Best Business Travel Credit Cards
23 live business travel, airline and hotel cards are in our database. They are ranked below by our business score, with each card’s annual fee and current welcome offer.
Ranked by math · Compensation never changes the order · Methodology
Business travel cards split into flexible-points cards (points that move to many airlines and hotels) and co-branded airline or hotel cards (one program, with perks like free bags or annual free nights). If your company flies one airline or stays with one chain, a co-brand can win; if not, flexible points keep your options open. Welcome offers on business cards are often large but come with high spending requirements — read them in full below.
The ranking
Card data checked October 9, 2026 · 23 cards compared
- 1
Venture X Business
Capital One · Visa- Annual fee
- $395
- Business score
- 77
- Est. credits value
- $435/yr
- Unlimited 2X miles
- 5X on hotels/rentals, flights through Capital One Business Travel
Welcome offer: Earn 150,000 Miles once you spend $30,000 in the first 3 months from account opening
- 2
Venture Business
Capital One · Visa- Annual fee
- $95
- Business score
- 76
- Est. credits value
- $100/yr
- 5X miles on travel such as hotels, vacation rentals, and rental cars booked through Capital One Business Travel
- unlimited 2X miles on every purchase for your business.
Welcome offer: Earn 100,000 when you spend $10,000 in the first 3 months
- 3
Business Gold Card
American Express · American Express- Annual fee
- $375
- Business score
- 74
- Est. credits value
- $271/yr
- 4X points on your top 2 eligible categories each month (advertising, electronics/software/cloud, gas, restaurants, transit, wireless), on the first $150,000 in combined purchases per year, then 1X. 3X on flights and prepaid hotels on AmexTravel.com. 1X on everything else.
Welcome offer: AS HIGH AS 200,000 Membership Rewards® Points after you spend $15,000 in purchases on your new Card within the first 3 months of Card Membership. Welcome offers vary and you may not be eligible for an offer.
- 4
United℠ Business Credit Card
Chase · Visa- Annual fee
- $150
- Business score
- 71
- Est. credits value
- $250/yr
- NEW! 8x total miles on eligible United flights - 6x miles on the Primary Cardmember's fare from United as a MileagePlus member, plus 2x miles on entire United purchase with United Business Card
- 2x miles on all other eligible United purchases
- 2x miles at gas stations
Welcome offer: Earn 100,000 bonus miles + 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open. Plus earn 10,000 bonus miles after you add an employee card to your account in the first 3 months your account is open.
- 5
IHG® One Rewards Business Card
Chase · Visa- Annual fee
- $200
- Business score
- 68
- Est. credits value
- $285/yr
- Up to 26X points at IHG Hotels & Resorts - Up to 10X points with this card
- Up to 10X points from IHG® on stays for being an IHG One Rewards Member
- Up to 6X points from IHG® on stays with Platinum Elite Status
Welcome offer: Earn 190,000 bonus points after spending $5,000 in the first 3 months from account opening
- 6
Hilton Honors Business Card
American Express · American Express- Annual fee
- $195
- Business score
- 68
- Est. credits value
- $300/yr
- 12X points at Hilton
- 5X on other purchases (first $100k/year, then 3X)
Welcome offer: Earn 130,000 Hilton Honors Bonus Points after you make purchases with your new Card totaling $6,000 or more in the first 6 months of Card Membership starting from the date your account was opened.
- 7
World of Hyatt Business Credit Card
Chase · Visa- Annual fee
- $199
- Business score
- 68
- Est. credits value
- $100/yr
- Earn 4 Bonus Points per $1 spent on qualifying purchases at Hyatt hotels and resorts
- Plus up to 5 Base Points from Hyatt per eligible $1 spent for being a World of Hyatt member
- 2 Bonus Points per $1 spent in your top three categories each quarter
Welcome offer: Earn 60,000 Bonus Points after you spend $5,000 on purchases within the first 3 months of accounts opening
- 8
Citi / AAdvantage Business World Elite Mastercard
Citi · Mastercard- Annual fee
- $99
- Business score
- 68
- Est. credits value
- $30/yr
- 2 AAdvantage miles per $1 on AA + car rentals/gas/telecom
- 1 mile per $1 all other
Welcome offer: 75,000 AAdvantage miles after $5,000 spend in 5 months
- 9
Business Platinum Card®
American Express · American Express- Annual fee
- $895
- Business score
- 66
- Est. credits value
- $667/yr
- 5X points on Flights & Prepaid Hotels booked through American Express Travel including, Fine Hotels + Resorts® and the Hotel Collection
- 5X Membership Rewards® points on all flights booked on AmexTravel.com
- 2X points on eligible purchases in key business categories, or on single purchases of $5K or more. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. Earn 2X on up to $2 million of these purchases per calendar year
Welcome offer: AS HIGH AS 300,000 Membership Rewards® Points after you spend $20,000 in eligible purchases on your new Card within the first 3 months of Card Membership. Welcome offers vary and you may not be eligible for an offer.
