This page contains the best publicly available credit card offers. With some of the offers shown below, we’ll earn a commission if you click through and are approved for the card. That said, if a better public offer is available, we always show the better offer even if it means no commissions for us. For additional details, see our Advertiser Disclosure. Advertiser partners include American Express, Barclays, Capital One, and CardRatings.com
Are you eligible for a business card?
You must have a business to apply for a business card. That said, its not uncommon for people to have businesses without realizing it. If you regularly sell items on eBay, for example, then you have a business. Similar examples include: consulting, writing (e.g. blog authorship!), handyman services, owning rental property, etc. In any of these cases, your business is considered a Sole Proprietorship unless you form a corporation of some sort. If you want to keep things simple, you can use your own name as the business name and your own social security number as the business Tax ID.
Business Cards and Chase’s 5/24 Rule
| Chase's 5/24 Rule: With most Chase credit cards, Chase will not approve your application if you have opened 5 or more cards with any bank in the past 24 months. To determine your 5/24 status, see: 3 Easy Ways to Count Your 5/24 Status. The easiest option is to track all of your cards for free with Travel Freely. |
Many business cards do not add to 5/24. Chase uses your personal credit report to determine how many cards you've opened in the past 24 months. However, most business credit cards are not routinely reported on personal credit reports. Even Chase's own business cards aren't routinely reported and therefore do not count towards your 5/24 total. That is, if you are under 5/24 you can get approved for a Chase business card. Once approved, that card will not worsen your 5/24 status.
The following banks do report business cards on personal credit reports (and therefore do count towards 5/24):
More:
According to Doctor of Credit, the following banks do not routinely report business accounts to the personal credit bureaus:- American Express (except for Canadian Amex)
- Bank of America
- Barclaycard
- Capital One Spark Cash
- Chase
- Citi
- FNBO
- Navy Federal CU
- PNC
- US Bank
- Wells Fargo
The following banks do report business cards on personal credit reports (and therefore do count towards 5/24):
- Capital One (except the Spark Cash Plus charge card)
- TD Bank
- UBS Bank
Best Business Card Offers
If you’re interested in seeing more than the top 10 offers, simply click “Next” at the bottom of the page, or use the drop down selector at the top to show more than 10 items.
| Annual Fee Ongoing | 1st Year Value Sortable | CARD NAME | welcome bonus min spend or expected spend | Bank | Consumer or Business Card | Base | Card Offer |
|---|---|---|---|---|---|---|---|
| $395 | 9991985 | Capital One Venture X Business Card | $30,000 | CapOne | Business | Base: 2X (2.9%) | ![](http://cdn.nextinsure.com/imaging/opt/069349bf-0ace-40a6-97df-330cb99c73df.png?w=300" alt="Capital One Venture X Business" />) ⓘ $1985 1st Yr Value Estimate$300 travel credit valued at $265 Click to learn about first year value estimates Up to 350K Miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Earn a one-time bonus of 150K miles after $30K spend in the first 3 months and an additional 200,000 miles once you spend $200,000 in the first 6 months. (Rates & Fees) $395 Annual Fee Alternate Offer: There's a 150K + 250K (i.e. 400K total) offer available via a Capital One Private Banker Recent better offer: Expired 3/31/23: 250K Miles after $50K in spend. |
| $695 | 9991950 | The Business Platinum Card® from American Express | $20,000 | Amex | Business | Base: 1X (1.55%) | ![](http://cdn.nextinsure.com/imaging/opt/9f9fa454-a6e1-41eb-8c7c-3d13bcbcb984.png?w=300" alt="The Business Platinum Card® from American Express" />) ⓘ $1950 1st Yr Value Estimate$200 airline incidental fee credit for select airline only valued at $140, $400 Dell credit ($200 per six months) valued at $100, $200 Hilton credit ($50 per quarter) valued at $150, $120 wireless credit ($10 per month) valued at $90, $500 statement credit when purchasing $2,500 of airfare valued at $150 Click to learn about first year value estimates Limited Time Offer: 150K points + $500 statement credit ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 150K points after $20K spend in the first 3 months. 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(R) within the first 3 months of Card Membership.. Terms apply. (Rates & Fees) (Offer Expires 6/30/2025) $695 Annual Fee Recent better offer: 250K after $20K spend expired 2/10/25 |
| $150 | 9991520 | Capital One Spark Cash Plus | $30,000 | CapOne | Business | Base: 2% |  ⓘ $1520 1st Yr Value EstimateClick to learn about first year value estimates $2,000+ Cash Back ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Earn a $2K cash bonus when you spend $30K in the first 3 months + earn an additional $2K bonus for every $500K spent within the first year.. (Rates & Fees) $150 Annual Fee Recent better offer: Expired 3/14/22: $3K after $50K spend in 6 months |
| $150 | 9991385 | The New United℠ Business Card | $5,000 | Chase | Business | Base: 1X (1.3%) |  ⓘ $1385 1st Yr Value EstimateClick to learn about first year value estimates 125K Miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 125K miles after $5K spend in first 3 months. Plus, earn an extra 5,000 miles after you add an authorized user to your account in the first 3 months your account is open. (Offer Expires 5/7/2025) $150 Annual Fee |
| $95 | 9991127 | Ink Business Preferred® Credit Card | $8,000 | Chase | Business | Base: 1X (1.5%) |  ⓘ $1127 1st Yr Value EstimateClick to learn about first year value estimates 90K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 90K after $8K spend in 3 months $95 Annual Fee Recent better offer: 120K after $8K spend (expired 9/4/24) |
| $95 | 9991116 | Alaska Airlines Visa Business Card | $4,000 | Other | Business | Base: 1X (1.5%) |  ⓘ $1116 1st Yr Value EstimateCompanion ticket for $99+taxes and fees valued at $150 Click to learn about first year value estimates 75K miles + Companion Fare Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 75K miles + Companion Fare ($99 fare + taxes) after $4K spend in 3 months $95 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 70K after $4K in 3 months [Expired 4/23] |
