Best Business Travel Credit Cards in 2024

The American Express® Business Gold Card is a gem for any business-savvy individual. Its generous initial rewards can quickly set you up for success, and its tailored rewards structure means you're earning more on your top spending areas. Plus, you're in for extra perks like savings on popular services every month. While it does come with a few intricacies in its reward system and some caps, once you get a hang of it, you'll find it's a valuable ally in managing your business expenses. And, let's not forget, you even get to pick its stylish look.

• Introductory Offers

  • Earn 100,000 Membership Rewards points after spending $15,000 on eligible purchases in the first three months.

• Rewards

  • Earn 4X Membership Rewards points on the top two eligible spending categories each month, up to $150,000 annually.
  • Earn 3X points on flights and prepaid hotels booked on amextravel.com.

• Perks & Benefits

  • Get up to $20 in monthly statement credits for eligible purchases at FedEx, Grubhub, and Office Supply Stores, totaling up to $240 annually.
  • Receive up to a $12.95 monthly statement credit for a Walmart+ membership.
  • Choose from three metal card designs: Gold, Rose Gold, and Limited Edition White Gold.

• APRS, Fees, and Penalties

  • Enjoy a 0% Intro APR for six months on eligible purchases, then a variable APR of 18.49% to 27.49%. See Rates and Fees
  • Terms Apply.

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.

• Introductory Offers

  • Earn a one-time bonus of 50,000 miles after spending $4,500 in the first three months.

• Rewards

  • Earn unlimited 2X miles per dollar on every purchase, everywhere.
  • Get unlimited 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel.

• Perks & Benefits

  • Transfer your miles to over 15 travel loyalty programs.
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services.
  • Receive up to a $120 credit for Global Entry or TSA PreCheck.
  • Free employee cards that also earn unlimited 2X miles from their purchases.

• APRS, Fees, and Penalties

  • Enjoy a $0 intro annual fee for the first year; $95 after that.

Frequent Delta fliers who want to maximize their travel rewards and perks will benefit most from the Delta SkyMiles® Reserve Business Amex Card. This airline card offers high rewards on Delta purchases, a companion certificate and free Delta Sky Club® access. While the $650 annual fee might be the kicker, the extra perks like complimentary upgrades and access to exclusive lounges could easily outweigh the cost for frequent Delta travelers who want a luxury trip with Delta.

• Introductory Offers
  • Earn 80,000 Delta SkyMiles after spending $10,000 in the first six months.
• Rewards
  • Earn 3 miles per dollar on eligible Delta purchases.
  • Receive $2,500 Medallion Qualification Dollars each year and earn $1 MQD for every $10 spent.
• Perks & Benefits
  • Enjoy complimentary access to Delta Sky Club and The Centurion Lounge with conditions.
  • Receive an annual Companion Certificate for select flights, with applicable taxes and fees.
  • Get up to $20 in monthly statement credits on eligible Resy purchases.
  • Earn up to $10 back each month on U.S. rideshare purchases.
  • Save 15% on Award Travel bookings with Delta.
  • Enjoy priority boarding and a free checked bag on Delta flights.
  • Receive up to $250 in annual statement credits for Delta Stays bookings.
  • Travel without foreign transaction fees.
• APRS, Fees, and Penalties
  • APR: 19.99%–28.99% Variable See Rates and Fees
  • Terms and limitations apply.

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.

Introductory Offers

• Earn 90,000 bonus points after spending $8,000 in the first three months.

Rewards

• Earn 3 points per dollar on the first $150,000 spent on travel and select business categories each account anniversary year.
• Earn 1 point per dollar on all other purchases.
• Points are worth 25% more when redeemed for travel through Chase Travel.

Perks & Benefits

• Round-the-clock monitoring for unusual credit card purchases.
• Zero Liability protection ensures you're not responsible for unauthorized charges.
• Purchase Protection covers new purchases against damage or theft for 120 days, up to $10,000 per claim and $50,000 per account.
• Redeem points for cash back, gift cards, travel, and more, with no expiration as long as the account is open.

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.

• Introductory Offers

  • Earn 3 Free Night Awards after spending $6,000 in the first six months. Each award can be redeemed for 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.

• Rewards

  • Earn 6x Marriott Bonvoy points on eligible purchases at Marriott Bonvoy hotels.
  • Earn 4x points on dining, U.S. gas stations, wireless services from U.S. providers, and U.S. shipping purchases.
  • Earn 2x points on all other eligible purchases.

• Perks & Benefits

  • Enjoy a 7% discount on eligible bookings as a Marriott Bonvoy member and cardholder.
  • Receive a Free Night Award annually after card renewal.
  • Earn an additional Free Night Award after spending $60,000 in a calendar year.
  • Complimentary Marriott Bonvoy Gold Elite Status.

• APRS, Fees, and Penalties

  • Annual fee of $125. See Rates and Fees
  • Terms Apply.

The Southwest® Rapid Rewards® Performance Business Credit Card a gem for frequent Southwest travelers and business professionals. Its strength lies in the generous rewards on Southwest purchases and specific business-related expenses, bolstered by a tempting sign-up bonus and annual anniversary points. While it does come with an annual fee, the myriad of perks, including upgraded boardings and diverse point-earning categories, makes this card an indispensable tool for those aiming to maximize benefits from their spending.

