Discover Business is running a promotion where you can get $100 bonus cashback after $1000 in purchases within the first three months. Discover Business was the card I decided was the best business card because it offered a 0% APY on balance transfers and purchases for 12 months, had no annual fee (rare in a business credit card), and now with this $100 cashback promotion offer… it’s certainly worth considering if you run a business.

Some other notable features of the card:

• 0% introductory APR on purchases and balance transfers,
• 5% cashback bonus on office supplies,
• 2% cashback bonus on gas purchases,
• 1% cashback on everything else.

So, who can apply for a business card? Anyone can apply, simply enter your social security number as the TIN. The beautiful thing about the United States is that anyone can be a business as a sole proprietorship and there are no additional tax implications or forms to fill out for the sole proprietorship business entity. This means that anyone can take advantage of this business card offer even if you don’t have a business.

Credit card offers total value: $1,150.

Here is every credit card promotional offer I am aware of, listed in a handy table along with fulfillment requirements. The only rules about having a card appear on the list is that the promotional offer be worth at least $50 and it must be a mainstream brand like Citi, Discover, Capital One, American Express, etc. No offers available only to a small geographic region, these are all mainstream ones that are potentially available to everyone if you qualify.

They are listed in order of value and I will attempt to keep this list updated monthly. (this list does not include free airline miles promotions, i.e. those cards that give only miles as a promotions, but some of these cards allow you to convert points into miles) For the cards that have (pts) next to the dollar value, which currently is all of them, you will get your rewards in points (which can often be converted into gift cards) and the maximum value is displayed there. $100 in points is usually 10,000 points, but not always, so be sure to read the terms and conditions. Without further ado, here are the $1,300 in promotions!

Who is eligible for a business card? Anyone can be a sole proprietorship without filling out any additional paperwork. Put in your name as the business name, your social security number as the ID number, and you can apply as a business. You don’t pay extra taxes, you don’t have to fill out any extra paperwork, this is 100% legal and acceptable.

If you know of an offer that isn’t on the list, please leave it in the comments or email me, thanks!

(Fat stack photo taken by Refracted Moments™ on Flickr)

I’ve recently posted the latest and greatest in credit card offers and promotions with over a thousand dollars in bonuses!

If you’ve had your eye on getting the American Express Preferred Rewards Gold Card or the American Express Preferred Rewards Green Card, you’re in luck because each has a hot new promotional offer of points with your first purchase. With the Gold card, you get 10,000 points after your first purchase; With the Green card, you get 5,000 points after your first purchase. 10,000 points can get you a $100 gift card and 5,000, coincidentally, can get you a $50 gift card.

American Express Preferred Rewards Gold Card

This card also has some other benefits such as exclusive access to Gold card events such as concerts, shows, sporting events, etc. as well as a Global Assist Hotline. The card also gives you access to the Membership Rewards Program, which lets you convert those points into gift cards. The card also comes with a $125 annual fee that is waived for the first year.

American Express Preferred Rewards Green Card

The green version is very much like the gold version except you don’t get access to Gold card events (and the promotional offer is half that of the Gold card). The card still gives you access to the Membership Rewards Program and all the typical American Express benefits such as purchase protection, return protection, and car rental insurance. The annual fee on the green card is $95 and that is waived for the first year.

Lesson of the Day: Don’t open a Bank of America checking account unless they’re offering you at least a hundred bucks to sign up. This time, Bank of America is saying “welcome to the neighborhood” with their latest re-packaging of this offer. The offer itself is pretty simple, just open a new personal checking account with BoA, deposit $100, and in 90 days BoA will deposit $100. This offer only applies if you are a new customer. If you don’t apply online via this link, then visit a branch and tell them you want offer AOU2611. This offer expires Jan 01, 2008.

Fees:
If you open a Regular Checking account, the most basic of the accounts, the monthly maintenance fee is $7 with a direct deposit and $8 without a direct deposit (that boggles my mind, one dollar off!?). If you maintain a minimum balance of over $750, then the fee is waived. There are other fee reducing conditions but $750 is the bare minimum.

Bob points out that “My Access Checking” is also eligible for this offer and it has no fees. (Thanks Bob!)

Terms & Conditions:

Offer expires 1/31/2008 and is available through our online application or in any Bank of America banking center. Offer does not apply to second or multiple checking accounts and/or existing checking customers. Student checking accounts are not eligible for this offer. Bank of America associates are not eligible for this offer. All accounts are subject to our normal approval process. This form must be presented at the time the account is opened if account is opened in a banking center. This minimum deposit required to open a new, personal checking account and receive the $100 offer is $100. We will make every attempt to directly deposit the $100 into your new Bank of America checking account. If for any reason we are unable to do so, a check will be issued as a replacement. We will deposit the money within 90 days of opening your new account. Limit one check per household. To the extent required by law, Bank of America will report the value of the offer to the IRS on Form 1099. Any applicable taxes are the responsibility of the account holder. For interest-bearing personal checking accounts, the Annual Percentage Yield (APY) is 0.05% as of 10/9/2007 for any account balance. The rate may change after the account is opened. Fees could reduce earnings on the account. Please consult a Banking Center, visit bankofamerica.com or see the Personal Schedule of Fees for other account fees, rates and information.

To date I’ve opened up four credit card accounts for the purposes of making money with 0% balance transfers and with the mtvU card’s 0% balance transfer offer ending for me in a month (it’s 6 months as opposed to 12), I’ve been looking around for another opportunity. Well, for those of you who have businesses (you all have sole proprietorship if you’ve ever had a garage sale, listed something on eBay, or sold tickets to a baseball game you couldn’t go to), here’s another offer you can’t refuse.

CitiBusiness Card with ThankYou Network - $100 worth of Thank You Rewards after $250 in purchases. If a $100 gift card wasn’t enough, you also can get a 0% balance transfer offer for 12 months. No annual fee.

Update: I’ve since created a comprehensive list of credit card offers & promotions that contains far more than the handful of promotions available here.

It costs credit card companies $200 per new credit card sign up, so make them give you some of that via gift cards or straight cash:

Discover Business - Get $100 in free money once you spend $1,000 within the first three months. It is a business card but you can use your Social Security Number as your EIN (that’s what sole proprietorships do). There is also a 0% APR balance transfer for 12 month offer and there is no annual fee.

Business Gold Rewards Card - Get $250 in free money! (this deal will be expiring very soon) It is a business card but you can use your Social Security Number as your EIN (that’s what sole proprietorships do). Just as a warning, this card has a $125 annual fee that is waived for the first year.

Starwood Preferred Guest Business Credit Card from American Express - 10,000 StarPoints good for a $100 gift card to Amazon.com after your first purchase. Unfortunately no balance transfer and the $30 annual fee is waived for the first year.

American Express Preferred Rewards Gold Card - 10,000 Membership Reward points will be credited to your Membership Rewards account 6 to 8 weeks after your first purchase, annual fee waived for the first year. 10,000 points is worth $100 in gift cards or 10,000 miles.

CitiBusiness Card with ThankYou Network - $100 worth of Thank You Rewards after $250 in purchases.