This month’s business cards are all pretty solid—take a look and see if any fit your needs.
- Issuer cards: Chase CSR Biz and INK are both all-time highs, so don’t miss them. Of course, AMEX Gold Biz and Platinum Biz at 200,000 / 300,000 are also great, but you have to try your luck to see whether you can get them. A few Capital One cards also have very high cash back, and now come with up to $500 in travel reimbursement, which is also an all-time high.
- Airline cards: The limited-time offers on UA and Alaska are both good
- Hotel cards: Hyatt Biz and Hilton Biz both have solid offers
This post mainly lists the best business card welcome bonuses. For personal card rankings, see: Personal Card Recommendations
- 【All-time high】: The highest in history, or a particularly good welcome bonus; prioritize these applications
- 【Limited time】: A relatively high recent welcome bonus; a good time to apply
- 【Regular】: Basically the standard long-running welcome bonus; if you don’t have a card to apply for right now, you can consider it
Contents [Hide]
- 1 【All-time high】Chase Sapphire Reserve Business (200,000)
- 2 【All-time high】Chase Ink Unlimited (100,000)
- 3 【All-time high】Chase Ink Cash (100,000)
- 4 【All-time high】Capital One Spark Cash Plus ($2,000+$500 travel reimbursement)
- 5 【All-time high】Capital One Spark Cash ($1,000+$250 travel reimbursement)
- 6 【Limited time】Citi Business AAdvantage Platinum (75,000)
- 7 【Limited time】AMEX Business Gold (up to 200,000)
- 8 【Limited time】AMEX Business Platinum (up to 300,000)
- 9 【Limited time】AMEX Graphite ($1,500)
- 10 【Limited time】Chase Ink Preferred (100,000)
- 11 【Limited time】Capital One Spark Cash Select ($750)
- 12 【Limited time】Chase Hyatt Business (70,000)
- 13 【Limited time】AMEX Hilton Business (130,000)
- 14 【Limited time】BofA Atmos Rewards Business (85,000+companion ticket)
- 15 【Limited time】Chase United Business (110,000+2,000 PQP)
- 16 【Limited time】Chase United Club Business (110,000+2,000 PQP)
- 17 【Limited time】US Bank Triple Cash Rewards ($750)
- 18 【Limited time】US Bank Altitude Connect Business (75,000)
- 19 【Regular】Capital One Venture Business 100,000
- 20 【Regular】Capital One Venture X Business (150,000)
- 21 【Regular】AMEX Marriott Business (125,000 points)
- 22 【Regular】Chase IHG Business (140,000)
- 23 【Regular】AMEX Delta Business co-branded cards (60,000-80,000)
- 24 【Regular】Chase Southwest Performance Business (80,000)
- 25 【Regular】US Bank Altitude Power Business (75,000)
- 26 【Regular】Wells Fargo Signify Business ($500)
- 27 Others
- 28 About Business Credit Cards
- 29 Roundup of Account Opening Bonuses
【All-time high】Chase Sapphire Reserve Business (200,000)
- The signup bonus is just too high, and the credits basically offset the annual fee, so holding it for a year is completely worth it
Chase Sapphire Reserve Business Credit Card
Packed with statement credits and perks worth $2,500!
- Welcome bonus: 200,000 Ultimate Rewards (spend $30,000 in six months)
- Rewards: 8x on flights, hotels, rental cars, and activities booked through Chase Travel; 4x on flights and hotels booked directly; 3x on advertising; 1x on all other purchases
- Redemption: Redeem for cash back at 1:1; points can also be transferred to airline miles and hotel points
- Annual fee: $795
- Apply now>>
【All-time high】Chase Ink Unlimited (100,000)
- Long-term hold: 1.5x on all spending, basically the same as the personal Unlimited version, so there’s not much point in keeping both.
- My suggestion: After getting the signup bonus, product change to Ink Cash and enjoy the category bonuses.
Chase Ink Unlimited Business Credit Card
1.5x points on all business purchases; no annual fee!
