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Best Business Credit Cards for Travel of 2025

Review Updated
Joel O'Leary
Author: Joel O'Leary
Joel O'Leary
Joel O'Leary
Full-Time Personal Finance Writer

Joel is a full-time Personal Finance Writer at Motley Fool Money, where he brings a clear, approachable voice to topics ranging from credit cards to side hustles. He’s been writing about money since 2018, covering topics like credit cards, savings hacks, and the FIRE movement. Before joining the team, he managed editorial content for the How To Money podcast. When he’s not behind the laptop, Joel is likely at the beach surfing, or out and about with his family.

See Full Bio

Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation.

I've opened a handful of business credit cards over the years, and let me tell you, they all come with their own set of perks.

But my favorite benefits are travel rewards. There's something incredibly satisfying about booking a flight or relaxing in an airport lounge knowing your business spending earned it.

If you're looking to turn work expenses into well-earned travel upgrades, here are the best business credit cards to make it happen.

  • Our team of experts reviewed over 260 credit cards
  • We evaluate all credit cards across the same 4 key criteria: value, welcome experience, fees, and perks
  • Our credit card ratings are never influenced by our advertising partners
  • If we wouldn't recommend an offer to a close family member, we won't recommend it to you

Our aim is to maintain a balanced best-of list featuring top-scoring credit cards from reputable brands. 'Best for' category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.

Our top business travel card picks

Ratings Methodology

Best overall travel card: Capital One Venture X Business

Capital One Venture X Business

Apply Now for Capital One Venture X Business

On Capital One's Secure Website.

Rates & Fees External Link Icon

Capital One Venture X Business
4.90/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
4.90/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Excellent (740-850)
Apply Now for Capital One Venture X Business

On Capital One's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Excellent (740-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

N/A

Rewards Circle with letter I in it. Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions. Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One's travel booking site

2X-10X miles

Annual Fee

$395

Welcome Offer Circle with letter I in it. 150,000 Miles once you spend $30,000 in the first 3 months from account opening

150,000 Miles

  • For businesses looking to earn rewards while enjoying premium travel benefits, we think this card strikes a strong balance between value and simplicity. It offers unlimited 2X miles on every purchase, along with 10X miles on hotels and rental cars booked through Capital One's travel booking site. With top-tier perks like unlimited lounge access, annual travel credits, and flexible redemption options, this card is designed for business owners who prioritize travel rewards. It’s an excellent option for companies seeking both rewards and premium travel perks without the hassle.

    • Huge travel rewards bonus
    • High rewards rate
    • Travel credits
    • Useful business management tools
    • Spending requirement for sign-up bonus
    • Annual fee
    • Pay-in-full card
    • Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
    • Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
    • Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One's travel booking site
    • With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
    • Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
    • Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
    • Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One's travel booking site
    • Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
    • Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
    • This is a pay-in-full card, so your balance is due in full every month

Why we love it:

This card has an almost immediate pay-off with a $300 annual travel credit, 10,000 bonus miles every year (worth $100 in travel), all while earning 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. You'll also get unlimited access to Capital One and Priority Pass lounges, and free employee cards too!

One small note -- this is a charge card, which means there is typically no preset spending limit and the balance must be paid in full each month. Only apply if your business can pay its bill in full each month.

Best for flat-rate rewards: Capital One Spark 2X Miles

Capital One Spark 2X Miles

Capital One Spark 2X Miles
4.80/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
4.80/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Excellent (740-850)
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Excellent (740-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

25.74%, variable

Rewards Circle with letter I in it. Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account. Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles card.

2X-5X miles

Annual Fee Circle with letter I in it. $0 intro fee for first year; $95 after that

$0 intro fee

Welcome Offer Circle with letter I in it. Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening

50,000 miles

  • One of the best cards for businesses looking to capitalize on a travel reward for their everyday purchases. With a big sign up bonus, 2x miles, and low fees, it is a great choice for jet-setting small businesses.

