Top Small-Business Credit Card Offers for May 2022

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Want to put your business expenses to work earning points, miles, or cash back? Today, we’re featuring 8 business rewards cards that are all running outstanding welcome offers.

Whether you're a business owner, freelancer, or entrepreneur, there is currently a smorgasbord of new-cardmember bonuses available. The biggest offers require some big spending, but there are also some absolute gems with smaller requirements to earn a great bonus, including two cards that don’t charge any annual fee.

Let's dive straight in and see which of these business-card offers deserves a spot in your wallet.

The Best Small Business Credit Card Offers Right Now

The Business Platinum Card® from American Express
The Business Platinum Card® from American Express
Apply Now
Rates & Fees
(Terms apply)
The Business Platinum Card® from American Express
Annual Fee$695
Welcome Offer Welcome Offer: 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.
  • Welcome Offer: 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.
  • Plus, 0% Intro APR for 12 months from the date of the account opening on purchases eligible for Pay Over Time. After that, your APR will be 14.99% to 22.99% based on your credit worthiness and other factors as determined at the time of account opening.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
  • Earn 1.5X points on eligible purchases 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 everywhere else, on up to $2 million of these purchases per calendar year.
  • Unlock over $1,000 in value per year for statement credits on select purchases with your Card, including up to $400 with Dell Technologies, up to $360 with Indeed, up to $150 with Adobe and up to $120 on wireless telephone purchases. Enrollment required.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year toward baggage fees and more at one qualifying airline.
  • $189 CLEAR® Credit: Use your Card and get up to $189 back per year on your CLEAR® membership.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
  • $695 Annual Fee.
  • Terms Apply.
  • Rates & Fees
  • Earn 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Earn 1.5X Membership Rewards® points on eligible purchases of $5,000 or more.
  • Earn 1.5X Membership Rewards® points on eligible purchases with U.S. construction material and hardware suppliers.
  • Earn 1.5X Membership Rewards® points on eligible purchases with U.S. electronic goods retailers and software & cloud system providers.
  • Earn 1.5X Membership Rewards® points on eligible purchases with U.S. shipping providers.
  • 1.5X earning rates are subject to a cap of $2 million in purchases per calendar year.

In addition to its six-figure welcome offer, the Business Platinum Card delivers excellent long-term value due to its stellar list of travel benefits. Aimed squarely at road warriors and entrepreneurs that travel for business, this card carries the best elite-status perks of any card on this list.

Capital One Spark Cash Plus
Capital One Spark Cash Plus
Annual Fee$150
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
  • 2% Cash Back on every purchase and 5% Cash Back on hotels and rental cars booked through Capital One Travel

The Capital One Spark Cash Plus hits the trifecta of a fantastic bonus, a modest annual fee, and unlimited cash back on business purchases. This card is a solid choice if you value simplicity and don't want to think about which card you need to pull out for each specific purchase. You'll earn 2% back on all purchases and 5% cash back on hotels and rental cars booked through Capital One Travel, and if you hold a Capital One Miles-earning card, you can convert your cash back to transferable miles.

IHG® Rewards Premier Business Credit Card
IHG® Rewards Premier Business Credit Card
Annual Fee$99
Welcome Bonus Earn 140,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening
  • Earn 140,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening
  • Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for any stay of 3 or more nights
  • Earn up to 26 points total per $1 spent when you stay at an IHG hotel
  • Earn 5 points per $1 spent on purchases on travel, gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases
  • Platinum Elite status as long as you remain a Premier card member
  • Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
  • IHG Rewards bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
  • Earn 26x points total per $1 spent when you stay at an IHG hotel
  • 5X points per $1 spent on travel, dining, social media search engine advertising, and at office supply stores and gas stations
  • 3X points per $1 spent on all other purchases

The earning for spending at IHG hotels breaks down as follows:
  • Earn 10X points for being a IHG® Rewards Premier Business Credit Card member
  • Earn 6X points from IHG® with Platinum Elite Status, a benefit of having this card
  • Earn 10X points from IHG® for being an IHG® Rewards Club Member (Being a cardholder is not required to earn this bonus for participating in the IHG® loyalty program)

One of the latest cards released by Chase is the new IHG® Rewards Premier Business Credit Card. The card features a launch offer of 140,000 bonus points after meeting an affordable minimum spend of $3,000 in the first three months, plus you can take advantage of excellent benefits including Platinum Elite status and a complimentary Reward Night certificate each year worth up to 40K points.

