Best Business Travel Credit Cards of May 2026
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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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.
- Capital One Venture Business: Best for unlimited 2X points (see
- Capital One Venture X Business: Best premium business travel card.
- 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.
- Rippling Corporate Card: Best corporate card for travel card.
- Sapphire Reserve for Business℠: Best welcome bonus.
- 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.
- United℠ Business Card: Best entry-level card for airline miles.
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
Pros
- High rewards rate
- New cardholder bonus offer
- Priority Pass lounge membership
- Annual travel credit, bonus miles
- Statement credit for Global Entry, TSA PreCheck®
Cons
- High annual fee
- Requires excellent credit
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
Pros
- High rewards rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
Capital One Venture Business
Best for Unlimited 2X miles on all spending
Annual fee
$95
Rewards rate
2x-5x
Miles
Intro offer
Up to 150,000 Miles
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- Annual travel credit
- Statement credit for Global Entry, TSA PreCheck®
Cons
- Does not include lounge access or automatic elite status
- Requires excellent credit
The Business Platinum Card® from American Express
Best for Luxury travel perks + airport lounge access
Annual fee
$895
Rewards rate
1x-5x
Points
Intro offer
As High As 300,000 Points. Find Out Your Offer.
on American Express' website
Rates & Fees
Pros
- Lounge membership
- Transfer partners
- Automatic elite status
- Annual statement credit for travel, business expenses
- New cardholder bonus offer
Cons
- High annual fee
- Low ongoing rewards rate
Ink Business Preferred® Credit Card
Best for Low-fee business travel card
Annual fee
$95
Rewards rate
1x-5x
Points
Intro offer
100,000
Points
on Chase's website
Rates & Fees
Pros
- New cardholder bonus offer
- Transfer partners
Cons
- Does not include lounge access or travel credits
Sapphire Reserve for Business℠
Best for Welcome bonus
Annual fee
$795
Rewards rate
1x-8x
Points
Intro offer
150,000
Points
on Chase's website
Rates & Fees
Pros
- New cardholder bonus offer
- Annual travel credit
- Statement credit for Global Entry, TSA PreCheck® or NEXUS
- Airport lounge access for primary cardholder and guests
Cons
- High annual fee
- Complicated rewards
- Requires excellent credit
- Purchases that don't qualify for Flex for Business must be paid in full every month
American Express® Business Gold Card
Best for Earning points on gas, transit
Annual fee
$375
Rewards rate
1x-4x
Points
Intro offer
As High As 200,000 Points. Find Out Your Offer.
on American Express' website
Rates & Fees
Pros
- Transfer partners
- New cardholder bonus offer
- High reward rate in bonus categories
Cons
- High annual fee
- Complicated rewards
- Spending caps on bonus rewards
United℠ Business Card
Best for Entry-level card for airline miles
Annual fee
$150
Rewards rate
1x-2x
Miles
Intro offer
Up to 110,000 Miles + 2,000 PQP
on Chase's website
Rates & Fees
Pros
- Free checked bag
- New cardholder bonus offer
- Annual bonus award and travel credit (terms apply)
Cons
- Rewards have limited flexibility
- Does not include automatic elite status
- No statement credit for trusted traveler programs
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
Pros
- High rewards rate
- Automatic elite status
- New cardholder bonus offer
- Annual Hilton travel credit
Cons
- High annual fee
- No free anniversary night
- Rewards have limited flexibility
Delta SkyMiles® Reserve Business American Express Card
Best for Airline miles + companion certificate
Annual fee
$650
Rewards rate
1x-3x
Miles
Intro offer
80,000
Miles
on American Express' website
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- Generous free checked bag benefit
- SkyClub and Centurion Lounge membership (terms apply)
- Companion pass benefit
Cons
- High annual fee
- Limited reward redemption options
Marriott Bonvoy Business® American Express® Card
Best for Free hotel stays
Annual fee
$125
Rewards rate
2x-6x
Points
Intro offer
Up to 5 Free Night Awards
on American Express' website
Rates & Fees
Pros
- High rewards rate
- Automatic elite status
- Free night reward on cardholder anniversary
- New cardholder bonus offer
Cons
- Rewards have limited flexibility
Rippling Corporate Card
Best for Corporate card for travel
Annual fee
$0
Rewards rate
1.75%
Cashback
Intro offer
$0
on Rippling's website
Pros
- High rewards rate
- Card-level spending controls
- Supports employee reimbursements in more than 100 countries and receipt collection in multiple languages
- Rippling’s software suite includes HR, payroll and digital security tools
Cons
- Subscription may be required for businesses with more than 25 employees.
- Multiple recent changes to pricing, rewards offerings.
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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
Pros
- High rewards rate
- New cardholder bonus offer
- Priority Pass lounge membership
- Annual travel credit, bonus miles
- Statement credit for Global Entry, TSA PreCheck®
Cons
- High annual fee
- Requires excellent credit
You'll earn 2X points on all spending and get perks like airport lounge access, bonus miles each anniversary and an annual travel credit (for bookings through Capital One Business Travel). The card also has a big welcome offer: Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening. All those perks offset the card's $395 annual fee.
