accordion-minus accordion-plus account-aside-cards-ico account-aside-consultations-ico account-aside-logout-ico account-aside-profile-ico account-aside-reading-ico account-aside-settings-ico account-aside-wishlist-ico account-categories-edit account-categories-save account-mobile-nav-arr account-sidebar-active bonus-ico btn-find-ico btn-gradient-fb-ico btn-ico-edit business-ico calc-ico cash-ico check-green close-ico compare-card-equal-ico compare-card-plus-ico compare-plus-ico compare-tooltip-arr compare-tooltip-close compare-tooltip-ico correct-ico correct-large-ico credit-card-bullet dashboard-btn-arr dashboard-email-ico dashboard-pass-ico err-info-ico facebook facetwp-selections-arr filter-arr filter-cross heart-ico-filled heart-ico hero-section-bg-animated-mask hero-section-bg-mask-2 hero-section-bg-mask home-slider-arr-icon incorrect-ico insta is-best-ico listing-mob-filter listing-mob-sort loader-ico lock-ico-filled-white lock-ico-filled lock-ico login-facebook login-google login-linkedin my-cards-toggle notification-close-ico notification-success-ico notify-like-clicked notify-like notify-me-ico-clicked notify-me-ico num-counter-item-ico personal-ico points-ico price-edit-blue profile-ico remove-card search-ico select-arr share-facebook-ico share-linkedin-ico share-mail-ico share-twitter-ico sign-in-google-ico slider-ico-1 slider-ico-2 slider-ico-3 slider-ico-4 slider-ico-5 slider-ico-6 stars-5-empty stars-5-filled-edit stars-5-filled tooltip-filter-ico-green tooltip-filter-ico-light tooltip-filter-ico-white tooltip-filter-ico tooltip-ico transfer-bonus-ico transfer-bonuses-close transfer-tooltip-ico twitter-widget-ico twitter ybcc-comparison-arr ybcc-comparison-card ybcc-socials-fb ybcc-socials-inst ybcc-socials-tw ybcc-socials-yt youtube
Explore Credit Cards Add Your Spending Profile
💳 Subscribe to Transfer Bonus Notifications!

Our “Famous Card Explorer”

There is no other site on the planet that lets you narrow down the overwhelming selection of available credit cards to only the ones that match your exact preferences. If you choose to tell us what categories you spend the most on, we'll even tell you exactly how much you'll earn in rewards each year from each credit card we offer. Don't feel like doing that? No worries! We'll still help you narrow things down quickly. Find Your Best Credit Cards in minutes - guaranteed!

Settings

Personal or business card?:

I am looking for:

Sort by:

World of Hyatt Business Credit Card

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.2) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:
$199

Bonus Offer

Earn 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening

Bonus points for spend in the following bonus categories:

Only at Hyatt family hotels booked directly. 1X on other hotels.

4 x
Hotels
Estimated Rewards Value: 6.8%

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.

2 x
Airfare
Estimated Rewards Value: 3.4%

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.

2 x
Transit
Estimated Rewards Value: 3.4%

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.

2 x
Car Rentals
Estimated Rewards Value: 3.4%

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.

2 x
Cable / Internet / VOIP Phone
Estimated Rewards Value: 3.4%

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.

2 x
Gas Stations
Estimated Rewards Value: 3.4%

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.

2 x
Cellular Phone Service
Estimated Rewards Value: 3.4%

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.

2 x
Dining Out / Food Delivery
Estimated Rewards Value: 3.4%

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.

2 x
Advertising on Search Engines and Social Media
Estimated Rewards Value: 3.4%

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.

2 x
Shipping
Estimated Rewards Value: 3.4%
2 x
Gym Memberships
Estimated Rewards Value: 3.4%
1 x
Everything Else
Estimated Rewards Value: 1.7%
+
 more
  • 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
Annual Fee: $199
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.017

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..

APR: 21.49%-28.49% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each balance transfer, whichever is greater.
Author: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: May 26, 2024
Intro bonus:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Annual Fee:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Benefits:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Multipliers:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

Chase Ink Business PreferredÂź Credit Card

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.6) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

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

Bonus Offer

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

Get a 30% transfer bonus when you transfer Chase Ultimate Rewards to Virgin Atlantic Flying Club.

Offer expires on Jun 15, 2024

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

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

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

Subscribe to Transfer Bonus Notifications
Get a 40% transfer bonus when you transfer Chase Ultimate Rewards to Marriott Bonvoy.

Offer expires on Jun 15, 2024

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 tranfser makes sense so do the math – but you likely do not want to transfer speculatively.

