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In a field of steep competition and generous rewards, Chase seems to be rising to the top of the pack of rewards credit cards. When you consider the best airline miles business cards, Ink Bold, Chase’s relatively new charge card offering, with Ultimate Rewards is number one. In our evaluation to find the best business miles cards, we looked at both credit cards and charge cards, coming out with three clear values for business owners:
- Ink Bold with Ultimate Rewards from Chase
- CitiBusiness / AAdvantage Visa
- Delta SkyMiles Credit Card from American Express
When we evaluate airline miles business cards, we look not only at the rewards structure, but at other benefits important to frequent travelers. This includes:
- Travel perks, like free upgrades, lounge access and concierge service
- Companion tickets
- Travel insurance availability
- Annual fee and interest rates, if applicable
- Blackout dates, flexibility of airlines, seating, etc.
- Where the card is accepted
These categories put Ink Bold and CitiBusiness / Advantage Visa ahead of what some might think would be a clear winner: American Express. While American Express’ prestige, rewards and insurance are second-to-none, the card is not accepted in many European countries, limiting your ability to use the card when you travel for business. However, if most of your business is domestic, the Delta Skymiles card is still a great value for most business owners.
Let’s look at some of the features and benefits of our three top airline miles cards for business.
Chase Ink Bold with Ultimate Rewards
THIS CARD IS NO LONGER AVAILABLE
The Ink(SM) Bold with Ultimate Rewards(SM) charge card has no finance charges since you pay off your balance at the end of every billing cycle. The card has a reasonable $95 annual fee, which is waived the first year. Also, you can earn $100 bonus cash back when you apply for, are accepted, and use the card the first time. Chase offers many opportunities to earn additional bonus points, too — up to 47,500 the first year.
As a Visa Signature card, Ink Bold offers Visa’s concierge service for free assistance booking travel, making restaurant reservations and more. Earn double points on airfare when you book through the Chase Ultimate Rewards website. Points can be transferred — without penalty — to many popular airline and hotel rewards programs, too, making this one of the most flexible business travel cards.
You’ll also get all the expected perks and benefits, including lost baggage insurance, trip cancellation insurance, and rental car insurance.
CitiBusiness / AAdvantage Visa
If you’re looking for an airline miles reward credit card for your business, the CitiBusiness® / AAdvantage® Visa® has several, well, advantages. Widely accepted across the world (wherever Visa is accepted), the card has a low annual fee of just $99, waived the first year. The APR is 15.24%, but if you’re running your business the way it should be, you should be paying off your card each month anyway. Still, it’s nice to have the benefits of a credit card (rather than a charge card) for those months when cash flow is tight and you need some extra leeway.
When you apply, are accepted, and spend $750 in the first four months with your AAdvantage Visa, you’ll earn 30,000 American Airlines AAdvantage bonus miles, which the Citi website says is more than enough for a domestric round-trip flight. What could be better than starting off on the right foot with a free trip. As with Ink Bold, your employees expenditures on the CitiBusiness / AAdvantage Visa also count towards your miles.
You also have the opportunity to cash in your miles with the Reduced Mileage Awards program, where you can fly to destinations selected quarterly for a mere 7,500 miles round trip.
The card provides discounted membership into the American Airlines Admiral’s Club, and all the usual travel benefits.
The biggest negative we see with this card is that you can only redeem miles for American Airlines and its affiliated airlines flights, but the carrier flies to so many destinations worldwide that the card is still an excellent value for business owners.
Platinum Delta SkyMiles Business Credit Card from American Express
The Delta SkyMiles credit card from American Express was, at one time, CreditShout’s top-ranked airline miles rewards card. The business version of the card is still an excellent value for business owners, with an annual fee of $195, and free employee cards with their own individual spending limits. Purchases made on employee cards count toward your SkyMiles account, too.
You earn double miles when you book travel on Delta Airlines. You can redeem your miles for travel on Delta or through 15 partner airlines. You’ll also enjoy all the typical travel benefits, including rental car insurance, trip cancellation insurance and emergency travel assistance.
The rewards structure is not as generous — or as flexible — as Ink Bold, however, and there’s no cash back bonus just for signing up.