Best Credit Cards of 2021 for Cash Back and Travel

These are the Top Credit Cards that you can choose from!

 

Running a business requires you to manage your finances wisely. There are many startup entrepreneurs who fall into the trap of not being able to separate business and personal spending. Hence, they unconsciously make matters worse in managing their finances.

One way to deal with this is by getting a business credit card – this is applicable whether for both small and big businesses, so there’s no need to worry if you’ll be granted one. In fact, there are several credit cards designed for small businesses with limited to no employee.

The perfect thing about getting a business credit card is that you get the most out of your business spending since you earn points and in some cases, you even get to enjoy cash backs for every business expenditure that you have. The result - you get the best value for your money.

In this blog, I’ll be giving you a list of the best credit cards for small businesses so you can be guided in choosing the right credit card for your business that will offer you the best perks for your lifestyle and preferences. If you’re also looking for the best credit cards for personal use, I’ll be giving you a list of the best personal credit cards that you can use that will fit the lifestyle of a digital nomad.

BUSINESS CREDIT CARDS

AMERICAN EXPRESS (AMEX)

The Business Platinum Card®

If you’re a frequent traveler, you’d love the Amex Business Platinum Card. This credit card comes with a lot of travel benefits, like travel insurance, hotel discounts, and access to a variety of international airport lounges.

Annual Fee: $595 annual fee

Foreign Transaction Fee: No

Signup Bonus

Get an instant 85,000 Membership Rewards points upon spending $15,000 on selected purchases within the first three months.

Rewards

  •   Enjoy 5x points on selected flights and hotels on amextravel.com
  •   Enjoy 1.5x points on each eligible purchase of $5,000 or more
  •   Enjoy up to 1 million extra points for each calendar year
  •   Enjoy 1x point for every dollar that you spend on selected purchases

Additional Benefits

  •   Exclusive discounts with an average total value of $550 with Fine Hotels + Resorts
  •   35% Airline Bonus
  •   Access to American Express Global Lounge Collection
  •   Lavish on Marriott Bonvoy Gold Elite Status
  •   Hilton Honors Gold Status
  •   Business Platinum Travel Service
  •   Trip Delay Insurance
  •   Trip Cancellation and Interruption Insurance
  •   Get up to $200 Annual Dell Technologies Statement Credit

 

Amex Business Plum Card

The Amex Plum card is the perfect choice for business expenditures that offers flexible payment dates so you can efficiently plan your financial calendar.

Annual Fee: $0 introductory fee, then $250 Annual Fee

Rewards

  • Get a 1.5% Early Pay Discount in the form of a statement credit on the amount paid within 10 days of your statement closing date
  • Anything not paid by the due date will be carried forward to the next statement without interest.
  • Take up to 60 days with no interest when you pay the Minimum Due by the Payment Due date.

Signup Bonus

Earn a $200 statement credit after each $10,000 you spend in purchases on the Card, up to $30,000, within the first 3 months of Card Membership.

Additional Benefits

  • Flexible Payment Terms
  • No preset spending limit
  • Car Rental Loss and Damage Insurance 
  • Globe Assist Hotline

Foreign Transaction Fee: No

 

Amex Business Gold

The Amex Business Gold card is a good choice for businesses looking for a credit card with generous perks for travel and more.  

Annual Fee: $295 Annual Fee

Foreign Transaction Fee: No

Signup Bonus

Enjoy 35,000 Membership Rewards points upon spending $5,000 and get an extra 25,000 points after spending an additional $2,500 in selected purchases within your first three months.

Rewards

  •   Earn 4x Membership Rewards points on select purchases, including the ff:

o   Airfare purchased directly from airlines

o   U.S. purchases for advertising in select media (online, T.V., radio)

o   U.S. purchases made directly from select technology providers of computer hardware, software, and cloud solutions

o   U.S. purchases at gas stations

o   U.S. purchases at restaurants

o   U.S. purchases for shipping

  •   Earn 1x on other purchases

Additional Benefits

  •   Get up to 25% Airline Bonus
  •   No Preset Spending Limit
  •   Gain access to travel discounts and amenities when you enroll in The Travel Collection by Travel Leaders Group
  •   Pay Over Time Option
  •   Get exclusive deals when you book The Hotel Collection properties
  •   Free Baggage Insurance Plan
  •   Free Car Rental Loss and Damage Insurance

Amex Blue Business Cash

Another Amex card that offers generous perks and cashback rewards is the Amex Blue Business Cash. If you you’re looking for a credit card with great cashback rewards, then the Amex Blue Business Cash Card should be your top choice.

Annual Fee: No Annual Fee

Foreign Transaction Fee: Yes - 2.7% of each transaction after conversion to U.S. dollars.

