Most Used Credit Cards in the USA for Business Expenses

Introduction

In order to maintain unhindered operation and ensure the organization’s gradual growth, it is fundamentally important to manage its business expenses efficiently. Business credit cards are popular among business proprietors in the USA who want to separate personal from business spending, avail themselves of rewards, and simplify expense management. The best credit cards for business expenses range from cashback and rewards on purchases to features for advanced expense tracking and categorization. Some cards come with extra perks such as travel insurance, purchase protection, and no foreign transaction fees, which become missions in those cases of businesses dealing internationally.

This guide will help small business owners, freelancers, and members of larger corporations alike to evaluate which credit cards are best for business expenses. By weighing the positive and negative features of several alternatives, business owners are provided with information to choose what their best options are in being effective in finance management, obtaining rewards, keeping costs down, and creating upward mobility.

Summary Table (TLDR)

Top 9 Most Used Credit Cards in the USA for Business Expenses [2025]

Best Credit Cards in the USA for Business Expenses [March 2025]

1. American Express Gold Card

The American Express® Gold Card is known as one of the greatest travel rewards cards due to its extensive dining and travel benefits, which appeal to high-spenders who can afford the $325 annual fee. It provides large recurring benefits for flight, restaurant, and U.S. supermarket purchases, as well as enough credits to cover its somewhat hefty annual fee.

Business Expense

Issuer	American Express
Payment Gateway	AMEX
Credit Score	Good/Excellent
Intro APR	N/A
Regular APR	21.24%–29.24%
Sign In Bonus	60,000 Membership Rewards points after $4,000 spent in 6 months
Best For	Frequent Travelers Food Enthusiasts

The American Express® Gold Card, issued by American Express, provides generous rewards on everyday purchases, including dining and travel. Its best feature is the Membership Rewards program, offering valuable points for various expenses.

The card has an annual fee of $325 plus applicable taxes. Unique features include no pre-set spending limit and access to the Gold Collection rewards. The required credit score is 700+. The referral program offers bonus Membership Rewards points.

Key Features:

• No Foreign Transaction Fees.
• Annual Fee is $325.
• Provides Travel and Insurance benefits
• The card provides elevated rewards for dining in, dining out, and grocery shopping.

Reward Rate:

• 4x points on dining at restaurants
• 3x points on flights booked directly with airlines

Other Information:

• Cash Advance Fee of 5% or $10
• No Preset Spending Limit

Pros & Cons of American Express Gold Card

Expert Advice:

The American Express® Gold Card was created especially for people who truly appreciate the benefits of their membership rewards. With this card, you may earn 4X Membership Rewards® points at restaurants (up to $50,000 in expenditures per year, then 1X) and supermarkets in the United States (up to $25,000 in purchases per year, then 1X). Get 3X Membership Rewards® points when you purchase your tickets. When you book prepaid hotels and other qualified transactions, you may earn twice as many Membership Rewards® points.

2. American Express Blue Business® Plus

The American Express Blue Business® Plus Card is well-liked for business spending because of its simple rewards system. It rewards 2x points on the initial $50,000 in purchases on qualifying purchases each year, making it an excellent choice for earning rewards on routine business spend.

Business Expense

Issuer	American Express
Payment Gateway	AMEX
Credit Score	Good-Excellent
Intro APR	0% for 12 months
Regular APR	18.24%–26.24%
Sign-up Bonus	15,000 Membership Rewards points after $3,000 spent in 6 months
Best For	Small Business Owners Entrepreneurs

The American Express Blue Business® Plus Card, issued by American Express, offers rewards on business purchases and travel. Its best feature is the Membership Rewards program, providing valuable points for business expenses.

The card has an annual fee of $150. Unique features include access to the Blue Business Collection rewards and a required credit score of 700+. The referral program offers bonus Membership Rewards points.

