Top 7 Business Credit Cards for Seamless Travel in 2025

With more than two-thirds of business owners holding a business credit card (67%), there’s a vast market filled with numerous providers. While having many options is advantageous, choosing the right business travel credit card can be challenging.

The ideal card largely depends on your specific requirements, but making the right choice provides numerous benefits, especially for frequent travelers. Some business credit cards come with generous signup bonuses and cashback offers, while others provide travel perks like free gas miles, lounge memberships, airfare discounts, concierge services, or complimentary hotel stays worldwide.

Choosing the wrong card, however, could turn a costly business trip into a financial nightmare, making it essential to pick wisely if you’re often on the move. In this guide, I highlight the top business credit cards for travel this year, breaking down their main features to help you make an informed choice. Now, let’s dive into the details.

Below is my curated list of the best options for businesses prioritizing travel benefits.

The Ink Business Unlimited® Credit Card features no annual fee and offers an enticing introductory rate of 0% APR for the first year from account opening. It provides a straightforward cashback of 1.5% on every purchase, streamlining expense management. This simplifies tracking spending and managing cash flow with just one card. Additionally, the card includes a referral program that rewards you with up to 100,000 points annually when you refer others who get approved.

The card also comes with complimentary business cards, making it easier to monitor and control staff spending.

The Capital One Spark Miles for Business offers more than 15 travel programs to redeem your miles, giving flexibility for various travel preferences. You earn unlimited 2x miles on all purchases, allowing your rewards to grow quickly. If your card gets lost or stolen, you are protected with fraud liability coverage, meaning you won’t be liable for any unauthorized charges.

The card provides detailed itemized reports of your spending, making it easier to track expenses and stay compliant with tax software. You can also utilize virtual card numbers to safeguard against online fraud.

This American Express card, known as the Business Platinum Card®, awards you 150,000 membership points when you spend $15,000 during the first three months after opening your account. With a 0% interest rate in your first year, it’s an excellent choice for planning major purchases or trips. The card offers a 5x points multiplier on prepaid hotel bookings and flights, allowing you to earn points quickly. Benefits include access to airport lounges, premium hotel stays, resort reservations, and more. You also earn rewards on various bonus categories, making this card versatile for different types of spending.

Southwest Performance Business Credit Card offers four upgraded priority pass visits and expedited boarding each year, allowing you to board earlier than most travelers. This card has no foreign transaction fees, making it suitable for international travel. Additionally, you can qualify for Global Entry or TSA PreCheck®—helping you breeze through airport security and enjoy a smoother travel experience. Travel perks also include Wi-Fi credits to stay connected on the go.

Wyndham Rewards® Earner℠ Business Card is recognized as one of the top options for hotel loyalty programs. With each qualified hotel stay, you earn 1000 points, which are straightforward to redeem. You also have the advantage of rolling over your qualifying nights to the next year, allowing you to accumulate points over time without the pressure to use them immediately or risk losing them. These points can be used across three simple tiers to select different room types, amenities, and options during your stays at various hotels.

United Club℠ Business offers one of the best introductory bonus offers in its category. After spending $5000 within the first three months, you receive 75,000 points at no extra cost, which can be very valuable regardless of how you choose to use them. Cardholders also gain complimentary access to United Club lounges, valued at up to $650 annually, making pre-flight relaxation stress-free. Additionally, employee cards are available at no charge, allowing easy management and tracking of business expenses.

This Rewards Mastercard offers a high 3% cashback rate on all eligible purchases, giving you flexibility to earn more cashback according to your spending habits. Eligible purchases span categories like gas stations—international and domestic—travel spending, office supplies, tech services, wireless, and consulting. Additionally, you’ll earn 2% cashback on dining and 1% on all other expenses, allowing you to customize your earnings based on your business needs.Your ability to switch your chosen category through the mobile app adds a convenient feature that enhances your user experience.

Cashback rewards can be converted into deposits directly into your checking or savings accounts at Bank of America, giving you flexible options for accessing your rewards. You can also opt to receive a check by mail or apply your cashback as statement credits on your card. This level of flexibility, combined with the absence of annual fees, makes this card an excellent choice for business owners who travel frequently and want to maximize their benefits.

Key features include a 0% introductory APR for the first nine billing cycles, which means no interest accrues on your purchases during that period. Managing and tracking your credit card transactions is simplified with compatible business accounting software, allowing you to keep an eye on expenses seamlessly. With online and mobile access, paying rent, transferring funds, and conducting other financial operations can be done from anywhere, providing convenience and control. Additionally, fraud monitoring services help protect your credit card details against unauthorized use, giving you peace of mind when making transactions.

Other travel-oriented business credit cards worth considering include options such as Chase Ink Business Preferred, AmexTravel, Delta SkyMiles, Marriott Bonvoy, Hilton Honors, the American Express Centurion Card, Chase Ink Business Cash, and Chase Ultimate Rewards. Each offers unique advantages suited to different travel and spending habits.

Travel business credit cards are specifically tailored for those who often combine work trips with leisure, offering benefits like no foreign transaction fees, points for every dollar spent, and welcome bonuses from airlines. Many also provide extra perks such as roadside assistance and car rental insurance, which can add substantial value depending on your travel frequency and style. For example, certain cards reward you with 50% more points on qualifying travel and dining purchases, making them particularly beneficial if those are your primary spending categories. It’s important to compare these features carefully, as not all cards are equally suited to your individual needs. The best business travel cards can significantly streamline your trips and enhance your rewards.

