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Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. SHARE: @NNaa11/Twenty20 November 01, 2021 Checkmark Bankrate logo How is this page expert verified? At Bankrate, we take the accuracy of our content seriously. "Expert verified" means that our Financial Review Board thoroughly evaluated the article for accuracy and clarity. The Review Board comprises a panel of financial experts whose objective is to ensure that our content is always objective and balanced. Their reviews hold us accountable for publishing high-quality and trustworthy content. Holly Johnson writes expert content on personal finance, credit cards, loyalty and insurance topics. In addition to writing for Bankrate and CreditCards.com, Johnson does ongoing work for clients that include CNN, Forbes Advisor, LendingTree, Time Magazine and more. Ana Staples is a reporter for Bankrate and an expert on all things credit basics and personal finance for the younger generation. Liz Bingler is an Associate Editor for CreditCards.com and Bankrate, where she focuses on product news and reviews. As an editor, her goal is to produce content that will help people to make informed financial decisions. Bankrate logo The Bankrate promise
At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation for how we make money. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Terms apply to the offers listed on this page. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Bankrate logo The Bankrate promise
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You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Whether you run a major corporation, own a small family business or have a side hustle that brings in part-time income, having a dedicated business credit card can help you in more ways than one. Not only can a business credit card help you keep your personal and business spending separate for bookkeeping and tax preparation purposes, but a credit card will allow you to borrow money for important business expenses in a pinch. The for travel also let business owners earn points or miles for each dollar their business spends, and that’s on top of the travel perks they offer. Many of the best also offer flexible redemption options you can take advantage of even during times when you’re not traveling at all, whether that means you can cash in your points for statement credits, gift cards or merchandise. Bankrate s picks for the best business travel credit cards
If you’re angling for a for your business, this guide can help you find the best card for your needs. The travel business cards we highlight below offer the best rewards rates, bonus offers and cardholder benefits on the market today. Ink Business Preferred Credit Card Best for flexible rewards
Rewards: Earn 3X points on the first $150,000 spent each year on travel, shipping purchases, Internet, cable and phone services, and advertising purchases with social media sites and search engines (then 1X points) and 1X points on all other purchases Welcome bonus: Earn 100,000 bonus points when you spend $15,000 on qualifying purchases within three months of account opening Annual fee: $95 The is incredibly popular with business owners thanks to the fact that it doles out Chase Ultimate Rewards points. Rewards you earn with this card can be used to book travel directly through the Chase travel portal, but you can also transfer your points to Chase airline and hotel partners at a 1:1 basis. This means that 100,000 Chase Ultimate Rewards points earned with this card can be turned into 100,000 Southwest Rapid Rewards points or United miles, or even 100,000 World of Hyatt or Marriott Bonvoy points. The Ink Business Preferred is currently offering a welcome bonus of 100,000 points (worth $1,250 in travel when you redeem through Chase Ultimate Rewards) after you spend $15,000 on qualifying purchases with your card within three months of account opening. You’ll also get the chance to earn 3X points per $1 on up to $150,000 spent on travel, shipping purchases, internet, cable and phone purchases, and advertising with social media sites and search engines (then 1X points) and 1X points on everything else. A $95 annual fee applies, but the first-year bonus makes up for it several times over. Consider this card if you want flexible redemption options
While you can use Chase Ultimate Rewards points for travel, you can also cash in these points for other flexible options. For example, 100,000 points can be turned into a $1,000 statement credit or $1,000 in gift cards to restaurants and retailers, merchandise and more. The Business Platinum Card from American Express Best for luxury travel perks
Rewards: Earn 5X Membership Rewards points on flights and prepaid hotels booked with AmexTravel.com, as well as 1.5X points on purchases over $5,000; earn 1X points on other purchases Welcome bonus: Earn 120,000 Membership Rewards points when you spend $15,000 within three months of account opening Annual fee: $595 ($695 if the application is received on or after Jan. 13, 2022) lets consumers earn 5X points on flights and prepaid hotels booked through AmexTravel.com. Cardholders also earn 1.5X points for purchases over $5,000, which highly favors businesses that have a lot of high-dollar expenses throughout the month. The welcome offer to look forward to includes earning 120,000 Membership Rewards points after you spend $15,000 on eligible purchases with the card within the first three months. When it comes to redeeming your rewards, keep in mind that the is versatile and flexible. Points in this program can be used to book travel directly through AmexTravel.com, redeemed for gift cards or merchandise, or transferred to popular airline and hotel partners. It’s also important to note that, when you redeem points for eligible airfare with this card, you’ll get 35 percent of your points back (up to 500,000 back per year). Consider this card if you want luxury perks and generous statement credits
In terms of major travel benefits, the Amex Business Platinum comes with no foreign transaction fees, a $200 airline fee credit each year, up to a $100 credit for Global Entry or TSA PreCheck membership every five years, up to $179 back per year on a Clear membership, the ability to visit Priority Pass Select or Centurion airport lounges and more. All in all, the card comes with more than $2,500 in annual statement credits, including those on certain business expenses, such as up to $400 in Dell purchases (terms apply), up to $360 in Indeed hiring products ($90 per quarter), up to $150 with Adobe and up to $120 on U.S. wireless telephone purchases ($10 per month). The Blue Business Plus Credit Card from American Express Best with no annual fee
