If you like getting rewards while you spend, travel credit cards are a smart way to earn more from your lifestyle. But not all travel credit cards are built the same.
In this guide, we’ve ranked the top travel credit cards for entrepreneurs in 2025. Whether you’re a startup founder, content creator, consultant, or digital nomad, you’ll find the best credit card for travel that fits your needs.
We will break down each card’s travel benefits, annual fees, welcome offers, point-earning rates, lounge access privileges, foreign transaction fees, and other unique features.
What Is a Travel Credit Card?
A travel credit card offers points or miles on every purchase. These points can be used to pay for flights, hotel stays, rental cars, and other travel expenses. Unlike regular credit cards, travel cards come with benefits, like airport lounge access, no foreign transaction fees, and travel insurance.
Travel credit cards are best for people who travel often — whether for business or leisure — and want to save money or enjoy perks while doing it.
A Quick Look at The Best Travel Credit Cards Of 2025
| Credit Card | Annual Fee | Welcome Bonus | Rewards | Notable Travel Perks |
| Chase Sapphire Reserve® | $550 | 60,000 points after $5k in 3 months | 3X on travel and dining | $300 annual travel credit. No foreign fees. |
| Amex Business Platinum® | $695 | 150,000 points after $20k in 3 months | 5X on flights and prepaid hotels via AmexTrave | $200 airline + $200 Uber + $200 hotel credits.No foreign fees |
| Capital One Venture X | $395 | 75,000 miles after $4k in 3 months | 10X on hotels/rental cars & 5X on flights via Capital One Trave | $300 annual travel credit + 10k anniversary miles.No foreign fees |
| The Amex Platinum (Personal) | $695 | 80,000 points after $8k in 6 months | 5X on flights & hotels via AmexTravel | $200 airline + $200 Uber + $200 hotel credits.No foreign fees |
| Chase Ink Business Preferred® | $95 | 90,000 points after $8k in 3 months | 3X on first $150k in travel | 25% point bonus in Chase portal; Cell phone protection; Trip cancellation ($5k insurance.No foreign fees |
| Capital One Spark Miles | $95 (1st Yr Free) | 50,000 miles after $4.5k in 3 months | 5X on hotels & rental cars via Capital One Travel | Transfer miles to 15+ partners. No foreign fees |
| American Express® Gold | $325 | 60,000 points after $6k in 6 months | 10X on hotels, rental cars, attractions via Citi Trave | $100 off $500+ hotel booking yearly.No foreign fees |
| Chase Ink Business Preferred® | $95 | 90,000 points after $8k in 3 months | 3X on first $150k in trave | 25% point bonus in Chase portal.No foreign fees |
| Citi Strata Premier℠ | $95 | 60,000 points after $4k in 3 months | 10X on hotels, rental cars, and attractions via Citi Trave | $100 off $500+ hotel booking yearly.No foreign fees |
| Scotiabank Passport Visa Infinite | $110 | 40,000 Scene+ points | Up to 4X on travel via Scene+ porta | No foreign transaction fees; 6 free airport lounge visits/year; Robust travel insurance. |
Note: All bonuses and rewards are subject to change; check the issuer for current offers. “No foreign fees” means 0% foreign transaction surcharge on purchases abroad. Always review each card’s terms for category definitions and benefit enrollment requirements.
10 Best Travel Credit Cards Of 2025
Here are the 10 best credit cards for travel, every entrepreneur should know about.
1. Chase Sapphire Reserve®
| Features | Details |
| Annual Fee | $550 (effectively $250 after travel credit) |
| Welcome Offer | 60,000 points after spending $5,000 in 3 months (worth up to $900 in travel) |
| Rewards Rates | 3X points on travel and dining5X on flights & 10X on hotels via Chase Travel |
| Point Value | Points worth 50% more when redeemed through Chase Ultimate Rewards |
| Foreign Transaction Fees | None |
| Lounge Access | Unlimited Priority Pass Select access (cardholder + guests) |
| Additional Benefits | $300 annual travel credit , and travel insurance coverage |
The Chase Sapphire Reserve® is a reliable option for entrepreneurs who travel often. Its reward structure is especially useful for those who frequently book flights, dine with clients, or attend events in other cities.
