Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
A business travel credit card can earn you points or miles for your everyday expenses. That means the required spending on your small business or side hustle can give you a boost toward your next trip. Many of the best business credit cards for travel offer added perks, too, like lounge access, free hotel stays or checked bags, and statement credits for Global Entry or Clear fees.
When choosing a business travel card, consider what kind of rewards would work best for you. So-called flat-rate cards give you a fixed number of points or miles for every dollar you spend, while bonus rewards cards give you extra points in specific categories.
General-purpose travel cards give you flexible rewards you can redeem for a variety of travel expenses. By contrast, business credit cards that carry the name of a specific airline or hotel chain, like United or Hilton, offer the best rewards value if redeemed through that brand.
All of our picks for the best business cards are chosen by our editorial team, who follow strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the business card for your company. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features. View our full methodology.
Note: Some of our selections can be applied for through NerdWallet, and some cannot. Below, you’ll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks.
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
A business travel credit card can earn you points or miles for your everyday expenses. That means the required spending on your small business or side hustle can give you a boost toward your next trip. Many of the best business credit cards for travel offer added perks, too, like lounge access, free hotel stays or checked bags, and statement credits for Global Entry or Clear fees.
When choosing a business travel card, consider what kind of rewards would work best for you. So-called flat-rate cards give you a fixed number of points or miles for every dollar you spend, while bonus rewards cards give you extra points in specific categories.
General-purpose travel cards give you flexible rewards you can redeem for a variety of travel expenses. By contrast, business credit cards that carry the name of a specific airline or hotel chain, like United or Hilton, offer the best rewards value if redeemed through that brand.
All of our picks for the best business cards are chosen by our editorial team, who follow strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the business card for your company. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features. View our full methodology.
Note: Some of our selections can be applied for through NerdWallet, and some cannot. Below, you’ll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks.
Here are the best business travel credit cards
| Best for | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
Earning unlimited travel points Capital One Spark Miles for Business Apply now on Capital One's website Rates & Fees | 4.5/5 | $0 intro for the first year, then $95 | 2x-5x Points | 50,000 Points | Apply now on Capital One's website Rates & Fees |
Travel rewards bonus categories + welcome offer Ink Business Preferred® Credit Card Apply now on Chase's website | 4.7/5 | $95 | 1x-3x Points | 90,000 Points | Apply now on Chase's website |
Business travel card with no annual fee Bank of America® Business Advantage Travel Rewards World Mastercard® credit card Apply now on Bank of America's website | 3.6/5 | $0 | 1.5x Points | 30,000 Points | Apply now on Bank of America's website |
Luxury travel perks + airport lounge access The Business Platinum Card® from American Express Apply now on American Express' website Rates & Fees | 4.8/5 | $695 | 1x-5x Points | 150,000 Points | Apply now on American Express' website Rates & Fees |
Airline miles + companion certificate Delta SkyMiles® Reserve Business American Express Card Apply now on American Express' website Rates & Fees | 5.0/5 | $650 | 1x-3x Miles | 80,000 Miles | Apply now on American Express' website Rates & Fees |
Airline miles United℠ Business Card Apply now on Chase's website | 5.0/5 | $0 intro for the first year, then $99 | 1x-2x Miles | 75,000 Miles | Apply now on Chase's website |
Free hotel stays Marriott Bonvoy Business® American Express® Card Apply now on American Express' website Rates & Fees | 4.9/5 | $125 | 2x-6x Points | 50,000 Points | Apply now on American Express' website Rates & Fees |
Hotel rewards + welcome offer The Hilton Honors American Express Business Card Apply now on American Express' website Rates & Fees | 4.8/5 | $195 | 3x-12x Points | 175,000 Points | Apply now on American Express' website Rates & Fees |
Earning points + intro APR period The Blue Business® Plus Credit Card from American Express Apply now on American Express' website Rates & Fees | 4.4/5 | $0 | 1x-2x Points | 15,000 Points | Apply now on American Express' website Rates & Fees |
Cash back on everything, especially travel Capital One Venture X Business Apply now on Capital One's website Rates & Fees | 5.0/5 | $395 | 2x-10x Miles | 150,000 Miles | Apply now on Capital One's website Rates & Fees |
