10 Best Business Credit Cards for Travel 2020

on The Business Platinum® Card from American Express's secure website.

The Business Platinum® Card from American Express

Welcome Offer: Earn up to 75,000 Membership Rewards® points.
Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases made on your Business Platinum Card® within your first 3 months of Card Membership.†
Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.

Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year when flight is booked on amextravel.com.
Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
Terms Apply

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
N/A	N/A	$595	Good, Excellent

on The Business Platinum® Card from American Express's secure website.

The American Express Business Platinum Card® is the best business travel credit card because of its benefits, like access to upscale airport lounges. This card offers extraordinary rewards for airfare and hotel stays at 5x the points per dollar spent. Plus, it’s a charge card that charges no interest, but you’ll have to pay the balance off each month. The annual fee is $595, which is the highest among cards on our list.

American Express Business Platinum Card® Rewards

This small business credit card offers substantial ongoing rewards for airplane travelers and business owners who frequently stay in hotels. You’ll also earn introductory rewards of up to 75,000 points, but you’ll have to spend $20,000 in three months to earn the reward. No other card has a higher spending requirement to earn introductory rewards.

Introductory Rewards

50,000 points after you spend your first $10,000 within the first three months
25,000 extra points after you spend an additional $10,000 within the first three months

Those points are worth $750 or more when redeemed for travel. That’s slightly higher than the introductory rewards offer from Chase Ink Business Preferred^SM, which offers 80,000 Ultimate Rewards points when you spend $5,000 within the first three months of account opening.

Ongoing Rewards

5x points per dollar on flights and prepaid hotels booked through AmexTravel.com
1.5x points per dollar on purchases of $5,000 or more, up to 1 million additional points per year
1x points on all other spending

You’ll earn 5x points per dollar spent on airfare and hotels booked through American Express Travel. That’s two more points than another card on our list—Chase Ink Business Preferred^SM—offers. The American Express card is the only card to offer bonus points on purchases of $5,000 or more.

American Express Business Platinum Card® Costs

Introductory annual percentage rate (APR): None
Ongoing APR: None
Annual fee: $595
Balance transfer fee: Transfers are not allowed

The $595 annual fee you’ll pay is the highest among the cards on this list—beating the American Express® Business Gold Card by $300. However, perks like free airport lounge access and reimbursement for Global Entry or TSA Pre✓^® airport screening programs could be worth several thousand dollars per year. This card carries much more potential value than other cards on our list.

American Express Business Platinum Card® Additional Features

American Express lounges: Free access to American Express’ network of Centurion lounges located in about one dozen United States airports
Priority Pass Select membership: You’ll get free access to more than 1,000 lounges worldwide for you and two guests
Airport screening reimbursement: Receive either a $100 statement credit for Global Entry every four years or $85 statement credit for TSA Pre✓® once every four and a half years
Travel credit: Earn up to $200 in annual statement credits toward air travel expenses like baggage fees and inflight food and drink
Car rental status: Elite status at several car rental agencies
Free Wi-Fi: 10 annual free Gogo inflight Wi-Fi passes
Flight rebates: 35% points rebate if you book a business or first-class flight, up to 500,000 bonus points per calendar year
Computer credits: Up to $200 in statement credits annually for Dell purchases

The ongoing rewards alone probably aren’t enough to justify the $595 annual fee, unless your company’s annual travel budget exceeds $9,000. The exceptional suite of benefits, however, more than makes up for the annual fee if you own a business that can take advantage of perks like free airport lounge access and points rebates for booking business-class or first-class tickets.

What the American Express Business Platinum Card® Is Missing

According to American Express business card reviews, the American Express Business Platinum Card® doesn’t offer competitive rewards for spending outside of travel, which means this probably shouldn’t be your everyday card. American Express® Business Gold, for example, offers 4x points per dollar spent at US restaurants and on advertising used to promote your business. The American Express Business Platinum Card®’s annual fee is also significantly higher than other cards.

Capital One® Spark® Miles for Business: Best for Fixed-rate Miles on All Spending

on Capital One® Spark® Miles for Business's secure website.

