[Update: Some offers mentioned below have expired. You can view the current offers from our partners here — Spark Cash From Capital One and Citibusiness/AAdvantage Platinum Select World Mastercard. Disclosure: Cards from our partners are mentioned below.]
Running a business is not easy. Business owners take risks with their capital, and only the best will realize profits over the long run.
One thing all businesses have in common are expenses, and entrepreneurs often rely on business credit cards as their primary method of payment. Fortunately, many of the top business credit card issuers can offer valuable sign-up bonuses to help get your business get started, and to defray some of your travel expenses.
Before you apply for any credit card, it’s important to make sure your credit is in shape so you can earn the best interest rate available. You can check your credit scores for free on Credit.com to see where you stand.
Here are five of the top business credit cards that offer rewards to new applicants.
1. U.S. Bank FlexPerks Business Edge Travel Rewards Card
New cardholders earn 20,000 bonus FlexPoints after spending $3,500 in purchases in the first few months after account opening. These points are redeemable for an airline ticket worth up to $400, with no blackout dates or redemption fees. In addition, cardholders receive a $25 airline allowance for each award ticket, good toward luggage fees, in-flight purchases and other airline fees.
Cardholders also earn double points on the one eligible category they spend the most on, such as gas, office supplies, or airline tickets, as well as most mobile phone service charges. Triple points are earned on charitable donations, and one point is earned per dollar spent on all other categories. There is no annual fee the first year and a $55 fee after that, plus $10 for additional employee cards.
2. Chase Ink Plus
New cardholders earn 50,000 Ultimate Rewards points after spending $5,000 with their card within three months of account opening. These points are worth $500 in cash back, or $625 toward travel reservations made through Chase’s website. In addition, points can be transferred to several different airline and hotel partners, plus Amtrak Guest Rewards.
Cardholders earn 5x points on their first $50,000 spent in combined purchases at office supply stores and on mobile phone, landline, internet and cable TV services each account anniversary year. Double points are also earned on the first $50,000 spent on purchases at gas stations and hotels, and one point per dollar is earned on all other purchases. There is no annual fee for this card the first year, and a $95 annual fee after that.
3. The Enhanced Business Gold Rewards Card From American Express
This card is offering new applicants 25,000 Membership Rewards points after they spend $5,000 in purchases within the first three months of card membership. These points are worth one cent each toward a variety of gift cards, merchandise and travel reservations, or can be transferred to several different airline and travel programs.
Cardholders earn 3x points in one category of their choice including airfare, media, gas, shipping and computer supplies, and double points from the other categories. One point per dollar is earned on all other purchases. Benefits include numerous travel insurance and purchase protection policies. There is no annual fee for the first year, then $175 after that, plus an additional $50 for each authorized employee cardholder.
4. Spark Cash From Capital One
This card is offering a $250 bonus to new applicants who spend $5,000 within the first three months after account opening and an additional $50 when they request one or more employee cards in the first 60 days. This card offers 2% cash back on all purchases. There is a $59 annual fee that is waived the first year, and no additional fee for employee cards.
5. Citibusiness/AAdvantage Platinum Select World Mastercard
This card offers 50,000 miles to new applicants who use it to make at least $3,000 in purchases within the first three months of account opening. This is enough for two round-trip domestic award tickets in economy class, or one in first, plus taxes.
Double miles are earned on purchases from American and US Airways, and one mile per dollar is earned from all other purchases. Cardholders also receive group one priority boarding, a 25% savings on eligible in-flight food and beverage purchases, and their first bag checked free for themselves and up to four traveling companions. There is a $95 annual fee for this card that is waived the first year, and no additional fee for employee cards.
Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.
At publishing time, the U.S. Bank FlexPerks Business Edge Travel Rewards, Chase Ink Plus, Enhanced Business Gold Rewards card from American Express, Spark Cash From Capital One and Citibusiness/AAdvantage Platinum Select World Mastercard, are offered through Credit.com product pages, and Credit.com will be compensated if our users apply for and ultimately sign up for any of these cards. However, this relationship does not result in any preferential editorial treatment.
More on Credit Cards:
- The Credit.com Credit Card Learning Center
- 6 Smart Credit Card Strategies
- How to Get a Credit Card With Bad Credit