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If you’re running a company that requires regular travel and are loyal to one airline, you should seriously look at how that carrier’s business credit card can not only upgrade your travel experience, but also reward you for your spending.
We looked at all the airline-branded business credit cards on the market and made our picks. Our selection is based on the ability to add employees to the card, whether the card offers tools to help manage and track card activity and card benefits that improve travel in the air and on the ground. Most of the cards that made our list also have sign-up bonuses and other noteworthy perks.
Best airline business credit cards
|Best sign-up bonus||CitiBusiness®/ AAdvantage® Platinum Select® Mastercard®|
|Best for rewards||JetBlue Business Card|
|Best for business management tools||Delta SkyMiles® Platinum Business American Express Card|
|Best for help earning elite status||Delta Reserve® for Business Credit Card from American Express|
|Best airline perks||United Club℠ Business Card|
|Best for travel protections||United Club℠ Business Card|
Best sign-up bonus: CitiBusiness®/ AAdvantage® Platinum Select® Mastercard®
The CitiBusiness®/ AAdvantage® Platinum Select® Mastercard® is currently offering a sign-up bonus that allows you to Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening. Use those miles to book a flight on one of American Airlines’ nearly 350 destinations in more than 50 countries, along with 14,250 daily flights to more than 1,000 destinations to 150 countries under the oneworld alliance of airlines. The annual fee is $99, waived for first 12 months.
Card perks include a free checked bag and preferred boarding for you and up to four travel companions, a 25% discount on in-flight Wi-Fi, travel accident insurance, car rental insurance, travel and emergency assistance, purchase assurance and extended warranty protection. Cardmembers receive one American Airlines domestic companion certificate every year when at least $30,000 is spent on the card.
Businesses can add employee cards for free, set spending limits and earn miles on their spending. A personal business assistant is available to help with travel, hotel and dining arrangements. You can go online to keep track of monthly billing statements and account summaries, however, there’s no way to upload card spending onto popular accounting apps such as QuickBooks.
Earn 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. These are popular spending categories for businesses, but know that other travel business cards offer more points per dollar spent.
The card doesn’t have a intro purchase or balance transfer APR. You’ll be charged a purchase APR of 15.99% - 24.99% (Variable) and a balance transfer APR of N/A. The balance transfer fee is N/A. The card charges 0% in foreign transaction fees.
Best for rewards: JetBlue Business Card
Because of its smaller route network compared to legacy airlines, this card is best for businesses who are based in the 100-plus cities JetBlue serves and don’t travel to places beyond the airline’s U.S., Caribbean, and Latin America destinations.
Whenever you redeem your JetBlue TrueBlue loyalty program points for a flight, you’ll earn 10% of them back. On your JetBlue Business Card account anniversary, you’ll receive 5,000 bonus points in your TrueBlue account as long as your credit card account remains open, active and in good standing.
Card perks include an annual $100 statement credit when buying a JetBlue Vacations package costing $100 or more, 50% off in-flight cocktails, food and other eligible purchases and the chance to earn four TrueBlue points per dollar spent when shopping at Amazon.com aboard your flights using Fly-Fi® Wi-Fi and the JetBlue Business Card.
Cardmembers earn 6X points on JetBlue purchases plus 2X points at restaurants and office supply stores and 1X points on all other purchases. This is by far the best points per dollar spent on flying among airline-branded credit cards. It also offers higher points for spending at restaurants and office supply stores, although some competing business cards offer more. It has a $99 annual fee.
Businesses can add employee cards for free, as well as set controls for credit lines, single purchase limits or cash access and receive a consolidated statement for all purchases. You can also separate business and personal expenses and monitor and download card transactions.
The card doesn’t have intro purchase or balance transfer offers. The regular purchase rate is a 17.74% or 26.74% variable APR and the balance transfer rate is a 17.74% or 26.74% variable APR. The balance transfer fee is Either $5 or 3% of the amount of each transfer, whichever is greater. There is a foreign transaction fee of 0% of the U.S. Dollar amount.
Best for business management tools: Delta SkyMiles® Platinum Business American Express Card
Earn 70,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $4,000 in purchases on your new Card in the first 3 months.*
Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent on purchases made directly with hotels.
Priority Boarding & 20% savings on eligible in-flight purchases*
- Limited Time Offer: Earn 70,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $4,000 in purchases on your new Card in the first 3 months. Offer ends 10/28/20.
- Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent on purchases made directly with hotels.
