Best Business Travel Credit Cards 2025
Karl says, “For business travel, you need a card that maximizes rewards and keeps you comfortable on the go. My top pick is The Business Platinum Card® from American Express, offering premium lounge access, elite hotel and car rental perks, and valuable business credits to offset expenses. The Capital One Venture X Business provides unlimited rewards and airport lounge access, while the Ink Business Preferred® Credit Card is perfect for earning big on essential business spending and maximizing travel redemptions.”
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Key offer
– Extensive Business Credits and Savings:
The card offers substantial annual business credits, including $400 for Dell purchases, $360 for Indeed hiring services, $150 for Adobe software, and $120 toward wireless bills—significantly offsetting operating expenses and enhancing your business efficiency.
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– Exceptional Travel Benefits for Business Travelers:
Access over 1,400 airport lounges worldwide through the American Express Global Lounge Collection, and enjoy premium statuses with hotel and car rental partners like Hilton, Marriott, Hertz, and National—ideal for professionals seeking convenience, comfort, and prestige during business travel.
– Another major benefit, is the ability to add up to 99 employee cards at no extra cost, allowing your team to take advantage of premium benefits, streamline expense management, and maximize rewards collectively. This feature simplifies company spending oversight and enhances overall operational efficiency.
Welcome offer
Earn 150,000 Membership Rewards® points after spending $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
Annual fee
$695
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Card Rewards
- • 5X points on flights and prepaid hotels booked through AmexTravel.com
• 1.5X points on card swipes totaling $5,000 or more, and at select US retailers (US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers). Up to $2 million of eligible purchases per calendar year per account.
• 1X point on all other eligible purchases.
Premium Benefits
– Earn substantial business credits, including $400 Dell credit, $360 Indeed credit, $150 Adobe credit, and $120 wireless bill credit annually.
– Complimentary access to over 1,400 premium airport lounges worldwide.
– Add up to 99 employee cards at no additional fee, extending benefits and simplifying expense management.
– Receive automatic elite status with Hilton, Marriott, Hertz, Avis, and National for premium travel experiences.
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– Annual $200 airline incidental fee credit for your chosen airline.
– 35% points back on eligible flights booked with points through AmexTravel.com.
– CLEAR Plus annual membership credit ($199 value) for faster airport security.
– $120 Global Entry or TSA PreCheck credit every four years. (every employee card can also get this credit)
– Cellphone protection coverage up to $800 per claim (two claims annually).
– Comprehensive travel protections, including trip interruption insurance, car rental coverage, and baggage insurance.
– Extended warranty coverage adding one extra year beyond the original manufacturer’s warranty (up to $10,000 per item).
– Purchase protection covering damaged or stolen items within 90 days, up to $10,000 per claim.
– Return protection, providing refunds for eligible items that merchants refuse to accept back.
Foreign Transaction
- None
Key offer
– High Rewards for Business Travel and Expenses:
Earn unlimited 2X miles on all other business purchases, allowing you to quickly build up valuable rewards from essential business spending.
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– Offset your annual fee with credits:
Offset your annual fee with the $300 capital one travel credit and 10,000 points annually.
– Airport Lounge Access and Premium Travel Comfort:
Complimentary unlimited lounge access for you and two guests at over 1,300 Priority Pass, Capital One, and Plaza Premium lounges, providing comfort and productivity during business trips.
Welcome offer
Earn 150,000 Miles once you spend $30,000 in the first 3 months from account opening
Annual fee
$395
Card Rewards
• 10X miles for each dollar spent on Capital One Travel hotel and rental car bookings.
• 5X miles for each dollar spent on Capital One Travel flight bookings, and vacation rentals.
• 2X miles for each dollar spent on all other purchases.
Premium Benefits
– Earn 10X miles per dollar on hotels and rental cars, and 5X miles on flights and vacation rentals booked through Capital One Travel.
– Receive an annual $300 travel credit for flights, hotels, and car rentals booked via Capital One Travel.
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– Enjoy unlimited airport lounge access for you and two guests at over 1,300 lounges globally (Priority Pass, Plaza Premium, and Capital One Lounges).
– Get complimentary Hertz President’s Circle Status for upgraded car rentals and expedited service.
– Receive cellphone protection of up to $800 per claim (two claims annually) for theft or damage.
– Get up to $120 statement credit every four years for Global Entry or TSA PreCheck.
– Comprehensive travel insurance covering trip cancellation/interruption (up to $2,000 per trip), baggage delay ($100/day for 3 days), and lost luggage reimbursement.
– Extended warranty adds one extra year to eligible manufacturer warranties; purchase protection covers theft or damage for 90 days after purchase.
– Receive 10,000 bonus miles (worth $100 toward travel) annually, beginning with your first card anniversary.
Foreign Transaction
None
Key offer
– Powerful Business Rewards on Essential Expenses:
Earn 3X points in valuable business spending categories—such as internet, cable, phone services, shipping, travel, and online advertising—on up to $150,000 annually, quickly accelerating your rewards potential.
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– Increased Redemption Value and Flexibility:
Points earned on your Ink Business Preferred card are worth 25% more when redeemed through Chase Travel, significantly boosting the value of your business travel budget. You can also transfer points to Chase’s premium airline and hotel partners, maximizing your redemption flexibility for business trips.
Welcome offer
Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Annual fee
$95
The Ink Business Preferred offers exceptional value for business travelers who want strong rewards and protections without a premium annual fee. It’s particularly valuable for its cell phone protection and flexible Ultimate Rewards points.
Card Rewards
- Earn 3X Ultimate Rewards points per $1 on up to $150,000 in combined purchases.
• Eligible categories: internet, cable, and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites.
• Earn 1X point per $1 on all other purchases.
Premium Benefits
– 3X Ultimate Rewards points on select business categories (internet, cable, phone services, shipping, travel, and online ads).
– Points worth 25% more for travel bookings through Chase Travel.
– Worldwide primary car rental insurance for business-related rentals.
– Trip cancellation/interruption insurance up to $5,000 per person and $10,000 per trip.
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– Trip delay reimbursement up to $500 for delays of 12+ hours.
– Lost luggage reimbursement up to $3,000 per traveler.
– Cell phone protection covering up to $1,000 per claim (maximum of three claims per year).
– Purchase protection coverage of up to $10,000 per claim for items damaged or stolen within 120 days.
– Extended warranty coverage extending manufacturer warranties by one additional year.
– Add unlimited employee cards at no additional cost, extending benefits and simplifying expense management.
Foreign Transaction
$0
Business Travel Card Comparison
| Feature | Amex Business Platinum | Chase Ink Preferred | Capital One Spark Miles | Capital One Venture Business X |
|---|---|---|---|---|
| Annual Fee | $695 | $95 | $95 | |
| Key Travel Rewards | 5X on flights/hotels via Amex | 3X on travel | 2X miles on everything | |
| Lounge Access | Comprehensive | None | None | |
| Travel Credits | $200 airline + more | None | Global Entry credit | |
| Expense Management | Advanced | Basic | Advanced |
Pro Tips for Business Travelers
Before Your Trip
- Use virtual card numbers for recurring payments
- Set up automatic receipt matching
- Leverage QuickBooks/accounting software integration
- Create employee spending guidelines and alerts
- Book flights through Amex Travel for 5X points
- Use hotel collection benefits for premium perks
- Transfer points strategically to airline partners
- Stack rewards with hotel/airline loyalty programs
- Book flights with Amex Platinum for trip delay coverage
- Use Chase Ink for primary rental car insurance
- Register for included travel insurance benefits
- Document expenses for easy claim filing