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Erika's Picks for Best Business Travel Credit Cards
- Best for premium travel rewards:
Capital One Venture X Business - Best for hotel perks:
Marriott Bonvoy Business® American Express® Card - Best for airline perks:
Delta SkyMiles® Reserve Business American Express Card - Best for lounge access:
The Business Platinum Card® from American Express - Best for general travel rewards:
Ink Business Preferred® Credit Card - Best for new businesses:
American Express® Business Gold Card
For entrepreneurs and small business owners constantly on the move, the right business travel credit card can be a game-changer.
Beyond simply paying for flights and hotels, these specialized cards offer valuable perks like airport lounge access, travel insurance, and the ability to earn significant rewards on business-related expenses.
When your work regularly takes you across the country or around the globe, having the right card in your wallet can translate to thousands of dollars in savings and benefits that make travel both more comfortable and cost-effective.
Best for Premium Travel Rewards
Capital One Venture X Business
Rewards Rate
- 10x on hotels and rental cars booked through Capital One's travel booking site
- 5x on flights and vacation rentals booked through Capital One's travel booking site
- 2x miles on every purchase
Welcome Offer
For a limited time, earn up to 350,000 bonus miles: 150,000 miles once you spend $30,000 in the first 3 months, and an additional 200,000 miles once you spend $200,000 in the first 6 months
Annual Fee
$395
The Capital One Venture X Business offers premium travel rewards with a reasonable annual fee. If you travel frequently and want lounge access, travel credits, increased rewards for business spending, and free employee cards, all without paying a hefty premium, the Venture X Business is hard to beat.
Here are some of its standout features:
- Miles can be redeemed for a statement credit on travel purchases
- Can transfer miles to 15+ different hotel and airline travel partners
- Statement credit for TSA Precheck® or Global Entry
- $300 travel credit for bookings made through Capital One's travel booking site
- $100 experience credit for booking a Premier Collection hotel
- 10,000 bonus miles every year, starting on your first anniversary
- Add employee cards for no additional fee
- Priority Pass and Capital One lounge access at over 1,300 airport locations
- No foreign transaction fees
Just note that this is a pay-in-full card, which means you can’t carry a balance over from month to month.
If you travel a lot for business, the Capital One Venture X Business is one of your best options. It offers premium travel benefits such as lounge access, travel credits, and bonus rewards for spending on travel.
Plus, being able to access Priority Pass and Capital One lounges worldwide can help make travel a bit smoother. And TSA Precheck® or Global Entry makes security a breeze while traveling, while the ability to transfer miles to airline and hotel partners allows you to get more for your points.
The annual fee is high, but lower than some competing cards, making it a standout premium travel card.
Best for Hotel Perks
Marriott Bonvoy Business® American Express® Card
Rewards Rate
- 6x points on Marriott Bonvoy® hotels
- 4x points at U.S. gas stations, worldwide restaurants, and U.S. wireless phone services
- 2x points on all other eligible purchases
Welcome Offer
Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.
Annual Fee
$125 (rates and fees)
The Marriott Bonvoy Business® American Express® Card offers a fantastic welcome offer, Marriott elite status, bonus points for staying at Marriott hotels, and a free night each card anniversary.
If you’re a frequent traveler who prefers staying at Marriott locations, this card is worth a look. Travel benefits and perks include:
- Instant Gold Elite status, which includes priority late checkout when available and 25% bonus points on stays
- Up to 7% discount on eligible Marriott Bonvoy® bookings made directly through Marriott
- Free night award on card anniversary (worth up to 35,000 points)
- Additional anniversary free night award if you spend at least $60,000 within the calendar year
- No foreign transaction fees
- Baggage Insurance Plan (up to $1,250 for carry-on and up to $500 for checked bags)*
- Global Assist Hotline for 24/7 emergency assistance and coordination services*
- Car Rental Loss and Damage Insurance when you decline the rental company’s collision damage waiver*
* Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
Marriott has a large global hotel network with nice properties, and the Marriott Bonvoy Business® American Express® Card rewards you for staying at any participating Marriott Bonvoy property.
If you frequently stay at Marriott hotels, the 6x points can quickly add up to more free nights, and the free additional night each card anniversary more than makes up for the (reasonable) annual fee.