| $0 | 9991074 | Ink Business Unlimited® Credit Card | $6,000 | Chase | Business | Base: 1.5X (2.25%) |  ⓘ $1074 1st Yr Value EstimateClick to learn about first year value estimates $750 cash back* ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer $750 (*awarded as 75,000 points) after $6k spend in 3 months No Annual Fee |
| $0 | 9991029 | Ink Business Cash® Credit Card | $6,000 | Chase | Business | Base: 1X (1.5%) |  ⓘ $1029 1st Yr Value EstimateClick to learn about first year value estimates Up to $750 cash back* ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer $350 (*awarded as 35,000 points) after $3K spend in 3 months and an additional $400 (*awarded as 40,000 points) after $6K spend in 6 months. No Annual Fee Recent better offer: 90K after $6K spend in 6 monthd (expired 1/17/24 |
| $99 | 9990965 | Citi® / AAdvantage Business™ World Elite Mastercard® | $5,000 | Citi | Business | Base: 1X (1.4%) |  ⓘ $965 1st Yr Value EstimateClick to learn about first year value estimates 75K miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 75K miles after $5K spend in first 5 months $0 introductory annual fee for the first year, then $99 Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 75K miles after $5K spend in first 5 months (ended 1/21/25) |
| $375 | 9990943 | American Express® Business Gold Card | $15,000 | Amex | Business | Base: 1X (1.55%) | ![](http://cdn.nextinsure.com/imaging/opt/49ef3906-6ee7-4f77-a40b-74728901760e.jpg?w=300" alt="American Express® Business Gold Card" />) ⓘ $943 1st Yr Value EstimateClick to learn about first year value estimates 100K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 100K points after $15K spend in 3 months. Terms apply. (Rates & Fees) $375 Annual Fee Recent better offer: 200K after $15K spend expired 2/10/25 |
Showing 1 to 10 of 50 entries
Calculations
First year values are calculated as: estimated first year value minus estimated first year costs. First year value includes signup bonus points and statement credits. First year costs include the first year annual fee and the opportunity cost of meeting minimum spend requirements.
Please note that valuable perks such as free checked bags, companion passes, airport lounge access, etc. are not included in these calculations.
Full details of how first year value is calculated can be found here: Credit card signup bonus estimation details.
Can’t find what you’re looking for?
Try the CardMatch Tool to see if you are targeted for a better offer than those shown above.
The Discover It Business Card is no longer offered.
[…] has a $200 bonus, but as of now, the bonus is $400 after spending $3,000 in 3 months. I checked Frequent Miler’s Best Business Card Offers and Doctor of Credit’s Best Current Credit Card Sign Up Bonuses and didn’t see this […]
@Greg The Frequent Miler @Nick Reyes Alaska biz is at 40k + $200 SC + companion fare right now.
[…] Best Business Card Offers […]
[…] This is exciting because Chase consistently has great signup bonuses available for their business cards. In fact, as I write this, Chase holds 6 of the 10 top spots on our Best Business Card Offers page. […]
[…] Below are some of the most valuable current welcome bonuses for consumer cards. If you’re interested in business cards, please click here to see the best business card offers. […]
What do you think of the Amazon Business Amex card that effective 10/1/2020 will give 5% back on all Amazon spend up to $120,000 on Amazon.com & Whole Earth which is good towards Amazon purchases? They also offer a bonus of a gift card for $125 on Amazon.
If you spend a lot at Amazon, I think it’s an excellent choice.
Thanks, Greg!!! It’s nice to see that you are still monitoring these posts.
Just got denied for a Chase Ink Business Preferred card. Got a letter stating the reason I was denied was “business structure.” I run a sole proprietorship (IT Consulting) and have thousands in income, and credit score in that letter was nearly perfect (883/900 possible). Not sure why they list sole proprietorship as an option in the application if they no longer approve for it. Bewildering to me…..
[…] Best Business Card Offers […]
Why don’t you list the Barclays AAdvantage Aviator Business card here? Isn’t that a good deal getting 50k AA points after only one purchase?
You are correct. That was an oversight — I did not have that card set as a business card in our system, so the table on this page wasn’t pulling that card. I’ve fixed that.
The Aviator card is now in the 11th spot (on the second page of results).
To answer your question: yes, it’s a good deal to pick up 50K AA miles with a single purchase. This page ranks the best offers based on first year value. That considers the value of any welcome offer minus any first year annual fee and minus the opportunity cost of spending on that card vs a 3% cash back card. The display here is automated based on the math.
[…] cards which do not appear on personal credit reports. You can find our automatically calculated Top N list of business card signup offers here. Note that Capital One is an exception in that they do report business cards to the personal […]
Any idea if the WF Business Platinum card shows on your personal credit reports?
My understanding is that they do not show up on your personal credit report
[…] And once he has decided to start this business, he can apply for business credit cards. Often, business cards have the best signup bonuses. And most business cards do not count towards […]
Got this pop up ad for an 80K Marriott business card. So…it doesn’t report to the bureaus for personal credit (thinking of 5/24 implications here)…but since it’s a Chase card, Chase will still add it to the 24 month rolling count, right?
https://creditcards.chase.com/a1/marriottbusiness/naep/8TK?CELL=641N&jp_cmp=cc/10988188/ext/82740466/146493263
80K is the current public offer for that card. No, I don’t believe it will add to your 5/24 count, but I have received some conflicting datapoints regarding that so I can’t promise you 100%
[…] Chase United MileagePlus Explorer Business: 10K bonus miles after $25K calendar year spend. […]