Key Features:

• Business Rewards
• No Annual Fees

Reward Rate:

• 2x points on all business purchases (up to $50,000/year)
• 1x points thereafter

Other Information:

• 5% or $10 Cash Advance

Pros & Cons of American Express Blue Business® Plus

Expert Advice:

The American Express Blue Business® Plus Card is an excellent option for businesses seeking to earn rewards without paying an annual fee. With 2x points on purchases up to $50,000 per year, it’s a great fit for everyday business expenses. It’s also ideal for businesses with variable payment needs, as it provides flexible payment and no preset spending limit.

3. Bank of America® Business Advantage Cash Rewards MasterCard

This card is an excellent option for business owners seeking cash-back rewards. It rewards 3% cash back on the first $50,000 in a category of your selection (like gas, office supplies, or travel), and 2% on dining, with 1% on other purchases. With no annual fee, it’s best suited for businesses that spend large amounts in a particular category and desire to get the most cashback on regular purchases.

Business Expense

Issuer	Bank of America
Payment Gateway	Mastercard
Credit Score	Good/Excellent
Intro APR	0% intro APR on purchases for the first 9 billing cycles. After that, a variable APR of 14.24% – 24.24% applies.
Regular APR	Variable APR of 14.24% – 24.24%.
Sign-up Bonus	$300 online statement credit after making at least $3,000 in net purchases in the first 90.
Best For	Small Business Owners N/A

The Bank of America® Business Advantage Cash Rewards Mastercard, issued by Bank of America, offers 3% cash back in a category of your choice, 2% on dining, and 1% on all other purchases. It’s designed for small businesses to maximize cash back on business expenses.

The card has no annual fee and offers a $200 online cash rewards bonus after making $1,000 in purchases within the first 90 days. It also includes a low introductory APR for the first 15 billing cycles.

Key Features:

• Cash Back
• Business Expenses
• No Annual Fee

Reward Rate:

• 3% cash back in one of the following categories: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services, or business consulting services.

Other Information:

• N/A

Pros & Cons of Bank of America® Business Advantage Cash Rewards MasterCard

Expert Advice:

To maximize the Bank of America® Business Advantage Cash Rewards Mastercard®, try to choose the 3% cash back category that your business spends the most in. If your business consistently spends in one category, such as gas or office supplies, this card has the potential to provide a huge cash back reward. Also, utilize the introductory bonus offer, if available.

4. Chase Ink Business Preferred

The Chase Ink Business Preferred card helps businesses overcome their funds deficiency and enables them to complete their huge business expenses by offering generous rewards.

Large Purchases and Cashback

Issuer	Chase
Payment Gateway	Visa
Credit Score	Good-Excellent
Intro APR	N/A
Regular APR	20.24%–25.24%
Sign In Bonus	100,000 points after $8,000 spent in 3 months
Best For	Large purchases

The Chase Ink Business Preferred® Card is designed for business owners. Issued by Chase, it offers generous rewards on business expenses and helps manage expenses efficiently. It provides flexibility in earning rewards.

The card has an annual fee of $95 and offers 3X points on travel and select business categories. The credit limit varies, and a good credit score is required. It also includes a referral program and travel insurance.

Key Features:

• Business Rewards
• Travel Benefits
• Employee Spending

Reward Rate:

• 3x points on travel, shipping, internet, phone services 
• 1x points on all other purchases

Other Information:

• Points redeemable through Chase Ultimate Rewards for max value
• High spending requirement for sign-up bonus

Pros & Cons of Chase Ink Business Preferred

Expert Advice:

Chase Ink Business Preferred is great for businesses that spend on travel, advertising, and telecom, this card features 3 points for every dollar in those categories. A great sign-up bonus and the ability to transfer points to travel partners make this a great choice for heavy-spending businesses.

5. Capital One Spark Classic for Business

The Capital One Spark Classic for Business is ideal for business owners with fair credit who wish to accumulate cashback rewards. It rewards 1.5% unlimited cash back on all purchases with no annual fee. The card is a great choice for small businesses that need a straightforward rewards program and easy cash back without the hassle of rotating categories or complex terms.

