The Alaska Airlines Business credit card offers a robust rewards program tailored for business travelers, featuring 50,000 bonus miles and a companion fare offer after qualifying purchases. Cardholders earn miles on various purchases, with enhanced earnings on Alaska Airlines expenses. Additional benefits include a free checked bag, priority boarding for the cardholder and guests, and a 20% rebate on in-flight purchases. The card also provides an annual companion fare and discounts on Alaska Lounge+ Membership. The annual fee is $70 per company and $25 per card, with variable APR rates based on creditworthiness.
Key Features
- 50,000 Bonus Miles and Companion Fare Offer. Earn 50,000 bonus miles and a companion fare for $99 plus taxes after spending $3,000 in the first 90 days.
- Annual Companion Fare. Receive an annual companion fare each anniversary after spending $6,000 on purchases in the previous year.
- Mileage Earning Rates. Earn 3 miles per $1 on Alaska Airlines purchases, 2 miles per $1 on gas, EV charging, shipping, and transit, and 1 mile per $1 on other purchases.
- Free Checked Bag and Priority Boarding. Cardholders and up to 6 guests on the same reservation get a free checked bag and priority boarding.
Pros and Cons
Pros
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Inflight Purchase Rebate. Enjoy a 20% rebate on in-flight food, beverages, and Wi-Fi when using the card.
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Alaska Lounge+ Membership Discount. Get $100 off an annual Alaska Lounge+ Membership when purchased with the card.
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Flexible Redemption Options. Redeem miles with oneworld® Alliance member airlines and Alaska’s Global Partners, with no blackout dates on Alaska Airlines flights.
Cons
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Annual Fee. The card charges $70 per company and $25 per card, which may be a drawback for businesses looking to minimize expenses.
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High APR. With a variable APR ranging from 21.24% to 29.24%, carrying a balance on the card can become costly.
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Spending Requirement for Bonuses. The initial bonus and annual companion fare require significant spending, which might not be achievable for all businesses.
How to Apply for an Alaska Airlines Business Credit Card
Online
Go to website
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Explore Credit Card Options. Browse through the available credit card options to find the Alaska Airlines Business Credit Card. Click on the card to access more details.
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Review Card Details. Take your time to review the features, benefits, and terms of the Alaska Airlines Business Credit Card to ensure it meets your needs.
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Initiate Application. Look for the "Apply Now" button to start the application process. Click on it to proceed.
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Fill Out Application Form. Complete the online application form with accurate personal, financial, and contact information as required. Ensure all fields are filled correctly.
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Submit Application. After filling out the form, review the information provided to avoid any errors. Once satisfied, submit your application.
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Wait for Approval. After submission, the bank will review your application. You may receive an instant decision or have to wait a few days for a response.
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Receive Card. If approved, your Alaska Airlines Business Credit Card will be mailed to the address provided during the application process.
Mobile App
Go to AppStore
Go to Google Play
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Log In or Register. Open the Bank of America mobile app and log in to your existing online banking account. If you're a new user, you may need to register for mobile banking by providing your account details and creating login credentials.
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Navigate to Credit Cards. Once logged in, navigate to the section of the app dedicated to credit cards or banking products. This may be accessible from the main menu or homepage.
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Find Alaska Airlines Business Card. Look for the Alaska Airlines Business Credit Card among the available options. Tap on the card to view more details.
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Start Application. Locate the option to apply for the Alaska Airlines Business Credit Card within the app. It may be labeled as "Apply Now" or something similar. Tap on it to initiate the application process.
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Complete Application Form. Fill out the application form provided in the app with accurate information, including personal, financial, and contact details. Double-check for accuracy before proceeding.
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Submit Application. After completing the form, review the information provided to ensure accuracy. Once verified, submit your application through the mobile app.
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Wait for Response. The bank will review your application. Depending on their process, you may receive an instant decision or have to wait for a few days to receive a response.
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Receive Confirmation. If approved, you'll receive confirmation within the app or via email. Your Alaska Airlines Business Credit Card will be mailed to the address provided during the application process.
Branch Application
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Research and Preparation. Begin by researching the various credit cards offered by Bank of America to determine which best suits your needs and preferences. Consider factors such as rewards, interest rates, annual fees, and benefits.
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Gather Necessary Documents. Collect all required documents, such as a valid photo ID (e.g., driver's license or passport), Social Security number, proof of income (e.g., pay stubs or tax returns), and any other relevant financial information.
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Visit a Bank of America Branch. Locate the nearest Bank of America branch by using the Bank of America website or mobile app. Plan your visit during the branch’s operating hours.
