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Chase Ink Business Preferred® 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 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Two weeks only – Ends Feb 17, 2025
While they had a transfer bonus for 40% that ended at the end of November, you may still find 20% worthwhile if you have a trip to book now…
KEEP IN MIND: Virgin Flying Club has moved to a dynamic pricing for awards. In some cases we are seeing extreme value like 29,000 point Business Class awards from the US to London. In other cases, the prices have risen dramatically. Run some searches before transferring.
It’s also worth Virgin Atlantic transfer bonuses are fairly frequent between various programs. See historical transfer bonuses to Virgin Atlantic here. This is the 8th transfer bonus in the last year from a bank program to Virgin Atlantic.
Best Uses of Virgin Flying Club points:
Two great uses are domestically on Delta within the US or US-Mexico/Canada and for economy flights to/from Europe that are as few as 12,000 miles each way on partners such as KLM or Delta.
If you could actually find a Delta One award FROM Europe to the US, it would be just 50,000 points. Availability is a unicorn. Unfortunately, awards TO Europe on Delta now cost more and have $1,000 + surcharges)
The other, well known, “best use” is to book ANA First and Business class awards:
- First Class to/from Japan from West Coast: 145,000 points Round Trip
- First Class to/from Japan from East Coast: 170,000 points Round Trip
- Business Class to/from Japan from West Coast: 105,000 points Round Trip
- Business Class to/from Japan from East Coast: 120,000 points Round Trip
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.
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.
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.
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.
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.
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.
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.
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.
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.
- 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
The Sapphire Reserve, Sapphire Preferred, and Ink Preferred all have the ability to transfer to airline and hotel partners. We use an average value that you can expect to get by utilizing your points for these transfer partners. If you do not have at least one of these cards, Ultimate Rewards are worth exactly 1 cent per point. Also keep in mind that when you redeem your points, you can elect to book travel through the Ultimate Rewards portal where the Sapphire Preferred and Ink Preferred have a point value of 1.25 cents per point and the Sapphire Reserve has points worth 1.5 cents each. You can move points freely between your Ultimate Rewards cards, i.e. from a Chase Freedom Unlimited to a Chase Sapphire Reserve. You can also read our Guide to Chase Ultimate Rewards points.

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Chase Sapphire Reserve®
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 $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
Two weeks only – Ends Feb 17, 2025
While they had a transfer bonus for 40% that ended at the end of November, you may still find 20% worthwhile if you have a trip to book now…
KEEP IN MIND: Virgin Flying Club has moved to a dynamic pricing for awards. In some cases we are seeing extreme value like 29,000 point Business Class awards from the US to London. In other cases, the prices have risen dramatically. Run some searches before transferring.
It’s also worth Virgin Atlantic transfer bonuses are fairly frequent between various programs. See historical transfer bonuses to Virgin Atlantic here. This is the 8th transfer bonus in the last year from a bank program to Virgin Atlantic.
Best Uses of Virgin Flying Club points:
Two great uses are domestically on Delta within the US or US-Mexico/Canada and for economy flights to/from Europe that are as few as 12,000 miles each way on partners such as KLM or Delta.
If you could actually find a Delta One award FROM Europe to the US, it would be just 50,000 points. Availability is a unicorn. Unfortunately, awards TO Europe on Delta now cost more and have $1,000 + surcharges)
The other, well known, “best use” is to book ANA First and Business class awards:
- First Class to/from Japan from West Coast: 145,000 points Round Trip
- First Class to/from Japan from East Coast: 170,000 points Round Trip
- Business Class to/from Japan from West Coast: 105,000 points Round Trip
- Business Class to/from Japan from East Coast: 120,000 points Round Trip
Bonus points for spend in the following bonus categories:
Only applies to bookings made viaChase Travel℠. Otherwise earn 3X points per dollar.
Only applies to bookings made viaChase Travel℠. Otherwise earn 3X points per dollar.
Only applies to bookings made via Chase Travel℠. Otherwise earn 3X points per dollar.
- 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
The Sapphire Reserve, Sapphire Preferred, and Ink Preferred all have the ability to transfer to airline and hotel partners. We use an average value that you can expect to get by utilizing your points for these transfer partners. If you do not have at least one of these cards, Ultimate Rewards are worth exactly 1 cent per point. Also keep in mind that when you redeem your points, you can elect to book travel through the Ultimate Rewards portal where the Sapphire Preferred and Ink Preferred have a point value of 1.25 cents per point and the Sapphire Reserve has points worth 1.5 cents each. You can move points freely between your Ultimate Rewards cards, i.e. from a Chase Freedom Unlimited to a Chase Sapphire Reserve. You can also read our Guide to Chase Ultimate Rewards points.

