Updated: 07/25/2016

Travel Rewards Credit Cards for Small Business Owners

There are many ways to benefit from having a small business credit card – from separating your business finances from your own, to building a solid business credit foundation. One of the most pleasant features of such a card is  an ability to use your business spending for earning towards a vacation.

Business cards with travel rewards are the ones that can help. Have a look at our editor’s picks for small business travel cards.

intro purchase APR no intro offerregular APR16.49 - 21.49% (V)
intro BT APR no intro offer 16.49-21.49%
rewards 1 or 3 points per $1 +80,000 pt intro bonus
  • earn 3x points on travel, shipping costs, internet and cable and online ads
  • 1 point per dollar on all other purchases
  • 80,000 points bonus after spending $5,000 in the first 3 months   

 

good credit required

$95 annual fee

25% bonus on your points when redeemed for travel 

redeem for travel, cash or gift cards

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intro purchase APR no intro offerregular APR16.24 - 16.24% (V)
intro BT APR no intro offer 3% BT fee with $5 minimum
rewards 1-2 miles/$1 +50,000 spending bonus
  • 50,000 AAdvantage bonus miles for spending $3,000 in the first 3 months
  • 2 Admiral's Club lounge One-Day Passes 
  • 5% bonus on miles on annual renewal
  • Companion Certificate each year if you spent $30,000
  • Additional American Airlines travel benefits

 

excellent required

$95 annual fee, waived for the 1st year

up to 2 miles/$1

50,000 sign-up bonus

lots of AAirlines travel perks

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intro purchase APR no intro offerregular APR17.49 - 17.49% (V)
intro BT APR no intro offer no BT fee
rewards 2 miles/$1 +50,000
  • 50000 miles sign up bonus if you spend $4500 in the first 3 months
  • redeem miles with ease as a statement credit for all travel expenses
excellent required

$0 first-year annual fee, $59 after

Earn 2% No Hassle Miles on all purchases. Up to 50,000 sign up bonus

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intro purchase APR 0% for 9 monthsregular APR13.49 - 21.49% (V)
intro BT APR no intro offer 13.49,17.49, or 21.49%
rewards 1.5 miles/$1 +20,000 miles

Get 20 000 bonus miles for spending $3,000 in the first 3 months

 

excellent required

no annual fee

earn 1.5 No Hassle Miles for every $1

get 20,000 miles bonus after spending 3,000 in first 3 months 

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intro purchase APR no intro offerregular APR12.74 - 19.74% (V)
intro BT APR 4% min $10 12.74-19.74%
rewards 1-3 miles/$1 +30,000 sign-up miles
  • 3 miles per $1 on Alaska purchases and vacation packages
  • 1 mile/$1 on all the rest
  • 30,000 miles after your first purchase on the card
  • Coach Companion Fare as an annual bonus
  • Alaska Airlines miles are one of the most valuable among air carrier programs

 

excellent required

annual fee: $50 per company+$25 per card or $75 per card

up to 3 Alaska Airlines miles per $1 spent

Alaska Airlines miles value is up to 2 cents each 

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intro purchase APR no intro offersregular APR13.74 - 13.74% (V)
intro BT APR 4% min $10 13.74%
rewards 1-2 miles/$1 +10,000 on sign-up
  • 10,000 miles after first card purchase
  • 2 miles per $1 on Asiana purchases
  • 1 mile/$1 on all purchases

 

 

excellent required

$80 annual fee

2 miles/$1 on Asiana purchases

1 mile/$1 on all purchases

10,000 miles sign up bonus

read review
intro purchase APR 0% for 9 monthsregular APR11.74 - 21.74% (V)
intro BT APR 4% min $10 11.74-21.74%
rewards 1.5-3x points +25,000 sign-up bonus
  • get 25,000 Worldpoints after spending $1,000 in the first 60 days
  • 1.5 points on all purchases
  • 3 points on purchases made through BoA Travel center

 

 

excellent required

no annual fee

1.5 World points per $1 on everything

3x points on travel

redeem for travel, gift cards or cash 

read review

Small business cards work very similarly to personal cards. You can get a good combination of a personal and business card that will cover your personal spending and your business spending in the most efficient way to get the most of your purchases by combining maximum rewards categories from each card whenever it is needed. For example, get a personal card with max rewards on dining and groceries and a business card with maximum rewards on gas, office supplies, and telecommunications.

Be aware that typically, when you apply for a business credit card, you provide your personal Social Security Number and a personal guarantee on a business credit. That means that your personal credit will take a minor hit from the application (the same way as if you apply for another personal credit card), but after the card is issued and you pay your card payments on time, your personal score should stay intact.



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