If you run a business and travel often, choosing the best credit card for travel rewards can mean the difference between economy seats and business class—or between paying full price and flying for free. In 2025, several top business credit cards offer excellent point-earning potential, luxury travel perks, and flexible redemption options.
But which one delivers the most value for your specific business needs?
This guide compares the top business travel rewards credit cards—analyzing their bonuses, earning categories, redemption options, and standout features—to help you make the right choice.
What Makes a Business Credit Card Great for Travel Rewards?
The best business travel rewards cards usually include:
- Large welcome bonus (valued at $750+)
- Bonus points on flights, hotels, or general travel
- Lounge access or travel protections
- Point transfer options to airline and hotel partners
- Expense tracking tools for small businesses or teams
Let’s break down the best options available in 2025.
1. Capital One Venture X Business
Best for: Flat-rate earning + premium travel perks
- Welcome Bonus: Up to 150,000 miles after qualifying spend
- Earning Rate: 2x on all purchases
- 5x–10x on flights and hotels booked via Capital One Travel
- Annual Fee: $395
- Travel Perks: Priority Pass + Capital One Lounge access, TSA PreCheck credit
- Redemption: Miles transferable to 15+ airline/hotel partners or redeemable via Capital One Travel at 1 cent/mile
Why It Wins: You earn at least 2x miles on everything, plus higher rewards for travel purchases within Capital One’s portal. If you want simplicity, luxury, and flexible rewards, this is a front-runner.
2. American Express Business Platinum
Best for: Luxury travel benefits and global airline transfers
- Welcome Bonus: Typically 120,000–150,000 Membership Rewards® points
- Earning Rate: 5x on flights and hotels via Amex Travel
- 1.5x on purchases over $5,000
- Annual Fee: $695
- Travel Perks: Amex Centurion Lounges, Delta SkyClub (when flying Delta), Hilton/Marriott Gold status, CLEAR and Global Entry credits
- Redemption: Transfer points to 20+ travel partners or redeem through Amex Travel
Why It Wins: No card offers more luxury travel benefits—but you’ll need to book flights frequently or spend heavily to justify the fee.
3. Chase Ink Business Preferred
Best for: Flexible travel points with a low annual fee
- Welcome Bonus: 100,000 Chase Ultimate Rewards® points after $8,000 in 3 months
- Earning Rate: 3x on travel, shipping, digital ads, and telecom (up to $150,000/year)
- Annual Fee: $95
- Travel Perks: Primary rental car insurance, no foreign transaction fees
- Redemption: 1.25x point value in Chase Travel Portal or 1:1 transfer to United, Southwest, Hyatt, etc.
Why It Wins: Great for small businesses or solo travelers who want value, simplicity, and top-tier point flexibility without high fees.
4. Capital One Spark Miles for Business
Best for: Flat-rate travel rewards with lower annual cost
- Welcome Bonus: 50,000 miles (varies by offer)
- Earning Rate: 2x miles on all purchases
- Annual Fee: $95 (waived first year)
- Travel Perks: TSA PreCheck credit, travel accident insurance
- Redemption: 1:1 transfer to 15+ travel partners or erase travel purchases
Why It Wins: It’s a streamlined version of Venture X for smaller businesses. If you don’t need lounge access but want flat-rate rewards, this is a solid pick.
5. Brex Card
Best for: Startups and automated travel/expense control
- Welcome Bonus: Custom offers based on company profile
- Earning Rate: Up to 7x on rideshare, 4x on travel via Brex portal
- Annual Fee: $0
- Travel Perks: Discounts on AWS, Slack, WeWork; Brex Travel portal
- Redemption: Brex Rewards or point transfers (limited partners)
Why It Wins: For VC-backed startups or remote-first teams, Brex provides modern controls and solid travel earning—without a fee.
Travel Card Comparison Table
| Card | Annual Fee | Rewards Structure | Point Transfers | Best For |
|---|---|---|---|---|
| Capital One Venture X Biz | $395 | 2x all; 5–10x Capital One Travel | Yes | Premium perks + simplicity |
| Amex Business Platinum | $695 | 5x flights/hotels; 1.5x $5K+ spend | Yes | Luxury, lounges, high spenders |
| Chase Ink Biz Preferred | $95 | 3x travel, shipping, ads, telecom | Yes | Small biz, low fee, flexibility |
| Spark Miles for Business | $95 | 2x miles everywhere | Yes | General-purpose rewards |
| Brex Card | $0 | Up to 7x rideshare, 4x travel | Yes (limited) | Startups, tech companies |
Airline and Hotel Transfer Options: Who Wins?
American Express Membership Rewards
- Best transfer partners: Air Canada Aeroplan, ANA, Delta, British Airways, Hilton Honors
- Transfer rate: Typically 1:1
Chase Ultimate Rewards
- Best partners: United, Southwest, JetBlue, Hyatt, Marriott
- Strong value in Chase’s 1.25x travel portal
Capital One Miles
- Partners include: Air France, Turkish Airlines, Emirates, Choice Hotels
- Flexible options + “erase travel” feature
If you’re chasing international business class redemptions, Amex and Chase typically offer more high-value airline partners. Capital One offers ease and flexibility, especially with Capital One Travel.
Key Benefits to Look For in a Travel Rewards Card
Beyond points and miles, check if the card includes:
- Trip Delay/Cancellation Insurance
- Lost Luggage and Rental Car Protection
- Lounge Access (especially if you fly often)
- No Foreign Transaction Fees
- Statement Credits (e.g., Global Entry, airline incidental fees)
- Employee Cards with Spending Controls
These extras can easily offset an annual fee if you travel more than a few times per year.
Which Card Is Right for You?
Choose Capital One Venture X Business if:
- You want flat-rate rewards
- You book travel through a portal
- You need lounge access and TSA credit
Choose Amex Business Platinum if:
- You fly business class regularly
- You value elite status and concierge service
- You can use all the travel credits
Choose Chase Ink Business Preferred if:
- You want flexible rewards without high fees
- You already use Chase personal cards
- You redeem through Chase Travel or transfer to partners
Choose Spark Miles if:
- You want simplicity
- You don’t use travel lounges
- You want easy point redemption for flights and hotels
Choose Brex if:
- You’re a startup or remote-first company
- You value integrated travel/expense tools
- You want to earn without an annual fee
Final Thoughts
The best business credit card for travel rewards depends entirely on your spending habits, travel frequency, and how you prefer to redeem points.
- For maximum perks and transfer value, go with Amex Business Platinum
- For best all-around simplicity + rewards, choose Venture X Business
- For flexible value on a budget, Chase Ink Preferred is hard to beat
In 2025, it’s not just about racking up points. It’s about choosing a travel card that complements your business, simplifies accounting, and gives you access to the kind of travel experiences that move your company forward.