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I love Big Travel with Small Money, so I thought it’d be fun to highlight the best small business credit cards for travel rewards. Because everyone needs a break sometimes, even small business owners!
I’ll share my top picks!
The Best Business Credit Cards for Big Travel
These are some of my favorite small business cards, in no particular order. The best for you will depend on your travel goals, and which categories are relevant to your business.
Remember, you do NOT need to have employees or make tons of money to qualify for these cards. But you MUST be intending to make a profit with a legitimate business.
If you don’t have a Tax ID or EIN (Employer Identification Number) it’s OK. You can apply with your Social Security Number.
Be sure to read my getting started guide if you’re new to miles and points!
1. AMEX Starwood Small BusinessCard
The AMEX Starwood small business card is a terrific all-around credit card for earning points. You will earn 2X Starwood points per $1 spent at Starwood hotels, and 1X Starwood point per $1 spent on all other purchases.
For instance, after spending $5,000 on business expenses, you’ll earn 5,000 Starwood points. With Starwood’s Cash & Points program, those 5,000 points get you a night at great Category 4 hotels like the Sheraton Austin Hotel at the Capitol when you add a $75 co-pay. That’s a great deal because hotels like this normally cost ~$400 a night!
This card usually has an increased sign-up bonus of 30,000 Starwood points in late summer each year – but no guarantees it will return! Still, this is a great card to get even when the bonus is 25,000 Starwood points.
Starwood points can be used for award stays at Starwood hotels and award flights when transferred to ~30 airline partners such as American Airlines.
There are lots of ways to save money on stays at Starwood hotels including Cash & Points (possibly my favorite way!) and Nights & Flights. You can even use Starwood points for once-in-a-lifetime experiences like meeting the cast of a Broadway play or throwing out the 1st pitch of a baseball game with SPG Moments!
Starwood points are valuable because they’re versatile. Be sure to read my review of the card and all the great perks you get with AMEX small business cards, including AMEX Offers, AMEX OPEN savings, and statement credits for supporting local businesses (like yours!) on Small Business Saturday.
2. Chase Southwest Premier Business Card
The Chase Southwest Premier Business Card is another 1 of my favorite cards because the sign-up bonus counts toward earning the Southwest Companion Pass, which lets you travel with a partner for (nearly) free!
Emily and I don’t receive a commission on this card, but we want our readers to always know about the best deals!
This card has a sign-up bonus of 50,000 Southwest points that comes around every few months. It’s the highest sign-up bonus available, so I recommend applying now to get the most points possible!
50,000 Southwest points are worth ~$625 to ~$715 in Southwest flights. And almost double that if you have the Southwest Companion Pass! Southwest not only flies in the US, but to Mexico, and the Caribbean!
You’ll earn 2X Southwest points per $1 spent on Southwest Airlines flights, and 1 Southwest point per $1 spent on all other purchases.
You’ll also get 6,000 bonus Southwest points each year on your card anniversary, which you can use for award flights. And remember, everyone gets 2 free checked bags and NO change fees on Southwest flights!
3. AMEX Gold Delta Business Card
I’ve written about how to use Delta miles for award flights to Europe.
The AMEX Gold Delta business card earns 2X Delta miles per $1 spent on Delta flights, and 1 Delta mile per $1 spent on other purchases.
It also comes with the 1st free checked bag on Delta flights for yourself and up to 8 companions on the same itinerary. If you travel with your employees, this perk alone can save you a lot of money!
4. Citi American Airlines Business Card
If you like to fly American Airlines, the Citi American Airlines Business Card is a good complement to your travels, and a great way to rack up miles on business purchases.
You’ll earn 2X American Airlines miles per $1 spent on American Airlines flights, and 1X American Airlines mile per $1 spent on other purchases.
You’ll also get priority boarding and a free checked bag for yourself and up to 4 others traveling on the same itinerary.
Be sure to read my series about how to use American Airlines miles!
5. AMEX Business Gold Rewards Business Card
With The Business Gold Rewards Card from American Express OPEN, you’ll earn 3X AMEX Membership Rewards points on 1 of these 5 bonus categories of your choice:
- Airfare purchased directly from airlines
- Advertising, like on Google, Facebook, Yahoo, NBC, and CBS
- US gas stations
- Hardware, software, and cloud computing purchases made directly from select providers
You’ll earn 2X AMEX Membership Rewards points per $1 spent in the other 4 categories, and 1X AMEX Membership Rewards point on other purchases.
This is 1 of the only cards that rewards someone who does a lot of advertising for their services, like:
- Car salespeople
- Real estate agents
- And anyone else who utilizes online advertising!
And the other categories are useful to a variety of industries, like gas for company vehicles, shipping for those who sell online, or airfare for consultants who travel often.
This card earns AMEX Membership Rewards points, which you can transfer to several airline and hotel partners, or redeem for gift cards or statement credits!
6. Chase Ink Cards
Link: Chase Ink Plus
The Chase Ink Cash is a good option, too, because it earns:
- 5X Chase Ultimate Rewards points (5% cash back) on the 1st $25,000 spent in combined purchases at office supply stores and on cell phone, landline, internet, and cable TV services each card year
- 2X Chase Ultimate Rewards points (2% cash back) on the 1st $25,000 spent in combined purchases at gas stations and restaurants each card year
So it’s a great way to earn points toward travel not only on office supplies, but also when entertaining clients at business lunches, dinners, and drinks. And when filling up the tank!
And it has NO annual fee!
Folks who also have the Chase Sapphire Preferred, Chase Ink Plus, or Chase Ink Bold, can easily combine their points to transfer to airline and hotel partners like United Airlines and Hyatt. Or book travel at the Chase Travel Portal, where points are worth 1.25 cents each!
The Chase Ink Plus earns 5X Chase Ultimate Rewards points in the same categories as the Chase Ink Cash, but earns 2X Chase Ultimate Rewards points per $1 spent at gas stations and on hotel stays booked directly with the hotel, on up to $50,000 spent per card year.
Again, when you have the Chase Ink Plus card, you can transfer Chase Ultimate Rewards points to a variety of airline and hotel partners, like Marriott and British Airways.
Or, you can use Chase Ultimate Rewards points at the Chase Travel Portal, where they’re worth 1.25 cents apiece toward travel purchases!
Note: You can only get the 1.25 cents per point rate at the Chase Travel Portal when you have the Chase Ink Bold, Chase Ink Plus, or Chase Sapphire Preferred cards. Those cards allow you to transfer Chase Ultimate Rewards points earned from other cards (like the Chase Ink Cash) into 1 of these accounts to get the better rate.
These are both great options if you spend a lot on phone bills, internet service, or at office supply stores.
Emily and I don’t receive a commission for the Ink Plus card, but we’ll always tell you about the best offers!
If you’re a small business owner who likes to travel for leisure or to visit family and friends, or if you travel often for work, a travel rewards card is a great tool for both your travel goals and your small business.
There are lots of great small business credit cards that offer miles and points for award travel. Choose the 1 that’s right for you!
And good luck with your business! 🙂