Best Travel Credit Cards For Business

In the interest of full disclosure, One Mile at a Time earns a referral bonus for anyone that’s approved through some of the below links. These are the best publicly available offers that we have found for each card. Please check out our advertiser policy for further details about the partners we work with. We choose our OMAAT Picks based on the combination of benefits the card provides, and the ability to earn outsized rewards. Thanks for your support!

Updated: 3 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 May 2020

In addition to offering valuable benefits for small business owners, and incredible earnings rates, some of the best credit card welcome 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 125,000 Hilton Honors Bonus Points

Hilton Honors American Express Business Card

Foreign Transaction Fee: None
Annual Fee: $95
The card details for the Hilton Honors American Express Business Card have been collected independently by OMAAT and have not been reviewed or provided by the card issuer.
Why we like this card

This is a fantastic welcome bonus, especially for a small business card. You'll enjoy complimentary Gold Status just for keeping the card, with great opportunities to earn points and free Weekend Night Rewards.

Read our Review

Current Offer
Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors Business Card after you use your new Card to make $3,000 in eligible purchases within the first 3 months of Card Membership.

Card Details
Additional Temporary Perks through 2020

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
Earn up to 85,000 Membership Rewards® points

The Business Platinum Card from American Express

Foreign Transaction Fee: None
Annual Fee: $595
The card details for the Business Platinum Card have been collected independently by OMAAT and have not been reviewed or provided by the card issuer.
Why we like this card

While the annual fee is high the card comes with lots of benefits that help negate the annual fee, and this is a great welcome bonus on this card.

Read our Review

Current Offer
Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 35,000 points after you spend an additional $10,000 all on qualifying purchases on the Business Platinum Card within your first 3 months of Card Membership.

Card Details
5X Membership Rewards on flights and prepaid hotels on amextravel.com (Hotels must be booked and paid in advance to be able to use the benefit).

Get 50% more points on each large business eligible purchase of $5,000 or more, up to 1 million additional points per calendar year.

Earn 50,000 Membership Rewards® points

American Express Business Gold Card

Foreign Transaction Fee: None
Annual Fee: $295
The card details for the Business Gold Card have been collected independently by OMAAT and have not been reviewed or provided by the card issuer.
Why we like this card

Earning 4X Membership Rewards® for small business expenses is an awesome return, and we especially like that it automatically applies to the categories you use most in a billing cycle, rather than having to choose just one or two each year.

Read our Review

Current Offer
Earn 50,000 Membership Rewards® points after you spend $5,000 in qualifying purchases on the Card within your first 3 months of Card Membership.

Card Details
Earn 4X Membership Rewards® points in your top 2 monthly spend categories -- 4X points applies to the first $150,000 in combined purchases from these 2 categories each year.

Earn 75,000 Bonus Marriott Bonvoy Points

Marriott Bonvoy Business Card

Foreign Transaction Fee: None
Annual Fee: $125
The card details for the Marriott Bonvoy Business Card have been collected independently by OMAAT and have not been reviewed or provided by the card issuer.
Why we like this card

This card is worth keeping for Anniversary free night certificate, plus the 15 nights towards elite status annually. And the 6x points per dollar for Marriott stays certainly doesn't hurt!

Read our Review

Current Offer
Earn 75,000 Bonus Marriott Bonvoy Points after you use your new Card to make $3,000 in purchases within the first 3 months.

Earn 45,000 bonus miles and 10,000 MQMs

Delta SkyMiles Reserve Business American Express Card

Complimentary Access To Centurion Lounges when flying Delta
Foreign Transaction Fee: None
Annual Fee: $550
The card details for the Delta SkyMiles Reserve Business American Express Card have been collected independently by OMAAT and have not been reviewed or provided by the card issuer.
Why we like this card

When flying Delta, this card gives you Delta Sky Club® access and allows you to earn bonus MQMs.

Current Offer
Earn 45,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $4,000 in purchases on your new Card in your first 3 months.