- 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 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel
- 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 made through Capital One Business Travel
- Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- Your card is designed to be paid in full. However, you have the option to carry over a portion of your balance with interest if needed. Pay at least the minimum payment amount by your payment due date, otherwise you'll be charged a 2.99% late fee
- Top rated mobile app
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- Priority Pass lounge membership
- Annual travel credit, bonus miles
- Statement credit for Global Entry, TSA PreCheck®
Cons
- High annual fee
- Requires excellent credit
You'll earn 2X points on all spending and get perks like airport lounge access, bonus miles each anniversary and an annual travel credit (for bookings through Capital One Business Travel). The card also has a big welcome offer: Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening. All those perks offset the card's $395 annual fee.
- 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 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel
- 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 made through Capital One Business Travel
- Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- Your card is designed to be paid in full. However, you have the option to carry over a portion of your balance with interest if needed. Pay at least the minimum payment amount by your payment due date, otherwise you'll be charged a 2.99% late fee
- Top rated mobile app
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- Priority Pass lounge membership
- Annual travel credit, bonus miles
- Statement credit for Global Entry, TSA PreCheck®
Cons
- High annual fee
- Requires excellent credit
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
Pros
- High rewards rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
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. An added bonus: There's no annual fee.
- 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, 16.74% - 26.74%, 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.
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
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. An added bonus: There's no annual fee.
- 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, 16.74% - 26.74%, 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.
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
Capital One Venture Business
Best for Unlimited 2X miles on all spending
Annual fee
$95
Rewards rate
2x-5x
Miles
Intro offer
Up to 150,000 Miles
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- Annual travel credit
- Statement credit for Global Entry, TSA PreCheck®
Cons
- Does not include lounge access or automatic elite status
- Requires excellent credit
This card excels at simplicity. You get 2X miles per dollar on all purchases (and 5X miles on select travel when booked via Capital One Business Travel).
- Limited-time offer: Earn up to 150,000 bonus miles—75,000 miles once you spend $7,500 in the first 3 months, and an additional 75,000 miles once you spend $30,000 in the first 6 months
- 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
- Receive up to $220 in credits: Receive an annual $50 travel credit for bookings through Capital One Business Travel, up to an annual $50 statement credit for purchases at qualifying advertising or software merchants, plus up to a $120 credit for Global Entry or TSA PreCheck® every four years. Terms and conditions apply
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business 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
- $95 annual fee
- Free employee cards which also earn unlimited 2X miles from their purchases
- Top rated mobile app
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- Annual travel credit
- Statement credit for Global Entry, TSA PreCheck®
Cons
- Does not include lounge access or automatic elite status
- Requires excellent credit
This card excels at simplicity. You get 2X miles per dollar on all purchases (and 5X miles on select travel when booked via Capital One Business Travel).
- Limited-time offer: Earn up to 150,000 bonus miles—75,000 miles once you spend $7,500 in the first 3 months, and an additional 75,000 miles once you spend $30,000 in the first 6 months
- 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
- Receive up to $220 in credits: Receive an annual $50 travel credit for bookings through Capital One Business Travel, up to an annual $50 statement credit for purchases at qualifying advertising or software merchants, plus up to a $120 credit for Global Entry or TSA PreCheck® every four years. Terms and conditions apply
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business 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
- $95 annual fee
- Free employee cards which also earn unlimited 2X miles from their purchases
- Top rated mobile app
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- Annual travel credit
- Statement credit for Global Entry, TSA PreCheck®
Cons
- Does not include lounge access or automatic elite status
- Requires excellent credit
The Business Platinum Card® from American Express
Best for Luxury travel perks + airport lounge access
Annual fee
$895
Rewards rate
1x-5x
Points
Intro offer
As High As 300,000 Points. Find Out Your Offer.
on American Express' website
Rates & Fees
Pros
- Lounge membership
- Transfer partners
- Automatic elite status
- Annual statement credit for travel, business expenses
- New cardholder bonus offer
Cons
- High annual fee
- Low ongoing rewards rate
No travel card offers more perks than The Business Platinum Card® from American Express. Cardholders get extensive airport lounge access; statement credits for airline fees, Clear membership and cell phone bills; elite status with several hotel and rental car chains; and hundreds of dollars in additional discounts each year. Use those perks and you'll easily recoup the card's sky-high annual fee.
- As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
- See how you can unlock over $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
- Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
- Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
- Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
- Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
- Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
- Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
- Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
- Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
- 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- 5X points on flights and prepaid hotels on AmexTravel.com
- 1X points on other eligible purchases
- Terms Apply.
Rates & Fees
Pros
- Lounge membership
- Transfer partners
- Automatic elite status
- Annual statement credit for travel, business expenses
- New cardholder bonus offer
Cons
- High annual fee
- Low ongoing rewards rate
No travel card offers more perks than The Business Platinum Card® from American Express. Cardholders get extensive airport lounge access; statement credits for airline fees, Clear membership and cell phone bills; elite status with several hotel and rental car chains; and hundreds of dollars in additional discounts each year. Use those perks and you'll easily recoup the card's sky-high annual fee.
