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Best Credit Card Offers

February 2024.

Every month we share what we believe are the top credit card offers on the market according to the 10xT staff. Today we are going to take a look at the best credit card offers for the month.

We rank these offers by looking at their welcome offers or signup bonuses, cardholder perks, ongoing value, and any fees they may charge. And while the best offer for you will vary depending on a number of factors, we rank the top offers based on the order in which we think they should be considered by the average person.

We divide these top credit offers in to two lists, one for those of you who are over 5/24 and one for those of you who are under.

You can also view our favorite card choices by category by seeing our favorite picks for airline credit cards , hotel credit cards , travel credit cards , cash back credit cards , and business cards .

10xTravel is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Editors Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

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Best Credit Cards Under 5/24

Chase Sapphire Preferred

1. Chase Sapphire Preferred® Card

Current offer.

Chase Ultimate Rewards® Points

after you spend $4,000 on purchases in the first 3 months of account opening.

Annual Fee:

Terms Apply.

How to Earn Points

5X points on travel booked through the Chase Ultimate Rewards®

3X Ultimate Rewards points on restaurants, select streaming services, and online groceries (excluding Target, Walmart, and wholesale clubs). Note this also excludes in-store grocery purchases.

2X Ultimate Rewards points on all other travel purchases outside of the Chase Ultimate Rewards® and 1X Ultimate Rewards® points on all other spending

1 point per dollar spent on all other purchases.

10% Ultimate Rewards point bonus annually based on your card spending, earned after you renew and pay your annual fee

10xT Thoughts

The Chase Sapphire Preferred® Card is our top choice because of its amazing signup bonus, reasonable annual fee, and the amazing value of the points it earns. If you're looking for your first travel credit card look no further than Chase Sapphire Preferred.

Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.

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2. Chase Ink Business Preferred® Credit Card

Chase Ultimate Rewards Points®

after you spend $8,000 on purchases in the first 3 months after account opening

Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, and on advertising purchases made with social media sites and search engines each account anniversary year.

Earn 1 point per $1 on all other purchases, with no limit.

The Chase Ink Preferred® Credit Card earns the exact same points as the Chase Sapphire Preferred® Card and the Chase Sapphire Reserve®. It comes with an 100,000 point bonus, the highest of all the UR cards. Ink Preferred is a business card, but you don’t need to own a “traditional business” to qualify for the card. Email [email protected] if you have any questions about your particular situation.

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3. Chase Ink Business Cash® Credit Card

bonus cash back

after you spend $6,000 in 3 months

Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year.

Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.

Earn 1% cash back on all other purchases, with no limit on how much you can earn

The Chase Ink Business Cash® Credit Card comes with a 75,000 point signup bonus that is often marketed as “$750 cash”. Note that if you have another Chase Ultimate Rewards card you can combine these points to be used for travel.

Chase Ink Unlimited Card Art

4. Chase Ink Business Unlimited® Credit Card

Earn unlimited 1.5% Cash Back rewards on every purchase

The Chase Ink Business Unlimited® Credit Card comes with a 75,000 point signup bonus that is marketed as “$750 cash”. These points can be used for higher value travel redemptions if you have another Chase Ultimate Rewards card.

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5. United℠ Business Card

Bonus Miles

after you spend $5,000 on purchases in the first 3 months your account is open.

2 miles per $1 spent on United® purchases, gas stations, office supplies and dining (including eligible delivery services)

2 miles per $1 spent on local transit and commuting

1 mile per $1 on everything else.

Overall a good option for business owners who are loyal to United Airlines thanks to a reasonable annual fee and great perks. Note that you are not eligible for this card if you have received a bonus on the United℠ Business Card in the past 24 months.

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6. IHG One Rewards Premier Business Credit Card

Bonus Points

after spending $3,000 on purchases in the first 3 months from account opening.

Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts

Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants

Earn 3 points per $1 spent on all other purchases

This card presents an opportunity for loyal IHG travelers who are business owners to earn points and receive additional perks related to IHG, all for a relatively low annual fee when compared to other comparable card offers. Though the points earned from this card would be considered to be less flexible than some other options, it is still well worth considering for anyone who is eligible to get it.

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7. IHG One Rewards Premier Credit Card

Limited time offer 165,000.

bonus points

Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts

Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants.

Earn 3 points per $1 spent on all other purchases.

One of the better co-brand hotel cards on the market, that comes with an opportunity to earn a good stash of IHG points.

Chase Sapphire Reserve

8. Chase Sapphire Reserve®

after you spend $4,000 in 3 months

Earn 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® after spending $300 on travel each year.

Earn 10x total points on Chase Dining purchases through Chase Ultimate Rewards when you make prepaid restaurant reservations, order takeout or join virtual cooking events.

Earn 5X total points on flights when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually.

Earn 3x points on other travel worldwide, after the first $300 is spent on travel purchases annually.

Earn 3X points on dining at restaurants including eligible delivery services, takeout and dining out.

Earn 1 point per $1 spent on all other purchases

Chase Sapphire Reserve® is widely regarded as the best premium travel credit card on the market. The annual fee is steep, but the benefits of this card are fantastic. Remember that the card comes with a $300 annual travel credit, which makes the fee much easier to justify.

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9. Southwest® Rapid Rewards® Performance Business Credit Card

after you spend $5,000 on purchases in the first 3 months from account opening

Earn 4x points on all Southwest® purchases

Earn 3X points on Rapid Rewards® hotel and car rental partners

Earn 2x points on social media and search engine advertising spend

Earn 2x points on all internet, cable and phone spend

Earn 2x points on rideshare

The Southwest Rapid Rewards® Performance Business card is a great grab for anyone who can qualify. Note that this card does not currently exclude Southwest Rapid Rewards Priority Business Card holders from getting it.

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10. United Club℠ Infinite Card

4 miles per $1 spent on purchases from United®, including tickets, Economy Plus®, inflight food, beverages and Wi-Fi, and other United charges

2 miles per $1 spent on all other travel purchases.

2 miles per $1 spent on dining including eligible delivery services.

Enjoy membership to the United Club. Earn 4 miles per $1 spent on United purchases, 2 miles per $1 spent on all other travel and dining and 1 mile per $1 spent on all other purchases.

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11. United Quest℠ Card

plus 500 Premier Qualifying Points after you spend $4,000 on purchases in the first 3 months your account is open.

Earn 3X miles on United® purchases, immediately after earning your $125 annual United purchase credit

Earn 2X miles on all other travel

Earn 2x miles on dining including eligible delivery services and select streaming services

On all other purchases

The Chase United Quest℠ Card is a good card for those of you looking for a good card to hold long-term. If you fly United often, some of the perks easily help offset the annual fee. But if you’re more likely to use the points for Star Alliance partner flights then you’re still getting a nice bonus for a relatively modest annual fee.

United Explorer Card

12. United℠ Explorer Card

after you spend $3,000 on purchases in the first 3 months your account is open.

$95 $0 for your first year, then $95.

2 miles per $1 spent on dining including eligible delivery services

2 miles per $1 spent on hotel stays

2 miles per $1 spent on purchases from United®, including tickets, Economy Plus®, inflight food, beverages and Wi-Fi, and other United charges.

Overall a very typical airline co-brand credit card, the United Explorer comes with one free checked bag when flying United (must purchase the flight with the card), 2x miles on United purchases, 25% in-flight savings, and a nice bonus of United miles.

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13. Southwest® Rapid Rewards® Premier Business Credit Card

after you spend $3,000 on purchases in the first 3 months from account opening.

Earn 3x points on all Southwest Airlines® purchases

Earn 2x points on Rapid Rewards® hotel and car rental partners.

Earn 2x points on rideshares

Earn 1x points on all other purchases

An excellent choice for business owners who frequently travel on Southwest. This card is often paired with one of the personal Southwest cards to earn the coveted Southwest Companion Pass.

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14. World of Hyatt Business Credit Card

after spending $5,000 on purchases within the first three months from account opening. Additionally, earn 15K Bonus Points after you spend $12,000 in the first 6 months.

9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member

2X Points per $1 spent in your top three spend categories each quarter through 12/31/24, then your top two categories each quarter. Eligible categories are dining, shipping, airline tickets when purchases directly with the airline, local transit & commuting, social media & search engine advertising, car rental agencies, and gas stations

per $1 spent at fitness clubs and gym memberships

per $1 spent on all other purchases

The World of Hyatt Business Credit Card is a great option for business owners who are looking to earn rewards and perks with Hyatt. This card has a reasonable annual fee and comes with a handful of perks and credits that should more than justify that fee for most cardholders.

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15. Southwest Rapid Rewards® Plus Credit Card

Limited-time offer: earn companion pass® good through 2/28/25 plus 30,000.

after spending $4,000 on purchases in the first 3 months from account opening.

Earn 2x points on all Southwest® purchases

Earn 2x points on local transit and commuting, rideshares, internet, cable, and phone services; select streaming.

The Southwest Rapid Rewards® Plus Credit Card is one of three personal Southwest credit cards offered by Chase. Note that you can only get one of the three at a time, and are only eligible for the bonus if you have not had another Southwest personal card bonus in the last 24 months. The Southwest Plus card has the lowest annual fee of the 3.

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16. Southwest Rapid Rewards® Premier Credit Card

Earn 3x points on all Southwest® purchases

Earn 2x points on local transit and commuting, including rideshares, internet, cable, and phone services; select streaming.services

The Southwest Rapid Rewards® Premier Credit Card is one of three personal Southwest credit cards offered by Chase. Note that you can only get one of the three at a time, and are only eligible for the bonus if you have not had another Southwest personal card bonus in the last 24 months.

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17. Southwest Rapid Rewards® Priority Credit Card

The Southwest Rapid Rewards® Priority Credit Card is one of three personal Southwest credit cards offered by Chase. The Priority card has the highest annual fee of the 3 and the best overall perks. Note that you can only get one of the three at a time, and are only eligible for the bonus if you have not had another Southwest personal card bonus in the last 24 months.

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18. Marriott Bonvoy Boundless® Credit Card

Limited time offer earn 5 free night awards.

(each night valued up to 50,000 points)

after you spend $5,000 on purchases in your first 3 months from your account opening

Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card

Earn 3 Bonvoy points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.

Earn 2 bonus points per $1 on all other purchases

The Marriott Bonvoy Boundless® Credit Card card is one of the better hotel cards on the market thanks to its generous signup bonus and annual free night certificate. Keep in mind that you are not eligible to receive this bonus if you have received a bonus on another Marriott Bonvoy branded credit card in the last 24 months.

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19. British Airways Visa Signature® Card

Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening.

Earn 3 Avios for every $1 spent on purchases with British Airways, Aer Lingus, Iberia and LEVEL.

Earn 2 Avios for every $1 spent on hotel accommodations when booked directly with the hotel.

Earn 1 Avios for every $1 spent on everything else.

The play with British Airways miles is to use them for short distance flights on American Airlines and other OneWorld carriers. British Airways uses a distance-based award chart, meaning you can find some flights for as little as 7,500 miles each way.

A recent example of my own; I was able to book a business class ticket from Capetown to Johannesburg (cash price ~$800) for just 12,750 Avios and ~$100 in taxes and fees.

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20. Aer Lingus Visa Signature® Card

Bonus Avios

Earn 75,000 Avios after you spend $5,000 on purchases in the first three months of account opening.

Earn 3 Avios per $1 spent on flight purchases made directly with Aer Lingus, British Airways, Iberia, and Level.

Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel.

Earn 1 Avios per $1 spent on all other purchases.

A typical airline co-brand card, but with a twist. Aer Lingus is an international carrier so the perks of this card won't be all that valuable to most U.S. residents. Note that the Avios used on this card can also be easily redeemed with British Airways and Iberia.

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21. Iberia Visa Signature® Card

Earn 3 Avios per $1 spent on purchases with Iberia, British Airways, Aer Lingus, and Level.

A typical cobrand airline card, decent for anyone who is looking to earn Iberia miles though these are a less popular option than most US-based airline miles.

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22. Ink Business Premier℠ Credit Card

after you spend $10,000 on purchases in the first 3 months from account opening.

Earn unlimited 5% total cash back on travel purchased through Chase Travel℠

Earn unlimited 2.5% total cash back on purchases of $5,000 or more.

Unlimited 2% cash back on all other business purchases

A premium cash back business card for Chase. It's good if you're looking to earn some cash back, but doesn't offer the ability to earn points that you can transfer to partners.

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23. Aeroplan® Credit Card

after you spend $3,000 on purchases in the first 3 months

Earn 3X points for every dollar spent on grocery stores.

Earn 3X points for every dollar spent dining at restaurants

Earn 3X points for every dollar spent at Air Canada directly.

Earn 1X point for each dollar spent on all other purchases.

500 Bonus Points

Earn 500 bonus points for every $2,000 you spend in a calendar month - up to 1,500 points per month

The new Aeroplan® Credit Card is a good card for those looking to earn more miles to fly Star Alliance partners.

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24. The World of Hyatt Credit Card

Last chance: up to 65,000.

Total Bonus Points

Earn 35,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent. Offer ends 3/6/2024

Bonus Points per $1 spent with Hyatt. Earn 4X bonus points from the card and 5 base points as a World of Hyatt member.

Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airline, local transit and commuting as well as fitness club and gym memberships.

Earn 1 Bonus Point per $1 on everything else, 2X in the first 6 months up to the first $15,000 spent.

This bonus of up to 65,000 points can score you nearly two free nights at the some of the best Hyatt properties in the world, and even more free nights at lower end properties. This card also earns 9 points per $1 spent at Hyatt (4X bonus points from the card, and 5X base points for being a World of Hyatt Member), 2 points per $1 on dining and airfare purchased directly with airlines, 2 points per $1 spent on gym and health club memberships, and 1 point per $1 on everything else.

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25. IHG One Rewards Traveler Credit Card

Limited time offer 100,000.

after spending $2,000 on purchases within the first 3 months of account opening.

Earn up to 17 total points per $1 spent when you stay at IHG Hotels & Resorts

Earn 3 points per $1 spent on purchases on monthly bills, at gas stations, and restaurants

Earn 2 points per $1 spent on all other purchases

A pretty straightforward hotel co-brand card offers few perks but also does not have an annual fee. An OK choice for anyone who spends a significant amount of money at IHG properties.

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26. Marriott Bonvoy Bold® Credit Card

after you spend $1,000 on your first 3 months

Earn up to 14X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Bold® Card

Earn 1x Bonvoy points on all other purchases

A no-fee Marriott Bonvoy card good for budget-conscious travelers looking to earn Bonvoy points.

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27. Chase Freedom Unlimited®

Earn an additional 1.5% cash back on everything you buy

(on up to $20,000 spent in the first year) - worth up to $300 cash back!

Earn 5% on travel purchased through Chase Ultimate Rewards®

Earn 3% on dining at restaurants, including takeout and eligible delivery services.

Earn 3% on drugstore purchases.

Earn 1.5% on all other purchases

The Chase Freedom Unlimited® is a fantastic cash back card with excellent spending categories and no annual fee. Ideally you pair this with a Chase Sapphire card so your points can be used for higher value travel redemptions.

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28. Chase Freedom Flex℠

after you spend $500 on purchases in your first 3 months from account opening

Earn 5% cash back on up to $1,500 in combined purchases in bonus categories, which rotate each quarter (must activate)

Earn 5% back on travel purchased through Chase Ultimate Rewards®

Earn 3% back on dining at restaurants, including takeout and eligible deliver services, and drugstore purchases

Earn 1% back on all other purchases

A fantastic new card from Chase mainly due to the incredible bonus categories. Keep in mind that you can combine these points with other Chase Ultimate Rewards to be used with transfer partners and booking travel through the Chase portal.

Best Credit Cards Above 5/24

10x travel chase business cards

1. Capital One Venture Rewards Credit Card

after you spend $4,000 on purchases within 3 months from account opening.

on hotels and rental cars booked through Capital One Travel

miles on all purchases

The Capital One Venture Rewards Credit Card is one of the most well-known cards in the travel space. Capital One recently introduced more than a dozen transfer partners, including Air Canada, Air France, Etihad, and Cathay Pacific. Points transfer to...

