9 Best Business Credit Cards For Travel

Earning Structure:

• 8x points on Chase Travel℠ bookings, including flights, hotels, car rentals, cruises, and activities
• 5x total points on Lyft rides (through September 30, 2027)
• 4x points on flights and hotels booked directly
• 3x points on social media and search engine advertising
• 1x point on all other purchases

Welcome Bonus:

Earn 200,000 bonus points after spending $30,000 on purchases in the first six months from account opening.

Card Details:

• Annual fee: $795
• APR: 18.49%–26.49% variable (Flex for Business)
• Foreign transaction fees: None
• Instant card number: Not specified (issuer terms apply)

Key Benefits:

• Up to $300 annual travel credit applied to a wide range of travel purchases
• Complimentary lounge access through Chase Sapphire Lounges® and Priority Pass™ Select, with two free guests per visit
• Comprehensive travel protections, including trip delay and baggage coverage
• Free employee cards at no additional cost
• Valuable redemption options through Chase Ultimate Rewards®

Redemption Options:

Points can be redeemed through Chase Ultimate Rewards® for travel with boosted value, transferred at a 1:1 ratio to partners like United Airlines and World of Hyatt, or used for cash back, statement credits, and gift cards.

Credit Requirements:

Typically requires excellent credit, generally a score of 740 or above.

Spending Limitations / Potential Drawbacks:

The high annual fee and limited earning rates on certain direct bookings may reduce value for smaller businesses or light travelers.

Why it Works for Beginners:

Its clear earning categories and generous travel perks offer new business owners immediate value without needing complicated reward strategies.

Earning Structure:

• 3x points on travel, shipping, internet, cable, phone services, and online advertising (up to a set yearly cap)
• 1x point on all other purchases

Welcome Bonus:

Earn 90,000 bonus points after spending $8,000 on purchases in the first three months from account opening (worth $900 in cash back or $1,125 toward travel through Chase Travel℠).

Card Details:

• Annual fee: $95
• APR: 20.24%–26.24% variable
• Foreign transaction fees: None
• Employee cards: Free, with rewards earned on their purchases

Key Benefits:

• Points are worth more when redeemed for travel through Chase Travel℠
• Transfer points 1:1 to eligible airline and hotel partners
• Purchase protection covers new purchases for 120 days against damage or theft (up to $10,000 per claim)
• Zero Liability protection against unauthorized charges
• Round-the-clock fraud monitoring

Redemption Options:

You can redeem points from Chase Ultimate Rewards® for travel, cash back, gift cards, or transfer them to airline and hotel partners.

Credit Requirements:

Applicants typically need good to excellent credit, generally a score of 670 or higher.

Spending Limitations / Potential Drawbacks:

Bonus rewards are capped at $150,000 per year in combined eligible categories, and spending outside those categories earns just 1 point per dollar.

Why it Works for Beginners:

Its low annual fee and simple categories help first-time business card users earn and redeem rewards easily.

Earning Structure:

• 5x points on flights and prepaid hotels booked through Amex Travel
• 1.5x points on eligible purchases in select business categories and on purchases of $5,000 or more (up to a cap per year)
• 1x point on other eligible purchases

Welcome Bonus:

Earn 150,000 Membership Rewards® points after spending $20,000 in eligible purchases within the first three months of card membership.

Card Details:

• Annual fee: $695
• APR: 18.49%–29.24% variable
• Foreign transaction fees: None
• Rewards currency: Membership Rewards® points

Key Benefits:

• Access to the American Express Global Lounge Collection® with over 1,400 lounges worldwide
• Up to $200 airline fee credit annually with a selected airline
• Over $2,000 in potential annual statement credits for business and travel purchases (terms apply)
• Credits with partners such as Dell Technologies, Adobe, Hilton For Business, and CLEAR® Plus
• Premium travel protections, including trip coverage and purchase protection

Redemption Options:

Points can be redeemed for travel via Amex Travel, transferred to airline and hotel partners, or exchanged for gift cards and statement credits.

