Now that summer is officially here, are you gearing up for a busy season of conferences, client meetings, or networking events? Whether it’s flying cross-country for a pitch, attending an international trade show, or working remotely from a new city, the right business travel credit card can transform your travel into a cost-effective, perk-filled experience. These cards not only help you earn valuable points or miles on business expenses, but they also offer premium benefits like lounge access, travel insurance, and statement credits. These perks will simplify and upgrade your professional travel routine.
In my role as the Chief Information Officer at TheCardsGuy.com (a comprehensive credit card resource), I’ve seen how strategic card selection can yield significant savings and streamline travel for entrepreneurs and professionals alike. With the right card, business travelers can offset costs on flights, hotels, and transportation while enjoying next-level convenience. Here’s what to know about the best business travel credit cards for summer 2025, and how to maximize their perks for a productive and rewarding travel season.
Top Business Travel Credit Cards for Summer 2025
With so many cards on the market, it can be challenging to find the one that best fits your business travel goals. Below are seven standout credit cards, each offering a unique mix of rewards, protections, and efficiency for frequent business travelers.
Chase Ink Business Preferred® Credit Card
This credit card is best for flexible business travel rewards and professionals just starting out in the points game. As a sign-up perk, it offers 100,000 bonus points after spending $8,000 in the first 3 months, worth $1,250 when redeemed through Chase Travel℠. Additional rewards include 3x points on travel, shipping, internet/cable services, and advertising purchases. The annual fee is just $95.
This card remains a top choice among business owners for its strong rewards and flexibility. Points transfer to airline and hotel partners like United and Hyatt, and valuable perks like trip cancellation insurance and primary rental car coverage make this a reliable tool for frequent business trips.
Capital One Spark Miles for Business
This card is a must-have for simplicity and consistent value on every business purchase. New users earn 50,000 miles after spending $4,500 in 3 months. You also earn 2x miles on every purchase, which can be redeemed via Capital One Travel or used to “erase” past travel expenses. The card supports transfers to 15+ airline partners and has no foreign transaction fees. Annual fee: $0 first year, then $95.
Business travelers who don’t want to track categories will love the flat-rate earning. It’s perfect for consultants, solopreneurs, or businesses with diverse monthly expenses.
Capital One Venture X Business
This card is ideal for professionals who want premium perks without the ultra-premium price tag. It offers 75,000 miles after spending $4,000 in 3 months. Earn 10x miles on hotels and rental cars booked through Capital One Travel, 5x on flights, and 2x on all other purchases. The $395 annual fee is offset by a $300 annual travel credit.
Business perks include unlimited Priority Pass and Capital One Lounge access, 10,000 anniversary bonus miles, and travel protections. This is a great card for entrepreneurs flying frequently and seeking comfort and efficiency during their business trip.
American Express® Business Gold Card
This card is a must for business travelers with variable spending. Earn 70,000 Membership Rewards points after spending $10,000 in 3 months. You earn 4x points on your top two spending categories, including airfare, gas, tech, and restaurants. Other perks include airline incidental credits and access to Amex’s travel partner network. Annual fee: $375.
Professionals who spend across different categories each month will appreciate the automatic bonus flexibility, while rewards can be transferred to partners like Delta, British Airways, and more.
U.S. Bank Business Altitude™ Connect
Ideal for road warriors and domestic travelers, this card offers 50,000 points after spending $3,000 in the first 3 months. You’ll earn 4x points on travel and gas stations and 2x on dining, streaming, and transit. Benefits include 4 free Priority Pass visits per year, $100 TSA PreCheck/Global Entry credit, international mobile data access, and cell phone protection.
With a $0 intro annual fee (then $95), this is a fantastic value card for small business owners who are often on the go, especially by car or domestic flights.
Chase Freedom Unlimited® (Companion Card)
Though not a business card, this is a perfect companion to a Chase Ink Business Preferred®. Earn $200 (or 20,000 points) after spending $500 in 3 months. You’ll also get 5% cashback on Chase Travel purchases, 3% on dining and drugstores, and 1.5% on everything else. No annual fee.
Pairing this card with a Chase business card lets you turn cashback into Ultimate Rewards points. This is perfect for small business owners or side hustlers looking to stack points across personal and business expenses.
United℠ Business Card
This is the go-to card for loyal United flyers. You’ll earn 60,000 miles after spending $3,000 in 3 months. Earn 7x miles on United flights, 5x on United Hotels, and 2x on dining and business purchases. Get free first checked bags, 2 United Club passes annually, and priority boarding. Annual fee: $0 first year, then $150.
If you or your team regularly flies United, this card delivers convenience, upgrades, and solid mile accumulation for future business trips.
What to Look for in a Business Travel Credit Card
Choosing the right card depends on your company’s travel patterns and priorities. Here’s what to focus on when evaluating your options:
A Strong Sign-Up Bonus
Large intro offers can offset upcoming flight or hotel costs. Bonuses worth 50,000–100,000 points can easily save your business $750 or more.
Bonus Categories That Match Your Business
Pick a card that aligns with your biggest expenses, whether that’s flights, digital ads, gas, or client meals.
Flexible Redemption Options
Cards that allow point transfers to airline and hotel partners (like Amex and Chase) offer maximum booking flexibility and often higher redemption value.
No Foreign Transaction Fees
If you or your employees travel internationally, make sure to avoid cards that charge foreign transaction fees, which can add up quickly.
Built-in Travel Protections
Look for cards that offer trip delay coverage, baggage insurance, and rental car protection, which are all essential for minimizing disruptions and costs.
Tips for Maximizing Business Travel Rewards in 2025
Once you’ve chosen a card, here’s how to make the most of it:
Time Your Sign-Up Bonus
Apply a few months before big expenses like conferences or flight bookings to meet the minimum spend efficiently.
Book Through Travel Portals
Capital One Travel, Chase Travel℠, and Amex Travel often offer exclusive rates and added rewards on hotels and flights.
Transfer Points for Better Value
Redeem through airline or hotel partners for business class flights or upgraded stays (often more value than cash equivalents).
Pair Cards Strategically
For example, using Chase Freedom Unlimited for daily purchases and Chase Ink Business Preferred for travel lets you pool and maximize rewards.
Use Every Benefit
Be sure to activate TSA PreCheck, use your lounge passes, and redeem all travel credits before they expire. They can easily offset your annual fee.
Final Thoughts
The best business travel credit cards for summer 2025 offer far more than points—they support your productivity, reduce costs, and make every trip more comfortable. Whether you prioritize luxury lounges, high-value miles, or simplified expense management, there’s a card tailored to your business needs. With the right strategy, your summer business trips can be just as rewarding as they are productive. Now is the ideal time to apply, earn, and make every mile work for your business.
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