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Want to put your business expenses to work earning points, miles, or cash back? Getting an extra return on your spending should be part of your business strategy, and getting a nice sign-up bonus can accelerate your earnings. But with so many options available, it can be overwhelming to choose the best small business credit card.
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 every small business owner on this list. The biggest offers can require significant spending, but some absolute gems with smaller requirements will earn a great bonus.
And before you think “I don't own a store,” you may be surprised to find out what qualifies for a small-business credit card. If you're a freelancer, selling handmade goods on Etsy, or run a petsitting business, these are all considered small businesses by card issuers. That means you too might qualify for one of these sign-up bonuses.
Let's dive in and see which business credit card offers deserve a spot in your wallet.
Page Contents
- Best Business Credit Card Offers for September 2023 [Chase Cards]
- Best Business Credit Card Offers for September 2023 [Over 5/24]
- Capital One Venture X Business
- The Business Platinum Card® from American Express
- American Express® Business Gold Card
- Capital One Spark Cash Plus
- Capital One Spark Miles for Business
- The Hilton Honors American Express Business Card
- Marriott Bonvoy Business® American Express® Card
- Alaska Airlines Visa® Business card
- U.S. Bank Business Leverage® Visa Signature® Card
- What Makes a Great Small Business Credit Card?
- Final Thoughts
Best Business Credit Card Offers for September 2023 [Chase Cards]
If you're new to the world of credit card rewards or haven't applied for many cards recently, we recommend you start with Chase cards. Why? Chase has a 5/24 policy that makes you ineligible for new Chase cards if you've opened five or more credit cards in the past 24 months. Not sure of your 5/24 count? Here's how you can check your Chase 5/24 status for free.
If you're eligible for Chase credit card bonuses, we recommend you start here. If you're over 5/24, scroll down to the next section for offers just for you.
Ink Business Preferred® Credit Card
Ink Business Preferred® Credit CardAnnual Fee$95Welcome Offer
New Cardmember Offer! Earn 100,000 bonus points after you spend $8,000 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 $8,000 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 $8,000 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
- Round-the-clock monitoring for unusual credit card purchases
- 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.
- Member FDIC
- 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
- Earn 100k bonus points after you spend $8,000 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
- Round-the-clock monitoring for unusual credit card purchases
- 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.
- Member FDIC
- 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 (up to $150,000 of annual spending across bonus categories, then earn 1x). With accessible benefits and an annual fee of only $95, the Ink Preferred is one of the most value-driven business cards on the market. Check out our full review of the Ink Preferred for more details.
Ink Business Unlimited® Credit Card
Ink Business Unlimited® Credit CardAnnual Fee$0Welcome Bonus
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.- 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.
- Round-the-clock monitoring for unusual credit card purchases
- 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
- Member FDIC
- Earn unlimited 1.5% cash back on every purchase made for your business
- 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.
- Round-the-clock monitoring for unusual credit card purchases
- 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
- Member FDIC
- Earn unlimited 1.5% cash back on every purchase made for your business
Looking to avoid an annual fee? Chase's entry-level Ink Business cards currently have some solid bonus offers. New applicants receive a bonus of $900 cash back after you spend $6,000 on purchases in the first 3 months from account opening. In addition to the welcome offer, the Ink Unlimited earns 1.5X points (or 1.5% cashback) on every dollar spent — in every category. If you hold a Chase Ultimate Rewards card with an annual fee, you can convert your cash back into rewards points for additional redemption options. Check out our Ink Unlimited review for more information.
Ink Business Cash® Credit Card
Ink Business Cash® Credit CardAnnual Fee$0Welcome Bonus
Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account openingFeatures 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.- 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
- Round-the-clock monitoring for unusual credit card purchases
- 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
- Member FDIC
- 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
- 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
- Round-the-clock monitoring for unusual credit card purchases
- 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
- Member FDIC
- 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. If you have spending at office supply stores, internet and phone bills, or gas stations, don't overlook this card's earning power. Full details are in our Ink Cash review.
