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Updated: Jan 11, 2026

How to Apply for Business Credit Cards

How business credit cards differ from personal credit cards and how to apply even if you don’t have a “traditional” business

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Written by Dave Grossman Your Best Credit Cards author & editor
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No annual fee!

Chase Ink Business Unlimited® Credit Card Chase Ink Business Unlimited® Credit Card image
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Chase Ink Business Unlimited® Credit Card

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(4.38) Our 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.
Annual Fee:
$0

⚠️Offer Ending Soon

HIGHEST EVER 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℠.

💡 Need to Know

Offers 1.5% cash back on all eligible purchases. The cash back can be transferred to your other Ultimate Rewards® cards.

Highlights

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

💡 Tip from Dave

Let’s just cover the basics. For one, small business credit cards do not have to offer all the same consumer protections as consumer cards, though in practice they tend to offer most of them anyway.

The main questions people have are around how a business credit card affects your credit score. Most issuers will pull one credit report (Equifax, Experian, or TransUnion). This is a normal hard pull. Exceptions are Capital One which will pull all three reports and American Express that will often not pull any at all if you already have a relationship with them. A hard inquiry generally will drop your score in the neighbohood of 7-10 points for a few weeks and then bounce right back.

Beyond that inquiry, though, they will never show up on your personal credit file unless you are in default. The card won’t appear there at all and your credit utilization will not be reported to the credit bureaus at all. This makes a business card a great choice for heavy spend, so the credit bureaus don’t see a super high utilization on your personal credit card.

The only exception to this rule is Capital One. Their Spark Cash Plus and Venture X Business will not report to your personal credit, however, their other business cards will. That doesn’t mean that you should overlook excellent Capital One business cards like the Spark Miles for Business which earns 2X on everything with no limit.

Also note that business credit cards that don’t report to your personal credit also do not count against your Chase 5/24 score.

Business Credit Cards: Are You Eligible?

If you have a full on business with an EIN, then obviously yes, you can get a business credit card. Skip to the cards. But what if you don’t?

1) You do need to conduct business outside of a day job to get business credit cards. You are not eligible if you have a salaried position and no other income.

2) A side hustle counts. If you consult on the side, then you qualify for a business credit card. If you sell things on eBay or Craigslist, you qualify. If you sell goods or services anywhere, you qualify!

3) Note that if you do not have a registered business name and an EIN, you must apply in a very specific way, described below. Pay careful attention or you will be declined for a business credit card.

Apply as follows:

  • Your business name is just your real name. If you are “Jim Smith” on your personal credit cards, then put “Jim Smith” as your name and “Jim Smith” again as your Business name. DO NOT MAKE UP A BUSINESS NAME.
  • Your Tax ID number is your Social Security Number.
  • Your business income will be the amount you make or expect to make from your side business.
  • Do *not* include other income (such as investment income) etc, unless it is part of your business.

We also have an additional resource: “Everything You Need to Know About Small Business Credit Cards“

In it you’ll find:

Our favorite business credit cards

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.
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Chase Ink Business Cash® Credit Card

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(4.83) Our 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.
Annual Fee:
$0
⚠️Offer Ending Soon

HIGHEST EVER 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

    Cable / Internet / Phone
  • 5x

    Cellular Phone Service

    Cellular Phone Service
  • 5x

    Office Supplies

    Office Supplies
  • 2x

    Gas Stations

    Gas Stations
  • 2x

    Dining Out / Food Delivery

    Dining Out / Food Delivery
  • 1x

    Everything Else

The Business Platinum Card® from American Express image
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The Business Platinum Card® from American Express

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(4.5) Our 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.
Annual Fee:
$895 (Rates and fees)
  • 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. Learn more.
  • 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 01/2026.
  • 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 $219 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. Learn more.
  • 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 01/2026.
  • 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 $219 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

    Single Charges over $5,000
  • 2x

    U.S. Electronic Goods Retailers / Software / Cloud System Providers

    U.S. Electronic Goods Retailers / Software / Cloud System Providers
  • 2x

    Shipping

    Shipping
  • 1x-5x

    Airfare

    Airfare
  • 1x-5x

    Hotels

    Hotels
  • 1x

    All Other Eligible Purchases

American Express® Business Gold Card image
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American Express® Business Gold Card

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(4.3) Our 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.
Annual Fee:
$375 (Rates and fees)
  • As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 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.
  • Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
  • Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx (through 10/01/2026), Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
  • Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Gold Card. *Subject to auto-renewal.
  • Enroll and get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace. Subscription purchases subject to auto-renewal.
  • 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 Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.
  • Earn 3X Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™.
  • The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
  • Terms Apply
  • As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 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.
  • Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
  • Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx (through 10/01/2026), Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
  • Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Gold Card. *Subject to auto-renewal.
  • Enroll and get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace. Subscription purchases subject to auto-renewal.
  • 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 Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.
  • Earn 3X Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™.
  • The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
  • Terms Apply

