Update: One or more card offers in this post are no longer available. Check our Hot Deals for the latest offers.
Now that the Chase Ink Plus card has a limited time offer for 70,000 Chase Ultimate Rewards points, it is clearly one of the best business credit cards available.
Note: The Chase Ink Plus 70,000 point bonus offer ends on October 19, 2014.
But there are many other great business cards that will get you travel rewards and cash back on your business purchases. Many business credit cards have large sign-up bonuses of 50,000 miles or points, so I’ve compiled a list of them!
How to Qualify for Business Cards
Some folks think you have to be incorporated to get a business card. But you can get cards if you’re small business with only 1 employee!
You can also get business credit cards for a business you’re starting. You should always be truthful when filling out a business credit card application.
Business cards have less impact on your personal credit score because the business card credit line and spending are usually NOT reported to the personal credit bureaus, unless you don’t pay your bills.
As always, be sure to read the 5 dangers of applying for credit cards.
Top 5 Business Cards
Link: Business Cards
Here are my 5 favorite business cards…
Some of these cards are issued by different banks, so you may be able to get them at the same time.
1. Chase Ink Bold and Chase Ink Plus Cards
Link: Chase Ink Plus
Link: Chase Ink Bold
For a limited time, you can get 70,000 Chase Ultimate Rewards points after spending $5,000 in the 1st 3 months on the Chase Ink Plus card. The $95 annual fee is NOT waived for the 1st year.
You can get 50,000 Chase Ultimate Rewards points with the Chase Ink Bold after you spend $5,000 in the 1st 3 months. The $95 annual fee is waived for the 1st year. However, the Chase Ink Bold is only available on the Chase website for a limited time, and may not be available for much longer.
These are my favorite business cards because you get great category spending bonuses, especially if you’re a Big Spender:
- Earn 5X Chase Ultimate Rewards points per $1 spent at office supply stores, and on cable, internet, and wireless purchases
- Earn 2X Chase Ultimate Rewards points per $1 spent at gas stations and hotels (booked with the hotel)
- NO foreign transaction fees
You can get $875 when you book travel through the Chase Ultimate Rewards Mall. But I like transferring my points to airline and hotel partners.
|Chase Ultimate Rewards Airline Transfer Partners|
|Aer Lingus||British Airways||Flying Blue (Air France/KLM)|
|Iberia||Korean Air||Singapore Airlines|
|Southwest||United Airlines||Virgin Atlantic|
|Chase Ultimate Rewards Hotel Transfer Partners|
Emily and I love transferring our Chase Ultimate Rewards points to Hyatt. 50,000 Chase Ultimate Rewards points gets you 2 nights in a category 6 Hyatt hotel, like the Grand Hyatt Kauai or the Park Hyatt Maldives for rooms that cost $500 or more per night!
You can also transfer them to United Airlines for international flights to places like India. Or you could transfer Chase Ultimate Rewards points to British Airways Avios for short distance domestic flights if you don’t have a Southwest Companion Pass.
The Chase Ink Bold is a charge card so you have to pay your balance in full every month. Because the Chase Ink Plus is a credit card, you can carry a balance.
2. CitiBusiness AAdvantage World Mastercard
You get 50,000 American Airlines miles from the CitiBusiness AAdvantage World Mastercard after you spend $3,000 in the 1st 3 months. The $95 annual fee is waived for the 1st year.
You also get:
- Free checked bag
- Preferred boarding
- $99 coach companion certificate (when you spend $30,000 or more on the card in a year)
50,000 American miles can get you 2 round-trip coach seats in the US (excluding Hawaii), or a 1-way Business Class ticket to Europe.
But the Starwood Business card (#3) is a better way to earn American Airlines miles!
3. Starwood Preferred Guest Business Credit Card From American Express
You can get 25,000 Starwood points from the Starwood Preferred Guest Business Credit Card From American Express after spending $5,000 in the 1st 6 months. You can use Starwood points for hotel nights or airline tickets.
Note: As stated above, this card is the exception to this list because it is NOT a 50,000 point business card. However, you can also apply for the 25,000 point Starwood Preferred Guest Personal Credit Card From American Express at the same time.
- 2 Starwood points per $1 spent at Starwood hotels
- 1 Starwood point per $1 spent on everything else
- $65 annual fee (waived the 1st year)
- Terms and conditions apply
You can transfer Starwood hotel points to 31 airlines, including American Airlines:
|Starwood Preferred Guest Airline Transfer Partners|
|Air China||Air New Zealand||Alaska Airlines|
|Asia Miles (Cathay Pacific)||Asiana Airlines||British Airways|
|Etihad||Flying Blue||Gol Smiles|
|Hainan Airlines||Hawaiian Airlines||Iberia|
|Japan Airlines||Jet Airways||Korean Airlines|
|LifeMiles (Avianca)||Miles & More (Lufthansa)||Qatar Airways|
|Saudi Arabian Airlines||Singapore Airlines||Thai Airways|
|topbonus loyalty||United Airlines||Virgin Atlantic|
You get a bonus of 5,000 airline miles for every 20,000 Starwood points you transfer.
So you’re earning 1.25 American Airlines miles for every $1 you spend (if you transfer 20,000 Starwood points to American Airlines).
Note: You will pay foreign transaction fees with the Starwood business card, so you shouldn’t use it outside the US. Instead use cards that don’t charge foreign transaction fees such as Chase Ink Bold or Chase Ink Plus cards.
4. US Bank Club Carlson Business Rewards Card
You get 85,000 Club Carlson points after spending $2,500 in the 1st 3 months on the US Bank Club Carlson Business Rewards card. The $60 annual fee is NOT waived for the 1st year.
You can use Club Carlson points at Club Carlson hotels such as:
You’ll also get:
- Free bonus award night when using Club Carlson points for a stay of 2 or more nights
- Free Club Carlson Gold elite status (upgrades and late check-out) or 15 night credit towards towards Concierge status if you are already a Gold elite member
- 40,000 points on your card anniversary.
- 10 Club Carlson points per $1 spent at Club Carlson hotels
- 5 Club Carlson points per $1 spent on everything else
You get a free award night when you redeem an award night for stays of 2 nights or longer at the same hotel. This means that if you’re staying 2 nights, you get one night “free” by only paying points for the first night.
Note: US Bank tends to deny applications from folks who have a lot of recent credit inquiries. So you should apply for this card 1st before you apply for other business cards.
5. Southwest Premier Business Credit Card
Link: Southwest Premier Business Credit Card
This Chase business card is currently offering 50,000 Southwest points after spending $2,000 within the 1st 3 months. This is a great way to earn your Southwest Companion Pass for nearly free travel!
Note: This is NOT my link but I’ll always tell you about the best offers, even when I don’t earn a commission!
This offer expires November 8, 2014.
The $99 annual fee is NOT waived the 1st year.
Here is my full review of the card.
The application page does not state the offer terms so some folks might not be comfortable using it. So instead you can call 800-278-4370 and ask for the 50,000 point offer for the Southwest Premier Business Card.
Currently with a 70,000 Chase Ultimate Rewards points bonus, the Chase Ink Plus card is #1 on my top 5 business card list.
But there are several other cards that offer 50,000 or more miles and points! Included in my top 5 business card list with the Chase Ink Plus are the Chase Ink Bold, the CitiBusiness AAdvantage World Mastercard, Starwood Preferred Guest business card, the US Bank Club Carlson Business Rewards, and Southwest Premier Business Card card.
You can qualify for a business card even if your business is new.
Your personal credit score won’t be impacted by business cards because the business card credit line and spending are usually NOT reported to the personal credit bureaus (unless you don’t pay your bills).