I keep the information on this page updated, but please double check the credit card applications for details about terms and conditions of the offers. Please let me know if you find a better offer so that I can list it here!
Here are 40+ ways to complete the minimum spending on credit cards if you are concerned about completing the minimum spending requirements.
Disclosure: I get a referral if you apply for some of these cards, but I always list the highest available bonus below. If you find something better, I want to know about it!
Bank Points Business Credit Cards
1. Bank Point Business Credit Cards
CHASE INK PLUS®
- Up to June 22, 2013: 60,000 points after spending $5,000 within 3 months with the Chase Ink Plus®
- Points can be transferred to United Airlines, Virgin Atlantic, British Airways, Hyatt, Marriott, Priority Club, Ritz Carlton, Korean Air, Southwest, and Amtrak at a 1:1 ratio.
- $800 – $2,000+ value if transferred to airline or hotel partners; $750 value if used for travel; $600 value if used for gift cards
- Earn 1 Ultimate Rewards points per $1 spent
- $95 annual fee waived for 1st year; NO foreign transaction fee
- My detailed review of the Chase Ink Plus®
Daraius’ Tip: Don’t think you have a business? Read my post “3 ways you may qualify for a business” here. And here’s how to ace your business reconsideration call.
CHASE INK BOLD® Charge card
- Up to June 22, 2013: 60,000 points after spending $5,000 within 3 months with the Chase Ink Bold®
- Points can be transferred to United Airlines, Virgin Atlantic, British Airways, Hyatt, Marriott, Priority Club, Ritz Carlton, Korean Air, Southwest and Amtrak at a 1:1 ratio.
- $800 – $2,000 value if transferred to airline or hotel partners; $750 value if used for travel; $600 value if used for gift cards
- Earn 1 Ultimate Rewards points per $1 spent; 2X on hotels and gas, and 5x on office supply stores and telecom
- $95 annual fee waived for 1st year; NO foreign transaction fee. My detailed review of the Chase Ink Bold®
Daraius’ Tip: Don’t think you have a business? Read my post “3 ways you may qualify for a business” here. And here’s how to ace your business reconsideration call.
CHASE INK CASH®
- Up to June 22, 2013: Earn 25,000 Ultimate Rewards points after spending $3,000 within the 1st 3 months on the Chase Ink Cash® Credit Card
- $250 value if redeemed for gift cards
- Points can NOT be transferred by themselves to air and hotel partners. However, if you have a Chase Sapphire Preferred®, Chase Ink Bold® or a Chase Ink Plus® card you can combine points from this card and transfer them to air and hotel partners (United Airlines, Virgin Atlantic, British Airways, Hyatt, Marriott, Priority Club, Ritz-Carlton, Korean Air, Southwest and Amtrak) at a 1:1 ratio
- Earn 1 Ultimate Rewards points per $1 spent; 2x on restaurants and gas, and 5x on office supply stores and telecom
- $0 annual fee; 3% foreign transaction fee
INK CLASSIC
- Earn 2 Ultimate Rewards points on gas & hotels; 5x on office supply stores and telecom; & 1 point per $1 for everything else on the Chase Ink Classic
- Up to June 22, 2013: 25,000 points after spending $3,000 within 3 months
- Points can NOT be transferred by themselves to air and hotel partners. However, if you have a Chase Sapphire Preferred, Chase Ink Bold or a Chase Ink Plus card you can combine points from this card and transfer them to air and hotel partners (United Airlines, Virgin Atlantic, British Airways, Hyatt, Marriott, Priority Club, Ritz-Carlton, Korean Air, Southwest and Amtrak) at a 1:1 ratio.
