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If you fly for business frequently, using credit cards that let you earn airline miles can help you save money and enjoy travel perks. The best business credit cards for miles offer rewards that can be redeemed for flights, seat upgrades, and other travel purchases. To get the most benefits, choose cards with travel perks that are useful for your business, such as no foreign transaction fees, access to airport lounges, priority boarding, or free checked bags.
Here are the eight best business credit cards for airline miles:
- card_name: Overall best business credit card for miles with a simple rewards program
- Delta SkyMiles® Gold Business American Express Card: Best for frequent Delta flyers who want a low annual fee
- Delta SkyMiles® Reserve Business American Express Card: Best for premium Delta travel perks and lounge access
- Delta SkyMiles® Platinum Business American Express Card: Best for earning Delta miles with basic travel perks
- card_name: Best for generous welcome offer and airport lounge access
- United ClubSM Business Card: Best for access to United ClubSM lounges
- The Hilton Honors American Express Business Card: Best for stays at Hilton hotels and resorts
- Capital One® Spark® Miles Select for Business: Best for $0 annual fee and straightforward rewards
Quick Comparison of the Best Business Credit Cards for Airline Miles
Best For | Annual Fee | Ongoing Rewards | Credit Needed | |||
|---|---|---|---|---|---|---|
card_name | Overall best business credit card for miles with a simple rewards program | annual_fees | bonus_miles | credit_score_needed | ||
 Delta SkyMiles® Gold Business American Express Card | Frequent Delta flyers who want a low annual fee | $0 intro annual fee for the first year, then $150 | 60,000 miles | Good to Excellent | ||
 Delta SkyMiles® Reserve Business American Express Card | Premium Delta travel perks and lounge access | $650 | 80,000 miles | Good to Excellent | ||
 Delta SkyMiles® Platinum Business American Express Card | Earning Delta miles with basic travel perks | $350 | 70,000 miles | Good to Excellent | ||
card_name | Generous welcome offer and airport lounge access | annual_fees | bonus_miles_full | Up to 10x miles | credit_score_needed | |
 United ClubSM Business Card | Access to United ClubSM lounges | $450 | Good to Excellent | |||
 Hilton Honors American Express Business Card | Stays at Hilton hotels and resorts | $195 | 175,000 points | Up to 12x points | Good to Excellent | |
 Capital One® Spark® Miles Select for Business | No annual fee and straightforward rewards | $0 | Excellent |
If you wish to compare one credit card over another, select a maximum of three cards on this page and click Add to compare to view the details in a side-by-side comparison.
card_name: Overall Best Business Credit Card for Miles With a Simple Rewards Program
card_name
BEST FOR:
Unlimited 2x miles with every swipe
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- Earn a one-time bonus of 50,000 miles - equal to $500 in travel - once you spend $4,500 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Receive up to a $120 credit for Global Entry or TSA PreCheck(R)
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
Pros
- Provides a welcome offer
- Offers fixed-rate miles rewards on all purchases
- Does not charge foreign transaction fees
Cons
- Does not have a 0% introductory period on purchases
- Charges an annual fee after the first year
- Balance transfers are not available
- Payment flexibility: Capital One lets you choose your monthly due date, enabling your business to control when to pay.
- Capital One Lounge: Cardholders get two free visits per year to the Capital One Lounge, which offers luxurious amenities and fresh, local food and beverage options.
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- Earn a one-time bonus of 50,000 miles - equal to $500 in travel - once you spend $4,500 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Receive up to a $120 credit for Global Entry or TSA PreCheck(R)
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
Pros
- Provides a welcome offer
- Offers fixed-rate miles rewards on all purchases
- Does not charge foreign transaction fees
Cons
- Does not have a 0% introductory period on purchases
- Charges an annual fee after the first year
- Balance transfers are not available
- Payment flexibility: Capital One lets you choose your monthly due date, enabling your business to control when to pay.
- Capital One Lounge: Cardholders get two free visits per year to the Capital One Lounge, which offers luxurious amenities and fresh, local food and beverage options.
Why We Like It
card_name is our overall best business credit card for airline miles because of its simple rewards program. It lets you earn miles that can be redeemed for flights, hotel stays, vacation packages, and more. Plus, you can transfer miles to any of Capital One’s 15+ travel loyalty programs.
