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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 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership. Terms apply.
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:
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 means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.
- Card membership includes the very well regarded American Express customer service
Pros
- You can't beat the 4X points on 2 out of the following 6 categories each month: U.S. advertising and media, U.S. gas stations, U.S. electronic goods retailers and software & cloud system providers, U.S. restaurants, U.S. wireless telephone service providers, and U.S. Transit
- Although the annual fee seems high, if you max out the 4X on $150,000 in purchases, that earns you 600,000 Membership Rewards points which Your Best Credit Cards values at around $10,000
- Card membership includes the very well regarded American Express customer service
Cons
- The high annual fee, despite being worth it for high spenders
- If you spend well over $150,000 a year in these categories, you may max it out and remaining spend earns at just 1X.
- Car rental CDW coverage is secondary to your own auto insurance
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.
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 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
- Earn a 10% Business Relationship Bonus (only cards opened March 21 - Nov 2024; requires Chase Business Checking account) and 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.
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
60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening. Plus, 1 free night at any category 1-4 Hyatt hotel after spending $15,000 on purchases within the first 6 months of 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.
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
When used on Wanna Get Away fares, 1.3 cents is the approximate value you get. On certain international routeswith high taxes, however, you may be able to yield close to 2 cents. Those are the exceptions to the rule, though, so I peg the value at 1.4 cents.


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.
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
LIMITED TIME OFFER: Earn 125,000 Marriott Bonvoy® Points after you use your new Card to make $8,000 in eligible purchases within the first 6 months of Card Membership. Terms apply. Offer ends 03/12/2025.
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.
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.
Bonus 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.
When used on Wanna Get Away fares, 1.3 cents is the approximate value you get. On certain international routeswith high taxes, however, you may be able to yield close to 2 cents. Those are the exceptions to the rule, though, so I peg the value at 1.4 cents.


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.
Bonus 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
When used on Wanna Get Away fares, 1.3 cents is the approximate value you get. On certain international routeswith high taxes, however, you may be able to yield close to 2 cents. Those are the exceptions to the rule, though, so I peg the value at 1.4 cents.


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.
Bonus Offer
Earn 100,000 Bonus Points after spending $2,000 on purchases within the first 3 months of 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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