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Chase Sapphire Reserve for Business℠ Chase Sapphire Reserve for Business℠ image
Card Details
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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

☝ Increased Offer

Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and with more than $2,500 in annual value, there's no competition.

Get up to a 40% transfer bonus when you transfer Chase Ultimate Rewards to Virgin Atlantic Flying Club.

Tiered Offer Based On Transfer Date
Offer expires on Dec 05, 2025

Get 40% bonus Virgin Points when you transfer Ultimate Rewards points between 12:00 AM ET on November 7, 2025 and 11:59 PM ET on November 20, 2025.

When the early bird offer ends, get 30% bonus Virgin Points when you transfer Ultimate Rewards points between 12:00 AM ET on November 21, 2025 and 11:59 PM ET on December 5, 2025.

Chase did this two tiered transfer bonus earlier this year as well (February), with 40% for two weeks, then 30%. They also had a flat 25% offer in the middle of this year. See all past transfer bonuses to Virgin Atlantic.

Redeem for flights starting at 6,000 points. We like using points for domestic Delta flights (when there is availability!) as well as for SkyTeam flights and, of course, ANA First and Business Class flights. Virgin’s own flight rewards are dynamically priced but with high surcharges. I’d been seeing a lot of Upper Class seats from 29,000 points but I’m not seeing much now so do some homework on what you are hoping to book before transferring.

ANA First and Business class awards:

  • First Class to/from Japan from West Coast: 145,000 points Round Trip
  • First Class to/from Japan from East Coast: 170,000 points Round Trip
  • Business Class to/from Japan from West Coast: 105,000 points Round Trip
  • Business Class to/from Japan from East Coast: 120,000 points Round Trip

(Note that you can book one way for half the price of the points price listed.)

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Bonus points for spend in the following bonus categories:

Only when booked via Chase Travel; otherwise this card earns 4X on airfare booked directly

8 x
Airfare
Estimated Rewards Value: 14%

Only when booked via Chase Travel; otherwise this card earns 4X on hotels booked directly

8 x
Hotels
Estimated Rewards Value: 14%

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

8 x
Car Rentals
Estimated Rewards Value: 14%

Through 9/30/27

5 x
Lyft
Estimated Rewards Value: 8.75%
3 x
Advertising on Search Engines and Social Media
Estimated Rewards Value: 5.25%
1 x
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: 18.24%-26.24% (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: November 10, 2025
Intro bonus:
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The Business Platinum Card® from American Express The Business Platinum Card® from American Express image
Card Details
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The Business Platinum Card® from American Express

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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 *
Annual Fee:
$895 (Rates and fees)

☝ Increased Offer

Earn 200,000 150,000 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.

Offer expires on Nov 30, 2025

Valid 12:00 a.m. MT on 11/3/2025 to 11:59 p.m. MT on 11/30/2025.

I do not think many of you should be taking advantage of this offer.

Avianca is a Star Alliance partner that does not pass along fuel surcharges, however:

Keep in mind that Avianca recently devalued their program. Also see: Downsides of the LifeMiles program.

With frequent website issues, terrible customer support, and change/cancel fees of up to $200 a ticket, it’s just not for me. Aeroplan also does not pass along surcharges (nor does United) and both are much easier to deal with.

At a mere 15%, I cannot see a case for the transfer unless you were literally about to make a Lifemiles booking anyway. This is the 3rd transfer bonus from Amex alone to Avianca Lifemiles.

See all historical transfer bonuses.

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Get a 30% transfer bonus when you transfer American Express Membership Rewards to Marriott Bonvoy.

Offer expires on Nov 30, 2025

Get 30% more Marriott Bonvoy points when you transfer Membership Rewards® points through 11/30/2025.

You’ll have 2 months to take advantage of this transfer bonus, but should you?

First of all, we have historically seen significantly higher offers across Amex and Chase.

Here is a link to historical transfer bonuses to Marriott Bonvoy, with 50%-70% in the list.

That said, this is still almost never a good transfer unless you are topping off for an award you are ready to book. Keep in mind that we value an Amex 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 transfer makes sense so do the math – but you likely do not want to transfer speculatively unless you are a Bonvoy pro and believe you will exceed value you can get via other transfer partners. Also keep in mind this transfer can take up to 48 hours.

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%

On up to $2 million in eligible purchases in the U.S., per calendar year, in all 2X bonus categories.

2 x
Single Charges over $5,000
Estimated Rewards Value: 3.4%

On up to $2 million in eligible purchases in the U.S., per calendar year, in all 2X bonus categories.

