Best Business Cards for Travel

In this article, we’ll break down the best credit cards for business travel, going through their main features and outlining their pros and cons. At the end, we’ll provide a guide to help you understand the key features to focus on when choosing the best business credit card for travel rewards.

Top Travel Business Credit Cards for 2023

Here’s a quick overview of the best business credit cards for travelers:

Without further ado, here’s a detailed overview of the best business credit cards for travelers.

Alaska Airlines Visa® Business Credit Card

If you’re a frequent flyer with Alaska Airlines, one of its co-branded airline cards, the Alaska Airlines Visa® Business Credit Card, offers significant value.

Compared to other business credit cards, the standout perk of the Alaska Airlines Visa® Business credit card is its companion fare.

The Alaska Airlines companion fare enables the primary cardholder to purchase one round-trip coach companion fare on Alaska Airlines flights for a price of only $122. This price includes a $99 base fare plus $23 worth of taxes and fees (subject to your flight itinerary). The companion fare is valid for one calendar year and unlike the Southwest Companion Pass, has one-time use only.

With Alaska Airlines’ business card, you’re entitled to earn two companion passes—one as part of a welcome bonus and another as an annual account anniversary reward.

The current welcome bonus enables you to redeem thousands of miles in addition to a companion pass fare, after charging $3,000 worth of purchases to your card within the first three months of opening your account. You then have a second opportunity to earn another companion fare, after charging a total of $6,000 to your card within the prior anniversary year. The latter is a recurring annual offer that enables you to receive one companion fare per year.

Given that the companion fare charges a flat fee, you can maximize its value by redeeming it on international flights during peak times.

The second major benefit of the card is its redemption opportunities. As a Oneworld alliance member with additional partner airlines, you can redeem Alaska Airlines Mileage Plan miles on up to 28 airlines, maximizing your redemption options when traveling internationally. You can get the best value out of your miles when redeeming them on transfer partner flights.

Pros

• Earn 20% back on Alaska Airlines in-flight purchases (when paid for with your card).
• Get $100 off an annual Alaska Lounge+ Membership (when paid for with your card).
• Free checked bag for all cardholders and up to six guests on the same reservation, saving you $60 per person for a roundtrip (when paid for with your card)
• Priority boarding for all cardholders (when paid for with your card)
• Reasonable annual fee of $70 for the business
• Receive a 10% rewards bonus on miles earned from card purchases when your business has an eligible Bank of America® small business account.
• Includes travel accident insurance, auto rental insurance, emergency ticket replacement, lost-luggage assistance and legal and medical referrals abroad
• No foreign transaction fees

Cons

• Bonus category spending rates are modest, making it less than ideal for businesses wanting to earn on spending (3X miles on eligible Alaska Airlines purchases; 2X miles on eligible gas and EV charging stations, shipping and local transit (including rideshare) purchases; 1X miles on all other purchases).
• Bonus spending categories are narrow.
• Employee cards cost $25.

American Express® Business Gold Card

As business cards for travel go, the American Express® Business Gold Card offers higher category bonus spending rates that are based on your individual spending habits.

Using the card, you’ll earn 4X points on your top two spending categories each billing cycle on up to $150,000 per year in combined purchases (1X point thereafter). Eligible spending categories include the following:

• Purchases made at United States media providers for advertising in select media (online, TV, radio)
• Purchases made at U.S. electronic goods retailers and software and cloud system providers
• Purchases made at U.S. restaurants, including takeout and delivery
• Purchases at U.S. gas stations
• Transit purchases such as trains, taxicabs, rideshare services, ferries, tolls, parking, buses and subways
• Monthly wireless telephone service charges purchased directly from a U.S. wireless telephone service provider

This makes the card highly adaptable to your individual business expenditure. You’ll also earn 3X points on flights and prepaid hotels booked via AmexTravel.com, covering you for business travel.

The card comes with an annual fee of $375, plus a fee of $50 for the first Employee Business Gold card. After that, you can issue up to 99 additional employee cards free of charge.