Signup Bonus

  •   Earn a $250 Statement Credit after you spend $5,000 in qualifying purchases on your card within the first six months of Card Membership.
  •   Earn an additional $250 statement credit after you spend an additional $10,000 or more in qualifying purchases on your card within the first year of Card Membership.

Rewards

Earn 2% cashback on all eligible purchases up to $50,000 per calendar year

Additional Benefits

  •   No Over-Limit Fees
  •   Free Car Rental Loss and Damage Insurance

Amex Amazon Business Prime

The Amex Amazon Business Prime Card is perfect the members of Amazon Prime looking to get the most out of their subscription. If you are a big spender on Amazon brands, this is a must-have since you’ll get exclusive perks from your purchases with Amazon brands.

Annual Fee: No Annual Fee

Foreign Transaction Fee: No

Signup Bonus

  •   Get up to 5% back on the first $120,000 in purchases each year and 1% thereafter
  •   Receive a $125 Amazon.com Gift Card with an eligible Prime membership

Rewards

  •   Enjoy cashback of up to 5% on Amazon purchases – includes Whole Foods Market; Amazon Web Services, and Amazon Business
  •   Enjoy cashback of up to 2% on purchases at U.S. restaurants, U.S. gas stations, and those made on wireless telephone services purchased directly from U.S. service providers.
  •   Enjoy cashback of up to 1% on all other purchases

Additional Benefits

  •   Option for 90-day 0% APR financing
  •   Get purchase protection of up to $300 for every item and $1,000 for every account

Amex Marriott Bonvoy Business Credit Card

For Marriott loyalists, this is probably the best credit card that you’ll ever have. This business credit card gives you extensive rewards and points for every purchase that you make with your card. My recommendation is, if you’re engaged in any business that typically involves domestic and foreign travels wherein you regularly stay in Marriott hotels, then this credit card is certainly a must-have!

Annual Fee: $125

Foreign Transaction Fee: No

Signup Bonus

  • Earn 75,000 Marriott Bonvoy Bonus Points after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Earn up to $150 back in statement credits on eligible purchases made on your new Card within the first 3 months.

Rewards

  • Earn 6x points per dollar on eligible purchases at participating Marriott Bonvoy hotels.
  • Earn 4x points per dollar on eligible purchases at selected U.S restaurants, gas stations, shipping providers, and wireless phone services purchased directly from service providers.
  • Earn 2x points on all other eligible purchases

Additional Benefits

  • Enjoy one Free Night Award every year, after your Card account anniversary.
  • Earn another Free Night Award after you spend $60,000 in purchases on your Card in a calendar year. 
  • For each calendar year, you get up to 15 Elite Night Credits towards the next level of Marriott Bonvoy Elite status.
  • Redeem Marriott Bonvoy points for flights and car rentals across hundreds of travel partners around the world.
  • Receive complimentary Marriott Bonvoy Silver Elite status with your Card.

BANK OF AMERICA

Business Advantage Travel Rewards Credit Card

The Business Advantage Travel Rewards Card is one of the most popular choices for travel cards, perfect for digital nomads and frequent business travelers.

Annual Fee: No Annual Fee

Foreign Transaction Fee: No

Signup Bonus

Receive 30,000 bonus points when you make at least $3,000 in net purchases within 90 days of your account opening, redeemable of worth $300 statement credit towards travel purchases.

Rewards

  •   Earn 1.5x points for every dollar that you spend on any purchase
  •   Earn 3x points per every dollar spent when you book your car, hotel, airline through the Bank of America Travel Center.

Additional Benefits

Enjoy up to 75% more points on every purchase, if you have a business checking account with Bank of America and qualify for Preferred Rewards for Business

Business Advantage Cash Rewards Credit Card

If your business is not a frequent or big spender, the Business Advantage Cash Rewards Card should be a decent choice with its great cashback reward system.

Annual Fee: No Annual Fee

Foreign Transaction Fee: Yes – 3%

Signup Bonus

Receive a $300 statement credit upon spending at least $3,000 in net purchases within 90 days of your account opening

Rewards

  •   Enjoy 3% cashback on your choice of one of the following six categories: gas stations, office supply stores, travel, T.V., telecom & wireless, computer services, or business consulting services.
  •   Enjoy 2% cashback on dining.
  •   Enjoy unlimited 1% cashback on all other purchases.
  •   Enjoy 3% and 2% cashback on the first $50,000 in combined choice category/dining purchases each year, 1% thereafter.

Additional Benefits

Enjoy 75% more cash back on every purchase when you’re a Preferred Rewards for Business Platinum Honors tier member.

