Best Credit Cards

Best Business Credit Card Bonuses

If you have a business or are thinking about starting one and investing a good amount, it’s a good idea to have a business credit card.

That way, you are separating your business and personal expenses. Also, the card usually does not show up on your credit report and does not affect your utilization ratio. That is the amount of debt compared to your available credit, which affects your credit score. Lower utilization usually raises your score.

Ink Business Preferred credit card

  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That’s $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent in select categories each account anniversary year
  • Earn 1 point per $1 on all other purchases–with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more – your points don’t expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee
  • This card pays us commission if you apply through our site.

I love Ultimate Rewards program for many reasons. Here are my 3 favorite things to do with 80,000 points:

1) $800 statement credit or $1000 toward travel expenses booked through the Ultimate Rewards travel portal.

2) Transfer to British Airways Avios or Southwest Rapid Rewards at a 1:1 ratio.

3) Transfer to Hyatt Gold Passport points at a 1:1 ratio.
There are other transfer partners, but those are the ones I use currently. It also may make more sense to redeem for miles or points, since cash back is technically taxable when you earn it through a business credit card.

Platinum Delta SkyMiles Business Card from American Express

  • Limited Time Offer: Earn 10,000 Medallion® Qualification Miles (MQMs) and 70,000 bonus miles after you spend $4,000 in purchases on your new Card in your first 3 months.
  • Earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months. Offer ends 11/8/2017
  • Check your first bag for free and save up to $50 on a round trip Delta flight.
  • Settle into your seat sooner with Priority Boarding.
  • Enjoy 20% savings on eligible in-flight purchases in the form of a statement credit.
  • Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases. Miles don’t expire.
  • No Foreign Transaction Fees.
  • Terms and limitations apply
  • Annual fee of $195 is not waived.
  • Pays us commission.

Citi Business AAdvantage Platinum Select World MasterCard

  • Designed for businesses
  • For a limited time, earn 60,000 American Airlines AAdvantage® bonus miles after making $3,000 in purchases within the first 3 months of account opening*
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation*
  • Enjoy preferred boarding on American Airlines flights*
  • Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases*
  • Earn 2 AAdvantage® miles for every $1 spent on purchases at telecommunications, car rental merchants and at gas stations
  • Annual fee of $95 is waived during the first year.
  • The card pays us commission.

Southwest Rapid Rewards Premier Business

Earn 60,000 Rapid Rewards points after spending $3000 in the first three months. The $99 annual fee is not waived. If you pair this with a Southwest personal card, you are well on your way to a Southwest Companion Pass. This card does not pay us commission. Apply through this direct link.

Chase United Mileage Plus business card

You get 50,000 bonus miles after spending $2,000 spent in the first 3 months. You can redeem United miles for 4 one-way tickets within Lower 48 States or Canada, so it’s a good deal for a family if you can make use of them. The annual fee is waived the first year. Direct application link is  here. We do not make commission on this card. 

 Amex Business Gold Rewards card

The current public offer for this card is 50,000 bonus Membership Rewards points after spending $5000 in the first three months. Check CardMatch tool to see if you qualify for a higher offer on this card. The card earns 3X points per dollar on airfare and 2X points at gas stations as well as 2X points on computer purchases. The annual fee is waived the first year.
 

Be aware, very often Amex sends out targeted offers for this card with 75,000 points bonus, so check your mailbox. See this post to learn how to increase your chances of being targeted. My favorite transfer option is British Airways Avios miles when there is a transfer bonus. It usually happens a couple of times per year, but no guarantees. This card pays us commission if you apply through our site.

Capital One Spark Cash for Business

  • Earn 2% cash back on every purchase, every day
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within the first 3 months
  • Cash rewards don’t expire, and there are no categories to limit where or what you buy
  • $0 intro annual fee for the first year; $59 after that
  • Redeem cash rewards anytime, for any amount, even set up automatic redemption
  • No foreign transaction fees
  • Earn unlimited cash rewards that don’t expire
  • This card pays us commission if you apply through our site.
As always, excellent credit is required. Also, don’t get the cards if you think you might be tempted to overspend, because the minimum spending requirement is quite high on some of them. Please email me with any additional questions.

Author: Leana

Leana is the owner and founder of Miles For Family. She enjoys beach vacations and visiting her family in Europe. Originally from Belarus, Leana resides in central Florida with her husband and two children.

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22 thoughts on “Best Business Credit Card Bonuses

  1. There is absolutely nothing wrong in applying for a business credit card if you have any kind of business. And yes, blogging counts. As is Ebaying, Amazoning, babysitting, garageselling and myriad of other “ings” that can require non-personal expenses. If your policy is to stay clear of business credit cards in this hobby, you’re missing half of the fun.

  2. @ Andy Shuman Thanks so much for commenting. Yes, I am aware, that blogging counts as a business. That’s not the problem. The issue is: coming up with enough business expenses to qualify to get the bonus. If I find a card with low enough threshold, I will absolutely apply. Its my personal stand, I’m not telling others what to do. To me its like signing a contract, I want to uphold the terms of the agreement. And the agreement says to only use it for business expenses.

  3. Jack, thanks for stopping by! This actually has nothing to do with spending requirements, but rather the fact, that they are business cards. Which means, business expenses only. It has to do with ethical issues. And I do know about manufactured spend, though don’t personally participate in it.

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