Business expenses often spike during holidays. You might purchase more inventory, hire temporary staff, start seasonal marketing campaigns, stock up on gift cards, or ship client appreciation gifts. While the extra spending can put pressure on your finances, putting those charges on a high-quality business credit card can give your business a boost in return.
The right card maximizes every dollar you spend, unlocking cash back, points, and perks far beyond the holidays. So which option delivers the most value? Let’s break it down.
Features of a Holiday-Ready Business Credit Card
With the seasonal spike in business, you need business credit cards designed for high-volume spending. It should help you improve your credit profile, separate your personal and business expenses, access higher limits based on your needs, and earn significant rewards during peak months. Look for features, like:
- Category-Based Rewards
- Sign-Up Bonuses
- Introductory APR Offers
- Vendor Flexibility
- Expense Tracking
- Employee Cards
Choosing the right card depends on how your business spends and what rewards matter most to you. You will secure the best business credit card offer by prioritizing the features that match your seasonal spending habits.
Top Business Credit Card Options This Holiday Season
Let’s examine some of the top business credit cards for 2025, so you can find the right tool for your company this holiday season.
1. Cardiff Business Rewards Credit Card
Cardiff is a top small business lender known for fast working capital solutions. Their business rewards credit card offers speed and personalized offers, as well as rewards like cash back, enhanced travel benefits, and business management services.1
Cardiff Cards also give new applicants a 0% introductory APR for the first year. No interest for the first year means a purchase-heavy spending season costs you less. You can spend up to your credit limit to get through the busy season and pay it off as you make money with no extra costs.
What makes this card stand out is its seamless integration with other financial tools and ability to provide adaptable capital options. Cardiff Credit Cards come with business cash advance options to quickly secure short-term merchant financing for significant expenses. The card also comes with flexible repayment options. Cardiff can adjust your payments to match your revenue cycle, whether you are paying off the advance, your regular credit purchases, or both.1
Consider Cardiff if you want to work with a business cash advance lender and credit card provider in one place to maximize your holiday spending. With their Business Reward Credit Card, you can manage all your seasonal expenses and earn rewards.
2. Chase Ink Business Cash® Credit Card
As a reputable credit provider, Chase offers many valuable business credit cards. The Chase Ink Business Cash® Credit Card stands out for significant cash back rewards.
You can earn 5% on the first $25,000 spent on shipping, office supplies, internet, phone services, and 2% cash back on gas stations and restaurants.2 Chase also offers specific holiday benefits with this credit card, like a 0% intro APR rate for the first year and a cash back bonus when you spend $6,000 in three months.2
Consider this card if you invest $5,000 into holiday inventory in one month or pay top-dollar for internet and phone services during your December marketing campaign. The Chase Ink Business Cash® Credit Card can put some of the money you spend back in your pocket.
3. American Express® Blue Business Cash Card
AMEX builds management systems like Vendor Pay, QuickBooks, employee cards, and their app into your membership.3 Plus, you can automatically extend warranties and insure purchases made through any of their credit cards.3
The American Express® Blue Business Cash Card builds on the provider’s dependability with a straightforward rewards system. You earn 2% cash back on all purchases, up to $50,000 annually, and 1% back afterward.3
During the holidays, this card allows businesses to maximize their credit limits without paying interest immediately. With expanded buying power, you can purchase beyond your spending limit and automatically increase your available credit amount based on your business history.3 You won’t pay fees for overspending, and with a 0% intro APR for 12 months on purchases, you won’t pay interest the first year.3
So if your holiday spending doesn’t fit within one category and you face unexpectedly high costs, consider the Blue Business Cash Card through Amex. You’ll maintain purchasing power and earn rewards without micromanaging your spending.
4. Capital One Spark 1.5x Miles Select
Well-known for offering cards with excellent travel perks, consider Capital One’s travel card to turn your holiday spending into vacations or maximize your seasonal trips. With the Spark 1.5x Miles Select credit card, you earn 1.5 miles on all purchases without an annual fee.4 You earn 50,000 bonus miles by spending $4,500 in your first three months.
This card is a holiday powerhouse when your seasonal spending involves airlines, hotels, restaurants, and vacation resorts. For example, suppose you visit different company locations for end-of-year meetings and celebrations or reward top salespeople with an all-expenses-paid trip in the new year. In that case, you’ll unlock better travel opportunities for less money with Capital One’s Spark Card.
Celebrate Your Holiday Spending
When you’re sick of picking up the check at another holiday party or shipping another batch of December appreciation baskets to customers, a business credit card can give you something to look forward to. Those expenses might be bankrolling your trip to a marketing conference in Miami or upgrading the seating at your cafe.
Don’t just endure the spiking seasonal costs. Choose a business credit card that matches your business’s needs and offers valuable rewards to celebrate your holiday spending.
Sources:
1https://cardiff.co/business-loans/products/business-cards/
2https://creditcards.chase.com/business-credit-cards/ink/cash
3https://www.americanexpress.com/en-us/business/credit-cards/blue-business-cash/
4https://www.capitalone.com/small-business/credit-cards/spark-miles-select/