Business Credit Card Signup Bonuses

Best Business Credit Card Signup Bonuses for December 2024

There are a ton of great business credit cards to choose from. However, a credit card can stand out by offering an excellent welcome bonus. Here’s our list of the best business credit card signup bonuses in December 2024. Plus, a list of ways to help you choose a business credit card that’s best for you.

NEW Bonus Offers

The new business credit card bonus offers are available right now, and three require significant upfront spending.

  1. Marriott Bonvoy Business® American Express® Card – Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership.
  2. Ink Business Unlimited® Credit Card – Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
  3. World of Hyatt Business Credit Card – 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.
  4. Capital One Spark Cash Plus – $2,000 Cash Back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year
  5. American Express® Business Gold Card – Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.* (Terms Apply)
  6. Southwest® Rapid Rewards® Premier Business Credit Card –  Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
  7. Southwest® Rapid Rewards® Performance Business Credit Card –  Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.

Best Business Credit Card Signup Bonuses

Credit CardWelcome OfferMore Info
Capital One Venture X Business150,000 Miles once you spend $30,000 in the first 3 months from account openingREVIEW
Ink Business Premier® Credit CardEarn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.REVIEW
Ink Business Unlimited® Credit CardEarn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.REVIEW
Capital One Spark Cash Plus$2,000 Cash Back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year (NEW!)REVIEW
Ink Business Preferred® Credit CardEarn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.REVIEW
American Express® Business Gold CardEarn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.* (Terms Apply)REVIEW
IHG One Rewards Premier Business Credit CardEarn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account openingREVIEW
Southwest® Rapid Rewards® Performance Business Credit CardEarn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.REVIEW
Ink Business Cash® Credit CardEarn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.REVIEW
The Business Platinum Card® from American ExpressEarn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership. (Terms apply)REVIEW
U.S. Bank Business Leverage® Visa Signature® CardEarn 75,000 bonus points. Earn up to $750 in rewards when you spend $7,500 in eligible purchases on the account owner's card within the first 120 days of opening your account.REVIEW
The Hilton Honors American Express Business CardEarn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 1/8/2025. (Terms Apply)REVIEW
Southwest® Rapid Rewards® Premier Business Credit CardEarn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.REVIEW

Daily Driver Business Credit Cards With Great Welcome Offers

We divided this list into three categories: daily driver, triple play, and category king credit cards. Daily driver cards earn 1.5% to 2% cash back or 2x points or miles on all purchases. If you want to carry one credit card, it should be a daily driver. It should also be the first card you carry if you want to carry multiple credit cards.

Next, you’ll see triple play credit cards, which earn 3% cash back or 3x points or miles on at least three categories. Then, we have a list of category king cards which earn 5% cash back or 5x points or miles on at least one category.

Let’s begin with the daily driver credit cards with great welcome offers.

Capital One Venture X Business

Capital One Venture X Business

Our Rating: 4.9

★★★★

Capital One Venture X Business

Welcome Offer

150,000 Miles

Est. Value

Up to $2,625

Annual Fee

$395

APR

N/A Variable

Credit Req’d

Excellent

Rewards: Earn 10x miles on hotels and rental cars booked through Capital One Travel. Earn 5x miles on flights and vacation rentals booked through Capital One Travel. Earn 2x miles on other purchases.

The Capital One Venture X Business is a variation on their consumer credit card, but you need to pay your balance in full every month. It has an excellent welcome offer. Those points can be transferred 1:1 to more than a dozen international travel partners making your value even greater. And you get a $300 travel credit and 10,000 bonus miles on your anniversary every year, making it an excellent value.

2x miles
All eligible purchases
Earn 2 Miles per dollar on every purchase.
5x miles
Select Categories
Earn 5 Miles per dollar on vacation rentals booked through Capital One Travel.
5x miles
Airfare
Earn 5 Miles per dollar on flights booked through Capital One Travel.
10x miles
Hotels
Earn 10 Miles per dollar on hotels booked through Capital One Travel.
10x miles
Rental Cars
Earn 10 Miles per dollar on rental cars booked through Capital One Travel.

