Best Business Travel Credit Cards of September 2025

We looked at 30 business travel credit cards to find the best options. Our top picks not only earn you points and miles — you also get perks like airport lounge access and free hotel stays.

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Capital One Venture X Business

Annual fee
$395

Rewards rate
2x-10x

Miles

Intro offer
150,000

Miles

on Capital One's website

Rates & Fees

Capital One Venture X Business

Annual fee
$395

Rewards rate
2x-10x

Miles

Intro offer
150,000

Miles

on Capital One's website

Rates & Fees

Ink Business Preferred® Credit Card

Annual fee
$95

Rewards rate
1x-3x

Points

Intro offer
90,000

Points

on Chase's website

Rates & Fees

Ink Business Preferred® Credit Card

Annual fee
$95

Rewards rate
1x-3x

Points

Intro offer
90,000

Points

on Chase's website

Rates & Fees

Capital One Spark Miles for Business

Annual fee
$0 intro for the first year, then $95

Rewards rate
2x-5x

Miles

Intro offer
50,000

Miles

on Capital One's website

Rates & Fees

Capital One Spark Miles for Business

Annual fee
$0 intro for the first year, then $95

Rewards rate
2x-5x

Miles

Intro offer
50,000

Miles

on Capital One's website

Rates & Fees

Best of awards Nerdwallet's badge 2025 BEST CREDIT CARD SMALL BUSINESS

Ink Business Unlimited® Credit Card

Annual fee
$0

Rewards rate
1.5%

Cashback

Intro offer
$900

on Chase's website

Rates & Fees

Best of awards Nerdwallet's badge

2025 BEST CREDIT CARD

SMALL BUSINESS

Ink Business Unlimited® Credit Card

Annual fee
$0

Rewards rate
1.5%

Cashback

Intro offer
$900

on Chase's website

Rates & Fees

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

Annual fee
$0

Rewards rate
1.5%

Cashback

Intro offer
$300

on Bank of America's website

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

Annual fee
$0

Rewards rate
1.5%

Cashback

Intro offer
$300

on Bank of America's website

Ink Business Cash® Credit Card

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$900

on Chase's website

Rates & Fees

Ink Business Cash® Credit Card

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$900

on Chase's website

Rates & Fees

U.S. Bank Triple Cash Rewards Visa® Business Card

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$500

on U.S. Bank's website

Rates & Fees

U.S. Bank Triple Cash Rewards Visa® Business Card

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$500

on U.S. Bank's website

Rates & Fees

Capital One Spark Cash Plus

Annual fee
$150

Rewards rate
2%-5%

Cashback

Intro offer
$2,000

on Capital One's website

Rates & Fees

Capital One Spark Cash Plus

Annual fee
$150

Rewards rate
2%-5%

Cashback

Intro offer
$2,000

on Capital One's website

Rates & Fees

Capital One Spark Cash

Annual fee
$0 intro for the first year, then $95

Rewards rate
2%-5%

Cashback

Intro offer
$1,000

on Capital One's website

Rates & Fees

Capital One Spark Cash

Annual fee
$0 intro for the first year, then $95

Rewards rate
2%-5%

Cashback

Intro offer
$1,000

on Capital One's website

Rates & Fees

Ramp Card

Annual fee
$0

Rewards rate
1%-1.5%

Cashback

Intro offer
$500

on Ramp's website

Ramp Card

Annual fee
$0

Rewards rate
1%-1.5%

Cashback

Intro offer
$500

on Ramp's website

Brex Card

Annual fee
$0

Rewards rate
1x-7x

Points

Intro offer
10,000

Points

on Brex's website

Brex Card

Annual fee
$0

Rewards rate
1x-7x

Points

Intro offer
10,000

Points

on Brex's website

BILL Divvy Corporate Card

Annual fee
$0

Rewards rate
1x-7x

Points

Intro offer
N/A

on BILL Spend & Expense's website

BILL Divvy Corporate Card

Annual fee
$0

Rewards rate
1x-7x

Points

Intro offer
N/A

on BILL Spend & Expense's website

Capital on Tap Business Credit Card

Annual fee
$0

Rewards rate
1.5%

Intro offer
N/A

on Capital on Tap's website

Capital on Tap Business Credit Card

Annual fee
$0

Rewards rate
1.5%

Intro offer
N/A

on Capital on Tap's website

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Best credit cards for business travel

