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Chase Ink Business Premier℠ Credit Card

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(3.8) 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:
$195

Bonus Offer

Earn $1,000 bonus cash back after you spend $10,000 on purchases in your first 3 months from account opening.

Bonus points for spend in the following bonus categories:

Only applies to bookings made in the Chase Ultimate Rewards portal. Otherwise, you'll earn the default rate (2% - 2.5%) for everyday spend on this card.

5 x
Airfare
Estimated Rewards Value: 5%

Only applies to bookings made in the Chase Ultimate Rewards portal. Otherwise, you'll earn the default rate (2% - 2.5%) for everyday spend on this card.

5 x
Cruises
Estimated Rewards Value: 5%

Only applies to bookings made in the Chase Ultimate Rewards portal. Otherwise, you'll earn the default rate (2% - 2.5%) for everyday spend on this card.

5 x
Car Rentals
Estimated Rewards Value: 5%

Only applies to bookings made in the Chase Ultimate Rewards portal. Otherwise, you'll earn the default rate (2% - 2.5%) for everyday spend on this card.

5 x
Hotels
Estimated Rewards Value: 5%
2.5 x
Single Charges over $5,000
Estimated Rewards Value: 2.5%
2 x
Everything Else
Estimated Rewards Value: 2%
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  • 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

When a card earns cash back, it has a value in our calculator of $0.01, just as you'd expect! 😉

APR: 19.49%-27.49% (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: April 27, 2024
Intro bonus:
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Chase Ink Business Preferred® Credit Card

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(4.6) 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:
$95

Bonus Offer

Get 100,000 Ultimate Rewards points as a bonus when you spend $8,000 in your first 3 months.

Get a 25% transfer bonus when you transfer Chase Ultimate Rewards to Air France Flying Blue.

Offer expires on Apr 30, 2024

FlyingBlue rates are variable, so run a search before transferring. The best way to book Virgin Atlantic Upper Class from the US to Europe and beyond.

Bonus points for spend in the following bonus categories:

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

3 x
Airfare
Estimated Rewards Value: 5.25%

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

3 x
Transit
Estimated Rewards Value: 5.25%

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

3 x
Car Rentals
Estimated Rewards Value: 5.25%

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

3 x
Cellular Phone Service
Estimated Rewards Value: 5.25%

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

3 x
Hotels
Estimated Rewards Value: 5.25%

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

3 x
Advertising on Search Engines and Social Media
Estimated Rewards Value: 5.25%

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

3 x
Shipping
Estimated Rewards Value: 5.25%

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

3 x
Cable / Internet / VOIP Phone
Estimated Rewards Value: 5.25%

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

3 x
Cruises
Estimated Rewards Value: 5.25%
1 x
Everything Else
Estimated Rewards Value: 1.75%
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 more
  • 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

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.

APR: 21.24%-26.24% (Variable)
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: April 27, 2024
Intro bonus:
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Annual Fee:
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Chase Sapphire Reserve®

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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.

Min Credit Score:
Excellent (800-850) *
Annual Fee:
$550

Bonus Offer

Earn 60,000 Ultimate Rewards points when you spend $4,000 in 3 months

Get a 25% transfer bonus when you transfer Chase Ultimate Rewards to Air France Flying Blue.

Offer expires on Apr 30, 2024

FlyingBlue rates are variable, so run a search before transferring. The best way to book Virgin Atlantic Upper Class from the US to Europe and beyond.

Bonus points for spend in the following bonus categories:

Only applies to bookings made viaChase Travel℠. Otherwise earn 3X points per dollar.

10 x
Car Rentals
Estimated Rewards Value: 17.5%

Only applies to bookings made viaChase Travel℠. Otherwise earn 3X points per dollar.

10 x
Hotels
Estimated Rewards Value: 17.5%

Only applies to bookings made via Chase Travel℠. Otherwise earn 3X points per dollar.

5 x
Airfare
Estimated Rewards Value: 8.75%
3 x
Transit
Estimated Rewards Value: 5.25%
3 x
Dining Out / Food Delivery
Estimated Rewards Value: 5.25%
3 x
Cruises
Estimated Rewards Value: 5.25%
1 x
Everything Else
Estimated Rewards Value: 1.75%
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 more
  • Earns extremely valuable Chase Ultimate Rewards points
  • Priority Pass Select airport lounge access for you and 2 guests
  • 3X points on dining and travel purchases with no limit - and even more points per dollar when you book airfare, hotels, and car rentals through Chase

Pros

  • Aside from a $300 annual credit on travel, you'll earn 3X Chase Ultimate Rewards points on all your travel purchases - and even more when you book via Chase
  • Full Priority Pass Select airport lounge access for you and 2 guests, including Priority Pass Experiences
  • Chase Ultimate Rewards points are both extremely valuable and simple to use

Cons

  • High annual fee
  • Not as many bonus categories as some other cards
  • Doesn't come with any airline or hotel statuses
Annual Fee: $550
Foreign
Transaction Fee:
0%
Min Credit
Score:
Excellent (800-850) *
Point
Value:
$0.01-$0.0175

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.