Pros

  • Welcome offer
  • No foreign transaction fee
  • Unlimited 2X miles on every purchase

Cons

  • Annual fee
  • Requires good credit
  • Pay-in-full card
App StatusDateCredit ScoreBureauCredit Limit
Approved07/01/2023
752
Not Provided
---
Approved01/11/2024
780
Not Provided
---
Approved11/09/2023
768
Equifax
---
Approved11/09/2023
783
TransUnion
---
Approved11/09/2023
814
Experian
---
Denied12/31/2023
741
TransUnion
---
Denied12/31/2023
775
Equifax
---

Ink Business Premier® Credit Card 

Chase Ink Business Premier

Our Rating: 4.9

★★★★

Ink Business Premier® Credit Card

Welcome Offer

Earn $1,000 bonus cash back

Est. Value

$1,000

Annual Fee

$195

APR

Flex for Business APR: 18.74% – 26.74% Variable

Credit Req’d

Good, Excellent

Rewards: Earn 5% total cash back on travel purchased through Chase TravelSM. Earn 2.5% total cash back on purchases of $5,000 or more. Earn 2% cash back on all other business purchases.

The Ink Business Premier® Credit Card 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.

2% cash back
All eligible purchases
Earn unlimited 2% cash back on all other business purchases
2.5% cash back
All eligible purchases
Earn 2.5% total cash back on purchases of $5,000 or more
5% cash back
Travel
Unlimited 5% total cash back on travel purchased through Chase Travel(SM)

Pros

  • Welcome offer
  • No foreign transaction fee
  • Up to 5% cash back
  • Earns Chase Ultimate Rewards points

Cons

  • Annual fee
  • Requires good credit
  • Can't transfer points to other Chase cards or travel partners
App StatusDateCredit ScoreBureauCredit Limit
Approved06/27/2023
690
Experian
$10,000
Approved01/03/2023
755
Not Provided
$20,000
Approved01/03/2023
766
Not Provided
$20,000
Approved01/03/2023
768
Not Provided
$20,000

Ink Business Unlimited® Credit Card 

Chase Ink Business Unlimited

Our Rating: 4.6

★★★★

Ink Business Unlimited® Credit Card

Welcome Offer

Earn $750 bonus cash back

Est. Value

$750

Annual Fee

$0

APR

17.74% – 23.74% Variable

Credit Req’d

Excellent, Good

Rewards: Earn unlimited 1.5% cash back rewards on all eligible purchases.

The Ink Business Unlimited® Credit Card has a stellar welcome offer and you’ll earn an unlimited 1.5% cash back on every eligible purchase. If you still have some business expenses you need to pay for, the card also offers 0% intro APR on purchases for the first 12 months, then 17.74% - 23.74% variable APR. This is a great, no-fuss choice for small business owners.

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

Pros

  • Welcome offer
  • No annual fee
  • Earns Chase Ultimate Rewards points
  • Earn 1.5% cash back

Cons

  • Foreign transaction fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved03/18/2023
825
Experian
$6,000
Approved12/14/2023
783
TransUnion
$8,000
Approved12/14/2023
787
Experian
$8,000
Approved12/14/2023
791
Equifax
$8,000
Approved10/04/2023
734
TransUnion
$8,000
Approved10/04/2023
735
Equifax
$8,000
Approved10/30/2023
850
Experian
$16,000
Approved04/25/2023
662
Equifax
$4,000
Approved04/25/2023
667
TransUnion
$4,000
Approved04/25/2023
718
Experian
$4,000
Approved04/16/2023
843
Experian
$16,000
Approved01/12/2024
653
Experian
$4,000
Approved01/12/2024
672
TransUnion
$4,000
Approved01/12/2024
675
Equifax
$4,000
Denied01/12/2024
756
Experian
---
Denied01/12/2024
775
TransUnion
---

Capital One Spark Cash Plus

Capital One Spark Cash Plus

Our Rating: 4.8

★★★★

Capital One Spark Cash Plus

Welcome Offer

$2,000 Cash Back

Est. Value

$2,000

Annual Fee

$150

APR

N/A Variable

Credit Req’d

Excellent

Rewards: Earn unlimited 2% cash back on every purchase, and 5% cash back on hotels and rental cars booked through Capital One Travel.

