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6 Best Business Credit Cards for Travel of 2023

6 Best Business Credit Cards for Travel of 2023

The The Platinum Card® from American Express is our pick for best business credit card for travel. It offers the most valuable combination of points and perks of any of our top picks for small businesses.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more. Citi is an advertising partner.

The Business Platinum Card® from American Express

United℠ Business Card

The Hilton Honors American Express Business Card

One of the big benefits of owning a small business is the ability to leverage your business spending into free travel. You can earn rewards for major business purchases such as advertising, computers and office supplies — then simply cash those points or miles in to fly to a client meeting, stay at your favorite beach hotel or attend an annual conference or business retreat.

And the benefits go beyond free trips — a business credit card for travel may offer a variety of perks, from airport lounge access and airline or hotel elite status to travel credits that reimburse you for checked bag fees and in-flight drinks. We've reviewed a variety of small business travel credit cards on ValuePenguin and top issuer sites to give you the most valuable picks for different goals, priorities and types of businesses.

Best business credit cards for travel in 2022

Welcome Offer
Credit Needed
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Annual Fee
United℠ Business Card
United℠ Business Card
Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.660 - 850$99
Apply Now
On Chase's Secure Website
Delta SkyMiles® Reserve Business American Express Card
Delta SkyMiles<sup>®</sup> Reserve Business American Express Card
Earn 100,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 3 months. Offer ends 3/29/23.660 - 850$550
Not available on ValuePenguin
The Hilton Honors American Express Business Card
The Hilton Honors American Express Business Card
Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card in the first 3 months of Card Membership.660 - 850$95
Not available on ValuePenguin
Ink Business Preferred® Credit Card
Ink Business Preferred<sup>®</sup> Credit Card
Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.720 - 850$95
Apply Now
On Chase's Secure Website
The Business Platinum Card® from American Express
The Business Platinum Card<sup>®</sup> from American Express
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. 660 - 850$695
Not available on ValuePenguin
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Bank of America<sup>®</sup> Business Advantage Travel Rewards World Mastercard<sup>®</sup> credit card
30,000 online bonus points after you make at least $3,000 in net purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.720 - 850$0
Not available on ValuePenguin
The Blue Business® Plus Credit Card from American Express
The Blue Business<sup>®</sup> Plus Credit Card from American Express
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.660 - 850No annual fee
Not available on ValuePenguin
Capital One Spark Classic for Business
Capital One Spark Classic for Business
N/A600 - 660$0
Not available on ValuePenguin
The Platinum Card® from American Express
The Platinum Card<sup>®</sup> from American Express
Earn 80,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership.660 - 850$695 See Rates & Fees.
Apply Now
See Rates & Fees. Terms Apply. On American Express' Secure Website
Welcome Offer
Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
Earn 100,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 3 months. Offer ends 3/29/23.
Credit Score Needed
?
660 - 850
660 - 850
Annual Fee
$99
$550
Apply Now
On Chase's Secure Website
Not available on ValuePenguin

Best business credit card for airline miles

United℠ Business Card

On Chase's Secure Website

Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.

$99

20.74% - 27.74% Variable

660 - 850

  • 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.
  • Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.
  • $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
  • Overall first year value: $2,213 ?
  • First year rewards value: $2,013
  • Other credits and perks: $200

  • 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.
  • Get 5,000 anniversary miles when you also have a personal United credit card
  • Employee purchases earn miles too with free employee cards
  • Achieve elite status faster by earnings up to 1,000 Premier qualifying points (PQPs) with spending
  • Must spend $20,000 within six months to earn the full welcome bonus
  • Checked bag benefits are limited to the cardholder and one companion
  • Ability to earn Premier qualifying points toward elite status potential is limited

The United℠ Business Card is the best business credit card for travel because of its generous welcome bonus and 2x miles on popular business expense categories. Additionally, it includes travel benefits that save money and improve the travel experience for the cardholder, including a free checked bag on United flights, priority boarding and two United Club passes each year. And if you also have a personal United card, you'll receive 5,000 anniversary miles when you renew the card.

