Top Small Business Credit Cards for Rewards in 2025: Maximize Your Earnings!

As small businesses continue to navigate a competitive landscape in 2025, choosing the right credit card can significantly impact their financial health. With a plethora of options available, it's essential for entrepreneurs to select credit cards that not only provide essential funding but also maximize rewards on everyday expenses. From cashback on office supplies to travel perks for business trips, the right small business credit card can enhance your earning potential while keeping your cash flow in check. In this article, we’ll explore the top small business credit cards that offer the best rewards and benefits to help you thrive this year.

Introduction

As small business owners navigate the complexities of managing their finances, the right credit card can be an invaluable tool. Not only do the best small business credit cards offer essential financial benefits, but they also provide opportunities to earn rewards that can help offset costs and enhance business operations. In 2025, the landscape of small business credit cards continues to evolve, with a variety of options designed to meet the unique needs of entrepreneurs. This article explores the top small business credit cards for rewards in 2025, helping you maximize your earnings while managing your business expenses.

Why Choose a Rewards Credit Card?

Rewards credit cards provide small business owners with the opportunity to earn points, cash back, or travel rewards for their everyday business spending. These rewards can be particularly beneficial for businesses that incur regular expenses such as office supplies, travel, and dining. By choosing a rewards credit card, you can effectively turn your business purchases into assets, allowing you to reinvest rewards into your operations or even enjoy personal perks.

Key Features to Consider

When selecting a small business credit card for rewards, there are several key features to consider:

  • Reward Structures: Look for cards that offer flexible rewards structures, such as tiered points systems or bonus categories that align with your business spending habits.
  • Sign-Up Bonuses: Many credit cards offer attractive sign-up bonuses for new cardholders. These bonuses can provide a significant boost to your rewards earnings in the first few months.
  • Annual Fees: Consider the annual fee associated with the card. Some cards may have no annual fee, while others may offer richer rewards but come with a cost. Weigh the benefits against the fee to determine which card is the best fit.
  • Redemption Options: Check how rewards can be redeemed, whether for cash back, travel, merchandise, or statement credits. Flexibility can enhance the value of your rewards.
  • Additional Benefits: Look for cards that offer extra perks such as purchase protection, extended warranties, travel insurance, and expense tracking tools.

Top Small Business Credit Cards for Rewards in 2025

1. Chase Ink Business Preferred Credit Card

The Chase Ink Business Preferred Credit Card stands out for its high rewards potential and robust benefits. Business owners can earn 3 points per dollar on the first $150,000 spent in combined purchases in categories such as travel, shipping, internet, cable, and phone services. Additionally, cardholders earn 1 point per dollar on all other purchases.

In 2025, the card offers a generous sign-up bonus of 100,000 points after spending $15,000 in the first three months. This bonus can be redeemed for travel, cash back, or other options, making it a versatile choice for any business. Other benefits include no foreign transaction fees and various travel protections.

2. American Express Blue Business Cash Card

The American Express Blue Business Cash Card is an excellent option for small businesses that prefer cash back rewards. This card offers 2% cash back on the first $50,000 spent each calendar year, and 1% cash back on all other purchases. With no annual fee, it is a cost-effective choice for small business owners looking to maximize cash flow.

In 2025, the card features a welcome offer of $250 cash back after spending $3,000 in the first three months. The card also includes additional benefits like purchase protection and extended warranty coverage, making it a well-rounded option for business expenses.

3. Capital One Spark Cash Plus

The Capital One Spark Cash Plus is a straightforward cash back credit card that offers unlimited 2% cash back on all purchases, making it ideal for businesses with diverse spending habits. This card does not have an annual fee and provides a significant sign-up bonus of $1,000 cash back after spending $500 in the first three months.

In 2025, the Spark Cash Plus card also offers the advantage of flexible payment terms, allowing business owners to pay their balance in full or carry a balance with interest. This flexibility, combined with the high cash back rate, makes it a popular choice among small business owners.

4. Discover it Business Card

The Discover it Business Card is an appealing option for small businesses that want to earn cash back while enjoying no annual fee. The card offers 1.5% cash back on every purchase, and in 2025, first-time cardholders can take advantage of a unique feature: Discover will match all the cash back earned in the first year.

