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Your Fantastic Question: Show me a Credit Card for Business Travel

Published By Janet Gershen-Siegel at November 1st, 2018

Want a credit card for business travel? We went into the vault and updated our list for 2020.

Contents show

The Best Credit Card for Business Travel (2020)

We looked into a lot of business credit cards for you. So, here are our selections.

Per the SBA, business credit card limits are a whopping 10 – 100 times that of personal credit cards!

This reveals you can get a lot more cash with business credit cards. And it also reveals you can have personal credit cards at stores. So, you would now have an added card at the same stores for your business.

And you will not need collateral, cash flow, or financials to get business credit.

Business Credit Card for Business Travel: Benefits

Benefits can vary. So, make sure to choose the benefit you would prefer from this choice of alternatives.

Small Business Credit Cards for Extravagant Travel Points

Flat-rate Travel Rewards

Capital One® Spark® Miles for Business

Take a look at the Capital One® Spark® Miles for Business. It has an introductory annual fee of $0 for the first year, which after that rises to $95. The regular APR is 18.49%, variable due to the prime rate. There is no introductory annual percentage rate. Pay no transfer fees. Late fees go up to $39.

This card is fantastic for travel if your expenses don’t fall under typical bonus categories. You can get unlimited double miles on all purchases, without any limits. Earn 5x miles on rental cars and hotels if you book via Capital One Travel.

Get an introductory bonus of 50,000 miles. That’s the same as $500 in travel. But you just get it if you spend $4,500 in the initial 3 months from account opening. There is no foreign transaction fee. You will need a great to excellent FICO score to qualify.

So find it here: https://www.capitalone.com/small-business/credit-cards/spark-miles/

Bonus Travel Categories with a Sign-Up Offer

Ink Business Preferred℠ Credit Card

For a great sign-up offer and bonus categories, take a look at the Ink Business Preferred℠ Credit Card.

Pay an annual fee of $95. Regular APR is 17.49 – 22.49%, variable. There is no introductory APR offer.

Get 100,000 bonus points after spending $15,000 in the initial 3 months after account opening. This works out to $1,250 toward travel rewards if you redeem via Chase Ultimate Rewards.

Get 3 points per dollar of the initial $150,000 you spend with this card. So this is for purchases on travel, shipping, internet, cable, and phone services. Plus it includes advertising purchases made with social media sites and search engines each account anniversary year.

You can get 25% more in travel redemption when you redeem for travel via Chase Ultimate Rewards. You will need a great to outstanding FICO score to qualify.

So find it here: https://creditcards.chase.com/business-credit-cards/ink/business-preferred

No Annual Fee

Bank of America® Business Advantage Travel Rewards World MasterCard® credit card

For no annual fee while still getting travel rewards, check out this card from Bank of America. It has no annual fee and a 0% introductory APR for purchases during the initial 9 billing cycles. After that, its regular APR is 13.74 – 23.74% variable.

You can earn 30,000 bonus points when you make at least $3,000 in net purchases. So this is within 90 days of your account opening. You can redeem these points for a $300 statement credit towards travel purchases.

Get unlimited 1.5 points for each $1 you spend on all purchases, everywhere, every time. And this is no matter how much you spend.

Likewise earn 3 points per every dollar spent when you schedule your travel (car, hotel, airline) through the Bank of America® Travel Center. There is no limit to the number of points you can earn and points do not expire.

You will need superb credit to get this one (as in, 700s or better).

So find it here: https://www.bankofamerica.com/smallbusiness/credit-cards/products/travel-rewards-business-credit-card/

Hotel Credit Card

Marriott Bonvoy Business™ American Express® Card

Have a look at the Marriott Bonvoy Business™ Card from American Express. It has a yearly fee of $125. There is no introductory APR offer. The regular APR is a variable 17.24 – 26.24%. You will need good to outstanding credit scores to get this card.

Points

You can earn 75,000 Marriott Bonvoy points after using your card to make purchases of $3,000 in the initial three months. Get 6x the points for eligible purchases at participating Marriott Bonvoy hotels. You can get 4x the points at US restaurants and gas stations. And you can get 4x the points on wireless telephone services purchased directly from US service providers and on US purchases for shipping.

