The 5 best business rewards credit cards of July 2025

Business credit cards offer different rewards, perks, and tradeoffs, so the key is knowing which one matches how you spend. Identifying your top spending categories and company redemption preferences will help you find the card that'll deliver the most value for your business.

Cash back

Cash back business credit cards are the most straightforward rewards cards. You spend, you earn a percentage back, and you can use that cash however you want. Most business cash back cards offer between 1% and 5% back, with higher rates typically applying to specific spending categories like office supplies or advertising. Some cards offer flat rates across all purchases, which works well for businesses with diverse spending patterns.

Travel

Travel rewards cards cater to businesses with employees who frequently fly, book hotels, and entertain clients. The best business credit cards for travel typically earn 2x to 5x points on travel-related purchases and often include perks like travel insurance and no foreign transaction fees. Many also offer points transfer options to airline and hotel points programs, which can multiply your rewards value when redeemed strategically.

Points

Points-based cards offer the most flexibility. Unlike cash back or travel-specific rewards, points can often be redeemed in multiple ways, including statement credits, travel bookings, gift cards, billboards, or transfers to partner programs. The value of points varies depending on how you redeem them. These cards work well for businesses that want options for their rewards strategy.

Purchasing cards

Purchasing cards (p-cards) turn your procurement spend into a rewards opportunity. These cards let businesses earn cash back, points, or other rewards on everything from raw materials to software licenses. Rather than leave money on the table by paying suppliers through ACH or check, businesses can earn 1% to 2% back on those same transactions. Modern p-cards combine rewards programs with spending controls, letting you set limits by employee, vendor, or category while still capturing rewards on approved purchases.

Fleet

Fleet cards target businesses with vehicle expenses. These cards offer rewards and discounts on gas and maintenance while providing detailed reporting on driver spending, fuel efficiency tracking, and maintenance alerts. While the rewards rates might seem lower than general business cards, the specialized reporting and fleet management tools often deliver more value than the rewards alone. If vehicles are a major expense category, these specialized cards beat general-purpose options.

Co-branded

Co-branded cards partner with specific retailers, airlines, or hotel chains to offer rewards when you shop with that brand. This can include airline cards that offer free checked bags and priority boarding, or office supply store cards with 5% back on purchases. These cards can be valuable if your business has significant spending with a particular vendor. The tradeoff is that rewards drop significantly, sometimes to 1% or less, for purchases outside of the partner network.

When comparing business credit cards, the highest rewards rate doesn’t always mean it’s your best card option. The right card for your business depends on how the rewards structure aligns with your spending patterns and how easily you can use what you earn.

Category multipliers

Category multipliers can double or triple your rewards on specific types of purchases. Common bonus categories include travel, dining, software, shipping, and office supplies. Some cards rotate categories quarterly to offer bonus reward opportunities throughout the year.

The key is matching multipliers to your actual spending. A card offering 5x points on advertising sounds great, but only if you spend heavily on ads. Pull your expense reports from the previous year and identify your top spending categories. If 40% of your expenses go to travel and dining, a card with strong multipliers in those areas will outperform a card with higher rates on categories you rarely use.

Redemption options

How you can use your rewards matters as much as how you earn them. Cash back cards typically offer the most straightforward redemption, including statement credits or direct deposits. But that simplicity may mean you miss out on value.

Points and miles cards often provide multiple redemption paths. For instance, you may be able to redeem 10,000 points for $100 in statement credits, or transfer those same points to an airline partner for a flight worth $200. Some programs let you redeem for gift cards at a premium, getting $125 in value for those same 10,000 points.

Consider your redemption preferences before choosing a card. If you want to apply rewards directly to your business expenses, cash back or points cards work best. If you're willing to put in extra effort for higher value, cards with point transfer partners and travel portals can stretch your rewards.

Sign-up bonus

Welcome bonuses can jumpstart your rewards earnings, with some cards offering $1,000 or more in value after meeting spending thresholds. Most bonuses require spending between $3,000 and $15,000 within the first three months, while some extend the window to six months.

