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Your Best Credit Cards has partnered with CardRatings and MyBankTracker for our coverage of credit card products. Your Best Credit Cards and our partners may receive compensation from card issuers when a customer clicks on a link, when an application is approved, or when an account is opened. Some or all of the offers that appear on Your Best Credit Cards are from advertisers and may influence how and where products are displayed on the site, as well as their rankings in tables. Your Best Credit Cards does not include all card companies, banks, or all available card or bank offers. Commissions do not affect or prioritize placement within our Card Explorer results, and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

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Chase Ink Business Unlimited® Credit Card

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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:
Good (670-739) *
Annual Fee:
$0

⌛ Limited Time Offer

Earn $1,000 when you spend $8,000 on purchases in the first four months after account opening.

This is awarded as 100,000 Ultimate Rewards Points, transferrable if you also hold a Sapphire Preferred®, Sapphire Reserve®, Ink Business Preferred®, or Sapphire Reserve for Business℠.

Bonus points for spend in the following bonus categories:

1.5x
Everything Else
Estimated Rewards Value: 1.5%
+
 more
  • Simple. Earn 1.5% cash back on all purchases
  • Rich signup bonus
  • No annual fee

Pros

  • With 1.5% cash back on all purchases, it's a perfect "default" card for purchases not in a bonus category on your other cards
  • No annual fee
  • Points earned can be transferred to your Chase Ink Preferred®, Sapphire Preferred® Card, or Sapphire Reserve® Card

Cons

  • Comes with a foreign transaction fee when travelling or making a purchase in a foreign currency
  • Rewards earned are only cash back, although you can transfer the Ultimate Rewards points earned to a Chase Ink Preferred®, Sapphire Preferred® Card, or Sapphire Reserve® Card to enable airline and hotel points transfers
  • No bonus spend categories
Annual Fee: $0
Foreign
Transaction Fee:
3% of each transaction in U.S. dollars
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 on Purchases: 0 % Intro APR (on purchases for 12 months, 16.74%-24.74% thereafter)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: August 11, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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Chase Ink Business Cash® Credit Card

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(4.83) 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

⌛ Limited Time Offer

Earn $1,000 when you spend $8,000 on purchases in the first four months after account opening.

This is awarded as 100,000 Ultimate Rewards Points, transferrable if you also hold a Sapphire Preferred®, Sapphire Reserve®, Ink Business Preferred®, or Sapphire Reserve for Business℠.

Bonus points for spend in the following bonus categories:

5x
Cable / Internet / Phone
Estimated Rewards Value: 5%
5x
Cellular Phone Service
Estimated Rewards Value: 5%
5x
Office Supplies
Estimated Rewards Value: 5%
2x
Gas Stations
Estimated Rewards Value: 2%
2x
Dining Out / Food Delivery
Estimated Rewards Value: 2%
1x
Everything Else
Estimated Rewards Value: 1%
+
 more
  • Earns 5X on office supply stores, cable, internet, and phone
  • Points earned can be transferred to other eligible Chase Ultimate Rewards cards
  • No annual fee

Pros

  • Great 5X (office supplies, cable, internet, phone) and 2X (gas stations and dining) bonus categories - on up to $25,000 in combined purchases each cardmember year.
  • No annual fee
  • Points earned can be combined to a Chase Ink Preferred®, Chase Sapphire Preferred® Card, or Chase Sapphire Reserve® Card

Cons

  • Charges a foreign transaction fee
  • Rewards earned are only cash back unless you have a Chase Ink Preferred®, Chase Sapphire Preferred® Card, or Chase Sapphire Reserve® Card to unlock points transfers
  • Earns only 1% on non-bonus categories
Annual Fee: $0
Foreign
Transaction Fee:
3% of each transaction in U.S. dollars
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 on Purchases: 0 % Intro APR (on purchases for 12 months, 16.74%-24.74% thereafter)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: August 11, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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American Express is an Advertising Partner

The Blue Business® Plus Credit Card from American Express

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(4.28) 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:

🎁 Bonus offer

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

Get a 30% transfer bonus when you transfer American Express Membership Rewards to Iberia Avios.