- No Annual fee; 3% foreign transaction fee
CITI THANK YOU® BUSINESS – 15,000 THANK YOU POINTS
- 15,000 points after spending $3,000 within 3 months with the Citi Business Thank You® Points card
- Redeem points for 1 cent per point towards travel or gift cards ($500 value), or 1.33 cents towards airfare ($665 value) if you have the Citi Thank You Preferred
- Earn 3 Thank You ® points points for every dollar you spend on eligible purchases in rotating business categories
- NO annual fee; 3% foreign transaction fee
The Business Platinum Card® from American Express OPEN
- Limited Time Offer: Get 25,000 Membership Rewards® points after you spend $5,000 in the first three months of Card membership
- Enroll and select a qualifying airline to receive up to $200 annually in statement credits for incidental fees, such as checked bags and in-flight refreshments, charged by the airline
- 20% Travel Bonus when using Membership Rewards® Pay with Points
- Take advantage of 40 premium benefits to help power your business
- Complimentary access to 600+ participating airport lounges through Priority Pass™ Select
- Business Platinum Concierge is like your own assistant, ready to help you with just about anything personal or professional, 24 hours a day
- Purchasing power that can adjust as your business evolves
- Terms & Restrictions Apply*
THE BUSINESS GOLD REWARDS CARD® FROM AMERICAN EXPRESS OPEN
Limited Time Offer: Earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card in the first 3 months of Card membership†.
- Earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card in the first 3 months of Card membership†.
- Earn points even faster to get more rewards for your business.
- 3X points on airfare purchased from airlines. 2X points at US gas stations.
- Up to $100,000 in each category per year, then 1 point.
- Terms and limitations apply.
- Reduce travel costs, show appreciation for employees and clients, and offset everyday expenses by using points to get something back and grow your business.
- $0 introductory annual fee for the first year, then $175.
- †Apply online to qualify for this offer. See offer terms for details.
Daraius’ Tip: The usual offer for this card is zero points, so this is a good offer.
US BANK FLEX PERKS TRAVEL REWARD CARD - 15,000 FLEX PERKS
- 17,500 Flex Perks after spending $2500 within the 1st 150 days on the US Bank Flex Perks Travel Reward Business credit card
- $49 annual fee waived for 1st year; 2% foreign transaction fee
- You need 20,000 points for up to $400 in ticket value
- Earn 3x points for charitable contributions; 2X points on your highest category spending on either gas, groceries or air travel; 2x for telecom (cell phone, internet etc.); 1X points on everything else
- Tip: US Bank appears to deny applications which have lots of recent credit inquiries
2. Airline Business Credit Cards
BANK OF AMERICA ALASKA AIR VISA – 25,000 BONUS MILES
- 25,000 bonus miles after approval on the Bank of America Alaska Airlines Business card
- $75 annual fee NOT waived for the first year; 3% foreign transaction fee
- $99 companion certificate valid only in coach
- Alaska Air miles can be used on partner airlines such as American, British Airways, Cathay Pacific, Delta, Air France, LAN, etc.
- Warning: Bank of America may issue you a lower platinum plus or preferred card, if you don’t qualify for the Signature card, which offers only 6,000 or 4,000 miles!
- Tip: The highest bonus offer on this card was 40,000 miles, but I’ve heard that you may be able to get a new card every 3 to 4 months
- Note: The Alaska Air Personal card offers a higher sign-up bonus
BANK OF AMERICA HAWAIIAN AIRLINES
- 35,000 bonus Hawaiian Airlines miles after 1st purchase with Bank of America Hawaiian Airline card.
- Hawaiian Airline points transfer to Hilton in 1:2 ratio, so 35,000 Hawaiian Airline miles becomes 70,000 Hilton Honors points
- $75 fee NOT waived for first year; 3% foreign transaction fee
CITI American Airlines
- 40,000 AAdvantage miles when you spend $3,000 within 3 months on the Citi Business MasterCard
- This is NOT my referral link, so YMMV (Your miles may vary)
- $95 annual fee is waived for the first year; 3% foreign transaction fee
- 1 free checked bag, priority boarding, and get 10% of miles redeemed back (up to 10,000 miles per year)
- Link to FlyerTalk thread with different versions of the offer
Gold Delta SkyMiles® Business Credit Card from American Express
- Get 30,000 bonus miles after you spend $500 in purchases on the Card within your first 3 months of Cardmembership.
