Top 10 Best Small Business Credit Card Bonus Offers – November 2022

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards and may receive a commission. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

Updated November 2022. Do you have small business income or work as an independent contractor? Freelance, Uber/Lyft, Amazon, eBay, Etsy, Airbnb? A small business credit card separates your personal and business expenses and can build up your business credit profile. 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. These are the top 10 credit card offers that I would personally apply for right now (or have already). Recent changes:

  • Added Ink Cash 90k, Ink Unlimited 90k, Hilton 130k+FreeNight, Barc AA 80k+$95, Hawaiian 90k, JetBlue 80k+$99, Citi AA 65k.
  • Removed United 150k, Alaska 70k, Marriott 125k, Delta 75k

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.

Chase Ink Business Unlimited Card

  • $900 bonus cash back (highest ever) (90,000 Ultimate Rewards points) after $6,000 in 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

  • $900 bonus cash back (highest ever) (90,000 Ultimate Rewards points) after $6,000 in 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.*

United Explorer Business Card

  • 75,000 bonus United miles after $5,000 in purchases in the first 3 months. See link for details.
  • Free first checked bag for both you and a companion (a savings of up to $140 per roundtrip).
  • Expanded award availability. Having this card makes it easier to redeem for that saver award economy ticket.
  • 5,000-mile “better together” bonus each anniversary when you have both the United(SM) Business Card and personal Chase United credit card.
  • Primary rental car coverage when renting for business purposes.
  • $0 introductory annual fee for the first year, then $99.
  • Subject to 5/24 rule.*

Business Platinum® Card from American Express

  • 120,000 Membership Rewards points after $15,000 on eligible purchases in the first 3 months.
  • HUGE list of additional perks including $400 Dell, $360 Indeed, $150 Adobe, $120 wireless phone annual credits, $200 annual airline fee credit, $189 CLEAR credit, Centurion airport lounge access, and more. See link for details.
  • $695 annual fee.

Chase Ink Business Preferred Card

  • 100,000 Ultimate Rewards points (worth $1,000 straight cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®) after $15,000 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.*

The Hilton Honors American Express Business Card

  • 130,000 Hilton Honors Bonus Points after $5,000 in purchases in first 3 months. Plus a Free Night Reward after you spend $10,000 in purchases in first 6 months. Offer ends 12/21/22. See link for details.
  • Earn another Free Night Reward after you spend $15,000 on purchases in a calendar year.
  • $95 annual fee.

Hawaiian Airlines Business MasterCard

  • Up to 90,000 Hawaiian miles. 50,000 miles after $2,000 in purchases in the first 90 days. +40,000 miles after $8,000 in purchases within the first 12 months. Limited-time offer. See link for details.
  • Receive a one-time 50% off companion discount for roundtrip coach travel between Hawaii and The Mainland on Hawaiian Airlines.
  • $99 annual fee.

Barclays AAdvantage Aviator Business Card

  • 80,000 American Airlines miles + $95. 80,000 miles and a $95 statement credit after $2,000 on purchases in the first 90 days. See link for details.
  • First checked bag free on domestic AA flights for you and up to 4 companions ($60 value per roundtrip, per person).
  • $95 annual fee.

CitiBusiness / AAdvantage Platinum Select Mastercard

  • 65,000 American Airlines miles after $4,000 in purchases in first the 4 months. See link for details.
  • First checked bag free on domestic AA flights for you and up to 4 companions ($60 value per roundtrip, per person).
  • $0 annual fee for the first year, then $99.

World of Hyatt Business Card

  • 60,000 Hyatt points after $5,000 in purchases in the first 3 months. See link for details and rough valuation of points.
  • Up to $100 in Hyatt statement credits – spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
  • $199 annual fee.
  • Subject to 5/24 rule.

Bank of America Business Advantage Cash Rewards Card

  • $500 statement credit after $5,000 in purchases in the first 90 days. See link for details.
  • 3% cash back on your choice of six categories. 2% cash back on dining and unlimited 1% cash back on all other purchases. The 3% and 2% cash back applies to the first $50,000 in combined category/dining purchases each calendar year, 1% thereafter.
  • No annual fee.

