Choosing the best business travel credit card can help you maximize rewards, enjoy travel perks, and easily manage your expenses. With a variety of options available, it’s important to find the card that suits your needs. In this article, we will explore the top business travel credit cards and provide you with the information you need to make an informed decision.
When it comes to business travel, having the right credit card can make all the difference. Not only can it help you earn travel rewards on your business expenses, but it can also provide you with valuable travel perks like airport lounge access and travel insurance. Whether you’re a frequent traveler or just starting out, finding is essential for small business owners.
Key Takeaways:
- Choose the maximize rewards and enjoy travel perks.
- Consider factors like annual fees, rewards rates, and intro offers when comparing cards.
- Look for cards that offer benefits tailored to your business’s spending habits and travel preferences.
- Manage your expenses easily with a business travel credit card.
- Find the card that offers the most value for your business.
Ink Business Preferred® Credit Card
The Ink Business Preferred® Credit Card is a top choice for small business owners looking to earn travel rewards. This card offers a range of benefits, including a generous rewards rate and a valuable introductory offer. Let’s take a closer look at what sets this card apart.
Rewards Rate
The Ink Business Preferred® Credit Card offers a rewards rate of 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. This means that every time you make a eligible purchase, you’ll earn valuable points that can be redeemed for travel rewards.
Introductory Offer
“Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.”
The Ink Business Preferred® Credit Card also features a generous introductory offer of 100,000 points after you spend $8,000 on purchases in the first 3 months from account opening. This is a significant bonus that can help you jumpstart your travel rewards and maximize the value of your card.
Annual Fee
It’s worth noting that the Ink Business Preferred® Credit Card does have an annual fee of $95. However, considering the rewards rate and introductory offer, this fee is easily offset by the value you’ll receive in return.
| Feature | Ink Business Preferred® Credit Card |
|---|---|
| Rewards Rate | 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year |
| Introductory Offer | 100,000 points after spending $8,000 in the first 3 months |
| Annual Fee | $95 |
The Blue Business® Plus Credit Card from American Express
When it comes to business travel credit cards with no annual fee, The Blue Business® Plus Credit Card from American Express stands out as a top choice. With its straightforward rewards program and introductory APR offer, this card offers great value for small business owners.
The Blue Business® Plus Credit Card earns 2X Membership Rewards® points on everyday business purchases, making it easy to accumulate points for future travel or other rewards. Whether you’re purchasing office supplies, advertising services, or even paying for client dinners, every dollar spent earns you double the points. This makes it an ideal choice for businesses that have a variety of expenses.
In addition to its rewards rate, The Blue Business® Plus Credit Card also offers a 0% introductory APR on purchases for the first 12 months. This can be particularly beneficial for businesses looking to make large purchases or invest in equipment without incurring interest charges. It provides a financial buffer and flexibility to manage cash flow effectively.
The Blue Business® Plus Credit Card Highlights:
- Earn 2X Membership Rewards® points on everyday business purchases
- No annual fee
- 0% introductory APR on purchases for the first 12 months
Table: Comparison of No Annual Fee Business Travel Credit Cards
| Card | Rewards Rate | Introductory APR |
|---|---|---|
| The Blue Business® Plus Credit Card from American Express | 2X Membership Rewards® points on everyday business purchases | 0% on purchases for the first 12 months |
| Bank of America® Business Advantage Travel Rewards World Mastercard® credit card | 1.5 points per dollar on all purchases | 0% on purchases for the first 9 billing cycles |
| Capital One Spark Miles for Business | 2X miles per dollar on every purchase | N/A |
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Business Platinum Card® from American Express
The Business Platinum Card® from American Express is the ultimate credit card for those seeking premium travel perks. With its $695 annual fee, this card offers a plethora of benefits that cater to frequent travelers and business owners who want to elevate their travel experience. Let’s take a closer look at what this card has to offer.
Card Features
The Business Platinum Card® from American Express provides cardholders with an array of premium travel perks, making it perfect for those who value comfort and convenience during their trips. Some of the standout features of this card include:
- Complimentary Airport Lounge Access: Gain access to over 1,300 airport lounges worldwide, including Centurion Lounges, Priority Pass™ Select lounges, and more.
