Business cards are looking very strong this month, so take a look and see if any fit your needs.

  • In-house cards: Chase CSR Biz 200k and Ink 100k are both best-ever offers and are not to be missed. AMEX Gold Biz and Platinum Biz at 200,000 / 300,000 are also excellent, though you have to “open the mystery box” to see whether you can get them.
  • Airline cards: Delta has very large welcome offers, up to 200k; UA’s 110k limited-time offers are also good; AA Biz can also reach 75k after stacking.
  • Hotel cards: Hilton has a best-ever offer, and Hyatt Biz also has a good offer.

This post mainly lists good welcome offers on business cards. For rankings related to personal cards, see: Personal Card Recommendations

  • [Best-ever]: The highest or especially good welcome offer historically; you can prioritize applying.
  • [Limited-time]: A relatively high recent welcome offer; a good time to apply.
  • [Standard]: This is basically the long-term welcome offer; if you do not have a card to apply for recently, you can consider it.

Contents [Hide]

[Best-ever] Chase Sapphire Reserve Business (200,000)

  • The welcome offer is extremely high, and the credits can basically offset the annual fee, so holding it for one year is absolutely worthwhile.

Apply now

Full review

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>>

[Best-ever] Chase Ink Unlimited (100,000)

  • Long-term hold: 1.5x on all purchases. It is actually fairly similar to the personal Unlimited, so there is not much value in holding an extra one.
  • Personal suggestion: After earning the welcome offer, product change to Ink Cash to enjoy bonus categories.

Apply now

Full review

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 4 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>>

[Best-ever] Chase Ink Cash (100,000)

  • Long-term hold: The bonus cash back at office supply stores and on internet, cell phone, phone, and TV bills is quite good and works well for small-business spending. Office supply stores also sell third-party gift cards such as Visa gift cards.
  • Personal suggestion: Hold long term.

Apply now

Full review

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>>

[Best-ever] AMEX Hilton Business (150,000 + free night certificate)

  • The annual $240 Hilton credit and premium rental car status make it worth holding long term if you can use the benefits.

Apply now

Full review

AMEX Hilton Business Credit Card

Complimentary Hilton Gold status + up to $240 in hotel credits each year + premium car rental status

  • Welcome bonus: 150,000 points + 1 free night certificate (spend $8,000 in 6 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>>

[Best-ever] AMEX Delta Business co-branded cards (90,000-200,000)

  • The business versions are similar. Gold waives the first-year annual fee, so it is worth considering first. This is the right choice for most people.

Apply now

Full review

AMEX Gold Delta Business Credit Card

First two checked bags free; Delta flight perks, $150 hotel reimbursement each year

  • Welcome bonus: 90,000 Delta miles (spend $6,000 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>>
  • If you travel on Delta frequently or have already applied for Delta Business Gold, you can consider Delta Business Platinum.

Apply now

Full review

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: 100,000 Delta miles (spend $8,000 in the 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 need Delta elite status and access to Delta’s own airline lounges, you can consider it, but ideally only if you fly very often. It is not suitable for most people.

Apply now

Full review

AMEX Delta Reserve Business Card

First two checked bags free; annual companion ticket + $610 reimbursement, Delta's top-tier business card

  • Welcome bonus: 200,000 Delta miles (spend $20,000 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>>

[Limited-time] Citi Business AAdvantage Platinum (75,000)

  • After earning the welcome offer, just downgrade or close the card after one year. After all, the first-year annual fee is waived.
  • 2x on all purchases is not uncommon among both business and personal cards, so it is not especially worth holding long term.
  • The current welcome offer is 65,000, but you can stack it with the 10,000 bonus for registering an AA business account. See the detailed introduction for specifics.

Apply now

Full review

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 try applying, and you can only see exactly how large your offer is at the final step.
  • If you are not satisfied, you can choose not to submit the application, with no impact on your credit score.

Apply now

Full review

AMEX Business Gold Card

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 try applying, and you can only see exactly how large your offer is at the final step.
  • If you are not satisfied, you can choose not to submit the application, with no impact on your credit score.

Apply now

Full review

AMEX Business Platinum Card

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)

  • This is a new card with a good welcome offer, but the ongoing annual-fee cost is too high just for that 2% return.

Apply now

Full review

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 cap on travel, shipping, internet and cell phone bills, and advertising is fairly high, making it suitable for those with substantial spending in these categories.
  • Personal suggestion: After earning the welcome offer, keep it depending on your spending categories, or downgrade to Ink Cash or Ink Unlimited.

Apply now

Full review

Chase Ink Preferred Business Credit Card

A strong choice for people with heavy spending in specific categories, Chase business card

  • Welcome bonus: 100,000 Ultimate Rewards (spend $8,000 in the first 3 months)
  • 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)

  • It has no annual fee, so the value proposition is very strong.

