corporate travel card

• Ink Business Preferred® Credit Card
• The Business Platinum Card® from American Express
• Capital One Venture X Business Card†
• The Blue Business® Plus Credit Card from American Express
• Ink Business Cash® Credit Card
• American Express® Business Gold Card
• Capital One Spark Miles for Business†
• Why You Should Trust Us

Best Business Travel Credit Cards of May 2024

Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews .

The information for the following product(s) has been collected independently by Business Insider: Capital One Venture X Business Card†, Capital One Spark Miles for Business†, Capital One Spark Miles Select for Business†. The details for these products have not been reviewed or provided by the issuer.

It's time to earn rewards for all your company expenses. Whether you own a small business, work side gigs, independent contractor, or freelancer, you're probably spending a good chunk of cash already. So why not earn something for it? Earning many points and miles isn't a benefit limited to regular consumer credit cards. 

Keeping your personal and business spending separate is prudent, especially when tax season comes around. And maintaining a distinct business credit card makes it that much easier to track the goods and services you've purchased. In addition, the bonus categories for purchase rewards typically align with business expenses such as advertising, shipping, and office supplies.

Let's talk about the specific cards you should consider to reap the benefits of travel rewards and keep your business running on all cylinders. 

Compare the Top Business Credit Cards for Travel

Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases.

21.24% - 26.24% Variable

Earn 100,000 bonus points

Good to Excellent

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High sign-up bonus
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 3x bonus points on several spending categories, including travel and advertising purchases
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes comprehensive travel coverage
• con icon Two crossed lines that form an 'X'. Welcome bonus has a very high minimum spending requirement

The Ink Business Preferred® Credit Card offers a huge welcome bonus and solid earning and benefits for a moderate annual fee. If your small-business expenses line up with the card's bonus categories and you like redeeming Chase Ultimate Rewards® points for travel, this is one of the best small-business credit cards to consider.

• Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
• Points are worth 25% more when you redeem for travel through Chase Travel℠
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
• Member FDIC

Earn 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com. Earn 1.5X points on each eligible purchase at shipping providers, US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, as well as on purchases of $5,000 or more everywhere else (on up to $2 million per calendar year). Earn 1X points for each dollar you spend on other eligible purchases.

19.49% - 28.49% Variable

Earn 150,000 Membership Rewards® points

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. More travel benefits than you'll find on any other business credit card
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous airport lounge access options, from American Express Centurion Lounges to Priority Pass (enrollment required)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Complimentary hotel elite status (enrollment required)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Access to Amex concierge services
• con icon Two crossed lines that form an 'X'. Very high annual fee
• con icon Two crossed lines that form an 'X'. Limited opportunities to earn bonus points
• con icon Two crossed lines that form an 'X'. Annual statement credits won't be useful for everyone

The Business Platinum Card® from American Express is one of the best small-business cards with an elevated bonus and top-notch benefits (and a premium annual fee to match). It's an excellent offer if you like earning Membership Rewards points and you can maximize the bonus spending categories and perks — but be sure to assess whether the annual fee is worth it for you before you commit.

• Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
• 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
• Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
• Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
• $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
• The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
• $695 Annual Fee.
• Terms Apply.

Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel. Earn 5X miles on flights booked through Capital One Travel. Earn unlimited 2X miles on all other purchases.

no APR but a 2.99% monthly late fee if balance is not paid in full

Earn 150,000 bonus miles

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Excellent earning rates and perks that offset the high annual fee
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Premium benefits include travel statement credits and airport lounge access
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No preset spending limit for flexibility
• con icon Two crossed lines that form an 'X'. Balance must be paid in full each month to avoid a late fee
• con icon Two crossed lines that form an 'X'. Annual travel statement credits only apply to Capital One Travel purchases

Limited time offer: Earn 10X Membership Rewards® Points spent at restaurants worldwide for three months, on up to $25,000 in purchases when eligible card member refers a friend and the friend applies by May 22, 2024 and gets the card (terms apply). Earn 2x Membership Rewards® Points on everyday eligible business purchases (on up to $50,000 per year in purchases, then 1X). Earn 1x Membership Rewards® Points on all other purchases.

0% intro APR on purchases for the first 12 months from account opening

18.49% - 26.49% Variable

Earn 15,000 Membership Rewards® points

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. The rare no-annual-fee card to earn Amex Membership Rewards points
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Solid earning rate on the first $50,000 in purchases each year
• con icon Two crossed lines that form an 'X'. For spending above $50,000 each year, you will only earn 1 point per dollar

If you're a small-business owner looking for a credit card that offers flexible rewards points without paying an annual fee, The Blue Business® Plus Credit Card from American Express is an excellent option. You don't need to own a full-time business to be eligible to apply, either — even freelancers and those with side gigs can qualify for a small-business card.

• Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
• 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
• Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
• You've got the power to use your Card beyond its credit limit* with Expanded Buying Power.
• *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
• No Annual Fee
• Terms Apply

Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases.

0% intro APR on purchases for the first 12 months

18.49% - 24.49% Variable

Earn up to $750 bonus cash back

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Broad 5% and 2% cash-back categories (you can earn bonus cash back at office supply stores and at gas stations and restaurants)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Intro APR offer for purchases
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No annual fee
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can pair this card with a card that earns Ultimate Rewards to redeem your cash back for travel
• con icon Two crossed lines that form an 'X'. Annual cap on bonus categories

Between offering a big welcome bonus, extra rewards in useful categories, and ongoing benefits like primary car rental insurance and purchase protection, the Ink Business Cash® Credit Card is an excellent no-annual-fee cash-back business credit card for small-business owners.

• Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
• Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
• Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
• 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
• 0% introductory APR for 12 months on purchases

Limited time offer: Earn 10x Membership Rewards® Points at restaurants worldwide for three months, on up to $25,000 in purchases when eligible card member refers a friend and the friend applies by May 22, 2024 and gets the card (terms apply). Earn 4x Membership Rewards® Points on the first $150,000 spent each calendar year in combined purchases from the top 2 business categories where your business spent the most each billing cycle (then 1x points per dollar). Earn 3x Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com. Earn 1x Membership Rewards® Points on all other purchases.

Earn 70,000 Membership Rewards® points

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can bonus points on the categories where you make the most purchases (from a list of options)
• con icon Two crossed lines that form an 'X'. High annual fee

The American Express® Business Gold Card is a good choice if your business spends a lot in certain categories and you want to earn Membership Rewards points for travel or other redemptions. It's got a high annual fee, but if you can use the card's benefits to your advantage, it can be well worth it.

• Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
• Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
• Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
• Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
• Get $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. $12.95 plus applicable taxes.
• Your Card – Your Choice. Choose from Gold or Rose Gold.
• *Terms Apply

Earn unlimited 5X miles on hotels and rental cars booked through Capital One Travel. Earn unlimited 2X miles on every purchase, with no restrictions or blackout dates.

$95, waived the first year

26.24% Variable

Earn 50,000 miles

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No bonus categories to keep track of
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual fee is waived the first year
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can redeem miles to erase travel purchases from your statement, or you can transfer to various airline and hotel programs
• con icon Two crossed lines that form an 'X'. Not many extra benefits

The Capital One Spark Miles for Business is a solid rewards business credit card to consider if you want to earn a flat rate of rewards that are easy to redeem. This card gives you an unlimited 2 miles for each dollar you spend just about everywhere, and you can redeem them to cover any travel purchases you want.

Best Business Credit Cards for Travel of April 2024

• Ink Business Preferred® Credit Card : Best business credit card overall
• The Business Platinum Card® from American Express : Best business card for premium benefits
• Capital One Venture X Business Card† : Best business credit card for high spenders
• The Blue Business® Plus Credit Card from American Express : Best business credit card for unlimited flat-rate Amex Membership Rewards
• Ink Business Cash® Credit Card : Best business credit card for unlimited flat-rate cashback or Chase Ultimate Rewards®
• American Express® Business Gold Card : Best business card for 4x Amex Membership Rewards categories
• Capital One Spark Miles Select for Business† : Best business credit card for unlimited flat-rate Capital One miles

Business Travel Credit Card Reviews

Travel is a consistent part of running a company for many small business entrepreneurs, and time is the most valuable resource many business owners have. The right travel rewards credit card can save you money and time on travel delays, cancellations, interruptions, and lost baggage issues without costing you more than you already pay for your annual fee. And the best business credit cards for travel offer significantly more value both on the road and back at home. 

The reviews below highlight the best credit cards for business travel in 2024, as chosen by Business Insider's credit card experts.

Best Travel Business Credit Card Overall: Ink Business Preferred® Credit Card

The Ink Business Preferred® Credit Card is a fantastic jack-of-all-trades business credit card for many small business owners. The card comes with a generous sign-up bonus and valuable ongoing bonus categories for a reasonable $95 annual fee. Even better, you'll earn rewards in the form of Chase Ultimate Rewards points , perfect for booking travel. 

This card's benefits include a wide array of trip protection and travel insurance perks such as trip cancellation and trip delay protection to help you recoup some expenses when travel goes awry, primary car rental coverage, and much more. The Ink Business Preferred® Credit Card also offers cellphone protection benefits: When you pay your cellphone bill using this credit card, you and eligible employees alike can claim up to $1,000 per incident in the event of qualifying instances such as phone damage or theft.