Capital One Spark Cash Plus is a great card for larger businesses that put a lot of expenses on a card. But this card requires that you pay the balance in full every month. If you put $150,000 on the card in a year, Capital One will waive the annual fee, and if you put $500,000 on it in your first year, you’ll earn an additional bonus of $2,000 in cash back.

2% cash back
On all other eligible purchases
Earn unlimited 2% cash back on every purchase, everywhere-with no limits or category restrictions.
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.

Pros

  • Welcome offer
  • No foreign transaction fee
  • Up to 5% cash back
  • unlimited 2% cash back

Cons

  • Annual fee
  • Requires good credit
  • Pay your balance at the end of the month
App StatusDateCredit ScoreBureauCredit Limit
Approved11/01/2023
790
Not Provided
---

Triple Play Business Credit Cards With Great Welcome Offers

Below are business credit cards that offer 3% or more cash back (or 3x points or miles) in three categories. Add one to your daily driver to maximize cash back.

Ink Business Preferred® Credit Card 

Chase Ink Business Preferred

Our Rating: 4.7

★★★★

Ink Business Preferred® Credit Card

Welcome Offer

Earn 90,000 bonus points

Est. Value

Up to $1,125

Annual Fee

$95

APR

20.49% – 26.49% Variable

Credit Req’d

Excellent, Good

Rewards: 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. Earn 1 point per $1 on all other purchases.

The Ink Business Preferred® Credit Card pays 3 points per $1 on the first $150,000 spent annually in combined purchases on the following categories:

  • Travel
  • Shipping purchases
  • Advertising purchases made with social media and search engines
  • Internet, cable and phone services

Points are worth 25% more when you redeem them for travel through the Chase TravelSM. And if you transfer points to one of Chase’s travel partners, these points could be worth more.

1x points
On all other eligible purchases
Earn 1 point per $1 on all other purchases
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.

Pros

  • Welcome offer
  • No foreign transaction fee
  • Earns Chase Ultimate Rewards points
  • Earn up to 3x points

Cons

  • Annual fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved09/04/2023
760
Not Provided
---
Approved09/26/2023
746
Experian
$5,500
Approved09/26/2023
764
TransUnion
$5,500
Approved09/26/2023
798
Equifax
$5,500
Approved12/27/2023
710
Not Provided
$14,500
Approved07/03/2023
755
Experian
$14,500
Approved09/21/2023
816
Not Provided
---
Approved01/06/2024
825
Experian
$10,000
Approved01/06/2024
845
Equifax
$10,000
Approved01/06/2024
845
TransUnion
$10,000
Approved10/31/2023
788
Experian
$63,000
Approved10/31/2023
804
TransUnion
$63,000

American Express® Business Gold Card 

American Express Business Gold Card

Our Rating: 4.5

★★★★

American Express® Business Gold Card

Welcome Offer (Terms Apply)

Earn 100,000 Membership Rewards® points

Est. Value

Up to $2,000

Annual Fee

$375

APR

18.74% – 27.74% Variable

Credit Req’d

Excellent, Good

Rewards: Earn 4x Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4x points on the first $150,000 in combined purchases from these categories each calendar year (then 1x thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap. Earn 3x Membership Rewards® points on flights booked on amextravel.com. Earn 3x Membership Rewards® points on prepaid hotels booked on amextravel.com. Earn 1x points on other eligible purchases. Terms Apply.