Capital One® Spark® Miles for Business

Limited Time Offer: Earn up to 200,000 bonus miles worth up to $2,000 to spend on travel—flights, hotels and more
Earn 50,000 bonus miles when you spend $5,000 in the first 3 months and earn 150,000 bonus miles when you spend $50,000 in the first 6 months of your account opening
Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account

Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles card
Transfer your miles to 10+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
Fly through security with one statement credit for either the $85 TSA Pre✓® application fee or the $100 Global Entry application fee
$0 intro annual fee for the first year; $95 after that

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
N/A	18.49% (Variable)	$0 intro for first year; $95 after that	Excellent, Good

on Capital One® Spark® Miles for Business's secure website.

Capital One® Spark® Miles for Business is the best business credit card for miles because it pays fixed-rate rewards on all spending, including travel. You’ll receive 2x miles per dollar spent on every purchase. Plus, you can earn a one-time bonus of up to 200,000 miles—worth $2,000 in travel—once you spend $50,000 on purchases within the first six months from account opening. The ongoing variable APR is 18.49%.

Capital One® Spark® Miles for Business Rewards

Capital One® Spark® Miles for Business is the only card on our list that offers fixed-rate miles-based ongoing rewards, which makes it the best business credit card for miles. The card also offers up to 200,000 miles in introductory rewards.

Introductory Rewards

You’ll earn a one-time bonus of 50,000 miles—equal to $500 in travel—once you spend $5,000 on purchases within the first three months from account opening. You can also earn an extra 150,000 bonus miles—equal to $1,500 in travel—when you spend $50,000 within the first six months. This is the largest introductory reward on our list, and it expires on January 27, 2020.

Ongoing Rewards

5x miles on hotel and rental car bookings through Capital One Travel℠
2x miles per dollar on every purchase

No other card on our list offers fixed-rate rewards on all spending, which could make Capital One® Spark® Miles for Business more valuable to some business owners. Plus, you can redeem these rewards for points or cash back. Most other cards, including American Express Business Platinum Card®, only pay 1x points or miles on everyday spending.

Capital One® Spark® Miles for Business Costs

Introductory APR: None
Ongoing APR: 18.49% variable, which adjusts with the prime rate
Annual fee: $95, waived for the first year
Balance transfer fee: None

Capital One® Spark® Miles for Business is one of just two business credit cards on our list—along with the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®—that has an annual fee but waives it for the first year. This could be a substantial benefit for businesses looking to save money while also earning solid rewards.

Capital One® Spark® Miles for Business Additional Features

According to Capital One’s website, offers Visa Signature benefits

Airport security screening reimbursement: Either a $100 statement credit for Global Entry or $85 statement credit for TSA Pre✓® once every four years
Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes; it provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the US and abroad
Purchase protection: Covers your new purchases for up to 90 days against damage or theft up to $10,000 per claim
Lost luggage reimbursement: Checked or carry-on luggage is covered up to $3,000 if lost or stolen when you charge your ticket to the card

Many of these benefits are standard, although the length of coverage on purchase protection is less than the 120 days some other cards offer, such as Chase Ink Business Preferred^SM. You won’t receive the big travel perks like free airport lounge access that the American Express Business Platinum Card® offers. However, this is just one of three cards on our list that provides a statement credit when you pay for expedited airport security screening.

What Capital One® Spark® Miles for Business Is Missing

Capital One business card reviews show that this credit card doesn’t offer many enhanced bonus category rewards as some other cards offer. You could earn as much as 4x the points per dollar on US purchases at gas stations with the American Express® Business Gold Card or twice what you’d earn with Capital One® Spark® Miles for Business.

Chase Ink Business Preferred^SM: Best for Maximizing Rewards With Low Annual Fees

On Chase's secure website

Ink Business Preferred℠ Credit Card

Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem 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 - with no limit to the amount you can earn

Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
No foreign transaction fees
Employee cards at no additional cost
$95 Annual Fee

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
N/A	17.49% - 22.49% Variable	$95	Good to Excellent

On Chase's secure website

Chase Ink Business Preferred^SM is best for owners who want top travel rewards, but don’t want to pay the $595 annual fee the American Express Business Platinum Card® charges. You’ll earn 3x points per dollar spent on travel, shipping, advertising purchases, and telecommunications spending. This card gets the most bang for the buck for the annual fee ($95). The ongoing variable APR is as low as 17.49%, which is about average.

Chase Ink Business Preferred^SM Rewards

The Chase Ink Business Preferred^SM card offers top-notch rewards on travel spending—3x points per dollar spent while charging an annual fee of less than $100. Its 80,000-point introductory offer falls just short of what Capital One® Spark® Miles for Business offers.

