The New United℠ Business Card
Annual fee
$150
Our valuation
$1,320
Milesopedia first-year estimateFirst-year valueWelcome bonus$1,320Total$1,320Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
110,000 miles
Apply Now

on Chase's website

Features
Issuer
Chase
Network
Fees and terms
Annual Fee
$150/yr
Min. annual income
Interest rates
Foreign transaction fee
0 %

Issuer terms

  • Earn up to 110,000 bonus miles and 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open.
  • $150 Annual Fee.
  • NEW! 8x total miles on eligible United flights.
  • 2x miles on all other eligible United® purchases. 2x miles on dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
  • 1x mile on all other purchases. Plus, employee cards at no additional cost – miles earned from their purchases accrue in your account so you can earn rewards faster.
  • Receive a 5,000-mile “better together” bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
  • Enjoy a free first checked bag – a savings of up to $200 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
  • NEW! Save 10% or more when booking flights with miles. Premier members save even more.
  • Member FDIC
Read full review
Rewards
Rate
Gas & EV
2x
Restaurants
2x
Transit
2x
Office
2x
United flights
2x
Benefits
Airport lounges
2 visits/yr
Annual credit
$125/yr
Concierge
Included
Travel insurance
Coverage
Trip Cancellation
$1,500
Trip Interruption
$1,500
Delayed Baggage
$300
Lost Baggage
$3,000
Flight Delay
$500
Travel Accident
$500,000
Purchase protection
Coverage
Purchase Protection
$10,000 · 120 days
Extended Warranty
+1 year
Auto Rental Collision (secondary, primary for business rentals, primary abroad)
$60,000 · 31 days
Read full review

Pros

  • Welcome bonus of 110,000 miles
  • 2x at restaurants

Cons

  • Fewer premium perks

Optimize Your United Flying with The New United℠ Business Card

  • Up to 110,000 bonus miles + 2,000 Premier Qualifying Points after $5,000 in purchases within 3 months
  • 2X miles on United flights, dining (incl. delivery), gas stations, office supplies and local transit
  • 1X mile on all other purchases
  • Free first checked bag for you and a companion on United flights
  • Two United Club one-time passes each year
  • Priority boarding for you and your traveling party
  • $125 United travel credit after five $100 United flight purchases per calendar year
  • Employee cards at no additional cost, with miles pooled into your account
  • No foreign transaction fees
  • $150 annual fee

Perfect for small‑business owners who fly United often, this card combines generous bonus miles, valuable travel perks and seamless account management via the Chase app. Elevate every trip with complimentary credits, lounge access and priority services tailored to your needs.

Terms apply. Bonus miles and PQP require qualifying spend. Travel credit applies after flight purchases. See full terms for details.

Read full review
Hawaiian Airlines® World Elite Business Mastercard®
Annual fee
$99
Our valuation
$1,240
Milesopedia first-year estimateFirst-year valueWelcome bonus$1,240Total$1,240Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
80,000 points
Features
Issuer
Barclays
Network
Program
Atmos Rewards
Fees and terms
Annual Fee
$99/yr
Min. annual income
Interest rates
Foreign transaction fee
0 %
Read full review
Rewards
Rate
Alaska and Hawaiian flights
3x
Gas & EV
2x
Restaurants
2x
Office
2x
Read full review
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
Annual fee
$99
Our valuation
$1,160
Milesopedia first-year estimateFirst-year valueWelcome bonus$1,160Total$1,160Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
80,000 miles
Apply Now

on Citibank's website

Features
Issuer
Citibank
Network
Program
AAdvantage
Fees and terms
Annual Fee
$99/yr
Min. annual income

Issuer terms

  • Earn 80,000 American Airlines AAdvantage bonus miles after spending $3,500 in purchases within the first 4 months of account opening.
  • Earn 2 AAdvantage miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases
  • Earn 1 Loyalty Point for every 1 eligible AAdvantage mile earned from purchases
  • No Foreign Transaction Fees
  • 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 flights
Read full review
Rewards
Rate
Gas & EV
2x
Restaurants
2x
Read full review

