What are the advantages of a business airline credit card over a personal one?

Business airline credit cards are designed with the frequent business traveler in mind. They often include benefits tailored to business-related travel, such as higher rewards rates on business expenses and additional perks like priority boarding. These cards also allow you to separate business and personal expenses, making it easier for accounting and tax purposes.

How do I know if a business airline card is right for my business?

A business airline card could be a great asset if your business requires frequent travel. Consider the airlines you usually fly with, your typical business-related expenses and how you prefer to redeem your rewards. If earning miles and receiving travel perks align with your business needs, a business airline card is likely a good fit.

Do business airline credit cards offer sign-up bonuses?

Yes, many business airline cards offer attractive sign-up bonuses as an incentive. However, these usually require you to meet a minimum spending amount within a set period. Read the fine print and confirm that you can meet the spending requirement to take full advantage of the bonus.

What should I do if my business airline card is lost or stolen while traveling?

Immediately contact your credit card issuer to report the loss or theft. Many issuers offer 24/7 customer service and can freeze your account to prevent unauthorized charges. They may also provide emergency card replacement services, sometimes even if you're abroad, so you're not left stranded without a payment method.

Best Business Travel Credit Cards for Airline Miles in 2023

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

Business airline credit cards are a fantastic way to earn miles for every dollar you spend, making your business trips more rewarding. But with so many options out there, how do you pick the right one for you?

We'll explain what business airline credit cards are, how they work and how to choose the one that'll elevate your business travel experience. Whether you're leaning towards miles or considering cash back, we've got your needs covered.

Why You Can Trust Our List

American Express® Business Gold Card
A dynamic rewards card for high-spending business owners
- 1–4 Points per $1Rewards Rate
- 19.49% – 27.49% VariableAPR
- $295Annual Fee
- Good–ExcellentRecommended Credit
The American Express® Business Gold Card is a gem for any business-savvy individual. Its generous initial rewards can quickly set you up for success, and its tailored rewards structure means you're earning more on your top spending areas. Plus, you're in for extra perks like savings on popular services every month. While it does come with a few intricacies in its reward system and some caps, once you get a hang of it, you'll find it's a valuable ally in managing your business expenses. And, let's not forget, you even get to pick its stylish look.
Pros
Generous welcome points offer
Potentially high rewards
Dynamic bonus categories
Offers monthly credits on select services

Cons
Comes with an annual fee
Complex reward system
High rewards has spending limit
Earn 70,000 Membership Rewards® points after spending $10,000 with the Business Gold Card in the first 3 months. Terms apply.
Earn 4X Membership Rewards® points in the two main categories your business frequents from a list of six eligible ones each billing cycle. Though these top categories might vary, the 4X points apply to the initial $150,000 spent yearly across them, and then it drops to 1X. Only expenses in these top two categories count towards the yearly $150,000 limit.
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
Receive up to $20 in credits monthly on eligible U.S. purchases like FedEx, Grubhub and Office Supplies; potentially saving $240 annually. Enrollment necessary.
Enjoy $12.95 in monthly credits when you auto-renew a Walmart+ membership using the Business Gold Card. Taxes may apply.
Choose between Gold or Rose Gold for your card design.
With $295 annual fee ($375 if application is received on or after 2/1/24)
Terms, rates and fees apply
Capital One Spark Miles for Business
Best flat-rate rewards card for frequent travelers
- 2 Miles per $1Rewards Rate
- 26.24% VariableAPR
- $95 ($0 first year)Annual Fee
- Good–ExcellentRecommended Credit
The Capital One Spark Miles for Business is a highly rewarding card ideal for businesses with a diverse range of expenses, particularly those with frequent travel needs. It offers a substantial welcome bonus and a generous rate of return on spending, transforming business expenses into valuable travel rewards. The card shines with its unparalleled flexibility in redeeming rewards, accommodating multiple travel loyalty programs and providing unrestricted freedom in redemption. Useful business tools, like free employee cards and comprehensive financial summaries, make this card a strategic business asset, although it’s important to mind the above-average APR.
Pros
Earn miles on every purchase
Flexible redemption options
Application credit for Global Entry/TSA PreCheck
Useful business tools and free employee cards
No foreign transaction fees

