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.
$95 annual fee
25% bonus on your points when redeemed for travel
redeem for travel, cash or gift cards
$95 annual fee, waived for the 1st year
up to 2 miles/$1
50,000 sign-up bonus
lots of AAirlines travel perks
$0 first-year annual fee, $59 after
Earn 2% No Hassle Miles on all purchases. Up to 50,000 sign up bonus
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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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
no annual fee
1.5 World points per $1 on everything
3x points on travel
redeem for travel, gift cards or cash
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.