Best Business Credit Card Sign-Up Bonuses of April 2026
Earn up to $2,000 or up to 200K points with these sign-up bonuses for new cardholders. Plus, check our offer tracker to see how past offers compare.
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Best business credit card sign-up bonuses
Here are our complete picks, in alphabetical order:
- Capital One Spark Cash Plus: Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months and an additional $2,000 cash bonus for every $500K spent during the first year. (See
- Capital One Spark Cash Select: Earn a $750 bonus when you spend $6,000 in the first 3 months of account opening. (See
- Capital One Venture X Business: Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening. (See
- Graphite™ Business Cash Unlimited Card: Earn $1,500 Cash Back in the form of Reward Dollars after you spend $50,000 in purchases on your new Card within the first 6 months of Card Membership. Reward Dollars can be redeemed as statement credits and at Amazon.com checkout. Terms Apply.
- Hilton Honors American Express Business Card: Earn 175,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $8,000 in purchases on the Hilton Honors Business Card in the first six months of Card Membership. Offer ends 4/15/2026. Terms Apply.
- Ink Business Cash® Credit Card: Earn $750 when you spend $6,000 on purchases in the first three months after account opening.
- Ink Business Preferred® Credit Card: Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
- Ink Business Unlimited® Credit Card: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
- Ramp Card: Earn a one-time $1,000 Ramp card upon approval. Limit one per new customer. No minimum spend required.
- Sapphire Reserve for Business℠: Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months 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.
- The Business Platinum Card® from American Express: Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership. Terms apply.
- U.S. Bank Triple Cash Rewards Visa® Business Card: Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
You can apply for the cards highlighted below via NerdWallet's partners. Those relationships do not influence our editorial team's selections. Our small-business writers and editors chose the best business credit card sign-up bonuses based on their independent research and ratings.
Nerdwallet best-of awards
2026 BEST CREDIT CARD SMALL BUSINESS
Ink Business Unlimited® Credit Card
Best for Overall cash-back welcome offer
Annual fee
$0
Rewards rate
1.5%-5%
Cashback
Intro offer
$750
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 Plus
Best for Businesses with big budgets
Annual fee
$150
Rewards rate
2%-5%
Cashback
Intro offer
$2,000
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
Best for Welcome offer + annual travel credit
Annual fee
$395
Rewards rate
2x-10x
Miles
Intro offer
150,000
Miles
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- Priority Pass lounge membership
- Annual travel credit, bonus miles
- Statement credit for Global Entry, TSA PreCheck®
Cons
- High annual fee
- Requires excellent credit
- Balance must be paid in full every month
Capital One Spark Cash Select
Best for Unlimited flat-rate cash back
Annual fee
$0
Rewards rate
1.5%-5%
Cashback
Intro offer
$750
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
Best for Intro APR + bonus categories
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$750
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 Cash® Credit Card
Best for Bonus categories
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$750
on Chase's website
Rates & Fees
Pros
- Intro APR period
- New cardholder bonus offer
- High reward rate in bonus categories
Cons
- Low rate outside bonus categories
- Spending caps on bonus rewards
The Business Platinum Card® from American Express
Best for Luxury travel perks
Annual fee
$895
Rewards rate
1x-5x
Points
Intro offer
200,000
Points
on American Express' website
Rates & Fees
Pros
- Lounge membership
- Transfer partners
- Automatic elite status
- Annual statement credit for travel, business expenses
- New cardholder bonus offer
Cons
- High annual fee
- Low ongoing rewards rate
Ink Business Preferred® Credit Card
Best for Entry-level business travel card
Annual fee
$95
Rewards rate
1x-5x
Points
Intro offer
100,000
Points
on Chase's website
Rates & Fees
Pros
- New cardholder bonus offer
- Transfer partners
Cons
- Does not include lounge access or travel credits
Sapphire Reserve for Business℠
Best for Overall travel points welcome offer
Annual fee
$795
Rewards rate
1x-8x
Points
Intro offer
150,000
Points
on Chase's website
Rates & Fees
Pros
- New cardholder bonus offer
- Annual travel credit
- Statement credit for Global Entry, TSA PreCheck® or NEXUS
- 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
Graphite™ Business Cash Unlimited Card
Best for Long bonus spending window
Annual fee
$295
Rewards rate
2%-5%
Cashback
Intro offer
$1,500
on American Express' website
Rates & Fees
Pros
- High rewards rate, no spending cap