- Status-like benefits: First Check Bag Free on Delta flights + Main Cabin 1 Priority Boarding
- Earn 1.5 miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half point per dollar), up to 50,000 additional miles per year. 1 Mile on every eligible dollar spent on other purchases.
- Get closer to status with Status Boost™. Spend $25,000 in purchases on the Card in a calendar year and earn 10,000 Medallion® Qualification Miles (MQMs); spend a total of $50,000 in eligible purchases on the Card in a calendar year and earn an additional 10,000 MQMs. MQMs are used to determine Medallion Status and are different from the miles you earn toward flights.
- Terms and limitations apply.
- See Rates & Fees
See additional details for Delta SkyMiles® Platinum Business American Express Card
If you and your employees travel on Delta Air Lines regularly, you’ll want to have this card to help keep your financial house in order. The airline flies to more than 1,000 airports around the globe on Delta and its SkyTeam alliance of 19 other global carriers.
The Delta SkyMiles® Platinum Business American Express Card helps travelers keep Medallion elite status. If you spend $25,000 or more per calendar year on the card, you’ll be awarded 10,000 bonus miles and 10,000 MQMs. If you spend $50,000 or more, you’ll earn another 10,000 bonus miles and 10,000 MQMs. Delta SkyMiles Medallion perks include free upgrades, priority check-in and boarding, a free checked bag, dedicated check-in desks and customer service lines, SkyTeam elite status, expedited baggage handling, upgrade certificates and bonus miles. As for foreign transaction fees, there are None.
The card also offers some nice perks when flying, including a free checked bag and priority Zone 1 boarding for you and up to nine others traveling on the same reservation. You receive an in-flight 20% discount as a statement credit when you use the card to buy food, beverages, and audio headsets.
Earn a free domestic economy class round-trip companion certificate (excluding taxes and fees) every year you renew the card. Enjoy the Delta Sky Club airport lounge at a discounted rate of $29 per person for you and up to two guests. Finally, cardmembers enjoy a baggage insurance plan, travel accident insurance, roadside assistance, car rental loss and damage insurance, extended warranty and purchase protection.
The card has a $250 annual fee. You can issue up to 99 employee cards for free that earn miles on your SkyMiles loyalty program account.
To keep an eye on everything, you can designate an account manager to keep track of spending, use the American Express® Business App to upload receipts and notes via a laptop or mobile phone and connect your account to QuickBooks to handle accounting tasks. Set account alerts to avoid late payments, warn about irregular spending and monitor card use.
The card also comes with a free basic Vendor Pay by Bill.com account. Vendor Pay pairs your business’s accounts payable process and allows you to pay vendors with the card. It streamlines vendor payments, improves working capital and cash conversion cycles and provides better data for payment reconciliation.
The American Express app allows businesses to manage their account, pay the card bill, check balances, view benefits and more from a smartphone or tablet. You can also view purchase history, prepare reports and budget expenses online.
When your business needs help, the Delta SkyMiles® Platinum Business American Express Card is there with the Global Assist® Hotline and Relationship Care® Service. The hotline gives you 24/7 access to medical, legal, financial or other emergency coordination and assistance services. Relationship Care offers support from customer care professionals trained to support small business owners.
The card also allows cardholders to Earn 70,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $4,000 in purchases on your new Card in the first 3 months.
Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent on purchases made directly with hotels. You won’t earn higher miles per dollar spent on categories that are important to businesses such as non-Delta travel and dining.
To see rates & fees for Delta SkyMiles® Platinum Business American Express Card please click here.
Best for help earning elite status: Delta SkyMiles® Reserve Business American Express Card
This luxury credit card is for businesses owners and employees who are among Delta Air Lines’ top elite flyers. It comes with a $550 annual fee, but the benefits help make the cost palatable.
Cardholders get VIP treatment with perks offered on this card, including a free checked bag and priority boarding for the cardholder and up to nine companions on the same reservation, using the priority airport screening checkpoint line when available, a free Delta Sky Club airport lounge membership, a 20% discount on audio headsets, pre-purchased meals and in-flight purchases of food, alcoholic beverages when paid for with the card. There’s also coverage for lost, damaged, or stolen baggage, car rental loss and damage and travel accident insurance.
Earn 45,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $4,000 in purchases on your new Card in the first 3 months. This is the first way the card helps you maintain Medallion elite status. If you spend $30,000 on the card in a calendar year, you’ll earn another 15,000 MQMs. After spending another $60,000 in a calendar year, you’ll earn another 15,000 MQMs and another 15,000 bonus miles. There’s also a free domestic First Class, Delta Comfort+® or Main Cabin round-trip companion certificate every time you renew the card.