Pros

• Earn 4X points on your top two spending categories each billing cycle on up to $150,000 per year in combined purchases (1X point thereafter).
• Earn 3X points on flights and prepaid hotels booked through AmexTravel.com.
• Earn 1X point on all other purchases.
• Issue up to 99 employee cards for free (first one costs $50).
• $240 flexible statement credit for key business purchases (at FedEx, Grubhub and Office Supply stores)
• $155 Walmart+ credit (issued in monthly increments of $12.95)
• $100 experience credit at The Hotel Collection, plus certain benefits such as room upgrades upon check-in when available
• No foreign transaction fees
• Range of insurances, including trip delay and baggage loss*

Cons

• Earning capped at $150,000 in key bonus spending categories.
• No lounge access benefits

Capital One Spark Miles for Business Card

The Capital One Spark Miles for Business Card offers a range of business-related perks for a relatively low annual fee of $95, which is waived in the first year.

It earns a flat rate of 2X miles on every purchase for your business, as well as 5X on hotels and rental cars when booked through Capital One Travel. This makes it perfect for earning miles on non-standard bonus category business spending.

You’ll also get a $100 statement credit for Global Entry or $78 for TSA PreCheck, as well as two annual complimentary visits to Capital One Lounges.

And when it comes to issuing employee cards, you won’t have to pay any extra fees.

Capital One miles can be transferred to 18 different airline and hotel partners.

Pros

• $100 statement credit for Global Entry or $78 for TSA PreCheck
• Two annual complimentary visits to Capital One Lounges
• No foreign transaction fees
• 2X miles on all purchases
• 5X on hotels and rental cars when booked through Capital One Travel
• $95 annual fee which is waived in the first year
• Extended warranty protection

Cons

• Very high minimum spend threshold for welcome bonus (typically around $30,000)
• No trip cancellation/interruption insurance

Capital One Venture X Business Card

If you want access to premium travel perks without such a hefty annual fee, the Capital One Venture X Business Card may be the option for you.

With an annual fee of $395, and no additional employee card fees, the perks of this card easily offset the fees.

The card has a strong base rate of 2X miles on every purchase, in addition to 5X miles on flights and 10X miles on hotel and rental cars when booked through Capital One Travel.

The card also comes with a $300 annual statement credit for travel purchases made through Capital One Travel—reducing the cost of business travel—as well as an annual account anniversary bonus of 10,000 miles.

You’ll also get a statement credit of $100 for Global Entry membership or $78 for TSA PreCheck to save you time when traveling through airports, as well as complimentary Priority Pass and Capital One Lounge membership—the former of which has an equivalent value of $469.

Pros

• $300 annual travel statement credit
• $100 statement credit for Global Entry or $78 for TSA PreCheck
• Complimentary Priority Pass membership and Capital One Lounge access
• 2X miles on every purchase
• 5X miles on flights and 10X miles on hotel and rental cars booked through Capital One Travel
• Free employee cards
• No foreign transaction fees
• Extended warranty protection
• $100 experience credit at Premier Collection hotels

Cons

• Very high minimum spend threshold for welcome bonus (typically around $30,000)
• No trip cancellation/interruption insurance
• $300 annual travel statement credit only available for purchases made through Capital One Travel

IHG One Rewards Premier Business Credit Card

If you want a business credit card for travel that rewards stays at IHG® Hotels and Resorts, the IHG One Rewards Premier Business Credit Card is the go-to choice.

It earns 26X points at IHG Hotels and Resorts, 5X points on travel, dining, gas stations and select business purchases and 3X points on all other purchases. The card therefore not only rewards spending at IHG properties but also expands to a diverse range of bonus categories, from travel to gas.

The card comes with an anniversary free night award (40,000 point redemption cap), as well as the ability to earn a fourth night free of charge when redeeming points for a consecutive three-night stay.

It also comes with IHG Platinum Elite Status, in addition to a statement credit toward Global Entry ($100) or TSA PreCheck ($78)—solid business travel benefits.

The card has a reasonable annual fee of $99, which is quickly offset by its perks, and charges no additional fees for employee cards.

Pros

• Earn 26X points at IHG® Hotels and Resorts.
• Earn 5X points on travel, dining, gas stations and select business purchases.
• Earn 3X points on all other purchases.
• Anniversary free night reward
• Earn a fourth night free on a consecutive three-night booking.
• TSA PreCheck and Global Entry statement credit fee reimbursement
• Purchase protection and trip cancellation/interruption insurance included
• No foreign transaction fees
• Complimentary IHG Platinum Elite Status
• Receive a $100 statement credit plus 10,000 bonus points each calendar year.
• Low annual fee of $99 with employee cards for free

Cons

• No lounge access
• IHG points have a low value (less than one cent), especially when transferred to transfer partners for redemption.