- No foreign transaction fees
- New cardholder bonus offer
Cons
- High annual fee
- No premium benefits
Southwest® Rapid Rewards® Performance Business Credit Card
Best for Airline business credit card bonus offer
Annual fee
$299
Rewards rate
1x-4x
Points
Intro offer
80,000
Points
on Chase's website
Rates & Fees
Pros
- High rewards rate
- No reward caps
- Anniversary bonus points
- Credits for upgraded boarding, in-flight Wi-Fi
- Statement credit for Global Entry, TSA PreCheck® or NEXUS
- New cardholder bonus offer
Cons
- Rewards have limited flexibility
- Does not include lounge access
The Hilton Honors American Express Business Card
Best for Hotel business card welcome offer
Annual fee
$195
Rewards rate
3x-12x
Points
Intro offer
175,000 Points + Free Night Reward
Points
on American Express' website
Rates & Fees
Pros
- High rewards rate
- Automatic elite status
- New cardholder bonus offer
- Annual Hilton travel credit
Cons
- High annual fee
- No free anniversary night
- Rewards have limited flexibility
Ramp Card
Best for Corporate card welcome offer
Annual fee
$0
Rewards rate
1%-1.5%
Cashback
Intro offer
$1,000
on Ramp's website
Pros
- No annual fee or foreign transaction fees
- No personal guarantee or credit check
- Direct integrations with tools and card-level spending controls
- Rewards do not expire
- Card-level spending controls
Cons
- Not available to sole proprietors
- Rewards rate varies and is determined per customer
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Cash Back - Points
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- No Annual Fee
- 0% intro APR
- Excellent (720+)
- Good (690+)
- Fair (630+)
- Bad (<629)
- No credit check
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Showing 0 out of 13 cards
Nerdwallet best-of awards
2026 BEST CREDIT CARD SMALL BUSINESS
Ink Business Unlimited® Credit Card
Best for Overall cash-back welcome offer
Annual fee
$0
Rewards rate
1.5%-5%
Cashback
Intro offer
$750
on Chase's website
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
The Ink Business Unlimited® Credit Card's new welcome offer is one of the best around, but it won't last for long.
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
The Ink Business Unlimited® Credit Card's new welcome offer is one of the best around, but it won't last for long.
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
Capital One Spark Cash Plus
Best for Businesses with big budgets
Annual fee
$150
Rewards rate
2%-5%
Cashback
Intro offer
$2,000
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
This charge card's massive welcome offer has a spending requirement to match, making it best suited to businesses with substantial expenses and cash flow.
- Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
- Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
- Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
- Enjoy big purchasing power so you can spend more and earn more rewards. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
- Streamline your accounts payable process, employee spending, and more from your online account with free business management tools
- Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards
- $150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
- Spark Cash Plus has no APR because your balance is due in full every month
- For businesses that need large spending capacity and want to maximize cash back
- Top rated mobile app
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
This charge card's massive welcome offer has a spending requirement to match, making it best suited to businesses with substantial expenses and cash flow.
- Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
- Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
- Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
- Enjoy big purchasing power so you can spend more and earn more rewards. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
- Streamline your accounts payable process, employee spending, and more from your online account with free business management tools
- Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards
- $150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
- Spark Cash Plus has no APR because your balance is due in full every month
- For businesses that need large spending capacity and want to maximize cash back
- Top rated mobile app
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
Best for Welcome offer + annual travel credit
Annual fee
$395
Rewards rate
2x-10x
Miles
Intro offer
150,000
Miles
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- Priority Pass lounge membership
- Annual travel credit, bonus miles
- Statement credit for Global Entry, TSA PreCheck®
Cons
- High annual fee
- Requires excellent credit
- Balance must be paid in full every month
This premium business travel card comes with a baller welcome offer, plus other enticing perks, like an annual travel credit, airport lounge access and a statement credit for TSA PreCheck® or Global Entry application fees. Terms apply.
- Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
- Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
- Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel
- With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
- Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
- Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One Business Travel
- Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- This is a pay-in-full card, so your balance is due in full every month
- Top rated mobile app
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- Priority Pass lounge membership
- Annual travel credit, bonus miles
- Statement credit for Global Entry, TSA PreCheck®
Cons
- High annual fee
- Requires excellent credit
- Balance must be paid in full every month
This premium business travel card comes with a baller welcome offer, plus other enticing perks, like an annual travel credit, airport lounge access and a statement credit for TSA PreCheck® or Global Entry application fees. Terms apply.
- Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
- Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
- Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel
- With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
- Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
- Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One Business Travel
- Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- This is a pay-in-full card, so your balance is due in full every month
- Top rated mobile app
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- Priority Pass lounge membership
- Annual travel credit, bonus miles
- Statement credit for Global Entry, TSA PreCheck®
Cons
- High annual fee
- Requires excellent credit
- Balance must be paid in full every month
Capital One Spark Cash Select
Best for Unlimited flat-rate cash back
Annual fee
$0
Rewards rate
1.5%-5%
Cashback
Intro offer
$750
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
This card's pairing of a generous, attainable sign-up bonus with no annual fee and unlimited flat-rate cash back makes it a winner.
- Earn a $750 bonus when you spend $6,000 in the first 3 months of account opening
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
- No annual fee
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
- Rewards won't expire for the life of the account
- Redeem your cash back rewards for any amount
- Free employee cards, which also earn unlimited 1.5% cash back on all purchases
- $0 Fraud Liability for unauthorized charges
- Top rated mobile app
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
This card's pairing of a generous, attainable sign-up bonus with no annual fee and unlimited flat-rate cash back makes it a winner.
- Earn a $750 bonus when you spend $6,000 in the first 3 months of account opening
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
- No annual fee
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
- Rewards won't expire for the life of the account
- Redeem your cash back rewards for any amount
- Free employee cards, which also earn unlimited 1.5% cash back on all purchases
- $0 Fraud Liability for unauthorized charges
- Top rated mobile app
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
Best for Intro APR + bonus categories
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$750
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
This card has a solid welcome offer, great rewards (up to 3% back in select categories, with no cap on bonus rewards) and a long intro APR period for purchases and balance transfers.
- Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
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
This card has a solid welcome offer, great rewards (up to 3% back in select categories, with no cap on bonus rewards) and a long intro APR period for purchases and balance transfers.
- Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
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 Cash® Credit Card
Best for Bonus categories
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$750
on Chase's website
Rates & Fees
Pros
- Intro APR period
- New cardholder bonus offer
- High reward rate in bonus categories
Cons
- Low rate outside bonus categories
- Spending caps on bonus rewards
This is great option for new business owners, with a high cash-back rate on office supply stores and on internet, cable and phone services (for up to $25,000 in combined spending each anniversary year).
- Earn $750 when you spend $6,000 on purchases in the first three months after account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases on dining and gas each account anniversary year. Earn 1% cash back on all other purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Complimentary three-month lnstacart+ membership.
- 0% introductory APR for 12 months on purchases
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
Rates & Fees
Pros
- Intro APR period
- New cardholder bonus offer
- High reward rate in bonus categories
Cons
- Low rate outside bonus categories
- Spending caps on bonus rewards
This is great option for new business owners, with a high cash-back rate on office supply stores and on internet, cable and phone services (for up to $25,000 in combined spending each anniversary year).
- Earn $750 when you spend $6,000 on purchases in the first three months after account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases on dining and gas each account anniversary year. Earn 1% cash back on all other purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Complimentary three-month lnstacart+ membership.
