Top 10 Travel Rewards Cards for Small Business 2019

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Card Sign-Up Bonus / Maximum Value of Sign-Up Bonus How to Get Maximum Value Great For

Chase Ink Business Preferred® Card

Chase Ink Business Preferred® Card
$95
First Year Fee

Bonus:

Get 80,000 points after spending $5,000 in the first three months.   Additional Earning Opportunities: Receive 3x points on travel, shipping, online advertising (Google, Facebook) and internet/cable/phone expenditures up to a total of $150,000 per year.  


Max.Value: $1,640 as we value Chase points as high as 2.05 cents per point on some redemption opportunities at United, Hyatt, British Airways or Singapore Airlines.
The complete list of Chase transfer partners is here.  Among the most valuable redemptions are: 
 
Hyatt - 8,000 points gets a night at the Hyatt Regency Greenville, SC.
British Airways - 15,000 points gets a round trip ticket between Chicago and the East Coast (on AA).
United - 140,000 points gets a RT business class ticket from JFK to Narita.
Singapore - 60,000 points gets a RT business class ticket from the mainland US to Hawaii (on United).

American Express Business Platinum

American Express Business Platinum
$450
First Year Fee

Bonus:

100,000 Amex Membership Rewards points (50,000 when you spend $5,000 in first three months and 50,000 if you spend $10,000 in those three months).   Targeted offers are often as high as 150,000 points, but require a $20,000 spend in three months.   Additional Earning Opportunities: Earn 5X points for airline purchases or hotels reserved directly through Amex.  


Max.Value: $1,950, as we value Amex points as high as 1.95 cents each when redeemed through Singapore Airlines KrisFlyer program (other opportunities are significantly less valuable). $2,925 if you are targeted for the 150,000 points promotion. Other redemptions are significantly less valuable.
The complete list of travel partners to which Amex points may be transferred is here.   
 
Singapore Airlines KrisFlyer and ANA are the partner that ordinarily provides the most valuable use of your Amex points.  

Those who can benefit from the 5x Membership Rewards points for airline tickets when booked directly with the airline. 

Barclays AAdvantage® Aviator® Business Mastercard®

Barclays AAdvantage® Aviator® Business Mastercard®
$95
First Year Fee

Bonus:

Earn 60,000 points after your first purchase in the first 3 months.  We value American AAdvantage miles as high as 1.90 cents each.


Max.Value: $1,140 as we value AAdvantage miles as high as 1.90 cents each.
45,000 miles gets a round trip ticket between the US and Europe during low season.

 

Those who fly American Airlines or who seek to redeem points on American.

CitiBusiness® AAdvantage® Platinum Select®

CitiBusiness® AAdvantage® Platinum Select®
$0, $95 thereafter
First Year Fee

Bonus:

70,000 American Airlines points after spending $3,000 in first three months.


Max.Value: $1,330 as we value American points as high as 1.9 cents each.

Those who fly American Airlines or seek to redeem points on American.

American Express® Business Gold Rewards Card

American Express® Business Gold Rewards Card
$295
First Year Fee

Bonus:

50,000 points after spending $10,000 within 3 months of account opening, with an additional 25,000 points if you spend an additional $10,000 within those 3 months. (Targeted offers sometimes offer the full 75,000 points after spending only $5,000 in three months).   $295 annual fee.


Max.Value: $925 when redeemed on Singapore Airlines, ANA or one of Amex's more valuable travel partners.

Designate 2 of the following categories for 4x Amex Membership Rewards® points on a combined total of $150,000 spend annually:

  • Airfare purchased directly from airlines
  • U.S. purchases for advertising in select media (online, TV, radio)
  • U.S. purchases made directly from select  technology providers of computer hardware, software, and cloud solutions
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants
  • U.S. purchases for shipping

Those who can take advantage of the 4x categories and who like Amex's travel partners.

Amex Delta Business

Amex Delta Business
$0, $95 thereafter
First Year Fee

Bonus:

50,000 Delta Skymiles if you spend $2,000 within your first five months of card membership.   Additional Earning Opportunities: 2x Delta Skymiles per dollar spent on Delta.


Max.Value: $500 as we value Delta Skymiles as high as a penny.

Those who want to redeem rewards for their business spend on Delta Airlines.

Marriott Business Credit Card

Marriott Business Credit Card
$99
First Year Fee

Bonus:
75,000 Marriott points.

Max.Value: $675
Earn 5x at Marriott properties, 2x on air travel booked directly from the airine and 1x everywhere else. Some commentators have suggested that there will be a temporary opportunity to find valuable rewards at the high end Starwood properties in late 2018, since as the St. Regis in Florence, which will temporarily be redeemable at 60,000 Marriott points (versus 70,000 Starwood). Otherwise, the recent merger leaves points redeemable at about 9/10ths of a penny.

 

The Blue Business Plus Credit Card from American Express

The Blue Business Plus Credit Card from American Express
$0
First Year Fee

Bonus:

20,000 bonus Membership Rewards points after spending $3,000 in your first 3 months of cardmembership.  Link your Business Blue account to your Membership Rewards account with a Gold or Platinum card and all sign-on and earned points will be directly transferred into one common account.


Max.Value: $390 when the 20,000 points are transferred to a travel partner where we think these points are worth as much as 1.95 cents each.
2x points for every dollar you spend up to $50,000 each year.  The complete list of travel partners to which Amex points may be transferred is here.  ANA and Singapore are ordinarily the most valuable use of these points.

United Mileage Plus Explorer Card for Business®

United Mileage Plus Explorer Card for Business®
$0, $95 thereafter
First Year Fee

Bonus:

50,000 bonus points when you spend $3,000 in 3 months.


Max.Value: $900 as we value United points around 1.80 cents each.

Redeem 140,000 points for a business class ticket from JFK to Narita, or redeem 30,000 points for an intra-Europe coach class ticket on a Star Alliance® partner.

Those who can benefit from earning 2x United points points on United, on restaurants, at gas stations, and at office supply stores.  Those who fly United can also benefit from in-terminal discounts when using the card, and 2 passes to the United Club that you get upon approval. 

Chase Ink Business Unlimited Card® (Use in Conjunction with a Personal Sapphire Card)

Chase Ink Business Unlimited Card® (Use in Conjunction with a Personal Sapphire Card)
$0
First Year Fee

Bonus:

50,000 points after spending $3,000 in first 3 months.


Max.Value: $1,025 as we value Chase points as high as 2.05 cents per point.
Earn 1.5 points on all spend.  Transfer points from this card to your Sapphire Preferred Card or Sapphire Reserve Card in order to transfer them to Chase's travel partners or redeem for maximum value on Chase's travel portal. 
Those seeking a business card which gives them 1.5x the Chase points without an annual fee and without any spend categories.  The value of this card is only fully realized if you also have a personal Chase Sapphire Reserve card or a Chase Ink Business card which enable you to transfer the points you receive to Chase travel partners.  

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.