Best for airline perks

Delta SkyMiles® Reserve Business American Express Card

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Not available on ValuePenguin

Earn 100,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 3 months. Offer ends 3/29/23.

$550

20.24% - 29.24% Variable

660 - 850

  • Limited Time Offer: Earn 100,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 3 months. Offer ends 3/29/23.
  • NEW: Save 15% On Award Travel With TakeOff 15. Not applicable to partner-operated flights or to taxes and fees.
  • With complimentary access into Delta Sky Club®, you can relax before your Delta flight, or find downtime between connections. You’ll also receive two Delta Sky Club One-Time Guest Passes each year so you can share the experience with others when you’re traveling together.
  • When you purchase a Delta flight with your Delta SkyMiles Reserve Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.
  • After you spend $150,000 on your Card in a calendar year, you earn 1.5 miles per dollar (that’s an extra half mile per dollar) on eligible purchases the rest of the 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 instead of 1.5X).
  • Plus enjoy 3X miles per dollar on all eligible Delta purchases.
  • With Status Boost®, earn 15,000 Medallion® Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card in a calendar year, up to 4x per year getting you closer to Medallion Status.
  • Terms and limitations apply.
  • Overall first year value: $2,884 ?
  • First year rewards value: $1,019
  • Other credits and perks: $1,865

  • Get a companion certificate each year, good for domestic First Class, for just the taxes and fees
  • Complimentary Delta Sky Club and Amex Centurion Lounge access
  • Reach elite status quicker with up to 60,000 MQMs on your spending
  • Application fee credit for Global Entry or TSA PreCheck® (enrollment required)
  • Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta.
  • Annual fee of $550 is on the high end for a business travel card
  • Limited bonus category options to earn additional Delta miles on business purchases
  • High 20.24% - 29.24% Variable APR

Travelers searching for perks will love the Delta SkyMiles® Reserve Business American Express Card. As one of the best business credit cards for travel, it includes an annual companion certificate good for any class domestic flight, complimentary entry to Sky Club and Centurion Lounges when flying Delta and access to the free upgrade list even if you don't have elite status. You'll also enjoy priority boarding and the first checked bag free on Delta flights and numerous travel protections on any airline. And, if elite status is important to you, you'll get a Status Boost by earning up to 60,000 Medallion Qualifying Miles (MQMs) based on your spending – 15,000 MQMs for every $30,000 in purchases.

Best for hotel rewards and perks

The Hilton Honors American Express Business Card

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Not available on ValuePenguin

Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card in the first 3 months of Card Membership.

$95

20.24% - 29.24% Variable

660 - 850

  • Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card in the first 3 months of Card Membership.
  • 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.
  • Overall first year value: $1,384 ?
  • First year rewards value: $955
  • Other credits and perks: $429

  • Automatic Hilton Gold status and opportunity to earn Diamond (enrollment required)
  • Can earn up to two free nights at almost any Hilton property with your business purchases
  • 10 complimentary passes for Priority Pass airport lounges per year
  • Significant spending required to earn Diamond status and second free night award
  • Some bonus categories are limited to purchases inside the U.S.
  • High 20.24% - 29.24% Variable APR

The Hilton Honors American Express Business Card is one of the best business credit cards for frequent business travel because of its automatic elite status and generous earnings potential. Its annual fee is a reasonable $95, which makes it easy on the company's budget, and there are no foreign transaction fees on international purchases. And businesses that have larger spending needs can earn Hilton Honors Diamond elite status (enrollment required) and up to two free nights each year. Cardholders also receive 10 airport lounge visits each year and limited travel protections when using the card to book reservations.

Best business credit card for international travel

Ink Business Preferred® Credit Card

On Chase's Secure Website

Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.

$95

20.24% - 25.24% Variable

720 - 850

  • 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®
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account
  • Overall first year value: $2,393 ?
  • First year rewards value: $955
  • Other credits and perks: $429

  • Bonus categories are capped at $150,000 in spending per year
  • High 20.24% - 25.24% Variable APR

When traveling internationally, the Ink Business Preferred® Credit Card is the best credit card for business travel expenses. You'll earn up to 3x points on travel reservations and receive valuable protections if something goes bad on your trip. Reservations are covered against cancellation, interruption, rental car damage and more. There are $0 foreign transaction fees on international purchases, and you can add employee cards for no additional charge. Rewards can be transferred 1:1 to airline and hotel partners. Or, if you prefer more flexibility, you can book travel through Chase Ultimate Rewards® for a 25% bonus.

