Best Business Credit Card Signup Bonuses for December 2024

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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

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

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Our Rating: 4.9

★★★★★☆

Capital One Venture X Business

Welcome Offer

150,000 Miles

150,000 Miles once you spend $30,000 in the first 3 months from account opening

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Est. Value

Up to $2,625

We estimate the value of points and miles based on extensive research into redemption options. Keep in mind that the actual value can vary significantly based on how you use the points or miles.

Learn More

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.

Why the card made the list

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.

Rewards

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 & Cons

Pros

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

Cons

• Annual fee
• Requires good credit
• Pay-in-full card

Credit Score of Approved and Denied Applications

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	07/01/2023	752	Not Provided	---
Approved	01/11/2024	780	Not Provided	---
Approved	11/09/2023	768	Equifax	---
Approved	11/09/2023	783	TransUnion	---
Approved	11/09/2023	814	Experian	---
Denied	12/31/2023	741	TransUnion	---
Denied	12/31/2023	775	Equifax	---

Ink Business Premier® Credit Card 

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Our Rating: 4.9

★★★★★☆

Ink Business Premier® Credit Card

Welcome Offer

Earn $1,000 bonus cash back

Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.

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Est. Value

$1,000

We estimate the value of points and miles based on extensive research into redemption options. Keep in mind that the actual value can vary significantly based on how you use the points or miles.

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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 Travel^SM. Earn 2.5% total cash back on purchases of $5,000 or more. Earn 2% cash back on all other business purchases.

Why the card made the list

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.

Rewards

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 & Cons

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

Credit Score of Approved and Denied Applications

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	06/27/2023	690	Experian	$10,000
Approved	01/03/2023	755	Not Provided	$20,000
Approved	01/03/2023	766	Not Provided	$20,000
Approved	01/03/2023	768	Not Provided	$20,000

Ink Business Unlimited® Credit Card 

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Our Rating: 4.6

★★★★★☆

Ink Business Unlimited® Credit Card

Welcome Offer

Earn $750 bonus cash back

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

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Est. Value

$750

We estimate the value of points and miles based on extensive research into redemption options. Keep in mind that the actual value can vary significantly based on how you use the points or miles.

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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.

Why the card made the list

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.

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

Pros & Cons

Pros

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

Cons

• Foreign transaction fee
• Requires good credit

Credit Score of Approved and Denied Applications

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	03/18/2023	825	Experian	$6,000
Approved	12/14/2023	783	TransUnion	$8,000
Approved	12/14/2023	787	Experian	$8,000
Approved	12/14/2023	791	Equifax	$8,000
Approved	10/04/2023	734	TransUnion	$8,000
Approved	10/04/2023	735	Equifax	$8,000
Approved	10/30/2023	850	Experian	$16,000
Approved	04/25/2023	662	Equifax	$4,000
Approved	04/25/2023	667	TransUnion	$4,000
Approved	04/25/2023	718	Experian	$4,000
Approved	04/16/2023	843	Experian	$16,000
Approved	01/12/2024	653	Experian	$4,000
Approved	01/12/2024	672	TransUnion	$4,000
Approved	01/12/2024	675	Equifax	$4,000
Denied	01/12/2024	756	Experian	---
Denied	01/12/2024	775	TransUnion	---

Capital One Spark Cash Plus

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Our Rating: 4.8

★★★★★☆

Capital One Spark Cash Plus

Welcome Offer

$2,000 Cash Back

$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

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Est. Value

$2,000

We estimate the value of points and miles based on extensive research into redemption options. Keep in mind that the actual value can vary significantly based on how you use the points or miles.

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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.

Why the card made the list

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.

Rewards

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 & Cons

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

Credit Score of Approved and Denied Applications

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	11/01/2023	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 

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Our Rating: 4.7

★★★★★☆

Ink Business Preferred® Credit Card

Welcome Offer

Earn 90,000 bonus points

Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

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Est. Value

Up to $1,125

We estimate the value of points and miles based on extensive research into redemption options. Keep in mind that the actual value can vary significantly based on how you use the points or miles.

Learn More

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.

