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Having one of the best small business credit cards can be beneficial for several reasons. For one, you can keep your business and regular expenses separate, making it much easier to manage especially when tax time comes around. Secondly, you can take advantage of some incredible perks, like free software or free travel upgrades. Thirdly, you can earn rewards that can be redeemed in several ways, including points, miles, or cash back.

Here’s something that may come as a surprise—the best small business credit cards for travel in 2022 don’t necessarily require travel to get value from the card. In fact, many cards earn points/miles on common business purchases including cell phone and internet services, restaurants (including takeout and delivery), and office supplies. There are no annual fee options, airline and hotel options, and more.

On top of that, you can help build up your business credit score if you are aiming for a higher quality card to use on future travel when the time is right.

Additionally, several banks have enhanced bonuses on their cards. For instance, the Ink Business Preferred® Credit Card comes with the ability to earn 100,000 points after you spend $15,000 in the first 3 months from account opening. Here are some of the other perks that you might look forward to.

I’ve used some of the best small business credit cards for travel rewards 2022 to earn valuable travel rewards and get access to lounges like this United Club Terrace at LAX. Photo by United

The Best Small Business Credit Cards for Travel in 2022

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

In this article, we’re comparing some of the most popular credit cards for businesses on the market. We’ll look at options for new businesses, self-proprietor businesses, businesses working with average credit, businesses looking to finance upcoming purchases, and businesses wanting to earn rewards on their regular spending.

So whether you’re renting an RV and working while traveling on the road, working from home, starting to travel again, or just want to earn some miles and points now to have for the future, there is likely an option for you below.

Here are the best business credit cards in 2022

 

Credit CardAnnual FeeRecommended Credit ScoreMore Information
Ink Business Preferred® Credit Card$95700+More info
The Business Platinum Card® from American Express$695740More info
Ink Business Cash® Credit CardNone!700+More info
American Express Blue Business Cash™ CardNone!700+More info
Capital One Spark Cash for Business$0 intro annual fee (then $95/year)630+

 

Best Sign Up Bonus Offer: Ink Business Preferred Credit Card

The Chase Ink Business Preferred® Credit Card is widely hailed as one of the top overall business credit cards for travel and the best Chase business credit card. Its sign-up bonus and rewards structure offers great value, but it also carries some handy perks, protections, and redemption options.

To start, here’s what you stand to earn (and spend) with the card:

  • $95 annual fee
  • Earn 100,000 points after you spend $15,000 in the first 3 months from account opening
  • 3x points on travel; shipping purchases; internet, cable, and phone services; advertising purchases made with social media sites and search engines (for the first $150,000 spent in combined purchases each anniversary year)
  • 1x points on all other purchases

That Ink Preferred’s sign-up bonus can be worth as much as $1,250 if you redeem your points for travel through Chase Ultimate Rewards®. Otherwise, you’ll have the option to transfer your points to one of Chase’s airline or hotel transfer partners, or to another Chase account held by you, your spouse, or your domestic partner.

Additional Perks

If your spending regularly falls within this card’s bonus spending categories, those high rewards and flexibility might be enough to justify the card’s annual fee. Beyond that, you’ll be able to take advantage of the Ink Business Preferred’s perks and protections, including cell phone protection, Trip Cancellation/Trip Interruption Insurance, Travel and Emergency Assistance Services, and more.

Cardholders can redeem points for cash back, gift cards, travel, and more (points are worth 25% more when redeemed for travel through Chase Ultimate Rewards). Points don’t expire as long as the account is open.

All of these perks make it one of the best rewards credit cards in 2022. Additionally, cardholders get fraud protection and zero liability. Purchase protection covers new purchases for 120 days against damage or theft, up to $10,000 per claim and $50,000 per account. 

The Ink Preferred is a great compliment to the personal Chase Sapphire Preferred® Card. And yes, you can have both the Chase Sapphire Preferred and Ink Business Preferred.

Here’s how hard it is to get the Ink Business Preferred.

