8 Best Business Credit Cards for Miles in 2023

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

Intro APR

N/A

Regular APR

25.74% (Variable)

Annual Fee

$0 intro for first year; $95 after that

Credit Needed

Excellent, Good

Introductory reward worth $500 in travel after you spend $4,500 within the first three months
2x miles per $1 spent
$100 credit for Global Entry or TSA Pre✓
Issue employee cards for free

Pros

No foreign transaction fees
TSA PreCheck® 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 PreCheck® 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 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

N/A

Regular APR

25.74% (Variable)

Annual Fee

$0 intro for first year; $95 after that

Credit Needed

Excellent, Good

Introductory reward worth $500 in travel after you spend $4,500 within the first three months
2x miles per $1 spent
$100 credit for Global Entry or TSA Pre✓
Issue employee cards for free

Pros

No foreign transaction fees
TSA PreCheck® 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 PreCheck® 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 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: Capital One® Spark® Miles for Business is our overall best business credit card for miles because it offers a straightforward rewards program with a low annual fee. You can earn 5x miles when you book hotel and rental cars with Capital One and 2x miles on all other business purchases. You can also earn 50,000 bonus miles, which is worth $500 toward travel, after spending $4,500 on purchases within the first three months of card ownership.

You can redeem your miles for flights, hotels, and vacation packages. Capital One also allows you to transfer miles to more than 15 travel loyalty programs, including British Airways, Emirates Skywards, Qantas, and more. It’s worth noting that, unlike the Capital One® Spark® Miles Select for Business, it doesn’t offer a zero-interest period on purchases.

Other benefits:

Introductory annual fee: It comes with a low annual fee of $95, which is waived for the first year.
No foreign transaction fee: Enjoy making purchases outside of the US without having to pay foreign transaction fees.
Global Entry or TSA PreCheck® credit: Earn up to $100 statement credit for Global Entry or TSA PreCheck® once every four years.
Capital One Lounge: Get two free visits to the Capital One Lounge per year and enjoy luxurious amenities and local food and beverage options.

It is also one of our leading business credit cards with no foreign transaction fee because of its generous rewards on travel and everyday purchases.

Capital One® Spark® Miles Select for Business: Best for No Annual Fee & 0% APR Period

Capital One® Spark® Miles Select for Business

BEST FOR:

Travel rewards and annual spending less than $19,000

https://www.capitalone.com/small-business/credit-cards/spark-miles-select/

Intro APR

0% on purchases

Regular APR

18.74% to 28.74% (Variable)

Annual Fee

Credit Needed

Excellent, Good

Introductory reward worth $200 in travel after you spend $3,000 within the first three months
1.5x 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
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

0% on purchases

Regular APR

18.74% to 28.74% (Variable)

Annual Fee

Credit Needed

Excellent, Good

Introductory reward worth $200 in travel after you spend $3,000 within the first three months
1.5x 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
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: If you prefer to earn fixed-rate miles on all business purchases and want to take advantage of 0% introductory APR without having to pay annual fees, the Capital One® Spark® Miles Select for Business may be right for you. It offers 0% APR on purchases for the first nine billing cycles and no annual fee. Note that it’s the only credit card on this list that doesn’t charge annual fees and has an interest-free financing option.

What’s more, you enjoy unlimited 1.5x miles on every purchase for your business and 5x miles on hotels and rental cars booked through Capital One Travel. You can also earn a bonus of 20,000 miles when you spend $3,000 on purchases within the first three months of card membership. Unlike the Capital One® Spark® Miles for Business, however, it doesn’t offer travel credits for Global Entry or TSA PreCheck®.

Other benefits:

No foreign transaction fees: It comes with no foreign transaction fees, helping you reduce your credit cost when you use this card abroad.
Miles transfer: Use your rewards to transfer miles to any of Capital One’s 15+ travel partners.
Travel expenses reimbursement: You have the option to reimburse travel expenses within 90 days of purchase.

Because of its reward offerings and fewer fees, it ranks first among our best business credit cards for travel.

