done

How we calculate the savings

We think the most important things to ask when you're picking a travel rewards card are "How much can you spend?" and "Where do you want to go?"

The CardFinder ranks cards based on your answers to both questions.

MileCards.com knows all miles are not created equal and constantly monitors the actual price in miles of awards for the biggest mileage programs to the most popular destinations. We also monitor the average cost in cash for tickets to these same destinations to value the real savings you can earn. We use that intelligence in our algorithm for ranking cards based on where you want to go.

The values you see represent realistic averages you can expect if you're not flexible with dates, and factors days with and without 'Saver' level awards. If you are flexible and think you can always score the limited Saver level seats from airlines, then you can earn even higher awards. That's why we give you the option to enter your own value for each card to get your own savings rankings. 

Other things we factor:

 
Annual fees: We count the cost of annual fees when adding up the total savings number.

Free bags: Many cards offer you a free checked bag when you travel on the airline that brands the card. We assume you take advantage of 2 bags per year, but can change that in the Advanced Options section.

Foreign transaction fees: Many cards waive foreign transaction fees that are typically 3% on purchases made abroad. We factor those savings and you can change your estimated foreign purchases per year in the Advanced Options.

What the categories mean

Entering your monthly spending here lets you see exactly how many points you can earn in a year with each card. Many have bonuses based on which categories you spend and how much you spend each year. We factor those in.

Dining: Restaurants, fast food 

Airfare: Plane tickets, usually purchased from the airline associated with the card 

Gas: Gasoline purchases (for auto fuel)

Hotel: Hotel spending, usually purchased directly from the hotel 

Grocery: Supermarket spending, usually excludes super centers like Walmart or Costco 

Telco: Cable, Internet, phone services. We also include office supplies here as these tend to be associated with the same category for business credit cards. 

Other: This calculates automatically

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Chip / PIN / Foreign Fees

Milecards Business Travel Credit Cards

Disclosure*

If you are a small business owner, you have the opportunity to be rewarded with valuable travel and benefits if you hold the right business credit cards.

Just answer where you want to go with your travel rewards, and how much you spend on business expenses each month. We'll rank the cards that earn you the most value in travel rewards, factoring annual fees, the usefulness of points, and introductory deals. 

16 Cards Found
  • (MileCards.com estimate)
Ink Business Preferred℠ Credit Card

$2,585

Estimated Travel Rewards

212,000

Estimated Annual Points
Points don't expire
as long as card is open
Bonus Offer

Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

Card Highlights
  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent in select categories each account anniversary year
  • Earn 1 point per $1 on all other purchases–with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more – your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee

> Read our full review

Where can you use your points?

You can transfer points 1:1 into your accounts with United, Southwest, British Airways, Virgin Atlantic, Korean Airlines, Singapore Airlines, Hyatt, Marriott, and Ritz Carlton. That means you can combine points from this card with miles you've already earned at any time.

You can also use your points toward the cost of buying travel on www.UltimateRewards.com with no blackout or capacity controls. If a ticket is for sale you can buy it, with every 10,000 points worth $125. Savvy travelers find the best value is transferring points to airline miles for rewards, particularly international flights and first/business class tickets.

Estimated Rewards

For domestic flights, the best use of points is generally to transfer to Southwest, where you can you can often find flights for less than 20,000 points.

You can also transfer your points to United, which is a good value for long international flights. You can get a roundtrip to Europe in Economy Class on United or its many partners for 60,000 miles on many days and to Asia for 70,000 - 85,000 miles, even when airfares are $1,200 or more. If you're flexible with dates, Hawaii roundtrips on United are 45,000 miles.

For hotels, we assume you transfer points to Hyatt, the highest value hotel program. 

If you choose to redeem travel directly through Ultimate Rewards, every 10,000 points is worth $125 in travel, or $0.0125 each toward any flight or hotel room.  

You may get more value out of the card by transfering to other partners. For example, if you transfer to British Airways Avios you can get awards on its partners American Airlines or Alaska Airlines for as little as 15,000 points round-trip. It's a useful option if you live in a city with a lot of American or Alaska non-stop flights.  And if you're heading to Hawaii you can use Avios for non-stop flights from the West Coast on Alaska or American for 25,000 points round trip, versus 45,000 miles or more with most other airline programs.

 

Points

Dollars

Intro bonus value

80,000

$1,000

Points from spending value

132,000

$1,650

Annual bonus value

0

$0

Baggage fee savings

NA

$0

Foreign transaction fee savings

NA

$30

Other (free nights, etc)

NA

$0

Less annual fee

NA

$95

Total

212,000

$2,585

Reward Rate

4.31%

Have your own value per point?

Recalculate
Spark Miles Business Credit Card

$1,730

Estimated Travel Rewards

170,000

Estimated Annual Points
Points don't expire
as long as card is open
Point Transfer : No Free Bag : No
$0 intro for the first year; $59 after that
Bonus Offer

Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months

Card Highlights
  • Earn 2 miles per dollar on every purchase, every day
  • Plus, a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months
  • Miles don't expire, and there are no categories to limit where or what you buy
  • $0 intro annual fee for the first year; $59 after that
  • There's no limit to the amount of miles you can earn and miles don't expire
  • Redeem miles for travel, cash back, gift cards, and more
  • No foreign transaction fees and fly on any airline, anytime, with no blackout dates or seat restrictions
Where can you use your points?