Get double points on all other eligible purchases.

Rewards

Plus, you get a free night each year after your card anniversary. And you can get one more free night after you spend $60,000 on your card in a calendar year.

You get Marriott Bonvoy Silver Elite status with your Card. Also, spend $35,000 on eligible purchases in a calendar year and earn an upgrade to Marriott Bonvoy Gold Elite status through the end of the following calendar year.

Also, each calendar year you can get credit for 15 nights towards the next level of Marriott Bonvoy Elite status.

So find it here: https://creditcard.americanexpress.com/d/bonvoy-business/

Airline Credit Card

Delta SkyMiles® Reserve Business American Express Card

Have a look at the Delta SkyMiles® Reserve Business American Express Card. It has a $550 yearly fee! There is no introductory APR offer. Instead, the regular APR is a variable 17.24 – 26.24%.

However if you travel for business a lot, it could be the card for you. Get up to 100,000 Bonus Miles and 20,000 Medallion® Qualification Miles. You can get 80,000 bonus miles and 20,000 Medallion® Qualification Miles after you spend $5,000 in your first three months.

Also, get an extra 20,000 bonus miles after your initial anniversary of card membership.

Get triple miles on Delta purchases. And get 1.5 x miles on qualified purchases the remainder of the year after you spend $150,000 in a calendar year. Get a companion certificate annually upon renewal. And you get one Global Entry ($100) statement credit every 4 years. Or you can get one TSA Pre ✓® ($85) statement credit every 4.5 years for an application, free.

You will need great to superb credit to qualify.

So find it here: https://creditcard.americanexpress.com/d/delta/

Unbeatable Cards for Jackpot Rewards That Never Expire: Use Your Rewards as a Credit Card for Business Travel

Capital One® Spark® Cash Select for Business

Have a look at the Capital One® Spark® Cash Select for Business. It has no annual fee. You can get 1.5% cash back on every purchase. There is no limit on the cash back you can get. Also get a one-time $200 cash bonus when you spend $3,000 on purchases in the initial 3 months. Rewards never expire.

Pay a 0% introductory APR for 9 months. Then pay 14.49% – 22.49% variable APR afterwards.

You will need great to outstanding credit to qualify.

So find it here: https://www.capitalone.com/small-business/credit-cards/spark-cash-select/

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Exceptional Business Credit Cards with No Annual Fee: Redeem Rewards like a Credit Card for Business Travel

No Annual Fee/Flat Rate Cash Back

Ink Business Unlimited℠ Credit Card

Check out the Ink Business Unlimited℠ Credit Card. Beyond no annual fee, get an introductory 0% APR for the initial 12 months. Afterwards, the APR is a variable 14.74 – 20.74%.

You can get unlimited 1.5% Cash Back rewards on every purchase made for your business. And get $500 bonus cash back after spending $3,000 in the initial 3 months from account opening. You can redeem your rewards for cash back, gift cards, travel and more via Chase Ultimate Rewards®. You will need exceptional credit to receive this card.

So find it here: https://creditcards.chase.com/business-credit-cards/ink/unlimited

Business Credit Cards with a 0% Introductory APR – Pay Zero! Use Your Rewards Like a Business Credit Card for Business Travel

Blue Business® Plus Credit Card from American Express

Take a look at the Blue Business® Plus Credit Card from American Express. It has no annual fee. There is a 0% introductory APR for the initial one year. After that, the APR is a variable 14.74 – 20.74%.

Get double Membership Rewards® points on day to day company purchases like office supplies or client suppers for the first $50,000 spent annually. Get 1 point per dollar afterwards.

You will need great to outstanding credit to qualify.

So find it here: https://creditcard.americanexpress.com/d/bluebusinessplus-credit-card/

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 American Express® Blue Business Cash Card

Also check out the American Express® Blue Business Cash Card. Note: the American Express® Blue Business Cash Card is identical to the Blue Business® Plus Credit Card from American Express. But its rewards are in cash rather than points.

