Best Credit Cards 2024
Personal Credit Cards
Best Credit Cards 2024
Personal Credit Cards
Best for earning miles
Capital One Venture Rewards Credit Card
Rewards Rate
5 MILES
2 MILES
5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel
2 Miles per dollar on every purchase, every day
Intro Offer
Earn 75,000 + $250 in Travel Credit
Annual Fee
$95
Regular APR
19.99% - 29.99% Variable
Recommended Credit
670-850 (Good to Excellent)
Pros
$250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000+ in travel.
Receive up to a $100 credit for Global Entry or TSA PreCheck®
Rewards earned are versatile as they can be redeemed for any hotel or airline purchase for a statement credit or transferred to 15+ travel partners.
Cons
Capital One airline partners do not include any large U.S. airlines.
Best for earning miles
Capital One Venture Rewards Credit Card
Rewards Rate
5 MILES
5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel
2 MILES
2 Miles per dollar on every purchase, every day
Intro Offer
Earn 75,000 + $250 in Travel Credit
Annual Fee
$95
Regular APR
19.99% - 29.99% Variable
Recommended Credit
670-850 (Good to Excellent)
Pros
$250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000+ in travel.
Receive up to a $100 credit for Global Entry or TSA PreCheck®
Rewards earned are versatile as they can be redeemed for any hotel or airline purchase for a statement credit or transferred to 15+ travel partners.
Cons
Capital One airline partners do not include any large U.S. airlines.
Best for new travelers
Chase Sapphire Preferred® Card
Rewards Rate
5x
5x on travel purchased through Chase Travel℠
3x
3x on dining, select streaming services and online groceries
2x
2x on all other travel purchases
1x
1x on all other purchases
Intro Offer
60,000 bonus points
Annual Fee
$95
Regular APR
21.49% - 28.49% Variable
Recommended Credit
670-850 (Good to Excellent)
Pros
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.
Annual $50 Chase Travel Hotel Credit.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance.
Cons
The card comes with a $95 annual fee.
Best for dining at restaurants
American Express® Gold Card
Rewards Rate
4x
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
4x
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
3x
Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
2x
Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
1x
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Intro Offer
60,000 points + earn up to $100 back
Annual Fee
$325
Regular APR
See Pay Over Time APR
Recommended Credit
670-850 (Good to Excellent)
Pros
Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Cons
The card comes with a $325 annual fee.
Not as effective for those living outside the U.S.
Best for every day spending
Blue Cash Preferred® Card from American Express
Rewards Rate
6%
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
6%
6% Cash Back on select U.S. streaming subscriptions
3%
3% Cash Back at U.S. gas stations
3%
3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more)
1%
1% Cash Back on other purchases
Intro Offer
$250 Statement Credit
Annual Fee
$0 intro annual fee for the first year, then $95
Regular APR
19.24% to 29.99% Variable
Recommended Credit
670-850 (Good to Excellent)
Pros
Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%.
$0 intro annual fee for the first year, then $95.
This card has one of the best earning structures out for among cash-back credit cards.
The card comes with access to Amex Offers, which can save you even more money on specific purchases.
Cons
There is a $6,000 spending cap on the U.S. supermarket bonus category, which may not work for those with large grocery budgets.
You’ll have to pay a foreign transaction fee on international purchases, so it’s not a great choice when you’re traveling abroad.
Best for premium travel
Capital One Venture X Rewards Credit Card
Rewards Rate
10 MILES
10 Miles per dollar on hotels and rental cars booked through Capital One Travel
5 MILES
5 Miles per dollar on flights and vacation rentals booked through Capital One Travel
2 MILES
2 Miles per dollar on every purchase, every day
Intro Offer
Earn 75,000 miles
Annual Fee
$395
Regular APR
19.99% - 29.99% Variable
Recommended Credit
740-850 (Excellent)
Pros
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
10,000 bonus miles every account anniversary.
Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.
Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network.
Cons
$395 annual fee.
$300 credit annually, only applicable for bookings made through Capital One Travel portal.
Best for tiered cash back
Chase Freedom Unlimited®
Rewards Rate
5%
5% Cash Back on travel purchased through Chase Travel℠
3%
3% Cash Back on dining at restaurants, including takeout and eligible delivery services
3%
3% Cash Back on drugstore purchases
1.5%
1.5% Cash Back on all other purchases
Intro Offer
Up To $300 CashBack
Annual Fee
$0
Regular APR
20.49% - 29.24% Variable
Recommended Credit
670-850 (Good to Excellent)
Pros
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back.
6.5% cash back on travel purchased through Chase Travel℠, 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
$0 annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Cons
N/A
Best for stacking delta miles
Delta SkyMiles® Gold American Express Card
Rewards Rate
2x
Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S.
1x
Earn 1X Mile on all other eligible purchases.
Intro Offer
Earn 40,000 Miles
Annual Fee
$0 annual fee for the first year, then $150
Regular APR
20.99%-29.99% Variable
Recommended Credit
670-850 (Good to Excellent)
Pros
Earn 40,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
$0 introductory Annual Fee for the first year, then $150.
First checked bag free for you and up to eight companions.
Priority boarding.
15% discount on all award flights.
20% back in the form of a statement credit on inflight purchases (not including Wi-Fi).
Cons
There are better Delta cards if you want lounge access or a boost to earn elite status.
Best for airport lounge access
The Platinum Card® from American Express
Rewards Rate
5x
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
5x
Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
Intro Offer
Earn 80,000 points
Annual Fee
$695
Regular APR
See Pay Over Time APR
Recommended Credit
670-850 (Good to Excellent)
Pros
Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership - equal to ~$1,600 in travel.
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
This card comes with a long list of benefits, including access to Centurion Lounges, complimentary gold elite status with Hilton and Marriott, and more than $1,400 in assorted annual statement credits and so much more. (enrollment required).
The Amex Platinum comes with access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway.
Cons
The card comes with a $695 annual fee.
Outside of the current welcome bonus, you’re only earning bonus rewards on specific airfare and hotel purchases, so it’s not a great card for other spending categories.
Best for maximizing points
Chase Sapphire Reserve®
Rewards Rate
10x
Earn 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠
5x
Earn 5x total points on flights through Chase Travel℠
3x
Earn 3x points on other travel and dining
1x
Earn 1 point per $1 spent on all other purchases
Intro Offer
60,000 bonus points
Annual Fee
$550
Regular APR
21.49% - 28.49% Variable
Recommended Credit
740-850 (Excellent)
Pros
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
$300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
10x points per dollar on hotels and car rentals through Chase Travel, 10x points per dollar on Chase Dining purchases through the Ultimate Rewards portal, 5x points per dollar on flights booked through the Chase Travel portal, 3x points per dollar on all other travel and dining, 1x point per dollar on everything else.
50% more value when you redeem your points for travel directly through Chase Travel.
Cons
May not make sense for people that don't travel frequently.
Best for new travelers
Chase Sapphire Preferred® Card
Rewards Rate
5x
3x
2x
1x
5x on travel purchased through Chase Travel℠
3x on dining, select streaming services and online groceries
2x on all other travel purchases
1x on all other purchases
Intro Offer
60,000 bonus points
Annual Fee
$95
Regular APR
21.49% - 28.49% Variable
Recommended Credit
670-850 (Good to Excellent)
Pros
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.
Annual $50 Chase Travel Hotel Credit.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance.
Cons
The card comes with a $95 annual fee.
Best for dining at restaurants
American Express® Gold Card
Rewards Rate
4x
4x
3x
2x
1x
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Intro Offer
60,000 points + earn up to $100 back
Annual Fee
$325
Regular APR
See Pay Over Time APR
Recommended Credit
670-850 (Good to Excellent)
Pros
Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Cons
The card comes with a $325 annual fee.