American Express® Business Gold Card offers elevated rewards in the top two categories where your business spends the most money. Eligible categories include:

  • Purchases at U.S. Media providers for advertising in select media (online, TV, radio)
  • U.S. purchases made from electronic goods retailers and software & cloud system providers
  • U.S. purchases at restaurants, including takeout and delivery
  • U.S. purchases at gas stations
  • Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
  • Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.

Rewards are capped at the first $150,000 in combined purchases from these categories per calendar year. The card also offers a number of credits which could come in handy for many businesses, like up to $20 in monthly statement credits after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. You can also get up to a $12.95 statement credit each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card.

Terms Apply.

1x points
On all other eligible purchases
1X is earned for other eligible purchases.
3x points
Airfare
Earn 3X Membership Rewards® points on flights booked on amextravel.com using your Business Gold Card.
3x points
Hotels
Earn 3X Membership Rewards® points on prepaid hotels booked on amextravel.com using your Business Gold Card.
4x points
Select Categories
Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.

Pros

  • Welcome offer
  • No foreign transaction fee
  • Up to 4X Points

Cons

  • Annual fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved02/01/2024
760
Not Provided
---
Approved07/15/2023
709
Equifax
---
Approved07/15/2023
715
Equifax
---
Approved07/15/2023
719
TransUnion
---
Approved07/15/2023
724
Experian
---
Approved07/15/2023
726
TransUnion
---
Approved01/10/2024
797
Experian
---
Approved10/13/2023
682
Equifax
---
Approved10/13/2023
721
Experian
---
Approved10/13/2023
732
TransUnion
---
Approved06/06/2023
780
Not Provided
---
Approved01/22/2024
725
Experian
---

IHG One Rewards Premier Business Credit Card 

Our Rating: 4.6

★★★★

IHG One Rewards Premier Business Credit Card

Welcome Offer

Earn 140,000 Bonus Points

Est. Value

Up to $770

Annual Fee

$99

APR

20.74% – 27.74% Variable

Credit Req’d

Good, Excellent

Rewards: Earn up to 26x points when you stay at IHG Hotels and Resorts. Earn 5x points on restaurants, gas stations, travel, and select advertising. Earn 3x points on other purchases.

The IHG One Rewards Premier Business Credit Card has generous rewards, especially if you’re partial to IHG brand hotels, and a welcome offer. You get automatic platinum elite status as long as you remain a Premier Business cardmember. You can also get an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.

In addition, the card offers elevated rewards on many common business expenses. If you enjoy staying at IHG brand hotels (which include Holiday Inn, Crowne Plaza, and Intercontinental), this card is a no-brainer.

3x points
On all other eligible purchases
Earn 3 points per $1 spent on all other purchases.
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.
26x points
Hotels
Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts.

Pros

  • Welcome offer
  • No foreign transaction fee
  • Earns Chase Ultimate Rewards points

Cons

  • Annual fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved03/28/2023
819
Experian
$50,000
Approved09/10/2023
724
TransUnion
$5,500
Approved09/10/2023
732
Equifax
$5,500
Approved09/10/2023
743
Experian
$5,500
Approved03/02/2023
785
TransUnion
$5,000
Approved03/02/2023
791
Experian
$5,000

Southwest® Rapid Rewards® Performance Business Credit Card

Our Rating: 4.5

★★★★

Southwest® Rapid Rewards® Performance Business Credit Card

Welcome Offer

Earn 80,000 points

Est. Value

Up to $1,240

Annual Fee

$199

APR

20.74% – 27.74% Variable

Credit Req’d

Excellent, Good

Rewards: Earn 4x points on Southwest® purchases. Earn 3x points on Rapid Rewards hotel and car rental partners. Earn 2x points on internet, cable and phone services, select streaming, social media and search engine advertising, and on local transit and commuting purchases, including rideshare, passenger trains, buses, taxis, tolls, and parking lots and garages. Earn 1x points on other purchases.