When choosing a credit card for business travel, several key factors should influence your decision. First, consider the annual fee — some cards come with hefty charges, while others are free. Opting for a no annual fee card can save you money in the long run, especially if the card offers favorable introductory APR periods, such as 0% on purchases and balance transfers for up to 12 months. This can help you save more the more you use the card. Investigate the available rewards programs too. The top business credit cards often feature points systems that allow you to earn rewards on every dollar spent, with bonus points for travel and dining expenses. Knowing whether your preferred cards offer categories that earn multipliers like 3x or 4x points can help you maximize your rewards quickly.

Spending limits are another crucial aspect. You should ensure your card’s limits are adequate for your travel expenses to avoid unexpected issues during emergencies, like being unable to cover a hotel or car rental. It’s recommended that businesses avoid using personal cards for these expenses, to keep your finances organized and categorized correctly. When selecting a card, think about your typical expense categories—if you often spend on flights, hotels, or rental cars, look for a card that offers bonus points or protections for these categories. This can make a significant difference in your overall rewards and security.

The foreign transaction fee is a vital consideration. Many credit cards charge around 2-3% for transactions made outside your home country, which can add up quickly. For frequent international travelers, choosing a card with no foreign transaction fee can produce substantial savings. Similarly, paying attention to interest rates and APRs is important. Some cards offer low or 0% interest on purchases and balance transfers but may have lower rewards or higher fees. In contrast, cards with higher interest rates can lead to increased costs if you carry a balance. Finding a card with a low or zero percent APR can lead to meaningful savings over time, especially if you tend to carry balances or make large purchases regularly.

Taking all these factors into account will help you select the most suitable business credit card for your travel needs, ensuring you get the best combination of rewards, protections, and cost savings.When choosing a business credit card, it’s ideal to find one offering an introductory period of at least 12 months during which you won’t pay interest on your purchases or balance transfers. If that’s not feasible, opting for a variable APR lower than the national average can still save you significant money over time.

Application fees may apply when you submit an application for a credit card, and these fees differ depending on the issuer. This fee is usually a one-time cost, so it’s important to consider it carefully before making your decision. Since this fee is often nonrefundable, avoid applying for a card if there’s a possibility you won’t be approved, as you could lose the fee without gaining the card. Always review the issuer’s eligibility requirements beforehand to ensure your application has a good chance.

Many business credit cards offer bonus points when you spend with specific hotel and car rental partners. If you frequently stay at a certain hotel chain or rent vehicles from a particular company, it makes sense to find a card that rewards you for using those services. These points can often be redeemed for benefits such as free room upgrades or discounts on vehicle rentals. If travel perks are important to you, it’s worthwhile to look for a card that provides such bonus rewards.

Customer service quality can vary greatly among credit card issuers, especially when traveling and encountering issues. Some companies excel at resolving problems quickly and efficiently, providing helpful support, while others are less responsive or unhelpful. Before applying, research the reputation of the issuer’s customer service, so you can avoid potential frustrations if problems arise with your card later on.

Not all business credit cards are suitable for every applicant; some have specific eligibility criteria. For example, certain cards may require your company to have a minimum annual revenue or be of a certain size. If you’re unsure about your eligibility, it’s best to contact the card issuer directly before applying to avoid wasting time on a card you don’t qualify for.

Your credit score can influence the interest rates you’re offered for a business credit card. While some cards accept applicants with lower credit scores, they usually come with higher APRs. If you have a good or excellent credit score and want a lower rate, look for cards that are specifically designed for those with strong credit histories. Comparing offerings from the same issuer can help you secure better terms and avoid the need to switch lenders later. Make sure to review the specific terms and conditions of each card before applying.

When selecting a business credit card, consider other expenses you frequently encounter, such as paying for cable, cell phone services, office supplies, or other routine business costs. Ideally, choose a card that offers bonus points for these common expenditures. Having multiple cards with separate bonus categories can be cumbersome, so find one that consolidates rewards across various types of spending. Reward rates for travel-related expenses, like flights, hotels, and car rentals, typically range from 3% to 5%, so prioritize cards that maximize these categories.

Additional features, such as warranty extensions, can add value. Some credit cards automatically extend the manufacturer’s original warranty on items purchased with the card, which can be beneficial depending on what you buy most often. If travel is a primary concern, seek out cards designed specifically for travel rewards—these often include benefits like lounge access, travel insurance, and other perks. For startup businesses considering a travel-oriented credit card, it’s crucial to read all the fine print, as not all cards in this category offer the same benefits. If your interest lies in a no-credit or new-business credit card, other factors like application requirements and benefits should guide your choice.

In summary, selecting the best business credit card for travel involves comparing features and costs carefully. A well-chosen card can help you save money, earn valuable rewards, and enhance your travel experience. Top picks include the Ink Business Unlimited for unlimited cashback, the Capital One Spark Miles for overall travel rewards, and The Platinum Card from American Express Business for rapid accumulation of membership points. Any of these options offers strong features that can support your business travel needs, helping you explore the world while spending wisely. Have you used a travel credit card for your business before? Share your experience in the comments below.