You can use your points to 'erase' the cost of any travel purchase made on your card. Just note you must have enough points to erase the entire cost of a single purchase in order to do so. So for example, if you bought a $200 hotel room, you must have 20,000 points in your account to get credit for it. You can't ask for partial credit like a similar card, the Barclaycard Arrival.

Estimated Rewards

Every 10,000 points is worth $100 toward a travel purchase.

 

Points

Dollars

Intro bonus value

50,000

$500

Points from spending value

120,000

$1,200

Annual bonus value

0

$0

Baggage fee savings

NA

$0

Foreign transaction fee savings

NA

$30

Other (free nights, etc)

NA

$0

Less annual fee

NA

$0

Total

170,000

$1,730

Reward Rate

2.88%

Have your own value per point?

Recalculate
Apply now Partner Offer

Terms and Restrictions Apply

more detail

$1,640

Estimated Travel Rewards

164,000

Estimated Annual Points
Points don't expire
as long as card is open
Point Transfer : Yes Free Bag : No
$0 introductory annual fee for the first year, then $175
Bonus Offer

Welcome Offer: Earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership

Card Highlights
  • Welcome Offer: Earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership
  • Get 3x points - Choose 1 out of 5 categories
  • Plus, 2X points on the 4 remaining categories and 1X points on other purchases
  • 3X and 2X apply to the first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter
  • Track, organize, and stay on top of your business expenses with powerful expense-tracking tools
  • No foreign transaction fees
  • $0 introductory annual fee for the first year, then $175
  • Terms and limitations apply
Where can you use your points?

This card earns Amex Membership Rewards points, which you can use two ways for travel:

Transfer your points into real miles with frequent flier programs, including Delta SkyMiles.

The points you transfer from Amex to Delta turn into real SkyMiles, so you can add to the miles you already have and get to your next award faster.  You can also transfer to AeroMexico, Air Canada, Alitalia, All Nippon, British Airways, Cathay Pacific, El Al, Air France / KLM, Frontier, Hawaiian, Iberia, JetBlue, Singapore, Virgin Atlantic, and Virgin America. Here's an illustration of how it works.
 

Transferring to Delta miles is one of the most popular options, but savvy flyers like using Membership Rewards points to take advantage of deals with Singapore KrisFlyer (for Business and First Class awards) and ANA (for some of the cheapest options to Asia). 
 

Use your points to book travel on the American Express website.

This lets you avoid the rules of frequent flier programs. Every 10,000 points is worth $100 in flights, hotels, car rentals, or cruises, and you can book just about any flight or hotel this way. You can also pay with part points, and part cash, so you don't need enough points to cover the whole ticket.

Estimated Rewards

Membership Rewards points are best saved for topping off Delta SkyMiles balances you already have or saving for premium international flights using mileage transfer partners like Aeroplan, Air France, or ANA. Beware though that most award flights flown by non-US based partners incur fuel surcharges of hundreds of dollars. You can avoid these by transfering to Delta miles or using Air Canada miles to redeem on United among other options.

For domestic flights that aren't on Delta, British Airways charges as little as 15,000 points roundtrip for short nonstop flights, and American and Alaska are partners of British Airways. The catch is you need to live in a city with a lot of American or Alaska Airlines nonstop flights as British Airways charges extra if your trip involves a connecting flight.

You can also use Amex points for United flights via Air Canada Aeroplan, Singapore KrisFlyer, or ANA Mileage Club. 

 

 

Points

Dollars

Intro bonus value

50,000

$500

Points from spending value

114,000

$1,140

Annual bonus value

0

$0

Baggage fee savings

NA

$0

Foreign transaction fee savings

NA

$0

Other (free nights, etc)

NA

$0

Less annual fee

NA

$0

Total

164,000

$1,640

Reward Rate

2.73%

Have your own value per point?

Recalculate
NO FEE
Business Advantage Travel Rewards World Mastercard® credit card

$1,630

Estimated Travel Rewards

160,000

Estimated Annual Points
Bonus Offer

Earn 25,000 bonus points when you make $1,000 in purchases in the first 60 days of your account opening which can be redeemed for a $250 statement credit towards travel purchases

Card Highlights
  • Earn 25,000 bonus points when you make $1,000 in purchases in the first 60 days of your account opening which can be redeemed for a $250 statement credit towards travel purchases
  • Earn 1.5 points per every $1 you spend on all purchases, everywhere, every time - no matter how much you spend
  • Earn 3 point per every dollar spent when you book your travel (car, hotel, airline) through the Bank of America Travel center - powered by Orbitz
  • No limit to the number of points you can earn and points don't expire
  • Enjoy no annual fee and no interntaional transaction fees while earning points
Where can you use your points?

You can request statement credit for travel purchases you make on your card, with every 5,000 points worth $50.

Estimated Rewards

Use your miles to book travel via the Bank of America travel center. Every point is worth one cent toward travel purchases.

 

Points

Dollars

Intro bonus value

25,000

$250

Points from spending value

135,000

$1,350

Annual bonus value

0

$0

Baggage fee savings

NA

$0

Foreign transaction fee savings

NA

$30

Other (free nights, etc)

NA

$0

Less annual fee

NA

$0

Total

160,000

$1,630

Reward Rate

2.72%

Have your own value per point?

