9 Best Business Credit Cards for Travel in 2022


Editor’s note: This is a recurring post with regularly updated card details.

When you’re looking for the best business travel card, consider what rewards would be the most valuable to you. Some cards offer miles, points, or cash back, perks, such as lounge access or room upgrades, and some are specific to a particular airline or hotel.

How often do you travel, and do you take domestic or international trips? Keep in mind that annual fees for travel credit cards are among the highest, so take full advantage of all the perks, benefits, and discounts the card offers to maximize its use.

Here are the best business credit cards for travel:

The COVID-19 pandemic may affect some of the services and benefits of these travel credit cards. Be sure to check the issuer’s website and the Centers for Disease Control and Prevention (CDC) for the latest information on travel safety and requirements.

Capital One® Spark® Miles for Business: Best Overall Business Credit Card for Travel

Capital One® Spark® Miles for Business

?Fit Small Business’s ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card’s rates, fees, rewards, and additional features like insurance.

Unlimited 2x miles with every swipe



Apply Now

on Capital One® Spark® Miles for Business’s secure website.

Regular APR

20.99% (Variable)

Annual Fee

$0 intro for first year; $95 after that

Credit Needed

Excellent, Good

  • Introductory reward worth $500 in travel after you spend $4,500 within the first three months
  • 2x miles per $1 spent
  • Issue employee cards for free
Pros
  • No foreign transaction fees
  • TSA Pre✓® or Global Entry application fee credit
Cons
  • You’ll pay an annual fee after the first year
  • Doesn’t offer interest-free financing
  • Airport security screening reimbursement: Either a $100 statement credit for Global Entry or an $85 statement credit for TSA Pre✓® once every four years.
  • Purchase assurance:  Most purchases made entirely with your card are covered if damaged or stolen within 90 days from the date of purchase. Coverage is limited to $10,000 per claim and $50,000 per cardholder account per 12 month period.
  • Extended warranty coverage: Doubles the original warranty time period and duplicates the coverage of the original manufacturer’s warranty up to a maximum of 12 months on most items you purchase. 
  • Travel medical emergency assitance: Provide referrals to medical services if you have a medical emergency while traveling. You’re covered if you’re 100 or more miles away from home and from the day you leave until midnight of the 60th day of your trip, or the day you return to your city of residence, whichever is sooner.
Regular APR

20.99% (Variable)

Annual Fee

$0 intro for first year; $95 after that

Credit Needed

Excellent, Good

  • Introductory reward worth $500 in travel after you spend $4,500 within the first three months
  • 2x miles per $1 spent
  • Issue employee cards for free
Pros
  • No foreign transaction fees
  • TSA Pre✓® or Global Entry application fee credit
Cons
  • You’ll pay an annual fee after the first year
  • Doesn’t offer interest-free financing
  • Airport security screening reimbursement: Either a $100 statement credit for Global Entry or an $85 statement credit for TSA Pre✓® once every four years.
  • Purchase assurance:  Most purchases made entirely with your card are covered if damaged or stolen within 90 days from the date of purchase. Coverage is limited to $10,000 per claim and $50,000 per cardholder account per 12 month period.
  • Extended warranty coverage: Doubles the original warranty time period and duplicates the coverage of the original manufacturer’s warranty up to a maximum of 12 months on most items you purchase. 
  • Travel medical emergency assitance: Provide referrals to medical services if you have a medical emergency while traveling. You’re covered if you’re 100 or more miles away from home and from the day you leave until midnight of the 60th day of your trip, or the day you return to your city of residence, whichever is sooner.

Why we like it: The best feature of the Capital One® Spark® Miles for Business card is its simplicity: earn 2x miles on every single business purchase. If you use this card to book hotels and rental cars with Capital One Travel, you can earn 5x miles per $1 with no blackout dates or seat restrictions. If your travel expenses are varied, don’t worry about spending categories or keeping track of limits, and there’s no limit to the number of reward miles you can earn.

Redeem your earned miles for flights or hotels or transfer your miles to one of Capital One’s 19 travel partners like Air France, Cathay Pacific, Emirates, and Qantas. If you prefer not to be limited to its travel partners, you can also apply miles earned toward any qualifying travel purchase by using Capital One’s Purchase Eraser, worth 1 cent per 1 Capital One mile. Regardless of who you purchased from, you can apply rewards miles toward flights, hotels, rail lines, car rentals, limousine services, taxis, and rideshare.

Within the first three months of opening an account, spend $4,500 on purchases and earn 50,000 miles, which is equal to $500 in travel. Many travel cards have high annual fees that accompany perks and benefits, but the Capital One® Spark® Miles for Business card charges $0 the first year and just $95 each year after. Plus there’s no foreign transaction fee. This card is straightforward and easy to use, which is why we selected it as our best overall business credit card for travel and our best overall business credit card for miles.

American Express Business Platinum Card®: Best for Luxury International Travel

The Business Platinum Card® from American Express

?Fit Small Business’s ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card’s rates, fees, rewards, and additional features like insurance.

