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):

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
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.
150K points ⓘ Affiliate
150K points after $20K 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.
130K points after $10K 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: (Expired 2/1/24) 130K referral offer after $10K in spend
100K points ⓘ Affiliate
100K after $8K spend in 3 months
$95 Annual Fee
Recent better offer: 80K after $5K spend. Many preferred the 80K offer due to the much lower spend requirement
75K points ⓘ Affiliate
75K after $6K spend in 3 months
No 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.
Recent better offer: 90K after $6K spend in 6 monthd (expired 1/17/24)
Up to 75K points ⓘ Affiliate
35K after $3K spend in 3 months and an additional 40K points after $6K spend in 6 months. In addition, 10% Business Relationship bonus if you have the Ink Business Cash and a Chase Business Checking account on your first anniversary.
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 points ⓘ Affiliate
60K after $5,000 spend in 3 months
$199 Annual Fee
This card is subject to Chase's 5/24 rule.
Up to 100K points (call to apply) ⓘ Non-Affiliate
50K after $10K spend in 3 months + 50K after paying 2nd year annual fee
$0 introductory annual fee for the 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.
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.
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.
80K points ⓘ Affiliate
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).
75K miles + Companion Fare ⓘ Non-Affiliate
75K miles + Companion Fare ($99 fare + taxes) after $4K spend in 3 months (enter any random 6-digit number for referral code)
$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]
Earn 3 Free Night Awards - Valued at up to 50K points each, up to 150K points total. ⓘ Affiliate
Earn 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). Certain hotels have resort fees. Terms apply. (Rates & Fees)
$125 Annual Fee
Recent better offer: 5x50K free night certificates after $8K in spend (expired 3/20/24)
$1200 Cash Back ⓘ Affiliate
Earn a one-time cash bonus of $1,200 after $30K spend in the first 3 months. (Rates & Fees)
$150 Annual Fee
Recent better offer: Expired 3/14/22: $3K after $50K spend in 6 months
140K points ⓘ Affiliate
Earn 140K 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: Up to 175K points: Earn 140K points after $4K spend within the first 3 months and an additional 35K points after a total of $7K spend with in the first 6 months [Expired 5/16/24]
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.
50K after $4,500 spend in 3 months from account opening
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.
55k miles ⓘ Affiliate
55k after $4k spend in first 6 months. Terms and limitations apply. (Rates & Fees)
$0 introductory annual fee for the first year, then $150
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
75K 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 points ⓘ Affiliate
50K points after $1K spend in first 3 months
$99 Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
175K Points ⓘ Affiliate
Limited-time offer: 175K after $8K spend in first 6 months. Terms apply.
(Offer Expires 6/5/2024)
$195 Annual Fee
$600 Cash Back ⓘ Non-Affiliate
$600 cash back after $4500 spend on the account owner's card in first 150 days
No 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.
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.
100K Points ⓘ Non-Affiliate
50K after after $4K spend in first 90 days, additional 50K after a total of $15K spend in first year
$95 Annual Fee
Recent better offer: None, this is best we've seen.
75K 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.
$500 statement credit ⓘ Non-Affiliate
$500 statement credit after $5K spend in 90 days
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.
65k miles ⓘ Affiliate
65k after $6k spend in first 6 months. Terms and limitations apply. (Rates & Fees)
$350 Annual Fee
Up to 70K miles ⓘ Non-Affiliate
60K Miles after $2K spend in 90 days plus 10K miles after adding and making one purchase on an employee card, both within 90 days
$99 Annual Fee
Recent better offer: Expired 9/11/22: 80K + $99 statement credit after $2K spend in first 90 days
Up to 50K points (call to apply) ⓘ Non-Affiliate
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.
30K after $3K spend in 90 days
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.
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, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. (Rates & Fees)
No Annual Fee
$250 back + 0% APR for 12 months ⓘ Affiliate
$250 statement credit after $3k spend within first 3 months and 0% introductory APR on purchases for 12 months from the date of account opening. After that, your APR will be a variable rate, 18.49% - 26.49% depending on creditworthiness. (Rates & Fees)
No Annual Fee
$300 Cash Back ⓘ Non-Affiliate
$300 after $3000 spend in 90 days
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.
$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.
75K miles ⓘ Affiliate
75k after $10K spend in first 6 months. Terms apply. (Rates & Fees)
$650 Annual Fee
5K 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 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
$150 (call to apply) ⓘ Non-Affiliate
$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.
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.

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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Lee

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 […]

Aloha808

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

Last edited 3 years 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.

Greg The Frequent Miler

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

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?

Greg The Frequent Miler

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 […]

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

Greg The Frequent Miler

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. […]