Introduction
Whether you’re an itinerant racking up frequent flyer miles or a business owner bringing your team to client meetings, finding the right credit card can make business travel easier and more rewarding. The top travel rewards business credit cards offer generous bonuses for flights, hotels, rideshares and more, provide perks like airport lounge access or free checked bags, and come with strong travel protections to protect you when things go awry.
With hundreds of options to wade through, determining which card truly rises to the top for your company can get confusing. Do you focus purely on airfare? Maybe hotel elite status is more your priority? Are flexibility and transferrable rewards more important long-term than upfront bonuses? Evaluating spending patterns, travel providers of choice, and redemption preferences all inform the right move.
In this article, you’ll read through the key factors that go into choosing a stellar business travel credit card for your small business, from budgets and brands to routes and rewards structures.
Whether you travel only a few times per year or live out of hotel rooms and rideshares, selecting the right card gives business owners more comfort, more options, and even a touch of luxury when crisscrossing the country and globe.
SUMMARY
1. Ink Business Preferred
2. Blue Business Plus Card
3. Business Platinum Card
4. Southwest Rapid Rewards Premier Business
5. Hilton Honors American Express Business
6. Wyndham Rewards Earner Business
Overview of the Best Business Credit Cards for Travel
How to Choose the Best Business Credit Card for Your Travel Style
Pros and Cons of Business Credit Cards for Travel
What to Watch Out For
Pro Tips
Recap
1. Ink Business Preferred

With 3x points on travel and other key categories, the Ink Business Preferred Card from Chase offers unmatched earnings and redemption flexibility. The welcome bonus alone is worth $1,250 in travel.
Pros
- Offers a lucrative welcome bonus
- Eliminates foreign transaction fees
- Accumulates valuable ultimate rewards points
- Provides employee cards at no extra cost
Cons
- Imposes a $95 annual fee
- Sets a points cap on bonus categories
- Demands a high credit score
Earn a welcome bonus of 100,000 points when you spend $8,000 within the first 3 months. You’ll receive 3x points on travel, shipping, and internet/cable/phone services (up to $150,000 per year), and 1x on all other purchases.
The card carries a $95 annual fee, and you can redeem points for cash back, travel, gift cards, and more. Additionally, with Zero Liability, you won’t be accountable for unauthorized charges made with your card or account information.
2. Blue Business Plus Card

The Blue Business Plus Card from American Express offers a generous 2x points on all purchases (up to $50,000 annually) with no annual fee. It’s a perfect starter card for your small business.
Pros
- Earn 2x points on all purchases (up to $50,000 per year)
- Enjoy no annual fee
- Utilize flexible membership rewards points
Cons
- Experience a cap of 2x points at $50,000 in spending per year
- Miss out on a sign-up bonus
- Incurs foreign fees
- Requires a high credit score
Receive a welcome bonus of 15,000 points upon spending $3,000 within three months of account opening, while enjoying 2x points on all purchases (up to $50,000 annually, then 1x), no annual fee, and the flexibility to transfer points to airline/hotel partners or use them for travel.
3. Business Platinum Card

If your business racks up over $250,000 in expenses per year, the Business Platinum Card’s 5x points, credits, and lux perks provide tremendous value.
Pros
- Earn 5x points on flights and prepaid hotels.
- Enjoy airport lounge access credits.
- Receive up to $400 in Dell credits annually.
- Access Elite Gogo and Boingo Wi-Fi.
Cons
- Carries a steep $695 annual fee.
- Requires an excellent credit score.
- Imposes high spending caps on bonus categories.
Receive a welcome bonus of 120,000 points upon spending $15,000 within three months. Enjoy 5x rewards on flights and hotels booked through Amex travel (on the first $500,000 per year) and 1.5x rewards on purchases over $5,000 (up to $2 million per year).
The card entails a $695 annual fee and provides credits of up to $400 annually for Dell purchases, along with an airline fee credit.
4. Southwest Rapid Rewards Premier Business

With an 80,000 point bonus, anniversary points, and strong earning rates, the Southwest Rapid Rewards Premier Business card provides incredible value for Southwest loyalists.
Pros
- Secure a lucrative 80,000 point welcome offer
- Access up to $99 Southwest travel credits annually
- Enjoy 4 upgraded boardings per year
- Experience no foreign fee
- FDIC member
Cons
- Lack of intro APR offer
- Encounter a high annual fee at $199
- Find most benefits tied to Southwest
Upon spending $5,000 within three months, enjoy an 80,000-point welcome bonus, along with earning 3x points on Southwest purchases, 2x points on internet/cable/phone services, and 1x points elsewhere, complemented by a $199 annual fee and an anniversary bonus of 9,000 points per cardmember year.
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5. Hilton Honors American Express Business

From strong bonus categories to a free weekend night certificate, as a Hilton loyalist, you will maximize points and elite status with the “Hilton Honors Business Amex.”
Pros
- Enjoy a high welcome bonus
- Receive complimentary Gold status
- Avoid foreign transaction fees
- Benefit from low annual fee
- Redeem weekend night reward certificates
Cons
- Experience low redemption value
- Lack bonus category for paid hotel stays
- Miss out on APR intro offer
After spending $3,000 within three months, earn a welcome bonus of 130,000 points, accompanied by rewards like 12x points at Hilton hotels, 6x points on select categories such as gas, Wi-Fi, and shipping, and 3x points on all other purchases; all for a $95 annual fee, which includes perks such as complimentary Gold elite status and two weekend night certificates.
6. Wyndham Rewards Earner Business