Cons
Annual fee after first year
High regular APR
No intro APR offers
Earn 5X miles on hotels and rental cars booked through Capital One Travel
Earn 2X miles on all other spending
Earn 50,000 bonus miles after spending $4,500 in the first three months
Flexible redemption options: transfer to 15+ travel loyalty programs, no blackout date or expiration dates, no limit on earning miles, no minimums for redemption, redeem any airline or hotel purchase for a statement credit
Annual fee of $95 ($0 in first year)
Up to $100 credit for Global Entry/TSA PreCheck
No foreign transaction fees
Business tools: free employee cards, quarterly and year-end summaries and downloadable purchase records
Terms, rates and fees apply
Delta SkyMiles® Gold Business American Express Card
Great rewards for Delta loyalists
- 1–2 Miles per $1Rewards Rate
- 20.99% – 29.99% VariableAPR
- $99Annual Fee
- Good–ExcellentRecommended Credit
The Delta SkyMiles® Gold Business American Express Card offers significant value for frequent travelers, particularly those loyal to Delta. Right off the bat, there's an enticing welcome bonus, ensuring you start on a high note. You'll also benefit from notable discounts and unique perks on Delta flights. If international travel is on the cards, rest easy knowing you won't be hit with foreign transaction fees. Plus, the waived annual fee for the inaugural year is a pleasant touch. While rewards can be intricate and come with caps, the card's overall benefits and potential savings are hard to overlook.
Pros
With welcome bonus offer
Get discounts and perks from Delta
No foreign transaction fees
No annual fee for first year

Cons
Rewards have caps and categories
With annual fee after first year
Rewards can be complicated
Earn 50,000 Bonus Miles after spending $2,000 in the first 3 months
Save 15% on Award Travel with Delta when using delta.com or the Fly Delta app (excludes partner flights, taxes and fees)
First Checked Bag Free on Delta Flights with Main Cabin 1 Priority Boarding
Earn 2 Miles per dollar on U.S. shipping and select U.S. advertising (capped at $50,000 in purchases per category starting 1/1/2024)
Earn 2 Miles per dollar with Delta and at restaurants
Earn 1 Mile per dollar on other eligible purchases
Receive a $100 Delta Flight Credit after spending $10,000 in a year
No foreign transaction fees when traveling overseas
$0 annual fee for the first year, then $99
Terms, rates and fees apply
Delta SkyMiles® Platinum Business American Express Card
A great card for frequent business travelers who want to enjoy Delta travel perks and pursue elite traveler status
- 1–3 Miles per $1Rewards Rate
- 20.99%–29.99% VariableAPR
- $250Annual Fee
- Good–ExcellentRecommended Credit
If you're a frequent Delta flyer or business owner looking for premium travel perks, the Delta SkyMiles® Platinum Business American Express Card could be a game-changer for you. The card's welcome offer alone is a head-turner and can easily cover a round-trip flight. The annual fee is offset by value-added features like annual companion tickets and discounted lounge access. Plus, it's versatile in earning miles on both everyday and large business expenses.
Pros
High rewards potential
Generous welcome offer
Offers savings on Delta flights
With annual companion benefit

Cons
Includes an annual fee
Requires good to excellent credit
High rewards are limited to Delta and hotels
Earn 60,000 Bonus Miles after spending $3,000 in the first 3 months
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.
Requires $250 annual fee.
Regular APR 20.99%–29.99% variable.
Get three miles for every dollar you spend directly with Delta and hotels.
Earn 1.5 miles for each dollar on individual purchases over $5,000, capping at 50,000 miles annually.
Earn one mile for each dollar spent on all other qualifying purchases.
Enjoy a 15% discount on Delta flights through the TakeOff 15 program. Note that this offer doesn't apply to flights operated by Delta's partners or to any additional taxes and fees.
Each year, when you renew your card, you'll receive a round-trip companion certificate for domestic Main Cabin flights. You can bring along a friend or family member when you fly with Delta, but you'll need to cover government-imposed taxes and fees up to $80. Additional baggage charges and other restrictions may apply. Check the terms and conditions for more information.
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, rates and fees apply
Delta SkyMiles® Reserve Business American Express Card
A card that offers generous rewards for business travelers who fly Delta frequently.
- 1.5–3 Miles per $1Rewards Rate
- 20.99% – 29.99% VariableAPR
- $550Annual Fee
- Good–ExcellentRecommended Credit
If you're a frequent Delta flyer looking to amplify your travel experience, the Delta SkyMiles® Reserve Business American Express Card could be a game-changer. This card goes beyond just earning you miles; it elevates your entire journey. With accelerated rewards for high spenders and elite status within reach, your loyalty pays off in big ways. You'll also enjoy exclusive lounge access and discounts on award travel, bringing a touch of luxury to your trips. While the annual fee and APR are on the higher side, the lavish benefits can make it well worth the investment for the right traveler.
Pros
High earnings on Delta purchases
Generous welcome bonus
Free Delta Sky Club access
Bonus miles after meeting the spending threshold

