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10 Best Business Credit Cards for Travel 2022

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After comparing fees, rewards, bonuses, and more, we found that Capital One’s free Spark 1.5X Miles Select card offers the best value for the most business owners. We’ll tell you all about why we like Spark 1.5X Miles Select―and about nine other cards that might be a good fit―in the article below. 

Best business credit cards for travel

• Spark 1.5X Miles Select : Best overall business credit card for travel
• Spark 2X Miles : Best for flat-rate miles rate
• Delta SkyMiles® Gold Business Card : Best for travel perks
• Ink Business Preferred® credit card : Best for flexible points
• U.S. Bank Business Leverage® Visa Signature® Card : Best for cash back

Compare the best business credit cards for travel

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Spark 1.5X Miles Select: Best overall business credit card for travel

Capital One’s Spark 1.5X Miles Select is our favorite travel business credit card for most business owners.

So what makes it a standout? It starts with the annual fee―or rather, the fact that Spark 1.5X Miles Select doesn’t have one. In fact, it’s the only travel-focuses business card we’ve found with no annual fee . That makes it a great value for all business owners, including those who don’t do enough travel to offset high fees.

We also like that Spark 1.5X Miles Select earns flat-rate rewards. It doesn’t matter if you’re traveling to a conference, buying your team lunch, or just getting more printer paper. No matter how you spend, this card lets you earn a decent amount of miles.

Now, other cards do let you earn more miles. So if you’re really trying to maximize your miles, Spark 1.5X Miles Select may not be the card for you. But if you want to earn miles without planning your spending, this card does the job.

Likewise, Spark 1.5X Miles doesn’t have a ton of travel perks. Capital One will tell you if flight prices drop (and even refund you after you book), and you don’t pay foreign transaction fees. But don’t expect free checked baggage, a travel lounger, or other top-tier perks.

All the same, Spark 1.5X Miles offers a simple way to earn miles for travel―without worrying about an annual fee. That makes it flexible enough for most business owners, which is why Spark 1.5X Miles is our top business credit card for travel.

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Spark 2X Miles: Best flat-rate miles rate

Like the idea of a flat rewards rate, but want to earn even more? Then Spark 2X Miles could be your perfect business credit card.

Spark 2X Miles lets you earn miles at a flat rate, just like Spark 1.5X Miles Select. But Spark 2X Miles earn more miles per dollar, meaning you’ll rack up free travel faster. Plus, Spark 2X Miles gets you some added perks. You’ll get a credit to put toward Global Entry or TSA Precheck, for example. And you get access to Capital One airport loungers, including two free visits each year.

Of course, you will have to pay more to get all these benefits. Spark 2X Miles has an annual fee (after your first year), though it’s a pretty affordable one. You’ll also pay a high APR if you carry a balance on your Spark 2X Miles card, so we highly recommend paying this one off each month (which is a good practice for all business credit cards).

But simply put, Spark 2X Miles earns you plenty of flat-rate miles and gives you other travel perks―without breaking the bank.

Delta SkyMiles® Gold Business Card: Best for travel perks

Looking for a great balance of travel perks and price? Then check out the Delta SkyMiles® Gold Business Card.

Aside from earning miles on your purchases, the Delta SkyMiles® Gold Business Card rewards you with some great travel benefits. You’ll get a free checked bag on Delta flights, for instance, along with priority boarding. Plus, you’ll save on travel. The Delta SkyMiles® Gold Business Card gives you a $100 Delta flight credit each year (after you spend $10,000) and offers a 20% discount on in-flight purchases.

But this card does have an annual fee (aside from your first year), so make sure those benefits outweigh that cost. And keep in mind, while this card has nice perks, it’s not a super high earning card. You max out a 2X miles for Delta, restaurant, shipping, and advertising purchases. Everything else? Just 1X miles.

All the same, the Delta SkyMiles® Gold Business Card offers a nicer travel experience with a reasonable annual fee.

Ink Business Preferred® credit card: Best for flexible points

If you don’t always want to redeem rewards for travel, Chase’s Ink Business Preferred® credit card can give you more flexibility.

The Ink Business Preferred® credit card earns points instead of miles (and luckily, you can earn them at a pretty high rate for travel, shipping, advertising, and more). You can redeem those points for travel, if you want. In fact, Chase gives you 25% for each point when you redeem for travel. But if you’d rather get cash one month or merchandise the next, the Ink Business Preferred® credit card gives you that option.

Like other cards on this list, the Ink Business Preferred® credit card has an annual fee―and its fee never gets waived at all. So as always, do some math before committing to this card and its fee. And note that this card comes with a generous welcome bonus, but you have to spend a lot ($15,000) to get it. In other words, this card works best for bigger spenders.

If that meets your business needs, though, the Ink Business Preferred® credit card can give you more flexibility than a travel-specific credit card.

U.S. Bank Business Leverage® Visa Signature® Card: Best for cash back

Prefer to get straight up cash? The U.S. Bank Business Leverage® Visa Signature® Card is a cash back business credit card ―but it has a couple extras to reward your travel.

With the U.S. Bank Business Leverage® Visa Signature® Card, you earn 1% on most purchases, but you get 2% cash back in your top two spending categories. Those categories can include travel-related ones like airlines, car rental, gas stations, and hotels. But U.S. Bank gives you 5% cash back (an excellent rate) on prepaid hotels and prepaid car rentals―rewarding you even more for your travels.

The catch? You have to book those car rentals and hotels through U.S. Bank’s Travel Rewards Center―not the most convenient way of doing things. And the U.S. Bank Business Leverage® Visa Signature® Card is another card that has an annual fee after your first year, so you’ll want to make sure you travel enough to get your money’s worth. 

But for basic cash back―with a little extra for travel―the U.S. Bank Business Leverage® Visa Signature® Card is a solid option.

Want affordable banking with great perks? With Bluevine, you can get a fee-free business checking account―and you can even earn up to $5,000 in interest.

Honorable mentions

Haven’t seen the right credit card for your small business yet? Then maybe one of our five honorable mentions will interest you.

• CitiBusiness®/AAdvantage® Platinum Select® Mastercard® : Best for American Airlines travel
• Business Gold Card : Best credit limit
• Business Platinum Card® : Highest points rate
• Delta SkyMiles® Platinum Business Card : Highest miles rate
• Delta SkyMiles® Reserve Business Card : Best for heavy travel

Compare honorable mention business credit cards for travel

Citibusiness®/aadvantage® platinum select® mastercard®: best for american airlines travel.

We’ve already shown you that American Express has some great deals for Delta customers―but what if you fly American Airlines? In that case, take a look at the CitiBusiness®/AAdvantage® Platinum Select® Mastercard®.

The CitiBusiness®/AAdvantage® Platinum Select® Mastercard® earns extra miles for American Airline purchases―plus it saves you 25% on in-flight purchases. As you might expect, it also gets you a free checked bag and preferred boarding. And if you spend $30,000 with your card in one year, you earn an American Airlines Companion Certificate.

You will have to pay an annual fee after year one, so make sure you travel enough on American Airlines to justify the CitiBusiness®/AAdvantage® Platinum Select® Mastercard®.

Business Gold Card: Best credit limit

Looking for a high-limit business credit card ? Then we think American Express’s Business Gold Card will interest you.

With the Business Gold Card, you don’t have a strict credit limit. Instead, American Express gives you an adaptable spending limit. It automatically adjusts based on your card usage (and repayments), meaning you can get more buying power without calling to ask for a credit limit bump.

The Business Gold Card earns points, not miles. But you can earn a 4X rate in your top categories (like airfare), and you can get points back for booking travel through American Express. That just might make the $295 annual fee―the highest so far―worth it. 

Business Platinum Card®: Highest points rate

If you like the idea of earning flexible points (like with the Ink Business Preferred® credit card) but you want the highest possible rate, you need American Express’s Business Platinum Card®.

The Business Platinum Card® earns up to 5X points on flights and hotels, making it one of the top-earning business credit cards. Plus, you can usually get a generous welcome offer that earns you even more points. And to sweeten things further, this card gets you access to American Express airport lounges, gives you a baggage fee credit, and has several other travel perks.

Those benefits come at a high cost, though. The Business Platinum Card® is the most expensive card on this list, with an annual fee of almost $700. So it’s not right for all business owners―but it can get you a very high points rate.

Delta SkyMiles® Platinum Business Card

If you’d rather get a top-notch rate on miles than points, then you’ll like the Delta SkyMiles® Platinum Business Card.

Delta SkyMiles® Platinum Business Card earns up to 3X miles on travel through Delta. And like other American Express cards, it offers great welcome bonuses when you open your card. This Delta-branded card also gets you travel benefits like priority boarding, a free checked bag, and (paid) access to the Delta Sky Club. You even get a companion certificate each year when you renew.

But as you can guess from seeing other AmEx cards, this one has a hefty annual fee. And while the 3X max rewards rate is great, it only applies to travel. So if you want a high rate on everyday spending, you may prefer a different credit card.

Delta SkyMiles® Reserve Business Card: Best for heavy travel

Our final pick is only for very frequent fliers. But if that’s you, the Delta SkyMiles® Reserve Business Card has all sorts of great benefits.

For starters, you earn 3X miles on travel. Rather than having a welcome bonus, though, this card lets you earn 15,000 bonus miles whenever you spend $30,000 in one year. You can even earn that bonus more than once a year. You’ll also enjoy travel perks like complimentary airport lounge access, a companion certificate, concierge assistance, free checked bags . . . and so on.

In other words, the Delta SkyMiles® Reserve Business Card offers some of the best travel perks we’ve seen. But with a $550 annual fee, only regular travelers will be able to justify this pricey business credit card.

The takeaway

The Spark 1.5X Miles Select credit card from Capital One is our top business credit card for travel. It has no annual fee, earns flat-rate rewards and starts you off with a (with a 16.99%–26.99% variable APR after). That means it provides plenty of value for all kinds of business owners.

To earn even more miles at a flat rate, you can upgrade to the Spark 2X Miles card from Capital One. For airline-specific perks, we suggest American Express’s Delta SkyMiles® Gold Business Card. Business owners wanting more flexibility than simple miles will like the points rewards from Chases’s Ink Business Preferred® credit card. And the U.S. Bank Business Leverage® Visa Signature® Card offers basic cash back while giving you extra rewards for your travel.

Safe travels!

Found the right travel card for your small business? Find out how to apply for a business credit card and start earning those miles.

Related reading

• Best Instant Approval Credit Cards 2023
• 5 Best Business Credit Cards for Balance Transfer 2023
• Best 0% Interest Business Credit Cards 2023
• How to Get a High-Limit Business Credit Card
• What’s the Difference Between a Business Credit Card and Corporate Credit Card?

Methodology

We analyzed more than three dozen credit cards to find the best business credit cards for travel. We narrowed things down by looking for business cards that offered miles rewards, travel perks, or extra value for redeeming travel. Then we scored those credit cards based on their fees, purchase APR, rewards rate, and more.

Choosing the right business credit card for travel

While we do like the Spark 1.5X Miles Select card for many business owners, you should know that there’s no one-size-fits-all business credit card for travel. (In fact, there’s no one-size-fits-all small-business credit card at all.) Instead, you need to find the card that works with your business needs and habits.

So as you shop for a travel credit card for your business, think about these questions:

How often do you travel?

Frequent travelers may want lots of perks for their trips―like lounge access, companion passes, priority boarding, and more. If you travel enough, a $550 annual fee might feel worthwhile to get those perks.

But for business owners that travel every once in a while, a lower-fee card with fewer perks might be a better fit.

How do you travel?

Consider what airlines you use. If you mostly use American Airlines, for instance, getting the CitiBusiness/AAdvantage Platinum Select card could make a lot of sense. But that card won’t offer as much for Delta customers. Instead, they should get an American Express Delta SkyMiles card.

On the other hand, travelers that don’t fly as much may prefer a flat-rate card (like the Spark cards from Capital One) that reward you just as much for car rentals, hotels, and other traveling expenses.

Would you like more flexibility?

It’s great to get miles for free travel, but maybe you’d rather get a more flexible kind of reward. In that case, you can look for business credit cards that reward you with cash back or points.

Some of these (like Chase’s Ink Business Preferred) still give you some nice rewards for traveling, but they give you more options for using those rewards.

Travel business credit card FAQ

Yes, you can use your business credit card for travel―as long as it’s business travel.

Capital One’s Spark 1.5X Miles Select is the best business credit card to use while traveling (in most cases). It earns flat-rate miles on all your purchases and has no annual fee, making it a good value for all traveling business owners.

If you travel a lot, though, you may prefer a business credit card with more travel perks like the Delta SkyMiles® Gold Business Card.

Yes, most credit card companies let you use your business credit card rewards points for personal travel. But when in doubt, ask your credit card company for its policy.

Yes, you can use an EIN to get a business credit card .

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• Ink Business Preferred® Credit Card
• The Business Platinum Card® from American Express
• Capital One Venture X Business Card†
• The Blue Business® Plus Credit Card from American Express
• Ink Business Cash® Credit Card
• American Express® Business Gold Card
• Capital One Spark Miles for Business†
• Why You Should Trust Us

Best Business Travel Credit Cards of April 2024

Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews .

The information for the following product(s) has been collected independently by Business Insider: Capital One Venture X Business Card†, Capital One Spark Miles for Business†, Capital One Spark Miles Select for Business†. The details for these products have not been reviewed or provided by the issuer.

It's time to earn rewards for all your company expenses. Whether you own a small business, work side gigs, independent contractor, or freelancer, you're probably spending a good chunk of cash already. So why not earn something for it? Earning many points and miles isn't a benefit limited to regular consumer credit cards. 

Keeping your personal and business spending separate is prudent, especially when tax season comes around. And maintaining a distinct business credit card makes it that much easier to track the goods and services you've purchased. In addition, the bonus categories for purchase rewards typically align with business expenses such as advertising, shipping, and office supplies.

Let's talk about the specific cards you should consider to reap the benefits of travel rewards and keep your business running on all cylinders. 

Compare the Top Business Credit Cards for Travel

Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases.

21.24% - 26.24% Variable

Earn 100,000 bonus points

Good to Excellent

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High sign-up bonus
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 3x bonus points on several spending categories, including travel and advertising purchases
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes comprehensive travel coverage
• con icon Two crossed lines that form an 'X'. Welcome bonus has a very high minimum spending requirement

The Ink Business Preferred® Credit Card offers a huge welcome bonus and solid earning and benefits for a moderate annual fee. If your small-business expenses line up with the card's bonus categories and you like redeeming Chase Ultimate Rewards® points for travel, this is one of the best small-business credit cards to consider.

• Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
• Points are worth 25% more when you redeem for travel through Chase Travel℠
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
• Member FDIC

Earn 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com. Earn 1.5X points on each eligible purchase at shipping providers, US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, as well as on purchases of $5,000 or more everywhere else (on up to $2 million per calendar year). Earn 1X points for each dollar you spend on other eligible purchases.

19.49% - 28.49% Variable

Earn 150,000 Membership Rewards® points

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. More travel benefits than you'll find on any other business credit card
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous airport lounge access options, from American Express Centurion Lounges to Priority Pass (enrollment required)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Complimentary hotel elite status (enrollment required)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Access to Amex concierge services
• con icon Two crossed lines that form an 'X'. Very high annual fee
• con icon Two crossed lines that form an 'X'. Limited opportunities to earn bonus points
• con icon Two crossed lines that form an 'X'. Annual statement credits won't be useful for everyone

The Business Platinum Card® from American Express is one of the best small-business cards with an elevated bonus and top-notch benefits (and a premium annual fee to match). It's an excellent offer if you like earning Membership Rewards points and you can maximize the bonus spending categories and perks — but be sure to assess whether the annual fee is worth it for you before you commit.

• Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
• 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
• Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase 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.
• Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
• $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
• The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
• $695 Annual Fee.
• Terms Apply.

Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel. Earn 5X miles on flights booked through Capital One Travel. Earn unlimited 2X miles on all other purchases.

no APR but a 2.99% monthly late fee if balance is not paid in full

Earn 150,000 bonus miles

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Excellent earning rates and perks that offset the high annual fee
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Premium benefits include travel statement credits and airport lounge access
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No preset spending limit for flexibility
• con icon Two crossed lines that form an 'X'. Balance must be paid in full each month to avoid a late fee
• con icon Two crossed lines that form an 'X'. Annual travel statement credits only apply to Capital One Travel purchases

Limited time offer: Earn 10X Membership Rewards® Points spent at restaurants worldwide for three months, on up to $25,000 in purchases when eligible card member refers a friend and the friend applies by May 22, 2024 and gets the card (terms apply). Earn 2x Membership Rewards® Points on everyday eligible business purchases (on up to $50,000 per year in purchases, then 1X). Earn 1x Membership Rewards® Points on all other purchases.

0% intro APR on purchases for the first 12 months from account opening

18.49% - 26.49% Variable

Earn 15,000 Membership Rewards® points

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. The rare no-annual-fee card to earn Amex Membership Rewards points
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Solid earning rate on the first $50,000 in purchases each year
• con icon Two crossed lines that form an 'X'. For spending above $50,000 each year, you will only earn 1 point per dollar

If you're a small-business owner looking for a credit card that offers flexible rewards points without paying an annual fee, The Blue Business® Plus Credit Card from American Express is an excellent option. You don't need to own a full-time business to be eligible to apply, either — even freelancers and those with side gigs can qualify for a small-business card.

• Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
• 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
• Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
• You've got the power to use your Card beyond its credit limit* with Expanded Buying Power.
• *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
• No Annual Fee
• Terms Apply

Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases.

0% intro APR on purchases for the first 12 months

18.49% - 24.49% Variable

Earn up to $750 bonus cash back

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Broad 5% and 2% cash-back categories (you can earn bonus cash back at office supply stores and at gas stations and restaurants)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Intro APR offer for purchases
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No annual fee
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can pair this card with a card that earns Ultimate Rewards to redeem your cash back for travel
• con icon Two crossed lines that form an 'X'. Annual cap on bonus categories

Between offering a big welcome bonus, extra rewards in useful categories, and ongoing benefits like primary car rental insurance and purchase protection, the Ink Business Cash® Credit Card is an excellent no-annual-fee cash-back business credit card for small-business owners.

• Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
• Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
• Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
• 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
• 0% introductory APR for 12 months on purchases

Limited time offer: Earn 10x Membership Rewards® Points at restaurants worldwide for three months, on up to $25,000 in purchases when eligible card member refers a friend and the friend applies by May 22, 2024 and gets the card (terms apply). Earn 4x Membership Rewards® Points on the first $150,000 spent each calendar year in combined purchases from the top 2 business categories where your business spent the most each billing cycle (then 1x points per dollar). Earn 3x Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com. Earn 1x Membership Rewards® Points on all other purchases.

Earn 70,000 Membership Rewards® points

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can bonus points on the categories where you make the most purchases (from a list of options)
• con icon Two crossed lines that form an 'X'. High annual fee

The American Express® Business Gold Card is a good choice if your business spends a lot in certain categories and you want to earn Membership Rewards points for travel or other redemptions. It's got a high annual fee, but if you can use the card's benefits to your advantage, it can be well worth it.

• Welcome Offer: 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 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
• Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
• Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
• Get $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. $12.95 plus applicable taxes.
• Your Card – Your Choice. Choose from Gold or Rose Gold.
• *Terms Apply

Earn unlimited 5X miles on hotels and rental cars booked through Capital One Travel. Earn unlimited 2X miles on every purchase, with no restrictions or blackout dates.

$95, waived the first year

26.24% Variable

Earn 50,000 miles

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No bonus categories to keep track of
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual fee is waived the first year
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can redeem miles to erase travel purchases from your statement, or you can transfer to various airline and hotel programs
• con icon Two crossed lines that form an 'X'. Not many extra benefits

The Capital One Spark Miles for Business is a solid rewards business credit card to consider if you want to earn a flat rate of rewards that are easy to redeem. This card gives you an unlimited 2 miles for each dollar you spend just about everywhere, and you can redeem them to cover any travel purchases you want.

Best Business Credit Cards for Travel of April 2024

• Ink Business Preferred® Credit Card : Best business credit card overall
• The Business Platinum Card® from American Express : Best business card for premium benefits
• Capital One Venture X Business Card† : Best business credit card for high spenders
• The Blue Business® Plus Credit Card from American Express : Best business credit card for unlimited flat-rate Amex Membership Rewards
• Ink Business Cash® Credit Card : Best business credit card for unlimited flat-rate cashback or Chase Ultimate Rewards®
• American Express® Business Gold Card : Best business card for 4x Amex Membership Rewards categories
• Capital One Spark Miles Select for Business† : Best business credit card for unlimited flat-rate Capital One miles

Business Travel Credit Card Reviews

Best travel business credit card overall: ink business preferred® credit card.

The Ink Business Preferred® Credit Card is a fantastic jack-of-all-trades business credit card for many small business owners. The card comes with a generous sign-up bonus and valuable ongoing bonus categories for a reasonable $95 annual fee. Even better, you'll earn rewards in the form of Chase Ultimate Rewards points , perfect for booking travel. 

This card's benefits include a wide array of trip protection and travel insurance perks such as trip cancellation and trip delay protection to help you recoup some expenses when travel goes awry, primary car rental coverage, and much more. The Ink Business Preferred® Credit Card also offers cellphone protection benefits: When you pay your cellphone bill using this credit card, you and eligible employees alike can claim up to $1,000 per incident in the event of qualifying instances such as phone damage or theft.

Right now, you'll earn 100,000 bonus points after spending $8,000 on purchases in the first three months from account opening. You'll also earn Chase Ultimate Rewards points at the following rates per dollar spent: 

• 3 points per dollar on travel
• 3 points per dollar on shipping purchases
• 3 points per dollar on internet, cable, and phone services
• 3 points per dollar on advertising purchases made with social media sites and search engines
• $150,000 annual cap on 3X bonus earnings on combined purchases (1X thereafter).
• 1 point per dollar on all other spending

Read our full Chase Ink Business Preferred card review to learn more about this business credit card. 

Best Business Card for Premium Travel Benefits: The Business Platinum Card® from American Express

The Business Platinum Card® from American Express is, without a doubt, the perennial premium business travel card, thanks to its extensive array of perks and ability to earn flexible, valuable Membership Rewards points. Although the annual fee of $695 is high, valuable perks like statement credits, airport lounge access, and top-notch travel and purchase protection offset it.

We'll get right to it: The Business Platinum Card® from American Express isn't for every business owner. The earning rates on most categories of spend are low, even compared to many other Amex Membership Rewards cards (see the The Blue Business® Plus Credit Card from American Express below).

Instead, this card shines for its incredible benefits, including annual credit toward a CLEAR verification membership and top-tier airport lounge access to American Express Centurion Lounges , as well as the worldwide Priority Pass network. You'll also receive hundreds of dollars in valuable statement credits for purchases at Dell, Indeed, and Adobe (enrollment required). 

Right now, you'll earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the card within the first three months of card membership. You'll also earn Membership Rewards points at the following rates per dollar spent: 

• 5x on flights and prepaid hotels booked through Amex Travel
• 1.5x on each eligible purchase of $5,000 or more 
• 1.5x on eligible purchases in the US at electronics goods retailers, software, and cloud service providers 
• 1.5x at eligible US shipping providers
• 1.5x on eligible US purchases of construction materials and hardware supplies
• 1x on everything else

The 1.5x categories are capped at a total of $2 million in combined purchases each year — after that, you'll earn 1 point per dollar in these categories.

Read our full Amex Business Platinum card review to learn more about this business card. 

Best Business Credit Card for High Spenders: Capital One Venture X Business Card†

The Capital One Venture X Business Card† is a newcomer on the business credit card scene that heavily rewards big spenders. This card has a $395 annual fee, and comes with a generous welcome bonus of 150,000 bonus miles once you spend $30,000 in the first three months from account opening. However, the hefty spending requirement may be tricky to reach for some small business owners. 

This card's generous benefits include:

• $300 annual credit for travel purchased through the Capital One travel portal
• Priority Pass, Plaza Premium, and Capital One lounge access
• Global Entry or TSA PreCheck credit
• Cellphone insurance
• Rental car benefits and primary insurance coverage
• Travel interruption or cancellation protections
• Anniversary bonus of 10,000 miles 

Read more about this card in our Capital One Venture X business card review . 

Best Business Credit Card for Unlimited Flat-Rate Cash Back or Amex Membership Rewards: The Blue Business® Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American Express is one of our favorite business travel credit cards for its generous 2x Membership Rewards points earn rate on every purchase, all with no annual fee. It's simple, rewarding, and often goes under the radar; essentially, this card is a gem hidden in plain sight. This card is for business owners who need a reliable daily-use credit card that doesn't require planning ahead for bonus categories. 

This credit card comes with a 0% introductory APR (then 18.49% - 26.49% Variable APR) which is valuable for business owners anticipating major purchases coming up.  

One of the best ways to maximize your reward redemptions is to transfer Membership Rewards points to one of many Amex airline and hotel transfer partners including Air Canada Aeroplan, British Airways Executive Club, Marriott Bonvoy, and many more.

Right now, you'll earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the card within your first three months of card membership. You'll also earn rewards at the simple rate of 2 points per dollar on the first $50,000 spent on the card each year, then 1 point per dollar after that. Note that this card carries a foreign transaction fee , so don't bring it abroad. 

Read our full Amex Blue Business Plus credit card review  to learn more about this business credit card. 

Best Business Credit Card for Unlimited Flat-Rate Cash Back or Chase Ultimate Rewards®: Ink Business Cash® Credit Card

The Ink Business Cash® Credit Card is a no-annual-fee business credit card that earns generous cash back on business-related categories while providing useful perks such as purchase and extended warranty protection. For small businesses without major expenses, this is the card to get, especially since you can add employee cards at no additional cost. 

The 0% introductory APR offered on this card is one of the best benefits for new applicants (then 18.49% - 24.49% Variable APR). This perk can help you pay off large expenses over time without incurring interest. 

This is a cashback card on the surface, which means you can redeem your rewards toward travel at a rate of 1 cent per point on the Chase Travel Portal℠ . However you can level up the value of your Ink Business Cash® Credit Card rewards if you have a card like the Ink Business Preferred® Credit Card, the personal Chase Sapphire Reserve® , or the personal Chase Sapphire Preferred® Card .

When you transfer the rewards from your Ink Business Cash® Credit Card to one of these credit cards that earn Chase Ultimate Rewards points, you get an additional reward redemption option which can be way more lucrative in many cases.  If you go this route, your rewards can be used across the full suite of Chase airline and hotel transfer partners .

Right now, you'll earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening. You'll also earn rewards at the following rates per dollar spent: 

• 5% cash back on up to $25,000 a year in spending at office supply stores and on cable, internet, and phone service
• 2% cash back on up to $25,000 a year in spending at gas stations and restaurants
• 1% cash back on all other spending

The Ink Business Cash® Credit Card charges foreign transaction fees, so it isn't a good card to pack for international travel. 

Read our full Chase Ink Business Cash credit card review to learn more about this business credit card. 

Best Business Card for 4x Amex Membership Rewards Categories: American Express® Business Gold Card

The American Express® Business Gold Card is unique because it automatically earns a powerful — and very business-friendly — 4 points per dollar in your top two spending categories each month, which means you don't have to pick a spend category and commit to it. On top of that, you'll earn valuable Amex Membership Rewards points at the following rates:

• 4X points per dollar on your top two spending categories each quarter, up to a $150,000 annual limit
• 1X points per dollar on other eligible spending

This card has a $375 annual fee.

Read our full Amex Business Gold card review to learn more about this business card. 

Best Business Credit Card for Unlimited Flat-Rate Capital One Miles: Capital One Spark Miles for Business†

There's nothing to memorize here: The Capital One Spark Miles for Business† offers a simple rewards structure so you can purchase what you need without considering bonus categories. You'll earn 2 miles per dollar on pretty much anything. That's it. You can earn a bonus of 50,000 miles once you spend $4,500 on purchases within the first three months from account opening, and the annual fee is $95, waived the first year.

Our guide on how to earn and redeem Capital One miles will offer more in-depth information. But In most cases, you'll get the best value out of your rewards if you transfer your miles to one of Capital One's hotel and airline transfer partners . Alternatively, you have the ability to redeem for airfare, hotels, or rental cars directly on the Capital One Travel portal at a rate of 1 cent per mile. 

Read our full Capital One Spark Miles for Business card review to learn more about this business credit card. 

Business Travel Credit Card Frequently Asked Questions

The Ink Business Preferred® Credit Card is one of the best overall credit cards for small business owners. This card combines generous travel benefits and purchase protection with a great welcome bonus, all for a reasonable $95 annual fee. 

Frequent travelers will want to keep The Business Platinum Card® from American Express close at hand on the road. Premium travel benefits include expedited security access, membership to hundreds of airport lounges worldwide, and significant rebates on travel expenses booked through Amex Travel. 

You can use your business credit card to pay for travel expenses relevant to your company. If you plan to travel internationally, make sure you bring a credit card that doesn't charge foreign transaction fees. 

The Business Platinum Card® from American Express is one of the best business credit cards for people who travel frequently. For a fee, small business owners can request credit cards for employees and authorized users to take advantage of a number of the premium benefits of this card. 

Why You Should Trust Us: How We Chose the Best Business Credit Cards for Travel

Business Insider's credit card reviewers are experts when it comes to business expenses. Not only do many of us own and operate our own small businesses, we also evaluate and compare every credit card on the market on a regular basis. We chose the business credit cards highlighted in this particular guide for the following reasons:

Rewards — Each of the business credit cards on this list provides a minimum of one cent per dollar spent, and some do so without charging an annual fee. These build your business credit score and history while rewarding you for everyday expenses related to your company. 

Travel benefits — Every card on this list of best business credit cards for travel comes with soft benefits that improve the quality of your work life. Whether we're comparing premium travel benefits such as airport lounge access or something basic such as bonus points per dollar spent on travel, each of these cards makes your life as an entrepreneur just a little bit easier or better on the road.  

Value — The cards in this list run the gamut from free to hundreds of dollars per year in annual fees. Some business owners find the high value provided by premium credit cards worth the hefty annual fee (which counts toward your business expenses for the year). Other entrepreneurs prefer cards that don't take additional money out of their wallets. Each of the cards on this list gives back more than it takes, regardless of the annual fee. 

Protection — Purchasing business equipment, supplies and raw materials can be expensive, tedious, and challenging to manage and maintain. The business credit cards we highlighted here offer an extra layer of protection between you and asset loss: Many provide purchase protection and extended warranties, while others may offer a 0% introductory APR period to help you pay off big expenses over time without incurring interest. 

Interested in our evaluations? Learn about Business Insider's review methodology for credit cards .

For rates and fees of The Business Platinum Card® from American Express, please click here.

For rates and fees of The Blue Business® Plus Credit Card from American Express, please click here.

For rates and fees of the American Express® Business Gold Card, please click here.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Trip Delay Insurance, Trip Cancellation and Interruption Insurance, and Cell Phone Protection Underwritten by New Hampshire Insurance Company, an AIG Company. Global Assist Hotline Card Members are responsible for the costs charged by third-party service providers. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers. Extended Warranty, Purchase Protection, and Baggage Insurance Plan Underwritten by AMEX Assurance Company. Car Rental Loss & Damage Insurance Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

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Credit Cards

Best business credit cards for travel of April 2024

Ariana Arghandewal

Glen Luke Flanagan

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 1:49 a.m. UTC April 15, 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.

Best overall

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.

Welcome bonus

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.

Regular APR

Credit score.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Editor’s Take

• Earn big rewards on purchases from the top two business categories you spend the most on each month.
• Benefits to give you peace of mind while traveling and shopping.
• $375 annual fee.
• Elevated rewards rate is subject to an annual spending cap.
• No introductory APR offer.

Card details

• Annual fee: $375.
• Rewards: 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: 70,000 Membership Rewards points after spending $10,000 on purchases in the first three months of card membership.
• APR: 19.49% to 28.49% variable APR.
• Perks and benefits: This card includes baggage insurance, car rental insurance and trip delay coverage. You also receive extended warranty and purchase protection.

All information about American Express® Business Gold Card has been collected independently by Blueprint.

Best business credit card for airline travel

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.

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.