- Welcome bonus: 100,000 Ultimate Rewards (UR) (spend $8,000 in four months)
- Rewards: 1.5x on all purchases, unlimited
- Redemption: Redeem for cash back at 100 UR = $1; if you also hold a premium card, points can be transferred 1:1 to airline miles or hotel points, or redeemed for travel at 1:1.25/1.5; point value: 1.6 cents/point
- Annual fee: $0
- Apply now>>
【All-time high】Chase Ink Cash (100,000)
- Long-term hold: The category bonuses for office supply stores, internet, cell phone, phone, and TV bills are pretty good, making it a solid choice for small-business spending. Office supply stores also sell third-party gift cards such as Visa gift cards.
- My suggestion: Long-term hold
Chase Ink Cash Business Credit Card
5x at office supply stores, internet, cell phone, landline, and cable TV; no annual fee!
- Welcome bonus: 100,000 Ultimate Rewards (UR) (spend $8,000 in 4 months)
- Rewards: 5x at office supply stores and on internet, cell phone, landline, and cable TV bills (on up to the first $25k in purchases); 2x at gas stations and restaurants (on up to the first $25k in purchases); 1x on all other purchases
- Redemption: Redeem for cash back at 100 UR = $1; if you also hold a premium card, points can be transferred 1:1 to airline miles or hotel points, or redeemed toward travel at 1:1.25/1.5; point value: 1.6 cent/point
- Annual fee: $0
- Apply now>>
【All-time high】Capital One Spark Cash Plus ($2,000+$500 travel reimbursement)
- 2% cash back on all spending, plus a large-spend annual fee waiver, which makes it a very good value
- The $500 is a Capital One travel reimbursement that can be used for flights and hotels
Capital One Spark Cash Plus Business Credit Card
Unlimited 2% cash back on all purchases!
- Welcome bonus: $2,000 cash back + $500 travel reimbursement (spend $30,000 in the first three months)
- Rewards: 2% on all purchases
- Redemption: Redeem directly for cash back; can transfer to points
- Annual fee: $150
- Apply now>>
【All-time high】Capital One Spark Cash ($1,000+$250 travel reimbursement)
- The first-year annual fee is waived. After getting the bonus, you can consider downgrading in year two to avoid the annual fee
- The $250 is a Capital One travel reimbursement that can be used for flights and hotels
Capital One Spark Cash Credit Card
2% cash back on all purchases!
- Welcome bonus: $1,000+$250 travel reimbursement (spend $10,000 in 3 months)
- Rewards: 2% cash back on all purchases; 5% on Capital One Travel purchases
- Redemption: Redeem for cash back
- Annual fee: $95（No annual fee for the first year）
- Apply now>>
【Limited time】Citi Business AAdvantage Platinum (75,000)
- After getting the signup bonus, just downgrade or close it after a year. After all, the first-year annual fee is waived
- 2x on all spending is not uncommon among business and personal cards, so it’s not especially worth keeping long term
- The current signup bonus is 665,000, but it can be stacked with the 10,000 bonus from opening an AA business account. See the detailed introduction for more
Citi AA Platinum Business American Airlines Business Credit Card
AA airline card with first-year annual fee waived
- Welcome bonus: 65,000 AA miles (spend $4,000 in 4 months)
- Rewards: 2x on AA website ticket purchases; 2x on telecommunications, car rentals, and gas; 1x on everything else
- Redemption: Best value for redeeming flights between China and the U.S. or between the U.S. and Europe; business-class redemptions can also offer solid value.