Subscribe to Transfer Bonus Notifications

Bonus points for spend in the following bonus categories:

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

3 x
Airfare
Estimated Rewards Value: 5.25%

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

3 x
Transit
Estimated Rewards Value: 5.25%

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

3 x
Car Rentals
Estimated Rewards Value: 5.25%

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

3 x
Cellular Phone Service
Estimated Rewards Value: 5.25%

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

3 x
Hotels
Estimated Rewards Value: 5.25%

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

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

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

3 x
Shipping
Estimated Rewards Value: 5.25%

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

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

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

3 x
Cruises
Estimated Rewards Value: 5.25%
1 x
Everything Else
Estimated Rewards Value: 1.75%
+
 more
  • Earns fully transferable Chase Ultimate Rewards points
  • 3X points per dollar on travel and online advertising on social media sites up to $150,000 a year can mean huge points earnings. Limit is per account anniversary year
  • Primary Car Rental CDW, trip delay and cancellation insurance, and cell phone protection

Pros

  • 3X points per dollar for combined purchases travel, advertising on social media sites, phone services and more - up to $150,000 per account anniversary year can mean huge points earnings
  • Earns fully transferable Chase Ultimate Rewards points
  • Travel protections, primary car rental CDW, and cell phone protections

Cons

  • $95 annual fee
  • The 3X bonus categories have a cap of $150,000 on combined purchases, then the earn rate drops to 1X. It also earns 1 point per dollar on other eligible purchases.
  • No 0% intro APR offers
Annual Fee: $95
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.01-$0.0175

The Sapphire Reserve, Sapphire Preferred, and Ink Preferred all have the ability to transfer to airline and hotel partners. We use an average value that you can expect to get by utilizing your points for these transfer partners. If you do not have at least one of these cards, Ultimate Rewards are worth exactly 1 cent per point. Also keep in mind that when you redeem your points, you can elect to book travel through the Ultimate Rewards portal where the Sapphire Preferred and Ink Preferred have a point value of 1.25 cents per point and the Sapphire Reserve has points worth 1.5 cents each. You can move points freely between your Ultimate Rewards cards, i.e. from a Chase Freedom Unlimited to a Chase Sapphire Reserve. You can also read our Guide to Chase Ultimate Rewards points.

APR: 21.24%-26.24% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: May 26, 2024
Intro bonus:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Annual Fee:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Benefits:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Multipliers:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

IHG One Rewards Premier Business Credit Card

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.4) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:
$99

Bonus Offer

Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening.

Bonus points for spend in the following bonus categories:

10 points per dollar at eligible IHG hotels worldwide; 5X points per dollar on any other hotel purchases.

10 x
Hotels
Estimated Rewards Value: 4%
5 x
Airfare
Estimated Rewards Value: 2%
5 x
Transit
Estimated Rewards Value: 2%
5 x
Car Rentals
Estimated Rewards Value: 2%
5 x
Gas Stations
Estimated Rewards Value: 2%
5 x
Dining Out / Food Delivery
Estimated Rewards Value: 2%
5 x
Office Supplies
Estimated Rewards Value: 2%
5 x
Advertising on Search Engines and Social Media
Estimated Rewards Value: 2%
3 x
Everything Else
Estimated Rewards Value: 1.2%
+
 more
  • Get IHG elite status, fourth night free on award stays, and discounts on points purchases.
  • The annual free night award alone can justify the annual fee.
  • Includes other travel perks like Global Entry, United TravelBank Cash, and travel protections.

Pros

  • Get IHG Platinum Elite status, fourth night free on award nights, and a free night certificate each account anniversary year.
  • Score other travel perks like United TravelBank Cash and a Global Entry, TSA PreCheck, or NEXUS reimbursement as a statement credit.
  • Earn bonus points in a variety of categories including at IHG hotels and gas stations.

Cons

  • IHG Rewards points aren't worth as much as other points currencies.
  • May have a lower sign-up bonus than the personal version of the card.
Annual Fee: $99
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.004

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.

APR: 21.49%-28.49% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: JT Genter
Editor: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: May 26, 2024
Intro bonus:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Annual Fee:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Benefits:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Multipliers:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Notify me of bonus offer changes
American Express is an Advertising Partner

The Blue BusinessÂź Plus Credit Card from American Express

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.3) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

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

Bonus Offer

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

Get a 40% transfer bonus when you transfer American Express Membership Rewards to Hilton.

Offer expires on May 31, 2024

** For personal Amex Platinum cardholders only **

Platinum Card¼ Members get 40% more Hilton Honorsℱ Points when you transfer Membership Rewards¼ points through from May 9 to May 31. Offer is only available to current Platinum Card Members on a Platinum Account opened on or before April 20, 2024. Terms apply.

Please note: This transfer bonus is part of the American Express 40th Birthday celebration for The Platinum CardÂź from American Express. Only personal U.S. Platinum CardÂź cardholders are eligible. It seems that those holding personal Platinum cards like the Schwab Platinum Card are elso eligible – however, many people that are eligible are not seeing the offer in their account so make sure you see the 40% bonus before transfering!

