The best business travel credit cards in May 2025
- Best business credit cards for travel rewards
- Summary of the best business credit cards for travel rewards
- How to get a business travel credit card
- How does a business travel credit card differ from a personal travel card?
- What features should I look for in a business travel credit card?
- Pros and cons of travel credit cards for business
- Simplify business travel with Ramp’s all-in-one business credit card
Travel credit cards are often touted as the best credit cards for businesses—no matter their size. With every transaction getting you cashback or travel rewards, we understand why you might be considering a travel rewards card. There are even credit cards with free airline lounge access.
However, traditional travel credit cards often come with high annual fees, limited card issuance, and the risk of accruing high interest.
In this article, we'll explore the best business travel credit cards and what to look for in a travel card. We'll also discuss how a modern financial platform like Ramp can offer a more comprehensive and cost-effective solution for your business's travel and spending needs.
How do business travel credit cards work?
Business travel credit cards work by allowing companies to earn rewards—such as points, miles, or cashback—on travel-related purchases like flights, hotels, and rental cars. These cards often include perks like airport lounge access, travel insurance, and expense management tools to support business trips. The rewards earned can be redeemed for future travel, helping companies offset costs and streamline spending.
Best business credit cards for travel rewards
Here’s a summary of our picks for the best business credit cards for travel:
- Ramp Corporate Credit Card
- American Express Business Platinum Card
- Bank of America Business Advantage Travel Rewards World Mastercard Credit Card
- Delta SkyMiles Reserve Business American Express
- Marriott Bonvoy Business American Express Card
- Chase Ink Business Preferred Card
- Capital One Venture X Business
- American Express Business Gold Card
- American Airlines AAdvantage Aviator World Elite Business Mastercard
Ramp Business Credit Card
- Credit limits up to 30x higher than traditional credit cards
- Sales-based underwriting makes for an easier qualification process
- Advanced expense management automation and accounting integrations
- No annual fee or foreign transaction fees
- Must be a corporation, LLC, or LP to qualify
- Must have most of your operations and corporate spend in the US (though international purchases are supported with no foreign transaction fees)
- Doesn’t support balance transfers
The Ramp Business Credit Card stands out by offering more than traditional rewards—it’s designed to help businesses spend less and manage smarter when it comes to travel. Unlike cards that reward spending with points, Ramp helps you implement real-time cost controls, monitor travel budgets, and automate expense reports. There are no fees—zero annual fee, zero interest, and zero foreign transaction charges—and it integrates with popular travel booking tools and accounting platforms for full visibility.
Ramp is especially valuable for teams that travel frequently or manage multiple employees booking flights, hotels, and transportation. With features like unlimited employee cards, policy enforcement tools, and trip-level budget controls, it offers complete transparency and savings across your business travel.
Key features:
- Real-time trip expense monitoring
- Custom trip budgets and spending limits
- Easy travel itinerary management
- Integration with travel booking platforms
- Savings averaging 5% annually
The Business Platinum Card from American Express
- 5x points on flights and prepaid hotels booked via Amex Travel
- No preset spending limit
- Complimentary Marriott Bonvoy Gold Elite and Hilton Honors Gold status
- Access to airport lounges and other travel perks
- No foreign transaction fees
- “Pay Over Time” offers payment flexibility on eligible purchase
- High annual fee of $695
- Rewards program is relatively complex
- Benefits are primarily travel-focused, less so on other business expenses
- Requires full balance payment each month
The American Express Business Platinum Card is built for companies that prioritize comfort, flexibility, and status while traveling. It offers the highest tier of travel benefits among Amex cards, including unmatched lounge access (Centurion Lounge, Priority Pass), hotel elite status with Hilton and Marriott, and travel credits that offset expenses like TSA PreCheck and in-flight purchases.
You’ll earn 5x Membership Rewards points on flights and prepaid hotels booked through AmexTravel.com—making it ideal if you do most of your booking through that platform.
But, you’re going to pay for it. Its hefty annual fee (hundreds of dollars) necessitates careful consideration of its value proposition for each individual business.
