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Small-business expenses add up quickly. A good business credit card can help you turn those costs into rewards, whether that means earning cash back, booking an award flight for a work trip, or using statement credits to cover eligible business purchases. The right card can also make travel days smoother with perks that save time, money, or both.
Here are some of the best travel credit cards for business owners.
The Best Business Cards for Travelers
Before applying, it helps to know which perks are worth prioritizing.
Airport lounge access
Business travel can mean taking calls, answering emails, and squeezing in work between flights. Airport lounges can offer a quieter, more comfortable place to work than a crowded terminal. Many also offer food and beverages, which can save on travel expenses.
Travel protections
Work travel disruptions can get expensive quickly. The right business credit card offers travel protections that can help cover the costs tied to delays, cancellations, lost bags, or other unexpected issues. Depending on the card, that could mean reimbursement for an overnight hotel stay, meals during a long delay, or replacement travel arrangements.
Transfer partners
Some business credit cards earn flexible rewards that transfer to airline and hotel partners. These transfers can help you get more value from your business spending, especially if you know which programs fit your travel habits. Depending on whether you prefer Chase Ultimate Rewards, American Express Membership Rewards, Citi ThankYou Rewards, or Capital One miles, one card may be a better match than another.
Credits
The “coupon-ification” of credit cards over the past few years is real, and business cards are not immune. But for some high-annual-fee cards, these credits can deliver savings on travel, office supplies, wireless service, and more.
Earning potential
Finally, rewards on business purchases, travel, or other expenses are a major factor in any business card decision. Strong earning rates can save your business money on future travel redemptions or help you book a more premium experience.
Now, let's dig into the best business credit cards for travelers.
Capital One Venture X Business
If you're a business owner looking for an easy-to-understand card with solid perks, simple earning rates, and premium travel benefits, the Capital One Venture X Business is worth a look.
Airport lounge access: Cardholders get access to Capital One Lounges and a Priority Pass membership. Note: Capital One recently changed guest access for the card.
Travel protections: Venture X Business cardholders are covered by trip delay coverage, primary auto rental collision damage, lost luggage reimbursement, and more.
Transfer partners: Capital One miles can be redeemed through Capital One Travel or transferred to 22 Capital One transfer partners, including British Airways, Wyndham, and more.
Credits: The card also comes with a $300 annual travel credit for bookings through Capital One Travel, which is one of the easiest credits to use. Just note that hotels booked through the portal are considered third-party bookings and therefore won't earn hotel points, elite nights, or get elite benefits.
Earning potential: This card earns 10X miles on hotels and rental cars booked through Capital One Business Travel, 5X miles on flights and vacation rentals booked through Capital One Business Travel, and 2X miles on all other purchases.
- 10X miles per $1 on hotels and rental cars booked via Capital One Business Travel
- 5X miles per $1 on purchases through Capital One Entertainment
- 5X miles per $1 on flights booked via Capital One Business Travel
- 5X miles per $1 on vacation rentals booked via Capital One Business Travel
- 2X miles per $1 on other eligible purchases
The Business Platinum Card® from American Express
Not far behind is the The Business Platinum Card® from American Express. As a business owner, I have this card in my wallet and can speak to how it's an excellent card for business travelers who value premium travel perks.
Airport lounge access: I consider this card — along with the personal version — one of the strongest options for lounge access. Cardholders get access to Centurion Lounges, 10 annual Delta Sky Club visits when flying Delta, Escape Lounges, and Priority Pass lounges.
Travel protections: Cardmembers are covered by trip delay reimbursement, baggage insurance, trip cancellation/interruption coverage, and secondary car rental loss-and-damage coverage.
Transfer partners: Membership Rewards is a robust program with some of the best airline transfer partners. The card also has a unique benefit: You'll get 35% of your points back when you use Pay With Points for eligible airfare through Amex Travel. You'll need to select your qualifying airline for this benefit annually.
