Maria Adams, Credit Cards Moderator
@m_adams
The best business credit card signup bonus is $1,000 once you spend $10,000 in the first 3 months you have the Capital One Spark Cash Card. You will also get 5% cash back on hotel and rental cars booked through Capital One's travel booking site, and 2% cash back on all other purchases. Capital One Spark Cash has a $0 intro for 1st yr, $95 after annual fee (see details, rates & fees).
Another good option is the Ink Business Preferred® Credit Card if you are looking for a travel bonus. The card gives an initial bonus of 100,000 points for spending $8,000 in the first 3 months, worth $1,000 when redeemed for cash, gift cards, and travel.
Best Business Credit Card Sign-up Bonuses
Initial Bonus: $1,000 once you spend $10,000 in the first 3 months
Ongoing Rewards: 5% cash back on hotel and rental cars booked through Capital One's travel booking site, and 2% cash back on all other purchases
Annual Fee: $0 intro for 1st yr, $95 after
Credit Score: Excellent
Initial Bonus: $750 for spending $6,000 in the first 3 months
Ongoing Rewards: 5% cash back on the first $25,000 spent per year in combined purchases at office supply stores and on internet, cable and phone services; 2% cash back on the first $25,000 spent per year at gas stations and restaurants combined; and 1% back on all other purchases
Annual Fee: $0
Credit Score: Good
Initial Bonus: $750 for spending $6,000 in the first 3 months
Ongoing Rewards: 1.5% cash back on all purchases
Annual Fee: $0
Credit Score: Good
Initial Bonus: $2,000 for spending $30,000 in the first 3 months, plus an additional $2,000 bonus for every $500,000 spent in the first year
Ongoing Rewards: 5% cash back on hotels and rental cars booked through Capital One's travel booking site, and 2% cash back on all other purchases
Annual Fee: $150
Credit Score: Excellent
Initial Bonus: 140,000 bonus points after spending $4,000 in the first 3 months
Ongoing Rewards: 10 points per $1 spent at IHG hotels, 5 points per $1 at gas stations, restaurants, on travel, select advertising and office supply stores, as well as 3 points per $1 on all other purchases
Annual Fee: $99
Credit Score: Good
Initial Bonus: 80,000 points for spending $5,000 in the first 3 months
Ongoing Rewards: 4 points per $1 spent on Southwest® purchases, 2 points per $1 spent at gas stations and on restaurant purchases, 2 points per $1 on local transit and commuting, including rideshare, 2 points per $1 on hotel stays booked directly with the hotel, and 1 point per $1 on all other purchases
Annual Fee: $299
Credit Score: Good
It’s important to remember that while initial bonuses are valuable, they’re a one-time deal. You’ll need to make sure you have a credit card that stays worthwhile after the first year.
The best business credit card sign-up bonus for you ultimately depends on the type of rewards you’re looking for, the card’s cost, and the other features it offers. Check out our editors’ picks for the best business credit cards to explore more options.
Popular Business Credit Cards
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Travel Rewards
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Best for Startups
MM Turner, Member
@matt_t_official
I like to divide the bonus amount by the required spending and multiply by 100 to get a % return. That’s a good tiebreaker at least. A lot depends on how much you plan to spend. You don’t want to overspend just to earn a bonus.
Harper Walker, Member
@harperw1
There’s basically two tiers: the eye-catching ones that make you spend tens of thousands of dollars to qualify, and those more similar to consumer bonuses. Just pick whichever fits your spending the best. My favorites are Capital One Spark Plus and Chase Ink Preferred.
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One of the easiest Chase business credit cards to get is the co-branded IHG One Rewards Premier Business Credit Card. All Chase business cards require at least good credit for approval, though co-branded cards without a ton of premium perks tend to be easier to get than the company’s signature business credit cards. The IHG One Rewards Premier Business Credit Card comes with an annual fee of $99, in addition to 3 - 10 points per $1 spent on purchases.
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read full answer by Lisa Cahill, Credit Cards ModeratorDid we answer your question?
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