How to Maximize Rewards From Your Business Purchases

As the saying goes, you need to spend money to make money. With that in mind, you may as well get a solid return on your business expenses in the form of airline miles, cash-back, hotel points, or transferable miles and points.

Depending on the type of business expenses you have, you may be able to rake in tons of travel points each month! You can use these miles, points, or cash-back to reinvest in your business — if your next company trip is booked using miles and points, you can use the cash you saved for other important aspects of your business.

In this article, we’ll show you different ways to earn miles and points on your business purchases. We’ll start with helping you pick the best business credit card (or 2), and then move into maximizing purchases with shopping portals and other money-saving promotions.

Let’s get started!

Earn Valuable Rewards With a Small Business Credit Card

Start by assessing your business credit card situation. There are 3 different types of cards you can use for business purchases:

• Cards earning transferable points
• Cards specific to a certain airline or hotel
• Cards that earn generic cash-back

Each of these has its merits, so we’ve outlined and defined them below and recommended top cards in each category. Use this information to guide your application decision when picking a credit card for your business.

Note that these credit cards generally require a credit score of good to excellent to be approved, even if they’re used for your business.

Hot Tip: Make sure to use your business credit cards wisely — they often have higher interest rates and can affect your personal credit report if you miss payments or otherwise misuse your credit.

Transferable Points Cards

Transferable points cards are generally issued by banks. The award points accrued by these cards can be transferred to various airline and hotel partners, or even be redeemed for credit toward paid flights or merchandise.

However, the best values are usually found when transferring points to airline partners to book international business class seats.

Right now, there are 2 major issuers of business transferable point credit cards: Chase and American Express.

Chase’s currency is called Chase Ultimate Rewards, and the points can be earned with a number of business credit cards:

Ink Business Preferred^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

Ink Business Preferred^® Credit Card

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

Welcome Offer

Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

90,000 points

UP's Offer Valuation*:

$1,800

Annual Fee

$95

APR

19.99% - 25.99% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The Ink Business Preferred^® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.

Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.

Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.

Pros & Cons

Pros

• 3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
• Cell phone protection
• Purchase protection

Cons

• No elite travel benefits like airport lounge access

Read Full Review

Card Highlights

• Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
• 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
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
• Points are worth more when you redeem for travel through Chase Travel℠
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
• Member FDIC

Financial Snapshot

• APR: 19.99% - 25.99% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

Ink Business Cash^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

Ink Business Cash^® Credit Card

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

Welcome Offer

Earn $900 when you spend $6,000 on purchases in the first three months after account opening.

$900

UP's Offer Valuation*:

$900

Annual Fee

$0

APR

0% intro APR on purchases for 12 months; 17.24% - 25.24% variable thereafter.

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The Ink Business Cash^® Credit Card has a lot going for it that makes it a compelling choice for small business owners. The card features a very lucrative 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.

When you factor in that the card has no annual fee, and 0% intro APR on purchases for 12 months; 17.24% - 25.24% variable thereafter. , you could be adding big value back into your business for no cost out of pocket.

Pros & Cons

Pros

• Earn 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year
• Earn 2% back on up to $25,000 spent in combined purchases at gas stations and restaurants, and 1% back on all other purchases
• Travel insurance and purchase protection

Cons

• Spending caps in bonus categories
• Low points earning outside of bonus categories

Read Full Review

Card Highlights

• Earn $900 when you spend $6,000 on purchases in the first three months after account opening
• Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
• Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards^®.
• 0% introductory APR for 12 months on purchases
• Member FDIC

Financial Snapshot

• APR: 0% intro APR on purchases for 12 months; 17.24% - 25.24% variable thereafter.
• Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

Chase Ultimate Rewards

Ink Business Unlimited^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

Ink Business Unlimited^® Credit Card

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

Welcome Offer

Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

$900

UP's Offer Valuation*:

$900

Annual Fee

$0

APR

0% intro APR on purchases for 12 months; variable 17.24% - 23.24% thereafter.

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.

If so, the Ink Business Unlimited^® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.

