6 Best Business Credit Cards for Miles

Editor’s note: This is a recurring post with regularly verified card details.

Business owners can use airline credit cards to earn miles when traveling for work. You can redeem your miles for free airline tickets as well as travel perks like airport lounge passes, seat upgrades, and priority boarding. The best of the bunch also pay rewards on non airline-related purchases.

The best business airline credit cards are:

Capital One® Spark® Miles for Business: Best overall for redeeming miles for any airline or travel-related purchase
United^SM Business Card: Best for earning miles on United Airlines
Delta SkyMiles® Platinum Business American Express Card: Best for Delta Airlines enthusiasts
AAdvantage® Aviator® Business Mastercard®: Best for American Airlines frequent flyers
Alaska Airlines Visa® Business credit card: Best for west coast-based businesses
Hawaiian Airlines® Business Mastercard: Best for frequent Hawaiian Airlines travelers

💡 Tip: Many business travel cards, such as those listed in this article, have been affected by the COVID-19 pandemic. As a result, some airlines affiliated with these cards may have additional travel restrictions or changes to travel-related policies. Be sure to visit the credit card issuer’s website, along with the Center for Disease Control and Prevention (CDC), for the best ways to travel safely.

For details on how we evaluated business credit cards for this list, see our methodology.

Capital One® Spark® Miles for Business: Overall Best Business Credit Card for Miles

Capital One® Spark® Miles for Business

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on Capital One® Spark® Miles for Business's secure website.

Fit Small Business Review

Rating 4 4

Best For: Unlimited 2x miles with every swipe

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	20.99% (Variable)	$0 intro for first year; $95 after that	Excellent, Good

Introductory reward worth $500 in travel after you spend $4,500 within the first three months
2x miles per $1 spent
5x miles on hotel and rental car bookings through the issuer
Issue employee cards for free

Pros

No foreign transaction fees
TSA Pre✓® or Global Entry application fee credit

Cons

You’ll pay an annual fee after the first year
Doesn’t offer interest-free financing

Airport security screening reimbursement: Either a $100 statement credit for Global Entry or an $85 statement credit for TSA Pre✓® once every four years.
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 assitance: 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: If you’re a business owner who wants to earn miles and have the freedom to book travel anywhere, Capital One® Spark® Miles for Business is your go-to card. It not only earns unlimited miles on all purchases, including nontravel-related purchases, but it also sets no blackout dates This means you’re free to book travel whenever and wherever you want. Plus, you can earn a welcome bonus offer to help cover travel expenses.

Capital One Eraser is one of the easiest and most useful features on a business credit card that offers miles, making it easy for any business to redeem rewards with flexibility. Pay for travel-related expenses, such as car rental and airfare, using your Capital One card, then use the Purchase Eraser option to redeem your rewards for those transactions. Because there are no minimum miles for redemption, you don’t have to save up rewards before using them.

Although the beauty of this card is that you don’t have to transfer points to book travel, Capital One still offers more than 10 travel partners where you can transfer miles to directly. These partners include United States-based and international carriers like JetBlue, AeroMexico, Air France, and Air Canada. However, your miles’ redemption value will take a 25% hit if you transfer them.

💡 Tip: You can also use this card’s miles from now through September 30, 2020, for restaurant delivery and takeout, including DoorDash, Uber Eats, and Postmates.

United^SM Business Card: Best for Earning Miles on United Airlines

United℠ Business Card

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On Chase's Secure Website

Best For: Frequent United Airlines flyers who want to earn travel rewards

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	17.99% - 24.99% Variable	$99

Card Details
Pros & Cons

Earn 100,000 bonus miles after you spend $10,000 on purchases within the first 3 months of account opening.*
Earn 2 miles per $1 spent on United purchases, on local transit & commuting and at gas stations, office supply stores and restaurants
Free first checked bag – save up to $120 per roundtrip
Employee cards at no additional cost*

Pros

A very large introductory bonus offer
$100 annual travel credit
Priority boarding and inflight discounts

Cons

Has an annual fee
Saver awards space is limited
United Club passes are limited

Why we like it: The United^SM Business Card is a great option for owners who fly frequently with United Airlines. It not only earns top miles on United Airlines purchases—standard for most co-branded cards—but you’ll also earn its best rate on gas station and office supply purchases. Plus, with access to more than 500 destinations across five continents, it’s amazing that you can use your miles to book airfare without blackout dates and restrictions.