Additionally, the card comes with various business-related tools, such as expense tracking and year-end summaries, simplifying financial management for small business owners. The Discover it Business Card is a solid choice for businesses seeking straightforward rewards without the burden of annual fees.

5. Bank of America Business Advantage Cash Rewards Mastercard

The Bank of America Business Advantage Cash Rewards Mastercard is designed for small business owners who spend heavily in specific categories. Cardholders can earn 3% cash back on the category of their choice, such as gas, office supplies, or travel, and 2% cash back on dining and wholesale clubs, with a cap of $50,000 in combined choice category and dining purchases each calendar year. All other purchases earn 1% cash back.

In 2025, this card also features a welcome offer of $300 in cash rewards after making at least $3,000 in purchases in the first 90 days of account opening. With no annual fee and additional perks like purchase protection and travel insurance, it’s a strong contender for businesses looking to earn rewards on their everyday expenses.

6. Wells Fargo Business Platinum Credit Card

The Wells Fargo Business Platinum Credit Card is an ideal choice for small businesses seeking a low-interest option. While it does not offer a rewards program like cash back or points, it provides a competitive introductory APR for the first 9 months, which can be beneficial for businesses that may carry a balance during that period.

In 2025, the card features tools that help businesses manage expenses, such as spending reports and integration with accounting software. While it may not be a rewards card, its low-interest rates and business management tools make it a valuable option for some entrepreneurs.

7. U.S. Bank Business Leverage Visa Signature Card

The U.S. Bank Business Leverage Visa Signature Card offers a unique rewards structure that allows cardholders to earn 2 points per dollar on the first $50,000 spent in combined purchases across two categories of their choice, such as gas, travel, or office supplies. All other purchases earn 1 point per dollar.

In 2025, the card also provides a sign-up bonus of 75,000 points after spending $7,500 in the first three months, which can be redeemed for travel or cash back. Additionally, cardholders benefit from travel insurance and purchase protection, enhancing the card's overall value.

8. CitiBusiness/AAdvantage Platinum Select Mastercard

For businesses that frequently travel, the CitiBusiness/AAdvantage Platinum Select Mastercard is a compelling option. This card offers 2 AAdvantage miles for every dollar spent on eligible American Airlines purchases, as well as 2 miles for purchases at telecommunications, car rental, and gas stations.

In 2025, the card features a generous sign-up bonus of 70,000 AAdvantage miles after spending $4,000 in the first four months. Additional benefits include a free checked bag on domestic flights and preferred boarding, making it an excellent choice for traveling business owners.

9. Marriott Bonvoy Business American Express Card

The Marriott Bonvoy Business American Express Card is perfect for small business owners who frequently stay at Marriott properties. In 2025, the card offers 6 points per dollar spent at participating Marriott hotels, 4 points per dollar at U.S. restaurants, gas stations, and on wireless telephone services, and 2 points per dollar on all other purchases.

Cardholders can earn a sign-up bonus of 75,000 Marriott Bonvoy points after spending $3,000 in the first three months. The card also includes a free night award every year after your card renewal, making it a valuable option for business travelers who want to maximize their hotel rewards.

10. Ink Business Cash Credit Card

The Ink Business Cash Credit Card is a popular option for small businesses looking to earn cash back on everyday expenses. In 2025, cardholders can earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services, 2% on the first $25,000 spent in combined purchases at gas stations and restaurants, and 1% on all other purchases.

Additionally, the card offers a welcome bonus of $750 cash back after spending $7,500 in the first three months. With no annual fee, this card is an excellent choice for small businesses that want to maximize their cash back rewards.

Conclusion

Choosing the right small business credit card in 2025 can significantly impact your bottom line. By selecting a card that aligns with your spending habits and financial goals, you can maximize your rewards and enhance your business operations. The options highlighted in this article represent some of the top small business credit cards for rewards, each offering unique benefits tailored to various business needs. As you consider your options, take the time to evaluate the features that matter most to you, and don’t hesitate to leverage the rewards to reinvest in your business or enjoy personal perks.