best travel credit card for business

How to choose a business travel card

How to get the most out of your business travel credit card, alternatives to business travel credit cards, how to apply for a business travel credit card, our methodology.

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Best Business Credit Cards for Travel for May 2024

The best offer flexible rewards points, airline miles or hotel points, and useful card perks.

Holly Johnson

Contributor

Holly Johnson is a credit card expert and writer who covers rewards and loyalty programs, budgeting, and all things personal finance. In addition to writing for publications like Bankrate, CreditCards.com, Forbes Advisor and Investopedia, Johnson owns Club Thrifty and is the co-author of "Zero Down Your Debt: Reclaim Your Income and Build a Life You'll Love."

Evan Zimmer

Staff Writer

Evan Zimmer has been writing about finance for years. After graduating with a journalism degree from SUNY Oswego, he wrote credit card content for Credit Card Insider (now Money Tips) before moving to ZDNET Finance to cover credit card, banking and blockchain news. He currently works with CNET Money to bring readers the most accurate and up-to-date financial information. Otherwise, you can find him reading, rock climbing, snowboarding and enjoying the outdoors.

A business credit card can lower your travel expenses if you take advantage of rewards and other money-saving perks, such as redemption bonuses and annual travel credits. However, you’ll likely need to pay an annual fee to get the best card benefits.

Some credit cards are tied to a specific hotel or airline and offer rewards or complimentary elite membership status. Consider your travel budget, where you stay most often and which airline you prefer to fly with before applying. Here are some of the best business travel cards to choose from.

American Express® Business Gold Card

The American Express® Business Gold Card has a ton going for it, from earning potential to redemption value. Cardholders can redeem Amex points for flights through AmexTravel.com at 1 cent per point, but you might find a higher per-point value by transferring to travel partners. Amex Membership Rewards points transfer to a range of airline and hotel partners, which makes it possible for cardholders to get even more value for their rewards.

In terms of travel benefits, the American Express® Business Gold Card comes with access to a Global Assist hotline and the Hotel Collection through American Express. Other benefits that come standard in exchange for this card’s $375 annual fee include up to a $240 flexible business credit each year (up to $20 statement credit each month for eligible U.S. purchases at FedEx, Grubhub, and office supply stores), up to a $155 annual Walmart+ membership statement credit (up to a $12.95*** statement credit back each month; plus-ups not eligible; subject to auto-renewal) and cell phone protection**.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

***Up to $12.95 plus applicable taxes on one membership fee.

The Business Platinum Card® from American Express

The Business Platinum Card® from American Express also earns flexible American Express Membership Rewards points that can be used for travel through AmexTravel.com or transferred to the brand’s airline and hotel partners. However, this card offers more travel benefits than the American Express® Business Gold Card. This makes sense, considering it has a much higher $695 annual fee.

For example, cardholders get the broadest airport lounge membership available today, up to $400 in statement credits for U.S. purchases with Dell Technologies each year, up to $360 in statement credits toward Indeed each year, up to $150 in Adobe statement credits each year for eligible purchases, up to $120 in  statement credits each year for U.S. wireless phone service providers, up to $189 in statement credits each year toward CLEAR® Plus membership (subject to auto-renewal) and up to a $200 airline incidentals credit each year at one select qualifying airline.

Capital One Venture X Business

The Capital One Venture X Business* is a charge card instead of a credit card , meaning there’s no preset spending limit but the balance on the card must be paid in full each month. This card also comes with a range of benefits that help make up for its $395 annual fee, including Priority Pass Select airport lounge membership, access to Capital One airport lounges and a fee credit toward Global Entry or TSA PreCheck membership .

The Capital One Venture X Business also earns flexible Capital One miles that can be redeemed for options like statement credits, gift cards, travel through Capital One Travel or transfers to Capital One airport and hotel partners.

Ink Business Preferred® Credit Card

The Ink Business Preferred® Credit Card is great for flexibility since it earns points in the Chase Ultimate Rewards program. These points can be used for cash back, gift cards, merchandise and other flexible options. But more importantly, cardholders get 25% more value for points when they redeem for travel through Chase Travel℠, and they can transfer points to Chase airline and hotel partners at a 1:1 ratio.

While the card charges a $95 annual fee, it comes with travel insurance benefits like primary auto rental collision damage waiver when renting a car for business purposes, trip cancellation and interruption insurance, and roadside dispatch.

Delta SkyMiles® Reserve Business American Express Card

The Delta SkyMiles® Reserve Business American Express Card comes with a $650 annual fee, yet its benefits make the fee well worth it for frequent Delta flyers. In addition to Amex Centurion lounge access, cardholders get  15% off award flights with TakeOff 15, and Delta Sky Club membership (Effective 2/1/2025, Reserve Card Members will receive 15 visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/2025, the total eligible purchases on the Card must equal $75,000 or more between 1/1/2024 and 12/31/2024, and each calendar year thereafter; retail value of $695).

Other perks include two Delta Sky Club passes for guests, Main Cabin 1 priority boarding, your first checked bag free, Global Entry or TSA PreCheck membership fee credit, trip cancellation and interruption insurance**, trip delay coverage** and a baggage insurance plan**.

