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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.
⚠️Offer Ending Soon
Offer Ends by 9 AM EST on 5/15/2025 Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. Best offer this year!
Get 25% bonus Virgin Points when you transfer Ultimate Rewards points between 12:00 AM ET on May 1, 2025 and 11:59 PM ET on June 15, 2025. Bonus points will be awarded by Virgin Atlantic Flying Club in your Flying Club account after your transfer is complete.
The first thing I’ll note is that there is currently a 30% transfer bonus from Citi ThankYou to Virgin Flying Club that ends May 17th.
Chase also had a limited two week only 30% transfer bonus to Virgin the first half of February.
Across all programs, there were 9 transfer bonuses to Virgin Atlantic’s Flying Club in 2024.
Bonuses are often 30% or even 40%, so I would not jump on a 25% bonus unless you are both flush with Ultimate Rewards and have a flight ready to book.
Keep in mind there are now massive surcharges on international Delta flights booked via Virgin to/from the US, killing off one of Virgin’s very best sweet spots (50k to/from Europe). So really, run a search before you transfer!
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. Delta One awards not to/from the US should still be a deal. Delta One to/from Europe is still 50,000 points but now with surcharges of around $1,000, so that “sweet spot” is dead.
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
Get 25% Bonus Flying Blue Miles when you transfer Ultimate Rewards® points between 12:00 AM ET on May 1, 2025 and 11:59 PM ET on May 31, 2025. Bonus Miles will be awarded by Flying Blue in your Flying Blue account after your transfer is complete.
The first thing to know is that Air France Flying Blue transfer bonuses are frequent.
Here is a list of historical transfer bonuses from Chase to Air France Flying Blue and here is a list of historical transfer bonuses to Air France Flying Blue from all programs
The last one from Chase was 20% at the start of this year and one from Chase last April for 25%.
Across all programs, we had 5 transfer bonuses to Flying Blue ranging from 20% – 25%.
Note that the minimum rates for some Flying Blue awards have recently increased:
Flying Blue rates are variable, so run a search before transferring. When you get lucky, business class from the US to Europe can run as low as 60,000 Flying Blue miles (up from 50,000 previously). But that would be just 48,000 credit card points during this promotion!
Flying Blue is often the best way to book Virgin Atlantic Upper Class from the US to Europe and beyond, due to the lowest taxes of any way to book Virgin Atlantic, however with Virgin’s new dynamic pricing you really have to compare the pricing on both programs as it can now be cheaper with Virgin in some cases. Flying Blue can also book Delta, KLM, and other SkyTeam members when Saver award space is available.
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 collision damage waiver on rental cars up to $60,000 (Primary except in NY where it is secondary)
- 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 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.
Get 25% bonus Virgin Points when you transfer Ultimate Rewards points between 12:00 AM ET on May 1, 2025 and 11:59 PM ET on June 15, 2025. Bonus points will be awarded by Virgin Atlantic Flying Club in your Flying Club account after your transfer is complete.
The first thing I’ll note is that there is currently a 30% transfer bonus from Citi ThankYou to Virgin Flying Club that ends May 17th.
Chase also had a limited two week only 30% transfer bonus to Virgin the first half of February.
Across all programs, there were 9 transfer bonuses to Virgin Atlantic’s Flying Club in 2024.
Bonuses are often 30% or even 40%, so I would not jump on a 25% bonus unless you are both flush with Ultimate Rewards and have a flight ready to book.
Keep in mind there are now massive surcharges on international Delta flights booked via Virgin to/from the US, killing off one of Virgin’s very best sweet spots (50k to/from Europe). So really, run a search before you transfer!
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. Delta One awards not to/from the US should still be a deal. Delta One to/from Europe is still 50,000 points but now with surcharges of around $1,000, so that “sweet spot” is dead.
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
Get 25% Bonus Flying Blue Miles when you transfer Ultimate Rewards® points between 12:00 AM ET on May 1, 2025 and 11:59 PM ET on May 31, 2025. Bonus Miles will be awarded by Flying Blue in your Flying Blue account after your transfer is complete.
The first thing to know is that Air France Flying Blue transfer bonuses are frequent.
Here is a list of historical transfer bonuses from Chase to Air France Flying Blue and here is a list of historical transfer bonuses to Air France Flying Blue from all programs
The last one from Chase was 20% at the start of this year and one from Chase last April for 25%.
Across all programs, we had 5 transfer bonuses to Flying Blue ranging from 20% – 25%.
Note that the minimum rates for some Flying Blue awards have recently increased:
Flying Blue rates are variable, so run a search before transferring. When you get lucky, business class from the US to Europe can run as low as 60,000 Flying Blue miles (up from 50,000 previously). But that would be just 48,000 credit card points during this promotion!
Flying Blue is often the best way to book Virgin Atlantic Upper Class from the US to Europe and beyond, due to the lowest taxes of any way to book Virgin Atlantic, however with Virgin’s new dynamic pricing you really have to compare the pricing on both programs as it can now be cheaper with Virgin in some cases. Flying Blue can also book Delta, KLM, and other SkyTeam members when Saver award space is available.
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 Unlimited® Credit Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
🎁 Bonus offer
Get $750 in the form of 75,000 Ultimate Rewards points when you spend $6,000 in your first 3 months. Points are transferrable if you also hold a Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred.
