July 7, 2022
Explainer

Best business travel credit cards for startups in 2023

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Travel credit cards are often touted as the best credit cards for businesses—no matter their size. With every transaction seemingly getting you cash back, travel rewards, or access to coveted airport lounges, we understand why you might be considering a travel card. 

But with all the travel credit cards out there, it’s hard to decide which business travel credit card is the best fit for your business. Are you looking for airline mile rewards? Welcome offers or no foreign transaction fees? What about low annual fees? 

In this article, we’ll cover the best business credit cards for small and large business travel and what to look for in a business card. In addition, we’ll also uncover the downsides of dedicated travel business cards and how your business can simplify its travel spending. 

What is a business travel credit card?

A business travel credit card is a card specifically designed for teams that travel often. These cards work the same way traditional business credit cards do. While standard business credit cards offer rewards like cash back or redeemable points, a travel credit card provides travel-specific benefits. These credit cards may offer travel perks such as:

  • Free checked bags
  • Hotel room upgrades
  • Airport lounge access
  • TSA precheck 
  • Priority boarding 

How does a business travel credit card differ from a personal travel credit card? 

At first glance, you might wonder if sticking with your personal credit card for business is good for now. However, there are key differences between business and personal travel credit cards that can work towards the growth of your business. A business travel credit card can: 

  • Draw the line between personal and business finances: Separating your personal finances from your finances is crucial for the success of your business. Whether you operate as a sole proprietor or a corporation, separating your finances is necessary for legal and tax reasons. 
  • Get rewards for your business: Business travel credit cards come with better rewards. For example, you might enjoy travel rewards, airline miles, or access to a VIP lounge. 
  • Give you access to higher credit limits: These cards are designed for larger business purchases, and offer higher credit limits than personal travel credit cards. 
  • Help you build business credit history: If paid off regularly, this can help you build a business credit history and contribute towards a favorable business credit score.

What you should look for in a travel business credit card

Choosing the right business credit card for travel depends entirely on the needs of your business and employees. If you travel often, you’re probably looking for card offers that supplement your business trips (as opposed to a generic rewards program). 

Unfortunately, more benefits often equate to higher fees. To pick the best card, give some serious thought to what’s most important to you.

Annual fees

Many cards that offer benefits for business travel often come with hefty annual fees. The annual fee you pay will fluctuate depending on the travel perks and rewards that come with the card. 

Welcome bonuses 

Most business credit cards for travel entice you with a welcome offer soon after opening the card. For example, you may get 100k bonus points after spending $10,000 in purchases in the first three months after opening your account. 

APR

Pay close attention to the APR offered by business credit cards. If you don't pay your credit card in full each month, this interest can quickly compound. The more you owe, the harder you’ll find it to pay off the balance.

Reward rates

Business travel cards offer various reward rates depending on your purchases. For instance, you might earn 5x points per dollar when you book through their flight portal, but only 1x points for all other purchases. 

Foreign transaction fees

Since these cards will be used for travel, you want a card with no foreign transaction fees. If your card gets you great exchange rates but you need to pay transaction fees every time, it negates any benefits you may enjoy. Most business travel cards don’t come with transaction fees, but it's best to double-check the fine print. 

Co-branded

If you enjoy using a specific brand or airline for travel, you may want to look into co-branded options. For example, a card like the Delta SkyMiles Reserve Business American Express (which we’ll discuss later) gives you rewards across different airlines and hotels. You get access to rewards from the main airline as well as any of their partners. 

Purchase protection

Where will the majority of your traveling take you to? No matter where you go, purchase protection can kick in as a backup. It works as a form of insurance on your purchases and covers things like airfare, hotels, and rental cars. This could remove the need for you to purchase additional travel insurance. 

Card benefits 

Look into the benefits and perks of the card you’ll be choosing. For example, does your card come with airport lounge access? If your business is located near a smaller airport, your employees will likely spend more time changing flights at larger airports with longer layovers. They might benefit more from an airport lounge than employees who live near a larger airport and take non-stop flights. 

Best small business credit cards for travel compared

These cards from major lenders may seem enticing with their promises of travel rewards. But a closer look at them reveals a simple truth: all of these cards encourage you to spend—a lot. 