Southwest® Rapid Rewards® Performance Business Credit Card

The Southwest® Rapid Rewards® Performance Business Credit Card is for serious Southwest flyers who want to rack up Southwest Rapid Rewards points while enjoying elite benefits. This card comes with 9,000 points after each cardmember anniversary, four upgraded boardings each year (when available), up to 365 in-flight wifi credits each year and a fee credit toward Global Entry, NEXUS or TSA PreCheck membership.

A $199 annual fee applies, but cardholders can also use this card to get a boost toward elite status with the airline. In fact, every $10,000 spent each calendar year on the card gives users 1,500 tier qualifying points toward A-list status.

United℠ Business Card

The United℠ Business Card makes the most sense for business owners who frequently fly with United Airlines or its Star Alliance partners. It has a $0 introductory annual fee for the first year, then $99 annual fee, and it earns lucrative United miles that can be used for flights around the world.

Cardholder perks include two United Club passes each year, a first checked bag free for the cardholder and a companion traveling on the same reservation, priority boarding, and 25% back on eligible in-flight purchases with the airline. The card also comes with a $100 United credit after cardmembers make at least seven United purchases of $100 or more within an anniversary year.

Some benefits are also offered for frequent flyers who want to pursue elite status with the airline. Specifically, cardholders earn 25 Premier Qualifying Points for every $500 spent on purchases, up to 1,000 PQP in a calendar year.

Marriott Bonvoy Business® American Express® Card

Business owners who frequently stay in Marriott properties should consider the Marriott Bonvoy Business® American Express® Card. This card offers more points on Marriott stays in addition to base points earned for being a loyalty program member. Plus, cardholders get a free night award each anniversary year (up to 35,000 points) and can earn another free night award after spending at least $60,000 on purchases within a calendar year.

A $125 annual fee applies, but cardholders get automatic Marriott Bonvoy Gold status and premium internet access when they stay with the brand. The card also comes with 15 elite night credits toward the next tier of elite status each year.

The Hilton Honors American Express Business Card

Business owners who spend a lot of time in Hilton properties throughout the year can earn a high rewards rate on those stays and other purchases with the Hilton Honors American Express Business Card.

Its welcome offer is on par with top-tier travel cards that typically charge a higher annual. Cardholders can also get up to $240 back each year for eligible purchases made directly with Hilton -- more than enough to cover the card’s $195 annual fee.

A business travel credit card is a type of business credit card or charge card that earns rewards for travel and comes with travel-related benefits. For example, cards in this niche frequently earn flexible rewards that can be redeemed for travel in more than one way. Some common perks include airport benefits like fee credits for Global Entry or TSA PreCheck membership or airport lounge access , as well as travel insurance benefits and annual travel credits.

Co-branded airline and hotel credit cards for businesses also tend to offer brand-specific perks. For example, these cards can come with free checked bags and priority boarding for flights with the airline or its alliance partners, a head start toward elite status and travel-related discounts.

Simplify overseas spending with a card that doesn’t charge foreign transaction fees

Earn points or miles for travel-related spending

Enjoy travel perks that can save time and money

Lack of rewards flexibility with co-branded credit cards

You’ll have to pay an annual fee to get the best travel cards

High interest rates

Before you settle on a business credit card for travel, compare them based on the following factors.

Make sure the cards you’re considering offer the type of rewards you want, whether you prefer flexible rewards points, airline miles or hotel points. Also, look at each card’s earning rate to ensure you’ll earn an optimal amount of rewards for how your business normally spends. If it won’t reward you for how you spend already, then you’re better off choosing another card.

Welcome offer

Consider each card’s welcome bonus and whether you can meet the minimum spending threshold to earn it with regular business purchases and bills. Many business credit cards for travel require high spending requirements ($10,000 or more within the span of a few months) to earn the welcome bonuses they offer. If you have to overspend to reach it, you’ll negate any value you’d get from the bonus.

Travel perks

Ask yourself which travel perks you could benefit from the most. This might be frequent flyer benefits if you fly for work all the time, or you might be better off with on-site hotel benefits if you spend weeks of each year in a hotel for business travel.

Other business credit cards for travel offer more general travel benefits like airport lounge access and membership fees for Global Entry, NEXUS, TSA PreCheck or CLEAR.

Using a business credit card for travel could be a lucrative move, but it could also create problems for you and become costly in the long run. These tips can help you maximize your card’s benefits.

• Take advantage of statement credit offers . Some business credit cards for travel come with statement credits for expedited airport security and airline incidentals. Keep track of the statement credits your card offers and make sure you use them to get more value from your card.
• Use your card in bonus categories to earn more rewards . Keep tabs on the bonus categories your card earns the most rewards in, then use your card for those regular purchases.
• Only charge purchases when you have the cash . No matter what you do, don’t use your business travel card as a short-term loan. If you need a business credit card because you plan to carry a balance, look at cards with a lower APR or business credit cards that offer 0% APR for a limited time.

Business travel credit cards let you earn rewards while enjoying travel-related benefits, but there are some alternatives to consider if you want to make the most of your business spending or you need to borrow money:

• Cash-back business credit cards : Some business credit cards offer cash back instead of travel rewards points, and they tend to come with no annual fee. Some business cards in this category even offer 0% APR on purchases for a limited time, which can be useful if you plan to carry a balance in the short term.
• Small business loan : If you need to borrow money and pay it off over several years, you’ll want to skip credit cards in favor of a small business loan instead. These loans tend to come with much lower interest rates than credit cards, although they don’t come with any perks or rewards.

