Are you often on the move for work and looking for the perfect credit card? The best business travel credit card can offer amazing perks, rewards, and benefits to level up your trip. Yet, picking just one can be tough with all the choices out there.
This guide will help you find the top business travel credit cards in 2024. We’ll cover everything from travel points and top-notch perks to cash back rewards. Find out which card can open up new opportunities for your business trips.
Key Takeaways:
- Choosing the right business travel credit card can enhance your corporate trips and provide exclusive benefits.
- The Capital One Venture X Business Credit Card offers travel points, statement credits, and no foreign transaction fees.
- The Ink Business Unlimited Credit Card is a great option for small business owners, with no annual fee and cash back rewards.
- The JPMorgan Chase Sapphire Reserve is a premium travel card with airport lounge access and luxury travel perks.
- The Platinum Card from American Express offers premium travel perks, including airport lounge access and travel statement credits.
- The IHG One Rewards Premier Business Credit Card provides hotel rewards and free hotel nights at IHG hotels.
Capital One Venture X Business Credit Card
The Capital One Venture X Business Credit Card is a top choice for earning travel rewards. It lets you collect points on everything you buy. You can use these points for flights or stays at hotels. This card has benefits designed for business travelers.
This credit card has an excellent rewards program. You get points for every single purchase. These add up quickly so you can spend them on travel. You choose how to use your points, offering you flexibility.
The card also has statement credits. This means you can lower your travel costs by using your points. This is especially good for business travelers who want to save money and get the most rewards.
There are no fees for transactions in other countries. This is perfect for international business travels. You don’t have to worry about extra charges reducing your rewards or cash back.
Plus, it includes vital travel protections. These give you peace of mind while on business trips. You’re covered for things like trip cancellation and delayed luggage. The Capital One Venture X Business Credit Card has you covered in several travel situations.
With its travel rewards, statement credits, no foreign transaction fees, and travel protections, the Capital One Venture X Business Credit Card is a great pick for business travelers. By using this card, you can not only earn valuable rewards for your purchases but also enjoy essential perks and protections that enhance your overall travel experience.
Why Choose the Capital One Venture X Business Credit Card?
There are many reasons to pick the Capital One Venture X Business Credit Card for business travel. It offers:
- Generous travel points on all purchases
- Flexible redemption options for flights and hotel stays
- Statement credits to offset travel expenses
- No foreign transaction fees
- Travel protections for peace of mind
This card has a great rewards program and lots of travel benefits. It focuses on what business travelers need. That makes the Capital One Venture X Business Credit Card a top option for business owners and professionals. They can maximize their travel rewards and have a smoother travel experience.
Ink Business Unlimited® Credit Card
The Ink Business Unlimited Credit Card is perfect for small business owners. It offers cash back rewards and travel benefits. This card is designed to help your business grow.
The card has no annual fee. This makes it a budget-friendly choice for small businesses. You get to enjoy its perks without worrying about extra costs.
With this card, you earn cash back on all purchases. It’s a great way to make the most out of your business spending. You can use these rewards to reduce your statement balance or reinvest in your business.
For businesses that require travel, this card offers valuable travel benefits. You get travel insurance and trip cancellation coverage. These features provide comfort and security while traveling.
This card also has a 0% introductory APR offer. It allows you some time to manage your finances without interest. This can be a big help for new businesses looking to establish themselves.
Besides, issuing employee cards is an option. This helps with managing expenses and keeping an eye on business spending. It simplifies expense tracking and helps in budgeting.
Benefits of the Ink Business Unlimited® Credit Card:
- No annual fee
- Cash back rewards on all purchases
- Travel benefits, including travel insurance
- 0% introductory APR
- Employee cards for easy expense management
JPMorgan Chase Sapphire Reserve®
The JPMorgan Chase Sapphire Reserve is a top-notch travel card. It shines for business travelers who love luxury. You get to enjoy travel rewards, airport lounge access, and special perks. These perks make your business trips amazing.
Travel Rewards
Earn amazing travel rewards with the JPMorgan Chase Sapphire Reserve. Spend on flights, hotels, or rental cars and pile up points. These points can be used for more trips or transferred to partners.
Get extra points for dining and certain travel costs. These bonuses let you gather points faster. They bring closer your dream vacations.
Airport Lounge Access
As a cardholder, enjoy entry to over 1,200 airport lounges worldwide. It comes with the Priority Pass™ Select membership. You can escape the busy airport life. Enjoy free Wi-Fi, snacks, and space to work.
Travel Credits
There are travel credits that cut your costs. Get $300 back each year on travel buys like flights and hotel stays.
