Best Travel Credit Cards For Business

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Updated: 4 days ago

As someone who travels nearly constantly while also running a small business of my own, I absolutely appreciate the need to find the right business credit cards. Regardless of the size of your operation, or how much revenue you generate each year, there are ways to maximize your expenses and otherwise leverage your business spending to earn lucrative rewards. Here are a few of my tips for choosing the best credit card for your business:

  1. Consider your current spending — If you currently spend a ton on fuel, for example, you’ll want to make sure you’re earning bonus points on all those gas station purchases. If you have even a few folks on a company phone plan, getting 3x or 5x on mobile phone services will rack up quickly. I know of at least one OMAAT reader who is earning almost a million points a year from bonus points on advertising expenses!
  2. Stay organized — Keeping business expenses separate certainly makes tax time easier, but even on a monthly basis having your business purchases sorted makes doing expense reports much easier. Whether you are connecting your bank feeds to your accounting software or Expensify (or using a card like Brex for Startups that links everything automatically), this can save your entire company time every month.
  3. Evaluate perks and benefits — Beyond the bookkeeping and purchase protection advantages, there are other perks of using business credit cards. These can range from having rental car insurance on business trips (saving CDW fees on every rental), to airport lounge access and hotel elite status. Not only can these perks reduce stress, saving your attention for more important decisions, but even small businesses can save thousands of dollars a year.
  4. Don’t forget foreign transaction fees — For overseas business trips a company can save up to 3% just by having their team switch to a card with no foreign exchange fees. Even if your business doesn’t require much travel outside the U.S., think about if you have any Canadian or other international suppliers; you could be earning rewards for all those purchases without paying extra fees.

Best Business Credit Cards with Travel Rewards for April 2020

In addition to offering valuable benefits for small business owners, and incredible earnings rates, some of the best credit card sign-up bonuses are on business credit cards. It’s not uncommon to earn 70,000 – 100,000 points (or even more) after being approved for a card and spending a certain amount in the first few months.

Business cards also offer tremendous rewards, with bonus categories that are relevant to the purchases you’re making every month. The points you earn can often be combined with your personal cards, so you can choose whether you want to reinvest the miles into your business, saving on out-of-pocket costs, or use them for a getaway of your own. Here are the best business credit cards for travel rewards available today:

Earn 70,000 American Airlines AAdvantage® bonus miles

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

Limited Time Offer
Foreign Transaction Fee: 0%
Annual Fee: $99, waived for first 12 months
on Citi's secure site
Why we like this card

This is a fantastic bonus, especially as these miles can be pooled with any miles you’re earning on your personal account.

Read our Review

Current Offer
• Designed for businesses
• Limited Time Offer: Earn 70,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
• First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line.
• 25% savings on American Airlines inflight Wi-Fi when you use your card
• Enjoy preferred boarding on American Airlines flights
• Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases
• Earn 2 AAdvantage® miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations.
• Earn 1 AAdvantage® mile per $1 spent on other purchases
• No Foreign Transaction Fees

on Citi's secure site
Receive United Club℠ Membership

United Club℠ Business Card

Foreign Transaction Fee: $0
Annual Fee: $450
The card details for the United Club℠ Business Card have been collected independently by OMAAT and have not been reviewed or provided by the card issuer.
on Chase's secure site
Why we like this card

This card is great if you fly on United quite often as you receive United Club membership, earn 1.5 United miles on everyday transactions, and receive Premier Access® benefits when traveling on United-operated flights.

Current Offer
50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open

Card Details
Get United Club Access -- up to a $550 value per year; 2X miles per $1 spent on United purchases; 1.5X miles per $1 spent on all other purchases; Free first and second checked bags

on Chase's secure site
30,000 in Brex Rewards points

Brex for Ecommerce

Foreign Transaction Fee: N/A
Annual Fee: No Fees for Life*
on Brex's secure site
Why we like this card

Current Offer

  • 30,000 in Brex Rewards points upon signup and waivedcard fees for life (equal to $300+ value) *
  • 60-day interest-free non-revolving credit for e-commerce businesses. Pay for your inventory today and you'll have 60 days to pay Brex back.
  • Credit card limit is up to 75% of your business's monthly sales (with maximum credit limit of $5 million).
  • $100,000 in monthly sales required to qualify for Brex.
  • No personal guarantee needed - we do not ask for a personal credit check or security deposit during the application.
  • Instant approvals and access a virtual card immediately for online and recurring transactions. Seamlessly add new users, issue new cards, and set specific spending limits.
  • Enjoy worldwide acceptance with no foreign transaction fees.
  • Make employee expenses seamless - automated receipt-capture and expense matching and reconciliation via text and email.
  • Simplify reconciliation with built-in integrations with Quickbooks, Xero and more.
  • Never liable for unauthorized transactions. Your account stays secure with 24/7 real-time fraud monitoring.
on Brex's secure site