The Delta SkyMiles® Reserve Business American Express Card allows companies to add up to 99 employee cards. Additional Delta SkyMiles® Platinum Business American Express Card are free, while extra Delta SkyMiles® Reserve Business American Express Card cards cost $175 each per year.
The card comes with the same business tools as the Delta SkyMiles® Platinum Business American Express Card, including an account manager, the American Express® Business App and connection to QuickBooks, setting account alerts, Vendor Pay, the American Express app, the Global Assist Hotline and Relationship Care Service.
To see rates & fees for Delta SkyMiles® Reserve Business American Express Card please click here.
Best airline perks and travel protections: United Club℠ Business Card
If you fly regularly on United’s network of 353 airports operating 4,800 flights a day, this business card will take the best care of you when traveling. The card’s annual fee is $450.
The United Club℠ Business Card is packed with perks that appeal to businesses that have employees who are always in the air. You receive a United ClubSM airport lounge membership, valued at up to $550 a year, that also covers eligible travel companions.
There’s priority check-in and security screening (where available), early boarding and priority baggage handling. The cardmember and a companion traveling on the same reservation each receive two free checked bags on United-operated flights.
The card has some of the most extensive travel and purchase protections, including trip cancellation/trip interruption insurance; lost luggage reimbursement; trip delay reimbursement; auto rental collision damage waiver; purchase protection; price protection; return protection; and extended warranty protection. It also comes with access to Visa Signature® Concierge Service. However, even with all these perks, it’s surprising that the card doesn’t offer credits for Global Entry or TSA Precheck enrollment fees or an in-flight Wi-Fi or food and beverage discount.
Cardmembers also receive benefits from the Luxury Hotel & Resort Collection of more than 900 properties. That includes daily breakfast for two, a special benefit unique to each property, such as a dining or spa credit, free Wi-Fi, a room upgrade, if available and early check-in and late check-out, if available. The card also comes with a membership to the Hertz Gold Plus Rewards President’s Circle and a 25% bonus on Hertz Gold Plus Rewards Points, upgrades, exclusive offers and more.
The sign-up bonus allows cardmembers to Limited Time Offer: 100,000 bonus miles after you spend $10,000 on purchases in the first 3 months your account is open. Offer ends 4/2/20. This is by far one of the limited bonuses offered not only among the cards in this review, but with other luxury travel cards on the market. Cardmembers Earn 2 miles per $1 spent on United purchases, and 1.5 miles per $1 spent on all other purchases. Businesses can get free employee cards, but it doesn’t come with any tools.
How to choose the right airline business card
There are many factors to unpack when deciding which airline business credit card is best for your company. Asking questions can help you prioritize which card features will help you maintain and grow your business, plus allow you to get the best perks from your chosen airline.
How much is the card’s annual fee?
Fees for the cards reviewed run the gamut. What’s most important is that any fee you pay is offset by perks and credits that come with the card.
What’s the sign-up bonus/welcome offer for new cardmembers?
If an instant bonus miles boost is important to you, a card that offers the most to top off your airline loyalty program account could be attractive, especially if it’s enough to cover flight or seat upgrades.
What do you need to spend to earn the sign-up bonus/welcome offer?
Look at the fine print and see what that figure is. After that, decide if the bonus miles being offered balance with how much you’ll need to spend, especially if you don’t plan to pay off the card completely every month.
Which card offers the best miles/points per $1 spent?
As a business, you want to earn the most points/miles per $1 spent in spending categories that businesses charge the most on, including travel, dining and office supplies.
Does it come with business management tools?
Any good business credit card worth its salt comes with the benefit of offering employees their own cards. But you also want a card that helps you manage all those cards with tools.
Does the card help you earn elite status?
The points/miles you earn for spending on an airline business credit card go toward elite status. But it’s great if your chosen card includes another way to earn bonus qualification miles after spending predetermined amounts on the card during a calendar year. But be careful about spending just to chase after those bonus miles.
What perks does the card offer?
Airline business credit cards come with a combination of priority check-in and boarding and a free checked bag, especially if you can share them with travel companions. Other nice perks include airport lounge access, in-flight food and beverage discounts, anniversary bonus points/miles and travel/purchase protections.
The information related to the United Club℠ Business Card has been independently collected by CompareCards and has not been reviewed or provided by the issuer of this card prior to publication.