Right now, you'll earn 100,000 bonus points after spending $8,000 on purchases in the first three months from account opening. You'll also earn Chase Ultimate Rewards points at the following rates per dollar spent: 

• 3 points per dollar on travel
• 3 points per dollar on shipping purchases
• 3 points per dollar on internet, cable, and phone services
• 3 points per dollar on advertising purchases made with social media sites and search engines
• $150,000 annual cap on 3X bonus earnings on combined purchases (1X thereafter).
• 1 point per dollar on all other spending

Read our full Chase Ink Business Preferred card review to learn more about this business credit card. 

Best Business Card for Premium Travel Benefits: The Business Platinum Card® from American Express

The Business Platinum Card® from American Express is, without a doubt, the perennial premium business travel card, thanks to its extensive array of perks and ability to earn flexible, valuable Membership Rewards points. Although the annual fee of $695 is high, valuable perks like statement credits, airport lounge access, and top-notch travel and purchase protection offset it.

We'll get right to it: The Business Platinum Card® from American Express isn't for every business owner. The earning rates on most categories of spend are low, even compared to many other Amex Membership Rewards cards (see the The Blue Business® Plus Credit Card from American Express below).

Instead, this card shines for its incredible benefits, including annual credit toward a CLEAR verification membership and top-tier airport lounge access to American Express Centurion Lounges , as well as the worldwide Priority Pass network. You'll also receive hundreds of dollars in valuable statement credits for purchases at Dell, Indeed, and Adobe (enrollment required). 

Right now, you'll earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the card within the first three months of card membership. You'll also earn Membership Rewards points at the following rates per dollar spent: 

• 5x on flights and prepaid hotels booked through Amex Travel
• 1.5x on each eligible purchase of $5,000 or more 
• 1.5x on eligible purchases in the US at electronics goods retailers, software, and cloud service providers 
• 1.5x at eligible US shipping providers
• 1.5x on eligible US purchases of construction materials and hardware supplies
• 1x on everything else

The 1.5x categories are capped at a total of $2 million in combined purchases each year — after that, you'll earn 1 point per dollar in these categories.

Read our full Amex Business Platinum card review to learn more about this business card. 

Best Business Credit Card for High Spenders: Capital One Venture X Business Card†

The Capital One Venture X Business Card† is a newcomer on the business credit card scene that heavily rewards big spenders. This card has a $395 annual fee, and comes with a generous welcome bonus of 150,000 bonus miles once you spend $30,000 in the first three months from account opening. However, the hefty spending requirement may be tricky to reach for some small business owners. 

This card's generous benefits include:

• $300 annual credit for travel purchased through the Capital One travel portal
• Priority Pass, Plaza Premium, and Capital One lounge access
• Global Entry or TSA PreCheck credit
• Cellphone insurance
• Rental car benefits and primary insurance coverage
• Travel interruption or cancellation protections
• Anniversary bonus of 10,000 miles 

Read more about this card in our Capital One Venture X business card review . 

Best Business Credit Card for Unlimited Flat-Rate Cash Back or Amex Membership Rewards: The Blue Business® Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American Express is one of our favorite business travel credit cards for its generous 2x Membership Rewards points earn rate on every purchase, all with no annual fee. It's simple, rewarding, and often goes under the radar; essentially, this card is a gem hidden in plain sight. This card is for business owners who need a reliable daily-use credit card that doesn't require planning ahead for bonus categories. 

This credit card comes with a 0% introductory APR (then 18.49% - 26.49% Variable APR) which is valuable for business owners anticipating major purchases coming up.  

One of the best ways to maximize your reward redemptions is to transfer Membership Rewards points to one of many Amex airline and hotel transfer partners including Air Canada Aeroplan, British Airways Executive Club, Marriott Bonvoy, and many more.

Right now, you'll earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the card within your first three months of card membership. You'll also earn rewards at the simple rate of 2 points per dollar on the first $50,000 spent on the card each year, then 1 point per dollar after that. Note that this card carries a foreign transaction fee , so don't bring it abroad. 

Read our full Amex Blue Business Plus credit card review  to learn more about this business credit card. 

Best Business Credit Card for Unlimited Flat-Rate Cash Back or Chase Ultimate Rewards®: Ink Business Cash® Credit Card

The Ink Business Cash® Credit Card is a no-annual-fee business credit card that earns generous cash back on business-related categories while providing useful perks such as purchase and extended warranty protection. For small businesses without major expenses, this is the card to get, especially since you can add employee cards at no additional cost. 

The 0% introductory APR offered on this card is one of the best benefits for new applicants (then 18.49% - 24.49% Variable APR). This perk can help you pay off large expenses over time without incurring interest. 

This is a cashback card on the surface, which means you can redeem your rewards toward travel at a rate of 1 cent per point on the Chase Travel ℠ Portal . However you can level up the value of your Ink Business Cash® Credit Card rewards if you have a card like the Ink Business Preferred® Credit Card, the personal Chase Sapphire Reserve® , or the personal Chase Sapphire Preferred® Card .

When you transfer the rewards from your Ink Business Cash® Credit Card to one of these credit cards that earn Chase Ultimate Rewards points, you get an additional reward redemption option which can be way more lucrative in many cases.  If you go this route, your rewards can be used across the full suite of Chase airline and hotel transfer partners .

Right now, you'll earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening. You'll also earn rewards at the following rates per dollar spent: 

• 5% cash back on up to $25,000 a year in spending at office supply stores and on cable, internet, and phone service
• 2% cash back on up to $25,000 a year in spending at gas stations and restaurants
• 1% cash back on all other spending

The Ink Business Cash® Credit Card charges foreign transaction fees, so it isn't a good card to pack for international travel. 

Read our full Chase Ink Business Cash credit card review to learn more about this business credit card. 

Best Business Card for 4x Amex Membership Rewards Categories: American Express® Business Gold Card

The American Express® Business Gold Card is unique because it automatically earns a powerful — and very business-friendly — 4 points per dollar in your top two spending categories each month, which means you don't have to pick a spend category and commit to it. On top of that, you'll earn valuable Amex Membership Rewards points at the following rates:

• 4X points per dollar on your top two spending categories each quarter, up to a $150,000 annual limit
• 1X points per dollar on other eligible spending

This card has a $375 annual fee.

Read our full Amex Business Gold card review to learn more about this business card. 

Best Business Credit Card for Unlimited Flat-Rate Capital One Miles: Capital One Spark Miles for Business†

There's nothing to memorize here: The Capital One Spark Miles for Business† offers a simple rewards structure so you can purchase what you need without considering bonus categories. You'll earn 2 miles per dollar on pretty much anything. That's it. You can earn a bonus of 50,000 miles once you spend $4,500 on purchases within the first three months from account opening, and the annual fee is $95, waived the first year.

Our guide on how to earn and redeem Capital One miles will offer more in-depth information. But In most cases, you'll get the best value out of your rewards if you transfer your miles to one of Capital One's hotel and airline transfer partners . Alternatively, you have the ability to redeem for airfare, hotels, or rental cars directly on the Capital One Travel portal at a rate of 1 cent per mile. 

Read our full Capital One Spark Miles for Business card review to learn more about this business credit card. 

Business Travel Credit Card Frequently Asked Questions

The Ink Business Preferred® Credit Card is one of the best overall credit cards for small business owners. This card combines generous travel benefits and purchase protection with a great welcome bonus, all for a reasonable $95 annual fee. 

Frequent travelers will want to keep The Business Platinum Card® from American Express close at hand on the road. Premium travel benefits include expedited security access, membership to hundreds of airport lounges worldwide, and significant rebates on travel expenses booked through Amex Travel. 

You can use your business credit card to pay for travel expenses relevant to your company. If you plan to travel internationally, make sure you bring a credit card that doesn't charge foreign transaction fees. 

The Business Platinum Card® from American Express is one of the best business credit cards for people who travel frequently. For a fee, small business owners can request credit cards for employees and authorized users to take advantage of a number of the premium benefits of this card. 

Why You Should Trust Us: How We Chose the Best Business Credit Cards for Travel

Business Insider's credit card reviewers are experts when it comes to business expenses. Not only do many of us own and operate our own small businesses, we also evaluate and compare every credit card on the market on a regular basis. We chose the business credit cards highlighted in this particular guide for the following reasons:

Rewards — Each of the business credit cards on this list provides a minimum of one cent per dollar spent, and some do so without charging an annual fee. These build your business credit score and history while rewarding you for everyday expenses related to your company. 

Travel benefits — Every card on this list of best business credit cards for travel comes with soft benefits that improve the quality of your work life. Whether we're comparing premium travel benefits such as airport lounge access or something basic such as bonus points per dollar spent on travel, each of these cards makes your life as an entrepreneur just a little bit easier or better on the road.  

Value — The cards in this list run the gamut from free to hundreds of dollars per year in annual fees. Some business owners find the high value provided by premium credit cards worth the hefty annual fee (which counts toward your business expenses for the year). Other entrepreneurs prefer cards that don't take additional money out of their wallets. Each of the cards on this list gives back more than it takes, regardless of the annual fee. 

Protection — Purchasing business equipment, supplies and raw materials can be expensive, tedious, and challenging to manage and maintain. The business credit cards we highlighted here offer an extra layer of protection between you and asset loss: Many provide purchase protection and extended warranties, while others may offer a 0% introductory APR period to help you pay off big expenses over time without incurring interest. 

Interested in our evaluations? Learn about Business Insider's review methodology for credit cards .

For rates and fees of The Business Platinum Card® from American Express, please click here.

For rates and fees of The Blue Business® Plus Credit Card from American Express, please click here.

