10 Best Business Credit Cards for Travel for 2023
Tricia has nearly two decades of experience in commercial and federal government lending. Her expertise is highlighted throughout small business loan content on Fit Small Business.
Benilyn has over a decade of experience as a banking officer. Her expertise is featured throughout Fit Small Business in personal finance, credit card, and real estate investing content.
This article is part of a larger series on Best Small Business Credit Cards.
Editor’s note: This is a recurring post with regularly updated card details.
When looking for the best business travel card, consider how often you travel, your usual destinations, and whether you prefer to earn miles, points, or cash back rewards. While there are cards with high annual fees, the best business credit cards for travel lack foreign transaction fees and offer premium travel benefits. Some even offer perks like free checked baggage, airport lounge access, and room upgrades.
The COVID-19 pandemic may affect some of the services and benefits of these travel credit cards. Check the issuer’s website and the Centers for Disease Control and Prevention (CDC) for the latest information on travel safety and requirements.
Here are the top 10 best business credit cards for travel:
- Capital One Spark Miles Select for Business: Best overall business credit card for travel
- Bank of America Business Advantage Travel Rewards World Mastercard: Best for low starting annual percentage rate (APR) and not reporting to personal credit bureaus
- Capital One Spark Miles for Business: Best for earning unlimited rewards with a low annual fee
- American Express Business Platinum Card: Best for luxury international travel
- Chase Ink Business Preferred: Best for high introductory bonus and high credit limit
- Hilton Honors American Express Business Card: Best for stays at Hilton Hotels and Resorts worldwide
- Marriott Bonvoy Business American Express Card: Best for stays at Marriott Properties worldwide
- Delta SkyMiles Platinum Business American Express Card: Best for frequent Delta Air Lines flyers
- United ClubSM Business Card: Best for frequent United Airlines travelers
- Capital One® Spark® Classic for Business: Best for fair credit with unlimited cash back
Best Business Travel Credit Cards at a Glance
Best For | Annual Fee | Rewards | Best Travel Perks | ||
|---|---|---|---|---|---|
 Capital One Spark Miles Select for Business | Best overall business credit card for travel | $0 | Up to 5x miles |
| |
 Bank of America Business Advantage Travel Rewards World Mastercard | Low starting APR and not reporting to personal credit bureaus | $0 | Up to 3x points |
| |
Capital One Spark Miles for Business | Earning unlimited rewards with low annual fee | $95 | Up to 5x miles |
| |
 American Express Business Platinum Card | Luxury international travel | $695 | Up to 5x points |
| |
 Chase Ink Business Preferred | High introductory bonus and high credit limit | $95 | Up to 3x points |
| |
 Hilton Honors American Express Business Card | Stays at Hilton Hotels and Resorts Worldwide | $95 | Up to 12x points |
| |
 Marriott Bonvoy Business American Express Card | Stays at Marriott Properties worldwide | $125 | Up to 6x points |
| |
 Delta SkyMiles Platinum Business American Express Card | Frequent Delta flyers | $250 | Up to 3x miles |
| |
 United ClubSM Business Card | Frequent United Airlines travelers | $450 | Up to 2x miles |
| |
 Capital One® Spark® Classic for Business | Fair credit with unlimited cash back | $0 | Up to 5% cash back |
|
To see how these cards stack up against others we reviewed on our site, click Add to Compare on a card below and select up to two additional cards for comparison.
Capital One® Spark® Miles Select for Business: Best Overall Business Credit Card for Travel
Capital One® Spark® Miles Select for Business
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Travel rewards and annual spending less than $19,000
Intro APR
0% on purchases
Regular APR
18.74% to 28.74% (Variable)
Annual Fee
$0
Credit Needed
Excellent, Good
- Introductory reward worth $200 in travel after you spend $3,000 within the first three months
- 1.5x miles per $1 spent
- 5x miles on hotel and rental car bookings through the issuer
- Issue employee cards for free
Pros
- No foreign transaction fees
- Interest-free financing on purchases
Cons
- No 0% APR balance transfer offer
- Limited list of airline partners
- 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 assistance: 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.
Intro APR
0% on purchases
Regular APR
18.74% to 28.74% (Variable)
Annual Fee
$0
Credit Needed
Excellent, Good
- Introductory reward worth $200 in travel after you spend $3,000 within the first three months
- 1.5x miles per $1 spent
- 5x miles on hotel and rental car bookings through the issuer
- Issue employee cards for free
Pros
- No foreign transaction fees
- Interest-free financing on purchases
Cons
- No 0% APR balance transfer offer
- Limited list of airline partners
- 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 assistance: 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.
Why we like it: The Capital One® Spark® Miles Select for Business is our overall best business travel credit card because it has no annual fee and offers 0% introductory APR on purchases for nine months. You can earn 20,000 bonus miles, equivalent to $200 in travel, when you spend at least $3,000 for the first three months of card membership.
