There are plenty of excellent cards to choose from, but the right one for you depends on your expenses and preferences. Show
Last updated Dec. 7, 2022 | By Ben Luthi FinanceBuzz is reader-supported. We may receive compensation from the products and services mentioned in this story, but the opinions are the author's own. Compensation may impact where offers appear. We have not included all available products or offers. Learn more about how we make money and our editorial policies. A good business credit card can make a big difference for small business owners. Not only can it help you build a business credit history and separate your personal and business purchases, but it can also provide a lot of value in the form of rewards and perks. If you want those features to translate into free travel, the best business credit cards for travel can make it happen. These cards provide a lot of potential for business travel and vacation experiences at a fraction of the cost. The best business cards for travel
In this article
The best business credit cards for travel [December 2022]There’s no single best travel credit card out there, so it’s important to know what you want to find the right one for you. Among our top picks are cards that offer lucrative rewards, valuable perks and trip protections, no foreign transaction fees, or all of the above. Here are our top choices. Card nameRewards rateAnnual feeBest for...The Business Platinum Card® from American Express5X points on flights and prepaid hotels on Amextravel.com; 1.5X points on eligible purchases at U.S. suppliers of construction materials and hardware, U.S. retailers of electronic goods, U.S. providers of shipping, software and cloud systems, and eligible purchases of $5,000 or more (up to $2 million per year, then 1X); and 1X points per $1 spent on all other eligible purchases$695Terms apply Premium perksAmerican Express® Business Gold Card4X Membership Rewards points for the first $150,000 spent in two select categories each year (after that 1X), and 1 point per $1 spent on other eligible purchases$295Terms apply Flexible rewardsCapital One Spark Miles for Business5X miles on rental cars and hotels booked through Capital One Travel, and 2X miles on every purchase, every day$95 (waived first year)Lucrative rewards on everythingInk Business Preferred® Credit Card3X points on the first $150,000 spent each year on travel, shipping, internet, cable, or phone services, and advertising purchases with social media and search engines; and 1X points per $1 on everything elseWhen looking for the best business travel card, consider how often you travel, your usual destinations, and whether you prefer to earn miles, points, or cash back rewards. While there are cards with high annual fees, the best business credit cards for travel lack foreign transaction fees and offer premium travel benefits. Some even offer perks like free checked baggage, airport lounge access, and room upgrades. The COVID-19 pandemic may affect some of the services and benefits of these travel credit cards. Check the issuer’s website and the Centers for Disease Control and Prevention (CDC) for the latest information on travel safety and requirements. Here are the top 10 best business credit cards for travel:
To see how these cards stack up against others we reviewed on our site, click Add to Compare on a card below and select up to two additional cards for comparison. Capital One® Spark® Miles Select for BusinessAdd to Compare ?Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance. BEST FOR: Travel rewards and annual spending less than $19,000
Apply Now on Capital One® Spark® Miles Select for Business's secure website. Add to CompareOverviewIntro APR 0% on purchases Regular APR 16.99% to 26.99% (Variable) Annual Fee $0 Credit Needed Excellent, Good Card Details
Pros & ConsPros
Cons
Additional Features
Read Full Intro APR 0% on purchases Regular APR 16.99% to 26.99% (Variable) Annual Fee $0 Credit Needed Excellent, Good
Pros
Cons
Read Full Review Apply Now on Capital One® Spark® Miles Select for Business's secure website. Bank of America® Business Advantage Travel Rewards World Mastercard® credit cardAdd to Compare ?Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance. BEST FOR: Earning top rewards on travel purchases booked through Bank of America
Apply Now on Bank of America® Business Advantage Travel Rewards World Mastercard® credit card's secure website. Add to CompareOverviewIntro APR 0% for 9 billing cycles Regular APR 14.49% to 24.49% Variable APR on purchases Annual Fee $0.00 Credit Needed Excellent Card Details
Pros & ConsPros
Cons
Additional Features