Plus, complimentary Gold Elite status can snag you potential room upgrades and other hotel perks.
If you’re a loyal Marriott customer (or looking to switch to Marriott), the Bonvoy Business card is one of the best options available.
Best for Airline Perks
Delta SkyMiles® Reserve Business American Express Card
Rewards Rate
- 3x miles per $1 on Delta purchases
- 1.5x miles on eligible transit, U.S. shipping, and U.S. office supply store purchases, plus all eligible purchases after you spend $150,000 in purchases on your card in a year (if your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply)
- 1x miles per $1 spent on all else
Welcome Offer
Earn 80,000 Bonus Miles after spending $10,000 in purchases in your first 6 months of card membership
Annual Fee
$650 (rates & fees)
American Express offers one of the best co-branded airline cards for Delta with the Delta SkyMiles® Reserve Business American Express Card.
With huge benefits like premium lounge access (Delta Sky Club® and Amex's The Centurion Lounge®), free first checked bag, travel credits, complimentary seat upgrades, and even a companion certificate that works in first class, the SkyMiles Reserve offers luxury airline travel at its best.
Its travel benefits and perks include:
- 15% discount when booking award flights on Delta.com or through the FlyDelta app
- $240 annual Resy statement credit (up to $20 per month) (enrollment required)
- $250 statement credit when booking prepaid hotels or vacation rentals through delta.com
- Companion certificate good for Main Cabin, Delta Comfort+®, or First Class (applicable fees and taxes are extra)
- Added to the Complimentary Upgrade list for Delta flights
- $2,500 Medallion Qualification Dollars (MQD) and $1 MQD for every $10 spent
- 15 visits to Delta Sky Club® per year — or unlimited visits if you spend at least $75,000 per year on the card
- Access to The Centurion® Lounge when booking a qualifying Delta flight with your card
- Statement credit for Global Entry or TSA PreCheck® fee*
- Trip Delay Insurance when your trip is delayed more than six hours (up to $500 per trip, maximum two claims per 12 consecutive-month period)**
- Trip Cancellation and Interruption Insurance (up to $10,000 per trip and $20,000 per card per 12 consecutive-month period)**
- Baggage Insurance Plan (up to $1,250 for carry-on and up to $500 for checked luggage)**
- Car Rental Loss and Damage Insurance when you decline the rental company’s collision damage waiver**
- No foreign transaction fees
* Receive either a $120 statement credit for Global Entry or a credit of up to $85 for TSA PreCheck after you apply through any Authorized Enrollment Provider. Only one credit will be given in a 4 year period for Global Entry or in a 4.5 year period for TSA PreCheck, depending on whichever application fee is charged to your eligible American Express® Card first.
** Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
If you’re a frequent flier, you know how frustrating (and expensive) air travel can be. The Delta SkyMiles® Reserve Business American Express Card takes much of the pain away, with a generous welcome offer, a companion pass that’s even available for first class, and multiple discounts and credits when traveling.
Plus, you can enjoy complimentary access to two of the nicest airport lounges around: the Delta Sky Club® and The Centurion® Lounge (on qualifying flights).
If you fly Delta often, this card is the perfect complement for business travel, with immediate status and a ton of Delta perks.
Best for Lounge Access
The Business Platinum Card® from American Express
Rewards Rate
- 5x points on flights, prepaid hotels, and short-term rentals and prepaid flight + hotel packages booked at AmexTravel.com
- 1.5x points on eligible purchases of over $5,000
- 1.5x points on certain business expenses including electronic goods retailers
- 1x points on other eligible purchases
Welcome Offer
Limited Time Travel Offer! Earn 150,000 Membership Rewards® points after you spend $20,000 within the first 3 months. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel® within the first 3 months. You can earn one or both of these offers. Offer ends 6/30/25.
Annual Fee
$695 (rates and fees)
The Business Platinum Card® from American Express is a premium business travel card with a mile-long list of perks — including access to some of the best airport lounges in the world.
If you want to travel in style for your business and enjoy free food and a relaxing atmosphere in the airport (of all places), the Amex Business Platinum is worth a look.