United^SM Business Card: Best for Earning Premium Rewards With United Airlines, Gas, Dining, Office Supplies & Local Transit

United℠ Business Card

BEST FOR:

Frequent United Airlines flyers who want to earn travel rewards

On Chase's Secure Website

Intro APR

N/A

Regular APR

21.49% - 28.49% Variable

Annual Fee

$99

Credit Needed

Earn 50,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
$0 introductory annual fee for the first year, then $99.
Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
Enjoy a free first checked bag - a savings of up to $140 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
$100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
Member FDIC

Pros

Doesn’t charge annual transaction fees
With generous sign-up bonus
High rewards rate

Cons

Doesn’t offer 0% introductory APR on purchases and balance transfers
Charges annual fees during the second year
Need to pay separately for unlimited access to United Club

Free employee cards: You can create employee cards at no additional cost—letting you earn miles faster and set individual spending limits for each employee card made.
Priority boarding: Cardholders and their companions included on the same reservation will be invited to board first on any United-operated flight.
Free first checked bag and save up to $140 per round trip: Both the primary cardholder and one companion traveling on the same reservation will each receive their first standard checked bag free—up to $35 value, each way, per person—on United-operated flights when the cardholder included their United MileagePlus® number in their reservation.
Lost luggage reimbursement: if your or your immediate family member’s check or carry luggage was damaged or lost by the carrier, you can get up to $3,000 reimbursement per passenger.
Baggage delay insurance: Receive reimbursement on essential purchases, such as toiletries and clothing, for baggage delays of more than six hours by passenger carrier or up to $100 a day for three days.

Intro APR

N/A

Regular APR

21.49% - 28.49% Variable

Annual Fee

$99

Credit Needed

Earn 50,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
$0 introductory annual fee for the first year, then $99.
Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
Enjoy a free first checked bag - a savings of up to $140 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
$100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
Member FDIC

Pros

Doesn’t charge annual transaction fees
With generous sign-up bonus
High rewards rate

Cons

Doesn’t offer 0% introductory APR on purchases and balance transfers
Charges annual fees during the second year
Need to pay separately for unlimited access to United Club

Free employee cards: You can create employee cards at no additional cost—letting you earn miles faster and set individual spending limits for each employee card made.
Priority boarding: Cardholders and their companions included on the same reservation will be invited to board first on any United-operated flight.
Free first checked bag and save up to $140 per round trip: Both the primary cardholder and one companion traveling on the same reservation will each receive their first standard checked bag free—up to $35 value, each way, per person—on United-operated flights when the cardholder included their United MileagePlus® number in their reservation.
Lost luggage reimbursement: if your or your immediate family member’s check or carry luggage was damaged or lost by the carrier, you can get up to $3,000 reimbursement per passenger.
Baggage delay insurance: Receive reimbursement on essential purchases, such as toiletries and clothing, for baggage delays of more than six hours by passenger carrier or up to $100 a day for three days.

Why we like it: The United^SM Business Card is a great option if you travel abroad with United Airlines frequently. It offers lucrative rewards, including 2x miles per dollar spent on purchases from United® (including tickets and in-flight purchases), as well as dining, gas, office supplies, local transit, and commuting. You’ll also earn 1x miles per dollar spent on all other purchases.

On top of that, you’ll enjoy travel perks, including one free checked bag per trip each for the card member and one companion, priority boarding, and two United Club^SM one-time passes per year. What’s more, you will receive 50,000 bonus miles after making at least $5,000 in purchases in the first three months your account is open. However, unlike the United Club^SM Business Card, it doesn’t offer free membership to United Club^SM.

Other benefits:

Low annual fee: The annual fee is only $99, which is waived for the first year.
United travel credit: Receive a $100 United travel credit after making seven United flight purchases of $100 or more within each card anniversary year.
Cash back on in-flight purchases: Enjoy 25% cash back on in-flight purchases, such as food, beverages, and Wi-Fi onboard United-operated flights.
No foreign transaction fee: Pay no fees on purchases made outside the United States.
5,000 bonus miles: Receive 5,000 anniversary bonus miles each year if you have a United Business Card and a personal United credit card.

Similar to Capital One® Spark® Miles for Business, it is also one of our top business credit cards with no foreign transaction fee.