Also, up to $100 back for Global Entry or TSA Pre✓® fees. It makes clearing security easier and less stressful.
Travel Insurance
Traveling for business? You’ll want solid insurance. The JPMorgan Chase Sapphire Reserve covers you well. It includes insurance for trip issues, lost bags, and health emergencies.
Luxury Travel Perks
This card doesn’t just stop with travel basics. It also offers lovely luxury benefits. Enjoy room upgrades, late check-outs, and free breakfasts at hotels. Get access to special events too.
If you travel a lot for work or simply enjoy luxury, this card provides great value. It ensures you have memorable trips.
| Key Features | Details |
|---|---|
| Annual Fee | $550 |
| Earn Rate | 3X points on travel and dining, 1X point on all other purchases |
| Bonus Points | 60,000 bonus points after spending $4,000 on purchases in the first 3 months |
| Airport Lounge Access | Priority Pass Select membership |
| Travel Credits | $300 annual travel credit, up to $100 in statement credits for Global Entry or TSA Pre✓® application fees |
| Travel Insurance | Trip cancellation and interruption insurance, baggage delay and lost luggage insurance, emergency medical and dental coverage |
| Luxury Travel Perks | Hotel privileges, access to unique experiences and events |
The Platinum Card® from American Express
The Platinum Card from American Express is a top choice for businesses. It offers premium travel benefits that make trips better. It’s great for anyone who travels often or seeks exclusive perks.
This card gives you access to over 1,200 airport lounges worldwide. Before your flight, relax in a lounge, enjoy free food and drinks, and use showers and workspaces.
It also gives you credits to cover travel costs. This includes things like airline fees and baggage charges. These statement credits help you save money while you’re traveling.
With this card, you get special status at certain hotels. Benefits include room upgrades, late check-outs, and free breakfast at these hotels.
Travel insurance is key, and The Platinum Card delivers. It covers trip cancellations, lost bags, and car rental issues. Travel with peace of mind knowing you’re protected.
The Platinum Card from American Express is packed with travel benefits. Enjoy lounge access, travel credits, and elite hotel program status. This card ensures your travels are luxurious and smooth.
| Key Benefits | Details |
|---|---|
| Airport Lounge Access | Complimentary access to over 1,200 airport lounges worldwide |
| Travel Statement Credits | Offset your travel expenses with statement credits for eligible purchases |
| Elite Status with Hotel Loyalty Programs | Enjoy room upgrades, late check-out, and complimentary breakfast at participating hotels |
| Travel Insurance | Comprehensive coverage for trip cancellation, baggage insurance, and car rental loss and damage insurance |
IHG One Rewards Premier Business Credit Card
If you often travel for work and stay at IHG hotels, the IHG One Rewards Premier Business Credit Card is great for you. It’s made for business journeys, offering benefits that make traveling better and cheaper.
This card lets you gather points on all purchases. These include flights, hotel stays, and daily business costs. Then, you can exchange these points for free hotel nights at any IHG hotel, helping cut down business travel expenses.
The card stands out because of its hotel loyalty program. It offers more rewards and special perks to cardholders. You’ll get faster points earning, elite status upgrades, and priority check-in and check-out at IHG hotels.
Moreover, the card comes with travel insurance, free internet access, and discounts at IHG hotels. These benefits improve your business travel experiences.
For anyone traveling often or just now and then, this credit card helps you get more from your trips. By earning free hotel nights, enjoying unique perks, and saving on trips, it’s very useful. Consider applying to start enjoying these business travel advantages.
| Card | Hotel Rewards | Travel Rewards | Annual Fee | Foreign Transaction Fees |
|---|---|---|---|---|
| IHG One Rewards Premier Business Credit Card | Yes | Yes | $99 | No |
| Capital One Venture X Business Credit Card | No | Yes | $395 | No |
| Ink Business Unlimited® Credit Card | No | Yes | No | Yes |
| JPMorgan Chase Sapphire Reserve® | No | Yes | $550 | No |
| The Platinum Card® from American Express | No | Yes | $695 | No |
Please note: The above table provides a comparison of the IHG One Rewards Premier Business Credit Card with other business travel credit cards. It’s key to closely look at each card’s details before choosing.
With the IHG One Rewards Premier Business Credit Card, earning points is easy. Use them for free hotel nights at IHG hotels worldwide. Make the most of this card to boost your business travel rewards and experience.
Best for Travel Rewards: Ink Business Preferred® Credit Card
The Ink Business Preferred Credit Card is perfect for business owners who love to travel. You can earn points on certain purchases and use them for trips. You can book travel through the Chase Travel portal. Or, transfer points to airline and hotel partners. The card comes with travel insurance and a rewards program that’s easy to use.