Why the card made the list

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 Travel^SM. And if you transfer points to one of Chase’s travel partners, these points could be worth more.

Rewards

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 & Cons

Pros

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

Cons

• Annual fee
• Requires good credit

Credit Score of Approved and Denied Applications

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	09/04/2023	760	Not Provided	---
Approved	09/26/2023	746	Experian	$5,500
Approved	09/26/2023	764	TransUnion	$5,500
Approved	09/26/2023	798	Equifax	$5,500
Approved	12/27/2023	710	Not Provided	$14,500
Approved	07/03/2023	755	Experian	$14,500
Approved	09/21/2023	816	Not Provided	---
Approved	01/06/2024	825	Experian	$10,000
Approved	01/06/2024	845	Equifax	$10,000
Approved	01/06/2024	845	TransUnion	$10,000
Approved	10/31/2023	788	Experian	$63,000
Approved	10/31/2023	804	TransUnion	$63,000

American Express® Business Gold Card 

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Our Rating: 4.5

★★★★★☆

American Express® Business Gold Card

Welcome Offer (Terms Apply)

Earn 100,000 Membership Rewards® 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.*

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Est. Value

Up to $2,000

We estimate the value of points and miles based on extensive research into redemption options. Keep in mind that the actual value can vary significantly based on how you use the points or miles.

Learn More

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.

Why the card made the list

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.

Rewards

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 & Cons

Pros

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

Cons

• Annual fee
• Requires good credit

Credit Score of Approved and Denied Applications

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	02/01/2024	760	Not Provided	---
Approved	07/15/2023	709	Equifax	---
Approved	07/15/2023	715	Equifax	---
Approved	07/15/2023	719	TransUnion	---
Approved	07/15/2023	724	Experian	---
Approved	07/15/2023	726	TransUnion	---
Approved	01/10/2024	797	Experian	---
Approved	10/13/2023	682	Equifax	---
Approved	10/13/2023	721	Experian	---
Approved	10/13/2023	732	TransUnion	---
Approved	06/06/2023	780	Not Provided	---
Approved	01/22/2024	725	Experian	---

IHG One Rewards Premier Business Credit Card 

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Our Rating: 4.6

★★★★★☆

IHG One Rewards Premier Business Credit Card

Welcome Offer

Earn 140,000 Bonus Points

Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening

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Est. Value

Up to $770

We estimate the value of points and miles based on extensive research into redemption options. Keep in mind that the actual value can vary significantly based on how you use the points or miles.

Learn More

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.

Why the card made the list

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.

Rewards

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 & Cons

Pros

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

Cons

• Annual fee
• Requires good credit

Credit Score of Approved and Denied Applications

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	03/28/2023	819	Experian	$50,000
Approved	09/10/2023	724	TransUnion	$5,500
Approved	09/10/2023	732	Equifax	$5,500
Approved	09/10/2023	743	Experian	$5,500
Approved	03/02/2023	785	TransUnion	$5,000
Approved	03/02/2023	791	Experian	$5,000

Southwest® Rapid Rewards® Performance Business Credit Card

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Our Rating: 4.5

★★★★★☆

Southwest® Rapid Rewards® Performance Business Credit Card

Welcome Offer

Earn 80,000 points

Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.

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Est. Value

Up to $1,240

We estimate the value of points and miles based on extensive research into redemption options. Keep in mind that the actual value can vary significantly based on how you use the points or miles.

Learn More

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.

Why the card made the list

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.

Rewards

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 & Cons

Pros

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

Cons

• Annual fee
• Requires good credit

Credit Score of Approved and Denied Applications

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	01/02/2024	779	Experian	$24,000
Approved	01/02/2024	850	Equifax	$24,000
Approved	01/02/2024	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

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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

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.

Learn More

Est. Value

Up to $750

We estimate the value of points and miles based on extensive research into redemption options. Keep in mind that the actual value can vary significantly based on how you use the points or miles.

Learn More

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.

Why the card made the list

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.