Gaining access to unrivaled travel rewards and luxury travel perks like airport lounge access



Apply Now

on The Business Platinum Card® from American Express’s secure website.

Intro APR

See Pay Over Time APR

Regular APR

14.24% – 22.24% Variable

Annual Fee

$595 (10/14-1/12/22)

Credit Needed

Good, Excellent

  • Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
  • Plus, 0% Intro APR for 12 months from the date of the account opening on purchases eligible for Pay Over Time. After that, your APR will be 14.24% to 22.24% based on your credit worthiness and other factors as determined at the time of account opening.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Earn 1.5X Membership Rewards® points on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else. Cap applies. 
  • Unlock over $1,000 in value per year for statement credits on select purchases with your Card, including up to $400 with Dell Technologies, up to $360 with Indeed, up to $150 with Adobe and up to $120 on wireless telephone purchases. Enrollment required.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year toward baggage fees and more at one qualifying airline.
  • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
  • Access to more than 1,300 airport lounges across 140 countries and counting with The American Express Global Lounge Collection®. More lounge options than any other credit card on the market as of 8/2020.
  • $595 Annual Fee ($695 if application is received on or after 01/13/2022).
  • Terms Apply.
Pros
  • Premium travel rewards
  • Free access to more than 1,300 airport lounges worldwide
  • No foreign transaction fees
Cons
  • Balance is due in full monthly
  • High annual fee
  • American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
  • Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,300 lounges worldwide for you and two guests.
  • Airport screening: Either a $100 statement credit for Global Entry every four years or $85 statement credit for TSA Pre✓® once every 4 1/2 years.
  • Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
  • Rental status: Elite status at a number of car rental agencies.
  • Free Wi-Fi: 10 annual free Gogo inflight Wi-Fi passes.
  • Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 500,000 bonus points per calendar year.
  • Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
Intro APR

See Pay Over Time APR

Regular APR

14.24% – 22.24% Variable

Annual Fee

$595 (10/14-1/12/22)

Credit Needed

Good, Excellent

  • Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
  • Plus, 0% Intro APR for 12 months from the date of the account opening on purchases eligible for Pay Over Time. After that, your APR will be 14.24% to 22.24% based on your credit worthiness and other factors as determined at the time of account opening.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Earn 1.5X Membership Rewards® points on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else. Cap applies. 
  • Unlock over $1,000 in value per year for statement credits on select purchases with your Card, including up to $400 with Dell Technologies, up to $360 with Indeed, up to $150 with Adobe and up to $120 on wireless telephone purchases. Enrollment required.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year toward baggage fees and more at one qualifying airline.
  • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
  • Access to more than 1,300 airport lounges across 140 countries and counting with The American Express Global Lounge Collection®. More lounge options than any other credit card on the market as of 8/2020.
  • $595 Annual Fee ($695 if application is received on or after 01/13/2022).
  • Terms Apply.
Pros
  • Premium travel rewards
  • Free access to more than 1,300 airport lounges worldwide
  • No foreign transaction fees
Cons
  • Balance is due in full monthly
  • High annual fee
  • American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
  • Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,300 lounges worldwide for you and two guests.
  • Airport screening: Either a $100 statement credit for Global Entry every four years or $85 statement credit for TSA Pre✓® once every 4 1/2 years.
  • Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
  • Rental status: Elite status at a number of car rental agencies.
  • Free Wi-Fi: 10 annual free Gogo inflight Wi-Fi passes.
  • Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 500,000 bonus points per calendar year.
  • Dell statement credit: Up to $400 in statement credits annually for Dell purchases.

Why we like it: If you travel overseas often and appreciate luxury, travel perks are nonstop with the American Express Business Platinum Card®, one of our choices for best small business credit cards and best overall business credit card with lounge access. As a Business Platinum cardholder, you’re eligible for:

  • Car rental upgrades
  • Gold status at Marriott Bonvoy and Hilton Hotels and resorts
  • Complimentary access to The Centurion Lounge―1,300 airport lounges in 140 countries around the world
  • $200 airline credit for incidentals, such as checked bags and refreshments, per calendar year
  • Annual statement credit when you pay for CLEAR, Global Entry, or TSA pre-check
  • 5x Membership Rewards® points on flights and prepaid hotels booked through Amex Travel
  • Returned points: redeem Membership Rewards® points for part or all of a flight booked through Amex Travel, and get 35% of those points returned to you, up to 500,000 points per calendar year
  • Business Platinum Travel Service, for personalized recommendations and itineraries

Book hotels through the American Express Premium Hotel Program and stay at over 1,800 properties through Fine Hotels + Resorts® and The Hotel Collection. During your stay, you can apply an experience credit valued at $100 or more toward food and beverages, spa services, a round of golf for two, or a private ride to the airport.

In addition to redeeming Membership Rewards® points for travel, you can use points toward high-quality merchandise, technology, Apple® products, home and outdoor, and gift cards. You can also transfer points to a loyalty program. Select from 17 domestic and international airlines and three hotels: Choice Privileges®, Hilton Honors, or Marriott BonvoyTM.

