Business credit cards offer lucrative sign-up bonuses worth $1,000 or more in cash back or travel points for new cardholders. These big bonuses can have big spending requirements, though — as much as $30,000 in three months, depending on the card. Review the offer details, and your business's planned spending, to make sure you can easily qualify for the welcome offer before signing up.
Best business card sign-up bonuses
- Capital One Spark Cash Plus:Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months and an additional $2,000 cash bonus for every $500K spent during the first year.
- Capital One Spark Cash Select:Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening.
- Capital One Venture X Business:Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening.
- Ink Business Preferred® Credit Card:Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
- Ink Business Unlimited® Credit Card:Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
- Marriott Bonvoy Business® American Express® Card:Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.
- U.S. Bank Triple Cash Rewards Visa® Business Card:Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
While all of our picks for business credit cards with the best sign-up bonuses are chosen by our editorial team without outside input, the cards highlighted below are those available from our partners. You can jump to our "other picks" section for additional options, including those not currently available through NerdWallet.
250+ small-business products reviewed and rated by our team of experts.
80+ years of combined experience covering small business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
Business credit cards offer lucrative sign-up bonuses worth $1,000 or more in cash back or travel points for new cardholders. These big bonuses can have big spending requirements, though — as much as $30,000 in three months, depending on the card. Review the offer details, and your business's planned spending, to make sure you can easily qualify for the welcome offer before signing up.
Best business card sign-up bonuses
- Capital One Spark Cash Plus:Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months and an additional $2,000 cash bonus for every $500K spent during the first year.
- Capital One Spark Cash Select:Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening.
- Capital One Venture X Business:Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening.
- Ink Business Preferred® Credit Card:Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
- Ink Business Unlimited® Credit Card:Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
- Marriott Bonvoy Business® American Express® Card:Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.
- U.S. Bank Triple Cash Rewards Visa® Business Card:Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
While all of our picks for business credit cards with the best sign-up bonuses are chosen by our editorial team without outside input, the cards highlighted below are those available from our partners. You can jump to our "other picks" section for additional options, including those not currently available through NerdWallet.
250+ small-business products reviewed and rated by our team of experts.
80+ years of combined experience covering small business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
Here are the best business credit card sign-up bonuses
| Best for | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
 Best Small Business Credit Card 2025 Ink Business Unlimited® Credit Card Apply now on Chase's website Rates & Fees | 4.9/5 | $0 | 1.5% Cashback | $750 | Apply now on Chase's website Rates & Fees |
Unlimited flat-rate cash back Capital One Spark Cash Select Apply now on Capital One's website Rates & Fees | 4.6/5 | $0 | 1.5%-5% Cashback | $500 | Apply now on Capital One's website Rates & Fees |
Intro APR + bonus categories U.S. Bank Triple Cash Rewards Visa® Business Card Apply now on U.S. Bank's website Rates & Fees | 4.4/5 | $0 | 1%-3% Cashback | $750 | Apply now on U.S. Bank's website Rates & Fees |
Overall travel points welcome offer Ink Business Preferred® Credit Card Apply now on Chase's website Rates & Fees | 4.8/5 | $95 | 1x-3x Points | 90,000 Points | Apply now on Chase's website Rates & Fees |
Hotel business card bonus offer Marriott Bonvoy Business® American Express® Card Apply now on American Express' website Rates & Fees | 5.0/5 | $125 | 2x-6x Points | 3 Free Night Awards Points | Apply now on American Express' website Rates & Fees |
Businesses with big budgets Capital One Spark Cash Plus Apply now on Capital One's website Rates & Fees | 4.9/5 | $150 | 2%-5% Cashback | $2,000 | Apply now on Capital One's website Rates & Fees |
Welcome offer + annual travel credit Capital One Venture X Business Apply now on Capital One's website Rates & Fees | 4.9/5 | $395 | 2x-10x Miles | 150,000 Miles | Apply now on Capital One's website Rates & Fees |
I'M INTERESTED IN:
Our pick for
Overall cash-back welcome offer
Best Small Business Credit Card 2025
Best Small Business Credit Card 2025
Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$750
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
The
Ink Business Unlimited® Credit Card
's new welcome offer is one of the best around, but it won't last for long. - Earn $750 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
View Rates & Fees
Our pick for
Unlimited flat-rate cash back
Annual fee
$0
Rewards rate
1.5%-5% Cashback
Intro offer
$500
Pros
- High rewards rate
- No reward caps
- No foreign transaction fees
Cons
- Requires excellent credit
- Reports all card activity to consumer credit bureaus
- No Intro APR period
This card's pairing of a generous, attainable sign-up bonus with no annual fee and unlimited flat-rate cash back makes it a winner.
- Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
- No annual fee
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Rewards won't expire for the life of the account
- Redeem your cash back rewards for any amount
- Free employee cards, which also earn unlimited 1.5% cash back on all purchases
- $0 Fraud Liability for unauthorized charges
View Rates & Fees
Our pick for
Intro APR + bonus categories
U.S. Bank Triple Cash Rewards Visa® Business Card
Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$750
Pros
- High cash-back bonus rate
- No cap on bonus rewards
- Intro APR period on purchases
- Reports to Dun & Bradstreet
- New cardholder bonus offer
Cons
- Low rate outside bonus categories
- Activity on employee cards does not count toward bonus spending requirement
Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$750
Pros
- High cash-back bonus rate
- No cap on bonus rewards
- Intro APR period on purchases
- Reports to Dun & Bradstreet
- New cardholder bonus offer
Cons
- Low rate outside bonus categories
- Activity on employee cards does not count toward bonus spending requirement
The
U.S. Bank Triple Cash Rewards Visa® Business Card
is one of a handful of business cards with a $750
sign-up bonus. The ongoing rewards are excellent, too: Earn 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs). Earn 1% cash back on all other eligible net purchases. Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
View Rates & Fees
Our pick for
Overall travel points welcome offer
Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
90,000 Points
Pros
- New cardholder bonus offer
- High reward redemption rate
- Transfer partners
Cons
- Does not include lounge access or travel credits
If you prefer points to cash back, this card offers one of the biggest sign-up bonuses of any business card anywhere.
- Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
- 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 Travel℠
- 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
View Rates & Fees
Our pick for
Hotel business card bonus offer
Annual fee
$125
Rewards rate
2x-6x Points
Intro offer
3 Free Night Awards Points
Pros
- High rewards rate
- Automatic elite status
- Free night reward on cardholder anniversary
- New cardholder bonus offer
Cons
- Rewards have limited flexibility
You can cash in this generous welcome offer for free nights at Marriott properties, including Sheraton, Westin and The Ritz-Carlton hotels.
- WELCOME OFFER: Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.
- Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
- 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. Award 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 Marriott Bonvoy Business® American Express® Card.
- Terms apply.
View Rates & Fees
Our pick for
Businesses with big budgets
Capital One Spark Cash Plus
Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$2,000
Pros
- High rewards rate
- No preset spending limit
- No foreign transaction fees
- New cardholder bonus offer
Cons
- High annual fee
- Balance must be paid in full every month
- High spending requirement to hit bonuses
- Requires excellent credit
Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$2,000
Pros
- High rewards rate
- No preset spending limit
- No foreign transaction fees
- New cardholder bonus offer
Cons
- High annual fee
- Balance must be paid in full every month
- High spending requirement to hit bonuses
- Requires excellent credit
This charge card's massive welcome offer has a spending requirement to match, making it best suited to businesses with substantial expenses and cash flow.
- Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
- Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
- Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
- Enjoy purchasing power that adapts to your business. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- $150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
- Spark Cash Plus has no APR because your balance is due in full every month
- For businesses that need large spending capacity and want to maximize cash back
View Rates & Fees
Our pick for
Welcome offer + annual travel credit
Capital One Venture X Business
Annual fee
$395
Rewards rate
2x-10x Miles
Intro offer
150,000 Miles
Pros
- High rewards rate
- New cardholder bonus offer
- Priority Pass lounge membership
- Annual travel credit, bonus points
- Statement credit for Global Entry, TSA PreCheck®
Cons
- High annual fee
- Requires excellent credit
- Balance must be paid in full every month
Annual fee
$395
Rewards rate
2x-10x Miles
Intro offer
150,000 Miles
Pros
- High rewards rate
- New cardholder bonus offer
- Priority Pass lounge membership
- Annual travel credit, bonus points
- Statement credit for Global Entry, TSA PreCheck®
Cons
- High annual fee
- Requires excellent credit
- Balance must be paid in full every month
This premium business travel card comes with a baller welcome offer, plus other enticing perks, like an annual travel credit, airport lounge access and a statement credit for TSA PreCheck® or Global Entry application fees. Terms apply.
- Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
- Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
- Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Travel, where you'll get the best prices on thousands of options
- With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
- Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
- Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings through Capital One Travel
- Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and membership to Priority Pass through the Partner Lounge Network
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- This is a pay-in-full card, so your balance is due in full every month
View Rates & Fees
The following business card sign-up bonuses are potentially less valuable or harder to get than those listed above. But they may make sense for you based on your spending habits or personal preferences. Here are some options to consider.