- As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
- See how you can unlock over $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
- Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
- Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
- Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
- Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
- Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
- Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
- Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
- Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
- 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- 5X points on flights and prepaid hotels on AmexTravel.com
- 1X points on other eligible purchases
- Terms Apply.
Rates & Fees
Pros
- Lounge membership
- Transfer partners
- Automatic elite status
- Annual statement credit for travel, business expenses
- New cardholder bonus offer
Cons
- High annual fee
- Low ongoing rewards rate
Ink Business Preferred® Credit Card
Best for Low-fee business travel card
Annual fee
$95
Rewards rate
1x-5x
Points
Intro offer
100,000
Points
on Chase's website
Rates & Fees
Pros
- New cardholder bonus offer
- Transfer partners
Cons
- Does not include lounge access or travel credits
The Ink Business Preferred® Credit Card starts you off with an excellent sign-up bonus and keeps the rewards rolling with bonus points on travel expenses and common business spending categories, like advertising; shipping; and internet, cable and phone service. Points are worth more when redeemed for travel booked through Chase, or you can transfer them to about a dozen airline and hotel partners.
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
- 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
- Earn 5x total points on Lyft rides through 9/30/27.
- 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
- Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Receive complimentary access to DashPass by DoorDash.
- Member FDIC
Rates & Fees
Pros
- New cardholder bonus offer
- Transfer partners
Cons
- Does not include lounge access or travel credits
The Ink Business Preferred® Credit Card starts you off with an excellent sign-up bonus and keeps the rewards rolling with bonus points on travel expenses and common business spending categories, like advertising; shipping; and internet, cable and phone service. Points are worth more when redeemed for travel booked through Chase, or you can transfer them to about a dozen airline and hotel partners.
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
- 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
- Earn 5x total points on Lyft rides through 9/30/27.
- 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
- Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Receive complimentary access to DashPass by DoorDash.
- Member FDIC
Rates & Fees
Pros
- New cardholder bonus offer
- Transfer partners
Cons
- Does not include lounge access or travel credits
Sapphire Reserve for Business℠
Best for Welcome bonus
Annual fee
$795
Rewards rate
1x-8x
Points
Intro offer
150,000
Points
on Chase's website
Rates & Fees
Pros
- New cardholder bonus offer
- Annual travel credit
- Statement credit for Global Entry, TSA PreCheck® or NEXUS
- Airport lounge access for primary cardholder and guests
Cons
- High annual fee
- Complicated rewards
- Requires excellent credit
- Purchases that don't qualify for Flex for Business must be paid in full every month
Chase launched this premium business travel card in June 2025. Its annual fee is the highest on our list of picks — but so is its welcome bonus. That sign-on offer can net you a ton of points. It also has a longer than normal runway to help ensure you hit the spending requirement.
- Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening.
- $6,000+ in value your first year. 150K points, valued at $3,000 for select flights and hotels through Chase Travel℠, plus $3,000+ in annual value through travel and business benefits.
- Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
- Earn 5x total points on Lyft rides through 9/30/27.
- Earn 4x points on flights & hotels booked direct.
- Earn 3x points on social media & search engine advertising.
- Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
- Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
- Member FDIC
Rates & Fees
Pros
- New cardholder bonus offer
- Annual travel credit
- Statement credit for Global Entry, TSA PreCheck® or NEXUS
- Airport lounge access for primary cardholder and guests
Cons
- High annual fee
- Complicated rewards
- Requires excellent credit
- Purchases that don't qualify for Flex for Business must be paid in full every month
Chase launched this premium business travel card in June 2025. Its annual fee is the highest on our list of picks — but so is its welcome bonus. That sign-on offer can net you a ton of points. It also has a longer than normal runway to help ensure you hit the spending requirement.
- Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening.
- $6,000+ in value your first year. 150K points, valued at $3,000 for select flights and hotels through Chase Travel℠, plus $3,000+ in annual value through travel and business benefits.
- Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
- Earn 5x total points on Lyft rides through 9/30/27.
- Earn 4x points on flights & hotels booked direct.
- Earn 3x points on social media & search engine advertising.
- Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
- Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
- Member FDIC
Rates & Fees
Pros
- New cardholder bonus offer
- Annual travel credit
- Statement credit for Global Entry, TSA PreCheck® or NEXUS
- Airport lounge access for primary cardholder and guests
Cons
- High annual fee
- Complicated rewards
- Requires excellent credit
- Purchases that don't qualify for Flex for Business must be paid in full every month
American Express® Business Gold Card
Best for Earning points on gas, transit
Annual fee
$375
Rewards rate
1x-4x
Points
Intro offer
As High As 200,000 Points. Find Out Your Offer.
on American Express' website
Rates & Fees
Pros
- Transfer partners
- New cardholder bonus offer
- High reward rate in bonus categories
Cons
- High annual fee
- Complicated rewards
- Spending caps on bonus rewards
While this card doesn't earn bonus points on travel spending, it does earn up to 4X points in a host of other categories, including gas, advertising, restaurants and transit. You'll earn the bonus rate in your top two eligible spending categories each month. (Only purchases made in the U.S. qualify for bonus categories.) There's also an excellent welcome offer that can help offset the annual fee.
