Compare the Best Business Credit Cards for Travel Rewards in 2025
Editor’s pick
Editor’s pick
Capital One Venture X Business
The Capital One Venture X Business is our top pick for best business travel card due to the potential to earn a top-notch sign-up bonus and its array of luxury travel perks including airport lounge access, travel credits, a trusted traveler program credit and annual bonus miles.
Every business owner on the go needs a business travel credit card with rewards and perks tailored to their travel and spending patterns. The best business credit cards for travel can help you to rack up rewards and take your next business trip in style with perks such as airport lounge access, airline or hotel elite status, upgrades and free checked bags. Read on to find the right business travel rewards credit card for you.
The best business credit cards for travel rewards
- Best card for business travel: Capital One Venture X Business
- Best Chase business credit card: Ink Business Preferred® Credit Card
- Best business travel credit card with low annual fee: Capital One Spark Miles for Business
- Best travel business credit card with no annual fee: Capital One Spark Miles Select for Business
- Runner-up: Best travel business credit card with no annual fee: The Blue Business® Plus Credit Card from American Express (see rates & fees)
- Best business card for flexible rewards: American Express® Business Gold Card
- Best business credit card for airline miles: Delta SkyMiles® Reserve American Express Card
- Best United business credit card: The New United℠ Business Card
- Best business card for airport lounge access: The Business Platinum Card® from American Express
- Best business credit card for hotel rewards: The Hilton Honors American Express Business Card
- Best business travel card for low credit scores: Capital One Spark Classic for Business
Compare the 11 Best Business Travel Credit Cards
| Credit Cards | Our Ratings | Welcome Offer | Rewards Rate | Annual Fee | |
|---|---|---|---|---|---|
Capital One Venture X Business
|
Business travel
|
150,000 miles
150,000 Miles once you spend $30,000 in the first 3 months from account opening
| 2X - 10X Miles
| $395 | |
Ink Business Preferred® Credit Card
 Apply Now
on Chase's secure site Rates & Fees |
Chase business credit card
|
90,000 points
Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
| 1X - 3X points
| $95 |
Apply Now
on Chase's secure site Rates & Fees |
Capital One Spark Miles for Business
|
Business travel credit card with low annual fee
|
50,000 miles
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.
| 2X - 5X Miles
| $0 intro for first year; $95 after that | |
Capital One Spark Miles Select for Business*
|
Travel business credit card with no annual fee
|
50,000 miles
One-time bonus of 50,000 miles once you spend $4,500 on purchases within 3 months from account opening
| 1.5X Miles
1.5 Miles per $1 on every purchase
| $0 | |
The Blue Business® Plus Credit Card from American Express
|
Business credit card with no annual fee
|
15,000 points
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
| 1X - 2X points
| No annual fee | |
American Express® Business Gold Card
|
Flexible rewards
|
100,000 points
Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
| 1X - 4X points
| $375 | |
Delta SkyMiles® Reserve Business American Express Card
|
Airline miles
|
80,000 miles
80,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.
| 3X miles
Earn 3 miles per dollar on eligible Delta purchases.
| $650 | |
The New United℠ Business Card
Apply Now
on Chase's secure site Rates & Fees |
United business credit card
|
100,000 miles
Limited-time offer: Earn 100,000 bonus miles and 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open.
| 1X - 2X miles
| $150 |
Apply Now
on Chase's secure site Rates & Fees |
The Business Platinum Card® from American Express
|
Airport lounge access
|
150,000 points
Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
| 1X - 5X points
| $695 | |
The Hilton Honors American Express Business Card
|
Hotel rewards
|
175,000 points
Earn 150,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors American Express Business Card in your first 6 months of Card Membership. Plus earn an additional 25,000 Hilton Honors Bonus points after you spend an additional $2,000 in purchases on your Card within your first 6 months of Card Membership. Offer Ends 8/13/2025.
| 3X - 12X points
| $195 | |
Capital One Spark Classic for Business*
|
Low credit scores
|
N/A | 1% - 5% cash back
| $0 |
Methodology: How we chose the best business credit cards for travel
To bring you the list of best travel credit cards for businesses, we use an objective rating and ranking system that compares features across a large set of credit cards (over 200 of them from over 50 issuers). We use calculations to estimate the value of each card for the average cardholder based on LendingTree and U.S. Bureau of Labor statistics.
