Top 10 Best Small Business Credit Card Bonus Offers – October 2018
Do you have small business income or work as an independent contractor? Do you have side hustle either by yourself or via a company like Uber/Lyft, Amazon, eBay, Etsy, Airbnb, and so on? You are eligible to open a small business credit card, which offers the benefit of keeping your personal and business expenses separate. You can use the rewards earned for a company retreat (even if you’re the only employee) or simply to cover some business expenses. If you are not a corporation or LLC, you can apply as a sole proprietorship, with your name as the business name as your Social Security number as the Tax ID number. I did this for years successfully before incorporating my business.
Credit card companies are in heated competition right now, and they are offering strong perks and $500+ value for a single new card during the first year to try out a new card. These are the top 10 credit card offers that I would apply for in October 2018, if I didn’t already have most of them. Please see links provided for full details.
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 from any issuer 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.
$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.
50,000 Membership Rewards points (flexible, worth 50,000 miles at various airlines) after $5,000 in purchases in the first 3 months. See link for details.
3X points on one category of your choice, for example airfare purchased directly from airlines.
100,000 bonus points. after $5,000 in purchases in the first 3 months. Note these are the new post-merger Marriott points (1 old Starpoint = 3 new Marriott point). See link for details.
1 Free Night Award every year after your Card account anniversary. Award can be used for one night (redemption level at or under 35,000 points) at a participating hotel.