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

    American Express® Business Gold Card

    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

  • 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

  • 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

  • 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

  • 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

  • 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 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 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

  • 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


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

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.

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:

  • giftCard icon

    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.

  • rewards icon

    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.

  • points icon

    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.

  • annualFee icon

    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.

  • airportLoungeAccess icon

    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

  1. 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?
  2. How does the transfer of miles/reward points work with cards from this category?
  3. How can a cardholder make the most of an airline miles business travel credit card?
Julia Menez
Julia Menez

Travel Hacking Coach and Founder of Geobreeze

About Grace Pilling

Grace Pilling headshot

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 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.
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