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I have an employee who travels a lot. This means that he is always renting hotel rooms and renting cars and eating at restaurants. What card gives discounts on hotels and cars or gives the best rewards.

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Q: I have an employee who travels a lot. This means that he is always renting hotel rooms and renting cars and eating at restaurants. What card gives discounts on hotels and cars or gives the best rewards.

A: Plenty of airline credit cards and affinity programs can help you stretch your travel budget. But I think the question you really want to ask is who's going to actually hold the card and enjoy all those rewards.

If you set a company policy that reimburses your employees for their own travel expenses, they'll hang on to all the points and miles they rack up on the road. Your question makes it sound like you want to use those benefits to help your business, so I'll recommend a card you can issue to your employee under a master account:

    • The Plum Card® from American Express OPEN.

Editor's Note: Thank you for your interest, this offer expired and is no longer available.

I haven't yet met a Plum Card Member who doesn't love this card. I like this card for you because it's designed for heavy employee usage. Although it's geared toward business owners who let their employees buy lots of supplies, they offer a 1.5% discount for paying early or up to 60 days to pay without interest, or both each month. There are no foreign transaction fees. You would pay no annual membership fee for your first year after that there is $250 annual fee however there are no annual membership fees for employee cards. For a limited time there is a special offer learn how you can get up to 3.5 percent back, offer ends 10/27/14. This is a charge card, not a credit card, which means all charges made on this charge card are due and payable when you receive your periodic statement. Terms and restrictions apply. If your employee spends most of his time in a Starwood Hotel or on Delta Airlines, you could potentially get more value from American Express affinity cards with either of those partners.

Before selecting a small business charge or credit card, review the card offer for how employee cards and transactions are processed. And look at the real value of points and miles the way your employee would end up using them. Affinity cards make sense if you stay loyal to a single airline or hotel chain. If you're grabbing the cheapest flights and hotel rooms, regardless of brand, a cash back rewards card will almost always offer the best value.

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