When looking for the best business travel card, consider how often you travel, your usual destinations, and whether you prefer to earn miles, points, or cash back rewards. While there are cards with high annual fees, the best business credit cards for travel lack foreign transaction fees and offer premium travel benefits. Some even offer perks like free checked baggage, airport lounge access, and room upgrades.
Here are the top nine best business credit cards for travel:
- Chase Ink Business Preferred: Best overall business credit card for travel for high introductory bonus and credit limit
- American Express Business Platinum Card: Best for luxury international travel perks
- Bank of America Business Advantage Travel Rewards World Mastercard: Best for 0% annual percentage rate (APR) and not reporting to personal credit bureaus
- Capital One Spark Miles for Business: Best for earning unlimited rewards and complimentary access to airport lounges
- U.S. Bank Business Leverage® Visa Signature® Card: Best for generous travel rewards and pay over time
- Delta SkyMiles Platinum Business American Express Card: Best for frequent Delta Air Lines flyers
- Capital One Venture X Business: Best for lucrative welcome offer and flexible spend capacity
- Hilton Honors American Express Business Card: Best for stays at Hilton Hotels & Resorts worldwide
- Marriott Bonvoy Business® American Express Card: Best for stays at Marriott Properties worldwide
Overview of the Best Business Travel Credit Cards
Best For | Annual Fee | Welcome Offer | Ongoing Rewards | ||
---|---|---|---|---|---|
Chase Ink Business Preferred | (Overall best) business credit card for travel with a high introductory bonus and high credit limit | $95 | Up to 5x points | ||
American Express Business Platinum Card | Luxury international travel perks | $695 | Up to 5x points | ||
Bank of America Business Advantage Travel Rewards World Mastercard | 0% APR and not reporting to personal credit bureaus | $0 | 1.5x points | ||
Capital One Spark Miles for Business | Earning unlimited rewards and complimentary access to airport lounges | $95; waived for the first year | Up to 5x miles | ||
U.S. Bank Business Leverage® Visa Signature® Card | Generous travel rewards and pay over time | $95; waived for the first year | Up to 5% cash back | ||
Delta SkyMiles Platinum Business American Express Card | Frequent Delta flyers | $350 | Up to 3x miles | ||
Capital One Venture X Business | Lucrative welcome offer and flexible spend capacity | $395 | Up to 10x miles | ||
Hilton Honors American Express Business Card | Stays at Hilton Hotels and Resorts Worldwide | $195 | Up to 12x points | ||
Marriott Bonvoy Business American Express Card | Stays at Marriott Properties worldwide | $125 | Up to 6x points |
Chase Ink Business Preferred®: Overall Best Business Travel Credit Card With High Introductory Bonus & Credit Limit
Ink Business Preferred® Credit Card
BEST FOR:
Maximizing travel rewards at a lower annual fee
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- 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 25% more when you redeem for travel through Chase Ultimate Rewards®
- 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
Pros
- Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
- Comprehensive travel and purchase protection
- $0 foreign transaction fees
Cons
- No interest-free financing option on both purchases and balance transfers
- With annual fee
- Need to make extremely large purchases to qualify for the welcome offer
- Cellphone protection: Get up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees listed on your monthly cellphone bill
- Purchase protection: Can cover your new purchases for 120 days against damage or theft of up to $10,000 per claim and $50,000 per account
- Extended warranty protection: You can extend the period of the United States manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
- Fraud monitoring: Chase will help keep your accounts safe with account alerts―and you can choose how you’d like to receive them
- Free employee cards: You can create employee cards at no additional cost, and lets you set individual spending limits―helping you earn rewards even faster
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- 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 25% more when you redeem for travel through Chase Ultimate Rewards®
- 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
Pros
- Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
- Comprehensive travel and purchase protection
- $0 foreign transaction fees
Cons
- No interest-free financing option on both purchases and balance transfers
- With annual fee
- Need to make extremely large purchases to qualify for the welcome offer
- Cellphone protection: Get up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees listed on your monthly cellphone bill
- Purchase protection: Can cover your new purchases for 120 days against damage or theft of up to $10,000 per claim and $50,000 per account
- Extended warranty protection: You can extend the period of the United States manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
- Fraud monitoring: Chase will help keep your accounts safe with account alerts―and you can choose how you’d like to receive them
- Free employee cards: You can create employee cards at no additional cost, and lets you set individual spending limits―helping you earn rewards even faster
Who Should Consider the Chase Ink Business Preferred®
This is our overall best business credit card for travel given its lucrative welcome offer, premium points rewards, and 1:1 points transfer through the Chase Ultimate Rewards. The card does not offer a 0% introductory period, but it has a low annual fee and $0 foreign transaction fees. It’s no surprise that the card also made it to our lists of the best credit cards for new businesses with no credit history and top high-limit business credit cards.
