A smarter way to earn rewards on business travel spending

Business travel is often one of the largest expenses for growing companies. Between flights, hotels, rental cars and everyday purchases made on the road, those costs can add up quickly.

While many businesses already use travel rewards credit cards to earn points on that spending, Engine X* takes a different approach, combining travel booking, expense management and rewards into one platform.

Engine X is a business charge card built into Engine’s travel platform. More than 30,000 businesses use Engine to book and manage business travel, and Engine X is designed to help those companies earn additional rewards while simplifying travel spending.

The card has no annual fee,** earns up to 10% back in points on eligible Engine travel bookings and 1.5% back on everyday purchases,*** and doesn’t require a personal credit check or personal guarantee.****

And right now, new Engine X cardholders can earn 20,000 Engine points after activating their card and spending $2,000 in qualifying off-platform purchases within 30 days of approval.

Earn more from the travel you’re already booking

For businesses that regularly book hotels and rental cars, Engine X offers its highest rewards through the Engine travel platform.

Cardholders earn 6% back in points on hotel and rental car bookings made through Engine. As annual spending increases, the earning rate can climb to 7%, 8% and ultimately 10% (or the Roman numeral “X”, like Engine X).***

Beyond travel booked through the platform, the card earns 1.5% back on flights and most other eligible business purchases***, all without annual fees or rewards caps.**

The elevated earning rates are possible because Engine combines several business travel functions into a single platform. Engine allows businesses to book travel, manage company spending and track expenses in one place.

Engine Rewards is the platform’s loyalty program. Companies earn points when booking travel through Engine, while Engine X boosts those rewards by providing additional points on eligible purchases.

Those points can be used in several ways, including:

• Pay down a company’s Engine balance
• Book future travel through Engine
• Gift rewards to individual employees or teams
• Redeem for gift cards to grant to employees

For companies already managing significant travel spending, it can be an easy way to generate additional value from expenses they’re already making.

Triple-dip on business travel bookings

One of Engine X’s more distinctive features is the ability to stack several travel benefits on the same hotel reservation.

When booking eligible hotels through Engine, businesses may be able to:

• Access discounted Engine hotel rates (up to 60% lower than publicly available prices).
• Earn hotel loyalty points and elite-night credit (where eligible).
• Earn Engine Rewards points on the booking.

Many third-party booking platforms require travelers to give up hotel loyalty benefits in exchange for lower prices. Engine’s model is designed to preserve those benefits, giving businesses the opportunity to combine discounted rates with hotel rewards and Engine Rewards on the same reservation (where participating hotel programs allow).

Engine Rewards can be redeemed toward future travel booked through Engine or as a statement credit. However, a statement credit will be at 50% value compared to 100% value on bookings.

Businesses also have flexibility in how rewards are distributed. Administrators can choose to keep rewards with the company or allow employees to earn rewards directly for personal travel. Companies can also gift points to individual employees or groups as an incentive or recognition program.

For organizations with frequent travelers or field-based employees, that flexibility may help improve employee engagement while still maintaining centralized travel management.

Give employees flexibility while maintaining control

Managing business travel often involves balancing employee flexibility with company oversight. Engine X offers several tools designed to make that process easier.

Businesses can issue virtual cards immediately for online purchases or provide physical cards when needed. Administrators can also establish spending controls based on individual employees, merchants, spending categories or transaction limits.

The platform also provides real-time visibility into company travel spending, enabling finance teams to monitor expenses as they occur rather than waiting until the end of a billing cycle.

These features may be particularly useful for businesses with employees who regularly travel or make company purchases, helping reduce manual expense tracking while maintaining spending controls.

Built for growing businesses

Unlike many business cards, Engine X doesn’t require applicants to undergo a personal credit check or sign a personal guarantee.****

The application typically takes about 15 minutes to complete, and most eligible businesses receive a decision within 24 hours.

While businesses of many sizes can apply, Engine X is likely to be the best fit for small and midsize businesses that have:

• Meaningful travel spending
• Recurring hotel bookings
• A need for centralized visibility into company expenses
• Companies that rarely book business travel may find fewer opportunities to maximize the platform’s travel-focused rewards.

Bottom line

Engine X combines business travel booking, rewards and spend management into a single platform.

For businesses with frequent employee travel, Engine X offers several potential advantages. The ability to earn elevated rewards on Engine bookings, stack those rewards with hotel loyalty benefits and manage company spending from one dashboard makes it an attractive alternative to a traditional business rewards card.

If your business regularly books hotels, rental cars and flights, Engine X is a strong fit for a travel management strategy.

And for a limited time, new Engine X cardholders can get 20,000 Engine points after activating their card and spending $2,000 in qualifying purchases within 30 days of accepting their approved credit limit. Points can be used toward flights, hotels, cars, statement credits and more. See terms.

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Learn more about Engine X.

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*Engine X Visa® Commercial cards issued by Fifth Third Bank N.A., Member FDIC. Terms and conditions apply. All applications subject to credit approval.

**See cardholder agreement/terms and conditions for details: https://engine.com/x/program-terms.

***Earn up to 10% back in points on qualifying Engine travel purchases. Actual reward rates vary by purchase category and may change. Points have no cash value and are redeemable for rewards through our program. See full rewards terms for details.

****Subject to review of company’s application including but not limited to requested financial information.