Business Airline Credit Cards

Business credit cards are valuable to business owners who are looking for a line of credit that comes with some type of reward. The rewards can be used to purchase airline tickets, office supplies, fine dining, car rentals, hotel reservations and a host of other options. The majority of startups may not qualify for traditional loans, at least not on the business name, however business credit cards are easier to secure and more readily available. This is why more and more business owners resort to the use of business credit cards. Before you apply for your next card make sure to read and understand the fine print and have a decisive plan for managing this line of credit.

What is a business credit card?

Business credit cards represent the new era of credit for small and medium sized businesses. Using them business owners can meet business expenses and have a convenient way to keep track of money spent. As it stands right now 2/3 of all small businesses use some sort of credit card to meet business expenses and 42% of that group make use of business credit cards. This means that the other 58% are using personal credit cards to meet business expenses. This is never a good idea since it paves the way for tax and money management issues later on.

Since the rates and rewards vary from one business credit card to the other it is important to research and select the card which offers the lowest interest rates and best rewards for your business. If you do your homework you might be able to find a card with no annual fees or at least one that will waive the fee for the first year.

Is a business credit card right for you?

Business credit cards are perfect for business owners who are looking to reap some rewards for their businesses and therefore cut back on business expenses. They are also an ideal choice if other traditional lines of credit are not readily available.

If you want to keep your personal and business debt separate then business credit cards are the way to go. You will not only be able to separate your debt but also establish a credit rating for your business. These cards also make it easier to itemize business expenses since most credit card companies will divide your expenses into categories that you set up and send this list on your monthly statement. When the end of the year rolls around it will be that much easier to get your business expenses organized.

As valuable as these cards are for businesses they must be managed wisely in order to reap the great benefits. In order to avoid the high interest rates attached to business credit cards you need to limit your spending to an amount that you can afford to pay back at the end of the 20-30 day grace period.

Do not fall prey to the temptation to acquire multiple business credit cards since the more you have the more you will be tempted to spend. You can also reduce fees and interest charges by paying your balance on time and avoiding the use of the cash advance feature. Used wisely business credit cards are a great way to get rewards and have ready access to the funds that you need to build the business of your dreams.

The Business Platinum Card® from American Express OPEN

Intro APR: N/A	Intro Period: N/A	Regular APR: N/A	Annual Fee: $450.00


	For a limited time: Earn 25,000 Membership Rewards® points by spending $5,000 in the first 3 months Enroll and select an airline to receive up to $200 annually in statement credits for incidental fees such as checked bags, in-flight refreshments, and change fees.* 20% Travel Bonus when redeeming with Membership Rewards® Pay with Points Take advantage of 40 premium benefits and rewards, including 24/7 concierge service and dedicated business consultants Complimentary airport club access to 600+ partner lounges, a $950/yr value By Invitation Only: Receive exclusive access to events, ideal for entertaining clients or treating staff, worldwide that aren't available to the general public No pre-set spending limit*

Gold Delta SkyMiles® Business Credit Card from American Express OPEN

Intro APR: N/A	Intro Period: N/A	Regular APR: 15.24-19.24% (Variable)	Annual Fee: $0.00 1st year, then $95.00


	Earn 30,000 bonus miles toward Award Travel - when you spend $500 on the Card in the first three months from account opening Check your first bag free - for up to 8 people on your reservation - on every Delta flight Receive double miles on Delta purchases and 1 mile for all other eligible dollars spent Priority Boarding and 20% In-Flight Savings $0 intro annual fee for the first year, then $95 No annual fee for Additional Cards Save 3% to 10% automatically on business expenses from FedEx, Hertz®, OfficeMax®, and more with OPEN Savings®

The Business Gold Rewards Card® from American Express OPEN

Intro APR: N/A	Intro Period: N/A	Regular APR: N/A	Annual Fee: $0.00 1st year, then $175.00


	For a limited time: Earn 5X points on shipping and advertising for the first 3 months of Card membership. Earn points even faster to get more rewards for your business 3X points on airfare, 2X points on advertising, gas, and shipping, 1X points on everything else* One million rewards from over 500 brands 24/7 support for everything from identity theft to travel emergencies $0 introductory annual fee for the first year, then $175 Get unlimited Additional Gold Cards for an additional annual fee of $50 - and this fee is waived for the first year Terms & Restrictions Apply.

Starwood Preferred Guest® Business Credit Card from American Express OPEN

Intro APR: N/A	Intro Period: N/A	Regular APR: 15.24-19.24% (Variable)	Annual Fee: $0.00 1st year, then $65.00


	Earn up to 25,000 Starpoints®: Receive 10K after your first purchase, and another 15K when you spend $5,000 in 6 months-enough for up to 6 free nights at a Category 1 or 2 hotel Redeem Starpoints at over 1,000 hotels and resorts in nearly 100 countries, and for flights on more than 350 airlines through SPG Flights. No blackout dates. $0 introductory annual fee for the first year, then $65

Capital One® Spark^SM Miles for Business

Intro APR: N/A	Intro Period: N/A	Regular APR: 13.90% (Variable)	Annual Fee: $0.00 1st year, then $59.00


	Earn 2 miles per dollar on every purchase, every day Get 10,000 bonus miles - just spend $1,000 within the first 3 months Receive 5,000 bonus miles by signing up for one or more employee cards Enjoy exclusive, award-winning customer service $0 intro annual fee for the first year; $59 after that There's no limit to the amount of miles you can earn and miles don't expire Redeem miles for travel, cash back, gift cards, merchandise, and more Fly on any airline, anytime, with no blackout dates or seat restrictions

Capital One® Spark^SM Miles Select for Business

Intro APR: 0.00%	Intro Period: Until 11/2012 on purchases	Regular APR: 14.90-19.90% (Variable)	Annual Fee: $0.00


	Get a 50% bonus on the miles you earn every year Earn 1 mile per dollar on every purchase, every day Save with 0% intro APR until November 2012 Enjoy no annual fee Get online Quarterly and Year-End Summaries There's no limit to the amount of miles you can earn and miles don't expire Fly on any airline, anytime, with no blackout dates or seat restrictions

CitiBusiness® / AAdvantage® World MasterCard®

Intro APR: N/A	Intro Period: N/A	Regular APR: 15.24% (Variable)	Annual Fee: $0.00 1st year, then $95.00


	Designed for businesses with an established credit history Earn 30,000 American Airlines AAdvantage® bonus miles after $1,000 in purchases in the first 3 months of cardmembership* First eligible checked bag free for you and up to 4 traveling companions* Priority Boarding - Enjoy an enhanced boarding experience* Earn 2 AAdvantage® miles for every $1 you spend on eligible American Airlines purchases and on purchases at certain office supply, telecommunications and car rental merchants* Renew your annual cardmembership and earn a 5% AAdvantage mileage bonus upon eligible purchases made during the cardmembership year*

Compare other Airline Credit Cards

*Check with the online credit card application for further details about the terms and conditions for each card. Airline Miles Credit Cards has done everything possible to ensure that the information provided is up to date. Any changes made to these programs will be presented in the terms and conditions on the credit card issuer's website.