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What are the best business credit cards for consultants? As a business consultant, you most likely spend a fair amount of your work week traveling between clients. These business credit cards will help you maximize your travel and dining expenses. Plus, you might enjoy a few extra card benefits as well.

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6 Best Business Credit Cards For Consultants

Chase Ink Business Preferred Credit Card

The Ink Business Preferred® Credit Card is in high demand for a reason. It’s easy to earn bonus points and your points can be worth more when redeeming for travel compared to other travel cards.

Each year you earn 3x on the first $150,000 in combined spending for these purchases:

  • Travel
  • Shipping Purchases
  • Internet, Phone, and Cable Services
  • Search Engine and Social Media Advertising

When it comes to redeeming your rewards points, travel redemption is oftentimes the most valuable option. You get a 25% redemption bonus when booking award travel on the Chase travel portal. But your points can be worth more with the many 1:1 transfer partners including United, Southwest, Hyatt, and Marriott.

To book award travel sooner, the current signup bonus of 100,000 Ultimate Rewards points is worth $1,250 thanks to the 25% travel redemption bonus. To earn the 100k, spend $15,000 on purchases in the first 3 months of account opening.

One reason why you might hold off on applying for the Ink Business Preferred is that it’s subject to the notorious Chase “5/24 Rule.” If you have five or more new credit cards in the last 24 months, Chase will decline your application for the Ink Business Preferred and many other fine rewards cards.

The Business Platinum Card from American Express

While there are many premium cards in the consumer card space, The Business Platinum Card® from American Express is a novelty. It comes with many air travel benefits other cards don’t offer.

For starters, you can earn an impressive 5x Membership Rewards® points per $1 spent on air travel and prepaid hotels booked on Remember that most cards award up to 3 points per $1 for airfare.

Additionally, cardholders can get a 35% airline bonus when using their points to pay for all or part of a flight with a qualifying airline booked on, up to 500,000 bonus points annually. 

Your most valuable redemption options are booking award flights as you can get 35% of your redeemed points back. The 1:1 airline transfer partners of Amex Membership Rewards like Delta, Emirates, and Aer Lingus are great options too.

Cardholders earn 1.5x Membership Rewards® points for each eligible purchase of $5,000 or more as well as 1.5x Membership Rewards® points on eligible U.S. purchases in the following select business categories (up to $2 million per calendar year):

  • Construction material and hardwaresuppliers
  • Electronic goods retailers and software & cloud system providers
  • Shippingproviders

Additionally, unlock over $1,000 in value per year for statement credits on select purchases with your Card, including up to $400 with Dell Technologies (up to $200 semi-annually), up to $360 with Indeed, up to $150 with Adobe, and up to $120 on wireless telephone purchases. Enrollment required.

Plus, get up to $200 in statement credits per calendar year toward baggage fees and more at one qualifying airline.

Other airport benefits include a $189 annual CLEAR® credit when you use your Card to enroll in CLEAR® membership and access to more than 1,400 airport lounges across 140 countries and counting with The American Express Global Lounge Collection®. You’ll have more lounge location options than any other credit card on the market (as of 9/2021).

Welcome Bonus Offer

New The Business Platinum Card® from American Express cardholders have the opportunity to earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership. 

The annual fee is $695 (See Rates & Fees).

United Business Card

The United℠ Business Card offers several United credit cards perks including:

  • First checked bag free for you and one companion (terms apply)
  • Priority boarding
  • Two one-time United Club passes each year
  • Space-available Premier Upgrades for MileagePlus Premier members

Additionally, get a $100 United® travel credit after 7 United® flight purchases of $100 or more each anniversary year.

You can also earn unlimited 2 miles per $1 spent on these purchases:

  • United® purchases
  • Dining (including eligible delivery services)
  • Gas Stations
  • Local transit and commuting
  • Office Supply Stores

United Business Card cardholders earn 1x mile per $1 spent on all other purchases.

Additional business benefits include:

  • Employee cards at no additional cost
  • Receive a 5,000-mile “better together” bonus each anniversary when you have both the United Business Card and a personal United® credit card.

New United Business Card cardholders can earn 75,000 bonus miles after spending $5,000 on purchases in the first 3 months their account is open. Plus, enjoy a $0 introductory annual fee for the first year, then $99.

There are no foreign transaction fees.

That signup bonus can bump this card to being one of the best credit cards for travel miles.

Delta SkyMiles Reserve Business American Express Card

The Delta SkyMiles® Reserve Business American Express Card is one of the most elite business airline cards. If you fly Delta often it’s worth a look. Even if you don’t fly Delta enough to justify the $550 annual fee (See Rates & Fees), don’t forget there are the Platinum and Gold Delta business versions too.

