Best Business Travel Credit Cards in 2023

The American Express® Business Gold Card is like a financial Swiss army knife for businesses, especially for those with varied spending or who are always on the go. The card offers impressive rewards and a generous welcome bonus, offering significant potential for cost savings. With added benefits such as the ability to transfer points to travel partners and access to a short-term business loans program, it aims to provide flexibility and growth opportunities. But remember, like any tool, it has its cost — there's a notable annual fee, and you'll want to keep on top of your balance to avoid high-interest charges.

Pros

• High rewards rate on customized spending categories
• Generous welcome offer
• Transferable points
• Bonus for redemptions through Amex Travel Portal
• Access to short-term business loans program
• No foreign transaction fees

• Earn 4X points on two select categories where you spend the most each billing cycle (on up to $150,000 combined spending per year, then 1X points)
• Earn 1X points on all other spending
• Earn 70,000 points after spending $10,000 on eligible purchases within the first three months
• Annual fee $295 (see rates and fees)
• No foreign transaction fees (see rates and fees)
• Transfer points to a host of hotel and airline partners through American Express's Membership Rewards program
• Get a 25% bonus on points redeemed through the American Express Travel Portal (up to a maximum of 250,000 points per calendar year)
• Points don't expire, and there are no points caps
• No blackout dates
• Get access to the Working Capital Terms program and short-term business loans (terms and restrictions apply)
• Add employee cards for a one-time flat fee of $50
• Unlike typical charge cards, the American Express® Business Gold Card allows you to carry a balance for certain charges, but not all

The Capital One Spark Miles for Business is a highly rewarding card ideal for businesses with a diverse range of expenses, particularly those with frequent travel needs. It offers a substantial welcome bonus and a generous rate of return on spending, transforming business expenses into valuable travel rewards. The card shines with its unparalleled flexibility in redeeming rewards, accommodating multiple travel loyalty programs and providing unrestricted freedom in redemption. Useful business tools, like free employee cards and comprehensive financial summaries, make this card a strategic business asset, although it’s important to mind the above-average APR.

Pros

• Earn miles on every purchase
• Flexible redemption options
• Application credit for Global Entry/TSA PreCheck
• Useful business tools and free employee cards
• No foreign transaction fees

• Earn 5X miles on hotels and rental cars booked through Capital One Travel
• Earn 2X miles on all other spending
• Earn 50,000 bonus miles after spending $4,500 in the first three months
• Flexible redemption options: transfer to 15+ travel loyalty programs, no blackout date or expiration dates, no limit on earning miles, no minimums for redemption, redeem any airline or hotel purchase for a statement credit
• Annual fee of $95 ($0 in first year)
• Up to $100 credit for Global Entry/TSA PreCheck
• No foreign transaction fees
• Business tools: free employee cards, quarterly and year-end summaries and downloadable purchase records

If you're a frequent Delta flyer looking to amplify your travel experience, the Delta SkyMiles® Reserve Business American Express Card could be a game-changer. This card goes beyond just earning you miles; it elevates your entire journey. With accelerated rewards for high spenders and elite status within reach, your loyalty pays off in big ways. You'll also enjoy exclusive lounge access and discounts on award travel, bringing a touch of luxury to your trips. While the annual fee and APR are on the higher side, the lavish benefits can make it well worth the investment for the right traveler.

Pros

• High earnings on Delta purchases
• Generous welcome bonus
• Free Delta Sky Club access
• Bonus miles after meeting the spending threshold

• Limited Time Offer: Earn 100,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Plus, earn an additional 10,000 Bonus Miles after you make an eligible Delta purchase with your new Card within your first 6 months. Offer Ends 10/25/2023.
• Earn 3 miles for every dollar you spend directly with Delta
• After hitting $150,000 in annual spending on your card, get 1.5 miles per dollar for the rest of the year
• With $550 annual fee
• Regular APR 20.99%–29.99% (variable)
• Enjoy a 15% discount on award travel with TakeOff 15, applicable only to Delta flights. Not applicable to partner-operated flights or to taxes and fees.
• With complimentary access into Delta Sky Club®, you can relax before your Delta flight, or find downtime between connections.* You'll also receive two Delta Sky Club One-Time Guest Passes each year so you can share the experience with others when you're traveling together. *Effective 2/1/25, Reserve Card Members will receive 10 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
• When you purchase a Delta flight with your Delta SkyMiles Reserve Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge - The Centurion® Studio Partner. After you spend $150,000 on your Card in a calendar year, you earn 1.5 miles per dollar (that's an extra half mile per dollar) on eligible purchases the rest of the year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta instead of 1.5X).
• Book a Delta flight with your card and gain complimentary access to The Centurion® Lounge or Escape Lounge
• With Status Boost®, earn 15,000 Medallion Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card through 12/31/23, up to four times per year getting you closer to Medallion Status.* MQMs are used to determine Medallion Status and are different from the miles you earn towards flights.*Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more.

