9 Best Business Credit Cards for Travel in 2022

Luggage allowance. Reward points. Transfer fee waivers and more are the perks of a card that builds your business credit score like no other, whether you’re traveling for work or pleasure. Want to know which cards offer these benefits? Let’s find out!

The “best business credit cards for new business” is a list of the 9 best business credit cards that are available in 2022. The list includes information about the card, such as what type of rewards it offers and how much it charges.

Editor’s note: This is a periodic piece containing card information that is updated on a regular basis.

Consider what perks are most important to you while shopping for the best business travel card. Others cards give rewards in the form of miles, points, or cash back, as well as amenities like lounge access or room upgrades, while some are tied to a certain airline or hotel.

Do you travel often, and do you prefer domestic or foreign trips? Keep in mind that travel credit cards have some of the highest a yearly fees, so take use of all of the card’s advantages, privileges, and discounts to get the most out of it.

The finest business credit cards for travel are as follows:

Some of these travel credit cards’ services and perks may be impacted by the COVID-19 epidemic. For the most up-to-date information on travel safety and regulations, consult the issuer’s website and the Centers for Disease Control and Prevention (CDC).

Do you want to compare the attributes of two cards? We’ve made it simple for you to do so! To add up to three cards to your basket, just check them off on this page. You’ll be able to compare the information in a side-by-side comparison this way.

Capital One® Spark® Business Miles: The Best Business Travel Credit Card

Capital One® Spark® Business Miles

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Every swipe earns you 2x miles.

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on Capital One® Spark® Business Miles’s secure website.

Compare with

APR on a regular basis

20% (20.99%) (Variable)

a yearly fee

For the first year, there is no charge; after that, it is $95 each year.

Credit is required.

Excellent, Good

• After spending $4,500 in the first three months, you’ll get a $500 trip incentive.
• 2 kilometers for every $1 invested
• Employee cards may be distributed for free.

Pros

• There are no costs for international transactions.
• Credit for TSA Pre® or Global Entry application fees

Cons

• You’ll pay an a yearly fee after the first year
• Doesn’t provide interest-free credit.

• Once every four years, you’ll get a $100 statement credit for Global Entry or a $85 statement credit for TSA Pre® airport security screening.
• Most purchases bought solely with your card are protected if they are destroyed or stolen within 90 days of the purchase date. The amount of coverage is capped at $10,000 per claim and $50,000 per cardholder account per year.
• On most things you buy, extended warranty coverage doubles the original guarantee duration and duplicates the coverage of the original manufacturer’s warranty for a maximum of 12 months. 
• Medical referrals if you have a medical emergency while traveling: If you suffer a medical emergency while traveling, provide recommendations to medical assistance. If you’re 100 miles or more from home, you’re protected from the time you depart until midnight on the 60th day of your vacation, or until you return to your home city, whichever comes first.

APR on a regular basis

20% (20.99%) (Variable)

a yearly fee

For the first year, there is no charge; after that, it is $95 each year.

Credit is required.

Excellent, Good

• After spending $4,500 in the first three months, you’ll get a $500 trip incentive.
• 2 kilometers for every $1 invested
• Employee cards may be distributed for free.

Pros

• There are no costs for international transactions.
• Credit for TSA Pre® or Global Entry application fees

Cons

• You’ll pay an a yearly fee after the first year
• Doesn’t provide interest-free credit.

• Once every four years, you’ll get a $100 statement credit for Global Entry or a $85 statement credit for TSA Pre® airport security screening.
• Most purchases bought solely with your card are protected if they are destroyed or stolen within 90 days of the purchase date. The amount of coverage is capped at $10,000 per claim and $50,000 per cardholder account per year.
• On most things you buy, extended warranty coverage doubles the original guarantee duration and duplicates the coverage of the original manufacturer’s warranty for a maximum of 12 months. 
• Medical referrals if you have a medical emergency while traveling: If you suffer a medical emergency while traveling, provide recommendations to medical assistance. If you’re 100 miles or more from home, you’re protected from the time you depart until midnight on the 60th day of your vacation, or until you return to your home city, whichever comes first.

Why we like it: The best feature of the Capital One® Spark® Business Miles card is its simplicity: earn 2x miles on every single business purchase. If you use this card to book hotels and rental cars with Capital One Travel, you can earn 5x miles per $1 with no blackout dates or seat restrictions. If your travel expenses are varied, don’t worry about spending categories or keeping track of limits, and there’s no limit to the number of reward miles you can earn.

Transfer your points to one of Capital One’s 19 travel partners, including Air France, Cathay Pacific, Emirates, and Qantas, to redeem for flights or hotels. If you don’t want to be restricted to its travel partners, you may use Capital One’s Purchase Eraser, which is worth 1 cent every 1 Capital One mile, to credit miles earned against any eligible travel purchase. You may use your reward miles for flights, hotels, train lines, auto rentals, limousine services, taxis, and ridesharing regardless of where you bought them.

Within the first three months of opening an account, spend $4,500 on purchases and earn 50,000 miles, which is equal to $500 in travel. Many travel cards have high a yearly fees that accompany perks and benefits, but the Capital One® Spark® Business Miles card charges $0 the first year and just $95 each year after. Plus there’s no foreign transaction fee. This card is straightforward and easy to use, which is why we selected it as our best overall business credit card for travel and our best overall business credit card for miles.

The American Express Business Platinum Card® is the best way to travel in style across the world.

American Express’s Business Platinum Card®

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Obtaining unparalleled travel rewards and luxury travel benefits such as access to airport lounges

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on American Express’s Business Platinum Card®’s secure website.

Compare with

Intro APR

See the APR (Annual Percentage Rate) for Pay Over Time.

APR on a regular basis

Variable 14.49 percent – 22.49 percent

Credit is required.

