The Best Business Cards This Week, Oct. 6, 2025: Snag a Limited-Time Offer Worth Hundreds
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When I first opened a business credit card, I was just trying to separate personal and work expenses -- and maybe grab a $500 sign-up bonus.
But that first business card ended up helping me earn over $2,000 in rewards in the first year, just from regular spending. It also gave me 0% intro APR for 12 months, which made it easier to manage cash flow while I was ramping up.
My team and I review dozens of business credit cards each week -- then we round up the strongest offers based on welcome bonuses, reward categories, and overall value for small business owners.
Here's what's standing out this week.
Our featured pick:
Ink Business Unlimited® Credit Card
Great for: Simple, flat-rate rewards
= Best
= Excellent
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= Best
= Excellent
= Good
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= PoorEarn $900 cash back when you spend $6,000 in the first 3 months. Don’t miss your shot at one of the biggest Ink Unlimited bonuses we’ve seen.
Good/Excellent (670-850)
Intro APR 0% Intro APR on Purchases
Purchases: 0% Intro APR on Purchases, 12 months
Balance Transfers: N/A
Regular APR
17.49% - 23.49% Variable
Rewards Earn unlimited 1.5% cash back on every purchase made for your business
Earn unlimited 1.5% cash back on every purchase
Annual Fee
$0
Welcome Offer Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Earn $900 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 $900 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.
Read Full Review -
- 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 $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 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
- Member FDIC
Top business cards this week
| Offer | Our Rating | Welcome Offer | Rewards Program | APR | Our Rating |
|---|---|---|---|---|---|
|
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: 17.49% - 23.49% 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: 17.49% - 25.49% 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 |
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 |
Things to know before you apply for a business credit card
I didn't even have an LLC set up when I applied for my first business card. If you're a freelancer, side hustler, or solo entrepreneur -- you might qualify too.
Here's what you should know:
- You don't need an LLC: Sole proprietors can apply using your name as your business name and your Social Security Number.
- List your income realistically: You can include freelance work, Etsy sales, gig economy earnings -- even "projected" income if you're just getting started.
- Credit report impact: Business cards usually don't show up on personal credit reports, which can protect your credit utilization. But if you miss payments, your personal credit can still be impacted.
Important note: Getting approved is often easier than you think. But responsible use is what really matters long term.
How to pick the right business card for you
The best business card for you depends on how you spend and what you want to get out of it.
- Want simplicity? Go for a flat-rate cash back card that rewards you decently across all spending categories.
- Love to travel? Look for flexible points, transfer partners, or lounge perks.
- Big expenses coming up? A 0% intro APR card can give you breathing room without interest charges.
- Running a tight ship? No-annual-fee cards can still earn solid rewards without adding to your overhead.
The key is to match the card with your business goals, not just chase the biggest bonus.
Business cards and personal cards: A combo strategy
Personally, I find it way easier to manage my money when both personal and business cards live under the same roof.
Some banks even let you combine points across accounts. For example, I have both business and personal cards with Chase, so I can pool all my Ultimate Rewards points and score bigger redemptions.
If you already have a favorite personal card, check if there's a business version too. It can can streamline your rewards game.
FAQs
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Business cards often have higher credit limits, tools for tracking expenses, and rewards tailored to business categories (like office supplies, software, or advertising).
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Generally, no. Credit card rewards are treated as rebates or discounts, not income. But check with a tax pro if you're redeeming points in unusual ways.
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Yes, and I did when I first opened one. Card issuers approve applications from sole proprietors, freelancers, and side hustlers. Just be honest about your expected income, even if it's small or seasonal.
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