While there is a $695 annual fee, benefit from the card right away with a 0% APR in the first 12 months and by earning 100,000 points after spending $15,000 in the first three months of card ownership.

American Express® Business Gold Card: Best for 4x Points Where You Spend the Most

American Express® Business Gold Card

?Fit Small Business’s ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card’s rates, fees, rewards, and additional features like insurance.

Maximizing rewards in the two categories where you spend the most



Apply Now

on American Express® Business Gold Card’s secure website.

Regular APR

14.24% – 22.24% Variable

Credit Needed

Good, Excellent

  • Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
  • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
  • AIRLINE BONUS: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
  • PAY OVER TIME OPTION: Decide whether you want to pay eligible purchases in full each month—or pay over time with interest.*
  • *Terms Apply
Pros
  • Earn 4x points in two categories every month
  • Pay eligible charges over time with interest, or pay your balance in full monthly
Cons
  • You’ll pay a high annual fee of $295
  • No interest-free financing opportunities
  • Premium roadside assistance: Free of charge up to four times a year. You can receive towing up to 10 miles, winching, jump starts, flat tire change, lockout service when the key is in the vehicle, and delivery of up to two gallons of gas
  • Return protection: American Express will refund you for eligible purchases when the store doesn’t accept returns of undamaged items. Coverage is limited to 90 days from purchase, up to $300 per item, and up to a maximum of $1,000 per year.
  • Baggage insurance: If your baggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on luggage and $500 for checked bags
  • Extended warranty: Receive one additional year of coverage on purchases with eligible warranties of five years or less
  • Purchase protection: Covers new purchases against damage or theft within 90 days of purchase. Coverage is limited to $1,000 per incident.
Regular APR

14.24% – 22.24% Variable

Credit Needed

Good, Excellent

  • Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
  • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
  • AIRLINE BONUS: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
  • PAY OVER TIME OPTION: Decide whether you want to pay eligible purchases in full each month—or pay over time with interest.*
  • *Terms Apply
Pros
  • Earn 4x points in two categories every month
  • Pay eligible charges over time with interest, or pay your balance in full monthly
Cons
  • You’ll pay a high annual fee of $295
  • No interest-free financing opportunities
  • Premium roadside assistance: Free of charge up to four times a year. You can receive towing up to 10 miles, winching, jump starts, flat tire change, lockout service when the key is in the vehicle, and delivery of up to two gallons of gas
  • Return protection: American Express will refund you for eligible purchases when the store doesn’t accept returns of undamaged items. Coverage is limited to 90 days from purchase, up to $300 per item, and up to a maximum of $1,000 per year.
  • Baggage insurance: If your baggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on luggage and $500 for checked bags
  • Extended warranty: Receive one additional year of coverage on purchases with eligible warranties of five years or less
  • Purchase protection: Covers new purchases against damage or theft within 90 days of purchase. Coverage is limited to $1,000 per incident.

Why we like it: If you’re looking for an American Express® card for travel with a not-so-steep annual fee, the American Express® Business Gold Card may be the right fit. The highlight of this card is that your spending habits determine where your rewards points go. For the first $150,000 in combined purchases, you get 4x Membership Rewards® points per $1 on the two categories where your business spends the most, including airfare purchased directly from airlines. Get 25% of your points back if you redeem your Membership Rewards® points through Amex Travel, up to 250,000 points back each calendar year.

You can quickly recoup the $295 annual fee with 4x Membership Rewards® points earned on everyday expenses, such as advertising―online, television, and radio―United States gas stations, and US restaurants, including takeout and delivery. One-time or recurring purchases of computer hardware, software, and cloud solutions are also eligible, and 1x points can be earned on all other purchases.

As a welcome offer, earn 70,000 Membership Rewards® points after spending $10,000 on eligible purchases within the first three months of card ownership.

Chase Ink Business Preferred®: Best for Its Introductory Bonus

Ink Business Preferred® Credit Card

?Fit Small Business’s ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card’s rates, fees, rewards, and additional features like insurance.

Maximizing travel rewards at a lower annual fee



Apply Now

On Chase’s Secure Website

Regular APR

15.99% – 20.99% Variable

  • Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That’s $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • 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 Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
  • With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
  • Redeem points for cash back, gift cards, travel and more – your points don’t expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Pros
  • Opportunity to boost the value of reward points
  • Offers cellphone protection and trip cancellation insurance
Cons
  • Doesn’t offer an interest-free financing period
  • Charges an annual fee
  • Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.
  • Cellphone protection: You and the employees named on the phone bill you pay for with your card are covered for up to $600 in theft or damages per claim. You are limited to three claims per 12-month period, with a $100 deductible per claim.
  • Trip cancellation and delay insurance: If your trip is canceled, you can be compensated up to $15,000 for prepaid expenses such as airfare or hotels. If your trip is delayed for 12 hours or more, you can be reimbursed up to $500 for your hotel room, meals, and transportation.
Regular APR

