MoneyGeek's Take

Best Business Credit Cards for Travel in 2021

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

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.


  • Chase Ink Business Preferred

    A great card to maximize earning unlimited rewards


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

  • Capital One Spark Miles

    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

  • Chase United Business

    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

  • American Express Blue Business Plus Credit Card

    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

  • American Express Marriott Bonvoy Business 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

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.

Apply for one of the credit cards below on our partner's site CardRatings.com
  • Credit Card
    Best For
    Avg. Reward Rate
    Annual Fee
    Credit Needed
  • American Express Hilton Honors Business Card
    This business credit card is perfect for earning Hilton Honors points
    3–12 Points per $1*
    $95
    Good–Excellent
  • American Express Marriott Bonvoy Business Card
    Excellent card for maximizing the rewards you earn while traveling
    2–6 Points per $1*
    $125
    Good–Excellent
  • American Express Blue Business Plus Credit Card
    Great no-annual-fee card for earning rewards on business spending
    2 Miles per $1*
    $0
    Good–Excellent
  • Capital One Spark Miles
    Best flat-rate rewards card for frequent flyers
    2 Miles per $1
    $95
    Good–Excellent
  • American Express Business Platinum Card
    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
  • Chase Southwest Rapid Rewards Performance Business
    An excellent business card with Southwest and other travel benefits
    1–3 Points per $1*
    $199
    Good–Excellent
  • American Express Delta SkyMiles Platinum Business 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
  • American Express Delta SkyMiles Reserve Business Card
    A card that offers many rewards for business travelers who fly Delta frequently.
    1–3 Miles per $1
    $550
    Good–Excellent
  • Chase Southwest Rapid Rewards Premier Business
    A great miles credit card for international purchases with multiple miles-earning and redeeming opportunities
    1–2 Points per $1*
    $99
    Good–Excellent
  • Chase United Business
    A good miles-earning credit card with exclusive rewards and no foreign transaction fees
    1–2 Miles per $1*
    $99
    Good–Excellent
  • Citi CitiBusiness AAdvantage Platinum Select Mastercard
    One of the top business travel cards for frequent American Airlines travelers
    1–2 Miles per $1
    $0
    Excellent
  • American Express Delta SkyMiles Gold Business Card
    A great miles rewards card with no foreign transaction fee for frequent business travelers
    1–2 Miles per $1
    $99
    Good–Excellent
  • Chase Ink Business Preferred
    A great card to maximize earning unlimited rewards
    1–3 Point 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

About Our Rankings

We keep an eye out for any significant change in the travel business credit cards segment. We begin the rankings process by filtering out all business credit cards from our database, and we follow that up by selecting ones that are best suited for travel. Then, we compare them across parameters such as reward rates, introductory bonuses and annual fees.

We understand that some small business owners and entrepreneurs might prefer using consumer credit cards even for business-related purposes. In this case, you might benefit by taking a look at what the best travel credit cards for individuals have to offer.

Top Rating Criteria for Business Cards

goodCredit
Spending Caps
rotating
Flexibility in Earning & Redeeming
signupBonus
Welcome Bonus

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.

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.