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Alaska Airlines Visa® Business credit card review

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A good business travel card if you’re loyal to Alaska Airlines.

  • Get this card if your business frequently flies with Alaska Airlines or Virgin America.
  • Pick something else if you want cash back or no annual fees.
  • Apply for this card with a good to excellent credit score of 670 or higher.

40,000

Miles as welcome offer

Up to 3x

Miles

$50

Annual fee

15.99% to 23.99%

Purchase APR (variable)

Details

Product NameAlaska Airlines Visa® Business credit card
Card typeVisa
Annual fee$50
Purchase APR15.99% to 23.99% variable
Balance transfer APR15.99% to 23.99% variable
Balance transfer fee$10 or 4% of the transaction, whichever is greater
Cash advance rate24.24% variable
Cash advance fee$10 or 4% of the cash advance amount, whichever is greater
Foreign transaction feeNone
Interest free periodUp to 25 days
Late payment feeUp to $49
Late payment fee conditions$19 if balance less than or equal to $100; $29 if $100.01 - $1,000; $39 if $1,000.01 - $5,000; $49 if greater than $5,000.
Returned payment fee$39
Additional cardholder fee$25

Expert review

Megan Horner

Review by


Megan Horner is the credit cards publisher at Finder. She's passionate about helping you find the best credit cards to meet your financial needs — whether that's earning great rewards or improving your credit score. Megan's expertise has been spotlighted on Lifehacker, CreditCards.com, American Banker and featured on news broadcasts across the country.

Expert review

The Alaska Airlines Visa® Business credit card comes with a rewards program where you earn 3x miles with Alaska Airlines and 1x miles on all other purchases. In addition, you get to earn 40,000 miles and a companion fare from $121. The companion fare is a feature you get every year on your card anniversary.

On the downside, you don’t get a 0% intro APR period on purchases and balance transfers, and you’ll have to pay an annual fee of $50 for the company and $25 for each card you have. But this is easily offset by the companion fare you get each year.

Overall, this is a solid credit card for those who frequently fly with Alaska Airlines or their partners.

How to apply for the Alaska Airlines Visa® Business credit card

  1. Go to the Bank of America site and select the Alaska Airlines Visa® Business credit card. Click Apply now.
  2. Complete the application with details about you, your business and any employees you authorize to use your card.
  3. Review and submit your application.

What credit score do I need?

You’ll have better chances of approval if you apply with a good to excellent credit score of 670 or higher.

Card benefits

  • Earn miles.
    Earn 3x miles with Alaska and 1x everywhere else. You can redeem your Alaska miles on Alaska flights and partner flights, book hotels or get a first class upgrade on your flight.
  • Signup bonus.
    Earn 40,000 miles, a $200 statement credit and an Alaska companion fare after you spend $2,000 within the first 90 days your account is open.
  • Alaska’s Famous Companion Fare.
    Each year on your account anniversary, you’ll earn another of Alaska’s Famous Companion Fares. Just book your flight through Alaska’s site and invite family or friends to travel along with fares starting at $121 — with no blackout dates.
  • Alaska Airlines perks.
    Save money when traveling with Alaska with a complimentary checked bag for you and up to six companions on the same reservation. That’s a savings of between $60 and $140 per person on a round-trip flight. You also get 50% discount on Alaska Lounge day passes and 20% off on your in-flight purchases.
  • Tools to monitor and limit employee spending.
    Set individual spending limits for each employee card on your account. You’re also protected against unauthorized purchases on those cards. And through Bank of America’s MyReport Center, you can keep an eye on overall company spending, accessing reports to analyze transactions.
  • Travel and emergency services.
    Your business is protected for up to $1 million in travel and car rental insurance on reservations charged to your card, including emergency ticket replacement and lost luggage assistance.

What to watch out for

  • Annual fee.
    You’ll pay a $50 company fee and $25 for each card annually.
  • No intro APR period.
    Unfortunately, you don’t get a 0% intro APR period on balance transfers or purchases. If this is a perk you value, consider a balance transfer business credit card.

