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Small Business Credit Cards With Big Sign-up Bonuses

Feb. 25, 2015
Business Credit Cards, Credit Cards, Small Business
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  • Capital One® Spark® Cash for Business

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Getting a business credit card for your company will simplify expense tracking and may help build your business credit score. But it’s also nice to get a little something for signing on the dotted line.

Here are three business credit cards that offer a welcome bonus worth $250 or more, plus some Nerd commentary about which one is best for you:

Best for cash back: Capital One® Spark® Cash for Business

If simplicity is the name of your game, a card that earns a solid cash-back rate is probably best. The Capital One® Spark® Cash for Business is a good option, because you’ll earn an unlimited 2% cash back on every dollar you spend.

You won’t have to worry about bonus rewards categories or bumping up against a spending cap, and redeeming is hassle-free. For many small business owners, having one less thing to manage will come as a relief.

In terms of a sign-up bonus, the Capital One® Spark® Cash for Business comes with a solid offer: Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening. Also, it charges no foreign transaction fees, and the annual fee is $0 intro for the first year, then $95. This is a great card for time-strapped executives to consider.

Best for big spenders: The Business Platinum Card® from American Express

If the preset spending limit on your current business credit card is getting you down, you might want to consider a charge card like The Business Platinum Card® from American Express, instead. You’ll be able to handle big purchases a little more easily than you would with a conventional credit card, which many business owners find convenient. But just be sure you’re able to pay it off in full each month.

In terms of rewards, you’ll earn 1 Membership Rewards point for every dollar you spend and 5 Membership Rewards points on flights and prepaid hotels booked directly through American Express. Individual purchases of $5,000 or more earn 1.5 points per dollar. You’ll also get a full suite of travel benefits to make your time spent on the road a little more convenient and luxurious. These include:

  • Airport lounge access
  • 24/7 concierge service
  • Automatic Gold status in Hilton Honors and Gold Elite status in Marriott Bonvoy
  • Annual $200 air travel credit, to be used to offset the cost of incidental, flight-related expenses
  • Reimbursement for Global Entry or TSA PreCheck application fees
  • No foreign transaction fees

The Business Platinum Card® from American Express comes with a big welcome bonus: Earn 75,000 Membership Rewards® points after you spend $15,000 on qualifying purchases within your first 3 months of Card Membership. Terms apply. But all these perks don’t come cheap. The annual fee is $595. However, the card is chock full of benefits that many business travelers value. If you think you’ll get good use out of them, we say go for it.

To view rates and fees of the Starwood Preferred Guest® Credit Card from American Express, please visit this page.

To view rates and fees of the The Business Platinum Card® from American Express, please visit this page.

Lindsay Konsko is a staff writer covering credit cards and consumer credit for NerdWallet. Follow her on Twitter @lkonsko and on Google+.

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