The 9 Best Business Credit Cards for Travel in 2024
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In the dynamic world of business travel, having the right credit card in your wallet is more than a matter of convenience; it’s a strategic tool that can significantly enhance your travel experience and financial management. Business credit cards specifically designed for travel come packed with a plethora of benefits, from lucrative rewards and travel insurance to expense management features.
These cards are tailored to meet the unique needs of business travelers, offering perks that can transform a routine business trip into a more rewarding, cost-effective, and efficient journey.
We aim to outline the best business credit cards for travel, offering a comprehensive guide to help business owners and frequent travelers make an informed decision. With an array of options available in the market, each card brings unique advantages, ranging from high reward points on travel-related purchases to complimentary airport lounge access and no foreign transaction fees.
Whether you’re a small business owner seeking to optimize travel costs or a corporate executive looking for premium travel conveniences, understanding the key features, rewards, and limitations of these cards is crucial in selecting the one that aligns best with your business travel needs and spending habits.
Best Business Credit Cards for Travel
| Business Credit Card for Travel | Welcome Offer |
| The Business Platinum Card® from American Express | Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership. |
| Capital One Venture X Business | 150,000 Miles once you spend $30,000 in the first 3 months from account opening |
| Bank of America® Travel Rewards Credit Card for Students | Earn 25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of your account opening – which can be redeemed for a $250 statement credit toward travel and dining purchases |
| Delta SkyMiles® Reserve Business American Express Card | Earn 75,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership. |
| Capital One Spark Miles for Business | Earn a one-time bonus of 50,000 miles - equal to $500 in travel once you spend $4,500 on purchases within 3 months from account opening |
| The Hilton Honors American Express Business Card | Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 6/5. |
| Ink Business Preferred® Credit Card | Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. |
| Delta SkyMiles® Gold Business American Express Card | Earn 55,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership. |
| United℠ Business Card | Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, $0 introductory annual fee for the first year, then $99. |
1. The Business Platinum Card® from American Express
Our Rating: 4.5
The Business Platinum Card® from American Express
Welcome Offer
Earn 150,000 Membership Rewards® points (Terms Apply)
Est. Value
Up to $2,400
Annual Fee
$695
APR
19.49% – 28.49% Variable
Credit Req’d
Excellent, Good
Rewards: Earn 5x points on flights and hotels booked on AmexTravel.com and 1x on other eligible purchases. Earn 1.5x points on eligible purchases at U.S. 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.
2. Capital One Venture X Business
Our Rating: 4.9
Capital One Venture X Business
Welcome Offer
150,000 Miles
Est. Value
Up to $2,625
Annual Fee
$395
APR
N/A Variable
Credit Req’d
Excellent
Rewards: Earn up to 10x points per eligible $1 spent, along with an excellent welcome offer and no foreign transaction fees. This card is best for business owners who travel frequently.
3. Bank of America® Travel Rewards Credit Card for Students
Our Rating: 4.5
Bank of America Business Advantage Travel Rewards World Mastercard®
Welcome Offer
Earn 30,000 online bonus points
Est. Value
$300
Annual Fee
$0
APR
18.49% to 28.49% Variable
Credit Req’d
Excellent 740 – 850
Rewards: Unlimited 1.5x points for every dollar spent on all purchases.
4. Delta SkyMiles® Reserve Business American Express Card
Our Rating: 4.2
Delta SkyMiles® Reserve Business American Express Card
Welcome Offer
Earn 75,000 Bonus Miles (Terms Apply)
Est. Value
Up to $937
Annual Fee
$650
APR
20.99% – 29.99% Variable
Credit Req’d
Excellent
Rewards: Earn up to 3 miles per $1 spent on Delta purchases and 1x miles on other purchases. Earn 1.5x miles after you spend $150,000 on your card in a calendar year.
5. Capital One Spark Miles for Business
Our Rating: 4.7
Capital One Spark Miles for Business
Welcome Offer
Earn a one-time bonus of 50,000 miles – equal to $500 in travel
Est. Value
$500
Annual Fee
$0 intro for first year; $95 after that
APR
26.24% Variable
Credit Req’d
Excellent, Good
Rewards: Earn unlimited 2X miles on every purchase.
6. The Hilton Honors American Express Business Card
Our Rating: 4.3
The Hilton Honors American Express Business Card
Welcome Offer
Earn 175,000 Hilton Honors Bonus Points (Terms Apply)
Est. Value
Up to $1,050
Annual Fee
$195
APR
20.99% – 29.99% Variable
Credit Req’d
Good, Excellent
Rewards: Earn 12x points at Hilton hotels and resorts, 6x points at U.S. restaurants, gas stations, wireless service providers, shipping, flights booked directly with airlines or with Amex travel, and on car rentals booked directly from select car rental companies. Earn 3x points on other eligible purchases.
7. Ink Business Preferred® Credit Card
Our Rating: 4.7
Ink Business Preferred® Credit Card
Welcome Offer
Earn 100,000 bonus points
Est. Value
$1,000 – $2,150
Annual Fee
$95
APR
21.24%-26.24% Variable
Credit Req’d
Excellent, Good
Rewards: Earn up to 3 points per $1 spent on several business categories, on the first $150,000 spent annually, then 1 point. Get a 25% bonus when points redeemed for travel through Chase.
