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.
| Card Offer |
|---|
250K points ⓘ Friend-Referral 250K points after $20K spend in the first 3 months. Terms apply. (Rates & Fees)$695 Annual Fee Alternate Offer: Targeted online offer of 250K points after $15K spend in the first 3 months See this post for details. 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. |
200K points ⓘ Friend-Referral 200K points after $15K spend in 3 months. Terms apply. (Rates & Fees)$375 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: None. This is the best we've ever seen. |
150K Miles ⓘ Affiliate Earn a one-time bonus of 150K miles after $30K spend in the first 3 months$395 Annual Fee Recent better offer: Expired 3/31/23: 250K Miles after $50K in spend. |
$2,000+ Cash Back ⓘ Affiliate 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 |
90K points ⓘ Affiliate 90K after $8K spend in 3 months$95 Annual Fee Alternate Offer: There is an in-branch offer of 120K points after $8K in purchases in the first 3 months. Recent better offer: 120K after $8K spend (expired 9/4/24) |
75K points ⓘ Affiliate 75K after $6K spend in 3 monthsNo Annual Fee Alternate Offer: You may be able to get an offer of 120,000 points after $6,000 in purchases via a Business Relationship Manager. |
Up to 75K points ⓘ Affiliate 35K after $3K spend in 3 months and an additional 40K points after $6K spend in 6 months. No Annual Fee Alternate Offer: If you have a household member with an Ink card, you may prefer the referral offer whereby the referrer can earn 40,000 points and the new account holder can earn 75,000 points after $6,000 in purchases in the first 3 months since it will yield more total points. Recent better offer: 90K after $6K spend in 6 monthd (expired 1/17/24 |
60k miles ⓘ Affiliate 60K after $4K spend in first 6 months. Terms and limitations apply. (Rates & Fees)$0 introductory annual fee for the first year, then $150 |
75K Miles ⓘ Affiliate 75K miles after $5K spend in first 3 months.$0 introductory annual fee for the first year, then $99 After clicking through, be sure to click the link at the top that says, "Are you a small business owner?" to see the business card offers that include this card. You are not eligible for the bonus if you have received the bonus on this card within the past 24 months. Please note that the United EXPLORER Business card (no longer available) is a different product and does not affect your ability to get the bonus on this card. |
75K miles ⓘ Non-Affiliate 75K miles after $5K spend in first 5 months$0 introductory annual fee for the first year, then $99 Alternate Offer: There is an alternative offer of 30K + $400 credit that can be found when doing a dummy booking on aa.com. 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. |
80K points ⓘ Affiliate 80K points after $5K spend within first 3 months your account is open$199 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). |
60K points ⓘ Affiliate 60K after $5,000 spend in 3 months.$199 Annual Fee This card is subject to Chase's 5/24 rule. |
140K points ⓘ Affiliate Earn 1400K points after $4K spend within the first 3 months.$99 Annual Fee This card is expected to be subject to Chase's 5/24 rule (click here for details). Recent better offer: 200K after $9k spend in 6 months (expired 11/9/24) |
50K Miles ⓘ Affiliate Earn a one-time 50K miles bonus when you spend $4,500 in the first 3 months. (Rates & Fees)$0 introductory annual fee for the first year, then $95 |
$1,000 Cash Back ⓘ Affiliate $1K after $10K Spend in 3 Months$195 Annual Fee Alternate Offer: Some have been targeted for 150K after $10K spend via mailer or in the "Just for You" section of their online account. |
175K Points ⓘ Affiliate 175K after $8K spend in first 6 months. Terms apply. (Rates & Fees) (Offer Expires 1/8/2025)$195 Annual Fee Recent better offer: None |
60K points ⓘ Affiliate 60K points after $3K spend within first 3 months your account is open$99 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). |
50K Miles ⓘ Friend-Referral 50K after $4,500 spend in 3 months from account openingNo Annual Fee Note: Most Capital One Business credit cards (including this one) DO count against Chase's 5/24 Rule 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. |
$750 Cash Back ⓘ Affiliate Earn a $750 cash bonus when you spend $7,500 within the first 3 months. $0 introductory annual fee for the first year, then $95 |
$750 Cash Back ⓘ Non-Affiliate $750 cash back after $6000 spend on the account owner's card in first 150 daysNo Annual Fee Keep in mind that only spend on the Account Owner's card counts toward minimum spending requirements, spend on employee cards does not count. 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. |
Up to 60K Miles ⓘ Non-Affiliate Up to 60K miles: 50K bonus miles after spending $4K in first 90 days + additional 10K miles after a purchase is made on an employee card in the first 90 days$99 Annual Fee |
3 Free Night Awards, valued at up to 50K points each ⓘ Affiliate Three 50k free night certificates after $6K spend in the first 6 months. Redemption level up to 50,000 Marriott Bonvoy(R) points for each bonus Free Night Award, at hotels participating in Marriott Bonvoy(R). Resort fees & terms apply. (Rates & Fees)$125 Annual Fee Recent better offer: 5x50K free night certificates after $8K in spend (expired 10/16/24) |
75K Points ⓘ Non-Affiliate 75K (worth $750 as a statement credit or deposit into eligible account) after $7500 spend in first 4 months$0 introductory annual fee for the first year, then $95 |
