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Your Best Credit Cards has partnered with CardRatings and MyBankTracker for our coverage of credit card products. Your Best Credit Cards and our partners may receive compensation from card issuers when a customer clicks on a link, when an application is approved, or when an account is opened. Some or all of the offers that appear on Your Best Credit Cards are from advertisers and may influence how and where products are displayed on the site, as well as their rankings in tables. Your Best Credit Cards does not include all card companies, banks, or all available card or bank offers. Commissions do not affect or prioritize placement within our Card Explorer results, and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

* Suggested credit score ranges for credit cards are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.

Capital One Venture Rewards Credit Card

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Capital One Venture Rewards Credit Card

(4.25) Our Review

Annual Fee:

$95

🎁 Bonus offer

75,000 Miles once you spend $4,000 on purchases within 3 months from account opening

Simple (and strong) flat-rate earning structure with 2X miles per dollar spent on almost all purchases.
Relatively modest $95 annual fee, especially considering how valuable Capital One Miles can be with the ability to either redeem for travel at a value of one cent per point, or transfer miles to a wide range of excellent hotel and airline partners.
Up to $120 statement credit to offset Global Entry or TSA PreCheck application fees and no foreign transaction fees.

Simple (and strong) flat-rate earning structure with 2X miles per dollar spent on almost all purchases.
Relatively modest $95 annual fee, especially considering how valuable Capital One Miles can be with the ability to either redeem for travel at a value of one cent per point, or transfer miles to a wide range of excellent hotel and airline partners.
Up to $120 statement credit to offset Global Entry or TSA PreCheck application fees and no foreign transaction fees.

Pros

Great sign-up bonus
Easy 2X Miles on all eligible purchases
Hertz Five Star elite status

Cons

Not as strong travel protections as the more robust Capital One Venture X Credit Card
No complimentary access to Capital One lounges or Landings, but can purchase passes at a special rate of $45
While the card is simple to use, there is effectively a lack of real bonus categories. Still, 2X miles on almost all purchases are solid

Annual Fee: $95

Foreign Transaction Fee: 0%

Min Credit Score: Good (670-739) *

Point Value:

$0.016

APR: 19.49%-28.49% (Variable)

Balance transfer fees: Balance Transfer Fee applies to balances transferred at a promotional rate

2x-5x
Hotels

Earn 5X when booked through Capital One Travel; else earn 2X (Includes Vacation Rentals)
2x-5x
Car Rentals

Earn 5X when booked through Capital One Travel; else earn 2X
2x
Everything Else

Chase Freedom Unlimited®

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Chase Freedom Unlimited®

(4.25) Our Review

Annual Fee:

⚠️Offer Ending Soon

Limited Time Offer:

Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening.

This is awarded as 25,000 Ultimate Rewards Points, transferrable to airline / hotel partners if you also hold a Chase Sapphire Reserve®, Chase Sapphire Preferred®, Sapphire Reserve for Business℠ or an Ink Business Preferred®.

0% Intro APR offers for both new purchases and balance transfers
Simple earning structure with 3% back on drugstore purchases and dining and 1.5% on everyday purchases
Comes with shopping benefits like Purchase Protection and Extended Warranty

0% Intro APR offers for both new purchases and balance transfers
Simple earning structure with 3% back on drugstore purchases and dining and 1.5% on everyday purchases
Comes with shopping benefits like Purchase Protection and Extended Warranty

Pros

No annual fee
0% Intro APR offers on both purchases and balance transfers
Points earned can be combined with other cards that earn Chase Ultimate Rewards®

Cons

Cannot transfer points to airline or hotel partners unless you also have a Chase Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred
Carries a foreign transaction fee of 3%
Limited travel protections and no bonus points on travel purchases

Annual Fee: $0

Foreign Transaction Fee: 3% of each transaction in U.S. dollars

Min Credit Score: Good (670-739) *

Point Value:

$0.01-$0.0175

APR: 0 % Intro APR (on purchases for 15 months, 18.24%-27.74% thereafter)

Balance transfer fees: Either $5 or 5% of the amount of each balance transfer, whichever is greater.