Pros

  • You can't beat the 4X points on 2 out of the following 6 categories each month: U.S. advertising and media, U.S. gas stations, U.S. electronic goods retailers and software & cloud system providers, U.S. restaurants, U.S. wireless telephone service providers, and U.S. Transit
  • Although the annual fee seems high, if you max out the 4X on $150,000 in purchases, that earns you 600,000 Membership Rewards points which Your Best Credit Cards values at around $10,000
  • Card membership includes the very well regarded American Express customer service

Cons

  • The high annual fee, despite being worth it for high spenders
  • If you spend well over $150,000 a year in these categories, you may max it out and remaining spend earns at just 1X.
  • Car rental CDW coverage is secondary to your own auto insurance
Annual Fee: $375 (Rates and fees)
Foreign Transaction Fee: 0%
Min Credit Score: Good *
Point Value:
$0.017
APR: 17.74%-28.49% (Variable)
  • 4x

    Gas Stations

    Gas Stations
  • 4x

    Dining Out / Food Delivery

    Dining Out / Food Delivery
  • 4x

    Advertising (Online / TV / Radio)

    Advertising (Online / TV / Radio)
  • 4x

    U.S. Electronic Goods Retailers / Software / Cloud System Providers

    U.S. Electronic Goods Retailers / Software / Cloud System Providers
  • 4x

    Cellular Phone Service

    Cellular Phone Service
  • 4x

    Transit

    Transit
  • 3x

    Airfare

    Airfare
  • 3x

    Hotels

    Hotels
  • 1x

    All Other Eligible Purchases

Capital One Spark Cash Select Review Capital One Spark Cash Select Review image
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Capital One Spark Cash Select Review

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(4) Our 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.
Annual Fee:
$0
☝ Increased Offer

Earn $750 Cash Back once you spend $6,000 on purchases within the first 3 months from account opening

  • No annual fee
  • No foreign transaction fees
  • Earn 1.5% Cash back on all eligible purchases
  • No annual fee
  • No foreign transaction fees
  • Earn 1.5% Cash back on all eligible purchases

Pros

  • No annual fee
  • No foreign transaction fees
  • Low minimum spend required to receive the Early Spend Bonus

Cons

  • Only earns 1.5% where other cards earn 2% back
  • Lacks a complete set of features and benefits that most annual fee cards have
  • Capital One does a hard pull with all 3 credit bureaus when you apply
Annual Fee: $0
Foreign Transaction Fee: 0%
Min Credit Score: Excellent (800-850) *
Point Value:
$0.01
APR on Purchases: 0 % Intro APR (on purchases for 9 months, 16.74%-26.74% thereafter)
Balance transfer fees: Balance transfers are not available on Spark Cash Select
  • 1.5x-5x

    Car Rentals

    Car Rentals
  • 1.5x-5x

    Hotels

    Hotels
  • 1.5x

    Everything Else

The Blue Business® Plus Credit Card from American Express image
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The Blue Business® Plus Credit Card from American Express

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(4.28) Our 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.
Annual Fee:
$0 (Rates and fees)
  • 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

    Airfare
  • 2x

    Transit

    Transit
  • 2x

    Car Rentals

    Car Rentals
  • 2x

    Cable / Internet / Phone

    Cable / Internet / Phone
  • 2x

    Costco

    Costco
  • 2x

    Gas Stations

    Gas Stations
  • 2x

    Cellular Phone Service

    Cellular Phone Service
  • 2x

    Dining Out / Food Delivery

    Dining Out / Food Delivery
  • 2x

    Hotels

    Hotels
  • 2x

    Lyft

    Lyft
  • 2x

    Office Supplies

    Office Supplies
  • 2x

    Shipping

    Shipping
  • 2x

    Single Charges over $5,000

    Single Charges over $5,000
  • 2x

    Supermarkets

    Supermarkets
  • 2x

    Cruises

    Cruises
  • 2x

    Drugstores

    Drugstores
  • 2x

    Streaming Services

    Streaming Services
  • 2x

    Gym Memberships

    Gym Memberships
  • 2x

    Advertising (Online / TV / Radio)

    Advertising (Online / TV / Radio)
  • 2x

    Entertainment (Concerts / Shows / Movies)

    Entertainment (Concerts / Shows / Movies)
  • 2x

    Advertising on Search Engines and Social Media

    Advertising on Search Engines and Social Media
The American Express Blue Business Cash® Card image
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The American Express Blue Business Cash® Card

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(3.75) Our 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.
Annual Fee:
$0 (Rates and fees)
  • Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
  • 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 as determined at the time of account opening. APRs will not exceed 29.99%
  • Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement.
  • From workflow to inventory to floor plans, your business is constantly changing. That's why you've got the power to spend beyond 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. Learn More.
  • Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
  • 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 as determined at the time of account opening. APRs will not exceed 29.99%
  • Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement.
  • From workflow to inventory to floor plans, your business is constantly changing. That's why you've got the power to spend beyond 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. Learn More.