- 5x miles per dollar when you book hotel stays and car rentals through Capital One Travel
- 2x miles per dollar on all purchases
- 50,000 bonus miles (equal to $500 in travel) after spending $4,500 on purchases within the first three months of account opening
- $0 foreign transaction fee
- $0 annual fee for the first year, then $95 after
- Up to $120 statement credit for Global Entry or TSA PreCheck® once every four years
Delta SkyMiles® Gold Business American Express Card: Best for Frequent Delta Flyers Who Want a Low Annual Fee
Delta SkyMiles® Gold Business American Express Card
BEST FOR:
Delta Air Lines flyers and earning rewards outside of Delta purchases
Intro APR
N/A
Regular APR
19.99% - 28.99% Variable
Annual Fee
$0 introductory annual fee for the first year, then $150
Credit Needed
Excellent, Good
- Welcome Offer: Earn 60,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership.
- $0 introductory annual fee for the first year, then $150
- Card Members save 15% when booking Award Travel with miles on Delta flights when using delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- Additionally, you can receive a $200 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases in a year.
- 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 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
- Earn 1 Mile on every eligible dollar spent on other purchases.
- Check and stow your bag with ease: First Checked Bag Free on Delta Flights + Zone 5 Priority Boarding.
- Elevate your travel experience with an annual statement credit of up to $150 after using your Delta SkyMiles® Gold Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
- Pay no foreign transaction fees when you travel overseas.
- Terms and limitations apply.
Pros
- $0 introductory annual fee for the first year, then $150
- Enjoy $0 foreign transaction fees
- Earn a $200 Delta Flight Credit
Cons
- Balance transfers aren’t allowed
- No free or discounted Delta Sky Club access
- No 0% introductory APR
- Free checked bag: Check one bag for free for you and up to eight companions
- Savings on inflight purchases: Receive a 20% discount on inflight purchases you make with your American Express Gold Delta SkyMiles® Business Credit Card
- Baggage insurance: If your luggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on baggage and $500 for checked bags
- Car rental insurance: Coverage is primary, which means it replaces any coverage your personal insurance might offer when renting for business purposes; it provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the US and abroad
Intro APR
N/A
Regular APR
19.99% - 28.99% Variable
Annual Fee
$0 introductory annual fee for the first year, then $150
Credit Needed
Excellent, Good
- Welcome Offer: Earn 60,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership.
- $0 introductory annual fee for the first year, then $150
- Card Members save 15% when booking Award Travel with miles on Delta flights when using delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- Additionally, you can receive a $200 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases in a year.
- 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 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
- Earn 1 Mile on every eligible dollar spent on other purchases.
- Check and stow your bag with ease: First Checked Bag Free on Delta Flights + Zone 5 Priority Boarding.
- Elevate your travel experience with an annual statement credit of up to $150 after using your Delta SkyMiles® Gold Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
- Pay no foreign transaction fees when you travel overseas.
- Terms and limitations apply.
Pros
- $0 introductory annual fee for the first year, then $150
- Enjoy $0 foreign transaction fees
- Earn a $200 Delta Flight Credit
Cons
- Balance transfers aren’t allowed
- No free or discounted Delta Sky Club access
- No 0% introductory APR
- Free checked bag: Check one bag for free for you and up to eight companions
- Savings on inflight purchases: Receive a 20% discount on inflight purchases you make with your American Express Gold Delta SkyMiles® Business Credit Card
- Baggage insurance: If your luggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on baggage and $500 for checked bags
- Car rental insurance: Coverage is primary, which means it replaces any coverage your personal insurance might offer when renting for business purposes; it provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the US and abroad
Why We Like It
The Delta SkyMiles® Gold Business American Express Card comes with a low annual fee of $150, with an introductory fee of $0 for the first year. It lets you earn premium rewards on Delta purchases, plus a $200 Delta flight credit when you spend $10,000 in purchases in a calendar year. On top of those, you can benefit from $0 foreign transaction fees, Zone 5 priority boarding, a free checked bag, a baggage insurance plan, and a 15% miles discount when you use your miles on award flights.
