Best Business Credit Cards 2025
Karl says, “For businesses looking to build credit while earning rewards, the Spark Classic from Capital One provides 1% cash back on all purchases with no caps, plus 5% on hotels and rental cars booked through Capital One Travel. If you prefer a corporate charge card, BILL Divvy Corporate Card offers flexible credit terms and no foreign transaction fees. Brex Corporate and Ramp Corporate stand out for their $0 annual fees, no personal guarantee requirements, and business-friendly perks—perfect for startups and growing companies.”
Search by categories
Key offer
– Earn 1% cash back on every business purchase—no categories or caps.
Read more
– 5% cash back on hotels and rental cars booked via Capital One Travel
– No foreign transaction fees
– Free employee cards with customizable spending limits
– Real‑time expense tracking and downloadable reports.
Welcome offer
N/A
Annual fee
$0
Only unsecured business card accepting scores below 640. Employee card spending controls and expense tracking included. Ideal for higher credit needs.
Card Rewards
– Unlimited 1% Cash Back Simple, flat-rate rewards on all purchases
– 5% Cash Back on Travel bookings, on hotel and rental car bookings
Premium Benefits
– Designed to help Build Credit—on‑time payments reported to all three bureaus.
– Employee Spending Controls: Issue free cards, set individual limits, and assign account managers
Read more
– Zero Fees: No annual fee • No foreign transaction fees
– Easy Account Management: AutoPay • Year‑end expense summaries • Virtual card numbers
– Get access to business-grade features and benefits, including digital tools that help you manage your expenses and employee spending with ease.
Minimum Qualifications
Key offer
– No foreign transaction fees
– Corporate charge card — full balance due each billing cycle
– Weekly billing cycle unlocks highest rewards
welcome offer
N/A
Annual fee
$
Card Rewards
– Base earning rate: 1 point per $1 spent (1.5× with weekly billing)
– Bonus multipliers (first $5,000 spent per category each month — rewards reset monthly):
Read more
– Restaurants: up to 7× points
– Hotels: up to 5× points
– Recurring software subscriptions: up to 2× points
– Redemption options (minimum 5,000 points):
– Statement credit
– Gift cards
– Cash back
– Travel bookings via Bill travel partner (10,000 points = $100 travel; 10,000 points = $49 statement credit)
Premium Benefits
– Unlimited virtual and physical employee cards at no cost
– Granular, card‑level spending controls with adjustable budgets per employee or team
Read more
– Automated receipt attachment and expense categorization for streamlined bookkeeping
– Real‑time spend insights, forecasting, and customizable approval workflows
– Native integration with QuickBooks Online (plus Excel export) for effortless accounting
– $0 fraud liability and instant card lock/unlock
Minimum Qualifications
Incorporated U.S. business; credit line up to $15 million based on revenue, cash balance, business history, and credit score.
Key offer
– $0 annual fee
– No personal guarantee or credit check required
– No foreign transaction fees
Welcome offer
Earn 10,000 points after $3K spend in first 3 months
Annual fee
$0
Card Rewards
– Earn 1 point per $1 on all purchases
– Up to 7X points on select categories: travel (hotels, airfare, car rentals), rideshare, restaurants, and software subscriptions
– Redeem points for travel bookings, statement credits (1¢/point), gift cards, or transfer to airline/hotel partners
Premium Benefits
– Corporate charge card — full balance due monthly
– Eligibility: incorporated U.S. business with $50K bank balance if VC‑backed ($1M if self‑funded)
– Instantly issue unlimited virtual and physical employee cards
Read more
– Custom approval workflows and mandatory receipt capture at purchase
– Real‑time spend dashboard with heatmaps, budget alerts, and detailed analytics
– Native integrations with QuickBooks, Xero, NetSuite, FreshBooks, Slack
– Enterprise‑grade security: SSO/SAML support, fraud‑detection thresholds, instant card freeze
– Signup bonus: 10,000 points after $3,000 spend within first 3 months
Minimum Qualifications
Incorporated businesses only; $50K in bank balance if VC‑backed; $1M if self‑funded; U.S. operations
Key offer
– $0 annual fee
– No personal guarantee or credit check required
– No foreign transaction fees
Welcome offer
N/A
Annual fee
$0
Card Rewards
– Earn 1–1.5% cash back on all purchases (rate varies by customer)
– Redeem cash back as statement credit, gift cards, or transfer into airline/hotel loyalty programs
Premium Benefits
– Corporate charge card — full balance due monthly
– Eligibility: incorporated U.S. business with $25,000 in a U.S. bank account
Read more
– Instantly issue unlimited virtual and physical employee cards
– Granular spend controls by card, merchant, category, or project
– Automated receipt matching via email or SMS
Real‑time forecasting dashboard with spend trends and budget alerts
– One‑click integrations with QuickBooks, Xero, NetSuite, Sage Intacct, Slack
Minimum Qualifications
Incorporated businesses only; $25K in U.S. business bank account; U.S. operations