Update 5/6/23: Zions Bank now showing $1,000 bonus with $5,000 spend at this link (ht Celia). The California option is now showing this bonus as well.
Update 11/15/21: Arizona is now $2,000.
Update 5/12/21: AmegyBank is offering $1,000 now
Update 3/21/21: There is now a $1,500 bonus. Broken down as follows
- Earn 50,000 bonus points when you spend $3,000 in the first three month from account opening1
- Plus, get an additional 100,000 bonus points when you spend $50,000 in the first six months from account opening
Previous best was $1,000 bonus, but that only required $7,500 in spend.
The Offer
- There are a number of banks that offer AmaZing business credit cards. These cards are currently offering the following bonuses:
- $500 cash bonus when you spend $4,000 within 90 days of account opening. They also have point options as well (100,000/50,000 points).
- $1,000 cash bonus when you spend $7,500 within 90 days of account opening
- The following credit unions offer these cards:
- AmegyBank: Texas only ($1,000)
- California Bank & Trust: California only ($1,500 bonus only)
- Vectra Bank Colorado: Colorado only ($1,500 bonus only)
- Zion’s Bank: Utah, Idaho or Wyoming (no bonus)
- National Bank of AZ: Arizona ($2,000 bonus)
Card Details
- Amazing cash & rewards earn at the following rates:
- 3% cash back on cellular services, internet, office supplies, telecommunications (landline), and cable
- 2% cash back on airlines and car rentals
- 1% cash back on other purchases
- No annual fee
- 0% Intro APR for 6 months on new purchases
Our Verdict
Standard sign up bonus is $250/25,000 points after $2,500 in spend and these cards have long been listed on our best cash sign up bonus pages, unfortunately it seems not all banks that issue these AmaZing business cards are offering the increased bonus. These cards do not report to your personal report, good for those trying to stay under 5/24. Obviously a great bonus, unfortunately we don’t know a lot about any of these banks so please share your experiences in the comments.
Hat tip to reader @Z6CG4dF8idG9EL
Post history:
- Update 11/10/19: They are all back to $1,000 apart from California which is $500. Hat tip to culdeus
- Update 2: Looks to be Utah, Idaho or Wyoming
- Update 9/25/19: It looks like Zion is offering a $1,000 bonus to everybody in AZ, CA, CO, ID, NV, NM, TX, UT, or WY. Hat tip to churnandburn58
- Update 8/22/19: Arizona is back to a $1,000 bonus.
- Update 3/19/19: Some are offering a bonus of $500 again. This isn’t as good as the previous bonus of up to $1,000 they have offered in the past. Fine print says the offers expire on 6/33/2019, I assume they might mean 6/23/19 or 6/13/19?
- Update 09/23/18: Bonuses are back for 2018! Hat tip to reader BarryEgansPudding. Valid until November 30th, 2018
- Originally posted on 10/9/17, reposting on 10/31/17 because the bonus is also available at Vectra Bank in Colorado.
struck out on bmo #2 and pnc. This is the last card on my todo list until june 2025. the application was involved shall we say. but it went through, i am under review.
TL;DR: This is a weird bank with very poor customer communication, but I got a card in the end with no documentation requirements.
Successful application DP (Amazing Cash; $1000 on $5000 spend bonus offer in California, exp. 11/30/24):
Went into California Bank and Trust branch in So. Cal. to apply. Talked to business banker because I was worried about intrusive documentation requirements. I have a legitimate 20-year old sole proprietorship as a licensed professional, but did not really want to give the bank tons of granular financial information for a credit card.
Key points:
(a) Banker said that to avoid intrusive documentation requests, one should apply for a credit limit of less than $10,000. If you do, most applications are underwritten on a stated income basis. (This worked for me.)
(b) Banker also stated that there is no advantage to applying in branch, as nothing is verified during the process. He just filled out the same application on the website that I would have filled out at home.
(c) Application seemed to require an EIN, not just an SSN. Not an issue for me, but FYI.
(d) Banker said offer merely required applying before the expiration date, as approval date is out of your control.
Here’s my chronology (possibly longer than most due to intervening Thanksgiving holiday):
11/25/24 Applied in branch. Received Docusign forms shortly thereafter, and verified my identity by uploading DL.
12/3/24 Experian pulled. 4/12 on Experian prior to this pull. Experian FICO 773. Much higher FICO on Equifax and Transunion due to lack of recent pulls there.
12/4-12/5/24 No communication from bank and no documents requested.
12/6/24 Received a phone call from a random business banker in a completely different part of the state asking me whether, in light of my card approval, I had any additional business banking needs. No formal approval notice from the bank.
12/15/24 Card arrived by mail. No information about bonus, credit limit, or how to sign up for online login enclosed.
12/16/24 Call CS to confirm that I qualified for bonus offer (I did), find out what my credit limit was, and set up online access. Online access set-up required assistance from phone CSR; you cannot do it yourself. Also found out that card does not come with a cash advance feature, so at least no need to worry about reducing the CA limit.