With a whopping 8x points on Wyndham stays and gas purchases, road warriors can quickly rack up valuable rewards with the Wyndham Earner Business card.
Pros
- Offers excellent earning rates
- Provides automatic Wyndham Gold status
- Includes useful perks like a 10% points rebate
Cons
- Features a relatively narrow rewards structure
- Includes mostly lower-end Wyndham hotels
Starting with an initial spend of $3,000 within three months, unlock a welcome bonus of 45,000 points with an annual fee of $95. The card offers 8x points on Wyndham and gas, 5x on utilities and ads, 1x on non-bonus categories, and a bonus perk of 15,000 points every card anniversary.
Overview of the Best Business Credit Cards for Travel

Navigating the expenses of business travel requires strategic financial tools, and the right credit card can be instrumental in offsetting costs while earning valuable rewards. This article meticulously examines the top business credit cards tailored for acquiring travel rewards, accessing airport lounges, securing hotel elite status, and more.
Following an exhaustive evaluation of many premier business credit cards, the guide presents the top 6 picks across various categories. Each card analysis provides insightful perspectives on the rationale behind its selection, key advantages and disadvantages, and crucial card specifics.
Whether you’re a seasoned frequent flyer accumulating miles or a burgeoning small business owner in pursuit of a streamlined cash back card, this guide serves as an invaluable resource to identify the optimal credit card aligning with your specific travel needs.
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How to Choose the Best Business Credit Card for Your Travel Style
When picking the optimal business credit card for your situation, start by outlining your typical monthly/annual spending and determining if you’ll meet any minimum requirements for signup bonuses or enhanced earn rates.
Next, decide whether your priority is cash back, flexible points, airline miles, or hotel rewards. Do you have a preferred airline or hotel chain? This will help narrow down branded card options.
Compare annual fees vs. ongoing card benefits. For example, airport lounge access credits may offset a high annual fee. Also consider perks like travel insurance, rental car coverage, and extended warranty.
Finally, analyze your rewards redemption goals. Do you want to transfer points/miles to various travel partners? Or simply use rewards to erase travel purchases from your statement? Identifying your ideal redemption method is key.
By weighing these factors against your regular business spending and travel habits, you’ll discover the perfect card match!
Pros and Cons of Business Credit Card for Travel
Business credit cards that earn travel rewards points and miles come with several pros and cons to weigh:
- Pros
- Enjoy lucrative signup bonuses that jumpstart your points balance.
- Earn additional points or cash back on travel/transit purchases.
- Easily redeem rewards for free personal and business trips.
- Offset expensive flights and hotel rates with rewards.
- Enhance airport experience with airport lounge access.
- Cons
- Face high annual fees on premium travel card options.
- Experience expenses quickly adding up due to employee misuse.
- Risk negating any rewards you earn by paying interest.
- Encounter difficulty redeeming large amounts of miles for peak flights.
What to Watch Out For…
While business travel credit cards unlock valuable perks, you need to be a savvy cardholder by paying attention to these key things:
- Avoid Foreign Transaction Fees: These irritating charges tack on 2-3% extra on overseas purchases. Opt for cards that waive foreign fees.
- Establish Employee Spending: Set clear boundaries on what types of purchases your staff can make if they have access to a company card.
- Beware of Sky-High Credit Limits: Don’t overextend your business finances with a high revolving credit line you can’t pay off monthly.
- Consider Balance Transfers: Many travel cards block balance transfers from other credit cards or charge very high fees. Pay off other card balances first before applying for a new travel rewards card.
Pro Tips

Follow these expert tips to stay on top of account balances while also extracting maximum value from your card’s benefits:
- Pay on time and set payment reminders before due dates to avoid interest charges
- Use online dashboards to digitally track employee spending
- Save on flights by transferring points to airline partners and booking off-peak
- Offload expiring rewards points/miles annually with account sharing if needed
- Leverage annual travel credits each cardmember year
- Contact issuers for retention offers if you’re thinking of canceling due to a high annual fee
Recap
The article provides an in-depth analysis of the best business credit cards tailored for travel, offering insights into rewards, perks, and potential drawbacks. It highlights six top picks across various categories, such as the Ink Business Preferred Card, Blue Business Plus Card, Business Platinum Card, Southwest Rapid Rewards Premier Business, Hilton Honors American Express Business, and Wyndham Rewards Earner Business.
Each card review delves into the reasons behind its selection, outlining key pros and cons along with specific details regarding welcome bonuses, earning structures, annual fees, and additional benefits.
Furthermore, it provides valuable advice on how to choose the best business card based on spending habits, reward preferences, annual fees, and redemption goals. It also highlights potential pitfalls to watch out for, such as foreign transaction fees, employee spending boundaries, high credit limits, and balance transfer considerations. Finally, it offers expert tips.
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