8 Best Business Credit Cards for Miles

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

Intro APR

N/A

Regular APR

26.24% variable

Annual Fee

$0 intro for first year; $95 after that

Credit Needed

Excellent

Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months of account opening.
Unlimited 2x miles on every purchase, with no blackouts or seat restrictions and no minimum miles to redeem
5x miles on hotels and rental cars booked through Capital One Travel
Issue employee cards for free

Pros

With sign-up bonus
Offers fixed-rate miles rewards on all purchases
Does not charge balance transfer and foreign transaction fees

Cons

Does not have a 0% introductory period on purchases and balance transfers
Charges an annual fee after the first year

Airport security screening reimbursement: Either a $100 statement credit for Global Entry or an $85 statement credit for TSA PreCheck® once every four years.
Payment flexibility: Capital One lets you choose your monthly due date, enabling your business to control when to pay.
Capital One Lounge: Cardholders get two free visits per year to the Capital One Lounge, which offers luxurious amenities and fresh, local food and beverage options.

Intro APR

N/A

Regular APR

26.24% variable

Annual Fee

$0 intro for first year; $95 after that

Credit Needed

Excellent

Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months of account opening.
Unlimited 2x miles on every purchase, with no blackouts or seat restrictions and no minimum miles to redeem
5x miles on hotels and rental cars booked through Capital One Travel
Issue employee cards for free

Pros

With sign-up bonus
Offers fixed-rate miles rewards on all purchases
Does not charge balance transfer and foreign transaction fees

Cons

Does not have a 0% introductory period on purchases and balance transfers
Charges an annual fee after the first year

Airport security screening reimbursement: Either a $100 statement credit for Global Entry or an $85 statement credit for TSA PreCheck® once every four years.
Payment flexibility: Capital One lets you choose your monthly due date, enabling your business to control when to pay.
Capital One Lounge: Cardholders get two free visits per year to the Capital One Lounge, which offers luxurious amenities and fresh, local food and beverage options.

Why we like it: We chose it as our overall best business credit card for airline miles because of its simplicity. It lets you earn 2x miles per dollar on all purchases and 5x miles per dollar when you book hotel stays and car rentals through Capital One Travel. It has no foreign transaction fees and comes with a low annual fee of $95, which is waived for the first year. On top of that, it offers access to Capital One Lounge, with two free visits per year.

Other Perks:

Sign-up bonus: Receive 50,000 bonus miles after spending $4,500 on purchases within the first three months of account opening.
Global Entry or TSA PreCheck® credit: Earn up to $100 statement credit for Global Entry or TSA PreCheck® once every four years.
Miles transfer: Transfer your earned miles to any of Capital One’s 15-plus participating partners.

Consider the Capital One® Spark® Miles for Business if:

You have no particular airline preference when you travel—you can use your miles on flights, hotels, vacation packages, and more.
You want a straightforward rewards program and don’t want to keep track of spending categories.

It is also one of our best business credit cards with no foreign transaction fees due to its easy rewards program. It’s worth noting, however, that it does not offer an interest-free financing period and that it comes with a high ongoing annual percentage rate (APR).

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

Delta SkyMiles® Reserve Business American Express Card

BEST FOR:

Delta SkyMiles® Reserve Business American Express Card

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

Intro APR

N/A

Regular APR

20.99% - 29.99% 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. Card Members now enjoy 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. *Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter. Once all 15 Visits have been used, Eligible Card Members may purchase additional Delta Sky Club Visits (including Grab and Go) at a per-Visit rate of $50 per person using the Card.
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).
Enjoy 3x miles per dollar on Delta purchases.
With Status Boost®, earn 15,000 Medallion Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card through 12/31/23, up to four times per year getting you closer to Medallion Status.* MQMs are used to determine Medallion Status and are different from the miles you earn towards flights.*Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more.
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

20.99% - 29.99% 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. Card Members now enjoy 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. *Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter. Once all 15 Visits have been used, Eligible Card Members may purchase additional Delta Sky Club Visits (including Grab and Go) at a per-Visit rate of $50 per person using the Card.
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).
Enjoy 3x miles per dollar on Delta purchases.
With Status Boost®, earn 15,000 Medallion Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card through 12/31/23, up to four times per year getting you closer to Medallion Status.* MQMs are used to determine Medallion Status and are different from the miles you earn towards flights.*Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more.
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

