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 May 2023. Plus, a list of ways to help you choose a business credit card that's best for you.
Our List of the Best Business Credit Card Signup Bonuses
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- Best Business Credit Card Signup Bonuses
- Ink Business Premier℠ Credit Card
- Ink Business Preferred® Credit Card
- Ink Business Unlimited® Credit Card
- Wells Fargo Business Elite Signature Card
- IHG® Rewards Premier Business Credit Card
- Ink Business Cash® Credit Card
- The Business Platinum Card® from American Express
- Capital One Spark Cash Plus
- Southwest® Rapid Rewards® Performance Business Credit Card
- U.S. Bank Business Leverage® Visa Signature® Card
- The Hilton Honors American Express Business Card
- Complete List of Business Credit Card Signup Bonuses
- How to Choose the Best Business Credit Card Signup Offers
- FAQs
- Summary
Best Business Credit Card Signup Bonuses
Ink Business Premier℠ Credit Card
Rewards:
5% cash back
Earn 5% cash back on travel purchased through Chase Ultimate Rewards.
2.5% cash back
Earn 2.5% total cash back on purchases of $5,000 or more.
2% cash back
Earn unlimited 2% cash back on all other business purchases.
- Welcome Bonus: Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
- Foreign Transaction Fee: $0
- Annual Fee: $195
Ink Business Preferred® Credit Card
Rewards:
3x points
Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year.
1x points
Earn 1 point per $1 on all other purchases
- Welcome Bonus: Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.
- Foreign Transaction Fee: $0
- Annual Fee: $95
Ink Business Unlimited® Credit Card
Rewards:
1.5% cash back
1.5% cash back on all eligible purchases with no limits to the amount you can earn
- Welcome Bonus: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
- 0% Intro APR: Get 0% APR on purchases for 12 months; after that, the APR will be 17.99% - 23.99% based on creditworthiness.
- Foreign Transaction Fee: 3% of each transaction in U.S. dollars
- Annual Fee: $0
Wells Fargo Business Elite Signature Card
Rewards:
1.5% cash back
Earn 1.5% cash back for every dollar spent.
1x points
Or earn 1 point on every $1 spent and receive 5,000 bonus points when your company spend is $10,000 or more in any monthly billing period.
- Welcome Bonus: Earn a one-time $1,000 cash back bonus or 100,000 bonus points when you spend $25,000 in the first three months after account open date.
- Foreign Transaction Fee: None
- Annual Fee: $0 first year, and then $125
IHG® Rewards Premier Business Credit Card
Rewards:
26x points
Earn up to 26 total points per $1 spent when you stay at an IHG hotel.
5x points
Earn 5 points per $1 spent on select advertising.
5x points
Earn 5 points per $1 spent on purchases on travel.
5x points
Earn 5 points per $1 spent on purchases on restaurants.
5x points
Earn 5 points per $1 spent on purchases on gas stations.
3x points
Earn 3 points per $1 spent on all other purchases.
- Welcome Bonus: Earn 165,000 bonus points after spending $3,000 on purchases within the first three months of account opening
- Foreign Transaction Fee: $0
- Annual Fee: $99
Ink Business Cash® Credit Card
Rewards:
5% cash back
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
2% cash back
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
2% cash back
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
1% cash back
- Welcome Bonus: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- 0% Intro APR: Get 0% APR on purchases for the first 12 months, after which the rate is a variable 17.99% - 23.99% based on credit worthiness.
- Foreign Transaction Fee: 3% of each transaction in U.S. dollars
- Annual Fee: $0
The Business Platinum Card® from American Express
Rewards:
5x points
5X Membership Rewards® points on flights on amextravel.com.
5x points
5X Membership Rewards® points on prepaid hotels on amextravel.com.
1.5x points
Earn 1.5X points (that's an extra half point per dollar) on eligible purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
1x points
Earn 1X points for each dollar you spend on eligible purchases.