Rewards:
- 5x points on Lyft rides until March 2025
- 3x points on the first $150,000 combined spend categories on the following: shipping; advertising purchases made with social media sites and search engines; internet, cable, and phone services; and travel
- 1x points on all other purchases
Other benefits:
- Receive 100,000 bonus points after spending $8,000 on purchases within the first 3 months from the date of account opening—valued at $1,000 cash back or $1,250 travel rewards when redeeming through Chase TravelSM
- Redeem earned points as a statement credit to your balance or as gift cards
- Utilize earned points to offset purchases made in Chase TravelSM (1:1 point transfer) and Apple® Ultimate Rewards Store
- Issue employee cards at no additional cost
Take note of the following considerations:
- It does not offer a 0% introductory period on purchases and balance transfers.
- It offers a few participating travel programs for the 1:1 points transfer.
American Express Business Platinum Card®: Best for Luxury International Travel Perks
The Business Platinum Card® from American Express
BEST FOR:
Gaining access to unrivaled travel rewards and luxury travel perks like airport lounge access
- 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.
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase 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.
- 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®, here.
- $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.
- $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®.
- 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 03/2023.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,400 airport lounges worldwide
- $0 foreign transaction fee
Cons
- Balance is due in full monthly
- High annual fee
- American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
- Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,400 lounges worldwide for you and two guests.
- Airport screening: Either a $100 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
- Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
- Rental status: Elite status at a number of car rental agencies.
- Free Wi-Fi: 10 annual free Gogo inflight Wi-Fi passes.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 500,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell 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.
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase 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.
- 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®, here.
- $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.
- $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®.
- 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 03/2023.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,400 airport lounges worldwide
- $0 foreign transaction fee
Cons
- Balance is due in full monthly
- High annual fee
- American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
- Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,400 lounges worldwide for you and two guests.
- Airport screening: Either a $100 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
- Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
- Rental status: Elite status at a number of car rental agencies.
- Free Wi-Fi: 10 annual free Gogo inflight Wi-Fi passes.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 500,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
Who Should Consider the American Express Business Platinum Card®
If you want access to luxury travel perks, such as access to more than 1,400 airport lounges, rebates from notable brands, and upgraded status from two notable hotel properties, then this card is perfect for you. Its many benefits, high welcome offer, and points rewards make up for the high annual fee of $695 and are why this card is our top high-limit business credit card and leading business credit card with airport lounge access.
Rewards:
- 5x Membership Rewards® points on flights and prepaid hotels booked on amextravel.com
- 1.5x Membership Rewards® points on the first $2 million in eligible purchases from the following key business categories:
- United States construction material and hardware supplies
- US electronic goods retailers
- Software and cloud system providers
- US shipping
- 1.5x Membership Rewards® points on a single-receipt purchase worth at least $5,000
- 1x Membership Rewards® points on all other eligible purchases
Other benefits:
- Receive 150,000 Membership Rewards® points after spending $20,000 on eligible purchases within the first three months from the date of account opening
- Secure cash back on the following brands
Note that purchases must be done on or before Dec. 31, 2024.
:
- Up to $400 back (up to $200 semi-annually) on US purchases with Dell Technologies
- Up to $360 back (up to $90 quarterly) on purchases with Indeed
- Up to $150 back on selected auto-renewing annual business subscriptions with Adobe
- Up to $120 back per year on US wireless telephone service providers
- Have access to more than 1,400 airport lounges globally through The Global Lounge Collection®
- Upgrade your status on the following hotel properties:
- Marriott Bonvoy: Upgrade to Marriott Bonvoy® Gold Elite Status (without meeting any stay requirements)
- Hilton Honors™: Upgrade to Hilton Honors™ Gold Status (requires you to enroll to secure this)
Take note of the following considerations:
- It does not offer a 0% introductory period on purchases and balance transfers.