P2, who applied a couple of days after I did, is still waiting to hear after calling for a status update and finding out that the underwriters wanted more information. (Underwriters did not bother to contact her to tell her this!) Will update on her DP separately.
Did they ask you for any tax return documents? Would it possible to apply with just SSN as a sole-prop?
They didn’t ask tax return from me. LLC with EIN
P2 was asked for tax returns during recon after initially being denied (she was approved in recon). I have not yet posted her complete DP because a lot of stuff happened and I need to write it all up.
Applied Monday in California thru Cali Bank & Trust. Went pending. Called the bank 2.5 hours later and was told my application won’t be available to them at least until the next day. And then 7-10 more days to have the card mailed. I told them I wish to withdraw my credit card application (I needed the card “yesterday”). Was told the application will be withdrawn yet the credit pull might still happen.
I went to apply for a Chase card (which is already here and I am using it already).
Thursday morning (three days after my application) these guys pull my credit.
Seriously?!
Zion website: “Business must be headquartered in one of the following states: Idaho, Utah or Wyoming to apply”
are these card promotion is application for business in Florida?
https://www.nbarizona.com/business/business-credit-cards/amazing-cash-back-card/
i did this in 2017 and can confirm how difficult it is. its a great bonus though (california). they seemed annoyed when i asked them to send the bonus as a check so i just spent it down. although i see no language that would prevent me from doing it again, i bet they would find a reason not to give it to me.
Fine print has 48 month language so you should be fine.
Has anyone tried funding bank accounts with this card? Did it post as purchase or cash advance? Thanks!
Didn’t use it for cc funding
Does anyone know if they report to Personal Credit Reports?
Amergy Bank back to $1,000 after spending $5,000. Applied for the cash card although maybe should have done rewards card since they do have a small annual boost based on spend. Business must be headquartered in Texas per app.
Update: application declined after calling to inquire re status, they will send letter in mail with details.
Stopped by branch close to work as haven’t received letter yet, apparently they need recent tax returns with schedule C to re process and denied
Just went to app for the Vectra Bank $1k for $5k spend card.
But the offer is down to 50,000 points (= $500) as of 2/9/24.
Not worth it. Hope the higher offers come back.
Vectra is back up to 100,000 points = $1k as of 3/3/24.
Did you end up applying? I wonder if it shows up on personal credit report. And which bureau did they pull? Thanks
I did. They pulled EX.
Applications (if accepted) are all reviewed by an underwriter. They ask a lot of questions about your business, and you should be prepared to discuss them when the underwriter gets back to you.
Mine was accepted and I received an email with DocuSign immediately.
Returned DocuSign. Got reply:
“Applications are generally decisioned between 2-3 business days”
“If approved, your card(s) and credit card agreement will be mailed to you within 7-10 days”
UW left a message a few days later but I hate phone interviews and her questions were so annoying I put my application on the backburner and applied for another CIU.
Instant approval for CIU so I no longer needed the extra $5k spend and I abandoned the Vectra application. 30 days later they closed it.
I am 99% sure this card would not report on personal CRAs.
I think I would have been approved if I’d gone through with the interrogation. If I ever run out of other biz card options I’ll probably re-apply.
Thanks so much
Karl ! The phone interview sounds annoying. I saw this card on DoC a while ago but didn’t apply due to the lack of information on it. A couple of days ago the bank who opened my business account emailed me the card offer asking whether I wanted to call him to apply, so it was brought up to my attention again. I was declined for CIU three times in the last three months, so I am considering this card. I need to decide whether it is worth to go through the interrogation.
Did you do the Signify? You can freeze EX (or even 2 bureaus) and WF will pull something else. Or maybe a BoA biz card? They pull TU for me.
That way you could let your EX cool off before you hit Vectra or Chase.
Thanks
Karl ! Yes I opened the Signify a couple of months ago after a CIU denial, and opened a BOA biz card at the beginning of this year after another CIU denial. I am not sure whether one can have multiple Signify and BOA.
I wish I knew to freeze EX before applying for Signify. I don’t remember which one the BOA pulled, Signify and my multiple CIU denials all pulled EX and my EX got quite some hit. I wonder if I freeze EX before applying for Vectra whether they can pull EQ or TU instead.
You can have multiple BoA biz (but they pull your biz report so they can see if you’re floating balances).
You can have multiple US Bank biz cards too. US Bank biz pulls TU for me.
It’s possible you could get a second Signify for a separate business with a different TIN. I haven’t heard of anyone with 2 but I might try it.
Good to know that they pull the biz report. I am floating balance on BOA, US Bank and Chase cards right now, I wonder if that was part of the reason why Chase kept denying me this year. I did pay off half the balance on my Chase card before I last applied a couple of weeks ago but it didn’t seem to make a difference though, still a denial.
