3 Killer Rewards Card Offers to Maximize Business Spending

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Offers for the United℠ Business Card, Ink Business Preferred℠‎ Credit Card and Southwest Rapid Rewards® Performance Business Credit Card are not available through this site. All information has been independently collected by AwardWallet and has not been reviewed or provided by the card issuer. Some offers may have expired. Please see our card marketplace for available offers.

In the past few months, we've seen an unprecedented number of small-business cards offering huge bonuses. Some of these cards come with steep spending requirements, making them practical only for businesses with a high volume of monthly expenses, but there are also several great options for businesses with modest spending.

With application restrictions tightening on personal rewards cards, adding business cards into the mix is an excellent way of expanding your rewards earning potential. Plus, the majority of business cards don’t get added to your personal credit report—meaning they won't have any impact on your eligibility for other cards when it comes to rules like Chase’s 5/24 policy. (Capital One business cards are a notable exception; these will count towards 5/24)

Today, we’re reviewing three top-tier business offers that can add hundreds of thousands of miles to your account. For each card, we’ll cover the welcome bonus, key benefits, and how much monthly spending you’ll need to maximize the current offer.

Earn 100,000 United Miles

Chase has launched a limited-time offer on the new United℠ Business Card of 100,000 bonus miles after you spend $10,000 on purchases in the first 3 months your account is open.

United℠ Business Card
United℠ Business Card
Annual Fee$99
Welcome Bonus The All-New United Business Card with limited-time offer: 100,000 bonus miles after qualifying purchases

This offer is perfect if you have modest but consistent business expenses going out each month. While we wouldn’t consider 100K United miles to hold the same value as 100K Membership Rewards or Ultimate Rewards, this is still a massive bonus that could fly you almost anywhere on earth in comfort and style.

  • Monthly spend required to receive the welcome bonus in full: $3,334 per month for 3 months.
  • Annual fee: $99

The card comes with a great lineup of benefits that can easily justify the $99 cost—even if you only fly with United a few times per year.

Earn 100,000 Ultimate Rewards points

The crown jewel of Chase’s business card lineup, the Ink Business Preferred® Credit Card, provides what we think is the best signup bonus available. To earn the 100,000 signup bonus, you need to spend $15,000 in the first three months you hold the card.

Ink Business Preferred® Credit Card
Ink Business Preferred® Credit Card
Annual Fee$95
Welcome Offer New Offer! Earn 100,000 bonus 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.
  • 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

If the spending requirement is an issue, the United Business Card could be the better choice. But since Ultimate Rewards can be transferred to lots of other airline (and hotel) programs in addition to United MileagePlus, the Ink Preferred gets the edge over the United Business Card when the bonuses are similar.

  • Monthly spend required to receive the welcome bonus in full: $5,000 per month for 3 months.
  • Annual fee: $95

If your business spends heavily in one of the Ink Preferred‘s 3X bonus categories, your overall earnings can quickly outpace what you'd earn on a card offering 1X–1.5X per point.  For example, if $10K of the initial $15K were spent on online advertising, you would earn 35K points from spending:

  • 3 x $10,000 = 30,000 points
  • 1 x $5,000 = 5,000 points

After accounting for the 100,000 point welcome bonus, you'd end up with 135K Ultimate Rewards points, which would put this offer well ahead of the United Business Card.

If you qualify for the Ink Preferred, we highly recommend adding it to your wallet. This card offers a high return on business expenses, class-leading travel and purchase protection benefits, and comes with a killer signup bonus of 100,000 Ultimate Rewards points.

Earn up to 100,000 Southwest Rapid Rewards Points

The Southwest Rapid Rewards® Performance Business Credit Card is a top offer if you primarily fly domestic. The current bonus of up to 100,000 points is higher again than the recent offer of 80,000 points, notwithstanding the increased spending requirement to receive the full bonus. The Southwest Performance Business Card is a great option to boost your Rapid Rewards balance if you fly mostly domestic itineraries or you already have the Ink Preferred.

Southwest Rapid Rewards® Performance Business Credit Card
Southwest Rapid Rewards® Performance Business Credit Card
Annual Fee$199
Welcome Bonus Earn 70,000 points after you spend $5,000 on purchases in the first 3 months. Plus, earn an additional 30,000 points after you spend $25,000 on purchases in the first 6 months
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 it's 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.
  • 3X points per $1 spent on Southwest® purchases
  • 2X points per $1 spent on social media and search engine advertising, Internet, cable and phone services
  • 1X point per $1 spent on all other purchases

The card also offers 9,000-anniversary points each year plus an annual $75 Southwest Credit, which helps to offset the out-of-pocket expense of holding the card each year.

  • Monthly spend required to receive the welcome bonus in full: $4,167 per month for 6 months.
  • Annual fee: $199

Keep in mind that all three Chase cards mentioned above are subject to Chase’s 5/24 policy, although they won’t count towards your 5/24 personal total as they are business cards.

Final Thoughts

Business credit cards provide access to valuable credit lines without the barriers to entry of traditional finance options like business loans, which often require substantial amounts of cash flow and documentation to get them over the line.

If you can make the minimum spend, the Ink Preferred card get's a slight edge over the United Business Card as our top pick. But, if you think there is any possibility that you’ll fall short of meeting the full $15K, you would be much better off applying for the United Business Card.

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