Ink Business Cash Credit Card: No Annual Fee

The Ink Business Cash® Credit Card doesn’t offer all of the perks and protections of the Ink Business Preferred Credit Card, but it’s a solid choice for small businesses that spend less than $50,000 in the card’s bonus spending categories.

The Ink Business Cash carries no annual fee and offers the ability to earn a $750 sign-up bonus when you spend $7,500 in the first 3 months. For businesses with relatively low expenditures, that’s already a nice offer. Outside of that sign-up bonus, here’s what you can earn:

  • 5% cash back at office supply stores and on internet, cable and phone services (on the first $25,000 spent in combined purchases each anniversary year)
  • 2% cash back at gas stations and restaurants (on the first $25,000 spent in combined purchases each anniversary year)
  • 1% cash back on all other purchases

The Ink Business Cash Credit Card does tag on some nice perks and protections, though not nearly as many as the Business Preferred. Still, this card can be a great deal if your business needs to finance upcoming purchases.

Other Perks

Additionally, cardholders may redeem rewards for cash back, gift cards, travel, and more through the Chase Ultimate Rewards portal. Fraud protection is also included with the card as well as zero fraud liability. Cardholders won’t be held responsible for unauthorized charges made with their card or with their account information.

However, if you spend more than $50,000 annually in its bonus categories, you might be better off with the Business Preferred. Still, this is one of the best business cards for office supplies and other business purchases.

Related: Ink Business Unlimited Card Review: $750, No Annual Fee, 1.5% Cashback

The Business Platinum Card from American Express – 120,000 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).

Now can be one of the best times to consider the Amex Business Platinum Card thanks to the welcome bonus, the perks, and the awesome travel rewards.

Benefits include 5x points on flights and prepaid hotels booked on amextravel.com.

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

Additional Perks

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.

The Amex Platinum business card isn’t hard to get, considering it comes with plenty of benefits.

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).

This is one of the best business credit cards for airline miles.

If you use your points to book a flight, you’ll get 35% of your points back, up to 500,000 points.

Fee credit for Global Entry or TSA PreCheck is also included,

Bonus Alternative: American Express Business Gold Card

The American Express® Business Gold Card may be a better-suited card if you still want to be in the American Express family but aren’t sure about the Business Platinum Card. Cardholders can earn 4x Membership Rewards per $1 on the 2 categories which your business spent the most each billing cycle*:

  • Airfare purchased directly from airlines
  • Advertising in select media (online, TV, and radio) – U.S. purchases only
  • U.S. purchases made directly from select technology providers of computer hardware, software, and cloud solutions
  • Gas stations – U.S. purchases only
  • Restaurants – U.S. purchases only
  • U.S. purchases for shipping

The 4x points apply to your first $150,000 in combined annual spending. Except for airfare purchases, you can only earn bonus points on the other 5 categories if the purchases happen in the U.S. All annual spending above $150,000 for the bonus categories and all non-bonus spending earns an unlimited 1 point per $1.

As this is a travel rewards card, one of your two bonus categories might be travel. The second category can be one of your larger business travel or daily operation expense.

Learn more: Business Credit Cards

Additional Perks

American Express Business Gold cardholders also have access to a Pay Over Time Option that lets cardholders decide whether they want to pay for their eligible purchases in full each month or pay over time with interest (terms apply).

Cardholders can also get 25% points back after using points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*

New American Express® Business Gold Card cardholders can earn 70,000 points after spending $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*

*Terms apply.

Compare the Amex Business Gold vs Amex Business Platinum for more details if you can’t decide between the two options.

The annual fee for the Business Gold is $295 starting with your first monthly statement. But, you won’t pay any foreign transaction fees (See Rates & Fees).

