The Ultimate Guide to Credit Cards
Monday, November 28, 2022

12 Best Business Credit Cards for Travel Rewards

Best Business Credit Cards For Travel

credit card advice

Eric Bank

Written by: Eric Bank

Eric Bank

Eric Bank has been covering business and financial topics since 1985, specializing in taking complex subject matters and explaining them in simple terms for consumer audiences. In addition to his work on CardRates.com, Eric has appeared regularly on Credible.com, eHow, WiseBread, The Nest, Get.com, Zacks, Chron and dozens of other outlets. A former software engineer, Eric holds an M.B.A. from New York University and an M.S. in finance from DePaul University.

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Edited by: Lillian Guevara-Castro

Lillian Guevara-Castro

Lillian brings more than 30 years of editing and journalism experience. She has written and edited for major news organizations, including The Atlanta Journal-Constitution and the New York Times, and she previously served as an adjunct instructor at the University of Florida. Today, she edits all CardRates content for clarity, accuracy, and reader engagement.

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Advertiser Disclosure

The right business credit card could save your company thousands each year. If travel is a big part of your business, a card that offers travel rewards will help you extract added value from your business expenses. Whether you are rewarded with miles or points, you should select a card that works well with the way you do business.

Our experts have identified the best business credit cards for travel rewards. While we name five cards as the overall best for business travel, they may not be the best for your company’s needs. You’ll notice some cards are co-branded with a particular airline, while others are more general, so read on for all the details.

Overall | Miles | Points | FAQs

Best Overall Business Cards for Travel

The Ink Business Preferred® Credit Card is not only an excellent business travel card, it’s a good choice even if you and your employees don’t travel much. It offers points on all purchases without any limit on the amount you can earn.

  • 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
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • 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®
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.99% - 23.99% Variable
$95
Good/Excellent

The points you earn are transferable 1:1 to most airline frequent travel programs. You increase the value of the points by 25% when you redeem them through Chase Ultimate Rewards for travel. Your points don’t expire, and you can redeem them for cash back, gifts, and more — not just travel.

BUSINESS CARD RATING

★★★★
4.4

OVERALL RATING

  • Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
  • $0 introductory annual fee for the first year, then $99.
  • Receive a 5,000-mile "better together" bonus each anniversary when you have both the UnitedSM Business Card and a personal Chase United® credit card.
  • Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
  • Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
  • Enjoy a free first checked bag - a savings of up to $140 per roundtrip (terms apply), 2 United ClubSM one-time passes per year, and priority boarding privileges.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
19.49% - 26.49% Variable
$99
Good/Excellent

If you or your employees often fly on United or any of the Star Alliance airlines, the United℠ Business Card may be your best bet. You can use your miles for booking flights, inflight WiFi, car rentals, and hotel stays. You can book a United flight at any time, with no blackout dates or other restrictions.

BUSINESS CARD RATING

★★★★★
4.7

OVERALL RATING

4.7/5.0
  • Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
  • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
  • Transfer your miles to 15+ travel loyalty programs
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • Fly through security with one statement credit for either the $85 TSA PreCheck® application fee or the $100 Global Entry application fee
  • $0 intro annual fee for the first year; $95 after that
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
23.99% (Variable)
$0 intro for first year; $95 after that
Excellent, Good

The Capital One Spark Miles for Business offers miles on every purchase that require no minimum to redeem, and have neither blackout dates nor seat restrictions. For business people with excellent credit, this is a top-tier travel card with good rewards, free mile transfers to 15+ travel partners, and plenty of other benefits.

Your accounting department will appreciate the ability to download your purchase records in several formats, including QuickBooks. You also get custom, itemized spending reports quarterly and annually to help manage your planning, budgeting, and taxes.

