Alaska Airlines Visa vs. Alaska Airlines Business Visa: Should you get the personal or business card?

Editor’s note: This is a recurring post, regularly updated with new information and offers. Alaska Airlines Mileage Plan miles are popular among Alaska Airlines and Oneworld loyalists — so getting one of their two cobranded credit cards might interest you. Those two cards are the Alaska Airlines Visa Signature® credit card and the Alaska Airlines Visa® …

May 20, 2025 - 20:16

Alaska Airlines Visa vs. Alaska Airlines Business Visa: Should you get the personal or business card?

Editor’s note: This is a recurring post, regularly updated with new information and offers.

Alaska Airlines Mileage Plan miles are popular among Alaska Airlines and Oneworld loyalists — so getting one of their two cobranded credit cards might interest you.

Those two cards are the Alaska Airlines Visa Signature® credit card and the Alaska Airlines Visa® Business card.

In addition to how useful Alaska miles can be, another good reason to consider these cards is that they are both issued by Bank of America. That’s important because if you have reached your limit with American Express cards or are affected by Chase’s 5/24 rule, looking to other banks for your next credit card is probably a good idea.

Plus, with the Alaska MIleagePlan changes last year, holding an Alaska card becomes even more beneficial.

Alaska and Hawaiian Airlines merger also provides an interesting value proposition for Alaska’s cobranded credit cards.

Let’s examine the details of these two cards and discuss how they match up.

Alaska Airlines Visa vs. Alaska Airlines Business Visa comparison

	Alaska Airlines Visa credit card	Alaska Airlines Visa Business card
Annual fee	$95	$95 ($70 per company, $25 per card, so $95 for the first card)
Welcome bonus	Earn 60,000 bonus miles plus Alaska’s Famous Companion Fare™ ($99 fare plus taxes and fees from $23) after spending $3,000 within the first 90 days of account opening. Plus, after account opening, receive a 30% flight discount code for a future qualifying flight.	Earn 60,000 bonus miles and Alaska’s Famous Companion Fare™ ($99 fare plus taxes and fees from $23) after making $4,000 or more in purchases within the first 90 days of opening your account.
Earning	3 miles per dollar spent on eligible Alaska Airlines purchases 2 miles per dollar spent on eligible gas, electric vehicle charging stations, local transit (including ride-hailing services), cable and select streaming services 1 mile per dollar spent on other purchases	3 miles per dollar spent on eligible Alaska Airlines purchases 2 miles per dollar spent on eligible gas, EV charging stations, local transit (including ride-hailing services) and shipping purchases 1 mile per dollar spent on other purchases
Alaska benefits	Annual Companion Fare (each account anniversary after you spend $6,000 or more on purchases within the prior anniversary year) Free checked bag for you and up to six additional guests on the same reservation when you purchase airfare with your card 20% back on inflight purchases $100 off one Alaska Lounge+ Membership annually when purchased with your card Priority boarding when you pay for your flight with your card	Annual Companion Fare (each account anniversary after you spend $6,000 or more on purchases within the prior anniversary year) Free checked bag for you and up to six additional guests on the same reservation when you purchase airfare with your card 20% back on inflight purchases $100 off one Alaska Lounge+ Membership annually when purchased with your card Priority boarding when you pay for your flight with your card
Other benefits	10% rewards bonus on all miles earned from purchases if you have an eligible Bank of America account No foreign transaction fees	10% rewards bonus on all miles earned from purchases if your company has an eligible Bank of America account No foreign transaction fees

Alaska Airlines Visa vs. Alaska Airlines Business Visa welcome bonus

The personal Alaska Airlines Visa is currently offering new cardholders the chance to earn 60,000 bonus miles and Alaska’s Famous Companion Fare ($99 fare plus taxes and fees from $23) after spending $3,000 or more in purchases within the first 90 days of opening their account. Plus, after account opening, receive a 30% flight discount code for a future qualifying flight.

Comparison of hands holding cards — THE POINTS GUY

Currently, the Alaska Airlines Visa Business is also offering new cardholders 60,000 bonus miles and Alaska’s Famous Companion Fare™ ($99 fare plus taxes and fees from $23) after making $4,000 or more in purchases within the first 90 days of opening your account.

60,000 Alaska miles are worth $900 based on TPG’s May 2025 valuations.

Winner: Alaska Airlines Visa Signature as it offers a 30% flight discount.

Alaska Airlines Visa vs. Alaska Airlines Business Visa benefits

You won’t find many differences between the two cards’ day-of-travel perks.

