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.

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
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.
The Business Platinum Card® from American Express ➥More ⓘ $918 1st Yr Value Estimate 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)
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.
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.
AAdvantage® AviatorTM Business MasterCard® ➥More ⓘ $863 1st Yr Value Estimate 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
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 Business Credit Card ➥More ⓘ $721 1st Yr Value Estimate 50K "miles" Earn a one-time bonus: 50K "miles" after $4.5K spend in the first 3 months from account opening No Annual Fee First Year, Then $95 Note: Capital One Business cards 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. 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 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). Recent better offer: None. This is the highest public offer we've seen.
JetBlue Business Card ➥More ⓘ $682 1st Yr Value Estimate 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 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. This is the best we've seen.
Bank of America Business Advantage Cash Rewards Mastercard ➥More ⓘ $650 1st Yr Value Estimate $750 Cash Back $750 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.
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 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® Gold Business Credit Card from American Express ➥More ⓘ $614 1st Yr Value Estimate 50K Miles + $50 statement credit 50K miles + $50 statement credit after $2K spend in the first 3 months. Terms apply. (Rates & Fees) No Annual Fee First Year, Then $99 Recent better offer: 70K + $50 Expired 4/29/21
Alaska Airlines Visa Business Card ➥More ⓘ $611 1st Yr Value Estimate 40K + $200 statement credit + Companion Fare 40K + $200 statement credit + 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.
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 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
Delta SkyMiles® Platinum Business Credit Card from American Express ➥More ⓘ $516 1st Yr Value Estimate 60K miles + $100 statement credit 60K miles + $100 statement credit after $3K spend in the first 3 months. Terms and limitations 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. Recent better offer: 90K miles + $100 statement credit after $3K spend in the first 3 months. [Expired 5/5/21]
Marriott Bonvoy Business™ American Express® Card ➥More ⓘ $502 1st Yr Value Estimate 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]
Capital One Spark Cash Business Credit Card ➥More ⓘ $455 1st Yr Value Estimate $500 Cash back Earn a one time bonus: $500 cash back after $4.5K spend in 3 months from account opening. No Annual Fee First Year, Then $95 Note: Most Capital One Business cards count against Chase's 5/24 Rule, but this one DOES NOT 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 $2,000 Cash Back: Earn a one time bonus: $500 after $5K spend in 3 months from account opening and earn an additional $1,500 when you spend $50K in the first 6 months of account opening. [Last available in early 2020 and briefly in 2021]
Hilton Honors American Express Business Card ➥More ⓘ $445 1st Yr Value Estimate Up to 180K Points Up to 180K points: 130K after $2K spend in 3 months + 50K after $10K total spend in first 6 months. Terms apply. (Rates & Fees) $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.
U.S. Bank Business Cash Rewards World EliteTM Mastercard ➥More ⓘ $440 1st Yr Value Estimate $500 Cash Back $500 cash back after $3000 spend in first 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.
The Hawaiian Airlines® Business MasterCard® issued by Barclays ➥More ⓘ $404 1st Yr Value Estimate 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 ➥More ⓘ $350 1st Yr Value Estimate 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 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 ⓘ $344 1st Yr Value Estimate 25K points 25K 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.
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: Capital One Business cards 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.
Wyndham Rewards Earner Business Card ➥More ⓘ $252 1st Yr Value Estimate 45K Points 45K after $1K 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.
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)
Citi Business ThankYou Card ➥More ⓘ $244 1st Yr Value Estimate 20K miles 20K after $2K spend in 3 months No Annual Fee This card is available in-branch only and is not available online. The bonus may vary by region and can be as high as 40K. 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 ⓘ $240 1st Yr Value Estimate $300 Cash Back $300 after $3K 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
Wells Fargo Cash Wise Visa® Card ➥More ⓘ $221 1st Yr Value Estimate $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)
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.
Delta SkyMiles® Reserve for Business Credit Card ➥More ⓘ $198 1st Yr Value Estimate 60K miles + 10K MQMs + $100 statement credit 60K miles + 10K MQMs + $100 statement credit after $4K spend in the first 3 months. Terms and limitations apply. (Rates & Fees) $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]
United Club Business Card ➥More ⓘ $169 1st Yr Value Estimate 50K miles 50K miles after $3K 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.
The Blue Business℠ Plus Credit Card ➥More ⓘ $158 1st Yr Value Estimate 10K points 10K after $3K spend in 3 months. 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. Alternate offer: Up to $300 in statement credits: up to $100 in statement credits at each of the following stores for purchases in the first 3 months: Dell, DocuSign, and FedEx. Recent better offer: 20K after $3K spend in 3 months (Expired 6/21/17)
Capital One Spark Cash Select Business Credit Card ➥More ⓘ $155 1st Yr Value Estimate $200 Cash Back One time bonus: $200 after $3,000 spend in 3 months from account opening No Annual Fee Note: Capital One Business cards 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.
Amazon Business American Express Card ➥More ⓘ $153 1st Yr Value Estimate Get a $125 Amazon Gift Card Eligible Prime members get a $125 Amazon.com Gift Card upon approval. 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.
The Plum Card® from American Express ➥More ⓘ $150 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) No Annual Fee First Year, Then $250 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.
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
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.

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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