Top 10 Best Small Business Credit Card Bonus Offers – December 2018

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Do you have small business income or work as an independent contractor? Uber/Lyft, Amazon, eBay, Etsy, Airbnb? You are eligible to open a small business credit card, which keeps your personal and business expenses separate. If you are not a corporation or LLC, you can apply as a sole proprietorship, with your name as the business name and your Social Security number as the Tax ID number. I did this for years successfully before incorporating my business.

Small business credit cards are offering strong perks and $500+ value for a single card during the first year to try out a new card. Below are the top 10 credit card offers that I would apply for (or have applied for already) as of December 2018. Recent changes:

  • Updated Alaska Air card offer.
  • Updated Capital One Spark for Business – New limited-time bonus up to $2,000 bonus cash back or 200,000 bonus miles.
  • Updated Hawaiian Airlines Business card – Bonus increased to 60,000 miles.
  • Removed American Express Business Gold card 50k offer.

This is a companion post to my Top 10 Best Credit Card Bonus Offers for personal cards. Notice that small business bonuses are on average even higher than those on consumer cards.

Note: Certain Chase cards have a “5/24 rule” which is an unofficial rule that they will automatically deny approval on new credit cards if you have 5 or more new credit cards on your credit report within the past 2 years. This rule applies on a per-person basis, so if you are new, you might want to start with those Chase cards.

Chase Ink Business Preferred Card

  • 80,000 Ultimate Rewards points (worth $1,000 towards travel!) after $5,000 in purchases in the first 3 months. See link for details.
  • 3X points on the first $150,000 spent on travel, shipping purchases, internet/cable/phone services, and advertising purchases with social media sites and search engines.
  • Primary rental car coverage when renting for business purposes.
  • $95 annual fee.
  • Subject to 5/24 rule.

Chase Ink Business Unlimited Card

  • $500 bonus cash back after $3,000 on purchases in the first 3 months. See link for details.
  • Flat 1.5% cash back on all purchases with no limit.
  • No annual fee.
  • Subject to 5/24 rule.

Chase Ink Business Cash Card

  • $500 bonus cash back after $3,000 on purchases in the first 3 months. See link for details.
  • 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year.
  • No annual fee.
  • Subject to 5/24 rule.

Capital One Spark Cash for Business Card

  • Up to $2,000 cash bonus. Earn a $500 cash bonus when you spend $5,000 on purchases within the first 3 months. In addition, you can earn an additional $1,500 cash bonus if you spend $50,000 in the first 6 months. See link for details.
  • Flat 2% cash back on all purchases with no limit.
  • $0 annual fee for the first year, then $95.

Capital One Spark Miles for Business Card

  • Up to 200,000 bonus miles. Earn 50,000 bonus miles when you spend $5,000 on purchases within the first 3 months. In addition, you can earn an additional 150,000 bonus miles if you spend $50,000 in the first 6 months. 200,000 miles is redeemable for $2,000 towards travel. See link for details.
  • Flat 2X miles per dollar on all purchases with no limit.
  • $0 annual fee for the first year, then $95.

Southwest Rapid Rewards Premier Business Card

  • 60,000 Rapid Rewards points (redeemable for $900+ in Wanna Getaway airfare) after $3,000 in purchases in the first 3 months. See link for details.
  • $99 annual fee.
  • Combine with the Southwest Rapid Rewards Premier Consumer Card to earn the Southwest Companion Pass.
  • Subject to 5/24 rule.

American Express Plum Card

  • $600 cash back. Earn a $200 statement credit after each $10,000 you spend in purchases, up to $30,000, within the first 3 months. See link for details.
  • 1.5% early pay discount on all purchases which stacks on top of the bonus above.
  • $0 annual fee for the first year, then $250.

Starwood Preferred Guest Business Card

  • 75,000 bonus points after $3,000 in purchases in the first 3 months. See link for details.
  • Points can be used towards Starwood and Marriott hotel stays, or converted to select airlines miles.
  • $0 annual fee for the first year, then $95. Receive free night award (up to 35,000 points) upon card anniversary.

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard

  • 70,000 American Airlines miles after $4,000 in purchases in the first 4 months. See link for details.
  • First checked bag free on domestic flights perk ($60 value per roundtrip, per person).
  • $0 annual fee for the first year, then $99.

Hawaiian Airlines Business Mastercard (Barclaycard)

  • 60,000 Hawaiian miles after $1,000 in purchases with the first 90 days. See link for details.
  • One-time 50% off companion discount for roundtrip coach travel between Hawaii and the Mainland on Hawaiian Airlines.
  • $99 annual fee.

Alaska Airlines Visa Business Card (Bank of America)

  • 30,000 Alaska miles + BOGO Companion Fare Voucher after $1,000 in purchase within 90 days. See link for details.
  • Companion fare voucher is “Buy one ticket, get one for just taxes and fees” ($0 fare plus taxes and fees from just $22).
  • Free checked bag on Alaska flights for you and up to six other passengers on the same reservation.
  • $50 annual fee for company, plus $25 per card.


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