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Chase Sapphire Preferred® 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 $4,000 on purchases in the first 3 months from account opening.
Two weeks only – Ends Feb 17, 2025
While they had a transfer bonus for 40% that ended at the end of November, you may still find 20% worthwhile if you have a trip to book now…
KEEP IN MIND: Virgin Flying Club has moved to a dynamic pricing for awards. In some cases we are seeing extreme value like 29,000 point Business Class awards from the US to London. In other cases, the prices have risen dramatically. Run some searches before transferring.
It’s also worth Virgin Atlantic transfer bonuses are fairly frequent between various programs. See historical transfer bonuses to Virgin Atlantic here. This is the 8th transfer bonus in the last year from a bank program to Virgin Atlantic.
Best Uses of Virgin Flying Club points:
Two great uses are domestically on Delta within the US or US-Mexico/Canada and for economy flights to/from Europe that are as few as 12,000 miles each way on partners such as KLM or Delta.
If you could actually find a Delta One award FROM Europe to the US, it would be just 50,000 points. Availability is a unicorn. Unfortunately, awards TO Europe on Delta now cost more and have $1,000 + surcharges)
The other, well known, “best use” is to book ANA First and Business class awards:
- First Class to/from Japan from West Coast: 145,000 points Round Trip
- First Class to/from Japan from East Coast: 170,000 points Round Trip
- Business Class to/from Japan from West Coast: 105,000 points Round Trip
- Business Class to/from Japan from East Coast: 120,000 points Round Trip
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.
Earn this multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.
Earn this multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.
- 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.
The Sapphire Reserve, Sapphire Preferred, and Ink Preferred all have the ability to transfer to airline and hotel partners. We use an average value that you can expect to get by utilizing your points for these transfer partners. If you do not have at least one of these cards, Ultimate Rewards are worth exactly 1 cent per point. Also keep in mind that when you redeem your points, you can elect to book travel through the Ultimate Rewards portal where the Sapphire Preferred and Ink Preferred have a point value of 1.25 cents per point and the Sapphire Reserve has points worth 1.5 cents each. You can move points freely between your Ultimate Rewards cards, i.e. from a Chase Freedom Unlimited to a Chase Sapphire Reserve. You can also read our Guide to Chase Ultimate Rewards points.


Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Chase Ink Business 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 $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.
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.
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.
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.
- 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.
When a card earns cash back, it has a value in our calculator of $0.01, just as you'd expect! 😉

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
The Blue Business® Plus Credit Card from American Express
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. Terms Apply.
It may take up to 24 hours to get the bonus miles which are being offered by Lifemiles rather than Amex.
Exact end time is February 28th, 2025 (11:59 PM GMT-6).
Details of the transfer bonus are here on the Lifemiles website. The bonus is being solely offered by Lifemiles and therefore you will not see the offer on the American Express website.
That said, I do not think almost anyone should be taking advantage of this offer.
As I said on the 1st, when Bilt was offering up to a huge 100% transfer bonus:
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.
Unlike the Bilt offer, with this offer a mere 15%, I cannot see a case for the transfer unless you were literally about to make a Lifemiles booking anyway.
Bonus points for spend in the following bonus categories:
- 2X points rewards rate on all eligible purchases (up to the first $50,000 spent per calendar year), then 1X
- No annual fee; plus, add employee cards for no additional cost
- Business expense management tools and expanded buying power ability
Pros
- No annual fee, making the Blue Business Plus a great starter card for new or small business owners
- Earn 2X Membership Rewards points on purchases (capped at the first $50,000 in a year)
- Business expense management tools and expanded buying power ability
Cons
- The 2x earning rate is capped at $50,000 per year
- Charges a foreign transaction fee
Instant Transfers as well as solid transfer partners. The value would go up if they had any hotel partners with a fair exchange rate. ANA (an exception to instant transfers), Virgin, Air Canada and Avianca are top airline partners for maximizing your points. They can also transfer to Delta if you wish and while the rates aren't ideal, they can transfer to Marriott and Hilton as well. ANA provides almost unbeatable value for booking a Round the World flight all in Business Class. The stated value also assumes you will take advantage of transfer partners rather than book via their booking portal, where they are only worth between 1 and 1.5 cents. We've also created a Guide to American Express Membership Rewards.

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
The American Express Blue Business Cash™ Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.
Bonus points for spend in the following bonus categories:
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.
- Offers Extended Warranty, Purchase Protection
- No annual fee
Pros
- If you like simple, this card offers that with 2% cash back and no bonus categories to keep track of
- No annual fee
- Comes with Extended Warranty, Purchase Protection, and Secondary Collission Damage Waiver on rental cars.
Cons
- No bonus categories means no way to multiply your earnings
- Foreign transaction fees apply if you use the card abroad
- Does not have nearly as many Amex benefits as its fee-based cards
When a card earns cash back, it has a value in our calculator of $0.01, just as you'd expect! 😉

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bilt 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
There's no traditional bonus offer, but you'll be eligible for Rent Day double points on the 1st of every month (excluding rent).
Bonus points for spend in the following bonus categories:
- The only credit card that lets you earn points for paying your rent with no transaction fee
- Double points on the first of every month during Rent Day (Max 1,000 Bonus Points; excludes tax payments)
- Bilt Rewards points are surprisingly valuable, with some of the best transfer partners of any program
Pros
- Earn valuable transferrable points for paying your rent with the Bilt card
- Comes with a range of trip protections, no Foreign Transaction Fees and cellular telephone protection
- No annual fee
Cons
- Somewhat limited bonus categories beyond rent
- Earning points requires you to use the card 5 times each statement period
- Lost American Airlines AAdvantage as a transfer partner
The currency of the only credit card that earns points for paying your rent with absolutely no fees (up to 100,000 points per year), it also has stellar transfer partners providing great value. Examples are World of Hyatt, American Airlines, United Airlines, and Turkish Airlines. They also award double points on Rent Day (up to 10,000 per Rent Day) on the first of each month and have one special "deal" on that day as well, different each month.

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.


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