Best Business Credit Card Signup Bonuses for February 2023

There are a ton of great business credit cards to choose from. But one way a credit card can stand out from others is by offering an excellent welcome bonus. Here’s our list of the best business credit card signup bonuses available in February 2023. Plus, a list of ways to help you choose a business credit card that’s best for you.

Best Business Credit Card Signup Bonuses

New Business Card! Ink Business Premier(SM) Credit Card 

New Business Card! Ink Business Premier(SM) Credit Card offers the highest cash back bonus out there. You can earn $1,000 cash back when you spend $10,000 in the first 3 months the account is open. Keep in mind this is a pay-in-full card, so you need to pay your balance every month, although certain eligible purchases can be paid over time. You’ll also earn Chase Ultimate Rewards, but unlike most Chase cards, you won’t be able to transfer them to airline or hotel partners, or other Chase cards.

Rewards:

• Welcome Bonus: Earn $1,000 after you spend $10,000 on purchases in the first 3 months from account opening.
• Foreign Transaction Fee: None
• Annual Fee: $195

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Ink Business Preferred® Credit Card 

Ink Business Preferred® Credit Card offers a 100,000 point signup bonus. These points are worth $1,000 cash back, but could be worth as much as $1,250 when you redeem your points through Chase Ultimate Rewards Travel. That’s an amazing bonus, and you’ll earn 3x per dollar spent on travel, shipping, internet, and advertising purchases, where many businesses spend a significant chunk of change.

Rewards:

• Welcome Bonus: Earn 100,000 bonus points after you spend $15,000 in the first 3 months.
• Foreign Transaction Fee: None
• Annual Fee: $95

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Ink Business Unlimited® Credit Card 

Ink Business Unlimited® Credit Card is offering $900 when you spend $6,000 in the first 3 months; the highest bonus offer this card has ever had. It’s a great deal because you also get 0% APR on purchases for the first 12 months, and there’s no annual fee.

Rewards:

• Welcome Bonus: Earn $900 when you spend $6,000 in the first 3 months.
• 0% Intro APR: Get 0% APR on purchases for 12 months; after that, the APR will be 17.49% - 23.49% based on creditworthiness.
• Foreign Transaction Fee: 3% of the amount of each transaction in U.S. dollars.
• Annual Fee: $0

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Wells Fargo Business Elite Signature Card 

Wells Fargo Business Elite Signature Card is offering a $1,000 signup bonus. The catch? You need to have $1 million dollars in annual sales to be considered for this card, and you need to spend $25,000 in the first 3 months to earn the signup bonus. You can get up to 200 employee cards, so if you have a large sales force, this could be a good choice.

Rewards:

• Welcome Bonus: Earn $1,000 cash back bonus or 100,000 bonus points after spending $25,000 in the first 3 months.
• Foreign Transaction Fee: None
• Annual Fee: $125, waived for the first year

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IHG® Rewards Premier Business Credit Card 

IHG® Rewards Premier Business Credit Card offers generous rewards, especially if you’re partial to IHG brand hotels, and a 140,000 point signup bonus. You get automatic platinum elite status, and you get a fourth night free when you redeem your points for at least a three-night stay. If you enjoy staying at IHG brand hotels (which include Holiday Inn, Crowne Plaza, and Intercontinental), this card is a no-brainer.

Rewards:

• Welcome Bonus: Earn 140,000 bonus points when you spend $3,000 in the first 3 months.
• Foreign Transaction Fee: None
• Annual Fee: $99

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Ink Business Cash® Credit Card 

Ink Business Cash® Credit Card is almost a twin of the Ink Business Unlimited® Credit Card, except that you’ll earn up to 5% cash back at office supply stores and 2% cash back at gas stations and restaurants. The signup bonus is the same, $900, which is one of the highest cash back bonuses around.

Rewards:

• Welcome Bonus: Earn $900 cash back when you spend $6,000 in the first 3 months.
• 0% Intro APR: Get 0% APR on purchases for the first 12 months, after which the rate is a variable 17.49% - 23.49% based on credit worthiness.
• Foreign Transaction Fee: 3% of the amount of each transaction in U.S. dollars.
• Annual Fee: $0

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The Business Platinum Card® from American Express 

The Business Platinum Card® from American Express is a great card for business travelers. Not only can you earn a 120,000 Membership Rewards® points as a welcome bonus, but you can earn 5x on flights and hotels. There are some other nice travel benefits like a $200 airline credit to cover baggage fees, and $189 Clear Credit so you can breeze through airport security.