Before signing up for a card with a big bonus, make sure you can meet the spending requirement through normal business expenses. Manufactured spending like buying gift cards just to meet thresholds can violate card terms and lead to account closure. Also consider whether the annual fee offsets the bonus value, especially if the ongoing rewards don't match your spending patterns.

Look for bonuses you can achieve naturally. If your business spends $5,000 monthly, a card requiring $15,000 in three months works perfectly. But if you only spend $2,000 monthly, that same offer might push you to overspend just to earn the bonus.

1. Brex

The Brex corporate card offers businesses unlimited rewards on all spending, plus multipliers on popular expense categories, including rideshare, travel, restaurants, and software. With seamless integration into Brex’s expense management software, the Brex card allows businesses to earn on all of their spending while ensuring cash flow is properly tracked and managed.

Key details

• Rewards type: Points-based
• Annual fee: $0
• Rewards redemption options: Statement credit, cash back, travel, billboards, executive coaching, team offsites, and more
• Typical spending limit: 10-20x higher than traditional business credit cards

Key features of the Brex corporate card

• Powerful rewards: The Brex card earns points on all spending, with multipliers that match common business expenses. You'll earn 7x points on rideshare services, 4x on travel booked through Brex travel, 3x at restaurants, and 2x on software purchases.
• Partner perks: In addition to rewards, Brex provides valuable partner discounts that are worth up to $180,000. Customers can access up to $5,000 in AWS credits, save 30% on QuickBooks for the first year, and get up to 50% off UPS shipping rates. These perks alone can offset thousands in business expenses.
• Flexible redemption: Brex points work for virtually any business need. You can redeem for traditional options like cash back, statement credits, gift cards, or transfer points to airline miles for travel. Brex also offers the ability to use points for billboard advertising, helping companies stretch their marketing budgets in creative ways.
• Embedded spend controls: Every employee credit card can be embedded with customizable expense policies that prevent out-of-policy spending before it happens. Set limits based on amount, merchant category, department, or nearly any other parameter. The platform automatically routes transactions to the right managers for approval, maintaining control without creating bottlenecks.
• Automated expense reporting: Brex AI handles the time-intensive parts of expense management by automatically generating receipts, matching them to transactions, and categorizing expenses. In-policy spending is automatically approved, while unusual transactions are flagged for review. This automation can save finance teams hours of manual work each week.
• Purchase cards: Generate unlimited virtual cards for procurement spending, turning your largest expense category into a rewards opportunity. Each ghost card can have unique controls and automatically map to specific expenses. This solution is ideal for businesses to earn rewards on supplier payments while maintaining tight financial controls.
• High credit limits: With Brex, your business can access credit limits that are 10-20x higher than traditional cards. Brex evaluates applications based on your business performance and cash flow, rather than just credit scores, making high limits accessible to startups and other recently established businesses.

Who the Brex card is best suited for

The Brex corporate card is best for startups to enterprise-sized businesses looking to earn unlimited rewards across all categories with flexible redemption options. The combination of high limits without personal guarantees, automated expense tracking, and procurement card capabilities makes Brex ideal for fast-growing businesses that need their financial tools to scale with them.

2. TD Business Solutions Credit Card

The TD Business Solutions Credit Card is intended for small businesses looking to earn cash back on all purchases with no annual fee. With this business credit card, businesses can earn 2% cash back on all purchases and don’t need to track rotating spend categories or other limits.

Key details

• Rewards type: Points-based
• Annual fee: $0
• Rewards redemption options: Cash back, gift cards, merchandise, and travel
• Typical spending limit: Minimum limit of $500

Key features

• Flat-rate cash back on all purchases
• No annual fee
• Add employee cards for no cost
• Sign-up bonus

Who this card is best suited for

The TD Business Solutions Credit Card is ideal for small to midsize businesses that want a simple rewards system, avoid unnecessary fees, and earn cash back on everyday spending.

3. BILL Divvy Card

The BILL Divvy Card allows businesses to earn rewards on all of their spending while tracking expenses within the Bill expense management platform. The BILL Divvy card offers businesses multipliers on popular expense categories, including restaurants, hotels, and software, but the multipliers vary based on the billing cycle length.

