Top 10 Business Travel Credit Cards

Business travel credit cards are specialized financial products designed to meet the needs of frequent business travelers. They offer various perks such as travel rewards, expense management tools, and exclusive benefits aimed at making travel more efficient and cost-effective.

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These cards often come with a range of features that cater specifically to business travel requirements. For instance, cardholders may earn points or miles for every dollar spent, which can be redeemed for flights, hotel stays, or other travel-related expenses. Additionally, business travel credit cards frequently offer complimentary access to airport lounges, travel insurance, and concierge services. They also often provide tools for managing and tracking expenses, which can be particularly useful for businesses aiming to streamline their expense reporting process. Some cards may offer higher earning rates on specific categories like airfare, dining, or hotel stays, providing further value for frequent travelers. Finally, features such as no foreign transaction fees and travel-related purchase protections help make international business travel smoother and more economical.

  • American Express Business Platinum Card
    American Express Business Platinum Card

    American Express Business Platinum Card - Premium rewards and benefits for business travel and expenses.

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  • Chase Ink Business Preferred Credit Card
    Chase Ink Business Preferred Credit Card

    Chase Ink Business Preferred Credit Card - High-reward business card with flexible points and travel benefits.

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  • Capital One Spark Miles for Business
    Capital One Spark Miles for Business

    Capital One Spark Miles for Business - Business card earning unlimited travel miles with flexible redemption.

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  • CitiBusiness / AAdvantage Platinum Select Mastercard
    CitiBusiness / AAdvantage Platinum Select Mastercard

    CitiBusiness / AAdvantage Platinum Select Mastercard - Business credit card with AAdvantage miles and travel perks.

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  • Marriott Bonvoy Business American Express Card
    Marriott Bonvoy Business American Express Card

    Marriott Bonvoy Business American Express Card - Rewards business spending with travel perks and Marriott points.

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  • The Business Platinum Card from American Express
    The Business Platinum Card from American Express

    The Business Platinum Card from American Express - Premium business card with luxury perks and extensive rewards.

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  • United Business Card
    United Business Card

    United Business Card - United Business Card: Travel rewards, flight perks, business benefits.

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  • Delta SkyMiles Gold Business American Express Card
    Delta SkyMiles Gold Business American Express Card

    Delta SkyMiles Gold Business American Express Card - Delta travel rewards, business perks, moderate annual fee.

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  • Hilton Honors American Express Business Card
    Hilton Honors American Express Business Card

    Hilton Honors American Express Business Card - Travel rewards, business benefits, Hilton perks.

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Top 10 Business Travel Credit Cards

1.

American Express Business Platinum Card

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The American Express Business Platinum Card is a premium charge card tailored for entrepreneurs and business owners. It offers extensive travel perks, including airport lounge access, hotel elite status, and airline fee credits. Cardholders also benefit from rewards points on purchases, comprehensive expense management tools, and 24/7 concierge services. Additionally, the card provides various business-focused benefits, such as purchase protection, extended warranties, and access to exclusive events, making it a valuable asset for high-spending business travelers.

Pros

  • pros Extensive travel rewards
  • pros Luxury airport lounge access
  • pros Comprehensive travel insurance
  • pros No foreign transaction fees
  • pros 24/7 concierge service.

Cons

  • cons High annual fee
  • cons Limited acceptance
  • cons Complex rewards program
  • cons Excellent credit required
  • cons Limited cash-back options.
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2.

Chase Ink Business Preferred Credit Card

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The Chase Ink Business Preferred Credit Card is a premium business credit card offering substantial rewards and benefits. Cardholders earn 3x points on travel, shipping, internet, cable, phone services, and advertising purchases up to $150,000 annually. It features a generous sign-up bonus, robust travel protections, and no foreign transaction fees. Points can be redeemed through Chase Ultimate Rewards for travel, cash back, or transferred to partner programs. Ideal for business owners seeking flexibility and rewards.

Pros

  • pros High rewards rate
  • pros Travel benefits
  • pros No foreign transaction fees
  • pros Extensive insurance coverage
  • pros Large sign-up bonus

Cons

  • consAnnual fee
  • cons Requires good credit
  • cons Limited redemption options
  • cons High APR
  • cons No introductory APR
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3.

Capital One Spark Miles for Business

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The Capital One Spark Miles for Business is a travel rewards credit card designed for business owners. It offers unlimited 2 miles per dollar on every purchase, with no expiration on miles. Cardholders benefit from a generous sign-up bonus, no foreign transaction fees, and flexible redemption options including travel, cash back, and gift cards. Additional perks include travel and purchase protections, and the ability to transfer miles to various travel loyalty programs. An annual fee applies after the first year.

Pros

  • pros 2x miles on all purchases
  • pros No foreign transaction fees
  • pros 50
  • pros 000 miles sign-up bonus
  • pros Flexible redemption options
  • pros Free employee cards.