The Southwest® Rapid Rewards® Performance Business Credit Card offers excellent rewards and travel perks for business owners who fly frequently with Southwest. It also has a good welcome offer, plus you get an additional 9,000 points each year on your cardmember anniversary. A companion pass is 135,000 points, so with the welcome offer and the anniversary points, you’re most of the way there. You also earn additional points through purchases on business expenses like travel, and social media and search engine advertising.

1x points
On all other eligible purchases
Earn 1 point per $1 spent on all other purchases made with your card.
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.
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.
4x points
Southwest Purchases
Earn 4X pts on Southwest® purchases.

Pros

  • Welcome offer
  • No foreign transaction fee
  • Up to 4X Points

Cons

  • Annual fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved01/02/2024
779
Experian
$24,000
Approved01/02/2024
850
Equifax
$24,000
Approved01/02/2024
850
TransUnion
$24,000

Category King Business Credit Cards With Great Welcome Offers

Category king credit cards excel at providing 5% cash back or 5x points or miles in at least one category.

Ink Business Cash® Credit Card

Chase Ink Business Cash

Our Rating: 4.8

★★★★

Ink Business Cash® Credit Card

Welcome Offer

Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400

Est. Value

Up to $750

Annual Fee

$0

APR

17.74% – 25.74% Variable

Credit Req’d

Excellent, Good

Rewards: Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and cell phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on other purchases.

The Ink Business Cash® Credit Card is great if a lot of your business spending is at office supply stores, gas stations, and restaurants. Of course, if you typically go over the spending caps this card has, you might be better off with the Ink Business Unlimited® Credit Card.

Also, if you have this card and a Chase Business Checking account, you can earn a one-time 10% cash bonus on all the eligible cash back you earned during the first year.

1% cash back
On all other eligible purchases
Earn 1% cash back on all other purchases.
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.
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

Pros

  • Welcome offer
  • No annual fee
  • Up to 5% cash back
  • Earns Chase Ultimate Rewards points

Cons

  • Foreign transaction fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved12/13/2023
781
Experian
$3,000
Approved12/13/2023
805
TransUnion
$3,000
Approved12/13/2023
811
Equifax
$3,000
Approved01/03/2023
753
Experian
---
Approved07/04/2023
755
Experian
$3,500
Approved07/04/2023
791
Equifax
$3,500
Approved07/04/2023
815
TransUnion
$3,500
Approved01/06/2023
757
TransUnion
$5,000
Approved01/06/2023
763
Equifax
$5,000
Approved01/06/2023
764
Experian
$5,000
Approved01/12/2024
810
TransUnion
$4,000
Denied08/10/2023
763
Experian
---

The Business Platinum Card® from American Express

Amex Business Platinum Card

Our Rating: 4.5

★★★★

The Business Platinum Card® from American Express

Welcome Offer (Terms Apply)

Earn 150,000 Membership Rewards® points (Terms Apply)

Est. Value

Up to $3,000

Annual Fee

$695

APR

18.74% – 27.74% Variable

Credit Req’d

Excellent, Good

Rewards: Earn 5x Membership Rewards® Points on flights and prepaid hotels booked on AmexTravel.com. Earn 1.5x points on each eligible purchase at US 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, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. Earn 1x points on other eligible purchases. Terms Apply.

The Business Platinum Card® from American Express is in the category king slot because it offers a lot of value as a business travel card. Not only can you earn a great welcome offer, but the card offers 5x points on flights and prepaid hotel purchases. There are some other nice travel benefits like a $200 airline credit to cover baggage fees, and a $199 Clear® Plus Credit so you can breeze through airport security. Plus, complimentary access to 1,400+ airport lounges.

Terms Apply.

1x points
On all other eligible purchases
Earn 1X points for each dollar you spend on eligible purchases.
1.5x points
Select Categories
Earn 1.5X points (that's an extra half point per dollar) on each eligible purchase at US 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, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
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.

