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Best Travel Credit Cards for Business

Oct. 26, 2020
Business Credit Cards, Credit Cards, Travel Credit Cards
Best Travel Credit Cards for Business
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  • Capital One® Spark® Miles for Business
  • Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
  • Capital One® Spark® Miles Select for Business

As a result, offers described on this page may be out of date. See our best credit cards page for updated offers.

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 credit card that offers travel rewards. Although entrepreneurs can use consumer travel cards for business expenses, a card specifically designed for business use can be more lucrative.

When choosing a business travel card, consider how you spend money and what kind of rewards would work best for you:

  • How you spend money: Travel credit cards give you points or miles for your purchases. So-called flat-rate cards give you a fixed number of points or miles for every dollar you spend. Bonus rewards cards give you extra points in specific categories.
  • Type of rewards: If a card carries the name of a specific airline or hotel chain — known as a co-branded card — the rewards are typically redeemable only through that brand. By contrast, general-purpose travel cards give you flexible rewards you can redeem for a variety of travel expenses.

» MORE: NerdWallet’s best credit cards for small business

Ink Business Preferred® Credit Card

Card type: General-purpose, bonus rewards. Rewards: Up to 3 points per dollar spent. Annual fee: $95. NerdWallet rating: 5 (out of 5).

The Ink Business Preferred® Credit Card earns 3 points per dollar on the first $150,000 per account year in combined spending on travel, shipping purchases, internet, cable and phone services, and advertising purchases with social media sites and search engines. All other spending earns 1 point per dollar. Points are worth 1.25 cents apiece when redeemed for travel booked through Chase. The sign-up bonus is one of the best available anywhere: New Offer! Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,250 toward travel when redeemed through Chase Ultimate Rewards®.

» See our review for the full rundown of benefits.

Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card

Apply Now on Chase's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • No foreign transaction fee

    Cons

    • Has annual fee

    Annual Fees

    $95

    APR

    • APR: 15.99% - 20.99% Variable APR
    • Cash Advance APR: 24.99%, Variable

    Bonus Offers

    New Offer! Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,250 toward travel when redeemed through Chase Ultimate Rewards®

    Intro APR

  • Additional Information
    • New Offer! Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,250 toward travel when redeemed through Chase Ultimate Rewards®
    • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
    • Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn
    • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
    • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
    • No foreign transaction fees
    • Employee cards at no additional cost
    • $95 Annual Fee

Capital One® Spark® Miles for Business

Card type: General-purpose, flat rate. Rewards: 2 miles per dollar spent on all purchases. Annual fee: $0 intro for the first year, then $95. NerdWallet rating: 4.9 (out of 5).

The Capital One® Spark® Miles for Business is the business counterpart to Capital One’s super-popular Capital One® Venture® Rewards Credit Card. Like that card, it earns 2 miles per dollar spent, and you can redeem miles for credit on your statement against any travel purchase at 1 cent per mile. It starts you off with an excellent bonus offer, too: 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.

» See our review for the full rundown of benefits.

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

Card type: General-purpose, flat rate. Rewards: 1.5 points per dollar spent on all purchases. Annual fee: $0. NerdWallet rating: 4.6 (out of 5).

The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card delivers solid value for travel-oriented entrepreneurs who don’t want to pay an annual fee. You earn 1.5 points per dollar spent anywhere, as well as 3 points per dollar on eligible travel booked through the issuer’s Travel Center. Points can be redeemed for any travel expense. The bonus offer for new cardholders is excellent, considering the $0 annual fee: Earn 30,000 bonus points when you make at least $3,000 in net purchases within 90 days of your account opening which can be redeemed for a $300 statement credit towards travel purchases.

» See our review for the full rundown of benefits.

The Business Platinum Card® from American Express

Card type: General-purpose, bonus rewards. Rewards: Up to 5 points per dollar spent. Annual fee: $595. NerdWallet rating: 5 (out of 5).

The Business Platinum Card® from American Express isn’t cheap — that $595 annual fee isn’t a misprint. But it’s not designed for the budget-oriented traveler. It’s a card for entrepreneurs who want luxury and are willing to pay for it. You’ll earn 5 points per dollar on flights and prepaid hotels on amextravel.com and 1 point per dollar on other purchases. There’s a handsome welcome offer, too. But the true value of this card lies in its extensive list of perks: airport lounge access, elite status at hotels, hundreds of dollars’ worth of travel credits and much more. Terms apply.

