How to book business class flights with credit card points

A Guide to the Best Credit Cards for Earning Business Class Miles & How to Use Them

YOUR GUIDE TO BOOKING BUSINESS CLASS FLIGHTS FOR CHEAPER USING POINTS

Have you ever passed by the business class section of the plane on your way to economy and felt a sting of jealousy? If you answered "yes", don't worry- I used to feel the same way before I learned how to maximize my credit card points. And when I say maximize my points, I'm not talking about a couple hundred dollars off business class tickets,.. I'm talking thousands of dollars off. A most recent example is I got a business class flight direct JFK in New York to France for 50k points and $384 when the ticket usually costs over $5,000. Even better, I haven’t paid for a full-price flight in the last five years—just the mandatory taxes and fees. With that being said, if you're looking to learn about the steps of booking a business class flight for as little points as possible, you've come to the right place. I personally believe that everyone deserves to fly business class once in their life, but with the information you're going to gain from this article, you'll be flying business class even more than you thought. Ready to upgrade how you travel? Let's do it!

WHAT ARE CREDIT CARD POINTS & MILES?

Credit card points and miles are rewards you earn when you use certain credit cards for everyday purchases, like groceries, gas, or travel. Instead of cash back being the only option, these programs let you accumulate points that can also be redeemed for flights, hotels, upgrades, or other travel perks. Many of the credit cards that have a reward system using points also partner with hotel chains and airlines so that card users can transfer their credit card points to the airline or hotel of choice to take advantage of deals and save even more money. This means that the more you spend on your credit card, especially in the categories that your credit card promises 2x, 3x, or 4x rewards for, the more money you'll be able to get off flight fare.

Which Credit Cards Earn the Best Points for Business Class Flights?

The following credit cards can help you to earn the most points for business class flights:

FOR PERSONAL USE:

Chase Sapphire Preferred®: This is my all-time favorite starter card, especially for people who are just getting into the credit card points game. With an annual fee of $95, you’ll earn 5× points on travel through Chase Travel, 3× on dining, select streaming & groceries, and points transfer 1:1 to many airline and hotel partners.To learn more about this card, read my comprehensive guide here or apply for this card today. 

Capital One Venture Rewards Credit Card: This card is another great starter great card with a lower annual fee that earns unlimited 2X miles per dollar on every purchase, every day. It has multiple airline and hotel partners, and it's pretty comparable to the Chase Sapphire Reserve so I would advise looking at which card has a better sign up bonus right now or which cards has airlines/hotel partners that you are more likely to use. 

American Express Platinum®: This is a premium travel card with a high annual fee (raised recently to $895), but it’s packed with benefits. You get 5× Membership Rewards points on flights booked through Amex Travel, access to the Global Lounge Collection and Centurion Lounges, plus credits like $600 hotel credit, dining credits (Resy), wellness credits (Lululemon, digital entertainment) and more.

FOR BUSINESS OWNERS:

Chase Ink Business Preferred®: This card is one of the best for business travelers, offering a high sign-up bonus and 3x points on travel, shipping, advertising, and internet/cable/phone services. Points transfer easily to Chase airline and hotel partners.

American Express Business Platinum®: Known for premium perks, this card gives 5x points on flights and hotels booked through AmEx Travel, plus access to Centurion Lounges and other business benefits. Great for frequent flyers who want flexibility and luxury.

Capital One Spark Miles for Business: This card earns unlimited 2x miles on every purchase and offers simple, flexible redemption options. Miles can transfer to over 15 travel partners, making it easy to book business class flights.

Chase Ink Business Unlimited®: A strong no-annual-fee option, this card earns unlimited 1.5x points on all purchases. Points can be combined with the Ink Business Preferred or Sapphire cards for more valuable transfers.

American Express Business Gold®: Offers 4x points on the top two categories where your business spends the most (from a list including airfare, gas, advertising, and more). A great fit if you want flexible earning without tracking bonus categories.

Remember: how many points you earn is entirely up to you! The first step is to sign up for one of the credit cards above, then qualify for the sign up bonus, and make sure to spend how much is necessary to get the bonus. That's the quickest way to get a chunk of points in your account immediately. After that, make sure to use your card for the main categories it earns more in at the very least and keep accumulating points! You can also refer friends to get the same credit card as you with a unique referral link and get points this way as well.

Step-by-Step: How to Book a Business Class Flight Using Points

The best position to be in when you're booking a business class flight is to be a couple of months out from your trip so that you have a little time to do inventory. If you are traveling last minute, these steps will still work though!

Step 1: Set your goal

Make sure that you know where you want to go, your ideal dates/month, and which airports you plan on flying to and from. 

Step 2: Add up all of your available travel points

Grab a pen and paper, log into each of your credit card portals (Chase, Amex, Capital One, Citi, Bilt, airline miles) and write down how many points you have in each account.

Total everything so you know your full points balance.

STEP 3: Check for current transfer bonuses (NEVER skip this step)

Many times, airlines and hotel partners will run deals where they give you a bonus (15–40%) when you transfer points to their rewards program.

Log into your credit card portal, find the “transfer points” section, and look for highlighted offers.

If a bonus exists with a partner airline, note it down—but don’t transfer yet.