APR: 22.49%-29.49% (Variable)
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: April 27, 2024
Intro bonus:
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Annual Fee:
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Chase Sapphire Preferred® 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.

Min Credit Score:
Good (670-739) *
Annual Fee:
$95

Bonus Offer

60,000 bonus Ultimate Rewards points when you spend $4,000 in 3 months. This is worth at least $750 towards travel!

Get a 25% transfer bonus when you transfer Chase Ultimate Rewards to Air France Flying Blue.

Offer expires on Apr 30, 2024

FlyingBlue rates are variable, so run a search before transferring. The best way to book Virgin Atlantic Upper Class from the US to Europe and beyond.

Bonus points for spend in the following bonus categories:

Earn this multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.

5 x
Airfare
Estimated Rewards Value: 8.75%

Earn this multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.

5 x
Car Rentals
Estimated Rewards Value: 8.75%

Earn this multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.

5 x
Hotels
Estimated Rewards Value: 8.75%
3 x
Dining Out / Food Delivery
Estimated Rewards Value: 5.25%
3 x
Streaming Services
Estimated Rewards Value: 5.25%
2 x
Transit
Estimated Rewards Value: 3.5%
2 x
Cruises
Estimated Rewards Value: 3.5%
1 x
Everything Else
Estimated Rewards Value: 1.75%
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 more
  • Earns valuable and highly flexible Chase Ultimate Rewards points.
  • Extensive travel protections -- including lost luggage insurance and a damage waiver on rental cars.
  • 3X points on dining means you can rack up points quickly!

Pros

  • You can offset the annual fee by more than half with the $50 annual credit on hotel stays purchased through Chase Travel℠
  • Earns valuable and highly flexible Chase Ultimate Rewards points.
  • Extensive travel protections -- including lost luggage insurance and a damage waiver on rental cars.

Cons

  • A low earning rate of 1x point per dollar on other purchases keeps it from being an ideal everyday spending card.
  • High credit scores required for account opening.
  • Lack of travel benefits like a Global Entry application fee credit.
Annual Fee: $95
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.01-$0.0175

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.

APR: 21.49%-28.49% (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: April 27, 2024
Intro bonus:
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American Express is an Advertising Partner

The Blue Business® Plus Credit Card from American Express

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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:

Bonus Offer

Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. Terms Apply.

Get a 30% transfer bonus when you transfer American Express Membership Rewards to Virgin Atlantic Flying Club.

Offer expires on May 15, 2024

As always, your best uses are to fly Delta One to Europe (excluding England) for 50,000 miles – IF you can find available award space and to book ANA First and Business class awards.

Business Class on ANA to Japan would be 35,000 – 37,000 Chase points while First Class would be 56,000 – 66,000 Chase points (depending on if you are on the West Coast (cheaper) or East Coast.

One more great use is domestically on Delta within the US or US-Mexico/Canada.

Transfer time is up to 48 hours (often close to instant, though).

Bonus points for spend in the following bonus categories:

2 x
Airfare
Estimated Rewards Value: 3.4%
2 x
Transit
Estimated Rewards Value: 3.4%
2 x
Car Rentals
Estimated Rewards Value: 3.4%
2 x
Cable / Internet / VOIP Phone
Estimated Rewards Value: 3.4%
2 x
Costco
Estimated Rewards Value: 3.4%
2 x
Gas Stations
Estimated Rewards Value: 3.4%
2 x
Cellular Phone Service
Estimated Rewards Value: 3.4%
2 x
Dining Out / Food Delivery
Estimated Rewards Value: 3.4%
2 x
Hotels
Estimated Rewards Value: 3.4%
2 x
Lyft
Estimated Rewards Value: 3.4%
2 x
Office Supplies
Estimated Rewards Value: 3.4%
2 x
Shipping
Estimated Rewards Value: 3.4%
2 x
Single Charges over $5,000
Estimated Rewards Value: 3.4%
2 x
Groceries
Estimated Rewards Value: 3.4%
2 x
Cruises
Estimated Rewards Value: 3.4%
2 x
Drugstores
Estimated Rewards Value: 3.4%
2 x
Streaming Services
Estimated Rewards Value: 3.4%
2 x
Gym Memberships
Estimated Rewards Value: 3.4%
2 x
Advertising (Online / TV / Radio)
Estimated Rewards Value: 3.4%
2 x
Entertainment (Concerts / Shows / Movies)
Estimated Rewards Value: 3.4%
2 x
Advertising on Search Engines and Social Media
Estimated Rewards Value: 3.4%
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 more
  • 2X points rewards rate on all eligible purchases (up to the first $50,000 spent per calendar year), then 1X
  • No annual fee; plus, add employee cards for no additional cost
  • Business expense management tools and expanded buying power ability