Recalculate
CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

$1,550

Estimated Travel Rewards

147,000

Estimated Annual Points
Point Transfer : No Free Bag : Yes
$95, waived for the first 12 months*
Card Highlights

Read the full MileCards.com review
 

  • Designed for businesses
  • Earn 50,000 American Airlines AAdvantage® bonus miles after making $3,000 in purchases within the first 3 months of account opening*
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation*
  • Enjoy preferred boarding on American Airlines domestic flights*
  • Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines® purchases*
  • Earn 2 AAdvantage® miles for every $1 spent on purchases at telecommunications, car rental merchants and at gas stations*
  • Earn 1 AAdvantage® mile per $1 spent on other purchases.*
Where can you use your points?

You can use your miles on the American Airlines website or by calling American AAdvantage. 

The price you pay for a flight is based on what region you want to travel to, and not all flights have awards available at the lowest advertised mileage price.  

AAdvantage miles can be used on American flights, as well as for flights on its partners, including British Airways, Cathay Pacific, LAN, Alaska Airlines, Japan Airlines, and more. Note that you need to call in to access Cathay Pacific, LAN, and Japan Airlines flights.
 

Flights on British Airways incur fuel surcharges which vary, but are around $500 for Transatlantic flights in Economy and $1,000 in Business or First Class.  These are fees British Airways also charges its own frequent flyers when they book with miles. Other partner flights do not have surcharges of this magnitude.

> Read our guide to using AAdvantage miles

Estimated Rewards

AAdvantage miles are best saved for flights in Business Class and First Class, which opens up some very good deals.  You can get to most of Asia for about 120,000 miles roundtrip in Business Class on American or its partners Cathay Pacific and Japan Airlines with decent availability. Europe is also available for 115,000 miles roundtrip in Business Class, but beware that flights on British Airways incur large fuel surcharges of about $1,000 for Business Class and about $500 for Economy Class. Domestic flights are usually available for around 50,000 miles in First Class, a decent deal versus fares of around $1,000 or more.

 

There are also some good deals in international Economy Class. You can fly to Europe from just 45,000 miles roundtrip and much of Asia from 65,000 miles in Economy Class on American and its partners during 'off peak' dates. Availability to Hawaii is spotty in Economy Class at 40,000 miles, though First Class seats at 80,000 miles tend to be easier to find, especially if you can take advantage of partners Hawaiian Airlines or Alaska Airlines from the West Coast. Australia is also a great option, with partner Qantas offering many seats for 80,000 miles round trip in Economy, though seats in Business Class are very hard to find unless you plan far ahead.

 

Your actual reward savings may vary based on how much the ticket or hotel you purchase would have cost in cash.

 

Points

Dollars

Intro bonus value

50,000

$500

Points from spending value

90,000

$900

Annual bonus value

7000

$70

Baggage fee savings

NA

$50

Foreign transaction fee savings

NA

$30

Other (free nights, etc)

NA

$0

Less annual fee

NA

$0

Total

147,000

$1,550

Reward Rate

2.58%

Have your own value per point?

Recalculate
United MileagePlus® Explorer Business Card

$1,500

Estimated Travel Rewards

142,000

Estimated Annual Points
Points don't expire
as long as card is open
Point Transfer : No Free Bag : Yes
$0 intro annual fee for the first year, then $95
Card Highlights

The information for the this product has been collected independently. The card details for this product have not been reviewed or provided by the card issuer.

 

You can check your first bag for free and save up to $100 per round-trip. You can also enjoy priority boarding privileges and visit the United Club with two one-time-use passes every year. There are no foreign transaction fees.

You earn 2 miles for each $1 spent at restaurants, gas stations, and office supply stores and on tickets purchased from United and you can earn 10,000 bonus miles every calendar year you spend at least $25,000 on your Card.

Where can you use your points?

MileagePlus miles can be used for travel on United and its Star Alliance partners, including Air Canada, Lufthansa, ANA, Singapore, Thai, Swiss, Austrian, Asiana, Avianca, Copa and more. 

The price you pay depends on which region you're flying to and from.

You can read our guide to using United MileagePlus miles here.

Estimated Rewards

United miles are best saved for International trips in Economy Class, particularly to Europe where you can get a roundtrip for 60,000 miles. Availability at this mileage price is generally very good thanks to United's Star Alliance partners including Lufthansa and Swiss Airlines. Asia can be reached for 70,000 - 85,000 miles, a decent deal when cash tickets run $1,500 or more.

 

Business Class flights can also be a good use of miles, but generally only if you can find seats on United's own flights at its lowest Saver level price. You can get to Europe for 115,000 miles roundtrip and most of Asia or Australia for 140,000 miles on United flights. The issue is, availability at these prices can be very spotty. Flights on partners in Business Class are more expensive, with 140,000 miles required for Europe and 160,000 miles for much of Asia.

 

Availability to Hawaii is decent in Economy Class, with United offering more flights to Hawaii than any other airline, though at peak times you may have to pay 60,000 or 80,000 miles instead of the lowest 45,000 mile Saver price. Getting to Central and northern South America is also easy thanks to partners Copa and Avianca / TACA.

 

Run of the mill domestic flights in Economy Class usually aren't a great deal, which is the case with most of the big airlines. You'll probably pay closer to 37,500 miles for your trip if you're not flexible with dates than the lowest advertised 25,000 miles.

 

You can get better domestic travel value from the rewards you get from your card spending with Southwest points or bank points cards like the BankAmericard Travel Rewards card. But if you go to places where tickets usually cost $500 or more like some smaller cities with limited service, or buy last minute tickets, then saving United miles for these trips can be a good deal. Long flights across the country in First Class are also a good deal instead of paying $1,500 or more if you can find dates at the Saver 50,000 mile level.