• Introductory Offers
  • Earn 80,000 Rapid Rewards points after spending $5,000 within the first three months.
• Rewards
  • Earn 4X Rapid Rewards points for every dollar spent on Southwest purchases.
  • Earn 3X points when booking with Rapid Rewards hotel and car partners.
  • Earn 2X points on rideshare, social media, search engine advertising, internet, and phone bills.
  • Earn 1 point per dollar on all other purchases.
• APRS, Fees, and Penalties
  • Annual fee of $199.
  • APR ranges from 20.74% - 27.74% variable.
  • No foreign transaction fees.
• Perks & Benefits
  • Four upgraded boardings per year, based on availability.
  • 9,000 bonus points after your Cardmember anniversary.
  • Up to $100 credit for Global Entry or TSA Precheck application fees every four years.
  • Free additional employee cards.
  • Secondary insurance coverage for rental vehicles.
  • Reimbursement up to $3,000 per passenger for lost luggage.

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.

• Introductory Offers

  • Earn 15,000 Membership Rewards® points after spending $3,000 in the first three months.
  • Enjoy a 0% intro APR on purchases for 12 months from account opening, then a variable APR of 17.49% - 25.49% after that. APR will not exceed 29.99%. See Rates and Fees

• Rewards

  • Earn 2X points on everyday business purchases like office supplies and client dinners, up to $50,000 per year. After that, earn 1 point per dollar.

• APRs, Fees, and Penalties

  • No annual fee. See Rates and Fees

• Perks & Benefits

  • Expanded Buying Power lets you spend beyond your credit limit, adapting to your card usage and payment history. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
  • 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.

• Introductory Offers

  • Earn 150,000 Membership Rewards points after spending $20,000 in the first three months.

• Rewards

  • Earn 5X points on flights and prepaid hotels booked through AmexTravel.com.
  • Earn 1.5X points on eligible purchases at U.S. construction material, hardware suppliers, electronic goods retailers, software & cloud system providers, and shipping providers, as well as purchases of $5,000 or more.
  • Earn 1X point per dollar on all other eligible purchases.

• Perks & Benefits

  • Unlock over $1,000 in statement credits on select purchases in the first year.
  • Get a $200 Airline Fee Credit for incidental fees charged by a selected airline.
  • Receive up to $199 in statement credits for CLEAR Plus Membership renewal.
  • Access over 1,400 airport lounges worldwide with the American Express Global Lounge Collection.

• APRS, Fees, and Penalties

  • $695 annual fee. See rates and fees.
  • 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.

• Introductory Offers
  • Limited Time Offer: Earn 175,000 Hilton Honors Bonus Points after spending $8,000 in the first six months. Offer valid until January 8, 2025.
• Rewards
  • Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
  • Earn 5X points on other purchases up to $100,000 each calendar year, and 3X points thereafter.
• Perks & Benefits
  • Enjoy complimentary Hilton Honors Gold Status, with an 80% bonus on base points earned during stays.
  • Upgrade to Hilton Honors Diamond Status if you spend $40,000 or more in a calendar year.
  • Receive up to $60 in statement credits each quarter for purchases made directly with Hilton properties.
  • Enroll for complimentary National Car Rental Emerald Club Executive status through your American Express online account.
• APRS, Fees, and Penalties
  • Annual fee of $195 See Rates and Fees
  • APR: 19.99%–28.99% Variable See Rates and Fees
  • Terms Apply.

The United℠ Business Card is tailored to the needs of frequent travelers and business professionals, offering a substantial welcome bonus, reward miles on United Airlines purchases and rich travel perks and protections. While it comes with comprehensive travel conveniences, potential cardholders must weigh these with the card's 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 while traveling.

• Introductory Offers
  • Earn 75,000 bonus miles after spending $5,000 in the first three months.
• Rewards
  • Earn 2x miles per dollar on local transit and commuting, including train tickets, taxi cabs, mass transit, tolls and ride share services.
  • Earn 2x miles per dollar at gas stations, dining (including eligible delivery services) and office supply stores
  • Earn 2x miles per dollar on United purchases
  • Earn 1x mile on all other purchases.
  • Receive a 5,000-mile bonus each anniversary with both this card and a personal Chase United card.
• APRS, Fees, and Penalties
  • Enjoy a $0 introductory annual fee for the first year, then $99 annually.
• Perks & Benefits
  • Receive a free first checked bag, potentially saving up to $160 per roundtrip.
  • Get two United Club one-time passes per year.
  • Benefit from priority boarding privileges.
  • Receive a $100 United travel credit after seven United flight purchases of $100 or more each anniversary year.

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.

Introductory Offers

• Earn 60,000 World of Hyatt Bonus Points after spending $5,000 in the first three months.

Rewards

• Earn up to 9 points per dollar at Hyatt properties, including 4 bonus points from the card and up to 5 base points as a World of Hyatt member.
• Earn 2 bonus points per dollar in your top three spending categories each quarter.
• Earn 2 bonus points per dollar on fitness club and gym memberships.
• Earn 1 bonus point per dollar on all other purchases.

Perks & Benefits

• Enjoy up to $100 in Hyatt statement credits annually by spending $50 or more at Hyatt properties twice per year.
• Receive 5 Tier-Qualifying night credits for every $10,000 spent in a calendar year.
• Benefit from World of Hyatt Discoverist status for the duration of your account, extendable to up to five employees.