Business Credit Card Benefits: Boosting Your Business Finances in 2024

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"%3Cscript%20src%3D%22https%3A%2F%2Fwww.googletagmanager.com%2Fgtm.js%3Fid%3DGTM-MP6F46L%22%20data-consent%3D%22ANALYTICS%22%20data-track-load%3D%22gtm%22%3E%3C%2Fscript%3E" });</script> <script type="application/ld+json"> {"@context":"http://schema.org","@type":"Article","mainEntityOfPage":{"@type":"WebPage","@id":"https://www.businessinsider.com/personal-finance/credit-cards/business-credit-card-benefits-advantages"},"editor":{"@type":"Person","name":"Sarah Silbert"},"author":[{"@type":"Person","name":"Katherine Fan","sameAs":"https://www.businessinsider.com/author/katherine-fan"},{"@type":"Person","name":"Tessa Campbell","sameAs":"https://www.businessinsider.com/author/tessa-campbell"}],"publisher":{"@context":"http://schema.org","@type":"Organization","name":"Business Insider","legalName":"Insider Inc.","foundingDate":"2007","url":"www.businessinsider.com","sameAs":["https://www.instagram.com/businessinsider","https://www.twitter.com/businessinsider","https://www.facebook.com/businessinsider","https://www.linkedin.com/company/businessinsider","https://www.youtube.com/@BusinessInsider"],"founder":{"@type":"Person","name":"Henry Blodget"},"logo":{"@type":"ImageObject","url":"https://www.businessinsider.com/public/assets/logos/structured-data.png"}},"headline":"Business Credit Card Benefits: Boosting Your Business Finances in 2024","alternativeHeadline":"Business Credit Card Benefits and Advantages: How to Choose The Right Business Card For Your Needs in 2024","image":{"@type":"ImageObject","url":"https://i.insider.com/5e582898fee23d25ee59e4b3?width=1200&format=jpeg","width":1200,"height":900},"name":"Business Credit Card Benefits and Advantages: How to Choose The Right Business Card For Your Needs in 2024","datePublished":"2024-10-07T17:38:48Z","dateModified":"2024-11-20T19:06:55Z","description":"Learn how business credit cards can enhance your company financial health with myriad benefits, from streamlined expense tracking to valuable rewards.","keywords":"","articleBody":"Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews.The information for the following product(s) has been collected independently by Business Insider: CitiBusiness® / AAdvantage® Platinum Select® World Elite Mastercard®. The details for these products have not been reviewed or provided by the issuer.If you earn money from anything other than your day job, a business credit card can help you separate your personal and professional finances.Using a business credit card helps you keep personal and work expenses separate — an absolute must for clean accounting on both sides. Responsible use of your business credit card can even help improve your personal credit score over time.Even without your own formal small business, you might still qualify for a small business credit card — and you might want to do so for a number of reasons.Here's what you should know about how and when to consider getting one.The best business credit cards offer many benefits in common with personal credit cards such as attractive welcome bonus offers, extended purchase protection, and travel insurance. In the case of airline credit cards and hotel credit cards, business cards can also come with day-of-travel perks such as free checked bags and anniversary award nights.Business cards often offer many additional perks that personal credit cards do not. For example, many business credit cards come with financial management and expense tracking tools for anyone who handles your company finances, simplifying expense reporting and other tedious tasks.Business credit cards also offer access to business credit lines, enhancing cash flow management and providing flexible credit options for businesses. Building out your business credit profile with a business credit card can help you pursue a larger business loan down the road or secure a better interest rate.There are a lot of great business rewards cards available on the market. So if you've been thinking about applying for one, now might just be the right time. Before you do, though, here are several benefits you should look for in any business credit card you apply for.One of the best reasons to apply for a business credit card is that they often offer introductory bonuses that are as good as, or even better than, their personal counterparts.For example, the Chase Sapphire Preferred® Card, with a $95 annual fee, is currently offering new cardholders 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. On the other hand, the Ink Business Preferred® Credit Card is offering new cardholders 90,000 bonus points after spending $8,000 on purchases in the first three months from account opening, and it has a $95 annual fee. So you could potentially earn more bonus points, if you're able to meet the spending requirement, by applying for the business card.The Hilton Honors American Express Surpass® Card has a $150 annual fee and its welcome bonus offer is 165,000 Hilton Honors bonus points after you spend $3,000 in purchases on the card in your first six months of card membership (offer ends 1/8/25). With a $195 annual fee, The Hilton Honors American Express Business Card is currently offering a welcome bonus of 175,000 Hilton Honors bonus points after you spend $8,000 in purchases on the card within the first six months of card membership (offer ends 1/8/2025). Like personal rewards credit cards, many business credit cards earn bonus points on particular purchase categories. No matter which business credit card you apply for, you should make sure it earns bonus points or miles where you actually spend the most money. Some business cards even offer a certain amount of flexibility when it comes to maximizing your purchase activity.For example, the American Express® Business Gold Card earns an excellent 4 Amex Membership Rewards points per dollar on up to $150,000 in combined purchases per year on the two categories where you spend the most each month from a prescribed list of possibilities. So even if your buying habits vary from month to month, you can still take advantage of the card's bonus earning.Since many small businesses tend to make large one-time purchases, some business credit cards also offer bonus points or miles on big buys as well. For example, the Delta SkyMiles® Platinum Business American Express Card earns 3 miles per dollar on eligible direct Delta and hotel