The card is also one of our top choices for business credit cards for miles because of its generous rewards program. You can use your miles on flights, hotels, vacation packages, and merchandise. You can also redeem your miles as a form of reimbursement for travel expenses made with the card within 90 days of purchase.
Rewards and perks
- Earn 5x miles on hotels and rental cars booked through Capital One Travel
- Earn unlimited 1.5x miles on all other purchases
- No foreign transaction fees when you use this card outside the country
- Transfer your miles to any of Capital One’s participating partners
Bank of America® Business Advantage Travel Rewards World Mastercard®: Best for Low Starting APR & Not Reporting to Personal Credit Bureaus
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Earning top rewards on travel purchases booked through Bank of America Travel Center
Intro APR
See Terms
9 billing cycles
9 billing cycles
Regular APR
See Terms
Annual Fee
$0.00
Credit Needed
Excellent
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time - no matter how much you spend.
- No limit to the amount of points you can earn and points don't expire.
- You can earn up to 75% more points on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to an unlimited 2.62 points per $1 spent on all purchases.
- No annual fee and no international transaction fees.
- Choose how to redeem points - for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- No annual fee: By not having to pay an annual fee, you can reduce your overall credit card cost while earning unlimited rewards on your expenses.
- No blackout dates on travel: You can redeem your points for travel or travel credits through the Bank of America® Travel Center anytime, with no blackout dates.
- 3x points on travel: You can earn 3x points for every dollar spent when you book your travel (car, hotel, or airline) through the Bank of America® Travel Center.
- Welcome bonus points: If you can spend $3,000 in net purchases within 90 days of opening an account, you will earn 30,000 bonus points.
Cons
- Low ongoing rewards on nontravel: While you can earn high rewards points on travel, you can only earn 1.5x points on all other purchases.
- Short 0% APR introductory period: This is a disadvantage if you need a longer 0% APR period.
- No 0% APR on balance transfers: The introductory APR only applies to purchases
- Bank of America doesn’t disclose details of its additional card features. To find out more about these additional features, review your guide to benefits when you receive your card in the mail.
Intro APR
See Terms
9 billing cycles
9 billing cycles
Regular APR
See Terms
Annual Fee
$0.00
Credit Needed
Excellent
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time - no matter how much you spend.
- No limit to the amount of points you can earn and points don't expire.
- You can earn up to 75% more points on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to an unlimited 2.62 points per $1 spent on all purchases.
- No annual fee and no international transaction fees.
- Choose how to redeem points - for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- No annual fee: By not having to pay an annual fee, you can reduce your overall credit card cost while earning unlimited rewards on your expenses.
- No blackout dates on travel: You can redeem your points for travel or travel credits through the Bank of America® Travel Center anytime, with no blackout dates.
- 3x points on travel: You can earn 3x points for every dollar spent when you book your travel (car, hotel, or airline) through the Bank of America® Travel Center.
- Welcome bonus points: If you can spend $3,000 in net purchases within 90 days of opening an account, you will earn 30,000 bonus points.
Cons
- Low ongoing rewards on nontravel: While you can earn high rewards points on travel, you can only earn 1.5x points on all other purchases.
- Short 0% APR introductory period: This is a disadvantage if you need a longer 0% APR period.
- No 0% APR on balance transfers: The introductory APR only applies to purchases
- Bank of America doesn’t disclose details of its additional card features. To find out more about these additional features, review your guide to benefits when you receive your card in the mail.
Why we like it: The Bank of America® Business Advantage Travel Rewards World Mastercard® has the lowest starting APR among all the travel business credit cards on this list, making it an ideal choice if you carry a balance. It’s also an excellent option if you prefer a card that doesn’t report to personal credit bureaus. However, note that Bank of America reports your usage and payment behavior to the business credit bureaus, helping you build your business credit score when you use this card responsibly.
It features Business Advantage 360, which offers free access to your Dun & Bradstreet business credit score. What’s more, it comes with no annual fee. You’ll also earn 30,000 bonus points when you spend at least $3,000 in purchases in the first 90 days. This is equivalent to a $300 statement credit toward travel or dining.
Rewards and perks
- Earn 3x points per dollar spent when you book your travel, such as airline, car, or hotel, through the Bank of America® Travel Center
- Earn unlimited 1.5x points per dollar on all other purchases
- Get up to 75% more points if you have a Bank of America business checking account and qualify for the highest Preferred Rewards for Business tier
- No foreign transaction fee on international purchases
- Receive up to $1 million in travel accident insurance, lost luggage reimbursement, trip cancellation coverage, and trip delay reimbursement
Capital One® Spark® Miles for Business: Best for Earning Unlimited Rewards With a Low Annual Fee
Capital One® Spark® Miles for Business
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Unlimited 2x miles with every swipe
Intro APR
N/A
Regular APR
25.74% (Variable)
Annual Fee
$0 intro for first year; $95 after that
Credit Needed
Excellent, Good
- Introductory reward worth $500 in travel after you spend $4,500 within the first three months
- 2x miles per $1 spent
- $100 credit for Global Entry or TSA Pre✓
- Issue employee cards for free
Pros
- No foreign transaction fees
- TSA PreCheck® 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 PreCheck® 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 assistance: 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.