Some of its benefits include:
- Over $1,000 in annual statement credits available from Dell, Adobe, Indeed, airlines, and more:
- Up to $200 semi-annually on U.S. purchases with Dell (through 6/30/2025; enrollment required)
- Up to $360 ($90 quarterly) for purchases with Indeed (enrollment required)
- Up to $150 for select auto-renewing annual business subscription purchases with Adobe (through 6/30/2025)
- Up to $120 per year for purchases with U.S. wireless telephone service providers (enrollment required)
- Up to $200 for incidental fees, such as checked bags and in-flight refreshments, with one selected qualifying airline
- Up to $200 for for eligible purchases made directly with Hilton ($50 per quarter) (enrollment required)
- Up to $199 for CLEAR® Plus membership
- Statement credit for Global Entry or TSA PreCheck® fee*
- Access to the American Express Global Lounge Collection® for eligible Card Members at over 1,400 airports worldwide — including Priority Pass™, Escape Lounges, Delta Sky Club®, and The Centurion Lounge®
- Instant elite status with Hilton, Marriott, Hertz, and more
- Over $500 in perks with Fine Hotels + Resorts packages when you book through American Express Travel
- Access to Business Platinum Travel Consultants for custom itineraries and tailored recommendations
- Trip Delay Insurance (up to $500 per trip, maximum two claims per eligible card per 12 consecutive-month period)**
- Trip Cancellation and Interruption Insurance**
- No foreign transaction fees
* Receive either a $120 statement credit for Global Entry or a credit of up to $85 for TSA PreCheck after you apply through any Authorized Enrollment Provider. Only one credit will be given in a 4 year period for Global Entry or in a 4.5 year period for TSA PreCheck, depending on whichever application fee is charged to your eligible American Express® Card first.
** Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
The Business Platinum Card® from American Express is the ultimate luxury travel card that offers a seamless travel experience with access to over 1,400 lounges worldwide. The Centurion Lounges® in particular offer some of the best free food and cocktails of any airport lounge — not to mention a quiet place to conduct business while traveling.
And through partnerships with hotels and car rental agencies, you’ll also enjoy elite status with various perks from places like Hertz, Avis, Hilton, and Marriott.
Best for General Travel Rewards
Ink Business Preferred® Credit Card
Rewards Rate
- 3x points on every dollar spent on shipping, advertising with social media and search engines, internet, cable, phone, and travel — up to the first $150,000 spent in combined purchases in these categories
- 1x per dollar spent everywhere else
Welcome Offer
Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months
Annual Fee
$95
Chase offers one of the best travel rewards programs out there, with the ability to redeem your points for cash, bookings through Chase TravelSM, and even transfers to 11 different travel partners for free flights and hotel stays.
And the Ink Business Preferred® Credit Card comes with a large welcome bonus and relatively low annual fee for all the perks it offers:
- Points are worth 25% more when redeeming through Chase TravelSM
- No additional cost for employee cards
- Trip cancellation and interruption insurance (up to $5,000 per covered traveler and $10,000 per trip)
- Roadside assistance
- Auto rental coverage when you decline the rental company's collision insurance
- No foreign transaction fees
The Ink Business Preferred® Credit Card is great for general travel rewards, as Chase has some of the best transfer partners that can make your points worth even more.
For example, Hyatt offers a 1:1 transfer and the ability to book high-end hotel nights for less than 50,000 points (worth $500+ in value). And throughout the year, transfer bonuses can boost your points’ value by up to 40% for select transfer partners.
Add in the 3x rewards for certain business categories and a low annual fee, and this is a great all-around business travel rewards credit card.
Best for New Businesses
American Express® Business Gold Card
Rewards Rate
- 4x points on the top two eligible categories where your business spends the most each month from 6 eligible categories, up to $150,000 in combined purchases (1x thereafter)
- 3x points on flights and prepaid hotels booked on amextravel.com
- 1x points on everything else
Welcome Offer
Earn 100,000 Membership Rewards® points after spending $15,000 on eligible purchases within the first 3 months
Annual Fee
$375 (rates and fees)
The Business Gold Card now comes in three metal designs: Gold, Rose Gold and Limited Edition White Gold. White Gold design is only available while supplies last. Make your selection when you apply on Americanexpress.com.