Here are our complete picks, in alphabetical order:
  • American Express® Business Gold Card: Best for earning points on gas, transit.
  • Bank of America® Business Advantage Travel Rewards World Mastercard® credit card: Best for business travel card with no annual fee.
  • Brex Card: Best corporate travel rewards card (venture-backed startups).
  • Capital One Spark Miles for Business: Best for unlimited 2X points on all spending (see ).
  • Capital One Venture X Business: Best premium business travel card.
  • Citi® / AAdvantage Business™ World Elite Mastercard®: Best for American Airlines rewards.
  • Delta SkyMiles® Reserve Business American Express Card: Best for airline miles + companion certificate.
  • Ink Business Preferred® Credit Card: Best low-fee business travel card.
  • Marriott Bonvoy Business® American Express® Card: Best for free hotel stays.
  • Sapphire Reserve for Business℠: Best welcome bonus.
  • Southwest® Rapid Rewards® Performance Business Credit Card: Best for earning status on Southwest.
  • The Blue Business® Plus Credit Card from American Express: Best for long intro APR period.
  • The Business Platinum Card® from American Express: Best for luxury travel perks + airline lounge access.
  • The Hilton Honors American Express Business Card: Best for hotel rewards + welcome offer.
  • The New United℠ Business Card: Best entry-level card for airline miles.
  • U.S. Bank Business Altitude® Connect Visa Signature® Card: Best for 4X points on all travel.
  • U.S. Bank Business Altitude® Power Visa Signature® Card: Best for 2X points on all spending.
You can apply for the cards highlighted below via NerdWallet's partners. Those relationships do not influence our editorial team's selections. Our small-business writers and editors chose the best business travel credit cards based on their independent research and ratings.

