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. |
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 |
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![]() ⓘ $1985 1st Yr Value Estimate$300 travel credit valued at $265 Click to learn about first year value estimates 150K Miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 150k miles after $30k spend within first 3 months. $395 Annual Fee Recent better offer: Expired 3/31/23: 250K Miles after $50K in spend. FM Mini Review: Similar to the Venture X consumer card, the business version offers annual rebates that easily mitigate the fee for those who travel often and could be worth it for the lounge access and travel protections given the cost/benefit ratio. Unlike the Venture X, free authorized users do not get Priority Pass access. The card earns 2 "miles" per dollar on most purchases just like the Capital One Venture X Rewards card, which are worth exactly 1 cent each toward travel. This makes the return on most spend similar to a 2% cash back card (though in this case you must redeem your miles to offset travel in order to get 1 cent per mile). One big advantage over cash back: Capital One allows transfering their "miles" to airline miles & hotel points. Click here for our complete card review |
![]() ⓘ $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 FM Mini Review: This card is absolutely loaded with high end perks. Depending upon your situation, those perks may be worth the annual fee or much more. Click here for our complete card review |
![]() ⓘ $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 FM Mini Review: This may be a good option for business owners who prefer simple cash back rewards. Note that this is a pay-in-full card, so your balance is due in full every month. |
![]() ⓘ $1335 1st Yr Value EstimateClick to learn about first year value estimates $1,500 Cash Back ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer $1,500 after $15,000 spend in 3 months from account opening$0 introductory annual fee for the first year, then $95 FM Mini Review: A good option for business owners who prefer simple cash back rewards. |
![]() ⓘ $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) FM Mini Review: Great card for welcome offer and 3X categories. Also consider the Ink Business Cash for its 5X categories, and the Ink Business Unlimited to earn 1.5X everywhere. |
![]() ⓘ $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 monthsNo Annual Fee FM Mini Review: Great welcome offer for a no annual fee card. Good option for earning 1.5X everywhere. Good companion card to Ink Business Preferred, Sapphire Reserve or Sapphire Preferred. Click here for our complete card review |
![]() ⓘ $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 FM Mini Review: This one should be in everyone's wallet. Incredible welcome offer for a no-annual-fee card. Great card for 5X categories. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred. Click here for our complete card review |
![]() ⓘ $993 1st Yr Value Estimate$150 Delta Stays credit valued at $75 Click to learn about first year value estimates 90K miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Limited Time Offer: Earn 90,000 bonus miles after spending $6,000 in eligible purchases on your new card in your first 6 months of card membership. Terms and limitations apply. (Rates & Fees) (Offer Expires 7/16/2025)$0 introductory annual fee for the first year, then $150 FM Mini Review: Priority boarding and first checked bag free make this a reasonably good option for Delta flyers who do not have elite status. However, those who can make use of an annual companion certificate would do better with the Delta Platinum 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 FM Mini Review: This card may be a keeper for those who use the monthly credits, but keep only if you also make good use of one or two 4X categories. Click here for our complete card review |
![]() ⓘ $891 1st Yr Value EstimateCompanion ticket for $99+taxes and fees valued at $150 Click to learn about first year value estimates 60K 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 60K 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: 75K after $4K in 3 months [Expired 6/25] FM Mini Review: Alaska miles are quite valuable so this offer is better than it appears |
![]() ⓘ $842 1st Yr Value EstimateClick to learn about first year value estimates 65K miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 65K miles after $4K 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 5/22/25) FM Mini Review: This card usually has a great welcome offer, but if you're looking for a card to keep long term, you'll find better options. |
![]() ⓘ $790 1st Yr Value EstimateClick to learn about first year value estimates 60K points + Explorist Status ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 60K + Explorist status through 2/28/26 after $7,000 spend in 3 months. (Offer Expires 6/30/2025)$199 Annual Fee This card is subject to Chase's 5/24 rule. Recent better offer: 60K points after $5K in 3 months + Category 1-4 Free Night Certificate after $15K total in 6 months. (Expired 3/6/25) FM Mini Review: Great for its initial welcome offer and for Hyatt enthusiasts to spend toward status and rebate on award stays. |