Barclays AAdvantage® Aviator® World Elite Business Mastercard®: Best for Earning AA Mileage Anniversary Bonus

AAdvantage® Aviator® World Elite Business Mastercard®

BEST FOR:

Business owners that frequently fly American Airlines

On Barclays's Secure Website

Intro APR

N/A

Regular APR

20.74% or 29.74% variable

Annual Fee

$95

Credit Needed

Good - Excellent

2x AAdvantage® miles for every dollar spent on eligible American Airlines purchases
2x AAdvantage® miles for every dollar spent at eligible office supply, telecom, and car rental purchases
1x AAdvantage® miles for every dollar spent on all other purchases
Earn 5% AAdvantage® mileage bonus every year after your account anniversary date based on the total number of miles earned

Pros

Consolidated way of earning Loyalty Points
Doesn’t charge any foreign transaction fees
With signup bonus

Cons

Doesn’t offer 0% introductory APR
Can only obtain rewards by flying with American Airlines and its partner airlines
With annual fee

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 up to four companions can board before economy boarding.
In-flight discounts: You’ll receive a 25% discount on inflight food and beverage purchases.

Intro APR

N/A

Regular APR

20.74% or 29.74% variable

Annual Fee

$95

Credit Needed

Good - Excellent

2x AAdvantage® miles for every dollar spent on eligible American Airlines purchases
2x AAdvantage® miles for every dollar spent at eligible office supply, telecom, and car rental purchases
1x AAdvantage® miles for every dollar spent on all other purchases
Earn 5% AAdvantage® mileage bonus every year after your account anniversary date based on the total number of miles earned

Pros

Consolidated way of earning Loyalty Points
Doesn’t charge any foreign transaction fees
With signup bonus

Cons

Doesn’t offer 0% introductory APR
Can only obtain rewards by flying with American Airlines and its partner airlines
With annual fee

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 up to four companions can board before economy boarding.
In-flight discounts: You’ll receive a 25% discount on inflight food and beverage purchases.

Why we like it: The AAdvantage® Aviator® World Elite Business Mastercard® from Barclays is best for business owners who fly with American Airlines frequently and want to receive an extra 5% bonus miles per year based on the rewards earned. Unlike the CitiBusiness® / AAdvantage® Platinum Select® Mastercard®, which doesn’t report to personal credit bureaus, Barclays reports users’ activities to both business and consumer credit bureaus.

For an annual fee of only $95, you’ll get to enjoy generous rewards. For starters, you’ll earn up to 60,000 bonus miles when you make $2,000 purchases in the first 90 days of card ownership and another 10,000 miles when a purchase is made on an employee card. You can also get 2x miles for every dollar spent at American Airlines, office supply stores, telecom services, and car rental merchants, and 1x miles on all other purchases. Keep in mind, however, that this card does not offer access to airport lounges and travel credits for TSA PreCheck® or Global Entry.

Other benefits:

Lucrative travel perks: Enjoy travel perks, including one free checked bag for you and up to four companions, preferred boarding, 25% savings on in-flight purchases, and no foreign transaction fees on international purchases.
Companion Certificate: Get a Companion Certificate good for one guest at $99 when you spend $30,000 or more on eligible purchases during the previous year.

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®: Best Travel Credit Card That Doesn’t Report to Personal Credit Bureaus

CitiBusiness® AAdvantage® Platinum Select® World Mastercard® New

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

BEST FOR:

Frequent American Airlines flyers wanting premium airline perks

on Citi's Secure Website

Intro APR

N/A

Regular APR

20.74% to 29.74% variable

Annual Fee

$99

Credit Needed

Good - Excellent

2 AAdvantage® miles for every dollar spent on eligible American Airlines purchases
2 AAdvantage® miles for every dollar spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants, and gas stations
1 AAdvantage® mile for every dollar spent on all other purchases
Earn 1 Loyalty Point for every 1 eligible Aadvantage® mile earned from purchases

Pros

Does not charge foreign transaction fees
Premium travel perks with American Airlines
With signup bonus

Cons

No 0% introductory APR
Requires Excellent credit score to qualify
Balance transfers are not allowed
Annual fee in the second year

Free first checked bag: Eligible cardholders may check one bag free of charge when traveling on domestic itineraries marketed and operated by American Airlines or American Eagle® flights by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines Inc., Mesa Airlines Inc., PSA Airlines Inc., or Piedmont Airlines Inc
Preferred boarding: This benefit will apply to cardholders within seven days prior to air travel. A maximum of four traveling companions listed on the same reservation as the cardholder are eligible to board at the same time.
25% savings on in-flight food, beverage, and Wi-Fi: Cardholders can save up to 25% on food, beverages, and Wi-Fi when using the credit card to pay on American Airlines flights.
American Airlines Companion Certificate: Cardholders can earn an American Airlines Companion Certificate for domestic main cabin travel 1) after spending $30,000 or more in purchases each calendar year and 2) when card membership is renewed. If you wish to redeem the certificate, you’ll pay $99 for the ticketing fee plus anywhere from $21.60 to $43.20 in government taxes and fees, based on the itinerary.
Add employees as authorized users: Cardholders can add employees as authorized users at no additional cost.