Capital One Venture X Business

Best for Premium business travel card

Annual fee
$395

Rewards rate
2x-10x

Miles

Intro offer
150,000

Miles

on Capital One's website

Rates & Fees

Capital One Venture X Business

Best for Premium business travel card

Annual fee
$395

Rewards rate
2x-10x

Miles

Intro offer
150,000

Miles

on Capital One's website

Rates & Fees

Capital One Spark Miles for Business

Best for Unlimited 2X points on all spending

Annual fee
$0 intro for the first year, then $95

Rewards rate
2x-5x

Miles

Intro offer
50,000

Miles

on Capital One's website

Rates & Fees

Capital One Spark Miles for Business

Best for Unlimited 2X points on all spending

Annual fee
$0 intro for the first year, then $95

Rewards rate
2x-5x

Miles

Intro offer
50,000

Miles

on Capital One's website

Rates & Fees

The Business Platinum Card® from American Express

Best for Luxury travel perks + airport lounge access

Annual fee
$695

Rewards rate
1x-5x

Points

Intro offer
150,000

Points

on American Express' website

Rates & Fees

The Business Platinum Card® from American Express

Best for Luxury travel perks + airport lounge access

Annual fee
$695

Rewards rate
1x-5x

Points

Intro offer
150,000

Points

on American Express' website

Rates & Fees

Ink Business Preferred® Credit Card

Best for Low-fee business travel card

Annual fee
$95

Rewards rate
1x-3x

Points

Intro offer
90,000

Points

on Chase's website

Rates & Fees

Ink Business Preferred® Credit Card

Best for Low-fee business travel card

Annual fee
$95

Rewards rate
1x-3x

Points

Intro offer
90,000

Points

on Chase's website

Rates & Fees

Sapphire Reserve for Business℠

Best for Welcome bonus

Annual fee
$795

Rewards rate
1x-8x

Points

Intro offer
200,000

Points

on Chase's website

Rates & Fees

Sapphire Reserve for Business℠

Best for Welcome bonus

Annual fee
$795

Rewards rate
1x-8x

Points

Intro offer
200,000

Points

on Chase's website

Rates & Fees

The Blue Business® Plus Credit Card from American Express

Best for Long intro APR period

Annual fee
$0

Rewards rate
1x-2x

Points

Intro offer
15,000

Points

on American Express' website

Rates & Fees

The Blue Business® Plus Credit Card from American Express

Best for Long intro APR period

Annual fee
$0

Rewards rate
1x-2x

Points

Intro offer
15,000

Points

on American Express' website

Rates & Fees

Southwest® Rapid Rewards® Performance Business Credit Card

Best for Earning status on Southwest

Annual fee
$299

Rewards rate
1x-4x

Points

Intro offer
80,000

Points

on Chase's website

Rates & Fees

Southwest® Rapid Rewards® Performance Business Credit Card

Best for Earning status on Southwest

Annual fee
$299

Rewards rate
1x-4x

Points

Intro offer
80,000

Points

on Chase's website

Rates & Fees

American Express® Business Gold Card

Best for Earning points on gas, transit

Annual fee
$375

Rewards rate
1x-4x

Points

Intro offer
100,000

Points

on American Express' website

Rates & Fees

American Express® Business Gold Card

Best for Earning points on gas, transit

Annual fee
$375

Rewards rate
1x-4x

Points

Intro offer
100,000

Points

on American Express' website

Rates & Fees

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

Best for Business travel card with no annual fee

Annual fee
$0

Rewards rate
1.5x

Points

Intro offer
30,000

Points

on Bank of America's website

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

Best for Business travel card with no annual fee

Annual fee
$0

Rewards rate
1.5x

Points

Intro offer
30,000

Points

on Bank of America's website

The Hilton Honors American Express Business Card

Best for Hotel rewards + welcome offer

Annual fee
$195

Rewards rate
3x-12x

Points

Intro offer
130,000

Points

on American Express' website

Rates & Fees

The Hilton Honors American Express Business Card

Best for Hotel rewards + welcome offer

Annual fee
$195

Rewards rate
3x-12x

Points

Intro offer
130,000

Points

on American Express' website

Rates & Fees

Delta SkyMiles® Reserve Business American Express Card

Best for Airline miles + companion certificate

Annual fee
$650

Rewards rate
1x-3x

Miles

Intro offer
125,000

Miles

on American Express' website

Rates & Fees

Delta SkyMiles® Reserve Business American Express Card

Best for Airline miles + companion certificate

Annual fee
$650

Rewards rate
1x-3x

Miles

Intro offer
125,000

Miles

on American Express' website

Rates & Fees

The New United℠ Business Card

Best for Entry-level card for airline miles

Annual fee
$150

Rewards rate
1x-2x

Miles

Intro offer
100,000 Miles + 2,000 PQP

Miles

on Chase's website

Rates & Fees

The New United℠ Business Card

Best for Entry-level card for airline miles

Annual fee
$150

Rewards rate
1x-2x

Miles

Intro offer
100,000 Miles + 2,000 PQP

Miles

on Chase's website

Rates & Fees

Marriott Bonvoy Business® American Express® Card

Best for Free hotel stays

Annual fee
$125

Rewards rate
2x-6x

Points

Intro offer
125,000

Points

on American Express' website

Rates & Fees

Marriott Bonvoy Business® American Express® Card

Best for Free hotel stays

Annual fee
$125

Rewards rate
2x-6x

Points

Intro offer
125,000

Points

on American Express' website

Rates & Fees

U.S. Bank Business Altitude® Connect Visa Signature® Card

Best 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

on U.S. Bank's website

Rates & Fees

U.S. Bank Business Altitude® Connect Visa Signature® Card

Best 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

on U.S. Bank's website

Rates & Fees

Brex Card

Best for Corporate travel rewards card (venture-backed startups).

Annual fee
$0

Rewards rate
1x-7x

Points

Intro offer
10,000

Points

on Brex's website

Brex Card

Best for Corporate travel rewards card (venture-backed startups).

Annual fee
$0

Rewards rate
1x-7x

Points

Intro offer
10,000

Points

on Brex's website

Other great business credit cards for travel

The following cards are not available through NerdWallet. We still recommend them if they fit your business's needs.
NerdWallet star rating: 5
This card comes with a slew of valuable perks for businesses that regularly fly American. In addition to bonus points on flights, gas, rental cars and telecom service, you'll also get free checked bags, preferred boarding and in-flight discounts. Cardholders also get a companion certificate when they spend $30,000 or more in a year (and renew their card membership). The certificate can be redeemed for $99, plus taxes and fees, on any domestic flight.
NerdWallet star rating: 4.7
The main selling point of this card: You earn 2X points on all spending, plus 2.5X points on up to $5,000 in mobile wallet purchases each quarter. You'll also earn elevated rewards on hotels and rental cars booked via the U.S. Bank Rewards Center and can snag a nice welcome offer if you hit spending requirements. But you'll have to hit it on your main card — purchases on employee cards don't count toward the welcome bonus spending requirement.