Alaska Airlines Business Credit Card

If you’re a frequent flyer on Alaska Airlines, having an Alaska Airline Business Credit Card will undoubtedly give you the best value for your money.

Annual Fee: $50 Annual Fee per company, $25 per card

Foreign Transaction Fee: No

Signup Bonus

$200 Statement Credit and 40,000 Bonus Miles Offer

Rewards

  •   Earn 3 miles for every dollar spent on Alaska Airlines purchases
  •   Earn 1 mile for every dollar spent on all other purchases

Additional Benefits

  •   Enjoy unlimited miles and travel with no blackout dates and no international transaction fees
  •   Get 50% off day passes at the Alaska Lounge and 20% back on all Alaska Airlines inflight purchases
  •   Get another Alaska’s Famous Companion Fare every year
  •   Free checked bag on Alaska flights for you and up to six other guests

BREX

Brex Cash Management Card

For business owners who have a minimum of $100,000 in the business’ bank account, then you can avail of the Brex Cash Card. Take note however that they only focus on the life science industry, including tech, eCommerce.

Annual Fee: None; $0 Minimum Balance Requirement

Foreign Transaction Fee: No

Signup Bonus

Get a $250 Amazon gift card after you spend $1,000 on your monthly card.

Rewards

Enjoy multipliers of up to 7x points for every dollar spent.

Additional Benefits

  •   Enjoy unlimited points
  •   Get exclusive discounts valued at over $50,000 - redeemable anytime
  •   Enjoy 24/7 access to experienced business travel agents with Brex exclusive

CAPITAL ONE

Spark Cash from Capital One

For those who prefer a card with good security, Spark Cash Card should be a good choice. This card comes with security, fraud protection, and customer support that you need to make your business spending seamless and secure.

Annual Fee: $0 intro for the first year, $95 after that

Foreign Transaction Fee: No

Signup Bonus

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

Rewards

  •   Unlimited 2% cashback on every purchase, every day
  •   Earn 5X miles on hotel and rental car bookings through Capital One Travel

Additional Benefits

  •   No over-limit fees
  •   $0 Fraud Liability
  •   Automatic Payments
  •   Free employee cards with spending limits
  •   Receive up to $100 credit for Global Entry or TSA Pre✓
  •   Travel Assistance Perks

Spark 2x Miles from Capital One

If you’re keen on ramping up your mileage, then getting the Spark 2x Miles Card should be your top choice. This card enables you to earn two miles per dollar that you spend, making it the practical choice for frequent travelers and digital nomads.

Annual Fee: $0 intro for the first year, $95 after that

Foreign Transaction Fee: No

Signup Bonus

  •   Enjoy a bonus of 50,000 miles once you spend $4,500 in the first three months.
  •   Transfer miles to 10+ airlines and get up to $100 credit for Global Entry or TSA Pre✓

Rewards

  •   Enjoy 2x miles for every purchase, with no minimums or expiration date
  •   Enjoy 5x miles from hotel and rental car bookings through Capital One Travel

Additional Benefits

  •   $0 Fraud Liability
  •   Automatic Payments
  •   Free employee cards with spending limits
  •   Excusive Travel Assistance Perks

CHASE

Ink Business Preferred® Credit Card

The Chase Ink Business Preferred Credit Card offers a massive signup bonus, high rewards, and an array of perks, making this card worthy of the annual Fee.

Annual Fee: $95 Annual Fee

Foreign Transaction Fee: No

Rewards

  •   Earn 3x points per $1 on the first $150,000 spent in select purchases
  •   Earn 1 point per $1 spent on all other purchases

Additional Benefits

  •   Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  •   Fraud Protection and Purchase Protection
  •   Free Employee cards
  •   Trip Cancellation/Trip Interruption Insurance

Ink Business Unlimited® Credit Card

The Chase Ink Business Unlimited Credit Card comes in as one of the best business credit cards with its zero annual Fee and generous earnings for each purchase. Perfect for domestic use if your business is based in the U.S.

Annual Fee: No Annual Fee

Rewards

  •   Earn unlimited 1.5% Cash Back rewards on every purchase
  •   Redeem your rewards for cash back, gift cards, travel, and more

Signup Bonus

$750 bonus cash back after you spend $7,500 on purchases in the first three months

Additional Benefits

  •   Free Employee cards
  •   Auto Rental Collision Damage Waiver
  •   Travel and Emergency Assistance Services
  •   Purchase Protection

Foreign Transaction Fee: Yes - 3% of the amount of each transaction in U.S. dollars

Ink Business Cash® Credit Card

The Chase Ink Business Cash Credit Card is one of the best credit cards for small-business owners who are heavy spenders and are looking for a credit card with no annual fee. Plus, you also get to enjoy a generous signup bonus.