• Elite perks when flying United.
• Ability to earn elite status through credit card spending.
• Above-average earn rate on everyday purchases.
• High annual fee.
• Approval is subject to Chase 5/24 rule.
• Rewards rate on United spending is just OK.
• Annual fee: $450.
• Rewards: 2 miles per $1 on United purchases and 1.5 miles per $1 on all other purchases.
• Welcome bonus: 50,000 miles and 1,000 Premier qualifying points after spending $5,000 on qualifying purchases in the first three months of account opening.
• APR: 21.99% to 28.99% variable APR on purchases and balance transfers .
• Perks and benefits: No foreign transaction fees, complimentary United Club membership, United Premier Access service, free checked bags, 500 Premier Qualifying Points (PQP) for every $12,000 spent (up to 1,000 PQP per calendar year), Premier upgrades on award tickets, 25% discount on in-flight purchases, Avis President’s Club membership, Luxury Hotel & Resort collection benefits, trip cancellation and interruption insurance, baggage delay insurance, lost luggage reimbursement, trip delay reimbursement and primary rental car insurance.

Best business credit card for hotels

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.

Earn 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.

• Rewards program adapts to your top spending categories.
• Provides Discoverist status.
• No foreign transaction fee.
• $199 annual fee.
• Hyatt has a smaller geographic footprint than some competing hotel chains.
• No intro APR periods.
• Annual fee: $199.
• Rewards: 4 points per $1 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: 60,000 points after spending $5,000 on purchases in the first three months of account opening.
• APR: 21.49% to 28.49% variable APR on purchases and balance transfers. A balance transfer fee of either $5 or 5% of each balance transfer, whichever is greater, applies .
• Foreign transaction fees: $0.
• Perks and benefits: Discoverist status, up to $100 per year in Hyatt statement credits, discounted room rates through Hyatt Leverage membership, 10% redemption bonus after meeting the $50,000 spending target (limits apply), primary rental car coverage, trip cancellation and interruption insurance, travel and emergency assistance, purchase protection, extended warranty and free employee cards.

Best business card for premium travel perks

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.

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.

• No foreign transaction fees.
• High reward potential.
• High-end airport lounge access.
• $695 annual fee.
• No low introductory APR period.
• Some of the potential credits may not be a fit for your business needs.
• Annual fee: $695.
• Rewards: 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: 150,000 Membership Rewards® points after spending $20,000 on eligible purchases in the first three months of card membership.
• Other perks and benefits: No foreign transaction fees, the following annual statement credits: up to $400 Dell statement statement credit for eligible U.S. purchases, up to $360 Indeed statement credit, up to $150 Adobe Creative Solutions statement credit, up to $120 wireless telephone statement credit (with U.S. wireless telephone service providers), up to $200 airline incidental fee credit, up to $189 CLEAR® Plus statement Credit, up to $100 Global Entry or TSA PreCheck application fee statement credit, get 35% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 1,000,000 points back per calendar year plus elite hotel status and travel and purchase protections and insurances. Enrollment is required for select benefits.

All information about The Business Platinum Card® from American Express has been collected independently by Blueprint.

Best business card for Delta flyers

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.

Earn 75,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.

• Companion certificate.
• Delta Sky Club and Amex Centurion lounge access.
• Main Cabin 1 priority boarding and a first checked bag free on Delta flights.
• Non-Delta spending rewards are lackluster.
• Annual fee: $650.
• Rewards: 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 in purchases in the first six months of card membership.
• APR: 20.99% to 29.99% variable APR.
• Foreign transaction fees: None.
• Perks and benefits: Purchase a Delta flight with your card and access The Centurion ® Lounge or Escape Lounge (The Centurion ® Studio Partner), take 15% off when booking Award Travel with miles and receive four Delta Sky Club ® one-time guest passes each year upon card renewal.

All information about Delta SkyMiles® Reserve Business American Express Card has been collected independently by Blueprint.

Best business card for general purpose business travel

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.

Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That’s $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®.

• Significant welcome bonus.
• Substantial earn rate on travel and business spending.
• Points transfer 1:1 to over a dozen airline and hotel loyalty programs.
• Chase’s 5/24 rule applies.
• Chase Ultimate Rewards® program has fewer transfer partners than competing programs.
• No intro APR.
• Annual fee: $95.
• Rewards: 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: 100,000 points after spending $8,000 on purchases in the first three months of account opening.
• APR: 21.24% to 26.24% variable APR on purchases and balance transfers. A balance transfer fee of either $5 or 5% of each transfer, whichever is greater, applies .
• Perks and benefits: 25% increase in points value when booking travel through Chase, no foreign transaction fees, trip cancellation/interruption insurance, primary rental car insurance, cell phone protection.

Best business credit card for value travel

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.

Earn up to 100,000 bonus points, enough for up to 13 free nights at participating properties — Earn 50,000 bonus points after spending $4,000 on purchases in the first 90 days and earn 50,000 bonus points after spending $15,000 on purchases within the first 12 months. 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.

• Eye-popping rewards on spending at the pump.
• Generous rewards within the hotel brand.
• Receive top-tier Diamond status automatically.
• $95 annual fee.
• Wyndham properties are mostly value-branded hotels.
• Non-Wyndham travel earns only 1 point per $1.
• Rewards: 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: 50,000 points after spending $4,000 on purchases in the first 90 days plus an additional 50,000 points after spending $15,000 on purchases within the first 12 months of account opening. 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.
• APR: 0% intro APR for six billing cycles from the transaction date on all qualifying Wyndham Timeshare purchases. The standard APR of 21.24%, 25.24% or 30.24% variable applies to purchases and balance transfers. A balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater, applies .
• Perks and benefits: No foreign transaction fees, receive Wyndham Rewards Diamond member level and enjoy suite upgrades, welcome amenity at check-in, and more, anniversary bonus of 15,000 bonus points each anniversary year—enough for up to two free nights at participating hotels every year, redeem 10% fewer Wyndham Rewards points for go free® awards, so you earn your free nights faster.

Compare the best business credit cards for travel

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.

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.

• 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.
• F oreign transaction fees: None.

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.

• 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.

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.

• Rewards: Earn 4 points per $1 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.

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.

• 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.

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.

• 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.

*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.

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.

• 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 100,000 points after spending $8,000 on purchases in the first three months of account opening.

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.

• 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 50,000 points after spending $4,000 on purchases in the first 90 days plus an additional 50,000 points after spending $15,000 on purchases within the first 12 months of account opening. 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.

Explore travel insurance : The best travel insurance companies

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.

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.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Ariana Arghandewal is a travel hacker and travel rewards expert who leverages credit cards to earn over a million miles every year. She is the founder of Pointchaser, an award-winning blog where she covered rewards travel and credit cards since 2012.

Glen Luke Flanagan is a deputy editor on the USA TODAY Blueprint credit cards team. Prior to joining Blueprint, he served as a deputy editor on the credit cards team at Forbes Advisor, and covered credit cards, credit scoring and related topics as a senior writer at LendingTree. He’s passionate about helping people understand personal finance so they can make the best decisions possible for their wallet. Glen holds a master's degree in technical and professional communication from East Carolina University and a bachelor's degree in journalism from Radford University.

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How to choose a business travel card

How to get the most out of your business travel credit card, alternatives to business travel credit cards, how to apply for a business travel credit card, our methodology.

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Best Business Credit Cards for Travel for April 2024

The best offer flexible rewards points, airline miles or hotel points, and useful card perks.

Holly Johnson

Contributor

Holly Johnson is a credit card expert and writer who covers rewards and loyalty programs, budgeting, and all things personal finance. In addition to writing for publications like Bankrate, CreditCards.com, Forbes Advisor and Investopedia, Johnson owns Club Thrifty and is the co-author of "Zero Down Your Debt: Reclaim Your Income and Build a Life You'll Love."

Evan Zimmer

Staff Writer

Evan Zimmer has been writing about finance for years. After graduating with a journalism degree from SUNY Oswego, he wrote credit card content for Credit Card Insider (now Money Tips) before moving to ZDNET Finance to cover credit card, banking and blockchain news. He currently works with CNET Money to bring readers the most accurate and up-to-date financial information. Otherwise, you can find him reading, rock climbing, snowboarding and enjoying the outdoors.

A business credit card can lower your travel expenses if you take advantage of rewards and other money-saving perks, such as redemption bonuses and annual travel credits. However, you’ll likely need to pay an annual fee to get the best card benefits.

Some credit cards are tied to a specific hotel or airline and offer rewards or complimentary elite membership status. Consider your travel budget, where you stay most often and which airline you prefer to fly with before applying. Here are some of the best business travel cards to choose from.

American Express® Business Gold Card

The American Express® Business Gold Card has a ton going for it, from earning potential to redemption value. Cardholders can redeem Amex points for flights through AmexTravel.com at 1 cent per point, but you might find a higher per-point value by transferring to travel partners. Amex Membership Rewards points transfer to a range of airline and hotel partners, which makes it possible for cardholders to get even more value for their rewards.

In terms of travel benefits, the American Express® Business Gold Card comes with access to a Global Assist hotline and the Hotel Collection through American Express. Other benefits that come standard in exchange for this card’s $375 annual fee include up to a $240 flexible business credit each year (up to $20 statement credit each month for eligible U.S. purchases at FedEx, Grubhub, and office supply stores), up to a $155 annual Walmart+ membership statement credit (plus-ups not eligible; subject to auto-renewal) and cell phone protection**.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

The Business Platinum Card® from American Express

The Business Platinum Card® from American Express also earns flexible American Express Membership Rewards points that can be used for travel through AmexTravel.com or transferred to the brand’s airline and hotel partners. However, this card offers more travel benefits than the American Express® Business Gold Card. This makes sense, considering it has a much higher $695 annual fee.

For example, cardholders get the broadest airport lounge membership available today, up to $400 in statement credits for U.S. purchases with Dell Technologies each year, up to $360 in statement credits toward Indeed each year, up to $150 in Adobe statement credits each year for eligible purchases, up to $120 in  statement credits each year for U.S. wireless phone service providers, up to $189 in statement credits each year toward CLEAR® Plus membership (subject to auto-renewal) and up to a $200 airline incidentals credit each year at one select qualifying airline.

Capital One Venture X Business

The Capital One Venture X Business* is a charge card instead of a credit card , meaning there’s no preset spending limit but the balance on the card must be paid in full each month. This card also comes with a range of benefits that help make up for its $395 annual fee, including Priority Pass Select airport lounge membership, access to Capital One airport lounges and a fee credit toward Global Entry or TSA PreCheck membership .

The Capital One Venture X Business also earns flexible Capital One miles that can be redeemed for options like statement credits, gift cards, travel through Capital One Travel or transfers to Capital One airport and hotel partners.

Ink Business Preferred® Credit Card

The Ink Business Preferred® Credit Card is great for flexibility since it earns points in the Chase Ultimate Rewards program. These points can be used for cash back, gift cards, merchandise and other flexible options. But more importantly, cardholders get 25% more value for points when they redeem for travel through Chase Travel℠, and they can transfer points to Chase airline and hotel partners at a 1:1 ratio.

While the card charges a $95 annual fee, it comes with travel insurance benefits like primary auto rental collision damage waiver when renting a car for business purposes, trip cancellation and interruption insurance, and roadside dispatch.

Delta SkyMiles® Reserve Business American Express Card

The Delta SkyMiles® Reserve Business American Express Card comes with a $650 annual fee, yet its benefits make the fee well worth it for frequent Delta flyers. In addition to Amex Centurion lounge access, cardholders get  15% off award flights with TakeOff 15, and Delta Sky Club membership (Effective 2/1/2025, 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 2/1/2025, the total eligible purchases on the Card must equal $75,000 or more between 1/1/2024 and 12/31/2024, and each calendar year thereafter; retail value of $695).

Other perks include two Delta Sky Club passes for guests, Main Cabin 1 priority boarding, your first checked bag free, Global Entry or TSA PreCheck membership fee credit, trip cancellation and interruption insurance**, trip delay coverage** and a baggage insurance plan**.

Southwest® Rapid Rewards® Performance Business Credit Card

The Southwest® Rapid Rewards® Performance Business Credit Card is for serious Southwest flyers who want to rack up Southwest Rapid Rewards points while enjoying elite benefits. This card comes with 9,000 points after each cardmember anniversary, four upgraded boardings each year (when available), up to 365 in-flight wifi credits each year and a fee credit toward Global Entry, NEXUS or TSA PreCheck membership.

A $199 annual fee applies, but cardholders can also use this card to get a boost toward elite status with the airline. In fact, every $10,000 spent each calendar year on the card gives users 1,500 tier qualifying points toward A-list status.

United℠ Business Card

The United℠ Business Card makes the most sense for business owners who frequently fly with United Airlines or its Star Alliance partners. It has a $0 introductory annual fee for the first year, then $99 annual fee, and it earns lucrative United miles that can be used for flights around the world.

Cardholder perks include two United Club passes each year, a first checked bag free for the cardholder and a companion traveling on the same reservation, priority boarding, and 25% back on eligible in-flight purchases with the airline. The card also comes with a $100 United credit after cardmembers make at least seven United purchases of $100 or more within an anniversary year.

Some benefits are also offered for frequent flyers who want to pursue elite status with the airline. Specifically, cardholders earn 25 Premier Qualifying Points for every $500 spent on purchases, up to 1,000 PQP in a calendar year.

Marriott Bonvoy Business® American Express® Card

Business owners who frequently stay in Marriott properties should consider the Marriott Bonvoy Business® American Express® Card. This card offers more points on Marriott stays in addition to base points earned for being a loyalty program member. Plus, cardholders get a free night award each anniversary year (up to 35,000 points) and can earn another free night award after spending at least $60,000 on purchases within a calendar year.

A $125 annual fee applies, but cardholders get automatic Marriott Bonvoy Gold status and premium internet access when they stay with the brand. The card also comes with 15 elite night credits toward the next tier of elite status each year.

The Hilton Honors American Express Business Card

Business owners who spend a lot of time in Hilton properties throughout the year can earn a high rewards rate on those stays and other purchases with the Hilton Honors American Express Business Card.

Its welcome offer is on par with top-tier travel cards that typically charge a higher annual. Cardholders can also get up to $240 back each year for eligible purchases made directly with Hilton -- more than enough to cover the card’s $195 annual fee.

A business travel credit card is a type of business credit card or charge card that earns rewards for travel and comes with travel-related benefits. For example, cards in this niche frequently earn flexible rewards that can be redeemed for travel in more than one way. Some common perks include airport benefits like fee credits for Global Entry or TSA PreCheck membership or airport lounge access , as well as travel insurance benefits and annual travel credits.

Co-branded airline and hotel credit cards for businesses also tend to offer brand-specific perks. For example, these cards can come with free checked bags and priority boarding for flights with the airline or its alliance partners, a head start toward elite status and travel-related discounts.

Simplify overseas spending with a card that doesn’t charge foreign transaction fees

Earn points or miles for travel-related spending

Enjoy travel perks that can save time and money

Lack of rewards flexibility with co-branded credit cards

You’ll have to pay an annual fee to get the best travel cards

High interest rates

Before you settle on a business credit card for travel, compare them based on the following factors.

Make sure the cards you’re considering offer the type of rewards you want, whether you prefer flexible rewards points, airline miles or hotel points. Also, look at each card’s earning rate to ensure you’ll earn an optimal amount of rewards for how your business normally spends. If it won’t reward you for how you spend already, then you’re better off choosing another card.

Welcome offer

Consider each card’s welcome bonus and whether you can meet the minimum spending threshold to earn it with regular business purchases and bills. Many business credit cards for travel require high spending requirements ($10,000 or more within the span of a few months) to earn the welcome bonuses they offer. If you have to overspend to reach it, you’ll negate any value you’d get from the bonus.

Travel perks

Ask yourself which travel perks you could benefit from the most. This might be frequent flyer benefits if you fly for work all the time, or you might be better off with on-site hotel benefits if you spend weeks of each year in a hotel for business travel.

Other business credit cards for travel offer more general travel benefits like airport lounge access and membership fees for Global Entry, NEXUS, TSA PreCheck or CLEAR.

Using a business credit card for travel could be a lucrative move, but it could also create problems for you and become costly in the long run. These tips can help you maximize your card’s benefits.

• Take advantage of statement credit offers . Some business credit cards for travel come with statement credits for expedited airport security and airline incidentals. Keep track of the statement credits your card offers and make sure you use them to get more value from your card.
• Use your card in bonus categories to earn more rewards . Keep tabs on the bonus categories your card earns the most rewards in, then use your card for those regular purchases.
• Only charge purchases when you have the cash . No matter what you do, don’t use your business travel card as a short-term loan. If you need a business credit card because you plan to carry a balance, look at cards with a lower APR or business credit cards that offer 0% APR for a limited time.

Business travel credit cards let you earn rewards while enjoying travel-related benefits, but there are some alternatives to consider if you want to make the most of your business spending or you need to borrow money:

• Cash-back business credit cards : Some business credit cards offer cash back instead of travel rewards points, and they tend to come with no annual fee. Some business cards in this category even offer 0% APR on purchases for a limited time, which can be useful if you plan to carry a balance in the short term.
• Small business loan : If you need to borrow money and pay it off over several years, you’ll want to skip credit cards in favor of a small business loan instead. These loans tend to come with much lower interest rates than credit cards, although they don’t come with any perks or rewards.

Finding a business credit card for travel is only one part of the process, meaning you still have to apply and get approved. The following steps can help you get to the finish line.

• Compare card options: Pick a business credit card that offers the type of rewards and benefits you want, and aligns with how you already spend. Also, consider how an annual fee might fit into your travel budget.
• Gather important information: Make sure you know the total income of your household, your annual business income, your Social Security number and the Employer Identification Number for your business (if you have one).
• Apply for a credit card: Apply for the card you want online by filling out the application. You’ll need to share your home address and contact information, your SSN, your EIN (if you have one), the type of business you have, your full income and your business income.
• Get your card: You should hear back instantly with the credit card issuer’s decision, but it may reach out for clarification or more information. Once you’ve received your card, remember to always pay your bill on time.

The best business travel card is the American Express® Business Gold Card for its flexible rewards and good redemption options.

Yes. When you first apply, your personal credit will typically undergo a hard credit check. Also, if your issuer reports to both personal and business credit bureaus, activity on your business credit card could affect your personal credit.

CNET reviews credit cards  by exhaustively comparing them across set criteria developed for each major category, including cash-back, welcome bonus, travel rewards and balance transfer. We take into consideration the typical spending behavior of a range of consumer profiles -- with the understanding that everyone’s financial situation is different -- and the designated function of a card. 

*All information about the Capital One Venture X Business has been collected independently by CNET and has not been reviewed by the issuer.

**Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

For rates and fees of the American Express Business Gold Card,  click here .

For rates and fees of the Marriott Bonvoy Business Card, click here .

For rates and fees of the Business Platinum Card from American Express, click  here .

For rates and fees of the Hilton Honors American Express Business Card, click here .

For rates and fees of the Delta SkyMiles Reserve Business American Express Card, click here .

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

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Best Business Travel Credit Cards in 2024

Business travel cards not only offer rewards but come with perks such as higher credit limits, loyalty programs and detailed spending reports. We’ve listed the best options to help you find the right card for your needs.

Updated: March 21, 2024

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About Grace Pilling

Grace Pilling was the Senior Content Manager for Credit Cards at MoneyGeek. She previously led personal finance teams at Bankrate, CreditCards.com and MoneyUnder30.

Pilling has a bachelor's degree in English from Western Sydney University and a diploma in book editing, proofreading and publishing. She is focused on empowering readers to make informed financial choices that support their best lives, not a company’s bottom line.

Credit Cards | Buyer's Guide

9 Best Business Credit Cards for Travel in 2024

Updated March 29, 2024

Updated Mar 29, 2024

Published March 6, 2024

Published Mar 6, 2024

REVIEWED BY: Tricia Jones

WRITTEN BY: Nancy Fernandez

This article is part of a larger series on Best Small Business Credit Cards .

• 1 Quick Comparison
• 2 Chase Ink Business Preferred
• 3 American Express Business Platinum Card
• 4 Bank of America Business Advantage Travel Rewards World Mastercard
• 5 Capital One Spark Miles Select for Business
• 6 U.S. Bank Business Leverage Visa Signature Card
• 7 Delta SkyMiles Platinum Business American Express Card
• 8 Capital One Venture X Business
• 9 Hilton Honors American Express Business Card
• 10 Marriott Bonvoy Business American Express Card
• 11 Our Methodology
• 13 Bottom Line

When looking for the best business travel card, consider how often you travel, your usual destinations, and whether you prefer to earn miles, points, or cash back rewards. While there are cards with high annual fees, the best business credit cards for travel lack foreign transaction fees and offer premium travel benefits. Some even offer perks like free checked baggage, airport lounge access, and room upgrades.

Here are the top nine best business credit cards for travel:

• Chase Ink Business Preferred : Best overall business credit card for travel for high introductory bonus and credit limit
• American Express Business Platinum Card : Best for luxury international travel perks
• Bank of America Business Advantage Travel Rewards World Mastercard : Best for 0% annual percentage rate (APR) and not reporting to personal credit bureaus
• Capital One Spark Miles for Business : Best for earning unlimited rewards and complimentary access to airport lounges
• U.S. Bank Business Leverage® Visa Signature® Card : Best for generous travel rewards and pay over time
• Delta SkyMiles Platinum Business American Express Card : Best for frequent Delta Air Lines flyers
• Capital One Venture X Business : Best for lucrative welcome offer and flexible spend capacity
• Hilton Honors American Express Business Card : Best for stays at Hilton Hotels & Resorts worldwide
• Marriott Bonvoy Business® American Express Card : Best for stays at Marriott Properties worldwide

Overview of the Best Business Travel Credit Cards

Chase ink business preferred®: overall best business travel credit card with high introductory bonus & credit limit.

Ink Business Preferred® Credit Card

Maximizing travel rewards at a lower annual fee

Card Details

Pros & cons, additional features.

On Chase's Secure Website

• Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
• Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
• Member FDIC
• Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
• Comprehensive travel and purchase protection
• No foreign transaction fees
• No interest-free financing option on both purchases and balance transfers
• With annual fee
• Need to make extremely large purchases to qualify for the welcome offer
• Cellphone protection: Get up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees listed on your monthly cellphone bill
• Purchase protection: Can cover your new purchases for 120 days against damage or theft of up to $10,000 per claim and $50,000 per account
• Extended warranty protection: You can extend the period of the United States manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
• Fraud monitoring: Chase will help keep your accounts safe with account alerts―and you can choose how you’d like to receive them
• Free employee cards: You can create employee cards at no additional cost, and lets you set individual spending limits―helping you earn rewards even faster

Read Full Review

Who Should Consider the Chase Ink Business Preferred®

This is our overall best business credit card for travel given its lucrative welcome offer, premium points rewards, and 1:1 points transfer through the Chase Ultimate Rewards. The card does not offer a 0% introductory period, but it has a low annual fee and $0 foreign transaction fees. It’s no surprise that the card also made it to our lists of the best credit cards for new businesses with no credit history and top high-limit business credit cards .

• 5x points on Lyft rides until March 2025
• 3x points on the first $150,000 combined spend categories on the following: shipping; advertising purchases made with social media sites and search engines; internet, cable, and phone services; and travel
• 1x points on all other purchases

Other benefits:

• Receive 100,000 bonus points after spending $8,000 on purchases within the first 3 months from the date of account opening—valued at $1,000 cash back or $1,250 travel rewards when redeeming through Chase TravelSM
• Redeem earned points as a statement credit to your balance or as gift cards
• Utilize earned points to offset purchases made in Chase TravelSM (1:1 point transfer) and Apple® Ultimate Rewards Store
• Issue employee cards at no additional cost

Take note of the following considerations:

• It does not offer a 0% introductory period on purchases and balance transfers.
• It offers a few participating travel programs for the 1:1 points transfer.

American Express Business Platinum Card®: Best for Luxury International Travel Perks

The Business Platinum Card® from American Express

Gaining access to unrivaled travel rewards and luxury travel perks like airport lounge access

on The Business Platinum Card® from American Express's secure website.

• Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
• 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
• Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase 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.
• Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
• $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
• The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
• $695 Annual Fee.
• Terms Apply.
• Premium travel rewards
• Free access to more than 1,300 airport lounges worldwide
• Balance is due in full monthly
• High annual fee
• American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
• Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,300 lounges worldwide for you and two guests.
• Airport screening: Either a $100 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
• Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
• Rental status: Elite status at a number of car rental agencies.
• Free Wi-Fi: 10 annual free Gogo inflight Wi-Fi passes.
• Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 500,000 bonus points per calendar year.
• Dell statement credit: Up to $400 in statement credits annually for Dell purchases.

See Rates & Fees

See Rates and Fees

Who Should Consider the American Express Business Platinum Card®

If you want access to luxury travel perks, such as access to more than 1,400 airport lounges, rebates from notable brands, and upgraded status from two notable hotel properties, then this card is perfect for you. Its many benefits, high welcome offer, and points rewards make up for the high annual fee of $695 and are why this card is our top high-limit business credit card and leading business credit card with airport lounge access .

• 5x Membership Rewards® points on flights and prepaid hotels booked on amextravel.com
• United States construction material and hardware supplies
• US electronic goods retailers
• Software and cloud system providers
• US shipping
• 1.5x Membership Rewards® points on a single-receipt purchase worth at least $5,000
• 1x Membership Rewards® points on all other eligible purchases
• Receive 150,000 Membership Rewards® points after spending $20,000 on eligible purchases within the first three months from the date of account opening
• Up to $400 back (up to $200 semi-annually) on US purchases with Dell Technologies
• Up to $360 back (up to $90 quarterly) on purchases with Indeed
• Up to $150 back on selected auto-renewing annual business subscriptions with Adobe
• Up to $120 back per year on US wireless telephone service providers
• Have access to more than 1,400 airport lounges globally through The Global Lounge Collection®
• Marriott Bonvoy: Upgrade to Marriott Bonvoy® Gold Elite Status (without meeting any stay requirements)
• Hilton Honors™: Upgrade to Hilton Honors™ Gold Status (requires you to enroll to secure this)
• It lets you enjoy $0 foreign transaction fees.
• It requires you to pay your balances in full each month.

Bank of America® Business Advantage Travel Rewards World Mastercard®: Best for 0% APR & Not Reporting to Personal Credit Bureaus

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

Earning top rewards on travel purchases booked through Bank of America Travel Center

on Bank of America® Business Advantage Travel Rewards World Mastercard® credit card's secure website.

• Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
• Earn unlimited 1.5 points for every $1 spent, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
• No limit to the amount of points you can earn and points don't expire as long as your account remains open.
• No annual fee and no international transaction fees.
• Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
• 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
• Contactless Cards - The security of a chip card, with the convenience of a tap.
• This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
• Charges $0 annual and foreign transaction fees
• Offers fixed-rate cash back rewards
• Has no blackout dates
• Does not offer a 0% introductory period on balance transfers
• Requires excellent credit to qualify
• Bank of America doesn’t disclose details of its additional card features. To find out more about these additional features, review your guide to benefits when you receive your card in the mail.

Who Should Consider the Bank of America® Business Advantage Travel Rewards World Mastercard®

Those who need a 0% introductory period on purchases and have an existing Bank of America business checking account would want to look into this card. Not only can you enjoy $0 annual and foreign transaction fees, but you can also redeem earned rewards for statement credits, which can help offset your travel and dining purchases.

The card’s unique benefits, not reporting to personal credit bureaus, and charging $0 foreign transaction fees are why it’s our top business card with no foreign transaction fee and one of our best business cards that don’t report to personal credit .

• Unlimited 1.5x points for every dollar spent on all purchases, with no limit on the earned points
• Get 30,000 bonus points after spending at least $3,000 in purchases within the first 90 days from the date of account opening
• Secure up to additional 75% more points on every purchase through Bank of America’s Preferred for Business
• Enjoy a 0% introductory period on purchases for the first nine billing cycles
• It does not offer a 0% introductory period on balance transfers.
• Compared to other travel business credit cards on our list, its rewards are not as lucrative.

Capital One Spark Miles for Business: Best for Earning Unlimited Rewards and Complimentary Access to Airport Lounges

Unlimited 2x miles with every swipe

• Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months of account opening.
• Unlimited 2x miles on every purchase, with no blackouts or seat restrictions and no minimum miles to redeem
• 5x miles on hotels and rental cars booked through Capital One Travel
• Issue employee cards for free
• Welcome offer
• Offers fixed-rate miles rewards on all purchases
• Does not charge balance transfer and foreign transaction fees
• Does not have a 0% introductory period on purchases and balance transfers
• Charges an annual fee after the first year
• Airport security screening reimbursement: Either a $100 statement credit for Global Entry or an $85 statement credit for TSA PreCheck® once every four years.
• Payment flexibility: Capital One lets you choose your monthly due date, enabling your business to control when to pay.
• Capital One Lounge: Cardholders get two free visits per year to the Capital One Lounge, which offers luxurious amenities and fresh, local food and beverage options.

Who Should Consider the Capital One Spark Miles for Business

If you want a card that offers fixed-rate travel rewards, charges $0 balance transfer fees, and provides two complimentary visits per year to a Capital One Lounge or Plaza Premium Lounge, then this card is a great fit. It offers fixed miles rewards on all business purchases and a fixed regular APR. It also lets you choose your preferred due date, which is why it is our best business card for miles .

• 2x miles on all business-related purchases
• Secure a one-time bonus of 50,000 bonus miles after spending $4,500 on purchases within the first three months from the date of account opening
• Receive up to $100 credit for Global Entry or TSA PreCheck®
• Get two complimentary visits per year to Capital One Lounges or Plaza Premium Lounges
• It does not have a 0% introductory period on purchases and balance transfers.
• It charges an annual fee of $95 after the first year.

U.S. Bank Business Leverage® Visa Signature® Card: Best for Generous Travel Rewards & Pay Over Time

U.S. Bank Business Leverage® Visa Signature® Card

Expenses that shift from month to month

On US Bank's Secure Website

• Earn $750 in rewards when you spend $7,500 in eligible purchases on the account owners' card within the first 120 days of opening your account.
• Earn 2% back in the top two categories where you spend the most each month automatically.
• 1% cash per dollar spent on all other eligible purchases.
• Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
• No annual fee for the first year and $95 thereafter.
• No reward caps or limits on the total rewards your business can earn. Redeem for your choice of cash back, gift cards, merchandise and travel.
• Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
• Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
• Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
• Terms and conditions apply
• Personalized ongoing rewards
• Large welcome offer
• Unlimited points
• Requires excellent credit
• No introductory 0% annual percentage rate (APR)
• Rewards have expiration
• Extended warranty protection: The issuer will double an original manufacturer’s warranty up to an additional one year for warranties of three years or less. The coverage is limited to $10,000 per item.
• Purchase protection: Protection for items that are damaged or stolen within 90 days of purchase. Coverage is limited to $500 per claim and up to $50,000 per cardholder, per year.

Who Should Consider the U.S. Bank Business Leverage® Visa Signature® Card

Business owners who travel frequently and want to earn 2% cash back on their top two spend categories each month would want to look into this option. It lets you divide eligible purchases into equal monthly payments through U.S. Bank’s ExtendPay plan.

• 5% cash back on prepaid hotels and car rentals booked in the Travel Rewards Center
• 2% cash back in the top two categories where you spend the most monthly
• 1% cash back on all other purchases
• Receive $750 cash back after spending $7,500 in eligible purchases within the first 120 days from the date of account opening
• Earn cash back rewards without caps or limits
• It requires excellent credit standing to qualify.
• Its rewards expire five years from the end of the quarter in which they are earned.

Delta SkyMiles® Platinum Business American Express Card: Best for Frequent Delta Flyers

Delta SkyMiles® Platinum Business American Express Card

Frequent Delta flyers who want to access premium business Delta features

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

• Welcome Offer: Earn 65,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership.
• Enjoy a Companion Certificate each year after renewal of your Delta SkyMiles® Platinum Business American Express Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
• Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
• Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $20 of purchases with your Delta SkyMiles® Platinum Business American Express Card.
• Delta SkyMiles® Platinum Business American Express Card Members save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
• With the $120 Resy Credit, earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
• Earn up to $10 back each month after using your enrolled Delta SkyMiles® Platinum Business American Express Card for U.S. rideshare purchases with select providers.
• Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members. Ticket must be purchased on or after February 1, 2024 to be eligible to receive a complimentary upgrade.
• Receive Main Cabin 1 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
• Elevate your travel experience with an annual statement credit of up to $200 after using your Delta SkyMiles® Platinum Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
• Terms and limitations apply.
• In-flight savings
• Business management tools
• Charges an annual fee
• No interest-free financing period
• Balance transfers aren’t allowed
• Delta benefits: Receive your first checked bag for free and access priority boarding.
• Travel accident insurance: Provides card owners with travel accident insurance up to $100,000.
• Purchase protection: Provides coverage for purchases that are damaged or stolen up to 120 days from the date of purchase. Coverage is limited to $1,000 for an item and up to $50,000 for all claims for one year.