Capital One Venture X Rewards Credit Card

2. Capital One Venture X Rewards Credit Card

Venture Miles

after you spend $4,000 in purchases in the first 3 months.

On hotels and rental cars booked through Capital One Travel

On flights booked through Capital One Travel

There’s a lot to love about the Capital One Venture X Rewards Credit Card. Sure, it might be a glorified Capital One Venture Rewards Card, but it has some compelling credits to help justify it over its little brother. You...

10x travel chase business cards

3. Citi Premier® Card

Citi ThankYou Points

after making $4,000 in purchases with your card within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.

Earn 3x points at Restaurants

Earn 3x points at Supermarkets

Earn 3x points at Gas Stations

Earn 3x points at Air Travel and Other Hotels

The Citi Premier is one of the better (and most misunderstood) travel cards on the market. This card is basically Citi’s version of the  Chase Sapphire Preferred® Card. The ThankYou Points can either be used to book travel (airfare, hotels, etc.)...

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4. American Express® Gold Card

Membership Rewards® Points

after you spend $6,000 on eligible purchases with your new Card within the first 6 months. Terms apply.

Terms Apply. | Rates & Fees.

4x at restaurants, plus takeout and delivery in the U.S.

4x at U.S. supermarkets, on up to $25,000 per calendar year in purchases, then 1X

3x for flights booked directly with airlines or on amextravel.com

1x on other eligible purchases

The American Express® Gold Card shoots up the rankings this month thanks to an elevated welcome bonus! This is the highest welcome bonus we have seen on this card (publicly, anyway) for quite some time. Terms apply. Rates and fees....

The Platinum Card from American Express

5. The Platinum Card® from American Express

after you spend $8,000 on purchases in your first 6 months of Card Membership.

Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel on up to $500,000 on these purchases per calendar year (1x thereafter).

5X Membership Rewards® Points on prepaid hotels booked on amextravel.com.

Earn 1x Membership Rewards® Points on all other purchases.

Like the Chase Sapphire Reserve®, the Platinum Card from American Express is another example of a high-annual fee card that comes with a ton of great benefits. You will also want to check the Card Match tool to see if you are...

The Business Platinum Card from American Express

6. The Business Platinum Card® from American Express

after you spend $15,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership

Earn Membership Rewards® Points on flights and prepaid hotels on amextravel.com

Earn 1.5X points (that's an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year

Earn 1x Membership Rewards® Points on eligible purchases

The Business Platinum Card® by American Express is one of the premier business cards on the entire market, and for good reason. The card is currently offering a generous 120,000 point welcome offer, though many readers are able to find...

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7. American Express® Business Gold Card

after spending $10,000 in the first 3 months. Terms apply.

Earn 4X points in the 2 select categories where you spend the most each month on the first $150,000 in combined purchases categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.

Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.

The real benefit of the American Express® Business Gold Card is the the fact that you earn 4x points on the two categories with the highest spending each month, automatically. These categories include U.S. purchases for advertising, U.S. gas stations,...

capital one venture x business

8. Capital One Venture X Business

Earn up to 300,000.

150,000 miles once you spend $20,000 in the first 3 months, and an additional 150,000 miles once you spend $100,000 in the first 6 months

Earn 10X on hotels and rental cars booked through Capital One Travel

Earn 5X on flights booked through Capital One Travel

Earn 2X miles on every purchase

Capital One has recently made its Venture X Business card available to the public, following its initial limited release through relationship managers. The card, formerly known as the Spark Travel Elite, offers an impressive welcome bonus of 150,000 Venture Miles...

Hilton Honors American Express Aspire Card

9. Hilton Honors American Express Aspire Card

after you spend $6,000 in the first 6 months. All information about The Hilton Honors American Express Aspire Card has been collected independently by 10xTravel. The Hilton Honors American Express Aspire is no longer available through 10xTravel.

Points per $1 spent on Hilton purchases

Points per $1 spent on eligible airfare, car rentals, and U.S. restaurants

Points per $1 on all other purchases

A great choice for frequent Hilton customers thanks to the 14x points at Hilton properties, Hilton Diamond Status, resort credits and more. Note that this card has a $550 annual fee though.

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10. Marriott Bonvoy Business® American Express® Card

Limited time offer: earn five free night awards.

after you use your new Card to make $8,000 in eligible purchases within the first 6 months of Card Membership. Redemption level up to 50,000 Marriott Bonvoy® points for each bonus Free Night Award, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Offer Ends 3/20/24.

Earn 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.

Earn 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.

Earn 2X points on all other eligible purchases.

Easily the best business card for die-hard Marriott loyalists, the Marriott Bonvoy Business American Express card comes with a handful of benefits for a reasonable annual fee.  

Marriott Bonvoy Brilliant American Express Card

11. Marriott Bonvoy Brilliant® American Express® Card

Earn 95,000.

Marriott Bonvoy bonus points

after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.

Points for eligible purchases at hotels participating in Marriott Bonvoy® program

Points at restaurants worldwide and on flights booked directly with airlines

Points for every $1 spent on all other eligible purchases

This is still the best premium card option for loyal Marriott guests looking for card perks and a decent bonus, and included Platinum Elite status. These points can be used to book Marriott stays or transferred to 20+ airlines at...

The Hilton Honors American Express Business Card

12. The Hilton Honors American Express Business Card

Hilton Honors Bonus Points

after you spend $3,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership.

12X directly with hotels and resorts in the Hilton portfolio

Earn 6X at US gas stations, U.S. purchases for shipping, on wireless telephone services purchased directly from U.S. service providers

Earn 6X points on flights booked directly with airlines or with Amex Travel

Earn 6X on car rentals booked directly from select car rental companies

Earn 6X at U.S. restaurants

Earn 3X on all other eligible purchases.

A great choice for business owners who find themselves staying at Hilton properties on a regular basis. This card earns 12x points on spend at Hilton properties and also comes with complimentary Hilton Honors™ Gold Status. All for a reasonable...

Hilton Honors American Express Surpass Card

13. Hilton Honors American Express Surpass® Card

after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership.

Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio

Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations

Earn 4X Points for each dollar on U.S. Online Retail Purchases.

Earn 3X Points for all other eligible purchases on your Card

Overall this card is great when compared to other Hilton offers but in the middle of the pack in the world of hotel cards. Remember, these are Hilton points we are talking about so don’t get too excited by the...

10x travel chase business cards

14. Marriott Bonvoy Bevy™ American Express® Card

Marriott Bonvoy® bonus points

after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership.

Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy.

Earn 4X points at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2X points).

This brand new mid-tier Marriott Bonvoy credit card is great if you’re a Marriott loyalist, but don’t want to pay the steep annual fee of a more expensive card. For a lower annual fee you’ll have access to some good...

10x travel chase business cards

15. Alaska Airlines Visa® Business Card

Bonus Miles plus Alaska’s Famous Companion Fare™ ($99 fare plus taxes and fees from $23)

after you spend $3,000 in the first 90 days

Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases

The business version of the Alaska card, provided by Bank of America. Alaska miles are often used to book premium cabin travel on Cathay Pacific.

10x travel chase business cards

16. CitiBusiness® / AAdvantage® Platinum Select® World Elite Mastercard®

bonus miles

after $4,000 in purchases within the first 4 months of account opening.

$99 $0 for your first year, then $99.

Earn 2 miles for every $1 spent on cable and satellite providers

Earn 2 miles for every $1 spent on eligible American Airlines purchases

Earn 2 miles for every $1 spent at gas stations

Earn 2 miles for every $1 spent on select telecommunications merchants

Earn 2 miles for every $1 spent on car rentals

Earn 1 mile for every $1 spent on other purchases

A very typical co-brand business credit card, the CitiBusiness / AAdvantage Platinum Select Elite MasterCard comes with the usual perks of free checked bags, preferred boarding, etc. A good grab for loyal AA travelers.

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17. AAdvantage® Aviator® Red World Elite Mastercard®

AAdvantage Bonus Miles

after making your first purchase and paying the $99 annual fee in full, both within the first 90 days.

AAdvantage Miles for every $1 spent with AA

AAdvantage Miles on all other purchases

The Barclays Aviator Card is one of two American Airlines branded cards (the other is issued by Citi). Both are very similar, and are very typical for a co-branded airline credit card. The recent launch of the AA web specials...

Citi AAdvantage Platinum Elite Card Image

18. Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

American Airlines AAdvantage® bonus miles

after spending $2,500 within the first 3 months of account opening.

Earn 2 miles for every $1 spent at restaurants and gas stations

Perhaps the most popular American Airlines branded card, the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® comes with priority boarding, free checked bag, savings on in-flight purchases, and a nice bonus for new card holders.

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19. Capital One Spark Miles for Business

after you spend $4,500 in the first 3 months

Miles on every purchase

Miles on hotel and rental car bookings made through Capital One Travel

Spark Miles is basically the business version of the Capital One Venture. The two cards earn the same exact points, which can be redeemed to do the exact same things. The points can transfer to a handful of airline partners...

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20. Wyndham Rewards Earner® Plus Card

bonus points, enough for up to 6 free nights

after spending $1,000 on purchases in the first 90 days.

Earn 6 points per $1 spent on eligible purchases made at Hotels by Wyndham as well as on qualifying gas purchases.

Earn 4 points per $1 spent on eligible dining and grocery store purchases (excluding Target® and Walmart®).

Earn 1 point per $1 spent on all other purchases (excluding Wyndham Timeshare resort down payments). That means paying bills, buying home office supplies, car repairs, and more are earning you your next great vacation!

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21. Capital One Spark Cash Plus

Earn up to $3,000.

$1,500 once you spend $20,000 in the first 3 months, and an additional $1,500 once you spend $100,000 in the first 6 months.

Cash Back on every purchase

Perhaps the best cash back card on the market for business owners thanks to a hefty bonus and great ongoing spend earnings. Business owners can use this card to earn a flat 2% cash back on every purchase with no...

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22. Hilton Honors American Express Card

after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership.

Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels or resorts within the Hilton portfolio.

Earn 5X Points for each dollar of eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.

Earn 3X Points for all other eligible purchases on your Card.

A very basic, no-fee Hilton card that comes with a handful of perks valuable to loyal Hilton travelers.

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23. Wyndham Rewards Earner® Card

bonus points, enough for up to 4 free nights

Earn 5 points per $1 spent on eligible purchases made at Hotels by Wyndham as well as on qualifying gas purchases.

Earn 2 points per $1 spent on eligible dining and grocery store purchases (excluding Target® and Walmart®).

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24. American Express® Green Card

after you spend $3,000 on purchases on your new Card in your first 6 months of Card Membership. All information about the American Express® Green Card has been collected independently by 10xTravel.

Membership Rewards® points on travel including airfare, hotels, cruises, tours, car rentals, campgrounds, and vacation rentals.

Membership Rewards® Points on transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways.

Membership Rewards® points on eligible purchases at restaurants worldwide, including takeout and delivery in the US.

Membership Rewards® points on all other transactions.

A good option for anyone looking to earn valuable American Express Membership Rewards Points without paying the larger annual fees on cards like the Platinum Card from American Express or the American Express Gold Card. This card is loaded with...

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25. JetBlue Plus Card

After you spend $1,000 and pay the annual fee in full in 90 days.

Points per $1 spent on JetBlue purchases

Points per $1 spent at restaurants on grocery stores

Points per $1 spent on everything else

JetBlue’s cobranded credit card, issued by Barclays. Overall its an ok offer for loyal JetBlue customers but keep in mind that JetBlue does not service large portions of the USA and flies very few international routes. The spending rewards on...

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26. Alaska Airlines Visa Signature® Card

Bonus Miles plus Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23)

Points per $1 spent on Alaska Airlines purchases

Earn 2x miles for every $1 spent on eligible gas, EV charging station, local transit, rideshare, cable and select streaming services

A great airline card for loyal Alaska Airlines customers, the Alaska Airlines Visa Signature card offers free checked bags, in-flight savings, and a generous welcome bonus. This card is affiliated with Bank of America.

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27. Delta SkyMiles® Reserve Business American Express Card

Earn 110,000.

after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 3/27/24.

Miles per $1 on Delta purchases.

Earn 1.5X miles on eligible transit, U.S. shipping, and U.S. office supply store purchases, plus all eligible purchases after you spend $150,000 in purchases on your Card in a year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply

Miles per $1 spent on all else

High fee, high perk credit card for business owners who frequently travel with Delta. This is one of a handful of Delta co-brand cards that were recently revamped by American Express.

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28. Delta SkyMiles® Platinum Business American Express Card

Earn 100,000.

after spending $8,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 3/27/24.

Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta.

Earn 3 Miles on every eligible dollar spent on purchases made directly with hotels.

Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.

Earn 1 Mile on every eligible dollar spent on other purchases.

Very typical business co-brand airline credit card but with a slant toward premium travelers. Free checked bags, 3x points on purchases with the airline, etc. Right now this card has generous welcome offer that is enough to encourage just about...

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29. Delta SkyMiles® Gold Business American Express Card

Earn 80,000.

after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 3/27/24.

$150 $0 for your first year, then $150.

Earn 2x miles on Delta purchases.

Earn 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year.

Earn 2x miles on every eligible dollar spent at restaurants.

Earn 1x miles back on all other purchases

A very typical co-brand business card, the Delta SkyMiles Gold Business American Express Card comes with a modest annual fee (that is waived for the first year) as well as priority boarding and your first checked bag free. Overall this...

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30. Delta SkyMiles® Reserve American Express Card

after you spend $6,000 in purchases on your new Card in your first 6 months.

Earn 3X Miles on Delta purchases.

Earn 1X Mile on all other eligible purchases.

This is the most premium Delta co-brand credit card, coming with a hefty annual fee but a long list of benefits as well. This card gives you free limited access to Delta Sky Clubs when flying Delta and also free...

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31. Delta SkyMiles® Platinum American Express Card

after you spend $4,000 in purchases on your new Card in your first 6 months.

Earn 3X Miles on Delta purchases and purchases made directly with hotels.

Earn 2X Miles at restaurants worldwide, including takeout and delivery in the U.S., and at U.S. supermarkets.

Earn 1X Miles on all other eligible purchases.

American Express recently refreshed all of their Delta card products, including the Delta SkyMiles Platinum Card. This is the more expensive version of this popular co-brand card that comes with a handful of perks to justify the higher annual fee....

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32. Delta SkyMiles® Gold American Express Card

after you spend $3,000 in purchases on your new Card in your first 6 months.

Earn 2x miles on Delta purchases

Earn 2x miles on restaurants worldwide, including takeout and delivery in the U.S

Earn 2x miles at U.S. supermarkets

Earn 1x miles back on all other eligible purchases

This is one of the most popular airline credit cards on the market. It’s very difficult to tell you the value of this card bonus due to the unpredictability of Delta’s award redemptions. Delta does not have an award chart...

U.S. Bank Altitude Reserve Visa Infinite Card

33. U.S. Bank Altitude® Reserve Visa Infinite® Card

after you spend $4,500 in the first 90 days

Points per $1 spent on prepaid hotels and car rentals, booked directly in the Altitude Rewards Center

Points per $1 spent on eligible travel purchases and mobile wallet spending

Points per $1 spent on all other purchases

First thing to know: You have to be a U.S. Bank Customer to get this card. Which eliminates it for a lot of people. U.S. Bank’s Premium travel credit card, the Altitude Reserve comes with a handful of great perks...