Annual Fee: No Annual Fee

Foreign Transaction Fee: Yes - 3% of the amount of each transaction in U.S. dollars

Signup Bonus

$750 bonus cash back after you spend $7,500 on purchases in the first three months

Rewards

  •   Enjoy 5% cashback on the first $25,000 spent in select business-related purchases for office supply, internet, cable, and phone services.
  •   Enjoy 2% cashback on the first $25,000 spent in select purchases at gas stations and restaurants.
  •   Enjoy 1% cashback on all other purchases.

Additional Benefits

  •   Free Employee cards
  •   Auto Rental Collision Damage Waiver
  •   Travel and Emergency Assistance Services
  •   Purchase Protection

United Club Business Card

For fans of United Airlines, this card is a must-have. The United Club Business Credit Card comes with a massive signup bonus and travel perks – perfect for small business owners who frequently travel.

Annual Fee: $450 Annual Fee

Foreign Transaction Fee: No

Signup Bonus

50,000 miles when you spend $3,000 in the first three months

Rewards

  •   Earn 1.5 miles per $1 spent on every purchase.
  •   Earn even more on United purchases — get an additional 0.5 mile for a total of 2 miles per $1 spent.

Additional Benefits

  •   25% back on United inflight purchases
  •   Complimentary upgrades on award tickets for Premier members
  •   Earn and use MileagePlus miles on United and any of the other member airlines in the Star Alliance network
  •   Access to all United Club locations and participating Star Alliance™ affiliated lounges
  •   Free first and second checked bags — a savings of up to $320 per round trip
  •   Access to Hertz Gold Plus Rewards® President’s Circle

CITI

CitiBusiness / AAdvantage Platinum Select / World Elite Mastercard

CitiBusiness/AAdvantage is one of the best credit cards for frequent travelers. This card allows you to enjoy double AAdvantage airline miles bonus on select purchases. Plus, you also benefit from its zero foreign transaction fee.

Annual Fee: $99 (Fee waived for the first 12 months)

Foreign Transaction Fee: No

Signup Bonus

Get 65,000 American Airlines AAdvantage bonus miles after spending $4,000 in purchases within the first four months

Rewards

  •   Receive 2 AAdvantage miles for every $1 spent on eligible American Airlines purchases
  •   Receive 2 AAdvantage miles for every $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants, and at gas stations
  •   Receive 1 AAdvantage mile for every $1 spent on other purchases

Additional Benefits

American Airlines Flight Perks:

  •   First checked bag free
  •   25% savings on American Airlines inflight Wi-Fi
  •   Preferred boarding
  •   Earn an American Airlines Companion Certificate

DISCOVER

Discover It Business Credit Card

For international spenders who are looking for a card with no foreign transaction fees and great perks, the Discover It should be one of your top considerations. With this card, expect that all of your business purchases will be rewarded generously – perfect for businesses that are big spenders.

Annual Fee: No Annual Fee

Foreign Transaction Fee: No

Signup Bonus

Earn cash back on every purchase with every card – plus an unlimited Cashback Match your first year

Rewards

Earn unlimited, automatic 1.5% cashback on every dollar spent on all purchases

Additional Benefits

  •   Get up to 50 free employee cards
  •   Discover is accepted by 99% of the places across the country that take credit cards
  •   No Minimum Purchase Requirements
  •   Apply your rewards as cash and towards purchases at Amazon.com

US BANK

U.S. Bank Business Leverage Visa Signature Card

If you want to control how your staff use their business credit cards, then the U.S. Bank Business Leverage Credit Card is for you. With its from lucrative rewards and security, you can be sure that you’re managing your business spending efficiently.

Annual Fee: No Annual Fee for the first year, then $95 thereafter.

Foreign Transaction Fee: No

Signup Bonus

Get $750 cash back when you spend $7,500 in eligible purchases on the account owner’s card within the first four months.

Rewards

  •   Enjoy 2% cashback in the top two categories where you spend the most each month automatically
  •   Enjoy 1% cash back per dollar spent on all other eligible purchases

Additional Benefits

  •   Get full control on your employee cards with its customizable spending rules
  •   Top two bonus categories adjust each month automatically based on your spending
  •   No caps or limits on the total cash back your business can earn

U.S. Bank Business Cash Rewards World Elite™ Mastercard®

For competitive cashback rewards, consider the 3% cashback offered by U.S. Bank Business Cash Rewards World Elite Mastercard. This card offers lucrative cashback benefits, the only downside is - it charges a certain amount for foreign transactions.

Annual Fee: No Annual Fee

Foreign Transaction Fee: Yes – 2% - 3% depending on the currency

Signup Bonus

Receive $500 cashback when you spend at least $3,000 in the first 90 days of opening your account.