Best for travel points and perks

The Business Platinum Card® from American Express

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Not available on ValuePenguin

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.

$695

18.74% - 26.74% Variable

660 - 850

  • 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 value per year for statement credits on select purchases, including tech, recruiting and wireless with the Business Platinum Card.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Card or any of the Additional Cards on your Platinum Card account.
  • $189 CLEAR® Credit: CLEAR® uses biometrics to assign you a touchless ID, allowing you to move faster through security at select airports and stadiums across the U.S. You can cover the cost of a CLEAR membership with up to $189 in statement credits per calendar year after you pay for CLEAR with your Business Platinum Card®.
  • 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.
  • Overall first year value: $3,690 ?
  • First year rewards value: $2,660
  • Other credits and perks: $1,030

  • Access to the American Express Global Lounge Collection, the largest airline lounge network
  • Hilton Honors Gold and Marriott Bonvoy Gold status after enrollment
  • 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com
  • Over $1,000 in value with credits from popular business service providers
  • Receive 35% points back when booking travel with points through Amex Travel (enrollment required)
  • A very high annual fee of $695 makes this the most expensive of all of our picks
  • Must book travel through Amex Travel to earn 5 points per $1 spent
  • No bonus categories for common business expenses

One of the best business cards for air travel is The Business Platinum Card® from American Express because it earns 5X points when booking through Amex Travel and includes access to over 1,400 airport lounges, including Amex Centurion and Delta Sky Club lounges. The card includes over $1,000 in credits each year, including up to a $200 airline fee credit and up to a $189 CLEAR membership reimbursement (enrollment required). Your points transfer to hotel and airline partners to book award travel, or you can book travel through Amex and receive up to 35% of your points back with a designated airline that you choose at the beginning of the year. And when you arrive at your destination, enjoy elite perks through complimentary Hilton Honors Gold and Marriott Bonvoy Gold status (enrollment required) or when booking through Fine Hotels & Resorts.

Best for no annual fee

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

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Not available on ValuePenguin

30,000 online bonus points after you make at least $3,000 in net purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.

$0

16.49% - 26.49% Variable APR on purchases

720 - 850

  • Earn 30,000 online bonus points after you make at least $3,000 in net 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. Points don't expire.
  • Earn 3 points per every dollar spent on travel purchases (car, hotel, airline) booked through the Bank of America® Travel Center.
  • No annual fee and no international transaction fees.
  • 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.49% to 26.49% will apply.
  • Redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America Travel Center, cash back or gift cards.
  • 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 and up to 5.25 points per $1 spent at the Bank of America Travel Center.
  • 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.
  • Overall first year value: $600 ?
  • First year rewards value: $600
  • Other credits and perks: N/A

  • Extra points on every purchase without having to remember bonus categories
  • Bank of America Preferred Rewards members earn up to 75% more points
  • Save money with $0 annual fee or foreign transaction fees
  • 0% Introductory APR on purchases for your first 9 billing cycles (then a 16.49% - 26.49% Variable APR on purchases applies)
  • Free access to your business credit score
  • No airline or hotel transfer partners for potentially higher value
  • Does not offer as many travel perks as some other featured business travel cards

Small business owners looking for one of the best business credit cards for travel without an annual fee should consider the Bank of America® Business Advantage Travel Rewards World Mastercard® credit card. It earns unlimited 3 points per every dollar spent on travel purchases (car, hotel, airline) booked through the Bank of America® Travel Center. Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time-no matter how much you spend. Points don't expire. Customers with larger balances benefit from up to 75% more points if they qualify for Preferred Rewards. The points never expire, and they can be used to offset travel and dining purchases, book travel or redeem for cash back and gift cards.

