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

Business Credit Cards With the Best Sign-Up Bonuses

Credit card	Best for	NerdWallet rating	Annual fee	Rewards rate	Intro offer	Learn more
Ink Business Unlimited® Credit Card Apply now on Chase's website Rates & Fees	BEST SMALL BUSINESS CREDIT CARD OF 2025	4.9 /5	$0	1.5% Cashback	$750	Apply now on Chase's website Rates & Fees
Pros High rewards rate Intro APR period No reward caps New cardholder bonus offer Cons No bonus categories

Capital One Spark Cash Select Apply now on Capital One's website Rates & Fees	Unlimited flat-rate cash back	4.6 /5	$0	1.5%-5% Cashback	$500	Apply now on Capital One's website Rates & Fees
Pros High rewards rate No reward caps No foreign transaction fees Cons Requires excellent credit Reports all card activity to consumer credit bureaus No Intro APR period

U.S. Bank Triple Cash Rewards Visa® Business Card Apply now on U.S. Bank's website Rates & Fees	Intro APR + bonus categories	4.4 /5	$0	1%-5% Cashback	$500	Apply now on U.S. Bank's website Rates & Fees
Pros High cash-back bonus rate No cap on bonus rewards Intro APR period on purchases and balance transfers Reports to Dun & Bradstreet New cardholder bonus offer Cons Low rate outside bonus categories Activity on employee cards does not count toward bonus spending requirement

Ink Business Preferred® Credit Card Apply now on Chase's website Rates & Fees	Entry-level business travel card	4.8 /5	$95	1x-3x Points	90,000 Points	Apply now on Chase's website Rates & Fees
Pros New cardholder bonus offer Transfer partners Cons Does not include lounge access or travel credits

Marriott Bonvoy Business® American Express® Card Apply now on American Express' website Rates & Fees	Hotel business card bonus offer	5.0 /5	$125	2x-6x Points	3 Free Night Awards Points	Apply now on American Express' website Rates & Fees
Pros High rewards rate Automatic elite status Free night reward on cardholder anniversary New cardholder bonus offer Cons Rewards have limited flexibility

Capital One Spark Cash Plus Apply now on Capital One's website Rates & Fees	Businesses with big budgets	4.9 /5	$150	2%-5% Cashback	$2,000	Apply now on Capital One's website Rates & Fees
Pros High rewards rate No preset spending limit No foreign transaction fees New cardholder bonus offer Cons High annual fee Balance must be paid in full every month High spending requirement to hit bonuses Requires excellent credit

Capital One Venture X Business Apply now on Capital One's website Rates & Fees	Welcome offer + annual travel credit	4.9 /5	$395	2x-10x Miles	150,000	Apply now on Capital One's website Rates & Fees
Pros High rewards rate New cardholder bonus offer Priority Pass lounge membership Annual travel credit, bonus points Statement credit for Global Entry, TSA PreCheck® Cons High annual fee Requires excellent credit Balance must be paid in full every month

Sapphire Reserve for Business℠ Apply now on Chase's website Rates & Fees	Overall travel points welcome offer	4.8 /5	$795	1x-8x Points	200,000 Points	Apply now on Chase's website Rates & Fees
Pros New cardholder bonus offer Annual travel credit Statement credit for Global Entry, TSA PreCheck® Airport lounge access for primary cardholder and guests Cons High annual fee Complicated rewards Requires excellent credit Purchases that don't qualify for Flex for Business must be paid in full every month