We rank cards based on the following criteria:
We calculate the value of rewards and perks for the average cardholder using Bureau of Labor statistical data on an annual spend of $20,000, then subtract the annual fee. This value includes the card’s sign-up bonus, annual bonus (including free night certificates) and travel perks like lounge access and travel credits. We look at the average rewards earned over two years to balance out a card’s ongoing value with its first-year value.
We consider how easy the rewards are to use, looking at factors like expiration dates, minimum thresholds to redeem, blackout dates and the availability of flexible redemption options, like travel statement credits and cash back.
We also compare a card’s benefits, such as purchase protections, travel protections and elite status benefits, against those from other cards.
Note that our ratings are a starting point for comparing and choosing the best business travel credit card. However, your needs may be different from the average cardholder. As such, you should consider the amount your business is likely to spend in a card’s bonus categories and which benefits will be most valuable for your business. That way you can find the travel card that’s best for you and your business needs.
Best card for business travel: Venture X Business Card
Capital One Venture X Business
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Travel rewards: 2X - 10X Miles
- Earn a huge sign-up bonus worth $1,500 in travel
- $300 annual travel credit plus anniversary bonus miles
- Luxury travel benefits include airport lounge access
- No preset spending limit
- Extremely high spending required for bonus
- Must book through Capital One for travel credit
- Balance due in full every month
Overall first year value: $3,953*
- First-year rewards value: $3,159
- Other credits and perks: $794
The Capital One Venture X Business is our pick for the best business travel credit card due to its flexibility, simplicity and slate of luxury travel perks, all for a reasonable annual fee offset by an annual travel credit for bookings made through Capital One’s travel site and an anniversary bonus. It’s also got an outstanding sign-up bonus, but the spending required to earn it is high even for a business credit card.
This business travel rewards credit card is one of the best Capital One business cards and one of the few charge cards on our list, so you can make large purchases without worrying about hitting a credit limit. But you will have to pay your bill in full monthly.
- Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
- Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
- Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One's travel booking site
- With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
- Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
- Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One's travel booking site
- Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- This is a pay-in-full card, so your balance is due in full every month
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
Best Chase business credit card
Ink Business Preferred® Credit Card
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here. Apply Now
Travel rewards: 1X - 3X points
- Large sign-up bonus
- Earn up to 3X points on travel and business purchases*
- Travel protections include primary car rental and trip cancellation insurance
- Transfer points 1:1 to Chase partner airlines and hotels
- Annual fee
- High spending required for sign-up bonus
- *Bonus categories are capped at $150,000 in spending per year
- High 20.24% - 26.24% Variable APR
Overall first year value: $2,193*
- First-year rewards value: $2,193
- Other credits and perks: $0
One of the best Chase credit cards on the market, the Ink Business Preferred® Credit Card is a great choice for business owners who spend at least several thousand dollars on business purchases each month. If you can meet the required minimum spending, the card offers one of the best sign-up bonuses around, worth over $1,000 in free travel off the bat when redeemed through the Chase portal at a 25% bonus.
This Chase business credit card also boasts an excellent rewards earning rate on both travel and common business purchases, so it can serve as the top-of-wallet card for business owners who prefer the simplicity of using one primary card. Keep in mind that it does have a high APR, so it’s not the best card for financing business purchases.
- Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth more when you redeem for travel through Chase Travel℠
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Best business travel credit card with low annual fee
Capital One Spark Miles for Business
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Travel rewards: 2X - 5X Miles
- Annual fee: $0 intro for first year; $95 after that
- 2 Miles per $1 on every purchase, everywhere; 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One's travel booking site
- Flexible rewards with more than 15 transfer partners
- Up to $120 credit for Global Entry or TSA PreCheck®
- High APR of 25.24% (Variable)
- Flight purchases don’t qualify for bonus miles
Overall first year value: $1,795*
- First-year rewards value: $1,640
- Other credits and perks: $155
The Capital One Spark Miles for Business is our choice for the best business travel credit card with a low annual fee because it features an annual fee of $0 intro for first year; $95 after that. There’s no extra annual fee to get employee cards.
You’ll earn 2 Miles per $1 on every purchase, everywhere; 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One's travel booking site. While it doesn’t have bonus categories on common business purchases, you’ll earn an elevated rate on every purchase without having to keep track of bonus categories. Miles can be redeemed for cash back, travel, gift cards and more, or you can transfer them to over 15 airline and hotel partners. The card can also help cover the cost of Global Entry or TSA PreCheck®.
- Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One's travel booking site
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
Best travel business credit card with no annual fee
Capital One Spark Miles Select for Business*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Travel rewards: 1.5X Miles
- $0 annual fee
- Earn a solid welcome bonus
- Simple rewards earning structure
- 15+ transfer partners
- Few travel perks
- No bonus categories for business spending
- Must book with Capital One to get bonus rewards rate
Overall first year value: $1,578*
- First-year rewards value: $1,578
- Other credits and perks: $0
The Capital One Spark Miles Select for Business is an ideal basic travel business credit card for business owners who prefer simplicity, travel only occasionally and have modest business spending. The card offers the chance to earn a decent welcome bonus and the ability to maximize rewards by transferring them to airline and hotel partners.
But keep in mind that you could be leaving money on the table due to the lack of bonus rewards in popular business spending categories, and the fact that you have to book through Capital One to earn 5X miles on travel, the only bonus earning category offered.
- Earn unlimited 1.5X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
- Earn 5X miles on hotel and rental car bookings through Capital One Travel using a Spark Miles Select card
- No annual fee
- Transfer your miles to 15+ leading travel loyalty programs like Air Canada and Emirates™
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Free employee cards which also earn unlimited 1.5X miles from their purchases
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
Runner-up: Best travel business credit card with no annual fee
The Blue Business® Plus Credit Card from American Express
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Travel rewards: 1X - 2X points
- Earn 2X points on the first $50,000 you spend annually on eligible purchases 1 point per dollar thereafter. Terms and limitations apply.
- Intro APR of 0% on purchases for 12 months from date of account opening (followed by a 17.49% - 27.49% Variable APR)
- Complimentary employee cards to earn rewards on purchases and track spending
- Points combine with other Membership Rewards cards for additional perks and redemption opportunities
- Low welcome offer compared with other cards
- Rewards bonus points limited to the first $50,000 spent each year
- Foreign transaction fee of 2.7% of each transaction after conversion to US dollars.
Overall first year value: $1,100*
- First-year rewards value: $1,100
- Other credits and perks: $0
The Blue Business® Plus Credit Card from American Express serves as a solid basic no annual fee credit card for business owners who have lower monthly spending, want to avoid an annual fee and only travel domestically. This card offers an elevated rewards rate on all eligible spending in any category, but only on the first $50,000 a year in spending. 1 point per dollar thereafter. Terms and limitations apply.
Though it’s one of the best travel business credit cards for domestic travel, this card does charge foreign transaction fees. So, if you travel internationally on business, you may want to choose a different card.
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 27.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
- You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply.
Best business card for flexible rewards
American Express® Business Gold Card
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Travel rewards: 1X - 4X points
- Massive welcome offer plus introductory APR deal
- Flexible bonus categories based on your spending
- Hundreds of dollars in business credits
- Cap on bonus earnings
- Must book through Amex Travel for travel bonus earnings
- Low rewards earnings outside of bonus categories
- Must pay off some purchases in full monthly
Overall first year value: $2,839*
- First-year rewards value: $2,444
- Other credits and perks: $395
The American Express® Business Gold Card is our choice for best business travel card with flexible rewards due to its generous bonus earnings in the two eligible categories where you spend the most. There are six eligible categories offered, covering some common business purchases like transit, U.S. gas stations and U.S. restaurants, so the card will likely fit most business owners’ spending habits.