Ink Business Premier℠ Credit Card
Ink Business Premier℠ Credit CardAnnual Fee$195Welcome Bonus Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.- Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
- Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
- Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Ultimate Rewards, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
- The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
- For businesses who prefer to pay their balance in full each month, Ink Business Premier gives access to increased spending power, rich rewards, and premium benefits.
- Pay off eligible purchases over time with interest up to assigned Flex for Business limit. All other purchases must be paid in full each month.
- Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
- There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
- Member FDIC
- 5% cash back on travel purchases through the Chase travel portal
- 2.5% cash back on purchases of $5,000 or more
- 2% cash back on all other purchases
- Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
- Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
- Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Ultimate Rewards, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
- The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
- For businesses who prefer to pay their balance in full each month, Ink Business Premier gives access to increased spending power, rich rewards, and premium benefits.
- Pay off eligible purchases over time with interest up to assigned Flex for Business limit. All other purchases must be paid in full each month.
- Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
- There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
- Member FDIC
- 5% cash back on travel purchases through the Chase travel portal
- 2.5% cash back on purchases of $5,000 or more
- 2% cash back on all other purchases
If your small business is a big spender, it might be worth paying an annual fee to get a much better cashback earning rate. Enter the Ink Business Premier℠ Credit Card.
New applicants can earn a massive welcome bonus of $1,000 after you spend $10,000 on purchases in the first 3 months from account opening. While you can't combine these earnings with Ultimate Rewards points (as you can on other Ink cards), the earning rates on this card can't be understated. Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
This is a charge card — meaning you'll need to pay the balance in full each month and won't have a preset spending limit. Businesses looking for flexible spending and a great cashback earning structure should check out our full Ink Premier review.
World of Hyatt Business Credit Card
World of Hyatt Business Credit CardAnnual Fee$199Welcome Bonus Earn up to 75,000 Bonus Points. Earn 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening. Earn an additional 15,000 Bonus Points after you spend $12,000 within the first 6 months of account opening.- 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening. Additionally, earn 15K Bonus Points after you spend $12,000 in the first 6 months.
- 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 12/31/24, 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
- Member FDIC
- 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
- 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening. Additionally, earn 15K Bonus Points after you spend $12,000 in the first 6 months.
- 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 12/31/24, 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
- Member FDIC
- 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 it doesn't seem like the best offer, factor in that Hyatt points are worth roughly double the points issued by most of its rivals. Then, 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. See our review of the Hyatt Business Card for more information.
IHG One Rewards Premier Business Credit Card
IHG One Rewards Premier Business Credit CardAnnual Fee$99Welcome 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 a consecutive four-night IHG® hotel stay.
- Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts
- Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases
- Automatic 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 One Rewards Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
- Member FDIC
- Earn 26x total points 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 One 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)
- 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 total points per $1 spent when you stay at IHG Hotels and Resorts
- Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases
- Automatic 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 One Rewards Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
- Member FDIC
- Earn 26x total points 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 One 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)
The IHG One Rewards Premier Business Credit Card features a welcome bonus of 140,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening. You can take advantage of excellent benefits including Platinum Elite status and a complimentary free night award each year (on your account anniversary) worth up to 40,000 points. That IHG free night certificate alone should justify the reasonable annual fee. More information is available in our IHG One Rewards Business Card review.
Southwest® Rapid Rewards® Performance Business Credit Card
Southwest® Rapid Rewards® Performance Business Credit CardAnnual Fee$199Welcome Bonus
Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.The latest card to join the Southwest lineup of rewards cards, the Southwest Performance Business Card offers the highest Rapid Rewards signup bonus, earns more points than its Southwest counterparts, receives a massive 9,000-point anniversary bonus, plus offers plenty of perks and benefits for Southwest fans. One of the best co-brand business cards on the market.- Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
- 9,000 bonus points after your Cardmember anniversary.
- Earn 4X points on Southwest® purchases.
- Earn 3X points on Rapid Rewards® hotel and car rental partners.
- Earn 2X points on rideshare.
- Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.
- 4 Upgraded Boardings per year when available.