- Airline Fee Credit: Receive up to $200 in statement credits per calendar year for incidental fees charged by your selected airline.
- Global Entry or TSA Pre✓® Fee Credit: Get a statement credit for the application fee for either Global Entry or TSA Pre✓® once every four years.
- Fine Hotels & Resorts® Program: Enjoy benefits like room upgrades, complimentary breakfast, and late checkout, among others, when you book through the Fine Hotels & Resorts® program.
- Membership Rewards® Points: Earn 5X Membership Rewards® points on flights and prepaid hotels when booked through amextravel.com, and earn 1.5X points on eligible purchases of $5,000 or more.
Introductory Offer
“Apply for the Business Platinum Card® from American Express and earn 120,000 Membership Rewards® points after spending $15,000 on eligible purchases within the first three months of card membership.”
The Business Platinum Card® from American Express is designed to cater to discerning travelers who value premium travel benefits and rewards. While the $695 annual fee may seem steep, the extensive range of perks and rewards offered by this card more than compensates for the cost. Whether it’s airport lounge access, hotel privileges, or generous rewards on flights and prepaid hotels, this card is designed to enhance your travel experience and provide you with exceptional value.
Table: Business Platinum Card® from American Express Key Features
| Annual Fee | Rewards Rate | Introductory Offer |
|---|---|---|
| $695 | 5X Membership Rewards® points on flights and prepaid hotels | 120,000 points after spending $15,000 in the first 3 months |
Southwest® Rapid Rewards® Performance Business Credit Card
For small business owners who frequently travel domestically, the Southwest® Rapid Rewards® Performance Business Credit Card offers a range of benefits. With a $199 annual fee, this card is designed to help you earn and redeem rewards for your domestic flights.
Earning Rapid Rewards
With this card, you’ll earn 4X points on Southwest purchases and 3X points on Rapid Rewards hotel and car rental partners, allowing you to accumulate rewards quickly. These points can be redeemed for flights, hotel stays, gift cards, and more. Plus, there’s no limit to the number of points you can earn, giving you even more value.
Generous Introductory Offer
As an added bonus, the Southwest® Rapid Rewards® Performance Business Credit Card offers a generous introductory offer of 80,000 points after spending $5,000 in the first 3 months. This welcome offer can help you jumpstart your rewards balance and make your next trip more affordable.
Additionally, cardholders benefit from other perks such as in-flight Wi-Fi credits, upgraded boarding privileges, and no foreign transaction fees. These features enhance your travel experience and make this card a top choice for small business owners.
| Rewards | Annual Fee | Introductory Offer |
|---|---|---|
| Earn 4X points on Southwest purchases | $199 | 80,000 points after spending $5,000 in the first 3 months |
| Earn 3X points on Rapid Rewards hotel and car rental partners |
With its robust rewards program, generous welcome offer, and additional travel perks, the Southwest® Rapid Rewards® Performance Business Credit Card is an excellent choice for small business owners who frequently travel domestically. Start earning rewards today and make your next business trip even more rewarding.
IHG One Rewards Premier Business Credit Card
If you frequently stay at hotels for business travel, the IHG One Rewards Premier Business Credit Card is the ideal choice for you. This card offers exceptional rewards and benefits tailored specifically for hotel stays. With its competitive rewards rate and valuable perks, it can enhance your travel experience and save you money in the long run.
With the IHG One Rewards Premier Business Credit Card, you can earn up to 26 points per $1 spent at IHG hotels. This rewards rate allows you to accumulate points quickly, which can be redeemed for free nights, upgrades, and other exclusive benefits. Whether you’re staying at a Holiday Inn, Crowne Plaza, or InterContinental hotel, this card ensures that you’re getting the most out of your hotel stays.
In addition to its generous rewards program, the IHG One Rewards Premier Business Credit Card comes with an annual free night certificate. This valuable perk allows you to enjoy a complimentary night at any eligible IHG hotel worldwide, providing even more value for your annual fee. Furthermore, you’ll have access to exclusive VIP treatment, such as priority check-in, late checkout, and room upgrades, helping you make the most of your hotel experience.