- 2x miles per dollar on eligible purchases at Delta, shipping providers, and advertising in select media
- 1x mile per dollar on all other purchases
- 60,000 Bonus Miles after spending $4,000 in purchases in the first six months of card membership
- Up to $150 Delta Stays credit when you book prepaid hotels or vacation rentals through Delta Stays on delta.com
- 20% off in the form of a statement credit on select Delta in-flight purchases
Delta SkyMiles® Reserve Business American Express Card: Best for Premium Delta Travel Perks & Lounge Access
Delta SkyMiles® Reserve Business American Express Card
BEST FOR:
Delta SkyMiles® Reserve Business American Express Card
Intro APR
N/A
Regular APR
19.99% - 28.99% Variable
Annual Fee
$650
Credit Needed
Excellent, Good
- Welcome Offer: Earn 80,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.
- Enter Delta Sky Club® at no cost. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
- Earn 3 miles per dollar on eligible Delta purchases.
- Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card.
- Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
- With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
- Earn up to $10 back each month after using your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers.
- Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
- Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
- As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
- When you purchase a Delta flight with your Delta SkyMiles® Reserve Business Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.
- Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
- Elevate your travel experience with an annual statement credit of up to $250 after using your Delta SkyMiles® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Enjoy travel without foreign transaction fees from American Express with your Delta SkyMiles® Reserve Business American Express Card.
- Terms and limitations apply.
Pros
- Premium travel perks
- $0 foreign transaction fee
- Lucrative welcome bonus
Cons
- High annual fee
- No opportunity for introductory financing
- Balance transfers aren’t available
- Annual boost: Get $1 Medallion® Qualification Dollar for each $10 in purchases on your Delta SkyMiles® Reserve Business Card in a calendar year, making earning Medallion Status for next Medallion Year that much quicker.
- Companion certificate: Receive a companion certificate valid for one round-trip First Class, Delta Comfort+®, or Main Cabin Companion ticket each year upon renewal of your card.
- Free checked baggage: Receive free checked baggage for you and eight guests.
- Priority boarding: You can board your flight early with Zone 5 Priority Boarding.
- In-flight savings: Enjoy 20% savings in the form of a statement credit on select in-flight purchases.
- Baggage insurance: Covers up to $1,250 for carry-on baggage and $500 for checked baggage.
Intro APR
N/A
Regular APR
19.99% - 28.99% Variable
Annual Fee
$650
Credit Needed
Excellent, Good
- Welcome Offer: Earn 80,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.
- Enter Delta Sky Club® at no cost. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
- Earn 3 miles per dollar on eligible Delta purchases.
- Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card.
- Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
- With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
- Earn up to $10 back each month after using your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers.
- Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
- Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
- As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
- When you purchase a Delta flight with your Delta SkyMiles® Reserve Business Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.
- Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
- Elevate your travel experience with an annual statement credit of up to $250 after using your Delta SkyMiles® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Enjoy travel without foreign transaction fees from American Express with your Delta SkyMiles® Reserve Business American Express Card.
- Terms and limitations apply.
Pros
- Premium travel perks
- $0 foreign transaction fee
- Lucrative welcome bonus
Cons
- High annual fee
- No opportunity for introductory financing
- Balance transfers aren’t available
- Annual boost: Get $1 Medallion® Qualification Dollar for each $10 in purchases on your Delta SkyMiles® Reserve Business Card in a calendar year, making earning Medallion Status for next Medallion Year that much quicker.
- Companion certificate: Receive a companion certificate valid for one round-trip First Class, Delta Comfort+®, or Main Cabin Companion ticket each year upon renewal of your card.
- Free checked baggage: Receive free checked baggage for you and eight guests.
- Priority boarding: You can board your flight early with Zone 5 Priority Boarding.
- In-flight savings: Enjoy 20% savings in the form of a statement credit on select in-flight purchases.
- Baggage insurance: Covers up to $1,250 for carry-on baggage and $500 for checked baggage.
Why We Like It
Delta SkyMiles® Reserve Business American Express Card is ideal for those who fly with Delta frequently and appreciate luxury travel. It lets you earn generous rewards that can be used toward flights, seat upgrades, car rentals, merchandise, and gift cards. In addition, you can take advantage of travel perks, including Zone 5 priority boarding, one free checked bag per flight, access to complimentary upgrades when available, and $0 foreign transaction fees.