Why we like it: This card offers generous rewards and premium Delta Air Lines perks, making it ideal for business owners who prefer to fly with Delta and enjoy luxury travel. You can earn miles that can be redeemed for free Delta flights and seat upgrades:

3x miles per dollar on Delta purchases
1.5x miles per dollar on purchases of at least $5,000 (on up to 50,000 additional miles per year)
1x miles per dollar on all other purchases

In addition, you can take advantage of travel perks, including Main Cabin 1 priority boarding, one free checked bag per flight, access to complimentary upgrades when available, and no foreign transaction fees. You will also receive Global Entry or TSA PreCheck® fee credit, travel protections, 15% off on award travel, access to the Delta SkyMiles® Reserve Business American Express Concierge, and more.

Other Perks:

Welcome offer: Receive 70,000 bonus miles after spending $5,000 on purchases within the first three months of account opening.
Complimentary access to The Centurion® Lounge and Escape Lounge: Book a Delta flight using this card and receive complimentary access to either The Centurion® Lounge or Escape Lounge.
Complimentary Delta Sky Club® Access Effective 2/1/25, Reserve Card Members will receive 10 Visits per year to the Delta Sky Club. To earn unlimited visits per year starting on 2/1/25, you need a total eligible purchase of $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter. : Access the Delta Sky Clubs for free and take advantage of an exclusive per-visit rate of $50 per person for up to two guests.
Delta Sky Club One-Time Guest Passes: Receive two Delta Sky Club One-Time Guest Passes each year.
Companion Certificate: Get a Domestic First Class, Delta Comfort+®, or a Main Cabin round-trip companion certificate each year upon renewal of this card.

Consider the Delta SkyMiles® Reserve Business American Express Card if:

You want complimentary access to airport lounges.
You don’t mind paying a high annual fee of $550 in exchange for premium travel perks.

The card is also one of our best business credit cards with airport lounge access. It’s worth noting that balance transfer transactions are not allowed.

Delta SkyMiles® Platinum Business American Express Card: Best for Earning Delta Miles with Basic Travel Perks

Delta SkyMiles® Platinum Business American Express Card

BEST FOR:

Frequent Delta flyers who want to access premium business Delta features

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

Intro APR

N/A

Regular APR

20.99% - 29.99% 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.
Delta SkyMiles® Platinum Business American Express Card Members save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
You can receive a domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. 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 Calendar 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 or immediate family while flying together on Delta. Effective 1/1/24, this benefit will no longer be available.
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. MQMs are used to determine Medallion Status and are different from the miles you earn towards flights. Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more at delta.com/skymilesprogramchanges.
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

20.99% - 29.99% 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.
Delta SkyMiles® Platinum Business American Express Card Members save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
You can receive a domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. 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 Calendar 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 or immediate family while flying together on Delta. Effective 1/1/24, this benefit will no longer be available.
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. MQMs are used to determine Medallion Status and are different from the miles you earn towards flights. Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more at delta.com/skymilesprogramchanges.
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: For an annual fee of $250 (which is significantly lower compared to what Delta SkyMiles® Reserve Business American Express Card charges), this card lets you earn:

3x miles per dollar on Delta purchases
1.5x miles per dollar on purchases of at least $5,000 (on up to 50,000 additional miles per year)
1x miles per dollar on all other purchases

You can redeem these miles for free flights and seat upgrades at Delta. What’s more, it offers travel perks like priority boarding, one free checked bag per flight, 20% back on in-flight purchases, and no foreign transaction fees.

Other Perks:

Welcome offer: Earn 60,000 miles after spending $3,000 in purchases within the first three months of card ownership.
TakeOff 15: Use your miles to book for award travel on Delta flights through delta.com and the Fly Delta app and enjoy 15% off.
Companion Certificate: Get a Domestic Main Cabin round-trip companion certificate each year after renewing your card.
Delta Sky Club® Access: Enjoy an exclusive per-visit rate of $50 per person for you and up to two companions when traveling with Delta.
Global Entry or TSA PreCheck® credit: Earn up to $100 statement credit for Global Entry or TSA PreCheck® once every four years.

