Best Credit Cards for Business Travel: Top Picks for Entrepreneurs
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For entrepreneurs, traveling for business can be both thrilling and necessary. Maintaining your side project or small company is crucial, but it’s also a chance to win prizes that can improve your vacation experiences.
Using the best credit cards for business travel gives you extra benefits like lounge access, complimentary hotel stays, and bill credits for travel costs, in addition to earning points or miles for your purchases. This post will examine the best credit cards for business travel, taking into account various incentives and perks that cater to company owners.
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Choosing the Right Business Travel Card
The kind of incentives that would be most beneficial to you should be taken into account when choosing a business travel card. There are several choices, each with special benefits. Bonus rewards cards give extra points in certain areas, whereas flat-rate cards give a certain number of points or miles for each dollar spent.
Travel cards with a general purpose offer versatile rewards that may be used to cover a range of travel-related costs. Conversely, corporate credit cards linked to certain hotel or airline networks provide the highest value in rewards when used in conjunction with those brands.
Based on fees, rewards rates, redemption choices, and other considerations, we have analyzed and chosen the top credit cards for business travel so that you can make an educated choice. We should explore our best options:
Best Overall: Capital One Spark Miles for Business
The Capital One Spark Miles for Business card is an excellent choice for earning unlimited travel points. With no minimum redemption amount, you can earn two miles per dollar on every purchase, everywhere. There are no limits or category restrictions, and the miles won’t expire for the life of your account. Additionally, you can earn five times the miles on hotels and rental cars booked through Capital One Travel. The card allows you to transfer your miles to over 15 travel loyalty programs and redeem them instantly for any travel-related purchases. With a $0 intro annual fee for the first year, followed by $95, this card offers great value for business travelers.
Best for Travel Rewards Bonus Categories and Welcome Offer: Ink Business Preferred® Credit Card
The Ink Business Preferred® Credit Card stands out for its generous welcome offer and bonus categories. You can spend $8,000 on purchases during the first three months of your account’s opening to earn 100,000 points. Cashed via Chase Ultimate Rewards, this can be swapped for $1,250 in travel costs or $1,000 in getting your money back.
Furthermore, you earn three points per dollar on the first $150,000 spent on travel and select business categories each account anniversary year. For all other purchases, you earn one point per dollar. With round-the-clock monitoring for unusual credit card purchases and zero liability for unauthorized charges, this card provides peace of mind during your business travels.
Best for Business Travel with No Annual Fee: Bank of America® Business Advantage Travel Rewards World Mastercard® Credit Card
If you’re in need of the best business credit cards for business travel without an additional payment yearly, you can opt for the Bank of America Business Advantage Travel Rewards World Mastercard Credit Card for a fantastic service. As a new customer, you are eligible for a new cardholder incentive offer.
If, during the first ninety days after opening an account, you spend at least $3,000 on purchases, you could receive 30,000 online bonus points. Redeeming this offer will earn you a $300 statement credit that may be used for dining or travel costs. You will always be able to redeem 1.5 points for every dollar you spend on purchases. You will never run out of points because of this. The points are not lost as long as your account is active.
If you’re looking for a business travel card without an annual charge, Bank of America’s corporate Advantage Travel Rewards World Mastercard® Credit Card is a fantastic choice.
A new cardholder bonus offer can earn you thirty thousand online bonus points after you spend at least three thousand dollars within the first ninety days of opening your account. A $300 statement credit that can be used for dining out or travel expenses can be obtained by exchanging your incentive. You can earn as many points as you wish for each dollar you spend on purchases—1.5 points for every dollar. As long as your account is active, the points remain valid.
Best for Business Credit with Airport Lounge Access: The Business Platinum Card® from American Express
The Business Platinum Card® from American Express provides comprehensive travel benefits, including airport lounge access. With a welcome bonus of 120,000 Membership Rewards® points after spending $15,000 on qualified purchases within the first three months of Card Membership, this card offers excellent value right away. When you book flights and hotels in advance through AmexTravel.com, you receive five times the points.
You also receive one point for every dollar you spend on other qualifying purchases. Through the American Express Global Lounge Collection®, which provides free access to more than 1,400 airport lounges in 140 countries, the card also provides extensive access to airport lounges.
Furthermore, you receive statement credits for airline incidental fees, Dell purchases, and CLEAR® Plus Membership. Although this card has a high annual fee of $695, the benefits and rewards it offers can outweigh the cost for frequent business travelers.
Best for Airline Miles and Companion Certificate: Delta SkyMiles® Reserve Business American Express Card
For business travelers who frequently fly with Delta Air Lines, the Delta SkyMiles® Reserve Business American Express Card is an excellent choice. With a limited-time offer of 100,000 bonus miles after spending $12,000 on purchases within the first six months of Card Membership, you can quickly accrue miles for your travels.