Intro APR
N/A
Regular APR
25.74% (Variable)
Annual Fee
$0 intro for first year; $95 after that
Credit Needed
Excellent, Good
- Introductory reward worth $500 in travel after you spend $4,500 within the first three months
- 2x miles per $1 spent
- $100 credit for Global Entry or TSA Pre✓
- Issue employee cards for free
Pros
- No foreign transaction fees
- TSA PreCheck® 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 PreCheck® 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 assistance: 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.
Why we like it: The best feature of the Capital One® Spark® Miles for Business card is its simple rewards program, which allows you to earn fixed-rate rewards on all purchases regardless of spending categories. Within the first three months of opening an account, spend $4,500 on purchases and earn 50,000 miles, which is equal to $500 in travel. Redeem miles for travel through Capital One Travel or get reimbursed for travel expenses charged to your card within 90 days of purchase.
This travel business credit card is also part of our roundup for the best business credit cards for miles because of its straightforward rewards and low fees. It comes with a low annual fee of $95, waived for the first year. However, unlike the Capital One® Spark® Miles Select for Business, it doesn’t offer a 0% introductory APR.
Rewards and perks
- Earn 5x miles on hotels and rental cars booked through Capital One Travel
- Earn unlimited 2x miles on all purchases, with no blackouts or seat restrictions and no minimum miles to redeem.
- No foreign transaction fees on international purchases
- Receive up to $100 statement credit for Global Entry or TSA PreCheck® when you use your Capital One® Spark® Miles for Business card
- Transfer your miles to any of Capital One’s travel partners
- Get up to 2 free visits per year in the Capital One Lounge
American Express Business Platinum Card®: Best for Luxury International Travel
The Business Platinum Card® from American Express
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Gaining access to unrivaled travel rewards and luxury travel perks like airport lounge access
Intro APR
N/A
Regular APR
19.24% - 27.24% Variable
Annual Fee
$695
Credit Needed
Good, Excellent
- Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
- Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
- Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for checked baggage fees, lounge day passes, and more at one selected airline.
- $189 CLEAR® Plus Credit: Use your Card and get up to $189 back per year on your CLEAR® Plus membership. CLEAR® lanes are available at 100+ airports, stadiums, and entertainment venues.
- The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,300 airport lounges worldwide
- No foreign transaction fees
Cons
- Balance is due in full monthly
- High annual fee
- American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
- Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,300 lounges worldwide for you and two guests.
- Airport screening: Either a $100 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
- Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
- Rental status: Elite status at a number of car rental agencies.
- Free Wi-Fi: 10 annual free Gogo inflight Wi-Fi passes.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 500,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
Intro APR
N/A
Regular APR
19.24% - 27.24% Variable
Annual Fee
$695
Credit Needed
Good, Excellent
- Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
- Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
- Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for checked baggage fees, lounge day passes, and more at one selected airline.
- $189 CLEAR® Plus Credit: Use your Card and get up to $189 back per year on your CLEAR® Plus membership. CLEAR® lanes are available at 100+ airports, stadiums, and entertainment venues.
- The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,300 airport lounges worldwide
- No foreign transaction fees
Cons
- Balance is due in full monthly
- High annual fee
- American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
- Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,300 lounges worldwide for you and two guests.
- Airport screening: Either a $100 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
- Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
- Rental status: Elite status at a number of car rental agencies.
- Free Wi-Fi: 10 annual free Gogo inflight Wi-Fi passes.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 500,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
Why we like it: If you travel internationally often and appreciate luxury, you’ll appreciate the premium travel perks with the American Express Business Platinum Card®. While it charges a high annual fee of $695, you can take advantage of free access to more than 1,400 airport lounges worldwide. Among all the travel business cards in this guide, this offers access to most airport lounges. It’s our best business card with airport lounge access.
It offers 120,000 bonus points after spending $15,000 within the first three months after opening an account. Similar to Chase Ink Business Preferred®, its high initial spend requirement means cardholders can likely get a high credit limit, making it one of our top-recommended high-limit business cards. Keep in mind that it’s a pay-in-full card, meaning your balance is due in full every month, but it offers a Pay Over Time feature to eligible account holders.