purchases, but also 1.5 miles per dollar on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more, on up to $100,000 per calendar year.Many of the best travel cards — both business and personal — offer perks that make the travel experience itself that much better. These can include things like free checked bags and priority boarding, like many of the best airline credit cards do, or automatic elite status and free anniversary nights, like those offered by many of the best hotel credit cards.For example, the CitiBusiness® / AAdvantage® Platinum Select® World Elite Mastercard® \n includes a free checked bag for cardholders and up to four companions on the same reservation plus preferred boarding. The Marriott Bonvoy Brilliant® American Express® Card confers automatic Marriott Bonvoy Platinum elite status with perks like bonus points on stays and late checkout, plus an annual free night redeemable at properties that cost up to 85,000 points.Aside from privileges with a particular airline or hotel chain, if you spend a lot of time passing through airports, you should consider a business credit card that comes with a statement credit of up to $120 to refund the application fee for Global Entry or TSA PreCheck®, like the Southwest® Rapid Rewards® Performance Business Credit Card.You might also want a card that gets you into airline lounges, like The Business Platinum Card® from American Express, which includes free Priority Pass airport lounge access at over 1,300 lounges around the world**, plus entry to Amex's own Centurion lounges — and Delta Sky Clubs when you're traveling on Delta.If you're a frequent traveler and use your business credit card for work trips, you need to think about whether it offers adequate coverage in case things go wrong while you're on the road. Take a look at your card's benefits and make sure it extends protection for things like trip interruption, cancellation, and delays, as well as lost luggage and primary rental car insurance.One card that offers exceptional travel coverage is the Ink Business Preferred® Credit Card. For example, if your flight is delayed by at least 12 hours (or your delay requires an overnight stay), you can be covered up to $500 for reasonable expenses such as lodging, transportation, food, etc.The Business Platinum Card® from American Express extends trip cancellation insurance up to $10,000 per trip and $20,000 per 12-month period as well as trip delay insurance that kicks in at six hours and is good for up to $500 per trip in case you need to spend money on things like accommodations or meals.Many small business owners need a business credit card specifically to make large purchases — such as for equipment or supplies — for work. If that's your situation, it is imperative to use a credit card that offers sufficient purchase protection in case something goes wrong with the things you buy.For example, Chase's purchase protection on the Ink Business Unlimited® Credit Card and the Ink Business Cash® Credit Card will both cover you against damage or theft on eligible items up to 120 days after you make a purchase with caps of $10,000 per claim and $50,000 per account.Certain American Express cards offer similar coverage, such as the Delta SkyMiles® Reserve Business American Express Card which offers purchase protection on eligible claims of up to $10,000 each and $50,000 per account per calendar year. Using a card with purchase protection like this can literally save you thousands of dollars if something goes wrong with a laptop you purchased for work, or an expensive monitor or TV. As a side note, some credit cards offer cell phone protection (usually subject to a deductible) against damage or theft, including the Ink Business Preferred® Credit Card.There are plenty of great reasons to apply for a business credit card, and there are also some key benefits you should look for in any business credit card you are thinking of getting. The key to maximizing any business credit card you carry is to choose one with a great welcome offer that earns generous rewards across your top categories of spend and also saves you time and money through various travel and purchase protections. And remember: A business credit card affects your personal credit — for better or worse.Business credit cards offer detailed expense tracking and reporting tools that simplify managing company finances and can help in budgeting and tax preparation by keeping business expenses separate from personal expenditures.Yes, responsible use of a business credit card, such as making timely payments and maintaining a low credit utilization ratio, can help build and improve your company's credit rating.Typical rewards combine one or more of the following categories including cash back, points for travel, hotel stays, or merchandise, or exclusive discounts with partner companies.As with any form of credit, the risks of using a business credit card include racking up debt if you don't pay your monthly statements in full, and possibly damaging your credit score if you miss payments or pay them late.When choosing a business credit card, consider your individual business needs such as cash flow management, travel expenses, or inventory purchasing. Look for cards with reward programs that match your spending patterns, low interest rates, and beneficial terms and fees.","articleSection":"Personal Finance, Credit Cards, Small Business","isAccessibleForFree":true,"hasPart":[{"@type":"WebPageElement","isAccessibleForFree":true,"cssSelector":".content-lock-content"}]} </script> <script type="application/ld+json"> {"@context":"http://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"item":{"@id":"https://www.businessinsider.com/personal-finance","name":"Personal Finance"}},{"@type":"ListItem","position":2,"item":{"@id":"https://www.businessinsider.com/personal-finance/credit-cards","name":"Credit Cards"}},{"@type":"ListItem","position":3,"item":{"@id":"https://www.businessinsider.com/personal-finance/credit-cards/business-credit-card-benefits-advantages","name":"Business Credit Card Benefits and Advantages: How to Choose The Right Business Card For Your Needs in 2024"}}]} </script> 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role="main" > <section id="l-content" class="is-right-rail content-with-sticky-toc" data-track-page-area="Post" data-post-content > <section class="row"> <div class="col-12"> <article class=""> <section class="post-headline-wrapper " id="post-headline" > <div