Key features:
- Extensive lounge access
- Hotel status
- Valuable travel credits
- Earns highest sum of points on travel booked within its platform
- High annual fee
Bank of America Business Advantage Travel Rewards World Mastercard
- No annual fee
- Simple points-based rewards
- Attractive welcome offers
- Potential to boost earnings as a Bank of America business account owner
- No bonus categories
- No lounge access or travel credits
The Bank of America Business Advantage Travel Rewards World Mastercard Credit Card is a no-frills travel card for businesses that want to earn travel points without the hassle of fees or bonus categories. You earn a flat 1.5x points on all purchases, making it easy to accumulate rewards on both travel and everyday business expenses. If you’re a Bank of America business checking customer and qualify for Platinum Honors, you can boost your rewards rate by up to 75%.
There’s no annual fee and no foreign transaction fees, which makes it a budget-friendly option for small businesses, startups, or side hustles that want to earn travel rewards without committing to a premium card.
Key features:
- No annual fee
- Rewards are earned on all business expenses, not just travel
- Points can be redeemed for travel expenses through the Bank of America Travel Center
Delta SkyMiles Reserve Business American Express Card
- Strong travel perks for Delta flyers
- High rewards for Delta-related expenses
- No foreign transaction fees
- High annual fee
- Rewards focused primarily on Delta purchases
- Rules around lounge access can be confusing
If you or your team flies Delta frequently, the Delta SkyMiles Reserve Business Card offers valuable perks tailored to loyal Delta travelers. This includes Sky Club access, priority boarding, free checked bags, and a coveted companion certificate every year.
You’ll earn 3x miles on Delta purchases, which can add up quickly if you frequently book through Delta. It also accelerates your Medallion Status progress, making it easier to reach elite tiers and unlock further travel upgrades. However, its $650 annual fee and limited value outside the Delta ecosystem may not suit businesses with more varied travel needs.
Key features:
- Annual Companion Certificate (excludes taxes and fees)
- High earning potential on Delta
- Accelerated Delta Medallion Status
- Lounge access
- High annual fee
Marriott Bonvoy Business American Express Card
- Elite status boost to Marriott Gold
- Annual Free Night Award
- Earn 4x points at Marriott and 2x points on travel booked through Amex
- Low earnings on non-Marriott purchases
- Limited utility for non-Marriott stays
- Modest annual fee
The Marriott Bonvoy Business American Express Card is great for companies that rely heavily on Marriott hotels for business travel. You earn 4x points at Marriott Bonvoy hotels, plus an annual Free Night Award worth up to 35,000 points, which can offset the modest $125 annual fee. Automatic Gold Elite status provides benefits like room upgrades, late checkout, and bonus points on stays.
Marriott Bonvoy points are also transferable to many airline partners, giving you flexibility when redeeming travel rewards.
Key features:
- Annual Free Night Award worth up to 35,000 Marriott Bonvoy points
- Elite Night Credits to accelerate Marriott Bonvoy status
- No foreign transaction fees
- You can transfer Marriott Bonvoy points to airline partners, expanding your redemption options
- High annual fee
Chase Ink Business Preferred Credit Card
- Earn 3x points on travel, shipping, internet and phone services, and qualifying ad spending
- Unlimited 1x points on all other categories
- Points are worth 25% more when redeemed through Chase Travel
- $95 annual fee is reasonable for businesses that value travel rewards
- High spending requirement to earn welcome bonus
- Not a good choice for businesses with limited travel needs
The Ink Business Preferred Card is a versatile card for businesses that want travel rewards without committing to a single airline or hotel. You earn 3x points on travel, shipping, online advertising, and telecom expenses—up to $150K per year—making it a great fit for marketing or ecommerce-focused teams.
Chase Ultimate Rewards points are extremely flexible: redeem them for 25% more value on travel or transfer them to travel partners.
While it may not offer the same level of travel perks as some premium cards, its competitive earning rates make it a strong contender for businesses wanting to maximize rewards on everyday business expenses, including travel. Chase Ultimate Rewards travel partners include Southwest Airlines, United Airlines, and Hyatt — three brands that are missing from the Amex travel partner portfolio.