- 0% introductory APR for 12 months on purchases
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
Rates & Fees
Pros
- Intro APR period
- New cardholder bonus offer
- High reward rate in bonus categories
Cons
- Low rate outside bonus categories
- Spending caps on bonus rewards
The Business Platinum Card® from American Express
Best for Luxury travel perks
Annual fee
$895
Rewards rate
1x-5x
Points
Intro offer
200,000
Points
on American Express' website
Rates & Fees
Pros
- Lounge membership
- Transfer partners
- Automatic elite status
- Annual statement credit for travel, business expenses
- New cardholder bonus offer
Cons
- High annual fee
- Low ongoing rewards rate
This card pumped up its welcome offer in September 2025. It hiked up its annual fee, too. But the elevated bonus more than offsets that increase for your first year.
- Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
- See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
- Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
- Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR® Plus Membership (subject to auto-renewal).
- Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
- Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
- Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
- Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
- Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
- Enhanced! 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- 5X points on flights and prepaid hotels on AmexTravel.com
- 1X points on other eligible purchases
- $895 Annual Fee.
- Terms Apply.
Rates & Fees
Pros
- Lounge membership
- Transfer partners
- Automatic elite status
- Annual statement credit for travel, business expenses
- New cardholder bonus offer
Cons
- High annual fee
- Low ongoing rewards rate
This card pumped up its welcome offer in September 2025. It hiked up its annual fee, too. But the elevated bonus more than offsets that increase for your first year.
- Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
- See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
- Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
- Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR® Plus Membership (subject to auto-renewal).
- Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
- Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
- Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
- Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
- Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
- Enhanced! 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- 5X points on flights and prepaid hotels on AmexTravel.com
- 1X points on other eligible purchases
- $895 Annual Fee.
- Terms Apply.
Rates & Fees
Pros
- Lounge membership
- Transfer partners
- Automatic elite status
- Annual statement credit for travel, business expenses
- New cardholder bonus offer
Cons
- High annual fee
- Low ongoing rewards rate
Ink Business Preferred® Credit Card
Best for Entry-level business travel card
Annual fee
$95
Rewards rate
1x-5x
Points
Intro offer
100,000
Points
on Chase's website
Rates & Fees
Pros
- New cardholder bonus offer
- Transfer partners
Cons
- Does not include lounge access or travel credits
This is one of our favorite business travel cards. It's not the most premium option. But its sign-up bonus is far more attainable than those luxury cards. And of course, its fee is much less, too.
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Earn 5x total points on Lyft rides through 9/30/27.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Receive complimentary access to DashPass by DoorDash.
- Member FDIC
Rates & Fees
Pros
- New cardholder bonus offer
- Transfer partners
Cons
- Does not include lounge access or travel credits
This is one of our favorite business travel cards. It's not the most premium option. But its sign-up bonus is far more attainable than those luxury cards. And of course, its fee is much less, too.
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Earn 5x total points on Lyft rides through 9/30/27.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Receive complimentary access to DashPass by DoorDash.
- Member FDIC
Rates & Fees
Pros
- New cardholder bonus offer
- Transfer partners
Cons
- Does not include lounge access or travel credits
Sapphire Reserve for Business℠
Best for Overall travel points welcome offer
Annual fee
$795
Rewards rate
1x-8x
Points
Intro offer
150,000
Points
on Chase's website
Rates & Fees
Pros
- New cardholder bonus offer
- Annual travel credit
- Statement credit for Global Entry, TSA PreCheck® or NEXUS
- 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
Chase launched this card in June 2025 with a welcome offer that shows it isn't messing around. You'll have to pay a massive, industry-high annual fee to get this card. But the total number of points you can earn tops the market, too.
- Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening.
- $6,000+ in value your first year. 150K points, valued at $3,000 for select flights and hotels through Chase Travel℠, plus $3,000+ in annual value through travel and business benefits.
- Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
- Earn 5x total points on Lyft rides through 9/30/27.
- Earn 4x points on flights & hotels booked direct.
- Earn 3x points on social media & search engine advertising.
- Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
- Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
- Member FDIC
Rates & Fees
Pros
- New cardholder bonus offer
- Annual travel credit
- Statement credit for Global Entry, TSA PreCheck® or NEXUS
- 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
Chase launched this card in June 2025 with a welcome offer that shows it isn't messing around. You'll have to pay a massive, industry-high annual fee to get this card. But the total number of points you can earn tops the market, too.
- Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening.
