If you’re a new business owner who loves travel, certain business credit cards can help you save money and earn valuable miles on everyday expenses. Below are several cards that work particularly well for entrepreneurs, offering useful perks, strong earning rates, and benefits tailored to common business needs.
Ink Business Cash
The Ink Business Cash Credit Card has no annual fee and makes a solid starter option for business owners who don’t want a premium card. It offers a $500 cash back bonus after spending $3,000 in the first three months. You earn 5% cash back on select business categories and 2% on restaurants and gas (each up to $25,000 per year). All other purchases earn 1% cash back. Once the $25,000 cap is reached in the higher-earning categories, earnings drop to 1% on those purchases as well.
The 5% categories generally include office supplies, cable, internet and phone services—everyday expenses for many small businesses. Additional perks include free employee cards, purchase protection, extended warranties and business rental car coverage.
Ink Business Preferred
The Ink Business Preferred Credit Card carries a $95 annual fee and a generous sign-up bonus: 80,000 points after spending $5,000 in the first three months. When redeemed through Chase Ultimate Rewards, those points can be worth more than $1,000 in travel. The card earns 3x points on a broad set of business spending categories—business travel, shipping, social media advertising, and more—up to $150,000 per year. Other purchases earn 1x points. Additional benefits include no foreign transaction fees, travel protections, free employee cards and referral bonuses.
Ink Business Unlimited
The Ink Business Unlimited Credit Card offers a straightforward rewards structure with no annual fee and a $500 cash back sign-up bonus after spending $3,000 in the first three months. After that, it earns 1.5% cash back on all purchases with no caps. Other benefits include primary rental car coverage and complimentary employee cards. Like the other Chase business cards, points earned can be transferred for travel redemptions via the Chase ecosystem, and these business cards are not subject to Chase’s 5/24 personal-account restriction.
Blue Business Plus from American Express
The Blue Business Plus Credit Card from American Express is aimed at small business owners looking for simple, flexible rewards without an annual fee. It offers 2x Membership Rewards points on up to $50,000 in annual purchases, then 1x thereafter. There is no welcome offer, but the card treats a wide range of expenses—office supplies, gas, client entertainment and cell phone bills—as qualifying business purchases. Membership Rewards points can be transferred to various airline partners for travel redemptions.
American Express Business Platinum
The Business Platinum Card from American Express is a premium option for businesses with significant spending and travel needs. The $450 annual fee may seem steep for a new owner, but the card’s benefits are substantial for those who can use them. The current welcome offer is 75,000 Membership Rewards points after spending $20,000 in the first three months, a haul worth roughly $1,500 when used for travel.
Premium benefits include access to airport lounges, statement credits for airline fees, reimbursement for Global Entry or TSA PreCheck application fees, car rental elite status, complimentary in-flight or in-airport Wi-Fi credits where available, and access to coworking space benefits through select partners. For businesses that travel frequently, these perks can offset the annual fee and deliver significant value.
When starting your business, consider putting regular operating expenses—supplies, advertising, travel and client meals—on a business card that earns points or cash back. Match card choice to your primary spending categories and travel goals, and always pay balances in full to avoid interest charges that negate rewards value. With thoughtful use, a business credit card can accelerate your ability to earn miles and other travel benefits while keeping company finances organized.
Johnny Jet has traveled extensively since launching his newsletter in 1995 and shares expertise on maximizing credit card points, finding travel deals, and making the most of frequent-traveler benefits. He’s contributed to many publications and appears regularly on media programs to discuss travel and technology.