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Did you know you’re forfeiting valuable miles & points if you’re not using the right card to pay for your business travel? One of the largest perks of traveling for business is being able to have your expenses paid for while keeping all the points for yourself!
I traveled for work consistently in 2017. However, I was pretty broke and fully invested in cash back credit cards. I currently look back and hate myself for missing out on all those points!
4 Best Credit Cards for Business Travel Expenses
For Flights – Chase Ink Business Preferred
Apply Here: Ink Business Preferred℠ Credit Card
Read our review of the Ink Business Preferred
The Ink Business Preferred is our top pick for paying your travel expenses for business.
With the Ink Business Preferred, you’ll earn 3X Chase Ultimate Rewards points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, internet, cable and phone services, advertising purchases made with social media sites, and search engines.
So, for example, if you average $3,000 per month in travel expenses, you’ll earn 108,000 Chase Ultimate Rewards points over the year!
The Ink Business Preferred also has the most valuable welcome bonus on this list (by FAR). You’ll earn 80,000 Chase Ultimate Rewards points after you spend $5,000 on purchases in the first 3 months from account opening. That’s worth at LEAST $1,000 in travel.
But it can be worth much more if you transfer those points to valuable partners like Southwest, British Airways, and Hyatt. Check out our video on how to transfer your points to airlines and hotels here.
You’ll also get outstanding benefits and perks from the Ink Business Preferred, like cell phone insurance. That, along with travel benefits, makes the Ink Business Preferred worth much more than the annual fee for most folks.
For Hotel Stays – Hilton Honors American Express Ascend Card
Apply Here: Hilton Honors American Express Ascend Card
If you’re traveling frequently, you’re most likely staying in large chain hotels.
Hilton has done a great job with their line of American Express cards. I’ve been able to earn over 500,000+ points through their new cards, and you can earn even more than I did with your traveling career!
Our favorite is the Hilton Honors American Express Ascend Card, which earns 12 Hilton points per $1 spent at Hilton hotels. Along with this, you will earn a healthy 125,000 Hilton Honors points after spending $2,000 on purchases in the first 3 months of account opening.
To add to the value of this card, you will have automatic Hilton Honors Gold status, so you can look forward to possible room upgrades in the near future, as well as free breakfast at all Hilton hotels.
There is a $95 annual fee (See Rates & Fees). But if you hotel hop enough, you’ll save much more than that on breakfast alone!
For Eating Out – American Express Gold Card
Apply Here: American Express® Gold Card
While you are traveling for work, chances are you will be eating out a bunch.
With the American Express® Gold Card, you can earn 4X AMEX Membership Rewards points per $1 at US restaurants. And you can earn 3X points per $1 on flights booked directly with the airline or through AMEX Travel.
All-Around Best Travel Card – Chase Sapphire Reserve
Apply Here: Chase Sapphire Reserve
Read our review of the Chase Sapphire Reserve
The Chase Sapphire Reserve is an extremely efficient card for the avid business traveler. It comes with top-of-the-line travel perks, excellent travel insurance, and its strong earning rate makes it easy to rack up Chase Ultimate Rewards points quickly.
Currently, the Chase Sapphire Reserve has a 50,000 point bonus after spending $4,000 on purchases in the first 3 months of account opening. These points alone are worth at least $750 in travel!
The card does have a $450 annual fee, but it also comes with up to a $300 travel credit (Chase will reimburse your first $300 in travel spending each cardmember year). You will also earn 3X Chase Ultimate Rewards points per $1 on travel and dining (effectively 4.5% back toward travel!), both very large expenses for a business traveler.
In addition, the Chase Sapphire Reserve comes with a vast number of benefits and perks to make your travels easier, including up to a $100 statement credit for Global Entry or TSA PreCheck (you don’t have to remove your laptop from your bag or take off your shoes and jacket at the airport security checkpoint)
And the free Priority Pass airport lounge membership lets you freshen up before a meeting or relax as you wait for your outbound flight.
Paying your business travel expenses with the right card will net you an incredible amount of points and miles! The best part about this is if your company reimburses you, you don’t even need to spend your own money! Our 4 top picks are:
- Ink Business Preferred℠ Credit Card
- American Express Gold Card
- Hilton Honors American Express Ascend Card
- Chase Sapphire Reserve
Check out our full guide on the best small business credit cards. And let us know your top credit card picks for business travelers! And subscribe to our newsletter if you want more If you are interested in more advice to maximize your expenses for points & miles, subscribe to our newsletter!
For rates and fees of the American Express® Gold Card, please click here.
For rates and fees of the Hilton Honors American Express Ascend Card, please click here.