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Best Business Credit Cards for Travel in 2026
Traveling for business gives the opportunity to earn valuable rewards.This guide breaks down the best business credit cards for travel. We look at what to consider across a few types of travel cards. The card types include general cards as well as airline and hotel-specific options. Getting the right card can turn your business trips into opportunities for free flights and hotel stays.
We’ll also discuss the Wise Multi-Currency Card for Business, which offers a few ways for your business to spend wisely during international travel.
Key Features to Look For in Business Travel Cards
When picking a business credit card for travel, several features stand out. These are the things that truly add value for frequent travelers. Think about your typical business expenses. Consider how often you travel. Then, match those needs with what the cards offer.
The heart of any travel card is its rewards program. You want a card that lets you earn points or miles on your business spending. More importantly, you want flexibility in how you use those rewards.
| Feature | Description | Key Consideration |
|---|---|---|
| Earning Rates | Bonus points/miles on common business expenses, especially travel (flights, hotels, car rentals, dining) | Look for higher multipliers (e.g., 3x) on expenses you incur frequently |
| Redemption Value | The worth of points/miles, which varies by card and redemption method (travel portals, transfer partners) | Determine your preferred redemption method (specific airline/hotel, general travel) for maximum value |
| Welcome Bonuses | A large initial reward after meeting an initial spending requirement | A quick way to accumulate a significant number of rewards for your first big trip |
Airport Lounge Access & Travel Perks
Beyond earning rewards, many business travel cards offer benefits that enhance your travel experience directly. These perks can make a long journey much more comfortable.
| Feature | Description |
|---|---|
| Airport Lounge Access | Offers a quiet retreat from crowded terminals, often including free Wi-Fi, comfortable seating, food, and drinks. Can be unlimited or a set number of visits per year. |
| Travel Insurance | Provides peace of mind with coverage like trip cancellation/interruption insurance and lost luggage reimbursement. |
| Global Entry/TSA PreCheck® Credits | Statement credits to cover the application fee for these programs, which expedite airport security and customs. |
| Travel Credits | Annual credits that can be used for in-flight purchases, baggage fees, or specific travel bookings, effectively reducing the card's annual cost. |
Foreign Transaction Fees: A Crucial Consideration
This is a big one for businesses that operate internationally or have employees who travel abroad. Foreign transaction fees are typically a percentage (often 3%) added to every purchase made in a foreign currency.
| Feature | Description |
|---|---|
| 0% Foreign Transaction Fees | The best business travel cards will have no foreign transaction fees. This means you pay the exact price in local currency, without any extra charges added by the credit card company. For businesses with international spending, this can lead to significant savings over time. |
| Impact on Rewards | Even if a card offers great rewards, a 3% foreign transaction fee can quickly wipe out the value of those earnings. Always check for this fee before applying. |
General Business Travel Credit Cards
These cards offer broad travel rewards and benefits. They are suitable for businesses with diverse travel needs. They aren't tied to a specific airline or hotel. This makes them very flexible.
1. Chase Business Travel Cards
Chase offers several strong contenders for business travel. Their Ultimate Rewards program is highly regarded for its flexibility and value.
Ink Business Preferred® Credit Card
This card is a top choice for many businesses. It offers accelerated rewards on key business spending categories.
Card Features
| Feature | Details1 |
|---|---|
| Annual Fee | 95 USD |
| Welcome Offer | Earn 100,000 bonus points after spending 8,000 USD on purchases in the first 3 months from account opening |
| Rewards | 3x points on the first 150,000 USD in combined purchases annually in these categories: travel purchases, shipping purchases, internet, phone, and cable services, Advertising purchases made with social media sites and search engines. 1x point on all other purchases |
| Foreign Transaction Fees | None |
| Other Benefits | Primary car rental insurance, Trip cancellation and interruption insurance, Purchase protection, Extended warranty protection |
2. Capital One Travel Cards
Capital One has made a splash in the travel rewards space. Their cards offer straightforward earning and valuable redemption options.
Capital One Venture X Business
This card is designed for businesses that travel frequently. It offers a premium suite of travel benefits.
Card Features
| Feature | Details2 |
|---|---|
| Annual Fee | 395 USD (can be offset by statement credits) |
| Welcome Offer | Earn 2 miles per dollar on every purchase, plus an introductory bonus of 150,000 miles after spending 30,000 USD in the first 3 months |
| Rewards | 10x miles on hotels and rental cars booked through Capital One Travel; 5x miles on flights booked through Capital One Travel; 2x miles on every purchase |
| Foreign Transaction Fees | None |
| Other Benefits | Up to a 300 USD annual credit for travel booked through Capital One Travel; one-time 100,000-mile bonus; complimentary access to over 1,300 airport lounges worldwide through Priority Pass Select; Global Entry or TSA PreCheck® credit; premier travel insurance |
3. American Express Business Travel Cards
American Express offers a range of business cards known for their premium travel perks and strong rewards programs.