Even with all the money you pour into these cards, you may never redeem the perks. And some cards don’t offer any help in the control and spending department, even though this is crucial for any growing business with access to lines of credit. 

Below, we’ve compiled the five best travel credit cards of 2022. These cards are broken down into categories for you to see which card best fits your situation (and which terms apply). 

Let’s dive into the perks, rewards, welcome offers, and more of these five cards. 

1. Best card for international travel: American Express Business Platinum Card (source)

A Quick Guide to Each Version of the American Express Platinum Card –  Forbes Advisor

First on the list, the American Express Business Platinum Card seems to be a good choice for international travel at first glance. With no spending limits, ample rewards, and no foreign transaction fees, it has a lot to offer frequent travelers. However, the steep annual fee and higher APR after the first year could have smaller businesses struggling to keep up with payments. 

Introductory APR: 0% Intro APR for the first year

APR%’s: 15.74% - 23.74% depending on your credit qualifications 

Rewards:

  • 5x membership rewards points per dollar on flights and prepaid hotels through American Express Travel 
  • 1.5x points on eligible purchases in key business categories (construction suppliers, electronic retailers, software providers, etc)
  • 1.5x points on eligible purchases of $5k or more (up to $2 million per year)
  • 1x points on each dollar spent on eligible purchases

Welcome offer: 120,000 Membership Rewards points if you spend $15,000 on eligible purchases in the first 3 months of card membership  

Annual fee: $695  

Transaction fees:

  • Foreign transactions: No foreign transaction fees 
  • Late payment: $39 or 2.99% of any past due amount
  • Returned payment: $39

Downsides

  • $695 is a high annual fee
  • Requires good to excellent credit to qualify 
  • Rewards are complicated/may not apply to smaller businesses 

Spend control capabilities: The Business Platinum Card comes with expense management to help companies stay on top of their bills. 

They offer:

  • Employee cards
  • QuickBooks integration
  • Online statements 
  • Ability to designate an account manager 
  • Instant account alerts

Bonus Features: Purchases made with this American Express card are split into two categories: pay in full vs. pay over time:

  • Pay in full: You need to pay these purchases off every month to avoid paying interest. Any purchases less than $100 are classified as pay in full, along with purchases over your pay over time limit. 
  • Pay over time: This is an optional feature that lets you carry a balance from one month to the next. Purchases over $100 fall into this category and are subject to an ongoing 15.74%-23.74% variable APR. There is a limit to your pay over time purchases. Purchases above that limit turn into pay in full. 
  • $200 airline fee credit: Receive $200 in credits with one qualifying airline to use towards baggage fees and more. 
  • 35% airline bonus: Get 35% of points back for all or part of an eligible flight booked with Amex Travel. (Limit 1,000,000 points back within one calendar year.)
  • Global Lounge Collection access: Get access to 1,400 airport lounges around the world through the American Express Global Lounge Collection.
  • $189 CLEAR credit: Get a touchless ID to move through security faster at select airports and stadiums in the US.
  • Fine Hotels Resorts Program: Enjoy room upgrades, daily breakfast, late check-out, complimentary Wi-Fi, and more. 
  • Global Entry/TSA Precheck: Get statement credit for Global Entry or TSA Precheck. 
  • Car rental privileges: Enjoy complimentary premium status along with discounts and priority service for select car rental programs. 

2. Budget-friendly: Bank of America Business Advantage Travel Rewards World Mastercard Credit Card (source)

Business Advantage Travel Rewards World Mastercard® Credit Card

The more budget-friendly option on this list, this travel credit card from Bank of America is a good no-annual fee option. Companies in their early stages will appreciate the savings. While it’s a cheaper option for smaller businesses, the limited potential for rewards from purchases can have you spending more but redeeming less. 

Introductory APR: 0% APR for the first 9 billing cycles 

APR %’s

  • Variable APR: 13.74% to 23.74% 
  • Balance Transfer APR: 13.74% to 23.74%
  • Cash Advance APR: 25.74%

Rewards

  • Earn unlimited 1.5x points for every $1 you spend on purchases, everywhere, every time you spend. No minimum amount for purchases
  • Earn 3x points when you book your travel (car, hotel, plane) through the Bank of America Travel Center 
  • No limit to the number of points you earn and your points never expire

Welcome offer: Get 30,000 bonus points after you make at least $3,000 in purchases within the first 90 days of opening your account. You can redeem these for a $300 statement credit towards travel or dining-related purchases.