3x
Dining Out / Food Delivery
3x
Drugstores
1.5x-5x
Airfare

Earn the higher multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 1.5X points.
1.5x-5x
Car Rentals

Earn the higher multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 1.5X points.
1.5x-5x
Hotels

Earn the higher multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 1.5X points.
1.5x
Everything Else

Marriott Bonvoy Brilliant® American Express® Card

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Marriott Bonvoy Brilliant® American Express® Card

(3.7) Our Review

Annual Fee:

$650 (Rates and fees)

👑 Best Ever Offer

Earn 200,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership. Offer Ends 5/13/2026. Terms apply.

Top-tier Marriott benefits, including complimentary Marriott Bonvoy® Platinum Elite Status and an annual free night award as well as 25 elite night credits towards earning Titanium or Ambassador status
Potential to earn an Earned Choice Award every year by spending $60,000+ on this Marriott credit card in a calendar year
The card offers an up to $300 dining statement credit, which can cut down the annual fee by nearly half

Top-tier Marriott benefits, including complimentary Marriott Bonvoy® Platinum Elite Status and an annual free night award as well as 25 elite night credits towards earning Titanium or Ambassador status
Potential to earn an Earned Choice Award every year by spending $60,000+ on this Marriott credit card in a calendar year
The card offers an up to $300 dining statement credit, which can cut down the annual fee by nearly half

Pros

Annual free night award presents immense value with a redemption level of up to 85,000 bonus points
Automatic Marriott Bonvoy® Platinum Elite Status comes with free lounge access or breakfast (where available), 4pm checkout (with resorts and convention center properties excluded), and can give you access to space-available suite upgrades
Top-notch travel benefits, including Priority Pass™ Select airport lounge membership (enrollment required), Global Entry/TSA PreCheck reimbursement, trip cancellation and interruption insurance and more

Cons

$650 annual fee is top-of-the-line when it comes to hotel credit cards
The earning rate isn't as rewarding as many other credit cards, with only up to 3x bonus points on non-Marriott purchases
The up to $100 Marriott property credit requires a minimum of a 2-night stay booked directly at St. Regis or Ritz-Carlton properties only

Annual Fee: $650 (Rates and fees)

Foreign Transaction Fee: 0%

Min Credit Score: Good *

Point Value:

$0.0055

APR: 19.49%-28.49% (Variable)

3x
Airfare
3x
Dining Out / Food Delivery

3x points at restaurants worldwide (and food delivery apps in the U.S.)
2x-6x
Hotels

6X points only applies to Marriott Bonvoy hotels and resorts booked directly through Marriott. Otherwise, earn 2X
2x
All Other Eligible Purchases

Marriott Bonvoy Bevy™ American Express® Card

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Marriott Bonvoy Bevy™ American Express® Card

(3.78) Our Review

Annual Fee:

$250 (Rates and fees)

👑 Best Ever Offer

Earn 175,000 Marriott Bonvoy® bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership. Offer Ends 5/13/2026. Terms apply.

The card helps you earn Marriott Bonvoy points faster, with 6x points per dollar spend on the card at a Bonvoy property and 1,000 bonus points on every eligible Marriott stay
Complimentary Marriott Bonvoy® Gold elite status as well as 15 annual elite night credits to help you qualify for higher ranks
Potential to earn a free night award upon spending $15,000+ on the card per calendar year, which is worth around $300, based on our valuation of Marriott Bonvoy points

The card helps you earn Marriott Bonvoy points faster, with 6x points per dollar spend on the card at a Bonvoy property and 1,000 bonus points on every eligible Marriott stay
Complimentary Marriott Bonvoy® Gold elite status as well as 15 annual elite night credits to help you qualify for higher ranks
Potential to earn a free night award upon spending $15,000+ on the card per calendar year, which is worth around $300, based on our valuation of Marriott Bonvoy points

Pros

Complimentary Marriott Bonvoy® Gold elite status just by holding the card
On top of the 6x points earning rate at Marriott Bonvoy properties, you can earn 1,000 bonus points for every eligible Marriott Bonvoy stay
Travel and purchase protections (See Card Details for benefits and disclosures)