class="post-meta"> <span class="post-breadcrumbs headline-regular "> <a href="/personal-finance" class="" data-track-click="{"product_field":"Personal Finance","element_name":"breadcrumbs","event":"navigation"}" > Personal Finance </a> <svg class="svg-icon chevron-icon post-breadcrumbs-chevron rotate270" data-chevron-icon role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon" > <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#0a0a0a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"/> </svg> <a href="/personal-finance/credit-cards" class="" data-track-click="{"product_field":"Credit Cards","element_name":"breadcrumbs","event":"navigation"}" > Credit Cards </a> </span> </div> <h1 class="post-headline ">Business Credit Card Benefits and Advantages: How to Choose The Right Business Card For Your Needs in 2024</h1> </section> <section class="byline-wrapper byline-wrapper-helpfulness "> <div class="byline " data-e2e-name="byline" > <div class="byline-content" data-e2e-name="byline-content" > <div class="byline-row"> <div class="byline-author-container"> <div class="byline-author headline-regular"> <span class="headline-regular">Written by</span> <span class="" data-e2e-name="Katherine Fan" > <a class="byline-link byline-author-name" data-e2e-name="byline-author-name" href="https://www.businessinsider.com/author/katherine-fan" >Katherine Fan</a></span> and <span class="" data-e2e-name="Tessa Campbell" > <a class="byline-link byline-author-name" data-e2e-name="byline-author-name" href="https://www.businessinsider.com/author/tessa-campbell" >Tessa Campbell</a><span class="headline-regular">;</span></span> <span class="headline-regular">edited by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/sarah-silbert" >Sarah Silbert</a> </div> <time class="byline-timestamp headline-regular js-date-format" data-timestamp="2024-10-07T17:38:48Z" data-e2e-name="byline-timestamp" data-disable-relative-formatting > 2024-10-07T17:38:48Z </time> </div> </div> </div> </div> <section class="sharebar " data-component-type="share" data-location=""> <div class="share-button-dropdown-wrapper"> <button class="share-button sharebar-link headline-regular"><svg class="svg-icon share-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 12 12"> <defs/> <title>Share icon</title> <desc>An curved arrow pointing right.</desc> <path fill-rule="evenodd" d="M7.336 8.014l4.2-3.5-4.2-3.5v2.8h-2.54c-1.948 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class="sticky-toc-arrow"><svg class="svg-icon chevron-icon " data-chevron-icon role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon" > <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"/> </svg></span> </div> <menu class="sticky-toc-dropdown helpfulness-mobile-toc"> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#boost-business-credit-profile" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Boost business credit profile </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#business-credit-card-rewards" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Business credit card rewards </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#bonus-earning-categories" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Bonus earning categories </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#day-of-travel-benefits" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Day-of-travel benefits </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#travel-coverage" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Travel coverage </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#purchase-protection" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Purchase protection </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#business-credit-card-frequently-asked-questions" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Business credit card frequently asked questions </a> </li> </menu> </div> </nav> <div class="sticky-toc-aside-wrapper"> <ul class="sticky-toc-aside js-sticky-toc-aside" data-component-type="sticky-toc"> <li> <a href="#boost-business-credit-profile" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Boost business credit profile </a> </li> <li> <a href="#business-credit-card-rewards" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Business credit card rewards </a> </li> <li> <a href="#bonus-earning-categories" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Bonus earning categories </a> </li> <li> <a href="#day-of-travel-benefits" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Day-of-travel benefits </a> </li> <li> <a href="#travel-coverage" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Travel coverage </a> </li> <li> <a href="#purchase-protection" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Purchase protection </a> </li> <li> <a href="#business-credit-card-frequently-asked-questions" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Business credit card frequently asked questions </a> </li> </ul> </div> <div> <section class="post-content typography with-sticky-toc-aside pfi-post" data-track-content="" data-post-type="post" > <div id="piano-inline-content-wrapper" data-piano-inline-content-wrapper data-user-status="anonymous" > <div data-component-type="content-lock" data-load-strategy="exclude"> <div class="content-lock-content"> <p class="headline-regular financial-disclaimer">Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our <a href="https://www.businessinsider.com/personal-finance/our-partners" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">advertiser disclosure with our list of partners</a> for more details). However, our opinions are our own. See <a href="https://www.businessinsider.com/personal-finance/credit-cards/how-we-rate-credit-cards" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">how we rate credit cards to write unbiased product reviews</a>.</p><p class="headline-regular financial-disclaimer non-affiliate-disclosure">The information for the following product(s) has been collected independently by Business Insider: CitiBusiness® / AAdvantage® Platinum Select® World Elite Mastercard®. The details for these products have not been reviewed or provided by the issuer.</p><p></p> <div class="table-of-contents table-of-contents-sticky" data-analytics-module="jump-to" data-type="custom"></div><ul class="summary-list"> <li>Consider getting a business credit card if you own a company or work freelance jobs and side gigs.