- 10
Ink Business Preferred® Credit Card
Chase · Visa- Annual fee
- $95
- Business score
- 66
- Earn 3 points per $1 on the first $150,000 spent in combined purchases in shipping purchases, advertising purchases made with social media sites and search engines, Internet, cable and phone services, and travel
- 5x points on Lyft rides through September 30, 2027
- 1x point per $1 on all other purchases
Welcome offer: Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months after account opening
- 11
Marriott Bonvoy Business® Credit Card
American Express · American Express- Annual fee
- $125
- Business score
- 65
- Est. credits value
- $185/yr
- 6X points at Marriott
- 4X at U.S. restaurants/gas stations/wireless (up to $15k/year, then 2X)
- 2X all other
Welcome offer: Earn 100,000 Marriott Bonvoy® Bonus Points and 1 Free Night Award after you spend $8,000 in purchases on the Card within the first 6 months of Card Membership. The Free Night Award has a redemption level up to 50,000 points at hotels participating in Marriott Bonvoy®. Resort fees and terms apply. Offer ends 11/4/2026.
- 12
U.S. Bank Business Altitude® Connect Visa Signature® Card
U.S. Bank · Visa- Annual fee
- $95
- Business score
- 64
- Est. credits value
- $25/yr
- 5X points on hotel and car rentals when booked directly in the Travel Center
- 4X points on travel, including airfare, hotels, gas and EV charging stations on the first $150,000 in combined annual spend
- 2X points on dining, takeout, restaurant delivery and cell phone services and 1 point for all other purchases.
Welcome offer: 60,000 bonus points after $6,000 spend in first 180 days
- 13
JetBlue Business Card
Barclays · Mastercard- Annual fee
- $99
- Business score
- 64
- Est. credits value
- $190/yr
- 6X TrueBlue points on JetBlue purchases
- 2X at office supply/restaurants
- 1X all other
Welcome offer: Earn 50,000 bonus points after spending $4,000 on purchases and paying the annual fee in full, both within the first 90 days
- 14
Southwest Rapid Rewards® Premier Business Credit Card
Chase · Visa- Annual fee
- $149
- Business score
- 62
- Est. credits value
- $150/yr
- 3 points per $1 spent on Southwest Airlines® purchases
- 2 points for every $1 you spend at gas stations and restaurants on the first $8,000 in combined purchases per anniversary year
- 1 point per $1 spent on all other purchases
Welcome offer: Earn 80,000 points after you spend $3,000 on purchases in the first 3 months from account opening
- 15
Southwest Rapid Rewards® Performance Business Credit Card
Chase · Visa- Annual fee
- $299
- Business score
- 60
- Est. credits value
- $117/yr
- 4X points for every $1 you spend on Southwest Airlines® purchases
- 2X points for every $1 you spend at gas stations and restaurants
- 2X points for every $1 you spend on hotel accommodations booked directly with the hotel
Welcome offer: Earn 80,000 bonus points after you spend $5,000 in the first 3 months from account opening
- 16
United ClubSM Business Card
Chase · Visa- Annual fee
- $695
- Business score
- 59
- Est. credits value
- $332/yr
- 7x total miles on United flights - 5x miles on fare from United as a MileagePlus member, plus 2x miles on entire United purchase with the United Club Business Card
- 2x miles on all other eligible United purchases
- 5x miles on hotel stays when you prepay directly through Renowned Hotels and Resorts for United® Cardmembers
Welcome offer: Earn 100,000 bonus miles + 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open +10,000 bonus miles when you add an employee card in the first 3 months your account is open
- 17
Atmos™ Rewards Visa Signature® Business Card
Bank of America · Visa- Annual fee
- $70
- Business score
- 59
- 3 points per $1 spent on Alaska Airlines and Hawaiian Airlines
- 2 points on gas/EV/shipping/transit
- 1 point on all other purchases
Welcome offer: Get 70,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after you make $4,000 or more in purchases within the first 90 days of opening your account.
