9 Best Business Credit Cards for Miles
Tricia has nearly two decades of experience in commercial and federal government lending. Her expertise is highlighted throughout small business loan content on Fit Small Business.
Benilyn has over a decade of experience as a banking officer. Her expertise is featured throughout Fit Small Business in personal finance, credit card, and real estate investing content.
This article is part of a larger series on Best Small Business Credit Cards.
Editor’s note: This is a recurring post with regularly updated card details.
The best business credit card for miles offers travel rewards that can be redeemed for flights and premium benefits, like no foreign transaction fees and travel credits. When deciding which card to choose, consider the annual fees, annual percentage rates (APRs), and additional perks, such as access to airport lounges, priority boarding, and free checked bags.
Here are the nine best business credit cards for airline miles:
- Capital One® Spark® Miles for Business: Best overall business credit card for miles
- Capital One® Spark® Miles Select for Business: Best for no annual fee and 0% APR period
- UnitedSM Business Card: Best for international travel with United Airlines
- United ClubSM Business Card: Best for access to United ClubSM lounges
- Delta SkyMiles® Platinum Business American Express Card: Best for loyal Delta flyers
- Delta SkyMiles® Reserve Business American Express Card: Best for premium Delta travel perks and lounge access
- Alaska Airlines Visa® Business Card: Best for low annual fee and traveling with companions
- Barclays AAdvantage® Aviator® World Elite Business Mastercard®: Best for earning an American Airlines mileage anniversary bonus
- CitiBusiness® / AAdvantage® Platinum Select® Mastercard®: Best travel business card that doesn’t report to personal credit bureaus
The COVID-19 pandemic may affect some of the services and benefits of these travel credit cards. Be sure to check the issuer’s website and the Centers for Disease Control and Prevention (CDC) for the latest information on travel safety and requirements.
To see how these cards stack up against others we reviewed on our site, click Add to Compare on a card below and select up to two additional cards for comparison.
Capital One® Spark® Miles for Business: Best Overall Business Credit Card for Miles
Capital One® Spark® Miles for Business
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Unlimited 2x miles with every swipe
Intro APR
N/A
Regular APR
25.24% (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
- 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
25.24% (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
- 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. However, unlike the Capital One® Spark® Miles Select for Business, it doesn’t offer a zero-interest period on purchases.
In addition, you can earn 50,000 bonus miles 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.
Other benefits:
- Low 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 United States 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
If your business is registered as limited liability company (LLC) and you need to travel frequently, then this card may be a good fit as it’s also one of our top-recommended LLC credit cards.
Capital One® Spark® Miles Select for Business: Best for No Annual Fee & 0% APR Period
Capital One® Spark® Miles Select for Business
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Travel rewards and annual spending less than $19,000
Intro APR
0% on purchases
Regular APR
18.24% to 28.24% (Variable)
Annual Fee
$0
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
18.24% to 28.24% (Variable)
Annual Fee
$0
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 it’s the only credit card on this list that 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’s also one of our best sole proprietor business credit cards for earning travel rewards.
UnitedSM Business Card: Best for International Travel With United Airlines
United℠ Business Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Frequent United Airlines flyers who want to earn travel rewards
Intro APR
N/A
Regular APR
20.74% - 27.74% Variable
Annual Fee
$99
Credit Needed
- Earn 75,000 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 UnitedSM 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 ClubSM one-time passes per year, and priority boarding privileges.
- Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.
- $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
Pros
- Annual fee waived for the first year
- No foreign transaction fees
- Earn Premier Qualifying Points
Cons
- No 0% introductory APR
- Low ongoing travel rewards
- 25% back on United inflight purchases: Receive 25% back as a statement credit on purchases of food, beverages, and Wi-Fi onboard United- and United Express-operated flights.
- $100 United annual travel credit: Receive a $100 statement credit per year when you make a total of seven United flight travel-related purchases, including seat upgrades, Economy Plus®, inflight food, beverages, Wi-Fi, baggage service charges, or other United fees.
- Priority boarding: You and your companions traveling on the same reservation are eligible for priority boarding prior to general boarding.
- Earn Premier Qualifying Points (PQPs): You will earn 500 PQPs for every $12,000 in net purchases up to a maximum of 1,000 PQPs in a calendar year.
Intro APR
N/A
Regular APR
20.74% - 27.74% Variable
Annual Fee
$99
Credit Needed
- Earn 75,000 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 UnitedSM 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 ClubSM one-time passes per year, and priority boarding privileges.
- Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.