</li> <li>Compare sign-up offers, bonus rewards, and purchase protection when evaluating business credit cards.</li> <li>Read Business Insider's guide to the <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-small-business-credit-card" data-analytics-product-module="summary_bullets" rel="">best small business credit cards</a> for more in-depth information.</li> </ul><h2>What makes business credit cards unique</h2><p>If you earn money from anything other than your day job, a business credit card can help you separate your personal and professional finances.</p><p>Using a business credit card helps you keep personal and work expenses separate — an absolute must for clean accounting on both sides. Responsible use of your business credit card can even help improve your personal credit score over time.</p><p>Even without your own formal small business, you might still <a href="https://www.businessinsider.com/personal-finance/credit-cards/who-can-qualify-for-small-business-credit-card" data-analytics-product-module="body_link" rel="">qualify for a small business credit card</a> — and you might want to do so for a number of reasons.</p><p>Here's what you should know about how and when to consider getting one.</p><h2>Business credit cards and their importance for small business owners</h2><p>The <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-small-business-credit-card" data-analytics-product-module="body_link" rel="">best business credit cards</a> offer many benefits in common with personal credit cards such as attractive welcome bonus offers, extended purchase protection, and travel insurance. In the case of airline credit cards and hotel credit cards, business cards can also come with day-of-travel perks such as free checked bags and anniversary award nights.</p><h3>Financial management and expense tracking</h3><p>Business cards often offer many additional perks that personal credit cards do not. For example, many business credit cards come with financial management and expense tracking tools for anyone who handles your company finances, simplifying expense reporting and other tedious tasks.</p><h3 data-toc-label="Boost business credit profile" id="boost-business-credit-profile" class="toc-anchor">Build a strong business credit profile</h3><p>Business credit cards also offer access to business credit lines, enhancing cash flow management and providing flexible credit options for businesses. Building out your business credit profile with a business credit card can help you pursue a larger business loan down the road or secure a better interest rate.</p><h2 data-pm-slice="1 1 ["list",{},"list_item",{"indent":1,"type":"numbered"}]" data-toc-label="Business credit card rewards" id="business-credit-card-rewards" class="toc-anchor">Benefits of business credit card rewards for businesses</h2><p>There are a lot of great <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-rewards-business-cards" data-analytics-product-module="body_link" rel="">business rewards cards</a> available on the market. So if you've been thinking about applying for one, now might just be the right time. Before you do, though, here are several benefits you should look for in any business credit card you apply for.</p><h3>Generous sign-up bonus (welcome offer)</h3><p>One of the best reasons to apply for a business credit card is that they often offer introductory bonuses that are as good as, or even better than, their personal counterparts.</p><p>For example, the <a href="https://www.businessinsider.com/personal-finance/credit-cards/chase-sapphire-preferred-card-review" data-analytics-product-module="body_link" rel="">Chase Sapphire Preferred® Card</a>, with a $95 annual fee,  is currently offering new cardholders 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. On the other hand, the <a href="https://www.businessinsider.com/personal-finance/credit-cards/chase-ink-business-preferred-card-review" data-analytics-product-module="body_link" rel="">Ink Business Preferred® Credit Card</a> is offering new cardholders 90,000 bonus points after spending $8,000 on purchases in the first three months from account opening, and it has a $95 annual fee. So you could potentially earn more bonus points, if you're able to meet the spending requirement, by applying for the business card.</p><p>The <a href="https://www.businessinsider.com/personal-finance/credit-cards/hilton-honors-american-express-surpass-card-review" data-analytics-product-module="body_link" rel="">Hilton Honors American Express Surpass® Card</a> has a $150 annual fee and its welcome bonus offer is 165,000 Hilton Honors bonus points after you spend $3,000 in purchases on the card in your first six months of card membership (offer ends 1/8/25). With a $195 annual fee, <a href="https://www.businessinsider.com/personal-finance/credit-cards/amex-hilton-honors-business-card-review" data-analytics-product-module="body_link" rel="">The Hilton Honors American Express Business Card</a> is currently offering a welcome bonus of 175,000 Hilton Honors bonus points after you spend $8,000 in purchases on the card within the first six months of card membership (offer ends 1/8/2025). </p><h3 data-toc-label="Bonus earning categories" id="bonus-earning-categories" class="toc-anchor">Bonus earning categories</h3><p>Like personal rewards credit cards, many business credit cards earn bonus points on particular purchase categories. No matter which business credit card you apply for, you should make sure it earns bonus points or miles where you actually spend the most money. Some business cards even offer a certain amount of flexibility when it comes to maximizing your purchase activity.</p><p>For example, the <a href="https://www.businessinsider.com/personal-finance/credit-cards/amex-business-gold-card-review" data-analytics-product-module="body_link" rel="">American Express® Business Gold Card</a> earns an excellent 4 <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-ways-to-earn-use-amex-points" data-analytics-product-module="body_link" rel="">Amex Membership Rewards points</a> per dollar on up to $150,000 in combined purchases per year on the two categories where you spend the most each month from a prescribed list of possibilities. So even if your buying habits vary from month to month, you can still take advantage of the card's bonus earning.