Cardholders earn 3X points on travel and dining purchases, whether that’s a ride to the airport or lunch during a business trip. Booking through Chase Travel unlocks even more value—with 5X points on flights and 10X on hotels and car rentals after using the annual travel credit.
The $550 annual fee may seem high, but it includes a $300 travel credit each year that automatically applies to travel purchases—bringing the effective cost down to around $250.
2. Amex Business Platinum®
| Feature | Detail |
| Annual Fee | $695 |
| Welcome Offer | Up to 150,000 points after spending $20,000 in the first 3 months |
| Earning Potential | 5X on flights and prepaid hotels via AmexTravel1.5X on eligible purchases of $5,000+ (up to $2M/year) |
| Point Transfers | 1:1 transfer to 20+ airline and hotel partners |
| Foreign Transaction Fees | None |
| Lounge Access | 1,400+ global lounges via Amex Global Lounge Collection (includes Centurion, Delta, and Priority Pass) |
| Extra Value | Over $1,000 in annual credits for business and travel expenses |
The Amex Business Platinum® is a strong option for entrepreneurs who travel often and have consistent business expenses. This is one of the top travel credit cards that offers a range of benefits—from airport lounge access to a generous welcome bonus—that can add value for those who are frequently on the move.
You’ll earn 5X points on flights and prepaid hotels booked through AmexTravel, along with 1.5X points on larger purchases, which can be helpful for businesses that spend on travel, equipment, or advertising. Points can also be transferred to over 20 airline and hotel partners, offering more flexibility when booking trips.
The card has a $695 annual fee, which is on the higher end. But for business owners who make use of the travel perks, rewards, and available statement credits, it can offer solid value over time.
3. Capital One Venture X
| Feature | Detail |
|---|---|
| Annual Fee | $395 |
| Welcome Offer | 75,000 miles after spending $4,000 in the first 3 months (worth around $750 in travel) |
| Rewards Rates | 2X miles on every purchase 5X on flights and 10X on hotels/rental cars via Capital One Travel |
| Travel Credits | $300 annual travel credit via Capital One portal 10,000 bonus miles each anniversary (≈$100) |
| Lounge Access | Unlimited access to Priority Pass lounges and Capital One lounges for you + 2 guests |
| Other Perks | No foreign transaction fees Global Entry/TSA PreCheck credit Trip delay and cancellation insurance Cell phone protection |
The Capital One Venture X is a good fit for entrepreneurs who want a travel credit card that’s easy to use and offers solid value. With 2X miles on every purchase, it keeps things simple—whether you’re booking flights or covering day-to-day business expenses.
You’ll also earn more when booking through Capital One Travel, with 5X miles on flights and 10X on hotels and rental cars. The welcome bonus and the ability to transfer miles to over 15 travel partners add extra flexibility for future trips.
The card comes with a $395 annual fee, but between the $300 travel credit and 10,000 bonus miles each year, many cardholders find the value can make up for the cost—especially for those who travel a few times a year.
4. The Amex Platinum (Personal)
| Feature | Detail |
|---|---|
| Annual Fee | $695 |
| Welcome Offer | 80,000 Membership Rewards points after spending $8,000 in 6 months (estimated value: ~$1,600) |
| Rewards Rates | 5X points on flights and prepaid hotels via AmexTravel 1X on other purchases |
| Credits & Benefits | Over $1,600 in potential credits: $200 airline, $200 Uber, $240 entertainment, $155 Walmart+, $100 Saks, $189 CLEAR |
| Lounge Access | Global Lounge Collection: 1,400+ lounges worldwide, including Centurion, Priority Pass, and Delta |
| Travel Extras | Marriott Bonvoy Gold + Hilton Honors Gold status, Fine Hotels & Resorts perks, Global Entry/TSA PreCheck credit |
| Foreign Transaction Fees | None |
The Amex Platinum (Personal) is a good option for those who travel often and value-added comfort while on the move. While it’s technically a personal card, its travel perks and lifestyle benefits can still be a great fit for entrepreneurs who blend business and personal travel.
You’ll earn 5X points on flights and prepaid hotels booked through AmexTravel—useful if you’re regularly flying to meetings or events. Other purchases earn 1X, but the real benefit is in the extras, like lounge access, hotel upgrades, and a variety of credits that help cover travel and everyday costs.