Key details

• Rewards type: Points-based
• Annual fee: $0
• Rewards redemption options: Cash back, statement credit, travel reimbursement, gift cards
• Typical spending limit: $1,000 to $5 million

Key features

• Reward multipliers for the first $5,000 spent in a month
• Earn rewards for all other spending
• Integration with expense management tools
• Relatively high spending limit

Who this card is best suited for

The Bill Divvy Card is best for small businesses that prioritize expense control and budgeting over maximizing rewards rates. Businesses that won’t exceed the $5,000 monthly limit on reward multipliers will see the most benefit from this card.

4. Bank of America Business Advantage Unlimited Cash Rewards Mastercard Credit Card

The Bank of America Business Advantage Unlimited card offers businesses a simple 1.5% cash back on all purchases. This straightforward approach appeals to businesses that want consistent rewards without the hassle of optimizing spending across multiple cards.

Key details

• Rewards type: Cash back
• Annual fee: $0
• Rewards redemption options: Deposit, statement credit, check
• Typical spending limit: Not disclosed

Key features

• No annual fee
• Earn rewards on all spending
• 0% intro APR for nine billing cycles
• Bank of America banking customers can earn more rewards

Who this card is best suited for

The Bank of America Business Advantage Unlimited Card is best for businesses that are current Bank of America customers and want a straightforward rewards card. If your expenses are spread evenly across travel, supplies, services, and operations, the 1.5% rate can give your business valuable cash back.

5. Evergreen by FNBO Business Edition Visa Card

The Evergreen by FNBO Business Edition Visa Card allows businesses to earn 2% cash back on all purchases without limits or category restrictions. This card also offers a sign-up bonus and 0% APR for six billing cycles.

Key details

• Rewards type: Points-based
• Annual fee: $0
• Rewards redemption options: Merchandise, gift cards, travel, statement credit, deposit, check
• Typical spending limit: $50,000

Key features

• Earn 2% cash back on all spending
• No annual fee
• 0% intro APR for six billing cycles
• Auto rental insurance

Who this card is best suited for

This Evergreen by FNBO card is best for small businesses looking for a business credit card with no-nonsense rewards and other perks like a 0% intro APR period.

Getting a rewards card is the beginning. The real value comes from using it strategically to capture rewards on every transaction without overspending and avoiding common pitfalls that leave money on the table.

Strategic spending

Smart businesses funnel all possible expenses through their rewards cards, and in most cases, this means more than just office supplies and travel. Consider putting recurring subscriptions, insurance premiums, vendor payments, and even taxes on your card when possible. Many businesses miss out on rewards by paying via ACH or check.

Timing major purchases around new card applications can also knock out spending requirements. For instance, if you need new equipment, you can use those purchases to qualify for a sign-up bonus. And if you have a card with multipliers for specific categories, ensure that your spending matches those categories to maximize rewards.

Maximize the welcome bonus

Welcome bonuses are a fast way to earn rewards, often equaling months or years of regular spending, but timing matters. Before applying, plan out your upcoming expenses to ensure you'll hit the threshold naturally.

Consider prepaying expenses if you're close to the deadline. Annual software subscriptions, insurance premiums, and bulk supply orders can push you over the threshold without creating waste. Some businesses can also prepay advertising spend or add funds to vendor accounts.

Track your progress carefully. Many issuers don't show real-time progress toward bonus requirements, so keep your own records. Missing a bonus by $100 because you miscounted is painful when you've already spent $14,900 of a $15,000 requirement.

Give cards to employees

Most issuers offer business credit cards for employees for free, and those purchases earn rewards just like your own spending. Every lunch, client meeting, and travel expense your team charges earns points for your business. Before issuing employee cards, set clear expense policies about which expenses can be put on company cards. Using cards that allow you to embed custom spend controls will help employees spend confidently while remaining in-policy.

Modern spend management software integrates with employee cards to automate receipt collection and categorization. This combination gives you rewards plus cleaner books, making employee cards valuable beyond just the points they earn.