Pros

  • Welcome bonus of 80,000 miles
  • 2x at restaurants

Cons

  • Fewer premium perks

Unlock Premier American Airlines Benefits with the Citi® AAdvantage® Platinum Select® World Elite Mastercard®

  • 80,000 bonus miles after you spend $3,500 in the first 4 months
  • 2X AAdvantage® miles per $1 on American Airlines purchases, dining and gas
  • 1X mile per $1 on all other spending
  • First checked bag free for you and up to four companions on domestic AA flights
  • Preferred boarding on American Airlines flights
  • 25% savings on in‑flight food and beverages
  • No foreign transaction fees
  • $99 annual fee (waived first year)

Whether you’re a frequent flyer or planning occasional getaways, this card accelerates your AAdvantage® earnings on every swipe and trims travel costs with free bags and priority boarding. Enjoy a generous sign‑up bonus to boost your mileage balance, plus ongoing benefits that make every American Airlines trip smoother. Manage your miles and perks seamlessly in the Citi Mobile® app and start unlocking premium AA advantages today.

Annual fee $99 (waived first year). Foreign transaction fee: 3%. See issuer for full terms and details.

Read full review
Southwest Rapid Rewards® Performance Business Credit Card
Annual fee
$299
Our valuation
$1,000
Milesopedia first-year estimateFirst-year valueWelcome bonus$1,000Total$1,000Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
80,000 points
Apply Now

on Chase's website

Features
Issuer
Chase
Network
Program
Southwest Rapid Rewards
Fees and terms
Annual Fee
$299/yr
Min. annual income
Interest rates
Foreign transaction fee
0 %

Issuer terms

  • Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
  • 9,000 bonus points after your Cardmember anniversary.
  • 4X points on Southwest® purchases.
  • 3X points on Rapid Rewards® hotel & car rental partners.
  • 2X points on rideshare.
  • 2X points on social media & search engine advertising, internet, cable, & phone services.
  • 1X points on all other purchases.
  • 4 Upgraded Boardings per year when available.
  • Member FDIC
Read full review
Rewards
Rate
Southwest flights
4x
Gas & EV
2x
Restaurants
2x
Transit
2x
Benefits
NEXUS
$120
Read full review

Pros

  • Welcome bonus of 80,000 points
  • 2x at restaurants

Cons

  • High annual fee ($299)

Elevate Your Business Travel with the Southwest Rapid Rewards® Performance Business Card

  • 80,000 bonus points after you spend $5,000 on purchases in the first 3 months
  • 9,000 anniversary points each year after your cardmember anniversary
  • 4X points per $1 on Southwest® purchases
  • 3X points per $1 on Rapid Rewards® hotel and car rental partner purchases
  • 2X points per $1 on local transit & rideshare
  • 2X points per $1 on social media & search engine advertising, internet, cable & phone services
  • 1X point per $1 on all other purchases
  • 4 upgraded boardings per year when available
  • No foreign transaction fees
  • $199 annual fee

Designed for entrepreneurs who fly Southwest frequently, this card turns routine business expenses into Rapid Rewards points faster. Unlock a generous welcome bonus, enjoy annual anniversary points to boost your balance, and accelerate earnings on flights, hotel stays, advertising and more. With perks like upgraded boarding and no foreign transaction fees, you’ll travel smarter and save on additional charges. Manage your account, book flights and redeem rewards seamlessly through the Southwest app or online portal.

Terms apply. Welcome bonus requires $5,000 spend in the first 3 months. Upgraded boardings subject to availability. See issuer for complete details and enrollment requirements.