 

Points

Dollars

Intro bonus value

30,000

$300

Points from spending value

102,000

$1,020

Annual bonus value

10000

$100

Baggage fee savings

NA

$50

Foreign transaction fee savings

NA

$30

Other

NA

$0

Less annual fee

NA

$0

Total

142,000

$1,500

Reward Rate

2.50%

Have your own value per point?

Recalculate
U.S. Bank FlexPerks® Business Edge (TM) Travel Rewards Visa Signature® card

$1,433

Estimated Travel Rewards

95,500

Estimated Annual Points
Point Transfer : No Free Bag : No
$0 intro* for the first year, then $55*
Bonus Offer

Get 20,000 Bonus FlexPoints after the first $2,000 in net purchases in the first 4 months.

Card Highlights

The FlexPerks Business Edge card earns 2x FlexPoints on the category you spend the most within gas, office supply, or airline purchases. It also earns 2x points on most cell phone expenses. You also get 3x FlexPoints on qualifying charitable donations.

There's a $25 airline allowance with every award ticket you book with your points that you can use toward bag fees, in-flight food, and more.

The card has an intro $0 annual fee the first year, then $55 after. Employee cards are $10 a year.
Where can you use your points?

You can use FlexPerks points to book flights via the FlexPerks Reward Center, with access to over 150 airlines. 

The price you pay in points depends on the price of your ticket. For example...

20,000 points = up to $400 in ticket value
30,000 points = up to $600 in ticket value

Statement credit is also an option, but you don't get as much dollar value out of your points as you would using the FlexPerks Reward Center to book flights.

Estimated Rewards

FlexPoints are worth 1 to 2 cents each depending on the value of the ticket you purchase.

 

Points

Dollars

Intro bonus value

20,000

$300

Points from spending value

72,000

$1,080

Annual bonus value

3500

$53

Baggage fee savings

NA

$0

Foreign transaction fee savings

NA

$0

Other (free nights, etc)

NA

$0

Less annual fee

NA

$0

Total

95,500

$1,433

Reward Rate

2.39%

Have your own value per point?

Recalculate
Alaska Airlines® Visa Business Card®

$1,405

Estimated Travel Rewards

138,000

Estimated Annual Points
Bonus Offer
30,000 bonus miles after you make $1,000 or more in purchases within the first 90 days.
Card Highlights
  • 30,000 bonus miles after you make $1,000 or more in purchases within the first 90 days.
  • Receive an annual coach Companion Fare from $121(USD) ($99 base fare plus taxes and fees, from $22 depending on your Alaska Airlines flight itinerary).
  • Earn 1 mile per $1 on all purchases
  • Earn 3 miles per $1 on Alaska Airlines tickets/vacation packages/cargo purchases
  • Enjoy no mileage cap. There's no limit to the number of miles you can earn with the Alaska Airlines Visa Signature card.
  • Go far and wide with points redeemable on over a dozen airlines. Visit the Alaska Airlines website for the airline partner list.
Where can you use your points?

You can use your miles on AlaskaAir.com or by calling Alaska MileagePlan for Alaska Airlines flights and flights on partner airlines including American, Delta, Qantas, British Airways, Emirates, Air France / KLM, Aeromexico, LAN, and Fiji Airways. These awards are subject to award space restrictions, and not every flight may be available to book with your miles.

Alaska charges for flights based on what region you're flying to, and what airline you're using. See the award chart here. If you're short on miles you can buy additional miles, but sometimes that might cost more than paying for a ticket without miles. 
 

While you can't combine Alaska miles with the miles of other programs like Delta, you can use them to book any flight a partner makes available to its own frequent flyers at the 'saver' mileage levels. No U.S. program has a broader range of partners, and is one you should consider crediting flights to if you don't fly enough to hit 'elite' status with any one of American or Delta.

Estimated Rewards

If you don't fly Alaska a lot, we recommend this card if you can take advantage of the Companion voucher, plan to go to Hawaii on Alaska for as few as 40,000 miles roundtrip, or plan to take advantage of its unique international partner options, which offer access to some good Business Class and First Class deals.

Most are easily bookable online at AlaskaAir.com. Unlike Delta, Alaska has good access to flights with Air France and KLM to Europe, particularly in Business Class at 125,000 miles roundtrip. It also has access to flights on Cathay Pacific, Qantas, Emirates, British Airways, and more at competitive mileage prices. It's tougher to earn miles with Alaskas program, but when you do they can be valuable for these premium awards. 

 

Points

Dollars

Intro bonus value

30,000

$300

Points from spending value

108,000

$1,080

Annual bonus value

0

$0

Baggage fee savings

NA

$0

Foreign transaction fee savings

NA

$0

Annual Coach Companion fare (value varies)

NA

$100

Less annual fee

NA

$75

Total

138,000

$1,405

Reward Rate

2.34%

Have your own value per point?

Recalculate
Apply now Partner Offer

Terms and Restrictions Apply

more detail

$1,375

Estimated Travel Rewards

139,000

Estimated Annual Points
Points don't expire
Bonus Offer


Earn 35,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $1,000 in purchases on your new Card in your first 3 months.

