Readers are always asking me what credit cards they should be opening. Over the years, I’ve opened hundreds of credit cards, earning tens of millions of miles. The key is taking advantage of great offers when they come up and spending in the correct categories.

This is not a comprehensive post of the best cards to use or have. Rather, this is a list of current limited time offers or mega bonuses that you should take advantage of now.

Some of these mega bonus offers will end very soon, including:

• Chase Ink Business Unlimited® Credit Card (Ending soon, exact date unpublished)
  
• Chase Ink Business Cash® Credit Card (Ending soon, exact date unpublished)

Have a credit card question? Ask in the comments below!

Chase:

Chase Ink Business Unlimited® Credit Card

Signup bonus: Ending Soon! Highest ever limited time offer: $1,000 cash back in the form of 100,000 bonus miles for spending $8,000 in 4 months. 

• Ink Unlimited Card Signup bonus value: Redeem your 100K bonus points for $1,000 cash back or if you also have a Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, Chase Sapphire Reserve for Business℠, or Ink Business Preferred® Card you can redeem for travel worth up to $2,000 with Points Boost or transfer to potentially lucrative airline and hotel partners like United, Hyatt, Southwest, Air Canada, Avios, Singapore, JetBlue, Virgin Atlantic, and more.
• Spend categories: Earn 1.5 points per dollar everywhere.
• Notable benefits: $240 annual Instacart credit ($20 monthly) plus 3 months Instacart+. 0% intro APR on purchases within 12 months of account opening.
• Annual fee: $0.
• Foreign transaction fee: 3%.
• Bottom line: An unprecedented signup bonus on an excellent no annual fee card with excellent everyday earnings.
• Full card review: Read more here.

Chase Ink Business Cash® Credit Card

Signup bonus: Ending Soon! Highest ever limited time offer: $1,000 cash back in the form of 100,000 bonus miles for spending $8,000 in 4 months. 

• Chase Ink Business Cash Card Signup bonus value: Redeem your 100K bonus points for $1,000 cash back or if you also have a Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, Chase Sapphire Reserve for Business℠, or Ink Business Preferred® Card you can redeem for travel worth up to $2,000 with Points Boost or transfer to potentially lucrative airline and hotel partners like United, Hyatt, Southwest, Air Canada, Avios, Singapore, JetBlue, Virgin Atlantic, and more.
• Spend categories: Earn 5 points per dollar on up to $25K in annual spending on office supply stores, streaming, TV, internet, and cell phones. 2 points per dollar on up to $25K in annual spending on gas and dining.
• Notable benefits: $240 annual Instacart credit ($20 monthly) plus 3 months Instacart+. 0% intro APR on purchases within 12 months of account opening.
• Annual fee: $0.
• Foreign transaction fee: 3%.
• Bottom line: An unprecedented signup bonus on an excellent no annual fee card with incredible spend categories.
• Full card review: Read more here.

Chase Sapphire Reserve for Business℠ Card

Signup bonus: Limited time offer: 200K bonus points for spending $30,000 in 6 months.

• Chase Sapphire Reserve for Business Signup bonus value: Redeem your 200K bonus points for $2,000 cash back or up to $4,000 in travel via Points Boost, or transfer to potentially lucrative airline and hotel partners like United, Hyatt, Southwest, Air Canada, Avios, Singapore, JetBlue, Virgin Atlantic, and more.
• Spend categories: Earn 8 points per dollar on Chase Travel, 4 points per dollar on airfare and hotels, 3 points per dollar on advertising purchases made with social media sites and search engines or Amazon, 5 points per dollar on Lyft, 1 point per dollar elsewhere.
• Annual spend credit: $300 credit for travel booked anywhere per cardmembership year. $500 The Edit Hotel Credit per calendar year, $250 2026 Hotel Credit, $200 Google Workspace Credit per calendar year, $100 GiftCards.com credit per calendar year, $400 ZipRecruiter Credit per calendar year, $120 Lyft Credit per calendar year, $60 DoorDash Restaurant Credit per calendar year, $240 DoorDash Non-Restaurant Credit per calendar year.
• Notable benefits: Hotel price match guarantee. Primary rental car CDW insurance. Free roadside assistance. Cell Phone Protection. DoorDash DashPass. Global Entry/PreCheck/NEXUS Credit. IHG Platinum Status. Bonus perks and credits for $120K annual spend. Makes all Chase points eligible for transfers or for Points Boost value up to 2 cents per point.
• Lounge Access: Sapphire Lounges with 2 guests. Air Canada Maple Leaf Lounges with 1 guest. Priority Pass Lounges with 2 guests.
• Annual fee: $795 primary. $0 additional users.
• Foreign transaction fee: 0%.
• Bottom line: An excellent signup bonus, valuable business spend categories with no spend cap, fantastic lounge access, excellent Points Boost redemptions, and a suite of business credits and perks, but with a pricey annual fee.
• Full card review: Read more here.

