Best Business Card Offers

This page contains the best publicly available credit card offers. With some of the offers shown below (the one’s with a credit card image), I’ll earn a commission if you click through and are approved for the card. That said, if a better public offer is available, I always show the better offer even if it means no commissions for me. For additional details, see our Advertiser Disclosure. Advertiser partners include American Express, Barclaycard, Capital One, and CreditCards.com

Are you eligible for a business card?

You must have a business to apply for a business card.  That said, its not uncommon for people to have businesses without realizing it.  If you regularly sell items on eBay, for example, then you have a business.  Similar examples include: consulting, writing (e.g. blog authorship!), handyman services, owning rental property, etc.  In any of these cases, your business is considered a Sole Proprietorship unless you form a corporation of some sort.  If you want to keep things simple, you can use your own name as the business name and your own social security number as the business Tax ID.

Best Business Card Offers

If you’re interested in seeing more than the top 10 offers, simply click “Next” at the bottom of the page, or use the drop down selector at the top to show more than 10 items.

Card / NotesBonus / Annual FeeFirst Year Value Estimate (with notes)Bank Name
Chase Ink Business Preferred Card Chase Ink Business Preferred Card
Earning rate: 3X travel, shipping, internet, cable, phone, and advertising with social media sites (up to $150K spend per year)

Noteworthy Perks:
- Points worth 25% more when redeemed for travel
- Cell phone protection against theft or damage

See also: How to sign up for Chase Ink cards
80K after $5K spend in 3 months

$95 annual fee

Note: This card is known to be subject to Chase's 5/24 rule.

Recent better offer: This is the best public offer we've seen. A 100K offer is sometimes available in-branch through a Business Relationship Manager.

FM Mini Review: Great card for signup bonus and 3X categories. Also consider the no-fee Chase Ink Cash for its 5X categories
$1302Chase
Chase Ink Cash® Business Credit Card Chase Ink Cash® Business Credit Card
Earning rate: 5X office supplies, 5X cellular/landline/cable; 2X gas and restaurants

See also: How to sign up for Chase Ink cards
50K after $3K spend in 3 months

No annual fee

Note: This card is known to be subject to Chase's 5/24 rule.

Recent better offer: None. This is the best we've seen.

FM Mini Review: This one should be in everyone's wallet. Incredible signup bonus for a no-fee card. Great card for 5X categories. Excellent companion card to Sapphire Reserve or Sapphire Preferred!
$875Chase
The Business Platinum® Card from American Express OPEN The Business Platinum® Card from American Express OPEN
Earning rate: 5X flights and prepaid hotels at Amex Travel; 1.5X points per dollar on eligible purchases of $5000 or more (up to 1 million additional Membership Rewards points per year); 1X elsewhere

Noteworthy Perks:
-Up to $200 a year in statement credits for airline incidental fees;
-$100 Global Entry fee reimbursement.
-Airport lounge benefits.
-Rental car elite status.
-SPG Gold status.
-Hilton Gold status
-Free Boingo wifi.
-10 complimentary single flight segment passes for Gogo inflight internet each calendar year

Terms Apply. See Rates & Fees

See also: Maximizing value from Amex Platinum Cards
Up to 75K: 50K after $10K spend + 25K after additional $10K spend in 3 months.

$450 annual fee

Recent better offer: 150K after $20K Spend (Targeted)
$859

(Airline fee reimbursement valued at 90% of face value)
Amex
The Business Gold Rewards Card from American Express OPEN The Business Gold Rewards Card from American Express OPEN
Earning rate:
Earn 3X on one of your choice, 2X on rest.

3X choices:
-Airfare purchased directly from airlines
-U.S. purchases for advertising in select media
-U.S. purchases at gas stations
-U.S. purchases for shipping
-U.S. computer hardware, software, and cloud computing purchases made directly from select providers

3X and 2X apply to first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter.

Terms apply. See Rates & Fees
50K after $5K spend in 3 months.

Note: You may be eligible for a bigger signup offer. Call Amex to ask.


