Best business credit cards for travel of July 2024
Updated 5:05 a.m. UTC July 1, 2024
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Business doesn’t just get done in the office. Whether you’re attending conferences and trade shows, hosting business lunches or traveling to far-flung client meetings, the right credit card can make your journey more comfortable — and rewarding. The best business credit cards for travel offer lucrative welcome bonuses and generous rewards for ongoing value. They also provide luxury perks and travel protections to improve your travel experience. While many come with high annual fees, the benefits are often worth the price tag. Here’s our list of the best business credit cards for travel for 2024.
Best business credit cards for travel
- American Express® Business Gold Card *: Best overall.
- United Club℠ Business Card *: Best business credit card for airline travel.
- World of Hyatt Business Credit Card *: Best business credit card for hotels.
- The Business Platinum Card® from American Express *: Best business card for premium travel perks.
- Delta SkyMiles® Reserve Business American Express Card *: Best business card for Delta flyers.
- Ink Business Preferred® Credit Card *: Best business card for general purpose business travel.
- Wyndham Rewards Earner® Business Card *: Best business credit card for value travel.
All information about American Express® Business Gold Card, The Business Platinum Card® from American Express, Delta SkyMiles® Reserve Business American Express Card has been collected independently by Blueprint.
Why trust our credit card experts
Our team of experts evaluates hundreds of credit cards and analyzes thousands of data points to help you find the best card for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.
- 25+ cards analyzed.
- 9+ data points considered.
- 5-step fact-checking process.
Compare the best business credit cards for travel
Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.
Earn 50,000 bonus miles and 1,000 Premier qualifying points (PQP) after you spend $5,000 on qualifying purchases in the first 3 months your account is open.
Earn 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.
Earn 150,000 Membership Rewards® points after you spend $20,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership.
Earn 75,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.
Earn 120,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That’s $1,200 cash back or $1,500 toward travel when redeemed through Chase Travel℠.
Earn 45,000 bonus points, enough for up to 6 free nights at participating properties, after spending $3,000 in the first 90 days. Free nights can require up to 30,000 points per bedroom at participating properties and are subject to availability. Resort fees may apply and cannot be paid with points.
All information about American Express® Business Gold Card, Delta SkyMiles® Reserve Business American Express Card and The Business Platinum Card® from American Express has been collected independently by Blueprint.
The information for the American Express® Business Gold Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Why this card made the list
The American Express® Business Gold Card * The information for the American Express® Business Gold Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. (terms apply) offers the highest potential payout on business spending of any card on this list. Cardmembers earn 4 Membership Rewards points per $1 on up to $150,000 in combined purchases each calendar year on the 2 select categories your business spends the most each month, 3 points per $1 on flights and prepaid hotels booked on amextravel.com and 1 point per $1 for other purchases.
The Membership Rewards® program is one of the best out there for travel rewards, offering flexibility and a host of exceptional airlines and hotels you can transfer points to.
The Business Gold Card also includes eligibility for Amex Offers, a valuable program with discounts and deals at hundreds of merchants. It can potentially save you hundreds of dollars a year, possibly helping offset the card’s $375 annual fee. Not to be overlooked are the card’s travel protections like baggage¹ and trip delay insurance², along with secondary rental car coverage³. Cardmembers also qualify for hotel perks through The Hotel Collection, including an up to $100 stay credit and room upgrades.
- Annual fee: $375.
- Rewards: Earn 4 Membership Rewards points per $1 on up to $150,000 in combined purchases each calendar year on the 2 select categories your business spends the most each month, 3 points per $1 on flights and prepaid hotels booked on amextravel.com and 1 point per $1 for other purchases.
- Welcome bonus: Earn 70,000 Membership Rewards points after spending $10,000 on purchases in the first three months of card membership.
- Foreign transaction fees: None.
All information about American Express® Business Gold Card has been collected independently by Blueprint.
The information for the United Club℠ Business Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Why this card made the list
The United Club℠ Business Card * The information for the United Club℠ Business Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. is ideal for United flyers looking for premium travel perks. The card offers a generous 50,000 miles and 1,000 Premier qualifying points after spending $5,000 on qualifying purchases in the first three months of account opening. Beyond the welcome bonus, you’ll earn 2 miles per $1 on United purchases and 1.5 miles per $1 on all other purchases, which can add up substantially on business expenses. And, this card is one of the few that still offers price protection, which can save you a bundle if prices drop after you’ve purchased an item.