Chase Ink Business Preferred® Credit Card

Signup bonus: 100,000 bonus points for spending $8,000 in 3 months. 

• Chase Ink Business Cash Card Signup bonus value: Redeem your 100K bonus points for $1,000 cash back or you can redeem for travel worth up to $1,750 with Points Boost or transfer to potentially lucrative airline and hotel partners like United, Hyatt, Southwest, Air Canada, Avios, Singapore, JetBlue, Virgin Atlantic, and more.
• Spend categories: Earn 3 points per dollar on up to $150K in annual spending on all travel (airfare, hotels, car rentals, cruises, subways, trains, taxis, tolls, parking, Airbnb, Lyft, Uber, etc.), internet, cable, streaming, phone services, shipping, search engine, social media advertising, Amazon ads, and other online advertising. 1 point per dollar elsewhere
• Notable benefits: Cell phone protection. Transfer Chase points into miles.
• Annual fee: $95.
• Foreign transaction fee: 0%.
• Bottom line: An excellent signup bonus on a fantastic business card with lucrative spend categories.
• Full card review: Read more here.

Citibank:

Citi® / AAdvantage® Executive World Legend Mastercard®

Signup bonus: Limited time offer: 125,000 bonus miles for spending $15,000 in 5 months.

Citi is a DansDeals partner. View Rates & Fees here.

• Citi AAdvantage Executive World Legend Mastercard Signup bonus value: Redeem your 125,000 bonus miles for up to 25 American Airlines award flights.
• Spend categories: Earn at least 4 miles per dollar on American Airlines purchases and 12 miles per dollar spent on eligible hotels and car rentals booked through aadvantagehotels.com or aadvantagecars.com, at least 1 mile per dollar elsewhere. You will also receive 1 loyalty point towards earning elite status for every dollar spent on the card.
• Loyalty Points Bonus: Get a 10K Loyalty Point bonus after accumulating 50K, 90K, 165K, and 240K loyalty points from all sources.
• $500 annual AA vacations credit: Get a $250 credit every January-June and a $250 every July-December
• $120 annual Avis and Budget credit
• $100 annual in-flight and club purchase rebate
• Notable benefits: Admirals Club membership, Provisions Club access, Global Entry/PreCheck credit, $15 monthly Lyft credit after taking 3 rides, Avis President’s Club status, Omni Hotels Champion Status, free annual Onni night after 2 night stay, Priority boarding before other AA cardholders, free checked bag for cardholder and 8 companions, cardholder AA miles will never expire, Travel Protections. Extended warranty of 24 months on top of the manufacturer’s warranty.
• Annual fee: $695, with discounts for Citigold clients.
• Foreign transaction fee: 0%.
• Bottom line: An incredible signup bonus and a great premium card option with perks for anyone flying on American.
• Full card review: Read more here.

Capital One:

Capital One Venture Rewards Credit Card

Signup bonus: Limited time offer: $300 hotel and vacation credit, plus 75,000 bonus miles for spending $4,000 in 3 months.

• Capital One Venture Rewards Credit Card Signup bonus value: Redeem your $300 hotel or vacation credit, plus redeem your 75K bonus points for $750 to pay yourself back for any travel related charges or transfer to potentially lucrative airline and hotel partners like Turkish, Air Canada, Lifemiles, Avios, Singapore, Qantas, Virgin Atlantic, and more.
• Spend categories: Earn 2 miles per dollar everywhere and 5 points per dollar via the Capital One Travel portal or on Turo rentals. No foreign transaction fees.
• Notable benefits: Global Entry/TSA PreCheck credit. 2 free lounge visits annually. Excellent MLB ticket redemptions, just 5,000 miles for seats that normally cost hundreds of dollars.
• Annual fee: $95.
• Foreign transaction fee: 0%.
• Bottom line: A highly competitive low annual fee card with solid earnings everywhere and a great signup bonus.
• Read more here.