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
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 12 months, 16.74%-28.49% thereafter)
  • 2x

    Airfare

    Airfare
  • 2x

    Transit

    Transit
  • 2x

    Car Rentals

    Car Rentals
  • 2x

    Cable / Internet / Phone

    Cable / Internet / Phone
  • 2x

    Costco

    Costco
  • 2x

    Gas Stations

    Gas Stations
  • 2x

    Cellular Phone Service

    Cellular Phone Service
  • 2x

    Dining Out / Food Delivery

    Dining Out / Food Delivery
  • 2x

    Hotels

    Hotels
  • 2x

    Lyft

    Lyft
  • 2x

    Office Supplies

    Office Supplies
  • 2x

    Shipping

    Shipping
  • 2x

    Single Charges over $5,000

    Single Charges over $5,000
  • 2x

    Supermarkets

    Supermarkets
  • 2x

    Cruises

    Cruises
  • 2x

    Drugstores

    Drugstores
  • 2x

    Streaming Services

    Streaming Services
  • 2x

    Gym Memberships

    Gym Memberships
  • 2x

    Advertising (Online / TV / Radio)

    Advertising (Online / TV / Radio)
  • 2x

    Entertainment (Concerts / Shows / Movies)

    Entertainment (Concerts / Shows / Movies)
  • 2x

    Advertising on Search Engines and Social Media

    Advertising on Search Engines and Social Media
  • 2x

    U.S. Electronic Goods Retailers / Software / Cloud System Providers

    U.S. Electronic Goods Retailers / Software / Cloud System Providers
World of Hyatt Business Credit Card World of Hyatt Business Credit Card image
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World of Hyatt Business Credit Card

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(4.18) Our 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.
Annual Fee:
$199
☝ Increased Offer
70,000 Bonus Points after you spend $7,000 on purchases in your first 3 months from account opening.
  • Earn elite night credits from eligible spend
  • Gives you automatic World of Hyatt Discoverist status
  • Has a wide range of card benefits, including primary car rental CDW
  • Earn elite night credits from eligible spend
  • Gives you automatic World of Hyatt Discoverist status
  • Has a wide range of card benefits, including primary car rental CDW

Pros

  • Earn elite night credits from eligible spend
  • Grants you automatic World of Hyatt Discoverist status
  • Has a wide range of travel and shopping benefits

Cons

  • Somewhat high annual fee
  • No bonus categories earn more than 2X Hyatt points
  • The Discoverist status is the lowest of the Hyatt elite tiers
Annual Fee: $199
Foreign Transaction Fee: 0%
Min Credit Score: Good (670-739) *
Point Value:
$0.015
APR: 19.24%-27.74% (Variable)
Balance transfer fees: Either $5 or 5% of the amount of each balance transfer, whichever is greater.
  • 2x

    Airfare

    Airfare
  • 2x

    Transit

    Transit
  • 2x

    Car Rentals

    Car Rentals
  • 2x

    Cable / Internet / Phone

    Cable / Internet / Phone
  • 2x

    Gas Stations

    Gas Stations
  • 2x

    Cellular Phone Service

    Cellular Phone Service
  • 2x

    Dining Out / Food Delivery

    Dining Out / Food Delivery
  • 2x

    Advertising on Search Engines and Social Media

    Advertising on Search Engines and Social Media
  • 2x

    Shipping

    Shipping
  • 2x

    Gym Memberships

    Gym Memberships
  • 1x-4x

    Hotels

    Hotels
  • 1x

    Everything Else

IHG One Rewards Premier Business Credit Card IHG One Rewards Premier Business Credit Card image
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IHG One Rewards Premier Business Credit Card

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(4.35) Our 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.
Annual Fee:
$99
🎁 Bonus offer
Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening.
  • Get IHG elite status, fourth night free on award stays, and discounts on points purchases.
  • The annual free night award alone can justify the annual fee.
  • Includes other travel perks like Global Entry, United TravelBank Cash, and travel protections.
  • Get IHG elite status, fourth night free on award stays, and discounts on points purchases.
  • The annual free night award alone can justify the annual fee.
  • Includes other travel perks like Global Entry, United TravelBank Cash, and travel protections.

Pros

  • Get IHG Platinum Elite status, fourth night free on award nights, and a free night certificate each account anniversary year.
  • Score other travel perks like United TravelBank Cash and a Global Entry, TSA PreCheck, or NEXUS reimbursement as a statement credit.
  • Earn bonus points in a variety of categories including at IHG hotels and gas stations.