- You can check your first bag for free and save up to $50 on a round-trip Delta flight.
- 2x miles for each dollar spent on qualifying Delta purchases and 1x mile for each dollar spent on other eligible purchases.
- Priority Boarding and 20% In-Flight Savings in the form of a statement credit on eligible purchases.
- $0 introductory annual fee for the first year, then $95.
- Terms and restrictions apply
AMERICAN EXPRESS DELTA PLATINUM – UP TO 35,000 DELTA MILES
- 25,000 bonus miles (5,000 are elite qualifying miles) after 1st purchase and an additional 10,000 miles (5,000 are elite qualifying miles) after spending $2,000 within 3 months
- First checked bag is free
- $150 fee NOT waived for first year; 2.7% foreign transaction fee
- Earn 2 Delta miles per $1 spent on Delta & 1 mile for everything else
- Earn 10,000 elite miles after spending $25,000 and an additional 10,000 after spending $50,000 in a calendar year
- Tip: I would not apply for a card with less than a 40,000 mile sign-up bonus in the current environment of large sign-on bonuses. The high annual fee also does not make this an attractive card unless you are a big spender in search of elite qualifying miles.
AMERICAN EXPRESS DELTA RESERVE CREDIT CARD – UP TO 30,000 DELTA MILES
- 10,000 medallion (elite) miles after 1st purchase
- First checked bag is free; free Delta lounge access
- $450 fee NOT waived for first year; 2.7% foreign transaction fee
- Earn 2 Delta miles per $1 spent on Delta & 1 mile for everything else
- Earn 15,000 regular & elite miles after spending $30,000 and an additional 15,000 regular & elite miles after spending another $30,000 in a calendar year
- Tip: This card could be worth the high fee if you’re looking for Delta club access and medallion (elite) qualifying miles. Otherwise, skip it.
CHASE SOUTHWEST RAPID REWARDS PLUS
My thoughts on the Southwest Plus card:
Sign-Up Bonus: 50,000 bonus points after spending $2,000 within 3 months with the Chase Southwest Rapid Rewards Plus (Personal) & Chase Southwest Rapid Rewards Plus (Business)
Fees: $69 annual fee NOT waived for the first year; 3% foreign transaction fee
Anniversary Bonus: 3,000 point bonus on card anniversary
Daraius’ Tip: The Southwest Companion Pass is one of the best travel perks available!
CHASE SOUTHWEST RAPID REWARDS PREMIER
My thoughts on the Southwest Premier Card:
Sign-Up Bonus: 25,000 bonus points after spending $1,000 within 3 months with the Chase Southwest Rapid Rewards Premier (Personal) & Chase Southwest Rapid Rewards Premier (Business) credit card.
Fees: $99 annual fee NOT waived for the first year; NO foreign transaction fee
Anniversary Bonus: 6,000 point bonus on card anniversary
Daraius’ Tip: The Southwest Companion Pass is one of the best travel perks available!
CHASE UNITED EXPLORER
My thoughts on the United Explorer Card:
Sign-Up Bonus: 30,000 United miles with the Chase United Explorer Business card after spending $1,000 within 3 months. I got a targeted offer for 50,000 miles after spending $2,000 within 3 months. See this post for details on how to see targeted offers.
