Launching a business or startup comes with a mix of excitement, ambition—and a fair amount of expenses. That’s why finding the right business credit card can be a game-changer. The best business credit cards offer a powerful blend of benefits like cashback, travel rewards, 0% APR intro offers, and tools to help manage your finances.
In this post, we’ll break down some of the top business credit cards ideal for entrepreneurs and startups in 2025, whether you’re looking to earn rewards, build credit, or simply manage cash flow more efficiently.
1. Chase Ink Business Unlimited® Credit Card
Why it’s great for startups: Simple cash back structure, no annual fee, and valuable welcome bonus.
- Rewards: Unlimited 1.5% cash back on all purchases.
- Welcome Offer: Earn $750 bonus cash back after spending $6,000 in the first 3 months.
- APR: 0% intro APR for 12 months on purchases, then variable APR.
- Annual Fee: $0
Perfect for businesses with broad spending categories who want straightforward rewards.
2. American Express® Blue Business Cash Card
Why it’s great for new businesses: Offers flexible spending and automatic cash back.
- Rewards: 2% cash back on the first $50,000 in purchases per year, then 1%.
- Welcome Offer: $250 statement credit after spending $3,000 in the first 3 months.
- APR: 0% intro APR on purchases for 12 months, then a variable rate.
- Annual Fee: $0
Great for startups that want reliable cash back and need flexibility in spending limits.
3. Brex Card for Startups
Why it’s great for venture-backed startups: No personal guarantee, high credit limits based on cash flow.
- Rewards: Up to 7x points on rideshare, 4x on travel, 3x on restaurants, 2x on recurring software.
- Welcome Offer: Varies; often includes bonus points or cash for signing up.
- APR: No interest charges (card must be paid in full monthly).
- Annual Fee: $0
Ideal for tech startups and fast-scaling businesses with a strong cash balance.
4. Capital One Spark Cash Select for Excellent Credit
Why it’s great for cash back lovers: Easy flat-rate rewards with a low barrier to entry.
- Rewards: 1.5% cash back on every purchase.
- Welcome Offer: $750 bonus after spending $6,000 in the first 3 months.
- APR: 0% intro APR on purchases for 12 months, then variable APR.
- Annual Fee: $0
Good for business owners who want simplicity and solid returns on everyday spending.
5. Chase Ink Business Preferred® Credit Card
Why it’s great for high-spending entrepreneurs: Exceptional travel rewards and high-value points.
- Rewards: 3x points on the first $150,000 spent on travel, shipping, internet/phone services, and advertising.
- Welcome Offer: 100,000 bonus points after spending $8,000 in the first 3 months (worth $1,000+ via Chase Ultimate Rewards®).
- APR: Variable APR (no intro offer).
- Annual Fee: $95
Excellent for businesses spending heavily on advertising, software, or travel.
Things to Consider When Choosing a Business Credit Card
When evaluating which card fits your business needs best, consider the following factors:
- Your business spending habits: Do you spend a lot on advertising, travel, or inventory?
- Cash flow needs: Will you need 0% APR for large startup purchases?
- Credit score and eligibility: Some cards require excellent credit, while others don’t check personal credit at all.
- Reward preferences: Do you prefer travel perks, cash back, or points?
Final Thoughts
Choosing the right business credit card can help you streamline expenses, earn valuable rewards, and improve your business credit profile. Whether you need flexibility, cashback, or startup-focused features, there’s a card tailored to your business goals.
Take time to review your spending needs and financial plans, and you’ll be on your way to building a strong financial foundation for your business.
Pro Tip: Use your business credit card responsibly—make payments on time, keep your utilization low, and regularly monitor your business credit to stay on track.
Need help building your business credit or funding your startup?
At JDP Credit Solutions, we offer business funding, lines of credit, and credit-building strategies tailored to entrepreneurs like you. Let’s take your business to the next level—contact us today!