Annual fee waived first year, then $175

Recent better offer: 75K after $5K spend, targeted -- call to ask for offer. (last reported 2/25/16)
$851Amex
CitiBusiness AAdvantage Platinum Select World MasterCard CitiBusiness AAdvantage Platinum Select World MasterCard
Earning rate: 2X AA, 2X gas (as of 11/15/15)

Big spend bonus: Earn $99 plus taxes domestic companion certificate after $30K spend

Noteworthy Perks:
-First checked bag free
-Priority Boarding
-Reduced mileage awards
60K after $3K spend in 3 months

Annual fee waived first year, then $95
$791Citi
Chase Southwest Airlines Rapid Rewards® Premier Business Card Chase Southwest Airlines Rapid Rewards® Premier Business Card

Big spend bonus: If you earn 110,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year


Noteworthy Perks: 6000 bonus points each year upon card renewal.
60K after $3K spend in 3 months

$99 annual fee

Note: This card is known to be subject to Chase's 5/24 rule.

Recent better offer: None. This is the highest public offer we've seen.
$756Chase
Capital One® Spark® Cash for Business Capital One® Spark® Cash for Business
Earning rate: 2% everywhere
$500 after $4,500 spend in 3 months from account opening

Annual fee waived first year, then $95

Recent better offer: $1,000 after $10,000 spend in 3 months from account opening

FM Mini Review: Many cards offer unlimited 2% cash back, but this is the only business card I know of that does so. This is a good option for business owners who prefer simple cash back rewards.
$675CapOne
Platinum Delta SkyMiles® Business Credit Card from American Express Platinum Delta SkyMiles® Business Credit Card from American Express
Earning rate: 2X Delta

Big spend bonus: Earn 10K bonus miles and MQMs (towards elite status) after $25K spend and another 10K bonus miles and MQMs after $50K spend per calendar year. Terms and limitations apply.

Noteworthy Perks: Free domestic economy companion certificate after first year. Priority boarding and free checked bags.

Terms and Limitations Apply. See Rates & Fees

See also: An Analysis of the Platinum Delta SkyMiles credit card
35K miles + 5K MQMs after $1K spend in first 3 months + $100 statement credit after Delta purchase in 1st 3 months. Terms and limitations apply.

$195 annual fee

Recent better offer: 70K miles + 10K MQMs after $3K spend in first 3 months + $100 statement credit after Delta purchase in 1st 3 months. (Expired 4/11/18)

FM Mini Review: Good choice for frequent Delta flyers who can make use of annual companion certificate
$669

(MQMs valued at 3 cents each. Statement credit valued at 90% face value.)
Amex
Chase United MileagePlus® Explorer Business Chase United MileagePlus® Explorer Business

Big spend bonus: 10K bonus miles after $25K calendar year spend

Noteworthy Perks:
-Improved saver award availability
-Last seat standard award availability
-Free first checked bag
-Priority boarding
-No foreign exchange fees
-2 United Club passes per year
-Primary auto rental collision damage waiver
50K after $3K spend in 3 months

Annual fee waived first year, then $95

You may be targeted for this same offer with a $50 statement credit. Details here.

Note: This card is known to be subject to Chase's 5/24 rule.

Recent better offer: 50K after $2K spend. (Last reported in 4/2016)
$652Chase
The Plum Card® from American Express OPEN The Plum Card® from American Express OPEN
Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Earning rate: Get a 1.5% discount when you pay early, with no cap on what you can earn back.
Take up to 60 days to pay with no interest, if you pay your minimum due.

Noteworthy Perks: Terms and limitations apply. See Rates & Fees
Earn a $200 statement credit after each $10,000 you spend on the card, up to $30,000, in the first 3 months of Card Membership

Annual fee waived first year, then $250
$585Amex
Chase Marriott Rewards® Premier Business Chase Marriott Rewards® Premier Business
Earning rate: 2X airline, car rental, & restaurants. 5X Marriott. 2X office supply, internet, cable, phone.

Big spend bonus:
* 1 credit towards elite status for every $3,000 in purchases
* Automatic Gold status with $50K spend per account year.*

Noteworthy Perks: 15 night credit towards elite status every year upon account anniversary. Free category 1-5 certificate each year upon renewal.
75K after $3K spend in 3 months

Annual fee waived first year, then $99

Note: This card is NOT subject to Chase's 5/24 rule

Recent better offer: 100K after $5K spend. (Last reported 7/2016)
$472Chase
Capital One® Spark® Miles for Business Capital One® Spark® Miles for Business
Earning rate: 2X everywhere

Noteworthy Perks: Redeem miles for travel at value of 1 cent per mile.
50K after $4,500 spend in 3 months from account opening