You should know the card is a charge card, which means no preset spending limits, which means your spending limit is flexible, and depends on factors such as your purchase, payment and credit history. But you do have to pay your bill in full each month, except for purchases eligible for Pay Over Time (terms apply).
- Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.*
- Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
- The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
- *Terms Apply
Best business credit card for airline miles
Delta SkyMiles® Reserve Business American Express Card
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Travel rewards: 3X miles
- Earn a huge welcome offer plus get an annual companion certificate upon renewal (terms apply)
- Complimentary airport lounge access When you purchase a Delta flight with your Delta SkyMiles® Reserve Business Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge.
- Reach elite status quicker each year with a Medallion® Qualification Dollar boost
- Global Entry or TSA PreCheck® fee credit (enrollment required)
- High spending required for welcome offer
- $650 annual fee
- Limited bonus categories
- Potentially high APR
Overall first year value: $2,175*
- First-year rewards value: $790
- Other credits and perks: $1,385
The Delta SkyMiles® Reserve Business American Express Card is the ultimate luxury business travel card for frequent business travelers, offering one of the best packages of perks available on any card. From lounge access to an annual companion certificate upon renewal (terms apply) and a full suite of travel and purchase insurance, this card has enough benefits to offset the annual fee many times over for those who fully utilize the perks.
Keep in mind that the card falls a bit short compared with other business travel cards when it comes to rewards earning, as it has few bonus categories. For that reason, it shines when used in combination with another card for everyday business purchases.
- Welcome Offer: Earn 80,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.
- Delta SkyMiles® Reserve Members receive 15 Visits each Medallion® Year to the Delta Sky Club® and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card in a calendar year.
- Earn 3 miles per dollar on eligible Delta purchases.
- Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card.
- Receive a Companion Certificate on a First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American round-trip flight each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply.
- With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
- Earn up to $10 back each month after using your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers.
- Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
- Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
- As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
- When you purchase a Delta flight with your Delta SkyMiles® Reserve Business Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge.
- Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
- Elevate your travel experience with an annual statement credit of up to $250 after using your Delta SkyMiles® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Enjoy travel without foreign transaction fees from American Express with your Delta SkyMiles® Reserve Business American Express Card.
- Terms and limitations apply.
Best United business credit card
The New United℠ Business Card
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here. Apply Now
Travel rewards: 1X - 2X miles
- Solid welcome bonus includes PQPs to help you reach elite status faster
- 2 United Club℠ one-time passes per year, priority boarding and a free checked bag on eligible United flights
- Earn bonus miles after you add an employee card in the first three months of card membership
- Over $500 in credits annually
- Annual fee: $150
- High spending required to earn 2 seat upgrades
Overall first year value: $2,233*
- First-year rewards value: $1,488
- Other credits and perks: $745
The New United℠ Business Card is the best business travel credit card for United loyalists who travel at least a few times a year due to its array of United-specific travel perks, annual credits and a sign-up bonus that includes Premier Qualifying Points (PQPs) to help you get to Premier status faster. For a modest annual fee, you get 2 United Club℠ one-time passes per year, priority boarding and a free checked bag on United flights and credits that can more than make up for the annual fee.
- Limited-time offer: Earn 100,000 bonus miles and 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open.
- $150 Annual Fee.
- 2x miles on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
- 1x mile on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
- Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
- Enjoy a free first checked bag - a savings of up to $160 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
- Receive a $125 United travel credit after making 5 United® flight purchases of $100 or more each calendar year with your United℠ Business Card.