![]() ⓘ $751 1st Yr Value EstimateClick to learn about first year value estimates 80K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 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). |
![]() ⓘ $744 1st Yr Value Estimate$200 Delta Stays credit valued at $100 Click to learn about first year value estimates 100K miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Limited Time Offer: Earn 100,000 bonus miles after spending $8,000 in eligible purchases on your new card in your first 6 months of card membership. . Terms and limitations apply. (Rates & Fees) (Offer Expires 7/16/2025)$350 Annual Fee FM Mini Review: Good choice for frequent Delta flyers who can make use of annual companion certificate |
![]() ⓘ $735 1st Yr Value EstimateClick to learn about first year value estimates 75K Miles + 2,000 PQP ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 75K miles + 2,000 PQP 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.$150 Annual Fee Recent better offer: 125K miles after $5K spend in first 3 months (expired 5/8/25) FM Mini Review: Decent perks such as enhanced access to United saver level economy awards makes this a keeper for some. |
![]() ⓘ $716 1st Yr Value EstimateClick to learn about first year value estimates 50K Miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 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 Note: Most Capital One Business credit cards (including this one) DO count against Chase's 5/24 Rule FM Mini Review: This card is similar to the Spark Cash Plus card, but it has the advantage that "miles" earned with this card can be transferred to a large number of airline & hotel programs. |
![]() ⓘ $704 1st Yr Value EstimateClick to learn about first year value estimates 140K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Earn 140K points after spending $4K on purchases in the first 3 months from account opening.$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 4/30/25) |
![]() ⓘ $695 1st Yr Value EstimateClick to learn about first year value estimates $1,000 Cash Back ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer $1K after $10K Spend in 3 Months$195 Annual Fee FM Mini Review: This is an almost 1 to 1 copy of Capital One's Spark Cash Plus card, but the Chase card throws in 2.5% earnings on very large purchases. Unfortunately, the Chase card also has a slightly higher annual fee. The biggest disappointment about this card is that, unlike other Chase Ink cards, the rewards cannot be moved to other Chase cards to improve their value. Even though this card technically earns Ultimate Rewards points, it's best to think of it as a straight up cash back card. Click here for our complete card review |
![]() ⓘ $692 1st Yr Value Estimate3 Marriott 50K Free Nights valued at $912 Click to learn about first year value estimates 3 x 50K Free Night Certificates ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy(R) points, for a total potential value of up to 150,000 points, Terms apply. (Rates & Fees)$125 Annual Fee Recent better offer: 5x50K free night certificates after $8K in spend (expired 10/16/24) |
![]() ⓘ $683 1st Yr Value EstimateClick to learn about first year value estimates 50K Miles ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer 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. FM Mini Review: This card is similar to the Spark Cash Select for Business, but rewards are intended to be used to offset travel purchases. This is a good option for business owners who prefer simple rewards with no annual fee, and who value free travel over cash back. If you spend more than $19K per year, though, go for the 2X Spark Miles card. |
![]() ⓘ $659 1st Yr Value Estimate$240 Hilton credit ($60 per quarter) valued at $180 Click to learn about first year value estimates Up to 175K Points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Limited Time Offer: Earn 150K bonus points after $8,000 in eligible purchase within your first 6 months of Card Membership + an additional 25K bonus points after an additional $2K spend within first 6 months. Terms apply. (Rates & Fees) (Offer Expires 8/13/2025)$195 Annual Fee Recent better offer: 175K after $8K in spend (Expired 4/29/25) FM Mini Review: Easy way to secure Hilton Honors™ Gold status (which offers free breakfast among other perks). Amex business cards do not count towards 5/24 status so will not hurt chances of applying for Chase cards. |
![]() ⓘ $627 1st Yr Value EstimateClick to learn about first year value estimates 60K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 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). |
![]() ⓘ $593 1st Yr Value EstimateClick to learn about first year value estimates 75K Points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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 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. FM Mini Review: Since the points are worth 1c each, this card isn't terribly rewarding for ongoing spend. Note that points can not be combined with the Altitude Reserve. |
![]() ⓘ $587 1st Yr Value EstimateClick to learn about first year value estimates 50k Miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 50k miles after spending $4,000 within the first 90 days$99 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: Expired 9/11/22: 80K + $99 statement credit after $2K spend in first 90 days |