Apply now

Full review

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 offers annual credits that offset about half the annual fee, though unfortunately it does not come with a free night certificate. It is also fine to just take the bonus and move on.

Apply now

Full review

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 Marriott Business (100,000 + 50k free night certificate)

  • Right now, after spending $8,000 in the first 6 months, you can earn 100,000 Marriott points + 1 free night certificate worth up to 50k. Expires November 4.
  • It gives a free night certificate every year, so if you can use it, you can hold the card long term.

Apply now

Full review

AMEX Marriott Bonvoy Business Credit Card

Complimentary Gold elite status; one luxury hotel free night every year!

  • Welcome bonus: 100,000 points + 1 50,000-point free night certificate (spend $8,000 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>>

[Limited-time] BofA Atmos Rewards Business (85,000 + companion fare)

  • The points have relatively high value, and the companion fare is usable.

Apply now

Full review

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 has various credits, so holding it long term is also acceptable.

Apply now

Full review

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)

  • Suitable for those who fly UA very frequently and need lots of checked baggage and UA lounge benefits.

Apply now

Full review

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)

  • The 3% categories are good for business use, and the $100 software credit is easy to use.

Apply now

Full review

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 earns 4x-5x on travel, which is quite good. For rideshare, you can also get an annual $100 credit, and it includes 4 Priority Pass visits, making it a fairly well-rounded card.

Apply now

Full review

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>>

[Standard] Capital One Spark Cash Plus ($2,000)

  • 2% cash back on all purchases, plus an annual-fee waiver with high spending, makes the value proposition very strong.

Apply now

Full review

Capital One Spark Cash Plus Business Credit Card

Unlimited 2% cash back on all purchases!

  • Welcome bonus: $2,000 cash back (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>>

[Standard] Capital One Spark Cash ($1,000)

  • The first-year annual fee is waived. After earning the bonus, you can consider downgrading in the second year to avoid the annual fee.

Apply now

Full review

Capital One Spark Cash Credit Card

2% cash back on all purchases!

  • Welcome bonus: $1,000 travel credit (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>>

[Standard] Capital One Venture Business 100,000

  • The spending requirement is fairly high, but the return is still decent.
  • Capital One points can now also be transferred to airline miles and hotel points, so they still have useful applications.

Apply now

Full review

Capital One Venture Business

$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>>

[Standard] Capital One Venture X Business (150,000)

  • Like the personal version, this card also offers a $300 credit + 10,000 points every year, effectively making it like holding the card with no annual fee.

Apply now

Full review

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>>

[Standard] Chase IHG Business (140,000 + 10,000)

  • This card also gives one free night certificate every year, and it also has a $50 airline credit.
  • Add an Employee Card in the first 3 months to earn an additional 10,000 IHG points.
  • Can be held long term.

Apply now

Full review

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>>

[Standard] Chase Southwest Performance Business (80,000)

  • The 80,000 welcome offer is good, but completing the welcome-offer spending will not directly meet the Companion Pass requirement.

Apply now

Full review

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>>

[Standard] US Bank Altitude Power Business (75,000)

  • The welcome offer is decent, and 2.5x on mobile wallet payments is quite good if you can make use of it.

Apply now

Full review

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>>

[Standard] Wells Fargo Signify Business ($500)

  • The welcome offer is good, with no annual fee and 2% cash back.
  • Can be held long term.

Apply now

Full review

Wells Fargo Signify Business

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>>

Other Cards

  • US Bank Amazon Business: 5% cash back on Amazon purchases. If you spend a lot or place many orders on Amazon, this is definitely a very solid card. There are also co-branded card discount promotions around the holidays. However, the welcome bonus is a bit low, at only $125.
  • US Bank Business Leverage: The $750 welcome bonus is pretty good, but purchases only earn 2x in select categories, which is fairly average.
  • Barclays Wyndham Earner Business: If you can make use of Wyndham hotel stays, this card offers excellent value. The highest 8x earning rate is equivalent to roughly 7% cash back, and the 15,000 points given each year are worth about $145, which is more than the annual fee. In addition, the complimentary Wyndham Diamond status can also be used to match to several other elite statuses.

About Business Credit Cards

Business credit cards are credit cards or charge cards issued by banks for companies or people engaged in business activities. Because there are many small companies and small businesses in the United States, banks sometimes also call them Small Business Cards. Compared with personal credit cards, many business credit cards offer higher welcome bonuses and better benefits, so they are well worth applying for if you are eligible. 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 copies of the same credit card. So if you are able to apply, the potential upside is higher than with personal cards.

