Top 11 Useful Business Credit Cards for Startups (2025 Updated) 

With the help of business credit cards for startups, you can access attractive financing, rewards, and perks. Generally, financers who issue business credit cards check the history of your personal credit. Hence, to get the best business credit cards, you must have a good credit score.

In this article, you will learn about your startup’s top credit card options. Here, you will learn about the essential details of each credit card option and what benefits each offers. Apart from that, you will also learn how to apply for credit cards for your small business. Hence, to learn more, read on to the end of the article.

Business Credit Cards For Startups: A General Overview

One of the major hurdles business owners face during the initial stage is a lack of capital. Thoughts of how to make money with scarce resources always worry the minds of these business owners.

If you are a startup owner and want capital for business growth, you can apply for a business credit card for startups. Such a credit card can help you with cash management. Apart from that, it will also help you to build a credit history if you want to grow your company.

However, you must understand that business credit cards are not only for large companies. Even freelancers, startups, and other small businesses can use business credit cards. However, the business needs to have a good credit history.

Basically, financial companies and institutions that offer business credit cards for startups generally require the personal guarantee of the business owner. Hence, startups with less revenue or no business history can secure a credit card. As a result, those businesses can build their personal credit from scratch.

Hence, if you want to know how to get a startup business loan with no money, read the next section.

Why Business Credit Cards are Important for Startups?

The following are the major reasons why business credit cards for startups are important:

1. Credit Building

One of the major benefits of having a business credit card is that you can make payments on time and in a responsible manner. Moreover, with the help of a good credit card, you can get better interest rates as well as more loan options.

On the other hand, it is easier to get bank loans with the help of business credit cards. Also, startups can get access to credit faster.

2. Cash Flow Management

With the help of credit cards, you will be able to manage your cash flow. In fact, managing cash flow is a major issue for many new businesses. For instance, if you want to buy inventory at the start, you can use your credit cards.

3. Separation of Personal and Business Finance

Once you use a business credit card solely for your business, you can separate your personal finance and business finance. This way, you can save your time and money if it is about categorizing your expenses. Also, it will help you to claim tax deductions.

4. Dealing with Personal Liability

If you use a business credit card separately for your business instead of your personal credit card, you can avoid putting your personal credit limit at risk. Hence, it will be easier for you to deal with personal liability.

5. Purchase Protections

With the help of small business credit cards, you will find it easier to get bank loans. In fact, some credit card lenders also offer purchase and travel protections. These include trip cancellation insurance, excluded warranty protection, and more.

Best Business Credit Cards For Startups In 2025

The following are the best business credit cards for startups you need to be aware of if you want to secure credit for your business:

1. The American Express Blue Business Cash Card

Here are the essential features of the American Express Blue Business Cash Card:

With this card, as you spend your first $50K, you can earn 2% each year. Beyond that, you will earn a cashback of 1% on every spending. Furthermore, the intro APR period is long and provides a decent welcome offer.

2. U.S. Bank Business Triple Cash Rewards World Elite Mastercard

The following are the important features of the U.S. Bank Business Triple Cash Rewards World Elite Mastercard:

It offers a 0% intro APR period on whatever you purchase. Apart from that, it also provides you with a big welcome offer. Apart from that, you can also have a 3% cashback in a few bonus categories.

3. Ink Business Cash Credit Card

Here are the essential features of the Ink Business Cash Credit Card that you need to be aware of:

With this card, you can earn up to 5% cashback on every purchase as you buy office supplies. This applies to both physical stores and online stores. Moreover, you can also get cashback on cable and phone bills. Additionally, you will get a strong welcome offer. Furthermore, the 0% APR intro period is long.

4. Capital One Spark Miles Select For Business

The following are the important features of the Capital One Spark Miles Select for Business credit card:

With this card, you can transfer your Capital One mile to your air and hotel partners. Additionally, you can redeem those miles for travel expenses. Moreover, you can also receive more warranties on eligible purchases. Also, you can avail yourself of rental car collision coverage.

Furthermore, no foreign transaction fees will allow you to purchase products/services outside the US.

5. Ink Business Preferred Credit Card

Here are the essential features of the Ink Business Preferred Credit Card:

Apart from a generous welcome offer, you can get a high rate of rewards on your trip. Moreover, there are also rewards in advertising, shipping, and telecom. Furthermore, it also offers travel protection for up to $5,000 per person and cell phone insurance for up to $1,000.

6. Signify Business Cash Card By Wells Fargo

The following are the important features of the Signify Business Cash Card by Wells Fargo:

Apart from a good introductory APR offer, you also get cashback points from Wells Fargo with this credit card. Moreover, there is an annual fee for the card. However, there is a welcome offer and no upper limit on rewards.

7. Brex Card

Here are the essential features of Brex Card that you must know before you apply for it:

If your business has $50K in its bank account, you can qualify for Brex Card. Additionally, it gets better if you have the backing of a venture. However, you will need to have $1 million if you have no funding.

Moreover, it offers you a chance to apply for your EIN. Also, you do not need to give a personal guarantee or a credit check.

8. Ink Business Unlimited Credit Card

The following are the important features of the Ink Business Unlimited Credit Card:

This is a simple cashback credit card. Here, you will have access to limitless rewards at a flat rate. Apart from that, you can get a stellar welcome offer and an attractive intro APR period.

It also offers employee cards and does not ask for additional payments. Moreover, it also offers you purchase protection and a primary auto rental collision.

9. Capital One Spark Cash Plus

Here are the essential features of the Capital One Spark Cash Plus credit card that you must be aware of:

If your business expenses are not eligible for the bonus categories of other business credit cards, this can be a great option for you. The best part is that you get a high reward rate of 2% on all purchases.

Moreover, there is no upper cap on how much you earn. Furthermore, you can get a $2,000 welcome bonus if you meet certain spending requirements.

10. Bank of America Business Advantage Customized Cash Rewards Mastercard

The following are the important features of the Bank of America Business Advantage Customized Cash Rewards Mastercard credit card:

You will get substantial rewards of more than $50K annually on the bonus categories. Moreover, the card also does not have any annual fees. Furthermore, in certain cases, reward bonuses can hit 25%-75%. However, there are foreign transaction fees, which limit your international transactions.

11. Capital One Spark Cash Select For Excellent Credit

Here are the essential features of the Capital One Spark Cash Select credit card:

Basically, the major advantage of this card is that it has a high reward rate. Additionally, there is no upper limit on how much you earn through rewards. Moreover, you do not need to pay an annual fee for the card. However, you must have excellent credit if you want to avail of the benefits of this card.

How Do You Apply For Business Credit Cards For Startups?

The following are the steps you need to follow if you want to apply for business credit cards for startups:

• Understand the needs and demands of your business.
• Be sure whether you can pay back the credit or not. It will heavily affect your credit score If you cannot pay it back.
• Check your eligibility for the credit card. For example, if you have a good credit score, the signs your loan will be approved will be high.
• Gather all the necessary documents and applications.

Do you have more suggestions about the best business credit cards for startups? Please share your ideas and opinions in the comments section below.

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