4X points on all travel U.S. Bank Business Altitude™ Connect World Elite Mastercard® Apply now on U.S. Bank's website Rates & Fees | 5.0/5 | $0 intro for the first year, then $95 | 1x-5x Points | 60,000 Points | Apply now on U.S. Bank's website Rates & Fees |
Earning points on gas, transit American Express® Business Gold Card Apply now on American Express' website Rates & Fees | 4.6/5 | $375 | 1x-4x Points | 100,000 Points ⏱️ New elevated offer | Apply now on American Express' website Rates & Fees |
| Best for | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
Earning unlimited travel points Capital One Spark Miles for Business Apply now on Capital One's website Rates & Fees | 4.5/5 | $0 intro for the first year, then $95 | 2x-5x Points | 50,000 Points | Apply now on Capital One's website Rates & Fees |
Travel rewards bonus categories + welcome offer Ink Business Preferred® Credit Card Apply now on Chase's website | 4.7/5 | $95 | 1x-3x Points | 90,000 Points | Apply now on Chase's website |
Business travel card with no annual fee Bank of America® Business Advantage Travel Rewards World Mastercard® credit card Apply now on Bank of America's website | 3.6/5 | $0 | 1.5x Points | 30,000 Points | Apply now on Bank of America's website |
Luxury travel perks + airport lounge access The Business Platinum Card® from American Express Apply now on American Express' website Rates & Fees | 4.8/5 | $695 | 1x-5x Points | 150,000 Points | Apply now on American Express' website Rates & Fees |
Airline miles + companion certificate Delta SkyMiles® Reserve Business American Express Card Apply now on American Express' website Rates & Fees | 5.0/5 | $650 | 1x-3x Miles | 80,000 Miles | Apply now on American Express' website Rates & Fees |
Airline miles United℠ Business Card Apply now on Chase's website | 5.0/5 | $0 intro for the first year, then $99 | 1x-2x Miles | 75,000 Miles | Apply now on Chase's website |
Free hotel stays Marriott Bonvoy Business® American Express® Card Apply now on American Express' website Rates & Fees | 4.9/5 | $125 | 2x-6x Points | 50,000 Points | Apply now on American Express' website Rates & Fees |
Hotel rewards + welcome offer The Hilton Honors American Express Business Card Apply now on American Express' website Rates & Fees | 4.8/5 | $195 | 3x-12x Points | 175,000 Points | Apply now on American Express' website Rates & Fees |
Earning points + intro APR period The Blue Business® Plus Credit Card from American Express Apply now on American Express' website Rates & Fees | 4.4/5 | $0 | 1x-2x Points | 15,000 Points | Apply now on American Express' website Rates & Fees |
Cash back on everything, especially travel Capital One Venture X Business Apply now on Capital One's website Rates & Fees | 5.0/5 | $395 | 2x-10x Miles | 150,000 Miles | Apply now on Capital One's website Rates & Fees |
4X points on all travel U.S. Bank Business Altitude™ Connect World Elite Mastercard® Apply now on U.S. Bank's website Rates & Fees | 5.0/5 | $0 intro for the first year, then $95 | 1x-5x Points | 60,000 Points | Apply now on U.S. Bank's website Rates & Fees |
Earning points on gas, transit American Express® Business Gold Card Apply now on American Express' website Rates & Fees | 4.6/5 | $375 | 1x-4x Points | 100,000 Points ⏱️ New elevated offer | Apply now on American Express' website Rates & Fees |
I'M INTERESTED IN:
Our pick for
Earning unlimited travel points
Annual fee
$0 intro for the first year, then $95
Rewards rate
2x-5x Points
Intro offer
50,000 Points
Pros
- High rewards rate
- No minimum redemption amount
Cons
- Has annual fee
- No Intro APR period
- High APR
- 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
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- 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
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
View Rates & Fees
Our pick for
Travel rewards bonus categories + welcome offer
Ink Business Preferred® Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
90,000 Points
Pros
- New cardholder bonus offer
- Bonus categories
- Transfer partners
Cons
- Has annual fee
- No intro APR offer
Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
90,000 Points
Pros
- New cardholder bonus offer
- Bonus categories
- Transfer partners
Cons
- Has annual fee
- No intro APR offer
- Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Travel℠
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Our pick for
Business travel card with no annual fee
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Read Review
Apply now
on Bank of America's website
Annual fee
$0
Rewards rate
1.5x Points
Intro offer
30,000 Points
Pros
- No annual fee
- New cardholder bonus offer
- No reward caps
- No foreign transaction fees
Cons
- Requires excellent credit
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Apply now
on Bank of America's website
Annual fee
$0
Rewards rate
1.5x Points
Intro offer
30,000 Points
Pros
- No annual fee
- New cardholder bonus offer
- No reward caps
- No foreign transaction fees
Cons
- Requires excellent credit
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No limit to the amount of points you can earn and points don't expire as long as your account remains open.