Business Expense

Issuer	Capital One
Payment Gateway	Mastercard
Credit Score	Good/Excellent
Intro APR	N/A
Regular APR	23.99%
Sign-up Bonus	$200
Best For	Small Business Owners N/A

The Capital One Spark Classic for Business offers 1% cash back on all purchases. Issued by Capital One, it’s a straightforward option for small businesses.

With no annual fee and no foreign transaction fees, the card helps businesses manage their expenses efficiently. A fair credit score is required, and it includes tools for credit monitoring and budgeting.

Key Features:

• Cash Back

Reward Rate:

• 1% on every purchase, every day

Other Information:

• 3% of the amount

Pros & Cons of Capital One Spark Classic for Business

Expert Advice:

The Capital One Spark Classic for Business is perfect if you want a simple-to-handle card with steady rewards. It’s perfect for companies that desire simple cash back without the inconvenience of monitoring categories. Because it’s designed for businesses with average credit, it’s a good option for those who need to establish or enhance their credit while earning rewards.

6. Wells Fargo Business Platinum Credit Card

The Wells Fargo Business Platinum Credit Card is suitable for businesses looking for a low-interest method of financing big-ticket purchases or balance transfers. It provides 0% intro APR for 9 months on purchases and balance transfers to manage cash flow. With no annual fee and access to expense tracking tools, the card is perfect for businesses that want flexibility with low interest in financing.

Business Expense

Issuer	Wells Fargo
Payment Gateway	Visa
Credit Score	Good to Excellent
Intro APR	0% Intro APR on purchases and balance transfers for the first 9 months. After that, a variable APR applies.
Regular APR	11.24% to 21.24% Variable APR
Sign-up Bonus	Earn a one-time $300 cash-back bonus or 30,000 bonus points when you enroll in the rewards program and spend $3,000 in the first 3 months of account opening.
Best For	Small Business Owners N/A

The Wells Fargo Business Platinum Credit Card is tailored for small businesses looking for a low-cost financing solution. Issued by Wells Fargo, it provides a 0% intro APR for 9 months on purchases and balance transfers. The card offers 1.5% cash back or 1 point per dollar spent, making it flexible for everyday business expenses. With no limit on rewards, businesses can maximize their savings.

This card has no annual fee, making it a great choice for budget-conscious businesses. Credit limits start at $500 and go up based on business revenue and creditworthiness. A good to excellent credit score (700+) is recommended for approval. While it does not offer a referral program, it includes fraud protection, mobile wallet compatibility, and employee card management tools at no extra cost.

Key Features:

• Cash Back
• Business Expenses

Reward Rate:

• 1.5% cash back on every $1 spent

Other Information:

• Either $20 or 5% of the amount of each cash advance, whichever is greater

Pros & Cons of Wells Fargo Business Platinum Credit Card

Expert Advice:

If your company is going to make big purchases or pay a balance transfer, the Wells Fargo Business Platinum Credit Card can save interest with its 0% intro APR. Just be sure to pay the balance off within the 9-month time frame to maximize the interest-free deal. If you don’t have a balance, look at other cards with rewards.

7. Wells Fargo Business Elite Signature Card

The Wells Fargo Business Elite Signature Card is for higher-spending business needs, giving you premium perks and rewards. It gives 1.5% cash back on all you buy, and there’s no limit to earning your rewards. It also comes with access to exclusive benefits including travel protections, purchase security, and personalized assistance, making it the best card for businesses seeking both flexibility and premium benefits.

Business

Issuer	Wells Fargo
Payment Gateway	Visa
Credit Score	N/A
Intro APR	N/A
Regular APR	11.99% variable
Sign-up Bonus	$1,000 cash back bonus after spending $25,000 in the first 3 months
Best For	Large Business Owners N/A

Tailored for larger businesses, this card offers 1.5% cash back on every purchase, along with premium benefits. It’s ideal for companies with higher monthly spending that want to maximize rewards. The card also features 5,000 bonus points when the business spends $10,000+ per month and provides free employee cards with customizable limits, making it a valuable tool for managing company-wide expenses.

