Choosing the best credit card for business expenses and travel depends on your specific spending habits and travel preferences. Here are a few top contenders, categorized by their strengths: (these terms are as of 1/15/2024 and change frequently, check with each issuer’s terms for the latest details)
Best for travel rewards and flexibility:
The Ink Business Cash Credit Card is perfect for businesses that spend a lot in specific categories. Cardholders earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year. Additionally, 2% cash back is earned on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, with 1% cash back on all other purchases. With no annual fee, this card offers significant value for businesses that can maximize rewards in its bonus categories.
Here are more detailed features of the Ink Business Cash® Credit Card
- Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Member FDIC
The Ink Business Preferred Credit Card is a prime choice for businesses looking to maximize their travel rewards. Cardholders earn 3 points per dollar on the first $150,000 spent in combined purchases on travel, shipping purchases, internet, cable and phone services, and on advertising purchases made with social media sites and search engines each account anniversary year. All other purchases earn an unlimited 1 point per dollar spent. Points are worth 25% more when you redeem them for travel through Chase TravelSM, making this card especially valuable for companies with high travel expenses.
Here are more detailed features of the Ink Business Preferred® Credit Card
- Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That’s $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more – your points don’t expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Travel℠
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
The Ink Business Unlimited Credit Card offers a straightforward rewards structure, making it an excellent choice for businesses looking for simplicity. It provides an unlimited 1.5% cash back on every purchase made for the business. With no annual fee and no categories to track, it’s an attractive option for business owners who prefer an easy-to-understand rewards program that rewards them on every purchase.
Here are more detailed features of the Ink Business Unlimited® Credit Card
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
- Member FDIC
The Ink Business Premier Credit Card is designed for businesses that spend heavily and prefer cash back. This card offers an unlimited 2% cash back on all purchases, with no caps or categories to worry about. It’s geared towards businesses looking for a premium card with significant cash back rewards on their extensive spending. The card does come with an annual fee, but for businesses that can leverage the 2% cash back rate, the rewards can quickly offset the cost.
Here are more detailed features of the Ink Business Premier® Credit Card
- Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
- Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
- Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Travel℠, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
- The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
- Get the buying power you need to make large purchases, cover monthly expenses and help your business grow. While you must pay your Pay In Full balance each month, this card has built-in flexibility. The Flex for Business feature allows for qualifying purchases to be paid over time with interest.
- Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
- There’s no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
- Member FDIC
Best for high spenders and luxury travel:
None at this time.
Best for flat-rate cash back:
None at this time.
Best for specific airlines or hotels:
Here are more detailed features of the Southwest® Rapid Rewards® Performance Business Credit Card
- Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
- 9,000 bonus points after your Cardmember anniversary.
- Earn 4X pts on Southwest® purchases.
- Earn 3X points on Rapid Rewards® hotel and car rental partners.
- Earn 2X points on rideshare.
- Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.
- 4 Upgraded Boardings per year when available.
- Member FDIC
Here are more detailed features of the Southwest® Rapid Rewards® Premier Business Credit Card
- Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
- 6,000 bonus points after your Cardmember anniversary.
- Earn 3X points on Southwest Airlines® purchases.
- Earn 2X points on Rapid Rewards® hotel and car rental partners.
- Earn 2X points on rideshare.
- 1 point per $1 spent on all other purchases.
- 2 EarlyBird Check-In® each year.
- Member FDIC
When picking out a credit card for your business, it’s a bit like finding the right pair of shoes. You want something that fits your business’s spending style and travel needs just right. Think about how often you travel and where you spend most of your business funds. Then, it’s like balancing a budget – you’ve got to weigh up the annual fees and interest rates against the rewards you’ll get. Are those points, cashback, or travel perks going to be worth it in the long run? It’s all about making sure the card’s benefits are in sync with your business’s rhythm.
Opinions expressed here are the 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.
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