Credit Requirements:

Applicants generally need good to excellent credit to qualify.

Spending Limitations / Potential Drawbacks:

High spending is needed to get the welcome bonus, and the annual fee is high, particularly with extra costs for additional cardholders.

Why it Works for Beginners:

For new business owners with frequent travel needs, its straightforward bonus categories and wide range of perks make it easier to see value quickly.

Earning Structure:

• 10x miles on hotels and rental cars booked through Capital One Travel
• 5x miles on flights and vacation rentals booked through Capital One Travel
• 2x miles on all other purchases with no category restrictions

Welcome Bonus:

Earn 150,000 bonus miles after $30,000 in purchases within the first three months of account opening.

Card Details:

• Annual fee: $395
• APR: Not applicable (pay-in-full card)
• Foreign transaction fees: None
• Spending limit: No preset limit, adapts to business needs

Key Benefits:

• Annual $300 credit for Capital One Travel bookings
• 10,000 bonus miles awarded each account anniversary
• Access to Capital One Lounges and Priority Pass™ lounges (enrollment required)
• $120 credit for Global Entry or TSA PreCheck®
• Free employee and virtual cards with accounting software integration
• Premium hotel benefits with the Premier Collection, including a $100 experience credit

Redemption Options:

Miles can be redeemed for travel purchases, statement credits, or transferred to more than 15 airline and hotel loyalty programs.

Credit Requirements:

Generally requires excellent credit, typically 740 or higher.

Spending Limitations / Potential Drawbacks:

The high annual fee and pay-in-full requirement may not suit smaller businesses with limited cash flow.

Why it Works for Beginners:

A simple earning structure, easy redemptions, and valuable perks make it approachable for new business owners who want premium rewards without juggling complex categories.

Earning Structure:

• 1.5 miles per dollar on every purchase
• 5 miles per dollar on hotels and rental cars booked through Capital One Travel

Welcome Bonus:

Earn 50,000 bonus miles after $4,500 in purchases within the first three months of account opening.

Card Details:

• Annual fee: $0
• APR: 17.49%, 20.49%, or 23.49% variable
• Foreign transaction fees: None
• Employee cards: Free, with miles earned on their purchases

Key Benefits:

• Hertz Five Star status for cardholders
• Unlimited miles that never expire while the account remains open
• Business management tools, including quarterly reports
• Free employee cards to streamline expense tracking

Redemption Options:

Miles can be redeemed for travel purchases, statement credits, or transferred to Capital One’s airline and hotel partners.

Credit Requirements:

Generally requires good to excellent credit, typically a score of 670 or higher.

Spending Limitations / Potential Drawbacks:

There are no higher bonus categories beyond travel, and there is no introductory APR for balance transfers.

Why it Works for Beginners:

Its no-annual-fee structure and simple rewards system make it an accessible choice for business owners starting out with travel rewards.

Earning Structure:

• 2 miles per dollar on every purchase
• 5 miles per dollar on hotels and rental cars booked through Capital One Travel

Welcome Bonus:

Earn 50,000 bonus miles (worth $500 in travel) after $4,500 in purchases within the first three months of account opening.

Card Details:

• Annual fee: $0 intro for the first year; $95 thereafter
• APR: 25.24% variable
• Foreign transaction fees: None
• Employee cards: Free, with rewards earned on their spending

Key Benefits:

• Flexible redemption for travel expenses
• Ability to transfer miles to airline and hotel partners
• Free employee cards at no extra cost
• Travel and purchase protections included

Redemption Options:

Miles can be redeemed for travel purchases, transferred to partners, or used for gift cards and other rewards.

Credit Requirements:

Requires good to excellent credit, generally a score of 670 or higher.

Spending Limitations / Potential Drawbacks:

The high regular APR and penalty APR make it less suitable for carrying a balance.

Why it Works for Beginners:

With simple flat-rate rewards and flexible travel redemption options, it’s an easy entry point for business owners new to travel rewards.