Cons
Comes with a hefty annual fee
Potentially high APR
Good to excellent credit needed
Benefits are limited to Delta
Earn 70,000 Bonus Miles after spending $5,000 in the first 3 months
Earn 3 miles for every dollar you spend directly with Delta
After hitting $150,000 in annual spending on your card, get 1.5 miles per dollar for the rest of the year
With $550 annual fee
Regular APR 20.99%–29.99% (variable)
Enjoy a 15% discount on award travel with TakeOff 15, applicable only to Delta flights. Not applicable to partner-operated flights or to taxes and fees.
Enjoy Delta Sky Club® access for relaxation before Delta flights or during connections. Receive two Delta Sky Club One-Time Guest Passes annually to share the experience. Starting February 1, 2025, Reserve Card Members get 15 annual Delta Sky Club visits. Earn unlimited yearly visits from February 1, 2025, with $75,000 in eligible card purchases between January 1, 2024, and December 31, 2024, and each subsequent year. After using 15 visits, eligible members can buy additional visits at $50 each 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).
Book a Delta flight with your card and gain complimentary access to The Centurion® Lounge or Escape Lounge
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, rates and fees apply
Ink Business Preferred® Credit Card
Great for big welcome offer and ongoing rewards
- 1–3 Points per $1Rewards Rate
- 21.24% – 26.24% VariableAPR
- $95Annual Fee
- Good–ExcellentRecommended Credit
The Ink Business Preferred® Credit Card is a robust ally for businesses, offering an impressive welcome offer that sets the tone for its value-driven features. With a rewards structure that generously caters to travel and specific business expenses, the card helps turn everyday spending into tangible benefits. Its suite of travel protections brings confidence to frequent travelers, and the modest annual fee is easily justified by the multitude of perks, including free employee cards. In short, it’s an astutely designed card that recognizes and rewards modern business dynamics.
Pros
Impressive welcome offer
High rewards cap
Boosted rewards redemption through Chase
Travel protections
Free employee cards

Cons
With annual fee
No introductory APR offer
Earn 3X points on travel and select business categories, including shipping, internet, cable and phone services and advertising (up to $150,000 in combined spending each year, then 1X points)
Earn 1X points on all other spending
Earn 100,000 bonus points after spending $8,000 in the first three months
Annual fee: $95
Free employee cards
Travel protections: trip cancellation insurance, trip interruption insurance, and primary rental car insurance
Consumer protections: extended warranty protection, purchase protection, cell phone protection
No foreign transaction fees
Flexible rewards: points don’t expire, no blackout dates, 25% points bonus when booking travel through Chase Ultimate Rewards, various transfer options.
Terms, rates and fees apply
Compare this credit card with other top-rated travel rewards cards.
Southwest® Rapid Rewards® Performance Business Credit Card
An excellent business card with Southwest and other travel benefits
- 1–3 Points per $1*Rewards Rate
- 21.49% – 28.49% VariableAPR
- $199Annual Fee
- Good–ExcellentRecommended Credit
The Southwest® Rapid Rewards® Performance Business Credit Card is a gem for frequent Southwest travelers and business professionals. Its strength lies in the generous rewards on Southwest purchases and specific business-related expenses, bolstered by a tempting sign-up bonus and annual anniversary points. While it does come with an annual fee, the myriad of perks, including upgraded boardings and diverse point-earning categories, makes this card an indispensable tool for those aiming to maximize benefits from their spending.
Pros
Bonus points on Southwest purchases and specific business expenses
Rapid Rewards points are valuable and flexible.
With generous sign-up bonus
Get anniversary bonus points yearly

