Best business credit cards for travel

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. For a business owner who spends countless hours on work trips, travel rewards are the most lucrative rewards there are. Pick up a travel business credit card if you travel for business often or simply want to save rewards for an occasional trip.

Ranking of top travel business credit cards

Best card for airfare and premium travel: The Business Platinum® Card from American Express

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If you travel constantly — and like doing so in style — put The Business Platinum® Card from American Express 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. Even if you can’t take advantage of these rewards, you might like the card’s suite of benefits.

• The perks

  • Welcome offer: Up to 50,000 Membership Rewards points.
    Spend $10,000 on purchases within the first 3 months of card membership to earn your first 50,000 points. When you spend an additional $10,000 on qualifying purchases within that period, you’ll earn another 25,000 points.

  • Rewards: 5x points on flights and prepaid hotels on American Express Travel.
    These are excellent rewards, and they’re most useful if you’re a frequent traveler.

  • American Express Global Lounge Collection.
    Access over 1,100 airport lounges around the world, including the best-in-class Centurion Lounge.

  • Fee credits.
    Receive a $200 airline fee credit and $100 statement credit every four years for Global Entry or TSA PreCheck.

  • Hotel status upgrades.
    Upgrade to Gold status in Starwood Preferred Guest and Hilton Honors without meeting stay requirements.

Best for signup bonus and overall points: Ink Business Preferred℠ Credit Card

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The Ink Business Preferred℠ Credit Card is a powerful product, in part because it offers up to 3x points in common business categories. If your business has a high volume of spending in the card’s accelerated-rewards categories, take a serious look. You’ll like the points you’ll earn, and you’ll love that they’re worth 25% more when redeemed through Chase Ultimate Rewards.

• The perks

  • Signup bonus: 80,000 bonus points.
    Spend $5,000 on purchases in the first 3 months or card membership to earn the bonus. These points are worth $1,000 when you redeem them through Chase Ultimate Rewards.

  • Rewards: Up to 3x points in business categories.
    Earn 3x points on the first $150,000 you spend in combined purchases on travel, shipping purchases, Internet, cable and phone services, and eligible advertising purchases. Earn 1x points on all other purchases.

  • Point transfers to airline and hotel partners.
    Transfer your points at a 1:1 ratio to nine airline programs and four hotel programs.

Best for flat rewards: Capital One® Spark® Miles for Business

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Keeping track of accelerated-reward categories can take time. If you want to keep your rewards simple, check out the Capital One® Spark® Miles for Business. It offers 2x miles on all purchases, with no cap on your earnings. This is a good rate for flat rewards, and it offers steady earnings on your everyday business expenses. You’ll also earn 5x miles on hotel and rental car bookings through Capital One Travel℠.

• The perks

  • Annual fee: Waived for the first year, then $95.

  • Signup bonus: 50,000 bonus miles.
    Spend $5,000 on purchases within the first 3 months of card membership to earn this bonus. Plus, you’ll earn 150,000 miles when you spend $50,000 in the first 6 months.

  • Rewards: Up to 5x miles.
    Earn 5x miles on hotel and rental car bookings through Capital One Travel℠. On everything else, you’ll earn 2 miles per dollar. There are no blackouts or seat restrictions for redemption, and there’s no minimum to redeem.

Best for intro APR: The Blue Business® Plus Credit Card from American Express

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When you anticipate heavy spending, an intro APR can be a lifesaver. If that’s what you’re after, look into The Blue Business® Plus Credit Card from American Express. Not only does it offer a strong intro APR promotion, it also offers impressive flat travel rewards.

• The perks

  • Annual fee: None.
    You might be surprised by the strength of the card’s rewards given the $0 annual fee (see rates & fees).

  • Intro APR: 0% on purchases and balance transfers for 12 months following your account opening.
    After that, your APR reverts to 14.74% to 20.74% variable depending on your creditworthiness.

  • Rewards: 2x points on all purchases.
    Earn 2 Membership Rewards points per dollar spent in all categories, on up to $50,000 in purchases each year, then 1x points after that.