Learn more: Business Credit Cards

Capital One Spark Cash for Business

The information for the Capital One Spark Cash for Business has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

  • Unlimited 2% cash back on all purchases
  • $0 intro annual fee (then $95 annually)

The Capital One Spark Cash for Business is also largely similar to the Capital One Venture Rewards Credit Card, with 2% cash back and no annual fee for the first year (followed by a $95 year annual fee). However, instead of travel perks, it comes with business perks like free employee cards (which also earn 2% back) and an itemized business expense breakdown at the end of the year.

These perks also make Spark Cash one of the best business credit cards for shipping purchases.

Finally, like the consumer Capital One Venture Rewards Credit Card, there’s no redemption minimum for the Capital One Spark Cash for Business. You might be able to earn higher rewards with higher-end business cards from Chase and AMEX, but Capital One knows where it excels: simple, straightforward, valuable rewards cards.

New cardholders can earn a $500 cash bonus after spending $4,500 on purchases within 3 months from account opening.

If you are interested in a premium Capital One consumer card, be sure to check out the new Capital One Venture X Rewards Credit Card.

American Express Blue Business Cash Card: Easy Use, No Annual Fee

If you prefer earning cash back, the American Express Blue Business Cash™ Card might be for you.

Cardholders earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1% cash back earned is automatically credited to your statement.

All of the cash back you earn is credited to your statement automatically.

It also comes with Expanded Buying Power which gives cardholders the ability to spend beyond their credit limit. This means you can purchase those high-price items while still earning rewards.

Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express, and other factors.

The American Express Blue Business Cash Card might be a better option if you want simplicity. You don’t have to worry about activating categories or trying to figure out what rewards your purchases earn. Since there is no annual fee no annual fees (See Rates & Fees), this makes this card an easy addition to your wallet, even if you only use it for the 2% cash back.

New American Express Blue Business Cash™ Card cardholders can earn a $250 statement credit after making $3,000 in purchases on their Card in the first 3 months.

Related: Best No Annual Fee Business Credit Cards 2022

Bonus Work While Traveling Business Promotions

Several banks and hotels have issued promotions to help encourage and support people who are looking for a change of scenery while they work from home. Also, depending on the card you have, you might get access to elite status, which offers more perks in itself.

Airlines have also added new offers (for instance, check out the best American Airlines business cards if you’re loyal to AA), but since they are specific to the airline, they don’t come with as much flexibility as the options above.

Still, you may want to check out some of the best business credit cards for airline miles if you are looking for co-brand airline cards.

Marriott

For instance, Marriott’s Work Anywhere package allows travelers to book hotel rooms for the day, for a night with late checkout the following day, or for an extended stay with access to semi-private workspaces and meeting rooms.

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.

New Marriott Bonvoy Business™ American Express® Card cardholders can earn 75,000 bonus Marriott Bonvoy points after using their new Card to make $3,000 in eligible purchases within the first 3 months of Card Membership.

Just be sure to check out the Marriott Bonvoy point redemption changes.

Other benefits for Marriott stays include:

  • 6x points at hotels participating in the Marriott Bonvoy™ program
  • 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers, and on U.S. purchases for shipping
  • 2x points on all other eligible purchases
  • Premium on-property internet access
  • 1 free night award each card anniversary (participating properties at 35,000 points or less)

Marriott Bonvoy Business American Express Card 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.

The annual fee for this card is $125 (See Rates & Fees).

What is the Best Credit Card for Business Expenses?

Deciding on a new credit card for your business always comes down to multiple factors. Luckily, each of these cards caters to unique needs.

The Ink Business Preferred Credit Card caters to businesses that fully pay their statement each month and want to earn valuable rewards. However, the Preferred is also geared toward specific spending habits and needs. If the Preferred’s spending categories don’t align with your needs, you might have more luck with the American Express Blue Business Cash Card.

On the other hand, you might not be concerned with earning rewards. If building credit or financing purchases is your priority, you might want to go in a different direction. The Ink Business Cash Credit Card is specifically geared toward businesses that need to finance upcoming purchases.

You might want to compare the no annual fee Chase Ink Cash vs Amex Blue Business Cash Cards to see which might work best for your business.