Understand rewards categories

Rewards categories often hide opportunities in their definitions. Travel might include parking garages, tolls, and even some rideshare services. Telecommunications could cover your internet service, phone bills, and software subscriptions. Read the fine print to understand exactly what qualifies.

Some businesses restructure spending to maximize category bonuses. If your card offers 4x points on travel but only through a specific travel platform, be sure to properly set up that platform so employees can use it.

Be mindful of category caps. That 5% cash back on office supplies might cap at $25,000 annually. Once you hit the limit, you can switch to another card for those purchases. If you anticipate hitting those category limits frequently, look for a business credit card that doesn’t set limits on earning rewards.

P-cards to earn on procurement spend

P-cards open rewards opportunities on your procurement spend. While businesses may assume they can't earn rewards on supplier payments, inventory purchases, or raw materials, modern p-card programs let you earn rewards on procurement spend. For many companies, procurement spending is a significant portion of their total expenses.

For instance, a business spending $500,000 annually on procurement could earn $5,000 in rewards by switching from check or ACH payments to virtual business credit cards. Even after accounting for potential vendor processing fees, businesses can come out ahead.

While rewards cards can be compelling, other types of business credit cards might make more sense than ones that only earn you points and cash back.

High limit

High-limit business credit cards cater to companies with substantial monthly expenses or those making large purchases regularly. These cards typically offer credit limits of $50,000 to $500,000 or more, compared to standard business credit cards that might cap at $25,000.

The higher limits help in several ways. You maintain a lower credit utilization ratio, which helps establish your business credit fast. You can make large purchases without splitting them across multiple cards or waiting for payments to clear, and you have breathing room for unexpected expenses or opportunities.

The best high limit business credit cards still offer rewards, though rates might be slightly lower than specialized rewards cards. The tradeoff is worth it if you regularly bump against credit limits or need to maintain significant floating balances. Some issuers determine limits based on your revenue and bank balances rather than just credit scores, making them accessible to newer businesses with strong cash flow.

Secured

Secured business credit cards require an upfront deposit that becomes your credit limit. New businesses without established credit histories can use secured cards to start building payment history. Companies recovering from past financial difficulties can demonstrate improved financial management. Some secured cards even offer modest rewards programs, typically around 1-2% cash back.

The best secured business credit cards report to business credit bureaus and offer paths to upgrade to unsecured cards after demonstrating responsible use. Look for cards that return your deposit when you upgrade rather than requiring you to close the account. This preserves your credit history length, which factors into credit scores.

No credit check

No credit check business cards approve applications based on business revenue and bank account history rather than credit scores. They're particularly valuable for businesses with strong revenue but challenged credit, or for owners who want to keep business and personal credit completely separate.

These cards typically connect to your business bank account and analyze cash flow to determine approval and limits. The best no credit check business credit cards offer rewards, although the rewards can be at lower rates than traditional cards. The bigger benefit is access to credit without hard inquiries on your credit report.

Keep in mind that some no credit check cards often come with higher fees or interest rates. They might charge monthly fees instead of annual fees, or include processing fees for purchases. Calculate the total cost against the value of having access to credit and potentially earning rewards.

EIN-only

EIN-only business credit cards use only your Employer Identification Number for approval, without pulling personal credit or requiring a personal guarantee. The best EIN-only business credit cards offer complete separation between business and personal finances.

The application process for these cards differs from standard business cards. You'll need to provide extensive business financial documentation, including tax returns, bank statements, and financial statements. Approval depends entirely on your business's financial strength rather than your personal credit history. While rewards programs exist on these cards, the primary value lies in the complete separation of business and personal credit liability.

The best way to redeem business credit card rewards will depend on your business needs and your card. How you redeem points can be the difference between getting $1,000 or $2,000 in value from the same points balance. Smart redemption strategies help you extract maximum value from every point, mile, or percent back you earn.

Statement credits offer the simplest redemption path, allowing you to apply rewards directly against your card balance. Most programs value points at one cent each for statement credits, making the math straightforward: 100,000 points equals $1,000 off your bill. This option works well for cash flow management and requires little effort.