Read full review
Atmos™ Rewards Summit Visa Infinite® Credit Card
Annual fee
$395
Our valuation
$1,240
Milesopedia first-year estimateFirst-year valueWelcome bonus$1,240Total$1,240Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
80,000 points
Features
Issuer
Bank of America
Network
Program
Atmos Rewards
Fees and terms
Annual Fee
$395/yr
Min. annual income
Interest rates
Foreign transaction fee
0 %

Issuer terms

  • Limited-time online offer: 80,000 bonus points!
  • Earn 80,000 bonus points and a 25,000-point Global Companion Award with this offer. To qualify, spend $4,000 or more on purchases within the first 90 days of opening your account.
  • Each account anniversary, get a 25,000-point Global Companion Award for a travel companion on the same itinerary, when booking travel using your Atmos™ Rewards points.
  • Additionally, receive a 100,000-point Global Companion Award annually after spending $60,000 or more on purchases each anniversary year.
  • Receive 8 Alaska lounge passes each year (2 per calendar quarter)
  • Earn unlimited 3 points for every $1 spent on eligible dining, foreign transaction, Alaska Airlines and Hawaiian Airlines purchases and unlimited 1 point per $1 spent on all other purchases. Plus, earn a 10% rewards bonus on all points earned from card purchases if you have an eligible Bank of America® account.
  • Fastest path to status: get 10,000 status points every year on your account anniversary and earn 1 status point for every $2 spent on purchases.
  • Free checked bag on Alaska Airlines and Hawaiian Airlines and enjoy preferred boarding on Alaska Airlines, for you and up to 6 guests on the same reservation, when you pay for your flight with your card.
  • Up to $120 Airport Security Credit every four years in connection with the TSA PreCheck® or Global Entry trusted traveler programs.
  • Receive a $50 voucher for Alaska Airlines flight cancellations or departure delays of 2 hours+, and pay no change fee when you need to make a same-day change to your Alaska Airlines flight plans.
  • Plus, no foreign transaction fees and a competitive $395 annual fee.
  • This online only offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Read full review
Rewards
Rate
Restaurants
3x
Read full review
The New United Club℠ Card
Annual fee
$695
Our valuation
$960
Milesopedia first-year estimateFirst-year valueWelcome bonus$960Total$960Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
80,000 miles
Apply Now

on Chase's website

Features
Issuer
Chase
Network
Fees and terms
Annual Fee
$695/yr
Min. annual income
Interest rates
Foreign transaction fee
0 %

Issuer terms

  • Earn 80,000 bonus miles.
  • 4x miles on United® purchases.
  • 2x miles on dining and all other travel.
  • 1x mile on all other purchases.
  • United ClubSM card membership (at least a $750 value).
  • Free first and second checked bags (terms apply) and Premier Access® travel services.
  • 10,000-mile award flight discount after $20,000 in purchases (up to 2x per calendar year).
  • Member FDIC
Read full review
Rewards
Rate
United flights
5x
Restaurants
2x
Transit
2x
Travel
2x
Benefits
Airport lounges
Included
NEXUS
$120
Concierge
Included
Travel insurance
Coverage
Trip Cancellation
$10,000
Trip Interruption
$10,000
Delayed Baggage
$300
Lost Baggage
$3,000
Flight Delay
$500
Travel Accident
$500,000
Purchase protection
Coverage
Purchase Protection
$10,000 · 120 days
Extended Warranty
+1 year
Auto Rental Collision (primary)
$60,000 · 31 days
Read full review

Pros

  • Welcome bonus of 80,000 miles
  • 2x at restaurants

Cons

  • High annual fee ($695)

Elevate Every Journey with The United Club℠ Infinite Card

  • 80,000 bonus miles after $5,000 in purchases within 3 months
  • 4X miles per $1 on United purchases
  • 2X miles per $1 on dining and all other travel
  • 1X mile per $1 on all other purchases
  • Complimentary United Club℠ membership for you and eligible guests
  • Free first and second checked bags for you and a companion on United flights
  • Premier Access℠ airport services, including priority boarding
  • Up to $120 Global Entry or TSA PreCheck® credit every four years
  • 25% back on in‑flight purchases
  • Up to two 10,000‑mile award flight discounts each year
  • No foreign transaction fees
  • $695 annual fee

Ideal for frequent United flyers, this premium card transforms travel into a seamless experience. Earn accelerated miles on every United purchase and enhance your airport journey with lounge access, priority services and complimentary bags. Annual credits and award discounts help offset the fee, while robust travel protections and intuitive online tools keep you covered and in control. Make every trip more rewarding and comfortable.