Cons

The Bevy free night award is not given automatically; you must spend at least $15,000 on the card per calendar year
$250 annual fee is a bit steep, especially for the benefits provided in comparison to the Brilliant and the Boundless cards.
Marriott Bonvoy® Gold elite status isn't as competitive as other hotel loyalty program benefits, considering that The Platinum Card® from American Express offers both complimentary Marriott Gold and Hilton Gold status upon enrollment

Annual Fee: $250 (Rates and fees)

Foreign Transaction Fee: 0%

Min Credit Score: Good *

Point Value:

$0.0055

APR: 19.49%-28.49% (Variable)

6x
Hotels

Earn 6X points when staying at a Marriott Bonvoy participating hotel booked directly through Marriott or the hotel; else earn 2X
4x
Dining Out / Food Delivery

Earn 4x points at restaurants worldwide (and food delivery apps in the U.S.)
4x
Supermarkets

U.S. Supermarkets only. * American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)
2x
All Other Eligible Purchases

The Platinum Card® from American Express

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The Platinum Card® from American Express

(4.33) Our Review

Annual Fee:

$895 (Rates and fees)

🎁 Bonus offer

As High As 175,000 points. Find Out Your Offer. You may be eligible for as high as 175,000 Membership Rewards® Points after spending $12,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer. Terms apply.

With over $3,500 in annual value, this is a premium travel rewards card with benefits galore. (Terms apply.) Note: Aside from the listed bonus categories, earn 1X on all other eligible purchases.
The Platinum Card® hasn't shed its travel roots, but it’s expanded beyond to become a lifestyle card with perks like Uber, lululemon, Oura Ring, Equinox, and more. (Enrollment required)
American Express Membership Rewards® points are extremely flexible, with the option to redeem for travel directly through Amex Travel or transfer to a wide range of airline and hotel partners.

With over $3,500 in annual value, this is a premium travel rewards card with benefits galore. (Terms apply.) Note: Aside from the listed bonus categories, earn 1X on all other eligible purchases.
The Platinum Card® hasn't shed its travel roots, but it’s expanded beyond to become a lifestyle card with perks like Uber, lululemon, Oura Ring, Equinox, and more. (Enrollment required)
American Express Membership Rewards® points are extremely flexible, with the option to redeem for travel directly through Amex Travel or transfer to a wide range of airline and hotel partners.

Pros

A wide array of travel and lifestyle credits and exclusive access that can enhance your life.
There is no better card for the breadth and variety of airport lounge access worldwide. Plus, the Centurion Lounge network is the largest amongst credit card issuers.
One of the best cards to earn points on airfare: 5 points per dollar on airfare purchased directly with airlines or through the Amex Travel portal (on up to $500,000 of airfare purchases per calendar year).

Cons

High annual fee that will require a bit of work to fully maximize.
Besides airfare and select hotels, it's not the best card to use for other purchases as it only earns 1X on categories outside of flights booked directly with the airlines (5X) or through the Amex Travel portal (5X on up to $500,000 of airfare purchases per calendar year) and 5X points for prepaid hotels booked with Amex Travel.
Car rental insurance is only secondary, not primary as it is with premium cards from Chase and Capital One.

Annual Fee: $895 (Rates and fees)

Foreign Transaction Fee: 0%

Min Credit Score: Good *

Point Value:

$0.017

5x
Airfare

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®.
1x-5x
Hotels

Earn 5X only when booked via AmexTravel.com; Otherwise, hotels will earn 1X points per dollar spent
1x
All Other Eligible Purchases

Chase Sapphire Preferred® Card

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Chase Sapphire Preferred® Card

(4.05) Our Review

Annual Fee:

$95

☝ Increased Offer

Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

Earns valuable and highly flexible Chase Ultimate Rewards points
Extensive travel protections — including lost luggage insurance and a collision damage waiver on rental cars up to $60,000 (Primary except in NY where it is secondary)
3X points on dining means you can rack up points quickly!

Earns valuable and highly flexible Chase Ultimate Rewards points
Extensive travel protections — including lost luggage insurance and a collision damage waiver on rental cars up to $60,000 (Primary except in NY where it is secondary)
3X points on dining means you can rack up points quickly!