2 x
U.S. Electronic Goods Retailers / Software / Cloud System Providers
Estimated Rewards Value: 3.4%

On up to $2 million in eligible purchases in the U.S., per calendar year, in all 2X bonus categories.

2 x
Shipping
Estimated Rewards Value: 3.4%
1 x
All Other Eligible Purchases
Estimated Rewards Value: 1.7%
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  • 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 1,550 worldwide airport lounges as part of the American Express Global Lounge Collection including Centurion Lounges, Priority Pass™ Select membership, and more.
  • Unlock over $3,500 in business and travel value annually on the Business Platinum Card.

Cons

  • High annual fee of $895
  • While there are variety of generous statement credits, they are mostly specific to certain merchants: i.e. Dell, Adobe, Indeed, etc.
  • Airline fee credit does not cover airfare, only incidentals like checked baggage fees or other incidentals.
Annual Fee: $895
Foreign
Transaction Fee: 0%
Min Credit
Score: Good *
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: 17.99%-28.74% (Variable)
Author: Chris Dong
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: November 10, 2025
Intro bonus:
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Capital One Venture X Business Capital One Venture X Business image
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Capital One Venture X Business

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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:
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 20% transfer bonus when you transfer Capital One Miles to British Airways Avios.

Offer expires on Nov 21, 2025

20% bonus miles when you transfer Capital One Miles to British Airways Avios. Ends 11:59PM Eastern Time on 11/21/2025

We generally see transfer bonuses from most major transferable points currencies at least once a year. Chase has had two this year, Amex has had one, and this is the first one from Capital One this year. You can see all historical transfer bonuses to British Airways Avios here. It’s often 30% vs. this 20% bonus.

British Airways Avios used to be best for shorthaul flights on Oneworld carriers but recent changes have killed that. Where a flight from New York to Toronto (under 650 miles) used to be as little as 4,500 miles in years past, it’s now 12,000 miles.

However, you can still transfer these miles over to Qatar Airways Avios where that same flight would be 6,000 miles. And that’s the thing – you can transfer these Avios to any other Avios program airline.

Also – outside of the US, BA still prices flights under 650 miles (i.e. SYD-MEL on Qantas) at 6,000 miles in Economy and only 12,500 miles in Business.

BA does have a very favorable lap infant policy – 10% of the miles paid for the adult fare. But beware of their draconian surcharges on long haul awards.

Advanced Mode: Transfer to Finnair’s Avios program which has sweet spots like 62,500 Avios and less than $200 from the US to Finland on Finnair and, (available only by phone or chat) amazing deals on AA transcons. If you can find JFK-LAX/SFO with an available Saver seat in 3-Cabin First (Z class), it’s yours for just 40,000 Finnair Avios. Traveling within the EU in business class (yes, the standard economy seat with the middle blocked, but premium services) is also a steal on Finnair.

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Bonus points for spend in the following bonus categories:

Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.

10 x
Car Rentals
Estimated Rewards Value: 16%

Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.

10 x
Hotels
Estimated Rewards Value: 16%

Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.

5 x
Airfare
Estimated Rewards Value: 8%
2 x
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 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.

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: November 10, 2025
Intro bonus:
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Capital One Spark Cash Plus Capital One Spark Cash Plus image
Card Details
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Capital One Spark Cash Plus

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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:
Excellent (800-850) *
Annual Fee:
$150

🎁 Bonus offer

Earn a $2,000 cash bonus when you spend $30,000 in the first 3 months. Earn an additional $2,000 bonus for every $500,000 spent in the first year.

Bonus points for spend in the following bonus categories:

Only when booked via Capital One Travel; Otherwise earn 2X.

5 x
Car Rentals
Estimated Rewards Value: 5%

Only when booked via Capital One Travel; Otherwise earn 2X.

5 x
Hotels
Estimated Rewards Value: 5%
2 x
Everything Else
Estimated Rewards Value: 2%
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  • No preset spend limit as a charge card
  • Easy 2% cash back on all purchases; no bonus category restrictions
  • No foreign transaction fees

Pros

  • With no preset spending limit, the Capital One Spark Cash Plus is a perfect business card for businesses with a high amount of monthly spend.
  • You'll never pay any foreign transaction fees.
  • 2% cashback on all purchases.