Introductory Rewards

You’ll earn 80,000 Ultimate Rewards points when you spend $5,000 within the first three months of account opening. When redeemed for travel, the points are worth $1,000. That beats the 70,000 American Airlines AAdvantage® bonus miles you could earn with the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®.

Ongoing Rewards

3x points per dollar on the first $150,000 spent in combined purchases each account anniversary year in these categories: travel; shipping; advertising on search engines and social media sites; and internet, cable, and phone services
1x point per dollar on everything else

If your business spends heavily in the 3x point categories, this card may well be worth it to you. Only the American Express® Business Gold Card offers higher rewards at 4x points per dollar on travel, shipping, and advertising spending, but you’ll pay a higher annual fee of $295.

Chase Ink Business Preferred^SM Costs

Introductory APR: None
Ongoing APR: 17.49% to 22.49% variable, which will adjust with the prime rate
Annual fee: $95
Balance transfer fee: Either $5 or 5% of the balance transferred, whichever is greater

The $95 annual fee charged by this no foreign transaction fee card is similar to what Capital One® Spark® Miles for Business charges. However, that card’s annual fee is waived the first year. The Chase card’s annual fee is lower than the $595 fee the American Express Business Platinum Card® and the $295 annual fee the American Express® Business Gold card.

Chase Ink Business Preferred^SM Additional Features

Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes; it provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the US and abroad
Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account, per year
Extended warranty protection: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of three years or less
Cellphone protection: You and your employees named on the phone bill you pay for with your card are covered for up to $600 in theft or damages per claim; you are limited to three claims per 12-month period, with a $100 deductible per claim
Trip cancellation & delay insurance: If your trip is canceled, you can be compensated up to $5,000 for prepaid expenses such as airfare or hotels; if your trip is delayed for 12 hours or more, you can be reimbursed up to $500 for your hotel room, meals, and transportation

Chase Ink Business Preferred^SM reviews show that this card offers some benefits no other card on our list offers like cellphone insurance and trip cancellation insurance. Its other benefits, like purchase protection, are more widely available. Still, the American Express Business Platinum Card® offers more total benefits, including exhaustive travel perks like airport lounge access.

What Chase Ink Business Preferred^SM Is Missing

The Chase Ink Business Preferred^SM card lacks bonus rewards for spending on restaurants or gas spending, which the United^SM Explorer Business Card offers. Other cards also offer better rewards on everyday spending, like the Capital One® Spark® Miles, which pays 2x the miles per dollar on all spending.

Southwest Rapid Rewards® Performance Business Card: Best for Southwest Airlines Loyalists

On Chase's Secure Website

Southwest Rapid Rewards® Performance Business

Earn 70,000 points after you spend $5,000 on purchases in the first 3 months your account is open.
9,000 bonus points after your Cardmember anniversary.
3 points per $1 spent on Southwest Airlines® purchases.

2 points per $1 spent on social media and search engine advertising, Internet, cable and phone services and 1 point per $1 spent on all other purchases.
4 Upgraded Boardings per year when available
Inflight WiFi Credits
Global Entry or TSA Pre✓® Fee Credit
Employee cards at no additional cost, earn points on employee spending.

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
N/A	17.49% - 24.49% Variable	$199	Good to Excellent

On Chase's Secure Website

Note: The information related to the Southwest Rapid Rewards® Performance Business Card has been collected by Fit Small Business and has not been reviewed or provided by the issuer of this card.

The Southwest Rapid Rewards® Performance Business Card is best for businesses that frequently fly Southwest Airlines. The card offers enhanced rewards for Southwest Airlines purchases as well as travel benefits like in-flight Wi-Fi credits and reimbursement for the cost to enroll in TSA Pre✓®. The ongoing variable APR is as low as 17.49%, which is higher than the average card charges.

Southwest Rapid Rewards® Performance Business Card Rewards

The best rewards for the Southwest Rapid Rewards® Performance Business Card come from purchases with Southwest Airlines and its hotel and rental car partners. This card also pays bonus rewards on social media and search engine advertising as well as on telecommunications services.

Introductory Rewards

You’ll earn 70,000 points when you spend $5,000 in the first three months. That could be worth at least $700 in travel, which falls short of the introductory rewards Chase Ink Business Preferred^SM offers. That card has a potentially higher redemption rate as points are worth 1.25 cents each when redeemed for travel.

