8 Best Business Credit Cards for Miles in 2022

In 2022, companies like American Express and Chase will be in a fight to the bottom with new cards offering more generous rewards based on spending. Here’s what you need to know about investing in these deals now.

The “best business credit cards 2022” is a list of 8 best business credit cards for miles that are expected to be available in 2022. The list includes American Express, Chase Sapphire Preferred, and more.

Editor’s note: This is a periodic piece containing card information that is updated on a regular basis.

If you travel for work often, you should consider using a card that rewards you for all of your travel and provides you with perks and incentives. With certain airlines, the more you use your card, the quicker you may achieve elite status, which comes with perks like priority boarding and other perks. Miles may also be redeemed for flights, hotels, and rental vehicles, as well as goods, gift cards, and cash back.

The following are the top eight business credit cards for miles:

Some of these travel credit cards’ services and perks may be impacted by the COVID-19 epidemic. For the most up-to-date information on travel safety and regulations, consult the issuer’s website and the Centers for Disease Control and Prevention (CDC).

Do you wish to compare the characteristics of two cards? That’s something we’ve made simple for you. To add cards to your basket, check up to three boxes on this page. You’ll be able to compare the information in a side-by-side comparison this way.

Capital One® Spark® Business Miles: Best Overall Business Miles Credit Card

Capital One® Spark® Business Miles

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Every swipe earns you 2x miles.

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on Capital One® Spark® Business Miles’s secure website.

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APR on a regular basis

20% (20.99%) (Variable)

Annual Fee

For the first year, there is no charge; after that, it is $95 each year.

Credit is required.

Excellent, Good

• After spending $4,500 in the first three months, you’ll get a $500 trip incentive.
• 2 kilometers for every $1 invested
• Employee cards may be distributed for free.

Pros

• There are no costs for international transactions.
• Credit for TSA Pre® or Global Entry application fees

Cons

• After the first year, you’ll have to pay an annual charge.
• Doesn’t provide interest-free credit.

• Once every four years, you’ll get a $100 statement credit for Global Entry or a $85 statement credit for TSA Pre® airport security screening.
• Most purchases bought solely with your card are protected if they are destroyed or stolen within 90 days of the purchase date. The amount of coverage is capped at $10,000 per claim and $50,000 per cardholder account per year.
• On most things you buy, extended warranty coverage doubles the original guarantee duration and duplicates the coverage of the original manufacturer’s warranty for a maximum of 12 months. 
• Medical referrals if you have a medical emergency while traveling: If you suffer a medical emergency while traveling, provide recommendations to medical assistance. If you’re 100 miles or more from home, you’re protected from the time you depart until midnight on the 60th day of your vacation, or until you return to your home city, whichever comes first.

APR on a regular basis

20% (20.99%) (Variable)

Annual Fee

For the first year, there is no charge; after that, it is $95 each year.

Credit is required.

Excellent, Good

• After spending $4,500 in the first three months, you’ll get a $500 trip incentive.
• 2 kilometers for every $1 invested
• Employee cards may be distributed for free.

Pros

• There are no costs for international transactions.
• Credit for TSA Pre® or Global Entry application fees

Cons

• After the first year, you’ll have to pay an annual charge.
• Doesn’t provide interest-free credit.

• Once every four years, you’ll get a $100 statement credit for Global Entry or a $85 statement credit for TSA Pre® airport security screening.
• Most purchases bought solely with your card are protected if they are destroyed or stolen within 90 days of the purchase date. The amount of coverage is capped at $10,000 per claim and $50,000 per cardholder account per year.
• On most things you buy, extended warranty coverage doubles the original guarantee duration and duplicates the coverage of the original manufacturer’s warranty for a maximum of 12 months. 
• Medical referrals if you have a medical emergency while traveling: If you suffer a medical emergency while traveling, provide recommendations to medical assistance. If you’re 100 miles or more from home, you’re protected from the time you depart until midnight on the 60th day of your vacation, or until you return to your home city, whichever comes first.