Don’t forget too, 0% intro APR on purchases for 12 months; variable 17.24% - 23.24% thereafter.

Pros & Cons

Pros

• 1.5% cash-back on all purchases
• No annual fee
• 0% intro APR on purchases for 12 months; variable 17.24% - 23.24% thereafter.

Cons

• 3% foreign transaction fee

Read Full Review

Card Highlights

• Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
• Earn unlimited 1.5% cash back on every purchase made for your business
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards^®.
• Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• 0% introductory APR for 12 months on purchases
• Member FDIC

Financial Snapshot

• APR: 0% intro APR on purchases for 12 months; variable 17.24% - 23.24% thereafter.
• Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

• Chase Ultimate Rewards

Ink Business Premier^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Earn up to 5% cash-back for your business without complex bonus earning categories!

Ink Business Premier^® Credit Card

Earn up to 5% cash-back for your business without complex bonus earning categories!

Welcome Offer

Earn $1,000 bonus cash-back after you spend $10,000 on purchases in the first 3 months from account opening.

$1,000

UP's Offer Valuation*:

$1,000

Annual Fee

$195

APR

Flex for Business Variable APR: 18.49% - 26.49%

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent (670-850)

Why We Like This Card

Chase has introduced the Ink Business Premier^® Credit Card to its business credit card lineup. With straightforward cash-back earnings on everyday purchases and large expenses, tools to help you monitor your business, and multiple ways to redeem your rewards, this is a great card option to consider.

Pros & Cons

Pros

• Earn 2.5% total cash-back on purchases of $5,000 or more
• Earn 2% cash-back on all other business purchases
• Unlimited 5% total cash-back on travel purchased through Chase Travel

Cons

• $195 annual fee
• Some purchases need to be paid in full each month and don’t qualify for Flex for Business APR

Read Full Review

Card Highlights

Financial Snapshot

• APR: Flex for Business Variable APR: 18.49% - 26.49%
• Foreign Transaction Fees: 

NEW OFFER

Terms Apply / Rates & Fees

Sapphire Reserve for Business℠

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Chase Sapphire Reserve for Business card is perfect for frequent traveler business owners who want premium perks.

Apply Now

Sapphire Reserve for Business℠

The Chase Sapphire Reserve for Business card is perfect for frequent traveler business owners who want premium perks.

Welcome Offer

Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.

200,000 points

UP's Offer Valuation*:

$4,000

Annual Fee

$795

APR

18.24% - 26.24% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Excellent

Why We Like This Card

The Chase Sapphire Reserve Business card is a great pick for business owners who can easily make use of the annual credits for travel, Google Workspace, ZipRecruiter, and more. Plus, it offers helpful bonus categories such as ad spend and offers access to over 1,300 airport lounges — including Chase Sapphire Lounges.

Pros & Cons

Pros

• 8x points on Chase Travel purchases
• 4x points on flights and hotels booked directly
• 3x points on advertising purchases made with social media sites and search engines (uncapped)

Cons

• $795 annual fee

Read Full Review

Card Highlights

• Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and with more than $2,500 in annual value, there's no competition.
• Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
• Earn 5x total points on Lyft rides through 9/30/27.
• Earn 4x points on flights & hotels booked direct.
• Earn 3x points on social media & search engine advertising.
• Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
• Enjoy complimentary access to the Chase Sapphire Lounge^® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
• Member FDIC

Financial Snapshot

• APR: 18.24% - 26.24% Variable
• Foreign Transaction Fees: None

These cards have different benefits and earn bonus points on specific categories like travel, office supply stores, telecommunications, and more.

Chase Ultimate Rewards can be transferred to many Chase airline and hotel partners, including some powerful transfer partners like United Airlines, Singapore Airlines, Hyatt, and Virgin Atlantic.

American Express offers a handful of small business credit cards. They have varying benefits like lounge access, bonus points on specific purchase categories, and even rebates on Global Entry and other travel expenses, take a look at our review of The Business Platinum Card^® from American Express to find out more about these benefits.