Fees: $95 annual fee waived for the first year; No foreign transaction fee
Anniversary Bonus: 2 free United club passes a year (~2 months after opening card)
Spending Bonus: 10,000 additional United miles after spending $25,000 within a calendar year
Other Perks: 1 free checked bag ($50 value) & priority boarding
CHASE UNITED CLUB CARD
My thoughts on the United Club Card:
Sign-Up Bonus: Free United Club lounge access & 1.5 United miles per $1 spent with the United Club Business card
Card Holder Perks: Free Premier Access (priority boarding, security, etc.), Free Hyatt Platinum status (free internet), & 2 free checked bags
Fees: $395 annual fee + $95 statement credit; NO foreign transaction fee
BARCLAY’S US AIRWAYS CREDIT CARD – 25,000 MILES
- Earn 25,000 US Air miles after 1st purchase with the Barclays US Air Business card
- $79 annual fee NOT waived for the first year; 3% foreign transaction fee
- 1 free US Air Club pass
- 5,000 mile discount when you redeem for US Air award travel
- Note: The US Air Personal credit card offers a higher 40,000 mile sign-up bonus with the 1st year fee waived
3. Hotel Business Credit Cards
CHASE MARRIOTT REWARDS
My thoughts on the Chase Marriott Card:
Sign-Up Bonus: 30,000 bonus points with the Chase Marriott business card after spending $1,000 within 3 months. 2 free night in any category 1 to 4 Marriott on card approval
Fees: $45 annual fee waived for 1st year; 3% foreign transaction fee
Anniversary Bonus: 10 nights credit toward elite status every year on account anniversary
Spending Bonus: 1 night elite credit for every $3,000 spent. Earn 3 Marriott points per $1 spent at Marriott & 1 point per $1 for everything else
sTARWOOD PREFERRED GUEST® BUSINESS CREDIT CARD FROM AMERICAN EXPRESS
- Earn up to 25,000 Starpoints® – Receive 10,000 Starpoints after your first purchase, and another 15,000 bonus Starpoints when you spend $5,000 in 6 months – enough for up to 6 free nights at a Category 1 or 2 hotel.
- Get 1 Starpoint® for every dollar of eligible purchases
- Redeem Starpoints at over 1,000 hotels and resorts in nearly 100 countries, and for flights on more than 350 airlines through SPG Flights. No blackout dates.
- $0 introductory annual fee for the first year, then $65
- Terms & Restrictions Apply
US BANK CLUB CARLSON business rewards - 85,000 points
- 50,000 bonus points after 1st purchase and another 35,000 points after spending $2,500 within 3 months on the US Bank Club Carlson Business Rewards
- 1 free award night when you redeem points for 2 or more consecutive award nights at the same hotel
- Free Club Carlson Gold elite status for as long as you have the card or 15 night credit towards towards Concierge status if you are already a gold elite member
- $60 annual fee not waived for 1st year; 3% foreign transaction fee
- 40,000 points for renewing your card each year
- Earn 10 Club Carlson points per $1 spent at Club Carlson hotels & 5 points for everything else
Missing your favorite offer? Please let me know!
Disclaimer: This content is not provided or commissioned by American Express. Opinions expressed here are author’s alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through American Express Affiliate Program.
I have earned and redeemed millions of airline miles and hotel points to travel the world for free. Now I'm blogging to help more people do the same! 
Hi there,
I read about certain targeted offers circling around and was wondering if I should wait it out to apply for this card? The main reason of getting this card would be to use it for my business purchases, and also earn 5x points on virtually anything.
Please advise.
Thanks!
Nat T
@Nat T – I haven’t heard of better offers on the Chase Ink Bold, but 50K along with the potential to earn 5X on everything else makes this a great card.
I would like to apply for Chase Ink Bold and a Chase BA card. I have had some difficulty in the past with Chase due to the number of cards which I have. Since the Ink is a business card, does the application go to a different department?
@david sugar - The 100K offer for the Chase BA card has expired. Business cards are reviewed by a different department and you can always call the reconsideration line to get approved.
Darius, I have just activated the Chase Business Bold Ink (Mastercard). I have been reading about how to purchase reloadable cards from Office Depot but they talk about American Express Cards. Can I do this using the Mastercard version?