Business Platinum Card® from American Express Review

at the issuer'ssecure website

BUSINESS CARD RATING

★★★★★
4.6

OVERALL RATING

  • 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
  • Earn 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, 1.5X points on business categories and purchases of $5,000 or more on up to $2 million per calendar year, and 1X point for each dollar you spend on other purchases.
  • Get up to $400 back per year toward U.S. purchases with Dell Technologies, up to $360 back per year for purchases with Indeed, and $120 back per year for wireless telephone service purchases on the Business Platinum Card, plus additional credits. Enrollment is required for all.
  • Access to more than 1,400 lounges across 140 countries and counting with the American Express Global Lounge Collection®
  • Use Membership Rewards® Pay with Points for all or part of an eligible fare and get 35% of those points back, up to 1,000,000 points back per calendar year
  • $695 Annual Fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.24% - 25.24% Pay Over Time
$695
Excellent

The Business Platinum Card® from American Express has a steep annual fee, but the rewards are sensational. Hotel benefits include gold status from Hilton Honors and Marriott Bonvoy, plus an annual hotel credit and room upgrade at any member properties at The Hotel Collection.

The card also provides many shopping and entertainment benefits, including Entertainment Access and American Express Preferred Seating, as well as a bevy of business-oriented security and convenience features.

Best Business Cards for Travel Miles

The Capital One Spark Miles for Business is our experts’ top-ranked business card offering travel miles. You can transfer those miles to more than 15 travel partners, including Air Canada, Finnair, and Qantas. The miles are also good for hotel stays, vacation excursions, and other rewards.

BUSINESS CARD RATING

★★★★★
4.7

OVERALL RATING

4.7/5.0
  • Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
  • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
  • Transfer your miles to 15+ travel loyalty programs
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • Fly through security with one statement credit for either the $85 TSA PreCheck® application fee or the $100 Global Entry application fee
  • $0 intro annual fee for the first year; $95 after that
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
23.99% (Variable)
$0 intro for first year; $95 after that
Excellent, Good

Business-friendly features include fraud protection and interactive alerts to inform you of fraud attempts and protect you with a $0 fraud liability policy. Employee cards are free, and Capital One provides you periodic itemized reports and downloadable purchase records. In addition, you can speak seven days a week to an experienced Spark Business Customer Service Representative who is trained to answer all your questions regarding the card.

BUSINESS CARD RATING

★★★★
4.4

OVERALL RATING

  • Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
  • $0 introductory annual fee for the first year, then $99.
  • Receive a 5,000-mile "better together" bonus each anniversary when you have both the UnitedSM Business Card and a personal Chase United® credit card.
  • Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
  • Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
  • Enjoy a free first checked bag - a savings of up to $140 per roundtrip (terms apply), 2 United ClubSM one-time passes per year, and priority boarding privileges.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
19.49% - 26.49% Variable
$99
Good/Excellent

The United℠ Business Card offers miles rewards, a generous signup bonus, and your first bag checked free on United flights. You’ll also receive priority boarding, an annual travel credit, in-flight discounts, and other perks that make this card ultra-valuable for any business owner who frequently travels with United.

7. CitiBusiness® / AAdvantage® Platinum Select® World Elite Mastercard®

This card is currently not available.

Business Rating

★★★★★
N/A

OVERALL RATING

N/A
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
N/A
N/A

Additional Disclosure: (The information related to CitiBusiness® / AAdvantage® Platinum Select® Mastercard® has been collected by CardRates.com and has not been reviewed or provided by the issuer or provider of this product or service.)

For a surprisingly low annual fee (waived the first year), the CitiBusiness® / AAdvantage® Platinum Select® World Elite Mastercard® offers many benefits that will appeal to business owners. For as few as 12,500 miles, you can travel for free one-way in the contiguous 48 U.S. states.

You can earn a discounted domestic travel American Airlines ticket (fees apply) for a companion for as little as $30,000 in purchases each membership year. Other benefits include a 24/7 personal business assistant to help make travel and dining arrangements, online access to your monthly account summaries and billing statements, and no foreign transaction fees on international purchases.