Good, Excellent

• Spend $15,000 on qualifying purchases with your Card during the first three months of Card membership to earn 120,000 Membership Rewards® points.
• Plus, for purchases qualifying for Pay Over Time, there’s a 0% Intro APR for the first 12 months from the day the account is opened. Then, depending on your creditworthiness and other characteristics established at the time of account establishment, your APR will range from 14.49 percent to 22.49 percent.
• On amextravel.com, earn 5X Membership Rewards® points on flights and prepaid hotels, and 1X points for every dollar spent on qualifying products.
• Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
• Get up to $1,000 in statement credits each year with your Card on certain purchases, including up to $400 with Dell Technologies, $360 with Indeed, $150 with Adobe, and $120 on cellular phone purchases. It is necessary to enroll.
• $200 Airline Fee Credit: Earn up to $200 in statement credits each calendar year at one qualified airline for baggage fees and other expenses.
• $179 CLEAR® Credit: Use your Card to earn up to $179 off your CLEAR® membership each year.
• At the airport, the American Express Global Lounge Collection® may offer a welcome respite. As of 9/2021, you have more lounge location possibilities than any other credit card on the market, with over 1,400 airport lounges in 140 countries and counting.
• $695 a yearly fee.
• Terms and Conditions apply.

Pros

• Travel rewards of the highest quality
• Free access to over 1,300 airport lounges across the globe
• There are no costs for international transactions.

Cons

• The balance is required in full every month.
• High a yearly fee

• American Express lounges: Free admission to American Express’ Centurion lounges, which are available in little over a dozen US airports.
• Other airport lounges: Priority Pass Select membership, which grants you and two guests free access to over 1,300 lounges worldwide.
• A $100 statement credit for Global Entry every four years or a $85 statement credit for TSA Pre® every four and a half years for airport screening.
• Up to $200 in yearly statement credit on air travel expenditures like as baggage fees and in-flight food and beverage.
• Rental status: At a number of automobile rental businesses, you have elite status.
• Free Wi-Fi: ten free Gogo in-flight Wi-Fi passes each year.
• Rebate for redeemed points: If you book a business or first-class flight, you’ll get a 35 percent points rebate, up to 500,000 bonus points per calendar year.
• Dell statement credit: For Dell purchases, you may get up to $400 in statement credits each year.

Intro APR

See the APR (Annual Percentage Rate) for Pay Over Time.

APR on a regular basis

Variable 14.49 percent – 22.49 percent

Credit is required.

Good, Excellent

• Spend $15,000 on qualifying purchases with your Card during the first three months of Card membership to earn 120,000 Membership Rewards® points.
• Plus, for purchases qualifying for Pay Over Time, there’s a 0% Intro APR for the first 12 months from the day the account is opened. Then, depending on your creditworthiness and other characteristics established at the time of account establishment, your APR will range from 14.49 percent to 22.49 percent.
• On amextravel.com, earn 5X Membership Rewards® points on flights and prepaid hotels, and 1X points for every dollar spent on qualifying products.
• Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
• Get up to $1,000 in statement credits each year with your Card on certain purchases, including up to $400 with Dell Technologies, $360 with Indeed, $150 with Adobe, and $120 on cellular phone purchases. It is necessary to enroll.
• $200 Airline Fee Credit: Earn up to $200 in statement credits each calendar year at one qualified airline for baggage fees and other expenses.
• $179 CLEAR® Credit: Use your Card to earn up to $179 off your CLEAR® membership each year.
• At the airport, the American Express Global Lounge Collection® may offer a welcome respite. As of 9/2021, you have more lounge location possibilities than any other credit card on the market, with over 1,400 airport lounges in 140 countries and counting.
• $695 a yearly fee.
• Terms and Conditions apply.

Pros

• Travel rewards of the highest quality
• Free access to over 1,300 airport lounges across the globe
• There are no costs for international transactions.

Cons

• The balance is required in full every month.
• High a yearly fee

• American Express lounges: Free admission to American Express’ Centurion lounges, which are available in little over a dozen US airports.
• Other airport lounges: Priority Pass Select membership, which grants you and two guests free access to over 1,300 lounges worldwide.
• A $100 statement credit for Global Entry every four years or a $85 statement credit for TSA Pre® every four and a half years for airport screening.
• Up to $200 in yearly statement credit on air travel expenditures like as baggage fees and in-flight food and beverage.
• Rental status: At a number of automobile rental businesses, you have elite status.
• Free Wi-Fi: ten free Gogo in-flight Wi-Fi passes each year.
• Rebate for redeemed points: If you book a business or first-class flight, you’ll get a 35 percent points rebate, up to 500,000 bonus points per calendar year.
• Dell statement credit: For Dell purchases, you may get up to $400 in statement credits each year.

We like it because: If you travel internationally often and value luxury, the American Express Company Platinum Card®, one of our top picks for best small business credit cards and best overall business credit cards with lounge access, is a must-have. You can get the following benefits if you have a Business Platinum card:

• Upgrades to car rentals
• Marriott Bonvoy and Hilton Hotels and Resorts provide Gold status.
• Access to The Centurion Lounge’s 1,300 airport lounges in 140 countries is complimentary.
• Per calendar year, you’ll get a $200 airline credit for incidentals like checked luggage and beverages.
• When you pay for CLEAR, Global Entry, or TSA pre-check, you’ll get an annual statement credit.
• On flights and prepaid hotels booked with Amex Travel, you’ll earn 5x Membership Rewards® points.
• Returned points: if you use Membership Rewards® points to pay for part or all of a flight booked via Amex Travel, you’ll earn 35 percent of your points back, up to 500,000 points per calendar year.
• For customised advice and itineraries, contact Business Platinum Travel Service.

Stay at nearly 1,800 properties via the American Express Premium Hotel Program and Fine Hotels + Resorts® and The Hotel Collection. During your stay, you may use a $100 or more experience credit for food and drinks, spa treatments, a round of golf for two, or a private airport transfer.