You can chill by the poolside while working at one of the many Marriott hotel locations. Some of the best business credit cards for travel earn more rewards for hotel stays. Credit: Marriott

Additional Business Credit Cards To Consider

There are several other business credit cards that can be the best for your business, depending on your business needs and spending. The following cards have no annual fees, are co-branded with an airline or hotel, or have the flexibility that can be most beneficial.

Alternative Flexible Options

Here are some business options that might work well for your business and help you earn more rewards.

Costco Anywhere Visa Business Card by Citi

If you are a frequent Costco shopper, the Costco Anywhere Visa® Business Card by Citi earns:

  • 4% cash back on eligible gas for the first $7,000 annually (then 1% thereafter)
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on purchases from Costco and Costco.com
  • 1% cash back on all other purchases

There is no annual fee with your paid Costco membership. There are also no foreign transaction fees.

Cardholders will receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico. This is one of the best Citi credit cards.

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

The U.S. Bank Business Triple Cash Rewards World Elite Mastercard® is a no annual fee card that earns triple cash back on select purchases (See Rates & Fees). Cardholders can earn 3% cash back on select eligible purchases in the following categories:

  • Gas stations and EV charging stations
  • Office supply stores
  • Cell phone service providers
  • Restaurants

Additionally, earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center.

Cardholders earn 1% cash back on all other eligible net purchases.

There is also an annual $100 statement credit for recurring software subscription expenses.

Another perk of this card is the ability to pay over time. Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.

New U.S. Bank Business Triple Cash Rewards World Elite Mastercard cardholders can earn $500 in cash back after spending $4,500 on the Account Owner’s card in the first 150 days of account opening.

GM Business Card

Here’s an option that can be useful for business road trips or businesses that do a lot of driving. The GM Business Card™ is a no annual and foreign transaction fee card (See Rates & Fees) that earns up to 5% back. Cardholders earn an unlimited 5% on GM dealership parts and service purchases, 3% at gas stations, restaurants, and office supply stores, and 1% for everything else.

The GM Business Card is also a World Elite Mastercard for Business product, which can add more value to your wallet. Perks of the World Elite Mastercard program include discounts on business services and cell phone protection.

New GM Business Card™ cardholders can earn $500 to redeem at GM towards the purchase or lease of eligible new GM vehicles after spending $4,000 on purchases in the first 3 months from account opening.

There is also a 0% Intro APR on purchases for the first 12 months, a variable of 14.74% to 24.74% APR after, and unlimited Earnings. Read more about the benefit terms here).

Employee cards are also free. Read more in our GM Business Card review.

Airline Options

Here are several airline options to consider if you are loyal to one airline. You may earn more rewards, get perks like priority boarding, and enjoy access to things like lounge access. These are some of the best credit cards for purchasing flights.

CitiBusiness / AAdvantage Platinum Select Mastercard

The information for the CitiBusiness® / AAdvantage® Platinum Select® Mastercard® has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

The CitiBusiness® / AAdvantage® Platinum Select® Mastercard® comes with preferred boarding, 25% savings on in-flight American Airlines Wi-Fi, and the first checked bag free. Cardholders also can earn:

  • Earn 2x AAdvantage miles on American Airlines purchases
  • Earn 2x AAdvantage miles for telecom merchants, cable and satellite providers, car rental merchants, and at gas stations
  • $99 companion certificate (plus $21.60 to $43.20 in government taxes and fees, based on itinerary) after spending $30,000 in annual card purchases and card membership is renewed

The annual fee is $0 for the first 12 months, then $99. There are no foreign transaction fees. The card benefits can easily be worth it if you fly American Airlines for business. This is one of the best Citi credit cards for Amerian Airlines fliers.