Ink Business Preferred® Credit Card

The Ink Business Preferred® Credit Card from Chase offers a lucrative welcome bonus in addition to strong bonus category earning rates, all for an annual fee of $95.

You’ll earn 3X points on the first $150,000 in combined purchases for the following spend categories:

• Shipping purchases
• Advertising purchases (made via social media sites and search engines)
• Internet, cable and phone services
• Travel

After you’ve reached the annual spending cap of $150,000, you’ll earn 1X points on any remaining purchases for the rest of the account anniversary year.

The Ink Business Preferred offers a welcome bonus typically in the range of 100,000 points, after spending $8,000 within the first three months of having opened an account. These 100,000 points have an equivalent value of $1,000, which you can increase to $1,250 when redeemed for travel purchased via the Chase Ultimate Rewards portal.

You can also take advantage of Chase’s transfer partners for 1:1 redemptions with a range of airline and hotel loyalty schemes.

On top of this, it’s free to issue employee cards, enabling employee spending to earn you the welcome bonus and additional points even faster.

Pros

• Diverse range of bonus spending categories, suited to business-related expenditure
• 3X points on the first $150,000 in combined purchases for shipping, advertising (made via social media sites and search engines), internet, cable and phone services and travel purchases
• No foreign transaction fees
• 1:1 point transfer with 11 airline and three hotel loyalty schemes
• Auto rental collision damage waiver, trip cancellation/interruption coverage, purchase protection, cell phone protection, extended warranty protection and roadside dispatch coverage

Cons

• No complimentary lounge access

Ink Business Unlimited® Credit Card

While the Ink Business Unlimited® Credit Card may not be as flashy in perks as other business travel credit cards, it serves one beneficial purpose: offsetting the cost of purchases that fall outside standard bonus categories.

The Ink Business Unlimited earns a simple 1.5% cash back on all purchases, without any annual fees or additional fees for employee cards. This makes it an excellent card to have in your wallet for those purchases that fall outside other bonus categories.

It also comes with a range of insurances, including travel, emergency assistance services and purchase protection.

You can choose to either earn cash back or Ultimate Rewards on the Ink Business Unlimited. If you simply want to offset upfront costs, you could opt for cash back. However, suppose you have other Chase cards in your wallet, such as the Chase Sapphire Reserve® or Chase Sapphire Preferred®. In that case, you can transfer the Ultimate Rewards earned on your Ink Business Unlimited card to your Sapphire account for a 1.25% to 1.5% higher redemption value.

Pros

• Unlimited flat rate of 1.5% cash back or 1.5X points on all purchases
• $0 annual fee and no extra fees for employee cards
• Ability to transfer Ultimate Rewards to Sapphire account for increased redemption value

Cons

• Foreign transaction fee of 3%
• Limited in the way of additional cardmember perks and other bonus category spending rates

Marriott Bonvoy Business® American Express® Card

For loyal Marriott Bonvoy customers, the Marriott Bonvoy Business® American Express® Card offers great value for spending and redemption.

You’ll earn 6X points on eligible purchases at hotels participating in the Marriott Bonvoy program, 4X points at restaurants worldwide, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping, and 2X points on all other purchases.

You’ll receive a 7% discount off standard rates for reservations of standard guest rooms at hotels participating in the Marriott Bonvoy program (excluding Premium rooms). Additionally, every anniversary year, you’ll receive a free night award and you have the ability to earn a second free night if you spend $60,000 within a calendar year. Awards can be used for a redemption level at or under 35,000 Marriott Bonvoy points at more than 7,000 hotels.

The card also confers complimentary Marriott Bonvoy Gold Elite Status.

For an annual fee of $125, with employee cards free of charge, the Marriott Bonvoy Business credit card is of significant value for the business traveler.

Pros

• Earn 6X points on eligible purchases at hotels participating in the Marriott Bonvoy program.
• Earn 4X points at restaurants worldwide, U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
• Earn 2X points on all other purchases.
• 7% discount off standard rates for reservations of standard guest rooms at hotels participating in the Marriott Bonvoy program (excluding Premium rooms)
• Employee cards free of charge
• No foreign transaction fees
• Marriott Bonvoy Gold Elite Status
• Annual free night award—earn a second free night after charging $60,000 to your card within a calendar year
• Extend warranty and purchase protection*
• Marriott Bonvoy Air+Car Transfer Program enables you to redeem points for flights and car rentals.