You may spend Membership Rewards® points for high-quality retail, technology, Apple® products, home and outdoor, and gift cards in addition to travel. You may also use points to transfer to a loyalty program. Choose from 17 domestic and international airlines, as well as one of three hotel loyalty programs: Choice Privileges®, Hilton Honors, or Marriott BonvoyTM.

While there is a $695 a yearly fee, benefit from the card right away with a 0% APR in the first 12 months and by earning 100,000 points after spending $15,000 in the first three months of card ownership.

Best for 4x Points Where You Spend the Most: The American Express® Business Gold Card is a credit card issued by American Express.

The American Express® Business Gold Card is a credit card issued by American Express.

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Getting the most out of your incentives in the two areas where you spend the most

Apply Now

on The American Express® Business Gold Card is a credit card issued by American Express.’s secure website.

Compare with

APR on a regular basis

Variable 14.49 percent – 22.49 percent

Credit is required.

Good, Excellent

• Spend $10,000 on qualifying purchases with the Business Gold Card during the first three months of Card Membership to earn 70,000 Membership Rewards® points.
• MORE REWARDS: Earn 4X Membership Rewards® points in the two areas where your company spends the most money each month. Other purchases give you 1X points. **
• **The first $150,000 in combined purchases from these two categories each calendar year earns you 4X points.
• AIRLINE BONUS: Earn 25% back after using points to book all or part of a qualifying flight with Amex Travel, up to 250,000 points per calendar year*.
• OPTION TO PAY OVER TIME: Choose whether to pay for eligible purchases in full each month or to pay over time with interest.
• *Conditions apply.

Pros

• Every month, earn 4x points in two categories.
• Pay qualifying charges over time with interest, or make a monthly payment in full.

Cons

• You’ll pay a high a yearly fee of $295
• There are no options for interest-free financing.

• Free premium roadside assistance up to four times each year. Towing up to 10 miles, winching, jump starts, flat tire changing, lockout service while the key is in the car, and up to two gallons of gas delivery are all available.
• When a retailer refuses to accept returns of undamaged merchandise, American Express will repay you for qualified purchases. Coverage is restricted to 90 days from the date of purchase, a maximum of $300 per item, and $1,000 per year.
• Baggage insurance: You may get up to $1,250 in coverage for carry-on luggage and $500 for checked luggage if your luggage is lost, damaged, or stolen.
• Purchases with valid warranties of five years or fewer are eligible for an extended warranty of one year.
• Purchase protection: Within 90 days after purchase, new items are covered against damage or theft. The maximum amount of coverage is $1,000 per occurrence.

APR on a regular basis

Variable 14.49 percent – 22.49 percent

Credit is required.

Good, Excellent

• Spend $10,000 on qualifying purchases with the Business Gold Card during the first three months of Card Membership to earn 70,000 Membership Rewards® points.
• MORE REWARDS: Earn 4X Membership Rewards® points in the two areas where your company spends the most money each month. Other purchases give you 1X points. **
• **The first $150,000 in combined purchases from these two categories each calendar year earns you 4X points.
• AIRLINE BONUS: Earn 25% back after using points to book all or part of a qualifying flight with Amex Travel, up to 250,000 points per calendar year*.
• OPTION TO PAY OVER TIME: Choose whether to pay for eligible purchases in full each month or to pay over time with interest.
• *Conditions apply.

Pros

• Every month, earn 4x points in two categories.
• Pay qualifying charges over time with interest, or make a monthly payment in full.

Cons

• You’ll pay a high a yearly fee of $295
• There are no options for interest-free financing.

• Free premium roadside assistance up to four times each year. Towing up to 10 miles, winching, jump starts, flat tire changing, lockout service while the key is in the car, and up to two gallons of gas delivery are all available.
• When a retailer refuses to accept returns of undamaged merchandise, American Express will repay you for qualified purchases. Coverage is restricted to 90 days from the date of purchase, a maximum of $300 per item, and $1,000 per year.
• Baggage insurance: You may get up to $1,250 in coverage for carry-on luggage and $500 for checked luggage if your luggage is lost, damaged, or stolen.
• Purchases with valid warranties of five years or fewer are eligible for an extended warranty of one year.
• Purchase protection: Within 90 days after purchase, new items are covered against damage or theft. The maximum amount of coverage is $1,000 per occurrence.

Why we like it: If you’re looking for an American Express® card for travel with a not-so-steep a yearly fee, the The American Express® Business Gold Card is a credit card issued by American Express. may be the right fit. The highlight of this card is that your spending habits determine where your rewards points go. For the first $150,000 in combined purchases, you get 4x Membership Rewards® points per $1 on the two categories where your business spends the most, including airfare purchased directly from airlines. Get 25% of your points back if you redeem your Membership Rewards® points through Amex Travel, up to 250,000 points back each calendar year.

You can quickly recoup the $295 a yearly fee with 4x Membership Rewards® points earned on everyday expenses, such as advertising―online, television, and radio―United States gas stations, and US restaurants, including takeout and delivery. One-time or recurring purchases of computer hardware, software, and cloud solutions are also eligible, and 1x points can be earned on all other purchases.

Spend $10,000 on qualifying purchases during the first three months of card possession to receive 70,000 Membership Rewards® points as a welcome incentive.

Best for Its Introductory Bonus: Chase Ink Business Preferred®

Credit Card Ink Business Preferred®

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Maximizing travel rewards at a lower a yearly fee

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Chase’s Protected Website

Compare with

APR on a regular basis

Variable between 15.99 and 20.99 percent

• Spend $15,000 on purchases in the first three months after creating your account to get 100k bonus points. When redeemed via Chase Ultimate Rewards®, that’s $1,000 in cash or $1,250 in travel.
• Each account anniversary year, get 3 points for every $1 spend on travel and certain business categories. On all other purchases, you’ll get 1 point for every $1 spent.
• Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
• You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
• Points may be redeemed for cash, gift cards, vacation, and more, and they don’t expire as long as your account is active.
• When you redeem points for travel with Chase Ultimate Rewards®, your points are worth 25% more.
• Purchase Protection protects your new purchases against damage or theft for 120 days, up to $10,000 per claim and $50,000 per account.