15.99% – 20.99% Variable

Credit Needed

Good, Excellent

  • Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That’s $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • 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 Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
  • With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
  • Redeem points for cash back, gift cards, travel and more – your points don’t expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Pros
  • Opportunity to boost the value of reward points
  • Offers cellphone protection and trip cancellation insurance
Cons
  • Doesn’t offer an interest-free financing period
  • Charges an annual fee
  • Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.
  • Cellphone protection: You and the employees named on the phone bill you pay for with your card are covered for up to $600 in theft or damages per claim. You are limited to three claims per 12-month period, with a $100 deductible per claim.
  • Trip cancellation and delay insurance: If your trip is canceled, you can be compensated up to $15,000 for prepaid expenses such as airfare or hotels. If your trip is delayed for 12 hours or more, you can be reimbursed up to $500 for your hotel room, meals, and transportation.

Why we like it: Why wait for ages to accumulate points to apply toward travel? If you make purchases using your Chase Ink Business Preferred® card totaling $15,000 during the first three months of card ownership, you get 100,000 bonus points. This is the equivalent of $1,000 cash back or $1,250 when you purchase travel through Chase Ultimate Rewards®. When you redeem points to book business trips through Chase Ultimate Rewards®, points are worth 25% more.

Earn 3 points per $1 on:

  • Your first $150,000 spent on travel
  • Internet, cable, phone, and shipping expenses
  • Social media and search engine advertising on Google, Facebook, and Yahoo

You get 1 point per $1 on all other purchases. Redeem your points for over 175 brands of gift cards, travel, merchandise, cash back as a statement credit, Chase DiningSM, or Apple® products through Chase Ultimate Rewards®. Earn points when you spend up to $150,000 in combined purchases each account anniversary year. This card has a low annual fee of $95.

Hilton Honors American Express Business Card: Best for Stays at Hilton Hotels and Resorts Worldwide

The Hilton Honors American Express Business Card

Maximizing rewards on Hilton-related purchases



Apply Now

on The Hilton Honors American Express Business Card’s secure website.

Regular APR

15.74% – 24.74% Variable

Credit Needed

Good, Excellent

  • Welcome Offer: Earn up to 180,000 Hilton Honors Bonus Points. Earn 130,000 Bonus Points after you spend $2,000 in purchases on the Hilton Honors Business Card in the first 3 months of Card Membership. Plus, you can earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $10,000 in purchases on the Card in the first 6 months.
  • Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X on all other eligible purchases. Terms & Limitations Apply.
  • Enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
  • Earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
  • Terms apply.
Pros
  • Low annual fee
  • No foreign transaction fees
  • Complimentary Hilton Gold Status
Cons
  • Redemption options other than hotel stays are poor
  • Balance transfers not allowed
  • No 0% introductory APR
  • Complimentary Gold Status: You will receive complimentary Hilton Honors Gold Status, which gets you additional benefits like complimentary breakfast and rollover nights.
  • Free weekend night reward: Earn a free weekend night reward after you spend $15,000 in one year; earn a second weekend night reward after you spend $60,000 in one year.
  • Purchase protection: Covers your purchases for 120 days from purchase date if they’re damaged or stolen; coverage is limited to $1,000 per item and $50,000 per year.
  • Extended warranty protection: Offers up to an additional two years of coverage on manufacturers’ warranties of five years or less.
Regular APR

15.74% – 24.74% Variable

Credit Needed

Good, Excellent

  • Welcome Offer: Earn up to 180,000 Hilton Honors Bonus Points. Earn 130,000 Bonus Points after you spend $2,000 in purchases on the Hilton Honors Business Card in the first 3 months of Card Membership. Plus, you can earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $10,000 in purchases on the Card in the first 6 months.
  • Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X on all other eligible purchases. Terms & Limitations Apply.
  • Enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
  • Earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
  • Terms apply.
Pros
  • Low annual fee
  • No foreign transaction fees
  • Complimentary Hilton Gold Status
Cons
  • Redemption options other than hotel stays are poor
  • Balance transfers not allowed
  • No 0% introductory APR
  • Complimentary Gold Status: You will receive complimentary Hilton Honors Gold Status, which gets you additional benefits like complimentary breakfast and rollover nights.
  • Free weekend night reward: Earn a free weekend night reward after you spend $15,000 in one year; earn a second weekend night reward after you spend $60,000 in one year.
  • Purchase protection: Covers your purchases for 120 days from purchase date if they’re damaged or stolen; coverage is limited to $1,000 per item and $50,000 per year.
  • Extended warranty protection: Offers up to an additional two years of coverage on manufacturers’ warranties of five years or less.

Why we like it: If you love staying at one of 6,500 upscale and luxury Hilton properties around the world, make the most of each visit with the Hilton Honors American Express Business Card. Earn 12x Honors Bonus points for purchases made directly with Hilton hotels and resorts and indulge in automatic Hilton Honors Gold Status, which includes:

  • Priority PassTM Select lounge access (10 complimentary visits to 1,000 elite airport lounges around the world—enrollment required)
  • One free weekend night after spending $15,000 in a calendar year
  • Complimentary room upgrades
  • Food and beverage credit
  • 80% points earning bonus on hotel stays (earn 18 points for every $1)
  • No foreign transaction fees

You can also earn 6x Honors Bonus points for flights and select car rentals, purchases at US restaurants, including takeout and delivery, US gas stations, US wireless phone services, and shipping. Earn 3x Honors Bonus points on all other purchases, including foreign transactions.

