The 6 Best Business Credit Cards for Travel

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Whether you own a business or are self-employed, you can use the rewards you earn from a business travel credit card to help cover expenses, including your next business trip.

Take a look at our picks for the best business credit cards for travel.

Card	Best for
Ink Business Preferred® Credit Card	Earning rewards
The Business Platinum Card® from American Express	Luxury
United℠ Business Card	Flying
Marriott Bonvoy Business® American Express® Card	Hotel stays
American Express® Business Gold Card	Drivers
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card	No annual fee

Best for earning rewards: Ink Business Preferred® Credit Card

Here’s why: The Ink Business Preferred® Credit Card features a sign-up bonus that could be worth $1,125 in redemptions.

You’ll earn 90,000 bonus points after spending $8,000 on purchases during the first 3 months after opening the account. When redeemed through Chase Travel℠, your points are worth 1.25 cents each.

You’ll also earn three points for every $1 you spend on travel and select business categories (up to the first $150,000 you spend each year in these categories) and one point for every $1 spent on all other purchases. If you add employee cards at no additional cost, you’ll also earn rewards for the money spent with them, too.

If your business takes you overseas, you’ll enjoy no foreign transaction fees. But keep in mind that there’s a $95 annual fee.

Learn more about the Ink Business Preferred® Credit Card.

From our partner

Offer Terms
Annual Fee	Intro Purchase APR	Intro Balance Transfer APR	Regular Purchase APR	Regular Balance Transfer APR
$95	N/A	N/A	20.74% – 26.74%* Variable	20.74% – 26.74%* Variable

Offer Terms
Annual Fee
$95
Intro Purchase APR
N/A
Intro Balance Transfer APR
N/A
Regular Purchase APR
20.74% – 26.74%* Variable
Regular Balance Transfer APR
20.74% – 26.74%* Variable

Additional Rates and Fees

Cash Advance Rate	29.74%* Variable
Cash Advance Fee	5%, Min: $15
Late Fee	See Terms*
Penalty APR	Up to 29.99%
Balance Transfer Fee	5%, Min: $5
Foreign Transaction Fee	$0
Return Payment Fee	See Terms*

Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That’s $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
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
Round-the-clock monitoring for unusual credit card purchases
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 Travel℠
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Member FDIC

^*See the online provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the provider's website.

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Best for luxury: The Business Platinum Card® from American Express

Here’s why: The Business Platinum Card® from American Express can make your business trips more comfortable and relaxing.

Check your bag before your flight and you can use your $200 airline fee credit later on to cover the cost.

Then, speed up your time in airport security — The Business Platinum Card® from American Express will reimburse you for up to $100 to apply for Global Entry or TSA PreCheck. And instead of heading straight to the gate, you can wait for your departure in one of American Express’ world-class airport lounges, like the famous Centurion Lounge.

Once you’re aboard, feel free to dip back into your $200 airline fee credit to cover the costs of food, drinks or entertainment.

When you land, head over to your hotel. The Business Platinum Card® from American Express comes with elite status at Marriott and Hilton hotels. You’ll enjoy a more comfortable stay with complimentary room upgrades and late checkouts based on availability. This card’s annual fee is $695.

Learn more about the The Business Platinum Card® from American Express.

From our partner

Offer Terms
Annual Fee	Intro Purchase APR	Intro Balance Transfer APR	Regular Purchase APR	Regular Balance Transfer APR
$695	N/A	N/A	18.74% – 27.74%* Variable	N/A

Offer Terms
Annual Fee
$695
Intro Purchase APR
N/A
Intro Balance Transfer APR
N/A
Regular Purchase APR
18.74% – 27.74%* Variable
Regular Balance Transfer APR
N/A

Additional Rates and Fees

Cash Advance Rate	N/A
Cash Advance Fee	N/A
Late Fee	$39 or 2.99% of any past due Pay in Full amount, whichever is greater.
Penalty APR	29.99%* Variable
Balance Transfer Fee	N/A
Foreign Transaction Fee	None
Return Payment Fee	$39

Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
$199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
$695 Annual Fee.
Terms Apply.
See offer and benefit terms

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Best for flying: United℠ Business Card

Here’s why: The United℠ Business Card could save you money when you fly for business.

New card members can earn 75,000 bonus miles after spending $5,000 on purchases during the first 3 months after opening the account. The card also comes with $0 Intro Annual Fee for the First Year, then $99 annual fee.

If you have a personal Chase United credit card, you’ll also earn 5,000 bonus miles on each business card anniversary.

You’ll also earn two miles for every $1 you spend on United purchases, dining, gas stations, office supply stores and on local transit. You’ll earn one mile per $1 spent on all other purchases.