Pros

• Possibility of increasing the value of award points
• Provides mobile phone insurance as well as trip cancellation insurance.

Cons

• Doesn’t provide a term of interest-free credit.
• Charges an a yearly fee

• When renting a car for work, the collision damage waiver is primary, meaning it takes precedence over any personal insurance coverage you may have. Most automobiles in the United States and overseas are covered for theft and accident damage up to the real monetary worth of the vehicle.
• You and the workers whose names appear on the phone bill you pay with your card are insured for up to $600 in theft or damage per claim. You may only make three claims in a 12-month period, and each claim has a $100 deductible.
• If your vacation is canceled, you may be reimbursed up to $15,000 for planned expenditures like airline or lodging. If your flight is delayed for more than 12 hours, you may be eligible for a $500 hotel, food, and transportation reimbursement.

APR on a regular basis

Variable between 15.99 and 20.99 percent

Credit is required.

Good, Excellent

• Spend $15,000 on purchases in the first three months after creating your account to get 100k bonus points. When redeemed via Chase Ultimate Rewards®, that’s $1,000 in cash or $1,250 in travel.
• Each account anniversary year, get 3 points for every $1 spend on travel and certain business categories. On all other purchases, you’ll get 1 point for every $1 spent.
• Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
• You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
• Points may be redeemed for cash, gift cards, vacation, and more, and they don’t expire as long as your account is active.
• When you redeem points for travel with Chase Ultimate Rewards®, your points are worth 25% more.
• Purchase Protection protects your new purchases against damage or theft for 120 days, up to $10,000 per claim and $50,000 per account.

Pros

• Possibility of increasing the value of award points
• Provides mobile phone insurance as well as trip cancellation insurance.

Cons

• Doesn’t provide a term of interest-free credit.
• Charges an a yearly fee

• When renting a car for work, the collision damage waiver is primary, meaning it takes precedence over any personal insurance coverage you may have. Most automobiles in the United States and overseas are covered for theft and accident damage up to the real monetary worth of the vehicle.
• You and the workers whose names appear on the phone bill you pay with your card are insured for up to $600 in theft or damage per claim. You may only make three claims in a 12-month period, and each claim has a $100 deductible.
• If your vacation is canceled, you may be reimbursed up to $15,000 for planned expenditures like airline or lodging. If your flight is delayed for more than 12 hours, you may be eligible for a $500 hotel, food, and transportation reimbursement.

Why we enjoy it: Why wait a long time to earn points that may be used toward travel? You’ll get 100,000 extra points if you spend $15,000 on your Chase Ink Business Preferred® card in the first three months of card possession. When you book travel with Chase Ultimate Rewards®, you’ll get the equivalent of $1,000 cash back or $1,250. When you use Chase Ultimate Rewards® to book business travels, your points are worth 25 percent more.

Earn 3 points for every $1 spent on:

• Your first $150,000 in travel expenses
• Expenses for the internet, cable, phone, and shipping
• Google, Facebook, and Yahoo provide social media and search engine advertising.

You get 1 point per $1 on all other purchases. Redeem your points for over 175 brands of gift cards, travel, merchandise, cash back as a statement credit, Chase DiningSM, or Apple® products through Chase Ultimate Rewards®. Earn points when you spend up to $150,000 in combined purchases each account anniversary year. This card has a low a yearly fee of $95.

The American Express Hilton Honors Business Card is the best choice for stays at Hilton Hotels and Resorts across the world.

The American Express Hilton Honors Business Card

Getting the most out of your Hilton purchases

Apply Now

on The American Express Hilton Honors Business Card’s secure website.

Compare with

APR on a regular basis

Variable (15.99 percent – 24.99 percent)

Credit is required.

Good, Excellent

• Offer: Earn 130,000 Hilton Honors Bonus Points with a Free Night Reward after spending $3,000 on the Hilton Honors Business Card during the first three months of card membership.
• Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X on all other eligible purchases. Terms & Limitations Apply.
• With your Hilton Honors Business Card, you’ll get free Hilton Honors Gold Status.
• After spending $15,000 on your Card in a calendar year, you’ll get a Weekend Night Reward from Hilton Honors.
• After spending an additional $45,000 on your Card in the same calendar year, you’ll get another Weekend Night Reward from Hilton Honors.
• Terms and Conditions apply.

Pros

• Low a yearly fee
• There are no costs for international transactions.
• Hilton Gold Status is complimentary.

Cons

• Other than hotel stays, there are few choices for redemption.
• Balance transfers are not permitted.
• There is no introductory APR of 0%.

• Free Hilton Honors Gold Status: You’ll gain free Hilton Honors Gold Status, which comes with perks like complimentary breakfast and rollover nights.
• Free weekend night reward: After spending $15,000 in a year, you’ll get a free weekend night reward; after spending $60,000 in a year, you’ll receive a second weekend night reward.
• Purchase protection: If your goods are damaged or stolen within 120 days of purchase, you’re covered up to $1,000 per item and $50,000 per year.
• On manufacturers’ warranties of five years or less, extended warranty protection provides up to an extra two years of coverage.

APR on a regular basis

Variable (15.99 percent – 24.99 percent)

Credit is required.