In addition, this card comes with a rather large introductory offer and a chance to earn a yearly travel credit of $100 after purchasing seven United flights. So, you’ll have plenty of miles to use to cover travel expenses as long as you meet the spending requirements. You can use your miles to cover more than plane tickets by cashing in for in-flight purchases, airline seats, and hotel room upgrades if comfort is a high priority.

You’ll also get priority boarding for you and a companion, along with checking your first bag for free. Plus, you can visit two United Clubs for free each year.

💡 Tip: If you already own a personal Chase United card, contact Chase to ensure it’s notated on your business card account. That way, you’ll get the 5,000-mile anniversary bonus automatically.

Delta SkyMiles® Platinum Business American Express Card: Best for Delta Air Lines Enthusiasts

Delta SkyMiles® Gold Business American Express Card

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on Delta SkyMiles® Gold Business American Express Card's secure website.

See Rates and Fees

Fit Small Business Review

Rating 4 4

Best For: Delta Air Lines flyers and earning rewards outside of Delta purchases

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	15.74% - 24.74% Variable	$0 introductory annual fee for the first year, then $99	Good, Excellent

Limited Time Offer: Earn 60,000 bonus miles after you spend $3,000 in purchases on your new Card in the first 3 months. Offer ends 10/28/20.
Additionally, take $100 off your next Delta flight – after you spend $10,000 in purchases on your Card in a calendar year, you will earn a $100 Delta Flight Credit to use toward future travel.
Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta, on every dollar spent on eligible U.S. purchases for advertising in select media, on every dollar spent on eligible U.S. shipping purchases, on every eligible dollar spent on dining at restaurants. Earn 1 Mile on every eligible dollar spent on purchases.
Check or stow your bag with ease: First Checked Bag Free + Main Cabin 1 Priority Boarding.
Pay no foreign transaction fees when you travel overseas.
$0 introductory annual fee for the first year, then $99.
Terms and limitations apply

Pros

Earn a $100 Delta flight credit
Your first checked bag is free
Never pay foreign transaction fees

Cons

$99 annual fee after the first year
Doesn’t offer free Delta Sky Club access
No introductory financing offer

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: For frequent Delta Air Lines travelers, the Delta SkyMiles® Platinum Business American Express Card unlocks a lot of amazing perks. You’ll have access to more than 300 Delta destinations across more than 50 countries. Plus, you’ll earn up to 3x miles on every dollar spent on Delta airline and hotel purchases, have access to in-flight savings, and receive a yearly complimentary companion certificate, good for a domestic round-trip ticket for one guest.

Depending on your membership, Medallion Status gives owners access to additional flight perks. These perks include seat upgrades, priority boarding, Global Entry and TSA PreCheck membership fee reimbursement, and free checked luggage on every flight.

You can redeem miles for airfare with no blackout dates. However, you can only redeem miles in 5,000-mile increments, typically worth $50.

💡 Tip: Offset this card’s annual fee by taking advantage of the complimentary annual companion ticket and free checked luggage. The money you save on luggage for three round-trip tickets and one companion fare will be more than the annual card fee.