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Meet with a Bank of America Representative. Once at the branch, request to speak with a representative about applying for a credit card. The representative will guide you through the process, answer any questions, and provide you with the necessary forms.
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Complete the Application Form. Fill out the application form provided by the representative. Ensure all information is accurate, including personal details, employment information, and financial data.
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Submit Your Application. After completing the form, submit it to the representative along with your supporting documents. The representative will review your application for completeness and accuracy.
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Wait for Approval. The representative will submit your application for processing. Approval times can vary; in some cases, you may receive an instant decision, while others may require further review. You will be notified of the decision by mail or email.
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Receive Your Card. If approved, your new Bank of America credit card will be mailed to you. Upon receiving your card, follow the instructions to activate it and begin using it to earn rewards and manage your finances effectively.
Infographic
Eligibility Requirements
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Age Requirement. Applicant must be at least 18 years old.
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U.S. Residency. Must be a resident of the United States.
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Bank of America Relationship. While not required, having an eligible Bank of America small business account can qualify for additional rewards bonuses.
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New Account. Offer available to new Alaska Airlines Business credit card accounts; existing cardholders are not eligible for the bonus offer.
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Valid Identification. Must provide a valid Social Security Number or Taxpayer Identification Number.
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Business Information. Required to provide details about the business, including legal name, address, and tax identification number.
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Minimum Spending Requirement. Must spend $3,000 on purchases within the first 90 days to qualify for the bonus miles and companion fare offer.
Reasons You May Be Denied a Credit Card
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Insufficient Credit History. If you have a limited credit history or no credit history at all, the issuer may be unable to assess your creditworthiness, which could result in a denial of your credit card application.
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Low Credit Score. A low credit score, often indicative of past financial difficulties or missed payments, may lead to a denial of your credit card application. Credit scores below a certain threshold may be considered risky by the issuer.
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High Debt-to-Income Ratio. If you have a high debt-to-income ratio, meaning you have significant outstanding debt relative to your income, the issuer may view you as a higher credit risk and deny your application.
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Recent Bankruptcy. If you have filed for bankruptcy recently, you may be denied a credit card as it indicates financial instability and an increased risk for the issuer.
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Delinquent Accounts. If you have a history of late payments, defaults, or delinquent accounts on your credit report, it may signal to the issuer that you are not financially responsible and may lead to a denial of your application.
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Multiple Recent Credit Applications. Applying for multiple credit cards or loans within a short period, especially if accompanied by rejections, may raise concerns for the issuer about your financial stability and lead to a denial.
How to Pay Off Credit Card Debt
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Access Your Account. Sign in to your Bank of America online banking account or mobile app to access your credit card information.
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Review Your Balance. Take a moment to examine your outstanding balance, including any accumulated interest or fees.
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Choose a Payment Method. Determine how you wish to proceed with your payment. Bank of America provides several convenient options, such as online banking, mobile banking, in-person at a financial center or ATM, by phone, or through the mail.
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Online Payment. If you opt for online payment, log in to your account, proceed to the bill pay section, and follow the prompts to initiate a payment. You can select to pay the minimum amount due, the full balance, or a customized amount.
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Mobile Payment. Alternatively, you can utilize the Bank of America mobile banking app to complete a payment. Choose your Alaska Airlines Business credit card account and follow the prompts to finalize the payment process.
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In-Person Payment. For those preferring in-person transactions, visit a Bank of America financial center or ATM. You can make a payment using cash, a check, or your debit card at the ATM, or seek assistance from a representative at the financial center.
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Phone Payment. To make a payment over the phone, dial the Bank of America customer service number and follow the automated instructions to navigate to the payment section. From there, you can complete the payment using your checking account or debit card.
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Mail Payment. Lastly, if mailing your payment suits your preference, utilize the payment address provided on your billing statement. Ensure to include your Alaska Airlines Business credit card account number on the check or money order and allow adequate time for delivery.
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Confirm Payment. Following your payment submission, verify that it has been successfully processed. You can check your account balance online or via the mobile app to confirm the payment's application to your Alaska Airlines Business credit card debt.
Editorial Opinion
Evaluating the worth of the Alaska Airlines Business Credit Card hinges on travel habits and spending preferences. For frequent Alaska Airlines travelers, the card's benefits such as the annual companion fare, free checked bags, and priority boarding can offer substantial value. The generous sign-up bonus and high mileage earning rates on Alaska Airlines purchases and common business expenses also make it appealing for businesses aiming to accumulate miles. However, the annual fees and high variable APR may not justify the benefits for all businesses, especially those with minimal travel spending or those seeking broader redemption options.
Additional Resources
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