10 Best Business Credit Cards for Travel 2019

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

The Business Platinum® Card from American Express

Welcome Offer: Earn up to 100,000 Membership Rewards® points.
Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 50,000 points after you spend an additional $15,000 all 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 1.5 points 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.
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.
Get one year of Platinum Global Access from WeWork. With this membership, you can access 300+ premium, inspiring workspaces in 75+ cities. To get this exclusive offer, enroll between 2/15/2019 and 12/31/2019.
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

The American Express Business Platinum Card® offers strong ongoing rewards for airplane travelers and business owners who frequently stay in hotels. You’ll also earn introductory rewards of up to 100,000 points, but you’ll have to spend $25,000 in three months to earn the reward. No other card has a higher spending requirement to earn introductory rewards.

Introductory Rewards

You’ll earn the following introductory rewards:

50,000 points after you spend your first $10,000
50,000 points after you spend an additional $15,000

Those points are worth $1000 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

You will earn the following ongoing rewards when using your card:

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

You’ll earn five Membership Rewards points per dollar spent on airfare and hotels booked through American Express Travel. That’s 2 points more than another card on our list—Chase Ink Business Preferred^SM—offers. The Business Platinum is the only card to offer bonus points on purchases of $5,000 or more.

How to Redeem Rewards

You can redeem your points in one of seven ways:

Statement credit: If you have at least 1,000 points in your account, you can apply them to pay for charges on your credit card statement.
Travel: Redeem a minimum of 5,000 points to book travel on American Express Travel and receive 35% of your points back. You can also transfer points to another frequent flyer program for a fee of 0.0006 cents per point, with a maximum fee of $99.
Gift cards: Redeem your points for gift cards through www.amexgiftcard.com.
Amazon.com: After you add your card to your Amazon account and use it at least once, you can use your points on Amazon purchases.
Ticketmaster: Redeem a minimum of 2,000 points on Ticketmaster to purchase event tickets.
AXS: Redeem a minimum of 2,000 points on AXS to purchases event tickets.
Taxi fares: Redeem your points for select taxi fares and tips in New York City.

Point redemption values vary based on how you redeem points. You can, for example, redeem 50,000 points for up to $500 worth of gift cards, flights, and Uber rides and up to $350 in prepaid hotel stays.

American Express Business Platinum Card® Costs

The American Express Business Platinum Card® is a charge card, so you must pay it off every month. While you’ll pay no interest, you’ll only offset the annual fee cost if you use the card frequently to travel, and you’ll still have to pay a late penalty if you miss a payment.

Financing costs and fees on the American Express Business Platinum Card® include:

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—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

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 make 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.

The American Express Business Platinum Card® includes:

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 or $85 statement credit for TSA Pre✓® once every four 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.
Workspace access: A complimentary year of access to more than 300 WeWork locations worldwide—enroll between February 15, 2019, and December 31, 2019.
Computer credits: Up to $200 in statement credits annually for Dell purchases.

No other card on this list offers close to the full range of travel benefits that the American Express Business Platinum Card® includes. If airport screening reimbursement is the most important feature, know that this is one of three cards on our list to offer TSA Pre✓^®reimbursement, along with Capital One® Spark® Miles for Business and Southwest Rapid Rewards® Performance Business.

What the American Express Business Platinum Card® Is Missing

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 4 points per dollar spent at U.S. 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, which means it’s probably not a great business card for startups.

American Express Business Platinum Card® Reviews

American Express Business Platinum Card® reviews generally are very positive. The travel-related benefits like annual statement credits for travel expenses get high marks. However, it’s not seen as a particularly useful card for earning rewards outside of travel spending.

User Reviews

Cardholders consider the American Express Business Platinum Card® to be the best in its class, with tremendous rewards for flights and hotels. Customers also love the travel-related perks, like access to airport lounges. Some say the annual fee is excessive.

Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. This American Express business card is a well-reviewed charge card that’s widely recognized much for its travel rewards as its suite of travel-related benefits. No other business rewards credit card can beat the American Express card when it comes to perks. However, its annual fee can be a burden on some businesses, and it lacks rewards in spending categories outside of travel.

How to Apply for the American Express Business Platinum Card®

You can apply for an American Express Business Platinum Card® by filling out an online application that only takes a few minutes. You could get a decision immediately and be using your card within two to three days with expedited shipping.