Consider the Delta SkyMiles® Platinum Business American Express Card if:

You don’t need free access to the Delta Sky Club®.
You can spend $25,000 to $50,000 in a calendar year—you’ll earn 10,000 Medallion® Qualification Miles per $25,000 spending (up to two times per year), helping you reach Medallion® Status faster.

It is also one of our top business credit cards for travel, recommended for those who fly with Delta Air Lines frequently. Keep in mind that it does not allow balance transfers, so it may not be a good option if you plan to consolidate your credit card debts.

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 who want premium airline perks

on Citi's Secure Website

Intro APR

N/A

Regular APR

21.24% to 29.99% 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 after spending $30,000 or more in purchases each calendar year and 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

21.24% to 29.99% 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 after spending $30,000 or more in purchases each calendar year and 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: Citi is one of the few business credit card providers that don’t report your activities to personal credit bureaus. Using this card helps keep your personal and business credit separate, making it an ideal option if you don’t want your business transactions to affect your personal credit score. What’s more, it offers American Airlines AAdvantage® miles on your purchases that can be redeemed for flights and seat upgrades at American Airlines.

You will receive:

2x miles per dollar on eligible American Airlines purchases
2x miles per dollar at gas stations, car rental merchants, telecommunications merchants, and cable and satellite providers
1x miles per dollar on all other eligible purchases

In addition to AAdvantage® miles, you will also receive one Loyalty Point for every $1 spent on all your purchases. Loyalty Points can help you level up your AAdvantage® status to receive more benefits. You can also take advantage of travel perks like priority boarding, 25% savings on inflight Wi-Fi, food, and beverage purchases on American Airlines flights, and no foreign transaction fees on international purchases.

Other Perks:

Sign-up bonus: Earn 65,000 American Airlines AAdvantage® miles after spending $6,000 within the first four months of account opening.
Free checked bag: Receive one complimentary checked baggage each for you and up to four travel companions on the same domestic American Airlines reservation.
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.

Consider the CitiBusiness® / AAdvantage® Platinum Select® Mastercard® if:

You prefer to fly with American Airlines.
You don’t need to build or improve your personal credit score or don’t want your business credit transactions to affect your personal credit.

It is one of our top business credit cards that don’t report to personal credit bureaus. It’s worth noting that similar to the other best business credit cards for airline miles, it does not offer a 0% introductory period on purchases and balance transfers.

Capital One® Spark® Miles Select for Business: Best for No Annual Fee & Straightforward Rewards

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

None

Regular APR

18.49% to 24.49% variable

Annual Fee

Credit Needed

Excellent

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% annual percentage rate (APR) balance transfer offer
Limited list of airline partners

Purchase assurance: Most purchases made entirely with your card are covered if damaged or stolen within 90 days from the date of purchase. Coverage is limited to $10,000 per claim and $50,000 per cardholder account per 12-month period.
Extended warranty coverage: Doubles the original warranty time period and duplicates the coverage of the original manufacturer’s warranty up to a maximum of 12 months on most items you purchase.
Travel medical emergency assistance: Provide referrals to medical services if you have a medical emergency while traveling. You’re covered if you’re 100 or more miles away from home and from the day you leave until midnight of the 60th day of your trip, or the day you return to your city of residence, whichever is sooner.

Intro APR

None

Regular APR

18.49% to 24.49% variable

Annual Fee

Credit Needed

Excellent

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% annual percentage rate (APR) balance transfer offer
Limited list of airline partners

Purchase assurance: Most purchases made entirely with your card are covered if damaged or stolen within 90 days from the date of purchase. Coverage is limited to $10,000 per claim and $50,000 per cardholder account per 12-month period.
Extended warranty coverage: Doubles the original warranty time period and duplicates the coverage of the original manufacturer’s warranty up to a maximum of 12 months on most items you purchase.
Travel medical emergency assistance: Provide referrals to medical services if you have a medical emergency while traveling. You’re covered if you’re 100 or more miles away from home and from the day you leave until midnight of the 60th day of your trip, or the day you return to your city of residence, whichever is sooner.

