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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.
This is a sort of odd one in my opinion… the bonus is 65% until June 30. Starting July 1 through August 15, the bonus drops to 50%.
Get 65% bonus Marriott Bonvoy points when you transfer Ultimate Rewards points between 12:00 AM ET on June 15, 2025 and 11:59 PM ET on June 30, 2025. When the early bird offer ends, get 50% bonus Marriott Bonvoy points when you transfer Ultimate Rewards points between 12:00 AM ET on July 1, 2025 and 11:59 PM ET on August 15, 2025. Bonus points will be awarded by Marriott Bonvoy in your Marriott Bonvoy account up to 7 days after your transfer is complete.
Here is a link to historical transfer bonuses to Marriott Bonvoy.
And here is a link to historical transfer bonuses specifically from Chase Ultimate Rewards to Marriott Bonvoy. We did see 70% last summer, but other than that 65% is pretty much h as high as it gets while the second tier 50% offer is average.
That said, this is almost never a good transfer unless you are topping off for an award you are ready to book. Keep in mind that we value a Chase 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 Ultimate Rewards partners.
Get 20% Bonus Aeroplan® points when you transfer Chase Ultimate Rewards®points between 12:00 AM ET on June 5, 2025 and 11:59 PM ET on July 17, 2025. Bonus points will be awarded by Aeroplan in your Aeroplan account after your transfer is complete. Promotional offer terms and conditions apply.
Note that if you have the Aeroplan® Credit Card you can get up to 30% bonus Aeroplan points (20% from the limited time offer and an extra 10% for being a Cardmember). To get the additional 10% bonus, Chase Aeroplan Cardmembers need to transfer a minimum of 50,000 points or more from Chase Ultimate Rewards® to Aeroplan, up to a maximum of 25,000 bonus Aeroplan points per calendar year. Bonus points will be awarded by Aeroplan in your Aeroplan account after your transfer is complete.
Here is a list of historical transfer bonuses to Aeroplan. They are generally from 20-30%, but the last few have been 20%.
Aeroplan sweet spots: No fuel surcharges; just a $39CAD booking fee. Lap infant just $25CAD. Can book Etihad and Emirates (although Emirates F is priced at unbookable price levels) as well as Star Alliance flights. Add a stopover for just 5,000 miles!
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 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
Earn $350 in the form of 35,000 Ultimate Rewards points when you spend $3,000 on purchases in the first three months and an additional $400 in the form of 40,000 Ultimate Rewards points when you spend $6,000 on purchases in the first six months after account opening. 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 - 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
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.
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
For a limited time, earn 75,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 5 months of account opening.
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.
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.
⌛ Limited Time Offer
60,000 Bonus Points plus Explorist status through 2/28/26 after you spend $7,000 on purchases in your first 3 months from account opening. Offer ends 6/30/25.
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.
Southwest® Rapid Rewards® Performance 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 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
- Four Upgraded Boardings each card membership year
- Generous spending rewards categories
- 9,000 bonus points on every cardmember anniversary
Pros
- Four Upgraded Boardings each card membership year
- Generous spending rewards categories
- 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
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.
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 Bold 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.
👑 Best Ever Offer
Earn 60,000 bonus points and 1 Free Night* (valued up to 50,000 points) after spending $2,000 in the first 3 months from account opening.
Bonus points for spend in the following bonus categories:
Earn 3X at Marriott Bonvoy properties booked direct. Earn 2X on all other hotel bookings.
Select Streaming services
- Beginner-friendly travel card with no annual fee and no foreign transaction fees to worry about
- Automatic Silver elite status with 15 annual elite night credits for holding the card
- Important travel and purchase coverages, including baggage delay insurance, trip delay reimbursement and purchase protection
Pros
- No annual fee
- Automatic Silver elite status in the Marriott Bonvoy program and 15 elite night credits every year
- Earn 6X Bonvoy points at participating Marriott hotels
Cons
- Marriott Bonvoy Silver elite status won't get you much besides priority late checkout
- The card doesn't come with a Marriott free night award
- The earning rate on non-Marriott purchases is mediocre (2x points on travel purchases and 1x points on all other eligible purchases)
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.
Southwest Rapid Rewards® Priority 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.
☝ Increased Offer
Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening. (See Companion Pass Guide!)
Bonus points for spend in the following bonus categories:
Applies only to tickets purchased directly from Southwest. Other airfare earns 1X.
- Excellent Southwest-specific perks - including an annual travel credit and bonus points every cardmember anniversary.
- Earn points toward Southwest Companion Pass and Tier Qualifying Points toward A-List and A-List Preferred Status.
- Solid purchase and travel protections.
Pros
- $75 Southwest annual travel credit
- 7,500 bonus points each cardmember anniversary (worth $105)
- Four Upgraded Boarding passes each year
Cons
- $149 annual fee is the highest annual fee of any personal Southwest credit card.
- Rapid Rewards points are only really valuable for Southwest award flights.
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.
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.
Southwest Rapid Rewards® Plus 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.
☝ Increased Offer
Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening. (See Companion Pass Guide!)
Bonus points for spend in the following bonus categories:
Applies only to tickets purchased directly from Southwest. Other airfare earns 1X.
- Lowest annual fee of any of the Southwest credit cards.
- Cardmember anniversary bonus and EarlyBird Check-In more than offset the card's annual fee.
- Solid travel and purchase protections.
Pros
- Two Early-Bird Check-Ins each year
- 3,000 bonus points every account anniversary
- Lowest annual fee of any Southwest credit cards
Cons
- Bonus Spending categories could be better
- This card does have foreign transaction fees on overseas purchases, unlike the Southwest Premier and Priority credit cards
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.
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.
IHG One Rewards Traveler 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.
☝ Increased Offer
Earn 120,000 bonus points after spending $2,000 in the first 3 months from account opening
Bonus points for spend in the following bonus categories:
At IHG brand hotels and resorts booked directly; otherwise earn 2X.
- Despite no annual fee, get IHG Silver Elite and a fourth reward night free on rewards of 4 or more consecutive nights
- Earn bonus points at IHG hotels and resorts, at gas stations, streaming services, and more
- Get solid purchase and travel protections
Pros
- Get a fourth night free on all reward night stays of 4+ nights.
- No annual fee.
- Solid sign up bonus points, especially for a no annual fee card.
Cons
- Doesn't come with a free night award, like the IHG Premier Card
- Complimentary Silver Elite status doesn't offer many perks
IHG, home of hotel brands like Intercontinental and Holiday Inn, generally provide about four tenths of a cent in value, following a 2021 devaluation and move to fully dynamic award pricing. I'll redeem when I can get more than that. While you can transfer from Chase Ultimate Rewards to IHG, you really never should as you are cutting the value in half as they transfer 1:1. There is no cap on any hotel rates in points like with Hilton. If you have an IHG Premier or Business Premier credit card, you'll get the 4th night free on rewards which can add significant value.
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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