Why we like it: When you’re busy scheduling and planning business trips, the Capital One® Spark® Business Miles card helps make everything easier. Earn 5x miles when you book with Capital One Travel for hotel and rental cars and earn 2x miles on all other business purchases anytime. When you’re ready to redeem your miles, transfer them to more than 15 travel loyalty programs on British Airways, Emirates Skywards, Qantas, and more. You can also redeem your miles through Capital One Travel, with your choice of 200 airlines and 2 million hotels around the world.

Spend $4,500 on purchases during the first three months of card possession to earn 50,000 miles (equivalent to $500 in travel). Pay no yearly charge for the first year, then $95 per year after that. It’s not just our top selection for the best business credit card for miles, but also for the best business credit card for travel.

The Best Business Card for International Travel is the UnitedSM Business Card.

Why we like it: Since UnitedSM is a member of the Star Alliance network, you can earn and redeem miles online with United Airlines or 25 other international air carriers to 1,300 airports around the world using your UnitedSM Business Card. Star Alliance airlines include Lufthansa, Thai Airways, Air Portugal, and Air New Zealand. You can earn 2 kilometers for every $1 invested on United purchases including flights, 2 kilometers for every $1 invested on dining, gas stations, office supplies, and commuting, and 1x mile for every $1 spent on all other purchases. You and one traveling companion each get a free checked bag and priority boarding—after MileagePlus Premier members but before general boarding. You also benefit from a 25% discount on in-flight purchases.

Earn 75,000 miles after you spend $5,000 on purchases in the first three months as a new cardholder. The annual fee is just $99. With There are no costs for international transactions. and a network of international air partners, this card is a good choice for frequent international travelers.

The American Express Delta SkyMiles® Platinum Business Card is the best card for frequent Delta passengers.

American Express Delta SkyMiles® Platinum Business Card

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Those who fly Delta often and wish to take advantage of the company’s premium business services.

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

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APR on a regular basis

Variable (15.99 percent – 24.99 percent)

Credit is required.

Good, Excellent

• Limited-time offer: Earn 100,000 extra miles after spending $4,000 on your new Card during the first three months of membership. Offer expires on April 13, 2022.
• Earn 3 miles for every dollar spent on qualifying purchases made directly with Delta and on qualified hotel purchases.
• Earn an extra half mile per dollar on single qualified purchases of $5,000 or more, up to 50,000 miles each year. For every qualified dollar spent on additional purchases, you’ll earn one mile.
• Earn 10,000 Medallion® Qualification Miles (MQMs) after spending $25,000 on your card in a calendar year with Status Boost®, up to 2 times each year, bringing you closer to Medallion Status.
• Benefits that resemble status: On Delta flights, the first checked bag is free, and the main cabin gets priority boarding.
• There are certain restrictions.

Pros

• There are no costs for international transactions.
• Savings on flights
• Tools for business management

Cons

• The yearly charge is $250.
• There is no interest-free term.
• Transfers of balances are not permitted.

• Benefits from Delta include a free first checked bag and priority boarding.
• Travel accident insurance: Provides cardholders with up to $100,000 in travel accident insurance.
• Purchase protection: Covers purchases that are damaged or stolen up to 120 days after they were purchased. For one year, coverage is restricted to $1,000 per item and $50,000 total for all claims.

APR on a regular basis

Variable (15.99 percent – 24.99 percent)

Credit is required.

Good, Excellent

• Limited-time offer: Earn 100,000 extra miles after spending $4,000 on your new Card during the first three months of membership. Offer expires on April 13, 2022.
• Earn 3 miles for every dollar spent on qualifying purchases made directly with Delta and on qualified hotel purchases.
• Earn an extra half mile per dollar on single qualified purchases of $5,000 or more, up to 50,000 miles each year. For every qualified dollar spent on additional purchases, you’ll earn one mile.
• Earn 10,000 Medallion® Qualification Miles (MQMs) after spending $25,000 on your card in a calendar year with Status Boost®, up to 2 times each year, bringing you closer to Medallion Status.
• Benefits that resemble status: On Delta flights, the first checked bag is free, and the main cabin gets priority boarding.
• There are certain restrictions.

Pros

• There are no costs for international transactions.
• Savings on flights
• Tools for business management

Cons

• The yearly charge is $250.
• There is no interest-free term.
• Transfers of balances are not permitted.

