Top 10 Travel Rewards Cards for Small Business 2020

A business credit card is a great way to segregate business expenses or even just those expenses of an idea or hobby you are pursuing. It becomes an even better idea when it opens the door for you to earn additional welcome offers and travel rewards or cash back rewards to those that you are already earning through your personal cards. In many cases, applying for a business credit card does not impact your credit score or your borrowing capacity, and it usually does not count towards Chase's 5/24 limits. Here is BestCashCow's list of the 10 best business travel rewards cards.

Advertiser Disclosure

Card Welcome Offer / Maximum Value of Sign-Up Bonus How to Get Maximum Value Why BestCashCow Likes

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).
A fantastic Welcome Offer and great bonus categories make this card a "must have" for any small business that spends money on online advertising.

Chase Ink Business Unlimited Card

Chase Ink Business Unlimited Card
$0
First Year Fee

Bonus:

Receive a Welcome Offer of 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 on the card.  Transfer points accrued on this card to your Sapphire Preferred Card or Sapphire Reserve Card, or to a Chase Ink Business Preferred Card, in order to transfer them to Chase's travel partners or redeem for maximum value on Chase's travel portal. 
A great business card that offers 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 card or a Chase Ink Business card which enable you to transfer the points you receive to Chase travel partners.  

Chase Ink Business Cash Card

Chase Ink Business Cash Card
$0
First Year Fee

Bonus:

Receive a Welcome bonus of 50,000 points after spending $3,000 within your first three months of card membership.   


Max.Value: While the Welcome Bonus points earned in this card can be redeemed $500 as cash back, they can also be transferred to Chase Sapphire account or a Chase Ink Business Preferred account where they can be transferred to a travel partner. When used in this way, we ascribe at least a 2.05 cent per point value to these points (a $1,050 value to the Welcome Bonus).

The Chase Ink Cash ranks as one of our favorite Chase cards as gives 5x per dollar at office supply stores and on internet, cable and telecommunications spend up to a combined total of $25,000 maximum each anniversary year.   The Ink Cash card also now gives 2x per dollar at restaurants and gas stations up to a combined total of $25,000 maximum each anniversary year.   The card does not require a business EIN, but can be opened by an individual using their SSN in order to segregate business spend.   No annual fee.

A strong Welcome Bonus and the ability to earn 5 points per dollar on telecom spend and at office stores to $25,000 each year make this card a great asset for small business owners.

The Business Platinum® Card from American Express®

The Business Platinum® Card from American Express®
$595
First Year Fee

Bonus:

Receive as many as 75,000 Amex Membership Rewards points as a Welcome Offer - 50,000 Amex Membership Rewards points when you spend $10,000 within the first three months of card membrship, and an additional 25,000 Amex Membership Rewards points when you spend a total of $20,000 within those same first three months of card membership.  


Max.Value: $1,462.50 if you meet the requirements for the full 75,000 Welcome Bonus, as we value Amex points as high as 1.95 cents each when redeemed through Singapore Airlines KrisFlyer program. Other redemptions may be less valuable.
Earn 1.50x Membership Rewards on purchases over $5,000.    Earn 5X points for airline purchases directly with the airline or hotels reserved directly through Amex.  Card also provides free access to Amex's Centurion lounges worldwide for cardholder plus one guest.   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.  
 
 
The 5 point per dollar categories and access to Centurion lounges worldwide make this an attractive card.   We find the Centurion lounge in Hong Kong to be an especially nice feature for those doing business in Asia. The Personal Platinum card will probably do just fine for many.
 

United Business Card

United Business Card
$99
First Year Fee

Bonus:

Earn 100,000 United Mileage Plus points after spending $10,000 in your first three months of card membership.   


Max.Value: $1,800 if you qualify for the full 100,000 Mileage Plus points as we value United points around 1.80 cents each.

Earn 2x on United purchases, at restaurants, at gas stations and at office supply stores.  Also earn 2x at local transit including ride sharing services.   Earn 1 mile everywhere else.

Also, receive a 5,000 United miles on each anniversary when you have this card and a United personal credit card.