Rewards

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 & Cons

Pros

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

Cons

• Foreign transaction fee
• Requires good credit

Credit Score of Approved and Denied Applications

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	12/13/2023	781	Experian	$3,000
Approved	12/13/2023	805	TransUnion	$3,000
Approved	12/13/2023	811	Equifax	$3,000
Approved	01/03/2023	753	Experian	---
Approved	07/04/2023	755	Experian	$3,500
Approved	07/04/2023	791	Equifax	$3,500
Approved	07/04/2023	815	TransUnion	$3,500
Approved	01/06/2023	757	TransUnion	$5,000
Approved	01/06/2023	763	Equifax	$5,000
Approved	01/06/2023	764	Experian	$5,000
Approved	01/12/2024	810	TransUnion	$4,000
Denied	08/10/2023	763	Experian	---

The Business Platinum Card® from American Express

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Our Rating: 4.5

★★★★★☆

The Business Platinum Card® from American Express

Welcome Offer (Terms Apply)

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

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.

Learn More

Est. Value

Up to $3,000

We estimate the value of points and miles based on extensive research into redemption options. Keep in mind that the actual value can vary significantly based on how you use the points or miles.

Learn More

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.

Why the card made the list

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.

Rewards

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 & Cons

Pros

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

Cons

• Annual fee
• Requires good credit

Credit Score of Approved and Denied Applications

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	02/11/2023	720	Not Provided	---
Approved	08/29/2023	767	Experian	---
Approved	08/03/2023	690	Not Provided	$50,000
Approved	03/24/2023	788	Not Provided	$2,000
Denied	12/11/2023	753	Experian	---

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

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Our Rating: 4.5

★★★★★☆

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

Welcome Offer

Earn 75,000 bonus points

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.

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Est. Value

$750

We estimate the value of points and miles based on extensive research into redemption options. Keep in mind that the actual value can vary significantly based on how you use the points or miles.

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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.

Why the card made the list

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.

Rewards

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 & Cons

Pros

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

Cons

• Annual fee
• Requires good credit

Credit Score of Approved and Denied Applications

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	02/06/2023	645	Experian	$3,000
Approved	02/06/2023	661	TransUnion	$3,000
Denied	01/11/2024	743	Equifax	---
Denied	01/11/2024	751	TransUnion	---
Denied	01/11/2024	755	Experian	---

The Hilton Honors American Express Business Card

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Our Rating: 4.3

★★★★★☆

The Hilton Honors American Express Business Card

Welcome Offer (Terms Apply)

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

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.

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Est. Value

Up to $875

We estimate the value of points and miles based on extensive research into redemption options. Keep in mind that the actual value can vary significantly based on how you use the points or miles.

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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.

Why the card made the list

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.

Rewards

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 & Cons

Pros

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

Cons

• Annual fee
• High APR

Credit Score of Approved and Denied Applications

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

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Our Rating: 4.4

★★★★★☆

Southwest® Rapid Rewards® Premier Business Credit Card

Welcome Offer

Earn 60,000 points

Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.

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Est. Value

Up to $930

We estimate the value of points and miles based on extensive research into redemption options. Keep in mind that the actual value can vary significantly based on how you use the points or miles.

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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.

Why the card made the list

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.

Rewards

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 & Cons

Pros

• Welcome offer
• No foreign transaction fee

Cons

• Annual fee
• Requires good credit

Credit Score of Approved and Denied Applications

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	11/12/2022	794	Experian	$17,000
Approved	11/12/2022	798	TransUnion	$17,000

Complete List of Business Credit Card Welcome Offers

Capital One Venture X Business

Rewards
2x - 10x miles

Bonus
150,000 Miles

150,000 Miles once you spend $30,000 in the first 3 months from account opening

U.S. Bank Business Altitude™ Power World Elite Mastercard®

Rewards
2x - 6x points

Bonus
75,000 Points

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.

U.S. Bank Business Altitude Connect World Elite Mastercard®

Rewards
1x to 5x points

Bonus
60,000 Points

Earn 60,000 points if you spend $6,000 in the first 180 days.

World of Hyatt Business Credit Card

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.

Alaska Airlines Business Credit Card

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.

Capital One Spark Miles Select for Business

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.

Truist Business Travel Rewards Credit Card

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.

Wyndham Rewards Earner® Business Card

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.