Pros

  • No annual fee, making the Blue Business Plus a great starter card for new or small business owners
  • Earn 2X Membership Rewards points on purchases (capped at the first $50,000 in a year)
  • Business expense management tools and expanded buying power ability

Cons

  • Xhe 2x earning rate is capped at $50,000 per year
  • Charges a foreign transaction fee
Annual Fee: $0
Foreign
Transaction Fee:
2.7% of each transaction after conversion to US dollars.
Min Credit
Score:
Good (670-739) *
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: 0 % Intro APR (on purchases for 12 months, 18.49%-26.49% thereafter)
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: April 27, 2024
Intro bonus:
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American Express is an Advertising Partner

The American Express Blue Business Cash™ Card

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(3.8) 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:

Bonus Offer

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.

Bonus points for spend in the following bonus categories:

2 x
Airfare
Estimated Rewards Value: 2%
2 x
Transit
Estimated Rewards Value: 2%
2 x
Car Rentals
Estimated Rewards Value: 2%
2 x
Cable / Internet / VOIP Phone
Estimated Rewards Value: 2%
2 x
Costco
Estimated Rewards Value: 2%
2 x
Gas Stations
Estimated Rewards Value: 2%
2 x
Cellular Phone Service
Estimated Rewards Value: 2%
2 x
Dining Out / Food Delivery
Estimated Rewards Value: 2%
2 x
Hotels
Estimated Rewards Value: 2%
2 x
Lyft
Estimated Rewards Value: 2%
2 x
Office Supplies
Estimated Rewards Value: 2%
2 x
Shipping
Estimated Rewards Value: 2%
2 x
Single Charges over $5,000
Estimated Rewards Value: 2%
2 x
Groceries
Estimated Rewards Value: 2%
2 x
Cruises
Estimated Rewards Value: 2%
2 x
Drugstores
Estimated Rewards Value: 2%
2 x
Streaming Services
Estimated Rewards Value: 2%
2 x
Gym Memberships
Estimated Rewards Value: 2%
2 x
Advertising (Online / TV / Radio)
Estimated Rewards Value: 2%
2 x
Entertainment (Concerts / Shows / Movies)
Estimated Rewards Value: 2%
2 x
Advertising on Search Engines and Social Media
Estimated Rewards Value: 2%
2 x
U.S. Electronic Goods Retailers / Software / Cloud System Providers
Estimated Rewards Value: 2%
1 x
Everything Else
Estimated Rewards Value: 1%
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 more
  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.
  • Offers Extended Warranty, Purchase Protection
  • No annual fee

Pros

  • If you like simple, this card offers that with 2% cash back and no bonus categories to keep track of
  • No annual fee
  • Comes with Extended Warranty, Purchase Protection, and Secondary Collission Damage Waiver on rental cars.

Cons

  • No bonus categories means no way to multiply your earnings
  • Foreign transaction fees apply if you use the card abroad
  • Does not have nearly as many Amex benefits as its fee-based cards
Annual Fee: $0
Foreign
Transaction Fee:
2.7% of each transaction after conversion to US dollars.
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.01

When a card earns cash back, it has a value in our calculator of $0.01, just as you'd expect! 😉

APR: 0 % Intro APR (on purchases for 12 months, 18.49%-26.49% thereafter)
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: April 27, 2024
Intro bonus:
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Annual fee
$0
Point value
Best Multiplier
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Annual fee
$95
Point value
Best Multiplier
View Table Image
Annual fee
$0
Point value
Best Multiplier
View Table Image
Annual fee
$0
Point value
$0.01
Best Multiplier
5x Lyft
1.5x Everything Else
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Annual fee
$150
Point value
$0.005
Best Multiplier
12x Hotels
6x Gas Stations
+ 4 more
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Annual fee
$0
Point value
$0.012
Best Multiplier
2x Airfare
2x Dining Out / Food Delivery
+ 1 more
View Table Image
Annual fee
$650
Point value
$0.012
Best Multiplier
3x Airfare
1x Everything Else
View Table Image
Annual fee
$350
Point value
$0.012
Best Multiplier
3x Airfare
3x Hotels
+ 4 more
View Table Image
Annual fee
$350
Point value
$0.012
Best Multiplier
3x Airfare
3x Hotels
+ 3 more
View Table Image
Annual fee
$0
Point value
$0.012
Best Multiplier
2x Shipping
2x Advertising (Online / TV / Radio)
+ 3 more

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