Pros

You can offset the annual fee by more than half with the $50 annual credit on hotel stays purchased through Chase Travel℠
Earns valuable and highly flexible Chase Ultimate Rewards points.
Extensive travel protections — including lost luggage insurance and a damage waiver on rental cars.

Cons

A low earning rate of 1x point per dollar on other purchases keeps it from being an ideal everyday spending card.
High credit scores required for account opening.
Lack of travel benefits like a Global Entry application fee credit.

Annual Fee: $95

Foreign Transaction Fee: 0%

Min Credit Score: Good (670-739) *

Point Value:

$0.01-$0.0175

APR: 19.24%-27.49% (Variable)

Balance transfer fees: Either $5 or 5% of the amount of each transfer, whichever is greater.

3x
Dining Out / Food Delivery
3x
Streaming Services
2x-5x
Airfare

Earn the higher multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.
2x
Transit
2x-5x
Car Rentals

Earn the higher multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.
2x-5x
Hotels

Earn the higher multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.
2x-3x
Cruises

Earn the higher multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.
1x
Everything Else

Chase Sapphire Reserve®

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Chase Sapphire Reserve®

(4.5) Our Review

Annual Fee:

$795

☝ Increased Offer

Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.

Earns extremely valuable Chase Ultimate Rewards points
Chase Sapphire Lounge by the Club and Priority Pass Select airport lounge access for you and 2 guests, including Priority Pass Experiences
The potential for more than $2,700 in annual value in benefits and statement credits.

Earns extremely valuable Chase Ultimate Rewards points
Chase Sapphire Lounge by the Club and Priority Pass Select airport lounge access for you and 2 guests, including Priority Pass Experiences
The potential for more than $2,700 in annual value in benefits and statement credits.

Pros

Aside from a $300 annual credit on travel, you'll earn up to 8X on all travel purchases made via Chase Travel℠
Chase Sapphire Lounge by the Club and Priority Pass Select airport lounge access for you and 2 guests, including Priority Pass Experiences
The potential for more than $2,700 in annual value in benefits and statement credits.

Cons

High annual fee
Not as many bonus categories as some other cards
If booking travel directly (rather than via Chase Travel℠), 4X bonus categories are limited to Airfare and Hotels booked directly but not all travel.

Annual Fee: $795

Foreign Transaction Fee: 0%

Min Credit Score: Excellent (800-850) *

Point Value:

$0.01-$0.0175

APR: 19.49%-27.99% (Variable)

Balance transfer fees: Either $5 or 5% of the amount of each transfer, whichever is greater.

4x-8x
Airfare

8X only applies to bookings made via Chase Travel℠. Otherwise earn 4X points per dollar if booked directly with the airline. Bookings via any other channel earn 1X.
4x-8x
Hotels

8X only applies to bookings made via Chase Travel℠. Otherwise earn 4X points per dollar if booked directly with the hotel. Bookings via any other channel earn 1X.
3x
Dining Out / Food Delivery
1x-8x
Car Rentals

Only applies to bookings made via Chase Travel℠. Otherwise earn 1X.
1x
Everything Else

Capital One Venture X Rewards Credit Card

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Capital One Venture X Rewards Credit Card

(4.38) Our Review

Annual Fee:

$395

🎁 Bonus offer

Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening.

With a $300 annual travel credit and 10,000 miles (worth $100) each year at renewal, the credits you receive are actually worth more than the annual fee.
Access to Capital One lounges and Landings and participating Priority Pass™ lounges
Capital One Miles are extremely flexible, with the option to redeem for travel at a value of one cent per point, or transfer to a wide range of excellent air and hotel partners.

With a $300 annual travel credit and 10,000 miles (worth $100) each year at renewal, the credits you receive are actually worth more than the annual fee.
Access to Capital One lounges and Landings and participating Priority Pass™ lounges
Capital One Miles are extremely flexible, with the option to redeem for travel at a value of one cent per point, or transfer to a wide range of excellent air and hotel partners.

Pros

The annual fee is more than covered by annual credits
Comes with access to Capital One lounges and Landings and participating Priority Pass™ lounges
Authorized users also get the upgraded Hertz status like the primary card holder

Cons

The annual fee, while effectively negative $5 after credits, can feel like a lot.
Aside from bonus points for booking through Capital One Travel, there are no bonus categories. Still, all eligible purchases do earn 2X miles per dollar spent which is great.
Points don't transfer to any domestic airlines, although you can use other partners to book domestic award tickets on domestic airlines.