Cons

  • IHG Rewards points aren't worth as much as other points currencies.
  • May have a lower sign-up bonus than the personal version of the card.
Annual Fee: $99
Foreign Transaction Fee: 0%
Min Credit Score: Good (670-739) *
Point Value:
$0.004
APR: 19.24%-27.74% (Variable)
Balance transfer fees: Either $5 or 5% of the amount of each transfer, whichever is greater.
  • 5x

    Airfare

    Airfare
  • 5x

    Transit

    Transit
  • 5x

    Car Rentals

    Car Rentals
  • 5x

    Gas Stations

    Gas Stations
  • 5x

    Dining Out / Food Delivery

    Dining Out / Food Delivery
  • 5x-10x

    Hotels

    Hotels
  • 5x

    Office Supplies

    Office Supplies
  • 5x

    Advertising on Search Engines and Social Media

    Advertising on Search Engines and Social Media
  • 3x

    Everything Else

United℠ Business Card United℠ Business Card image
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United℠ Business Card

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(4.03) Our 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.
Annual Fee:
$150
☝ Increased Offer

Earn 100,000 United MileagePlus bonus miles and 2,000 PQP after spending $5,000 on qualifying purchases in the first three months of opening an account.

  • Earn up to 2x United miles on select bonus categories and PQPs to help you qualify for the next level of Premier elite status
  • Free first checked bag benefit, a savings of up to $200 per round trip (Terms apply) for every round-trip United Airlines flight you take
  • Elevate your United flights with two annual United Club certificates, 25% savings on inflight purchases, and priority boarding for you and your companions on the same booking
  • Earn up to 2x United miles on select bonus categories and PQPs to help you qualify for the next level of Premier elite status
  • Free first checked bag benefit, a savings of up to $200 per round trip (Terms apply) for every round-trip United Airlines flight you take
  • Elevate your United flights with two annual United Club certificates, 25% savings on inflight purchases, and priority boarding for you and your companions on the same booking

Pros

  • United travel perks, such as your first checked bag free, priority boarding privileges, two annual United Club passes and more
  • Earn up to 4,000 Premier® qualifying points (PQP) towards elite status
  • Great travel and purchase protections that can help your business save when things don't go as planned

Cons

  • The annual fee is $150
  • Only provides two United Club passes per year
  • Subpar earning rate, as you can only earn up to 2x bonus miles on eligible categories
Annual Fee: $150
Foreign Transaction Fee: 0%
Min Credit Score: Good (670-739) *
Point Value:
$0.012
APR: 19.74%-28.24% (Variable)
Balance transfer fees: Either $5 or 5% of the amount of each transfer, whichever is greater.
  • 2x

    Transit

    Transit
  • 2x

    Gas Stations

    Gas Stations
  • 2x

    Dining Out / Food Delivery

    Dining Out / Food Delivery
  • 2x

    Office Supplies

    Office Supplies
  • 1x-2x

    Airfare

    Airfare
  • 1x

    Everything Else

The Hilton Honors American Express Business Card image
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The Hilton Honors American Express Business Card

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(3.83) Our 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.
Annual Fee:
$195 (Rates and fees)
  • Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.
  • Get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card.
  • Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors™ Gold Status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay.
  • Earn 12X Hilton Honors Bonus Points on eligible purchases made directly with hotels and resorts within the Hilton portfolio.
  • Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X Points thereafter.
  • You may receive an upgrade to Hilton Honors™ Diamond Status through the end of the next calendar year if the total eligible purchases that you spend on your Card Account during a calendar year reach $40,000 or more.
  • Terms apply.
  • Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.
  • Get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card.
  • Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors™ Gold Status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay.
  • Earn 12X Hilton Honors Bonus Points on eligible purchases made directly with hotels and resorts within the Hilton portfolio.
  • Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X Points thereafter.
  • You may receive an upgrade to Hilton Honors™ Diamond Status through the end of the next calendar year if the total eligible purchases that you spend on your Card Account during a calendar year reach $40,000 or more.
  • Terms apply.

Pros

  • If you stay at Hilton Hotels often, the 12X earn rate on Hilton Hotels will really add up.
  • You'll get up to $60 in statement credits each quarter at Hilton family hotels
  • Includes mid-tier Hilton Gold status, a way to spend to Diamond status, and you can spend your way to up to two free nights at any Hilton property in the world.

