Travel being a common necessity for many entrepreneurs, having the right travel credit card can provide both financial rewards and logistical ease. Business credit cards that offer travel benefits can significantly enhance your ability to earn points, streamline your expenses, and access exclusive perks. But with so many options available, how do you choose the best one? This article explores the best travel credit cards for business owners in 2025, helping you make an informed decision to maximize your business rewards and travel benefits.
Why Choose a Travel Credit Card for Your Business?
Before diving into the top travel credit cards, it’s important to understand why you might want to use a business travel credit card. These cards can help you:
- Maximize Rewards: Many travel credit cards offer generous points or miles for every dollar spent. If your business involves regular travel, you can earn significant rewards that can be redeemed for flights, hotel stays, and other travel-related expenses.
- Seamless Business Expense Management: Business travel cards allow you to keep personal and business expenses separate, making accounting and taxes easier to manage.
- Exclusive Perks: Business travel credit cards often come with additional perks like priority boarding, airport lounge access, travel insurance, and concierge services.
- Boost Business Credit: Using a business credit card responsibly can help build your company’s credit, which can lead to better financing options in the future.
Top Travel Credit Cards for Business Owners
1. Chase Ink Business Preferred Credit Card
The Chase Ink Business Preferred Credit Card is a top contender for any business owner looking to earn travel rewards. With a generous sign-up bonus and strong ongoing earning potential, it’s ideal for businesses with significant travel expenses.
- Key Benefits:
- Earn 3 points per dollar on the first $150,000 spent on travel, shipping, internet, cable, and phone services, and advertising purchases made with social media sites and search engines each account anniversary year.
- Earn 1 point per dollar on all other purchases.
- A sign-up bonus of 100,000 points (worth up to $1,250 in travel rewards when redeemed through Chase Ultimate Rewards®).
- Access to a variety of travel protections, including trip cancellation/interruption insurance and auto rental collision damage waiver.
- Annual Fee: $95
This card is perfect for businesses that spend a lot on travel-related expenses and advertising. The sign-up bonus is especially appealing for business owners looking to get the most out of their rewards.
2. American Express Business Gold Card
For businesses looking for more flexibility with their travel rewards, the American Express Business Gold Card is a great option. This card offers the flexibility of earning 4 points on the two categories where your business spends the most each month, making it a valuable choice for businesses with varied expenses.
- Key Benefits:
- Earn 4 points on the two categories where you spend the most each month (up to $150,000 in combined purchases per year).
- Earn 3 points on flights booked directly with airlines or on amextravel.com.
- 1 point on other purchases.
- Flexible points redemption through the Membership Rewards program, including the ability to transfer points to over 20 airline and hotel partners.
- Annual Fee: $295
This card is excellent for business owners who want to maximize rewards across different spending categories. It’s ideal for businesses with diverse expenses, from travel to advertising, making it a versatile option for managing business finances.
3. Capital One Spark Miles for Business
For business owners who prefer simplicity, the Capital One Spark Miles for Business is a straightforward and reliable option. With unlimited 2 miles per dollar on every purchase, this card is perfect for businesses that want to rack up miles quickly without worrying about spending categories.
- Key Benefits:
- Earn 2 miles per dollar on every purchase.
- A sign-up bonus of 50,000 miles (worth $500 toward travel expenses).
- Miles can be redeemed for flights, hotels, and rental cars, or transferred to more than 15 travel partners.
- No foreign transaction fees, making it ideal for international business travel.
- Annual Fee: $95 (waived for the first year)
The simplicity and high earning rate of this card make it ideal for business owners who want to earn travel rewards without having to track specific spending categories. It’s a no-fuss option for those who travel frequently and want to redeem their rewards quickly.
4. The Business Platinum Card from American Express
If you’re a business owner who travels regularly and wants premium perks, the Business Platinum Card from American Express is a top-tier option. With exclusive access to luxury airport lounges, comprehensive travel protections, and robust rewards earning rates, this card offers substantial value for high-spending business owners.
- Key Benefits:
- Earn 5 points per dollar on flights and prepaid hotels booked through American Express Travel.
- 1.5 points on eligible purchases in key business categories, such as advertising, shipping, and technology.
- Access to the American Express Global Lounge Collection, which includes over 1,200 airport lounges worldwide.
- $200 airline fee credit each year.
- Premium travel protections like trip delay insurance, car rental loss and damage insurance, and more.
- Annual Fee: $695
While the annual fee is high, the travel perks offered by the Business Platinum Card can easily offset the cost for businesses that prioritize luxury and comprehensive travel rewards.
5. Bank of America Business Advantage Travel Rewards World Mastercard
For businesses looking for a no-annual-fee option with solid travel rewards. The Bank of America Business Advantage Travel Rewards World Mastercard offers great value. With unlimited 1.5 points per dollar on all purchases and no annual fee. It’s a budget-friendly choice for small business owners.
- Key Benefits:
- Earn 1.5 points per dollar on every purchase.
- No annual fee.
- Earn unlimited points that can be redeemed for travel expenses like flights, hotels, and more.
- Points don’t expire, and there’s no limit on the amount of points you can earn.
- Annual Fee: $0
This card is perfect for business owners who want to earn travel rewards without dealing with complex point categories or high annual fees.
Conclusion
When choosing the best travel credit card for your business. It’s important to consider your spending habits, the value of the rewards, and the travel perks that matter most to you. Cards like the Chase Ink Business Preferred and American Express Business Gold Card are excellent choices for businesses with high travel or advertising expenses, while options like the Capital One Spark Miles for Business and Bank of America Business Advantage Travel Rewards World Mastercard provide flexibility with simpler rewards structures.
By leveraging the right travel credit card, business owners can maximize rewards, save on travel costs. Enjoy a smoother travel experience. Evaluate your business’s needs and choose a card that aligns. Your spending patterns to get the most out of your business travel.