Rewards and perks
- Earn 5x points on flights and prepaid hotels on amextravel.com
- Earn 1.5x points per dollar for eligible purchases at construction suppliers, electronic retailers, and software providers, and on every purchase of $5,000 or more everywhere else, up to $2 million of these purchases per calendar year
- Earn 1x point on all other purchases
- No foreign transaction fees on international purchases
- Get a $200 airline fee credit per calendar year for baggage fees and other eligible incidental expenses with a qualifying airline you choose
- Receive an average total value of $600 in perks at Fine Hotels + Resorts® when you book for stay using your card
- Enjoy car rental upgrades and instant gold status at Marriott Bonvoy and Hilton Hotels and resorts
- Enjoy complimentary access to The Centurion Lounge―1,400 airport lounges in 140 countries around the world
- Get annual statement credits when you pay for CLEAR® Plus membership, Global Entry, or TSA PreCheck®
- Redeem points for part or all of a flight booked through Amex Travel, and get 35% of those points back, up to 500,000 points per calendar year
- Take advantage of the Business Platinum Travel Service for personalized recommendations and itineraries
Chase Ink Business Preferred®: Best for High Introductory Bonus & High Credit Limit
Ink Business Preferred® Credit Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Maximizing travel rewards at a lower annual fee
Intro APR
N/A
Regular APR
20.74% - 25.74% Variable
Annual Fee
$95
Credit Needed
- Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Pros
- Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
- Comprehensive travel and purchase protection
- No foreign transaction fees
Cons
- No interest-free financing option on both purchases and balance transfers
- With annual fee
- Need to make extremely large purchases to qualify for the sign-up bonus
- Cellphone protection: Get up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees listed on your monthly cellphone bill
- Purchase protection: Can cover your new purchases for 120 days against damage or theft of up to $10,000 per claim and $50,000 per account
- Extended warranty protection: You can extend the period of the United States manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
- Fraud monitoring: Chase will help keep your accounts safe with account alerts―and you can choose how you’d like to receive them
- Free employee cards: You can create employee cards at no additional cost, and lets you set individual spending limits―helping you earn rewards even faster
Intro APR
N/A
Regular APR
20.74% - 25.74% Variable
Annual Fee
$95
Credit Needed
Good, Excellent
- Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Pros
- Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
- Comprehensive travel and purchase protection
- No foreign transaction fees
Cons
- No interest-free financing option on both purchases and balance transfers
- With annual fee
- Need to make extremely large purchases to qualify for the sign-up bonus
- Cellphone protection: Get up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees listed on your monthly cellphone bill
- Purchase protection: Can cover your new purchases for 120 days against damage or theft of up to $10,000 per claim and $50,000 per account
- Extended warranty protection: You can extend the period of the United States manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
- Fraud monitoring: Chase will help keep your accounts safe with account alerts―and you can choose how you’d like to receive them
- Free employee cards: You can create employee cards at no additional cost, and lets you set individual spending limits―helping you earn rewards even faster
Why we like it: The Chase Ink Business Preferred® card is best for those who can make at least $15,000 in purchases during the first three months of card ownership. You can earn 100,000 bonus points, or an equivalent of $1,000 cash back or $1,250 when you purchase travel through Chase Ultimate Rewards® when you meet this spending requirement.
Plus, it comes with a low annual fee of $95. It’s our leading high-limit business credit card because of its low annual fee and travel perks. Since it offers generous rewards and low fees, it’s also one of our best business cards with no foreign transaction fees.
Rewards and perks
- Earn 3x points per dollar on your first $150,000 spent on travel as well as other expenses like internet, cable, phone, shipping, and social media and search engine advertising
- Earn 1x point per dollar on all other purchases
- When you redeem points to book business trips through Chase Ultimate Rewards®, points are worth 25% more
- Pay no foreign transaction fees when you use your card for purchases made outside of the country
- Transfer your Chase Ultimate Rewards points to participating travel programs at full 1:1 value
- Get reimbursed up to $5,000 per person and $10,000 per trip for your prepaid, nonrefundable travel expenses, like fares, tours, and hotels with trip cancellation/interruption insurance
Hilton Honors American Express Business Card: Best for Stays at Hilton Hotels & Resorts Worldwide
The Hilton Honors American Express Business Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Maximizing rewards on Hilton-related purchases
Intro APR
N/A
Regular APR
20.74% - 29.74% Variable
Annual Fee
$95
Credit Needed
Good, Excellent
- Limited Time Offer: Earn 150,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $4,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership. Offer ends 7/19/23.
- Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X at U.S. gas stations, on U.S. purchases for shipping, on wireless telephone services purchased directly from U.S. service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at U.S. restaurants, 3X on all other eligible purchases.
- Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card.
- Earn a Free Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
- Earn another Free Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
- Terms apply.
Pros
- Charges a low annual fee
- Doesn’t have foreign transaction fees
- Offers a sign-up bonus
Cons
- Has poor redemption options outside of hotel stays
- Lacks an interest-free financing option
- Complimentary Priority Pass Visits: Get 10 complimentary visits to more than 1,200 airport lounges every year with Priority Pass™ Select Membership.