Finding a business credit card for travel is only one part of the process, meaning you still have to apply and get approved. The following steps can help you get to the finish line.

• Compare card options: Pick a business credit card that offers the type of rewards and benefits you want, and aligns with how you already spend. Also, consider how an annual fee might fit into your travel budget.
• Gather important information: Make sure you know the total income of your household, your annual business income, your Social Security number and the Employer Identification Number for your business (if you have one).
• Apply for a credit card: Apply for the card you want online by filling out the application. You’ll need to share your home address and contact information, your SSN, your EIN (if you have one), the type of business you have, your full income and your business income.
• Get your card: You should hear back instantly with the credit card issuer’s decision, but it may reach out for clarification or more information. Once you’ve received your card, remember to always pay your bill on time.

The best business travel card is the American Express® Business Gold Card for its flexible rewards and good redemption options.

Yes. When you first apply, your personal credit will typically undergo a hard credit check. Also, if your issuer reports to both personal and business credit bureaus, activity on your business credit card could affect your personal credit.

CNET reviews credit cards  by exhaustively comparing them across set criteria developed for each major category, including cash-back, welcome bonus, travel rewards and balance transfer. We take into consideration the typical spending behavior of a range of consumer profiles -- with the understanding that everyone’s financial situation is different -- and the designated function of a card. 

*All information about the Capital One Venture X Business has been collected independently by CNET and has not been reviewed by the issuer.

**Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

For rates and fees of the American Express Business Gold Card,  click here .

For rates and fees of the Marriott Bonvoy Business Card, click here .

For rates and fees of the Business Platinum Card from American Express, click  here .

For rates and fees of the Hilton Honors American Express Business Card, click here .

For rates and fees of the Delta SkyMiles Reserve Business American Express Card, click here .

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

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10 Best Business Credit Cards for Travel 2022

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After comparing fees, rewards, bonuses, and more, we found that Capital One’s free Spark 1.5X Miles Select card offers the best value for the most business owners. We’ll tell you all about why we like Spark 1.5X Miles Select―and about nine other cards that might be a good fit―in the article below. 

Best business credit cards for travel

• Spark 1.5X Miles Select : Best overall business credit card for travel
• Spark 2X Miles : Best for flat-rate miles rate
• Delta SkyMiles® Gold Business Card : Best for travel perks
• Ink Business Preferred® credit card : Best for flexible points
• U.S. Bank Business Leverage® Visa Signature® Card : Best for cash back

Compare the best business credit cards for travel

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Spark 1.5X Miles Select: Best overall business credit card for travel

Capital One’s Spark 1.5X Miles Select is our favorite travel business credit card for most business owners.

So what makes it a standout? It starts with the annual fee―or rather, the fact that Spark 1.5X Miles Select doesn’t have one. In fact, it’s the only travel-focuses business card we’ve found with no annual fee . That makes it a great value for all business owners, including those who don’t do enough travel to offset high fees.

We also like that Spark 1.5X Miles Select earns flat-rate rewards. It doesn’t matter if you’re traveling to a conference, buying your team lunch, or just getting more printer paper. No matter how you spend, this card lets you earn a decent amount of miles.

Now, other cards do let you earn more miles. So if you’re really trying to maximize your miles, Spark 1.5X Miles Select may not be the card for you. But if you want to earn miles without planning your spending, this card does the job.

Likewise, Spark 1.5X Miles doesn’t have a ton of travel perks. Capital One will tell you if flight prices drop (and even refund you after you book), and you don’t pay foreign transaction fees. But don’t expect free checked baggage, a travel lounger, or other top-tier perks.

All the same, Spark 1.5X Miles offers a simple way to earn miles for travel―without worrying about an annual fee. That makes it flexible enough for most business owners, which is why Spark 1.5X Miles is our top business credit card for travel.

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Spark 2X Miles: Best flat-rate miles rate

Like the idea of a flat rewards rate, but want to earn even more? Then Spark 2X Miles could be your perfect business credit card.

Spark 2X Miles lets you earn miles at a flat rate, just like Spark 1.5X Miles Select. But Spark 2X Miles earn more miles per dollar, meaning you’ll rack up free travel faster. Plus, Spark 2X Miles gets you some added perks. You’ll get a credit to put toward Global Entry or TSA Precheck, for example. And you get access to Capital One airport loungers, including two free visits each year.

Of course, you will have to pay more to get all these benefits. Spark 2X Miles has an annual fee (after your first year), though it’s a pretty affordable one. You’ll also pay a high APR if you carry a balance on your Spark 2X Miles card, so we highly recommend paying this one off each month (which is a good practice for all business credit cards).

But simply put, Spark 2X Miles earns you plenty of flat-rate miles and gives you other travel perks―without breaking the bank.

Delta SkyMiles® Gold Business Card: Best for travel perks

Looking for a great balance of travel perks and price? Then check out the Delta SkyMiles® Gold Business Card.

Aside from earning miles on your purchases, the Delta SkyMiles® Gold Business Card rewards you with some great travel benefits. You’ll get a free checked bag on Delta flights, for instance, along with priority boarding. Plus, you’ll save on travel. The Delta SkyMiles® Gold Business Card gives you a $100 Delta flight credit each year (after you spend $10,000) and offers a 20% discount on in-flight purchases.