Terms apply. Bonus miles, credits and benefits require qualifying purchases. Annual fee applies. See issuer for complete details.

Read full review
Iberia Visa Signature®
Annual fee
$95
Our valuation
$1,050
Milesopedia first-year estimateFirst-year valueWelcome bonus$1,050Total$1,050Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
75,000 points
Apply Now

on Chase's website

Features
Issuer
Chase
Network
Program
Avios
Fees and terms
Annual Fee
$95/yr
Min. annual income
Interest rates
Foreign transaction fee
0 %

Issuer terms

  • Earn 75,000 Avios after you spend $5,000 on purchases within the first 3 months from account opening.
  • Earn 5 Avios per $1 spent on purchases with Iberia, British Airways, Aer Lingus, and LEVEL within your first 18 months from account opening, thereafter earn 3 Avios.
  • Earn 3 Avios per $1 spent on hotel accommodations when purchased directly with the hotel within your first 18 months from account opening, thereafter earn 2 Avios. Plus earn 1 Avios per $1 spent on all other purchases.
  • Save 10% on Iberia flights purchased on iberia.com/Chase10.
  • Earn a discount voucher of $1,000 to use toward two tickets on the same flight for each year you make purchases of $30,000 on your card
  • Pay no foreign transaction fees when you travel abroad.
  • Simply tap to pay with your contactless Iberia Visa Signature Card. Just look for the contactless symbol at checkout. It’s fast, easy and secure!
Read full review
Rewards
Rate
British Airways, Aer Lingus and Iberia flights
3x
Travel insurance
Coverage
Delayed Baggage
$300
Lost Baggage
$3,000
Travel Accident
$500,000
Purchase protection
Coverage
Purchase Protection
$500 · 120 days
Extended Warranty
+1 year
Auto Rental Collision (secondary, primary abroad)
$60,000 · 31 days
Read full review

Pros

  • Welcome bonus of 75,000 points

Cons

  • Fewer premium perks

Unlock Premier Avios Rewards with the Iberia Visa Signature® Card

  • 75,000 bonus Avios after spending $5,000 in the first three months
  • 3 Avios per $1 on Iberia, British Airways, Aer Lingus and LEVEL purchases
  • 2 Avios per $1 on hotel stays booked directly with the property
  • 1 Avios per $1 on all other purchases
  • 10% off Iberia flights booked at iberia.com/Chase10
  • $1,000 discount voucher toward two tickets after $30,000 in annual spending
  • No foreign transaction fees on purchases abroad
  • $95 annual fee

Whether you’re jetting off to Spain or exploring the world, this card turns everyday spending into Avios that unlock award flights, upgrades and companion savings. Enjoy contactless checkout, travel protections and exclusive airline discounts that make your journeys more rewarding.

Terms apply. $95 annual fee. Bonus Avios require $5,000 spend in 3 months. Flight discounts and voucher subject to terms. See issuer for details.