- Upgrade to Diamond Status: Earn an upgrade to Hilton Honors Diamond Status through the end of the next calendar year after spending $40,000 on eligible purchases.
- Baggage insurance plan: Coverage is provided for cardholders for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the covered carrier. For New York state residents, a $10,000 aggregate maximum limit is provided for all covered persons per covered trip.
- Extended warranty: Terms of the original manufacturer’s warranty can be extended up to one additional year. Applies to warranties of five years or less on covered purchases.
Intro APR
N/A
Regular APR
20.74% - 29.74% Variable
Annual Fee
$95
Credit Needed
Good, Excellent
- Limited Time Offer: Earn 150,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $4,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership. Offer ends 7/19/23.
- Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X at U.S. gas stations, on U.S. purchases for shipping, on wireless telephone services purchased directly from U.S. service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at U.S. restaurants, 3X on all other eligible purchases.
- Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card.
- Earn a Free Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
- Earn another Free Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
- Terms apply.
Pros
- Charges a low annual fee
- Doesn’t have foreign transaction fees
- Offers a sign-up bonus
Cons
- Has poor redemption options outside of hotel stays
- Lacks an interest-free financing option
- Complimentary Priority Pass Visits: Get 10 complimentary visits to more than 1,200 airport lounges every year with Priority Pass™ Select Membership.
- Upgrade to Diamond Status: Earn an upgrade to Hilton Honors Diamond Status through the end of the next calendar year after spending $40,000 on eligible purchases.
- Baggage insurance plan: Coverage is provided for cardholders for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the covered carrier. For New York state residents, a $10,000 aggregate maximum limit is provided for all covered persons per covered trip.
- Extended warranty: Terms of the original manufacturer’s warranty can be extended up to one additional year. Applies to warranties of five years or less on covered purchases.
Why we like it: If you love staying at one of 6,500 upscale and luxury Hilton properties around the world, make the most of each visit with the Hilton Honors American Express Business Card. It comes with a low annual fee of $95 and offers lucrative rewards and travel benefits. You can earn a sign-up bonus of 150,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $4,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership. Offer ends 7/19/23.
Rewards and perks
- Earn 12x points per dollar for purchases made directly with hotels and resorts in the Hilton portfolio.
- Earn 6x points per dollar on gas, restaurants, shipping, flights, car rentals, and wireless telephone service purchases directly from United States service providers
- Earn 3x points per dollar on other purchases
- No foreign transaction fees
- Enjoy 10 complimentary Priority PassTM Select lounge access to more than 1,200 elite airport lounges around the world—enrollment required
- Get one free weekend night after spending $15,000 in a calendar year, and a free second weekend night when you spend $60,000 on eligible purchases in a calendar year
- Earn 80% points earning bonus on hotel stays and room upgrades (earn 18 points for every $1)
- Receive complimentary room upgrades and credit for food and beverages
Marriott Bonvoy BusinessTM American Express Card: Best for Stays at Marriott Properties Worldwide
Marriott Bonvoy Business® American Express® Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Owners who choose to stay at Marriott Bonvoy hotels
Intro APR
N/A
Regular APR
20.74% - 29.74% Variable
Annual Fee
$125
Credit Needed
Good, Excellent
- Welcome Offer: Earn 75,000 Bonus Marriott Bonvoy Points after you use your new Card to make $3,000 in purchases within the first 3 months of Card Membership.
- Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply.
- 6x Marriott Bonvoy Points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
- 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
- 2x points on all other eligible purchases.
- Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card.
- Terms apply.
Pros
- Complimentary Marriott Bonvoy Gold Elite status
- No foreign transaction fees
- Premium rewards points
Cons
- Charges an annual fee
- No introductory 0% APR
- Balance transfers aren't allowed
- Baggage insurance: Covers the loss of any checked or carry-on baggage in direct transit from a common carrier or terminal; coverage is limited to $1,250
- Purchase protection: Covers purchased items from theft or damage for the first 120 days from purchase; coverage is limited to $10,000 per claim and $50,000 per year
- Extended warranty protection: Offers up to an additional two years of warranty coverage on US manufacturers’ warranties of five years or less
- Gold Elite status: Enjoy complimentary Marriott Bonvoy Gold Elite status with your Card
Intro APR
N/A
Regular APR
20.74% - 29.74% Variable
Annual Fee
$125
Credit Needed
Good, Excellent
- Welcome Offer: Earn 75,000 Bonus Marriott Bonvoy Points after you use your new Card to make $3,000 in purchases within the first 3 months of Card Membership.
- Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply.
- 6x Marriott Bonvoy Points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
- 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
- 2x points on all other eligible purchases.
- Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card.
- Terms apply.