The annual fee is $125 (waived for the first year). A high credit limit is available for businesses that qualify, though approval requires an excellent credit score (720+). While there is no referral program, this card includes concierge services, extended warranty protection, auto rental insurance, and travel accident insurance, offering added value to businesses that frequently travel or make large purchases.

Key Features:

• Rewards
• Travel Benefits
• N/A

Reward Rate:

• Earn 1.5% cash back on every $1 spent
• Earn 1 point per $1 spent and receive 5,000 bonus points when your company spends $10,000 or more in any monthly billing period

Other Information:

• 4% or $10, whichever is greater

Pros & Cons of Wells Fargo Business Elite Signature Card

Expert Advice:

This card is an excellent choice for businesses with high spending who desire to get regular rewards. The cash back of 1.5% on all purchases is simple, and the extra perks such as travel protections are perfect for businesses that travel often or require additional protection on purchases. Use it for higher, more varied expenses.

8. Capital One Spark Miles for Business

The Capital One Spark Miles for Business is an excellent pick for companies looking to accumulate travel rewards. It gives 2 miles per dollar on all purchases with no categories to keep track of, making it perfect for companies with varied spending. It also has a generous sign-up bonus and flexible rewards redemption, including travel, gift cards, and more, which makes it perfect for companies that value travel rewards.

Business Expense

Issuer	Capital One
Payment Gateway	Mastercard
Credit Score	Excellent
Intro APR	N/A
Regular APR	26.24% Variable
Sign-up Bonus	50,000 miles after spending $4,500 in the first 3 months
Best For	Small Business Owners Frequent Business Travelers

The Capital One Spark Miles for Business card offers unlimited 2x miles on every purchase. Issued by Capital One, it’s ideal for businesses aiming to earn travel rewards efficiently.

With no annual fee and no foreign transaction fees, the card provides 5% miles on hotels and rental cars booked through Capital One Travel. A good credit score is required, and it includes free employee and virtual cards.

Key Features:

• Business Travel Rewards
• No Foreign Transaction Fees
• N/A

Reward Rate:

• 2x miles on every purchase

Other Information:

• 5% or $10, whichever is greater

Pros & Cons of Capital One Spark Miles for Business

Expert Advice:

If your company spends a great deal on travel or miscellaneous expenses, the Capital One Spark Miles for Business provides a hassle-free means to earn miles. Leverage the sign-up bonus and the 2x miles on all purchases. It’s ideal for companies that desire an easy-to-use rewards program with flexible travel redemption opportunities.

9. CitiBusiness® / AAdvantage® Platinum Select®

The CitiBusiness / AAdvantage Platinum Select Card is an ideal choice for businesses that travel a lot with American Airlines. The card provides 2 AAdvantage miles for each dollar on qualified American Airlines purchases, phone and cable and internet services, and extra mile on everything else.

Business Expense

Issuer	Citibank
Payment Gateway	Mastercard
Credit Score	Good-Excellent
Intro APR	N/A
Regular APR	21.24%–28.24%
Sign-up Bonus	65,000 miles after $4,000 spent in 4 months
Best For	Small Business Frequent Flyers

This card, issued by Citi in partnership with American Airlines, is tailored for business travelers. It earns 2X miles on eligible American Airlines purchases and selects business categories like telecommunications and gas stations. Cardholders enjoy preferred boarding and a first checked bag free.

The $99 annual fee is waived for the first year. A good credit score (700+) is needed. It includes a referral program and offers travel perks like a 25% discount on in-flight purchases and companion ticket discounts.

Key Features:

• Business Travel
• Airline Rewards
• American Airlines

Reward Rate:

• 2x miles on AA, gas, car rentals, dining
• 1x miles on all else

Other Information:

• 5% or $10

Pros & Cons of CitiBusiness® / AAdvantage® Platinum Select®

Expert Advice:

This card is perfect for companies that make regular use of American Airlines since it optimizes travel rewards through bonus miles in important categories. Utilize it for airfare and associated travel costs to gain miles rapidly. Leverage the card’s travel benefits, such as the complimentary checked bag, to minimize business travel expenses.

