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Chase Ink Business CashĀ® Credit Card

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(4.8) 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:
$0

Bonus Offer

Get $900 in the form of 90,000 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:

5x
Cable / Internet / VOIP Phone
Estimated Rewards Value: 5%
5x
Cellular Phone Service
Estimated Rewards Value: 5%
5x
Office Supplies
Estimated Rewards Value: 5%
2x
Gas Stations
Estimated Rewards Value: 2%
2x
Dining Out / Food Delivery
Estimated Rewards Value: 2%
1x
Everything Else
Estimated Rewards Value: 1%
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  • 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.
  • No annual fee
  • Points earned can be combined to a Chase Ink PreferredĀ®, Chase Sapphire PreferredĀ® Card, or Chase Sapphire ReserveĀ® Card

Cons

  • Charges a foreign transaction fee
  • Rewards earned are only cash back unless you have a Chase Ink PreferredĀ®, Chase Sapphire PreferredĀ® Card, or Chase Sapphire ReserveĀ® Card to unlock points transfers
  • Earns only 1% on non-bonus categories
Annual Fee: $0
Foreign
Transaction Fee:
3%
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: 0 % Intro APR (on purchases for 12 months, 18.49%-24.49% thereafter)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: Dave Grossman
Total Rating:
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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: December 1, 2023
Intro bonus:
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Annual Fee:
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Benefits:
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Unitedā„  Business Card

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(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:
$0 Introductory Annual Fee for the first year, then $99

Bonus Offer

Earn 50,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.

Bonus points for spend in the following bonus categories:

2x
Airfare
Estimated Rewards Value: 2.4%
2x
Transit
Estimated Rewards Value: 2.4%
2x
Gas Stations
Estimated Rewards Value: 2.4%
2x
Dining Out / Food Delivery
Estimated Rewards Value: 2.4%
2x
Office Supplies
Estimated Rewards Value: 2.4%
1x
Everything Else
Estimated Rewards Value: 1.2%
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  • Earn up to 2x United miles on select bonus categories and PQPs to help you qualify for the next level of Premier elite status
  • Free first checked bag benefit, worth $70 for every round-trip United Airlines flight you take
  • Elevate your United flights with two annual United Club certificates, 25% savings on inflight purchases, and priority boarding for you and your companions on the same booking

Pros

  • United travel perks, such as your first checked bag free, priority boarding privileges, two annual United Club passes and more
  • Earn PQPs towards elite status
  • Great travel and purchase protections that can help your business save when things don't go as planned

Cons

  • The annual fee is $99 after the first year
  • Only provides two United Club passes per year
  • Subpar earning rate, as you can only earn up to 2x bonus miles on eligible categories
Annual Fee: $0 Introductory Annual Fee for the first year, then $99
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.012

They have a similar network to AA in terms of reach via the Star Alliance and also (unlike Delta) allow for booking First Class international awards in the Star Alliance network, but they charge noticeably more for Partner Awards and the rates keep (stealthily) rising. United partner Lufthansa tends to have good availability to Europe making it somewhat easier to use to Europe than American, which relies heavily on British Airways and BA charges incredibly steep surcharges on those awards.

APR: 21.99%-28.99% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: Stella Shon
Editor: Dave Grossman
Total Rating:
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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: December 1, 2023
Intro bonus:
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Annual Fee:
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IHG One Rewards Premier Business Credit Card

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(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 $3,000 on purchases in the first 3 months

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.

10x
Hotels
Estimated Rewards Value: 4%
5x
Airfare
Estimated Rewards Value: 2%
5x
Transit
Estimated Rewards Value: 2%
5x
Car Rentals
Estimated Rewards Value: 2%
5x
Gas Stations
Estimated Rewards Value: 2%
5x
Dining Out / Food Delivery
Estimated Rewards Value: 2%
5x
Office Supplies
Estimated Rewards Value: 2%
5x
Advertising on Search Engines and Social Media
Estimated Rewards Value: 2%
3x
Everything Else
Estimated Rewards Value: 1.2%
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 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:
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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: December 1, 2023
Intro bonus:
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Annual Fee:
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Benefits:
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American Express is an Advertising Partner

The Blue BusinessĀ® Plus Credit Card from American Express

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(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 RewardsĀ® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.

