How to Get the Best Use out of Your Business Credit Card Bonus

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A business credit card can be one of the best ways to save money on your business purchases. If you have a business that makes any kind of regular purchases, a business credit card may be able to offer you rewards on that purchase as well as a special sign-on bonus. How do you get the best business credit card bonus? Here are four important things to do to make sure you’re getting the most from your bonus.

1. Budget to Hit the Spending Requirement

The spending requirement is an important part of many business credit cards. Essentially, the way a credit card sign-on bonus works is that you get an extra benefit when you make a certain dollar amount of purchases within a certain timeframe. That means you need to make sure you can hit the spending requirement to receive the sign-on bonus. Spending requirements can vary tremendously, so make sure you know the requirement for your card and know you can actually hit it.

2. Make Sure the Annual Fee Fits With Your Needs

Businesses may have a wide variety of needs when it comes to an annual fee. You may decide that you need a card with a $0 annual fee, or you may end up deciding that your company can afford multiple hundreds of dollars per year for your annual fee. It all depends on what your company needs and what you’re able to afford.

3. See How You Can Redeem Your Bonus

When you do receive the credit card bonus, how are you going to get it? Will it be a prepaid card that comes in the mail? Do you get it as a statement credit? Is it only redeemable with points? If so, how can you redeem those points, and on what? There are many different ways a credit card may allow you to redeem a bonus, so make sure you’re aware of what your card will be.

4. Ensure the Year-Round Rewards Fit With Your Needs

Although a sign-on bonus can definitely be great, ultimately it’s just a one-time reward that will only give you benefits near the beginning of having your card. If you want your credit card to get plenty of use for your business, you need to make sure that the credit card’s year-round rewards are beneficial. Make sure that the general rewards rate is beneficial for your company, not just that the sign-on bonus is especially useful.


There are many different ways that you might be able to use your business credit cards. One of the most important things that many people pay attention to is the sign-on bonus, which can vary tremendously depending on the actual card you have and the benefits you’re looking for. If you’re trying to get the most out of your business credit card, these four things will make sure you get the best use both now and in the future.