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American Express is an Advertising Partner

American Express® Business Gold Card

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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 70,000 Membership Rewards points when you spend $10,000 within first 3 months. Terms apply.

Get a 15% transfer bonus when you transfer American Express Membership Rewards to Avianca Lifemiles.

Bonus is offered by Lifemiles
Offer expires on Jun 30, 2024

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 June 30th, 2024 (11:59 PM GMT-4).

Notes: Known for the best way to fly First Class to Europe on Lufthansa with no surcharges and other good deals. Europe is 87,000 miles in First or 63,000 miles in Business. As a Star Alliance airline, it can generally book Star Alliance partners, though the site won’t always show all options shown elsewhere.

Also see: Downsides of LifeMiles program.

Note that despite the downsides, people have seen an improvement in customer service from Avianca lately.

Link to this offer on Lifemiles.com.

Subscribe to Transfer Bonus Notifications

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

4 x
Gas Stations
Estimated Rewards Value: 6.8%

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

4 x
Dining Out / Food Delivery
Estimated Rewards Value: 6.8%

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

4 x
Advertising (Online / TV / Radio)
Estimated Rewards Value: 6.8%

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

4 x
U.S. Electronic Goods Retailers / Software / Cloud System Providers
Estimated Rewards Value: 6.8%

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

4 x
Cellular Phone Service
Estimated Rewards Value: 6.8%

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

4 x
Transit
Estimated Rewards Value: 6.8%

3X Membership Rewards Points on Flights and Prepaid Hotels Booked at AmexTravel.com; Otherwise 1X

3 x
Airfare
Estimated Rewards Value: 5.1%

Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card; 1X otherwise

3 x
Hotels
Estimated Rewards Value: 5.1%
1 x
Everything Else
Estimated Rewards Value: 1.7%
+
 more
  • Amazing Membership Rewards points earning rate for 6 popular business spending categories
  • No Preset Spending Limit
  • 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
Annual Fee: $375
Foreign
Transaction Fee:
0%
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: 19.49%-28.49% (Variable)
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: June 17, 2024
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 CashÔäó 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. 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! ­čśë

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: June 17, 2024
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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The Business Platinum Card® from American Express

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:

Bonus Offer

Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership. Terms apply.

Get a 15% transfer bonus when you transfer American Express Membership Rewards to Avianca Lifemiles.

Bonus is offered by Lifemiles
Offer expires on Jun 30, 2024

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 June 30th, 2024 (11:59 PM GMT-4).

Notes: Known for the best way to fly First Class to Europe on Lufthansa with no surcharges and other good deals. Europe is 87,000 miles in First or 63,000 miles in Business. As a Star Alliance airline, it can generally book Star Alliance partners, though the site won’t always show all options shown elsewhere.

Also see: Downsides of LifeMiles program.

Note that despite the downsides, people have seen an improvement in customer service from Avianca lately.

Link to this offer on Lifemiles.com.

Subscribe to Transfer Bonus Notifications

Bonus points for spend in the following bonus categories:

Must be booked via Amex Travel to earn 5X; otherwise earn 1X

5 x
Airfare
Estimated Rewards Value: 8.5%

Must be booked via Amex Travel to earn 5X; otherwise earn 1X

5 x
Hotels
Estimated Rewards Value: 8.5%
1.5 x
Single Charges over $5,000
Estimated Rewards Value: 2.55%
1.5 x
U.S. Electronic Goods Retailers / Software / Cloud System Providers
Estimated Rewards Value: 2.55%
1.5 x
Shipping
Estimated Rewards Value: 2.55%
1 x
Everything Else
Estimated Rewards Value: 1.7%
+
 more
  • With an array of both luxury travel perks and small business benefits, this is the ultimate premium card for high-spenders.
  • Generous protections when using the card to make purchases that provide genuine peace of mind.
  • Amex Membership Rewards points are extremely valuable, especially for their ability to be transferred to hotel and airline partners.

Pros

  • Robust 5x Membership Rewards on flights and prepaid hotels at Amex Travel
  • Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection including Centurion Lounges, Priority Pass Select membership, and more.
  • More than $1,500 in statement credits that can help your small business and travel- Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers. (Terms apply.)

Cons

  • High annual fee of $695
  • While there are variety of generous statement credits, they are mostly specific to certain merchants: Dell, Adobe, Indeed, etc.
  • Airline fee credit does not cover airfare, only incidentals like checked baggage fees or other incidentals.
Annual Fee: $695
Foreign
Transaction Fee:
0%
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: 19.49%-28.49% (Variable)
Author: Chris Dong
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: June 17, 2024
Intro bonus:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Annual Fee:
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YBCC Card Rate Stars Empty
Benefits:
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Multipliers:
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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

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