In the competitive world of corporate travel, every dollar matters. Business flights are often unavoidable, yet they carry substantial expenses that can erode profit margins.

But what if you could unlock a hidden strategy that fundamentally changes how much your business spends on travel? This could be the solution to transform your corporate travel budget from a source of stress into a competitive advantage.

I'll break down a simple trick that can save your company on flights. I'll also outline things to keep in mind before using this approach, and when it doesn't benefit your business.

Here's how to earn the 35% airline points rebate

The answer lies in your wallet. Business credit cards offer a variety of perks, but does yours match your needs?

To illustrate, if your company spends heavily on travel, consider the Business Platinum Card® from American Express. This card provides significant value by earning you five times the membership points on flights and prepaid hotels booked through Amex Travel.

As you rack up membership points, you might wonder where the best place is to redeem them. This is where the card really displays its value.

Use Membership Rewards points to book flights through Amex Travel. You’ll receive 35% of the points back when booking business or first-class flights on any airline, or economy flights on your selected airline.

Here's how it works:

• Choose a selected airline online or by calling the customer service number on the back of your card. You can change your selected airline once per calendar year.
• Use membership points to pay for all or a portion of your flights.
• You'll receive the 35% rebate (in membership points) six to 10 weeks after charges appear on your billing statement.
• You can receive up to a million membership points back in each calendar year
• For bookings made through Spirit or Southwest Airlines, you'll need to call Amex business travel services at 1-800-553-9497 to qualify.

Is this card right for your business?

This won't be the best travel solution for all businesses. To start, there's the card's $895 annual fee, and if your employees need cards, it's $400 per card. These fees alone might not be worth the switch if your company has a no-fee or low-fee card that offers satisfactory rewards.

Additionally, you must select only one airline to qualify. If you have employees traveling internationally, you might not be able to maximize the rewards enough to justify the fee, though codeshare flights are eligible. This is where an airline sells tickets for another airline's flight.

The qualifying airlines:

• Alaska Airlines
• American Airlines
• Delta Air Lines
• Hawaiian Airlines
• JetBlue
• Southwest Airlines
• Spirit Airlines
• United Airlines

Another thing to keep in mind is that booking travel through Amex's Travel portal might not lead to the best flight deals. Research from The Points Guy found portal bookings can cost about 10.32% more on average than booking directly with airlines, though the difference varies depending on the route, fare class and how points are redeemed.

How much do I need to spend on flights to justify the fee?

While there are many things to consider before deciding whether the card is right for you, you might be surprised to learn that it doesn't cost much to justify the annual fee with the 35% rebate.

Assuming a redemption value of about 1 cent per point, the 35% rebate could offset the card’s $895 annual fee after roughly $2,557 in flights booked with points. Actual savings will vary depending on how points are earned and redeemed.

This isn't a high bar for many businesses. The key is building up to the point at which you can use points regularly to book flights.

On top of this, you'll earn an annual $200 airline credit for incidentals, a $200 Hilton credit for stays and a $209 Clear Plus membership. Considering you're already traveling, you can use the card to earn membership points on things you'll use anyway, and statement credits could justify the fee in no time.

Leverage points to lower travel costs

Overall, saving on travel is a key consideration for many businesses. Using the Business Platinum Card from American Express can help you earn 35% of your points back on flights booked using your points. Over time, this could save you significantly.

While the annual fee is high, the spending threshold needed to justify it is not. However, if your business doesn't travel often, there are better card options available without the higher annual fees. Here's a good one:

We may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened. We may not cover every available offer. Our relationship with advertisers may impact how an offer is presented on our site but our editorial selection of products is made independently. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. We calculate a typical annual reward for each card, assuming $36,000 spent annually and less any annual fee. Interest rates, fees, rewards and other terms listed in this article are subject to change. Before you apply for a credit card, check its current terms and conditions with the issuer.