Get 2% cash back on all qualified purchases on up to $50,000 per calendar year. After that get 1%.

It has no yearly fee. There is a 0% introductory APR for the initial twelve months. Afterwards, the APR is a variable 14.74 – 20.74%.

You will need great to exceptional credit scores to qualify.

So find it here: https://creditcard.americanexpress.com/d/business-bluecash-credit-card/

Terrific Cards for Cash Back: Use Your Cash Back as a Credit Card for Business Travel

Flat-Rate Rewards

Capital One ® Spark® Cash for Business

Take a look at the Capital One® Spark® Cash for Business. It has an introductory $0 yearly fee for the initial year. After that, this card costs $95 annually. There is no introductory APR offer. The regular APR is a variable 18.49%.

You can get a $500 one-time cash bonus after spending $4,000 in the initial three months from account opening. Get unlimited 2% cash back. Redeem at any time with no minimums.

You will need good to excellent credit to qualify.

So find it here: https://www.capitalone.com/small-business/credit-cards/spark-cash/

Flat-Rate Rewards and No Yearly Cost

Discover it® Business Card

Have a look at the Discover it® Business Card. It has no yearly fee. There is an introductory APR of 0% on purchases for twelve months. After that the regular APR is a variable 14.49 – 22.49%.

Get unlimited 1.5% cash back on all purchases, with no category restrictions or bonuses. They double the 1.5% Cashback Match™ at the end of the first year. There is no minimum spend requirement.

You can download transactions| conveniently to Quicken, QuickBooks, and Excel. Keep in mind: you will need great to excellent credit scores to get this card.

https://www.discover.com/credit-cards/business/

Bonus Categories

Ink Business Cash℠ Credit Card

Take a look at the Ink Business Cash℠ Credit Card. It has no annual fee. There is a 0% introductory APR for the first 12 months. Afterwards, the APR is a variable 14.74 – 20.74%. You can get a $500 one-time cash bonus after spending $3,000 in the initial three months from account opening.

You can earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on web, cable, and phone services each account anniversary year.

Get 2% cash back on the initial $25,000 spent in combined purchases at filling stations and restaurants each account anniversary year. Get 1% cash back on all other purchases. There is no restriction to the amount you can get.

You will need outstanding credit to qualify for this card.

So find it here: https://creditcards.chase.com/business-credit-cards/ink/cash?iCELL=61GF

Boosted Cash Back Categories

Bank of America® Business Advantage Cash Rewards MasterCard® credit card

Have a look at the Bank of America® Business Advantage Cash Rewards MasterCard® credit card. Get an 0% introductory APR for the first 9 billing cycles of the account. After that, the APR is 13.74% – 23.74% variable. There is no yearly fee. You can get a $300 statement credit offer.

Get 3% cash back in the category of your choice. So these are gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services. Get 2% cash back on dining. So this is for the initial $50,000 in combined choice category/dining purchases each calendar year. Then get 1% after, with no limits.

You will need exceptional credit scores to qualify.

Find it here: https://promo.bankofamerica.com/smallbusinesscards2/

An Alternative to a Credit Card for Business Travel: Flexible Financing Credit Cards – Have A Look at Your Alternatives!

The Plum Card® from American Express

Take a look at the Plum Card® from American Express. It has an initial yearly fee of $0 for the first year. After that, pay $250 each year.

Get a 1.5% early pay discount cash back bonus when you pay within 10 days. You can take up to 60 days to pay without interest when you pay the minimum due by the payment due date.

You will need excellent to outstanding credit to qualify.

So find it here: https://creditcard.americanexpress.com/d/the-plum-card-business-charge-card/

credit levels.jpg - Your Fantastic Question: Show me a Credit Card for Business Travel

Hit the jackpot with our best webinar and its trustworthy list of seven vendors who can help you build business credit.

The Very Best Business Credit Card for Business Travel for You

Your outright ideal business credit card for business travel depend upon your credit report and ratings.

Only you can choose which features you want and need. So, ensure to do your research. What is outstanding for you could be disastrous for another person.

And, as always, ensure to develop credit in the advised order for the best, speediest benefits.

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