The 5 best business charge cards in June 2025

A business charge card is a payment card issued specifically for company use that allows employees to make purchases that must be paid in full at the end of each billing cycle. Unlike credit cards, business charge cards can have fluctuating spending limits and require full payment when the statement comes due. There is no option to carry a balance from month to month.

These cards are designed with business operations in mind, often featuring robust expense management tools, employee card controls, and business-specific rewards programs. Providers such as Capital One, American Express, BILL, and Brex offer business charge cards tailored to different types of companies, from small firms to large corporations.

The repayment structure of business charge cards encourages disciplined financial management while providing the flexibility needed for unpredictable business expenses. Since the balance must be paid in full each month, these cards are best suited for organizations with reliable cash flow that can confidently manage their expenses without carrying debt.

Business charge cards offer advantages that can boost your company's financial operations and provide value beyond purchasing power. These key benefits make these cards attractive to founders and owners.

Control spend through integrated expense management

Many business charge cards allow businesses to track and monitor spending through robust expense management capabilities. With this software, businesses can monitor employee spending in real time, and spending stays under control through custom expense policies and approval workflows. Many cards also allow you to digitally add notes or receipts to transactions, simplifying expense reconciliation and eliminating the need for physical receipt storage.

These spend management platforms also automatically categorize expenses, generate detailed spending reports, and integrate with accounting software like QuickBooks or Xero. This level of integration can save your accounting team countless hours and reduce the likelihood of expense reporting errors.

Access higher credit limits

Unlike traditional business credit cards with fixed credit limits, business expense cards can have spending limits that increase based on your payment history, business revenue, and other financial factors. This flexibility can be invaluable for growing businesses that need credit limits that reflect their performance and projections.

With a credit limit that is determined by your company's financials, you're less likely to face declined transactions for critical operations. However, this doesn't mean unlimited spending. In many cases, there is still a hard limit for monthly spending that your business won’t be able to exceed. Still, the higher practical limits on charge cards provide greater purchasing power when compared to conventional credit cards with preset limits.

Earn rewards for business spending

Business charge cards typically offer rewards programs that give companies points for spending. These reward structures often provide accelerated points or cash back in categories where you spend the most, such as software, advertising, shipping, travel, and internet services.

Depending on the card and the multipliers, these rewards can be valuable for companies when redeemed for travel, statement credits, or other benefits. Additionally, many business charge cards offer other perks and partner benefits that can be worth hundreds or even thousands of dollars when certain spending thresholds are met within the first few months.

Build your business credit profile

Using a business charge card responsibly helps establish and strengthen your company's credit profile independently from your personal credit history. Most business charge card issuers report account activity to major business credit bureaus like Dun & Bradstreet, Experian Business, and Equifax Business, so maintaining timely payments can help improve your business credit scores.

A strong business credit profile can lead to more favorable terms on future financing and improved relationships with vendors and suppliers. Since business charge cards require full payment each month, using them responsibly demonstrates your company's ability to manage its finances effectively. This separation between personal and business credit also helps protect your personal credit score from being impacted by your company.

The primary distinction between business charge cards and credit cards is the repayment requirement. Business charge cards require full payment of the balance at the end of each billing cycle, whereas credit cards allow you to carry a balance from month to month by making minimum payments and accruing interest on the remaining amount. This fundamental difference determines how these financial tools function within your operations.

Charge cards typically offer more flexible spending limits that adapt to your business needs, while credit cards come with fixed credit limits that can only be increased through a formal, often lengthy request process through your financial institution. Additionally, charge cards often feature more comprehensive expense management tools and business-specific benefits, though they may come with higher annual fees compared to credit cards.

Below are the five best business charge cards, including their key benefits and who each card is best suited for.

1. Brex corporate card

The Brex corporate card is a powerful charge card that enables companies to spend globally while enforcing expense policies on a granular level. The Brex card typically offers higher credit limits and seamlessly integrates into its expense management software, ensuring that all your spending, budgets, and receipts can be managed in one place.

Details

• Annual fee: $0
• Foreign transaction fee: 0%
• Personal guarantee required: No
• Minimum credit score requirement: No personal credit check required
• Typical spending limit range: Up to 20x higher than traditional cards, based on cash balance and revenue

Key benefits

Integrated expense management: Brex charge cards integrate seamlessly with Brex’s expense management software, giving companies control over and visibility into spending. Brex automatically reconciles expenses, automates accounting functions, and syncs all spending with your ERP system in real time. The Brex platform provides a unified solution for spend management, enhancing cash flow management and eliminating traditionally manual workflows, allowing businesses to spend smarter and move faster.