But this card does have an annual fee (aside from your first year), so make sure those benefits outweigh that cost. And keep in mind, while this card has nice perks, it’s not a super high earning card. You max out a 2X miles for Delta, restaurant, shipping, and advertising purchases. Everything else? Just 1X miles.

All the same, the Delta SkyMiles® Gold Business Card offers a nicer travel experience with a reasonable annual fee.

Ink Business Preferred® credit card: Best for flexible points

If you don’t always want to redeem rewards for travel, Chase’s Ink Business Preferred® credit card can give you more flexibility.

The Ink Business Preferred® credit card earns points instead of miles (and luckily, you can earn them at a pretty high rate for travel, shipping, advertising, and more). You can redeem those points for travel, if you want. In fact, Chase gives you 25% for each point when you redeem for travel. But if you’d rather get cash one month or merchandise the next, the Ink Business Preferred® credit card gives you that option.

Like other cards on this list, the Ink Business Preferred® credit card has an annual fee―and its fee never gets waived at all. So as always, do some math before committing to this card and its fee. And note that this card comes with a generous welcome bonus, but you have to spend a lot ($15,000) to get it. In other words, this card works best for bigger spenders.

If that meets your business needs, though, the Ink Business Preferred® credit card can give you more flexibility than a travel-specific credit card.

U.S. Bank Business Leverage® Visa Signature® Card: Best for cash back

Prefer to get straight up cash? The U.S. Bank Business Leverage® Visa Signature® Card is a cash back business credit card ―but it has a couple extras to reward your travel.

With the U.S. Bank Business Leverage® Visa Signature® Card, you earn 1% on most purchases, but you get 2% cash back in your top two spending categories. Those categories can include travel-related ones like airlines, car rental, gas stations, and hotels. But U.S. Bank gives you 5% cash back (an excellent rate) on prepaid hotels and prepaid car rentals―rewarding you even more for your travels.

The catch? You have to book those car rentals and hotels through U.S. Bank’s Travel Rewards Center―not the most convenient way of doing things. And the U.S. Bank Business Leverage® Visa Signature® Card is another card that has an annual fee after your first year, so you’ll want to make sure you travel enough to get your money’s worth. 

But for basic cash back―with a little extra for travel―the U.S. Bank Business Leverage® Visa Signature® Card is a solid option.

Want affordable banking with great perks? With Bluevine, you can get a fee-free business checking account―and you can even earn up to $5,000 in interest.

Honorable mentions

Haven’t seen the right credit card for your small business yet? Then maybe one of our five honorable mentions will interest you.

• CitiBusiness®/AAdvantage® Platinum Select® Mastercard® : Best for American Airlines travel
• Business Gold Card : Best credit limit
• Business Platinum Card® : Highest points rate
• Delta SkyMiles® Platinum Business Card : Highest miles rate
• Delta SkyMiles® Reserve Business Card : Best for heavy travel

Compare honorable mention business credit cards for travel

Citibusiness®/aadvantage® platinum select® mastercard®: best for american airlines travel.

We’ve already shown you that American Express has some great deals for Delta customers―but what if you fly American Airlines? In that case, take a look at the CitiBusiness®/AAdvantage® Platinum Select® Mastercard®.

The CitiBusiness®/AAdvantage® Platinum Select® Mastercard® earns extra miles for American Airline purchases―plus it saves you 25% on in-flight purchases. As you might expect, it also gets you a free checked bag and preferred boarding. And if you spend $30,000 with your card in one year, you earn an American Airlines Companion Certificate.

You will have to pay an annual fee after year one, so make sure you travel enough on American Airlines to justify the CitiBusiness®/AAdvantage® Platinum Select® Mastercard®.

Business Gold Card: Best credit limit

Looking for a high-limit business credit card ? Then we think American Express’s Business Gold Card will interest you.

With the Business Gold Card, you don’t have a strict credit limit. Instead, American Express gives you an adaptable spending limit. It automatically adjusts based on your card usage (and repayments), meaning you can get more buying power without calling to ask for a credit limit bump.

The Business Gold Card earns points, not miles. But you can earn a 4X rate in your top categories (like airfare), and you can get points back for booking travel through American Express. That just might make the $295 annual fee―the highest so far―worth it. 

Business Platinum Card®: Highest points rate

If you like the idea of earning flexible points (like with the Ink Business Preferred® credit card) but you want the highest possible rate, you need American Express’s Business Platinum Card®.

The Business Platinum Card® earns up to 5X points on flights and hotels, making it one of the top-earning business credit cards. Plus, you can usually get a generous welcome offer that earns you even more points. And to sweeten things further, this card gets you access to American Express airport lounges, gives you a baggage fee credit, and has several other travel perks.

Those benefits come at a high cost, though. The Business Platinum Card® is the most expensive card on this list, with an annual fee of almost $700. So it’s not right for all business owners―but it can get you a very high points rate.

Delta SkyMiles® Platinum Business Card

If you’d rather get a top-notch rate on miles than points, then you’ll like the Delta SkyMiles® Platinum Business Card.