Credits: The card also offers several credits for business owners. The up to $600 annual hotel credit, split into semiannual $300 credits, can help offset prepaid Fine Hotels + Resorts or The Hotel Collection (requires a two-night minimum) bookings through Amex Travel. Plus, the $10 monthly wireless cellphone credit saves me $120 a year in direct costs. These benefits can take some of the sting out of the card's $895 annual fee.
Earning potential: The Amex Business Platinum Card earns:
- Earn 5X points on flights and prepaid hotels on AmexTravel.com.
- Earn 2X points on each eligible purchase of $5,000 or more.
- Earn 2X points on each eligible purchase with U.S. construction material and hardware suppliers.
- Earn 2X points on each eligible purchase with U.S. electronic goods retailers and software & cloud system providers.
- Earn 2X points on each eligible purchase with U.S. shipping providers.
- 2X earning rates are subject to a cap of $2 million in purchases per calendar year.
(Terms apply)
- As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
- See how you can unlock over $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
- Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
- 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. Gift cards are not an eligible purchase. Benefit enrollment required.
- 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.
- Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
- Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
- 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.
- Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
- 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.
- Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That's up to $360 back per year. Enrollment required.
- Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That's up to $120 back per year. Enrollment required.
- 2X points on purchases at U.S. 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.
- 5X points on flights and prepaid hotels on AmexTravel.com
- 1X points on other eligible purchases
- Terms Apply.
- Earn 5X points on flights and prepaid hotels on AmexTravel.com.
- Earn 2X points on each eligible purchase of $5,000 or more.
- Earn 2X points on each eligible purchase with U.S. construction material and hardware suppliers.
- Earn 2X points on each eligible purchase with U.S. electronic goods retailers and software & cloud system providers.
- Earn 2X points on each eligible purchase with U.S. shipping providers.
- 2X earning rates are subject to a cap of $2 million in purchases per calendar year.
Sapphire Reserve for Business℠
The Sapphire Reserve Business offers a nice balance of premium perks, strong earning rates, and a robust transfer network.
Airport lounge access: Cardholders can access Chase's growing network of Chase Sapphire lounges for free. The card also includes a Priority Pass Select membership.
Travel protections: Sapphire Reserve Business offers the best trip delay reimbursement coverage of any card on this list. Plus, cardholders get primary auto rental coverage, trip cancellation/interruption insurance, baggage delay insurance, lost luggage reimbursement, and much more.
Transfer partners: The Sapphire Reserve for Business℠ may have the strongest transfer partner network on this list. Although Chase only has 14 transfer partners, they are among the most valuable airline and hotel programs. For instance, Chase is the only major transferable rewards program with a business card that partners with World of Hyatt, making this card especially appealing to fans of one of our favorite hotel programs.
Credits: $300 annual travel credit, up to $500 in credits for The Edit hotels (split into two $250 credits), and a $250 credit for select Chase Travel hotels.
Earning potential: This card earns 8x points on all Chase Travel℠ purchases; 5x total points on Lyft rides through 9/30/27; 4x points on flights and hotels booked direct; 3x points on social media and search engine advertising; and 1x points on all other purchases.
- Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening.
- $6,000+ in value your first year. 150K points, valued at $3,000 for select flights and hotels through Chase Travel℠, plus $3,000+ in annual value through travel and business benefits.
- 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
- 8X points on all Chase Travel℠ purchases
- 5X total points on eligible Lyft rides through 9/30/2027
- 4x points on flights and hotels booked directly
- 3x points on advertising purchases made with social media platforms and search engines
- 1 point per dollar on all other eligible purchases
Ink Business Preferred® Credit Card
The Ink Preferred is one of our favorite travel cards for earning valuable transferable rewards without a premium annual fee.
Airport lounge access: The Ink Preferred doesn't offer lounge access — which is understandable for a card with a $95 annual fee.
Travel protections: Despite the modest annual fee, this card offers helpful travel protections like baggage delay insurance, trip interruption insurance, and even primary rental car insurance when renting for business purposes.
Transfer partners: The Ink Business Preferred® Credit Card offers access to Chase's Ultimate Rewards transfer partners, but with a much lower annual fee than the Sapphire Reserve Business.
