4 March 2024

Traveling? Check out these 8 awesome business credit cards!

By Ronald Smith

Looking for a credit card that’s perfect for business travel? Well, you’ve come to the right place! I’ve got 8 fantastic options for you to consider. So, let’s dive right in and discover the best card for your business adventures!

The Platinum Card® from American Express

Are you ready to experience the perks of being a platinum cardholder? With the Platinum Card® from American Express, you can enjoy exclusive benefits like airport lounge access, hotel credits, and even 5X Membership Rewards® points on flights and prepaid hotels booked through amextravel.com. Wow, talk about living the high life!

Chase Sapphire Preferred® Card

Imagine earning double points on travel and dining, along with valuable transfer partners. With the Chase Sapphire Preferred® Card, it’s possible! Plus, you’ll have the freedom to redeem your points for travel rewards, gift cards, or even cash back. Now that’s what I call flexibility!

The Business Platinum Card® from American Express

If you’re a frequent traveler, The Business Platinum Card® from American Express might be just what you need. This card offers perks like airport lounge access, a Global Entry or TSA Pre✓® fee credit, and a 35% airline bonus when using Membership Rewards® Pay with Points. With all these benefits at your fingertips, traveling for work will never be the same again!

Capital One Spark Miles for Business

Ready to earn unlimited 2X miles on every purchase? With the Capital One Spark Miles for Business card, that dream can become a reality. Plus, you’ll also receive a one-time bonus and have the option to redeem your miles for travel-related expenses. So, start racking up those miles and watch the rewards pour in!

Marriott Bonvoy Business™ American Express® Card

Calling all Marriott Bonvoy fans! The Marriott Bonvoy Business™ American Express® Card is made just for you. Earn points on your everyday business purchases and redeem them for stays at incredible Marriott hotels worldwide. Not to mention, you’ll also receive complimentary Silver Elite status and free in-room Wi-Fi. Now that’s what I call a win-win!

United Club℠ Infinite Card

Looking for a credit card that gives you access to exclusive United Club lounges? Well, look no further than the United Club℠ Infinite Card. Not only will you receive lounge privileges, but you’ll also earn valuable United MileagePlus® miles on every purchase. Talk about flying in style!

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

For all you American Airlines enthusiasts out there, the CitiBusiness® / AAdvantage® Platinum Select® Mastercard® is a must-have. Earn AAdvantage® miles on eligible American Airlines purchases and enjoy benefits like priority boarding and your first checked bag fee waived. It’s time to take your business trips to new heights!

Delta SkyMiles® Platinum Business American Express Card

Last but not least, we have the Delta SkyMiles® Platinum Business American Express Card. With this card in your wallet, you’ll earn miles on every eligible purchase and enjoy perks like priority boarding, a first checked bag fee waiver, and access to Delta Sky Clubs®. So, get ready to soar through the skies with style!

Alright, there you have it – 8 amazing business credit cards that are perfect for your travel needs. Now it’s up to you to choose the one that suits you best. Happy travels!

Traveling? Check out these 8 awesome business credit cards!

If you’re wondering why you should consider getting a business credit card for travel, I’ve got some answers for you. I understand that not every small business owner needs this type of credit card. However, if most of your expenses involve airfare, hotels, and rental cars, then a travel rewards-focused card might be perfect for you.

Now, let me explain what exactly a business travel credit card is. If you’re running a small business or you’re a sole proprietor, it’s important to have a clear separation between your personal and business credit cards. Business credit cards are specifically designed for business expenses and can help you keep things organized.

A business travel card is specifically tailored for small business owners who spend a significant amount of money on travel purchases. By using this card, you’ll earn travel rewards in the form of points for every dollar you spend on eligible purchases.

So, why should you consider getting a business credit card for travel? Well, here are a few reasons to consider:

1. Earn Travel Rewards: By using a business travel credit card, you can accumulate points that can be redeemed for travel-related expenses such as flights, hotels, and car rentals. This can help you save money on your business trips and make them more affordable.

2. Separation of Expenses: Having a separate credit card for your business travel expenses makes it easier to track and manage your spending. This can help you keep your personal and business finances separate, which is important for tax purposes and overall financial organization.

3. Additional Benefits: Many business travel credit cards come with additional perks and benefits such as airport lounge access, travel insurance, and concierge services. These extra features can enhance your travel experience and provide added value.

4. Expense Tracking and Reporting: Business credit cards typically come with expense tracking and reporting tools that can simplify your accounting processes. This can save you time and effort when it comes to managing your business finances.

Remember, a business credit card for travel might not be the right choice for every small business owner. But if travel expenses make up a significant portion of your business spending, a travel rewards-focused card could be a valuable tool for you.