Intro APR

N/A

Regular APR

20.74% to 29.74% variable

Annual Fee

$99

Credit Needed

Good - Excellent

2 AAdvantage® miles for every dollar spent on eligible American Airlines purchases
2 AAdvantage® miles for every dollar spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants, and gas stations
1 AAdvantage® mile for every dollar spent on all other purchases
Earn 1 Loyalty Point for every 1 eligible Aadvantage® mile earned from purchases

Pros

Does not charge foreign transaction fees
Premium travel perks with American Airlines
With signup bonus

Cons

No 0% introductory APR
Requires Excellent credit score to qualify
Balance transfers are not allowed
Annual fee in the second year

Free first checked bag: Eligible cardholders may check one bag free of charge when traveling on domestic itineraries marketed and operated by American Airlines or American Eagle® flights by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines Inc., Mesa Airlines Inc., PSA Airlines Inc., or Piedmont Airlines Inc
Preferred boarding: This benefit will apply to cardholders within seven days prior to air travel. A maximum of four traveling companions listed on the same reservation as the cardholder are eligible to board at the same time.
25% savings on in-flight food, beverage, and Wi-Fi: Cardholders can save up to 25% on food, beverages, and Wi-Fi when using the credit card to pay on American Airlines flights.
American Airlines Companion Certificate: Cardholders can earn an American Airlines Companion Certificate for domestic main cabin travel 1) after spending $30,000 or more in purchases each calendar year and 2) when card membership is renewed. If you wish to redeem the certificate, you’ll pay $99 for the ticketing fee plus anywhere from $21.60 to $43.20 in government taxes and fees, based on the itinerary.
Add employees as authorized users: Cardholders can add employees as authorized users at no additional cost.

Why we like it: If you travel frequently with American Airlines but don’t want your card activities reported to personal credit bureaus, the CitiBusiness® / AAdvantage® Platinum Select® Mastercard® may be your best option. It’s worth noting that while Citi will not report your transactions to consumer credit bureaus, it may report your card activities and payment behavior to business credit bureaus to help you build business credit.

It comes with a low annual fee of $99, which is waived for the first year. Earn 2x miles per dollar spent on American Airlines purchases, cable and satellite, select telecommunications services, gas, and car rentals, and 1x miles per dollar on all other purchases. Plus, receive 65,000 bonus miles after spending $4,000 in purchases within the first four months of card ownership.

It charges no foreign transaction fees, and you also get 1x loyalty points for every 1x eligible mile earned from purchases. Points can help you reach AAdvantage® status so that you can enjoy benefits like complimentary access to Main Cabin Extra and preferred seats, premium cabin upgrades, and same-day standby priority.

Other benefits:

Free checked bag: You and up to four travel companions on the same reservation can check in one bag each for free on domestic American Airlines itineraries.
In-flight savings: Receive 25% savings on in-flight food, beverage, and Wi-Fi purchases on American Airlines flights when you use your card.
Preferred boarding: Take advantage of preferred boarding on American Airlines flights so you can save time.
American Airlines Companion Certificate: Get an American Airlines Companion Certificate for domestic travel after spending $30,000 or more in purchases each card membership year. However, you need to pay around $99 for the ticketing fee plus taxes and fees when you redeem this certificate.

Since your card transactions will not be reported to the consumer credit bureaus, your business activities will not affect your personal credit. It is one of our top business credit cards that don’t report to personal credit bureaus.