Cons

• Transfer ratios to airline partners are poor
• No trip cancellation/interruption insurance
• No lounge access

Southwest® Rapid Rewards® Performance Business Credit Card

The Southwest® Rapid Rewards® Performance Business Credit Card offers unrivaled benefits for frequent flyers on Southwest.

Earning the lucrative welcome bonus, typically around 80,000 points, puts you well on your way to earning the coveted Southwest Companion Pass, which allows a companion to fly with you for only $5.60 in taxes and fees for the remaining calendar year you earn it in, plus a second year.

For every $10,000 you spend, you’ll earn 1,500 qualifying points toward A-List status, without any caps. You’re also eligible for up to four upgraded boardings per year (subject to availability), as well as an annual 9,000 point anniversary boost.

You’ll also benefit from expedited security processing with a statement credit toward Global Entry, TSA PreCheck or NEXUS membership application fees.

Pros

• Earn 4X points on Southwest Airlines® purchases.
• Earn 3X points on Rapid Rewards hotel and car rental partner purchases.
• Earn 2X points on social media and search engine advertising, internet, cable and phone services.
• Earn 2X points on local transit and commuting, including rideshare services.
• Earn 1X point on all other purchases.
• Annual 9,000 point boost
• Earn 1,500 tier qualifying points toward A-List status for every $10,000 spent.
• Up to four upgraded boarding per year (subject to availability)
• Global Entry, TSA PreCheck or NEXUS fee credit up to $100 every four years
• Employee cards issued for free
• No foreign transaction fees
• Baggage delay and lost luggage insurance, extended warranty and purchase protection

Cons

• No lounge access
• No trip cancellation/interruption insurance

The Business Platinum Card® from American Express

When it comes to business travel and lounge access, the Business Platinum Card® from American Express is unbeatable.

Despite its hefty fee of $695 and the additional fee of $350 per employee card, its return in benefits can go a long way to offset these costs.

The card offers a strong bonus category earning rate of 5X points on prepaid flights and travel booked through AmexTravel.com as well as 1.5X points on key business categories, including purchases costing $5,000 or more. Additionally, it offers more than $1,000 worth of statement credits for business-related purchases with specific brands.

When it comes to business travel, this card really stands out.

It reimburses the application fee for either Global Entry ($100) every four years or TSA PreCheck ($78) every 4.5 years, allowing you to speed through Customs and Border Protection processing as well as physical screening on international and domestic flights. It also reimburses CLEAR® Plus membership (up to $189 in statement credits) and offers a $200 statement credit toward airline incidental fees with one pre-selected qualifying airline.

Members also receive complimentary Marriott Bonvoy Gold Elite status, Hilton Honors Gold status and access to the American Express Global Lounge Collection. This alone makes it one of the best business credit cards for travelers.

For frequent flyers, hotel users or high-spenders, the Business Platinum card quickly justifies its annual fee.

Pros

• 5X points on flights and prepaid hotels booked through AmexTravel.com
• 1.5X points on eligible purchases in business categories, as well as on eligible purchases of $5K or more
• 1X point on all other purchases
• $400 statement credit for Dell Technologies purchases, issued in semi-annual $200 statement credits (enrollment required)
• $360 statement credit for purchases with Indeed, issued in $90 quarterly credits (enrollment required)
• $150 statement credit on select business purchases from Adobe Creative Solutions (enrollment required)
• $120 statement credit on U.S. wireless phone purchases, issued in $10 monthly increments (enrollment required)
• Access to the American Express Global Lounge Collection (1,400+ lounges, enrollment required)
• $200 airline incidental fee credit
• $189 Clear® Plus membership fee credit
• Get 35% points back after you use the Pay With Points feature for all or part of a flight booked with American Express
• Receive either a $100 statement credit every four years for a Global Entry application fee or a statement credit up to $78 every 4.5 years for a TSA PreCheck® application fee
• Marriott Bonvoy™ Gold Elite Status (enrollment required)
• Hilton Honors Gold Status (enrollment required)
• Benefits with the Fine Hotels + Resorts program
• No foreign transaction fees
• Range of travel insurances included*

Cons

• High annual fee ($695) and additional card user fee ($350)
• Welcome bonus typically has a high minimum spending threshold (around $15,000)
• Limited range of bonus categories

Why Should Businesses Consider a Credit Card for Travel?

Business owners who travel frequently can benefit significantly from holding travel rewards business credit cards.

You’ll be able to earn points and miles on travel-related purchases, as well as on other key business spending categories, depending on the card.