Methodology

In our investigation into which credit cards are the most widely used for business expenses in the USA, we took into account several important factors that help companies organize their expense management. These factors include rewards-earning ability, annual fees, additional perks, foreign transaction fees, and whether it would be well-suited for small businesses or large corporations. We also looked at the flexibility and user-friendliness of the credit card, such as tracking and categorizing expenses, and integration with accounting software.

We have evaluated several credit cards that provide unique benefits that are tailored to business owners. These cards include rewards or cashback categories, sign-up bonuses, and basically how much these cards help a business owner maximize their spending. Business credit cards were compared on what those points or cashback would be worth when used for common business expenses such as office supplies, travel, gas, and dining.

In general, we also included cards providing employee card features, purchase protection, and travel insurance, so each such benefit accrues considerable value for the businesses. Also, those cards that provide no foreign transaction fees were given extra priority for businesses that regularly conduct global transactions. This methodology guarantees that the most used credit cards are business-friendly and rewarding at the same time. 

Choosing the Best Credit Cards for Business Expenses in the USA?

When selecting the most suitable credit cards for business expenses in the United States, it is crucial to consider several key factors:

Rewards and Cashback: Many popular business credit cards provide cashback or rewards on typical expenditures such as office supplies, dining, travel, and fuel. For instance, the Ink Business Cash® Credit Card offers up to 5% cashback in specific categories. Conversely, the American Express Blue Business Plus allows cardholders to earn 2 points per dollar spent across all purchases, making it versatile for various business requirements.

Sign-Up Bonuses: Numerous business credit cards come with considerable sign-up bonuses that can significantly benefit a company’s reward accumulation. A prime example is the Chase Ink Business Preferred® Credit Card, which grants an impressive bonus after reaching particular spending thresholds, thus delivering immediate advantages to new users.

Annual Fees: It is essential to evaluate the costs associated with each card. Several leading options, like the Chase Ink Business Unlimited® Credit Card, have no annual fee. On the other hand, some premium cards—such as the American Express Business Gold Card—impose an annual fee but are compensated by enhanced benefits.

Expense Tracking and Reporting Tools: Opt for business credit cards that include built-in tools for monitoring and categorizing expenses seamlessly. The Bank of America® Business Advantage Customized Cash Rewards Credit Card stands out in this area by offering resources designed to simplify financial management.

Employee Card Benefits: A variety of business credit cards permit you to issue additional cards for employees at no extra cost. This feature enables easier tracking and oversight of company spending practices. For example, with the Chase Ink Business Cash® Credit Card, there are no fees applied for employee add-on cards.

Foreign Transaction Fees: For businesses engaging in international operations or purchases abroad, it is prudent to select credit cards without foreign transaction fees. A commendable option here is the Capital One Spark Miles for Business—it provides fee-free transactions outside of domestic borders—benefiting companies venturing into global markets. 

Why Do You Need a Credit Card for Business Expenses?

However, the benefits of credit cards extend beyond those available to the average consumer; they also allow for the management of business finances in a more streamlined way. A business credit card separates personal and business expenditures for simple and easy bookkeeping, filing of taxes, and financial reporting. Furthermore, business credit cards make it easier to keep track of purchases and manage cash flow.

Business credit cards are often connected with rewards or cashback on purchases, allowing businesses to get something back on expenses. Like office supplies, food, and travel . These rewards could be reinvested in the business, used for other expenses, or saved for future purchases. Additionally, credit cards tend to have extra perks, such as purchase protection, extended warranties, and travel insurance, which can immensely help owners who seek to buffer any possible investments.

For employing businesses, credit cards make record-keeping on employees easier, as many cards can be set in one account, keeping the spending limit while monitoring is in place. This means that business owners will be in a position to take care of expenses efficiently and monitor whether or not the employees remain within allocated budgets. 