Direct deposits take cash back one step further by moving rewards straight to your business bank account. This lets you use rewards for expenses beyond your credit card bill, like payroll or rent. Some cards even offer bonuses for choosing direct deposits over statement credits.

Travel redemptions typically offer the highest value per point, especially when booking through card issuer portals or transferring to partner airlines and hotels. Those same 100,000 points worth $1,000 as a statement credit might book $1,500 in flights or $2,000 in business class tickets. The complexity increases, but so does the value.

Gift cards present a middle ground between simplicity and value. Many programs offer gift cards at a discount. Business-friendly options like Amazon, office supply stores, or restaurant chains can offset real expenses while providing 10% to 20% better value than statement credits.

Strategic timing can amplify redemption value since there are corporate credit card programs that run limited-time promotions offering 20% to 50% bonuses on specific redemption types. Airlines and hotels frequently offer transfer bonuses, turning 100,000 credit card points into 130,000 airline miles.

Points-based business credit cards offer the most rewards flexibility. Unlike cash back cards locked into dollar values or travel cards restricted to flights and hotels, points programs allow you to adapt your redemption strategy as your business needs change.

The flexibility shows up in several ways. If you need to boost cash flow one month, you can convert points to statement credits. Or, if you’re planning an in-person company event, you can use your points for travel. And if you want to reward employees, points can be redeemed for gift cards. This adaptability makes points cards particularly valuable for businesses with changing needs or seasonal spending patterns.

Points cards also protect against devaluation better than single-brand cards. When one airline raises award prices, you can shift to another partner. When hotel programs devalue, you pivot to statement credits. This diversification protects the value of your rewards over time.

The best flexible programs also pool points between employee cards and allow for instant transfers to partners. This combination lets you accumulate meaningful balances quickly and use them when opportunities arise. Whether that's booking last-minute travel for an important client meeting or taking advantage of a limited-time transfer bonus, flexibility means being ready to maximize value whenever it appears.

The best business credit cards include employee cards at no extra charge, and they earn rewards at the same rate as your primary card. Every purchase your team makes contributes to your total rewards balance, whether they're buying office supplies or booking travel.

The free employee card standard applies across major issuers, including Brex. Other card issuers limit you to a certain number of free cards, while some offer unlimited employee cards. Premium cards with annual fees usually include more employee cards in their base offering.

A few exceptions exist. Some co-branded cards charge $25 to $50 annually per employee card, particularly airline and hotel cards that include perks like free checked bags or room upgrades. Secured cards might require additional deposits for employee cards.

Whether or not business credit card rewards points expire depends on your card issuer and program type. Many major business credit card rewards don't expire as long as your account remains open and in good standing. Brex along with other issuers follow this no-expiration policy.

Similarly, cash-back rewards almost never expire. Once you've earned cash back, it's yours until you redeem it or close your account. This makes cash back programs particularly attractive for businesses that accumulate rewards slowly or prefer to save up for larger redemptions.

To protect your rewards, understand your program's specific rules. Keep accounts active with small monthly purchases if needed. Most importantly, have a redemption strategy rather than hoarding points indefinitely. Even non-expiring points lose value to inflation and program devaluations over time.

These common errors cost companies thousands in lost rewards value every year, but they're avoidable with basic awareness and planning.

Carrying a balance

Carrying a balance can cost you dearly. When you’re paying an APR of 18% on your balance, you completely negate your 2% cash back. Carrying a $10,000 balance at 18% APR costs $150 monthly in interest, which almost completely wipes out all purchases at 2% cash back. Always pay your full balance to keep rewards profitable.

Chasing sign-up bonuses

Chasing sign-up bonuses without a plan can backfire. Opening multiple cards simultaneously can tank your credit score, making future financing more expensive. If you apply for cards and can't meet the spending requirements, you may end up with wasteful purchases or costly manufactured spending. Space applications out, and only pursue bonuses you can achieve through regular business expenses.

Ignoring annual fees

Annual fees can quickly wipe out any rewards benefits. If you’re applying for a premium card with high annual fees, be sure to calculate whether or not you’ll offset the fee with the rewards you’ll earn. Many businesses pay premium fees while spending too little to offset them.

