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How to Find a Business Credit Card Bonus That Works for Your Company

Business credit card bonuses are becoming more and more common, and nowadays, it’s uncommon to find a credit card that doesn’t offer some sort of sign-on bonus. A sign-on bonus can be a great way to encourage new people to potentially sign up for a credit card, which means that most cards now offer them. For businesses, this can be even more beneficial. Here’s how you can find the best business credit card bonus to use for your company.

1. Make Sure the Spending Requirement Fits With Your Budget

The spending requirement for the business credit card bonus is one of the most important things you can look for. Spending requirements for business credit cards can easily end up at $10,000 or more within the first three months, and if that’s not the type of purchases your company typically makes, you’re going to end up running into budgeting problems. Make sure that you can easily slot the spending requirement for the bonus into your normal company budget.

2. Make Sure the Card’s Annual Fee Slots Into Your Company’s Yearly Budget

The other thing to measure against your company’s budget is the credit card’s annual fee. Some businesses choose to only stick with a $0 annual fee credit card. While there are plenty of cards that can work extremely well for companies with a $0 annual fee, there are also cards that provide more for a fee, so make sure you adjust the annual fee to your yearly budget.

3. See How the Credit Card Bonus Is Applied to Your Account

Not all credit card bonuses are made equal, and this is especially the case when it comes to how the bonus is applied to your account. You may find that a bonus comes as a statement credit, as a prepaid card, or as points that you have to redeem yourself. Making sure that you’re knowledgeable about that sign-on bonus will help you when you actually achieve it.

4. Look at the Rewards Rate and Any Limitations on Rewards

Lastly, it’s a good idea to look at the credit card’s general rewards rate. The sign-on bonus is nice, but ultimately, it’s just a one-time bonus that you’re not going to be able to use over and over again. General purchase rewards are constant rewards that you’ll always get when you use the card. Check on the general rewards rate available with the card, as well as whether you’re limited in how much cash back you can end up getting.


A business credit card can be a great choice for many businesses; it separates business purchases into their own card, and it may give you rewards on all your purchases. However, when you think about sign-on bonuses, it’s important to take a look at what you’re actually getting and see how it measures up. Keep these four elements in mind to make sure you’re receiving a business credit card bonus that really boosts your company.