Key features:
- 3x points across multiple categories
- Transferable Chase Ultimate Rewards points
- No foreign transaction fees
Capital One Venture X Business Card
- Extensive travel benefits
- No fees for international transactions
- Transferable miles to travel partners
- High annual fee
- Benefits may not justify the cost for non-travel-focused businesses
The Capital One Venture X Business Card offers a strong mix of flat-rate travel rewards and premium perks, like Capital One Lounge and Priority Pass access, a $300 annual travel credit, and 2x miles on every purchase. That simplicity makes it appealing for companies that want easy rewards without navigating bonus categories.
However, the card’s highest rewards rates are locked behind the Capital One Travel portal, so businesses that book flights and hotels through other platforms may see less value.
Key features:
- Earn 2s miles on all purchases, and increased earning rates when booking through Capital One Travel.
- A $300 annual travel credit
- Access to Capital One lounges and the Priority Pass network
- TSA PreCheck/Global Entry credit, travel insurance, and rental car insurance
- High annual fee
American Express Business Gold Card
- High rewards rate in top spending categories
- Flexible points system with numerous redemption options
- No international transaction fees
- High annual fee
- Rewards capped for 4X earnings
- Requires good to excellent credit
We’ll round out our list of the best business credit cards for travel rewards with the American Express Business Gold Card. This card offers customizable bonus categories so cardholders can earn 4x points in the top two spending categories on eligible purchases each month. This is ideal for businesses with varied expenses as it maximizes rewards based on their highest spending areas—including travel.
It may not offer the same level of elite status or lounge access as the Platinum Card, its customizable rewards, competitive earning rates, and cheaper annual fee make it a strong contender for many businesses. And it still earns Membership Rewards, which can be used to redeem travel in the Amex Travel Portal or transferred to a bevy of travel partners.
Key features
- Travel credits for TSA PreCheck and Global Entry
- Reward option includes statement credit
- Membership Rewards can be redeemed with multiple travel partners
- 4x points in customizable categories based on spend
- Mid-range annual fee
American Airlines AAdvantage Aviator World Elite Business Mastercard
- First checked bag free on domestic AA flights
- Preferred boarding and 25% savings on in-flight Wi-Fi and food
- Earn companion certificate after $30,000 in annual spend
- Double miles in key business categories and on AA purchases
- Rewards value is best if you frequently fly with American Airlines
- Limited flexibility for redemptions outside AAdvantage program
The American Airlines business credit card is ideal for business owners who frequently fly with the airline. In addition to 2x miles on AA purchases, telecom, office supplies, and car rentals, cardholders get elite-style travel perks like preferred boarding and a free first checked bag for themselves and up to four companions. Spend $30,000 annually and receive a companion certificate valid for domestic travel—great for reducing travel costs on business trips.
Miles earned can be redeemed for flights, upgrades, and more through the AAdvantage® program. While the rewards ecosystem favors loyal AA travelers, the card’s reasonable $95 annual fee makes it a solid choice for businesses already aligned with American Airlines.
Key features:
- 2x miles on American Airlines, telecom, car rentals, and office supply stores
- Free first checked bag and preferred boarding on AA flights
- Companion certificate after $30K in spend annually
- 25% off in-flight Wi-Fi and food on AA flights
- No foreign transaction fees
Discover Ramp's corporate card for modern finance
Summary of the best business credit cards for travel rewards
Card comparison
- Full-featured travel management: Ramp Travel makes it easy for employees to see which flights and hotels are within policy and automates the travel expense reporting process once the trip is done.
