How to Compare Business Credit Card Bonuses

If you’ve decided to spring for a business credit card, there are many benefits that you might be able to get with one. However, comparing these credit card bonuses can be much trickier than you might assume at first. How do you make sure that you’re getting the best business credit card bonus out there? Here are four things to look for so that you can get the best business credit card bonus possible.

  1. Amount of the Bonus

The thing you’re probably going to look at first is the amount that you can get from the bonus. This may be a very large amount – especially when it comes to business credit card bonuses, you can end up getting bonuses that are worth $750 or more when you first sign up for a card. However, while this is the thing the company often wants you to focus on, there are other important elements to consider.

  1. Spending Requirement for the Bonus

Next, you need to check the spending requirement to receive the bonus in question. This spending requirement can be much higher than it would typically be for personal credit cards; business credit cards typically see more spending than personal ones, so companies may set the spending requirement at over $10,000 within the first three months for you to be able to access the sign-on bonus. If your business has this type of spending regularly, it could be a great way for you to get some extra money, but if it doesn’t, the sign-on bonus may not be accessible.

  1. Annual Fee of the Card

Next, check to see what the card’s annual fee is. Some businesses may see more benefits from a card with a higher annual fee; if you have an especially successful business, it may make complete sense for you to have an annual fee of over $500 because of these extra benefits. However, smaller businesses may not see these kinds of benefits, leaving you better off with a lower-fee card.

  1. General Rewards Rate

Lastly, it’s a good idea to look at the general rewards rate for your business credit card. Sure, the credit card bonus can look great on paper, but it’s a one-time bonus that you’ll typically get within the first three months of opening your card. You should be much more interested in the general rewards rate of the card, as it’s what you’ll use on a more regular basis. Better day-to-day rewards can result in better usage of your credit card over time.


Whether this is your first-ever business credit card or you already have cards that you use for your business, your sign-on bonus is definitely a great way to save extra money. However, if you’re not careful in finding the right business credit card, you may end up unintentionally getting a card that doesn’t help your business as much as you were hoping. With these three things covered, you’ll be sure to get the best business credit card.

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