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Chase Sapphire Reserve for Business℠

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(4.5) 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:
$795

👑 Best Ever Offer

Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and access more than $7,000 in total business and travel value in your first year.

Get a 20% transfer bonus when you transfer Chase Ultimate Rewards to Air Canada Aeroplan.

Offer expires on Sep 30, 2026

Get 20% bonus Aeroplan® points when you transfer Chase Ultimate Rewards® points between 12:00 AM ET on August 12, 2026 and 11:59 PM ET on September 30, 2026.

Chase Aeroplan Cardmembers can get up to 30% bonus Aeroplan points (20% from the limited time offer and an extra 10% for being a Cardmember). To get the additional 10% bonus, Chase Aeroplan Cardmembers need to transfer a minimum of 50,000 points or more from Chase Ultimate Rewards® to Aeroplan, up to a maximum of 25,000 bonus Aeroplan points per calendar year.

I suggest reviewing historical transfer bonuses from Chase and American Express to Air Canada Aeroplan as you might find that bonuses are more common than you think. 20% is the “standard” offer we see the most, though Chase did offer a flat 30% in late 2022.

Aeroplan sweet spots: No fuel surcharges; just a $39CAD booking fee. Lap infant just $25CAD. Can book Star Alliance flights as well as partners like Etihad and Emirates. Add a stopover for just 5,000 miles! Award pricing is not necessarily the best there is, but is consistently fair.

A business class award on a partner (not on Air Canada metal as that is dynamically priced) from the East Coast to Europe would be 70,000 points (as an example), which would be 56,000 Chase points with this promotion.

It’s worth noting that Blackstone is taking a minority stake in Aeroplan and private equity investments don’t tend to align with what’s best for the customer, so I’d be extra cautious about speculative transfers here.

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Bonus points for spend in the following bonus categories:

Through 9/30/27

5x
Lyft
Estimated Rewards Value: 8.75%

Earn 8X only when booked via Chase Travel; otherwise this card earns 4X on airfare booked directly. Any other booking channel earns 1X.

4x-8x
Airfare
Estimated Rewards Value: 7%

Earn 8X only when booked via Chase Travel; otherwise this card earns 4X on hotels booked directly. Any other booking channel earns 1X.

4x-8x
Hotels
Estimated Rewards Value: 7%
3x
Advertising on Search Engines and Social Media
Estimated Rewards Value: 5.25%

Only when booked via Chase Travel; otherwise earn 1X points per dollar.

1x-8x
Car Rentals
Estimated Rewards Value: 1.75%
1x
Everything Else
Estimated Rewards Value: 1.75%
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  • Up to $2,500 in annual value from benefits and statement credits
  • Airport lounge access for you and up to two guests at both Chase Sapphire lounges and Priority Pass lounges
  • Too many benefits and statement credits to list! It comes with IHG Platinum status for a start...

Pros

  • Up to $2,500 in annual value from benefits and statement credits
  • Airport lounge access for you and up to two guests at both Chase Sapphire lounges and Priority Pass lounges
  • Too many benefits and statement credits to list! Comes with IHG Platinum status for a start...

Cons

  • Very high annual fee
  • Only one business related (non-travel) bonus category
Annual Fee: $795
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.01-$0.0175

The Sapphire Reserve, Sapphire Preferred, Chase Sapphire Reserve for Business, 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. In the Chase Travel℠ portal, Points Boost allows you to redeem for airfare or hotels with point values ranging from 1.5 - 2 cents depending on cabin class or hotel. Specific flights and hotels that appear in Point Boost vary. If you do not have at least one of these cards, Ultimate Rewards are worth exactly 1 cent per point. You can also read our Guide to Chase Ultimate Rewards points.