Earning Bonus Points
With the Ink Business Preferred Credit Card, earning points on business spending is simple. Spend on travel, shipping, internet, cable, and phone services to earn **3X points**. You also get points for ads on social media and search engines. There’s a limit of $150,000 in combined purchases each year. It’s great for those who travel a lot or spend on advertising.
Redeeming Points
It’s easy to use your points in the best way for you. Book travel through the **Chase Travel portal**. Or, transfer points to partners like Southwest Airlines and World of Hyatt. This freedom lets you choose how to use your points for travel.
Travel Insurance and Benefits
The Ink Business Preferred Credit Card also provides helpful travel insurance and benefits. Enjoy **trip cancellation/interruption insurance** and **primary rental car insurance**. You also get **purchase protection**. These benefits offer extra security and value during business trips.
Additionally, this card has a **flexible rewards program**. Save points for when you need them or use them for upcoming travel. This flexibility helps business owners with changing travel plans. Or for those saving for a big trip.
| Card Benefits | Details |
|---|---|
| Bonus points | 3X points on travel, shipping purchases, internet, cable, and phone services, advertising purchases made with social media sites and search engines (up to $150,000 in combined purchases each account anniversary year) |
| Redemption options | Travel through Chase portal or transfer to airline and hotel partners |
| Travel insurance | Trip cancellation/interruption insurance, primary rental car insurance |
| Flexible rewards program | Accumulate points and use them at your convenience |
Best for No Annual Fee: The Blue Business® Plus Credit Card from American Express
Business owners who want to dodge an annual fee should consider The Blue Business Plus Credit Card from American Express. This card offers a smart way to handle business costs. Plus, you get to enjoy a rewards program for no extra charge.
Every purchase earns you Membership Rewards points, whether it’s for office needs, travel, or dining with clients. You can turn these points into travel perks, gift cards, or products. It’s a cool way to make every dollar work harder.
The rewards program is super simple. There aren’t any tricky rules or special categories to remember. This keeps things easy so you can focus on expanding your business.
It’s also great for world travelers with no foreign transaction fees. So, you can travel for work, meeting clients or attending conferences, without extra costs. Using your card overseas won’t bring any nasty surprises on the bill.
The Blue Business Plus Credit Card from American Express is all about giving you great value without yearly fees. It lets you rack up points on all buys. The rewards plan is straightforward and there’s no cost for using it abroad. It’s an awesome choice for businesses looking to save and gain rewards.
| Card Features | The Blue Business Plus Credit Card from American Express |
|---|---|
| No Annual Fee | ✓ |
| Membership Rewards Points on All Purchases | ✓ |
| Straightforward Rewards Program | ✓ |
| No Foreign Transaction Fees | ✓ |
Best for Flexible Spending Categories: The American Express® Business Gold Card
The American Express Business Gold Card is great for companies with changing spending needs. It gives bonus points in the two areas you spend the most each cycle. This way, you always get the most rewards for your current expenses.
This card lets you earn more points in important business areas. You can get bonus points for spending on advertising, gas, shipping, and technology. This helps your business earn extra rewards where it matters most.
The American Express Business Gold Card also has other great perks. You get bonus points on eligible buys, which can turn into travel, goods, or gift card rewards. When you use points for flights, you receive a 25% bonus.
Besides, this card offers travel insurance. This covers lost bags, delays, and accidents, adding security to business trips. It also has no fees on foreign transactions. This makes it perfect for companies that travel internationally.
While there is an annual fee, the benefits can outweigh this cost for many businesses. This is especially true for firms that often spend in the bonus areas. The card also provides flexible payment methods, allowing for balance carrying when necessary.
In summary, the American Express Business Gold Card is a great choice for variable spending businesses. Its flexibility, bonus system, airline bonus, travel insurance, and no foreign fee features make it ideal for maximizing rewards and improving business travel.
Conclusion
Choosing the right business travel credit card is key. You have to look at rewards, fees, and benefits to make a good choice. It’s all about finding what fits your travel needs best.
The Capital One Venture X Business Credit Card is a great choice. It gives you points, credits, and has no fees on foreign transactions.
For small business owners, the Ink Business Unlimited® Credit Card stands out. It has no annual fee and offers cash back and travel perks.
For a high-end option, consider the JPMorgan Chase Sapphire Reserve® or The Platinum Card® from American Express. They offer amazing rewards, lounge access, credits, and travel insurance.
Take time to weigh each card’s features and benefits. This way, you’ll find the ideal one for your business trips.
