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American Express® Business Gold Card American Express® Business Gold Card image
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American Express is an Advertising Partner

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.
Min Credit Score:
Good *
Annual Fee:
$375 (Rates and fees)

🎁 Bonus offer

Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership. Terms apply.

Get a 15% transfer bonus when you transfer American Express Membership Rewards to Avianca Lifemiles.

Offer expires on Nov 30, 2025

Valid 12:00 a.m. MT on 11/3/2025 to 11:59 p.m. MT on 11/30/2025.

I do not think many of you should be taking advantage of this offer.

Avianca is a Star Alliance partner that does not pass along fuel surcharges, however:

Keep in mind that Avianca recently devalued their program. Also see: Downsides of the LifeMiles program.

With frequent website issues, terrible customer support, and change/cancel fees of up to $200 a ticket, it’s just not for me. Aeroplan also does not pass along surcharges (nor does United) and both are much easier to deal with.

At a mere 15%, I cannot see a case for the transfer unless you were literally about to make a Lifemiles booking anyway. This is the 3rd transfer bonus from Amex alone to Avianca Lifemiles.

See all historical transfer bonuses.

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Get a 30% transfer bonus when you transfer American Express Membership Rewards to Marriott Bonvoy.

Offer expires on Nov 30, 2025

Get 30% more Marriott Bonvoy points when you transfer Membership Rewards® points through 11/30/2025.

You’ll have 2 months to take advantage of this transfer bonus, but should you?

First of all, we have historically seen significantly higher offers across Amex and Chase.

Here is a link to historical transfer bonuses to Marriott Bonvoy, with 50%-70% in the list.

That said, this is still almost never a good transfer unless you are topping off for an award you are ready to book. Keep in mind that we value an Amex point at roughly 3X the value of a Marriott Bonvoy point.

However, there are always exceptions and you might find a 5 night stay (5th night free) where the transfer makes sense so do the math – but you likely do not want to transfer speculatively unless you are a Bonvoy pro and believe you will exceed value you can get via other transfer partners. Also keep in mind this transfer can take up to 48 hours.

Subscribe to Transfer Bonus Notifications

Bonus points for spend in the following bonus categories:

Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000

4 x
Gas Stations
Estimated Rewards Value: 6.8%

Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000

4 x
Dining Out / Food Delivery
Estimated Rewards Value: 6.8%

Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000

4 x
Advertising (Online / TV / Radio)
Estimated Rewards Value: 6.8%

Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000

4 x
U.S. Electronic Goods Retailers / Software / Cloud System Providers
Estimated Rewards Value: 6.8%

Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000

4 x
Cellular Phone Service
Estimated Rewards Value: 6.8%

Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000

4 x
Transit
Estimated Rewards Value: 6.8%

3X Membership Rewards Points on Flights and Prepaid Hotels Booked at AmexTravel.com; Otherwise 1X

3 x
Airfare
Estimated Rewards Value: 5.1%

Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card; 1X otherwise

3 x
Hotels
Estimated Rewards Value: 5.1%
1 x
All Other Eligible Purchases
Estimated Rewards Value: 1.7%
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  • Amazing Membership Rewards points earning rate for 6 popular business spending categories
  • No Preset Spending Limit means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.
  • Card membership includes the very well regarded American Express customer service

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
Foreign
Transaction Fee: 0%
Min Credit
Score: Good *
Point
Value: $0.017

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.

APR: 17.99%-28.74% (Variable)
Author: Dave Grossman
Total Rating:
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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.
Last Updated: November 9, 2025
Intro bonus:
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💵 Your Projected Rewards Value
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Chase Ink Business Cash® Credit Card Chase Ink Business Cash® Credit Card image
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Chase Ink Business Cash® Credit Card

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(4.8) 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.
Min Credit Score:
Good (670-739) *
Annual Fee:
$0

⚠️Offer Ending Soon

OFFER ENDS by 9 AM EST on 11/13/2025!

Earn $900 when you spend $6,000 on purchases in the first three months after account opening.

This is awarded as 90,000 Ultimate Rewards Points, transferrable if you also hold a Sapphire Preferred®, Sapphire Reserve®, Ink Business Preferred®, or Sapphire Reserve for Business℠.