The Ink Business Preferred® Credit Card is a robust ally for businesses, offering an impressive welcome offer that sets the tone for its value-driven features. With a rewards structure that generously caters to travel and specific business expenses, the card helps turn everyday spending into tangible benefits. Its suite of travel protections brings confidence to frequent travelers, and the modest annual fee is easily justified by the multitude of perks, including free employee cards. In short, it’s an astutely designed card that recognizes and rewards modern business dynamics.

Pros

• Impressive welcome offer
• High rewards cap
• Boosted rewards redemption through Chase
• Travel protections
• Free employee cards

• Earn 3X points on travel and select business categories, including shipping, internet, cable and phone services and advertising (up to $150,000 in combined spending each year, then 1X points)
• Earn 1X points on all other spending
• Earn 100,000 bonus points after spending $8,000 in the first three months
• Annual fee of $95
• Free employee cards
• Travel protections: trip cancellation insurance, trip interruption insurance, and primary rental car insurance
• Consumer protections: extended warranty protection, purchase protection, cell phone protection
• No foreign transaction fees
• Flexible rewards: points don’t expire, no blackout dates, 25% points bonus when booking travel through Chase Ultimate Rewards, various transfer options.

The Marriott Bonvoy Business American Express Card is a robust and savvy choice for small business owners who frequently travel, particularly for those loyal to Marriott Bonvoy hotels. Its rewarding points system aligns seamlessly with everyday business expenditures, plus the generous welcome bonus is a major kick-start. The card's benefits, including free night awards and Gold Elite Status, offer significant value and can easily offset the annual fee while potentially transforming every business trip into a VIP experience. Furthermore, making travel purchases on this card provides a safety net of various travel insurance protections, adding peace of mind to each journey.

Pros

• Earn free night awards
• Significant hotel perks, including Gold Elite status
• Generous welcome offer
• No foreign transaction fees

• Limited Time Offer: Earn 125,000 Bonus Marriott Bonvoy Points after you use your new Card to make $8,000 in purchases within the first six months of Card Membership. Offer Ends 11/1/23.
• Earn 6X points on eligible Marriott Bonvoy hotels
• Earn 4X points on restaurants, U.S. gas stations, wireless phone services (when purchased directly from U.S. providers) and U.S. shipping purchases
• Earn 2X points on all other purchases
• Earn three bonus Free Night Awards after you make $6,000 in purchases within the first six months of card membership (redemption level up to 50,000 points for each bonus Free Night Award at hotels participating in Marriott Bonvoy; certain hotels have resort fees)
• Annual fee of $125 (see rates and fees)
• Flexible points redemption: no blackout dates, no points limits and no expiration for points
• Complimentary Gold Elite Status
• Receive one free night award each year after renewal (redeemable for a stay at a Marriott property equivalent to up to 35,000 points)
• Earn an additional free night after $60,000 spent in a calendar year
• No foreign transaction fee (see rates and fees)
• Free employee cards with individual limits (see rates and fees)
• Travel insurance and consumer protections: secondary rental car insurance, lost, stolen or damaged luggage insurance, purchase protection and extended warranty. (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)
• Terms apply

If you frequently fly Southwest for business, the Southwest Rapid Rewards® Performance Business Credit Card is worth considering. This card is a multi-tool of perks, from a generous welcome offer to an array of travel rewards and benefits. While it comes with an annual fee and a potentially high APR, the benefits can easily offset these costs, especially if you're already loyal to Southwest. From seamless boardings to essential travel coverage, it's your business travel companion that truly goes the extra mile.

Pros

• High rewards rate
• Generous welcome offer
• No foreign transaction fees
• With useful additional perks

• Earn 4 points for every dollar spent on Southwest purchases.
• Get 3 points per dollar when you book with Rapid Rewards hotel and car partners.
• Earn 2 points per dollar on expenses like rideshare, social media, search engine advertising and your internet and phone bills. For all other purchases, you'll get 1 point per dollar.
• Unlock 80,000 bonus points when you spend $5,000 in the first three months.
• Comes with a $199 annual fee.
• No foreign transaction fees.
• APR ranges from 21.49% to 28.49% variable.
• Get four upgraded boardings a year, based on availability.
• Every four years, get up to a $100 credit for your Global Entry or TSA Precheck application fees.
• Additional employee cards won't cost you extra.
• If you rent a vehicle with your Southwest Performance card, you get secondary insurance coverage for damage or theft.
• Should your luggage go missing, you can get reimbursed up to $3,000 per passenger for both checked and carry-on bags.

