The Best Business Credit Cards for Travel: Maximize Rewards & Perks in 2025

Introduction

If you travel frequently for business, having the right business credit card can make a world of difference. The best business credit cards for travel offer generous rewards, exclusive airport lounge access, travel insurance, and even statement credits for flight and hotel expenses. Whether you’re a frequent flyer or an occasional traveler, picking the right card can help you earn valuable rewards while saving money on every trip.

In this guide, we’ll explore the top business travel credit cards, what makes them the best, and how you can use them to maximize benefits. Let’s dive in!

What to Look for in a Business Travel Credit Card

Before selecting a credit card for your business travel needs, consider the following factors:

• Reward Points & Miles: Look for cards that offer high reward rates on travel-related purchases like airfare, hotels, car rentals, and dining.
• Lounge Access & Travel Perks: Premium business cards often come with complimentary access to airport lounges, priority boarding, and free checked bags.
• Foreign Transaction Fees: If you travel internationally, choose a card that waives foreign transaction fees to avoid unnecessary charges.
• Travel Insurance & Protections: Top-tier cards provide trip cancellation insurance, rental car coverage, and emergency assistance.
• Annual Fees vs. Benefits: While some business credit cards come with high annual fees, the benefits often outweigh the cost if you travel frequently.

Top Business Credit Cards for Travel in 2025

1. American Express Business Platinum Card

Why It’s the Best:

• Earn 5X Membership Rewards points on flights and prepaid hotels booked through Amex Travel.
• Complimentary airport lounge access via Priority Pass, Centurion Lounges, and Delta Sky Clubs.
• Up to $200 airline fee credit for incidental travel expenses.
• No foreign transaction fees.
• Trip delay and cancellation insurance included.

Best For: Business owners who travel frequently and want luxury perks like lounge access and premium concierge services.

2. Chase Ink Business Preferred® Credit Card

Why It’s the Best:

• Earn 3X points per $1 on travel, shipping, and advertising expenses (up to $150,000 annually).
• Points are worth 25% more when redeemed for travel through Chase Ultimate Rewards.
• Cell phone protection up to $1,000 per claim.
• No foreign transaction fees.
• Primary rental car insurance for business trips.

Best For: Small business owners looking for a flexible rewards program with high-value redemption options.

3. Capital One Spark Miles for Business

Why It’s the Best:

• Earn 2X miles on every purchase, with no category restrictions.
• Global Entry/TSA PreCheck fee credit ($100 value).
• No blackout dates or restrictions on travel redemptions.
• No foreign transaction fees.
• Rental car insurance and travel accident insurance included.

Best For: Business owners who prefer a simple flat-rate rewards system without tracking categories.

4. CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

Why It’s the Best:

• Earn 2X miles on American Airlines purchases, gas stations, and select business expenses.
• First checked bag free on domestic American Airlines flights.
• Preferred boarding on American Airlines flights.
• 25% savings on in-flight Wi-Fi, food, and beverage purchases.
• No foreign transaction fees.

Best For: Business travelers who frequently fly with American Airlines and want airline-specific perks.

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

Why It’s the Best:

• Earn 1.5X points per dollar on all purchases.
• No annual fee.
• No foreign transaction fees.
• Redeem points for travel with no blackout dates.
• 0% intro APR for 9 billing cycles on purchases.

Best For: Small business owners who want travel rewards without an annual fee.

How to Maximize Business Travel Credit Card Rewards

1. Use Your Card for All Business Travel Expenses
   Always pay for flights, hotels, rental cars, and meals with your business travel credit card to maximize points.
2. Leverage Bonus Categories
   Some cards offer higher rewards for travel-related expenses, so use the right card for the right purchase.
3. Redeem Points Strategically
   Many travel credit cards offer better redemption rates through their travel portals. Always compare point values before redeeming.
4. Take Advantage of Sign-Up Bonuses
   Many business travel cards offer welcome bonuses of 50,000 to 100,000 points after meeting a minimum spend requirement.
5. Utilize Travel Perks
   Don’t forget to use benefits like airport lounge access, statement credits, and travel insurance to maximize value.

Conclusion

Choosing the best business credit card for travel depends on your specific needs and spending habits. If you prioritize luxury travel perks, the Amex Business Platinum is a solid choice. For flexible rewards, the Chase Ink Business Preferred is a great option. If you prefer a simple, no-hassle rewards system, Capital One Spark Miles is worth considering.

By selecting the right card and using it strategically, you can enjoy significant savings, exclusive perks, and a smoother business travel experience. Start earning rewards today and make your next trip even more rewarding!