Starting a business is more than just having a great idea — it’s about having the right financial tools to support growth. One of the most crucial tools for any startup is a business credit card. Whether you need to cover inventory, marketing expenses, office supplies, or manage cash flow, a good credit card can offer flexibility, rewards, and even help you build your business credit profile.
But with so many choices on the market, how do you know which business credit card is right for your startup? Don’t worry — we’ve done the heavy lifting for you! Below, we’ll break down the Top 7 Business Credit Cards for Startups in 2025 based on rewards, fees, flexibility, and credit-building benefits.
Why Every Startup Needs a Business Credit Card
Before we jump into the list, let’s address why you shouldn’t rely on your personal credit card for business expenses. But if you’re just getting started and need more than a credit card can offer, check out our guide to the Best Business Loans for Startups with No Revenue in 2025.
1️⃣ Separates Business and Personal Finances
Mixing personal and business expenses creates accounting headaches and tax complications. A dedicated business credit card keeps everything organized.
2️⃣ Improves Business Credit
Using a business card responsibly helps build a separate business credit score, which can open the door to larger loans and better terms in the future.
3️⃣ Flexible Payment Options
Most business cards offer revolving credit, meaning you can borrow and repay at your own pace — ideal for fluctuating startup cash flow.
4️⃣ Rewards and Perks
From cashback and points to travel benefits and discounts on business services, business credit cards give you more than just spending power.
Top 7 Business Credit Cards for Startups in 2025
1️⃣ Chase Ink Business Cash® Credit Card
Best for: Cash Back Rewards
- Intro Offer: Earn $750 bonus cash back after spending $6,000 in the first 3 months.
- Cash Back: 5% on office supplies, internet, cable, and phone services.
- APR: 0% intro APR for 12 months on purchases.
- Annual Fee: $0.
Why It’s Great:
If your startup is heavy on office-related expenses, this card can help you rack up meaningful cashback without an annual fee. The 5% bonus category is generous for new businesses setting up shop.
2️⃣ American Express® Blue Business Cash Card
Best for: Everyday Simplicity
- Intro Offer: $250 statement credit after spending $3,000 in the first 3 months.
- Cash Back: 2% on all eligible purchases up to $50,000 annually.
- APR: 0% intro APR on purchases for 12 months.
- Annual Fee: $0.
Why It’s Great:
Perfect for startups that spend broadly across categories, not just office supplies or tech. The 2% flat rate is simple, clear, and puts money back in your account without worrying about rotating categories.
3️⃣ Capital One Spark 2% Cash Plus
Best for: High-Spending Startups
- Cash Back: 2% unlimited on every purchase.
- Annual Fee: $150 (waived first year).
- Unique Perk: No preset spending limit.
Why It’s Great:
For startups with large upfront investments — think bulk inventory, equipment, or marketing campaigns — this card’s unlimited 2% cash back and no preset limit offer financial breathing room.
4️⃣ Brex Card for Startups
Best for: Tech Startups & Venture-Backed Companies
- Cash Back: 7x on rideshare, 4x on travel, 3x on restaurants.
- Annual Fee: $0.
- Unique Perk: Doesn’t require a personal credit check.
Why It’s Great:
Brex is tailored for startups that need flexibility and premium rewards without the burden of a personal guarantee. Perfect for VC-funded tech companies or founders with irregular income.
5️⃣ Bank of America® Business Advantage Unlimited Cash Rewards
Best for: Relationship Banking
- Cash Back: 1.5% on all purchases.
- Bonus: $300 online statement credit after spending $3,000 in the first 90 days.
- Annual Fee: $0.
Why It’s Great:
If you already bank with Bank of America, the Business Advantage Relationship Rewards program boosts your cashback rate, making this card even more valuable.
6️⃣ U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard®
Best for: Variety of Spending Categories
- Cash Back: 3% on gas, office supplies, cell phone service, and restaurants.
- Bonus: $500 after spending $4,500 in 150 days.
- APR: 0% intro APR for 15 billing cycles.
- Annual Fee: $0.
Why It’s Great:
Ideal for businesses with varied expenses, especially if your startup involves fieldwork, traveling, or entertaining clients.
7️⃣ Wells Fargo Business Platinum Credit Card
Best for: Small Startups with Customizable Rewards
- Rewards: Choose between cash back or points.
- Intro Offer: Earn 1,000 bonus points or $10 cash back for every $1,000 in monthly spending.
- Annual Fee: $0.
- APR: 0% intro for 9 months.
Why It’s Great:
Flexibility is key for new businesses, and this card lets you pick your reward structure — cash or points — depending on your strategy.
How to Choose the Right Business Credit Card
When selecting a business credit card, consider these factors:
✔️ Your Spending Habits:
Do you spend heavily on office supplies, travel, or advertising? Match your card to your primary expenses.
✔️ Annual Fee vs. Benefits:
A higher annual fee can pay off if the rewards and perks exceed the cost.
✔️ Introductory Offers:
Many cards offer large signup bonuses — take advantage if you plan on significant early expenses.
✔️ Interest Rates:
If you plan to carry a balance, prioritize cards with 0% intro APR or the lowest ongoing APR.
✔️ Credit Requirements:
Some business cards require excellent credit; others (like Brex) focus on cash flow and business health rather than your personal score. If your startup isn’t generating revenue yet, you might benefit more from alternative funding. Explore startup loan options with no revenue here.
Pro Tips for Startup Credit Card Use
💡 Pay in Full:
Avoid carrying a balance to dodge high-interest charges.
💡 Set Auto-Payments:
Never miss a due date, especially in the early days when building business credit.
💡 Track Spending:
Use your card’s reporting tools to monitor where every dollar goes.
💡 Leverage Rewards:
Reinvest your cashback or points back into your business — every little bit helps during the early stage.
Final Thoughts
A business credit card isn’t just plastic in your wallet — it’s a financial partner for your startup. Choosing the right card can help manage cash flow, separate business from personal expenses, and unlock valuable perks that support your company’s growth.
The seven cards listed above each bring something unique to the table, whether it’s high cashback, flexible limits, or generous rewards. When used responsibly, a business credit card can be a stepping stone to bigger financing opportunities and a stronger business credit profile.
📌 Ready to Apply?
Compare offers and choose the card that fits your startup goals. At Millendeal, we make it easy to find the perfect match for your business needs.