• Benefits from Delta include a free first checked bag and priority boarding.
• Travel accident insurance: Provides cardholders with up to $100,000 in travel accident insurance.
• Purchase protection: Covers purchases that are damaged or stolen up to 120 days after they were purchased. For one year, coverage is restricted to $1,000 per item and $50,000 total for all claims.

Why we like it: If you fly with Delta frequently, you can benefit from generous ongoing rewards with the American Express Delta SkyMiles® Platinum Business Card. Earn 1 mile per $1 on eligible purchases, 1.5 miles per $1 on each eligible purchase of $5,000 or more, and up to 50,000 miles per calendar year. You can also earn 3 miles per $1 on hotels and Delta purchases.

After spending $4,000 on your new Card in the first three months of membership, you’ll get 100,000 extra miles. Offer expires on April 13, 2022. MQMs are required in order to qualify for Delta Air Lines’ elite Medallion status. Each category (silver, gold, platinum, and diamond) provides special perks such as gratis flight upgrades, priority boarding, and charge waivers.

Best Card for Free Companion Flights: Southwest® Rapid Rewards® Premier Business Card

Credit Card for Southwest® Rapid Rewards® Premier Business

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Getting points for your Southwest purchases

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APR on a regular basis

Variable (15.99 percent – 22.99 percent)

• Spend $3,000 on purchases in the first three months of your account to get 60,000 points.
• After your Cardmember anniversary, you’ll get 6,000 extra points.
• Purchases made on Southwest Airlines® will earn you 3X points.
• Rapid Rewards® hotel and vehicle partners provide 2X points.
• Rideshare earns you 2X points.
• All other purchases get 1 point each $1 spent.
• Each year, there are two EarlyBird Check-In® opportunities.
• To qualify for A-List rank, you may earn an infinite number of tier qualifying points.

Pros

• There are no ban dates, and you may book as many reward tickets as you like.
• The yearly charge is low.
• There are no costs for international transactions.

Cons

• There is no preamble. APR is zero percent.
• Southwest Airlines’ premium privileges aren’t available.
• Reward opportunities are limited.

• If you or your immediate family members’ checked or carry-on baggage are damaged or lost, you may get up to $3,000 in compensation.
• Baggage delay insurance reimburses you up to $100 per day for three days for necessary items such as toiletries and clothes if your luggage is delayed for more than six hours.
• Purchase protection: Purchases are protected against damage or theft for 120 days. The maximum amount of coverage is $10,000 per claim and $50,000 per account.

APR on a regular basis

Variable (15.99 percent – 22.99 percent)

• Spend $3,000 on purchases in the first three months of your account to get 60,000 points.
• After your Cardmember anniversary, you’ll get 6,000 extra points.
• Purchases made on Southwest Airlines® will earn you 3X points.
• Rapid Rewards® hotel and vehicle partners provide 2X points.
• Rideshare earns you 2X points.
• All other purchases get 1 point each $1 spent.
• Each year, there are two EarlyBird Check-In® opportunities.
• To qualify for A-List rank, you may earn an infinite number of tier qualifying points.

Pros

• There are no ban dates, and you may book as many reward tickets as you like.
• The yearly charge is low.
• There are no costs for international transactions.

Cons

• There is no preamble. APR is zero percent.
• Southwest Airlines’ premium privileges aren’t available.
• Reward opportunities are limited.

• If you or your immediate family members’ checked or carry-on baggage are damaged or lost, you may get up to $3,000 in compensation.
• Baggage delay insurance reimburses you up to $100 per day for three days for necessary items such as toiletries and clothes if your luggage is delayed for more than six hours.
• Purchase protection: Purchases are protected against damage or theft for 120 days. The maximum amount of coverage is $10,000 per claim and $50,000 per account.

Why we like it: Earn 125,000 points in a calendar year with the Southwest® Rapid Rewards® Premier Business Card and get a Southwest Companion Pass if you often travel domestic business flights with another person. For the remainder of the calendar year and the next year, your companion will be able to travel for free, with just taxes and fees to pay. Use the welcome bonus to get 60,000 points after spending $3,000 in the first three months, and you’ll be almost halfway there.

