There's been a major shift to remote work over the last few years, allowing employees to work from home or from destinations that they might otherwise visit only on vacation.

If you telecommute, there are a number of credit cards that have helpful features, no matter if you’re working from home or on the road. Here's our list of the best credit cards for remote workers.

What to look for in credit cards for remote workers

There are key benefits that remote workers should be mindful of as they shop for cards, including those that will help decrease their overall expenses and make work travel easier.

Some benefits that will help remote workers lower their expenses are dining credits and bonus points for home office purchases. Automatic hotel status and airline lounge access are examples of credit card benefits that can help simplify travel for remote workers.

Top credit cards for working from home

Ink Business Cash® Credit Card

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The Ink Business Cash® Credit Card offers several valuable benefits to telecommuters for no annual fee. (The card is geared toward small-business owners, but many side hustles and hobbies that create supplemental income can qualify as business and make you eligible for it.) Perhaps the biggest benefit of the Ink Business Cash® Credit Card is that you receive 5% cash back annually on the first $25,000 spent in combined purchases at office supply stores and on cable, internet and phone services.

The 5% cash-back benefit for these categories is particularly attractive to remote workers as it can significantly reduce the cost of setting up a home office, including paying for home internet and cell phone services. Plus, you also receive 2% cash back annually on the first $25,000 spent in combined purchases at restaurants and gas stations, which helps reduce the cost of business lunches and work trips that involve a drive.

Currently, the Ink Business Cash® Credit Card offers this welcome bonus: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

Hilton Honors American Express Aspire Card

With an annual fee of $550, the Hilton Honors American Express Aspire Card is the card with the highest annual fee on this list. Terms apply. Before you balk at the cost, know that the card has some excellent benefits that can make recouping the hefty annual fee a bit easier.

The Hilton Honors American Express Aspire Card comes with Hilton’s top-tier Diamond status, which includes complimentary breakfast or a food credit (depending on the property), space-available room upgrades, premium Wi-Fi and executive lounge access when staying at a Hilton hotel. Terms apply.

The card also offers a $250 airline-fee credit (which can be used to pay for checked bags, food and other incidentals), a $100 Hilton credit for stays at certain properties, and Priority Pass Select membership. This membership gets you unlimited visits at participating lounges for yourself and up to two guests, and it's particularly useful for working in a quieter environment in an otherwise busy airport. Terms apply.

Currently, the Hilton Honors American Express Aspire Card has the following welcome offer: Earn180,000Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors American Express Aspire Card in the first 6 months of Card Membership.Offer Ends 1/17/2024.

Chase Sapphire Preferred® Card

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One of the best overall cards for remote work is the Chase Sapphire Preferred® Card. The card has an annual fee of $95 and is currently enticing new members with this welcome offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

The Chase Sapphire Preferred® Card offers a number of benefits that might turn telecommuters' heads, including 3x points on dining and 2x points on travel, a complimentary DashPass from DoorDash (offer must be activated by Dec. 31, 2024), car rental insurance and trip cancellation/interruption insurance for up to $20,000 per trip.

If you’re working long hours from home, the DashPass could be particularly helpful. It lowers the price of food delivery and can save time since you don't need to cook or pick up food. The trip cancellation/interruption insurance benefit can also provide peace of mind when you take work on the road.

If you're considering a telecommuter-friendly credit card

If you're a remote worker looking at credit card options, focus your search on finding cards with benefits that lower remote work costs or make frequent travel more pleasant. The Ink Business Cash® Credit Card, Hilton Honors American Express Aspire Card and Chase Sapphire Preferred® Card are all worth a second glance.

All information about the Hilton Honors American Express Aspire Card has been collected independently by NerdWallet. The Hilton Honors American Express Aspire Card is no longer available through NerdWallet.