Businesses involve expenses and with the right credit card, those expenses can turn into travel opportunities. Business credit cards designed for travel rewards allow business owners to earn points or miles for every dollar spent on business-related purchases. These points can be redeemed for flights, hotels, car rentals, and more. Many cards also offer exclusive perks like airport lounge access, free checked bags, or travel insurance.
5 Best Business Credit Card for Travel Points:
Following are the best business credit cards for travel points with 0$ foreign transaction fee.
1. Chase Ink Business Preferred® Credit Card:
The Chase Ink Business Preferred® Credit Card is among the most popular business credit cards for earning travel rewards. It offers robust point-earning opportunities, a generous sign-up bonus, and excellent redemption flexibility through the Chase Ultimate Rewards® program.
Sign up Bonuses: Earn 90,000 Chase Ultimate Rewards® points after spending $8,000 on purchases within the first 3 months. Points are worth $1,250 toward travel through Chase Ultimate Rewards or can be transferred to travel partners for even greater value.
Earning Points: Earn 3 points per $1 spent on the first $150,000 in combined purchases annually in categories like: travel, shipping purchases, advertising on social media and search engines, and internet, cable, and phone services.
Annual Fee: 95$
Foreign Transaction Fees: No.
APR: Variable,20.24% to 26.24%
Travel through Chase Ultimate Rewards: Points are worth 25% more when redeemed for travel (e.g., 100,000 points = $1,250).
Points can be transferred 1:1 to over a dozen travel loyalty programs, including, Airlines (United MileagePlus®, Southwest Rapid Rewards®, British Airways Executive Club) and hotels (World of Hyatt, Marriott Bonvoy, IHG Rewards Club).
If your trip is canceled or shortened due to sickness, bad weather, or other covered reasons, you can get back up to $5,000 per traveler and $10,000 per trip for prepaid travel costs like flights, tours, and hotel bookings.
When renting a car for business, you can skip the rental company’s insurance if you pay for the rental with your card. The card gives primary coverage for theft or collision damage, reimbursing up to $60,000 for most vehicles with a value of $125,000 or less.
This card doesn’t include luxury benefits like lounge access or travel credits.
2. American Express Business Platinum Card®:
The American Express Business Platinum Card® is a premium business credit card that offers an array of rewards and benefits tailored for business owners who travel frequently.
Earning Points: Earn 5 points per dollar on flights and prepaid hotels booked through AmexTravel.com. Earn 1.5 points per dollar on eligible purchases in key business categories and on purchases of $5,000 or more, up to a cap. 1 point per dollar on all other eligible purchases.
This card provides access to over 1,400 airport lounges across 140 countries, with more lounge options than any other credit card issuer.
Enjoy benefits like daily breakfast for two and complimentary Wi-Fi at select luxury hotels.
Receive up to $200 in statement credits per calendar year for incidental fees with a selected airline. Enrollment required.
Get up to $199 back per year on your CLEAR® Plus membership, expediting airport security. Enrollment required.
Annual Fee: $695.
APR: Variable, 18.49% – 27.49%
Foreign Transaction Fees: No.
3. Capital One Spark Miles for Business:
The Capital One Spark Miles for Business is a versatile credit card.
Annual Fee: $0 introductory fee for the first year; $95 thereafter.
Foreign Transaction Fees: No.
APR: Variable, 25.24%
Rewards Structure: Earn 2 miles per dollar on every purchase, simplifying rewards without the need to track categories. Earn 5 miles per dollar on hotels and rental cars booked through Capital One Travel.
Also Read: Best Credit Card for Traveling To Europe in 2025
Welcome Bonus: Receive a one-time bonus of 50,000 miles after spending $4,500 within the first three months from account opening.
Redemption Options: Redeem miles for flights, hotels, vacation packages, and more through Capital One Travel. You can transfer miles to over 15 travel loyalty programs, including airlines and hotels that offer flexibility in redemption.
Receive up to $100 credit for Global Entry or TSA PreCheck application fees that enhance travel convenience.
4. Bank of America® Business Advantage Travel Rewards:
The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card is a solid choice for small business owners who are looking for a straightforward rewards program without the burden of an annual fee.
Annual Fee: $0.
APR: Enjoy a 0% introductory APR on purchases for the first 9 billing cycles. After that, a variable APR of 17.49% to 27.49% applies.
Foreign Transaction Fees: No.
Rewards Structure: Earn 1.5 points for every $1 spent on all purchases. This simplifies the rewards process without the need to track specific categories.
Welcome Bonus: Earn 30,000 bonus points after making at least $3,000 in net purchases within the first 90 days of account opening. These points can be redeemed for a $300 statement credit toward travel or dining purchases.
If you’re a member of Bank of America’s Preferred Rewards for Business program, you can earn up to 75% more points on every purchase. This means you could earn up to 2.62 points per $1 spent, depending on your tier in the program.
To maximize rewards through the Preferred Rewards for Business program, you’ll need to maintain a considerable balance across eligible Bank of America and Merrill accounts.
5. CitiBusiness® / AAdvantage® Platinum Select® Mastercard®:
The CitiBusiness® / AAdvantage® Platinum Select® Mastercard® is a co-branded business credit card, especially for frequent travelers who prefer American Airlines.
Annual Fee: $0 introductory annual fee for the first year; $99 thereafter.
Foreign Transaction Fees: No.
APR: Variable, 20.24% – 29.24%
Welcome Bonus: Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
Earning Miles: 2 AAdvantage® Miles per $1 Spent on eligible American Airlines purchases, telecommunications merchants, cable and satellite providers, car rental merchants, and at gas stations. 1 AAdvantage® Mile per $1 Spent on all other purchases.
First Checked Bag Free: On domestic American Airlines itineraries for you and up to four companions on the same reservation.
Enjoy preferred boarding on American Airlines flights.
Receive a 25% discount on inflight food and beverage purchases when using the card.
Earn a $99 Companion Certificate each year after spending $30,000 or more in purchases and renewing your card.
Each card member earns 1 Loyalty Point for every $1 spent on purchases that contribute toward AAdvantage® status.
FAQs:
Can you use a business credit card to travel?
Yes, you can use a business credit card for travel. Many business credit cards offer travel-specific benefits like rewards points, miles, travel insurance, and perks such as free checked bags or airport lounge access. Ensure the card is used for business-related travel expenses to align with its intended purpose. Always check the card’s terms for allowable usage.
How much is 100,000 travel points worth?
The value of 100,000 travel points depends on the rewards program and how we redeem them. On average:
Airline miles: 1 to 2 cents per mile worth $1,000 to $2,000.
Hotel points: 0.5 to 1 cent per point, worth $500 to $1,000.
Credit card travel points: Typically 1 cent per point, equating to $1,000.
Can I use my business credit card for non-business expenses?
You can use your business credit card for personal purchases, but it is not recommended. Using a business credit card for non-business expenses may complicate record-keeping, and tax filings, and violates your card’s terms of use. It’s important to maintain a clear separation between business and personal expenses to avoid complications.
