9 Best Business Travel Credit Cards

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If you’re a business owner, you know how much travel can add up. Flights, hotels, rental cars—it all costs money. But what if those expenses could actually help you? That’s where the best business travel credit cards come in. These cards are designed to give you rewards and perks for your company’s travel spending. They can make your trips easier and even save you money in the long run. We looked at a bunch of cards to find the top ones out there. We considered things like yearly fees, how many points you earn, and any special benefits. Our goal was to find cards that really give you value. So, if you travel a lot for work, or even just sometimes, keep reading. We’ll show you the cards that can make a real difference for your business trips.

Key Takeaways

• Business travel credit cards can turn your company’s travel spending into valuable rewards and benefits.
• These cards often offer perks like airport lounge access, travel insurance, and no foreign transaction fees.
• Choosing the right card depends on your business’s specific travel habits and spending patterns.
• Many top cards provide generous welcome bonuses that can give your rewards a big head start.
• Using a dedicated business travel card helps keep personal and business expenses separate, making accounting easier.

1. Chase Ink Business Preferred Credit Card

This card is a solid choice for business owners. The Chase Ink Business Preferred Credit Card offers a great sign-up bonus and the chance to rack up Ultimate Rewards points.

This card gives you a lot of flexibility. You can redeem points for travel, cash back, gift cards, or even products through the Chase Ultimate Rewards portal. Plus, points are worth more when you use them for travel.

Here’s why it might be a good fit for you:

• It often comes with a generous welcome bonus. Think of it as free money to kickstart your rewards. The Ink Business Preferred Card is a fantastic business credit card for earning travel rewards on all small business expenses.
• You can earn points on various business expenses, like travel, shipping, and internet services.
• It includes travel protections, like trip cancellation insurance and rental car coverage.

It also gives you free employee cards, which can help you keep track of all your business spending. The annual fee is reasonable, especially when you consider the potential rewards and perks. You can redeem points for travel, cashback, gift cards, or products via the Chase Ultimate Rewards portal, where points used for travel are worth 25% more.

Learn more about the Chase rewards card by clicking here.

2. American Express Business Platinum Card

The American Express Business Platinum Card is a strong contender for business owners who travel frequently and want premium perks. It comes with a hefty annual fee, but the benefits can outweigh the cost if you use them strategically.

It’s definitely not a card for everyone, but if you can take advantage of the travel perks and bonus categories, it could be a great fit. The Amex Business Platinum card is known for its elevated bonus and top-notch benefits.

Here’s a quick rundown:

• Rewards: Earn Membership Rewards points on eligible purchases. You can earn 5x points on flights and prepaid hotels booked through amextravel.com.
• Annual Fee: $695. It’s a significant cost, so make sure you’ll use the benefits.
• Welcome Offer: You can earn a welcome bonus after meeting a spending requirement within the first few months. Plus, you can earn a statement credit after spending on qualifying flights booked directly with airlines or through American Express Travel with your card within the first three months of card membership (offer ends 6/30/25).
• Travel Perks: This is where the card really shines. You get access to the American Express Global Lounge Collection, which includes Centurion Lounges, Priority Pass lounges (enrollment required), and more. You also get statement credits for airline fees and access to Fine Hotels + Resorts. The card also offers travel-specific perks like no foreign transaction fees, Global Entry or TSA PreCheck credit, and trip delay insurance.

Consider if the annual fee is worth it for you before you commit. If you don’t travel often or won’t use the perks, there are other business credit cards that might be a better fit.

Key Benefits

The American Express Business Platinum Card is one of the best small-business cards with an elevated bonus and top-notch benefits. It’s an excellent offer if you like earning Membership Rewards points and you can maximize the bonus spending categories and perks. The card offers business purchases and personal expenses. The best business credit cards for travel reward you for paying company expenses. They offer seamless integration with accounting software for easy tracking of all your business purchases and expenses.

The Business Platinum Card from American Express is the best business travel card for international travel, thanks to its access to half a dozen of the world’s best lounges, including well over two dozen elite Amex Centurion Lounges worldwide, the Plaza Premium network, Lufthansa Lounges with qualifying travel, and Priority Pass after enrollment.

Cardholders can also enroll for valuable benefits such as annual credits toward business and travel services like Hilton transactions and airline fees; CLEAR® Plus expedited airport screening; complimentary Gold elite status with both Hilton and Marriott; and special privileges at the Amex Fine Hotels + Resorts global collection of boutique properties.

3. Capital One Venture X Business

This card is a solid choice for business owners who want travel rewards without a ton of complexity. It’s pretty straightforward, which is a plus if you don’t want to spend hours figuring out how to maximize your points. The annual fee is $395, but honestly, the perks can offset that if you travel even semi-regularly. Let’s get into it.

The Capital One Venture X Business card is great for those seeking flexible rewards.

