Top 10 Best Small Business Credit Card Bonus Offers – February 2019

Do you have small business income or work as an independent contractor? Uber/Lyft, Amazon, eBay, Etsy, Airbnb? You are eligible to open a small business credit card, which keeps your personal and business expenses separate. If you are not a corporation or LLC, you can apply as a sole proprietorship, with your name as the business name and your Social Security number as the Tax ID number. I did this for years successfully before incorporating my business.

Small business credit cards are offering strong perks and $500+ value for a single card during the first year to try out a new card. Below are the top 10 credit card offers that I would apply for (or have applied for already) as of February 2019. Recent changes:

New 100k Marriott Bonvoy Business limited-time offer.
New 75k United Explorer Business limited-time offer.
Updated Capital One Spark for Business offer (no more 2k).
Updated Alaska Air card offer.

This is a companion post to my Top 10 Best Credit Card Bonus Offers for personal cards. Notice that small business bonuses are on average even higher than those on consumer cards.

Note: Certain Chase cards have a “5/24 rule” which is an unofficial rule that they will automatically deny approval on new credit cards if you have 5 or more new credit cards on your credit report within the past 2 years. This rule applies on a per-person basis, so if you are new, you might want to start with those Chase cards.

Chase Ink Business Preferred Card

80,000 Ultimate Rewards points (worth $1,000 towards travel!) after $5,000 in purchases in the first 3 months. See link for details.
3X points on the first $150,000 spent on travel, shipping purchases, internet/cable/phone services, and advertising purchases with social media sites and search engines.
Primary rental car coverage when renting for business purposes.
$95 annual fee.
Subject to 5/24 rule.

United Explorer Business Card

75,000 United miles after $5,000 in purchases in the first 3 months. See link for details.
Free first checked bag for both you and a companion (a savings of up to $120 per roundtrip).
Expanded award availability. Having this card makes it easier to redeem for that saver award economy ticket.
Primary rental car coverage when renting for business purposes.
$0 annual fee for the first year, then $95.
Subject to 5/24 rule.

Chase Ink Business Unlimited Card

$500 bonus cash back after $3,000 in purchases in the first 3 months. See link for details.
Flat 1.5{01de1f41f0433b1b992b12aafb3b1fe281a5c9ee7cd5232385403e933e277ce6} cash back on all purchases with no limit.
No annual fee.
Subject to 5/24 rule.

Chase Ink Business Cash Card

$500 bonus cash back after $3,000 in purchases in the first 3 months. See link for details.
5{01de1f41f0433b1b992b12aafb3b1fe281a5c9ee7cd5232385403e933e277ce6} cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year.
No annual fee.
Subject to 5/24 rule.

Marriott Bonvoy Business American Express Card

100,000 bonus points after $5,000 in purchases in the first 3 months. See link for details.
Points can be used towards Marriott (and former Starwood) hotel stays, or converted to select airlines miles.
Annual fee is $125 (if applied for the card before 3/27/2019, the annual fee for the first year is waived, then $95). Free night award upon card anniversary (worth up to 35,000 Bonvoy points).

Capital One Spark Cash for Business Card

$500 cash bonus after $4,500 in purchases in the first 3 months. See link for details.
Flat 2{01de1f41f0433b1b992b12aafb3b1fe281a5c9ee7cd5232385403e933e277ce6} cash back on all purchases with no limit.
$0 annual fee for the first year, then $95.

Capital One Spark Miles for Business Card

50,000 bonus miles after $4,500 in purchases in the first 3 months. 50,000 miles is redeemable for $500 towards travel. See link for details.
Flat 2X miles per dollar on all purchases with no limit.
$0 annual fee for the first year, then $95.

Southwest Rapid Rewards Premier Business Card

60,000 Rapid Rewards points (redeemable for $900+ in Wanna Getaway airfare) after $3,000 in purchases in the first 3 months. See link for details.
$99 annual fee.
Combine with the Southwest Rapid Rewards Premier Consumer Card to earn the Southwest Companion Pass.
Subject to 5/24 rule.

American Express Plum Card

$600 cash back. Earn a $200 statement credit after each $10,000 you spend in purchases, up to $30,000, within the first 3 months. See link for details.
1.5{01de1f41f0433b1b992b12aafb3b1fe281a5c9ee7cd5232385403e933e277ce6} early pay discount on all purchases which stacks on top of the bonus above.
$0 annual fee for the first year, then $250.

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard

70,000 American Airlines miles after $4,000 in purchases in the first 4 months. See link for details.
First checked bag free on domestic flights perk ($60 value per roundtrip, per person).
$0 annual fee for the first year, then $99.

Hawaiian Airlines Business Mastercard (Barclaycard)

60,000 Hawaiian miles after $1,000 in purchases with the first 90 days. See link for details.
One-time 50{01de1f41f0433b1b992b12aafb3b1fe281a5c9ee7cd5232385403e933e277ce6} off companion discount for roundtrip coach travel between Hawaii and the Mainland on Hawaiian Airlines.
$99 annual fee.

Alaska Airlines Visa Business Card (Bank of America)

30,000 Alaska miles + BOGO Companion Fare Voucher after $1,000 in purchase within 90 days. See link for details.
Companion fare voucher is “Buy one ticket, get one for just taxes and fees” ($0 fare plus taxes and fees from just $22).
Free checked bag on Alaska flights for you and up to six other passengers on the same reservation.
$50 annual fee for company, plus $25 per card.

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Top 10 Best Small Business Credit Card Bonus Offers – February 2019 from My Money Blog.