Letting rewards devalue

Letting rewards devalue shows poor cash management. Points sitting unused for years lose purchasing power to inflation and program changes. Treat rewards like any other business asset by using them strategically but not hoarding them indefinitely.

Mixing personal and business expenses

Mixing personal and business expenses creates accounting challenges and potential tax issues. In addition to compliance problems, it can also mean missing out on rewards. Personal cards rarely match business card earning rates, and you lose valuable business credit building opportunities. Keep expenses separate, even if it means carrying an extra card.

Failing to educate employees

You don’t want to miss out on rewards and stir up compliance issues because employees don’t understand their card policies. When team members don't know how to use their company card, or they pay vendors directly instead of using company cards, rewards disappear. Create simple guidelines and make it easy for employees to maximize rewards on every purchase.

Finding the right business credit card rewards program starts with understanding your actual spending and not what you think you spend.

• Pull your expense data from the last 12 months and categorize your expenses. While you may think most of your spend is related to travel, you may discover you spend more on software subscriptions. This is important to discover before applying for a business credit card.
• Match your spending patterns to the strengths of each card. A card offering 3x points on restaurants would generate 180,000 points on that $60,000 spend, versus just 60,000 points with a flat-rate card. Run this calculation for each major category to identify which bonus structures deliver the most value.
• Consider your redemption preferences. Cash-focused businesses should prioritize cash back programs with simple redemption options. Companies that travel frequently get more value from flexible points programs with airline transfer partners. If you struggle to track complex redemption strategies, stick with straightforward cash back, even if travel points can offer more value.
• Factor in your business stage and cash flow needs. Startups watching every dollar might prefer the best business credit cards with no annual fee with flat-rate rewards. Established businesses with predictable high spending can justify premium cards with high annual fees if the enhanced rewards and benefits offset the cost.
• Evaluate the total package, not just rewards rates. Employee card costs, foreign transaction fees, purchase protections, and expense management tools all affect the true value. A card earning 0.5% less but offering superior automated expense reporting and tracking might save more money through improved financial controls than you'd gain from higher rewards.

Overall, the best rewards program for your business is the one you'll actually use optimally. A complex travel rewards program means nothing if you don't have time to manage transfers and redemptions and a category bonus card delivers no value if you forget to use it for those purchases. Choose a program that fits both your spending patterns and your bandwidth for management.

Business credit cards for rewards can vary between issuers, with each serving different company needs. The best programs offer strong category multipliers and flexible redemption options that match actual business spending patterns. Smart rewards strategies include maximizing welcome bonuses, using employee cards, leveraging procurement spending through P-cards, and avoiding common pitfalls like carrying balances or paying unnecessary annual fees.

The Brex card is the best business credit card for rewards, offering points on all spending with generous multipliers on popular categories like 7x for rideshare, 4x for travel booked through Brex, 3x on restaurants, and 2x on software. Its flexible redemption options go beyond traditional cash back and travel to include unique business-building perks like billboard advertising and offsite planning.

Brex offers additional advantages through its integrated, comprehensive expense management software. The Brex platform provides businesses a unified platform to manage and control all spending, from bill pay to travel and expense management software. Along with built-in accounting automation software, Brex delivers rewards within a complete financial management platform.

For Goody, a corporate gifting platform, switching to Brex cards helped accelerate growth. Brex rewards have offset the cost of company offsites while the Brex virtual cards have automated crucial parts of their ordering process.

“We're an all-remote company. And over the past few years, we’ve used our cash back to pay for our offsite,” said Katy Carrigan, CEO of Goody. “It's such a critical event for our employees, their morale, and retention that there’s so much ROI from being together for a week.”

“Our relationship with Brex started with rewards, but it has gone beyond that,” Katy added. “I appreciate the way Brex does business and supports our business. People buy from other people, and with the level of service we’ve received from Brex, I feel confident we’re going to help each other grow.”

Sign up for Brex today to earn rewards on all your spend while streamlining expense management.