Top 10 Best Small Business Credit Card Bonus Offers – December 2018
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) as of December 2018. Recent changes:
Updated Alaska Air card offer.
Updated Capital One Spark for Business – New limited-time bonus up to $2,000 bonus cash back or 200,000 bonus miles.
Updated Hawaiian Airlines Business card – Bonus increased to 60,000 miles.
Removed American Express Business Gold card 50k offer.
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.
80,000 Ultimate Rewards points (worth $1,000 towards 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.
$500 bonus cash back after $3,000 on 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.
Up to $2,000 cash bonus. Earn a $500 cash bonus when you spend $5,000 on purchases within the first 3 months. In addition, you can earn an additional $1,500 cash bonus if you spend $50,000 in the first 6 months. See link for details.
Up to 200,000 bonus miles. Earn 50,000 bonus miles when you spend $5,000 on purchases within the first 3 months. In addition, you can earn an additional 150,000 bonus miles if you spend $50,000 in the first 6 months. 200,000 miles is redeemable for $2,000 towards travel. See link for details.
Flat 2X miles per dollar on all purchases with no limit.
$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.
30,000 Alaska miles + BOGO Companion Fare Voucher after $1,000 in purchase within 90 days. See link for details.
Companion fare voucher is “Buy one ticket, get one for just taxes and fees” ($0 fare plus taxes and fees from just $22).
Free checked bag on Alaska flights for you and up to six other passengers on the same reservation.
$50 annual fee for company, plus $25 per card.
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