Southwest Rapid Rewards Performance Business Credit Card

New Southwest® Rapid Rewards® Performance Business Credit Card cardmembers can earn 80,000 bonus points after spending $5,000 on purchases in the first 3 months of account opening. Earning the bonus gets cardholders closer to the Southwest Companion Pass®

The Southwest® Rapid Rewards® Performance Business Credit Card earns:

  • 4x points on Southwest® purchases
  • 3x points on Rapid Rewards® hotel and car partners
  • 2x points on rideshares
  • 2x points on social media and search engine advertising, internet, cable, and phone services
  • 1x points on all other purchases

Cardholders also get unlimited tier qualifying points (TQPs) that can be earned toward A-List status. There is also a $500 annual fee credit for Rapid Rewards points transfers.

It also comes with 4 upgraded boardings per year (when available) and Global Entry or TSA PreCheck fee credit. Cardholders get inflight WiFi credits.

The annual fee is $199.

This is one of the best Southwest credit cards.

United Business Card

The United℠ Business Card can be a good addition for business owners and employees who fly United often. Employee cards come at no additional cost. Additionally, miles earned from their purchases accrue in your account so you can earn rewards faster.

Earn 2 miles per $1 spent on United® purchases, dining (including eligible delivery services), at gas stations, office supply stores, and on local transit and commuting. Earn 1x mile per $1 on everything else.

The United Business Card also comes with a free first checked bag – a savings of up to $140 per roundtrip (terms apply), priority boarding, and more.

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

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. Additionally, enjoy a $0 introductory annual fee for the first year, then $99.

Alaska Airlines Visa Business Card

The Alaska Airlines Visa® Business Card can work if you’ve got an Alaska Airlines hub near and tend to fly the airline frequently. Alaska Airlines is also part of the oneworld® Alliance that reaches over 1,000 destinations worldwide. Cardholders can enjoy free checked bags for you and up to 6 guests on the same reservation. So, if you’re flying with employees, you can easily save some money on checked bags.

Cardholders earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases and 1 mile for every $1 spent on all other purchases.

Cardholders also enjoy 50% off day passes at the Alaska Lounge and 20% back on all Alaska Airlines inflight purchases when you pay with your card. There are no blackout dates and miles don’t expire so long as your account is open.

Signup Bonus Offer

Cardholders can earn 40,000 bonus miles plus Alaska’s Famous Companion Fare™ from $121 ($99 fare plus taxes and fees from $22) with this offer. To qualify, make $2,000 or more in purchases within the first 90 days of opening your account.

You can get another Alaska’s Famous Companion Fare™ annually. Each year on your credit card account anniversary, you’ll receive a companion fare which allows you to book a companion flight from just $121 ($99 plus taxes and fees from $22). Valid on all Alaska Airlines flights booked on alaskaair.com.

The annual fee is $50 for the company and $25 per card. There are no foreign transaction fees.

Hotel Options

If you want a hotel credit card instead, there are several business options available. Of course, some of the best hotel credit cards aren’t business-specific. That doesn’t mean cardholders can’t reap the benefits.

The Hilton Honors American Express Business Card

The Hilton Honors American Express Business Card comes with the ability to earn Hilton Honors Bonus Points for each dollar of eligible purchases on the 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.

Cardholders can also enjoy complimentary Hilton Honors Gold Status with their card. They will earn a Weekend Night Reward from Hilton Honors after spending $15,000 in purchases in a calendar year. Furthermore, they can earn another Weekend Night Reward after spending an additional $45,000 in purchases in the same calendar year ($60,000 total spent annually).

If you want air travel benefits, this business card also comes with 10 free airport lounge visits each year once enrolled in complimentary Priority Pass Select membership.

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

World of Hyatt Business Credit Card

The World of Hyatt Business Credit Card is the program’s first small business credit card. This Chase card comes with Discoverist loyalty status, Hyatt Leverage benefits for small and mid-size businesses, and up to 10% of redeemed Hyatt Points Back (after spending $50,000 in a calendar year, you will get 10% of your redeemed points back for the rest of the year).

