If you’re running a business and you want a big welcome bonus this month, I’d keep it simple: only apply for offers you can earn through normal spending, then keep the card only if the ongoing value pays for itself. These are the strongest public U.S. business-card deals I’m seeing right now — each one is 75,000 points (or more) in its own currency.
How I picked them: (1) size of the welcome offer, (2) how useful the points are in real life, and (3) whether the card earns well for common business expenses.
Offers move fast. Some issuers even show different bonuses depending on the landing page. Before you submit, confirm the exact offer and spending window on the application screen.
Quick picks
- Best premium travel + largest public welcome offer: The Business Platinum Card® from American Express
- Best simple premium setup: Venture X Business
- Best Chase points strategy: Ink Business Preferred® + Ink Business Cash® / Ink Business Unlimited®
- Best airline bonuses (if you fly them): United℠ Business Card + Southwest® Rapid Rewards® Performance Business
The 10 best business card offers (February 2026)
1) The Business Platinum Card® from American Express
Best for: Premium travel perks + the biggest Membership Rewards bonus
- Welcome offer: Earn 200,000 Membership Rewards® points after $20,000 in purchases in the first 3 months (public offer).
- Minimum spend / time: $20,000 in 3 months
- Annual fee: $895
- Earning highlights: High-end travel and business spend (check the offer page for the exact earning rates and caps).
- Get Started
Pros
- One of the largest public business-card welcome bonuses on the market.
- Loaded with premium travel benefits and business-friendly credits; best if you can actually use them.
Cons
- High annual fee; the value depends on credits, lounge access, and travel benefits you will actually use.
- Very high minimum spend to earn the bonus ($20,000 in 3 months).
2) Venture X Business
Best for: Simple 2X on everything + premium travel benefits
- Welcome offer: Earn 150,000 bonus miles when you spend $30,000 in the first 3 months.
- Minimum spend / time: $30,000 in 3 months
- Annual fee: $395
- Earning highlights: 2X miles on every purchase; 10X on hotels/rental cars and 5X on flights/vacation rentals booked through Capital One Business Travel.
- Get Started
Pros
- Straightforward earning: unlimited 2X miles on every purchase.
- Strong travel value: $300 annual travel credit + 10,000 anniversary miles.
Cons
- Large minimum spend to earn the bonus ($30,000 in 3 months).
- Top multipliers require booking through Capital One Business Travel; it is also a pay-in-full card.
3) Sapphire Reserve for Business℠ Credit Card
Best for: High-end Chase points + rich business/travel credits
- Welcome offer: Earn 150,000 bonus points after $20,000 in purchases in the first 3 months (Chase is also advertising a 200,000-point offer on certain comparison pages).
- Minimum spend / time: $20,000 in 3 months (or $30,000 in 6 months on some offers)
- Annual fee: $795
- Earning highlights: 8X on travel booked through Chase Travel; 4X on flights and hotels booked direct; 3X on social/search advertising; 1X on everything else.
- Get Started
Pros
- Very large Chase Ultimate Rewards® welcome bonus for businesses.
- Unusually strong travel multipliers plus a stack of credits aimed at business owners.
Cons
- Premium annual fee ($795) and a steep spend requirement, especially if you are chasing the larger 6-month offer.
- Pay-in-full structure; purchases reimbursed by the $300 annual travel credit typically do not earn points.
4) Ink Business Preferred® Credit Card
Best for: Transferable Chase points on common business expenses
- Welcome offer: Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months.
- Minimum spend / time: $8,000 in 3 months
- Annual fee: $95
- Earning highlights: 3X on the first $150,000/year in combined purchases across shipping, online advertising, internet/cable/phone, and travel; 1X on everything else.
- Get Started
Pros
- Huge points bonus relative to a low annual fee.
- Excellent bonus categories for real-world business spend (ads, shipping, telecom, travel).
Cons
- Bonus categories are capped (3X applies to the first $150,000 per year in combined category spend).
- If you want maximum value, you need to redeem strategically (transfers and premium redemptions make the math work).