- Member FDIC
- 4X points per $1 spent on Southwest® purchases
- 3X points per $1 spent on Rapid Rewards® hotel and car partners
- 2X points per $1 spent on social media and search engine advertising, Internet, cable and phone services
- 2X points per $1 spent on rideshare
- 1X point per $1 spent on all other purchases
- Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
- 9,000 bonus points after your Cardmember anniversary.
- Earn 4X points on Southwest® purchases.
- Earn 3X points on Rapid Rewards® hotel and car rental partners.
- Earn 2X points on rideshare.
- Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.
- 4 Upgraded Boardings per year when available.
- Member FDIC
- 4X points per $1 spent on Southwest® purchases
- 3X points per $1 spent on Rapid Rewards® hotel and car partners
- 2X points per $1 spent on social media and search engine advertising, Internet, cable and phone services
- 2X points per $1 spent on rideshare
- 1X point per $1 spent on all other purchases
The Southwest Performance Business Card offers a bonus of 80,000 and charges an annual fee of just $199. For that, you'll get 9,000 bonus points on each account anniversary, four upgraded boardings each year (when available), 10,000 bonus Companion Pass-qualifying points each year, and the ability to spend your way to A-List or A-List Preferred status each year. You'll also get 365 credits for inflight Wi-Fi purchases with your card each year, and the bonus will go a long way toward earning the Companion Pass. Full details are in our review of the Southwest Performance Business Card.
United℠ Business Card
United℠ Business CardAnnual Fee$0 intro annual fee for the first year, then $99Welcome Bonus Earn 50,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.- Earn 50,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
- $0 introductory annual fee for the first year, then $99.
- Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
- Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
- Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
- Enjoy a free first checked bag - a savings of up to $140 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
- $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
- Member FDIC
- 2x on United® purchases
- 2x on local transit and commuting- including train tickets, taxicabs, mass transit, tolls and ride share services
- 2x at gas stations, restaurants and office supply stores
- 1x on all other purchases
- Earn 50,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
- $0 introductory annual fee for the first year, then $99.
- Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
- Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
- Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
- Enjoy a free first checked bag - a savings of up to $140 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
- $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
- Member FDIC
- 2x on United® purchases
- 2x on local transit and commuting- including train tickets, taxicabs, mass transit, tolls and ride share services
- 2x at gas stations, restaurants and office supply stores
- 1x on all other purchases
The United℠ Business Card offers a solid bonus of 50,000 miles after you spend $5,000 on purchases in the first 3 months your account is open. It also offers multiple ongoing benefits like free checked bags, access to additional award space, two lounge passes per year, access to upgrades on award tickets and a $100 statement credit, and 5,000 bonus miles if you also hold a personal United credit card. Further details are in our United Business Card review.
Best Business Credit Card Offers for September 2023 [Over 5/24]
If you're ineligible for a bonus on Chase credit cards, consider the welcome offers from other banks. Just remember that each card issuer has its own application rules and restrictions.
Capital One Venture X Business
Capital One Venture X BusinessAnnual Fee$395Welcome Bonus
150,000 Miles once you spend $30,000 in the first 3 months from account opening.
- 10X miles per $1 on hotels and rental cars booked via Capital One Travel
- 5X miles per $1 on flights booked via Capital One Travel
- 2X miles per $1 on other eligible purchases
- 10X miles per $1 on hotels and rental cars booked via Capital One Travel
- 5X miles per $1 on flights booked via Capital One Travel
- 2X miles per $1 on other eligible purchases
For businesses with the spending power to achieve it, the bonus on the Capital One Venture X Business is massive. The card also offers a suite of perks like lounge access, anniversary bonus miles, and a $300 annual travel credit, as well as an annual fee comparatively lower than most of its competitors. More details are in our Venture X Business review.
The Business Platinum Card® from American Express
The Business Platinum Card® from American ExpressAnnual Fee$695Welcome 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.
- 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 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 everywhere else, on up to $2 million of these purchases per calendar year.
- Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
- $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
- $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 each eligible purchase of $5,000 or more.
- Earn 1.5X Membership Rewards® points on each eligible purchase with U.S. construction material and hardware suppliers.
