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American Express® Business Gold Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Earn 70,000 Membership Rewards points when you spend $10,000 within first 3 months. Terms apply.
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
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
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
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
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
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
3X Membership Rewards Points on Flights and Prepaid Hotels Booked at AmexTravel.com; Otherwise 1X
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card; 1X otherwise
- Amazing Membership Rewards points earning rate for 6 popular business spending categories
- No Preset Spending Limit
- 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
Instant Transfers as well as solid transfer partners. The value would go up if they had any hotel partners with a fair exchange rate. ANA (an exception to instant transfers), Virgin, Air Canada and Avianca are top airline partners for maximizing your points. They can also transfer to Delta if you wish and while the rates aren't ideal, they can transfer to Marriott and Hilton as well. ANA provides almost unbeatable value for booking a Round the World flight all in Business Class. The stated value also assumes you will take advantage of transfer partners rather than book via their booking portal, where they are only worth between 1 and 1.5 cents. We've also created a Guide to American Express Membership Rewards.

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
World of Hyatt Business Credit Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Earn 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.
Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.
Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.
Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.
Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.
Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.
Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.
Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.
Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.
Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.
- 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
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..

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.
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
65,000 bonus AAdvantage® miles after spending $4,000 in your first 4 months
Bonus points for spend in the following bonus categories:
Earn 2X miles on American Airlines purchases made directly with American Airlines. Otherwise, earn 1X.
- First free checked bag can help you save $30 per American Airlines flight
- Preferred boarding and a 25% discount on inflight food, drinks or wifi
- Earn Loyalty Points and up to 2x miles on select categories tailored for business owners
Pros
- First free checked bag on domestic American Airlines flights
- Earn 1 Loyalty Point per $1 spent on the card
- Earn an annual companion certificate by spending $30,000+ on the card
Cons
- The annual fee costs $99 after the first year
- Lacks travel insurance benefits
- No Admirals Club lounge access
Since AAdvantage moved to revenue based redemptions, they are a bit less valuable than they used to be. However, they can still book First and Business Class seats on oneworld partner airlines like Qatar Airways and Japan Airlines, and we also find that they can have occasional deals with forward cabin seats on American.

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Chase Ink Business Cash® Credit Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Get $900 in the form of 90,000 Ultimate Rewards points when you spend $6,000 in your first 3 months. Points are transferrable if you also hold a Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred.
Bonus points for spend in the following bonus categories:
- 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.
- 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
The Sapphire Reserve, Sapphire Preferred, and Ink Preferred all have the ability to transfer to airline and hotel partners. We use an average value that you can expect to get by utilizing your points for these transfer partners. If you do not have at least one of these cards, Ultimate Rewards are worth exactly 1 cent per point. Also keep in mind that when you redeem your points, you can elect to book travel through the Ultimate Rewards portal where the Sapphire Preferred and Ink Preferred have a point value of 1.25 cents per point and the Sapphire Reserve has points worth 1.5 cents each. You can move points freely between your Ultimate Rewards cards, i.e. from a Chase Freedom Unlimited to a Chase Sapphire Reserve. You can also read our Guide to Chase Ultimate Rewards points.

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Marriott Bonvoy Boundless® Credit Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Earn 3 Free Nights (each night valued up to 50,000 points) after spending $3,000 on purchases in your first 3 months from 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.
- 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
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.

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.
Marriott Bonvoy Business® American Express® Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Earn three Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Redemption level up to 50,000 Marriott Bonvoy® points for each bonus Free Night Award, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
Bonus points for spend in the following bonus categories:
6X only applies to Marriott Bonvoy hotels booked directly with Marriott or the hotel. Otherwise, earn 2X.
At U.S. gas stations
With U.S. Cellular Providers
Worldwide
With U.S. Shipping companies
- Earn an annual free night award after your card renewal month (with a redemption level of up to 35,000 Marriott Bonvoy points - or 50,000 if you "top off" with up to 15,000 of your own additional points) with the opportunity to earn an additional free night award from spend
- A solid 7% room rate discount at 8,500+ properties participating in the Marriott Bonvoy program
- Complimentary Marriott Bonvoy elite status (Gold) and 15 annual elite credits with your card membership
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 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
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.