Credit card	Best for	NerdWallet rating	Annual fee	Rewards rate	Intro offer	Learn more
Ink Business Unlimited® Credit Card Apply now on Chase's website Rates & Fees	BEST SMALL BUSINESS CREDIT CARD OF 2025	4.9 /5	$0	1.5% Cashback	$750	Apply now on Chase's website Rates & Fees
Capital One Spark Cash Select Apply now on Capital One's website Rates & Fees	Unlimited flat-rate cash back	4.6 /5	$0	1.5%-5% Cashback	$500	Apply now on Capital One's website Rates & Fees
U.S. Bank Triple Cash Rewards Visa® Business Card Apply now on U.S. Bank's website Rates & Fees	Intro APR + bonus categories	4.4 /5	$0	1%-5% Cashback	$500	Apply now on U.S. Bank's website Rates & Fees
Ink Business Preferred® Credit Card Apply now on Chase's website Rates & Fees	Entry-level business travel card	4.8 /5	$95	1x-3x Points	90,000 Points	Apply now on Chase's website Rates & Fees
Marriott Bonvoy Business® American Express® Card Apply now on American Express' website Rates & Fees	Hotel business card bonus offer	5.0 /5	$125	2x-6x Points	3 Free Night Awards Points	Apply now on American Express' website Rates & Fees
Capital One Spark Cash Plus Apply now on Capital One's website Rates & Fees	Businesses with big budgets	4.9 /5	$150	2%-5% Cashback	$2,000	Apply now on Capital One's website Rates & Fees
Capital One Venture X Business Apply now on Capital One's website Rates & Fees	Welcome offer + annual travel credit	4.9 /5	$395	2x-10x Miles	150,000	Apply now on Capital One's website Rates & Fees
Sapphire Reserve for Business℠ Apply now on Chase's website Rates & Fees	Overall travel points welcome offer	4.8 /5	$795	1x-8x Points	200,000 Points	Apply now on Chase's website Rates & Fees

Here are the best business credit card sign-up bonuses

2025 BEST CREDIT CARD SMALL BUSINESS

Ink Business Unlimited® Credit Card

4.9

Best for Overall cash-back welcome offer

Annual fee

Rewards rate

1.5%

Cashback

Intro offer

$750

Apply now

on Chase's website

Rates & Fees

Pros

High rewards rate
Intro APR period
No reward caps
New cardholder bonus offer

Cons

No bonus categories

2025 BEST CREDIT CARD

SMALL BUSINESS

Ink Business Unlimited® Credit Card

Best for Overall cash-back welcome offer

4.9

Annual fee

Rewards rate

1.5%

Cashback

Intro offer

$750

Apply now

on Chase's website

Rates & Fees

Pros

High rewards rate
Intro APR period
No reward caps
New cardholder bonus offer

Cons

No bonus categories

Capital One Spark Cash Select

4.6

Best for Unlimited flat-rate cash back

Annual fee

Rewards rate

1.5%-5%

Cashback

Intro offer

$500

Apply now

on Capital One's website

Rates & Fees

Pros

High rewards rate
No reward caps
No foreign transaction fees

Cons

Requires excellent credit
Reports all card activity to consumer credit bureaus
No Intro APR period

Capital One Spark Cash Select

Best for Unlimited flat-rate cash back

4.6

Annual fee

Rewards rate

1.5%-5%

Cashback

Intro offer

$500

Apply now

on Capital One's website

Rates & Fees

Pros

High rewards rate
No reward caps
No foreign transaction fees

Cons

Requires excellent credit
Reports all card activity to consumer credit bureaus
No Intro APR period

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

4.4

Best for Intro APR + bonus categories

Annual fee

Rewards rate

1%-5%

Cashback

Intro offer

$500

Apply now

on U.S. Bank's website

Rates & Fees

Pros

High cash-back bonus rate
No cap on bonus rewards
Intro APR period on purchases and balance transfers
Reports to Dun & Bradstreet
New cardholder bonus offer

Cons

Low rate outside bonus categories
Activity on employee cards does not count toward bonus spending requirement

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

Best for Intro APR + bonus categories

4.4

Annual fee

Rewards rate

1%-5%

Cashback

Intro offer

$500

Apply now

on U.S. Bank's website

Rates & Fees

Pros

High cash-back bonus rate
No cap on bonus rewards
Intro APR period on purchases and balance transfers
Reports to Dun & Bradstreet
New cardholder bonus offer

Cons

Low rate outside bonus categories
Activity on employee cards does not count toward bonus spending requirement

Ink Business Preferred® Credit Card

4.8

Best for Entry-level business travel card

Annual fee

$95

Rewards rate

1x-3x

Points

Intro offer

90,000

Points

Apply now

on Chase's website

Rates & Fees

Pros

New cardholder bonus offer
Transfer partners

Cons

Does not include lounge access or travel credits

Ink Business Preferred® Credit Card

Best for Entry-level business travel card

4.8

Annual fee

$95

Rewards rate

1x-3x

Points

Intro offer

90,000

Points

Apply now

on Chase's website

Rates & Fees

Pros

New cardholder bonus offer
Transfer partners

Cons

Does not include lounge access or travel credits

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

Pros

High rewards rate
Automatic elite status
Free night reward on cardholder anniversary
New cardholder bonus offer