As few as 70,000 United miles can still be redeemed on any of its Star Alliance® partners for a one-way business class ticket from anywhere in the US to anywhere in Europe.   Star Alliance® partners include Lufthansa, TAP Portugal, Austrian Air and SAS Airlines.

The card includes 2 United Club passes upon enrollment and at each anniversary.   It also includes a 25% discount on in-flight purchases, a $100 credit after 7 United flight purchases of $100 or more, and a free first checked bag on United.    No foreign transaction fees.   

American Express® Business Gold Rewards Card

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

Bonus:

35,000 Membership Rewards points after spending $5,000 within 3 months of account opening. (Targeted offers may offer more Membership Rewards points).   $295 annual fee.


Max.Value: $700 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.

Gold Delta SkyMiles® Business Credit Card

Gold Delta SkyMiles® Business Credit Card
$0, $99 thereafter
First Year Fee

Bonus:

Earn 60,000 Delta Skymiles after spending $2,000 within your first three months of card membership.   Plus, earn an additional 10,000 miles when you renew your card on the first anniversary date.    


Max.Value: $600 as we generally value Delta Skymiles around a penny each.

Earn 2 Delta miles:

  • on every dollar spent on eligible purchases made directly with Delta,
  • on every dollar spent on eligible U.S. purchases for advertising in select media,
  • on every dollar spent on eligible U.S. shipping purchases,
  • on every eligible dollar spent on dining at restaurants.

Earn 1 Delta mile on all other spend.

The Card also provides a $100 Delta credit after you spend $10,000 in a calendar year.  

A great card for those who want to redeem rewards for their business spend on Delta Airlines.

The Blue Business Plus® Credit Card from American Express®

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

Bonus:

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:
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.

Marriott Bonvoy Business™ American Express Credit Card

Marriott Bonvoy Business™ American Express Credit Card
$125
First Year Fee

Bonus:

Receive a Welcome Offer of 75,000 Marriott points after spending $3,000 within your first three months of card membership.


Max.Value: $675 as well value these points around 9/10ths of a penny
Earn 6x at Marriott properties, 4x at US restaurants, US gas statiosn, on wireless telephone services purchased from US providers and on US purchases for shipping.  While some valuable redemptions can still be found at some Marriott properties in Hawaii and Colorado, the Marriott program is less valuable than the Starwood program that it acquired a few years ago.   

A great card for those business owners who find themselves staying frequently at Marriott properties.   

Capital One® Spark® Card 2% Cash

Capital One® Spark® Card 2% Cash
$0, $95 thereafter
First Year Fee

Bonus:

Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening.


Max.Value:

Earn unlimited 2% cash back on all spend on the card.  Free employee cards and no foreign transaction fees.   

A great card for those seeking cash back for their business spend instead of travel rewards.

Capital One® Spark® Card 2X Miles

Capital One® Spark® Card 2X Miles
$0, $95 thereafter
First Year Fee

Bonus:

Earn a one-time bonus of 50,000 miles - equal to $500 in travel - once you spend $4,500 on purchases within the first 3 months from account opening.


Max.Value:

Earn unlimited 2 points per dollar on all spend, and earn 5 points per dollar on hotels and rental cars booked through Capital One Travel.  No foreign transaction fees.    BestCashCow values these points at no more than a penny a piece - while the transfer partners include Cathay Pacific, Singapore, Air Canada, JetBlue, AirFrance KLM, Qantas and Finnair, the points are all transferrable at no better than 2 for 1.

A great card to give to your employees as you can get unlimited employee cards with spend limits.

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.

 

A great card for those business owners fly American Airlines or seek to accumulate AAdavantage points. 

CitiBusiness® AAdvantage® Platinum Select® Credit Card

CitiBusiness® AAdvantage® Platinum Select® Credit Card
$0, $99 thereafter
First Year Fee

Bonus:

70,000 American Airlines miles after spending $4,000 in first four months.


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

A great card for those business owners fly American Airlines or seek to accumulate AAdavantage points. 

The table above is generated by BestCashCow and includes BestCashCow’s commentary about the credit card product listed. It may include references to products from one or more of advertisers, but no content herein has not been reviewed, approved or endorsed by any advertiser. BestCashCow has partnered with CardRatings for our coverage of credit card products. We may receive compensation when you click on links to products. Additional terms may apply.