As a generous welcome bonus, earn 130,000 points after you spend $2,000 in eligible purchases in the first three months of card ownership. Plus, you can earn an additional 50,000 points after you spend a total of $10,000 in the first six months, and your annual fee is only $95. For your convenience, you can always transfer American Express Membership Rewards® points over to Hilton Honors Bonus points.

Marriott Bonvoy BusinessTM American Express Card: Best for Stays at Marriott Properties Worldwide

Marriott Bonvoy Business™ American Express® Card

?Fit Small Business’s ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card’s rates, fees, rewards, and additional features like insurance.

Owners who choose to stay at Marriott Bonvoy hotels



Apply Now

on Marriott Bonvoy Business™ American Express® Card’s secure website.

Regular APR

15.74% – 24.74% Variable

Credit Needed

Good, Excellent

  • Welcome Offer: Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in eligible purchases within the first 3 months of Card Membership. Plus, earn up to $150 back in statement credits on eligible purchases made on your new Card within the first 3 months of Card Membership.
  • 6x points at hotels participating in the Marriott Bonvoy™ program.
  • 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 hotels participating in the Marriott Bonvoy™ program. Certain hotels have resort fees.
  • Enjoy complimentary Marriott Bonvoy Silver Elite status with your Card. Plus, earn Gold Elite status after making $35,000 in eligible purchases on your Card in a calendar year.
  • Terms apply.
Pros
  • You’ll enjoy complimentary Marriott Bonvoy Silver Elite status
  • Earn 6x points per $1 spent at participating Marriott Bonvoy hotels
Cons
  • You’ll pay a $125 annual fee
  • Points are worth less when redeemed for less expensive hotels
  • Baggage insurance: Covers the loss of any checked or carry-on baggage in direct transit from a common carrier or terminal. Coverage is limited to $1,250.
  • Purchase protection: Covers purchased items from theft or damage for the first 120 days from purchase. Coverage is limited to $10,000 per claim and $50,000 per year.
  • Extended warranty protection: Offers up to an additional two years of warranty coverage on U.S. manufacturers’ warranties of five years or less.
  • Complimentary Silver Elite status: Receive complimentary Marriott Bonvoy Silver Elite status and have access to exclusive benefits, such as 25% bonus points on purchases at participating hotels, priority late checkout, and access to an elite reservation line.
Regular APR

15.74% – 24.74% Variable

Credit Needed

Good, Excellent

  • Welcome Offer: Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in eligible purchases within the first 3 months of Card Membership. Plus, earn up to $150 back in statement credits on eligible purchases made on your new Card within the first 3 months of Card Membership.
  • 6x points at hotels participating in the Marriott Bonvoy™ program.
  • 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 hotels participating in the Marriott Bonvoy™ program. Certain hotels have resort fees.
  • Enjoy complimentary Marriott Bonvoy Silver Elite status with your Card. Plus, earn Gold Elite status after making $35,000 in eligible purchases on your Card in a calendar year.
  • Terms apply.

See Full Editorial Review Here

Pros
  • You’ll enjoy complimentary Marriott Bonvoy Silver Elite status
  • Earn 6x points per $1 spent at participating Marriott Bonvoy hotels
Cons
  • You’ll pay a $125 annual fee
  • Points are worth less when redeemed for less expensive hotels
  • Baggage insurance: Covers the loss of any checked or carry-on baggage in direct transit from a common carrier or terminal. Coverage is limited to $1,250.
  • Purchase protection: Covers purchased items from theft or damage for the first 120 days from purchase. Coverage is limited to $10,000 per claim and $50,000 per year.
  • Extended warranty protection: Offers up to an additional two years of warranty coverage on U.S. manufacturers’ warranties of five years or less.
  • Complimentary Silver Elite status: Receive complimentary Marriott Bonvoy Silver Elite status and have access to exclusive benefits, such as 25% bonus points on purchases at participating hotels, priority late checkout, and access to an elite reservation line.

Why we like it: When you’re loyal to Marriott, the largest hotel chain in the world (that includes the Ritz-Carlton and St. Regis hotels), signing up for the Marriott Bonvoy BusinessTM American Express® Card gives you plenty in return. One of the best perks this card offers is one free night each year after your account anniversary, and another free night after spending $60,000 in purchases in one calendar year. Complimentary Silver Elite Status comes with the card, which includes:

  • Exclusive member rates
  • 10% more points earned on stays, including room cost and incidental charges
  • Priority late checkout
  • Combine cash and points to book and pay for your room

Within the first three months, spend $3,000 and gain 75,000 points, plus earn up to $150 back in statement credits on eligible purchases. You can earn 6x Marriott Bonvoy points at Marriott Bonvoy properties or on purchases through their online store. Earn 4x points at US gas stations, restaurants, shipping, and wireless phone services, and 2x points on all other eligible purchases. If you’d like to use your points but don’t have enough for a redemption, you can transfer either Membership Rewards® points from American Express or Chase Ultimate Rewards® points over to Marriott Bonvoy points.