Who Should Consider the Delta SkyMiles® Platinum Business American Express Card

Frequent Delta flyers who want to earn premium miles rewards on Delta purchases may find this card a great option. On top of the miles rewards, you’ll be added to the Complimentary Upgrade list and save 15% when booking Award Travel with miles. The card also offers statement credits and a Medallion® Qualification Dollars (MQD) Boost. It’s no surprise that it is on our list of the leading business cards for miles .

• 3x miles for every eligible dollar spent on purchases made directly with Delta and hotels
• 1.5x miles for every eligible dollar spent on at least $5,000 single-receipt purchase on transit and US shipping and purchases (up to $100,000 per year)
• 1x miles on all other purchases
• Receive main cabin 1 priority boarding and first checked bag free
• Enjoy a Companion Certificate on main cabin domestic, Caribbean, or Central American roundtrip flights each year
• It charges $0 foreign transaction fees.

Capital One Venture X Business: Best for Lucrative Welcome Offer and Flexible Spend Capacity

Those who frequently travel

• Earn 150,000 bonus miles after spending $30,000 within the first three months of card ownership
• 10x miles on hotels and rental cars booked through Capital One Travel
• 5x miles on flights booked through Capital One Travel
• Unlimited 2x miles on every purchase
• With sign-up bonus
• Has premium rewards if you book your hotel stays and rental cars through Capital One Travel
• Flexible redemption options
• Requires you to pay your balances in full each month
• Charges $395 annual fee
• No preset spending limit : Able to adapt to your needs based on spending behavior, payment history, and credit profile
• Annual travel credit : Receive an annual $300 credit for bookings through Capital One Travel
• Priority Pass™ : Get a complimentary membership and enjoy unlimited free visits for you and up to 2 guests

Who Should Consider the Capital One Venture X Business

This pay-in-full card is great if you have significant travel spending as you can receive a lucrative welcome offer. It also offers a no preset spend limit, which can adapt to your business needs. These are why it’s one of our top-recommended limited liability company (LLC) credit cards .

• 2x miles for every dollar spent on all purchases
• Get up to 75,000 bonus miles after spending $4,000 in the first 3 months
• Secure a $300 annual travel credit after booking through Capital One Travel
• Receive a $100 credit for Global Entry or TSA PreCheck®
• It requires you to pay in full each month.
• It charges an annual fee of $395.

Hilton Honors American Express Business Card: Best for Stays at Hilton Hotels & Resorts Worldwide

The Hilton Honors American Express Business Card

Maximizing rewards on Hilton-related purchases

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

• Limited Time Offer: Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 6/5.
• Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
• ENHANCED: Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter.
• NEW: Enjoy up to $240 back each year for eligible purchases made directly with Hilton.
• Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors Gold status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay getting you to free nights faster.
• You may receive an upgrade to Hilton Honors Diamond status if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more.
• NEW: Enjoy complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentary Emerald Club® program is required. Terms apply.
• Terms apply.
• Charges a low annual fee
• Doesn’t have foreign transaction fees
• Offers a sign-up bonus
• Has poor redemption options outside of hotel stays
• Lacks an interest-free financing option
• Complimentary Priority Pass visits: Get 10 complimentary visits to more than 1,200 airport lounges every year with Priority Pass™ Select Membership.
• Upgrade to Diamond status: Earn an upgrade to Hilton Honors Diamond Status through the end of the next calendar year after spending $40,000 on eligible purchases.
• Baggage insurance plan: Coverage is provided for cardholders for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the covered carrier. For New York state residents, a $10,000 aggregate maximum limit is provided for all covered persons per covered trip.
• Extended warranty: Terms of the original manufacturer’s warranty can be extended up to one additional year. Applies to warranties of five years or less on covered purchases.

Who Should Consider the Hilton Honors American Express Business Card

If you stay at Hilton properties frequently, then this card is perfect as you can earn up to 12x points per dollar spent when making purchases at hotels and resorts included in the Hilton portfolio. It also has a low spending requirement to receive the lucrative welcome offer and charges $0 foreign transaction fees. This card made it to our list of the best business cards with no foreign transaction fee .

• 12x Hilton Honors bonus points per dollar spent for purchases made directly with hotels and resorts in the Hilton portfolio
• Receive 10 complimentary visits to over 1,200 airport lounges each year after enrolling in Priority Pass™ Select Membership
• It offers limited rewards outside of purchases made at Hilton properties.

Marriott Bonvoy® Business® American Express Card: Best for Stays at Marriott Properties Worldwide

Marriott Bonvoy Business® American Express® Card

Owners who choose to stay at Marriott Bonvoy hotels

on Marriott Bonvoy Business® American Express® Card's secure website.

• WELCOME OFFER: Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.
• Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
• 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
• 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
• 2x points on all other eligible purchases.
• Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Award can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
• Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Marriott Bonvoy Business® American Express® Card.
• Complimentary Marriott Bonvoy Gold Elite status
• Premium rewards points
• No introductory 0% APR
• Balance transfers aren't allowed
• Baggage insurance: Covers the loss of any checked or carry-on baggage in direct transit from a common carrier or terminal; coverage is limited to $1,250
• Purchase protection: Covers purchased items from theft or damage for the first 120 days from purchase; coverage is limited to $10,000 per claim and $50,000 per year
• Extended warranty protection: Offers up to an additional two years of warranty coverage on United States manufacturers’ warranties of five years or less
• Gold Elite status: Enjoy complimentary Marriott Bonvoy Gold Elite status with your Card

Who Should Consider the Marriott Bonvoy® Business® American Express Card

Those who stay at Marriott Bonvoy properties frequently and want to earn rewards will find this card ideal. Not only does it let you enjoy room rate discounts on eligible bookings, but it also offers a complimentary Marriott Bonvoy Gold Elite Status. It even lets you enjoy $0 foreign transaction fees, which is why it is one of our top business cards with no foreign transaction fee .

• 6x Marriott Bonvoy® points per dollar spent on eligible purchases at participating hotels in the Marriott Bonvoy® program
• 4x Marriott Bonvoy® points per dollar spent on restaurants, US gas stations, wireless telephone services, and US shipping purchases
• 2x Marriott Bonvoy® points per dollar spent on all other purchases

Other benefits: 

• Earn 3 Free Night Awards (valued up to 150,000 Marriott Bonvoy® points) after spending $6,000 in purchases within the first six months from the date of card membership
• Receive 15 Elite Night Credits each year
• Redeem points for flights and car rentals through the Marriott Bonvoy Air+Car Transfer Program
• It does not offer a 0% introductory period on purchases.
• It does not allow balance transfers.

How We Selected the Best Business Travel Credit Cards

We chose the best business credit cards for travel that offer growing rewards the more you use the card. We also considered the travel perks offered and, when available, highlighted any discounts or benefits that help you save money.

Here are a few things that you need to consider to narrow your choices down to the best fit for you and your business:

• Cost of travel: Review where you spend your money during business travel. Look at flights, hotels, ground transportation, dining, and miscellaneous expenses.
• Preferred rewards type: The type of rewards should be based on where most of your money goes during travel. If you’re loyal to a specific airline or hotel, a co-branded card may be the best choice. Cards that reward you with miles, points, or cash back that can be redeemed for a variety of expenses are a good choice if you do not want to limit your redemption to a specific airline or hotel.
• Relevant fees and interest rates: Consider annual fees, ongoing APRs, and other fees that may not be covered by the card, such as baggage fees, foreign transaction fees, or any other hidden costs.
• Perks and benefits: High annual fees are worth it if you take advantage of perks like lounge access, free hotel nights, free checked baggage, priority boarding, and bonuses if you meet a minimum spend requirement. If you think you may not use these perks, consider another travel credit card that offers zero to low annual fees but with fewer perks.

Frequently Asked Questions (FAQs)

Can i use rewards earned from a business travel credit card for my personal travel.

Yes, you can use the rewards earned from your business travel credit card to book a personal trip. Since credit card rewards typically are not taxable, you can use them for your personal travel without getting into trouble.

What are the benefits of getting a travel business credit card?

Aside from letting you earn rewards that can be used for travel, most travel business credit cards offer perks that can be used while traveling, such as $0 foreign transaction fees, free checked baggage, access to airport lounges, and travel insurance coverage. Make sure you know the perks that come with your travel business credit card so that you can take advantage of them.

Which is better—a cash back credit card or a card that offers travel rewards?

When choosing between a cash back business credit card and a card that offers travel points or miles, consider how often you will use your rewards for travel. Most cash back business credit cards offer flexible redemption options—you can use rewards as a statement credit or redeem them for gift cards, merchandise, or travel. This is ideal if you intend to use your rewards for a variety of options.

Meanwhile, travel points or miles are best for those who plan to use their rewards solely for travel. Some travel points offer enhanced value when redeemed for travel, and most miles can be transferred directly into a hotel or airline loyalty program.

Bottom Line

The best business travel credit card should suit your travel style and frequency of use. Choose one that offers complimentary travel services that you need so that you can save money.

About the Author

Nancy Fernandez

Nancy Fernandez is a credit card expert at Fit Small Business. Prior to joining FSB, Nancy spent almost four years as a research analyst, specializing in Consumer Insights and Behavior.

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Best business credit cards of April 2024

The best business credit cards offer generous earning rates, lucrative perks and additional features to affect both your bottom line and your operational efficiency. Selecting the right business card allows you to earn rewards while focusing on the day-to-day operations of your enterprise — whether you own a formal business with multiple employees, are just getting your company off the ground or simply do freelance work as a side gig.

Business credit cards allow you to separate business and personal spending. In addition, they allow you to access more rewards and unique perks that aren’t typically offered on personal credit cards. Consider where your business spends the most and what type of rewards you want to earn when selecting your business card — or cards.

Check out our curated selection and comprehensive guide on some of the best business cards from our partners below.

• The Business Platinum Card® from American Express : Best for travel perks
• Ink Business Preferred® Credit Card : Best for bonus earning
• Capital One Venture X Business : Best for businesses with high-spending
• Ink Business Cash® Credit Card : Best for office supplies
• Capital One Spark Cash Plus : Best for unlimited business cash back
• The Blue Business® Plus Credit Card from American Express : Best for no annual fee
• American Express® Business Gold Card : Best for flexible rewards earning
• Ink Business Unlimited® Credit Card : Best for freelancers
• Capital One Spark Miles for Business : Best for everyday business spending
• Alaska Airlines Visa® Business card : Best for businesses that fly Alaska Air regularly
• Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card : Best for BofA Preferred Rewards for Business members
• Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card : Best for customizable business cash back
• Southwest® Rapid Rewards® Performance Business Credit Card : Best for frequent Southwest Airlines flyers
• United℠ Business Card : Best for United Airlines flyers

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The Business Platinum Card® from American Express

The Business Platinum Card from American Express is a great card for frequent travelers looking to add a touch of luxury to their business trips. While the card does come with a high annual fee, you’re also getting a ton of valuable benefits in return. They include generous annual travel credits, unparalleled lounge access that includes Amex Centurion Lounges and more. Read our full review of the Business Platinum Card from American Express .

• Up to $100 statement credit for Global Entry every 4 years or $85 TSA PreCheck credit every 4.5 years (enrollment is required)
• Up to $400 annual statement credit for U.S. Dell purchases (enrollment required)
• Gold status at Marriott and Hilton hotels; access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
• Steep $695 annual fee.
• High spend needed for welcome offer.
• Limited high bonus categories outside of travel.
• Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
• 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
• Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase 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.
• Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
• $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
• The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
• $695 Annual Fee.
• Terms Apply.

Ink Business Preferred® Credit Card

The Ink Business Preferred Credit Card’s sign-up bonus is among the highest we’ve seen from Chase. Plus earn points across the four bonus categories (travel, shipping, advertising and telecommunication providers) that are most popular with businesses. The card comes with travel protections, shopping protections and will also have primary coverage when renting a car for business purposes for you and your employees. Read our full  review of the Ink Business Preferred Credit Card .

• One of the highest sign-up bonuses we’ve seen — 100,000 bonus points after $8,000 worth of spend in the first three months after card opening.
• Access to the Chase Ultimate Rewards portal for points redemption.
• Reasonable $95 annual fee.
• Bonus categories that are most relevant to business owners; primary car insurance.
• Perks including cellphone and purchase protection; extended warranty; trip cancellation/interruption insurance; trip delay reimbursement;.
• Yearly cap on bonus categories.
• No travel perks.
• Subject to Chase's 5/24 rule on card applications.
• Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
• Points are worth 25% more when you redeem for travel through Chase Travel℠
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
• Member FDIC

Capital One Venture X Business

The Capital One Venture X business card has all the Capital One Venture X Reward Credit Card has to offer and more. It offers an incredible welcome bonus and requires an equally impressive spend to qualify. In addition, the card comes with premium travel perks like annual travel credit and lounge access. Read our full review of the Capital One Venture X Business card .

• The Capital One Venture X Business card has a welcome offer of 150,000 miles.
• In addition, the card comes with many premium travel perks such as an annual $300 travel credit and airport lounge access, at a reasonable annual fee of $395.
• Business owners are also able to add employee cards for free.
• The card requires a high spend of $30,000 in the first three months to earn the 150,000-miles welcome bonus.
• Another drawback is that the annual travel credit can only be used on bookings made through Capital One Travel.
• Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
• This card has no preset spending limit, so you get purchasing power that adapts to your spending needs. The annual fee on this card is $395
• Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
• Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
• Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights booked through Capital One Travel, where you'll get the best prices on thousands of options
• Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings through Capital One Travel
• Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
• Skip the lines with up to a $100 statement credit on TSA PreCheck® or Global Entry. Then enjoy unlimited complimentary access to Capital One Lounges and a network of 1,300+ lounges worldwide, including Priority Pass™ and Plaza Premium Group lounges
• This is a pay-in-full card, so your balance is due in full every month
• Elevate your stay at luxury hotels and resorts from the Premier Collection with a $100 experience credit and other premium benefits on every booking

Ink Business Cash® Credit Card

The Chase Ink Business Cash is an excellent no annual fee card for small business owners. Cardholders can earn 5% cash back on office supplies and select utilities, as well as 2% cash back at restaurants and gas stations. Ink Business Cash cardholders also get automatic credit limit increase assessments every six months — and sometimes even sooner — to suit the needs of their growing enterprises. Read our full review of the Chase Ink Business Cash card . 

• Earn $350 after you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months from account opening.
• You’ll earn 5% at office supply stores and on common monthly bills such as internet, cable and phone services. Plus, you’ll earn 2% cash back at gas stations and restaurants each account anniversary year.
• 5% and 2% cash back earned on certain categories is capped at the first $25,000 you make in combined purchases each account anniversary year.
• Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
• Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
• Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
• 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
• 0% introductory APR for 12 months on purchases

Capital One Spark Cash Plus

The Capital One Spark Cash Plus is a business cash-back card that offers 2% on all purchases. If your business spends more than $7,500 annually and doesn’t want to keep up with multiple bonus categories, this is the perfect card for you.

• Unlimited 2% rewards rate on all purchases with no categories to keep up with
• No foreign transaction fees, making this a great card to bring on your travels abroad
• $150 annual fee may be pricey for small business owners
• Earn a one-time cash bonus of $1,200 once you spend $30,000 in the first 3 months
• Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
• Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
• Get your $150 annual fee refunded every year you spend at least $150,000
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
• Add employee cards for free, and earn unlimited 2% cash back from their purchases
• $150 annual fee
• Spark Cash Plus has no APR because your balance is due in full every month

The Blue Business® Plus Credit Card from American Express

The Blue Business Plus is a great card for small business owners who want to earn lucrative Membership Rewards points on everyday business spending. It was created specifically for sole proprietorships and start-ups with limited revenue who would appreciate a card with an introductory interest rate and expanded buying power. Read our full review of the Blue Business Plus Credit Card from American Express . 

• No annual fee.
• Earn Membership Rewards points; transfer points to 22 travel partners.
• 2x points capped at $50,000 a calendar year (then 1x)
• No higher bonus categories for business-related spending.
• Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
• 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
• Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
• You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
• *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
• Terms Apply

American Express® Business Gold Card

The Amex Business Gold card is a solid choice for high-spending small businesses with the flexibility to earn 4 points per dollar in the two categories where you spend the most. The card is ideal for businesses who value simplicity above all. Read our full review of the Amex Business Gold card .

• You'll earn 4 Membership Rewards points per dollar in the top 2 spending categories each month (on the first $150,000 in combined purchases each calendar year).
• Hefty $375 annual fee.
• There may be better options for small businesses who don't spend a lot.
• Welcome Offer: 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 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
• Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
• Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
• Get $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. $12.95 plus applicable taxes.
• Your Card – Your Choice. Choose from Gold or Rose Gold.
• *Terms Apply
• See Rates & Fees

Ink Business Unlimited® Credit Card

The Ink Business Unlimited' sign-up gives you a generous $750 cash back spending $6,000 on purchases in the first 3 months from account opening plus unlimited 1.5% cash back on every business purchase. It fills in rewards gaps not covered by the Ink Business Cash® Credit Card and the Ink Business Preferred® Credit Card. You can maximize this card by pairing it with cards including the Chase Sapphire Reserve®, the Chase Sapphire Preferred® Card and the Ink Business Preferred. Read our full review of the Ink Business Unlimited Credit Card .

• Earn $750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening.
• No Annual Fee.
• Primary insurance for car rentals.
• No conversion to Chase points without holding the Chase Sapphire Reserve, Chase Sapphire Preferred or Ink Business Preferred.
• Higher spend to receive sign-up bonus.
• No travel protections.
• Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
• Earn unlimited 1.5% cash back on every purchase made for your business
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
• Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.

Capital One Spark Miles for Business

The Capital One Spark Miles for Business offers a simple way to earn rewards on every business purchase, no matter the category. Those miles can then be easily redeemed for travel purchases or by transferring to partners. Read our full review of the Capital One Spark Miles for Business.

• You’ll earn 2 miles per dollar on every purchase, which means you don’t have to juggle different bonus categories.
• Employee cards are free and also earn 2 miles per dollar on all spending.
• It’s an affordable card that only charges $95 in annual fees, and that fee is $0 the first year.
• The sign-up bonus is only worth $925 according to TPG valuations (not provided by the issuer), which falls short against some of the top business travel cards.
• The card comes with minimal perks if you’re wanting additional benefits for when you travel.
• Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
• Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
• Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
• Transfer your miles to 15+ travel loyalty programs
• Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
• Skip the lines with up to a $100 statement credit on TSA PreCheck® or Global Entry
• $0 intro annual fee for the first year; $95 after that
• Free employee cards which also earn unlimited 2X miles from their purchases

Alaska Airlines Visa® Business card

For small business owners in the Pacific Northwest, this card definitely packs a punch. You can jump start your earning with a good sign-up bonus and the famous companion fare offer, and Alaska Airlines has some good airline transfer partners if you need to go another route. Read our full review of the Alaska Airlines Visa Business card .

• Get Alaska's Famous Companion Fare each year card is renewed (after meeting spend requirement)
• Free checked bag
• 20% back on inflight food, beverage and Wi-Fi purchases when you pay with your card
• Only earns 1-2 miles per dollar for all purchases outside of Alaska Airlines purchases
• Get 50,000 bonus miles and Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) after you make $3,000 or more in purchases within the first 90 days of opening your account.
• Earn another Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) each account anniversary after spending $6,000 or more on purchases within the prior anniversary year.
• Free checked bag for any cardholder and up to 6 guests on the same reservation when you pay for your flight with your card - that's a savings of $60 per person roundtrip!
• Priority Boarding for any cardholder when paying for the flight with an Alaska Airlines Business card.
• Earn 3 miles for every $1 spent on eligible Alaska Airlines purchases, 2 miles for every $1 spent on eligible gas, EV charging station, shipping and local transit (including rideshare) purchases and 1 mile for every $1 spent on all other purchases.
• Earn a 10% rewards bonus on all miles earned from card purchases if your company has an eligible Bank of America® small business account.
• Enjoy 20% back on Alaska Airlines inflight purchases when you pay with your new card.
• Get $100 off an annual Alaska Lounge+ Membership purchased with your Alaska Airlines Business card.
• Plus, no international transaction fees and a low annual fee of $70 for the company and $25 per card.
• This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

The Bank of America Business Advantage Unlimited Cash Back offers phenomenal returns on all purchases, with a 1.5% earning rate that could potentially climb to 1.875-2.62x for existing Bank of America customers who participate in the Preferred Rewards for Business program. Read our full  review of the Bank of America Business Advantage Unlimited Cash Rewards Mastercard credit card .

• Unlimited 1.5% earning rate on all eligible purchases, no matter the category.
• Bank of America Preferred Rewards for Business members could have access to even more earning potential.
• There’s a 3% foreign transaction fee, so you want to avoid using this card on your international travels.
• Redemption options are limited to cash back rewards.
• Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
• Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
• No annual cap and cash rewards don’t expire as long as your account remains open.
• Choose how to redeem your cash rewards – as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
• 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
• Contactless Cards - The security of a chip card, with the convenience of a tap.

Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card

The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card offers small businesses a way to mold their rewards structure to fit changing business needs. If you qualify for the Bank of America Preferred Rewards for Business program, this no-annual-fee card has the potential to easily earn you thousands of dollars in cash back each year. Read our full review of the Bank of America Business Advantage Customized Cash card.

• Flexible earning structure (3% cash back in the category of your choice and 2% on dining; up to $50,000 in combined purchases per year (then 1%)
• No annual fee or expiration on rewards.
• $300 online cash rewards bonus after you make at least $3,000 in purchases in the first 90 days of account opening.
• Only one category can be chosen for the 3% rewards rate each month.
• 3% foreign transaction fee.
• Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
• You'll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
• You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for Preferred Rewards for Business Platinum Honors tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
• Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire as long as your account remains open.
• To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.

Southwest® Rapid Rewards® Performance Business Credit Card

The Southwest Rapid Rewards Performance Business card is ideal for business travelers and loyal Southwest flyers interested in hitting A-List status or earning a Companion Pass. Read our full review of the Southwest Rapid Rewards Performance Business Credit Card . 

• 9,000 points on each cardmember anniversary
• Global Entry/TSA PreCheck/Nexus credit (up to $100)
• 4 upgraded boardings a year
• $199 annual fee means only those loyal to Southwest will truly benefit
• Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
• 9,000 bonus points after your Cardmember anniversary.
• Earn 4X pts on Southwest® purchases.
• Earn 3X points on Rapid Rewards® hotel and car rental partners.
• Earn 2X points on rideshare.
• Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.
• 4 Upgraded Boardings per year when available.

United℠ Business Card

The United Business Card offers a plethora of travel benefits that will benefit business owners who prefer to fly United — all for a reasonable annual fee. Read our full review of the United Business Card . 

• Earns 2 miles per $1 spent in a variety of categories, including United purchases, dining (including eligible delivery services), gas, office supplies and more
• Get a $100 United travel credit after qualifying purchases each year
• If you have a personal United card, too, you can earn 5,000 bonus miles each year
• Open employee cards at no additional cost
• Redemption options are mostly limited to United and its partners
• Other United cards have higher earning rates on some purchases
• You might get more use from transferable points instead of United miles
• Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
• $0 introductory annual fee for the first year, then $99.
• Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
• Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
• Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
• Enjoy a free first checked bag - a savings of up to $140 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
• $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.

While its $695 annual fee (see rates and fees ) may appear jarring at first, the Business Platinum Amex offers unmatched benefits, including lounge access, plus other value-added perks that can easily offset the card’s annual fee each year. Not to mention, it has an earning structure that can add up quickly for those who travel frequently. If you want to be rewarded for travel spending with American Express Travel and want extra comfort on your trips, this card provides both. New applicants can earn 150,000 bonus points after spending $20,000 on eligible purchases in the first three months of card membership.

You don’t have to be a high spender to find value in this card. It’s well suited for those who travel frequently, will enjoy airport lounge access , will benefit from automatic elite status with Marriott and Hilton (enrollment required) and can maximize the card’s various statement credits. Plus, the card’s return on spending for travel purchases is very strong — as is the return in select business categories and purchases totaling more than $5,000. You’ll also enjoy a 35% points rebate on eligible flights booked with Amex Travel on up to 1 million points back per calendar year.

“I find that the annual perks and credits vastly outweigh the large annual fee. And that's even without using some of them. By using the benefits with Priority Pass and Amex lounges, the airline incidental credits, plus the statement credits for Clear, our cellphone plan and restocking my home printer with ink and paper from Dell, I get more value out of the card than it costs to keep it. Plus, it earns my favorite points — American Express Membership Enrollment is required for select benefits. Rewards — earning 5 points per dollar spent on flights and hotels booked with Amex Travel.” — Ryan Smith , former credit cards writer

If you have a business banking relationship with Capital One, consider the Capital One Venture X Business card. It comes with a lower annual fee (see rates and fees ) and access to Priority Pass lounges and Capital One Lounges. Additionally, it earns at least 2 Capital One miles per dollar spent on all purchases.

With just a $95 annual fee, you’ll unlock several valuable perks on the Ink Business Preferred . These include a strong earning structure, valuable insurance benefits and access to Chase’s full range of airline and hotel transfer partners, such as World of Hyatt and United Airlines MileagePlus. Using these partners is the key to getting huge value from your Chase Ultimate Rewards points. Additionally, you can earn a welcome bonus of 100,000 bonus points after spending $15,000 on purchases within three months from account opening.

Small business owners who spend heavily on travel, shipping, advertising or internet, cable and phone services will benefit from earning 3 points per dollar spent on these purchases (on up to $150,000 of purchases per account year, then 1 point per dollar). Plus, they can take advantage of the card’s primary rental car insurance, excellent  purchase protection , extended warranty and  cellphone protection  (when you pay your monthly bill with your card) — valuable benefits if something goes wrong.

“I originally signed up for the Ink Business Preferred primarily for its sign-up bonus. But, over the last year, I’ve found myself making it my go-to card when booking travel. After all, the Ink Business Preferred earns 3 points per dollar spent on travel and provides excellent travel protections, including trip delay protection and rental car insurance.”  —  Katie Genter , senior writer

Consider the  Capital One Spark Miles for Business , which has a $0 introductory annual fee the first year, then $95 (see  rates and fees ). It earns 5 miles per dollar spent on hotel and rental car reservations made with Capital One Travel and unlimited 2 miles per dollar spent on other purchases. You’ll also enjoy reimbursement for your Global Entry or TSA PreCheck application fee — a benefit worth up to $100 once every four years.

The Capital One Venture X Business credit card features a $395 annual fee (see rates and fees ) that more than pays for itself when you account for the considerable rewards and perks that come with the card. We love that the Venture X Business card earns an unlimited 2 miles per dollar spent on every purchase when you book via Capital One Travel. We especially love the generous earning structure that gives you 5 miles per dollar spent on flights and the whopping 10 miles per dollar spent on hotels and rental cars (when booked through Capital One Travel).

Fans of Capital One who frequently book travel via the Capital One portal and want a card the offers no foreign transaction fees.

In addition to a solid earning structure, the Venture X Business card provides you with a $300 annual credit for bookings made through Capital One Travel in addition to 10,000 bonus miles every year on your account anniversary — starting with your first anniversary.

The Capital One Venture Rewards Credit Card is a great option for those who want to take advantage of a solid earning structure that provides them with easy to redeem miles. The Venture Rewards card earns an unlimited 2 miles per dollar spent on every purchase plus an unlimited 5 miles per dollar on hotels and rental cars booked through Capital One Travel. You get similar benefits that come with the more premium Capital One Venture cards with a smaller annual fee of $95 (see rates and fees ).

No card can match the Ink Business Cash for earning on office supplies. You’ll love accruing 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year, plus 2% back on the first $25,000 in combined purchases at gas stations and restaurants each account anniversary year. New applicants can earn up to $750 back: $350 when you spend $3,000 on purchases in the first three months and an additional $400 after spending $6,000 on purchases within six months of account opening. However, you can turn your cash back into Chase Ultimate Rewards points if you have other eligible Chase credit cards, such as the Chase Sapphire Preferred® Card.

This is an ideal card for business owners whose primary expenses are at office supply stores, telecommunications providers, gas stations or restaurants thanks to those bonus categories. You can earn handsomely in these categories without paying an annual fee to keep the card in your wallet.

“I love this card for awarding 5% back on my telecommunication services and office supply purchases, all with no annual fee. But my favorite perk is taking those cash-back rewards and combining them with my earnings from the Chase Sapphire Reserve. This means I’m effectively earning 5 fully-transferable Ultimate Rewards points for every dollar I spend in these categories — which I then can transfer to valuable partners like World of Hyatt and Air Canada Aeroplan.” — Nick Ewen , director of content

If your expenses are spread across many categories, you may prefer a card that earns a flat rate on all purchases. Consider The Blue Business® Plus Credit Card from American Express , which earns 2  American Express Membership Rewards points per dollar spent on all purchases (on up to $50,000 of purchases annually, then 1 point per dollar) and has no annual fee (see rates and fees ).

We love earning 2% cash back on all purchases with the Spark Cash Plus, meaning there are no bonus categories to track or complex transfer partners to understand when it’s time to redeem your rewards. Plus, the card has two user-friendly elements: Rewards don’t expire as long as your account is open, and you can redeem your cash back in any increment, starting from just a cent. The annual fee is a reasonable $150 (see rates and fees ).

Business owners whose spending habits fluctuate will love the fact that this card has no preset spending limits. It adapts to you, which can be great when you need to spend more around busy periods or to restock inventory. If you can pay your bill in full each month (which is required on this card), you’ll love this spending flexibility.

High-spending businesses can take home a ton of cash-back without worrying about complicated travel rewards.

If you’d prefer to earn transferable rewards points or get higher earnings in your most common spending categories, the American Express® Business Gold Card might fit well in your wallet. You’ll earn 4 points per dollar (an 8% return on spending based on TPG’s valuations ) in your top two spending categories each month on up to $150,000 of these purchases annually, then 1 point per dollar.

The Blue Business Plus Card from American Express offers a solid earning rate of 2 Membership Rewards points per dollar spent on the first $50,000 in purchases each calendar year, then 1 point per dollar. If your small business spends less than $50,000 each year in purchases, the Blue Business Plus can be a good no-annual-fee option (see rates and fees ) that provides an effective 4% return on spending, based on TPG’s valuations of Amex points. For those with spending that falls outside other cards’ bonus categories, this is an excellent option.

Freelancers, those with a side hustle, newcomers to points and miles and those with varying expenses will love this card and the fact that it doesn’t require tracking any bonus categories to maximize earnings . Instead, its flat earning rate provides value on all purchases without an annual fee required to unlock its full potential.

“ There are very few no-annual-fee cards that award fully transferable points, but the Amex Blue Business Plus is one of them. Not only that, but you'll earn 2 Membership Rewards points for every dollar you spend (on up to $50,000 each year). That's a fantastic return of 4% back based on TPG's valuations, making this a great option for your small-business needs.” — Nick Ewen , director of content

If you want a card without an annual fee that doesn’t have the earning limits of the Blue Business Plus, look at the Ink Business Unlimited® Credit Card . You’ll earn 1.5% back on all purchases (and can convert these into transferable Chase Ultimate Rewards points if you have other eligible Chase credit cards like the Chase Sapphire Preferred® Card). Doing so would yield a 3% return on all spending based on TPG’s valuations.

There are few perks more rewarding than earning a large number of points automatically — but that’s just the attraction of the Amex Business Gold. You’ll earn 4  Membership Rewards points per dollar in your top two spending categories monthly (on up to $150,000 of these purchases annually, then 1 point per dollar). Categories include popular business expenses like U.S. restaurants, U.S. advertising in select media and U.S. computer software, to name a few. Plus, you can add up to 99 employee cards, paying just a $95 annual fee for the first five cards, and then a $95 annual fee for each card after (see rates and fees ). The card currently has a welcome bonus of 70,000 bonus points after spending $10,000 on purchases in the first three months of card membership.