5) Ink Business Cash® Credit Card
Best for: Maximizing office/telecom spend with no annual fee
- Welcome offer: Earn $750 bonus cash back (earned as 75,000 bonus points) after you spend $6,000 on purchases in the first 3 months.
- Minimum spend / time: $6,000 in 3 months
- Annual fee: $0
- Earning highlights: 5% back on the first $25,000/year at office supply stores and on internet/cable/phone; 2% back on the first $25,000/year at gas stations and restaurants; 1% back on everything else.
- Get Started
Pros
- Strong welcome bonus for a $0 annual fee business card.
- Very high earning where many businesses spend every month (office supply + internet/cable/phone).
Cons
- Bonus categories are capped ($25,000 per year at 5% and $25,000 per year at 2%).
- Foreign transaction fee (3%), so it is not a great fit for international purchases.
6) Ink Business Unlimited® Credit Card
Best for: A clean 1.5% back on everything + big bonus
- Welcome offer: Earn $750 cash back (earned as 75,000 bonus points) after you spend $6,000 on purchases in the first 3 months.
- Minimum spend / time: $6,000 in 3 months
- Annual fee: $0
- Earning highlights: Unlimited 1.5% cash back on every purchase (tracked as points in the Chase Ultimate Rewards program).
- Get Started
Pros
- Easy earning: unlimited 1.5% cash back on all business purchases.
- Strong welcome bonus with no annual fee.
Cons
- Flat-rate 1.5% means you may do better elsewhere if you are willing to track bonus categories.
- Foreign transaction fee (3%).
7) IHG One Rewards Premier Business Credit Card
Best for: IHG loyalists who want a free night + elite status
- Welcome offer: Earn 140,000 bonus points after spending $4,000 in the first 3 months from account opening.
- Minimum spend / time: $4,000 in 3 months
- Annual fee: $99
- Earning highlights: Up to 26X total points at IHG hotels; 5X on travel, dining, select business purchases, and gas; 3X on everything else.
- Get Started
Pros
- Big bonus and perks that can pay for the annual fee quickly if you stay at IHG hotels.
- Ongoing value: anniversary free-night certificate + 4th night free on award stays.
Cons
- Best value is tied to IHG stays; points are less flexible than transferable currencies.
- The free-night certificate has a redemption cap, so it will not cover every property (check IHG terms).
8) Southwest® Rapid Rewards® Performance Business Credit Card
Best for: Southwest flyers building points and elite progress
- Welcome offer: Earn 80,000 bonus points after spending $5,000 on purchases in the first 3 months from account opening.
- Minimum spend / time: $5,000 in 3 months
- Annual fee: $299
- Earning highlights: 4 points per $1 on Southwest purchases; 2 points per $1 at gas stations and restaurants, local transit/commuting, and hotels booked direct; 1 point per $1 on everything else.
- Get Started
Pros
- Large Rapid Rewards bonus paired with strong Southwest earning.
- Adds ongoing value with an anniversary points boost.
Cons
- High annual fee ($299).
- Rapid Rewards value is strongest if Southwest is your go-to airline; otherwise, the perks can be hard to justify.
9) United℠ Business Card
Best for: United flyers who want miles + PQP head start
- Welcome offer: Earn 100,000 bonus miles + 2,000 Premier qualifying points (PQP) after you spend $5,000 on purchases in the first 3 months.
- Minimum spend / time: $5,000 in 3 months
- Annual fee: $150
- Earning highlights: 2X miles on United purchases, dining, gas, local transit/commuting, and office supply stores; 1X on everything else.
- Get Started
Pros
- Big United mileage bonus plus PQP that helps you move toward Premier status.
- Solid everyday multipliers that align with typical business spending.
Cons
- United miles are most valuable within United and Star Alliance; they are not as flexible as transferable points.
- Subject to Chase underwriting rules; many applicants are still constrained by 5/24.
10) American Express® Business Gold Card
Best for: Businesses with heavy spend in a few key categories
- Welcome offer: Earn 100,000 Membership Rewards® points after you spend $15,000 in eligible purchases within the first 3 months of card membership (public offer).