Annual Fee: $0

Fees:

  • Foreign transaction fees: None 
  • Late payment: $19 if balance less than or equal to $100; $29 if $100.01 - $1,000; $39 if $1,000.01 - $5,000; $49 if greater than $5,000. 
  • Balance transfers: Either $10 or 4% of the amount of each transaction, whichever is greater.
  • Cash advance: Either $10 or 4% of the amount of each transaction, whichever is greater.

Downsides

  • Requires excellent credit to qualify 
  • Low sign-up bonus 

Spend control capabilities: Bank of America offers cash flow management tools including:

  • Automatic payments and transfers
  • Downloading transactions into QuickBooks 

Bonus features:

  • Earn up to 75% more points if you have an existing business checking account with Bank of America. Earn up to 2.62x points per $1 and up to 5.25 points per $1 spent in the Bank of America Travel Center. 
  • $1 million in travel insurance that includes travel accident insurance, lost luggage reimbursement, trip cancellation coverage, and trip delay reimbursement
  • Contactless cards for hands-free payment 

3. Most reward points for air travel: Delta SkyMiles Reserve Business American Express (source)

Delta Reserve Business AmEx: Lounge and Luxury for Delta Loyalists

Small business owners who spend more time abroad than at home will find the Delta SkyMiles card appealing. Although there are ample perks and bonuses, they’re only limited to Delta airlines. Not to mention you’ll limit your employees to a single airline. This, along with the hefty annual fee, could have you looking elsewhere.  

Introductory APR: N/A (Determined by your creditworthiness and other factors)

APR %’s

  • Variable APR: 17.24% to 26.24%
  • Cash Advances: 26.74%

Rewards:

  • 15k Medallion Qualification miles when you spend $30k in purchases on your card in a calendar year, up to 4 times in a calendar year 
  • 3x miles at Delta per every eligible Delta purchase 
  • 1.5x miles per dollar after you spend $150k on your card in a calendar year 
  • 1x miles on all other eligible purchases

Welcome offer: Earn 110,000 bonus miles after spending $6,000 in purchases with your new card 3 months after card membership 

Annual Fee: $595

Fees

  • Cash advance: $5 or 3% of the amount of each cash advance, whichever is greater.
  • Late payment: Up to $39
  • Returned payment: $39 

Downsides

  • Annual fee may be high for some 
  • Requires good to excellent credit to qualify 

Spend control capabilities: American Express offers cardholders the option to use expense management services: 

  • Employee cards 
  • QuickBooks integration 
  • Assign account managers
  • Online statements 

Bonus features:

  • Delta Sky Club access: Receive complimentary access to Delta Sky Clubs for a rate of $39 for you and two guests. Must be flying Delta to access this bonus. 
  • Centurion Lounge & Escape Lounge: Get complimentary access to the Centurion Lounge and Escape Lounge when you purchase a Delta flight. 
  • Priority boarding: Board your flight when Main Cabin 1 priority boarding is called.  
  • Trip insurance: Cardholders enjoy trip delay insurance, trip cancellation, and interruption insurance, baggage and car rental loss insurance, and damage insurance with your flight. 

4. Best card for hotel travel: Marriott Bonvoy Business American Express Card (source)

Marriott Bonvoy Business American Express Card

If the majority of your travel occurs in the U.S, the Marriott Bonvoy Business card may be a good fit for your business. The anniversary perks are nice, and the rewards rates are high. However, if you tend to travel overseas, the number of hotels available may feel limiting. With a lower annual fee than other Amex cards, this card has potential but still falls short in comparison.  