APR: 17.74%-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: September 5, 2026
Intro bonus:
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Annual Fee:
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Capital One Venture X Business

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(4.38) 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:
Excellent (800-850) *
Annual Fee:
$395

🎁 Bonus offer

Earn 150,000 Miles once you spend $30,000 in the first 3 months from account opening

Get a 30% transfer bonus when you transfer Capital One Miles to JAL Mileage Bank.

Offer expires on Sep 30, 2026

Until September 30, 2026, 1,000 Capital One Miles gets you 975 JAL miles with this 30% transfer bonus.

Usually, 1,000 Capital One Miles will get you just 750 JAL miles.

Capital One added JAL Mileage Bank as a partner last September. The transfer ratio is sub-optimal at 2:1.5, but with this offer it is *almost* to 1:1. Keep in mind that you can transfer 1:1 to JAL from both Bilt Rewards and from Rove Miles (if you are new and use this link, you’ll get 1,500 Rove Miles just for signing up).

We have a full guide to JAL Mileage Bank.

I absolutely love JAL Mileage Bank. Just two days ago, I had a tweet go pretty viral about how I used just 42,000 JAL miles and paid $285 in tax for an Air France Business Class flight on their newest product from CDG to JFK when Air France Flying Blue wanted over 90,000 miles + $600 in fees. The guide will also point out that you can get great deals on one way flights but *killer* deals on round trip flights. And of course, if you are skilled you can grab First Class or Business Class on JAL itself at 360 days out (you have to be quick, though!)

Importantly, you cannot transfer points into JAL Mileage Bank from Capital One until your Mileage Bank account has been active for 7 days, so create that account right away whether you have a transfer in mind today or not.

Transfers should be instant.

JAL also offers a Round The World award (appealing now that ANA’s RTW is no more), but note that JAL miles “hard expire” 36 months from the date you earn them.

Need more Capital One Miles? We have 5 cards that earn Capital One Miles here.

Remember that with Capital One cards that earn cash back, you can convert the cash back into transferable miles as long as you have any of the Miles-earning cards.

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Bonus points for spend in the following bonus categories:

5X only applies to bookings made via Capital One Business Travel; Earn 2X otherwise.

2x-5x
Airfare
Estimated Rewards Value: 3.2%

10X only applies to bookings made via Capital One Business Travel; Earn 2X otherwise.

2x-10x
Car Rentals
Estimated Rewards Value: 3.2%

10X only applies to bookings made via Capital One Business Travel; Earn 2X otherwise.

2x-10x
Hotels
Estimated Rewards Value: 3.2%
2x
Everything Else
Estimated Rewards Value: 3.2%
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  • With a $300 annual travel credit and 10,000 miles (worth $100) each year at renewal, the credits you receive are actually worth more than the annual fee.
  • Free authorized user cards
  • No Preset Spending Limit; Earns Capital One Miles

Pros

  • The annual fee is more than covered by annual credits
  • Comes with access to Capital One lounges and Landings and participating Priority Pass™ lounges
  • No Preset Spending Limit

Cons

  • The annual fee, while effectively negative $5 after credits, can feel like a lot.
  • Aside from bonus points for booking through Capital One Business Travel, there are no bonus categories. Still, all eligible purchases do earn 2X miles per dollar spent which is great.
  • Points don't transfer to any domestic airlines, although you can use other partners to book domestic award tickets on domestic airlines.
Annual Fee: $395
Foreign
Transaction Fee:
0%
Min Credit
Score:
Excellent (800-850) *
Point
Value:
$0.016

It's worth noting that some Capital One cards earn 2 miles per dollar on everything, making the 1.6 cent per mile value an understatement as you'd be earning a 3.2% yield on every day spend. However, this assumes you will learn how to utilize the Capital One airline and hotel transfer partners, most of which transfer 1:1. The minimum value is 1 cent when used to book travel in their portal or to  cover previously paid for travel, however, our calculator assumes you will use Capital One's air and hotel transfer partners when calculating a 1.6 cent per point value. We also have a Guide to Capital One Miles.