Why we like it: Among all the best business credit cards for miles on this list, this is the only one that does not charge an annual fee. Plus, it offers straightforward rewards—5x miles on car rentals and hotel stays booked through Capital One Travel, and 1.5x miles on all other purchases. You can use your miles on flights, hotel stays, vacation packages, or transfer them to any of Capital One’s 15-plus travel partners.

Other Perks:

Sign-up bonus: Receive 50,000 bonus miles after spending $4,500 on purchases within the first three months of account opening.
Travel expenses reimbursement: Use miles to reimburse travel expenses within 90 days of purchase.
No foreign transaction and balance transfer fees: Pay no additional fees on international purchases and balance transfers.

Consider the Capital One® Spark® Miles Select for Business if:

You don’t want to pay an annual fee.
You don’t have a specific airline preference when you travel.

It is also one of our top-ranking business credit cards for travel because of its cost-saving features. Keep in mind that it doesn’t come with an interest-free financing period.

Delta SkyMiles® Gold Business American Express Card: Best for Frequent Delta Flyers Who Want a Low Annual Fee

Delta SkyMiles® Gold Business American Express Card

BEST FOR:

Delta Air Lines flyers and earning rewards outside of Delta purchases

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

Intro APR

N/A

Regular APR

20.99% - 29.99% Variable

Annual Fee

$0 introductory annual fee for the first year, then $99

Credit Needed

Good, Excellent

Welcome Offer: Earn 50,000 Bonus Miles after spending $2,000 in purchases on your new Card in your first 3 months of Card Membership.
Card Members save 15% when booking Award Travel with miles on Delta flights when using delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
Check and stow your bag with ease: First Checked Bag Free on Delta Flights + Main Cabin 1 Priority Boarding.
Earn 2 Miles on every dollar spent on eligible purchases at U.S. shipping providers and eligible U.S. advertising purchases in select media. Effective 1/1/2024, this benefit will have a cap of $50,000 in eligible purchases per category, per year.
Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
Earn 1 Mile on every eligible dollar spent on other purchases.
Additionally, receive a $100 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases on your Card in a calendar year.
Pay no foreign transaction fees when you travel overseas.
$0 introductory annual fee for the first year, then $99.
Terms and limitations apply.

Pros

Low annual fee
No foreign transaction fees
Earn a $100 Delta flight credit

Cons

Balance transfers aren’t allowed
No free or discounted Delta Sky Club access
No 0% introductory APR

Free checked bag: Check one bag for free for you and up to eight companions
Savings on inflight purchases: Receive a 20% discount on inflight purchases you make with your American Express Gold Delta SkyMiles® Business Credit Card
Baggage insurance: If your luggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on baggage and $500 for checked bags
Car rental insurance: Coverage is primary, which means it replaces any coverage your personal insurance might offer when renting for business purposes; it provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the US and abroad

See Rates
& Fees

Intro APR

N/A

Regular APR

20.99% - 29.99% Variable

Annual Fee

$0 introductory annual fee for the first year, then $99

Credit Needed

Good, Excellent

Welcome Offer: Earn 50,000 Bonus Miles after spending $2,000 in purchases on your new Card in your first 3 months of Card Membership.
Card Members save 15% when booking Award Travel with miles on Delta flights when using delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
Check and stow your bag with ease: First Checked Bag Free on Delta Flights + Main Cabin 1 Priority Boarding.
Earn 2 Miles on every dollar spent on eligible purchases at U.S. shipping providers and eligible U.S. advertising purchases in select media. Effective 1/1/2024, this benefit will have a cap of $50,000 in eligible purchases per category, per year.
Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
Earn 1 Mile on every eligible dollar spent on other purchases.
Additionally, receive a $100 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases on your Card in a calendar year.
Pay no foreign transaction fees when you travel overseas.
$0 introductory annual fee for the first year, then $99.
Terms and limitations apply.