Ongoing Rewards

3 points per dollar spent on Southwest airline purchases
3 points on hotel and car rental partners
2 points on social media and search engine advertising
2 points on internet, cable, and phone services
1 point per dollar spent on all other purchases
6,000 bonus points on every cardmember anniversary

You’ll earn the same points on Southwest travel as you would with Chase Ink Business Preferred^SM, but that card pays 3x the points on all travel. The ongoing flight rewards are better on this Southwest card than what the United^SM Explorer Business Card pays― 2x the points on United flights―but worse on other bonus categories, like dining.

Southwest Rapid Rewards® Performance Business Card Costs

Introductory APR: None
Ongoing APR: 17.49% to 24.49% variable, which adjusts with the prime rate
Annual fee: $199
Balance transfer fee: $5 or 5% of the balance transferred, whichever is greater

The annual fee is higher than many cards on our list charge. However, if you can take advantage of the travel perks like four free upgraded boardings per year and one Wi-Fi credit per day, the card more than pays for itself. If you want a travel credit card that charges no annual fee, consider the Bank of America® Business Advantage Travel Rewards World Mastercard®.

Southwest Rapid Rewards® Performance Business Card Additional Features

Southwest offers one of the potentially most lucrative perks you’ll find on a travel rewards credit card: a companion pass. Unlike the companion fare offered by the CitiBusiness®/AAdvantage® Platinum Select® World Mastercard®, this pass is good all year—but it’s not cheap.

You’ll need to earn 110,000 qualifying points or take 100 qualifying one-way flights in a calendar year to earn a companion pass, which gets your guest on a flight for which you’ve bought a ticket for free, minus taxes and fees. Still, collecting the sign-up bonus gets you most of the way there. After spending $5,000 to earn the welcome bonus, you’ll need to earn 40,000 points to earn the pass.

According to Southwest business credit card reviews, this card falls short of the travel perks offered by the American Express Business Platinum Card®, which offers lounge access and annual travel credits. However, that card charges an annual fee of $595, significantly higher than this Southwest Airlines card.

What the Southwest Rapid Rewards® Performance Business Card Is Missing

If you don’t regularly use Southwest or their partners, this isn’t a good card for you. Other business travel rewards cards that offer rewards on all flight purchases—regardless of the airline—may be a more flexible option. If Southwest is your preferred carrier, but you don’t travel frequently, consider the Southwest Rapid Rewards® Premier Business, which charges a $99 annual fee and pays 2x points per dollar on Southwest purchases.

Marriott Bonvoy Business^TM American Express® Card: Best for Marriott Stays

on Marriott Bonvoy Business™ American Express® Card's secure website.

Marriott Bonvoy Business™ American Express® Card

Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in purchases within the first 3 months.
6x points at participating Marriott Bonvoy hotels.
4x points at U.S. restaurants, 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 account anniversary. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at a participating hotel. Certain hotels have resort fees.
Enjoy complimentary Marriott Bonvoy Silver Elite status with your Card. Plus, earn Gold Elite status after making $35,000 in eligible purchases on your Card in a calendar year.
Terms apply.

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
N/A	17.24% - 26.24% Variable	$125	Good, Excellent

on Marriott Bonvoy Business™ American Express® Card's secure website.

The Marriott Bonvoy Business^TM American Express® Card is the best business travel rewards credit card for companies that have high hotel costs. It pays 6x the points at participating Marriott Bonvoy hotels and 4x the points at US restaurants. You’ll pay a minimum ongoing variable APR of 17.24%, which is slightly above average.

Marriott Bonvoy Business^TM American Express® Card Rewards

The Marriott Bonvoy Business^TM American Express® Card offers a nice signup bonus that you can put toward a free hotel stay. You’ll earn ongoing rewards at hotels, gas stations, restaurants, wireless phone service, and shipping services.

Introductory Rewards

The Marriott Bonvoy Business^TM American Express® Card offers 75,000 bonus points after you make $3,000 in purchases within the first three months. Marriott Bonvoy points are worth 0.9 of a cent each, making the Marriott Bonvoy Business^TM American Express® Card introductory offer worth $675. That’s a lower return than you’ll receive with Chase Ink Business Preferred^SM, which offers 80,000 points worth $1,000 when redeemed for travel.

Ongoing Rewards

6x points at participating Marriott Bonvoy hotels
4x points at US restaurants, US gas stations, on wireless telephone services purchased directly from US service providers and on US purchases for shipping
2x points on all other purchases
One free night award every year after your card anniversary

This American Express business credit card offers terrific hotel rewards—better than any card on our list. Chase Ink Business Preferred^SM offers 3x the points per dollar on the first $150,000 spent on travel, shipping purchases, internet service, cable television service, phone service, and advertising purchases.