Cons

  • The $150 annual fee may be high if you aren't going to put significant spend on this card.
  • There are no bonus categories other than car rentals and hotels via the Capital One Travel portal.
  • Does not have a full range of trip protections or purchase protections, although it does offer Extended Warranty coverage.
Annual Fee: $150
Foreign
Transaction Fee: 0%
Min Credit
Score: Excellent (800-850) *
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! 😉

Balance
transfer fees: Balance transfers are not available on Spark Cash Plus
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: November 10, 2025
Intro bonus:
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American Express® Business Gold Card American Express® Business Gold Card image
Card Details
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American Express is an Advertising Partner

American Express® Business Gold Card

YBCC Card Rate Stars Filled
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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 *
Annual Fee:
$375 (Rates and fees)

🎁 Bonus offer

Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold 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.

Offer expires on Nov 30, 2025

Valid 12:00 a.m. MT on 11/3/2025 to 11:59 p.m. MT on 11/30/2025.

I do not think many of you should be taking advantage of this offer.

Avianca is a Star Alliance partner that does not pass along fuel surcharges, however:

Keep in mind that Avianca recently devalued their program. Also see: Downsides of the LifeMiles program.

With frequent website issues, terrible customer support, and change/cancel fees of up to $200 a ticket, it’s just not for me. Aeroplan also does not pass along surcharges (nor does United) and both are much easier to deal with.

At a mere 15%, I cannot see a case for the transfer unless you were literally about to make a Lifemiles booking anyway. This is the 3rd transfer bonus from Amex alone to Avianca Lifemiles.

See all historical transfer bonuses.

Subscribe to Transfer Bonus Notifications
Get a 30% transfer bonus when you transfer American Express Membership Rewards to Marriott Bonvoy.

Offer expires on Nov 30, 2025

Get 30% more Marriott Bonvoy points when you transfer Membership Rewards® points through 11/30/2025.

You’ll have 2 months to take advantage of this transfer bonus, but should you?

First of all, we have historically seen significantly higher offers across Amex and Chase.

Here is a link to historical transfer bonuses to Marriott Bonvoy, with 50%-70% in the list.

That said, this is still almost never a good transfer unless you are topping off for an award you are ready to book. Keep in mind that we value an Amex 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 transfer makes sense so do the math – but you likely do not want to transfer speculatively unless you are a Bonvoy pro and believe you will exceed value you can get via other transfer partners. Also keep in mind this transfer can take up to 48 hours.

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
All Other Eligible Purchases
Estimated Rewards Value: 1.7%
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  • Amazing Membership Rewards points earning rate for 6 popular business spending categories
  • No Preset Spending Limit means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.
  • 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 *
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: 17.99%-28.74% (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: November 10, 2025
Intro bonus:
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Chase Ink Business Preferred® Credit Card Chase Ink Business Preferred® Credit Card image
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All information about the Chase Ink Business Preferred® has been collected independently by Your Best Credit Cards.

Chase Ink Business Preferred® Credit Card

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(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

Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

Get up to a 40% transfer bonus when you transfer Chase Ultimate Rewards to Virgin Atlantic Flying Club.

Tiered Offer Based On Transfer Date
Offer expires on Dec 05, 2025

Get 40% bonus Virgin Points when you transfer Ultimate Rewards points between 12:00 AM ET on November 7, 2025 and 11:59 PM ET on November 20, 2025.

When the early bird offer ends, get 30% bonus Virgin Points when you transfer Ultimate Rewards points between 12:00 AM ET on November 21, 2025 and 11:59 PM ET on December 5, 2025.

Chase did this two tiered transfer bonus earlier this year as well (February), with 40% for two weeks, then 30%. They also had a flat 25% offer in the middle of this year. See all past transfer bonuses to Virgin Atlantic.

Redeem for flights starting at 6,000 points. We like using points for domestic Delta flights (when there is availability!) as well as for SkyTeam flights and, of course, ANA First and Business Class flights. Virgin’s own flight rewards are dynamically priced but with high surcharges. I’d been seeing a lot of Upper Class seats from 29,000 points but I’m not seeing much now so do some homework on what you are hoping to book before transferring.

ANA First and Business class awards:

  • First Class to/from Japan from West Coast: 145,000 points Round Trip
  • First Class to/from Japan from East Coast: 170,000 points Round Trip
  • Business Class to/from Japan from West Coast: 105,000 points Round Trip
  • Business Class to/from Japan from East Coast: 120,000 points Round Trip

(Note that you can book one way for half the price of the points price listed.)