- Annual fee: $99（First-year annual fee waived）
- Apply now>>
【Limited time】AMEX Business Gold (up to 200,000)
- You need to go through the application process, and you’ll only see your exact bonus at the very last step
- If you’re not satisfied, you can simply not submit the application, and it won’t affect your credit score
Automatically earn 4x points, plus up to $240 in annual shipping statement credits
- Welcome bonus: Up to 200,000 Membership Rewards (spend $15,000 in 3 months)
- Rewards: Earn 4x on your top two spending categories, including: transit, wireless phone services, electronic goods, advertising, gas stations, and computer hardware/software/cloud solutions (on the first $15k in purchases, then 1x thereafter)
- Redemption: Redeem for gift cards, cash, and travel; transfers to airline miles offer the best value
- Annual fee: $375
- Apply now>>
【Limited time】AMEX Business Platinum (up to 300,000)
- You need to go through the application process, and you’ll only see your exact bonus at the very last step
- If you’re not satisfied, you can simply not submit the application, and it won’t affect your credit score
Over $1,300 in annual statement credits; comes with a large set of premium benefits!
- Welcome bonus: Up to 300,000 Membership Rewards (spend $20,000 in 3 months)
- Rewards: 5x on flights and select hotel purchases; 1.5x on purchases of $5,000 or more; 1x on everything else
- Redemption: Transfer 1:1 to many airline miles and hotel points programs; get 35% points back when redeeming for eligible flights
- Annual fee: $895（Changes for existing cardholders in 2026）
- Apply now>>
【Limited time】AMEX Graphite ($1,500)
- A newly launched card with a decent signup bonus, but keeping it afterward for the 2% earns rate is too costly
AMEX Graphite Business Business Credit Card
Huge welcome bonus, plus an easy 2% cash back on everyday spending!
- Welcome bonus: $1,500 (spend $50,000 in six months)
- Rewards: 5% on flights and hotels booked through AMEX Travel; 2% on everything else
- Redemption: Redeem directly for cash
- Annual fee: $295
- Apply now>>
【Limited time】Chase Ink Preferred (100,000)
- Long-term hold: The 3x earning categories for travel, shipping, internet and cell phone bills, and advertising spend have a relatively high cap, making it a good fit for those with heavy spending in these areas.
- My suggestion: After getting the signup bonus, keep it depending on your spending categories, or product change to Ink Cash or Ink Unlimited
Chase Ink Preferred Business Credit Card
A strong choice for people with heavy spending in specific categories, Chase business card
- Welcome bonus: 90,000 Ultimate Rewards (Spend $8,000 in the first 3 months after opening)
- Rewards: 3x on travel, shipping, internet/cable/phone services, and advertising (Travel, Shipping purchases, Internet, Cable and Phone services, Advertising), on up to the first $150k; all other purchases 1x
- Redemption: Redeem for cash at 100 UR = $1; can transfer 1:1 to airline miles or hotel points; can redeem at 1:1.25 toward travel purchases; value 1.6 cent/points
- Annual fee: $95
- Apply now>>
【Limited time】Capital One Spark Cash Select ($750)
- No annual fee to begin with, so it’s a very good value
Capital One Spark Cash Select Business Credit Card
1.5% cash back on all purchases!
- Welcome bonus: $750 cash back (spend $6,000 in the first three months)
- Rewards: 1.5% cash back on all purchases
- Redemption: Redeem for cash back; if you have a Venture card, you can transfer points
- Annual fee: $0
- Apply now>>
【Limited time】Chase Hyatt Business (70,000)
- It comes with an annual credit that offsets half the annual fee, but unfortunately it doesn’t come with a free night certificate. It’s fine to just grab the bonus and move on
Chase World of Hyatt Business Credit Card
Up to $100 in hotel statement credits every year!
- Welcome bonus: 70,000 Hyatt points (spend $7,000 within three months of account opening)
- Rewards: 4x at Hyatt hotels; 2x at fitness clubs; 2x in your top three spending categories among dining, shipping, airline tickets, local transit & commuting, social media & search engine advertising, car rentals, gas stations, and internet/cable/phone services (starting in 2023, this becomes 2x in the top two categories). All other purchases earn 1x.
