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Top 10 Best Small Business Credit Card Bonus Offers – October 2018

Do you have small business income or work as an independent contractor? Do you have side hustle either by yourself or via a company like Uber/Lyft, Amazon, eBay, Etsy, Airbnb, and so on? You are eligible to open a small business credit card, which offers the benefit of keeping your personal and business expenses separate. You can use the rewards earned for a company retreat (even if you’re the only employee) or simply to cover some business expenses. If you are not a corporation or LLC, you can apply as a sole proprietorship, with your name as the business name as your Social Security number as the Tax ID number. I did this for years successfully before incorporating my business.

Credit card companies are in heated competition right now, and they are offering strong perks and $500+ value for a single new card during the first year to try out a new card. These are the top 10 credit card offers that I would apply for in October 2018, if I didn’t already have most of them. Please see links provided for full details.

This is a companion post to my Top 10 Best Credit Card Bonus Offers for personal cards. Note that small business bonuses are on average even higher than those on consumer cards.

Note: Certain Chase cards have a “5/24 rule” which is an unofficial rule that they will automatically deny approval on new credit cards if you have 5 or more new credit cards from any issuer on your credit report within the past 2 years. This rule applies on a per-person basis, so if you are new, you might want to start with those Chase cards.

Chase Ink Business Preferred Card

  • 80,000 Ultimate Rewards points (worth $1,000 towards travel!) after $5,000 in purchases in the first 3 months. See link for details.
  • 3X points on the first $150,000 spent on travel, shipping purchases, internet/cable/phone services, and advertising purchases with social media sites and search engines.
  • Primary rental car coverage when renting for business purposes.
  • $95 annual fee.
  • Subject to 5/24 rule.

Chase Ink Business Unlimited Card

  • $500 bonus cash back after $3,000 on purchases in the first 3 months. See link for details.
  • Flat 1.5% cash back on all purchases with no limit.
  • No annual fee.
  • Subject to 5/24 rule.

Chase Ink Business Cash Card

  • $500 bonus cash back after $3,000 on purchases in the first 3 months. See link for details.
  • 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year.
  • No annual fee.
  • Subject to 5/24 rule.

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard

  • 70,000 American Airlines miles after $4,000 in purchases in the first 4 months. See link for details.
  • First checked bag free on domestic flights perk ($60 value per roundtrip, per person).
  • $0 annual fee for the first year, then $99.

Southwest Rapid Rewards Premier Business Card

  • 60,000 Rapid Rewards points (redeemable for $900+ in Wanna Getaway airfare) after $3,000 in purchases in the first 3 months. See link for details.
  • $99 annual fee.
  • Combine with the Southwest Rapid Rewards Premier Consumer Card to earn the Southwest Companion Pass.
  • Subject to 5/24 rule.

American Express Plum Card

  • $600 cash back. Earn a $200 statement credit after each $10,000 you spend in purchases, up to $30,000, within the first 3 months. See link for details.
  • 1.5% early pay discount on all purchases which stacks on top of the bonus above.
  • $0 annual fee for the first year, then $250.

American Express Business Gold Rewards Card

  • 50,000 Membership Rewards points (flexible, worth 50,000 miles at various airlines) after $5,000 in purchases in the first 3 months. See link for details.
  • 3X points on one category of your choice, for example airfare purchased directly from airlines.
  • $0 annual fee for the first year, then $175.

Capital One Spark Cash Business Card

  • $500 cash bonus after $4,500 in purchases within the first 3 months. See link for details.
  • Flat 2% cash back on all purchases with no limit.
  • $0 annual fee for the first year, then $95.

Hawaiian Airlines Business Mastercard (Barclaycard)

  • 50,000 Hawaiian miles after first purchase. See link for details.
  • One-time 50% off companion discount for roundtrip coach travel between Hawaii and the Mainland on Hawaiian Airlines.
  • $99 annual fee.

Alaska Airlines Visa Business Card (Bank of America)

  • 32,500 Hawaiian miles + Companion Fare after $1,000 in purchase within 90 days. See link for details.
  • Companion fare voucher is “Buy one ticket, get one for just taxes and fees” ($0 fare taxes and fees from just $22).
  • Free checked bag on Alaska flights for you and up to six other passengers on the same reservation.
  • $50 annual fee for company, $25 per card.

