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Best business credit cards for travel

Earn powerful and flexible rewards through normal business spending.

These cards are designed for businesses on the move, offering solid perks like cash back or rewards in categories that include hotels, airfare and upgrades. Travel rewards are the most lucrative rewards for business owners who take many work trips. Pick up a travel business credit card if you travel for business often or simply want to save rewards for an occasional trip.

We looked at a few factors when comparing business cards for travel, including annual fees, welcome offers, reward opportunities, redemption options and other features a consumer might consider in a business travel card. We highlighted those that stood out above the others in a particular category.

What’s changed in 2021?

We added the American Express® Business Gold Card as our best for luxury travel. We also added a section that explains how many miles you need to fly to make a business travel card worth it — we even break out the math to help you identify opportunities to make the most of your card.

Ranking of top travel business credit cards

Best for signup bonus and overall points

Ink Business Preferred® Credit Card

Finder rating 4.4 / 5 ★★★★★

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This card is a powerful product, with up to 3x points in common business categories. Your points are worth 25% more when redeemed through Chase Ultimate Rewards.

Best card for airfare and premium travel

The Business Platinum Card® from American Express

Finder rating 4.4 / 5 ★★★★★

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If you travel constantly — and like doing so in style — put this card on your shortlist. The card offers accelerated rewards only on eligible flights and hotels through American Express Travel, so it’s much easier to earn meaningful rewards if you’re always on the go.

Best for flat rewards

Capital One Spark Miles for Business

Finder rating 4.5 / 5 ★★★★★

If you want to keep your rewards simple, this may be the card for you. It offers 2x miles on all purchases and 5x miles on hotel and rental car bookings through Capital One Travel.

Best for intro APR

The Blue Business® Plus Credit Card from American Express

Finder rating 4.3 / 5 ★★★★★

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When you anticipate heavy spending, an intro APR can be a lifesaver. If that’s what you’re after, check out this card. Not only does it offer a strong intro APR promotion, it also offers impressive flat travel rewards.

Best for hotels

Marriott Bonvoy Business™ American Express® Card

Finder rating 4.5 / 5 ★★★★★

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The Marriott Bonvoy Business™ American Express® Card will serve you best if you frequently stay at Marriott properties on business. It offers 6x points on eligible Marriott Bonvoy hotels and a solid welcome offer.

Best for luxury travel

American Express® Business Gold Card

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This card offers up to 4x points in the two categories you spend the most in each billing cycle — up to a maximum of $150,000 in combined purchases annually. You’ll also net travel rewards like baggage insurance, travel accident insurance, roadside assistance and no foreign transaction fees.

How do I choose the best business credit card for travel?

There’s no such thing as a perfect card. Rather, there’s a card that works well specifically for your business. To choose the best travel card for your business, consider the following:

  • How large is your business? Many business credit cards are tailored to businesses of a certain size. A business card with a low spending cap on rewards for example might not be the best pick if your business spending is much higher than the cap.
  • Is your business growing? If you plan on expanding your business, you might want a card with an intro APR or with rewards on categories that you’ll be spending on during your expansion. A few examples might include office supplies or internet services.
  • What are your business travel needs? When picking a business card, you’ll choose between a general, airline or hotel credit card. A general card is typically a good choice if your spending is dispersed throughout several categories or if you don’t travel much. You’ll earn points or miles you can spend on a variety of travel rewards, such as airfare, hotels, cruises and car rentals. Consider an airline or hotel card if you’re a loyal customer of a certain travel brand. For example, there’s a perfect card for you if you’re a power Delta flyer. And if you simply must stay at Marriott properties wherever you go, there’s a card with your name on it.
  • Can you earn the signup bonus? Business credit cards often come with lucrative signup bonuses. Before applying for one, consider whether you can reach its bonus spending requirement. You get one chance to fulfill the requirement — if you don’t meet it within a specified time, you won’t get another shot.
  • Do you want the ultimate airline or hotel perks? If yes, choosing an airline or hotel business credit card may be a better choice over a general business travel card. That’s because you get to use perks you may otherwise not get, including free checked bags or priority boarding.

How many miles do I need to fly to make a business travel card worth it?

Generally, a travel card’s worth is less about the miles you fly and more about the perks and features you use. Many business travel cards require an annual fee. The price of this annual fee is usually tied to the number of perks and features offered by the card – the more valuable your perks and features, the higher the card’s annual fee. To make a business travel card worth it, the value you earn from using the card’s perks or rewards need to outstrip the cost of the card itself.

Thankfully, creating this value is often simple. In the case of a modestly priced card like the Ink Business Preferred® Credit Card, you just need to earn enough points on the card to equal $95 — the annual fee of the card itself. The card earns 3x points on travel as well as other business expenses, like Internet, shipping and cable. Points earned on this card are worth 25 percent more when redeemed through the Chase portal.

  • 1 Chase Ultimate Reward point = 1.25 cents
  • 7,700 points x 1.25 = 9,625 points
  • 9,625 points = $96.25

In total, you’d need to spend enough with your business card to earn 7,700 points to break even on the card. Anything you spend beyond that is pure value.
Things can get both easier and a little more complicated with a higher priced luxury card. The Business Platinum Card® from American Express costs a whopping $695 each year. However, the card comes with a variety of interesting perks to offset this fee, including a $200 airline fee credit each year. Provided you use it, this effectively lowers the annual fee of the card to $395.