- Single dashboard for flights and hotel bookings
- Automatic T&E policy enforcement
- Cashback rewards
- Issue an unlimited number of employee cards
- Access to over $350,000 in offers from multiple partners
- Zero fees or interest
Annual Fee
$0
APR
N/A
The Business Platinum Card from American Express- Travel rewards credit card focused on international travel
- Provides 5x membership rewards on flights and prepaid hotels booked through American Express Travel
- Additional rewards on eligible purchases
- Carries a $695 annual fee
- Sizable welcome bonus with
Annual Fee
$695
APR
18.49%–27.49% variable with Pay Over Time
FX Fees
$0
Rewards
Points
Bank of America Business Advantage Travel Rewards World Mastercard- Small business credit card with unlimited 1.5x points per dollar on purchases
- 0% intro APR for the first 9 billing cycles
- Redeem rewards for statement credit or travel expenses on Bank of America Travel Center
- Earn up to 75% more rewards on every purchase if you have a business checking account with Bank of America and qualify for the Business Platinum Honors tier
- 30,000 bonus points after spending $3,000 in your first 90 days
Annual Fee
$0
APR
17.49%–27.49% variable
FX Fees
$0
Rewards
Points
Delta SkyMiles Reserve Business American Express Card- Designed for frequent business travelers who prefer flying with Delta Airlines
- Complimentary Delta Sky Club access, priority boarding, and baggage insurance
- Fee credits for Global Entry or TSA PreCheck enrollment
- 3x miles on Delta purchases and 1.5x miles in specific categories
- Includes 80,000 bonus miles offer after spending $10,000 in the first 6 months
Annual Fee
$650
APR
19.99%–28.99% variable
FX Fees
$0
Rewards
Miles
Marriott Bonvoy Business American Express Card- Marriott Gold Elite status, which includes late checkout and free Wi-Fi
- Annual Free Night Award worth up to 35,000 Marriott Bonvoy points
- 4x points on Marriott purchases
- 2x points on other purchases
Annual Fee
$125
APR
19.99-28.99% (variable)
Chase Ink Business Preferred Credit Card- 3x points back for every $1 on the first $150,000 you spend on the following: shipping purchases, advertising purchases for social media sites and search engines, travel, and internet, cable, and phone services. Limit refreshes every account anniversary year
- Receive 25% more in travel redemption
- 5x points on Lyft rides
- Employee cards at no additional cost
- Extended warranty protection
- Travel Cancellation/Interruption Insurance
- Lower max APR than most credit cards
Annual Fee
$95
APR
21.24%–26.24%
Capital One Venture X Business CardA premium business travel card offering high reward rates on travel purchases and access to luxury travel benefits. As a pay-in-full card, it requires full monthly balance payments. Late payments are subject to a fee.
Net Savings
$395
APR
N/A
American Express Business Gold Card- Earn 125,000 membership rewards points after spending $10,000 within the first three months of card membership
- $375 annual fee
- 4x points on your top two eligible categories
- 3x points on flights and pre-paid hotels booked on AmexTravel.com
- 1x points on all other eligible purchases
- $240 flexible business credit for purchases at select business merchants
- $155 Walmart+ credit
Annual Fee
$375
APR
19.49%–28.49%
American Airlines AAdvantage Aviator World Elite Business Mastercard- Earn 2x AAdvantage miles on American Airlines purchases, at office supply stores, telecom, and car rentals
- First checked bag free on domestic AA flights
- Preferred boarding and 25% off in-flight purchases
- Companion Certificate each year you spend $30,000+
- Redeem miles for flights, upgrades, and more
APR
21.24-29.99% (variable)
Fees
$95
How to get a business travel credit card
To get a business credit card for travel, start by researching card providers, comparing features like rewards and fees. Travel card applications can be found online. Gather necessary information such as your EIN and business bank statements, and submit a completed application.
Once approved, carefully review the terms and conditions before accepting, then activate your card and use it for business purchases.
Which banks offer airport lounge access?
Several banks offer credit cards with airport lounge access, including American Express, Capital One, Chase, Citibank, Bank of America, and U.S. Bank.
How does a business travel credit card differ from a personal travel card?
You might wonder if using 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 business finances is crucial for your company’s success. 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 have better rewards. For example, you might enjoy travel rewards, airline miles, or access to a VIP lounge.
- Give you access to higher credit limits: Business travel credit cards offer higher credit limits than personal travel cards, making them ideal for bigger business purchases
- Help you build business credit history: If you make timely payments each month, you’ll build a strong business credit history and contribute towards a favorable business credit score
Is it hard to get approved for a business travel credit card?
You can get some business credit cards with a personal FICO score of 630 or lower, but the best business travel credit cards generally require a score of at least 700. The exception to this rule is corporate cards: Rather than checking your credit score as part of the approval process, they consider your business income instead.
What features should I look for in a business travel credit card?
Choosing the best 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 rather than a generic rewards program.