For rates and fees of the American Express® Business Gold Card, please click here.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Trip Delay Insurance, Trip Cancellation and Interruption Insurance, and Cell Phone Protection Underwritten by New Hampshire Insurance Company, an AIG Company. Global Assist Hotline Card Members are responsible for the costs charged by third-party service providers. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers. Extended Warranty, Purchase Protection, and Baggage Insurance Plan Underwritten by AMEX Assurance Company. Car Rental Loss & Damage Insurance Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

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10 Best Business Credit Cards for Travel 2022

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After comparing fees, rewards, bonuses, and more, we found that Capital One’s free Spark 1.5X Miles Select card offers the best value for the most business owners. We’ll tell you all about why we like Spark 1.5X Miles Select―and about nine other cards that might be a good fit―in the article below. 

Best business credit cards for travel

• Spark 1.5X Miles Select : Best overall business credit card for travel
• Spark 2X Miles : Best for flat-rate miles rate
• Delta SkyMiles® Gold Business Card : Best for travel perks
• Ink Business Preferred® credit card : Best for flexible points
• U.S. Bank Business Leverage® Visa Signature® Card : Best for cash back

Compare the best business credit cards for travel

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Spark 1.5X Miles Select: Best overall business credit card for travel

Capital One’s Spark 1.5X Miles Select is our favorite travel business credit card for most business owners.

So what makes it a standout? It starts with the annual fee―or rather, the fact that Spark 1.5X Miles Select doesn’t have one. In fact, it’s the only travel-focuses business card we’ve found with no annual fee . That makes it a great value for all business owners, including those who don’t do enough travel to offset high fees.

We also like that Spark 1.5X Miles Select earns flat-rate rewards. It doesn’t matter if you’re traveling to a conference, buying your team lunch, or just getting more printer paper. No matter how you spend, this card lets you earn a decent amount of miles.

Now, other cards do let you earn more miles. So if you’re really trying to maximize your miles, Spark 1.5X Miles Select may not be the card for you. But if you want to earn miles without planning your spending, this card does the job.

Likewise, Spark 1.5X Miles doesn’t have a ton of travel perks. Capital One will tell you if flight prices drop (and even refund you after you book), and you don’t pay foreign transaction fees. But don’t expect free checked baggage, a travel lounger, or other top-tier perks.

All the same, Spark 1.5X Miles offers a simple way to earn miles for travel―without worrying about an annual fee. That makes it flexible enough for most business owners, which is why Spark 1.5X Miles is our top business credit card for travel.

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Spark 2X Miles: Best flat-rate miles rate

Like the idea of a flat rewards rate, but want to earn even more? Then Spark 2X Miles could be your perfect business credit card.

Spark 2X Miles lets you earn miles at a flat rate, just like Spark 1.5X Miles Select. But Spark 2X Miles earn more miles per dollar, meaning you’ll rack up free travel faster. Plus, Spark 2X Miles gets you some added perks. You’ll get a credit to put toward Global Entry or TSA Precheck, for example. And you get access to Capital One airport loungers, including two free visits each year.

Of course, you will have to pay more to get all these benefits. Spark 2X Miles has an annual fee (after your first year), though it’s a pretty affordable one. You’ll also pay a high APR if you carry a balance on your Spark 2X Miles card, so we highly recommend paying this one off each month (which is a good practice for all business credit cards).

But simply put, Spark 2X Miles earns you plenty of flat-rate miles and gives you other travel perks―without breaking the bank.

Delta SkyMiles® Gold Business Card: Best for travel perks

Looking for a great balance of travel perks and price? Then check out the Delta SkyMiles® Gold Business Card.

Aside from earning miles on your purchases, the Delta SkyMiles® Gold Business Card rewards you with some great travel benefits. You’ll get a free checked bag on Delta flights, for instance, along with priority boarding. Plus, you’ll save on travel. The Delta SkyMiles® Gold Business Card gives you a $100 Delta flight credit each year (after you spend $10,000) and offers a 20% discount on in-flight purchases.

But this card does have an annual fee (aside from your first year), so make sure those benefits outweigh that cost. And keep in mind, while this card has nice perks, it’s not a super high earning card. You max out a 2X miles for Delta, restaurant, shipping, and advertising purchases. Everything else? Just 1X miles.

All the same, the Delta SkyMiles® Gold Business Card offers a nicer travel experience with a reasonable annual fee.

Ink Business Preferred® credit card: Best for flexible points

If you don’t always want to redeem rewards for travel, Chase’s Ink Business Preferred® credit card can give you more flexibility.

The Ink Business Preferred® credit card earns points instead of miles (and luckily, you can earn them at a pretty high rate for travel, shipping, advertising, and more). You can redeem those points for travel, if you want. In fact, Chase gives you 25% for each point when you redeem for travel. But if you’d rather get cash one month or merchandise the next, the Ink Business Preferred® credit card gives you that option.

Like other cards on this list, the Ink Business Preferred® credit card has an annual fee―and its fee never gets waived at all. So as always, do some math before committing to this card and its fee. And note that this card comes with a generous welcome bonus, but you have to spend a lot ($15,000) to get it. In other words, this card works best for bigger spenders.

If that meets your business needs, though, the Ink Business Preferred® credit card can give you more flexibility than a travel-specific credit card.

U.S. Bank Business Leverage® Visa Signature® Card: Best for cash back

Prefer to get straight up cash? The U.S. Bank Business Leverage® Visa Signature® Card is a cash back business credit card ―but it has a couple extras to reward your travel.

With the U.S. Bank Business Leverage® Visa Signature® Card, you earn 1% on most purchases, but you get 2% cash back in your top two spending categories. Those categories can include travel-related ones like airlines, car rental, gas stations, and hotels. But U.S. Bank gives you 5% cash back (an excellent rate) on prepaid hotels and prepaid car rentals―rewarding you even more for your travels.

The catch? You have to book those car rentals and hotels through U.S. Bank’s Travel Rewards Center―not the most convenient way of doing things. And the U.S. Bank Business Leverage® Visa Signature® Card is another card that has an annual fee after your first year, so you’ll want to make sure you travel enough to get your money’s worth. 

But for basic cash back―with a little extra for travel―the U.S. Bank Business Leverage® Visa Signature® Card is a solid option.

Want affordable banking with great perks? With Bluevine, you can get a fee-free business checking account―and you can even earn up to $5,000 in interest.

Honorable mentions

Haven’t seen the right credit card for your small business yet? Then maybe one of our five honorable mentions will interest you.

• CitiBusiness®/AAdvantage® Platinum Select® Mastercard® : Best for American Airlines travel
• Business Gold Card : Best credit limit
• Business Platinum Card® : Highest points rate
• Delta SkyMiles® Platinum Business Card : Highest miles rate
• Delta SkyMiles® Reserve Business Card : Best for heavy travel

Compare honorable mention business credit cards for travel

Citibusiness®/aadvantage® platinum select® mastercard®: best for american airlines travel.

We’ve already shown you that American Express has some great deals for Delta customers―but what if you fly American Airlines? In that case, take a look at the CitiBusiness®/AAdvantage® Platinum Select® Mastercard®.

The CitiBusiness®/AAdvantage® Platinum Select® Mastercard® earns extra miles for American Airline purchases―plus it saves you 25% on in-flight purchases. As you might expect, it also gets you a free checked bag and preferred boarding. And if you spend $30,000 with your card in one year, you earn an American Airlines Companion Certificate.

You will have to pay an annual fee after year one, so make sure you travel enough on American Airlines to justify the CitiBusiness®/AAdvantage® Platinum Select® Mastercard®.

Business Gold Card: Best credit limit

Looking for a high-limit business credit card ? Then we think American Express’s Business Gold Card will interest you.

With the Business Gold Card, you don’t have a strict credit limit. Instead, American Express gives you an adaptable spending limit. It automatically adjusts based on your card usage (and repayments), meaning you can get more buying power without calling to ask for a credit limit bump.

The Business Gold Card earns points, not miles. But you can earn a 4X rate in your top categories (like airfare), and you can get points back for booking travel through American Express. That just might make the $295 annual fee―the highest so far―worth it. 

Business Platinum Card®: Highest points rate

If you like the idea of earning flexible points (like with the Ink Business Preferred® credit card) but you want the highest possible rate, you need American Express’s Business Platinum Card®.

The Business Platinum Card® earns up to 5X points on flights and hotels, making it one of the top-earning business credit cards. Plus, you can usually get a generous welcome offer that earns you even more points. And to sweeten things further, this card gets you access to American Express airport lounges, gives you a baggage fee credit, and has several other travel perks.

Those benefits come at a high cost, though. The Business Platinum Card® is the most expensive card on this list, with an annual fee of almost $700. So it’s not right for all business owners―but it can get you a very high points rate.

Delta SkyMiles® Platinum Business Card

If you’d rather get a top-notch rate on miles than points, then you’ll like the Delta SkyMiles® Platinum Business Card.

Delta SkyMiles® Platinum Business Card earns up to 3X miles on travel through Delta. And like other American Express cards, it offers great welcome bonuses when you open your card. This Delta-branded card also gets you travel benefits like priority boarding, a free checked bag, and (paid) access to the Delta Sky Club. You even get a companion certificate each year when you renew.

But as you can guess from seeing other AmEx cards, this one has a hefty annual fee. And while the 3X max rewards rate is great, it only applies to travel. So if you want a high rate on everyday spending, you may prefer a different credit card.

Delta SkyMiles® Reserve Business Card: Best for heavy travel

Our final pick is only for very frequent fliers. But if that’s you, the Delta SkyMiles® Reserve Business Card has all sorts of great benefits.

