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Business Credit Cards With the Best Sign-Up Bonuses of May 2025

Earn up to $2,000 with these business credit card offers for new cardholders.
Edited by

Ryan Lane

Last updated on April 15, 2025

Fact checked and reviewed
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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

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

Find the right credit card for your business

Answer a few quick questions, and we’ll match you to personalized card recommendations.

Here are the best business credit card sign-up bonuses

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Here are the best business credit card sign-up bonuses

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Best of awards Nerdwallet's badge2025 BEST CREDIT CARD SMALL BUSINESS

Ink Business Unlimited® Credit Card

4.9 

Best for Overall cash-back welcome offer

Annual fee
$0
Rewards rate
1.5%

Cashback

Intro offer
$750
Apply now

on Chase's website

Rates & Fees

Best of awards Nerdwallet's badge

2025 BEST CREDIT CARD

SMALL BUSINESS

Ink Business Unlimited® Credit Card

Best for Overall cash-back welcome offer

4.9 
Annual fee
$0
Rewards rate
1.5%

Cashback

Intro offer
$750
Apply now

on Chase's website

Rates & Fees

Capital One Spark Cash Select

4.6 

Best for Unlimited flat-rate cash back

Annual fee
$0
Rewards rate
1.5%-5%

Cashback

Intro offer
$500
Apply now

on Capital One's website

Rates & Fees

Capital One Spark Cash Select

Best for Unlimited flat-rate cash back

4.6 
Annual fee
$0
Rewards rate
1.5%-5%

Cashback

Intro offer
$500
Apply now

on Capital One's website

Rates & Fees

U.S. Bank Triple Cash Rewards Visa® Business Card

4.4 

Best for Intro APR + bonus categories

Annual fee
$0
Rewards rate
1%-3%

Cashback

Intro offer
$750
Apply now

on U.S. Bank's website

Rates & Fees

U.S. Bank Triple Cash Rewards Visa® Business Card

Best for Intro APR + bonus categories

4.4 
Annual fee
$0
Rewards rate
1%-3%

Cashback

Intro offer
$750
Apply now

on U.S. Bank's website

Rates & Fees

Ink Business Preferred® Credit Card

4.8 

Best for Overall travel points welcome offer

Annual fee
$95
Rewards rate
1x-3x

Points

Intro offer
90,000

Points

Apply now

on Chase's website

Rates & Fees

Ink Business Preferred® Credit Card

Best for Overall travel points welcome offer

4.8 
Annual fee
$95
Rewards rate
1x-3x

Points

Intro offer
90,000

Points

Apply now

on Chase's website

Rates & Fees

Marriott Bonvoy Business® American Express® Card

5.0 

Best for Hotel business card bonus offer

Annual fee
$125
Rewards rate
2x-6x

Points

Intro offer
3 Free Night Awards

Points

Apply now

on American Express' website

Rates & Fees

Marriott Bonvoy Business® American Express® Card

Best for Hotel business card bonus offer

5.0 
Annual fee
$125
Rewards rate
2x-6x

Points

Intro offer
3 Free Night Awards

Points

Apply now

on American Express' website

Rates & Fees

Capital One Spark Cash Plus

4.9 

Best for Businesses with big budgets

Annual fee
$150
Rewards rate
2%-5%

Cashback

Intro offer
$2,000
Apply now

on Capital One's website

Rates & Fees

Capital One Spark Cash Plus

Best for Businesses with big budgets

4.9 
Annual fee
$150
Rewards rate
2%-5%

Cashback

Intro offer
$2,000
Apply now

on Capital One's website

Rates & Fees

Capital One Venture X Business

4.9 

Best for Welcome offer + annual travel credit

Annual fee
$395
Rewards rate
2x-10x

Miles

Intro offer
Up to 350,000 Miles

⏱️ Limited time offer

Apply now

on Capital One's website

Rates & Fees

Capital One Venture X Business

Best for Welcome offer + annual travel credit

4.9 
Annual fee
$395
Rewards rate
2x-10x

Miles

Intro offer
Up to 350,000 Miles

⏱️ Limited time offer

Apply now

on Capital One's website

Rates & Fees

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

  • The Business Platinum Card® from American Express
    :
    Limited Time Travel Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 on eligible purchases on your Business Platinum Card® within the first 3 months of Card Membership. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card® within the first 3 months of Card Membership. You can earn one or both of these offers. Offer ends 6/30/25. Terms Apply.
  • U.S. Bank Business Altitude® Connect Visa Signature® Card
    :
    Limited Time Offer: Earn 60,000 bonus points, worth $600 if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
  • Southwest® Rapid Rewards® Performance Business Credit Card
    :
    Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
  • IHG One Rewards Premier Business Credit Card
    :
    Earn up to 200,000 Bonus Points. Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening. Plus, earn 60,000 Bonus Points after spending a total of $9,000 in the first 6 months from account opening.

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 $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Limited Time Intro Offer: Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening.

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.
Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

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
For a limited time, earn up to 350,000 bonus miles: 150,000 miles once you spend $30,000 in the first 3 months, and an additional 200,000 miles once you spend $200,000 in the first 6 months.
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
.
To view rates and fees of the
Marriott Bonvoy Business® American Express® Card
, see this page.
Last updated on April 15, 2025

Methodology

NerdWallet's business credit card team selects the best small-business credit cards without outside input from partners or other business interests. We evaluate business cards based on value and simplicity, weighing fees, sign-up bonuses and reward rates, alongside perks like interest-free periods, statement credits and elite status (for travel cards). Business cards that earn the highest scores deliver the most value to the greatest number of business owners.
Notable changes to our methodology for 2025 include factoring in whether spending on employee cards earns rewards and counts toward the welcome offer requirements. We also now consider what information the card issuer reports to consumer credit bureaus. Learn how NerdWallet rates small-business credit cards.
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Best Small Business Credit Card 2025
Ink Business Unlimited℠ Credit Card
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Best small-business credit card

Ink Business Unlimited® Credit Card

Apply now

on Chase's website

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Find a business credit card that works as hard as you do

Looking to earn rewards or build your credit? We’ll help match you to the perfect business credit card based on your qualifications.

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Looking to earn rewards or build your credit? We’ll help match you to the perfect business credit card based on your qualifications.