It’s a great time to for small business owners to shop for a new credit or charge card. Since many owners are fine-tuning their banking in Q1, many big banks attractive new-account bonuses. For big spenders, Chase has the largest, $4,000 in bonuses. Since the company charges a $795 annual fee, we calculate the value as $3,205. It requires $30,000 in spending during the first 90 days ($10,000 per month). For smaller spenders, US Bank will pay $750 for just $6,000 in spending over 6 months (1,000 per month). And if you spending $40k or more per month, Capital One gives you $2,000 to start then another $2,000 for every $500k in spend the first year.
Caveats:
- Most cards require a minimum amount of spending during the 90 to 180 days to earn the bonus.
- We tried to only include offers available to businesses anywhere in the United States. However, you may find undisclosed geographic limitations when you apply.
National Credit Card & Charge Card Offers
| Reviewed | Company | Offer | Bonus Value | Product | Min Spend | Min Days | Annual Fee | Other fine print |
| 22 Sep 26 | Chase | $4,000 | $3,205 | Sapphire Reserve Business | $30,000 | 180 days | $795 |
200,000 points; Value up to $4,000 on select Chase Travel
|
| 22 Sep 26 | American Express | $3,000 | $2,105 | Business Platinum | $20,000 | 90 days | $895 | As high as 300,000 points; offer varies by applicant |
| 22 Sep 26 | Capital One | $2,000 | $1,850 | Spark 2% Cash Plus | $30,000 | 90 days | $150 | Plus $2k for each $500k spend |
| 22 Sep 26 | American Express | $2,000 | $1,625 | Business Gold | $15,000 | 90 days | $375 | As high as 200,000 points; offer varies by applicant |
| 22 Sep 26 | Capital One | $1,500 | $1,105 | Venture X Business | $30,000 | 90 days | $395 | 150,000 miles |
| 22 Sep 26 | Chase | $1,000 | $1,000 | Ink Business Unlimited | $8,000 | 120 days | $0 | $1,000 cash back; offer ending soon |
| 22 Sep 26 | Chase | $1,000 | $1,000 | Ink Business Cash | $8,000 | 120 days | $0 | $1,000 cash back; offer ending soon |
| 22 Sep 26 | Chase | $1,000 | $905 | Ink Business Preferred | $8,000 | 90 days | $95 | 100,000 points, up from your previous figure |
| 22 Sep 26 | Capital One | $1,000 | $905 | Venture Business | $10,000 | 90 days | $95 | 100,000 miles |
| 22 Sep 26 | Capital One | $1,000 | $1,000 | Spark 2% Cash | $10,000 | 90 days | $0 first year | $1,000 cash bonus; $95 annual fee after first year |
| 22 Sep 26 | PNC Bank | $800 | $800 | BusinessOptions | $15,000 | 3 billing cycles | $0 | $800 statement credit |
| 22 Sep 26 | U.S. Bank | $750 | $750 | Triple Cash | $6,000 | 180 days | $0 | $750 cash back; no annual fee |
| 22 Sep 26 | U.S. Bank | $750 | $555 | Business Altitude Power | $10,000 | 120 days | $195 | 75,000 points |
| 22 Sep 26 | Capital One | $750 | $750 | Spark 1.5% Cash Select | $6,000 | 90 days | $0 | $750 cash bonus |
| 22 Sep 26 | Citibank | $650 | $650 | Citi / AAdvantage Business | $4,000 | 120 days | $0 first year |
65,000 AAdvantage miles; $99 annual fee after first year
|
| 22 Sep 26 | U.S. Bank | $600 | $600 | Business Leverage | $6,000 | 120 days | $0 first year | 60,000 points; $95 annual fee after first year |
| 22 Sep 26 | Wells Fargo | $500 | $500 | Signify Business Cash | $5,000 | 90 days | $0 | $500 cash rewards bonus |
| 22 Sep 26 | Capital One | $500 | $500 | VentureOne Business | $4,500 | 90 days | $0 | 50,000 miles |
| 22 Sep 26 | Bank of America | $500 | $500 | Business Advantage Cash Rewards | $5,000 | 90 days | $0 | $500 cash bonus; online offer |
| 22 Sep 26 | American Express | $250 | $250 | Blue Business Cash | $3,000 | 90 days | $0 |
Standard public offer: $250 statement credit; higher targeted offers may exist
|
| 22 Sep 26 | Engine X | $200 | $200 | Engine X | $2,000 | 30 days | $0 | 20,000 Engine points; $200 travel-credit value |
| 22 Sep 26 | KeyBank | $200 | $200 | Business Cash Rewards | $1,000 | 60 days | $0 | $200 cash-back bonus |
Source: FintechLabs, 22 Sep 2026
* Sponsor
**Bonus Value (BV) = Dollars earned minus annual fee. Point bonuses are valued at $0.01 per point, though they can sometimes be redeemed for as much as double that.
Disclosure: We may earn revenue from listed card issuers
Resources: Looking for digital banks, lenders, payment providers, insurance or digital accounting for small businesses? Check out our latest lists: Small Business (SMB) savings/treasury accounts (7) | SMB online lenders (33) | SMB challenger banks (15) | SMB insurers (15) | SMB credit cards/expense management (16) | Billpay & invoicing (16)| Payment processors (7) | SMB digital accounting/bookkeeping (21)
The FAB Score (Fintech Attention Barometer) is a proxy for the size and growth of fintech companies founded since 1999.
