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Capital One Venture X Business
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.
Bonus Offer
Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
Virgin Red converts 1:1 to Virgin Atlantic.
As always, your best uses are to fly Delta One to Europe (excluding England) for 50,000 miles – IF you can find available award space and to book ANA First and Business class awards.
Business Class on ANA to Japan would be 35,000 – 37,000 points while First Class would be 56,000 – 66,000 points (depending on if you are on the West Coast (cheaper) or East Coast.
One more great use is domestically on Delta within the US or US-Mexico/Canada from 7,500 Virgin points.
Bonus points for spend in the following bonus categories:
Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.
Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.
Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.
- 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 where the authorized user gets full airport lounge access of their own is unheard of.
- 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, Priority Pass lounges, Plaza Premium lounges - all with generous guest policies
- Free authorized users also get the same airport lounge access benefits and Hertz status as the primary card holder
- 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 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.
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.
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.
The Platinum Card® from American Express
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.
Bonus Offer
Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Terms apply.
As always, your best uses are to fly Delta One to Europe (excluding England) for 50,000 miles – IF you can find available award space and to book ANA First and Business class awards.
Business Class on ANA to Japan would be 35,000 – 37,000 Chase points while First Class would be 56,000 – 66,000 Chase points (depending on if you are on the West Coast (cheaper) or East Coast.
One more great use is domestically on Delta within the US or US-Mexico/Canada.
Transfer time is up to 48 hours (often close to instant, though).
Bonus points for spend in the following bonus categories:
Earn 5x Membership Rewards points on airfare (booked directly with the airline or via AmexTravel.com and on prepaid hotels when booked via AmexTravel.com), up to $500,000 on these purchases per calendar year.
Only when booked via AmexTravel.com; Otherwise, hotels will earn 1X points per dollar spent
- With over $1,800 in available statement credits, this is a premium travel rewards card with benefits galore. (Terms apply.) Note: Aside from the listed bonus categories, earn 1X on all other eligible purchases.
- The Platinum card hasn't shed its travel roots, but it’s expanded beyond to become a lifestyle card with perks like Uber, Saks Fifth Avenue, Equinox, and more. (Enrollment required)
- Amex Membership Rewards points are extremely flexible, with the option to redeem for travel directly through Amex Travel or transfer to a wide range of airline and hotel partners.
Pros
- A wide array of travel and lifestyle credits and exclusive access that can enhance your life.
- There is no better card for the breadth and variety of airport lounge access worldwide. Plus, the Centurion Lounge network is the largest amongst credit card issuers.
- One of the best cards to earn points on airfare: 5 points per dollar on airfare purchased directly with airlines or through the Amex Travel portal (on up to $500,000 of airfare purchases per calendar year).
Cons
- High annual fee that will require a bit of work to fully maximize.
- Besides airfare and select hotels, it's not the best card to use for other purchases as it only earns 1X on categories outside of flights booked directly with the airlines (5X) or through the Amex Travel portal (5X on up to $500,000 of airfare purchases per calendar year) and 5X points for prepaid hotels booked with Amex Travel.
- Car rental insurance is only secondary, not primary as it is with premium cards from Chase and Capital One.
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.
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.
Capital One Spark Miles for Business
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.
Bonus Offer
Get 50,000 Capital One miles when you spend $4,500 in your first 3 months
Virgin Red converts 1:1 to Virgin Atlantic.
As always, your best uses are to fly Delta One to Europe (excluding England) for 50,000 miles – IF you can find available award space and to book ANA First and Business class awards.
Business Class on ANA to Japan would be 35,000 – 37,000 points while First Class would be 56,000 – 66,000 points (depending on if you are on the West Coast (cheaper) or East Coast.
One more great use is domestically on Delta within the US or US-Mexico/Canada from 7,500 Virgin points.
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.
Earn 5X miles on hotels and rental cars booked through Capital One Travel. Otherwise, your travel purchase will earn 2X miles.
