Business travel credit cards earn airline miles, hotel points, or transferable points redeemable for flights, upgrades, and hotel stays. The following cards are organized by type and annual fee tier.
Transferable-points cards
No annual fee
Amex Blue Business Plus — 2x Membership Rewards points (to $50k/yr), then 1x. Transfers to 20+ airline and hotel partners. No foreign transaction fees. Full review →
Under $100 annual fee
Capital One Spark Miles Select ($0 AF) — 1.5x Capital One miles on all purchases; 5x on Cap1 Travel. Transfers to 15+ partners. Full review →
Capital One Spark Miles for Business ($95 AF) — 2x on all; 5x flights, 10x hotels/cars via Cap1 Travel. Transfer to 15+ partners. Global Entry/TSA PreCheck credit. Full review →
Chase Ink Business Preferred ($95 AF) — 3x on travel, shipping, advertising, telecom (to $150k/yr), 1x other. Transfers to United, Hyatt, Southwest, British Airways, Air France-KLM, and others. Subject to Chase 5/24. Full review →
$100–$399 annual fee
U.S. Bank Business Altitude Connect ($95 AF) — 4x on travel, gas, EV charging; 2x dining; 1x other. TSA PreCheck or Global Entry credit. Priority Pass Select. Full review →
Capital One Venture X Business ($395 AF) — 2x all; 5x flights, 10x hotels/cars via Cap1 Travel. $300 travel credit; 10k anniversary miles. Unlimited Priority Pass + Capital One Lounges. Transfer to 15+ airline/hotel partners. Full review →
$400+ annual fee
Amex Business Gold ($375 AF) — 4x on top 2 categories of 6 (incl. airfare), to $150k/yr. $300 annual ChatGPT Business credit (OpenAI direct). 25% Amex Travel points rebate. Transfers to 20+ Membership Rewards partners. Full review →
Chase Sapphire Reserve for Business ($550 AF) — 3x travel and dining; 5x flights, 10x hotels via Chase Travel. $300 auto travel credit. Unlimited Priority Pass. Transfers to Hyatt, United, British Airways, Singapore, and others. Full review →
Amex Business Platinum ($695 AF) — 5x Amex Travel flights/hotels; 1.5x on $5k+ transactions. 35% points rebate on Amex Travel redemptions. $300 annual ChatGPT Business credit (OpenAI direct). Centurion + Priority Pass lounge access. $200 airline fee credit. Full review →
Airline co-brand cards
American Airlines
Citi / AAdvantage Business ($99 AF) — 2x AAdvantage miles on AA and eligible partner purchases; first free checked bag; priority boarding; Admirals Club access day passes. Full review →
Southwest
SW Rapid Rewards Premier Business ($99 AF) — 3x Southwest; 2x hotel/car partners; 1x other. 6,000 anniversary points. Full review →
SW Rapid Rewards Performance Business ($199 AF) — 4x Southwest; 3x Rapid Rewards partners; 2x social/internet; 9,000 annual TQP boost; $500 WiFi credits. Full review →
United Airlines
Chase United Business Card ($99 AF) — 2x United, dining, gas stations, office/transit; 2 United Club one-time passes; first bag free; $100 United credit. Subject to Chase 5/24. Full review →
Chase United Club Business ($450 AF) — 3x United; 1.5x all other. Full United Club membership included. First + second bags free. Full review →
Delta Air Lines
Delta SkyMiles Gold Business ($150 AF) — 2x Delta, restaurants, hotels, gas, transit; first free bag; $200 Delta Stays credit. Full review →
Delta SkyMiles Platinum Business ($250 AF) — 3x Delta; companion certificate; $200 Delta Stays credit; TDM credit. Full review →
Delta SkyMiles Reserve Business ($650 AF) — 3x Delta; Delta Sky Club access (15 visits/yr); first class companion certificate; MQD waiver at $25k spend. Full review →
Hotel co-brand cards
Chase IHG One Rewards Premier Business ($99 AF) — 5x IHG, 3x gas/dining/telecom/travel, 2x other. IHG Platinum Elite status; anniversary free night. Full review →
Chase World of Hyatt Business ($199 AF) — 4x Hyatt properties; 2x select business categories. Globalist, Discoverist, or Explorist bonus tiers monthly. Full review →
Amex Hilton Honors Business ($195 AF) — 12x Hilton; 5x flights/car rentals; 4x restaurants/gas/wireless. Hilton Gold status; annual free weekend night. Full review →
Amex Marriott Bonvoy Business ($125 AF) — 6x Marriott; 4x restaurants/gas/wireless/shipping/airlines; 2x other. Marriott Gold Elite status; annual free night (to 35k pts). Full review →
Choosing a travel card structure
Transferable points vs. co-brand: Transferable point cards (Amex MR, Chase UR, Capital One miles) provide flexibility across multiple carriers and hotels. Co-brand cards maximize earning and benefits within one loyalty program but lock redemptions to that network.
No lounge access below $95 fee: Priority Pass or proprietary lounge access generally requires a card in the $95–$395+ range. For businesses where lounge access is not a priority, the Ink Business Preferred ($95) or Spark Miles ($95) provide the strongest points-per-dollar structure without lounge cost.
Network concentration: Businesses whose principals fly primarily on one airline may find a co-brand card economically denser for that airline’s benefits (free bags, status accelerators, companion certificates) than a general transferable points card.
See also: Premium Business Credit Cards ($300+ AF), Chase Ink Business Cards Compared
