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).
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 |
| 18 Aug 26 | Capital One | $4,500 | $3,850 | Spark 2% Cash+ | $530,000 | 365 | $150 |
+$2k for each $500k
|
| 18 Aug 26 | Chase | $4,000 | $3,205 | Sapphire Reserve | $30,000 | 90 | $795 | 200,000 points |
| 18 Aug 26 | Capital One | $2,500 | $2,350 | Spark 2% Cash+ | $30,000 | 90 | $150 | |
| 18 Aug 26 | Capital One | $1,500 | $1,105 | Venture X | $30,000 | 90 | $395 | 150,000 points |
| 18 Aug 26 | Capital One | $1,250 | $1,250 | Spark 2% Cash | $10,000 | 90 | $0 |
$95 Fee after 1st year
|
| 18 Aug 26 | Chase | $1,000 | $1,000 | Ink Unlimited | $8,000 | 120 | $0 | |
| 18 Aug 26 | Chase | $1,000 | $1,000 | Ink Cash | $8,000 | 120 | $0 | |
| 18 Aug 26 | Chase | $1,000 | $905 | Ink Preferred | $8,000 | 90 | $95 | |
| 18 Aug 26 | Capital One | $1,000 | $905 | Venture | $10,000 | 90 | $95 | |
| 18 Aug 26 | American Express | $1,750 | $855 | Platinum | $12,000 | 180 | $895 | |
| 18 Aug 26 | PNC Bank | $800 | $800 | Business Options | $15,000 | 90 | $0 | |
| 18 Aug 26 | U.S. Bank | $750 | $750 | Triple Cash | $6,000 | 180 | $0 |
$9 Fee after 1st year
|
| 18 Aug 26 | U.S. Bank | $750 | $750 | Business Leverage | $7,500 | 120 | $0 |
$95 Fee after 1st year
|
| 18 Aug 26 | Capital One | $750 | $750 | Spark 1.5% Cash | $6,000 | 90 | $0 | |
| 18 Aug 26 | American Express | $1,000 | $675 | Charge: Gold | $8,000 | 180 | $325 | |
| 18 Aug 26 | Citibank | $650 | $650 | Platinum AA Business | $4,000 | 120 | $0 |
$99 Fee after 1st year
|
| 18 Aug 26 | U.S. Bank | $750 | $555 | Business Altitude | $10,000 | 120 | $195 | |
| 18 Aug 26 | Wells Fargo | $500 | $500 | Signify | $5,000 | 90 | $0 | |
| 18 Aug 26 | Capital One | $500 | $500 | VentureOne | $4,500 | 90 | $0 | |
| 18 Aug 26 | Bank of America | $500 | $500 | Various | $3,000 | 90 | $0 | |
| 18 Aug 26 | American Express | $300 | $300 | Blue Cash | $3,000 | 180 | $0 |
$95 Fee after 1st year
|
| 18 Aug 26 | EngineX | $200 | $200 | $2,000 | 30 | $0 | ||
| 18 Aug 26 | Key Bank | $200 | $200 | Cash Rewards | $1,000 | 60 | $0 |
Source: FintechLabs, 18 Aug 2026
* Sponsor
**Bonus Value (BV) = Dollars earned minus annual fee. Point bonuses are valued at $0.01 each, though they can sometimes be worth double that or more.
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.