Pros

Low annual fee
No foreign transaction fees
Earn a $100 Delta flight credit

Cons

Balance transfers aren’t allowed
No free or discounted Delta Sky Club access
No 0% introductory APR

Free checked bag: Check one bag for free for you and up to eight companions
Savings on inflight purchases: Receive a 20% discount on inflight purchases you make with your American Express Gold Delta SkyMiles® Business Credit Card
Baggage insurance: If your luggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on baggage and $500 for checked bags
Car rental insurance: Coverage is primary, which means it replaces any coverage your personal insurance might offer when renting for business purposes; it provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the US and abroad

See Rates & Fees

Why we like it: Among the three Delta co-branded cards in this guide, the Delta SkyMiles® Gold Business American Express Card comes with a low annual fee of $99—not only that, you get to enjoy an introductory $0 annual fee for the first year too. It offers 2x miles per dollar on eligible purchases at Delta, and 1x miles per dollar on all other purchases. Plus, you can get a $100 Delta flight credit after spending $10,000 in purchases in a calendar year.

On top of those, it comes with other benefits, including no foreign transaction fees, Main Cabin 1 priority boarding, a baggage insurance plan, and a 15% miles discount when you use your miles on award flights.

Other Perks:

Welcome offer: Earn 50,000 bonus miles when you spend $2,000 in the first three months of opening an account.
First free checked bag: Check one bag for free and save up to $60 on a round-trip Delta flight.
20% in-flight savings: Get 20% off in the form of a statement credit on select Delta in-flight purchases.

Consider the Delta SkyMiles® Gold Business American Express Card if:

You fly with Delta frequently but don’t need premium Delta perks, like free or discounted access to the Delta Sky Club®.
You prefer a Delta co-branded credit card with a low annual fee.

It’s worth noting that the card does not come with a 0% APR period, and balance transfers are not allowed. Also, if you need to access the Delta Sky Club®, you need to pay the regular per-visit rate.

Hawaiian Airlines® World Elite Business Mastercard®: Best for Loyal Hawaiian Airlines Customers Who Have Significant Spending on Gas, Dining & Office Supplies

Hawaiian Airlines® World Elite Business Mastercard®

BEST FOR:

Hawaiian Airlines loyalists

On Barclay's Secure Website

Intro APR

N/A

Regular APR

21.24% to 30.24% variable

Annual Fee

$99

Credit Needed

Good to Excellent

Earn 50,000 bonus miles after spending $2,000 on purchases within the first 90 days, and earn an additional 10,000 miles after a purchase is made on an employee card in the first 90 days
Earn a one-time 50% discount on one companion pass
Earn 20,000 bonus miles with $50,000-$99,999 in annual purchases, OR 40,000 bonus miles with $100,000 or more in annual purchases
Earn 3x miles on Hawaiian Airlines purchases

Pros

Doesn’t charge foreign transaction fees
Low spending requirement for sign-up bonus
Can share miles with family and friends

Cons

Has no 0% intro annual percentage rate (APR)
No free checked bag benefit
Companion discount is only good for flights between Hawaii and North America

HawaiianMiles Share Miles: Allows cardholders to share earned miles with family and friends faster. You can send and receive HawaiianMiles transferred from friends and family up to a maximum of 10 times per calendar year.
Complimentary employee cards: You can create employee cards that can help you earn rewards faster and control business spending at no cost.
Companion ticket: Receive a one-time 50% off companion discount for round-trip coach travel between Hawaii and North America on Hawaiian Airlines

Intro APR

N/A

Regular APR

21.24% to 30.24% variable

Annual Fee

$99

Credit Needed

Good to Excellent

Earn 50,000 bonus miles after spending $2,000 on purchases within the first 90 days, and earn an additional 10,000 miles after a purchase is made on an employee card in the first 90 days
Earn a one-time 50% discount on one companion pass
Earn 20,000 bonus miles with $50,000-$99,999 in annual purchases, OR 40,000 bonus miles with $100,000 or more in annual purchases
Earn 3x miles on Hawaiian Airlines purchases

Pros

Doesn’t charge foreign transaction fees
Low spending requirement for sign-up bonus
Can share miles with family and friends

Cons

Has no 0% intro annual percentage rate (APR)
No free checked bag benefit
Companion discount is only good for flights between Hawaii and North America

HawaiianMiles Share Miles: Allows cardholders to share earned miles with family and friends faster. You can send and receive HawaiianMiles transferred from friends and family up to a maximum of 10 times per calendar year.
Complimentary employee cards: You can create employee cards that can help you earn rewards faster and control business spending at no cost.
Companion ticket: Receive a one-time 50% off companion discount for round-trip coach travel between Hawaii and North America on Hawaiian Airlines

Why we like it: It comes with a low annual fee of $99 and lets you earn premium rewards—3x miles on Hawaiian Airlines purchases, 2x miles on dining, gas, and office supplies, and 1x miles on everything else. You can redeem your miles for free flights, or share them with family and friends for free. What’s more, you can earn up to 40,000 bonus miles per year when you meet the spending requirements, and it charges no foreign transaction fees.