» See our review for the full rundown of benefits.

The Business Platinum Card® from American Express

The Business Platinum Card® from American Express

Apply Now on American Express's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • High rewards rate on certain travel purchases
    • No foreign transaction fee
    • Bonus offer for new cardholders
    • Lounge access, airline fee credit

    Cons

    • High annual fee
    • Other cards offer a higher rewards rate on non-travel spending
    • Complicated rewards structure
    • Requires good/excellent credit

    Annual Fees

    $595

    APR

    • Purchase: N/A

    Bonus Offers

    Earn 75,000 Membership Rewards® points after you spend $15,000 on qualifying purchases within your first 3 months of Card Membership. Terms apply.

    Intro APR

    • N/A
  • Additional Information
    • Earn 75,000 Membership Rewards® points after you spend $15,000 on qualifying purchases within your first 3 months of Card Membership.
    • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
    • Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
    • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
    • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year when you book on amextravel.com.
    • Terms Apply

Capital One® Spark® Miles Select for Business

Card type: General-purpose, flat rate. Rewards: 1.5 miles per dollar spent on all purchases. Annual fee: $0. NerdWallet rating: 4.1 (out of 5).

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. However, you do get an introductory 0% APR period, which is somewhat unusual for a travel card.

» See our review for the full rundown of benefits.

Delta SkyMiles® Reserve Business American Express Card

Card type: Co-branded, airline. Rewards: Up to 3 miles per dollar spent. Annual fee: $550. NerdWallet rating: 4.9 (out of 5).

The Delta SkyMiles® Reserve Business American Express Card comes with two benefits that more than make up for its admittedly hefty annual fee. First, it gets you into Delta Sky Clubs, the airline’s airport lounges, as well as American Express Centurion Lounges when flying Delta. Second, each time you renew, you get a companion certificate, which allows you to bring someone with you for just the cost of taxes and fees when you buy a round-trip domestic ticket for yourself. The certificate is good in any fare class, including first. The card earns 3 miles per dollar spent on Delta purchases and 1 mile per dollar elsewhere. Terms apply.

» See our review for the full rundown of benefits.

Delta SkyMiles® Reserve Business American Express Card

Delta SkyMiles® Reserve Business American Express Card

Apply Now on American Express's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • High rewards rate
    • No foreign transaction fee

    Cons

    • Has annual fee

    Annual Fees

    $550

    APR

    • APR: 15.74% - 24.74% Variable APR
    • Cash Advance APR: 25.24%, Variable
    • Penalty APR: 29.24%, Variable

    Bonus Offers

    Earn 45,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $4,000 in purchases on your new Card in the first 3 months. Terms Apply.

    Intro APR

    • N/A
  • Additional Information
    • Welcome Offer: Earn 45,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $4,000 in purchases on your new Card in the first 3 months.
    • With Status Boost™, earn 15,000 Medallion® Qualification Miles (MQMs) after you spend $30,000 in purchases on your new Card in a calendar year, up to four times per year getting you closer to Medallion Status. MQMs are used to determine Medallion Status and are different from the miles you earn toward flights.
    • Complimentary Delta Sky Club® Access and complimentary access to The Centurion Lounge when flying on a same-day Delta-marketed or Delta-operated flight. The eligible flight must be booked on a U.S. issued American Express Credit Card.
    • After you spend $150,000 on your Card in a calendar year, you earn 1.5 Miles per dollar (that’s an extra half mile per dollar) on eligible purchases the rest of the year. Eligible purchases after spending $150,000 do not include Delta purchases. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
    • Pay no foreign transaction fees when you spend overseas.
    • Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta.
    • Terms and limitations apply.

