The 5 Best Credit Cards for Small Business Owners in 2025
- Stephanie Peterson
- 2 days ago
- 3 min read
As the owner of Superior Virtual Bookkeeping LLC, I know firsthand how important it is for small business owners to manage cash flow, maximize rewards, and track expenses efficiently. One of the most powerful tools for accomplishing all three is having the right business credit card.
Whether you're just starting your business or you're looking to level up your financial strategy, here are the five best credit cards for small business owners in 2025, with a focus on real value, flexibility, and bookkeeping ease.
1. Chase Ink Business Preferred® Credit Card
Best for: Earning big rewards on common business expenses
Sign-up bonus: 100,000 points after spending $8,000 in the first 3 months
Rewards: 3x points on travel, shipping, advertising on social media/search engines, internet, cable, and phone services (up to $150,000 per year)
Annual fee: $95
Why I recommend it: If you’re spending on digital ads, travel, or communications, this card helps rack up points fast. It also integrates easily with accounting software, which makes reconciliation a breeze.
2. American Express® Blue Business Cash Card
Best for: Simple, no-annual-fee cash back
Cash back: 2% on all eligible purchases on up to $50,000 per year, then 1%
Annual fee: $0
Why I recommend it: For business owners who prefer straightforward cash back without worrying about rotating categories, this card offers consistent value and flexibility. Plus, Amex’s expense management tools are top-notch.
3. Capital One Spark Cash Plus
Best for: High spenders who prefer charge cards
Cash back: 2% unlimited on all purchases
Annual fee: $150
Sign-up bonus: Up to $1,000 (depending on spend)
Why I recommend it: If your business consistently spends a high amount each month and you’re okay with paying your balance in full, this charge card delivers serious cash back without category restrictions. Great for fast-growing service-based businesses.
4. Brex Card for Startups
Best for: Tech-savvy, newer LLCs with strong cash flow
Fees: $0 annual fee, no personal guarantee
Rewards: Up to 8x points on rideshare, 5x on travel, 4x on restaurants, 3x on software subscriptions
Requirements: Linked to a business bank account with $50K+ in funding or revenue
Why I recommend it: Brex is ideal for LLCs that want modern tools, no personal credit checks, and generous points on startup-friendly categories. It also offers built-in expense tracking features that play nicely with your bookkeeping system.
5. U.S. Bank Business Leverage® Visa Signature® Card
Best for: Earning extra on your specific business spend
Rewards: 2x on your top two categories automatically each month
Sign-up bonus: 75,000 points after $7,500 spend in 4 months
Annual fee: $95 (waived the first year)
Why I recommend it: If your spending patterns change from month to month, this card adapts automatically and offers generous rewards in your highest categories. That flexibility is perfect for evolving service businesses like law, real estate, and consulting.
Final Thoughts from a Virtual Bookkeeper
Choosing the right credit card for your business depends on your business’s size, cash flow, and expense patterns. For clients I work with across industries—from attorneys to contractors to online sellers—these cards offer a strong mix of rewards, financial control, and bookkeeping compatibility.
If you need help setting up your businesses chart of accounts to handle credit card expenses properly—or reconciling your monthly transactions—Superior Virtual Bookkeeping is here to help. Let’s simplify your finances so you can focus on growing your business.
Need help picking the right card for your business or organizing your business finances? Contact me today for a free consultation!
📞 (951) 440-3498
Superior Virtual Bookkeeping LLC – Supporting service-based entrepreneurs with expert virtual accounting services.
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