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Best Business Travel Credit Cards of December 2023

Last updated on November 21, 2023
Edited byRyan Lane
Fact checked and reviewed

⏰ Estimated read time: 8 minutes

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.

The spending required to keep your small business or side hustle humming can also give you a boost toward your next trip — if you put those expenses on a business travel credit card that gives you points or miles for your purchases. Many of the top business travel cards 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 selections for the best travel business cards are chosen by our editorial team, which independently evaluates and rates cards based on fees, rewards rates and redemption options, among numerous other factors.
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.

Looking for a business credit card?

See our overall favorites, or choose your business type to find the best options for you.

Our top overall picks

on Nerdwallet's secure site

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.

The spending required to keep your small business or side hustle humming can also give you a boost toward your next trip — if you put those expenses on a business travel credit card that gives you points or miles for your purchases. Many of the top business travel cards 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 selections for the best travel business cards are chosen by our editorial team, which independently evaluates and rates cards based on fees, rewards rates and redemption options, among numerous other factors.
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.

Looking for a business credit card?

See our overall favorites, or choose your business type to find the best options for you.

Our top overall picks

on Nerdwallet's secure site

Here are the best business travel credit cards from our partners

Credit cardNerdWallet ratingAnnual feeRewards rateIntro offerLearn more

Capital One Spark Miles for Business

Apply now

on Capital One's website

Rates & Fees

4.7/5

Best for Earning unlimited travel points

$0 intro for the first year, then $95

2x-5x

Points

50,000

Points

Apply now

on Capital One's website

Rates & Fees

Ink Business Preferred® Credit Card

Apply now

on Chase's website

5.0/5

Best for Travel rewards bonus categories + welcome offer

$95

1x-3x

Points

100,000

Points

Apply now

on Chase's website

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

Apply now

on Bank of America's website

3.7/5

Best for Business travel card with no annual fee

$0

1.5x

Points

30,000

Points

Apply now

on Bank of America's website

The Business Platinum Card® from American Express

Apply now

on American Express' website

Rates & Fees

5.0/5

Best for Business credit card with airport lounge access

$695

1x-5x

Points

120,000

Points

Apply now

on American Express' website

Rates & Fees

Delta SkyMiles® Reserve Business American Express Card

Apply now

on American Express' website

Rates & Fees

5.0/5

Best for Airline miles + companion certificate

$550

1x-3x

Miles

70,000

Miles

Apply now

on American Express' website

Rates & Fees

United℠ Business Card

Apply now

on Chase's website

5.0/5

Best for Airline miles

$0 intro for the first year, then $99

1x-2x

Miles

50,000

Miles

Apply now

on Chase's website

Marriott Bonvoy Business® American Express® Card

Apply now

on American Express' website

Rates & Fees

4.1/5

Best for Free hotel stays

$125

2x-6x

Points

N/A

Apply now

on American Express' website

Rates & Fees

The Hilton Honors American Express Business Card

Apply now

on American Express' website

Rates & Fees

5.0/5

Best for Hotel rewards + welcome offer

$95

3x-12x

Points

130,000

Points

Apply now

on American Express' website

Rates & Fees

The Blue Business® Plus Credit Card from American Express

Apply now

on American Express' website

Rates & Fees

4.9/5

Best for Earning points + intro APR period

$0

1x-2x

Points

15,000

Points

Apply now

on American Express' website

Rates & Fees

Capital One Venture X Business

Apply now

on Capital One's website

Rates & Fees

5.0/5

Best for Cash back on everything, especially travel

$395

2x-10x

Miles

150,000

Miles

Apply now

on Capital One's website

Rates & Fees

Credit cardNerdWallet ratingAnnual feeRewards rateIntro offerLearn more

Capital One Spark Miles for Business

Apply now

on Capital One's website

Rates & Fees

4.7/5

Best for Earning unlimited travel points

$0 intro for the first year, then $95

2x-5x

Points

50,000

Points

Apply now

on Capital One's website

