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Business travel can be exciting, but it can also be stressful and expensive. Fortunately, there are several business travel cards available that can help you save money and earn rewards while you’re on the road. In this article, we’ll take a look at some of the best business travel cards on the market, and discuss what makes them stand out from the crowd.
What is a Business Travel Card?
A business travel card is a credit card that is specifically designed for business travelers. These cards often offer perks such as airport lounge access, hotel upgrades, and bonus rewards for travel-related expenses such as airfare and hotel stays. Some cards also offer rewards on everyday business expenses such as office supplies and telecommunications.
How to Choose the Right Business Travel Card?
Choosing the right business travel card can be a daunting task, but it’s important to do your research to ensure that you’re getting the most benefits for your money. Here are some factors to consider when choosing a business travel card:
| Factor | Description |
|---|---|
| Rewards Program | Look for a card that offers rewards that align with your travel and business needs. Some cards offer bonus rewards for specific categories such as airfare, hotels, or dining. |
| Annual Fee | Consider the annual fee and determine if the benefits outweigh the cost. Some cards waive the annual fee for the first year. |
| Foreign Transaction Fees | If you travel internationally, look for a card that doesn’t charge foreign transaction fees. |
| Travel Insurance Benefits | Some cards offer travel insurance benefits such as trip cancellation, trip interruption, or lost luggage reimbursement. |
| Other Perks | Look for other perks such as airport lounge access, hotel upgrades, or concierge services. |
Best Business Travel Cards in 2021
1. Chase Sapphire Preferred® Card
The Chase Sapphire Preferred® Card is a popular travel rewards card that offers 2X points on travel and dining at restaurants worldwide, and 1 point per dollar spent on all other purchases. Points can be redeemed for travel, cash back, or gift cards. The card also offers trip cancellation/interruption insurance, primary rental car insurance, and baggage delay insurance.
2. American Express® Business Gold Card
The American Express® Business Gold Card offers 4X points on two select categories where your business spends the most each billing cycle, and 1X points on all other purchases. You can choose from categories such as airfare, advertising, and gas. The card also offers travel insurance benefits, purchase protection, and extended warranty.
3. Capital One® Spark® Miles for Business
The Capital One® Spark® Miles for Business offers 2X miles on every purchase, and you can redeem miles for travel, cash back, or gift cards. The card also offers travel insurance benefits, purchase protection, and extended warranty.
4. The Platinum Card® from American Express
The Platinum Card® from American Express offers 5X points on flights booked directly with airlines or with American Express Travel, and 5X points on prepaid hotels booked on amextravel.com. You also get access to airport lounges, concierge services, and travel insurance benefits.
5. CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
The CitiBusiness® / AAdvantage® Platinum Select® Mastercard® offers 2X miles on American Airlines purchases, and 1X miles on all other purchases. You also get priority boarding on American Airlines flights, a free checked bag, and a companion certificate after spending $30,000 in a year.
Conclusion
Choosing the best business travel card for your needs can be a difficult decision, but it’s important to consider factors such as rewards, fees, and perks. With the right card, you can save money and earn rewards while you’re on the road. We hope this article has helped you in your search for the best business travel card!
Frequently Asked Questions
1. What is the best business travel card?
The best business travel card depends on your individual needs and preferences. Some popular options include the Chase Sapphire Preferred® Card, the American Express® Business Gold Card, and the Capital One® Spark® Miles for Business.
2. Do business travel cards have annual fees?
Many business travel cards do have annual fees, but some offer benefits that can outweigh the cost of the fee. Some cards also waive the annual fee for the first year.
3. Can I use my personal credit card for business travel?
Yes, you can use your personal credit card for business travel, but it may not offer the same rewards and benefits as a business travel card. Using a personal card for business expenses can also make it more difficult to keep track of expenses for tax purposes.
4. What kind of rewards can I earn with a business travel card?
The rewards you can earn with a business travel card depend on the card you choose. Some cards offer bonus rewards for specific categories such as airfare, hotels, or dining, while others offer rewards on all purchases. Rewards can typically be redeemed for travel, cash back, or gift cards.
5. Are business travel cards worth it?
Whether or not a business travel card is worth it depends on your individual needs and spending habits. If you travel frequently for business, a travel rewards card can help you save money and earn rewards. It’s important to consider the fees, rewards, and benefits of each card before making a decision.