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Compare luxury business credit cards

Enjoy your business travel with access to premium travel perks.

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 for luxury travel: Business Platinum Card from American Express

Business Platinum Card from American Express

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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.)

Best for business travel accommodation: Marriott Bonvoy Business American Express Card

Marriott Bonvoy Business American Express Card

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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.

Best for business rewards: American Express Business Edge Card

American Express Business Edge Card

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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

Name Product Purchase Interest Rate Cash Advance Rate Annual Fee Minimum Income Welcome Offer
American Express Business Edge Card
19.99%
21.99%
$99
N/A
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.
American Express Aeroplan Business Reserve Card
16.99%
21.99%
$599
N/A
Earn up to 90,000 Aeroplan points and a bonus Buddy Pass. Plus, apply for an American Express Aeroplan Business Reserve Card by October 1, 2021 and spend at least $10,000 in qualifying net purchases by November 30, 2021 and you’ll earn, step up, or jump start your Aeroplan Elite Status.
BMO Rewards Business Mastercard
14.99%
22.99%
$0 annual fee for the first year ($120 thereafter)
N/A
Get 50,000 points and the $120 annual fee waived in the first year.
BMO Air Miles Business Mastercard
19.99%
22.99%
$120
N/A
Get up to 3,000 AIR MILES Bonus Miles ($310 towards your purchases with AIR MILES Cash).
BMO Cashback Business Mastercard
19.99%
22.99%
$0
N/A
Get 10% cash back on gas, office supplies, cell phone bills and internet bills for 3 months.
BMO Air Miles No-Fee Business Mastercard
19.99%
22.99%
$0
N/A
Get 1,000 AIR MILES Bonus Miles (over $100 towards your purchases with AIR MILES Cash).
American Express AIR MILES for Business Card
N/A
N/A
$180
N/A
Earn a Welcome Bonus of 2,000 AIR MILES when you spend at least $5,000 on eligible purchases within the first three months
Business Platinum Card from American Express
N/A
N/A
$499
N/A
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.
Marriott Bonvoy Business American Express Card
19.99%
21.99%
$150
N/A
Earn a Welcome Bonus of up to 105,000 Marriott Bonvoy points. Plus, get 5X the points on eligible gas, dining & travel for the first 6 months. Apply by September 20, 2021.
American Express Business Gold Rewards Card
N/A
N/A
$250
N/A
Earn a Welcome Bonus of 50,000 Membership Rewards points when you spend at least $5,000 on eligible purchases within the first three months.
American Express AIR MILES Gold Business Card
19.99%
21.99%
$0
N/A
Earn a Welcome Bonus of 150 AIR MILES when you spend at least $1,000 in eligible purchases within the first three months
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Bottom line

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.

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