If you're a business traveler, it's important to have the right credit card. Not all cards are created equal, and some offer much better benefits than others. In this blog post, we will discuss the best credit cards for business travelers. We'll cover everything from rewards programs to travel insurance policies. So if you're looking for a new card, or just want to learn more about the options available to you, keep reading!
Best Credit Cards For Business Travelers in 2023 Table of Contents
What Are Credit Cards For Business Travelers?
Credit cards for business travelers are designed to help you save money on your travel expenses. There are many different types of credit cards for business travelers, but they all have one thing in common: they offer rewards or perks that can save you money on your travels.
The best credit cards for business travelers will offer rewards like cash back, points towards free travel, and even access to exclusive airport lounges. If you travel often for work, then a credit card for business travelers can help you save a lot of money on your travel expenses.
What Are The Different Types of Credit Cards For Business Travelers?
There are many different types of credit cards for business travelers, and it can be hard to know which one is the best for you. Here are some of the most popular types of cards:
These cards offer rewards points for every dollar you spend on travel expenses. Some cards also offer bonus points for spending in specific categories like restaurants or gas stations.
Cash Back Credit Cards
These cards give you a percentage of cash back on all of your purchases, including travel expenses. Some cards also offer higher percentages of cash back in specific categories.
Business Credit Cards
These cards are specifically designed for businesses, and often come with special perks like extended warranty protection and purchase protection.
Which type of card is the best for you will depend on your spending habits and how often you travel. If you are a frequent traveler, a travel rewards card might be the best option for you.
If you don't travel often but still want to earn rewards, a cash back card could be a good choice. And if you have a business, a business credit card could be the best option to help you manage expenses and take advantage of special perks.
No matter which type of credit card you choose, make sure to compare different cards before applying to find the one that offers the best benefits for your needs.
What Are The Benefits of Getting Credit Cards For Business Travelers?
There are plenty of benefits that come with getting credit cards for business travelers. For starters, these cards can help you save a lot of money on your travel expenses.
With the right card, you can get discounts on airfare, hotels, and even rental cars. In addition to saving money, these cards can also help you earn rewards points or cash back on your travels. This means that you can use your rewards to pay for future trips or to simply offset the cost of your current trip.
Finally, many of these cards offer valuable perks such as free checked bags or priority boarding. This can make a big difference when you're trying to catch a flight or get through airport security quickly.
What Are The Best Credit Cards For Business Travelers and Their Offers?
If you're a business traveler, then you know that having the right credit card can make a big difference in your ability to earn rewards and save money. But with so many different cards out there, it can be tough to know which one is right for you.
To help you make the best choice, we've put together a list of the best credit cards for business travelers. Whether you're looking for a card that offers great rewards or one that has low interest rates, we've got you covered.
So, without further ado, here are the best credit cards for business travelers:
Chase Sapphire Reserve Card
The Chase Sapphire Reserve Card is one of the best all-around credit cards for business travelers. It offers an impressive array of perks, including a $300 annual travel credit, priority boarding, and no foreign transaction fees. Plus, you'll earn triple points on travel and dining purchases.
American Express Platinum Card
If you're looking for a card with great rewards, the American Express Platinum Card is hard to beat. You'll earn five Membership Rewards points per dollar spent on airfare booked directly with airlines or through American Express Travel, as well as on eligible hotels booked through amextravel.com. Plus, you'll get access to a host of exclusive benefits, like airport lounge access and complimentary hotel room upgrades.
Citi Prestige Card
The Citi Prestige Card is another great option for business travelers who are looking for generous rewards and perks. You'll earn three ThankYou Points per dollar spent on air travel and hotels, as well as two points per dollar spent on dining and entertainment. Plus, you'll get a $250 annual air travel credit and access to over 700 airport lounges worldwide.
Barclaycard Arrival Plus World Elite Mastercard
Finally, the Barclaycard Arrival Plus World Elite Mastercard is a great choice for business travelers who want to earn rewards that can be redeemed for travel expenses. You'll earn two miles per dollar spent on all purchases, and you can redeem your miles for statement credits toward any travel purchase made within the past 120 days. Plus, you'll get a five percent mileage bonus when you redeem your miles for travel expenses.
No matter what your needs are, there's sure to be a credit card out there that's perfect for you.
How to Decide Which Type of Credit Cards For Business Travelers You Want?
The first step is to decide which type of business traveler you are. If you're a road warrior who spends most of your time on the road, then you'll want to choose a card that offers rewards like free hotel stays or airline miles. If you're more of a desk jockey who only travels occasionally, then you can probably get away with a more basic card that doesn't offer as many perks.
Once you've decided which type of business traveler you are, it's time to start looking at different credit cards and comparing their features. Some things you'll want to keep in mind include the annual fee, the interest rate, and the rewards program.
You'll also want to make sure that the card has no foreign transaction fees, since you'll probably be using it while traveling abroad.
Once you've found a few cards that meet your needs, it's time to start comparing them side by side. This is where things like interest rates and annual fees can really start to make a difference. You'll also want to look at the different rewards programs and see which one offers the best benefits for your travel habits.
Remember, there's no one perfect credit card for every business traveler. The key is to find the card that best meets your needs and offers the most value for your travel dollar.
How Many Credit Cards For Business Travelers Should Someone Have?
The best way to determine how many cards you need is to start by looking at your travel habits. How often do you fly? Where do you usually stay when you're on the road? Do you dine out often while traveling?