- It lets you enjoy $0 foreign transaction fees.
- It requires you to pay your balances in full each month.
Bank of America® Business Advantage Travel Rewards World Mastercard®: Best for 0% APR & Not Reporting to Personal Credit Bureaus
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
BEST FOR:
Earning top rewards on travel purchases booked through Bank of America Travel Center
9 billing cycles
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No limit to the amount of points you can earn and points don't expire as long as your account remains open.
- No annual fee and no international transaction fees.
- Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Charges $0 annual and foreign transaction fees
- Offers fixed-rate cash back rewards
- Has no blackout dates
Cons
- Does not offer a 0% introductory period on balance transfers
- Requires excellent credit to qualify
- Bank of America doesn’t disclose details of its additional card features. To find out more about these additional features, review your guide to benefits when you receive your card in the mail.
9 billing cycles
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No limit to the amount of points you can earn and points don't expire as long as your account remains open.
- No annual fee and no international transaction fees.
- Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Charges $0 annual and foreign transaction fees
- Offers fixed-rate cash back rewards
- Has no blackout dates
Cons
- Does not offer a 0% introductory period on balance transfers
- Requires excellent credit to qualify
- Bank of America doesn’t disclose details of its additional card features. To find out more about these additional features, review your guide to benefits when you receive your card in the mail.
Who Should Consider the Bank of America® Business Advantage Travel Rewards World Mastercard®
Those who need a 0% introductory period on purchases and have an existing Bank of America business checking account would want to look into this card. Not only can you enjoy $0 annual and foreign transaction fees, but you can also redeem earned rewards for statement credits, which can help offset your travel and dining purchases.
The card’s unique benefits, not reporting to personal credit bureaus, and charging $0 foreign transaction fees are why it’s our top business card with no foreign transaction fee and one of our best business cards that don’t report to personal credit.
Reward:
- Unlimited 1.5x points for every dollar spent on all purchases, with no limit on the earned points
Other benefits:
- Get 30,000 bonus points after spending at least $3,000 in purchases within the first 90 days from the date of account opening
- Secure up to additional 75% more points on every purchase through Bank of America’s Preferred for Business
- Enjoy a 0% introductory period on purchases for the first nine billing cycles
Take note of the following considerations:
- It does not offer a 0% introductory period on balance transfers.
- Compared to other travel business credit cards on our list, its rewards are not as lucrative.
Capital One Spark Miles for Business: Best for Earning Unlimited Rewards and Complimentary Access to Airport Lounges
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BEST FOR:
Unlimited 2x miles with every swipe
- Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months of account opening.
- Unlimited 2x miles on every purchase, with no blackouts or seat restrictions and no minimum miles to redeem
- 5x miles on hotels and rental cars booked through Capital One Travel
- Issue employee cards for free
Pros
- Provides a welcome offer
- Offers fixed-rate miles rewards on all purchases
- Does not charge balance transfer and foreign transaction fees
Cons
- Does not have a 0% introductory period on purchases and balance transfers
- Charges an annual fee after the first year
- Airport security screening reimbursement: Either a $100 statement credit for Global Entry or an $85 statement credit for TSA PreCheck® once every four years.
- Payment flexibility: Capital One lets you choose your monthly due date, enabling your business to control when to pay.
- Capital One Lounge: Cardholders get two free visits per year to the Capital One Lounge, which offers luxurious amenities and fresh, local food and beverage options.
- Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months of account opening.
- Unlimited 2x miles on every purchase, with no blackouts or seat restrictions and no minimum miles to redeem
- 5x miles on hotels and rental cars booked through Capital One Travel
- Issue employee cards for free
Pros
- Provides a welcome offer
- Offers fixed-rate miles rewards on all purchases
- Does not charge balance transfer and foreign transaction fees
Cons
- Does not have a 0% introductory period on purchases and balance transfers
- Charges an annual fee after the first year
- Airport security screening reimbursement: Either a $100 statement credit for Global Entry or an $85 statement credit for TSA PreCheck® once every four years.
- Payment flexibility: Capital One lets you choose your monthly due date, enabling your business to control when to pay.
