Comparing Business Credit Cards: Which One Offers the Best Perks?
Introduction
Business credit cards provide entrepreneurs, freelancers, and small business owners with an excellent way to manage expenses, earn rewards, and build business credit. However, with so many options available, choosing the right card can be overwhelming. This guide will help you compare the best business credit cards in 2025, outlining their perks, fees, and suitability for different types of businesses.
1. Benefits of Business Credit Cards
Before we dive into comparisons, let’s explore why having a business credit card is essential:
- Expense Management: Helps track business expenses separately from personal finances.
- Cash Flow Management: Allows you to make purchases even when cash flow is tight.
- Rewards & Cashback: Earn points, miles, or cashback on business-related expenses.
- Builds Business Credit: Helps establish and improve your company’s credit profile.
- Employee Cards: Issue supplementary cards to employees with spending limits.
- Exclusive Perks: Travel insurance, purchase protection, extended warranties, and more.
Now, let’s compare some of the top business credit cards and see which one offers the best perks.
2. Best Business Credit Cards for 2025
1. American Express Business Platinum Card (Best for Travel Perks)
- Annual Fee: $695
- APR: 19.24% – 27.24% variable
- Key Perks:
- 5X points on flights and prepaid hotels booked via Amex Travel.
- Access to Global Lounge Collection (including Centurion Lounges and Priority Pass).
- $200 airline fee credit.
- $189 CLEAR Plus credit for airport security fast lanes.
- Statement credits for Dell, Indeed, and Adobe purchases.
Pros: ✔ Exceptional travel perks. ✔ High reward rates on travel purchases. ✔ Luxury benefits like lounge access and CLEAR membership.
Cons: ✘ High annual fee. ✘ Rewards focus mainly on travel, not everyday business expenses.
2. Chase Ink Business Preferred® Credit Card (Best for Flexible Rewards)
- Annual Fee: $95
- APR: 18.24% – 23.24% variable
- Key Perks:
- 3X points per $1 spent on travel, shipping, social media ads, and telecom expenses (up to $150,000 per year).
- 1X point on all other purchases.
- Points can be redeemed for travel through Chase Ultimate Rewards at a 25% higher value.
- No foreign transaction fees.
- Cell phone protection when you pay your bill with the card.
Pros: ✔ High rewards in business categories. ✔ Strong travel redemption value. ✔ Great bonus categories for digital marketing and tech businesses.
Cons: ✘ No intro 0% APR offer. ✘ Limited benefits for businesses outside bonus categories.
3. Capital One Spark Cash Plus (Best for Flat-Rate Cashback)
- Annual Fee: $150
- APR: No preset APR (pay-in-full charge card)
- Key Perks:
- Unlimited 2% cashback on all purchases.
- No foreign transaction fees.
- Free employee cards with customizable spending limits.
- No preset spending limit, making it ideal for high-spending businesses.
Pros: ✔ Simple, flat-rate cashback on everything. ✔ Great for businesses with high monthly spending. ✔ No preset spending limit offers flexibility.
Cons: ✘ Must pay balance in full each month. ✘ Higher annual fee compared to some cashback cards.
4. Bank of America® Business Advantage Customized Cash Rewards (Best for Customizable Cashback)
- Annual Fee: $0
- APR: 16.24% – 26.24% variable
- Key Perks:
- 3% cashback on a category of your choice (gas, office supplies, travel, etc.).
- 2% cashback at restaurants.
- 1% cashback on all other purchases.
- No annual fee.
- Introductory 0% APR on purchases for the first 9 billing cycles.
Pros: ✔ Customizable cashback categories. ✔ No annual fee. ✔ Intro APR for new purchases.
Cons: ✘ Cashback is capped at $50,000 in combined spending per year. ✘ Foreign transaction fees apply.
3. How to Choose the Best Business Credit Card
1. Identify Your Spending Habits
- If your business spends heavily on travel, choose a card with travel perks like Amex Business Platinum.
- If you spend across multiple categories, Chase Ink Business Preferred offers flexible rewards.
- If you prefer straightforward cashback, go for Capital One Spark Cash Plus.
2. Consider the Annual Fees
- Premium cards like Amex Business Platinum offer the best perks but come with high annual fees.
- No-fee options like Bank of America Customized Cash Rewards may be better for small businesses.
3. Evaluate Reward Redemption Options
- Cards with transferable points (Chase Ink, Amex Business Platinum) provide more flexibility.
- If you prefer cashback, Capital One Spark Cash Plus provides a simple structure.
4. Check Additional Benefits
- Fraud protection and security features are crucial.
- Employee cards with spending limits can help manage business expenses.
- Introductory 0% APR is great for new businesses making large purchases.
Conclusion
Choosing the best business credit card depends on your business needs. If you travel frequently, Amex Business Platinum offers the best perks. If you want flexible rewards, Chase Ink Business Preferred is a top choice. For businesses seeking simple cashback, Capital One Spark Cash Plus is the way to go.
No matter which card you choose, use it responsibly to maximize rewards while maintaining a healthy business credit score.
Disclaimer:
This article is for informational purposes only. Credit card terms, interest rates, and benefits are subject to change. Always check the latest details with the respective financial institution before applying.
