Are you a business owner or a freelancer who spends a significant amount of money on business-related expenses? If so, why not earn rewards for your spending by using a small-business credit card that offers travel rewards? Not only does it make financial sense to keep your personal and business spending separate, but it also allows you to easily track your business expenses for tax purposes. Plus, many business credit cards offer bonus categories that align with common business expenses like advertising, shipping, and office supplies.
Let’s dive into the top business travel credit cards that can help you reap the benefits of travel rewards while keeping your business running smoothly.
Compare the Top Business Credit Cards for Travel
Best Business Credit Cards for Travel of June 2024
- Ink Business Preferred® Credit Card: Best business credit card overall
- The Business Platinum Card® from American Express: Best business card for premium benefits
- Capital One Venture X Business Card†: Best business credit card for high spenders
- The Blue Business® Plus Credit Card from American Express: Best business credit card for unlimited flat-rate Amex Membership Rewards
- Ink Business Cash® Credit Card: Best business credit card for unlimited flat-rate cashback or Chase Ultimate Rewards®
- American Express® Business Gold Card: Best business card for 4x Amex Membership Rewards categories
- Capital One Spark Miles Select for Business†: Best business credit card for unlimited flat-rate Capital One miles
Business Travel Credit Card Reviews
Travel is an integral part of running a business, and saving both money and time on travel-related issues is crucial for many entrepreneurs. That’s where a good travel rewards credit card comes in. Not only can it help you save money on travel delays, cancellations, interruptions, and lost baggage, but it can also provide additional value both on the road and at home.
Let’s take a closer look at the best credit cards for business travel in 2024, as chosen by Business Insider’s credit card experts.
Best Travel Business Credit Card Overall: Ink Business Preferred® Credit Card
The Ink Business Preferred® Credit Card is a fantastic all-around business credit card for small business owners. With a reasonable $95 annual fee, it offers a generous sign-up bonus and valuable ongoing bonus categories. The rewards come in the form of Chase Ultimate Rewards points, which are perfect for booking travel. In addition, this card provides excellent trip protection and travel insurance perks, as well as cellphone protection benefits.
Right now, new cardholders can earn 100,000 bonus points after spending $8,000 on purchases in the first three months from account opening. You’ll also earn 3 points per dollar on travel, shipping purchases, internet, cable, and phone services, and advertising purchases made with social media sites and search engines.
Best Business Card for Premium Travel Benefits: The Business Platinum Card® from American Express
For those seeking premium travel benefits, The Business Platinum Card® from American Express is the card to consider. Despite its annual fee of $695, it offers an extensive array of perks, including airport lounge access, statement credits, travel and purchase protection, and more. While the earning rates may not be as high as some other cards, the value provided by the benefits offsets the fee for many business owners.
New cardholders can earn 150,000 Membership Rewards® points after spending $20,000 on eligible purchases in the first three months of card membership. You’ll also earn 5x points on flights and prepaid hotels booked through Amex Travel.
Best Business Credit Card for High Spenders: Capital One Venture X Business Card†
If you’re a big spender, the Capital One Venture X Business Card† is an excellent choice. With a $395 annual fee, this card offers a generous welcome bonus of 150,000 miles once you spend $30,000 in the first three months. Its benefits include a $300 annual travel credit, lounge access, cellphone insurance, rental car benefits, and more.
Best Business Credit Card for Unlimited Flat-Rate Cash Back or Amex Membership Rewards: The Blue Business® Plus Credit Card from American Express
The Blue Business® Plus Credit Card from American Express is a hidden gem among business travel credit cards. It offers a simple and generous 2x Membership Rewards points earn rate on every purchase, all with no annual fee. This card is perfect for business owners who prefer a reliable daily-use credit card without the hassle of bonus categories. It also comes with a 0% introductory APR, making it ideal for upcoming major purchases.
Best Business Credit Card for Unlimited Flat-Rate Cash Back or Chase Ultimate Rewards®: Ink Business Cash® Credit Card
For small businesses with lower expenses, the Ink Business Cash® Credit Card is a no-annual-fee option that provides generous cash back on business-related categories. It also offers perks like purchase and extended warranty protection. This card allows you to benefit from the Chase Ultimate Rewards program, making your rewards more versatile and valuable when combined with other Chase credit cards.
The Ink Business Cash® Credit Card offers a $350 cash back bonus when you spend $3,000 on purchases in the first three months, as well as 5% cash back on office supply stores, cable, internet, and phone service, and 2% cash back on gas stations and restaurants.
Best Business Card for 4x Amex Membership Rewards Categories: American Express® Business Gold Card
The American Express® Business Gold Card stands out for its unique feature: it automatically earns 4 points per dollar in your top two spending categories each month, up to a $150,000 annual limit. It also offers valuable Amex Membership Rewards points at a rate of 1x on other eligible spending. Although it comes with a $375 annual fee, the generous rewards and benefits make it worthwhile for many business owners.
Best Business Credit Card for Unlimited Flat-Rate Capital One Miles: Capital One Spark Miles for Business†
The Capital One Spark Miles for Business† is a straightforward business credit card that earns you 2 miles per dollar on every purchase. It has a $95 annual fee (waived the first year) and offers a welcome bonus of 50,000 miles once you spend $4,500 in the first three months. You can redeem your miles for travel, hotels, or rental cars directly through the Capital One Travel portal or transfer them to Capital One’s hotel and airline partners for potentially greater value.
Why You Should Trust Us: How We Chose the Best Business Credit Cards for Travel
At Business Insider, we take our reviews seriously. Our credit card experts are not only experts in evaluating credit cards, but many of them also own and operate their own small businesses. We chose the business credit cards highlighted in this guide based on their rewards, travel benefits, value, and protection. Each card provides a minimum of one cent per dollar spent, offers valuable perks for travel and business expenses, and protects your purchases and assets.
Ready to take your business travel to the next level? Check out our full reviews for each of these top business travel credit cards to find the perfect fit for your needs. Remember, it’s all about earning rewards, saving money, and enjoying the perks that come with being a business owner!
