Out of all the business credit cards available, which ones are the best for travel? Business travel can be expensive, so it’s important to have a credit card that can help you save money and earn rewards.

Editor’s Note: Our team of experts has published this guide to the best business credit cards for travel on [date]. We’ve analyzed dozens of cards and compared their benefits to help you make the best decision for your business.

We’ve done the hard work for you and put together this guide to the best business credit cards for travel. Whether you’re looking for a card with a low interest rate, a high rewards rate, or a combination of both, we’ve got you covered.

Key Differences

Key Takeaways

• The best business credit card for travel depends on your individual needs.
• Consider factors such as annual fee, interest rate, and rewards rate when choosing a card.
• There are many great business credit cards for travel available, so it’s important to compare your options before making a decision.

Main Article Topics

• The Benefits of Using a Business Credit Card for Travel
• How to Choose the Best Business Credit Card for Travel
• Reviews of the Best Business Credit Cards for Travel

Best Business Credit Cards for Travel

When choosing the best business credit card for travel, there are several key aspects to consider. These include:

• Rewards: The type and value of rewards offered, such as points, miles, or cash back.
• Annual fee: The annual cost of owning the card.
• Interest rate: The rate charged on unpaid balances.
• Credit limit: The maximum amount of credit that can be extended.
• Perks: Additional benefits offered by the card, such as travel insurance or airport lounge access.
• Foreign transaction fees: Fees charged for using the card outside of the United States.
• Customer service: The quality and availability of customer support.
• Mobile app: The functionality and ease of use of the card’s mobile app.
• Security: The card’s security features, such as fraud protection and chip technology.
• Brand: The reputation and reliability of the card issuer.

The best business credit card for travel will vary depending on your individual needs and travel habits. By considering these key aspects, you can choose a card that will help you save money, earn rewards, and travel more easily.

Rewards

When choosing the best business credit card for travel, the type and value of rewards offered is a key consideration. Rewards can come in a variety of forms, including points, miles, or cash back. Each type of reward has its own advantages and disadvantages, so it’s important to choose the one that best fits your needs.

• Points: Points are the most common type of reward offered by business credit cards. They can be redeemed for a variety of travel-related expenses, such as flights, hotels, and rental cars. Points can also be transferred to airline or hotel loyalty programs, which can give you even more redemption options.
• Miles: Miles are similar to points, but they are typically earned on purchases made with airline-branded credit cards. Miles can be redeemed for flights on the issuing airline, as well as on partner airlines. Miles can also be used to upgrade your seat or purchase other travel-related expenses.
• Cash back: Cash back is a simple and straightforward type of reward. It is earned on every purchase you make, and can be redeemed for cash or statement credits. Cash back is a good option if you want to save money on your travel expenses or if you don’t want to deal with the hassle of redeeming points or miles.

The value of rewards can vary depending on the credit card issuer and the type of reward. Some cards offer rewards that are worth more than others, so it’s important to compare your options before choosing a card.

When choosing the best business credit card for travel, it’s important to consider the type and value of rewards offered. By understanding the different types of rewards and their value, you can choose the card that will help you save the most money on your travel expenses.

Annual fee

When choosing the best business credit card for travel, it’s important to consider the annual fee. This is the cost of owning the card, and it can range from \$0 to \$500 or more. Annual fees can be a significant expense, so it’s important to weigh the benefits of the card against the cost.

• Offsetting the annual fee: Some cards offer rewards that can offset the annual fee. For example, a card that offers a \$100 annual fee but also offers 2% cash back on all purchases would effectively have no annual fee if you spend \$5,000 per year on the card.
• Premium benefits: Some cards with high annual fees offer premium benefits, such as airport lounge access, travel insurance, and concierge services. These benefits can be valuable for frequent travelers, but they may not be worth the cost for everyone.
• Business expenses: If you plan to use the card for business expenses, you may be able to deduct the annual fee on your taxes. This can help to reduce the cost of the card.
• Budget: It’s important to consider your budget when choosing a business credit card with an annual fee. Make sure that you can afford the annual fee and that the benefits of the card outweigh the cost.

Ultimately, the decision of whether or not to pay an annual fee for a business credit card is a personal one. By considering the factors discussed above, you can make an informed decision about whether or not an annual fee card is right for you.