Business owners who spend in the card’s bonus categories will love its up-to-8% return (based on TPG’s valuations ). Bonus categories where you can earn up to 4 points per dollar include transit purchases; U.S. purchases for online, TV and radio advertising; monthly wireless phone service charges made directly from U.S. service providers; U.S. purchases at gas stations; U.S. purchases at restaurants; and U.S. purchases from electronic goods retailers and cloud system providers. You’ll also enjoy perks like Amex Offers . 

“ No other card provides the earning potential and adaptability this card has. Sure, its annual fee isn’t cheap, but I love the fact that I don’t need to think about what purchases I put on this card. It will automatically adapt and provide 4 points per dollar in my top two spending categories monthly (up to $150,000 of these purchases yearly).” — Ryan Smith , former credit cards writer

If you’re looking for a lower annual fee or a card that earns bonus points on more purchase categories (not just your top two per month), consider the Ink Business Preferred® Credit Card . You’ll earn 3 Chase Ultimate Rewards points per dollar spent on travel, shipping, select advertising purchases and internet, cable and phone services (on up to $150,000 in annual purchases, then 1 point per dollar). Its annual fee is just $95.

If you’re looking for ease of earning on all your purchases — or a card that earns well on purchases that don’t fall into bonus categories with other credit cards — the Ink Unlimited card is a clear winner. Freelancers and independent contractors love the ability to earn 1.5% back on all purchases, pay no annual fee and even combine the points they earn with Chase Ultimate Rewards from other eligible Chase credit cards like the Chase Sapphire Preferred® Card. Plus, there are no earning limits on this card.

There are two types of business owners who will benefit from this card. The first is the person looking for a card with a lucrative earning structure but no annual fee. The second is someone who needs a card for those “other” expenses that fall outside the bonus categories offered by other rewards cards in their wallet. This is an ideal card for everyday business expenses.

“I have the Chase Ink Business trilogy — the Ink Business Cash Credit Card, Ink Business Preferred Credit Card and Ink Business Unlimited Credit Card. The first two cards maximize my points-earning on things like office supply, internet and phone purchases, while the Ink Unlimited covers everything else with a flat 1.5% earn rate. The fact that I have the Ink Preferred means I can convert my cash back from the Ink Unlimited into more valuable Chase Ultimate Rewards points. This no-annual-fee card will stay in my wallet for years to come.” — Matt Moffitt , senior credit cards editor

If you’re looking for a card that rewards you based on your banking relationship, the Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card earns 1.5% back on all purchases. Those with banking and investment accounts at Bank of America can bump their earning rate up to 2.625% on all purchases thanks to Bank of America Preferred Rewards for Business .

The Capital One Spark Miles for Business card has an intro offer of 50,000 miles after spending $4,500 in the first three months from account opening. Based on TPG’s valuations , this bonus is worth $925. You can transfer Capital One miles to 15+ airline and hotel transfer partners, including Air Canada Aeroplan and Wyndham Rewards, and you’ll earn at least 2 miles per dollar spent on all purchases. Plus, the card has an introductory annual fee of $0 the first year, then $95 (see rates and fees ).

Business owners who want to earn a transferable currency will love Capital One miles, which have grown in value and redemption options over the past few years. You’ll also enjoy a  Global Entry or TSA PreCheck application fee credit (up to $100) and the flexibility to use your miles to cover travel expenses at a fixed value of 1 cent apiece. If you’re looking for a card that earns valuable miles without needing to track bonus categories, this is it.

You’ll earn transferable points on every purchase without worrying about bonus categories, all for a low annual fee.

The Ink Business Preferred® Credit Card has the same $95 annual fee but earns Chase Ultimate Rewards points instead of Capital One miles. You’ll earn 3 points per dollar spent on travel, shipping, select advertising purchases and internet, cable and phone services (on up to $150,000 in annual purchases, then 1 point per dollar); you’ll earn 1 point per dollar on other purchases.

The Alaska Airlines Visa Business card offers great airline-specific perks like priority boarding, a $100 annual Alaska Lounge+ credit, elevated earnings on Alaska Airlines flight purchases and more. In addition, the card is currently offering 50,000 bonus miles plus Alaska’s Famous Companion Fare™ ($99 fare plus taxes and fees from $23) when new cardholders make purchases totaling $3,000 or more within the first 90 days of opening their account.

Businesses who frequently fly Alaska Airlines could benefit from the packed airline-specific perks on this card. Flyers will enjoy priority boarding, a free checked bag and earn 3 points per dollar spent on Alaska Airlines flights.

"I opened the Alaska Airlines Visa Business card when it was offering an elevated welcome bonus, but I keep it to earn 2 miles per dollar on gas and for the annual Companion Fare I get after spending $6,000 in a year. And because I have a Bank of America checking account, I get a 10% bonus on all the miles I earn using the card." — Nick Ewen , director of content

If your business frequently travels but is not an Alaska Airlines loyalist, consider the Ink Business Preferred® Credit Card . The Ink Business Preferred earns 3 points per dollar on the first $150,000 spent on travel and other business categories each year. The card is also currently offering an incredible 100,000-point sign-up bonus after you spend $8,000 on purchases in the first 3 months from account opening. The card does not offer many airline-specific perks but allows you greater flexibility when it comes to bonus earning and redemption options.

This card has few travel perks but no annual fee, so it can be worthwhile for business owners looking to earn cash back easily. The Bank of America Business Advantage Unlimited Cash offers a terrific 1.5% earning rate on all purchases, but Bank of America Preferred Rewards for Business customers can earn even higher rates — from 1.875% to 2.625%, depending on their tier within the program.

Business owners who can qualify for Preferred Rewards status should consider this card thanks to its accelerated earning rates that are based on your banking and investment accounts. Additionally, this card is a solid option for business owners looking for a quality cash-back rate on a card without an annual fee and without annual earning limits.

For no annual fee, earning up to 2.625% back on your business expenses is a solid return.

Consider the Ink Business Unlimited® Credit Card if you don’t have qualifying accounts with Bank of America or prefer to earn points in the Chase Ultimate Rewards ecosystem. The Ink Unlimited earns 1.5% back on all purchases, but you can redeem these as transferable Ultimate Rewards points if you have other eligible Chase credit cards, such as the Chase Sapphire Preferred Card.

With the Bank of America Business Advantage Customized Cash, you can maximize your ever-changing business purchases with up to 3% cash back. You can choose your top spending category monthly for 3% earnings, plus receive 2% on dining purchases (for the first $50,000 spent in combined category and dining purchases per year, then 1% back). If you have qualifying accounts for the Bank of America Preferred Rewards for Business program , you could boost your earning rate to 5.25% back in your chosen category — impressive earnings for a card with no annual fee.

Two types of business owners should consider this card. First, it works well for those who can maximize the 3% categories — which include gas and EV charging stations, office supply stores, travel, TV/telecom and wireless, computer services and business consulting services — and are looking for a card without an annual fee. Second, those who can qualify for Preferred Rewards tiers will love the accelerated earnings rates that far outpace earnings on other cards without annual fees.

Picking your top spending category each month allows you to maximize rewards, even when your purchases vary across the year.

Those who need different bonus categories or who won’t qualify for Preferred Rewards should consider the Ink Business Cash® Credit Card . It has no annual fee and earns 5% back on the first $25,000 of purchases at office supply stores and on internet, cable and phone services each cardmember year. You’ll also earn 2% back on the first $25,000 of combined purchases at gas stations and restaurants each cardmember year and 1% back on other purchases.

The Southwest Performance Business credit card is ideal for Southwest fans, as it’s packed with perks that will make business trips on the airline more comfortable than ever, especially for those who don’t yet have A-List or A-List Preferred status. You’ll earn extra points in popular business categories, enjoy four priority boarding positions each year, receive up to 365 inflight Wi-Fi credits annually and have the ability to accelerate your path to the Southwest Airlines Companion Pass .

Business owners who can both take advantage of those day-of-travel perks and maximize this card’s earning structure. It accrues 4 points per dollar spent on Southwest purchases; 3 points per dollar spent on Rapid Rewards hotel and car rental partner purchases; 2 points per dollar spent on social media and search engine advertising, internet, cable, phone services, local transit and commuting; and 1 point per dollar spent on other eligible purchases.

“It made sense for me to get this as my first Southwest card given that I live in Austin, where almost 40% of flights are operated by Southwest. I get the most value out of this card by taking advantage of the upgraded boardings, inflight Wi-Fi credits and 9,000 anniversary bonus points, which help offset the significant annual fee.” — Matt Moffitt , senior credit cards editor

If you only fly Southwest a handful of times per year or want a lower annual fee, you should consider the Southwest® Rapid Rewards® Premier Business Credit Card instead. You'll enjoy a 25% discount on inflight drinks and Wi-Fi purchases, have the chance to spend your way toward A-List status, get a shortcut toward the Companion Pass and receive two EarlyBird check-ins each year.

The United Business Card is an affordable option for business travelers who tend to fly with United and its partners. This is a great card to pair with your personal United credit card, too, because it will not only help you keep personal and business expenses separate, but you’ll also receive 5,000 bonus miles each year on your United Business Card account anniversary for carrying both cards. Plus, you can spend your way toward United elite status and gain access to expanded award availability when it comes time to redeem those MileagePlus miles.

Those who want elite-like benefits with United — such as priority boarding and free checked bags — but aren’t willing to shell out for premium cards with lounge access will love this card. Its earning rates, perks and moderate annual fee ($0 introductory annual fee for the first year, then $99) are a powerful combination for those who fly United a few times a year.

“As a frequent United traveler, I actually have a couple of United credit cards that unlock different perks and benefits. While I initially got the United Business Card for the bonus and to keep business expenses separate, I keep it for the discount on inflight purchases, the 5,000 annual mile bonus for having both a business and personal United card and the $100 statement credit for charging at least seven annual United flights to the card.” — Summer Hull , director of content

If you’re looking for points you can use with United and in other ways, see if the Ink Business Preferred® Credit Card is a better fit for your wallet. For a $95 annual fee, this card earns Chase Ultimate Rewards points that you can transfer to more than a dozen airline and hotel partners, including United, though you do miss out on the airline-specific perks.

Use it as often as possible

The more you use your card, the more points and rewards you’ll earn. It can be strange to switch up spending habits but try to switch to using your business credit card as your go-to option rather than cash, debit, bank transfers, or other payment methods.

Use it for all business expenses and pay it off every month

You can maximize your business credit cards by charging all business purchases to your credit card. This is a great way to keep your business expenses separate from personal expenses as well as maximize the return on your spending. Most credit cards geared toward small businesses offer at least 1% cash back or 1 point per dollar spent. The right credit card for your business will likely offer even higher returns. By putting all of your expenses on a business credit card, you will earn more rewards! 

But this does not mean you should spend money you wouldn’t have otherwise spent. Charging everything on your business credit card is a means to earn rewards on spending that would’ve occurred anyways. 

Finally, be sure to pay off your balance in full every month to avoid interest and fees that could cancel out any rewards you earn.

Consider multiple cards for different expenses

If you’re a small business, it is likely that your spending is not concentrated on one category. Luckily, many business cards offer various bonus categories. In order to receive the most return on your spending, consider having multiple cards that earn an elevated return on your business’s various main spending categories. Then, cover your bases with a solid flat-rate card for every purchase you make that doesn’t fall into an eligible category.

However, if that’s too much for you to manage, aim for that sweet spot of a card with a lucrative rewards structure and affordable annual fee.

• Awards vs cash calculator Compare the cost in points or miles to cash.
• CardMatch™ Get prequalified offers in less than 60 seconds.

Many travelers are familiar with personal credit cards, but business credit cards are an entirely different segment of the market. These products are generally geared toward those who run small businesses , and as such, they frequently include perks that are valuable to a business owner — including features like no preset spending limit, bonus rewards on shipping or technology purchases, and even statement credits toward software purchases.

Note that you don’t necessarily need a formal business to apply (and get approved) for a business credit card. Many freelancers or sole proprietors can use a business card to separate business-related expenses from their personal ones.

Types of business credit cards

Having a business credit card is important for both small businesses and larger corporations. The primary difference between a small business card and a corporate business card is who is liable for the debt and fees.

Small Business

Small businesses hold the primary cardholder liable for debts and fees and the primary cardholder earns the rewards for small business cards.

Corporate cards hold the company liable for debts and fees and the company generally keeps the rewards for corporate cards.

How to apply for a business credit card

If you own a small business or just do freelance gigs , you could be eligible for a business credit card. You don’t necessarily need a tax ID or an Employer Identification Number (EIN) to qualify for a business credit card ; if you’re a sole proprietor with a small business or side gig, you can usually enter your Social Security number (SSN) instead.

How do Business cards work?

When you’re approved for a business credit card, your company is essentially taking out a loan with the issuing bank. You can then use the card to make purchases, but you need to pay off the loan according to the terms. And each time you swipe it, you’re earning rewards that can be used in a variety of ways — including reinvesting them right back into your business.

Information you’ll need to provide

When filling out an application form for a business credit card, there are some extra pieces of information required in addition to what you might provide for a personal credit card application.

This is likely to include:

The name of your business

When you start your application, you might not be sure what name to put on a business card application . If you’re the sole owner of your small business, you might not even have a designated name for it. If this is the case, don’t worry, you’re allowed to use your own name instead.

Contact information

Similarly, if you don’t have a separate business contact number and mailing address, you can also use your own here too.

A Taxpayer Identification Number

There are two numbers you could use for this, depending on how your business is set up. If you’re the sole business owner, you can use your Social Security number. Or, in the instance that you employ staff or have a more formal business structure, then you should use your business’s Employer Identification Number . You can easily get an EIN on the IRS website .

Your industry

It’s up to you how you want to describe your business; you can either use more rigid categories like travel, food and drink, or retail, or you can describe the exact service you provide should your business type not fall into those categories.

How long you’ve been in business

This one’s pretty self-explanatory.

Revenue and expenses

This is the part where you enter how much money your business makes and how much your outgoings were to run your business.

What you do not need

A specific business type.

Whether you have a structured company, LLC or partnership, or you operate without a formal or legal business structure, you’re still perfectly eligible to apply.

Business credit history

In most cases, your small business credit card would be guaranteed by you personally and not the business itself. This means that you won’t be required to include an existing credit history for your business.

Check out the following guides to applying for small-business cards for issuer-specific strategies:

• How to fill out an Amex business card application
• How to complete a Chase business credit card application
• How to complete a Capital One business credit card application

Related: 5 ways you might be eligible for a business credit card without realizing it

• 1 Sign-up bonus Find a card that your business can readily meet the minimum spend for its sign-up bonus. A welcome bonus plays a large part in a card’s value as it typically offers more points than can be earned through general business spending.
• 2 Annual fee If your card features an annual fee, it is important to consider if the card’s perks and benefits outweigh the card’s annual fee.
• 3 Bonus categories Choose a business card that features elevated earning rates on your regular business spending.

What's your favorite business credit card — and why?

• Using business credit cards responsibly can help you build your business credit score.
• Business credit cards can earn cash back, points or miles on every dollar you spend.
• Business credit cards provide purchase, theft and fraud protection.
• Business credit cards provide business-friendly perks like travel insurance, complimentary hotel stays and bonus points on expenses like shipping or software.
• Opening a business credit card can separate personal and business expenses.
• Credit cards can encourage overspending.
• Carrying a balance and using your card irresponsibly can damage your business credit score.
• The cost of borrowing on business credit cards is higher than traditional loans.
• You’re still personally responsible for business credit card debt.
• Having too many card applications can negatively affect your credit score.

Business and personal credit cards have similar functionalities. Many card issuers allow for personal referrals for business cards . In both cases, you’re extended a line of credit to make purchases, and you agree to pay for those purchases over time based on the cardholder agreement.

However, business credit cards are geared toward small businesses, and depending on the issuer (or specific card product), you may need to produce formal documentation in order to be approved. In addition, business cards typically include bonus categories or benefits that may hold less appeal to the general consumer. This can include bonus rewards on shipping purchases, statement credits for business-related service providers or embedded technology to help with accounting.

There’s no single card that would be considered the “best” for every, single small business . Instead, it’s important to consider the type of rewards and selection of benefits that make the most sense for your company. If your company travels internationally often, you would want a business credit card with no foreign transaction fee . If you’re not interested in travel rewards, then a cash-back business card could make the most sense. If your small business spends a bunch of money on client dinners, then a business card with a dining bonus could be the best fit.

While it’s not technically “illegal” to use a business card for personal use , it’s generally against the terms and conditions of most business credit cards. In addition, combining personal and business purchases on a credit card can make it harder to separate legitimate, business-related transactions when tax season rolls around. Finally, business credit cards tend to have fewer protections for cardholders, so using one for personal reasons could backfire.

Sometimes. It all depends on the given issuer , since some will consistently report business card account information to both consumer and commercial credit bureaus, while others won’t. Instead of worrying about this question, though, focus your energy on paying your balance in full and on time each month. This will ensure that any business cards reported to a credit bureau will only impact your score in a positive way.

You certainly can , though each issuer reserves the right to review your application and determine whether you qualify for a business line of credit. In many instances, you can use your Social Security number as a sole proprietor and get approved for a card. Even if you have no business credit history, an issuer will look at your personal credit score and history to determine your eligibility.

It is possible to refer someone to a business card even if you only have personal cards. Every issuer has their own policy regarding rewarding referrals so you will have to check with your specific card issuer to see if you are eligible for a referral bonus. Check out our in-depth guide on earning referral bonuses on both personal and business credit cards .

The best small business credit card will depend on your small business. See what perks and benefits your business is looking for and if the card you're looking at is the best fit for your business spending. You can use our guide above to help you see which card is the best for your business.

There is no limit to the amount of business cards you can have. It is important to know your business and what cards align most with your spending.

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Best business credit cards of May 2024

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India Davis is an editor specializing in credit cards and updates. She believes in putting the reader first and carrying out a brand’s voice to its fullest potential. She has lived and worked in three different countries and hopes to explore more of the world post-pandemic.

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Business credit cards are a popular option for entrepreneurs who need short-term financing to help start or grow their businesses.

The best business credit cards provide a revolving line of credit you can use for any business-related need. Use them for working capital, inventory or to cover your business travel costs. These cards also come with additional features, such as generous rewards programs, expense tracking and money-saving perks.

Our experts have reviewed hundreds of options and compared their features to determine the best business credit cards for May 2024.

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Best Business Credit Cards of May 2024

• Best business card for earning rewards on office expenses: Ink Business Cash® Credit Card
• Best business card for flexible travel redemption:  Ink Business Preferred® Credit Card
• Best for annual cash bonus:  Capital One Spark Cash Plus
• Best business card for large welcome offer: Ink Business Unlimited® Credit Card
• Best business card for luxury travel perks:  The Business Platinum Card® from American Express
• Best business card for no balance transfer fee:  Capital One Spark Cash Select for Excellent Credit Card
• Best business card for reward category flexibility:  American Express® Business Gold Card
• Best no-annual-fee business card:  The Blue Business® Plus Credit Card from American Express
• Best business card for travel perks and credits:  Capital One Venture X Business Rewards Credit Card
• Best business card for Bank of America customers:  Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
• Best business card for fair credit:  Revenued Business Card
• Best business card for flat-rate cash back:  American Express Blue Business Cash™ Card
• Best business card for large purchases:  Ink Business Premier® Credit Card
• Best for United airline benefits:  United℠ Business Card
• Best business card for easy rewards redemption: Capital One Spark Miles for Business
• Best for Hilton benefits: The Hilton Honors American Express Business Card
• Best for potentially high credit limit: Capital on Tap Business Card

Additional options:

• Best for no foreign transaction fee: Capital One Spark Classic for Business
• Best business card for automatic bonus categories: U.S. Bank Business Leverage® Visa Signature® Card
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Ink Business Cash® Credit Card

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Intro offer

Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.

Offer valuation

We calculate this number by multiplying the card's intro offer by Bankrate's valuation of this issuer's rewards program , showing you how much your points or miles are worth in dollars.

Rewards Rate

Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year Earn 1% cash back on all other card purchases with no limit to the amount you can earn

Regular APR

• 5% Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
• 2% Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
• 1% Earn 1% cash back on all other card purchases with no limit to the amount you can earn

What we love: Few cash back business cards offer such a high rewards rate on office expenses. Even though the card’s maximum cash back rate only applies to the first $25,000 spent in each bonus category each account anniversary year (then 1 percent), the sign-up bonus, redemption value and additional perks all help make this a standout option for business owners looking for maximum value without paying an annual fee. Learn more: How the Ink Business Cash can earn you high rewards on your business needs Alternatives: If most of your monthly business expenses go beyond routine office supplies, you may find that a flat-rate card like the Ink Business Unlimited® Credit Card offers more value and still has additional Chase perks.

• The value of the sign-up bonus is superb for a card without an annual fee.
• The card’s rewards are generous and the categories are useful for small- and mid-sized businesses.
• The card’s bonus cash back has a spending cap, which might limit the card’s usefulness for larger business budgets.
• There’s no intro APR on balance transfers, which hurts the card’s up-front value for business owners who want to pay down debts.
• Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
• Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
• Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
• 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
• 0% introductory APR for 12 months on purchases
• Member FDIC

Ink Business Preferred® Credit Card

Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn

• 3X Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
• 1X Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn

What we love: Nearly every type of business — from e-commerce to brick and mortar — could benefit from the valuable business rewards that this card brings to the table. But what really makes the card a travel powerhouse is the ability to transfer your points to several Chase travel partners at a 1:1 ratio, including United, Southwest, Marriott and more. Learn more: Is the Ink Business Preferred worth it? Alternatives: The American Express® Business Gold Card offers elevated rewards on spending in your top two select categories where your business spent the most each billing cycle. Though the Ink Business Preferred wins out on travel, the Amex Business Gold’s rewards rate may be a better value for businesses with somewhat predictable expenses (and if you don’t mind the annual fee).

• The included sign-up bonus is one of the largest you'll find on a business card.
• You can boost your point value by 25 percent when booking travel through Chase Travel℠, which is a mighty perk.
• There’s a relatively high spending requirement for the card’s welcome offer, which might make the offer tricky to obtain for businesses that don’t have big spending needs.
• There’s no intro APR on purchases or balance transfers, which hurts the up-front value of the card.
• Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• Round-the-clock monitoring for unusual credit card purchases
• Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
• Points are worth 25% more when you redeem for travel through Chase Travel℠
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

Capital One Spark Cash Plus

$1,200 cash back once you spend $30,000 in the first 3 months

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions

• 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
• 2% Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions

What we love: If your spending varies or you simply don’t want to put a lot of time and thought into maximizing business rewards, this flat-rate cash back card has plenty of appeal. Your rewards won’t expire for the life of the account, and you can redeem your cash back for any amount. Plus, you can get your $150 annual fee refunded every year you spend at least $150,000 Learn more: Why the Capital One Spark Cash Plus is an easy-to-use card for businesses Alternatives: Like the Spark Cash Plus, the Capital One Spark Select for Excellent Credit has no preset spending limit. It’s a good choice if you don’t need the Spark Cash Plus’s intro APR, but want to pick up extra value through the card’s welcome offer.

• The card’s rewards program is straightforward and the annual fee refund when you meet the spending requirements turns the card into a value-efficient choice for small businesses.
• You’ll skip foreign transaction fees with this business card, which makes it a low-cost option for purchases when traveling abroad.
• Offsetting the card’s cost may be difficult if you can’t reach the yearly spend requirement.
• Given it's a charge card, there are no flexible financing options.
• Earn a one-time cash bonus of $1,200 once you spend $30,000 in the first 3 months
• Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
• Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
• Get your $150 annual fee refunded every year you spend at least $150,000
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
• Add employee cards for free, and earn unlimited 2% cash back from their purchases
• $150 annual fee
• Spark Cash Plus has no APR because your balance is due in full every month

Ink Business Unlimited® Credit Card

• Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
• Earn unlimited 1.5% cash back on every purchase made for your business
• 1.5% Earn unlimited 1.5% cash back on every purchase made for your business

What we love: The Ink Business Unlimited is a simple, no-annual-fee option that’s perfect for business owners who don’t want to be bothered with ever-changing bonus categories. You earn unlimited cash back on all purchases and get the valuable benefit of an intro APR offer on purchases. Learn more: Is the Ink Business Unlimited worth it? Alternatives: If you like the Ink Business Unlimited® Credit Card but balk at the welcome offer requirements, the Capital One Spark Cash Select for Excellent Credit offers the same solid rewards rate, but its sign-up bonus comes with a much lower spending requirement.  

• The rewards program is straightforward and rather generous for a no-annual-fee card.
• You can pool and transfer rewards for extra value if you have a Chase Ultimate Rewards card.
• Depending on your business spending habits, you might be able to earn more rewards with a bonus category credit card.
• This card lacks an intro APR offer on balance transfers, which is a detriment if you need to pay down card debt.
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
• Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.

The Business Platinum Card® from American Express

Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.

5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com Earn 1.5X on each eligible purchase 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. 1X points for each dollar you spend on eligible purchases.

• 5X 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com
• 1.5X Earn 1.5X on each eligible purchase 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.
• 1X 1X points for each dollar you spend on eligible purchases.

What we love: Despite the high annual fee, this is one of the best business travel credit cards on the market. On top of the generous rewards and welcome offer, business travelers can access over 1,400 airport lounges worldwide with this card and take advantage of hundreds of dollars worth of statement credits on business and travel spending. Learn more: Why these business travelers love the Amex Business Platinum Alternatives: The American Express® Business Gold Card may be a better match if your business requires little traveling. Not only will you spend a lot less on annual fees, but you stand to earn a higher rewards rate on your top expense categories. 

• The card touts an enormous welcome offer and hundreds of dollars worth of statement credits.
• Key card benefits include bonus rewards on useful business categories and an annual business-centric statement credit (terms apply).
• The card’s annual credits come with a number of caveats and can be tricky to maximize, depending on your spending needs.
• The annual fee is one of the priciest on the market.
• Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
• 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
• Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase 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.
• Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
• $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
• The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
• $695 Annual Fee.
• Terms Apply.

Capital One Spark Cash Select for Excellent Credit

• Earn a $750 bonus when you spend $6,000 in the first 3 months of account opening

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions

• 1.5% Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions

What we love: The Capital One Spark Cash Select for Excellent Credit is not just a great no-annual-fee card but also an excellent card for transferring balances at no additional cost. It’s a rewarding, low-cost choice for businesses that meet the credit requirements and want a card with flexible utility. Learn more: Why I love the Capital One Spark Cash Plus credit card Alternatives: If the credit score requirement for the Spark Select is a bit too high, the Brex 30 Card could be a good alternative. Not only does it not require a credit history, but it also doesn’t require a personal guarantee, while offering rewards and a potentially high credit limit. 

• You can get an upgraded welcome bonus of $750 when you spend $6,000 within the first three months of account opening.
• You can also earn boosted cash back on hotels and rental cars when you book them through the Capital One Travel portal.
• Other business cards have higher flat cash back rates, even for excellent credit.
• The card lacks transfer partners, limiting its redemption options compared to top competing business cards.
• Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
• No annual fee
• Rewards won't expire for the life of the account
• Redeem your cash back rewards for any amount
• Free employee cards, which also earn unlimited 1.5% cash back on all purchases
• $0 Fraud Liability for unauthorized charges

American Express® Business Gold Card

Welcome Offer: 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 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap. Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card. 1X is earned for other purchases. **

• 4X Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
• 3X Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
• 1X 1X is earned for other purchases. **

What we love: American Express offers a high rewards rate on six valuable, business-oriented categories with this card, making it easy for small businesses to maximize their card rewards in pace with business spending needs. And with American Express's impressive list of airline transfer partners, it's an especially great card if you'd like to redeem your rewards for travel. Learn more: Is the Amex Business Gold card worth it? Alternatives: If you like the idea of flexible reward categories but don’t want to deal with the Amex Business Gold Card’s annual fee, the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card offers similar flexibility at no annual fee.

• The card earns a generous return on some prime business-centric bonus categories.
• It offers access to several useful business expense management tools.
• The card’s highest bonus cash back category is subject to a cap, which you might find limiting, depending on your spending.
• The $375 annual fee may prove difficult to offset with the card’s niche statement credits.
• Welcome Offer: 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 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
• Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
• Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
• Get $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. $12.95 plus applicable taxes.
• Your Card – Your Choice. Choose from Gold or Rose Gold.
• *Terms Apply

The Blue Business® Plus Credit Card from American Express

Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.

• Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
• 2X Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners.
• 1X 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.

What we love: This Amex business card has an impressive flat rate on up to $50,000 in purchases each year. It’s even more valuable thanks to the lack of an annual fee and Amex’s Membership Rewards program, which provides exceptional value for travel redemptions. The card is a great fit for small businesses with limited revenue, such as sole proprietorships and startups, that still want a card that provides strong value. Learn more: Amex Blue Business Cash vs Amex Blue Business Plus Alternatives: If your business has high monthly expenses, you may get more value from the Capital One Spark Cash Plus, which also offers flat-rate rewards on purchases, but doesn’t impose spending caps. 

• The card’s rewards are generous for a no-annual-fee card.
• You’ll have access to Expanded Buying Power, a flexible financing option that lets you potentially spend more than your card limit if needed.
• Your bonus rewards are subject to a cap, which may limit the card’s value if you run a business with large expenses.
• It charges a foreign transaction fee, which can make spending with international merchants expensive.
• Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
• 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
• You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
• *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
• Terms Apply

Capital One Venture X Business

150,000 miles once you spend $30,000 in the first 3 months from account opening

2X miles - 10X miles

2 miles on every purchase 5 miles on flights booked through Capital One Travel 10 miles on hotels and rental cars booked through Capital One Travel

• 2X miles 2 miles on every purchase
• 5X miles 5 miles on flights booked through Capital One Travel
• 10X miles 10 miles on hotels and rental cars booked through Capital One Travel

What we love: This card’s terrific travel perks, streamlined rewards rate and flexible redemption options make it a perfect fit for small-business owners who want to get a taste of luxury without drowning in annual fees. In fact, the card perks may offer enough value to offset the annual fee on their own, so it could make sense even if you only travel occasionally. Learn more: Capital One Venture X benefits guide Alternatives: If you want the flexibility to redeem rewards at a decent value for both travel and cash back without worrying about a large annual fee, consider the Ink Business Preferred® Credit Card . While the card’s points are worth 25 percent more when you redeem for Chase Travel℠, you can still get a solid 1-cent-per-point in redemption value if you redeem them for cash back. 

• The card boasts valuable, practical travel perks, including annual travel statement credits, anniversary miles and airport lounge access, making it easy to offset the annual fee.
• It offers ultra-flexible travel redemption, allowing you to redeem miles for travel via Capital One, transfer to participating airline partners and more.
• It’s not a great fit if you want the option to earn cash back. You can redeem miles for cash back, but it’ll cut your miles’ value in half.
• You won’t get any airline- or hotel-specific perks like elite status, so a co-branded travel card may be a better fit if you often book with one airline or hotel.
• Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
• This card has no preset spending limit, so you get purchasing power that adapts to your spending needs. The annual fee on this card is $395
• Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
• Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
• Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights booked through Capital One Travel, where you'll get the best prices on thousands of options
• Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings through Capital One Travel
• Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
• Skip the lines with up to a $100 statement credit on TSA PreCheck® or Global Entry. Then enjoy unlimited complimentary access to Capital One Lounges and a network of 1,300+ lounges worldwide, including Priority Pass™ and Plaza Premium Group lounges
• This is a pay-in-full card, so your balance is due in full every month
• Elevate your stay at luxury hotels and resorts from the Premier Collection with a $100 experience credit and other premium benefits on every booking

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

• Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.

Earn unlimited 1.5% cash back on purchases.

• 1.5% Earn unlimited 1.5% cash back on purchases.

What we love: What is otherwise a standard flat-rate cash back business card becomes a rewards powerhouse if you’re an eligible Bank of America Preferred Rewards member. Meet the requirements with qualifying account balances and you can earn up to 2.62 percent cash back on all purchases, one of the highest flat cash back rates available. Alternatives: If you’re a big business spender but unwilling to make the switch to Bank of America, you may find a suitable replacement in the Capital One Spark Cash Plus card and its unlimited cash back rate on all eligible purchases.