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• Kiplinger's Best Rewards Credit Cards
• Five Best US Airport Lounges for Your Money

We may get compensation if you visit partner links on our site. We may not cover every available offer. Our relationship with advertisers may impact how an offer is presented on our website. However, our selection of products is made independently of our relationship to advertisers. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

This Chase Ink business card could line your pocket with a welcome bonus worth $900, or more. With the Ink Business Preferred® Credit Card, you earn 90,000 bonus points after you spend $8,000 on purchases in the first three months. That's $900 cash back, $1,125 toward travel when redeemed through Chase Travel℠, or up to $1,845 value when transferring points to some Chase partners.

Before you pull the trigger on this card, be sure to check out its closest competitor, the Capital One Venture X Business Card, now offering 150,000 bonus points for new cardholders.

And be sure your business really needs a credit card and not a small business loan, as we explain in the section "Should you get a business card?"

Chase Ink Business Card

• Other cardholder perks

What can you spend the bonus points on?

You may use the 90,000 bonus points in several ways.

Cash Back ($900 value) – By logging into your Chase Ultimate Rewards account, you will see options for cash back at the rate of one penny for each point. You may redeem any amount for deposit into your checking or savings account – at Chase or other major banks – or as a statement credit on your Chase Ink account. And with the Chase Pay Yourself Back program, you can get 1.25 cents back per point when donating to certain charities through December 31, 2024.

Transfer points to a partner airline frequent flyer or hotel program ($900 to $1,845 variable value) – Chase Travel℠ partners with eleven airlines and three hotel chains, so you can easily transfer your Chase points to your preferred partner program at a one-penny-per-point ratio. Since the points on these partner programs may vary in value depending on how and when you use them, the actual value of your transferred Chase points may be more or less than 1:1.

According to The Points Guy, the value of 90,000 points you'll earn from the Ink card offer is worth $1,845 (or 2.05 cents per point) when used strategically with travel partners. I wouldn't count on getting that value; not everyone has the time or energy to maximize their points.

Purchase airfare, hotel or other travel through the Chase Travel℠ portal ($1,125 value) – You may redeem the points through the Chase Travel portal at a 25% higher value.

Once you’ve spent at least $8,000 in the first three months of owning the card, you will need to wait an additional six to eight weeks for the bonus points to post to your account, so don’t plan on redeeming the bonus points immediately.

Let’s say you have a frequent flyer account with United Airlines. You may transfer the bonus 90,000 points to your United account, adding the equivalent of 90,000 miles. However, if you book your flight through the Chase Travel portal, you may redeem them at a 1:25 rate, rather than 1:1.

If anything goes wrong on your trip, you will interact with customer service agents from Chase Travel rather than United. That’s why understanding how credit card travel portals work is important. Chase tends to get average to high marks for its travel portal customer service.

Should you get a business card?

Before you apply for a business credit card, here are some potential things to keep in mind to determine whether it's the right move:

• Your credit score: Most of the top business credit cards require good or excellent credit, which means a FICO credit score of 670 or higher. If your score is lower than that, your options may be limited. Be sure you understand the details of what makes up a good credit score.
• Potential costs: Business credit cards often charge high interest rates, and some also assess an annual fee. You can avoid interest by paying your balance in full each month, but if you think you'll be carrying a balance, consider how potential interest charges could impact your bottom line. If you're thinking about getting a card with an annual fee, make sure you can get enough value from the rewards program and perks to make up for it.
• Whether you can take on another financial account: Managing multiple financial accounts can be challenging. If you already have multiple personal and business accounts to keep track of, adding another one could make things more complicated. In some cases, it can make sense to stick with what you already have, as long as you have enough accounts to keep personal and business expenses separate.
• Your reasons for wanting one: Business credit cards can help with everyday cash flow, but if you're looking to finance growth in your business beyond the initial stages, you may want to consider a small business loan instead. Also, don't think that using a business credit card will shield you from responsibility if your company goes under — business card issuers typically require a personal guarantee when you apply, so you'll still be personally liable for the debt.
• Security: Make sure you can keep the account secure, particularly from potential business partners and employees.

