Updated November 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). Recent changes:

  • CapOne Spark Cash/Spark Miles $2,000/200k miles – limited-time offer.
  • AmEx Platinum Biz 100k – limited-time offer.
  • United Biz 100k – limited-time offer.
  • JetBlue 60k – limited-time 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.

Capital One Spark Cash for Business Card

  • Up to $2,000 cash bonus. $500 cash bonus after $5,000 in purchases in the first 3 months, plus another $1,500 cash bonus after $50,000 in purchases in the first 6 months. Limited-time offer. See link for details.
  • Flat 2% cash back on all purchases with no limit.
  • $0 annual fee for the first year, then $95.

Capital One Spark Miles for Business Card

  • Up to 200,000 bonus miles. 50,000 bonus miles after $5,000 in purchases in the first 3 months, plus another 150,000 bonus miles after $50,000 in purchases in the first 6 months. 200,000 miles is redeemable for $2,000 towards travel. Limited-time offer. See link for details.
  • Flat 2X miles per dollar on all purchases with no limit.
  • $0 annual fee for the first year, then $95.

American Express Business Platinum Card

  • Up to 100,000 Membership Rewards points (worth $1,540 towards airfare). 50,000 Membership Rewards points after you spend $10,000 and an extra 50,000 points after you spend an additional $15,000 within your first 3 months. See link for details.
  • Largest airline lounge access network. Includes Delta Sky Club membership + their own Centurion lounges.
  • Free year of WeWork co-working membership.
  • $200 Airline Fee Credit. Up to $200 a calendar year in baggage fees and more at one airline that you pick.
  • $100 Global Entry/TSA PreCheck credit.
  • $595 annual fee.

Chase Ink Business Preferred Card

  • 80,000 Ultimate Rewards points (worth $1,000 towards flexible 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.

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% early pay discount on all purchases which stacks on top of the bonus above.
  • $0 annual fee for the first year, then $250.

Southwest Rapid Rewards Performance Business Card

United Explorer Business Card

  • Up to 100,000 United miles. 50,000 after $5,000 in purchases in the first 3 months + another 50,000 after $25,000 total in purchases in the first 6 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.

Barclays AAdvantage Aviator Business Card

  • Up to 75,000 American Airlines miles. 65,000 miles after $1,000 in purchases in the first 90 days. Additional 10,000 miles when a purchase is made on an employee card. Limited-time offer. See link for details.
  • First checked bag free on domestic AA flights ($60 value per roundtrip, per person).
  • $95 annual fee.

CitiBusiness / AAdvantage Platinum Select Mastercard

  • 75,000 American Airlines miles after $5,000 in purchases in first the 5 months. Limited-time offer. See link for details.
  • First checked bag free on domestic AA flights ($60 value per roundtrip, per person).
  • $0 annual fee for the first year, then $99.

Hawaiian Airlines Business Mastercard (Barclaycard)

  • Up to 70,000 Hawaiian miles. Earn 60,000 miles after $1,000 in purchases in the first 90 days, and an additional 10,000 miles after a purchase is made on an employee card. Limited-time offer. See link for details.
  • One-time 50% off companion discount for roundtrip coach travel between Hawaii and the Mainland on Hawaiian Airlines.
  • $99 annual fee.

JetBlue Business Mastercard (Barclaycard)

  • Up to 60,000 JetBlue True Blue miles. Earn 50,000 miles after $1,000 in purchases in the first 90 days, and an additional 10,000 miles after a purchase is made on an employee card. Limited-time offer. See link for details.
  • First checked bag free for you and up to 3 companions on the same reservation when you use your card to book JetBlue-operated flights.
  • $99 annual fee.

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% 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% 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.

Wells Fargo Business Platinum Card

  • $500 cash back bonus after $3,000 in purchases in the first 3 months. See link for details.
  • Earn 1.5% cash back on every $1 spent, OR earn 1 point on every $1 spent + 1,000 bonus points when company spend is $1,000+ in any monthly billing period.
  • No annual fee.

“The editorial content here is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone. This email may contain links through which we are compensated when you click on or are approved for offers.”

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


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