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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 / 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%
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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: 20.24%-26.24% (Variable)
Balance
transfer fees: Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: Dave Grossman
Total Rating:
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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: November 10, 2025
Intro bonus:
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Capital One Spark Miles for Business Capital One Spark Miles for Business image
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How to apply
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Capital One Spark Miles for Business

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(4.1) 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 $95

🎁 Bonus offer

Get 50,000 Capital One miles when you spend $4,500 in your first 3 months

Get a 20% transfer bonus when you transfer Capital One Miles to British Airways Avios.

Offer expires on Nov 21, 2025

20% bonus miles when you transfer Capital One Miles to British Airways Avios. Ends 11:59PM Eastern Time on 11/21/2025

We generally see transfer bonuses from most major transferable points currencies at least once a year. Chase has had two this year, Amex has had one, and this is the first one from Capital One this year. You can see all historical transfer bonuses to British Airways Avios here. It’s often 30% vs. this 20% bonus.

British Airways Avios used to be best for shorthaul flights on Oneworld carriers but recent changes have killed that. Where a flight from New York to Toronto (under 650 miles) used to be as little as 4,500 miles in years past, it’s now 12,000 miles.

However, you can still transfer these miles over to Qatar Airways Avios where that same flight would be 6,000 miles. And that’s the thing – you can transfer these Avios to any other Avios program airline.

Also – outside of the US, BA still prices flights under 650 miles (i.e. SYD-MEL on Qantas) at 6,000 miles in Economy and only 12,500 miles in Business.

BA does have a very favorable lap infant policy – 10% of the miles paid for the adult fare. But beware of their draconian surcharges on long haul awards.

Advanced Mode: Transfer to Finnair’s Avios program which has sweet spots like 62,500 Avios and less than $200 from the US to Finland on Finnair and, (available only by phone or chat) amazing deals on AA transcons. If you can find JFK-LAX/SFO with an available Saver seat in 3-Cabin First (Z class), it’s yours for just 40,000 Finnair Avios. Traveling within the EU in business class (yes, the standard economy seat with the middle blocked, but premium services) is also a steal on Finnair.

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Bonus points for spend in the following bonus categories:

Earn 5X miles on hotels and rental cars booked through Capital One Travel. Otherwise, your travel purchase will earn 2X miles.

5 x
Car Rentals
Estimated Rewards Value: 8%

Earn 5X miles on hotels and rental cars booked through Capital One Travel. Otherwise, your travel purchase will earn 2X miles.

5 x
Hotels
Estimated Rewards Value: 8%
2 x
Everything Else
Estimated Rewards Value: 3.2%
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  • Earns 2X Capital One Miles on all purchases
  • No foreign transaction fees
  • Can purchase passes for Capital One Lounges at a special rate of $45

Pros

  • Earns 2X Capital One Miles on all purchases
  • Global Entry ($120) / TSA PreCheck ($85) Reimbursement every four years
  • Can purchase passes for Capital One Lounges at a special rate of $45

Cons

  • $95 annual fee after the first year
  • Can only use the miles towards travel. There is no way to convert miles to cash
  • No complimentary access to Capital One lounges, but can purchase passes at a special rate of $45
Annual Fee: $0 Introductory Annual Fee for the first year, then $95
Foreign
Transaction Fee: 0%
Min Credit
Score: Good (670-739) *
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: 24.99% (Variable)
Balance
transfer fees: Balance transfers are not available on Spark Miles
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: November 10, 2025
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World of Hyatt Business Credit Card World of Hyatt Business Credit Card image
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World of Hyatt Business Credit Card

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(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 three 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 three 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 three 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 three of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

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

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.

2 x
Gas Stations
Estimated Rewards Value: 3.4%

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.

2 x
Cellular Phone Service
Estimated Rewards Value: 3.4%

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.

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

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.

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 three 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%
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  • 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: 19.74%-28.24% (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: November 10, 2025
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Chase Ink Business Premier® Credit Card Chase Ink Business Premier® Credit Card image
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All information about the Chase Ink Business Premier® Credit Card has been collected independently by Your Best Credit Cards.

Chase Ink Business Premier® Credit 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:
$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.

5 x
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.

5 x
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.

5 x
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.