Read More

• $2,775 Capital One Business Card Intro Offer
• United Airlines Card Launches $900 Offer
• Best Airline Credit Card Bonuses With a Free Ticket
• Five Best U.S. Airport Lounges for Your Money

As an independent publication dedicated to helping you make the most of your money, the article above is our view of the best deals and is not the opinion of any entity mentioned such as a card issuer, hotel, airline etc. Similarly, the content has not been reviewed or endorsed by any of those entities.

This article only reviews select Southwest business card offers. We may get compensation if you visit partner links on our site. We may not cover every available offer. Our relationship with advertisers may impact how an offer is presented on our website. However, our selection of products is made independently of our relationship to advertisers.

Southwest business cards are currently offering their largest intro bonus yet. To get the full 120,000 Rapid Rewards Points, you'll need to spend $15,000 in purchases in your first nine months. That's a value of $1,800 when redeemed for travel; it's one of the best deals in the competitive world of rewards credit cards right now.

Plus, with the Southwest® Rapid Rewards® Performance Business Credit Card, you get 9,000 "anniversary points" each year (worth about $135). This yearly benefit softens the pain of a $199 annual fee, meaning you'll spend about $64 a year to own this card.

Southwest business card overview

• Sign-up bonus: Earn up to 120,000 points. Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening and an additional 40,000 points when you spend $15,000 in 9 months.
• Rewards rates:
• Annual benefits: Four upgraded boardings when available and 9,000 bonus points after your Cardmember anniversary.
• Other benefits: Add employee cards at no cost. There's no limit to the amount of employee cards you can request, and their cards also earn points.
• Redemption: Points may be redeemed for travel on Southwest Airlines or through its Rapid Rewards program; points may also be redeemed for gift cards, merchandise, and entertainment.
• Interest rate: 20.74% to 27.74% variable APR for purchases and balance transfers.
• Annual fee: $199.
• Foreign transaction fee: None, so this is a good card to use abroad.
• Member FDIC

FAQs

Is the Rapid Rewards loyalty program free?

Yes, joining Southwest's loyalty program, Rapid Rewards, is free.

Do the points expire?

No, Rapid Rewards points do not expire. If you close your account, however, you'll forfeit the points.

Are there blackout dates?

There are no blackout dates or seat restrictions on Rapid Rewards points.

How much is a Rapid Rewards point worth?

A recent Bankrate valuation shows that each point is worth 1.5 cents when redeemed for travel. That means that 1,000 points are worth up to $15.

Where does Southwest fly?

Southwest flies throughout the U.S. (including Hawaii, but not Alaska), Mexico, the Caribbean and most of Central America. Southwest does not partner with other airlines, so these aren't the points that will get you a European vacation.

How far can I fly with the 120,000-point bonus?

The points required for each flight will vary according to distance, time of day and other factors. When you book with points, you must also pay taxes, fees, and other government or airport-imposed charges of at least $5.60 per one-way trip.

How is the program improving in 2024?

Southwest recently modified the Rapid Rewards program to make it easier for members to achieve elite status. You can earn A-List status by flying one-way 20 times in a year (down from 25) and A-List Preferred status by flying one-way 40 in a year (down from 50).

Is the Rapid Rewards travel app any good?

The Southwest Mobile App won the second-best airline travel app ranking in the J.D. Power 2023 U.S. Manufacturer Website Evaluation Study.

Other cards to consider

The intro offer on the Capital One Venture X Business card is 150,000 bonus miles, worth between $1,500 and $2,775 when redeemed for travel. To qualify for the offer, you'll need to spend $30,000 on the card in the first three months. Although Southwest is not one of Capital One's travel partners, the Capital One Miles are very flexible. You may get reimbursed for travel on any airline for up to 90 days after you have traveled.

If you want a co-branded Southwest card but don’t feel comfortable paying $199 per year for an airline credit card for your business, consider the Southwest® Rapid Rewards® Premier Business Credit Card. This card will cost you just $99 per year, yet you’ll earn the same sign-up bonus and a similar rewards rate.