APR: 25.74% (Variable)
Balance
transfer fees:
Balance transfers are not available on Venture X Business
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: September 5, 2026
Intro bonus:
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Chase Ink Business Preferred® Credit Card

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(4.63) 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

☝ Increased Offer

Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Get a 20% transfer bonus when you transfer Chase Ultimate Rewards to Air Canada Aeroplan.

Offer expires on Sep 30, 2026

Get 20% bonus Aeroplan® points when you transfer Chase Ultimate Rewards® points between 12:00 AM ET on August 12, 2026 and 11:59 PM ET on September 30, 2026.

Chase Aeroplan Cardmembers can get up to 30% bonus Aeroplan points (20% from the limited time offer and an extra 10% for being a Cardmember). To get the additional 10% bonus, Chase Aeroplan Cardmembers need to transfer a minimum of 50,000 points or more from Chase Ultimate Rewards® to Aeroplan, up to a maximum of 25,000 bonus Aeroplan points per calendar year.

I suggest reviewing historical transfer bonuses from Chase and American Express to Air Canada Aeroplan as you might find that bonuses are more common than you think. 20% is the “standard” offer we see the most, though Chase did offer a flat 30% in late 2022.

Aeroplan sweet spots: No fuel surcharges; just a $39CAD booking fee. Lap infant just $25CAD. Can book Star Alliance flights as well as partners like Etihad and Emirates. Add a stopover for just 5,000 miles! Award pricing is not necessarily the best there is, but is consistently fair.

A business class award on a partner (not on Air Canada metal as that is dynamically priced) from the East Coast to Europe would be 70,000 points (as an example), which would be 56,000 Chase points with this promotion.

It’s worth noting that Blackstone is taking a minority stake in Aeroplan and private equity investments don’t tend to align with what’s best for the customer, so I’d be extra cautious about speculative transfers here.

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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.

3x
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.

3x
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.

3x
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.

3x
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.

3x
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.

3x
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.

3x
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.

3x
Cable / Internet / 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.

3x
Cruises
Estimated Rewards Value: 5.25%
1x
Everything Else
Estimated Rewards Value: 1.75%
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  • 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, Chase Sapphire Reserve for Business, 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. In the Chase Travel℠ portal, Points Boost allows you to redeem for airfare or hotels with point values ranging from 1.5 - 2 cents depending on cabin class or hotel. Specific flights and hotels that appear in Point Boost vary. If you do not have at least one of these cards, Ultimate Rewards are worth exactly 1 cent per point. You can also read our Guide to Chase Ultimate Rewards points.

APR: 17.74%-26.74% (Variable)
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: September 5, 2026
Intro bonus:
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Graphite™ Business Cash Unlimited Card Graphite™ Business Cash Unlimited Card image
American Express is an Advertising Partner

Graphite™ Business Cash Unlimited Card

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(4.43) 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 *
Annual Fee:

👑 Best Ever Offer

Earn $1,500 Cash Back in the form of Reward Dollars after you spend $50,000 in purchases on your new Card within the first 6 months of Card Membership. Reward Dollars can be redeemed as statement credits or at Amazon.com checkout.

Bonus points for spend in the following bonus categories:

5% Unlimited Cash Back on Flights and Prepaid Hotels Booked at American Express Travel Online; otherwise earn 2%

2x-5x
Hotels
Estimated Rewards Value: 2%

5% Unlimited Cash Back on Flights and Prepaid Hotels Booked at American Express Travel Online; otherwise 2%