Cons

  • The card only earns Hilton Honors points, so you would not be able to redeem them for stays at other hotel chains.
  • Earning a specific type of co-branded point, like Hilton Honors points, limits your redemption opportunities and your points balance may be worth less over time if the program changes how points are redeemed.
  • The card no longer includes Priority Pass lounge access or the ability to earn Free Night Reward certificates
Annual Fee: $195 (Rates and fees)
Foreign Transaction Fee: 0%
Min Credit Score: Good *
Point Value:
$0.005
APR: 19.49%-28.49% (Variable)
Marriott Bonvoy Business® American Express® Card image
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Marriott Bonvoy Business® American Express® Card

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(3.9) Our 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.
Annual Fee:
$125 (Rates and fees)
  • Earn 75,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in eligible purchases and an extra 50,000 bonus points after you make an additional $3,000 in eligible purchases within the first 6 months of Card Membership.
  • Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
  • 6x points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
  • 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
  • 2x points on all other eligible purchases.
  • Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Award can be used for one night (redemption level at or under 35,000 points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
  • Enjoy Complimentary Marriott Bonvoy® Gold Elite Status with your Marriott Bonvoy Business® American Express® Card.
  • Terms apply.
  • Earn 75,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in eligible purchases and an extra 50,000 bonus points after you make an additional $3,000 in eligible purchases within the first 6 months of Card Membership.
  • Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
  • 6x points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
  • 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
  • 2x points on all other eligible purchases.
  • Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Award can be used for one night (redemption level at or under 35,000 points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
  • Enjoy Complimentary Marriott Bonvoy® Gold Elite Status with your Marriott Bonvoy Business® American Express® Card.
  • Terms apply.

Pros

  • Earn 4x Marriott Bonvoy points at a wide variety of everyday business categories, including restaurants worldwide, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers and U.S. purchases for shipping.
  • Free night awards galore! You'll earn one upon card renewal with the opportunity to earn an additional free night award after spending $60,000+ in a calendar year
  • Complimentary Marriott Bonvoy® Gold Elite Status for 25% bonus points on Marriott purchases, 2 p.m. (based on availability) late checkout and space-available enhanced room upgrades

Cons

  • $125 annual fee
  • Free night award is capped at 35,000 points, although you can use up to 15,000 points of your own to increase that to a 50,000 point room
  • Marriott Bonvoy® Gold Elite Status does not offer a ton of perks compared to other hotel loyalty programs or the higher Marriott Bonvoy tiers
Annual Fee: $125 (Rates and fees)
Foreign Transaction Fee: 0%
Min Credit Score: Good *
Point Value:
$0.005
APR: 19.49%-28.49% (Variable)
  • 6x

    Hotels

    Hotels
  • 4x

    Gas Stations

    Gas Stations
  • 4x

    Cellular Phone Service

    Cellular Phone Service
  • 4x

    Dining Out / Food Delivery

    Dining Out / Food Delivery
  • 4x

    Shipping

    Shipping
  • 2x

    All Other Eligible Purchases

Southwest® Rapid Rewards® Performance Business Credit Card Southwest® Rapid Rewards® Performance Business Credit Card image
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Southwest® Rapid Rewards® Performance Business Credit Card

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(4.25) Our 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.
Annual Fee:
$299
🎁 Bonus offer
Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening
  • Enjoy unlimited upgrades to an Extra Legroom seat within 48 hours prior to departure, at no additional charge, when available.
  • First checked bag free for you and up to 8 additional passengers in the same reservation.
  • 9,000 bonus points on every cardmember anniversary
  • Enjoy unlimited upgrades to an Extra Legroom seat within 48 hours prior to departure, at no additional charge, when available.
  • First checked bag free for you and up to 8 additional passengers in the same reservation.
  • 9,000 bonus points on every cardmember anniversary

Pros

  • Enjoy unlimited upgrades to an Extra Legroom seat within 48 hours prior to departure, at no additional charge, when available.
  • First checked bag free for you and up to 8 additional passengers in the same reservation.
  • 9,000 bonus points on every cardmember anniversary

Cons

  • The high annual fee will be hard to justify for infrequent travelers
  • Rapid Rewards points only provide a good value for Southwest flights
Annual Fee: $299
Foreign Transaction Fee: 0%
Min Credit Score: Good (670-739) *
Point Value:
$0.0125
APR: 19.24%-27.74% (Variable)
Balance transfer fees: Either $5 or 5% of the amount of each transfer, whichever is greater.
  • 2x

    Gas Stations

    Gas Stations
  • 2x

    Hotels

    Hotels
  • 2x

    Transit

    Transit
  • 1x-4x

    Airfare

    Airfare
  • 1x

    Everything Else

Southwest® Rapid Rewards® Premier Business Credit Card Southwest® Rapid Rewards® Premier Business Credit Card image
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Southwest® Rapid Rewards® Premier Business Credit Card