@Juli - They talk about buying prepaid AMEX cards with a Chase MasterCard
Hi Darius,
Currently I have 4 Chase personal CC: Amazon since 11/2010, Sapphire Preferred since 9/2011, CO/United since 03/2012 and Southwest Premier since 5/2012. I really, really want two business cards from them: Southwest Business so I can hit the companion pass, and Ink (Classic or Bold) for 5X points at the office supplies stores. Can I apply for both at the same time or space them out like 3 months apart? Thanks
I just want to take you Darius for all of the invaluable information that you provide on this site. Thanks to you our family will now be able to fly free of charge for almost 16 months due to the southwest companion pass. My wife and I were both approved for the personal and business versions of the card with the 50k bonus. We then converted our marriott points to southwest miles in order to top off the 110k requirement!
do you think this is a good offer?
https://www262.americanexpress.com/business-card-application/business-platinum-charge-card/apply/24870-168-0-3E8E61CB89396C25B4C274990EA357A6F630B68437904BAA-20009
@liw5215 – I answered your question on the other thread.
@Artemio – Congrats and thanks for sharing! Safe travels.
@sami – It is a good offer, but you can get 50K on the Mercedes Benz Platinum for a lower minimum spending. Make sure that you were targeted for the offer, because otherwise American Express may not honor it.
I received a targeted offer for the AMEX Gold, 50k pts after 1k in spending. It appeals to me because it’s not the 10k in spending offer (for 25k fewer points).
Now I have a dilemma. To apply for the Gold card, or SPG biz AMEX (which was my plan), or both….
Already have 3 personal AMEX cards.
Thoughts? I’m new to the biz card arena. Don’t really want to get hit with a FR.
but this one you could do on a few buisniss name. it’s is not targedet i know a few pepole that got the points from this offer. i did 2bm on this card for 2 buisniss got approved and got the points as well. good luck
@Steve – The Gold sounds more interesting if you’re applying for only one because you save $9K in spending which you can use towards the bonus of another card.
@sami – Nice to know!
well, it’s for an AOR. I’m planning on a bunch of cards (Chase SP, USBank Flex, and figuring out about 3 or so). Just trying to decide if I should do one or two biz AMEX (1 charge one credit), having 3 personal credit and 0 biz amex cards. Both SPG and AMEX Gold expire 9/4, so I’m looking at a week or so to decide on the final lineup.
https://www262.americanexpress.com/business-card-application/business-platinum-charge-card/apply/24870-168-0-3E8E61CB89396C25B4C274990EA357A6F630B68437904BAA-20009
thanks approvel was very easy.
@Steve – The FR isn’t so bad if you give them what they ask for, but not everyone is comfortable sharing their tax returns. If you want to minimize the risk, perhaps 1 AMEX biz card is the way to go.
Thanks D, I was reading up on FR, and it doesn’t seem like a big deal to me. I have a need in the next year for more SPG pts and MR pts, so I may submit both apps, and make sure I use my exact 2011 1040 income rather than rounding up/down by 5k like I usually do.
I appreciate the advice/feedback.
@Steve - You should be fine if you enter the exact 1040 income, and I always look at sharing tax returns as the “cost of business” for this hobby!
Good way to think about it!
Does anyone have the link for the Marriott Business card with the $75 statement credit. I can find the personal card link with the credit, but not the business card.
I just applied for Chase Sapphire and Chase Marriott personal cards. My approval is pending- can i sign up for the Chase business card for United or will that throw up a red flag? I am new to this, but Chase seems like the only good cards out there!
Hey D, thanks for all the great info here. I’ve just got 2 bus cards from Citi & Chase. One question – might be just my being over-conscious. Do you think they will check what you buy with the bus cards? like some gold coins, clothing…things not related to your bus. but we can say its a gift right?
also, mortgage payments thru Chargesmart…
@JOE – I’d wait a bit before applying for a Chase business card.
@David – I’ve bought personal items with a business credit card, but as always, your miles may vary.
I have the us airways personal account with the 40,000 sign up bonus. I am looking to open some business accounts to get more miles. the Us airways business card only offers 25,000 sign up bonus. Do you think this is a good one to get, or should I wait and see if the sign up bonus gets higher. Also, with barclays bank do you only get the sign up bonus once per card like chase cards?