Card Highlights
 
  • Earn 35,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $1,000 in purchases on your new Card in your first 3 months.
  • Earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • Check your first bag for free and save up to $50 on a round trip Delta flight.
  • Settle into your seat sooner with Priority Boarding.
  • Enjoy 20% savings on eligible in-flight purchases in the form of a statement credit.
  • Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases. Miles don't expire.
  • No Foreign Transaction Fees.
  • Terms and limitations apply
  • See Rates & Fees

While not always advertised, this card also offers a companion certificate for domestic travel on Delta flights each year you renew your card and pay the annual fee. It's valid on certain fare classes and carries some restrictions like only being valid on some of its lowest L, U, and T economy fares, and subject to limited seats on any given flight, but if you're flexible it can be useful.

Where can you use your points?

There are two ways to use Delta SkyMiles for flights.

Book award flights.

SkyMiles can be used for travel on Delta, Alaska Airlines, and SkyTeam partners including Air France, KLM, Korean Airlines, Aeromexico, Alitalia, China Southern, and Aeroflot. Other partners include Virgin Atlantic, Virgin Australia and Air Tahiti Nui.

The price you pay generally depends on the region you're traveling to, and you can book on Delta.com or by calling Delta (there's no fee for booking over the phone). 

Read our guide to using Delta SkyMiles

Pay with miles.

When shopping on Delta.com, you can use miles to cover some or all of the cost of buying a ticket. Just shop for a flight as if you want to pay cash, and when you get to the payment page, you'll see the option to use miles to cover it. Every 5,000 miles gets you $50 off the price of your ticket. 

 

Estimated Rewards

Delta SkyMiles has many levels for award prices, and for Economy Class, the lowest price for many domestic flights tends to be 25,000 miles roundtrip. Some shorter flights can be as low as 15,000 miles roundtrip. Flights to Hawaii can be as low as 45,000 miles roundtrip, and those to Europe can be as low as 60,000 miles, or even lower during award sales. 

During the summer, when tickets to Europe are expensive, the 60,000 mile roundtrip Economy Class award can be a good deal, saving you $1,500 or more. Delta has lots of partners to get you around Europe, and even flights from the West Coast can have decent award availability. 

Flights in Business Class to Europe and Asia are also a good value. You can find decent availability on Delta and partner flights for 140,000 miles roundtrip to Europe and 160,000 miles roundtrip to many parts of Asia, getting you thousands of dollars in flight value. Even India is just 140,000 miles roundtrip in Business Class.  

And all Delta awards can be booked as a one way ticket for half the price, which is a great way to use your miles if you're short on what's needed for a full round-trip, or want to use a different airline for your other flight. 

 

Points

Dollars

Intro bonus value

35,000

$350

Points from spending value

84,000

$840

Annual bonus value

20000

$200

Baggage fee savings

NA

$50

Foreign transaction fee savings

NA

$30

Annual companion ticket (value varies)

NA

$100

Less annual fee

NA

$195

Total

139,000

$1,375

Reward Rate

2.29%

Have your own value per point?

Recalculate
Apply now Partner Offer

Terms and Restrictions Apply

more detail

$1,220

Estimated Travel Rewards

114,000

Estimated Annual Points
Points don't expire
Point Transfer : No Free Bag : Yes
$0 introductory annual fee for the first year, then $95.
Bonus Offer


Make business travel more rewarding. Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within your first 3 months.

Card Highlights
 
  • Make business travel more rewarding. Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within your first 3 months.
  • Additionally, earn a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
  • Settle into your seat sooner with Priority Boarding and enjoy 20% savings on eligible in-flight purchases in the form of a statement credit.
  • Pay no foreign transaction fees when you spend overseas.
  • $0 introductory annual fee for the first year, then $95.
  • Terms and limitations apply
  • See Rates & Fees

> Read our review
Where can you use your points?

There are two ways to use Delta SkyMiles for flights.

Book award flights.

SkyMiles can be used for travel on Delta, Alaska Airlines, and SkyTeam partners including Air France, KLM, Korean Airlines, Aeromexico, Alitalia, China Southern, and Aeroflot. Other partners include Virgin Atlantic, Virgin Australia and Air Tahiti Nui.

The price you pay generally depends on the region you're traveling to, and you can book on Delta.com or by calling Delta (there's no fee for booking over the phone). 

Read our guide to using Delta SkyMiles

Pay with miles.

When shopping on Delta.com, you can use miles to cover some or all of the cost of buying a ticket. Just shop for a flight as if you want to pay cash, and when you get to the payment page, you'll see the option to use miles to cover it. Every 5,000 miles gets you $50 off the price of your ticket. 

Estimated Rewards

Delta SkyMiles has many levels for award prices, and for Economy Class, the lowest price for many domestic flights tends to be 25,000 miles roundtrip. Some shorter flights can be as low as 15,000 miles roundtrip. Flights to Hawaii can be as low as 45,000 miles roundtrip, and those to Europe can be as low as 60,000 miles, or even lower during award sales. 

During the summer, when tickets to Europe are expensive, the 60,000 mile roundtrip Economy Class award can be a good deal, saving you $1,500 or more. Delta has lots of partners to get you around Europe, and even flights from the West Coast can have decent award availability. 

Flights in Business Class to Europe and Asia are also a good value. You can find decent availability on Delta and partner flights for 140,000 miles roundtrip to Europe and 160,000 miles roundtrip to many parts of Asia, getting you thousands of dollars in flight value. Even India is just 140,000 miles roundtrip in Business Class.  

And all Delta awards can be booked as a one way ticket for half the price, which is a great way to use your miles if you're short on what's needed for a full round-trip, or want to use a different airline for your other flight. 