Credits: Besides a $10 monthly DoorDash credit, the Ink Business Preferred® Credit Card doesn't offer any travel credits.
Earning potential: With this card, you'll earn:
- 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
- 1X point per $1 on all other purchases
Savvy business owners can earn up to 450,000 Ultimate Rewards points each year through the bonus categories. The card also offers 5X on Lyft rides through September 2027.
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
- 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
- Earn 5x total points on Lyft rides through 9/30/27.
- 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
- Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Receive complimentary access to DashPass by DoorDash.
- Member FDIC
- 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
- 1X point per $1 on all other purchases
Delta SkyMiles® Reserve Business American Express Card
Finally, there's no denying how popular Delta Air Lines is with many flyers. The Delta SkyMiles® Reserve Business American Express Card offers the most perks for Delta loyalists. But if you like to fly other airlines, this may not be the right card for you.
Airport lounge access: Cardmembers get 15 Delta Sky Club visits each Medallion Year. Plus, the card offers access to Centurion Lounges and Escape Lounges when flying Delta.
Travel protections: The Business Delta Reserve offers robust travel protections, including trip cancellation/interruption insurance, trip delay insurance, baggage insurance, secondary car rental loss insurance, purchase protection, and even cell phone protection.
Delta perks: The Delta SkyMiles® Reserve Business American Express Card can help you earn Delta Medallion Qualification Dollars toward elite status. You’ll receive a $2,500 MQD Headstart each Medallion Qualification Year, plus earn $1 MQD per $10 spent on the card. Perhaps the sneaky best benefit is the ability to save 15% on all Delta award flights.
Credits: Instead of credits, the Business Delta Reserve offers an Annual Companion Certificate, good for bringing a friend or family member along on any round-trip flight domestically, in the Caribbean, or to Central America. This includes Delta First, Delta Comfort, or Main Cabin itineraries.
Earning potential: The card earns:
- 3X miles per dollar spent on purchases made directly with Delta
- 1.5X miles per dollar on eligible transit, U.S. shipping, and U.S. office supply store purchases, plus all eligible purchases after spending $150K per calendar year
- 1 mile on every dollar spent on all other eligible purchases.
- Welcome Offer: Earn 80,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership.
- Delta SkyMiles® Reserve Business Members receive 15 Visits each Medallion® Year to the Delta Sky Club® and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card in a calendar year.
- Earn 3 miles per dollar on eligible Delta purchases.
- Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card.
- Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main domestic, Caribbean, or Central American round-trip flight each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
- With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card. Enrollment required.
- Earn up to $10 back each month after using your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers. Enrollment required.
- Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
- Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
- As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a group of four that's a potential savings of up to $280 per round-trip flight.
- When you purchase a Delta flight with your Delta SkyMiles® Reserve Business Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge.
- Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
- Elevate your travel experience with an annual statement credit of up to $250 after using your Delta SkyMiles® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Enjoy travel without foreign transaction fees from American Express with your Delta SkyMiles® Reserve Business American Express Card.
- Terms and limitations apply.
- 3X miles per dollar spent on purchases made directly with Delta
- 1.5X miles per dollar on eligible transit, U.S. shipping, and U.S. office supply store purchases, plus all eligible purchases after spending $150K per calendar year
- 1 mile on every dollar spent on all other eligible purchases.
Bottom Line
Overall, this list of the best business credit cards for frequent travelers isn't exhaustive, but it provides some of the best (and most popular) options on the market.
When it comes to the “best” card, the answer might differ from person to person. If you enjoy premium travel while away from home, a higher-annual-fee card could be ideal. Otherwise, an airline co-branded card could be a better fit if you're chasing airline status.
And for the business owner who keeps overhead low, a lower-fee card that delivers solid earning potential might make the most sense.
For rates and fees of the cards mentioned in this post, please visit the following links: The Business Platinum Card® from American Express (Rates & Fees), Sapphire Reserve for Business℠ (Rates & Fees), Ink Business Preferred® Credit Card (Rates & Fees), and Delta SkyMiles® Reserve Business American Express Card (Rates & Fees)