Rewards cards dos and don'ts

As with any rewards credit card, be sure to weigh these benefits against fees — a $199 annual fee in this case — and make sure you understand how to use the card effectively. That said, $199 should be mostly offset if you travel enough to use the anniversary bonus points.

Reward credit cards are great if you use them wisely. However, always pay them off in full each month to avoid interest, which can dwarf the gain. And don't spend any more than usual to hit any trigger. The last thing you want to do is chase credit card rewards when you're in debt.

Read More

• World of Hyatt Business Credit Card Offer Worth up to $1,380
• Earn $900+ with IHG One Rewards Premier Business Card Bonus
• Best Travel Rewards Credit Cards
• Credit Cards That Cover Rental Car Insurance

This article only reviews the Chase World of Hyatt Business Credit Card. We may get compensation if you visit partner links on our site. We may not cover every available offer. Our relationship with advertisers may impact how an offer is presented on our website. However, our selection of products is made independently of our relationship to advertisers.Fees and welcome offer checked on January 9, 2025.

World of Hyatt is the latest business rewards credit card working hard to make you a customer. The World of Hyatt Business Credit Card launched an attractive welcome offer for new cardholders.

World of Hyatt Card overview

Just how good is this deal? If you’re a new cardholder, you can earn up to 60,000 Bonus Points. Earn 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening. Plus, 1 free night at any category 1-4 Hyatt hotel after spending $15,000 on purchases within the first 6 months of account opening.

Since Bankrate estimates World of Hyatt points are each worth 2.3 cents, that’s a total value of $1,380, nicely eclipsing the $199 annual fee.

What's new: World of Hyatt and American Airlines announced a new partnership. Starting in 2025, AAdvantage^® members (American Airlines' frequent flyer program) will be able to choose World of Hyatt awards at various levels in Loyalty Point Rewards, and World of Hyatt members will be able to select AAdvantage^® rewards as part of World of Hyatt Milestone Rewards.

• Bonus points for new cardholders: Earn 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening. Plus, 1 free night at any category 1-4 Hyatt hotel after spending $15,000 on purchases within the first 6 months of account opening.
• Extra benefits: First, earn up to $100 in Hyatt statement credits by spending $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year. Second, earn five Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year. And finally, you qualify for World of Hyatt Discoverist status for as long as your account is open. Plus, you can get Discoverist status for up to five employees.
• Earning rates:
• Interest rate: 19.99% - 28.49% variable APR.
• Annual fee: $199.
• Foreign transaction fee: None.
• Redemption: You may redeem points for hotel stays, cash or room upgrades.
• Member FDIC.

Why Hyatt?

Hyatt Hotels and its World of Hyatt Rewards program have won numerous accolades. Here are just a few.

Kiplinger Readers' Choice for Hyatt Card. The World of Hyatt rewards credit card won best overall hotel card in the 2024 Kiplinger Readers' Choice Awards. Readers praised the card for its customer service, overall satisfaction and as most recommended.

Award for upscale extended stay. J.D. Power recently awarded Hyatt House first place for customer satisfaction in the category of extended stays. The award is based on a survey of almost 40,000 hotel stays.

Mission Pacific Beach Resort was voted the “Best Hotel in Continental U.S.” by Travel & Leisure Hotel 2024.

Savings tip. Check out Hyatt's deals page to find discounts and other offers.

Hyatt hotel brands

What to consider before getting a business card

Before you apply for a business credit card, here are some potential things to keep in mind to determine whether it's the right move:

• Your credit score: Most of the top business credit cards require good or excellent credit, which means a FICO credit score of 670 or higher. If your score is lower than that, your options may be limited.
• Potential costs: Business credit cards often charge high interest rates, and some also assess an annual fee. You can avoid interest by paying your balance in full each month, but if you think you'll be carrying a balance, consider how potential interest charges could impact your bottom line. If you're thinking about getting a card with an annual fee, make sure you can get enough value from the rewards program and perks to make up for it.
• Whether you can take on another financial account: Managing multiple financial accounts can be challenging. If you already have multiple personal and business accounts to keep track of, adding another one could make things more complicated. In some cases, it can make sense to stick with what you already have, as long as you have enough accounts to keep personal and business expenses separate.
• Your reasons for wanting one: Business credit cards can help with everyday cash flow, but if you're looking to finance growth in your business beyond the initial stages, you may want to consider a small business loan instead. Also, don't think that using a business credit card will shield you from responsibility if your company goes under — business card issuers typically require a personal guarantee when you apply, so you'll still be personally liable for the debt.
• Security: Make sure you can keep the account secure, particularly from potential business partners and employees.

