“If you’re operating a business, you understand how difficult it is to get funding for your business,” says Jake Song, Co-Owner at FlyCredit, a platform where you can learn how to leverage credit cards for points, cash back, and making passive income. “Even if you’re a freelancer or have a “side hustle,” you should consider having business credit cards,” says Song. The experts of FlyCredit researched and picked the four best business travel credit cards that vary by annual fee; travel rewards; welcome bonuses; and air miles:
American Express Business Platinum
American Express Biz Platinum
AMERICAN EXPRESS
Who is this card for?
If you’re a business traveler, the American Express Business Platinum will make your trip a lot easier with global entry access and over 1,200 lounges available all across 130 countries. Though the card has an annual fee of $595, it offers a generous welcome bonus of 50,000 membership rewards points, which is estimated worth of over $500 of flights cost.
RECOMMENDED CREDIT SCORE: 690-850
Welcome Bonus: Earn 50,000 Membership Rewards points after you spend $10,000 and an extra 25,00 points after spend an additional $10,000 purchases.
Annual Fee: $595
Rewards Earning Rate: Earn 5X Membership Rewards points on flights and prepaid hotels on amextravel.com
Highlights:
• 35% Airline Bonus: When you pay selected airline flight with Membership Rewards points you can get 35% of the points back.
• Receive up to $200 on qualifying airline fee credit
• Receive up to $200 Dell statement credit
• Access to more than 1,200 airport lounges across 130 countries.
Capital One Spark Miles Business
Capital One Spark Miles
CAPITAL ONE
Who is this card for?
This card was created for any business owner looking to earn generous amount of travel rewards points for their business expenses. This card is supreme for its easy 1.5X miles per dollar on every purchase with zero complications. This is a no brainer card for anyone that doesn’t want to spend money for annual fee.
RECOMMENDED CREDIT SCORE: 670-850
Annual Fee: $0
Welcome Bonus: Earn up to 20,000 miles once you spend $3,000 within 3 months. That is worth $200 in travel.
Rewards Earning Rate: Earn unlimited 1.5X miles per dollar on every purchase, no limits or category restrictions, and miles won’t expire for the life of the account.
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Highlights:
• 0& intro APR on purchase for 9 months
• No annual fee
• Transfer for your miles to any of 10+ travel partners like Air Canada, JetBlue, and Emirates
• Earn 5X miles on hotels and rental car booking though Capital One Travel
Hilton Honors American Express
Hilton Honors American Express
AMERICAN EXPRESS
Who is this card for?
If you’re looking for the hefty sign up bonus, this card is the right choice for you with a whopping 125,000 points offer. You can enjoy free award nights by putting business expenses into this card.
RECOMMENDED CREDIT SCORE: 670-850
Annual Fee: $95
Welcome Bonus: Earn up to 125,000 Hilton Honors points when you spend $3,000 eligible purchase within the first 3 months of card membership.
Rewards Earning Rate: 12X points at purchases made in Hilton property, 6X points per dollar on select business & travel purchases, & 3X everywhere else.
Highlights:
• Free Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your card in a calendar year
• Access to complimentary Gold Status
• 10 free Priority Pass Visits to over 1,000 Priority Pass airport lounges every year
• Earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year
Chase Ink Business Preferred
CHASE Ink Preferred
CHASE
Who is this card for?
The sign up bonus alone makes this card the best business travel credit card. If you’re already spending business expenses in travel, shipping, internet and online advertising, this card will give you the most bonus points.
RECOMMENDED CREDIT SCORE: 740-850
Annual Fee: $95
Welcome Bonus: 80,000 Chase Ultimate Rewards Points after you spend $5,000 on purchases in the first 3 months from account opening. That’s $1,000 towards travel rewards when you redeem through Chase Ultimate Rewards portal
Rewards Earning Rate: Earn 3X per $1 on the first $150,000 spent in combined purchase in each account anniversary year.
Highlights:
• +25% points more when redeem though Chase Ultimate Rewards portal. For example, 80,000 points are worth $1,000 towards travel.
• No foreign transaction
• Employee cards at no additional cost
• $1,000 worth of sign up bonus
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