How Small Business Owners Can Earn and Use Travel Rewards

Rachel Smith
By Rachel Smith 
Published
Edited by Mary M. Flory

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Whether you plan to travel a little or a lot for your small business, you can take advantage of several different ways to earn travel rewards through your growing company.

Here are a few ways every small business owner can start earning and redeeming travel rewards.

Plan for the minimum spend

If an expected, large purchase is needed for your business, it might be a good time to look into cards with enrollment bonuses. Spending requirements for business cards can be higher than for personal cards, but there are a few options that work for both.

For example, the Chase Sapphire Preferred® Card has the following welcome offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

And the welcome offer for the Ink Business Preferred® Credit Card is as follows: Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠..

Earn extra on business meals

Whether it’s lunch with a client, a bite to eat at the airport or meals during a conference, most small business owners will need to dine out for business purposes. Make sure that your travel credit card gets you bonus points for this.

The Hilton Honors American Express Surpass® Card offers 6X bonus points per $1 on eligible purchases at U.S. restaurants and supermarkets.

Autopay recurring business expenses

The easiest way to earn rewards points is to pay bills automatically with your credit card. You earn points without even thinking about them.

Consistent bills such as Wi-Fi or other tax-deductible office items are great for automatic recurring payments.

Decide if rewards are for work, play or both

As a small business owner, it is your decision to use your earned rewards for more business travel or bank the points for personal use. The Capital One Spark Miles for Business is a great option for business owners who don’t necessarily need to travel for business often but want travel rewards.

Or for those who want to combine the best of both worlds, take a "bleisure trip.”


How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024, including those best for:

Travel Cards from Our Partners
Chase Sapphire Preferred Credit Card

on Chase's website

Chase Sapphire Preferred® Card
5.0
NerdWallet Rating
Rewards rate

1x-5x

5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

Points

Intro offer

60,000

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

Points
Chase Freedom Unlimited Credit Card

on Chase's website

Chase Freedom Unlimited®
5.0
NerdWallet Rating
Rewards rate

1.5%-6.5%

Enjoy 6.5% cash back on travel purchased through Chase Travel; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

Cashback

Intro offer

$300

Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

Capital One Venture Rewards Credit Card

on Capital One's website

Capital One Venture Rewards Credit Card
4.7
NerdWallet Rating
Rewards rate

2x-5x

Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.

Miles

Intro offer

75,000

Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

Miles
See more travel cards
Get more smart money moves – straight to your inbox
Sign up and we’ll send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money.