Rewards

  •   Enjoy 3% cashback on gas station, office supply store, and cell phone/service provider purchases.
  •   Enjoy 1% cashback on all other purchases.

Additional Benefits

  •   Get 25% of your prior year’s cash rewards, up to $250, on the anniversary of opening your account.
  •   No limits on the total rewards you can earn, and your rewards never expire
  •   Introductory 0% purchase rate for 12 months

WELLS FARGO

Wells Fargo Business Platinum Credit Card

The Wells Fargo Business Platinum Credit Card is perfect for businesses that are heavy-spenders and has an annual revenue of at least $2 million. This card gives you the flexibility to manage how you want to get your rewards - either through cash back or reward points. Moreover, it provides you with great security to avoid unauthorized transactions, making it a perfect choice for businesses.

Annual Fee: No Annual Fee

Foreign Transaction Fee: No

Signup Bonus

Get a one-time $300 cashback bonus or 30,000 bonus points when you select a Business Card Rewards Program and spend $3,000 in the first three months

Rewards

  •   Get 1 point on every $1 spent
  •   Earn 1,000 bonus points when your business spends $1,000 or more in any monthly billing period
  •   Enjoy 1.5% cash back for every $1 spent

Additional Benefits

  •   Get up to 99 employee cards with no additional fee
  •   Receive your cash back automatically
  •   Get a 10% points credit every time you redeem online (10% of redemption value)
  •   Earn bonus points or discounts from Earn More Mall retailers
  •   Full reimbursement for unauthorized purchases or ATM transactions

Wells Fargo Business Elite Signature Card

For businesses with at least a million in annual sales, then the Wells Fargo Business Elite Signature Card should be the right choice. This card offers you the best combination of cashback and point rewards to get the most out of your business expenditures.

Annual Fee: $0 first year, and then $125

Foreign Transaction Fee: No

Signup Bonus

Earn a one-time $500 cashback bonus or 50,000 bonus points when you spend $15,000 in the first three months.

Rewards

  •   Earn 1.5% cash back on every $1 spent
  •   Receive 5,000 bonus points when your company spend reaches $10,000 in any monthly billing period

Additional Benefits

  •   Redeem points for gift cards, merchandise, airline tickets, and more
  •   Travel Incidental Fee Reimbursement for up to $100
  •   Free employee cards of up to 200
  •   Get a 10% points credit every time you redeem online (10% of redemption value)
  •   Earn bonus points or discounts from Earn More Mall retailers
  •   Full reimbursement for unauthorized purchases or ATM transactions

PERSONAL CREDIT CARDS

AMERICAN EXPRESS (AMEX)

Hilton Honors Aspire Card

For those who frequent the Hilton hotels, this should be your top choice. Hilton Honors American Express Aspire Card, is perfect for frequent travelers who prefer to stay at Hilton hotels. This card comes with tons of perks that will surely give you great value for money – plus, it may not be as expensive as you think.

Annual Fee: $450 Annual Fee

Foreign Transaction Fee: No

Signup Bonus

Earn 150,000 Hilton Honors Bonus Points after using your new card to make $4,000 in purchases within the first three months.

Rewards

  •   Enjoy 14x Points on Hilton Purchases
  •   Enjoy 7x Points on Select Travel
  •   Enjoy 7x Points on Dining
  •   Enjoy 3x Points on Other Purchases

Additional Benefits

  •   Enjoy complimentary Hilton Honors Diamond status
  •   Enjoy one weekend night reward with your new Hilton Honors American Express Aspire Card and every year after renewal
  •   $250 Hilton Resort Statement Credit
  •   $250 AIRLINE FEE CREDIT
  •   $100 Hilton On-Property Credit
  •   Access to over 1,200 airport lounges around the world
  •   Free Car Rental Loss and Damage Insurance
  •   Free Baggage Insurance Plan

      American Express Platinum Card® for Schwab

      For Schwab Account owners, signing up for Schwab’s American Express Platinum Card is a good option. This card offers comes with generous perks and benefits perfect for frequent travelers and digital nomads who are seeking to get the best value for their bookings and flights.

      Annual Fee: $550 Annual Fee

      Foreign Transaction Fee: No

      Signup Bonus

      Earn 60,000 Membership Rewards® points after spending $5,000 in purchases on your American Express Platinum Card® for Schwab in your first three months.

      Rewards

      •   Earn one Membership Rewards point for every eligible dollar you spend.
      •   Earn Membership Rewards points that you can turn into deposits to your eligible Schwab account.