- 18
Delta SkyMiles® Platinum Business Card
American Express · American Express- Annual fee
- $350
- Business score
- 57
- Est. credits value
- $370/yr
- 3X miles per every eligible dollar spent on purchases made directly with Delta and hotels
- 1.5X miles on transit, including taxis and rideshares, eligible U.S. shipping purchases and 1X mile on other purchases on single eligible purchases of $5K or more, up to $100K of combined eligible purchases per year.
Welcome offer: Limited Time Offer: Earn 100,000 Bonus Miles after spending $8,000 in purchases on your new Card in your first 6 months of Card Membership. Offer ends 11/4/26.
- 19
Delta SkyMiles® Gold Business Card
American Express · American Express- Annual fee
- $150
- Business score
- 56
- Est. credits value
- $210/yr
- 2X miles on Delta/restaurants/shipping/advertising (up to $50k category cap)
- 1X all other
Welcome offer: Limited Time Offer: Earn 90,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership. Offer ends 11/4/26.
- 20
Delta SkyMiles® Reserve Card
American Express · American Express- Annual fee
- $650
- Business score
- 55
- Est. credits value
- $455/yr
- 2X miles on Delta purchases + shipping/office supplies
- 1.5X on purchases over $5k
- 1X all other (after $150k spend: 1.5X all purchases rest of year)
Welcome offer: Limited Time Offer: Earn 200,000 Bonus Miles after spending $20,000 in purchases on your new Card in your first 6 months of Card Membership. Offer ends 11/4/26.
- 21
Wyndham Rewards Earner® Business Card
Barclays · Mastercard- Annual fee
- $149
- Business score
- 54
- Est. credits value
- $130/yr
- 8x points per $1 spent on eligible purchases made at Hotels by Wyndham including Wyndham Travel Bundles
- 5 points per $1 spent on eligible Vacation Club, gas, EV charging, marketing, advertising, office supply store and shipping purchases
- 1 point per $1 spent on all other purchases (excluding Vacation Club down payments).
Welcome offer: LIMITED-TIME OFFER: Earn up to 100,000 bonus points - Earn 45,000 bonus points after spending $3,000 on qualifying purchases in the first 90 days and also earn 55,000 bonus points after spending $500 at Hotels by Wyndham in the first 180 days.
- 22
Business Green Rewards Card
American Express · American Express- Annual fee
- $95
- Business score
- 53
- 2X points on prepaid flights and hotels booked on AmexTravel.com or the Amex Travel App
- 1X points on other eligible purchases
Welcome offer: Earn 25,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 23
Bank of America Business Advantage Travel Rewards World Mastercard
Bank of America · Mastercard- Annual fee
- $0
- Business score
- 51
- 1.5 points per $1 on all purchases (3x when booking through BofA Travel Center)
Welcome offer: 50,000 points after $5,000 spend in 90 days
How this page is built
Every live card our database tags as a business travel, business airline or business hotel card. Sorted by our business score (business_score_final), the same score the business Top-3 box uses; ties go to the overall score. Partner (affiliate) links never change which cards appear or their order; an Apply button may become a labelled partner link, but the ranking is the same either way.
Card details come from our database, which is verified against each issuer’s own website; see our methodology, editorial policy and corrections policy.
Questions, answered from the data
Which business travel card ranks highest right now?
Venture X Business (Capital One) has the highest business score among the 23 business travel cards we compared, followed by Venture Business and Business Gold Card.
What do business travel cards cost per year?
Annual fees for the 23 business travel cards here run from $0 to $895.
Which of these cards come with the most credits?
By our estimate of each card’s yearly credits: Business Platinum Card® (about $667), Delta SkyMiles® Reserve Card (about $455) and Venture X Business (about $435). Credits only count if you would have spent the money anyway.
Is there a business travel card with no annual fee?
Yes: Bank of America Business Advantage Travel Rewards World Mastercard.
How often is this list updated?
The site rebuilds whenever card data changes in our database and at least once a month. This page was built from data checked October 9, 2026. Always confirm current terms on the issuer’s site.