For starters, you earn 3X miles on travel. Rather than having a welcome bonus, though, this card lets you earn 15,000 bonus miles whenever you spend $30,000 in one year. You can even earn that bonus more than once a year. You’ll also enjoy travel perks like complimentary airport lounge access, a companion certificate, concierge assistance, free checked bags . . . and so on.

In other words, the Delta SkyMiles® Reserve Business Card offers some of the best travel perks we’ve seen. But with a $550 annual fee, only regular travelers will be able to justify this pricey business credit card.

The takeaway

The Spark 1.5X Miles Select credit card from Capital One is our top business credit card for travel. It has no annual fee, earns flat-rate rewards and starts you off with a (with a 16.99%–26.99% variable APR after). That means it provides plenty of value for all kinds of business owners.

To earn even more miles at a flat rate, you can upgrade to the Spark 2X Miles card from Capital One. For airline-specific perks, we suggest American Express’s Delta SkyMiles® Gold Business Card. Business owners wanting more flexibility than simple miles will like the points rewards from Chases’s Ink Business Preferred® credit card. And the U.S. Bank Business Leverage® Visa Signature® Card offers basic cash back while giving you extra rewards for your travel.

Safe travels!

Found the right travel card for your small business? Find out how to apply for a business credit card and start earning those miles.

Related reading

• Best Instant Approval Credit Cards 2023
• 5 Best Business Credit Cards for Balance Transfer 2023
• Best 0% Interest Business Credit Cards 2023
• How to Get a High-Limit Business Credit Card
• What’s the Difference Between a Business Credit Card and Corporate Credit Card?

Methodology

We analyzed more than three dozen credit cards to find the best business credit cards for travel. We narrowed things down by looking for business cards that offered miles rewards, travel perks, or extra value for redeeming travel. Then we scored those credit cards based on their fees, purchase APR, rewards rate, and more.

Choosing the right business credit card for travel

While we do like the Spark 1.5X Miles Select card for many business owners, you should know that there’s no one-size-fits-all business credit card for travel. (In fact, there’s no one-size-fits-all small-business credit card at all.) Instead, you need to find the card that works with your business needs and habits.

So as you shop for a travel credit card for your business, think about these questions:

How often do you travel?

Frequent travelers may want lots of perks for their trips―like lounge access, companion passes, priority boarding, and more. If you travel enough, a $550 annual fee might feel worthwhile to get those perks.

But for business owners that travel every once in a while, a lower-fee card with fewer perks might be a better fit.

How do you travel?

Consider what airlines you use. If you mostly use American Airlines, for instance, getting the CitiBusiness/AAdvantage Platinum Select card could make a lot of sense. But that card won’t offer as much for Delta customers. Instead, they should get an American Express Delta SkyMiles card.

On the other hand, travelers that don’t fly as much may prefer a flat-rate card (like the Spark cards from Capital One) that reward you just as much for car rentals, hotels, and other traveling expenses.

Would you like more flexibility?

It’s great to get miles for free travel, but maybe you’d rather get a more flexible kind of reward. In that case, you can look for business credit cards that reward you with cash back or points.

Some of these (like Chase’s Ink Business Preferred) still give you some nice rewards for traveling, but they give you more options for using those rewards.

Travel business credit card FAQ

Yes, you can use your business credit card for travel―as long as it’s business travel.

Capital One’s Spark 1.5X Miles Select is the best business credit card to use while traveling (in most cases). It earns flat-rate miles on all your purchases and has no annual fee, making it a good value for all traveling business owners.

If you travel a lot, though, you may prefer a business credit card with more travel perks like the Delta SkyMiles® Gold Business Card.

Yes, most credit card companies let you use your business credit card rewards points for personal travel. But when in doubt, ask your credit card company for its policy.

Yes, you can use an EIN to get a business credit card .

At Business.org, our research is meant to offer general product and service recommendations. We don't guarantee that our suggestions will work best for each individual or business, so consider your unique needs when choosing products and services.

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Best business credit cards for travel

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Whether you run a major corporation, own a small family business or have a side hustle that brings in part-time income, having a dedicated business credit card can help you in more ways than one. Not only can a business credit card help you keep your personal and business spending separate for bookkeeping and tax preparation purposes, but a credit card will allow you to borrow money for important business expenses in a pinch.

The best business credit cards for travel also let business owners earn points or miles for each dollar their business spends, and that’s on top of the travel perks they offer. Many of the best also offer flexible redemption options you can take advantage of even during times when you’re not traveling at all, whether that means you can cash in your points for statement credits, gift cards or merchandise.

Comparing the top business travel credit cards

A closer look at the best business travel credit cards, delta skymiles® reserve business american express card: best for delta airlines loyalists.

• Rewards: 3X miles on Delta purchases; 1X miles on all other purchases or 1.5X miles on purchases for the rest of the year after spending $150,000 in one calendar year
• Welcome bonus: Earn 70,000 Bonus Miles after spending $5,000 in purchases on your new card in your first 3 months of card membership
• Annual fee: $550

For brand loyalists, the Delta SkyMiles Reserve Business American Express Card is considered the strongest of Delta’s branded cards, earning 3X miles per dollar spent on flights, seat upgrades, and eligible in-flight purchases. Cardholders enjoy a number of luxury perks, including complimentary travel concierge services, priority boarding, a free first-checked bag, Delta lounge access, and travel insurance.

For business owners who are frequent flyers, the card’s Status Boost feature can earn up to 15,000 Medallion® Qualification Miles (MQMs) up to four times per year. Companion traveler perks include an annual complimentary companion certificate and two complimentary SkyClub guest passes each year — both of which are especially valuable if you plan on booking an expensive trip that you’d like to take a colleague, client or guest on. The card’s current welcome offer is 70,000 bonus miles after only $5,000 in purchases during the account’s first 3 months.

United℠ Business Card: Best for United Airlines travelers

• Rewards: 2X miles on United Airlines purchases, dining, at gas stations, on office supplies and on local transit and commuting; 1X miles on all other purchases
• Welcome bonus: 75,000 bonus miles after you spend $5,000 in the first 3 months
• Annual fee: $0 introductory annual fee for the first year, then $99

The United Business Card earns boosted rewards for purchases made through United Airlines and on some common spending categories (dining, gas stations, office supplies, local transit/commute costs). For travelers looking to earn rewards both through airline-specific purchases and on everyday business expenses, this card offers a benefit that works with both.

This card’s welcome offer currently gives a 75,000 bonus-mile reward after $5,000 in purchases made in the first 3 months of the account being open. When combined with the introductory $0 annual fee, cardholders will see a hefty benefit in the first year. Travelers who carry a personal United credit card in tandem with this business card can earn a 5,000-mile credit annually X — a significant ongoing benefit for those who travel using United Airlines both professionally and for leisure travel.

The Hilton Honors American Express Business Card: Best for Hilton hotel regulars

• Rewards: 12X points on hotels and resorts in the Hilton portfolio, 6X points on U.S. gas stations, U.S. cellphone service providers and U.S. shipping purchases and purchases at U.S. restaurants, airfare booked through Amex Travel and select car rentals. 3X points on all other purchases
• Welcome bonus: 130,000 Hilton Honors Bonus Points after you spend $3,000 in the first three months of card membership
• Annual fee: $95

The Hilton Honors American Express Business Card is the only Hilton-brand business credit card available — maybe because, with rewards like these, no other product is necessary. Purchases made at any of 7,000+ Hilton portfolio hotels and resorts internationally earn a whopping 12X points: excellent news if your business travel has you staying in hotels regularly. Even if you only travel occasionally for work, a 6X earning rate on regular expenses (cell phone service, U.S. gas station and restaurant purchases) can keep you earning toward your next trip.

Though there is a $95 annual fee on this product, it doesn’t take much in hotel stays to offset the cost: a mere $528 on Hilton brand hotel stays, to be exact. Cardholders enjoy complimentary Gold Status, earning every fifth night free on reward stays, among a bevy of other Hilton-specific perks. With hotels everywhere from small-town America to large international destinations, business travelers who choose Hilton can maximize their benefits by carrying this card.

Marriott Bonvoy Business® American Express® Card: Best for business road warriors

• Rewards: 6X Marriott Bonvoy Points at hotels participating in the Marriott Bonvoy® program, 4X points at restaurants worldwide and U.S. gas stations, 4X points on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping and 2X points on all other purchases
• Welcome bonus: Limited Time Offer: Earn 125,000 Bonus Marriott Bonvoy Points after you use your new Card to make $5,000 in purchases within the first 3 months of Card Membership. (Offer ends 5/3/23)
• Annual fee: $125

The Marriott Bonvoy Business American Express Card offers both hotel-specific benefits for travelers and built-in protections on luggage, car rentals, and purchases made with the card. For business owners who want both the benefit of boosted earnings on hotel stays and a standard contingency plan for lost luggage or car rentals, this account is a solid contender. Cardholders receive complimentary Gold Elite status at Marriott Bonvoy properties.

For travelers who require frequent rental cars and hotel stays, the perks of this card make it a natural contender. The account’s current welcome offer equates to about $875 to redeem toward Marriott stays, but loyalty points can also be redeemed for gift cards at various restaurants and retailers.