Capital One Venture Business Card

Signup bonus: 100,000 bonus miles for spending $10,000 in 3 months.

• Capital One Venture Business Card Signup bonus value: Redeem your 100K bonus points for $1,000 to pay yourself back for any travel related charges or transfer to potentially lucrative airline and hotel partners like Turkish, JAL, Air Canada, Emirates, Lifemiles, Avios, Singapore, Qantas, Virgin Atlantic, Accor, and more.
• Spend categories: Earn 2 miles per dollar everywhere and 5 points per dollar via the Capital One Travel portal.
• Charge card: Charge card with no pre-set limit. Doesn’t report to credit agencies and won’t add to 5/24 count.
• Notable benefits: $50 annual travel credit. $50 annual advertising and software credit. Global Entry/TSA PreCheck credit. Excellent MLB ticket redemptions, just 5,000 miles for seats that normally cost hundreds of dollars.
• Annual fee: $95.
• Foreign transaction fee: 0%.
• Bottom line: An excellent low annual fee card with solid earnings everywhere, the ability to transfer miles, a great signup bonus, and annual perks that can outweigh the annual fee.
• Full card review: Read more here.

Capital One Venture X Business Card

Signup bonus: 150,000 bonus miles for spending $30,000 in 3 months.

• Capital One Venture X Business Card Signup bonus value: Redeem your 150K bonus miles for $1,500 to pay yourself back for any travel related charges or transfer to potentially lucrative airline and hotel partners like Turkish, JAL, Air Canada, Emirates, Lifemiles, Avios, Singapore, Qantas, Virgin Atlantic, Accor, and more.
• Spend categories: Earn 2 miles per dollar everywhere, 10 points per dollar on hotels and cars via the Capital One Travel portal, 5 points per dollar on airfare via the Capital One portal.
• Annual spend credit: $300 on the Capital One travel portal per cardmembership year.
• Anniversary credit: 10,000 miles annually upon renewal.
• Charge card: Charge card with no pre-set limit. Doesn’t report to credit agencies and won’t add to 5/24 count.
• Notable benefits: Global Entry/TSA PreCheck credit. Primary rental car CDW insurance. Excellent MLB ticket redemptions, just 5,000 miles for seats that normally cost hundreds of dollars.
• Lounge Access: Capital One Lounges (Adult guests cost $45 and kids cost $25 unless you spend $75K/year). Capital One Landings (Adult guests cost $45 and kids cost $25 unless you spend $75K/year). Priority Pass Lounges with 2 guests.
• Annual fee: $395. $0 additional user.
• Foreign transaction fee: 0%.
• Bottom line: A top-notch card with annual credits that more than wipe out the annual fee.
• Full card review: Read more here.

AMEX:

• Read about Delta’s current limited time offers here.
• Read about Marriott’s current limited time offers here.

The Platinum Card® from American Express

As high as 175K bonus points for spending $12,000 in 6 months. Read more here.

• AMEX Consumer Platinum card Welcome bonus value: Redeem your 80K bonus points for $800 of airfare ($1,232 if you also have a Business Platinum) or 175K bonus points for $1,750 of airfare ($2,695 if you also have a Business Platinum) or transfer to potentially lucrative airline and hotel partners like Air Canada, Delta, Avios, Lifemiles, Singapore, Virgin Atlantic, and more.
• Spend categories: Earn 5 points per dollar on up to $500,000 of annual flight purchases and 5 points per dollar on hotels booked via AMEXTravel.com.
• Annual spend credit: $400 Resy Restaurant credit. $600 hotel credit. $300 Lululemon credit. $200 airline fee credit. $219 CLEAR Plus credit. $200 Uber/Uber Eats credit. $120 Uber One membership credit. $300 WSJ/NYT/Disney/entertainment credit. $300 Equinox credit. $200 Oura Ring credit. $155 Walmart+ credit.
• Notable benefits: Global Entry/TSA PreCheck credit for both primary and free additional card users. Uber VIP status. Hilton Gold and Marriott Gold elite status. Leaders Club Sterling credit. Sixt Platinum elite status. Lost item protection. Return protection. Cell phone protection.
• Lounge Access: Centurion Lounge access (Adult guests cost $50, kids cost $30, unless you spend $75K/year). Sidecar by Centurion lounge access. Priority Pass Lounges with 2 guests. Delta SkyClub access. Lufthansa lounge access. Escape lounge access with 2 guests. Plaza Premium lounge access with 2 guests.
• Annual fee: $895 primary, $195 additional user, or $0 companion user. To view rates and fees of the AMEX Consumer Platinum card, see this page.
• Foreign transaction fee: 0%.
• Bottom line: A hefty fee, which is more than offset by excellent credits and benefits, a strong signup bonus, an excellent spend bonus on airfare, and lounge access.
• Full card review: Read more here.

