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Part 3: The Best Business Credit Cards on the Market

Spencer Howard – 10xTravel Contributor 

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In Part 2 of our Introduction to Small Business Cards series, we discussed some perks that business cards can provide. You can check out Part 2 here.

If you missed Part 1, we covered who is eligible for business cards. Click here to find out if you can get a business card to boost your miles and points.

Now, let’s get to the fun part! What Card Should You Choose?

Working At Office

Now that you’ve discovered you are eligible for a small business card, you’ll need to figure out which card (or cards) will get you on your way to some amazing travel experiences.

Here are some of our top choices.

 

Chase Ink Business Plus  

Perhaps the miles and points community’s favorite card, the Chase’s Ink Business Plus card provides amazing benefits and is one of the best card to use if you want to earn Chase Ultimate Rewards points—and who doesn’t?! These points can be transferred to seven airlines and four hotel brands.

The Ink Plus is also currently offering a sign-up bonus of 60,000 points after you spend $5,000 in the first 3 months. You can read more about this by visiting our credit cards page.

With each purchase at office supply stores and on cell phone, landline, internet, and cable TV you will earn five points per dollar. You also earn two points per dollar at gas stations and hotels (when purchased directly with a hotel).

I don’t know about you, but this sounds like a great deal to me! I put many of my business expenses on this card.

Another perk that sometimes goes unnoticed is if you are traveling for work and experience a trip cancellation or interruption, you can be reimbursed—even for non-refundable travel expenses.

This card really rewards cardholders and should be a staple in your credit card portfolio if you have a business. If you plan on applying, please do so via our credit cards page.

 

Starwood Preferred Guest Business

With the SPG Business Card, we see a creative benefits package that packs quite the punch.

Its earning structure is simple. You earn two to five points per dollar at Starwood properties (depending on your status with SPG) and one point per dollar on all other purchases. But it’s your ability to redeem these points for great value where it really shines.

With over 30 airline partners, there is ample opportunity to use your points for flights. The best part about transferring Starpoints to airlines is that for when you transfer 20,000 points, you get an additional 5,000 miles as a bonus.

As someone who loves travel, the ability to turn 20,000 points into 25,000 miles is an amazing benefit. Additionally, Starwood hotels provide some amazing value for reward stays starting at only 3,000 points per night (2,000 on weekends).

Now that we’ve addressed the SPG Business Card’s ability to help get you where you’re going and help you settle in on vacation, let’s examine some of the perks.

As a cardholder you receive complimentary access to Sheraton Club Lounges, premium internet at Starwood properties, and Boingo Wi-Fi around the world. Being able to relax in the lounge or connect to the internet when you need it makes travel just that little bit easier.

You also receive credit for 5 nights and 2 stays annually to help you reach your next level of Elite status faster. Even if you don’t stay in hotels enough to earn status, you can earn Gold status by spending $30,000 in a calendar year.

This is another card that many have had for years. With the announcement that Marriott has purchased Starwood, we might not have too much time left to get this card.

You can find more information by reading the terms and conditions of this card and others on our credit cards page.

 

American Express Business Gold Rewards

If you’re looking for a way for your business spending to earn you tons of Membership Rewards points, the Business Gold Rewards card might be right for you.

You receive three points per dollar on one of the following categories of your choosing:

  • Airfare purchased directly from airlines
  • U.S. purchases at gas stations
  • U.S. purchases for shipping
  • U.S. purchases for advertising in select media
  • U.S. computer hardware, software, cloud computing purchases made directly from select providers

Your business spending will determine which category you should choose to earn three points per dollar. You will still earn two points per dollar on the categories you don’t choose.

You can read more about the Amex Business Gold card here.

 

American Express Business Platinum

If you’re looking for big-time travel perks, you should consider the American Express Business Platinum card. It earns Membership Rewards points like the Business Rewards Gold card, but the perks are where it really shines.

A favorite of many travelers are the American Express Centurion lounges and this is a great way to gain access. I can’t tell you the number of times I’ve heard people gush over these lounges.

The lounge fun doesn’t end there, though. When flying Delta, you will have access to Delta Sky Clubs, often considered the best lounge product of the U.S. legacy carriers. You also receive access to Priority Pass Select lounges.

Another great perk, is the annual $200 airline fee credit that can cover fees such as in-flight refreshments and checked bags.

You’re probably thinking, “but what about in-flight internet?!”

Well, this will make you even more excited. The American Express Business Platinum comes with complimentary Gogo in-flight internet. It also provides access to Boingo Wi-Fi hotspots across the world to keep you connected.

Now you’re starting to get a sense of what this card has to offer, but it’s not over yet.

You will receive a $100 credit to get Global Entry, which also gives you access to TSA PreCheck. You’re already enjoying a better travel experience, so why not have a smoother experience going through security when embarking on and returning from your adventures.

With air travel taken care of, let’s talk hotels.

Holding this card gives you Gold status in the Starwood Preferred Guest program. You don’t even have to meet stay requirements. Just get the card and enjoy your status bump.

Finally, booking through Fine Hotels & Resorts, you’ll receive several fun perks:

  • Complimentary noon check-in
  • Room upgrade when available
  • Daily breakfast for two
  • Complimentary Wi-Fi
  • Guaranteed 4pm checkout
  • Additional special amenity

The benefits of this card are clear. If you’re ready to live the perks life, consider this card.

 

Bottom Line

We’ve covered a lot in this three-part series, so don’t forget to review parts one and two.

As you can see from the specific examples we discussed, how you plan to travel can be a great guide as to which card is right for you. Your travel habits and goals may change over time, and that’s okay too. There are ways for all of us to utilize these cards.

If you have any questions about what we’ve covered in this series, drop me a note and we can dive into it. Until then…

See you in the sky,

Spencer

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