Delta SkyMiles® Platinum Business Card earns up to 3X miles on travel through Delta. And like other American Express cards, it offers great welcome bonuses when you open your card. This Delta-branded card also gets you travel benefits like priority boarding, a free checked bag, and (paid) access to the Delta Sky Club. You even get a companion certificate each year when you renew.

But as you can guess from seeing other AmEx cards, this one has a hefty annual fee. And while the 3X max rewards rate is great, it only applies to travel. So if you want a high rate on everyday spending, you may prefer a different credit card.

Delta SkyMiles® Reserve Business Card: Best for heavy travel

Our final pick is only for very frequent fliers. But if that’s you, the Delta SkyMiles® Reserve Business Card has all sorts of great benefits.

For starters, you earn 3X miles on travel. Rather than having a welcome bonus, though, this card lets you earn 15,000 bonus miles whenever you spend $30,000 in one year. You can even earn that bonus more than once a year. You’ll also enjoy travel perks like complimentary airport lounge access, a companion certificate, concierge assistance, free checked bags . . . and so on.

In other words, the Delta SkyMiles® Reserve Business Card offers some of the best travel perks we’ve seen. But with a $550 annual fee, only regular travelers will be able to justify this pricey business credit card.

The takeaway

The Spark 1.5X Miles Select credit card from Capital One is our top business credit card for travel. It has no annual fee, earns flat-rate rewards and starts you off with a (with a 16.99%–26.99% variable APR after). That means it provides plenty of value for all kinds of business owners.

To earn even more miles at a flat rate, you can upgrade to the Spark 2X Miles card from Capital One. For airline-specific perks, we suggest American Express’s Delta SkyMiles® Gold Business Card. Business owners wanting more flexibility than simple miles will like the points rewards from Chases’s Ink Business Preferred® credit card. And the U.S. Bank Business Leverage® Visa Signature® Card offers basic cash back while giving you extra rewards for your travel.

Safe travels!

Found the right travel card for your small business? Find out how to apply for a business credit card and start earning those miles.

Related reading

• Best Instant Approval Credit Cards 2023
• 5 Best Business Credit Cards for Balance Transfer 2023
• Best 0% Interest Business Credit Cards 2023
• How to Get a High-Limit Business Credit Card
• What’s the Difference Between a Business Credit Card and Corporate Credit Card?

Methodology

We analyzed more than three dozen credit cards to find the best business credit cards for travel. We narrowed things down by looking for business cards that offered miles rewards, travel perks, or extra value for redeeming travel. Then we scored those credit cards based on their fees, purchase APR, rewards rate, and more.

Choosing the right business credit card for travel

While we do like the Spark 1.5X Miles Select card for many business owners, you should know that there’s no one-size-fits-all business credit card for travel. (In fact, there’s no one-size-fits-all small-business credit card at all.) Instead, you need to find the card that works with your business needs and habits.

So as you shop for a travel credit card for your business, think about these questions:

How often do you travel?

Frequent travelers may want lots of perks for their trips―like lounge access, companion passes, priority boarding, and more. If you travel enough, a $550 annual fee might feel worthwhile to get those perks.

But for business owners that travel every once in a while, a lower-fee card with fewer perks might be a better fit.

How do you travel?

Consider what airlines you use. If you mostly use American Airlines, for instance, getting the CitiBusiness/AAdvantage Platinum Select card could make a lot of sense. But that card won’t offer as much for Delta customers. Instead, they should get an American Express Delta SkyMiles card.

On the other hand, travelers that don’t fly as much may prefer a flat-rate card (like the Spark cards from Capital One) that reward you just as much for car rentals, hotels, and other traveling expenses.

Would you like more flexibility?

It’s great to get miles for free travel, but maybe you’d rather get a more flexible kind of reward. In that case, you can look for business credit cards that reward you with cash back or points.

Some of these (like Chase’s Ink Business Preferred) still give you some nice rewards for traveling, but they give you more options for using those rewards.

Travel business credit card FAQ

Yes, you can use your business credit card for travel―as long as it’s business travel.

Capital One’s Spark 1.5X Miles Select is the best business credit card to use while traveling (in most cases). It earns flat-rate miles on all your purchases and has no annual fee, making it a good value for all traveling business owners.

If you travel a lot, though, you may prefer a business credit card with more travel perks like the Delta SkyMiles® Gold Business Card.

Yes, most credit card companies let you use your business credit card rewards points for personal travel. But when in doubt, ask your credit card company for its policy.

Yes, you can use an EIN to get a business credit card .

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Find the best credit card for you

The best business credit cards for travel of june 2024, these cards offer valuable travel rewards and perks like airport lounge access and free hotel nights..

Terms apply to American Express benefits and offers. Visit  americanexpress.com  to learn more.

There are many different types of business credit cards available, but the best ones are generally those that earn travel rewards .

The rewards you earn with business travel credit cards can be used to book flights or hotel stays for your employees or even fund your next vacation. These cards may also offer statement credits, no foreign transaction fees and travel or purchase protections , which provide additional value outside of the rewards you can earn.

Below, CNBC Select details the best small business travel credit cards. We look at the rewards and costs of each card, so you can make the best choice for your small business or side hustle. (See our methodology for more information on how we choose the best business credit cards for travel.)