Interest rate

When choosing the best business credit card for travel, it’s important to consider the interest rate. This is the rate that will be charged on any unpaid balances, so it’s important to choose a card with a low interest rate if you plan on carrying a balance.

Interest rates on business credit cards can vary widely, from 0% to 25% or more. The interest rate you qualify for will depend on your creditworthiness, which is based on factors such as your credit score, income, and debt-to-income ratio.

If you plan on carrying a balance on your business credit card, it’s important to choose a card with a low interest rate. This will help you save money on interest charges and keep your debt under control.

Here are some tips for finding a business credit card with a low interest rate:

• Compare interest rates from multiple lenders.
• Look for cards that offer 0% introductory APRs.
• Consider cards that offer balance transfer offers.
• Negotiate with your lender for a lower interest rate.

By following these tips, you can find a business credit card with a low interest rate that will help you save money and keep your debt under control.

Credit limit

When choosing the best business credit cards for travel, it is important to consider the credit limit. This is the maximum amount of credit that the card issuer will extend to you. A higher credit limit will allow you to make larger purchases and carry a higher balance, but it can also increase your risk of debt.

• Facet 1: Impact on Travel Expenses

  A higher credit limit can be beneficial for business travelers who need to make large purchases, such as booking flights or renting a car. It can also provide peace of mind knowing that you have enough credit available to cover unexpected expenses.

• Facet 2: Impact on Credit Score

  Your credit limit can also impact your credit score. Using a high percentage of your available credit can lower your score, while keeping your balance low can help you maintain a good score. This is because your credit utilization ratio, which is the amount of credit you are using compared to your total available credit, is a factor in calculating your credit score.

• Facet 3: Impact on Interest Charges

  If you carry a balance on your business credit card, a higher credit limit can lead to higher interest charges. This is because you will be charged interest on the entire balance, regardless of how much of your credit limit you are using.

• Facet 4: Impact on Business Growth

  For businesses that are growing rapidly, a higher credit limit can be essential for meeting the increased demand for products or services. It can also provide the flexibility to take advantage of opportunities, such as purchasing new equipment or hiring additional staff.

Ultimately, the best credit limit for you will depend on your individual business needs and financial situation. By considering the factors discussed above, you can make an informed decision about the right credit limit for your business credit card.

Perks

When choosing the best business credit cards for travel, it is important to consider the perks that are offered. These perks can provide valuable benefits that can save you money and make your travel more enjoyable.

• Travel insurance: Travel insurance can protect you from financial losses due to unexpected events such as trip cancellation, lost luggage, or medical emergencies. This can be a valuable benefit for business travelers who frequently travel for work.
• Airport lounge access: Airport lounge access can provide you with a comfortable place to relax and work while waiting for your flight. This can be a valuable benefit for business travelers who have long layovers or who frequently travel on delayed flights.
• Car rental discounts: Some business credit cards offer discounts on car rentals. This can be a valuable benefit for business travelers who frequently rent cars for business purposes.
• Hotel rewards: Some business credit cards offer rewards points that can be redeemed for free hotel stays. This can be a valuable benefit for business travelers who frequently stay in hotels.

The perks that are offered by business credit cards can vary widely, so it is important to compare your options before choosing a card. By considering the perks that are most important to you, you can choose a card that will provide you with the most value.

Foreign transaction fees

When choosing the best business credit cards for travel, it is important to consider the foreign transaction fees that may be charged. These fees can add up quickly, especially if you travel frequently to countries with high foreign transaction fees.

• Facet 1: Impact on Travel Costs

  Foreign transaction fees can significantly increase the cost of your travel. For example, if you are charged a 3% foreign transaction fee on a \$1,000 purchase, you will be charged an additional \$30. This can add up quickly, especially if you are making multiple purchases.

• Facet 2: Hidden Fees

  Foreign transaction fees are often hidden in the fine print of your credit card agreement. This means that you may not be aware of these fees until after you have already made a purchase.

• Facet 3: Impact on Business Expenses

  For businesses that frequently travel internationally, foreign transaction fees can add up to a significant expense. This can eat into your profits and make it more difficult to budget for travel.

• Facet 4: Avoiding Foreign Transaction Fees

  There are a few ways to avoid foreign transaction fees. One option is to use a credit card that does not charge these fees. Another option is to use a currency exchange service to convert your currency before you travel. You can also use a debit card that does not charge foreign transaction fees.

