5 Card Offers You’re Probably Missing Out On

I receive compensation for many links on this blog. You don’t have to use these links, but I am grateful to you if you do. American Express, Citibank, Chase, Capital One and other banks are advertising partners of this site. Any opinions expressed in this post are my own, and have not been reviewed, approved, or endorsed by my advertising partners. I do not write about all credit cards that are available -- instead focusing on miles, points, and cash back (and currencies that can be converted into the same).


Small business credit cards often have bigger and better offers than personal cards. That’s because small businesses spend more than individual people do on average. Acquiring a business as a customer means more spend, which means a card company can invest more marketing to obtain the customer.

Furthermore, small business cards from most issuers don’t generally ‘count’ towards 5/24 limits getting approved for a new card with Chase since most banks don’t report them on your credit report. So getting most small business travel rewards cards usually won’t stand in the way of getting other cards.

Right now there are some fantastic offers worth looking at. Most people skip over small business credit cards, but one of the very first things you should think about before you even have business income is how to keep business and personal finances separate — in other words, get a small business credit card. Here are what I consider to be the 5 best:

  1. Ink Business Preferred℠ Credit Card offers 80,000 points after $5000 spend within 3 months and earns triple points on the first $150,000 spend on travel, telecommunications, shipping and advertising on social-media and search engines. It even comes with protection for your cell phone if you buy it using the card.

    best credit card bonus offers
    Transfer Points and Redeem for Singapore Airlines A380 Suites

  2. The Business Platinum® Card from American Express OPEN lets you earn 75,000 Membership Rewards points as a signup bonus: 50,000 after you spend $10,000 and 25,000 more points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership.

    The $450 card comes with a $200 airline fee credit. It gets you lounge access — Priority Pass, Delta lounges when flying Delta same-day, and their own Centurion lounges. And it gets you elite status — Hilton Gold and Starwood Gold which matches to Marriott Gold.


    American Express Centurion Lounge Houston

    You get to pick an airline for a $200 fee credit per year and get 10 Gogo inflight internet passes annually.

    You earn 1.5 points per dollar on each eligible purchase of $5,000 or more up to 1 million additional points per year.

  3. Starwood Preferred Guest® Business Credit Card from American Express is offering 25,000 bonus Starpoints® as a signup bonus after $5,000 in purchases within the first 3 months. It has a $0 introductory annual fees for the first year, then $95.

    The business card also gets you club lounge access when staying at Sheraton hotels on a rate booking directly through Starwood (this includes award bookings).


    St. Regis Abu Dhabi

  4. Business Gold Rewards Card from American Express OPEN: earn 50,000 Membership Rewards points after $5,000 spend on purchases with the card within your first 3 months of cardmembership. There’s a $0 introductory annual fee for the first year, then $175.

    You get to choose your triple points category (and the categories you don’t choose earn double points) from: Airfare purchased directly from airlines; U.S. purchases for advertising in select media; U.S. purchases at gas stations; U.S. purchases for shipping; U.S. computer hardware, software, and cloud computing purchases made directly from select providers.


    American Express Points Can Be Transferred to Etihad

  5. Blue Business℠ Plus Credit Card from American Express has no annual fee and earns double points on all purchases up to your first $50,000 in spend (one point per dollar after that).

    These are real Membership Rewards points that transfer to a variety of airline frequent flyer programs.

    This is the best most rewarding card for otherwise-unbonused spend.

About Gary Leff

Gary Leff is one of the foremost experts in the field of miles, points, and frequent business travel - a topic he has covered since 2002. Co-founder of frequent flyer community InsideFlyer.com, emcee of the Freddie Awards, and named one of the "World's Top Travel Experts" by Conde' Nast Traveler (2010-Present) Gary has been a guest on most major news media, profiled in several top print publications, and published broadly on the topic of consumer loyalty. More About Gary »

More articles by Gary Leff »

Editorial note: any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Comments made in response to this post are not provided or commissioned nor have they been reviewed, approved, or otherwise endorsed by any bank. It is not the responsibility of any advertiser to ensure that questions are answered, either. Terms and limitations apply to all offers.

Comments

  1. I applied for the Ink Business Preferred the day Chase announced the new restrictions on Sapphire. (I was planning to apply in a few months; figured Chase might impose similar restrictions on Ink. Fortunately I am 4/24. They put me in “pending” status; told me I’d get their decision by mail in 30 days. 7 days later I was approved.)

  2. Gary, you just listed 5 credit cards that I am not eligible for thanks to 5/24 and Amex lifetime rules. I’m sure a lot of your readers are in the same boat. This post was useless to most of your readers.

  3. @Steve I’m sorry this particular post wasn’t useful to you, I would disagree that most readers are in the same boat. Hopefully other content will be more aligned with your specific situation. Best, Gary

  4. @steve Come on, Steve! There are thousands and thousands of readers on this site who are eligible for these cards. I’m relatively new (2 years) to the game and I appreciate this post. I already have 2 of these five cards and I’m sure there are thousands in a similar situation. Just because this isn’t relevant to you does not mean it isn’t relevant to anyone else. You line of thinking is sort of like saying I already own a house so every article about how to buy a house/fund it with a mortgage is a waste of time.

  5. And, Steve, the Amex lifetime limit is just for the bonus–not the card. I, too, have had all these (and still have 3 of them). But, I may pick up the blue amex, even though I won’t get the bonus again. The 2x spending is worthwhile to me.

Leave a Reply

Your email address will not be published. Required fields are marked *