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Best New Business Credit Cards: What to Know Before You Swipe
If you’re running a business in 2025—whether it’s a solo gig, startup, or small company—you already know how important it is to have access to capital. Business credit cards are one of the easiest and most flexible tools you can use for that. But with so many new options popping up, it’s hard to know which card is actually worth your time.
That’s where we come in. In this guide, we’ll walk you through the best new business credit cards this year, what makes them stand out, and how to pick the right one for your needs.
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Let’s dive in.
Why Should You Use a Business Credit Card?
A business credit card is more than just a way to pay for stuff. It’s:
- A cash flow solution during slow months
- A reward system that turns your expenses into perks
- A tool to build business credit, separate from your personal score
- An expense tracker with easy-to-read monthly statements
- A way to unlock travel, cashback, or low-interest benefits
Whether you’re buying office supplies, covering ad spend, or paying vendors, a solid credit card gives you more control over how and when you pay.
Best New Business Credit Cards: What to Look For in a New Business Credit Card
Before jumping in, here are a few things to check when picking a card:
- Introductory offers (e.g. 0% APR, welcome bonuses)
- Rewards programs (points, miles, cashback)
- Annual fees (some are free, others come with perks)
- Interest rates (especially after intro periods end)
- Employee card options
- Credit limits and reporting features
If you’re strategic, your card could actually make your business money instead of costing it.
1. Chase Ink Business Premier®
Best for: Large purchases and flat-rate rewards
This card is a powerhouse for companies that spend big and want simple rewards. You earn 2.5% cash back on purchases over $5,000 and 2% on everything else.
Why we love it:
- Massive purchasing power
- Great for businesses with high monthly spend
- Access to the Chase Ultimate Rewards portal
Watch out: No intro APR. It’s a pay-in-full card, meaning it’s best for those who don’t carry balances.
2. American Express® Business Gold Card
Best for: Customizable rewards
This card automatically rewards your top two spending categories—no need to guess where you’re earning most.
Perks include:
- 4x points on top two categories up to $150,000 annually
- Excellent travel and purchase protections
- Access to Amex Offers
Ideal for: Tech startups or creative agencies that have shifting monthly expenses.
3. Capital One Spark Cash Plus
Best for: Flat-rate cashback and no preset limit
This card is perfect if you hate tracking categories. You’ll earn a simple 2% cash back on everything.
Highlights:
- No preset spending limit
- $1,200 welcome bonus (after $30,000 spend in 3 months)
- Free employee cards with customizable limits
Caution: This is a charge card, not a credit card—you’ll need to pay in full each month.
4. Brex Card for Startups
Best for: VC-backed or fast-growing startups
Brex doesn’t require a personal guarantee or credit check—just link your business bank account. It’s ideal for founders who want to separate personal and business finances from day one.
Why it stands out:
- Up to 8x points on rideshare, travel, and software
- Integrates with tools like QuickBooks, Xero, and Expensify
- No annual fee
Great for: Tech startups and ecommerce businesses.
5. Ramp Corporate Card
Best for: Expense management and savings automation
Ramp offers more than a credit card—it’s a finance platform. While earning 1.5% cash back on everything, it also tracks your spend, finds duplicate subscriptions, and helps cut waste.
Top features:
- No personal credit check
- Real-time expense insights
- Savings insights and automated alerts
Perfect for: Founders who want smarter, leaner operations.
6. Divvy Smart Credit Card
Best for: Budgeting and team spending
Divvy blends a business card with spend management software. You can create budgets, set team limits, and track spending in real-time.
Why users love it:
- Built-in budgeting tools
- No annual fee
- Earn up to 7x points (if you pay weekly)
Great for: Remote teams and agencies managing multiple client budgets.
7. U.S. Bank Business Triple Cash Rewards Visa®
Best for: Everyday business expenses
If your business regularly pays for gas, internet, office supplies, and utility bills, this card gives you 3% cash back on all of them.
Also includes:
- $500 welcome bonus
- 0% intro APR for 15 billing cycles
- No annual fee
A good match for: Local businesses or contractors with predictable monthly costs.
8. Wells Fargo Business Elite Signature Card®
Best for: Established companies with higher revenue
This card is designed for companies with at least $1 million in annual revenue. You get customizable rewards and advanced expense reporting.
Key benefits:
- Earn 1.5% cash back or 1 point per $1 spent
- Bonus of $1,000 after $25,000 spend in 3 months
- Travel and purchase protections
Best for: Medium to large companies with finance departments.
9. Bank of America® Business Advantage Customized Cash Rewards
Best for: Custom category cashback
You can choose which category earns 3% cash back—like gas stations, office supply stores, or travel—and switch it each month.
Features:
- $300 welcome bonus
- No annual fee
- Bonus rewards for Preferred Rewards members
Great for: Flexible businesses who want to maximize their monthly strategy.
10. Stripe Corporate Card
Best for: Online businesses and Stripe users
If you already use Stripe for payments, their business card makes total sense. You’ll earn rewards for spend and get tight integration with your Stripe dashboard.
Why it’s solid:
- Instant approval for Stripe users
- 2% cashback on top spending categories
- No fees at all (seriously)
Ideal for: SaaS founders, ecommerce brands, and Stripe-based businesses.
Tips for Getting Approved Best New Business Credit Cards
Getting a business credit card isn’t like applying for a personal one. Here’s how to boost your odds:
- Register your business (LLC, sole proprietorship, etc.)
- Have an EIN (Employer Identification Number)
- Use a business checking account
- Maintain good personal credit (some issuers still check)
- Provide estimated annual revenue
Even freelancers and side hustlers can qualify—don’t assume you need a giant company.
How to Use Business Credit Cards Responsibly
To get the most from your card:
- Pay in full to avoid interest
- Set reminders or auto-pay
- Use rewards intentionally (for travel, reinvestment, etc.)
- Track employee spending
- Review monthly statements for trends and overspending
Good usage builds credit, earns rewards, and helps you grow smarter—not just faster.
Final Thoughts
There’s no one-size-fits-all business credit card. The best new business credit card for your company depends on how you spend, how much you spend, and what you value most—whether it’s travel perks, cashback, or automation.
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