Starwood Preferred Guest® Business Credit Card (American Express)

  • 100,000 bonus points. after $5,000 in purchases in the first 3 months. Note these are the new post-merger Marriott points (1 old Starpoint = 3 new Marriott point). See link for details.
  • 1 Free Night Award every year after your Card account anniversary. Award can be used for one night (redemption level at or under 35,000 points) at a participating hotel.
  • $0 annual fee for the first year, then $95.

TopCashBack Existing User Promo: Free Fall-Themed Dish Towel ($2.99 Value)

If you shop at Target stores and are an existing TopCashBack portal member, grab a free $2.99 Thanksgiving Dish Towel at this link. Offer expires Sunday, October 21st at 11:59pm PST. Instructions:

1) Simply click the “Get Offer” button to go to the Target website.
2) Purchase any $2.99 Select Threshold Kitchen Towels then shop as normal.
3) Within 7 days of purchase, you’ll see the transaction in your TopCashback account
4) Once confirmed, your transaction will become payable within 14 days.

Not worth a special trip, but free is free. You will have 7 days to pick it up after order confirmation. I also see an optional button online to extend pickup for an additional day past that. If a specific towel design is not in stock at your location, try another one. TopCashBack likes to offer little freebies to all existing users now and then to keep us aware of their service.

qara.info Portfolio Asset Allocation, October 2018

Here's my quarterly portfolio update for Q3 2018. These are my real-world holdings and includes 401k/403b/IRAs and taxable brokerage accounts but excludes our house, cash reserves, and a few side investments. The goal of this portfolio is to … [Read the rest]

Infographic: Where Did Housing Prices Crash the Most and the Least?

The Washington Post had an article looking back 10 years later: How the housing market has changed since the crash. Inside was an interesting map of where the home prices crashed the most and the least (click to enlarge): I wish they had a … [Read the rest]

Starbucks Masterpass Promo: Buy $10, Get Free $5 Gift Card

Here's another Starbucks promotion that can land you a free caffeine boost. Buy a $10+ Starbucks eGift Card with Masterpass, get a free $5 Starbuck eGift card. Masterpass is the online checkout system for Mastercard (like Visa and Visa Checkout). … [Read the rest]

Ally Bank Payback Time Promotion: 1% Additional Cash Bonus (~6% APY 3-month CD)

Ally Bank has a new promotion called Ally Payback Time that is offering a 1% cash bonus (up to $1,000) on new deposits on top of their existing interest rates. Valid for both new and existing customers. Given the holding period, this roughly … [Read the rest]

Savings I Bonds November 2018 Interest Rate: 2.32% Inflation Rate

Savings I Bonds are a unique, low-risk investment backed by the US Treasury that pay out a variable interest rate linked to inflation. You could own them as an alternative to bank certificates of deposit (they are liquid after 12 months) or bonds … [Read the rest]

Citi Simplicity Card Review: 0% for 21 Months (1.75 Years), No Late Fees, No Penalty Rates

Interest rates are rising, and that applies to credit cards as well. Our partner Citi has updated the Citi Simplicity® Card with an extended 0% intro period for balance transfers while also offering some "accident forgiveness insurance". Do you … [Read the rest]

EBSB Direct High Yield Savings Account 2.50% APY ($5,000 minimum)

EBSB Direct has a new High Yield Statement Savings Account that pays 2.50% APY on balances between $5,000 and $1 million. No interest is paid if your balance is below $5,000. $50 minimum to open. If you are an existing EBSB Direct customer, … [Read the rest]

Total Bond ETF Review: iShares Aggregate Bond ETF (AGG) or Vanguard Total Bond ETF (BND)

One of the major building blocks of your portfolio is probably a bond mutual fund or ETF. The most popular bond benchmark is the Bloomberg Barclays Aggregate Bond Index (AGG), which basically tracks all U.S. taxable investment-grade bonds. … [Read the rest]

American Express Pink Gold Card: New 50,000 Point Offer + $100 Dining Credit

American Express is trying to shake off its stodgy image - with a new Pink card! They prefer Rose Gold. The new American Express Pink Gold Card has a 50,000 bonus point offer if you apply via a referral link (that's mine). Here are the … [Read the rest]

Free National Emerald Club Executive ELITE Upgrade Sign-Up Link

Improved offer. Here's an even better link for Emerald Executive Elite, which is the higher tier - one above Emerald Executive and two tiers above plain Emerald Club. I was able to click on the link, sign in to my existing Emerald club account, and … [Read the rest]

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