The $695 annual fee is on the higher end, but if you travel frequently and make use of the included perks, the value can easily make up for it.
💡 Quick Note: It’s easy to mix up The Amex Platinum (Personal) with the Amex Business Platinum® since they offer many of the same travel benefits—like lounge access, airline credits, and 5X points on flights and hotels. The main difference is in the extras. The personal version includes more lifestyle perks, such as credits for Uber, streaming, and retail. The business version is geared more toward company-related spending, with benefits like Dell, Adobe, and hiring-related credits. Which one is right for you depends on how you plan to use it—either can be valuable, depending on your needs.
5. Chase Ink Business Preferred®
| Feature | Detail |
|---|---|
| Annual Fee | $95 |
| Welcome Offer | 90,000 points after spending $8,000 in 3 months (worth up to $1,125 when redeemed for travel) |
| Rewards Rates | 3X points on the first $150,000/year in combined purchases on travel, shipping, internet/phone, and online advertising 1X on all other purchases |
| Point Value | 25% more value when redeemed through Chase Travel |
| Foreign Transaction Fees | None |
| Travel Protections | Trip cancellation/interruption insurance, trip delay coverage, rental car insurance, baggage delay, and cell phone protection |
The Chase Ink Business Preferred® is a solid option for small business owners who want to earn travel rewards without paying a high annual fee. At $95 per year, it offers a strong welcome bonus and good earning potential in categories many entrepreneurs already spend in—like online ads, travel, and tech tools.
The card earns 3X points on the first $150,000 in combined purchases each year across select business categories. That makes it a useful choice for startups or remote teams that regularly invest in digital marketing, software, or travel. Points can be redeemed for more value through Chase’s travel portal or transferred to airline and hotel partners for added flexibility.
6. Chase Sapphire Preferred®
| Feature | Detail |
|---|---|
| Annual Fee | $95 |
| Welcome Offer | 60,000–100,000 points (worth up to $1,250 in travel through Chase Travel) after qualifying spend |
| Rewards Rates | 5X on travel booked through Chase Travel 3X on dining, select streaming, and online groceries 2X on other travel 1X on everything else |
| Point Value | 25% more value when redeeming points through Chase Travel |
| Notable Perks | $50 annual hotel credit (via Chase Travel) No foreign transaction fees |
| Travel Protections | Trip cancellation/interruption, travel delay reimbursement, baggage delay, and rental car coverage |
The Chase Sapphire Preferred® is a personal travel card that offers solid value, especially for entrepreneurs who are just getting started with rewards. It’s a good option if you want to earn points on everyday spending without paying a high annual fee.
The card offers bonus points in areas many business owners spend on—like travel, dining, and streaming services. You’ll also get 5X on travel booked through Chase and 3X on dining, which can add up quickly. When you redeem points for travel through Chase’s portal, they’re worth 25% more, giving you extra value.
While it doesn’t include premium perks like lounge access, it still comes with useful travel protections, such as rental car coverage and trip cancellation insurance—nice to have when you’re on the move for work or networking.
7. Capital One Spark® Miles for Business
| Feature | Detail |
|---|---|
| Annual Fee | $0 intro for the first year, then $95 |
| Welcome Offer | 50,000 miles after spending $4,500 in the first 3 months (worth $500 toward travel) |
| Rewards Rates | 2X miles on every purchase 5X miles on hotels and rental cars booked through Capital One Travel |
| Redemption Options | Use miles to erase travel purchases or transfer to 15+ airline and hotel partners |
| Foreign Transaction Fees | None |
| Extra Perks | Global Entry/TSA PreCheck credit (up to $100), rental car insurance, purchase protection |
The Capital One Spark® Miles for Business is a good option for business owners who want a simple way to earn travel rewards. You’ll earn 2X miles on all purchases, so there’s no need to keep track of spending categories or adjust how you use the card.
From office supplies to client lunches, every business expense earns the same rewards. You’ll also get 5X miles on hotels and rental cars booked through Capital One Travel. When it’s time to redeem, you can either use your miles to cover travel purchases or transfer them to one of Capital One’s airline or hotel partners.
