NerdWallet Editor's Pick: Business Credit Cards with the Best Sign-up Bonuses
Superior credit selection with Capital One Spark Cash
Perfect for: Unlimited flat cashback
Earn a $750 bonus when you spend $6,000 within the first 3 months of account opening.
Superior credit selection with Capital One Spark Cash
offers generous sign-up bonuses to earn, no annual fees, and flat-rate cashback benefits. (See rates and fees.) Businesses that expect to spend $30,000 or more in the first three months should focus on the following:
Capital One Spark Cash Plus
offers higher bonus and benefit rates (higher annual fees). (See rates and fees.) Please check the details and apply.
Ink Business Cash® Credit Card
Best for: Cash back in the bonus category
Earn $350 on purchases of $3,000 within the first 3 months and an additional $400 on purchases of $6,000 within the first 6 months of account opening.
Ink Business Cash® Credit Card
, you can earn considerable cashback. (If not, look elsewhere.) The no-annual-fee cash-back card has a great sign-up bonus, plus an introductory period of his APR on purchases. Please check the details and apply.
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Credit Card
Best for: Bonus cash back (up to 75%)
Earn a $300 online statement credit when you make at least $3,000 in net purchases in the first 90 days of account opening.
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Credit Card
. This card provides:
1.5%
Cashback on all purchases with no annual limit. For customers eligible for Bank of America®'s Preferred Rewards program for Business, the benefits are even higher (up to 2.62% depending on tier). This is a hard one to beat among flat-rate cashback business credit cards. Please check the details and apply.
US Bank Business Triple Cash Rewards World Elite Mastercard®
Best for: Intro 0% APR Term
Earn $500 cashback. He only has to pay $4,500 on the account holder card during the first 150 days after opening the account.
US Bank Business Triple Cash Rewards World Elite Mastercard®
A powerful cashback card for business owners.
Earn 3% cash back on eligible purchases at gas stations, office supply stores, cell phone service providers, and restaurants.Earn 1% cashback on all other eligible online purchases
. Additionally, this card offers a competitive welcome bonus;
0% introductory APR for 15 billing cycles on purchases and balance transfers, then recurring APR of 19.24% to 28.24% variable APR.
— all with $
0
Annual fee. Please check the details and apply.
Ink Business Preferred® Credit Card
Best for: Travel Points
Earn 100,000 bonus points when you spend $8,000 on purchases within the first three months of account opening. That's $1,000 cash back or $1,250 worth of travel when redeemed through Chase Travel℠.
Ink Business Preferred® Credit Card
Get started with the biggest sign-up bonus of any credit card:
Earn 100,000 bonus points when you spend $8,000 on purchases within the first three months of account opening. That's $1,000 cash back or $1,250 worth of travel when redeemed through Chase Travel℠.
You can also earn bonus benefits on common business spending categories such as travel, advertising, shipping, internet, cable, and phone services. Points are worth 25% more when redeemed for travel booked through Chase. You can also transfer points to about a dozen airline and hotel partners. Please check the details and apply.
Capital One Spark Miles for Business
Best for: Flat rate travel rewards
Earn a one-time bonus of 50,000 miles (equivalent to $500 in travel) when you spend $4,500 or more within the first three months of account opening.
Capital One Spark Miles for Business
Earn 5 miles per dollar spent on hotels and rental cars booked through Capital One Travel, and 2 miles per dollar spent on all other purchases. Miles can be redeemed at a value of 1 cent per travel purchase without blackout dates or other restrictions on branded hotel or airline cards. This card also offers a great sign-up bonus. (See rates and fees.) Please check the details and apply.
Southwest® Rapid Rewards® Performance Business Credit Card
Perfect for: Airline business card bonus benefits
Earn 80,000 points after you spend $5,000 on purchases within the first three months of account opening.
Southwest® Rapid Rewards® Performance Business Credit Card
This is the closest thing this airline has to a premium card. Perks and perks like 4x points on Southwest purchases, boarding upgrades, and TSA PreCheck/Global Entry credits can provide solid value for frequent airline flyers. Please read the review.
IHG One Rewards Premier Business Credit Card
Perfect for: Hotel business card bonus benefits
Limited time offer! Earn up to 175,000 bonus points. Earn 140,000 bonus points after you spend $4,000 on purchases within the first three months of account opening. Plus, earn 35,000 bonus points after you spend a total of $7,000 in the first six months of account opening.
IHG One Rewards Premier Business Credit Card
A must-have if you frequent hotels under the InterContinental Hotel Group (Holiday Inn, Crowne Plaza, Kimpton, InterContinental, etc.). This card comes with a great welcome bonus, free anniversary night, automatic elite status, and a host of other travel-friendly perks. Please check the details and apply.