While you’re earning points on spending, you’ll also accrue 500 Premier Qualifying Points (PQP) for every $12,000 spent (up to 1,000 PQP per calendar year). The card has a $450 annual fee, which is steep, but the included annual United Club membership, which starts at $650, can make up for it if you frequent these lounges (note that this does not include access to the United Polaris Club lounges).
Cardholders also get complimentary United Club membership, Premier Access service, free checked bags, Premier upgrades on award tickets, 25% discount on in-flight purchases. Travel protections include trip cancellation and interruption insurance, baggage delay insurance, lost luggage reimbursement, trip delay reimbursement and primary rental car insurance. The card also comes with Avis President’s Club membership and Luxury Hotel & Resort collection benefits.
Be aware that approval for the card is subject to Chase’s unwritten 5/24 rule, which means anyone who has opened five or more credit cards from any issuer in the past 24 months will likely be denied.
- Annual fee: $450.
- Rewards: Earn 2 miles per $1 on United purchases and 1.5 miles per $1 on all other purchases.
- Welcome bonus: Earn 50,000 miles and 1,000 Premier qualifying points after spending $5,000 on qualifying purchases in the first three months of account opening.
- Foreign transaction fees: None.
The information for the World of Hyatt Business Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Why this card made the list
The World of Hyatt Business Credit Card * The information for the World of Hyatt Business Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. is ideal for business travelers looking to take advantage of the brand’s hotel portfolio at a discounted rate. Cardmembers save on hotel rates through the Hyatt Leverage program, and get a 10% rebate on award redemptions (on up to 200,000 points per year) after spending $50,000 on the card in a year. The card also comes with a $50 Hyatt credit issued twice a year to knock down the overall cost of a hotel stay.
Cardholders and up to five employees can get automatic Discoverist elite status, with the option to earn an additional five elite night credits for every $10,000 spent in a year. Plus the card comes with an array of travel protections, which is helpful when you’re on the move and want peace of mind.
- Annual fee: $199.
- Rewards: Earn 4 points per $1 on qualified purchases at Hyatt hotels, 2 points per $1 on the top three spend categories each quarter through 12/31/24, then the top two categories each quarter, 2 points per $1 on fitness club and gym memberships and 1 point per $1 on all other purchases.
- Welcome bonus: Earn 60,000 points after spending $5,000 on purchases in the first three months of account opening.
- Foreign transaction fees: $0.
The information for the The Business Platinum Card® from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Why this card made the list
The Business Platinum Card® from American Express * The information for the The Business Platinum Card® from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. (terms apply) is one of the best premium business travel cards on the market, offering access to elite airport lounges and hundreds of dollars in annual business and travel credits. Big spenders will appreciate the elevated earning rate on eligible purchases over $5,000 (subject to an annual spending cap) while frequent travelers can accumulate substantial rewards by booking through Amex Travel.
The Business Platinum Card also provides the most comprehensive airport lounge benefits of any business card on the market, which includes access to Amex’s Global Lounge Collection, which includes Priority Pass Select and the exclusive Centurion lounge network. Plus, through American Express Fine Hotels & Resorts, cardholders can secure benefits on hotel stays that are typically reserved for elite members like complimentary breakfast, discounted stays, late checkout, resort credits and more. Enrollment is required for some benefits.
You can redeem points for statement credits, travel bookings or maximize their value by transferring them to nearly two dozen airline and hotel loyalty programs for premium award redemptions.
- Annual fee: $695.
- Rewards: Earn 5 Membership Rewards® points per $1 on flights and prepaid hotels through American Express Travel, 1.5 points per $1 at U.S. construction material & hardware suppliers, electronic goods retailers and software and cloud system providers, shipping providers, and purchases of $5,000 or more on up to $2 million per calendar year and 1 point per $1 on other eligible purchases.
- Welcome bonus: Earn 150,000 Membership Rewards® points after spending $20,000 on eligible purchases in the first three months of card membership.
- Foreign transaction fees: None.
All information about The Business Platinum Card® from American Express has been collected independently by Blueprint.
The information for the Delta SkyMiles® Reserve Business American Express Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Why this card made the list
If Delta is your preferred airline, the Delta SkyMiles® Reserve Business American Express Card * The information for the Delta SkyMiles® Reserve Business American Express Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. (terms apply) offers premium travel perks with the airline plus a pathway to elevate your elite status. Cardholders receive $2,500 Medallion® Qualification Dollars each qualification year with MQD Headstart. Additionally, cardholders can earn $1 MQD for each $10 of eligible purchases each calendar year.
