best business travel credit cards

Business travel cards are essential tools for managing expenses and earning rewards. These cards offer features like expense tracking, travel perks, and rewards tailored to business needs. Benefits such as cashback enhance your travel experience. These cards simplify financial tracking and reporting by integrating expense management tools, making them a valuable asset for frequent travelers.

Choosing the best business travel credit cards can streamline expenses and provide exclusive rewards and perks. However, finding the best card for your business can take time and effort with many options. Whether you’re looking to maximize rewards, keep things simple, or stay cost-effective, you need a card that fits your financial goals.

This guide will review the top 10 business cards in the US, including those suited for small businesses. We’ll highlight each card’s features, rewards, and benefits and explain what makes them stand out. This will help you choose the best business travel credit cards for your business needs.

List of Top 10 Best Business Travel Credit Cards in the USA

1. ITILITE Cards

itilite corporate travel card represents an intelligent payment solution for corporate travelers and is a gateway to substantial business cost savings. The card is suitable for small and big companies alike. Below, we outline some unparalleled advantages presented by the itilite as one of the best business travel credit cards that qualifies it to be at the top of the list of best business travel cards.

  • Leading the Industry with a Remarkable 1.5% Cashback : A standout feature of the itilite Corporate Travel Card is its remarkable 1.5% cashback offer, which currently stands as the highest in the industry. This cashback directly contributes to the company’s financial bottom line. Hence, the card is the most preferred choice among the top 10 small business cards. With itilite, you recoup a significant portion of your travel expenses, thereby reducing cost and bolstering your travel budget.
  • Benefits Designed with the Company in Mind : Many business owners seek the best travel credit card business to simplify expense tracking and earn rewards. itilite, one of the best business travel cards, has an array of benefits strategically crafted to primarily advantage the company. The cashback, rewards, and cost savings are all channeled toward diminishing your travel expenditures.
  • No Additional Charges for Issuing Any Number of Cards : Flexibility is a key strength of the itilite Corporate Travel Card program. In contrast to specific competitors who impose fees for each additional card issuance, itilite permits your company to issue as many cards as required to accommodate your employees’ spending habits – all without incurring any additional costs. This scalability ensures that you can effectively oversee the travel expenses of your entire workforce without concerns about mounting expenses.
  • Unlimited Virtual and Physical Cards at No Cost : itilite goes a step further by providing your company with an unlimited supply of both virtual and physical cards at no charge. Conversely, other prominent providers, such as AMEX, often levy annual fees ranging from $50 to $500 per card. This substantial cost savings can significantly influence your organization’s strategy for managing travel expenses.

2. Ink Business Unlimited® Credit Card

The Ink Business Unlimited® Credit Card offers generous cashback benefits to small businesses and provides a 0% introductory annual percentage rate (APR) on purchases for the first 12 months. Afterward, a variable APR ranging from 18.49% to 24.49% applies to purchases and balance transfers.

A balance transfer fee, either $5 or 5% of the transfer amount (whichever is greater), is also in effect. The initial 0% APR period can benefit significant small business expenses, provided you can clear the balance before the promotional rate expires to maximize the advantages. Finding the best travel credit card business can lead to significant savings and improved travel experiences.

  • Sign-Up Bonus : A $900 cashback bonus when you spend $6,000 on purchases within the initial 3 months of opening your account.
  • Ongoing Cash Back Rewards : A 1.5% cash back on every business-related purchase you make.
  • No Annual Fees : This credit card doesn’t come with any annual fees, helping you save money.
  • Flexible Reward Redemption : Redeem your earned rewards for cash back, gift cards, travel, and more through the Chase Ultimate Rewards® program.
  • Employee Card Benefits : Obtain employee cards at no extra cost and set individual spending limits to enhance financial control within your business.
  • Enhanced Security : Benefit from 24/7 monitoring in this one of the best business travel cards to detect and prevent unusual or unauthorized credit card transactions.

3. Capital One Spark Cash Plus

The Capital One Spark Cash Select Credit Card is a business travel credit card. It is available in two variants. This particular version is tailored for business owners with strong credit profiles seeking flexibility in their payments. It offers a 0% introductory APR for the initial 12 months, followed by a variable APR ranging from 21.24% to 29.24%.

