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Chase Ink Business Unlimited® Credit Card

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Chase Ink Business Unlimited® Credit Card

(4.38) Our Review

Annual Fee:

⌛ Limited Time Offer

Earn $1,000 when you spend $8,000 on purchases in the first four months after account opening.

This is awarded as 100,000 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 on Purchases: 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

Chase Ink Business Cash® Credit Card

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Chase Ink Business Cash® Credit Card

(4.83) Our Review

Annual Fee:

⌛ Limited Time Offer

Earn $1,000 when you spend $8,000 on purchases in the first four months after account opening.

This is awarded as 100,000 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 on Purchases: 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

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. Find out your offer. Terms Apply.

As High As 300,000 points. Find Out Your 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.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
See how you can unlock over $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That's up to $360 back per year. Enrollment required.
Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That's up to $120 back per year. Enrollment required.
2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
5X points on flights and prepaid hotels on AmexTravel.com
1X points on other eligible purchases
Terms Apply.

As High As 300,000 points. Find Out Your 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.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
See how you can unlock over $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That's up to $360 back per year. Enrollment required.
Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That's up to $120 back per year. Enrollment required.
2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
5X points on flights and prepaid hotels on AmexTravel.com
1X points on other eligible purchases
Terms Apply.

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 $4,000 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

Chase Sapphire Reserve®

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Chase Sapphire Reserve®

(4.5) Our Review

Annual Fee:

$795

🎁 Bonus offer

Earn 100,000 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 $3,000 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 $3,000 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 $3,000 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

The Platinum Card® from American Express

How to apply Card Details

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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.

You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you're approved and find out your exact welcome offer amount – all with no credit score impact. If you're approved and choose to accept the Card, your score may be impacted.
Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
With over 1,550 airport lounges – more than any other credit card company on the market* – enjoy the benefits of the Global Lounge Collection, over $850 of annual value, with access to Centurion Lounges, 10 Delta Sky Club visits (subject to visit limitations) when flying on an eligible Delta flight, Priority Pass™ membership (enrollment required), and other select partner lounges. *As of 01/2026
$200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
$300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
$600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
$400 Resy Credit + Platinum Nights™ by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to pay for eligible purchases with Resy, including dining purchases at over 10,000 qualifying U.S. Resy restaurants. Enrollment required. As a Platinum Card® Member you have special access to reservations on select nights at participating sought after Resy restaurants in select cities through Platinum Nights™ by Resy.Simply add your Platinum Card® to your Resy profile to book your reservation.
$219 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $219 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in, when available, and guaranteed 4PM late check-out.
$300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That's up to $300 in statement credits each calendar year. Enrollment required.
$155 Walmart+ Credit: Get up to a $12.95* statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Platinum Card®. *Up to $12.95 plus applicable taxes on one membership fee.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
$895 annual fee.
Terms Apply.

You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you're approved and find out your exact welcome offer amount – all with no credit score impact. If you're approved and choose to accept the Card, your score may be impacted.
Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
With over 1,550 airport lounges – more than any other credit card company on the market* – enjoy the benefits of the Global Lounge Collection, over $850 of annual value, with access to Centurion Lounges, 10 Delta Sky Club visits (subject to visit limitations) when flying on an eligible Delta flight, Priority Pass™ membership (enrollment required), and other select partner lounges. *As of 01/2026
$200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
$300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
$600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
$400 Resy Credit + Platinum Nights™ by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to pay for eligible purchases with Resy, including dining purchases at over 10,000 qualifying U.S. Resy restaurants. Enrollment required. As a Platinum Card® Member you have special access to reservations on select nights at participating sought after Resy restaurants in select cities through Platinum Nights™ by Resy.Simply add your Platinum Card® to your Resy profile to book your reservation.
$219 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $219 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in, when available, and guaranteed 4PM late check-out.
$300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That's up to $300 in statement credits each calendar year. Enrollment required.
$155 Walmart+ Credit: Get up to a $12.95* statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Platinum Card®. *Up to $12.95 plus applicable taxes on one membership fee.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
$895 annual fee.
Terms Apply.