- $6,000+ in value your first year. 150K points, valued at $3,000 for select flights and hotels through Chase Travel℠, plus $3,000+ in annual value through travel and business benefits.
- Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
- Earn 5x total points on Lyft rides through 9/30/27.
- Earn 4x points on flights & hotels booked direct.
- Earn 3x points on social media & search engine advertising.
- Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
- Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
- Member FDIC
Rates & Fees
Pros
- New cardholder bonus offer
- Annual travel credit
- Statement credit for Global Entry, TSA PreCheck® or NEXUS
- 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
Graphite™ Business Cash Unlimited Card
Best for Long bonus spending window
Annual fee
$295
Rewards rate
2%-5%
Cashback
Intro offer
$1,500
on American Express' website
Rates & Fees
Pros
- High rewards rate, no spending cap
- No foreign transaction fees
- New cardholder bonus offer
Cons
- High annual fee
- No premium benefits
Earn unlimited 2% cash back and get a six-month window to earn the welcome offer on AmEx's newest business credit card. Terms apply.
- Earn $1,500 Cash Back in the form of Reward Dollars after you spend $50,000 in purchases on your new Card within the first 6 months of Card Membership. Reward Dollars can be redeemed as statement credits and at Amazon.com checkout.
- Start saving while you spend. Get unlimited 2% cash back* in Reward Dollars on all eligible purchases. *Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
- Get more for your travels with 5% cash back* on flights and prepaid hotel bookings through American Express Travel® Online. Purchases eligible for multiple cash back rates will only receive the highest eligible cash back rate.
- No Preset Spending Limit. The spending limit on this Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
- Pay Over Time gives you the ability to carry a balance with interest up to your Pay Over Time Limit, so you can handle expected and unexpected expenses that come your way.
- Your business, your choice: metal Employee Graphite™ Business Cash Unlimited Card for $95 Annual Fee for the first 5 Cards, $95 Annual Fee for each thereafter, or plastic Employee Business Expense Card for no Annual Fee.
- Unlock up to $2,400 in statement credits for use in the next calendar year on American Express One AP® monthly fees** after spending $250,000 on eligible purchases on the Graphite™ Business Cash Unlimited Card this calendar year. Terms apply. **Monthly fees include an auto-renewing platform access fee.
- Terms apply.
Rates & Fees
Pros
- High rewards rate, no spending cap
- No foreign transaction fees
- New cardholder bonus offer
Cons
- High annual fee
- No premium benefits
Earn unlimited 2% cash back and get a six-month window to earn the welcome offer on AmEx's newest business credit card. Terms apply.
- Earn $1,500 Cash Back in the form of Reward Dollars after you spend $50,000 in purchases on your new Card within the first 6 months of Card Membership. Reward Dollars can be redeemed as statement credits and at Amazon.com checkout.
- Start saving while you spend. Get unlimited 2% cash back* in Reward Dollars on all eligible purchases. *Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
- Get more for your travels with 5% cash back* on flights and prepaid hotel bookings through American Express Travel® Online. Purchases eligible for multiple cash back rates will only receive the highest eligible cash back rate.
- No Preset Spending Limit. The spending limit on this Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
- Pay Over Time gives you the ability to carry a balance with interest up to your Pay Over Time Limit, so you can handle expected and unexpected expenses that come your way.
- Your business, your choice: metal Employee Graphite™ Business Cash Unlimited Card for $95 Annual Fee for the first 5 Cards, $95 Annual Fee for each thereafter, or plastic Employee Business Expense Card for no Annual Fee.
- Unlock up to $2,400 in statement credits for use in the next calendar year on American Express One AP® monthly fees** after spending $250,000 on eligible purchases on the Graphite™ Business Cash Unlimited Card this calendar year. Terms apply. **Monthly fees include an auto-renewing platform access fee.
- Terms apply.