Bonus points for spend in the following bonus categories:

5 x
Cable / Internet / Phone
Estimated Rewards Value: 5%
5 x
Cellular Phone Service
Estimated Rewards Value: 5%
5 x
Office Supplies
Estimated Rewards Value: 5%
2 x
Gas Stations
Estimated Rewards Value: 2%
2 x
Dining Out / Food Delivery
Estimated Rewards Value: 2%
1 x
Everything Else
Estimated Rewards Value: 1%
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  • 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

The Sapphire Reserve, Sapphire Preferred, Chase Sapphire Reserve for Business, 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. In the Chase Travel℠ portal, Points Boost allows you to redeem for airfare or hotels with point values ranging from 1.5 - 2 cents depending on cabin class or hotel. Specific flights and hotels that appear in Point Boost vary. If you do not have at least one of these cards, Ultimate Rewards are worth exactly 1 cent per point. You can also read our Guide to Chase Ultimate Rewards points.

APR: 0 % Intro APR (on purchases for 12 months, 17.24%-25.24% thereafter)
Balance
transfer fees: Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: Dave Grossman
Total Rating:
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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.
Last Updated: November 9, 2025
Intro bonus:
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💵 Your Projected Rewards Value
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Southwest Rapid Rewards® Priority Credit Card Southwest Rapid Rewards® Priority Credit Card image
Card Details
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Southwest Rapid Rewards® Priority Credit Card

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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.
Min Credit Score:
Good (670-739) *
Annual Fee:
$229

☝ Increased Offer

Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening

Bonus points for spend in the following bonus categories:

Applies only to tickets purchased directly from Southwest. Other airfare earns 1X.

4 x
Airfare
Estimated Rewards Value: 5%
2 x
Gas Stations
Estimated Rewards Value: 2.5%
2 x
Dining Out / Food Delivery
Estimated Rewards Value: 2.5%
1 x
Everything Else
Estimated Rewards Value: 1.25%
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  • Excellent Southwest-specific perks - including annual bonus points every cardmember anniversary.
  • Earn points toward Southwest Companion Pass and Tier Qualifying Points toward A-List and A-List Preferred Status.
  • Upgrade to Extra Legroom seat within 48 hours prior to departure when available (for travel in 2026 and beyond)

Pros

  • Upgrade to Extra Legroom seats within 48 hours prior to departure when available
  • 7,500 bonus points each cardmember anniversary (worth $105)
  • Preferred Seat selection at booking when available starting in 2026

Cons

  • $229 annual fee is the highest annual fee of any personal Southwest credit card.
  • Rapid Rewards points are only really valuable for Southwest award flights.
Annual Fee: $229
Foreign
Transaction Fee: 0%
Min Credit
Score: Good (670-739) *
Point
Value: $0.0125

Last updated March 27, 2025 to reflect the new dynamic pricing models which gives less value per point at peak times. Compared to the prior 1.4 cpp average, 1.25 cpp seems a bit more the average now.

APR: 19.74%-28.24% (Variable)
Balance
transfer fees: Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: JT Genter
Editor: Dave Grossman
Total Rating:
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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.
Last Updated: November 9, 2025
Intro bonus:
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Annual Fee:
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Southwest Rapid Rewards® Plus Credit Card Southwest Rapid Rewards® Plus Credit Card image
Card Details
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Southwest Rapid Rewards® Plus Credit Card

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(3.7) 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.
Min Credit Score:
Good (670-739) *
Annual Fee:
$99

☝ Increased Offer

Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening

Bonus points for spend in the following bonus categories:

Earn 2 points for every $1 you spend at gas stations and grocery stores on the first $5,000 in combined purchases per anniversary year.

2 x
Gas Stations
Estimated Rewards Value: 2.5%

Earn 2 points for every $1 you spend at gas stations and grocery stores on the first $5,000 in combined purchases per anniversary year.

2 x
Groceries
Estimated Rewards Value: 2.5%

Applies only to tickets purchased directly from Southwest. Other airfare earns 1X.

2 x
Airfare
Estimated Rewards Value: 2.5%
1 x
Everything Else
Estimated Rewards Value: 1.25%
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  • Lowest annual fee of any of the Southwest credit cards.
  • Cardmember anniversary bonus and free checked bags more than offset the card's annual fee.
  • Group 5 Boarding + your 1st checked bag free

Pros

  • 3,000 bonus points every account anniversary
  • Lowest annual fee of any Southwest credit cards
  • Group 5 Boarding + your 1st checked bag free

Cons

  • Bonus Spending categories could be better
  • No access to extra legroom seats like with the Priority card
Annual Fee: $99
Foreign
Transaction Fee: 0%
Min Credit
Score: Good (670-739) *
Point
Value: $0.0125

Last updated March 27, 2025 to reflect the new dynamic pricing models which gives less value per point at peak times. Compared to the prior 1.4 cpp average, 1.25 cpp seems a bit more the average now.