Rewards:

• Welcome Bonus: Earn 120,000 Membership Rewards® points after spending $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
• Foreign Transaction Fee: None
• Annual Fee: $695

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Capital One Spark Cash Plus 

Capital One Spark Cash Plus is a charge card, or a pay-in-full card, meaning you’ll need to pay your balance every month. On the plus side, there’s no APR unless you pay late. You’ll also earn at least 2% cash back on all purchases.

Rewards:

• Welcome Bonus:

  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.

• Foreign Transaction Fee: None
• Annual Fee: $150

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Southwest® Rapid Rewards® Performance Business Credit Card

Southwest® Rapid Rewards® Performance Business Credit Card has a good bonus, plus you get an additional 9,000 points each year on your cardmember anniversary. A companion pass is 125,000 points, so with the signup bonus and the anniversary points, you’re most of the way there. You also earn additional points through purchases on things like travel and social media and search engine advertising.

Rewards:

• Welcome Bonus: Earn 80,000 bonus points when you spend $5,000 in the first 3 months.
• Foreign Transaction Fee: None
• Annual Fee: $199

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U.S. Bank Business Leverage® Visa Signature® Card 

U.S. Bank Business Leverage® Visa Signature® Card offers a nice bonus and 2% cash back on whatever two categories you spend the most money on. This card could be a great fit for someone who spends on categories not often listed for rewards. The annual fee is a very reasonable $95, plus it’s waived for the first year.

Rewards:

• Welcome Bonus: Earn $750 in rewards when you spend $7,500 in the first 120 days.
• Foreign Transaction Fee: None
• Annual Fee: $95, waived for the first year

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Hilton Honors American Express Business Card 

Hilton Honors American Express Business Card is a great card if you often travel for business and prefer Hilton brand hotels. You automatically get Gold Elite status with this card, which is good for room upgrades when available and complimentary breakfasts. You can also earn a free night when you spend $15,000 in the first three months. There’s a nice welcome bonus and great rewards for the Hilton brand loyal.

Rewards:

• Welcome Bonus: Get 130,000 Hilton honors bonus points when you spend $3,000 in the first 3 months of card membership.
• Foreign Transaction Fee: None
• Annual Fee: $95

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Complete List of Business Credit Card Signup Bonuses

How to Choose the Best Business Credit Card Signup Offers

It’s a great time to find a business credit card signup bonus, with some cards offering bonuses as high as $1,000. Some point-based bonuses could be worth even more, depending on how you use the points. How do you decide which card is best for you and your business?

Consider more than just the signup bonus: Signup bonuses are great, but you should also consider the annual fee, what kind of rewards are offered, and whether they’re offered in points or in cash back. Crunch some numbers and find out which card makes the most sense for you and your business needs.

Check your credit score: The biggest signup bonuses often require the highest credit scores. You should check your business credit reports for any errors. If your score isn’t at least 700, you may want to take some time to improve it before you apply.

Spend requirement: Another thing to consider is how much you need to spend to get the bonus. Some require spending as little as $1,000, and others require you to spend up to $50,000. If you don’t regularly spend that much, the bonus may not be worth it.

Foreign Transaction Fees: If you travel internationally, look for a card that doesn’t charge foreign transaction fees. These are often 3% of the purchase, and they can add up quickly.

Be mindful of how you want to redeem your rewards: The value of rewards, points or otherwise, can vary depending on how you use them. Usually, points are worth the most if you transfer them to a partner airline or hotel and worth the least if you take them as a statement credit.

Also read: Our List of the Best Small Business Credit Cards

FAQs

Do I have to have a business to get a business credit card?

Good question. Yes, you do need to have a business, but the definition of a business is pretty flexible. If you’re a freelance writer, a part-time musician, or if you sell stuff on eBay, you can qualify for a business credit card.

Do I need a business credit card?

Business credit cards are a convenient way to make purchases, but just like personal credit cards, they can also be expensive. They don’t have the same protections as consumer credit cards do, either. On the other hand, they have higher credit limits, and they help keep business and personal expenses separate, which will come in handy when it’s time to file your taxes.

How do I apply for a business credit card?

You’ll need all the standard information you would need to apply for any credit card, plus you’ll need either your federal identification tax number or, if you’re a sole propreitor, your social security number. You’ll need to list the type of business, how it’s structured, estimated revenue and number of employees (it’s fine if you don’t have any).

Summary

There are a lot of business credit card signup bonuses out there, but not every card is perfect for every business. Think about how you spend your money and where you’ll reap the most rewards. Then, find a card that aligns with your spending and needs.