Best Business Credit Cards for Entrepreneurs in 2025 (USA/UK/Canada)
Introduction
Entrepreneurs need the right tools to grow their businesses, and a business credit card is one of the most powerful. Whether you’re a startup founder, freelancer, or small business owner, the right card can help you manage expenses, earn rewards, and even improve cash flow.
In this guide, we’ll break down the best business credit cards for entrepreneurs in 2025, covering the USA, UK, and Canada. We’ll compare rewards, fees, and perks to help you pick the perfect card for your needs.
Why Do Entrepreneurs Need a Business Credit Card?
A business credit card isn’t just for big corporations. Even solopreneurs and small teams can benefit from:
- Separating personal and business expenses (makes accounting easier).
- Earning cashback, points, or travel rewards on everyday spending.
- Building business credit for future loans or financing.
- Accessing exclusive perks like travel insurance, airport lounges, and concierge services.
If you’re serious about scaling your business, a business credit card is a must-have.
How We Ranked the Best Business Credit Cards
We evaluated cards based on:
- Rewards & Benefits – Cashback, travel points, and exclusive perks.
- Annual Fees – Are the rewards worth the cost?
- Interest Rates – Important if you carry a balance.
- Eligibility Requirements – Credit score and business revenue.
- Additional Features – Expense tracking, employee cards, and fraud protection.
Now, let’s dive into the top business credit cards for entrepreneurs in 2025.
Best Business Credit Cards in the USA (2025)
1. Chase Ink Business Preferred®
Best for: Travel rewards and high spending limits.
- Rewards: 3X points on travel, shipping, internet, and advertising (up to $150K/year).
- Sign-Up Bonus: 100,000 points after spending 15Kin3months(worth15Kin3months(worth1,250 in travel).
- Annual Fee: $95.
- Why It’s Great: Perfect for entrepreneurs who spend heavily on marketing and travel.
2. American Express® Business Gold Card
Best for: Flexible rewards and premium perks.
- Rewards: 4X points on top two spending categories (up to $150K/year).
- Sign-Up Bonus: 70,000 points after spending $10K in 3 months.
- Annual Fee: $295 (offset by rewards).
- Why It’s Great: Ideal for businesses with fluctuating spending patterns.
3. Capital One Spark Cash Plus
Best for: Simple cashback with no annual fee.
- Rewards: 2% cashback on all purchases.
- Sign-Up Bonus: \500 after spending \5K in 3 months.
- Annual Fee: $0.
- Why It’s Great: A no-fuss card for startups and freelancers.
Best Business Credit Cards in the UK (2025)
1. American Express® Business Platinum
Best for: Luxury travel and global perks.
- Rewards: 1.5 points per £1 spent, plus airport lounge access.
- Sign-Up Bonus: 40,000 points after spending £6K in 3 months.
- Annual Fee: £595.
- Why It’s Great: Best for frequent travelers and high-net-worth entrepreneurs.
2. Barclaycard Business Avios Plus
Best for: Avios points and airline rewards.
- Rewards: 1.5 Avios per £1 spent.
- Sign-Up Bonus: 50,000 Avios after spending £5K in 3 months.
- Annual Fee: £250.
- Why It’s Great: Perfect for entrepreneurs who fly with British Airways.
3. Tide Business Credit Card
Best for: Startups and small businesses.
- Rewards: 0.5% cashback on all spending.
- Sign-Up Bonus: Free 12-month Tide membership (worth £240).
- Annual Fee: £0.
- Why It’s Great: A simple, low-cost option for new businesses.
Best Business Credit Cards in Canada (2025)
1. American Express® Business Edge™
Best for: Flexible rewards and bonus categories.
- Rewards: 3X points on office supplies, gas, and restaurants.
- Sign-Up Bonus: 40,000 points after spending $5K in 3 months.
- Annual Fee: $149.
- Why It’s Great: Great for local business owners.
2. Scotiabank Business Visa® Infinite
Best for: Travel and insurance perks.
- Rewards: 2X points on gas, groceries, and dining.
- Sign-Up Bonus: 40,000 points after spending $5K in 3 months.
- Annual Fee: $149.
- Why It’s Great: Strong travel insurance and rewards.
3. BMO® Business Mastercard®
Best for: Cashback and low fees.
- Rewards: 1.5% cashback on all purchases.
- Sign-Up Bonus: \100 after spending \3K in 3 months.
- Annual Fee: $0.
- Why It’s Great: A budget-friendly option for startups.
How to Choose the Right Business Credit Card
Picking the best card depends on your business needs:
- Travel frequently? Go for a travel rewards card.
- Want simple cashback? Choose a no-fee cashback card.
- Need to build credit? Look for cards that report to business credit bureaus.
For more tips on managing business finances, check out this guide to business credit.
Final Thoughts
The best business credit card for entrepreneurs in 2025 depends on your spending habits and goals. Whether you’re in the USA, UK, or Canada, there’s a card that fits your needs.
Ready to apply? Compare your options and pick the one that helps your business grow!
For more financial tips and tools, visit Business Finance Hub.
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