8. Delta SkyMiles® Gold Business American Express Card
Our Rating: 4.6
Delta SkyMiles® Gold Business American Express Card
Welcome Offer
Earn 55,000 Bonus Miles (Terms Apply)
Est. Value
Up to $687
Annual Fee
$0 introductory annual fee for the first year, then $150
APR
20.99% – 29.99% Variable
Credit Req’d
Good, Excellent
Rewards: Earn 2x miles on Delta purchases and at restaurants. Also earn 2x miles on eligible U.S. shipping providers and U.S. advertising purchases in select media up to $50,000 per category, per year.
9. United℠ Business Card
Our Rating: 4.7
Welcome Offer
Earn 75,000 bonus miles
Est. Value
Up to $1,050
Annual Fee
$0 intro annual fee for the first year, then $99
APR
21.99% – 28.99% Variable
Credit Req’d
Good, Excellent
Rewards: Earn 2x miles per dollar spent on dining, gas, at supply stores, and on all United purchases.
The Big Benefits of a Business Credit Card with Travel Rewards
Small businesses often grapple with the challenge of balancing cost-effective solutions with the need for frequent travel. A business credit card with travel rewards emerges as an invaluable asset for such enterprises. These cards not only streamline expense management but also convert everyday business spending into tangible rewards. By choosing a card that offers generous points or miles for travel-related purchases, small businesses can significantly reduce their travel expenses.
This is particularly beneficial for businesses where travel is a routine part of operations, such as client meetings, industry conferences, or supplier visits. The accrued rewards can be redeemed for flights, hotel stays, or even car rentals, thereby easing the financial burden on the business and allowing resources to be allocated elsewhere.
Moreover, beyond the immediate financial incentives, these cards often come with additional perks that enhance the travel experience. Features like airport lounge access, priority boarding, free checked bags, and travel insurance add a layer of comfort and security, which is crucial for small business owners and their employees who often travel for work.
These benefits boost employee morale and project a professional image of the business. Additionally, the integration of expense tracking and reporting tools in these cards simplifies budgeting and tax preparation, making financial management more efficient. In essence, a business credit card with travel rewards is not just a tool for earning points; it’s a comprehensive solution that addresses several facets of business travel and financial management, making it an indispensable tool for small businesses.
How We Chose the Best Business Credit Cards for Travel
When selecting the best business credit card for travel, we took into account everything a business credit card offers and focused on four of the most important factors:
- Everyday Travel Rewards – If you’re going to sign up for a business credit card that offers big travel rewards, the most important detail is the big travel rewards! The cards we’ve chosen pack the largest punch when it comes to traveling in style and redeeming points and miles with value in mind.
- Opening Welcome Offer – The best way to test out the value of a business credit card is to use the welcome offer. Normally, you’ll start with tens of thousands of points or miles and you can quickly test-drive the rewards program and see if continuing to earn rewards is worth the cost of ownership.
- Additional Perks & Benefits – Beyond the rewards program of a business credit card, everyday perks are critical to the value. Upgrades on car rentals and flights, increased warranties, and everyday purchase protection are just a few of the many important perks that startups have access to with a business credit card.
- Annual Fee – Unfortunately, the best business credit cards for travel that offer the best rewards tend to include the highest annual fee. If your business spends a few thousand dollars a month, a high annual fee can eat into your card benefits. If your business spends five figures a month or more, then a $500 annual fee probably means very little.
Frequently Asked Questions (FAQ)
What are the key benefits of using a small business credit card with travel rewards?
Small business credit cards with travel rewards offer a range of benefits specifically tailored to the needs of businesses that require frequent travel. Key advantages include earning rewards points or miles on travel-related and everyday business expenses, which can be redeemed for airfare, hotel stays, and car rentals.
These cards often come with added perks such as complimentary airport lounge access, travel insurance, priority boarding, and free checked luggage, enhancing the travel experience. Additionally, they provide valuable tools for expense management and reporting, making it easier to track and categorize business expenses, which is crucial for budgeting and tax purposes.
How can a small business maximize the value of a travel rewards credit card?
To maximize the value of a travel rewards credit card, small businesses should focus on using the card for all business-related expenses, especially those that earn higher reward points, such as travel bookings and dining. It’s important to pay attention to any bonus categories where extra points can be earned.
Businesses should also take advantage of sign-up bonuses and meet the initial spending requirements to earn these bonuses. Regularly reviewing and redeeming accumulated rewards for business travel expenses can help offset travel costs. Additionally, utilizing the additional card features like travel insurance and lounge access can save money and improve travel experiences.
Are there any downsides to using a business credit card for travel rewards?
While business credit cards with travel rewards offer numerous benefits, there are potential downsides to consider. These cards often come with higher annual fees, which might not be cost-effective for businesses that don’t travel frequently enough to offset these fees with rewards. Interest rates can be high, so carrying a balance can quickly negate the benefits of rewards earned.
There’s also the risk of overspending to chase rewards, which can lead to financial strain. Lastly, rewards programs can be complex, and the value of points or miles can fluctuate, so it requires effort and understanding to maximize their value. Businesses need to assess their specific needs and spending patterns to determine if the benefits of a particular card outweigh its costs.
Final Thought on the Best Business Credit Cards for Travel
Owning a business and using a business credit card is a terrific way to save a little extra and enjoy extra benefits and perks. If your business requires a lot of travel and you have employees who are frequently on the road, the right business travel rewards credit card can save your company money, and perk up your employees and your clients.
The best business credit cards for travel are all good credit cards to own, but the details are what matters when picking the right one for your business. Carefully review the cards you see above, consider your spending habits, and choose wisely.