Once you've answered these questions, you'll have a better idea of which cards will offer the most value for your travel dollar.
Keep in mind that having too many credit cards can actually be detrimental to your financial health. If you find that you're constantly juggling multiple cards and trying to keep track of all the different rewards programs, then it might be time to scale back and focus on just a few cards.
After all, it's important to use credit responsibly, and that means not using more credit than you can handle.
If you're not sure how many credit cards are too many, a good rule of thumb is to carry no more than two or three cards at any given time. This will allow you to take advantage of the best rewards programs without putting your financial health at risk.
What Credit Limit Do Credit Cards For Business Travelers Have?
The average credit limit for business credit cards is $50,000. However, some issuers offer limits as high as $100,000. Credit limits will vary based on your creditworthiness and the type of card you apply for.
If you have excellent credit, you may be able to qualify for a higher limit. Business credit cards also tend to have higher credit limits than a personal credit card.
Do Credit Cards For Business Travelers Report to The Three Major Credit Bureaus?
Yes, credit cards for business travelers report to the three major credit bureaus: Experian, TransUnion, and Equifax. This means that if you're using a business credit card to build your credit, you'll want to make sure you're using it responsibly.
What is The Best Way to Use Credit Cards For Business Travelers?
There is no one-size-fits-all answer to this question, as the best way to use credit cards for business travelers will vary depending on your specific needs and spending habits. However, there are a few general tips that can help you make the most of your credit card usage while traveling for business:
- Use a rewards credit card: If you frequently travel for business, using a rewards credit card can help you earn points or miles that can be redeemed for free or discounted travel.
- Get a business credit card: Business credit cards often come with perks and benefits specifically tailored to business travelers, such as free checked bags and priority boarding.
- Monitor your account: Be sure to keep an eye on your credit card account balance and spending while you're traveling, as it's easy to let expenses get out of control when you're on the road.
By following these tips, you can make the most of your credit card usage while traveling for business and save money on your travel costs.
Do The Best Credit Cards For Business Travelers Have Any Annual Fees?
The best credit cards for business travelers do not have any annual fees. This is because the annual fee would offset the value of the points and miles earned on the card. The best business credit cards also offer perks such as travel insurance, free checked bags, and lounge access. These perks can save you hundreds of dollars each year.
Do The Best Credit Cards For Business Travelers Have Rewards Programs?
Yes, the best credit cards for business travelers usually have rewards programs. These programs can help you save money on your travel expenses, and they can also help you earn points or miles that you can use for future travel.
Be sure to compare different rewards programs before you choose a card, so that you can find one that best suits your needs.
Do The Best Credit Cards For Business Travelers Offer 0% APR?
The best credit cards for business travelers offer 0% APR on purchases and balance transfers for the first 15 months. After that, a variable APR applies, currently 14.49% - 24.49%. There's also no annual fee, so you can keep your travel expenses down.
Do The Best Credit Cards For Business Travelers Come With Sign-Up Bonuses?
The best credit cards for business travelers come with sign-up bonuses that can be used to cover the costs of travel. Many of these cards also offer rewards points that can be redeemed for free or reduced-price travel.
Best Credit Cards For Business Travelers With Bad Credit
If you have bad credit, you may think that getting a credit card is out of the question. However, there are several credit cards available for people with poor or no credit history. Here are some of the best options:
Capital One Secured Mastercard
This card requires a security deposit, but it has a fairly low APR and no annual fee.
Discover it Secured Card
This card also requires a security deposit, but it offers cash back rewards on your purchases.
Secured Visa from Capital One
This is another option that requires a security deposit, but it comes with many features including zero fraud liability and 24/seven customer service.
These are just a few of the best credit cards for business travelers with bad credit. If you have bad credit, don't despair--there are still plenty of options available to you. With a little research, you can find the perfect card for your needs.
Does Amex Have Credit Cards For Business Travelers?
Yes, American Express has a few different credit cards that are specifically designed for business travelers. The Amex Business Platinum Card is one of the best options, as it offers a ton of perks and benefits that can be very helpful when traveling for business.
Some of these perks include access to airport lounges, free checked bags, and even statement credits for eligible travel expenses. If you're a business traveler who is looking for a great credit card to help make your travels more enjoyable, then the Amex Business Platinum Card is definitely worth considering.
Another option from American Express is the Amex Business Gold Card. This card also comes with some great benefits and perks that can be very useful for business travelers. One of the most valuable perks is the ability to earn Membership Rewards points on all of your business travel expenses.
These points can be redeemed for things like free hotel stays, flights, and even statement credits. If you're a business traveler who wants to earn rewards on your business travel expenses, then the Amex Business Gold Card is definitely worth considering.
So if you're a business traveler who is looking for a great credit card to help make your travels more enjoyable, then American Express has some great options that you should consider. The Amex Business Platinum Card and the Amex Business Gold Card are both excellent choices that come with a variety of valuable perks and benefits.
Is It Easy to Qualify for Credit Cards For Business Travelers?
The short answer is no. There are a few reasons for this. First, most business credit cards require good to excellent credit scores for approval. Second, business credit cards often have higher annual fees than personal credit cards. And third, many business credit card issuers require applicants to have a minimum income or maximum debt-to-income ratio.
Still, it's not impossible to qualify for a business credit card. If you have a strong personal credit history and can show that your business is doing well, you may be able to get approved. And if you're not approved for a business credit card right away, there are other options available, such as secured business credit cards or business charge cards.