Read full review
Aer Lingus Visa Signature®
Annual fee
$95
Our valuation
$1,050
Milesopedia first-year estimateFirst-year valueWelcome bonus$1,050Total$1,050Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
75,000 points
Apply Now

on Chase's website

Features
Issuer
Chase
Network
Program
Avios
Fees and terms
Annual Fee
$95/yr
Min. annual income
Interest rates
Foreign transaction fee
0 %

Issuer terms

  • Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening.
  • Earn 5 Avios per $1 spent on purchases with Aer Lingus, British Airways, Iberia, and LEVEL within your first 18 months from account opening, thereafter earn 3 Avios.
  • Earn 3 Avios per $1 spent on hotel accommodations when purchased directly with the hotel within your first 18 months from account opening, thereafter earn 2 Avios. Plus earn 1 Avios per $1 spent on all other purchases.
  • Every calendar year you make purchases of $30,000 on your Aer Lingus Visa Signature Card, you’ll receive a Commercial Companion Ticket good for 12 months.
  • You and any authorized users on your account are eligible for Priority Boarding on Aer Lingus flights departing from and returning to the US from Ireland.
  • Pay no foreign transaction fees when you travel abroad.
  • Simply tap to pay with your contactless Aer Lingus Visa Signature Card. Just look for the contactless symbol at checkout. It’s fast, easy and secure!
Read full review
Rewards
Rate
British Airways, Aer Lingus and Iberia flights
3x
Travel insurance
Coverage
Delayed Baggage
$300
Lost Baggage
$3,000
Travel Accident
$500,000
Purchase protection
Coverage
Purchase Protection
$500 · 120 days
Extended Warranty
+1 year
Auto Rental Collision (secondary, primary abroad)
$60,000 · 31 days
Read full review

Pros

  • Welcome bonus of 75,000 points

Cons

  • Fewer premium perks

Experience Avios Rewards & Companion Perks with the Aer Lingus Visa Signature® Card

  • 75,000 bonus Avios after spending $5,000 in the first 3 months
  • 3 Avios per $1 on Aer Lingus, British Airways, Iberia & LEVEL purchases
  • 2 Avios per $1 on hotel stays booked directly with the hotel
  • 1 Avios per $1 on all other purchases
  • Annual companion ticket after $30,000 in calendar-year spend
  • No foreign transaction fees
  • Priority boarding on U.S.–Ireland/UK flights for you & authorized users
  • Travel protections: baggage delay & lost/damage coverage

Whether you’re hopping across the Atlantic or exploring Europe’s skies, this card makes every dollar count toward your next adventure. Unlock generous Avios earnings on flights and hotels, plus enjoy the comfort of a companion ticket and priority boarding. Manage your account effortlessly through the Chase mobile app and tap to pay with secure contactless technology.

Terms apply. Annual fee $95. See issuer for full details.

Read full review
British Airways Visa Signature® Card
Annual fee
$95
Our valuation
$1,050
Milesopedia first-year estimateFirst-year valueWelcome bonus$1,050Total$1,050Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
75,000 points
Apply Now

on Chase's website

Features
Issuer
Chase
Network
Program
Avios
Fees and terms
Annual Fee
$95/yr
Min. annual income
Interest rates
Foreign transaction fee
0 %

Issuer terms

  • Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening.
  • Earn 3 Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and LEVEL.
  • Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel.
  • 10% off British Airways flights starting in the US when you book through the website provided in your welcome materials.
  • Every calendar year you make $30,000 in purchases on your British Airways Visa card, you’ll earn a Travel Together Ticket good for two years.
  • Pay no foreign transaction fees when you travel abroad.
  • Simply tap to pay with your contactless British Airways Visa Signature Card. Just look for the contactless symbol at checkout. It’s fast, easy and secure!
  • Member FDIC
Read full review
Rewards
Rate
British Airways, Aer Lingus and Iberia flights
3x
Travel insurance
Coverage
Delayed Baggage
$300
Lost Baggage
$3,000
Travel Accident
$500,000
Purchase protection
Coverage
Purchase Protection
$500 · 120 days
Extended Warranty
+1 year
Auto Rental Collision (secondary, primary abroad)
$60,000 · 31 days
Read full review

Pros

  • Welcome bonus of 75,000 points

Cons

  • Fewer premium perks

Unlock Premium Travel Benefits with the British Airways Visa Signature® Card

Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening!