![]() ⓘ $515 1st Yr Value EstimateClick to learn about first year value estimates 50K Miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 50K bonus miles after spending $2K in first 90 days$99 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: 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 FM Mini Review: This card is almost identical to the JetBlue Plus card except that this one offers Group A boarding and earns 2X at office supply stores rather than grocery stores. Both cards are great choices for JetBlue flyers. |
![]() ⓘ $506 1st Yr Value Estimate$250 Delta Stays credit valued at $125 Click to learn about first year value estimates 110K miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Limited Time Offer: Earn 110,000 bonus miles after spending $12,000 in eligible purchases on your new card in your first 6 months of card membership. . (Rates & Fees) (Offer Expires 7/16/2025)$650 Annual Fee FM Mini Review: Excellent choice for frequent Delta flyers who can make use of Delta Sky Club® access and companion certificate. Also a good choice for big spenders seeking Delta elite status. |
![]() ⓘ $474 1st Yr Value EstimateClick to learn about first year value estimates 60K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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. FM Mini Review: This card offers decent return on gas station and travel spend and it does feature no foreign transaction fees. However, the return on most other spend is relatively weak. |
![]() ⓘ $465 1st Yr Value EstimateClick to learn about first year value estimates 50K miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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. |
![]() ⓘ $445 1st Yr Value EstimateClick to learn about first year value estimates 75K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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. FM Mini Review: This card offers an excellent signup bonus. For ongoing use, it's effectively a 2% cashback card that increases to 2.5% for the first $5K in mobile wallet spend per quarter. |
![]() ⓘ $445 1st Yr Value EstimateClick to learn about first year value estimates $500 Cash Back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $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. FM Mini Review: On its own, this is a decent, no-annual fee 2% cash back card. However, when paired with the Autograph or Autograph Journey, those points become transferable to travel partners, making the uncapped 2x earnings much more appealing. |
![]() ⓘ $428 1st Yr Value EstimateClick to learn about first year value estimates $500 Cash Back ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer One time bonus: $500 after $4,500 spend in 3 months from account opening. (Rates & Fees)No Annual Fee Note: Most Capital One Business credit cards (including this one) DO count against Chase's 5/24 Rule Recent better offer: Expired 9/9/24: $750 Cash Back after $6k spend in 3 months FM Mini Review: This is a good option for business owners looking for simple cash back rewards with no annual fee. If you spend $30,000 or more per year, though, you would be better off with the 2% Spark Cash Plus card. |
![]() ⓘ $420 1st Yr Value EstimateClick to learn about first year value estimates $500 statement credit Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $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. |
![]() ⓘ $412 1st Yr Value EstimateClick to learn about first year value estimates Up to 75K Points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 50K points after $4K spend in first 90 days, then 25K points after $12k spend in first 365 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. Recent better offer: Expired 7/11/24: 100K after $15K in spend FM Mini Review: Excellent earning rate at gas stations and Wyndham hotels. Diamond status plus 15K annual bonus makes this card a keeper. |
![]() ⓘ $406 1st Yr Value EstimateClick to learn about first year value estimates $500 Cash Back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $500 cash back after $4,500 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. FM Mini Review: Nice welcome offer. Useful for its 3% categories, but you can do much better for spend outside of those categories. |
![]() ⓘ $337 1st Yr Value EstimateClick to learn about first year value estimates $400 Cash Back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $400 after $3,000 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. Recent better offer: $250 after $1,500 spend in 90 days, plus 5% cashback everywhere on up to $10K spend within the first 6 months (Expired 6/1/25) |
![]() ⓘ $288 1st Yr Value EstimateClick to learn about first year value estimates 80K Miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 80K Miles + 2,000 PQP after $5K in purchases in the 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$695 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. Recent better offer: 125K Miles after $5K in purchases in the first 3 months (expired 5/8/25) FM Mini Review: While pricey, the Chase United MileagePlus® Club Business Card is a great choice for those who want a United club membership |
