For many people, travel rewards are the most lucrative credit card rewards out there.
While some people prefer the ease of cash back, travel rewards can be powerful if you’re a business owner who spends countless hours working hard on trips across the country or around the world.
Consider a travel business credit card if you travel for business often, or if you simply want to save rewards to take the occasional personal trip.
American Express AIR MILES Gold Business Card
American Express AIR MILES Gold Business Card
19.99 %APR
Purchase interest rate
Eligibility criteria, terms and conditions, fees and charges apply
American Express AIR MILES Gold Business Card
Apply today and receive 150 AIR MILES® when you spend $1,000 within the first 3 months of card membership. Terms apply.
Purchase interest rate: 19.99%
Cash advance rate: 22.99%
Annual fee: $0
Credit rating: Fair, Good, Excellent
Minimum age: Age of majority in the province/territory of residence
*The products compared on this page are chosen from a range of offers available to us and are not representative of all the products available in the market. There is no perfect order or perfect ranking system for the products we list on our Site, so we provide you with the functionality to self-select, re-order and compare products. The initial display order is influenced by a range of factors including conversion rates, product costs and commercial arrangements, so please don’t interpret the listing order as an endorsement or recommendation from us. We’re happy to provide you with the tools you need to make better decisions, but we’d like you to make your own decisions and compare and assess products based on your own preferences, circumstances and needs.
*The products compared on this page are chosen from a range of offers available to us and are not representative of all the products available in the market. There is no perfect order or perfect ranking system for the products we list on our Site, so we provide you with the functionality to self-select, re-order and compare products. The initial display order is influenced by a range of factors including conversion rates, product costs and commercial arrangements, so please don't interpret the listing order as an endorsement or recommendation from us. We're happy to provide you with the tools you need to make better decisions, but we'd like you to make your own decisions and compare and assess products based on your own preferences, circumstances and needs.
How to compare business travel rewards credit cards
There’s no such thing as a perfect card. Rather, there’s a card that works well specifically for your business. While comparing different products, consider these factors:
Annual fee
A good starting consideration for any credit card is what it’ll cost you out of pocket. Typically, you’ll pay between $0 to $250 a year for a business credit card. For high-end cards, expect to pay upwards of $499 a year. The higher the annual fee, the more perks and complimentary extras a card tends to have.
Rewards
Certain cards offer accelerated points or miles for specific spending categories. If you accumulate rewards in these accelerated spending categories, you may find your card effectively pays for itself rather quickly. If you don’t want to keep track of different reward tiers, go for a flat-rate rewards card that offers miles or points on all spending.
Card type
In general, you’ll choose between a regular credit card or a charge card. A charge card is suited toward those who pay off their balance in full each month, while a regular credit card comes with less risk if you tend to carry a balance between billing cycles.
Most business cards are general cards, with the exception of the Marriott Bonvoy Business American Express Card, which is geared toward those who use Marriott hotels frequently. A general card is typically a good choice if your spending is dispersed throughout several categories or if you don’t frequent hotels much.
You’ll earn points or miles you can spend on a variety of travel rewards, such as airfare, hotels, cruises and car rentals. Consider a hotel card if you’re a loyal customer of that specific hotel brand.
Signup bonus
Business credit cards typically come with lucrative signup bonuses. Before applying for a card, consider whether you can meet the minimum spend requirement to receive the full signup bonus. You get one chance to fulfil the requirement — if you don’t meet it within a specified period of time, you won’t get another shot.
Intro or low APRs
A balance transfer intro APR is helpful when you have existing business debt. Any 0% or low APR balance transfer period of six months or higher might be a good deal — but watch out for any balance transfer fees.
A low interest rate on purchases for the life of the card can be handy if you have an unpredictable cash flow or you anticipate large business purchases in the near future that you might not be able to pay off in full. Low interest rates usually sit between 8.99% to 15.99%.
Separate personal and business expenses. There can be many benefits to getting a business credit card, such as establishing a business credit history, keeping your personal credit utilization low and acquiring employee cards. Plus, when it comes to tax time, keeping your business and personal expenses separate can prove very handy.
You travel a lot. If travel is a big business expense, you might have a great reason to get a business credit card for travel. Most notably, you can earn significant rewards for activities like flying and staying in hotels. You might also get other benefits like complimentary airport lounge access, travel insurance and more.
You want travel rewards. Even if you don’t travel much, a business credit card for travel might be useful. You can earn rewards throughout the year from normal business spending, then use your points or miles for an occasional getaway.
A business credit card for travel can be a good choice if you travel often or want to save rewards for occasional personal trips.
To find the right card for you, compare different credit cards by weighing out the cost and rewards of each.If you’re not sure that a business credit card for travel is right for you, compare other business credit cards.
With most business credit cards, you can add your employees to your account as authorized users. This means your employees will have their own physical credit cards. Some providers will charge a discounted annual fee for extra cards, while others may charge no fee for additional cards. Plus, some card providers will let you set employee spending limits and allow you to easily track spending.
There are many possible reasons a provider may deny your application. For example, you may have limited income, no business credit score or a lack of collateral.
Emma Balmforth is a Producer at Finder. She is passionate about cryptocurrency, credit cards and loans, and enjoys helping people understand the often confusing world of finance. Emma has a degree in business and psychology from the University of Waterloo. She wants to help people make financial decisions that will benefit them now and in the future.
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