Best Business Credit Cards for Veterans and Military 2019

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The best business credit cards for veteran owned small businesses and military servicemembers offer hundreds of dollars of welcome bonuses, annual perks, cash back, and travel reward points for your business spending.

Business credit cards are available to anyone with income outside of your normal paycheck. You DO NOT need an LLC, Employer Identification Number (EIN), or any kind of corporate structure. When you apply for a business card, simply select “sole proprietor” as your business type and use your personal Social Security number.

military veteran owned business credit cards

Military servicemembers and veterans can qualify for the top business credit cards. These cards can put cash or points back into your pocket for all of your normal business expenses. You can always earn at least 1.5% cash back on purchases and up to 5% cash back on select categories.

Business Credit Cards for Military Members

Chase Credit CardWelcome OfferAnnual FeeFOREX FeesEarning rewardsMin Spend in 3 Months
Ink Business Preferred80,000 UR pts$950%3X on Biz Travel$5000
Ink Business Cash50,000 points$03%Up to 5% Back$3000
Ink Business Unlimited50,000 points$03%1.5% Cash Back$3000

If you are active duty, you may have a side hustle or do freelance work to supplement your active duty income. For example, you may drive for Uber, write a blog like me, or own rental property. This qualifies as a business and you should easily qualify for some of these great cards.

Guard and Reserve military members usually have a civilian job as well as their military job. If you give flight lessons, own a computer services business, or earn any kind of freelance MISC-1099 income, you can qualify for these cards.

If you own a service-disabled veteran-owned small business, you know that you can access some of the best government contracts ahead of the competition. While you are winning these contracts, why not get rewarded with cash or travel points for your normal business spending?

Chase Ink Business Preferred

Chase Ink Business Preferred Veteran and Military
  • Learn how to apply for Chase Ink Business Preferred
  • 80,000 bonus points after you spend $5000 in the first 3 months of account opening
  • Earn 3X points on travel, shipping purchases, Internet, cable and phone services, and online advertising purchases
  • Cell Phone Protection: Up to $600 coverage against theft or damage when you pay your monthly cell phone bill with your CIP
  • NO Foreign Transaction fees

Thanks to no foreign transaction fees, this is THE business credit card to use if you travel OCONUS or operate overseas frequently. The welcome bonus offer is HUGE as well. 80,000 points is worth at minimum $800 if you cash it out, which is 8 years of annual fees on this card.

You can also earn 3 points per dollar spent on travel, shipping purchases, internet, cable and phone services as well as online advertising like Google Adwords or Facebook Ads.

Another great feature of this card is the cell phone protection coverage. If you pay your monthly cell phone bill with your Chase Ink Preferred, it automatically insures your cell phone up to $600 per claim for loss due to theft or damage. You only need to pay a $100 deductible. This is a great deal and much cheaper than the cell phone insurance plans offered by major carriers.

Chase Ink Business Unlimited

Chase Ink Business Unlimited Credit Card for Veterans and Military

This is your backstop business card. If your purchase isn't in one of the 3X categories of the Ink Business Preferred or the 5% cash back categories of the Ink Business Cash, this card will give you 1.5% cash back on EVERY purchase.

This ensures you are always earning at least 1.5% on every purchase. Additionally, this card has a great welcome bonus offer of 50,000 points (which can be cashed in for $500) and no annual fee. A great card to keep in your wallet for business purchases.

Chase Ink Business Cash

Chase Ink Business Cash Credit Card for Veterans and Military
  • Learn how to apply for the Chase Ink Business Cash card here
  • $500 bonus cash (50,000 UR Points) after you spend $3000 in 3 months
  • 5% cash back on the first $25,000 spent at office supply stores and on internet, cable and phone services
  • 2% cash back on the first $25,000 spent at gas stations and restaurants
  • 1% cash back on everything else
  • NO annual fee

The Ink Business Cash card finishes out the trinity of Chase business cards for veterans and military servicemembers. It's got a great 5% cash back on office supply stores, internet, and cable/phone services. Nearly every business has these expenses, so why not get 5% cash back on them?

You can also get 2% cash back on gas stations and restaurant purchases. This is perfect for entertaining clients, hosting parties for your employees, or filling up the gas tank.

Maximize Your Ultimate Rewards Welcome Offer

All of these business cards have great Chase Ultimate Rewards welcome offers. Ultimate Rewards is one of the two most flexible rewards programs available. You can combine your points across your personal and business accounts to maximize your rewards potential.

Transferring these bonus points to your Chase Sapphire Reserve card is easy. You can then redeem the points for 50% more value on travel. Or, you can transfer your points to many excellent travel partners like Singapore Airlines.

I recently booked a round-trip ticket from Dubai to Auckland and Melbourne on Singapore Airlines for 312,000 points. With these 3 cards, you would be over halfway to a similar redemption after meeting the minimum spending bonus.

You can also always cash out your points for cash at 100 points = $1.00. If you just want to put some cash back in your pocket, this is a good choice. However, transferring to travel partners and booking flights and hotels gives you greater value per point.

2 thoughts on “Best Business Credit Cards for Veterans and Military 2019”

  1. Do you happen to know if business cards from Chase or AMEX have their AFs waived as well if your personal cards with them already fall under SCRA/MLA and have their AFs waived? Thanks in advance.


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