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Business Credit Cards With the Best Sign-Up Bonuses of November 2024

Earn up to $2,000 with these business credit card offers for new cardholders.
By Gregory Karp, Kelsey Sheehy
Last updated on October 23, 2024
Edited byRyan Lane
Fact checked and reviewed

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Business credit cards offer lucrative sign-up bonuses worth $1,000 or more in cash back or travel points for new cardholders. These big bonuses can have big spending requirements, though — as much as $30,000 in three months, depending on the card. Review the offer details, and your business's planned spending, to make sure you can easily qualify for the welcome offer before signing up.

Looking for a business credit card?

See our overall favorites, or choose your business type to find the best options for you.

Our top overall picks

on Nerdwallet's secure site

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Business credit cards offer lucrative sign-up bonuses worth $1,000 or more in cash back or travel points for new cardholders. These big bonuses can have big spending requirements, though — as much as $30,000 in three months, depending on the card. Review the offer details, and your business's planned spending, to make sure you can easily qualify for the welcome offer before signing up.

Looking for a business credit card?

See our overall favorites, or choose your business type to find the best options for you.

Our top overall picks

on Nerdwallet's secure site

Here are the best business credit card sign-up bonuses

Best forNerdWallet ratingAnnual feeRewards rateIntro offerLearn more

Unlimited flat-rate cash back

Capital One Spark Cash Select

Apply now

on Capital One's website

Rates & Fees

4.9/5
$0

1.5%-5%

Cashback

$500

Apply now

on Capital One's website

Rates & Fees

Intro APR + bonus categories

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

Apply now

on U.S. Bank's website

Rates & Fees

5.0/5
$0

1%-3%

Cashback

$750

Apply now

on U.S. Bank's website

Rates & Fees

Overall travel points welcome offer

Ink Business Preferred® Credit Card

Apply now

on Chase's website

4.7/5
$95

1x-3x

Points

90,000

Points

Apply now

on Chase's website

Hotel business card bonus offer

Marriott Bonvoy Business® American Express® Card

Apply now

on American Express' website

Rates & Fees

4.9/5
$125

2x-6x

Points

50,000

Points

Apply now

on American Express' website

Rates & Fees

Businesses with big budgets

Capital One Spark Cash Plus

Apply now

on Capital One's website

Rates & Fees

5.0/5
$150

2%-5%

Cashback

$2,000

⏱️ New bonus offer

Apply now

on Capital One's website

Rates & Fees

Welcome offer + annual travel credit

Capital One Venture X Business

Apply now

on Capital One's website

Rates & Fees

5.0/5
$395

2x-10x

Miles

150,000

Miles

Apply now

on Capital One's website

Rates & Fees

Best forNerdWallet ratingAnnual feeRewards rateIntro offerLearn more

Unlimited flat-rate cash back

Capital One Spark Cash Select

Apply now

on Capital One's website

Rates & Fees

4.9/5
$0

1.5%-5%

Cashback

$500

Apply now

on Capital One's website

Rates & Fees

Intro APR + bonus categories

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

Apply now

on U.S. Bank's website

Rates & Fees

5.0/5
$0

1%-3%

Cashback

$750

Apply now

on U.S. Bank's website

Rates & Fees

Overall travel points welcome offer

Ink Business Preferred® Credit Card

Apply now

on Chase's website

4.7/5
$95

1x-3x

Points

90,000

Points

Apply now

on Chase's website

Hotel business card bonus offer

Marriott Bonvoy Business® American Express® Card

Apply now

on American Express' website

Rates & Fees

4.9/5
$125

2x-6x

Points

50,000

Points

Apply now

on American Express' website

Rates & Fees

Businesses with big budgets

Capital One Spark Cash Plus

Apply now

on Capital One's website

Rates & Fees

5.0/5
$150

2%-5%

Cashback

$2,000

⏱️ New bonus offer

Apply now

on Capital One's website

Rates & Fees

Welcome offer + annual travel credit

Capital One Venture X Business

Apply now

on Capital One's website

Rates & Fees

5.0/5
$395

2x-10x

Miles

150,000

Miles

Apply now

on Capital One's website

Rates & Fees

I'M INTERESTED IN:

Our pick for

Unlimited flat-rate cash back

Capital One Spark Cash Select

Read Review
Apply now

on Capital One's website

Annual fee
$0
Rewards rate
1.5%-5% Cashback
Intro offer
$500

Pros

  • No annual fee
  • High rewards rate
  • No reward caps

Cons

  • Requires excellent credit

Capital One Spark Cash Select

NerdWallet rating 

4.9/5
Apply now

on Capital One's website

Annual fee
$0
Rewards rate
1.5%-5% Cashback
Intro offer
$500

Our pick for

Intro APR + bonus categories

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

Read Review
Apply now

on U.S. Bank's website

Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$750

Pros

  • Bonus cash back categories
  • No annual fee
  • Intro APR period on purchases

Cons

  • Requires good/excellent credit
  • Low rate outside bonus categories

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

NerdWallet rating 

5.0/5
Apply now

on U.S. Bank's website

Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$750

Our pick for

Overall travel points welcome offer

Ink Business Preferred® Credit Card

Read Review
Apply now

on Chase's website

Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
90,000 Points

Pros

  • New cardholder bonus offer
  • Bonus categories
  • Transfer partners

Cons

  • Has annual fee
  • No intro APR offer

Ink Business Preferred® Credit Card

NerdWallet rating 

4.7/5
Apply now

on Chase's website

Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
90,000 Points

Our pick for

Hotel business card bonus offer

Marriott Bonvoy Business® American Express® Card

Read Review
Apply now

on American Express' website

Annual fee
$125
Rewards rate
2x-6x Points
Intro offer
50,000 Points

Pros

  • Anniversary perk
  • High rewards rate
  • Automatic elite status

Cons

  • Has annual fee
  • Rewards have limited flexibility
  • Lower acceptance abroad