</p><p>Since many small businesses tend to make large one-time purchases, some business credit cards also offer bonus points or miles on big buys as well. For example, the <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-delta-credit-cards" data-analytics-product-module="body_link" rel="">Delta SkyMiles® Platinum Business American Express Card</a> earns 3 miles per dollar on eligible direct Delta and hotel purchases, but also 1.5 miles per dollar on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more, on up to $100,000 per calendar year.</p><h3 data-toc-label="Day-of-travel benefits" id="day-of-travel-benefits" class="toc-anchor">Day-of-travel benefits</h3><p>Many of the <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-travel-rewards-credit-cards" data-analytics-product-module="body_link" rel="">best travel cards</a> — both business and personal — offer perks that make the travel experience itself that much better. These can include things like free checked bags and priority boarding, like many of the <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-airline-credit-cards" data-analytics-product-module="body_link" rel="">best airline credit cards</a> do, or automatic elite status and free anniversary nights, like those offered by many of the <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-hotel-credit-cards" data-analytics-product-module="body_link" rel="">best hotel credit cards</a>.</p><p>For example, the <a href="https://www.businessinsider.com/personal-finance/credit-cards/citibusiness-aadvantage-platinum-select-american-airlines-credit-card-review" data-analytics-product-module="body_link" rel="">CitiBusiness® / AAdvantage® Platinum Select® World Elite Mastercard®<span class="inline-tooltip tooltip-multiline headline-regular tooltip-product-link" data-tooltip="The information related to the CitiBusiness® / AAdvantage® Platinum Select® Mastercard® has been collected by Business Insider and has not been reviewed by the issuer." data-tooltip-position="top" data-component-type="inline-tooltip"><svg width="8px" height="8px" viewBox="0 0 60 60" xmlns="http://www.w3.org/2000/svg"> <title></title> <desc></desc> <g id="asterisk" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <path d="M29.37 0a5 5 0 014.975 4.805l.004.216-.074 17.076 16.857-9.732a5 5 0 015.196 8.542l-.196.119-16.316 9.42 16.316 9.42a5 5 0 01-4.799 8.77l-.2-.11-16.929-9.774-.07 16.27a5 5 0 01-9.996.175l-.003-.217.065-15.519-15.7 9.065a5 5 0 01-5.195-8.542l.196-.119 16.315-9.42-16.315-9.42a5 5 0 014.8-8.77l.2.11 15.776 9.11.072-16.496A5 5 0 0129.37 0z" fill="#0a0a0a"></path> </g> </svg></span> </a> includes a free checked bag for cardholders and up to four companions on the same reservation plus preferred boarding. The <a href="https://www.businessinsider.com/personal-finance/credit-cards/marriott-bonvoy-brilliant-amex-card-review" data-analytics-product-module="body_link" rel="">Marriott Bonvoy Brilliant® American Express® Card</a> confers automatic Marriott Bonvoy Platinum elite status with perks like bonus points on stays and late checkout, plus an annual free night redeemable at properties that cost up to 85,000 points.</p><p>Aside from privileges with a particular airline or hotel chain, if you spend a lot of time passing through airports, you should consider a business credit card that comes with a statement credit of up to $120 to refund the application fee for <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-global-entry-tsa-precheck-credit-card" data-analytics-product-module="body_link" rel="">Global Entry</a> or TSA PreCheck®, like the <a href="https://www.businessinsider.com/personal-finance/credit-cards/southwest-performance-business-credit-card-review" data-analytics-product-module="body_link" rel="">Southwest® Rapid Rewards® Performance Business Credit Card</a>.</p><p>You might also want a card that gets you into airline lounges, like <a href="https://www.businessinsider.com/personal-finance/credit-cards/amex-business-platinum-card-review" data-analytics-product-module="body_link" rel="">The Business Platinum Card® from American Express</a>, which includes free Priority Pass airport lounge access at over 1,300 lounges around the world**, plus entry to <a href="https://www.businessinsider.com/personal-finance/credit-cards/amex-centurion-lounges-how-to-access" data-analytics-product-module="body_link" rel="">Amex's own Centurion lounges</a> — and <a href="https://www.businessinsider.com/personal-finance/credit-cards/delta-sky-club-credit-card-access" data-analytics-product-module="body_link" rel="">Delta Sky Clubs</a> when you're traveling on Delta.</p><h3 data-toc-label="Travel coverage" id="travel-coverage" class="toc-anchor">Travel coverage</h3><p>If you're a frequent traveler and use your business credit card for work trips, you need to think about whether it offers adequate coverage in case things go wrong while you're on the road. Take a look at your card's benefits and make sure it extends protection for things like trip interruption, cancellation, and delays, as well as lost luggage and <a href="https://www.businessinsider.com/personal-finance/credit-cards-with-primary-rental-car-insurance" data-analytics-product-module="body_link" rel="">primary rental car insurance</a>.</p><p>One card that offers exceptional travel coverage is the Ink Business Preferred® Credit Card. For example, if your flight is delayed by at least 12 hours (or your delay requires an overnight stay), you can be covered up to $500 for reasonable expenses such as lodging, transportation, food, etc.</p><p>The Business Platinum Card® from American Express extends trip cancellation insurance up to $10,000 per trip and $20,000 per 12-month period as well as trip delay insurance that kicks in at six hours and is good for up to $500 per trip in case you need to spend money on things like accommodations or meals.</p><h3 data-toc-label="Purchase protection" id="purchase-protection" class="toc-anchor">Purchase protection</h3><p>Many small business owners need a business credit card specifically to make large purchases — such as for equipment or supplies — for work. If that's your situation, it is imperative to use a credit card that offers sufficient purchase protection in case something goes wrong with the things you buy.</p><p>For example, Chase's purchase protection on the Ink Business Unlimited® Credit Card and the Ink Business Cash® Credit Card will both cover you against damage or theft on eligible items up to 120 days after you make a purchase with caps of $10,000 per claim and $50,000 per account.