- As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
- 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 up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx (through 10/01/2026), Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
- Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Gold Card. *Subject to auto-renewal.
- Enroll and get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace. Subscription purchases subject to auto-renewal.
- 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.
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™.
- The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
- Terms Apply
Rates & Fees
Pros
- Transfer partners
- New cardholder bonus offer
- High reward rate in bonus categories
Cons
- High annual fee
- Complicated rewards
- Spending caps on bonus rewards
While this card doesn't earn bonus points on travel spending, it does earn up to 4X points in a host of other categories, including gas, advertising, restaurants and transit. You'll earn the bonus rate in your top two eligible spending categories each month. (Only purchases made in the U.S. qualify for bonus categories.) There's also an excellent welcome offer that can help offset the annual fee.
- As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
- 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 up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx (through 10/01/2026), Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
- Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Gold Card. *Subject to auto-renewal.
- Enroll and get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace. Subscription purchases subject to auto-renewal.
- 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.
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™.
- The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
- Terms Apply
Rates & Fees
Pros
- Transfer partners
- New cardholder bonus offer
- High reward rate in bonus categories
Cons
- High annual fee
- Complicated rewards
- Spending caps on bonus rewards
United℠ Business Card
Best for Entry-level card for airline miles
Annual fee
$150
Rewards rate
1x-2x
Miles
Intro offer
Up to 110,000 Miles + 2,000 PQP
on Chase's website
Rates & Fees
Pros
- Free checked bag
- New cardholder bonus offer
- Annual bonus award and travel credit (terms apply)
Cons
- Rewards have limited flexibility
- Does not include automatic elite status
- No statement credit for trusted traveler programs
United℠ Business Card is a standout option for frequent business flyers, particularly those loyal to United. Cardholders earn rewards on everyday spending, like dining, gas stations and transit. You also get perks like priority boarding, an annual United travel credit (terms apply), bonus miles each card anniversary and two United Club passes each year. A generous sign-up bonus sweetens the pot.
- Earn up to 110,000 bonus miles and 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open.
- $150 Annual Fee.
- NEW! 8x total miles on eligible United flights.
- 2x miles on all other eligible United® purchases. 2x miles on 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.
- NEW! Save at least 10% when booking flights with miles. Premier members earn even more.
- Member FDIC
Rates & Fees
Pros
- Free checked bag
- New cardholder bonus offer
- Annual bonus award and travel credit (terms apply)
Cons
- Rewards have limited flexibility
- Does not include automatic elite status
- No statement credit for trusted traveler programs
United℠ Business Card is a standout option for frequent business flyers, particularly those loyal to United. Cardholders earn rewards on everyday spending, like dining, gas stations and transit. You also get perks like priority boarding, an annual United travel credit (terms apply), bonus miles each card anniversary and two United Club passes each year. A generous sign-up bonus sweetens the pot.
- Earn up to 110,000 bonus miles and 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open.
- $150 Annual Fee.
- NEW! 8x total miles on eligible United flights.
- 2x miles on all other eligible United® purchases. 2x miles on 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.
- NEW! Save at least 10% when booking flights with miles. Premier members earn even more.
- Member FDIC
Rates & Fees
Pros
- Free checked bag
- New cardholder bonus offer
- Annual bonus award and travel credit (terms apply)
Cons
- Rewards have limited flexibility
- Does not include automatic elite status
- No statement credit for trusted traveler programs
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
Pros
- High rewards rate
- Automatic elite status
- New cardholder bonus offer
- Annual Hilton travel credit
Cons
- High annual fee
- No free anniversary night
- Rewards have limited flexibility
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.
- Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.
- 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.
- Earn 12X Hilton Honors Bonus Points on eligible purchases made directly with hotels and resorts within the Hilton portfolio.
- 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.
- You may receive an upgrade to Hilton Honors™ Diamond Status through the end of the next calendar year if the total eligible purchases that you spend on your Card Account during a calendar year reach $40,000 or more.
- Terms apply.
Rates & Fees
Pros
- High rewards rate
- Automatic elite status
- New cardholder bonus offer
- Annual Hilton travel credit
Cons
- High annual fee
- No free anniversary night
- Rewards have limited flexibility
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.
- Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.
- 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.
- Earn 12X Hilton Honors Bonus Points on eligible purchases made directly with hotels and resorts within the Hilton portfolio.
- 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.
- You may receive an upgrade to Hilton Honors™ Diamond Status through the end of the next calendar year if the total eligible purchases that you spend on your Card Account during a calendar year reach $40,000 or more.
- Terms apply.