Cash-back business credit cards with welcome offers
- Ink Business Premier® Credit Card:Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
- The American Express Blue Business Cash™ Card:Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.
- Ink Business Cash® Credit Card:Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
- Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card:Get a $300 online statement credit after you make at least $3,000 in net purchases in the first 90 days of your account opening - with no annual fee and cash rewards don't expire as long as your account remains open.
Travel business credit cards with welcome offers
- The Business Platinum Card® from American Express:Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership. Terms Apply.
- U.S. Bank Business Altitude® Connect Visa Signature® Card:Limited Time Offer: Earn 60,000 bonus points, worth $600 if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
- Southwest® Rapid Rewards® Performance Business Credit Card:Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
- IHG One Rewards Premier Business Credit Card:Earn up to 200,000 Bonus Points. Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening. Plus, earn 60,000 Bonus Points after spending a total of $9,000 in the first 6 months from account opening.
A business credit card sign-up bonus is a perk for new cardholders typically awarded as cash back or points. To earn a welcome offer, you must meet the offer's spending requirements within the designated timeframe (often 90 days).
Sign-up bonuses can change frequently and you can be excluded from the offer based on your history with an issuer (whether you’ve had a version of that business card before, how many cards you have with the provider, etc.). If you’re unsure about your eligibility, contact the issuer before applying for clarification.
Business credit cards usually have much larger welcome offers than personal cards. Why? Because small-business owners tend to spend more than consumers. And the more you spend, the more the card issuer earns.
That means issuers can afford to be more generous — and enticing — with their sign-up bonuses for business credit cards. Here are some examples of sign-up bonuses featured by business credit cards compared with a comparable consumer-level card.
Ink Business Unlimited® Credit Card vs. Chase Freedom Unlimited®
Card type | Business. | Personal. |
Annual fee | $0 . | $0 . |
Bonus | Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. | Limited Time Intro Offer: Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening. |
Ink Business Preferred® Credit Card vs. Chase Sapphire Preferred® Card
Card type | Business. | Personal. |
Annual fee | $95 . | $95 . |
Bonus | Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. | Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. |
Capital One Venture X Business vs. Capital One Venture X Rewards Credit Card
Card type | Business. | Personal. |
Annual fee | $395 . (See rates and fees.) | $395 . (See rates and fees.) |
Bonus | Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening. | Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel. |
🤓 Nerdy Tip
You don’t need a business to get a business credit card and qualify for bigger sign-up bonuses. Freelance gigs and side jobs — even dogsitting or selling items on Facebook Marketplace — are good enough to get a business card. You don't even need business revenue, just an excellent personal credit score to qualify for most business credit cards.It can be tricky to evaluate business credit card bonuses with different criteria side-by-side. Here’s a simple equation to compare them:
- Required spending amount / bonus amount
The lower the result, the better potential value of the offer.
For example, let’s say card “A” has a $350 cash bonus if you spend $4,000 in 90 days while card “B” gives you $250 for spending $3,000 in that time frame. Here’s how these offers break down:
- Card A: 4,000 / 350 = 11.4
- Card B: 3,000 / 250 = 12
In this case, card A’s extra $100 is seemingly the better deal. Of course, if you know your business won’t spend $4,000, then your calculus should change. Ditto for if that card’s other features — perhaps it has an annual fee or capped rewards — would influence its staying power for you. Still, this is one way to factor bonuses into your broader decision.
Travel, hotel and airline business credit cards usually offer points in their welcome offers instead of cash. You’ll want to convert those points to dollars since their value depends on many factors, including how and where you plan to redeem them. Here’s how NerdWallet values different issuer points to help you evaluate those offers.
View rates and fees of
Capital One Spark Cash Plus
.View rates and fees of
Capital One Venture X Business
.View rates and fees of the
Capital One Venture X Rewards Credit Card
. To view rates and fees of the
Marriott Bonvoy Business® American Express® Card
, see this page.Last updated on March 24, 2025
Methodology
NerdWallet's business credit card team selects the best small-business credit cards without outside input from partners or other business interests. We evaluate business cards based on value and simplicity, weighing fees, sign-up bonuses and reward rates, alongside perks like interest-free periods, statement credits and elite status (for travel cards). Business cards that earn the highest scores deliver the most value to the greatest number of business owners.
Notable changes to our methodology for 2025 include factoring in whether spending on employee cards earns rewards and counts toward the welcome offer requirements. We also now consider what information the card issuer reports to consumer credit bureaus. Learn how NerdWallet rates small-business credit cards.