</p><p>Certain American Express cards offer similar coverage, such as the <a href="https://www.businessinsider.com/personal-finance/credit-cards/amex-business-delta-reserve-card-review" data-analytics-product-module="body_link" rel="">Delta SkyMiles® Reserve Business American Express Card</a> which offers purchase protection on eligible claims of up to $10,000 each and $50,000 per account per calendar year. Using a card with purchase protection like this can literally save you thousands of dollars if something goes wrong with a laptop you purchased for work, or an expensive monitor or TV. </p><p>As a side note, some credit cards offer cell phone protection (usually subject to a deductible) against damage or theft, including the Ink Business Preferred® Credit Card.</p><h3>What to know about business credit card benefits</h3><p>There are plenty of great reasons to apply for a business credit card, and there are also some key benefits you should look for in any business credit card you are thinking of getting. The key to maximizing any business credit card you carry is to choose one with a great welcome offer that earns generous rewards across your top categories of spend and also saves you time and money through various travel and purchase protections. </p><p>And remember: A <a href="https://www.businessinsider.com/personal-finance/credit-cards/does-business-credit-affect-personal-credit" data-analytics-product-module="body_link" rel="">business credit card affects your personal credit</a> — for better or worse.</p><h2 data-pm-slice="1 3 []" data-toc-label="Business credit card frequently asked questions" id="business-credit-card-frequently-asked-questions" class="toc-anchor"><strong>Business credit card benefits and advantages frequently asked questions</strong></h2> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How do business credit cards help in managing company finances? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-question faq-answer">Business credit cards offer detailed expense tracking and reporting tools that simplify managing company finances and can help in budgeting and tax preparation by keeping business expenses separate from personal expenditures.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Can using a business credit card improve my company's credit rating? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-question faq-answer">Yes, responsible use of a business credit card, such as making timely payments and maintaining a low credit utilization ratio, can help build and improve your company's credit rating.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What types of rewards can I earn with a business credit card? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-question faq-answer">Typical rewards combine one or more of the following categories including cash back, points for travel, hotel stays, or merchandise, or exclusive discounts with partner companies.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Are there any risks associated with using a business credit card? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-question faq-answer">As with any form of credit, the risks of using a business credit card include racking up debt if you don't pay your monthly statements in full, and possibly damaging your credit score if you miss payments or pay them late.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown collapsable-faq-dropdown-last" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What should I look for when choosing a business credit card? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-question faq-answer">When choosing a business credit card, consider your individual business needs such as cash flow management, travel expenses, or inventory purchasing. Look for cards with reward programs that match your spending patterns, low interest rates, and beneficial terms and fees.</p> </div> </div> </div><iframe data-src="https://products.gobankingrates.com/pub/bcf1f183-92e6-4401-ac5f-d7b47ca8c33c?targeting[subcategory]=creditcards&resize=1&ident=99&pub_inventory=credit-cards/business-credit-card-benefits-advantages-pfi-credit-cards" data-indent="99" scrolling="no" frameborder="0" width="100%" style="min-width:300px;max-height:475px;"></iframe> <script async="" type="text/javascript" id="go-banking-resize"> window.addEventListener('message', onGoBankingResize, false); function onGoBankingResize(e) { { if (e.origin === 'https://products.gobankingrates.com' && e.data) { if (e.data.source && e.data.id && undefined !== e.data.height) { var id = 'iframe[data-indent="' + e.data.id + '"]'; var chosenFrame = document.querySelector(id); if (chosenFrame) { var height = e.data.height + 'px'; chosenFrame.style.height = height; } } } } } </script><section class="post-authors" data-component-type="post-author"> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/katherine-fan" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="katherine-fan"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/62eaeb8326082a001825aa6c?crop=1:1&width=256&format=jpeg&auto=webp" alt="Photo of the author Katherine Fan"> <noscript> <img src="https://i.insider.com/62eaeb8326082a001825aa6c?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/katherine-fan" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Katherine Fan</div> </a> <div class="post-author_title headline-regular">Correspondent, Credit Cards</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded0"> <div class="post-author_bio_content"> <span>Katherine Fan is a personal finance expert, journalist, and public speaker with almost 10 years of industry experience. She began her career in tech before transitioning to journalism in 2015. Katherine currently serves as Personal Finance Insider's correspondent for credit card coverage. Before joining Business Insider as Senior Editor of Credit Cards, Katherine covered aviation, award travel, loyalty programs, and credit cards as a senior reporter for The Points Guy, and small business finances as a lead writer for Nerdwallet. </span><span>Katherine has also freelanced for CNN Underscored, Forbes Advisor, Wall Street Journal Buy Side, Bankrate, CreditCards.com, the Dallas Morning News, LendingTree, Upgraded Points, Fortune Recommends, Newsweek, and Slickdeals Money. Her work has been syndicated by Nasdaq, MSN and Yahoo. </span><span><span class="headline-semibold">Experience</span></span><span>Katherine has published more than 1,800 articles, guides, and reviews covering credit card benefits and rewards, small business finances, points and miles travel, loyalty programs, and real estate investing. </span><span>Katherine has been a speaker at TravelCon, and has been featured on multiple podcasts including NPR Life Kit, Expedia's Out Travel the System, and The Points Guy's Miles Away. In her spare time, Katherine moonlights as a photojournalist covering Formula 1, Austin City Limits, and SXSW for the Austin American-Statesman and other media outlets. When she's not jetsetting around the world, you'll likely find her in Austin cooking up a batch of spicy Chinese food.