The Best Business Credit Cards For Travel In 2023

Chase Ink Business Preferred is one of the leading all-around business credit cards and is an excellent choice for a wide range of businesses. Its versatility is such that it also happens to be one of the best business travel credit cards around.

With Ink Business Preferred, you’ll not only earn points at an elevated rate for travel spending. You’ll also find that your points get a 25% value bonus when you redeem them for travel through Chase’s online travel portal and that you can transfer your points on a 1:1 basis to an array of airline and hotel loyalty programs. Combine that with a welcome offer worth $1,250 when redeemed for travel, and you have an exceptional business travel card.

One caveat: this card isn’t the best for businesses whose level of spending won’t earn them enough rewards to offset the $95 annual fee.

The Ink Business Preferred is an excellent rewards credit card for businesses — particularly so for businesses with significant travel needs.

• Earn 3X points on your first $150K/year in spending on travel, shipping, online advertising, and internet/cable/phone purchases (1X points on all other purchases)
• Points are worth 25% more when redeemed for travel through Chase’s travel portal
• Earn 100,000 bonus points after you spend $8,000 within your first 3 months, redeemable for $1,000 in cash back or $1,250 when redeemed through Chase’s travel portal
• Earn 5X points on Lyft rides until March 2025
• Transfer your points on a 1:1 basis to 13 different airline and hotel travel partner programs
• Free employee cards
• Trip cancellation and interruption insurance
• Auto rental collision damage waiver
• Integration with bookkeeping software

• Annual fee: $95
• APR as of 8/7/2023: 21.24%–26.24% variable
• Foreign transaction fee: 0%
• Late payment fee: $40

Chase doesn’t publish a minimum credit score to qualify for its Ink Business cards, but we recommend that you have good to excellent personal credit before applying.

With an eye-popping $695 annual fee, the American Express Business Platinum card isn’t the most practical business credit card for most small businesses. However, if you’re looking to enjoy the best in exclusive travel benefits, the Amex Business Platinum is second to none.

The Business Platinum is your entry ticket to the Global Lounge Collection. With over 1,400 airport lounges in 140 countries, you’ll get a premium airport experience virtually anywhere your business travels take you. Throw in a 5X points-earning rate on travel booked through Amex’s travel portal and numerous other bonuses and credits, and you have a business travel credit card like no other. Of course, with such a high annual fee, you’ll be paying a premium for these luxury benefits.

The list of rewards and benefits you’ll get with the Amex Business Platinum card is long and substantial.

• Unlimited 5X points on flights and prepaid hotels booked on AmexTravel.com
• 1.5X points on your first $2 million/year in purchases at US construction material and 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
• 1X points on all other purchases
• Earn 120,000 bonus points after you spend $15,000 on purchases in your first 3 months
• Access to the 1,400+ airport lounges worldwide in the Global Lounge Collection
• Get 35% of your points back when you use them to book flights through Amex Travel
• $200/year airline fee credit
• $189 CLEAR Plus credit
• Fee credit for Global Entry or TSA PreCheck
• Statement credits with partner brands and wireless telephone service purchases
• Marriott Bonvoy Gold Elite status
• Hilton Honors Gold status
• Car rental loss/damage insurance
• Baggage insurance plan
• Global assist hotline
• Complimentary premium status for several car rental programs
• Trip delay insurance
• Trip cancellation and interruption insurance

• Annual fee: $695
• APR as of 8/7/2023: 19.49%–27.49% variable
• Foreign transaction fee: 0%
• Late payment fee: $39 or 2.99% of the past due amount, whichever is greater

Amex doesn’t publish a minimum credit score to qualify for the Business Platinum card, but we recommend that you have good to excellent personal credit before applying.

The Capital One Spark 2X Miles card is a great choice for business travel — particularly for businesses whose spending isn’t concentrated on any particular category of purchase, as this card earns you a flat 2X miles on every business purchase. There is one exception (so you could argue that the rate isn’t entirely flat!) — you’ll be earning 5X miles on all hotels and rental cars booked through Capital One Travel. There are no caps on earning miles at these rates, so larger businesses won’t have to keep any annual spending limits in mind when racking up miles.

The Spark Miles also sports a nice welcome bonus and a $100 travel credit for Global Entry or TSA PreCheck. Just be aware of the card’s high APR if you intend to carry a balance month-to-month.

Here’s what you’ll get with the Spark Miles card:

• Unlimited 2X miles on every purchase
• Unlimited 5X miles on hotel and rental car bookings made through Capital One’s travel portal
• 50,000 bonus miles after you spend $4,500 on purchases in your first 3 months
• $100 travel credit for Global Entry or TSA PreCheck fees
• Transfer your miles to one of 15+ travel partner programs
• Two free visits per year to Capital One’s airport lounge network
• Free employee cards
• Set custom spend limits for employee cards

• Annual fee: $0 the first year, $95 thereafter
• APR as of 8/7/2023: 25.99% variable
• Foreign transaction fee: 0%
• Late payment fee: Up to $39

Capital One requires applicants to have excellent credit to qualify for the Spark Miles card.

Divvy’s charge card is a corporate credit card, which means that it essentially functions as an expense management platform with a credit card attached. While corporate credit cards don’t typically sport rewards programs as lucrative as those of business credit cards, Divvy’s rewards program is actually pretty impressive if you choose to make automatic weekly repayments of your balance.

Divvy’s rewards program may be a bit complex, but you’ll get the most value for your points if you redeem them for travel. What’s more, despite the fact that the Divvy card is considered a corporate card, your business doesn’t actually have to be a corporation or LLC to qualify — sole proprietors are welcome too.

Divvy’s rewards program differs depending on whether you agree to repay your card on a weekly, bi-monthly, or monthly basis. The more frequently you pay off your balance, the better your rewards will be. Note that as Divvy is a charge card, you don’t have the option of carrying a balance month-to-month.