Marriott Bonvoy Business^TM American Express® Card Costs

Introductory APR: None
Ongoing APR: 17.24% to 26.24% variable, which adjusts with the prime rate
Annual fee: $125
Balance transfer fee: $5 or 3% of the balance transferred, whichever is greater

This isn’t the most expensive card on our list to own, but the annual fee is slightly higher than what Chase Ink Business Preferred^SM charges at $95. The APR on this card also is a bit pricey on the high end of the range, so consider another small business credit card if you think you’ll have to carry a balance regularly.

Marriott Bonvoy Business^TM American Express® Card Additional Features

Purchase protection: You’re covered for items you purchased with your card that were damaged or stolen within 120 days from purchase; purchase protection is limited to $1,000 per incident and up to $50,000 per year
Roadside assistance: Cardholders have access to a 24-hour roadside assistance hotline; the roadside assistance hotline can send out a tow truck operator or locksmith in the event of an emergency; however, you are responsible for the cost of any goods or services provided
Extended warranty protection: You will receive up to two additional years of warranty protection on items with original manufacturer’s warranties of up to five years
Baggage insurance: You’re covered for up to $1,250 if a common carrier loses your baggage during transit
Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes; it provides reimbursement up to $50,000 for theft and collision damage for most cars in the US and abroad

Most of these features are nearly identical to what other cards on our list offer. However, Marriott business credit card reviews show that the extended warranty protection Chase Ink Business Preferred^SM offers only covers warranties of up to three years.

What the Marriott Bonvoy Business^TM American Express® Card Is Missing

Most of the cards on this list offer rewards for booking airfare. This American Express card offers no flight rewards, so it should remain in your wallet when you’re purchasing tickets for travel. Like most other cards on this list, it offers no introductory APR. You’ll need to look for another card if you want free financing on purchases and balance transfers.

United^SM Explorer Business Card: Best for United Airlines Flyers

on United℠ Explorer Business Card's secure website.

United℠ Explorer Business Card

Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open. Plus, you can earn an additional 50,000 bonus miles after you spend $25,000 in total purchases within six months.
$0 intro annual fee for the first year, then $95.
Earn 2 miles per $1 at restaurants, gas stations and office supply stores

Earn 2 miles per $1 on United purchases and 1 mile per $1 on all other purchases
Free checked bag - save up to $120 per roundtrip (terms apply)
Two one-time United Club℠ passes each year - more than a $100 value
Priority boarding for you and companions on the same reservation on United-operated flights
Employee cards at no additional cost

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
N/A	17.49% - 24.49% Variable	$95	Good - Excellent

on United℠ Explorer Business Card's secure website.

Note: The information related to the United℠ Explorer Business Card has been collected by Fit Small Business and has not been reviewed or provided by the issuer of this card.

The United^SM Explorer Business Card is best for business owners who are loyal United Airlines customers. You’ll earn 2x the miles per dollar spent on all United purchases, including tickets, inflight food, and Wi-Fi charges. This card also earns bonus rewards on restaurant, gas station, and office supply spending. The ongoing rewards are similar to what other airline cards offer. The ongoing variable APR is as low as 17.49%.

United^SM Explorer Business Card Rewards

The United^SM Explorer Business Card offers introductory rewards worth at least $1,000 on travel purchases. You’ll also earn ongoing rewards on United Airlines, restaurant, gas station, and office supply purchases.

Introductory Rewards

You’ll earn 50,000 miles when you spend $3,000 in the first three months after account opening. Plus, you can earn an extra 50,000 miles after you spend $25,000 in total in purchases in the first six months your account is open. That’s a total of 100,000 bonus miles.

Ongoing Rewards

2 miles per dollar spent on purchases from United, including tickets, Economy Plus, inflight food, beverages and Wi-Fi, and other United charges
2 miles at restaurants, gas stations and, office supply stores
1 mile on all other purchases

Other business travel credit cards offer higher returns on flight purchases, including the American Express Business Platinum Card® at 5x the points per dollar and Chase Ink Business Preferred^SM at 3x the points per dollar. Few business credit cards for travel offer rewards on restaurants, gas stations, and office supplies.