<span class="headline-semibold">Expertise</span></span><span>Katherine's expertise encompasses:</span><ul><li><span>Small business finances</span></li><li><span>Credit cards</span></li><li><span>Points and miles travel</span></li><li><span>Travel insurance</span></li><li><span>Real estate investing</span></li></ul><span>Katherine's interest in personal finance runs parallel to her passions for real estate investing and award travel. Despite a salary of just $28,000 a year from her first full-time job, Katherine built an excellent credit score of 805 from scratch through hard work [and privilege], which allowed her to purchase her first home six years after graduating college. She's since added five more doors to her real estate portfolio, although she plans to retire on her index fund investments.Thanks to credit card travel rewards, Katherine has flown well over one million miles visiting 44 countries across all seven continents. She's sailed with orcas in Antarctica, flown home in first class from Japan, photographed a wedding at Hobbiton in New Zealand, and gone on safari in South Africa. But her most meaningful trips always bring her home to loved ones in Taiwan. <span class="headline-semibold">Education</span></span><span>Katherine holds dual degrees in photojournalism and Asian American studies from the University of Texas at Austin, and a certificate in business Chinese proficiency from National Taiwan University. She began her professional career in tech as a software sales executive for seven years before returning to her media roots. </span> </div> <label for="expanded0" role="button" class="post-author_bio_more">Read more</label> <label for="expanded0" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/tessa-campbell" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="tessa-campbell"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/6494561e65b9ce0018a46b81?crop=1:1&width=256&format=jpeg&auto=webp" alt="Tessa Campbell"> <noscript> <img src="https://i.insider.com/6494561e65b9ce0018a46b81?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/tessa-campbell" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Tessa Campbell</div> </a> <div class="post-author_title headline-regular">Investing and Retirement Reporter</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded1"> <div class="post-author_bio_content"> <span>Tessa Campbell is an investing and retirement reporter on Business Insider’s personal finance desk. Over two years of personal finance reporting, Tessa has built expertise on a range of financial topics, from the best credit cards to the best retirement savings accounts.</span>Experience<span>Tessa currently reports on all things investing — deep-diving into complex financial topics,  shedding light on lesser-known investment avenues, and uncovering ways readers can work the system to their advantage.</span><span></span><span>As a personal finance expert in her 20s, Tessa is acutely aware of the impacts time and uncertainty have on your investment decisions. While she curates Business Insider’s guide on the best investment apps, she believes that your financial portfolio does not have to be perfect, it just has to exist. A small investment is better than nothing, and the mistakes you make along the way are a necessary part of the learning process.</span>Expertise: <span>Tessa’s expertise includes:</span><ul><li><span>Credit cards</span></li><li><span>Investing apps</span></li><li><span>Retirement savings</span></li><li><span>Cryptocurrency</span></li><li><span>The stock market</span></li><li><span>Retail investing</span></li></ul>Education: <span>Tessa graduated from Susquehanna University with a creative writing degree and a psychology minor.</span><span>When she’s not digging into a financial topic, you’ll find Tessa waist-deep in her second cup of coffee. She currently drinks Kitty Town coffee, which blends her love of coffee with her love for her two cats: Keekee and Dumpling. It was a targeted advertisement, and it worked.</span> </div> <label for="expanded1" role="button" class="post-author_bio_more">Read more</label> <label for="expanded1" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> </section> <div class="featured-products sticky-featured-product"> <span class="headline-semibold featured-products-heading">Top Offers From Our Partners</span> <div class="featured-product"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" data-analytics-product-area="image" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" class="featured-product-image not-content-link" rel="nofollow noindex"> <div class="lazy-holder lazy-holder " style="padding-top: calc(100% * 95 / 149)"> <img class="lazy-image " src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/60a53ef9e25d05001880c7d2":{"contentType":"image/png","aspectRatioW":1200,"aspectRatioH":320}}" alt="LendingClub Logo"> <noscript> <img src="https://i.insider.com/60a53ef9e25d05001880c7d2?width=600&format=jpeg&auto=webp" /> </noscript> </div> </a> <div class="featured-product-hgroup"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-heading not-content-link" data-analytics-product-area="title" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> LendingClub LevelUp Savings Account </a> <span class="headline-semibold featured-product-sub-heading"> Earn 5.00% APY when you deposit $250 per month <div class="component rich-tooltip featured-product-rich-tooltip" role="tooltip" data-tooltip-position="right"> <svg class="svg-icon tooltip-icon " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 60 60"> <title></title> <desc>A tooltip</desc> <path d="M30.6 36.6l.1-1.2c.2-2.3 1.3-3.3 3.4-5.2 2.5-2.3 5.7-4.5 5.7-8.6 0-5-4.3-7.7-9.2-7.7-3.8 0-6.8 1.5-10 4.4l2.2 2.5c3.1-2.5 5-3.5 7.7-3.5 3.2 0 5.4 1.7 5.4 4.4s-2.2 4.2-4.4 6.1c-3.4 2.9-4 4.1-4 7.3v1.5h3.1zm.7 8.4v-4.6h-4.4V45h4.4z"></path> <path d="M30 0c16.6 0 30 13.4 30 30S46.6 60 30 60 0 46.6 0 30 13.4 0 30 0zm0 3C15.1 3 3 15.1 3 30s12.1 27 27 27 27-12.1 27-27S44.9 3 30 3z"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Earn 5.00% APY when you deposit at least $250 per month, earn 4.00% standard APY if minimum isn't met.