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  • Writer's picturePoints By J

Best Business Credit Card for Travel Rewards

Updated: Mar 22

For a long time, I assumed that to get a business credit card, you had to have some kind of formal business entity like an LLC. Turns out: that is not true.


Any kind of small business counts, including sole proprietorships like your dog walking business, selling items on Facebook Marketplace, driving for Uber, contract work, etc.


That is great news for points fans because business credit cards tend to have:

  • Incredible sign-up / welcome bonuses

  • Great point earning bonus categories


Here's my ultimate guide for the best business credit cards on the market, including:


Luxury airport lounge access

The Business Platinum Card® from American Express- Learn more here

Best business card for gaining luxury lounge access, and earning points from airfare spend

A great option for luxury perks like lounge access. Annual fee can easily be offset by the available credits, if you can take advantage of them.

  • Sign-up bonus: Spend $15,000 on eligible purchases in the first 3 months to earn 120,000 Membership Rewards points

  • Bonus categories: 5x points on flights and prepaid hotels on amextravel.com, 1.5x points on business categories like electronics stores and U.S. shipping

  • Other Benefits:

    • Access to Amex's global lounge network

    • Annual credits of up to $400 at Dell Technologies, up to $360 with Indeed, up to $200 in airline fees, up to $150 with Adobe, and up to $120 on wireless phone purchases.*

    • And, more :)

  • Annual fee: $695 (see rates and fees)


Travel reward miles earning without bonus categories to track (2 miles per $1 spent)

Capital One Spark Miles for Business - Learn more here

Best for Capital One loyalists who want the best business credit card for travel rewards and non-bonus category spend earning

2 miles for every dollar spent - on every single purchase. The card has no limits or category restrictions and the miles won't expire for the life of the account. Plus, if you love Capital One's 15+ travel loyalty programs, this card is a no-brainer.

  • Sign-up bonus: Spend $4,500 on purchases in the first 3 months to earn 50,000 miles

  • Bonus categories: 2x miles for every $1 spent

    • Earn 5x miles on hotels and rental cars booked through Capital One Travel

  • Other Benefits:

    • Enjoy 2 complimentary airport lounge visits each year with options including Capital One Lounges or 100+ locations via their Partner Lounge Network

    • Up to $100 credit for Global Entry or TSA Precheck

    • Employee cards available at no additional cost

  • Annual fee: $0 intro annual fee for the first year, then $95 after


$0 Annual fee, strong sign-up bonus, and 1.5 miles per $1 spent

Chase Ink Business Unlimited® Credit Card - Learn more here

Best for Chase loyalists who want a business card for non-bonus category spend earning

This card is often marketed as a "cash back" card, but you actually earn Ultimate Rewards points that can be transferred to other Chase credit card accounts, like the Sapphire Preferred and Sapphire Reserve. Since I'm always looking for new ways to earn points that I can transfer to Hyatt for luxury hotel redemptions, this has become my "go-to" card for business expenses that don't fit into a particular bonus category.

  • Sign-up bonus: Earn $750 bonus cash back after you spend $6,000 on purchases in the first three months of account opening.

  • Bonus categories: 1.5x points for every $1 spent

    • Earn 5% cash back on Lyft rides through March 2025 (3.5% in addition to the 1.5% you already earn on everything dollar spent)

  • Other Benefits: Employee cards available at no additional cost

  • Annual fee: $0


Chase loyalists who want strong travel redemption perks

Ink Business Preferred® Credit Card - Learn more here

Best for Chase loyalists who want a business card that enables them to transfer points to Chase's travel partners like United, Southwest, Hyatt, and Marriott

This card is often marketed as a "cash back" card, but you actually earn Ultimate Rewards points that can be transferred to other Chase credit card accounts, like the Sapphire Preferred and Sapphire Reserve. Since I'm always looking for new ways to earn points that I can transfer to Hyatt for luxury hotel redemptions, this has become my "go-to" card for business expenses that don't fit into a particular bonus category.

  • Sign-up bonus: Earn 100,000 points after you spend $8,000 on purchases in the first three months of account opening.

  • Bonus categories: 1.5x points for every $1 spent

    • Earn 3 points per $1 on the first $150,000 spent in combined purchases in the following categories each account anniversary year:

      • Shipping purchases

      • Advertising purchases made with social media sites and search engines

      • Internet, cable and phone services

      • Travel

    • Earn unlimited 1 Point Per $1 spent on all other purchases.

    • Earn 5% cash back on Lyft rides through March 2025

  • Other Benefits: Employee cards available at no additional cost

  • Annual fee: $95


Great points earning from a couple of business categories

American Express® Business Gold Card - Learn more here 

Best for those with high-spend on a couple of business categories

Fantastic card to consider if you have a lot of expenses in a particular category. Business owners love to use this card for ad spending, especially!

  • Sign-up bonus: Spend $10,000 on eligible purchases in the first 3 months to earn 70,000 Membership Rewards points

  • Bonus categories: 4x points on every dollar spent on your top 2 spending categories (which could be gas and restaurants, or online ad spending).*

  • Annual fee: $375 (see rates and fees)

Moral of the story: don't count yourself out from these amazing business cards. It's much more straightforward to qualify for them than you might have thought.


Best business credit card for travel rewards
If you own any type of small business, having a dedicated business credit card can help you stay organized

*Each Benefit requires enrollment via their website, terms apply to American Express Benefits and offers. visit americanexpress.com to learn more.

Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

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