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

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.

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 ➥More ⓘ $1416 1st Yr Value Estimate 120K points 120K points after $15K spend in the first 3 months. Terms apply. (Rates & Fees) $695 Annual Fee Alternate offer: Some people are targeted for an offer of 160K total points: 150K after $15K spend in the first 3 months + 10K when you add an employee card at the time of application and spend $1K on the employee card in the first 3 months. See if you are targeted here. Recent better offer: 150K after $20K Spend (Targeted)
Brex Cash ➥More ⓘ $1396 1st Yr Value Estimate Up to 110K Points 30K points after $3.5K spend, or 80K points after $9K spend within 30 days. Plus 10K after $3K spend in 3 months and 20K when you connect payroll to Brex. No Annual Fee Alternate offer: Earn a $250 Amazon gift card after $1k spend with our referral link
Chase Ink Business Preferred Card ➥More ⓘ $1180 1st Yr Value Estimate 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 ➥More ⓘ $1069 1st Yr Value Estimate 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 ➥More ⓘ $1013 1st Yr Value Estimate 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 ➥More ⓘ $932 1st Yr Value Estimate 80K Miles + $99 80K miles + $99 statement credit after $2K spend in 90 days $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: Expired 2/4/21: 100K after $6K spend
UBS Visa Infinite Business ➥More ⓘ $915 1st Yr Value Estimate Up to 100K points (call to apply) 50K after $10K spend in 3 months + 50K after paying 2nd year annual fee No Annual Fee First Year, Then $550 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.
AAdvantage® AviatorTM Business MasterCard® ➥More ⓘ $911 1st Yr Value Estimate 80K Miles 80K after $2K spend in 90 days $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: This is the best offer we've seen for this card.
Chase World of Hyatt Business Credit Card ➥More ⓘ $896 1st Yr Value Estimate 75K points 75K after $7,500 spend in 3 months $199 Annual Fee This card is subject to Chase's 5/24 rule. 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: 60,000 Points after $5K spend in 3 months
United℠ Business Card ➥More ⓘ $890 1st Yr Value Estimate 75K Miles 75K miles after $5K spend in first 3 months No Annual Fee First Year, Then $99 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.
Southwest Rapid Rewards Performance Business Credit Card ➥More ⓘ $841 1st Yr Value Estimate 80K points 80K after $5K spend in first 3 months $199 Annual Fee This card is subject to Chase's 5/24 rule (click here for details).
CitiBusiness AAdvantage Platinum Select World MasterCard ➥More ⓘ $777 1st Yr Value Estimate 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 ➥More ⓘ $721 1st Yr Value Estimate 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]
Chase IHG® Rewards Premier Business Credit Card ➥More ⓘ $705 1st Yr Value Estimate 140K points 140K points $3K spend in 3 months $99 Annual Fee This card is expected to be subject to Chase's 5/24 rule (click here for details).
Chase Southwest Airlines Rapid Rewards® Premier Business Card ➥More ⓘ $693 1st Yr Value Estimate 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).
American Express® Business Gold Card ➥More ⓘ $645 1st Yr Value Estimate 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 up to 100K points: 90K points after $10K in purchases in the first 3 months + 10K points when you add an employee card at the time of application and they spend $1,000 in the first 3 months. You can check here to see if you are targeted. 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 ➥More ⓘ $600 1st Yr Value Estimate 75K points 75K after $7500 spend in first 4 months No Annual Fee First Year, Then $95 Recent better offer: None
Delta SkyMiles® Gold Business American Express Card ➥More ⓘ $564 1st Yr Value Estimate 50K Miles 50K miles after $2K spend in the first 3 months. Terms and limitations apply. (Rates & Fees) No Annual Fee First Year, Then $99
The Hawaiian Airlines® Business MasterCard® issued by Barclays ➥More ⓘ $555 1st Yr Value Estimate 80K Miles + $99 80K Miles + $99 statement credit after $2K spend in 90 days $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.
Wyndham Rewards Earner Business Card ➥More ⓘ $498 1st Yr Value Estimate 75K Points 65K points after $1K spend in first 90 days + 10K points after one purchase is made on an employee card $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: Expired 10/14/21: 90K after $2K spend
Hilton Honors American Express Business Card ➥More ⓘ $475 1st Yr Value Estimate 130K points + up to $130 Limited Time Offer: Earn 130K points after $3K spend in 3 months + earn up to $130 in statement credits on purchases at any Hilton family hotel in first 12 months. Terms apply. (Rates & Fees) (Offer Expires 7/6/2022) $95 Annual Fee
United Club Business Card ➥More ⓘ $473 1st Yr Value Estimate 75K miles 75K miles after $5K spend in the first 3 months $450 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). 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.
Business Advantage Unlimited Cash Rewards credit card ➥More ⓘ $455 1st Yr Value Estimate $500 statement credit $500 statement credit bonus after $5K spend in 90 days 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.
Capital One Spark Cash Select – $500 Cash Bonus ➥More ⓘ $433 1st Yr Value Estimate $500 Cash Back Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening No Annual Fee Note: Most Capital One Business credit cards (including this one) DO count against Chase's 5/24 Rule