Earn 45,000 bonus miles and 5,000 MQMs

Delta SkyMiles Platinum Business American Express Card

Foreign Transaction Fee: None
Annual Fee: $250
The card details for the Delta SkyMiles Platinum Business American Express Card have been collected independently by OMAAT and have not been reviewed or provided by the card issuer.
on American Express' secure site
Why we like this card

Current Offer
Earn 45,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months. In addition, earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months.

on American Express' secure site
Earn 40,000 Bonus Miles

Delta SkyMiles Gold Business American Express Card

Foreign Transaction Fee: None
Annual Fee: $0 intro annual fee for the first year, then $99
The card details for the Delta SkyMiles Gold Business American Express Card have been collected independently by OMAAT and have not been reviewed or provided by the card issuer.
on American Express' secure site
Why we like this card

Current Offer
Earn 40,000 Bonus Miles after spending $2,000 in purchases on your new Card in your first 3 months of Card Membership.

on American Express' secure site
Earn 25,000 Membership Rewards points

Business Green Rewards Card

Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
Annual Fee: $0 for the first year, then $95
The card details for the Business Green Rewards Card have been collected independently by OMAAT and have not been reviewed or provided by the card issuer.
Why we like this card

Read our Review

Current Offer
Earn 25,000 Membership Rewards you they spend $3,000 on qualifying purchases on your new Card within the first 3 months of Card Membership.

Card Details
2 Membership Rewards for each dollar you spend on eligible purchases at amextravel.com.

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:

75,000 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

  • 75,000 in Brex Rewards points upon signup and waived card fees for life (equal to $750+ 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
75,000 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

  • 75,000 in Brex Rewards points upon signup and waived card fees for life (equal to $750+ 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
Earn up to a $500 statement credit

American Express Blue Business Cash Card

Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.
Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
Annual Fee: $0
The card details for the American Express Blue Business Cash Card have been collected independently by OMAAT and have not been reviewed or provided by the card issuer.
Why we like this card

Read our Review

Current Offer
Earn a $250 statement credit after you spend $5,000 in qualifying purchases on your Card within the first 6 months of Card Membership. Plus, earn an additional $250 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership.

Card Details
Earn 2% cash back on all eligible purchases up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.

Earn Up To $600 Back

Plum Card

Get a 1.5% discount when you pay early
Foreign Transaction Fee: Non
Annual Fee: $0 for the first year, then $250
The card details for the Plum Card have been collected independently by OMAAT and have not been reviewed or provided by the card issuer.
on American Express' secure site
Why we like this card

Current Offer
Earn a $200 statement credit after each $10,000 you spend in purchases on the Card, up to $30,000, within the first 3 months of Card Membership.

Card Details
Get a 1.5% Early Pay Discount in the form of a statement on the amount paid within 10 days of your statement closing date as long as you pay your Minimum Payment Due by the Payment Due Date. There is no cap on how much you can earn.

on American Express' 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:

Earn up to a $500 statement credit

American Express Blue Business Cash Card

Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.
Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
Annual Fee: $0
The card details for the American Express Blue Business Cash Card have been collected independently by OMAAT and have not been reviewed or provided by the card issuer.
Why we like this card

Read our Review

Current Offer
Earn a $250 statement credit after you spend $5,000 in qualifying purchases on your Card within the first 6 months of Card Membership. Plus, earn an additional $250 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership.

Card Details
Earn 2% cash back on all eligible purchases up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.

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:

Earn up to a $500 statement credit

American Express Blue Business Cash Card

Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.
Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
Annual Fee: $0
The card details for the American Express Blue Business Cash Card have been collected independently by OMAAT and have not been reviewed or provided by the card issuer.
Why we like this card

Read our Review

Current Offer
Earn a $250 statement credit after you spend $5,000 in qualifying purchases on your Card within the first 6 months of Card Membership. Plus, earn an additional $250 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership.

Card Details
Earn 2% cash back on all eligible purchases up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.


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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