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34. The Blue Business® Plus Credit Card from American Express

Membership Rewards®

after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership

Earn 2X Membership Rewards® points on everyday business purchases regardless of category, up to $50,000 in spend per year

Earn 1x on all purchases after that

A great everyday spender for business owners because of its 2x earning rate on all purchases up to $50,000 annually (1x thereafter). Ideal for non category spending to fill in the “gaps” left by other popular business credit cards

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35. Capital One VentureOne Rewards Credit Card

after you spend $500 in the first 3 months

Miles per $1 spent on every purchase

This is the no-fee version of the popular Capital One Venture Card. Points are worth 1 cent each, making this bonus worth $200 toward travel. This card is ideal for those with lower monthly spending who can’t justify paying an...

Travel Rewards Credit Cards

Frequently Asked Questions

Which is the best rewards credit card?

While it may not be the one you’re hoping for, the answer is “it depends.” There are numerous factors that can go into choosing a credit card, including your spending habits, your travel goals and even where you live, so the best option for you could differ completely from the best option for someone else. Here are a few things to keep in mind that can help you make your selection:

Business vs. personal: What will the purpose of your credit card be? Are you looking for something to use for personal expenses or for business purchases? Business credit cards are tailored to suit business owners, with bonuses on categories associated with running a business and perks to match. Personal credit cards, on the other hand, can be more rewarding for everyday purchases.

Your credit score: Before you dive into your research, it’s important to know your credit score so that you have an idea of what types of cards you might reasonably expect to get approved for. While the top rewards cards typically require stellar scores, there’s a range of great options out there no matter where your score currently stands. Using your new card responsibly can also help bolster your credit score, so you may be able to aim higher next time around.

Reward type: Are you looking for cash back that will go straight into your pocket? Trying to collect frequent flier miles to use with your favorite airline? Or are you interested in diving a bit deeper and focusing on transferable points that can unlock aspirational travel experiences? Deciding what you want to earn—and how much effort you want to put into redeeming your rewards for maximum value—is crucial to narrowing down the field.  

Bonus categories: Generally speaking, you’ll want to look for a card that earns bonus rewards on categories where you spend the most money. Foodies might be interested in cards that earn extra points or cash back at restaurants or grocery stores, for example, while van lifers may want to net bonus points on gas. No matter where most of your money goes, you’re likely to find a card (or cards) that will reward you on some of your top categories.

Other benefits: It’s not all about earning, though. The great thing about rewards credit cards is that many of them come with an array of other perks, which can include lounge access, hotel status or credits to use on everything from airline fees to food delivery. If you find a card has benefits that can save you money—and you know you can put them to good use—that may be reason enough to apply.

Annual fee: Of course, those benefits don’t (always) come free. For the most part, the most souped up cards also carry the highest annual fees. But that’s not to say there aren’t plenty of great cards out there with reasonable fees (or no fees at all!). And it’s also not to say that the high-priced cards can’t be well worth the money. It all depends on how much value you’ll get from the card and what you’re willing to pay for it.

Will taking out a rewards credit card hurt my credit score?

When used responsibly, credit cards actually help, rather than hurt, your credit score. Demonstrating over time that you can consistently make on-time payments is a great way to signal to lenders that you’re trustworthy and responsible.

That said, your credit score will see a temporary ding whenever you apply for a new card. Before you do, you’ll want to weigh any near-term moves you may be making that depend on your credit score—taking out a mortgage, for example.

How long should I keep my rewards credit card?

Credit card companies are getting stricter and stricter when it comes to cracking down on user behavior they classify as “gaming” the system, or opening and closing cards specifically to accrue sign-up bonuses. To keep yourself in good standing with banks, it’s important to plan on keeping a card for at least a year after you open it. If you’re picking a credit card that suits your needs, it’s likely you’ll want to keep it for much longer anyway!

Of course, card issuers are continually tweaking their products and rolling out new ones, so you may find that eventually the card you have isn’t the optimal one for you or your lifestyle. It’s also important to regularly audit your wallet to make sure you’re getting enough value out of the card or cards you do have to justify any annual fees.

If you do find that you’re ready to bid farewell to a card, we always recommend looking to downgrade a card before outright cancelling it. In general, the longer your lines of credit have been open, the better for your credit score, so cancelling can have implications there. Downgrading to no-fee card keeps the same line of credit up and running without you having to pay a dime.

How many rewards credit cards is too many?  

Once again, the important thing here is to avoid engaging in any behavior that might look risky to banks. Taking out multiple cards in a manner of months? That might raise some red flags.

On the other hand, if you’re using cards responsibly—spacing out applications by at least a few months, making all payments on time and keeping your cards open for at least a year—you can easily have a credit card tally into the teens and preserve an excellent credit score. In that case, it’s more about personal preference and how well you can keep track of them all!

While a hard and fast limit may not exist on how many cards you have overall, some issuers have started putting their own limits on how many of their cards you can hold at once or take out in a given time period. Chase has its infamous 5/24 rule—you’ll automatically be rejected for certain Chase cards you apply for if you’ve already taken out five cards from any issuer in the last 24 months—and American Express has a four-credit-cards-per-customer cap (and a 10-card limit for charge cards).

Is a rewards credit card worth the annual fee?

  Almost every rewards card out there will offer you more than enough value to offset the annual fee. Travel cards in particular tend to offer sign-up bonuses that are big enough to redeem for international flights, providing plenty of bang for your buck. Cards commonly also come with various perks and credits that can effectively knock hundreds of dollars off the fees you pay.

The question then, becomes whether you can—and will—actually use the perks and credits in order to offset those fees. For example, the $695 Platinum Card from American Express comes packed with benefits, including up to $200 in annual Uber savings, a $200 airline fee credit, a $100 hotel credit when booking through The Hotel Collection and $100 in annual Saks credits. Those credits alone add up to more than the annual fee, but if you don’t travel frequently, you might not be able to put them all to use.

It’s all a matter of finding the card that works best for you. We can all but guarantee that there’s a card out there that’ll be worth the fee in terms of what it nets you in rewards—and if not, there are plenty of lucrative offers for fee-free cards out there, too!

Do rewards cards carry high interest rates?  

Yes—and that’s one key reason we recommend only taking out a card whose balance you know you can pay off in full each month. While you’ll earn points or cash back from putting spend on the card, they won’t wind up outweighing what you’ll pay in interest if you carry a balance.

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  • Ink Business Preferred® Credit Card
  • The Business Platinum Card® from American Express
  • Capital One Venture X Business Card†
  • The Blue Business® Plus Credit Card from American Express
  • Ink Business Cash® Credit Card
  • American Express® Business Gold Card
  • Capital One Spark Miles for Business†
  • Why You Should Trust Us

Best Business Credit Cards for Travel of February 2024

Our experts answer readers' credit card questions and write unbiased product reviews ( here's how we assess credit cards ). In some cases, we receive a commission from our partners ; however, our opinions are our own. Terms apply to offers listed on this page.

The information for the following product(s) has been collected independently by Business Insider: Capital One Venture X Business Card†, Capital One Spark Miles for Business†, Capital One Spark Miles Select for Business†. The details for these products have not been reviewed or provided by the issuer.

It's time to earn rewards for all your company expenses. Whether you're a small business owner, gig worker, independent contractor, or freelancer, you're probably spending a good chunk of cash already — so why not earn something for it? Earning a whole lot of points and miles isn't a benefit limited to regular consumer credit cards. 

Keeping your personal and business spending separate is prudent, especially when tax season comes around. And maintaining a distinct business credit card makes it that much easier to track the goods and services you've purchased. In addition, the bonus categories for purchase rewards typically align with business expenses such as advertising, shipping, and office supplies.

Let's talk about the specific cards you should consider to reap the benefits of travel rewards and keep your business running on all cylinders. 

Compare the Top Business Travel Credit Cards

Chase Ink Business Preferred® Credit Card

Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases.

21.24% - 26.24% Variable

Earn 100,000 bonus points

Good to Excellent

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. High sign-up bonus
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 3x bonus points on several spending categories, including travel and advertising purchases
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes comprehensive travel coverage
  • con icon Two crossed lines that form an 'X'. Welcome bonus has a very high minimum spending requirement

The Ink Business Preferred® Credit Card offers a huge welcome bonus and solid earning and benefits for a moderate annual fee. If your small-business expenses line up with the card's bonus categories and you like redeeming Chase Ultimate Rewards® points for travel, this is one of the best small-business credit cards to consider.

  • Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Travel℠
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
  • Member FDIC

American Express The Business Platinum Card® from American Express

Earn 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com. Earn 1.5X points on each eligible purchase at shipping providers, US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, as well as on purchases of $5,000 or more everywhere else (on up to $2 million per calendar year). Earn 1X points for each dollar you spend on other eligible purchases.

19.49% - 27.49% Variable

Earn 120,000 Membership Rewards® points

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. More travel benefits than you'll find on any other business credit card
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous airport lounge access options, from American Express Centurion Lounges to Priority Pass (enrollment required)
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Complimentary hotel elite status (enrollment required)
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Access to Amex concierge services
  • con icon Two crossed lines that form an 'X'. Very high annual fee
  • con icon Two crossed lines that form an 'X'. Limited opportunities to earn bonus points
  • con icon Two crossed lines that form an 'X'. Annual statement credits won't be useful for everyone

The Business Platinum Card® from American Express is one of the best small-business cards with an elevated bonus and top-notch benefits (and a premium annual fee to match). It's an excellent offer if you like earning Membership Rewards points and you can maximize the bonus spending categories and perks — but be sure to assess whether the annual fee is worth it for you before you commit.

  • Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
  • 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
  • Earn 1.5X points (that's an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
  • Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
  • $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
  • $695 Annual Fee.
  • Terms Apply.

Capital One Capital One Venture X Business Card†

Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel. Earn 5X miles on flights booked through Capital One Travel. Earn unlimited 2X miles on all other purchases.

no APR but a 2.99% monthly late fee if balance is not paid in full

Earn up to 300,000 bonus miles (offer ends 3/11/2024)

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Excellent earning rates and perks that offset the high annual fee
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Premium benefits include travel statement credits and airport lounge access
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. No preset spending limit for flexibility
  • con icon Two crossed lines that form an 'X'. Balance must be paid in full each month to avoid a late fee
  • con icon Two crossed lines that form an 'X'. Annual travel statement credits only apply to Capital One Travel purchases

American Express The Blue Business® Plus Credit Card from American Express

Earn 2x Membership Rewards® Points on everyday eligible business purchases (on up to $50,000 per year in purchases, then 1X). Earn 1x Membership Rewards® Points on all other purchases.

0% intro APR on purchases for the first 12 months from account opening

18.49% - 26.49% Variable

Earn 15,000 Membership Rewards® points

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. The rare no-annual-fee card to earn Amex Membership Rewards points
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Solid earning rate on the first $50,000 in purchases each year
  • con icon Two crossed lines that form an 'X'. For spending above $50,000 each year, you will only earn 1 point per dollar

If you're a small-business owner looking for a credit card that offers flexible rewards points without paying an annual fee, The Blue Business® Plus Credit Card from American Express is an excellent option. You don't need to own a full-time business to be eligible to apply, either — even freelancers and those with side gigs can qualify for a small-business card.

  • Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
  • Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • You've got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
  • No Annual Fee
  • Terms Apply

Chase Ink Business Cash® Credit Card

Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases.

0% intro APR on purchases for the first 12 months

18.49% - 24.49% Variable

Earn $750 bonus cash back

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Broad 5% and 2% cash-back categories (you can earn bonus cash back at office supply stores and at gas stations and restaurants)
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Intro APR offer for purchases
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. No annual fee
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can pair this card with a card that earns Ultimate Rewards to redeem your cash back for travel
  • con icon Two crossed lines that form an 'X'. Annual cap on bonus categories

Between offering a big welcome bonus, extra rewards in useful categories, and ongoing benefits like primary car rental insurance and purchase protection, the Ink Business Cash® Credit Card is an excellent no-annual-fee cash-back business credit card for small-business owners.

  • Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • 0% introductory APR for 12 months on purchases

American Express American Express® Business Gold Card

Earn 4x Membership Rewards® Points on the first $150,000 spent each calendar year in combined purchases from the top 2 business categories where your business spent the most each billing cycle (then 1x points per dollar). Earn 3x Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com. Earn 1x Membership Rewards® Points on all other purchases.

Earn 70,000 Membership Rewards® points

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can bonus points on the categories where you make the most purchases (from a list of options)
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. 25% points rebate when you use rewards to book an eligible flight through Amex Travel
  • con icon Two crossed lines that form an 'X'. High annual fee

The American Express® Business Gold Card is a good choice if your business spends a lot in certain categories and you want to earn Membership Rewards points for travel or other redemptions. It's got a high annual fee, but if you can use the card's benefits to your advantage, it can be well worth it.

  • Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
  • Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
  • Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
  • Get $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. $12.95 plus applicable taxes.
  • Your Card – Your Choice. Choose from Gold or Rose Gold.
  • *Terms Apply

Capital One Capital One Spark Miles for Business†

Earn unlimited 5X miles on hotels and rental cars booked through Capital One Travel. Earn unlimited 2X miles on every purchase, with no restrictions or blackout dates.

$95, waived the first year

26.24% Variable

Earn 50,000 miles

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. No bonus categories to keep track of
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual fee is waived the first year
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can redeem miles to erase travel purchases from your statement, or you can transfer to various airline and hotel programs
  • con icon Two crossed lines that form an 'X'. Not many extra benefits

The Capital One Spark Miles for Business is a solid rewards business credit card to consider if you want to earn a flat rate of rewards that are easy to redeem. This card gives you an unlimited 2 miles for each dollar you spend just about everywhere, and you can redeem them to cover any travel purchases you want.

Best Business Travel Credit Cards of February

  • Ink Business Preferred® Credit Card : Best business credit card overall
  • The Business Platinum Card® from American Express : Best business credit card for premium benefits
  • Capital One Venture X Business Card† : Best business credit card for high spenders
  • The Blue Business® Plus Credit Card from American Express : Best business credit card for unlimited flat-rate Amex Membership Rewards
  • Ink Business Cash® Credit Card : Best business credit card for unlimited flat-rate cashback or Chase Ultimate Rewards®
  • American Express® Business Gold Card : Best business credit card for 4x Amex Membership Rewards categories
  • Capital One Spark Miles Select for Business† : Best business credit card for unlimited flat-rate Capital One miles

Business Travel Credit Card Reviews

Best business credit card overall: ink business preferred® credit card.

The Ink Business Preferred® Credit Card is a fantastic jack-of-all-trades business credit card for many small business owners. The card comes with a generous sign-up bonus and valuable ongoing bonus categories for a reasonable $95 annual fee. Even better, you'll earn rewards in the form of Chase Ultimate Rewards points , perfect for booking travel. 

This card's benefits include a wide array of trip protection and travel insurance perks such as trip cancellation and trip delay protection to help you recoup some expenses when travel goes awry, primary car rental coverage, and much more. The Ink Business Preferred® Credit Card also offers cellphone protection benefits: When you pay your cellphone bill using this credit card, you and eligible employees alike can claim up to $1,000 per incident in the event of qualifying instances such as phone damage or theft.

Right now, you'll earn 100,000 bonus points after spending $8,000 on purchases in the first three months from account opening. You'll also earn Chase Ultimate Rewards points at the following rates per dollar spent: 

  • 3 points per dollar on travel
  • 3 points per dollar on shipping purchases
  • 3 points per dollar on internet, cable, and phone services
  • 3 points per dollar on advertising purchases made with social media sites and search engines
  • $150,000 annual cap on 3X bonus earnings on combined purchases (1X thereafter).
  • 1 point per dollar on all other spending

Read our full Chase Ink Business Preferred card review to learn more about this business credit card. 

Best business credit card for premium benefits: The Business Platinum Card® from American Express

The Business Platinum Card® from American Express is, without a doubt, the perennial premium business travel card, thanks to its extensive array of perks and ability to earn flexible, valuable Membership Rewards points. Although the annual fee of $695 is high, valuable perks like statement credits, airport lounge access, and top-notch travel and purchase protection offset it.

We'll get right to it: The Business Platinum Card® from American Express isn't for every business owner. The earning rates on most categories of spend are low, even compared to many other Amex Membership Rewards credit cards (see the The Blue Business® Plus Credit Card from American Express below).