Earning Structure:

• 4x points on the 2 categories where the business spends the most each billing cycle (from a list of select categories)
• 3x points on flights and prepaid hotels booked via AmexTravel.com
• 1x point on other purchases

Welcome Bonus:

Earn 100,000 Membership Rewards® points after $15,000 in eligible purchases within the first three months of card membership.

Card Details:

• Annual fee: $375
• APR: 18.49%–29.24% variable
• Foreign transaction fees: None
• Rewards currency: Membership Rewards® points

Key Benefits:

• Up to $240 annually in statement credits for eligible purchases with FedEx, Grubhub, or office supply stores (enrollment required)
• Up to $12.95 back per month for Walmart+ membership fees
• Option to choose from three metal card designs (Gold, Rose Gold, White Gold)
• Travel protections and access to Amex Offers for added savings

Redemption Options:

Points can be redeemed through Amex Travel, transferred to airline and hotel partners, or used for statement credits, gift cards, and other rewards.

Credit Requirements:

Applicants generally need good to excellent credit.

Spending Limitations / Potential Drawbacks:

The 4x rewards rate is limited to $150,000 per year, and the annual fee is higher than many other mid-tier business cards.

Why it Works for Beginners:

Automatic bonus categories and flexible credits help new business owners earn rewards effortlessly, without needing to track spending patterns.

Earning Structure:

• 9x points at Hyatt hotels (4x from card + 5x from World of Hyatt membership)
• 2x points on dining, airline tickets purchased directly, car rentals, and local transit
• 2x points on fitness club and gym memberships
• 1x point on all other purchases

Welcome Bonus:

Earn 60,000 bonus points after $5,000 in purchases within the first three months of account opening.

Card Details:

• Annual fee: $199
• APR: 19.99%–28.49% variable
• Foreign transaction fees: None
• Status benefit: Complimentary World of Hyatt Discoverist status for the cardholder and up to five employees

Key Benefits:

• $100 annual Hyatt credit (two $50 credits after eligible purchases each anniversary year)
• 10% of redeemed points back after spending $50,000 in a calendar year (on up to 200,000 points)
• 5 qualifying night credits toward elite status for every $10,000 spent annually
• Late checkout, room upgrades when available, and premium internet with Discoverist status

Redemption Options:

Points can be redeemed for free nights, upgrades, dining, spa experiences, or transferred to partner airlines.

Credit Requirements:

Requires good to excellent credit, generally a score of 670 or higher.

Spending Limitations / Potential Drawbacks:

Non-bonus spending earns just 1 point per dollar, and Discoverist status provides limited benefits compared to higher Hyatt tiers.

Why it Works for Beginners:

With automatic status, clear earning categories, and easy-to-use Hyatt credits, it’s a beginner-friendly way for small businesses to earn valuable hotel rewards.

Earning Structure:

• 2x miles on United® purchases, dining (including delivery services), gas stations, office supply stores, and local transit/commute
• 1x mile on all other purchases

Welcome Bonus:

Limited-time offer: Earn 100,000 bonus miles and 2,000 Premier qualifying points (PQP) after $5,000 in purchases within the first three months of account opening.

Card Details:

• Annual fee: $150
• APR: 20.49%–28.99% variable
• Foreign transaction fees: None
• Employee cards: Free, with rewards credited to the primary account

Key Benefits:

• Free first checked bag (up to $160 roundtrip value)
• Two United Club℠ one-time passes annually
• Priority boarding privileges on United flights
• $125 annual United travel credit after five qualifying purchases of $100 or more
• 5,000-mile anniversary bonus when paired with a personal United credit card

Redemption Options:

Miles can be redeemed for United flights, partner airline flights, seat upgrades, and other travel rewards through MileagePlus.

Credit Requirements:

Requires good to excellent credit, generally a score of 670 or higher.

Spending Limitations / Potential Drawbacks:

Some perks require higher spending to unlock, and the annual fee is higher than comparable airline business cards.

Why it Works for Beginners:

Its simple earning categories, free checked bag perk, and travel credits make it an easy way for new business cardholders to save money while earning United miles.