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The Blue Business® Plus Credit Card from American Express
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
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.
** For personal Amex Platinum cardholders only **
Platinum Card® Members get 40% more Hilton Honors™ Points when you transfer Membership Rewards® points through from May 9 to May 31. Offer is only available to current Platinum Card Members on a Platinum Account opened on or before April 20, 2024. Terms apply.
Please note: This transfer bonus is part of the American Express 40th Birthday celebration for The Platinum Card® from American Express. Only personal U.S. Platinum Card® cardholders are eligible. It seems that those holding personal Platinum cards like the Schwab Platinum Card are elso eligible – however, many people that are eligible are not seeing the offer in their account so make sure you see the 40% bonus before transfering!
While it’s always hard to recommend speculative transfers, Hilton points have gotten more attractive since announcing that SLH hotels will be fully integrated into Hilton Honors (See Dave’s recent musing about his thinking on how Hilton points may be becoming more valuable). And as long as you have at least the lowest tier Hilton status, the 5th night is free on any award and resort fees are also waived on award stays.
We value an Amex point at 1.7 cents and a Hilton point at 0.5 cents and while those values are average, with a 5th night free award you can definitely do well transfering 1,000 Amex points for 2,800 Hilton Honors points.
Our advice is to run some sample searches for potential redemptions to see the value you’re likely to get before transfering.
Here’s an interesting one. Aeromexico Rewards points are worth *roughly* 0.75 cents each but with a wide range of ways to redeem.
Normally, you get 1.6 Aeromexico points for 1 Membership Rewards points so that bumps to 1,920 Aeromexico for 1,000 Amex under this ptomotion – so almost 2.1.
Aeromexico uses a range of redemption options including standard fixed awards and flexible awards – and you’ll see what’s available by searching and that does not require an account.
The last Aeromexico transfer bonus was in 2019, so these are pretty rare – though 20% isn’t a total game changer.
You can search here (use Google Translate in your browser if available as it’s in Spanish) to check possible redemptions.
Importantly, note the Aeromexico Rewards cancellation policy which is that, well, you can’t cancel it. You can change it, though.
Award Ticket may not be cancelled or reimbursed. If the Member decides not to use the Award Ticket and does not have a flight date scheduled, their Award Ticket will be open for a future flight on the same route, season and cabin.
The Award Ticket will be open for 1 (one) year after the original issuing date, so the trip must be completed within said validity period. Route or cabin changes are not applicable to new Award Tickets. However, there might be a tax and Premier Point difference between the original Award Ticket and the new one. Said difference must be covered when the new Award Ticket is issued. The issuing of the new Award Ticket is subject to seat availability on the desired flight.
As always, your best uses are to fly Delta One to Europe (excluding England) for 50,000 miles – IF you can find available award space and to book ANA First and Business class awards.
Business Class on ANA to Japan would be 35,000 – 37,000 Amex points while First Class would be 56,000 – 66,000 Amex points (depending on if you are on the West Coast (cheaper) or East Coast.
One more great use is domestically on Delta within the US or US-Mexico/Canada.
Transfer time is up to 48 hours (often close to instant, though).
Bonus points for spend in the following bonus categories:
- 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
- Xhe 2x earning rate is capped at $50,000 per year
- Charges a foreign transaction fee
Instant Transfers as well as solid transfer partners. The value would go up if they had any hotel partners with a fair exchange rate. ANA (an exception to instant transfers), Virgin, Air Canada and Avianca are top airline partners for maximizing your points. They can also transfer to Delta if you wish and while the rates aren't ideal, they can transfer to Marriott and Hilton as well. ANA provides almost unbeatable value for booking a Round the World flight all in Business Class. The stated value also assumes you will take advantage of transfer partners rather than book via their booking portal, where they are only worth between 1 and 1.5 cents. We've also created a Guide to American Express Membership Rewards.
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Citi Custom Cash℠ Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
$200 in the form of 20,000 bonus ThankYou® points when you spend $1,500 within 6 months
Bonus points for spend in the following bonus categories:
- The Citi Custom Cash rewards you with 5% cash back on your top spending category each month, on up to $500, from a broad range of selected categories.
- The only credit card to offer 5% on home improvement stores.