Thanks,
AK
@Anah – I don’t think 25K is a good sign-up bonus, but I don’t know if it will increase. Some folks have managed to get the bonus for a 2nd time with Barclays, but they appear to be tightening up.
looks like the chase ink plus link is Dead
Just an FYI. Barclays Business Card is no longer giving 10,000 bonus miles each anniversary like the personal card. I believe when I signed up for the card the link still said that, but when I called to verify the details on the business card it is now only 1 annual club pass each anniversary and if you spend 25,000 you get 10,000 miles converted to elite status. I checked your link to the business card application and it now states the new benefits. i did get the 25,000 sign up bonus!!!
I called AMEX about the gold reward card and what you can do with the reward points. I only have starwood and am not educated on how I can use the rewards points from other cards. They said that I can transfer them to my starwood account but not the other way around. They said the transfer rate is 1 to 1. Do you know if this is true? If so I can transfer 50,000 reward points to starwood account then transfer from starwood to an airline like american with an xtra 5,000 for each 20,000 transferred which would seem the best way to use the reward points. I could not find a post on this site which explained the best ways to use american express reward points.
thanks,
Anah
@E – It just worked for me.
@Anah – Thanks! I’ll update the US Air card description. I haven’t written much on AMEX MR points. You can’t transfer at 1:1 to Starwood – the ratio is 1K MR points for 333 Starwood points. I’d keep the points in your AMEX account until you needed to use them. You can redeem on Aeroplan or ANA for Star Alliance awards, transfer to British Airways for certain short distance flights and flights within the US. Or transfer to Virgin Atlantic and then to Hilton so that you get twice the amount of Hilton points.
Can I apply under my business name for credit cards that are not specified for businesses? If so, how do you advise filling out the app?
@sarah - I’m not sure I understand, but you can’t apply for a personal card with a business name. You have to use your personal name in the application.
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What are the chances a person would get approved the all of the following business cards at one time > Chase Ink Plus, Chase Ink Bold & Chase Southwest Plus Business ?
I now carry the Citi Visa Business card acquired 2/1/12, accumulated my 50k AA miles, and have no need to the card, since I carry the other 2 personal citi, + 3 other c.c.
Also, could a person get the same business card twice in attempts to double the 50k points ? I have a legitimate business with income. I just started selling on ebay, but haven’t sold much.
Thanks.
@stephen – It would be extremely hard. I’d do 2 Chase Business cards at a time( if you want to push it) and call the reconsideration line. Emily got the bonus on the Ink Bold for 2 separate businesses.
Just approved Citi TY Bus. Card. Used your link thanks.
Weird though when i saved app page as a pdf it changed to a 15,000 point and 15,000 pt bonus rather than the 25,000 and 25,000?
I Did this twice with same result.
So i took screenshots instead. 8 shots to cover the app page.
@e - That’s very strange and thanks for sharing (and using our links!)
I had the Marriott personal card and cancelled it 3 months ago. Can I apply for business card and get the sign-on bonus ?
@Nit – You should be able to get the bonus on the business version as well.
I’ve been churning alot of Business credit card apps lately and so far so good, except the USAIR Business MC is going to review my info; is there any place to find out my business’s credit score? Maybe by using our Tax ID number or is it totally by my own ss#. My business is a corporation. Thanks.
@Daruis,
is the Citi Business Visa 50K AA still working? I just applied for the card, but I need to call reconsideration.
What should I expect?
@Billy D - If you business is a corporation and has a Tax ID, it may have a separate business business score. That said, most banks will use your regular credit score to assess the business credit card since you personally guarantee the loan.
@Jason – The link still works to the best of my knowledge. They may ask you to send proof of your business when you call.
I got the citi business aa card 6 months ago. I missed meeting the minimum spend by 10 dollars due to a refund that I didnt take into account. I feel stupid! Can I apply for the citi business aa card again now, since I didnt actually recieve the signup bonus? Or do i have to wait the 18 months?
