13 Business Credit Cards for Airline Miles

Business owners often put expenses on a credit card to keep business and personal expenses separate. If you’re going to use a credit card anyway, you might as well be rewarded for it. For business owners that fly often for business, consider a business credit card for airline miles. When you accumulate enough miles, you can use them for free flights. Below is a list of our favorite business credit cards for airline miles.

Our Favorite Business Credit Cards for Airline Miles

Capital One Spark Miles for Business

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Our Rating: 4.7

★★★★★☆

Capital One Spark Miles for Business

Welcome Offer

Earn a one-time bonus of 50,000 miles – equal to $500 in travel

Est. Value

Up to $500

Annual Fee

$0 intro for first year; $95 after that

APR

25.24% Variable

Credit Req’d

Excellent, Good

Rewards: Earn 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Travel. Earn 2x miles on other purchases.

Capital One Spark Miles for Business makes the list because it offers an unlimited 2x miles on every purchase. You also get 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Travel. On top of that, there is a welcome offer which is worth Up to $500 in travel. To make your time at the airport faster and smoother, the card also offers up to a $120 credit for TSA PreCheck® or Global Entry. It does not offer airport lounge access, however, so if that’s important to you, consider the Capital One Venture X Business instead. But if you just want to rack up miles without having to worry about categories, this card is a great choice.

2x miles

All eligible purchases

Earn 2 Miles per $1 on every purchase, everywhere.

5x miles

Select Categories

Earn 5 Miles per dollar on vacation rentals booked through Capital One Travel.

5x miles

Hotels

Earn 5 Miles per dollar on hotels booked through Capital One Travel.

5x miles

Rental Cars

Earn 5 Miles per dollar on rental cars booked through Capital One Travel.

Pros

Welcome offer
No foreign transaction fee
Up to 2% cash back

Cons

Annual fee

App Status	Date	Credit Score	Bureau	Credit Limit
Denied	10/19/2022	580	Not Provided	---
Denied	10/19/2022	642	Experian	---

American Express® Business Gold Card

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Our Rating: 4.5

★★★★★☆

American Express® Business Gold Card

Welcome Offer (Terms Apply)

Earn 100,000 Membership Rewards® points

Est. Value

Up to $2,000

Annual Fee

$375

APR

18.49% – 27.49% Variable

Credit Req’d

Excellent, Good

Rewards: Earn 4x Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4x points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap. Earn 3x Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card. Earn 1x points for other eligible purchases. Terms Apply.

American Express® Business Gold Card pays 4x Membership Rewards® points on the top two eligible categories where you spend the most money. Categories include:

U.S. purchases made from electronic goods retailers and software & cloud system providers
Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways.
Purchases at U.S. media providers for advertising in select media (online, TV, radio)
U.S. purchases at restaurants, including takeout and delivery
U.S. purchases at gas stations

All of this is great, but what does it have to do with airline miles? The card also pays 3x points on flights and prepaid hotels booked on AmexTravel.com, plus 1x points on all other eligible purchases. If you take all of those points and transfer them to an American Express travel partner, you could score a free flight.

Terms Apply.

1x points

On all other eligible purchases

1X is earned for other eligible purchases.

3x points

Airfare

Earn 3X Membership Rewards® points on flights booked on amextravel.com using your Business Gold Card.

3x points

Hotels

Earn 3X Membership Rewards® points on prepaid hotels booked on amextravel.com using your Business Gold Card.

4x points

Select Categories

Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.

Pros

Welcome offer
No foreign transaction fee
Up to 4X Points

Cons

Annual fee
Requires good credit

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	02/01/2024	760	Not Provided	---
Approved	07/15/2023	709	Equifax	---
Approved	07/15/2023	715	Equifax	---
Approved	07/15/2023	719	TransUnion	---
Approved	07/15/2023	724	Experian	---
Approved	07/15/2023	726	TransUnion	---
Approved	01/10/2024	797	Experian	---
Approved	10/13/2023	682	Equifax	---
Approved	10/13/2023	721	Experian	---
Approved	10/13/2023	732	TransUnion	---
Approved	06/06/2023	780	Not Provided	---
Approved	01/22/2024	725	Experian	---

The Business Platinum Card® from American Express

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Our Rating: 4.5

★★★★★☆

The Business Platinum Card® from American Express

Welcome Offer (Terms Apply)

Earn 150,000 Membership Rewards® points (Terms Apply)

Est. Value

Up to $3,000

Annual Fee

$695

APR

18.49% – 27.49% Variable

Credit Req’d

Excellent, Good

Rewards: Earn 5x Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com. Earn 1.5x points on eligible purchases at U.S. construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per card account per calendar year. Earn 1x pointx on other eligible purchases. Terms Apply.