For every $1 you spend on Southwest Airlines, you’ll get three points, and for every $1 you spend on anything else, you’ll get one point. You’ll also get 6,000 additional points each year your account is renewed, and you’ll just have to pay a $99 yearly cost.

Alaska Airlines Visa Business Card: Best Card for The yearly charge is low.

Visa® Business Credit Card from Alaska Airlines

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Alaska Airlines offers travel awards.

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on Visa® Business Credit Card from Alaska Airlines’s secure website.

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APR on a regular basis

Purchases have a variable APR of 15.99 percent to 23.99 percent.

Annual Fee

$50 for the business and $25 for each card

• This deal includes 40,000 bonus miles as well as Alaska’s Famous Companion Fare starting at $121 ($99 fare plus taxes and fees starting at $22). Make purchases totaling $2,000 or more during the first 90 days of creating your account to qualify.
• Every year, Alaska’s Famous Companion FareTM starts at $121 ($99 plus $22 in taxes and fees). That’s true, every year on your account anniversary, you’ll get a companion ticket starting at $121 ($99 + $22 in taxes and fees). There are no blackout dates on any Alaska flights booked on alaskaair.com.
• On Alaska flights, you and up to six other passengers on the same ticket may get a free checked bag.
• For every $1 spent directly on Alaska Airlines goods, you’ll earn 3 miles, and for every $1 spent on anything else, you’ll get 1 mile.
• When you pay with your card, you’ll get 50% off Alaska Lounge day tickets and 20% back on in-flight food, beverage, and Wi-Fi purchases.
• When you redeem miles for hotel stays at more than 400,000 establishments with Alaska Airline Hotels, you’ll get special access to reduced redemption levels.
• There are no blackout dates and There are no costs for international transactions. when you earn limitless miles and travel.
• Enjoy many money-saving benefits, 800-plus destinations, more than a dozen global airline partners, and a The yearly charge is low. of $50 for the business and $25 for each card.

Pros

• Bonus for registering
• Companion fare is discounted.
• Checked baggage is complimentary.

Cons

• Employee identification cards aren’t free.
• There is no preamble. APR is zero percent.
• There is no free yearly charge at this time.

Bank of America does not provide specific information on the characteristics of their credit cards. Complete benefit information may be found in your benefit guide:

• Get a free checked bag for you and up to six other guests on the same reservation.
• Purchase security: If you have bought things that have been stolen or damaged, Bank of America may replace, repair, or refund you.
• Extra warranty coverage: In addition to the manufacturer’s warranty, you’ll get an additional warranty coverage term.
• Collision damage waiver for car rentals: When you use the card for the full transaction, you’ll get coverage for car rentals.
• Travel & Emergency Assistance Services: Travel accident insurance up to $1 million and emergency ticket replacement are included.

APR on a regular basis

Purchases have a variable APR of 15.99 percent to 23.99 percent.

Annual Fee

$50 for the business and $25 for each card

• This deal includes 40,000 bonus miles as well as Alaska’s Famous Companion Fare starting at $121 ($99 fare plus taxes and fees starting at $22). Make purchases totaling $2,000 or more during the first 90 days of creating your account to qualify.
• Every year, Alaska’s Famous Companion FareTM starts at $121 ($99 plus $22 in taxes and fees). That’s true, every year on your account anniversary, you’ll get a companion ticket starting at $121 ($99 + $22 in taxes and fees). There are no blackout dates on any Alaska flights booked on alaskaair.com.
• On Alaska flights, you and up to six other passengers on the same ticket may get a free checked bag.
• For every $1 spent directly on Alaska Airlines goods, you’ll earn 3 miles, and for every $1 spent on anything else, you’ll get 1 mile.
• When you pay with your card, you’ll get 50% off Alaska Lounge day tickets and 20% back on in-flight food, beverage, and Wi-Fi purchases.
• When you redeem miles for hotel stays at more than 400,000 establishments with Alaska Airline Hotels, you’ll get special access to reduced redemption levels.
• There are no blackout dates and There are no costs for international transactions. when you earn limitless miles and travel.
• Enjoy many money-saving benefits, 800-plus destinations, more than a dozen global airline partners, and a The yearly charge is low. of $50 for the business and $25 for each card.