Rewards: Earn 2X Membership Rewards points on the first $50,000 you spend each year, then 1X points Welcome offer: 15,000 Membership Rewards points if you spend $3,000 within the first three months of account opening Annual fee: $0 The offers the chance to earn valuable American Express Membership Rewards points without paying an annual fee. In fact, you’ll earn 2X points on the first $50,000 you spend each year with your card (then 1X points), which gives you the unique opportunity to earn more than the standard 1X points per dollar on most of your business spending. Like other cards within this program, the Amex Blue Business Plus lets you book travel directly through AmexTravel.com, transfer points to popular airline and hotel partners, or redeem points for gift cards or merchandise. If you have other cards that earn Amex Membership Rewards points, your rewards points can all be pooled in a single account. Consider this card if you want to earn travel rewards with no annual fee
Many of the top credit cards for business travelers charge an annual fee, but this card gives you the rewards you want without having to pay one. Bank of America Business Advantage Travel Rewards World Mastercard credit card Best for flexible travel redemptions
Rewards: Earn 1.5X points on all regular purchases and 3X points on travel booked through the Bank of America travel center Welcome bonus: Earn 30,000 bonus points (worth $300 in statement credit toward travel) when you spend $3,000 on your card within 90 days of account opening Annual fee: $0 The lets consumers rack up a flat 1.5X points for all regular spending on their card, but travel purchases made through the Bank of America travel portal net 3X points for each dollar spent. The initial bonus of 30,000 points is easy to earn with just $3,000 in spending required within the first 90 days, and this card doesn’t have an annual fee for business owners to worry about. Also, if you’re a Bank of America Preferred Rewards customer, you can earn up to 75 percent more rewards for each dollar you spend on your card. Interestingly, this card also comes with a 0 percent intro APR on purchases for nine billing cycles, followed by a variable APR of 12.24 percent to 22.24 percent. This perk can help business owners pay down large purchases without any interest for a limited period of time. Consider this card if you want flexible redemptions
A major benefit to consider with the Bank of America Business Advantage Travel Rewards World Mastercard is just how flexible the redemption options are. Not only can you redeem your rewards for any travel purchase charged to your card, but you can cash them in for travel purchases through the Bank of America Travel Center. When you’re not traveling, you can also cash in your points for cash back or gift cards. Capital One Spark Miles for Business Best flat-rate travel credit card
Rewards: Earn a flat 2X miles for each dollar you spend Welcome bonus: Earn 50,000 bonus miles when you spend $4,500 on your card within three months of account opening Annual fee: $0 intro for the first year, $95 after that Business owners who don’t want to deal with complex loyalty programs or rewards structures should consider the . Once you sign up, you’ll earn a flat 2X miles for each dollar you spend, and you’ll get the chance to cash in your miles for travel purchases at a rate of 1 cent per mile. You can redeem rewards for hotel stays, flights, vacation packages and more. You can also transfer miles earned with this card to several , such as Accor, Air Canada and Asia Miles. With this card, you can earn a one-time bonus of 50,000 miles after you spend $4,500 on your card within the first three months. Your miles never expire as long as the account is in good standing, and there’s no limit to the number of miles you can earn. This card does have a $95 annual fee, but it’s waived the first year. Plus, you can receive up to a $100 credit for one Global Entry or TSA PreCheck application fee. Consider this card if you want to earn a flat rate of travel rewards for each dollar your business spends
Earning a flat 2X miles for each dollar you spend can be attractive if you don’t want to keep track of complicated rewards schemes. This card also comes with free employee cards, so you can earn flat-rate rewards on purchases your employees make as well. How to choose the business travel card for you
If you’re struggling to figure out which travel business cards to consider, you should know you’re not alone. The following tips can help you sort through the best business cards for travel based on the flexibility you need and how much you’re willing to spend. Decide which travel perks you want
Many of the top travel credit cards for small business owners come with travel benefits like airport lounge access, airline fee credits or fee credits for Global Entry or TSA PreCheck membership. While you’ll pay a higher annual fee for a card with any of these perks, the investment can be worth it if you travel often. Look for rewards flexibility
If you’re not traveling a lot right now, you should also make sure you have plenty of options when it comes to cashing in your rewards. The for travel let you cash in points for flexible travel redemptions or for statement credits, merchandise or gift cards. Compare fees and interest rates
There’s nothing wrong with paying the annual fee on a business credit card if the rewards or cardholder perks make up for it. Still, you should take the time to compare cards and their fees, as well as the long-term interest rate you might pay. If you plan to carry a balance, you should look for cards that offer 0 percent interest for a limited time. If you travel outside of the country often, you’ll want to look for a . The bottom line
The best travel business cards can help you earn rewards and gain access to special benefits, but one type of card may leave you better off than another. Make sure to compare all of your options side-by-side before you sign up for a business credit card, and only sign up once you have found one that suits your needs, goals and lifestyle. SHARE: Holly Johnson writes expert content on personal finance, credit cards, loyalty and insurance topics. In addition to writing for Bankrate and CreditCards.com, Johnson does ongoing work for clients that include CNN, Forbes Advisor, LendingTree, Time Magazine and more. Ana Staples is a reporter for Bankrate and an expert on all things credit basics and personal finance for the younger generation. Liz Bingler is an Associate Editor for CreditCards.com and Bankrate, where she focuses on product news and reviews. As an editor, her goal is to produce content that will help people to make informed financial decisions. Related Articles