Rates & Fees
Pros
- High rewards rate, no spending cap
- No foreign transaction fees
- New cardholder bonus offer
Cons
- High annual fee
- No premium benefits
Southwest® Rapid Rewards® Performance Business Credit Card
Best for Airline business credit card bonus offer
Annual fee
$299
Rewards rate
1x-4x
Points
Intro offer
80,000
Points
on Chase's website
Rates & Fees
Pros
- High rewards rate
- No reward caps
- Anniversary bonus points
- Credits for upgraded boarding, in-flight Wi-Fi
- Statement credit for Global Entry, TSA PreCheck® or NEXUS
- New cardholder bonus offer
Cons
- Rewards have limited flexibility
- Does not include lounge access
- Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
- 9,000 bonus points after your Cardmember anniversary.
- Earn 4X pts on Southwest® purchases.
- Earn 2 points for every $1 you spend at gas stations and restaurants
- Earn 2X points on hotel accommodations booked directly with the hotel
- Earn 2X points on local transit and commuting, including rideshare.
- First checked bag free for Cardmembers and up to 8 additional passengers in the same reservation.
- Cardmembers and up to 8 passengers in the same reservation will board with Group 5 giving them earlier access to overhead bins.
- Member FDIC
Rates & Fees
Pros
- High rewards rate
- No reward caps
- Anniversary bonus points
- Credits for upgraded boarding, in-flight Wi-Fi
- Statement credit for Global Entry, TSA PreCheck® or NEXUS
- New cardholder bonus offer
Cons
- Rewards have limited flexibility
- Does not include lounge access
- Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
- 9,000 bonus points after your Cardmember anniversary.
- Earn 4X pts on Southwest® purchases.
- Earn 2 points for every $1 you spend at gas stations and restaurants
- Earn 2X points on hotel accommodations booked directly with the hotel
- Earn 2X points on local transit and commuting, including rideshare.
- First checked bag free for Cardmembers and up to 8 additional passengers in the same reservation.
- Cardmembers and up to 8 passengers in the same reservation will board with Group 5 giving them earlier access to overhead bins.
- Member FDIC
Rates & Fees
Pros
- High rewards rate
- No reward caps
- Anniversary bonus points
- Credits for upgraded boarding, in-flight Wi-Fi
- Statement credit for Global Entry, TSA PreCheck® or NEXUS
- New cardholder bonus offer
Cons
- Rewards have limited flexibility
- Does not include lounge access
The Hilton Honors American Express Business Card
Best for Hotel business card welcome offer
Annual fee
$195
Rewards rate
3x-12x
Points
Intro offer
175,000 Points + Free Night Reward
Points
on American Express' website
Rates & Fees
Pros
- High rewards rate
- Automatic elite status
- New cardholder bonus offer
- Annual Hilton travel credit
Cons
- High annual fee
- No free anniversary night
- Rewards have limited flexibility
Most hotel business credit cards have welcome offers. How good they are depends almost entirely on if you stay at a hotel's properties. But if you don't already have a favorite, we think The Hilton Honors American Express Business Card offers the most value currently.
- Earn 175,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $8,000 in purchases on the Hilton Honors Business Card in the first six months of Card Membership. Offer ends 4/15/2026.
- Get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card.
- Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors™ Gold Status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay.
- Earn 12X Hilton Honors Bonus Points on eligible purchases made directly with hotels and resorts within the Hilton portfolio.
- Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X Points thereafter.
- You may receive an upgrade to Hilton Honors™ Diamond Status through the end of the next calendar year if the total eligible purchases that you spend on your Card Account during a calendar year reach $40,000 or more.
- Terms apply.
Rates & Fees
Pros
- High rewards rate
- Automatic elite status
- New cardholder bonus offer
- Annual Hilton travel credit
Cons
- High annual fee
- No free anniversary night
- Rewards have limited flexibility
Most hotel business credit cards have welcome offers. How good they are depends almost entirely on if you stay at a hotel's properties. But if you don't already have a favorite, we think The Hilton Honors American Express Business Card offers the most value currently.
- Earn 175,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $8,000 in purchases on the Hilton Honors Business Card in the first six months of Card Membership. Offer ends 4/15/2026.
- Get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card.
- Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors™ Gold Status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay.
- Earn 12X Hilton Honors Bonus Points on eligible purchases made directly with hotels and resorts within the Hilton portfolio.
- Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X Points thereafter.