Instead, this card shines for its incredible benefits, including annual credit toward a CLEAR verification membership and top-tier airport lounge access to American Express Centurion Lounges , as well as the worldwide Priority Pass network. You'll also receive hundreds of dollars in valuable statement credits for purchases at Dell, Indeed, and Adobe (enrollment required). 

Right now, you'll earn 120,000 Membership Rewards® points after spending $15,000 on eligible purchases with your card within the first three months of card membership. You'll also earn Membership Rewards points at the following rates per dollar spent: 

  • 5x on flights and prepaid hotels booked through Amex Travel
  • 1.5x on each eligible purchase of $5,000 or more 
  • 1.5x on eligible purchases in the US at electronics goods retailers, software, and cloud service providers 
  • 1.5x at eligible US shipping providers
  • 1.5x on eligible US purchases of construction materials and hardware supplies
  • 1x on everything else

The 1.5x categories are capped at a total of $2 million in combined purchases each year — after that, you'll earn 1 point per dollar in these categories.

Read our full Amex Business Platinum card review to learn more about this business credit card. 

Best business credit card for high spenders: Capital One Venture X Business Card†

The Capital One Venture X Business Card† is a newcomer on the business credit card scene that heavily rewards big spenders. This card has a $395 annual fee, and comes with a generous welcome bonus of 150,000 miles once you spend $20,000 in the first three months from account opening, and an additional 150,000 miles once you spend $100,000 in the first six months (offer ends 3/11/2024). However, the hefty spending requirement may be tricky to reach for some small business owners. 

This card's generous benefits include:

  • $300 annual credit for travel purchased through the Capital One travel portal
  • Priority Pass, Plaza Premium, and Capital One lounge access
  • Global Entry or TSA PreCheck credit
  • Cellphone insurance
  • Rental car benefits and primary insurance coverage
  • Travel interruption or cancellation protections
  • Anniversary bonus of 10,000 miles 

Read more about this card in our Capital One Venture X business card review . 

Best business credit card for unlimited flat-rate Amex Membership Rewards: The Blue Business® Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American Express is one of our favorite business travel credit cards for its generous 2x Membership Rewards points earn rate on every purchase, all with no annual fee. It's simple, rewarding, and often goes under the radar; essentially, this card is a gem hidden in plain sight. This card is for business owners who need a reliable daily-use credit card that doesn't require planning ahead for bonus categories. 

This credit card comes with a 0% introductory APR (then 18.49% - 26.49% Variable APR) which is valuable for business owners anticipating major purchases coming up.  

One of the best ways to maximize your reward redemptions is to transfer Membership Rewards points to one of many American Express airline and hotel transfer partners including Air Canada Aeroplan, British Airways Executive Club, Marriott Bonvoy, and many more.

Right now, you'll earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the card within your first three months of card membership. You'll also earn rewards at the simple rate of 2 points per dollar on the first $50,000 spent on the card each year, then 1 point per dollar after that. Note that this card carries a foreign transaction fee , so don't bring it abroad. 

Read our full Amex Blue Business Plus credit card review  to learn more about this business credit card. 

Best business credit card for unlimited flat-rate cashback or Chase Ultimate Rewards®: Ink Business Cash® Credit Card

The Ink Business Cash® Credit Card is a no-annual-fee business credit card that earns generous cash back on business-related categories while providing useful perks such as purchase and extended warranty protection. For small businesses without major expenses, this is the card to get, especially since you can add employee cards at no additional cost. 

The 0% introductory APR offered on this card is one of the best benefits for new applicants (then 18.49% - 24.49% Variable APR). This perk can help you pay off large expenses over time without incurring interest. 

This is a cashback card on the surface, which means you can redeem your rewards toward travel at a rate of 1 cent per point on the Chase Ultimate Rewards travel portal . However you can level up the value of your Ink Business Cash® Credit Card rewards if you have a card like the Ink Business Preferred® Credit Card, the personal Chase Sapphire Reserve® , or the personal Chase Sapphire Preferred® Card .

When you transfer the rewards from your Ink Business Cash® Credit Card to one of these credit cards that earn Chase Ultimate Rewards points, you get an additional reward redemption option which can be way more lucrative in many cases.  If you go this route, your rewards can be used across the full suite of Chase airline and hotel transfer partners .

Right now, you'll earn $750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening. You'll also earn rewards at the following rates per dollar spent: 

  • 5% cash back on up to $25,000 a year in spending at office supply stores and on cable, internet, and phone service
  • 2% cash back on up to $25,000 a year in spending at gas stations and restaurants
  • 1% cash back on all other spending

The Ink Business Cash® Credit Card charges foreign transaction fees, so it isn't a good card to pack for international travel. 

Read our full Chase Ink Business Cash credit card review to learn more about this business credit card. 

Best business credit card for 4x Amex Membership Rewards categories: American Express® Business Gold Card

The American Express® Business Gold Card is unique because it automatically earns a powerful — and very business-friendly — 4 points per dollar in your top two spending categories each month, which means you don't have to pick a spend category and commit to it. On top of that, you'll earn valuable Amex Membership Rewards points at the following rates:

  • 4X points per dollar on your top two spending categories each quarter, up to a $150,000 annual limit
  • 1X points per dollar on other eligible spending

As a bonus, you can get a 25% rebate when you use Membership Rewards points to pay for certain travel through the Amex portal through your American Express® Business Gold Card card. This 25% rebate is capped at 250,000 points back per calendar year and applies to business- or first-class tickets on any airline, as well as flights in any fare class on one select U.S. airline of your choice each year.

This card has a $375 annual fee.

Read our full Amex Business Gold card review  to learn more about this business credit card. 

Best business credit card for unlimited flat-rate Capital One miles: Capital One Spark Miles for Business†

There's nothing to memorize here: The Capital One Spark Miles for Business† offers a simple rewards structure so you can purchase what you need without considering bonus categories. You'll earn 2 miles per dollar on pretty much anything. That's it. You can earn a bonus of 50,000 miles once you spend $4,500 on purchases within the first three months from account opening, and the annual fee is $95, waived the first year.

Our guide on how to earn and redeem Capital One miles will offer more in-depth information. But In most cases, you'll get the best value out of your rewards if you transfer your miles to one of Capital One's hotel and airline transfer partners . Alternatively, you have the ability to redeem for airfare, hotels, or rental cars directly on the Capital One Travel portal at a rate of 1 cent per mile. 

Read our full Capital One Spark Miles for Business card review to learn more about this business credit card. 

Best Business Travel Credit Cards Frequently Asked Questions

The Ink Business Preferred® Credit Card is one of the best overall credit cards for small business owners. This card combines generous travel benefits and purchase protection with a great welcome bonus, all for a reasonable $95 annual fee. 

Frequent travelers will want to keep The Business Platinum Card® from American Express close at hand on the road. Premium travel benefits include expedited security access, membership to hundreds of airport lounges worldwide, and significant rebates on travel expenses booked through Amex Travel. 

You can use your business credit card to pay for travel expenses relevant to your company. If you plan to travel internationally, make sure you bring a credit card that doesn't charge foreign transaction fees. 

The Business Platinum Card® from American Express is one of the best business credit cards for people who travel frequently. For a fee, small business owners can request credit cards for employees and authorized users to take advantage of a number of the premium benefits of this card. 

Why You Should Trust Us: How We Chose the Best Business Credit Cards for Travel

Personal Finance Insider's credit card reviewers are experts when it comes to business expenses. Not only do many of us own and operate our own small businesses, we also evaluate and compare every credit card on the market on a regular basis. We chose the business credit cards highlighted in this particular guide for the following reasons:

Rewards — Each of the business credit cards on this list provides a minimum of one cent per dollar spent, and some do so without charging an annual fee. These build your business credit score and history while rewarding you for everyday expenses related to your company. 

Travel benefits — Every card on this list of best business credit cards for travel comes with soft benefits that improve the quality of your work life. Whether we're comparing premium travel benefits such as airport lounge access or something basic such as bonus points per dollar spent on travel, each of these cards makes your life as an entrepreneur just a little bit easier or better on the road.  

Value — The cards in this list run the gamut from free to hundreds of dollars per year in annual fees. Some business owners find the high value provided by premium credit cards worth the hefty annual fee (which counts toward your business expenses for the year). Other entrepreneurs prefer cards that don't take additional money out of their wallets. Each of the cards on this list gives back more than it takes, regardless of the annual fee. 

Protection — Purchasing business equipment, supplies and raw materials can be expensive, tedious, and challenging to manage and maintain. The business credit cards we highlighted here offer an extra layer of protection between you and asset loss: Many provide purchase protection and extended warranties, while others may offer a 0% introductory APR period to help you pay off big expenses over time without incurring interest. 

Interested in our evaluations? Learn about Business Insider's review methodology for credit cards .

10x travel chase business cards

For rates and fees of The Business Platinum Card® from American Express, please click here.

For rates and fees of The Blue Business® Plus Credit Card from American Express, please click here.

† The information related to the Capital One Spark Miles for Business has been collected by Business Insider and has not been reviewed by the issuer.

For rates and fees of the American Express® Business Gold Card, please click here.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Trip Delay Insurance, Trip Cancellation and Interruption Insurance, and Cell Phone Protection Underwritten by New Hampshire Insurance Company, an AIG Company. Global Assist Hotline Card Members are responsible for the costs charged by third-party service providers. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers. Extended Warranty, Purchase Protection, and Baggage Insurance Plan Underwritten by AMEX Assurance Company. Car Rental Loss & Damage Insurance Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

10x travel chase business cards

Watch: The CEO of Scott's Cheap Flights reveals a credit card trick he uses to get millions of free miles

10x travel chase business cards

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The Guide to Chase Ultimate Rewards Travel Portal

Ramsey Qubein

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

Who can use the portal?

Benefits of booking travel in the portal, is the chase ultimate rewards® travel portal worth using, does the chase travel portal price match, how to use the chase ultimate rewards® travel portal, what else you need to know, chase travel portal tips, recapped.

The Chase Ultimate Rewards® travel portal is one of the best features of having a Chase credit card. Earning Ultimate Rewards® with credit cards like Chase Sapphire Preferred® Card and Chase Sapphire Reserve® can deliver big value if you know how to navigate the Chase travel portal.

Much like third-party booking sites like Orbitz or Expedia , you can use the Chase travel portal to book flights, hotels and cruises, among other things. You can redeem points to offset the cost of the trip or pay in cash. You won’t have to worry about blackout dates or award inventory caps like you may find when using airline miles or hotel points for the same trip since you are essentially buying travel with cash.

Within the portal, you can also redeem points for merchandise or transfer them to other travel loyalty programs if you are short on miles and points there. In short, having a flexible points currency like Chase Ultimate Rewards® is one of the smartest routes you can take in the miles and points game. Booking travel through Chase Ultimate Rewards® is simple. Here’s what you need to know about the Chase Ultimate Rewards® travel portal.

» Learn more: Chase Ultimate Rewards®: How to earn and use them

Not all Chase cards have the same benefits. Only some cards earn Ultimate Rewards® points; others may earn loyalty miles and points with an affiliated partner. For example, the United℠ Explorer Card earns United MileagePlus miles.

These are examples of cards that earn Chase Ultimate Rewards® and give access to the Chase travel portal:

Chase Sapphire Reserve® .

Chase Sapphire Preferred® Card .

Chase Freedom Unlimited® .

Chase Freedom Flex℠ .

Ink Business Preferred® Credit Card .

Ink Business Cash® Credit Card .

Ink Business Unlimited® Credit Card .

Chase Sapphire Preferred Credit Card

on Chase's website

Chase Sapphire Reserve Credit Card

• 5 points per $1 spent on travel booked through Chase Ultimate Rewards®.

• 3 points per $1 on dining (including eligible delivery services and takeout).

• 3 points per $1 on select streaming services.

• 3 points per $1 on online grocery purchases (not including Target, Walmart and wholesale clubs).

• 2 points per $1 on other travel.

• 1 point per $1 on other purchases.

Point value in Chase travel portal: 1.25 cents apiece.

• 10 points per $1 spent on Chase Dining purchases through Ultimate Rewards®.

• 10 points per $1 on hotel stays and car rentals purchased through Ultimate Rewards®.

• 5 points per $1 on air travel purchased through Ultimate Rewards®.

• 3 points per $1 on other travel.

• 3 points per $1 on dining not booked with Chase.

Point value in Chase travel portal: 1.5 cents apiece.

• 5% cash back (5 points per $1) on travel booked through Chase Ultimate Rewards®.

• 3% back (3 points per $1) on dining, including takeout and eligible delivery services.

• 3% back (3 points per $1) on drugstore purchases.

• 1.5% cash back (1.5 points per $1) on everything else.

Point value in Chase travel portal: 1 cent apiece.

• 5% cash back (5 points per $1) in quarterly bonus categories on up to $1,500 in combined spending each quarter. Activation of bonus categories is required.

• 1% cash back (1 points per $1) on everything else.

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®.

Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

» Learn more: The best travel credit cards right now

Earn points on paid reservations

The primary reason you may want to book travel via the Chase travel portal is that you earn Chase Ultimate Rewards® on paid reservations. You can earn 5x points on airfare booked within the portal and 10x points on hotels and car rentals.

That can really add up, but beware that when booking hotels through Chase Ultimate Rewards®, you are not eligible to earn points with the hotel loyalty program or reap elite status benefits since it is using a third-party service. The tradeoff can vary by property, but using the Chase travel portal is especially helpful when booking unaffiliated hotels or hotel brands where you usually do not collect points or have elite status. In those instances, you are less likely to be passing up the perks of points earning and elite status.

Earn points on airfare even for redemptions

When booking airfare through Chase Ultimate Rewards®, you do earn miles no matter if you pay with cash or points. This makes using points for airfare via the Chase travel portal more beneficial than redeeming for a hotel.

Earn bonus points for restaurant bookings

You can even earn bonus points when making restaurant bookings through the portal. This can be a great way to enhance your trips with great dining in advance rather than chatting with your hotel concierge.

10x travel chase business cards

Shop for the best value redemption

Since the value per Chase Ultimate Rewards® points is relatively constant, using the travel portal may not always be the best option. You may be able to spend fewer points if you book the same trip with the specific airline or hotel's points instead of Chase Ultimate Rewards® points. This is more common with itineraries with high cash prices, like a hotel night that's particularly expensive. Always compare the cost of using traditional miles and points over using Chase points to see which offers better value. In some cases, you may want to transfer Chase points to partner programs to squeeze more value from them.

One example where that could be exceptional value is for expensive business class tickets that also have award availability. Let’s say you’re looking for a United business class ticket between Newark and London. If the cash cost of a one-way ticket is $2,505, that will cost you 250,500 Ultimate Rewards® points when redeeming at a value of one penny per point. In this example, it may be worth redeeming MileagePlus miles instead.

10x travel chase business cards

For this flight, the one-way mileage cost is 91,700 miles. Even if you don’t have enough United miles, you could transfer that amount from Chase Ultimate Rewards® (since they are partners), and save yourself a nice chunk of Chase points in the process. It is always best to compare the cash cost with the redemption cost using both Chase and the airline or hotel’s own loyalty program.

» Learn more: The best Chase transfer partners — and the ones to avoid

The Chase Ultimate Rewards® travel portal can be worth using in specific scenarios.

Redemptions: You hold the Chase Sapphire Reserve® , the Ink Business Preferred® Credit Card or the Chase Sapphire Preferred® Card and want to make a redemption. The first two cards get an elevated point value of 1.5 cents apiece when redeeming points and booking travel in the portal; the latter gets 1.25 cents apiece.

Bookings. You hold the Chase Sapphire Preferred® Card , the Chase Freedom Unlimited® or the Chase Sapphire Reserve® and want to earn bonus points. The Chase Sapphire Preferred® Card and the Chase Freedom Unlimited® typically earn 5x points per $1 spent on all travel purchased through Chase Ultimate Rewards®, while the Chase Sapphire Preferred® Card earns 5-10 points per $1 spent on Chase Dining, hotel stays, rental cars and air travel purchased through Ultimate Rewards®.