APR: 19.74%-28.24% (Variable)
Balance
transfer fees: Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: JT Genter
Editor: Dave Grossman
Total Rating:
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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.
Last Updated: November 9, 2025
Intro bonus:
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Annual Fee:
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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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(4.2) 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.
Min Credit Score:
Good (670-739) *
Annual Fee:
$199

🎁 Bonus offer

Earn 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.

Bonus points for spend in the following bonus categories:

Only at Hyatt family hotels booked directly. 1X on other hotels.

4 x
Hotels
Estimated Rewards Value: 6.8%

Earn a total of 2 points per $1 spent for the top three of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2 x
Airfare
Estimated Rewards Value: 3.4%

Earn a total of 2 points per $1 spent for the top three of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2 x
Transit
Estimated Rewards Value: 3.4%

Earn a total of 2 points per $1 spent for the top three of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2 x
Car Rentals
Estimated Rewards Value: 3.4%

Earn a total of 2 points per $1 spent for the top three of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2 x
Cable / Internet / Phone
Estimated Rewards Value: 3.4%

Earn a total of 2 points per $1 spent for the top three of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2 x
Gas Stations
Estimated Rewards Value: 3.4%

Earn a total of 2 points per $1 spent for the top three of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2 x
Cellular Phone Service
Estimated Rewards Value: 3.4%

Earn a total of 2 points per $1 spent for the top three of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2 x
Dining Out / Food Delivery
Estimated Rewards Value: 3.4%

Earn a total of 2 points per $1 spent for the top three of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2 x
Advertising on Search Engines and Social Media
Estimated Rewards Value: 3.4%

Earn a total of 2 points per $1 spent for the top three of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2 x
Shipping
Estimated Rewards Value: 3.4%
2 x
Gym Memberships
Estimated Rewards Value: 3.4%
1 x
Everything Else
Estimated Rewards Value: 1.7%
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  • 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: $0.017

Hyatt award rates range from 3,500 to 45,000 points per night at their regular hotels and resorts. At all-inclusive resorts and Miraval, the prices can reach as high as 58,000 points per night, Almost without fail, during even remotely peak times, we can find roughly 2 cents per point in value. You can even book Suites for incrementally more points (Premium Suite costs twice as much as a room, for example). I tend to find these are one of the best ways to spend Chase Ultimate Rewards points which transfer 1:1. They are the only major hotel program in the US with fixed award charts making it a great program to be able to set goals for your redemptions..

APR: 19.74%-28.24% (Variable)
Balance
transfer fees: Either $5 or 5% of the amount of each balance transfer, whichever is greater.
Author: Dave Grossman
Total Rating:
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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.
Last Updated: November 9, 2025
Intro bonus:
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Multipliers:
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💵 Your Projected Rewards Value
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Year 2 tbd
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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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(4.3) 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.
Min Credit Score:
Good (670-739) *
Annual Fee:
$299

🎁 Bonus offer

Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening

Bonus points for spend in the following bonus categories:

Applies only to Southwest Airlines booked directly with Southwest; Otherwise earn 1X

4 x
Airfare
Estimated Rewards Value: 5%
2 x
Gas Stations
Estimated Rewards Value: 2.5%

Booked directly with the hotel

2 x
Hotels
Estimated Rewards Value: 2.5%

Local transit and commuting, Including rideshare

2 x
Transit
Estimated Rewards Value: 2.5%
1 x
Everything Else
Estimated Rewards Value: 1.25%
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  • 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

Last updated March 27, 2025 to reflect the new dynamic pricing models which gives less value per point at peak times. Compared to the prior 1.4 cpp average, 1.25 cpp seems a bit more the average now.

APR: 19.74%-28.24% (Variable)
Balance
transfer fees: Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: JT Genter
Editor: Dave Grossman
Total Rating:
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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.
Last Updated: November 9, 2025
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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United℠ Business Card United℠ Business Card image
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United℠ Business Card

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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.
Min Credit Score:
Good (670-739) *
Annual Fee:
$0 Introductory Annual Fee for the first year, then $150

🎁 Bonus offer

Earn 75,000 bonus miles and 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open.