2x-5x
Airfare
Estimated Rewards Value: 2%
2x
All Other Eligible Purchases
Estimated Rewards Value: 2%
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 more
  • Earn $1,500 Cash Back in the form of Reward Dollars after you spend $50,000 in purchases on your new Card within the first 6 months of Card Membership. Reward Dollars can be redeemed as statement credits and at Amazon.com checkout.
  • Start saving while you spend. Get unlimited 2% cash back* in Reward Dollars on all eligible purchases. *Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
  • Get more for your travels with 5% cash back* on flights and prepaid hotel bookings through American Express Travel® Online. Purchases eligible for multiple cash back rates will only receive the highest eligible cash back rate.
  • No Preset Spending Limit. The spending limit on this Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
  • Pay Over Time gives you the ability to carry a balance with interest up to your Pay Over Time Limit, so you can handle expected and unexpected expenses that come your way.
  • Your business, your choice: metal Employee Graphite™ Business Cash Unlimited Card for $95 Annual Fee for the first 5 Cards, $95 Annual Fee for each thereafter, or plastic Employee Business Expense Card for no Annual Fee.
  • Unlock up to $2,400 in statement credits for use in the next calendar year on American Express One AP® monthly fees** after spending $250,000 on eligible purchases on the Graphite™ Business Cash Unlimited Card this calendar year. Terms apply. **Monthly fees include an auto-renewing platform access fee.
  • Terms apply.

Pros

  • 2% Unlimited Cash Back on Eligible Purchases
  • 5% Unlimited Cash Back on Flights and Prepaid Hotels Booked at American Express Travel Online
  • No Preset Spending Limit; No limit on Rewards

Cons

  • High annual fee
  • Limited Statement Credits available compared to some other mid-level annual fee cards
Annual Fee: $295
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good *
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: 17.74%-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: September 5, 2026
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United℠ Business Card

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(4.03) 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:
$150

☝ Increased Offer

Earn 100,000 United MileagePlus bonus miles and 2,000 PQP after spending $5,000 on qualifying purchases in the first three months of opening an account.

Bonus points for spend in the following bonus categories:

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-2x
Airfare
Estimated Rewards Value: 1.2%
1x
Everything Else
Estimated Rewards Value: 1.2%
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 more
  • 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, a savings of up to $200 per round trip (Terms apply) 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 up to 4,000 Premier® qualifying points (PQP) 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 $150
  • 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: $150
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: 19.74%-28.24% (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: September 5, 2026
Intro bonus:
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World of Hyatt Business Credit Card

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(4.18) 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

☝ Increased Offer

70,000 Bonus Points after you spend $7,000 on purchases in your first 3 months from account opening.

Bonus points for spend in the following bonus categories:

Earn a total of 2 points per $1 spent for the top three of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2x
Airfare
Estimated Rewards Value: 3%

Earn a total of 2 points per $1 spent for the top three of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2x
Transit
Estimated Rewards Value: 3%

Earn a total of 2 points per $1 spent for the top three of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2x
Car Rentals
Estimated Rewards Value: 3%

Earn a total of 2 points per $1 spent for the top three of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2x
Cable / Internet / Phone
Estimated Rewards Value: 3%

Earn a total of 2 points per $1 spent for the top three of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2x
Gas Stations
Estimated Rewards Value: 3%

Earn a total of 2 points per $1 spent for the top three of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2x
Cellular Phone Service
Estimated Rewards Value: 3%

Earn a total of 2 points per $1 spent for the top three of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2x
Dining Out / Food Delivery
Estimated Rewards Value: 3%

Earn a total of 2 points per $1 spent for the top three of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2x
Advertising on Search Engines and Social Media
Estimated Rewards Value: 3%

Earn a total of 2 points per $1 spent for the top three of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2x
Shipping
Estimated Rewards Value: 3%
2x
Gym Memberships
Estimated Rewards Value: 3%

4X applies only at Hyatt family hotels booked directly. 1X on other hotels.

1x-4x
Hotels
Estimated Rewards Value: 1.5%
1x
Everything Else
Estimated Rewards Value: 1.5%
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 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:
$0.015

Hyatt award rates range from 5,000 to 75,000 points per night at their regular hotels and resorts. At all-inclusive resorts and Miraval, the prices can reach as high as 85,000 - 95,000 points per night.  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.. We used to always get 2+ cents per point in value and had valued points at 1.7 cents on average, however the most recent valuation took a toll with some room rates roughly doubling at peak times.  

