The Best Business Credit Cards for Travel in 2025

Efficiently managing business travel goes beyond arranging itineraries and securing accommodations. The financial aspect of travel, including tracking expenses, maximizing rewards, and optimizing cash flow, is just as important. Business cards tailored for travel simplify this process while offering a host of benefits like air miles, local currency cashback, and reduced fees. Pairing these cards with a business current account is essential for improving business finance management, helping businesses save money, and improve the overall travel experience. With so many options available, finding the best cards for traveling can make a difference.

What is a business travel credit card?

A business travel credit card is a financial tool specifically designed to cater to the needs of businesses and frequent travelers. Unlike a personal card, which is primarily geared toward individual use, a business travel card offers features that align with business operations. These cards are equipped to handle the complexities of managing business-related expenses for companies and sole traders, providing benefits such as travel rewards, cashback, and tools for managing cash flow effectively. Business cards are also valuable for building a strong credit score, which can improve access to future financing options.

For instance, a business travel card often comes with enhanced tracking capabilities that allow companies to monitor spending in real-time, guaranteeing that business expenses remain manageable. These cards also offer rewards on travel-related purchases, such as flights and hotel bookings, which can be redeemed for future trips. Another key feature is the ability to access premium perks like airport lounge access and travel insurance, which add convenience and value to business travel.

Using a business travel card simplifies financial management and creates opportunities for businesses to save on travel expenses. By earning rewards on every eligible purchase, companies can reinvest these business savings into their operations, ultimately boosting productivity and profitability. By earning rewards on every eligible purchase and taking advantage of an interest-free period, businesses can reinvest these savings into their operations, ultimately boosting productivity and profitability. For any limited company that relies on frequent travel, a business card is a must-have financial tool.

How does a business credit card for travel work?

A card for travel operates similarly to a personal card but includes additional benefits that cater to business needs. These cards allow businesses to pay for travel expenses upfront while enjoying extras such as interest-free period, reward points, and cashback. For example, a limited company’s owner can book flights or accommodations using a travel card and earn membership rewards points on these transactions. Many cards also provide tools to check how many points have been earned, allowing businesses to plan rewards usage effectively. Over time, these points, combined with a sign-up bonus, can be redeemed for free flights, hotel stays, or other travel-related expenses. For businesses unable to clear balances immediately, competitive interest rates can help reduce the cost for businesses that need to borrow money while managing travel expenses.

One of the key advantages of the best cards for traveling is their ability to streamline expense management. Many cards offer integration with accounting software, enabling businesses to track their spending easily and categorize transactions automatically. This feature simplifies bookkeeping, improves managing cash flow, and helps businesses identify areas where they can cut costs.

Additionally, the best cards often come with higher credit limits compared to a personal card. This allows businesses to manage larger expenses without worrying about exceeding their credit limits. Some cards also provide supplementary free employee cards, making it easier for companies to manage team travel expenses while maintaining control over business spending.

The ability to track business expenses separately from personal spending is another advantage over a personal card. This separation simplifies bookkeeping and provides accurate reporting for tax and audit purposes, making business operations more efficient. Additionally, responsible credit usage helps build both a strong credit score and a healthy personal credit score, which can improve access to future financing options and positively impact the company’s credit rating.

A business credit card for travel fees

When choosing a business card for travel, understanding the associated fees is very important. These fees can vary widely depending on the card providers and the features offered. Common fees include the annual fee, foreign transaction fees, interest rates, the non sterling cash fee, and the non-sterling transaction fee, which is often charged when withdrawing cash abroad in a foreign currency. While some cards waive foreign transaction fees entirely, others may charge a non-sterling transaction fee, which can add up during international travel.

The annual fee is another important consideration. Premium cards, such as the American Express Business Platinum Card, often come with a higher annual fee but provide extensive benefits like airport lounge access and travel insurance. For businesses that travel frequently, these perks can outweigh the cost of the annual fee. On the other hand, cards with a lower annual fee may be better suited for companies that travel less frequently or have tighter budgets.