@Rob – With the business cards, you may be able to get them again 3 to 4 months after you cancel your last business card.
There’s an offer out there for the Amex Gold with 75K bonus and 10K spend in 4 months now, offer ends 1/28/13. Do you know if I can use my SS# to open a Amex Gold card, or do I need an EIN? Thanks!
@Steven – Thanks for the tip. You can use your Social Security number in place of the EIN as a sole proprietor.
Citi TYP and the Alaska biz offers seem to be dead.
I don’t see Marriott Business Card (30k points + 2 free nights) listed here.
@Samuel @Nit – Thanks! I’m updating the pages and they should be up to date by Sunday evening.
how many business credit cards could a person obtain at the same time?
do the banks or credit card companies all use the same credit bureaus ?
thanks.
@Kevin - It depends on your profile with the banks. They will almost certainly use your personal credit report when you apply.
Darius,
Can you get both the Southwest Plus personal and Southwest Plus business? Or does one of the cards have to be Premiere? I’m interested in getting the companion pass. So far, I already have the Southwest Plus personal. Thanks for any advice!
I had an issue with your bank of america hawaiian airline link above. Also, the landing page didn’t appear to be for a business card and looked identical to the page for the personal card I previously applied for. I was able to find the following link for a business card:
http://www.hawaiianairlines.com/HawaiianMiles/business-card
Also, reading the terms it says 35k after first purchase and not the two tiered bonus that the personal version offers.
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Any knowledge or experience of applying and getting the 50k points from the Ink Plus if already currently hold the Ink Bold? For same business. Will Chase honor both 50k bonues? And how long should wait if it matters? Great website!!!
Follow-up of my experience with the BoA HA link above: business card opens a new HA account and it can’t be merged/transferred to a preexisting individual account. This is what I was told by a representative and it makes sense I guess and I won’t call again to merge them as I have a minimal remainder in my personal account after transferring in 35k increments to HHonors. I may call to transfer these points to HHonors as well but I don’t need to just yet so that call will just have to wait. The card has a $50 company fee and a $25 per card fee, so $75 total, and I was awarded 35k miles after one purchase.
@Joe – Yes, you can get the bonus on both the Ink Plus and Ink Bold. Emily and I have both got those bonuses.
@Jon – Thanks for the update!
When you apply for the Gold Business Delta Amex card make sure you add to two additional cardholder with your application as you get 5,000 Skymiles for adding two people with your application. When Amex posts your 30,000 Skymiles after you spend $500 you will have to email Amex via secure message and inform them of the bonus and also send them the link as they are unaware of this bonus and then they will post it.
Here is the Delta link to send them to get the 5,000 Skymiles
http://skymilesoffers.delta.com/cc_business_gold_tc.php
@Billy D – Where did you find the link? Also, have you got the bonus for additional users?
I found the link from the Delta website under Skymiles; Earn Miles With Partners; Credit Card Partners; US Credit Cards; View Small Business Credit Cards;
scroll down to the very bottom of the Gold Amex and click on Terms and Restrictions Apply;
look under “Welcome Offer”
Yes, four days after I spent $500, the 30,000 Skymiles were posted to my Delta account; two days after I sent a secure email to American Express with the link explaining that I was entitled to the 5,000 miles since when I applied for the card, I requested that two additional cardholders be added to my account , the 5,000 additional Skymiles were posted to my Delta account. American Express is not aware of this so you have to go thru this process to get the 5,000 Skymiles
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I’ve had the SPG card for several years and was wondering if I cancel it and re-apply would I still qualify for the 25K signup bonus. Also, would there be any risk of losing the points I have in the account? If so I’d wait til this summer when my point total is close to zero.
@Billy D - Thanks for the update!
@mardigras89 - You have to wait at least 12 months from when you cancelled to get the bonus again, but you could get the personal card (if you have the business card and vice versa). You don’t lose the points if they are already in your Starwood account.