APR: 19.24%-27.74% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each balance 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: September 5, 2026
Intro bonus:
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Annual Fee:
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Chase Ink Business Premier® Credit Card

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(3.75) 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:
$195

🎁 Bonus offer

Earn $1,000 bonus cash back after you spend $10,000 on purchases in your first 3 months from account opening.

Bonus points for spend in the following bonus categories:

Only applies to bookings made in the Chase Ultimate Rewards portal. Otherwise, you'll earn the default rate (2% - 2.5%) for everyday spend on this card.

5x
Airfare
Estimated Rewards Value: 5%

Only applies to bookings made in the Chase Ultimate Rewards portal. Otherwise, you'll earn the default rate (2% - 2.5%) for everyday spend on this card.

5x
Cruises
Estimated Rewards Value: 5%

Only applies to bookings made in the Chase Ultimate Rewards portal. Otherwise, you'll earn the default rate (2% - 2.5%) for everyday spend on this card.

5x
Car Rentals
Estimated Rewards Value: 5%

Only applies to bookings made in the Chase Ultimate Rewards portal. Otherwise, you'll earn the default rate (2% - 2.5%) for everyday spend on this card.

5x
Hotels
Estimated Rewards Value: 5%
2.5x
Single Charges over $5,000
Estimated Rewards Value: 2.5%
2x
Everything Else
Estimated Rewards Value: 2%
+
 more
  • Charge card allows for high spending limits to fit your business needs
  • 2.5% Cash Back on purchases over $5,000 is a stellar rebate on spend
  • Earns Cash Back rather than transferable points.

Pros

  • There is no other charge card on the market that offers 2.5% on charges over $5,000 with no monthly or annual limit.
  • A flexible spending limit makes it a great choice for heavy spenders; rare on a small business card.
  • Primary car rental Collision Damage Waiver (CDW) can be a huge benefit when on the road. This means your personal insurance won't have to get involved for damage to your rental car. (Note that it does not provide liability insurance or coverage for any other car you may be in a collision with.)

Cons

  • The Chase Ultimate Rewards points earned with the Ink Business Premier are pure cash back with no option to transfer the points to other Chase small business credit cards (Ink) or Chase Sapphire cards or to airline and hotel transfer partners. This differs from all other Chase Ink credit cards.
  • Relatively high annual fee.
  • Lack of travel benefits like a Global Entry application fee credit, though you likely have that on another credit card.
Annual Fee: $195
Foreign
Transaction Fee:
0%
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: 17.74%-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: September 5, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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Southwest® Rapid Rewards® Performance Business Credit Card

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(4.25) 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:
$299

🎁 Bonus offer

Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening

Bonus points for spend in the following bonus categories:

2x
Gas Stations
Estimated Rewards Value: 2.5%

Booked directly with the hotel

2x
Hotels
Estimated Rewards Value: 2.5%

Local transit and commuting, Including rideshare

2x
Transit
Estimated Rewards Value: 2.5%

4X applies only to Southwest Airlines booked directly with Southwest; Otherwise earn 1X

1x-4x
Airfare
Estimated Rewards Value: 1.25%
1x
Everything Else
Estimated Rewards Value: 1.25%
+
 more
  • Enjoy unlimited upgrades to an Extra Legroom seat within 48 hours prior to departure, at no additional charge, when available.
  • First checked bag free for you and up to 8 additional passengers in the same reservation.
  • 9,000 bonus points on every cardmember anniversary

Pros

  • Enjoy unlimited upgrades to an Extra Legroom seat within 48 hours prior to departure, at no additional charge, when available.
  • First checked bag free for you and up to 8 additional passengers in the same reservation.
  • 9,000 bonus points on every cardmember anniversary

Cons

  • The high annual fee will be hard to justify for infrequent travelers
  • Rapid Rewards points only provide a good value for Southwest flights
Annual Fee: $299
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.0125

Last updated in 2025 to reflect the new dynamic pricing models which gives less value per point at peak times. Compared to the prior 1.4 cpp average, 1.25 cpp seems a bit more the average now. This may keep falling under the new management.

