Top 5 Must-Have Business Credit Cards for Entrepreneurs

When running a business, having the right credit card can make a huge difference in managing cash flow, earning rewards, and building business credit. Whether you’re a startup or a growing company, the right business credit card can provide valuable perks, such as travel rewards, cashback, and expense management tools. Here are the top five must-have business credit cards for entrepreneurs in 2025.

1. American Express Blue Business Plus® Credit Card

Why It’s Great:

• 2X Membership Rewards® points on all eligible business purchases (up to $50,000 per year).

• 0% intro APR on purchases for 12 months.

• No annual fee.

This card is perfect for business owners who want to maximize rewards without paying an annual fee while enjoying a flexible spending limit.

2. Visa Ink Business Preferred® Credit Card

Why It’s Great:

• 100,000 bonus points after spending $8,000 in the first three months.

• 3X points on travel, shipping, social media ads, and other key business categories.

• Cell phone protection when you pay your bill with the card.

This is an excellent choice for businesses that spend heavily on advertising, travel, and shipping. The generous bonus points can be redeemed for flights, hotels, or cashback.

3. American Express® Business Gold Card

Why It’s Great:

• Earn 4X Membership Rewards® points on the top two spending categories (up to $150,000 per year).

• Flexible payment terms with “Pay Over Time” options.

• Access to exclusive travel benefits like airline credits and hotel perks.

For businesses with high monthly expenses, this card offers big rewards on top spending categories like advertising, tech, and travel.

4. Capital One Spark Cash Plus

Why It’s Great:

• Unlimited 2% cashback on all purchases.

• No preset spending limit, making it great for businesses with large transactions.

• No foreign transaction fees.

If you prefer simple cashback over points, this is one of the best business credit cards available. It’s ideal for businesses that want flexibility and high cashback earnings on every dollar spent.

5. The Brex 30 Card

Why It’s Great:

• No personal guarantee required (doesn’t affect personal credit).

• Up to 7X points on rideshare, 4X on travel, 3X on restaurants.

• 30-day payment terms with a higher credit limit based on business revenue.

This is a top pick for startups and tech companies that want to separate business and personal credit while earning strong rewards.

Benefits of Having a Business Credit Card

1. Separates Personal & Business Finances – Helps you track business expenses and simplifies bookkeeping.

2. Builds Business Credit – Responsible usage can improve your company’s credit score, opening the door to better financing options.

3. Rewards & Perks – Earn cashback, travel points, and exclusive business-related discounts.

4. Expense Management Tools – Many cards offer tools to help track employee spending and set limits.

5. Cash Flow Flexibility – Access to a line of credit ensures you can cover expenses even when cash is tight.

Choosing the right business credit card depends on your company’s spending habits and financial goals. Whether you want high rewards, cash back, or travel perks.. one of these five cards will fit your needs. If you’re serious about building business credit and maximizing rewards, consider applying for one today.

Want help selecting the best card for your business? Contact REVIVE for expert guidance on business credit and financial growth!