Otherwise, you might be wise to book travel directly with the airline, hotel or rental car company, which can simplify cancellations or changes to your bookings. You can do this with cash, card or by transferring points to one of Chase's transfer partners.

» Learn more: The guide to Chase transfer partners

Despite being powered by Expedia — an online travel agency that includes a Price Match Promise — the Chase travel portal does not offer customers a price matching benefit.

Capital One Travel has price drop protection that will advise you when to buy and refund you if the price of your flight drops by a certain amount after purchase.

Once logged into your Chase account, you’ll find a sidebar on the right of the page with your Chase Ultimate Rewards® balance. Once you click on it, it brings up a variety of options for how to spend your points. Choose “travel” to take you to the standard booking page where you can enter your plans for flights, cruises, rental cars, hotels or other activities.

Depending on the card you have, your points are worth between 1-1.5 cents per point. The best value card is the Chase Sapphire Reserve® , which offers 1.5 cents in value per point to redeem through the portal, while the Chase Freedom Unlimited® only values points at a penny per point. This means that Chase determines the number of points you’ll need to redeem for an award based on the cash cost of the travel you are trying to book.

10x travel chase business cards

It’s easy to search for the travel you want. Chase has partnered with Expedia to run the search engine, but this has limited the search function a bit with some low-cost airlines no longer appearing. Be mindful of this when making a reservation (perhaps check to see if the airfare is similar to the basic economy or main cabin price on the airline’s website first).

The advanced options button lets you sort by airline and class of service.

10x travel chase business cards

Much like other online booking engines, once you find the travel plans you like, you enter your personal details. The best part of using the travel portal is that you can pay in full with points, cash or use a mix of points and cash. You can adjust the amount of points you want to spend for your trip and the website will display how much remaining cash you owe. If you need more points, you can transfer them from other Chase Ultimate Rewards® earning accounts you may have to boost your balance.

The process for booking hotels or car rentals is similar to reserving a flight, giving you the option to use a mix of cash or points.

10x travel chase business cards

To book a cruise with points, however, you’ll have to call Chase directly.

Another exception is when making a reservation at Luxury Hotel and Resort Collection properties, you can only make a cash reservation (you pay upon checkout) and cannot redeem Ultimate Rewards® points. You may still want to reserve through the portal, though, since it means you are eligible for additional perks like daily breakfast for two and a special amenity that varies by the hotel.

You can also reserve activities at home or your destination and pay for them in cash or with points. These include tours, museum visits and other local experiences.

10x travel chase business cards

Chase may charge a service fee on certain reservations. You will want to weigh whether this small charge is worth the benefit in Chase Ultimate Rewards® points you may use.

Many hotel companies offer member-only rates to entice you to book directly with them rather than through a third party. You’ll want to weigh whether earning Chase Ultimate Rewards® points is more valuable than the difference in the lowest rate booked directly with the hotel company.

When making any reservation through the Chase travel portal, you will be at the mercy of its own policies when it comes to changing or canceling a ticket. You will have to contact Chase Ultimate Rewards® directly to adjust your plans since you made it independently of the airline or hotel company. This can make it especially difficult with last-minute travel plan changes.

» Learn more: Advanced tips for redeeming Chase Ultimate Rewards

10x travel chase business cards

With a little comparison shopping for your travel plans, you can squeeze exceptional value from points via the Chase Ultimate Rewards® travel portal. They can be redeemed like cash for travel, but always be sure to compare a reservation using Chase points to the cost of using hotel or airline points.

Sometimes, it may be less advantageous to use Chase points since you will lose out on travel-related perks. Other times, you’ll come out ahead since you can save cash using points, which is helpful when there is no award availability for your preferred travel plans.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

1.5%-6.5% Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

$300 Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

1x-5x 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

1%-5% Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.

$200 Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

10x travel chase business cards

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Business Credit Cards

Find the best business credit card for you. Get rewarded on expenses with new cardmember bonus offers, and by earning cash back rewards, airline miles, or credit card reward points on all your business purchases. Experience the power of your rewards with flexible redemption options, to find what best meets your business needs.

Ink Business Premier SM Credit Card . Links to product page.

Clickable card art links to Ink Business Premier (Service Trademark) credit card product page

Ink Business Premier SM Credit Card card reviews Opens overlay

New cardmember offer.

Earn $1,000 bonus cash back after you spend $10,000 on purchases in your first 3 months from account opening.

AT A GLANCE

Pay in Full Card with Unlimited Earn Potential Earn 2.5% cash back on every purchase of $5,000 or more and 2% cash back on all other business purchases.

Flex for Business variable APR: 19.49 Min. of (8.50+10.99) and 29.99 %– 27.49 Min. of (8.50+18.99) and 29.99 %. † Opens pricing and terms in new window

$195 † Opens pricing and terms in new window

Ink Business Unlimited ® Credit Card . Links to product page.

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Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months after account opening.

Unlimited 1.5% cash back rewards on every purchase made for your business – with this no annual fee credit card.

0% intro APR for 12 months from account opening on purchases. † Opens pricing and terms in new window After that, 18.49 Min. of (8.50+9.99) and 29.99 %– 24.49 Min. of (8.50+15.99) and 29.99 % variable APR. † Opens pricing and terms in new window

$0 † Opens pricing and terms in new window

Ink Business Cash ® Credit Card . Links to product page.

Clickable card art links to Ink Business Cash (Registered Trademark) credit card product page

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Earn 5% cash back in select business categories plus earn rewards on every purchase made for your business – with this no annual fee credit card

Ink Business Preferred ® Credit Card . Links to product page.

Clickable card art links to Ink Business Preferred (Registered Trademark) credit card product page

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100,000 bonus points after you spend $8,000 on purchases in the first 3 months after account opening. That's $1,000 cash back or $1,250 toward travel rewards when you redeem through Chase Travel SM .

Reward your business with flexible and rich rewards. Earn 3X points on shipping and other select business categories.

21.24 Min. of (8.50+12.74) and 29.99 %– 26.24 Min. of (8.50+17.74) and 29.99 % variable APR. † Opens pricing and terms in new window

$95 † Opens pricing and terms in new window

World of Hyatt Business Credit Card . Links to product page.

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Earn up to 75,000 Bonus Points after qualifying purchases.

Make the most of your small business spending with accelerated earning wherever you spend the most. Earn 2 Bonus Points total per $1 spent in your top three spend categories each quarter through 12/31/24, then your top two categories each quarter.

21.49 Min. of (8.50+12.99) and 29.99 %– 28.49 Min. of (8.50+19.99) and 29.99 % variable APR. † Opens pricing and terms in new window

$199 † Opens pricing and terms in new window

United SM Business Card . Links to product page.

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Earn 100,000 bonus miles after qualifying purchases.

Earn 2x miles on United purchases, dining, at gas stations, office supply stores and on local transit and commuting. Plus, enjoy a free first checked bag and other great United travel benefits. Terms apply.

21.99 Min. of (8.50+13.49) and 29.99 %– 28.99 Min. of (8.50+20.49) and 29.99 % variable APR. † Opens pricing and terms in new window

$99 annual fee † Opens pricing and terms in new window

United Club SM Business Card . Links to product page.

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Earn 75,000 bonus miles + 1,000 Premier qualifying points (PQP) after qualifying purchases.

Travel in luxury. Enjoy United Club SM membership and 2 free checked bags. Plus, earn rewards faster with 2x miles on United purchases and 1.5x miles on all other purchases. Terms apply.

$450 † Opens pricing and terms in new window

Southwest Rapid Rewards ® Performance Business Credit Card . Links to product page.

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Earn 80,000 points after you spend $5,000 on purchases in the first 3 months your account is open.

Earn 4X points on Southwest ® purchases and 2X points on purchases for your business in select categories. Plus, 9,000 anniversary bonus points each year.

$199 applied to first billing statement. † Opens pricing and terms in new window

Southwest Rapid Rewards ® Premier Business Credit Card . Links to product page.

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Earn 60,000 bonus points after you spend $3,000 on purchases in the first 3 months your account is open.

Earn 3X points on Southwest ® purchases, 2X points on local transit and commuting, and 1X points on all other purchases. Plus, 6,000 anniversary points each year.

$99 applied to first billing statement. † Opens pricing and terms in new window

IHG One Rewards Premier Business Credit Card . Links to product page.

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Earn 140,000 bonus points After you spend $3,000 on purchases in the first 3 months from account opening.

Earn IHG One Rewards points on every purchase. Up to 26X points total per $1 spent when you stay at IHG ® hotels and resorts.

$99 † Opens pricing and terms in new window

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Chase Sapphire Reserve®

Best premium travel card for value

The Chase Sapphire Reserve is a no-brainer card for those who are looking to up their reward earnings to the highest level. Chase Ultimate Rewards are one of the most valuable points currencies. (Partner offer)

At a glance

  • 10x Earn 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®.
  • 5x Earn 5x total points on flights through Chase Ultimate Rewards®.
  • 3x Earn 3x points on other travel and dining.
  • 1x Earn 1 point per $1 spent on all other purchases
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
  • Member FDIC

TPG Editor's Rating

If you are looking to take your premium rewards to the highest level, this card is really a no brainer in our eyes. Chase’s Ultimate Rewards make points easy to redeem, with a wide range of 10 airline and three hotel transfer partners and a friendly user interface. Despite the high annual fee, Chase is consistently adding new benefits to keep the card competitive in a fierce premium rewards field.

  • $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year
  • Access to Chase Ultimate Rewards hotel and airline travel partners
  • Unlimited 3x points on the broad category of travel and dining
  • 50% more value when you redeem your points for travel through Chase Ultimate Rewards®
  • Broad definitions for travel and dining bonus categories
  • Steep $550 annual fee
  • May not make sense for people that don't travel frequently
  • You must spend the $300 travel credit before earning 3x points for travel and dining
  • No automatic hotel elite status

Who is this card good for?

The Chase Sapphire Reserve is great for travelers who want a credit card with premium perks. First, Ultimate Rewards are one of the most valuable points currencies. They’re incredibly easy to redeem, with a wide range of airline and hotel transfer partners. Because of Chase’s 5/24 rule, you’ll want to apply for Chase cards first before turning to other issuers.

The Sapphire Reserve’s $550 annual fee is a valid concern, but the $300 annual travel credit drops your real out-of-pocket cost to $250 a year. That’s before you factor in other perks such as, a Global Entry fee credit and Priority Pass lounge access.

Like the bonus categories, this annual credit is automatically applied to a broad range of travel purchases in the U.S. and abroad.

Some people might be better off applying for the Chase Sapphire Preferred Card. For example, you may find that the Sapphire Reserve’s 3x bonus on dining and travel worldwide might be a more rewarding for you.

On a similar note, points earned with the Sapphire Reserve are worth 1.5 cents each when redeemed through Ultimate Rewards Travel. Meanwhile, points earned with the Sapphire Preferred are worth just 1.25 cents each.

Crunch the numbers on your spending habits and don’t make a decision based on the annual fees alone.

Earning Rewards

At 2 cents apiece for Ultimate Rewards points according to  TPG valuations , the 60,000-point bonus (after you spend $4,000 in the first three months) on the Sapphire Reserve is worth $1,200 based on TPG valuations.

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Editorial Note: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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What Purchases Count as Travel on the Chase Sapphire Preferred Card and Ink Business Preferred Cards?

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What Purchases Count as Travel on the Chase Sapphire Preferred Card and Ink Business Preferred Cards?

Chase Sapphire Preferred Card

Chase ink business preferred card, what counts as travel on chase credit cards, what doesn’t count as travel, how rewards categories are determined, how to determine if your purchase will count as travel, how to redeem chase ultimate rewards points, final thoughts.

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So, you just received your shiny new credit card, and you can’t wait to use it to start earning points. You see that your card offers bonus points for “travel” purchases. That’s great, but how do you know exactly what counts as “travel?”

Does this scenario sound familiar? Most readers have likely questioned whether or not a purchase will count towards a specific category at some point. Even the most seasoned points and miles enthusiasts can question a purchase every now and then.

The bad news is that each type of credit card can be a little different — what counts as travel on the Chase Sapphire Preferred ® card may not count as travel on the Citi Prestige ® Card. The good news is that we’ve already sorted all of it out, so you can easily determine if a purchase will earn bonus points or not.

In this post, we’re focusing on what counts as a travel purchase on 2 of the most popular cards available: the Chase Sapphire Preferred card and the Ink Business Preferred ® Credit Card .

These 2 cards are favorites among points enthusiasts, partly because of their ability to earn lots of Chase Ultimate Rewards points through their generous bonus categories.

Before we get into the nitty-gritty of what purchases count as travel on the Chase Sapphire Preferred card, let’s take a quick peek at some of the benefits offered this popular card.

Chase Sapphire Preferred® Card

Chase Sapphire Preferred ® Card

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.

The Chase Sapphire Preferred ® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance . With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

  • 5x points on all travel booked via the Chase Ultimate Rewards portal
  • 5x points on select Peloton purchases over $150 (through March 31, 2025)
  • 5x points on Lyft purchases (through March 31, 2025)
  • 3x points on dining purchases, online grocery purchases, and select streaming services
  • 2x points on all other travel worldwide
  • $50 annual credit on hotel stays booked through the Chase Ultimate Rewards portal
  • 6 months of complimentary Instacart+ (activate by July 31, 2024), plus up to $15 in statement credits each quarter through July 2024
  • Excellent travel and car rental insurance
  • 10% annual bonus points
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs like United MileagePlus and World of Hyatt
  • $95 annual fee
  • No elite benefits like airport lounge access or hotel elite status
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards ® .
  • Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards ® , 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards ® . For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC

Financial Snapshot

  • Foreign Transaction Fees: None

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The next card we’re discussing in this post is the Ink Business Preferred card, one of the best all-around business credit cards out there. Here are the highlights:

Ink Business Preferred® Credit Card

Ink Business Preferred ® Credit Card

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

The Ink Business Preferred ® Credit Card is a powerhouse for earning lots of points from your business purchases , especially for business owners that spend regularly on ads.

Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.

Business owners will also love the protections the card provides like excellent cell phone insurance , rental car insurance, purchase protection, and more.

  • 3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
  • Cell phone protection
  • Purchase protection
  • Trip cancellation and interruption insurance
  • Rental car insurance
  • Extended warranty coverage
  • No elite travel benefits like airport lounge access
  • Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Travel℠
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
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According to Chase, the following purchases DO count as a travel:

  • Car rental agencies
  • Cruise lines
  • Travel agencies
  • Discount travel sites
  • Campgrounds
  • Passenger trains
  • Toll bridges and highways
  • Parking lots and garages

Here are some additional charges that count as travel, based on experience and crowdsourced data:

  • Southwest Airlines EarlyBird Check-In fees
  • Uber and Lyft rides (excluding Uber Eats )
  • Online travel agencies like Priceline , Expedia , Orbitz , etc.
  • Payments to travel vendors (like a hotel) paid through PayPal via a credit card
  • Any items purchased on a cruise ship that are charged to your room (including big-ticket items like artwork purchased during the onboard auctions)

According to Chase, the following types of purchases do NOT count as travel:

  • Real estate agents
  • Educational merchants arranging travel
  • Inflight goods and services
  • Onboard cruise line goods and services
  • Sightseeing activities
  • Tourist attractions
  • Boat rentals
  • Merchants within hotels and airports
  • Merchants that rent vehicles for the purpose of hauling
  • Gift cards (unless the merchant is set up to count as travel)
  • Points and miles (unless the merchant is set up to count as travel)

You’ll notice that gas stations, while essential for travel, don’t code as travel. Another tricky one is Uber Eats. It used to count as a travel purchase, but now it counts as dining.