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	17.74% - 22.74% Variable	$95	Good - 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 three Ultimate Rewards 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 17.74%, which is about average.

Chase Ink Business Preferred^SM Rewards

The Chase Ink Business Preferred^SM card offers top-notch rewards on travel spending—3 points per dollar spent while charging an annual fee of less than $100. Its 80,000-point introductory offer is the most lucrative of any card on our list.

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’s tops on our list and beats the 60,000 American Airlines AAdvantage® bonus miles you could earn with the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®.

Ongoing Rewards

You’ll earn the following ongoing rewards when using your card:

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

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

How to Redeem Rewards

You can redeem your rewards for travel, cash back, or gift cards. When redeeming for cash back or gift cards, your redemption value 1 cent per point. There are better cash back business cards from which to choose.

When redeeming for travel through Chase’s Ultimate Rewards website, travel is worth 1.25 cents per point. You also can increase your redemption value when you transfer rewards to the Chase Sapphire Reserve® personal credit card. Each point is worth 1.5 cents when redeemed for travel.

You may be able to boost the redemption value further by transferring your Chase Ultimate Rewards points to one of the issuer’s airline partners. When transferred, point values vary, but your redemption value could exceed 2 cents per point or more when booking flights.

Chase Ink Business Preferred^SM Costs

This no foreign transaction fee card offers no introductory APR, and its ongoing APR is higher than average for a small business credit card, but about on par with what a typical business travel rewards credit card charges. It’s essential to pay your balance in full each month if you own this card.

Financing costs and fees on the Chase Ink Business Preferred^SM include:

Introductory APR: None
Ongoing APR: 17.74% to 22.74% 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 the Chase Ink Business Preferred^SM 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

As you should expect with a card that charges an annual fee, Chase Ink Business Preferred^SM includes some premium benefits like auto rental insurance, but it also comes with perks other cards on our list don’t offer, like cellphone protection and trip cancellation insurance.

Chase Ink Business Preferred^SM includes the following benefits:

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.
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 U.S. 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 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.

Chase Ink Business Preferred^SM Reviews

Chase Ink Business Preferred^SM reviews are extremely positive. Some reviews champion this small business credit card over the American Express Business Platinum Card® because it offers enormous value at a significantly lower cost.

User Reviews

While the card charges an annual fee, cardholders love the high introductory rewards and the ongoing points that they earn on so many different purchases. Some users say they’re disappointed the card doesn’t offer more travel benefits.

Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. This Chase Ink business credit card is seen as equal to or narrowly behind the American Express Business Platinum Card®. It’s a better travel credit card for businesses that don’t want or need luxury travel benefits. Some reviewers are disappointed the card doesn’t offer more bonus categories.

How to Apply for the Chase Ink Business Preferred^SM

You can apply online to see if you qualify for the Chase Ink Business Preferred^SM card and get an answer within minutes. You may be required to verify some business information offline, depending on your situation, but once approved, you’ll typically be able to use your card when you receive it in seven to 10 days.

Capital One® Spark® Miles for Business: Best for Fixed-rate Rewards

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

Capital One® Spark® Miles for Business

Earn unlimited 2 miles per $1 on every purchase, everywhere
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
Receive up to $100 credit for one Global Entry or TSA Pre✓® application fee

Fly on any airline, anytime, with no blackout dates or seat restrictions
$0 intro annual fee for the first year; $95 after that
$0 fraud liability if your card is lost or stolen
Free employee cards which also earn unlimited 2x miles from their purchases
No foreign transaction fees

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
N/A	18.74% (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 2 miles per dollar spent on every purchase. Plus, you can earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first three months from account opening. The ongoing variable APR is 19.24%.

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 50,000 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 $4,500 on purchases within the first three months from account opening. The introductory offer isn’t quite as good as either the American Express Business Platinum Card® at 100,000 points or Chase Ink Business Preferred^SM at 80,000 points.

Ongoing Rewards

You’ll earn 2x the miles per dollar on every purchase. There are no minimums you must meet to redeem your reward miles.

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. The trade-off is that rewards on travel spending are lower than other cards on our list offer, including the American Express Business Platinum Card® at 5x the points per dollar or Chase Ink Business Preferred^SM at 3x the points per dollar.

