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If you have a small business (be it a corporation, sole proprietorship, or any other type of business structure), business credit cards are one of the best ways to earn more bonus miles.
Points accrued using business cards can be utilized for airline tickets and hotel stays just like those earned through personal cards, which can be a great way to experience more premium products, or just to reduce costs for your small business.
Not only are business credit cards considered unique products from personal credit cards for the purposes of sign-up bonuses, but many of the cards have unique category bonuses that similar personal cards don’t have.
Some business cards also offer rebates and perks that aren’t offered on the personal versions, so having a combination of products can make a great deal of sense for small business owners.
Grand Hyatt DFW – Redeem Ultimate Rewards points or receive a rebate through AmEx OPEN
With that in mind, I figured I’d recap the four small business credit cards that I consider to have the best sign-up bonuses as of now:
- Ink Plus® Business Credit Card
- CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®
- Club Carlson Business Rewards Visa Card
- Starwood Preferred Guest® Business Card from American Express
Each of these cards has a compelling sign-up bonus, though depending on the circumstances of your small business one card might make more sense than another.
Current offer: Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Annual fee: $95
Why it’s a great offer: The big sign-up bonus and generous category bonuses, including 5x points at office supply stores, and on cell phones, internet, and cable TV, and double points on gas and hotels.
So this is a card that’s good for both for the sign-up bonus and for everyday spend. I value Ultimate Rewards points at 1.5 cents each, so to me these points are worth $805.
There’s no doubt the value of Ultimate Rewards points has gone down a bit recently due to the devaluation of Hyatt, Southwest, and United points. That being said, there’s still a lot of value to be had from cards that accrue Ultimate Rewards points, especially given how easy they are to accrue.
I’m actually quite excited about transferring most of my Ultimate Rewards points to Hyatt Gold Passport going forward, given the excellent redemption values for Points + Cash stays as a Diamond member.
There’s also no fee to add an additional cardholder, which is a great perk for small business owners who need cards for employees.
Also keep in mind that as of last September the Chase Ink Cards are issued by Visa, while previously they were issued by Mastercard (making this a new product).
Current offer: 70,000 American AAdvantage miles after spending $4,000 within four months
Annual fee: $95, waived the first year
Why it’s a great offer: American miles are extremely valuable for OneWorld travel, and offer some of the best premium cabin redemptions out there, like business class between the US and Asia on Cathay Pacific for 70,00 miles one-way. I value American miles at 1.3 cents each, so this sign-up bonus is worth $910 to me.
Current offer: 50,000 points after the first purchase, and an additional 35,000 points after spending $2,500 on the card within 90 days.
Annual fee: $60
Why it’s a great offer: As I’ve written about previously, the Club Carlson card has a ton of value, including 85,000 points after completing the minimum spend, a 40,000 point anniversary bonus, Gold status for as long as you have the card, and most importantly, the second night of award redemptions are free, potentially doubling the value of your points.
You earn 5x points per dollar spent on the card, so once you’ve spent $3,000 on the card you’ll have 100,000 points. Club Carlson’s top category hotels cost 50,000 points per night, so that’s enough points for two sets of two nights at some of Club Carlson’s top properties.
There’s also a personal version of the Club Carlson Visa Card with exactly the same bonus and terms on the sign-up bonus.
Current offer: 10,000 Starpoints after the first purchase, 15,000 additional Starpoints after spending $5,000 within six months
Annual fee: $0 introductory annual fee for the first year, then $65
Why it’s a great offer: Starpoints remain the most valuable points currency out there to me, and are a great value for both hotel redemptions and airline mileage transfers. I value Starpoints at 2.2 cents each, so this sign-up bonus is worth $550 to me.
This card also gives small business owners access to the American Express Open program, which can provide significant savings and rebates, including rebates at Hyatt hotels.
There’s also a personal version of the Starwood American Express Card with exactly the same bonus and terms on the sign-up bonus.
Are there any small business credit cards with great sign-up bonuses that I left out?