• You won’t need to worry about an annual fee cutting into your earned cash back rewards.
• The modest intro APR offer on purchases can help you pay off some large purchases.
• The intro APR offer doesn’t extend to balance transfers, making it a poor choice for managing debt.
• This card charges a 3 percent foreign transaction fee, which can make purchases abroad expensive.
• Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
• No annual cap and cash rewards don’t expire as long as your account remains open.
• No annual fee.
• Choose how to redeem your cash rewards – as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
• 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
• Contactless Cards - The security of a chip card, with the convenience of a tap.
• This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Revenued Business Card

Intro offer is not available for this Revenued credit card.

Offer valuation is not available for this credit card.

Rewards rate is not available for this credit card.

• Rewards details Caret Down N/A N/A

What we love: This prepaid card and credit line combo bases approvals and finance charges on your business revenue, not your credit score. This makes it worth a look if you’re still growing your business but lack the credit score to qualify for the more popular business credit cards on the market. Alternatives: Since the Revenued Flex Line uses a purchase of future sales financing model, you can’t avoid finance charges. If you have a good enough credit score to qualify and can avoid carrying a balance, a traditional business card could be a cheaper option. The Capital on Tap Business Credit Card has a lower rewards rate but could have a potentially high credit limit. Plus, applying won’t impact your credit score.

• You won’t pay an annual fee to use this card, which is always helpful on a card for fair or poor credit.
• Your Flex Line spending limit is based on your business revenue, not your credit history, so your purchasing power can grow as your business grows.
• Though this combo is available with less-than-perfect credit, it still has business revenue requirements that may be hard for some small-business owners to reach.
• Its financing model means you can’t avoid finance charges like you could if you used a credit card and didn’t carry a balance.
• No annual fee and no draw fee
• Includes flex line, similar to a line of credit and only pay for what you use
• Access cash on demand with funds deposited straight into your bank account
• Fast and easy application process - apply online and receive a funding decision in as little as an hour
• Approvals based on your business revenue and not personal credit
• As your revenue increases, spending limits also increase
• Access to business credit tools - Revenued reports to D&B to help build your business credit
• Access to a dedicated U.S-based account manager to help you make the most of being a Revenued card holder
• Rated Excellent on Trustpilot with 600+ reviews

The American Express Blue Business Cash™ Card

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.

Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. 1% cash back on all eligible purchases after spending $50,000 per calendar year.

• 2% Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.
• 1% 1% cash back on all eligible purchases after spending $50,000 per calendar year.

What we love: Offering flexible financing options and solid flat-rate rewards (albeit subject to an annual cap), the American Express Blue Business Cash Card is decidedly well-rounded for a no-annual-fee business card. If you love earning straightforward cash rewards on purchases and can stay under the yearly spending limit, you could earn more cash back with this card than the typical flat-rate business credit cards. Learn more: Amex Blue Business Cash Card benefits guide Alternatives: Small businesses that prefer the value of points over the convenience of cash back may prefer The Blue Business® Plus Credit Card from American Express . You can transfer Amex Membership Rewards points to hotels and airline partners, often boosting their value beyond what you can earn on a typical cash back business card. 

• This card offers reliable cash back and a solid intro APR on purchases.
• You can access Expanded Buying Power, a flexible financing option that lets you potentially spend more than your credit limit typically allows.
• The 2 percent cash back rate is capped to your first $50,000 in purchases per year, then drops to 1 percent.
• This card offers no intro APR on balance transfers, which would’ve been a nice addition if you need to pay off existing card debt.
• Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
• 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
• Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
• From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
• Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.

Ink Business Premier® Credit Card

• Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.

Unlimited 5% total cash back on travel purchased through Chase Travel℠ Unlimited 2.5% total cash back on purchases of $5,000 or more Unlimited 2% cash back on all other business purchases.

• 5% Unlimited 5% total cash back on travel purchased through Chase Travel℠
• 2.5% Unlimited 2.5% total cash back on purchases of $5,000 or more
• 2% Unlimited 2% cash back on all other business purchases.

What we love: On top of a generous flat rate on all your purchases, you can earn an even higher cash back rate on purchases of $5,000 or more. This makes this Chase business card a top choice for small-business owners with larger budgets and expenses that fall outside of the typical bonus rewards categories available on other business cards. Learn more: Ink Business Premier benefits guide Alternatives: A rewards card with tiered categories may be better if your business spending is more aligned with specific business purchases. For example, the Ink Business Cash® Credit Card charges no annual fee and offers a higher cash back rate on office supply store, internet, cable and phone service purchases.

• It offers one of the highest flat rates available if you meet the requirements: 2.5 percent cash back on all large purchases of $5,000 or more.
• The card comes with a high sign-up bonus that’s more accessible than comparable offers.
• The card lacks bonus categories with boosted rates, which are increasingly common on flat-rate cash back cards.
• The high annual fee can cut into your reward earnings.
• Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
• Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Travel℠, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
• The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
• Get the buying power you need to make large purchases, cover monthly expenses and help your business grow. While you must pay your Pay In Full balance each month, this card has built-in flexibility. The Flex for Business feature allows for qualifying purchases to be paid over time with interest.
• Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
• There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.

United℠ Business Card

• Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.

Earn 2 miles per $1 spent on United® purchases, dining, at gas stations, office supply stores and on local transit and commuting. Earn 1 mile per $1 spent on all other purchases.

• 2X Earn 2 miles per $1 spent on United® purchases, dining, at gas stations, office supply stores and on local transit and commuting.
• 1X Earn 1 mile per $1 spent on all other purchases.

What we love: The card’s solid rewards on United and everyday purchases plus its United Airlines perks make it easy to generate value. Occasional and frequent United flyers will have little problem offsetting the card’s annual fee and then some thanks to these perks, which include an annual statement credit. Learn more: Guide to the United MileagePlus program Alternatives: If your business-related travel needs are less about where you're flying and more about where you’re staying, The Hilton Honors American Express Business Card can be a solid option. It earns big on Hilton stays as well as purchases at U.S. gas stations, U.S. purchases for shipping and on wireless telephone services purchased directly from U.S. service providers. 

• The card’s welcome offer is generous and has a relatively low spending requirement, which makes it easy to obtain for most businesses.
• For a modest ongoing annual fee, the card comes with a nice set of airline perks general-purpose business cards don’t offer.
• The card offers free checked bags but only for you and one traveling companion. Other business cards offer this perk for you and four (or more) passengers.
• No introductory APR offer and a high penalty APR make this a risky card to use if you don’t pay your balance in full every month.
• $0 introductory annual fee for the first year, then $99.
• Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
• Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
• Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
• Enjoy a free first checked bag - a savings of up to $140 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
• $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.

Capital One Spark Miles for Business

• Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening

Unlimited 5X miles on hotels and rental cars booked through Capital One Travel Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account.

• 5x Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
• 2X Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account.

What we love: While some travel credit cards have complicated rewards structures, the Capital One Spark Miles for Business keeps it simple: You can book travel through Capital One or use your miles to cover travel-related purchases made on your card within the last 90 days, including airfare, hotel bookings, transit and more. This makes the card a great choice for budget-conscious business travelers who still want to take advantage of a card’s travel perks. Learn more: Capital One Spark Cash Plus vs. Capital One Spark Miles for Business Alternatives: If you don’t mind a lower rewards rate, the Ink Business Preferred® Credit Card charges the same annual fee but comes with a broader range of travel benefits, including MasterRental® Insurance*.   

• The card doesn’t charge foreign transaction fees, which makes it a good choice for making purchases abroad.
• The rewards program is straightforward and generous relative to its annual fee ($95, $0 intro for first year).
• There’s no intro APR on purchases or balance transfers, which makes the card a poor choice if you need to save interest on new purchases or when paying off existing card debt.
• Relative to some competitors, this card is slim on business-centric benefits.
• Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
• Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
• Transfer your miles to 15+ travel loyalty programs
• Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
• Skip the lines with up to a $100 statement credit on TSA PreCheck® or Global Entry
• $0 intro annual fee for the first year; $95 after that
• Free employee cards which also earn unlimited 2X miles from their purchases

The Hilton Honors American Express Business Card

• Limited Time Offer: Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 6/5.

Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases. Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year. 3X on all other eligible purchases. Terms & Limitations Apply.

• 12X Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
• 5X Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year.
• 3X 3X on all other eligible purchases. Terms & Limitations Apply.

What we love: This business card rewards Hilton loyalists with elevated membership status and includes boosted rewards rates for more than just purchases made at Hilton Hotels. This card also comes loaded with additional features fit for dynamic business owners who are out of town more often than not, including complimentary Priority Pass visits.  Alternatives: If you travel for business often but not in areas serviced by Hilton hotels — or don’t prefer Hilton to other hotel brands — a general business travel card like the Capital One Spark Miles for Business may be a better option. In fact, 1 Capital One mile can be worth more than 1 Hilton Honors point based on Bankrate's latest credit card point valuations .

• The welcome bonus, boosted rewards rates for business and travel purchases and complimentary Hilton Honors™ Gold Status make this a top hotel rewards card.
• It earns boosted points in several categories at once and offers the chance to earn multiple free night rewards from Hilton Honors.
• The card’s $95 annual fee can be hard to justify if you don’t stay at Hilton hotels and take advantage of as many perks as possible.
• Hilton point values aren’t as high as other reward programs’ points, making this a poor choice for general business purchases if you aren’t a Hilton loyalist.
• Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
• Enhanced: Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter.
• New: Enjoy up to $240 back each year for eligible purchases made directly with Hilton.
• Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors Gold status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay getting you to free nights faster.
• You may receive an upgrade to Hilton Honors Diamond status if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more.
• New: Enjoy complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentary Emerald Club® program is required.
• Terms apply.

Capital on Tap Business Credit Card

Spend $15,000 in the first 3 months for $200 cashback

1.5% unlimited cashback with no annual fee

• 1.5% 1.5% unlimited cashback with no annual fee

What we love: This low-hassle business card available to LLCs and corporations is affordable to hold, boasting no annual fees or foreign exchange fees for any purchases made abroad. You’ll also enjoy unlimited cards to use for your company and a modest cash back rate on all purchases in addition to a potentially high credit limit.    Learn more: How small businesses can use the Capital on Tap Business Credit Card Alternatives: The Bank of America®  Business Advantage Unlimited Cash Rewards Mastercard®  credit card also has no annual fee and offers the same flat cash back rate. Plus, existing Bank of America and Merrill customers stand to earn significantly higher rewards through its Preferred Rewards program, provided they meet program requirements. 

• The card has relatively few fees, including no foreign transaction fee.
• The 1.5 percent cash back you’ll earn with this card is unlimited, covering an array of purchases.
• Not available to sole proprietorships (the most common business structure) or nonprofits.
• The card’s features are limited, and the sign-up bonus has an incredibly high spending requirement compared to other business credit cards.
• 1.5% unlimited cashback with no annual fee.
• 18.49% - 35.99% variable APR
• $0 annual fee
• Limits up to $50,000
• Unlimited cards for your employees
• Capital on Tap Business Credit Cards are issued by WebBank

Capital One Spark Classic for Business

*The information about the Capital One Spark Classic for Business has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

Intro offer is not available for this Capital One credit card.

Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel

• 1% Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions.

This is a decent flat-rate cash back card for business owners with fair credit. It offers unlimited cash back on all purchases as well as an elevated cash back rate on specific travel booked through Capital One. Along with having solid fraud and liability protection, roadside assistance and no foreign transaction fee, it’s a great choice for people needing to travel for conferences, meetings and more. Alternatives : You may want to consider the Revenued Business Card if you want a higher rewards rate on every purchase but are having trouble qualifying for most business cards.

• This card’s cash back rate for select travel is fairly decent for no annual fee.
• You have access to free employee cards, with which you can track their spending, as well as customizable spending limits.
• Because this card is for people with fair credit, the APR is quite steep, which may make carrying a balance challenging.
• The flat cash back rate for all purchases is low compared to other business rewards cards.

U.S. Bank Business Leverage® Visa Signature® Card

*The information about the U.S. Bank Business Leverage® Visa Signature® Card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

Earn $750 when $7,500 is spent within the first 120 days on the account owner’s card

5% cash back on prepaid hotels and car rentals booked in the Travel Rewards Center 2% back in two top categories where you spend the most each month automatically 1% cash per dollar spent on all other eligible purchases

• 5% 5% cash back on prepaid hotels and car rentals booked in the Travel Rewards Center
• 2% 2% back in two top categories where you spend the most each month automatically
• 1% 1% cash per dollar spent on all other eligible purchases

What we love: This card automatically adjusts your two 2 percent categories each month based on where you’re spending the most, which includes more than 40 eligible categories, including gas stations, software and computer services, utility companies, office supply stores, and more. This makes it a good choice for nearly any business regardless of how often a business’ spending evolves. Alternatives: The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card earns more in its customizable category and has no annual fee, making it a cheaper, comparable alternative.

• You can earn an unlimited 2 percent cash back in two eligible categories where your business spends the most. This includes more than 40 eligible categories.
• This card offers free employee cards and spending analysis tools to track card use.
• It has an ongoing annual fee that you have to offset with rewards.
• This card doesn’t have any intro APR offers, which weakens its upfront value.

Comparing Bankrate’s top small-business credit cards

What’s a business credit card.

Business credit cards are revolving lines of credit that help cover short-term expenses and build business credit. Some cards may also earn rewards on eligible business-related spending and offer zero-interest intro APR periods.

Business credit cards work the same as consumer credit cards: If approved, you typically receive a specific credit limit, which serves as your spending maximum. Card issuers report your credit usage, good or bad, to credit bureaus, which can affect your credit score. Like consumer cards, business cards may also come with rewards, often in the form of cash back, points or miles . The best business cards available often require good credit, but secured business credit cards exist as a way to help entrepreneurs get started building or rebuilding their business credit.

Choosing the right business card depends on your specific business. One of the main factors to consider is the type of business card you need. A few of the most common types of business cards are:

• Corporate credit cards: These cards are typically only issued to large businesses with established financial and credit histories. Banks will issue a corporate credit card to the business entity, not the individual business owners. One of the best examples is The Business Platinum Card® from American Express comes with a ton of benefits, including credits on Dell purchases and yearly Priority Pass Select membership.
• Cash back credit cards: Cash back business cards can earn cash back rotating categories, fixed bonus categories or on all spending. These cards are a good option for any business that wants to earn rewards on their purchases. The Ink Business Preferred offers a good rewards rate on travel and select business categories, making it useful to many types of businesses.
• Travel rewards credit cards: These cards offer a high rewards rate on various travel purchases, including car rentals, rideshares, hotel and flight bookings. This includes co-branded cards like The Hilton Honors American Express Business Card , which offers great rewards on both Hilton Hotel stays and commonly used business categories along with complimentary Gold Status
• Charge cards: Some business cards are charge cards , which usually have no set credit line or spending limit. Instead, you pay off your full balance every month. The Capital One Spark Cash Plus is a great choice for business owners who prefer flat-rate cash back over tiered categories without a preset credit limit. 

Pros and cons of business credit cards

Business cards offer several advantages over personal cards when initially funding a business, though you should keep a few potential drawbacks in mind. 

Working capital: A business credit card can help address short-term financing needs.

Lenient qualification: It can be easier to qualify for a business credit card than a business loan or line of credit.

Credit limits: Business credit cards usually provide higher credit limits than consumer credit cards.

Available to sole proprietors: They’re available to the self-employed, like freelancers, independent contractors and gig workers.

Separates business expenses: Business credit cards help track and manage your company's expenses for budgeting and tax purposes.

Lower APR: Business cards often come with lower interest rates than personal credit cards.

High credit requirements: While secured business credit cards exist, the choices available for businesses with fair or poor credit are slim.

Liability: You may be personally liable for any unpaid debt on the cards, and business credit can affect your personal credit.

Fewer protections: Business credit cards aren’t required to offer the same consumer protections as personal cards under the Credit CARD Act of 2009, though many issuers do voluntarily extend these protections to their business products.

Tips on choosing the best business card for you

Choosing the right business credit card depends on your specific business needs. Here are a few tips to keep in mind when looking:

• No business is too small: If you run a part-time business — like a side hustle or gig — a business card is a great credit tool. A business card can help if you have high startup costs, increased travel expenses or growing operating costs. Plus, if you transition to running your business full time, a card can help build your business credit score.
• Stick with the same issuer: When getting a business card, whether a corporate card or a small-business credit card , it may be a good idea to go through the same issuer as your personal credit card. A few perks can come with going this route, such as a better chance of qualifying and pooling rewards.
• Ask for advice : Seeking out advice from fellow business owners on what financial tools have helped them, not only gives you first-hand experience from a trusted source but also can help build community. Building a business takes time and support, so don’t be afraid to reach out for help.

How to choose a business credit card

You’ll need to provide the following information about yourself and your business when applying for a business credit card. These include your:

• Business name and contact information
• Role in the company
• Annual business income
• Business details
• Supporting documentation (such as an Employer Identification Number)

Pick relevant earning categories

To get maximum value out of your business credit card, choose a card that earns bonus rewards in your business’ top spending categories. If your priority is convenience, choose a flat-rate business rewards card that offers at least 1.5X points or miles for all purchases. 

Pay attention to redemption value

The value of your rewards can vary based on how you redeem them. Make sure the card you choose offers at least one cent per point or mile for your favorite redemption option. 

Compare additional features

Two cards may offer the same rewards, but one might offer additional features that can save you money. Examples of perks to consider include intro APR offers, cellphone insurance or travel protections.

Mind the fees

Make sure the value you’ll gain from the card exceeds any fees you might pay, such as an annual fee or balance transfer fee. Other costs to consider include late fees and penalty APRs.

Our data: Business credit card approvals in 2023

Understanding how approval rates fluctuate may help you better plan when to apply for a business credit card. We analyzed approvals for business credit cards that readers applied for through Bankrate in 2023.

According to our proprietary data , business credit card approvals on Bankrate were the lowest in January 2023. But approvals increased throughout the year, spiking in October 2023 to rates 83 percent higher than in January before slightly tapering off through the end of December.

Business credit card approvals could spike in October for various reasons. One possibility is less access to business loans. Banks reported tighter standards and weaker interest in commercial and industrial loans in Q4 2023, which could push businesses to seek other funding products, like credit cards.

For example, Bank of America’s 2023 Women & Minority Business Owner Spotlight revealed that 54 percent of business owners who said they planned to use funding in the next 12 months picked business credit cards as their top choice. And business credit bureau Dun & Bradstreet reported an increase in its U.S. Small Business Health Index in September and October 2023, which could contribute to more credit card approvals.

While seasonal trends may affect your business throughout the year, it’s not uncommon to use some form of business funding to manage cash flow . What’s important is finding the right combination of tools and strategies to grow your business . Learn more about small-business funding with Bankrate’s small-business articles .

What people say about business credit cards

If you’re looking for a new business credit card, you may be wondering which cards your fellow small-business owners recommend. To get some first-hand perspectives, we checked out what Reddit and myFICO® Forums users are saying about their favorite business cards.

First-hand experiences from business card users

Contributors regularly recommended a few specific issuers with top business cards: 

• When it comes to Amex cards, favorites include The Business Platinum Card® from American Express and American Express® Business Gold Card . 
• The Capital One Spark Cash Plus is considered a great “catch-all card.”  
• Chase Ink Business cards earned praise for their solid cash back rates. 

As you consider your card options, it’s important to assess your business needs and how you plan to use any rewards you earn. One member of the Reddit r/smallbusiness community, beley , noted that deciding on the best card for you, “depends on what you spend money on and what you value (cash back, free travel, or other perks).”  

For example, Amex business cards that earn Membership Rewards are useful for travel because American Express has a solid network of transfer partners, including top airlines and hotels. Redditor beley favors the Amex Gold Business card because of its elevated rewards rates on business expenses like advertising and shipping. Those rewards can translate into great travel redemptions, and the same Reddit user said that they take a couple of vacations every year using miles and points. 

On the myFICO® Forums, one user noted that Amex cards can be great tools for businesses because “the no pre-set spending limit** offers flexibility.”  In addition to the travel benefits, one user chose the Amex Business Platinum for its extended purchase warranty perk. 

Chase Ink business cards also typically have strong welcome offers and solid rewards rates. For example, several Reddit users recommended the Ink Business Unlimited® Credit Card . On top of its competitive welcome offer, the card provides unlimited 1.5 percent cash back on all business purchases. Plus, the card carries a solid intro APR offer, which will come in handy if you’re looking to finance a large purchase for your business while minimizing interest charges. 

With so many great options, how do you decide what’s right for your business? One Reddit user suggested having two separate business cards with different banks, noting that there’s no perfect “one size fits all” product. Maintaining a primary account with one bank and a secondary “backup” account with another bank may also be helpful if one account is compromised. 

This Redditor included a few key tips for choosing the right cards. 

Make sure at least one of them is a VISA card, since they are accepted in most places. There are arguments to be made for having your backup be an Amex due to how customer-friendly they are. In the end, the only answer is "it depends on what YOU" need … I think the arguments for having two accounts with separate banks is supportive of most small businesses' needs. —  Glimmer_III, Reddit user, r/smallbusiness community*

This advice is solid, especially if your business is your primary source of income or if it’s growing at a rapid pace. For a small business, a catch-all card with solid perks, such as the much-loved Capital One Spark Cash Plus, may be all you need.  

*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Be sure to check the issuer's website/terms and conditions for all up to date content. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

Expert advice for maximizing business credit cards

Like with consumer credit cards, you want to have a clear vision for how your business credit card can help you achieve your financial or business goals. Here are a few tips to get you started:

• Use your card to build business credit: Business credit cards are one of the most cost-effective ways to build business credit. As long as you take advantage of the card’s grace period and pay your balance in full each month, you can avoid interest charges.
• Consider having more than one business credit card: For many entrepreneurs, one business credit card won’t be enough . To maximize your credit card rewards, you might need two or three business cards, each with different bonus rewards categories that match your spending habits.
• Have a plan for paying your balance: If you can’t pay your business credit card in full each month, interest charges can eat away at your rewards and make it harder to pay off that balance. Plus, if you signed a personal guarantee , you’re personally liable for repaying the debt if your business can’t. Have a plan in place to pay off your balances before you start using a business credit card .

How one Bankrate expert uses his business credit cards

Bankrate writer Ryan Flanigan explains his approach to choosing business cards and how he uses them in this overall credit card strategy.

“I like business cards because they can do the heavy lifting for me. When I have significant business spending, I know my personal credit won't take a hit and I'll earn solid rewards. I've been able to keep my credit score in a good place even when I have a large balance to deal with on my business cards. It's also very helpful for keeping everything separate and organized once tax season rolls around. When I'm looking for business cards, I want to see how they work together with other cards I have. For instance, the Amex Business Platinum, Business Gold and Blue Business Plus cards make an amazing team, covering almost every need I have. Also, the Chase business cards can all pool points together, which can make for an excellent points-generating machine. Every card does its job by covering something different. Like in business, when cards work together for me, it makes a great partnership.” — Ryan Flanigan, Writer, Bankrate Credit Cards

In the news: Rates unchanged but may decrease in 2024

The Federal Reserve left interest rates untouched in March 2024 and signaled that it still intends to make rate cuts throughout the year. Should these cuts come to pass, it marks the end of a series of rate hikes that led to the highest levels seen in 22 years. Small-business owners of all credit levels could see card rates and fees begin to lower later in the year, but since there is no guarantee, it’s best if they focus on current credit card rates.

Zero-interest business credit cards let business owners take advantage of promotional APR offers. During this time, you can avoid interest charges for up to 12 or 18 months depending on the offer. You may also be able to take advantage of SBA loans , which are guaranteed by the U.S. Small Business Administration. These government-backed loans cap interest rates, helping to make small business loans more affordable. Several types of SBA loans are available, including options to help business owners with bad credit who struggle to get approved for financing.

*For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply. The information about the Capital One® Spark® Classic for Business card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

When evaluating the best business cards, we consider a mix of factors, including how cards score in our proprietary card rating system and whether cards offer features that fit the priorities of a diverse group of small-business owners, from earning rewards in popular business spending categories to getting payment flexibility or high-value perks. Whenever possible, we also feature cards that are available at various credit levels and price points. 

Here’s a look at how our rating methodology breaks down for business credit cards:

• Flexibility 20%
• Customer experience 20%

We analyzed over 50 of the most popular business credit cards and scored each based on its rewards rate, estimated annual earnings, welcome bonus value, APR, fees, perks and more to determine whether it belonged in this month’s roundup.

Here are some of the key factors that we considered:

Great rewards value

The best business cards offer rewards in key business spending categories, so a primary criteria for a business card’s rating is its rewards value. This includes the card’s average rewards rate, estimated annual rewards earnings, sign-up bonus value and reward redemption value.

To estimate a business card’s average annual rewards earnings, we first calculate its average rewards rate based on how much it earns in different bonus categories and how closely its categories align with the average small-business owner’s spending habits. In other words, we assess whether the card earns rewards at a high rate in the most popular business spending categories. 

We researched 10 key business spending categories including dining, gas, office supplies, travel, telecommunications, insurance and more to get a sense of the average small-business owner’s spending habits. We assumed an average annual spend of around $40,000 per year based on Bankrate survey data . 

Using this data, we are able to assign a weighting to each of a card’s bonus categories. We also estimate the redemption value of points or miles from various issuer, airline and hotel rewards programs.

This weighting and rewards valuation allows us to estimate a card’s average annual rewards earnings — how many points or miles you’d earn with a given card if your spending was about average and you used the card for all of your business purchases — as well as what those points are worth. We also use point valuations to determine a card’s sign-up bonus value

With these calculations complete, we assign each card a score based on how its average rewards earnings, sign-up bonus value, rewards rate and redemption value stack up against other business cards, factoring in the card’s annual fee.

The better these values, the higher its score will be, making it more worthy of inclusion in our list and increasing its potential ranking.

Low fees and an intro APR

We also score cards based on how much it costs to keep them in your wallet or carry a balance. 

To start, each business card is scored based on whether it offers an intro APR and how its ongoing APR compares to the rates available on other business cards. This is because an intro APR on new purchases or balance transfers can be a lifesaver if you need to pay down debt, finance a large business purchase or free up cash flow. 

While intro APRs are not uncommon on business cards, they aren’t a given, so cards that offer this sort of payment flexibility will score higher in our card rating system and are more likely to land a spot on our best cards list.

Even more important to both a card’s score and its inclusion in our list, however, is how its annual fee influences its overall value. We consider a card’s annual fee in two ways — how it ranks relative to the fees you’ll find on other cards in the category and how it impacts a card’s overall rewards value. 

Cards with an annual fee will always be at a slight disadvantage in our scoring system since annual fees inherently cut into your rewards value. However, if a card offers terrific value via its ongoing rewards and perks, it can earn a high score and a spot in our list even if it carries a high annual fee. After all, the highest rewards rates and most valuable perks are often found on cards with annual fees. 

With this in mind, we rate a card based primarily on how its ongoing rewards value and ongoing perk value (such as annual credits or bonuses) stack up against those of other cards in the category when you subtract annual fees.

That said, we strive to include as many no-annual-fee options in our list as possible since many business owners would rather not worry about offsetting fees, even if a card carries impressive rewards and perks.

Redemption flexibility

Business rewards cards may make it easy to earn a lot of points, miles or cash back, but how easy is it to use those rewards? After all, if it takes a ton of effort to redeem rewards or you can only redeem rewards in a couple of ways, a card may be more trouble than it’s worth. 

As such, we rate each card’s flexibility based on the restrictions it imposes on earning and redeeming rewards. We factor this rating into a card’s overall score and consider it when deciding on a card’s inclusion in our list. 

Flexibility factors include whether a card only allows you to earn a high rewards rate on only a small amount of spending or requires you to meet a certain earning threshold before you can redeem rewards. We also examine whether your points are worth less when you opt for some redemption options over others and whether a card gives you the flexibility to transfer rewards to travel partners.

Valuable business perks

We also score each card’s set of features – its perks and benefits — against five tiers of features to provide a rating. Top-tier perks include benefits like airport lounge access, travel credits, elite status with an airline or hotel and credits for expedited security screening membership programs.

We give extra weight to perks especially useful or valuable for small-business owners, like being able to qualify with no personal guarantee, digital advertising credits, free employee cards and accounting perks.

Frequently asked questions about business credit cards

What is the best credit card for startups or new businesses.

Many business credit cards are available to startups . The best business card for one business may not be the best one for yours.

Finding the right business credit card to help cover costs (which averages $40,000 in the first year ) and get your new business up and running depends on finding a card with the benefits that matter most to you, gives you maximum value and is something you can afford. 

Can you get a business credit card without a personal guarantee?

How can i start my business credit.

Starting to build your business credit could be as easy as establishing credit with vendors and suppliers. But not all credit lenders will report accounts to business credit bureaus. 

Opening a business credit card is a better option. That’s because major issuers like Capital One, American Express and Chase report your activity to the commercial credit bureaus, such as Dun & Bradstreet . Another benefit is that you can avoid interest charges with a business credit card as long as you consistently pay your balance in full each month. 

What is a business credit score?

A  business credit score  applies to businesses rather than individuals. Unlike personal credit cards, business credit scores can range between one and 100 depending on the business credit bureau. Business scores are also public and attached to an  Employer Identification Number  (EIN) rather than a Social Security Number. 

You can check your business credit score at the reporting agencies Dun & Bradstreet,  Equifax  and Experian. But you may have to pay to see your score or look up other businesses. 

What are alternatives to a business credit card?

Small business credit cards can provide a lot of value, but they’re not the best solution for every business. Some entrepreneurs will need to cover expenses that exceed a credit card’s limits, carry a balance over a long period of time or may simply have poor credit. The most common alternatives to business cards are: 

• Business loans: The best small business loans can have higher loan amounts and lower interest rates than business credit cards. 
• Business lines of credit: A business line of credit may come with higher credit limits than a business credit card, especially if you have good or excellent credit. 
• Personal credit cards: While you may miss out on the perks of a business credit card, personal credit cards at least guarantee you consumer protections against fraud and may have longer intro APR offers.

Ask the experts: How do business credit cards impact business taxes?

Thomas Nitzsche

Stephanie Zito

Erica Sandberg

Financial Educator, Debt and Credit

Business credit card transactions that are legitimate business expenses may be written off as a business expense in some cases. A tax preparer may use those transactions as they’re working on your bookkeeping or as a means to prepare your taxes. Interest paid on business credit cards transactions is tax deductible, much like the interest paid on a business loan.

Contributor, Personal Finance

For small business owners — particularly single-member LLCs and S-Corps, business cards are an important tool to help track your transactions and keep them separate from your personal expenses. Using business cards to organize expenses really helps me maximize deductions.

Contributor, Credit Cards

A small business’s margins may be slim, and the right business credit card could potentially help. The rewards you earn with business credit cards aren't taxable, so if you maximize them you can earn substantial cash, points or miles. When you use the card exclusively for business expenses, you can also deduct the fees that are associated with these products.

Article sources

We use primary sources to support our work. Bankrate’s authors, reporters and editors are subject-matter experts who thoroughly fact-check editorial content to ensure the information you’re reading is accurate, timely and relevant.

Can I build a good FICO score if a charge card is my only credit account? MyFICO. Accessed on April 1, 2024.

The January 2024 Senior Loan Officer Opinion Survey on Bank Lending Practices . Board of Governors of the Federal Reserve System. Accessed on April 4, 2024.

2023 Women & Minority Business Owner Spotlight . Bank of America. Accessed on April 4, 2024.

Dun & Bradstreet U.S. Economic Health Tracker . Dun & Bradstreet. Accessed on April 4, 2024

Federal Reserve issues FOMC statement . Board of Governors of the Federal Reserve System. Accessed on April 4, 2024.

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* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author’s alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.

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Business Credit Cards

Find the best business credit card for you. Get rewarded on expenses with new cardmember bonus offers, and by earning cash back rewards, airline miles, or credit card reward points on all your business purchases. Experience the power of your rewards with flexible redemption options, to find what best meets your business needs.

Ink Business Premier ® Credit Card . Links to product page.

Ink Business Premier ® Credit Card card reviews Opens overlay

New cardmember offer.

Earn $1,000 bonus cash back after you spend $10,000 on purchases in your first 3 months from account opening.