Interest rates also play a significant role in determining the overall cost of using a card for travel. Businesses that carry a balance on their cards should opt for cards with lower interest rates or a competitive annual percentage rate to minimize the cost of borrowing. The representative APR offered by different cards can vary significantly, so businesses need to carefully compare options. Some cards also offer an interest-free period, allowing businesses to pay off their balances without incurring additional charges, provided they maintain a good credit history. However, businesses that don’t settle balances in full will need to pay interest, increasing the overall cost of borrowing.

By carefully evaluating these fees, including the annual fee, businesses can choose a card that aligns with their financial goals and travel needs. The interest rates on premium business cards are often higher, offsetting the extensive perks they offer. While these benefits are appealing, businesses should evaluate whether their spending habits justify higher interest rates. Responsible usage can help improve the company’s credit score, providing long-term financial benefits.

What business credit cards offer fee-free travel?

Fee-free travel is a highly sought-after feature in travel cards. These cards eliminate or significantly reduce fees associated with international transactions, making them ideal for businesses that frequently operate overseas. One standout option is the Capital On Tap Pro card, which offers zero foreign transaction fees along with generous cashback rewards and a competitive annual fee. This UK card is particularly popular among small businesses and medium-sized enterprises for its ability to balance cost savings with valuable rewards.

Another popular option is the Barclays Premium Plus card. This card excludes overseas transaction fees and provides travel insurance and membership rewards points on every purchase. With a competitive annual fee, it is a strong contender for businesses that prioritize convenience and cost savings. Additionally, it offers year and guest discounts, making it an even more attractive option for companies looking to maximize their travel benefits. By choosing a card that aligns with their operational needs, businesses can optimize expense management while building a solid credit score.

The American Express Business Platinum Card is another top choice for fee-free travel. In addition to eliminating foreign transaction fees, it offers premium benefits like unlimited airport lounge access and comprehensive travel insurance. While its annual fee is higher, the added perks make it an attractive option for companies that value comfort and efficiency during their travels. These perks make it an attractive option for companies that value comfort and efficiency during their travels.

Choosing the right business credit card for travel

Selecting the right card for travel depends on several factors, including the size of the business, its travel frequency, and its financial priorities. The representative APR, or the annual percentage rate, is also a key metric to consider, as it reflects the average borrowing cost for businesses that don’t clear their balances in full. Small businesses and sole traders may benefit from cards with a low annual fee and a competitive representative APR, which reduces the cost of borrowing when balances are carried over, while larger companies might benefit from premium options like a business gold card, that offer higher credit limits and more extensive bonuses. Besides, cards offering an interest-free period can help businesses optimize short-term spending without added interest.

When comparing business cards, it’s important to consider the type of rewards offered. Some cards focus on cashback, which is ideal for businesses that want to save on everyday expenses. Others prioritize travel rewards, such as air miles and hotel discounts, which are better suited for companies with frequent travel needs. A business gold card typically combines these benefits, making it an attractive choice for businesses looking to balance rewards, travel perks, and cost savings. Cards with an interest-free period are especially valuable for businesses looking to manage cash flow efficiently while minimizing costs. Additionally, businesses should look for cards that offer expense management tools, as these can simplify bookkeeping and improve cash flow management. To make the best choice, businesses should use tools or guides that help compare cards based on features like rewards, fees, and compatibility with expense management systems.

Another important point is the card’s compatibility with existing business tools. Many card providers integrate their cards with accounting software, allowing companies to track spending and generate financial reports seamlessly. This integration with a business current account helps streamline business finance, providing businesses with the data needed to monitor budgets, improve cash flow, and control expenses effectively. However, businesses must remain mindful of the representative APR, especially if they plan to use the card for short-term credit. Cards with flexible payment options ensure businesses have control over cash flow, though companies must manage balances carefully to avoid having to pay interest unnecessarily. Cards that include an interest-free period can further simplify financial management by giving businesses flexibility to settle payments without immediate interest accrual. 