Ink Business Preferred® Credit Card: Best for flexible rewards

• Rewards: Earn 3X points on the first $150,000 spent each year on travel, shipping purchases, Internet, cable and phone services, and advertising purchases with social media sites and search engines (then 1X points) and 1X points on all other purchases
• Welcome bonus: Earn 100,000 bonus points when you spend $15,000 on qualifying purchases within three months of account opening

The Ink Business Preferred Credit Card is incredibly popular with business owners thanks to the fact that it doles out Chase Ultimate Rewards points. Rewards you earn with this card can be used to book travel directly through the Chase travel portal, but you can also transfer your points to Chase airline and hotel partners at a 1:1 basis. This means that 100,000 Chase Ultimate Rewards points earned with this card can be turned into 100,000 Southwest Rapid Rewards points or United miles, or even 100,000 World of Hyatt or Marriott Bonvoy points.

The Ink Business Preferred is currently offering a welcome bonus of 100,000 points (worth $1,250 in travel when you redeem through Chase Ultimate Rewards®) after you spend $15,000 on qualifying purchases with your card within three months of account opening. You’ll also get the chance to earn 3X points per $1 on up to $150,000 spent on travel, shipping purchases, internet, cable and phone purchases, and advertising with social media sites and search engines (then 1X points) and 1X points on everything else. A $95 annual fee applies, but the first-year bonus makes up for it several times over.

The Business Platinum Card® from American Express: Best for luxury travel perks

• Rewards: Earn 5X Membership Rewards points on flights and prepaid hotels booked with AmexTravel.com, as well as 1.5X points on purchases over $5,000; earn 1X points on other purchases
• Welcome bonus: Earn 120,000 Membership Rewards points when you spend $15,000 within three months of account opening
• Annual fee: $595 ($695 if the application is received on or after Jan. 13, 2022)

The Business Platinum Card from American Express lets consumers earn 5X points on flights and prepaid hotels booked through AmexTravel.com. Cardholders also earn 1.5X points for purchases over $5,000, which highly favors businesses that have a lot of high-dollar expenses throughout the month.

The welcome offer to look forward to includes earning 120,000 Membership Rewards points after you spend $15,000 on eligible purchases with the card within the first three months.

When it comes to redeeming your rewards, keep in mind that the American Express Membership Rewards program is versatile and flexible. Points in this program can be used to book travel directly through AmexTravel.com, redeemed for gift cards or merchandise, or transferred to popular airline and hotel partners.

It’s also important to note that, when you redeem points for eligible airfare with this card, you’ll get 35 percent of your points back (up to 500,000 back per year).

Consider this card if you want luxury perks and generous statement credits

In terms of major travel benefits, the Amex Business Platinum comes with no foreign transaction fees, a $200 airline fee credit each year, up to a $100 credit for Global Entry or TSA PreCheck membership every five years, up to $179 back per year on a Clear membership, the ability to visit Priority Pass Select or Centurion airport lounges and more.

All in all, the card comes with more than $2,500 in annual statement credits, including those on certain business expenses, such as up to $400 in Dell purchases (terms apply), up to $360 in Indeed hiring products ($90 per quarter), up to $150 with Adobe and up to $120 on U.S. wireless telephone purchases ($10 per month).

The Blue Business® Plus Credit Card from American Express: Best with no annual fee

• Rewards: Earn 2X Membership Rewards points on the first $50,000 you spend each year, then 1X points
• Welcome offer: 15,000 Membership Rewards points if you spend $3,000 within the first three months of account opening
• Annual fee: $0

The Blue Business Plus Credit Card from American Express offers the chance to earn valuable American Express Membership Rewards points without paying an annual fee. In fact, you’ll earn 2X points on the first $50,000 you spend each year with your card (then 1X points), which gives you the unique opportunity to earn more than the standard 1X points per dollar on most of your business spending.

Like other cards within this program, the Amex Blue Business Plus lets you book travel directly through AmexTravel.com, transfer points to popular airline and hotel partners, or redeem points for gift cards or merchandise. If you have other cards that earn Amex Membership Rewards points, your rewards points can all be pooled in a single account.

Consider this card if you want to earn travel rewards with no annual fee

Many of the top credit cards for business travelers charge an annual fee, but this card gives you the rewards you want without having to pay one.

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card: Best for flexible travel redemptions

• Rewards: Earn 1.5X points on all regular purchases and 3X points on travel booked through the Bank of America travel center
• Welcome bonus: Earn 30,000 bonus points (worth $300 in statement credit toward travel) when you spend $3,000 on your card within 90 days of account opening

The Bank of America Business Advantage Travel Rewards World Mastercard credit card lets consumers rack up a flat 1.5X points for all regular spending on their card, but travel purchases made through the Bank of America travel portal net 3X points for each dollar spent. The initial bonus of 30,000 points is easy to earn with just $3,000 in spending required within the first 90 days, and this card doesn’t have an annual fee for business owners to worry about.

Also, if you’re a Bank of America Preferred Rewards customer, you can earn up to 75 percent more rewards for each dollar you spend on your card. Interestingly, this card also comes with a 0 percent intro APR on purchases for nine billing cycles, followed by a variable APR of 12.24 percent to 22.24 percent. This perk can help business owners pay down large purchases without any interest for a limited period of time.

Consider this card if you want flexible redemptions

A major benefit to consider with the Bank of America Business Advantage Travel Rewards World Mastercard is just how flexible the redemption options are. Not only can you redeem your rewards for any travel purchase charged to your card, but you can cash them in for travel purchases through the Bank of America Travel Center. When you’re not traveling, you can also cash in your points for cash back or gift cards.

Capital One Spark Miles for Business: Best flat-rate travel credit card

• Rewards: Earn a flat 2X miles for each dollar you spend
• Welcome bonus: Earn 50,000 bonus miles when you spend $4,500 on your card within three months of account opening
• Annual fee: $0 intro for the first year, $95 after that

Business owners who don’t want to deal with complex loyalty programs or rewards structures should consider the Capital One Spark Miles for Business . Once you sign up, you’ll earn a flat 2X miles for each dollar you spend, and you’ll get the chance to cash in your miles for travel purchases at a rate of 1 cent per mile. You can redeem rewards for hotel stays, flights, vacation packages and more. You can also transfer miles earned with this card to several Capital One airline and hotel transfer partners , such as Accor, Air Canada and Asia Miles.

With this card, you can earn a one-time bonus of 50,000 miles after you spend $4,500 on your card within the first three months. Your miles never expire as long as the account is in good standing, and there’s no limit to the number of miles you can earn. This card does have a $95 annual fee, but it’s waived the first year. Plus, you can receive up to a $100 credit for one Global Entry or TSA PreCheck application fee.

Consider this card if you want to earn a flat rate of travel rewards for each dollar your business spends

Earning a flat 2X miles for each dollar you spend can be attractive if you don’t want to keep track of complicated rewards schemes. This card also comes with free employee cards, so you can earn flat-rate rewards on purchases your employees make as well.

Is a business travel credit card right for you?

Assess your business travel habits.

Taking note of your own travel habits can help you to maximize the benefits of a business travel credit card. Are you a frequent flyer with a particular airline? Would you benefit from additional rental car coverage, or do you frequent restaurants on the road? Decide what travel perks would benefit you most, then look for a business travel card that maximizes those rewards. If there is no significant pattern to your travel habits, look for a card that has flexible benefits.

Decide which travel perks you want

Many of the top travel credit cards for small business owners come with travel benefits like airport lounge access, airline fee credits or fee credits for Global Entry or TSA PreCheck membership. While you’ll pay a higher annual fee for a card with any of these perks, the investment can be worth it if you travel often.

Look for rewards flexibility

If you’re not traveling a lot right now, you should also make sure you have plenty of options when it comes to cashing in your rewards. The best small business credit cards for travel let you cash in points for flexible travel redemptions or for statement credits, merchandise or gift cards.

Compare fees and interest rates

There’s nothing wrong with paying the annual fee on a business credit card if the rewards or cardholder perks make up for it. Still, you should take the time to compare cards and their fees, as well as the long-term interest rate you might pay.

If you plan to carry a balance, you should look for cards that offer 0 percent interest for a limited time. If you travel outside of the country often, you’ll want to look for a business card that doesn’t charge foreign transaction fees .

How to choose a business credit card for travel

If you’re struggling to figure out which travel business cards to consider, you should know you’re not alone. The following tips can help you sort through the best business cards for travel based on the flexibility you need and how much you’re willing to spend.

The bottom line

The best travel business cards can help you earn rewards and gain access to special benefits, but one type of card may leave you better off than another. Make sure to compare all of your options side-by-side before you sign up for a business credit card, and only sign up once you have found one that suits your needs, goals and lifestyle.

All information about the Bank of America® Business Advantage Travel Rewards World Mastercard® credit card and Capital One Spark Miles for Business review has been collected independently by Bankrate and has not been reviewed or approved by the issuer.

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Find the best credit card for you

The best business credit cards for travel of may 2024, these cards offer valuable travel rewards and perks like airport lounge access and free hotel nights..

Terms apply to American Express benefits and offers. Visit  americanexpress.com  to learn more.

There are many different types of business credit cards available, but the best ones are generally those that earn travel rewards .

The rewards you earn with business travel credit cards can be used to book flights or hotel stays for your employees or even fund your next vacation. These cards may also offer statement credits, no foreign transaction fees and travel or purchase protections , which provide additional value outside of the rewards you can earn.

Below, CNBC Select details the best small business travel credit cards. We look at the rewards and costs of each card, so you can make the best choice for your small business or side hustle. (See our methodology for more information on how we choose the best business credit cards for travel.)