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </span> </div> <div class="featured-product-cta"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-link not-content-link" data-analytics-product-area="button" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> Start Saving </a> </div> </div> </div> </div> </div> </div> <section class="category-tagline body-italic"> <div> <p class="body-italic"><p style="font-size:14px;"><em>Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. <a href="https://www.businessinsider.com/personal-finance/personal-finance-editorial-standards">Read our editorial standards</a>.</em></p><p style="font-size:14px;"><em>Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.</em></p><p style="font-size:14px;"><em>**Enrollment required.</em></p></p> <p class="body-italic"><p style="font-size:14px;"><em>***Terms, conditions, and exclusions apply. Refer to your Guide to Benefits for more details. Travel Accident Insurance is not guaranteed, it depends on the level of benefits you get at application.</em></p><p style="font-size:14px;"><em>For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.</em></p></p> <p class="body-italic"><p style="font-size:10px;"><em>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Trip Delay Insurance, Trip Cancellation and Interruption Insurance, and Cell Phone Protection Underwritten by New Hampshire Insurance Company, an AIG Company. Global Assist Hotline Card Members are responsible for the costs charged by third-party service providers. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers. Extended Warranty, Purchase Protection, and Baggage Insurance Plan Underwritten by AMEX Assurance Company. Car Rental Loss & Damage Insurance Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.</em></p></p> </div> </section> </section> </div> </div> <section class="post-content-more"> <div class="inline-newsletter-signup headline-regular loading insider-today" id="formContainer" data-component-type="inline-newsletter-module" data-event-label="insider_today" data-newsletter-id="1" data-newsletter-title="Insider Today" data-acq-source="personalfinanceverticalinline" data-track-view={"product_field":"bi_value_unassigned","element_name":"inline_newsletter"} > <section class="inline-newsletter-content"> <div class="inline-newsletter-insider-today-header"> <div> <div class="inline-newsletter-logo-tag"> <div class="inline-newsletter-logo"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 16 / 195)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/BI/US/logos/newsletters/insider-today-logo.png' alt="Insider Today" /> <noscript> <img src="/public/assets/BI/US/logos/newsletters/insider-today-logo.png" /> </noscript> </div> </div> </div> <div class="newsletter-signup-header" id="signUpHeader" > Sign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. <a href="https://l.businessinsider.com/e/evib?_t=c8e10479a20f45bba5aad6c5f6fbb009&_m=bee0b92dd7f64311b232730abc2d57af&_e=U5JhMPKexkqXQC0IbC5jAv93qEg9l9wpQfDa9HFV0yVMQv3svoC1aboxnptAyVwou2R68cPyvF-aWiSH-hyRWg%3D%3D" target="_blank" class="inline-newsletter-preview-link headline-semibold">Read preview</a> </div> </div> <div class="inline-newsletter-img-wrapper-mobile"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 124 / 111)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/rebrand/newsletter-bull.png' alt="Bull" /> <noscript> <img src="/public/assets/rebrand/newsletter-bull.png" /> </noscript> </div> </div> </div> <div class="js-loader hidden"><svg class="svg-icon " version="1.1" xmlns="http://www.w3.org/2000/svg" role="img" width="50" height="50" viewBox="0 0 50 50" style="enable-background:new 0 0 50 50;" xml:space="preserve"> <path fill="#0a0a0a" d="M43.935,25.145c0-10.318-8.364-18.683-18.683-18.683c-10.318,0-18.683,8.365-18.683,18.683h4.068c0-8.071,6.543-14.615,14.615-14.615c8.072,0,14.615,6.543,14.615,14.615H43.935z"> <animateTransform attributeType="xml" attributeName="transform" type="rotate" from="0 25 25" to="360 25 25" dur="0.6s" repeatCount="indefinite"/> </path> </svg></div> <div class="error-request-message headline-regular hidden"></div> <div class="success-container__desktop"> <div class="success-image-container hidden"></div> <div class="success-message-container"> <div class="success-message headline-semibold hidden"> Thanks for signing up! <a class="npc-anchor not-content-link headline-semibold" href="https://www.businessinsider.com/subscription/newsletter">Go to newsletter preferences</a> </div> <div class="success-sub-message headline-semibold hidden"></div> </div> </div> <div class="success-container__mobile d-none"> <div class="success-message headline-semibold">Thanks for signing up!</div> <div class="success-image-container"></div> <div class="success-sub-message headline-regular"> Access your favorite topics in a personalized feed while you're on the go. <button class="rounded-button headline-semibold white-button download" type="white" > download the app </button> </div> </div> <div id="account-creation-component" data-element-name="inline_newsletter" data-load-markup="inline-newsletter-module/account-creation/template"> </div> <form id="emailCapture" action="javascript:void(0);" method="POST" novalidate > <div class="flex-parent"> <div class="user-input-container"> <label id="focusedLabel" class="headline-regular" for="newsletter-module-email" >Email address</label> <input class="headline-regular" type="email" autocapitalize="off" name="newsletter-module-email" id="newsletter-module-input" placeholder="Enter your email" autocomplete="email" required="required" /> </div> <div class="mobile-error-msg error-msg headline-regular"></div> <div class="submit-container headline-semibold"> <button class="rounded-button headline-semibold dark-button inline-newsletter-submit" type="dark" > Sign up </button> </div> </div> <div class="desktop-error-msg error-msg headline-regular"></div> <div class="sign-up-tos headline-regular" id="nlTos" > By clicking “Sign Up”, you accept our <a class="tos-anchor" href="https://www.insider-inc.com/terms" target="_blank">Terms of Service</a> and <a class="tos-anchor" href="https://www.insider-inc.com/privacy-policy" target="_blank">Privacy Policy</a>. 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