- 3x miles per dollar on Delta purchases
- 1.5x miles per dollar on eligible transit, U.S. shipping, and office supply store purchases
- 1x mile per dollar on all other purchases
- 110,000 Bonus Miles after spending $12,000 in your first six months of card membership
- Complimentary access to The Centurion® Lounge and Escape Lounge
- Complimentary access into Delta Sky Club®, with four Delta Sky Club One-Time guest passes each year
- Up to $240 Resy credit and Global Dining access
- Up to $120 Rideshare credit for selected providers
- Up to $250 Delta Stays credit when you book prepaid hotels or vacation rentals through Delta Stays on delta.com
- Up to $100 credit for Global Entry and TSA PreCheck® every 4 to 4.5 years
Delta SkyMiles® Platinum Business American Express Card: Best for Earning Delta Miles with Basic Travel Perks
Delta SkyMiles® Platinum Business American Express Card
BEST FOR:
Frequent Delta flyers who want to access premium business Delta features
Intro APR
N/A
Regular APR
19.99% - 28.99% Variable
Annual Fee
$350
Credit Needed
Excellent, Good
- Welcome Offer: Earn 70,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership.
- Enjoy a Companion Certificate each year after renewal of your Delta SkyMiles® Platinum Business American Express Card. The Companion Ticket requires payment of the government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
- 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.
- Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $20 of purchases with your Delta SkyMiles® Platinum Business American Express Card.
- Delta SkyMiles® Platinum Business American Express Card Members save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- With the $120 Resy Credit, earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
- Earn up to $10 back each month after using your enrolled Delta SkyMiles® Platinum Business American Express Card for U.S. rideshare purchases with select providers.
- Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
- Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
- Elevate your travel experience with an annual statement credit of up to $200 after using your Delta SkyMiles® Platinum Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Terms and limitations apply.
Pros
- $0 foreign transaction fee
- In-flight savings
- Business management tools
Cons
- Charges an annual fee
- No interest-free financing period
- Balance transfers aren’t allowed
- Delta benefits: Receive your first checked bag for free and access priority boarding.
- Travel accident insurance: Provides card owners with travel accident insurance up to $100,000.
- Purchase protection: Provides coverage for purchases that are damaged or stolen up to 120 days from the date of purchase. Coverage is limited to $1,000 for an item and up to $50,000 for all claims for one year.
Intro APR
N/A
Regular APR
19.99% - 28.99% Variable
Annual Fee
$350
Credit Needed
Excellent, Good
- Welcome Offer: Earn 70,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership.
- Enjoy a Companion Certificate each year after renewal of your Delta SkyMiles® Platinum Business American Express Card. The Companion Ticket requires payment of the government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
- 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.
- Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $20 of purchases with your Delta SkyMiles® Platinum Business American Express Card.
- Delta SkyMiles® Platinum Business American Express Card Members save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- With the $120 Resy Credit, earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
- Earn up to $10 back each month after using your enrolled Delta SkyMiles® Platinum Business American Express Card for U.S. rideshare purchases with select providers.
- Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
- Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
- Elevate your travel experience with an annual statement credit of up to $200 after using your Delta SkyMiles® Platinum Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Terms and limitations apply.
Pros
- $0 foreign transaction fee
- In-flight savings
- Business management tools
Cons
- Charges an annual fee
- No interest-free financing period
- Balance transfers aren’t allowed
- Delta benefits: Receive your first checked bag for free and access priority boarding.
- Travel accident insurance: Provides card owners with travel accident insurance up to $100,000.
- Purchase protection: Provides coverage for purchases that are damaged or stolen up to 120 days from the date of purchase. Coverage is limited to $1,000 for an item and up to $50,000 for all claims for one year.
Why We Like It
The Delta SkyMiles® Platinum Business American Express Card also lets you earn premium rewards that can be redeemed for free flights and seat upgrades at Delta but with a slightly lower annual fee of $350 (compared to what Delta SkyMiles® Reserve Business American Express Card charges). You can also take advantage of travel perks like priority boarding, one free checked bag per flight, up to $100 credit for Global Entry or TSA PreCheck® every 4 to 4.5 years, and $0 foreign transaction fees.