 

Points

Dollars

Intro bonus value

30,000

$300

Points from spending value

84,000

$840

Annual bonus value

0

$0

Baggage fee savings

NA

$50

Foreign transaction fee savings

NA

$30

Other (free nights, etc)

NA

$0

Less annual fee

NA

$0

Total

114,000

$1,220

Reward Rate

2.03%

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Marriott Rewards Premier Visa Signature® Business Credit Card

$1,080

Estimated Travel Rewards

194,000

Estimated Annual Points
Point Transfer : No Free Bag : No
$0 Intro Annual Fee for the first year, then $99
Bonus Offer
Earn 80,000 bonus points after you spend $3,000 on purchases in your first 3 months from account opening.
Card Highlights

The information related to the Marriott Rewards Premier Business Credit Card has been collected by MileCards.com and has not been reviewed or provided by the issuer of this card.

Earn 80,000 bonus points after you spend $3,000 on purchases in your first 3 months from account opening.


You can earn 5 points per $1 spent at over 3,800 Marriott® locations worldwide, including our exclusive luxury hotel partner, The Ritz-Carlton.® You can also earn 2  points per $1 spent at restaurants, car rental agencies, and on airline tickets purchased directly with the airline, as well as  office supply stores, and on internet, cable and phone services purchases. You earn 1 point per $1 spent on all other purchases. 


Your points don't expire as long as you make purchases on your credit card or otherwise remain active in the Marriott Rewards program.


The card offers 15 Credits toward your next Elite membership level every year after your account anniversary and you can earn 1 Elite Credit for every $3,000 spent. You also get 1 Free Night Stay at a Category 1-5 hotel every year after your account anniversary.

Where can you use your points?

You can use Marriott Rewards points for stays at 3,800+ hotels, including Marriott, Courtyard, JW Marriott, Ritz Carlton, Edition, Renaissance, and Springhill Suites.

You can also transfer Marriott Rewards points to American, Delta, Southwest, United and many other airline miles. The conversion rate isn't great - it takes about 3 Marriott points to earn 1 mile, but it's helpful if you need to top off an existing airline mile account.

Points can also be used to book flights on most airlines online, at a rate of about 3 points per dollar of airfare.

Estimated Rewards

We estimate Marriott points are worth $0.007 each, based on 15,000 points for a hotel night in the largest category, Category 3, and an average global hotel rate of $107 (source: Hotels.com). For transfers to airline miles, we value points at $0.005 each, based on 30,000 points = 10,000 Southwest points which are worth $0.0167 each.

Your actual reward savings may vary based on the price in cash you would have paid for a hotel night, and number of points required.

 

Points

Dollars

Intro bonus value

80,000

$400

Points from spending value

114,000

$570

Annual bonus value

0

$0

Baggage fee savings

NA

$0

Foreign transaction fee savings

NA

$30

Free Category 1-4/5 night

NA

$80

Less annual fee

NA

$0

Total

194,000

$1,080

Reward Rate

1.80%

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Apply now Partner Offer

Terms and Restrictions Apply

more detail

$910

Estimated Travel Rewards

91,000

Estimated Annual Points
Point Transfer : Yes Free Bag : No
$0 introductory annual fee for the first year, then $95
Bonus Offer

Earn 25,000 bonus Starpoints® after you use your new Card to make $5,000 in purchases within the first 3 months.
Card Highlights

While Starwood is a hotel program, it's great if you want airline miles because you can transfer your points 1 for 1 to over 20 airline mile programs, including American AAdvantage and Delta SkyMiles. Plus the card comes with these other features:
 

  • Earn 25,000 bonus Starpoints® after you use your new Card to make $5,000 in purchases within the first 3 months.
  • Earn 2 Starpoints® for each dollar of eligible purchases at participating SPG® & Marriott Rewards® hotels. Earn 1 Starpoint® for all other purchases.
  • Redeem Starpoints® for free nights at over 1,300 hotels & resorts in over 100 countries and for free flights on over 150 airlines with SPG Flights. Some hotels and resorts have mandatory service charges.
  • Free, unlimited Boingo Wi-Fi at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
  • No Foreign Transaction Fees on international purchases and $0 introductory annual fee for the first year, then $95.
  • Terms Apply
  • See Rates & Fees
Where can you use your points?

You can use Starwood points for both hotels and flights with good value.

Starwood points can be used for nights at Westin, Sheraton, W, Le Meridien, St. Regis, Four Points, and Aloft hotels. Starwood offers hotel nights for some of the lowest point prices, making them great for earning via credit card spending.

For flights, you have two options:

Transfer points into real airline miles. 

You can transfer your Starwood points into your frequent flier account with over 20 airlines anytime you want. Partner programs that you can transfer to include American AAdvantage, Alaska MileagePlan, and Delta SkyMiles. This lets you add to miles you might have already earned from flying, or take advantage of good deals you can only get if you use real airline miles, especially for first and business class flights.


The transfers can take several days, but savvy travelers like the fact that you get a 5,000 mile bonus for every 20,000 points you transfer.

Use your points to buy tickets

You can use your points to buy flights on the SPG Flights website, which has access to most airlines, though you won't find some like Southwest. The price you pay depends on the price of the flight in cash. For example, a ticket costing between $345 and $410 will cost 30,000 points. Unfortunately you can't pay part in cash and part in points - you need enough points to cover the entire price of the ticket when you book via SPG Flights.
 