Bank of America® Business Advantage Travel Rewards World Mastercard®: Best for No Annual Fee and No Foreign Transaction Fee

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

?Fit Small Business’s ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card’s rates, fees, rewards, and additional features like insurance.

Earning top rewards on travel purchases booked through Bank of America



Apply Now

on Bank of America® Business Advantage Travel Rewards World Mastercard® credit card’s secure website.

Intro APR

0%
9 billing cycles

Regular APR

12.24% – 22.24% Variable APR on purchases

  • 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 toward travel purchases.
  • Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time―no matter how much you spend. Points don’t expire.
  • Earn 3 points per every dollar spent on travel purchases like car, hotel, and airline booked through the Bank of America® Travel Center.
  • No annual fee and no international transaction fees.
  • 0% Introductory APR on purchases for your first nine billing cycles.
  • Redeem points for travel with no blackout dates, cash back or gift cards.
  • Get 75% more points on the base earn of every purchase you make when you’re a Preferred Rewards for Business Platinum Honors tier member. That means you will earn 2.62 points for every $1 you spend and 4.12 points per every $1 you spend at the Bank of America® Travel Center.
Pros
  • No annual fee: By not having to pay an annual fee, you can reduce your overall credit card cost while earning unlimited rewards on your expenses.
  • No blackout dates on travel: You can redeem your points for travel or travel credits through the Bank of America® Travel Center anytime, with no blackout dates.
  • 3x points on travel: You can earn 3x points for every dollar spent when you book your travel (car, hotel, or airline) through the Bank of America® Travel Center.
  • Welcome bonus points: If you can spend $3,000 in net purchases within 90 days of opening an account, you will earn 30,000 bonus points.
Cons
  • Low ongoing rewards on nontravel: While you can earn high rewards points on travel, you can only earn 1.5x points on all other purchases.
  • Short 0% APR introductory period: The Bank of America Business Advantage Travel Rewards World Mastercard® offers 0% APR for the first nine billing cycles from opening an account—this is a disadvantage if you need a longer 0% APR period.
  • No 0% APR on balance transfers: The introductory 0% APR only applies to purchases—if you need to transfer a balance from another credit card, you’ll need to pay an APR ranging from 12.24% to 22.24%.

Bank of American doesnt disclose details of its additional card features. To find out more about these additional features, review your guide to benefits when you receive your card in the mail.

Intro APR

0%
9 billing cycles

Regular APR

12.24% – 22.24% Variable APR on purchases

  • 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 toward travel purchases.
  • Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time―no matter how much you spend. Points don’t expire.
  • Earn 3 points per every dollar spent on travel purchases like car, hotel, and airline booked through the Bank of America® Travel Center.
  • No annual fee and no international transaction fees.
  • 0% Introductory APR on purchases for your first nine billing cycles.
  • Redeem points for travel with no blackout dates, cash back or gift cards.
  • Get 75% more points on the base earn of every purchase you make when you’re a Preferred Rewards for Business Platinum Honors tier member. That means you will earn 2.62 points for every $1 you spend and 4.12 points per every $1 you spend at the Bank of America® Travel Center.
Pros
  • No annual fee: By not having to pay an annual fee, you can reduce your overall credit card cost while earning unlimited rewards on your expenses.
  • No blackout dates on travel: You can redeem your points for travel or travel credits through the Bank of America® Travel Center anytime, with no blackout dates.
  • 3x points on travel: You can earn 3x points for every dollar spent when you book your travel (car, hotel, or airline) through the Bank of America® Travel Center.
  • Welcome bonus points: If you can spend $3,000 in net purchases within 90 days of opening an account, you will earn 30,000 bonus points.
Cons
  • Low ongoing rewards on nontravel: While you can earn high rewards points on travel, you can only earn 1.5x points on all other purchases.
  • Short 0% APR introductory period: The Bank of America Business Advantage Travel Rewards World Mastercard® offers 0% APR for the first nine billing cycles from opening an account—this is a disadvantage if you need a longer 0% APR period.
  • No 0% APR on balance transfers: The introductory 0% APR only applies to purchases—if you need to transfer a balance from another credit card, you’ll need to pay an APR ranging from 12.24% to 22.24%.

Bank of American doesnt disclose details of its additional card features. To find out more about these additional features, review your guide to benefits when you receive your card in the mail.

Why we like it: If you’re looking for fewer fees from your travel credit card, the Bank of America® Business Advantage Travel Rewards World Mastercard® charges no annual fee, and we voted it our best business credit card with no foreign transaction fee.

