Save Big on Business Expenses: The Best Business Credit Cards This Week, Dec. 15, 2025
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Looking for an easy way to save on your next work trip or business expense? Chances are, a business credit card is exactly what you're looking for.
Whether you're a small business owner or just someone with a side hustle, a business credit card can help you unlock serious savings -- whether you're wanting a luxury big-spender option or a card without an annual fee.
Here are all of our favorite business credit cards available this week.
Top business cards this week
2026 Award Winner
On American Express's Secure Website.
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Good/Excellent
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
17.74% - 28.49% Variable
Rewards • 5X points on flights and prepaid hotels booked on AmexTravel.com • 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. • 1X points on other eligible purchases
1X - 5X points
Annual Fee
$895
Welcome Offer Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.
200,000 Membership Rewards® points
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If business travel is a priority, this card brings premium rewards and perks. Earn 5X points on flights and prepaid hotels booked on AmexTravel.com, plus an enhanced 2X on eligible purchases of $5,000 or more. With access to 1,400+ lounges, annual travel credits, and TSA PreCheck/Global Entry fee credit, frequent flyers can easily offset the $895 fee and enjoy more comfort on the road. (Terms apply.)
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- Versatile rewards points
- Huge welcome offer
- Airport lounge access
- Complimentary elite statuses
- Tons of statement credits
- High annual fee
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- Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
- See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
- New! Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
- Make the Business Platinum Card® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR® Plus Membership (subject to auto-renewal).
- Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
- New! Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
- New! Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
- Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
- Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
- Enhanced! 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- 5X points on flights and prepaid hotels on AmexTravel.com
- 1X points on other eligible purchases
- $895 Annual Fee.
- Terms Apply.
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= PoorGood/Excellent (670-850)
Intro APR N/A
Purchases: N/A
Balance Transfers: N/A
Regular APR
19.74% - 25.74% Variable
Rewards Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn. Earn 5x total points on Lyft rides through 9/30/27.
Earn 3 points per $1 in select business categories
Annual Fee
$95
Welcome Offer Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Earn 100,000 bonus points
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This card offers excellent earning potential for businesses looking to earn valuable rewards on everyday expenses. You’ll earn 3X points on travel, shipping, and advertising purchases (up to $150,000 per year), making it a great fit for businesses that invest in growth. With an impressive 100,000-point welcome bonus and access to the Chase Ultimate Rewards® ecosystem, this card helps you maximize rewards. Plus, we like that points are worth more when redeemed for travel through Chase Travel℠, further boosting the card’s value.
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- Huge sign-up bonus
- Advertising rewards
- Shipping rewards
- Cell phone protection
- Flexible travel points
- Card perks
- Annual fee
- No intro APR offer
- Spending minimum for sign-up bonus
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- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Earn 5x total points on Lyft rides through 9/30/27.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Go further when you book with Chase Travel(SM). Enjoy competitive rates, seamless booking and premium benefits.
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Receive complimentary access to DashPass by DoorDash.
- Member FDIC
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= PoorGood/Excellent (670-850)
Intro APR 0% Intro APR on Purchases
Purchases: 0% Intro APR on Purchases, 12 months
Balance Transfers: N/A
Regular APR
16.99% - 24.99% Variable
Rewards Earn unlimited 1.5% cash back on every purchase made for your business. Earn 5% total cash back on Lyft rides through 9/30/27.
Earn unlimited 1.5% cash back on every purchase
Annual Fee
$0
Welcome Offer Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Earn $750 bonus cash back
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This is one of the easiest ways to turn business spending into real cash back. Earn unlimited 1.5% on every purchase, plus a limited-time $750 welcome bonus to boost your rewards right away. With no annual fee, 0% intro APR for 12 months on purchases, and free employee cards, it’s a low-maintenance card that delivers big value from day one.
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- Big cash back sign-up bonus
- Competitive cash back rate
- Great intro APR
- No annual fee
- Free employee cards
- No bonus categories
- Foreign transaction fee
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- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
On Bank of America's Secure Website.
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Excellent (740-850)
Intro APR 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.99% to 26.99% will apply.