If I apply for a business card, do they look are my past credit card inquiries? Normally, when I apply for a personal card sometimes I get initially rejected and when I call the reconsideration line they see that I’ve had “several inquiries” in the last few months for credit card applications and ask me about that, but I use the usual excuse ‘separate expenses, blahblah’. Would the same thing happen if I apply for a business card? Would they ask why I have several inquiries in the past few months? Or since it’s a business card they won’t even care and just ask about the nature of my business??
Dairus do you know if you can hold more than one (of the same) business cards with Chase if I have a second business? I don’t know if this has been addressed before.
@Brandon – They pull your personal credit report, so they will see the recent inquiries (and could ask about them). But it helps to explain why you needed the other cards (align travel to cards, separate spending, etc.)
@robertw - Yes, you can have the Chase Ink Bold etc. for a personal business with a SSN and another business with a Tax ID (as of a few months ago). But AMEX and Citi don’t give you the bonus for a different business.
I opened a Citi Business card and a week or so later I got a welcome letter. Problem was that the last 4 digits of the account number noted on the letter did not match the last 4 digits of my Citi Business card. After freaking out thinking someone had opened an account in my name I called them. The long and short of it is that because this is a business account the account number is the master number for the business and does not match the credit card. Seems that if I were to have additional employees they would get credit card numbers under my master account number but that would be unique to them.
I haven’t noticed this topic – is this standard for all business cards? or just Citi Business?
The link above for the Delta Platinum Business gives the message “This card is no longer available.”. The personal link still works.
@Betty – I beleive this is just for Citi, since Chase and AMEX issue unique numbers for each additional business card.
@LF – Very strange. Thanks for letting me know. I’ll keep it up in the hope that it starts working before changing it.
Do you have a guide to business cards? I have a bunch of questions and I don’t see the answers!!
I run a few small businesses and am not incorporated for any of them. I use my own bank accounts for each as well.
What ‘proof’ of a business do you often get asked for? And is this often?
Can you apply for multiple business cards at once? What should be the limits on this? Is it easy to apply for these together with person cards? [I just did a Chase/Barclay/Amex/BOA churn for my wife and I]
Thanks, as always!!
@Erik – I don’t have a guide to business cards, but that’s a good idea for a post. Here’s a post on filling out the application for Chase business cards. Please let me know if you have other questions!
I already have a United flight to Maui booked for next March, using points. If I get business explorer card now, what are the chances of getting a free back by flashing my card come next March?
Also – do you know if they give an extra 5k for adding an authorized user on the business version of the explorer card.
@Mark – Depends on the agent’s mood! I don’t believe there is 5K for an additional user, but they do match to the 50K offer.
@Daraius/MMS – Citi AA business link is no longer working. What is next best link for this card?
Thanks for your informative blog.
@Mike - The link has died and I’m looking for a replacement link. The public offer is for 30K miles, but hopefully there is a better offer somewhere.
For the HA 35k business card, post on flyertalk seems to indicate that you may be given a separate HA FF # from your personal account, but you *may* be able to combine the miles (i.e. 15k from one personal account and 35k from another biz account) to book a flight. I don’t know if this is accurate. But this makes one think twice about churning this card since combining miles isn’t automatic.
I got the AA business Visa and did my spend, paid it off and promptly put it in the drawer. Then I get my statement today and I received a $100 statement credit that said it was a category spend bonus. I called Citibank to ask how I got it (as I would like to get it again) and she told me that it was a bonus for making an American Airlines purchase, that it was part of the sign-up and it was a one shot deal. I don’t recall seeing this in the promo information. Is this new? Am certainly happy to receive.
chase united explorer biz is now 50k. log into united.com and click on the add at bottom of login. then click on biz card. some people are preselected for the 50k.
@Betty – Certain AA cards had a promotion where you would get a statement credit for making American Airlines promotions.
@webazoid – Thanks for the tip!
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