AT A GLANCE

Pay in Full Card with Unlimited Earn Potential Earn 2.5% cash back on every purchase of $5,000 or more and 2% cash back on all other business purchases.

Flex for Business variable APR: 19.49 Min. of (8.50+10.99) and 29.99 %– 27.49 Min. of (8.50+18.99) and 29.99 %. † Opens pricing and terms in new window

$195 † Opens pricing and terms in new window

Ink Business Unlimited ® Credit Card . Links to product page.

Ink Business Unlimited ® Credit Card card reviews Opens overlay

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months after account opening.

Unlimited 1.5% cash back rewards on every purchase made for your business – with this no annual fee credit card.

0% intro APR for 12 months from account opening on purchases. † Opens pricing and terms in new window After that, 18.49 Min. of (8.50+9.99) and 29.99 %– 24.49 Min. of (8.50+15.99) and 29.99 % variable APR. † Opens pricing and terms in new window

$0 † Opens pricing and terms in new window

Ink Business Cash ® Credit Card . Links to product page.

Ink Business Cash ® Credit Card card reviews Opens overlay

Earn up to $750 bonus cash back Earn $350 when you spend $3,000 on purchases in the first 3 months and an additional $400 when you spend $6,000 on purchases in the first 6 months after account opening. Earn a 10% Business Relationship Bonus

Earn 5% cash back in select business categories plus earn rewards on every purchase made for your business – with this no annual fee credit card

Ink Business Preferred ® Credit Card . Links to product page.

Ink Business Preferred ® Credit Card card reviews Opens overlay

100,000 bonus points after you spend $8,000 on purchases in the first 3 months after account opening. That's $1,000 cash back or $1,250 toward travel rewards when you redeem through Chase Travel SM .

Reward your business with flexible and rich rewards. Earn 3X points on shipping and other select business categories.

21.24 Min. of (8.50+12.74) and 29.99 %– 26.24 Min. of (8.50+17.74) and 29.99 % variable APR. † Opens pricing and terms in new window

$95 † Opens pricing and terms in new window

IHG One Rewards Premier Business Credit Card . Links to product page.

IHG One Rewards Premier Business Credit Card card reviews Opens overlay

Earn up to 175,000 bonus points Earn 140,000 Bonus Points after spending $4,000 in the first 3 months from account opening. Plus, earn 35,000 Bonus Points after spending a total of $7,000 in the first 6 months from account opening.

Earn IHG One Rewards points on every purchase. Up to 26X points total per $1 spent when you stay at IHG ® hotels and resorts.

21.49 Min. of (8.50+12.99) and 29.99 %– 28.49 Min. of (8.50+19.99) and 29.99 % variable APR. † Opens pricing and terms in new window

$99 † Opens pricing and terms in new window

World of Hyatt Business Credit Card . Links to product page.

World of Hyatt Business Credit Card card reviews Opens overlay

Earn 60,000 Bonus Points after qualifying purchases.

Make the most of your small business spending with accelerated earning wherever you spend the most. Earn 2 Bonus Points total per $1 spent in your top three spend categories each quarter through 12/31/24, then your top two categories each quarter.

$199 † Opens pricing and terms in new window

United SM Business Card . Links to product page.

United SM Business Card card reviews Opens overlay

Earn 75,000 bonus miles after qualifying purchases.

Earn 2x miles on United purchases, dining, at gas stations, office supply stores and on local transit and commuting. Plus, enjoy a free first checked bag, priority boarding and other great United travel benefits. Terms apply.

21.99 Min. of (8.50+13.49) and 29.99 %– 28.99 Min. of (8.50+20.49) and 29.99 % variable APR. † Opens pricing and terms in new window

$0 intro annual fee for the first year, then $99. † Opens pricing and terms in new window

United Club SM Business Card . Links to product page.

United Club SM Business Card card reviews Opens overlay

Earn 50,000 bonus miles + 1,000 Premier qualifying points (PQP) after qualifying purchases.

Travel in luxury. Enjoy United Club SM membership and 2 free checked bags. Plus, earn rewards faster with 2x miles on United purchases and 1.5x miles on all other purchases. Terms apply.

$450 † Opens pricing and terms in new window

Southwest Rapid Rewards ® Performance Business Credit Card . Links to product page.

Southwest Rapid Rewards ® Performance Business Credit Card card reviews Opens overlay

Earn 80,000 points after you spend $5,000 on purchases in the first 3 months your account is open.

Earn 4X points on Southwest ® purchases and 2X points on purchases for your business in select categories. Plus, 9,000 anniversary bonus points each year.

$199 applied to first billing statement. † Opens pricing and terms in new window

Southwest Rapid Rewards ® Premier Business Credit Card . Links to product page.

Southwest Rapid Rewards ® Premier Business Credit Card card reviews Opens overlay

Earn 60,000 bonus points after you spend $3,000 on purchases in the first 3 months your account is open.

Earn 3X points on Southwest ® purchases, 2X points on local transit and commuting, and 1X points on all other purchases. Plus, 6,000 anniversary points each year.

$99 applied to first billing statement. † Opens pricing and terms in new window

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• Best Credit Cards
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• No Annual Fee

On this page

• Our top picks
• Travel credit card details
• How travel cards work

Types of travel cards

• Pros and cons
• How to make the most of a travel card
• Alternatives to travel cards
• Our methodology
• Frequently asked questions

The Best Travel Credit Cards of May 2024

April 5, 2024

How we Choose

Whether you’re an occasional traveler looking to save on your next vacation or a frequent traveler looking for premium travel perks, there’s a travel rewards card for you. We’ll break down our top picks for the best travel rewards credit cards.

Best travel credit cards of May 2024

• Chase Sapphire Preferred® Card : Best welcome bonus
• Capital One Venture Rewards Credit Card : Best for flat-rate rewards
• The Platinum Card® from American Express : Best for luxury travel
• American Express® Gold Card : Best for foodies
• Capital One VentureOne Rewards Credit Card : Best first travel card
• Bank of America® Travel Rewards credit card : Best for occasional travelers
• Citi Premier® Card : Best for everyday spending
• Capital One Venture X Rewards Credit Card : Best for annual credits
• Chase Freedom Unlimited® : Best for pairing with Chase cards
• Credit One Bank Wander® Card : Best for fair credit
• Discover it® Miles : Best for no annual fee
• Wells Fargo Autograph℠ Card : Best for gas and transit
• Southwest Rapid Rewards® Plus Credit Card : Best for budget flyers
• Bank of America® Premium Rewards® credit card : Best for travel credits
• Chase Sapphire Reserve® : Best for point value
• United Quest℠ Card : Best for United MileagePlus members

Additional Options:

• Marriott Bonvoy Boundless® Credit Card: Best hotel credit card
• American Airlines AAdvantage® MileUp®: Best no-annual-fee airline card

Chase Sapphire Preferred® Card

Rewards rate

At a glance, overall rating, why we like this card.

This card has one of the highest sign-up bonuses you’ll find with a mid-level travel card. Plus, it offers generous rewards for your travel and dining purchases and additional benefits like a 25% boost in points value when you redeem your rewards through the Chase Travel℠ portal.

• You'll find more benefits with this card than with other mid-level travel cards, including an anniversary boost and a hotel credit.
• Instead of the typical 1-cent–per-point value you might find on rival travel cards, you can enjoy 25% more value when you book travel through Chase Travel℠.
• Bonus categories are limited to travel and dining, so you have little flexibility in how you earn rewards.
• The card lacks attractive travel perks like airport lounge access or security precheck credits.

Bottom Line

If you are hoping to fast-track your way to your next trip, the Chase Sapphire Preferred offers ample opportunities to earn rewards, along with a generous sign-up bonus.

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC

Rates & Fees

Capital one venture rewards credit card.

The Capital One Venture Rewards Credit Card offers a great flat rate of 2X miles for all purchases and gives you ultimate flexibility for redemption, including for travel purchases booked outside of the Capital One portal non-travel rewards, such as gift cards (though you may get a lower value). You can also enjoy additional benefits, like an up to $100 credit toward Global Entry or TSA PreCheck®, that can help offset the $95 annual fee.

• Simple earning structure and flexible redemption options
• Generous sign-up bonus
• Lack of large domestic travel transfer partners
• Low redemption value unless using select airlines

The Capital One Venture Card is a top-notch travel card that offers simplicity and valuable perks without the pricey annual fees associated with many premium cards in this category or skimping on rewards.

• Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
• Earn unlimited 2X miles on every purchase, every day
• Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Miles won't expire for the life of the account and there's no limit to how many you can earn
• Receive up to a $100 credit for Global Entry or TSA PreCheck®
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
• Transfer your miles to your choice of 15+ travel loyalty programs

The Platinum Card® from American Express

See if you’re pre-approved for this card using our CardMatch tool .

This popular premium card from American Express comes fully-loaded with travel benefits, including luxury lounge access, Hilton Honors gold status (enrollment required), no foreign transaction fees and an impressive list of travel benefits that will help offset the $695 annual fee.

This card currently touts a generous welcome offer: You can earn 80,000 points if you spend $8,000 in your first six months of card membership, which we estimate to be worth around $800 when you book through AmexTravel (where points are worth around 1 cent each).

• Extensive list of travel credits and premium perks
• Ability to transfer points to a host of airline partners, including Delta Airlines
• Limited amount of bonus categories
• Expensive annual fee

For frequent travelers or those looking to make their dream vacation a reality, the Amex Platinum checks every box and provides generous travel credits to offset its high annual fee.

• Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
• $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
• $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
• $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
• $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
• $695 annual fee.
• Terms Apply.

American Express® Gold Card

The Amex Gold card offers an industry-leading 4X points at restaurants (including U.S. takeout and delivery) and U.S. supermarkets (on up to $25,000 in purchases per calendar year, then 1 point per dollar) as well as 3X points on flights booked directly with airlines or amextravel.com.

It also features dining benefits, such as an up to $120 in yearly statement credits on select restaurants, including Grubhub and The Cheesecake Factory, and up to $120 in Uber cash annually. In addition to the foodie-friendly rewards rate, this card offers a valuable introductory offer and travel perks like baggage and car rental insurance when you book with your Gold card.

• If you spend a lot on food and dining, its industry-leading rewards rate on restaurant and U.S. supermarket purchases is hard to beat.
• Like the Amex Green card, you can transfer points to multiple air travel partners, including Delta Airlines, and hotel partners, like Hilton Honors.
• Its annual fee is pricier than what’s on some travel credit cards.
• You must redeem travel rewards through amextravel.com.

The Amex Gold is one of the best cards on the market with its generous rewards rate and lucrative introductory offer. If food and travel account for a large portion of your spending, this card’s value more than covers the $250 annual fee.

• Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
• Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
• Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
• $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
• $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
• Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
• Choose the color that suits your style. Gold or Rose Gold.
• No Foreign Transaction Fees.
• Annual Fee is $250.

Capital One VentureOne Rewards Credit Card

This card is ideal as a first travel card because you don’t have to strategize to offset an annual fee every year, but can still enjoy terrific travel benefits. You can redeem for various travel purchases like hotels, rental cars and flights either through Capital One’s travel portal or other travel websites. Plus, you can transfer your rewards to partner loyalty programs — adding more flexibility in your travel.

• No need to offset the cost of an annual fee
• Low minimum spend for sign-up bonus
• Lower rewards rate and less perks than cards with an annual fee
• Reduced value of your miles when you use the rewards for non-travel redemption options, such as statement credits or gift cards

This card offers a straightforward earning structure and an attainable sign-up bonus, allowing cardholders to rack up miles while not worrying about an annual fee.

• $0 annual fee and no foreign transaction fees
• Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
• Earn unlimited 1.25X miles on every purchase, every day
• Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies

Bank of America® Travel Rewards credit card

The Bank of America Travel Rewards credit card is a great choice for infrequent travelers who want ultimate flexibility when it comes to earning and redeeming rewards. Cardholders can redeem points for statement credit to pay toward travel expenses, like flights, hotels, vacation packages, cruises, rental cars or baggage fees. Additionally, you can redeem for dining purchases.

You can also take advantage of its sign-up bonus — 25,000 online bonus points if you spend $1,000 in your first 90 days, redeemable for a $250 statement toward travel and dining made on your credit card within the last 12 months, including on third-party sites like Expedia or Travelocity.

• Ultraflexible redemption policy that can cover some purchases outside travel
• Can redeem rewards as a statement credit months after the initial travel or dining purchase
• Rewards rate for travel purchases not as lucrative as others in this category
• Not the most valuable sign-up offer

Despite the fact that cardholders won’t be able to weigh spending toward a particular category to maximize their points, this card is a great fit for occasional travelers who still want to earn rewards but without having to pay an annual fee.

• Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
• 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
• Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
• Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
• 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
• If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
• Contactless Cards - The security of a chip card, with the convenience of a tap.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Citi Premier® Card

If you can’t decide between a travel or general rewards credit card, the Citi Premier offers the best of both worlds with a rewards rate of 3X points for every $1 spent on air travel, hotels, restaurants, gas stations and supermarkets, as well as one point per dollar spent on all other purchases. Plus, for a limited time, earn a total of 10X points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel portal through June 30, 2024.

The Citi Premier card is currently offering a valuable sign-up bonus of 60,000 points for spending $4,000 in the first three months in addition to its flexible redemption options and exclusive side benefits.

• Annual hotel credit when booked through thankyou.com or 1-800-THANKYOU
• Earn bonus rewards for select travel and everyday purchases
• Domestic airline transfer partner limited to JetBlue
• No travel insurance, which is typical for travel cards in this tier

The Citi Premier card is a smart choice for frequent travelers who want to use a single rewards card for the bulk of their everyday spending and offers premium perks for a reasonable annual fee.

• Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
• Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
• Earn 3 Points per $1 spent at Restaurants and Supermarkets
• Earn 1 Point per $1 spent on all other purchases
• Annual Hotel Savings Benefit
• 60,000 ThankYou® Points are redeemable for $600 in gift cards or travel rewards at thankyou.com
• No expiration and no limit to the amount of points you can earn with this card
• No Foreign Transaction Fees on purchases

Capital One Venture X Rewards Credit Card

The Venture X is an instant top contender in the premium card market with its fully-loaded annual benefits that can be worth over $400. Yearly perks like bonus miles on your account anniversary (equal to $100 in travel) and a $300 travel credit when you book travel through Capital One Travel, can help cover the annual fee. Compared with other high-end travel rewards credit cards, the $395 annual fee is modest, and many travelers will come out well ahead.

• You can enjoy a fairly simple rewards structure with unlimited 2X miles in all purchase categories, in addition to bonus rewards in Capital One travel categories.
• The card offers statement credit for Global Entry and TSA Precheck, which adds to your overall savings.
• The sign-up bonus is generous, but it requires a high spend.
• While not unusual, you'll need excellent credit to be eligible for this premium card.

Travel rewards cards packed with this many features typically come with sky-high annual fees, but the Capital One Venture X Rewards Credit Card delivers with luxury benefits and a more down-to-earth annual fee.

• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
• Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
• Earn unlimited 2X miles on all other purchases
• Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
• Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
• Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more

Chase Freedom Unlimited®

Its flat rate and bonus categories, especially for the first 12 months, make it a great companion for premium Chase cards. If you want to rack up as many Chase Ultimate Rewards points as possible and then use them toward your next trip, then this card can help you get there. Plus, its welcome offer can help boost rewards.

• Its bonus earnings for the first 12 months boost your rewards and this card’s upfront value.
• You can pool this card’s rewards with certain Chase travel cards to get more redemption and transfer flexibility.
• Other cards have better travel benefits or welcome offers if you want as many rewards and perks as possible.
• You won’t get the full potential of this card without pairing it with a premium Chase card, which comes with annual fees.

This card’s true potential lies in pairing it with certain Chase travel cards. Make sure you use it to pool your Ultimate Rewards points for more value when redeeming for travel.

• Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
• Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
• After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.

Credit One Bank Wander® Card

This is one of the only travel cards accessible to people with fair credit. It also offers a high rewards rate on a great mix of travel spending, including gas, airfare, hotels, resorts and bookings made through travel agencies. This will be especially appealing if you prefer booking directly with airlines and hotels to maximize loyalty rewards and elite status.

• People with fair-to-excellent credit can earn high rewards on eligible travel and everyday purchases like dining and gas.
• Frequent travelers can earn generous rewards even while working toward elite status with airline and hotel loyalty programs.
• It offers fewer perks compared to other mid-level travel cards with a similar annual fee and high variable APR.
• Points aren’t transferable and remain fixed at a value of 1 cent each when redeemed for cash back, which could prove limiting for frequent travelers who know how to maximize points for greater value.

This could be a top pick for travelers who struggle to qualify for cards with more travel perks and transfer partners.

• Earn 10x points on eligible hotels and car rentals booked through the Credit One Bank travel partner site
• Earn 5x points on eligible travel, dining, and gas
• Earn 1x points on all other purchases
• Redeem your reward points for statement credits, gift cards, merchandise, flights, hotels, and more
• With $0 Fraud Liability, you won’t be responsible for unauthorized charges
• Free Online Credit Score and Credit Report summary, terms apply
• If you are a Covered Borrower under the Military Lending Act, you may get a different offer
• See Rates & Fees

Discover it® Miles

For a no-annual-fee card, Discover offers simplicity. You’ll be able to earn unlimited miles and have flexible redemption options like statement credits towards travel purchases or as cash deposits into your bank account. Plus, cardholders have a unique opportunity at the end of their first year when Discover will match every mile you earn.

• Appealing welcome offer that can essentially double all the miles earned at the end of the first year
• Competitive redemption value for cash back at 1 cent per mile
• Rewards earning potential takes a significant hit after your first year
• Can’t transfer miles to airline frequent-flyer programs

The Discover it® Miles card offers an impressive list of high-end travel perks and a generous first-year welcome offer for travel credit card newbies, but earning benefits drop off substantially after the first 12 months.

• Unlimited Bonus: Unlimited Mile-for-Mile match for all new cardmembers - only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
• Automatically earn unlimited 1.5x Miles on every dollar of every purchase
• No annual fee
• Turn Miles into cash. Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more.
• 0% intro APR for 15 months on purchases. Then 17.24% - 28.24% Standard Variable Purchase APR will apply.
• Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
• Discover is accepted nationwide by 99% of the places that take credit cards.
• Terms and conditions apply.

Wells Fargo Autograph℠ Card

It offers one of the best rewards rates you can get on everyday travel – including airfare, hotels, gas stations and transit – without paying an annual fee. And since it also rewards dining (another key everyday spending category), it makes for a terrific standalone rewards card.

• It has no annual fee and a high rewards rate for everyday spending categories.
• It earns bonus rewards in common spending categories like gas stations and restaurants as well as in harder-to-find categories like phone plans, making it an especially versatile option.
• Though the card earns bonus rewards in a great mix of everyday categories, it offers a lackluster rate on grocery purchases, which could limit its standalone value.
• Unlike some competing no-annual-fee travel cards, the Autograph doesn’t let you transfer points to airline or hotel loyalty programs, limiting the potential value of your rewards.

This card could be a great fit for occasional travelers who want to earn rewards on everyday spending and have the flexibility to redeem for cash back.

• Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
• Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
• Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
• $0 annual fee.
• 0% intro APR for 12 months from account opening on purchases. 20.24%, 25.24%, or 29.99% variable APR thereafter.
• Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
• Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
• Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.

Southwest Rapid Rewards® Plus Credit Card

The Southwest Rapid Rewards® Plus credit card is ideally suited for entry-level travelers. Even if you only fly occasionally with Southwest airlines, you can easily boost rewards and receive a generous welcome offer. The perks for this card rival those found in higher-tier cards, such as getting the first two checked bags for free and two EarlyBird Check-In® each year.

• Can almost cover the annual fee with 3,000-point anniversary bonus
• Valuable perks on a domestic airline with a reputation for being customer-friendly
• Does not include certain perks often found with travel cards, such as priority boarding or a fast track to elite status
• Lacks airline partners and international travel options

For those already integrated into the Southwest ecosystem, this card offers generous bonus opportunities and access to unique, customer-friendly perks for a reasonable annual fee.

• Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
• 3,000 anniversary points each year.
• Earn 2X points on Southwest® purchases.
• Earn 2X points on local transit and commuting, including rideshare.
• Earn 2X points on internet, cable, and phone services; select streaming.
• 2 EarlyBird Check-In® each year.
• Earn 1 point for every $1 spent on all other purchases.

Bank of America® Premium Rewards® credit card

This card from Bank of America offers great value for a $95 annual fee card, especially if you already bank with them. If you are a Bank of America Preferred Rewards® member, you’ll be rewarded with an additional 25 percent to 75 percent redemption bonus on all your earnings.

In addition, this card offers some of the strongest travel insurance benefits you can get, up to a $100 annual statement credit that you can use for airline incidental expenses, an application fee credit for TSA PreCheck or Global Entry, and a points program that rewards spending in a variety of categories.

• The $100 annual statement credit you can use towards airline expenses and the application fee credit for TSA PreCheck or Global Entry more than offset the $95 annual fee.
• Preferred Rewards members receive some of the highest rewards rates among any travel or cash back credit cards.
• If you’re not a Preferred Rewards member, the benefits of the card are not as robust compared to other cards with similar annual fees.
• The $100 airline incidental credit only covers qualifying incidentals and not actual flight costs.

The Bank of America Premium Rewards credit card combines the benefits of a cash back card and premium travel card and is an especially good value for those with existing Bank of America accounts.

• Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.
• Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don't expire as long as your account remains open.
• If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87-2.62 points on all other purchases, for every $1 you spend.
• Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center.
• Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.
• Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
• No foreign transaction fees.
• Low $95 annual fee.

Chase Sapphire Reserve®

For those looking for a premium credit card with generous travel perks and a top-tier sign-up bonus, the Chase Sapphire Reserve is considered to be one of the best options on the market. And with no blackout dates, expiration dates for points or point limits, the card offers major redemption flexibility.

The sign-up bonus is worth a whopping $900 toward travel when you redeem through Chase Travel℠ after spending $4,000 on purchases in the first three months, so you are getting more than a cent per mile value. With the $300 annual credit for travel purchases, generous earning structure and impressive list of additional perks, seasoned travelers have plenty of opportunity to offset the steep $550 annual fee.

• Wealth of travel perks and rewards categories
• Increase your point value by 50% by redeeming them for travel through Chase Travel℠
• Required spend of $300 on travel annually before travel category rewards rates apply
• Lower rewards value for merchandise

While the price of admission for Chase’s premium travel card is steep, the bonuses and wealth of luxury travel perks will be worth it in the long run for experienced travelers.

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more

United Quest℠ Card

If you like to regularly travel on United Airlines (or their partner airlines) then this card is worth a look. Not only do you earn enhanced bonus miles for United purchases, other travel and select everyday purchases, you also get an impressive amount of airline-specific perks. This includes anniversary credits and free first and second checked bags for you and one companion.

• Impressive sign-up bonus and anniversary credits
• Easy to earn miles with popular bonus categories like dining and select streaming purchases
• High annual fee for infrequent United flyers
• No airport lounge access

The United Quest Card is a terrific option for semi-frequent United travelers, but cardholders should plan to redeem United miles at least twice a year to take full advantage and offset the annual fee.

• Earn 60,000 bonus miles and 500 PQP after qualifying purchases
• Earn 3 miles per $1 spent on United® purchases
• Earn 2 miles per $1 spent on all other travel, dining and select streaming services
• Earn 1 mile per $1 spent on all other purchases
• Free first and second checked bags - a savings of up to $320 per roundtrip (terms apply) - and priority boarding
• Up to a $125 United® purchase credit and up to 10,000 miles in award flight credits each year (terms apply)
• Earn up to 6,000 Premier qualifying points (25 PQP for every $500 you spend on purchases)

The information about the Marriott Bonvoy Boundless Credit Card, the American Airlines AAdvantage® MileUp® Card, the American Express® Green Card and the Southwest Rapid Rewards Premier Credit Card has been collected independently by CreditCards.com and has not been reviewed by the issuer.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Comparing the best travel credit cards of 2024

Editor’s picks: best travel credit card details, best welcome bonus: chase sapphire preferred® card.

• Best features : This card packs in plenty of value that is rare for only $95 a year. It comes with a high sign-up bonus, generous rewards program and competitive redemption values.
• Biggest drawbacks : You may need to look beyond the Chase Sapphire Preferred if you prefer luxury features like TSA PreCheck, priority boarding, travel credits and lounge access.
• Alternatives: The Citi Premier® Card has a similar annual fee and a generous welcome offer too. Travelers who want to book travel outside of credit card portals and who spend a lot on gas and in-store grocery purchases may get better value out of the Premier card.
• Bottom line : A modest annual fee, impressive sign-up bonus and ultra-flexible rewards redemption give this card great short- and long-term value for travelers who don’t need a ton of luxury perks.

Read our Chase Sapphire Preferred Card review or jump back to this card’s offer details .

Best for flat-rate rewards: Capital One Venture Rewards Credit Card

• Best features : For a reasonable annual fee, this popular Capital One credit card offers standout rewards with an easy rewards structure and versatile redemption options. You can transfer miles to over 15 loyalty programs or redeem for statement credit toward travel.
• Biggest drawbacks : Capital One doesn’t have many domestic travel transfer partners. This can make it harder to maximize the value of your miles when booking domestic flights.
• Alternatives : If you’re looking to earn at a flat-rate but aren’t too pleased with the Venture card’s $95 annual fee ( See Rates and Fees ), the Capital One VentureOne Rewards Credit Card is a suitable alternative. Although cardholders only earn 1.25X miles on all purchases, the card still comes with a sign-up bonus of 20,000 miles for spending $500 in the first three months. This is a smaller bonus and a lower rewards rate than the Venture card, but it’ll also be easier to obtain, making this an ideal option for modest spenders.
• Bottom line : This card is a great option if you’re looking for an easy way to earn high travel rewards on all purchases. But if you’re after top-drawer travel perks, you may want to look elsewhere.

Read our Capital One Venture Rewards Credit Card review or jump back to this card’s offer details .

Best for luxury travel: The Platinum Card® from American Express

• Best features : This premium card comes fully-loaded. You can enjoy luxury lounge access, elite status with Hilton Honors and Marriott Bonvoy hotels (upon enrollment) and even travel consultants to help plan your trip. A laundry list of travel credits can also help offset the card’s annual fee.
• Biggest drawbacks : The card only earns bonus rewards on flights and prepaid hotels. You might earn more with cards that offer bonus points or miles on both travel and everyday essentials. Plus, some of the credits – like the card’s luxury fitness credit or Walmart+ credit – don’t have broad appeal, making it harder to offset the high $695 annual fee.
• Alternatives : Unlike the Platinum card, the American Express® Gold Card lets you earn high bonus rewards for purchases made in categories beyond travel, including restaurant and U.S. supermarket purchases. It also comes with a lot of the same benefits as the Platinum card, such as car rental insurance, purchase protection and Hotel Collection benefits, all for a much smaller $250 annual fee.
• Bottom line : If you can take advantage of its many perks, this card should tick all the right boxes for big spenders and frequent travelers looking for luxury travel perks, particularly complimentary airport lounge access.

Read our American Express Platinum Card review or jump back to this card’s offer details .

Best for foodies: American Express® Gold Card

• Best features : Traveling foodies, rejoice – this card offers an industry-leading 4X points at restaurants, including takeout and delivery in the U.S. You’ll also earn 4X points at U.S. supermarkets (on up to $25,000 per calendar year, then one point per dollar) and 3X points on flights booked directly with airlines or AmexTravel.com. Trips with common carriers that are booked with your Gold card are covered for baggage insurance worth up to $1,250 for carry-on bags and $500 for checked bags.
• Biggest drawbacks : The annual fee is $250, pricier than other travel rewards cards with mid-level travel perks. And unless food is a significant portion of your spending, the card’s rewards rate and food delivery credits may not be the best fit.
• Alternatives : The Citi Premier® Card comes close to matching the Amex Gold with its rewards rates, but its annual fee is much lower (just $95).
• Bottom line : If you’re a frequent traveler who makes dining out a staple of their vacations and staycations, you’ll get a lot of value with this card.

Read our American Express Gold Card review or jump back to this card’s offer details .

Best first travel card: Capital One VentureOne Rewards Credit Card

• Best features : The VentureOne card is a basic travel card for beginners who want to earn flexible rewards but aren’t ready to commit to an annual fee ( See Rates and Fees ). VentureOne cardholders can earn bonus miles on hotels and rental cars booked through Capital One Travel and 1.25X miles on every other purchase. You can transfer these miles to numerous airline and hotel partners.
• Biggest drawbacks : Other no-annual-fee travel cards offer better perks and higher rewards rates than the VentureOne’s 1.25X miles.
• Alternatives : The Bilt Mastercard® is a unique no-annual-fee card that earns points on rent payments without the processing fees. But the card is also a great beginner travel card, offering bonus rewards on travel and dining (points are transferable too). Plus, if you wait until the first of the month, your patience will be rewarded with double points on all non-rent purchases for 24 hours (on up to 10,000 bonus points). That’s a whopping 6X points on dining, 4X points on travel and 2X points on all other non-rent purchases. You must use the card 5 times each statement period to earn points.
• Bottom line : Budget-friendly travelers can get a decent amount of value out of this starter travel card, but if transferring rewards to travel partners isn’t a priority for you, a flat-rate cash back card may be more lucrative.

Read our Capital One VentureOne Rewards Credit Card review or jump back to this card’s offer details .

Best for occasional travelers: Bank of America® Travel Rewards credit card

• Best features : This card will appeal to infrequent travelers who don’t typically book through travel portals. Instead, you can redeem your points for any travel and dining purchases made on your credit card within the last 12 months. And if you’re a Preferred Rewards member, you can earn up to 25% to 75% more points on every purchase.
• Biggest drawbacks : The best rewards are reserved for Bank of America customers with savings or investment accounts. If that’s not you, you can likely find another card that rewards your travel purchases at a higher rate.
• Alternatives : The Capital One VentureOne also does not charge an annual fee or foreign transaction fee ( See Rates and Fees ), but even casual travelers can benefit from its valuable purchase and travel protections.
• Bottom line : The Bank of America Travel Rewards card is a solid choice for occasional travelers focused on earning some rewards and avoiding an annual fee.

Related : Is the Bank of America Travel Rewards card worth it?

Read our Bank of America Travel Rewards credit card review or jump back to this card’s offer details .

Best for everyday spending: Citi Premier® Card

• Best features : For a modest annual fee, cardholders earn 3X points, not only on air travel, hotels and dining but also supermarket and gas station purchases, two of the most popular everyday spending categories. Plus, for a limited time, earn a total of 10X points per $1 spent on hotel, car rentals and attractions (excluding air travel) booked on the Citi Travel portal through June 30, 2024. Its sign-up bonus is on par with competitor offers, and cardholders get an annual hotel credit, making it easier to offset the card’s annual fee.
• Biggest drawbacks : If you want to transfer your points to get more value out of your rewards, JetBlue is the only domestic carrier on Citi’s list of airline partners, which can make it harder to book domestic travel.
• Alternatives : The Chase Sapphire Preferred is similar but may be a more attractive option due to its travel protection coverage. Plus, Chase’s Travel℠ program includes a robust list of airlines and hotel partners.
• Bottom line : Someone looking to earn rewards on travel and everyday expenses will appreciate the versatility of the Citi Premier Card, not to mention its generous welcome bonus.

Read our Citi Premier Card review or jump back to this card’s offer details .

Best for annual credits: Capital One Venture X Rewards Credit Card

• Best features : Cardholders can take advantage of this card’s yearly credits to help offset its annual fee and enjoy additional perks like lounge access. And when you book through Capital One Travel, you’ll earn some of the highest rewards available for hotels, rental cars and flights.
• Biggest drawbacks : You’ll have to book your travel through Capital One Travel instead of directly through an airline or hotel to get the best value out of this card.
• Alternatives: The Platinum Card® from American Express is one of the best travel cards for lounge access and other luxury perks. Frequent travelers who can take advantage of all those perks can easily offset the card’s high annual fee.
• Bottom line : The Venture X should appeal to both frequent travelers who want to earn more than just 1 mile per dollar on all non-travel purchases and luxury travelers who want to enjoy premium travel without paying the typical sky-high annual fees.

Read our Capital One Venture X Rewards Credit Card review or jump back to this card’s offer details .

