Business banking bonuses are typically larger than consumer ones and are often available to sole proprietors using their own name and Social Security number, though each bank sets its own rules about what entity documentation it accepts.
If you have any legitimate business activity, this category is usually the most underused. Requirements are larger but competition for the offers is far lower.
8 offers. Data last reviewed 2026-07-07.
Hold $25,000 new money 60 days + 6 qualifying transactions.
Hold $5k ($400) or $15k ($750) ~60 days.
Spend $5,000 on purchases within the first 6 months. LLC, sole prop, freelancer, or side hustle all qualify.
Approved for a BILL business card and post $10,000 in qualifying spend within the first 90 days.
Qualified first deposit of $100+.
Open Associated business checking via referral.
Open a Mercury business account through a referral.
Hold $3,000 avg · $50 per cycle · code START200.
How hard the money works while it sits there, annualized.
Raw bonus size, ignoring how much cash you have to move.
The top-ranked offer in this list, from opening the account to the bonus posting.
| Offer | Bonus | Requirement | Annualized bonus return |
|---|---|---|---|
| U.S. Bank Platinum Business Checking | $1,200 | Hold $25,000 new money 60 days + 6 qualifying transactions. | 29.2% |
| Bank of America Business Advantage Banking | Up to $750 | Hold $5k ($400) or $15k ($750) ~60 days. | 30.4% |
| Amex Blue Business Cash Credit Card | $500 statement credit | Spend $5,000 on purchases within the first 6 months. LLC, sole prop, freelancer, or side hustle all qualify. | n/a |
| BILL Spend & Expense (formerly Divvy) Business Charge Card | $500 statement credit | Approved for a BILL business card and post $10,000 in qualifying spend within the first 90 days. | n/a |
| Grasshopper Business Checking | $300 | Qualified first deposit of $100+. | n/a |
| Associated Bank Business Checking | Invite bonus | Open Associated business checking via referral. | n/a |
| Mercury Business Banking | Invite bonus | Open a Mercury business account through a referral. | n/a |
| Axos Basic Business Checking | Up to $200 | Hold $3,000 avg · $50 per cycle · code START200. | 16.2% |
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Full breakdown, steps, and charts on each page.
Ranked from the same dataset, filtered a different way.
Bonus links across banks, brokers, cards, crypto, and cashback apps. Many have not had their terms or promotion permission reviewed yet; each card says which. Churnables may earn a referral reward when you qualify through these links, and the issuer's page will show the referral code after you arrive.
Real data points from real people: which bonuses actually paid, how long the cash took, what tripped an account review, and which offers just died. Free to join, no karma requirements, and every post helps the next person get paid faster.