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

👑 Best Ever Offer

Earn 100,000 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, emergency evacuation, and a collision damage waiver on rental cars, primary in most states.
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, emergency evacuation, and a collision damage waiver on rental cars, primary in most states.
3X points on dining means you can rack up points quickly!

Pros

You can more than offset the annual fee by more than half with the $100 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, emergency evacuation, and a collision damage waiver on rental cars, primary in most states.

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 additional travel benefits, though it now has a Global Entry application fee credit and Emergency Evacuation coverage.

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
3x
Gas Stations
3x
EV Charging
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. 3X Points on Vacation Rentals Bookings through Airbnb, Vrbo, Plum Guide, HomeAway, Homestay.com, and Vacasa now earn 3X 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

🎁 Bonus offer

Earn 100,000 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 $3,000 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 $3,000 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 $3,000 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

How to apply Card Details

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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:

🎁 Bonus offer

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

This is awarded as 20,000 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 on Purchases: 0 % Intro APR (on purchases for 15 months, 18.24%-27.74% thereafter)

APR on Balance Transfers: 0% Intro APR (on balance transfers for 15 months, 18.24%-27.74% thereafter)

Balance transfer fees: Either $5 or 5% of the amount of each 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.

Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $3,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
$0 intro annual fee for the first year, then $95.
Enjoy 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.49%-28.49%.
Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don't have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you'll still earn rewards on purchases the way you usually do.
Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
Terms Apply.

Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $3,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
$0 intro annual fee for the first year, then $95.
Enjoy 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.49%-28.49%.
Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don't have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you'll still earn rewards on purchases the way you usually do.
Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
Terms Apply.

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

APR on Balance Transfers: 0% Intro APR (on balance transfers 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

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.

Terms Apply.

Apply and find out your welcome offer. As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $2,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
No Annual Fee.
Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, your APR will be a variable APR of 19.49%-28.49%.
Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
Terms Apply.

Apply and find out your welcome offer. As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $2,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
No Annual Fee.
Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, your APR will be a variable APR of 19.49%-28.49%.
Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
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 on Purchases: 0 % Intro APR (on purchases for 15 months, 19.49%-28.49% thereafter)

APR on Balance Transfers: 0% Intro APR (on balance transfers 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:

⌛ Limited Time Offer

Earn $1,000 when you spend $8,000 on purchases in the first four months after account opening.

This is awarded as 100,000 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 on Purchases: 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:

⌛ Limited Time Offer

Earn $1,000 when you spend $8,000 on purchases in the first four months after account opening.

This is awarded as 100,000 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 on Purchases: 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:

⌛ Limited Time Offer

Earn $1,000 when you spend $8,000 on purchases in the first four months after account opening.

This is awarded as 100,000 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 on Purchases: 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.

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.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% – 28.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
Earn 2X 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. Terms and limitations apply.
You've got the power to spend above your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
No Annual Fee
Terms Apply.

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.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% – 28.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
Earn 2X 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. Terms and limitations apply.
You've got the power to spend above your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
No Annual Fee
Terms Apply.

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 on Purchases: 0 % Intro APR (on purchases for 12 months, 16.74%-28.49% 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

As High As 300,000 points. Find Out Your 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.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
See how you can unlock over $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That's up to $360 back per year. Enrollment required.
Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That's up to $120 back per year. Enrollment required.
2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
5X points on flights and prepaid hotels on AmexTravel.com
1X points on other eligible purchases
Terms Apply.

As High As 300,000 points. Find Out Your 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.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
See how you can unlock over $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That's up to $360 back per year. Enrollment required.
Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That's up to $120 back per year. Enrollment required.
2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
5X points on flights and prepaid hotels on AmexTravel.com
1X points on other eligible purchases
Terms Apply.

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 $4,000 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