  • 1.5% Cash Back Earnings : An unrestricted 1.5% cash-back reward on your purchases.
  • No Yearly Charges : There are no annual fees associated with this card, saving you money.
  • Complimentary Employee Cards : Receive employee cards at no additional cost, facilitating expense management within your business.
  • On-the-Road Support : Benefit from complimentary roadside assistance services for added peace of mind when traveling.

4. The Blue Business® Plus Credit Card from American Express

The American Express Blue Business® Plus Credit Card is one of the best business travel cards designed for business rewards. Cardholders can earn two points for every dollar spent on the first $50,000 annually and one point per dollar beyond that threshold. 

You won’t be charged an annual fee, and you can also benefit from the card’s introductory 0% APR on purchases for the initial 12 months after opening your account.

Following this period, a variable APR ranging from 18.49% to 26.49% will apply, depending on factors such as your creditworthiness and circumstances at the time of account opening.

  • Sign-Up Bonus : Receive 15,000 Membership Rewards® points after spending $3,000 on eligible purchases with your Card during the initial 3 months of Card Membership.
  • No Introductory APR : Enjoy a 0.0% introductory APR on purchases for the first 12 months from the date of account opening. After this period, the variable rate, ranging from 18.49% to 26.49%, will apply based on your creditworthiness and other account opening factors. The APR will not exceed 29.99%.
  • Rewards on Business Expenses : Earn 2X Membership Rewards® points on typical business purchases, including office supplies and client dinners. This 2X earning rate applies to the first $50,000 in annual purchases, with 1 point per dollar thereafter.
  • Increased Spending Capability : Benefit from the ability to use your Card beyond its credit limit with Expanded Buying Power.
  • No Annual Fees : There are no annual fees associated with this card, helping you save on costs.

5. The Hilton Honors American Express Business Card

The Hilton Honors American Express Business Card is the exclusive Hilton small business card among the four Hilton cards available from American Express. Being one of the best business travel credit cards, it presently provides a generous welcome offer.

That is 130,000 Hilton Honors bonus points when you spend $3,000 on the card within the initial three months of card membership. This compelling bonus is especially noteworthy given the card’s modest $95 annual fee.

  • Welcome Bonus : A bonus of 150,000 Hilton Honors points and receive a complimentary night reward by spending $4,000 on purchases during the initial three months of your membership. All this is available for a mere $95 annual fee.
  • Rewards : One of the card’s standout features lies in its generous rewards system. Cardholders can earn an impressive 12 Hilton Honors Bonus Points for every dollar spent at participating hotels and resorts within the Hilton portfolio. Additionally, they can earn 6 points per dollar at U.S. restaurants, gas stations, flights booked directly with airlines, and more.
  • Benefits at Spending Thresholds : By spending $15,000 in a calendar year, cardholders can earn a Free Night Reward, usable at almost any Hilton property globally. Additionally, cardholders receive automatic mid-tier Hilton Gold status, entailing benefits like an 80% bonus on points earned from stays.
  • Enhanced Travel Experience : To further elevate the travel experience, cardholders can enroll in the Priority Pass Select Membership, which grants them access to over 1,200 airport lounges worldwide, allowing for 10 complimentary visits annually.

6. Capital One Spark Miles for Business

The Capital One Spark Miles for Business card is a fantastic option to enhance your international travel. It is one of the best business travel credit cards as it provides an initial annual fee of $0 for the first year (subsequently $95), making it an attractive choice, especially for small business owners, due to its array of appealing benefits.

  • Abundant Miles Earning Potential : One of the card’s remarkable features is the ability to earn an unlimited 2 miles for every dollar spent on all purchases, presenting ample opportunities to accumulate valuable miles. Moreover, for hotel and rental car bookings made through Capital One Travel, cardholders can earn an impressive 5 miles for each dollar spent.
  • Generous Welcome Bonus : The card includes a welcome bonus of 50,000 bonus miles, attainable by spending $4,500 on purchases during the initial three months of opening the account. This substantial bonus significantly enhances the overall value of the card.
  • Ideal for International Travel : For travelers venturing abroad, the Capital One Spark Miles for Business card proves to be an excellent choice as it imposes no foreign transaction fees on international purchases. Additionally, the card offers a reimbursement of up to $100 for Global Entry or TSA PreCheck application fees every four years. This not only leads to cost savings but also expedites the security screening process, enhancing the convenience of international travel.