How we chose the best business travel credit cards

NerdWallet's editorial team evaluates business credit cards on more than a dozen factors. For business travel options, we pay close attention to:
  • Base rewards rate.
  • Bonus category reward rates.
  • Redemption value of points/miles for travel.
  • Credits for programs like TSA PreCheck®.
  • Perks like airport lounge access.
Business cards need to earn at least 4.5 stars to make our list. We also consider cards below that number if they have standout features. For instance, the Bank of America® Business Advantage Travel Rewards World Mastercard® credit card (4.2 stars) is a rare business travel card with no annual fee.
Business cards that earn 5 stars are considered exceptional. These cards are best-in-class and deliver the most value for the greatest number of business owners.
Business cards that earn 4.0 to 4.9 stars are good to excellent. They deliver excellent value and might be the best choice for certain businesses, depending on your needs and spending habits.
Business cards that earn 3.0 to 3.9 stars are fine business cards. You'll get some value out of using them, to be sure, but there are other cards that offer better rewards.
Business cards that earn below 3 stars are considered subpar and would generally not be recommended by NerdWallet.

Which business travel credit cards we consider

NerdWallet's editorial team focuses on travel cards widely available to business owners. Niche options may not make our best overall list because of their limited appeal. But we still analyze them. After all, they may be solid for you. For instance the Atmos™ Rewards Visa Signature® Business card has a lot to offer frequent flyers of Hawaiian Airlines and Alaska Airlines.
We categorize a card as "business travel" if its rewards come as points or miles. This includes co-branded hotel and airline business cards. Points and miles offer the most value when you redeem them for travel. While you can use a cash-back business card for such expenses, you won't get the same bang for your buck. (That's especially true if you don't mind strategically transferring points to travel partners.)
Our team has covered or considered the following cards in 2025 (listed alphabetically by name):
A
Atmos™ Rewards Visa Signature® Business card. American Express Blue for Business Plus. American Express® Business Gold Card. American Express Business Platinum.
B
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card. BILL Divvy Corporate Card. Brex Card.
C
Capital One Spark Miles for Business. Capital One® Spark® Miles Select for Business. Capital One Venture X Business. Chase Ink Business Preferred. Chase Ink Business Premier. Chase United Business. Citi AAdvantage Business.
D
Delta SkyMiles® Gold Business American Express Card. Delta SkyMiles® Platinum Business American Express Card. Delta SkyMiles® Reserve American Express Card.
H
Hawaiian Airlines® Business Mastercard®. Hilton Honors American Express Business Card.
I
IHG One Rewards Premier Business Credit Card.
J
JetBlue Business Card.
M
Marriott Bonvoy Business® American Express® Card.
S
Sapphire Reserve for Business℠. Southwest® Rapid Rewards® Premier Business Credit Card.
T
Truist Business Travel Rewards Card.
U
United Club℠ Business Card. U.S. Bank Business Altitude® Connect Visa Signature® Card. U.S. Bank Business Altitude™ Power World Elite Mastercard®.
W
World of Hyatt Business Credit Card. Wyndham Rewards® Earner℠ Business Credit Card.

What is a business travel credit card?

A business travel card earns you miles or points when you make purchases. You'll typically maximize those rewards by redeeming them for travel — often via an issuer's built-in travel portal.
Sometimes, cards have bonuses for travel-related spending. For instance, the Sapphire Reserve for Business℠ earns 8X points on airline tickets, hotels, car rentals, cruises, activities and tours bought via Chase Travel℠.
But travel cards can reward other business expenses, too. The American Express® Business Gold Card is an especially good option for ad spend, for instance. You can get 4X points on your first $150,000 in eligible purchases (terms apply).
Business travel cards may also have benefits ideal for life on the road. Common perks include entry into airport lounges, automatic elite status at specific hotel chains and car rental discounts.

What types of business travel credit cards are there?

Business travel credit cards primarily fall into two buckets: general and co-branded.
  • General business travel cards. These offer points that you can cash in for flights, rental cars and hotel stays. You may also be able to transfer those points to select airline and hotel loyalty programs. Examples include the Ink Business Preferred® Credit Card and the Capital One Spark Miles for Business.
  • Co-branded business travel cards. These earn you the most rewards — and get the most juice for points/miles — with a specific brand. Major airlines (like Delta) and hotels (like Hilton) have co-branded business cards.
General business travel cards are great for flexible, easy-to-redeem rewards. But if you're loyal to a specific hotel or airline chain, you'll probably find its cards more valuable.

Should you use a corporate card for business travel?

Corporate cards can make sense if you have many employees and they travel often. You can issue employee cards and track spending with traditional business cards. But corporate options level up those controls.
From a travel perspective, the big benefit with many corporate cards is their built-in expense management. Software features like automatic receipt matching and submission reminders can make reconciliation and reimbursement easy.
The tradeoff? You won't always get a ton of other perks, like a cache of points. Our top corporate card for business travel (the Brex Card) is an exception. It's also hard to qualify for. Learn more about corporate cards.

