Lone Travellers’ Rating | 4.5 |
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn
Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
$95
20.49% – 26.49% Variable
670-850 (Good/Excellent)
The Ink Business Preferred® Credit Card is a great choice for business owners, offering a generous sign-up bonus and rewards on popular business spending categories like travel, shipping, advertising, and telecommunications. It also includes valuable benefits such as travel protections, shopping protections, and primary rental car coverage for business use, which extends to your employees. This card provides excellent value for businesses looking to maximize their spending.
Lone Travellers’ Rating | 4.5 |
Earn 10 miles per dollar on hotels and rental cars booked through Capital One Travel.
Earn 5 miles per dollar on flights and vacation rentals booked through Capital One Travel.
Earn 2 miles per dollar on every purchase.
Earn 150,000 miles once you spend 30,000 dollars in the first three months from account opening.
$395
N/A
740-850 (Excellent)
The Capital One Venture X Business Card takes the features of the Capital One Venture X Rewards Card to the next level. It provides a great welcome bonus, but you’ll need to meet a higher spending requirement to unlock it.
This Capital One Card is packed with premium travel benefits, including annual travel credits and lounge access, making it a smart choice for business owners who travel often and want to maximize their rewards while enjoying extra perks.
Lone Travellers’ Rating | 4 |
Earn 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com.
Earn 1.5X points on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year.
Earn 1X points for each dollar you spend on eligible purchases.
Enjoy 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
$695
18.49% – 27.49% Variable
670-850 (Good/Excellent)
The Business Platinum Card from American Express is an excellent choice for frequent travelers who want to bring some luxury to their business trips. Although it has a high annual fee, the card offers many valuable perks in return. These include generous travel credits each year, unmatched lounge access, including Amex Centurion Lounges, and much more.
Statement Credits: Unlock over $1,000 in credits during your first year for select tech, recruiting, and wireless purchases (enrollment required).
Airline Fee Credit: Get up to $200 back annually on baggage fees and other incidentals when you select one qualifying airline.
New Hilton Benefit: Hilton For Business members can earn up to $200 back each calendar year on eligible purchases at Hilton properties worldwide (enrollment required).
Reward Points: Earn 5X Membership Rewards® points on flights and prepaid hotels booked through AmexTravel.com, plus 1X points on other eligible purchases.
CLEAR® Plus Credit: Get up to $199 annually in statement credits for your CLEAR® Plus membership (auto-renewal applies).
Annual Fee: $695.
Terms apply.
Lone Travellers’ Rating | 4 |
Earn 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel.
Earn 2 Mile per 1 dollar spent on every purchase, everywhere.
Earn a one-time bonus of 50,000 miles—equivalent to $500 in travel—after spending $4,500 on purchases within the first 3 months of opening your account.
$0 for first year and $95 after that
25.24% (Variable)
670-850 (Good/Excellent)
This Capital One Business Card makes it easy to earn rewards on every business purchase, regardless of category. You can redeem these miles for travel expenses or transfer them to travel partners with ease.
Lone Travellers’ Rating | 3.5 |
Enjoy unlimited 1.5% cash back on purchases.
Receive a $300 online statement credit after making at least $3,000 in purchases within the first 90 days of opening your account.
$0
17.49% – 27.49% Variable
740-850 (Excellent)
The Bank of America Business Advantage Unlimited Cash Back offers great rewards on every purchase, with a 1.5% cashback rate. Existing Bank of America customers in the Preferred Rewards for Business program can earn even more, potentially up to 1.875-2.62x.
Lone Travellers’ Rating | 3.5 |
Enjoy unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
Enjoy unlimited 2% cash back on every purchase.
Get $2,000 cash back once you spend $30,000 in the first 3 month and earn an additional $2,000 cash bonus for every $500k spent during the first year.
$150
740-850 (Excellent)
The Capital One Spark Cash Plus is an excellent option for businesses with significant expenses. It offers unlimited 2% cash back on all purchases, making it simple to earn rewards without worrying about spending categories. Additionally, if your business spends at least $150,000 in a year, Capital One will refund the card’s annual fee—an added benefit for companies with high spending needs.
Maximizing tax deductions: Using business credit cards to buy capital equipment can offer tax-planning benefits. For instance, if you use a credit card to pay for equipment repairs before the year ends, you could claim a tax deduction for that year while paying off the purchase later.
Tax simplification: Many modern business credit cards have advanced reporting and accounting features that make it easy to download detailed expense reports. These reports can often be directly imported into small-business accounting software.
There’s no one-size-fits-all business credit card. The best option for your small business depends on several factors. For example, do you prefer earning cash-back rewards, airline miles, hotel points, or transferable currencies? Are you willing to pay an annual fee? What are your business’s biggest spending categories each year? Do you or your employees travel often, and would benefits like hotel elite status or checked bag allowances be helpful?
Here are some key factors to consider when selecting a business credit card:
1. Sign-Up Bonuses
Choose a card with a sign-up bonus that your business can easily meet the minimum spending requirement for. A welcome bonus is a key factor in a card’s value, as it often provides more points than what you would earn through regular business spending.
2. Reward Categories
If your card has an annual fee, it’s important to assess whether the card’s perks and benefits justify the cost of that fee.
3. Annual fee
Select a business card that offers higher earning rates on the types of purchases your business makes most frequently.
If you own a small business or work freelance, you might qualify for a business credit card. You don’t always need a tax ID or Employer Identification Number (EIN) to apply; as a sole proprietor or side gig worker, you can typically use your Social Security number (SSN) instead.
There isn’t one “best” card for all small businesses. Instead, it’s important to choose a card based on the rewards and benefits that align with your business needs. If your company frequently travels abroad, you’ll want a card with no foreign transaction fees. If travel rewards aren’t a priority, a cash-back card might be a better option. If your business spends a lot on client dinners, a card with dining bonuses could be the best choice.
Business credit cards differ from personal credit cards in several key ways:
Credit cards can boost your credit score if used responsibly. The two most important factors are your payment history and the amount you borrow. For those with a poor credit history, secured credit cards can be a great option to start rebuilding credit.
Credit cards provide excellent benefits and strong fraud protection, making them a top payment choice. However, they’re not ideal for everyone. If you tend to overspend, it’s wiser to use a debit card until you’re confident in managing credit responsibly.
Yes, you can apply, though each issuer has the right to review your application and decide if you qualify for a business line of credit. As a sole proprietor, you can often use your Social Security number and still get approved for a card. Even without a business credit history, the issuer will typically consider your personal credit score and history when determining your eligibility.
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At Lone Travellers, we believe credit cards can open up incredible opportunities for travelers, turning everyday expenses into cash back or unforgettable trips. That’s why we share helpful guides and honest comparisons to help you pick the right card for your adventures.
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