Rates & Fees

Ink Business Preferred® Credit Card

Apply now

on Chase's website

5.0/5

Best for Travel rewards bonus categories + welcome offer

$95

1x-3x

Points

100,000

Points

Apply now

on Chase's website

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

Apply now

on Bank of America's website

3.7/5

Best for Business travel card with no annual fee

$0

1.5x

Points

30,000

Points

Apply now

on Bank of America's website

The Business Platinum Card® from American Express

Apply now

on American Express' website

Rates & Fees

5.0/5

Best for Business credit card with airport lounge access

$695

1x-5x

Points

120,000

Points

Apply now

on American Express' website

Rates & Fees

Delta SkyMiles® Reserve Business American Express Card

Apply now

on American Express' website

Rates & Fees

5.0/5

Best for Airline miles + companion certificate

$550

1x-3x

Miles

70,000

Miles

Apply now

on American Express' website

Rates & Fees

United℠ Business Card

Apply now

on Chase's website

5.0/5

Best for Airline miles

$0 intro for the first year, then $99

1x-2x

Miles

50,000

Miles

Apply now

on Chase's website

Marriott Bonvoy Business® American Express® Card

Apply now

on American Express' website

Rates & Fees

4.1/5

Best for Free hotel stays

$125

2x-6x

Points

N/A

Apply now

on American Express' website

Rates & Fees

The Hilton Honors American Express Business Card

Apply now

on American Express' website

Rates & Fees

5.0/5

Best for Hotel rewards + welcome offer

$95

3x-12x

Points

130,000

Points

Apply now

on American Express' website

Rates & Fees

The Blue Business® Plus Credit Card from American Express

Apply now

on American Express' website

Rates & Fees

4.9/5

Best for Earning points + intro APR period

$0

1x-2x

Points

15,000

Points

Apply now

on American Express' website

Rates & Fees

Capital One Venture X Business

Apply now

on Capital One's website

Rates & Fees

5.0/5

Best for Cash back on everything, especially travel

$395

2x-10x

Miles

150,000

Miles

Apply now

on Capital One's website

Rates & Fees

I'M INTERESTED IN:

Our pick for

Earning unlimited travel points

Capital One Spark Miles for Business

Read Review
Apply now

on Capital One's website

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

Capital One Spark Miles for Business

NerdWallet rating 

4.7/5
Apply now

on Capital One's website

Annual fee
$0 intro for the first year, then $95
Rewards rate
2x-5x Points
Intro offer
50,000 Points

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
100,000 Points

Pros

  • New cardholder bonus offer
  • Bonus categories
  • Transfer partners

Cons

  • Has annual fee
  • No intro APR offer

Ink Business Preferred® Credit Card

NerdWallet rating 

5.0/5
Apply now

on Chase's website

Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
100,000 Points

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

NerdWallet rating 

3.7/5
Apply now

on Bank of America's website

Annual fee
$0
Rewards rate
1.5x Points
Intro offer
30,000 Points

Our pick for

Business credit card with airport lounge access

The Business Platinum Card® from American Express

Read Review
Apply now

on American Express' website

Annual fee
$695
Rewards rate
1x-5x Points
Intro offer
120,000 Points

Pros

  • Lounge membership
  • Transfer partners
  • Bonus categories
  • Automatic elite status
  • Premium travel protections

Cons

  • High annual fee
  • Complicated rewards
  • Requires good/excellent credit

The Business Platinum Card® from American Express

NerdWallet rating 

5.0/5
Apply now

on American Express' website

Annual fee
$695
Rewards rate
1x-5x Points
Intro offer
120,000 Points

Our pick for

Airline miles + companion certificate

Delta SkyMiles® Reserve Business American Express Card

Read Review
Apply now

on American Express' website

Annual fee
$550
Rewards rate
1x-3x Miles
Intro offer
70,000 Miles

Pros

  • High rewards rate
  • Luxury perks
  • Lounge membership
  • Companion benefit

Cons

  • Has annual fee
  • Requires good/excellent credit

Delta SkyMiles® Reserve Business American Express Card

NerdWallet rating 

5.0/5
Apply now

on American Express' website

Annual fee
$550
Rewards rate
1x-3x Miles
Intro offer
70,000 Miles

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
50,000 Miles

Pros

  • Free checked bag
  • Lounge membership
  • Anniversary perk

Cons

  • Has annual fee
  • Rewards have limited flexibility

United℠ Business Card

NerdWallet rating 

5.0/5
Apply now

on Chase's website

Annual fee
$0 intro for the first year, then $99
Rewards rate
1x-2x Miles
Intro offer
50,000 Miles