Spend controls: With Brex charge cards, finance teams can build and embed custom expense policies into each card, ensuring that employees stay within the rules and budget. These rules can restrict spending based on amount, category, merchant, department, or nearly any other parameter. Once employees make a purchase, Brex AI reviews and approves in-policy expenses while flagging anomalous charges for manual review. Brex’s automated approval workflows adapt to your organizational hierarchies and policies. Parameters can vary by amount, vendor, and other categories, and Brex routes transactions to the right approvers automatically.

High credit limits: With Brex, companies qualify for credit limits that are up to 20x higher than traditional business credit cards. That’s because Brex evaluates applications based on financial performance, including bank account balances, cash flow statements, and income statements, not personal credit or financials. Companies can access credit limits that are up to 40x higher by using a Brex business banking account. With access to checking and treasury accounts, companies can easily transfer funds while earning a high yield on idle cash with same-hour liquidity. These comprehensive features help establish why many consider this the best business banking account for modern enterprises, especially with deposits covered by up to $6 million in FDIC insurance.

Rewards and partner perks: With Brex, your organization can earn rewards for all of its spending, plus earn additional rewards for frequent business expenses, including 7x for rideshare, 4x on Brex travel, 3x on restaurants, and 2x for software purchases. Points earned with your Brex card can be redeemed for anything from cash back and airline miles to billboards and company offsites. Brex also offers partner perks, which are worth up to $180,000. Companies can earn up to 3x back on Apple purchases, AWS credits, and discounts on QuickBooks and UPS.

Establish a business credit score: The Brex charge card doesn’t require your personal credit score or any personal guarantees to qualify, allowing you to separate your personal finances from your business. As a result, as you make consistent, timely payments on your Brex card, you’ll establish your business credit score and profile since Brex reports payment history to Experian, Dun & Bradstreet, and Equifax.

Who is this card best for?

The Brex charge card is best for companies that are looking to access high credit limits and maintain control over spending. Because the Brex charge card comes with integrated expense management, businesses have full visibility into all of their cash flow in one place, simplifying and streamlining their financial stack.

2. The Plum Card from American Express

The Plum Card from American Express is a charge card that provides extended repayment periods and no preset spending limit. With the Plum Card, companies can defer repayment for up to 60 days with no interest by paying the minimum due at the end of the billing period.

Details

• Annual fee: $250
• Foreign transaction fee: 0%
• Personal guarantee required: Yes
• Minimum credit score requirement: Generally 690+
• Typical spending limit range: N/A

Key benefits

• 1.5% cash back on balances repaid early
• No preset spending limit
• Up to 60 days to repay balances with no interest
• Add up to 99 employee cards for no additional fee

Who is this card best for?

The Plum Card from American Express is best for businesses that want to take advantage of the extended repayment periods with no interest. For organizations with uneven cash flow, this extended repayment can reduce fluctuations in funds.

3. Capital One Spark Cash Plus

The Capital One Spark Cash Plus is a charge card that gives 2% cash back on all purchases and has no preset spending limit.

Details

• Annual fee: $150
• Foreign transaction fee: 0%
• Personal guarantee required: Yes
• Minimum credit score requirement: Excellent
• Typical spending limit range: N/A

Key benefits

• Cash back rewards on purchases
• Basic expense tracking tools
• Downloadable purchase records for bookkeeping
• Integrations with select software providers

Who is this card best for?

Capital One Spark Cash Plus delivers straightforward cash back across all spending categories, potentially making it a good fit for small businesses that don’t need a customized reward structure or broader financial management tools that more sophisticated platforms such as Brex offer. The card advertises no predetermined spending limit, but this shouldn't be mistaken for universal high-limit access. Actual purchasing capacity fluctuates monthly depending on variables including payment record and expenses, possibly creating challenges for companies whose spending needs vary throughout the year.

4. Nav Prime Card

The Nav Prime card is a charge card intended to help small businesses establish their business credit score while earning cash back. Approvals are based on company health and don’t require credit checks or personal guarantees.

Details

• Annual fee: $49/month (includes Nav Prime membership)
• Foreign transaction fee: 0%
• Personal guarantee required: No
• Minimum credit score requirement: No strict minimum; approval based on overall company health and Nav internal score
• Typical spending limit range: $1,000 to $10,000 initially, with potential increases based on usage and payment history

Key benefits

• Can help businesses build credit
• No required personal guarantee
• Nav Prime membership

Who is this card best for?

The Nav Prime Card is best for new or small businesses that want to build business credit and can repay their card daily. Since the card doesn’t require a personal credit check, a personal guarantee, or a security deposit, new businesses tend to benefit the most from the Nav Prime card.

5. BILL Divvy corporate card

The BILL Divvy card is a charge card that integrates into the BILL expense management platform.