The Business Platinum Card® from American Express
This card is for the high-spending business traveler. It offers extensive travel credits and lounge access.
Card Features
| Feature | Details3 |
|---|---|
| Annual Fee | 895 USD |
| Welcome Offer | Earn 300,000 Membership Rewards® Points after spending 20,000 USD on eligible purchases within the first 3 months of Card Membership |
| Rewards | 5x Membership Rewards® points on flights and prepaid hotels booked directly with airlines or the Amex travel website (on up to 500,000 USD per calendar year in these purchases) |
| 2x points on eligible purchases at US construction material and hardware suppliers, US electronic goods retailers and U.S. software and cloud service providers | |
| 1x point on all other eligible purchases | |
| Foreign Transaction Fees | None. |
| Other Benefits | Up to 200 USD annual statement credit on eligible incidental airline fees |
| $850 Value with American Express Global Lounge Collection® | |
| Statement credits for Global Entry or TSA PreCheck® | |
| Access to The Centurion® Lounge network |
Wise Multi-Currency Card for Business
With the Wise Multi-Currency debit card, you can reduce costs on international spending. You'll get the mid-market exchange rate when you pay bills or expenses in foreign currencies. You can pay online or in-store in 40+ currencies and 160+ countries. The first card on your Wise Business account is included in your one-time account setup fee. After that, cards for team members cost just 5 USD each.
Invite your employees to order Wise Multi-Currency Cards and pre-set their spending limits. Add them to your Business account with controlled access and track their spending in one place. See real-time spending anytime, anywhere.
Airline and Hotel Business Credit Cards
If you have strong loyalty to a particular airline or hotel brand, these cards can offer significant benefits. They often provide perks that are exclusive to that brand.
1. United Business Travel Card
For businesses that frequently fly with United Airlines, these cards can offer great value.
UnitedSM Business Card
This card is a good entry point for businesses loyal to United. It offers a solid rewards rate and useful travel benefits.
Card Features
| Feature | Details4 |
|---|---|
| Annual Fee | 150 USD |
| Welcome Offer | Earn 100,000 bonus miles + 2,000 Premier qualifying points after spending 5,000 USD on purchases in the first 3 months |
| Rewards |
|
| Foreign Transaction Fees | None |
| Other Benefits |
|
United ClubSM Business Card
This card is for the most dedicated United flyers. It offers premier lounge access and more benefits.
Card Features
| Feature | Details5 |
|---|---|
| Annual Fee | 695 USD |
| Welcome Offer | Earn 100,000 bonus miles + 2,000 Premier qualifying points after spending 5,000 USD on purchases in the first 3 months |
| Rewards (United purchases) | 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 |
| Rewards (Other purchases) | 1.5x miles |
| Foreign Transaction Fees | None |
| Lounge Access | Unlimited complimentary access to United Club℠ lounges |
| Checked Bag Benefit | First checked bag free on United-operated flights for the cardholder and one companion |
| Boarding/Check-in | Priority boarding and Premier access check-in |
2. Citi / AAdvantage Travel Card
If American Airlines is your preferred carrier, this card offers AAdvantage miles.
Citi® / AAdvantage Business™ World Elite Mastercard®
This card helps you earn AAdvantage miles on your business spending. It's great for those who fly American Airlines.
Card Features
| Feature | Details6 |
|---|---|
| Annual Fee | 95 USD |
| Welcome Offer | Earn 75,000 bonus miles after spending 5,000 USD in the first 5 months |
| Rewards Structure | * 2x AAdvantage miles on eligible American Airlines purchases * 2x AAdvantage miles on purchases in select business categories (e.g., gas stations, car rentals) * 1x AAdvantage mile on all other purchases |
| Foreign Transaction Fee | None |
| Additional Benefits | * First checked bag is free on domestic itineraries for the cardholder and up to 4 companions * Preferred boarding for the cardholder and companions * In-flight savings on American Airlines flights |
3. Delta Business Travel Card
For businesses loyal to Delta, these cards offer SkyMiles and Delta-specific perks.
Delta SkyMiles® Gold Business Amex Card
This is a good option for businesses that fly Delta occasionally. It offers a solid rewards rate and useful travel benefits.
Card Features
| Feature | Details7 |
|---|---|
| Annual Fee | 0 USD introductory annual fee for the first year, then 150 USD |
| Welcome Offer | Earn 60,000 bonus miles after spending 6,000 USD on purchases in the first 3 months |
| Rewards |
|
| Foreign Transaction Fees | None |
| Other Benefits |
|
Delta SkyMiles® Platinum Business Amex Card
This card offers more robust benefits for frequent Delta flyers.