Our pick for business travel rewards

Gold Delta SkyMiles® Business Credit Card from American Express

• Make business travel more rewarding. Earn 30,000 bonus miles after you make $1,000 in purchases on your new card in your first 3 months.
• Additionally, earn a $50 statement credit after you make a Delta purchase with your new card within your first 3 months.
• Earn 2 miles per dollar spent on eligible purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
• Find room for your carry-on and settle into your seat sooner with Main Cabin 1 Priority Boarding.
• Pay no foreign transaction fees when you spend overseas.
• $0 introductory annual fee for the first year, then $95. Terms and limitations apply

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Compare business cards for travel

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Name	Product	Filter values	Rewards	Purchase APR	Annual fee
Ink Business Preferred℠ Credit Card			3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases	17.49% to 22.49% variable	$95	See offer View details	80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening. That's $1,000 toward travel rewards when you redeem through Chase Ultimate Rewards®	Compare	loading Fetching your data...
The Business Platinum® Card from American Express			5x points on flights and prepaid hotels through Amex Travel, 1.5x points if you spend $5,000 on a single eligible purchase on up to 1 million additional points per year and 1x points on all other purchases	N/A	$595	Apply now View details	Earn 50,000 points after spending $10,000 and an extra 25,000 points after spending an additional $10,000 on purchases in the first 3 months from account opening. Rates & fees	Compare	loading Fetching your data...
The Blue Business® Plus Credit Card from American Express			2x points on everyday business purchases on up to $50,000 annually, then 1x points	0% intro for the first 12 months (then 14.74% to 20.74% variable)	$0	Apply now View details	Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions. Rates & fees	Compare	loading Fetching your data...
American Express® Business Gold Card			4x points on two categories on up to $150,000 combined annually, then 1x points after that and on all other purchases	15.74% to 23.74% variable	$295	Apply now View details	Earn 35,000 points after spending $5,000 in the first 3 months from account opening. Rates & fees	Compare	loading Fetching your data...
Gold Delta SkyMiles® Business Credit Card from American Express			2x miles on Delta purchases and 1x miles on all other purchases	17.24% to 26.24% variable	$0 intro annual fee for the first year ($95 thereafter)	Apply now View details	Earn 30,000 miles after spending $1,000 in the first 3 months plus $50 after making a direct Delta purchase in the same timeframe. Rates & fees	Compare	loading Fetching your data...
Capital One® Spark® Miles for Business			5x miles on hotel and rental car bookings through Capital One Travel℠ and 2x miles on all other purchases	18.49% variable	$0 intro annual fee for the first year ($95 thereafter)	See offer View details	Earn 5x miles on hotel and rental car bookings through Capital One Travel℠ and 2x miles on all other purchases.	Compare	loading Fetching your data...
U.S. Bank FlexPerks® Business Travel Rewards			2x points in the category you spend the most each month - gas stations, office supply stores or airlines, plus on cellular providers and 1x on all other purchases	13.74% to 24.74% variable	$0 intro annual fee for the first year ($55 thereafter)	Apply now View details	Earn 25,000 bonus FlexPoints worth $375 on airfare, hotel stays, car rentals and more when you spend $2,000 in purchases within the first 4 months of account opening. Rates & Fees	Compare	loading Fetching your data...

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How to compare business credit cards for travel

There’s no such thing as a perfect card. Rather, there’s a card that works well specifically for your business. While comparing different products, consider these factors.

• Annual fee. A good starting consideration for any credit card is what it’ll cost you out of pocket. Typically, you’ll pay either $0 or around $95 a year for a business credit card. For high-end cards, expect to pay upwards of $450 a year.
• Rewards. In considering an annual fee, think about how your business could benefit from the card’s rewards. Certain cards offer accelerated points or miles for specific categories. If you accumulate those rewards, you may find your card effectively pays for itself. If you don’t want to keep track of different reward tiers, go for a flat-rewards card that has offers like 2x miles on all spending. You’ll earn strong rewards, and you won’t wonder whether you’re optimizing your spending for the most points or miles.
• Card type. 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.
• 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.
• Intro APR. A purchase or balance transfer intro APR is helpful especially when you have existing business debt or anticipate large business purchases. Any intro APR period 12 months or over is a good deal for a business card. Promotions generally top out at around 15 months.

Why choose a business credit card for travel?

• 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.
• 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.
• 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.

Can a business card affect my personal credit?

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.

Frequently asked questions

• Do I need a tax ID number when I apply for a business credit card?

  You’ll need your tax ID number if your business is a limited liability company (LLC) or corporation. If you’re a sole proprietor, you may use your Social Security number.

• Can I add employees to my credit card account?

  With most business credit cards, you can add your employees to your account as authorized users. Most card providers will let you set employee spending limits and track spending.

• My business card application was denied. Why?

  There are many possible reasons a provider may deny your application. For example, you may have limited income, no business credit score or a lack of collateral.