Like Chase, American Express has its own award currency, called Membership Rewards. These points can also be transferred to a number of different airline partners, like Avianca LifeMiles, Air France/KLM FlyingBlue, and British Airways.

ELEVATED WELCOME OFFER

Terms Apply / Rates & Fees

The Business Platinum Card^® from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Apply Now(at Amex's secure site)

The Business Platinum Card^® from American Express

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Welcome Offer

Earn 150,000 200,000 Membership Rewards^® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.

150,000 200,000 points

UP's Offer Valuation*:

Up to $4,400

Annual Fee

$895

APR

18.24% - 28.99% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The Business Platinum Card^® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.

When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,550 lounges, along with tons of annual credits, it’s easy to see why this card is a top option for frequent traveling business owners.

Pros & Cons

Pros

• Earn 5x Membership Rewards points per $1 on eligible travel purchases like flights, prepaid hotels, and prepaid short-term rentals booked through AmexTravel.com
• Access to over 1,550 worldwide airport lounges as part of the American Express Global Lounge Collection
• Earn 2x Membership Rewards points on eligible purchases in key business categories, as well as on purchases of $5,000 or more (on up to $2 million per calendar year)

Cons

• High annual fee of $895 (rates & fees)
• Airline fee credit does not cover airfare, only incidentals like checked bags

Read Full Review

Card Highlights

• Elevated Welcome Offer: Earn 200,000 Membership Rewards^® points after you spend $20,000 in eligible purchases on the Business Platinum Card^® within the first 3 months of Card Membership.
• The American Express Global Lounge Collection^® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
• See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
• New! Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts^® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card^®. The Hotel Collection requires a minimum two-night stay.
• No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
• Make the Business Platinum Card^® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
• Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
• Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR^® Plus Membership (subject to auto-renewal).
• Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
• New! Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
• New! Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
• Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
• Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
• Enhanced! 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
• 5X points on flights and prepaid hotels on AmexTravel.com
• 1X points on other eligible purchases
• $895 Annual Fee.
• Terms Apply.

Financial Snapshot

• APR: 18.24% - 28.99% Variable
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

ELEVATED OFFER

Terms Apply / Rates & Fees

American Express^® Business Gold Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

Apply Now(at Amex's secure site)

American Express^® Business Gold Card

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

Welcome Offer

Earn 100,000 Membership Rewards^® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.

100,000 points

UP's Offer Valuation*:

Up to $2,200

Annual Fee

$375

APR

18.24% - 28.99% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The American Express^® Business Gold Card is excellent at racking up rewards for your business spend.

The card earns a whopping 4x points per $1 in the 2 categories (from a list of 6) that your business spends the most money on each month. With no need to opt-in or preselect your categories, so you can focus on what matters most — running your business.

Pros & Cons

Pros

• 4x points per dollar spent on your 2 highest purchase categories each month up to $150,000 each calendar year in purchases; categories include:
  • Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
  • U.S. purchases made from electronic goods retailers and software & cloud system providers
  • Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants, including takeout and delivery
  • Purchases at U.S. media providers for advertising in select media (online such as Google Ads, Facebook Ads, plus TV and radio)
• 3x points per dollar on flights and prepaid hotels booked on amextravel.com using your Business Gold Card
• Access to Amex’s The Hotel Collection

Cons

• $375 annual fee (rates and fees)
• No elite travel benefits like airport lounge access or elite status

Read Full Review

Card Highlights

• Welcome Offer: Earn 100,000 Membership Rewards^® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
• Earn 4X Membership Rewards^® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
• Earn 3X Membership Rewards^® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
• Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.*
• Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
• The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
• *Terms Apply

Financial Snapshot

• APR: 18.24% - 28.99% Variable
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Terms Apply / Rates & Fees

The Blue Business^® Plus Credit Card from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

Apply Now(at Amex's secure site)

The Blue Business^® Plus Credit Card from American Express

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

Welcome Offer

Earn 15,000 Membership Rewards^® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.