![]() ⓘ $252 1st Yr Value EstimateClick to learn about first year value estimates 30K points Non-AffiliateThis is NOT an affiliate offer. 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. |
![]() ⓘ $237 1st Yr Value EstimateClick to learn about first year value estimates $300 statement credit Non-AffiliateThis is NOT an affiliate offer. $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. FM Mini Review: This can be a very appealing card for the $50,000/year in 3% bonus categories...and it becomes downright sexy if you have Preferred Rewards as well. |
![]() ⓘ $233 1st Yr Value EstimateClick to learn about first year value estimates 15K points + 0% APR for 12 months ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 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% - 27.49%,, based on your creditworthiness and other factors at account opening. (Rates & Fees)No Annual Fee Alternate Offer: Some people have been targeted for an offer in their online account for 75K points after $15K in purchases in their first 12 months. FM Mini Review: 2X rewards for all spend (up to $50K per year) with no annual fee makes this card a winner. Click here for our complete card review |
![]() ⓘ $217 1st Yr Value EstimateClick to learn about first year value estimates $250 back + 0% APR for 12 months ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer $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% - 27.49%, 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 |
![]() ⓘ $207 1st Yr Value EstimateClick to learn about first year value estimates $300 Cash Back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $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. FM Mini Review: No rewards on everyday purchases, but a nice sign-up bonus for a no annual fee card. |
![]() ⓘ $189 1st Yr Value EstimateClick to learn about first year value estimates $200 Cash Back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $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. FM Mini Review: Decent low-spend welcome offer on a card that could be a keeper given uncapped 2% rewards on a business card. Annual big spend bonus sweetens the deal. |
![]() ⓘ $113 1st Yr Value Estimate$125 Amazon gift card valued at $112.5 Click to learn about first year value estimates $125 Amazon Gift Card ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Eligible Prime members get a $125 Amazon Gift Card upon approval. Terms apply. (Rates & Fees)No Annual Fee FM Mini Review: For Amazon Prime members, this is a great card for Amazon, AWS, and Whole Foods purchases. Note though that Chase and Synchrony offer similar consumer cards. |
![]() ⓘ $91 1st Yr Value EstimateClick to learn about first year value estimates 15K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 15K points after $3K spend within first 3 months of card membership. Terms & limitations apply. (Rates & Fees)$95 Annual Fee |
![]() ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates No Welcome Offer Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler No Annual Fee Requires Costco membership. Cash back provided annually with February billing statement as rewards coupon redeemable for cash or merchandise at Costco 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. |
![]() ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates None Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler No Annual Fee Alternate Offer: Earn a $250 Amazon gift card after $1k spend with our referral link 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. FM Mini Review: Given the recent downward spiral of Brex, there's probably better places to concentrate business spending. |
![]() ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates None (call to apply) Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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. 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. FM Mini Review: May be worth getting for signup bonus. Otherwise this card is useless. |
![]() ⓘ $-130 1st Yr Value EstimateClick to learn about first year value estimates Up to $600 ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer 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. |
![]() ⓘ $-150 1st Yr Value EstimateClick to learn about first year value estimates None (call to apply) Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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. 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. FM Mini Review: The annual fee kills the value here |
![]() ⓘ $-235 1st Yr Value Estimate$350 airline incidental fee credit valued at $315 Click to learn about first year value estimates None (call to apply) Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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. 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. FM Mini Review: May be worth considering if you highly value the card's perks and if you can maximize rewards by purchasing flights costing as close to $900 as possible for 50,000 points (up to 1.8 cents per point value) |
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.
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[…] 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. […]