Best for pairing with Chase cards: Chase Freedom Unlimited®

• Best features: Its 1.5% rate on general purchases makes it a great catch-all card as part of your overall travel rewards strategy. You can use this card with certain Chase cards to get more Chase Ultimate Rewards points, one of the most valuable credit card points.
• Biggest drawbacks: It has a 3% foreign transaction fee, so if you were planning to use this card abroad on your travels, it can be more costly.
• Alternative(s): The Chase Sapphire Preferred Card is one of Chase’s premium travel cards, with solid earning rates on dining and travel. For a modest $95 annual fee, it comes with top-of-the-line travel benefits, increases points redemption value through the Chase travel portal and can transfer points to Chase travel partners.
• Bottom line: If you already have a Chase travel card — or are planning to get one in the future — this card is a must-have for maximizing travel rewards.

Read our full Chase Freedom Unlimited® review or jump back to this card’s offer details .

Best for fair credit: Credit One Bank Wander® Card

• Best features : Even people with fair credit can take advantage of the card’s bonus rewards in a variety of travel categories. Many travel cards only earn generous bonus rewards for airline or hotel purchases or for travel booked through the issuer’s travel portal. But the Wander card is more flexible, giving you more freedom to book travel the way you like.
• Biggest drawbacks : There are no transfer partners, so your points are worth a maximum of 1 cent each. Plus, the card has fewer perks compared to other mid-level cards with a similar annual fee.
• Alternatives : Your options are limited if you’re looking for another travel card open to people with fair credit. But many Capital One cards like the Capital One Walmart Rewards® Mastercard® or the Capital One QuicksilverOne Cash Rewards Credit Card could help you rack up a lot of rewards that you can use to help cover the cost of travel. You can also take advantage of convenient and cost-saving features found in the Capital One Travel Portal.
• Bottom line : This card is a solid pick for credit-builders who also want to earn travel rewards.

Read our Credit One Bank Wander® Card review or jump back to this card’s offer details .

Best for no annual fee: Discover it® Miles

• Best features : The Discover it® Miles offers simplicity and flexibility without the annual fee. All purchases earn a fairly average 1.5X miles. But Discover sweetens the deal by matching all the miles you’ve earned at the end of your first year. Instead of travel, you can also redeem rewards online with Amazon or when you pay with PayPal (though redemption value might be lower).
• Alternatives : The Capital One VentureOne Rewards Credit Card is another solid no-annual-fee travel card ( See Rates and Fees ). It not only offers a flat rate of 1.25X miles on every purchase, but also 5X miles on hotels and rental cars booked through Capital One Travel. That could make it easier for frequent travelers to earn rewards. It also has a number of travel and consumer protections that you won’t find with most entry-level travel cards, including the Discover it ® Miles.
• Bottom line : This card skips the annual fee and the generous first-year welcome offer is ideal for budget-friendly travelers or someone looking for their first travel credit card.

Read our Discover it ® Miles review or jump back to this card’s offer details .

Best for gas and transit: Wells Fargo Autograph℠ Card

• Best features: This card’s mix of bonus categories should be a terrific fit if you’re looking for a low-cost way to earn rewards on both everyday travel and big trips. You’ll earn rewards at a great rate on everything from gas and transit to airfare and hotels, without worrying about maximizing point values or offsetting an annual fee.
• Biggest drawbacks: Its list of perks is just okay, even for a no-annual-fee travel card. You’ll miss out not only on benefits like expedited security screening and lounge access, but also the ability to transfer points to airline and hotel loyalty programs.
• Alternatives: Though it may earn rewards at a lower rate, the Capital One VentureOne Rewards Credit Card could be a great alternative. Its streamlined, flat-rate rewards program is a great fit if you’re new to earning miles, and the card gives you the flexibility to transfer miles to Capital One airline and hotel partners, which could boost their redemption value.
• Bottom line: The Autograph card is a great option if you want to earn rewards on everyday travel and need the flexibility to redeem for both travel and cash back.

Read our Wells Fargo Autograph℠ Card review or jump back to this card’s offer details .

Best for budget flyers: Southwest Rapid Rewards® Plus Credit Card

• Best features : This entry-level airline card has some of the same popular features as more expensive Southwest consumer travel cards, including a chance to earn the Southwest Companion Pass® – one of the most coveted perks in all of travel rewards. If you earn 135,000 points in a year, you can pick a companion to fly with you for free (except for taxes and fees) for up to two years on any Southwest flight that you purchase with cash or points.
• Biggest drawbacks : Unlike some other airline cards, this no-frills card doesn’t earn bonus points in popular everyday categories like gas or grocery stores. Plus, the card’s anniversary bonus of 3,000 points is lower than the Southwest Rapid Rewards® Premier Credit Card’s bonus.
• Alternatives : The Delta SkyMiles® Gold American Express Card may be a better fit for budget travelers. It comes with a $0 intro annual fee for the first year (then $150) and a chance to earn bonus miles faster thanks to practical bonus categories including restaurants and U.S. supermarkets. It also has a number of convenient features like priority boarding and a chance to earn a $200 Delta flight credit. Plus, Delta and its partner network are much more extensive than Southwest.
• Bottom line : The Rapid Rewards Plus card is a decent choice for occasional Southwest flyers looking for a cheap rewards travel card. But if you fly Southwest frequently and want to double your anniversary points while avoiding foreign transaction fees, consider upgrading to the Southwest Rapid Rewards® Premier Credit Card and its higher annual fee of $99.

Read our Southwest Rapid Rewards Plus Credit Card review or jump back to this card’s offer details .

Best for travel credits: Bank of America® Premium Rewards® credit card

• Best features : Along with perks like an annual credit up to $100 for airline incidentals, which includes seat upgrades and airline lounge fees, this card offers a credit of up to $100 to cover the cost of a TSA Precheck or Global Entry application. That perk isn’t always included on travel cards at the $95-annual-fee level. You can also redeem for cash back as a deposit into Bank of America® checking or savings accounts or for gift cards and purchases at the Bank of America Travel Center.
• Biggest drawbacks : Unlike many travel rewards cards with an annual fee, this card doesn’t let you transfer rewards to partner airline or hotel loyalty programs to squeeze more value out of your points. Plus, the card’s best rewards rates are reserved for people with large savings or investment accounts with Bank of America.
• Alternatives: The Chase Sapphire Preferred card has greater flexibility for travelers who want to transfer their points to airline or hotel travel partners. It also comes with better redemption value if you book travel through the Chase Travel℠ portal and travel protections.
• Bottom line : This card could be a good fit for heavy packers who can take advantage of the airline incidental fee credits or people who already have a Bank of America account. Those who are loyal to one airline or don’t bank with Bank of America may not find much value in this card.

Read our Bank of America Premium Rewards credit card review or jump back to this card’s offer details .

Best for point value: Chase Sapphire Reserve®

• Best features : This top-of-the-line card comes with a wealth of travel perks, including a sign-up bonus worth $900 when redeemed through Chase Travel℠ (60,000 points after spending $4,000 in the first three months). In addition to the $300 travel credit, you can try out services like Instacart+ and DashPass for free for one year.
• Biggest drawbacks : Despite the annual credit and elevated bonus categories, the card’s $550 annual fee might be challenging to offset every year.
• Alternatives : If you’re looking for a card with annual credits and luxury lounge access, The Platinum Card® from American Express offers a wider network but carries a slightly higher annual fee of $695.
• Bottom line : Frequent travelers who can take full advantage of the Sapphire Reserve card’s perks and bonus categories can also enjoy the card’s boosted value on travel redemptions.

Related : Chase Sapphire Preferred vs. Ch ase Sapphire Reserve

Read our Chase Sapphire Reserve review or jump back to this card’s offer details .

Best for United MileagePlus members: United Quest℠ Card

• Best features : Even semi-frequent United flyers can come out ahead with this mid-tier airline credit card, thanks to all the ways the card’s perks can offset its $250 annual fee. That includes multiple anniversary credits, priority boarding, checked baggage fee waivers and the up to $100 credit for TSA Precheck or Global Entry application fee.
• Biggest drawbacks : Unlike other airline cards with a high annual fee, the United Quest doesn’t offer complimentary lounge access. Plus, the sign-up bonus has a high spend requirement: You’ll need to spend $4,000 in the first three months to earn the sign-up bonus of 60,000 miles plus   500 Premier Qualifying Points.
• Alternatives : If the annual fee doesn’t fit your budget, the United℠ Explorer Card is worth a look since it has a $0 intro annual fee (then $95 annually), but still carries a generous sign-up bonus, priority boarding, purchase and travel protections and an up to $100 credit for TSA Precheck or Global Entry application fee.
• Bottom line : The United Quest Card packs in a lot of perks and value, making it a solid pick for loyal United travelers looking for an enhanced travel experience.

Read our United Quest℠ Card review or jump back to this card’s offer details .

Best hotel credit card: Marriott Bonvoy Boundless® Credit Card

• Best features : This card offers great long-term value for frequent travelers who stay at the world’s largest hotel chain a few nights or more per year. You get plenty of chances to offset the $95 annual fee, including a free night every year after your account anniversary (up to 35,000 points) and a high rewards rate in the popular, practical bonus categories of travel, grocery, gas and dining purchases, as well as a flat rate of 2X points on all other eligible purchases.
• Biggest drawbacks : You can only use your rewards with Marriott hotels. So if you don’t frequent the brand, you’ll be better served by a different hotel credit card or a general-purpose travel rewards card, which offers greater flexibility in how you redeem your rewards.
• Alternatives : If you’re not loyal to one hotel chain, the Chase Sapphire Preferred should give you more redemption options. It earns bonus points on travel, dining and select online grocery purchases – points that can be redeemed in a variety of ways, including for travel, or transferred to one of Chase’s airline or hotel partners. And when you redeem for travel through the Chase Travel℠ portal, your points have 25% more value.
• Bottom line : Travelers who stay at Marriott frequently enough to offset the $95 annual fee will appreciate this card. But depending on your spending habits and the hotel features that matter most to you, you may get greater value with another Marriott card .

Read our Marriott Bonvoy Boundless Credit Card review .

Best no annual fee airline card: American Airlines AAdvantage® MileUp® Card

• Best features : This no-annual-fee airline card gives households a chance to earn miles on more than just travel. You’ll earn 2X miles not only on eligible American Airlines purchases, but also at grocery stores, which increases the card’s earning potential for the average consumer. The MileUp card also has a low spend threshold for its sign-up bonus: Spend just $500 in your first three months and you’ll earn 10,000 miles and a $50 statement credit.
• Biggest drawbacks : This card lacks a number of cost-saving perks found with other airline cards, including a free first checked bag for you and additional passengers and a chance to earn travel credits for your spending. Depending on how often you fly and how many people you travel with, you could actually save more money with a travel card that charges an annual fee.
• Alternatives : The Delta SkyMiles® Gold American Express Card has a similar rewards rate and charges no annual fee for the first year, then $150 thereafter. That gives you time to test out perks you won’t find with the MileUp card, like priority boarding, a first checked bag free for you and eight additional passengers and a chance to earn a $200 flight credit after spending $10,000 in a calendar year.
• Bottom line : This card is worth a look if you’re loyal to American Airlines but only fly occasionally and are looking for a no-annual-fee credit card . But if you want the flexibility to fly with different carriers while still earning high rewards, you may get better value out of a general-purpose travel rewards card.

Read our American Airlines AAdvantage MileUp review .

How do travel credit cards work?

Travel rewards credit cards let you earn points or miles you can redeem for travel purchases. Some offer a flat rate on general purchases, but many offer bonus rewards for typical travel purchases or everyday spending categories, like restaurants, gas or even groceries.

Earning points or miles is usually as easy as swiping your card, and some cards provide limited-time offers and sign-up bonuses to add more incentives. The basics of points and miles cards are pretty much the same. You earn and accumulate rewards by making purchases with your card, and redeem for a discount on your next trip.

Your redemption options will vary by card. Most require that you redeem points or miles for travel purchases. (Some let you redeem for gift cards or cash back, but it might be at a lower value.) You can typically redeem points or miles by booking future trips through a designated portal, like Amextravel.com or Chase Ultimate Rewards, or transferring rewards to an issuer’s travel partners to book flights or hotel stays. Some allow you to redeem for a statement credit on travel purchases made within a certain time frame.

Your redemption options will vary by card. Typical options include:

• Booking new travel
• Transferring points or miles to a travel partner
• Statement credit for past travel purchases

Redeeming for travel often yields the best value, while non-travel options like gift cards might have a lower redemption value. You can typically redeem points or miles by booking future trips through a designated portal, like Amextravel.com or Chase Ultimate Rewards, though some let you redeem directly with the airline or third-party travel agency.

General travel credit cards + –

General travel or general-purpose credit cards aren’t tied to or co-branded with a particular airline or hotel. They are best for any traveler who values flexibility in how they earn and redeem rewards.

Depending on the card, you can earn higher points not only on travel-related purchases, but also in popular categories like groceries, gas and dining. You can redeem the points you earn in many different ways, like statement credits and travel. A 1-cent-per-point value is typical, but points may be worth less when used for non-travel options or more if transferred to the right travel partner.

Transferring your points over to an airline or hotel loyalty program can help you strategize so you can get the most out of your points. However, average point values vary from program to program, so you’ll need to test out different routes and carriers to see how far your points can take you before you transfer points between loyalty programs.

Some of the most popular rewards programs for general travel credit cards include:

• American Express Membership Rewards
• Chase Ultimate Rewards
• Capital One Travel
• Citi ThankYou Points

Is a general travel credit card worth it?

Co-branded cards usually feature high-value airline or hotel perks. Examples like automatic hotel elite status, companion passes or free checked bags could be worth hundreds or even thousands of dollars.

But general travel cards give you more flexibility to choose how you travel and where you stay. Plus, plenty of general travel cards come loaded with valuable benefits not tied to specific airlines and hotels — especially if you’re willing to pay an annual fee.

Most general travel cards carry higher rewards rates compared to airline cards with similar annual fees, which gives you a chance to earn more rewards faster. And you’ll have a number of redemption options that make each of your points worth at least 1 cent, which is worth more than the rewards you’ll earn with most hotel rewards programs and some airline rewards programs.

Here’s a look at some of the top features your general travel card may offer:

• Annual travel credits : Premium cards like the Capital One Venture X and Chase Sapphire Reserve reward cardmembers with annual travel credits worth hundreds of dollars, which you can use to offset previous travel costs or book new travel through the card’s travel portal.
• Airport lounge access : A number of mid-level and premium travel cards offer discounted or complimentary airport lounge access for you and your guests. Users can enjoy amenities like complimentary food and drinks, showers or even spa treatments. Popular airport lounge networks include Priority Pass lounges and the exclusive American Express Global Lounge Collection.
• Luxury hotel benefits : Your card issuer may offer Visa or Mastercard’s luxury hotel collection benefit. This perk can lead to room upgrades, free breakfast, food or beverage credits and late check-out. This is typically offered with credit cards with Visa Signature or Infinite benefits or cards with Mastercard World or World Elite benefits, though you’ll have to check with your card issuer to be certain.
• Car rental elite status : With the right general travel rewards card, you can not only rent a car but also get discounts and status upgrades that let you skip the lines when renting and returning, as well as vehicle upgrades based on availability and other exclusive perks.

Airline travel credit cards + –

Airline credit cards are co-branded cards that carry the name of the card issuer and a particular airline. They’re a great fit for travelers who regularly fly with a particular airline and can take advantage of the perks found within its rewards program.

Some of the most popular airline rewards programs include:

• Alaska Airlines Mileage Plan
• American Airlines Aadvantage
• Southwest Rapid Rewards
• Delta SkyMiles
• United MileagePlus

Like general travel cards, airline rewards cards can earn rewards on a variety of purchases, but your redemption options are more limited. To get the best value, you’ll typically want to redeem your rewards for flights with the airline or one of its partners.

Is an airline credit card worth it?

They offer less flexibility and might have an annual fee, but airline cards can make your travel experience easier and save you a lot of money, even after you factor in the cost of an annual fee.

Here’s a look at some of the top airline credit card benefits:

• Free checked bags :   Avoid paying a fee for your first checked bag and a travel companion’s bag. Many airlines charge $30 to $35 per checked bag, per trip, so the savings can add up, especially if you’re traveling with a large family.
• Fast track to elite airline status : Frequent flyers looking for an enhanced flying experience will have to spend thousands of dollars and spend a lot of time in the air to unlock the top-of-the-line perks that come with elite status. But the right airline credit card can cut down on the eligibility requirements and may even come with automatic elite status or welcome offers and additional credits that get you elite status faster.
• Travel companion pass : Earning an airline companion pass takes some work, but if you qualify you can bring a passenger along on a future flight for free (though you’ll still have to pay taxes and fees). Some airlines even offer companion passes that let you bring a guest with you on any flight you book for a year or more.
• Priority boarding : This perk helps you quickly board a plane and get your carry-on stowed away in an overhead bin before it fills up.
• In-flight discounts : This perk helps you save on drinks, snacks and other extras purchased on your flight. You’ll typically enjoy a discount of 20% to 25% off.

How to choose an airline

It’s best to select a card co-branded with an airline that you will use frequently, which typically means choosing an airline that flies out of an airport close to where you live, or one that you use the most. Smaller hubs may have limited options, but you should check to make sure that the airline you want has routes at your preferred airport. For example, Southwest does not fly out of Newark Airport, so if Newark is your primary airport another co-branded airline card might be a better fit.

Hotel travel credit cards + –

Hotel credit cards are co-branded cards that earn points you can redeem for stays with a specific hotel chain. Some of the most popular hotel rewards programs include:

• Marriott Bonvoy
• Hilton Honors
• IHG One Rewards Club
• World of Hyatt

Is a hotel credit card worth it?

Like airline credit cards, hotel credit cards can pack in a lot of brand-specific perks to reward your loyalty. Some cards offer supersized rewards rates, typically for hotel-related purchases. These earning rates can make it easier to quickly rack up points for future visits.

On top of the high-earning potential, hotel travel cards may also come with some of the following benefits:

• Free night : Many hotel cards automatically reward you with a free night at select properties every year on your anniversary. Others give you a chance to earn a free night after you spend a certain amount on the card.
• Room upgrades : Your card could automatically qualify you for room upgrades when available, giving you more space or better views.
• Elite hotel status : Some of the best hotel cards come with automatic elite status, making you eligible for exclusive perks, while others put you on a fast track to achieve higher levels of elite status.

How to choose a hotel

While you should pick an airline card based on frequency and availability, choosing a hotel card might come down to personal preference. You’ll find most hotel chains concentrated in mid-to large-size cities, so you can select a hotel group that works best for your needs. Hotel chains often include a price range from luxury to budget friendly. For example, Marriott includes both Fairfield Inn & Suites and the Ritz-Carlton in its suite of hotels. So, whether you splurge on one trip or save costs on another, you can still earn rewards.

However, if you happen to travel a lot to very remote cities, you might want to ensure that your preferred hotel chain has a location there.

Business travel credit cards + –

Business travel cards are a terrific option if you own a company or work as a freelancer and travel often for work. They can be co-branded or a general travel card.

Some of the more popular business cards include:

• The Business Platinum Card® from American Express review
• Delta SkyMiles® Platinum Business American Express Card
• Southwest Rapid Rewards Premier Business Credit Card

Is a business travel card worth it?

Business travel cards offer a competitive rewards structure similar to other travel cards, but you can typically earn bonus rewards in business categories, like purchasing software and office supplies. Not only can business travel cards help keep your work and personal expenses separate, but they can also help you cut down on business costs.

You might see these benefits on a business travel card:

• Bonus rewards on large purchases : Some cards will offer an elevated rewards rate for big purchases, so you can earn miles or points for big-ticket items.
• No fee for employee cards : You can rack up even more points or miles when you add employees as authorized users at no additional cost. This action can also be a great way to track company spending.
• Account management tools: To help manage your company budget, business travel cards might come with apps or programs that could ease record keeping, like the ability to upload receipts quickly or link to a spreadsheet.
• Travel and hotel perks : Like other travel cards, you can often enjoy annual benefits, like a hotel reward night, lounge access or statement credits.

Co-branded travel cards versus general travel cards

The biggest difference between co-branded cards and general travel cards is flexibility. Co-branded cards are ideal for brand loyalists who prefer to commit to one particular airline or hotel group. They often come with perks that you might not find on general travel cards (like elite status or free checked bags), but how you earn and redeem rewards is limited to that specific brand.

For instance, you might feel locked in to book a pricier room with a co-branded hotel card even if there are more affordable options.

With general travel cards, you have more freedom to select flights or hotels that fit into your schedule and price range, but you might lose out on some perks. If you prefer flexibility, a general travel card might work better for you. If you enjoy more elite perks or are a fan of a particular brand, you might consider a co-branded card.

Pros and cons of travel credit cards

• Travel for less: Money-saving benefits, such as high travel reward rates, sign-up bonuses and travel credits, can help bring down the overall cost of travel.
• Generous perks: The best travel cards feature perks like room or seat upgrades, free hotel stays, statement credits and lounge access that might enhance your overall travel experience.
• Fast track to elite status: Elite status, which offers maximum program benefits for airlines or hotels, often takes time to earn. Some travel rewards cards help cut down on the qualification period, or they offer automatic elite status, which means you can start earning elite status benefits sooner.
• Earn points as a loyalty member along with rewards : If you are a loyalty member, then you can earn loyalty points with that hotel or airline brand as well as travel reward points when you book with a travel credit card.
• No foreign transaction fees : Most travel cards don’t charge a foreign transaction fee, which can help cut down costs when traveling abroad.
• Complex rewards programs: Keeping up with the travel rewards card program rules can be confusing, especially when redeeming or transferring points to a travel partner. It takes careful planning and calculation to ensure you are maximizing the value for your rewards.
• Limited redemption outside of travel: Travel cards typically provide the best value when redeeming for travel. While some cards offer redemptions for non-travel options, such as statement credits or gift cards, these are typically worth less.
• High annual fees: Determining whether an annual fee is worth it can be difficult, and many of the best travel credit cards have yearly costs starting from $95 to $100. Premier travel cards could have annual fees in the $200 to $700 range.
• Higher interest rates : Typically, travel cards carry a higher ongoing APR, so if you carry a balance every month, then a low-interest credit card or balance transfer card might be a better fit.
• Typically best only for frequent flyers : Since most travel cards offer the most elevated bonus rates for travel, such as flights, hotels and car rentals, you won’t reap its maximum benefits unless you fly often.

Who should get a travel credit card

• Frequent flyers . If you spend lots of time up in the air or staying at hotels, you can absolutely benefit from the rewards and perks that come with a travel credit card. But if you’re new to travel or only travel occasionally, look for no-annual-fee cards or ones with simple rewards categories. All globetrotters can appreciate the lack of foreign transaction fees many travel cards offer.
• Brand loyalists . Fans of particular airlines and hotel chains can reap some serious rewards with their go-to brands. Loyal customers can rack up an incredible amount of hotel points or flight miles using a card like the American Airlines AAdvantage MileUp or the Marriott Bonvoy Boundless.
• Luxury travelers . Vacationers looking for top-shelf travel perks may have to pay to carry their card, but The Platinum Card from American Express and the Chase Sapphire Reserve offer benefits that can easily offset their annual fees. You’ll find high-end earnings rates on your purchases to back it up. Take advantage of exclusive add-ons, like access to airport lounges, free checked bags, specialty offers and more.
• Road trippers . Some travel cards earn rewards on purchases at gas stations and hotel stays, which can be valuable if you’re on the road a lot. A hotel credit card like one in the Hilton Honors program or Marriott Bonvoy may be a great choice if you regularly take cross-country trips and stay at hotels.

Who should skip a travel credit card

• Fans of low-maintenance credit cards. While flat-rate travel cards are available, travel cards with fixed bonus categories or a tiered rewards structure often have the best rewards rates. The card that’s most fitting for you will depend on your spending habits. If you aren’t ready or willing to strategize to get the most out of your travel card, a more straightforward rewards credit card may be a better fit.
• Someone looking for flexibility . Cash back credit cards are usually more versatile and might work best for infrequent travelers or people with higher non-travel-related expenses. They can help you maximize your earnings on everyday categories like supermarkets, gas, transit, streaming services or online purchases. Mostly, redeeming can be far less complicated and far more flexible. Depending on the credit card, redemption options may include statement credit, direct deposit, check and travel.
• Someone prone to overspending . The best travel rewards credit cards can help you save a lot of money but only if you avoid a balance. Since rewards cards typically come with higher interest rates, paying your balances in full can save you money and create the best value. If you can’t, you run the risk of losing more money to interest charges than you earn in rewards. You may even fall into credit card debt. If you aren’t able to pay your balances in full, consider a low-interest credit card .

Do you know how much your points or miles are worth?

Choosing a card based solely on the number of miles or points you stand to earn can be a costly mistake. Redemption values can vary, and points and miles do not always transfer on a 1-to-1 basis, meaning 1,000 “miles” earned do not always translate to 1,000 miles of travel.

For example, the Citi Premier card has a sign-up bonus of 60,000 points after spending $4,000 in your first three months of account opening. With the Premier card, most redemption options have a baseline value of 1 cent, so this offer can be worth at least $600. But based on Bankrate’s latest point valuations , we estimate that the right high-value transfer partner could boost your point value up to 1.9 cents on average. That could make your sign-up bonus worth an incredible $1,140.

Compare that to a card like the IHG One Rewards Premier Credit Card, which offers a sign-up bonus of 140,000 points after spending $3,000 within the first three months. Since IHG Rewards are estimated to be worth 0.7 cents on average based on our points valuation, that comes out to a value of $980 dollars.

Understanding the true value of your rewards program can help you to maximize value and select the card that offers the best rewards for your spending habits.

How to calculate the value of your points and miles

To find the value of your points and miles, divide the cost of paying cash for the booking (such as the plane ticket or hotel room) by the number of points or miles required. Then compare this number to Bankrate’s points and miles valuation for the airline, hotel or credit card rewards program.

For example, if a flight on Southwest Airlines costs $800 out of pocket or 50,000 miles, the value is 1.6 cents per mile ($800 divided by 50,000 miles equals $0.016 or 1.6 cents). Since this is slightly higher than our estimated value of 1.5 cents per mile, you’re getting a good deal if you book this flight.

But if you redeem for a gift card instead and find a $25 card costs 10,000 Southwest Rapid Rewards miles, your value drops to 0.25 cents per mile ($25 divided by 10,000 miles equals $0.0025 or 0.25 cents). Since this is far below the 1.5-cent-per-point value you should look for, you’re better off using cash for this gift card and saving your points for a better deal.

How to compare travel credit cards

Deciding which travel credit card is best for you can be difficult. Many cards have similar redemption options, earn rewards in the same categories or cost more than you’re willing to pay for an annual fee. The right card for you will provide value with both perks and rewards rates that match your needs and align with purchases you already make.

To find the right one, you may find it helpful to compare several cards at once so you can see which one offers the best value for your personal finances and travel habits.

• Are you an occasional or frequent traveler? Frequent travelers typically have an easier time taking advantage of the numerous perks found with a travel card. If you travel less frequently, then a cash back card may make more financial sense.
• Are you loyal to a certain airline or hotel? If you’re a fan of a particular airline or hotel chain, you can enjoy specific benefits with that company’s co-branded travel card, like companion pass or annual hotel credits. A general-purpose card, however, gives you flexibility to choose any travel partner when traveling.
• What travel perks and protections matter most to you? Higher rewards status with hotels or airlines, access to airport lounges or automatic elite status are a few examples of travel perks a card might offer. You can also have more peace of mind with any travel protections that a travel card might provide, like trip cancellation and interruption insurance, lost baggage insurance and 24/7 global assistance. Make sure to look for a card that has the features that matter most to you.
• Do you have to change your spending habits to earn and redeem rewards?  Rather than tailoring your spending to match a card’s bonus categories, you might choose a card that already rewards your typical spending habits. Also, watch out for restrictions like spending limits, which can hinder your ability to earn maximum rewards. And when redeeming, make sure your card provides the best value. Some travel cards don’t provide the best value when redeeming for non-travel-related options, such as gift cards or statement credits.
• Does the card have sign-up bonuses and annual fees?  A card’s welcome offer can boost your first year earnings. Look for the spend requirement to ensure you can meet it without overspending. Additionally, a card’s annual fee can be a significant factor. Cards with high annual fees often offer some of the best rewards and perks, but if you can’t offset the fee every year it might not be worth it.
• How does the card’s international acceptance and foreign fees measure up?  For people who frequently travel internationally, this detail can be a game changer. A card without a foreign transaction fee can help budget your trip. But you also want to make certain that the card has broad international coverage. Some cards, like Discover, while working on their international network, might be riskier to carry abroad.

How to make the most out of your travel credit card

Whether you’re planning a quick getaway or extended trip, your rewards from a travel credit card can either enhance your experience or save you money. If you have your eye on Walt Disney World or a small family gathering, you can use these strategies now to experience an elevated trip in the future.

• Score a welcome offer . To make the most of your purchases and capitalize on travel rewards, seek out a welcome offer with an affordable spend requirement. Some of the top sign-up offers could be large enough to help you score free travel.
• Take advantage of the card’s bonus rewards categories . Find a travel rewards card that offers bonus points for purchases you already make to supercharge your earnings. For example, if your weekly work plans include lunch outside of the office, you could earn 3 points for every $1 spent at restaurants as a Citi® Premier cardholder, maximizing your earnings potential.
• Consider a travel card that earns transferable points . Transferable points are points earned with one travel card that can be redeemed with another participating program. Based on Bankrate’s latest point valuations, the right high-value transfer partner could be the best way to maximize your rewards earnings.
• Don’t forget your credit card benefits . Your travel credit card could have hidden credit card perks that make travel more enjoyable and save you money, such as complimentary breakfast at hotels or free checked bags. In just one trip, a family of four could easily offset a card’s annual fee through baggage fees alone. Other benefits, such as lost baggage coverage, not only reimburse you for clothing, toiletries or medication you had to purchase because of delayed or lost luggage, but provide additional peace of mind while traveling.
• Consider a credit card combination . Pair your travel card with another credit card that earns high rewards in areas you spend the most to maximize value. You may even be able to combine cards within the same rewards program. Chase, American Express, Capital One and Citi all offer some of the best credit card combinations that can help you rack up transferable rewards.
• Skip the foreign transaction fees . Make sure to take along a card that skips this common overseas charge, typically 3% charge anytime you use the card internationally. You can avoid this by choosing a travel credit card that waives foreign transaction fees, such as the Capital One and Discover credit cards.

Alternatives to Travel Credit Cards

If you don’t want to commit to a travel card, but still want to earn travel rewards, then you have options.

• A cash back credit card lets you earn cash rewards, which you can often redeem for a statement credit to cover travel and other purchases.
• A card with a 0% intro APR might work better for people planning a large purchase. It can help you budget for a trip, as long as you can pay off the balance before the intro offer period ends.
• A no-annual-fee card that also carries no foreign transaction fees might suit infrequent travelers. With this type of card, you can still save on trips abroad without worrying about added fees or offsetting costs every year.

In the news: What is credit card travel insurance?

Travel insurance, or trip insurance, is a policy providing reimbursement or resources if something goes wrong during your trip. The coverage of the trip insurance varies depending on if it’s provided through a credit card or purchased as a separate policy.

Credit cards may provide a form of trip insurance when you use your card to pay for trip-related expenses. Credit card travel insurance can cover everything from trip cancellation and trip interruption, to lost luggage and car rental loss and damage insurance.

In some cases, the coverage provided by the credit card may be enough to cover your needs for a travel-related event. But confirm the benefits before you travel and make sure it offers the right coverage, for example, if you are traveling internationally or need a “cancel for any reason” policy.