AAdvantage® Aviator® Business Mastercard®: Best for American Airlines Frequent Flyers

AAdvantage® Aviator® Business Mastercard®

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On Barclays's Secure Website

Fit Small Business Review

Rating 4 4

Best For: Business owners that frequently fly American Airlines

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	17.99% or 26.99% Variable	$95	Good - Excellent

Earn up to 60,000 AAdvantage® bonus miles Earn 50,000 miles after spending $1,000 in the first 90 days. Earn 10,000 miles when a purchase is made on an employee card.
Earn 2X AAdvantage® miles for every one dollar spent on eligible American Airlines purchases, eligible office supply, telecom and car rental merchants.
Earn 1X AAdvantage® miles for every one dollar spent on all other purchases.
5% AAdvantage® mileage bonus earned every year after your account anniversary date based on the total number of miles earned using your card.

Pros

A large introductory bonus offer
Discounted companion certificate
First free checked bag

Cons

No 0% APR offer
No lounge access
No TSA Pre✓®

First free checked Bag: Get one free checked bag for you and up to four companions.
Companion Certificate: Receive one discounted companion ticket, each card anniversary after meeting spending requirements.
Preferred boarding: You and o to four companions can board before economy boarding.
Inflight discounts: You’ll receive a 25% discount on inflight food and beverage purchases.
AAdvantage Elite Status Benefits: Earn Elite Qualifying Dollars (EQDs) that can be applied toward American Airlines tiered elite statuses and benefits including upgrades and free checked bags.

Why we like it: The AAdvantage® Aviator® Business Mastercard® is best for any owner that flies with American Airlines. It doesn’t just earn its best rewards on American Airlines purchases but also on office supply, telecommunications, and car rental purchases. In addition to the ongoing rewards, you can take advantage of free checked bags and preferred boarding as well.

With nearly 1,000 destinations in 150 countries, American Airlines and its partners let you choose between international and domestic flights. Cardholders also earn one discount certificate that can be redeemed for one $99 companion ticket and an additional 5% bonus miles each card anniversary. You will see your miles balance on your AAdvantage® account each billing cycle, which you can redeem for flights, seat upgrades, vacation packages, and airport lounge club membership.

You’ll also earn 3,000 Elite Qualifying Dollars (EQDs), which you can accumulate for AAdvantage® elite status and even more perks. That’s enough to earn Elite Gold Status automatically, which offers added perks like free checked bags, seat upgrades, and 40% more elite miles when you fly.

Alaska Airlines Visa® Business credit card: Best for West Coast-based Businesses

Alaska Airlines Visa® Business credit card

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on Alaska Airlines Visa® Business credit card's secure website.

Fit Small Business Review

Rating 3.5 3.5

Best For: Travel rewards on Alaska Airlines travel

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	17.49% - 25.49% Variable APR on purchases	$50 for the company and $25 per card	Excellent

Get 40,000 bonus miles plus Alaska's Famous Companion Fare from $121 ($99 fare plus taxes and fees from just $22) with this offer. To qualify, make purchases of $2,000 or more within the first 90 days of opening your account.
Get Alaska's Famous Companion Fare™ from $121 ($99 plus taxes and fees from $22) every year! That's right, EACH YEAR on your account anniversary get a companion fare from $121 ($99 plus taxes and fees from $22). Valid on all Alaska flights booked on alaskaair.com with no blackout dates.
Save with a free checked bag on Alaska flights for you and up to six other guests on the same reservation.
Earn 3 miles for every $1 spent directly on Alaska Airlines purchases and 1 mile for every $1 spent on all other purchases.
NEW! 50% off Alaska Lounge day passes and 20% back on inflight food, beverage and Wi-Fi purchases when you pay with your card.
Get exclusive access to discounted redemption levels when you redeem miles for hotel stays at over 400,000 properties using Alaska Airline Hotels.
Earn unlimited miles and travel with no blackout dates and no international transaction fees.
Enjoy many money saving benefits, 800+ destinations, more than a dozen global airline partners and a low annual fee of $50 for the company and $25 per card.