United^SM Explorer Business Card Costs

Introductory APR: None
Regular APR: 17.49% to 24.49% variable, which will adjust with the prime rate
Annual fee: $95
Balance transfer fee: Either $5 or 5% of the balance transfer, whichever is higher

The $95 annual fee is nearly identical to the annual fee assessed on Capital One® Spark® Miles for Business at $95, which is waived the first year, and the United^SM Explorer Business Card at $95, also waived the first year. Ongoing APR may be up to four percentage points higher than the Bank of America® Business Advantage Travel Rewards World Mastercard® charges.

United^SM Explorer Business Card Additional Features

Free checked bag: Check one bag for free for you and one companion traveling on the same reservation will each receive their first standard checked bag free
Priority boarding: You and companions on the same reservation will be able to board before general boarding
Two United Club one-time passes: Enjoy complimentary beverages, snacks, and amenities like workspaces, free Wi-Fi, and more each anniversary year

The free checked bag benefit is similar to what other airline-affiliated cards offer like the American Express Business Gold Delta SkyMiles® Business Credit Card. The Southwest Rapid Rewards® Performance Business Card offers a companion certificate, unlike this card.

What the United^SM Explorer Business Card Is Missing

According to United^SM Explorer Business Card reviews, this credit card doesn’t offer free access to airport lounges like the American Express Business Platinum Card® does, nor does it offer a statement credit toward air travel expenses. The rewards on air travel are also lower than cards like Chase Ink Business Preferred^SM offer, which is 3x the points per $1 spent.

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®: Best for American Airlines Purchases

on Citi's Secure Website

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

2 AAdvantage® miles on telecommunications, car rental, gas station purchases
2 AAdvantage® mile on eligible American Airlines purchases
1 AAdvantage® mile on other purchases

First checked bag free
Terms Apply

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
N/A	17.49 - 26.49% Variable	$0 for the first year, then $99	Good - Excellent

on Citi's Secure Website

The CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® is best for frequent American Airlines flyers. It offers free checked bags and priority boarding on the carrier’s flights, something nonairline branded rewards cards can’t offer. Plus, you’ll earn 2x the miles per dollar spent on American Airlines purchases. The ongoing APR is as low as 17.49%, which is about average for a travel rewards card.

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® Rewards

The CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® offers its best rewards for spending on American Airlines flights, car rentals, and gas stations. You’ll also earn top rewards on telecommunications, cable, and satellite provider purchases. Furthermore, this card offers introductory rewards that could be worth at least $650 when used to book travel.

Introductory Rewards

You’ll earn 65,000 miles after you spend $4,000 within the first four months after account opening. Rewards points could be worth $650 or more when used to book travel. That’s a slightly lower return than you’ll get from the American Express Business Platinum Card®. However, that card requires you to spend $20,000 to earn 75,000 Membership Rewards points.

Ongoing Rewards

2 AAdvantage® miles per dollar spent on eligible American Airlines purchases
2 AAdvantage® miles on purchases at telecommunications merchants, cable and satellite providers, car rental merchants, and at gas stations
1 AAdvantage® mile per dollar spent on other purchases

Other business travel credit cards offer higher returns on flight purchases, including the American Express Business Platinum Card® at 5x the miles per dollar and Chase Ink Business Preferred^SM at 3x the miles per dollar. Few business credit cards offer rewards on cable and satellite service, so the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® is a good choice for telecommunications payments.

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® Costs

Introductory APR: None
Ongoing APR: 17.49% to 26.49% variable, which will adjust with the prime rate
Annual fee: $99; waived the first year
Balance transfer fee: Transfers are not allowed

The $99 annual fee is nearly identical to the annual fee assessed on Capital One® Spark® Miles for Business at $95—waived the first year—and the United^SM Explorer Business Card at $95, also waived the first year. Ongoing variable APR may be up to four percentage points higher than the Bank of America® Business Advantage Travel Rewards World Mastercard® charges.

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® Additional Features

Free checked bag: Check one bag for free for you and up to four companions traveling with you to domestic itineraries if they are listed on the same reservation
Preferred boarding: You and up to four traveling companions will be able to board once priority boarding is complete but before the rest of economy boards
American Airlines companion certificate: Earn one $99 domestic economy fare—plus $21.60 to $43.40 in government taxes and fees—after you make at least $30,000 in eligible purchases each 12-month period before your card anniversary date
Savings on in-flight purchases: Receive a 25% discount on in-flight food, beverage, and Wi-Fi purchases you make with your CitiBusiness credit card

The free checked bag benefit is similar to what other airline-affiliated cards offer like the American Express Business Gold Delta SkyMiles® card. The Southwest Rapid Rewards® Performance Business Card also offers a companion certificate, but it allows for more than just a single free flight with a paid flight.