You can use your miles to book rewards flights on United with no blackout dates. The United℠ Business Card also gets you a free checked bag, priority boarding and two complimentary visits to the United Club℠ each year.

Learn more about the United℠ Business Card .

From our partner

Offer Terms
Annual Fee	Intro Purchase APR	Intro Balance Transfer APR	Regular Purchase APR	Regular Balance Transfer APR
$0 Intro Annual Fee for the First Year	N/A	N/A	21.49% – 28.49%* Variable	21.49% – 28.49%* Variable

Offer Terms
Annual Fee
$0 Intro Annual Fee for the First Year
Intro Purchase APR
N/A
Intro Balance Transfer APR
N/A
Regular Purchase APR
21.49% – 28.49%* Variable
Regular Balance Transfer APR
21.49% – 28.49%* Variable

Additional Rates and Fees

Cash Advance Rate	29.74%* Variable
Cash Advance Fee	5%, Min: $15
Late Fee	See Terms*
Penalty APR	Up to 29.99%
Balance Transfer Fee	5%, Min: $5
Foreign Transaction Fee	$0
Return Payment Fee	See Terms*

Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
$0 introductory annual fee for the first year, then $99.
2x miles on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
1x mile on all other purchases. Plus, employee cards at no additional cost – miles earned from their purchases accrue in your account so you can earn rewards faster.
Receive a 5,000-mile “better together” bonus each anniversary when you have both the UnitedSM Business Card and a personal Chase United® credit card.
Enjoy a free first checked bag – a savings of up to $160 per roundtrip (terms apply), 2 United ClubSM one-time passes per year, and priority boarding privileges.
$100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
Member FDIC

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Best for hotel stays: Marriott Bonvoy Business® American Express® Card

Here’s why: The Marriott Bonvoy Business® American Express® Card is great if you’re looking for hotel value on overnight business trips.

The Marriott Bonvoy Business® American Express® Card comes with one complimentary rewards night each year at a participating hotel after your account anniversary (that would otherwise cost you up to 35,000 points to book). This rewards night can help make up for the $125 annual fee.

New cardholders can earn three Free Night Awards (with a redemption value of up to 50,000 points each) after spending $6,000 on purchases within the first 6 months of card membership.

With the Marriott Bonvoy Business® American Express® Card, you’ll get complimentary Gold Elite status that can earn you extra points on hotel stays.

When you use the card, you’ll earn six points on every $1 of eligible purchases at Marriott Bonvoy hotels. You’ll also earn four points per $1 at restaurants, at U.S. gas stations, on wireless telephone services from U.S. service providers and on U.S. purchases for shipping. Plus, two points per $1 on all other eligible purchases.

Take a look at reviews of the Marriott Bonvoy Business® American Express® Card to learn more.

From our partner

Offer Terms
Annual Fee	Intro Purchase APR	Intro Balance Transfer APR	Regular Purchase APR	Regular Balance Transfer APR
$125	N/A	N/A	20.24% – 29.24%* Variable	N/A

Offer Terms
Annual Fee
$125
Intro Purchase APR
N/A
Intro Balance Transfer APR
N/A
Regular Purchase APR
20.24% – 29.24%* Variable
Regular Balance Transfer APR
N/A

Additional Rates and Fees

Cash Advance Rate	29.74%* Variable
Cash Advance Fee	3%, Min: $5
Late Fee	Up to $39
Penalty APR	29.99%* Variable
Balance Transfer Fee	N/A
Foreign Transaction Fee	None
Return Payment Fee	$39

WELCOME OFFER: Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.
Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
2x points on all other eligible purchases.
Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Marriott Bonvoy Business® American Express® Card.
Terms apply.
See offer and benefit terms

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Best for drivers: American Express® Business Gold Card

Here’s why: The American Express® Business Gold Card could help you save money when you’re on the road.

Whether you’re a rideshare driver or a salesperson who drives from client to client, the American Express® Business Gold Card comes in handy for people who spend a lot on gas. You can earn four points for every $1 you spend (up to $150,000 each year in combined purchases) on two eligible categories where your business spends the most each month, including U.S. gas stations and U.S. restaurants (one point per $1 after that cap).

You’ll also earn three points per $1 spent on flights and prepaid hotels booked at amextravel.com and one point per $1 spent on other eligible purchases outside of the bonus categories.

Be aware that the American Express® Business Gold Card carries a $375 annual fee.

Learn more about the American Express® Business Gold Card.