Is there a place where I can pull my business report to see what is there?
I am thinking to freeze EX before calling the banker to apply for Vectra. If they can pull another one, good, if they can’t then I go unfreeze EX for them. Usually I don’t like to apply for account over the phone, but I just looked at their website and didn’t see the offer. The banker emailed me a flyer of it, it appears to be an over-the-phone or in-branch offer.
Sounds like a good plan to freeze EX and try Vectra.
The offer was online when I applied but they keep changing it. Weird bank.
Chase doesn’t seem to care much about the float (I got my last one with the previous 2 almost maxed out!). But they do care about maximum exposure.
For a good chance of auto approval your total CL across all Chase cards (personal + biz + the one you’re applying for) should be less than 50% of your household income.
You can close >1yo biz cards to get under 50%, or SM for limit reductions.
They don’t care about total CC limits, only total Chase card limits.
They’ve also been getting stingier if you have more than 3-4 Chase biz cards open. 3 is best. So I’ve been keeping 4 Inks, closing the oldest when it hits 12 months, then opening a new one a couple weeks later. You can still get almost 4 per year that way.
I have 3 Inks now, and I am having a hard time getting the 4th. I closed 2 personal chase cards and reduced CL on one Ink before my last application but it still turned into a denial. The reducing CL trick worked for me last year on an Ink application, but this year Chase seemed to beome more strict. I have 1 Ink that will reach 12 months mark in October, I’ll probably close it and try again.
They have gotten stricter this year for sure, because CC default rates are up. But you did everything right so I’m surprised they didn’t approve your 4th.
I got approved for a 4th in August but with a lower CL than usual… I’m planning on another in November but if it doesn’t work I’ll have to wait to February to get under 3 open.
I bet you’ll get approved in October. But if you get denied with just 2…
That would be really bad news. Probably would mean the train is stopped until default rates drop.
Did you try Vectra?
I was surprised too that they didn’t approve my last application, since after I closed card and reduced the CL on other cards, my ratio was a lot better then when my 3rd card was approved.
I applied for Vectra in branch today. I did find the same card offer online after some look, but the banker said he’d like me to apply in branch with him if possible. I was not sure whether it was a better chance to get approved in branch or the branch needed to get a certain number of application or for whatever reason. The in-branch application was not instant, the banker filled out the application and sent it to underwriting. I don’t see my credit pulled yet, it will probably take a couple of days before underwriting gets to it. I did ask the banker if it was ok to have EX frozen and had them pull other reports, but he said they only pull EX, so I thawed EX for them.
Did you get approved?
Yes I did. The card arrived two days ago. The disclosure that came with the card didn’t mention the promotion though, I am planing to call the banker to verify that I was enrolled in the offer. Also I was debating whether to try this card with cc funding, I could not find any DPs on it.
Hey, that’s great! Maybe worth testing funding on the next one one that only allows $500 or so? I’ve never seen a DP on that either; I think you’d be the first.
If you want a TU puller between now and your next Ink… I just got a 3rd USB approval 5 minutes ago. 1 Leverage + 2 TC, all same biz. Paid off the other 2 before app. But I still had high 0% floats on 6 other biz cards so I guess they either don’t look or don’t care.
Thanks
Karl ! I just opened an account with $500 cc funding several days ago, right before the Vectra card arrived. I’ll wait for the next opportunity 🙂
After meeting the requirement for the Vectra card, I am definitely interested a TU pulling card. I am kind of giving up on Ink, they denied me three times in the past three months even after I closed some cards, reduced my credit limit and paid off some cards.
I currently have two USB Biz Triple Cash cards, one from April, the other from July, I am floating $5k ish on either of them. I am floating the 0% apr balances on some other cards as well. I am not sure whether USB would give me a third card but I guess it is worth a try.
This is similar to me right now…applied for Signify in-branch (ugh!) today. Pulled EXP and was denied due to inquiries.
Considering freezing EXP and TU to see if a BofA biz card through EQ works…then unfreezing EXP and trying on of these through CA Bank & Trust
Did WF make you thaw EX in branch?
Please do try freezing both with BoA. I would love to see your DP! I had no clue you could freeze both for WF (at least online) until I tried so you never know.
Are you pushing velocity with USB too? Or just too many TU inquiries? You might be able to get 2 the same day for 1 TU because the inquiries usually combine.
Thanks for the DP…do you mind sharing how many Exp inquiries you have in last 12 mos (my score and income are fantastic, but velocity is catching up w me…needing to pace Chase, Cap 1 is ridiculous, have a lot of Citi and Amex)
Seven before Vectra I think. Does the number of inquiries matter? Chase always denied me saying too much CL and new cards but did not mention inquires.
They didn’t ask for any of those from me, other than a filled out application. I had a business checking with them.
Now I wonder whether I should wait for the business checking bonus to return and do that first before trying for this card.