- 3x miles per dollar on Delta purchases
- 1.5x miles per dollar on purchases of at least $5,000, up to $100,000 per year
- 1x miles per dollar on all other purchases
- 70,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership
- Domestic Main Cabin round-trip companion certificate each year after renewing your card
- Up to $120 Resy credit per year
- Up to $120 Rideshare credit per year on selected providers
- Up to $200 credit when you book prepaid hotels or vacation rentals through Delta Stays on delta.com
Capital One Venture X Business: Best for Generous Welcome Offer & Airport Lounge Access
card_name
BEST FOR:
Those who frequently travel
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- Earn unlimited 2X miles on every purchase, everywhere-with no limits or category restrictions
- This card has no preset spending limit, so you get purchasing power that adapts to your spending needs. The annual fee on this card is $395
- Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
- Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
- Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Travel, where you'll get the best prices on thousands of options
- Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings through Capital One Travel
- Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- Receive up to a $120 credit for Global Entry or TSA PreCheck(R). Enjoy complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and membership to Priority Pass
- This is a pay-in-full card, so your balance is due in full every month
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
Pros
- Generous welcome offer
- $0 foreign transaction fees
- Receive up to $120 in statement credits toward Global Entry or TSA PreCheck®
- Unlimited complimentary access for you and two guests to over 1,300 airport lounges worldwide, including exclusive Capital One Lounges and the Partner Lounge Network
Cons
- Very high annual fee
- No introductory 0% APR period
- If you don’t pay off the balance in full, you will be charged a late fee of 2.99% on your outstanding statement balance
- Virtual Cards: Generate virtual card numbers to make secure payments online, keeping your physical card details private and simplifying expense tracking.
- Security Alerts: Receive real-time alerts via text, email, or phone if Capital One detects any suspicious activity on your account.
- Card Lock & $0 Liability for Unauthorized Charges: Instantly lock your card or an employee’s card if it’s misplaced, lost, or stolen. Plus, enjoy $0 liability protection for any unauthorized charges.
- Cell Phone Protection: Get up to $800 in reimbursement if your phone is damaged or stolen, providing added peace of mind.
- Customer Support with Eno: Capital One’s virtual assistant, Eno, monitors your accounts 24/7, sending alerts for any unusual activity and answering questions instantly to support your financial needs.
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- Earn unlimited 2X miles on every purchase, everywhere-with no limits or category restrictions
- This card has no preset spending limit, so you get purchasing power that adapts to your spending needs. The annual fee on this card is $395
- Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
- Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
- Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Travel, where you'll get the best prices on thousands of options
- Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings through Capital One Travel
- Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- Receive up to a $120 credit for Global Entry or TSA PreCheck(R). Enjoy complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and membership to Priority Pass
- This is a pay-in-full card, so your balance is due in full every month
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
Pros
- Generous welcome offer
- $0 foreign transaction fees
- Receive up to $120 in statement credits toward Global Entry or TSA PreCheck®
- Unlimited complimentary access for you and two guests to over 1,300 airport lounges worldwide, including exclusive Capital One Lounges and the Partner Lounge Network
Cons
- Very high annual fee
- No introductory 0% APR period
- If you don’t pay off the balance in full, you will be charged a late fee of 2.99% on your outstanding statement balance
- Virtual Cards: Generate virtual card numbers to make secure payments online, keeping your physical card details private and simplifying expense tracking.
- Security Alerts: Receive real-time alerts via text, email, or phone if Capital One detects any suspicious activity on your account.
- Card Lock & $0 Liability for Unauthorized Charges: Instantly lock your card or an employee’s card if it’s misplaced, lost, or stolen. Plus, enjoy $0 liability protection for any unauthorized charges.
- Cell Phone Protection: Get up to $800 in reimbursement if your phone is damaged or stolen, providing added peace of mind.
- Customer Support with Eno: Capital One’s virtual assistant, Eno, monitors your accounts 24/7, sending alerts for any unusual activity and answering questions instantly to support your financial needs.
Why We Like It
Capital One Venture X Business offers luxury travel perks, including access to airport lounges via Partner Lounge Network and Capital One Lounges, up to a $120 statement credit on Global Entry or TSA PreCheck®, and premium miles rewards. You can earn 150,000 miles—equal to $1,500 in travel—when you spend $30,000 in the first three months. Note that your balance must always be paid off in full every month.