Cardholders earn 1.5 points for every $1 spent on any business purchase and 3x points for every $1 when you book travel through the Bank of America® Travel Center. You can earn even more with this card if you’re already a Bank of America® customer. If you have a business checking account with Bank of America® and qualify for its highest Preferred Rewards for Business tier, you can earn up to 75% more points on every purchase, which means you could earn up to 2.62 points per $1 spent on all purchases and up to 5.25 points per $1 spent at the Bank of America® Travel Center.

Plus, earn 30,000 points if you spend $3,000 within the first three months of card ownership, which you can redeem for a $300 credit for travel or dining.

Delta SkyMiles® Platinum Business American Express Card: Best for Frequent Delta Flyers

Delta SkyMiles® Platinum Business American Express Card

?Fit Small Business’s ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card’s rates, fees, rewards, and additional features like insurance.

Frequent Delta flyers who want to access premium business Delta features



Apply Now

on Delta SkyMiles® Platinum Business American Express Card’s secure website.

Regular APR

15.74% – 24.74% Variable

Credit Needed

Good, Excellent

  • Welcome Offer: Earn 60,000 bonus miles, 5,000 Medallion® Qualification Miles (MQMs), and a $100 statement credit after spending $3,000 in purchases on your new Card in your first 3 months.
  • Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent on purchases made directly with hotels.
  • Earn 1.5 miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half mile per dollar), up to 50,000 additional miles per year. 1 Mile on every eligible dollar spent on other purchases.
  • With Status Boost®, earn 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your card in a calendar year, up to 2x per year getting you closer to Medallion Status.
  • Status-like benefits: First Check Bag Free on Delta flights + Main Cabin 1 Priority Boarding.
  • Terms and limitations apply.
Pros
  • No foreign transaction fees
  • In-flight savings
  • Business management tools
Cons
  • $250 annual fee
  • No interest-free financing period
  • Balance transfers aren’t allowed
 

  • Delta benefits: Receive your first checked bag for free and access priority boarding.
  • Travel accident insurance: Provides card owners with travel accident insurance up to $100,000.
  • Purchase protection: Provides coverage for purchases that are damaged or stolen up to 120 days from the date of purchase. Coverage is limited to $1,000 for an item and up to $50,000 for all claims for one year.
Regular APR

15.74% – 24.74% Variable

Credit Needed

Good, Excellent

  • Welcome Offer: Earn 60,000 bonus miles, 5,000 Medallion® Qualification Miles (MQMs), and a $100 statement credit after spending $3,000 in purchases on your new Card in your first 3 months.
  • Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent on purchases made directly with hotels.
  • Earn 1.5 miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half mile per dollar), up to 50,000 additional miles per year. 1 Mile on every eligible dollar spent on other purchases.
  • With Status Boost®, earn 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your card in a calendar year, up to 2x per year getting you closer to Medallion Status.
  • Status-like benefits: First Check Bag Free on Delta flights + Main Cabin 1 Priority Boarding.
  • Terms and limitations apply.
Pros
  • No foreign transaction fees
  • In-flight savings
  • Business management tools
Cons
  • $250 annual fee
  • No interest-free financing period
  • Balance transfers aren’t allowed
 

  • Delta benefits: Receive your first checked bag for free and access priority boarding.
  • Travel accident insurance: Provides card owners with travel accident insurance up to $100,000.
  • Purchase protection: Provides coverage for purchases that are damaged or stolen up to 120 days from the date of purchase. Coverage is limited to $1,000 for an item and up to $50,000 for all claims for one year.

Why we like it: Frequent travelers with Delta can really benefit from the Delta SkyMiles® Platinum Business American Express Card. Earn 3 Delta miles per $1 on eligible purchases through Delta as well as hotels, 1.5 miles per $1 on eligible single purchases of $5,000 or more, and 1 mile per $1 on all other eligible purchases. You can also earn 10,000 Medallion Qualification Miles (MQMs) when you reach two-tiered spending thresholds of $25,000 and $50,000. MQMs are different from regular Delta miles and, as you accumulate them, you grow toward Silver, Gold, Platinum, and Diamond status, which offer bigger travel perks and upgrades.

Benefits with this card include:

  • Discounted $39 entry into Delta Sky Club airport lounges
  • Up to $100 credit toward Global Entry or TSA Pre-check
  • Priority boarding for yourself and up to eight companions
  • First checked bag free for yourself and up to eight companions
  • 20% statement credit on in-flight purchases
  • No foreign transaction fees

You can also redeem flights with one of Delta’s 20 partner airlines. As an introductory offer, earn 60,000 bonus miles, 5,000 MQMs, and a $100 statement credit after spending $3,000 in purchases on your new card in your first three months.

Southwest® Rapid Rewards® Performance Business Credit Card: Best for Free Companion Flights on Southwest Airlines

Southwest® Rapid Rewards® Performance Business Credit Card

?Fit Small Business’s ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card’s rates, fees, rewards, and additional features like insurance.

