Small Business Credit Cards

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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.

Bank Points Business Credit Cards

Airline Business Credit Cards

Hotel Business Credit Cards

1.   Bank Point Small Business Credit Cards

Daraius’ Tip:   My detailed review of the Chase Ink Plus®

Daraius’ Tip:   My detailed review of the Chase Ink Bold®  Read my post “3 ways you may qualify for a business” here.


2.   Airline Small 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

 American Express Delta Platinum   – Not Currently Available

American Express Delta Reserve Credit Card – up to 30,000 Delta Miles

Delta Reserve American Express

  • 10,000 medallion (elite) miles after 1st purchase
  • First checked bag is free; free Delta lounge access
  • $450 fee NOT waived for first year2.7% 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.


3.   Hotel Small Business Credit Cards

US Bank Club Carlson Business Rewards –  85,000 Points

Club Carlson Business Rewards

  • 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 year3% 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.

Editorial Disclaimer: Neither the responses below nor the editorial content on this page are provided or commissioned by the bank advertisers, and have not been reviewed, approved or otherwise endorsed by the bank advertisers. Opinions expressed here are the author’s alone, not those of the bank advertisers. It is not the bank advertisers’ responsibility to ensure all posts and/or questions are answered.

121 responses to “Small Business Credit Cards

  1. @WJ – I’d wait and spend money on existing cards and pay them back and then reapply in a few months. Good luck!

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  7. B Michaels

    I recently got approved for 1 Barclays card & 2 Chase cards (Explorer & Club Card) about one month ago. I’ve already hit the max $ usage to earn reward points and plan to slow my use of these cards.

    Do you suggest I cancel these cards once I use my reward points ?

    I don’t have any Business cards, so I’m thinking about applying for a few now. The only bus cc I’ve had in the past was the 50,000 points I earned from Citibank AA, which was cancelled over 1 year ago.

    Would it be a good idea to apply for mutiple business cards at the same time?

    My thought was applying for Southwest Business, Bold Charge card, plus the personal Southwest.

    What would you do?

  8. @B Michaels – I wouldn’t apply for more than 1 business card and 1 personal card from Chase at a time.

  9. Darius,
    Does the Citi AA Business card get 10% of your redeemed AAdvantage® miles back – up to 10,000 AAdvantage® miles each calendar year ? i know the personal card does.


  10. I just applied for a few cards including BOA Alaska business. I also applied for Chase United (witht he 50K) offer. Chase was instant. BOA Alaska I did because I have the personal card already. I have been a long time excellent customer with BOA and never an issue whatsoever. I had a phone call with questions from BOA that asked questions about my business that I have never encountered. We have been in business 30+ yrs and very established. I should also say that I do have alot of overall (card) product but high scores as well.

  11. @Mabel – It doesn’t.

    @ robertw – Thanks for the update.

  12. Hello Darius,
    Do you know of any current Southwest Airlines 50,000 Business card offers?

  13. @Thomas K – Check out the Hot Deals tab!

  14. Does anyone have any Data points on the following. Previously with my main business I had the Reserve business card. I did not renew after the first yr. I have the personal reserve card. I could really use the MQMs from this card for 2015. Anyway could I apply for the business card using my home address, or is this pushing my luck with Amex? Getting the bonus 10 MQMs is key because I could get 40 MQM this year. I already have several other Amex products both personal and business.

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  16. Hello,

    Just wanted to let you know I signed up for the Chase United 30k business offer, called twice to try and upgrade my sign-on bonus and was told I couldn’t. I sent a secure message to them asking for 50k and not providing any screenshots. They said when I hit the sign-on bonus to call and they will upgrade me to 50k. So easy!

  17. Yay! Just used your link to sign up for the Citibusiness advantage world MC. I had to call and give more info, but was approved over the phone. So excited as I was getting low on AA miles.

  18. @Bryan – Chase has the best customer service!

    @ Jonelle – Congrats!

  19. I have the Chase Ink Business card — love it. I just received an invitation in the mail for the Chase Ink Business Plus card — is this a different product? If not, I’m not sure why they’d be inviting me to apply for a card I already have…the business name (my personal consulting business) that it was mailed to matches EXACTLY with the business name on the card I have.

  20. Hi Darius,
    I’ve had a Capital One Spark Business card for many years, and get 2 points per dollar spent. I use this card frequently. I just got a letter telling me to provide my EIN for this business account by sending a copy of my IRS confirmation letter tor he the most recent year’s tax return for my business. I have neither. If they don’t get these documents by Dec 1, they’ll restrict my account; and if they don’t hear from me by Dec 15th, they’ll close it.

    Do you have any ideas about how I might respond?

    Many thanks,

    Mary S

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