Cons
With annual fee
Low rewards for non-bonus categories
Earn 4 points for every dollar spent on Southwest purchases.
Earn 3 points per dollar when you book with Rapid Rewards hotel and car partners.
Earn 2 points per dollar on expenses like rideshare, social media, search engine advertising and your internet and phone bills. For all other purchases, you'll get 1 point per dollar.
Unlock 80,000 bonus points when you spend $5,000 in the first three months.
Comes with a $199 annual fee.
No foreign transaction fees.
APR ranges from 21.49% to 28.49% variable.
Get four upgraded boardings a year, based on availability.
Every four years, get up to a $100 credit for your Global Entry or TSA Precheck application fees.
Additional employee cards won't cost you. Extra will
If you rent a vehicle with your Southwest Performance card, you get secondary insurance coverage for damage or theft.
Should your luggage go missing, you can get reimbursed up to $3,000 per passenger for both checked and carry-on bags.
With annual fee
Low rewards for non-bonus categories
Terms, rates and fees apply
The Blue Business® Plus Credit Card from American Express
Great no-annual-fee card for earning rewards on business spending
- up to 2X Membership Rewards® pointsRewards Rate
- 18.49% – 26.49% VariableAPR
- $0Annual Fee
- Good–ExcellentRecommended Credit
The Blue Business® Plus Credit Card from American Express is a compelling option for small business owners in search of a simple yet rewarding credit solution. With no annual fee, the card is budget-friendly and designed to cater to the needs of businesses, particularly those with significant everyday expenses. The rewards structure is straightforward: cardholders earn a solid rate of Membership Rewards® points on their business purchases up to a generous cap each calendar year, before the rate drops to a lower tier.
Pros
No annual fee
Intro APR on purchases
Simple flat-rate rewards on all purchases
Flexible redemption options
Good for small businesses

Cons
No intro APR on balance transfers
Foreign transaction fees
Fees for transferring points and booking flights through American Express Travel
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
Earn 2 Membership Rewards® points per dollar on purchases (up to $50,000 in purchases each calendar year, then 1 point per dollar) and 2 points per dollar with no limit on car rentals booked through American Express Travel
0% intro APR offer on purchases for 12 months, then a variable rate of 18.49% – 26.49% (see rates and fees)
Redeem points for travel booked through American Express Travel, purchases via select online merchants, gift cards and more.
Transfer points to different frequent flyer programs.
No annual fee (see rates and fees)
Foreign transaction fee of 2.7% (see rates and fees)
Flexible credit limit
Get free employee cards
Account management tools like designating an account manager, setting individual card limits, and manage your receipts
Travel benefits like travel accident insurance, baggage insurance, purchase protection, car rental insurance, roadside assistance and more. (Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit the benefits guide for more details. Underwritten by Amex Assurance Company.)
Terms Apply
Terms, rates and fees apply
The Business Platinum Card® from American Express
Top-tier business card with premium travel benefits
- 1–5 Points per $1*Rewards Rate
- 19.49% – 27.49% VariableAPR
- $695Annual Fee
- Good–ExcellentRecommended Credit
The Business Platinum Card® from American Express is an excellent option for business owners seeking robust rewards and benefits. Its generous welcome offer makes for a powerful start, particularly for those with large initial expenditures, while tiered rewards on high-volume spending categories make each dollar spent a valuable investment. Beyond that, this card's statement credits are a cashback boon across diverse business essentials, enhancing operational efficiency and the card's overall worth. Plus, the travel perks are fantastic for frequent flyers, offering both luxury and peace of mind. While the Amex Platinum does come with a famously high annual fee, the rewards and benefits can easily justify the cost for high-spending businesses.
Pros
Impressive welcome offer
Great rewards on business spending
Significant statement credits
Airport lounge access
Extensive travel protections and perks