What the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® Is Missing

Citi business credit card reviews show that this card doesn’t offer free access to airport lounges like the American Express Business Platinum Card® does, nor does it offer a statement credit toward air travel expenses. The rewards on air travel also are lower than cards like the Chase Ink Business Preferred^SM offer at 3x the points per $1 spent.

American Express Gold Delta SkyMiles® Business Credit Card: Best for Delta Air Lines Flights

on Gold Delta SkyMiles® Business Credit Card from American Express's secure website.

Gold Delta SkyMiles® Business Credit Card from American Express

Make business travel more rewarding. Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card in your first 3 months.
Additionally, earn a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
Earn 2 Miles per dollar spent on eligible purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.

Find room for your carry-on and settle into your seat sooner with Main Cabin 1 Priority Boarding.
Pay no foreign transaction fees when you spend overseas.
$0 introductory annual fee for the first year, then $95. Terms and limitations apply

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
N/A	17.24% - 26.24% Variable	$0 introductory annual fee for the first year, then $95	Good, Excellent

on Gold Delta SkyMiles® Business Credit Card from American Express's secure website.

The American Express Business Gold Delta SkyMiles® Business Credit Card is best for frequent Delta Air Lines flyers. It offers free checked bags and 30,000 bonus miles if you spend $1,000 during the first three months. Earn 2x miles per dollar spent on Delta purchases. Ongoing variable APR is as low as 17.24%, which is about average for a travel rewards credit card.

American Express Gold Delta SkyMiles® Business Credit Card Rewards

Ongoing bonus rewards are focused only on Delta purchases, which means you’ll earn one mile per dollar on all other spending. Plus, you can earn 30,000 bonus miles after you spend $1,000 in purchases during the first three months.

Introductory Rewards

You’ll earn 30,000 bonus miles after you spend $1,000 in purchases during the first three months. Plus, you’ll earn a $50 statement credit after you make a Delta purchase within your first three months. The introductory offer is significantly lower than what other airline-branded credit cards offer. The United^SM Explorer Business Card offers 100,000 miles while the Southwest Rapid Rewards® Performance Business Card offers 70,000 points.

Ongoing Rewards

2 miles per dollar on Delta Air Lines purchases
1 mile per dollar on all other eligible purchases

The American Express Gold Delta SkyMiles® Business Credit Card offers weaker ongoing rewards when compared to the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®. In addition to paying bonus miles on American Airlines flights, that card also pays 2x the miles per dollar on purchases at telecommunications merchants, cable and satellite providers, car rental merchants, and gas stations.

American Express Gold Delta SkyMiles® Business Credit Card Costs

Introductory APR: None
Regular APR: 17.24% to 26.24% variable, which will adjust with the prime rate
Annual fee: $95, waived the first year
Balance transfer fee: Either $5 or 3% of the amount transferred, whichever is greater

The annual fee on the American Express Gold Delta SkyMiles® Business Credit Card is similar to what the other airline credit cards on our list charge. The CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® charges $99, which is waived the first year. The United^SM Explorer Business Card charges $95, which is also waived the first year.

American Express Gold Delta SkyMiles® Business Credit Card Additional Features

Free checked bag: Check one bag for free for you and up to eight companions
Savings on in-flight purchases: Receive a 20% discount on in-flight purchases you make with your American Express Gold Delta SkyMiles® Business Credit Card
Baggage insurance: If your luggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on baggage and $500 for checked bags
Car rental insurance: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes; it provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the US and abroad

This coverage is standard for the annual fee. You won’t receive lounge access, travel credits, or security screening reimbursements that cards with higher annual fees like the American Express Business Platinum Card® offer.

What the American Express Gold Delta SkyMiles® Business Credit Card Is Missing

American Express business card reviews show that this card only offers bonus miles on Delta Air Lines spending. Other airline credit cards like the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® offer ongoing bonus rewards on other spending categories, including at car rental merchants and gas stations.

American Express® Business Gold Card: Best for Earning Rewards in Multiple Categories

on American Express® Business Gold Card's secure website.

