Best business credit cards for travel

Earn powerful and flexible rewards through normal business spending.

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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

Quick look at the best travel business cards

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

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.

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

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.

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

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.

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

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.

How we selected our top cards

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 2019

The Capital One® Spark® Miles for Business squeezed its way onto our list, just narrowly edging out the Chase Freedom Unlimited® thanks to its slightly larger revert earning rate. We feel this simplicity makes it worthy of mention, especially for more casual travelers.

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

Name Product Filter values Rewards Purchase APR Annual fee
2x miles on Delta purchases and 1x miles on all other purchases
17.49% to 26.49% variable
$0 intro annual fee for the first year ($95 thereafter)
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
2x miles on direct Delta purchases and 1x miles on all other purchases
17.49% to 26.49% variable
$195
Earn 35,000 miles and 5,000 MQMs after spending $1,000 in the first 3 months plus $100 after making a direct Delta purchase in the same timeframe. Rates & fees
4x points on two categories on up to $150,000 combined annually, then 1x points after that and on all other purchases
15.99% to 23.99% variable
$295
Up to $500 back in the form of statement credits by purchasing qualifying services with FedEx using your American Express® Business Gold Card within the first 3 months, offer ends November 6, 2019. Rates & fees
3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases
17.99% to 22.99% variable
$95
100,000 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®
2x miles on all purchases
18.74% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn unlimited 2x miles on every purchase for your business, with no blackouts or seat restrictions, and no minimum to redeem.

Compare up to 4 providers

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.

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