Our pick for

Free hotel stays

Marriott Bonvoy Business® American Express® Card

Read Review
Apply now

on American Express' website

Annual fee
$125
Rewards rate
2x-6x Points
Intro offer
N/A

Pros

  • Anniversary perk
  • High rewards rate
  • Automatic elite status

Cons

  • Has annual fee
  • Rewards have limited flexibility
  • Lower acceptance abroad

Marriott Bonvoy Business® American Express® Card

NerdWallet rating 

4.1/5
Apply now

on American Express' website

Annual fee
$125
Rewards rate
2x-6x Points
Intro offer
N/A

Our pick for

Hotel rewards + welcome offer

The Hilton Honors American Express Business Card

Read Review
Apply now

on American Express' website

Annual fee
$95
Rewards rate
3x-12x Points
Intro offer
130,000 Points

Pros

  • High rewards rate
  • Automatic elite status
  • Luxury perks

Cons

  • Has annual fee
  • No free anniversary night

The Hilton Honors American Express Business Card

NerdWallet rating 

5.0/5
Apply now

on American Express' website

Annual fee
$95
Rewards rate
3x-12x Points
Intro offer
130,000 Points

Our pick for

Earning points + intro APR period

The Blue Business® Plus Credit Card from American Express

Read Review
Apply now

on American Express' website

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

The Blue Business® Plus Credit Card from American Express

NerdWallet rating 

4.9/5
Apply now

on American Express' website

Annual fee
$0
Rewards rate
1x-2x Points
Intro offer
15,000 Points

Our pick for

Cash back on everything, especially travel

Capital One Venture X Business

Read Review
Apply now

on Capital One's website

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

Capital One Venture X Business

NerdWallet rating 

5.0/5
Apply now

on Capital One's website

Annual fee
$395
Rewards rate
2x-10x Miles
Intro offer
150,000 Miles

NerdWallet's editorial picks: Best travel credit cards for business

Click the card name to read our review. Before applying, confirm details on the issuer’s website.
Best for: Travel rewards bonus categories + welcome offer
The
Ink Business Preferred® Credit Card
starts you off with one of the biggest sign-up bonuses of any credit card anywhere:
Earn 100k bonus points after you spend $8,000 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®.
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.
Best for: Earning unlimited travel points
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.
Best for: Business travel card with no annual fee
This is the business version of the issuer's excellent no-annual-fee travel card. 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.
Best for: Business credit card with airport lounge access
Like the consumer version of this card,
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 non-travel 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.
Best for: Travel rewards with no annual fee
The
Capital One® Spark® Miles Select for Business
is the
$0
-annual-fee version* of Capital One's business travel card. 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
.
Best for: Airline miles + companion certificate
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.
Best for: Airline miles
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.
Best for: Free hotel stays
The
Marriott Bonvoy Business® American Express® Card
can pay for itself just with the automatic free night's stay every year. Add in automatic elite status, generous rewards, a dandy welcome offer and more, and it's hard to go wrong. Terms apply. Learn more and apply.
Best for: Hotel rewards + welcome offer
The Hilton Honors American Express Business Card
is an outstanding small-business hotel credit card — though a little unusual. It comes with rich ongoing rewards, automatic elite status with Hilton and 10 free visits to select airport lounges each year (a rare perk for hotel cards). Rather than automatically granting a free night each year, like most hotel cards with annual fees, you have to spend at least $15,000 per calendar year to earn a free weekend night. Terms apply. Learn more and apply.
Best for: Earning points + intro APR period
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.
Best for: Cash back on everything, especially travel
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 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 pre-set 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.

How to choose a business travel credit card

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 ($200 per year) and Dell purchases (up to $400 per year). 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.

What is the best business credit card for airline miles?

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 100k bonus points after you spend $8,000 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®.
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.

Other business travel cards to consider

To view rates and fees of
The Business Platinum Card® from American Express
, 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.
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.
Last updated on November 21, 2023

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.