- Redemption: Redeem for stays at Hyatt hotels, with an estimated value of 1.6 cent/point; redemptions may come with a 10% points rebate
- Annual fee: $199
- Apply now>>
【Limited time】AMEX Hilton Business (130,000)
- A new limited-time offer has been added with no annual fee in the first year
- The annual $240 Hilton credit and elite car rental status make it a no-brainer to keep long term if you can use them
AMEX Hilton Business Credit Card
Complimentary Hilton Gold status + up to $240 in hotel credits each year + premium car rental status
- Welcome bonus: 130,000 Hilton points (spend $6,000 in six months)
- Rewards: 12x on Hilton hotel purchases; 5x on other purchases (on the first $100k in purchases, then 3x)
- Redemption: Redeemable at Hilton properties worldwide
- Annual fee: $195
- Apply now>>
【Limited time】BofA Atmos Rewards Business (85,000+companion ticket)
- The points are relatively valuable, and the companion ticket can be used
BofA Atmos Rewards Business Business Credit Card
Free checked bags, priority boarding, and an annual companion fare!
- Welcome bonus: 85,000 Alaska miles + one companion ticket (spend $5,500 in 90 days)
- Rewards: 3x on Alaska and Hawaiian Airlines; 2x on gas, shipping, transit, and rideshare; 1x on all other purchases
- Redemption: Redeemable for award flights on the airline itself and its partner airlines
- Annual fee: $70（Plus $25 for each additional card）
- Apply now>>
【Limited time】Chase United Business (110,000+2,000 PQP)
- It comes with various credits, so it’s fine to keep long term too.
Chase United Business Credit Card
Annual Club Passes; free checked bags; and lots of statement credit benefits!
- Welcome bonus: 100,000 UA miles + 2,000 PQP (spend $5,000 within 3 months) + 10,000 UA miles (add one supplementary card within 3 months)
- Rewards: 2x on local transit, dining, gas, office supply stores, and airfare purchased on the UA website; 1x on everything else
- Redemption: Can be redeemed for domestic and international flights on UA and Star Alliance partners, with a value of 1.6 cent/point
- Annual fee: $150（No annual fee for the first year）
- Apply now>>
【Limited time】Chase United Club Business (110,000+2,000 PQP)
- Good for people who fly UA a lot and need lots of checked bags and UA lounge benefits
Chase United Club Business United Airlines Business Credit Card
Complimentary United Club access; first and second checked bags free, plus a long list of statement credits!
- Welcome bonus: 100,000 United Airlines miles + 2,000 PQP (spend $5,000 in the first three months) + 10,000 (add one additional card)
- Rewards: 5x on United Hotels; 2x on United purchases; 1.5x on all other purchases
- Redemption: Redeemable for domestic and international flights on United and Star Alliance partners, valued at 1.6 cents per point
- Annual fee: $695
- Apply now>>
【Limited time】US Bank Triple Cash Rewards ($750)
- 3% works well for business, and the $100 software credit is easy to use
U.S. Bank Triple Cash Rewards Business Credit Card
3% on gas, restaurants, cell phone services, and office expenses; plus up to $100 in annual software statement credits!
- Welcome bonus: $750 cash back (spend $6,000 in 150 days)
- Rewards: 3% on gas, restaurants, cell phone services, and office supplies; 1% on all other purchases
- Redemption: Cash back
- Annual fee: $0
- Apply now>>
【Limited time】US Bank Altitude Connect Business (75,000)
- This card has 4x-5x cash back on travel, which is pretty good. If you use rideshare, you can also get a $100 annual credit, plus 4 Priority Pass visits, so it’s fairly well-rounded.
U.S. Bank Business Altitude Connect Business Credit Card
4x on travel, 2x on dining; complimentary airport lounge access
- Welcome bonus: 75,000 points (spend $6,000 within 180 days of account opening)
- Rewards: 5x on hotels and car rentals booked through its own website; 4x on travel (up to $15k per year); 2x on dining and cell phone bills; 1x on everything else
- Redemption: Redeem directly: 100 points = $1 cash back
- Annual fee: $95（$0 annual fee for the first year）
- Apply now>>
【Regular】Capital One Venture Business 100,000
- The spending requirement is quite high, but the return is pretty good
- Capital One points can also be transferred to airline miles and hotel points now, so they still have a useful place
$100 annual credit, 2x on all purchases, and excellent overall value!