Delta SkyMiles® Platinum Business Card Review

at the issuer'ssecure website

BUSINESS CARD RATING

★★★★★
4.6

OVERALL RATING

  • Earn 85,000 Bonus Miles after spending $4,000 in purchases on your new card in your first 3 months of card membership
  • With Status Boost®, get closer to Medallion® Qualification Miles(MQMs) Status by earning 10,000 MQMs after you spend $25,000 in purchases on your Card in a calendar year, up to 2 times per year
  • Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta and purchases made directly with hotels
  • Earn 1.5 Miles on single eligible purchases over $5,000, up to 50,000 additional miles per calendar year, and 1 Mile on every eligible dollar spent on purchases
  • You can check your first bag for free and save up to $60 on a round-trip Delta flight, plus enjoy early boarding on Delta flights
  • Enjoy early boarding on Delta flights as a benefit of card membership. You can board your flight when Main Cabin 1 priority boarding is called so you can find room for your carry-on bag and settle into your seat sooner.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.74% - 27.74% variable
$250
N/A

If you and your employees frequently fly with Delta, the many benefits offered by the Delta SkyMiles® Platinum Business Card is likely worth the annual fee. When you take advantage of the introductory bonus offer or simply travel on Delta, you get SkyMiles and Medallion Qualification Miles. The latter determine your Medallion Status and unlock benefits such as better seating, automatic upgrades, and waived baggage fees.

This card serves business owners with the Spend Manager mobile app to notate your transactions, as well as features like additional employee cards with spend tracking, Account Manager to administer your employee cards, and account alerts that help you avoid overdue payments and detect irregular activity.

Best Business Cards for Travel Points

The Ink Business Preferred® Credit Card offers one of the largest bonus point bonanzas through its introductory three-month promotion. The points don’t expire, and you earn them on every purchase, without limit. You earn 3X points for selected travel and business expenses on the first $150,000 in annual purchases.

BUSINESS CARD RATING

★★★★★
4.6

OVERALL RATING

  • 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
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • 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®
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.99% - 23.99% Variable
$95
Good/Excellent

You receive 125% of your point value when you redeem your points for travel through Chase Ultimate Rewards. You can also transfer the points to most airline rewards programs. The card charges no foreign transaction fees, provides up to $600 protection per claim for cellphone loss or damage, and offers additional employee cards at no cost.

Business Platinum Card® from American Express Review

at the issuer'ssecure website

BUSINESS CARD RATING

★★★★★
4.6

OVERALL RATING

  • 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
  • Earn 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, 1.5X points on business categories and purchases of $5,000 or more on up to $2 million per calendar year, and 1X point for each dollar you spend on other purchases.
  • Get up to $400 back per year toward U.S. purchases with Dell Technologies, up to $360 back per year for purchases with Indeed, and $120 back per year for wireless telephone service purchases on the Business Platinum Card, plus additional credits. Enrollment is required for all.
  • Access to more than 1,400 lounges across 140 countries and counting with the American Express Global Lounge Collection®
  • Use Membership Rewards® Pay with Points for all or part of an eligible fare and get 35% of those points back, up to 1,000,000 points back per calendar year
  • $695 Annual Fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.24% - 25.24% Pay Over Time
$695
Excellent

The Business Platinum Card® from American ExpressBusiness Platinum Card from American Express offers a cornucopia of rewards, albeit for a high annual fee. Cardmembers receive Gold Status from Marriott Bonvoy and Hilton Honors without having to meet any stay requirements. You get higher point rewards for eligible purchases of $5,000 or more, for up to 1 million added points per year.

The card provides up to a two-year extension on qualified warranties, annual purchase protection of $10,000 per occurrence and $50,000 per account, and complimentary travel accident insurance for you and your family while traveling on a common carrier.