Marriott Bonvoy Business® American Express® Card

NerdWallet rating 

4.9/5
Apply now

on American Express' website

Annual fee
$125
Rewards rate
2x-6x Points
Intro offer
50,000 Points

Our pick for

Businesses with big budgets

Capital One Spark Cash Plus

Read Review
Apply now

on Capital One's website

Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$2,000

⏱️ New bonus offer

Pros

  • Earns cash back on primary and employee cards
  • No foreign transaction fees

Cons

  • Balance must be paid in full every month
  • Has annual fee
  • High spending requirement to hit full welcome bonus, annual bonus offers

Capital One Spark Cash Plus

NerdWallet rating 

5.0/5
Apply now

on Capital One's website

Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$2,000

⏱️ New bonus offer

Our pick for

Welcome offer + annual travel credit

Capital One Venture X Business

Read Review
Apply now

on Capital One's website

Annual fee
$395
Rewards rate
2x-10x Miles
Intro offer
150,000 Miles

Pros

  • Lounge membership
  • High rewards rate
  • Welcome offer

Cons

  • High annual fee
  • Requires excellent credit
  • Balance must be paid in full every month

Capital One Venture X Business

NerdWallet rating 

5.0/5
Apply now

on Capital One's website

Annual fee
$395
Rewards rate
2x-10x Miles
Intro offer
150,000 Miles

Other business credit card welcome offers

The following business card sign-up bonuses are potentially less valuable or harder to get than those listed above. But they may make sense for you based on your spending habits or personal preferences. Here are some options to consider.

Cash-back business credit cards with welcome offers

Travel business credit cards with welcome offers

What is a business credit card sign-up bonus?

A business credit card sign-up bonus is a perk for new cardholders typically awarded as cash back or points. To earn a welcome offer, you must meet the offer's spending requirements within the designated timeframe (often 90 days).
Sign-up bonuses can change frequently and you can be excluded from the offer based on your history with an issuer (whether you’ve had a version of that business card before, how many cards you have with the provider, etc.). If you’re unsure about your eligibility, contact the issuer before applying for clarification.

How do business credit card welcome offers compare with personal cards?

Business credit cards usually have much larger welcome offers than personal cards. Why? Because small-business owners tend to spend more than consumers. And the more you spend, the more the card issuer earns.
That means issuers can afford to be more generous — and enticing — with their sign-up bonuses for business credit cards. Here are some examples of sign-up bonuses featured by business credit cards compared with a comparable consumer-level card.

Ink Business Unlimited® Credit Card
vs.
Chase Freedom Unlimited®

Card type
Business.
Personal.
Annual fee
$0
.
$0
.
Bonus
Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

Ink Business Preferred® Credit Card
vs.
Chase Sapphire Preferred® Card

Card type
Business.
Personal.
Annual fee
$95
.
$95
.
Bonus
Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Get up to $1,050 in Chase Travel℠ value. Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening. That’s worth $750 when redeemed through Chase Travel. Plus, get up to $300 in statement credits on Chase Travel purchases within your first year.

Capital One Venture X Business
vs.
Capital One Venture X Rewards Credit Card

Card type
Business.
Personal.
Annual fee
$395
. (See rates and fees.)
$395
. (See rates and fees.)
Bonus
Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening.
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.

🤓 Nerdy Tip

You don’t need a business to get a business credit card and qualify for bigger sign-up bonuses. Freelance gigs and side jobs — even dogsitting or selling items on Facebook Marketplace — are good enough to get a business card. You don't even need business revenue, just an excellent personal credit score to qualify for most business credit cards.

How to compare business credit card bonuses

It can be tricky to evaluate business credit card bonuses with different criteria side-by-side. Here’s a simple equation to compare them:
  • Required spending amount / bonus amount
The lower the result, the better potential value of the offer.
For example, let’s say card “A” has a $350 cash bonus if you spend $4,000 in 90 days while card “B” gives you $250 for spending $3,000 in that time frame. Here’s how these offers break down:
  • Card A: 4,000 / 350 = 11.4
  • Card B: 3,000 / 250 = 12   
In this case, card A’s extra $100 is seemingly the better deal. Of course, if you know your business won’t spend $4,000, then your calculus should change. Ditto for if that card’s other features — perhaps it has an annual fee or capped rewards — would influence its staying power for you. Still, this is one way to factor bonuses into your broader decision.
Travel, hotel and airline business credit cards usually offer points in their welcome offers instead of cash. You’ll want to convert those points to dollars since their value depends on many factors, including how and where you plan to redeem them. Here’s how NerdWallet values different issuer points to help you evaluate those offers.
View rates and fees of
Capital One Spark Cash Plus
.
View rates and fees of
Capital One Venture X Business
.
View rates and fees of the
Capital One Venture X Rewards Credit Card
.
View rates and fees of the
Marriott Bonvoy Business® American Express® Card
.
Last updated on October 23, 2024

Methodology

NerdWallet's Credit Cards team selects the best credit cards for small business based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of small-business operators. Factors in our evaluation include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as special financing arrangements, free cards for employees or tools for managing business expenses. Learn more about how we rate business credit cards.
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