Updated November 2022. 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:
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Added Ink Cash 90k, Ink Unlimited 90k, Hilton 130k+FreeNight, Barc AA 80k+$95, Hawaiian 90k, JetBlue 80k+$99, Citi AA 65k. -
Removed United 150k, Alaska 70k, Marriott 125k, Delta 75k
This is a companion post to my . Notice that small business bonuses are on average even higher than those on consumer cards.
- $900 bonus cash back (highest ever) (90,000 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.*
- $900 bonus cash back (highest ever) (90,000 Ultimate Rewards points) after $6,000 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.*
- 75,000 bonus United miles after $5,000 in purchases in the first 3 months. See link for details.
- Free first checked bag for both you and a companion (a savings of up to $140 per roundtrip).
- Expanded award availability. Having this card makes it easier to redeem for that saver award economy ticket.
- 5,000-mile “better together” bonus each anniversary when you have both the United(SM) Business Card and personal Chase United credit card.
- Primary rental car coverage when renting for business purposes.
- $0 introductory annual fee for the first year, then $99.
- Subject to 5/24 rule.*
- 120,000 Membership Rewards points after $15,000 on eligible purchases in the first 3 months.
- HUGE list of additional perks including $400 Dell, $360 Indeed, $150 Adobe, $120 wireless phone annual credits, $200 annual airline fee credit, $189 CLEAR credit, Centurion airport lounge access, and more. See link for details.
- $695 annual fee.
- 100,000 Ultimate Rewards points (worth $1,000 straight cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®) 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.*
- 130,000 Hilton Honors Bonus Points after $5,000 in purchases in first 3 months. Plus a Free Night Reward after you spend $10,000 in purchases in first 6 months. Offer ends 12/21/22. See link for details.
- Earn another Free Night Reward after you spend $15,000 on purchases in a calendar year.
- $95 annual fee.
- Up to 90,000 Hawaiian miles. 50,000 miles after $2,000 in purchases in the first 90 days. +40,000 miles after $8,000 in purchases within the first 12 months. Limited-time offer. 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.
- 80,000 American Airlines miles + $95. 80,000 miles and a $95 statement credit after $2,000 on purchases in the first 90 days. See link for details.
- First checked bag free on domestic AA flights for you and up to 4 companions ($60 value per roundtrip, per person).
- $95 annual fee.
- 65,000 American Airlines miles after $4,000 in purchases in first the 4 months. See link for details.
- First checked bag free on domestic AA flights for you and up to 4 companions ($60 value per roundtrip, per person).
- $0 annual fee for the first year, then $99.
- 60,000 Hyatt points after $5,000 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.
- $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.
- 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.
- Up to $1,000 cash bonus. $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening. See link for details.
- Unlimited 2% cash back on all purchases with no limit.
- $150 annual fee.
- 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.
(Bank of America)
- 40,000 Alaska miles + Companion Fare Voucher after $2,000 in purchase within 90 days. 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 (worth $60 roundtrip per person).
- $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.
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