Best business travel credit cards

• Best for travel rewards: Ink Business Preferred® Credit Card
• Best for no annual fee: The Blue Business® Plus Credit Card from American Express (See rate and fees )
• Best for flexible spending categories: The American Express® Business Gold Card
• Best for premium travel perks: The Business Platinum Card® from American Express
• Best for hotels: IHG One Rewards Premier Business Credit Card
• Best for domestic flights: Southwest® Rapid Rewards® Performance Business Credit Card

Best for travel rewards

Ink business preferred® credit card.

Earn 3X points per $1 on the first $150,000 spent in combined purchases in select categories each account anniversary year (travel; shipping purchases; internet, cable and phone services; and advertising purchases with social media sites and search engines), 1X point per $1 on all other purchases

Welcome bonus

Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

Regular APR

21.24% - 26.24% variable

Balance transfer fee

Either $5 or 5% of the amount of each transfer, whichever is greater

Foreign transaction fee

Credit needed.

Good/Excellent

Terms apply.

Read our Ink Business Preferred® Credit Card review.

• Free employee cards
• Points are worth 25% more when you redeem for travel through Chase TravelSM
• 1:1 point transfer to leading frequent travel programs
• No fee charged on purchases made outside the U.S.
• Generous welcome bonus worth up to $1,000
• $95 annual fee
• No introductory 0% financing offers for purchases or balance transfers

Who's this for? The Chase Ink Business Preferred is an ideal fit for businesses that spend heavily on travel, shipping , internet, advertising (with social media sites or search engines) or cable and phone services.

Standout benefits: What makes this such a great business card for travel is the options you have for redeeming the points you earn. You can use Chase Ultimate Rewards® points to book travel through the Chase Travel SM at a rate of 1.25 cents per point (25% more value than redeeming for cash back) or transfer them to 14 airline and hotel partners. The Ink Business Preferred also has a variety of travel insurance and purchase protection benefits, which can save your business money when things go wrong.

[ Jump to more details ]

Best for no annual fee

The blue business® plus credit card from american express.

Earn 2X Membership Rewards® points on everyday business purchases up to $50,000 per year, then 1X point per dollar

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% for 12 months on purchases from date of account opening

18.49% - 26.49% variable; APRs will not exceed 29.99%

See rates and fees , terms apply.

• No annual fee
• Straightforward rewards program
• 2.7% foreign transaction fee

Who's this for? The Blue Business Plus Credit Card from American Express is a simple, yet rewarding, card that's a good choice for anyone who's just starting a business venture.

Standout benefits: The American Express Blue Business Plus card earns American Express Membership Rewards® points , which are some of the best travel rewards you can earn.

Best for flexible spending categories

American express® business gold card.

Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle 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. 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.

Earn 70,000 Membership Rewards points after you spend $10,000 on eligible purchases within the first three months of card membership

Not applicable

19.49% - 28.49% variable

• Get 25% points back when you use points for flights
• Flexible solutions for managing cash flow
• No foreign transaction fee
• No cost to add up to 99 employee cards
• $375 annual fee
• No introductory APR offer

Who's this for?  The American Express Business Gold Card is ideal for businesses whose primary expenses change month to month. Rather than having fixed bonus categories, with this card, you'll automatically earn elevated rewards for your 2 highest-spend categories each billing cycle from six eligible categories, allowing for maximum flexibility. While your top two 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.

Standout benefits: The six categories in which you can potentially earn bonus points, including airfare, U.S. advertising, U.S. shipping, computer purchases from U.S. providers, U.S. gas stations and U.S. restaurants. The card also provides a 25% airline bonus that lets you get some of your points back when you use Pay with Points to book flights, access to various expense management tools, *baggage insurance, trip delay insurance, car rental loss and damage insurance and no foreign transaction fees (see rates and fees ).

Best for premium travel perks

The business platinum card® from american express.

Earn 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com and 1X points for each dollar you spend on eligible purchases. Also, earn 1.5X points (that's an extra half point per dollar) on each eligible purchases at US construction material, hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.

 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.

Excellent/Good

• Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®
• Get 35% points back when you use points to purchase all or part of an airline fare, up to 500,000 bonus points back per calendar year
• American Express Global Lounge Collection
• Breeze through security with CLEAR® Plus where available and get up to $189 back per year on your membership when you use your card. (subject to auto-renewal)
• Up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your card
• $695 annual fee
• No introductory 0% financing offers

Who's this for? The Business Platinum Card from American Express is ideal for business owners who frequently travel and enjoy luxury benefits.

Standout benefits: Cardholders enjoy a long list of premium perks, including complimentary airport lounge access , a statement credit for  Global Entry  or TSA PreCheck® , shopping credits, comprehensive travel insurance, complimentary hotel loyalty program status, rental car benefits and more. Plus, the Business Platinum Card earns valuable Membership Rewards points , which can be used to book just about any type of travel.

Best for hotels

Ihg one rewards premier business credit card.

Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts, 5X points per dollar spent on travel and at gas stations, restaurants and dining, social media and search engine advertising and at office supply stores, 3X points per dollar spent on all other purchases

Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening

21.49% - 28.49% variable

Member FDIC. Terms apply.

• Annual free night
• Great for spending with IHG hotels
• Reasonable annual fee
• Not as rewarding for most spending
• No intro-APR offer
• Hefty balance transfer fee

Who's this for? The to IHG One Rewards Premier Business Credit Card can help small business owners quickly turn their expenses into free nights across IHG's 18 hotel brands, such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®.