How to Redeem Rewards

You can redeem your rewards in one of six ways:

Redeem for new travel reservations: You can book flights, car rentals, or hotels using your miles. For every $1 of travel, you’ll need to redeem 100 points. For example, if your travel costs $200, you would multiply that by 100 to determine you need 20,000 miles to cover the cost.
Redeem for past travel purchases: You can redeem your rewards for past travel purchases made on your card. Redemptions must be made within 90 days from the date your travel purchase shows on your account.
Transfer to a select travel partner: You can transfer your miles to 15 select loyalty programs, including Air Canada, JetBlue, Aeromexico, Emirates Skywards, Qantas, and Qatar Airways. Your rewards may be worth more in free travel when you transfer to one of these partners.
Statement credit or check: You can also redeem your points as cash back in the form of a statement credit or a check by mail. Redemption value is 1 cent per point.
Redeem for gift cards: You can redeem your rewards for gift cards at restaurants, retailers, or hotels.
Automatic redemption: You have two options for receiving your rewards automatically. You can receive them at a set time each calendar year or when a threshold has been reached—$25, $50, $100, $200, $500, or $1,500.

Capital One® Spark® Miles for Business Costs

Capital One offers no introductory APR and an ongoing APR that doesn’t come with a range based on your credit history. It’s a flat rate for all users—and it’s about 2 percentage points higher than the typical small business credit card.

Financing costs and fees on the Capital One® Spark® Miles include:

Introductory APR: None
Ongoing APR: 19.24% 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, Capital One® Spark® Miles for Business offers several perks through Visa Signature benefits that are common among small business credit cards, including purchase protection. It also offers lost luggage reimbursement and reimbursement for signing up for expedited airport security screening programs, which is available on fewer cards.

The Capital One® Spark® Miles for Business offers the following 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 U.S. 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® Spark® Miles for Business doesn’t offer enhanced bonus category rewards like some other cards offer. You could earn as much as 4x the points per dollar on U.S. purchases at gas stations with the American Express® Business Gold Card, or twice what you’d earn with Capital One® Spark® Miles for Business.

Capital One® Spark® Miles for Business Reviews

Capital One® Spark® Miles for Business reviews are very good. Reviewers say the card is a solid value, particularly for small business owners who don’t have the time or interest to track category spending for bonus rewards. For everyday spending, this card offers more value than most cards, which pay just 1x the points.

User Reviews

We searched the internet for user reviews for Capital One® Spark® Miles for Business. Many cardholders note the lack of an introductory APR, and some complain the rewards are focused on travel rather than more flexible cash back rewards. However, most customers report a positive experience with the card.

Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. Reviewers favor the simple structure of this Capital One business credit card’s rewards program. Capital One sets no rewards caps, which may make this card more valuable during the year than other cards with bonus categories. The card’s glaring weakness in the eyes of reviewers is its additional benefits, which don’t match up well with some premium business travel credit cards.

How to Apply for Capital One® Spark® Miles for Business

You can get the Capital One® Spark® Miles for Business card by filling out an online application with your personal and business information. You will either be approved immediately or be required to submit proof of income by mail. Once approved, you’ll receive your card in seven to 10 business days.

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

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	17.74% - 24.74% Variable	$199	Good - 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 17.74%, 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 $800 in travel, which is the same introductory rewards offered by Chase Ink Business Preferred^SM. That card has a potentially higher redemption rate, however, as Chase Ultimate Rewards points are worth 1.25 cents each when redeemed for travel.

Ongoing Rewards

You’ll earn points as you use the card for the following purchases:

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.

How to Redeem Rewards

You can redeem points for any available seat on any Southwest Airlines flight. The number of points needed for a flight depends on the fare. The number of points will vary based on the destination, time, day of travel, demand, and fare type. You’ll be responsible for paying all taxes and fees levied by the government on plane tickets. Redeeming on Southwest is straightforward, as all flights show the cost to fly both in points and U.S. currency.

Southwest Rapid Rewards® Performance Business Card Costs

At the high end of the ongoing APR range, this card can get quite expensive if you need to finance purchases. If you don’t have perfect credit and you tend to carry balances, this credit card probably isn’t the right fit for you.

Financing costs and fees on the Southwest Rapid Rewards® Performance Business Card include:

Introductory APR: None
Ongoing APR: 17.74% to 24.74% 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. But 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 30,000 points to earn the pass.

