The Best Business Credit Card Rewards of 2018

As more and more Americans become savvy about their credit card usage, an all-out war on your business has ensued.  There are credit cards with some incredible benefits for both business owners and individuals.  Maximizing your usage can provide some incredible perks.  I recently finished up an analysis for my business and thought I would share what I found.  In addition, if you haven’t checked out The Points Guy yet.  I highly recommend the site.  They also provide tremendous value via travel and card reviews that are updated quite frequently.

Here is a rundown of the best Business Cards in 2018.

Each card image is linked directly to the application website if you would like to apply for that specific card. 

American Express Platinum Card

  • $450 annual fee for primary holder
  • $0 for additional Gold or Green Cards
  • $85 annual TSA Precheck is paid for
  • $200 airline credit for the primary holder on the airline of choice other than Southwest (baggage/drinks/etc)
  • Starwood, Marriott and Hilton Gold Status for 12 months then based on stays
  • Free GOGO and BOINGO internet access at airports
  • Extended warranty on items like flat screen TVs for your office
  • Use of any airport lounge via Priority Pass
  • Secondary Auto Rental Insurance (deductible and your own policy first)
  • Free Roadside Assistance
  • 5% cash back open savings on FedEx and other select merchants
  • 35% of points given back when using points
  • 1.5X when purchasing something for $5k or more
  • 1X points on any other purchase
  • No foreign transaction fees
    • Application Perks
      • sign-up bonus of 50,000 Membership Rewards points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 on qualifying purchases within your first three months of card membership
      • If you want your business points to be applied to each individual in the business you will need to call Platinum Customer Service at 800-964-8542 and make sure to add additional cards as “stand-alone cards.  This allows those holders to have points accrue to their own accounts but each card will have its own fee.

American Express Gold Card

  • $0 first year* and $175 annually for primary holder
  • $50 for first additional and $0 for other additional
  • Choose 1 category and you get 3X points on it up to $100k spend
  • Choose 4 of other categories and earn 2X points on it up to $100k spend
    • Airfare directly purchased with airline
    • Advertising (including social media, Google, CBS, ABC (any U.S. based advertiser)
    • Gas Stations
    • Shipping
    • Computer hardware/software/cloud computing
  • 1X points on anything else spent
  • No foreign transaction fees
  • Free Roadside Assistance
  • Sign up for G Suite by Google Cloud and get Gmail, Docs, Drive, and Calendar for business. Earn dollar-for-dollar statement credits for purchases of G Suite on your Card during your first 3 months of Card Membership up to $1,500 total.
    • Application Perks
      • Sign-up bonus of 50,000 Membership Rewards points after you spend $5,000 within your first three months of card membership
      • Fee waived for the first year ($175 value)
      • If you want your business points to be applied to each individual in the business you will need to call Customer Service at 800-327-2177 for Gold or Green for standalone cards.  This allows those holders to have points accrue to their own accounts..but each card will have its own fee.

Visa Southwest Premier Business

  • $99 annual fee, no fee for additional cards
  • The main benefit is companion pass.  Available in the year in which 110,000 points are achieved and entire following year.  Ideally, hit this at the beginning of a calendar year so you receive almost two years of the pass.
    • You’ll need to earn 110,000 qualifying points or take 100 qualifying one-way flights in a calendar year to earn a Companion Pass. As mentioned earlier, credit cards count toward that 110,000-point requirement. So, by signing up for two credit cards, you could come close — or even meet entirely — to reaching that amount.
            • Note that on more than one occasion, there have been 60,000-point bonuses on all three cards — most recently in early October 2017. When that sign-up bonus is around, you would automatically qualify for the Companion Pass just by meeting the minimum spending requirements.
  • 2X points on Southwest purchases and Rapid Rewards® Hotel and Car Rental Partner purchases.
  • 1X points on all other purchases
  • 6,000 points after your Cardmember Anniversary-which basically covers the cost of card if you fly enough
    • Application Perks
      • The card is now offering an increased sign-up bonus whereby you can earn 60,000 points after you spend $3,000 in the first three months of opening your account.

Visa Chase Ink Business Preferred

  • $95 Annual fee, no fee for additional cardholders
  • Cell Phone Protection for main cardholder and employees
    • Must have cell phone bill auto-paid by card, $600 per claim limit, $100 deductible
  • Earn 3X points on
    • Travel
    • Shipping
    • Internet/phone/cable
    • U.S. Online advertising up to $150,000 annually
  • 1X points on everything else
    • Points worth 25% more when redeemed for travel
  • No foreign transaction fees
  • Primary car rental insurance when renting for business purposes
  • Purchase Protection up to $10,000 for 120 days against damage or theft
  • Extends manufacturer’s warranty by one year
    • Application Perks
      • The card is offering a sign-up bonus of 80,000 bonus points when you spend $5,000 within first 3 months of opening the card.

Visa Chase Marriott Rewards Business

    • $99 annual fee, no fee for additional cardholders
    • 5X points for Marriott properties
    • 2X points at office supply stores or Internet/cable/phone services
    • 2X points at restaurants/car rental agencies/airline tickets purchased directly with the airline
    • 1X points on everything else
    • No foreign transaction fees
    • One free night stay annually at a Marriott property on the anniversary of the card
    • Purchase Protection
    • Extended Warranty
      • Application Perks 
        • The card is offering a sign-up bonus of 75,000 bonus points when you spend $3,000 in the first 3 months of opening the card.

If you are looking for more information or potential advice, feel free to reach out here.  If you don’t own a business, don’t fret.  Next, I will provide my review of the best personal credit cards!  Be on the lookout for it.

Disclaimer: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

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