Both the Alaska Airlines Visa credit card and the Alaska Airlines Visa Business card offer cardholders a free checked bag for themselves and up to six guests on the same reservation when they pay with their card.

Cardholders also enjoy priority boarding and $100 off one Alaska Lounge+ Membership annually when they pay with their Alaska card.

Additionally, cardholders with either product receive 20% back on Alaska inflight purchases, including food and Wi-Fi.

Both products also reward cardholders with an annual Companion Fare, one of the most generous airline credit card companion certificates around. In effect, this is a buy-one-get-one-discounted deal (plus taxes and fees). However — and this is a big one — you have to spend $6,000 or more on purchases within the prior anniversary year to earn the Companion Fare on either card (apart from any that come with the welcome bonus).

Alaska Airlines cabin — WALLACE COTTON/THE POINTS GUY

When you book a round-trip economy ticket on Alaska Airlines, you can use the Companion Fare to reserve a second ticket on the same reservation from $122 ($99 fare plus taxes and fees from $23).

The Companion Fare must be redeemed within 12 months of the issue date, though the actual travel can take place after that — extending its usefulness to nearly two years. Even better, both travelers accrue full mileage credit for their flights and are eligible for upgrades. Plus Alaska announced that soon you will be able to use the Companion Fare on any Hawaiian Airlines North American routes.

The cardholder doesn’t even have to be flying but must use their Alaska card to pay for the tickets. Depending on how you redeem your Companion Fare, it can be worth hundreds of dollars, especially on some of the airline’s more expensive routes, like those to Hawaii, and can more than offset either card’s annual fee each year.

Winner: Tie. Both cards offer the same benefits.

Earning miles on the Alaska Airlines Visa vs. Alaska Airlines Business Visa

Earning rates are comparable with both cards. They both earn:

3 miles per dollar spent on eligible Alaska purchases
2 miles per dollar spent on gas, EV charging stations and local transit (including ride-hailing services)
1 mile per dollar spent on everything else

Man using a laptop and smart phone while holding a credit card — MSTUDIOIMAGES/GETTY IMAGES

The personal card also earns 2 miles per dollar spent on cable and select streaming services, while the business card offers 2 miles per dollar spent on shipping purchases.

Winner: Tie. Both cards offer similar earning rates.

Redeeming miles on the Alaska Airlines Visa vs. Alaska Airlines Business Visa

Despite the devaluation of Alaska’s award charts in late 2022, there are numerous ways to maximize Alaska miles.

For short-haul flights like TPG credit cards writer Chris Nelson prefers, such as Portland to San Francisco, you can redeem as few as 5,000 Alaska miles for each leg of the journey. Even for longer flights, economy awards often start at 12,500 miles.

If you prefer a first-class experience, longer domestic flights typically require 50,000 miles, but shorter flights can begin as low as 15,000 miles for each leg in first class.

Alaska cardholders also earn elite qualifying miles on award flights and partner-operated award flights booked through Alaska, which can make it easier for them to earn Alaska MVP Elite status.

Alaska Airlines also provides access to several partner airlines, allowing you to cover your travel needs across various destinations worldwide. Notable partners include British Airways, Cathay Pacific, Qantas and Singapore Airlines.

Cathay Pacific business class cabin — JT GENTER/THE POINTS GUY

While it’s important to note that Alaska may not always offer the lowest mileage booking rates for these partners (depending on the specific route), the airline’s unique benefit of permitting one free stopover on one-way award tickets can create exceptional itineraries. This feature enables travelers to maximize their journey by exploring multiple destinations within a single trip, making the most of their Alaska miles.

These options demonstrate that despite adjustments to the award charts, there are still attractive opportunities to utilize Alaska miles effectively.

Winner: Tie. Both cards earn Alaska miles and provide the same redemption options.

Should I get the Alaska Airlines Visa or the Alaska Airlines Business Visa?

Since the cards are so similar, your decision may simply rest on whether you’re eligible for a business card. If you are, you’ll be free to choose the card with the better welcome offer when you’re applying. Keep in mind both cards are separate products so you can apply for the personal Alaska Airlines Visa card and the business version if you’re a business owner.

Bottom line

Both the Alaska Airlines Visa credit card and the Alaska Airlines Visa Business card are worth adding to your wallet, given the high value of Alaska miles and the Companion Fare. Both come with less than $100 in annual fees and valuable Alaska Airlines benefits. Because of their similarities, your choice may come down to which one offers a higher welcome bonus.

Learn more in our full review of the Alaska Airlines Visa and our full review of the Alaska Airlines Visa Business.

Apply here: Alaska Airlines Visa credit card

Apply here: Alaska Airlines Visa Business card