Cardholders also get an annual companion certificate, complimentary upgrades, priority boarding, free checked bags, and an up to $100 Global Entry or TSA PreCheck statement credit to reimburse the program application fee. Plus, enjoy complimentary access to Delta Sky Club**, Amex Centurion and Escape Lounges when flying Delta. The Centurion lounge access alone is substantial, considering this is one of a very select lineup of cards to offer such access.
- Annual fee: $650.
- Rewards: Earn 3 Delta SkyMiles per $1 spent on eligible Delta purchases, 1.5 miles per $1 on eligible transit, U.S. shipping, and U.S. office supply store purchases, 1 mile per $1 on other purchases. After spending $150,000 in a calendar year, earn 1.5 miles per $1 on eligible purchases for the rest of the year.
- Welcome bonus: Earn 75,000 miles after spending $10,000 on purchases in the first six months of card membership.
- Foreign transaction fees: None.
**Effective 2/1/25, Reserve card members will receive 15 visits per year to the Delta Sky Club; to earn an unlimited number of visits each year starting on 2/1/25, the total eligible purchases on the card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter. Once all 15 visits have been used, eligible card members may purchase additional Delta Sky Club visits (including grab and go) at a per-visit rate of $50 per person using the card.
All information about Delta SkyMiles® Reserve Business American Express Card has been collected independently by Blueprint.
The information for the Ink Business Preferred® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Why this card made the list
The Ink Business Preferred® Credit Card * The information for the Ink Business Preferred® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. offers a substantial welcome bonus, though you can squeeze more value out of it by transferring points to one of more than a dozen Chase travel airline and hotel partners The card also earns a generous reward rate on common business spending categories (subject to an annual spending cap) making it easy to quickly earn points for travel.
Aside from earning rewards, the card provides valuable travel protections when you hit the road. Primary rental car insurance is a useful perk, as is trip cancellation and interruption insurance. The card’s cellphone protection is also top-notch, providing up to $1,000 worth of coverage per claim in exchange for a $100 deductible.
- Annual fee: $95.
- Rewards: Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year and 1 point per $1 on all other purchases.
- Welcome bonus: Earn 120,000 points after spending $8,000 on purchases in the first three months of account opening.
- Foreign transaction fees: $0.
The information for the Wyndham Rewards Earner® Business Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Why this card made the list
Wyndham Rewards is a great loyalty program for business travelers who want the option to book multiple rooms without forking over tons of points. Free nights at Wyndham start at just 7,500 points per bedroom. This means you can book entire apartments at eligible timeshare properties and pay per room, which often works out cheaper compared to booking multiple rooms with other hotel programs.
The Wyndham Rewards Earner® Business Card * The information for the Wyndham Rewards Earner® Business Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. also comes with valuable perks like Diamond elite status and discounts on award and paid nights. The $95 annual fee is partially offset by a 15,000-point annual renewal bonus, no foreign transaction fees and cellphone protection.
- Annual fee: $95.
- Rewards: Earn 8 points per $1 spent on Hotels By Wyndham and gas purchases, 5 points per $1 on marketing, advertising and utility purchases and 1 point per $1 on all other purchases.
- Welcome bonus: Earn 45,000 points, enough for up to six free nights at participating properties, after spending $3,000 in the first 90 days. Free nights can require up to 30,000 points per bedroom at participating properties and are subject to availability. Resort fees may apply and cannot be paid with points.
- Foreign transaction fees: 0% of each transaction in U.S. dollars.
Methodology
Our team of credit card experts analyzed hundreds of credit cards. We compared the travel benefits on a variety of business credit cards, looking at every card’s rewards structure, flexibility of the earnings, annual fees, and any and all other valuable travel perks that came with each card.
We took a deep dive into the details of each product and that analysis, combined with our years of experience covering credit cards, informed us as we developed these credit card rankings. Factors we considered included:
- Annual fees.
- Rewards potential and value of rewards.
- Flexibility of rewards.
- Welcome bonuses.
- Travel-related benefits like TSA Precheck or Global Entry application fee reimbursements, checked bag perks or airport lounge access.
- Travel protections and insurances like primary auto rental coverage, trip delay or cancellation insurance and baggage delay insurance.
Should you get a business card for travel?
“Business cards are a great option for anyone looking to get the most travel rewards out of their spending. Whether you run a traditional business or have a side hustle like reselling items on Facebook Marketplace, these cards can have a wide variety of bonus spending categories with reasonable annual fees,” says Kathleen Porter Kristiansen, travel and money expert and owner of Triplepassport.com.