This card falls short of the travel perks offered by the American Express Business Platinum Card®, which offers lounge access and annual travel credits. But 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 2 points per dollar on Southwest purchases.

Southwest Rapid Rewards® Performance Business Card Reviews

Since the Southwest Rapid Rewards® Performance Business Card is so new, there aren’t user reviews available. However, editorial Southwest Rapid Rewards® Performance Business Card reviews agree this card offers excellent rewards for travelers who frequently fly Southwest Airlines.

User Reviews

We found no user reviews online for the Southwest Rapid Rewards® Performance Business Card.

Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. Editorial reviewers suggest this card is a solid pick for business owners who travel with Southwest Airlines. The real value of the card is held in the companion pass, which offers free travel for another person. However, this card is not right for you if you don’t travel with Southwest Airlines often.

How to Apply for the Southwest Rapid Rewards® Performance Business Card

You can apply for the Southwest Rapid Rewards® Performance Business Card online through Southwest’s secure website. Once you’re approved, you’ll get your card in about a week.

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.

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	17.49% - 26.49% 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 U.S. restaurants. You’ll pay a minimum ongoing variable APR of 17.49%, which is slightly above average.

Marriott Bonvoy Business^TM American Express® Card Rewards

The Marriott Bonvoy Business^TM American Express® Card offers a nice sign-up 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 cents 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

You’ll earn the following rewards when using your card:

6x the points at participating Marriott Bonvoy hotels
4x the points at U.S. restaurants, U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers, and on U.S. purchases for shipping
2x the 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, in fact, 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.

How to Redeem Rewards

You can redeem your rewards in one of four ways:

Free hotel night stays: Earn free nights at more than 6,700 participating Marriott Bonvoy hotels. Some hotels and resorts may have mandatory service charges.
Flights or rental cars: You can redeem your Marriott Bonvoy points for flights or car rentals by transferring your points across hundreds of travel partners. You can transfer your points to other frequent flyer programs for 3 points to 1 mile.
Hotel and air packages: Redeem your points for a week of hotel accommodations with airline miles included. Packages start at a minimum of 255,000 points required.
Gift cards: Redeem your Marriott Bonvoy points for gift cards from a selection of several different retailers.

American Express business credit cards are known to offer several reward redemption options. For example, the Chase co-branded Southwest Rapid Rewards® Performance Business Card only lets you redeem your rewards for Southwest Airlines flights.

Marriott Bonvoy Business^TM American Express® Card Costs

On the low end of the ongoing APR range, this card is exceptionally competitive with other small business credit cards. You’ll need to have a very good credit score to qualify for this card’s lowest APR.

Financing costs and fees on the Marriott Bonvoy Business^TM American Express® Card include:

Introductory APR: None
Ongoing APR: 17.49% to 26.49% 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 ($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

The Marriott Bonvoy Business^TM American Express® Card offers several additional card features, including a roadside assistance hotline, purchase and return protection, extended warranty plan, baggage insurance, and car rental coverage.

Marriott Bonvoy Business^TM American Express® Card offers the following 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 U.S. and abroad.

Most of these features are nearly identical to what other cards on our list offer. However, 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. And, 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.

Marriott Bonvoy Business^TM American Express® Card Reviews

We considered both user reviews and our own editorial review when rating this card. Marriott Bonvoy Business^TM American Express® Card reviews are very positive. This is one of the best hotel rewards cards on the market, although its annual fee and ongoing APR may make this card too expensive for some users.

User Reviews

The issuer rebranded the Marriott Bonvoy Business^TM American Express® Card in February 2019, but we’ve already seen some online feedback. Most cardholders love the ongoing rewards, reward redemption options, and card benefits. There are no negative reviews online at the moment.

Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. This card’s excellent ongoing rewards make this a must-have for business owners who frequently stay in Marriott properties. However, it lacks an introductory 0% APR period, and its ongoing APR could be higher than other similar small business credit cards.

How to Apply for the Marriott Bonvoy Business^TM American Express® Card

You can apply online for the Marriott Bonvoy Business^TM American Express® Card. You will be required to provide basic business and personal information. Usually, you will receive a decision within minutes. If you’re approved, you will get your card within seven to 10 days.