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(3.9) Our 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.
Annual Fee:
$149
🎁 Bonus offer
Earn 60,000 points after you spend $3,000 on purchases in the first 3 months from account opening.
  • Early boarding (Group 5), First free checked bag (you and up to 8 companions, Preferred seating
  • Ability to spend toward A-List status and the Southwest Companion Pass
  • 6,000 bonus points on every cardmember anniversary
  • Early boarding (Group 5), First free checked bag (you and up to 8 companions, Preferred seating
  • Ability to spend toward A-List status and the Southwest Companion Pass
  • 6,000 bonus points on every cardmember anniversary

Pros

  • 6,000 bonus points on every cardmember anniversary
  • Receive a 15% promo code each year on your cardmember anniversary (Excludes Basic fare).
  • Ability to spend toward A-List status and the Southwest Companion Pass
  • Early boarding (Group 5), First free checked bag (you and up to 8 companions, Preferred seating

Cons

  • Lack of business spending rewards categories
  • Better perks and earning rates on the Southwest Performance Business Card
Annual Fee: $149
Foreign Transaction Fee: 0%
Min Credit Score: Good (670-739) *
Point Value:
$0.0125
APR: 19.24%-27.74% (Variable)
Balance transfer fees: Either $5 or 5% of the amount of each transfer, whichever is greater.
  • 2x

    Gas Stations

    Gas Stations
  • 2x

    Dining Out / Food Delivery

    Dining Out / Food Delivery
  • 1x-3x

    Airfare

    Airfare
  • 1x

    Everything Else

Delta SkyMiles® Reserve Business American Express Credit Card image
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Delta SkyMiles® Reserve Business American Express Credit Card

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(3.88) Our 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.
Annual Fee:
$650 (Rates and fees)
  • Limited Time Offer: Earn 200,000 Bonus Miles after spending $20,000 in purchases on your new Card in your first 6 months of Card Membership. Offer ends 11/4/26.
  • Delta SkyMiles® Reserve Business Members receive 15 Visits each Medallion® Year to the Delta Sky Club® when flying Delta and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card in a calendar year.
  • Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card.
  • Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main domestic, Caribbean, or Central American round-trip flight each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
  • Earn 3 miles per dollar on eligible Delta purchases.
  • When you purchase a Delta flight with your Delta SkyMiles® Reserve Business Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge.
  • Save 15% when booking Award Travel with miles on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
  • Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
  • Enjoy your first checked bag free on Delta flights worldwide – and on domestic Delta flights, your second bag flies free too.
  • Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
  • Earn up to $10 back each month after using your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers. Enrollment required.
  • With the $240 Resy Credit, earn up to $20 per month in statement credits at over 10,000 qualifying U.S. Resy restaurants for eligible purchases using your enrolled card.
  • Elevate your travel experience with an annual statement credit of up to $250 after using your Delta SkyMiles® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
  • Enjoy travel without foreign transaction fees from American Express with your Delta SkyMiles® Reserve Business American Express Card.
  • Terms and limitations apply.
  • Limited Time Offer: Earn 200,000 Bonus Miles after spending $20,000 in purchases on your new Card in your first 6 months of Card Membership. Offer ends 11/4/26.
  • Delta SkyMiles® Reserve Business Members receive 15 Visits each Medallion® Year to the Delta Sky Club® when flying Delta and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card in a calendar year.
  • Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card.
  • Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main domestic, Caribbean, or Central American round-trip flight each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
  • Earn 3 miles per dollar on eligible Delta purchases.
  • When you purchase a Delta flight with your Delta SkyMiles® Reserve Business Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge.
  • Save 15% when booking Award Travel with miles on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
  • Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
  • Enjoy your first checked bag free on Delta flights worldwide – and on domestic Delta flights, your second bag flies free too.
  • Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
  • Earn up to $10 back each month after using your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers. Enrollment required.
  • With the $240 Resy Credit, earn up to $20 per month in statement credits at over 10,000 qualifying U.S. Resy restaurants for eligible purchases using your enrolled card.
  • Elevate your travel experience with an annual statement credit of up to $250 after using your Delta SkyMiles® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
  • Enjoy travel without foreign transaction fees from American Express with your Delta SkyMiles® Reserve Business American Express Card.
  • Terms and limitations apply.

Pros

  • Delta Sky Club access when you're flying the same-day with Delta (15 visits per calendar year)
  • Companion certificate that you'll receive every year upon card membership renewal, and it's even valid for First Class on domestic, Caribbean, or Central American roundtrip flights
  • Ability to spend your way towards Delta Medallion status with $1 MQD per $10 spent on the card.