Tag on a few other perks, like complimentary Hilton Honors Gold status, and the value you’re generating is far exceeding the cost of the card. Hilton Honors Gold status alone would run you thousands of dollars to achieve if you were to earn it without the Business Platinum Card. Provided you use the card’s travel features, you’re likely going to find a business travel card worth your time.

Pros and cons of travel business credit cards


  • Generous rewards on travel purchases
  • High welcome offer
  • Travel perks
  • Employee spending controls and monitoring
  • No foreign transaction fees


  • Not many cards come with a 0% intro APR period
  • Better cards come with a higher annual fee
  • Accelerated rewards only on travel purchases

Types of business credit cards for travel

There are three types of travel business cards, each with its own perks and features.

  • General travel cards. These are often best for businesses that travel with a variety of airlines and stay at a variety of hotels. That’s because travel cards reward you on general travel purchases and you can redeem your rewards on general travel purchases.
  • Airline credit cards. These are best for businesses that prefer one airline and their partner airlines. With this type of card, you earn accelerated rewards on one airline and you may get additional perks like free checked bags, priority boarding or in-flight food and beverage discounts. If you meet certain spend requirements, you may even reach an elite status tier that comes with additional perks.
  • Hotel credit cards. These are best if you prefer one hotel brand. That way, you’ll earn the most rewards on your hotel stays, plus you’ll get a host of other benefits like reward nights, complimentary breakfast, early check-in and more.

Note: Most airline and hotel credit cards let you transfer your points to partners, or you can redeem for a variety of other rewards. This makes them almost as versatile as general travel rewards cards.

What type of travel insurance is available with business credit cards?

The type of travel insurance varies between business credit cards but generally falls under one of the following types of policies:

  • Travel accident insurance. Coverage for death and dismemberment while traveling on a common carrier such as a bus, plane, train or a ship.
  • Travel inconvenience cover. Coverage for issues such as trip delays, luggage loss and trip cancellations.
  • Emergency assistance. This includes emergency ticket replacement, lost item assistance, referrals to lawyers, medical assistance and more.
  • Vehicle rental cover. Provides insurance for loss or damage to your rental vehicle.

What else do I need to know about business credit cards with travel insurance?

Keep these factors in mind to get the most out of a business credit card with travel insurance:

  • Policy activation. In most cases, you need to use the credit card to pay for some or all of your eligible travel before you leave.
  • Annual fee. Make sure you weigh the cost of the annual fee against the potential benefits of the card, including travel insurance, to decide if it’s worth it for your business needs.
  • Additional cardholder fee. If you want to share your business credit card account with employees, make sure you check whether an additional cardholder fee will apply and how much it costs.
  • Interest rate. If you need to pay for some or all of your travel using the credit card, make sure you check the interest rate and factor in the cost that could apply if you don’t pay your balance in full.
  • Other features. Remember to consider the other features of the card, including expense tracking, compatibility with accounting software and rewards and potential grace periods.

Should I get a business credit card for travel?

To answer this question, consider the following:

  • Do you want to separate personal and business expenses? There can be many benefits to getting a business card, such as establishing business credit history, keeping your personal credit utilization low and acquiring employee cards. In addition, you get spending management tools to simplify bookkeeping.
  • Do you travel a lot? If travel is a big business expense, you might have a great reason to get a business credit card for travel. Most notably, you can earn significant rewards for activities like flying and staying in hotels.
  • Do you want travel rewards? Even if you don’t travel much, a business credit card for travel might be useful. You can earn rewards throughout the year from normal business spending, then use your points or miles for an occasional getaway.
  • Do you want travel perks? Cobranded credit cards offer perks when used at a specific airline or a hotel. This may include free checked bags, airport lounge access, hotel elite status, complimentary breakfast and Wi-Fi and more.

Compare travel business cards

Here’s a quick side-by-side look at some of the travel business cards available.

Name Product Welcome Offer Rewards Annual fee Filter values
Brex 30 Card
Up to $150,000 worth of credits and offers for business services like Amazon Web Services, Slack, Zoom, Google Ads and more
8x points on rideshares, 5x on Brex Travel, 4x at restaurants, 3x on software subscriptions and 1x points on all other purchases
The first corporate card for startups. No personal guarantee or security deposit needed, meaning your personal credit score won't be affected.
Divvy Business Credit Card
Monthly: 2x on restaurants, 2x on hotels, 1.5x on recurring software subscriptions, 1x on everything else
Semi-monthly: 4x on restaurants, 3x on hotels, 1.75x on recurring software subscriptions, 1x on everything else
Weekly: 7x on restaurants, 5x on hotels, 2x on recurring software subscriptions, 1.5x on everything else
Earns more points per eligible category based on how often you pay your credit card balance.
Ink Business Preferred® Credit Card
100,000 points after spending $15,000 in the first 3 months
3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases
100,000 bonus points after you spend $15,000 on purchases in the first 3 months after account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®.

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Bottom line

A business credit card for travel can be a good choice if you travel often or want to save rewards for occasional trips. To find the right card for you, evaluate products by weighing out the cost and rewards of each. Consider the cards we listed as our best picks.

If you’re not sure that a business credit card for travel is right for you, compare other business credit cards.

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