STEP 4: If there’s a transfer bonus with an airline, check their flights

Search their site to see if they have business class award seats from your airport to your destination.

Compare dates if one option is way more expensive in points.

Once you find a good option, do the math to see how many points you need to transfer.

Example: If Air France business class from JFK to CDG costs 75k points, and there’s a 25% transfer bonus, you only need to transfer 60k points. The 25% bonus will give you the full 75k in your Flying Blue account so you can book.

Step 5: If no transfer deals exist or the airline doesn’t serve your route

You have two options: 1). Wait until a bonus appears with an airline that does fly your route (best if you aren’t traveling right away). OR 2.) If you’re on a time crunch, book with the exact number of points required, even without a bonus.

Always compare: if another airline partner has award seats for fewer points, it may be smarter to book through them instead.

STEP 6: DON'T FORGET ABOUT THE TAXES & FEES

Even if you have the exact number of points for your flight, airlines will still charge an amount for fees and taxes. 

Best Business Class Airlines to Redeem Points On

While you can use points to fly virtually any airline with business class, there are some airlines that are worth more "bang for your buck". These airlines include:

BEST BUSINESS CLASS AIRLINES:

Qatar Airways: The Qsuites are famous: sliding doors, very private suites, flat-beds, excellent dining, good service.

Japan Airlines (JAL): Their new Safran Unity seat is very well-reviewed: spacious, good storage, nice tech, very comfortable flat beds. 

All Nippon Airways (ANA): “The Room” product is considered one of the top soft/hard-product combos, especially for long haul.

Air France: Long haul business class with 1-2-1 layout, fully flat beds, good food & entertainment. Their soft product tends to get praise. I personally love Air France's business class and think it comes at a great price when it comes to using points. To watch my full review of Air France business class on YouTube, click here. 

Emirates: Known for luxury: lie-flat seats, onboard bar/lounge on A380, great IFE (ICE system), strong food & beverage program.

Singapore Airlines: Spacious business class seats (some of the widest in the world), excellent service, high-quality dining, consistently ranked top tier.

WORST BUSINESS CLASS AIRLINES:

United Airlines: Some cabins still have outdated angled or cramped seats, inconsistent cleanliness, and underwhelming catering.

Domestic/regional fleets (various airlines): Many airlines (even those with amazing long haul cabins) use recliners or angled seats on shorter routes, so passengers expecting lie-flat may be disappointed.

Older Japanese regional products: JAL/ANA domestic or regional flights may use older recliner-style business class, lacking privacy and lie-flat comfort found on their long haul.

Does a Business Class Ticket Include Extra Perks?

YES, purchasing a business class ticket includes amazing perks that make the ticket even more worth the points. Some of my personal favorite amenities that are included in many business class tickets are:

Two free checked bags

Priority boarding and check-in

Lounge access (some lounges are better than others and have even cooler amenities in them like saunas, showers, all-you-can-eat-and-drink buffets, etc). 

Extra space and privacy

Lie-flat or recliner seats

Multi-course meals with restaurant style service

Premium and unlimited alcohol and drinks 

On-demand dining (eat when you want), depending on the airline

Amenity kits with toiletries, eye masks, socks, and sometimes skincare

Better quality bedding, including pillows and blankets 

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Flying business class doesn’t have to feel like a luxury that’s out of reach. With the right credit cards, transfer partners, and booking strategies, you can experience lie-flat seats, world-class dining, and priority perks without paying thousands of dollars. I’ve personally used points to fly to countles different countries, and I truly believe anyone can learn how to make travel more affordable with the right approach. If this guide helped you, don’t forget to subscribe for more tips on points, travel hacks, and destination guides, and scroll below for more resources to help you plan your next trip in style.

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You Ask & I Answer

Frequently Asked Questions

  • How many credit card points do I need for a business class ticket to Europe?

    Most programs require between 55,000 and 75,000 points one way, depending on the airline and program you transfer to.

  • What is the best time to book a business class award flight with points?

    Availability is usually best when booking 9–12 months out or within 2 weeks of departure.

  • Do all credit cards allow you to transfer points to airlines?

    No — only cards with transferable points programs like Amex Membership Rewards, Chase Ultimate Rewards, and Capital One Miles allow transfers.

  • Can I mix cash and points for a business class flight?

    Yes, some programs and airlines allow “cash + points” bookings, though value per point may be lower.

  • Are business class award tickets refundable?

    Many airlines let you cancel or change for a fee (often $25–150) or sometimes free with certain elite status.

  • Do you get lounge access when booking business class with points?

    Yes, if your ticket is issued as a true business class fare, you’ll usually get full lounge access.

  • Can I upgrade from economy to business with points?

    Yes, but it depends on the airline’s upgrade rules and available fare classes; sometimes it costs nearly as many points as a straight business redemption.

  • What airlines offer the best value for business class awards?

    Programs like Air Canada Aeroplan, Virgin Atlantic Flying Club, and Avianca LifeMiles are popular for their sweet spots.

  • Do I earn miles on a business class ticket booked with points?

    Generally no — award tickets don’t earn additional miles or elite status credit, though some hybrid “cash + points” bookings may.

  • Can I transfer points to someone else to book a business class ticket?

    Most banks don’t allow direct transfers to another person’s airline account, but some (like Chase) let you pool points with household members.