Other Business Card Deals

• Capital One Business Card Intro Offer Worth $2,775
• $1,500 to $3,000 Amex Card Offer
• Earn $900+ with IHG One Rewards Premier Business Card Bonus
• Best Travel Rewards Credit Cards

As an independent publication dedicated to helping you make the most of your money, the article above is our view and is not the opinion of any entity mentioned such as a card issuer, hotel, airline, etc. Similarly, the content has not been reviewed or endorsed by any of those entities.

This article only covers the business card offered by the Capital One Venture X business card. We may get compensation if you visit partner links on our site. We may not cover every available offer. Our relationship with advertisers may impact how an offer is presented on our website. However, our selection of products is made independently of our relationship with advertisers. Rates and fees checked as of February 18, 2026

The intro offer on the Capital One Venture X Business is excellent. Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening.

Still, spending $30,000 in the first three months is a very high bar. Plenty of other good options exist if you want easier access to a bonus offer.

For example, the World of Hyatt Business card provides up to 60,000 Bonus Points by offering 30,000 Bonus Points after spending $3,000 in the first three months and up to 30,000 Bonus Points by earning two Bonus Points total per $1 spent in the first six months (on up to $15,000 spent).

Or, with The Business Platinum Card® from American Express, you may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.

Venture X Business Card Overview

• Sign-up bonus: Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
• Interest rate: Since this is a charge card that must be paid in full every month, there is no interest rate. Any unpaid portion of your bill will be charged a 2.99% late payment fee. There isn't a rate for balance transfers since you can't use this card for them.
• Spending limit: With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards. This does not mean you have unlimited purchasing power on your card. The purchasing power adapts based on factors such as payment history, spending behavior, credit profile and other factors, which may be external.
• Annual fee: $395. This fee is about average for a premium card but may be mostly offset by the $300 annual credit on Capital One's travel booking site.
• Foreign transaction fee: None, so this card is ideal for travel abroad.
• Top rewards rate: Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel
• Other rewards rate: Five miles back on flights and vacation rentals booked through Capital One Travel. Two miles back on all other purchases.
• Annual rewards: Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One Business Travel.
• Business-friendly benefits: Free employee cards, with the ability to set individual spending limits on them. Authorized users do not get airport lounge access.
• Travel lounges and benefits: Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass lounges, after enrollment
• Redemption: Miles earned are worth a penny each if you redeem them for travel on the Capital One portal, or you may transfer them to participating partners, potentially delivering more value for your miles. The cash-back rate is only half a cent.
• Top-rated mobile app

What can you spend the Bonus Miles on?

You may use the 150,000 bonus miles in several ways.

• Book travel through Capital One’s portal ($1,500 value): redeem miles on the company’s travel portal on a 1:1 basis. This is the simplest way to get the full value of your bonus miles.
• Transfer miles to a partner frequent flyer or hotel program: Capital One partners with more than 15 airlines and three hotel chains at a one-penny-per-point ratio, so you can easily transfer your Capital One miles to your preferred partner program. Since the points on these partner programs may vary in value depending on how and when you use them, the actual value of your transferred Capital One miles may be more or less than 1:1. Before you transfer miles, make sure the travel you want to book is available.
  