Make automatic weekly repayments, and you’ll get:

• 7X points for purchases at restaurants
• 5X points for travel
• 2X points for recurring software subscriptions
• 1.5X points on everything else

With automatic semi-monthly repayments, you’ll get:

• 4X points for purchases at restaurants
• 3X points for travel
• 1.75X points for recurring software subscriptions
• 1X points on everything else

Make monthly repayments, and your rewards will be less impressive.

• 2X points for purchases at restaurants
• 2X points for travel
• 1.5X points for recurring software subscriptions
• 1X points on everything else

Note that you’ll get free employee cards regardless of your bill payoff frequency.

Divvy is a mostly fee-free platform, but there are a few fees to keep in mind.

• Annual fee: $0
• APR: Not applicable
• Foreign transaction fee: 0.2%-0.9%
• Late payment fee: $38 or 2.99% of the past due amount, whichever is greater

Unlike a business credit card, Divvy doesn’t require a personal guarantee from its cardholders, which is great if your business goes belly-up and you can’t pay off your card — you won’t be held personally liable for your debt if this happens (though your credit score will certainly feel the pain).

You will, however, need at least good credit in order to qualify.

The Delta SkyMiles Reserve Business card from Amex sports a hefty $550 annual fee. But if you’re a Delta loyalist who takes business trips with a companion, you may well earn this fee back due to this co-branded card’s unique Companion Certificate benefit. You’ll get one of these certificates per year, and you can use them to cover the cost of a companion’s domestic Delta flight, provided your departure and arrival are both in the 48 continuous states.

In addition, this card bestows such luxury perks as free access to Delta Sky Club airport lounges (and two guest passes per year to boot), 3X miles on all Delta purchases, and a welcome bonus of 15K medallion qualification miles.

This card bestows the following luxury travel benefits:

• 3X miles on all purchases made directly with Delta
• 1.5X miles on all purchases made after you spend $150,000 in a calendar year
• 1X miles on all other purchases
• 70K bonus miles after you spend $5,000 in your first 3 months
• Save 15% when using miles to book Award Travel directly with Delta
• 15K Medallion Qualification Miles with Status Boost after you spend $30K in purchases on your card in a calendar year, up to 4 times per year
• Free access to Delta Sky Club, The Centurion Lounge, and The Escape Lounge airport lounges
• Two Delta Sky Club one-time guest passes each year
• One Companion Certificate each year — good for one free flight for a companion
• Main Cabin 1 priority boarding
• First checked bag free
• Fee credit for Global Entry or TSA PreCheck
• Trip delay insurance
• Trip cancellation and interruption insurance
• Baggage insurance plan
• Car rental loss and damage insurance

• Annual fee: $550
• APR as of 8/7/2023: 20.99%–29.99% variable
• Foreign transaction fee: 0%
• Late payment fee: Up to $39

Amex doesn’t market a minimum credit score for this card, but we recommend having good or excellent credit before applying.

The Hilton Honors Amex Business card offers an uncapped 6X points on several common business purchase categories (including flights and car rentals). It also offers a whopping 12X points for purchases made directly with hotels and resorts in the Hilton portfolio. These rewards are uncapped, too.

If you’re a fan of Hilton hotels and you spend a lot for business, you really stand to reap the rewards with this card, especially as the $95 annual fee isn’t as onerous as that of other luxury business travel cards offering extravagant rewards.

• 12X points for purchases made directly with hotels and resorts in the Hilton portfolio
• 6X points on business purchases at US gas stations, shipping providers, and wireless phone services purchased directly from service providers
• 6X points on select travel purchases at US restaurants, flights, and car rentals
• 3X points on all other purchases
• 130,000 bonus points when you spend $3,000 in the first three months
• Earn one Free Night Reward from Hilton Honors after you spend $15,000 in a calendar year and a second Free Night after you spend $60,000
• 10 free airport lounge visits per year once you enroll in Priority Pass Select membership
• Spend $40K/year get upgraded to Hilton Honors Diamond status through the end of the next calendar year

• Annual fee: $95
• APR as of 8/7/2023: 20.99%–29.99% variable
• Foreign transaction fee: 0%
• Late payment fee: Up to $39

Amex doesn’t market a minimum credit score for this card, but we’d recommend having at least good/excellent credit before applying.

Many of the best business credit cards for travel come with an annual fee — sometimes quite a high one indeed. They don’t typically offer introductory 0% APR periods, either. Thankfully, the Bank Of America Business Advantage Travel Rewards World Mastercard offers both. It’s the business travel credit card for businesses that may not spend continuously on flights and hotels, but who nonetheless want a decent travel credit card.

You’ll earn an unlimited 1.5X points on every purchase with this card. This may not be the most impressive rate around, but if you have a business checking account with Bank Of America and qualify for the highest Preferred Rewards for Business tier, you’ll earn up to 75% more points, which comes out to 2.62 points per $1 spent.

• Unlimited 1.5X points on all purchases
• Earn 75% more points when you have a BofA business checking account and qualify for the highest Preferred Rewards for Business tier
• 30,000 bonus points when you spend $3,000 in your first 90 days
• Cash flow management tools
• Travel and emergency services
• Free access to business credit scores

• Annual fee: $0
• APR as of 8/7/2023: 0% for your first nine months, 18.49%–28.49% variable thereafter
• Foreign transaction fee: 0%
• Late payment fee: $0 if your balance is $100 or less; $29 if $100.01 – $1,000; $39 if $1,000.01 – $5,000; $49 if greater than $5,000

Unfortunately, you’ll need excellent credit to qualify for the BofA Business Advantage Travel Rewards World Mastercard.