Estimated Rewards

We estimate the value of Starpoints at about 2.5 cents per dollar for hotel nights. For example, you can get a hotel that might go for $250 a night for 6,000 points + $110. For flight rewards, we generally assume you transfer miles to American Airlines and get a 5,000 mile bonus for every 20,000 points you transfer.

 

Your actual reward savings may vary based on the price in cash you would have paid for a hotel night, and number of points required.

 

Points

Dollars

Intro bonus value

25,000

$250

Points from spending value

66,000

$660

Annual bonus value

0

$0

Baggage fee savings

NA

$0

Foreign transaction fee savings

NA

$0

Other(free nights, etc)

NA

$0

Less annual fee

NA

$0

Total

91,000

$910

Reward Rate

1.52%

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Apply now Partner Offer

Terms and Restrictions Apply

more detail

$680

Estimated Travel Rewards

60,000

Estimated Annual Points
Points don't expire
as long as card is open
Bonus Offer

Welcome Offer: Earn up to 75,000 Membership Rewards® points.

Card Highlights
 
  • Welcome Offer: Earn up to 75,000 Membership Rewards® points.
  • Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year.
  • You can also receive 35% points back on all First and Business class flights, with all airlines available through American Express Travel.
  • You can enjoy access to The American Express Global Lounge CollectionSM offering access to the most lounges across the globe, when compared with other U.S. credit card offerings. As of 6/2017
  • Terms Apply

> Read our full Business Platinum card review

> Read our guide to using Amex Membership Rewards points
Where can you use your points?

This card earns Amex Membership Rewards points, which you can use two ways for travel:

Transfer your points into real miles with frequent flier programs, including Delta SkyMiles.

The points you transfer from Amex to Delta turn into real SkyMiles, so you can add to the miles you already have and get to your next award faster.  You can also transfer to AeroMexico, Air Canada, Alitalia, All Nippon, British Airways, Cathay Pacific, El Al, Air France / KLM, Frontier, Hawaiian, Iberia, JetBlue, Singapore, Virgin Atlantic, and Virgin America. Here's an illustration of how it works.
 

Transferring to Delta miles is one of the most popular options, but savvy flyers like using Membership Rewards points to take advantage of deals with Singapore KrisFlyer (for Business and First Class awards) and ANA (for some of the cheapest options to Asia). 
 

Use your points to book travel on the American Express website.

This lets you avoid the rules of frequent flier programs. Every 10,000 points is worth $100 in flights, hotels, car rentals, or cruises, and you can book just about any flight or hotel this way. You can also pay with part points, and part cash, so you don't need enough points to cover the whole ticket.

A special perk is that you can designate one airline each year where you get 35% of your points back when you use points to buy a ticket on that airline via American Express Travel. 

So if you buy a $1,000 ticket, that will cost 100,000 points, but you will get 35,000 points back. That's like getting 1.5 cents per point in value. 

And if you buy a first or business class ticket on the Amex site there are no airline restrictions. You can choose any airline and get the 35% rebate, not just your single designated airline. 

Estimated Rewards

Membership Rewards points are best saved for topping off Delta SkyMiles balances you already have or saving for premium international flights using mileage transfer partners like Aeroplan, Air France, or ANA. Beware though that most award flights flown by non-US based partners incur fuel surcharges of hundreds of dollars. You can avoid these by transfering to Delta miles or using Air Canada miles to redeem on United among other options.

For domestic flights that aren't on Delta, British Airways charges as little as 15,000 points roundtrip for short nonstop flights, and American and Alaska are partners of British Airways. The catch is you need to live in a city with a lot of American or Alaska Airlines nonstop flights as British Airways charges extra if your trip involves a connecting flight.

You can also use Amex points for United flights via Air Canada Aeroplan, Singapore KrisFlyer, or ANA Mileage Club. 

 

Points

Dollars

Intro bonus value

0

$0

Points from spending value

60,000

$900

Annual bonus value

0

$0

Baggage fee savings

NA

$0

Foreign transaction fee savings

NA

$30

Annual airline fee credit

NA

$200

Less annual fee

NA

$450

Total

60,000

$680

Reward Rate

1.13%

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United MileagePlus® Club Business Card

$650

Estimated Travel Rewards

102,000

Estimated Annual Points
Points don't expire
as long as card is open
Card Highlights

The information for the this product has been collected independently. The card details for this product have not been reviewed or provided by the card issuer.

 

This card earns 1.5 MileagePlus miles per dollar spent, a 50% bonus over other typical airline credit cards. It also includes full United Club membership, which is up to a $550 annual value. Your first and second checked bags are free for you and a traveling companion, and you'll enjoy Premier Access boarding privileges. United will also waive fees on close-in award bookings (though not change fees) and you'll get special privileges with Hyatt and Avis. 
 

United Club Card review

 

Where can you use your points?

MileagePlus miles can be used for travel on United and its Star Alliance partners, including Air Canada, Lufthansa, ANA, Singapore, Thai, Swiss, Austrian, Asiana, Avianca, Copa and more. 

The price you pay depends on which region you're flying to and from.

You can read our guide to using United MileagePlus miles here.

Estimated Rewards

United miles are best saved for International trips in Economy Class, particularly to Europe where you can get a roundtrip for 60,000 miles. Availability at this mileage price is generally very good thanks to United's Star Alliance partners including Lufthansa and Swiss Airlines. Asia can be reached for 70,000 - 85,000 miles, a decent deal when cash tickets run $1,500 or more.