The Blue Business® Plus Credit Card from American Express is a compelling option for small business owners in search of a simple yet rewarding credit solution. With no annual fee, the card is budget-friendly and designed to cater to the needs of businesses, particularly those with significant everyday expenses. The rewards structure is straightforward: cardholders earn a solid rate of Membership Rewards® points on their business purchases up to a generous cap each calendar year, before the rate drops to a lower tier.

Pros

• No annual fee
• Intro APR on purchases
• Simple flat-rate rewards on all purchases
• Flexible redemption options
• Good for small businesses

• Earn 2 Membership Rewards® points per dollar on purchases (up to $50,000 in purchases each calendar year, then 1 point per dollar) and 2 points per dollar with no limit on car rentals booked through American Express Travel
• 0% intro APR offer on purchases for 12 months, then a variable rate of 18.49% – 26.49% (see rates and fees)
• Redeem points for travel booked through American Express Travel, purchases via select online merchants, gift cards and more.
• Transfer points to different frequent flyer programs.
• No annual fee (see rates and fees)
• Foreign transaction fee of 2.7% (see rates and fees)
• Flexible credit limit
• Get free employee cards
• Account management tools like designating an account manager, setting individual card limits, and manage your receipts
• Travel benefits like travel accident insurance, baggage insurance, purchase protection, car rental insurance, roadside assistance and more. (Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit the benefits guide for more details. Underwritten by Amex Assurance Company.)
• Terms Apply

The Business Platinum Card® from American Express is an excellent option for business owners seeking robust rewards and benefits. Its generous welcome offer makes for a powerful start, particularly for those with large initial expenditures, while tiered rewards on high-volume spending categories make each dollar spent a valuable investment. Beyond that, this card's statement credits are a cashback boon across diverse business essentials, enhancing operational efficiency and the card's overall worth. Plus, the travel perks are fantastic for frequent flyers, offering both luxury and peace of mind. While the Amex Platinum does come with a famously high annual fee, the rewards and benefits can easily justify the cost for high-spending businesses.

Pros

• Impressive welcome offer
• Great rewards on business spending
• Significant statement credits
• Airport lounge access
• Extensive travel protections and perks

• Earn 5X points on prepaid hotels and flights booked on AmexTravel.com
• Earn 2X points on prepaid rental cars booked on AmexTravel.com
• Earn 1.5X points on qualifying purchases of $5,000 or more on electronic goods, retailers, software, cloud service providers, construction materials, hardware supplies and shipping providers (on up to $2 million in combined spending each year)
• Earn 1X points on all other spending
• Earn 120,000 points after spending $15,000 on eligible purchases in the first three months
• Annual fee of $695 (See rates and fees)
• Flexible points redemption: no blackout dates, no earning caps and points don’t expire
• No foreign transaction fees (See rates and fees)
• Free access for you and two guests to over 1,400 airport lounges through the American Express Global Lounge Collection
• Complimentary night or property credit up to $250 for eligible stays at participating Fine Hotels + Resorts properties
• Complimentary night or property credit up to $100 for eligible stays at participation Hotel Collection properties
• Up to $400 statement credit on Dell purchases each year
• Up to $360 statement credit on Indeed products and services (up to $90 per quarter)
• Up to $300 onboard credit on eligible cruise bookings through the Cruise Privileges Program
• Up to $200 statement credit for airline fees with a selected airline each year
• Up to $189 statement credit for CLEAR® membership application each year
• Up to $150 statement credit on select Adobe purchases each year
• Up to $120 statement credit on wireless telephone purchases (up to $10 per month)
• Up to $100 application credit for Global Entry or TSA PreCheck every 5 years
• Free employee cards with individual limits
• Travel insurance and purchase protections: trip delay insurance, trip cancellation and interruption insurance, return protection and baggage insurance, secondary car rental insurance, purchase protection and extended warranty coverage (Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit for more details. Underwritten by Amex Assurance Company)
• Terms apply

The Hilton Honors American Express Business Card is a powerful tool for businesses, particularly those with frequent travel or dining needs. Its standout benefits are the generous welcome offer and robust hotel perks, which include status upgrades and free nights. Its diverse earning categories make accumulating points easy and rewarding, and no foreign transaction fees make it a great companion for international travel. While the value of Hilton Honors points might be lower than some competitors, the card's high earning rates can offset this if they align with your typical business spending. Lastly, its annual fee is modest and can easily be justified considering the rich rewards and perks, delivering both practical value and a touch of luxury for your business.