Bank of America Business Advantage Travel Rewards World Mastercard®

Rewards
1.5x points

Bonus
30,000 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.

Eastern Bank Business Real Rewards Card

Rewards
1.5x points

Bonus
2,500 Points

Earn 2,500 bonus rewards points after your first purchase.

BMO Business Platinum Rewards Credit Card

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.

Eastern Bank Smart Business Rewards Card

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.

JetBlue Business Card

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.

GM Business Card/Marcus by Goldman Sachs® 

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.

Hawaiian Airlines® World Elite Business Mastercard®

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.

PNC BusinessOptions® Visa Signature® Credit Card

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.

PNC Travel Rewards Visa® Business Credit Card

Rewards
1x miles

Bonus
2,500 Miles

Earn double miles on your first $2,500 in eligible net purchases.

TD Business Solutions Credit Card

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.

United Club(SM) Business Card

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.

Bremer Bank Smart Business Rewards Card

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).

Berkshire Bank Business Real Rewards Card

Rewards
1.5x points

Bonus
2,500 Points

Earn 2,500 bonus rewards points after your first purchase.

Associated Bank Business Cash Preferred Card

Rewards
1% to 3% cash back

Bonus
$25

Get $25 cash back applied to your account after your first purchase.

Associated Bank Business Real Rewards Card

Rewards
1.5x points

Bonus
2,500 Points

Earn 2,500 bonus rewards points after your first purchase.

Associated Bank Smart Business Rewards Card

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.

Community Bank Smart Business Rewards Card

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.

Community Bank Business Real Rewards Card

Rewards
1.5x points

Bonus
2,500 Points

Earn 2,500 bonus rewards points after your first purchase.

everblue® Business Rewards Plus Credit Card

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.

Bank of Oklahoma Business Cash Preferred Card

Rewards
1% - 3% cash back

Bonus
$25

Earn $25 cash back bonus reward applied to your account after your first purchase.

Bank of Oklahoma Business Real Rewards Card

Rewards
1.5x points

Bonus
2,500 Points

Earn 2,500 bonus rewards points after your first purchase.

Bremer Bank Business Real Rewards Card

Rewards
1.5x points

Bonus
2,500 Points

Earn 2,500 bonus rewards points after your first purchase.

Bank of Oklahoma Smart Business Rewards Card

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.

Berkshire Bank Smart Business Rewards Card

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.

United℠ Business Card

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.

The Hilton Honors American Express Business Card

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.

The Plum Card® from American Express

Rewards
0 - 1.5%

Bonus
$1

N/A

The Blue Business® Plus Credit Card from American Express

Rewards
1x - 2x

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.

Delta SkyMiles® Reserve Business American Express Card

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.

Southwest® Rapid Rewards® Premier Business Credit Card

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.

Ink Business Preferred® Credit Card

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.

Ink Business Cash® Credit Card

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.

Ink Business Unlimited® Credit Card

Rewards
1.5%

Bonus
$750

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

American Express® Business Gold Card

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.*

Delta SkyMiles® Gold Business American Express Card

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.

Delta SkyMiles® Platinum Business American Express Card

Rewards
1x - 3x miles

Bonus
70,000 Miles

Earn 70,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership.

The Business Platinum Card® from American Express

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.

Marriott Bonvoy Business® American Express® Card

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.

Bank of America Platinum Plus® Mastercard® Business Credit Card

Rewards
None

Bonus
$300

Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.

The American Express Blue Business Cash™ Card

Rewards
1% - 2%

Bonus
$250

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.

Southwest® Rapid Rewards® Performance Business Credit Card

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.

Amazon Business Prime American Express Card

Rewards
1% to 5%

Bonus
$125

Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.

Amazon Business American Express Card

Rewards
1% - 3%

Bonus
$100

Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.

IHG One Rewards Premier Business Credit 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

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

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.

Citi® / AAdvantage Business™ World Elite Mastercard®

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.

Revenued Business Card Visa® Commercial Card

Rewards
3%

Bonus
$

Ink Business Premier® Credit Card

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.

Lowe's Business Rewards Card

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.

Business Green Rewards Card from American Express

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.

Capital One Spark Miles for Business

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)

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.