By understanding the impact of foreign transaction fees, you can make informed decisions about how to use your business credit card for travel. By avoiding these fees, you can save money and keep your travel costs under control.

Customer service

When choosing the best business credit cards for travel, it is important to consider the quality and availability of customer service. This is especially important if you are planning on using your card for international travel or if you have any questions or concerns about your account.

• Facet 1: Responsiveness

  The best business credit cards for travel offer responsive customer service. This means that you can get help quickly and easily when you need it. You should be able to reach a customer service representative by phone, email, or chat.

• Facet 2: Knowledge

  The best business credit cards for travel offer knowledgeable customer service. This means that the customer service representatives are able to answer your questions and help you resolve your problems. They should be familiar with the card’s features and benefits, as well as the travel industry.

• Facet 3: Availability

  The best business credit cards for travel offer 24/7 customer service. This is important if you are traveling internationally or if you have a problem with your card after hours. You should be able to reach a customer service representative at any time, day or night.

• Facet 4: Proactive Communication

  The best business credit cards for travel offer proactive communication. This means that the card issuer will contact you if there is a problem with your account or if there is a new offer or promotion that you may be interested in. This can help you stay on top of your account and avoid any potential problems.

By considering the quality and availability of customer service when choosing the best business credit cards for travel, you can ensure that you have the support you need when you need it most.

Mobile app

In today’s digital age, having a mobile app for your business credit card is essential. A well-designed mobile app can make it easy to manage your account, track your spending, and redeem rewards. It can also provide you with access to exclusive offers and discounts.

When choosing the best business credit cards for travel, it is important to consider the functionality and ease of use of the card’s mobile app. Here are a few things to look for:

• Easy account management: The app should make it easy to view your account balance, recent transactions, and statements. You should also be able to make payments and manage your account settings.
• Robust rewards tracking: If you are using a travel rewards credit card, the app should make it easy to track your progress towards earning rewards. You should be able to see how many points or miles you have earned and how close you are to redeeming them.
• Exclusive offers and discounts: Many credit card issuers offer exclusive offers and discounts to their mobile app users. These offers can include discounts on travel, dining, and entertainment.

By considering the functionality and ease of use of the card’s mobile app when choosing the best business credit cards for travel, you can ensure that you have a tool that will help you manage your account, track your spending, and redeem rewards.

Security

When choosing the best business credit cards for travel, it is important to consider the card’s security features. This is especially important if you are planning on using your card for international travel or if you are concerned about fraud.

• Facet 1: Fraud protection

  Fraud protection features can help to protect you from unauthorized use of your card. These features can include zero liability protection, which means that you are not responsible for unauthorized charges made to your card, as well as fraud alerts, which can notify you of suspicious activity on your account.

• Facet 2: Chip technology

  Chip technology is a security feature that makes it more difficult for criminals to counterfeit your card. Chip cards have a small chip embedded in them that stores your card information. When you use a chip card, the chip interacts with the card reader to create a unique transaction code. This code makes it more difficult for criminals to steal your card information and use it to make fraudulent purchases.

• Facet 3: Contactless payment

  Contactless payment is a feature that allows you to make payments without swiping or inserting your card into a card reader. This can be a convenient way to pay for small purchases, but it is important to be aware of the security risks. Contactless payment cards use RFID (radio frequency identification) technology to transmit your card information to the card reader. This means that criminals can potentially steal your card information by using an RFID reader.

• Facet 4: Tokenization

  Tokenization is a security feature that replaces your actual card number with a unique token when you make a purchase. This token is unique to each transaction, making it more difficult for criminals to steal your card information and use it to make fraudulent purchases.

By considering the security features of the card, you can choose a business credit card for travel that will help to protect you from fraud and unauthorized use.

Brand

When choosing the best business credit cards for travel, it is important to consider the brand of the card issuer. The brand of the card issuer can tell you a lot about the quality of the card and the customer service you can expect. A reputable and reliable card issuer is more likely to offer a high-quality card with competitive rewards and benefits. They are also more likely to have a good customer service team that can help you with any problems you may have.

There are many different factors that can affect the reputation of a card issuer. These factors include the issuer’s history, financial stability, and customer satisfaction ratings. It is important to research the card issuer before you apply for a card to make sure that they are a reputable and reliable company.

Here are some of the benefits of choosing a business credit card from a reputable and reliable card issuer:

• You are more likely to get a high-quality card with competitive rewards and benefits.
• You are more likely to have a good customer service experience.
• You are less likely to have problems with fraud or unauthorized use of your card.