Unfortunately, more travel benefits often mean higher fees. To pick the best card, give some serious thought to what’s most important to you.
1. Consider the annual fees
Many cards that offer attractive travel benefits come with hefty annual fees. Generally, the higher the fee, the better the membership rewards. As such, the annual fee you pay will fluctuate based on the travel benefits and rewards that come with the card. If you’re diligent about using all the perks your card offers, they could offset the fee. Otherwise, you may want to choose a different card.
2. Watch for welcome bonuses
Most business credit cards for travel entice you with a welcome offer soon after opening the card. For example, you may get 100,000 bonus points after spending $10,000 in purchases in the first three months of your card membership.
3. Know the APR
Pay close attention to the APR offered by business credit cards. If you don't pay your credit card balance in full each month, this interest can quickly compound. The more you owe, the harder you’ll find it to pay off the debt.
4. Research the 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. With some cards, rewards points might be worth 25% more when you redeem them for travel purchases. Understanding the rewards program will help you make the most of your card membership.
5. Foreign transaction fees
Since you’ll be using it 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 might enjoy. Most business travel cards offer no transaction fees, but it's best to double-check the fine print.
6. General or co-branded?
If you enjoy using a specific brand or airline for travel, you may want to consider co-branded options rather than a general business travel card. For example, the Delta SkyMiles Reserve Business Card from American Express gives you rewards across different airlines and hotels. You get access to rewards from the main airline as well as any of their partners.
7. Consider purchase protection
Where will most of your traveling take you? 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.
8. Compare travel perks
Look into the travel perks of the business cards you’re considering. 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 nonstop flights.
Pros and cons of travel credit cards for business
Travel credit cards can be a gamechanger for businesses. But, like anything, there's a flip side.
Benefits of using a business travel credit card:
- Earn valuable rewards, like points and miles or cashback. Businesses can accumulate points or miles on travel-related expenses like flights, hotels, and car rentals. These can be redeemed for future travel, upgrades, or other travel-related expenses. Some cards offer cash back rewards on travel purchases, providing a direct discount on travel costs.
- Built-in access to travel conveniences, like airport lounges, elite status, free checked bags, travel insurance, and more.
- Some business travel credit cards offer features like employee card spending limits and controls, enabling better tracking of travel expenses and identifying cost-saving opportunities.
- Build business credit: Responsible card usage means a positive credit history — crucial for improving your odds of securing business financing.
Although there are several benefits of a business credit card, there are also some downsides. Initially, you may have thought securing a business travel credit card would have you and your employees enjoying luxury airport lounge access around the world. However, this isn’t the case for many companies.
Downsides of a dedicated business credit card for travel:
- Higher interest rates: Due to the often rich rewards they offer, business travel credit cards usually come with a higher APR than general corporate cards. Interest rates can be as high as 24%, much higher than the standard 16% you’ll see with traditional cards. Sky-high interest rates like these cancel out any potential travel rewards for your company. If you aren't paying off your credit card in full every month, these cards might be more trouble than they're worth.
- Steep annual fees: Business travel credit cards come with several perks, but they also have high annual fees. As we covered earlier, the American Express Business Platinum Card has a steep yearly fee of $695. With such a high cost, you’ll need to ensure that the card's benefits outweigh the costs.
- Limited cards create hassles: Credit card issuers have limits on how many cards you can issue to employees. This can quickly create chaos within the office. If you own a small business with 30 employees but only receive 10 cards from your card issuer, it can be confusing and time-consuming to track who’s using which card and chase down employees for travel expense reimbursements. If you give an employee your travel card, you might also wind up using your personal card for business expenses out of necessity. This opens you up to personal liability for your many business expenses.
Simplify business travel with Ramp’s all-in-one business credit card
Instead of a business travel card, consider a card that meets all your business's spending needs. While traditional credit cards encourage spending to earn rewards, Ramp’s corporate business credit card offers cashback on purchases and comes with spend management software designed to help your business save.
Ramp cards also come with travel management features like real-time trip expense monitoring, custom trip budgets and spending categories on employee cards, and easily accessible travel itineraries. All these features add up to save Ramp customers an average of 5% a year.
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