Read Full Intro APR 0% for 9 billing cycles Regular APR 14.49% to 24.49% Variable APR on purchases Annual Fee $0.00 Credit Needed Excellent
Pros
Cons
Read Full Review Apply Now on Bank of America® Business Advantage Travel Rewards World Mastercard® credit card's secure website. Capital One® Spark® Miles for BusinessAdd to Compare ?Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance. BEST FOR: Unlimited 2x miles with every swipe
Apply Now on Capital One® Spark® Miles for Business's secure website. Add to CompareOverviewIntro APR N/A Regular APR 22.49% (Variable) Annual Fee $0 intro for first year; $95 after that Credit Needed Excellent, Good Card Details
Pros & ConsPros
Cons
Additional Features
Read Full Intro APR N/A Regular APR 22.49% (Variable) Annual Fee $0 intro for first year; $95 after that Credit Needed Excellent, Good
Pros
Cons
Read Full Review Apply Now on Capital One® Spark® Miles for Business's secure website. Ink Business Preferred® Credit CardAdd to Compare ?Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance. BEST FOR: Maximizing travel rewards at a lower annual fee
Apply Now On Chase's Secure Website Add to CompareOverviewIntro APR N/A Regular APR 19.74% - 24.74% Variable Annual Fee $95 Credit Needed Card Details
Pros & ConsPros
Cons
Additional Features
Read Full Intro APR N/A Regular APR 19.74% - 24.74% Variable Annual Fee $95 Credit Needed Good, Excellent
Pros
Cons
Read Full Review Apply Now On Chase's Secure Website The Business Platinum Card® from American ExpressAdd to Compare ?Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance. BEST FOR: Gaining access to unrivaled travel rewards and luxury travel perks like airport lounge access
Apply Now on The Business Platinum Card® from American Express's secure website. Add to CompareOverviewIntro APR N/A Regular APR 17.99% - 25.99% Variable Annual Fee $695 Credit Needed Good, Excellent Card Details
Pros & ConsPros
Cons
Additional Features
Read Full See Rates Intro APR N/A Regular APR 17.99% - 25.99% Variable Annual Fee $695 Credit Needed Good, Excellent
Pros
Cons
Read Full Review See Rates and Fees Apply Now on The Business Platinum Card® from American Express's secure website. The Hilton Honors American Express Business CardAdd to Compare ?Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance. BEST FOR: Maximizing rewards on Hilton-related purchases
Apply Now on The Hilton Honors American Express Business Card's secure website. Add to CompareOverviewIntro APR N/A Regular APR 19.49% - 28.49% Variable Annual Fee $95 Credit Needed Good, Excellent Card Details
Pros & ConsPros
Cons
Additional Features
Read Full See Rates Intro APR N/A Regular APR 19.49% - 28.49% Variable Annual Fee $95 Credit Needed Good, Excellent
Pros
Cons
Read Full Review See Rates and Fees Apply Now on The Hilton Honors American Express Business Card's secure website. Marriott Bonvoy Business® American Express® CardAdd to Compare ?Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance. BEST FOR: Owners who choose to stay at Marriott Bonvoy hotels
Apply Now on Marriott Bonvoy Business® American Express® Card's secure website. Add to CompareOverviewIntro APR N/A Regular APR 19.49% - 28.49% Variable Annual Fee $125 Credit Needed Good, Excellent Card Details
See Full Editorial Review Here Pros & ConsPros
Cons
Additional Features
Read Full See Rates Intro APR N/A Regular APR 19.49% - 28.49% Variable Annual Fee $125 Credit Needed Good, Excellent
Pros
Cons
Read Full Review See Rates and Fees Apply Now on Marriott Bonvoy Business® American Express® Card's secure website. Delta SkyMiles® Platinum Business American Express CardAdd to Compare ?Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance. BEST FOR: Frequent Delta flyers who want to access premium business Delta features
Apply Now on Delta SkyMiles® Platinum Business American Express Card's secure website. Add to CompareOverviewIntro APR N/A Regular APR 19.49% - 28.49% Variable Annual Fee $250 Credit Needed Good, Excellent Card Details
Pros & ConsPros
Cons
Additional Features
Read Full See Rates Intro APR N/A Regular APR 19.49% - 28.49% Variable Annual Fee $250 Credit Needed Good, Excellent
Pros
Cons
Read Full Review See Rates and Fees Apply Now on Delta SkyMiles® Platinum Business American Express Card's secure website. Southwest® Rapid Rewards® Performance Business Credit CardAdd to Compare ?Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance. BEST FOR: Southwest flyers who want a Global Entry or TSA Pre✓® application fee credit
Apply Now On Chase's Secure Website Add to CompareOverviewIntro APR N/A Regular APR 19.74% - 26.74% Variable Annual Fee $199 Credit Needed Good - Excellent Card Details
Pros & ConsPros
Cons
Additional Features