Pros

• Bonus for registering
• Companion fare is discounted.
• Checked baggage is complimentary.

Cons

• Employee identification cards aren’t free.
• There is no preamble. APR is zero percent.
• There is no free yearly charge at this time.

Bank of America does not provide specific information on the characteristics of their credit cards. Complete benefit information may be found in your benefit guide:

• Get a free checked bag for you and up to six other guests on the same reservation.
• Purchase security: If you have bought things that have been stolen or damaged, Bank of America may replace, repair, or refund you.
• Extra warranty coverage: In addition to the manufacturer’s warranty, you’ll get an additional warranty coverage term.
• Collision damage waiver for car rentals: When you use the card for the full transaction, you’ll get coverage for car rentals.
• Travel & Emergency Assistance Services: Travel accident insurance up to $1 million and emergency ticket replacement are included.

Why we like it: Most travel cards have a hefty price for all of the advantages and services they provide. The Alaska Airlines Visa Business Card, on the other hand, has a $50 annual fee and a $25 per card cost. For every $1 spent on qualified Alaska Airlines purchases, you’ll get an infinite 3 miles, and for every $1 spent on anything else, you’ll get an unlimited 1 mile. Not only that, but if you spend $3,000 or more in the first 90 days, you’ll earn 60,000 additional miles.

Via Alaska’s collaboration with the oneworld® Alliance, you may travel to 1,200 locations on more than 20 different airlines, or redeem miles for reduced hotel stays through Alaska Airlines Hotels.

Best Card for Domestic Travel: Chase Ink Business Preferred

Credit Card Ink Business Preferred®

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Getting the most out of your travel rewards while paying a smaller annual charge

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Chase’s Protected Website

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APR on a regular basis

Variable between 15.99 and 20.99 percent

• Spend $15,000 on purchases in the first three months after creating your account to get 100k bonus points. When redeemed via Chase Ultimate Rewards®, that’s $1,000 in cash or $1,250 in travel.
• Each account anniversary year, get 3 points for every $1 spend on travel and certain business categories. On all other purchases, you’ll get 1 point for every $1 spent.
• Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
• You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
• Points may be redeemed for cash, gift cards, vacation, and more, and they don’t expire as long as your account is active.
• When you redeem points for travel with Chase Ultimate Rewards®, your points are worth 25% more.
• Purchase Protection protects your new purchases against damage or theft for 120 days, up to $10,000 per claim and $50,000 per account.

Pros

• Possibility of increasing the value of award points
• Provides mobile phone insurance as well as trip cancellation insurance.

Cons

• Doesn’t provide a term of interest-free credit.
• An yearly fee is charged.

• When renting a car for work, the collision damage waiver is primary, meaning it takes precedence over any personal insurance coverage you may have. Most automobiles in the United States and overseas are covered for theft and accident damage up to the real monetary worth of the vehicle.
• You and the workers whose names appear on the phone bill you pay with your card are insured for up to $600 in theft or damage per claim. You may only make three claims in a 12-month period, and each claim has a $100 deductible.
• If your vacation is canceled, you may be reimbursed up to $15,000 for planned expenditures like airline or lodging. If your flight is delayed for more than 12 hours, you may be eligible for a $500 hotel, food, and transportation reimbursement.

APR on a regular basis

Variable between 15.99 and 20.99 percent

Credit is required.

Good, Excellent

• Spend $15,000 on purchases in the first three months after creating your account to get 100k bonus points. When redeemed via Chase Ultimate Rewards®, that’s $1,000 in cash or $1,250 in travel.
• Each account anniversary year, get 3 points for every $1 spend on travel and certain business categories. On all other purchases, you’ll get 1 point for every $1 spent.
• Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
• You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
• Points may be redeemed for cash, gift cards, vacation, and more, and they don’t expire as long as your account is active.
• When you redeem points for travel with Chase Ultimate Rewards®, your points are worth 25% more.
• Purchase Protection protects your new purchases against damage or theft for 120 days, up to $10,000 per claim and $50,000 per account.

Pros

• Possibility of increasing the value of award points
• Provides mobile phone insurance as well as trip cancellation insurance.

Cons

• Doesn’t provide a term of interest-free credit.
• An yearly fee is charged.