The Business Platinum Card® from American Express has a stellar welcome offer, plus you’ll earn 5x Membership Rewards® points on flights and prepaid hotels booked on amextravel.com. You’ll also earn points on many common business expenses such as U.S. construction materials, shipping providers, or cloud system providers.

There are also valuable travel credits that will make your business travel far more pleasant including: $199 CLEAR® Plus Credit so you can breeze through airport security, airport lounge access so you can get some work done while you wait for your flight, and a $200 airline fee credit which takes care of incidental fees such as checked bags and in-flight purchases.

Terms Apply.

1x points

On all other eligible purchases

Earn 1X points for each dollar you spend on eligible purchases.

1.5x points

Select Categories

Earn 1.5X points (that's an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.

5x points

Airfare

5X Membership Rewards® points on flights on AmexTravel.com.

5x points

Hotels

5X Membership Rewards® points on prepaid hotels on amextravel.com.

Pros

Welcome offer
No foreign transaction fee
Up to 5x points

Cons

Annual fee
Requires good credit

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	02/11/2023	720	Not Provided	---
Approved	08/29/2023	767	Experian	---
Approved	08/03/2023	690	Not Provided	$50,000
Approved	03/24/2023	788	Not Provided	$2,000
Denied	12/11/2023	753	Experian	---

Capital One Venture X Business

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Our Rating: 4.9

★★★★★☆

Capital One Venture X Business

Welcome Offer

150,000 Miles

Est. Value

Up to $1,500

Annual Fee

$395

APR

N/A Variable

Credit Req’d

Excellent

Rewards: Earn 10x miles on hotels and rental cars booked through Capital One Travel. Earn 5x miles on flights and vacation rentals booked through Capital One Travel. Earn 2x miles on other purchases.

The Capital One Venture X Business has a whopping welcome offer plus you’ll earn 2x miles on every purchase. Cardholders can also enjoy a $300 travel credit each year for bookings through Capital One Travel and 10,000 anniversary bonus miles. There’s up to a $120 credit for Global Entry or TSA PreCheck®, and once you’re through security, you can relax in one of 1,300+ partner lounges. Keep in mind, this is a pay-in-full card so you’ll have to pay your balance every month.

2x miles

All eligible purchases

Earn 2 Miles per dollar on every purchase.

5x miles

Select Categories

Earn 5 Miles per dollar on vacation rentals booked through Capital One Travel.

5x miles

Airfare

Earn 5 Miles per dollar on flights booked through Capital One Travel.

10x miles

Hotels

Earn 10 Miles per dollar on hotels booked through Capital One Travel.

10x miles

Rental Cars

Earn 10 Miles per dollar on rental cars booked through Capital One Travel.

Pros

Welcome offer
No foreign transaction fee
Unlimited 2X miles on every purchase

Cons

Annual fee
Requires good credit
Pay-in-full card

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	07/01/2023	752	Not Provided	---
Approved	01/11/2024	780	Not Provided	---
Approved	11/09/2023	768	Equifax	---
Approved	11/09/2023	783	TransUnion	---
Approved	11/09/2023	814	Experian	---
Denied	12/31/2023	741	TransUnion	---
Denied	12/31/2023	775	Equifax	---

Ink Business Preferred® Credit Card

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Our Rating: 4.7

★★★★★☆

Ink Business Preferred® Credit Card

Welcome Offer

Earn 90,000 bonus points

Est. Value

Up to $1,125

Annual Fee

$95

APR

20.24% – 26.24% Variable

Credit Req’d

Excellent, Good

Rewards: Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1x points on other purchases.

The Ink Business Preferred® Credit Card earns Chase Ultimate Rewards points, which is great all by itself. But the points on this card are worth 25% more when you redeem them for travel through Chase Travel^SM, and if you transfer your points to Chase’s travel partners, your points could be worth more. There is no airport lounge access, but you do get some nice travel benefits and cell phone protection when you pay your bill with your card.

1x points

On all other eligible purchases

Earn 1 point per $1 on all other purchases

3x points

All eligible purchases

Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year.

