Earn Miles While You Work: Top Business Credit Cards for Travel

True story: My neighbor has over one million Alaska miles, which he uses to fly to Hawaii a few times a year. He owns a restaurant and puts nearly every expense on the right credit card to earn miles. That's the power of smart spending.

Whether you're booking team travel, buying equipment, or just paying for ads, the right business credit card can rack up rewards that actually feel like a reward.

Here are three of the best for earning miles while you work.

1. Sapphire Reserve for Business℠: Best for premium travel power

This newly launched Chase card is part of the Sapphire family. The Sapphire Reserve for Business℠ (see rates and fees) is built for entrepreneurs who want premium perks, top-tier travel rewards, and luxury every step of the way.

It's packed with over $2,500 in annual value, far exceeding the annual fee of $795. Here are the main perks:

• Earning rate: 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours, 4x points on flights & hotels booked direct, 3x points on social media & search engine advertising, 1x on everything else
• Travel credits: $300 annual travel credit, $500 Credit for stays with The Edit, $469 Priority Pass™ Select Membership, $120 Global Entry or TSA PreCheck® or NEXUS Fee Credit, and more
• Extras: $200 Google Workspace Credit, $400 ZipRecruiter Credit, $420 DoorDash Value, and even more
• Welcome offer: Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening

Chase Ultimate Rewards® are some of the most flexible points around. This card helps you rack up massive points fast, especially if your business already spends on flights, travel, and client dinners.

Just be sure to weigh all the credits and benefits against the annual fee.

2. The Business Platinum Card® from American Express: Best for luxury travel and airline perks

If you're constantly in airports and want that elite treatment, this is the one. While the annual fee of $695 (see rates and fees) is hefty, the included perks here are no joke:

• Earning rate: 5X points on flights and prepaid hotels booked on AmexTravel.com, 1.5X points on purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year, and 1X points on other eligible purchases
• Airline perks: $200 annual airline fee credit, access to Centurion Lounges, Priority Pass lounges, and Delta SkyClubs when flying Delta
• Hotel upgrades: Includes Hilton Honors Gold Status, Marriott Bonvoy Gold Elite status
• Business & travel credits: Unlock over $2,000 in annual value with credits for services like Dell Technologies purchases, Indeed, Hilton statement credits, and more
• Welcome offer: 150,000 Membership Rewards® points after spending $20,000 in the first 3 months
• Terms apply; enrollment may be required

Amex Membership Rewards points are incredibly valuable when transferred to airline partners. If your business puts in big spending and you want elevated travel experiences, this card helps you earn and redeem like a pro.

3. Capital One Venture X Business: Best for simple, flexible miles

And lastly for one of my personal faves… The Capital One Venture X Business (see rates and fees) gives you straightforward earning and an almost immediate payback with annual credits.

It's the perfect business travel card for owners who want premium perks without having to micromanage bonus categories or jump through hoops to redeem rewards.

Here are the top perks included:

• Earning rate: 10X miles on hotels and rental cars booked through Capital One's travel booking site, 5X miles on flights and vacation rentals booked through Capital One's travel booking site, and 2X miles on all other purchases
• Travel Credit: Receive an annual $300 credit for bookings through Capital One Travel
• Annual bonus: 10,000 bonus miles every year on your account anniversary
• Extras: Airport lounge access (Capital One + Priority Pass) to more than 1,300 lounges worldwide, no foreign transaction fees, and free employee cards
• Welcome offer: Earn 150,000 Miles after spending $30,000 in the first 3 months

You earn miles fast, and you can use them flexibly. Either redeem for statement credits to offset travel transactions, or transfer points to any of the 15+ travel loyalty partners.

Important note: This card has no pre-set spending limit and your balance must always be paid off in full every month. Perfect for established businesses that have no need to finance purchases. The annual fee is $395 (see rates and fees).

Which one should you choose?

Here's a quick breakdown depending on how your business spends:

• Go with the Sapphire Reserve for Business℠ if you value top-notch travel portals, dining multipliers, and powerful airline transfers.
• Pick The Business Platinum Card® from American Express if you fly often, love lounges, and want to squeeze luxury out of every mile.
• Choose the Capital One Venture X Business if you want flexible, flat-rate miles and an easy path to travel rewards. Remember you need to pay off your balance in full every month with this card.

Want even more ideas? Check out our full list of best business credit cards for travel of 2025.