Best Business Credit Card Sign-Up Bonuses

Best Business Credit Card Sign-Up Bonuses

Please note that this is a list of some of the best business credit card sign up bonuses. This is not a comprehensive business credit card list because there are also business cards that are best for hotels, airlines etc. Hence those where included in a separate list. Also, only cards with bonuses valued at $200 or higher are included on this list.  This post has been updated as of 12/24/15

Here are some of other “best” cards that I have wrote about as well:

Best Airline Credit Card Sign-Up Bonuses

Best Hotel Credit Card Sign-Up Bonuses

Best Personal Credit Card Sign-Up Bonuses 

Best Cards to Manufacture Spending

Credit Card Information

The Business Gold Rewards by Amex

Notes: This is a pretty amazing card to have. It offers 50,000 membership rewards points. These points are valued at 1.9+ cents per point or $950 total if you’re smart about how you redeem it. Here’s a post by TPG that describes how. Please note that this card is a charge card as well. There’s no preset spending limit. That does not meant that you get unlimited spending, rather purchasing power is based on a variety of factors.

Bonus: 50,000 points after $5,000 spend in 3 months

Approx. Value: $950

Annual Fee:       $0 first year, then $175

Earning Points: 3x at airfare, advertising, gas stations, shipping, hardware, software, 2x at 4 remaining categories, 1x everywhere else

Recommended Method of MS: Serve

 

The Business Platinum by Amex

Notes: This is another charge card. It offers a 30% airline bonus, $200 airline fee credit, airport lounge access, concierge service, Gogo & Boingo Internet, and no foreign transaction fees. Refer to the TPG post to best spend your points!

Bonus: 40,000 points after $5,000 spend in 3 months

Approx. Value: $760

Annual Fee:       $450 annual fee

Earning Points: 2x at Amex travel website, 1x at everywhere else

Recommended Method of MS: Serve

Ink Plus by Chase

Notes: This is hands down my favorite out of all of the credit cards out there. This is a great card to manufacture spending with. Most people use this card to purchase gift cards at Staple/Gyft.com/and at PaypalDigitalGifts on Ebay ($50,000 annual limit for 250,000 points) because it earns 5x the points when purchasing at those places. These points can also be transferred to different airlines. I personally transfer my points to United Airlines which I believe multiplies the value of the points by 1.5x! Refer to my Chase Ink guide to better understand this card!

Bonus: 60,000 points after $3,000 spend in 3 months

Approx. Value: $600 ($900 if redeemed at United Airlines)

 

Annual Fee:       $95 annual fee

Earning Points: 5x at office supply stores, phone, internet, and cable services, 2x at gas and hotel, 1x everywhere else

Recommended Method of MS:  VGC, Buxx

Ink Cash by Chase

Notes: This card has a lower bonus than the Plus. It also has no annual fee and it offers cash back instead of Ultimate Rewards Points. The 5% cashback category is also limited at $25,000 instead of $50,000 of purchases. Personally I would choose the Ink Plus over this card. 

Bonus: $200 after $3,000 spend in 3 months

Approx. Value: $200

 

Annual Fee:     No annual fee

Earning Points: 5x at office supply stores, phone, internet, and cable services, 2x at gas and restaurants, 1x everywhere else

Recommended Method of MS:  Serve

Spark Cash Business by Capital One

Notes: This card is comparable to the Fidelity Invest Rewards and Citi Double Cashback. Each card offers 2% cashback. This card differs in the fact that it has an annual fee. It also has a $500 cashback bonus as well! 

Bonus: $500 after $4,500 spend in 3 months

Approx. Value: $500

 

Annual Fee:   $0 first year, then $59

Earning Points: 2x at all purchases

Recommended Method of MS: VGC, Buxx, 

Spark Cash Select by Capital One

Notes: There’s not much to say about this card. The value of this card is pretty average. At the same time you only get 1.5x on all purchases. The only upside to this card is that it has no annual fee.

Bonus: $200 after $3,000 spend in 3 months

Approx. Value: $200

 

Annual Fee:       No annual fee

Earning Points: 1.5x at all purchases

Recommended Method of MS:  VGC, Buxx

Note 1: There may have been some phrases/words below that many people are not familiar with. I will explain them in this section below.

MS stands for manufactured spending. Manufactured spending, as the name suggests, is a way of manufacturing spending using credit cards so that you can earn the rewards. This is often done through buying gift cards, Serve, or Visa Buxx. You can often spend a net of $0 or close to $0 and get hundreds of dollars of free sign-up bonuses. Here’s a post where I give a small summary of each of the most popular manufactured spending methods!

Serve refers to a company based off of American Express. They offer prepaid cards that can be loaded with only American Express cards. You’ll be able to put money into the prepaid card to get your credit sign-up bonus. Afterwords you can use the billpay option on Serve to pay back the same credit card. You essentially spend $0 in this case. Here’s my Serve post that shows you how you can manufactured spending with Serve.

VGC refers to Visa Gift Cards. The idea is to buy these visa gift cards using your credit card. Then you liquidate/load them onto Bluebird or Serve at participating stores. Once you do that, you can again use the billpay option to pay off your credit card.

Visa Buxx refers to another prepaid card. You can only load Visa Buxx with Visa and Mastercards. The process is somewhat similar to Serve. You load the prepaid card using a credit card. This can be done online. You’ll also points from this as well. Let’s say your card offers 1% cash back. Using Serve will earn you the 1% cash back as well the sign-up bonus. Although Visa Buxx does contain fees. Lastly, there’s no billpay option, you have to withdraw the money via an Allpoint ATM. You can find more information at my Visa Buxx post.

Note 2: It should also be noted that not all of these are the best offer out there. These are merely public offers that are available for everyone else to apply to online. I merely gathered all of the information in one spot and placed it in a neat table. These offers are subject to change. I will update them ASAP when I find that they have changed.

Note 3: If I were to personally apply for a credit card, I would probably apply for the Chase Ink and the two business card by Amex.

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