- Capital One Lounge: Cardholders get two free visits per year to the Capital One Lounge, which offers luxurious amenities and fresh, local food and beverage options.
Who Should Consider the Capital One Spark Miles for Business
If you want a card that offers fixed-rate travel rewards, charges $0 balance transfer fees, and provides two complimentary visits per year to a Capital One Lounge or Plaza Premium Lounge, then this card is a great fit. It offers fixed miles rewards on all business purchases and a fixed regular APR. It also lets you choose your preferred due date, which is why it is our best business card for miles.
Reward:
- 5x miles on hotels and rental cars booked through Capital One Travel
- 2x miles on all business-related purchases
Other benefits:
- Secure a one-time bonus of 50,000 bonus miles after spending $4,500 on purchases within the first three months from the date of account opening
- Receive up to $100 credit for Global Entry or TSA PreCheck®
- Get two complimentary visits per year to Capital One Lounges or Plaza Premium Lounges
Take note of the following considerations:
- It does not have a 0% introductory period on purchases and balance transfers.
- It charges an annual fee of $95 after the first year.
U.S. Bank Business Leverage® Visa Signature® Card: Best for Generous Travel Rewards & Pay Over Time
Pros
Cons
Pros
Cons
Who Should Consider the U.S. Bank Business Leverage® Visa Signature® Card
Business owners who travel frequently and want to earn 2% cash back on their top two spend categories each month would want to look into this option. It lets you divide eligible purchases into equal monthly payments through U.S. Bank’s ExtendPay plan.
Rewards:
- 5% cash back on prepaid hotels and car rentals booked in the Travel Rewards Center
- 2% cash back in the top two categories where you spend the most monthly
- 1% cash back on all other purchases
Other benefits:
- Receive $750 cash back after spending $7,500 in eligible purchases within the first 120 days from the date of account opening
- Earn cash back rewards without caps or limits
- Issue employee cards at no additional cost
Take note of the following considerations:
- It requires excellent credit standing to qualify.
- It does not have a 0% introductory period on purchases and balance transfers.
- Its rewards expire five years from the end of the quarter in which they are earned.
Delta SkyMiles® Platinum Business American Express Card: Best for Frequent Delta Flyers
Delta SkyMiles® Platinum Business American Express Card
BEST FOR:
Frequent Delta flyers who want to access premium business Delta features
- Limited Time Offer: Earn 95,000 Bonus Miles after spending $8,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 7/17.
- Enjoy a Companion Certificate each year after renewal of your Delta SkyMiles® Platinum Business American Express Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
- Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
- 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 $20 of purchases with your Delta SkyMiles® Platinum Business American Express Card.
- Delta SkyMiles® Platinum Business American Express Card Members save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- With the $120 Resy Credit, earn up to $10 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® Platinum Business American Express Card for U.S. rideshare purchases with select providers.
- Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
- 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 $200 after using your Delta SkyMiles® Platinum Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Terms and limitations apply.
Pros
- $0 foreign transaction fee
- In-flight savings
- Business management tools
Cons
- Charges an annual fee
- No interest-free financing period
- Balance transfers aren’t allowed
- Delta benefits: Receive your first checked bag for free and access priority boarding.
- Travel accident insurance: Provides card owners with travel accident insurance up to $100,000.
- Purchase protection: Provides coverage for purchases that are damaged or stolen up to 120 days from the date of purchase. Coverage is limited to $1,000 for an item and up to $50,000 for all claims for one year.
- Limited Time Offer: Earn 95,000 Bonus Miles after spending $8,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 7/17.
- Enjoy a Companion Certificate each year after renewal of your Delta SkyMiles® Platinum Business American Express Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
- Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
- 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 $20 of purchases with your Delta SkyMiles® Platinum Business American Express Card.
- Delta SkyMiles® Platinum Business American Express Card Members save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- With the $120 Resy Credit, earn up to $10 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® Platinum Business American Express Card for U.S. rideshare purchases with select providers.
- Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
- 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 $200 after using your Delta SkyMiles® Platinum Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Terms and limitations apply.
Pros
- $0 foreign transaction fee
- In-flight savings
- Business management tools
Cons
- Charges an annual fee
- No interest-free financing period
- Balance transfers aren’t allowed
- Delta benefits: Receive your first checked bag for free and access priority boarding.