Introductory APR: N/A (Variable APR calculated on the creditworthiness of your business)

APR %’s

  • Variable APR: 17.24% - 26.24%
  • Cash Advance APR: 26.74%

Rewards:

  • 6x points per dollar on eligible purchases at hotels participating in the Marriott Bonvoy program
  • 4x points on U.S purchases at restaurants, gas stations, shipping providers, and wireless phone services purchased directly from service providers
  • 2x points on other purchases made using the Marriott Bonvoy Business card 

Welcome offer: Earn 75,000 bonus Marriott Bonvoy points after you use your new card to make $3,000 in purchases within the first three months of account opening

Annual Fee: $125

Fees:

  • Cash advance: Either $5 or 3% of the amount of each cash advance, whichever is greater
  • Late payment: Up to $39
  • Returned payment: $39
  • Foreign transaction fees: None 

Downsides:

  • Not ideal for international travel 
  • Limited choices for hotel stays 

Spend control capabilities: American Express offers cardholders standard expense management services: 

  • Employee cards 
  • QuickBooks integration 
  • Assign account managers
  • Online Statements 

Bonus Features

  • Earn & redeem free hotel nights: Get one free night award at a participating Marriott hotel each year after your card anniversary. Earn another free night after spending $60,000 in purchases on your card in one calendar year. 
  • Elite Night Credits: Each calendar year you can receive 15 Elite Night Credits towards the next level of Marriott Bonvoy Elite status.
  • Marriott Bonvoy air & car transfer system: Allows cardmembers to redeem points for flights and car rentals with partners around the world.
  • Complimentary Silver Elite status: Receive complimentary Silver Elite status with your card, which includes priority late checkout at participating hotels and 10% bonus points on stays. Note: The Marriott Bonvoy Business® American Express® Card allows you to earn Gold Elite status when you spend $35,000 on purchases each account year.
  • Premium internet access: Enjoy complimentary, in-room premium internet access when staying at hotels in the Marriott Bonvoy program.

5. Best sign-up bonus card: Chase Ink Business Preferred Card (source

Image of Chase Ink Business Preferred Card

The Chase Ink Business Preferred® credit card is known as the best option for sign-up bonuses. However, seeing as you need to spend $15,000 to get $1,000 back in rewards, is it really worth it? The bonus is nice, and so are the ongoing rewards—with options to redeem points for cash back, gift cards, travel, or even Apple products. Weigh your options carefully to see if your business can realistically afford to spend such a large amount upfront. 

Introductory APR: N/A

APR %’s:

  • Variable APR: 16.74%-21.74%
  • Cash Advance APR: 26.49%
  • Balance Transfer APR: 17.49% to 22.49%, based on your creditworthiness

Rewards

  1. Earn 3x points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. These categories include shipping purchases, advertising purchases made with social media sites and search engines, internet, cable and phone services, and travel purchases. 
  2. Earn 1 point per $1 spent on all other purchases. (Points never expire)

Welcome offer: Earn 100,000 bonus points after spending $15,000 on purchases in the first 3 months after account opening. ($1,000 cash back or $1,250 toward travel rewards when you use the redemption options through Chase Ultimate Rewards. 

Annual fee: $95

Fees:

  • Balance transfers: Either $5 or 5% of the amount of each transfer, whichever is greater.
  • Cash advances: Either $15 or 5% of the amount of each transaction, whichever is greater.
  • Foreign transactions: None 
  • Late payment: $40
  • Returned payment: $40

Downsides

  • Lacks intro APR offer 
  • Has annual fee 
  • Bonus categories for spending may not match the needs of your business 

Spend control capabilities: Employee cards to track spending 

Bonus features

  • Trip cancellation and interruption insurance up to $5,000 
  • Cell phone coverage up to $600
  • Purchase protection for 120 days, up to $10,000 per claim and $50,000 per account 

6. Best all-in-one card: Ramp Visa Corporate Card 

Ramp's Visa Corporate Credit Card

Welcome to the future of travel. The world’s first open travel solution, Ramp has upgraded traditional business travel with its use of automation and in-depth data. 

The Ramp Visa Corporate Card is a corporate charge card. Unlike other legacy cards, this card doesn’t come with annual or application fees, minimum spend welcome offers, or late payment fees. Instead, your charge card is fully integrated with finance automation software powered by AI. With every transaction, you see where your money is going and how you can manage it better. 

Stop spending money aimlessly to chase after elusive credit card rewards. With Ramp, you get the information you need to make good spending decisions. 

