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The 6 Best Travel Credit Cards for Small Businesses

Travel expenses can add up for small business owners, so make sure you're taking advantage of rewards and discounts.
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travel credit card

Credit cards can be important tools for small business owners. They not only provide a line of credit for expenses, but they can help you earn valuable rewards on your purchases. For small businesses with a lot of travel expenses, this means choosing the right travel credit card.

However, you can't expect a credit card designed for regular consumers to give you what you need as a small business owner. Here's what you should know if you're considering a business credit card with travel rewards.

What to Look for in a Small Business Travel Card

Some of the features you should consider when choosing a small business card for traveling include:

  • The cost of employee cards
  • Fees versus card benefits
  • Whether you need hotel, airline, or general travel rewards
  • Foreign transaction fees if you travel abroad
  • The value of sign-up bonuses, extra perks, and benefits for your business

6 Great Travel Cards for Small Business Owners

Chase Ink credit card

Chase Ink Business Preferred Card

Fees: Annual fee of $95; no foreign transaction fee; free employee cards

APR: 17.24% to 22.24% APR

Sign-Up Bonus: Earn 80,000 bonus points after spending $5,000 within three months.

Benefits and Rewards: Earn three points per dollar spent on combined purchases (up to $150,000) in categories including travel, shipping, telecommunications, and advertising. You'll also earn one point per dollar spent on all other purchases.

If you redeem your points for travel through Chase Ultimate Rewards, you'll get a 25% bonus. You can also transfer your points to other frequent flier and hotel loyalty programs.


Capital One Spark Miles Select for Business

Fees: No annual fee; no foreign transaction fee; free employee cards

APR: 0% Intro APR on purchases for nine months; then 14.24% to 22.24% APR

Sign-Up Bonus: Earn 20,000 bonus miles after spending $3,000 within three months.

Benefits and Rewards: Earn 1.5 miles per dollar spent on all purchases. You can redeem your miles for travel through Capital One, or use Purchase Eraser for a statement credit toward purchases you've made with the card. Miles are worth approximately 1 cent per mile. You also get online quarterly and year-end summaries to help manage business expenses.


Starwood credit card

Starwood Preferred Guest Business Credit Card From American Express

Fees: Annual fee of $95 waived the first year; no foreign transaction fee on international purchases

APR: 16.49% to 20.49% APR

Sign-Up Bonus: Earn 25,000 points after spending $5,000 within three months.

Benefits and Rewards: Earn up to five points per dollar spent on purchases at eligible SPG hotels, two points per dollar spent on participating Marriott Rewards properties, and one point for all other purchases. You can redeem your points for hotel stays, or transfer to 30 frequent flier programs for 150 airlines.

If you transfer 20,000 points, you get a 5,000 Starpoint bonus. Other benefits include in-room WiFi and Boingo WiFi hotspots worldwide.


CitiBusiness/AAdvantage Platinum Select World Mastercard

Fees: Annual fee of $95 waived the first year; no foreign transaction fee; free employee cards

APR: 16.99% to 24.99% APR

Sign-Up Bonus: Earn 60,000 American Airlines miles when you spend $3,000 in the first three months.

Benefits and Rewards: Earn two miles per dollar spent on American Airlines purchases, car rentals, telecommunications, and gas station purchases, and one mile on other purchases. You also get benefits like a free checked bag, preferred boarding on American Airlines, and 25% off in-flight purchases.


travel credit card

Business Platinum Card From American Express

Fees: Annual fee of $450; no foreign transaction fee on international purchases

APR: No APR (no interest charges because you pay your balance in full each month)

Sign-Up Bonus: Earn 50,000 points after spending $10,000 within three months. Earn an additional 25,000 points after spending an additional $10,000 also within the first three months.

Benefits and Rewards: This card awards one point for each dollar you spend. Eligible purchases of $5,000 or more earn 1.5 points per dollar. You'll also earn 5X points on flights and prepaid hotels booked on amextravel.com.

Cardholders get 35% of their points back (up to 500,000 points per calendar year) on First and Business Class flights with a qualifying airline, too. This card also includes benefits such as American Express Global Lounge Collection access, a rebate of $200 to use toward airline expenses, and $100 reimbursement toward Global Entry.


U.S. Bank FlexPerks Business Edge Travel Rewards Card

Fees: Annual fee of $55 waived the first year; no foreign transaction fee; $10 per year for authorized employees

APR: 13.24% to 24.24% APR

Sign-Up Bonus: Earn 25,000 FlexPoints after spending $2,000 in purchases within the first four months of opening the account.

Benefits and Rewards: Earn 2X points on purchases with airlines, gas stations, and office supply stores — based on where you spend most — along with cellular providers. Earn 1X points on all other purchases. You can redeem 25,000 points for $375 in hotel stays, airfare, car rentals and more.

Other benefits include a $25 airline allowance per ticket that you can use for baggage fees or in-flight purchases, and a credit of your annual fee if you spend $24,000 or more within your 12-month statement year.

Readers, what credit cards does your business use for travel? Tell us in the comments below!


Contributing Writer

Christina Majaski is a freelance writer and mom of daughter Chloe and dog Monty in Central Minnesota. She has covered social media, personal finance, law, business, and travel for various online and print publications since 2003. You can read her work online at Wise Bread, Digital Trends, PayScale, and many others.
DealNews may be compensated by companies mentioned in this article. Please note that, although prices sometimes fluctuate or expire unexpectedly, all products and deals mentioned in this feature were available at the lowest total price we could find at the time of publication (unless otherwise specified).
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