Hello, Sobat Hitunggaji! Are you a frequent business traveler looking for the best credit card to suit your needs? If so, you have come to the right place. In this article, we will be discussing the best business travel credit cards available in the market today. As we all know, traveling for business can be expensive, but with the right credit card, you can save on travel expenses and earn rewards at the same time.
Before we dive into the details, let’s take a closer look at what business travel credit cards are, how they work, and what features to look for when choosing the best one for your needs.
What Are Business Travel Credit Cards?
Business travel credit cards are credit cards designed for people who travel frequently for business. They offer a variety of benefits that can help you save money on travel expenses and earn rewards for your spending. Some of the benefits offered by business travel credit cards include:
- Travel rewards points
- Airline miles
- Cash-back rewards
- Hotel discounts
- Travel insurance
- Lounge access
By choosing the right business travel credit card, you can maximize these benefits and save money on your next business trip.
What Features to Look for When Choosing a Business Travel Credit Card?
With so many business travel credit cards to choose from, it can be overwhelming to decide which one is right for you. Here are some features to look for when choosing the best business travel credit card:
- Travel rewards programs that fit your travel habits
- No foreign transaction fees
- Travel insurance
- Low annual fee
- Lounge access
- Rental car insurance
- Flexible redemption options
Now that we know what to look for, let’s take a closer look at the best business travel credit cards available today.
Strengths and Weaknesses of Best Business Travel Credit Cards
Each business travel credit card has its own strengths and weaknesses. Here are some of the key strengths and weaknesses of the best business travel credit cards:
Chase Sapphire Reserve
- Sign-up bonus of 60,000 rewards points after spending $4,000 in the first 3 months.
- Points can be redeemed for travel rewards with a 50% bonus, making them worth 1.5 cents each.
- Priority Pass Select membership offers access to over 1,000 airport lounges around the world at no additional cost.
- Complimentary Global Entry or TSA PreCheck application fee credit every four years.
- High annual fee of $550.
- No introductory APR offer for purchases or balance transfers.
- No bonus rewards for spending on office supplies, cable, phone, or internet services.
American Express Business Platinum Card
- Sign-up bonus of up to 75,000 Membership Rewards points: 50,000 points after spending $10,000 and an additional 25,000 points after spending another $10,000, all within the first 3 months.
- 5 Membership Rewards points per dollar spent on flights and hotels booked through Amex Travel.
- Access to over 1,200 airport lounges around the world through the American Express Global Lounge Collection.
- $200 annual airline fee credit for incidental fees, such as baggage fees and seat upgrades.
- High annual fee of $595.
- Earns only 1 Membership Rewards point per dollar spent on other purchases.
- Airline fee credit doesn’t count toward actual airfare purchases.
Citi Prestige Card
- Sign-up bonus of 50,000 ThankYou points after spending $4,000 in the first 3 months.
- Complimentary fourth night at a hotel when a minimum of four consecutive nights is booked through ThankYou.com.
- Unlimited Priority Pass Select lounge access for the cardholder and up to two guests.
- No foreign transaction fees.
- High annual fee of $495.
- Annual travel credit of only $250.
- No lounge access for authorized users.
Comparison Table of Best Business Travel Credit Cards
|Credit Card||Sign-Up Bonus||Rewards Points||Annual Fee||Lounge Access|
|Chase Sapphire Reserve||60,000 rewards points||3X points on travel and dining purchases, 1X point on all other purchases||$550||Priority Pass Select|
|American Express Business Platinum Card||Up to 75,000 Membership Rewards points||5X points per dollar spent on flights and hotels booked through Amex Travel, 1X point per dollar spent on other purchases||$595||American Express Global Lounge Collection|
|Citi Prestige Card||50,000 ThankYou points||5X points per dollar spent on air travel and restaurants, 3X points per dollar spent on hotels and cruise lines, 1X point per dollar spent on other purchases||$495||Priority Pass Select|
Frequently Asked Questions
1. What is a business travel credit card?
A business travel credit card is a credit card designed for people who travel frequently for business. It offers rewards and perks that can help you save money on travel expenses and earn rewards for your spending.
2. What are the benefits of a business travel credit card?
The benefits of a business travel credit card may include travel rewards points, airline miles, cash-back rewards, hotel discounts, travel insurance, lounge access, and rental car insurance.
3. What should I look for when choosing a business travel credit card?
When choosing a business travel credit card, look for travel rewards programs that fit your travel habits, no foreign transaction fees, travel insurance, low annual fee, lounge access, rental car insurance, and flexible redemption options.
4. How can I redeem my rewards points?
You can redeem your rewards points for travel, cash back, merchandise, or gift cards. Different credit cards offer different redemption options, so make sure to check which options are available for your card.
5. Can I add authorized users to my business travel credit card?
Yes, you can add authorized users to some business travel credit cards. However, each card has its own rules regarding authorized users, so make sure to check with your credit card company before adding anyone.
6. Do I need good credit to get a business travel credit card?
Most business travel credit cards require good to excellent credit, so make sure to check your credit score before applying for one.
7. How can I maximize my rewards points?
You can maximize your rewards points by using your business travel credit card for all your business expenses, paying your balance in full each month, taking advantage of bonus rewards categories, and redeeming your points during promotional periods.
Choosing the best business travel credit card can be a game-changer for frequent business travelers. By earning travel rewards points, taking advantage of lounge access, and enjoying travel insurance benefits, you can save money and enjoy more comfortable travel experiences. Whether you choose the Chase Sapphire Reserve, American Express Business Platinum Card, or Citi Prestige Card, make sure to do your research and choose the card that best fits your travel habits and business needs.
So what are you waiting for? Apply for your business travel credit card today and start enjoying the benefits of smart travel spending.
Disclaimer: The information provided in this article is for informational purposes only and should not be construed as financial, legal, or tax advice. Please consult with a qualified professional for advice regarding your specific circumstances.
Thank you for reading, Sobat Hitunggaji. We hope this article has been helpful in your search for the best business travel credit cards. If you have any further questions or comments, please feel free to reach out to us. Safe travels!
For those looking to optimize their business travel, check out this American Express Business Travel article for tips.