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.
- 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:
- 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:
- 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:
- 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:
- 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:
- 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:
- 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:
- 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:
- 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:
- 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:
- 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:
- 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
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.