United^SM Explorer Business Card: Best for United Airlines

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	17.99% - 24.99% 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 stations, and office supply spending. The ongoing rewards are similar to what other airline cards offer. Ongoing variable APR is as low as 17.99%.

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 total in purchases in the first six months your account is open. This offer expires on October 10, 2019. That’s a total of 100,000 bonus miles, which ties our best overall pick—the American Express Business Platinum Card® (100,000 bonus points).

Ongoing Rewards

You’ll earn the following ongoing rewards when using your card:

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.

How to Redeem Rewards

You can redeem your miles by booking travel on United flights or United partner airlines. One-way Saver Award travel starts as low as 12,500 miles for flights within the U.S. and Canada. Although there are no blackout dates, there are no guarantee award seats will be available for every flight. You’ll be responsible for paying all taxes and fees levied by the government on plane tickets.

United^SM Explorer Business Card Costs

Although this card allows balance transfers, you’ll receive no introductory APR, and the balance transfer fee is quite high when compared with other credit cards. This is not a card you’d want to own if you frequently carry a balance.

Financing costs and fees on the United^SM Explorer Business Card include:

Introductory APR: None
Regular APR: 17.99% to 24.99% variable, which will adjust with the prime rate
Annual fee: $95, waived the first year
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 4 percentage points higher than what the Bank of America® Business Advantage Travel Rewards World Mastercard® charges.

United^SM Explorer Business Card Additional Features

The United^SM Explorer Business Card offers several travel and purchase protections common to small business credit cards, like extended warranty protection. It also offers coverage a fewer number of cards offer, like baggage delay insurance and priority boarding.

The United^SM Explorer Business Card includes the following benefits:

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

The United^SM Explorer Business 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.

United^SM Explorer Business Card Reviews

United^SM Explorer Business Card reviews are primarily positive. Airline-specific perks like priority access are big pros in favor of this card. However, the ongoing rewards are low compared with other travel rewards credit cards.

User Reviews

Users say they enjoy the travel rewards they can earn by spending on United Airlines flights. Some users say they would like to be able to earn a companion pass like Southwest Airlines and Alaska Airlines offer through their co-branded credit cards.

Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. Reviews say frequent United Airlines flyers should strongly consider this card. It offers United-specific benefits that no other card can match, like a free checked bag. The ongoing rewards on both United spending and other bonus categories like restaurants are low compared with some cards that offer 3x the points per dollar spent.

How to Apply for the United^SM Explorer Business Card

You can apply for the United^SM Explorer Business Card online. Fill out a basic application containing both business and personal information, and you could be approved instantly. Once you’re approved, you’ll receive your card in the mail within seven to 10 days.

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

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

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	17.74% - 25.74% 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 non-airline 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 17.74%, 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 $600 when used to book travel.

Introductory Rewards

You’ll earn 60,000 American Airlines AAdvantage® miles after you spend $3,000 within the first three months after account opening. Rewards points could be worth $600 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, Business Platinum requires you to spend $25,000 to earn 100,000 Membership Rewards points.

Ongoing Rewards

You’ll earn the following ongoing rewards when using your card:

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.

How to Redeem Rewards

You can redeem miles in one of four ways:

Flight awards: Books flights for as little as 7,500 miles each way plus applicable taxes and carrier-imposed fees; there are no blackout dates, but award seats may not always be available.
Flight awards on other airlines: Use your miles to redeem for travel through one of about two dozen foreign airline partners, which include British Airways, Cathay Pacific and Qatar Airways, among others.
Upgrades: Use your miles to upgrade to first class or business class on American and partner flights; upgrades cost as few as 5,000 miles
Hotels, rental cars & vacation packages: Pay for your reservation through American Airlines with as few as 1,000 miles.

Similar to other business credit cards associated with airlines, the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® gives you the option to transfer points to select airline partners. Your rewards may be worth more if you transfer them to one of these partners.

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

Like most of the best business credit cards for travel rewards, you’ll receive no introductory 0% APR on either purchases or balance transfers. The issuer doesn’t allow balance transfers with this card.

Financing costs and fees on the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® include:

Introductory APR: None
Ongoing APR: 17.74% to 25.74% 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 4 percentage points higher than what the Bank of America® Business Advantage Travel Rewards World Mastercard® charges.

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

Citi and American Airlines offer several free or reduced-fee travel perks and complimentary insurance as part of this card’s benefits packages. The benefits include free checked bags and car rental insurance.