Cons

Rewards have limited flexibility

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

Pros

High rewards rate
Automatic elite status
Free night reward on cardholder anniversary
New cardholder bonus offer

Cons

Rewards have limited flexibility

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

Pros

High rewards rate
No preset spending limit
No foreign transaction fees
New cardholder bonus offer

Cons

High annual fee
Balance must be paid in full every month
High spending requirement to hit bonuses
Requires excellent credit

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

Pros

High rewards rate
No preset spending limit
No foreign transaction fees
New cardholder bonus offer

Cons

High annual fee
Balance must be paid in full every month
High spending requirement to hit bonuses
Requires excellent credit

Capital One Venture X Business

4.9

Best for Welcome offer + annual travel credit

Annual fee

$395

Rewards rate

2x-10x

Miles

Intro offer

150,000

Apply now

on Capital One's website

Rates & Fees

Pros

High rewards rate
New cardholder bonus offer
Priority Pass lounge membership
Annual travel credit, bonus points
Statement credit for Global Entry, TSA PreCheck®

Cons

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

Capital One Venture X Business

Best for Welcome offer + annual travel credit

4.9

Annual fee

$395

Rewards rate

2x-10x

Miles

Intro offer

150,000

Apply now

on Capital One's website

Rates & Fees

Pros

High rewards rate
New cardholder bonus offer
Priority Pass lounge membership
Annual travel credit, bonus points
Statement credit for Global Entry, TSA PreCheck®

Cons

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

Sapphire Reserve for Business℠

4.8

Best for Overall travel points welcome offer

Annual fee

$795

Rewards rate

1x-8x

Points

Intro offer

200,000

Points

Apply now

on Chase's website

Rates & Fees

Pros

New cardholder bonus offer
Annual travel credit
Statement credit for Global Entry, TSA PreCheck®
Airport lounge access for primary cardholder and guests

Cons

High annual fee
Complicated rewards
Requires excellent credit
Purchases that don't qualify for Flex for Business must be paid in full every month

Sapphire Reserve for Business℠

Best for Overall travel points welcome offer

4.8

Annual fee

$795

Rewards rate

1x-8x

Points

Intro offer

200,000

Points

Apply now

on Chase's website

Rates & Fees

Pros

New cardholder bonus offer
Annual travel credit
Statement credit for Global Entry, TSA PreCheck®
Airport lounge access for primary cardholder and guests

Cons

High annual fee
Complicated rewards
Requires excellent credit
Purchases that don't qualify for Flex for Business must be paid in full every month

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

Ink Business Premier® Credit Card : Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
The American Express Blue Business Cash™ Card : Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.
Ink Business Cash® Credit Card : Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card : Get a $300 online statement credit after you make at least $3,000 in net purchases in the first 90 days of your account opening - with no annual fee and cash rewards don't expire as long as your account remains open.

» MORE:

Best cash-back business credit cards

Travel business credit cards with welcome offers

The Business Platinum Card® from American Express : Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
U.S. Bank Business Altitude® Connect Visa Signature® Card : Limited Time Offer: Earn 60,000 bonus points, worth $600 when redeemed for travel, 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 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening.

» MORE:

How to apply for and get a business credit card

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). Big bonuses can have big requirements — as much as $30,000 in three months, depending on the card.

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®

	Ink Business Unlimited® Credit Card	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.	Intro Offer: Earn a $200 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

	Ink Business Preferred® Credit Card	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 75,000 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

	Capital One Venture X Business	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.

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.

Notes from card issuers

View rates and fees of Capital One Spark Cash Plus.

View rates and fees of Capital One Venture X Business.

To view rates and fees of the Marriott Bonvoy Business® American Express® Card, see

this page

Last updated on June 30, 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.

Meet the editorial team

Gregory Karp

Senior writer | Credit cards, personal finance, credit scores

Gregory Karp is a former NerdWallet writer and an expert in personal finance and credit cards. A journalist for more than 30 years, he has been a newspaper reporter and editor, authored two personal finance books and created the "Spending Smart" syndicated newspaper column. His awards include national recognition several times from the Society for Advancing Business Editing and Writing.

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