Best business credit cards for travel

Business owners who travel frequently for work can benefit from reduced costs by finding the best business credit card for travel rewards. Even better, you can use your business expenses to help pay for some much-deserved vacation time. When you use a business credit card that earns travel rewards, you can take advantage of discounted or even free trips all from making your business purchases with the right credit card. 

The key is to maximize your earnings with low-fee or no-fee cards that have the best rewards structure for your spending. In many cases, you can benefit from other perks as well. Work hard and play hard with one of these business credit cards in your wallet. You’ll thank yourself the next time you upgrade to business class for free or fund your next conference entirely with your travel points. 

Best for no foreign transaction fees: Capital One® Spark® Miles for Business

Essentials:

  • Annual Fee: $0 for the first year, $95 afterwards
  • 2x miles on all purchases
  • 19.24% APR
  • Intro Bonus: 50,000 miles when you spend $4,500 during the first three months

Even better: 

Ideal for frequent globetrotters, the Spark Miles for Business credit card provides up to $100 for Global Entry or TSA Pre-check to expedite your time spent at the airport. You also won’t pay any foreign transaction fees when you use your card overseas. 

Additionally, Capital One partners with 15 travel partners with which you may redeem your miles, giving you flexibility in how you travel. It’s simple to manage your expenses with the ability to download all of your credit card activity directly into Quicken, QuickBooks or Excel. 

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

Essentials:

  • Annual Fee: $0
  • Unlimited 1.5x points for purchases, plus 3x points earned when you book travel through the Bank of America Travel Center
  • APR: 13.24% to 23.24%
  • 0% intro APR on purchases made during the first nine months
  • Intro Bonus: 250,000 points after you spend $1,000 or more in the first 60 days

Even better: 

There’s no limit or expiration date when you start accruing points with the Bank of America Business Advantage Travel Rewards World Mastercard. Your points take you farther when you use Bank of America’s platform to book travel, which is conveniently powered by Experian. Boost your points accrual by 75% when you become a Preferred Rewards for Business Platinum Honors tier member.

Best for cashflow flexibility:  American Express® Business Gold Card

Essentials:

  • Annual Fee: $295
  • 4x rewards points on two select categories in which you spend the most and 1x on other purchases
  • APR: 15.99% to 23.99%
  • Intro Bonus: $500 statement credit when you purchase certain FedEx services within the first three months

Even better: 

On top of earning Membership Rewards, the American Express Business Gold Card also includes a 25% airline bonus when you book travel using your points. You can earn up to 250,000 points back each year with this method. The card also offers increased purchasing power because there’s no set spending limit. Instead, your limit fluctuates based on things like your payment history and credit record. 

Best for startups:  Brex Corporate Card for Startups

Essentials:

  • Annual Fee: $0
  • Multiple tiers of points earning, ranging from 1x on general purchases to 7x on rideshares – plus more in between
  • APR: 0% (cannot carry balances forward each month)

Even better: 

The Brex Corporate Card for Startups is a unique contender in the world of business cards. It’s not a credit card, but actually a charge card, meaning your entire balance is due at the end of the billing cycle. Points accrual is tiered based on category and you can earn more for purchases on recurring software fees, restaurants, travel and ridesharing. Plus, there’s no personal guarantee so you can keep things strictly business.

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

Essentials:

  • Annual Fee: $595
  • 5X rewards on flights and prepaid hotels through American Express
  • APR: 0% (cannot carry balances forward each month)
  • Intro Bonus: Earn up to 100,000 points when you spend $25,000 during the first three months

Even better: 

In addition to a high earning rate for travel, the Business Platinum Card also offers 50% more points on any purchases totalling $50,000 or more. Other spending categories earn between 1x and 1.5x points for eligible purchases. When you use your points for flights, you’ll also get 35% of your rewards back. 

Additional travel perks include a $200 airline fee credit each year and a one-year membership to WeWork with their Platinum Global Access plan. You also get access to the American Express Global Lounge Collection at more than 1,200 airports worldwide. 

Best for large signup bonus: Ink Business Preferred℠ Credit Card

Essentials:

  • Annual Fee: $95
  • Earn 3X points on travel and select categories
  • APR: 17.99% to 22.99%
  • Intro Bonus: 80,000 bonus points when you spend $5,000 during the first three months

Even better: 

The Ink Business Preferred Credit Card from Chase comes with more powerful rewards when you book your business travel through the Chase Ultimate Rewards platform. Earn an extra 25%, making your 80,000 bonus points actually worth $1,000 in travel. If you travel abroad frequently, you’ll enjoy zero foreign transaction fees, plus all cardholders receive extra perks like trip cancellation insurance and roadside dispatch.