The Business Platinum Card® from American Express

As high as 300,000 bonus miles for spending $20,000 in 3 months. 

• AMEX Business Platinum Card Welcome bonus value: Redeem your 200K bonus points for $3,080 of airfare or 300K bonus points for $4,620 of airfare thanks to the 35% points rebate with the airline of your choice or transfer to potentially lucrative airline and hotel partners like Air Canada, Delta, Avios, Lifemiles, Singapore, Virgin Atlantic, and more, plus take advantage of frequent transfer bonus offers.
• Spend categories: Earn 2 points per dollar on all $5K+ purchases and on electronic goods retailers and software & cloud system providers, construction material and hardware suppliers, and shipping providers, up to $2 million annually.
• Annual spend credit: $600 hotel credit. $300 ChatGPT credit. $200 airline fee credit. $209 CLEAR Plus credit. $200 Hilton credit. $120 wireless credit. $150 Dell credit and $1,000 off $5,000 Dell credit. $250 off $600 Adobe credit. $360 Indeed credit.
• Notable benefits: 35% points rebate on the airlines of your choice, up to 1 million rebated points annually. Global Entry/TSA PreCheck credit for both primary and free additional card users. Hilton Gold and Marriott Gold elite status. Leaders Club Sterling credit. Sixt Platinum elite status. Lost item protection. Return protection. Cell phone protection.
• Lounge Access: Centurion Lounge access (Adult guests cost $50, kids cost $30, unless you spend $75K/year). Sidecar by Centurion lounge access. Priority Pass Lounges with 2 guests. Delta SkyClub access. Lufthansa lounge access. Escape lounge access with 2 guests. Plaza Premium lounge access with 2 guests.
• Annual fee: $895 primary, $400 additional user, $0 expense card. For rates and fees of the AMEX Business Platinum Card, please visit here.
• Foreign transaction fee: 0%.
• Bottom line: A hefty fee which is partially offset by a plethora of credits, a strong signup bonus, and a points rebate that adds value to all of your AMEX points.
• Full card review: Read more here.

Graphite™ Business Cash Unlimited Card

$1,500 cash back for spending $50,000 in 6 months. 

• Graphite™ Business Cash Unlimited Card Welcome bonus value: $1,500 cash back for spending $50,000 in 6 months.
• Spend categories: 5% cash back on flights and prepaid hotels via AMEX Travel, 2% cash back everywhere else.
• One AP® credit: Get an annual $2,400 statement credit for AMEX One AP® after spending $250,000 on eligible purchases on a Graphite Card in a calendar year.
• Notable benefits: AMEX’s awesome return protection, plus more AMEX benefits.
• Charge card: Charge card with no pre-set limit. Doesn’t report to credit agencies and won’t add to 5/24 count.
• Annual fee: $295. To view rates and fees of the American Express Graphite™ Business Cash Unlimited Card, see this page.
• Foreign transaction fee: 0%.
• Bottom line: An excellent welcome bonus, if you can meet the spend threshold.
• Full card review: Read more here.

American Express® Gold Card

As high as 100K bonus points for spending $8,000 in 6 months. Read more here.

• AMEX Consumer Gold Card Welcome bonus value: Redeem your 60K bonus points for $600 of airfare ($924 if you also have a Business Platinum) or 100K bonus points for $1,000 of airfare ($1,540 if you also have a Business Platinum) or transfer to potentially lucrative airline and hotel partners like Air Canada, Delta, Avios, Lifemiles, Singapore, Virgin Atlantic, and more.
• Spend categories: Earn 4 points per dollar on restaurants worldwide up to $50K annually, 4 points per dollar at US supermarkets on up to $25,000 in annual purchases, 3 points per dollar on airfare, 2 points per dollar on hotels from AMEX Travel.
• Annual spend credit: $120 Uber credit, $100 Resy Restaurant credit, $84 Dunkin credit, $120 dining credit at GrubHub, Seamless, Cheesecake Factory, and more.
• Annual fee: $325 primary, $0 additional user.
• Foreign transaction fee: 0%.
• Bottom line: Strong spending categories on dining and groceries and an annual fee that can be more than offset by the card’s credits.
• Full card review: Read more here.

