Top 10 Best Small Business Credit Card Bonus Offers – January 2020
Updated January 2020. 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 ends 1/27.
United Biz 100k – limited-time offer.
Citi/Barclays AA Biz 75k x 2 – limited-time offers.
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.
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. This is on top of the 2% cash back. Limited-time offer. See link for details.
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.
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).
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.
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.
Up to 75,000 Membership Rewards points (worth over $1,000 towards airfare). 50,000 Membership Rewards points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 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.
$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.
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