Annual fee waived first year, then $95

FM Mini Review: This card is basically the same as the Spark Cash for Business, but rewards can only be used to offset travel purchases. This is a good option for business owners who prefer simple rewards and who value free travel over cash back.
$455CapOne
Wells Fargo Business Platinum Visa® card Wells Fargo Business Platinum Visa® card
Earning rate: 1.5% cash back everywhere if you choose the cash back program (note that you must opt in to the cash back program at account opening to get the signup bonus and 1.5% everywhere. If you choose points, this card earns 1x everywhere and a bonus 1,000 points in any statement period that you spend $1,000 or more.
$500 after $5K spend in the first 3 months OR no signup bonus if you choose to earn points instead of cash back

No annual fee

FM Mini Review: You must have a Wells Fargo checking or savings account that has been open for at least 12 months in order to apply online
$425Wells
Gold Delta SkyMiles® Business Credit Card from American Express Gold Delta SkyMiles® Business Credit Card from American Express
Earning rate: 2X Delta

Noteworthy Perks: Priority boarding, and free checked bags.

Terms and limitations apply. See Rates & Fees

See also: An Analysis of the Gold Delta Skymiles Credit Card
30K miles + $50 statement credit: 30K miles after $1K spend in the first 3 months + $50 statement credit after making a Delta purchase in the first 3 months. Terms and limitations apply.

Annual fee waived first year, then $95

Recent better offer: 60K miles + $50 statement credit: 50K miles after $2K spend in the first 3 months + $50 statement credit after making a Delta purchase in the first 3 months + 10K bonus miles after additional $1K spend in the first 6 months. (Expired 4/11/18)

FM Mini Review: Priority boarding, and free checked bag make this a good option for Delta flyers who do not have elite status. However, those who can make use of an annual companion certificate would do better with the Delta Platinum card
$417

(Statement credit valued at 90% face value)
Amex
Delta Reserve Business Credit Card from American Express Delta Reserve Business Credit Card from American Express
Earning rate: 2X Delta

Big spend bonus: Earn 15K bonus miles and MQMs (towards elite status) after $30K spend and another 15K bonus miles and MQMs after $60K spend per calendar year. Terms apply.

Noteworthy Perks: Free domestic economy or first class companion certificate after first year. SkyClub access. Priority boarding and free checked bags.

Terms and limitations apply. See Rates & Fees

See also: An Analysis of the Delta Reserve Credit Card
40K miles + 10K MQMs after $3K spend in the first 3 months. Terms apply.

$450 annual fee

Recent better offer: None.

FM Mini Review: Excellent choice for frequent Delta flyers who can make use of SkyClub access and companion certificate. Also a good choice for big spenders seeking Delta elite status.
$362

(MQMs valued at 3 cents each. )
Amex
BOA Alaska Airlines Visa Business Card BOA Alaska Airlines Visa Business Card
Earning rate: 3X Alaska Airlines, 1X elsewhere

Noteworthy Perks: $121+ coach companion pass every year
30K after $1K spend in 3 months

$75 annual fee

Recent better offer: None

FM Mini Review: Alaska miles are quite valuable so this offer is better than it appears
$345BOA
JetBlue Business Card JetBlue Business Card
Earning rate: 2X restaurants and office supply stores; 6X JetBlue; 1X everywhere else

Big spend bonus: Earn Mosaic elite status with $50,000 calendar year spend. Mosaic status good for rest of calendar year and all of next year.

Noteworthy Perks:
* Free checked bag
* 5000 bonus points every anniversary
* 10% point rebate on awards
* $100 statement credit w/ purchase of travel package
* 50% savings on in-flight purchases

See also: Barclaycard JetBlue offers are live and worth a look
30K after $1K spend in 90 days

$99 annual fee

Recent better offer: None. This is the best we've seen.

FM Mini Review: This card is almost identical to the JetBlue Plus card except that this one earns 2X at office supply stores rather than grocery stores. Both cards are winners.
$324Barclays
Hilton Honors American Express Business Card Hilton Honors American Express Business Card
Earning rate:
-12X Hilton spend;
-6X on Select Business &Travel Purchases
-3X everywhere else

Big spend bonus:
Free weekend night after $15K spend in calendar year and another after $60K spend

Diamond elite status with $40K calendar year spend

Noteworthy Perks:
-Free Gold status. Diamond status w/ $40K spend.
-10 free Priority Pass lounge visits per calendar year.