Annual Fee: $395

Foreign Transaction Fee: 0%

Min Credit Score: Excellent (800-850) *

Point Value:

$0.016

APR: 19.49%-28.49% (Variable)

Balance transfer fees: Balance Transfer Fee applies to balances transferred at a promotional rate

2x-5x
Airfare

5X only applies to bookings made via Capital One Travel; Earn 2X otherwise.
2x-10x
Car Rentals

10X only applies to bookings made via Capital One Travel; Earn 2X otherwise.
2x-10x
Hotels

10X only applies to bookings made via Capital One Travel; Earn 2X otherwise.
2x
Everything Else

Chase Freedom Unlimited®

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Chase Freedom Unlimited®

(4.25) Our Review

Annual Fee:

⚠️Offer Ending Soon

Limited Time Offer:

Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening.

0% Intro APR offers for both new purchases and balance transfers
Simple earning structure with 3% back on drugstore purchases and dining and 1.5% on everyday purchases
Comes with shopping benefits like Purchase Protection and Extended Warranty

0% Intro APR offers for both new purchases and balance transfers
Simple earning structure with 3% back on drugstore purchases and dining and 1.5% on everyday purchases
Comes with shopping benefits like Purchase Protection and Extended Warranty

Pros

No annual fee
0% Intro APR offers on both purchases and balance transfers
Points earned can be combined with other cards that earn Chase Ultimate Rewards®

Cons

Cannot transfer points to airline or hotel partners unless you also have a Chase Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred
Carries a foreign transaction fee of 3%
Limited travel protections and no bonus points on travel purchases

Annual Fee: $0

Foreign Transaction Fee: 3% of each transaction in U.S. dollars

Min Credit Score: Good (670-739) *

Point Value:

$0.01-$0.0175

APR: 0 % Intro APR (on purchases for 15 months, 18.24%-27.74% thereafter)

Balance transfer fees: Either $5 or 5% of the amount of each balance transfer, whichever is greater.

3x
Dining Out / Food Delivery
3x
Drugstores
1.5x-5x
Airfare

Earn the higher multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 1.5X points.
1.5x-5x
Car Rentals

Earn the higher multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 1.5X points.
1.5x-5x
Hotels

Earn the higher multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 1.5X points.
1.5x
Everything Else

Blue Cash Preferred® Card from American Express

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Blue Cash Preferred® Card from American Express

(4.08) Our Review

Annual Fee:

$0 Introductory Annual Fee for the first year, then $95 (Rates and fees)

☝ Increased Offer

As High As $300 Cash Back. Find Out Your Offer. You may be eligible for as high as $300 cash back after spending $3,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.

Earn 6% cash back on eligible U.S. supermarket purchases (up to the first $6,000 spent; then 1% cash back). If maximized, you could earn an outstanding $360 in cash back per year from U.S. supermarkets alone!
Other important cash back bonus categories, such as 6% on select U.S. streaming services, 3% on transit and at U.S. gas stations on eligible purchases; and 1% on all other eligible purchases.
$0 Introductory Annual Fee for the first year, then $95

Earn 6% cash back on eligible U.S. supermarket purchases (up to the first $6,000 spent; then 1% cash back). If maximized, you could earn an outstanding $360 in cash back per year from U.S. supermarkets alone!
Other important cash back bonus categories, such as 6% on select U.S. streaming services, 3% on transit and at U.S. gas stations on eligible purchases; and 1% on all other eligible purchases.
$0 Introductory Annual Fee for the first year, then $95

Pros

Industry-leading 6% cash back rate for U.S. supermarket spending (up to the first $6,000 per year) and select U.S. streaming subscriptions
Monthly statement credits for The Disney+ Bundle that could potentially save you hundreds of dollars per year
0% intro APR for purchases and balance transfers during the first 12 months of account opening (See "Key Facts" and rates & fees for details)

Cons

Charges a $95 annual fee every year after the $0 introductory annual fee the first year
This card's foreign transaction fee clocks in at 2.7%
Blue Cash reward dollars are limited to cash back redemptions

Annual Fee: $0 Introductory Annual Fee for the first year, then $95 (Rates and fees)

Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.

