Updated December 2024. Do you have small business income or work as an independent contractor? Freelance, Uber/Lyft, DoorDash, 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 Hilton 175k, Citi AA 75k, Spark $2,000, Amex Gold 100k, United 75k, Platinum 150k.
Removed Ink Unlimited $900, Delta Gold 90k, Marriott 5FreeNights, Hyatt 75k, Southwest 120k.
This is a companion post to my . Notice that small business bonuses are on average even higher than those on consumer cards.
- $2,000 cash bonus after $30,000 in the first 3 months. Additional $2,000 cash bonus for every $500K spent during the first year. See link for details.
- Unlimited 2% cash back spent on all purchases with no limit.
- $150 annual fee; Spend $150,000 annually and Capital One will refund this fee every year.
- 100,000 Membership Rewards points after $15,000 in eligible purchases in the first 3 months. See link for details.
- Up to $240 Annual Flexible Business Credit. Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. Enrollment is required.
- Up to $155 Annual Walmart+ Credit. Get up to $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. Enrollment is required.
- Annual fee is $375. ()
- Terms Apply.
- 75,000 bonus United miles after $5,000 in purchases in the first 3 months. Limited-time offer. See link for details.
- Free first checked bag for both you and a companion (a savings of up to $140 per roundtrip).
- 5,000-mile “better together” bonus each anniversary when you have both the UnitedSM Business Card and personal Chase United credit card.
- Primary rental car coverage when renting for business purposes.
- Intro $0 annual fee for the first year, then $99.
- Subject to 5/24 rule.*
- 150,000 Membership Rewards points after $20,000 on eligible purchases in the first 3 months.
- $1,000+ in value per year via statement credits on select purchases, including tech, recruiting and wireless. Enrollment required. See link for details.
- $695 annual fee. ()
- Terms Apply.
- 150,000 Miles (worth $1,500 towards travel) after spending $30,000 in the first 3 months. See link for details.
- $300 annual travel credit. Get up to $300 in statement credits when booking through Capital One Travel.
- Additional 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary.
- Capital One Lounges, Priority Pass(TM) and Plaza Premium Group lounges access.
- Up to a $120 credit for Global Entry or TSA PreCheck(R).
- $395 annual fee.
- 90,000 Ultimate Rewards points (worth $900 straight cash back or $1,125 toward travel when redeemed through Chase Travel) after $8,000 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.*
- $750 bonus cash back. (75,000 Ultimate Rewards points) after $6,000 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.*
- 175,000 Hilton Honors Bonus Points after $8,000 in purchases in the first six months. Offer Ends 1/8/2025. See link for details.
- Up to $240 in Annual Hilton Credits. Get up to $240 back each year on eligible Hilton purchases made on your Hilton Honors American Express Business Card, with up to $60 in statement credits per quarter.
- $195 annual fee.
- See Rates and Fees
- 75,000 American Airlines miles after $5,000 in purchases in first the 5 months. Limited-time offer. See link for details.
- First checked bag free on domestic AA flights for you and up to 4 companions (Up to $80 value per roundtrip, per person).
- $0 annual fee for the first year, then $99.
- 3 Free Night Awards (Worth Up To 150K Total Marriott Bonvoy Points) after $6,000 in eligible purchases within first 6 months. Each Free Night Award is worth up to 50,000 Marriott Bonvoy(R) points redemption level. See link for details.
- New award night top-off option: Marriott now allows you to supplement your free night certificates with up to 15,000 points of your own. For example, the 50k Award can be used to book a hotel at 65,000 points level if you spend 15,000 points of your own. This opens up the number of potential hotels available in expensive areas.
- 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. ()
- Terms Apply.
- Up to $750 bonus cash back total (75,000 Ultimate Rewards points). Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months. See link for details.
- 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year.
- No annual fee.
- Subject to 5/24 rule.*
- 60,000 Bonus Points after $5,000 in purchases in the first 3 months. See link for details.
- 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.
- 60,000 Bonus Miles after $4,000 in purchases in the first 6 months. See link for details.
- 60,000 Skymiles are worth at least $600 in Delta airfare with “Pay with Miles” option.
- First checked bag free on Delta flights ($70 value per roundtrip, per person).
- $200 Delta flight credit. Get a $200 credit to use toward future Delta travel after $10,000 in purchases within a calendar year.
- $0 introductory Annual Fee for the first year, then $150.
- See Rates and Fees
- 50,000 Hawaiian miles after $4,000 in purchases in first 90 days. 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.
- $500 statement credit after $5,000 in purchases in the first 90 days. See link for details.
- 1.5% cash back on all purchases, which can be increased to 2.62% cash back when combined with the program.
- No annual fee.
- 75,000 bonus points after $7,500 in purchases (on the Account Owner’s Card only) in first the 120 days. 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.
- 60,000 TrueBlue points 50,000 points after $4,000 in purchases in first 90 days. Plus, earn 10,000 bonus points when a purchase is made on an employee card in the first 90 days. See link for details.
- First checked bag free for the primary cardmember and up to 3 companions when tickets are purchased with your JetBlue Plus Card.
- $99 annual fee.
(Bank of America)
- 50,000 Alaska miles + Companion Fare Voucher after $4,000 in purchase within 90 days. See link for details.
- Companion fare voucher is “Buy one ticket, get one for $122” ($99 fare plus taxes and fees from just $23).
- Free checked bag on Alaska flights for you and up to six other passengers on the same reservation (worth $60 roundtrip per person).
- $70 annual fee for company, plus $25 per card.
- $500 cash bonus after $4,500 in purchases in the first 3 months. See link for details.
- Unlimited 1.5% cash back spent on all purchases with no limit.
- No annual fee.
- 60,000 Southwest points after $3,000 on purchases in the first 3 months. See link for details.
- Southwest still gives everyone two free checked bags.
- $99 annual fee.
- Subject to 5/24 rule.*
* 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.
For rates and fees of The Business Platinum® Card from American Express, please visit . For rates and fees of The Hilton Honors American Express Business Card, please visit . For rates and fees of Marriott Bonvoy Business® American Express® Card, please visit . For rates and fees of the American Express® Business Gold Card, please visit .
Delta SkyMiles® Gold American Express Card: See Rates and Fees
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