Good, Excellent

• Offer: Earn 130,000 Hilton Honors Bonus Points with a Free Night Reward after spending $3,000 on the Hilton Honors Business Card during the first three months of card membership.
• Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X on all other eligible purchases. Terms & Limitations Apply.
• With your Hilton Honors Business Card, you’ll get free Hilton Honors Gold Status.
• After spending $15,000 on your Card in a calendar year, you’ll get a Weekend Night Reward from Hilton Honors.
• After spending an additional $45,000 on your Card in the same calendar year, you’ll get another Weekend Night Reward from Hilton Honors.
• Terms and Conditions apply.

Pros

• Low a yearly fee
• There are no costs for international transactions.
• Hilton Gold Status is complimentary.

Cons

• Other than hotel stays, there are few choices for redemption.
• Balance transfers are not permitted.
• There is no introductory APR of 0%.

• Free Hilton Honors Gold Status: You’ll gain free Hilton Honors Gold Status, which comes with perks like complimentary breakfast and rollover nights.
• Free weekend night reward: After spending $15,000 in a year, you’ll get a free weekend night reward; after spending $60,000 in a year, you’ll receive a second weekend night reward.
• Purchase protection: If your goods are damaged or stolen within 120 days of purchase, you’re covered up to $1,000 per item and $50,000 per year.
• On manufacturers’ warranties of five years or less, extended warranty protection provides up to an extra two years of coverage.

Why we like it: If you love staying at one of 6,500 upscale and luxury Hilton properties around the world, make the most of each visit with The American Express Hilton Honors Business Card. Earn 12x Honors Bonus points for purchases made directly with Hilton hotels and resorts and indulge in automatic Hilton Honors Gold Status, which includes:

• Priority PassTM Select lounge access (10 gratis visits to 1,000 of the world’s most prestigious airport lounges—registration needed)
• After spending $15,000 in a calendar year, you get one free weekend night.
• Upgrades to rooms are provided at no cost.
• Credit for food and drink
• Earn an extra 80% bonus on hotel stays (eighteen points for every dollar spent).
• There are no costs for international transactions.

Flights and certain vehicle rentals, as well as purchases at US restaurants, including takeout and delivery, US petrol stations, US cellular phone services, and shipping, all earn 6x Honors Bonus points. All other purchases, including overseas transactions, will earn you 3x Honors Bonus points.

As a generous welcome bonus, earn 130,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Hilton Honors Business Card in the first 3 months of Card Membership. Plus, you can earn an additional 50,000 points after you spend a total of $10,000 in the first six months, and your a yearly fee is only $95. For your convenience, you can always transfer American Express Membership Rewards® points over to Hilton Honors Bonus points.

Marriott Bonvoy BusinessTM American Express Card: The Best Card for Stays at Marriott Hotels Around the World

American Express® Marriott Bonvoy BusinessTM Card

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Those who choose to stay at Marriott Bonvoy hotels are rewarded.

Apply Now

on American Express® Marriott Bonvoy BusinessTM Card’s secure website.

Compare with

APR on a regular basis

Variable (15.99 percent – 24.99 percent)

Credit is required.

Good, Excellent

• Earn 75,000 extra Marriott Bonvoy points after spending $3,000 on qualifying purchases with your new Card during the first three months of membership.
• At hotels that participate in the Marriott BonvoyTM program, you may earn 6x points.
• 4x points in U.S. restaurants, petrol stations, cellular phone services bought directly from U.S. service providers, and shipping transactions made in the United States. All other qualified purchases will earn you 2x points.
• Every year on the anniversary of your Card account, you’ll get a free night. Plus, after spending $60K on your Card in a calendar year, you’ll get an extra Free Night Award. At hotels participating in the Marriott BonvoyTM program, awards may be utilized for one night (redemption level at or under 35,000 Marriott Bonvoy points). There are resort fees at certain hotels.
• With your Card, you’ll get free Marriott Bonvoy Silver Elite status. Plus, after making $35,000 in qualifying purchases on your Card in a calendar year, you’ll be upgraded to Gold Elite status.
• Terms and Conditions apply.

Pros

• You’ll get Marriott Bonvoy Silver Elite membership for free.
• Earn 6 points for every $1 spent at Marriott Bonvoy hotels.

Cons

• You’ll pay a $125 a yearly fee
• When points are redeemed for less costly hotels, they are worth less.

• Baggage insurance protects you if you lose your checked or carry-on luggage when traveling directly from a common carrier or terminal. The maximum amount of coverage is $1,250.
• Purchase protection: For the first 120 days after purchase, bought objects are protected against theft or damage. The maximum amount of coverage is $10,000 per claim and $50,000 per year.
• Extended warranty protection: Provides up to an extra two years of warranty coverage on warranties of five years or less from U.S. manufacturers.
• Silver Elite membership is free, and you’ll have access to unique privileges like 25% extra points on purchases at selected hotels, Late check-out priority, and an elite reservation line.

APR on a regular basis

Variable (15.99 percent – 24.99 percent)

Credit is required.

Good, Excellent

• Earn 75,000 extra Marriott Bonvoy points after spending $3,000 on qualifying purchases with your new Card during the first three months of membership.
• At hotels that participate in the Marriott BonvoyTM program, you may earn 6x points.
• 4x points in U.S. restaurants, petrol stations, cellular phone services bought directly from U.S. service providers, and shipping transactions made in the United States. All other qualified purchases will earn you 2x points.
• Every year on the anniversary of your Card account, you’ll get a free night. Plus, after spending $60K on your Card in a calendar year, you’ll get an extra Free Night Award. At hotels participating in the Marriott BonvoyTM program, awards may be utilized for one night (redemption level at or under 35,000 Marriott Bonvoy points). There are resort fees at certain hotels.
• With your Card, you’ll get free Marriott Bonvoy Silver Elite status. Plus, after making $35,000 in qualifying purchases on your Card in a calendar year, you’ll be upgraded to Gold Elite status.
• Terms and Conditions apply.

Here’s the link to the full editorial review.

Pros

• You’ll get Marriott Bonvoy Silver Elite membership for free.
• Earn 6 points for every $1 spent at Marriott Bonvoy hotels.