BUSINESS CARD RATING

★★★★★
4.6

OVERALL RATING

  • Earn 30,000 bonus points when you make at least $3,000 in net purchases within 90 days of your account opening which can be redeemed for a $300 statement credit toward travel purchases
  • Earn unlimited 1.5 points for every $1 you spend on all purchases, everywhere, every time – no matter how much you spend
  • Earn 3 points per every dollar spent when you book your travel (car, hotel, airline) through the Bank of America® Travel Center
  • 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 Preferred Rewards for Business. That means you could earn up to an unlimited 2.62 points per $1 spent on all purchases and 5.25 points per $1 spent at the Bank of America Travel Center.
  • 0% introductory APR on purchases for 9 billing cycles from account opening, then a variable APR applies
  • $0 Annual Fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 9 billing cycles
N/A
14.49% - 24.49% Variable
$0
Good

The Business Advantage Travel Rewards World Mastercard® credit card attracts frugal business owners with no annual fee, a low-to-moderate APR for purchases, and an introductory promotion for new cardmembers. You can earn an extra 25% to 75% reward bonus on every purchase you make when you enroll in the Business Advantage Relationship Rewards Program.

You can redeem your points for cash back and gift cards, as well as statement credits to pay for flights, vacation packages, hotels, cruises, baggage fees, and rental cars. You can use your travel rewards to book a trip without any travel restrictions or blackout dates. The card offers sophisticated benefits, including cash flow management tools, a mobile app, overdraft protection on a linked Bank of America business checking account, $0 liability protection and fraud monitoring.

BUSINESS CARD RATING

★★★★
4.3

OVERALL RATING

  • Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
  • 6,000 bonus points after your Cardmember anniversary.
  • Earn 3X points on Southwest Airlines® purchases.
  • Earn 2X points on Rapid Rewards® hotel and car partners.
  • Earn 2X points on rideshare.
  • 1 point per $1 spent on all other purchases.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.99% - 25.99% Variable
$99
Good/Excellent

Fans of Southwest Airlines will appreciate the rewards available through the Southwest® Rapid Rewards® Premier Business Credit Card. You can redeem the card’s non-expiring points for Reward seats at more than 100 destinations with no blackout dates. Reward travel includes free first and second checked bags and no hidden fees.

The card’s built-in benefits include lost luggage reimbursement of up to $3,000 per passenger and baggage delay insurance of up to $100 a day for three days. You also receive an additional year of warranty protection on eligible U.S. manufacturer’s warranties of three years or less. Goods purchased with the card are covered for 120 days against theft or damage up to $50,000 per account and $10,000 per claim.

How Do I Get a Business Credit Card?

Big corporations routinely use business credit cards. But it’s fairly easy for even the smallest businesses to qualify. Perhaps you are a self-employed contractor or a part-time Uber driver. If you are doing anything for a profit (or plan to shortly), you are a small business and you can get a business credit card.

The application process is straightforward. You’ll be asked to provide the following data:

  • A legal name: If you have a separate business name, for instance through a corporation, partnership or LLC, use it on the card application. Otherwise, just use your own legal name.
  • Business description: The application may ask what kind of business you operate, how it is structured, information about beneficial owners (i.e., someone owning at least 25% of the business), and the industry in which you operate.
  • Personal identification: You’ll describe your role in the business (using terms like president, CEO or owner) and provide either your Social Security number or Employee Identification Number. Include your business address, which can be your home address. You’ll also be asked for other personal information such as your household income, birthdate, email address and so forth.
  • Business factoids: You’ll be asked how long you’ve been in business (if you are a startup, enter zero) and the number of people you employ. If you are self-employed, enter “1.” Other important data points will include your annual business revenue (if you are just starting, it’s OK to enter zero) and how much you spend each month on business expenses.

To expedite the application, you may have to sign a personal guarantee to repay any credit card debt. It helps to demonstrate a business relationship with a bank. Your personal credit history will have a major impact on the issuer’s decision, but some cards are pickier than others.

What’s the Easiest Business Credit Card to Get?