Pros

  • Welcome offer
  • No foreign transaction fee
  • Up to 5x points

Cons

  • Annual fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved02/11/2023
720
Not Provided
---
Approved08/29/2023
767
Experian
---
Approved08/03/2023
690
Not Provided
$50,000
Approved03/24/2023
788
Not Provided
$2,000
Denied12/11/2023
753
Experian
---

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

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

Our Rating: 4.5

★★★★

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

Welcome Offer

Earn 75,000 bonus points

Est. Value

$750

Annual Fee

$0 intro annual fee the first year, $95 thereafter

APR

19.24% to 26.24% Variable

Credit Req’d

Good to Excellent 670 – 850

Rewards: Earn 5% back on prepaid hotels and car rentals booked in the Travel Rewards Center. Earn 2% back in the top two categories where you spend the most each month automatically. Earn 1% back on all other eligible purchases.

The U.S. Bank Business Leverage® Visa Signature® Card has an excellent welcome offer and travel benefits. It’s also an easy card for business owners who don’t want to track which card to use for specific purchases. Instead, you earn 2% cash back in your top two spending categories each month automatically. No signing up or clicking a button in the app required.

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

Pros

  • Welcome offer
  • No foreign transaction fee
  • Up to 5% cash back

Cons

  • Annual fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved02/06/2023
645
Experian
$3,000
Approved02/06/2023
661
TransUnion
$3,000
Denied01/11/2024
743
Equifax
---
Denied01/11/2024
751
TransUnion
---
Denied01/11/2024
755
Experian
---

The Hilton Honors American Express Business Card

Hilton Honors American Express Business Card

Our Rating: 4.3

★★★★

The Hilton Honors American Express Business Card

Welcome Offer (Terms Apply)

Earn 175,000 Hilton Honors Bonus Points (Terms Apply)

Est. Value

Up to $875

Annual Fee

$195

APR

20.24% – 29.24% Variable

Credit Req’d

Excellent, Good

Rewards: Earn 12x points directly with hotels and resorts in the Hilton portfolio. Earn 5x points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3x points thereafter. Terms Apply.

The Hilton Honors American Express Business Card is a great card if you often travel for business and prefer Hilton brand hotels. You automatically get Hilton Honors™ Gold Status with this card, which is good for room upgrades when available and complimentary breakfasts. You can also earn up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card. There’s a nice welcome offer and great rewards for the Hilton brand loyal.

Terms Apply.

5x points
Select Categories
Earn 5x Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3x points thereafter.
12x points
Hotels
Earn 12x Hilton Honors Bonus Points on eligible Hilton purchases

Pros

  • Welcome offer
  • No foreign transaction fee
  • Earn 12x at Hilton hotels

Cons

  • Annual fee
  • High APR

Other Business Credit Cards with Great Welcome Offers

While the card below doesn’t fit into one of the categories above, it still offers excellent value.

Southwest® Rapid Rewards® Premier Business Credit Card

Our Rating: 4.4

★★★★

Southwest® Rapid Rewards® Premier Business Credit Card

Welcome Offer

Earn 60,000 points

Est. Value

Up to $930

Annual Fee

$99

APR

20.74% – 27.74% Variable

Credit Req’d

Excellent, Good

Rewards: Earn 3x points on Southwest Airlines® purchases. Earn 2x points on Rapid Rewards® hotel and car rental partners, and on local transit and commuting, including rideshare services. Earn 1x points on other purchases.

The Southwest® Rapid Rewards® Premier Business Credit Card offers excellent value for a reasonable annual fee for business owners who frequently fly with Southwest. You can earn a great welcome offer and elevated rewards on some travel and transit categories, plus you earn 6,000 bonus points every year on your cardmember anniversary. To make your flights more pleasant, the card offers 2 early bird check-ins each year, and 25% back on in-flight purchases. Bags always fly free on Southwest.

