Updated for October 2021. Do you have small business income or work as an independent contractor? Freelance, Uber/Lyft, Amazon, eBay, Etsy, Airbnb? A small business credit card separates your personal and business expenses and can build up your business credit profile. 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. These are the top 10 credit card offers that I would personally apply for right now (or have already). Recent changes:

  • Added Hyatt 75k+100, Hawaiian 90k, Marriott 125k+2FreeNights, Barclays AA 80k, BofA $500, Wyndham 90k, Spark Miles 50k, United 150k.
  • Removed AmEx Plum, United 150k, BofA $750, Southwest 100k, Amex Gold 70k+$300, JetBlue 100k, Amex Platinum 95k, Wells Fargo $500.

This is a companion post to my Top 10 Best Credit Card Bonus Offers for personal cards. Notice that small business bonuses are on average even higher than those on consumer cards.

Marriott Bonvoy Business American Express Card

  • Both 125,000 Marriott Bonvoy points and 2 Free Night Awards (worth up to 50k each, so total 100k value) after $5,000 in purchases within the first 3 months. Limited-time offer. See link for details.
  • Additional Free Night Award upon card anniversary (worth up to 35,000 Bonvoy points). Earn another additional Free Night Award after spending $60K in purchases on your Card in a calendar year.
  • Annual fee is $125.

World of Hyatt Business Card

  • 75,000 Hyatt points after $7,500 in purchases in the first 3 months. See link for details and rough valuation of points.
  • Up to $100 in Hyatt statement credits – spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
  • $199 annual fee.
  • Subject to 5/24 rule.

Hawaiian Airlines Business MasterCard

  • Up to 90,000 Hawaiian miles. 50,000 miles after $1,000 in purchases within the first 90 days, plus an additional 40,000 miles after $6,000 in purchases within the first 12 months. See link for details.
  • Receive a one-time 50% off companion discount for roundtrip coach travel between Hawaii and The Mainland on Hawaiian Airlines.
  • $99 annual fee.

Chase Ink Business Preferred Card

  • 100,000 Ultimate Rewards points (worth $1,250 towards flexible travel) after $15,000 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.
  • $95 annual fee.
  • Subject to 5/24 rule.*

Chase Ink Business Unlimited Card

  • $750 bonus cash back after $7,500 in purchases in the first 3 months. See link for details.
  • Flat 1.5% cash back on all purchases with no limit.
  • No annual fee.
  • Subject to 5/24 rule.*

Chase Ink Business Cash Card

  • $750 bonus cash back after $7,500 in 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.
  • No annual fee.
  • Subject to 5/24 rule.*

Bank of America Business Advantage Cash Rewards Card

  • $500 statement credit after $5,000 in purchases in the first 90 days. See link for details.
  • 3% cash back on your choice of six categories. 2% cash back on dining and unlimited 1% cash back on all other purchases. The 3% and 2% cash back applies to the first $50,000 in combined category/dining purchases each calendar year, 1% thereafter.
  • No annual fee.

Wyndham Rewards Earner Business Card

  • 90,000 total bonus points. 60k points after $1,000 in purchases in first 90 days, plus additional 30k points after $2,000 in purchases in first 6 months. See link for details.
  • 90k points worth between 3 and 12 free nights. Wyndham hotel award nights cost between 7,500 to 30,000 points.
  • Automatic upgrade to Wyndham Rewards Diamond status.
  • $95 annual fee.

Hilton Honors American Express Business Card

  • Up to 180,000 Hilton Honors points. 130k points after $2,000 in purchases in first 3 months, plus another 50k points after a total of $10,000 in purchases in the first 6 months. See link for details.
  • Free Weekend Night Reward certificate after you spend $15,000 on purchases in a calendar year.
  • $95 annual fee.

US Bank Business Leverage Card

  • 75,000 bonus points after $7,500 in purchases (on the Account Owner’s Card only) in first the 4 months. 75,000 bonus points can be redeemed for $750 in cash back. See link for details.
  • Availability may be restricted to certain states.
  • $0 annual fee for the first year, then $95.

Barclays AAdvantage Aviator Business Card

  • Up to 80,000 American Airlines miles. 50,000 miles after $1,000 in purchases in the first 90 days. Additional 30,000 miles after a total o f $6,000 in purchases in the first 12 months. Limited-time offer. See link for details.
  • First checked bag free on domestic AA flights ($60 value per roundtrip, per person).
  • $95 annual fee.

Capital One® Spark® Miles for Business Card

  • 50,000 miles (worth a $500 statement credit) after $4,500 in purchases in the first 3 months. See link for details.
  • Flat 2X points per dollar spent on all purchases with no limit.
  • $0 annual fee for the first year, then $95.

Alaska Airlines Visa Business Card (Bank of America)

  • 60,000 Alaska miles + Companion Fare Voucher after $3,000 in purchase within 90 days. Limited-time offer. See link for details.
  • Companion fare voucher is “Buy one ticket, get one for $121” ($99 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.

* 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.

“The editorial content here is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone. This email may contain links through which we are compensated when you click on or are approved for offers.”

Top 10 Best Small Business Credit Card Bonus Offers – October 2021 from My Money Blog.


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