Not as effective for those living outside the U.S.
Best for every day spending
Blue Cash Preferred® Card from American Express
Rewards Rate
6%
6%
3%
3%
1%
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6% Cash Back on select U.S. streaming subscriptions.
3% Cash Back at U.S. gas stations.
3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
1% Cash Back on other purchases.
Intro Offer
$250 Statement
Credit
Annual Fee
$0 intro annual fee for the
first year, then $95
Regular APR
19.24% to 29.99%
Variable
Recommended Credit
670-850 (Good to
Excellent)
Pros
Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%.
$0 intro annual fee for the first year, then $95.
This card has one of the best earning structures out for among cash-back credit cards.
The card comes with access to Amex Offers, which can save you even more money on specific purchases.
Cons
There is a $6,000 spending cap on the U.S. supermarket bonus category, which may not work for those with large grocery budgets.
You’ll have to pay a foreign transaction fee on international purchases, so it’s not a great choice when you’re traveling abroad.
Best for premium travel
Capital One Venture X Rewards Credit Card
Rewards Rate
10 MILES
5 MILES
2 MILES
10 Miles per dollar on hotels and rental cars booked through Capital One Travel
5 Miles per dollar on flights and vacation rentals booked through Capital One Travel
2 Miles per dollar on every purchase, every day
Intro Offer
Earn 75,000 miles
Annual Fee
$395
Regular APR
19.99% - 29.99% Variable
Recommended Credit
740-850 (Excellent)
Pros
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
10,000 bonus miles every account anniversary.
Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.
Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network.
Cons
$395 annual fee.
$300 credit annually, only applicable for bookings made through Capital One Travel portal.
Best for tiered cash back
Chase Freedom Unlimited®
Rewards Rate
5%
3%
3%
1.5%
5% Cash Back on travel purchased through Chase Travel℠
3% Cash Back on dining at restaurants, including takeout and eligible delivery services
3% Cash Back on drugstore purchases
1.5% Cash Back on all other purchases
Intro Offer
Up To $300 Cash Back
Annual Fee
$0
Regular APR
20.49% - 29.24% Variable
Recommended Credit
670-850 (Good to Excellent)
Pros
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back.
6.5% cash back on travel purchased through Chase Travel℠, 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
$0 annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Cons
N/A
Best for stacking delta miles
Delta SkyMiles® Gold American Express Card
Rewards Rate
2x
1x
Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S.
Earn 1X Mile on all other eligible purchases.
Intro Offer
Earn 40,000
Miles
Annual Fee
$0 annual fee for the first year, then $150
Regular APR
20.99%-29.99% Variable
Recommended Credit
670-850 (Good to Excellent)
Pros
Earn 40,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
$0 introductory Annual Fee for the first year, then $150.
First checked bag free for you and up to eight companions.
Priority boarding.
15% discount on all award flights.
20% back in the form of a statement credit on inflight purchases (not including Wi-Fi).
Cons
There are better Delta cards if you want lounge access or a boost to earn elite status.
Best for airport lounge access
The Platinum Card® from American Express
Rewards Rate
5x
5x
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
Intro Offer
Earn 80,000 points
Annual Fee
$695
Regular APR
See Pay Over Time APR
Recommended Credit
670-850 (Good to Excellent)
Pros
Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership - equal to ~$1,600 in travel.
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
This card comes with a long list of benefits, including access to Centurion Lounges, complimentary gold elite status with Hilton and Marriott, and more than $1,400 in assorted annual statement credits and so much more. (enrollment required).
The Amex Platinum comes with access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway.
Cons
The card comes with a $695 annual fee.
Outside of the current welcome bonus, you’re only earning bonus rewards on specific airfare and hotel purchases, so it’s not a great card for other spending categories.