- Member FDIC
Best business card for airport lounge access
The Business Platinum Card® from American Express
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Travel rewards: 1X - 5X points
- Phenomenal welcome offer
- Access to the American Express Global Lounge Collection®
- Hilton Honors™ Gold and Marriott Bonvoy® Gold Elite status after enrollment
- Earn generous business and travel credits worth over $2,000 in value annually (enrollment required)
- $695 annual fee
- Must book travel through Amex Travel to earn 5X points on flights and prepaid hotels
- Lackluster bonus rewards earnings
Overall first year value: $4,850*
- First year rewards value: $2,762
- Other credits and perks: $2,088
The Business Platinum Card® from American Express offers some of the richest perks of any business card on the market, starting with world-class airport lounge access to over 1,400 airport lounges around the world. Add in the most valuable welcome offer of any card on our list, plus an array of travel and business credits and elite status at two popular hotel chains (Hilton and Marriott, enrollment required), and this card can’t be beat for business owners seeking a luxury business travel card.
It’s important to note that this card does fall short in rewards earning for everyday business spending and travel not booked through Amex, so it works best when paired with another business card that has standout bonus earning categories for general travel and business purchases.
- Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 10/2024.
- Unlock over $2,000 in statement credits with business and travel benefits annually* on the Business Platinum Card. Terms apply. Learn more. *After meeting qualifying spend thresholds
- New! Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
- New! Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- Make the Business Platinum Card® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
- 5X points on flights and prepaid hotels booked on AmexTravel.com
- 1.5X points (that’s an extra half point per dollar) on purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- 1X points on other eligible purchases
- Use the Business Platinum Card® and get up to $209 back per calendar year on your CLEAR® Plus Membership (subject to auto-renewal).
- $695 Annual Fee.
- Terms Apply.
Best business credit card for hotel rewards
The Hilton Honors American Express Business Card
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Travel rewards: 3X - 12X points
- Valuable welcome offer with extended time to meet spending requirement
- Earn up to 12X points on hotels and resorts within the Hilton portfolio made directly
- Complimentary Hilton Honors™ Gold status and an opportunity to earn Diamond status
- Complimentary National Car Rental® Emerald Club Executive® status (enrollment required)
- Significant spending is required to earn Hilton Honors™ Diamond status
- 5X business bonus categories are limited to the first $100,000 in annual purchases (3X points thereafter)
- High 20.24% - 29.24% Variable APR
- $195 annual fee
Overall first year value: $1,433*
- First year rewards value: $1,193
- Other credits and perks: $240
The Hilton Honors American Express Business Card is one of the best business credit cards for travel and hotel rewards because of its complimentary elite status and generous earnings potential.
Its $195 annual fee is more than offset by an annual Hilton credit of up to $60 per quarter for purchases made directly with a property in the Hilton portfolio on your card (up to $240 annually). In addition to complimentary Hilton Honors™ Gold elite status, businesses that spend $40,000 or more on eligible purchases can earn Hilton Honors™ Diamond elite status. Cardholders also receive complimentary National Car Rental® Emerald Club Executive status (enrollment required).
If you do business internationally, you should know that this card doesn’t charge a foreign transaction fee.
However, you should keep in mind that this credit card will be best for Hilton loyalists, not necessarily all travelers.
- Limited Time Offer: Earn 150,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors American Express Business Card in your first 6 months of Card Membership. Plus earn an additional 25,000 Hilton Honors Bonus points after you spend an additional $2,000 in purchases on your Card within your first 6 months of Card Membership. Offer Ends 8/13/2025.
- Earn 12X Hilton Honors Bonus Points on eligible purchases made directly with hotels and resorts within the Hilton portfolio.
- Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter.
- Get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card.
- Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors™ Gold Status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay.
- You may receive an upgrade to Hilton Honors™ Diamond Status through the end of the next calendar year if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more.
- As a Hilton Honors American Express Business Card Member, you can enroll to receive complimentary National Car Rental® Emerald Club Executive® status through the link on your American Express online account. After you’re enrolled, you can reserve a rental car by calling National Car Rental directly, using your travel service, or by booking online or through the National Car Rental mobile app. Terms apply.
- Terms apply.