Expense management tools are helpful, but businesses must also consider interest rates when using credit for operations. Responsible spending combined with low interest rates makes sure businesses stay financially efficient.

The annual fee is a critical factor when deciding on a card. For businesses looking to cut costs, cards with a minimal fee offer a practical solution. However, businesses that prioritize premium benefits may find that paying a higher fee unlocks features that enhance the overall travel experience. Carefully weighing the fee against the benefits ensures businesses can choose the right card for their needs.

Businesses should compare factors such as rewards, annual fees, and interest rates before selecting the most suitable card. Cards with lower interest rates can benefit companies managing large travel expenses over time. Businesses should carefully analyze the offers from different card providers to be sure they select a card with the best balance of benefits, fees, and manageable interest rates.

Wallester Business Travel Card

Wallester Business travel cards offer virtual and physical payment solutions for corporate travel, featuring real-time transaction monitoring, automated expense management, customizable spending limits, and API integration. These cards improve financial control and operational efficiency across services such as hotel bookings and transportation. As a special offer, Wallester Business Platinum Cards provide exclusive options, including LoungeKey airport lounge access, Visa Luxury Hotel Collection perks, and a dedicated account manager. These premium cards are available to clients meeting turnover criteria or through an upgraded Platinum plan.

Santander Business Cashback Credit Card

The Santander Business Cashback card provides 1% cashback on all business expenditures, with no cap on earnings. It charges no foreign transaction fees on purchases while spending abroad when paying in the local currency, making it advantageous for international travel. Additional cards can be issued at no extra cost, allowing businesses to control spending by setting individual credit limits for each cardholder. The card carries a £30 annual account fee. 

Barclays Premium Plus Business Credit Card

The Barclays Premium Plus card offers 0.5% cashback on business spending, up to £400 per year. It includes business travel insurance, purchase protection, and cardholder misuse insurance, adding layers of security for business transactions. The card also provides a 2% discount on foreign exchange fees, beneficial for businesses with international dealings. An annual account fee of £150 applies. 

American Express Business Platinum Card

The American Express Business Platinum Card is tailored for businesses seeking premium travel benefits. It offers unlimited access to over 1,200 airport lounges worldwide through the Priority Pass™ program. The card provides comprehensive travel insurance and purchase protection, offering peace of mind for business travelers. It also features a rewards program where points can be redeemed for various travel expenses. The card has an annual fee of £650. 

Capital on Tap Pro Credit Card

The Capital on Tap Pro card is designed for businesses aiming to maximize rewards and travel benefits. It offers 1% cashback on all card spending and provides unlimited access to over 1,600 airport lounges for the main cardholder, enhancing the travel experience. Businesses can also manage payments efficiently by connecting the Tap business card to a business current account, guaranteeing all expenses are tracked and paid seamlessly. The card allows conversion of points to Avios, facilitating travel rewards through the Tap Business Rewards program. Businesses can manage their outstanding balance effectively with flexible payment options. It also includes a reinforced steel card for durability. The annual fee is £299. 

Each of these cards offers distinct advantages. Businesses should assess their specific travel and financial requirements to select the card that aligns best with their operational goals.

Travel credit cards for UK businesses: What’s the best?

UK businesses have access to a variety of travel cards designed to meet their specific needs. One standout option is the Santander Business Cashback card, which offers cashback on all eligible purchases. This card is particularly beneficial for businesses that want to save on everyday expenses while earning rewards for their spending.

For companies that prioritize travel rewards, the Barclays Premium Plus card is an excellent choice. This card provides air miles, travel insurance, and other travel-related extras, making it ideal for frequent business travellers. Its competitive fee and rewards structure give businesses the most value from their card spending.

The Capital On Tap Pro Card is another strong contender for UK businesses. With its no-foreign-transaction-fee policy and generous cashback rewards, it offers a balanced approach to cost savings and rewards. This card is particularly popular among small and medium-sized businesses that want to optimize their travel expenses without compromising on benefits.