Best for maximizing points
Chase Sapphire Reserve®
Rewards Rate
10x
5x
3x
1x
Earn 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠
Earn 5x total points on flights through Chase Travel℠
Earn 3x points on other travel and dining
Earn 1 point per $1 spent on all other purchases
Intro Offer
60,000 bonus points
Annual Fee
$550
Regular APR
21.49% - 28.49% Variable
Recommended Credit
740-850 (Excellent)
Pros
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
$300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
10x points per dollar on hotels and car rentals through Chase Travel, 10x points per dollar on Chase Dining purchases through the Ultimate Rewards portal, 5x points per dollar on flights booked through the Chase Travel portal, 3x points per dollar on all other travel and dining, 1x point per dollar on everything else.
50% more value when you redeem your points for travel directly through Chase Travel.
Cons
May not make sense for people that don't travel frequently.
Business Credit Cards
Business Credit Cards
Best for maximizing business purchases
Ink Business Preferred® Credit Card
Rewards Rate
3x
Earn 3x points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
1x
Earn 1x point per $1 on all other purchases – with no limit to the amount you can earn
Intro Offer
Earn 100,000 bonus points
Annual Fee
$95
Regular APR
21.24% - 26.24% Variable
Recommended Credit
670-850 (Good to Excellent)
Pros
100,000 bonus points after $8,000 worth of spend in the first 3 months after card opening. That's $1,250 toward travel when you redeem through Chase Travel℠.
Very reasonable $95 annual fee.
Bonus categories that are most relevant to business owners.
Perks including cellphone and purchase protection; extended warranty; trip cancellation/interruption insurance; trip delay reimbursement.
Cons
Yearly cap on bonus categories.
Best for business advertising/dining
American Express® Business Gold Card
Rewards Rate
4x
Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
3x
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
1x
1X is earned for other purchases. **
Intro Offer
Earn 100,000 points
Annual Fee
$375
Regular APR
19.49% - 28.49% Variable
Recommended Credit
670-850 (Good to Excellent)
Pros
100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
You'll earn 4x Membership Rewards points per dollar in the top 2 spending categories each billing cycle (on the first $150,000 in combined purchases each calendar year, then 1 point per dollar).
Both advertising and dining are categories that get 4x Membership Rewards points per dollar spent.
Cons
There may be better options for small businesses who don't spend a lot.
Best for cash back on business expenses
Ink Business Unlimited® Credit Card
Rewards Rate
1.5%
Earn unlimited 1.5% cash back on every purchase made for your business
Intro Offer
Earn $750 Bonus Cash Back
Annual Fee
$0
Regular APR
18.49% - 24.49% Variable
Recommended Credit
670-850 (Good to Excellent)
Pros
0% introductory APR for 12 months on purchases.
$0 annual fee.
High welcome bonus of $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Flat 1.5% cash back on all purchases.
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
Cash back can become points when paired with an eligible card.
Cons
Lacks bonus categories.
Best for airport lounge access
The Business Platinum Card® from American Express
Rewards Rate
5x
5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com
1.5x
Earn 1.5X on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
1x
1X points for each dollar you spend on eligible purchases.
Intro Offer
Earn 150,000 points
Annual Fee
$695
Regular APR
19.49% - 28.49% Variable
Recommended Credit
670-850 (Good to Excellent)
Pros
150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership - equal to ~$3,000 in travel.
The American Express Global Lounge Collection®. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
Cons
The card comes with a $695 annual fee.
Best for cash back on office supplies
Ink Business Cash® Credit Card
Rewards Rate
5%
5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
2%
2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
1%
1% cash back on all other card purchases with no limit to the amount you can earn
Intro Offer
Earn Up To $750 Bonus Cash Back
Annual Fee
$0
Regular APR
18.49% - 24.49% Variable
Recommended Credit
670-850 (Good to Excellent)
Pros
0% introductory APR for 12 months on purchases.
$0 annual fee.
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary.