Cons

  • $650 annual fee
  • Lounge access is limited to the primary cardholder, unless you're willing to pay a $50 per-person rate for up to two guests at Delta Sky Clubs
  • Limited bonus categories for spend
Annual Fee: $650 (Rates and fees)
Foreign Transaction Fee: 0%
Min Credit Score: Good *
Point Value:
$0.012
APR: 19.49%-28.49% (Variable)
  • 1.5x

    Transit

    Transit
  • 1.5x

    Shipping

    Shipping
  • 1.5x

    Office Supplies

    Office Supplies
  • 1x-3x

    Airfare

    Airfare
  • 1x

    All Other Eligible Purchases

Delta SkyMiles® Platinum Business American Express Card image
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Delta SkyMiles® Platinum Business American Express Card

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(4.1) Our 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.
Annual Fee:
$350 (Rates and fees)
  • Limited Time Offer: Earn 100,000 Bonus Miles after spending $8,000 in purchases on your new Card in your first 6 months of Card Membership. Offer ends 11/4/26.
  • Enjoy a Companion Certificate each year after renewal of your Delta SkyMiles® Platinum Business American Express Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
  • Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $20 of purchases with your Delta SkyMiles® Platinum Business American Express Card.
  • Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
  • Delta SkyMiles® Platinum Business American Express Card Members save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
  • Your first checked bag flies free on international and domestic Delta flights. And now, your second checked bag flies free on domestic Delta flights too.
  • Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
  • Earn up to $10 back each month after using your enrolled Delta SkyMiles® Platinum Business American Express Card for U.S. rideshare purchases with select providers.
  • With the $120 Resy Credit, earn up to $10 per month in statement credits at over 10,000 qualifying U.S Resy restaurants for eligible purchases using your enrolled Card.
  • Elevate your travel experience with an annual statement credit of up to $200 after using your Delta SkyMiles® Platinum Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
  • Terms and limitations apply.
  • Limited Time Offer: Earn 100,000 Bonus Miles after spending $8,000 in purchases on your new Card in your first 6 months of Card Membership. Offer ends 11/4/26.
  • Enjoy a Companion Certificate each year after renewal of your Delta SkyMiles® Platinum Business American Express Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
  • Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $20 of purchases with your Delta SkyMiles® Platinum Business American Express Card.
  • Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
  • Delta SkyMiles® Platinum Business American Express Card Members save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
  • Your first checked bag flies free on international and domestic Delta flights. And now, your second checked bag flies free on domestic Delta flights too.
  • Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
  • Earn up to $10 back each month after using your enrolled Delta SkyMiles® Platinum Business American Express Card for U.S. rideshare purchases with select providers.
  • With the $120 Resy Credit, earn up to $10 per month in statement credits at over 10,000 qualifying U.S Resy restaurants for eligible purchases using your enrolled Card.
  • Elevate your travel experience with an annual statement credit of up to $200 after using your Delta SkyMiles® Platinum Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
  • Terms and limitations apply.

Pros

  • Earn Medallion status faster
  • Receive an annual companion certificate that can be worth way more than the $350 annual fee
  • Get a Global Entry/TSA PreCheck fee credit once every 4 years

Cons

  • $350 annual fee
  • Delta Sky Club access no longer a benefit of the card
  • Earns less MQDs per dollar than the higher level Delta Business Reserve card
Annual Fee: $350 (Rates and fees)
Foreign Transaction Fee: 0%
Min Credit Score: Good *
Point Value:
$0.012
APR: 19.49%-28.49% (Variable)
  • 1.5x

    Transit

    Transit
  • 1.5x

    Single Charges over $5,000

    Single Charges over $5,000
  • 1.5x

    Shipping

    Shipping
  • 1x-3x

    Airfare

    Airfare
  • 1x

    All Other Eligible Purchases

Chase Ink Business Preferred® Credit Card Chase Ink Business Preferred® Credit Card image
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Chase Ink Business Preferred® Credit Card

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(4.63) Our 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.
Annual Fee:
$95
☝ Increased Offer
Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
  • Earns fully transferable Chase Ultimate Rewards points
  • 3X points per dollar on travel and online advertising on social media sites up to $150,000 a year can mean huge points earnings. Limit is per account anniversary year
  • Primary Car Rental CDW, trip delay and cancellation insurance, and cell phone protection
  • Earns fully transferable Chase Ultimate Rewards points
  • 3X points per dollar on travel and online advertising on social media sites up to $150,000 a year can mean huge points earnings. Limit is per account anniversary year
  • Primary Car Rental CDW, trip delay and cancellation insurance, and cell phone protection

Pros

  • 3X points per dollar for combined purchases travel, advertising on social media sites, phone services and more – up to $150,000 per account anniversary year can mean huge points earnings
  • Earns fully transferable Chase Ultimate Rewards points
  • Travel protections, primary car rental CDW, and cell phone protections