Cons

  • cons$95 annual fee after the first year
  • cons Limited travel partners
  • cons Requires good to excellent credit
  • cons No introductory APR
  • cons Potential for high APR.
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4.

CitiBusiness / AAdvantage Platinum Select Mastercard

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The CitiBusiness® / AAdvantage® Platinum Select® Mastercard® is a travel rewards credit card tailored for business owners who frequently fly with American Airlines. It offers benefits like earning AAdvantage® miles on purchases, priority boarding, and first checked bag free on domestic American Airlines flights. Additional perks include no foreign transaction fees, access to American Airlines' reduced mileage award program, and complimentary employee cards. Ideal for businesses looking to maximize travel rewards and streamline expenses.

Pros

  • pros Earn American Airlines miles Free checked bag Priority boarding No foreign transaction fees Companion certificate after spending threshold

Cons

  • consHigh annual fee Limited airline-specific benefits High APR Requires good credit Limited airport lounge access
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5.

Marriott Bonvoy Business American Express Card

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The Marriott Bonvoy Business American Express Card is a rewards card tailored for small business owners and frequent travelers. It offers generous points on Marriott Bonvoy hotel stays, dining, gas, and other business-related purchases. Cardholders benefit from perks like free night awards, automatic Silver Elite status, and complimentary in-room Wi-Fi. Additional features include travel and purchase protections, no foreign transaction fees, and access to expense management tools, making it ideal for business travel and expenses.

Pros

  • pros High rewards rate
  • pros Complimentary Silver Elite status
  • pros Free night award annually
  • pros No foreign transaction fees
  • pros Travel and purchase protections.

Cons

  • cons $125 annual fee
  • cons Limited airline transfer partners
  • cons Rewards redemption restrictions
  • cons Requires good credit
  • cons No intro APR offer.
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6.

The Business Platinum Card from American Express

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The Business Platinum Card from American Express is a premium charge card designed for business owners seeking luxury travel perks and robust rewards. It offers extensive benefits, including access to exclusive airport lounges, 5X points on flights and prepaid hotels, and a variety of travel and business-related credits. It comes with a hefty annual fee, but the value provided through its comprehensive suite of services, including 24/7 concierge support and various purchase protections, can justify the cost for frequent travelers.

Pros

  • pros High rewards on travel
  • pros Extensive airport lounge access
  • pros Annual travel credits
  • pros Premium travel insurance
  • pros Concierge service.

Cons

  • cons High annual fee
  • cons Limited reward categories
  • cons Complicated rewards structure
  • cons Requires excellent credit
  • cons May have limited merchant acceptance.
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7.

United Business Card

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The United Business Card is a travel rewards credit card tailored for business owners and frequent flyers of United Airlines. It offers benefits such as priority boarding, free checked bags, and access to United Club lounges. Cardholders earn miles on every purchase, with bonus miles for United Airlines purchases, dining, and office supplies. Additional perks include travel and purchase protections, no foreign transaction fees, and flexible redemption options for flights, upgrades, and more.

Pros

  • pros Earn United miles
  • pros Priority boarding
  • pros Free checked bag
  • pros Two United Club passes
  • pros No foreign transaction fees.

Cons

  • cons Annual fee
  • cons Limited lounge access
  • cons High APR
  • cons Miles expiry
  • cons Limited airline choice.
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8.

Delta SkyMiles Gold Business American Express Card

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The Delta SkyMiles Gold Business American Express Card is a travel rewards card tailored for small business owners. It offers benefits including earning 2 miles per dollar on eligible purchases made directly with Delta, U.S. advertising, U.S. shipping, and dining. Cardholders enjoy a first checked bag free on Delta flights, priority boarding, and no foreign transaction fees. Additionally, the card provides various business management tools and a welcome bonus for new members, making it ideal for frequent business travelers.

Pros

  • pros No foreign transaction fees
  • pros First checked bag free
  • pros Priority boarding
  • pros Earn miles on purchases
  • pros Annual fee waived first year.

Cons

  • cons Annual fee after first year
  • cons Limited lounge access
  • cons High APR
  • cons Low redemption value on some flights
  • cons Limited transfer partners.
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9.

Hilton Honors American Express Business Card

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The Hilton Honors American Express Business Card offers robust rewards for business expenses, including 12X points on Hilton purchases, 6X on select business and travel categories, and 3X on other purchases. Benefits include complimentary Hilton Honors Gold status, a free weekend night reward after spending $15,000 in a calendar year, and no foreign transaction fees. Ideal for frequent travelers, it combines valuable travel perks with business-friendly features, enhancing both work and leisure experiences. Terms apply.

Pros

  • pros High Hilton points earning rate
  • pros Complimentary Gold Status
  • pros Free Weekend Night Reward
  • pros No foreign transaction fees
  • pros Access to Amex Offers.

Cons

  • cons Annual fee
  • cons Limited airport lounge access
  • cons Rewards best for Hilton stays
  • cons High APR
  • cons Spending requirements for bonuses.
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