Every card network ( Visa , Mastercard , American Express, etc.) assigns codes to each merchant within the network. Merchant codes are assigned according to the merchant’s primary category of goods and services. Chase then groups several merchant codes together to make a rewards category like dining or travel. This is what determines what will or won’t count in a specific rewards category.

There are a few ways to determine if your upcoming purchase will code as travel.

Chase Travel Rewards Category detail

  • The second way to double-check a merchant code is by using this tool offered by Visa. You can look up a specific business, but you need to have an address. While this tool is a bit finicky, it can be helpful if you are really unsure of a specific purchase’s category.

Hot Tip: Curious about other rewards categories? Check out the Rewards Category FAQ offered by Chase. Although this doesn’t list specific vendors, you should be able to get a good idea of how your purchase will code.

You’ll be earning a lot of Chase Ultimate Rewards points with your Chase Sapphire Preferred and Ink Business Preferred card since the travel category is so broad.

Now that you’ve got all those points, you need to know how to use them. There are 2 main ways to turn your points into flights and hotel stays.

  • Redeem your points in the Chase Travel Portal for flights, hotels, and more. With the Chase Sapphire Preferred card and Ink Business Preferred card, you’ll get 1.25 cents per point in value when you use them in the Chase Travel Portal.
  • To get even more value out of your points you can transfer them to one of the Chase transfer partners . Your Chase Ultimate Rewards points will transfer at a 1:1 ratio to lots of different airline and hotel partners. You can then use those points to book great flights and hotel rooms.

Bottom Line: For more information about getting the most out of your points, check out these great ways to redeem your Chase Ultimate Rewards points for max value.

Having a broad rewards category on your credit card is a great way to earn lots of points. The Chase Sapphire Preferred card and Ink Business Preferred both count a wide range of businesses in the travel category. Everything from flights and hotels to rental cars and parking will earn bonus points on these 2 cards.

With so many different types of purchases that will count as travel, you’ll be racking up big-time points in no time at all!

Frequently Asked Questions

What does chase count as travel.

According to Chase, the following categories count as travel: airlines, hotels, motels, timeshares, car rental agencies, cruise lines, travel agencies, discount travel sites, campgrounds, passenger trains, buses, taxis, limousines, ferries, toll bridges and highways, and parking lots and garages.

Do tours count as travel on the Chase Sapphire Preferred Card?

No, unfortunately sightseeing tours and tourist attractions do not count as a travel expense on the Chase Sapphire Preferred card.

Does gas count as travel on the Chase Sapphire Preferred?

No, gas station purchases do not count as travel on the Chase Sapphire Preferred card or the Ink Business Preferred card. In fact, none of the Ultimate Rewards-earning credit cards count gas as a travel expense.

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About Katie Seemann

Katie has been in the points and miles game since 2015 and started her own blog in 2016. She’s been freelance writing since then and her work has been featured in publications like Travel + Leisure, Forbes Advisor, and Fortune Recommends.

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Credit Card Gurus Share Secrets For Big Rewards On Travel Spending

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Not all of us are born into generational wealth. While people like Darrell Booker are out there helping educate people on how to achieve financial security and abundance, it’s ultimately up to each individual to read up on life hacks and budget tips to save more money. Financial literacy is our responsibility.

If you’re reading this weekly travel hacking column, you’re already on the path!

Hopefully, you’ve scouted out the best travel credit card for you and learned how to find the best airfare deals . But what about the ways to maximize your rewards with travel purchases? With concert-tripping at an all-time high and winter being the season of soaking in spas , use these tips to maximize your rewards on direct travel purchases to help get you there.

Brighton & Mila ( @themilescouple ): Use A Credit Card That Specifically Earns Bonus Points On Hotels & Flights

View this post on Instagram A post shared by BRIGHTON & MILA | Luxury Travel and Credit Card Points (@themilescouple)

The starting point is to use a credit card that specifically earns bonus points on travel categories, such as hotels and flights. Some of these cards include the Capital One Venture X (10x points on hotels booked through the bank portal), the Amex Platinum (5x on flights), etc.

However, to go a step above that you should always check whether there’s a way to stack rewards! For instance, British Airways has a partnership with Airbnb that allows you to earn three Avios per dollar spent. At the same time, for your next weekend getaway, you could buy Airbnb gift cards from a grocery store using a card that earns extra in supermarkets (such as the Amex Gold for 4x), then use the gift card to check out at Airbnb (though we recommend reading up on Reddit and Flyertalk about the pros/cons).

More generally, always check your credit card offers and shopping portals for any limited-time discounts and bonus earnings. Maybe there’s a “Spend $500 get $100 Off at Hilton” stay offer that you could link to your Amex card, or 12% cashback at IHG Hotels & Resort when you use Rakuten, etc. Finding ways to earn bonus points through more than one rewards stream is the easiest way to maximize rewards on travel spending!

Serena Stone ( @passionforpoints ): Use A Card With Embedded Travel Protections

serena stone

When paying for flights or taxes and fees on award travel, I always use a card with embedded travel protection such as trip cancellation and trip interruption coverage. My favorite cards to use for flights are Chase Sapphire Reserve , Chase Sapphire Preferred , or Capital One Venture X . These cards are also great for embedded rental car coverage.

When booking activities, check Cashback Monitor to get the maximum cashback or points for purchasing Viator or Tripadvisor experiences.

When dining, use a credit card that earns you a higher multiple at restaurants. The American Express Gold card earns 4x and the Chase Sapphire Preferred and Reserve earn 3x on dining worldwide.

Also when traveling internationally, always remember to use a card with no foreign transaction fees.

Michele Lowery ( @fancytravelpointers ): Use Hotel Credit Cards While Staying At That Hotel

Michele Lowery

The best time and place to use a hotel credit card is when you are staying at that hotel for a paid stay. Hotel credit cards often earn 5x – 15x+ points per dollar when staying at that hotel. I personally don’t advise putting every day spend on hotel cards, but using them at the actual hotel is where these cards shine in earning points.

Most hotel credit cards come with an annual fee night certificate (after year one), making hotel cards a valuable part of your overall award travel strategy.

Victor Cheng ( @travelhackvic ): Get 10X Points On Car Rentals With Capitol One Venture X

Victor Cheng

You might not need to rent a car on every trip you go on, but when you do, make sure you have Capital One Venture X in your wallet. Capital One Venture X can earn unlimited 10X miles on rental cars when you book through Capital One Travel. This will be a huge bonus whenever you need a car. Better Yet, Venture X cardholders are eligible for complimentary Hertz President’s Circle status, and you can Enroll online for the ability to skip the rental counter, choose from the widest selection of Hertz cars, and get guaranteed upgrades.

However, make sure to always compare the price of the travel portal to the other prices on the internet to make sure it’s competitive before booking.

Ryan Horn ( @profitsandpoints ): Charge All Hotel Expenses To The Room To Ensure Maximize Travel Reward Points

ryan horn

I put absolutely everything I can on a credit card, and I do so strategically by using the right credit card for the right category. When it comes to travel spend, I like to use the Chase Sapphire Reserve , the American Express Green Card , or the Citi Premier card because all three of these cards earn 3x points on most travel spend.

How do I make sure that I get the full 3x points out of most of my purchases when I’m traveling?

Well, if I’m staying at a hotel, I like to charge everything to the room that would otherwise maybe only earn 1-2x points. This ensures that the purchase will be coded as a travel since it’ll appear on my final hotel bill.

Adam Hill ( @adamhillyeah ): “Double Dip” Or Stack Rewards

adam hill

This is a rule that should come with any purchases or and spend you put on your credit cards, but always try to double dip or stack rewards if possible. Anytime you are purchasing a flight, you should be crediting that flight to a specific airline rewards program.

For instance, I typically credit any One World Airline I buy a cash fare on to my American Airlines account but put in my Frequent Flier number and then pay with a card that earns the best return. Depending on the card, you could be earning 2x-5x points back. It is a great idea to do a little research on Airline Alliances and what airlines are in those groups to understand how you can fly on one airline but receive credit for another one. A great website to use is Where To Credit .

I also will typically look for excursions through Viator and I will activate my Rakuten link to earn Amex points and earn points back with the card I’m using to purchase with. This takes a little bit of research to find the best return as well as a bit of strategy for the points currency you are trying to earn.

Allison Tackette ( @luckytictac ): Spend Within Your Means

Allison Tackette

It’s easy to get caught up in spending more and more money to watch your points balances grow. The quicker you earn points the faster you can redeem for flights and hotels. Spend within your means just to earn points. Don’t go into debt for points and miles.

Spencer Howard ( @straighttothepoints ): Don’t Obsess Over Maximizing Every Purchase

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You don’t need to obsess over maximizing every purchase. Yes, it’s great to utilize bonus categories to earn more points on purchases, but it’s not the end of the world if you forget. Points and miles is a fun hobby that can help enhance your travel. It doesn’t need to cause you stress.

Angel Trinh ( @pennywisetraveler ): Use A Credit Card With Built-In Travel Protections

Angel Trinh

If you have any big expenses coming up, ask your friends/family to pay you back for the purchase. You can also get instant card approvals from Amex right away, so you can easily get a lot of points.

Use a credit card that has built-in in travel protections. For example, Chase Sapphire Preferred has the auto collision damage waiver, trip cancellation, trip interruption, trip delay, baggage delay, and lost luggage.

Anytime you buy anything, remember you can layer on points and cash back. For example, for online purchases, you can get cashback/miles from a shopping portal like American Airlines or Rakuten.

If you dine at specific restaurants you can get American Airlines/Southwest/Delta points (you can get only one airline).

Thomas Lonergan ( @travelliketommy ): Strategize Credit Cards To Earn Points Twice

View this post on Instagram A post shared by Thomas Lonergan (@travelliketommy)

This is most lucrative spend to maximize your points earning. We want to earn points not once but twice! One from the credit card being used, the other from the hotel/airline program you are booking with!

Having elite status will amplify this significantly.

For example:

  • I earn a minimum of 23.5x points per dollar when staying at Marriott hotels
  • 10x for being a base member
  • 7.5x bonus for my elite status
  • 6x by paying with my Marriott card
  • I earn a minimum of 34x Hilton points per dollar when staying at Hilton hotels
  • 10x base member
  • 10x elite status bonus
  • 14x paying with my Amex Hilton Aspire card
  • American Airlines: I earn 15x miles per dollar minimum
  • 5x miles for base member
  • 6x bonus miles for exec plat status
  • 4x miles for paying with my Citi AA card
  • United Airlines: I earn 16x miles per dollar minimum
  • 5x miles base member
  • 6x miles bonus for 1k status
  • 5x amex points when paying with my platinum card

Vivian Tu ( @your.richbff ): Transfer Your Points To An Airline Or Hotel Partner

Order “RICH AF: The Winning Money Mindset That Will Change Your Life” here .

Vivian Tu

Don’t redeem your points directly through the credit card. Instead, transfer your points to a hotel or airline and then book your travel there. Sometimes it’s even better to transfer those points and rewards to the hotel and airline’s partners. For example, One World United is an airline “class” for American Airlines, Cathay Pacific, British Airways, Iberia, Japan Airlines, Qatar, Fiji Airways, etc. and it can be cheaper to transfer your points to a transfer partner than booking directly through American Airlines.

  • One World United is partnered with American Airlines
  • Star Alliance is partnered with United Airlines

Angelo Minella ( @paidwithpoints ): Make Sure The Credit Card You’re Using Has Zero Foreign Transaction Fees

angelo minella

When it comes to using a credit card overseas the biggest tip is to make sure you use a card that has zero foreign transaction fees. I also like to bring my travel wallet which consists of more cards than my daily driver wallet.

This travel wallet holds any relevant cards that I may need for lounge access or airline/hotel spend that I don’t have in my everyday wallet that also provide more benefits and points!

Nostalgix’s Ultimate Guide To Vancouver: Where To Eat, Sleep, Party, And Play

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Guide to the chase sapphire lounge at laguardia airport.

10x travel chase business cards

One of the many advantages that comes with being a Chase Sapphire Reserve ® cardmember is the ability to access elevated Sapphire Lounge by The Club airport lounges. In these lounges, you can relax in a sophisticated ambience in between flights or while awaiting initial take-off.

Let's dive into the Chase Sapphire Lounge at LaGuardia Airport (LGA) in New York. We'll give you a guide to this luxurious lounge.

Where is the Sapphire Lounge at LaGuardia Airport?

This lounge is located within Terminal B at LaGuardia Airport. You'll find it post-security on the 4th floor, right before the Eastern Concourse pedestrian bridge. This is the entrance from the terminal.

Top features of the Sapphire Lounge at LGA

Each Sapphire Lounge by The Club features thoughtfully crafted spaces and amenities designed to reflect the character and energy of its host city. Below are some of the fine amenities you can enjoy while traveling.

Local food and beverages

Traveling can build up your appetite, and a delicious meal can go a long way when it comes to making your travels a little less stressful (and a little more enjoyable). At the LGA lounge, you'll have access to the following complimentary items:

  • Fresh and seasonal menus, including select chef-created items from NYC's West Village bistro Joseph Leonard
  • Craft mixologist cocktails from Apotheke and a curated wine list from Parcelle
  • Self-serve and barista-made offerings from NYC-based Joe Coffee

If you're looking to get away from the crowds in the airport, look no further than these stress-free spaces at LGA's Sapphire Lounge:

  • Spaces for working or relaxing on two levels
  • Wellness area featuring facial treatments from Face Haus, meditations from Devi Brown and private rest pods
  • Private and accessible bathrooms
  • Nursing room
  • Family room

In addition to tasty delights and ample room to relax, the LGA lounge offers an array of additional, exciting perks, including:

  • Artworks curated by the JPMorgan Chase Art Collection
  • An in-lounge digital experience where customers scan a QR to order food and beverages to their seat, book a facial treatment, view digital media like newspapers and podcasts, read about lounge partners and provide feedback in a survey about their experience
  • Complimentary, high-speed Wi-Fi

When is the Sapphire Lounge at LaGuardia open?

This lounge is open from 4:30 a.m.–9:30 p.m. daily (note that hours may change).

10x travel chase business cards

How can I access the Sapphire Lounge at LGA?

Chase Sapphire Reserve cardmembers can access the lounge by activating their complimentary Priority Pass™ Select membership before their visit. To do this, go to chase.com/mycardbenefits .

To enter the lounge, show your Priority Pass physical or Digital Membership Card and eligible boarding pass to enter. Once enrolled, cardmembers can find their Priority Pass Digital Membership Card in the Chase Mobile ® app: Go to Benefits > Travel > Explore Lounges.

Can I bring a guest to the lounge?

Chase Sapphire Reserve cardmembers may bring up to two guests at no charge and there's no additional charge for children under two.

The Reserve Suites by Chase

Chase Sapphire Reserve cardmembers can treat themselves, for a fee, to The Reserve Suites at the Sapphire Lounge at LaGuardia Airport in Terminal B. Each of the three suites features:

  • A dedicated host
  • Signature caviar service on arrival
  • Exclusive menus from Jeffrey's Grocery
  • Special selection of wine from Parcelle
  • In-suite entertainment, including TV and speaker
  • Private bathrooms with spa showers
  • Reserve cardmembers can book a suite up to 72 hours prior to flight departure on the Chase Mobile ® app in Benefits & Travel

The Reserve Suites are limited and subject to availability. You may even bring additional guests when you book a Reserve Suite. Note that there are fees to book.

Chase Sapphire Reserve additional travel benefits

On your travels, don't forget to use your Chase Sapphire Reserve card to make the most of your purchases. With Chase Sapphire Reserve, you can earn:

  • 10x points on hotels and car rentals purchased through Chase after the first $300 on travel is spent annually
  • Earn 3x points on other travel after the first $300 is spent on travel purchases annually
  • Earn 3x points on dining, including eligible delivery services and takeout.

Regardless of where you travel, the Chase Sapphire Lounge is a welcome oasis from the stressful, bustling noise that comes with traveling. If you're traveling from NYC, the LGA lounge is open and available to cardmembers looking to escape and unwind.

