Best Business Card Offers

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

Chase Business Cards 5/24

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.
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 Spark Cash)
  • Discover
  • 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
The Business Platinum Card® from American Express
120K points
120K points after $15K spend in the first 3 months. Terms apply. (Rates & Fees)

$695 Annual Fee

Alternate offer: Targeted online offer of 170K points after $15K spend in the first 3 months See this post for details.

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

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

Ink Business Unlimited® 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.

JetBlue Business Card
80K Miles + $99
80K miles and a $99 statement credit after $2K spend in 90 days

$99 Annual Fee

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 American Express Card
70K miles
Limited Time Offer - 70K miles after $3K spend in the first 3 months. Expires 11/9/22 Terms and limitations apply. (Rates & Fees)

No Annual Fee First Year, Then $99

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)

Capital One Spark Miles for Business
50K Miles
Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months from account opening

No Annual Fee First Year, Then $95

Note: Most Capital One Business credit cards (including this one) DO count against Chase's 5/24 Rule

Recent better offer: Earn up to 200K "miles": 50K after $5K spend in the first 3 months from account opening and an additional 150K after $50K spend in the first 6 months from account opening [Expired 1/27/20 and breifly available in 2021]

Delta SkyMiles® Platinum Business American Express Card
85K miles
Limited Time Offer - 85K miles after $4K spend in 3 months. Expires 11/9/22. Terms and limitations apply. (Rates & Fees)

$250 Annual Fee

Chase World of Hyatt Business Credit Card
60K Points + Double Elite Nights
60K after $5,000 spend in 3 months + Apply by 10/6/22 and get the card to receive 2 Tier-Qualifying Night Credits for each night you stay from 8/23/22 through 12/31/22.

$199 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 are targeted for an offer of 130K points after $10K in purchases in the first 3 months. You can see this post for more details Targeted Business Gold offer for 130K (Highly YMMV)

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]

U.S. Bank Business Leverage® Visa Signature® Card
75K points
75K after $7500 spend in first 4 months

No Annual Fee First Year, Then $95

Recent better offer: None

Marriott Bonvoy Business® American Express® Card
100K Points
Limited-time Offer - 100K points after $4K of eligible purchases in the first 3 months of card membership. Terms apply. (Rates & Fees)

$125 Annual Fee

Delta SkyMiles® Reserve Business American Express Card
100K miles
LImited Time Offer - 100K Miles after $6K spend in 3 months. Expires 11/9/22 Terms apply. (Rates & Fees)

$550 Annual Fee

Recent better offer: 85K miles + 20K MQMs + $200 statement credit after $5K spend in the first 3 months. Terms and limitations apply. [Expired 8/25/21]

Wyndham Rewards Earner Business Card
Up to 75K Points
Up to 75K points: 65K points after $2K spend in first 90 days + 10K points after 1st purchase on an empoloyee card

$95 Annual Fee

The Hawaiian Airlines® Business MasterCard® issued by Barclays
Up to 90K miles
50K Miles after $2K spend in 90 days plus 40K miles after $8K spend in 12 months

$99 Annual Fee

Capital One Spark Cash Plus
Up to $1,000
Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account
opening

$150 Annual Fee

Note: This card is not expected to count against Chase's 5/24 Rule

Recent better offer: Expired 3/14/22: $3K after $50K spend in 6 months

The Blue Business® Plus Credit Card from American Express
15K points
15K after $3K spend in 3 months. Terms apply. (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.

Recent better offer: 20K after $3K spend in 3 months (Expired 6/21/17)

Brex Cash
10K Points
Get 10,000 points when you spend $3,000 on your Brex card within the first 3 months

No Annual Fee

Bilt Mastercard
None
This card features no welcome bonus, but it offers the chance to earn 1x points when paying rent (on up to $50K per year in rent payments) with no annual fee.

No Annual Fee

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)

$250 Annual Fee

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.

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Aloha808

Alaska biz is at 40k + $200 SC + companion fare right now.

Last edited 1 year ago by Aloha808
trackback

[…] 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. […]

Darlene

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.

Darlene

Thanks, Greg!!! It’s nice to see that you are still monitoring these posts.

John

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 […]

Robert

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?

Nick Reyes

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 […]

Shawn

Any idea if the WF Business Platinum card shows on your personal credit reports?

[…] 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 […]

Pete

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

[…] Chase United MileagePlus Explorer Business: 10K bonus miles after $25K calendar year spend. […]

[…] Best Business Card Offers […]

[…] 5/24 count carefully, you could still sign up for 2 personal cards per year.  And by regularly signing up for  business cards from Amex, Chase, Bank of America, etc. you can keep the points […]

D

Personal cards are showing up. FYI.

Geoff

Do the Amex Business cards adhere to the once-per-lifetime bonus limitation as do the Personal cards?