 

Business Class flights can also be a good use of miles, but generally only if you can find seats on United's own flights at its lowest Saver level price. You can get to Europe for 115,000 miles roundtrip and most of Asia or Australia for 140,000 miles on United flights at the Saver price. The issue is, availability at this price level can be very spotty. Flights on partners in Business Class have better Saver price availability, but are more expensive, with 140,000 miles required for Europe and 160,000 miles for much of Asia.

 

Availability to Hawaii is decent in Economy Class, with United offering more flights to Hawaii than any other airline, though at peak times you may have to pay 62,500 or 80,000 miles instead of the lowest 45,000 mile Saver price. Getting to Central and northern South America is also easy thanks to partners Copa and Avianca / TACA.

 

Run of the mill domestic flights in Economy Class usually aren't a great deal, which is the case with most of the big airlines. You'll probably pay closer to 37,500 miles for your trip if you're not flexible with dates instead of the lowest advertised 25,000 miles.

 

Domestic travel generally isn't a great deal if you're just earning points via credit card spending. Cards that earn Southwest points or bank points cards like the BankAmericard Travel Rewards cards are better suited for that. But if you go to places where tickets usually cost $500 or more like some smaller cities with limited service, or if you buy last minute tickets, then saving United miles for these trips can be a good deal. Long flights across the country in First Class can also be a good deal at 50,000 miles if you can find dates at the Saver level instead of paying $1,500 or more in cash.

 

Points

Dollars

Intro bonus value

0

$0

Points from spending value

102,000

$1,020

Annual bonus value

0

$0

Baggage fee savings

NA

$50

Foreign transaction fee savings

NA

$30

Other (free nights, etc)

NA

$0

Less annual fee

NA

$450

Total

102,000

$650

Reward Rate

1.08%

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Hawaiian Airlines® Business MasterCard®

$0

Estimated Travel Rewards

145,000

Estimated Annual Points
Bonus Offer

Earn 35,000 bonus miles with first purchase

Card Highlights
  • Earn 2X miles on direct purchases from Hawaiian Airlines
  • Earn 1X miles on all other purchases
  • Earn up to 10X miles at participating partners
  • No limit on total miles you can earn
  • No foreign transaction fees on purchases
  • ShareMiles allows you to receive HawaiianMiles from family and friends online
  • Earn up to 40,000 annual bonus miles based on your annual purchases
  • One-time 50% off companion discount for roundtrip coach travel between Hawaii and North America
  • $100 inflight purchase for Pualani Platinum and Pualani Gold Members
Where can you use your points?

You can use your HawaiianMiles on all Hawaiian Airlines flights. Hawaiian serves San Francisco, San Jose, Oakland, Los Angeles, San Diego, Las Vegas, Portland, Seattle, Phoenix, and New York so if you live near those airports and plan to fly to Hawaii you can consider this card. It's tougher to get full value out of this card if you don't live near those airports.

 

You can also use your miles on partners like American Airlines, JetBlue, Virgin America, and Virgin Atlantic, but the redemption rates on these airlines are all worse than if you earned miles in their own programs. So HawaiianMiles are most useful if you plan to travel to Hawaii on Hawaiian's own flights. 

Estimated Rewards

You can book a roundtrip to or from Hawaii for 40,000 miles at the SuperSaver level and 60,000 miles at the Saver level, or 80,000 miles at the 'Flex' level. First Class awards are 80,000 miles at the Saver level and 160,000 miles at the Flex level, with upgrades for 50,000 miles round-trip or 100,000 miles for the Flex level.  

 

Points

Dollars

Intro bonus value

35,000

$0

Points from spending value

90,000

$0

Annual bonus value

20000

$0

Baggage fee savings

NA

$50

Foreign transaction fee savings

NA

$30

Other (free nights, etc)

NA

$0

Less annual fee

NA

$89

Total

145,000

$0

Reward Rate

-0.02%

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Club Carlson Business Rewards Visa Signature® Card

$0

Estimated Travel Rewards

455,000

Estimated Annual Points
Bonus Offer

85,000 Bonus Gold Points to start - Receive 50,000 Gold Points after your first purchase. Plus 35,000 points once you spend $2,500 on your card within the first 90 days

Card Highlights
  • 10 points per $1 spent in eligible net purchases at participating Carlson Rezidor hotels worldwide
  • 5 points per $1 spent in eligible net purchases everywhere else
  • 85,000 Bonus Gold Points to start - Receive 50,000 Gold Points after your first purchase. Plus 35,000 points once you spend $2,500 on your card within the first 90 days
  • Club Carlson Gold Status is yours after you activate and use your card
Where can you use your points?


You can use your points to book hotel nights on the Club Carlson website or by calling the Carlson call center.

Hotels brands you can book with your points include Country Inn & Suites, Park Inn, Park Plaza, Quorvus, Radisson, Radisson Blu, and Radisson Red. 

 

Estimated Rewards
We value Club Carlson points at about 0.4 cents each. This factors a base value of 0.4 cents each, based on 28,000 points for a Category 3 hotel vs an average hotel room rate of $107. 

Your actual value may vary based on the price in cash you would have paid for a hotel night and the cost in points of your stay.

 

Points

Dollars

Intro bonus value

85,000

$0

Points from spending value

330,000

$0

Annual bonus value

40000

$0

Baggage fee savings

NA

$0

Foreign transaction fee savings

NA

$0

Other (free nights, etc)

NA

$0

Less annual fee

NA

$60

Total

455,000

$0

Reward Rate

-0.10%

Have your own value per point?

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