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® benefits include:

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.
Worldwide car rental insurance: When you rent a car using your CitiBusiness® card, you’re covered in case of accident or theft on all rentals made worldwide; coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance the rental agency offers. Coverage is capped at $50,000.
Purchase protection: Citi may repair or reimburse for items purchased with your CitiBusiness® card that are damaged or stolen within 90 days of purchase; coverage is limited to $10,000 per item, up to $50,000 per year per account.
Extended warranty protection: Citi will double the manufacturer’s warranty up to an additional 12 months from the expiration of warranties of 60 months or less.

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. The perks unassociated with flying, like purchase protection, are similar to what other small business credit cards offer.

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

The Citi AAdvantage® 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.

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

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® reviews are generally positive. For travel rewards enthusiasts, the card’s 2x the miles per $1 spent on American Airlines’ flights is seen as a slight negative.

User Reviews

We searched the internet for user reviews on the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®. Users love the large introductory reward and the first-year-free annual fee. Plus, they find bonus rewards on non-travel spending useful. However, they complain the flight rewards are too small compared to other cards that offer 3x to 5x the points per dollar.

Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. This card is seen as a necessity for frequent American Airlines flyers because of its unique benefits for users of that airline. It offers free checked bags and priority boarding, something most other credit cards don’t offer. This CitiBusiness card is missing other top travel perks, however, like access to airport lounges and annual credits toward air travel.

How to Apply for the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

You can apply online for the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® online. Fill out a basic application containing both business and personal information, and you could be approved instantly. Once you’re approved, you’ll receive your card in the mail within seven to 10 days.

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

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	17.49% - 26.49% 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 2 miles per dollar spent on Delta purchases. Ongoing variable APR is as low as 17.49%, 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 1 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 with your new Card 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

You’ll earn the following ongoing rewards when using your card:

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.

How to Redeem Rewards

You can redeem your miles for Delta-operated flights, seat upgrades, car rentals, merchandise, and gift cards through the Delta rewards portal. Your miles redemption must be in increments of 5,000 miles with a minimum of 5,000 miles per redemption. The redemption value of your Delta miles can range between 0.4 cents to 3.2 cents per miles, depending on what you’re purchasing.

American Express Gold Delta SkyMiles® Business Credit Card Costs

This card’s ongoing APR is similar to what other airline cards on our list charge. None of these cards offer introductory APRs, which means an airline card is not a good choice if you are looking for free financing on purchases or balance transfers.

Financing costs and fees on the American Express Gold Delta SkyMiles® Business Credit Card include:

Introductory APR: None
Regular APR: 17.49% to 26.49% 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

Delta offers several free or reduced-fee travel perks and complimentary insurance as part of this card’s benefits packages, including free checked bags and car rental insurance. The travel perks are exclusive to co-branded airline credit cards, while other benefits, including car rental insurance, are more common to small business credit cards.

American Express Gold Delta SkyMiles® Business Credit Card benefits include:

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 U.S. 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

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 Gold Delta SkyMiles® Business Credit Card Reviews

American Express Gold Delta SkyMiles® Business Credit Card reviews are mixed. The card offers nice travel perks like a free checked bag. However, it offers limited usefulness outside of airline spending. You’ll receive 1x the points per dollar spent on non-Delta purchases.

User Reviews

We searched the internet for American Express Gold Delta SkyMiles® Business Credit Card reviews. Users satisfied with the card say they’ve been able to earn additional trips as a result. Others say they’re unhappy with the rewards program, which they say should offer bonus rewards outside of Delta Air Lines flights.

Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. Editorial reviews suggest this card isn’t as good as other co-branded airline credit cards when it comes to introductory or ongoing rewards. Its introductory rewards are the second-lowest among cards on our list while ongoing rewards primarily benefit Delta spending. Still, perks like a free checked back make this card worth considering for Delta loyalists.

How to Apply for the American Express Gold Delta SkyMiles® Business Credit Card

You can sign up for an American Express Gold Delta SkyMiles® Business Credit Card by filling out an online application that only takes a few minutes. You could get a decision in as quick as 30 seconds and receive your card within 10 business days.