Pros

• Attainable welcome offer
• Hotel perks, including status and free nights
• Variety of earning categories
• No foreign transaction fees

• Earn 12X Hilton Honors Bonus Points on direct Hilton hotel purchases
• Earn 2X to 8X points at restaurants using the Hilton Honors Dining Program
• Earn 6X points on select travel and business purchases
• Earn 3X points on Lyft rides
• Earn 3X points on all other spending
• Earn 130,000 points after spending $3,000 in the first three months
• Earn 10,000 points every 10 nights after you’ve stayed 30 nights in a calendar year, then 30,000 points every 10 nights after you’ve stayed 60 nights in a year
• Complimentary Hilton Honors Gold Status, including boosted base points and every fifth night free on reward stays
• Receive one free night each year after spending $15,000 and a second free night after spending $45,000 in a calendar year
• Receive 10 complimentary visits each year to Priority Pass Select lounges
• Earn points and discounts on car rentals with Alamo, Enterprise or National Rental Car
• Annual fee of $95 (See rates and fees)
• No foreign transaction fee (See rates and fees)
• Flexible points redemption: no blackout dates, points caps or point expiration (as long as your membership is active at least every 12 months)
• Free employee cards with individual limits
• Travel insurance and consumer protections: travel and emergency assistance, baggage insurance, car rental insurance, purchase protection and extended warranty (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)
• Terms apply

The United℠ Business Card is tailored to frequent travelers and business professionals, offering a substantial welcome bonus, rewarding miles on United and various business categories, and rich travel perks and protections. While it comes with comprehensive travel conveniences, potential cardholders must weigh the annual fee and lack of introductory APR offers. Ideal for those aiming to maximize travel benefits, this card can be a strategic choice for enhancing comfort and affordability.

Pros

• Generous welcome offer
• Rewards on business categories
• Travel perks and protections
• No foreign transaction fees

• Earn 2X miles on United Airlines purchases, and at gas stations and restaurants, as well as on office supplies, local transit and commuting expenses
• Earn 1X miles on everything else
• Earn 50,000 bonus miles after spending $5,000 in the first three months
• Annual fee of $99 ($0 first year)
• Free checked bag for you and a companion on United flights
• Receive two annual passes to the United Club lounge each year
• Earn a $100 statement credit after making seven United Airlines purchases of at least $100 in a year
• Earn 5,000 bonus miles each year that you also have an open personal United credit card
• Travel protections: trip cancellation insurance, trip delay insurance, lost and delayed baggage insurance, travel accident insurance, auto rental collision damage waiver and roadside assistance
• Receive perks during stays at Luxury Hotel and Resort Collection properties
• Free employee cards
• No foreign transaction fees

The World of Hyatt Business Credit Card is a powerhouse for Hyatt loyalists, offering rich rewards on spending, with exceptionally high returns on Hyatt hotel purchases. It caters to domestic and international spenders, with no foreign transaction fees and a host of travel protections, making it a reliable companion on your journeys. Additionally, this card offers opportunities for free nights and status accelerations within the World of Hyatt program. However, its value may be less compelling for infrequent travelers or those seeking broader hotel options or airport lounge access.

Pros

• Ideal for Hyatt loyalists
• Lucrative rewards structure
• Range of travel protections
• No foreign transaction fees

• Earn 4X points on Hyatt hotel purchases (plus 5X points for being a World of Hyatt member)
• Earn 2 Bonus Points per $1 spent in your top three spend categories each quarter through 12/31/24, then your top two categories each quarter.
• Earn 2X points on restaurants, flights purchased directly from airlines, local transit, commuting and gym memberships
• Earn 1X points on all other spending
• Earn 60,000 Bonus Points after you spend $5,000 on purchases in your first three months from account opening. Additionally, earn 15K Bonus Points after you spend $12,000 in the first six months.
• Annual fee of $95
• No foreign transaction fees
• Receive a free night each year at a Category 1-4 hotel (worth up to 15,000 points)
• Receive an additional free night each year at a Category 1-4 hotel after spending $15,000
• Receive five qualifying night credits toward your next tier status each year and two additional qualifying night credits every time you spend $5,000 on your card
• Travel insurance: trip cancellation and trip interruption insurance, baggage delay insurance, lost luggage reimbursement and secondary car rental insurance
• Purchase protection for 120 days for damage or theft (up to $500 per claim and $50,000 per account)