9 Best Business Credit Cards for Travel March 2020

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

Rating 5 5

Best For: Gaining access to unrivaled travel rewards and luxury travel perks like airport lounge access

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	N/A	$595	Good, Excellent

Earn 75,000 Membership Rewards® points after you spend $15,000 on qualifying purchases 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 you book 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

Pros

Free access to over 1,200 airport lounges worldwide
Global Entry or TSA Pre✓® membership fee reimbursements

Cons

Balance is due in full monthly
Steep $595 annual fee

American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than one dozen U.S. airports.
Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,000 lounges worldwide for you and two guests.
Airport screening: Either a $100 statement credit for Global Entry every four years or $85 statement credit for TSA Pre✓® once every 4½ years.
Travel credit: A $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 $200 in statement credits annually for Dell purchases.

We rank this small business credit card as the best option for business travel because of the benefits it offers like access to upscale airport lounges. Use this card to earn extraordinary rewards for airfare and hotel stays at 5x the points per dollar spent. However, only choose this card if you can repay your balance monthly as it’s a charge card and its balance is due in full.

American Express Business Platinum Card® 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

Welcome offer: Earn 75,000 Membership Rewards® points after you spend $15,000 on qualifying purchases within your first 3 months of Card Membership.

Compare these rewards with Chase Ink Business Preferred®.

American Express Business Platinum Card® Costs

Introductory 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 but offer perks that could be worth several thousand dollars per year. Compare these fees with the American Express® Business Gold Card.

American Express Business Platinum Card® Additional Features

American Express lounges: This airport lounge access card gives you free access to American Express’ network of Centurion lounges located in a handful of 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

Learn more: American Express business card reviews

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

Capital One® Spark® Miles for Business

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

Rating 4 4

Best For: Unlimited 2x miles with every swipe

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	18.49% (Variable)	$0 intro for first year; $95 after that	Excellent, Good

Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
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
Free employee cards which also earn unlimited 2X miles from their purchases

Pros

No foreign transaction fees
TSA Pre✓® or Global Entry application fee credit

Cons

You’ll pay an annual fee after the first year
Doesn’t offer interest-free financing

Airport security screening reimbursement: Either a $100 statement credit for Global Entry or an $85 statement credit for TSA Pre✓® once every four years.
Purchase assurance: Most purchases made entirely with your card are covered if damaged or stolen within 90 days from the date of purchase. Coverage is limited to $10,000 per claim and $50,000 per cardholder account per 12 month period.
Extended warranty coverage: Doubles the original warranty time period and duplicates the coverage of the original manufacturer’s warranty up to a maximum of 12 months on most items you purchase.
Travel medical emergency assitance: Provide referrals to medical services if you have a medical emergency while traveling. You’re covered if you’re 100 or more miles away from home and from the day you leave until midnight of the 60th day of your trip, or the day you return to your city of residence, whichever is sooner.

If you want to earn consistent travel rewards, this card is the one for you. You’ll earn fixed-rate rewards on all spending, including travel. Plus, it offers top rewards on hotel and rental car bookings made through Capital One. If you spend enough money within the first few months, you could walk away with several thousand additional bonus miles too.

Capital One® Spark® Miles for Business Rewards

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

Welcome offer: Earn a one-time bonus of 50,000 miles—equal to $500 in travel—once you spend $4,500 on purchases within the first three months from account opening.

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.

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

Compare these costs with the American Express Business Platinum Card®.

Learn more: Capital One business card reviews

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

Ink Business Preferred® Credit Card

on Ink Business Preferred® Credit Card's secure website.

Rating 4.5 4.5

Best For: Maximizing travel rewards at a lower annual fee

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	17.49% - 22.49% Variable	$95

New Offer! Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $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 - 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

Pros

Opportunity to boost the value of reward points
Offers cellphone protection and trip cancellation insurance

Cons

Does not offer an interest-free financing period
Charges an annual fee

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 U.S. and abroad.
Cellphone protection: You and the 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 and delay insurance: If your trip is canceled, you can be compensated up to $15,000 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.

If you want to avoid high annual fees seen on other travel cards but want to earn top travel rewards, Chase Ink Business Preferred^® is your go-to card. This card gets the most bang for the buck for the annual fee compared to other cards on this list. Plus, you can travel outside the US worry-free as this is a no foreign transaction fee card.

Chase Ink Business Preferred^® 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

Welcome offer: Earn 100k Ultimate Rewards points when you spend $15,000 within the first three months of account opening.

Compare these rewards with the American Express® Business Gold Card.