      Additional Benefits

      •   Receive $15 in Uber Cash for U.S. rides each month plus a bonus of $20 in December
      •   5x Membership Rewards points on flights booked directly with airlines or with American Express Travel via amextravel.com
      •   5x Membership Rewards points on eligible hotels booked on amextravel.com
      •   Access to over 1,300 airport lounges across the globe

       

      APPLY NOW to Get Your AMEX Schwab Card

       

      American Express® Gold Card

      If you’re looking for a card that offers a lucrative reward points, then this Amex Gold Card is a great choice. This card comes with massive reward points for your favorite local shops – perfect for everyday use. 

      Annual Fee: $250 Annual Fee

      Foreign Transaction Fee: No

      Signup Bonus

      Receive 35,000 Membership Rewards® Points after spending $4,000 on purchases on your new card in your first three months.

      Rewards

      •   Enjoy 4x Points at U.S. Supermarkets
      •   Enjoy 4x Points on Restaurants
      •   Enjoy 1x Points on Other Eligible Purchases
      •   Enjoy 3x Points on Flights booked directly with airlines or on amextravel.com

      Additional Benefits

      •   Receive a $120 Dining Credit
      •   Get a $100 hotel credit when you book a stay of at least two consecutive nights with American Express Travel at over 600 properties
      •   Free Baggage Insurance Plan
      •   Free Car Rental Loss and Damage Insurance

        APPLY NOW to Get Your Gold AMEX Card

         

        American Express® Green Card

        Enjoy shopping with this Amex Green Card while getting the most rebates. This credit card is perfect if you’re an avid shopper of Home & Furniture, Bed Bath & Beyond, CB2, Crate and Barrel, Crate and Kids, The Home Depot, Lowe's, Terrain, and The Container Store. Plus, enjoy full flexibility on how you want to pay your credit. 

        Annual Fee: $150 Annual Fee

        Foreign Transaction Fee: No

        Signup Bonus

        Enjoy 50,000 Membership Rewards Points after spending $2,000 on purchases on your new Card in your first 6 months of Card Membership. Aside from that, earn up to $200 Back in Statement Credits on eligible purchases at selected stores within your first 3 months of Card Membership.

        Rewards

        • Earn up to 3x points at Restaurants including takeout or delivery.
        • Earn up to 3x points on Transit including trains, buses, ferries, subway, and more.
        • Earn up to 3x points on Travel including airfare, hotels, cruises, tours, car rentals, and more.

        Additional Benefits

        • $100 Credit to Help You Breeze Through Security
        • $100 Credit for Lounge Access
        • Trip Delay Insurance
        • Car Rental Loss And Damage Insurance
        • Baggage Insurance Plan

         

        APPLY NOW to Get Your Green AMEX Card

         

        BANK OF AMERICA

        Bank of America Cash Rewards Visa Signature

        For those who are heavy spenders for a specific category, the having the Bank of America Cash Rewards Visa Signature Card is a good choice. This card provides you with a 3% cashback within your top purchase category – making it a practical choice for anyone.

        Annual Fee: No Annual Fee

        Foreign Transaction Fee: Yes - 3% of the U.S. dollar amount of each transaction

        Signup Bonus

        Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days

        Rewards

        •   Earn 3% cashback in the category of your choice
        •   Earn 2% cashback at grocery stores and wholesale clubs
        •   Earn 1% cashback on all other purchases

        Additional Benefits

        Preferred Rewards members earn 25%-75% more cash back on every purchase

        CAPITAL ONE

        Venture Rewards from Capital One

        Another option for frequent travelers looking to earn mileage easily is the Venture Rewards Card. This card allows you to earn 2 miles for each dollar you spend on every purchase – and this is on top of a very generous signup bonus, perfect for every traveler.

        Annual Fee: $95 Annual Fee

        Foreign Transaction Fee: No

        Signup Bonus

        Earn 60,000 bonus miles once you spend $3,000 on purchases within the first three months

        Rewards

        Earn unlimited 2x miles per dollar on every purchase, every day

        Additional Benefits

        •   Free Travel Accident Insurance
        •   Use your Venture miles on flights, hotels, and more
        •   Get up to $100 credit on Global Entry or TSA Pre✓
        •   Pay for Amazon.com purchases using your Capital One rewards

        Quicksilver from Capital One

        For those looking for an everyday credit card, this Quicksilver Credit Card proves to be a decent choice. With its 1.5% cash back and massive sign up bonus, you can be certain to get the best value for your purchases.  

        Annual Fee: No Annual Fee

        Foreign Transaction Fee: No

        Signup Bonus

        Enjoy a one-time $150 cash bonus once you spend $500 on purchases within three months

        Rewards

        Earn unlimited 1.5% cashback on every purchase, every day.

