Best credit cards for every business travellers in USA

Thursday, March 28, 2024

Navigating the myriad of business travel credit card options available for business travel can be daunting. Yet, choosing the right card can unlock a world of benefits, from travel perks to financial management tools.

In the United States, several best business travel credit cards stand out for their exceptional rewards, services, and convenience, catering specifically to the needs of the frequent business traveller.

American Express Business Platinum Card

The American Express Business Platinum Card is renowned for its extensive travel benefits and rewards. Ideal for frequent flyers, this card offers comprehensive airport lounge access, including to Centurion Lounges, Priority Pass lounges, and Delta Sky Clubs when flying Delta. Additionally, cardholders enjoy elite status benefits with certain hotel chains, a generous welcome offer, and substantial points earning on flights and hotel bookings made through Amex Travel. Despite its steep annual fee, the value packed into this card, including up to $200 in airline fee credits annually, makes it a top pick for many business travelers.

Chase Ink Business Preferred Credit Card

For businesses seeking strong travel rewards at a more moderate annual fee, the Chase Ink Business Preferred Credit Card is a compelling option. It offers a high points earning rate in travel, shipping purchases, internet, cable and phone services, and advertising purchases made with social media sites and search engines.

Points are worth 25% more when redeemed for travel through Chase Ultimate Rewards, and the card comes with trip cancellation/interruption insurance, primary rental car insurance, and cell phone protection, adding considerable value for the business traveler.

Capital One Spark Miles for Business

Capital One Spark Miles for Business is designed for simplicity and flexibility, offering a flat-rate earning on all purchases that can be redeemed for any travel expense without blackout dates or brand restrictions.

With a modest annual fee that’s waived the first year, this card is an excellent choice for businesses looking for straightforward rewards and travel benefits. Additional perks include no foreign transaction fees and a Global Entry or TSA Pre✓ fee credit, making international travel smoother and more enjoyable.

The Business Gold Card from American Express

The Business Gold Card from American Express tailors its rewards to your spending, automatically earning you 4X points in the two categories where your business spent the most each billing cycle, from a list including airfare, advertising, gas stations, and more.

This customization makes it an attractive choice for businesses with varied or fluctuating expenses. While it lacks some of the premium travel benefits of the Platinum Card, it still offers excellent rewards potential and a lower annual fee, making it a balanced option for many business travelers.

Bank of America Business Advantage Travel Rewards World Mastercard

For small businesses looking for a no-annual-fee card that still offers solid travel rewards, the Bank of America Business Advantage Travel Rewards World Mastercard is an excellent choice. Cardholders earn points on every purchase, with an increased rate for travel booked through the Bank of America Travel Center.

Additionally, if you’re a Bank of America customer, you can earn even higher rewards through their Preferred Rewards for Business program. The card also offers an attractive sign-up bonus and no foreign transaction fees, enhancing its value for international travel.

Selecting the best business travel credit card depends on your specific travel habits, business expenses, and preference for rewards and benefits. Whether you prioritize lounge access, travel insurance, simplicity in rewards, or no annual fees, there’s a card on this list that meets your needs.

By carefully evaluating each card’s offerings and aligning them with your business travel patterns, you can maximise the benefits and make your business travel more rewarding and efficient.

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