Best Credit Card For Business Travelers

If you’re traveling extensively within the U.S. for work, start with considering a credit card that will help you earn airline status or a card that will save you from the worst rooms in a hotel (and maybe throw in free breakfast). Having access to the airport lounge can make a huge difference in terms of my productivity, so I keep several cards that ensure I have wifi and a quiet (or quieter, airports being what they are) place to work.

In some cases, particularly if you do contract or consulting work, you’ll want to look into getting a small business card of your own. This can help you stay organized, keeping those expenses separate from your personal costs, and allow you take advantage of more relevant bonus categories.

Who is eligible for a business card?

Getting approved for a small business credit card is easier than you might think. You don’t need to have a big company, and don’t even need to be incorporated. A small side business with limited business revenue makes you eligible for a business credit card, which could include selling things on eBay, having a rental property, and freelancing.

It goes without saying that you should always answer credit card applications honestly. You might be pleasantly surprised by how easily you’ll get approved.

Beyond that, if your company policy lets you use your own card, look to earn bonus points for your reimbursable expenses. Whether you’re shipping supplies to a conference, buying flights, or entertaining clients, the points will rack up quickly! You’ll also want to make sure you’re using a card with trip delay coverage, so you don’t have to worry about extra costs to get to a meeting when flights are delayed. Here are the best credit cards for business travelers (who don’t necessarily want a small business card) available today:

Earn 40,000 points

Southwest Rapid Rewards® Priority Credit Card

Foreign Transaction Fee: $0
Annual Fee: $149
on Chase's secure site
Why we like this card

Read our Review

Current Offer
Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open.

Card Details
2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases. 1 point per $1 spent on all other purchases.

on Chase's secure site

Best Business Credit Cards for Cash Back

While most OMAAT readers are interested in earning travel rewards, there are times where choosing to cash-back can be beneficial to a business. These cards give you a statement credit, thus reducing your overall costs, and potentially giving you extra funds to put towards other areas of your business. This can help free up some budget for additional inventory, upgraded equipment, or even business healthcare costs! Here are the best business credit cards for cash back available today:

30,000 in Brex Rewards points

Brex for Remote Teams

Foreign Transaction Fee: N/A
Annual Fee: No Fees for Life*
on Brex's secure site
Why we like this card

Learn more about the Remote Teams earning structure

Current Offer

  • 30,000 in Brex Rewards points upon signup and waived card fees for life (equal to $300+ value)*
  • No personal guarantee needed - we do not ask for a personal credit check or security deposit during the application.
  • Credit limits 10-20x higher than traditional small business corporate cards.
on Brex's secure site
30,000 in Brex Rewards points

Brex for Startups

Foreign Transaction Fee: N/A
Annual Fee: No Fees for Life*
on Brex's secure site
Why we like this card

Read our Review

Current Offer

  • 30,000 in Brex Rewards points upon signup and waived card fees for life (equal to $300+ value)*
  • No personal guarantee needed - we do not ask for a personal credit check or security deposit during the application.
  • Credit limits 10-20x higher than traditional small business corporate cards.
on Brex's secure site

Best Business Credit Cards with No Annual Fee

The best business travel rewards credit cards often have an annual fee, which helps card issuers offset the costs of providing the perks and rebates. If you’re looking to cut costs with a no annual fee card, however, there are still several rewarding options. Here are the best business credit cards with no annual fee available today:

Best 0% Intro APR Business Credit Cards

For times where you need to increase your business spending, but don’t quite need to take out a loan, a card offering a 0% introductory APR can be a good option. If you have a large order to fulfill, are moving to a larger space, or otherwise expanding your business, a new card can give you a bit of buffer. Just make sure not to charge more than you’ll be able to pay off in full when the promotional period ends, and ensure you’re making the minimum payments each month — otherwise you risk losing the 0% promotional rate. Here are the best 0% intro APR business credit cards available today:


There are so many reasons to get a business credit card, and some of the best travel credit cards right now are designed for business. I use a combination of cards to ensure I’m getting the most from my spending, and have been impressed at the travel rewards I’ve been able to earn through purchases I was going to make for my business anyway.

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