Cons

• You’ll pay a $125 a yearly fee
• When points are redeemed for less costly hotels, they are worth less.

• Baggage insurance protects you if you lose your checked or carry-on luggage when traveling directly from a common carrier or terminal. The maximum amount of coverage is $1,250.
• Purchase protection: For the first 120 days after purchase, bought objects are protected against theft or damage. The maximum amount of coverage is $10,000 per claim and $50,000 per year.
• Extended warranty protection: Provides up to an extra two years of warranty coverage on warranties of five years or less from U.S. manufacturers.
• Silver Elite membership is free, and you’ll have access to unique privileges like 25% extra points on purchases at selected hotels, Late check-out priority, and an elite reservation line.

We like it because: Signing up for the Marriott Bonvoy BusinessTM American Express® Card rewards you for your loyalty to Marriott, the world’s biggest hotel chain (which includes the Ritz-Carlton and St. Regis hotels). One free night after your account anniversary each year, plus another free night after spending $60,000 in a calendar year, is one of the nicest bonuses this card has to offer. The card comes with complimentary Silver Elite Status, which includes:

• Member-only discounts
• On stays, including accommodation costs and incidental charges, you’ll earn 10% extra points.
• Late check-out priority
• To book and pay for your hotel, combine cash and points.

Spend $3,000 in the first three months to get 75,000 points. At Marriott Bonvoy hotels and on purchases made via their online shop, you may earn 6x Marriott Bonvoy points. Earn 4x points at petrol stations, restaurants, shipping, and cellular phone services in the United States, and 2x points on everything else. You may convert Membership Rewards® points from American Express or Chase Ultimate Rewards® points to Marriott Bonvoy points if you want to spend your points but don’t have enough for a redemption.

Bank of America® Business Advantage Travel Rewards World Mastercard®: Best for No a yearly fee and No Foreign Transaction Fee

Credit card from Bank of America® Business Advantage Travel Rewards World Mastercard®

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Getting the most out of your travel purchases made via Bank of America

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on Credit card from Bank of America® Business Advantage Travel Rewards World Mastercard®’s secure website.

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Intro APR

0% after nine billing cycles

APR on a regular basis

Purchases have a variable APR of 12.24 percent to 22.24 percent.

• Make at least $3,000 in net purchases within 90 days of account creation to earn 30,000 bonus points, which may be used for a $300 statement credit toward travel purchases.
• Earn 1.5 points for every $1 spent on any purchase, anywhere, at any time, regardless of how much you spend. Points do not have an expiration date.
• Earn 3 points for every dollar spent on travel purchases made via the Bank of America® Travel Center, such as a vehicle, hotel, or airline.
• No a yearly fee and no international transaction fees.
• For the first nine billing cycles, you’ll get a 0% introductory APR on purchases.
• Redeem points for no-blackout-date travel, cash back, or gift cards.
• When you join the Preferred Rewards for Business Platinum Honors tier, you’ll get 75 percent extra points on the basic earn of every transaction. That means you’ll get 2.62 points for every $1 spent at the Bank of America® Travel Center and 4.12 points for every $1 spent elsewhere.

Pros

• No a yearly fee: By not having to pay an a yearly fee, you can reduce your overall credit card cost while earning unlimited rewards on your expenses.
• No travel ban dates: You may use your points to book travel or travel credits via the Bank of America® Travel Center at any time.
• 3x points on travel: When you book your trip (vehicle, hotel, or airline) via the Bank of America® Travel Center, you may earn 3x points for every dollar spent.
• You will get 30,000 bonus points if you can spend $3,000 in net purchases within 90 days of starting an account.

Cons

• Low on-going rewards for non-travel purchases: While you can earn a lot of points on travel, you can only get 1.5x points on anything else.
• Short initial 0% APR duration: The Bank of America Business Advantage Travel Rewards World Mastercard® gives 0% APR for the first nine billing cycles after account creation, which is a drawback if you want a longer 0% APR period.
• There is no promotional 0% APR on balance transfers: The introductory 0% APR applies just to purchases; if you need to transfer a balance from another credit card, you’ll have to pay an APR ranging from 12.24 percent to 22.24 percent.

• Bank of America does not provide the specifics of its extra card features. When you get your card in the mail, go through the benefits guide to learn more about these extra features.

Intro APR

0% after nine billing cycles

APR on a regular basis

Purchases have a variable APR of 12.24 percent to 22.24 percent.

• Make at least $3,000 in net purchases within 90 days of account creation to earn 30,000 bonus points, which may be used for a $300 statement credit toward travel purchases.
• Earn 1.5 points for every $1 spent on any purchase, anywhere, at any time, regardless of how much you spend. Points do not have an expiration date.
• Earn 3 points for every dollar spent on travel purchases made via the Bank of America® Travel Center, such as a vehicle, hotel, or airline.
• No a yearly fee and no international transaction fees.
• For the first nine billing cycles, you’ll get a 0% introductory APR on purchases.
• Redeem points for no-blackout-date travel, cash back, or gift cards.
• When you join the Preferred Rewards for Business Platinum Honors tier, you’ll get 75 percent extra points on the basic earn of every transaction. That means you’ll get 2.62 points for every $1 spent at the Bank of America® Travel Center and 4.12 points for every $1 spent elsewhere.

Pros

• No a yearly fee: By not having to pay an a yearly fee, you can reduce your overall credit card cost while earning unlimited rewards on your expenses.
• No travel ban dates: You may use your points to book travel or travel credits via the Bank of America® Travel Center at any time.
• 3x points on travel: When you book your trip (vehicle, hotel, or airline) via the Bank of America® Travel Center, you may earn 3x points for every dollar spent.
• You will get 30,000 bonus points if you can spend $3,000 in net purchases within 90 days of starting an account.