Up to $750 Cash Back ⓘ Non-Affiliate $250 after $1,500 spend in 90 days, plus 5% cashback everywhere on up to $10K spend within the first 6 monthsNo Annual Fee |
50K miles + Companion Fare ⓘ Non-Affiliate 50K miles + Companion Fare ($99 fare + taxes) after $3K 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] |
50k Miles ⓘ Non-Affiliate 50k miles after spending $4,000 within the first 90 days$99 Annual Fee Recent better offer: Expired 9/11/22: 80K + $99 statement credit after $2K spend in first 90 days |
60K points ⓘ Non-Affiliate 60K (worth $600 as a deposit into eligible account or towards travel) after $6K spend in 180 days$0 introductory annual fee for the first year, then $95 Note that only spend on the Account Owner's card (not including purchases made on employee cards) counts toward minimum spending requirements. 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. |
50K miles ⓘ Non-Affiliate 50K miles after $5K in 90 days$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. |
75K points ⓘ Non-Affiliate 75K (worth $750 as a deposit into eligible account) after $10K spend in 120 days$195 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. |
$500 Cash Back ⓘ Non-Affiliate $500 after $5,000 spend in first 3 months.No 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. |
| Earn a $750 bonus after you spend $6K in 3 months from account opening. (Rates & Fees) |
$500 statement credit ⓘ Non-Affiliate $500 statement credit after $5K spend in 90 daysNo 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. |
Up to 80K Points ⓘ Non-Affiliate Up to 80K points: 40K after after $4K spend in first 90 days + 40K after $15K spend in first 365 days (Offer Expires 1/8/2025)$95 Annual Fee Recent better offer: Expired 7/11/24: 100K after $15K in spend |
70K miles ⓘ Affiliate 70K after $6K spend in first 6 months. Terms and limitations apply. (Rates & Fees)$350 Annual Fee |
30K points ⓘ Non-Affiliate 30K after $3K spend in 90 daysNo 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. |
$300 statement credit ⓘ Non-Affiliate $300 statement credit after $3K spend in 90 daysNo 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. |
15K points + 0% APR for 12 months ⓘ Affiliate 15k points after $3k spend within the first 3 months + 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 25.49%,, based on your creditworthiness and other factors at account opening. (Rates & Fees)No Annual Fee |
$250 back + 0% APR for 12 months ⓘ Affiliate $250 after $3k spend within the first 3 months + 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 25.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99% (Rates & Fees)No Annual Fee |
$300 Cash Back ⓘ Non-Affiliate $300 after $3000 spend in 90 daysNo 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. |
$200 Cash Back ⓘ Non-Affiliate $200 in rewards (20K points) after $1K in purchases in first 3 billing cycles.No 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. |
80K miles ⓘ Affiliate 80k after $10K spend in first 6 months. Terms apply. (Rates & Fees)$650 Annual Fee |
50K Miles + 1,000 PQP ⓘ Non-Affiliate 50K miles + 1,000 Premier Qualifying Points after $5K spend in first 3 months.$450 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). 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. |
$125 Amazon Gift Card ⓘ Affiliate Eligible Prime members get a $125 Amazon Gift Card upon approval. Terms apply. (Rates & Fees)No Annual Fee |
15K points ⓘ Friend-Referral 15K points after $3K spend in first 3 months. Terms & limitations apply. $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. |
No Welcome Bonus ⓘ Non-Affiliate No Annual Fee Requires Costco membership. Cash back provided annually with February billing statement as rewards coupon redeemable for cash or merchandise at Costco |
None ⓘ Non-Affiliate No Annual Fee Alternate Offer: Earn a $250 Amazon gift card after $1k spend with our referral link |
None (call to apply) ⓘ Non-Affiliate This card does not currently have a welcome offerNo Annual Fee Bonus offer is not available to either current or previous UBS credit cardmembers. Note: UBS Business cards DO add to Chase's 5/24 Rule. |
Up to $600 ⓘ Friend-Referral Earn a $200 statement credit after each $10,000 you spend on the card, up to $30,000, in the first 3 months of Card Membership. Terms Apply. (Rates & Fees)$250 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. |
None (call to apply) ⓘ Non-Affiliate This card does not currently have a welcome offer$150 Annual Fee Bonus offer is not available to either current or previous UBS credit cardmembers. Note: UBS Business cards DO add to Chase's 5/24 Rule. |
None (call to apply) ⓘ Non-Affiliate This card does not currently have a welcome offer$550 Annual Fee Bonus offer is not available to either current or previous UBS credit cardmembers. Note: UBS Business cards DO add to Chase's 5/24 Rule. |
![](http://cdn.nextinsure.com/imaging/opt/49ef3906-6ee7-4f77-a40b-74728901760e.jpg?w=300" alt="American Express® Business Gold Card" />)
![](http://cdn.nextinsure.com/imaging/opt/a5e33401-8d6f-4ae8-b471-5da085075406.jpg?w=300" alt="The Hilton Honors American Express Business Card" />)
![](http://cdn.nextinsure.com/imaging/opt/47dd49f9-d80b-4251-aa8e-2fbf313e6402.jpg?w=300" alt="Delta SkyMiles® Reserve American Express Card" />)
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. […]