Southwest flyers who want a Global Entry or TSA Pre✓® application fee credit



Apply Now

On Chase’s Secure Website

Regular APR

15.99% – 22.99% Variable

  • Earn 80,000 points after you spend $5,000 on purchases in the first 3 months.
  • 9,000 bonus points after your Cardmember anniversary.
  • NEW! Earn 4X points on Southwest® purchases.
  • Earn 3X points on Rapid Rewards® hotel and car partners.
  • NEW! Earn 2X points on rideshare.
  • Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.
  • 4 Upgraded Boardings per year when available.
  • Global Entry or TSA Pre✓® Fee Credit.
Pros
  • Free Global Entry or TSA Pre✓® membership
  • Large signup bonus that can help qualify for the companion pass
  • Receive the best rewards for Southwest purchases compared to other Southwest cards
Cons
  • High annual fee that isn’t waived in the first year
  • Reward redemption value is poor outside of Southwest flights
  • Limited options for international travel
  • Global Entry or TSA PreCheck reimbursement: Receive application fee credits up to $100 for Global Entry or $85 for TSA PreCheck.
  • Upgraded bookings: Southwest will reimburse you each anniversary year for the purchase of up to four upgraded boardings,
  • Baggage delay insurance: Reimburses you for essential purchases like toiletries and clothing for baggage delays of more than six hours; up to $100 a day for three days.
Regular APR

15.99% – 22.99% Variable

  • Earn 80,000 points after you spend $5,000 on purchases in the first 3 months.
  • 9,000 bonus points after your Cardmember anniversary.
  • NEW! Earn 4X points on Southwest® purchases.
  • Earn 3X points on Rapid Rewards® hotel and car partners.
  • NEW! Earn 2X points on rideshare.
  • Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.
  • 4 Upgraded Boardings per year when available.
  • Global Entry or TSA Pre✓® Fee Credit.
Pros
  • Free Global Entry or TSA Pre✓® membership
  • Large signup bonus that can help qualify for the companion pass
  • Receive the best rewards for Southwest purchases compared to other Southwest cards
Cons
  • High annual fee that isn’t waived in the first year
  • Reward redemption value is poor outside of Southwest flights
  • Limited options for international travel
  • Global Entry or TSA PreCheck reimbursement: Receive application fee credits up to $100 for Global Entry or $85 for TSA PreCheck.
  • Upgraded bookings: Southwest will reimburse you each anniversary year for the purchase of up to four upgraded boardings,
  • Baggage delay insurance: Reimburses you for essential purchases like toiletries and clothing for baggage delays of more than six hours; up to $100 a day for three days.

Why we like it: The Southwest® Rapid Rewards® Premier Business credit card may be a good choice if you’re a frequent domestic business traveler and you live near a Southwest hub. If you frequently fly with another person, earn 125,000 points in one calendar year and get the highly prized Southwest Companion Pass. Your companion will fly free, only needing to pay taxes and fees, for the rest of the calendar year and the following year. Another option to gain points is to refer the Southwest® Rapid Rewards® Performance Business Credit Card to a friend and earn 20,000 bonus points, up to 100,000 bonus points in a calendar year.

There’s a wealth of ways to earn points with this card. For $199 a year, you can earn:

  • 4 points per $1 spent on Southwest purchases
  • 3 points per $1 spent on Rapid Rewards hotel and car rentals
  • 2 points per $1 spent on commuting, including rideshare
  • 2 points for each $1 spent on advertising purchases for social media sites and search engines, as well as internet, cable, and phone services
  • 1 point per $1 for all other purchases

You can also enjoy four upgraded boardings each year and receive a free credit for Global Entry or TSA Pre-check. As a welcome offer, earn 80,000 points after spending $5,000 in the first three months. Since this is a Visa® card, you can use this card anywhere Visa® is accepted.

How to Choose a Business Travel Credit Card

There’s a lot to consider when selecting a business travel credit card. Each of these steps can help you prioritize and narrow your choices to the best fit for you and your business.

  1. Cost of travel: Review where you spend your money during business travel. Look at flights, hotels, ground transportation, dining, and miscellaneous expenses.
  2. Choose your rewards type: Your rewards type should be based on where most of your money goes during travel. If you’re loyal to a specific airline or hotel, a branded card may be the best choice. Cards that reward you with miles, points, or cash back are a good choice if you have a variety of expenses.
  3. Cost of the card: Consider annual fees, as well as other fees that may not be covered by the card, such as baggage fees, foreign transaction fees, or any other hidden fees.
  4. Perks and benefits: High annual fees are worth it if you take advantage of perks like lounge access, free hotel nights, and bonuses if you meet a minimum spend requirement. If you think you may not use these perks, the cost of the annual fee may be going to waste.

How We Evaluated the Best Business Travel Credit Cards

The best business travel credit cards offer rewards that grow the more you make purchases with the card, so we selected cards for frequent business travelers. When available, we highlighted any discounts or benefits that help business travelers save money.

Bottom Line

Find a card that matches your travel style and frequency and choose one that can help you save money on your biggest expenses. If you’re interested in more travel cards and other types of cards designed for small business owners, take a look at our credit card marketplace.



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