- The Citi Custom Cash card pairs well with a Citi Double Cash card, Citi Premier, or both!
Pros
- 5% is the highest possible reward for many of the Custom Cash Card's bonus categories
- No annual fee
- Includes very rare bonus categories, like home improvement stores
Cons
- With the Citi Custom Cash, your 5X earnings are capped at $500 per statement cycle on your top spend category each billing period
- Has a fairly low bonus offer, although not too bad for a no-annual fee credit card
- Charges a foreign transaction fee
If you have a Citi Premier card or a legacy Citi Prestige card, you can transfer your points to Citi's full range of airline and hotel partners. Other ThankYou points-earning cards can be pooled with your Premier or Prestige to unlock airline and hotel program transfers. We calculate that you can get an average of 1.6 cents per point when redeeming this way. If you have any other Citi ThankYou point cards and do not have a Premier or Prestige, then your ThankYou points are worth 1 cent each.
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Chase Freedom Flex Review
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Get $200 (20,000 Ultimate Rewards points) when you spend $500 in your first 3 months.
Bonus points for spend in the following bonus categories:
Earn this multiplier when you purchase via the Chase Ultimate Rewards travel portal. If you purchase any other way, you will earn 1X points.
Earn this multiplier when you purchase via the Chase Ultimate Rewards travel portal. If you purchase any other way, you will earn 1X points.
Earn this multiplier when you purchase via the Chase Ultimate Rewards travel portal. If you purchase any other way, you will earn 1X points.
- 0% Intro APR offers for both new purchases and balance transfers
- 5% cash back on rotating bonus categories each quarter (on up to $1,500 in combined purchases per quarter)
- Comes with great 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 trip protections and no bonus points on travel purchases
The Sapphire Reserve, Sapphire Preferred, and Ink Preferred all have the ability to transfer to airline and hotel partners. We use an average value that you can expect to get by utilizing your points for these transfer partners. If you do not have at least one of these cards, Ultimate Rewards are worth exactly 1 cent per point. Also keep in mind that when you redeem your points, you can elect to book travel through the Ultimate Rewards portal where the Sapphire Preferred and Ink Preferred have a point value of 1.25 cents per point and the Sapphire Reserve has points worth 1.5 cents each. You can move points freely between your Ultimate Rewards cards, i.e. from a Chase Freedom Unlimited to a Chase Sapphire Reserve. You can also read our Guide to Chase Ultimate Rewards points.
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Chase Freedom Unlimited®
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Bonus points for spend in the following bonus categories:
Earn this multiplier when you purchase via Chase Travel. If you purchase any other way, you will earn 1.5X points.
Earn this multiplier when you purchase via Chase Travel. If you purchase any other way, you will earn 1.5X points.
Earn this multiplier when you purchase via Chase Travel. If you purchase any other way, you will earn 1.5X points.
- 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
The Sapphire Reserve, Sapphire Preferred, and Ink Preferred all have the ability to transfer to airline and hotel partners. We use an average value that you can expect to get by utilizing your points for these transfer partners. If you do not have at least one of these cards, Ultimate Rewards are worth exactly 1 cent per point. Also keep in mind that when you redeem your points, you can elect to book travel through the Ultimate Rewards portal where the Sapphire Preferred and Ink Preferred have a point value of 1.25 cents per point and the Sapphire Reserve has points worth 1.5 cents each. You can move points freely between your Ultimate Rewards cards, i.e. from a Chase Freedom Unlimited to a Chase Sapphire Reserve. You can also read our Guide to Chase Ultimate Rewards points.
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
The American Express Blue Business Cash™ Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.
Bonus points for spend in the following bonus categories:
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.
- Offers Extended Warranty, Purchase Protection
- No annual fee
Pros
- If you like simple, this card offers that with 2% cash back and no bonus categories to keep track of
- No annual fee
- Comes with Extended Warranty, Purchase Protection, and Secondary Collission Damage Waiver on rental cars.
Cons
- No bonus categories means no way to multiply your earnings
- Foreign transaction fees apply if you use the card abroad
- Does not have nearly as many Amex benefits as its fee-based cards
When a card earns cash back, it has a value in our calculator of $0.01, just as you'd expect! 😉
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.