Cons

  • $95 annual fee
  • The 3X bonus categories have a cap of $150,000 on combined purchases, then the earn rate drops to 1X. It also earns 1 point per dollar on other eligible purchases.
  • No 0% intro APR offers
Annual Fee: $95
Foreign Transaction Fee: 0%
Min Credit Score: Good (670-739) *
Point Value:
$0.01-$0.0175
APR: 17.74%-26.74% (Variable)
Balance transfer fees: Either $5 or 5% of the amount of each transfer, whichever is greater.
  • 3x

    Airfare

    Airfare
  • 3x

    Transit

    Transit
  • 3x

    Car Rentals

    Car Rentals
  • 3x

    Cellular Phone Service

    Cellular Phone Service
  • 3x

    Hotels

    Hotels
  • 3x

    Advertising on Search Engines and Social Media

    Advertising on Search Engines and Social Media
  • 3x

    Shipping

    Shipping
  • 3x

    Cable / Internet / Phone

    Cable / Internet / Phone
  • 3x

    Cruises

    Cruises
  • 1x

    Everything Else

Chase Ink Business Premier® Credit Card Chase Ink Business Premier® Credit Card image
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Chase Ink Business Premier® Credit Card

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(3.75) Our 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.
Annual Fee:
$195
🎁 Bonus offer
Earn $1,000 bonus cash back after you spend $10,000 on purchases in your first 3 months from account opening.
  • Charge card allows for high spending limits to fit your business needs
  • 2.5% Cash Back on purchases over $5,000 is a stellar rebate on spend
  • Earns Cash Back rather than transferable points.
  • Charge card allows for high spending limits to fit your business needs
  • 2.5% Cash Back on purchases over $5,000 is a stellar rebate on spend
  • Earns Cash Back rather than transferable points.

Pros

  • There is no other charge card on the market that offers 2.5% on charges over $5,000 with no monthly or annual limit.
  • A flexible spending limit makes it a great choice for heavy spenders; rare on a small business card.
  • Primary car rental Collision Damage Waiver (CDW) can be a huge benefit when on the road. This means your personal insurance won't have to get involved for damage to your rental car. (Note that it does not provide liability insurance or coverage for any other car you may be in a collision with.)

Cons

  • The Chase Ultimate Rewards points earned with the Ink Business Premier are pure cash back with no option to transfer the points to other Chase small business credit cards (Ink) or Chase Sapphire cards or to airline and hotel transfer partners. This differs from all other Chase Ink credit cards.
  • Relatively high annual fee.
  • Lack of travel benefits like a Global Entry application fee credit, though you likely have that on another credit card.
Annual Fee: $195
Foreign Transaction Fee: 0%
Min Credit Score: Good (670-739) *
Point Value:
$0.01
APR: 17.74%-28.49% (Variable)
  • 5x

    Airfare

    Airfare
  • 5x

    Cruises

    Cruises
  • 5x

    Car Rentals

    Car Rentals
  • 5x

    Hotels

    Hotels
  • 2.5x

    Single Charges over $5,000

    Single Charges over $5,000
  • 2x

    Everything Else

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What’s the most important factor to consider when choosing a credit card?

    The right credit card for you (Your Best Credit Card!!) depends on your spending habits and goals. If you want rewards, focus on categories where you spend the most (like travel, dining, or groceries). If you’re looking to save money, a 0% intro APR, 0% Intro APR Balance Transfer, or a no-annual-fee card may be best. Luckily, we are here to help you figure this out with a wide variety of tools like our Smart Search and Card Explorer!

Do credit card applications affect my credit score?

    Yes and no. Applying for a new card results in a “hard inquiry,” which may temporarily lower your credit score by a few points for a short period of time. However, since you’ll grow your available credit, your total utilization will shrink, possibly increasing your score over time. Of course this depends on responsible use of your credit and 100% on-time payments. We recommend trying to always pay in full as well as revolving balances increase your debt exponentially over time.

What’s the difference between cash back, points, and miles?

    • Cash back: Rewards you can redeem for statement credits, checks, or bank deposits.
    • Points: Flexible rewards that can often be redeemed for travel, gift cards, or merchandise. (We prefer transferring to airline and hotel programs!). These are, in our opinion, the most flexible types of credit cards.
    • Miles: Primarily geared toward travel, usually tied to one specific airline.
      The best option depends on whether you value simplicity (cash back) or maximizing travel rewards (points/miles).

Do I need an excellent credit score to get approved?

    Not always. Premium rewards and travel cards often require good to excellent credit (typically 670+). But there are plenty of cards for fair or limited credit, including secured cards and student cards, that help build your score over time.

How do annual fees work, and are they worth it?

    Annual fees are charged once per year for keeping the card open. They can be worth it if the card’s rewards, perks, and benefits outweigh the cost. For example, frequent travelers may get hundreds of dollars in value from perks like lounge access or travel credits. You need to do the math on each card with an annual fee to see if the perks and credits outweigh the fee in your particular case since there are generally a range of credits that an individual may or may not value.

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