Delta SkyMiles® Platinum Business American Express Card ➥More ⓘ $416 1st Yr Value Estimate 60K Miles + 5K MQMs 60K miles + 5K Medallion Qualification Miles (MQMs) after $3K spend in 3 months. Terms and limitations apply. (Rates & Fees) $250 Annual Fee Recent better offer: 90K + 10K MQMs
Alaska Airlines Visa Business Card ➥More ⓘ $411 1st Yr Value Estimate 40K + Companion Fare 40K + Companion Fare ($99 + taxes) after $2K spend in 3 months $75 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 plus Companion Fare after $3K spend (expired 5/1/22)
U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® ➥More ⓘ $410 1st Yr Value Estimate $500 Cash Back $500 cash back after $4500 spend on the account owner's card in first 150 days No Annual Fee
Bank of America Business Advantage Cash Rewards Mastercard ➥More ⓘ $400 1st Yr Value Estimate $500 Cash Back $500 after $5K spend in 90 days 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. Recent better offer: $750 after $5K spend in 90 days [Expired 9/1/21]
Marriott Bonvoy Business™ American Express® Card ➥More ⓘ $393 1st Yr Value Estimate 75K points 75K points after $3K of eligible purchases in the first 3 months of card membership. Terms apply. (Rates & Fees) $125 Annual Fee
Capital One Spark Cash Plus ➥More ⓘ $350 1st Yr Value Estimate 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
UBS Visa Signature Business ➥More ⓘ $300 1st Yr Value Estimate Up to 50K points (call to apply) 25K after $5K spend in 3 months + 25K after $50K spend in 12 months No 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.
Capital One Spark Miles Select Business Credit Card ➥More ⓘ $265 1st Yr Value Estimate 20K Miles One time bonus: 20K after $3,000 spend in 3 months from account opening No Annual Fee Note: Most Capital One Business credit cards (including this one) DO count against Chase's 5/24 Rule 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.
BOA Business Advantage Travel Rewards World Mastercard ➥More ⓘ $255 1st Yr Value Estimate 30K points 30K after $3K spend in 90 days 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.
Wells Fargo Business Platinum Visa® card ➥More ⓘ $255 1st Yr Value Estimate $300 Cash Back $300 or 30,000 points after $3K 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.
Korean Air SKYPASS Business Visa issued by US Bank ➥More ⓘ $244 1st Yr Value Estimate 30K miles 30K miles after $3K in 90 days $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: 45K after $3K spend targeted (last reported 3/1/2016)
The Blue Business® Plus Credit Card from American Express ➥More ⓘ $236 1st Yr Value Estimate 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 50K points after $15K in purchases in their first 12 months. Recent better offer: 20K after $3K spend in 3 months (Expired 6/21/17)
American Express Blue Business Cash™ Card ➥More ⓘ $220 1st Yr Value Estimate $250 statement credit Earn a $250 statement credit after $3K in purchases in the first 3 months. Terms apply. (Rates & Fees) No Annual Fee Alternate offer: Earn up to $500 in statement credits: Earn $250 back after $5K in purchases in the first 6 months plus an additional $250 after an additional $10K in purchases in the first year. Note that information about this offer has been collected independently by Frequent Miler. The issuer did not provide the details and is not responsible for their accuracy.
BOA Platinum Business Visa ➥More ⓘ $210 1st Yr Value Estimate $300 Cash Back $300 after $3000 spend in 90 days 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.
Evergreen® by FNBO Business Edition® Credit Card ➥More ⓘ $190 1st Yr Value Estimate $200 Cash Back $200 in rewards (20K points) after $1K in purchases in first 3 billing cycles. 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.
Business Green Rewards Card from American Express ➥More ⓘ $189 1st Yr Value Estimate 15K points 15K points after $3K spend in first 3 months. Terms & limitations apply. No Annual Fee First Year, Then $95 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.
TD Business Solutions Visa ➥More ⓘ $130 1st Yr Value Estimate $150 Cash Back $150 after $1K spend in 90 days No Annual Fee NOTE: TD Bank's business cards DO count against 5/24. 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: None
Amazon Business Prime American Express Card ➥More ⓘ $113 1st Yr Value Estimate $125 Amazon Gift Card Eligible Prime members get a $125 Amazon Gift Card upon approval. Terms apply. (Rates & Fees) 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.
Delta SkyMiles® Reserve Business American Express Card ➥More ⓘ $98 1st Yr Value Estimate 60K Miles + 10K MQMs 60K miles + 10K Medallion Qualification Miles (MQMs) after $4K spend in 3 months.Terms and limitations 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]
Discover it Business - Double cash back your first year ➥More ⓘ $0 1st Yr Value Estimate First Year Double All cash back earned in first 12 months will be doubled. This makes this a 3% cash back card for the first year. No Annual Fee NOTE: Discover business cards DO count against 5/24. 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.
Costco Anywhere Business Visa ➥More ⓘ $0 1st Yr Value Estimate No Annual Fee Requires Costco membership. Cash back provided annually with February billing statement as rewards coupon redeemable for cash or merchandise at Costco
Bilt Mastercard ➥More ⓘ $0 1st Yr Value Estimate 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
UBS Cash Rewards Visa Business ➥More ⓘ $-50 1st Yr Value Estimate $150 (call to apply) $150 after $5,000 spend in 3 months $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.
The Plum Card® from American Express ➥More ⓘ $-100 1st Yr Value Estimate 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 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.