Pros

Welcome offer
No foreign transaction fee
Earns Chase Ultimate Rewards points
Earn up to 3x points

Cons

Annual fee
Requires good credit

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	09/04/2023	760	Not Provided	---
Approved	09/26/2023	746	Experian	$5,500
Approved	09/26/2023	764	TransUnion	$5,500
Approved	09/26/2023	798	Equifax	$5,500
Approved	12/27/2023	710	Not Provided	$14,500
Approved	07/03/2023	755	Experian	$14,500
Approved	09/21/2023	816	Not Provided	---
Approved	01/06/2024	825	Experian	$10,000
Approved	01/06/2024	845	Equifax	$10,000
Approved	01/06/2024	845	TransUnion	$10,000
Approved	10/31/2023	788	Experian	$63,000
Approved	10/31/2023	804	TransUnion	$63,000

Delta SkyMiles® Reserve Business American Express Card

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Our Rating: 4.2

★★★★★☆

Delta SkyMiles® Reserve Business American Express Card

Welcome Offer (Terms Apply)

Earn 80,000 Bonus Miles (Terms Apply)

Est. Value

Up to $1,000

Annual Fee

$650

APR

19.99% – 28.99% Variable

Credit Req’d

Excellent, Good

Rewards: Earn 3x miles on eligible Delta purchases. Earn 1.5x miles on U.S. office supply store purchases, eligible U.S. shipping purchases, eligible transit purchases and on all eligible purchases after you spend $150,000 in purchases on your Card in a year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply. Earn 1x miles on other purchases. Terms Apply.

The Delta SkyMiles® Reserve Business American Express Card is perfect for business owners who travel a lot and prefer to fly Delta. Not only do you get a great welcome offer and ongoing rewards, but you also get a companion certificate good for a round trip flight (within the U.S., to Mexico, the Carribean, or Central America) each year when you renew your card. This more than justifies the annual fee. And you get some nice travel perks such as a free checked bag, Zone 5 priority boarding, and airport lounge access.

Terms Apply.

1x miles

On all other eligible purchases

Earn 1X miles on other purchases made using the Delta SkyMiles® Reserve Business Card

1.5x miles

Office Supplies

Earn 1.5X miles on U.S. office supply store purchases

1.5x miles

All eligible purchases

Earn 1.5X miles on all eligible purchases after you spend $150,000 in purchases on your Card in a year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.

1.5x miles

Select Categories

Earn 1.5X miles on eligible U.S. shipping purchases

1.5x miles

Transit

Earn 1.5X miles on eligible transit purchases

3x miles

Delta Purchases

Earn 3x miles on eligible Delta purchases

Pros

Welcome offer
No foreign transaction fee
Up to 3X miles

Cons

Annual fee
Requires good credit

United Club(SM) Business Card

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Our Rating: 4.5

★★★★★☆

United Club(SM) Business Card

Welcome Offer

Earn 50,000 bonus miles + 1,000 Premier qualifying points (PQP)

Est. Value

Up to $700

Annual Fee

$450

APR

21.49%–28.49% Variable

Credit Req’d

Good to Excellent 670 – 850

Rewards: Earn 7x total miles on United flights. Earn 3.5x total miles on hotel stays booked through United Hotels. Earn 2x miles on other United purchases. Earn 1.5x miles on all other purchases.

The United Club(SM) Business Card is for the small business owner who travels frequently and prefers to fly United. Cardholders will enjoy their first and second bags checked for free, plus airport lounge access (which United says it worth $650 a year). Employee cards are free, and the card offers a slew of great travel benefits.

All information about United Club(SM) Business Card has been collected independently by allCards.com. United Club(SM) Business Card is no longer available through allCards.com.

1.5x miles

On all other eligible purchases

Earn 1.5x miles on all other purchases

2x miles

United Purchases

Earn 2x miles on other United purchases.

3.5x miles

Hotels

Earn 3.5x total miles on hotel stays booked through United Hotels - 2x miles from United as a MileagePlus member, plus 1.5x miles earned with the United Club Business Card.

7x miles

United Purchases

Earn 7x total miles on United flights - 5x miles on fare from United as a MileagePlus member, plus 2x miles on entire United purchase with the United Club Business Card.

Pros

Welcome offer
No foreign transaction fee
Free checked bags
Airport lounge access

Cons

Annual fee
High APR
Requires good credit

Bank of America Business Advantage Travel Rewards World Mastercard®

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Our Rating: 4.5

★★★★★☆

Bank of America Business Advantage Travel Rewards World Mastercard®

Welcome Offer

Earn 30,000 online bonus points

Est. Value

$300

Annual Fee

APR

17.99% to 27.99% Variable

Credit Req’d

Excellent 740 – 850

Rewards: Earn unlimited 1.5 points for every $1 spent on all purchases.