Pros
- Complimentary Marriott Bonvoy Gold Elite status
- No foreign transaction fees
- Premium rewards points
Cons
- Charges an annual fee
- No introductory 0% APR
- Balance transfers aren't allowed
- Baggage insurance: Covers the loss of any checked or carry-on baggage in direct transit from a common carrier or terminal; coverage is limited to $1,250
- Purchase protection: Covers purchased items from theft or damage for the first 120 days from purchase; coverage is limited to $10,000 per claim and $50,000 per year
- Extended warranty protection: Offers up to an additional two years of warranty coverage on US manufacturers’ warranties of five years or less
- Gold Elite status: Enjoy complimentary Marriott Bonvoy Gold Elite status with your Card
Why we like it: When you’re loyal to Marriott, the largest hotel chain in the world, which includes the Ritz-Carlton and St. Regis hotels, you’ll benefit from the Marriott Bonvoy BusinessTM American Express® Card. It offers 75,000 Bonus Marriott Bonvoy Points after you use your new Card to make $3,000 in purchases within the first 3 months of Card Membership. For a $125 annual fee, you’ll enjoy a complimentary Silver Elite status and premium travel rewards and perks.
Rewards and perks
- Earn 6x points for every dollar of eligible purchases at participating Marriott Bonvoy hotels
- Earn 4x points for every dollar of eligible purchases in select categories, such as restaurants, gas stations, wireless telephone services, and shipping
- Earn 2x points on all other purchases
- Get a 7% discount off standard rates for standard guest rooms when you book directly at participating hotels in the Marriott Bonvoy program
- Enjoy a free night award every year after your card renewal month, and another free night award after you spend $60,000 in purchases on your card in a calendar year
- Enjoy Complimentary Gold Elite Status, which offers 25% more points earned on stays and priority late checkout when available
- Receive 15 Elite Night Credits each calendar year towards the next level of Marriott Bonvoy Elite status.
- Enjoy complimentary in-room, premium internet access while staying at hotels participating in the Marriott BonvoyTM program
- Pay no foreign transaction fees on international purchases
Delta SkyMiles® Platinum Business American Express Card: Best for Frequent Delta Air Lines Flyers
Delta SkyMiles® Platinum Business American Express Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Frequent Delta flyers who want to access premium business Delta features
Intro APR
N/A
Regular APR
20.74% - 29.74% Variable
Annual Fee
$250
Credit Needed
Good, Excellent
- Welcome Offer: Earn 60,000 Bonus Miles after spending $3,000 in purchases on your new Card in your first 3 months of Card Membership.
- Save 15% On Award Travel With TakeOff 15. Eligible Card Members now enjoy exclusive savings on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
- You can receive a domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Take a friend or family member when you fly Delta. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
- Earn more miles on big purchases with 1.5 miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half mile per dollar), up to 50,000 additional miles per year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta and hotels instead of 1.5X).
- Delta Sky Club® Access – Get access to Delta Sky Club® at a rate of $50 per person per visit for you and up to two guests while flying together on Delta.
- With Status Boost®, earn 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to 2x per year getting you closer to Medallion Status.
- Terms and limitations apply.
Pros
- No foreign transaction fees
- In-flight savings
- Business management tools
Cons
- $250 annual fee
- No interest-free financing period
- Balance transfers aren’t allowed
- Delta benefits: Receive your first checked bag for free and access priority boarding.
- Travel accident insurance: Provides card owners with travel accident insurance up to $100,000.
- Purchase protection: Provides coverage for purchases that are damaged or stolen up to 120 days from the date of purchase. Coverage is limited to $1,000 for an item and up to $50,000 for all claims for one year.
Intro APR
N/A
Regular APR
20.74% - 29.74% Variable
Annual Fee
$250
Credit Needed
Good, Excellent
- Welcome Offer: Earn 60,000 Bonus Miles after spending $3,000 in purchases on your new Card in your first 3 months of Card Membership.
- Save 15% On Award Travel With TakeOff 15. Eligible Card Members now enjoy exclusive savings on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
- You can receive a domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Take a friend or family member when you fly Delta. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
- Earn more miles on big purchases with 1.5 miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half mile per dollar), up to 50,000 additional miles per year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta and hotels instead of 1.5X).
- Delta Sky Club® Access – Get access to Delta Sky Club® at a rate of $50 per person per visit for you and up to two guests while flying together on Delta.
- With Status Boost®, earn 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to 2x per year getting you closer to Medallion Status.
- Terms and limitations apply.
Pros
- No foreign transaction fees
- In-flight savings
- Business management tools
Cons
- $250 annual fee
- No interest-free financing period
- Balance transfers aren’t allowed
- Delta benefits: Receive your first checked bag for free and access priority boarding.
- Travel accident insurance: Provides card owners with travel accident insurance up to $100,000.