The key to getting a business credit card is to convince the issuer of your creditworthiness. You should be able to do so easily if you can demonstrate your revenues exceed expenses over a period of at least two years. If you don’t fall into this group, the card issuer will look to your personal credit history. Your application for a business card will likely be accepted if you have an average or better score and a clean credit report.

Suppose your business hasn’t started earning profits, and/or your personal credit score is lacking. In that case, you’ll have a hard time being approved for many of the business travel cards we’ve discussed. However, you do have a couple of options.

The Bank of America Business Advantage Travel Rewards Card is our pick for the easiest card to get among the ones mentioned in this article. It has no minimum requirement for credit score and will accept start-up companies.

Business Advantage Travel Rewards World Mastercard® credit card Review

The card charges no annual fee, has an achievable sign-up bonus, and offers a 0% introductory APR on purchases you make during the first nine billing cycles after opening the account.

Your other alternative is to apply for a secured business credit card. You put cash into a special account that acts as collateral if you should miss a credit card payment. If you use the card sensibly, you may be able to graduate to a regular, unsecured card within a year.

Which Business Credit Card Gives the Highest Limit?

The winner for highest credit limit among the cards in our group goes to the Business Platinum Card® from American Express. It has no credit limit – it is a charge card and does not extend credit.

Business Platinum Card® from American Express Review

Charge cards require you to pay the full balance each month. Failure to do so will result in heavy late fees, and if you make late payments often, your account could be suspended.

This doesn’t mean you can spend endlessly with a charge card. A particularly large balance will doubtlessly raise red flags. However, charge cards generally have no preset spending limits. If you demonstrate that you can pay off a large balance each month, the issuer will let you continue to charge substantial amounts on its card.

Many business owners will find the Platinum Card perfect for their needs if their businesses generate enough cash flow to pay the card balance each month and consider the card’s generous rewards well worth the high annual fee.

The card acts as a short-term loan (up to one month) with no interest charges. Furthermore, American Express does much of the recordkeeping, including a year-end summary, making it easier to manage your expenses and prepare your taxes.

Which Credit Cards Get You into Airport Lounges?

Seasoned travelers love airport lounges, but not necessarily the entry fee of $50 or more per person. Lounges allow weary business owners and employees to freshen up between connecting flights and offer many business-friendly features, including internet access, workstations, meeting rooms, fax and photocopy machines, personalized message services, and telephone access.

If you consider airport lounges important to your business, you may prefer a business travel card that offers complimentary or discounted lounge access and/or lets you pay for access with travel rewards.

From our recommended business travel cards, we find the following best for lounge access:

  • Business Platinum Card® from American Express: Considered the leader among cards offering lounge access, it provides entree to the American Global Lounge Collection of 1,200+ lounges worldwide, including the Centurion Lounge, Delta SkyClub, and Priority Pass Select networks. Up to three authorized users can receive lounge access for a fee of $175 per year.
  • United℠ Business Card: You receive two complimentary one-time United Club passes each year, a value worth more than $100.

Even if you don’t carry one of the cards that offer free access to airport lounges, remember that almost all travel cards will let you cash in points or miles for lounge admittance. Check the fine print of the cards you’re considering for details on the number of miles/points required.

Earn Travel Rewards for Your Small Business Expenses

Every business owner knows that it makes sense to get the most value from every dollar you spend. The best business travel cards do that in spades, and the variety of desirable cards lets you select one that best fits your business goals and your budget.

The business travel cards selected by our experts come with annual fees from $0 to almost $600. Most offer generous sign-up bonuses and let you rack up extra rewards for travel-related expenses. Not surprisingly, the cards with the highest fees offer the most generous rewards. But, if you don’t need some of the perks, such as hotel discounts or airport lounge access, you can choose a card with a low or no annual fee and still receive high value.

Pay attention to the card basics, such as the APR, fees, bonus rewards, and the business-friendly benefits that should figure heavily into the mix of features that work best for your company.

Advertiser Disclosure

CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across CardRates.com (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.