Does Citibank Offer Credit Cards for Business?

Yes, Citibank has an assortment of credit cards designed to fulfill business expenses. One of the highlights of these cards is the CitiBusiness® / AAdvantage® Platinum Select® Mastercard®, aimed at business owners who travel frequently. This card offers 2 miles/dollar on American Airlines purchases and select business categories including telecommunications and car rentals. This card has additional travel benefits, which include free checked bags, priority boarding, and more, as best for corporate expenses that make frequent flights.

Citibank’s business credit cards are appreciated for their flexibility and rewards structure, offering business owners the chance to customize their credit card experience according to their needs. Not only that, Citibank also provides businesses with tools for managing finances, including expense tracking and reporting, thereby helping business owners keep track of their finances and claim maximum rewards. Citibank’s strong standing in the finance industry, coupled with the great number of cards to choose from, makes Citibank a reliable option for business owners wishing to take their expenses under control while reaping really good rewards. 

How Do Credit Cards Help in Business Expenses? 

Business credit cards are necessary tools for the usage and organization of business expenses. They separate personal and business transactions, which is not only important for tax purposes but also for working towards accurate financial records. Business credit cards are laden with rewards ranging from cash back to points that hold undeniable value for the business. By cashing in for those points, the firm effectively uses everyday purchases to build reserves for redeemable rewards.

In addition to these rewards, business credit cards typically come with valuable benefits like purchase protection, extended warranties for high-cost purchases, and travel insurance to mitigate risk-loss to business assets. Some other great features are their ability to enable expense tracking and categorization. This will make the business life easier when preparing for taxes and tracking cash flow. Many cards also allow you to issue employee cards, which helps in expense centralization and better management of expenses across the company.

Moreover, the business credit card also helps in cash flow management by giving a grace period before payment is due. During this time, a business can effectively manage available incoming revenue before paying off the balances on those finances. To sum it up, business credit cards are required for leveraging credit management and keeping business interests protected. 

Advantages of Credit Cards for Business Expenses

1. Rewards and Cashback – Credit cards provide opportunities to earn either cash-back on everyday purchases or reward points which can be redeemed in some way for personal or business purposes.
2. Expense Tracking and Categorization – Many business credit card packages include tools for tracking and categorization, making accounting and tax preparation easy.
3. Employee Card Control – Additional cards can be issued to employees which limit spending to business needs only.
4. Purchase and Travel Protection – Business credit cards often provide purchase protection against theft and damage, extended warranties, and travel insurance, protecting your business assets and minimizing risks. 

FAQs

What are the best business credit cards for earning rewards? 

The best business credit cards for earning rewards include the Ink Business Preferred® Credit Card, which offers 3 points per dollar on travel and select business categories, and the American Express Business Gold Card, which provides 4 points on select business expenses.

Do business credit cards offer cashback? 

Yes, many business credit cards offer cashback on purchases. For example, the Chase Ink Business Cash® Credit Card offers 5% cashback on the first $25,000 spent in select categories and 1% on all other purchases.

Are there any business credit cards with no annual fee? 

Yes, several business credit cards have no annual fee, such as the Chase Ink Business Unlimited® Credit Card. These cards offer straightforward rewards or cashback without the burden of an annual fee.

How can I track my business expenses with a credit card?

 Many business credit cards come with built-in tools to categorize and track expenses, making it easy for business owners to manage their finances. Some cards also integrate with accounting software for seamless reporting.

Can I use a business credit card for personal expenses? 

No, it’s essential to keep personal and business expenses separate. Using a business credit card for personal purchases can cause confusion in accounting and potentially lead to tax issues.

Do business credit cards offer travel benefits? 

Yes, many business credit cards, like the CitiBusiness® / AAdvantage® Platinum Select® Mastercard®, offer travel-related benefits such as airport lounge access, travel insurance, and rewards points for flights, making them ideal for businesses that require frequent travel.