Rates & Fees
Pros
- High rewards rate
- Automatic elite status
- New cardholder bonus offer
- Annual Hilton travel credit
Cons
- High annual fee
- No free anniversary night
- Rewards have limited flexibility
Delta SkyMiles® Reserve Business American Express Card
Best for Airline miles + companion certificate
Annual fee
$650
Rewards rate
1x-3x
Miles
Intro offer
80,000
Miles
on American Express' website
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- Generous free checked bag benefit
- SkyClub and Centurion Lounge membership (terms apply)
- Companion pass benefit
Cons
- High annual fee
- Limited reward redemption options
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.
- Welcome Offer: Earn 80,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership.
- Delta SkyMiles® Reserve Business Members receive 15 Visits each Medallion® Year to the Delta Sky Club® and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card in a calendar year.
- 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.
- Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main domestic, Caribbean, or Central American round-trip flight each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
- With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card. Enrollment required.
- 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. Enrollment required.
- 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 group 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.
- 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.
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- Generous free checked bag benefit
- SkyClub and Centurion Lounge membership (terms apply)
- Companion pass benefit
Cons
- High annual fee
- Limited reward redemption options
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.
- Welcome Offer: Earn 80,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership.
- Delta SkyMiles® Reserve Business Members receive 15 Visits each Medallion® Year to the Delta Sky Club® and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card in a calendar year.
- 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.
- Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main domestic, Caribbean, or Central American round-trip flight each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
- With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card. Enrollment required.
- 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. Enrollment required.
- 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 group 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.
- 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.
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- Generous free checked bag benefit
- SkyClub and Centurion Lounge membership (terms apply)
- Companion pass benefit
Cons
- High annual fee
- Limited reward redemption options
Marriott Bonvoy Business® American Express® Card
Best for Free hotel stays
Annual fee
$125
Rewards rate
2x-6x
Points
Intro offer
Up to 5 Free Night Awards
on American Express' website
Rates & Fees
Pros
- High rewards rate
- Automatic elite status
- Free night reward on cardholder anniversary
- New cardholder bonus offer
Cons
- Rewards have limited flexibility
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.
- WELCOME OFFER: Earn 3 Free Night Awards after you spend $6,000 in purchases and an extra 2 Free Night Awards after you spend an additional $3,000 in purchases on the Card 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 250,000 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 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. Award can be used for one night (redemption level at or under 35,000 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.
Rates & Fees
Pros
- High rewards rate
- Automatic elite status
- Free night reward on cardholder anniversary
- New cardholder bonus offer
Cons
- Rewards have limited flexibility
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.
- WELCOME OFFER: Earn 3 Free Night Awards after you spend $6,000 in purchases and an extra 2 Free Night Awards after you spend an additional $3,000 in purchases on the Card 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 250,000 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 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. Award can be used for one night (redemption level at or under 35,000 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.
Rates & Fees
Pros
- High rewards rate
- Automatic elite status
- Free night reward on cardholder anniversary
- New cardholder bonus offer
Cons
- Rewards have limited flexibility
Rippling Corporate Card
Best for Corporate card for travel
Annual fee
$0
Rewards rate
1.75%
Cashback
Intro offer
$0
on Rippling's website
Pros
- High rewards rate
- Card-level spending controls
- Supports employee reimbursements in more than 100 countries and receipt collection in multiple languages
- Rippling’s software suite includes HR, payroll and digital security tools
Cons
- Subscription may be required for businesses with more than 25 employees.
- Multiple recent changes to pricing, rewards offerings.
This corporate card earns cash back on every purchase and pairs with Rippling Travel, a built-in booking tool. Employees also get 24/7 live travel support. And companies get real-time visibility intro travel spending. This card is best for companies that have multiple employees traveling for work purposes. It is not available to sole proprietors.
- Pays up to 1.75% cash back with minimum spending and rewards do not expire.
- Total Control. Zero admin work: Rippling allows you to stop out-of-policy spending before it happens, so you can issue cards to employees without having to worry about purchasing things they shouldn’t. Unlike most Corporate Cards, Rippling allows you to build hyper-customizable policies using any HR data in your company. You can create policies based on the typical things – like vendor and dollar amount – as well as data within your org, like location, title, department, level, office location, tenure, and more. If you can think it, you can build it. This way, you don’t have to worry about an employee buying alcohol at a conference or the marketing team spending more than $X per month on AdWords.
- Global-Ready: Corporate Cards work seamlessly across 200+ countries and territories, and expenses are reimbursed quickly in 37+ currencies.
- Automatically Issue, Revoke, and Re-Assign Cards: With Rippling, when you hire an employee in your HRIS, you can automatically issue corporate cards with pre-set limits and policies based on their department, level, location, and more. And when an employee leaves, Rippling automatically disables their card and asks if you’d like to re-assign it to their manager or another employee.
- Unlimited Physical Cards for Every Employee & Unlimited Virtual Cards: Admins can instantly issue physical and virtual cards and employees can even request approval for virtual cards for everything from software subscriptions to digital advertising. And both physical and virtual cards work with Apple Pay and Google Pay.
- Out-of-the-box accounting integrations: Rippling seamlessly categorizes receipts with transactions and syncs spend with Quickbooks, Xero, NetSuite, Sage Intacct and more.
- Up to 20x higher credit limits than traditional business credit cards.