- Purchase protection: Provides coverage for purchases that are damaged or stolen up to 120 days from the date of purchase. Coverage is limited to $1,000 for an item and up to $50,000 for all claims for one year.
Why we like it: Frequent travelers with Delta Air Lines can benefit from the Delta SkyMiles® Platinum Business American Express Card. You’ll receive 60,000 bonus miles after spending $3,000 in purchases within the first three months of opening an account. While this card comes with a high annual fee of $250, you can take advantage of several benefits like access to priority boarding and luxury travel perks.
Rewards and perks
- Earn 3x miles on every dollar spent on eligible purchases either made directly with Delta or with hotels
- Earn 1.5x miles on single eligible purchases of $5,000 or more―equivalent to an extra half mile per dollar―up to 50,000 additional miles per calendar year
- Earn 1x mile per dollar on all other purchases
- Enjoy 15% off when booking award travels with miles
- Receive a domestic main cabin round-trip companion certificate each year upon renewal of your card
- Enjoy priority boarding for yourself and up to eight companions
- Check your first bag for free and save up to $60 on a round-trip Delta flight
- Receive a 20% savings in the form of a statement credit on all eligible in-flight purchases of food, beverages, and audio headsets
- Take advantage of an exclusive Delta Sky Club® per-visit rate of $39 per person when traveling Delta for you and up to two traveling companions
- Receive either a $100 statement credit for Global Entry or up to an $85 statement credit for TSA PreCheck®
- Pay no foreign transaction fees on international purchases
United ClubSM Business Card: Best for Frequent United Airlines Travelers
United Club℠ Business Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
United Airlines enthusiasts who use airport lounge access regularly
Intro APR
N/A
Regular APR
21.24% to 28.24% Variable
Annual Fee
$450
Credit Needed
Good - Excellent
- 75,000 bonus miles after spending $5,000 on purchases within the first three months after account opening
- United ClubSM membership
- Two Premier Access® travel services
- First and second checked bag free
- Earn double miles on tickets purchased from United
- Earn 1.5 miles per $1 spent on all other purchases
- No foreign transaction fees
Pros
- Offers free first and second checked bags
- With sign-up bonus
- With lounge membership
Cons
- Charges high annual fee
- Has no 0% introductory APR
- Rewards have limited flexibility
- United Club membership: You and other eligible travel companions will receive free access to all United Club locations and participating Star Alliance™ affiliated lounges worldwide.
- Avis President’s Club®: Primary cardholders are invited to enroll in Avis President’s Club® and enjoy complimentary two-car class upgrades, guaranteed car availability, expedited rental services, and more.
- Free two checked bags: The primary cardholder and their companion traveling with the same reservation will each receive free checked bags (up to $35 value for the first checked bag and up to $45 value for the second checked bag, each way, per person).
- Lost luggage reimbursement: You and your immediate family member are covered up to $3,000 if you check or carry luggage damaged or lost by the carrier.
- Baggage delay insurance: If there’s a baggage delay of more than six hours, you can be reimbursed for essential purchases, such as toiletries and clothing, up to $100 a day for three days.
Intro APR
N/A
Regular APR
21.24% to 28.24% Variable
Annual Fee
$450
Credit Needed
Good - Excellent
- 75,000 bonus miles after spending $5,000 on purchases within the first three months after account opening
- United ClubSM membership
- Two Premier Access® travel services
- First and second checked bag free
- Earn double miles on tickets purchased from United
- Earn 1.5 miles per $1 spent on all other purchases
- No foreign transaction fees
Pros
- Offers free first and second checked bags
- With sign-up bonus
- With lounge membership
Cons
- Charges high annual fee
- Has no 0% introductory APR
- Rewards have limited flexibility
- United Club membership: You and other eligible travel companions will receive free access to all United Club locations and participating Star Alliance™ affiliated lounges worldwide.
- Avis President’s Club®: Primary cardholders are invited to enroll in Avis President’s Club® and enjoy complimentary two-car class upgrades, guaranteed car availability, expedited rental services, and more.
- Free two checked bags: The primary cardholder and their companion traveling with the same reservation will each receive free checked bags (up to $35 value for the first checked bag and up to $45 value for the second checked bag, each way, per person).
- Lost luggage reimbursement: You and your immediate family member are covered up to $3,000 if you check or carry luggage damaged or lost by the carrier.
- Baggage delay insurance: If there’s a baggage delay of more than six hours, you can be reimbursed for essential purchases, such as toiletries and clothing, up to $100 a day for three days.
Why we like it: The United ClubSM Business Card offers travel rewards that can be redeemed for free flights with United and its partner airlines, making it an excellent choice for those who primarily fly with United Airlines. You’ll receive 75,000 bonus miles after spending $5,000 on purchases in the first three months your account is open. It comes with a $450 annual fee, which includes a United ClubSM membership that’s valued at $650 per year.