1x points
On all other eligible purchases
Earn 1 point per $1 spent on everyday purchases.
2x points
Hotels
Earn 2x points on Rapid Rewards® hotel partners.
2x points
Rental Cars
Earn 2x points on Rapid Rewards® car rental partners.
2x points
Transit
Earn 2x points on local transit and commuting, including rideshare services.
3x points
Southwest Purchases
Earn 3x points on Southwest Airlines® purchases.

Pros

  • Welcome offer
  • No foreign transaction fee

Cons

  • Annual fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved11/12/2022
794
Experian
$17,000
Approved11/12/2022
798
TransUnion
$17,000

Complete List of Business Credit Card Welcome Offers

Rewards
2x - 10x miles
Bonus
150,000 Miles
150,000 Miles once you spend $30,000 in the first 3 months from account opening
Earn 75,000 bonus points: a $750 value after spending $10,000 on the Account Owner's card in the first 120 days of opening your account.
Earn 60,000 points if you spend $6,000 in the first 180 days.
Rewards
1x - 9x points
Bonus
60,000 Points
60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.
Rewards
1x to 3x miles
Bonus
50,000 Miles
Get 50,000 bonus miles and Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) after you make $3,000 or more in purchases within the first 90 days of opening your account.
Rewards
1.5x to 5x miles
Bonus
50,000 Miles
Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months from account opening.
Rewards
1x to 2x miles
Bonus
20,000 Miles
Earn 20,000 bonus miles when you spend $2,000 within 90 days of account opening.
Rewards
1x - 8x points
Bonus
80,000 Points
Earn up to 80,000 bonus points, enough for up to 10 free nights. Earn 40,000 bonus points after spending $4,000 on purchases in the first 90 days and earn 40,000 bonus points after spending $15,000 on purchases within the first 365 days. Free nights can require up to 30,000 points per bedroom at participating properties and are subject to availability. Resort fees may apply and cannot be paid with points.
Earn 30,000 online bonus points after you made at least $3,000 in purchases in the first 90 days of your account opening, which can be redeemed for a $300 statement credit towards travel or dining purchases.
Rewards
1.5x points
Bonus
2,500 Points
Earn 2,500 bonus rewards points after your first purchase.
Rewards
1x - 5x points
Bonus
100,000 Points
Earn a welcome bonus of up to 100,000 rewards points in your first year. Earn 50,000 bonus rewards points when you spend $5,000 within 3 months of account opening, plus an additional 50,000 bonus rewards points when you spend at least $50,000 within 12 months of account opening.
Rewards
1x to 2x points
Bonus
20,000 Points
Earn 20,000 bonus rewards points when you spend $500 in the first 90 days of account opening.
Rewards
1x to 6x points
Bonus
60,000 Points
Earn up to 60,000 bonus points. Earn 50,000 bonus points after spending $4,000 on purchases in the first 90 days. Earn 10,000 bonus points when a purchase is made on an employee card in the first 90 days.
Rewards
1% to 5% cash back
Bonus
$750
Get $750 in Bonus Earnings to redeem with GM after spending $5,000 on the GM Business™ Mastercard® in your first 5 months.
Rewards
1x to 3x miles
Bonus
50,000 Miles
Earn 50,000 bonus HawaiianMiles after spending $4,000 on purchases within the first 90 days.
Rewards
1% - 1.5% cash back, or 5x points, or 1x miles
Bonus
$750
Earn a $750 Statement Credit when you make at least $25,000 in qualifying purchases, using your new PNC BusinessOptions Visa credit card account, during the first three billing cycles following account opening.
Rewards
1x miles
Bonus
2,500 Miles
Earn double miles on your first $2,500 in eligible net purchases.
Rewards
2% cash back
Bonus
$250
Earn $250 Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening.
Rewards
1.5x to 7x miles
Bonus
50,000 Miles
Earn 50,000 bonus miles + 1,000 Premier qualifying points (PQP) after you spend $5,000 on purchases in the first 3 months your account is open.
Rewards
1x to 2x points
Bonus
20,000 Points
Earn 20,000 bonus rewards points when you spend $500 in the first 90 days of account opening ($200 bonus).
Rewards
1.5x points
Bonus
2,500 Points
Earn 2,500 bonus rewards points after your first purchase.
Rewards
1% to 3% cash back
Bonus
$25