Compared with personal credit cards, business credit cards often have slightly higher welcome bonuses and may also offer rewards designed for business spending. Overall, however, the vast majority of business credit cards have cash back rates and bonus categories that are covered by personal cards as well. Therefore, in this article we focus on a few business credit cards with relatively high welcome bonuses. For some cards whose welcome bonuses or general usefulness are only average but that still have some keeper value, we will also introduce them later. The cards below are ranked by the value of their welcome bonuses. For cards involving points, we referenced: Points and Miles Valuations. For simple calculations, UR is valued at 1.6c/p, while MR, AA, and UA miles are all valued at 1.5c/p.

Welcome Bonus Roundup

The accounts below all have very solid sign-up bonuses. Pick the ones you like and earn some extra cash. Over time, those small amounts add up, and in a year you can make a good amount of money and travel funds from these financial accounts.

Business cards are looking very good this month, so you can see whether any of them are a good fit for you.

  • Bank points cards: Chase CSR Biz 200k and Ink 100k are both all-time highs and should not be missed. Of course, the 200,000 /300,000 offers on AMEX Gold Biz and Platinum Biz are also excellent; you just have to try your luck and see whether you can get them.
  • Airline cards: Delta has huge welcome bonuses, up to 200k; UA's limited-time 110k offer is also good, and AA Biz can reach 75k when stacked.
  • Hotel cards: Hilton has an all-time-high offer, and Hyatt Biz also has a decent offer.

This article mainly lists good welcome bonuses on business cards. For rankings related to personal cards, see: Personal Card Recommendations

  • [All-Time High]: The highest or an especially good welcome bonus historically; these can be prioritized.
  • [Limited-Time]: A relatively high recent welcome bonus; generally a good time to apply.
  • [Standard]: This is basically the long-term standard welcome bonus; if you do not have any cards to apply for recently, you can consider it.

[All-Time High] Chase Sapphire Reserve Business (200,000)

  • The welcome bonus is extremely high, and the credits can essentially offset the annual fee. Holding it for one year is absolutely worth it.

Apply now

Full review

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 purchases. This is actually similar to the personal version of the Unlimited, so there is not much point in keeping an extra one long term.
  • Personal suggestion: After earning the welcome bonus, product change to Ink Cash to enjoy bonus-category rewards.

Apply now

Full review

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 4 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 bonus rewards at office supply stores and on internet, cell phone, phone, and TV bills are quite good, making it suitable for small-business spending. Office supply stores also sell third-party gift cards such as Visa gift cards.
  • Personal suggestion: Keep it long term.

Apply now

Full review

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] AMEX Hilton Business (150,000 + Free Night Certificate)

  • The annual $240 Hilton credit and premium rental car status can make this a worthwhile long-term keeper if you can use them.

Apply now

Full review

AMEX Hilton Business Credit Card

Complimentary Hilton Gold status + up to $240 in hotel credits each year + premium car rental status

  • Welcome bonus: 150,000 points + 1 free night certificate (spend $8,000 in 6 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>>

[All-Time High] AMEX Delta Business Co-Branded Cards (90,000-200,000)

  • The business versions are similar as well. Gold waives the first-year annual fee, so you can consider it first. This is the right choice for most people.

Apply now

Full review

AMEX Gold Delta Business Credit Card

First two checked bags free; Delta flight perks, $150 hotel reimbursement each year

  • Welcome bonus: 90,000 Delta miles (spend $6,000 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>>
  • If you travel on Delta often or have already applied for Delta Business Gold, you can consider Delta Business Platinum.

Apply now

Full review

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: 100,000 Delta miles (spend $8,000 in the 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 need Delta elite status and access to Delta's own airline lounges, you can consider this card, but it is best suited for people who fly very frequently. It is not suitable for most people.

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Full review

AMEX Delta Reserve Business Card

First two checked bags free; annual companion ticket + $610 reimbursement, Delta's top-tier business card

  • Welcome bonus: 200,000 Delta miles (spend $20,000 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>>

[Limited-Time] Capital One Spark Cash Plus ($2,000)

  • 2% cash back on all purchases, plus an annual fee waiver for high spending, making it a very good value.
  • $500 is a Capital One travel credit, which can be used to book flights and hotels.

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Capital One Spark Cash Plus Business Credit Card

Unlimited 2% cash back on all purchases!

  • Welcome bonus: $2,000 cash back (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>>

[Limited-Time] Capital One Spark Cash ($1,000)

  • The first-year annual fee is waived. After earning the bonus, you can consider downgrading in the second year to avoid the annual fee.
  • $250 is a Capital One travel credit, which can be used to book flights and hotels.

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Full review

Capital One Spark Cash Credit Card

2% cash back on all purchases!

  • Welcome bonus: $1,000 travel credit (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 earning the welcome bonus, you can simply downgrade or close the card after one year. The first-year annual fee is waived anyway.
  • 2x on all purchases is not uncommon among business cards or personal cards, so it is not especially worth keeping long term.
  • The current welcome bonus is 65,000, but it can be stacked with the 10,000 bonus from registering for an AA business account. See the detailed review for specifics.

