Small Business Credit Cards for Travel in 2024

Choosing the right credit card for your small business can significantly enhance your travel experience, providing rewards, benefits, and perks that can save money and offer convenience. Here’s a comprehensive guide to some of the best small business credit cards for travel, highlighting their key features, benefits, and ideal user profiles.

best small business credit card for travel
best small business credit card for travel

1. Chase Ink Business Preferred® C

redit Card

Overview

The Chase Ink Business Preferred® Credit Card is a top choice for small business owners who travel frequently. It offers a robust rewards program, travel protections, and flexible redemption options through Chase Ultimate Rewards®.

Key Features

  • Welcome Offer: Earn 100,000 bonus points after spending $15,000 on purchases in the first 3 months.
  • Rewards: Earn 3x points on the first $150,000 spent on travel, shipping purchases, internet, cable, phone services, and advertising on social media and search engines each account anniversary year. Earn 1x point on all other purchases.
  • Redemption: Points are worth 25% more when redeemed for travel through Chase Ultimate Rewards®.
  • Travel Protections: Includes trip cancellation/interruption insurance, primary car rental insurance, and purchase protection.
  • No Foreign Transaction Fees: Save on purchases made outside the U.S.

Ideal For

Small business owners who have substantial travel, shipping, or advertising expenses and want to maximize rewards and benefits.

Annual Fee

$95

2. American Express® Business Platinum Card

Overview

The American Express® Business Platinum Card is designed for business owners who prioritize luxury travel perks and extensive rewards. It offers premium benefits and high reward rates on travel purchases.

Key Features

  • Welcome Offer: Earn 120,000 Membership Rewards® points after spending $15,000 on eligible purchases within the first 3 months.
  • Rewards: Earn 5x Membership Rewards® points on flights and prepaid hotels booked through amextravel.com, 1.5x points on eligible purchases in select business categories and on purchases of $5,000 or more, up to 1 million additional points per year, and 1x point on other purchases.
  • Travel Credits: Up to $200 airline fee credit annually, up to $100 credit for Global Entry or TSA PreCheck, and $179 CLEAR® membership credit.
  • Airport Lounge Access: Access to the Global Lounge Collection, including Centurion Lounges, Priority Pass Select, and more.
  • Hotel Benefits: Fine Hotels & Resorts® and The Hotel Collection benefits, including room upgrades, daily breakfast, and late checkout.
  • Additional Benefits: Complimentary Hilton Honors Gold Status and Marriott Bonvoy Gold Elite Status.
best small business credit card for travel
best small business credit card for travel

Ideal For

High-spending business travelers who value luxury travel experiences can take full advantage of the extensive travel credits and perks.

Annual Fee

$695

3. Capital One Spark Miles for Business

Overview

The Capital One Spark Miles for Business offers a simple, straightforward rewards program with unlimited earning potential and valuable travel benefits. It’s ideal for business owners looking for flexibility and ease of use.

Key Features

  • Welcome Offer: Earn 50,000 miles after spending $4,500 on purchases within the first 3 months.
  • Rewards: Earn unlimited 2x miles per dollar on every purchase, without caps or category restrictions.
  • Transfer Partners: Transfer miles to over 15 travel loyalty programs.
  • Travel Benefits: Up to $100 credit for Global Entry or TSA PreCheck.
  • No Foreign Transaction Fees: Ideal for international business travel.

Ideal For

Business owners looking for a simple, flat-rate rewards program with flexible redemption options and valuable travel perks.

Annual Fee

$0 intro for the first year, then $95

4. Bank of America® Business Advantage Travel Rewards World Mastercard®

Overview

The Bank of America® Business Advantage Travel Rewards World Mastercard® is an excellent choice for small business owners who prefer no annual fee and solid travel rewards. It offers competitive rewards and benefits without the extra cost.

Key Features

  • Welcome Offer: Earn 30,000 online bonus points after making at least $3,000 in net purchases in the first 90 days.
  • Rewards: Earn unlimited 1.5 points per $1 spent on all purchases. Earn 3 points per $1 spent when you book travel through the Bank of America Travel Center.
  • No Foreign Transaction Fees: Ideal for international travel.
  • Travel Benefits: Auto rental collision damage waiver and travel and emergency assistance services.

best small business credit card for travel

Ideal For

Small business owners who want a straightforward rewards program with no annual fee and solid travel rewards.

Annual Fee

$0

5. Delta SkyMiles® Gold Business American Express Card

Overview

The Delta SkyMiles® Gold Business American Express Card is perfect for business owners who frequently fly with Delta Airlines. It offers valuable airline-specific perks and rewards that can enhance the travel experience.

Key Features

  • Welcome Offer: Earn 70,000 bonus miles after spending $3,000 in purchases within the first 3 months.
  • Rewards: Earn 2x miles on Delta purchases, U.S. shipping purchases, U.S. advertising in select media, and dining at restaurants. Earn 1x mile on all other purchases.
  • Travel Benefits: First checked bag free on Delta flights, priority boarding, and 20% savings on in-flight purchases.
  • No Foreign Transaction Fees: Saves money on international purchases.

Ideal For

Business owners who frequently fly with Delta Airlines can take advantage of the airline-specific perks and rewards.

Annual Fee

$0 introductory annual fee for the first year, then $99

Conclusion

Choosing the best small business credit card for travel depends on your specific needs, spending patterns, and travel habits. Whether you prioritize luxury travel experiences, flexible rewards, or airline-specific perks, there is a card that can enhance your business travel experience and help you maximize your rewards. Consider your business’s travel frequency, typical expenses, and the types of rewards and benefits you value most when selecting the card that best suits your needs.

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