Best for earning points with no annual fee

The Blue Business® Plus Credit Card from American Express

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Not available on ValuePenguin

Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.

No annual fee

17.74% - 25.74% Variable

660 - 850

  • Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
  • Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% - 25.74%, based on your creditworthiness and other factors at account opening.
  • No Annual Fee
  • Terms Apply
  • Overall first year value: $1,210 ?
  • First year rewards value: $880
  • Other credits and perks: N/A

  • Get 2X points on the first $50,000 you spend annually
  • Intro APR of 0% on purchases for 12 months from date of account opening gives more time to pay off purchases (a 17.74% - 25.74% Variable APR applies afterward)
  • Free employee cards to earn rewards on purchases and track spending
  • Purchase protections cover you in case items are damaged, stolen or have a warranty claim
  • Points combine with other Membership Rewards cards for additional perks and redemption opportunities
  • Bonus points limited to first $50,000 spent each year
  • Foreign transaction fee of 2.7% of each transaction after conversion to US dollars.

Business owners who want to earn flexible rewards points without paying an annual fee will enjoy The Blue Business® Plus Credit Card from American Express. It lets you Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. It's an excellent companion card to other cards that earn Membership Rewards or a card that stands on its own. While it doesn't have many benefits, the card does include purchase protections and offers an intro APR of 0% on purchases for 12 months from date of account opening (then a 17.74% - 25.74% Variable applies). Ideally, you'll restrict its use to domestic purchases since it charges a 2.7% of each transaction after conversion to US dollars.

Best for low credit score

Capital One Spark Classic for Business

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N/A

$0

29.74% (Variable)

600 - 660

  • Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions. Plus, earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
  • No annual fee
  • Build and strengthen credit for your business by using this credit card responsibly
  • $0 Fraud Liability if your card is lost or stolen
  • Free employee cards, which also earn unlimited 1% cash back on all purchases
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees
  • Overall first year value: $200 ?
  • First year rewards value: $200
  • Other credits and perks: N/A

  • Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
  • Free employee cards
  • No foreign transaction fees
  • Flights don't qualify for bonus cash back
  • High purchase APR

The Capital One Spark Classic for Business is an excellent option for business owners who are building their credit because it offers unlimited 1% cash back rewards without charging an annual fee. Although this is a business credit card, Capital One reports your activity to your personal credit report, so you'll build credit by using the card responsibly. While this card doesn't offer bonus cash back on flights, you do earn extra rewards when booking hotels and rental cars through Capital One Travel. You can also add employees at no extra charge, then set customized spending limits for each card and earn rewards on their purchases.

Best for business travelers

The Platinum Card® from American Express

See Rates & Fees. Terms Apply. On American Express' Secure Website

Earn 80,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership.

$695

See Pay Over Time APR

660 - 850

  • Earn 80,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card®.
  • $240 Digital Entertainment Credit: Get up to $20 back each month on eligible purchases made with your Platinum Card® on one or more of the following: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax. Plus Ups are excluded.
  • American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. There are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
  • Get up to $300 back per calendar year on the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your Platinum Card. Enrollment required. Learn more.
  • Breeze through security with CLEAR® lanes available at 100+ airports, stadiums, and entertainment venues and get up to $189 back per calendar year on your membership when you use your Card. Learn more.
  • $695 annual fee.
  • Terms Apply.
  • Overall first year value: $4,021 ?
  • First year rewards value: $2,008
  • Other credits and perks: $2,013

  • Over $1,500 in valuable annual credits and benefits
  • Complimentary gold elite status with Hilton Honors and Marriott Bonvoy (enrollment required)
  • Earn bonus points on flights booked directly or through Amex Travel
  • Access to the American Express Global Lounge Collection, the largest airline lounge network
  • Premium travel protections for your flight, rental car and other reservations
  • Large annual fee may not be worthwhile for some travelers
  • Difficult to use all annual credits — broken into monthly amounts or offered by vendors catering to small niches
  • Charge card requires that all purchases are paid in full every month
  • Eligible Pay Over Time purchases are charged a high interest rate

For rates and fees of The Platinum Card® from American Express, please click here

Business travelers don't always have access to a company credit card when they travel. In these situations, having The Platinum Card® from American Express is a wise choice. It offers luxury travel benefits and protections that are worth more than its premium annual fee, like trip delay or cancellation, hotel elite status, airport lounge access and more. And it includes over $1,500 in annual credits for travel expenses that improve your travel experience, like up to a $200 hotel credit, up to a $200 airline fee credit*, up to a $189 for CLEAR credit*, and more.