Take advantage of the IHG One Rewards Premier Business Credit Card’s introductory offer, which can further boost your rewards. The details of the intro offer may vary, so be sure to check the latest promotions when considering this card. With its outstanding rewards rate, annual free night certificate, and other VIP treatment perks, the IHG One Rewards Premier Business Credit Card is the top choice for small business owners who frequently stay at hotels.
| Card Feature | Details |
|---|---|
| Rewards Rate | Up to 26 points per $1 spent at IHG hotels |
| Annual Fee | Varies, check the latest promotions |
| Introductory Offer | Varies, check the latest promotions |
| Additional Benefits | Annual free night certificate, VIP treatment perks |
With the IHG One Rewards Premier Business Credit Card, small business owners can enjoy a rewarding hotel experience while earning points to use towards future stays. The annual fee is worth the valuable rewards and perks that this card offers. Whether you’re a frequent traveler or occasional hotel guest, this card can elevate your business travel experience. Apply for the IHG One Rewards Premier Business Credit Card today and start enjoying the benefits it has to offer.
American Express® Business Gold Card: Flexible Rewards and Generous Intro Offer
The American Express® Business Gold Card is an excellent choice for small business owners seeking flexible rewards and a generous intro offer. With this card, you can earn 4X Membership Rewards® points on the two categories where your business spends the most each billing cycle. This allows you to maximize your rewards based on your unique spending habits.
One of the standout features of the American Express® Business Gold Card is its flexibility. Instead of being locked into specific categories for earning rewards, you have the freedom to choose where you want to earn the most points. This ensures that you can tailor your rewards to fit the needs of your business, whether that’s earning extra points on advertising, shipping, or dining expenses. With the ability to earn 4X points on these categories, you can quickly accumulate Membership Rewards® points to redeem for travel, merchandise, or statement credits.
In addition to flexible rewards, the American Express® Business Gold Card also offers a generous welcome offer of 75,000 points after spending $10,000 in the first 3 months. This intro offer provides a significant boost to your rewards balance right from the start. Whether you’re looking to book a business trip or offset expenses, these points can be incredibly valuable.
The American Express® Business Gold Card at a Glance
| Annual Fee | Rewards Rate | Intro Offer |
|---|---|---|
| $295 | 4X Membership Rewards® points on the two categories where your business spends the most each billing cycle | 75,000 points after spending $10,000 in the first 3 months |
When it comes to choosing a business travel credit card, the American Express® Business Gold Card stands out for its flexible rewards and generous intro offer. With the ability to earn 4X points on the categories that matter most to your business, you can maximize your rewards and save on travel expenses. Plus, the welcome offer of 75,000 points provides a valuable head start. Whether you’re a small business owner looking to streamline expenses or a frequent traveler in need of flexible rewards, this card is worth considering.
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card is our top pick for a business travel card with no annual fee. This card offers excellent rewards and benefits without the burden of an annual fee, making it a great choice for small business owners looking to maximize their travel rewards.
Card Details
The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card allows cardholders to earn unlimited 1.5 points for every $1 spent on all purchases. These points can be redeemed for a variety of travel expenses, including flights, hotels, car rentals, and more. Additionally, there is no foreign transaction fee, making it an ideal card for international business travel.
Introductory Offer
As an added bonus, new cardholders can earn a generous intro offer of 30,000 points after spending $3,000 in the first 90 days of account opening. This provides an excellent opportunity to quickly accumulate points and jumpstart your travel rewards.
| Card Benefits | Details |
|---|---|
| No Annual Fee | No annual fee, allowing you to enjoy the card’s benefits without any additional cost. |
| Rewards Rate | Earn unlimited 1.5 points for every $1 spent on all purchases, with no cap on earnings. |
| Intro Offer | 30,000 bonus points after spending $3,000 in the first 90 days of account opening. |
With its competitive rewards rate, no annual fee, and attractive intro offer, the Bank of America® Business Advantage Travel Rewards World Mastercard® credit card is an excellent choice for small business owners looking to earn travel rewards without incurring additional costs. Apply for this card today to start maximizing your business travel benefits.
Capital One Spark Miles for Business
The Capital One Spark Miles for Business card is an excellent choice for small business owners looking to earn travel rewards. With a $0 intro annual fee for the first year, then $95, this card offers a competitive rewards rate of 2X miles per dollar on every purchase. Whether you’re booking flights, hotels, or other travel expenses, the Spark Miles card allows you to earn miles that can be redeemed for a variety of travel-related expenses.
