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Starting a new business is exciting — but setting up your finances smartly is crucial for long-term success. A good business credit card can help you manage expenses, build credit, earn rewards, and simplify recordkeeping.
In this guide, we’ll explore the best business credit cards for new businesses, what to look for before applying, and how Manage Receipt can help you manage all your spending and receipts seamlessly.
When your business is just starting out, the right card can offer flexibility and financial breathing room. Here’s what you should evaluate before choosing one:
Approval Requirements – Some cards cater to businesses with little or no credit history.
Rewards & Cashback – Look for cards offering cashback or points on relevant categories like office supplies, advertising, fuel, or software.
Introductory Offers – 0% APR or sign-up bonuses can be valuable when you’re managing startup expenses.
Annual Fees – Low or no annual fees are ideal for startups managing cash flow.
Expense Reporting Tools – Choose a card that provides easy digital statements and can integrate with expense tracking apps like Manage Receipt.
When you’re launching a new business, finding the right credit card can make a big difference in how you manage cash flow, rewards, and expenses. Here are some of the most popular and trusted business credit cards for startups and small companies in 2025.
The Chase Ink Business Unlimited® card is an excellent all-round choice for new entrepreneurs. It offers a flat-rate cashback on every purchase, no annual fee, and a generous sign-up bonus — perfect for those managing early business expenses.
Next, the American Express Blue Business® Plus card is great for simplicity and flexibility. With its straightforward rewards program and introductory APR benefits, it’s ideal for startups planning larger initial purchases like equipment or marketing tools.
If you’re just beginning to build business credit, the Capital One Spark Business Cards line provides multiple options with flexible rewards and benefits. These cards are designed to help newer businesses grow while earning cashback on common purchases.
The U.S. Bank Triple Cash Rewards Visa® is another strong contender, offering consistent cashback on business essentials such as utilities, software, and gas — making it especially useful for small teams or remote companies.
Finally, secured business credit cards are perfect for entrepreneurs who are just starting and don’t yet have a strong credit history. These cards require a security deposit but help you build your credit profile over time, paving the way for more premium business cards in the future.
💡 Tip: Always review the terms, rewards, and fees for each card before applying — benefits and eligibility can vary depending on your region and financial profile.
Having a great business card is one thing — managing all the receipts and expenses that come with it is another.
That’s where Manage Receipt comes in:
AI Receipt Scanner – Instantly scan or upload any receipt from your business credit card purchases.
Automatic Categorization – Sorts expenses by vendor, category, or project for accurate reports.
Cloud Storage – Keep receipts safe, searchable, and accessible anytime.
Expense Reports – Generate and export reports in PDF or Excel for accounting or reimbursement.
Bill Reminders – Never miss a payment or due date again.
By combining a smart credit card with an AI-powered app like Manage Receipt, you can stay organized, audit-ready, and in control of your business spending.
👉 Try Manage Receipt today: https://managereceipt.com
Use one card exclusively for business to keep records clean.
Pay your balance in full each month to avoid interest.
Scan and store every purchase receipt immediately using Manage Receipt.
Set monthly spending limits for your team.
Review expense summaries regularly to track growth.
Choosing the right business credit card can help new businesses unlock better cash flow, earn valuable rewards, and build a strong financial foundation.
But to truly make it work, you need to manage receipts, payments, and reports efficiently — and Manage Receipt is your all-in-one solution for that.
So, get the right card, stay organized, and let Manage Receipt handle the paperwork while you focus on building your dream business.
From smartphones to air conditioners, big purchases come with big responsibilities. With Manage Receipt, you can stop worrying about lost receipt. Whether you’re requesting a refund or sending a product for repair, your receipts are always there when you need them.
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