American Express® Business Gold Card: Best for Maximizing Rewards on Multiple Categories

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

American Express® Business Gold Card

Earn up to $500 back in the form of statement credits by purchasing qualifying services with FedEx using your American Express® Business Gold Card within the first 3 months of Card membership.
Limited time Offer ends 11/06/2019.*
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	15.99% - 23.99% 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 15.99%, which is below average for a travel credit card.

American Express® Business Gold Card Rewards

American Express doesn’t offer a standard introductory reward. Instead, the signup bonus caters to business owners who use FedEx services often. It offers the highest rewards on our list in several other categories, including dining and gas purchases.

Introductory Rewards

You’ll earn up to $500 back in the form of statement credits by purchasing qualifying services with FedEx using your American Express® Business Gold Card within the first three months of card membership. This limited-time offer ends November 6, 2019. If you want a traditional introductory reward, consider the American Express Business Platinum Card®.

Ongoing Rewards

You’ll earn the following ongoing rewards when using your card:

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; U.S. purchases for advertising in select media like online, TV, or radio; U.S. purchases made directly from select technology providers of computer hardware, software, and cloud solution; U.S. purchases at gas stations; U.S. purchases at restaurants; and U.S. 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.

How to Redeem Rewards

You can redeem your points in one of seven ways:

For your charges: Use your points for your eligible charge on your current statement. You must have at least 1,000 available points in your account.
Travel: Use points to book travel on American Express Travel, for which you will get 25% of your points back. Minimum redemption is 5,000 points. You can also transfer points to one of the issuer’s travel partners.
Gift cards: Purchase American Express gift cards through www.amexgiftcard.com.
Amazon.com: To use points at Amazon, you must first load your card into your Amazon account and use your card at least once.
Ticketmaster: You can redeem your points on Ticketmaster to purchase event tickets. The minimum redemption is 2,000 points.
AXS: You can redeem your points on AXS to purchase event tickets. The minimum redemption is 2,000 points.
Taxi fares: Redeem your points for fares (including tips) on certain taxis in New York City.

These reward redemption options are identical when compared to our top pick, the American Express Business Platinum Card®.

American Express® Business Gold Card Costs

This American Express card is a charge card, but it does offer a financing option called Pay Over Time for purchases of at least $100. If you choose to finance purchases of $100 or more, it charges an ongoing variable APR as low as 15.99%.

Financing costs and fees on the American Express® Business Gold Card include:

Introductory APR: None
Regular APR: 15.99% to 23.99% 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

The American Express® Business Gold Card comes with several protections in case you lose or damage items you’ve purchased. These protections include return protection, extended warranty protection, and baggage insurance.

The American Express® Business Gold Card benefits include:

Premium roadside assistance: Receive free of charge up to four times a year 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 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

Even though the American Express® Business Gold Card offers an introductory bonus, you’ll only earn a statement credit if you typically use FedEx services. If you’re not a FedEx customer, choose a different card. For example, Chase Ink Business Preferred^SM offers 80,000 points when you spend $5,000 within three months.

American Express® Business Gold Card Reviews

This card was revamped in June 2019, and we found no online user reviews. However, the American Express® Business Gold Card is similar enough to the old card that the reviews for that card remain relevant. Reviews for that card were generally favorable.

User Reviews

American Express® Business Gold Card users generally love this card because it has no preset spending limit and earns hefty rewards on bonus category spending. Some users caution that the pricey annual fee limits its appeal for businesses that don’t have huge expenses.

Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. Editorial reviewers agree this is a solid option if you want to maximize your rewards because of its ongoing rewards structure. However, its introductory bonus only caters to business owners who use FedEx services.

How to Apply for the American Express® Business Gold Card

You can sign up for an American Express® Business Gold Card by filling out an online application that only takes a few minutes. You could get a decision in as quick as 30 seconds receive your card within 10 business days.

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	12.99% - 22.99% Variable APR on purchases	$0.00	Excellent

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

The Bank of America® Business Advantage Travel Rewards World Mastercard® is best for businesses that want travel rewards, but don’t want to pay an annual fee. It earns 3x the points per dollar spent on travel purchases. Plus the ongoing APR is as low as 12.99%, which is the lowest on our list.

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

The Bank of America® Business Advantage Travel Rewards World Mastercard® offers top rewards on travel, but also offers 1.5x the points per $1 on everyday spending. Introductory rewards are worth $250.