- Travel accident insurance: Provides card owners with travel accident insurance up to $100,000.
- Purchase protection: Provides coverage for purchases that are damaged or stolen up to 120 days from the date of purchase. Coverage is limited to $1,000 for an item and up to $50,000 for all claims for one year.
Who Should Consider the Delta SkyMiles® Platinum Business American Express Card
Frequent Delta flyers who want to earn premium miles rewards on Delta purchases may find this card a great option. On top of the miles rewards, you’ll be added to the Complimentary Upgrade list and save 15% when booking Award Travel with miles. The card also offers statement credits and a Medallion® Qualification Dollars (MQD) Boost. It’s no surprise that it is on our list of the leading business cards for miles.
Rewards:
- 3x miles for every eligible dollar spent on purchases made directly with Delta and hotels
- 1.5x miles for every eligible dollar spent on at least $5,000 single-receipt purchase on transit and US shipping and purchases (up to $100,000 per year)
- 1x miles on all other purchases
Other benefits:
- Limited Time Offer: Earn 95,000 Bonus Miles after spending $8,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 7/17.
- Enjoy a Companion Certificate on main cabin domestic, Caribbean, or Central American roundtrip flights each year
Take note of the following considerations:
- It does not have a 0% introductory period on purchases and balance transfers.
- It charges $0 foreign transaction fees.
Capital One Venture X Business: Best for Lucrative Welcome Offer and Flexible Spend Capacity
- Earn 150,000 bonus miles after spending $30,000 within the first three months of card ownership
- 10x miles on hotels and rental cars booked through Capital One Travel
- 5x miles on flights booked through Capital One Travel
- Unlimited 2x miles on every purchase
Pros
- With sign-up bonus
- Has premium rewards if you book your hotel stays and rental cars through Capital One Travel
- Flexible redemption options
Cons
- Requires you to pay your balances in full each month
- Charges $395 annual fee
- No preset spending limit: Able to adapt to your needs based on spending behavior, payment history, and credit profile
- Annual travel credit: Receive an annual $300 credit for bookings through Capital One Travel
- Priority Pass™: Get a complimentary membership and enjoy unlimited free visits for you and up to 2 guests
- Earn 150,000 bonus miles after spending $30,000 within the first three months of card ownership
- 10x miles on hotels and rental cars booked through Capital One Travel
- 5x miles on flights booked through Capital One Travel
- Unlimited 2x miles on every purchase
Pros
- With sign-up bonus
- Has premium rewards if you book your hotel stays and rental cars through Capital One Travel
- Flexible redemption options
Cons
- Requires you to pay your balances in full each month
- Charges $395 annual fee
- No preset spending limit: Able to adapt to your needs based on spending behavior, payment history, and credit profile
- Annual travel credit: Receive an annual $300 credit for bookings through Capital One Travel
- Priority Pass™: Get a complimentary membership and enjoy unlimited free visits for you and up to 2 guests
Who Should Consider the Capital One Venture X Business
This pay-in-full card is great if you have significant travel spending as you can receive a lucrative welcome offer. It also offers a no preset spend limit, which can adapt to your business needs. These are why it’s one of our top-recommended limited liability company (LLC) credit cards.
Reward:
- 10x miles on hotels and rental cars booked through Capital One Travel
- 5x miles on flights booked through Capital One Travel
- 2x miles for every dollar spent on all purchases
Other benefits:
- bonus_miles_full
- Secure a $300 annual travel credit after booking through Capital One Travel
- Receive a $100 credit for Global Entry or TSA PreCheck®
Take note of the following considerations:
- It requires you to pay in full each month.
- It charges an annual fee of $395.
Hilton Honors American Express Business Card: Best for Stays at Hilton Hotels & Resorts Worldwide
The Hilton Honors American Express Business Card
BEST FOR:
Maximizing rewards on Hilton-related purchases
- Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.
- Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
- 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.
- Enjoy up to $240 back each year for eligible purchases made directly with Hilton.
- 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 getting you to free nights faster.
- You may receive an upgrade to Hilton Honors Diamond status through the end of the calendar year if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more.
- Enjoy complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentary Emerald Club® program is required. Terms apply.
- Terms apply.