- Earn 1.5X Membership Rewards® points on each eligible purchase with U.S. electronic goods retailers and software & cloud system providers.
- Earn 1.5X Membership Rewards® points on each eligible purchase with U.S. shipping providers.
- 1.5X earning rates are subject to a cap of $2 million in purchases per calendar year.
- 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.
- 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 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 everywhere else, on up to $2 million of these purchases per calendar year.
- Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
- $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
- $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 each eligible purchase of $5,000 or more.
- Earn 1.5X Membership Rewards® points on each eligible purchase with U.S. construction material and hardware suppliers.
- Earn 1.5X Membership Rewards® points on each eligible purchase with U.S. electronic goods retailers and software & cloud system providers.
- Earn 1.5X Membership Rewards® points on each eligible purchase 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 who travel for business, this card carries the best elite-status perks of any card on this list. See our Business Platinum Card review for full details.
American Express® Business Gold Card
American Express® Business Gold CardAnnual Fee$295Welcome 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.*
- 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.
- 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.*
- 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
- 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 Amex Business 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. Full details are in our review of the Amex Business Gold
Capital One Spark Cash Plus
Capital One Spark Cash PlusAnnual Fee$150Welcome Bonus Earn a one-time cash bonus of $1,200 once you spend $30,000 in the first 3 months.
- 2% cash back on every purchase and 5% cash back on hotels and rental cars booked through Capital One Travel
- 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 according to bonus categories. You'll earn 2% cash back on every purchase and 5% cash back on hotels and rental cars booked through Capital One Travel, and you can convert your cash back into miles if you also hold a card that earns Capital One miles.
Capital One Spark Miles for Business
Capital One Spark Miles for BusinessAnnual Fee$0 intro for first year; $95 after thatWelcome Offer
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 openingThe Capital One Spark Miles for Business is one of just a handful of business rewards cards offering at least a 2% return on business expenses (issued as 2x Miles). Your rewards never expire as long as your account is open and in good standing.- Earn 50,000 bonus miles once you spend $4,500 on purchases within 3 months from account opening; worth $500 in travel if redeemed for a fixed-value, or potentially much more when transferred to airline partners
- 2 Miles per $1 on every purchase, everywhere
- Fee credit for Global Entry or TSA Pre✔® (up to $100)
- No foreign transaction fees
- $0 intro for first year; $95 after that
- 2X miles per dollar on every purchase, everywhere, no limits or category restrictions
- 5X miles on hotels and rental cars booked through Capital One Travel
- Earn 50,000 bonus miles once you spend $4,500 on purchases within 3 months from account opening; worth $500 in travel if redeemed for a fixed-value, or potentially much more when transferred to airline partners
- 2 Miles per $1 on every purchase, everywhere
- Fee credit for Global Entry or TSA Pre✔® (up to $100)
- No foreign transaction fees
- $0 intro for first year; $95 after that
- 2X miles per dollar on every purchase, everywhere, no limits or category restrictions
- 5X miles on hotels and rental cars booked through Capital One Travel
The Spark Miles card offers a quality bonus, a modest annual fee, and an easy-to-understand earning structure. Earn 2X miles on every purchase and 5X miles on hotels and rental cars booked through Capital One Travel. Miles can be used with 18 airline and hotel partners. For more information, check out our Capital One Spark Miles review.
The Hilton Honors American Express Business Card
The Hilton Honors American Express Business CardAnnual Fee$95Welcome Offer
Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership.
- Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership.
- Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X directly with hotels and resorts in the Hilton portfolio, 6X at U.S. gas stations, on U.S. purchases for shipping, on wireless telephone services purchased directly from U.S. service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at U.S. restaurants, 3X on all other eligible purchases.
- Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card.
- Earn a Free Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
- Earn another Free Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
- Terms apply.
- Rates & Fees
- 12X directly with hotels and resorts in the Hilton portfolio
- 6X on Select Business & Travel Purchases
- 3X Everywhere Else
- Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership.
- Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X directly with hotels and resorts in the Hilton portfolio, 6X at U.S. gas stations, on U.S. purchases for shipping, on wireless telephone services purchased directly from U.S. service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at U.S. restaurants, 3X on all other eligible purchases.
- Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card.
- Earn a Free Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
- Earn another Free Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
- Terms apply.
- Rates & Fees
- 12X directly with hotels and resorts in the Hilton portfolio
- 6X on Select Business & Travel Purchases
- 3X Everywhere Else
The Hilton Honors American Express Business Card offers complimentary Hilton Gold status, which is the best mid-tier hotel status around. You'll also get 10 Priority Pass lounge visits annually and can spend your way to additional perks like top-tier Hilton Diamond status and free night awards. Full details are in our Hilton Business Card review. Enrollment is required for select Amex benefits.
Marriott Bonvoy Business® American Express® Card
Marriott Bonvoy Business® American Express® CardAnnual Fee$125Welcome Bonus Earn 125,000 Bonus Marriott Bonvoy Points after you use your new Card to make $8,000 in purchases within the first 6 months of Card Membership. Offer Ends 11/1/23.
- Limited Time Offer: Earn 125,000 Bonus Marriott Bonvoy Points after you use your new Card to make $8,000 in purchases within the first 6 months of Card Membership. Offer Ends 11/1/23.
- Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly through Marriott. Terms and Conditions Apply.
- 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
- 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
- 2x points on all other eligible purchases.
- Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card.
- Terms apply.
- Rates & Fees
- 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program
- 4x Marriott Bonvoy points on each dollar of eligible purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping
- 2x Marriott Bonvoy points per dollar on all other eligible purchases
- Limited Time Offer: Earn 125,000 Bonus Marriott Bonvoy Points after you use your new Card to make $8,000 in purchases within the first 6 months of Card Membership. Offer Ends 11/1/23.
- Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly through Marriott. Terms and Conditions Apply.
- 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
- 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
- 2x points on all other eligible purchases.
- Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card.
- Terms apply.
- Rates & Fees
- 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program
- 4x Marriott Bonvoy points on each dollar of eligible purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping
- 2x Marriott Bonvoy points per dollar on all other eligible purchases
Marriott fans will love the Marriott Bonvoy Business Card for its modest annual fee, complimentary Marriott Bonvoy Gold Elite status, and annual free night (worth up to 35,000 points) — perks that easily justify keeping the card year after year. You'll also receive 15 Elite Night Credits in your account each year, and these stack with any credits received from personal Marriott credit cards, helping you accelerate your path to higher status tiers.
Alaska Airlines Visa® Business card
Alaska Airlines Visa® Business cardAnnual Fee$70 for the company and $25 per cardWelcome Bonus
Get 50,000 bonus miles, $100 statement credit 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.
Alaska Airlines miles are some of the most valuable airline miles, and you can earn them with the Alaska Airlines Visa® Business card. You'll also get perks like a companion fare, quality earning rates, and the ability to earn more rewards if you have a banking relationship with Bank of America. You'll also get benefits like free checked bags and priority boarding on Alaska Airlines flights.
U.S. Bank Business Leverage® Visa Signature® Card
U.S. Bank Business Leverage® Visa Signature® CardAnnual Fee$95Welcome 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.
The Business Leverage Card can help your business earn extra cash back where you spend the most. Earn 2% back in the top two categories where you spend the most each month automatically. You'll also earn 1% cash per dollar spent on all other eligible 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 corner store merchant who is aiming to maximize cash-back returns.
Some business cards offer flexibility on big purchases via an introductory 0% APR offer with no annual fee. Others offer travel benefits like 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 Premier 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.
Whether you're looking for cash back, transferable points, or a co-branded card with your favorite airline or hotel program, there should be something that works in this list. Remember that bonuses can change often, so bookmark this page to check the best business credit card offers available whenever you're ready for your next application.
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), American Express® Business Gold Card (Rates & Fees), The Hilton Honors American Express Business Card (Rates & Fees), and Marriott Bonvoy Business® American Express® Card (Rates & Fees)
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Thanks for the summary of the small business credit cards. It made it much easier to pick one
Pat