You’ll also benefit from business and travel-related statement credits, as well as lifestyle perks, such as airport lounge access or rental car company status privileges. These perks and bonus category earning rates can lead to significant business savings in the long run.

For employees on the go, you can issue multiple cards, conveniently enabling their spending to earn points as well as allowing them to redeem these points for travel rewards.

When it comes to redemption opportunities, you may be able to redeem points and miles for reduced airfares, hotel stays and rental car costs, as well as for plain-and-simple cash back.

Opening a business travel rewards credit card also comes with the general perks related to separating personal and business expenditures.

First off, tax season will be less of a stress when it comes to calculating business expenditures.

Second, you may see an increase in your personal credit score, as opening a business travel rewards credit card will allow you to build your business credit score, while reducing your personal credit utilization ratio.

What Are the Key Features to Consider in a Business Travel Credit Card?

When selecting the best business card for travel, there are some key card features to consider. By prioritizing these features in your selection, you’ll maximize the benefit of holding a business travel credit card.

Reward Points System

1 U.S. Dollar is not equal to 1 Swiss Franc. Likewise, 1 Chase Ultimate Reward is not equal to 1 Avios.

Choosing a card with a reward system that aligns with your travel goals and business expenditure is crucial for maximizing the value of your business spending.

You need to consider what your end travel goal is when it comes to redeeming points, as well as what your regular business expenses are.

Are you looking for discounted air travel with a specific airline? Discounted hotel stays? Or do you want a card that earns a point currency that is flexible enough to be redeemed and transferred to a wide range of airline and hotel loyalty schemes?

For example, take Chase Ultimate Rewards. They’re one of the most valuable and flexible point currencies you can hold. You can transfer them at a ratio of 1:1 to 11 different airline frequent flyer programs and three hotel loyalty schemes, as well as redeem them for fixed value through the Chase Ultimate Rewards travel portal.

However, if your business primarily takes frequent flights on Alaska Airlines, then an Ultimate Rewards-earning card is not going to get you very far. In this case, a card that earns Alaska Airlines Mileage Plan miles would be of greater value to you, as they will reward your spending and offset flight costs far more than Ultimate Rewards will.

This of course is one example of many, and the reverse could easily apply to your specific business situation. The point is that the value of any reward points system is dependent on your business’ specific travel behavior and goals.

Similarly, don’t neglect the power of airline alliances and card-issuer transfer partners.

Welcome Bonuses

Welcome bonuses on business travel credit cards are often more lucrative than those on personal cards. They typically require you to reach a minimum spending threshold within the first three months of opening your account.

In the world of points and miles, welcome offers are your best friend. Welcome offers are the number one way to accumulate thousands of points and will give you the best return on your spending.

For example, if a card offers a 100,000-point welcome bonus after spending $3,000, you’re effectively earning 33X points per dollar spent, giving you a massive return on your spending.

When planning your wider card strategy, you should ensure that new card applications for business travel credit cards align with periods of high business expenditure. For example, if your business requires new capital or renovation, this would be the perfect time to use a new business travel credit card to earn its welcome bonus through organic spending.

Finding a card with the highest welcome offer you can realistically earn without overspending is key to accumulating thousands of points and miles.

Annual Fees

High annual fees are a surefire way to put many prospective users on edge. However, annual fees need to be understood not simply in terms of their upfront cost, but rather in terms of the degree to which the card’s perks can offset them.

Think of it this way. If a card costs $500 per year to hold, but gives you a return value in cardholder perks of $1,000, then you’re offsetting the annual fee by double—as long as you actually use these perks. That’s why selecting a business travel credit card with bonus spending categories and perks that align with your spending habits and goals is crucial for determining your ability to offset annual fees.

Similarly, annual fee-incurring cards often confer greater value and higher welcome bonuses than $0 annual fee cards. Normally, the higher the annual fee, the greater the monetary value of perks and bonus spending category rates are. Take the Ink Business Unlimited® Credit Card vs. the Ink Business Preferred® Credit Card, for example.

The $0 annual fee Ink Business Unlimited card offers a welcome bonus typically in the range of $750 to $900 in cash back, after spending $6,000 within the first three months. In contrast, the $95 Ink Business Preferred card offers a welcome bonus typically of 100,000 bonus points after spending $8,000 within the first three months.