5 x
Hotels
Estimated Rewards Value: 5%
2.5 x
Single Charges over $5,000
Estimated Rewards Value: 2.5%
2 x
Everything Else
Estimated Rewards Value: 2%
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  • 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: 18.49%-26.49% (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: November 10, 2025
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Southwest® Rapid Rewards® Performance Business Credit Card Southwest® Rapid Rewards® Performance Business Credit Card image
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Southwest® Rapid Rewards® Performance Business Credit 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:
$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:

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

4 x
Airfare
Estimated Rewards Value: 5%
2 x
Gas Stations
Estimated Rewards Value: 2.5%

Booked directly with the hotel

2 x
Hotels
Estimated Rewards Value: 2.5%

Local transit and commuting, Including rideshare

2 x
Transit
Estimated Rewards Value: 2.5%
1 x
Everything Else
Estimated Rewards Value: 1.25%
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  • 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 March 27, 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.

APR: 19.74%-28.24% (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: November 10, 2025
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Citi Strata℠ Card

Annual fee
$0
Point value
$0.01 -
$0.017
Best Multiplier
3x Groceries
3x Gas Stations
+ 3 more

Bonus Offer

There is no bonus offer at this time

Card Details
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Citi Strata Elite℠

Annual fee
$595
Point value
$0.01 -
$0.017
Best Multiplier
12x Hotels
12x Car Rentals
+ 3 more

Bonus Offer

For a limited time, earn 100,000 bonus Points after spending $6,000 in the first 3 months of account opening.

Card Details
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Chase Sapphire Reserve for Business℠

Annual fee
$795
Point value
$0.01 -
$0.0175
Best Multiplier
8x Airfare
8x Hotels
+ 4 more

Bonus Offer

Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and with more than $2,500 in annual value, there's no competition.

Card Details Learn How to Apply
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A no annual fee credit card earning transferable points

Annual fee
$0
Point value
$0.01 -
$0.017
Best Multiplier

Bonus Offer

Click Learn How to Apply to See Offer

Card Details How to Apply
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A Very Premium Credit Card

Annual fee
$595
Point value
$0.01
Best Multiplier

Bonus Offer

Click Learn How to Apply to See Offer

Card Details Learn How To Apply
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Miles and Lounge Access

Annual fee
$595
Point value
$0.014
Best Multiplier

Bonus Offer

Click Learn How to Apply to See Offer

Card Details How to Apply
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Business Airline Credit Card Earning Valuable Miles for oneworld Flights

Annual fee
$95
Point value
$0.017
Best Multiplier

Bonus Offer

Click Learn How to Apply to See Offer

Card Details Learn How To Apply
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Mid Tier Airline Credit Card Earning Valuable Miles for oneworld Flights

Annual fee
$350
Point value
$0.014
Best Multiplier

Bonus Offer

Click Learn How to Apply to See Offer

Card Details Learn How To Apply
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Premium Airline Credit Card Earning Valuable Miles for oneworld Flights

Annual fee
$395
Point value
$0.017
Best Multiplier

Bonus Offer

Click Learn How to Apply to See Offer

Card Details Learn How To Apply
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Airline Credit Card Earning Valuable Miles for oneworld Flights

Annual fee
$95
Point value
$0.017
Best Multiplier

Bonus Offer

Click Learn How to Apply to See Offer

Card Details Learn How To Apply

Calculation

Featured Credit Cards

Personalized rewards

Get your personalized selection of credit cards based on what you spend the most on. Use the sliders to estimate your MONTHLY spend in each category.

Personal or business card?:

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Personal
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I am looking for:

Cash
Points
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Total Spend: $0/mo
Dining Out / Food Delivery

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Groceries

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0 10000
Airfare

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0 10000
Hotels

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0 10000
Car Rentals

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0 10000
Gas Stations

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0
0 10000
EV Charging

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0 10000
Cruises

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0 10000
Transit

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0
0 10000
Drugstores

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0
0 10000
Cable / Internet / Phone

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0
0 10000
Cellular Phone Service

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0
0 10000
Office Supplies

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0
0 10000
Rent

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0
0 10000
Streaming Services

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0
0 10000
Gym Memberships

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0
0 10000
Advertising (Online / TV / Radio)

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0
0 10000
U.S. Electronic Goods Retailers / Software / Cloud System Providers

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0
0 10000
Construction Materials / Hardware Supplies

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0
0 10000
Online Retail Shopping

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0
0 10000
Amazon / Whole Foods

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0
0 10000
Entertainment (Concerts / Shows / Movies)

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0
0 10000
Costco

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0
0 10000
Lyft

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0
0 10000
Advertising on Search Engines and Social Media

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0
0 10000
Shipping

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0 10000
Single Charges over $5,000

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0
0 10000
Total Spend: $0/mo
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