One of the standout features of the Capital One Spark Miles card is the generous intro offer of 50,000 miles after spending $4,500 in the first 3 months. This bonus can help jumpstart your travel rewards earnings and provide significant value right from the start. Additionally, the card offers flexible redemption options, allowing you to use your miles with any airline or hotel without blackout dates.
When it comes to managing your expenses, the Capital One Spark Miles card offers robust tools and features. You can easily track and categorize your business expenses using the Capital One mobile app, making it convenient to stay on top of your finances. Plus, the card provides fraud protection and travel accident insurance for added peace of mind while you’re on the go.
Benefits of Capital One Spark Miles for Business:
- Competitive rewards rate of 2X miles per dollar spent on every purchase
- Generous intro offer of 50,000 miles after spending $4,500 in the first 3 months
- No blackout dates or restrictions on redeeming miles
- Flexible redemption options with any airline or hotel
- Convenient expense tracking and categorization with the Capital One mobile app
- Fraud protection and travel accident insurance for added security
With its attractive rewards program, generous intro offer, and convenient expense management tools, the Capital One Spark Miles for Business card is a top choice for small business owners seeking travel rewards. Apply today and start earning miles to take your business travel experiences to new heights.
Business Travel Credit Card Comparison
When it comes to business travel, having the right credit card can make all the difference. Business travel credit cards offer a range of benefits, rewards, and travel perks that can help you save money, earn points, and enjoy a more comfortable travel experience. In this section, we will compare the key features of the top business travel credit cards to help you find the best one for your needs.
When comparing business travel credit cards, one of the most important factors to consider is the rewards program. Look for cards that offer generous rewards rates on travel and business-related expenses, as well as bonus categories that align with your spending habits. The ability to earn points or miles quickly can help you maximize your rewards and earn free travel faster.
Another key consideration is the range of travel perks offered by each card. Look for benefits such as airport lounge access, travel insurance coverage, priority boarding, and elite status with hotel or airline loyalty programs. These perks can greatly enhance your travel experience and make your trips more enjoyable and stress-free.
Lastly, take into account the annual fee and any introductory offers provided by the card. While some cards may have higher annual fees, they often come with additional benefits and rewards that can outweigh the cost. On the other hand, cards with no annual fee can still offer competitive rewards and perks. Additionally, be sure to consider any introductory offers, such as bonus points for meeting a spending threshold within the first few months.
Best for premium travel perks
Optimal for premium travel perks, select credit cards offer exclusive benefits like airport lounge access, travel insurance, and concierge services. These cards often provide generous rewards for travel-related expenses, such as airfare and hotel stays, enhancing the overall travel experience. With features like priority boarding, complimentary upgrades, and luxury hotel partnerships, they cater to individuals seeking elevated travel privileges and a touch of luxury during their journeys.
Business card
A best business card is a small, portable card that typically includes an individual’s or company’s contact information, such as name, title, address, phone number, and email. Used in professional networking, business card offers easy exchange of information and help create lasting impressions in the business world.
Apply for a business credit
Applying for a business credit involves several key steps. Begin by establishing a strong business credit profile by incorporating your business and obtaining an Employer Identification Number (EIN). Maintain a separate business bank account.
Research and choose a suitable business credit card or loan based on your needs and creditworthiness. Prepare necessary documentation, including financial statements and business information. Submit a formal application to the chosen financial institution. A positive credit history, responsible financial management, and a compelling business plan can enhance your chances of approval and favorable credit terms.
Credit limit
A credit limit is the maximum amount of money a lender is willing to extend as credit to a borrower. It applies to credit cards and lines of credit. This limit is determined by various factors, including the borrower’s creditworthiness, income, and financial history. Exceeding the credit limit may result in fees or declined transactions. Responsible use and timely payments can contribute to credit limit increases, offering borrowers greater financial flexibility within the specified limit.