Read Full Intro APR N/A Regular APR 19.74% - 26.74% Variable Annual Fee $199 Credit Needed Good - Excellent
Pros
Cons
Read Full Review Apply Now On Chase's Secure Website United Club℠ Business CardAdd to Compare ?Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance. BEST FOR: United Airlines enthusiasts who use airport lounge access regularly
Apply Now On Chase's Secure Website Add to CompareOverviewIntro APR N/A Regular APR 20.24% to 27.24% Variable Annual Fee $450 Credit Needed Good - Excellent Card Details
Pros & ConsPros
Cons
Additional Features
Read Full Intro APR N/A Regular APR 20.24% to 27.24% Variable Annual Fee $450 Credit Needed Good - Excellent
Pros
Cons
Read Full Review Apply Now On Chase's Secure Website Capital One® Spark® Miles Select for Business: Best Overall Business Credit Card for TravelWhy we like it: The Capital One® Spark® Miles Select for Business is our overall best business travel credit card because it has no annual fee and offers 0% introductory APR on purchases for nine months. You can earn 20,000 bonus miles, equivalent to $200 in travel, when you spend at least $3,000 for the first three months of card membership. This card is highly recommended for sole proprietors who travel frequently because it has low fees and offers straightforward rewards. It’s one of our top choices for the best sole proprietorship business credit cards. Rewards and perks:
Bank of America® Business Advantage Travel Rewards World Mastercard®: Best for No Annual Fee & Low Starting APRWhy we like it: The Bank of America® Business Advantage Travel Rewards World Mastercard® comes with no annual fee and has the lowest starting APR among all the travel business credit cards on this list. It offers interest-free financing on purchases for nine months from opening an account. In addition, you’ll earn 30,000 bonus points when you spend at least $3,000 in purchases in the first 90 days. This is equivalent to a $300 statement credit toward travel or dining. It’s an excellent option if you prefer a card that doesn’t report to personal credit bureaus. However, note that Bank of America reports your usage and payment behavior to the business credit bureaus, helping you build your business credit score when you use this card responsibly. Rewards and perks:
Capital One® Spark® Miles for Business: Best for Earning Unlimited Rewards With a Low Annual FeeWhy we like it: The best feature of the Capital One® Spark® Miles for Business card is its simple rewards program, which allows you to earn fixed-rate rewards on all purchases regardless of spending categories. Within the first three months of opening an account, spend $4,500 on purchases and earn 50,000 miles, which is equal to $500 in travel. This travel business credit card is also part of our roundup for the best business credit cards for miles because of its straightforward rewards and low fees. It comes with a low annual fee of $95, waived for the first year. However, unlike the Capital One® Spark® Miles Select for Business, it doesn’t offer a 0% introductory APR. Rewards and perks:
Chase Ink Business Preferred®: Best for Its Introductory BonusWhy we like it: The Chase Ink Business Preferred® card is best for those who can make at least $15,000 in purchases during the first three months of card ownership. You can earn 100,000 bonus points, or an equivalent of $1,000 cash back or $1,250 when you purchase travel through Chase Ultimate Rewards® when you meet this spending requirement. Plus, it comes with a low annual fee of $95. Since it offers generous rewards and low fees, it’s also named one of our best business cards with no foreign transaction fees. Rewards and perks:
American Express Business Platinum Card®: Best for Luxury International TravelWhy we like it: If you travel overseas often and appreciate luxury, you’ll appreciate the premium travel perks with the American Express Business Platinum Card®. While it charges a high annual fee of $695, you can take advantage of free access to more than 1,400 airport lounges worldwide. It offers 120,000 bonus points after spending $15,000 within the first three months after opening an account. Keep in mind that this card requires you to pay your balance in full every month, but it offers a Pay Over Time feature to eligible account holders. Among all the travel business cards in this guide, this offers access to most airport lounges. It’s our best business card with airport lounge access. Rewards and perks:
Hilton Honors American Express Business Card: Best for Stays at Hilton Hotels & Resorts WorldwideWhy we like it: If you love staying at one of 6,500 upscale and luxury Hilton properties around the world, make the most of each visit with the Hilton Honors American Express Business Card. It comes with a low annual fee of $95 and offers lucrative rewards and travel benefits. You can earn a sign-up bonus of 130,000 points when you spend $3,000 within the first three months of card ownership. Rewards and perks:
Marriott Bonvoy BusinessTM American Express Card: Best for Stays at Marriott Properties WorldwideWhy we like it: When you’re loyal to Marriott, the largest hotel chain in the world, which includes the Ritz-Carlton and St. Regis hotels, you’ll benefit from the Marriott Bonvoy BusinessTM American Express® Card. It offers 75,000 bonus points when you spend at least $3,000 within the first three months of card membership. For a $125 annual fee, you’ll enjoy a complimentary Silver Elite status and premium travel rewards and perks. Rewards and perks:
Delta SkyMiles® Platinum Business American Express Card: Best for Frequent Delta FlyersWhy we like it: Frequent travelers with Delta Air Lines can benefit from the Delta SkyMiles® Platinum Business American Express Card. You’ll receive 60,000 Bonus Miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first three months. While this card comes with a high annual fee of $250, you can take advantage of several benefits like access to priority boarding and luxury travel perks. Rewards and perks:
Southwest® Rapid Rewards® Performance Business Credit Card: Best for Frequent Flyers on Southwest AirlinesWhy we like it: The Southwest® Rapid Rewards® Premier Business credit card may be a good choice if you’re a frequent domestic business traveler and live near a Southwest hub. Receive 80,000 bonus points after you spend $5,000 on purchases in the first three months of card membership. It’s important to note that this card charges a $199 annual fee. Rewards and perks:
United ClubSM Business Card: Best for Frequent United Airlines TravelersWhy we like it: The United ClubSM Business Card offers travel rewards that can be redeemed for free flights with United and its partner airlines, making it an excellent choice for those who primarily fly with United Airlines. You’ll receive 75,000 bonus miles after spending $5,000 on purchases in the first three months your account is open. Plus, you get an additional 75,000 bonus miles after you spend $20,000 total on purchases in the first six months of opening an account. The $450 annual fee includes a United ClubSM membership, valued at $650 per year. Rewards and perks:
How We Selected the Best Business Travel Credit CardsWe chose the best business credit cards for travel that offer growing rewards the more you use the card. When available, we highlight any discounts or benefits that help you save money. How to Choose a Business Travel Credit CardHere are a few things that you need to consider to narrow your choices down to the best fit for you and your business:
Bottom LineThe best business travel credit card should suit your travel style and frequency of use. Choose one that offers complimentary travel services that you need so that you can save money. If you’re interested in more travel cards and other types of cards designed for small business owners, see our list of the best small business credit cards guide or visit our Credit Card Marketplace. Which credit card is best for business class travel?Best Credit Cards for Business Travel. The Blue Business® Plus Credit Card from American Express: Best Overall Travel Rewards Card for Business.. American Express® Business Gold Card: Best for Automatically Enhanced Earnings.. Ink Business Preferred® Credit Card: Best Travel Business Card for Rewards on Travel.. What is the best business credit card for miles?Summary of the Best Business Travel Cards for Airline Miles. Southwest® Rapid Rewards® Premier Business Credit Card. ... . American Express® Business Gold Card. ... . United℠ Business Card. ... . Delta SkyMiles® Gold Business American Express Card. ... . CitiBusiness® / AAdvantage® Platinum Select® Mastercard®. Which credit card is best for travel ticket booking?The Best Airline Credit Cards. Chase Sapphire Reserve®:. Capital One Venture X Rewards Credit Card: Best Overall.. United Club℠ Infinite Card: Best For United Flyers.. Chase Freedom Flex℠: Best No Annual Fee Card for Flights.. Aeroplan® Credit Card: Best Mid-Tier Airline Card.. Chase Sapphire Reserve®: Best For Travel Partners.. Which bank gives highest reward points on credit card?Best rewards credit cards. Best Overall: American Express® Gold Card.. Runner-Up: Capital One Venture Rewards Credit Card.. Best for Cash Back: Alliant Visa® Signature Credit Card.. Best for Luxury Travel: Chase Sapphire Reserve®. Best for Groceries: Blue Cash Preferred® Card from American Express.. |