- Minimum spend / time: $15,000 in 3 months
- Annual fee: $375
- Earning highlights: 4X points on the top two eligible categories each billing period (from a set list, on up to $150,000/year); 3X on flights and prepaid hotels booked on AmexTravel; 1X on everything else.
- Get Started
Pros
- Automatically earns 4X points in your top two eligible categories each billing cycle.
- Strong credits that can offset the annual fee if you already use the services.
Cons
- High annual fee ($375) and a sizable minimum spend ($15,000 in 3 months).
- 4X earning applies only to your top two eligible categories and is capped each year.
Comparison table
| Card | Bonus | Spend | Annual fee | Points | Best for | Get Started |
|---|---|---|---|---|---|---|
| The Business Platinum Card® from American Express | 200k MR | $20,000 in 3 months | $895 | Amex MR | Premium travel perks + the biggest Membership Rewards bonus | Get Started |
| Venture X Business | 150k miles | $30,000 in 3 months | $395 | CapOne miles | Simple 2X on everything + premium travel benefits | Get Started |
| Sapphire Reserve for Business℠ Credit Card | 150k UR (200k shown on some pages) | $20,000 in 3 months (or $30,000 in 6 months on some offers) | $795 | Chase UR | High-end Chase points + rich business/travel credits | Get Started |
| Ink Business Preferred® Credit Card | 100k UR | $8,000 in 3 months | $95 | Chase UR | Transferable Chase points on common business expenses | Get Started |
| Ink Business Cash® Credit Card | $750 (75k pts) | $6,000 in 3 months | $0 | Chase UR (cash) | Maximizing office/telecom spend with no annual fee | Get Started |
| Ink Business Unlimited® Credit Card | $750 (75k pts) | $6,000 in 3 months | $0 | Chase UR (cash) | A clean 1.5% back on everything + big bonus | Get Started |
| IHG One Rewards Premier Business Credit Card | 140k IHG pts | $4,000 in 3 months | $99 | IHG points | IHG loyalists who want a free night + elite status | Get Started |
| Southwest® Rapid Rewards® Performance Business Credit Card | 80k RR pts | $5,000 in 3 months | $299 | Southwest RR | Southwest flyers building points and elite progress | Get Started |
| United℠ Business Card | 100k miles + 2k PQP | $5,000 in 3 months | $150 | United miles | United flyers who want miles + PQP head start | Get Started |
| American Express® Business Gold Card | 100k MR | $15,000 in 3 months | $375 | Amex MR | Businesses with heavy spend in a few key categories | Get Started |
FAQs
Do I need an LLC or corporation to apply for a business card?
No. Most issuers allow sole proprietors to apply. You can apply using your legal name as the business name and use your SSN if you do not have an EIN.
Should I apply if I cannot hit the minimum spend comfortably?
No. The welcome bonus is only a deal if you can earn it through normal business spending. If the spend requirement feels forced, wait or pick a smaller offer.
Which points are most flexible?
Transferable currencies usually give you the most options: Chase Ultimate Rewards®, Amex Membership Rewards®, and Capital One miles can be redeemed in multiple ways, including transfers to partners (depending on the program).
Transferable points vs. airline/hotel cards – which should I start with?
Start with transferable points if you’re not loyal to one brand. Choose an airline/hotel card if you consistently fly or stay with that program and will use the perks.
Can I combine Chase business points across cards?
Yes. Chase lets you combine points across eligible cards, which is why pairing an Ink card with a premium Ultimate Rewards card can unlock more options.
What is the fastest way to rack up points this month?
Pick one ecosystem and stack it: for example, an Ink Business Preferred® for transfers plus an Ink Business Cash® or Ink Business Unlimited® for everyday spend.
Are high-annual-fee cards worth it?
Sometimes. They’re worth it when the credits and perks you already use offset the annual fee. If you won’t use the credits, the math usually doesn’t work.
What should I do before I apply?
Screenshot the offer terms, confirm the spending window, and map out exactly which expenses will meet the minimum spend. Business cards reward planning.