• When renting a car for work, the collision damage waiver is primary, meaning it takes precedence over any personal insurance coverage you may have. Most automobiles in the United States and overseas are covered for theft and accident damage up to the real monetary worth of the vehicle.
• You and the workers whose names appear on the phone bill you pay with your card are insured for up to $600 in theft or damage per claim. You may only make three claims in a 12-month period, and each claim has a $100 deductible.
• If your vacation is canceled, you may be reimbursed up to $15,000 for planned expenditures like airline or lodging. If your flight is delayed for more than 12 hours, you may be eligible for a $500 hotel, food, and transportation reimbursement.

Why we like it: If you’re not loyal to one particular airline, a travel card with a flexible point reward program may be a better choice. Redeem points for rental cars, hotels, and flights on most major airlines—such as JetBlue, Southwest, and Virgin—with the Chase Ink Business Preferred® card. Earn three points per $1 on the first $150,000 spent on travel and select categories each account anniversary year. When you redeem points for travel with Chase Ultimate Rewards®, your points are worth 25% more..

Plus, on all other purchases, you’ll get one point for every dollar spent. You may exchange your points for gift cards or cash. If you spend $15,000 on purchases in the first three months, you’ll get 100,000 bonus points, which can be redeemed for $1,000 in cash back or $1,250 in travel when redeemed via Chase Ultimate Rewards®. It’s still one of our top selections for best business credit cards for airline miles, even if you get points instead of miles.

The American Express Business Gold Card® is the best option for long-term rewards.

The American Express® Business Gold Card is a credit card issued by American Express.

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Getting the most out of your incentives in the two areas where you spend the most

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on The American Express® Business Gold Card is a credit card issued by American Express.’s secure website.

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APR on a regular basis

Variable 14.49 percent – 22.49 percent

Credit is required.

Good, Excellent

• Spend $10,000 on qualifying purchases with the Business Gold Card during the first three months of Card Membership to earn 70,000 Membership Rewards® points.
• MORE REWARDS: Earn 4X Membership Rewards® points in the two areas where your company spends the most money each month. Other purchases give you 1X points. **
• **The first $150,000 in combined purchases from these two categories each calendar year earns you 4X points.
• AIRLINE BONUS: Earn 25% back after using points to book all or part of a qualifying flight with Amex Travel, up to 250,000 points per calendar year*.
• OPTION TO PAY OVER TIME: Choose whether to pay for qualifying items in full each month or to pay over time with interest.
• *Conditions apply.

Pros

• Every month, earn 4x points in two categories.
• Pay qualifying charges over time with interest, or make a monthly payment in full.

Cons

• You’ll have to pay a hefty $295 yearly charge.
• There are no options for interest-free financing.

• Free premium roadside assistance up to four times each year. Towing up to 10 miles, winching, jump starts, flat tire changing, lockout service while the key is in the car, and up to two gallons of gas delivery are all available.
• When a retailer refuses to accept returns of undamaged merchandise, American Express will repay you for qualified purchases. Coverage is restricted to 90 days from the date of purchase, a maximum of $300 per item, and $1,000 per year.
• Baggage insurance: You may get up to $1,250 in coverage for carry-on luggage and $500 for checked luggage if your luggage is lost, damaged, or stolen.
• Purchases with valid warranties of five years or fewer are eligible for an extended warranty of one year.
• Purchase protection: Within 90 days after purchase, new items are covered against damage or theft. The maximum amount of coverage is $1,000 per occurrence.

APR on a regular basis

Variable 14.49 percent – 22.49 percent

Credit is required.

Good, Excellent

• Spend $10,000 on qualifying purchases with the Business Gold Card during the first three months of Card Membership to earn 70,000 Membership Rewards® points.
• MORE REWARDS: Earn 4X Membership Rewards® points in the two areas where your company spends the most money each month. Other purchases give you 1X points. **
• **The first $150,000 in combined purchases from these two categories each calendar year earns you 4X points.
• AIRLINE BONUS: Earn 25% back after using points to book all or part of a qualifying flight with Amex Travel, up to 250,000 points per calendar year*.
• OPTION TO PAY OVER TIME: Choose whether to pay for qualifying items in full each month or to pay over time with interest.
• *Conditions apply.