If you’re just starting up your business, you likely have quite a few startup costs. The American Express® Business Gold Card can help you make the most of those costs with 4x points on your top two business spending categories per month.
Add in a $20 monthly business credit at select business merchants, a generous welcome offer, and flexible rewards points, and new business owners can earn travel rewards for simply spending on things they were already going to buy.
Plus, the card offers a Pay Over Time option to spread out costs, which is great for startup expenses.
Some of the card’s perks include:
- Flexible rewards program with multiple ways to redeem
- $240 business statement credit (up to $20 monthly) for eligible U.S. purchases at FedEx, GrubHub, and office supply stores (enrollment required)
- $155 annual statement credit for WalMart+ Membership (paid monthly; up to $12.95 plus applicable taxes)
- $100 experience credit for qualifying dining, spa, and resort activities at The Hotel Collection resorts
- Baggage Insurance Plan (up to $1,250 for carry-on and up to $500 for checked luggage)*
- Trip Delay Insurance if your trip is delayed more than 12 hours*
- Car Rental Loss and Damage Insurance when you decline the rental company’s collision damage waiver*
- Global Assist Hotline for 24/7 emergency assistance and coordination services*
- No foreign transaction fees
* Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
The American Express® Business Gold Card not only offers a generous welcome offer, but it also offers huge earning potential for your top two business spending categories each month. With 4x points for every dollar spent up to $150,000, you can earn up to 600,000 Membership Rewards® points each year.
If your business is just getting started and you have expenses like travel, meals, fuel, electronics, and digital advertising, the Amex Business Gold is hands-down the best travel rewards card you can get.
How To Choose a Business Travel Credit Card
A good business travel card can help earn you a huge stack of travel rewards and make travel much less stressful.
But before you choose one, you want to make sure you’re getting the right card for your business needs and travel habits. For example, a hotel-branded card won’t work if you’re not loyal to one hotel chain, and a high-fee card won’t be worth the cost if you’re not making use of all the benefits.
Here are a few things to consider when choosing a business travel credit card:
- Annual fee: Make sure the perks are worth the annual fee — but also don’t be afraid of a high fee if you can get more value out of the card.
- Rewards rate: Look for category bonuses for spending in areas you already spend on for your business.
- APR: While it’s always a good idea to pay your credit card in full every month, make sure the APR (annual percentage rate) isn’t going to lead you into debt. Some business credit cards offer promotional APRs, which can help with business startup costs.
- Welcome offer: The welcome bonus on your business credit card can be worth (literally) thousands of dollars. But make sure you can realistically make the minimum spend requirement.
- Redemption options: While some credit cards only earn one type of miles or points, some offer flexible rewards that can be redeemed in multiple ways. Find a card that matches how you want to redeem and gives you the most value.
- Additional perks. Finding a card with built-in business tools (like cash flow and employee card tracking) can help simplify your operations. Also look for extras like purchase protection, extended warranty, travel insurance, and elite status.
READ MORE: How To Choose a Travel Rewards Credit Card
Bottom Line: Should You Get a Business Travel Card?
Getting the right business credit card can help you earn (nearly) free flights and hotel stays for spending money on things you already buy for your business, while also helping you run your business smoothly with built-in tracking tools and employee cards.
You can also upgrade your travel with perks like lounge access, elite status, seat upgrades, car rental upgrades, and travel credits.
But it’s up to you to manage your money and keep up on your monthly payments on your business credit card — it’s not worth getting into debt for travel rewards.
Frequently Asked Questions
No, you don’t need to be a registered business or even have an Employee Identification Number (EIN) to qualify for a business credit card.
You just need to provide your business income and the type of business you run. This can include side hustles (like flipping garage sale items on eBay) or other small businesses that don’t take a lot of your time.
Yes, most business credit cards require that you provide your Social Security number and will perform a hard credit pull on your personal credit to qualify.
This can cause your score to dip slightly, but if you make on-time payments and keep your debt loads low, your score should recover.
In most cases, you can combine your points between your business and personal credit cards from the same card issuer.
For example, Chase allows you to combine your Ultimate Rewards® earned from both business and personal credit cards. American Express Membership Rewards® can also be combined.
You’ll usually need to contact your card issuer and ask them to combine your accounts manually.
Disclosure: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
