Business Hotel Cards

Whether you're traveling for business or for pleasure, there are hotel rewards offers available for you. Business owners will revel in the ability to make each trip a bit of both; charge your everyday business expenditures to your new card and earn rewards like upgraded rooms, spa treatments, breakfasts and more – even as you recharge in your swanky hotel room before your next meeting. Browse credit card offers from our partners below:

 

Advertiser Disclosure

Hilton Honors American Express Business Card
  • Regular Purchase APR 18.74% to 27.74% variable based on creditworthiness and Prime Rate
  • Cash Advance APR 28.24% variable based on the Prime Rate
  • Annual Fee $95
  • Credit Needed Excellent , Good
  • Processing Network American Express
Best Benefits
  • Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card in the first 3 months of Card Membership
  • Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X at US gas stations, on US purchases for shipping, on wireless telephone services purchased directly from US service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at US restaurants, 3X on all other eligible purchases
  • Enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year
  • Earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year
  • Terms apply
Rates & Fees
  • Regular Purchase APR: 18.74% to 27.74% variable based on creditworthiness and Prime Rate
  • Cash Advance APR: 28.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater
  • Penalty APR: 29.99% variable based on the Prime Rate
  • Annual Fee: $95
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: $39
Marriott Bonvoy Business® American Express® Card
  • Regular Purchase APR 18.74% to 27.74% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 28.24% variable based on the Prime Rate
  • Annual Fee $125
  • Credit Needed Excellent , Good
  • Processing Network American Express
Best Benefits
  • Limited Time Offer: Earn 100,000 Bonus Marriott Bonvoy Points after spending $4,000 in purchases on your new Card in your first 3 months of Card Membership. Offer expires 11/2/22
  • 6x points at hotels participating in the Marriott Bonvoy® program
  • 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping
  • 2x points on all other eligible purchases
  • Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply
  • Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees
  • Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card
  • Terms apply
Rates & Fees
  • Regular Purchase APR: 18.74% to 27.74% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 28.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater
  • Penalty APR: 29.99% variable based on the Prime Rate
  • Annual Fee: $125
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: $39
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Business Hotel Cards

If mergers, deals, contracts, or client-meetings are the reason for your travel, business hotel cards are a fantastic option that allows business travelers to earn hotel rewards for office-related purchases. Everyday office necessities such as wireless internet and other telecom services can put the frequently flying well on their way towards free hotel stay or hotel upgrades.

While small business owners could certainly partake in the many perks that business hotel cards have to offer, these types of reward credit cards might prove more beneficial to more established businesses. The high spending requirement to unlock some of the top tier rewards could be more than a few grand shy of being small business-friendly.

Who Benefits Most from a Business Card with Hotel Rewards?  

Businesses that have higher overhead costs and spending thresholds will find themselves better positioned to take advantage of the rewards offered for reaching spending minimums that often exceed tens of thousands. Although startups might also have the high costs associated with starting a business, the high spend may not be sustainable and thus limiting their ability to enjoy the benefits of a business hotel card in the long term.

However, business-size aside, those with above-average amounts of travel involved, perhaps due to the nature of the industry, would easily be able to reap the benefits of a co-branded hotel credit card. Companies with salesmen that frequently travel to meet with clients would greatly benefit from hotel cards, as their travel expenses could be used on the company card and expedite rewards points.

The Differences Between a Business and Personal Credit Card 

Hotel benefits of co-branded business cards and personal credit cards are typically quite similar – both usually include elevated membership status, award nights, and identical bonuses for hotel-related purchases. Even the application processes for both are strikingly similar, with either type of application likely pulling from your personal credit score.

With these types of cards having more similarities than differences, deciding whether to apply for a business credit card or a personal one can be a tricky decision. However, there are a few subtle – but significant – differences that could tip the scale in favor of opening a building credit card instead of a personal card.

Spending Requirements 

The most notable difference between a business credit card and a personal one is that business cards tend to have higher spending requirements in order to qualify for bonuses, whether they’re introductory offers or a cardholder anniversary reward.

Employee Spending 

Plenty of personal credit cards offer authorized users, but business cards give owners more control when it comes to monitoring the spending of their employees. Along with the ability to control individual spending limits, get itemized spending reports, and built-in tools to keep track of receipts, business cards are particularly inclined to help business owners track all business expenditures.

Credit Reporting 

Just as individuals have their financial activity reported to bureaus like Equifax, Experian, and Transunion, businesses have their own credit bureaus. These are used to determine ratings and credit scores in businesses, which can affect whether a business is approved for a loan or the interest rate for it.

Why Choose a Business Hotel Card 

The biggest benefit to opening a business hotel credit card is the ability to positively impact your business credit score. Doing so can open many more financial doors for your company than your personal credit score could, allowing you access to high loan limits, lower interest rates, more leasing opportunities, and more.

If your goal is to grow your small business into a full-blown enterprise, a business hotel card will not only provide long-standing rewards on all of the expenses it requires to grow it but will be able to scale along with your thriving business.


Editorial Disclosure
— The opinions expressed on HotelCards’ reviews, blogs, and all other content on or relating to the website are solely those of the content’s author. They are not reflective of any card issuer or financial institution and have not been reviewed or approved by these entities unless otherwise noted. Further, HotelCards lists credit card offers that are updated daily with information believed to be accurate to the best of our knowledge.

Advertiser Disclosure: HotelCards is an independent credit card comparison platform. Many of the card offers that appear on this site are from companies from which HotelCards may receive compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). HotelCards does not include all card companies or all card offers available in the marketplace.