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  • credit card basics

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At a glance

  • Pros and cons of the U.S. Bank Altitude® Reserve Visa Infinite® Card
  • Who’s the card best for?

Who should skip it?

  • A closer look at the U.S. Bank Altitude® Reserve Visa Infinite® Card

Alternative credit cards

  • How U.S. Bank Altitude® Reserve Visa Infinite® Card compares to other cards

The bottom line

Why You Can Trust CNET Money

CNET editors independently choose every product and service we cover. Though we can’t review every available financial company or offer, we strive to make comprehensive, rigorous comparisons in order to highlight the best of them. For many of these products and services, we earn a commission. The compensation we receive may impact how products and links appear on our site.

U.S. Bank Altitude® Reserve Visa Infinite® Card: Premium Benefits at a Premium Price

This travel card is best for frequent travelers who crave convenience when it comes to their rewards..

Holly Johnson

Holly Johnson

Contributor

Holly Johnson is a credit card expert and writer who covers rewards and loyalty programs, budgeting, and all things personal finance. In addition to writing for publications like Bankrate, CreditCards.com, Forbes Advisor and Investopedia, Johnson owns Club Thrifty and is the co-author of "Zero Down Your Debt: Reclaim Your Income and Build a Life You'll Love."

Evan Zimmer

Evan Zimmer

Staff Writer

Evan Zimmer has been writing about finance for years. After graduating with a journalism degree from SUNY Oswego, he wrote credit card content for Credit Card Insider (now Money Tips) before moving to ZDNET Finance to cover credit card, banking and blockchain news. He currently works with CNET Money to bring readers the most accurate and up-to-date financial information. Otherwise, you can find him reading, rock climbing, snowboarding and enjoying the outdoors.

U.S. Bank Altitude® Reserve Visa Infinite® Card

U.S. Bank Altitude® Reserve Visa Infinite® Card

The U.S. Bank Altitude® Reserve Visa Infinite® Card* requires a hefty $400 annual fee, yet its numerous travel perks and the flexibility of its rewards make it easy to extract value. Not only does the card offer up to $325 in statement credits toward eligible travel and dining purchases each year (including takeout and delivery), but users get a fee credit toward Global Entry or TSA PreCheck membership and eight visits to Priority Pass airport lounges annually

New cardholders can also earn 50,000 points after spending $4,500 on new purchases within 90 days of account opening. This bonus can help you justify the card’s annual fee during year one.

The U.S. Bank Altitude® Reserve Visa Infinite® Card makes it easy to maximize rewards if you spend a lot on travel or use a mobile wallet for most of your spending.

The flexibility of the points you earn will also be a major draw for some consumers. Cardholders can redeem points for travel, gift cards, live events and cash back. Points are also worth 1.5 cents each when redeemed for travel through the U.S. Bank travel portal. If you can earn it through normal spending, the card’s welcome offer of 50,000 points after spending $4,500 in the first 90 days would be worth $750 in travel.

However, there’s one area where the U.S. Bank card falls completely flat. Unlike premium travel credit cards from American Express, Capital One and Chase that charge high annual fees, this card doesn’t have airline or hotel transfer partners. Partner transfers often can lead to more value for premium cardholders.

Other premium travel credit cards also have broader airport lounge memberships with unlimited visits each year, whereas the eight Priority Pass visits you get with the U.S. Bank Altitude® Reserve Visa Infinite® Card could run out quickly for frequent travelers.

Pros and cons of the U.S. Bank Altitude® Reserve Visa Infinite® Card

Consider the advantages and disadvantages of the U.S. Bank Altitude® Reserve Visa Infinite® Card before you apply.

Comes with up to $325 in annual credits for eligible travel and dining

Points are worth 1.5 cents each when redeemed for travel

Comes with premium travel benefits including albeit limited airport lounge access

Rewards are flexible

$400 annual fee

Can’t transfer points to airlines or hotels

Limited to eight airport lounge visits each year

Typically requires very good to excellent credit

Who’s the card best for?

  • Consumers who spend a lot on mobile wallet purchases. If you make a lot of purchases with Apple Pay, Google Pay or Samsung Pay throughout the year, earning 3X points on these purchases can increase your rewards quickly.
  • People who spend a lot on travel. The U.S. Bank Altitude Reserve Visa Infinite also earns 5X points on prepaid hotels and car rentals booked through U.S. Bank, plus 3X points on other eligible travel purchases.
  • Cardholders who prioritize rewards flexibility. This card’s flexible rewards program lets you redeem your points for travel, gift cards, live events and cash back.
  • Frequent travelers who want airline and hotel transfer partners. If you want access to airline and hotel partners, you’ll have to look at alternative cards like The Platinum Card® from American Express , the Chase Sapphire Reserve® or the Capital One Venture X Rewards Credit Card *.
  • Jetsetters who need unlimited airport lounge visits each year. If you fly more than eight times per year and stop in a lounge every time, you may be better off with a premium travel credit card that offers unlimited visits to airport lounges.
  • People with imperfect credit. U.S. Bank says the U.S. Bank Altitude Reserve Visa Infinite is for people with a credit score in the good to excellent range , so it won’t work for everyone.

A closer look at the U.S. Bank Altitude® Reserve Visa Infinite® Card

If you’re on the fence about the U.S. Bank Altitude® Reserve Visa Infinite® Card, knowing its features and benefits could help you reach a decision. Let’s dive into the specifics of this card’s rewards program, perks and fees.

Rewards and redemption

Cardholders earn 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center, 3X points on eligible travel purchases and mobile wallet spending with Apple Pay, Google Pay and Samsung Pay, and 1X points on other purchases.

Points are worth 1.5 cents each when redeemed for airfare, hotels and other travel through U.S. Bank. Other redemption options include gift cards, live events and cash back. 

This rewards program is hindered by the lack of point transfers. Oftentimes, cardholders can find a per-point value of 2 cents or more with other issuers by transferring their travel points to partner airlines or hotels. By not allowing point transfers, it’s almost guaranteed that another card would yield more value.

However, if you’re someone who doesn’t want to go through the extra hoops of transferring your points, this could be a simpler option that still provides an above-average per-point value for standard redemption options.

U.S. Bank travel partners

The U.S. Bank Altitude® Reserve Visa Infinite® Card doesn’t have any airline or hotel transfer partners, which puts it at a disadvantage when you compare it to other premium travel credit cards. 

Welcome bonus

The U.S. Bank Altitude® Reserve Visa Infinite® Card starts new customers off with 50,000 points when they spend $4,500 on purchases within 90 days of account opening. This bonus is worth $750 in travel through U.S. Bank.

It’s on par with some of its competitors, but you could likely squeeze more value from another card’s bonus depending on how you redeem it.

The U.S. Bank Altitude® Reserve Visa Infinite® Card doesn’t charge foreign transaction fees 

Fees that can apply include:

  • Annual fee : $400
  • Balance transfer fees : 3% ($5 minimum)
  • Convenience check cash advance fees : 3% ($5 minimum)
  • Cash advance fees : 5% ($10 minimum)
  • Late payment fees : Up to $41
  • Returned payment fees : Up to $41

Other card perks

While this card doesn’t have a ton of built-in perks or features, there are enough benefits to come close to covering the annual fee each year. Cardholders get:

  • Up to $325 in eligible travel and dining statement credits : These credits are automatically applied to your account when you make travel and dining purchases on your card, so they are easy to use.
  • Fee credit toward Global Entry or TSA PreCheck membership : This credit is available for cardholders every four years.
  • Priority Pass visits : Cardholders get eight visits to more than 1,300 Priority Pass airport lounges each year.
  • Visa Infinite benefits : Cardholders get Visa Infinite benefits like primary auto rental coverage, trip cancellation and interruption insurance, travel accident insurance, travel delay reimbursement, and lost luggage reimbursement.

If you’re looking for a premium travel credit card that has travel benefits and flexible rewards, there are other options to consider. 

Chase Sapphire Reserve®

The Chase Sapphire Reserve® has a higher $550 annual fee, but it comes with benefits like up to a $300 annual travel credit and a Priority Pass Select airport lounge membership with unlimited visits each year. 

Points earned with this card are worth 1.5 cents each if you redeem them for travel through Chase Ultimate Rewards. However, cardholders can also transfer their points to Chase airline and hotel partners like British Airways, Southwest Rapid Rewards, Marriott Bonvoy and World of Hyatt where they could be worth more. 

This card also features generous rewards for travel and dining, and new cardholders earn 60,000 points worth $900 in travel when redeemed through Chase after they spend $4,000 on purchases within three months of account opening.

Capital One Venture X Rewards Credit Card  

The Capital One Venture X costs $395 per year, so it’s more affordable than the U.S. Bank Altitude® Reserve Visa Infinite® Card. It also comes with an up to $300 annual travel credit for bookings through Capital One, a fee credit toward Global Entry or TSA PreCheck membership, a Priority Pass Select membership with unlimited visits and access to Capital One airport lounges.

Members can also earn 75,000 bonus miles after spending $4,000 on purchases within three months of account opening. When it comes to redeeming miles, options include gift cards, merchandise, statement credits, travel through Capital One or mile transfers to Capital One airline and hotel partners.

How U.S. Bank Altitude® Reserve Visa Infinite® Card compares to other cards

Chase Sapphire Reserve®

Capital One Venture X Rewards Credit Card

The U.S. Bank Altitude® Reserve Visa Infinite® Card is worth considering if you want a travel credit card with premium benefits and flexible rewards. However, you’ll have to give up the option to transfer your rewards to airline and hotel partners and redeem your points directly through U.S. Bank instead.

While not having access to airline and hotel partners may be a deal-breaker for some, using points to book travel through a portal may be more convenient and flexible for others. In fact, credit card travel portals let you redeem your rewards with a large selection of airlines and hotels with no blackout dates. You also get to choose your redemption based on your preferences and the cost in points instead of being tied down to a specific program.

The U.S. Bank Altitude® Reserve Visa Infinite® Card also gives you 50% more value when redeeming points for travel through its portal, which can help you get more bang for your buck. With the up to $325 in statement credits toward eligible dining and travel and Priority Pass visits you get each year, you should have no problem justifying the card’s $400 annual fee.

The U.S. Bank Altitude® Reserve Visa Infinite® Card doesn’t have any transfer partners.

Points earned with the U.S. Bank Altitude® Reserve Visa Infinite® Card are worth 1.5 cents each when redeemed for travel with U.S. Bank. Other redemption options have a value of one cent per point.

Perks that offset the annual fee on the U.S. Bank Altitude® Reserve Visa Infinite® Card include up to $325 in statement credits toward eligible dining and travel each year, eight Priority Pass visits each year and a fee credit toward Global Entry or TSA PreCheck membership every four years.

*All information about the U.S. Bank Altitude® Reserve Visa Infinite® Card and the Capital One Venture X Rewards Credit Card has been collected independently by CNET and has not been reviewed by the issuer.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

Capital One Venture X Business Card review: A premium travel card with a reasonable annual fee

Photo of Capital One Venture X Business Card on a blue and pink abstract background

Fortune Recommends™ has partnered with CardRatings for our coverage of credit card products. Fortune Recommends™ and CardRatings may receive a commission from card issuers.

Our take: The Capital One Venture X Business offers exceptional rewards, solid benefits and versatile redemption options. However, the annual fee might be steep for those who don’t maximize the travel perks.

Capital One Venture X Business

Intro bonus.

  • 10x 10X miles on hotels and rental cars
  • 5x 5X miles on flights booked through Capital One Travel
  • 2x 2X miles on all other purchase
  • Annual $300 travel credit helps offset the annual fee
  • Airport lounge access
  • Capital One Miles require effort to maximize
  • Limited cash redemption options
  • Travel protections including car rental insurance, trip cancellation/interruption and travel delay protection

Capital One Venture X Business Card Overview

Card type: Business

The Capital One Venture X Business Card offers an appealing blend of rewards, flexibility, and travel perks. With a generous rewards structure, cardholders earn up to 10X miles on purchases through Capital One Travel bookings, making it a dream for businesses with large travel expenditures. The 2X miles on all other purchase ensures that every business expense contributes to a growing stash of miles. 

The card’s $395 annual fee is reasonable compared to other premium cards, thanks to recurring benefits like a $300 Capital One Travel credit, comprehensive airport lounge benefits and 10,000 bonus miles every card anniversary. 

One of the standout features is the card’s versatility in redeeming rewards. Beyond the standard travel purchases, cardholders can redeem their miles for statement credits, offering a straightforward way to offset expenses. For those seeking a bit more value, the option to transfer miles to various airline and hotel loyalty programs opens up more premium travel opportunities. Overall, the Venture X Business Card is a standout choice for business owners who want a premium credit card at a reasonable annual fee. 

Who is the Capital One Venture X Business card good for? 

The Capital One Venture X Business card is an excellent fit for frequent business travelers who prioritize flexibility and value in their rewards. It’s ideal for those who frequently spend on travel-related expenses like hotels and rental cars since it offers up to 10X miles through Capital One Travel. Additionally, the 2X miles on all other purchase ensure you’ll earn simple yet elevated rewards no matter what your business spending needs are. 

Capital One miles offer a wide array of redemption options and travelers will find the ability to transfer their earnings to rewards partners can help them stretch their value even further. Plus, the included lounge access and trusted traveler application fee credits can smooth out the rough edges that come with traveling through airports.  

Who shouldn’t get the Capital One Venture X Business card? 

The Capital One Venture X Business card may not be the best fit for those who never travel or spend on travel, as the greatest earning potential comes from spending on prepaid hotels and rental cars through Capital One. Additionally, the best redemption value for your miles will come from spending on travel or transferring to travel partners to use on travel. 

The card offers abundant travel benefits, but they come at a cost. Businesses seeking a lower annual fee in exchange for more pared-down benefits should consider a different card. Plenty of cards earn 2X rewards or more on business spending with a lower or no annual fee. If you don’t travel enough to make the most of the rewards structure or  the extra benefits, look to  a different card. 

Capital One Venture X Business card: How to earn rewards

The Capital One Venture X Business card earns an unlimited 10X miles on hotels and rental cars booked through Capital One Travel, 5X miles on flights booked through Capital One Travel , and 2X miles on all other purchase . These miles can be redeemed in numerous ways, including travel purchases, statement credits or transferred miles to several partner airline and hotel loyalty programs, maximizing their utility.

The Venture X Business Card has one the highest welcome bonuses of any credit card, offering up to 300,000. This bonus can be redeemed for travel bookings or transferred to airlines and hotel partners for additional value. Cardholders also receive 10,000 bonus miles every anniversary year and $300 annual credit for booking through Capital One Travel . These bonuses easily offset the $395 annual fee, making it an excellent choice for businesses seeking elevated rewards and travel perks.

How to redeem Capital One Venture X Business card rewards 

The Capital One Venture X Business card earns Capital One miles, which offer flexible redemptions. Cardholders can redeem miles for cash back , travel bookings, gift cards, and merchandise or transfer them to 18 airline and hotel partners. While transfers to loyalty partners are typically the best option for maximizing value, there are times when the other options might make sense. Here’s a closer look at the ways to redeem Capital One miles:

Transfer to airline and hotel partners

For those seeking a more tailored travel experience, the Venture X Business Card offers the ability to transfer miles to various partner airline and hotel loyalty programs. This opens doors to leveraging miles within these programs for flights, hotel stays, upgrades and more. Capital One has 18 airline and hotel transfer partners and some of the best include Air France-KLM Flying Blue, Turkish Airlines Miles&Smiles and Virgin Red. Through these programs, you can get some of the lowest award redemption rates on both domestic and international flights.

Capital One Travel

Redeeming Capital One miles through Capital One Travel is a great option because it requires no learning curve. All that’s required is that you log into the site, book your travel and use miles at checkout to pay. Miles are worth one cent each towards Capital One Travel bookings, which isn’t the highest value but it is one of the easiest ways to use them. If you’re booking a flight, you’ll even earn miles through your preferred airline as long as you provide your frequent flyer number.