Owning the Delta Reserve for Business lets you enjoy these Delta benefits:

  • Complimentary Delta Sky Club Access and Centurion Lounge access when you book your Delta flight with your Reserve card
  • Main Cabin 1 Priority Boarding
  • Free Checked Bag
  • Earn 3x SkyMiles on direct eligible Delta purchases
  • Terms apply

When you purchase a Delta flight with your Delta SkyMiles Reserve Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.

After you spend $150,000 on your Card in a calendar year, you earn 1.5 Miles per dollar (that’s an extra half mile per dollar) on eligible purchases the rest of the year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex: you would earn 3X miles on purchases made directly with Delta instead of 1.5X).

Cardholders can also earn an additional 15,000 Medallion® Qualification Miles (MQMs) after spending $30,000 in purchases on their card in a calendar year, up to 4x times per year, getting them closer to Medallion Status.

For a limited time, new Delta SkyMiles® Reserve Business American Express Card cardholders can earn 110,000 Bonus Miles after spending $6,000 in purchases on their new Card in their first 3 months of Card Membership. Offer Ends 8/3/2022.

Terms and limitations apply.

The Hilton Honors American Express Business Card

The Hilton Honors American Express Business Card can be a sweet deal if you enjoy staying within one of the many Hilton hotel brands including Homewood Suites, Hampton Inn, Home2, or Hilton Garden Inn. Of course, don’t forget the upscale brands like Conrad or Waldorf Astoria if you have the privilege of consulting high-profile clients.

To get the most value from this card, plan on spending at least $15,000 annually to get a free weekend night certificate. Spending another $45,000 (or $60,000 a year) gives you a second free night certificate.

Each year with your The Hilton Honors American Express Business Card, you get 10 free Priority Pass airport lounge visits (once enrolled) and complimentary Hilton Honors Gold Status that gives you complimentary hotel breakfast and space-available room upgrades.

Cardholders earn Hilton Honors bonus points for each dollar of eligible purchases on their Card:

  • 12x at hotels and resorts in the Hilton portfolio
  • 6x at:
    • U.S. gas stations
    • U.S. purchases for shipping
    • On wireless telephone services purchased directly from U.S. service providers
    • On flights booked directly with airlines or with Amex Travel
    • Also on car rentals booked directly from select car rental companies
    • At U.S. restaurants
  • 3x on all other eligible purchases

Plus, there’s a new limited-time offer! New The Hilton Honors American Express Business Card cardholders can earn 130,000 Hilton Honors Bonus Points after spending $3,000 in purchases on the Card in the first 3 months of Card Membership. Plus, earn up to $130 in Statement Credits on eligible purchases made on the Card at any of the Hilton family hotels in the first 12 months of Membership. The offer expires 7/6/2022.

There is a $95 annual fee (See Rates & Fees)

Marriott Bonvoy Business American Express Card

The Marriott Bonvoy Business™ American Express® Card comes with some great Marriott Bonvoy benefits:

  • Premium on-property internet and Boingo wifi hotspot access
  • 6x points at hotels participating in the Marriott Bonvoy™ program
  • Earn 4x points on for U.S. gas stations, U.S. restaurants, shipping from U.S. providers, and wireless phone purchases also from the U.S.

Cardholders can receive 1 Free Night Award annually after their Card account anniversary. Plus, they can earn an additional Free Night Award after spending $60K in purchases on their Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at hotels participating in the Marriott Bonvoy™ program. Certain hotels have resort fees.

Cardholders can also enjoy complimentary Marriott Bonvoy Silver Elite status. They can earn Gold Elite status after making $35,000 in eligible purchases on their card in a calendar year.

There’s also a limited-time offer available! New Marriott Bonvoy Business™ American Express® Card cardholders can earn 100,000 Marriott Bonvoy bonus points after using their new Card to make $5,000 of eligible purchases within the first 3 months of Card Membership. Offer ends 5/18/22.

The annual fee is $125 (See Rates & Fees), which can easily be offset with the free annual night certificate. Terms apply.


You should pick the card that helps you get more value from the airline or hotel you travel with the most. Other bonus categories like gas stations or dining rewards can also be pivotal in making your decision. With any of these cards, you can get more mileage from each dollar you spend on the business.

For rates and fees of Delta SkyMiles® Reserve Business American Express Card, please click here.

For rates and fees of the Marriott Bonvoy Business™ American Express® Card, please click here.

And For rates and fees of The Business Platinum Card® from American Express, please click here.

For rates and fees of The Hilton Honors American Express Business Card, please click here.


Chase Sapphire Preferred® Card

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.

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Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.

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