Chase Ink Business Preferred^® Costs

Introductory APR	None
Ongoing APR	17.49% to 22.49% variable, which adjusts with the prime rate
Annual Fee	$95
Balance Transfer Fee	$5 or 5% of the balance transferred, whichever is greater

Compare these costs to the American Express® Business Gold Card.

Chase Ink Business Preferred^® 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 $15,000 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

Learn more: Chase Ink Business Preferred® reviews

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

Southwest Rapid Rewards® Performance Business

Learn More

On Chase's Secure Website

Rating 4.5 4.5

Best For: Southwest flyers who want a Global Entry or TSA Pre✓® application fee credit

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	17.49% - 24.49% Variable	$199	Good to Excellent

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.

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.

Pros

Free Global Entry or TSA Pre✓® membership
Large sign-up bonus that can help qualify for the companion pass
Receive the best rewards for Southwest purchases compared to other Southwest cards

Cons

High annual fee that isn’t waived in the first year
Reward redemption value is poor outside of Southwest flights
Limited options for international travel

Global Entry or TSA PreCheck reimbursement: Receive application fee credits up to $100 for Global Entry or $85 for TSA PreCheck.
Upgraded bookings: Southwest will reimburse you each anniversary year for the purchase of up to four upgraded boardings,
Baggage delay insurance: Reimburses you for essential purchases like toiletries and clothing for baggage delays over six hours; up to $100 a day for three days.

If you choose to fly Southwest Airlines for business trips, this Southwest business credit card can benefit your travel commitments. The card offers enhanced rewards for Southwest Airlines purchases as well as travel benefits like inflight Wi-Fi credits and reimbursement for the cost to enroll in TSA Pre✓®.

Southwest Rapid Rewards® Performance Business Card 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
9,000 bonus points on every cardmember anniversary

Welcome offer: Earn 70,000 points after you spend $5,000 on purchases in the first three months. Plus, earn an additional 30,000 points after you spend $25,000 on purchases in the first six months.

Compare these rewards to Chase Ink Business Preferred®.

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

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. If you earn the full welcome bonus, you’ll need to earn 10,000 more points to earn the pass.

Learn more: Southwest business credit card reviews

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

Marriott Bonvoy Business™ American Express® Card

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

See Full Editorial Review Here

Rating 4.5 4.5

Best For: Owners who choose to stay at Marriott Bonvoy hotels

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	15.74% - 24.74% Variable	$125	Good, Excellent

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.

Pros

You’ll enjoy complimentary Marriott Bonvoy Silver Elite status
Earn 6x points per $1 spent at participating Marriott Bonvoy hotels

Cons

You’ll pay a $125 annual fee
Points are worth less when redeemed for less expensive hotels

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 U.S. manufacturers’ warranties of five years or less.
Complimentary Silver Elite status: Receive complimentary Marriott Bonvoy Silver Elite status and have access to exclusive benefits, such as 25% bonus points on purchases at participating hotels, priority late checkout, and access to an elite reservation line.

If your company has high hotel costs, especially with Marriott, this is the best business travel rewards credit card for you. You’ll not only save big at participating Marriott Bonvoy hotels, but you’ll also earn premium rewards at restaurants, gas stations, and on telecommunication services.

Marriott Bonvoy Business^TM American Express® Card 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

Welcome offer: 75,000 bonus points after you make $3,000 in purchases within the first three months.

Compare these travel rewards to Chase Ink Business Preferred®.

Marriott Bonvoy Business^TM American Express® Card Costs

Introductory APR	None
Ongoing APR	15.74% to 24.74% variable, which adjusts with the prime rate
Annual Fee	$125
Balance Transfer Fee	Transfers are not allowed

Compare this annual fee to Chase Ink Business Preferred®.

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

Learn more: Marriott business credit card reviews

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

Delta SkyMiles® Gold Business American Express Card

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

Rating 4 4

Best For: Delta Airlines flyers and earning rewards outside of Delta purchases

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	15.74% - 24.74% Variable	$0 introductory annual fee for the first year, then $99	Good, Excellent

Limited Time Offer: Earn up to 70,000 bonus miles. Earn 60,000 bonus miles after you spend $2,000 in purchases on your new Card in the first 3 months. Plus, earn an additional 10,000 bonus miles after your first anniversary of Card Membership.
Additionally, take $100 off your next Delta flight – after you spend $10,000 in purchases on your Card in a calendar year, you will earn a $100 Delta Flight Credit to use toward future travel.
Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta, on every dollar spent on eligible U.S. purchases for advertising in select media, on every dollar spent on eligible U.S. shipping purchases, on every eligible dollar spent on dining at restaurants. Earn 1 Mile on every eligible dollar spent on purchases.
Check or stow your bag with ease: First Checked Bag Free + Main Cabin 1 Priority Boarding.
Pay no foreign transaction fees when you travel overseas.
$0 introductory annual fee for the first year, then $99.
Terms and limitations apply