Bonus points for spend in the following bonus categories:

2x
Airfare
Estimated Rewards Value: 3.4%
2x
Transit
Estimated Rewards Value: 3.4%
2x
Car Rentals
Estimated Rewards Value: 3.4%
2x
Cable / Internet / VOIP Phone
Estimated Rewards Value: 3.4%
2x
Costco
Estimated Rewards Value: 3.4%
2x
Gas Stations
Estimated Rewards Value: 3.4%
2x
Cellular Phone Service
Estimated Rewards Value: 3.4%
2x
Dining Out / Food Delivery
Estimated Rewards Value: 3.4%
2x
Hotels
Estimated Rewards Value: 3.4%
2x
Lyft
Estimated Rewards Value: 3.4%
2x
Office Supplies
Estimated Rewards Value: 3.4%
2x
Shipping
Estimated Rewards Value: 3.4%
2x
Single Charges over $5,000
Estimated Rewards Value: 3.4%
2x
Groceries
Estimated Rewards Value: 3.4%
2x
Cruises
Estimated Rewards Value: 3.4%
2x
Drugstores
Estimated Rewards Value: 3.4%
2x
Streaming Services
Estimated Rewards Value: 3.4%
2x
Gym Memberships
Estimated Rewards Value: 3.4%
2x
Advertising (Online / TV / Radio)
Estimated Rewards Value: 3.4%
2x
Entertainment (Concerts / Shows / Movies)
Estimated Rewards Value: 3.4%
2x
Advertising on Search Engines and Social Media
Estimated Rewards Value: 3.4%
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  • 2x points rewards rate on all eligible purchases (up to the first $50,000 spent per calendar year)
  • No annual fee; plus, add employee cards for no additional cost
  • 0% intro APR on purchases for the first 12 months of account opening

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 all 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
Annual Fee: $0
Foreign
Transaction Fee:
2.7%
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.Ā  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:
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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: December 1, 2023
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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Notify me of bonus offer changes
American Express is an Advertising Partner

The American Express Blue Business Cashā„¢ Card

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(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.

Bonus points for spend in the following bonus categories:

2x
Airfare
Estimated Rewards Value: 2%
2x
Transit
Estimated Rewards Value: 2%
2x
Car Rentals
Estimated Rewards Value: 2%
2x
Cable / Internet / VOIP Phone
Estimated Rewards Value: 2%
2x
Costco
Estimated Rewards Value: 2%
2x
Gas Stations
Estimated Rewards Value: 2%
2x
Cellular Phone Service
Estimated Rewards Value: 2%
2x
Dining Out / Food Delivery
Estimated Rewards Value: 2%
2x
Hotels
Estimated Rewards Value: 2%
2x
Lyft
Estimated Rewards Value: 2%
2x
Office Supplies
Estimated Rewards Value: 2%
2x
Shipping
Estimated Rewards Value: 2%
2x
Single Charges over $5,000
Estimated Rewards Value: 2%
2x
Groceries
Estimated Rewards Value: 2%
2x
Cruises
Estimated Rewards Value: 2%
2x
Drugstores
Estimated Rewards Value: 2%
2x
Streaming Services
Estimated Rewards Value: 2%
2x
Gym Memberships
Estimated Rewards Value: 2%
2x
Advertising (Online / TV / Radio)
Estimated Rewards Value: 2%
2x
Entertainment (Concerts / Shows / Movies)
Estimated Rewards Value: 2%
2x
Advertising on Search Engines and Social Media
Estimated Rewards Value: 2%
2x
U.S. Electronic Goods Retailers / Software / Cloud System Providers
Estimated Rewards Value: 2%
1x
Everything Else
Estimated Rewards Value: 1%
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 more
  • Simple 2% cash back earning structure
  • 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%
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! šŸ˜‰

APR: 0 % Intro APR (on purchases for 12 months, 18.49%-26.49% thereafter)
Author: Dave Grossman
Total Rating:
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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: December 1, 2023
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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View Table Image
Annual fee
$0
Point value
$0.01
Best Multiplier
5x Amazon / Whole Foods
5x Airfare
+ 6 more
View Table Image
Annual fee
$395
Point value
$0.016
Best Multiplier
10x Car Rentals
10x Hotels
+ 2 more
View Table Image
Annual fee
$150
Point value
$0.005
Best Multiplier
12x Hotels
6x Gas Stations
+ 4 more
View Table Image
Annual fee
$95
Point value
$0.005
Best Multiplier
12x Hotels
6x Airfare
+ 6 more
View Table Image

CitiĀ® Diamond PreferredĀ® Credit Card

Annual fee
$0
Point value
$0.01
Best Multiplier
0x Everything Else
View Table Image
Annual fee
$0
Point value
$0.012
Best Multiplier
2x Airfare
2x Transit
+ 4 more
View Table Image
Annual fee
$250
Point value
$0.017
Best Multiplier
4x Groceries
4x Dining Out / Food Delivery
+ 2 more
View Table Image
Annual fee
$250
Point value
$0.01
Best Multiplier
1.5x Everything Else
View Table Image
Annual fee
$0
Point value
$0.01
Best Multiplier
6x Groceries
6x Streaming Services
+ 3 more
View Table Image

Citi Custom Cashā„  Card

Annual fee
$0
Point value
$0.01 -
$0.016
Best Multiplier
5x Airfare
5x Transit
+ 10 more

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