Standout benefits: The biggest benefit of this card is an annual free night certificate valid and IHG hotels costing up to 40,000 points per night. Cardholders also enjoy VIP treatment with IHG One Rewards Platinum Elite status (as long as you remain a Premier cardmember), as well as up to $50 worth of United TravelBank Cash each year and a Global Entry, TSA PreCheck® or NEXUS statement credit of up to $100 every 4 years as reimbursement for the application fee charged to your card. Plus, cardholders get a fourth night free when redeeming points for a consecutive four-night IHG® hotel stay.

Best for domestic flights

Southwest® rapid rewards® performance business credit card.

Earn 4X points on Southwest® purchases; 3X points on Rapid Rewards® hotel and car rental partners; 2X points on rideshare; 2X points on social media and search engine advertising, internet, cable, and phone services; 1X points on all other purchases

Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.

$199 applied to first billing statement

5%, minimum $5

Foreign transaction fees

Member FDIC. See our methodology , terms apply.

• Bonus counts toward earning a Southwest Companion Pass
• Generous ongoing benefits
• Higher annual fee
• Not as rewarding as other cards for certain purchases

Who's this for? The Southwest Rapid Rewards Performance Business Credit Card is geared toward business owners who want to save money and get special perks when flying Southwest and potentially earn the Southwest Companion Pass , which over time would allow them to save even more.

Standout benefits: This card comes with a handful of helpful travel benefits, such as bonus points every account anniversary, in-flight WiFi credits, upgraded boardings, a TSA PreCheck or Global Entry application fee credit and an opportunity to fast-track Southwest elite status or the coveted Southwest Companion Pass.

More on our top business travel cards

The Chase Ink Business Preferred is an excellent business card with useful benefits, valuable rewards and a generous welcome bonus.

• 3X points per dollar on the first $150,000 spent in combined purchases in select categories each account anniversary year (travel; shipping purchases; internet, cable and phone services; and advertising purchases with social media sites and search engines)
• 1X point per dollar spent on all other purchases

Earn 100,000 points after you spend $8,000 on purchases in the first three months from account opening.

Notable   perks

You can use Chase Ultimate Rewards® points to book travel through Chase Travel SM at a rate of 1.25 cents per point, which is a 25% increase in value compared to using the points for cash back.

The Ink Business Preferred also gives you the ability to transfer Chase points to numerous hotel and airline partners at a 1:1 ratio. Having the ability to transfer your points unlocks all sorts of redemption possibilities. For example, you could transfer points to World of Hyatt and book an all-inclusive resort stay in the Caribbean or transfer points to Aeroplan, Avianca or United and book cheap business-class flights to Europe on Star Alliance carriers.

This card also has built-in insurance coverage that automatically applies to eligible purchases, such as cell phone protection , purchase protection and extended warranty coverage. When you pay for eligible travel with the card, you'll also get insurance for rental cars (collision only), trip delays, trip cancellations/interruptions and baggage delays.

[ Return to card summary ]

The Blue Business Plus Credit Card from American Express has no annual fee (see rates and fees ) and earns an above-average return on general, everyday expenses .

• 2X points per dollar on the first $50,000 spent per year on everyday business purchases (then 1X point per dollar thereafter)

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 (see rates and fees )

The American Express points you earn with this card transfer to 19 airline and hotel loyalty programs. With so many travel partners, there are lots of possibilities for maximizing your Amex points . Plus, American Express frequently offers transfer bonuses , which further increase the value of your points.

Other perks of the Blue Business Plus Credit Card from American Express include access to expanded buying power , extended warranty coverage, purchase protection, rental car insurance and the ability to link with Quickbooks for simplified accounting.

The American Express® Business Gold Card

The American Express Business Gold Card is one of the best business cards for maximizing your spending. It offers flexible bonus reward categories based on where your business spends the most.

• 4X points per dollar on two select categories where you spend the most each month (on up to $150,000 in combined purchases from these categories each calendar year)

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.

$375 (see rates and fees )

In addition to transferring their points to Amex's various airline and hotel partners, cardholders can redeem their points toward eligible airfare booked through the  Amex Travel Portal  and receive a 25% points rebate (up to 250,000 points per calendar year). The rebate applies to business and first class tickets on any airline, or any class on your selected qualifying airline.

Cardholders can also take advantage of expense management tools like the American Express ®  Business App, year-end summaries and Vendor Pay by Bill.com and enjoy peace of mind with coverages like *baggage insurance, trip delay insurance and car rental loss and damage insurance.

The Business Platinum Card from American Express is a premium business card loaded with perks that help justify its steep annual fee .

• 5X points per dollar spent on flights and prepaid hotels on AmexTravel.com
• 1.5X points per dollar spent on eligible purchases at U.S. construction material, hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else (on up to $2 million of these purchases per calendar year)

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. 

$695 (see rates and fees ).

The Business Platinum Card from American Express has a long list of notable perks, including the following statement credits:

• Global Entry ($100) or TSA PreCheck® (up to $85) application fee credits
• $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®
• Up to $90 per quarter for all Indeed products and services (up to $360 annually)
• Up to $10 per month in credit for purchases with U.S. wireless phone providers
• Up to $150 for select Adobe prepaid annual plans for teams with Creative Cloud and Acrobat Pro DC. Enrollment required. 
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.

