Best Business Credit Card Offers Worth Grabbing This Week: Oct. 27, 2025
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This week's lineup includes some really strong deals. Special call out to American Express, still leading the charge with a mega welcome bonus offer on its premium card -- perfect for businesses spending heavily in categories like travel, software, or online ads.
Whether you're looking to maximize points, simplify your accounting, or take advantage of a 0% intro APR offer for big purchases, there's something here for every type of business owner.
Here are this week's top picks.
Our featured pick:
2025 Award Winner
The Business Platinum Card® from American Express
Great for: Simple, flat-rate rewards
On American Express's Secure Website.
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Good/Excellent
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
18.24% - 28.99% 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.
Top business cards this week
| Offer | Our Rating | Welcome Offer | Rewards Program | APR | Our Rating |
|---|---|---|---|---|---|
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The Business Platinum Card® from American Express
Apply Now for The Business Platinum Card® from American Express
On American Express's Secure Website. |
4.70/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor |
200,000 Membership Rewards® points 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. | 1X - 5X points • 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 |
Intro: Purchases: N/A Balance Transfers: N/A Regular: 18.24% - 28.99% Variable |
4.70/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor |
Ink Business Unlimited® Credit Card
|
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor |
Earn $900 bonus cash back Earn $900 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 Earn unlimited 1.5% cash back on every purchase made for your business |
Intro: 0% Intro APR on Purchases Purchases: 0% Intro APR on Purchases, 12 months Balance Transfers: N/A Regular: 17.24% - 23.24% Variable |
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor |
Ink Business Cash® Credit Card
|
4.90/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor |
Earn $900 bonus cash back Earn $900 when you spend $6,000 on purchases in the first three months after account opening | Earn 5% cash back in select business categories Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn. |
Intro: 0% Intro APR on Purchases Purchases: 0% Intro APR on Purchases, 12 months Balance Transfers: N/A Regular: 17.24% - 25.24% Variable |
4.90/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor |
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Apply Now for Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
On Bank of America's Secure Website. |
4.60/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor |
$300 cash back $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening. | 1.5% cash back Earn unlimited 1.5% cash back on all purchases |
Intro: 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 17.24% to 27.24% will apply. Purchases: 0%, 9 billing cycles Balance Transfers: N/A Regular: 17.24% - 27.24% (Variable) |
4.60/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor |
The Blue Business® Plus Credit Card from American Express
Apply Now for The Blue Business® Plus Credit Card from American Express
On American Express's Secure Website. |
4.80/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor |
15,000 Membership Rewards® points 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. | 1x - 2x points 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. |
Intro: Purchases: 0% on purchases, 12 months from date of account opening Balance Transfers: N/A Regular: 17.24% - 27.24% Variable |
4.80/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor |
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
Apply Now for Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
On Bank of America's Secure Website. |
4.70/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor |
$300 cash back $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening. | 1% - 3% cash back 3% cash back in the category of your choice (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter). 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter). Unlimited 1% cash back on all other purchases. |
Intro: 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 17.24% to 27.24% will apply. Purchases: 0%, 9 billing cycles Balance Transfers: N/A Regular: 17.24% - 27.24% (Variable) |
4.70/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor |
What to know before you apply
You don't need a massive business (or even an LLC) to qualify for one of these cards. If you're running a side hustle, freelancing, flipping products, or consulting -- you're likely eligible.
Here's what matters:
- LLC not required: Sole proprietors can apply using your own name and Social Security number.
- Report income honestly: You can include side hustle earnings, freelance gigs, or even expected income for new ventures.
- Doesn't usually hit personal credit: Most issuers don't report business card activity to your personal credit unless you default.
Just remember to always use credit cards responsibly, no matter if its a personal or business credit card.
How to pick the best business credit card for you
The ideal business credit card isn't necessarily the one with the biggest welcome bonus. It's the one that actually fits the way you spend and operate all year-round.
If you want straightforward rewards on everything you buy, flat-rate cash back cards are tough to beat. For business owners who travel often or want more flexibility, a card that earns transferable points or includes lounge access can be a better fit.
If you're planning a large expense or equipment upgrade, you might really benefit from a card that offers a 0% intro APR period. And if you're keeping costs lean, there are plenty of no-annual-fee options that still offer solid perks.
Ultimately, picking the right card is about aligning the card's features with your business goals.
Pro tip: Pair business and personal cards
Trust me, managing your rewards and expenses gets way easier when you stick with the same bank across your personal and business cards.
Some issuers even let you combine points between accounts. I do this with my Chase personal and business cards -- it lets me pool Ultimate Rewards and redeem for higher travel value.
So if you already have a personal card you love, check if there's a business version available. It could be an easy way to level up your rewards game.
FAQs
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Technically, yes. But it's not recommended because mixing personal and business charges can make taxes and bookkeeping messy. It's usually better to keep them separate.
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You'll typically get a hard pull when you apply for a credit card in your business name. But most issuers don't report monthly usage unless you miss payments -- so your personal credit usually stays unaffected.
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Some business cards offer free employee cards, while others may charge a fee per card. Check with the specific card you're looking at. They're a great way to earn more rewards and track team spending in one place.
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 The Blue Business® Plus Credit Card from American Express, click here
For rates and fees for the The Business Platinum Card® from American Express, click here