- You may receive an upgrade to Hilton Honors™ Diamond Status through the end of the next calendar year if the total eligible purchases that you spend on your Card Account during a calendar year reach $40,000 or more.
- Terms apply.
Rates & Fees
Pros
- High rewards rate
- Automatic elite status
- New cardholder bonus offer
- Annual Hilton travel credit
Cons
- High annual fee
- No free anniversary night
- Rewards have limited flexibility
Ramp Card
Best for Corporate card welcome offer
Annual fee
$0
Rewards rate
1%-1.5%
Cashback
Intro offer
$1,000
on Ramp's website
Pros
- No annual fee or foreign transaction fees
- No personal guarantee or credit check
- Direct integrations with tools and card-level spending controls
- Rewards do not expire
- Card-level spending controls
Cons
- Not available to sole proprietors
- Rewards rate varies and is determined per customer
The main draw of a corporate card isn't getting a big welcome offer. But the Ramp Card makes a compelling argument against that, especially after doubling its bonus in March 2026.
- Get a $1,000 Ramp card upon approval. Limit one per new customer. No minimum spend required.
- Eliminate expense reports with automated receipt capture via SMS, mobile app, and integrations with Gmail, Lyft, and more.
- Control wasteful spending before it happens with built-in vendor and category restrictions.
- Complete visibility into corporate spending to help guide strategic business decisions.
- Seamless accounting and ERP integrations including QuickBooks, NetSuite, Xero, and more.
- Speed up monthly close with automated coding and reconciliation.
- Up to 30x higher credit limits than traditional business credit cards.
- Up to $350k partner rewards (AWS, UPS, Amazon Business, and more).
- No personal credit check or personal guarantee required.
- Up to 1.5% cashback on all card spend.
- Get approved in less than 48 hours.
- No annual fee or foreign transaction fees.
- Issue unlimited virtual cards and physical cards for each employee.
- Ramp is a corporate charge card powered by Visa. Businesses are required to pay the monthly balance in full by each statement period.
- Must have at least $25,000 in cash in any U.S. business bank account to qualify.
- Must have most of your operations and corporate spend in the US (although Ramp does support international transactions and will waive all related transaction fees).
- Ramp is only available to corporations, LLCs and limited partnerships. Individuals, sole proprietorships and unregistered businesses are not eligible.
Pros
- No annual fee or foreign transaction fees
- No personal guarantee or credit check
- Direct integrations with tools and card-level spending controls
- Rewards do not expire
- Card-level spending controls
Cons
- Not available to sole proprietors
- Rewards rate varies and is determined per customer
The main draw of a corporate card isn't getting a big welcome offer. But the Ramp Card makes a compelling argument against that, especially after doubling its bonus in March 2026.
- Get a $1,000 Ramp card upon approval. Limit one per new customer. No minimum spend required.
- Eliminate expense reports with automated receipt capture via SMS, mobile app, and integrations with Gmail, Lyft, and more.
- Control wasteful spending before it happens with built-in vendor and category restrictions.
- Complete visibility into corporate spending to help guide strategic business decisions.
- Seamless accounting and ERP integrations including QuickBooks, NetSuite, Xero, and more.
- Speed up monthly close with automated coding and reconciliation.
- Up to 30x higher credit limits than traditional business credit cards.
- Up to $350k partner rewards (AWS, UPS, Amazon Business, and more).
- No personal credit check or personal guarantee required.
- Up to 1.5% cashback on all card spend.
- Get approved in less than 48 hours.
- No annual fee or foreign transaction fees.
- Issue unlimited virtual cards and physical cards for each employee.
- Ramp is a corporate charge card powered by Visa. Businesses are required to pay the monthly balance in full by each statement period.
- Must have at least $25,000 in cash in any U.S. business bank account to qualify.
- Must have most of your operations and corporate spend in the US (although Ramp does support international transactions and will waive all related transaction fees).
- Ramp is only available to corporations, LLCs and limited partnerships. Individuals, sole proprietorships and unregistered businesses are not eligible.
Pros
- No annual fee or foreign transaction fees
- No personal guarantee or credit check
- Direct integrations with tools and card-level spending controls
- Rewards do not expire
- Card-level spending controls
Cons
- Not available to sole proprietors
- Rewards rate varies and is determined per customer
Jump to
What's new with business card welcome offers?