It also grants cardmembers access to over 1,400 airport lounges through the American Express Global Lounge Collection gold elite status with Marriott Bonvoy and Hilton Honors (enrollment required) and rental car benefits with National , Avis and Hertz . The card also offers *cell phone protection, trip delay insurance and trip interruption/cancellation coverage. Plus, cardholders can receive a 35% points rebate (up to 1,000,000 points per calendar year) on eligible airfare booked through Amex Travel using Amex's Pay with Points program.

The IHG One Rewards Premier Business Credit Card is a hotel business card with a reasonable annual fee that can be easily justified by its ongoing benefits.

• Up to 26X points per dollar spent at IHG Hotels and Resorts (10X points from IHG for being an IHG One Rewards Member, 10X points per dollar spent at IHG hotels as a cardholder and up to 6X points for having Platinum Elite status)
• 5X points per dollar spent on travel, at gas stations, select advertising, and restaurants
• 3X points per dollar spent on all other purchases

Cardholders receive an annual free night certificate valid and IHG hotels costing up to 40,000 points per night (though the certificate can be combined with IHG points to book more expensive properties ). Cardholders also receive automatic IHG Platinum Elite status and the fourth night free when booking IHG points stays of four nights or more. Benefits of IHG Platinum Elite status include complimentary room upgrades upon availability, late checkout and a welcome amenity at check-in.

Other perks include up to $50 worth of United TravelBank Cash each year and a statement credit of up to $100 every four years to put toward Global Entry, TSA PreCheck® or NEXUS statement credit of up to $100 every 4 years as reimbursement for the application fee charged to your card. Cardholders also earn 10,000 bonus points and a $100 statement after spending $20,000 on the card within the account anniversary year.

The Southwest Rapid Rewards Performance Business Credit Card is Southwest's most premium business credit card and can be incredibly rewarding for frequent flyers, especially those chasing the Southwest Companion Pass or other Southwest elite status.

• 4X points per dollar spent on Southwest® purchases
• 3X points per dollar spent on Rapid Rewards® hotel and car rental partners
• 2X points per dollar spent on rideshare
• 2X points per dollar spent on social media and search engine advertising, internet, cable, and phone services

Earn 80,000 points after spending $5,000 on purchases in the first three months from account opening.

The Southwest Performance Business Card's annual fee can easily be offset if you take full advantage of its many benefits:

• 9,000 Rapid Rewards points every account anniversary (worth roughly $135)
• Up to 365 in-flight WiFi credits per year with Southwest Airlines (worth $8 each)
• Four Upgraded Boardings per year (when available)
• Up to $100 in application fee credit for  TSA PreCheck®  or  Global Entry
• Up to $500 in Rapid Rewards transfer fee credits each membership year

This card is also useful in giving you a leg up on earning Southwest elite status. For every $10,000 you spend on the card, you'll earn 1,500 Tier Qualifying Points.

Plus, the Rapid Rewards points you earn from spending and the welcome bonus count toward earning a Southwest Companion Pass , which allows you to bring along a companion on any Southwest flight for just the cost of taxes and fees. If you live near an airport Southwest serves, the Companion Pass is one of the best travel deals because it works with points flights and flights paid with cash.

Find the best credit card for you by reviewing offers in our  credit card marketplace  or get personalized offers via  CardMatch™ .

Is a business travel card worth it?

Business travel credit cards can be exceptionally valuable compared to other types of business rewards credit cards. However, if you prefer to use credit card rewards for things other than travel, you may receive more value from a business cash-back credit card .

What's the best business credit card for airline miles?

The best business credit card for earning airline miles depends on which airline you prefer to travel with as Delta, United, JetBlue, American and Southwest all offer their own business credit cards. For those who want more flexibility, a card like the Chase Ink Business Preferred or American Express Business Gold Card are better options because both cards earn rewards you can transfer to various airlines.

Can I use business card rewards for personal travel?

You can use the rewards you earn from business credit cards to book personal or business travel. Small business credit cards are typically linked to personal travel rewards programs and the points or miles you earn from personal and business credit cards are often automatically combined or can usually be pooled together.

Bottom line

Small business credit cards are essential for keeping personal and business expenses separate. But they can also earn valuable rewards for your everyday business expenses. With the right business credit card for travel, you can maximize the miles or points you earn and take advantage of benefits designed for travelers.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card   review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of small business credit card   products .  While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See  our methodology  for more information on how we choose the best business travel credit cards.

Our methodology

To determine which business cards offer the best value, CNBC Select analyzed dozens of the most popular credit cards available to U.S. business owners. We compared each card on a range of features, including annual fee, employee card fee, rewards, welcome bonus, introductory and standard APR and foreign transaction fees, as well as factors such as required credit and customer reviews when available. We also considered additional perks, the application process and how easy it is to redeem points.

Catch up on CNBC Select's in-depth coverage of  credit cards ,  banking  and  money , and follow us on  TikTok ,  Facebook ,  Instagram  and  Twitter  to stay up to date.

* 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; Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

For rates and fees of the Business Platinum Card® from American Express, click here .

For rates and fees of the Blue Business® Plus Credit Card from American Express, click here .

For rates and fees of the American Express® Business Gold Card, click here .

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