- No annual fee and no international transaction fees.
- Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 17.74% to 27.74% will apply.
- 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.
Our pick for
Luxury travel perks + airport lounge access
Annual fee
$695
Rewards rate
1x-5x Points
Intro offer
150,000 Points
Pros
- Lounge membership
- Transfer partners
- Bonus categories
- Automatic elite status
- Premium travel protections
Cons
- High annual fee
- Complicated rewards
- Requires good/excellent credit
- Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
- 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 each eligible purchase 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, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
- $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 the Card.
- $199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
- $695 Annual Fee.
- Terms Apply.
View Rates & Fees
Our pick for
Airline miles + companion certificate
Annual fee
$650
Rewards rate
1x-3x Miles
Intro offer
80,000 Miles
Pros
- High rewards rate
- Luxury perks
- Lounge membership
- Companion benefit
Cons
- Has annual fee
- Requires good/excellent credit
- Welcome Offer: Earn 80,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.
- Enter Delta Sky Club® at no cost. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
- Earn 3 miles per dollar on eligible Delta purchases.
- Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card.
- Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
- With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
- Earn up to $10 back each month after using your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers.
- Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
- Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
- As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
- When you purchase a Delta flight with your Delta SkyMiles® Reserve Business Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.
- Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
- Elevate your travel experience with an annual statement credit of up to $250 after using your Delta SkyMiles® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Enjoy travel without foreign transaction fees from American Express with your Delta SkyMiles® Reserve Business American Express Card.
- Terms and limitations apply.
View Rates & Fees
Our pick for
Airline miles
United℠ Business Card
Read Review
Apply now
on Chase's website
Annual fee
$0 intro for the first year, then $99
Rewards rate
1x-2x Miles
Intro offer
75,000 Miles
Pros
- Free checked bag
- Lounge membership
- Anniversary perk
Cons
- Has annual fee
- Rewards have limited flexibility
Annual fee
$0 intro for the first year, then $99
Rewards rate
1x-2x Miles
Intro offer
75,000 Miles
Pros
- Free checked bag
- Lounge membership
- Anniversary perk
Cons
- Has annual fee
- Rewards have limited flexibility
- 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.
- 2x miles on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
- 1x mile 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.
- Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
- Enjoy a free first checked bag - a savings of up to $160 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
- $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
- Member FDIC
Our pick for
Free hotel stays
Annual fee
$125
Rewards rate
2x-6x Points
Intro offer
50,000 Points
Pros
- Anniversary perk
- High rewards rate
- Automatic elite status
Cons
- Has annual fee
- Rewards have limited flexibility
- Lower acceptance abroad
- 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.
- Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
- 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
- 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
- 2x points on all other eligible purchases.
- Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Marriott Bonvoy Business® American Express® Card.
- Terms apply.
View Rates & Fees
Our pick for
Hotel rewards + welcome offer
Annual fee
$195
Rewards rate
3x-12x Points
Intro offer
175,000 Points
Pros
- High rewards rate
- Automatic elite status
- Luxury perks
Cons
- Has annual fee
- No free anniversary night
- Limited Time Offer: Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 1/8/2025.
- Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
- Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter.
- Get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card.
- Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors Gold status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay getting you to free nights faster.