- $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
Pros
- Annual fee waived for the first year
- No foreign transaction fees
- Earn Premier Qualifying Points
Cons
- No 0% introductory APR
- Low ongoing travel rewards
- 25% back on United inflight purchases: Receive 25% back as a statement credit on purchases of food, beverages, and Wi-Fi onboard United- and United Express-operated flights.
- $100 United annual travel credit: Receive a $100 statement credit per year when you make a total of seven United flight travel-related purchases, including seat upgrades, Economy Plus®, inflight food, beverages, Wi-Fi, baggage service charges, or other United fees.
- Priority boarding: You and your companions traveling on the same reservation are eligible for priority boarding prior to general boarding.
- Earn Premier Qualifying Points (PQPs): You will earn 500 PQPs for every $12,000 in net purchases up to a maximum of 1,000 PQPs in a calendar year.
Why we like it: The UnitedSM Business Card is a great option if you travel abroad with United Airlines frequently. It offers lucrative rewards and travel perks, including one free checked bag per trip each for the card member and one companion, priority boarding, and two United ClubSM one-time passes upon account opening and on each account anniversary. However, unlike the United ClubSM Business Card, it doesn’t offer free membership to United ClubSM.
You can earn 2x miles per dollar spent on purchases from United®, including tickets and in-flight purchases, 2x miles per dollar spent on dining, gas, office supplies, and on local transit and commuting, and 1x miles per dollar spent on all other purchases. Moreover, you’ll receive 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
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 US
It’s also one of our top business credit cards with no foreign transaction fee.
United ClubSM Business Card: Best for Access to United ClubSM Lounges
United Club℠ Business Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
United Airlines enthusiasts who use airport lounge access regularly
Intro APR
N/A
Regular APR
20.24% to 27.24% 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<sup>SM</sup> membership: You and other eligible travel companions will receive free access to all United Club locations and participating Star AllianceTM 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
20.24% to 27.24% 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<sup>SM</sup> membership: You and other eligible travel companions will receive free access to all United Club locations and participating Star AllianceTM 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’re a frequent United Airlines flyer and want access to airport lounges, the United ClubSM Business Card is an excellent option. It comes with a United Club membership 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 100,000 bonus miles after spending $10,000 on purchases in the first three months after account opening.
Other benefits:
- United ClubSM membership: While it charges a high annual fee of $450, it already includes a United Club membership, which is valued at $650 per year
- No foreign transaction fee: Make purchases outside the country without having to pay foreign transaction fees
- 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
It’s also one of our leading business credit cards with airport lounge access because of its travel perks and premium rewards.
Delta SkyMiles® Platinum Business American Express Card: Best for Loyal Delta Flyers
Delta SkyMiles® Platinum Business American Express Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
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
$250
Credit Needed
Good, Excellent
- Welcome Offer: Earn 60,000 Bonus Miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months.
- 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 Hotel Stays instead of 1.5X).
- Delta Sky Club® Access – enjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club for you and up to two guests when traveling on a Delta flight.
- 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.
Intro APR
N/A
Regular APR
19.99% - 28.99% Variable
Annual Fee
$250
Credit Needed
Good, Excellent
- Welcome Offer: Earn 60,000 Bonus Miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months.
- 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 Hotel Stays instead of 1.5X).
- Delta Sky Club® Access – enjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club for you and up to two guests when traveling on a Delta flight.
- 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.
Why we like it: If you fly with Delta Airlines frequently, 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 in purchases on your new Card in your first 3 months.
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
It’s also one of our top-recommended business credit cards for travel because of its generous rewards and perks.
Delta SkyMiles® Reserve Business American Express Card: Best for Premium Delta Travel Perks & Lounge Access
Delta SkyMiles® Reserve Business American Express Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Unlocking the ultimate Delta travel experience
Intro APR
N/A
Regular APR
19.99% - 28.99% Variable
Annual Fee
$550
Credit Needed
Good, Excellent
- Welcome Offer: Earn 60,000 Bonus Miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $4,000 in purchases on your new Card in your first 3 months.
- 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.
Intro APR
N/A
Regular APR
19.99% - 28.99% Variable
Annual Fee
$550
Credit Needed
Good, Excellent
- Welcome Offer: Earn 60,000 Bonus Miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $4,000 in purchases on your new Card in your first 3 months.
- 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.
Why we like it: If you’re a loyal Delta Airlines flyer and want to enjoy premium Delta travel perks, Delta SkyMiles® Reserve Business American Express Card is the best fit. You’ll have access to complimentary upgrades, Main Cabin 1 priority boarding, one free checked bag, no foreign transaction fees, and up to $100 credit every four years for Global Entry or TSA PreCheck®. In addition, you’re covered with a baggage insurance plan, car rental loss and damage insurance, and trip delay, cancellation, and interruption insurance.