7. The Business Platinum Card® from American Express

The Business Platinum Card from American Express is one of the best business travel credit cards. It offers a host of premium features tailored to elevate your travel and business experience. Earn 5X Membership Rewards® points on flights and prepaid hotels when booking through AmexTravel.com.

You can also access over 1,400 airport lounges across 140 countries with the Global Lounge Collection, ensuring comfort and relaxation on your journeys.

Enjoy up to $200 in annual statement credits for airline incidental fees and receive up to $189 in statement credits for a CLEAR Plus membership, expediting security procedures. This card is your ultimate companion for seamless, rewarding, and stress-free business travel.

  • Enhanced Earning Potential : Earn 5X Membership Rewards® points when booking flights and prepaid hotel accommodations at AmexTravel.com. This means you can transform a summer trip to Madrid into a winter getaway to Miami.
  • Extensive Airport Lounge Access : The American Express Global Lounge Collection® offers a haven at the airport, boasting a vast network of over 1,400 lounges spanning 140 countries and continuing to grow. In fact, it provides more lounge locations than any other credit card on the market.
  • Airline Fee Reimbursement : Select a qualifying airline and receive up to $200 in statement credits annually for incidental fees like checked bags and in-flight refreshments charged to your Business Platinum Card® Account.
  • CLEAR Identity Verification Benefit : CLEAR® employs advanced methods, including eye and fingerprint recognition, to digitally confirm identities, expediting security clearance at select airports, stadiums, and entertainment venues nationwide. Following payment for CLEAR Plus with your Business Platinum Card, you can offset the cost of a CLEAR Plus membership with up to $189 in annual statement credits.

8. World of Hyatt Business Credit Card

The World of Hyatt Business Credit Card is renowned for being a top choice among business credit cards tailored for travel. Thanks to its extensive range of perks and rewards, it does come with an annual fee of $199.

Upon your initial membership, you can receive a substantial 60,000 bonus points as a generous reward for spending $5,000 on purchases within the first three months of opening your account.

  • Enhanced Spending Benefits : For cardholders who spend $50,000 or more on the card within a calendar year, there’s an additional incentive. They’ll receive 10% of the points they redeem back as bonus points for the remainder of that calendar year, up to a maximum of 20,000 points annually.
  • Rewarding Earning Structure : The World of Hyatt Business Credit Card offers an appealing system for earning rewards. Cardholders earn 2 Bonus Points for every dollar spent within their top three spending categories each quarter until 12/31/23. These categories can encompass expenses like dining, airline tickets, local transit, and more. Additionally, you earn 4 points for every dollar spent at Hyatt Hotels, further enhancing your potential for accumulating rewards.
  • Elite Status Progression : Another valuable perk of this card is the opportunity to acquire 5-night credits with every $10,000 in card spending during a calendar year. These credits assist you in advancing towards elite status within the World of Hyatt loyalty program, unlocking additional benefits such as room upgrades, late checkout, and more.

9. Ramp Card

The Ramp Card is a corporate charge card designed for incorporated businesses in the United States, including corporations, LLCs, and limited partnerships.

It offers several advantageous features, including no annual fees, an unlimited 1.5% cashback reward, card-level spending management tools, and seamless integration with leading business software applications.

Differing from many other business credit cards, the Ramp Card can be obtained without the need for a personal guarantee or a credit check. Eligibility is based on your business’s robust revenue and the presence of at least $75,000 in a dedicated business bank account.

  • Card Category: Small Business : These best business travel credit cards are specifically designed to cater to the needs of small businesses. They offer features and benefits tailored to address the unique financial requirements of small business owners, making them suitable choices for those running enterprises on a smaller scale.
  • Annual Fee: No Cost : One of the key advantages of this card is that it doesn’t impose an annual fee. Small business owners can use the card without incurring an annual expense, allowing them to allocate their financial resources more effectively to other business needs.
  • Welcome Bonus: Absent : Unlike some credit cards that provide a welcome bonus or sign-up incentive, this card does not offer an initial bonus. This means that you won’t receive a lump sum of extra rewards or cash when you first open your account. It’s essential to consider this when evaluating the overall value of the card.
  • Rewards Structure: Cash Back : With this card, you can earn a steady 1.5% cash back on purchases. This means that you receive 1.5 cents back in cash for every dollar you spend. The cashback can be accumulated over time and later redeemed as a statement credit, reducing your card balance or covering eligible expenses. The simplicity of this rewards structure makes it easy to earn and use your rewards.