The best business credit cards for airport lounge access

Airport lounge access is a valuable benefit for business travellers, providing a comfortable and productive environment to work or relax before a flight. The American Express Business Platinum Card is the gold standard in this category, offering unlimited access to premium airport lounges worldwide. This benefit is especially appealing for executives and frequent travelers who value convenience and exclusivity.

The Barclays Premium Plus card also provides lounge access, including two free guest lounge passes per year. This feature is ideal for businesses that want to improve their travel experience without committing to a premium card. For those seeking a balance between cost and comfort, this card is a great option.

The best business credit card for business travellers using Radisson hotels

Frequent travelers who stay at Radisson hotels will find the Radisson Rewards VIP Status card particularly beneficial. This card offers exclusive perks such as free breakfast, guest discounts, and additional membership rewards points on Radisson bookings. By using the Radisson Rewards VIP Status card, businesses can enhance their employees’ travel experience while saving on accommodation costs.

Upsides of using business credit cards abroad

Business cards offer numerous advantages for companies operating internationally. They help reduce costs by eliminating overseas transaction fees and provide tools for managing expenses efficiently. Additionally, these cards often come with travel rewards and insurance, which can boost the overall travel experience. By using a card for spending abroad, companies can streamline their financial operations and focus on their core objectives.

Downsides of using business credit cards abroad

While business cards offer many benefits, they also have some downsides. A higher annual fee and interest rates can be a burden for businesses that carry a balance on their cards. Additionally, the risk of overspending is higher with cards that offer generous credit limits. Companies must exercise caution and be sure that their card spending aligns with their budget and financial goals.

Applying for a business credit card for travel

Applying for a business travel card is a straightforward process. Businesses, including sole traders, need to provide proof of income, financial statements, a good credit history, and in some cases, a permanent UK home address to qualify for most cards. Comparing the annual percentage rate is essential to ensure the card aligns with your financial goals. Once approved, companies can start enjoying the benefits of their chosen card, from membership rewards points to travel insurance and expense management tools.

How Wallester can help

Wallester provides businesses with tailored solutions to optimize travel-related expenses and streamline spending. By offering corporate cards with advanced features, Wallester ensures businesses can manage expenses effectively and with full control. These cards come with real-time tracking, customizable spending limits, and seamless integration into accounting systems, making them an ideal choice for companies looking to simplify financial management.

Corporate credit cards

Wallester’s corporate cards allow businesses to issue both virtual and physical cards instantly, linked to an IBAN account in EUR. This flexibility guarantees that employees are equipped with payment tools that match their specific roles and responsibilities. The cards’ real-time transaction tracking and customizable limits provide businesses with complete oversight of their corporate spending, reducing risks and improving budgeting accuracy. Additionally, the credit facility supports businesses in managing their expenses more effectively.

Expense management

The Wallester Business platform includes an intuitive client portal that simplifies financial operations. This portal integrates automated expense reporting, digital invoice storage, and real-time transaction data from linked cards, making it easier to categorize and analyze business expenses. These tools significantly reduce administrative workloads and improve financial transparency.

Global integration

Wallester operates across the European Economic Area (EEA) and supports businesses with global operations, including in the UK, Switzerland, Australia, and the USA. Its cards are compatible with multiple currencies and offer competitive exchange rates, making them ideal for companies with international travel needs. The absence of foreign transaction fees on these cards further enhances their suitability for managing overseas expenses.

Cost-effective credit card solutions

Wallester offers its business card services at highly competitive terms. Companies can issue up to 300 virtual cards and unlimited physical cards without incurring monthly costs. This approach makes it accessible for businesses of all sizes to implement a sophisticated financial management system without stretching their budgets.

Security

Wallester ensures every transaction made using its cards is secure. A multi-level 3D Secure 2.0 system protects every payment, and instant notifications help prevent unauthorized transactions. These features make Wallester’s cards a reliable choice for businesses seeking to safeguard their financial operations.

With Wallester’s corporate cards, businesses can streamline travel expenses, enhance financial transparency, and optimize spending. By choosing Wallester, companies are equipped with the tools necessary to support growth, efficiency, and effective financial management.