Pros

• Every month, earn 4x points in two categories.
• Pay qualifying charges over time with interest, or make a monthly payment in full.

Cons

• You’ll have to pay a hefty $295 yearly charge.
• There are no options for interest-free financing.

• Free premium roadside assistance up to four times each year. Towing up to 10 miles, winching, jump starts, flat tire changing, lockout service while the key is in the car, and up to two gallons of gas delivery are all available.
• When a retailer refuses to accept returns of undamaged merchandise, American Express will repay you for qualified purchases. Coverage is restricted to 90 days from the date of purchase, a maximum of $300 per item, and $1,000 per year.
• Baggage insurance: You may get up to $1,250 in coverage for carry-on luggage and $500 for checked luggage if your luggage is lost, damaged, or stolen.
• Purchases with valid warranties of five years or fewer are eligible for an extended warranty of one year.
• Purchase protection: Within 90 days after purchase, new items are covered against damage or theft. The maximum amount of coverage is $1,000 per occurrence.

We like it because: Consider which expenditure categories you utilize the most with the American Express Business Gold Card®. On the first $150,000 in combined purchases, you may earn 4x Membership Rewards® points per $1 if you buy two of these six things: flights, advertising, computer hardware and software (including cloud services), petrol stations, restaurants, or shipping. On all other purchases, you may get 1 point for every $1 spent. The amount of points you may earn is unlimited, and they never expire.

If you use American Express Travel to redeem your Membership Rewards® points, you may receive up to 25% back, up to 250,000 points each year.

The American Express Business Platinum Card® is the best card for business travelers who want to travel in style.

American Express’s Business Platinum Card®

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Obtaining unparalleled travel rewards and luxury travel benefits such as access to airport lounges

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on American Express’s Business Platinum Card®’s secure website.

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Intro APR

See the APR (Annual Percentage Rate) for Pay Over Time.

APR on a regular basis

Variable 14.49 percent – 22.49 percent

Credit is required.

Good, Excellent

• Spend $15,000 on qualifying purchases with your Card during the first three months of Card membership to earn 120,000 Membership Rewards® points.
• Plus, for purchases qualifying for Pay Over Time, there’s a 0% Intro APR for the first 12 months from the day the account is opened. Then, depending on your creditworthiness and other characteristics established at the time of account establishment, your APR will range from 14.49 percent to 22.49 percent.
• On amextravel.com, earn 5X Membership Rewards® points on flights and prepaid hotels, and 1X points for every dollar spent on qualifying products.
• Earn 1.5X points on eligible purchases 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 everywhere else, on up to $2 million of these purchases per calendar year.
• Get up to $1,000 in statement credits each year with your Card on certain purchases, including up to $400 with Dell Technologies, $360 with Indeed, $150 with Adobe, and $120 on cellular phone purchases. It is necessary to enroll.
• $200 Airline Fee Credit: Earn up to $200 in statement credits each calendar year at one qualified airline for baggage fees and other expenses.
• $179 CLEAR® Credit: Use your Card to earn up to $179 off your CLEAR® membership each year.
• At the airport, the American Express Global Lounge Collection® may offer a welcome respite. As of 9/2021, you have more lounge location possibilities than any other credit card on the market, with over 1,400 airport lounges in 140 countries and counting.
• The annual fee is $695.
• Terms and Conditions apply.

Pros

• Travel rewards of the highest quality
• Free access to over 1,300 airport lounges across the globe
• There are no costs for international transactions.

Cons

• The balance is required in full every month.
• The yearly price is rather high.

• American Express lounges: Free admission to American Express’ Centurion lounges, which are available in little over a dozen US airports.
• Other airport lounges: Priority Pass Select membership, which grants you and two guests free access to over 1,300 lounges worldwide.
• A $100 statement credit for Global Entry every four years or a $85 statement credit for TSA Pre® every four and a half years for airport screening.
• Up to $200 in yearly statement credit on air travel expenditures like as baggage fees and in-flight food and beverage.
• Rental status: At a number of automobile rental businesses, you have elite status.
• Free Wi-Fi: ten free Gogo in-flight Wi-Fi passes each year.
• Rebate for redeemed points: If you book a business or first-class flight, you’ll get a 35 percent points rebate, up to 500,000 extra points every calendar year.
• Dell statement credit: For Dell purchases, you may get up to $400 in statement credits each year.