From our partner

Offer Terms
Annual Fee	Intro Purchase APR	Intro Balance Transfer APR	Regular Purchase APR	Regular Balance Transfer APR
$375	0% on purchases 6 months from date of account opening	N/A	18.74% – 27.74%* Variable	N/A

Offer Terms
Annual Fee
$375
Intro Purchase APR
0% on purchases 6 months from date of account opening
Intro Balance Transfer APR
N/A
Regular Purchase APR
18.74% – 27.74%* Variable
Regular Balance Transfer APR
N/A

Additional Rates and Fees

Cash Advance Rate	N/A
Cash Advance Fee	N/A
Late Fee	$39 or 2.99% of any past due Pay in Full amount, whichever is greater.
Penalty APR	29.99%* Variable
Balance Transfer Fee	N/A
Foreign Transaction Fee	None
Return Payment Fee	$39

Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.74% to 27.74% variable APR.*
Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
Get up to a $12.95\*\* statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. \*\*Up to $12.95 plus applicable taxes on one membership fee.*
The Business Gold Card now comes in three metal designs: Gold, Rose Gold and Limited Edition White Gold. White Gold design is only available while supplies last. Make your selection when you apply on Americanexpress.com.
*Terms Apply
See offer and benefit terms

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Best for no annual fee: Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

Here’s why: If you’re searching for a business credit card that offers travel rewards without the upfront cost of an annual fee, check out the Bank of America® Business Advantage Travel Rewards World Mastercard® credit card.

The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card doesn’t charge an annual fee or a foreign transaction fee. But that won’t stop you from earning 30,000 bonus points after spending $3,000 on purchases during the first 90 days after opening the account.

You’ll also earn an unlimited 1.5 points for every purchase $1.

Learn more about the Bank of America® Business Advantage Travel Rewards World Mastercard® credit card.

From our partner

Offer Terms
Annual Fee	Intro Purchase APR	Intro Balance Transfer APR	Regular Purchase APR	Regular Balance Transfer APR
$0	0% for the first 9 billing cycles	N/A	17.99% – 27.99% Variable APR on purchases	17.99% – 27.99% Variable APR on balance transfers

Offer Terms
Annual Fee
$0
Intro Purchase APR
0% for the first 9 billing cycles
Intro Balance Transfer APR
N/A
Regular Purchase APR
17.99% – 27.99% Variable APR on purchases
Regular Balance Transfer APR
17.99% – 27.99% Variable APR on balance transfers

Additional Rates and Fees

Cash Advance Rate	28.99% Variable APR for Cash Advances and Convenience Checks
Cash Advance Fee	4%
Late Fee	See Terms*
Penalty APR	None
Balance Transfer Fee	4%
Foreign Transaction Fee	$0
Return Payment Fee	See Terms*

Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
Earn unlimited 1.5 points for every $1 spent, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
No limit to the amount of points you can earn and points don’t expire as long as your account remains open.
No annual fee and no international transaction fees.
Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that’s currently 17.99% to 27.99% will apply.
Contactless Cards – The security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

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How we picked these cards

To find the best business credit cards for travel, we started by combing through the most popular business cards on the market.

Then, we narrowed our search to the cards that emphasized travel, weeding out others tailored for businesses that prefer a credit card with cash back or a low intro APR.

That left us with a handful of business travel credit cards. From there, we asked ourselves what features matter most to business travelers and built our categories around those perks and experiences.

How to make the most of the best business credit cards for travel

Business credit cards are intended for people who own a business, but you don’t have to be the head of a giant corporation to qualify.

If you’re self-employed or a sole proprietor, you might be surprised to learn you may also be eligible for a business credit card.

If you’re thinking about applying for a business credit card, here are a few things you should keep in mind.

Business credit cards should only be used for business purchases — not personal expenses.
Business credit cards may affect both your business and personal credit.
Even though the card belongs to your business, you may be personally on the hook for repaying the money your company spends.
Unfortunately, business professionals who don’t own the company they work for may not be eligible to apply for a business credit card — it depends on your position in the company and the card issuer’s terms.

About the author: Tim Devaney is a personal finance writer and credit card expert at Credit Karma. He’s a longtime journalist who prides himself on being a good storyteller who can explain complex information in an easily digestible wa… Read more.

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The 6 best business credit cards for travel

Advertiser Disclosure

Whether you own a business or are self-employed, you can use the rewards you earn from a business travel credit card to help cover expenses, including your next business trip.

Best for earning rewards: Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card

Best for luxury: The Business Platinum Card® from American Express

The Business Platinum Card® from American Express

The Business Platinum Card® from American Express

Best for flying: United℠ Business Card

United℠ Business Card

United℠ Business Card

Best for hotel stays: Marriott Bonvoy Business® American Express® Card

Marriott Bonvoy Business® American Express® Card

Marriott Bonvoy Business® American Express® Card

Best for drivers: American Express® Business Gold Card

American Express® Business Gold Card

American Express® Business Gold Card

Best for no annual fee: Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

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

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

How we picked these cards

How to make the most of the best business credit cards for travel