- Real-Time Spend Dashboards: Rippling allows you to view all of your physical and virtual cards in a single dashboard, and cut the data by any HR data in your company — location, department, team, level, work location, and more. You can even give managers the ability to view their teams' spending, right out of the box based on their role and level.
- All-in-One Spend Management: Corporate Card + Expense Management: The Rippling Corporate Card is integrated into and can be used alongside Rippling’s Expense Management Platform.
- Provides customers with $0 booking fees on Rippling Travel.
- Does not have interest charges; balances to be paid in full per customer’s repayment cycle.
- Supports direct integrations with accounting and ERP tools and card-level spending controls.
- Does not require a personal guarantee or credit check.
Pros
- High rewards rate
- Card-level spending controls
- Supports employee reimbursements in more than 100 countries and receipt collection in multiple languages
- Rippling’s software suite includes HR, payroll and digital security tools
Cons
- Subscription may be required for businesses with more than 25 employees.
- Multiple recent changes to pricing, rewards offerings.
This corporate card earns cash back on every purchase and pairs with Rippling Travel, a built-in booking tool. Employees also get 24/7 live travel support. And companies get real-time visibility intro travel spending. This card is best for companies that have multiple employees traveling for work purposes. It is not available to sole proprietors.
- Pays up to 1.75% cash back with minimum spending and rewards do not expire.
- Total Control. Zero admin work: Rippling allows you to stop out-of-policy spending before it happens, so you can issue cards to employees without having to worry about purchasing things they shouldn’t. Unlike most Corporate Cards, Rippling allows you to build hyper-customizable policies using any HR data in your company. You can create policies based on the typical things – like vendor and dollar amount – as well as data within your org, like location, title, department, level, office location, tenure, and more. If you can think it, you can build it. This way, you don’t have to worry about an employee buying alcohol at a conference or the marketing team spending more than $X per month on AdWords.
- Global-Ready: Corporate Cards work seamlessly across 200+ countries and territories, and expenses are reimbursed quickly in 37+ currencies.
- Automatically Issue, Revoke, and Re-Assign Cards: With Rippling, when you hire an employee in your HRIS, you can automatically issue corporate cards with pre-set limits and policies based on their department, level, location, and more. And when an employee leaves, Rippling automatically disables their card and asks if you’d like to re-assign it to their manager or another employee.
- Unlimited Physical Cards for Every Employee & Unlimited Virtual Cards: Admins can instantly issue physical and virtual cards and employees can even request approval for virtual cards for everything from software subscriptions to digital advertising. And both physical and virtual cards work with Apple Pay and Google Pay.
- Out-of-the-box accounting integrations: Rippling seamlessly categorizes receipts with transactions and syncs spend with Quickbooks, Xero, NetSuite, Sage Intacct and more.
- Up to 20x higher credit limits than traditional business credit cards.
- Real-Time Spend Dashboards: Rippling allows you to view all of your physical and virtual cards in a single dashboard, and cut the data by any HR data in your company — location, department, team, level, work location, and more. You can even give managers the ability to view their teams' spending, right out of the box based on their role and level.
- All-in-One Spend Management: Corporate Card + Expense Management: The Rippling Corporate Card is integrated into and can be used alongside Rippling’s Expense Management Platform.
- Provides customers with $0 booking fees on Rippling Travel.
- Does not have interest charges; balances to be paid in full per customer’s repayment cycle.
- Supports direct integrations with accounting and ERP tools and card-level spending controls.
- Does not require a personal guarantee or credit check.
Pros
- High rewards rate
- Card-level spending controls
- Supports employee reimbursements in more than 100 countries and receipt collection in multiple languages
- Rippling’s software suite includes HR, payroll and digital security tools
Cons
- Subscription may be required for businesses with more than 25 employees.
- Multiple recent changes to pricing, rewards offerings.
Jump to
Other great business credit cards for travel
How we chose the best business travel credit cards
Which business travel credit cards we consider
What's new with business travel cards?
What is a business travel credit card?
What types of business travel credit cards are there?
Who can get a business travel card?
How to get the most value from your business travel card
Should you use a corporate card for business travel?
How much are credit cards for business travel?
Why are business travel cards expensive?
What other travel benefits do business cards offer?
Which card has the best travel protections?
Should you use a cash-back card for business travel?
What is the best business credit card for airline miles?
Table of Contents
- Other great business credit cards for travel
- How we chose the best business travel credit cards
- Which business travel credit cards we consider
- What's new with business travel cards?
- What is a business travel credit card?
- What types of business travel credit cards are there?
- Who can get a business travel card?
- How to get the most value from your business travel card
- Should you use a corporate card for business travel?
- How much are credit cards for business travel?
- Why are business travel cards expensive?
- What other travel benefits do business cards offer?
- Which card has the best travel protections?
- Should you use a cash-back card for business travel?
- What is the best business credit card for airline miles?
Other great business credit cards for travel
The following cards didn’t make our editorial team’s top picks (jump to our methodology). But we’d still recommend them if they fit your specific needs.