  Two other transfer partners redeem less than on a 1:1 ratio. Taiwanese carrier EVA Air redeems at a 2:1.5 ratio, so you could redeem 10,000 Capital One miles for only $75 worth of EVA points. The French hotel chain Accor only offers a 2:1 ratio, meaning you only get fifty cents to the dollar on points transferred.
• Redeem miles for expenses on a past trip: Book your travel through your preferred travel website or travel agent using your Capital One Rewards card. Then, within 90 days from the date your travel purchase posts to your account, sign in to your account at capitalone.com and select Cover Your Travel Purchases. It may take a couple of months for the credit to post to your account.
• Shop at Amazon.com: You may redeem purchases at Amazon for 0.8 cents for each mile. Although this is slightly better than opting for cash back, it is still well below the redemption rate of many cash back credit cards.
• Cash Back: You should avoid redeeming your bonus for cash back, as it delivers the lowest value (0.5 cents per mile) of any redemption type. By logging into your Capital One reward account, you will see options for cash back at the rate of one-half penny for each mile. You may redeem any amount for a check in the mail or an account credit.

Capital One Transfer Partners

The Capital One Venture rewards program has partnerships with 15+ airlines, allowing cardholders to transfer Capital One Venture miles to the partner rewards programs. These partners cover destinations across much of the globe, including off-the-beaten-path destinations like Istanbul, Turkey and Barbados.

Capital One Venture rewards miles are worth one point on most of these carriers when you log in to your Capital One account, transfer Capital One miles to the frequent flyer account of a partner, and book your travel on the partner's website. These Capital One transfer partners are as follows:

When you transfer 1,000 Capital One miles to any of these transfer partners, you’ll receive 1,000 miles or points with the following travel loyalty programs:

• Aeromexico Club Premier (based in Mexico)
• Air Canada - Aeroplan®
• Cathay Pacific - Asia Miles (based in Hong Kong)
• Avianca LifeMiles (based in Colombia)
• British Airways Executive Club
• Emirates Skywards (based in Dubai)
• Etihad Guest (based in Abu Dhabi, United Arab Emirates)
• Finnair Plus (based in Finland)
• Flying Blue (for Air France and for KLM, based in the Netherlands)
• Qantas Frequent Flyer (Australia)
• Singapore Airlines KrisFlyer
• TAP Miles&Go (based in Portugal)
• Turkish Airlines Miles&Smiles
• Virgin Red (based in the U.K. but partnered with Delta Airlines)
• Qatar
• EVA Air - Infinity MileageLands (based in Taiwan).
  This program carries a 2:1.5 transfer ratio, so 1,000 Capital One miles are only worth 750 miles when using this loyalty program.
• Jet Blue - The program offers a 5:3 transfer ratio. So if you transfer 1,000 Capital One miles to Jet Blue, you'll receive 600 TrueBlue points.

The Capital One Ventures rewards program also partners with three hotel chains. Capital One miles are worth one point at each of these hotels, but are worth half as much if booked with Accor hotels chain.

• Choice Privileges^®
• Wyndham Rewards
• ALL - Accor Live Limitless, with a 2:1 transfer ratio. When you transfer 1,000 Capital One miles to this transfer partner, you’ll receive 500 miles or points with its travel loyalty program.

Pros and cons of the Capital One Venture Rewards card

Pros:

• Generous bonus offer.
• Unlimited points that do not expire.
• No foreign transaction fee.
• Many perks are designed for travelers, including price match, price alert, up to $120 reimbursement for a Global Entry or TSA PreCheck pass, and more.

Cons:

• Annual fee of $395 (though partially offset by $300 annual travel credit).
• Lack of flexibility when redeeming points.
• Most travel partners are based abroad.
• No balance transfer options.
• Low redemption value for cash back.
• Capital One and Discover may merge, which could change credit card terms for both companies' products.

How will the Discover merger impact cardholders?

Recently, Capital One's acquisition of Discover Financial Services was approved. The $35.3 billion merger positions Capital One as one the largest credit card issuers in the country.

How it will impact you moving forward? At this time, it's business as usual. You'll still rely on the same customer service, account and app access and there will be no changes to card terms, unless notified by Capital One.