*Enrollment required.

How to choose a business credit card for travel

To choose the best business credit card for travel, you'll need to consider your travel preferences, your spending patterns and which types of travel perks you're likely to use. Here are the key features to look at:

First decide whether you want to earn miles, hotel points or transferable points. For a comprehensive primer on the differences, pros and cons, check out our guide on what credit card points are worth.

A general rule is that transferable points are best for businesses seeking flexibility in how they redeem rewards, while miles or hotel points may work well for frequent travelers loyal to a particular airline or hotel. It is worth noting, however, that airline and hotel business rewards cards often offer automatic elite status with the brand or a boost to help you get status faster.

One of the most important considerations in choosing the best business credit card for you is how you fly and where you stay. This will allow you to eliminate cards right away if you're not already a loyal customer of the brand. If you're extremely loyal to one airline or hotel brand, you might choose a co-branded airline or hotel business travel card. If you prefer to mix things up in how you fly and where you stay, it may be better to choose a general business travel card.

A sign-up bonus is an especially important consideration for a business credit card. Owning a small business or having a side gig means you'll be spending money on business expenses ranging from advertising to office furniture, and that gives you enormous leverage in the points and miles game. A sign-up bonus is a major opportunity to maximize those earnings, so make sure you're getting a generous bonus that offers the most value for the way you travel.

Many business cards offer bonus earnings in popular business spending categories like cable, internet, office supplies and online advertising. Take a look at your business spending from the past year to guesstimate how many points or miles you might earn in that category on a business card. This does require a little legwork, but it could help you to see exactly which business card would allow you to maximize your earnings based on the way you spend in your business.

Many of the best business credit cards for travel include an annual bonus that rewards cardholders for keeping the card year after year. These bonuses include annual free nights, credits for airline fees and other travel expenses, and extra miles or points deposited into your account. Some benefits are included simply for paying your annual fee, while others require cardholders to spend a certain amount to earn them. Take this into consideration when comparing which business credit cards to apply for.

Many of the biggest benefits of the best business travel credit cards come from the travel credits and perks that are included with the card. Complimentary or reduced-price airport lounge access gives travelers a premium place to relax and grab a drink or snack before a flight. Saving time at airport security and U.S. customs is simple with TSA PreCheck and Global Entry, and most of these business travel credit cards reimburse these application fees. And some airline credit cards offer a companion certificate, which allows you to bring a companion along at no charge after you've paid the taxes and fees.

If you ever travel internationally, you'll want to look for a card with no foreign transaction fees. These sneaky fees typically tack about 3% onto each purchase made outside the United States, so they could add significantly to the cost of a business trip.

Many business cards for travel offer some travel insurance, which may include coverage for trip cancellations and delays, lost luggage and rental car liability. The specifics of the coverage offered can vary, so read the fine print and exclusions so you know exactly what is — and isn't — offered on a specific card.

Many business travel credit cards offer other travel-centric perks. These might include free checked bags or upgrades on a co-branded airline business travel card or automatic elite status on a hotel business travel card. And you may be able to reach higher levels of elite status based on your spending each year. Some travel cards also have a concierge service to help you plan your travel or book shows or dining reservations.

Should you use a personal credit card for business travel?

While some business owners are tempted to use a personal credit card for business travel, the best option is to book reservations using your business credit card. A business credit card helps build your business credit score and keeps your personal and business expenses separate. When you commingle your personal and business purchases on one credit card, valid business expenses can get lost. These lost expenses can result in you paying higher taxes and makes it hard to get a clear picture of your business profitability.