Let me tell you why it’s important to have a business credit card for travel:

  • When you make eligible purchases, you’ll earn rewards and bonuses. That’s a pretty nice perk, don’t you think?
  • Not only that, but you’ll also enjoy discounts on travel-related purchases. It’s like getting a sweet deal every time you book a trip!
  • And here’s something cool: along with those deals and discounts, you’ll also have insurance coverage for rental cars. That means peace of mind when you hit the road.
  • Plus, you’ll have purchase protection on all your expenses. So if something goes wrong with a transaction, you’re covered.
  • Oh, and here’s the cherry on top: there are different types of business credit cards, so you can choose one that focuses on giving you discounts on gas purchases. Saving money at the pump? Yes, please!

So, how do you pick the best business credit card for travel?

  • Watch out for those foreign transaction fees. They can add extra costs to your purchases, ranging from 1 to 5%.
  • Rewards – When you use this credit card, you have the opportunity to earn membership rewards points. Every dollar you spend can earn you these points, which can then be used in different ways. You can use them to lower your credit card bill or get discounts on new purchases. Some cards even offer cash back when you use them at certain partner businesses. For instance, the American Express Business Gold Card from American Express (which you can see more about below) gives you credits when you make purchases at Dell, Indeed, and for wireless telephone services.
  • Purchase Protection – With purchase protection, you can have some extra insurance for your purchases. This means that if something happens to the things you buy, like airfare, lodging, or rental cars, you’ll be covered and can get help to sort things out.

Let’s talk business credit cards. Some of them have an annual fee, but don’t worry, there are benefits that come with it. Take the Hilton Honors American Express card, for example. It has a $95 annual fee, but if you spend $3,000 in the first 3 months, you get 130,000 bonus points. That’s a pretty sweet deal.

If you do a lot of driving for your small business or have a fleet of vehicles, you might want to consider a card that offers cashback on gas purchases. The Chase Freedom Unlimited and Discover IT cards are good options to look into. Check out the specifics on those cards below.

Now, let’s dive into the 8 best business travel credit cards. Here are some key details:

1. Chase Ultimate Rewards Freedom Unlimited:

– APR: 15.24-23.99 variable

Stay tuned for more awesome credit card options!

Annual Fee: $0

Let me tell you about the awesome Chase Ultimate Rewards. When you use this card, you’ll earn 5% cash back on all your travel expenses, and an extra 3% cash back on dining. Oh, and guess what? You can also earn 5% cash back on your gasoline purchases, as long as it’s up to $6,000. No need to worry about foreign transaction fees either!

You should also check out the Chase Ink business preferred credit card. It’s another great option. With this card, you can get free employee cards and even set individual spending limits. Cool, huh? But wait, there’s more! The Chase Venture Rewards credit card is also worth considering. When you use it, you’ll earn 2 miles for every dollar you spend.

2. American Express Business Platinum Card

APR: 14.99-22.99

Annual fee: $0

Let’s talk about the amazing benefits you’ll receive with the American Express business card platinum membership. When you become a member, you’ll earn multiple rewards points for every dollar you spend. It’s like a supercharged way to earn rewards!

With the platinum business American Express card membership, you’ll get 5X points when you book flights and prepaid hotels. That means for every dollar you spend on flights and hotels, you’ll earn five times the usual amount of points. How cool is that? Plus, you’ll earn 1.5X points on select business categories, such as shipping purchases, eligible delivery services, and shipping providers. And if your purchase is $5,000 or more, you’ll earn 1.5X points on those too. It’s a win-win situation!

But that’s not all! When you open an American Express business card account, you’ll receive some awesome credits to use. You’ll get a $400 credit specifically for Dell purchases, so you can buy that new computer you’ve been eyeing. You’ll also get $360 for Indeed search engine advertising, which can help boost your business. And to top it off, you’ll receive $120 for wireless telephone services and cloud system providers. It’s like getting free money to use towards these important services!

Now, let’s talk about the amazing travel perks. When you fly, you’ll be treated like a VIP with Global Entry. This means you won’t have to wait in those long security lines at the airport. Instead, you’ll get access to a comfy lounge where you can relax and wait for your flight to be called. It’s the ultimate way to travel in style!

3. Hilton Honors Business Card

Let’s move on to the Hilton Honors Business Card. This card offers some fantastic benefits that you don’t want to miss out on. Are you ready?

APR: 16.49-25.49

Annual fee: $95

If you’re looking for another business card from American Express, the Hilton Honors card membership might be a great choice. With this card, you’ll earn 12X Hilton Honors bonus points at Hilton hotels and 6X points at restaurants. Plus, if you spend $3,000 on hotels, restaurants, and other purchases (like office supply stores) during your first 3 months with the card, you’ll receive a fantastic bonus of 130,000 points. And that’s not all – you can even get an extra free night award after making specific amounts of lodging purchases.

4. American Express Business Gold Card

Annual Percentage Rate (APR): 14.99 – 22.99

Annual fee: $295

This particular American Express business card may have a higher annual fee, but it allows you to focus on earning points in the areas where you spend the most. For example, you’ll earn 4X points in your two chosen categories. Another great perk is that you can use your points to pay for airfare and receive 25% of those points back as credit.

