Business Credit Cards with Rewards

The best business credit cards for travel often have large initial bonuses and high rewards earning rates on travel purchases. Most also charge no foreign transaction fees, and some may even have no annual fee, too.

A lot depends on your unique preferences and needs. Perhaps you’re a big spender who wants the most benefits possible. Or, maybe you want to maximize your perks with a certain travel provider. Whatever type of business travel rewards card you’re after, you should be able to find a great deal. You can find some popular options below.

Best business credit cards for travel:

• Ink Business Preferred℠ Credit Card
• Capital One® Spark® Miles for Business
• Delta Reserve for Business Credit Card
• CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®
• Capital One® Spark® Miles Select for Business
• Marriott Bonvoy Business™ American Express® Card

Above all else, make sure you choose a business travel credit card that allows you to earn more benefits than you have to pay in fees. There’s no point in getting a card with a big bonus and a high annual fee if you won’t spend enough to earn the bonus.

The best Shell business credit card is the Shell Fleet Plus card because it has a $0 annual fee and works at 14,000 U.S. Shell and Jiffy Lube locations. Cardholders also get a rebate of up to 6 cents per gallon, depending on how much they spend each billing period.

If you want to use your card at the most places possible, the best Shell business card is the Shell Fleet Navigator card. Not only is it accepted at Shell and Jiffy Lube, but the fact that it’s a Mastercard means 95% of U.S. fueling stations will take it. You can also get rebates of up to 5 cents per gallon. Shell says this card may have “limited fees” but does not disclose them.

There’s also the plain old Shell Small Business card, with no annual fee, monthly fee or setup fee. You can only use it at Shell and Jiffy Lube. And the only rewards it provides are discounts at participating Jiffy Lube locations. But it does offer the ability to carry a balance between months, something that the other two cards do not.

Here are the Shell business credit cards:

• Shell Fleet Plus card: No annual fees, monthly fees or setup fees. Works at 14,000 U.S. Shell and Jiffy Lube locations. Rebate of up to 6 cents per gallon of gas purchased each billing cycle, depending on the amount spent. Discounts at participating Jiffy Lube locations. Must pay in full each billing cycle. Requires good credit (score of 700+).
• Shell Fleet Navigator card: Limited fees (not disclosed). Works at 95% of U.S. filling stations, wherever Mastercard is accepted, including 14,000 Shell and Jiffy Lube locations. Rebate of up to 5 cents per gallon of gas purchased each billing cycle, depending on the amount spent. Discounts at participating Jiffy Lube locations. Must pay in full each billing cycle. Requires fair credit (score of 640+).
• Shell Fleet Plus card: No annual fees, monthly fees or setup fees. Works at 14,000 U.S. Shell and Jiffy Lube locations. Discounts at participating Jiffy Lube locations. Can carry a balance between billing cycles. Requires good credit (score of 700+).

All three Shell business credit cards provide a few other types of benefits, too. For example, you can control how much your employees are able to spend on the account, and employee cards don’t cost extra. You’ll also get detailed reports on your gas-related spending, including your mileage, fuel prices, non-fuel purchases at the stations and more.

The Wells Fargo business card rewards program gives the choice of 1.5% cash back on all purchases or 1 point per $1 spent on all purchases (worth a little over 1 cent each). This choice applies to all three Wells Fargo business rewards cards: Business Platinum, Business Secured and Business Elite. Both the primary cardholder and authorized employees are eligible to earn rewards. Rewards are automatically credited to your account every quarter. If you choose the cash back option, you can redeem it as statement credit or bank deposit. If you choose points, they’re redeemable for travel, gift cards, merchandise, charitable donations and more. You get the highest value on points redeemed for travel and the least on merchandise. You must enroll in these rewards programs to take advantage of them, but doing so is free.

The best BB&T business rewards card is the BB&T Spectrum Travel Rewards card because it offers 20,000 bonus miles for spending $2,000 in the first 90 days. The Spectrum Travel Rewards card also gives 2 miles per $1 spent on air travel, hotels and car rentals. The card has a $45 annual fee, waived the first year.

The Spectrum Travel Rewards card is one of four BB&T business credit cards. Which is best for you will come down to whether you want cash back, travel rewards or a side of 0% financing. But you should have little difficulty finding one that fits.

Here are the best BB&T business rewards credit cards:

• Best for travel rewards: BB&T Spectrum Travel Rewards card. $0 annual fee for the first year, $45 after. 20,000 bonus miles for spending $2,000 in the first 90 days. 2 miles per $1 on air travel, hotels and car rentals and 1 on all other purchases. $0 foreign transaction fee. Good credit required.
• Best for cash back: BB&T Spectrum Cash Rewards card. $0 annual fee. 3% cash back on gas, 2% at restaurants and office supply stores and 1% on all other purchases. 0% APR for 9 months on purchases. 3% foreign transaction fee. Good credit required.
• Best for excellent credit: BB&T Visa Signature Business card. $0 annual fee. 6,500 bonus points for making a purchase in the first 90 days. 1 point per $1 spent on all purchases. 0% APR for 6 months on purchases and balance transfers (4% transfer fee). 3% foreign transaction fee.
• Best for new business financing: BB&T Bright for Business card. $0 annual fee. 0% APR for 12 months on purchases. 3% foreign transaction fee. Good credit required.

The best BB&T business rewards cards each offer something unique. But there are alternatives for business owners looking for longer 0% introductory APRs and more lucrative rewards.

The SimplyCash Plus Business card from Amex offers a 0% APR on purchases for 15 months. It also offers 5% cash back on office supply stores and wireless phone services, and 3% on purchases in one of eight spending categories, including advertising, dining and gas. The Capital One Spark Cash for Business card offers 2% cash back on all purchases and a $500 bonus for spending $4,500 in the first 3 months.

The best 2% cash back business credit card is Capital One Spark Cash for Business because it offers unlimited 2% cash back on all purchases and waives its $95 annual fee for the first year. It also offers a $500 cash bonus for spending $5,000 in the first 3 months and another $1,500 bonus for spending $50,000 in the first 6 months.

There aren’t any more business cards that offer 2% cash back on every purchase. But there are a few that offer 2% or more cash back on select purchases. For example, the Ink Business Cash credit card offers 2% cash back on the first $25,000 spent on combined gas station and restaurant purchases each year. It also gives 5% back on the first $25,000 spent on combined office supply, internet, cable and phone service purchases per year. And there’s unlimited 1% back on everything else.

Some cards offer 2% back in miles too. But you should choose a card based on more than whether it gives 2% back in rewards. Don’t forget about fees, rates, business benefits, etc.