How we chose the best business credit card sign-up bonuses
Other good business credit card welcome offers
What is a business credit card sign-up bonus?
How do business credit card welcome offers compare with personal cards?
How to compare business credit card bonuses
Table of contents
- What's new with business card welcome offers?
- How we chose the best business credit card sign-up bonuses
- Other good business credit card welcome offers
- What is a business credit card sign-up bonus?
- How do business credit card welcome offers compare with personal cards?
- How to compare business credit card bonuses
What's new with business card welcome offers?
The toughest thing about a business card welcome offer can be knowing if "now" is a good time to apply. Our editorial team created this bonus tracker to help. Here's what to know about it.
- How recent is this information? We aim to list roughly the previous 12 months of offers. This can show when an issuer has updated bonuses in the past year. You can also see how long limited-time offers have lasted. There's no guarantee such timing will happen again. But this info can give you a sense of when to take action.
- How do you keep these offers up-to-date? NerdWallet has a dedicated data quality team that alerts our writers and editors about bonus changes. We update our pages accordingly, including this tracker. Many of the offers listed may now be expired or out-of-date. They're here solely for informational purposes.
- What welcome bonuses are included? Our writers and editors focus on widely available business cards. As a result, this tracker covers most major cards from most major issuers. It is not all-encompassing. This tracker also highlights changes to bonuses, not their current values. We list those elsewhere on this page.
How we chose the best business credit card sign-up bonuses
Our writers and editors monitor roughly 70 business credit cards. We evaluate them on a number of factors, including annual fees and rewards. But this page is all about how good a card's bonus offer is. We determine that by looking at the following:
- How much money you'll get. That's easy to tell for cash-back business cards. For cards with bonus points or miles, we convert those rewards to a cash equivalent based on NerdWallet's redemption values.
- How much you have to spend. Bigger bonuses typically have bigger spend requirements. We want to make sure you're actually getting more for your money. (Learn how to calculate this yourself.)
- How long you have to earn a bonus. The standard is 90 days. Some business cards double that length, though. Extra runway won't make an offer more valuable. But it can make it easier to obtain, especially if you have to spend a lot.
Other good business credit card welcome offers
The following business card sign-up bonuses are potentially less valuable or harder to get than our top picks. But they may make sense for you based on your spending habits or personal preferences.
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 $750 when you spend $6,000 on purchases in the first three months after account opening.
- Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card: Get a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
Travel business credit cards with welcome offers
- Marriott Bonvoy Business® American Express® Card: Earn 3 Free Night Awards after you spend $6,000 in purchases and an extra 2 Free Night Awards after you spend an additional $3,000 in purchases on the Card within the first 6 months of Card Membership. Terms apply.
- U.S. Bank Business Altitude® Connect Visa Signature® Card: Earn 75,000 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). 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®
| 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. | 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 100,000 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
| Card type | Business. | Personal. |
| Annual fee | $395. (See | $395. (See |
| 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. |
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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. Nerdy Tip
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 of Capital One Spark Cash Plus.
View of Capital One Venture X Business.
To view rates and fees of The Business Platinum Card® from American Express, see this page.
To view rates and fees of the Marriott Bonvoy Business® American Express® Card, see this page.
To view rates and fees of The Hilton Honors American Express Business Card, see this page.
Methodology
NerdWallet's writers and editors monitor more than 70 business credit cards to select the best options 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).
We consider more than 20 data points for each card we score, including detailed information about rewards, credits and fees. We gather this information from rates and fees documents, deposit account agreements, financial institution websites and company representatives.
Our editorial team regularly reviews and updates our data to ensure consistency and accuracy. We also update our scoring on an ongoing basis to reflect changing industry norms and business owner needs. For instance, in 2026, we added a small deduction for cards that don’t allow users to issue virtual cards and removed the small increase for cards with no preset spending limit.
Final star ratings range from one to five stars. A five-star score represents the best available product for the largest number of business owners. Learn how NerdWallet rates small-business credit cards.