Delta SkyMiles® Platinum Business American Express Card: Best for Loyal Delta Flyers Who Don’t Need Lounge Access

Delta SkyMiles® Platinum Business American Express Card

BEST FOR:

Frequent Delta flyers who want to access premium business Delta features

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

Intro APR

N/A

Regular APR

20.74% - 29.74% Variable

Annual Fee

$250

Credit Needed

Good, Excellent

Welcome Offer: Earn 60,000 Bonus Miles after spending $3,000 in purchases on your new Card in your first 3 months of Card Membership.
Save 15% On Award Travel With TakeOff 15. Eligible Card Members now enjoy exclusive savings on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
You can receive a domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Take a friend or family member when you fly Delta. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
Earn more miles on big purchases with 1.5 miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half mile per dollar), up to 50,000 additional miles per year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta and hotels instead of 1.5X).
Delta Sky Club® Access – Get access to Delta Sky Club® at a rate of $50 per person per visit for you and up to two guests while flying together on Delta.
With Status Boost®, earn 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to 2x per year getting you closer to Medallion Status.
Terms and limitations apply.

Pros

No foreign transaction fees
In-flight savings
Business management tools

Cons

$250 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.

See Rates
& Fees

Intro APR

N/A

Regular APR

20.74% - 29.74% Variable

Annual Fee

$250

Credit Needed

Good, Excellent

Welcome Offer: Earn 60,000 Bonus Miles after spending $3,000 in purchases on your new Card in your first 3 months of Card Membership.
Save 15% On Award Travel With TakeOff 15. Eligible Card Members now enjoy exclusive savings on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
You can receive a domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Take a friend or family member when you fly Delta. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
Earn more miles on big purchases with 1.5 miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half mile per dollar), up to 50,000 additional miles per year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta and hotels instead of 1.5X).
Delta Sky Club® Access – Get access to Delta Sky Club® at a rate of $50 per person per visit for you and up to two guests while flying together on Delta.
With Status Boost®, earn 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to 2x per year getting you closer to Medallion Status.
Terms and limitations apply.

Pros

No foreign transaction fees
In-flight savings
Business management tools

Cons

$250 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.

See Rates and Fees

Why we like it: If you fly with Delta Air Lines frequently and don’t need lounge access, you can benefit from the generous ongoing rewards of the Delta SkyMiles® Platinum Business American Express Card. Earn 3x miles per dollar on Delta purchases, 1.5x miles per dollar on large purchases of $5,000 or more (up to 50,000 miles per calendar year), and 1x miles per dollar on all other eligible purchases. Plus, receive 60,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 within the first three months of card ownership.

Use your miles to book for award travel on Delta flights through delta.com and the Fly Delta app and enjoy 15% off. While it charges a slightly high annual fee of $250, you can take advantage of several travel perks, such as priority boarding, one free checked bag per trip, a domestic round-trip companion certificate per year, and no foreign transaction fees.

Other benefits:

In-flight savings: Receive 20% in-flight savings as a statement credit on in-flight purchases of food, beverages, and audio headsets using your Delta credit card.
Global Entry or TSA PreCheck® credit: Receive a $100 statement credit for Global Entry or up to an $85 statement credit for TSA PreCheck® every four years.
Travel insurance coverage: Enjoy other benefits, such as trip delay insurance, baggage insurance plan, and car rental loss and damage insurance.
Special discounted rate for Delta Sky Club®: Enjoy an exclusive Delta Sky Club® per-visit rate of $50 per person when traveling with Delta.

It is also one of our top-recommended business credit cards for travel because of its generous rewards and perks.

United Club^SM Business Card: Best for Access to United Club^SM Lounges

United Club℠ Business Card

BEST FOR:

United Airlines enthusiasts who use airport lounge access regularly

On Chase's Secure Website

Intro APR

N/A

Regular APR

21.24% to 28.24% Variable

Annual Fee

$450

Credit Needed

Good - Excellent

75,000 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

Offers free first and second checked bags
With sign-up bonus
With lounge membership

Cons

Charges high annual fee
Has no 0% introductory APR
Rewards have limited flexibility

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

21.24% to 28.24% Variable

Annual Fee

$450

Credit Needed

Good - Excellent

75,000 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

Offers free first and second checked bags
With sign-up bonus
With lounge membership

Cons

Charges high annual fee
Has no 0% introductory APR
Rewards have limited flexibility

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: If you are a frequent United Airlines flyer and want access to airport lounges, the United Club^SM Business Card is an excellent option. While it charges an annual fee of $450, it comes with a United Club membership (valued at $650 per year) that provides free access to more than 50 airport lounges. Enjoy high-speed internet, complimentary beverages, and travel rewards that can be redeemed for free flights with United Airlines and its affiliates.