Best business travel card for low credit scores
Capital One Spark Classic for Business*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Travel rewards: 1% - 5% cash back
- Unlimited 5% cash back on hotels and rental cars booked through Capital One’s travel portal
- Free employee cards
- $0 annual and foreign transaction fees
- Extended warranty coverage on eligible purchases
- No welcome bonus
- Flights don’t qualify for bonus cash back
- High purchase APR
Overall first year value: $215*
- First year rewards value: $215
- Other credits and perks: $0
The Capital One Spark Classic for Business is an excellent $0-annual-fee option for business owners with credit issues. It offers unlimited 1% cash-back rewards on all purchases and an elevated rewards rate on some travel purchases.
While this card doesn’t offer bonus rewards on flights, you do earn extra rewards when booking hotels and rental cars through Capital One’s travel portal. You can also add employees to the account at no extra charge, set customized spending limits for each employee’s card and earn rewards on their purchases.
- Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions. Plus, earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- No annual fee
- Build and strengthen credit for your business by using this credit card responsibly
- $0 Fraud Liability if your card is lost or stolen
- Free employee cards, which also earn unlimited 1% cash back on all purchases
- Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
- No foreign transaction fees
How to choose a business credit card for travel
Choosing among the best business credit cards for travel can be challenging. Look at the following categories to see which perks, rewards and protections are the best fit for your business.
Flexible points such as American Express Membership Rewards or Chase Ultimate Rewards® are generally considered the most valuable rewards due to their flexibility and transfer partners. Some of the best travel credit cards allow you to maximize the value of your points by transferring them to an airline or hotel loyalty program, allowing you to get high-value redemptions such as international flights. However, if you’re loyal to a particular airline or hotel brand, you may want to focus on earning a certain type of airline miles or hotel points. Keep in mind that redeeming rewards for travel can be worth up to twice as much as cash back rewards.
Consider what airline and hotel brands you prefer to use. You can eliminate cards right away if you’re not already a loyal customer of the brand. If you’re loyal to just one airline or hotel, you’ll get more rewards and perks by selecting an airline or hotel business travel card from that brand. But if you don’t have any brand preferences, choosing a general business travel card is likely a better option.
A sign-up bonus can offer a lucrative incentive to apply for a business credit card, quickly netting you up to $1,000 or more in free travel. Keep in mind that you must spend a minimum amount on the card in a certain timeframe to earn the bonus. It’s important to consider both the value of the bonus and how much you typically charge on a business credit card to make sure you can comfortably meet the spending requirement.
The best business travel cards offer bonus rewards earnings in popular business categories such as travel, office supplies and phone and internet services. For example, the Ink Business Preferred® Credit Card lets you earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn. It’s wise to take a look at your business spending from the last year or so to see where you spend the most so you can choose a business travel card that offers bonus rewards in those categories.
Many business travel credit cards include an annual bonus that rewards cardholders for keeping the card year after year. These bonuses include annual free nights, airline companion certificates, credits for fees or other travel expenses and extra miles or points deposited into your account. Some benefits are included simply for paying your annual fee, while others have minimum spending requirements.
Many of the biggest benefits of business travel cards come from the included travel credits and perks. Complimentary or reduced-price airport lounge access gives travelers a premium place to relax and grab a drink or snack before a flight. TSA PreCheck and Global Entry allows jetsetters to save time at airport security and customs, and many business travel cards cover the cost of these programs.
Some airline credit cards even offer a companion certificate, which allows you to bring someone along at no charge (or at a significantly reduced charge) after you’ve paid the taxes and fees.
Many of our picks for the best business travel card offer an array of travel benefits. For example, The New United℠ Business Card comes with two United Club℠ one-time passes per year along with over $500 in travel credits, a free first checked bag, priority boarding on eligible United flights and 25% off inflight food and drink purchases.
If you travel internationally for business or spend money with international companies, make sure to choose a business travel card with no foreign transaction fee. These fees can tack on a cost of up to 3% to purchases made outside the United States. For example, one of our picks, The Blue Business® Plus Credit Card from American Express, charges a foreign transaction fee of 2.7% of each transaction after conversion to US dollars. (see rates & fees) Fortunately, the rest of the cards on our list don’t charge these fees.