    • Big sign-up bonus
    • Unlimited 2x miles
    • No foreign transaction fee
    • Multiple ways to use miles
    • Annual fee
    • No intro APR offer
    • Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
    • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
    • Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles card
    • Transfer your miles to 10+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
    • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
    • Fly through security with one statement credit for either the $85 TSA Pre✓® application fee or the $100 Global Entry application fee
    • $0 intro annual fee for the first year; $95 after that
    • Free employee cards which also earn unlimited 2X miles from their purchases
The Capital One Spark 2X Miles is unavailable on Motley Fool Money. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.

Why we love it:

The last thing you want when running a business is some complicated travel rewards program you have to study up on. So this card keeps it really simple. You get a flat 2X miles on all eligible purchases, no categories, no caps. You also get flexible redemption options, including transferring miles to over 15 travel partners.

Best for lounge access: The Business Platinum Card® from American Express

Award Icon 2025 Award Winner

The Business Platinum Card® from American Express

Apply Now for The Business Platinum Card® from American Express

On American Express's Secure Website.

Rates & Fees External Link Icon

The Business Platinum Card® from American Express
4.80/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
4.80/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for The Business Platinum Card® from American Express

On American Express's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

18.49% - 29.24% Variable

Rewards Circle with letter I in it. • 5X points on flights and prepaid hotels booked on AmexTravel.com • 1.5X points (that’s an extra half point per dollar) 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. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. • 1X points on other eligible purchases

1X - 5X points

Annual Fee

$695

Welcome Offer Circle with letter I in it. Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.

150,000 Membership Rewards® points

  • For businesses that prioritize premium travel perks and elite rewards, this is a top-tier choice. You’ll earn flights and prepaid hotels booked on AmexTravel.com, along with 1.5X points on eligible large purchases. But what sets this card apart is the extensive list of travel benefits, including airport lounge access, annual travel credits, and a credit toward TSA PreCheck/Global Entry fee reimbursement. While it comes with a higher annual fee, we think the luxury perks and exclusive rewards make it a valuable investment for frequent business travelers.

    • Versatile rewards points
    • Huge welcome offer
    • Airport lounge access
    • Complimentary elite statuses
    • Tons of statement credits
    • High annual fee
    • Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
    • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 10/2024.
    • Unlock over $2,000 in statement credits with business and travel benefits annually* on the Business Platinum Card. Terms apply. Learn more. *After meeting qualifying spend thresholds
    • New! Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
    • New! Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
    • Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
    • Make the Business Platinum Card® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
    • 5X points on flights and prepaid hotels booked on AmexTravel.com
    • 1.5X points (that’s an extra half point per dollar) 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. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
    • 1X points on other eligible purchases
    • Use the Business Platinum Card® and get up to $209 back per calendar year on your CLEAR® Plus Membership (subject to auto-renewal).
    • $695 Annual Fee.
    • Terms Apply.

Why we love it:

This is the card to beat when it comes to luxury travel. If you fly often and want the red-carpet experience, the perks here can far outweigh the steep fee. I personally love how Amex partners with specific airlines to get you access to their lounges. Like the Delta Sky Clubs when you're flying Delta! Terms apply.

Best for points on travel purchases: Sapphire Reserve for Business℠

Sapphire Reserve for Business℠

Apply Now for Sapphire Reserve for Business℠

On Chase's Secure Website.

Rates & Fees External Link Icon

Sapphire Reserve for Business℠
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Sapphire Reserve for Business℠

On Chase's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

Flex for Business APR: 18.49% - 26.49% Variable

Rewards Circle with letter I in it. Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours. Earn 5x total points on Lyft rides through 9/30/27. Earn 4x points on flights & hotels booked direct. Earn 3x points on social media & search engine advertising. Earn 1x points on all other purchases.

More than $2,500 in annual value

Annual Fee

$795

Welcome Offer Circle with letter I in it. Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and with more than $2,500 in annual value, there's no competition.