Bonus points for spend in the following bonus categories:

2 x
Airfare
Estimated Rewards Value: 2.4%
2 x
Transit
Estimated Rewards Value: 2.4%
2 x
Gas Stations
Estimated Rewards Value: 2.4%
2 x
Dining Out / Food Delivery
Estimated Rewards Value: 2.4%
2 x
Office Supplies
Estimated Rewards Value: 2.4%
1 x
Everything Else
Estimated Rewards Value: 1.2%
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  • 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, worth $40 or up to $160 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: $0 Introductory Annual Fee for the first year, then $150
Foreign
Transaction Fee: 0%
Min Credit
Score: Good (670-739) *
Point
Value: $0.012

They have a similar network to AA in terms of reach via the Star Alliance and also (unlike Delta) allow for booking First Class international awards in the Star Alliance network, but they charge noticeably more for Partner Awards and the rates keep (stealthily) rising. United partner Lufthansa tends to have good availability to Europe making it somewhat easier to use to Europe than American, which relies heavily on British Airways and BA charges incredibly steep surcharges on those awards.

APR: 20.24%-28.74% (Variable)
Balance
transfer fees: Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: Stella Shon
Editor: Dave Grossman
Total Rating:
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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.
Last Updated: November 9, 2025
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Hilton Honors Surpass® Credit Card Hilton Honors Surpass® Credit Card image
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American Express is an Advertising Partner

Hilton Honors Surpass® Credit Card

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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.
Min Credit Score:
Good *
Annual Fee:
$150 (Rates and fees)

☝ Increased Offer

Earn 155,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 1/14/2026. Terms apply.

Bonus points for spend in the following bonus categories:

At Hilton portfolio properties when you book direct with Hilton or the hotel. Otherwise, earn 3X points

12 x
Hotels
Estimated Rewards Value: 6%

U.S. gast stations

6 x
Gas Stations
Estimated Rewards Value: 3%

U.S. dining, including takeout and delivery

6 x
Dining Out / Food Delivery
Estimated Rewards Value: 3%

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.)

6 x
Groceries
Estimated Rewards Value: 3%

U.S. Online Retail Shopping

4 x
Online Retail Shopping
Estimated Rewards Value: 2%
3 x
All Other Eligible Purchases
Estimated Rewards Value: 1.5%
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  • Very high earn rate for all spend at Hilton properties (12X)
  • Comes with complimentary Hilton Gold elite status
  • Offers the ability to earn a valuable Free Night Reward with $15,000 in eligible spend in a calendar year

Pros

  • If you stay at Hilton Hotels often, the 12X earn rate on Hilton Hotels will really add up.
  • Includes mid-tier Hilton Honors™ Gold Status, a way to spend to Hilton Honors™ Diamond Status
  • Spend your way to a Free Night Reward valid at almost 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 via a devaluation of the loyalty program.
  • The Free Night Reward available with this card requires $15,000 in annual (calendar year) eligible spend
Annual Fee: $150
Foreign
Transaction Fee: 0%
Min Credit
Score: Good *
Point
Value: $0.005

Since Hilton moved to a variable pricing model, on average you'll be offered roughly a 0.5 cent value per point for average hotels. However, what is nice is that although the pricing is mostly variable, they still cap the "standard" redemption rate on all properties. With the 5th night free on all award stays and resort fees waived on award stays, it's very possible to well exceed this value - even getting 1-2 cents per point - when used wisely. With the addition of SLH as fully integrated into the Hilton fold, we had raised the overall expected average redemption value to 0.6 cents, but lowered it back to 0.5 cents after two devaluations in 2025 pushed awards at the top end from 150,000 points to 250,000 points - a sizable increase.

APR: 19.74%-28.74% (Variable)
Author: Dave Grossman
Total Rating:
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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.
Last Updated: November 9, 2025
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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.
Min Credit Score:
Good (670-739) *
Annual Fee:
$149

🎁 Bonus offer

Earn 60,000 points after you spend $3,000 on purchases in the first 3 months from account opening.

Bonus points for spend in the following bonus categories:

Earn 3X on Southwest flights booked directly; otherwise earn 1X

3 x
Airfare
Estimated Rewards Value: 3.75%

Earn 2 points for every $1 you spend at gas stations and restaurants on the first $8,000 in combined purchases per anniversary year

2 x
Gas Stations
Estimated Rewards Value: 2.5%

Earn 2 points for every $1 you spend at gas stations and restaurants on the first $8,000 in combined purchases per anniversary year

2 x
Dining Out / Food Delivery
Estimated Rewards Value: 2.5%
1 x
Everything Else
Estimated Rewards Value: 1.25%
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  • 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

Last updated March 27, 2025 to reflect the new dynamic pricing models which gives less value per point at peak times. Compared to the prior 1.4 cpp average, 1.25 cpp seems a bit more the average now.

