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As we approach mid-2025, businesses are increasingly relying on business credit cards to manage their expenses, build credit, and earn rewards. With numerous options available, it can be challenging to identify the best business credit cards suited for your needs. Below, we examine some of the top contenders in the market, highlighting their key features, benefits, and potential drawbacks.
1. Chase Ink Business Preferred® Credit Card
The Chase Ink Business Preferred® Credit Card is a powerful choice for businesses looking to maximize travel rewards. This card offers a generous sign-up bonus and earns 3 points per dollar on the first $150,000 spent in combined purchases in select categories, such as travel, shipping, and online advertising.
With no foreign transaction fees and excellent travel protections, it’s an ideal option for businesses that often send employees abroad. Additionally, the points can be transferred to various travel partners, enhancing their value considerably.
2. American Express® Business Gold Card
The American Express® Business Gold Card is another fantastic option, especially for those who want flexibility in their rewards. This card allows you to earn 4 points per dollar on the two categories where your business spends the most each month (from a list of select categories).
Moreover, the card comes with a robust set of tools for expense management, making it easier for businesses to keep track of their spending. The annual fee is on the higher side, but the potential rewards can easily outweigh the cost for frequent spenders.
3. Capital One Spark Cash Plus
If you're looking for a straightforward rewards program, the Capital One Spark Cash Plus could be the right fit. This card offers unlimited 2% cash back on every purchase, making it easy to earn rewards without worrying about category restrictions.
Additionally, there’s no annual fee for the first year, allowing new businesses to test the waters. The card also provides excellent purchase protection and access to a range of business tools, enhancing its appeal for small business owners.
4. CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
For businesses that frequently travel with American Airlines, the CitiBusiness® / AAdvantage® Platinum Select® Mastercard® offers fantastic benefits. Cardholders earn 2 AAdvantage miles for every dollar spent on eligible American Airlines purchases and 1 mile on all other purchases.
The card also includes a free checked bag for you and up to four companions, which can save substantial money on business trips. With a competitive sign-up bonus and no foreign transaction fees, this card is a solid choice for companies that prioritize air travel.
5. Bank of America® Business Advantage Cash Rewards Mastercard®
The Bank of America® Business Advantage Cash Rewards Mastercard® is great for businesses that want to earn cashback on their spending. Cardholders receive 3% cash back on the category of their choice (from a list including gas, office supplies, and travel) and 2% cash back on dining. The card also provides 1% cash back on all other purchases.
With no annual fee and a generous introductory offer, this card is an accessible option for small business owners looking to enhance their cash flow.
6. Wells Fargo Business Platinum Credit Card
The Wells Fargo Business Platinum Credit Card is ideal for businesses that want a simple, low-interest card. This card stands out with its introductory 0% APR on purchases for the first 9 months, making it an excellent choice for businesses looking to finance larger purchases without immediate interest costs.
Furthermore, there’s no annual fee, and the card offers customizable cash management tools, helping businesses maintain better control over their expenses.
Comparison Chart of Top Business Credit Cards
| Card Name | Rewards | Annual Fee | Sign-Up Bonus | Foreign Transaction Fee |
|---|---|---|---|---|
| Chase Ink Business Preferred | 3 points on select categories | $95 | 100,000 points | No |
| American Express Business Gold | 4 points on 2 select categories | $295 | 70,000 points | No |
| Capital One Spark Cash Plus | 2% cash back | $150 | Up to $1,000 cash back | No |
| CitiBusiness AAdvantage Platinum Select | 2 miles on American Airlines purchases | $99 | 65,000 miles | No |
| Bank of America Business Advantage | 3% on chosen category | No annual fee | $300 cash back | No |
| Wells Fargo Business Platinum | 1.5% cash back | No annual fee | None | No |
Choosing the right business credit card in mid-2025 requires careful consideration of your business's spending habits, travel preferences, and financial goals. Each of the cards mentioned above offers unique advantages that can benefit different types of businesses. Evaluate the options, and select the card that aligns best with your business needs for optimal financial management and growth.