Cons
High annual fee
No intro APR offers
Earn 5X points on prepaid hotels and flights booked on AmexTravel.com
Earn 2X points on prepaid rental cars booked on AmexTravel.com
Earn 1.5X points on qualifying purchases of $5,000 or more on electronic goods, retailers, software, cloud service providers, construction materials, hardware supplies and shipping providers (on up to $2 million in combined spending each year)
Earn 1X points on all other spending
Earn 120,000 points after spending $15,000 on eligible purchases in the first three months
Annual fee of $695 (See rates and fees)
Flexible points redemption: no blackout dates, no earning caps and points don’t expire
No foreign transaction fees (See rates and fees)
Free access for you and two guests to over 1,400 airport lounges through the American Express Global Lounge Collection
Complimentary night or property credit up to $250 for eligible stays at participating Fine Hotels + Resorts properties
Complimentary night or property credit up to $100 for eligible stays at participation Hotel Collection properties
Up to $400 statement credit on Dell purchases each year
Up to $360 statement credit on Indeed products and services (up to $90 per quarter)
Up to $300 onboard credit on eligible cruise bookings through the Cruise Privileges Program
Up to $200 statement credit for airline fees with a selected airline each year
Up to $189 statement credit for CLEAR® membership application each year
Up to $150 statement credit on select Adobe purchases each year
Up to $120 statement credit on wireless telephone purchases (up to $10 per month)
Up to $100 application credit for Global Entry or TSA PreCheck every 5 years
Free employee cards with individual limits
Travel insurance and purchase protections: trip delay insurance, trip cancellation and interruption insurance, return protection and baggage insurance, secondary car rental insurance, purchase protection and extended warranty coverage (Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company)
Terms apply
Terms, rates and fees apply
United℠ Business Card
Solid travel card for United fans
- 1–2 Miles per $1*Rewards Rate
- 21.74%–28.74% VariableAPR
- $99 ($0 intro annual fee for the first year)Annual Fee
- Good–ExcellentRecommended Credit
The United℠ Business Card is tailored to the needs of frequent travelers and business professionals, offering a substantial welcome bonus, reward miles on United Airlines purchases and rich travel perks and protections. While it comes with comprehensive travel conveniences, potential cardholders must weigh these with the card's annual fee and lack of introductory APR offers. Ideal for those aiming to maximize travel benefits, this card can be a strategic choice for enhancing comfort and affordability while traveling.
Pros
Generous bonus miles offer
No annual fee during the first year
Bonus miles during card anniversary
2x miles on diverse categories
With travel perks

Cons
Annual fee after first year
High variable APR
Travel-focused benefits only
Earn 50,000 bonus miles with $5,000 spent in first 3 months of account opening
No annual fee first year, then it’s $99 annually
Get 5,000-mile bonus each anniversary with United℠ Business Card and personal Chase United® credit card
Earn 2 miles for every $1 on United® purchases, dining, gas stations, office supplies and local transit
Earn 1 mile for every $1 on all other purchases; employee cards add miles to your account
Free first checked bag, 2 United Club(SM) passes yearly and priority boarding
$100 United® travel credit after 7 flights of $100+ each anniversary year
Regular APR between 21.99% and 28.99% (variable)
Terms, rates and fees apply
Compare this credit card with other top-rated cards from our partners.

MONEYGEEK PRO TIP

Business travel credit cards typically extend the benefits of the primary card to authorized users. Your business can save money and improve the travel experience of your employees by providing them with an employee card, while also making expense tracking easier with a unique card number for each employee. — Lee Huffman, credit card expert at BaldThoughts.com.

What Is a Business Airline Credit Card?

Business airline credit cards are designed specifically for business owners and entrepreneurs who travel frequently for work. When you make purchases with this type of card, you earn airline miles that can be redeemed for future flights, upgrades or even other travel-related expenses.

Many of these cards come with additional perks like priority boarding, access to airport lounges and free checked bags. These benefits can make your travel experience smoother, allowing you to focus on what really matters — running your business successfully. With the right card, you can transform every business trip into an opportunity for savings and added value.

How Do Business Airline Cards Work?

Understanding how business airline credit cards work can help you make an informed decision and maximize your rewards.

Earning Miles

You accumulate airline miles when you use a business airline credit card for purchases. You usually earn a specific number of miles, points or even percentages for every dollar spent on the card. These rewards can be saved up and redeemed for future airline tickets, making each business expense a potential contribution to your next trip.

Redeeming Miles

When you've collected enough miles, you can redeem them for airline tickets or other travel-related benefits. Some cards offer flexible redemption options, letting you use miles for hotel stays, rental cars or even gift cards. It's essential to be mindful of expiration dates and blackout dates when planning to use your miles.

Additional Perks

Business airline cards often come with extra perks that make your travel more comfortable and efficient. These can range from priority boarding to free checked bags and access to airport lounges. By taking advantage of these benefits, you can save money and elevate your travel experience.

How To Choose a Business Airline Credit Card

Making the right choice when it comes to a business airline credit card can set you on a path to significant savings and travel perks. Let's review the key factors to consider so you can select the card that best suits your business and travel needs.

Evaluate Your Travel Frequency

How often do you or your employees travel for business? If you're constantly jet-setting, a card with robust travel benefits may offer the best value. Cards that offer more miles per dollar spent can really pay off for frequent travelers.

