The Best Business Cards This Week, Sept. 29, 2025: Huge Cash Back Welcome Bonus

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When I first opened a business credit card, I was just hoping to separate expenses and maybe snag a $500 sign-up bonus. What I didn't expect was how valuable the right card could be -- I ended up earning over $2,000 in rewards my first year, just from regular business spending.

My team and I evaluate dozens of business credit cards each week and round up the best ones based on welcome offers points, bonus categories, and overall value.

Here's what impressed us this week.

5.00/5 Circle with letter I in it. 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.
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5.00/5 Circle with letter I in it. 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
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Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Limited-time offer

Earn $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.

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 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 Circle with letter I in it. 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 Circle with letter I in it. 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

  • 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.

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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
    • 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
5.00/5 Circle with letter I in it. 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 Circle with letter I in it. 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 Circle with letter I in it. Earn unlimited 1.5% cash back on every purchase made for your business

Intro: Circle with letter I in it. 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 Circle with letter I in it. 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
4.90/5 Circle with letter I in it. 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 Circle with letter I in it. 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 Circle with letter I in it. 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: Circle with letter I in it. 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 Circle with letter I in it. 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
4.60/5 Circle with letter I in it. 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 Circle with letter I in it. $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 Circle with letter I in it. Earn unlimited 1.5% cash back on all purchases

Intro: Circle with letter I in it. 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 Circle with letter I in it. 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
4.80/5 Circle with letter I in it. 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 Circle with letter I in it. 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 Circle with letter I in it. 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 Circle with letter I in it. 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
4.70/5 Circle with letter I in it. 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 Circle with letter I in it. $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 Circle with letter I in it. 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: Circle with letter I in it. 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 Circle with letter I in it. 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
4.70/5 Circle with letter I in it. 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 Circle with letter I in it. 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 Circle with letter I in it. • 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 Circle with letter I in it. 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 applying for a business credit card

I didn't even have an LLC set up when I got my first business credit card. One-person operations and even folks with small side hustles can qualify for a business credit card.

Here's what to keep in mind:

  • You don't need an LLC: Sole proprietors and freelancers can apply using their Social Security number instead of an EIN. Just use your personal name as the business name.
  • List your business income realistically: This can include side hustle income, freelance work, or even estimated earnings if you're just launching.
  • Business cards don't show up on your personal credit (usually): Most business cards don't report regular activity to your personal credit report. But, if you fail to pay and start defaulting, your personal credit will be affected.

Just keep in mind: Qualifying might be easy, but using your business credit card responsibly is what really sets you up for long-term success.

How to choose the right business card

Picking the best business credit card really comes down to how you spend and what you care about most.

If you're after big welcome bonuses, look for cards that offer a hefty upfront reward with reasonable spending requirements.

If you prefer simplicity, a flat-rate cash back card might be your best bet. Some cards are more complex, but offer better travel perks like lounge access, status upgrades, or flexible points you can transfer.

And if you're planning a large purchase or just getting started, a 0% intro APR card can offer valuable breathing room while you ramp things up.

The key is choosing the one that matches your business goals -- not just the flashiest offer.

Pairing business cards and personal cards

Take it from me -- it's way easier to manage your accounts when your personal and business cards live with the same bank.

Some issuers even let you pool rewards between personal and business accounts. For example, I have both Chase personal cards and Chase business cards, which means I can combine all my points and redeem for bigger travel redemptions or cash back.

If you're already loyal to a certain bank or rewards program, check if they offer a business version of your favorite card. It can make your whole system more streamlined.

Compare all our top picks for business cards and travel-friendly options in 2025.

FAQs

  • 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.

  • Business cards often have higher credit limits, tools for tracking expenses, and rewards tailored to business categories (like office supplies, software, or advertising).

  • 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.

Our Research Expert