While it charges a high annual fee of $550, you can enjoy complimentary access to Delta Sky Clubs and an exclusive per-visit rate of $39 per person for up to two guests, along with complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner. You’ll also receive two Delta Sky Club one-time guest passes and a Domestic First Class, Delta Comfort+®, or Main Cabin round-trip companion certificate each year. These perks aren’t included in the Delta SkyMiles® Platinum Business American Express Card.
Other benefits:
- Premium rewards: Earn 3x miles per dollar on purchases made directly with Delta, 1.5x miles per dollar after spending $150,000 in a calendar year, and 1x miles on all other purchases
- Welcome bonus: Receive 100,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 3 months of Card Membership. Offer ends 11/9/22.
- Status Boost®: Earn 15,000 MQMs after you spend $30,000 in purchases in a calendar year, up to four times per year
Just like the United ClubSM Business Card, this landed a spot in our roundup of the best business cards with airport lounge access because of its premium perks.
Alaska Airlines Visa® Business Card: Best for Low Annual Fee & Traveling With Companions
Alaska Airlines Visa® Business credit card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Those who fly with Alaska Airlines frequently
Intro APR
N/A
Regular APR
20.24% to 28.24% Variable APR on purchases
Annual Fee
$75 for the company and $25 per card
Credit Needed
Excellent
- Get 40,000 bonus miles plus Alaska's Famous Companion Fare from $121 ($99 fare plus taxes and fees from $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.
- 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 more than 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-plus destinations, more than a dozen global airline partners, and a low annual fee of $50 for the company and $25 per card.
Pros
- With sign-up bonus
- Doesn’t charge foreign transaction fees
- Has no penalty APR
Cons
- Doesn’t have a 0% introductory APR period on purchases and balance transfers
- Charges annual fees
- Requires excellent credit
- Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
- Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
- Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
- Free checked bag benefit: Those with an open account at the time of travel and up to six guests traveling on the same reservation may check one bag free of charge on qualifying reservations.
- Rebate on food, beverage, and Wi-Fi onboard purchases: You can receive a 20% rebate, in the form of a statement credit, on food, beverages, and Wi-Fi purchases made on any Alaska-operated flights.
Intro APR
N/A
Regular APR
20.24% to 28.24% Variable APR on purchases
Annual Fee
$75 for the company and $25 per card
Credit Needed
Excellent
- Get 40,000 bonus miles plus Alaska's Famous Companion Fare from $121 ($99 fare plus taxes and fees from $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.
- 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 more than 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-plus destinations, more than a dozen global airline partners, and a low annual fee of $50 for the company and $25 per card.
Pros
- With sign-up bonus
- Doesn’t charge foreign transaction fees
- Has no penalty APR
Cons
- Doesn’t have a 0% introductory APR period on purchases and balance transfers
- Charges annual fees
- Requires excellent credit
- Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
- Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
- Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
- Free checked bag benefit: Those with an open account at the time of travel and up to six guests traveling on the same reservation may check one bag free of charge on qualifying reservations.
- Rebate on food, beverage, and Wi-Fi onboard purchases: You can receive a 20% rebate, in the form of a statement credit, on food, beverages, and Wi-Fi purchases made on any Alaska-operated flights.
Why we like it: Among the business travel credit cards on this list that charge annual fees, the Alaska Airlines Visa® Business Card comes with the lowest annual fee of $75. It’s also an excellent option if you travel with companions because you can take advantage of one free checked bag each for you and up to six guests on the same reservation. Plus, you get Alaska’s Famous Companion Fare™ (starting at $121) every year on your account anniversary.
You can also earn unlimited 3x miles for every dollar spent on Alaska Airlines purchases and unlimited 1x miles for every dollar spent on all other purchases, then redeem miles for flights on Alaska Airlines and its partners. With Oneworld® Alliance, you can use your miles for travel to more than 900 destinations worldwide.
Other benefits:
- Welcome offer: Make at least $4,000 in purchases within the first 90 days from opening an account to receive 70,000 bonus miles and Alaska’s Famous Companion Fare™
- No foreign transaction fee: Use your card to make purchases outside the US without having to pay foreign transaction fees
- Exclusive savings: Get 20% back on all Alaska Airlines in-flight purchases and 50% off day passes at the Alaska Lounge
Barclays AAdvantage® Aviator® World Elite Business Mastercard®: Best for Earning AA Mileage Anniversary Bonus
AAdvantage® Aviator® World Elite Business Mastercard®
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Business owners that frequently fly American Airlines
Intro APR
N/A
Regular APR
18.24% or 27.24% 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
- Generous welcome offer
- Consolidated way of earning loyalty points
- No foreign transaction fees
Cons
- No interest-free financing option
- Can only obtain rewards by flying with American Airlines and its partner airlines
- Charges an 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 o to four companions can board before economy boarding.
