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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
One of the big myths about business cards is that you have to be incorporated to get a business card. That’s not true! You can get cards as a sole proprietor (fancy way of saying that you’re a 1-person business), for a partnership, as well as if you have a LLC.
And you can get business credit cards for a start-up business, i.e for businesses which you are setting up.
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.
In general, the only impact to your credit score is the initial credit inquiry, because most business cards do not report your balance to credit bureaus unless you miss payments and don’t pay. Before you apply for any cards, be sure to read the 5 dangers of applying for credit cards.
1. Chase Ink Plus
Link: Chase Ink Plus
The Chase Ink Plus® is a credit card which allows you to carry a balance. But you should never carry a balance because you’ll pay more in interest than what the points are worth. Here’s a post on how to fill out a Chase business card application.
You get 50,000 Ultimate Rewards points signup bonus after you spend $5,000 in the first 3 months. 50,000 Ultimate Rewards can be turned into cash or transferred into airline miles or hotel points:
- Gift cards – $500 value
- Travel through the Ultimate Rewards Portal – $625 value
- Transfer to hotel and airline partners – $625 – $2,000+ value
Other benefits of the Chase Ink Plus include:
- 5X points at office supply stores so you could get 5x shopping at Amazon by buying Amazon gift cards from office supply stores.
- 5X points on cellular phone, landline, internet, and cable TV services.
- 2X points on gas and hotel purchases
- NO foreign transaction fees (great for international trips)
- $95 annual fee is waived for the first year
2. Chase Ink Bold
Link: Chase Ink Bold – NO LONGER AVAILABLE FOR NEW SIGN-UPS
The Chase Ink Bold® is a charge card which means that it comes without a set spending limit. But you must pay your balance in full each month, which you should always do.
There’s a 50,000 Ultimate Rewards point signup bonus after you spend $5,000 in the first 3 months. The Chase Ink Bold has all the same benefits as the Chase Ink Plus, including the ability to cash out Ultimate Rewards or transfer to airline miles or hotel points.
My favorite way to redeem 50,000 Ultimate Rewards points is to transfer them to Hyatt and get 2 nights in a category 6 Hyatt hotel such as the Park Hyatt in Paris, Tokyo, or the Maldives for rooms that cost $500 or more per night!
Or to transfer them to United for international flights. You could also transfer Ultimate Rewards points to British Airways Avios which are great for short distance flights within the US or transfer them to Southwest airlines for flights within the US.
3. Southwest Airlines Rapid Rewards Credit Cards
Link: Southwest Airlines Credit Cards
Up until October 31, 2013 you get 50,000 Southwest points after spending $2,000 in the first 3 months on all 4 types of Southwest credit cards. Southwest offers 2 types of business cards – the Premier and Personal business card.
50,000 points will get you $833 in free travel on Southwest if you redeem before March 31, 2014. Or $714 in free travel when you redeem points after March 31, 2014. More importantly – 50,000 points is almost half the 110,000 points you need to get the Southwest Companion Pass and travel free for almost two years!
And later you can get another Southwest card for another 50,000 points and eventually get the Companion Pass. Here’s a post on how to earn the remaining Southwest points.
All cards earn:
- 2 points per $1 spent on Southwest Airlines and AirTran®Airways
- 2 points per $1 spent on hotel and car rentals
The difference between the Premier and Plus card is that the Premier card has a higher annual fee of $99, but the main extra benefits includes 6,000 points on your card anniversary & no foreign transaction fees.
The Plus card has a lower annual fee of $69, but offers only 3,000 Southwest points on your card anniversary and charges foreign transaction fees.
4. Citibank American Airlines Business
There aren’t many ways to earn American Airlines miles, so the 50,000 mile sign-up bonus for the Citi American Airlines card is a great offer.
You have to spend $3,000 within 3 months to get the 50,000 American Airlines miles. The card also offers:
- 2X miles on American Airlines purchases, at office supply stores, telecommunications, and car rentals
- Group 1 boarding
- Free first checked bag – saving you ~$50 for a round trip
- Companion Certificate (valid for one time use in the US, except for Alaska and Hawaii) after spending $30,000 in a calendar year
- $0 annual fee for the first year, then $95
50,000 American miles can get you 2 roundtrip coach seats in the US (excluding Hawaii), and is just short of the 60,000 miles for a roundtrip coach ticket to Europe.
5. The Business Gold Rewards Card from American Express OPEN [Expired]
Link: The Business Gold Rewards Card from American Express OPEN
Like the Chase Ink Bold, the Business Gold Rewards Card from American Express OPEN is a charge card with a flexible spending limit that requires you to pay your balance in full each month. Here’s a post on how to fill out an American Express business card application.
- 3X points on airfare
- 2X points at US gas stations and on US purchases made directly from select computer hardware and software providers
The $175 annual fee is waived for the 1st year. You can transfer Membership Rewards points to airline partners to redeem for flights, but watch out for fuel surcharges on international awards with some partner airlines! Here’s a post on what to do with Membership Rewards points.
You can get ~$500 worth of air travel if you use the Pay with Points option or more if you transfer to airline partners.
6. Club Carlson Business Card
The Club Carlson Business credit card is very valuable for hotel redemptions because of the bonus award night perk and 85,000 point signup bonus! Club Carlson hotels include Country Inns and Suites, Radisson, Radisson Blu, Park Inn by Radisson, and Park Plaza.
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.
You get 50,000 points after your first purchase and an additional 35,000 points after spending $2,500 within 3 months. Additional perks of the Club Carlson Business card:
- 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
- 40,000 points on your card anniversary.
- 10 Club Carlson points per $1 spent at Club Carlson hotels & 5 points per $1 spent on everything else
7. United Business Card
I include this as an honorary mention because there is a targeted promotion for 50,000 miles on the United business card. Here’s a post with more details on how to find the targeted offer!
United miles are great for international flights and you don’t pay fuel surcharges when you redeem on their international airline partners.
50,000 miles will get you 2 roundtrip coach tickets within the US and is just 10,000 miles short of the 60,000 miles for a roundtrip coach ticket to Europe. And 50,000 miles will also get you a 1-way award ticket to Europe in business class.
There are 7 business cards which offer at least 50,000 miles or points. Some of these cards are issued by different banks, so you may be able to get them at the same time.
Here’s a link to the 40+ ways to complete the minimum spending on your card. Remember that you might qualify as a business even if you aren’t incorporated or have a corporation, but don’t lie on the application form!