        Additional Benefits

        •   Exclusive access to premium experiences, including VIP tickets, five-star meals, and more
        •   Pay for Amazon.com purchases using your rewards
        •   Free Travel Accident Insurance

        CHASE

        Amazon Prime Rewards Visa Signature Card

        For Amazon shoppers, the Amazon Prime Rewards Visa Card is a must-have. This card comes with massive perks and exclusive deals across Amazon brands. Moreover, it offers a great level of protection for your travels, which you can enjoy without paying annual and foreign transaction fees.

        Annual Fee: No Annual Fee

        Foreign Transaction Fee: No

        Signup Bonus

        Get a $70 Amazon Gift Card instantly upon approval

        Rewards

        •   Enjoy 5% cashback rewards at Amazon and Whole Foods Market
        •   Enjoy 2% cashback rewards at restaurants, gas stations, and drugstores
        •   Enjoy 1% cashback rewards on all other purchases

        Additional Benefits

        •   Enjoy up to 20% back on rotating Amazon categories and products
        •   Free Travel and Emergency Assistance
        •   Free Travel Accident Insurance
        •   Lost Luggage Reimbursement
        •   Purchase Protection

        IHG® Rewards Club Traveler Credit Card

         

        For business travelers who frequent the Holiday Inn, InterContinental, and other IHG properties, then the IHG Rewards Club Traveler Credit Card should be your top choice with all the perks that come with it.

        Annual Fee: No Annual Fee

        Foreign Transaction Fee: No

        Signup Bonus

        Earn up to 100,000-points after you spend $2,000 on purchases within the first three months

        Rewards

        •   Earn up to 15x total points at IHG Hotels and Resorts worldwide when you combine your IHG card benefits with existing IHG Rewards Club member benefits
        •   Earn 5x points at IHG Hotels and Resorts with the IHG Traveler Rewards Club Credit Card
        •   Earn up to 10x points from IHG for being an IHG member
        •   Earn 2x points on purchases at gas stations, grocery stores, and restaurants
        •   Earn 1 point per $1 spent on all other purchases

        Additional Benefits

        •   Get a free Reward Night when you redeem points for any stay of 4 or more nights
        •   Save at Least 20% on Points Purchases

         

        APPLY NOW to Get Your IHG® Rewards Club Traveler Credit Card

         

        Chase Freedom Unlimited® Credit Card

        The Chase Freedom Unlimited Credit Card is one of the best credit cards that you can get that comes with the most generous terms and benefits, including a $200 signup bonus and massive rewards. Perfect for everyday use.

        Annual Fee: No Annual Fee

        Foreign Transaction Fee: Yes - 3% of the amount of each transaction in U.S. dollars.

        Signup Bonus

        Get a $200 bonus after spending $500 on purchases in the first three months

        Rewards

        •   Enjoy 5% cashback on travel purchased through Chase Ultimate Rewards.
        •   Enjoy 3% cashback on dining at restaurants, including takeout and eligible delivery services.
        •   Enjoy 3% cashback on drugstore purchases.
        •   Enjoy 1.5% cashback on all other purchases.

        Additional Benefits

        •   5% total Cash Back on qualifying Lyft rides
        •   Complimentary 3 months of DashPass / 50% Discounted DashPass from DoorDash for 9 months
        •   Zero Liability

        Chase Freedom Flex

        The Chase Freedom Flex offers generous cashback rewards for your everyday spending. Enjoy cashbacks of up to 5% when you get this card.  

        Annual Fee: No Annual Fee

        Foreign Transaction Fee: Yes - 3% of the amount of each transaction in U.S. dollars.

        Signup Bonus

        Earn a $200 bonus after you spend $500 on purchases in the first three months.

        Rewards

        •   Enjoy 5% cashback on up to $1,500 on combined purchases in bonus categories each quarter you activate.
        •   Enjoy 5% cashback on travel purchased through Chase Ultimate Rewards.
        •   Enjoy 3% cashback on dining at restaurants, including takeout and eligible delivery services.
        •   Enjoy 3% cashback on drugstore purchases.
        •   Earn 1% on all other purchases.

        Additional Benefits

        •   Zero Liability Protection
        •   Free Travel and Emergency Assistance Services
        •   Cell Phone Protection
        •   24/7 Fraud Monitoring

        World of Hyatt Credit Card

        For frequent Hyatt hotel guests, this credit card will give you the best value for your money. While it comes with an annual fee, its free overnight stay each year, paired with generous rewards will make it worth the annual fee.

        Annual Fee: $95 Annual Fee

        Foreign Transaction Fee: No

        Signup Bonus

        •   Earn 30,000 Bonus Points after you spend $3,000 on purchases within the first three months.
        •   Earn up to 30,000 more Bonus Points by earning 2 Bonus Points total per $1 spent on purchases that earn 1 Bonus Point, up to $15,000 spent in the first six months.