While it’s always hard to recommend speculative transfers, Hilton points have gotten more attractive since announcing that SLH hotels will be fully integrated into Hilton Honors (See Dave’s recent musing about his thinking on how Hilton points may be becoming more valuable). And as long as you have at least the lowest tier Hilton status, the 5th night is free on any award and resort fees are also waived on award stays.

We value an Amex point at 1.7 cents and a Hilton point at 0.5 cents and while those values are average, with a 5th night free award you can definitely do well transfering 1,000 Amex points for 2,800 Hilton Honors points.

Our advice is to run some sample searches for potential redemptions to see the value you’re likely to get before transfering.

 

Subscribe to Transfer Bonus Notifications
Get a 20% transfer bonus when you transfer American Express Membership Rewards to Aeromexico Rewards.

Offer expires on May 31, 2024

Here’s an interesting one. Aeromexico Rewards points are worth *roughly* 0.75 cents each but with a wide range of ways to redeem.

Normally, you get 1.6 Aeromexico points for 1 Membership Rewards points so that bumps to 1,920 Aeromexico for 1,000 Amex under this ptomotion – so almost 2.1.

Aeromexico uses a range of redemption options including standard fixed awards and flexible awards – and you’ll see what’s available by searching and that does not require an account.

The last Aeromexico transfer bonus was in 2019, so these are pretty rare – though 20% isn’t a total game changer.

You can search here (use Google Translate in your browser if available as it’s in Spanish) to check possible redemptions.

Importantly, note the Aeromexico Rewards cancellation policy which is that, well, you can’t cancel it. You can change it, though.

Award Ticket may not be cancelled or reimbursed. If the Member decides not to use the Award Ticket and does not have a flight date scheduled, their Award Ticket will be open for a future flight on the same route, season and cabin.

The Award Ticket will be open for 1 (one) year after the original issuing date, so the trip must be completed within said validity period. Route or cabin changes are not applicable to new Award Tickets. However, there might be a tax and Premier Point difference between the original Award Ticket and the new one. Said difference must be covered when the new Award Ticket is issued. The issuing of the new Award Ticket is subject to seat availability on the desired flight.

Subscribe to Transfer Bonus Notifications

Bonus points for spend in the following bonus categories:

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

Pros

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

Cons

  • Xhe 2x earning rate is capped at $50,000 per year
  • Charges a foreign transaction fee
Annual Fee: $0
Foreign
Transaction Fee:
2.7% of each transaction after conversion to US dollars.
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.017

Instant Transfers as well as solid transfer partners. The value would go up if they had any hotel partners with a fair exchange rate. ANA (an exception to instant transfers), Virgin, Air Canada and Avianca are top airline partners for maximizing your points. They can also transfer to Delta if you wish and while the rates aren't ideal, they can transfer to Marriott and Hilton as well.  ANA provides almost unbeatable value for booking a Round the World flight all in Business Class. The stated value also assumes you will take advantage of transfer partners rather than book via their booking portal, where they are only worth between 1 and 1.5 cents. We've also created a Guide to American Express Membership Rewards.

APR: 0 % Intro APR (on purchases for 12 months, 18.49%-26.49% thereafter)
Author: Stella Shon
Editor: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: May 26, 2024
Intro bonus:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Annual Fee:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Benefits:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Multipliers:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Notify me of bonus offer changes
American Express is an Advertising Partner

The American Express Blue Business Cashℱ Card

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.8) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

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

Bonus Offer

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

Bonus points for spend in the following bonus categories:

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

Pros

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

Cons

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

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

APR: 0 % Intro APR (on purchases for 12 months, 18.49%-26.49% thereafter)
Author: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: May 26, 2024
Intro bonus:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Annual Fee:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Benefits:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Multipliers:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
View Table Image
Annual fee
$0
Point value
Best Multiplier
View Table Image
Annual fee
$95
Point value
Best Multiplier
View Table Image
Annual fee
$0
Point value
Best Multiplier
View Table Image
Annual fee
$0
Point value
$0.01
Best Multiplier
5x Lyft
1.5x Everything Else
View Table Image
Annual fee
$150
Point value
$0.005
Best Multiplier
12x Hotels
6x Gas Stations
+ 4 more
View Table Image
Annual fee
$0
Point value
$0.012
Best Multiplier
2x Airfare
2x Dining Out / Food Delivery
+ 1 more
View Table Image
Annual fee
$650
Point value
$0.012
Best Multiplier
3x Airfare
1x Everything Else
View Table Image
Annual fee
$350
Point value
$0.012
Best Multiplier
3x Airfare
3x Hotels
+ 4 more
View Table Image
Annual fee
$350
Point value
$0.012
Best Multiplier
3x Airfare
3x Hotels
+ 3 more
View Table Image
Annual fee
$0
Point value
$0.012
Best Multiplier
2x Shipping
2x Advertising (Online / TV / Radio)
+ 3 more

Your account has been successfully created!