Self-Employed Business Travel · True Cost Comparison
Which flight actually
costs you less?
Google Flights
$200
vs
Bizy Travel
$400
After the tax deduction, $200 Super Rewards, and 2% credit card cashback — the Bizy Travel flight costs far less. For high-income earners in CA and NYC, you can actually come out ahead.
Select your annual self-employment income
How the combined marginal rate is calculated
When you deduct a business expense, you save at every tax layer simultaneously. Each dollar of deduction reduces your federal income tax, self-employment tax, and state tax all at once. The rate shown is the total percentage you save on every deductible dollar spent.
| Income bracket | 🌴 California | 🗽 New York City | ☀️ No State Tax |
|---|---|---|---|
| $55K – $109K / yr | 45.30% | 46.68% | 37.30% |
| $110K – $259K / yr← selected | 48.60% | 49.18% | 39.30% |
| $260K – $1.09M / yr | 45.10% | 46.53% | 35.80% |
| $1.1M+ / yr | 54.10% | 54.33% | 40.80% |
California
$200
You pay
$99
$400
You pay
+$2
you earn back
Bizy Travel saves you 102% on travel cost
$99 on Google vs -$2 on Bizy Travel
You still earn the exact same airline miles
Your marginal tax breakdown
New York City
$200
You pay
$98
$400
You pay
+$5
you earn back
Bizy Travel saves you 105% on travel cost
$98 on Google vs -$5 on Bizy Travel
You still earn the exact same airline miles
Your marginal tax breakdown
No State Income Tax
Texas · Florida · Nevada
$200
You pay
$117
$400
You pay
$35
Bizy Travel saves you 70% on travel cost
$117 on Google vs $35 on Bizy Travel
You still earn the exact same airline miles
Your marginal tax breakdown
Why the Bizy Travel flight costs less
Step 1
100% Tax Deductible
Self-employed professionals deduct the full cost of business travel from taxable income — reducing federal income tax, self-employment tax, and state tax all at once. On a $400 flight, the tax savings alone can exceed $160.
Step 2
$200 Super Rewards (Not Taxable)
Bizy Travel credits $200 in Super Rewards on this booking — redeemable on any future flight, hotel, or car rental. The IRS treats these as a purchase price adjustment, not income. Combined with the tax deduction, most of the face price is already wiped out before you check in.
Step 3
2% CC Cashback
Pay with a 2% cash-back card and earn $10.00 back on the Bizy Travel flight vs just $4 on the Google flight. Every dollar of the higher fare generates more reward.
Super Rewards are not taxable income — IRS position
The IRS does not consider consumer rebates to be taxable income. Because they represent a reduction in the purchase price rather than a new accession to wealth, the IRS classifies them as purchase price adjustments (post-purchase discounts). The $200 Super Rewards credit lowers your cost basis on the booking — it is not added to your gross income and is not subject to income or self-employment tax.
Full Comparison — All Income Levels
Effective cost after all deductions, rewards, and cashback
| Income | 🌴 California | 🗽 New York City | ☀️ No State Tax | |||
|---|---|---|---|---|---|---|
| Bizy | Bizy | Bizy | ||||
| Over $55,000 | $105 | $11 | $103 | $5 | $121 | $43 |
| Over $110,000← selected | $99 | +$2earned | $98 | +$5earned | $117 | $35 |
| Over $260,000 | $106 | $12 | $103 | $6 | $124 | $49 |
| Over $1.1M | $88 | +$24earned | $87 | +$25earned | $114 | $29 |
Green +$X earned means your net cost is negative — Bizy Travel rewards exceed your out-of-pocket after taxes. Click any row to update the comparison above.
Get Paid Your Way
Rewards can be sent to anyone, anywhere in the United States
Zelle
Instant transfer
Check
Mailed to you
Ready to book your first flight?
Book any flight. Get 50% back. Tax-free.
Calculations use 2025 marginal tax rates for a single self-employed filer claiming the standard deduction. Super Rewards are credited at face value toward future Bizy Travel bookings and are classified by the IRS as purchase price adjustments — not taxable income. CC cashback assumes 2% on all purchases. Business travel deductions require a legitimate business purpose and proper documentation. This is not tax advice — consult a licensed CPA or tax professional.