Best Business Credit Cards of June 2025

In today’s competitive business world, having the right financial tools can make all the difference in your company's success. One of the most essential tools for managing business expenses, improving cash flow, and earning rewards is a business credit card. As we look toward June 2025, the best business credit cards are not only offering low interest rates and generous rewards, but they also come with valuable perks like cashback, travel rewards, and no annual fees.

Whether you’re a small startup or an established enterprise, choosing the right business credit card can help streamline your finances and provide a solid foundation for growth. In this article, we’ll break down the top 10 business credit cards for June 2025, helping you find the perfect option for your needs.

Why Choose a Business Credit Card?

A business credit card is designed to help business owners manage their expenses more effectively. Here are some reasons why applying for a business credit card might be the right choice for your business:

  • Separation of Personal and Business Finances: Keep your personal and business expenses distinct, making tax season much easier and more organized.
  • Cash Flow Management: Business credit cards provide a line of credit that helps you cover expenses during slow periods or when cash flow is tight.
  • Rewards and Perks: Many business credit cards offer cashback, points, or travel rewards, which can reduce operating costs or be used for business travel.
  • Building Business Credit: Responsible use of a business credit card can help you build your company’s credit score, making it easier to secure larger loans or lines of credit in the future.

Factors to Consider When Choosing the Best Business Credit Card

When choosing a business credit card, there are several important factors to consider:

  • Annual Fees: Some business credit cards come with an annual fee, but the best cards often offer rewards and perks that justify the cost.
  • APR: The annual percentage rate (APR) can impact how much interest you’ll pay if you carry a balance. Look for a card with a low APR if you plan to carry a balance.
  • Rewards Program: Consider whether the card offers cashback, travel points, or other rewards that align with your business spending habits.
  • Sign-up Bonuses: Many cards offer sign-up bonuses that can help you earn significant rewards within the first few months.
  • Additional Perks: Some cards come with valuable perks, such as extended warranties, purchase protection, and travel insurance.

Top 10 Business Credit Cards for June 2025

Here’s a breakdown of the top 10 business credit cards available in June 2025, based on their features, benefits, and pricing:

Credit CardKey FeaturesRewardsAPRAnnual FeeBest ForCustomer Rating
Chase Ink Business Cash® Credit Card5% cashback on the first $25,000 spent on combined categories5% on first $25k, 2% on others20.49%$0Businesses with varied spending4.8/5
American Express Blue Business Cash™2% cashback on the first $50,000 in purchases per year2% on first $50k, 1% on others19.99%$0Small businesses looking for simplicity4.7/5
Capital One Spark Cash for BusinessUnlimited 2% cashback on every purchase2% unlimited cashback21.99%$95 (waived first year)Businesses with large expenditures4.6/5
Ink Business Preferred® Credit Card3x points on travel, internet, phone, cable, and shipping3x points on select categories19.99%$95Businesses with travel needs4.8/5
Bank of America® Business Advantage Cash Rewards Mastercard®3% cashback on the category of your choice3% on selected category, 2% on gas20.24%$0Businesses with flexible rewards4.7/5
The Blue Business® Plus Credit Card from American Express2x points on the first $50,000 in purchases per year2x points on all purchases19.24%$0Small businesses earning travel rewards4.6/5
Wells Fargo Business Platinum Credit Card0% intro APR for the first 9 monthsNo rewards14.49%$0Businesses needing a 0% intro APR4.5/5
U.S. Bank Business Cash Rewards World Elite Mastercard®3% cashback on the first $2,500 in combined spending per quarter3% on select categories19.99%$0Businesses with moderate spending4.6/5
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®2x miles on American Airlines purchases2x miles on American Airlines21.24%$99Businesses with travel needs4.7/5
BBVA Compass Business Rewards Credit Card1.5% cashback on all purchases1.5% cashback18.24%$0Small businesses with steady cash flow4.5/5

1. Chase Ink Business Cash® Credit Card

The Chase Ink Business Cash® Credit Card stands out with its incredible 5% cashback on the first $25,000 spent in combined categories, such as office supplies and internet services. After reaching the limit, you earn 1% cashback on all other purchases. With no annual fee and excellent rewards for small businesses, this card is highly rated by business owners.

  • Key Features: 5% cashback on the first $25,000 in combined categories, 2% on the next $25,000, 1% on everything else.
  • APR: 20.49%
  • Annual Fee: $0
  • Best For: Businesses with varied spending
  • Customer Rating: 4.8/5

2. American Express Blue Business Cash™ Card

The American Express Blue Business Cash™ Card is perfect for small businesses seeking straightforward cashback. With 2% cashback on the first $50,000 spent annually, this card offers simplicity and solid rewards for daily expenses.

  • Key Features: 2% cashback on the first $50,000 in purchases per year, 1% on other purchases.
  • APR: 19.99%
  • Annual Fee: $0
  • Best For: Small businesses looking for simplicity
  • Customer Rating: 4.7/5

3. Capital One Spark Cash for Business

The Capital One Spark Cash for Business offers unlimited 2% cashback on every purchase, making it ideal for businesses that have consistent expenses. It also provides a sign-up bonus of $500 after spending $4,500 in the first three months.

  • Key Features: 2% unlimited cashback on every purchase, $500 bonus.
  • APR: 21.99%
  • Annual Fee: $95 (waived first year)
  • Best For: Businesses with large expenditures
  • Customer Rating: 4.6/5

4. Ink Business Preferred® Credit Card

The Ink Business Preferred® Credit Card offers 3x points on travel, internet, phone services, cable, and shipping. If your business frequently spends in these categories, this card can offer excellent rewards, along with a generous sign-up bonus.

  • Key Features: 3x points on select categories, 1x points on everything else.
  • APR: 19.99%
  • Annual Fee: $95
  • Best For: Businesses with frequent travel and operational expenses
  • Customer Rating: 4.8/5

Conclusion

When choosing the best business credit cards for June 2025, consider your business's spending patterns and financial goals. Whether you need high cashback rewards, travel perks, or a simple, no-fee option, there’s a business credit card that fits your needs. The top 10 business credit cards outlined here offer a variety of features and benefits, ensuring that your business can optimize its spending and maximize rewards.

Remember to carefully evaluate factors such as annual fees, APR, and rewards programs to find the best fit for your business. With the right business credit card, you can unlock valuable benefits that will help your company thrive.