Why a business card might be right for you
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Who can get a business card?
There’s a lot of small business cards running stellar welcome offers, so I wanted to explain who’s eligible. You might be surprised to find out that you may qualify for a business credit card.
You don’t need to have dozens of employees, have a physical storefront, or be fully self-employed to qualify. Of course, if any of these apply to you, then you would certainly be a candidate for a business credit card.
However, you may still qualify for a business card if you have a side hustle, freelance, or offer consulting services. Maybe you cut neighbors’ lawns or babysit on the side? Any of those could count as a business.
Take me, for example: I have a full-time job. But I also sell old video games on eBay. (You would be surprised at the high demand on the internet for 20-year-old Nintendo games.) I also have an Etsy store where I’ve sold some original photography.
I use a business card to pay for costs like item listing fees, online ads, and printing costs.
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Track Business and Personal Spending in One Simple App
Tracking business expenses, organizing receipts, AND figuring out which card earns the most rewards? It's exhausting. MaxRewards Platinum handles all three automatically. AI sorts your business spending into categories (including Schedule C), while receipts auto-match to transactions the moment you upload them.
But here's what really matters: you'll never mix up your personal and business spending, you'll finally know what categories get 4x back on your Business Gold card, you'll never forget to use your monthly Amex Platinum benefits, and you'll get money back from offers you didn't even know existed.
Whether it's online advertising, work travel, or client dinners—you'll see exactly which card maximizes rewards for each expense type. Stop guessing and start earning what you deserve on every business purchase.
Use code “#############” for 25% off
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Some great business card offers now
Card A and B:
- Earn $900 bonus (comes as 90,000 points) after spending $6,000 in three months
- Annual fee: $0
Card C:
- Earn 150,000 miles after spending $30,000 in the first three months of account opening.
- Annual fee: $395
Card D:
- Earn 200,000 points after spending $20,000 in the first three months of account opening
- Annual fee: $895
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Member question: What card should I use abroad?
Using a credit card when you’re traveling internationally is a convenient way to track spending and avoid carrying too much cash. But what one do you use?
You’ll want to look for one that charges no foreign transaction fee. This will save you approximately 3% on each transaction, the rate most major banks charge on purchases in a foreign currency.
Three percent isn’t huge, of course, but if you’re spending $1,000, it adds an extra $30 to your costs.
The good news is you have plenty of options.
- If you’re planning to eat out often on your trip, this card is a great choice because it earns 4x points on restaurants worldwide (up to $50,000 annually), plus 3x on flights booked with airlines
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This card is a great versatile option because it earns 2x on transit and transportation (like trains and public transit) and 3x on dining worldwide
- If you’re looking for premium access to live entertainment and exclusive airport lounges, this card is always a great option.
- For museum and event tickets, which often don’t earn bonus points, check out these two cards that each offer 2x miles per dollar on every purchase.
Have points and miles questions? I'd love to hear from you! Submit a question, and I may answer it in a future newsletter.
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With expert:
Kurt Adams
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Kurt Adams is the Points and Miles Expert for the Going travel app. As a personal finance expert with a deep understanding of credit card rewards and frequent flier programs, Kurt helps consumers navigate the intersection of money and travel. A graduate of Princeton, he lives in New York.
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A disclaimer about card names:
Due to the quirks of credit card compliance, we are sometimes not allowed to use the actual names of cards or certain banks in emails. This means we have to resort to using more generic language when talking about some credit cards.
We know this can be confusing or frustrating, but we encourage you to click through to our site, where we can name and talk more candidly about the cards and their benefits. While we are bound by the rules of credit card compliance, our mission will always be to put our readers first and help you travel better for less.
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