Pros
- Charges a low annual fee
- Doesn’t have foreign transaction fees
- Has a generous welcome offer
Cons
- Has poor redemption options outside of hotel stays
- Lacks an interest-free financing option
- Complimentary Priority Pass visits: Get 10 complimentary visits to more than 1,200 airport lounges every year with Priority Pass™ Select Membership.
- Upgrade to Diamond status: Earn an upgrade to Hilton Honors Diamond Status through the end of the next calendar year after spending $40,000 on eligible purchases.
- Baggage insurance plan: Coverage is provided for cardholders for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the covered carrier. For New York state residents, a $10,000 aggregate maximum limit is provided for all covered persons per covered trip.
- Extended warranty: Terms of the original manufacturer’s warranty can be extended up to one additional year. Applies to warranties of five years or less on covered purchases.
- Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.
- Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
- 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.
- Enjoy up to $240 back each year for eligible purchases made directly with Hilton.
- 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 getting you to free nights faster.
- You may receive an upgrade to Hilton Honors Diamond status through the end of the calendar year if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more.
- Enjoy complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentary Emerald Club® program is required. Terms apply.
- Terms apply.
Pros
- Charges a low annual fee
- Doesn’t have foreign transaction fees
- Has a generous welcome offer
Cons
- Has poor redemption options outside of hotel stays
- Lacks an interest-free financing option
- Complimentary Priority Pass visits: Get 10 complimentary visits to more than 1,200 airport lounges every year with Priority Pass™ Select Membership.
- Upgrade to Diamond status: Earn an upgrade to Hilton Honors Diamond Status through the end of the next calendar year after spending $40,000 on eligible purchases.
- Baggage insurance plan: Coverage is provided for cardholders for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the covered carrier. For New York state residents, a $10,000 aggregate maximum limit is provided for all covered persons per covered trip.
- Extended warranty: Terms of the original manufacturer’s warranty can be extended up to one additional year. Applies to warranties of five years or less on covered purchases.
Who Should Consider the Hilton Honors American Express Business Card
If you stay at Hilton properties frequently, then this card is perfect as you can earn up to 12x points per dollar spent when making purchases at hotels and resorts included in the Hilton portfolio. It also has a low spending requirement to receive the lucrative welcome offer and charges $0 foreign transaction fees. This card made it to our list of the best business cards with no foreign transaction fee.
Rewards:
- 12x Hilton Honors bonus points per dollar spent for purchases made directly with hotels and resorts in 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.
Other benefits:
- Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.
- Receive 10 complimentary visits to over 1,200 airport lounges each year after enrolling in Priority Pass™ Select Membership
Take note of the following considerations:
- It offers limited rewards outside of purchases made at Hilton properties.
- It does not have a 0% introductory period on purchases and balance transfers.
Marriott Bonvoy® Business® American Express Card: Best for Stays at Marriott Properties Worldwide
Marriott Bonvoy Business® American Express® Card
BEST FOR:
Owners who choose to stay at Marriott Bonvoy hotels
- Limited Time Offer: Earn 5 Free Night Awards, valued at up to 50K points each for eligible stays. Offer ends 7/10. Resort fees & terms apply.
- Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
- 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
- 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
- 2x points on all other eligible purchases.
- Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Award can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Marriott Bonvoy Business® American Express® Card.
- Terms apply.
Pros
- Complimentary Marriott Bonvoy Gold Elite status
- $0 foreign transaction fee
- Premium rewards points
Cons
- Charges an annual fee
- No introductory 0% APR
- Balance transfers aren't allowed
- Baggage insurance: Covers the loss of any checked or carry-on baggage in direct transit from a common carrier or terminal; coverage is limited to $1,250
- Purchase protection: Covers purchased items from theft or damage for the first 120 days from purchase; coverage is limited to $10,000 per claim and $50,000 per year
- Extended warranty protection: Offers up to an additional two years of warranty coverage on United States manufacturers’ warranties of five years or less
- Gold Elite status: Enjoy complimentary Marriott Bonvoy Gold Elite status with your Card
- Limited Time Offer: Earn 5 Free Night Awards, valued at up to 50K points each for eligible stays. Offer ends 7/10. Resort fees & terms apply.
- Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
- 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
- 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
- 2x points on all other eligible purchases.
- Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Award can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Marriott Bonvoy Business® American Express® Card.