Terms Apply. See Rates & Fees

See also: Hilton Amex Cards. Everything you need to know.
100K: 75K after $3K spend in 3 months plus 25K after additional $1K spend in first 6 months

$95 annual fee

Recent better offer: None. Card is new as of 1/18/18

FM Mini Review: Easy way to secure Hilton Gold status (which offers free breakfast among other perks). Amex business cards do not count towards 5/24 status so will not hurt chances of applying for Chase cards.
$289Amex
U.S. Bank FlexPerks® Business Edge Travel Rewards Visa® Card U.S. Bank FlexPerks® Business Edge Travel Rewards Visa® Card
Earning rate: 2X cell phone; 2X charity. 2X gas, office supply, or airline purchases (whichever is most each month).

Big spend bonus: $55 credit with $24K spend per cardmember year

Noteworthy Perks: $25 airline fee credit when points are redeemed for flights
20K after $2K spend in 4 months.

Note: Employee card spend does not count towards meeting minimum spend


Annual fee waived first year, then $55

FM Mini Review: This can be a good choice for a signup bonus, but other cards are more rewarding for spend.
$270USB
Korean Air SKYPASS Business Visa issued by US Bank Korean Air SKYPASS Business Visa issued by US Bank
You may be able to earn 5K miles by referring a friend. Simply put the referring member's SkyPass number on the application in the applicable box

Earning rate: 2X Korean Air

Noteworthy Perks:
-2 Korean Air VIP Lounge coupons each year
-2,000 bonus points upon renewal
-No foreign transcation fees
15K after first purchase + $150 statement credit after $1.5K spend in 90 days

$75 annual fee

Recent better offer: 45K after $3K spend targeted (last reported 3/1/2016)

30K: 15K after first purchase + 15K after $2k spend in 90 days

25K: 15K after first purchase, 10K after $2K spend in first 3 months (Expired 1/18)
$261USB
TD Business Solutions Visa TD Business Solutions Visa
Earning rate: 3% phone, internet and cable services; 2% dining and gas stations
$300 after $3K spend in 90 days

No annual fee

Offer Expires: 3/5/18

Recent better offer: None
$240TD
Club Carlson Business Rewards Visa issued by US Bank Club Carlson Business Rewards Visa issued by US Bank
Earning rate: 10X at CC hotels, 5X elsewhere.

Big spend bonus: Free night at any US property after each $10K annual spend up to $30K

Noteworthy Perks:
-Automatic Gold status.
-40K bonus per year.

See also: Club Carlson rocks our world... Again
85K: 50K after first purchase + 35K after $2.5K spend in 3 months

$60 annual fee

FM Mini Review: With the elimination of Bonus Award Nights, this card is still good, but it is no longer an amazing "must have".
$236USB
BOA Business Advantage Travel Rewards World Mastercard BOA Business Advantage Travel Rewards World Mastercard
Earning rate: 3X for travel booked through BOA's travel center
25K after $1K spend in 60 days

No annual fee
$235BOA
SimplyCash® Plus Business Credit Card from American Express SimplyCash® Plus Business Credit Card from American Express
Earning rate:
- 5% US office supply stores and US wireless phone services

- 3% your choice from list of categories (e.g. airfare, hotels, car rentals, gas stations, restaurants, select media buys, shipping,computer)

- 1% other purchases

Note: 3% and 5% rebates are capped at $50,000 per rebate year and then earn 1% thereafter

Terms & Limitations Apply. See Rates & Fees
$500: $250 after $5K in 6 months plus $250 after additional $10K in 12 months

No annual fee

Recent better offer: None: this equals the best we've seen

FM Mini Review: Solid cash back card for those who spend a lot within the 5% and 3% categories.
$200Amex
The Hawaiian Airlines® Business MasterCard® issued by Barclaycard The Hawaiian Airlines® Business MasterCard® issued by Barclaycard
Earning rate: 2X Hawaiian Airlines

Big spend bonus: Earn up to 40,000 annual bonus miles — 20k miles with $50-$99k annual spend or 40k miles with $100k or more annual spend;

Noteworthy Perks: One-time 50% off a companion discount on roundtrip coach travel between Hawaii and North America on Hawaiian Airlines;
35K after first purchase

