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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.
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 credit cards.
Each year you earn 3x on the first $150,000 in combined spending for these purchases:
- 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 80,000 Ultimate Rewards points is worth $1,000 thanks to the 25% travel redemption bonus.
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.
Business Platinum Card from American Express
While there are many premium credit 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 5 Membership Rewards Points per $1 spent on air travel and prepaid hotels booked on AmexTravel.com. Remember that most credit cards award up to 3 points per $1 for airfare.
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.
Other lucrative air travel benefits you get include:
- $200 Airline Fee Credit
- Free access to airport lounges including Centurion, Priority Pass, and Delta Sky Club
- Free Global Entry or TSA PreCheck with these credit cards
Two new business benefits additions include one year of free WeWork Platinum Global Access and up to $200 in Dell Small Business statement credits. The current welcome bonus lets you earn up to 100,000 bonus Membership Rewards points worth $1000 in award travel.
To earn the 100k, you’ll first have to spend $10,000 on qualifying purchases within the first 3 months of card membership, which will earn you 50,000 points. Then, spend an extra $15,000 on qualifying purchases during the same 3 months to earn the additional 50,000 points.
United Explorer Business Card
The United℠ Explorer Business Card offers several United credit cards perks including:
- First checked bag free for you and one companion
- Priority boarding
- Two one-time United Club passes each year
- Space-available Premier Upgrades for MileagePlus Premier members
You can also earn unlimited 2 miles per $1 spent on these purchases:
- United purchases
- Gas Stations
- Office Supply Stores
It also comes with a 100,000 bonus points offer. New cardholders earn 50,000 after spending $5,000 in purchases in the first 3 months of account opening. Then they can earn an additional 50,000 after spending $25,000 total in the first 6 months of account opening. That can be enough points to book three roundtrip domestic flights in the main cabin or a single roundtrip when you fly first class. That signup bonus can bump this card to being one of the best credit cards for travel miles. Learn more: Airline Credit Cards
Delta Reserve for Business Credit Card
The Delta Reserve for Business Credit Card is one of the most elite business airline credit cards. If you fly Delta often it’s worth a look. Even if you don’t fly Delta enough to justify the $450 annual fee ($550 if the application is received on or after 1/30/2020 — 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
- Main Cabin 1 Priority Boarding
- Annual Domestic First Class or Main Cabin Companion Certificate
- Free Checked Bag
- 20% In-Flight Purchase Statement Credit
- 2x miles per $1 spent on eligible purchases made directly with Delta
When you spend $30,000 on eligible purchases during a calendar year, Delta will give you 15,000 bonus Medallion Qualification Miles (MQMs) and 15,000 bonus SkyMiles. Plus, earn an additional 15,000 bonus miles and 15,000 MQMs after you spend $60,000 in eligible purchases on your Card in a calendar year for a total of 30,000 bonus miles and 30,000 MQMs. However, starting January 30, 2020, you will no longer earn bonus miles with this benefit.
New members can also earn 40,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after spending $3,000 in purchases in the first 3 months of account opening.
Hilton Honors Business Credit 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 $60,000 a year gives you a second free night certificate.
Each year, you also get 10 free Priority Pass airport lounge visits and complimentary Hilton Honors Gold status that gives you complimentary hotel breakfast and space-available room upgrades.
You also have the chance to rack up the Hilton Honors points as follows:
- 12x points on Hilton purchases
- 6x points on select business and travel purchases
- 3x points on all remaining purchases
New cardholders can also earn 125,000 bonus points worth up to 25 free nights.
Marriott Bonvoy Business Credit Card
Now that the Marriott-SPG merger is complete, the Starwood Preferred Guest Business card has rebranded into the Marriott Bonvoy Business™ American Express® Card. Despite the name change, it’s still the same great card as before offering these Marriott Bonvoy benefits:
- One free night award each card anniversary (up to 35,000 points)
- Automatic Silver Elite status
- Premium on-property internet and Boingo wifi hotspot access
- Earn 6x points on all Marriott purchases
- 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.
Starting March 28, 2019, you can earn a second free night by spending at least $60,000 in a calendar year. Another exciting reason to consider this card is the flexible point redemption options. Free hotel nights start at 5,000 points but you can also find value in redeeming them for award flights with the Air+Car Transfer Program.
It’s possible to redeem points for flights or transfer your points to 40 airlines including many on a 1:1 basis. When you transfer at least 60,000 points at once, you get a 15,000 point bonus.
The current welcome bonus is for 100,000 bonus points after spending $5,000 in purchases within the first 3 months of account opening. This can be worth up to 15 free nights. At its core, this card is a hotel rewards card but it can easily be used to book award flights too.
Summary of the Best Business Credit Cards for Consultants
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 station 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 business.
For rates and fees of the Delta Reserve for Business Credit Card, please click here.
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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.
- 1 6 Best Business Credit Cards For Consultants
- 2 Chase Ink Business Preferred Credit Card
- 3 Business Platinum Card from American Express
- 4 United Explorer Business Card
- 5 Delta Reserve for Business Credit Card
- 6 Hilton Honors Business Credit Card
- 7 Marriott Bonvoy Business Credit Card
- 8 Summary of the Best Business Credit Cards for Consultants