        Rewards

        •   Earn 9 points total per $1 spent for Hyatt stays and experiences, including restaurants and spas
        •   Earn 2 Bonus Points per $1 spent for getting around with local transit and commuting
        •   Earn 2 Bonus Points per $1 spent for dining out at restaurants, cafes, and coffee shops
        •   Earn 2 Bonus Points per $1 spent for taking off with flights purchased directly from the airline
        •   Earn 2 Bonus Points per $1 spent for staying healthy with fitness club and gym memberships
        •   Earn 1 Bonus Point per $1 spent for wherever life takes you

        Additional Benefits

        •   Earn an extra free night at any Category 1-4 Hyatt hotel or resort if you spend $15,000 in a calendar year.
        •   10% Bonus Points when choosing to earn points on eligible spend at Hyatt.
        •   Five qualifying night credits toward your next tier status every year.
        •   Two additional qualifying night credits toward your next tier status every time you spend $5,000 on your card.

        CITI

        CitiBusiness/AAdvantage Platinum Select World Elite Mastercard

        For frequent flyers of American Airlines, the Citi / AAdvantage Platinum Select World Elite Mastercard is proves to be a practical choice with its lucrative mileage rewards. While it has a minimal annual fee, the perks that you will be getting will certainly make every dollar worthy.

        Annual Fee: $99 Annual Fee (Fee waived for the first 12 months)

        Foreign Transaction Fee: No

        Signup Bonus

        Get 50,000 American Airlines AAdvantage® bonus miles earned after spending $2,500 in purchases within the first three months

        Rewards

        •   Enjoy 2 AAdvantage miles for every dollar spent on eligible American Airlines purchases.
        •   Earn 2 AAdvantage miles for every dollar spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants, and gas stations.
        •   Earn 1 AAdvantage mile for every dollar spent on other purchases.

        Additional Benefits

        •   $125 American Airlines Flight Discount
        •   First checked bag free on domestic itineraries
        •   25% savings on inflight food and beverage purchases on American Airlines flights

        DISCOVER

        Discover It® Cash Back Credit Card

        Discover It Cash Back Credit card offers a whopping 5% cashback rewards paired with no annual and foreign transaction fees, making it a great choice for people looking for an everyday credit card.

        Annual Fee: No Annual Fee

        Foreign Transaction Fee: No

        Signup Bonus

        Cashback will be matched by the end of your first card anniversary

        Rewards

        •   Enroll every quarter to earn 5% cash back on up to $1,500 in purchases in various categories throughout the year
        •   1% back on all other purchases

        Additional Benefits

        •   Free FICO credit score
        •   High Customer Satisfaction Rate
        •   Redeem as gift cards, donations, credit to your account, direct deposit into any account, payment at select retailers

         

        APPLY NOW to Get Your Discover It® Cash Back Credit Card

          WELLS FARGO

          Wells Fargo Propel American Express® Card

          If you’re looking for a card that’s strikingly lucrative in terms of its perks and benefits, then this Wells Fargo Propel American Express Card should come in first. While it came last on this list, this card comes in strong with its attractive perks and rewards, making it challenging to find an alternative.

          Annual Fee: No Annual Fee

          Foreign Transaction Fee: No

          Signup Bonus

          Receive 20,000 bonus points when you spend $1,000 in purchases in the first three months.

          Rewards

          •   Earn 3x points on eating out and ordering in; gas stations, rideshares, and transit; flights, hotels, homestays, and car rentals.
          •   Earn 1x points on other purchases.

          Additional Benefits

          •   Zero Liability
          •   Cell phone protection
          •   Lost luggage reimbursement
          •   Free Car rental loss and damage insurance
          •   Free Roadside assistance
          •   24/7 travel and emergency assistance, and emergency cash advances

          Key Takeaway

          Finding the perfect credit card that will suit your business and personal needs can be overwhelming with all the choices available. However, I hope that this blog somewhat helped you shortlist the top ones that are suitable for you. With this top selection of business credit cards, I hope that I was able to make your life easier in finding the right one for your needs. Just keep in mind that in choosing the right credit card, you need to make sure that you’ll get the best rewards and value for money!

           

          Do You Need a Specific Credit Card for Travel?

          The answer is simple - Yes. Having a credit card for your travel purchases can give you better deals and discounts for your flights and accommodation. Of course, this is not to mention the points and mileage rewards that you’ll be earning from all your travel purchases. That is the main benefit of getting a credit card that’s designed for travel purchases - as opposed to your everyday credit card, which won’t be giving you the same mileage perks. 

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