Choosing the best business credit cards for startups in 2025 is simpler once you match the right card to your cash-flow needs, credit profile, and growth plans. This guide lists up-to-date June 2025 offers, real-world use cases, and clear warnings so you can decide fast.
Quick Decision Table
| If you… | Pick this card |
| Need 0 % intro APR to float early expenses | Amex Blue Business Plus |
| Refuse a personal guarantee | Brex Card or Ramp Card |
| Have average credit and just formed an LLC | Capital One Spark 1% Classic |
| Run a VC-funded tech startup with high ACH/wire volume | Mercury IO Card |
| Spend evenly across categories and want cash back | Chase Ink Business Unlimited® |
Top Cards in Detail (June 2025)
| Card | Key Perks (as of 6/2025) | Typical APR / Fees |
| Chase Ink Business Unlimited® | 1.5 % cash back on everything, 0 % APR for 12 mo, no annual fee | 18.49 %–24.49 % V |
| Brex Card | No personal guarantee, up to 7× points on software and rides, auto-syncs with QuickBooks | Charge card — balance auto-clears monthly |
| Amex Blue Business Plus | 0 % APR 12 mo, 2× points on first $50 k/yr, no fee | 18.24 %–26.24 % V |
| Capital One Spark 1 % Classic | Approves fair credit, 1 % cash back, reports to business bureaus | 29.99 % V, no annual fee |
| Ramp Corporate Card | No credit check, spend controls, auto-categorised expenses | Charge card — pay in full |
Real-World Use Cases
- New SaaS founder with $200 k seed money → Brex or Ramp keeps your personal score out of it.
- Solo marketer billing clients on Stripe → Novo banking + Amex Blue gives 0 % float and 2× points on software.
- Retail LLC with patchy credit → Spark Classic starts a business file while you rebuild personal scores.
Common Mistakes (Avoid these!)
- Applying for three cards in one week. Each pull lowers approval odds.
- Ignoring the personal guarantee clause. Brex and Ramp skip it; most others don’t.
- Mixing personal and business spend. Hurts bookkeeping and taxes.
- Carrying a balance past the intro period on high-APR cards.
Building Business Credit
Use your first card to open trade lines, keep usage under 30 %, and pay early. Pair the card with a dedicated account—if you haven’t opened one yet, see how to open a business bank account in the US. Once an account is live, compare best business bank accounts for startups to keep fees down.
Card-by-Card Details & CTAs
Chase Ink Business Unlimited®
0 % APR, flat 1.5 % cash back. Good starter for broad spend.
→ Apply for Chase Ink Business Unlimited
Brex Card
No personal guarantee, rich multipliers on software and rides.
→ Open a Brex account
Amex Blue Business Plus
0 % intro APR and 2× Membership Rewards on the first $50 k.
→ Start Amex Blue Business Plus
Capital One Spark 1 % Classic
Designed for fair credit; reports monthly to D&B and Experian Biz.
→ Apply for Spark Classic
Ramp Corporate Card
Requires healthy bank balance, not credit. Great spend control.
→ Get Ramp for your startup
Final Word
Pick one card that matches your earliest cash-flow pain, set payment alerts, and use it to build history. When revenue scales, layer a second card for category rewards or higher limits, and take advantage of the benefits.
