Without a doubt, if you can get a business credit card, you will get more credit card points and miles for travel. When you first think about business credit cards, you may think that only thriving, “real” businesses can get a business credit card. Not so. The question, “can I get a business credit card?” is probably a more straightforward “yes!” than you would initially think. Listen to more on our podcast episode about business cards here.
Here are some of the reasons you will want to consider getting a business card if you are planning to be in the points and miles game for the long haul:
Yes, you can! You don’t need that huge business to get a business credit card. Here are some ideas for businesses that you might not have thought of that you could count as a business, and NOW is the time to start a new business.
We have a whole post on how to apply for a business credit card. I usually apply for an EIN (Employee Identification Number). It is free from the IRS and gives my business more credibility (in my mind, anyway). It takes 5 minutes to apply for, and you receive it immediately if you want to go that route.
You can also apply with your Social Security number as a sole proprietor. Many people go that route.
People often wonder about putting personal expenses on business cards, which we do all the time to meet minimum spend! It does say on the T&C to use them for business expenses only, so do what you feel comfortable with. We have had no issues in our experiences.
We have also had many readers who are accountants say that it is fine. I do keep my actual business expenses on a spreadsheet for tax purposes to help at tax time.
It will be no surprise to you that our favorite business credit cards earn Ultimate Rewards. We love the flexibility of this currency, so we are always trying to earn more. Without a doubt, the Chase Ink Business Cards are the ones I’d apply for first. Here are how you can use those points for flights or hotel stays.
People are always asking us how we get so many points/miles to use for all of our travels. Business credit cards are a huge reason that we have so many points/miles to use. If you are wanting to travel with a family, they can really increase your stockpile quickly. NOW is the time to apply for your first business card!
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Editorial Note: The editorial content on this site is not provided by credit card issuer. All opinions, reviews, and recommendations are expressed by the author, not the credit card issuer.