- 10x miles on hotels and rental cars booked through Capital One Travel
- 5x miles on flights booked through Capital One Travel
- 2x miles on all other purchases
- $300 annual credit for bookings through Capital One Travel
- 10,000 bonus miles every year, starting on your first anniversary
- Complimentary access to 1,300+ airport lounges worldwide with our Partner Lounge Network
United ClubSM Business Card: Best for Access to United ClubSM Lounges
United Club℠ Business Card
BEST FOR:
United Airlines enthusiasts who use airport lounge access regularly
Intro APR
N/A
Regular APR
21.99% to 28.99% variable
Annual Fee
$450
Credit Needed
Good - Excellent
- 50,000 bonus miles after spending $5,000 on purchases within the first three months after account opening
- United ClubSM membership
- Two Premier Access® travel services
- First and second checked bag free
- Earn double miles on tickets purchased from United
- Earn 1.5 miles per $1 spent on all other purchases
- No foreign transaction fees
Pros
- With free first and second checked bags
- Welcome offer
- Offers United Club membership
Cons
- Charges high annual fee
- Does not have a 0% introductory period on purchases and balance transfers
- United Club membership: You and other eligible travel companions will receive free access to all United Club locations and participating Star Alliance™ affiliated lounges worldwide.
- Avis President’s Club®: Primary cardholders are invited to enroll in Avis President’s Club® and enjoy complimentary two-car class upgrades, guaranteed car availability, expedited rental services, and more.
- Free two checked bags: The primary cardholder and their companion traveling with the same reservation will each receive free checked bags (up to $35 value for the first checked bag and up to $45 value for the second checked bag, each way, per person).
- Lost luggage reimbursement: You and your immediate family member are covered up to $3,000 if you check or carry luggage damaged or lost by the carrier.
- Baggage delay insurance: If there’s a baggage delay of more than six hours, you can be reimbursed for essential purchases, such as toiletries and clothing, up to $100 a day for three days.
Intro APR
N/A
Regular APR
21.99% to 28.99% variable
Annual Fee
$450
Credit Needed
Good - Excellent
- 50,000 bonus miles after spending $5,000 on purchases within the first three months after account opening
- United ClubSM membership
- Two Premier Access® travel services
- First and second checked bag free
- Earn double miles on tickets purchased from United
- Earn 1.5 miles per $1 spent on all other purchases
- No foreign transaction fees
Pros
- With free first and second checked bags
- Welcome offer
- Offers United Club membership
Cons
- Charges high annual fee
- Does not have a 0% introductory period on purchases and balance transfers
- United Club membership: You and other eligible travel companions will receive free access to all United Club locations and participating Star Alliance™ affiliated lounges worldwide.
- Avis President’s Club®: Primary cardholders are invited to enroll in Avis President’s Club® and enjoy complimentary two-car class upgrades, guaranteed car availability, expedited rental services, and more.
- Free two checked bags: The primary cardholder and their companion traveling with the same reservation will each receive free checked bags (up to $35 value for the first checked bag and up to $45 value for the second checked bag, each way, per person).
- Lost luggage reimbursement: You and your immediate family member are covered up to $3,000 if you check or carry luggage damaged or lost by the carrier.
- Baggage delay insurance: If there’s a baggage delay of more than six hours, you can be reimbursed for essential purchases, such as toiletries and clothing, up to $100 a day for three days.
Why We Like It
For an annual fee of $450, you will automatically become a United ClubSM member (regular membership rate is $650 per year). As a member, you can access United ClubSM locations to work, relax, and enjoy complimentary beverages and snacks before your flight. Additionally, your eligible travel companions can also access all United Club locations and participating Star Alliance™ affiliated lounges worldwide.
- 7x total miles on United flights: 5x miles on fare from United as a MileagePlus member, plus 2x miles on the entire United purchase
- 2x miles on other United purchases
- 3.5x total miles on hotel stays booked through United Hotels: 2x miles from United as a MileagePlus member, plus 1.5x miles earned with the United ClubSM Business Card
- 1.5x miles per dollar on all other purchases
- 50,000 bonus miles + 1,000 Premier qualifying points (PQP) after you spend $5,000 in the first three months of card ownership
- Free first and second-checked bags for you and one companion
- Premier Access® travel services like priority check-in, security screening, boarding, and baggage handling privileges (where available)
- 25% back as a statement credit on purchases of food, beverages, and WiFi on board United-operated flights
The Hilton Honors American Express Business Card: Best for Stays at Hilton Hotels & Resorts
The Hilton Honors American Express Business Card
BEST FOR:
Maximizing rewards on Hilton-related purchases
Intro APR
N/A
Regular APR
19.99% - 28.99% Variable
Annual Fee
$195
Credit Needed
Excellent, Good
- Limited Time Offer: Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 1/8/2025.
- Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
- Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter.
- Get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card.
- Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors Gold status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay getting you to free nights faster.
- You may receive an upgrade to Hilton Honors Diamond status through the end of the calendar year if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more.
- As a Hilton Honors American Express Business Card Member, you can enroll to receive complimentary National Car Rental® Emerald Club Executive® status through the link on your American Express online account. After you’re enrolled, you can reserve a rental car by calling National Car Rental directly, using your travel service, or by booking online or through the National Car Rental mobile app. Terms apply.
- Terms apply.
Pros
- Charges a low annual fee
- Doesn’t have foreign transaction fees
- Has a generous welcome offer
Cons
- Has poor redemption options outside of hotel stays
- Lacks an interest-free financing option
- Upgrade to Diamond status: Earn an upgrade to Hilton Honors Diamond Status through the end of the next calendar year after spending $40,000 on eligible purchases.
- Baggage insurance plan: Coverage is provided for cardholders for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the covered carrier. For New York state residents, a $10,000 aggregate maximum limit is provided for all covered persons per covered trip.
- Extended warranty: Terms of the original manufacturer’s warranty can be extended up to one additional year. Applies to warranties of five years or less on covered purchases.
Intro APR
N/A
Regular APR
19.99% - 28.99% Variable
Annual Fee
$195
Credit Needed
Excellent, Good
- Limited Time Offer: Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 1/8/2025.
- Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
- Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter.
- Get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card.
- Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors Gold status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay getting you to free nights faster.
- You may receive an upgrade to Hilton Honors Diamond status through the end of the calendar year if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more.
- As a Hilton Honors American Express Business Card Member, you can enroll to receive complimentary National Car Rental® Emerald Club Executive® status through the link on your American Express online account. After you’re enrolled, you can reserve a rental car by calling National Car Rental directly, using your travel service, or by booking online or through the National Car Rental mobile app. Terms apply.
- Terms apply.
Pros
- Charges a low annual fee
- Doesn’t have foreign transaction fees
- Has a generous welcome offer
Cons
- Has poor redemption options outside of hotel stays
- Lacks an interest-free financing option
- Upgrade to Diamond status: Earn an upgrade to Hilton Honors Diamond Status through the end of the next calendar year after spending $40,000 on eligible purchases.
- Baggage insurance plan: Coverage is provided for cardholders for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the covered carrier. For New York state residents, a $10,000 aggregate maximum limit is provided for all covered persons per covered trip.
- Extended warranty: Terms of the original manufacturer’s warranty can be extended up to one additional year. Applies to warranties of five years or less on covered purchases.
Why We Like It
The Hilton Honors American Express Business Card comes with a low annual fee of $195 and is primarily designed for those who prefer to stay at Hilton hotels and resorts. While it offers points-based rewards, you can turn them into airline miles with its travel partners. You can also use your points for Lyft rides, rental cars, concert tickets, dining, and sporting events.
- 12x points per dollar on purchases made directly with Hilton Hotels & Resorts
- 5x points per dollar on the first $100,000 in purchases per calendar year, then 3x points thereafter
- 175,000 Hilton Honors Bonus Points after you spend $8,000 within the first six months of card ownership
- Complimentary Hilton Honors™ Gold Status and enjoy an 80% bonus on base points you earn on every stay
- Upgrade to Hilton Honors™ Diamond Status when you spend $40,000 on eligible purchases in a calendar year to enjoy more benefits
- $0 foreign transaction fees
- Up to $240 back each year on eligible Hilton purchases
Capital One® Spark® Miles Select for Business: Best for $0 Annual Fee & Straightforward Rewards
Capital One® Spark® Miles Select for Business
BEST FOR:
Travel rewards and annual spending of less than $19,000
Intro APR
None
Regular APR
18.49% to 24.49% variable
Annual Fee
$0
Credit Needed
Excellent
- Introductory reward of 50,000 one-time bonus miles after spending $4,500 on purchases within the first three months of opening an account
- 1.5x miles per $1 spent
- 5x miles on hotel and rental car bookings through the issuer
- Issue employee cards for free
Pros
- $0 foreign transaction fee
- Interest-free financing on purchases
Cons
- No 0% APR balance transfer offer
- Limited list of airline partners
- Purchase assurance: Most purchases made entirely with your card are covered if damaged or stolen within 90 days from the date of purchase. Coverage is limited to $10,000 per claim and $50,000 per cardholder account per 12-month period.