Best business travel credit cards

• Best for travel rewards: Ink Business Preferred® Credit Card
• Best for no annual fee: The Blue Business® Plus Credit Card from American Express (See rate and fees )
• Best for flexible spending categories: The American Express® Business Gold Card
• Best for premium travel perks: The Business Platinum Card® from American Express
• Best for hotels: IHG One Rewards Premier Business Credit Card
• Best for domestic flights: Southwest® Rapid Rewards® Performance Business Credit Card

Best for travel rewards

Ink business preferred® credit card.

Earn 3X points per $1 on the first $150,000 spent in combined purchases in select categories each account anniversary year (travel; shipping purchases; internet, cable and phone services; and advertising purchases with social media sites and search engines), 1X point per $1 on all other purchases

Welcome bonus

Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

Regular APR

21.24% - 26.24% variable

Balance transfer fee

Either $5 or 5% of the amount of each transfer, whichever is greater

Foreign transaction fee

Credit needed.

Good/Excellent

Terms apply.

Read our Ink Business Preferred® Credit Card review.

• Free employee cards
• Points are worth 25% more when you redeem for travel through Chase TravelSM
• 1:1 point transfer to leading frequent travel programs
• No fee charged on purchases made outside the U.S.
• Generous welcome bonus worth up to $1,000
• $95 annual fee
• No introductory 0% financing offers for purchases or balance transfers

Who's this for? The Chase Ink Business Preferred is an ideal fit for businesses that spend heavily on travel, shipping , internet, advertising (with social media sites or search engines) or cable and phone services.

Standout benefits: What makes this such a great business card for travel is the options you have for redeeming the points you earn. You can use Chase Ultimate Rewards® points to book travel through the Chase Travel SM at a rate of 1.25 cents per point (25% more value than redeeming for cash back) or transfer them to 14 airline and hotel partners. The Ink Business Preferred also has a variety of travel insurance and purchase protection benefits, which can save your business money when things go wrong.

[ Jump to more details ]

Best for no annual fee

The blue business® plus credit card from american express.

Earn 2X Membership Rewards® points on everyday business purchases up to $50,000 per year, then 1X point per dollar

Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.

0% for 12 months on purchases from date of account opening

18.49% - 26.49% variable; APRs will not exceed 29.99%

See rates and fees , terms apply.

• No annual fee
• Straightforward rewards program
• 2.7% foreign transaction fee

Who's this for? The Blue Business Plus Credit Card from American Express is a simple, yet rewarding, card that's a good choice for anyone who's just starting a business venture.

Standout benefits: The American Express Blue Business Plus card earns American Express Membership Rewards® points , which are some of the best travel rewards you can earn.

Best for flexible spending categories

American express® business gold card.

Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap. 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.

Earn 70,000 Membership Rewards points after you spend $10,000 on eligible purchases within the first three months of card membership

Not applicable

19.49% - 28.49% variable

• Get 25% points back when you use points for flights
• Flexible solutions for managing cash flow
• No foreign transaction fee
• No cost to add up to 99 employee cards
• $375 annual fee
• No introductory APR offer

Who's this for?  The American Express Business Gold Card is ideal for businesses whose primary expenses change month to month. Rather than having fixed bonus categories, with this card, you'll automatically earn elevated rewards for your 2 highest-spend categories each billing cycle from six eligible categories, allowing for maximum flexibility. While your top two categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.

Standout benefits: The six categories in which you can potentially earn bonus points, including airfare, U.S. advertising, U.S. shipping, computer purchases from U.S. providers, U.S. gas stations and U.S. restaurants. The card also provides a 25% airline bonus that lets you get some of your points back when you use Pay with Points to book flights, access to various expense management tools, *baggage insurance, trip delay insurance, car rental loss and damage insurance and no foreign transaction fees (see rates and fees ).

Best for premium travel perks

The business platinum card® from american express.

Earn 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com and 1X points for each dollar you spend on eligible purchases. Also, earn 1.5X points (that's an extra half point per dollar) on each eligible purchases at US construction material, hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.

 Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.

Excellent/Good

• Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®
• Get 35% points back when you use points to purchase all or part of an airline fare, up to 500,000 bonus points back per calendar year
• American Express Global Lounge Collection
• Breeze through security with CLEAR® Plus where available and get up to $189 back per year on your membership when you use your card. (subject to auto-renewal)
• Up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your card
• $695 annual fee
• No introductory 0% financing offers

Who's this for? The Business Platinum Card from American Express is ideal for business owners who frequently travel and enjoy luxury benefits.

Standout benefits: Cardholders enjoy a long list of premium perks, including complimentary airport lounge access , a statement credit for  Global Entry  or TSA PreCheck® , shopping credits, comprehensive travel insurance, complimentary hotel loyalty program status, rental car benefits and more. Plus, the Business Platinum Card earns valuable Membership Rewards points , which can be used to book just about any type of travel.

Best for hotels

Ihg one rewards premier business credit card.

Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts, 5X points per dollar spent on travel and at gas stations, restaurants and dining, social media and search engine advertising and at office supply stores, 3X points per dollar spent on all other purchases

Limited Time offer! Earn up to 175,000 Bonus Points. Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening. Plus, earn 35,000 Bonus Points after spending a total of $7,000 in the first 6 months from account opening.

21.49% - 28.49% variable

Member FDIC. Terms apply.

• Annual free night
• Great for spending with IHG hotels
• Reasonable annual fee
• Not as rewarding for most spending
• No intro-APR offer
• Hefty balance transfer fee

Who's this for? The to IHG One Rewards Premier Business Credit Card can help small business owners quickly turn their expenses into free nights across IHG's 18 hotel brands, such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®.

Standout benefits: The biggest benefit of this card is an annual free night certificate valid and IHG hotels costing up to 40,000 points per night. Cardholders also enjoy VIP treatment with IHG One Rewards Platinum Elite status (as long as you remain a Premier cardmember), as well as up to $50 worth of United TravelBank Cash each year and a Global Entry, TSA PreCheck or NEXUS application fee credit. Plus, cardholders get a fourth night free when redeeming points for a consecutive four-night IHG® hotel stay.

Best for domestic flights

Southwest® rapid rewards® performance business credit card.

Earn 4X points on Southwest® purchases; 3X points on Rapid Rewards® hotel and car rental partners; 2X points on rideshare; 2X points on social media and search engine advertising, internet, cable, and phone services; 1X points on all other purchases

Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.

$199 applied to first billing statement

5%, minimum $5

Foreign transaction fees

Member FDIC. See our methodology , terms apply.

• Bonus counts toward earning a Southwest Companion Pass
• Generous ongoing benefits
• Higher annual fee
• Not as rewarding as other cards for certain purchases

Who's this for? The Southwest Rapid Rewards Performance Business Credit Card is geared toward business owners who want to save money and get special perks when flying Southwest and potentially earn the Southwest Companion Pass , which over time would allow them to save even more.

Standout benefits: This card comes with a handful of helpful travel benefits, such as bonus points every account anniversary, in-flight WiFi credits, upgraded boardings, a TSA PreCheck or Global Entry application fee credit and an opportunity to fast-track Southwest elite status or the coveted Southwest Companion Pass.

More on our top business travel cards

The Chase Ink Business Preferred is an excellent business card with useful benefits, valuable rewards and a generous welcome bonus.

• 3X points per dollar on the first $150,000 spent in combined purchases in select categories each account anniversary year (travel; shipping purchases; internet, cable and phone services; and advertising purchases with social media sites and search engines)
• 1X point per dollar spent on all other purchases

Earn 100,000 points after you spend $8,000 on purchases in the first three months from account opening.

Notable   perks

You can use Chase Ultimate Rewards® points to book travel through Chase Travel SM at a rate of 1.25 cents per point, which is a 25% increase in value compared to using the points for cash back.

The Ink Business Preferred also gives you the ability to transfer Chase points to numerous hotel and airline partners at a 1:1 ratio. Having the ability to transfer your points unlocks all sorts of redemption possibilities. For example, you could transfer points to World of Hyatt and book an all-inclusive resort stay in the Caribbean or transfer points to Aeroplan, Avianca or United and book cheap business-class flights to Europe on Star Alliance carriers.

This card also has built-in insurance coverage that automatically applies to eligible purchases, such as cell phone protection , purchase protection and extended warranty coverage. When you pay for eligible travel with the card, you'll also get insurance for rental cars (collision only), trip delays, trip cancellations/interruptions and baggage delays.

[ Return to card summary ]

The Blue Business Plus Credit Card from American Express has no annual fee (see rates and fees ) and earns an above-average return on general, everyday expenses .

• 2X points per dollar on the first $50,000 spent per year on everyday business purchases (then 1X point per dollar thereafter)

Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the card within your first 3 months of card membership. 

$0 (see rates and fees )

The American Express points you earn with this card transfer to 19 airline and hotel loyalty programs. With so many travel partners, there are lots of possibilities for maximizing your Amex points . Plus, American Express frequently offers transfer bonuses , which further increase the value of your points.

Other perks of the Blue Business Plus Credit Card from American Express include access to expanded buying power , extended warranty coverage, purchase protection, rental car insurance and the ability to link with Quickbooks for simplified accounting.

The American Express® Business Gold Card

The American Express Business Gold Card is one of the best business cards for maximizing your spending. It offers flexible bonus reward categories based on where your business spends the most.

• 4X points per dollar on two select categories where you spend the most each month (on up to $150,000 in combined purchases from these categories each calendar year)

Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.