American Express® Business Gold Card

Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month**
**4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*

AIRLINE BONUS: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
PAY OVER TIME OPTION: A flexible payment option to help manage cash flow on purchases of $100 or more.*
Access to the Working Capital Terms program: get additional funding beyond what you can spend on Business Gold with this flexible funding solution designed to pay U.S. based vendor invoices directly when cards are not accepted.*
*Terms Apply

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
N/A	15.74% - 23.74% Variable	$295	Good, Excellent

on American Express® Business Gold Card's secure website.

The American Express® Business Gold Card is best for businesses that want to maximize rewards on both travel and other spending categories. You’ll earn 4x the points per dollar on the two categories where you spend the most each billing cycle, including airfare and shipping services. You can finance purchases of $100 or more, and the ongoing variable APR is as low as 15.74%, which is below average for a travel credit card.

American Express® Business Gold Card Rewards

American Express offers 35,000 bonus points after you spend $5,000 within the first three months. It also offers the highest rewards on our list in several other categories, including dining and gas purchases.

Introductory Rewards

You’ll earn up to 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases within the first three months.

Ongoing Rewards

4 points per dollar on the two categories where you spend the most each billing cycle, up to $150,000 in combined eligible purchases each calendar year, including:
- airfare purchased directly from airlines
- US purchases for advertising in select media like online, TV, or radio
- US purchases made directly from select technology providers of computer hardware, software, and cloud solution
- US purchases at gas stations
- US purchases at restaurants
- US purchases for shipping
1 point per dollar on all other eligible spending

American Express offers six possible bonus categories, from which you’ll earn 4x the points per dollar each month on your top two categories. No other cards on our list offer a similar ongoing rewards structure.

American Express® Business Gold Card Costs

Introductory APR: None
Regular APR: 15.74% to 23.74% variable, which will adjust with the prime rate
Annual fee: $295
Balance transfer fee: Transfers are not allowed

The annual fee is considerably higher than the $95 charged by Capital One® Spark® Miles for Business, which is waived the first year. Like the American Express Business Platinum Card®, the American Express® Business Gold Card is a charge card, which would usually mean all charges must be paid in full each month. However, American Express allows cardholders to finance eligible purchases of $100 or more.

American Express® Business Gold Card Additional Features

Premium roadside assistance: Receive free of charge towing up to four times a year for up to 10 miles, winching, jump starts, flat tire change, lockout service when the key is in the vehicle, and delivery of up to two gallons of fuel.
Return protection: American Express will refund you for eligible purchases when the merchant does not accept returns of undamaged items. Coverage is limited to 90 days from purchase, up to $300 per item, and up to a maximum of $1,000 per account per year.
Baggage insurance: If your luggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on baggage and $500 for checked bags.
Extended warranty: Receive up to two additional years of coverage on purchases with warranties of five years or less.
Purchase protection: Your eligible purchases are covered against accidental damage or theft for 120 days up to $1,000 per occurrence.

The American Express® Business Gold Card offers fewer benefits than you might expect from a card that charges a $295 annual fee. It is missing travel benefits like TSA Pre✓^®reimbursement or free airport lounge access that the American Express Business Platinum Card® offers.

What the American Express® Business Gold Card Is Missing

American Express business card reviews show this card offers a smaller introductory bonus compared to other cards on our list. For example, Chase Ink Business Preferred^SM card offers 80,000 Ultimate Rewards points when you spend $5,000 within the first three months.

Bank of America® Business Advantage Travel Rewards World Mastercard®: Best for No Annual Fee

on Bank of America® Business Advantage Travel Rewards World Mastercard® credit card's secure website.

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

Earn 25,000 bonus points when you make at least $1,000 in net purchases within 60 days of your account opening which can be redeemed for a $250 statement credit towards travel purchases.
Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time-no matter how much you spend. Points don't expire.
Earn 3 points per every dollar spent on travel purchases (car, hotel, airline) booked through the Bank of America® Travel Center - powered by Expedia®.

No annual fee and no international transaction fees.
0% Introductory APR on purchases for your first 9 billing cycles.
Redeem points for travel with no blackout dates, cash back or gift cards.
Get 75% more points on the base earn of every purchase you make when you're a Preferred Rewards for Business Platinum Honors tier member. That means you will earn 2.62 points for every $1 you spend and 4.12 points per every $1 you spend at the Bank of America® Travel Center.

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0% 9 billing cycles	12.74% - 22.74% Variable APR on purchases	$0.00	Excellent