The Bank of America Business Advantage Travel Rewards World Mastercard® is a simple travel rewards business credit card with decent rewards and a nice welcome offer. Like all Bank of America cards, if you are a preferred member, you can earn up to 2.62 points on all purchases. That’s a fantastic rate for any credit card, but especially for one with no annual fee.

1.5x points

All eligible purchases

Earn an unlimited 1.5 points for every dollar you spend on all purchases

Pros

Welcome offer
No annual fee
No foreign transaction fee
1.5 points per dollar spent on all purchases

Cons

High APR
Requires good credit

Capital One Spark Miles Select for Business

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Our Rating: 4.0

★★★★☆

Capital One Spark Miles Select for Business

Welcome Offer

50,000 Miles

Est. Value

$500

Annual Fee

APR

17.99% – 23.99% Variable

Credit Req’d

Good 670 – 739

Rewards: Earn 5x miles on hotels and rental cars booked through Capital One Travel. Earn unlimited 1.5x miles on other purchases.

The Capital One Spark Miles Select for Business is quite similar to the Capital One Spark Miles for Business, except you earn 1.5x miles on every purchase instead of 2x miles, and there’s no annual fee. This card is an excellent choice for the occasional business traveler who wants to earn some miles without a fuss and without an annual fee.

1.5x miles

All eligible purchases

Earn unlimited 1.5X miles on every purchase

5x miles

Hotels

Earn 5X miles on hotels booked through Capital One Travel

5x miles

Rental Cars

Earn 5X miles on rental cars booked through Capital One Travel

Pros

Welcome offer
No annual fee
No foreign transaction fee
Up to 1.5% rewards

Cons

Requires good credit

Delta SkyMiles® Platinum Business American Express Card

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Our Rating: 4.6

★★★★★☆

Delta SkyMiles® Platinum Business American Express Card

Welcome Offer (Terms Apply)

Earn 70,000 Bonus Miles (Terms Apply)

Est. Value

Up to $875

Annual Fee

$350

APR

19.99% – 28.99% Variable

Credit Req’d

Excellent, Good

Rewards: Earn 3 miles on every dollar spent on eligible purchases made directly with Delta and directly with hotels. Earn 1.5x miles on eligible U.S. shipping purchases and eligible transit purchases. Earn 1.5x miles on eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply. Earn 1x miles on other eligible purchases. Terms Apply.

Delta SkyMiles® Platinum Business American Express Card is for business owners and frequent Delta flyers. Perks include no foreign transaction fees, Zone 5 priority boarding, and a free checked bag. What really makes the card stand out, though, is the companion certificate (on Main Cabin domestic, Caribbean, or Central American roundtrip flights) each year when you renew your card (minus taxes and fees). If you don’t need airport lounge access, this card is a great deal.

Terms Apply.

1x miles

On all other eligible purchases

Earn 1x miles on every eligible dollar spent on other purchases

1.5x miles

Select Categories

Earn 1.5X miles on eligible U.S. shipping purchases.

1.5x miles

Select Categories

Earn 1.5X miles on eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.

1.5x miles

Transit

Earn 1.5X miles on eligible transit purchases.

3x miles

Delta Purchases

3 miles on every dollar spent on eligible purchases made directly with Delta.

3x miles

Hotels

3 miles on every eligible dollar spent on purchases made directly with hotels.

Pros

Welcome offer
No foreign transaction fee

Cons

Annual fee
High APR
Requires good credit

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	06/13/2022	659	Experian	$1,700

Southwest® Rapid Rewards® Performance Business Credit Card

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Our Rating: 4.5

★★★★★☆

Southwest® Rapid Rewards® Performance Business Credit Card

Welcome Offer

Earn 80,000 points

Est. Value

Up to $1,240

Annual Fee

$199

APR

20.49% – 27.49% Variable

Credit Req’d

Excellent, Good

Rewards: Earn 4x points on Southwest® purchases. Earn 3x points on Rapid Rewards hotel and car rental partners. Earn 2x points on internet, cable, and phone services, and select streaming, on social media and search engine advertising, and on local transit and commuting purchases, including rideshare, passenger trains, buses, taxis, tolls, and parking lots and garages. Earn 1x points on other purchases.

The Southwest® Rapid Rewards® Performance Business Credit Card offers excellent rewards and travel perks for business owners who fly frequently with Southwest. You’ll also earn elevated rewards on many business purchases, plus you’ll earn 9,000 anniversary points every year. There’s also up to a $120 Global Entry or TSA PreCheck® or NEXUS Application Fee Statement Credit. There are no foreign transation fees, and of course, bags still fly free on Southwest.