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?

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Aloha808

1 year ago

@Greg The Frequent Miler @Nick Reyes Alaska biz is at 40k + $200 SC + companion fare right now.

Last edited 1 year ago by Aloha808

Flying under 5/24

1 year ago

[…] Best Business Card Offers […]

Chase resumes approving business card applications

1 year ago

[…] 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. […]

Pay taxes via credit card 2020 edition

1 year ago

[…] 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

1 year ago

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.

Greg The Frequent Miler

Author

Reply to Darlene

1 year ago

If you spend a lot at Amazon, I think it’s an excellent choice.

Darlene

Reply to Greg The Frequent Miler

1 year ago

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

John

1 year ago

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…..

The Tools We Use (for playing the game)

3 years ago

[…] Best Business Card Offers […]

Robert

3 years ago

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

Admin

Reply to Robert

3 years ago

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.

Why Chase shutdowns have increased and how to avoid them - Frequent Miler

3 years ago

[…] 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

4 years ago

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

Greg The Frequent Miler

Author

Reply to Shawn

4 years ago

My understanding is that they do not show up on your personal credit report

Planning a teen's first credit card - Frequent Miler

4 years ago

[…] 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

4 years ago

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

Greg The Frequent Miler

Author

Reply to Pete

4 years ago

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%

Paying business expenses with credit cards - Frequent Miler

4 years ago

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

Flying under 5/24 - Frequent Miler

5 years ago

[…] Best Business Card Offers […]

Airline Miles are worth 1.4 cents each. A simplified approach to Reasonable Redemption Values. - Frequent Miler

5 years ago

[…] Best Business Card Offers […]

Do Chase Business cards add to your 5/24 total? - Frequent Miler

5 years ago

[…] 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 […]

5 years ago

Personal cards are showing up. FYI.

Greg The Frequent Miler

Author

Reply to D

5 years ago

Oops! Thank you! Fixed.

Geoff

5 years ago

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

Greg The Frequent Miler

Author

Reply to Geoff

5 years ago

The terms say so. Whether this is really enforced, I don’t know.

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