Bonus points for spend in the following bonus categories:
- Simple. Earn 1.5% cash back on all purchases
- Rich signup bonus
- No annual fee
Pros
- With 1.5% cash back on all purchases, it's a perfect "default" card for purchases not in a bonus category on your other cards
- No annual fee
- Points earned can be transferred to your Chase Ink Preferred®, Sapphire Preferred® Card, or Sapphire Reserve® Card
Cons
- Comes with a foreign transaction fee when travelling or making a purchase in a foreign currency
- Rewards earned are only cash back, although you can transfer the Ultimate Rewards points earned to a Chase Ink Preferred®, Sapphire Preferred® Card, or Sapphire Reserve® Card to enable airline and hotel points transfers
- No bonus spend 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.
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.
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 $5,000 on purchases in the first 3 months from account opening.
Get 25% bonus Virgin Points when you transfer Ultimate Rewards points between 12:00 AM ET on May 1, 2025 and 11:59 PM ET on June 15, 2025. Bonus points will be awarded by Virgin Atlantic Flying Club in your Flying Club account after your transfer is complete.
The first thing I’ll note is that there is currently a 30% transfer bonus from Citi ThankYou to Virgin Flying Club that ends May 17th.
Chase also had a limited two week only 30% transfer bonus to Virgin the first half of February.
Across all programs, there were 9 transfer bonuses to Virgin Atlantic’s Flying Club in 2024.
Bonuses are often 30% or even 40%, so I would not jump on a 25% bonus unless you are both flush with Ultimate Rewards and have a flight ready to book.
Keep in mind there are now massive surcharges on international Delta flights booked via Virgin to/from the US, killing off one of Virgin’s very best sweet spots (50k to/from Europe). So really, run a search before you transfer!
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. Delta One awards not to/from the US should still be a deal. Delta One to/from Europe is still 50,000 points but now with surcharges of around $1,000, so that “sweet spot” is dead.
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
Get 25% Bonus Flying Blue Miles when you transfer Ultimate Rewards® points between 12:00 AM ET on May 1, 2025 and 11:59 PM ET on May 31, 2025. Bonus Miles will be awarded by Flying Blue in your Flying Blue account after your transfer is complete.
The first thing to know is that Air France Flying Blue transfer bonuses are frequent.
Here is a list of historical transfer bonuses from Chase to Air France Flying Blue and here is a list of historical transfer bonuses to Air France Flying Blue from all programs
The last one from Chase was 20% at the start of this year and one from Chase last April for 25%.
Across all programs, we had 5 transfer bonuses to Flying Blue ranging from 20% – 25%.
Note that the minimum rates for some Flying Blue awards have recently increased:
Flying Blue rates are variable, so run a search before transferring. When you get lucky, business class from the US to Europe can run as low as 60,000 Flying Blue miles (up from 50,000 previously). But that would be just 48,000 credit card points during this promotion!
Flying Blue is often the best way to book Virgin Atlantic Upper Class from the US to Europe and beyond, due to the lowest taxes of any way to book Virgin Atlantic, however with Virgin’s new dynamic pricing you really have to compare the pricing on both programs as it can now be cheaper with Virgin in some cases. Flying Blue can also book Delta, KLM, and other SkyTeam members when Saver award space is available.
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 Freedom Flex
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
🎁 Bonus offer
Get $200 (20,000 Ultimate Rewards points) when you spend $500 in your first 3 months.
Bonus points for spend in the following bonus categories:
Earn this multiplier when you purchase via the Chase Ultimate Rewards travel portal. If you purchase any other way, you will earn 1X points.
Earn this multiplier when you purchase via the Chase Ultimate Rewards travel portal. If you purchase any other way, you will earn 1X points.
Earn this multiplier when you purchase via the Chase Ultimate Rewards travel portal. If you purchase any other way, you will earn 1X points.
- 0% Intro APR offers for both new purchases and balance transfers
- 5% cash back on rotating bonus categories each quarter (on up to $1,500 in combined purchases per quarter)
- Comes with great shopping benefits like Purchase Protection and Extended Warranty
Pros
- No annual fee
- 0% Intro APR offers on both purchases and balance transfers
- Points earned can be combined with other cards that earn Chase Ultimate Rewards
Cons
- Cannot transfer points to airline or hotel partners unless you also have a Chase Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred
- Carries a foreign transaction fee of 3%
- Limited trip protections and no bonus points on travel purchases
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 Freedom Unlimited®
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 $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
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 1.5X points.
Earn this multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 1.5X points.
Earn this multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 1.5X points.
- 0% Intro APR offers for both new purchases and balance transfers
- Simple earning structure with 3% back on drugstore purchases and dining and 1.5% on everyday purchases
- Comes with shopping benefits like Purchase Protection and Extended Warranty
Pros
- No annual fee
- 0% Intro APR offers on both purchases and balance transfers
- Points earned can be combined with other cards that earn Chase Ultimate Rewards
Cons
- Cannot transfer points to airline or hotel partners unless you also have a Chase Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred
- Carries a foreign transaction fee of 3%
- Limited travel protections and no bonus points on travel purchases
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.
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.
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.
Chase Freedom Rise®
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 $25 statement credit after signing up for automatic payments within the first three months of opening your account. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.
Bonus points for spend in the following bonus categories:
- Designed for those building credit
- Offers Purchase Protection and Extended Warranty benefits
- Earns 1.5% cash back with no annual fee
Pros
- Designed for those building credit; not a secured credit card
- Offers Purchase Protection and Extended Warranty benefits
- Earns 1.5% cash back (as Chase Ultimate Rewards points) with no annual fee
Cons
- No bonus categories other than a 2X multiplier on Lyft rides
- Charges a 3% foreign transaction fee
- Lacks a rich set of features and benefits
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 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.


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