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
Cons
Big spenders might be deterred by $25,000 cap on highest bonus category purchases.
Best for premium business travel
Capital One Venture X Business
Rewards Rate
10 MILES
10 Miles per dollar on hotels and rental cars booked through Capital One Travel
5 MILES
5 Miles per dollar on flights and vacation rentals booked through Capital One Travel
2 MILES
2 Miles per dollar on every purchase, every day
Intro Offer
Earn 150,000 miles
Annual Fee
$395
Regular APR
Pay-in-full card
Recommended Credit
740-850 (Excellent)
Pros
150,000 bonus miles once you spend $30,000 in the first 3 months from account opening - equal to $1,500 in travel.
This card has no preset spending limit, so you get purchasing power that adapts to your spending needs.
Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings through Capital One Travel.
Skip the lines with up to a $100 statement credit on TSA PreCheck® or Global Entry. Then enjoy unlimited complimentary access to Capital One Lounges and a network of 1,300+ lounges worldwide, including Priority Pass™ and Plaza Premium Group lounges.
Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Travel, where you'll get the best prices on thousands of options and earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions.
Cons
$395 annual fee.
$300 credit annually, only applicable for bookings made through Capital One Travel portal.
Best for maximizing business purchases
Ink Business Preferred® Credit Card
Rewards Rate
3x
1x
Earn 3x points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
Earn 1x point per $1 on all other purchases – with no limit to the amount you can earn
Intro Offer
Earn 100,000 bonus points
Annual Fee
$95
Regular APR
21.24% - 26.24% Variable
Recommended Credit
670-850 (Good to Excellent)
Pros
100,000 bonus points after $8,000 worth of spend in the first 3 months after card opening. That's $1,250 toward travel when you redeem through Chase Travel℠.
Very reasonable $95 annual fee.
Bonus categories that are most relevant to business owners.
Perks including cellphone and purchase protection; extended warranty; trip cancellation/interruption insurance; trip delay reimbursement.
Cons
Yearly cap on bonus categories.
Best for business advertising/dining
American Express® Business Gold Card
Rewards Rate
4x
3x
1x
Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
1X is earned for other purchases. **
Intro Offer
Earn 100,000 points
Annual Fee
$375
Regular APR
19.49% - 28.49% Variable
Recommended Credit
670-850 (Good to Excellent)
Pros
100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
You'll earn 4x Membership Rewards points per dollar in the top 2 spending categories each billing cycle (on the first $150,000 in combined purchases each calendar year, then 1 point per dollar).
Both advertising and dining are categories that get 4x Membership Rewards points per dollar spent.
Cons
There may be better options for small businesses who don't spend a lot.
Best for solid cash back on business expenses
Ink Business Unlimited® Credit Card
Rewards Rate
1.5%
Earn unlimited 1.5% cash back on every purchase made for your business
Intro Offer
Earn $750 Bonus Cash Back
Annual Fee
$0
Regular APR
18.49% - 24.49% Variable
Recommended Credit
670-850 (Good to Excellent)
Pros
0% introductory APR for 12 months on purchases.
$0 annual fee.
High welcome bonus of $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Flat 1.5% cash back on all purchases.
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
Cash back can become points when paired with an eligible card.
Cons
Lacks bonus categories.
Best for airport lounge access
The Business Platinum Card® from American Express
Rewards Rate
5x
1.5x
1x
5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com
Earn 1.5X on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
1X points for each dollar you spend on eligible purchases.
Intro Offer
Earn 150,000 points
Annual Fee
$695
Regular APR
19.49% - 28.49% Variable
Recommended Credit
670-850 (Good to Excellent)
Pros
150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership - equal to ~$3,000 in travel.
The American Express Global Lounge Collection®. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
Cons
The card comes with a $695 annual fee.