AMEX Business Gold Card

As high as 200,000 bonus miles for spending $15,000 in 3 months. 

• AMEX Business Gold Card Welcome bonus value: Redeem your 100K bonus points for $1,000 of airfare ($1,540 if you also have a Business Platinum) or 200K bonus points for $2,000 of airfare ($3,080 if you also have a Business Platinum) or transfer to potentially lucrative airline and hotel partners like Air Canada, Delta, Avios, Lifemiles, Singapore, Virgin Atlantic, and more.
• Spend categories: Earn 4 points per dollar on up to $150K annually in your top 2 categories each month, including U.S. purchases for advertising in select media (online, TV, radio), U.S. purchases made directly from electronic goods retailers and software & cloud system providers, U.S. purchases at gas stations, U.S. wireless charges, transit purchases, U.S. purchases at restaurants, including takeout and delivery.
• Annual spend credit: $300 ChatGPT credit, $240 flexible business credits at FedEx, Grubhub, and Office Supply Stores, including gift cards. $155 Walmart+ credit. $150 Squarespace credit.
• Annual fee: $375 primary, $0 expense card.
• Foreign transaction fee: 0%.
• Bottom line: A hefty fee, but laden with credits that can cover it, as well as potentially lucrative 4x categories.
• Full card review: Read more here.

Blue Cash Preferred® Card from American Express

As high as $300 cash back for spending $3,000 in 6 months. 

• Blue Cash Preferred AMEX Welcome bonus value: As high as $300 cash back for spending $3,000 in 6 months.
• Spend categories: 6% cash back in the form of a statement credit at US supermarkets, up to $6,000 in annual spending. 6% cash back in the form of a statement credit on US streaming services with no cap. 3% cash back in the form of a statement credit at US gas stations, with no cap. 3% cash back in the form of a statement credit on transit with no cap, including taxis, rideshare, parking, tolls, trains, buses, ferries, and more. 1% cash back in the form of a statement credit on everything else
• Streaming spend credit: Get a $10 monthly statement credit after enrollment on any Hulu, Disney Bundle, ESPN Plus, or Disney Plus plans.
• Notable benefits: AMEX’s awesome return protection, plus more AMEX benefits.
• Annual fee: $0 intro annual fee for the first year, then $95.
• Foreign transaction fee: 3%.
• Bottom line: An incredible card for grocery, streaming, gas, and transit spending.
• Full card review: Read more here.

Bank of America:

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

Signup bonus: $500 cash back for spending $5,000 in 90 days

• Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card Signup bonus value: $500.
• Spend categories: Earn 1.5% cash back everywhere, or significantly more with the Bank of America Preferred Rewards For Business program.
• Elite tier earnings: Earn bonuses with the Bank of America Preferred Rewards For Business program. If you have combined balances in Bank of America deposit accounts or Merrill investment accounts for a 3-month average of $20K you earn Gold, $50K earns Platinum, and $100K earns Platinum Honors. Best of all, once you qualify for a tier, you will keep that tier for a full year, and after the year there is a 3 month grace period to meet the 3-month average balance once again. You can move over stocks, 529 accounts, retirement accounts, mutual funds, bonds, IRAs, 401Ks, ETFs, money market funds, etc. from other banks to meet those tiers. Among a plethora of banking benefits and perks, Gold earns 25% bonus credit card rewards, Platinum earns 50% bonus credit card rewards, Platinum Honors earns 75% bonus credit card rewards.
• If you have Gold tier or Preferred Plus status you’ll earn 1.87% cash back everywhere
• If you have Platinum tier or Preferred Honors status you’ll earn 2.25% cash back everywhere
• If you have Platinum Honors or Premier tier status you’ll earn 2.625% cash back everywhere.
• Annual fee: $0.
• Foreign transaction fee: 3%.
• Bottom line: A strong cash back card signup bonus and earnings on all purchases.
• Full card review: Read more here.