You earn one mile per dollar on eligible purchases and three miles per dollar spent on Delta purchases. The card also provides complimentary access to Delta Sky Club® lounges and the Centurion® Lounge partner network. Additionally, you receive a companion certificate each year, which allows you to bring a companion on a flight for a reduced fare. While this card has an annual fee of $550, the rewards and benefits it offers can enhance your business travel experiences.
Best for Airline Miles: United Business Card
The United Business Card is an ideal choice for business travelers who frequently fly with United Airlines. After spending $5,000 on purchases within the first three months of opening an account, you can quickly accrue miles for future travel with a welcome offer of 75,000 bonus miles.
You receive one mile for every dollar spent, with extra chances to earn two miles for every dollar spent on United purchases and two miles for every dollar spent on dining, certain gas stations, office supply stores, local transportation, and commutes.
The card also offers a free checked bag benefit, priority boarding privileges, and United Club passes each year. While it has an annual fee of $99, the card’s rewards and perks can make it a valuable asset for business travelers.
Best for Free Hotel Stays: Marriott Bonvoy Business® American Express® Card
The Marriott Bonvoy Business® American Express® Card is a top choice for business travelers who prefer staying at Marriott hotels. You can earn valuable points for future hotel stays with a limited-time offer of 125,000 bonus Marriott Bonvoy points after using your new Card to make $8,000 in purchases within the first six months of Card Membership.
You earn six times the points on each dollar of eligible purchases at participating Marriott Bonvoy hotels and four times the points for purchases at restaurants worldwide, U.S. gas stations, wireless telephone services from U.S. providers, and U.S. purchases for shipping.
Additionally, the card provides an annual free night award and automatic Marriott Bonvoy Gold Elite status. While it has an annual fee of $125, the card’s rewards and benefits can provide significant value for frequent business travelers.
Best for Hotel Rewards and Welcome Offer: The Hilton Honors American Express Business Card
The Hilton Honors American Express Business Card is a great option for business travelers who want to stay at Hilton hotels. You may rapidly accrue points for complimentary hotel stays with the introductory bonus of 130,000 Hilton Honors Bonus Points after spending $3,000 on purchases within the first three months of Card Membership.
When you make qualifying purchases at U.S. restaurants, U.S. supermarkets, and U.S. petrol stations, you receive three times as many points as when you make the same purchases at Hilton Hotels and Resorts.
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In addition, the card offers free Hilton Honors Gold status, 10 complimentary passes to certain airport lounges annually, and the chance to receive a gratis weekend night when reaching $15,000 in purchases within a single calendar year.
While it has an annual fee of $95, the card’s rewards and benefits can enhance your business travel experiences.
Best for Earning Points and Intro APR Period: The Blue Business® Plus Credit Card from American Express
For company owners looking to accrue points and take advantage of an introductory APR period, American Express’s Blue Company® Plus Credit Card is a great option.
You may begin earning rewards straight away with a welcome bonus of 15,000 Membership Rewards points after spending $3,000 on qualified purchases throughout the first three months of Card Memberships.
The card is a good choice for controlling cash flow because it features a 0% introductory APR on purchases for a full year, starting on the day the account is opened. For regular business expenses like office supplies or client dinners, you receive twice as many points, up to the first $50,000 spent annually.
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After that, you earn one point per dollar on all other eligible purchases. With no annual fee, this card provides a cost-effective way to earn rewards for your business travels.
Best for Cash Back on Everything, Especially Travel: Capital One Venture X Business
The Capital One Venture X Business card is an excellent choice for entrepreneurs who want to earn cash back on all purchases, especially travel expenses. With this card, you can earn unlimited 2X miles on every purchase, everywhere, with no limits or category restrictions.
Additionally, you earn unlimited 10X miles on hotels and rental cars and 5X miles on flights booked through Capital One Travel. The card offers a welcome offer of 150,000 bonus miles once you spend $30,000 in the first three months from account opening.
These miles can be redeemed for travel purchases, and you can also transfer them to any of the 15+ travel loyalty programs available. Although the card has a high annual fee of $395, the rewards and cash back it offers can make it a valuable asset for frequent business travelers.
Choosing the best credit card for business travel depends on your specific needs and preferences. Whether you prioritize earning unlimited travel points, receiving welcome offers and bonus rewards, enjoying airport lounge access, or earning cash back on your purchases, there’s a business travel credit card that suits your requirements.
Evaluate each card’s rewards rates, redemption options, annual fees, and additional benefits to find the one that aligns with your business travel goals. With the right credit card in hand, you can maximize your rewards and enhance your travel experiences while efficiently managing your business expenses.
It might be easier for business owners to track and manage their company’s finances if they have a credit card specifically designated for business travel that helps keep personal and professional costs apart. Through the utilization of these credit cards’ rewards and privileges, business travelers may not only take advantage of the advantages of business travel but also reduce costs and improve their entire travel experience.
Please Note: The information we provide here is purposely for educational purposes and not to give any financial advice for investment or take any action. You can contact your financial institutions for any specific investment in the financial sector.