What to consider before getting a business card

Before you apply for a business credit card, here are some potential things to keep in mind to determine whether it's the right move:

• Your credit score: Most of the top business credit cards require good or excellent credit, which means a FICO credit score of 670 or higher. If your score is lower than that, your options may be limited.
• Potential costs: Business credit cards often charge high interest rates, and some also assess an annual fee. You can avoid interest by paying your balance in full each month, but if you think you'll be carrying a balance, consider how potential interest charges could impact your bottom line. If you're thinking about getting a card with an annual fee, make sure you can get enough value from the rewards program and perks to make up for it.
• Whether you can take on another financial account: Managing multiple financial accounts can be challenging. If you already have multiple personal and business accounts to keep track of, adding another one could make things more complicated. In some cases, it can make sense to stick with what you already have, as long as you have enough accounts to keep personal and business expenses separate.
• Your reasons for wanting one: Business credit cards can help with everyday cash flow, but if you're looking to finance growth in your business beyond the initial stages, you may want to consider a small business loan instead. Also, don't think that using a business credit card will shield you from responsibility if your company goes under — business card issuers typically require a personal guarantee when you apply, so you'll still be personally liable for the debt.
• Security: Make sure you can keep the account secure, particularly from potential business partners and employees.

Other credit card deals and perks

• Best Travel Rewards Credit Cards
• Chase Sapphire Preferred Launches Bonus Offer
• Credit Cards That Cover Rental Car Insurance

As an independent publication dedicated to helping you make the most of your money, the article above is our view of the best deals and is not the opinion of any entity mentioned such as a card issuer, hotel, airline etc. Similarly, the content has not been reviewed or endorsed by any of those entities.

This article covers our selection of Chase Ink business credit cards. We may get compensation if you visit partner links on our site. We may not cover every available offer. Our relationship with advertisers may impact how an offer is presented on our website. However, our selection of products is made independently of our relationship to advertisers. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired

If you’re in the market for a new business credit card, a Chase Ink card could line your pocket with a $750 (or more) welcome bonus, plus cash back on purchases. That’s a whole lot of petty cash.

These Chase cards range from the basic, no-annual-fee Ink Business Cash® Credit Card to the top-of-the-line Ink Business Premier® Credit Card, which offers 2.5% cash back on purchases over $5,000 and travel benefits through Chase Ultimate Rewards®. These are solid reward credit cards that are tailored to a small-to-medium business owner's needs.

Ink Business Cash Credit Card

• Sign-up bonus: Earn $350 after you spend $3,000 on purchases in the first 3 months your account is open. Plus, an additional $400 when you spend $6,000 on purchases in the first 6 months after account opening.
• Interest rate: 0% intro APR on purchases for the first 12 months, after that variable APR of 17.49% - 25.49%.
• Annual fee: None.
• Foreign transaction fee: 3%, so this card is not ideal for travel abroad.
• Top rewards rate: 5% cash back on the first $25,000 in combined spending each year at office supply stores and on internet, cable and phone services.
• Other benefits: 2% cash back on the first $25,000 in combined spending each year at gas stations and restaurants; 1% back on all other purchases.
• Business-friendly benefits: Free employee cards, with the ability to set individual spending limits on them; integrate your Chase Ink card with bookkeeping software.
• Redemption: Points earned are worth a penny each if you redeem them for cash back, gift cards, or travel.
• Member FDIC

Ink Business Unlimited Credit Card

• Sign-up bonus: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
• Interest Rate: 0% APR for 12 months on purchases, then 17.49% - 23.49% APR variable.
• Annual fee: None.
• Foreign transaction fee: 3%, so this card is not ideal for travel abroad.
• Rewards rate: Earn unlimited 1.5% cash back on every purchase made for your business.
• Business-friendly benefits: Free employee cards, with the ability to set individual spending limits on them; integrate your Chase Ink card with bookkeeping software.
• Redemption: Points earned are worth a penny each if you redeem them for cash back gift cards, or travel. Cardholders may redeem rewards through the Chase Ultimate Rewards® program.
• Member FDIC

