Best Business Credit Cards for Startups in 2025
Published by Speed Credit
Table of Contents
- Why You Need a Business Credit Card (Even If You’re New)
- What to Look for in a Startup Business Card
- Top Business Credit Cards for Startups in 2025
- Cards With No Personal Guarantee (or Minimal Impact)
- Tips to Get Approved Even If You’re Just Starting
- Next Up: Business Funding Options for Bad Credit
Why You Need a Business Credit Card (Even If You’re New)
Business credit cards aren’t just for big companies—they’re one of the fastest ways to fund and grow a startup without mixing personal and business finances. With the right card, you can:
- Separate personal and business spending
- Build business credit fast
- Get rewards and cash flow flexibility
- Access higher limits than personal cards
What to Look for in a Startup Business Card
As a startup, your credit card should match your growth stage. Look for:
- No annual fee (or one that pays you back)
- Reports to business bureaus (D&B, Experian Business)
- 0% intro APR (ideal for funding upfront expenses)
- Cashback or travel rewards you’ll actually use
- Low or no personal guarantee if possible
Top Business Credit Cards for Startups in 2025
1. Brex Card – Best for High-Growth Startups
No personal guarantee, reports to business bureaus, rewards on everything. Requires a business bank account and revenue—not personal credit.
2. Chase Ink Business Unlimited® – Best Flat Rate Cashback
1.5% cashback on all purchases, 0% intro APR for 12 months, and a $750 welcome bonus. Does require a personal credit check.
3. Capital One Spark 1.5% Cash Select – Best for Simplicity
Unlimited 1.5% cash back, flexible redemptions, and $0 annual fee for the first year.
4. American Express Blue Business® Plus – Best for Points
2x Membership Rewards® points on the first $50K in purchases annually, 0% APR for 12 months.
5. Ramp Card – Best for Expense Tracking & Automation
No personal guarantee, powerful spend controls, and great for teams. Requires revenue and business account.
Cards With No Personal Guarantee (or Minimal Impact)
These are ideal if you want to keep your personal credit totally separate:
- Brex – No PG, based on business cash flow
- Ramp – No PG, strong automation tools
- Divvy – Based on business financials
- Stripe Corporate Card – Must be using Stripe, no PG required
Pro Tip: Build a few solid vendor trade lines before applying—it boosts your biz credit standing.
Tips to Get Approved Even If You’re Just Starting
- Register your business as an LLC or Corporation
- Get an EIN and business bank account
- Start with net-30 vendors that report
- Apply for business cards after 30–90 days of clean vendor history
You don’t need years of revenue to qualify—just structure, strategy, and a clean setup.
Next Up: Business Funding Options for Bad Credit
Got less-than-perfect personal credit? No worries. In the next article, we’ll walk through the best ways to get business funding with bad credit—from creative funding to revenue-based solutions.