APR: 19.24%-27.74% (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: September 5, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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Southwest® Rapid Rewards® Premier Business Credit Card

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(3.9) 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:
$149

🎁 Bonus offer

Earn 60,000 points after you spend $3,000 on purchases in the first 3 months from account opening.

Bonus points for spend in the following bonus categories:

Earn 2 points for every $1 you spend at gas stations and restaurants on the first $8,000 in combined purchases per anniversary year

2x
Gas Stations
Estimated Rewards Value: 2.5%

Earn 2 points for every $1 you spend at gas stations and restaurants on the first $8,000 in combined purchases per anniversary year

2x
Dining Out / Food Delivery
Estimated Rewards Value: 2.5%

Earn 3X on Southwest flights booked directly; otherwise earn 1X

1x-3x
Airfare
Estimated Rewards Value: 1.25%
1x
Everything Else
Estimated Rewards Value: 1.25%
+
 more
  • Early boarding (Group 5), First free checked bag (you and up to 8 companions, Preferred seating
  • Ability to spend toward A-List status and the Southwest Companion Pass
  • 6,000 bonus points on every cardmember anniversary

Pros

  • 6,000 bonus points on every cardmember anniversary
  • Receive a 15% promo code each year on your cardmember anniversary (Excludes Basic fare).
  • Ability to spend toward A-List status and the Southwest Companion Pass
  • Early boarding (Group 5), First free checked bag (you and up to 8 companions, Preferred seating

Cons

  • Lack of business spending rewards categories
  • Better perks and earning rates on the Southwest Performance Business Card
Annual Fee: $149
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.0125

Last updated in 2025 to reflect the new dynamic pricing models which gives less value per point at peak times. Compared to the prior 1.4 cpp average, 1.25 cpp seems a bit more the average now. This may keep falling under the new management.

APR: 19.24%-27.74% (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: September 5, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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IHG One Rewards Premier Business Credit Card

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(4.35) 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:

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%

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

5x-10x
Hotels
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%
+
 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: 19.24%-27.74% (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: September 5, 2026
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
$95
Point value
$0.016
Best Multiplier
2x Hotels
2x Car Rentals
+ 1 more
View Table Image
Annual fee
$295
Point value
$0.01
Best Multiplier
2x Hotels
2x Airfare
+ 1 more
View Table Image
Annual fee
$95
Point value
$0.01 -
$0.0175
Best Multiplier
3x Dining Out / Food Delivery
3x Streaming Services
+ 8 more
View Table Image
Annual fee
$795
Point value
$0.01 -
$0.0175
Best Multiplier
4x Airfare
4x Hotels
+ 3 more
View Table Image
Annual fee
$795
Point value
$0.01 -
$0.0175
Best Multiplier
5x Lyft
4x Airfare
+ 4 more
View Table Image
Annual fee
$95
Point value
$0.01 -
$0.0175
Best Multiplier
3x Airfare
3x Transit
+ 8 more
View Table Image
Annual fee
$0
Point value
$0.01 -
$0.0175
Best Multiplier
1.5x Everything Else
View Table Image
Annual fee
$0
Point value
$0.01 -
$0.0175
Best Multiplier
5x Cable / Internet / Phone
5x Cellular Phone Service
+ 4 more
View Table Image
Annual fee
$495
Point value
$0.018
Best Multiplier
0x Rent / Mortgage
2x Everyday Spend
View Table Image
Annual fee
$95
Point value
$0.018
Best Multiplier
1x Supermarkets
1x Dining Out / Food Delivery
+ 2 more

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