Furthermore, while most business credit cards do not post on your personal credit report, a personal credit card does. By using your personal credit cards for business expenses, your credit utilization may be higher than normal, which could negatively affect your credit score. A lower credit score could result in higher interest rates and declined applications on personal credit needs, like a mortgage or an auto loan.

Tip: For businesses that are just starting out, you may not have a business credit card for travel just yet. In that case, you can designate one personal card for your business and avoid using it for any personal charges. Keep in mind that although your new business doesn't have much revenue, many banks allow you to open a business credit card based on your personal income and credit score.

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How to use a business credit card for travel

Now that you've chosen the best business travel credit card for you, let's make sure you know how to maximize its value. Here are six tips for making the most of a business travel card:

  1. Get familiar with the benefits and features. It pays to go over the terms and conditions to find out exactly what your card does — and doesn't — cover. Knowing what's included may help you make decisions, such as whether to purchase extra travel insurance for an upcoming business trip. It'll also prevent you from scrambling to figure out your lost luggage policy while you're standing in an airport with no toiletries or suit for your upcoming business meeting.
  2. Set goals for earning and using points. It's helpful to set a strategy for earning and using points or miles. Decide ahead of time what you're working toward — whether it's a trip to a conference for your team or a well-deserved CEO retreat for yourself — and figure out how many points or miles you'd need to get it. We recommend using a spreadsheet to track your points and the goal needed for your next trip.
  3. Shop ahead of time for award redemptions. Do some browsing before you earn your points or miles to see which rewards redemptions make the most sense for you. If your card has transferable points with a variety of travel partners, it's even more important to do your homework to get the maximum value for your points. Compare the number of miles required for your award trip on various airline partners to see who has the best deal.
  4. Consider pairing your business card with the right personal cards. One of the best ways to maximize rewards earning and redemption is to use a duo or trio of cards that includes a business credit card. Check out our guide to the best credit card combinations to learn more about which personal cards work well with which business travel cards.
  5. Take advantage of little known perks. Some small business travel credit cards offer free travel concierge services to offer recommendations and take administrative chores off your plate, making your trip planning that much easier. These services also may be useful if you're traveling abroad and need translation help ironing out a travel glitch.
  6. Take coverage details and numbers with you. If you plan to rely on your card for car rental or travel insurance, make sure you have the details of coverage and any relevant claims phone numbers with you when you travel. Put this info in your phone and another safe place so you have quick access if you need help.

Frequently asked questions

Yes, you can use rewards earned from the best business credit cards for travel to book personal trips. For business credit cards that earn airline miles and hotel points, those rewards deposit into your personal loyalty accounts, so it is nearly impossible to separate them. Credit card rewards typically are not taxable, so business owners can use them for personal travel without worry.

Although you can use your Social Security number when applying for a business credit card as a sole proprietor, the best approach is to use an Employer Identification Number (EIN) when applying for one of the best business travel credit cards. This helps to build your business's credit history, protects your personal privacy, and keeps your business and personal lives separate. Many banks require business owners to provide a personal guarantee when applying, so you may also need to provide your Social Security number.

While some small business owners use their personal credit cards to make purchases on behalf of their businesses, the best option is to have a dedicated business credit card. Even if your business is just starting, some banks offer credit cards to businesses with little or no revenue. When you use one of the best small business credit cards for travel rewards, you'll earn miles and points on your eligible business expenses.

Methodology

To choose the best business credit cards for travel, we looked at business credit cards available on ValuePenguin as well as top issuer sites. We calculated the value of each card's sign-up bonus and the ongoing rewards based on how much an average cardholder might spend in a card's spending categories, based on U.S. Bureau of Labor statistics. We also added in the value of annual bonuses and perks like companion certificates, free hotel night certificates and travel credits. We considered the annual fee in the overall value and averaged it over two years, to select the cards that offer the most value for small business travelers.

For rates and fees of The Platinum Card® from American Express, please click here

The information related to Delta SkyMiles® Reserve Business American Express Card, The Hilton Honors American Express Business Card, The Business Platinum Card® from American Express, Bank of America® Business Advantage Travel Rewards World Mastercard® credit card, The Blue Business® Plus Credit Card from American Express and Capital One Spark Classic for Business has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).