Best business card offers that don’t add to 5/24

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In my opinion, Chase offers many of the best credit cards and the best signup offers.  They have a fantastic lineup of cards that earn Ultimate Rewards points.  Through these cards one can easily amass hundreds of thousands of transferable points through signup bonuses, and then continue to earn huge rewards by picking the right cards for the right type of spend (for example, pay your phone, cable, and internet bills with your no-fee Ink Business Cash card to get 5X rewards for these purchases).   You can read more here: Chase Ultimate Rewards Deep Dive.

Another key component of Chase’s credit card dominance is that they issue Southwest Airlines credit cards.  This is huge because Southwest has the best deal in travel: earn 110,000 qualifying points in a calendar year and you get a companion pass good for an unlimited number of flights booked with points or cash.  That companion pass is good for the rest of the year in which it is earned and all of the next year.  And, with Chase, it’s often possible to get that companion pass simply by signing up for a personal Southwest card and business Southwest card and meeting the minimum spend requirements for both.

Chase also has a few terrific hotel credit cards.  If you want to earn top tier Hyatt status (which is, by far in my opinion, the best top tier hotel status), you can earn that status through spend with the World of Hyatt card.  Chase also provides very good IHG and Marriott cards.

But 5/24!

The problem with Chase’s cornucopia of credit card goodness is that there comes a point in every point-hunters life when they’ll no longer get approved for new Chase credit cards.  When Chase sees that you have opened 5 or more credit cards in the past 24 months, they won’t approve you for new cards (except when you are targeted for a “Just for You” offer).  This obviously makes it very difficult to take advantage of all of the great Chase credit card opportunities.

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.

The business card solution

Chase uses your credit report to determine your 5/24 count, and it so happens that most business cards are not reported to the personal credit bureaus.  Even Chase business cards are treated this way.  That is, you won’t get approved for a Chase business card if you are over 5/24, but if you are under 5/24 and get approved, that new card won’t increase your 5/24 count.  So, a great way to delay going over 5/24 is to sign up primarily for business cards, including Chase business cards.  This is the strategy that we documented in the “informed newbie” series (see: Over 600,000 points and well under 5/24).  And, it is the strategy that my son is following under my direction.

Applying for Business Credit Cards

Yes, you have a business: In order to sign up for a business credit card, you must have a business. That said, it's common for people to have businesses without realizing it. If you sell items at a yard sale, or on eBay, for example, then you have a business. Similar examples include: consulting, writing (e.g. blog authorship, planning your first novel, etc.), handyman services, owning rental property, renting on airbnb, driving for Uber or Lyft, etc. In any of these cases, your business is considered a Sole Proprietorship unless you form a corporation of some sort.

When you apply for a business credit card as a sole proprietor, you can use your own name as your business name, use your own address and phone as the business' address and phone, and your social security number as the business' Tax ID / EIN. Alternatively, you can get a proper Tax ID / EIN from the IRS for free, in about a minute, through this website.

Is it OK to use business cards for personal expenses? Anecdotally, almost everyone I know uses business cards for personal expenses. That said, the terms in most business card applications state that you should use the card only for business use. Also, some consumer credit card protections do not apply to business cards. My advice: don't use the card for personal expenses if you're not comfortable doing so.

Best business card offers that won’t add to 5/24

This table shows business cards that do not contribute to your 5/24 count.  Cards are sorted by first year estimated value.  We have weeded out business cards from issuers like Capital One and TD Bank since they do report business cards to personal credit bureaus.  Please note that there are some situations where the banks listed here will report to the personal credit bureaus (such as when you miss payments).

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
Chase Ink Business Preferred Card
100K points
100K after $15K spend in 3 months

$95 Annual Fee

See: How to sign up for Chase Ink cards

Recent better offer: 80K after $5K spend. Many preferred the 80K offer due to the much lower spend requirement

Chase Ink Business Unlimited
75K points
75K after $7.5K spend in 3 months

No Annual Fee

See: How to sign up for Chase Ink cards

Recent better offer: None. This is the best we've seen.

Chase Ink Business Cash Credit Card
75K points
75K after $7.5K spend in 3 months

No Annual Fee

See: How to sign up for Chase Ink cards

Recent better offer: None. This is the best we've seen.