Introductory Rewards

You’ll earn 25,000 miles when you spend $1,000 in the first three months of account opening.

The intro rewards are the lowest of any card on our list. Compare with Chase Ink Business Preferred^SM, which offers 80,000 points worth $1,000 when redeemed for travel.

Ongoing Rewards

You’ll earn points as you use the card for the following purchases:

3 points per dollar spent on travel purchases―car, hotel, or airline―booked through Bank of America® Travel Center
Unlimited 1.5 points for every dollar spent on all purchases, regardless of how much you spend

The Bank of America® Business Advantage Travel Rewards World Mastercard® is the only card on our list that offers both bonus rewards and rewards for everyday spending greater than 1 point. The Chase Ink Business Preferred^SM at 3x the points and the American Express Business Platinum Card® at 5x the points offer better travel rewards.

When you enroll in the Preferred Rewards for Business program, you can get an additional 75% rewards bonus on every purchase you make. You’ll earn up to 2.62 points on all purchases, which is a higher rate than any other card on this list offers for everyday spending. You’ll also earn 4.12 points per dollar at the Bank of America® Travel Center. To earn that rate, you have to have at least $100,000 deposits or investments with the bank.

How to Redeem Rewards

You can redeem your points for travel, travel credits, and cash. Redeeming your points for cash means you’ll accept the rewards as a deposit into your Bank of America checking or savings account, as a card statement credit, or via check. You must redeem points for travel credit (meaning something you already paid for with your card) within 12 months of purchase.

Bank of America® Business Advantage Travel Rewards World Mastercard® Costs

This card offers both a no-interest financing period on purchases and a very low ongoing variable APR. If you want a travel business credit card and you must carry a balance occasionally, choose this 0% APR business credit card.

Financing costs and fees on the Bank of America® Business Advantage Travel Rewards World Mastercard® include:

Introductory APR: 0% on purchases for 9 billing cycles
Ongoing APR: 12.99% to 22.99% variable, which adjusts with the prime rate
Annual fee: None
Balance transfer fee: Either $10 or 4% of the amount of each transaction, whichever is greater

This is the only card on our list to offer an introductory 0% APR period. If you’d like to float a purchase over several months without paying interest, this is the best business travel credit card for you. This Bank of America card also offers the lowest possible APR among the cards on our list and is the only credit card with no annual fee.

Bank of America® Business Advantage Travel Rewards World Mastercard® Additional Features

The Bank of America® Business Advantage Travel Rewards World Mastercard® doesn’t come with nearly as many perks as the other best business rewards credit cards. It fails to offer things like airport lounge access, rental car insurance, or a free checked bag.

This card’s benefits include travel accident insurance. Receive up to $100,000 in travel accident insurance, which covers you in case of loss of life or dismemberment. This card offers none of the travel benefits, like free airport lounge access, that the American Express Business Platinum Card® offers. It also offers none of the protections like extended warranties, that Chase Ink Business Preferred^SM offers.

What the Bank of America® Business Advantage Travel Rewards World Mastercard® Is Missing

Other cards offer higher returns on travel spending, including the American Express Business Platinum Card®, which pays 5x the points per dollar, and the American Express® Business Gold Card, which pays 4x the points per dollar. The introductory rewards are lower than the 50,000 miles offered by Capital One® Spark® Miles for Business.

Bank of America® Business Advantage Travel Rewards World Mastercard® Reviews

Bank of America® Business Advantage Travel Rewards World Mastercard® reviews are generally very positive. This card has good value and no annual fee. However, that also means it includes few of the benefits like airport lounge access seen on cards that charge an annual fee.

User Reviews

Cardholders enjoy the rewards they can earn with the card but note that rewards aren’t as high as those provided some other cards, like the American Express Business Platinum Card®, which pays 5x the points on airfare.

Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. Editorial reviews find the Bank of America® Business Advantage Travel Rewards World Mastercard® is a fine card for business owners looking for their first travel rewards card. It’s also ideal for owners leery of paying annual fees. But this card can’t compete with others on our list when it comes to card benefits.

How to Apply for the Bank of America® Business Advantage Travel Rewards World Mastercard®

You can apply for the Bank of America® Business Advantage Travel Rewards World Mastercard® by filling out a basic online application and potentially getting instant approval. The whole process can be completed within a matter of a few minutes, and you’ll receive your card within seven to 10 days.