Top Small-Business Credit Card Offers for January 2023 Top Small-Business Credit Card Offers for January 2023

Top Small-Business Credit Card Offers for January 2023

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Want to put your business expenses to work earning points, miles, or cash back? As we approach the end of the year, it's a great time for small business owners to consider applying for a new business credit card. With so many options available, it can be overwhelming to choose the right one.

Whether you're looking for a card with no annual fee, a card with a massive bonus, or one with a high return on spending (or all three!), there's something for everyone on this list. The biggest offers require significant spending, but some absolute gems with smaller requirements will earn a great bonus, including two cards with all-time high bonuses that don’t charge any annual fee.

Let's dive in and see which business card offers deserve a spot in your wallet.

Earn a Record-High 90,000 Ultimate Rewards with No Annual Fee Ink Business Cards

Ink Business Unlimited® Credit Card
Ink Business Unlimited® Credit Card
Annual Fee$0
Welcome Bonus LIMITED TIME OFFER: Earn $900 bonus cash back after you spend $6,000 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 $900 cash back bonus after you spend $6,000 on purchases in the first 3 months from account opening. Earn 1.5% back on all business expenses.
  • BEST OFFER EVER: Earn $900 bonus cash back after you spend $6,000 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

The entry-level Chase Ink Business cards recently launched some of the best bonuses we've seen all year. New applicants receive a $900 cashback bonus after meeting the minimum spending requirement. In addition to the all-time high welcome offer, the Ink Unlimited earns 1.5X points (or 1.5% cashback) on every dollar spent—in every category. The current bonus converts to 90,000 flexible points if you hold an Ultimate Rewards card that can transfer to partners.

Ink Business Cash® Credit Card
Ink Business Cash® Credit Card
Annual Fee$0
Welcome Bonus LIMITED TIME OFFER: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Features a $900 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.
  • BEST OFFER EVER: Earn $900 bonus cash back after you spend $6,000 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.

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 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.
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. 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.

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 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.
  • 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 (that's an extra half point per dollar) 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, including tech, recruiting and wireless with the Business Platinum Card.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Card or any of the Additional Cards on your Platinum Card account.
  • $189 CLEAR® Credit: CLEAR® uses biometrics to assign you a touchless ID, allowing you to move faster through security at select airports and stadiums across the U.S. You can cover the cost of a CLEAR membership with up to $189 in statement credits per calendar year after you pay for CLEAR with your Business Platinum Card®.
  • 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.

Best Cobrand Business Card Offers for Earning Hotel and Airline Rewards

World of Hyatt Business Credit Card
World of Hyatt Business Credit Card
Annual Fee$199
Welcome Bonus Earn 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.
  • 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.
  • 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
  • 2 Bonus Points per $1 spent in your top three spend categories each quarter through 12/31/23, then your top two categories each quarter.
  • 2 Bonus Points per $1 spent on fitness club and gym memberships
  • 1 Bonus Point per $1 spent on all other purchases.
  • Up to $100 in Hyatt statement credits - spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
  • 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
  • World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees
  • Up to 9X total points per $1 spent at Hyatt - 4X points per $1 when you use your card at Hyatt hotels & 5X points per $1 you can earn as a World of Hyatt member
  • 2X points per $1 spent on fitness club and gym memberships
  • 1X point per $1 everywhere else

In addition, you'll earn 2X points per $1 spent in your top three spend categories each quarter through 12/31/2023, then your top two categories each quarter. Eligible categories include:
  • Dining
  • Shipping
  • Airline tickets when purchased directly with the airline
  • Local transit & commuting
  • Social media & search engine Advertising
  • Car rental agencies
  • Gas stations
  • Internet, cable & phone services

While not the biggest offer on paper, when you factor in that Hyatt points are worth roughly the points issued by most of its rivals, the value of the World of Hyatt Business Credit Card signup bonus comes into focus. Alongside the excellent welcome offer, cardholders receive World of Hyatt Discoverist elite status, up to $100 in Hyatt statement credits, and 5 tier-qualifying night credits for every $10,000 you spend on the card.

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 within the first three months of 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 a consecutive four-night IHG® hotel stay.
  • 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 Business 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 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. You can take advantage of excellent benefits including Platinum Elite status and a complimentary Reward Night certificate each year worth up to 40K points.

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: American Express® Business Gold Card (Rates & Fees), and The Business Platinum Card® from American Express (Rates & Fees)

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