When you own a small business, you look for every opportunity to save money. And as you are making purchases, you want to earn the most valuable rewards possible, while enjoying perks and benefits when you’re on the road. Small business credit cards work almost exactly like personal credit cards, but they usually come with business friendly features like enhanced expense tracking and reporting tools. In addition, small business credit cards usually offer increased rewards for purchases that your company is more likely to make, such as office supplies and advertising.
The Top Travel Rewards Cards for Small Business Owners
The business version of this card also offers 5x Membership Rewards points on all flights booked directly with the airlines and on flights and prepaid hotels booked through American Express Travel. But in addition to transferring points to airline and hotel partners, you’ll also receive a 35% rebate on points redeemed for air travel booked through American Express. Other benefits include Gold elite status with Hilton and Marriott hotels, and access to Priority Pass, Delta SkyClub and American Express Centurion airport lounges. There is also an annual airline fee credit of up to $200, a $100 credit towards the Global Entry or TSA PreCheck application. There’s a $450 annual fee for this card, which increases to $595 next year.
The Delta Reserve for Business Credit Card and its consumer version are the top of the line Delta SkyMiles cards. They both offer a SkyClub membership for the primary cardholder only, and discounted admission for guests. New applicants can earn 10,000 MQMs and 40,000 bonus miles after spending $3,000 within the first 3 months of account opening. And every year, you can also earn 15,000 MQMs and 15,000 bonus miles after spending $30,000 in a calendar year. Earn an additional 15,000 MQMs and an additional 15,000 bonus miles after you spend a total of $60,000 in the same calendar year. Also included is an annual companion certificate, that offers you a free, round-trip, in economy or domestic first class domestic (lower 48) ticket, plus taxes and fees. There’s a $450 annual fee for this card, and no foreign transaction fees.
This card has no annual fee, but still offers you the ability to transfer your Membership Rewards points to airline miles or hotel rewards. It offers you 2x points on all purchases, up to $50,000 per calendar year, then one point per dollar after that. New accounts also receive 15 months of 0% APR financing on both new purchases and balance transfers (then the regular APR of 13.49% to 21.49% variable will apply). There’s no annual fee for this card, but it does have a 2.7% foreign transaction fee.
CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®
This card offers new applicants 70,000 bonus miles after spending $4,000 on new purchases within four months of account opening. It also offers 2 miles on American airlines purchases as well as purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations. Benefits include your first bag checked free on domestic American flights, preferred boarding and a 25% savings on American Airlines inflight Wi-Fi when you use your card. There’s a $99 annual fee for this card that’s waived the first year, and no foreign transaction fees.
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