How much are credit cards for business travel?

Expect to pay at least a $95 annual fee for a business travel card. Some cards may waive this fee in your first year, but few don't charge you at all. The only no-annual-fee business travel cards we track are the Bank of America® Business Advantage Travel Rewards World Mastercard® credit card and the Capital One® Spark® Miles Select for Business.
A number of issuers offer premium cards with fees to match. The most expensive we're aware of is the Sapphire Reserve for Business℠ at $795. That will change in December 2025, though. The American Express Business Platinum has announced plans to raise its fee from $695 to $895 then.

Why are business travel cards expensive?

Pricey business travel cards include perks and credits that add to the card's overall value. Examples include:
  • Airport lounge access. The Business Platinum Card® from American Express will get you into more than 1,550 worldwide, for instance. It's one of the best business cards for lounge access.
  • Trusted traveler program credits. It's common to find reimbursement for programs like Global Entry, TSA PreCheck, Nexxus and Clear. Such credits may save you hundreds of dollars (not to mention time in the airport).
  • General travel credits. These can take a big bite out of annual fees by themselves. For instance, the Capital One Venture X Business offers an annual $300 credit for bookings made through Capital One's travel booking site. That's just $50 less than the card's annual fee (see ).
  • Automatic elite status. This is a perk of most hotel cards. It can be a draw for frequent guests, particularly when that status means complimentary room upgrades and late checkout.
  • Airline-specific benefits. Pretty much everything costs extra when you fly. A co-branded card may reduce those costs with things like free checked bags, in-flight discounts and companion certificates.
Many premium business travel cards have also adopted a so-called "coupon book" style. These discounts or credits are less versatile. You'll need to shop with a specific vendor (like Dell) or use a specific service (like ZipRecruiter) to get that money.
🤓
Nerdy Tip
The annual fee on your business credit card can be tax deductible if you use the card exclusively for business purposes.

What other travel benefits do business cards offer?

No foreign transaction fee should be table stakes for a business travel credit card. This is a must for international travelers. Using a travel card overseas shouldn't cost you extra.
Other travel-related benefits will vary by card. If you pay for a premium card, expect more from it. For instance, the Sapphire Reserve for Business℠ includes:
  • Trip delay reimbursements.
  • Trip cancellation and interruption insurance.
  • Baggage delay/lost luggage insurance.
  • Emergency medical and dental reimbursements.
  • Emergency evacuation and transportation due to injury or sickness.
You'll hopefully use such perks far less than ones like airport lounge access. But travel headaches will happen — especially if you're on the road a lot for business. View a card's complete terms to understand what peace of mind it offers.

Should you use a cash-back card for business travel?

You won't maximize your rewards using a cash-back business card for travel. But that might be OK if you value simplicity or don't travel often. Most cash-back cards have no annual fee, so there's little downside to getting them.
The Ink Business Unlimited® Credit Card is our editorial team's pick for best business credit card. In part, that's because it earns Chase Ultimate Rewards®. You can redeem those rewards for cash back or travel via the Chase portal. That at least gives you a little flexibility.

What is the best business credit card for airline miles?

If you're loyal to a specific airline, your best bet will be its co-branded card. You can quickly rack up airline miles and status with options like The New United℠ Business Card or the Southwest® Rapid Rewards® Performance Business Credit Card.
Looking for a general business travel card? We think the Ink Business Preferred® Credit Card offers a lot of value given its $95 annual fee. You earn 3 points per $1 on the first $150,000 spent on all travel. Other cards can earn you more miles, but they'll cost you more. You'll likely need to use an issuer's travel portal, too. Those may not have the best prices or flight selections.
Notes from card issuers
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.
Last updated on September 16, 2025

Methodology

NerdWallet's business credit card team selects the best small-business credit cards without outside input from partners or other business interests. We evaluate business cards based on value and simplicity, weighing fees, sign-up bonuses and reward rates, alongside perks like interest-free periods, statement credits and elite status (for travel cards). Business cards that earn the highest scores deliver the most value to the greatest number of business owners.
Notable changes to our methodology for 2025 include factoring in whether spending on employee cards earns rewards and counts toward the welcome offer requirements. We also now consider what information the card issuer reports to consumer credit bureaus. Learn how NerdWallet rates small-business credit cards.