Purchases: 0%, 9 billing cycles
Balance Transfers: N/A
Regular APR
16.99% - 26.99% (Variable)
Rewards Earn unlimited 1.5% cash back on all purchases
1.5% cash back
Annual Fee
$0.00
Welcome Offer $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
$300 cash back
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For businesses that want rewards on every dollar, this card keeps it simple. Earn unlimited 1.5% cash back, a $300 welcome bonus, and 0% Intro APR for 9 billing cycles on purchases (then 16.99% - 26.99% (Variable)), with no annual fee. Qualify for Preferred Rewards for Business and you can boost earnings up to 2.62% cash back.
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- Unlimited cash back with no expiration
- No annual fee
- Intro APR
- Foreign transaction fees
- Mediocre incentives
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- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No annual cap and cash rewards don’t expire as long as your account remains open.
- No annual fee.
- Choose how to redeem your cash rewards – as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.99% to 26.99% will apply.
- Contactless Cards - the security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
On American Express's Secure Website.
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Good/Excellent
Intro APR
Purchases: 0% on purchases, 12 months from date of account opening
Balance Transfers: N/A
Regular APR
16.74% - 26.74% Variable
Rewards Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
1x - 2x points
Annual Fee
No annual fee
Welcome Offer Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
15,000 Membership Rewards® points
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This card is a strong fit for businesses with modest yearly expenses. Earn 2X Membership Rewards® points on your first $50,000 in purchases each year — one of the best flat-rate rewards you’ll find at that level of spend. After that, you’ll still earn 1X points, with no annual fee and flexible redemptions for cash, travel, or transfers to airline and hotel partners.
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- Purchase rewards
- Welcome bonus
- Intro 0% APR offer
- No annual fee
- Foreign transaction fee
- Personal guarantee
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- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 26.74%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
- You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply.
Choosing the right card for your business
The best business cards are the ones that match your goals. So it's important to think about what's important to you long term.
- Prefer simplicity? Go with a flat-rate cash back card for easy rewards you don't have to think about.
- Do you travel frequently? Choose cards with points you can transfer, travel credits, or airport perks.
- Big purchases on the horizon? Look for 0% intro APR options to avoid interest while you invest in growth.
- Low-overhead mindset? There are no-annual-fee cards that still offer meaningful rewards.
Don't just shoot for the biggest bonus or perks that sound luxurious. It's better to choose the card that fits how your business actually spends.
What you should know before applying
You don't need a formal business or massive revenue to get approved.
In fact, when I opened my first business card, I was just freelancing on the side. I barely had any income and I still got approved.
Here are the basics:
- LLCs not required: Sole proprietors can apply with their name and Social Security number
- Modest income is fine: Include any freelance, gig work, or side hustle earnings -- even projected income if you're just launching
- Minimal credit impact: Most business cards don't report to your personal credit (unless you miss payments)
Approval is often easier than you'd expect. But staying organized and paying on time is what keeps things running smoothly.
Keeping business and personal cards under one roof
Managing expenses is a lot easier when your personal and business cards are from the same issuer. And when it comes to rewards, some even let you combine points across business and personal accounts.
For example, I use both Chase personal and business cards, which means I can pool my Ultimate Rewards and redeem them for max value through travel partners or the portal.
So if you're already using a personal card you love, see if there's a business version. It could streamline your system and supercharge your rewards.
FAQs
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Yes. Many cardholders start with freelance, consulting, or side hustle income. Just be honest about your income estimates.
This is exactly how I started by the way. I didn't have an official business, so I used my personal name as my business name and SSN in place of an EIN. This is common for sole proprietors and freelancers.
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You'll likely get a hard inquiry, but most business cards don't report monthly activity to your personal credit unless there's a credit default. So make sure you pay all your bills!
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In most cases, no. Business credit card rewards are considered rebates, not income. But double-check with a tax professional if you're unsure.
Our Research Expert
Joel O’Leary is a full-time Personal Finance Writer at Motley Fool Money, covering credit cards, bank accounts, investing, mortgages, and other personal finance topics. Joel has been writing about personal finance since 2018, previously leading editorial content for the How To Money podcast and serving as a resident writer at Budgets Are Sexy. He bought his first rental property at age 18, funding the down payment with savings from his high school job at McDonald’s -- a testament to his lifelong passion for smart money decisions. His work aims to make personal finance accessible and actionable for everyday readers. When he’s not writing, Joel enjoys surfing and spending time with his family.
For rates and fees for The Blue Business® Plus Credit Card from American Express, click here
For rates and fees for The Business Platinum Card® from American Express, click here