Top 23 Small Business Credit Card Offers & Bonuses Up to $2,000 (Feb 2026)

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, Capital One has the largest, $2,000 (or more) in cash! Since the company charges a $150 annual fee, we calculate the value as $1,850. It does require $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.

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National Credit Card & Charge Card Offers

Reviwed	Company	Offer	BV (Bonus Value)	Product	Min Spend	Min Days	Annual Fee	Other fine print
Ad	Relay Bank	1.5% Back	Varies	Signature Visa	$0	NA	$0
10 Feb 26	Capital One	$4,000	$3,850	Spark 2% Cash Plus	$530,000	365 days	$150	$2k for each $500k
10 Feb 26	Capital One	$2,000	$1,850	Spark 2% Cash Plus	$30,000	90 days	$150
10 Feb 26	Capital One	$1,500	$1,105	Venture X	$30,000	90 days	$395	150,000 points
10 Feb 26	Capital One	$1,000	$1,000	Spark 2% Cash	$7,500	90 days	$0	$95 Annual Fee after 1st year
10 Feb 26	Chase	$1,000	$905	Ink Preferred	$8,000	90 days	$95
10 Feb 26	Chase	$1,000	$905	Ink Preferred	$8,000	90 days	$95
10 Feb 26	American Express	$1,750	$855	Charge card: Platinum	$12,000	180 days	$895
10 Feb 26	PNC Bank	$800	$800	Business Options	$15,000	90 days	$0
10 Feb 26	U.S. Bank	$750	$750	Triple Cash	$6,000	180 days	$0	$95 Annual Fee after 1st year
10 Feb 26	Chase	$750	$750	Ink Unlimited	$6,000	90 days	$0
10 Feb 26	Chase	$750	$750	Ink Cash	$9,000	270 days	$0
10 Feb 26	Capital One	$750	$750	Spark 1.5% Cash	$4,500	90 days	$0
10 Feb 26	Chase	$1,500	$705	Sapphire Reserve	$20,000	90 days	$795	150,000 points
10 Feb 26	American Express	$1,000	$675	Charge: Gold	$6,000	180 days	$325
10 Feb 26	Citibank	$650	$650	Platinum AA Business	$4,000	120 days	$0	$99 Annual Fee after 1st year
10 Feb 26	U.S. Bank	$600	$600	Altitude Connect	$6,000	180 days	$0	$95 Annual Fee after 1st year
10 Feb 26	U.S. Bank	$750	$555	Altitude Power	$10,000	120 days	$195
10 Feb 26	Capital One	$500	$500	Spark 1.5x Miles	$4,500	90 days	$0
10 Feb 26	Wells Fargo	$500	$500	Signify	$5,000	90 days	$0
10 Feb 26	Capital One	$500	$500	Spark 2x Miles	$4,500	90 days	$0	$95 annual fee after 1st year
10 Feb 26	Bank of America	$300	$300	Advantage	$3,000	90 days	$0
10 Feb 26	American Express	$400	$250	Charge: Green	$4,000	180 days	$150
10 Feb 26	Key Bank	$200	$200	Cash Rewards	$1,000	60 days	$0

Source: FintechLabs, 11 Feb 2026

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.