Intro APR

See the APR (Annual Percentage Rate) for Pay Over Time.

APR on a regular basis

Variable 14.49 percent – 22.49 percent

Credit is required.

Good, Excellent

• Spend $15,000 on qualifying purchases with your Card during the first three months of Card membership to earn 120,000 Membership Rewards® points.
• Plus, for purchases qualifying for Pay Over Time, there’s a 0% Intro APR for the first 12 months from the day the account is opened. Then, depending on your creditworthiness and other characteristics established at the time of account establishment, your APR will range from 14.49 percent to 22.49 percent.
• On amextravel.com, earn 5X Membership Rewards® points on flights and prepaid hotels, and 1X points for every dollar spent on qualifying products.
• Earn 1.5X points on eligible purchases 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 everywhere else, on up to $2 million of these purchases per calendar year.
• Get up to $1,000 in statement credits each year with your Card on certain purchases, including up to $400 with Dell Technologies, $360 with Indeed, $150 with Adobe, and $120 on cellular phone purchases. It is necessary to enroll.
• $200 Airline Fee Credit: Earn up to $200 in statement credits each calendar year at one qualified airline for baggage fees and other expenses.
• $179 CLEAR® Credit: Use your Card to earn up to $179 off your CLEAR® membership each year.
• At the airport, the American Express Global Lounge Collection® may offer a welcome respite. As of 9/2021, you have more lounge location possibilities than any other credit card on the market, with over 1,400 airport lounges in 140 countries and counting.
• The annual fee is $695.
• Terms and Conditions apply.

Pros

• Travel rewards of the highest quality
• Free access to over 1,300 airport lounges across the globe
• There are no costs for international transactions.

Cons

• The balance is required in full every month.
• The yearly price is rather high.

• American Express lounges: Free admission to American Express’ Centurion lounges, which are available in little over a dozen US airports.
• Other airport lounges: Priority Pass Select membership, which grants you and two guests free access to over 1,300 lounges worldwide.
• A $100 statement credit for Global Entry every four years or a $85 statement credit for TSA Pre® every four and a half years for airport screening.
• Up to $200 in yearly statement credit on air travel expenditures like as baggage fees and in-flight food and beverage.
• Rental status: At a number of automobile rental businesses, you have elite status.
• Free Wi-Fi: ten free Gogo in-flight Wi-Fi passes each year.
• Rebate for redeemed points: If you book a business or first-class flight, you’ll get a 35 percent points rebate, up to 500,000 extra points every calendar year.
• Dell statement credit: For Dell purchases, you may get up to $400 in statement credits each year.

Why we like it: The American Express Business Platinum Card® is well regarded in the world of luxury travel. On flights and prepaid hotels booked with Amex Travel, you’ll gain 5x Membership Rewards® points, plus access to 1,400 airport lounges in 500 airports around the globe.

It has the highest annual cost on our list, at $695 per year, but it rapidly pays for itself if you use all of the card’s many advantages. Redeem Membership Rewards® points for a portion or all of a flight booked via American Express Travel and earn 35% of your points back, up to one million points per calendar year. It’s also our top pick for the finest business credit cards that come with access to a lounge.

How We Assessed the Business Miles Credit Card

We looked at miles earned as well as advantages, perks, introductory prizes, and recurring rewards to select the top business credit cards for airline miles.

Conclusion

If you like to travel Delta, Alaskan Airlines, United Airlines, or Southwest Airlines, one of these cards may be the most convenient and finest option for you. If you don’t have a preference for a certain airline, the Capital One® card, Chase Ink card, or American Express Card® will provide you more options for how and where you spend your miles and points.

Whether you’re not sure if a miles card is right for your company, check out our list of the top small business credit cards for additional information and suggestions.

The “best business credit cards 2021” is a topic that many people are interested in. The “8 Best Business Credit Cards for Miles in 2022” will help you find the best card to use.

Frequently Asked Questions

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