Cardholders earn:

  • 9x total points on Hyatt stays (4x points per $1 spent at Hyatt hotels, participating Small Luxury Hotels of the World, participating Exhale locations, and eligible Lindblad Expeditions. Plus, 5x points from Hyatt per eligible $1 spent for being a World of Hyatt member)
  • 2x per $1 spent on fitness club and gym memberships

Additionally, earn 2x bonus points on the top three spending categories each quarter through December 31, 2022, then your top two categories each quarter. Categories include:

  • Airline tickets purchased directly from the airline
  • Car rental agencies
  • Local transit and commuting
  • Gas stations
  • Dining
  • Internet, cable, and phone services
  • Social media and search engine advertising
  • Shipping

For example, you would earn 2x points on airline tickets, car rentals, and dining if these are your three top categories. Your purchases from the other 5 categories only earn 1x points.

New World of Hyatt Business Credit Card card members can earn 60,000 Bonus Points after spending $5,000 on purchases in the first 3 months from account opening.

The annual fee is $199.

Read more about the many perks and benefits of this card in our World of Hyatt Business Credit Card review.

IHG Rewards Premier Business Credit Card

This IHG® Rewards Premier Business Credit Card is the best for business owners who frequently use IHG properties. And with so many IHG properties around the globe, it’s nice and easy to have so many options to work with.

IHG Rewards Premier Business Credit Card cardholders earn:

  • Up to 26x points total per $1 spent when they stay at an IHG hotel
  • 5x points per $1 spent on purchases on:
    • Travel
    • Gas stations
    • Select advertising
    • Restaurants
  • 3x points per $1 spent on all other purchases

Cardholders can enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, they can enjoy a Reward Night when redeeming points for any stay of 3 or more nights.

Platinum Elite status and Global Entry, TSA PreCheck, or a NEXUS Statement Credit are also included with this card.

New IHG® Rewards Premier Business Credit Card cardholders can earn 140,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

The annual fee is $99. There are no foreign transaction fees. Additionally, employee cards are free and also earn points. 

Delta SkyMiles Platinum Business American Express Card

One card that earns on both airlines and hotels is The Delta SkyMiles® Platinum Business American Express Card.

Cardholders earn 3x Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent on purchases made directly with hotels. They also earn 1.5x Miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half mile per dollar), up to 50,000 additional miles per year, and 1 Mile on every eligible dollar spent on other purchases.

For a limited time, new Delta SkyMiles® Platinum Business American Express Card cardholders can earn 100,000 Bonus Miles after spending $4,000 in purchases on their new Card in their first 3 months of Card Membership. Offer Ends 8/3/2022.

The annual fee is $250 (See Rates & Fees).

This is one of the best Delta credit cards.

The Delta SkyMiles Platinum American Express Card. Credit: American Express

Business Credit Cards Application Guidelines

Regardless of industry or size, businesses need an infusion of capital every now and again. There are a number of ways business owners and managers can access cash when it is needed, including loans, lines of credit, and credit cards. For some companies, having revolving access to credit in the form of a business credit card is the best solution for ongoing cash flow needs.

Can I Get a Business Credit Card With My EIN?

Yes, you can apply for a business with your EIN. If you don’t have an EIN, no worries. You can apply for a business credit card as a sole proprietor by inserting your social security number into the EIN spot.

Fortunately, business credit cards come in all shapes and sizes, with a wide variety of benefits to boot.

Whether you are looking to apply for a credit card as a consultant who travels often, for a freelancer who has various gigs, or for an entrepreneur working on the latest and greatest product or service, finding the right business credit card is no small feat.

Understanding the benefits that come with each type of business credit card is an important first step in selecting the right account. Here we’ve broken down some of the best advantages specific to business credit cards that help protect – and increase – your company’s bottom line.

Here’s our post on the best business rewards credit card perks.

Employee Business Cards

Authorized users are not a new concept in the credit card world. In fact, the majority of credit card issuers allow the primary cardmember an option to add one (or two) authorized users to an account at any time during the lifetime of the card. They may even help your credit score!