- Extended warranty coverage: Doubles the original warranty time period and duplicates the coverage of the original manufacturer’s warranty up to a maximum of 12 months on most items you purchase.
- Travel medical emergency assistance: Provide referrals to medical services if you have a medical emergency while traveling. You’re covered if you’re 100 or more miles away from home and from the day you leave until midnight of the 60th day of your trip, or the day you return to your city of residence, whichever is sooner.
Intro APR
None
Regular APR
18.49% to 24.49% variable
Annual Fee
$0
Credit Needed
Excellent
- Introductory reward of 50,000 one-time bonus miles after spending $4,500 on purchases within the first three months of opening an account
- 1.5x miles per $1 spent
- 5x miles on hotel and rental car bookings through the issuer
- Issue employee cards for free
Pros
- $0 foreign transaction fee
- Interest-free financing on purchases
Cons
- No 0% APR balance transfer offer
- Limited list of airline partners
- Purchase assurance: Most purchases made entirely with your card are covered if damaged or stolen within 90 days from the date of purchase. Coverage is limited to $10,000 per claim and $50,000 per cardholder account per 12-month period.
- Extended warranty coverage: Doubles the original warranty time period and duplicates the coverage of the original manufacturer’s warranty up to a maximum of 12 months on most items you purchase.
- Travel medical emergency assistance: Provide referrals to medical services if you have a medical emergency while traveling. You’re covered if you’re 100 or more miles away from home and from the day you leave until midnight of the 60th day of your trip, or the day you return to your city of residence, whichever is sooner.
Why We Like It
Among all the best business credit cards for miles on this list, Capital One® Spark® Miles Select for Business is the only one with a $0 annual fee. Plus, it offers straightforward rewards you can use on flights, hotel stays, and vacation packages or transfer them to any of Capital One’s 15-plus travel partners. You can also use miles to reimburse travel expenses within 90 days of purchase.
- 5x miles on car rentals and hotel stays booked through Capital One Travel
- 1.5x miles on all other purchases
- 50,000 miles once you spend $4,500 on purchases within the first three months of card ownership
- $0 additional fees on international purchases and balance transfers
How We Selected Business Credit Cards for Miles
To determine the best business credit cards for miles, we looked at miles earned and the corresponding spending categories. We also considered other card benefits, travel perks, and introductory and ongoing rewards.
Frequently Asked Questions (FAQs)
When choosing the best business credit card for miles, you need to consider several factors—including your preferred airline, spending categories where your business spends the most, spending habits, annual fees, and travel perks that you need. Keep in mind that the right business credit card for airline miles may vary depending on your business’s needs and personal preferences. Also, take into account the ongoing APRs and other fees the cards charge, as this can affect your overall credit costs.
Business credit cards should be used primarily for business purposes. However, the rewards you earn on your business credit cards are not restricted to business use only. In most cases, you may use your miles to book your personal travels. However, some card issuers restrict employees from using rewards for personal use, while others prohibit employees from redeeming rewards.
Business credit cards for miles come with perks tailored for business travelers, such as rewards on business-related expenses. Plus, these often have expense monitoring features and reporting tools that make it easier to track and manage business expenses, and the cards also allow you to add employee cards at no additional costs. In contrast, personal credit cards do not have robust controls and lucrative perks that are typically available with business credit cards.
Bottom Line
The best business credit cards for miles provide rewards that can be redeemed for free flights and other valuable options. Also, consider the travel perks that come with the card, such as access to airport lounges, in-flight discounts, $0 foreign transaction fees, and exclusive rates. When choosing the right one for your business, take into account the fees associated with the card.
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