$89 annual fee
$194Barclays
Bank of America Business Advantage Cash Rewards Mastercard Bank of America Business Advantage Cash Rewards Mastercard
Earning rate: 3% gas and office supply; 2% restaurants
$200 after $500 spend in 60 days

No annual fee
$190BOA
BOA Platinum Business Visa BOA Platinum Business Visa$200 after $500 spend in 60 days

No annual fee

FM Mini Review: No rewards on everyday purchases, but a nice sign-up bonus for a no annual fee card.
$185BOA
Capital One® Spark® Miles Select for Business Capital One® Spark® Miles Select for Business
Earning rate: 1.5X everywhere

Noteworthy Perks: Redeem miles for travel at value of 1 cent per mile.
20K after $3,000 spend in 3 months from account opening

No annual fee

FM Mini Review: This card is basically the same as the Spark Cash Select for Business, but rewards can only be used to offset travel purchases. This is a good option for business owners who prefer simple rewards with no annual fee, and who value free travel over cash back. If you spend more than $19K per year, though, go for the 2X Spark Miles card.
$155CapOne
Capital One® Spark® Cash Select for Business Capital One® Spark® Cash Select for Business
Earning rate: 1.5% everywhere
$200 after $3,000 spend in 3 months from account opening

No annual fee

FM Mini Review: This is a good option for business owners looking for simple cash back rewards with no annual fee. If you spend more than $19,000 per year, though, you would be better off with the 2% Spark Cash card.
$155CapOne
The Blue Business℠ Plus Credit Card The Blue Business℠ Plus Credit Card
Earning rate:
- 2X Membership Rewards points on all purchases, up to $50K spend per calendar year


Terms apply. See Rates & Fees

Noteworthy Perks: 0.0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.74%, 16.74% or 20.74%, based on your creditworthiness and other factors as determined at the time of account opening

See also: The new king of everyday spend
None

No annual fee

Recent better offer: 20K after $3K spend in 3 months (Expired 6/21/17)

FM Mini Review: No other transferable points card offers 2X rewards for ALL spend. With no annual fee, this card is a winner. Big time.
$0Amex

Calculations

First year values are calculated as: estimated first year value minus estimated first year costs. First year value includes signup bonus points and statement credits. First year costs include the first year annual fee and the opportunity cost of meeting minimum spend requirements.

Please note that valuable perks such as free checked bags, companion passes, airport lounge access, etc. are not included in these calculations.

Full details of how first year value is calculated can be found here: Credit card signup bonus estimation details.

Can’t find what you’re looking for?

Try the CardMatch Tool to see if you are targeted for a better offer than those shown above.

Advertiser and Refer-A-Friend Disclosure

Many of the card offers that appear on this site are from companies from which Frequent Miler receives compensation. Please see my full advertiser disclosure here. And, some offers are friend referrals in which we will earn points or other rewards in exchange for successfully referring you through the link shown here.

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Offers for which I receive compensation are shown with credit card images.
Refer a friend Top 10+ Transferable Points Program Credit Card Offers Refer A Friend Example
Refer-a-friend offers are shown with this image
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With many of the best offers, I do not receive compensation. This is indicated by the presence of a small “broken link” credit card image

 

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13 Comments on "Best Business Card Offers"

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Geoff
Guest

Do the Amex Business cards adhere to the once-per-lifetime bonus limitation as do the Personal cards?

D
Guest

Personal cards are showing up. FYI.

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[…] 5/24 count carefully, you could still sign up for 2 personal cards per year.  And by regularly signing up for  business cards from Amex, Chase, Bank of America, etc. you can keep the points […]

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[…] Best Business Card Offers […]

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[…] Chase United MileagePlus Explorer Business: 10K bonus miles after $25K calendar year spend. […]

Pete
Guest

Got this pop up ad for an 80K Marriott business card. So…it doesn’t report to the bureaus for personal credit (thinking of 5/24 implications here)…but since it’s a Chase card, Chase will still add it to the 24 month rolling count, right?

https://creditcards.chase.com/a1/marriottbusiness/naep/8TK?CELL=641N&jp_cmp=cc/10988188/ext/82740466/146493263

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[…] And once he has decided to start this business, he can apply for business credit cards.  Often, business cards have the best signup bonuses.  And most business cards do not count towards […]

Shawn
Guest

Any idea if the WF Business Platinum card shows on your personal credit reports?