The best business credit cards for travel come with insurance that can save the day when a business trip doesn’t go as planned, and some cards offer more comprehensive travel insurance coverage than others. For example, the Ink Business Preferred® Credit Card covers the basics with trip cancellation and interruption coverage as well as auto rental coverage, while the Delta SkyMiles® Reserve Business American Express Card offers those protections plus coverage for lost, stolen or damaged luggage1 and trip delays of more than six hours2.
Some business travel cards, especially cobranded airline and hotel credit cards, offer other travel perks specific to the brand. For example, The Business Platinum Card® from American Express comes with Hilton Honors™ Gold and Marriott Bonvoy® Gold Elite status (enrollment required). And The New United℠ Business Card offers a free first checked bag and priority boarding on eligible United flights plus two United Club℠ one-time passes per year. These perks can be especially valuable for brand loyalists.
Using a personal credit card for business travel
While some business owners are tempted to use a personal credit card for business travel, it’s usually best to book reservations using your business credit card. A business credit card helps you build business credit and keep your personal and business expenses separate. If you use one credit card for both personal and business purchases, you risk losing track of your business expenses. These lost expenses can result in you paying higher taxes and make it hard to get a clear picture of your business profitability.
Furthermore, while most business credit cards don’t show up on your personal credit report as long as you make on-time payments, personal credit cards do. Using a personal credit card for business expenses could make your credit utilization higher than normal — which could negatively affect your credit score.
Frequently asked questions
Our pick for the best business card for international travel is the Capital One Venture X Business. This card comes with an array of business travel perks to help you travel in style, including the chance to earn a lucrative sign-up bonus, airport lounge access, an annual travel credit for bookings through Capital One’s travel site and a trusted traveler program credit. And it has a foreign transaction fee of none, which is great for credit cards for international travel.
A virtual business credit card has several advantages for corporate travel, allowing companies to reduce the risk of fraud, save money and better track their corporate travel. However, small business owners will likely want a traditional business travel credit card to carry in their wallet on business trips. The good news: most of these also offer virtual card numbers that you can use for more secure online transactions.
Yes, business owners can use their rewards for business or personal travel. Typically, rewards earned from airline or hotel credit cards are deposited into your loyalty accounts at the end of each statement cycle, while flexible points generally stay with the bank or card issuer until they are redeemed or transferred. Credit card rewards are typically not taxable because they’re a rebate on spending, although there can be potential tax implications if you’re redeeming for cash or gift cards. Although it depends on your situation, business owners will most likely be permitted to use business credit card points to help pay for personal travel.
While you may technically be able to get away with using your business credit card for personal purchases, you should avoid this practice for several reasons. First, personal use of a business credit card likely goes against the fine print in your credit card agreement. Second, it’s best to keep your business purchases separate to simplify bookkeeping and taxes and protect yourself from liability.
Most small business credit cards require you to provide your Social Security number as a personal guarantee when you apply for business credit. Most business credit cards that allow you to apply using only an employer identification number (EIN) from the IRS are corporate credit cards, but there are exceptions. Check out our list of business cards with no personal credit check to see if one’s a fit for you.
Business entities like an LLC or Corporation are formed to create separation between the business and its owner. While you can use your personal credit card for business expenses, doing so can erode the protections of your LLC. The best option is to use one of the best business travel credit cards for your company expenses and to build credit for your business. Even if your business is new or has little to no revenue, many banks will approve your application based on your personal credit and income.
2. Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
To see rates & fees for American Express cards mentioned on this page, visit the links provided below:
- The Blue Business® Plus Credit Card from American Express
- American Express® Business Gold Card
- Delta SkyMiles® Reserve American Express Card
- The Business Platinum Card® from American Express
- The Hilton Honors American Express Business Card
- Delta SkyMiles® Reserve Business American Express Card
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
The information related to the Capital One Spark Miles Select for Business and Capital One Spark Classic for Business has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