Min Credit Score: Good *

Point Value:

$0.01

APR: 0 % Intro APR (on purchases for 12 months, 19.49%-28.49% thereafter)

Balance transfer fees: Either $5 or 3% of the amount of each transfer, whichever is greater.

6x
Supermarkets

At U.S. Supermarkets on the first $6,000 of yearly spend; 1X thereafter. * American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)
6x
Streaming Services

On select U.S. Streaming Services
3x
Transit
3x
Gas Stations

At U.S. Gas Stations
1x
All Other Eligible Purchases

Blue Cash Everyday® Card from American Express

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Blue Cash Everyday® Card from American Express

(4.38) Our Review

Annual Fee:

$0 (Rates and fees)

🎁 Bonus offer

As High As $200 Cash Back. Find Out Your Offer. You may be eligible for as high as $200 cash back after spending $2,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.

A robust array of rewards categories and rates for no annual fee, plus a decent welcome bonus for new cardholders.
The two monthly statement credits available for select Disney streaming and Home Chef purchases are a rarity for a no-annual-fee card.
There is an introductory APR offer on purchases and balance transfers, giving cardholders the chance to save on interest. Terms Apply.

A robust array of rewards categories and rates for no annual fee, plus a decent welcome bonus for new cardholders.
The two monthly statement credits available for select Disney streaming and Home Chef purchases are a rarity for a no-annual-fee card.
There is an introductory APR offer on purchases and balance transfers, giving cardholders the chance to save on interest. Terms Apply.

Pros

No annual fee and with the provided statement credit offered, you can actually come out ahead.
Generous cash back earning (in the form of "Reward Dollars") on three everyday spending categories: 3% cash back at U.S. supermarkets, U.S. gas stations and U.S. online retail purchases of up to $6,000 per calendar year in purchases in each category (then 1%), and 1% cash back on other eligible purchases.
Access to Amex Offers, providing the opportunity to earn even more cash back.

Cons

Cash back is earned as "Reward Dollars" for a statement credit and can't be converted to Amex Membership Rewards points.
There is a limit of $6,000 in spending per year in each eligible 3% cash back bonus category. All other purchases after this earn only 1% cash back.
This cash-back credit card carries a 2.7 percent foreign transaction (Rates and Fees).

Annual Fee: $0 (Rates and fees)

Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.

Min Credit Score: Good *

Point Value:

$0.01

APR: 0 % Intro APR (on purchases for 15 months, 19.49%-28.49% thereafter)

Balance transfer fees: Either $5 or 3% of the amount of each transfer, whichever is greater.

3x
Gas Stations

U.S. Gas Stations, up to $6,000 per calendar year in purchases (then 1% thereafter)
3x
Supermarkets

Up to $6,000 per calendar year in purchases in each category (then 1% thereafter). At U.S. Supermarkets. * American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)
3x
Online Retail Shopping

U.S. Online Retail Shopping, up to $6,000 per calendar year in purchases (then 1% thereafter)
1x
All Other Eligible Purchases

Chase Ink Business Cash® Credit Card

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Chase Ink Business Cash® Credit Card

(4.83) Our Review

Annual Fee:

🎁 Bonus offer

Earn $750 when you spend $6,000 on purchases in the first three months after account opening.

This is awarded as 75,000 Ultimate Rewards Points, transferrable if you also hold a Sapphire Preferred®, Sapphire Reserve®, Ink Business Preferred®, or Sapphire Reserve for Business℠.