5. Bank of America Business Advantage Travel Rewards World Mastercard

Interest Rate: 12.49 – 22.49

Yearly Fee: None

When you activate the Bank of America card, you’ll receive a bonus of 30,000 points. You’ll earn 1.5% on all of your purchases and 3 points for every dollar spent on travel. If you have a business checking account with Bank of America, you’ll earn 75% more points (2.62 points for every dollar spent) on travel and other purchases.

6. Discover IT

Interest Rate: 12.24 – 23.24

Yearly Fee: None

Let me tell you about the Discover It card. It’s pretty cool because you can earn cashback on certain purchases. When you buy gas or dine out, you’ll get 2% cashback, up to $1,000 each quarter. And for other purchases, like office supplies and phone services, you’ll still get 1% cashback.

But that’s not all! You also earn 1.5 miles for every dollar you spend once you pay for your eligible purchases. So, you’ll be getting rewards while you shop.

Oh, and here’s something awesome – at the end of your first year with the card, and every year after that on your card account anniversary, you’ll get something called the Discover Cash Back Match. It basically means that they’ll match all the cashback you earned. It’s like double the rewards! You can use the cashback as statement credits, which is pretty handy.

7. Southwest Rapid Rewards Performance Business credit card

Let’s talk about the Southwest Rapid Rewards Performance Business credit card now. It’s a pretty nifty card, too.

First, let’s look at the APR. It’s between 16.24% and 23.24%. That’s the interest rate you’ll have to pay on any balances you carry on the card. It’s good to know so you can plan your payments accordingly.

Next, there’s an annual fee of $69. That’s the cost to have the card for a year. It’s important to consider if the benefits of the card outweigh the fee.

If you have the Chase Southwest Rapid Rewards Performance card, you’ll earn twice the points on Southwest purchases and one point on purchases from other airlines. Every year, on your account anniversary, you’ll receive 3,000 points. You can earn up to 40,000 points on qualifying purchases, including internet, cable, and phone services. You can use these points for travel purchases or as a statement credit.

8. Delta SkyMiles Reserve Business

APR: 16.49 – 25.49

Annual fee: $550

If you choose the Delta SkyMiles card, you’ll get a bonus of 60,000 miles plus an additional 10,000 qualification miles if you spend $4,000 within the first 3 months of having the card. With Delta, you’ll earn three miles for every dollar you spend, up to $150,000. After that, you’ll earn 1.5 miles for every dollar. And don’t worry about baggage fees for your first checked bag!

How to Get a Business Travel Credit Card

  1. I’m going to tell you exactly what to do to apply for a business travel credit card. First, visit the websites we’ve listed here. Take a look at the different cards they offer, but feel free to explore and see if there’s another card that would work better for you.
  2. Next, you’ll need to fill out an application. This application will ask for information about your income. The credit card company will then take a look at your creditworthiness to determine if they can approve your application.
  3. Your creditworthiness is a really important factor. It will determine the interest rate you’ll get on the card. This rate can be low, somewhere in the middle, or high.
  4. Here’s a little insider tip for you: Sometimes credit card companies offer a special bonus when you sign up for a new card. So keep an eye out for any sign-up deals that might be available.
  5. Once you have received your new card, it’s time to activate it. Follow the steps provided by the credit card company to activate your card and start using it for your business travel needs.

Which credit card is the best for business travel?

When it comes to traveling for business, there are different things I need depending on my role. For instance, I might be a salesperson who flies often and rents cars, or maybe I’m a small business owner who drives to make sales calls or pick up products.

That’s why I choose Chase Freedom Unlimited – it offers the flexibility I need. With this card, I can earn 5% cashback on travel expenses, including airfare and rental cars, as well as 5% cashback on gas purchases.

Take a look at our card descriptions and find the one that suits your business needs. For example, if you’re based in Atlanta and frequently fly, a Delta Skymiles card might be a good choice since you’ll be flying out of a Delta hub. Or if you like the idea of getting an annual cashback match, the Discover IT card is worth considering.

Can I use business credit card points for personal travel?

Yes, you can. However, it’s important to note that you shouldn’t try to claim personal travel expenses as business expenses.

If you decide to use your points for personal travel, it means you won’t be able to use them for business purchases.

Can corporate travel cards impact your credit score?

No, a business credit card doesn’t affect your personal credit score. However, if you don’t pay the amount owed on time or make late payments, it can affect your ability to get loans for your business.

If you have a low personal credit score, it’s a good idea to get a pre-paid or deposit secured credit card. This card will be used exclusively for business purposes. By making regular and timely payments, you can start improving your personal credit score. Additionally, using the card only for business will help you keep track of your expenses and costs accurately.

Do I need to inform my business credit card company when I travel?