The best business credit cards for travel of November 2024

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There are many different types of business credit cards available, but the best ones are generally those that earn travel rewards.

The rewards you earn with business travel credit cards can be used to book flights or hotel stays for your employees or even fund your next vacation. These cards may also offer statement credits, no foreign transaction fees and travel or purchase protections, which provide additional value outside of the rewards you can earn.

Below, CNBC Select details the best small business travel credit cards. We look at the rewards and costs of each card, so you can make the best choice for your small business or side hustle. (See our methodology for more information on how we choose the best business credit cards for travel.)

Who's this for? The Chase Ink Business Preferred is an ideal fit for businesses that spend heavily on travel, shipping, internet, advertising (with social media sites or search engines) or cable and phone services.

Standout benefits: What makes this such a great business card for travel is the options you have for redeeming the points you earn. You can use Chase Ultimate Rewards® points to book travel through the Chase Travel^SM at a rate of 1.25 cents per point (25% more value than redeeming for cash back) or transfer them to 14 airline and hotel partners. The Ink Business Preferred also has a variety of travel insurance and purchase protection benefits, which can save your business money when things go wrong.

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Who's this for? The Blue Business Plus Credit Card from American Express is a simple, yet rewarding, card that's a good choice for anyone who's just starting a business venture.

Standout benefits: The American Express Blue Business Plus card earns American Express Membership Rewards® points, which are some of the best travel rewards you can earn.

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Who's this for? The American Express Business Gold Card is ideal for businesses whose primary expenses change month to month. Rather than having fixed bonus categories, with this card, you'll automatically earn elevated rewards for your 2 highest-spend categories each billing cycle from six eligible categories, allowing for maximum flexibility. While your top two categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.

Standout benefits: The six categories in which you can potentially earn bonus points, including airfare, U.S. advertising, U.S. purchases made from electronic goods retailers and software & cloud system providers, U.S. gas stations and U.S. restaurants. The card also provides access to various expense management tools, *baggage insurance, trip delay insurance, car rental loss and damage insurance and no foreign transaction fees (see rates and fees).

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Who's this for? The Business Platinum Card from American Express is ideal for business owners who frequently travel and enjoy luxury benefits.

Standout benefits: Cardholders enjoy a long list of premium perks, including complimentary airport lounge access, a statement credit for Global Entry or TSA PreCheck®, shopping credits, comprehensive travel insurance, complimentary hotel loyalty program status, rental car benefits and more. Plus, the Business Platinum Card earns valuable Membership Rewards points, which can be used to book just about any type of travel.

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Who's this for? The to IHG One Rewards Premier Business Credit Card can help small business owners quickly turn their expenses into free nights across IHG's 18 hotel brands, such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®.

Standout benefits: The biggest benefit of this card is an annual free night certificate valid and IHG hotels costing up to 40,000 points per night. Cardholders also enjoy VIP treatment with IHG One Rewards Platinum Elite status (as long as you remain a Premier cardmember), as well as up to $50 worth of United TravelBank Cash each year and a Global Entry, TSA PreCheck® or NEXUS statement credit of up to $100 every 4 years as reimbursement for the application fee charged to your card ($120 starting 10/1/24). Plus, cardholders get a fourth night free when redeeming points for a consecutive four-night IHG® hotel stay.

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Who's this for? The Southwest Rapid Rewards Performance Business Credit Card is geared toward business owners who want to save money and get special perks when flying Southwest and potentially earn the Southwest Companion Pass, which over time would allow them to save even more.

Standout benefits: This card comes with a handful of helpful travel benefits, such as bonus points every account anniversary, in-flight WiFi credits, upgraded boardings, a TSA PreCheck or Global Entry application fee credit and an opportunity to fast-track Southwest elite status or the coveted Southwest Companion Pass.

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The Chase Ink Business Preferred is an excellent business card with useful benefits, valuable rewards and a generous welcome bonus.

Rewards

• 3X points per dollar on the first $150,000 spent in combined purchases in select categories each account anniversary year (travel; shipping purchases; internet, cable and phone services; and advertising purchases with social media sites and search engines)
• 1X point per dollar spent on all other purchases

Welcome bonus

Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠

Annual fee

$95

Notable perks

You can use Chase Ultimate Rewards® points to book travel through Chase Travel^SM at a rate of 1.25 cents per point, which is a 25% increase in value compared to using the points for cash back.

The Ink Business Preferred also gives you the ability to transfer Chase points to numerous hotel and airline partners at a 1:1 ratio. Having the ability to transfer your points unlocks all sorts of redemption possibilities. For example, you could transfer points to World of Hyatt and book an all-inclusive resort stay in the Caribbean or transfer points to Aeroplan, Avianca or United and book cheap business-class flights to Europe on Star Alliance carriers.

This card also has built-in insurance coverage that automatically applies to eligible purchases, such as cell phone protection, purchase protection and extended warranty coverage. When you pay for eligible travel with the card, you'll also get insurance for rental cars (collision only), trip delays, trip cancellations/interruptions and baggage delays.

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The Blue Business Plus Credit Card from American Express has no annual fee (see rates and fees) and earns an above-average return on general, everyday expenses.

Rewards

• 2X points per dollar on the first $50,000 spent per year on everyday business purchases (then 1X point per dollar thereafter). Terms and limitations apply.
• 1X point per dollar spent on all other purchases

Welcome bonus

Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the card within your first 3 months of card membership. 

Annual fee

$0 (see rates and fees)

Notable perks

The American Express points you earn with this card transfer to 19 airline and hotel loyalty programs. With so many travel partners, there are lots of possibilities for maximizing your Amex points. Plus, American Express frequently offers transfer bonuses, which further increase the value of your points.