Bank of America® Unlimited Cash Rewards credit card

Signup bonus: Limited time offer: Earn $250 back for spending $1,000 in 90 days.

• Bank of America® Unlimited Cash Rewards credit card Signup bonus value: $250.
• Spend categories: Earn 1.5% cash back everywhere, plus more with tier earnings.
• Elite tier earnings: Earn bonuses with the BofA Rewards program. You can move over stocks, 529 accounts, retirement accounts, mutual funds, bonds, IRAs, 401Ks, ETFs, money market funds, etc. from other banks to get 10%, 25%, 50%, or 75% bonus card earnings. You can earn up to 2.625% cash back everywhere!
• Annual fee: $0.
• Foreign transaction fee: 3%.
• Bottom line: A good signup bonus for a top-tier cash back card.
• Full card review: Read more here.

5/24 and other considerations:

Some Chase cards are subject to 5/24 restrictions, meaning that you might not be approved if you have been approved for 5 or more consumer credit cards in the past 24 months. Enforcement of 5/24 has been patchy for the past year and the only way to know if you can get approved is by trying to apply.

Note that the Chase system automatically counts cards like authorized user cards and store cards as cards that count towards 5/24, but if you explain to Chase that those cards are merely authorized user cards or store cards they can manually approve you for a new card.

You can check your credit report for free at the federally authorized annualcreditreport.com to check how many accounts are shown as being open in the past 24 months.

It’s important to note that business cards from most banks, including Chase business cards, do not get added to your 5/24 count of recently opened cards. That’s because business cards from most banks don’t show up on your personal credit report, and the 5/24 count is based on your personal credit report. That means that applying for these cards won’t “hurt” your 5/24 count.

How to apply and improve your odds of approval for a business card:

Some of these are business cards, but you may already have a business that needs a card to keep track of expenses.

Chase has been getting stricter about business card approvals. One major factor they’re looking at is whether you are using your existing Chase business cards regularly. Consider closing unused Chase business cards and shifting spending onto Chase business cards to help your approval odds for a new business card.

You should shift spending onto newly opened cards and continue spending on the new card even after earning the bonus, to show the bank in the future that you’re not just opening the card for the signup bonus.

You can apply as a Sole Proprietor, though Chase has been getting stricter on approvals for sole proprietors, so for the highest approval odds, you’ll want to apply as an LLC.

Don’t have an LLC or tax ID number? You can open an LLC through your state or leave it to a company like LegalZoom to take care of everything for you for no fee on top of state filing fees with a basic plan. You can apply for a tax ID number here.

Having a Chase consumer checking account helps your consumer card approval odds, and having a Chase business checking account helps your business card approval odds. If you’re declined, you can also ask a banker to send in a special reconsideration form on your behalf.

If you don’t have an LLC and don’t want to open one, you can still apply for this card. For example, if your name is Joe Smith and you sell items online, or if you have any other side business and want a credit card to better keep track of business expenditures, you can open a business credit card for “Joe Smith” as the business. You don’t need to file any messy government paperwork to be allowed to do that. Just be sure to select “Sole Proprietorship” as the business type and just use your social security number in the Tax Identification Number field.

If you have business paperwork you can apply under your business name. Otherwise, it’s critical to just write your own name as the business name if you are just applying for your own small business as a Sole Proprietorship that doesn’t have any business paperwork. You can then send in bills in your own name for verification.

If you’re like me and you run more than one business, you can signup for multiple of the same card for each business to manage each business’s expenses separately.

Business card perks:

Another benefit of the card not reporting on your personal credit report is that when you spend money on personal cards your credit score will be hurt even if you pay your bill on time. A whopping 30% of your credit score is based on credit utilization. You can pay off your card bill before your statement is generated to avoid that, but that takes effort and laying out money well before you have to. Additionally, it’s good to have the statement close with a couple dollars to show the card is active and being paid every month. On a business card from banks like AMEX and Chase, it’s just not reported, so you can wait until the money is due without it having a negative effect on your score. That also means if you close the card, it won’t have an effect on your credit score.

While carrying balances on consumer cards can have a very harmful effect on your credit score, because the Ink cards are business cards, those balances won’t hurt your credit score! That makes the 0% APR on purchases for 12 months on a business card a very strong offer.

Which cards will you apply for?