Best credit cards to build business credit 2025 — that’s the question every new entrepreneur eventually asks once the LLC is filed, the EIN is secured, and the business checking account is open. You’ve laid the foundation. Now it’s time to separate your personal credit from your business, earn rewards, and start building your company’s financial credibility.
Whether you want to keep your personal credit out of the drama, earn cashback, fund big purchases, or simply stop swiping your personal card for printer ink, this list of the best credit cards to build business credit 2025 will help you find the right fit for your goals.
But first…
Scripture for Smart Spending:
“Suppose one of you wants to build a tower. Won’t you first sit down and estimate the cost…?” – Luke 14:28 (NIV)
Wise entrepreneurs don’t just spend — they strategize. A business credit card can be a tool for growth, not debt, when used intentionally.
✅ What to Look for in the Best Credit Cards to Build Business Credit 2025
Before diving into the list, here’s what matters most when choosing a business credit card:
- ✅ No personal guarantee — keeps your personal credit safe.
- ✅ Reports to business credit bureaus — essential for building your business credit score.
- ✅ Rewards and perks — cashback, travel, or points.
- ✅ Low or no annual fee — keep costs down while you grow.
Top Picks: Best Credit Cards to Build Business Credit 2025
- Brex Card for Startups
Why it’s great:
Why it’s great: No personal guarantee, no credit check, and strong rewards for tech founders and funded startups.
Perks:
- Up to 8x points on ride shares, dining, and software
- No annual fee
- Integrates with QuickBooks and Xero
Best for: Funded startups, tech companies, early revenue.
Website: Brex
- Chase Ink Business Unlimited®
Why it’s great:
Why it’s great: Simple, flat-rate rewards and 0% intro APR.
Perks:
- 1.5% unlimited cash back on all purchases
- 0% intro APR for 12 months
- $750 welcome bonus (after spending $6,000 in 3 months)
Best for: New entrepreneurs wanting straightforward rewards.
Website: Chase Business Credit Cards
- American Express® Blue Business Plus
Why it’s great:
Why it’s great: High points potential for service-based business owners.
Perks:
- 2X points on up to $50K in purchases per year
- Expanded buying power (can spend beyond your limit, responsibly)
- 0% intro APR for 12 months
Best for: Consultants, coaches, agencies.
Website: American Express
- Capital One Spark 1.5% Cash Select
Why it’s great:
Why it’s great: No annual fee and straightforward cashback.
Perks:
- 1.5% unlimited cash back
- $500 intro bonus
- No annual fee
Best for: Everyday spenders who want simplicity.
Website: Capital One Small Business
- Divvy Smart Credit Builder
Why it’s great:
Why it’s great: Perfect for new businesses with little to no credit history.
Perks:
- No personal credit check
- Budgeting tools built in
- Reports to major business bureaus
- Flexible repayment terms
Best for: Startups, sole proprietors, side hustles.
Website: Divvy
Business Credit Tracking: Nav
| Card | Rewards | Annual Fee | Intro Offer | Best For |
| Brex Card for Startups | Up to 8x on rides, dining, software | $0 | N/A (no personal credit check) | Funded startups, early revenue |
| Chase Ink Business Unlimited® | 1.5% cash back on all purchases | $0 | $750 after $6K spend in 3 months | New entrepreneurs, flat rewards |
| Amex Blue Business Plus | 2x points on up to $50K/year | $0 | 0% APR for 12 months | Consultants, creators, agencies |
| Capital One Spark 1.5% Cash Select | 1.5% unlimited cash back | $0 | $500 after qualifying spend | Everyday spenders, simplicity |
| Divvy Smart Credit Builder | No rewards, but builds credit | $0 | No credit check needed | Beginners or poor credit |
Reflection Questions for 2025 Entrepreneurs
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Am I still using my personal card for business purchases?
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Do I have a card that matches my business stage and spending style?
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Am I leveraging credit as a growth tool — not a trap?
Final Word
Your business deserves to be treated like a business — not a side hustle or charity case. Choosing from the best credit cards to build business credit 2025 is one small step toward big stewardship and long-term growth.
Use your card with wisdom. Use it with purpose. And always, always build with God at the center.
Because faith + strategy = legacy — and when you choose from the best credit cards to build business credit 2025, you’re not just swiping; you’re setting your business up for favor and financial credibility.
Use this chart to compare the best credit cards to build business credit 2025 and choose the one that fits your spending habits, business needs, and credit goals.
Final Word: Build Business Credit God’s Way
Your business deserves to be treated like a business — not a side hustle. Choosing from the best credit cards to build business credit 2025 is one step toward stewardship, growth, and legacy.
Faith + strategy = financial credibility. Use your business credit card with wisdom, pay on time, and watch your company’s credit score grow.
✅ Call to Action
Download the Business Credit Setup Checklist to see what steps you’ve completed — and which ones to do next.
👉🏽 Grab the checklist here → Business Credit Setup Checklist