- Welcome bonus: 100,000 (3 months spend $10,000)
- Rewards: 5x on hotels and rental cars booked through Capital One; 2x on everything else
- Redemption: Can be redeemed for cash; can also be transferred to airline points and hotel loyalty programs
- Annual fee: $95
- Apply now>>
【Regular】Capital One Venture X Business (150,000)
- Like the personal version, this card also has a $300 credit + 10,000 points each year, which is basically like holding it with no annual fee
Capital One Venture X Business Credit Card
A premium business credit card that can more than pay for itself each year
- Welcome bonus: 150,000 points (spend $30,000 within three months of card opening)
- Rewards: 2x on all purchases, plus an extra 10x/5x through the Capital One Travel portal
- Redemption: 100 points = $1 toward travel purchases; 1:1 transfers to airline miles
- Annual fee: $395
- Apply now>>
【Regular】AMEX Marriott Business (125,000 points)
- It comes with an annual free night certificate, so you can keep it long term if you can use it
AMEX Marriott Bonvoy Business Credit Card
Complimentary Gold elite status; one luxury hotel free night every year!
- Welcome bonus: 75,000 points (spend $6,000 in 6 months) + 50,000 (spend another $3,000 in 6 months)
- Rewards: 6x at SPG/Marriott hotels, 4x on dining, gas, and wireless phone service, 2x on all other purchases
- Redemption: Redeem at SPG/Marriott/Ritz-Carlton properties, or transfer to airline miles at up to a 3:1.25 ratio
- Annual fee: $125
- Apply now>>
【Regular】Chase IHG Business (140,000)
- This card also comes with an annual free night certificate; it also has a $50 airline credit.
- Can be held long term
Chase IHG Business Credit Card
One free night certificate every year + $50 in United TravelBank cash!
- Welcome bonus: 140,000 IHG points (spend $4,000 in three months)
- Rewards: 10x on IHG purchases; 5x on travel, gas stations, dining, and business purchases (office supplies, advertising); 3x on all other purchases
- Redemption: Redeem for IHG hotels, worth about 0.6 cpp
- Annual fee: $99
- Apply now>>
【Regular】AMEX Delta Business co-branded cards (60,000-80,000)
- The business versions are similar. The Gold version has no annual fee in the first year, so it can be a priority. Most people can just choose this one
AMEX Gold Delta Business Credit Card
First two checked bags free; Delta flight perks, $150 hotel reimbursement each year
- Welcome bonus: 60,000 Delta miles (spend $4,000 in the first 6 months)
- Rewards: Delta purchases, supermarkets, restaurants, shipping, advertising 2x; other purchases 1x
- Redemption: Can be redeemed for Delta flights and SkyTeam partner flights; redemptions get 15% off
- Annual fee: $150（No annual fee for the first year）
- Apply now>>
- Those who fly Delta often, or who have already applied for the Delta Business Gold, can consider the Delta Business Platinum
AMEX Platinum Delta Business Card
First two checked bags free; $440 in annual statement credits + one companion ticket, a card with generous Delta business benefits
- Welcome bonus: 70,000 Delta miles (spend $6,000 in first 6 months)
- Rewards: 3x on Delta purchases and hotel purchases; 2x on restaurants and supermarkets; 1.5x on transportation, shipping, and large single purchases; 1x on everything else
- Redemption: Can be redeemed for Delta flights and SkyTeam partner airline tickets
- Annual fee: $350（$250 for some existing cardmembers）
- Apply now>>
- If you want Delta elite status and Delta Sky Club access, you can consider it, but it’s best only for people who fly a lot. It is not suitable for the average applicant
AMEX Delta Reserve Business Card
First two checked bags free; annual companion ticket + $610 reimbursement, Delta's top-tier business card
- Welcome bonus: 80,000 Delta miles (spend $10,000 in six months)
- Rewards: Delta purchases 3x; transportation, office, shipping 1.5x; other purchases 1x
- Redemption: Can be redeemed for Delta flights and SkyTeam partner flight tickets; redemptions get 15% off
- Annual fee: $650（Some legacy cardholders: $550）
- Apply now>>
【Regular】Chase Southwest Performance Business (80,000)
- After meeting the spending requirement, you directly qualify for the Companion Pass, which doubles the value of the points!
