MoneyGeek's Take

Best Business Credit Cards for Travel in 2022

The best business credit cards for travel offer high reward earn rates across specific categories. They give you different ways to redeem your rewards, which often include transferring your points to airline or hotel loyalty programs.

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This article is part of our larger series on Best Business Credit Cards

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The top travel business credit cards tend to vary based on specific requirements. For instance, do you wish to capitalize on your business spending by paying little to no annual fees, or are you a high spender interested in maximizing reward-earning potential and taking advantage of premium benefits? In addition, are you looking for a co-branded card that offers higher rewards across a particular airline or group of hotels, or for one that does not limit your reward-earning potential to any particular brand?

Let’s take the example further with credit cards that are not co-branded but may still work as effective travel cards. The no-annual-fee American Express Blue Business Plus Card offers 2x points per $1 on all purchases (up to $50,000 per year). On the other hand, the American Express Business Platinum Card — with an annual fee of $595 — offers 5x points per $1 on flights and prepaid hotels booked through Amex Travel. The latter also offers statement credits toward payments made to multiple service providers. Our guide will help you better understand these factors and how to relate them to your business spending.

This article is part of our larger series on
Best Business Credit Cards

MoneyGeek’s Take: Top 5 Business Credit Cards for Travel

Quick Summary

While co-branded airline and hotel business credit cards offer brand-specific rewards and benefits, travel business credit cards come with no such limitations. The top cards we’ve selected take into account their rewards and perks as well as the annual fees you’ll need to pay. For example, we’ve looked at how many points or miles you stand to earn per dollar as well as flexibility in redeeming your rewards. You may look for more recommendations further down the page.

>>MORE: BEST CREDIT CARD COMBINATIONS TO MAXIMIZE REWARDS

  • Ink Business Preferred® Credit Card

    A great card to maximize earning unlimited rewards


    • Good-ExcellentCredit Needed
    • $95Annual Fee
    • 1–3 Points per $1Rewards Rate
    • 3xRewards Rate on TV, Phone, Internet Services
    • 3xRewards Rate on Air Travel

    Terms, rates and fees apply

    Compare this credit card with other top-rated travel rewards cards.

  • Capital One Spark Miles for Business

    Best flat-rate rewards card for frequent flyers


    • Good-ExcellentCredit Needed
    • $95Annual Fee
    • 2 Miles per $1Rewards Rate
    • 2xRewards Rate at Hotels
    • 2xRewards Rate on Groceries

    Terms, rates and fees apply

    Compare this credit card with other top-rated cards from our partners.

  • United℠ Business Card

    A good miles-earning credit card with exclusive rewards and no foreign transaction fees


    • Good-ExcellentCredit Needed
    • $99Annual Fee
    • 1–2 Miles per $1*Rewards Rate
    • 2xRewards Rate on Air Travel
    • 2xRewards Rate on Dining

    Terms, rates and fees apply

    Compare this credit card with other top-rated cards from our partners.

  • Blue Business® Plus Credit Card from American Express

    Great no-annual-fee card for earning rewards on business spending


    • Good-ExcellentCredit Needed
    • $0Annual Fee
    • 2 Miles per $1*Rewards Rate
    • 1xRewards Rate on TV, Phone, Internet Services
    • 1xRewards Rate on Online Shopping

    Terms, rates and fees apply

    Compare this credit card with other top-rated credit cards at CardRatings.com.

  • Marriott Bonvoy Business® American Express® Card

    Excellent card for maximizing the rewards you earn while traveling


    • Good-ExcellentCredit Needed
    • $125Annual Fee
    • 2–6 Points per $1*Rewards Rate
    • 6xRewards Rate at Hotels
    • 4xRewards Rate on TV, Phone, Internet Services

    Terms, rates and fees apply

    Compare this credit card with other top-rated credit cards at CardRatings.com.

Summary of the Best Business Cards for Travel

Depending on the features or perks you’re after, you get to choose from various travel business credit cards. However, if you’re looking for premium benefits, prepare to pay a higher-than-usual annual fee. Check the corresponding table to determine which of these business cards might work well for you.