The British Airways Visa Signature® Card delivers exceptional value for international travelers. With this card, you’ll enjoy:

  • 3 Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and LEVEL
  • 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel
  • 10% off British Airways flights starting in the US when booked through the dedicated website
  • Travel Together Ticket after spending $30,000 in a calendar year, good for two years
  • No foreign transaction fees when traveling abroad
  • Contactless payment technology for fast, easy and secure transactions
Read full review
Atmos™ Rewards Visa Signature® Business Card
Annual fee
$70
Our valuation
$1,085
Milesopedia first-year estimateFirst-year valueWelcome bonus$1,085Total$1,085Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
70,000 points
Apply Now

on Bank of America's website

Features
Issuer
Bank of America
Network
Program
Atmos Rewards
Fees and terms
Annual Fee
$70/yr
Additional card
$25
Min. annual income
Interest rates
Foreign transaction fee
0 %

Issuer terms

  • Get 70,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after you make $4,000 or more in purchases within the first 90 days of opening your account.
  • Earn another Companion Fare ($99 fare plus taxes and fees from $23) each account anniversary after spending $6,000 or more on purchases within the prior anniversary year.
  • Free checked bag for any cardholder and up to 6 guests on the same reservation, when you pay for your flight with your card — that’s a $70 savings per person roundtrip!
  • Preferred boarding for any cardholder when you pay for your Alaska Airlines or Hawaiian Airlines flight with an Atmos Rewards Business Card.
  • Earn:
    • 3 points per $1 spent on eligible Alaska Airlines and Hawaiian Airlines purchases.
    • 2 points per $1 spent on eligible gas, EV charging station, shipping and local transit (including rideshare) purchases.
    • 1 point per $1 spent on all other purchases.
  • Earn a 10% rewards bonus on all points earned from card purchases if your company has an eligible Bank of America® business account.
  • Enjoy 20% back on Alaska Airlines and Hawaiian Airlines inflight purchases when you pay with your Atmos Rewards Business Card.
  • Get $100 off an annual Alaska Lounge+ Membership purchased with your Atmos Rewards Business Card.
  • Plus, no international transaction fees and a low annual fee of $70 for the company and $25 per card.

This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Read full review
Rewards
Rate
Gas & EV
2x
Transit
2x
Read full review

Complete Guide

Best Airline Credit Cards in the US

Earn miles for free flights, free checked bags, and priority boarding. Compare Delta Reserve, United Club Infinite, AA Executive, and more.

Airline credit cards earn miles in a specific program and offer perks like free checked bags, priority boarding, and companion certificates.

Top Picks

The Delta Reserve ($650/yr) offers unlimited Sky Club access and Centurion Lounge access. The United Club Infinite ($525/yr) gives United Club access and 4x on United purchases. The Citi AA Executive ($595/yr) provides Admirals Club access for your entire family.

Free Bag Value

A free checked bag saves $35-70 per round trip. If you fly 4+ times per year, bag savings alone can justify most airline card fees.

37

Cards analyzed

Sep 2026

Last updated

100%

Independent

Our Methodology

Every card is evaluated across 100+ criteria. We calculate first-year value by combining the welcome bonus, estimated rewards on typical American spending patterns, and subtracting the annual fee. This objective score determines our ranking.

📊Real data
🔄Updated regularly
⚖️Unbiased review
🎯Transparent criteria

FAQ

Frequently Asked Questions

1Should I get an airline card or a flexible travel card?

If you fly one airline 4+ times/year, the co-branded card's free bags and lounge access are worthwhile. For multi-airline travelers, Chase UR or Amex MR are more versatile.

2Delta vs United vs American -- which card?

Delta: best lounge access (Sky Club + Centurion). United: best transfer partner value (via Chase UR). American: best for oneworld alliance and Admirals Club family access.

Find your perfect card

Compare the best credit cards in the US and choose the one that fits your lifestyle.