Details

• Annual fee: $0
• Foreign transaction fee: 1%
• Personal guarantee required: May require personal guarantee for companies without strong financials
• Minimum credit score requirement: 670+
• Typical spending limit range: $1,000 to $5M

Key benefits

• Integrated expense management
• No annual fee
• Physical and virtual cards

Who is this card best for?

The BILL Divvy card is best for small to mid-sized organizations with established personal and business credit scores. Companies looking for basic card functionality at no cost may also benefit from the BILL Divvy card, but those looking for more advanced features will need to pay a monthly subscription fee.

Finding the right business charge card requires careful consideration of your company's specific needs and financials. The best option for your company will depend on several key factors. Here's what to evaluate when comparing charge cards.

High credit limits

When choosing a business charge card, consider your company's typical spending volume and any seasonal fluctuations that might require increased purchasing power. The top business credit cards provide flexibility for your company's actual spending needs rather than imposing artificial constraints.

Look for cards that increase limits based on your company revenue and payment history, grow spending capacity as your business expands, accommodate occasional large purchases without requiring pre-approval, and provide transparent information about how spending capacity is determined. Cards with high spending limits can help you optimize cash flow, eliminate the stress of declined transactions during critical periods, and support your company through various growth stages.

No personal guarantee requirement

Traditional corporate cards often require founders or business owners to provide a personal guarantee, meaning you're personally liable for any unpaid company debt. However, some modern business charge cards don’t have this requirement, allowing you to separate your company’s performance from your personal financials.

Benefits of corporate credit cards without personal guarantees include protecting personal assets from business liabilities and reducing personal credit risk when scaling company operations. This can ultimately allow your organization to establish its credit profile and develop stronger relationships with vendors and other lenders.

Valuable and flexible rewards

The rewards structure of a business charge card can significantly impact its overall value to your company. The best cards align their rewards with your company’s actual spending patterns rather than offering generic benefits.

When evaluating corporate card rewards programs, consider whether bonus categories match your highest spending categories, the redemption options fit your company’s needs, and that your business can redeem points without complex restrictions. A carefully chosen rewards program can generate thousands of dollars in annual value for organizations with substantial spending, possibly offsetting card fees and helping grow your company faster.

Minimal fees

While business charge cards can carry annual fees, the overall fee structure varies considerably between offerings. A card often charges more than just an annual fee, making it important to consider the costs associated with each card your organization is considering.

For instance, if you do business internationally and are charged FX fees when using US-issued cards, look for providers that issue cards in other currencies or charge minimal FX fees. Other costs that charge card providers may impose include fees for additional employee cards, late payments, and statement or other documentation requests. Some charge cards offer fee waivers for the first year or reduced fees based on spending thresholds, which can help offset initial costs while you evaluate the card's benefits for your company.

Robust spend management platform

A comprehensive spend management software can transform how your company handles expenses and its financial oversight. The best business charge cards come with powerful software tools that go beyond basic transaction tracking to provide complete visibility and control over company spending.

Look for business charge cards that offer real-time transaction notifications, customizable spending controls for different departments or employees, automated receipt matching, accounting automation software, and detailed spending analytics. These tools can significantly reduce the time spent on expense management while providing financial insights and helping prevent unauthorized spending. When evaluating business charge cards, consider how their management platforms will integrate with your existing systems and whether they provide the specific features most meaningful for your company's expense tracking needs.

For startups to enterprises, Brex offers the best business charge card. With Brex, companies get a global card that integrates seamlessly with powerful expense management, travel, bill pay, and business banking solutions.

The Brex business charge card gives companies access to credit limits that are 10-20x higher than traditional credit cards, providing critical spending power required for growth. Unlike conventional card issuers, Brex evaluates companies based on their financial performance and cash flow rather than personal credit scores, making it easier for organizations to secure the credit capacity they need to scale.

With the Brex spend management platform, high credit limits don’t mean losing control of spending. Companies can embed custom expense policies into employee credit cards and automate expense reporting processes, reducing time-consuming manual oversight.

For growing companies like Heirloom, a direct air capture company, using Brex allowed the startup to control spending while continuing to grow. “Now we can tell if we're spending money in the right ways. We can monitor spending by budget and assess if we're on track,” says Candice Chow-Gamboa, Chief of Staff at Heirloom. “Brex allows us to give people the ability to self-serve and to manage their spend while providing guardrails, and has everything we need as we grow.”

As companies like Heirloom continue to spend on the Brex card, they earn business-building rewards. Brex allows you to earn rewards on all spending and offers multipliers on popular business expenses such as software and rideshares. And with no annual fees, ACH payment fees, and wire transfer fees, unnecessary costs don’t decrease the value of those rewards.

Sign up for Brex today and join 30,000+ global companies using Brex’s high credit limits and powerful spend controls to spend smarter and grow faster.