Amazon Business Prime American Express Card
Best for: Amazon shoppers
Eligible Prime members will receive a $125 Amazon Gift Card upon approval for their Amazon Business Prime American Express Card. Terms and conditions apply.
Amazon Business Prime American Express Card
A rare business credit with an introductory offer that requires no minimum spend. This card is available to Amazon Prime and Business Prime members and offers either 90 days of interest-free financing or an impressive first 5% cash back on purchases at Amazon Business, Amazon Web Services, Amazon.com, and Whole Foods. You can choose. $120,000 was spent within these categories (1% thereafter). Terms and conditions apply. Please check the details and apply.
After you spend $5,000 on purchases in the first 5 months, earn $750 in bonus earnings redeemable towards the purchase or lease of an eligible new GM vehicle at GM.
GM Business™ MasterCard®
It depends on how much you like that brand of cars. For those who do, this card may be valuable based on the welcome bonus and GM-specific rewards.
Earn 5% on eligible GM parts, accessories and service purchases at authorized GM dealers. 3% profit on purchases at gas stations, restaurants, and office supply stores. Earn 1% on all other purchases.
learn more.
Other business credit card welcome offers
The business card registration bonuses listed below may be of less value or more difficult to obtain than the bonuses listed above. However, they may make sense for you based on your spending habits and personal preferences. There are several options to consider.
Cashback business credit card with welcome benefits
Travel business credit card with welcome benefits
What is a business credit card sign-up bonus?
A business credit card sign-up bonus is a benefit offered by the issuer to new cardholders. Typically, you can receive this bonus in either cashback or points when you spend more than a certain amount within a certain period of time (usually 90 days) after opening the card. Sign-up bonuses may change frequently.
A sign-up bonus doesn't just come from signing up for a business credit card. To earn rewards, you must meet certain qualifications. Therefore, this benefit is also known as a welcome offer. The best offer is the one you're sure you'll get.
How do business credit card welcome offers compare to personal cards?
Here are some current examples of business credit card sign-up bonuses compared to comparable consumer-level cards.
Ink Business Unlimited® Credit Card
versus
Chase Freedom Unlimited®
|
Card type |
work. |
Personal. |
|
Annual fee |
||
|
Bonus |
Earn $750 bonus cash back when you spend $6,000 on purchases within the first three months of account opening. |
Earn an additional 1.5% cash back on all purchases (up to $20,000 spent in the first year), up to $300 in cash back. |
Ink Business Preferred® Credit Card
versus
Chase Sapphire Preferred® Card
|
Card type |
work. |
Personal. |
|
Annual fee |
||
|
Bonus |
Earn 100,000 bonus points when you spend $8,000 on purchases within the first three months of account opening. That's $1,000 cash back or $1,250 worth of travel when redeemed through Chase Travel℠. |
Earn 60,000 bonus points after you spend $4,000 on purchases within the first three months of account opening. Redeem through Chase Travel℠ for $750. |
Capital One® Spark® Miles Select for Business
versus
Capital One Quiksilver Cash Rewards Credit Card
The good news is that if you use the card for business, the fees and interest will count as a business expense. This means you can deduct these card costs on your taxes.
Why are business card bonuses generally higher?
Small business owners generally tend to spend more money than consumers, so business credit cards offer bigger bonuses. This means that issuers can afford to offer sign-up bonuses more generously and attractively to attract customers.
Of course, this doesn't come from their good intentions. The more you spend on your business credit card, the more money your card issuer makes.
If a company has a balance, the issuer can earn more in interest. And even if the cardholder pays in full each month and never accrues interest, the issuer still earns a percentage of each transaction through swipe fees.
How to compare corporate credit card bonuses
It can be difficult to evaluate business credit card bonuses by juxtaposing various criteria. A simple formula to compare them is:
The lower the result, the higher the potential value of the offer.
For example, card “A” gives you a $350 cash bonus after you spend $4,000 in 90 days, and card “B” gives you a $250 cash bonus after you spend $3,000 in that period. Suppose that Here's a breakdown of these offers:
-
Card A: 4,000 / 350 = 11.4
-
Card B: 3,000 / 250 = 12
In this case, the additional $100 on Card A is seemingly a better deal. Of course, if you know your business won't spend his $4,000, the calculation should change. The same goes if the card's other features (perhaps an annual fee or perks cap) affect your staying power. Still, this is one way to factor bonuses into broader decisions.
Capital One Spark Cash Plus
see this page.
Capital One® Spark® Miles Select for Business
Credit cards are collected by NerdWallet and are not reviewed or provided by the issuer or provider of this product or service.