15,000 points

UP's Offer Valuation*:

Up to $330

Annual Fee

No annual fee

APR

17.24% - 27.24% Variable,0% on purchases for 12 months from date of account opening

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

As a business owner, getting a credit card that maximizes each dollar you spend does not have to be complicated or expensive. Especially when you opt for The Blue Business^® Plus Credit Card from American Express.

With the Amex Blue Business Plus card, you’ll earn 2x Membership Rewards points on everyday business purchases throughout the year (up to $50,000; 1x thereafter) and receive purchase protections and no-additional-charge employee cards all for no annual fee (see rates and fees).

The simple and straightforward earning structure makes it a great fit for those looking to earn flexible rewards, without having to fixate on which purchases earn the most points.

Let’s take look at all that the Amex Blue Business Plus card has to offer.

Pros & Cons

Pros

• 2x Membership Rewards points per $1 on everyday business purchases (up to $50,000; 1x thereafter)
• Purchase protection and extended warranty protection
• No annual fee and employee cards at no additional cost

Cons

• No unique bonus categories and 2x earnings are capped at $50,000 in annual spend
• No elite travel benefits like lounge access or elite status

Read Full Review

Card Highlights

• Earn 15,000 Membership Rewards^® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
• 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.24% - 27.24%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
• Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
• You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
• No Annual Fee
• Terms Apply.

Financial Snapshot

• APR: 17.24% - 27.24% Variable,0% on purchases for 12 months from date of account opening
• Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Rewards Center

American Express Membership Rewards

Why Do We Like Transferable Points Cards?

At Upgraded Points, we’ve always been partial to transferable points cards, and we recommend using a transferable points credit card for your business purchases.

Our reasoning behind this is simple: with transferable points cards, you’re not tied to one specific airline or hotel loyalty program. Instead, you have the freedom to transfer to a number of different airlines, giving you maximum flexibility and protecting you from devaluations.

Hot Tip: In addition, cards from American Express and Chase often have some of the best welcome bonuses. Check our card review pages for the current offers!

Airline-Specific Rewards

Alternatively, you can choose a co-branded small business card from an airline or hotel loyalty program of your choice. Nearly all major U.S. airlines and hotel chains have a small business co-branded card, so shop around and see which is best for your travel and spending habits.

These cards often have specific benefits for the airline or hotel chain that issues the card. For example, you may get free status, checked bags, upgraded boarding, or other benefits just by holding the small business credit card.

Unlike transferable points cards, your points usually cannot be transferred out of the loyalty program you’re earning with. This means you’ll be subject to devaluations and have limited flexibility in how you redeem your points.

Cash-Back Rewards

Finally, you can also use a cash-back rewards small business credit card to get no-frills cash-back on your purchases. These rewards are usually awarded in the form of a statement credit or a bank transfer, and the amount of cash-back you’ll earn depends on the card you have.

We’ve found that cash-back cards are best for business owners who don’t travel often and prefer to earn simple cash-back on their purchases instead of points.

Hot Tip: With a cash-back card, you might not get as great of a value for your rewards compared to a transferable points card, because you won’t have the opportunity to maximize points for high-cost award tickets.

Use Shopping Portals to Maximize Your Points Return on Purchases

Shopping portals are an easy way to earn extra points on business purchases. Just sign up for a portal, find your merchant of choice, and click through the link on the portal’s site before you make a purchase to earn extra points or cash-back.

The number of points you’ll earn on purchases depends on the vendor, the amount of money you spend, and shopping portal you use. Further, the earning rate per dollar fluctuates frequently by merchant, so use a website like CashBackMonitor to keep track of earning rates across all merchants and portals.

Most major airlines have shopping portals where you can earn extra airline miles on your purchases. Additionally, there are a number of cash-back portals that will give you a percentage of your purchases back in the form of a check or bank transfer.

Note that these points are earned in addition to your credit card points. Stack a shopping portal with your favorite small business credit card, and you’ll earn some serious points on your purchases — especially on big-ticket items like computers and cell phones.