Delta SkyMiles® Gold Business Credit Card from American Express
75K Miles + $200 statement credit
75K milesafter $2K spend in the first 3 months + $200 statement credit after first Delta purchase in first 3 months. Terms apply. (Rates & Fees)
(Offer Expires 8/25/2021)

No Annual Fee First Year, Then $99

Delta SkyMiles® Platinum Business Credit Card from American Express
95K miles + $200 statement credit
95K miles after $5K spend in the first 3 months + $200 statement credit after first Delta purchase in first 3 months. Terms and limitations apply. (Rates & Fees)
(Offer Expires 8/25/2021)

$250 Annual Fee

Info 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: 90K miles + $100 statement credit after $3K spend in the first 3 months. [Expired 5/5/21]

The Business Platinum Card® from American Express
100K points
100K points after $15K spend in the first 3 months. Terms apply. (Rates & Fees)

$595 Annual Fee

Some report being targeted for offers up to 150K! Click here for details.

Recent better offer: 150K after $20K Spend (Targeted)

AAdvantage® AviatorTM Business MasterCard®
Up to 75K miles
Up to 75K miles: 65k miles after $1K in purchases within 90 days and 10K miles when a purchase is made on an employee card that is added to the account at the time of application or within 30 days of the account open date

$95 Annual Fee

Info 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: Up to 75K miles: 65k miles after $1K in purchases within 90 days and 10K miles when a purchase is made on an employee card that is added to the account at the time of application or within 30 days of the account open date

CitiBusiness AAdvantage Platinum Select World MasterCard
65K miles
65K after $4K spend in first 4 months

No Annual Fee First Year, Then $99

Recent better offer: 75K after $5K in the first 5 months (Expired 1/16/20)

Chase Southwest Airlines Rapid Rewards® Premier Business Card
60K miles
60K after $3K spend in 3 months

$99 Annual Fee

This card is subject to Chase's 5/24 rule (click here for details).

Recent better offer: None. This is the highest public offer we've seen.

JetBlue Business Card
Up to 60K Miles
Up to 60K miles: 50K after $1K spend in 90 days plus 10K after a purchase is made on an employee card within 90 days

$99 Annual Fee

American Express® Business Gold Card
70K Points
70K points after $10K spend in 3 months. Terms apply. (Rates & Fees)

$295 Annual Fee

Alternate offer: Some people clicking find that they are targeted for an offer of 85K points after $10K in purchases in the first 3 months.

Recent better offer: 70K points + up to $300 in statement credits: 70K points after $10K spend in 3 months + up to $150 in statement credits for US shipping purchases and up to $150 in statement credits US advertising purchases. [Expired 4/7/21]

Delta SkyMiles® Reserve for Business Credit Card
85K miles + 20K MQMs + $200 statement credit
85K miles + 20K MQMs after $6K spend in the first 3 months + $200 statement credit after first Delta purchase in first 3 months. Terms and limitations apply. (Rates & Fees)
(Offer Expires 8/25/2021)

$550 Annual Fee

Info 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: 80K miles + 20K MQMs + $200 statement credit after $5K spend in the first 3 months. Terms and limitations apply. [Expired 5/5/21]

U.S. Bank Business Cash Rewards World EliteTM Mastercard
$500 Cash Back
$500 cash back after $3000 spend in first 90 days

No Annual Fee

Marriott Bonvoy Business™ American Express® Card
75K Points + up to $150 in statement credits
75K points after $3K of eligible purchases in the first 3 months of card membership + up to $150 in statement credits for eligible purchases in the first 3 months. Terms apply. (Rates & Fees)

$125 Annual Fee

Recent better offer: 100K points after $5K in eligible purchases in the first 3 months plus up to $150 in statement credits for eligible purchases in the first 3 months [Expired 5/12/21]

The Hawaiian Airlines® Business MasterCard® issued by Barclays
Up to 70K miles
Up to 70K miles: 60K after $1K in the first 90 days + 10K after a purchase is made on an employee card

$99 Annual Fee

Info 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: 60K after $1K in the first 90 days + 10K after first purchase on an employee card [Expired 8/19]

American Express Blue Business Cash™ Card
Up to $500 in statement credits
Up to $500 in statement credits: Earn a $250 statement credit after $5K in purchases in the first 6 months plus an additional $250 statement credit after another $10K in purchases in the first year. Terms apply. (Rates & Fees)

No Annual Fee

Wells Fargo Cash Wise Visa® Card
$150 Cash Back
$150 after $500 spend in the first 3 months

No Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Some people are targeted (in their online Wells Fargo account or via snail mail) for 3% cash rewards for the first year up to $30,000 spent)

The Plum Card® from American Express
Up to $600
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)

No Annual Fee First Year, Then $250

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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