Review Airline Partners and Routes

Some business airline credit cards are co-branded, meaning they're affiliated with specific airlines. A co-branded card could maximize your rewards if you usually fly with a particular carrier or your business operates primarily in areas serviced by one airline.

Consider International Benefits

If your business takes you overseas, look for a card without foreign transaction fees that offers international lounge access. Some cards also have partnerships with foreign carriers, allowing you to earn and redeem miles on a wider range of flights.

Examine Reward Expiry and Limitations

Miles are great, but they're not so useful if they expire before you can use them. Check the expiry policies and find out if there are any limitations, such as blackout dates or seat restrictions, that could make it challenging to redeem your rewards.

Analyze Fee Structure

While the lure of miles and perks is strong, don't forget to consider the fee structure. Consider the annual fee, late payment penalties and interest rates. Make sure that the benefits you anticipate receiving will outweigh these costs.

Credit Requirements

Most business airline credit cards require a good to excellent credit score. If you're just starting your business or have a low credit score, you may find it challenging to get approved for some of the best business airline credit cards. So, it's crucial to know where you stand credit-wise before you apply.

Business Credit Cards: Airline Miles or Cash Back?

Should you opt for a business credit card that offers airline miles or one that provides cash back? The answer isn't one-size-fits-all and largely depends on your business's needs.

If you find yourself frequently up in the air for work, a business airline credit card could offer you exceptional value. The miles you earn and additional travel perks like priority boarding and airport lounge access can make your trips more cost-effective and comfortable. Over time, the miles can add up to significant savings on flights and other travel-related expenses.

On the other hand, cash back cards offer a more straightforward reward system. You get a percentage of your spending back as cash, which you can use for any business expense — or anything else, for that matter. It's a flexible option that doesn't tie your rewards to travel, making it a solid choice if your business expenses are varied and not specifically travel-focused.

In the end, the best card for your business is the one that aligns most closely with your spending habits and financial goals. Take some time to assess what you value more: the freedom of cash back or the targeted benefits of airline miles.

More: Best Business Credit Cards for Cash Back in 2023

How To Get the Most Out of Your Business Credit Card

Maximizing the benefits of your business credit card can give your company a financial edge. Here are some top tips to ensure you're making the most of your card's features and rewards:

Pay attention to bonus categories
Some cards offer extra miles or points for specific types of spending, like dining or advertising. Use your card for these categories whenever possible to ramp up your rewards.
Meet the sign-up bonus requirements
Sign-up bonuses can provide a hefty bump in points or miles. Ensure you can comfortably meet the spending requirement within the time limit to unlock this initial windfall.
Utilize the additional perks
Don't overlook the non-mileage benefits of your card, like free checked bags or airport lounge access. These perks can add value to your travel experience and save you money in the long run.
Pay off your balance monthly
Carrying a balance can result in interest charges that negate the value of any rewards you've earned. Make it a habit to pay off your card every month to avoid these unnecessary costs.
Regularly check for promotions or special deals
Card issuers often run promotions that can earn you extra points or miles for limited periods. Keep an eye on these offers and take advantage of them to boost your rewards.

Next Steps

Choosing the best business airline credit card can make a significant difference in how rewarding your work travel becomes. By understanding how these cards work and what to look for, you're better positioned to select a card that fits your specific needs. Whether you prioritize miles, extra perks or a mix of both, there's likely a card out there for you.

Now that you're equipped with this knowledge, your next step is to compare the options and apply for the card that aligns with your business goals.

FAQs About Best Business Airline Cards

Do you have more questions about finding the best business airline credit card? You're not alone! Here are some commonly asked questions to help you navigate your options more effectively.

Experts' Advice on Finding the Best Business Airline Cards

Given that most such cards offer low reward rates for spending outside of bonus categories, might it make sense to use a different card to capitalize on everyday spending?
How does the transfer of miles/reward points work with cards from this category?
How can a cardholder make the most of an airline miles business travel credit card?

Julia Menez

Travel Hacking Coach and Founder of Geobreeze

About Grace Pilling

Grace Pilling is passionate about empowering readers to make informed financial choices to support their best lives, not a company’s bottom line. Prior to joining MoneyGeek as a senior content manager, Grace was a senior editor at CreditCards.com and Bankrate, where she focused on teaching people how to use credit cards wisely.

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.

Best Business Travel Credit Cards for Airline Miles in 2023

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What Is a Business Airline Credit Card?