NerdWallet star rating: 4.2
This card stands out in two ways: It has no annual fee and offers an intro APR period — both uncommon features for a business travel card. It also earns a very respectable 1.5 points per $1 spent. And Bank of America sweetens the pot for qualifying Preferred Rewards for Business members; they can get up to 2.62 points per $1.
Bank of America
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
NerdWallet Rating
4.2
Annual Fee
$0
on Bank of America's website
NerdWallet star rating: 4.6
The U.S. Bank Business Altitude® Connect Visa Signature® Card 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 in the Travel Center. But you can't transfer points to any travel partners. And you're limited in how many points you can pool between U.S. Bank cards.
NerdWallet Rating
4.6
Annual Fee
$95
on U.S. Bank's website
NerdWallet star rating: 5
This Southwest card comes with a slew of perks for business owners, including in-flight Wi-Fi credits and bonus points to qualify for companion passes and elite status. It also has statement credits for trusted traveler programs (Global Entry, TSA PreCheck or NEXUS). But Southwest has a smaller footprint than Delta or United, operating fewer flights and routes in the U.S. and abroad.
NerdWallet Rating
5.0
Annual Fee
$299
on Chase's website
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
Our editorial team evaluated more than 70 business cards for 2026. This included 30 we categorize as “business travel” (learn more on how we define this).
We rate cards on more than a dozen factors, including rewards, perks and costs. Cards needed to earn at least 4.5 stars to make our list of the best business travel cards.
Beyond that, we based our picks on:
- Redemption value of points/miles for travel.
- Credits for programs like TSA PreCheck®.
- Perks like airport lounge access.
- Reward redemption flexibility.
We narrowed our choices to the cards that offer the most value to the most business owners.
That left some cards off this list, even though they earn travel points or miles. These cards are still a fit for some businesses.
If you want points coupled with an intro APR period, for example, the Bank of America® Business Advantage Travel Rewards World Mastercard® credit card and The Blue Business® Plus Credit Card from American Express are great options. Do most of your business travel via Southwest Airlines? Then the Southwest® Rapid Rewards® Performance Business Credit Card is a no-brainer.
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
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 2026 (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 Venture Business. Capital One VentureOne Business. Capital One Venture X Business. Chase Ink Business Preferred. 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's new with business travel cards?
Travel rewards programs and partnerships have changed a lot in recent years. Here’s a rundown of the most notable updates to business travel cards in the last 12 months:
April 2026: The Capital One Spark Miles card became the Capital One Venture Business card. Along with the new name comes a few new perks. Namely, two new annual credits: $50 for travel bookings via Capital One Business Travel and up to $50 for purchases at qualifying advertising and software merchants. The newly minted Venture Business card carries a $95 annual fee (see ). Capital One used to waive that for the Spark Miles card, but doesn't anymore. The Spark® Miles Select also got a new name: the Capital One VentureOne Business card. The benefits for this card remain the same.
American Express also announced the end of its transfer partnership with Eithad. The change is effective June 30, 2026.
January 2026: Chase reverted the annual fee structure for its United℠ Business Card. Instead of $0 for the first year and $150 thereafter, you pay $150 from the jump. That matches how the card's annual fee worked prior to May 2025. Even with the increase, we still think this is a valuable airline card for United fans. (Chase also upped the welcome offer, which helps with that.)
December 2025: Chase added 5X total points on Lyft rides through 9/30/27 to the Ink Business Preferred® Credit Card. That elevated rate was previously available on a couple of the issuer's cash-back business cards. Including it on the Ink Business Preferred® Credit Card amps up the potential value, especially if you rely on ride-share while traveling for business.
September 2025: American Express increased the fee of the American Express Business Platinum to $895. It's once again the most expensive business credit card we track. The issuer introduced new perks to help offset that bigger price tag. Whether they actually will or not depends on the cardholder. Read our full write-up.
Capital One also made news, introducing three new transfer partners. Eligible cardholders can now transfer points to Japan Airlines and Qatar Airways, as well as I Prefer Hotel Rewards loyalty programs.
June 2025: Chase devalued Ultimate Rewards points earned on the Ink Business Preferred® Credit Card and other premium cards. Chase Ink Business Preferred points used to be worth 1.25 cents each, giving it an edge over the other business travel cards. Now, points earned on all Chase rewards cards are worth 1 cent per point. Alongside this change, Chase introduced Points Boost, which can increase point values as high as 2 cents per point via Chase Travel. But Points Boost availability varies.
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 Venture 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.
Who can get a business travel card?
Anyone who earns money outside of a regular job can get a business travel card. That includes freelancers, side hustlers, Airbnb hosts and independent contractors, as well as entrepreneurs with a registered business.
Most issuers will ask for a business name, Social Security number or Employer Identification Number and an estimate of your annual business income. New businesses can qualify with no business revenue. Issuers base approval largely on your personal income and credit score. You need a score of 690 or higher to qualify for most business travel cards.
How to get the most value from your business travel card
- Pool points across personal and business cards. If you have multiple cards from the same issuer (business and personal) you can often combine their points. This gives you a larger cache to pull from when you want to redeem rewards for travel.