Don’t fly Delta? Try these options

  • United℠ Business Card: This card helps you rack up extra miles in a lot of ways. You earn 2 miles per dollar spent with United; at gas stations, restaurants and office supply stores; and on local transit and commuting. Other spending earns 1 mile per dollar. You also get a great bonus offer, a checked bag benefit, airport lounge passes and other perks. Annual fee: $0 intro for the first year, then $99. NerdWallet rating: 4.1 (out of 5). See our review for more.
  • Southwest Rapid Rewards® Performance Business Credit Card: Southwest’s most expensive card comes loaded with perks that go a long way toward making up for the cost, including credit for upgraded boardings and great sign-up and anniversary bonuses. Rewards include 3 points per dollar spent with Southwest; 2 points per dollar on social media and search engine advertising and internet, cable and phone services; and 1 point per dollar elsewhere. Annual fee: $199. NerdWallet rating: 4.9 (out of 5). See our review for more.
  • CitiBusiness® / AAdvantage® Platinum Select® Mastercard®: Earn 2 miles per dollar spent with American Airlines and at gas stations, rental car agencies, telecommunications merchants and cable and satellite providers. Other spending earns 1 mile per dollar. Cardholders can earn a good bonus and enjoy a checked-bag benefit, priority boarding and other perks. Annual fee: $0 intro for the first year, then $99. NerdWallet rating: 4.1 (out of 5). See our review for more.

Marriott Bonvoy Business™ American Express® Card

Card type: Co-branded, hotel. Rewards: Up to 6 points per dollar spent. Annual fee: $125. NerdWallet rating: 5 (out of 5).

The Marriott Bonvoy Business™ American Express® Card gives you a free night every year that could easily cover the cost of the annual fee. You’ll earn a lot of points — including bonus rewards in useful categories — and Marriott’s wide footprint gives you plenty of places to use them. The card gives you 6 points per dollar at participating Marriott Bonvoy hotels; 4 points per dollar at U.S. restaurants and U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers, and on U.S. purchases for shipping. All other purchases earn 2 points per dollar. Terms apply.

» See our review for the full rundown of benefits.

Marriott Bonvoy Business™ American Express® Card

Marriott Bonvoy Business™ American Express® Card

Apply Now on American Express's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • High rewards rate
    • No foreign transaction fee

    Cons

    • Has annual fee

    Annual Fees

    $125

    APR

    • APR: 15.74% - 24.74% Variable APR
    • Cash Advance APR: 25.24%, Variable
    • Penalty APR: 29.24%, Variable

    Bonus Offers

    Limited Time Offer: Earn 100,000 Marriott Bonvoy points after you use your new Card to make $5,000 in purchases within your first 3 months of Card Membership. Earn up to $150 in statement credits within your first 6 months of Card Membership for all eligible purchases on your Card on U.S. Advertising in select Media. Plus receive complimentary Marriott Bonvoy Platinum Elite status for one year (February 1, 2021-January 31, 2022). Offer ends 1/13/21. Terms Apply.

    Intro APR

    • N/A
  • Additional Information
    • Limited Time Offer: Earn 100,000 Marriott Bonvoy points after you use your new Card to make $5,000 in purchases within your first 3 months of Card Membership. Earn up to $150 in statement credits within your first 6 months of Card Membership for all eligible purchases on your Card on U.S. Advertising in select Media. Plus receive complimentary Marriott Bonvoy Platinum Elite status for one year (February 1, 2021-January 31, 2022). Offer ends 1/13/21.
    • 6x points at participating Marriott Bonvoy hotels.
    • 4x points at U.S. restaurants, 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 account anniversary. 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 a participating hotel. Certain hotels have resort fees.
    • Terms apply.

Not a Marriott customer? Try this option

  • The Hilton Honors American Express Business Card: Hilton points aren’t worth as much on a per-point basis as some other hotel rewards, but this card makes up for it by giving you a lot of them. You earn 12 points per dollar spent with Hilton, 6 points per dollar on select business and travel purchases, and 3 points per dollar on other eligible purchases. There’s a good welcome offer, you can unlock a free night benefit with your spending, and you’ll get 10 free airport lounge visits each year once you enroll in a complimentary Priority Pass Select membership. Terms apply. Annual fee: $95. NerdWallet rating: 4.9 (out of 5). See our review for more.

To view rates and fees of The Business Platinum Card® from American Express, please visit this page.

To view rates and fees of the Delta SkyMiles® Reserve Business American Express Card, please visit this page.

To view rates and fees of the Marriott Bonvoy Business™ American Express® Card, please visit this page.

Methodology

NerdWallet’s credit cards team selects the best cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to be chosen in multiple categories.