Cons

• Low on-going rewards for non-travel purchases: While you can earn a lot of points on travel, you can only get 1.5x points on anything else.
• Short initial 0% APR duration: The Bank of America Business Advantage Travel Rewards World Mastercard® gives 0% APR for the first nine billing cycles after account creation, which is a drawback if you want a longer 0% APR period.
• There is no promotional 0% APR on balance transfers: The introductory 0% APR applies just to purchases; if you need to transfer a balance from another credit card, you’ll have to pay an APR ranging from 12.24 percent to 22.24 percent.

• Bank of America does not provide the specifics of its extra card features. When you get your card in the mail, go through the benefits guide to learn more about these extra features.

Why we like it: If you’re looking for fewer fees from your travel credit card, the Bank of America® Business Advantage Travel Rewards World Mastercard® charges no a yearly fee, and we voted it our best business credit card with no foreign transaction fee.

When you book travel via the Bank of America® Travel Center, you earn 1.5 points for every $1 spent on any corporate transaction and 3x points for every $1 spent on any personal purchase. If you’re already a Bank of America® customer, you may earn even more with this card. You can earn up to 75 percent more points on every purchase if you have a business checking account with Bank of America® and qualify for its highest Preferred Rewards for Business tier, which means you could earn up to 2.62 points per $1 spent on all purchases and up to 5.25 points per $1 spent at the Bank of America® Travel Center.

Plus, if you spend $3,000 on the card during the first three months, you’ll get 30,000 points, which you can use for a $300 travel or dining credit.

For frequent Delta flyers, the American Express Delta SkyMiles® Platinum Business Card is the best option.

American Express Delta SkyMiles® Platinum Business Card

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Those who fly Delta often and wish to take advantage of the company’s premium business services.

Apply Now

on American Express Delta SkyMiles® Platinum Business Card’s secure website.

Compare with

APR on a regular basis

Variable (15.99 percent – 24.99 percent)

Credit is required.

Good, Excellent

• Limited-time offer: Earn 100,000 extra miles after spending $4,000 on your new Card during the first three months of membership. Offer expires on April 13, 2022.
• Earn 3 miles for every dollar spent on qualifying purchases made directly with Delta and on qualified hotel purchases.
• Earn an extra half mile per dollar on single qualified purchases of $5,000 or more, up to 50,000 miles each year. For every qualified dollar spent on additional purchases, you’ll earn one mile.
• Earn 10,000 Medallion® Qualification Miles (MQMs) after spending $25,000 on your card in a calendar year with Status Boost®, up to 2 times each year, bringing you closer to Medallion Status.
• Benefits that resemble status: On Delta flights, the first checked bag is free, and the main cabin gets priority boarding.
• There are certain restrictions.

Pros

• There are no costs for international transactions.
• Savings on flights
• Tools for business management

Cons

• $250 a yearly fee
• There is no interest-free term.
• Transfers of balances are not permitted.

 

• Benefits from Delta include a free first checked bag and priority boarding.
• Travel accident insurance: Provides cardholders with up to $100,000 in travel accident insurance.
• Purchase protection: Covers purchases that are damaged or stolen up to 120 days after they were purchased. For one year, coverage is restricted to $1,000 per item and $50,000 total for all claims.

APR on a regular basis

Variable (15.99 percent – 24.99 percent)

Credit is required.

Good, Excellent

• Limited-time offer: Earn 100,000 extra miles after spending $4,000 on your new Card during the first three months of membership. Offer expires on April 13, 2022.
• Earn 3 miles for every dollar spent on qualifying purchases made directly with Delta and on qualified hotel purchases.
• Earn an extra half mile per dollar on single qualified purchases of $5,000 or more, up to 50,000 miles each year. For every qualified dollar spent on additional purchases, you’ll earn one mile.
• Earn 10,000 Medallion® Qualification Miles (MQMs) after spending $25,000 on your card in a calendar year with Status Boost®, up to 2 times each year, bringing you closer to Medallion Status.
• Benefits that resemble status: On Delta flights, the first checked bag is free, and the main cabin gets priority boarding.
• There are certain restrictions.

Pros

• There are no costs for international transactions.
• Savings on flights
• Tools for business management

Cons

• $250 a yearly fee
• There is no interest-free term.
• Transfers of balances are not permitted.

 

• Benefits from Delta include a free first checked bag and priority boarding.
• Travel accident insurance: Provides cardholders with up to $100,000 in travel accident insurance.
• Purchase protection: Covers purchases that are damaged or stolen up to 120 days after they were purchased. For one year, coverage is restricted to $1,000 per item and $50,000 total for all claims.

Why we like it: Frequent travelers with Delta can really benefit from the American Express Delta SkyMiles® Platinum Business Card. Earn 3 Delta miles per $1 on eligible purchases through Delta as well as hotels, 1.5 miles per $1 on eligible single purchases of $5,000 or more, and 1 mile per $1 on all other eligible purchases. You can also earn 10,000 Medallion Qualification Miles (MQMs) when you reach two-tiered spending thresholds of $25,000 and $50,000. MQMs are different from regular Delta miles and, as you accumulate them, you grow toward Silver, Gold, Platinum, and Diamond status, which offer bigger travel perks and upgrades.

The following are some of the advantages of this card:

• Delta Sky Club airport lounges are available at a discounted rate of $39 per person.
• Up to $100 in Global Entry or TSA Pre-check credit
• Priority boarding for you and up to eight more passengers
• For yourself and up to eight friends, the first checked bag is free.
• On in-flight purchases, you’ll get a 20% statement credit.
• There are no costs for international transactions.

You may also use one of Delta’s 20 partner airlines to book a ticket. Earn 100,000 extra miles after spending $4,000 on your new Card in the first three months of card membership as a limited-time promotion. Offer expires on April 13, 2022.