  • Credit Card
    Best For
    Avg. Reward Rate
    Annual Fee
    Credit Needed
  • Hilton Honors American Express Business Card
    This business credit card is perfect for earning Hilton Honors points
    3–12 Points per $1*
    $95
    Good-Excellent
  • Marriott Bonvoy Business® American Express® Card
    Excellent card for maximizing the rewards you earn while traveling
    2–6 Points per $1*
    $125
    Good-Excellent
  • Blue Business® Plus Credit Card from American Express
    Great no-annual-fee card for earning rewards on business spending
    2 Miles per $1*
    $0
    Good-Excellent
  • Capital One Spark Miles for Business
    Best flat-rate rewards card for frequent flyers
    2 Miles per $1
    $95
    Good-Excellent
  • Business Platinum Card® from American Express
    A good business card for premium travel benefits
    1–5 Points per $1*
    $595
    Good-Excellent
  • American Express® Business Gold Card
    A dynamic rewards card for high-spending business owners
    1–4 Points per $1
    $295
    Good-Excellent
  • Southwest® Rapid Rewards® Performance Business Credit Card
    An excellent business card with Southwest and other travel benefits
    1–3 Points per $1*
    $199
    Good-Excellent
  • Delta SkyMiles® Platinum Business American Express Card
    A great card for frequent business travelers who want to enjoy Delta travel perks and pursue elite status
    1–3 Miles per $1
    $250
    Good-Excellent
  • Delta SkyMiles® Reserve Business American Express Card
    A card that offers many rewards for business travelers who fly Delta frequently.
    1–3 Miles per $1
    $550
    Good-Excellent
  • Southwest® Rapid Rewards® Premier Business Credit Card
    A great miles credit card for international purchases with multiple miles-earning and redeeming opportunities
    1–2 Points per $1*
    $99
    Good-Excellent
  • United℠ Business Card
    A good miles-earning credit card with exclusive rewards and no foreign transaction fees
    1–2 Miles per $1*
    $99
    Good-Excellent
  • CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
    One of the top business travel cards for frequent American Airlines travelers
    1–2 Miles per $1*
    $99
    Excellent
  • Delta SkyMiles® Gold Business American Express Card
    A great miles rewards card with no foreign transaction fee for frequent business travelers
    1–2 Miles per $1
    $99
    Good-Excellent
  • Ink Business Preferred® Credit Card
    A great card to maximize earning unlimited rewards
    1–3 Points per $1
    $95
    Good-Excellent
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MONEYGEEK PRO TIP

When considering a business credit card with travel rewards, it is advantageous to reflect on what your travel needs are. While having an abundance of features is enjoyable, it isn’t advisable to pay an annual fee for a card unless you use its benefits. -- Brett Holzhauer, Personal Finance Journalist

How to Compare Business Credit Cards & Intro Offers

Since there is no dearth of business credit cards for travel, it’s important that you consider different factors before making a selection.

1

Co-branded or not

If you favor using a particular airline or group of hotels for your business travels, getting a co-branded credit card might work in your favor. Such cards include the American Express Hilton Honors Business Card and the Chase Southwest Rapid Rewards Premier Business Card. With business credit cards for travel that are not linked to any particular brand, you get to earn similar rewards across different airlines and hotels. The latter typically lets you transfer your points or miles to loyalty programs of partner airlines/hotels. Such cards include the American Express Blue Business Plus Card, the Capital One Spark Miles Card and the Chase Ink Business Preferred Card.

2

Rewards rate

Co-branded business credit cards tend to offer higher reward rates when you spend at the brand in question. For instance, the Hilton Honors American Express Business Card offers 12x Hilton Honors Points per dollar for purchases made directly with hotels and resorts in the Hilton portfolio. Flat-rate rewards cards, on the other hand, give you the means to earn the same number of points or miles across many or all categories. Examples include the Capital One Spark Miles Card, the Chase Ink Business Preferred Card and the American Express Blue Business Plus Card.

3

Annual fee

The best business cards for travel tend to come with annual fees, with the American Express Blue Business Plus Credit Card being a notable exception. Otherwise, the annual fee you need to pay varies based on the rewards and perks on offer. A number of regular business travel cards charge $95 or $99, and the premium ones charge upward of $500.

4

Foreign transaction fees

This aspect requires particular attention if your business takes you overseas. Depending on the card you get, this fee typically varies from 0% to 3% of the transaction amount and applies to each international transaction.

Expert Advice For Finding the Right Card

To further help our readers arrive at informed decisions about which travel business credit cards they should select, we’ve asked experts from the industry for their input surrounding these important questions.

Expert Advice For Finding the Right Card

  1. What are some ways you can maximize travel credit card rewards for your business?
  2. When does it make sense to get a travel business credit card with a steep annual fee?
  3. With consumer credit cards offering better protection, why should small business owners consider getting business credit cards?
Dr. Andrew Burnstine
Dr. Andrew Burnstine

Associate Professor of Marketing at Lynn University

Alexandre Olbrecht
Alexandre Olbrecht

Professor of Economics and Executive Director, Eastern Economic Association at the Ramapo College Of New Jersey

Bruce Bachenheimer
Bruce Bachenheimer

Clinical Professor of Management and Executive Director of the Entrepreneurship Lab at Pace University

Chuck Lopez
Chuck Lopez

Lecturer at the University of Hawaiʻi at Mānoa

Christopher S. Tang
Christopher S. Tang

UCLA Distinguished Professor at UCLA Anderson School of Management

Dipra Jha
Dipra Jha

Assistant Director & Scholarly Associate Professor, School of Hospitality Business Management, Washington State University, Carson College of Business

James Sundberg, CGMA, CPA
James Sundberg, CGMA, CPA

Part-Time Instructor at Cleary University

Further Reading

About the Author


expert-profile

Rajiv Baniwal has been writing about different financial topics for over 15 years. Meticulous in his research, he makes sure he provides accurate and up-to-date information. His areas of expertise include mortgages, personal loans, credit cards, insurance and international money transfers.


*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity.
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