- You may receive an upgrade to Hilton Honors Diamond status through the end of the calendar year if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more.
- As a Hilton Honors American Express Business Card Member, you can enroll to receive complimentary National Car Rental® Emerald Club Executive® status through the link on your American Express online account. After you’re enrolled, you can reserve a rental car by calling National Car Rental directly, using your travel service, or by booking online or through the National Car Rental mobile app. Terms apply.
- Terms apply.
View Rates & Fees
Our pick for
Earning points + intro APR period
Annual fee
$0
Rewards rate
1x-2x Points
Intro offer
15,000 Points
Pros
- No annual fee
- High rewards rate
- Intro APR period
- Transfer partners
Cons
- Spending caps on bonus rewards
- Requires good/excellent credit
- 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.
- 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. APR will not exceed 29.99%
- Earn 2X 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. Terms and limitations apply.
- You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply.
View Rates & Fees
Our pick for
Cash back on everything, especially travel
Annual fee
$395
Rewards rate
2x-10x Miles
Intro offer
150,000 Miles
Pros
- Lounge membership
- High rewards rate
- Welcome offer
Cons
- High annual fee
- Requires excellent credit
- Balance must be paid in full every month
- Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
- Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
- Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Travel, where you'll get the best prices on thousands of options
- With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
- Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
- Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings through Capital One Travel
- Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and membership to Priority Pass through the Partner Lounge Network
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- This is a pay-in-full card, so your balance is due in full every month
View Rates & Fees
Our pick for
4X points on all travel
Annual fee
$0 intro for the first year, then $95
Rewards rate
1x-5x Points
Intro offer
60,000 Points
Pros
- Bonus categories
- Welcome offer
- Annual fee waived for the first year
Cons
- Requires good/excellent credit
- No intro APR offer
- Introducing the U.S. Bank Business Altitude Connect™ World Elite Mastercard®, the business travel card that's 5X more rewarding.
- Limited Time Offer: Earn 60,000 bonus points, worth $600 if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center.
- Earn 4X points on travel, gas and EV charging stations* on the first $150,000 in combined annual spend (*excludes discount stores/supercenters and wholesale clubs).
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- Earn a $25 statement credit for every three consecutive monthly taxi or rideshare trips.
- $0 intro annual fee for the first year, $95 per year thereafter.
- Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
- Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,300 VIP lounges worldwide, plus four complimentary visits per membership year.
- Terms and conditions apply.
View Rates & Fees
Our pick for
Earning points on gas, transit
Annual fee
$375
Rewards rate
1x-4x Points
Intro offer
100,000 Points
⏱️ New elevated offer
Pros
- Bonus categories
- Transfer partners
- Luxury perks
Cons
- Has annual fee
- Complicated rewards
- Spending caps on bonus rewards
- Requires good/excellent credit
- Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.74% to 27.74% variable APR.*
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
- Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
- 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.
- *Terms Apply
View Rates & Fees
Before applying, confirm details on the issuer’s website.
Capital One Venture X Business
Best for: Cash back on everything, especially travel
NerdWallet star rating:
5
The
Capital One Venture X Business
offers some of the highest travel rewards rates around and a solid cash-back rate on everything else: Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Travel, where you'll get the best prices on thousands of options. Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions.