8. Citi Strata Premier℠
| Feature | Detail |
|---|---|
| Annual Fee | $95 |
| Welcome Offer | Around 60,000 ThankYou® Points after $4,000 spend in 3 months (worth ~$600 in travel or gift cards) |
| Rewards Rates | 3X points on air travel, hotels, gas/EV charging, dining, and supermarkets 10X on hotels, rental cars, and attractions booked via Citi Travel |
| Travel Credit | $100 annual hotel credit on bookings of $500+ through Citi Travel |
| Foreign Transaction Fees | None |
| Travel Coverage | Includes trip cancellation, trip delay, baggage delay, and rental car protection |
The Citi Strata Premier℠ is a solid travel card for entrepreneurs with a variety of everyday expenses. With a $95 annual fee, it offers elevated rewards on common spending categories like airfare, hotels, gas, EV charging, dining, and groceries.
A key feature is the 10X points on hotels, rental cars, and attractions when booked through Citi Travel—helpful if you prefer managing business trips through one booking platform.
It doesn’t offer lounge access, but it does come with helpful travel protections, making it a practical choice for business owners looking for consistent rewards and a few useful perks—without a high annual fee.
9. American Express® Gold Card
| Feature | Detail |
|---|---|
| Annual Fee | $325 |
| Welcome Offer | ~60,000 Membership Rewards® points after $6,000 spend in 6 months |
| Rewards Rates | 4X points at restaurants worldwide (including delivery & takeout) 4X at U.S. supermarkets (up to $25K/year) 3X on flights booked directly or via AmexTravel |
| Credits & Extras | Up to $240/year in dining & Uber credits $84 Dunkin’ credit $100 Hotel Collection credit |
| Foreign Transaction Fees | None |
| Travel Protections | Includes trip delay, baggage insurance, and car rental coverage |
The American Express® Gold Card is a good option for business owners who spend a lot on dining—whether that’s client meals, takeout, or groceries. With 4X points at restaurants and U.S. supermarkets, it offers solid rewards in categories many entrepreneurs use often.
You’ll also earn 3X points on flights booked directly with airlines or through AmexTravel, which adds some travel value, even though this card isn’t focused entirely on travel perks.
It’s a charge card, so there’s no preset spending limit, but the balance needs to be paid in full each month. It doesn’t offer lounge access or hotel status, so if those features matter to you, it may work best alongside another travel-focused card.
10. Scotiabank Passport Visa Infinite®
| Feature | Detail |
|---|---|
| Annual Fee | C$150 (approximately $110 USD) |
| Welcome Offer | Typically 30,000–40,000+ Scene+ points (worth $300–$400 in travel) |
| Rewards Rates | 2X points on travel, dining, entertainment, and transit Up to 4X on select travel via Scene+ Travel |
| Foreign Transaction Fees | None |
| Travel Perks | 6 free Priority Pass lounge visits/year Comprehensive travel insurance No income requirement with Scotiabank relationship |
The Scotiabank Passport Visa Infinite® is a good option for Canadian entrepreneurs or anyone who travels internationally for business. One of its standout features is the no foreign transaction fees, which can help you avoid extra costs on purchases made outside the U.S. or Canada.
The card earns 2X Scene+ points on travel, dining, entertainment, and transit. You can also earn up to 4X points on select hotel and car rental bookings through Scotiabank’s Scene+ Travel portal.
Although it’s only available to Canadian residents, it might be worth a look if you regularly travel to Canada, work with international clients, or manage a remote team.
Final Thoughts
In 2025, there are more travel credit card options than ever—whether you’re just starting your business journey or already traveling full-time. For newer entrepreneurs, mid-tier cards like the Chase Sapphire Preferred® or Citi Strata Premier℠ offer great value with low fees and strong everyday rewards. If you travel often or run a more established business, premium options like the Chase Sapphire Reserve®, Amex Business Platinum®, or Venture X can add comfort and convenience to your trips.
The best choice depends on your spending habits and travel style. Think about where your business dollars go—flights, dining, ads, or software—and choose a card that fits. Used wisely, the right travel credit card can turn routine expenses into valuable rewards, making business travel more manageable—and even more enjoyable.
Safe travels, and here’s to earning while you grow.