Earns 5X on office supply stores, cable, internet, and phone
Points earned can be transferred to other eligible Chase Ultimate Rewards cards
No annual fee

Earns 5X on office supply stores, cable, internet, and phone
Points earned can be transferred to other eligible Chase Ultimate Rewards cards
No annual fee

Pros

Great 5X (office supplies, cable, internet, phone) and 2X (gas stations and dining) bonus categories – on up to $25,000 in combined purchases each cardmember year.
No annual fee
Points earned can be combined to a Chase Ink Preferred®, Chase Sapphire Preferred® Card, or Chase Sapphire Reserve® Card

Cons

Charges a foreign transaction fee
Rewards earned are only cash back unless you have a Chase Ink Preferred®, Chase Sapphire Preferred® Card, or Chase Sapphire Reserve® Card to unlock points transfers
Earns only 1% on non-bonus categories

Annual Fee: $0

Foreign Transaction Fee: 3% of each transaction in U.S. dollars

Min Credit Score: Good (670-739) *

Point Value:

$0.01-$0.0175

APR: 0 % Intro APR (on purchases for 12 months, 16.74%-24.74% thereafter)

Balance transfer fees: Either $5 or 5% of the amount of each transfer, whichever is greater.

5x
Cable / Internet / Phone
5x
Cellular Phone Service
5x
Office Supplies
2x
Gas Stations
2x
Dining Out / Food Delivery
1x
Everything Else

Chase Ink Business Cash® Credit Card

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Chase Ink Business Cash® Credit Card

(4.83) Our Review

Annual Fee:

🎁 Bonus offer

Earn $750 when you spend $6,000 on purchases in the first three months after account opening.

This is awarded as 75,000 Ultimate Rewards Points, transferrable if you also hold a Sapphire Preferred®, Sapphire Reserve®, Ink Business Preferred®, or Sapphire Reserve for Business℠.

Earns 5X on office supply stores, cable, internet, and phone
Points earned can be transferred to other eligible Chase Ultimate Rewards cards
No annual fee

Earns 5X on office supply stores, cable, internet, and phone
Points earned can be transferred to other eligible Chase Ultimate Rewards cards
No annual fee

Pros

Great 5X (office supplies, cable, internet, phone) and 2X (gas stations and dining) bonus categories – on up to $25,000 in combined purchases each cardmember year.
No annual fee
Points earned can be combined to a Chase Ink Preferred®, Chase Sapphire Preferred® Card, or Chase Sapphire Reserve® Card

Cons

Charges a foreign transaction fee
Rewards earned are only cash back unless you have a Chase Ink Preferred®, Chase Sapphire Preferred® Card, or Chase Sapphire Reserve® Card to unlock points transfers
Earns only 1% on non-bonus categories

Annual Fee: $0

Foreign Transaction Fee: 3% of each transaction in U.S. dollars

Min Credit Score: Good (670-739) *

Point Value:

$0.01-$0.0175

APR: 0 % Intro APR (on purchases for 12 months, 16.74%-24.74% thereafter)

Balance transfer fees: Either $5 or 5% of the amount of each transfer, whichever is greater.

5x
Cable / Internet / Phone
5x
Cellular Phone Service
5x
Office Supplies
2x
Gas Stations
2x
Dining Out / Food Delivery
1x
Everything Else

Chase Ink Business Unlimited® Credit Card

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Chase Ink Business Unlimited® Credit Card

(4.38) Our Review

Annual Fee:

🎁 Bonus offer

Earn $750 when you spend $6,000 on purchases in the first three months after account opening.

This is awarded as 75,000 Ultimate Rewards Points, transferrable if you also hold a Sapphire Preferred®, Sapphire Reserve®, Ink Business Preferred®, or Sapphire Reserve for Business℠.

Simple. Earn 1.5% cash back on all purchases
Rich signup bonus
No annual fee

Simple. Earn 1.5% cash back on all purchases
Rich signup bonus
No annual fee

Pros

With 1.5% cash back on all purchases, it's a perfect "default" card for purchases not in a bonus category on your other cards
No annual fee
Points earned can be transferred to your Chase Ink Preferred®, Sapphire Preferred® Card, or Sapphire Reserve® Card

Cons

Comes with a foreign transaction fee when travelling or making a purchase in a foreign currency
Rewards earned are only cash back, although you can transfer the Ultimate Rewards points earned to a Chase Ink Preferred®, Sapphire Preferred® Card, or Sapphire Reserve® Card to enable airline and hotel points transfers
No bonus spend categories

Annual Fee: $0

Foreign Transaction Fee: 3% of each transaction in U.S. dollars

Min Credit Score: Good (670-739) *

Point Value:

$0.01-$0.0175

APR: 0 % Intro APR (on purchases for 12 months, 16.74%-24.74% thereafter)

Balance transfer fees: Either $5 or 5% of the amount of each transfer, whichever is greater.