It offers 2x miles on United purchases, including tickets, Economy Plus®, in-flight food, beverages, Wi-Fi, and other United charges, and 1.5x miles on all other purchases. You’ll also receive 75,000 bonus miles after spending $5,000 on purchases in the first three months after opening an account. It charges no foreign transaction fees and offers 25% cash back on United in-flight and Club premium drink purchases.

Other benefits:

Free checked baggage: You and one traveling companion can check two bags each for free each way.
Cash back on in-flight and Club purchases: Get 25% back on United in-flight and Club premium drink purchases.
Premier Access® travel services: Take advantage of priority check-in, security, boarding, and baggage handling.
Earn up to 1,000 Premier qualifying points (PQPs): Earn 500 PQP for every $12,000 you spend on purchases, up to 1,000 PQP in a calendar year. You can use these points toward your Premier status qualification, up to the Premier 1K level.

It is also one of our leading business credit cards with airport lounge access because of its travel perks and premium rewards.

Delta SkyMiles® Reserve Business American Express Card: Best for Premium Delta Travel Perks & Lounge Access

Delta SkyMiles® Reserve Business American Express Card

BEST FOR:

Unlocking the ultimate Delta travel experience

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

Intro APR

N/A

Regular APR

20.74% - 29.74% Variable

Annual Fee

$550

Credit Needed

Good, Excellent

Welcome Offer: Earn 70,000 Bonus Miles after spending $5,000 in purchases on your new Card in your first 3 months of Card Membership.
Save 15% On Award Travel With TakeOff 15. Eligible Card Members now enjoy exclusive savings on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
With complimentary access into Delta Sky Club®, you can relax before your Delta flight, or find downtime between connections. You’ll also receive two Delta Sky Club One-Time Guest Passes each year so you can share the experience with others when you’re traveling together.
When you purchase a Delta flight with your Delta SkyMiles Reserve Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.
After you spend $150,000 on your Card in a calendar year, you earn 1.5 miles per dollar (that’s an extra half mile per dollar) on eligible purchases the rest of the year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta instead of 1.5X).
Plus enjoy 3X miles per dollar on all eligible Delta purchases.
With Status Boost®, earn 15,000 Medallion® Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card in a calendar year, up to 4x per year getting you closer to Medallion Status.
Terms and limitations apply.

Pros

Premium travel perks
No foreign transaction fees
Lucrative welcome bonus

Cons

High annual fee
No opportunity for introductory financing
Balance transfers aren’t available

Annual miles boost: Earn 15,000 MQMs and 15,000 bonus miles after spending $30,000 each year.
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 when Main Cabin 1 priority boarding is called.
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.

See Rates
& Fees

Intro APR

N/A

Regular APR

20.74% - 29.74% Variable

Annual Fee

$550

Credit Needed

Good, Excellent

Welcome Offer: Earn 70,000 Bonus Miles after spending $5,000 in purchases on your new Card in your first 3 months of Card Membership.
Save 15% On Award Travel With TakeOff 15. Eligible Card Members now enjoy exclusive savings on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
With complimentary access into Delta Sky Club®, you can relax before your Delta flight, or find downtime between connections. You’ll also receive two Delta Sky Club One-Time Guest Passes each year so you can share the experience with others when you’re traveling together.
When you purchase a Delta flight with your Delta SkyMiles Reserve Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.
After you spend $150,000 on your Card in a calendar year, you earn 1.5 miles per dollar (that’s an extra half mile per dollar) on eligible purchases the rest of the year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta instead of 1.5X).
Plus enjoy 3X miles per dollar on all eligible Delta purchases.
With Status Boost®, earn 15,000 Medallion® Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card in a calendar year, up to 4x per year getting you closer to Medallion Status.
Terms and limitations apply.

Pros

Premium travel perks
No foreign transaction fees
Lucrative welcome bonus

Cons

High annual fee
No opportunity for introductory financing
Balance transfers aren’t available

Annual miles boost: Earn 15,000 MQMs and 15,000 bonus miles after spending $30,000 each year.
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 when Main Cabin 1 priority boarding is called.
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.