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As a small business owner, it’s crucial to keep track of your expenses and get the most out of your money. One way to do that is by using a credit card that offers travel rewards. Not only will you be able to earn points, miles, or cashback on your business purchases, but you can also redeem those rewards for flights, hotels, and other travel-related expenses.
Top Small Business Credit Cards with Travel Rewards
There are plenty of credit cards on the market that offer travel rewards, but not all of them are suitable for small businesses. Here are some of the best small business credit cards with travel rewards that you should consider:
| Credit Card | Annual Fee | Rewards | Introductory Offer |
|---|---|---|---|
| Chase Ink Business Preferred | $95 | 3x points on travel, shipping purchases, internet, cable, and phone services, and advertising purchases with social media and search engines; 1x points on all other purchases | 100,000 bonus points after spending $15,000 in the first 3 months |
| American Express Business Gold Card | $295 | 4x points on two categories of your choice (from a list of six), 1x points on all other purchases | 70,000 bonus points after spending $10,000 in the first 3 months |
| Capital One Spark Miles for Business | $0 for the first year, then $95 | Unlimited 2x miles on every purchase | 50,000 bonus miles after spending $4,500 in the first 3 months |
| CitiBusiness/AAdvantage Platinum Select Mastercard | $99 | 2x miles on American Airlines purchases and select business categories, 1x miles on all other purchases | 65,000 bonus miles after spending $4,000 in the first 4 months |
Each credit card has its own set of rewards and benefits, so it’s important to choose the one that best suits your business needs. Consider the annual fee, rewards earning rate, introductory offer, and redemption options when making your decision.
Benefits of Using a Small Business Credit Card with Travel Rewards
There are several benefits to using a small business credit card with travel rewards:
- Earn rewards on business expenses: With a travel rewards credit card, you can earn points, miles, or cashback on your business purchases. This can add up quickly and help you save money on travel expenses.
- Redeem rewards for travel-related expenses: Once you’ve earned enough rewards, you can redeem them for flights, hotels, car rentals, and other travel-related expenses.
- Access to travel benefits: Some credit cards offer additional travel benefits, such as airport lounge access, travel insurance, and concierge services.
- Separate business and personal expenses: Using a separate credit card for your business expenses can make it easier to track your spending and separate it from your personal expenses.
- Build credit for your business: Consistently using a credit card and making on-time payments can help you build credit for your business, which can be useful if you need to apply for a business loan or line of credit in the future.
FAQs
What should I look for in a small business credit card with travel rewards?
When choosing a small business credit card with travel rewards, consider the annual fee, rewards earning rate, introductory offer, and redemption options. Make sure the card offers rewards in categories that you frequently spend in, such as travel, shipping, or advertising expenses.
What are some of the best small business credit cards with travel rewards?
Some of the best small business credit cards with travel rewards include the Chase Ink Business Preferred, American Express Business Gold Card, Capital One Spark Miles for Business, and CitiBusiness/AAdvantage Platinum Select Mastercard.
Can I use my travel rewards for anything other than travel?
It depends on the credit card. Some cards allow you to redeem your rewards for cashback or gift cards, while others only allow you to redeem them for travel-related expenses.
Conclusion
Using a small business credit card with travel rewards can be a great way to earn rewards on your business expenses and save money on travel-related expenses. Consider the annual fee, rewards earning rate, introductory offer, and redemption options when choosing the right credit card for your business.