100,000 Ultimate Rewards have a value of at least $1,000 or $1,250 when redeemed for travel via the Chase Ultimate Rewards travel portal. Sure, there’s a higher minimum spending requirement for the welcome bonus on the annual fee card. But in return, you receive greater value for your spending and even have the ability to increase the redemption value via Chase Ultimate Rewards travel purchases.

Given these reasons, you need to consider the degree to which cardholder perks and bonus category spending rates can help you to offset the annual fee when selecting a card, rather than shunning annual fee cards altogether.

Lounge Access

Airport lounge access is no longer just for the rich and famous. In fact, many business travel credit cards now offer complimentary lounge access.

There are thousands of airport lounges scattered across the globe. However, no single card is a universal key. Instead, business travel credit cards offer complimentary access to specific lounge networks.

The Business Platinum Card® from American Express is the juggernaut of airport lounge access. It confers complimentary access to the American Express Global Lounge Collection, which includes multiple networks such as Lufthansa, Delta Sky Clubs and Centurion lounges.

When selecting a card, consider which airports you and your employees frequent and which lounge networks operate there. By selecting a card based on this strategy, you’ll be able to maximize lounge access benefits, thereby offsetting the annual fee to a greater degree.

Travel Insurance

Many premium business travel credit cards come with various forms of travel insurance. You can expect to benefit from the following insurances on certain business credit cards for travel:

• Trip cancellation/Trip interruption insurance
• Baggage loss or delay insurance
• Auto Rental Collision Damage Waiver

In the event that your trip is cut short by severe weather, sickness or any other covered situations, you can receive reimbursement for prepaid, non-refundable travel expenses charged to your business travel credit card.

Some of the best business credit cards for travel also come with cell phone protection, purchase protection and extended warranty protection.

In some cases, these complimentary insurances can suffice to cover you for a trip, saving you from having to pay for an extra insurance policy.

That being said, be sure to always read the exact terms of coverage, as well as keep in mind that you may need to take out a separate insurance policy to cover special activities or customize insurance limits.

Foreign Transaction Fees

If you’re considering opening a business travel credit card, it’s likely you may need to use your card abroad. For this reason, it’s important to opt for a card without foreign transaction fees.

It’s easy to neglect the cumulative effect of foreign transaction fees. What may seem like a few dollars extra can quickly add up. For example, if your card charges a 3% foreign transaction fee and you spend $2,000 abroad while on business travel, that amounts to $60 in fees.

On top of this, when paying for hotels, flights or business-related purchases on a non-U.S. website, you may also incur foreign transaction fees. If you regularly pay suppliers abroad, the cost of these foreign transaction fees will not only eat into the rewards earned on credit card spending, they may eat into your end profit.

For this reason, the best business credit cards for travel are those which waive foreign transaction fees.

How Can You Maximize the Benefits of Your Business Travel Credit Card?

The strategy for maximizing the benefits of your business travel credit card is no different from that for a consumer card.

It begins by selecting a card that offers high bonus category spending rates on your everyday business expenditure, as well as perks that you can use often. This alone will offset most annual fees.

Next, you need to consider the ideal time to apply for the card.

Some business travel credit cards vary their welcome bonuses depending on the time of year. If you check a card’s welcome bonus history and apply at the time it’s typically highest, you’ll maximize the return on your spending.

Likewise, if possible, try to align your card application with periods of naturally high expenditure. If you need to make some big investments in your business, paying for it with your new card will make earning that welcome bonus one step easier.

Aside from strategically planning application dates and selecting a business travel credit card best suited to your business, success with business travel credit cards comes from following the general principles of responsible credit card usage. Those are:

• Never overspend to earn points or a welcome bonus.
• Always make timely payments.
• Never carry a balance or accumulate interest.
• Keep your credit utilization ratio below 30% to protect your business credit score.

You can have the best business travel credit card, but only responsible usage will guarantee you thousands of points and miles.

If you charge most of your business purchases to your business travel credit card, you’ll accumulate thousands of points while building a solid business credit score.

Take the Next Step: Unlock More Business Travel Rewards

As a business owner, business expenses are an inevitable part of life. But using these expenses to leverage discounted travel is optional—and it’s an option you should always choose.

By opening a business travel credit card, you’ll turn your and your employees’ expenditures into points and miles. Whether it’s airport lounge access, discounted airfares, free hotel stays, priority boarding, travel insurance or expedited security screening via Global Entry, points and miles will make it possible.

Once you find the business travel credit card that suits your needs, keep up with 10xTravel for the best insider hints and tips to maximize your points and miles.

* Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.