Use Amex Offers to Earn Cash-Back on Some Purchases

American Express has special offers called Amex Offers for its personal and small business cardholders. These special offers give you cash-back or extra Membership Rewards points when you spend a set amount of money at a specific vendor.

Amex Offers vary by cardholder, so you may not get the same offers as someone else. You can view your available Amex Offers by logging into your American Express account, loading your small business card, and scrolling down past your recent transactions.

Note that you have to manually add each Amex Offer to your account. When scrolling through your Amex Offers, just click the “Add To Card” button to the right of the offer.

If you’re adding offers on the “View All” page, simply click on the “+” button next to each offer.

The bonus Membership Rewards points or cash-back will be automatically credited to your account after you make a qualifying purchase. These offers rotate regularly, so keep an eye out for offers you can use!

Hot Tip: If you are a Chase credit cardholder, check out Chase Offers for additional discounts on your purchases.

Enroll in VisaSavingsEdge

VisaSavingsEdge is a Visa-run cash-back program for small business owners. Just sign up for a VisaSavingsEdge account and link your small business Visa cards to earn extra cash-back on select purchases.

You can view a complete list of participating vendors on the VisaSavingsEdge website, but some of the most useful include Bing Ads, Mail Chimp, and HostGator. Like shopping portals, the amount of cash-back you’ll earn depends on the merchant and how much you spend.

Use Dosh for Bonus Cash-Back at Participating Stores

Dosh is a cash-back app for in-store purchases. Just download the app, link your favorite credit cards, and you’ll be on your way to earning cash-back at participating merchants.

You can view a complete list of participating vendors in the Dosh app. We’ve found that most of the included stores are restaurants, but Staples and other office supply stores can also be found in the app.

As you’d expect, the amount of cash-back you’ll earn depends on the merchant and may fluctuate. Cash-back is earned in addition to your credit card rewards, and you can cash out your Dosh earnings via PayPal once you have $25 in your Dosh account.

Enroll in Dining Rewards to Earn Points on Business Meals

Most major airlines and some hotel chains have dining rewards programs, which are like shopping portals for eating out: spend money at a participating restaurant, and you’ll earn extra points (in addition to the points you already earn with your credit card).

Most dining rewards programs have 3 tiers of membership, and members with higher status will earn more points on their dining purchases:

• Basic members: Sign up but don’t opt in for email updates
• Online members: Sign up and opt-in for email updates
• VIP members: Sign up, opt-in for email updates, and use the dining rewards portal more than a certain number of times

Using a dining portal is simple: just sign up for an account, link your credit cards, and dine at a participating restaurant.

Hot Tip: With dining rewards, you’ll earn points based on your membership tier and how much you spend at the restaurant — so you can rack up some serious points on business dinners and catering purchases!

Use MileagePlus X for Extra Points on Select Purchases

MileagePlus X is United’s mobile app you can use to earn extra miles on your day-to-day business (and personal) purchases.

Just download the app and find a participating vendor you want to make a purchase from. Then, you can use a credit card linked to your United account to purchase a gift card to the merchant. The number of points you’ll earn per dollar spent varies based on the merchant and may fluctuate from time to time.

Hot Tip: Cardmembers who have a co-branded United Airlines card will earn a 25% bonus on all MileagePlus X purchases — even if you use a different card to actually make the purchase!

In our research, we’ve found that category bonuses will apply to MileagePlus X purchases made with a Chase credit card. So for example, if you use your Ink Business Preferred Credit Card to buy a travel gift card, you’ll still earn 3 points per dollar spent (since this card earns 3x points on travel).

Keep in mind that this may vary from card to card, so try a test purchase before making a large purchase if you’re counting on bonus points.

Final Thoughts

In this article, you learned several ways to maximize points and cash-back on your business purchases. With these methods, you’ll be on your way to earning valuable points and cash-back on money you need to spend for your business anyway.

We recommend starting by picking a solid credit card for your business, and then moving on to the other methods on this list. Before you know it, you’ll have extra points you can use to subsidize business travel — or take a much-needed vacation!