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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 try applying and wait until the final step to see exactly how large your offer is.
  • If you are not satisfied, you can choose not to submit the application, with no impact on your credit score.

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AMEX Business Gold Card

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 try applying and wait until the final step to see exactly how large your offer is.
  • If you are not satisfied, you can choose not to submit the application, with no impact on your credit score.

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AMEX Business Platinum Card

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)

  • This is a newly launched card with a solid welcome bonus, but the annual fee cost is too high in the long run just for this 2% earning rate.

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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 rewards cap is quite high for travel, shipping, internet and cell phone bills, and advertising, making it suitable for those with substantial spending in these areas.
  • Personal suggestion: After earning the welcome bonus, keep it depending on your spending categories, or downgrade to Ink Cash or Ink Unlimited.

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Full review

Chase Ink Preferred Business Credit Card

A strong choice for people with heavy spending in specific categories, Chase business card

  • Welcome bonus: 100,000 Ultimate Rewards (spend $8,000 in the first 3 months)
  • 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)

  • It has no annual fee, making it a very good value.

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Full review

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 offers credits every year, offsetting half of the annual fee, though unfortunately it does not offer a free night certificate. You can also just get the bonus and move on.

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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] Chase United Business (110,000+2,000 PQP)

  • It has various credits, so keeping it long term can also be reasonable.

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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)

  • Best for people who fly UA very frequently and need lots of checked-bag and UA lounge benefits.

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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)

  • The 3% categories are useful for business spending, and the $100 software credit is easy to use.

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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 earns 4x-5x cash back on travel, which is pretty good. It also offers up to $100 in annual credits for rideshare, plus 4 Priority Pass visits, making it a fairly well-rounded card.

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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 still pretty good.
  • Capital One miles can now also be transferred to airline miles and hotel points, so they are still quite useful.

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Capital One Venture Business

$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 offers a $300 annual credit plus 10,000 miles each year, effectively making it free to keep.

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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 a free night certificate every year. If you can use it, the card can be worth keeping long term.

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AMEX Marriott Bonvoy Business Credit Card

Complimentary Gold elite status; one luxury hotel free night every year!

  • Welcome bonus: 100,000 points + 1 50,000-point free night certificate (spend $8,000 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 gives you a free night certificate every year, and it has a $50 airline credit.
  • It can be kept long term.

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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] Chase Southwest Performance Business (80,000)

  • After meeting the spending requirement, you will have enough for the Companion Pass, effectively doubling the value of your miles!

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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 welcome bonus is pretty good, and 2.5x on mobile wallet payments is also quite nice if you can make use of it.

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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)

  • The welcome bonus is good, and it earns 2% cash back with no annual fee.
  • It can be kept long term.

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Wells Fargo Signify Business

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 definitely a very good card. There are also co-branded card discount promotions during holidays. However, the welcome bonus is relatively low at only $125.
  • US Bank Business Leverage: The $750 welcome bonus is pretty good, but the card only earns 2x in select categories, which is fairly average.
  • Barclays Wyndham Earner Business: If you can use Wyndham hotel stays, this card offers excellent value. The highest earning rate of 8x is roughly equivalent to about 7% cash back, and the 15,000 points awarded every year are worth around $145, which is more than the annual fee. In addition, the complimentary Wyndham Diamond status can also let you get several other elite statuses for free.

About Business Credit Cards

Business credit cards are credit cards or charge cards that banks issue to companies or to people engaged in business activities. There are many small companies and small businesses in the United States, so banks sometimes refer to these as Small Business Cards. Compared with personal credit cards, many business credit cards offer higher welcome bonuses and better benefits, so they can be very good options if you are eligible to apply. In addition, business credit cards can be tied to an EIN, which is similar to an SSN, and you can even use multiple EINs to apply for several of the same credit card. So if you can apply, the potential upside is greater than with personal cards.

Compared with personal credit cards, business credit cards often have slightly higher welcome bonuses, and they may also offer rewards designed for business spending. Overall, however, the cash-back rates and categories on the vast majority of business credit cards are covered by personal cards as well. Therefore, this article focuses on several business credit cards with relatively high welcome bonuses. Cards whose welcome bonuses or general usability are only average, but that still have some value for long-term holding, are also introduced later. The cards below are sorted by the value of their welcome bonuses. For cards involving points, the valuations reference: . For simplicity, UR, MR, AA, and UA miles are all valued at 1.5 cents per point.

Welcome Bonus Roundup

The accounts below all have very solid sign-up bonuses. Pick the ones you like and earn some extra cash. Over time, those small amounts add up, and in a year you can make a good amount of money and travel funds from these financial accounts.