Pros

Earn a $100 Delta flight credit
Your first checked bag is free
Never pay foreign transaction fees

Cons

$99 annual fee after the first year
Doesn’t offer free Delta Sky Club access
No introductory financing offer

Free checked bag: Check one bag for free for you and up to eight companions
Savings on inflight purchases: Receive a 20% discount on inflight 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, which means 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

Choose this Delta business credit card if you label yourself as a frequent Delta Air Lines flyer. You’ll be able to check bags for free and earn 2x miles in several different categories, including Delta Air Lines purchases.

American Express Gold Delta SkyMiles® Business Credit Card Rewards

2 miles per dollar on Delta Air Lines purchases
2 miles per dollar on US purchases for advertising in select media
2 miles per dollar on eligible US shipping purchases
2 miles per dollar on dining at restaurants
1 mile per dollar on all other eligible purchases

Limited time welcome offer: Earn 60,000 bonus miles after you spend $2,000 in purchases in the first three months. Plus, earn an additional 10,000 bonus miles after your first anniversary of card membership. Additionally, take $100 off your next Delta flight—after you spend $10,000 in purchases in a calendar year, you will earn a $100 Delta Flight Credit to use toward future travel. Offer expires April 1, 2020.

The American Express Gold Delta SkyMiles® Business Credit Card offers weaker ongoing rewards when compared to the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®.

American Express Gold Delta SkyMiles® Business Credit Card Costs

Introductory APR	None
Ongoing APR	15.74% to 24.74% variable, which adjusts with the prime rate
Annual Fee	$99, 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. Compare it with the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®.

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 inflight purchases: Receive a 20% discount on inflight 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, which means 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

Learn more: American Express business card reviews

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

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

on Citi's Secure Website

Rating 4 4

Best For: Frequent American Airlines flyers who want premium airline perks

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	16.99% - 25.99% Variable	$0 for the first year, then $99	Good - Excellent

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

Pros

Excellent introductory bonus offer
Free first checked bag
Priority boarding on American Airlines flights

Cons

No airport lounge access
Blackout dates for select booking
Some rewards redemption fees may apply

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 inflight purchases: Receive a 25% discount on inflight food, beverage, and Wi-Fi purchases you make with your CitiBusiness credit card

If you find yourself booking several business-related trips through American Airlines, you should consider applying for this travel credit card. You’ll be able to check bags for free and access priority boarding on American Airlines’ flights, something nonairline branded cards can’t offer.

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® 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

Welcome offer: 65,000 miles after you spend $4,000 within the first four months after account opening.

Other business travel credit cards offer higher returns on flight purchases, including the American Express Business Platinum Card® and Chase Ink Business Preferred®.

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

Introductory APR	None
Ongoing APR	17.49 to 26.49% variable, which adjusts with the prime rate
Annual Fee	$0 for the first year, then $99
Balance Transfer Fee	Transfers are not allowed

Compare these fees with Capital One® Spark® Miles for Business.

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 inflight purchases: Receive a 25% discount on inflight food, beverage, and Wi-Fi purchases you make with your CitiBusiness credit card

Learn more: Citi business credit card reviews

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

American Express® Business Gold Card

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

Rating 4 4

Best For: Maximizing rewards in the two categories where you spend the most

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	14.24% - 22.24% Variable	$295	Good, Excellent

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

Pros

Earn 4x points in two categories every month
Pay eligible charges over time with interest, or pay your balance in full monthly

Cons

You’ll pay a high annual fee of $295
No interest-free financing opportunities

Premium roadside assistance: Free of charge up to four times a year. You can receive towing 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 gas
Return protection: American Express will refund you for eligible purchases when the store doesn’t 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 year.
Baggage insurance: If your baggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on luggage and $500 for checked bags
Extended warranty: Receive one additional year of coverage on purchases with eligible warranties of five years or less
Purchase protection: Covers new purchases against damage or theft within 90 days of purchase. Coverage is limited to $1,000 per incident.

If you want to maximize rewards on both travel and other spending categories, apply for this business travel credit card. 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. Plus, although this is a charge card and is typically due in full monthly, it gives you the option to finance purchases of $100 or more.

American Express® Business Gold Card 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

Welcome offer: 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases within the first three months.

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
Ongoing APR	14.24% to 22.24% variable, which adjusts with the prime rate
Annual Fee	$295
Balance Transfer Fee	Transfers are not allowed

Compare this annual fee to Capital One® Spark® Miles for Business.

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.

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

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

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