Getting a credit card for business that includes travel rewards is about balancing the perks with your needs, especially if you travel often. Because business trips come with more expenses compared to personal travel, it helps to have a card that makes your frequent trips a little more seamless.
Often, the more you use a travel rewards card, the more you save. But not all cards are made equal.
The US Bank FlexPerks Business Edge and Capital One Spark Miles are both good options for the business traveler. But no card is perfect for everyone, so looking at their offerings can help you choose a card that’s suited to your unique needs.
What the cards have in common
Many business cards have the same perks and rewards, so it can be hard to tell them apart. Here’s what US Bank FlexPerks Business Edge and Capital One Spark Miles have in common:
- Require excellent credit.
- Offer zero fraud liability.
- Have a sign-up bonus.
- Offer $0 annual fee for the first year.
- Allow you to save money on business purchases with Visa SavingsEdge.
- Have no foreign transaction fees.
US Bank FlexPerks Business Edge
Here’s are the details on the US Bank FlexPerks Business Edge’s pros and cons.
- You get one point for every $1 of eligible net purchases
- You get double points for every $1 spent on gas, office supplies or airline purchases. You get double points for most cellphone expenses
- You get triple points for qualifying charitable donations
- You can get reimbursed up to $25 per ticket to use toward baggage fees or in-flight food and drinks
- $55 a year membership fee
- Have to pay $10 fee for every extra employee card
- Miles do expire
Here’s a detailed list of the Capital One Spark Miles’ pros and cons.
- You get unlimited two times miles for every business purchase. There are no blackouts or seat restrictions and no minimum to redeem
- You’re covered for collision or theft damage when you rent an eligible car with your card
- No fees for additional employee cards
- Miles never expire
- $59 a year membership fee
Your business is small and you want a travel rewards card that also has comprehensive coverage of day-to-day expenses. The US Bank FlexPerks Business Edge Cards gives you the option of redeeming points and miles for everyday office purchases while covering lost luggage reimbursement and travel accident insurance. So you reap its rewards when you’re traveling and when you’re not.The US Bank FlexPerks Business Edge Card is a good option if…
The Capital One Spark Miles Card is a good option if…
You travel often and want to get the most value out of every trip. Because it gives you peace of mind when it comes to car insurance rentals and its miles never expire, the Capital One Spark Miles card has you covered when it comes to every aspect of the business travel experience. Plus, if your company has multiple employees, you won’t have to pay more for extra cards. Those small savings add up, especially for a growing company.
Sign-up bonus showdown
Sometimes it all comes down to the sign-up bonus.
The US Bank FlexPerks Business Edge gives you 20,000 bonus FlexPoints if you spend $2,000 in eligible net purchases in first four months.
If you spend $4,500 on purchases within the first three months, the Capital One Spark Miles gives you a one-time bonus of 50,000 miles, which equates to $500 in travel.
So what’s more important to you when it comes to the sign-up bonus: points or miles? If it’s points, then you should consider with the US Bank FlexPerks Business Edge. But if it’s miles, then consider the Capital One Spark Miles.