Get $25 cash back applied to your account after your first purchase.
Rewards
1.5x points
Bonus
2,500 Points
Earn 2,500 bonus rewards points after your first purchase.
Rewards
1x to 2x points
Bonus
20,000 Points
Earn 20,000 bonus rewards points when you spend $500 in the first 90 days of account opening.
Rewards
1x to 2x points
Bonus
200 Points
Earn $200 (20,000 bonus rewards points) when you spend $500 in the first 90 days of account opening.
Rewards
1.5x points
Bonus
2,500 Points
Earn 2,500 bonus rewards points after your first purchase.
Rewards
1x to 2x points
Bonus
200 Points
Earn a $200 cash back reward (20,000 points) after you spend $5,000 within the first 90 days of account opening.
Rewards
1% - 3% cash back
Bonus
$25
Earn $25 cash back bonus reward applied to your account after your first purchase.
Rewards
1.5x points
Bonus
2,500 Points
Earn 2,500 bonus rewards points after your first purchase.
Rewards
1.5x points
Bonus
2,500 Points
Earn 2,500 bonus rewards points after your first purchase.
Rewards
1x to 2x points
Bonus
20,000 Points
Earn 20,000 bonus rewards points when you spend $500 in the first 90 days of account opening.
Rewards
1x to 2x points
Bonus
20,000 Points
Earn 20,000 bonus rewards points ($200) when you spend $500 in the first 90 days of account opening.
Rewards
1x - 2x miles
Bonus
75,000 Miles
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.
Rewards
3x to 12x points
Bonus
175,000 Points
Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 1/8/2025.
N/A
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.
Rewards
1X to 3X Miles
Bonus
80,000 Miles
Earn 80,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.
Rewards
1x to 3x points
Bonus
60,000 Points
Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
Rewards
1-3x points
Bonus
90,000 Points
Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Rewards
1%-5%
Bonus
$350
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Rewards
1x - 4x points
Bonus
100,000 Points
Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
Rewards
1x - 2x miles
Bonus
60,000 Miles
Earn 60,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership.
Earn 70,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership.
Rewards
1x to 5x Points
Bonus
150,000 Points
Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
Rewards
2x to 6x points
Bonus
3 Points
Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership.
Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
Rewards
1X to 4X points
Bonus
80,000 Points
Earn 80,000 points after you spend $5,000 on purchases in 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.
Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.
Rewards
3x - 26x points
Bonus
140,000 Points
Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening
Rewards
1% to 5% cash back
Bonus
$75,000
Earn 75,000 bonus points. Earn up to $750 in rewards when you spend $7,500 in eligible purchases on the account owner's card within the first 120 days of opening your account.
Rewards
1x to 2x Miles
Bonus
65,000 Miles
For a limited time, earn 65,000 American Airlines AAdvantage® bonus miles after $4,000 in purchases within the first 4 months of account opening.
Rewards
2%-5%
Bonus
$1,000
Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
Rewards
1% to 5%
Bonus
Earn 5% Cash Back at Lowe's
Earn 5% Cash Back in the first 6 months on eligible purchases at Lowe's. Earn 2% cash back thereafter. New accounts only.
Rewards
1x - 2x points
Bonus
15,000 Points
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.
Rewards
2x to 5x miles
Bonus
50,000 Miles
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

How to Choose the Best Business Credit Card Signup Offers

It’s a great time to find a business credit card signup offer, with some cards offers as high as $1,000. Some point-based offers 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 offer: Signup offers 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 offers 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 offer 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

Frequently Asked Questions (FAQ)

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 proprietor, 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 offers 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.