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You are here: Home / Credit Cards / Best Business Credit Card Signup Bonuses for February 2023

Best Business Credit Card Signup Bonuses for February 2023

January 30, 2023 by Gail Kellner

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
Our List of the Best Business Credit Card Signup Bonuses
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  • Best Business Credit Card Signup Bonuses
    • New Business Card! Ink Business Premier(SM) 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 
    • 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

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:

5% cash back
Travel
Earn 5% cash back on travel purchased through Chase Ultimate Rewards.
2.5% cash back
All eligible purchases
Earn 2.5% total cash back on purchases of $5,000 or more.
2% cash back
All eligible purchases
Earn unlimited 2% cash back on all other business purchases.
  • 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
Read our Review

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:

3x points
All eligible purchases
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
On all other purchases
Earn 1 point per $1 on all other purchases
  • Welcome Bonus: Earn 100,000 bonus points after you spend $15,000 in the first 3 months.
  • Foreign Transaction Fee: None
  • Annual Fee: $95
Read our Review

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:

1.5% cash back
All eligible purchases
1.5% cash back on all eligible purchases with no limits to the amount you can earn
  • 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
Read our Review

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:

1.5% cash back
All eligible purchases
Earn 1.5% cash back for every dollar spent.
1x points
All eligible purchases
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 $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
Read our Review

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:

26x points
Hotels
Earn up to 26 points total per $1 spent when you stay at an IHG hotel.
5x points
Select Categories
Earn 5 points per $1 spent on select advertising.
5x points
Travel
Earn 5 points per $1 spent on purchases on travel.
5x points
Dining
Earn 5 points per $1 spent on purchases on restaurants.
5x points
Gas
Earn 5 points per $1 spent on purchases on gas stations.
3x points
On all other purchases
Earn 3 points per $1 spent on all other purchases.
  • Welcome Bonus: Earn 140,000 bonus points when you spend $3,000 in the first 3 months.
  • Foreign Transaction Fee: None
  • Annual Fee: $99
Read our Review

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:

5% cash back
Select Categories
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
Dining
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
Gas
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
On all other purchases
  • 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
Read our Review

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:

5x points
Airfare
5X Membership Rewards® points on flights on amextravel.com.
5x points
Hotels
5X Membership Rewards® points on prepaid hotels on amextravel.com.
1.5x points
Select Categories
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
On all other purchases
Earn 1X points for each dollar you spend on eligible purchases.
  • 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
Read our Review

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:

5% cash back
Hotels
Earn unlimited 5% cash back on hotels booked through Capital One Travel.
5% cash back
Rental Cars
Earn unlimited 5% cash back on rental cars booked through Capital One Travel.
2% cash back
On all other purchases
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
Read our Review

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:

4x points
Southwest Purchases
Earn 4 points per $1 spent on Southwest purchases, including flight, inflight, and Southwest gift cards.
3x points
Hotels
Earn 3 points per $1 spent on Rapid Rewards hotel partners.
3x points
Rental Cars
Earn 3 points per $1 spent on Rapid Rewards car rental partners.
2x points
Select Categories
Earn 2 points per $1 spent on social media and search engine advertising.
2x points
Streaming services
Earn 2 points per $1 spent on internet, cable, and phone services, and select streaming.
2x points
Transit
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
On all other purchases
Earn 1 point per $1 spent on all other purchases made with your card.
  • Welcome Bonus: Earn 80,000 bonus points when you spend $5,000 in the first 3 months.
  • Foreign Transaction Fee: None
  • Annual Fee: $199
Read our Review

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:

5% cash back
Hotels
Earn 5% back on prepaid hotels and car rentals booked directly in the Travel Rewards Center.
2% cash back
Select Categories
Earn 2% back in the top two categories where you spend the most each month automatically.
1% cash back
On all other purchases
Earn 1% cash back per dollar spent on all other eligible purchases.
  • 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
Read our Review

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:

12x points
Hotels
12X at hotels and resorts in the Hilton portfolio
6x points
All eligible purchases
6X on U.S. purchases for shipping, on wireless telephone services purchased directly from U.S. service providers
6x points
Airfare
6X on flights booked directly with airlines or with Amex Travel
6x points
Rental Cars
6X on car rentals booked directly from select car rental companies
6x points
Dining
6X at U.S. restaurants
6x points
Gas
6X at U.S. gas stations
3x points
On all other purchases
3x for all other eligible purchases
  • 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

Complete List of Business Credit Card Signup Bonuses

IHG® Rewards Premier Business Credit Card
Rewards
3x - 26x points
Bonus
140,000 Points
Earn 140,000 Points after spending $3,000 in the first 3 months.
The Business Platinum Card® from American Express
Rewards
1x to 5x Points
Bonus
120,000 Points
Earn 120,000 Points after spending $15,000 in the first 3 months.
Ink Business Preferred® Credit Card
Rewards
1-3x points
Bonus
100,000 Points
Earn 100,000 Points after spending $15,000 in the first 3 months.
Delta SkyMiles® Reserve Business American Express Card
Rewards
1X to 3X Miles
Bonus
100,000 Miles
Earn 100,000 Miles after spending $6,000 in the first 3 months.
Southwest® Rapid Rewards® Performance Business Credit Card
Rewards
1X to 4X points
Bonus
80,000 Points
Earn 80,000 Points after spending $5,000 in the first 3 months.
Marriott Bonvoy Business® American Express® Card
Rewards
2X to 6X Points
Bonus
75,000 Points
Earn 75,000 Points after spending $3,000 in the first 3 months.
Delta SkyMiles® Gold Business American Express Card
Rewards
1x - 2x miles
Bonus
75,000 Miles
Earn 75,000 Miles after spending $3,000 in the first 3 months.
American Express® Business Gold Card
Rewards
1x - 4x points
Bonus
70,000 Points
Earn 70,000 Points after spending $10,000 in the first 3 months.
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
Rewards
1x to 2x Miles
Bonus
65,000 Miles
Earn 65,000 Miles after spending $4,000 in the first 4 months.
Capital One Spark Miles for Business
Rewards
2x
Bonus
50,000 Miles
Earn 50,000 Miles after spending $4,500 in the first 3 months.
Capital One Spark Miles Select for Business
Rewards
1.5x
Bonus
20,000 Miles
Earn 20,000 Miles after spending $3,000 in the first 3 months.
The Blue Business® Plus Credit Card from American Express
Rewards
1x - 2x
Bonus
15,000 Points
Earn 15,000 Points after spending $3,000 in the first 3 months.
New Business Card! Ink Business Premier(SM) Credit Card
Rewards
2%-5%
Bonus
$1,000
Earn $1,000 after spending $10,000 in the first 3 months.
Wells Fargo Business Elite Signature Card
Rewards
1.5% or 1x points
Bonus
$1,000
Earn $1,000 after spending $25,000 in the first 3 months.
Ink Business Cash® Credit Card
Rewards
1%-5%
Bonus
$900
Earn $900 after spending $6,000 in the first 3 months.
Ink Business Unlimited® Credit Card
Rewards
1.5%
Bonus
$900
Earn $900 after spending $6,000 in the first 3 months.
U.S. Bank Business Leverage® Visa Signature® Card
Rewards
1% to 5% cash back
Bonus
$750
Earn $750 after spending $7,500 in the first 120 days.
Capital One Spark Cash Plus
Rewards
2% to 5%
Bonus
$500
Earn $500 after spending $5,000 in the first 3 months.
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Rewards
1% - 5% Cash Back
Bonus
$500
Earn $500 after spending $4,500 in the first 150 days.
Revenued Business Card Visa® Commercial Card
Rewards
3%
Bonus
$500
Earn $500 after spending $5,000 in the first 3 months.
Capital One Spark Cash Select - $500 Cash Bonus
Rewards
1.5% - 5%
Bonus
$500
Earn $500 after spending $4,500 in the first 3 months.
American Express Blue Business Cash™ Card
Rewards
1% - 2%
Bonus
$250
Earn $250 after spending $3,000 in the first 3 months.
Amazon Business Prime American Express Card
Rewards
1% to 5%
Bonus
$125
Earn $125 after spending $0 in the first months.

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.

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