Earn 200,000 bonus points

  • Read Full Review
    • Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and with more than $2,500 in annual value, there's no competition.
    • Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
    • Earn 5x total points on Lyft rides through 9/30/27.
    • Earn 4x points on flights & hotels booked direct.
    • Earn 3x points on social media & search engine advertising.
    • Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
    • Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
    • Member FDIC

Why we love it:

Think of this card as the business cousin to the Chase Sapphire Reserve® (see rates and fees). It's newly launched and is packed with over $2,500 in annual value. Most of the travel credits and benefits fit a higher end travel profile, along with 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.

Beware this card sports a massive $795 annual fee. But if you and your business can make the most of even half the reward credits, it's easily justified!

Best airline cobranded card: The New United℠ Business Card

The New United℠ Business Card

Apply Now for The New United℠ Business Card

On Chase's Secure Website.

Rates & Fees External Link Icon

The New United℠ Business Card
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for The New United℠ Business Card

On Chase's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.49% - 28.99% Variable

Rewards Circle with letter I in it. 2x miles on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting. 1x mile on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.

2x on select categories

Annual Fee

$150

Welcome Offer Circle with letter I in it. Limited-time offer: Earn 100,000 bonus miles and 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open.

Earn 100,000 bonus miles

  • This card has a generous welcome offer, earns rewards, and includes valuable perks for United Airlines fliers like a free checked bag, priority boarding, two United Club℠ one-time passes per year, and an annual $125 travel credit.

    Read Full Review
    • Sign-up bonus offer
    • Free checked bag
    • Priority boarding
    • Annual travel credit
    • No foreign transaction fee
    • Annual fee
    • Limited-time offer: Earn 100,000 bonus miles and 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open.
    • $150 Annual Fee.
    • 2x miles on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
    • 1x mile on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
    • Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
    • Enjoy a free first checked bag - a savings of up to $160 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
    • Receive a $125 United travel credit after making 5 United® flight purchases of $100 or more each calendar year with your United℠ Business Card.
    • Member FDIC

Why we love it:

Fun fact: United used to be my least favorite airline… but after a surprisingly great flight to D.C. earlier this year, it's now my go-to. Its service and terminal cleanliness really impressed me.

This business card is a solid pick for frequent United flyers. You'll get free bags, priority boarding, and two United Club passes each year -- all for a modest $150.

Best for newly launched businesses: Ink Business Preferred® Credit Card

Award Icon 2025 Award Winner

Ink Business Preferred® Credit Card

Apply Now for Ink Business Preferred® Credit Card

On Chase's Secure Website.

Rates & Fees External Link Icon

Ink Business Preferred® Credit Card
4.90/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
4.90/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Ink Business Preferred® Credit Card

On Chase's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. N/A

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.24% - 26.24% Variable

Rewards Circle with letter I in it. Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn.

Earn 3 points per $1 in select business categories

Annual Fee

$95

Welcome Offer Circle with letter I in it. Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

Earn 90,000 bonus points

  • This card offers excellent earning potential for businesses looking to earn valuable rewards on everyday expenses. You’ll earn 3X points on travel, shipping, and advertising purchases (up to $150,000 per year), making it a great fit for businesses that invest in growth. With an impressive 90,000-point welcome bonus and access to the Chase Ultimate Rewards® ecosystem, this card helps you maximize rewards. Plus, we like that points are worth more when redeemed for travel through Chase Travel℠, further boosting the card’s value.

    Read Full Review
    • Huge sign-up bonus
    • Advertising rewards
    • Shipping rewards
    • Cell phone protection
    • Flexible travel points
    • Card perks
    • Annual fee
    • No intro APR offer
    • Spending minimum for sign-up bonus
    • Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
    • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
    • Round-the-clock monitoring for unusual credit card purchases
    • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
    • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
    • Points are worth more when you redeem for travel through Chase Travel℠
    • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
    • Member FDIC

Why we love it:

Starting a new business means every dollar has to work extra hard. And you want to partner with a bank you can grow with -- that's why Chase is a great fit.