Other Perks:

Sign-up bonus: Receive up to 70,000 bonus miles—60,000 miles when you spend $2,000 in the first 90 days, and 10,000 miles after a purchase is made on an employee card.
One-time 50% Off companion discount: Get a one-time 50% off companion discount for roundtrip coach travel between North America and Hawaii.
Bonus miles at participating partners: Shop at select HawaiianMiles Marketplace partners to earn bonus HawaiianMiles for every dollar spent (bonus miles vary depending on the partner merchant).

Consider the Hawaiian Airlines® World Elite Business Mastercard® if:

You need to travel to Hawaii and primarily use Hawaiian Airlines.
You have friends and family who are members of the HawaiianMiles program, so you can take advantage of Share Miles.

Note that you can earn unlimited miles without expiration for as long as your account remains active and in good condition. However, the card doesn’t offer a free checked bag benefit and have an interest-free financing period.

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

21.74% to 28.74% variable

Annual Fee

$450

Credit Needed

Good - Excellent

50,000 bonus miles after spending $5,000 on purchases within the first three months after account opening
United ClubSM membership
Two Premier Access® travel services
First and second checked bag free
Earn double miles on tickets purchased from United
Earn 1.5 miles per $1 spent on all other purchases
No foreign transaction fees

Pros

With free first and second checked bags
Has sign-up bonus
Offers United Club membership

Cons

Charges high annual fee
Does not have a 0% introductory period on purchases and balance transfers

United Club membership: You and other eligible travel companions will receive free access to all United Club locations and participating Star Alliance™ affiliated lounges worldwide.
Avis President’s Club®: Primary cardholders are invited to enroll in Avis President’s Club® and enjoy complimentary two-car class upgrades, guaranteed car availability, expedited rental services, and more.
Free two checked bags: The primary cardholder and their companion traveling with the same reservation will each receive free checked bags (up to $35 value for the first checked bag and up to $45 value for the second checked bag, each way, per person).
Lost luggage reimbursement: You and your immediate family member are covered up to $3,000 if you check or carry luggage damaged or lost by the carrier.
Baggage delay insurance: If there’s a baggage delay of more than six hours, you can be reimbursed for essential purchases, such as toiletries and clothing, up to $100 a day for three days.

Intro APR

N/A

Regular APR

21.74% to 28.74% variable

Annual Fee

$450

Credit Needed

Good - Excellent

50,000 bonus miles after spending $5,000 on purchases within the first three months after account opening
United ClubSM membership
Two Premier Access® travel services
First and second checked bag free
Earn double miles on tickets purchased from United
Earn 1.5 miles per $1 spent on all other purchases
No foreign transaction fees

Pros

With free first and second checked bags
Has sign-up bonus
Offers United Club membership

Cons

Charges high annual fee
Does not have a 0% introductory period on purchases and balance transfers

United Club membership: You and other eligible travel companions will receive free access to all United Club locations and participating Star Alliance™ affiliated lounges worldwide.
Avis President’s Club®: Primary cardholders are invited to enroll in Avis President’s Club® and enjoy complimentary two-car class upgrades, guaranteed car availability, expedited rental services, and more.
Free two checked bags: The primary cardholder and their companion traveling with the same reservation will each receive free checked bags (up to $35 value for the first checked bag and up to $45 value for the second checked bag, each way, per person).
Lost luggage reimbursement: You and your immediate family member are covered up to $3,000 if you check or carry luggage damaged or lost by the carrier.
Baggage delay insurance: If there’s a baggage delay of more than six hours, you can be reimbursed for essential purchases, such as toiletries and clothing, up to $100 a day for three days.