Nino Gonzalez and his wife run MX Capital, LLC, a healthcare business providing nutrition and psychological services. After seeing the value that points and miles could provide through personal credit cards, Gonzalez realized that his business expenses represented another opportunity to earn rewards.

The business spends roughly $4,000 per month on expenses including gas, utilities and estimated tax payments. By strategically putting those purchases on rewards credit cards, Gonzalez estimates that he generates roughly 30,000 transferable points per month.

Building a Strategy Around Welcome Bonuses

Rather than relying on one business credit card for every purchase, Gonzalez frequently uses his business expenses to work toward credit card welcome bonuses.

He tracks his cards and spending with a spreadsheet he created himself, helping him keep tabs on spending requirements and his overall strategy. Business expenses provide another pool of purchases that can be used to earn welcome offers without requiring him to shift as much personal spending to a new card.

One particularly useful expense has been estimated tax payments. Gonzalez discovered that he could pay taxes with a credit card through the IRS website, creating another opportunity to generate rewards when the value of the points earned justifies the associated processing fee.

Using Business Rewards for Premium International Travel

The additional rewards have helped Gonzalez and his wife travel much more frequently. They now take roughly six or seven international trips per year.

Among his favorite points trips was a visit to Thailand with his wife. He has also taken a solo trip to Milan that included flights in both Emirates First Class and Lufthansa First Class.

Points have been particularly valuable for long-haul travel. Without them, Gonzalez says trips to destinations such as Asia would have required significantly more time in economy, making frequent international travel less appealing.

Passport and suitcase prepared for international travel.

Starting With a Relatively Small Business Budget

Gonzalez’s experience demonstrates that business owners don’t necessarily need six figures in monthly expenses to generate meaningful rewards.

With roughly $4,000 in monthly business spending, the opportunity comes from strategically pairing expenses with valuable credit card offers rather than simply relying on the number of points generated by everyday purchases.

His biggest regret was waiting to get started with business credit cards because he was concerned about keeping business and personal points separate.

The Bottom Line

For Gonzalez, business credit cards have turned expenses his healthcare business already incurs into another source of points for international travel.

The key isn’t spending more. It’s identifying business expenses that can responsibly go on a rewards card, choosing welcome offers with spending requirements the business can comfortably meet and paying attention to fees when using a credit card for expenses such as taxes. Combined with his personal points strategy, that approach has helped make frequent international trips and premium-cabin experiences much more attainable.