$375 (see rates and fees )

In addition to transferring their points to Amex's various airline and hotel partners, cardholders can redeem their points toward eligible airfare booked through the  Amex Travel Portal  and receive a 25% points rebate (up to 250,000 points per calendar year). The rebate applies to business and first class tickets on any airline, or any class on your selected qualifying airline.

Cardholders can also take advantage of expense management tools like the American Express ®  Business App, year-end summaries and Vendor Pay by Bill.com and enjoy peace of mind with coverages like *baggage insurance, trip delay insurance and car rental loss and damage insurance.

The Business Platinum Card from American Express is a premium business card loaded with perks that help justify its steep annual fee .

• 5X points per dollar spent on flights and prepaid hotels on AmexTravel.com
• 1.5X points per dollar spent on eligible purchases at U.S. construction material, hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else (on up to $2 million of these purchases per calendar year)

Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership. 

$695 (see rates and fees ).

The Business Platinum Card from American Express has a long list of notable perks, including the following statement credits:

• Global Entry ($100) or TSA PreCheck® (up to $85) application fee credits
• $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®
• Up to $90 per quarter for all Indeed products and services (up to $360 annually)
• Up to $10 per month in credit for purchases with U.S. wireless phone providers
• Up to $150 for select Adobe prepaid annual plans for teams with Creative Cloud and Acrobat Pro DC. Enrollment required. 
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.

It also grants cardmembers access to over 1,400 airport lounges through the American Express Global Lounge Collection gold elite status with Marriott Bonvoy and Hilton Honors (enrollment required) and rental car benefits with National , Avis and Hertz . The card also offers *cell phone protection, trip delay insurance and trip interruption/cancellation coverage. Plus, cardholders can receive a 35% points rebate (up to 1,000,000 points per calendar year) on eligible airfare booked through Amex Travel using Amex's Pay with Points program.

The IHG One Rewards Premier Business Credit Card is a hotel business card with a reasonable annual fee that can be easily justified by its ongoing benefits.

• Up to 26X points per dollar spent at IHG Hotels and Resorts (10X points for being an IHG Rewards Member, 10X points per dollar spent at IHG hotels as a cardholder and up to 6X points for having Platinum Elite status)
• 5X points per dollar spent on travel, dining, select business purchases and at gas stations
• 3X points per dollar spent on all other purchases

Earn up to 175,000 Bonus Points; 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening. Plus, earn 35,000 Bonus Points after spending a total of $7,000 in the first 6 months from account opening.

Cardholders receive an annual free night certificate valid and IHG hotels costing up to 40,000 points per night (though the certificate can be combined with IHG points to book more expensive properties ). Cardholders also receive automatic IHG Platinum Elite status and the fourth night free when booking IHG points stays of four nights or more. Benefits of IHG Platinum Elite status include complimentary room upgrades upon availability, late checkout and a welcome amenity at check-in.

Other perks include up to $50 worth of United TravelBank Cash each year and a statement credit of up to $100 every four years to put toward Global Entry, TSA PreCheck® or NEXUS membership. Cardholders also earn 10,000 bonus points and a $100 statement after spending $20,000 on the card within the account anniversary year.

The Southwest Rapid Rewards Performance Business Credit Card is Southwest's most premium business credit card and can be incredibly rewarding for frequent flyers, especially those chasing the Southwest Companion Pass or other Southwest elite status.

• 4X points per dollar spent on Southwest® purchases
• 3X points per dollar spent on Rapid Rewards® hotel and car rental partners
• 2X points per dollar spent on rideshare
• 2X points per dollar spent on social media and search engine advertising, internet, cable, and phone services

Earn 80,000 points after spending $5,000 on purchases in the first three months from account opening.

The Southwest Performance Business Card's annual fee can easily be offset if you take full advantage of its many benefits:

• 9,000 Rapid Rewards points every account anniversary (worth roughly $135)
• Up to 365 in-flight WiFi credits per year with Southwest Airlines (worth $8 each)
• Four Upgraded Boardings per year (when available)
• Up to $100 in application fee credit for  TSA PreCheck®  or  Global Entry
• Up to $500 in Rapid Rewards transfer fee credits each membership year

This card is also useful in giving you a leg up on earning Southwest elite status. For every $10,000 you spend on the card, you'll earn 1,500 Tier Qualifying Points.

Plus, the Rapid Rewards points you earn from spending and the welcome bonus count toward earning a Southwest Companion Pass , which allows you to bring along a companion on any Southwest flight for just the cost of taxes and fees. If you live near an airport Southwest serves, the Companion Pass is one of the best travel deals because it works with points flights and flights paid with cash.

Find the best credit card for you by reviewing offers in our  credit card marketplace  or get personalized offers via  CardMatch™ .

Is a business travel card worth it?

Business travel credit cards can be exceptionally valuable compared to other types of business rewards credit cards. However, if you prefer to use credit card rewards for things other than travel, you may receive more value from a business cash-back credit card .

What's the best business credit card for airline miles?

The best business credit card for earning airline miles depends on which airline you prefer to travel with as Delta, United, JetBlue, American and Southwest all offer their own business credit cards. For those who want more flexibility, a card like the Chase Ink Business Preferred or American Express Business Gold Card are better options because both cards earn rewards you can transfer to various airlines.

Can I use business card rewards for personal travel?

You can use the rewards you earn from business credit cards to book personal or business travel. Small business credit cards are typically linked to personal travel rewards programs and the points or miles you earn from personal and business credit cards are often automatically combined or can usually be pooled together.

Bottom line

Small business credit cards are essential for keeping personal and business expenses separate. But they can also earn valuable rewards for your everyday business expenses. With the right business credit card for travel, you can maximize the miles or points you earn and take advantage of benefits designed for travelers.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card   review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of small business credit card   products .  While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See  our methodology  for more information on how we choose the best business travel credit cards.

Our methodology

To determine which business cards offer the best value, CNBC Select analyzed dozens of the most popular credit cards available to U.S. business owners. We compared each card on a range of features, including annual fee, employee card fee, rewards, welcome bonus, introductory and standard APR and foreign transaction fees, as well as factors such as required credit and customer reviews when available. We also considered additional perks, the application process and how easy it is to redeem points.

Catch up on CNBC Select's in-depth coverage of  credit cards ,  banking  and  money , and follow us on  TikTok ,  Facebook ,  Instagram  and  Twitter  to stay up to date.

* Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/ benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company; Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

For rates and fees of the Business Platinum Card® from American Express, click here .

For rates and fees of the Blue Business® Plus Credit Card from American Express, click here .

For rates and fees of the American Express® Business Gold Card, click here .

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How to choose a business travel card

How to get the most out of your business travel credit card, alternatives to business travel credit cards, how to apply for a business travel credit card, our methodology.

Why You Can Trust CNET Money

CNET editors independently choose every product and service we cover. Though we can’t review every available financial company or offer, we strive to make comprehensive, rigorous comparisons in order to highlight the best of them. For many of these products and services, we earn a commission. The compensation we receive may impact how products and links appear on our site.

Best Business Credit Cards for Travel for May 2024

The best offer flexible rewards points, airline miles or hotel points, and useful card perks.

Holly Johnson

Contributor

Holly Johnson is a credit card expert and writer who covers rewards and loyalty programs, budgeting, and all things personal finance. In addition to writing for publications like Bankrate, CreditCards.com, Forbes Advisor and Investopedia, Johnson owns Club Thrifty and is the co-author of "Zero Down Your Debt: Reclaim Your Income and Build a Life You'll Love."

Evan Zimmer

Staff Writer

Evan Zimmer has been writing about finance for years. After graduating with a journalism degree from SUNY Oswego, he wrote credit card content for Credit Card Insider (now Money Tips) before moving to ZDNET Finance to cover credit card, banking and blockchain news. He currently works with CNET Money to bring readers the most accurate and up-to-date financial information. Otherwise, you can find him reading, rock climbing, snowboarding and enjoying the outdoors.

A business credit card can lower your travel expenses if you take advantage of rewards and other money-saving perks, such as redemption bonuses and annual travel credits. However, you’ll likely need to pay an annual fee to get the best card benefits.

Some credit cards are tied to a specific hotel or airline and offer rewards or complimentary elite membership status. Consider your travel budget, where you stay most often and which airline you prefer to fly with before applying. Here are some of the best business travel cards to choose from.

American Express® Business Gold Card

The American Express® Business Gold Card has a ton going for it, from earning potential to redemption value. Cardholders can redeem Amex points for flights through AmexTravel.com at 1 cent per point, but you might find a higher per-point value by transferring to travel partners. Amex Membership Rewards points transfer to a range of airline and hotel partners, which makes it possible for cardholders to get even more value for their rewards.

In terms of travel benefits, the American Express® Business Gold Card comes with access to a Global Assist hotline and the Hotel Collection through American Express. Other benefits that come standard in exchange for this card’s $375 annual fee include up to a $240 flexible business credit each year (up to $20 statement credit each month for eligible U.S. purchases at FedEx, Grubhub, and office supply stores), up to a $155 annual Walmart+ membership statement credit (plus-ups not eligible; subject to auto-renewal) and cell phone protection**.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

The Business Platinum Card® from American Express

The Business Platinum Card® from American Express also earns flexible American Express Membership Rewards points that can be used for travel through AmexTravel.com or transferred to the brand’s airline and hotel partners. However, this card offers more travel benefits than the American Express® Business Gold Card. This makes sense, considering it has a much higher $695 annual fee.

