Best Business Credit Cards USA: It is a thrilling affair to run a business in the U.S. — however, it is the realer issue of expenses that bring it down. Hardly so. The top business credit cards USA will come to your rescue there. As a freelancer, startup, or a small business that is ready to grow, picking a proper credit card will have you unlock a well-deserved cashback, travel perks, and the business tech you never knew you can get.
We will discuss the top fifteen best business credit cards to be available in the United States in 2025 as well as how to make the right choice that suits your specific needs.
Top 10 Best Business Credit Cards USA (2025 List)
Now we have arrived at the top business credit cards USA of 2020-2021: the best business credit cards of the year with their travel benefits, 0 intro APR terms, and other eye-catching deals.
1. Chase Ink Business Preferred® Credit Card
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Why it’s the best business credit card in USA:
The reasons why it is the best business credit card in USA: -
Welcome Offer 1 100,000 Bonus points after annual spending of $8,000 within 3 months.
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Rewards: 3X points on travel, shipping, advertising.
👉 If you’re searching for best business credit cards USA for advertising or travel, this one is a top pick.
2. American Express® Business Gold Card
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Why choose this business credit card:
Flexible rewards + great for high-spenders. -
Rewards: 4X points on top 2 categories your business spends most.
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Bonus: 70,000 points on spending 10,000 dollars in 3 months.
If you’re a heavy spender looking for best business credit cards USA that adapt to your expenses, this is a solid option.
3. Capital One Spark Cash Plus
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Best for: Flat-rate unlimited cashback.
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Rewards: 2% cash back on all purchases.
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Annual Fee: $150
This is one of the best business credit cards USA has for businesses that prefer simple cashback over complex point systems.
4. Bank of America® Business Advantage Customized Cash Rewards
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Perk: Choose your 3% category (gas, office supply, travel, etc.)
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No annual fee
If your business banks with BoA, this is one of the best business credit cards USA offers with deep integration into your bank account.
5. U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard®
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Intro Offer: $500 cash back after $4,500 spend in 150 days
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Rewards: 3% cash back on gas, utilities, cell phone
Looking for the best business credit cards USA for utility and phone bills? This card shines in those categories.
Comparison Table: Best Business Credit Cards USA 2025
| Card Name | Best For | Rewards | Annual Fee |
|---|---|---|---|
| Chase Ink Business Preferred® | Travel, Ads | 3X points | $95 |
| AmEx Business Gold | High Spenders | 4X points | $375 |
| Spark Cash Plus | Flat Cashback | 2% on all | $150 |
| BoA Customized Cash | Flex Categories | 3% (select categories) | $0 |
| U.S. Bank Triple Cash | Utilities | 3% gas, utilities, cell phone | $0 |
How to Choose the Best Business Credit Card in USA
When applying best business credit cards USA consider:
Spending Categories
Do you business spend more in travels, gas or advertisements? Select a card that rewards on your largest spending.
Rewards Type
Which do you prefer, cashback or travel points? The best business credit cards USA have one or the other but you should choose according to your needs.
Intro APR & Bonus
When you have an intention to make a large purchase, take an interest free APR introductory rate offers or sign-up deals.
FAQs: Best Business Credit Cards USA
Will an EIN suffice to have a business credit card?
Well, a good number of the most excellent business credit cards USA will permit you to apply by utilizing your EIN, nonetheless, they can have need of a personal credit test.
What is the simplest business credit card to be approved?
The Capital One Spark 1 Classic is particularly suggested to new businesses or to those who have fair credit.
Will business credit cards impact on my own credit?
A majority of best business credit cards USA check personal credit at application and do not report regular use unless one defaults.
Which Business Credit Card is Right for You?
This may sound intimidating, however, with the help of the appropriate comparison, and with the vision to achieve business objectives, you may find it easier than ever to locate the best business credit cards in USA.
✅ Want high travel rewards? → Chase Ink Business Preferred
✅ Want flat cashback? → Capital One Spark Cash Plus
✅ New to business credit? → BoA Customized Cash
No matter what you choose, the best business credit cards USA help you manage expenses, earn rewards, and grow smarter.
Braj Verma is a resident of Rajgarh in Madhya Pradesh and is a content writer and freelancer by profession. He has a degree in Political Science from Barkatullah University, Bhopal. He has expertise in subjects like credit cards, banking, loan, insurance, political analysis and digital marketing.