Rewards and perks
- Earn 2x miles on United purchases
- Earn 1.5x miles on all other purchases
- Earn 500 Premier qualifying points for every $12,000 you spend on purchases, up to 1,000 PQP in a calendar year
- Enjoy United ClubSM access with complimentary beverages, snacks, high-speed Wi-Fi, and more.
- Check your first and second bags for free for you and one travel companion, saving up to $320 per round trip
- Take advantage of the Premier Access® travel services, including priority check-in, security, boarding, and baggage handling
- Get 25% back on United in-flight purchases
- Pay no foreign transaction fees on international purchases
Capital One® Spark® Classic for Business: Best for Fair Credit With Unlimited Cash Back
Capital One® Spark® Classic for Business
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Those with fair credit
Intro APR
N/A
Regular APR
29.99% (Variable)
Annual Fee
$0
Credit Needed
Fair
- 1% cash back every time you swipe
- Build your business credit through responsible usage
- Issue employee cards for free
Pros
- Opportunity to build business credit
- Only requires fair credit to qualify
- Doesn’t charge annual and balance transfer fees
Cons
- Charges high ongoing APR
- Has no 0% introductory APR
- No sign-up bonus
- Automatic payments: Setting up AutoPay in the Capital One mobile app will save you from having to worry about signing in to your account every month
- $0 fraud liability: if your card is either lost or stolen, you can get an emergency replacement and cash advance.
- Purchase records: You can download all purchase records quickly and securely in multiple formats, including Quicken®, QuickBooks®, and Excel®.
- Extended warranty: Get free additional warranty and protection on eligible items purchased with your business credit card.
Free employee cards: You can create multiple employee cards, track employee spending, and customize spending limits while earning all the rewards from their purchases.
Intro APR
N/A
Regular APR
29.99% (Variable)
Annual Fee
$0
Credit Needed
Fair
- 1% cash back every time you swipe
- Build your business credit through responsible usage
- Issue employee cards for free
Pros
- Opportunity to build business credit
- Only requires fair credit to qualify
- Doesn’t charge annual and balance transfer fees
Cons
- Charges high ongoing APR
- Has no 0% introductory APR
- No sign-up bonus
- Automatic payments: Setting up AutoPay in the Capital One mobile app will save you from having to worry about signing in to your account every month
- $0 fraud liability: if your card is either lost or stolen, you can get an emergency replacement and cash advance.
- Purchase records: You can download all purchase records quickly and securely in multiple formats, including Quicken®, QuickBooks®, and Excel®.
- Extended warranty: Get free additional warranty and protection on eligible items purchased with your business credit card.
Free employee cards: You can create multiple employee cards, track employee spending, and customize spending limits while earning all the rewards from their purchases.
Why we like it: As our top credit card for fair credit, Capital One® Spark® Classic for Business is ideal for business owners with fair or limited credit wanting a straightforward business card. It allows you to earn unlimited rewards while helping you improve your credit score when you make on-time payments. However, though it doesn’t charge an annual fee, it comes with a high APR—the highest among all other cards listed here. It’s best to avoid carrying a balance and pay your bill in full each statement period to stay away from unnecessary costs.
Rewards and perks
- Earn 5% cash back on hotels and rental cars booked through Capital One Travel
- Earn 1% cash back on all purchases regardless of spending categories
- Have access to Capital One Travel, where you get the best prices on numerous trip options
- Pay no foreign transaction fees on purchases outside the US
How We Selected the Best Business Travel Credit Cards
We chose the best business credit cards for travel that offer growing rewards the more you use the card. We also considered the travel perks offered and when available, we highlighted any discounts or benefits that help you save money.
Here are a few things that you need to consider to narrow your choices down to the best fit for you and your business:
- Cost of travel: Review where you spend your money during business travel. Look at flights, hotels, ground transportation, dining, and miscellaneous expenses.
- Preferred rewards type: The type of rewards should be based on where most of your money goes during travel. If you’re loyal to a specific airline or hotel, a cobranded card may be the best choice. Cards that reward you with miles, points, or cash back that can be redeemed for a variety of expenses are a good choice if you don’t want to limit your redemption to a specific airline or hotel.
- Cost of the card: Consider annual fees, ongoing APRs, and other fees that may not be covered by the card, such as baggage fees, foreign transaction fees, or any other hidden costs.
- Perks and benefits: High annual fees are worth it if you take advantage of perks like lounge access, free hotel nights, free checked baggage, priority boarding, and bonuses if you meet a minimum spend requirement. If you think you may not use these perks, consider another travel credit card that offers zero to low annual fees but with fewer perks.
Bottom Line
The best business travel credit card should suit your travel style and frequency of use. Choose one that offers complimentary travel services that you need so that you can save money. If you’re interested in more travel cards and other types of cards designed for small business owners, see our list of the best small business credit cards.