How to earn Alaska Airlines miles

There are many ways to earn Alaska Airlines miles aside from using a cobranded credit card, such as:

  • Flying Alaska Airlines
  • Flying with partner airlines
  • Dining with the Alaska dining program
  • Booking with partner hotels
  • Car rentals with partners
  • Shopping with the Alaska shopping program
  • Refer-a-Friend

How to redeem Alaska Airlines miles

You can redeem Alaska Airlines miles on Alaska flights, as well as flights on partner airlines, to book hotel stays or upgrade to first class. You’ll get the highest value for your miles if you redeem for Alaska flights.

Who should get this card

Business owners or employees that often fly Alaska Airlines and occasionally fly with partner airlines should definitely consider this card. For a small annual fee, you get multiple Alaska Airlines benefits and you can save money on Alaska flights.

What customers say about the Alaska Airlines Visa® Business credit card

The Alaska Airlines Visa® Business credit card doesn’t have any online reviews. But the issuing bank does.

Bank of America earned a Trustpilot score of 1.3 out of 5 at the time of this writing. Most negative reviews cite unhelpful customer support. Positive reviews often point to the bank’s easy-to-use website.

Bank of America also earns an A+ rating from the Better Business Bureau as of November 2020 and has been accredited since 1949.

Alternatives to Alaska Airlines Visa® Business credit card

Even if you often fly Alaska Airlines, there are other cards that could be another choice worth considering. For example, you could go for:

  • American Airlines cobranded card. Business owners who often fly American Airlines and Alaska Airlines could use one of these cards. With an American Airlines card, you can redeem your miles on Alaska Airlines flights or on other partner airlines.
  • Marriott hotel card. You can transfer points earned with a Marriott credit card to travel partners including Alaska Airlines. This can be a great option if you’re loyal to Marriott hotels and you fly often with Alaska Airlines.
  • General travel cards. With a general travel credit card you don’t have to transfer points to miles because you can directly use your points to redeem flights.

Compare business credit cards

Business owners who don’t travel as much could use a business credit card with rewards on other categories, such as office supplies or gas.

Data indicated here is updated regularly
Name Product Rewards Purchase APR Annual fee
Ink Business Preferred® Credit Card
3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases
15.99% to 20.99% variable
$95
100,000 bonus points after you spend $15,000 on purchases in the first 3 months after account opening. That's $1,250 toward travel rewards when you redeem through Chase Ultimate Rewards&reg
Ink Business Cash℠ Credit Card
5% at office supply stores, on Internet, cable and phone up to $25,000 combined annually (then 1%), 2% on gas and dining up to $25,000 combined annually then 1% after that and on all other purchases
0% intro for the first 12 months (then 13.24% to 19.24% variable)
$0
$750 bonus cash back after you spend $7,500 in the first 3 months.
Ink Business Unlimited℠ Credit Card
1.5% cash back on all purchases
0% intro for the first 12 months (then 13.24% to 19.24% variable)
$0
$750 bonus cash back after you spend $7,500 on purchases in the first 3 months after account opening.
United℠ Business Card
Earn 2 miles per $1 spent on United purchases, at gas stations, office supply stores, restaurants (including eligible delivery services), and on local transit and commuting. Earn 1 mile per $1 spent on all other purchases.
16.49% to 23.49% variable
$0 intro annual fee for the first year ($99 thereafter)
Earn 60,000 bonus miles after $3,000 in purchases within the first 3 months of account opening. Plus, get a $0 intro annual fee for the first year, then $99.
Universal Premium Mastercard®
3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network
27.24% variable
Up to $120
Earn 3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network.
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Bottom line

If your business flies frequently with Alaska Airlines, you can earn miles on your flights and you can get additional benefits like free checked bags and a companion fare each year on your card anniversary.

If you prefer other airlines or more flexible travel perks, you might want to compare your options in our guide to travel rewards credit cards.

Frequently asked questions

Images: bankofamerica.com

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