An ideal candidate for a travel business credit card is someone whose business has significant expenses, and who wants to leverage those expenses for travel rewards. Many business cards offer bonus rewards on common spending categories. By paying with a rewards card that fits your business expense spending patterns, you can typically generate a substantial points or miles balance and then use your credit card rewards to cover travel expenses.
Guide to business cards for travel
A business credit card for travel can benefit anyone with a business who flies, drives or stays overnight for work. A travel business credit card can help manage cash flow, earn rewards to save you money on your next outing and make it easy to keep track of their spending.
Business credit cards for travel sometimes come with features beneficial for business owners like higher spending limits and exclusive travel rewards programs. Keep in mind that nearly all business credit cards typically require a strong personal credit score and may require additional information like an Employee Identification Number or company financial statements. Small business credit cards for travel, like other business credit cards, are also likely to require a personal guarantee, meaning if the business defaults on their debt, the primary cardholder will be held responsible for outstanding debt.
Once you’ve chosen the best business travel card for your needs, it’s important to use it responsibly. Make sure you pay your bill on time every month to avoid late fees or higher interest rates. Also, be aware of any spending limits or restrictions set by the issuer so that you don’t exceed them. Consider tracking your spending regularly so that you can stay on top of your budgeting goals and maximize your rewards program benefits.
Choosing the best business card for travel
Choosing a business card based on your travel goals and habits is a good place to start, but it also makes sense to factor in the rewards structure of any card. For example, if you rarely fly, a card that earns high rewards on flight spending isn’t going to be beneficial. Consider where your business spends the most on a credit card and select a card that offers bonus rewards in those areas. Be sure to factor any annual fees that will eat into the value of any rewards earned.
Other important considerations: Do you want a card that earns rewards with a specific hospitality or airline brand? Or do you want a card that earns flexible rewards that can be redeemed for a variety of travel options?
If you regularly fly with a particular airline or stay within a hotel chain, a cobranded card is likely to be a great fit as these cards tend to earn high rewards on purchases within the brand plus often come with money-saving benefits and other perks like free checked bags, elite status with the brand and more.
Selecting a general purpose travel rewards card comes down to which flexible rewards program works best for your needs. The most popular rewards programs include Chase Ultimate Rewards®, American Express Membership Rewards, Citi ThankYou Points and Capital One miles.
Other issuers, like Bank of America and U.S. Bank, offer credit cards with rewards that can be used to book various types of travel but don’t allow you to transfer your rewards to various travel loyalty programs, which can limit your options.
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Frequently asked questions (FAQs)
Most business cards for travel have no foreign transaction fees. While some credit cards charge a fee of around 3% on each transaction made abroad, you can avoid this fee by getting a card that doesn’t charge foreign transaction fees — such as The Business Platinum Card® from American Express * The information for the The Business Platinum Card® from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. or any of the selections on this list.
All information about The Business Platinum Card® from American Express has been collected independently by Blueprint.
When using a business credit card, it is possible to earn rewards such as points or miles that you can use for travel redemptions. Just make sure you get a business card that earns rewards that will allow redemptions that fit with your needs.
The best type of rewards for those who value flexibility are transferable points like Chase Ultimate Rewards, American Express Membership Rewards, Capital One miles and Citi ThankYou points, since they can be transferred to airline and hotel partners and then redeemed to book travel through your preferred loyalty program.
You can apply for a business credit card like any other credit card. One difference is that you will most likely have the option to include an Employer Identification Number (EIN) in the application. You can apply online and you’ll typically receive an answer within a minute or two.
As is standard, you’ll also have to enter your name on the application, and since you’re applying for a business card, will likely be asked to provide your annual revenue (or estimated revenue if your business is new), as well as address, phone number and number of employees.
For business owners who travel frequently, a credit card that earns travel rewards is likely the better choice. If you’re willing to put the work into transferring rewards to airline and hotel partners, you can potentially get outsize value from your rewards.
But if you aren’t sure how you want to use your travel rewards, or it seems daunting to try and maximize your earnings through various partners, there’s nothing wrong with a cash-back card. After all, cash-back is the most flexible reward of them all. If you think that might be a better fit for your needs, our list of the best cash-back business cards is a great place to start.
¹Eligibility and Benefit level varies by Card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
²Eligibility and Benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
³Eligibility and Benefit level varies by Card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
*The information for the American Express® Business Gold Card, Delta SkyMiles® Reserve Business American Express Card, Ink Business Preferred® Credit Card, The Business Platinum Card® from American Express, United Club℠ Business Card, World of Hyatt Business Credit Card and Wyndham Rewards Earner® Business Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.
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