- Use your credits — every year. The Business Platinum and Sapphire Reserve for Business both offer annual credits that offset their high annual fees. Take note of when they reset — some credits are quarterly, others are tied to your card anniversary or the calendar year — and set a reminder to use them.
- Redeem through transfer partners, not just portals. Redeeming points through your card's travel portal gets you around 1 cent per point. Transferring to an airline or hotel partner can get you more bang per point, especially on business class flights and luxury hotels. Most transfers are at a 1:1 ratio and are available with the partner program instantly.
Compare transfer partners for AmEx, Capital One and Chase
| Transfer partner | Type | AmEx | Capital One | Chase |
|---|---|---|---|---|
| Air Canada Aeroplan | Airline | 1:1 | 1:1 | 1:1 |
| Air France-KLM Flying Blue | Airline | 1:1 | 1:1 | 1:1 |
| British Airways Club | Airline | 1:1 | 1:1 | 1:1 |
| JetBlue TrueBlue | Airline | 2.5:2 | 5:3 | 1:1 |
| Singapore KrisFlyer | Airline | 1:1 | 1:1 | 1:1 |
| Virgin Atlantic Flying Club | Airline | 1:1 | — | 1:1 |
| Virgin Red | Airline | — | 1:1 | — |
| World of Hyatt | Hotel | — | — | 1:1 |
| Hilton Honors | Hotel | 1:2 | — | — |
| Wyndham Rewards | Hotel | — | 1:1 | 1:1 |
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 VentureOne Business (formerly known as the Spark® Miles Select for Business).
A number of issuers offer premium cards with fees to match. There's been a race to the top in 2025. Chase launched the Sapphire Reserve for Business℠ at $795. A few months later, the American Express Business Platinum raised its annual fee to $895.
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 Business Travel. That is $95 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.
🤓
The annual fee on your business credit card can be tax deductible if you use the card exclusively for business purposes. Nerdy Tip
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, but often include:
- Rental car coverage (primary or secondary).
- 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.
Which card has the best travel protections?
The Sapphire Reserve for Business℠ offers the most comprehensive travel protections. It's also one of the most expensive business cards on the market. See how it compares to other top-rated general-purpose business travel cards.
| The Blue Business® Plus Credit Card from American Express | Chase Ink Business Preferred | Capital One Venture Business | Capital One Venture X Business | American Express® Business Gold Card | Chase Sapphire Reserve for Business℠ | The Business Platinum Card® from American Express | |
|---|---|---|---|---|---|---|---|
| Annual Fee | $0 | $95 | $95 (See | $395 | $375 | $795 | $895 |
| Primary Rental Car Coverage | — | ✓ | ✓ | ✓ | — | ✓ | — |
| Trip Delay Reimbursement | — | ✓ | — | — | ✓ | ✓ | ✓ |
| Trip Cancellation & Interruption | — | ✓ | ✓ | ✓ | — | ✓ | ✓ |
| Baggage Delay Insurance | — | ✓ | ✓ | ✓ | — | ✓ | — |
| Lost Luggage Reimbursement | — | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Travel Accident Insurance | — | ✓ | ✓ | ✓ | — | ✓ | — |
| Emergency Medical & Dental | — | — | — | — | — | ✓ | — |
| Emergency Evacuation & Transport | — | — | — | — | — | ✓ | ✓ |
| Coverage terms, limits and eligibility vary by card and situation. Always verify in each card's official guide to benefits. | |||||||
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 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.
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.
View of Capital One Venture X Business.
View of Capital One Venture Business.
Information related to the Citi® / AAdvantage Business™ World Elite 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.
AmEx insurance benefit disclosures:
Trip Delay Insurance and Trip Cancellation and Interruption Insurance
• Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
• Please visit americanexpress.com/benefitsguide for more details.
• Underwritten by New Hampshire Insurance Company, an AIG Company.
Baggage Delay Insurance and Car Rental Loss & Damage Insurance
• Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.• Please visit americanexpress.com/benefitsguide for more details.• Underwritten by AMEX Assurance Company.
Global Assist Hotline
• Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.• Please visit americanexpress.com/benefitsguide for more details.• Card Members are responsible for the costs charged by third-party service providers.
Premium Global Assist Hotline
• Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
• Please visit americanexpress.com/benefitsguide for more details.
• If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.
Methodology
NerdWallet's writers and editors monitor more than 70 business credit cards to select the best options 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).
We consider more than 20 data points for each card we score, including detailed information about rewards, credits and fees. We gather this information from rates and fees documents, deposit account agreements, financial institution websites and company representatives.
Our editorial team regularly reviews and updates our data to ensure consistency and accuracy. We also update our scoring on an ongoing basis to reflect changing industry norms and business owner needs. For instance, in 2026, we added a small deduction for cards that don’t allow users to issue virtual cards and removed the small increase for cards with no preset spending limit.
Final star ratings range from one to five stars. A five-star score represents the best available product for the largest number of business owners. Learn how NerdWallet rates small-business credit cards.