Card Features
| Feature | Details8 |
|---|---|
| Annual Fee | 350 USD |
| Welcome Offer | Earn 70,000 bonus miles after spending 8,000 USD on purchases in the first 6 months |
| Rewards | 3x miles on eligible Delta purchases |
| 1.5x miles on eligible U.S. shipping | |
| 1.5X miles on purchases of 5,000 USD or more, up to 50,000 bonus miles per calendar year | |
| 1X mile on all other eligible purchases | |
| Foreign Transaction Fees | None |
| Other Benefits | First checked bag free on Delta flights |
| Zone 5 Priority boarding | |
| Annual Companion Certificate good for a round-trip domestic main cabin flight | |
| Global Entry or TSA PreCheck® credit |
Delta SkyMiles® Reserve Business Amex Card
This is the premium Delta business card. It offers top-tier benefits, including lounge access.
Card Features
| Feature | Details9 |
|---|---|
| Annual Fee | 650 USD |
| Welcome Offer | Earn 80,000 bonus miles after spending 15,000 USD on purchases in the first 6 months |
| Rewards |
|
| Foreign Transaction Fees | None |
| Other Benefits |
|
4. Marriott Business Travel Card
For businesses that prefer staying at Marriott properties, this card offers Bonvoy benefits.
Marriott Bonvoy Business® American Express® Card
This card is excellent for businesses with frequent stays at Marriott hotels.
Card Features
| Feature | Details10 |
|---|---|
| Annual Fee | 125 USD |
| Welcome Offer | Earn 3 Free Night Awards after you spend 6,000 USD in purchases and an extra 2 Free Night Awards after you spend an additional 3,000 USD in purchases on the Card within the first 6 months of Card Membership |
| Rewards (Marriott/Ritz-Carlton) | 6x points on eligible Marriott Bonvoy® purchases |
| Rewards (4X categories) | 4x points at US gas stations, worldwide restaurants, USand shipping purchases, and on US phone services |
| Rewards (Other) | 2x points on all other eligible purchases |
| Foreign Transaction Fees | None |
| Elite Night Credits (Annual) | Receive 15 Elite Night Credits toward achieving elite status every year |
| Status | Complimentary Marriott Bonvoy Silver Elite status |
| Free Night Award | Earn one Free Night Award annually after your anniversary month (worth up to 35,000 Marriott Bonvoy® points) |
5. Hilton Business Travel Card
If Hilton hotels are your go-to, this card can help you earn Honors points and status.
Hilton Honors Business Card
This card is ideal for businesses that frequently stay at Hilton properties.
Card Features
| Feature | Details11 |
|---|---|
| Annual Fee | 195 USD |
| Welcome Offer | Earn 175,000 Hilton Honors Bonus Points + a Free Night Reward after you spend $8,000 in purchases on the Hilton Honors American Express Business Card in the first 6 months of Card Membership (offer ends 4/15/26) |
| Rewards | 12x points on eligible purchases at hotels and resorts in the Hilton portfolio; 5x points on all other eligible purchases |
| Foreign Transaction Fees | None |
| Other Benefits | Earn Hilton Honors™ Silver status automatically; opportunity to earn Hilton Honors™ Gold status with 15,000 USD in eligible purchases in a calendar year; up to $240 back per year on eligible Hilton purchases; complimentary National Car Rental® Emerald Club Executive® Status |
6. World of Hyatt Business Travel Card
For businesses that frequent Hyatt hotels, this card offers valuable benefits and points.
World of Hyatt Business Credit Card
This card is a great choice for business travelers who prefer Hyatt properties.
Card Features
| Feature | Details12 |
|---|---|
| Annual Fee | 199 USD |
| Welcome Offer | Earn 80,000 World of Hyatt bonus points after spending 10,000 USD on purchases in the first 3 months |
| Rewards |
|
| Foreign Transaction Fees | None |
| Other Benefits |
|
Sources:
- Chase Ink Business Preferred® Credit Card | Chase.com
- Venture X Business Card | Capital One
- The Business Platinum Card® from American Express | AmericanExpress.com
- UnitedSM Business Credit Card | Chase.com
- United ClubSM Business Credit Card | Chase.com
- Citi® / AAdvantage® Business World Elite Mastercard | AA.com
- Delta SkyMiles® Gold Business Card | American Express
- Delta SkyMiles® Platinum Business Card | American Express https://www.americanexpress.com/us/credit-cards/business/delta-sky-miles-platinum-business-card/
- Delta SkyMiles® Reserve Business Card | American Express https://www.americanexpress.com/us/credit-cards/business/delta-sky-miles-reserve-business-card/
- Marriott Bonvoy Business® Credit Card | American Express https://www.americanexpress.com/us/credit-cards/business/marriott-bonvoy-business-card/
- Hilton Honors Business Card | American Express https://www.americanexpress.com/us/credit-cards/business/hilton-honors-business-card/
- World of Hyatt Business Credit Card | Chase.com
*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.
This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.
We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.
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