1.5x
Everything Else

The Blue Business® Plus Credit Card from American Express

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The Blue Business® Plus Credit Card from American Express

(4.28) Our Review

Annual Fee:

$0 (Rates and fees)

🎁 Bonus offer

Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. Terms Apply.

2X points rewards rate on all eligible purchases (up to the first $50,000 spent per calendar year), then 1X
No annual fee; plus, add employee cards for no additional cost
Business expense management tools and expanded buying power ability

2X points rewards rate on all eligible purchases (up to the first $50,000 spent per calendar year), then 1X
No annual fee; plus, add employee cards for no additional cost
Business expense management tools and expanded buying power ability

Pros

No annual fee, making the Blue Business Plus a great starter card for new or small business owners
Earn 2X Membership Rewards points on purchases (capped at the first $50,000 in a year)
Business expense management tools and expanded buying power ability

Cons

The 2x earning rate is capped at $50,000 per year
Charges a foreign transaction fee

Annual Fee: $0 (Rates and fees)

Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.

Min Credit Score: Good *

Point Value:

$0.017

APR: 0 % Intro APR (on purchases for 12 months, 16.74%-26.74% thereafter)

2x
Airfare
2x
Transit
2x
Car Rentals
2x
Cable / Internet / Phone
2x
Costco
2x
Gas Stations
2x
Cellular Phone Service
2x
Dining Out / Food Delivery
2x
Hotels
2x
Lyft
2x
Office Supplies
2x
Shipping
2x
Single Charges over $5,000
2x
Supermarkets
2x
Cruises
2x
Drugstores
2x
Streaming Services
2x
Gym Memberships
2x
Advertising (Online / TV / Radio)
2x
Entertainment (Concerts / Shows / Movies)
2x
Advertising on Search Engines and Social Media

The Business Platinum Card® from American Express

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The Business Platinum Card® from American Express

(4.5) Our Review

Annual Fee:

$895 (Rates and fees)

👑 Best Ever Offer

You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Terms apply.

With an array of both luxury travel perks and small business benefits, this is the ultimate premium card for high-spenders.
Generous protections when using the card to make purchases that provide genuine peace of mind.
Amex Membership Rewards® points are extremely valuable, especially for their ability to be transferred to hotel and airline partners.

With an array of both luxury travel perks and small business benefits, this is the ultimate premium card for high-spenders.
Generous protections when using the card to make purchases that provide genuine peace of mind.
Amex Membership Rewards® points are extremely valuable, especially for their ability to be transferred to hotel and airline partners.

Pros

Robust 5x Membership Rewards® on flights and prepaid hotels at Amex Travel
Access to over 1,550 worldwide airport lounges as part of the American Express Global Lounge Collection including Centurion Lounges, Priority Pass™ Select membership, and more.
Unlock over $3,500 in business and travel value annually on the Business Platinum Card.

Cons

High annual fee of $895
While there are variety of generous statement credits, they are mostly specific to certain merchants: i.e. Dell, Adobe, Indeed, etc.
Airline fee credit does not cover airfare, only incidentals like checked baggage fees or other incidentals.

Annual Fee: $895 (Rates and fees)

Foreign Transaction Fee: 0%

Min Credit Score: Good *

Point Value:

$0.017

APR: 17.74%-28.49% (Variable)

2x
Single Charges over $5,000

On up to $2 million in eligible purchases in the U.S., per calendar year, in all 2X bonus categories.
2x
U.S. Electronic Goods Retailers / Software / Cloud System Providers

On up to $2 million in eligible purchases in the U.S., per calendar year, in all 2X bonus categories.
2x
Shipping

On up to $2 million in eligible purchases in the U.S., per calendar year, in all 2X bonus categories.
1x-5x
Airfare

Must be booked via Amex Travel to earn 5X; otherwise earn 1X
1x-5x
Hotels

Must be booked via Amex Travel to earn 5X; otherwise earn 1X
1x
All Other Eligible Purchases