- In-flight 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.
Intro APR
N/A
Regular APR
18.24% or 27.24% 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
- Generous welcome offer
- Consolidated way of earning loyalty points
- No foreign transaction fees
Cons
- No interest-free financing option
- Can only obtain rewards by flying with American Airlines and its partner airlines
- Charges an 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 o to four companions can board before economy boarding.
- In-flight 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® World Elite Business Mastercard® from Barclays is best for business owners who fly with American Airlines frequently and want to receive extra 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 70,000 bonus miles when you make $2,000 purchases in the first 90 days of card ownership and 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 doesn’t 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
- Anniversary bonus miles: Receive a 5% mileage bonus based on the total number of miles earned
- 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® Mastercard®
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Frequent American Airlines flyers who want premium airline perks
Intro APR
N/A
Regular APR
18.24% to 27.24% Variable
Annual Fee
$0 for the first year, then $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
- Provides travel perks with American Airlines
- No mileage cap
- No foreign transaction fees
Cons
- With annual fees
- 2x AAdvantage® Miles are limited to select business categories and merchants
- Limited travel benefits
- Free checked bag: Eligible CitiBusiness® / AAdvantage® Platinum Select® Mastercard® cardholders may check one bag free of charge when traveling on domestic itineraries marketed and operated by American Airlines or as 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 CitiBusiness® / AAdvantage® Platinum Select® Mastercard® cardholder are eligible to board at the same time.
- 25% savings on in-flight food, beverage and Wi-Fi: CitiBusiness® / AAdvantage® Platinum Select® Mastercard® cardholders can save up to 25% on food, beverages, and Wi-Fi when using the credit card on American Airlines flights.
- American Airlines Companion Certificate: Cardholders can earn an American Airlines Companion Certificate for domestic main cabin travel after spending $30,000 or more in purchases for each card membership year and card membership is renewed. It should be noted that if you wish to redeem the certificate, it will cost $99 for the ticketing fee plus $21.60 to $43.20 in government taxes and fees, based on the itinerary.
Intro APR
N/A
Regular APR
18.24% to 27.24% Variable
Annual Fee
$0 for the first year, then $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
- Provides travel perks with American Airlines
- No mileage cap
- No foreign transaction fees
Cons
- With annual fees
- 2x AAdvantage® Miles are limited to select business categories and merchants
- Limited travel benefits
- Free checked bag: Eligible CitiBusiness® / AAdvantage® Platinum Select® Mastercard® cardholders may check one bag free of charge when traveling on domestic itineraries marketed and operated by American Airlines or as 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 CitiBusiness® / AAdvantage® Platinum Select® Mastercard® cardholder are eligible to board at the same time.
- 25% savings on in-flight food, beverage and Wi-Fi: CitiBusiness® / AAdvantage® Platinum Select® Mastercard® cardholders can save up to 25% on food, beverages, and Wi-Fi when using the credit card on American Airlines flights.
- American Airlines Companion Certificate: Cardholders can earn an American Airlines Companion Certificate for domestic main cabin travel after spending $30,000 or more in purchases for each card membership year and card membership is renewed. It should be noted that if you wish to redeem the certificate, it will cost $99 for the ticketing fee plus $21.60 to $43.20 in government taxes and fees, based on the itinerary.
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 won’t 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.
You can also get 1x loyalty points for every 1x eligible miles 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
- No foreign transaction fees: Pay no additional fees when you use your card to make purchases outside the US
- 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 won’t be reported to the consumer credit bureaus, your business activities won’t affect your personal credit. This card is one of our top business credit cards that don’t report to personal credit bureaus.
How We Evaluated 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 took card benefits, perks, introductory rewards, and ongoing rewards into account.
Bottom Line
If you prefer to fly with Delta, Alaska Airlines, United Airlines, or American Airlines, one of these cards may be the most convenient and the best choice for you. If you’re not loyal to any particular airline, the Capital One® options provide better flexibility in how and where you spend your miles. If you’re uncertain if a miles card is the best choice for your business, consider one of our best small business credit cards or visit our Credit Card Marketplace for more options.