This is a charge card, so it doesn't come with a preset spending limit — but you'll have to pay it off in full every month. If you can swing that (plus the $395
annual fee), it could be a valuable addition to your wallet. (See rates and fees.) Learn more and apply.U.S. Bank Business Altitude™ Connect World Elite Mastercard®
Best for: 4X points on all travel
NerdWallet star rating:
5
The
U.S. Bank Business Altitude™ Connect World Elite Mastercard®
delivers impressive rewards on travel, no matter where you book it. You'll earn 4x points on your first $150,000 in combined annual travel spend each year — plus, 5x points on hotels and rental cars booked directly with U.S. Bank's Rewards Portal. There's also a solid welcome offer and no annual fee for the first year ($95
after that). Learn more and apply.American Express® Business Gold Card
Best for: Earning points on gas, transit
NerdWallet star rating:
4.6
The rewards on the
American Express® Business Gold Card
adjust according to your spending. You automatically earn bonus rewards in the top two eligible categories where you spend the most each month. That can translate into outstanding rewards, as long as your business spends money in those categories. If it doesn't, the steep annual fee probably isn't worth it. The card has six bonus categories: advertising, gas stations, restaurants, software, transit and wireless telephone service. Only purchases made in the U.S. qualify for bonus categories. Learn more and apply.The Business Platinum Card® from American Express
Best for: Luxury travel perks + airport lounge access
NerdWallet star rating:
4.8
The Business Platinum Card® from American Express
comes with a big annual fee. But business travelers who prefer to go in style will find plenty that appeals to them: high rewards on certain travel purchases, bonus rewards on larger nontravel purchases, a superb newcomer welcome offer, extensive airport lounge access, elite hotel status, hundreds of dollars a year in available credits and a list of perks as long as your arm. It's not cheap, but luxury never is. Terms apply. Learn more and apply. Delta SkyMiles® Reserve Business American Express Card
Best for: Airline miles + companion certificate
NerdWallet star rating:
5
If your business has you on the road a lot, you'll appreciate the airport lounge access on the
Delta SkyMiles® Reserve Business American Express Card
, which includes both Delta's own Sky Clubs and American Express's Centurion Lounges when flying Delta. The annual companion certificate — which is good even in first class — and the checked-bag benefit add considerable value, too. Terms apply. Learn more and apply. United℠ Business Card
Best for: Airline miles
NerdWallet star rating:
5
The
United℠ Business Card
is a stand-out option for frequent business flyers, particularly those loyal to United. Cardholders earn rewards on everyday spending, like dining, gas stations and transit. A sign-up bonus, plus no annual fee for the first year, sweeten the pot. Learn more and apply. Marriott Bonvoy Business® American Express® Card
Best for: Free hotel stays
NerdWallet star rating:
4.9
The
Marriott Bonvoy Business® American Express® Card
can pay for itself just with the automatic Free Night Award every year. Add in the included elite status, generous rewards, a dandy welcome offer and more, and it's hard to go wrong. Terms apply. Learn more and apply. Ink Business Preferred® Credit Card
Best for: Travel rewards bonus categories + welcome offer
NerdWallet star rating:
4.7
The
Ink Business Preferred® Credit Card
starts you off with one of the biggest sign-up bonuses of any credit card anywhere: Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
You also get bonus rewards on travel expenses and common business spending categories, like advertising, shipping and internet, cable and phone service. Points are worth 25% more when redeemed for travel booked through Chase, or you can transfer them to about a dozen airline and hotel partners. Learn more and apply. The Hilton Honors American Express Business Card
Best for: Hotel rewards + welcome offer
NerdWallet star rating:
4.8
The Hilton Honors American Express Business Card
is an outstanding small-business hotel credit card — if you frequent Hilton properties. The card features rich ongoing rewards, automatic elite status with Hilton and an annual statement credit for purchases at Hilton properties. But there's no free night award (a standard perk of hotel cards with annual fees) and AmEx scrapped the card's complimentary Priority Pass perk. Terms apply. Learn more and apply.Capital One Spark Miles for Business
Best for: Earning unlimited travel points
NerdWallet star rating:
4.5
The
Capital One Spark Miles for Business
earns 5 miles per dollar on hotels and car rentals booked through Capital One Travel and 2 miles per dollar on all other purchases. Miles can be redeemed at a value of 1 cent apiece for any travel purchase, without the blackout dates and other restrictions of branded hotel and airline cards. The card offers a great sign-up bonus, too. (See rates and fees.) Learn more and apply.The Blue Business® Plus Credit Card from American Express
Best for: Earning points + intro APR period
NerdWallet star rating:
4.4
The Blue Business® Plus Credit Card from American Express
is one of the only points cards that also has an intro APR period, giving business owners more wiggle room with cash flow. This card earns 1x-2x