Travel purchases

Venture X Business cardholders can easily redeem their miles to cover travel expenses by using their card for eligible purchases like flights, hotels and car rentals. Once the transaction appears on the statement, they can offset it by redeeming their miles for a statement credit at 1 cent per mile. This flexibility allows for a direct reduction in travel expenses, without worrying about award availability or blackout dates. Note that to redeem your miles as a statement credit for past travel, you have to do within 90 days of when the travel charge posted to your account.

Another straightforward option is to redeem miles for statement credits, effectively reducing the balance of previous purchases made with the card. This flexibility allows for a direct reduction in business expenditures. Redemptions made as a cash-back statement credit are typically worth 0.6 cents per mile and is generally not the recommended way to redeem your miles. Merchandise

Capital One has a merchandise portal where cardholders can redeem miles at 0.8 cents each towards designer perfumes, household items, clothing and everything in between.

Apple products

Capital One has a special portal where cardholders can redeem miles for Apple products at 0.8 cents per mile. It’s identical to the online Apple store, with the same product offerings. 

Experiences

Capital One Experiences is a ticketing platform where cardholders can book tickets to concerts, sporting events, theater shows and other live events. For example, when Taylor Swift announced her highly-anticipated Eras tour, Capital One cardholders got access to an exclusive ticket stash courtesy of this program. Clearly, it can be valuable for highly-coveted event tickets. Using your Capital One miles through the Experiences portal gets you 0.8 cents per mile in value–definitely not the best, but an option if you want to save money on event tickets.

Capital One miles are worth 0.8 cents per mile for gift card redemptions. Again, this is not a good redemption value. If you regularly find yourself redeeming miles this way, you might be better off having a no-annual-fee cash-back card .

Amazon and PayPal checkout

Venture X Business cardholders can redeem Capital One miles through Amazon or PayPal checkout at 0.8 cents each.

Capital One Venture X Business card rates and fees

  • Annual fee: $395
  • Foreign transaction fee: None
  • Purchase APR: None. Balance is due in full every month.

Additional benefits

  • Annual travel credit: Up to a $300 annual credit for booking through Capital One Travel .
  • Annual bonus: Cardholders receive 10,000 bonus miles every anniversary year.
  • Trusted traveler program credit: Cardholders receive up to $100 every four years towards TSA Precheck or Global Entry application fee credit.
  • Lounge access: Cardholders receive unlimited access to Capital One lounges and Priority Pass Select membership.

Credit cards similar to the Capital One Venture X Business card

While the Capital One Venture X Business card provides exceptional value for the $395 annual fee, some small businesses might prefer a card with a lower annual fee or with different benefits. The good news is that there are numerous business cards that earn double rewards on all spending and meet the low-annual fee criteria. Here’s a look at credit cards that are similar to the Venture X Business card:

Capital One Spark Miles Credit Card vs. Capital One Venture X Business

The Capital One Spark Miles and the Capital One Spark Miles for Business are both tailored for business owners. One notable similarity is that both cards earn unlimited 2X miles on every purchase. However, the Venture X Business card offers 5X miles on flights and 10X miles on hotels and rental cars booked through Capital One Travel. The Spark Miles Select has a lower annual fee of $0 intro annual fee for the first year, then $95 after and a lower earning rate of an unlimited 5X miles on hotels and rental cars booked through Capital One Travel and 1.5X miles on every other purchase.

The Capital One Spark Miles 2X card also has a lower welcome bonus of 50,000 miles after spending $4,500 within the first three months of account opening. This is less than half of the welcome bonus offered by the Venture X card, but the spending threshold to earn it is far more attainable.. The card also comes with a $100 credit towards Global Entry or TSA Precheck application fees every four years. Overall, the card is more practical and aimed at those who want to earn elevated rewards without added costs or bells and whistles.

The Blue Business® Plus Credit Card from American Express vs. Capital One Venture X Business

Both The Blue Business® Plus Credit Card from American Express and the Capital One Venture X Business card are excellent options for business owners.. Like the Capital One Venture X Business card, the Blue Business® Plus card also earns 2X points on all spending, though that reward rate is limited to the first $50,000 spent per calendar year. All other purchases earn 1 point per dollar spent.

The card also has a substantially smaller welcome bonus of just 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. American Express even has more transfer partners than Capital One does (21 vs. 18), though the two programs share 12 transfer partners in common: Aeromexico Club Premier, Air Canada Aeroplan, Air France-KLM Flying Blue, Avianca LifeMiles, British Airways Executive Club, Cathay Pacific Asia Miles, Choice Privileges, Emirates Skywards, Etihad Guest, Qantas Frequent Flyer, Singapore Airlines KrisFlyer and Virgin Red.

In exchange for a potentially lower rewards rate, Amex Blue Business Plus cardmembers pay no annual fee and also receive a 0% intro APR on purchases for 12 months from date of account opening (then a variable APR of 18.49%–26.49%) . This card is a great lower cost alternative to the Capital One Venture X Business, providing elevated rewards on the first $50,000 spent and access to many of the same transfer partners as Capital One. 

To view rates and fees of The Blue Business® Plus Credit Card from American Express, see  rates and fees.

Is the Capital One Venture X Business card right for you?

The Capital One Venture X Business card might be right for you if you’re looking for a travel rewards  credit card with premium perks and an annual fee significantly lower than what you’ll find on other premium travel cards. It’s an ideal fit if you spend substantially on travel-related expenses like hotels and rental cars, as the card offers an impressive 10X miles on purchases through Capital One Travel. Additionally, the 2X miles on all other purchase can be a great way to earn miles on all of your business spending, no matter how varied.

Moreover, this card is a gem for those who value flexibility in their rewards. The ability to redeem miles for travel purchases, statement credits, or transfer them to various airline and hotel loyalty programs provides versatility, and can amplify the value of earned miles when transferred to travel partners. Beyond rewards, the Venture X Business card’s suite of travel benefits, including statement credits for a Global Entry or TSA PreCheck application fee, and an annual travel credit, adds value for those who can benefit from the perks.

 If you want a business card with a massive welcome bonus, lucrative travel perks and high earning potential on everyday spending, the Venture X Business card is worth considering.

Frequently asked questions

Is the venture x business card worth getting.

The Venture X Business card can be worth getting if you can get enough value from the card’s perks and rewards to justify the $395 annual fee.

Can the Capital One Venture X Business card be used for business?

The Capital One Venture Card can be used for business, even though it’s a personal credit card. However, since it’s best to keep personal and business spending separate, we recommend not using the Venture X Business Card for business expenses.

Is the Capital One Venture X Business card the same as Capital One Elite Travel Spark?

The Capital One Venture X Business card is a revamped version of the Capital One Elite Travel Spark Card, which is no longer an active product.

Please note that card details are accurate as of the publish date, but are subject to change at any time at the discretion of the issuer. Please contact the card issuer to verify rates, fees, and benefits before applying.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefits guide for more details. Underwritten by Amex Assurance Company.

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Guide to business credit cards

Best business credit cards of february 2024, getting a business credit card is easier than you think. here's how, should you use a credit card to start your business, which business credit cards report to dun & bradstreet, what is a secured business credit card and how can one benefit your business finances, marriott bonvoy business card free night offer: 5 nights for a limited time, united business card review: plenty of perks at a reasonable annual fee, world of hyatt business card review: an obvious addition to your corporate wallet if you’re already booking hyatt for business., capital one spark miles select for business review: a world of travel opportunities with no annual fee, chase ink business preferred: stellar travel perks for a low annual fee, capital one spark miles for business review: earn unlimited 2x miles on business expenses, american express blue business cash review: maximize business spending with 2% cash back rewards and no annual fee.

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  1. Chase business cards now useable with digital wallets

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  2. The 5 Best Chase Business Credit Cards For Travel

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  4. Chase Travel Rewards Credit Cards: A Complete Guide

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  5. Chase Small Business Card

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  2. Best Credit Cards 2023

COMMENTS

  1. Chase Ink Business Preferred® Credit Card

    Use 10xTravel's straightforward assessment of Chase Ink Business Preferred® Credit Card. Our detailed review is here to guide your decision.

  2. Chase Ink Business Unlimited® Credit Card

    Chase Ink Business Unlimited® Credit Card - 10xTravel Chase Ink Business Unlimited® Credit Card Back to All Cards Learn How to Apply Advertiser Disclosure Current Offer $750 bonus cash back after you spend $6,000 in 3 months Annual Fee: $0 Terms Apply. How to Earn Rewards 1.5% Earn unlimited 1.5% Cash Back rewards on every purchase Our Take

  3. Best Business Credit Cards

    You can choose from no annual fee business cards to premium business cards. Basically, for every personal card out there you can find a nearly identical business card. This virtually doubles the amount of points that you can earn.

  4. Chase Ink Business Cash® Credit Card

    $750 bonus cash back after you spend $6,000 in 3 months Annual Fee: $0 Terms Apply. How to Earn Rewards 5% Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. 2%

  5. Best Business Cards for Travel

    Receive a 10% rewards bonus on miles earned from card purchases when your business has an eligible Bank of America® small business account. Includes travel accident insurance, auto rental insurance, emergency ticket replacement, lost-luggage assistance and legal and medical referrals abroad No foreign transaction fees Cons

  6. Home

    Best Hotel Cards; Best Travel Cards; Best Business Cards; Best Cash Back Cards; Resources. 10xTravel+ Award Space Alerts; Award Booking Service; Card Match; Credit Repair; Headlines; ... Chase Ink Business Cash® Credit Card. $750 bonus cash back. after you spend $6,000 in 3 months. Learn More.

  7. Best Credit Cards (February 2024)

    Chase Ink Business Preferred® Credit Card Current Offer 100,000 Chase Ultimate Rewards Points® after you spend $8,000 on purchases in the first 3 months after account opening Annual Fee: $95 Terms Apply. How to Earn Points 10xT Thoughts

  8. Your guide to the Chase Ink Business credit cards

    THE POINTS GUY. Rewards: Earn 5% cash back on travel purchased through Chase Travel, 2.5% cash back on purchases of $5,000 or greater and 2% cash back on all other eligible purchases. Who should apply? The Ink Business Premier is the newest and most premium offering in the Chase business card family, carrying a $195 annual fee.. Unfortunately, the Ink Business Premier does not earn fully ...

  9. Best Business Travel Credit Cards of February 2024

    Our top overall picks See Options on Nerdwallet's secure site Here are the best business travel credit cards from our partners Smart money moves for your small business Grow your small...

  10. Best Chase Business Credit Cards Of February 2024

    With high flat-rate cash back earned on most purchases and a bonus on purchases over $5,000, the Ink Business Premier℠ Credit Card can offer serious rewards for the right business. Rewards: Earn ...

  11. Best Chase Business Credit Cards of February 2024

    Chase business credit cards offer competitive cash-back and travel rewards. And Chase sweetens the pot with big-time sign-up bonuses, like this offer for the Ink Business Premier℠...

  12. Best Business Credit Cards for Travel of February 2024

    Best Business Travel Credit Cards of February. Ink Business Preferred® Credit Card: Best business credit card overall. The Business Platinum Card® from American Express: Best business credit ...

  13. How to Find the Best Business Credit Card for Travel

    A business credit card, such as the Chase Ink Business Preferred ®, allows you to redeem earned points to pay for flights. Another option is by applying for a business travel rewards credit card that offers a companion fare. This may be a good choice if you have multiple employees traveling together.

  14. Chase Travel Portal: What You Need to Know

    The Chase Ultimate Rewards® travel portal is just one of the ways to book travel with your points. It has pros and cons, so find out when you should use it.

  15. Chase Sapphire Reserve vs. Ink Business Preferred: Credit card

    Chase Sapphire Reserve vs. Ink Business Preferred welcome bonus. The Chase Sapphire Reserve is currently offering 60,000 bonus points after you spend $4,000 in the first three months from account opening. TPG values Ultimate Rewards points at 2 cents each, making this offer worth a valuable $1,200.

  16. Compare Business Credit Cards

    Unlimited 1.5% cash back rewards on every purchase made for your business - with this no annual fee credit card. APR 0% intro APR for 12 months from account opening on purchases. † After that, 18.49 %- 24.49 % variable APR. † ANNUAL FEE $0 † Apply Now Learn more † Pricing & Terms Rewards Program Agreement (PDF)

  17. Ink Business Preferred and Ink Business Cash are a great pair

    Benefit details. Ink Business Preferred. Ink Business Cash. Sign-up bonus. 100,000 bonus points after you spend $8,000 on purchases in the first three months after account opening. $750 cash back after you spend $6,000 on purchases in the first three months of account opening. Annual fee. $95. None.

  18. Chase Ink Business Preferred® Credit Card Review

    The Ink Business Preferred® Credit Card is an attractive card for any business owner. In addition in earning 3X points on up to $150,000 pro year in special categories like advertising and verkehr, you'll enjoy redeeming your Ultimate Rewards for 25% more than the standard cashback judge.

  19. How to apply for a business credit card

    Fortunately, the answer is no. Even sole proprietors can open (and use) a business credit card. It doesn't matter your profession — you could be a freelance writer, a ride-share driver working a side gig or a brick-and-mortar business owner with multiple employees.

  20. Chase Sapphire Reserve®

    Rewards Rates. 10x Earn 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®. 5x Earn 5x total points on flights through Chase Ultimate Rewards®. 3x Earn 3x points on other travel and dining. 1x Earn 1 point per $1 spent on all other purchases. Intro Offer.

  21. Best Chase Credit Cards 2024

    Foreign transaction fee: 0%. The Chase Sapphire Preferred card comes with a $95 annual fee, but offers plenty of chances to earn rewards, including 3 points per dollar on dining, select streaming ...

  22. What Purchases Count as Travel on Chase's Credit Cards? [2023]

    The Chase Sapphire Preferred card and Ink Business Preferred both count a wide range of businesses in the travel category. Everything from flights and hotels to rental cars and parking will earn bonus points on these 2 cards. With so many different types of purchases that will count as travel, you'll be racking up big-time points in no time ...

  23. Business Premier Rewards

    10X points at IHG ® Hotels & Resorts with the IHG One Rewards Premier Business Credit Card. Up to 10X points from IHG ® for being an IHG One Rewards member. Up to 6X points from IHG ® with Platinum Elite status, a benefit of this Card. Plus, points on other purchases: 5X points. On travel, dining, social media and search engine advertising ...

  24. [Expired] Chase Spending Offers: Up To 10x Points (10/1

    Got 7000/5000 points for $105 Chase Travel spend on each of Freedom Flex, Freedom Unlimited and Sapphire Reserve through 1/31/24. Marriott Boundless got 5X for groceries, gas, Amazon through 12/31/23. United and OG Freedom - Nada, likely due to recent usage. It'll also be Costco and PayPal time for both Freedom cards Q4 categories.

  25. Credit Card Gurus On Maximizing Rewards On Travel Spending

    The starting point is to use a credit card that specifically earns bonus points on travel categories, such as hotels and flights. Some of these cards include the Capital One Venture X (10x points ...

  26. Guide to the Chase Sapphire Lounge at LaGuardia Airport

    On your travels, don't forget to use your Chase Sapphire Reserve card to make the most of your purchases. With Chase Sapphire Reserve, you can earn: 10x points on hotels and car rentals purchased through Chase after the first $300 on travel is spent annually; Earn 3x points on other travel after the first $300 is spent on travel purchases annually

  27. U.S. Bank Altitude® Reserve Visa Infinite® Card: Premium ...

    This card also features generous rewards for travel and dining, and new cardholders earn 60,000 points worth $900 in travel when redeemed through Chase after they spend $4,000 on purchases within ...

  28. Capital One Venture X Business Card review: A premium travel card with

    The Capital One Venture X Business Card offers an appealing blend of rewards, flexibility, and travel perks. With a generous rewards structure, cardholders earn up to 10X miles on purchases ...