Are you a frequent traveler looking to earn rewards and perks while managing your business expenses? A business credit card can help you earn points, miles, and cashback on your travel spending, along with providing additional benefits such as travel insurance, lounge access, and free checked bags.
In this article, we’ll discuss the best business credit cards for travel and how they can help you save money and enhance your travel experience. Let’s get started!
Best Business Credit Cards for Travel: Unlock Rewards and Perks.
1. Chase Ink Business Preferred.
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The Chase Ink Business Preferred card offers 3 points per dollar spent on travel purchases and other business expenses, along with a sign-up bonus of 100,000 points after you spend $15,000 in the first three months. This card also offers travel insurance, cell phone protection, and no foreign transaction fees, making it an excellent choice for frequent travelers.
2. American Express Business Platinum.
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The American Express Business Platinum card offers 5 points per dollar spent on flights and prepaid hotels, along with a sign-up bonus of up to 100,000 points after you spend $15,000 in the first three months. This card also provides access to airport lounges worldwide, a statement credit for TSA PreCheck or Global Entry, and a concierge service for travel booking and planning.
3. Capital One Spark Miles.
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The Capital One Spark Miles card offers 2 miles per dollar spent on all purchases, with no limit to the miles you can earn. This card also provides a sign-up bonus of up to 200,000 miles after you spend $50,000 in the first six months, along with a $100 credit for Global Entry or TSA PreCheck. This card has no foreign transaction fees, making it an excellent choice for international travel.
4. CitiBusiness Advantage Platinum Select.
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The CitiBusiness Advantage Platinum Select card offers 2 miles per dollar spent on American Airlines purchases, as well as on telecommunications, cable, and satellite providers. This card also offers a sign-up bonus of 65,000 miles after you spend $4,000 in the first four months, along with a free checked bag, priority boarding, and a companion certificate on American Airlines flights.
5. Marriott Bonvoy Business American Express Card.
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The Marriott Bonvoy Business American Express card offers 6 points per dollar spent at participating Marriott Bonvoy hotels, 4 points per dollar spent at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers, and 2 points per dollar spent on all other eligible purchases. This card also offers a sign-up bonus of up to 125,000 points after you spend $5,000 in the first three months, along with automatic Silver Elite Status and a free night award every year after your account anniversary.
6. Delta SkyMiles Platinum Business American Express Card.
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The Delta SkyMiles Platinum Business American Express card offers 3 miles per dollar spent on Delta purchases, along with a sign-up bonus of up to 90,000 miles after you spend $3,000 in the first three months. This card also provides a free checked bag, priority boarding, and a companion certificate each year after your account anniversary.
7. Bank of America Business Advantage Travel Rewards World Mastercard.
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The Bank of America Business Advantage Travel Rewards World Mastercard offers 3 points per dollar spent on travel purchases booked through the Bank of America Travel Center, along with 1.5 points per dollar spent on all other purchases. This card has no annual fee, no foreign transaction fees, and a sign-up bonus of 30,000 points after you spend $3,000 in the first 90 days
8. United Business Card.
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The United Business Card offers 2 miles per dollar spent on United purchases, as well as at gas stations, office supply stores, and restaurants, and 1 mile per dollar spent on all other purchases. This card also provides a sign-up bonus of up to 100,000 miles after you spend $10,000 in the first three months, along with a free checked bag, priority boarding, and two United Club one-time passes each year.
How to Choose the Best Business Credit Card for Travel
When choosing a business credit card for travel, it’s essential to consider the following factors
Rewards: Look for a card that offers rewards in the form of points, miles, or cashback on your travel spending. Consider the earning rate, redemption options, and any limitations or restrictions.
Sign-up bonus: Many business credit cards offer a sign-up bonus, which can be a significant boost to your rewards earnings. Make sure to check the spending requirement and the expiration date of the bonus.
Fees: Some business credit cards charge an annual fee, foreign transaction fees, or other fees that can negate the rewards you earn. Look for a card that provides enough benefits to justify the cost.
Additional benefits: Many business credit cards provide additional benefits such as travel insurance, lounge access, concierge service, and statement credits for travel-related expenses. Consider which benefits are most valuable to you and your business.
Conclusion
A business credit card can help you earn rewards and perks on your travel spending while providing additional benefits and protections. The Chase Ink Business Preferred, American Express Business Platinum, Capital One Spark Miles, CitiBusiness AAdvantage Platinum Select, Marriott Bonvoy Business American Express Card, Delta SkyMiles Platinum Business American Express Card, Bank of America Business Advantage Travel Rewards World Mastercard, and United Business Card are all excellent options for frequent travelers.
When choosing a business credit card for travel, consider your spending habits, travel preferences, and the benefits and fees of each card. With the right card, you can unlock a world of rewards and perks on your business travel.
FAQs
What is a business credit card, and how does it differ from a personal credit card?
A business credit card is a credit card designed specifically for business use. It allows business owners to separate their personal and business expenses and offers rewards and benefits tailored to business spending. Business credit cards typically have higher credit limits and offer more extensive rewards programs than personal credit cards.
Can I use my business credit card for personal expenses?
While it’s not illegal to use your business credit card for personal expenses, it’s not recommended. Mixing personal and business expenses can make it challenging to track your spending, and it can also raise red flags with the IRS if you’re audited. Additionally, using your business credit card for personal expenses can affect your credit score if you carry a balance or miss payments.
Do I need excellent credit to qualify for a business credit card?
Most business credit cards require good to excellent credit (FICO scores of 670 or higher) to qualify. However, some issuers offer business credit cards for applicants with fair credit (FICO scores of 580-669). If you’re just starting your business or have a limited credit history, you may need to build your credit before applying for a business credit card.
How can I maximize my rewards earnings on a business credit card for travel?
To maximize your rewards earnings on a business credit card for travel, make sure to use your card for all of your business travel expenses. Look for a card that offers bonus rewards on travel spending and consider booking travel through the issuer’s travel portal to earn extra points or miles. Additionally, take advantage of any sign-up bonuses, spending thresholds, or other promotions offered by the issuer.
What should I do if I lose my business credit card while traveling?
If you lose your business credit card while traveling, immediately report it to the issuer. Most issuers offer 24/7 customer service and can provide emergency card replacement or cash advances if needed. It’s also a good idea to have a backup payment method, such as a personal credit card or cash, in case of emergencies.
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