Best Business Card Offers for Earning Flexible Rewards Points

Ink Business Preferred® Credit Card
Ink Business Preferred® Credit Card
Annual Fee$95
Welcome Offer Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®.
The most valuable Ultimate Rewards signup bonus on offer and our top pick for small business rewards cards. Business owners earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®. Plus, earn up to 450,000 points per year on a wide range of 3X bonus categories.
  • Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
  • 3X points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year
  • 1X point per $1 on all other purchases

The Ink Preferred is one of our favorite business rewards cards. Earn a mammoth signup bonus after reaching a reasonable spending target, and stack up even more points with 3x earning on popular categories of business purchases. With accessible benefits and an annual fee of only $95, Ink Preferred is one of the most value-driven business cards on the market.

American Express® Business Gold Card
American Express® Business Gold Card
Apply Now
Rates & Fees
(Terms apply)
American Express® Business Gold Card
Annual Fee$295
Welcome Offer Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
  • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
  • AIRLINE BONUS: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
  • PAY OVER TIME OPTION: Decide whether you want to pay eligible purchases in full each month-or pay over time with interest.*
  • *Terms Apply
  • Rates & Fees
Get 4X Membership Rewards® points on the 2 categories where your business spent the most each billing cycle from the list below:
  • Airfare purchased directly from airlines
  • U.S. purchases for advertising in select media (online, TV, radio)
  • U.S. purchases made directly from select technology providers of computer hardware, software, and cloud solutions
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants
  • U.S. purchases for shipping

*4X points applies to the first $150,000 in combined purchases from these 2 categories each calendar year; then earn 1 point per dollar.

Sporting a fantastic new-cardmember welcome offer, the Business Amex Gold offers plenty of value courtesy of its 4X bonus categories. Cardholders earn 4X Membership Rewards points on the 2 select categories where your business spent the most each month, 1X on other purchases. 4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.

Best Offers on Business Cards with No Annual Fee

Ink Business Cash® Credit Card
Ink Business Cash® Credit Card
Annual Fee$0
Welcome Bonus Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.
Features a $750 cash back signup bonus, and you earn 5% cash back on a select range of business expenses on the first $25,000 spent each year.
  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • 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
  • 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 all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • 0% introductory APR for 12 months on purchases
  • 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • 1% cash back on all other card purchases with no limit to the amount you can earn

Providing some of the highest returns on spending of any no-annual-fee business card, the Ink Cash also offers one of the best signup bonuses. Pair this card with an Ultimate Rewards card that charges an annual fee and you can combine your rewards to get an even better return on your points.

Ink Business Unlimited® Credit Card
Ink Business Unlimited® Credit Card
Annual Fee$0
Welcome Bonus Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.
The best business card to earn Ultimate Rewards on non-bonus purchases, you receive a $750 cash back bonus after you spend $7,500 on purchases in the first 3 months from account opening. Earn 1.5% back on all business expenses.
  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • 0% introductory APR for 12 months on purchases
  • Earn unlimited 1.5% cash back on every purchase made for your business

This card is the everyday workhorse of the Ultimate Rewards family. In addition to the stellar welcome offer, the Ink Unlimited earns 1.5X points (or 1.5% cashback) on every dollar spent—in every category. The current bonus is an all-time high for this card and converts to 75,000 Ultimate Rewards if you hold an Ultimate Rewards card that can transfer to partners.

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Annual Fee$0
Welcome Bonus Limited Time Offer: Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
  • 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center
  • 3% cash back on eligible purchases at gas stations and EV charging stations
  • 3% cash back at office supply stores
  • 3% cash back at cell phone service providers
  • 3% cash back at restaurants
  • 1% cash back on all other eligible net purchases

One of the highlights of the U.S. Bank family of rewards cards, the Business Triple Cash Card features a high-value signup offer, plus excellent cash back bonus categories. Cardmembers earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center, 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants, and 1% cash back on all other purchases.

What Makes a Great Small Business Credit Card?

The one that earns a top return on the purchases you make most! What works best for a restaurant owner may not be the ideal choice for a mechanic, an online retailer, or an events planner. If you are a consultant who travels for work, your needs will differ vastly from those of a brick-and-mortar fashion retailer who is aiming to maximize cash-back returns.

Some business cards offer flexibility on big purchases via an introductory 0% APR offer and low annual fees. Others offer travel benefits such as elite status with hotels and annual travel credits. If you won't benefit from travel perks or earning extra points on specific bonus categories, look for a card like the Spark Cash Plus or Ink Unlimited that can maximize your return on everyday business expenses with no category restrictions.

The best approach to finding the business card that suits your needs is to assess your business expenses, the benefits you will use, and your goals for the rewards you earn.

Final Thoughts

You don’t need to be an established business with years of history to obtain a business credit card. You could operate an Airbnb rental, resell products on Amazon, or walk dogs in your local neighborhood. As long as you have a decent income and a healthy credit rating, it may be easier than you think to earn a huge bonus and start getting rewarded for your business spending.

For rates and fees of the cards mentioned in this post, please visit the following links: The Business Platinum Card® from American Express (Rates & Fees), and American Express® Business Gold Card (Rates & Fees)

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