Here is a table that compares the reputation and reliability of different card issuers:

As you can see, the reputation and reliability of the card issuer is an important factor to consider when choosing the best business credit cards for travel.

FAQs

This section addresses frequently asked questions regarding the topic of “best business credit cards for travel.”

Question 1: What are the key considerations when choosing a business credit card for travel?

Answer: Key considerations include rewards (points, miles, or cash back), annual fee, interest rate, credit limit, perks (e.g., travel insurance, airport lounge access), foreign transaction fees, customer service, mobile app functionality, and security features.

Question 2: How do I determine the best rewards program for my business travel needs?

Answer: Evaluate the types of rewards offered (points, miles, cash back) and their value in relation to your travel patterns and spending habits. Consider whether you prioritize flexibility, airline or hotel loyalty, or cash savings.

Question 3: What is the impact of foreign transaction fees on my travel expenses?

Answer: Foreign transaction fees can add significant costs to your travel expenses, especially when traveling to countries with high fees. Choose a business credit card with low or no foreign transaction fees to minimize these costs.

Question 4: How can I maximize the value of my travel rewards?

Answer: Maximize rewards by using your card for eligible travel expenses, taking advantage of bonus categories and promotions, and redeeming rewards strategically for maximum value.

Question 5: What security features should I look for in a business credit card for travel?

Answer: Prioritize cards with robust security features such as fraud protection, chip technology, contactless payment with tokenization, and strong customer support for fraud resolution.

Question 6: How do I avoid high interest charges on my business credit card?

Answer: Choose a card with a low interest rate, pay off your balance in full each month, and avoid carrying a balance to minimize interest charges.

Remember, the best business credit card for travel depends on your specific business needs and travel habits. By considering the factors discussed in this FAQ, you can make an informed choice that aligns with your financial goals and travel preferences.

Transition to the next article section: Explore our comprehensive guide to the best business credit cards for travel, where we provide in-depth reviews, comparisons, and expert insights to help you find the perfect card for your business.

Tips for Choosing the Best Business Credit Cards for Travel

When selecting the best business credit cards for travel, consider these tips to optimize your rewards and minimize expenses:

Tip 1: Prioritize Rewards Alignment

Choose a card with rewards that align with your travel patterns. If you frequently fly with specific airlines or stay at certain hotel chains, consider co-branded cards that offer bonus points or elite status perks.

Tip 2: Evaluate Annual Fees and Benefits

Compare annual fees against the value of rewards and benefits offered. Some cards with higher fees provide premium perks such as airport lounge access, travel insurance, and concierge services. Determine if these benefits justify the additional cost.

Tip 3: Consider Foreign Transaction Fees

If you frequently travel internationally, choose a card with low or no foreign transaction fees. These fees can add up and significantly impact your travel expenses.

Tip 4: Maximize Rewards Earning

Maximize rewards by using your card for eligible travel expenses, such as flights, hotels, and rental cars. Take advantage of bonus categories and promotions to earn additional points or miles.

Tip 5: Utilize Travel Perks and Protections

Choose a card that offers travel-related perks, such as airport lounge access, baggage delay insurance, and trip cancellation protection. These perks can enhance your travel experience and provide peace of mind.

Tip 6: Pay Attention to Interest Rates and Fees

Avoid high interest charges by paying off your balance in full each month. Consider cards with low interest rates and minimal fees to minimize your borrowing costs.

Tip 7: Ensure Robust Security Features

Protect your financial information by choosing a card with strong security features, such as fraud protection, chip technology, and contactless payment with tokenization.

By following these tips, you can choose the best business credit cards for travel that meet your specific needs and maximize your travel rewards and benefits.

Transition to the Conclusion: Explore our comprehensive guide to the best business credit cards for travel, where we provide in-depth reviews, comparisons, and expert insights to help you make the most informed decision.

Conclusion

Choosing the best business credit cards for travel requires careful consideration of key factors such as rewards, annual fees, interest rates, and travel perks. By aligning your card selection with your specific business needs and travel habits, you can optimize rewards earning, minimize expenses, and enhance your travel experience.

Remember, the best business credit card for travel is the one that provides the most value for your business. By following the tips and insights outlined in this comprehensive guide, you can make an informed decision that empowers your business travel and maximizes your return on investment.

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