 

When compared to traditional credit cards, Ramp is in a class of its own. 

Introductory APR: N/A

APR %’s: N/A

Rewards: 1.5% cashback on everything, no exclusions

Welcome offer: $250 upon approval, no minimum spend required 

Fees: None, ever

Shiny mobile app: See all your transactions in one place, with Ramp for iPhone

Spend control capabilities: Once you distribute Ramp cards throughout your company, you’ll quickly start to see the full range of the spend control features. These include:

  • AI-powered savings insights to help you find new ways to save 
  • Real-time expense reports 
  • Digitized expense policies enforced by Ramp software
  • Customized workflows and spending categories
  • Card control templates for common expenses (team dinners, monthly flights, commuting, etc.)
  • Built-in security that protects card details and monitors business spending 

Bonus features

  • Platform integrations: Ramp integrates with over 100 applications, including Xero, QuickBooks, Sage, Rippling, and Justworks
  • AI-powered invoice processing: Easily pay vendors via check, card, or ACH  

The difference between charge cards and credit cards

The main difference between charge cards and standard credit cards is the method of payment. Standard credit cards allow you to carry a balance from month to month. Charge cards require you to pay off the balance in full every month. 

Because you pay off the balance in full every month, you avoid paying hefty interest fees. Unlike traditional credit cards, charge cards offer higher credit limits. This is because they base the creditworthiness of your business on your cash flow instead of your personal credit score. 

To determine which type of card is right for your business, think about your spending habits and what benefits you want from your card. 

Downsides of a dedicated business travel credit card

Although there are several benefits of a business credit card, there are some downsides as well. Initially, you might have felt that securing a business travel credit card would have you and your employees employing luxury lounges around the world. However, this isn’t the case for many companies. 

Higher interest rates 

Due to the supposed “rewards” of these cards, business travel credit cards often come with higher interest rates than their corporate counterparts. These APR rates can be as high as 24%, much higher than the standard 16% seen with traditional cards. 

Sky-high interest rates like these cancel out any potential travel rewards for your company. If you aren't paying your credit card in full every month, these cards might be more trouble than they're worth.

Steep annual rates 

Business travel credit cards come with several perks, but they also have high annual rates. As mentioned earlier, the American Express Business Platinum Card has a steep yearly fee of $695. With such hefty fees, you’ll need to ensure that the benefits of the card outweigh the costs. 

Separate cards create hassles

Credit card issuers have limits on how many cards can be issued to employees. This can quickly create chaos within the office. 

Imagine you have a small business with a workforce of thirty employees. However, your card issuer only awarded you 10 cards. Employees will either have to share cards or use personal credit cards for the majority of purchases. This causes confusion and results in wasted time having to chase employees down for reimbursements. 

If you decide to give your travel card to your employees, you might start using a personal card for business expenses, too. This opens you up to personal liability for your many business expenses. 

Empower employees and simplify travel spending with an all-in-one business corporate card

You want a business travel credit card that empowers your employees and simplifies travel spending. Unfortunately, this isn’t what you’ll find with standard travel credit cards. These cards often come with high annual rates or require your business to spend thousands to get rewards. Many legacy companies only provide a minimum of cards to issue to your employees. 

Ramp is a superior card to the standard business travel credit cards. Here’s what sets Ramp apart from the competition. 

Digitize expense policies

Ramp travel policies

Standard credit cards may give you the option to view expenses, but don’t offer guidance in creating a travel and expense policy. Your finance team shouldn’t be spending their day reviewing past expenses and pestering employees for receipts. Your business deserves a smarter, flexible approach to your expenses. 

With Ramp, your business can:

  • Automate expense reporting with cards and software
  • Control spending with built-in restrictions, spending limits, and approval flows for employee spending 
  • Enjoy automated accounting with direct integrations, auto-categorization, and real-time syncing

Employee's freedom to book

Ramp extension for Chrome

Forward-thinking companies are all about employee empowerment. Using Ramp for travel gives employees the freedom to book their travel the way they want. Instead of employees being limited to select airlines or transportation, they’re able to have a say in every leg of their travel journey. 

The best part? You get 1.5% cash back for your business.

