8 Best Small Business Credit Cards in the USA in 2025 [Expert Insights]

Need any assistance in choosing the best business credit cards for small business? Then, look no further and head this way! This part of the guide will help you pick the right business credit card that impacts your business’s financial health and gives you relief from your sudden expenses.

Multiple rewards, like cashback, points, free miles, sign-up bonuses, travel rewards, etc., make it a fruitful expense management tool. Moreover, these best small business credit cards can be helpful for short-term funding. However, like most things, business credit cards have for and against. All it takes is choosing one of the best small business credit cards for your business after carefully analyzing different significant factors. 

This article explores the 8 best small business credit cards in the USA and explains each card’s unique features.

So let’s go!

8 Best Small Business Credit Cards in the USA

Here are some of the best small business credit cards to help you find the right business card to help you flourish and run your business.

Chase Ink Business Preferred Credit Card

It is a popular option for businesses that include substantial travel expenses. You can earn 3 points for every $1 you spend for the first $150000 on travel. You can get plenty of other benefits as you keep selecting the business categories after each anniversary of your year.

American Express Business Gold Card – Among Top-Toer Small Business Credit Cards

This card is apt for businesses that have varied and vast spending needs. You can earn 4X Membership Rewards points on the 2 select categories where your business spent the most each month. If you are looking for a card that offers rewards in top spending categories, you should opt for it.

Capital One Spark Cash for Business

This credit card option is apt for any business irrespective of its size. It offers straightforward and sorted rewards to maximize your benefits on every spend. Cardholders earn consistent 2% cash back on every purchase, with no limits or categories to track.

Bank of America Business Advantage Customized Cash Rewards Mastercard – Wallet-Friendly Small Business Credit Card

It is another great option that you can opt for to keep your small business financially supported. The card offers 3% cash back in a category of your choice, 2% on dining, and unlimited 1% on all other purchases.

Brex 30 Card

It is a powerful credit card for tech-savvy small businesses. The best part is that you can get rewards without a personal guarantee. You can earn up to 7X points on rideshare, 4X on Brex Travel, 3X on restaurants, 2X on software subscriptions, and 1X on everything else.

Wells Fargo Business Elite Signature Card

If you run a small business with varied spending needs, this is one of the best small business credit cards for you. With this card, you can earn 1.5% cash back on every $1 spent or 1 point per $1 spent with a 5,000-point bonus when your company spends $10,000 or more in any monthly billing period. It also offers you the flexibility to choose between cash back and points, along with advanced expense management tools, making it a fruitful choice.

U.S. Bank Business Leverage Visa Signature Card

The U.S. Bank Business Leverage Visa Signature Card is suitable for businesses with ever-changing expense types. You earn 2 points per $1 spent on eligible net purchases made directly with merchants in the top two categories where you spend the most each month (from a list of 48 categories), 1 point per $1 on all other eligible net purchases.

Amazon Business Prime American Express Card

This card is the best option for those who invest heavily in the Amazon ecosystem. The more you spend through this card for Amazon purchases, the more significant benefits you get. You can get 5% back at Amazon.com, Amazon Business, AWS, and Whole Foods Market on the first $120,000 in purchases each calendar year, 2% back at U.S. restaurants, gas stations, and wireless phone services, and 1% on all other purchases.

The above-listed cards are related to small businesses. However, there are many types of credit cards available. If you don’t know then you can check out our article on that.

Comparison of 8 Best Small Business Credit Cards

Selecting the best small business credit card can be an overwhelming experience. You require a complete understanding of your business’s spending patterns, reward preferences, and the specific benefits that will most support your business growth. The table below will help you make a fair comparison and help clear your dilemma about choosing the right card to avail of all the perks a business credit card can offer.

Conclusion

In a nutshell, choosing the right card among the best small business credit cards list is a challenging task! Therefore, going for a perfect business credit card can be a strategic move to enhance your business’s financial health and streamline operations.

You can carefully evaluate your spending habits, reward preferences, and industry-specific needs to choose the best small business card that aligns with your goals and maximizes your benefits. A well-chosen credit card can provide valuable rewards, flexible financing options, and essential tools to support your business’s growth.

Disclaimer

We always try to give you the most recent information, but due to festivals or any other reason, offers and perks might change with time for the above-listed credit cards for small businesses, so we advise you to check and do your thorough research as well before selecting any credit card for your business.

FAQs on Small Business Credit Cards