Other perks of the Blue Business Plus Credit Card from American Express include access to Expanded Buying Power*, extended warranty coverage, purchase protection, rental car insurance and the ability to link with Quickbooks for simplified accounting.

*The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.

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The American Express Business Gold Card is one of the best business cards for maximizing your spending. It offers flexible bonus reward categories based on where your business spends the most.

Rewards

• 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
• 1X point per dollar spent on all other purchases

Welcome bonus

Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*

Annual fee

$375 (see rates and fees)

Notable perks

Cardholders can also take advantage of expense management tools like the American Express^® App, year-end summaries and Vendor Pay by Bill.com and enjoy peace of mind with coverages like *baggage insurance, trip delay insurance and car rental loss and damage insurance.

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The Business Platinum Card from American Express is a premium business card loaded with perks that help justify its steep annual fee.

Rewards

• 5X points per dollar spent on flights and prepaid hotels on AmexTravel.com
• 1.5X points per dollar spent on eligible purchases at U.S. construction material, hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else (on up to $2 million of these purchases per card account per calendar year). Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
• 1X point per dollar spent on all other purchases

Welcome bonus

Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.

Annual fee

$695 (see rates and fees).

Notable perks

The Business Platinum Card from American Express has a long list of notable perks, including the following statement credits:

• Global Entry ($120) or TSA PreCheck® (up to $85) application fee credits
• $199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®
• Up to $90 per quarter for all Indeed products and services (up to $360 annually) Enrollment required. 
• Up to $10 per month in credit for purchases with U.S. wireless phone providers. Enrollment required. 
• Up to $150 for select Adobe prepaid annual plans for teams with Creative Cloud and Acrobat Pro DC. Enrollment required. 
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.

It also grants cardmembers access to over 1,400 airport lounges through the American Express Global Lounge Collection gold elite status with Marriott Bonvoy and Hilton Honors (enrollment required) and rental car benefits with National, Avis and Hertz. The card also offers *cell phone protection, trip delay insurance and trip interruption/cancellation coverage. Plus, cardholders can receive a 35% points rebate (up to 1,000,000 points per calendar year) on eligible airfare booked through Amex Travel using Amex's Pay with Points program.

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The IHG One Rewards Premier Business Credit Card is a hotel business card with a reasonable annual fee that can be easily justified by its ongoing benefits.

Rewards

• Up to 26X points per dollar spent at IHG Hotels and Resorts (10X points from IHG for being an IHG One Rewards Member, 10X points per dollar spent at IHG hotels as a cardholder and up to 6X points for having Platinum Elite status)
• 5X points per dollar spent on travel, at gas stations, select advertising, and restaurants
• 3X points per dollar spent on all other purchases

Welcome bonus

Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening

Annual fee

$99

Notable perks

Cardholders receive an annual free night certificate valid and IHG hotels costing up to 40,000 points per night (though the certificate can be combined with IHG points to book more expensive properties). Cardholders also receive automatic IHG Platinum Elite status and the fourth night free when booking IHG points stays of four nights or more. Benefits of IHG Platinum Elite status include complimentary room upgrades upon availability, late checkout and a welcome amenity at check-in.

Other perks include up to $50 worth of United TravelBank Cash each year and a statement credit of up to $100 every four years to put toward Global Entry, TSA PreCheck® or NEXUS statement credit of up to $100 every 4 years as reimbursement for the application fee charged to your card. Cardholders also earn 10,000 bonus points and a $100 statement after spending $20,000 on the card within the account anniversary year.

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The Southwest Rapid Rewards Performance Business Credit Card is Southwest's most premium business credit card and can be incredibly rewarding for frequent flyers, especially those chasing the Southwest Companion Pass or other Southwest elite status.

Rewards

• 4X points per dollar spent on Southwest® purchases
• 3X points per dollar spent on Rapid Rewards® hotel and car rental partners
• 2X points per dollar spent on rideshare
• 2X points per dollar spent on social media and search engine advertising, internet, cable, and phone services
• 1X point per dollar spent on all other purchases

Welcome bonus

Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.

Annual fee

$199

Notable perks

The Southwest Performance Business Card's annual fee can easily be offset if you take full advantage of its many benefits:

• 9,000 Rapid Rewards points every account anniversary (worth roughly $135)
• Up to 365 in-flight WiFi credits per year with Southwest Airlines (worth $8 each)
• Four Upgraded Boardings per year (when available)
• Up to $100 in application fee credit for TSA PreCheck® or Global Entry
• Up to $500 in Rapid Rewards transfer fee credits each membership year

This card is also useful in giving you a leg up on earning Southwest elite status. For every $5,000 you spend on the card, you'll earn 1,500 Tier Qualifying Points.

Plus, the Rapid Rewards points you earn from spending and the welcome bonus count toward earning a Southwest Companion Pass, which allows you to bring along a companion on any Southwest flight for just the cost of taxes and fees. If you live near an airport Southwest serves, the Companion Pass is one of the best travel deals because it works with points flights and flights paid with cash.

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Small business credit cards are essential for keeping personal and business expenses separate. But they can also earn valuable rewards for your everyday business expenses. With the right business credit card for travel, you can maximize the miles or points you earn and take advantage of benefits designed for travelers.

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of small business credit card products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best business travel credit cards.

To determine which business cards offer the best value, CNBC Select analyzed dozens of the most popular credit cards available to U.S. business owners. We compared each card on a range of features, including annual fee, employee card fee, rewards, welcome bonus, introductory and standard APR and foreign transaction fees, as well as factors such as required credit and customer reviews when available. We also considered additional perks, the application process and how easy it is to redeem points.

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*Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/ benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company; Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

For rates and fees of the Business Platinum Card® from American Express, click here.

For rates and fees of the Blue Business® Plus Credit Card from American Express, click here.

For rates and fees of the American Express® Business Gold Card, click here.