For example, cardholders get the broadest airport lounge membership available today, up to $400 in statement credits for U.S. purchases with Dell Technologies each year, up to $360 in statement credits toward Indeed each year, up to $150 in Adobe statement credits each year for eligible purchases, up to $120 in  statement credits each year for U.S. wireless phone service providers, up to $189 in statement credits each year toward CLEAR® Plus membership (subject to auto-renewal) and up to a $200 airline incidentals credit each year at one select qualifying airline.

Capital One Venture X Business

The Capital One Venture X Business* is a charge card instead of a credit card , meaning there’s no preset spending limit but the balance on the card must be paid in full each month. This card also comes with a range of benefits that help make up for its $395 annual fee, including Priority Pass Select airport lounge membership, access to Capital One airport lounges and a fee credit toward Global Entry or TSA PreCheck membership .

The Capital One Venture X Business also earns flexible Capital One miles that can be redeemed for options like statement credits, gift cards, travel through Capital One Travel or transfers to Capital One airport and hotel partners.

Ink Business Preferred® Credit Card

The Ink Business Preferred® Credit Card is great for flexibility since it earns points in the Chase Ultimate Rewards program. These points can be used for cash back, gift cards, merchandise and other flexible options. But more importantly, cardholders get 25% more value for points when they redeem for travel through Chase Travel℠, and they can transfer points to Chase airline and hotel partners at a 1:1 ratio.

While the card charges a $95 annual fee, it comes with travel insurance benefits like primary auto rental collision damage waiver when renting a car for business purposes, trip cancellation and interruption insurance, and roadside dispatch.

Delta SkyMiles® Reserve Business American Express Card

The Delta SkyMiles® Reserve Business American Express Card comes with a $650 annual fee, yet its benefits make the fee well worth it for frequent Delta flyers. In addition to Amex Centurion lounge access, cardholders get  15% off award flights with TakeOff 15, and Delta Sky Club membership (Effective 2/1/2025, Reserve Card Members will receive 15 visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/2025, the total eligible purchases on the Card must equal $75,000 or more between 1/1/2024 and 12/31/2024, and each calendar year thereafter; retail value of $695).

Other perks include two Delta Sky Club passes for guests, Main Cabin 1 priority boarding, your first checked bag free, Global Entry or TSA PreCheck membership fee credit, trip cancellation and interruption insurance**, trip delay coverage** and a baggage insurance plan**.

Southwest® Rapid Rewards® Performance Business Credit Card

The Southwest® Rapid Rewards® Performance Business Credit Card is for serious Southwest flyers who want to rack up Southwest Rapid Rewards points while enjoying elite benefits. This card comes with 9,000 points after each cardmember anniversary, four upgraded boardings each year (when available), up to 365 in-flight wifi credits each year and a fee credit toward Global Entry, NEXUS or TSA PreCheck membership.

A $199 annual fee applies, but cardholders can also use this card to get a boost toward elite status with the airline. In fact, every $10,000 spent each calendar year on the card gives users 1,500 tier qualifying points toward A-list status.

United℠ Business Card

The United℠ Business Card makes the most sense for business owners who frequently fly with United Airlines or its Star Alliance partners. It has a $0 introductory annual fee for the first year, then $99 annual fee, and it earns lucrative United miles that can be used for flights around the world.

Cardholder perks include two United Club passes each year, a first checked bag free for the cardholder and a companion traveling on the same reservation, priority boarding, and 25% back on eligible in-flight purchases with the airline. The card also comes with a $100 United credit after cardmembers make at least seven United purchases of $100 or more within an anniversary year.

Some benefits are also offered for frequent flyers who want to pursue elite status with the airline. Specifically, cardholders earn 25 Premier Qualifying Points for every $500 spent on purchases, up to 1,000 PQP in a calendar year.

Marriott Bonvoy Business® American Express® Card

Business owners who frequently stay in Marriott properties should consider the Marriott Bonvoy Business® American Express® Card. This card offers more points on Marriott stays in addition to base points earned for being a loyalty program member. Plus, cardholders get a free night award each anniversary year (up to 35,000 points) and can earn another free night award after spending at least $60,000 on purchases within a calendar year.

A $125 annual fee applies, but cardholders get automatic Marriott Bonvoy Gold status and premium internet access when they stay with the brand. The card also comes with 15 elite night credits toward the next tier of elite status each year.

The Hilton Honors American Express Business Card

Business owners who spend a lot of time in Hilton properties throughout the year can earn a high rewards rate on those stays and other purchases with the Hilton Honors American Express Business Card.

Its welcome offer is on par with top-tier travel cards that typically charge a higher annual. Cardholders can also get up to $240 back each year for eligible purchases made directly with Hilton -- more than enough to cover the card’s $195 annual fee.

A business travel credit card is a type of business credit card or charge card that earns rewards for travel and comes with travel-related benefits. For example, cards in this niche frequently earn flexible rewards that can be redeemed for travel in more than one way. Some common perks include airport benefits like fee credits for Global Entry or TSA PreCheck membership or airport lounge access , as well as travel insurance benefits and annual travel credits.

Co-branded airline and hotel credit cards for businesses also tend to offer brand-specific perks. For example, these cards can come with free checked bags and priority boarding for flights with the airline or its alliance partners, a head start toward elite status and travel-related discounts.

Simplify overseas spending with a card that doesn’t charge foreign transaction fees

Earn points or miles for travel-related spending

Enjoy travel perks that can save time and money

Lack of rewards flexibility with co-branded credit cards

You’ll have to pay an annual fee to get the best travel cards

High interest rates

Before you settle on a business credit card for travel, compare them based on the following factors.

Make sure the cards you’re considering offer the type of rewards you want, whether you prefer flexible rewards points, airline miles or hotel points. Also, look at each card’s earning rate to ensure you’ll earn an optimal amount of rewards for how your business normally spends. If it won’t reward you for how you spend already, then you’re better off choosing another card.

Welcome offer

Consider each card’s welcome bonus and whether you can meet the minimum spending threshold to earn it with regular business purchases and bills. Many business credit cards for travel require high spending requirements ($10,000 or more within the span of a few months) to earn the welcome bonuses they offer. If you have to overspend to reach it, you’ll negate any value you’d get from the bonus.

Travel perks

Ask yourself which travel perks you could benefit from the most. This might be frequent flyer benefits if you fly for work all the time, or you might be better off with on-site hotel benefits if you spend weeks of each year in a hotel for business travel.

Other business credit cards for travel offer more general travel benefits like airport lounge access and membership fees for Global Entry, NEXUS, TSA PreCheck or CLEAR.

Using a business credit card for travel could be a lucrative move, but it could also create problems for you and become costly in the long run. These tips can help you maximize your card’s benefits.

• Take advantage of statement credit offers . Some business credit cards for travel come with statement credits for expedited airport security and airline incidentals. Keep track of the statement credits your card offers and make sure you use them to get more value from your card.
• Use your card in bonus categories to earn more rewards . Keep tabs on the bonus categories your card earns the most rewards in, then use your card for those regular purchases.
• Only charge purchases when you have the cash . No matter what you do, don’t use your business travel card as a short-term loan. If you need a business credit card because you plan to carry a balance, look at cards with a lower APR or business credit cards that offer 0% APR for a limited time.

Business travel credit cards let you earn rewards while enjoying travel-related benefits, but there are some alternatives to consider if you want to make the most of your business spending or you need to borrow money:

• Cash-back business credit cards : Some business credit cards offer cash back instead of travel rewards points, and they tend to come with no annual fee. Some business cards in this category even offer 0% APR on purchases for a limited time, which can be useful if you plan to carry a balance in the short term.
• Small business loan : If you need to borrow money and pay it off over several years, you’ll want to skip credit cards in favor of a small business loan instead. These loans tend to come with much lower interest rates than credit cards, although they don’t come with any perks or rewards.

Finding a business credit card for travel is only one part of the process, meaning you still have to apply and get approved. The following steps can help you get to the finish line.

• Compare card options: Pick a business credit card that offers the type of rewards and benefits you want, and aligns with how you already spend. Also, consider how an annual fee might fit into your travel budget.
• Gather important information: Make sure you know the total income of your household, your annual business income, your Social Security number and the Employer Identification Number for your business (if you have one).
• Apply for a credit card: Apply for the card you want online by filling out the application. You’ll need to share your home address and contact information, your SSN, your EIN (if you have one), the type of business you have, your full income and your business income.
• Get your card: You should hear back instantly with the credit card issuer’s decision, but it may reach out for clarification or more information. Once you’ve received your card, remember to always pay your bill on time.

The best business travel card is the American Express® Business Gold Card for its flexible rewards and good redemption options.

Yes. When you first apply, your personal credit will typically undergo a hard credit check. Also, if your issuer reports to both personal and business credit bureaus, activity on your business credit card could affect your personal credit.

CNET reviews credit cards  by exhaustively comparing them across set criteria developed for each major category, including cash-back, welcome bonus, travel rewards and balance transfer. We take into consideration the typical spending behavior of a range of consumer profiles -- with the understanding that everyone’s financial situation is different -- and the designated function of a card. 

*All information about the Capital One Venture X Business has been collected independently by CNET and has not been reviewed by the issuer.

**Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

For rates and fees of the American Express Business Gold Card,  click here .

For rates and fees of the Marriott Bonvoy Business Card, click here .

For rates and fees of the Business Platinum Card from American Express, click  here .

For rates and fees of the Hilton Honors American Express Business Card, click here .

For rates and fees of the Delta SkyMiles Reserve Business American Express Card, click here .

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.