Chase Southwest Performance Business Credit Card
Southwest business premium card with 9,000 bonus points every year!
- Welcome bonus: 80,000 Southwest miles (spend $5,000 in the first 3 months)
- Rewards: 3x on Southwest purchases; 2x on advertising purchases, internet, cable TV, phone services, gas, and dining; 1x on all other purchases
- Redemption: Redeemable for Southwest flights, with points worth about 1.5 cents each
- Annual fee: $299
- Apply now>>
【Regular】US Bank Altitude Power Business (75,000)
- The signup bonus is decent, and 2.5x on mobile wallet spending is pretty nice if you can use it
US Bank Altitude Power Business Business Credit Card
Fairly standard, suitable for business users
- Welcome bonus: 75,000 points (spend $10,000 within 120 days)
- Rewards: 6x on the issuer's travel portal; 2.5x on mobile wallet payments; 2x on everything else;
- Redemption: Cash back redemption directly ($25 minimum)
- Annual fee: $195
- Apply now>>
【Regular】Wells Fargo Signify Business ($500)
- Good signup bonus, no annual fee, 2% cash back
- Can be held long term
Simple and straightforward: 2% cash back + no annual fee!
- Welcome bonus: $500 (spend $5,000 in 3 months)
- Rewards: 2% cash back on all purchases
- Redemption: Redeem for cash back directly
- Annual fee: $0
- Apply now>>
Others
- US Bank Amazon Business: 5% cash back on Amazon purchases. If you spend a lot or place many orders, this is absolutely a very strong card. There are also occasional co-branded card discount promos during holiday periods. But the welcome offer is a bit low at only $125.
- US Bank Business Leverage: The $750 welcome offer is decent, but ongoing rewards are only 2x in specific categories, so it’s fairly average.
- Barclays Wyndham Earner Business: If you can make use of Wyndham hotel stays, this card offers outstanding value. The top 8x earning rate is roughly equivalent to about 7% cash back, and the annual 15,000-point bonus is worth around $145, which is already more than the annual fee. On top of that, the included Wyndham Diamond status can also be leveraged into a few higher-tier elite statuses.
About Business Credit Cards
A business credit card is a credit card or charge card issued by banks for companies or people engaged in business activity. There are many small companies and small merchants in the US, so banks sometimes also refer to them as Small Business Cards. Compared with personal credit cards, many business credit cards come with larger welcome bonuses and better benefits, so if you’re eligible, they can be very worthwhile. In addition, business credit cards are tied to an EIN (similar to an SSN), and you can even use multiple EINs to apply for several of the same card. So if you’re able to apply, the upside can be higher than with personal cards.
Compared with personal credit cards, business credit cards often have somewhat larger welcome bonuses, and they may also offer rewards tailored to business spending. Overall, however, the earning rates and categories on most business credit cards are covered by personal cards, so this article focuses mainly on business cards with especially strong welcome offers. Some cards with only average welcome offers or general usability, but that still have some long-term value, are also included later on. The cards below are ordered by the value of their welcome offers. For points-based offers, the reference used is: . For simplicity, URMRAAUA miles are all valued at 1.5c/p.
Roundup of Account Opening Bonuses
Some of the accounts below also come with excellent account opening bonuses. You can pick the ones you like and earn some extra money. It adds up over time, and in a year you can build a meaningful amount of cash and travel funds from these financial accounts.