10. Marriott Bonvoy Business® American Express® Card

The Marriott Bonvoy Business® American Express® Card is a reliable choice for small business owners who are enthusiastic about Marriott Bonvoy.

It offers valuable advantages like an annual complimentary night stay at hotels (up to 35,000 points) and the opportunity to fast-track your Marriott elite status through a yearly allocation of 15 elite night credits.

  • Card Category: Hotel and Small Business : This credit card serves a dual purpose, benefiting both hotel enthusiasts and small business owners.
  • Annual Fee: $125 : The card requires an annual fee of $125, which covers access to its features and rewards.
  • Welcome Bonus: Lucrative Offer : New cardholders can earn a substantial bonus of 125,000 Marriott Bonvoy Points by spending $8,000 on purchases within the first six months of Card Membership. This offer has expired on November 1, 2023, and terms and conditions apply.
  • Points Valuation: Estimated Value : According to NerdWallet, Marriott points are valued at 0.8 cents each. This valuation can be useful when assessing the worth of accumulated points and rewards.
  • Interest Rate: Variable APR : The card carries an ongoing variable APR, ranging from 20.99% to 29.99%, which applies to any outstanding balances. The specific APR you receive will depend on your creditworthiness and other factors.

How to Evaluate the Best Business Travel Credit Card?

Evaluating the best business travel credit cards involves considering several factors to ensure you select one that aligns with your company’s travel needs and financial goals. Here’s a guide to help you make an informed decision:

1. Rewards Program

When searching for the best travel credit card business, comparing rewards and benefits is important.

  • Points vs. Miles : Determine whether the card offers points or miles and evaluate how these rewards can be redeemed (e.g., for flights, hotels, or cash back).
  • Earning Potential : Look at the earning rate for travel-related expenses and everyday business purchases. Some cards offer higher rewards for travel bookings, dining, and office supplies.

2. Sign-Up Bonus

  • Initial Offers : Consider cards that offer substantial sign-up bonuses, which can significantly boost your rewards in the first few months.
  • Spending Requirement : Ensure the spending requirement to earn the bonus is realistic for your business.

3. Travel Perks

  • Airport Lounge Access : Cards offering complimentary access to airport lounges can enhance your travel experience.
  • Hotel Benefits : Look for complimentary upgrades, late check-out, or free breakfast at partner hotels.
  • Airline Benefits : Some cards provide free checked bags, priority boarding, or in-flight discounts.

4. Fees

  • Annual Fees : Assess whether the benefits outweigh the annual fee. Some premium cards offer extensive perks that justify higher fees.
  • Foreign Transaction Fees : To avoid extra charges for international travel, choose a card with no foreign transaction fees.

5. Interest Rates and Payment Terms

  • APR : Evaluate the card’s Annual Percentage Rate (APR) to understand the cost of carrying a balance.
  • Grace Period : Ensure a sufficient grace period to pay off balances without incurring interest.

6.  Insurance and Protections

  • Travel Insurance : Look for cards that offer travel insurance, covering trip cancellations, lost luggage, and emergency assistance.
  • Purchase Protection : Check if the card offers extended warranties or protection against theft or damage for business purchases.

7.  Customer Support

  • 24/7 Assistance: Choose a card that offers reliable, round-the-clock customer support, especially for travel-related issues.

By carefully evaluating these factors, you can choose a business travel credit card that maximizes rewards, enhances travel experiences, and aligns with your company’s financial strategy.

Simplify Travel Spend Management with IL Cards

Choosing the best travel credit card business can significantly enhance your travel experience. itilite presents an all-encompassing solution for optimizing expenditure management like never before. With itilite, you can achieve 100% adherence to your expense policy, ensuring comprehensive control over your business outlays.

But that’s not all! By choosing the IL Cards, you’re overseeing your expenses and earning as you spend. Enjoy an impressive 1.5% cashback, turning every purchase into a mutually beneficial transaction. Our user-friendly card reconciliation process simplifies expense tracking.

Moreover, with tailored reporting, you gain valuable insights into your spending habits and effortlessly adapt your financial strategies. itilite is the gateway to a smarter, more efficient, and rewarding journey in managing expenditures.

To learn more, book a free demo now.