Pros

Introductory bonus miles offer
Discounted companion fare
Free checked luggage

Cons

Miles aren’t transferrable
Some blackout dates
Employee cards aren’t free

Bank of America does not disclose detailed information on their credit card features. Please refer to your guide to benefits for complete benefit details.

Free checked bag: Get a free checked bag for you and up to six guests on the same reservation.
Purchase security: Bank of America may replace, repair, or reimburse you for purchased items that have been stolen or damaged.
Extended protection: Receive an additional warranty coverage period in addition to the manufacturer’s warranty.
Auto rental collision damage waiver: Receive coverage for car rental vehicles when you use the card for the entire purchase.
Travel and Emergency Assistance Services: Includes up to $1,000,000 in travel accident insurance and emergency ticket replacement.

Why we like it: This Alaska Airlines co-branded card lets you fly to more than 800 destinations with hubs located in Seattle, Portland, Anchorage, San Francisco, and Los Angeles. That makes it a great option for West-Coast-based business owners. You’ll earn unlimited rewards on Alaska Airlines. Plus, with no blackout dates, it’s easy to redeem miles for flights on the dates you need. However, they expire after two years of inactivity.

You’ll also get discounted companion fare, airport lounge passes at $25, and 20% off in-flight purchases. Plus, it extends free checked bags to you and up to six other guests on the same reservation－ more than most airlines. You’ll gain access to all of these perks while paying the lowest annual fee on this list.

Hawaiian Airlines® Business Mastercard: Best for Frequent Hawaiian Airlines Travelers

Hawaiian Airlines® Business Mastercard®

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On Barclay's Secure Website

Best For: Hawaiian Airlines loyalists

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	17.99% to 26.99% Variable	$99	Good - Excellent

Earn 50,000 bonus miles after spending $1,000 on purchases within the first 90 days, and earn an additional 10,000 miles after a purchase is made on an employee card in the first 90 days
Earn a one-time 50% discount on one companion pass
Earn 20,000 bonus miles with $50,000-$99,999 in annual purchases, OR 40,000 bonus miles with $100,000 or more in annual purchases
Earn 3x miles on Hawaiian Airlines purchases

See Full Editorial Review Here

Pros

Potential 20,000-mile bonus each anniversary
Receive a one-time discounted companion fare for one guest

Cons

Only services flights to Hawaii
Doesn’t waive the annual fee for the first year

Companion ticket: Receive a one-time 50% off companion discount for roundtrip coach travel between Hawaii and North America on Hawaiian Airlines
Share Miles: Allows you to send and receive miles from family and friends through HawaiianAirlines.com, without a fee
Complimentary employee cards: Employee cards help you earn rewards faster and control business spending

Why we like it: With its excellent introductory offer and high ongoing rewards, the Hawaiian Airlines® Business Mastercard is a must-have card for steady Hawaiian Airlines travelers. You won’t have much use from this card if you don’t travel to Hawaii regularly as it only services flights from North America, Asia, and the South Pacific to Hawaii. However, those who travel to Hawaii will get a one-time discounted companion fare for one guest and earn top rewards on airline purchases.

Plus, owners who spend on gas, office supplies, and dining will earn this card’s second-highest rewards. What’s more, if your business spends more than $50,000 each year on Hawaiian travel, you’ll earn a 20,000-mile bonus each anniversary.

How We Evaluated the Best Business Credit Cards for Miles

Business owners looking for airline credit cards are typically concerned about annual fees, reward programs, redemption options, and flight destinations. We looked at these factors, along with additional travel perks, such as free checked bags, when ranking cards that offer miles-based rewards. While all these cards have annual fees, they are reasonably priced, considering the added benefits.

Bottom Line

When using a business credit card for travel, it’s best to earn rewards you can redeem easily for flights and travel-related expenses. It’s also crucial that the card you use offers not only a strong reward redemption rate on more than just airline purchases but also on other travel expenses that you incur along the way.

6 Best Business Credit Cards for Miles