APR: 19.74%-28.24% (Variable)
Balance
transfer fees: Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: JT Genter
Editor: Dave Grossman
Total Rating:
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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.
Last Updated: November 9, 2025
Intro bonus:
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Marriott Bonvoy Boundless® Credit Card Marriott Bonvoy Boundless® Credit Card image
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All information about the Marriott Bonvoy Boundless® Credit Card has been collected independently by Your Best Credit Cards.

Marriott Bonvoy Boundless® 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.
Min Credit Score:
Very good (740-799) *
Annual Fee:
$95

☝ Increased Offer

Earn 125,000 bonus points and 1 Free Night Award* (valued up to 50,000 points) after spending $3,000 within 3 months of account opening.

Bonus points for spend in the following bonus categories:

Earn 6X when you book Marriott Bonvoy properties direct. Earn 2X on all other hotel bookings.

6 x
Hotels
Estimated Rewards Value: 3.3%
3 x
Gas Stations
Estimated Rewards Value: 1.65%
3 x
Dining Out / Food Delivery
Estimated Rewards Value: 1.65%
3 x
Groceries
Estimated Rewards Value: 1.65%
2 x
Everything Else
Estimated Rewards Value: 1.1%
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  • Earn a free night award every year worth up to 35,000 Marriott Bonvoy points
  • Earn an outstanding 6X points per dollar for stays at Marriott Bonvoy hotels and resorts.
  • Automatic Marriott Bonvoy Silver elite status, with a pathway to Gold status every year by spending $35,000+ on the card

Pros

  • The annual free night award on the card is worth around $210 based on our estimations - more than double the $95 annual fee
  • The card is especially rewarding on Marriott purchases, with the ability to earn an excellent 6X multiplier at Marriott Bonvoy properties
  • Great travel card all around, thanks to travel protections and no foreign transaction fees

Cons

  • $95 annual fee
  • Silver elite status doesn't provide many perks on its own, so it's worth it to achieve Gold status or upgrade to a higher-tier Marriott Bonvoy credit card
  • Only earns 2x Marriott Bonvoy points per dollar after reaching the $6,000 cap on combined purchases on grocery stores, gas stations and dining
Annual Fee: $95
Foreign
Transaction Fee: 0%
Min Credit
Score: Very good (740-799) *
Point
Value: $0.0055

While Marriott Bonvoy dropped all award charts in favor of a dynamic pricing system, it hasn't gotten out of hand and the 5th night free on awards can still provide outsized value. It's also hard to beat the breadth of Marriott Bonvoy properties all over the world. That said, the prices have gone up and up again, and the ever increasing resort fees are not waived on Bonvoy award nights, which does draw the point value down.

Author: Stella Shon
Editor: Dave Grossman
Total Rating:
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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.
Last Updated: November 9, 2025
Intro bonus:
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Citi Strata℠ Card

Annual fee
$0
Point value
$0.01 -
$0.017
Best Multiplier
3x Groceries
3x Gas Stations
+ 3 more

Bonus Offer

There is no bonus offer at this time

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Citi Strata Elite℠

Annual fee
$595
Point value
$0.01 -
$0.017
Best Multiplier
12x Hotels
12x Car Rentals
+ 3 more

Bonus Offer

For a limited time, earn 100,000 bonus Points after spending $6,000 in the first 3 months of account opening.

Card Details
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Chase Sapphire Reserve for Business℠

Annual fee
$795
Point value
$0.01 -
$0.0175
Best Multiplier
8x Airfare
8x Hotels
+ 4 more

Bonus Offer

Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and with more than $2,500 in annual value, there's no competition.

Card Details Learn How to Apply
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A no annual fee credit card earning transferable points

Annual fee
$0
Point value
$0.01 -
$0.017
Best Multiplier

Bonus Offer

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Card Details How to Apply
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A Very Premium Credit Card

Annual fee
$595
Point value
$0.01
Best Multiplier

Bonus Offer

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Miles and Lounge Access

Annual fee
$595
Point value
$0.014
Best Multiplier

Bonus Offer

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Business Airline Credit Card Earning Valuable Miles for oneworld Flights

Annual fee
$95
Point value
$0.017
Best Multiplier

Bonus Offer

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Mid Tier Airline Credit Card Earning Valuable Miles for oneworld Flights

Annual fee
$350
Point value
$0.014
Best Multiplier

Bonus Offer

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Premium Airline Credit Card Earning Valuable Miles for oneworld Flights

Annual fee
$395
Point value
$0.017
Best Multiplier

Bonus Offer

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Card Details Learn How To Apply
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Airline Credit Card Earning Valuable Miles for oneworld Flights

Annual fee
$95
Point value
$0.017
Best Multiplier

Bonus Offer

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Card Details Learn How To Apply

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