Calculator: 6 Best Business Cards For Airline Miles [2021]

If your business is big on flying, you'll want a credit card that gives the best return on your spend that can maximize your savings in the air.

The Point Calculator's top picks for the best business credit cards for earning airline miles are:

  • American Express® Business Gold Card
  • The Blue Business® Plus Credit Card from American Express
  • Ink Business Preferred® Credit Card
  • Capital One Spark Miles for Business
  • Delta SkyMiles® Gold Business American Express Card
  • CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

American Express® Business Gold Card

The American Express® Business Gold Card is one of the best business credit cards for earning airline miles. It earns 4 Membership Rewards Points on the two categories you spend the most in per month, on the first $150,000 in purchases. Points earned can be converted to miles or hotel rewards points with AMEX's transfer partners which includes Delta Airlines and JetBlue Airways.

American Express® Business Gold Card
Rewards Rate
  • Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month; Applies to the first $150,000 in combined purchases from these 2 categories each calendar year
  • Get 1X on all other purchases.
Intro Bonus
Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.
Annual Fee
$295
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.
  • Earn up to $300 in statement credits on eligible U.S. advertising and U.S. shipping purchases.
  • Pay Over Time Option: A flexible payment option with interest to help manage cash flow on purchases of $100 or more.

The Blue Business® Plus Credit Card from American Express

If you don't want to focus on specific categories, you can earn rewards at a flat rate with The Blue Business® Plus Credit Card from American Express. It earns 2 Membership Rewards Points per $1 spent on the first $50,000 in purchases made per calendar year. These points can be transferred to AMEX's airline and hotel partners. (Hint: It pairs well with the AMEX Business Gold Card).

The Blue Business® Plus Credit Card from American Express
Rewards Rate
  • Earn 2X Membership Rewards® points on all eligible purchases on up to $50,000 per calendar year, then 1X for the remainder of the calendar year.
Intro Bonus
No current intro bonus
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
2.7%
Main Card Highlights
  • The power to spend beyond your credit limit with Expanded Buying Power which adjusts with your use of the Card, your payment history, credit record, financial resources known to AMEX and other factors.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors at account opening.

Ink Business Preferred® Credit Card

The Chase Ink Business Preferred® Credit Card is a great option for earning points transferable to airlines on general business purchases. It earns 3 Ultimate Rewards Points per $1 spent on travel, shipping, internet, cable services, phone services, and advertising. Points earned with the card can be transferred to Chase's airline and hotel partners which includes JetBlue Airways, Southwest Airlines, and United Airlines. You'll also have the option to redeem rewards for 1.25 cents each through the Chase Ultimate Rewards Portal.

Ink Business Preferred® Credit Card
Rewards Rate
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn
Intro Bonus
Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account

Capital One Spark Miles for Business

The Capital One Spark Miles for Business is flat rate earning card and is great if you're looking for a simple and easy rewards program for earning miles. It earns an unlimited 2 Spark Miles per $1 spent on all purchases. Earned miles can be transferred to Capital One's airline and hotel partners or you can redeem them for travel at a value of 1 cent per point.

Capital One Spark Miles for Business
Rewards Rates
  • Earn unlimited 2X miles per $1 spent for your business on every purchase, everywhere, no limits or category restrictions
Intro Bonus
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
Annual Fee
$0 the first year, then $95
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Redeem miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • Fly through security with one statement credit for either the $85 TSA Pre✓® application fee or the $100 Global Entry application fee
  • Transfer your miles to 10+ leading travel loyalty programs
  • Free employee cards, which also earn unlimited 2X miles on all purchases

Delta SkyMiles® Gold Business American Express Card

If you enjoy flying Delta and you're looking to save money, you might want to consider the Delta SkyMiles® Gold Business American Express Card. The card offers double SkyMiles across top business categories along with priority boarding and a free checked bag which can save lots of money depending on how often you fly the airline.

Delta SkyMiles® Gold Business American Express Card
Rewards Rate
  • Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta, on every dollar spent on eligible U.S. purchases for advertising in select media, on every dollar spent on eligible U.S. shipping purchases, on every eligible dollar spent on dining at restaurants.
  • Earn 1 Mile on every eligible dollar spent on purchases.
Intro Bonus
Limited Time Offer: Earn 70,000 bonus miles and a $50 statement credit after spending $2,000 in purchases on your new Card in your first 3 months. Offer Ends 4/28/21.
Annual Fee
$0 introductory annual fee for the first year, then $99
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Enjoy your first checked bag free on Delta flights.
  • Main Cabin 1 Priority Boarding
  • After you spend $10,000 in purchases in a calendar year, you will earn a $100 Delta Flight Credit to use toward future travel.

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

The CitiBusiness® / AAdvantage® Platinum Select® Mastercard® is great option if you typically fly American Airlines and want to earn miles directly with the airline without worrying about transferring rewards. It offers double AAdvantage Miles on purchases made across several popular business categories as well as grants benefits such as a free checked bag, in-flight savings, and preferred boarding.

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
Rewards Rate
  • Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases
  • Earn 2 AAdvantage® miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations
  • Earn 1 AAdvantage® mile per $1 spent on other purchases
Intro Bonus
Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
Annual Fee
$0 the first year, then $99
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line.
  • 25% savings on American Airlines inflight Wi-Fi when you use your card
  • Enjoy preferred boarding on American Airlines flights

Best Cards By Spend Calculator

The Best Cards By Spend Calculator will give you an idea of which credit cards will offer you the most rewards based on your business spend. Results will be sorted by net return which is the average value of the rewards earned, plus annual credits, and minus annual fees.

Results will consist of top rated business credit cards that earn rewards directly with an airline, earn rewards that are transferable to an airline program, or earn rewards that are easily redeemable towards airline purchases.

If you're looking for more options, looking to apply, or want details on all available offers including current sign up bonuses, rates, and fees, you can check out the list of best business credit cards. Do note that offers are not available for every credit card featured on this site.

Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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Currently Selected:

Category Spend

Enter your spend per month, year, or quarter for the listed categories. You can then click Get The Best Cards to get the list of results.
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Spend Duration

You can set the duration of the spend for the categories listed above. If you're looking for the best card for only n-months worth of spend, this is where you change the option. If you want to calculate based on a full year of spending, you can leave it set to a duration of '1 Year'.

Adjust Transferable Points

Some rewards programs allow you to transfer your earned points to airline, hotel, and other loyalty programs. These programs will generally have higher point values when doing such. Since these matter so much when choosing a credit card, you can enter your own point value for these programs to include in the calculations. You can set any of the currencies listed below to 0 to calculate based on the non-transfer value (in which most are 1 cent per point with the exception of Chase's 1.25/1.5 cent redemptions). The values I have listed are what I think is the easiest value to get out of your points when transferring to partners. You can click on the to learn more about the value of the currency (opens in a new tab/window).
Depending on what you're calculating, all programs listed below may not be featured in the results.

Results

Note: Results may take a few seconds to generate after doing a search. The results and values listed are estimates to help guide you towards making the best decision. They are for illustrative purposes only.
Results Will Appear Here
Updated 2021-03-24 By Robert Flowers III

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