1x points

On all other eligible purchases

Earn 1 point per $1 spent on all other purchases made with your card.

2x points

Select Categories

Earn 2 points per $1 spent on social media and search engine advertising.

2x points

Streaming services

Earn 2 points per $1 spent on internet, cable, and phone services, and select streaming.

2x points

Transit

Earn 2 points per $1 spent on local transit and commuting purchases, including rideshare, passenger trains, buses, taxis, tolls, and parking lots and garages.

3x points

Hotels

Earn 3 points per $1 spent on Rapid Rewards hotel partners.

3x points

Rental Cars

Earn 3 points per $1 spent on Rapid Rewards car rental partners.

4x points

Southwest Purchases

Earn 4X pts on Southwest® purchases.

Pros

Welcome offer
No foreign transaction fee
Up to 4X Points

Cons

Annual fee
Requires good credit

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	01/02/2024	779	Experian	$24,000
Approved	01/02/2024	850	Equifax	$24,000
Approved	01/02/2024	850	TransUnion	$24,000

Southwest® Rapid Rewards® Premier Business Credit Card

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Our Rating: 4.4

★★★★★☆

Southwest® Rapid Rewards® Premier Business Credit Card

Welcome Offer

Earn 60,000 points

Est. Value

Up to $930

Annual Fee

$99

APR

20.49% – 27.49% Variable

Credit Req’d

Excellent, Good

Rewards: Earn 3x points on Southwest Airlines® purchases. Earn 2x points on Rapid Rewards® hotel and car rental partners, and on local transit and commuting, including rideshare services. Earn 1x points on other purchases.

The Southwest® Rapid Rewards® Premier Business Credit Card offers excellent value for a reasonable annual fee. You’ll earn a great welcome offer and elevated rewards on some travel and transit categories, plus 6,000 bonus points on your cardmember anniversary.

Southwest doesn’t have airport lounges or first-class seating–at least, not now. Depending on how often you fly, this card could be a better deal than the more expensive Southwest® Rapid Rewards® Performance Business Credit Card.

1x points

On all other eligible purchases

Earn 1 point per $1 spent on everyday purchases.

2x points

Hotels

Earn 2x points on Rapid Rewards® hotel partners.

2x points

Rental Cars

Earn 2x points on Rapid Rewards® car rental partners.

2x points

Transit

Earn 2x points on local transit and commuting, including rideshare services.

3x points

Southwest Purchases

Earn 3x points on Southwest Airlines® purchases.

Pros

Welcome offer
No foreign transaction fee

Cons

Annual fee
Requires good credit

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	11/12/2022	794	Experian	$17,000
Approved	11/12/2022	798	TransUnion	$17,000

JetBlue Business Card

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Our Rating: 4.0

★★★★☆

JetBlue Business Card

Welcome Offer

Earn up to 60,000 bonus points

Est. Value

Up to $900

Annual Fee

$99

APR

20.24% to 29.24% variable Variable

Credit Req’d

Good to Excellent 670 – 850

Rewards: Earn 6x points on eligible JetBlue purchases. Earn 2x points at restaurants and office supply stores. Earn 1x points on other purchases.

The JetBlue Business Card is a good choice for business owners who prefer to fly JetBlue. There’s a great upfront welcome offer, plus you’ll earn 6x on eligible JetBlue purchases. Cardholders will enjoy 5,000 bonus points each year on their cardmember anniversary and 50% off in-flight JetBlue purchases. Cardholders also get 10% of their points back after redeeming them for a JetBlue Award flight.

JetBlue flies throughout the U.S. (mostly on the East Coast), northern and central Latin America, the Caribbean, and Europe.

1x points

On all other eligible purchases

Earn 1x on all other purchases

2x points

Office Supplies

Earn 2x points at office supply stores

2x points

Dining

Earn 2x points at restaurants

6x points

Jetblue Purchases

Earn 6x points on eligible JetBlue purchases

Pros

Welcome offer
No foreign transaction fee
Up to 6x points

Cons

Annual fee
High APR
Requires good credit
JetBlue has a smaller footprint than some other airlines

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	09/06/2022	750	Not Provided	$2,000
Approved	10/26/2021	744	Equifax	$1,000
Approved	01/05/2022	777	TransUnion	$1,000
Approved	11/15/2023	755	Not Provided	$1,500

Summary

Harried business owners need something to look forward to. Why not put all of your business expenses on a credit card that racks up airline miles every time you fly for a business trip? It could make all that business travel worthwhile.

If you also want a personal credit card for airline miles, here’s our list of the Best Airline Miles Credit Cards.