With this card you'll earn a huge welcome bonus, rack up 3X points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year, and get access to the Chase Ultimate Rewards® portal, which offers tons of flexibility for booking travel or transferring points.

Our business card ratings are designed to help owners and entrepreneurs find cards that match the way they spend – and scale. We consider earning structures, welcome offers, perks, and business-specific benefits like employee controls or loyalty boosts.

Our highest-rated business cards have:

  • Strong earning potential across everyday or business-specific categories (travel, advertising, office supplies)
  • Transferable rewards programs for added flexibility
  • Welcome offers with meaningful upfront value
  • Valuable extras like employee cards, accounting software integrations, or airline lounge access
  • Low-to-moderate annual fees

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best business credit card recommendations. Our aim is to maintain a balanced best-of list featuring top-scoring credit cards from reputable brands. 'Best for' category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.

Ordering within lists is influenced by advertiser compensation, including featured placements at the top of a given list, but our product recommendations are NEVER influenced by advertisers. Learn more about how Motley Fool Money rates credit cards.

Our business card ratings are designed to help owners and entrepreneurs find cards that match the way they spend – and scale. We consider earning structures, welcome offers, perks, and business-specific benefits like employee controls or loyalty boosts.

Our highest-rated business cards have:

  • Strong earning potential across everyday or business-specific categories (travel, advertising, office supplies)
  • Transferable rewards programs for added flexibility
  • Welcome offers with meaningful upfront value
  • Valuable extras like employee cards, accounting software integrations, or airline lounge access
  • Low-to-moderate annual fees

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best business credit card recommendations. Our aim is to maintain a balanced best-of list featuring top-scoring credit cards from reputable brands. 'Best for' category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.

Ordering within lists is influenced by advertiser compensation, including featured placements at the top of a given list, but our product recommendations are NEVER influenced by advertisers. Learn more about how Motley Fool Money rates credit cards.

How to choose the best business travel card

When picking a travel card for your business, start with how your business spends. This helps narrow which rewards system or program best fits you.

Here are some areas to consider when evaluating cards.

Business spending habits

Do you have large monthly expenses? Cards with high flat-rate rewards might pay off the best. Also, you'll likely be able to qualify for large welcome bonuses.

Do you travel often for business? Prioritize cards with lounge access, airline credits, and travel insurance.

Rewards flexibility

It's not much help earning miles for an airline that you barely fly… The goal is to earn rewards that you'll actually use!

If you fly one airline regularly, a cobranded card (like Delta or United) can offer upgrades and freebies.

If you value flexibility, maybe a general travel card is best as they let you book through any portal or transfer points.

Fees vs. credits and perks

Premium cards can come with $395+ fees. But some include hundreds in travel credits that quickly offset the cost.

If you're looking at a card with a mammoth fee, scrutinize all the perks in detail to make sure you can realistically get all the value out of them.

If you travel less often, a no-fee card with solid flat-rate rewards might be more valuable.

Business travel credit cards vs. personal travel cards

You might be wondering, "can't I just use my personal travel card for business?"

You certainly can… but here's why a business card might be better:

  • Separation of expenses: Makes bookkeeping and taxes easier.
  • Higher limits: Designed to support business cash flow.
  • Employee cards: Add team members for free and earn rewards on their spending.
  • Business-specific perks: Premium support, expense management tools, and bonus categories aligned with business spending.

If you're a freelancer or side hustler, you still likely qualify for a business credit card -- even without a registered LLC.

FAQs

  • Yes, most issuers will check your personal credit during the application. However, most business cards don't report spending to your personal credit report (unless you default!)

  • Absolutely. And I did this myself! As long as you have income from self-employment, freelance work, or any business activity, you may qualify. Just input your SSN wherever it asks for an EIN.

  • Most business cards let you add employee cards at no extra cost, and you'll earn rewards on their spending too. But some do not, so always check the individual card specs.