On the airline side, other things like where you live and where you commonly go, can also be important to the choice of a card.

If you are based in Atlanta, for instance, the Delta card could be ideal. But if you are in Washington DC, and regularly go to Chicago (which is served nonstop by American and United), either the American or United cards are better deals.

In addition where you fly for business can have an effect. If you are already flying say to Cincinnati alot from New York, a personal card for the airline you normally fly can add more.

But you can also take the other approach. Assume that the company flying will get you airline miles and use your personal card for hotel miles.