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.
Hilton Honors Surpass® Credit Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Earn 170,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 1/17/2024. 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
U.S. gast stations
U.S. dining, including takeout and delivery
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.)
U.S. Online Retail Shopping
- 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 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 Gold status, a way to spend to 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) spend
Since Hilton moved to a variable pricing model, on average you'll be offered roughly a 0.5 cent value per point. 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.

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Citi® / AAdvantage® Platinum Select® World Elite MasterCard
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Earn 50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in purchases within the first 3 months of account opening
Bonus points for spend in the following bonus categories:
- Get a free checked bag on domestic American Airlines itineraries (for the primary cardholder and up to four companions)
- Avoid having to gate-check your carry-on bag thanks to Group 5 preferred boarding
- Earn Loyalty Points toward AAdvantage elite status through credit card spending
Pros
- Get a free checked bag on domestic American Airlines itineraries (for the primary cardholder and up to four companions)
- Avoid having to gate-check your carry-on bag thanks to Group 5 preferred boarding
- Earn Loyalty Points toward AAdvantage elite status through credit card spending
Cons
- Limited bonus miles categories
- Card perks are limited to travel on American Airlines flights
- Miles earned can only be used inside of the AAdvantage program
Since AAdvantage moved to revenue based redemptions, they are a bit less valuable than they used to be. However, they can still book First and Business Class seats on oneworld partner airlines like Qatar Airways and Japan Airlines, and we also find that they can have occasional deals with forward cabin seats on American.


Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
The Hilton Honors American Express Business Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership. Terms Apply.
Bonus points for spend in the following bonus categories:
Applies only at Hilton Honors hotels booked directly with Hilton; else earn 3X points per dollar.
- Very high earn rate for all spend at Hilton properties (12X)
- Comes with complimentary Hilton Gold elite status
- Offers the ability to spend your way to up to two free nights at any Hilton property in the world
Pros
- If you stay at Hilton Hotels often, the 12X earn rate on Hilton Hotels will really add up.
- Comes with 10 Priority Pass airport lounge visits annually
- 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 10 Priority Pass visits that come with the Hilton Honors American Express Business Card are not valid at airport restaurants that otherwise participate in the Priority Pass program as all Priority Passes offered by American Express exclude this benefit.
Since Hilton moved to a variable pricing model, on average you'll be offered roughly a 0.5 cent value per point. 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.

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Citi Premier® Credit Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Earn 60,000 bonus ThankYou(R) Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou(R) Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel(SM) portal through June 30, 2024.
Bonus points for spend in the following bonus categories:
- Earn triple points from five distinct spending categories from air travel and hotels to restaurants, supermarkets, gas stations
- Take advantage of World Elite Mastercard perks, like Lyft and DoorDash perks and extended warranty protection
- Citi ThankYou points are extremely flexible, with the ability to utilize an array of 14 airline and two hotel transfer partners to get the most bang for your buck on travel
Pros
- The $95 annual fee can be completely offset by the $100 hotel credit
- Redeem Citi ThankYou points for a variety of travel, including the ability to transfer points to a total of 16 airline and hotel programs
- Generous welcome bonus
Cons
- Unlike some competitors, there are no included travel insurance or trip protection benefits in case something goes wrong
- Citi ThankYou points can only be transferred to airline programs (no hotels) and of them, the partners are more obscure international airlines
- Weaker on travel perks, with no airport lounge access or TSA PreCheck/Global Entry reimbursement
If you have a Citi Premier card or a legacy Citi Prestige card, you can transfer your points to Citi's full range of airline and hotel partners. Other ThankYou points-earning cards can be pooled with your Premier or Prestige to unlock airline and hotel program transfers. We calculate that you can get an average of 1.6 cents per point when redeeming this way. If you have any other Citi ThankYou point cards and do not have a Premier or Prestige, then your ThankYou points are worth 1 cent each.


Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.





Citi® Diamond Preferred® Credit Card




Citi Custom Cash℠ Card
$0.016