Operating and traveling often for business can get tiresome fast. But with the right luxury business credit card, both can be made easy and even enjoyable. This type of card is designed to help you enjoy your business travel with perks such as airport lounge access, priority boarding, and elite status with an airline or a hotel rewards program while also providing you with the premium rewards and tools to help you manage your business well.
But just expect to pay an annual fee that matches these perks.
*How we chose the best luxury business credit cards
We’ve chosen the cards on this page based on the providers available through Finder. These cards are not representative of the entire market. We compared these luxury business credit cards based the exclusive premium perks they offer such as the value of rewards; discounted luxury travel, accommodation and concierge services; and signup bonuses. We’ve also considered annual fees.
No single luxury business credit card will be the best choice for everyone, so compare your options before picking your new card.
Best luxury business credit cards
The Business Platinum Card from American Express comes with a steep annual fee of $499, but the benefits can more than make up for it. If you’ve never had an American Express Small Business Card product before, you can get an enticing signup bonus. Earn a Welcome Bonus of 75,000 Membership Rewards points when you charge $7,000 in purchases to your Card in your first three months of Cardmembership.
Build up points towards a wide range of rewards when you charge items to your card. Earn 1.25 Membership Rewards points for every $1 spent on eligible purchases. Points never expire, and there is no limit to the amount you can earn. Plus, enjoy a generous range of travel benefits, purchase insurance (including Employee Card Misuse Protection) and a $0 fee for late payments. (This is a charge card, so you have to fully pay off your balance within the interest free period or a 30% interest rate will apply.)
If you travel frequently and are on the lookout for stylish and comfortable accommodations, the Marriott Bonvoy Business American Express Card could be the right card for you. Earn 5 points per $1 spent at participating Marriott properties, 3 points on gas, dining and travel and 2 points on all other spending. Plus, new cardmembers can earn 5 points for every $1 in purchases on eligible gas, dining and travel for the first 6 months of Cardmembership when they Apply by September 20, 2021. Earn a Welcome Bonus of up to 105,000 Marriott Bonvoy points. Apply by September 20, 2021. Earn 65,000 Welcome Bonus Marriott Bonvoy points after you charge $5,000 in purchases to your Card in your first 6 months of Cardmembership. Plus, you can earn an additional 15,000 points when you make a purchase after your 14 month Card anniversary date.
Earn points that can be used toward discounted or free stays at dozens of luxury hotel brands worldwide and flights with some of the world’s leading airlines. Plus, enjoy travel insurance coverage, Employee Card Misuse Protection, Purchase Protection and other complimentary benefits.
Earn points on many of your everyday business purchases with the American Express Business Edge Card, and redeem for travel, dining, entertainment, gift cards, Amazon.ca purchases, statement credit and more.
Earn 3 Membership Rewards points for every $1 spent on eligible business essentials including office supplies, electronics, rides, gas, eats and drinks (up to an annual earn of 75,000 Membership Rewards), and earn 1 Membership Reward point for every $1 spent on all other eligible purchases. Enjoy complimentary Employee Card Misuse Protection, Purchase Protection and an appealing signup bonus for new cardholders.Earn up to 57,000 Membership Rewards points in your first year. Earn 45,000 Welcome Bonus points when you charge $5,000 in purchases to your Card in your first three months, and earn 1,000 Membership Rewards points each month (a total of 12,000 annually) when you spend a minimum of $3,000 on eligible purchases.
How to compare luxury business credit cards
To make sure the card you choose meets your requirements, ask yourself:
- Do you want the ultimate airline perks? If yes, choosing an airline credit card may be a better choice over a general travel card. That’s because you get to use perks you may otherwise not get, including free checked bags or priority boarding.
- Do you want to earn Air Miles? In this case, the American Express AIR MILES for Business Card is the clear winner as it offers bonus Air Miles within the first few months of membership. Points from this card can be redeemed for flights, merchandise and even cash.
- Do you occasionally travel? The American Express Business Edge Card may the best choice in this case, as you get to earn reward points on a variety of business categories, which you can redeem whenever you need for travel purchases.
Compare luxury business credit cards
Most luxury business credit cards are designed to help you travel for business in style. If you want airline-specific perks such as free checked bags and priority boarding, consider an airline credit card.
But if you still can’t make up your mind, check out other business credit cards and compare your options until you find the right fit for your business.
Frequently asked questions