Membership Rewards points for every $1 spent. Those points have a base value of 1 cent per point when redeemed for travel but can be worth even more if redeemed through one of AmEx's transfer partners. Learn more and apply.Bank of America® Business Advantage Travel Rewards World Mastercard®
Best for: No annual fee business travel card
NerdWallet star rating:
3.6
The
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
pays solid rewards on every purchase and gives you wide flexibility in redeeming your points for any travel purchase, without the restrictions of branded airline and hotel cards. Learn more and apply.Capital One® Spark® Miles Select for Business
Best for: Travel rewards with no annual fee
NerdWallet star rating:
3.7
The
Capital One® Spark® Miles Select for Business
is the $0
-annual-fee version* of the Capital One Spark Miles for Business
. It comes with a lower rewards rate: 1.5 miles per dollar spent, with miles redeemable for any travel purchase. The bonus offer is smaller, too: Earn a one-time bonus of 20,000 miles - equal to $200 in travel - once you spend $3,000 on purchases within the first 3 months from account opening
.1. Decide between general or co-branded
Want flexible rewards that are easy to redeem? General business travel cards, like the
Ink Business Preferred® Credit Card
and the Capital One Spark Miles for Business
, offer travel points that you can cash in for flights, rental cars and hotel stays. You can also transfer points to select airline and hotel loyalty programs.Loyal to a specific airline or hotel chain? Consider a co-branded airline or hotel business card. You’ll earn the most rewards — and get the most juice for points — with that specific brand, whether it be Hilton, United or Southwest.
2. Factor in added perks
Business travel cards deliver more than just miles or points. Some of the top options also include perks that can make your business travel more comfortable.
If you're in an airport more than an office, for example, a business travel card with free checked bags or statement credits for travel costs and/or trusted traveler programs (Global Entry, TSA PreCheck, Nexxus and Clear) can save you time and money. A business credit card with airport lounge access can make the time spent waiting for flights more comfortable, too.
Automatic elite status — a perk of most hotel cards — can be a draw for frequent hotel guests, particularly when that status means complimentary room upgrades and late checkout.
3. Weigh the annual fee
The annual fee for a business travel card can range from $95 to $695 per year, and, generally speaking, the higher the fee the richer the rewards.
The Business Platinum Card® from American Express
, for example, includes statement credits for airline incidental fees and Dell purchases. Plus lounge access and statement credits for TSA Precheck or Global Entry. These benefits can offset the card’s $695
annual fee — but only if you actually use them.Can’t stomach an annual fee? The
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
is one of the few business credit cards for travel with no annual fee. And most cash-back business cards have no annual fee.🤓 Nerdy Tip
The annual fee on your business credit card can be tax deductible if you use the card exclusively for business purposes.The
Ink Business Preferred® Credit Card
is the best business card for points and airline miles. You earn 3 points per $1 on the first $150,000 spent on all travel — flights, hotels, rental cars, etc. — as well as other common business expenses. And those points are worth 25% more when redeemed for travel through the Chase Rewards Portal. Plus, there’s the welcome offer:
Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Business travelers loyal to a specific airline can quickly rack up airline miles and status with a co-branded airline business card, like the
United℠ Business Card
or the Southwest® Rapid Rewards® Performance Business Credit Card
. These cards offer perks beyond airline miles, including things like free checked bags, in-flight discounts, companion certificates and statement credits, depending on the card.To view rates and fees of
The Business Platinum Card® from American Express
, see this page. To view rates and fees of the American Express® Business Gold Card
, see this page. To view rates and fees of the Delta SkyMiles® Reserve Business American Express Card
, see this page. To view rates and fees of the Marriott Bonvoy Business® American Express® Card
, see this page.To view rates and fees of The Hilton Honors American Express Business Card
, see this page. To view rates and fees of The Blue Business® Plus Credit Card from American Express
, see this page. Information related to the
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
has been collected by NerdWallet and has not been reviewed or provided by the issuer of this card. *Information related to the Capital One® Spark® Miles Select for Business has been collected by NerdWallet and has not been reviewed or provided by the issuer of this card.
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Methodology
NerdWallet's Credit Cards team selects the best credit cards for small business based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of small-business operators. Factors in our evaluation include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as special financing arrangements, free cards for employees or tools for managing business expenses. Learn more about how we rate business business credit cards.