Here are the top business credit cards for December 2025, based on current offers, rewards rates, bonuses, and features from leading issuers like Chase, American Express, Capital One, and Bank of America. These picks suit various business needs: cash back, travel rewards, no annual fee, or high limits.
How to Choose:
All cards require personal guarantee (standard for small business).
Apply directly via issuer sites for latest offers (bonuses change monthly).
Your choice.
– Based on NerdWallet, CNBC, Bankrate, Forbes, WalletHub (December 2025).
| Rank | Card Name | Annual Fee | Welcome Bonus (Dec 2025) | Rewards Rate | Best For | Key Perks |
|---|---|---|---|---|---|---|
| 1 | Ink Business Preferred® Credit Card (Chase) | $95 | 120,000 points after $8,000 spend in 3 months (worth $1,200–$1,500) | 3x on first $150k in travel, shipping, internet/cable/phone, social/search ads; 1x elsewhere | Travel rewards & bonuses | Cell phone protection, travel insurance |
| 2 | Ink Business Unlimited® Credit Card (Chase) | $0 | $750 cash back after $6,000 spend in 3 months | Unlimited 1.5% cash back on all purchases | No-fee cash back | 0% intro APR 12 months, employee cards free |
| 3 | The Business Platinum Card® from American Express | $695 | 200,000 points after $20,000 spend in 3 months | 5x on flights/hotels via Amex Travel; 1.5x on $5k+ purchases; 1x elsewhere | Premium travel perks | Lounge access (1,500+), $200 airline credit, hotel status |
| 4 | American Express Blue Business Cash™ Card | $0 | $250 statement credit after $3,000 spend in 3 months | 2% cash back on first $50k/year; 1% after | Simple cash back | Expanded buying power, no preset limit |
| 5 | Capital One Venture X Business | $395 | 150,000 miles after $30,000 spend in 3 months | 10x on hotels/cars via Capital One Travel; 5x flights; 2x everywhere | Travel miles | $300 travel credit, lounge access |
| 6 | Ink Business Cash® Credit Card (Chase) | $0 | $350 after $3,000 + $400 after $6,000 in 3 months | 5% on first $25k at office supplies/internet/cable/phone; 2% gas/dining; 1% elsewhere | Office & everyday spending | Free employee cards |
| 7 | Capital One Spark Cash Plus | $150 (waived with $150k spend) | $2,000 cash after $30,000 spend in 3 months | Unlimited 2% cash back | Unlimited cash back | No preset limit, charge card |
| 8 | Bank of America Business Advantage Customized Cash | $0 | $300 after $3,000 spend in 90 days | 3% in choice category (up to 75% boost with Preferred Rewards); 2% grocery/wholesale; 1% elsewhere | Customizable categories | Preferred Rewards boost |
Top Picks by Category (December 2025)
- Best Overall/No Annual Fee: Ink Business Unlimited – $750 bonus + unlimited 1.5% cash back.
- Best for Travel: Ink Business Preferred or Venture X Business – huge bonuses + premium perks.
- Best Cash Back: Ink Business Cash or Amex Blue Business Cash – high rates in key categories.
- Best Premium: Amex Business Platinum – lounge access + credits offset fee.
- Best Unlimited Rewards: Capital One Spark Cash Plus – 2% everywhere + big bonus.
How to Choose:
- Spending $5k–$20k/month: Ink Business Cash/Unlimited for bonuses.
- Travel heavy: Ink Preferred or Venture X.
- High spend ($100k+): Spark Cash Plus or Amex Platinum.
- New business: Blue Business Cash or Spark Classic (fair credit OK).
All cards require personal guarantee (standard for small business).
Apply directly via issuer sites for latest offers (bonuses change monthly).
Your choice.
– Based on NerdWallet, CNBC, Bankrate, Forbes, WalletHub (December 2025).