Ink Business Premier Credit Card

• Sign-up bonus: Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
• Interest Rate: Flex for Business Variable APR: 18.49% - 26.49%
• Annual fee: $195.
• Foreign transaction fee: None. So this card is a good choice for international travelers.
• Rewards rate: Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
• Travel benefits: Unlimited 5% total cash back on travel purchased through Chase Ultimate Rewards (3% additional Cash Back rewards on top of the 2% Cash Back rewards earned on each purchase). Get 5% back on qualifying Lyft rides through 03/2025. You'll also get trip Cancellation/Trip Interruption Insurance. Chase cards offer excellent rental car insurance and travel insurance.
• Business-friendly benefits: Free employee cards, with the ability to set individual spending limits on them; integrate your Chase Ink card with bookkeeping software.
• Redemption: Points earned are worth a penny each if you redeem them for cash back gift cards, or travel. Cardholders may redeem rewards through the Chase Ultimate Rewards® program.
• Member FDIC.

What to Consider Before Getting a Business Credit Card

Before you apply for a business credit card, here are some potential things to keep in mind to determine whether it's the right move:

• Your credit score: Most of the top business credit cards require good or excellent credit, which means a FICO credit score of 670 or higher. If your score is lower than that, your options may be limited. Be sure you understand the details of what makes up a good credit score.
• Potential costs: Business credit cards often charge high interest rates, and some also assess an annual fee. You can avoid interest by paying your balance in full each month, but if you think you'll be carrying a balance, consider how potential interest charges could impact your bottom line. If you're thinking about getting a card with an annual fee, make sure you can get enough value from the rewards program and perks to make up for it.
• Whether you can take on another financial account: Managing multiple financial accounts can be challenging. If you already have multiple personal and business accounts to keep track of, adding another one could make things more complicated. In some cases, it can make sense to stick with what you already have, as long as you have enough accounts to keep personal and business expenses separate.
• Your reasons for wanting one: Business credit cards can help with everyday cash flow, but if you're looking to finance growth in your business beyond the initial stages, you may want to consider a small business loan instead. Also, don't think that using a business credit card will shield you from responsibility if your company goes under — business card issuers typically require a personal guarantee when you apply, so you'll still be personally liable for the debt.
• Security: Make sure you can keep the account secure, particularly from potential business partners and employees.

Read More

• World of Hyatt Launches Offer Worth up to $1,380
• Capital One Business Card Intro Offer Worth $2,775
• Best Business Credit Cards
• What is a Good Credit Score?

As an independent publication dedicated to helping you make the most of your money, the article above is our view of the best deals and is not the opinion of any entity mentioned such as a card issuer, hotel, airline etc. Similarly, the content has not been reviewed or endorsed by any of those entities.

Protecting your credit card information from fraudsters is a job with many layers. It’s a good idea to check your credit report and bank statements frequently, and you can prevent someone from applying for credit in your name by freezing your credit records.

For extra protection, you may want to start disguising your actual credit card number with a virtual number—especially if you plan to do most of your shopping online this holiday season. Most Capital One and select Citi cards, as well as mobile wallets from Apple, Google and Samsung, offer this feature, which randomly generates virtual numbers that are linked to your credit card.

Capital One cardholders can protect online transactions by downloading and installing the browser extension Eno. When you are on a merchant’s checkout page, the extension pops up, you sign into your Capital One account, and Eno generates a merchant-specific virtual credit card number. (The numbers expire in five years.)

Citi members must log in to their credit card account and opt in to use a virtual credit card number. An update rolling out by the end of this year will let users generate one virtual number for multiple merchants.

Mobile-wallet users have the advantage of being able to create virtual credit card numbers to use in-store as well as online. For example, Apple Pay stores a “token,” or a device-specific account number, that acts as a stand-in for your actual credit card number once you add the card to the mobile wallet. This token is encrypted and stored on the device. At checkout, Apple Pay will send the token information and a transaction-specific security code to the merchant, who relays it to the payment network, where it’s verified against the stored information. Google Pay and Samsung Pay work more or less the same way.

Keep in mind that because the merchant doesn’t have your actual card number, it’s important to keep a record of your receipt in case you need to make a return.