- Terms apply.
Pros
- Complimentary Marriott Bonvoy Gold Elite status
- $0 foreign transaction fee
- Premium rewards points
Cons
- Charges an annual fee
- No introductory 0% APR
- Balance transfers aren't allowed
- Baggage insurance: Covers the loss of any checked or carry-on baggage in direct transit from a common carrier or terminal; coverage is limited to $1,250
- Purchase protection: Covers purchased items from theft or damage for the first 120 days from purchase; coverage is limited to $10,000 per claim and $50,000 per year
- Extended warranty protection: Offers up to an additional two years of warranty coverage on United States manufacturers’ warranties of five years or less
- Gold Elite status: Enjoy complimentary Marriott Bonvoy Gold Elite status with your Card
Who Should Consider the Marriott Bonvoy® Business® American Express Card
Those who stay at Marriott Bonvoy properties frequently and want to earn rewards will find this card ideal. Not only does it let you enjoy room rate discounts on eligible bookings, but it also offers a complimentary Marriott Bonvoy Gold Elite Status. It even lets you enjoy $0 foreign transaction fees, which is why it is one of our top business cards with no foreign transaction fee.
Rewards:
- 6x Marriott Bonvoy® points per dollar spent on eligible purchases at participating hotels in the Marriott Bonvoy® program
- 4x Marriott Bonvoy® points per dollar spent on restaurants, US gas stations, wireless telephone services, and US shipping purchases
- 2x Marriott Bonvoy® points per dollar spent on all other purchases
Other benefits:
- Limited Time Offer: Earn 5 Free Night Awards, valued at up to 50K points each for eligible stays. Offer ends 7/10. Resort fees & terms apply.
- Receive 15 Elite Night Credits each year
- Redeem points for flights and car rentals through the Marriott Bonvoy Air+Car Transfer Program
Take note of the following considerations:
- It charges $0 foreign transaction fees.
- It does not offer a 0% introductory period on purchases.
- It does not allow balance transfers.
We chose the best business credit cards for travel that offer growing rewards the more you use the card. We also considered the travel perks offered and, when available, highlighted any discounts or benefits that help you save money.
Here are a few things that you need to consider to narrow your choices down to the best fit for you and your business:
- Cost of travel: Review where you spend your money during business travel. Look at flights, hotels, ground transportation, dining, and miscellaneous expenses.
- Preferred rewards type: The type of rewards should be based on where most of your money goes during travel. If you’re loyal to a specific airline or hotel, a co-branded card may be the best choice. Cards that reward you with miles, points, or cash back that can be redeemed for a variety of expenses are a good choice if you do not want to limit your redemption to a specific airline or hotel.
- Relevant fees and interest rates: Consider annual fees, ongoing APRs, and other fees that may not be covered by the card, such as baggage fees, foreign transaction fees, or any other hidden costs.
- Perks and benefits: High annual fees are worth it if you take advantage of perks like lounge access, free hotel nights, free checked baggage, priority boarding, and bonuses if you meet a minimum spend requirement. If you think you may not use these perks, consider another travel credit card that offers zero to low annual fees but with fewer perks.
Frequently Asked Questions (FAQs)
Yes, you can use the rewards earned from your business travel credit card to book a personal trip. Since credit card rewards typically are not taxable, you can use them for your personal travel without getting into trouble.
Aside from letting you earn rewards that can be used for travel, most travel business credit cards offer perks that can be used while traveling, such as $0 foreign transaction fees, free checked baggage, access to airport lounges, and travel insurance coverage. Make sure you know the perks that come with your travel business credit card so that you can take advantage of them.
When choosing between a cash back business credit card and a card that offers travel points or miles, consider how often you will use your rewards for travel. Most cash back business credit cards offer flexible redemption options—you can use rewards as a statement credit or redeem them for gift cards, merchandise, or travel. This is ideal if you intend to use your rewards for a variety of options.
Meanwhile, travel points or miles are best for those who plan to use their rewards solely for travel. Some travel points offer enhanced value when redeemed for travel, and most miles can be transferred directly into a hotel or airline loyalty program.
Bottom Line
The best business travel credit card should suit your travel style and frequency of use. Choose one that offers complimentary travel services that you need so that you can save money.