You also eliminate the need for nickel and dimming employees to find out what charges were used for. With Ramp, you set pre-approved expenses or benefits for them to enjoy. 

Unlimited cards 

Limited cards for employees can make collecting expenses a financial nightmare. Ramp makes it possible to issue unlimited physical and digital cards to employees. Don’t worry about manually explaining your card limits. All cards have built-in spending limits, eliminating the chances of surprise out-of-budget purchases. 

Enjoy a new level of control with the ability to block spending from specific vendors—either on a specific card or for the entire company. 

The best part? Ramp runs on Visa, so you can use it at millions of retailers around the world.

Real-time trip expense monitoring 

Ramp's real

Get real-time visibility into expenses as they happen. Stop waiting for monthly reports or physical spreadsheets. See all your company’s spending in one central location with a macro view of spending.  

Once you know where your money goes, Ramp automatically finds new ways for your business to save. Ramp’s AI-powered insights:

  • Analyze your spending to eliminate duplicate subscriptions
  • Take advantage of partner discounts 
  • Reveal spending patterns across merchants and vendors
  • Save an average of 27% on SaaS contracts

Simplify business travel with Ramp

Instead of focusing on a business travel card, look for a card that works to meet the individual needs of your business. A card that offers more than cashback or reward miles could be what you need to propel your company forward. 

Ramp’s software does the heavy financial lifting for your business, so you can focus on what really matters—growing your company. 

Find out more about how Ramp can help you scale your business

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FAQs
What are some benefits of using a business credit card for business travel?

There are several benefits of using a business credit card for business travel. Your business can enjoy travel benefits like:

  • Cashback 
  • Partner rewards
  • Customized card controls
  • Unlimited cards
  • Be free of personal guarantees
  • Get access to integrated spend management software

Can I use my personal credit card for business travel purchases?

The short answer is, yes, you can. There’s nothing wrong with using a personal credit card for business travel purchases.

Even though you aren’t breaking any rules, this doesn’t mean you should. You might feel that using your personal credit card is convenient and you want to make the most of potential rewards. 

However, using your personal credit card for business travel purchases can make you liable for business expenses, putting your personal finances at risk. You also run the risk of creating an uncomfortable dynamic with employees waiting to get reimbursed from your company. To avoid running into problems down the line, it’s best to opt for a business travel card as soon as possible.

Does Ramp have a travel card?

Ramp isn’t a travel credit card—it’s better. Using Ramp for travel allows you to create company-wide travel policies with controls on flights, hotels, and general spend. Employees feel empowered to book with their travel providers and your business enjoys 1.5% unlimited cash back. Apply now, save money on expense reports, and avoid time-wasting reimbursements. 

What are travel rewards credit cards?

Travel rewards credit cards are specifically designed for individuals and businesses who are often “on the road” (in the sky in most cases, however).

While standard credit cards offer rewards like cash back or redeemable points, a travel credit card provides travel-specific benefits to individuals and businesses.

‍Which business credit card is best for foreign travel?

Ramp does everything that a business travel card does, but better. Using Ramp for travel allows you to create company-wide travel policies. Empower employees to book with their travel providers and enjoy 1.5% unlimited cash back. Plus, Ramp doesn’t charge foreign transaction fees.

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Review requests, pre-approve expenses, and issue general expense cards in a few clicks – or directly in Slack. Delegate approvals and empower your team leads to spend on the things they need and control their team’s expenses.
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Issue instant cards.
Unlimited virtual and physical cards with built-in spend limits, instantly available for everyone in your team. Define spend rules and let your smart cards enforce your policies automatically. No more surprises or under-the-radar spending.
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See spend as it happens.
Stop waiting on monthly statements or manual spreadsheets. Find, browse, and download real-time transactions from any employee, department, or merchant – on any device.
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An accounting experience by finance teams, built for speed and efficiency. Automate manual processes and start enjoying instant reconciliation – Ramp does all the heavy lifting.
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Trim wasteful spend.
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Ramp makes it easy to reimburse your employees for any incidental out-of-pocket expenses. Review, approve, and pay employees back for anything that didn’t make it onto a card with the rest of your Ramp transactions.
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