Here’s a quick rundown:

• You earn miles on every purchase, which can be redeemed for travel, gift cards, or statement credits. Plus, you can transfer them to airline and hotel partners.
• You get access to Capital One Lounges and Priority Pass lounges, which is a nice perk for those airport layovers.
• There’s an annual $300 travel credit for purchases made through Capital One Travel. That alone almost covers the annual fee.

I like that this card doesn’t require you to juggle different spending categories to earn rewards. It’s a flat rate on everything, which makes things simple. Plus, the lounge access and travel credit are genuinely useful if you’re on the road a lot.

Other benefits include:

• Up to $100 credit for Global Entry or TSA PreCheck.
• Cell phone protection when you pay your bill with the card.
• 10,000 bonus miles each year when you renew your card.

It’s worth noting that the Capital One Venture X Business card is ideal for small-business owners with high credit card spending. You can earn 10 miles on hotels and rental cars booked through Capital One’s travel booking site, 5 miles on flights and vacation rentals booked through Capital One’s travel booking site, and 2 miles on all other purchases.

4. American Express Business Gold Card

This card is pretty interesting because it really focuses on rewarding you where you spend the most. It’s not a one-size-fits-all kind of deal, which I appreciate. You get 4x Membership Rewards points on your top two spending categories each month (up to $150,000 per year, then it drops to 1x). The categories include things like advertising, gas stations, restaurants, and tech. Plus, you get 3x points on flights and prepaid hotels booked through American Express Travel.

The annual fee is $375, which might seem steep, but if you play your cards right (pun intended), the rewards can easily outweigh that. No foreign transaction fees either, which is a nice bonus for international travel.

Here’s a quick rundown:

• Earn 4x points on your top 2 spending categories (up to $150,000/year).
• Earn 3x points on flights and hotels booked via Amex Travel.
• Get 1x point on everything else.
• Redeem points for travel, statement credits, or transfers to partners.
• No foreign transaction fees.

Check out the American Express reward card by clicking here.

5. Bank of America Business Advantage Customized Cash Rewards Mastercard

This card is interesting because it lets you pick your bonus category. You get 3% cash back on a category of your choice (from a list), 2% at restaurants, and 1% on everything else. The 3% and 2% categories apply to the first $50,000 in combined purchases each calendar year. After that, it’s 1%.

The Bank of America Business Advantage Customized Cash Rewards Mastercard is a solid choice if you like having control over your rewards. It’s also one of the best business credit cards with no annual fee, which is always a plus. If you’re already a Bank of America Preferred Rewards member, you can get even more cash back.

One thing to keep in mind is the 3% foreign transaction fee. So, if your business involves a lot of international travel or purchases, this might not be the best card for you.

Here’s a quick rundown:

• Choose your 3% cash back category
• 2% cash back on dining
• No annual fee

Picking the Right Card for Your Business

So, there you have it. Choosing a business travel credit card isn’t a one-size-fits-all thing. It really comes down to what your business needs and how much you travel.

Think about the rewards you want, the perks that matter, and if an annual fee makes sense for you. Take your time, look at the options, and pick the card that helps your business trips go smoothly and maybe even saves you some money along the way.

Remember, you can also use money making apps and earn more revenue in your spare time as well. Below are 10 I have used in the past and highly recommend taking a look at.

1. InboxDollars
2. Zoombucks
3. Fetch Rewards
4. User Interviews
5. KashKick
6. Ibotta
7. FreeCash
8. Five Surveys
9. Branded Surveys
10. My Points

Frequently Asked Questions

What are business travel credit cards?

Business travel credit cards are special credit cards made to make business trips easier and better for small business owners and people who travel a lot for work. These cards usually give you rewards for money you spend on business things like plane tickets, hotel stays, rental cars, and food. This makes them a great tool for handling business trips.

How can I get the most out of my business travel credit card?

To get the most out of a business travel card, use its rewards and benefits smartly. Put all your business purchases, like flights, hotels, rental cars, and even food delivery, on your card to earn the most rewards. Many cards give you more rewards for certain types of business spending, so pick a card that matches what you spend money on.

How do I pick the right business travel credit card?

Picking the best business travel credit card means you need to carefully look at how you spend money and what you need for travel. Think about things like the rewards programs, any welcome bonuses, how flexible the rewards are, and the spending limits.

Should I use a personal credit card for business travel?

While it might seem easy to use your personal credit cards for business travel, it’s usually not a good idea. Business credit cards are made for business things and help keep your personal and business money separate.

What are some common perks of business travel credit cards?

Many business travel cards offer perks like no foreign transaction fees, extra points for certain purchases, and free access to airport lounges. Some cards even give rewards for things like office supplies or delivery services.

What should I consider when comparing business travel credit cards?

When you’re comparing business travel credit cards, it’s important to match your company’s travel habits with what you need to spend. Look at the rewards, the annual fee, and any special benefits like travel insurance or airport lounge access.

Are you looking for better ways and tools to build your monthly revenue and brand? Be sure to check out our other resources located here to speed up the process.