best small business credit cards with rewards

Here are some top small business credit cards with rewards, tailored to different spending habits and budgets in 2025:

bbygirl123

Jun 24, 2025 - 10:42

1.5 % cash back on every business purchase, with no annual fee
Generous $750 welcome bonus after $6,000 spent in 3 months
Includes a 12‑month 0 % APR intro period tradebrains.in+10nerdwallet.com+10techrepublic.com+10reddit.com+1techrepublic.com+1
Ideal for small businesses wanting straightforward rewards without category restrictions

2 %–5 % cash back depending on spend tier
No foreign transaction fees, unlimited rewards
Requires excellent credit and has a $150 annual fee livemint.comarchitecturaldigest.com+1nerdwallet.com+1nerdwallet.com+1nerdwallet.com+1
Great choice if you want flat-rate rewards and travel benefits

3X points on travel, shipping, internet, phone, and advertising (up to $150K/year)
$95 annual fee, but high reward categories and travel protections offer strong value cardinsider.com+5finance.worldsearch.co.in+5architecturaldigest.com+5
Best for businesses with high spending in these core categories

2 % cash back on all eligible purchases (up to $50K/year), then 1 % reddit.com+10reddit.com+10tradebrains.in+10
No annual fee and 0 % introductory APR for 12 months
Perfect for diverse small-business spending without annual fees

5 % cash back on office supplies, internet, cable, and phone (up to $25K/year)
2 % cash back at gas stations and restaurants (up to $25K/year)
Offers a $750 signup bonus after $6K spend in 3 months and a 0 % APR intro techrepublic.com+3reddit.com+3finance.worldsearch.co.in+3architecturaldigest.com+1tradebrains.in+1
Ideal for businesses with recurring expenses in these categories

For Indian entrepreneurs, here are some top performers:

HDFC Business MoneyBack – 4 pts per ₹150 on online spends, 5 % cashback on key categories tradebrains.inreddit.com+3livemint.com+3livemint.com+3
ICICI Business Advantage Black – 1 % cashback across spends + surcharge waivers finance.worldsearch.co.in+11livemint.com+11tradebrains.in+11
Axis Bank My Business – 4 eDGE points per ₹200, lounge access, EMI facility reddit.com+3livemint.com+3livemint.com+3
YES Prosperity – No joining fee, 8 pts per ₹200, lounge access and milestone points nerdwallet.com+4cardinsider.com+4forbes.com+4
HDFC BizBlack – High reward multipliers on bills and travel (5X), lounge benefits reddit.com+1reddit.com+1

Expense Patterns – Choose flat-rate (Ink Unlimited, AmEx Blue) vs category-based (Ink Preferred, Ink Cash) based on your biggest spend areas
Fees vs Rewards – Some cards have annual fees ($95–$150), but higher reward rates and perks can outweigh those costs
Sign-Up Bonuses – Most offer $500–$750 welcome offers—evaluate the spending requirement to reach them
Intro APR Offers – Useful if you plan to carry balances short-term
Extra Perks – Look at lounge access, travel protections, employee cards, and fee waivers

Card	Rewards	Annual Fee	Bonus	Best For
Chase Ink Unlimited	1.5 % flat	$0	$750	Simplicity
Capital One Spark Cash Plus	2–5 % flat	$150	—	Higher-earning
Ink Preferred	3X on key biz categories	$95	—	Ad/telecom/travel spend
AmEx Blue Business Cash	2 % flat (up to $50K)	$0	$250	Low fee, all-around
Ink Business Cash	5 % on office & telecom	$0	$750	Office-heavy budgets