Best for cash back on office supplies
Ink Business Cash® Credit Card
Rewards Rate
5%
2%
1%
5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
1% cash back on all other card purchases with no limit to the amount you can earn
Intro Offer
Earn Up To $750 Bonus Cash Back
Annual Fee
$0
Regular APR
18.49% - 24.49%
Variable
Recommended Credit
670-850 (Good to
Excellent)
Pros
0% introductory APR for 12 months on purchases.
$0 annual fee.
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary.
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
Cons
Big spenders might be deterred by $25,000 cap on highest bonus category purchases.
Best for premium business travel
Capital One Venture X Business
Rewards Rate
10 MILES
5 MILES
2 MILES
10 Miles per dollar on hotels and rental cars booked through Capital One Travel
5 Miles per dollar on flights and vacation rentals booked through Capital One Travel
2 Miles per dollar on every purchase, every day
Intro Offer
Earn 150,000 miles
Annual Fee
$395
Regular APR
Pay-in-full card
Recommended Credit
740-850 (Excellent)
Pros
150,000 bonus miles once you spend $30,000 in the first 3 months from account opening - equal to $1,500 in travel.
This card has no preset spending limit, so you get purchasing power that adapts to your spending needs.
Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings through Capital One Travel.
Skip the lines with up to a $100 statement credit on TSA PreCheck® or Global Entry. Then enjoy unlimited complimentary access to Capital One Lounges and a network of 1,300+ lounges worldwide, including Priority Pass™ and Plaza Premium Group lounges.
Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Travel, where you'll get the best prices on thousands of options and earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions.
Cons
$395 annual fee.
$300 credit annually, only applicable for bookings made through Capital One Travel portal.
Best for no annual fee
The Blue Business® Plus Credit Card from American Express
Rewards Rate
2x
1x
2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners.
2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
Intro Offer
15,000 Membership Rewards®
Annual Fee
$0
Regular APR
18.49% - 26.49% Variable
Recommended Credit
670-850 (Good to Excellent)
Pros
15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
$0 annual fee.
You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
Cons
Points are worth less when redeemed for non-travel purchases.
Best for no annual fee
The American Express Blue Business Cash™ Card
Rewards Rate
2%
1%
2% Cash Back on all eligible purchases on up to $50,000 per calendar year, then 1%.
1% Cash Back on all eligible purchases after spending $50,000 per calendar year.
Intro Offer
$250 Statement Credit
Annual Fee
$0
Regular APR
18.49% - 26.49% Variable
Recommended Credit
670-850 (Good to Excellent)
Pros
Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 3 months.
0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%.
$0 annual fee.
Cash back is automatically applied as a statement credit at the end of each billing cycle.
Cons
Big business spenders may be able to find a more lucrative business credit card, albeit for an annual fee.
Want To Get 100k+ In 0% Credit
Completely DFY?
Best for no annual fee
The Blue Business® Plus Credit Card from American Express
Rewards Rate
2x
2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners.
1x
2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
Intro Offer
15,000 Membership Rewards®
Annual Fee
$0
Regular APR
18.49% - 26.49% Variable
Recommended Credit
670-850 (Good to Excellent)
Pros
15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
$0 annual fee.
You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
Cons
Points are worth less when redeemed for non-travel purchases.
Best for no annual fee
The American Express Blue Business Cash™ Card
Rewards Rate
2%
2% Cash Back on all eligible purchases on up to $50,000 per calendar year, then 1%
1%
1% Cash Back on all eligible purchases after spending $50,000 per calendar year
Intro Offer
$250 Statement Credit
Annual Fee
$0
Regular APR
18.49% - 26.49% Variable
Recommended Credit
670-850 (Good to Excellent)
Pros
Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 3 months.
0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%.
$0 annual fee.
Cash back is automatically applied as a statement credit at the end of each billing cycle.
Cons
Big business spenders may be able to find a more lucrative business credit card, albeit for an annual fee.
Want To Get 100k+ In 0% Credit
Completely DFY?
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