How we picked the best travel cards

Research methodology : We analyzed 300 travel rewards credit cards to identify the best offers currently on the market. The major factors we considered include:

• Rewards rate : Does the card offer a competitive rewards rate for the travel category? For general purpose travel cards, this rate is generally between 1.25X to 2X rewards. For co-branded hotel or airline credit cards, we looked for a rate between 3X and 10X points on brand purchases, plus a competitive rate in other bonus categories.
• Welcome offer : Annual fee travel credit cards, in particular, may offer a welcome bonus valued between $500 to $900. We considered the value of the sign-up bonus, alongside the required spend to receive it.
• Additional travel perks : We considered whether the card offers additional travel benefits beyond base rewards. For instance, for airline credit cards, we considered whether they offered priority boarding, a free checked bag or lounge access. For hotel credit cards, we considered whether they offered upgrade opportunities for Wi-Fi and free hotel stays with a card anniversary. For premium travel credit cards, we considered whether the card touted travel credits, travel insurance and other benefits that justified the high annual fee.
• Rates and fees : Travel credit cards do tend to carry annual fees and higher APRs than low-interest credit cards. However, we considered how a card’s APRs compared to the current credit card industry average and whether any fees could be avoided or recouped by its travel rewards and benefits.

All criteria used : Rewards rates, rewards categories, sign-up bonus, point values, transfer partners, redemption options, redemption flexibility, annual fee, other rates and fees, travel credits, airport lounge access, travel accident insurance, lost luggage reimbursement, concierge service, other travel benefits, travel portal functionality, credit needed, customer service, events or other perks

More information on travel credit cards

For more information on all things travel cards, continue reading content from our credit card experts:

• Cash back vs. points
• Trip cancelation reimbursement by credit card
• No foreign transaction fee credit cards

Frequently asked questions about travel credit cards

What is the difference between points and miles on a credit card + –.

When you’re shopping for a travel credit card, you’ll likely have two rewards currencies to choose from: points and miles.

Credit card points are the more flexible of the two options, usually allowing you to redeem your rewards for flights or hotel stays with a number of brands. Some cards allow you to redeem points for cash back, gift cards or merchandise, but often at a lower value than a travel redemption.

Credit card miles usually refer to frequent-flyer miles with a particular airline, such as Delta or United. If you have a miles-earning card, this usually means you can only redeem your miles for flights with one particular airline, though there are exceptions. These types of cards are also called co-branded cards and often come with additional perks like free checked bags.

What credit score do you need for a travel credit card? + –

Travel credit cards often feature higher rewards rates and numerous benefits, which typically means the odds of approval are higher for someone with a good or excellent credit score — usually around a 670 FICO score or higher.

But someone with bad or fair credit still has options. Although the credit card may not be labeled specifically as a travel rewards card, cards like the Capital One QuicksilverOne Cash Rewards Credit Card don’t require great credit and offer rewards in travel categories like hotels and rental cars.

Do travel points and miles expire? + –

Typically, rewards won’t expire for the life of the account. However, each card is different so it’s always best to read your card’s terms and conditions. For instance, some cards do have rewards that expire after a period of inactivity. In some cases, you could forfeit your rewards by missing a payment or canceling a card . Every card comes with its own set of rules, so always read the fine print.

How many miles do you need for a free flight? + –

The miles you’ll need for a free flight depend on the type of card you have, its rewards and redemption structure and whether it offers bonus value on travel redemptions.

For example, If you book through Amex, your points are worth 1 cent apiece on travel redemptions. That means if a flight costs $500, you’ll need 50,000 points to book. However, with Chase Ultimate Rewards, points are valued at 1.25 cents, so a $500 trip would need only 25,000 points.

What purchases are part of the travel category for travel credit cards? + –

How purchases are categorized depends on both the merchant and the issuer and may vary from card to card. Typically, bookings for airlines, hotel stays and rental cars will fall under travel. However, some cards, such as the Bank of America Travel Rewards card, broaden the category to include other types of purchases like timeshares, campgrounds and parking garages.

Check the issuer’s website or contact the issuer directly to get a complete list of what is considered travel for your specific card.

About the Author

Jeanine Skowronski

Jeanine Skowronski is a credit card expert, analyst, and multimedia journalist with over 10 years of experience covering business and personal finance. She has previously served as the Head of Content at Policygenius, Executive Editor of Credit.com, Deputy Editor at American Banker, Staff Reporter at TheStreet and a columnist for Inc. Magazine.

About the Editor

Robert Thorpe

Robert Thorpe is an editor for CreditCards.com

About the Reviewer

Stephanie Zito

Stephanie Zito is a professional traveler, humanitarian and credit card points collector sharing savvy travel tips she has learned firsthand from more than 20 years of circling the globe as a backpacker, expat and premium traveler in more than 125 countries and all seven continents.

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Best Business Credit Cards

Business cards are an often overlooked opportunity to add more points and miles to your collection.

Many people feel like they don’t have a legitimate enough business to open a business card. I’m here to tell you that often isn’t the case.

Follow along and I’ll show you why you’re likely eligible to open a small business card, and why you should consider adding some of the best business cards to your wallet.

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Business Card Overview

When we talk about business cards, there’s a key word that is often left out: small.

When talking about business cards, we aren’t talking about corporate cards that you may have been issued by a company you work for. Instead, these cards are often for smaller businesses needing credit extended to help get them through their daily operations.

Business cards come in all different types. There’s cards that earn transferable bank points, co-branded business cards, and cash-back business cards. You can choose from no annual fee business cards to premium business cards.

Basically, for every personal card out there you can find a nearly identical business card. This virtually doubles the amount of points that you can earn.

While there are a lot of similar benefits between personal and business cards, you’ll find some unique benefits that are made to help businesses that may not be as useful for individuals.

Before diving into what you should expect from business cards it’s important to know if you’re eligible to open a business card.

Who is Eligible for a Business Card?

Let’s be frank. The benefits of business cards, or what the best business cards are simply don’t matter if you’re not eligible to open a business card.

I’ve got good news for most of you. Most people are eligible to open a small business card.

You may be thinking “well I don’t have a formal business,” but thankfully that doesn’t matter. Many people have a business without even knowing it.

Having a business without knowing about it sounds a bit crazy, but it is pretty likely that outside of your day job you engage in activities to make a profit. If you drive for Uber on the side, you have a business. Ever sold something on Amazon or eBay? That’s a business.

Anything that you do to try and make a profit is all you need to have a business. You don’t need a tax ID number, you don’t need a formal LLC, none of that.

Most likely, you are operating as a sole proprietor rather than as a company. And that’s perfectly fine for the purposes of applying for a business credit card.

Think about what you do for a business, and you’ll likely find that you’re eligible to open a small business card.

Other than the obvious points, what unique benefits do you get from opening a business card?

Benefits of Business Cards

Obviously, the ability to earn more points is one reason people choose business cards, but there are other benefits that make business cards beneficial to business owners.

One benefit of business cards is that some, but not all, don’t report to your personal credit report. It makes sense, because the credit is being extended to the business and not you.

This doesn’t mean you won’t have your credit report pulled. Most banks will pull your personal credit report when you apply, and you are still personally responsible for any charges made on the card. It means what it means: for some cards it won’t show up on your personal credit report.

Business cards are also a great tool to separate your personal expenses from your business expenses. This can really help simplify your business accounting so you don’t accidentally load a personal expense into quickbooks or other accounting software.

If your business has employees, you can also add employee cards. This lets you earn points for all of your business spend rather than reimbursing employees. You can set controls that require your approval for purchases over a certain amount, and set overall spending limits for your employees.

While these benefits make sense for business cards, there are some similar benefits between personal and business cards. These benefits appear the same, but there are some important differences to be aware of.

The Biggest Differences Between Personal and Business Cards

You’ve seen some distinct benefits to business cards that simply don’t make sense for personal cards, but there are a lot of benefits that mirror each other. These benefits have some important differences.

First, the bonus categories on business cards tend to be for categories that businesses would spend more at. Office supply stores, shipping companies, and digital advertising are common bonus categories on business cards.

Some business cards offer credits similar to personal credit cards. Business cards that are tailored to travel offer travel credits just like their personal counterparts. However, some cards come with credits to offset the cost of shipping expenses, telecommunication or cell phone bills, and the purchase of electronics for your business’s use.

Other benefits, such as travel insurance and purchase protection are all present on business cards just as they are on personal cards. It all comes down to choosing the right card to fit your needs.

Best Overall Business Cards

Picking just one overall business card is going to be impossible. There will definitely be a few that come up in multiple categories. This means if you’re looking for a card that has broad business benefits, take a look and see which cards are recurring in our lists below.

Best Business Cards for Businesses that Ship Items

Etsy shops owners, eBay companies, Amazon stores, and any business that ships goods will truly benefit from a business card that offers an increased bonus for shipping items.

Best Premium Card: Businesses that Ship Items

American Express® Business Gold Card

Membership Rewards® Points

after spending $10,000 in the first 3 months. Terms apply.

Annual Fee: $375 | Terms Apply. | Rates & Fees.

Best Value Card: Businesses that Ship Items

Chase Ink Business Preferred® Credit Card

Chase Ultimate Rewards Points®

after you spend $8,000 on purchases in the first 3 months after account opening

Annual Fee: $95 | Terms Apply.

Best No Annual Fee Card: Businesses that Ship Items

The Blue Business® Plus Credit Card from American Express

Membership Rewards®

after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership

Terms Apply. | Rates & Fees.

Best Co-Branded Card: Businesses that Ship Items

Marriott Bonvoy Business® American Express® Card

Earn 3 Free Night Awards

after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Redemption level up to 50,000 Marriott Bonvoy® points for each bonus Free Night Award, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.

Annual Fee: $125 | Terms Apply. | Rates & Fees.

Best Business Cards for Businesses that Travel Often

You’ve probably ended up on this site because you like to travel. Sometimes, travel isn’t limited to just personal travel or vacations. Many businesses have a lot of travel as well. If your business involves travel, whether it is for consulting or for conferences, you’ll want to be sure to choose one of the best business cards for businesses that travel often.

Some of these cards include travel insurance, baggage insurance, and trip cancellation insurance. These coverages can really come in handy, especially if your bags are delayed and you need a change of clothes for a meeting.

Best Premium Card: Businesses that Travel Often

The Business Platinum Card® from American Express

after you spend $20,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership

Annual Fee: $695 | Terms Apply. | Rates & Fees.

Best Value Card: Businesses that Travel Often

Best no annual fee card: businesses that travel often, best co-branded card: businesses that travel often.

United℠ Business Card

Bonus Miles

after you spend $5,000 on purchases in the first 3 months your account is open.

Annual Fee: $0 for your first year, then $99. | Terms Apply.

Best Business Cards that Earn Bank Points

Many of us are in pursuit of bank points, and business cards won’t leave you out to dry. There are plenty of business cards that earn flexible bank points. If some of the other benefits associated with business cards don’t really appeal to you, earning bank points is a good choice to maximize your business’s spend.

Best Premium Card: Bank Points

Best value card: bank points.

Capital One Spark Miles for Business

after you spend $4,500 in the first 3 months

Annual Fee: $0 for your first year, then $95. | Terms Apply.

Best No Annual Fee Card: Bank Points

Chase Ink Business Unlimited® Credit Card

bonus cash back

after you spend $6,000 in 3 months

Terms Apply.

Best Business Cards for Hotels

Hotel spend can add up fast for a business, especially if you’re a business that plans a lot of conferences or travels a lot to hotels. Being able to get the most out of your business’s hotel spend can help you accumulate a lot of flexible points or hotel points.

Sometimes, choosing a flexible points card that earns at a lower rate may make more sense if your business isn’t loyal to one hotel group over another. Below you’ll find the best premium, value, and no annual fee card based on flexible points. We will also include the best business cards for each hotel group, so if your business’s hotel spend does tend to be with one hotel group you can get the best points and benefits with that group.

Best Premium Card: Hotels

Best value card: hotels, best no annual fee card: hotels, best business credit card for hilton hotels.

The Hilton Honors American Express Business Card

Limited Time Offer: 175,000

Hilton Honors Bonus Points

after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 6/5.

Annual Fee: $195 | Terms Apply. | Rates & Fees.

Best Business Credit Card for Marriott Hotels

Best business credit card for hyatt hotels.

World of Hyatt Business Credit Card

Bonus Points

after you spend $5,000 on purchases in your first 3 months from account opening

Annual Fee: $199 | Terms Apply.

Best Business Cards for Flights

If you fly for business, you’re likely racking up the miles and status already! That shouldn’t stop you from getting as much as you can out of your business flights.

Similar to the best business cards for hotels, the best business card for flights truly depends on if you are loyal to one airline or not. For businesses who keep most of their travel with one airline, look to the best business cards for each airline. If, instead, your business just books the cheapest flight option then I’d recommend choosing a card that earns transferable points.

Best Premium Card: Flights

Best value card: flights, best no annual fee card: flights, best business card for american airlines.

AAdvantage® Aviator® Business Mastercard

No current offer

Best Business Card for United

Best business card for delta.

Delta SkyMiles® Platinum Business American Express Card

Earn 65,000

after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership.

Annual Fee: $350 | Terms Apply. | Rates & Fees.

Best Business Card for Southwest

Southwest® Rapid Rewards® Performance Business Credit Card

bonus points

after you spend $5,000 on purchases in the first 3 months from account opening

Best Business Cards for Amazon

While some businesses are mostly remote and don’t need much inventory, other businesses rely on supplies to be able to perform their functions smoothly. Many small businesses rely on Amazon to get the supplies they need with ease and speed.

If your business spends a lot on Amazon, it can be worthwhile to look at some cards to help earn rewards on all your business’s Amazon purchases.

Best Premium Card: Amazon

Best value card: amazon, best no annual fee card: amazon, bottom line.

There’s a lot of great business cards out there. Many people have a small business, even if they don’t think they do. There are a lot of great business cards out there to choose from. In addition to the sign up bonuses, you’ll find benefits to help your small business thrive.

Can I combine points from my business cards with my personal cards?

Yes you can combine points from your business cards with your personal cards. Although the process will vary between banks, you can easily combine any transferable rewards points between your business and personal accounts.

For co-branded cards, simply add your personal frequent flyer account or hotel loyalty number and the points will be credited to your personal account.

Do I have to exclusively redeem points for business use?

Not at all! The points you earn are yours and do not have to be redeemed for business use. Just like any frequent flyer miles you earn from business flights don’t have to be used for your business, points earned from business credit cards don’t as well.

How do points and miles earned impact my business taxes?

We aren’t accounting professionals, so you should definitely consult your accountant. While this is not tax advice, typically points and miles earned are considered rebates and aren’t taxable as income. Again, you should consult with your accountant for how the earning of points and miles impacts your business specifically.

I have partners in my business, can I still open a business card?

This very much depends on your business’s operating agreement. You should consult the operating agreement and your partners to see if this is permitted.

If I open employee cards, will I earn the rewards from my employee’s spend?

Yes. The spend that your employees put on your business card will generate rewards for you. Your employees won’t have access to the rewards.

Do I need a business EIN to open a business credit card?

No, you do not need a business EIN to open a business card. When applying for a business credit card you may be asked to provide an EIN. You can put in your social security number

My business doesn’t spend that much, can I put personal spend on a business card?

There’s nothing inherently restricting you from putting personal spend on a business card.

Do the same restrictions apply when opening a business card as opening a personal card?

Yes, common restrictions such as the Chase 5/24 rule, and Amex’s once per lifetime bonus restriction apply to business cards as well. Always check the terms and conditions of the card you’re applying for to be certain of any restrictions that may apply.

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Travel Rewards Business Credit Cards

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Business Advantage Unlimited Cash Rewards Mastercard ® credit card No annual fee †

Business Advantage Unlimited Cash Rewards credit card

Online offer: $300 statement credit bonus, interest rates & fees summary †, introductory apr, standard aprs for purchases and balance transfers, balance transfer fee.

of each transaction (minimum $0) †

• Earn  unlimited 1.5% cash back , or join Preferred Rewards for Business for no fee , and earn up to an unlimited 2.62% cash back  on all purchases if you have a Bank of America ® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier. Learn more about  Preferred Rewards for Business  tiers and bonus rewards. Calculate rewards .
• Choose how to redeem your cash rewards – as a deposit into your Bank of America ® checking or savings account, as a card statement credit or as a check mailed to you.
• 0% † introductory APR on purchases for the first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% - 28.49% will apply.
• This online only offer may not be available if you leave this page, if you visit a Bank of America financial center or call the bank. You can take advantage of this offer when you apply now.

† Terms & Conditions for Business Advantage Unlimited Cash Rewards Mastercard ® credit card

Business Advantage Customized Cash Rewards Mastercard ® credit card No annual fee †

Business Advantage Customized Cash Rewards credit card

• Earn 3% cash back in the category of your choice*, 2% cash back on dining purchases (for first $50,000 in those combined choice category/dining purchases each calendar year and 1% thereafter), and  1% cash back on all other purchases. OR Join Preferred Rewards for Business for no fee and earn up to 5.25% cash back in the category of your choice*, up to 3.5% cash back on dining purchases (for the first $50,000 in those combined choice category/dining purchases each calendar year), and up to an unlimited 1.75% cash back on all other purchases if you have a Bank of America ®  business checking account and qualify for Preferred Rewards for Business Platinum Honors tier. Learn more about  Preferred Rewards for Business  tiers and rewards. Calculate rewards . *Select categories include gas stations and electric vehicle (EV) charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services.
• Choose how to redeem your cash rewards – as a deposit into your Bank of America ® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire as long as your account remains open.
• 0% †  Introductory APR on purchases for the first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% - 28.49% will apply.

† Terms & Conditions for Business Advantage Customized Cash Rewards Mastercard ® credit card

Business Advantage Travel Rewards World Mastercard ® credit card No annual fee and no international transaction fees †

Business Advantage Travel Rewards credit card

Online offer: 30,000 bonus points, standard apr.

• Earn  unlimited 1.5 points , or join Preferred Rewards for Business for no fee , and earn up to an unlimited 2.62 points for every $1 spent  on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier. Learn more about  Preferred Rewards for Business  tiers and bonus rewards. Calculate rewards .
• Redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America ®  Travel Center, cash back or gift cards.

† Terms & Conditions for Business Advantage Travel Rewards World Mastercard ® credit card

Alaska Airlines Visa ® Business Card No international transaction fees and a low annual fee of $70 for the company and $25 per card †

Alaska Airlines Business credit card

50,000 bonus mile +  alaska's famous companion fare™ offer.

• Get 50,000 bonus miles and Alaska's Famous Companion Fare™  ($99 fare plus taxes and fees from $23) after you make $3,000 or more in purchases within the first 90 days of opening your account.
• Free checked bag for any cardholder and up to 6 guests on the same reservation when you pay for your flight with your card – that's a savings of $60 per person roundtrip ! Plus, Priority Boarding for any cardholder when paying for the flight with an Alaska Airlines Business card.
• Earn 3 miles for every $1 spent on eligible Alaska Airlines purchases, 2 miles for every $1 spent on eligible gas, EV charging station, shipping and local transit (including rideshare) purchases, and 1 mile for every $1 spent on all other purchases. Plus, earn a 10% rewards bonus on all miles earned from card purchases if your company has an eligible Bank of America ® small business account.
• Flexibility with no blackout dates on Alaska Airlines flights when booking with miles or companion fare. 
• This online only offer may not be available elsewhere if you leave this page . You can take advantage of this offer when you apply now.

† Terms & Conditions for Alaska Airlines Visa ® Business Card

Platinum Plus ® Mastercard ®  Business card No annual fee †

Platinum Plus ® Mastercard ®  Business card

• Save on interest with a competitive APR
• 0% †  Introductory APR on purchases for the first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.49% - 27.49% will apply.
• Separate your business and personal expenses
• Get employee cards at no additional cost to you and with credit limits you set
• Mastercard Easy Saving® Program – No coupons. No codes. Just automatic rebates when you pay with your card at tens of thousands of locations across the U.S. To learn more about the Mastercard Easy Savings® rewards program and participating merchants visit: http://www.priceless.com/easysavings

† Terms & Conditions for Platinum Plus ® Mastercard ®  Business card

Business Advantage Unlimited Cash Rewards Mastercard ® Secured credit card No annual fee †

Business Advantage Unlimited Cash Rewards Mastercard ® Secured credit card

Help strengthen your business credit while earning unlimited cash back.

• Open your account with a security deposit (minimum $1,000). Upon approval your credit line will be equal to your deposit amount.
• Build up your credit history – with consistent, on-time payments, you could improve your business credit over time.
• Seamless transition – we'll periodically review your account and if your overall credit history improves, you could transition to an unsecured card. Not all customers will qualify.
• Earn 1.5% cash back on every purchase, every time. No annual cap and rewards don't expire as long as your account remains open.

† Terms & Conditions for Business Advantage Unlimited Cash Rewards Mastercard ® Secured credit card

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Here are the 3 best chase balance transfer credit cards of 2024, save money with these chase credit cards that offer 0% introductory aprs on balance transfers..

Credit card interest rates are often higher than other financial products like personal loans or mortgages so it's best to pay off your credit card balance in full every month . However, that isn't always possible so many people may wind up with high-interest credit card debt. In these situations, taking advantage of a 0% balance transfer offer can reduce the interest you pay and help you pay off your credit card debt more quickly.

Chase is known for issuing some top travel credit cards , but it also has several cards that offer an intro 0% APR for balance transfers. Consider these Chase balance transfer credit cards if you're hunting for a balance transfer offer. (See our methodology for information on how we chose the best Chase balance transfer credit cards).

Best Chase balance transfer credit cards

• Best for long intro APR: Chase Slate Edge℠
• Best for cash back: Chase Freedom Unlimited®
• Best for rotating bonus categories: Chase Freedom Flex℠

Best for long intro APR

Chase slate edge℠, welcome offer.

Get an automatic review for a credit limit increase when you pay on time and spend $500 in your first six months.

0% for 18 months from account opening on purchases and balance transfers

Regular APR

20.49% - 29.24% variable

Balance transfer fee

Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that, either $5 or 5% of the amount of each transfer, whichever is greater.

Foreign transaction fee

Credit needed.

Excellent/Good

Member FDIC. Terms apply. Information about the Chase Slate Edge℠ has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.

• No annual fee
• Lower your interest rate by 2% each year: Automatically be considered for an APR reduction when you pay on time, and spend at least $1,000 on your card by your next account anniversary
• 3% foreign transaction fee
• No rewards program

Who's this for? The Chase Slate Edge℠ does one thing, and it does it well — reduce the interest you pay. Its longer-than-usual introductory APR offer makes it ideal for those seeking more time to pay off their balance.

Balance transfer offer : New cardholders are eligible for an intro 0% APR on eligible balance transfers and purchases for 18 months from account opening, then a 20.49% to 29.24% variable APR applies. This is one of the longest intro APR offers available and is especially useful since it applies to purchases, too.

An intro balance transfer fee of either $5 or 3% of the amount of each transfer (whichever is higher) applies to transfers completed in the first 60 days of account opening. After that, the balance transfer fee is $5 or 5% of the amount of each transfer (whichever is higher).

[ Jump to more details ]

Best for cash back

Chase freedom unlimited®.

Enjoy 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services, 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; and 3% cash back on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

Welcome bonus

INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

0% for the first 15 months from account opening on purchases and balance transfers

3% of each transaction in U.S. dollars

Member FDIC. Terms apply.

Read our Chase Freedom Unlimited® review.

• Rewards can be transferred to a Chase Ultimate Rewards card
• Generous welcome bonus
• 3% fee charged on foreign transactions

Who's this for? The Chase Freedom Unlimited® is geared toward those who want to earn cash back on their everyday spending and still want access to a helpful intro APR offer.

Balance transfer offer : New card members receive an intro 0% APR for purchases and balance transfer for the first 15 months, after that a variable 20.49% to 29.24% APR applies. For the first 60 days of account opening, there's an intro balance transfer fee of 3% of the amount of each transfer ($5 minimum). After that, a standard balance transfer fee of $5 or 5% of the amount of each transfer applies, whichever is greater.

Best for rotating bonus categories

Chase freedom flex℠.

5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate (then 1%), 5% cash back on travel booked through the Chase Ultimate Rewards®, 3% on drugstore purchases and on dining (including takeout and eligible delivery services), 1% cash back on all other purchases

Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

Member FDIC. Terms apply. Information about the Chase Freedom Flex℠ has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.

Read our Chase Freedom Flex℠ review.

• Opportunity to earn up to 5% cash back in select categories upon activation
• Bonus categories must be activated each quarter

Who's this for? The Chase Freedom Flex℠ is a great card for anyone who enjoys squeezing the most value out of their credit card thanks to its generous rotating quarterly bonus categories.

Balance transfer offer : New cardholders can take advantage of a 0% intro APR for the first 15 months on purchases and balances transfer, then a 20.49% to 29.24% variable APR applies. An intro balance transfer fee of either $5 or 3% of the amount of each transfer applies to transfers completed in the first 60 days. After that, the standard balance transfer fee is 5% of the amount of each transfer or $5, whichever is greater.

More on our top Chase balance transfer credit cards

The Chase Slate Edge℠ is a no annual fee card with several features that can help you pay less interest, but doesn't earn rewards.

Get an automatic review for a higher credit limit when you pay on time and spend $500 in the first six months.

Notable perks

With the Chase Slate Edge , you are automatically considered for a 2% APR reduction if you pay your monthly bill on time and spend at least $1,000 on the card before your next account anniversary (terms apply). While you'll want a plan to pay off your balance transfer before the interest kicks in, this feature can help you lower your APR compared to what you might pay with other credit cards.

This card's insurance benefits include purchase protection, extended warranty protection, roadside dispatch and rental car collision and theft coverage (secondary in the U.S.).

[ Return to card summary ]

The Chase Freedom Unlimited® is one of CNBC Select's top no-annual-fee cash-back credit cards with a unique intro bonus and a handful of useful benefits to complement its cash-back earnings.

• 6.5% cash back on travel booked through Chase Travel
• 5% back on Lyft rides (through Mar. 31, 2025)
• 4.5% cash back on dining
• 4.5% cash back at drug stores
• 3% cash back on all other purchases (on up to $20,000 spent in the first year)

Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year).

Cardholders can earn 5% cash back on Lyft rides through March 2025 and enroll for three complimentary months of DashPass (activate by Dec. 31, 2024). Purchases are also covered by a range of built-in protections like rental car collision damage insurance (secondary in the U.S.), extended warranty coverage, purchase protection and trip cancellation and interruption insurance.

While this is a cash-back credit card , you can boost the value of the rewards you earn by pairing this card with a Chase card that allows points transfers (such as the Chase Sapphire Preferred® Card ). By transferring the rewards you earn to travel partners like World Hyatt, United MileagePlus and Air Canada Aeroplan, you can potentially book luxury hotels and flights for fewer points.

The Chase Freedom Flex℠ packs a punch with generous rewards in bonus categories that change every quarter and an easy-to-earn welcome bonus.

• 5% cash back on the first $1,500 spent in categories that change each quarter, then 1% cash back (activation required)
• 5% cash back on travel booked through Chase Ultimate Rewards®
• 3% cash back on dining
• 3% cash back at drug stores
• 1% cash back on all other purchases

Earn a $200 bonus after spending $500 on purchases in the first three months from account opening. 

Cardholders receive discounts and special perks with partners like Lyft and DoorDash. There are also many valuable built-in protections for a no-annual-fee card, including:

• Cell phone insurance
• Rental car insurance (secondary in the U.S.)
• Extended warranty coverage
• Purchase protection
• Trip cancellation and interruption insurance

When you have a Chase card that unlocks the ability to transfer Chase points to hotel and airline partners (like the Chase Sapphire Preferred® Card) , it increases the value of the Freedom Flex. So this isn't only a strong standalone rewards credit card , but it has synergies with other cards.

How to complete a Chase balance transfer

Chase typically charges a balance transfer fee from 3% to 5% with a $5 minimum. Before you complete a balance transfer , be sure the interest you save will outweigh the fee.

There are several ways to do a balance transfer with Chase. One of the best and easiest options is to complete a balance transfer when you apply for a card. When you do this, you'll be able to make the most out of your intro APR because any 0% interest timeframe you qualify for begins when you open the card.

If you want to perform a balance transfer with a Chase card you already have, you'll need to log in to your account and follow these steps:

• Click "Pay & Transfer"
• Then click on the "Transfer" dropdown menu
• Select "Card balance transfers"

You can then select any of your Chase cards from a dropdown menu and see what balance transfer offers are available.

Are Chase balance transfers worth it?

When you make a balance transfer, you'll generally pay a fee of 3% to 5% of the balance. To determine whether a balance transfer is worth it, calculate how much you would save in interest compared to how much you'd pay in transfer fees.

What is one disadvantage of a 0% interest balance transfer card?

Aside from the balance transfer fees, the biggest downside to a balance transfer is you'll have the same amount of credit card debt as before. If you don't have a plan, or the resources, to pay off your debt before the intro APR expires, you'll be stuck paying interest once again.

Do balance transfers hurt your credit?

A balance transfer doesn't directly hurt your credit score and could help improve your credit if you're able to pay down your debt. However, you'll want to keep in mind that your credit score will temporarily dip when you apply for new credit (including a balance transfer card).

Bottom line

The top balance transfer cards Chase issues offer intro APR periods of 15 to 18 months, and these intro APR offers also apply to purchases, making them even more useful. If you're interested in paying less interest , these are some of the best offers available. When you're in credit card debt, your primary focus should be repayment, not earning rewards, but the fact that some of the cards on this list earn rewards is a nice bonus.

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card   article is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card   products .  While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See  our methodology  for more information on how we choose the best Chase balance transfer credit cards.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Our methodology

To determine which Chase cards are best for balance transfers, CNBC Select analyzed the Chase credit cards with intro APR balance transfer offers. We compared each card on a range of features, including the annual fee, rewards, welcome bonus and balance transfer fee. We also considered additional perks, consumer protections, the application process when available and how easy it is to redeem rewards. However, when you're in credit card debt, your priority should be repayment, so we focused more on the cards that provide consumers with the cheapest ways to pay off their debt rather than the number of rewards they could potentially earn.

Catch up on CNBC Select's in-depth coverage of  credit cards ,  banking  and  money , and follow us on  TikTok ,  Facebook ,  Instagram  and  Twitter  to stay up to date.

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It’s back by popular demand — Delta and American Express unveiled the next iteration of the limited-edition Boeing 747 Delta SkyMiles Reserve Card on the heels of the overwhelming response from Card Members when first launched in 2022 .  

The new limited-edition cards are cloud-white in color and made from two Delta Boeing 747 aircraft 1 that were retired after more than 27 years of service and feature each plane’s history, including their first and last flights, tail number and number of miles flown.   

The card is available exclusively for new and existing Delta SkyMiles Reserve and Reserve Business Card Members from April 25 through June 5, 2024, while supplies last. The new design comes after recent enhancements made to the Delta SkyMiles American Express Cards to improve the travel experience and deliver everyday value to Members, both in the air and on the ground. 

“At Delta, innovation and experience are at the core of everything we do,” said Prashant Sharma, V.P. of Loyalty at Delta Air Lines. “Each card carries the legacy of countless journeys and embodies the spirit of exploration that drives our customers and all of us at Delta. When combined with the recently upgraded benefits, these cards provide a nod to our storied past and symbolize the elevated experiences our customers can expect in their future travels.” 

In 2022, Delta and American Express launched the first iteration of the limited-edition Boeing Delta 747 Card design, one of the most iconic airplanes in aviation history. The new design is made with 33% metal from a retired Delta Boeing 747 plane and has a white glossy finish, which is inspired by clouds.  

“We’re bringing back one of our most popular Card designs ever with a new look honoring the ‘Queen of the Skies,’” said Jon Gantman, Senior Vice President and General Manager of Cobrand Product Management at American Express. “Given the strong response from customers with our first Card design, we wanted to find another exciting opportunity for aviation enthusiasts and Card Members to have a piece of aviation history in their wallets.” 

The Delta SkyMiles Reserve and Reserve Business American Express Cards offer premium travel benefits for Delta loyalists, including an enhanced Companion Certificate each year after renewal 2 , an MQD Headstart that helps you get closer to Status, miles accelerators, access to exclusive reservations through Global Dining Access by Resy 3 , and more. 

For more information about the Delta SkyMiles Reserve and Reserve Business Cards, visit go.amex/747card . 

1 The new limited-edition Boeing 747 Card design is made with 33% metal from retired Delta Boeing 747 aircraft.

2 The Companion Ticket requires payment of the government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.

3 Card Members must add their Delta Skymiles Reserve or Reserve Business American Express Card to their Resy profile to access Global Dining Access by Resy.

• American Express
• Delta Reserve Business AMEX Credit Card

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