Authorized users have access to the available credit limit for making purchases at any time. Any purchases made apply toward active rewards programs. With business credit cards, the ability to add employees as authorized users comes with substantial benefits.

Spending is easily tracked when employee cards are used consistently. Plus, most employee cards come with set limits so the company’s budget is protected from overspending.

Adding employees as authorized users to the company credit card may be most beneficial in rewards accumulation. Instead of using petty cash or other forms of payment for business-related expenses, employees have options. They can use their respective credit cards and earn points toward statement credits, travel discounts or purchases, cash back, or online shopping.

For most business credit card issuers, team member cards can be added at no additional cost.

Best Credit Cards for Small Business Owners

The aspect of business credit cards that makes the financing option stand out more than loans or traditional lines of credit is the rewards potential. As with individual consumer credit cards, such as the best travel credit cards, business owners have the ability to earn points (or miles) that equate to a variety of handsome rewards.

What Is the Easiest Business Credit Card to Get

Let’s take a look at a few examples of the easiest business credit cards to get:

Ink Business Cash Credit Card

The Ink Business Cash® Credit Card, offered by Chase, gives business owners the ability to earn 5% cash back rewards on all purchases made at office supply stores, and phone, cable, and internet services. While the bonus rewards categories are limited to the first $25,000 in spending each year, there is the potential for substantial rewards over time.

In addition, Ink Business Cash Credit Card cardmembers earn 2% cash back on gas station and restaurant purchases, up to the same $25,000 limit each year. All other purchases receive 1% cash back with no limit.

Note that this is also one of the best metal credit cards available.

American Express Blue Business Cash Card

With the American Express Blue Business Cash™ Card (one of the best American Express business cards), account owners don’t have to worry about activating categories or calculating where their cash back is going (it is automatically applied to your statement).

Cardholders earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1% cash back earned is automatically credited to your statement.

This card has no annual fee (See Rates & Fees)

Additionally, the Blue Business Cash Card, one of the best business credit cards for office supplies, comes with Expanded Buying Power. This gives cardholders the ability to spend beyond their credit limit. Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express and other factors.

New American Express Blue Business Cash™ Card cardholders can earn a $250 statement credit after making $3,000 in purchases on their Card in the first 3 months.

Alternative Options

Chase and American Express are not the only business credit card issues. Discover, Citi, Bank of America, and Capital One (like the Capital One Spark Business cards) all offer business credit cards with rewards programs. However, each differs slightly from the next. Generally earning rewards can result in substantial savings for the business.

Redemption Flexibility

The thought of earning rewards on everyday spending is appealing. However, the redemption of those rewards must make sense for the business in real life. Some business credit cards allow account holders to redeem accumulated rewards as cash back. Other rewards programs are redeemable for statement credits, airfare and hotel purchases, gift cards, or purchases made through partner retailers.

The best business credit cards have a strong mix of redemption possibilities with few or no restrictions.

The Fine Print on Perks

Business credit cards are a smart way to manage money flowing out of a company. But, it is necessary to understand not only the rewards programs and redemption options available but also the applicable fees. Some business credit cards carry an annual fee, ranging from $89 up to $450.

Your business should spend enough in specific categories to earn enough rewards to cover the annual fee. If it doesn’t, finding a card without an annual charge is your best bet. You can see some examples in our best travel credit cards with no annual fees post. Business credit cards may also charge interest on any balances carried over from month to month.

Bottom Line

In conclusion, utilizing a small business credit card is a sound method to spread out cash flow needs over time. You can do this while maintaining a record of purchases for the company. Rewards programs linked to business credit cards make the financing solution even more attractive. But, that is only when those rewards are in line with how your business spends regularly.

However, be aware of the fees associated with credit cards. You want to be able to get the most out of your cards. It doesn’t make sense to pay for perks you aren’t able to use. Spend wisely to reduce costs and earn rewards for your business.

Best Business Credit Cards Travel Rewards

FAQs

For rates and fees of the American Express Blue Business Cash™ Card, please click here.

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

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

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

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

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

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