Southwest® Rapid Rewards® Performance Business Credit Card is a credit card issued by Southwest Airlines.: The Best for Free Southwest Airlines Companion Flights

Southwest® Rapid Rewards® Performance Business Credit Card is a credit card issued by Southwest Airlines.

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Those who desire a credit on their Global Entry or TSA Pre® application fees should fly Southwest.

Apply Now

Chase’s Protected Website

Compare with

APR on a regular basis

Variable (15.99 percent – 22.99 percent)

• After you spend $5,000 on purchases in the first three months, you’ll get 80,000 points.
• After your Cardmember anniversary, you’ll get 9,000 extra points.
• Purchases made with Southwest® earn you 4X points.
• Rapid Rewards® hotel and vehicle partners provide 3X points.
• Rideshare earns you 2X points.
• Get 2X points on social media and search engine advertising, as well as internet, cable, and phone services, and 1X points on everything else.
• Upgraded Boardings are provided four times per year.
• Fee credit for Global Entry or TSA PreCheck®.

Pros

• TSA Pre® or Global Entry® membership is free.
• Large sign-up incentive that may help you get a companion pass.
• When compared to other Southwest cards, you’ll get the greatest rewards for your Southwest expenditures.

Cons

• High a yearly fee that isn’t waived in the first year
• Outside of Southwest flights, the value of a reward redemption is minimal.
• International travel alternatives are limited.

• Reimbursement for Global Entry or TSA PreCheck: Get up to $100 in application fee credits for Global Entry or $85 for TSA PreCheck.
• Enhanced boardings: Southwest will compensate you for up to four upgraded boardings per anniversary year.
• Baggage delay insurance reimburses you up to $100 per day for three days for necessary items such as toiletries and clothes if your luggage is delayed for more than six hours.

APR on a regular basis

Variable (15.99 percent – 22.99 percent)

• After you spend $5,000 on purchases in the first three months, you’ll get 80,000 points.
• After your Cardmember anniversary, you’ll get 9,000 extra points.
• Purchases made with Southwest® earn you 4X points.
• Rapid Rewards® hotel and vehicle partners provide 3X points.
• Rideshare earns you 2X points.
• Get 2X points on social media and search engine advertising, as well as internet, cable, and phone services, and 1X points on everything else.
• Upgraded Boardings are provided four times per year.
• Fee credit for Global Entry or TSA PreCheck®.

Pros

• TSA Pre® or Global Entry® membership is free.
• Large sign-up incentive that may help you get a companion pass.
• When compared to other Southwest cards, you’ll get the greatest rewards for your Southwest expenditures.

Cons

• High a yearly fee that isn’t waived in the first year
• Outside of Southwest flights, the value of a reward redemption is minimal.
• International travel alternatives are limited.

• Reimbursement for Global Entry or TSA PreCheck: Get up to $100 in application fee credits for Global Entry or $85 for TSA PreCheck.
• Enhanced boardings: Southwest will compensate you for up to four upgraded boardings per anniversary year.
• Baggage delay insurance reimburses you up to $100 per day for three days for necessary items such as toiletries and clothes if your luggage is delayed for more than six hours.

Why we like it: The Southwest® Rapid Rewards® Premier Business credit card may be a good choice if you’re a frequent domestic business traveler and you live near a Southwest hub. If you frequently fly with another person, earn 125,000 points in one calendar year and get the highly prized Southwest Companion Pass. Your companion will fly free, only needing to pay taxes and fees, for the rest of the calendar year and the following year. Another option to gain points is to refer the Southwest® Rapid Rewards® Performance Business Credit Card is a credit card issued by Southwest Airlines. to a friend and earn 20,000 bonus points, up to 100,000 bonus points in a calendar year.

With this card, you may earn points in a variety of ways. You may earn the following for $199 every year:

• Purchases made with Southwest® earn you 4X points.
• Rapid Rewards® hotel and vehicle partners provide 3X points.
• Rideshare earns you 2X points.
• Earn 2X points for advertising on social media and search engines, as well as internet, cable, and phone services.
• All other purchases get 1 point each $1 spent.
• Upgraded Boardings are provided four times per year.
• Fee credit for Global Entry or TSA PreCheck®.

You may also get four enhanced boardings each year and a free Global Entry or TSA Pre-check credit. Earn 80,000 points after spending $5,000 in the first three months as a welcome bonus. You may use this card anyplace Visa® is accepted since it is a Visa® card.

What to Look for When Choosing a Business Travel Credit Card

When choosing a business travel credit card, there are several factors to consider. Each of these processes may assist you in prioritizing and narrowing your options to the ones that are the greatest match for you and your company.

1. Cost of travel: Take a look at how you spend your money when on business trips. Consider flights, accommodation, ground transportation, food, and other costs.
2. Choose your reward type depending on where you spend the most of your money while traveling. A branded card may be the ideal option if you’re dedicated to a certain airline or hotel. If you have a range of spending, cards that reward you with miles, points, or cash back are a wonderful option.
3. Cost of the card: Consider a yearly fees, as well as other fees that may not be covered by the card, such as baggage fees, foreign transaction fees, or any other hidden fees.
4. Perks and benefits: High a yearly fees are worth it if you take advantage of perks like lounge access, free hotel nights, and bonuses if you meet a minimum spend requirement. If you think you may not use these perks, the cost of the a yearly fee may be going to waste.

How Did We Pick the Top Business Travel Credit Cards?

We chose cards for regular business travelers since the finest business travel credit cards give points that rise as you make purchases with the card. We highlighted any discounts or incentives that assist business travelers save money when they were available.

Conclusion

Choose a card that fits your travel style and frequency, as well as one that may help you save money on your most expensive costs. Take a look at our credit card marketplace for additional travel cards and other sorts of cards suited for small company owners.

The “bank of america business credit card” is a credit card that offers travel rewards. The card comes with no annual fee, and has no foreign transaction fees.

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