Offer expires on Sep 27, 2026

There are identical transfer bonuses on now to both British Airways and Aer Lingus Avios and British Airways are the most common / easy to use and link directly with Qatar so there are few people that would want to transfer to Iberia directly.

They ripped out their award charts in May 2025 and replaced them with new higher ones and the biggest Iberia Sweet Spot of US East Coast to Madrid in business class off peak for 34,000 Avios is now 40,500 Avios and at peak times it’s now 50,000 to 59,000 Avios.  This is the 3,001–4,000 mileage band.

This still remains about the only award you would book with Iberia (you may find other instances where Iberia remains cheaper on its own metal) but keep in mind the biggest flaw of the Iberia program:

Award travel on partner airlines booked with Iberia Avios is non-refundable!!

That said, generally you want to move your points to British Airways first for the most flexibility – since you can move from there to Finnair, which has some great redemptions, or Qatar (note new restrictions on booking Qatar awards beyond yourself). I just booked an actual Iberia award and I’ll add that the website is full of glitches that can make booking even an Iberia award on Iberia quite painful.

See this post on the transfer bonus to British Airways Avios for more on the Finnair program.

Reminder: We now maintain an incredibly comprehensive Transfer Partner Matrix that tracks not just where every currency transfers but also notes any current transfer bonuses.

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Subscribe to Transfer Bonus Notifications
Get a 30% transfer bonus when you transfer American Express Membership Rewards to Aer Lingus Avios.

Offer expires on Sep 27, 2026

Aer Lingus has some sweet spots as well, like the US to Ireland for 13,000 – 16,250 Avios with no surcharges or 50,000 Avios – 62,500 Avios each way in Business Class. This would be if you find space on Aer Lingus metal. The lower pricing is from the East Coast, the higher is West Coast.

Combinable with other Avios programs like BA on the avios.com website.

That said, generally you want to move your points to British Airways first for the most flexibility – since you can move from there to Finnair, which has some great redemptions, or Qatar – (note new restrictions on booking Qatar awards beyond yourself) – or Iberia.

See this post on the transfer bonus to British Airways Avios for more on the Finnair program.

Reminder: We now maintain an incredibly comprehensive Transfer Partner Matrix that tracks not just where every currency transfers but also notes any current transfer bonuses.

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Subscribe to Transfer Bonus Notifications
Get a 30% transfer bonus when you transfer American Express Membership Rewards to British Airways Avios.

Offer expires on Sep 27, 2026

Get 30% more Avios when you transfer Membership Rewards® points through 9/27/2026.

See historical transfer bonuses to British Airways Avios. 30% is the midpoint of the range.Frequent Avios users with large Membership Rewards balances will probably want to use this to top us.

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. I mention this as some people may not realize this has all changed.

However, you can still transfer these miles over to Qatar Airways Avios where that same flight would be 6,000 miles as they price those like this: 0–650 miles: 6,000 Avios (Economy) / 12,500 Avios (Business). Note the new restrictions on booking Qatar awards beyond yourself.

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 – hello, sweet spot!

BA does have a very favorable lap infant policy – 10% of the miles paid for the adult fare.

Beware 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. Note those AA three cabin transcontinental flights are being phased out.

This is a nearly 2 month long transfer bonus so you have time to decide…

Reminder: We now maintain an incredibly comprehensive Transfer Partner Matrix that tracks not just where every currency transfers but also notes any current transfer bonuses.

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Subscribe to Transfer Bonus Notifications

Bonus points for spend in the following bonus categories:

2x
Airfare
Estimated Rewards Value: 3.4%
2x
Transit
Estimated Rewards Value: 3.4%
2x
Car Rentals
Estimated Rewards Value: 3.4%
2x
Cable / Internet / Phone
Estimated Rewards Value: 3.4%
2x
Costco
Estimated Rewards Value: 3.4%
2x
Gas Stations
Estimated Rewards Value: 3.4%
2x
Cellular Phone Service
Estimated Rewards Value: 3.4%
2x
Dining Out / Food Delivery
Estimated Rewards Value: 3.4%
2x
Hotels
Estimated Rewards Value: 3.4%
2x
Lyft
Estimated Rewards Value: 3.4%
2x
Office Supplies
Estimated Rewards Value: 3.4%
2x
Shipping
Estimated Rewards Value: 3.4%
2x
Single Charges over $5,000
Estimated Rewards Value: 3.4%
2x
Supermarkets
Estimated Rewards Value: 3.4%
2x
Cruises
Estimated Rewards Value: 3.4%
2x
Drugstores
Estimated Rewards Value: 3.4%
2x
Streaming Services
Estimated Rewards Value: 3.4%
2x
Gym Memberships
Estimated Rewards Value: 3.4%
2x
Advertising (Online / TV / Radio)
Estimated Rewards Value: 3.4%
2x
Entertainment (Concerts / Shows / Movies)
Estimated Rewards Value: 3.4%
2x
Advertising on Search Engines and Social Media
Estimated Rewards Value: 3.4%
+
 more
  • Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 28.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
  • Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
  • You've got the power to spend above your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
  • No Annual Fee
  • Terms Apply.

Pros

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

Cons

  • The 2x earning rate is capped at $50,000 per year
  • Charges a foreign transaction fee
Annual Fee: $0
Foreign
Transaction Fee:
2.7% of each transaction after conversion to US dollars.
Min Credit
Score:
Good *
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.  The stated value also assumes you will take advantage of transfer partners rather than book via their booking portal, where they are only worth 1 cent (in most cases). We've also created a Guide to American Express Membership Rewards.

APR on Purchases: 0 % Intro APR (on purchases for 12 months, 16.74%-28.49% thereafter)
Author: Stella Shon
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: August 11, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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American Express is an Advertising Partner

The American Express Blue Business Cash™ 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 *
Annual Fee:

🎁 Bonus offer

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

Bonus points for spend in the following bonus categories:

2x
Airfare
Estimated Rewards Value: 2%
2x
Transit
Estimated Rewards Value: 2%
2x
Car Rentals
Estimated Rewards Value: 2%
2x
Cable / Internet / Phone
Estimated Rewards Value: 2%
2x
Costco
Estimated Rewards Value: 2%
2x
Gas Stations
Estimated Rewards Value: 2%
2x
Cellular Phone Service
Estimated Rewards Value: 2%
2x
Dining Out / Food Delivery
Estimated Rewards Value: 2%
2x
Hotels
Estimated Rewards Value: 2%
2x
Lyft
Estimated Rewards Value: 2%
2x
Office Supplies
Estimated Rewards Value: 2%
2x
Shipping
Estimated Rewards Value: 2%
2x
Single Charges over $5,000
Estimated Rewards Value: 2%
2x
Supermarkets
Estimated Rewards Value: 2%
2x
Cruises
Estimated Rewards Value: 2%
2x
Drugstores
Estimated Rewards Value: 2%
2x
Streaming Services
Estimated Rewards Value: 2%
2x
Gym Memberships
Estimated Rewards Value: 2%
2x
Advertising (Online / TV / Radio)
Estimated Rewards Value: 2%
2x
Entertainment (Concerts / Shows / Movies)
Estimated Rewards Value: 2%
2x
Advertising on Search Engines and Social Media
Estimated Rewards Value: 2%
2x
U.S. Electronic Goods Retailers / Software / Cloud System Providers
Estimated Rewards Value: 2%
+
 more
  • Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 28.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
  • Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement.
  • From workflow to inventory to floor plans, your business is constantly changing. That's why you've got the power to spend beyond your credit limit with Expanded Buying Power*.
  • * The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
  • No Annual Fee. Terms Apply. Learn More.

Pros

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

Cons

  • No bonus categories means no way to multiply your earnings
  • Foreign transaction fees apply if you use the card abroad
  • Does not have nearly as many Amex benefits as its fee-based cards
Annual Fee: $0
Foreign
Transaction Fee:
2.7% of each transaction after conversion to US dollars.
Min Credit
Score:
Good *
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 on Purchases: 0 % Intro APR (on purchases for 12 months, 16.74%-28.49% thereafter)
Author: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: August 11, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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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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