Rewards and Benefits Comparison
| Card | Rewards Rate | Annual Fee | Travel Perks |
|---|---|---|---|
| Ink Business Preferred® Credit Card | 3 points per $1 on travel and select business categories | $95 | Airport lounge access, travel insurance |
| The Blue Business® Plus Credit Card from American Express | 2X Membership Rewards® points on everyday business purchases | No annual fee | 0% introductory APR on purchases for 12 months |
| The Business Platinum Card® from American Express | 5X Membership Rewards® points on flights and prepaid hotels | $695 | Airport lounge access, travel insurance, concierge service |
| Southwest® Rapid Rewards® Performance Business Credit Card | 4X points on Southwest purchases, 3X points on Rapid Rewards partners | $199 | Priority boarding, inflight Wi-Fi credits |
By comparing the rewards, perks, and fees of the top business travel credit cards, you can find the one that aligns with your travel preferences and business needs. Consider your spending habits, travel frequency, and desired benefits to make an informed decision. Remember, the right business travel credit limit can help you save money, earn rewards, and enjoy a smoother travel experience.
Conclusion
Choosing the best business travel credit card is a crucial decision for small business owners. To make an informed choice, consider your business’s needs and spending habits. Evaluate factors such as annual fees, rewards rates, travel perks, and intro offers to find the card that offers the most value.
By selecting the right business travel credit card, you can maximize rewards and easily manage your expenses. Whether you frequently travel or are just starting out, there is a card that suits your specific requirements.
Make sure to take advantage of the variety of options available and find the business travel credit card that aligns with your goals. With the right card in your wallet, you can optimize your business travel experience and reap the benefits of travel rewards.
Also Read : Secure And Easy Upgrade Credit Card Login Guide
FAQs
A: The best business travel credit card for small business owners often depends on their specific needs. Some popular options include the American Express Business Platinum Card, the Chase Ink Business Preferred, and the United℠ Business Card.
Q: How can I choose the best business credit card for travel?
A: To choose the best business credit card for travel, consider factors such as rewards programs, travel benefits, annual fees, and the card issuer’s network of airline and hotel partners. Assessing your business’s specific travel needs can also help narrow down the options.
Q: What credit score is typically required to qualify for a business travel credit card?
A: The credit score requirements for business travel credit cards vary by issuer and card type. Generally, a good to excellent credit score (typically 670 or above) is preferred to qualify for the best business travel credit cards.
Q: How do I earn airline miles with a business travel credit card?
A: Many business travel credit cards allow cardholders to earn airline miles by making purchases on the card. Some cards may offer bonus miles for specific categories of spending, while others provide miles for every dollar spent.
Q: What are the typical rewards and benefits offered on business travel credit cards?
A: Rewards and benefits offered on business travel credit cards may include airline or hotel loyalty points, travel credits, airport lounge access, travel insurance, and statement credits for specific travel-related expenses such as baggage fees or in-flight purchases.
Q: How can I maximize the benefits of a business credit card for airline travel?
A: To maximize the benefits of a business credit card for airline travel, make use of perks such as free checked bags, priority boarding, and airline fee credits. Additionally, consider consolidating business travel expenses on the card to earn more rewards and benefits.
Q: Are there any business travel credit cards that offer rewards points after a certain spending threshold?
A: Yes, many business travel credit cards offer rewards points after cardholders spend a specified amount within the first few months of card membership. This incentivizes spending and allows cardholders to earn a significant amount of rewards early on.
Q: What are some popular business credit cards for small business owners?
A: Popular business credit cards for small business owners include the Capital One Spark Miles for Business, the American Express Business Gold Card, and the Chase Ink Business Cash. These cards offer various rewards and benefits tailored to small business needs.
Q: Can employees of a small business receive additional cards at no extra cost with a business travel credit card?
A: Yes, many business travel credit cards allow small business owners to issue additional cards to their employees at no additional cost. This can help track and manage business expenses while allowing employees to take advantage of card benefits.
Q: What factors should business travelers consider when applying for a business travel credit card?
A: Business travelers should consider factors such as the card’s rewards structure, annual fees, travel benefits, foreign transaction fees, and the card issuer’s network of airline and hotel partners. It’s important to choose a card that aligns with the business’s travel needs and spending habits.
Source Links
- https://www.cnbc.com/select/best-business-credit-cards-travel/
- https://www.nerdwallet.com/best/small-business/travel-credit-cards-business
- https://www.forbes.com/advisor/credit-cards/best/business-travel/