US Bank Business Leverage Card

  • 75,000 bonus points after $7,500 in purchases (on the Account Owner’s Card only) in first the 4 months. 75,000 bonus points can be redeemed for $750 in cash back. See link for details.
  • Availability may be restricted to certain states.
  • $0 annual fee for the first year, then $95.

Capital One Spark Cash Plus Business Card

  • Up to $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. See link for details.
  • Unlimited 2% cash back on all purchases with no limit.
  • $150 annual fee.

Capital One® Spark® Miles for Business Card

  • 50,000 miles (worth a $500 statement credit) after $4,500 in purchases in the first 3 months. See link for details.
  • Flat 2X points per dollar spent on all purchases with no limit.
  • $0 annual fee for the first year, then $95.

Alaska Airlines Visa Business Card (Bank of America)

  • 40,000 Alaska miles + Companion Fare Voucher after $2,000 in purchase within 90 days. See link for details.
  • Companion fare voucher is “Buy one ticket, get one for $121” ($99 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 (worth $60 roundtrip per person).
  • $50 annual fee for company, plus $25 per card.

* 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.

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

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Comments

  1. could you please throw some light on
    – Travel Insurance provided by Orbitz vs credit card travel insurance vs none vs other ?
    Cost factors ?
    Whats covered for international travelers, whats not ?
    If a connecting flight is missed, does the insurance cover, etc.

  2. You should warn business owners regarding BUSINESS cards such as the capital one card which reports occasional delinquent payments on one’s PERSONAL credit report – unlike Chase and American Express business cards which do NOT negatively affect one’s personal credit report!

  3. Is Delta Gold 70k miles still available? When clicked on the link, it says 60k bonus miles.

  4. Anyone only if Chase Ink preferred still give 100K paid off you supply in-branch (vs 80K online)?

  5. I’m going to apply a card for my new business, That is what info I am looking for. Also, Gonna share this with my friends!

  6. I’d like you suggest you consider a comparison of “grace period days” aka “interest free days” in your business credit card comparisons. I just learned the hard way that this varies from company to company and card to card. For example – capital one 27 days grace – chase 20 days grace – discover 25 days grace. A week is a material difference when using for business and timing cash flow, etc.

  7. PNC Bank offers 1.5% cash back, and a $200 bonus for spending $3000 in the first three billing cycles.

    https://www.pnc.com/en/small-business/borrowing/business-credit-cards/pnc-cash-rewards-visa-signature-business-credit-card.html

  8. The information about Wells Fargo Business Platinum Credit Card needs correction: your page says spend “$3,000” in the first 3 months, but the actual Wells Fargo pages says spend “$5,000” in the first 3 months:

    https://www.wellsfargo.com/biz/business-credit/credit-cards/platinum-card/

  9. Does anyone know if any of these cars have PRIMARY rental car insurance. I find that I put rental cars, as well as Doordash and Lyft on my personal Chase Sapphire Reserve even when they are business expenses and then have to deal with reimbursing myself later. And if the Chase business cards have these perks as well?

  10. Thank you, Jonathan.

    These are hefty spend requirements in 3 months…$5,000 to $7,000. In what ways could an ordinary/frugal person spend on necessities this much ?

    • Yes, business cards usually have higher spending requirements and won’t work for everyone. Businesses often have higher expenses, even though it may not equate to revenue. You might buy $3,000 of goods and resell then for $3,500, which only leaves you $500 of profit but you had to spend that $5k so why not maximize that spending?

  11. Makes sense. Thank you

  12. Thanks, Jonathan.

    It would be helpful to know which of these (if any) don’t require a personal guarantee. I prefer my business card to run off the business’s credit, but most of these require a personal SSN. What’s the best option for running the card on the back of the LLC?

  13. Thanks Jonathan for this info and sharing! I noted on the Barclay site it states may not qualify for offer if had a card or another current card with Barclay. I thought business and personal are usually kept separate ? I have held personal Barclay cards in the past.

    • I read the language as being specific to the JetBlue card. If you’ve never had a JetBlue card before, you should be fine. Usually personal and business are considered separate cards.

  14. Great list. It’s hard to beat the Chase cards for business purposes, but Amex is a close second for me.

  15. Just got the Chase Ink Business Unlimited it includes 0% rate for 12 months on all purchases in 90 days of opening, plus the $750 cash back on $7,500 in the 1st 90 days and 1.5% cash back.

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