- Welcome Bonus: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
- Foreign Transaction Fee: None
- Annual Fee: $695
Capital One Spark Cash Plus
Rewards:
5% cash back
Earn unlimited 5% cash back on hotels booked through Capital One Travel.
5% cash back
Earn unlimited 5% cash back on rental cars booked through Capital One Travel.
2% cash back
Earn unlimited 2% cash back on every purchase, everywhere-with no limits or category restrictions.
- 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
Southwest® Rapid Rewards® Performance Business Credit Card
Rewards:
4x points
Earn 4 points per $1 spent on Southwest purchases, including flight, inflight, and Southwest gift cards.
3x points
Earn 3 points per $1 spent on Rapid Rewards hotel partners.
3x points
Earn 3 points per $1 spent on Rapid Rewards car rental partners.
2x points
Earn 2 points per $1 spent on social media and search engine advertising.
2x points
Earn 2 points per $1 spent on internet, cable, and phone services, and select streaming.
2x points
Earn 2 points per $1 spent on local transit and commuting purchases, including rideshare, passenger trains, buses, taxis, tolls, and parking lots and garages.
1x points
Earn 1 point per $1 spent on all other purchases made with your card.
- Welcome Bonus: Earn 80,000 points after you spend $5,000 on purchases in the first 3 months.
- Foreign Transaction Fee: $0
- Annual Fee: $199
U.S. Bank Business Leverage® Visa Signature® Card
Rewards:
5% cash back
Earn 5% back on prepaid hotels and car rentals booked directly in the Travel Rewards Center.
2% cash back
Earn 2% back in the top two categories where you spend the most each month automatically.
1% cash back
Earn 1% cash back per dollar spent on all other eligible purchases.
- Welcome Bonus: Earn $750 in rewards when you spend $7,500 in eligible purchases on the account owners' card within the first 120 days of opening your account.
- Foreign Transaction Fee: N/A
- Annual Fee: $0 intro annual fee the first year, $95 thereafter
The Hilton Honors American Express Business Card
Rewards:
12x points
12X at hotels and resorts in the Hilton portfolio.
6x points
6X on wireless telephone services purchased directly from U.S. service providers.
6x points
Earn 6X on U.S. purchases for shipping.
6x points
6X on flights booked directly with airlines or with Amex Travel.
6x points
6X on car rentals booked directly from select car rental companies.
6x points
6X at U.S. restaurants.
6x points
6X at U.S. gas stations.
3x points
3X on all other eligible purchases.
- Welcome Bonus: Earn 150,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $4,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership. Offer ends 7/19/23.
- Foreign Transaction Fee: None
- Annual Fee: $95
Complete List of Business Credit Card Signup Bonuses
Earn 50,000 Bonus Miles after spending $2,000 in purchases on your new Card in your first 3 months of Card Membership.
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.
Earn a one-time $1,000 cash back bonus or 100,000 bonus points when you spend $25,000 in the first three months after account open date.
Earn $500 after spending $5,000 within your first 3 months of being a cardholder.
60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.
Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months from account opening.
Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.
Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.
Earn 75,000 Bonus Marriott Bonvoy Points after you use your new Card to make $3,000 in purchases within the first 3 months of Card Membership.
Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn 150,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $4,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership. Offer ends 7/19/23.
Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, $0 introductory annual fee for the first year, then $99.
Earn 80,000 points after you spend $5,000 on purchases in the first 3 months.
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
Earn 70,000 Bonus Miles after spending $5,000 in purchases on your new Card in your first 3 months of Card Membership.
Earn 165,000 bonus points after spending $3,000 on purchases within the first three months of account opening
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
Earn a one-time bonus of 50,000 miles - equal to $500 in travel once you spend $4,500 on purchases within 3 months from account opening
Earn a $500 Cash Back once you spend $4,500 on purchases within the first 3 months from account opening
Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
Earn 60,000 Bonus Miles after spending $3,000 in purchases on your new Card in your first 3 months of Card Membership.
Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
Earn $750 in rewards when you spend $7,500 in eligible purchases on the account owners' card within the first 120 days of opening your account.
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.