- Earns 2X Capital One Miles on all purchases
- No foreign transaction fees
- Comes with two free airport lounge visits per year (until Dec. 31, 2024)
Pros
- Two free airport lounge visits per year (until Dec 31, 2024)
- Earns 2X Capital One Miles on all purchases
- Global Entry ($100) / TSA PreCheck ($85) Reimbursement every four years
Cons
- $95 annual fee after the first year
- Can only use the miles towards travel. There is no way to convert miles to cash
- Lacks unlimited airport lounge visits (capped at 2 free visits per year)
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.
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.
Capital One Venture X Credit Card
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.
Bonus Offer
Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening.
Virgin Red converts 1:1 to Virgin Atlantic.
As always, your best uses are to fly Delta One to Europe (excluding England) for 50,000 miles – IF you can find available award space and to book ANA First and Business class awards.
Business Class on ANA to Japan would be 35,000 – 37,000 points while First Class would be 56,000 – 66,000 points (depending on if you are on the West Coast (cheaper) or East Coast.
One more great use is domestically on Delta within the US or US-Mexico/Canada from 7,500 Virgin points.
Bonus points for spend in the following bonus categories:
Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.
Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.
Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.
- 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 where the authorized user gets full airport lounge access of their own is unheard of.
- Capital One Miles are extremely flexible, with the option to redeem for travel at a value of one cent per point, or transfer to a wide range of excellent air and hotel partners.
Pros
- The annual fee is more than covered by annual credits
- Comes with access to Capital One lounges, Priority Pass lounges, Plaza Premium lounges - all with generous guest policies
- Free authorized users also get the same airport lounge access benefits and Hertz status as the primary card holder
Cons
- The annual fee, while effectively negative $5 after credits, can feel like a lot.
- Aside from bonus points for booking through Capital One 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.
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.
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.
Capital One Venture Rewards Credit Card
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.
Bonus Offer
75,000 bonus Miles when you spend $4,000 within your first 3 months
Virgin Red converts 1:1 to Virgin Atlantic.
As always, your best uses are to fly Delta One to Europe (excluding England) for 50,000 miles – IF you can find available award space and to book ANA First and Business class awards.
Business Class on ANA to Japan would be 35,000 – 37,000 points while First Class would be 56,000 – 66,000 points (depending on if you are on the West Coast (cheaper) or East Coast.
One more great use is domestically on Delta within the US or US-Mexico/Canada from 7,500 Virgin points.
Bonus points for spend in the following bonus categories:
- Simple (and strong) flat-rate earning structure with 2X miles per dollar spent on almost all purchases.
- Relatively modest $95 annual fee, especially considering how valuable Capital One Miles can be with the ability to either redeem for travel at a value of one cent per point, or transfer miles to a wide range of excellent hotel and airline partners.
- Up to $100 statement credit to offset Global Entry or TSA PreCheck application fees and no foreign transaction fees.
Pros
- Great sign-up bonus
- Comes with two complimentary visits to Capital One lounges, Priority Pass lounges, or Plaza Premium lounges (Until Dec 31, 2024)
- Hertz Five Star elite status
Cons
- Not as strong travel protections as the more robust Capital One Venture X Credit Card
- Only two free entries to airport lounges (until Dec 31, 2024), access thereafter is $45 per visit. (The Venture X has unlimited visits)
- While the card is simple to use, there is effectively a lack of real bonus categories. Still, 2X miles on almost all purchases are solid
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.
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.
Marriott Bonvoy Brilliant® American Express® Card
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.
Bonus Offer
Earn 185,000 Marriott Bonvoy points after spending $6,000 in eligible purchases on your Card within the first six months of Card Membership. Terms Apply.
Bonus points for spend in the following bonus categories:
6X points only applies to Marriott Bonvoy hotels and resorts booked directly through Marriott. Otherwise, earn 2X
- Top-tier Marriott benefits, including complimentary Platinum elite status and an annual free night award as well as 25 elite night credits towards earning Titanium or Ambassador status
- Potential to earn an Earned Choice Award every year by spending $60,000+ on this Marriott credit card in a calendar year
- The card offers an up to $300 dining statement credit, which can cut down the annual fee by nearly half
Pros
- Annual free night award presents immense value with a redemption level of up to 85,000 bonus points
- Automatic Platinum elite status comes with free lounge access or breakfast (where available), 4pm checkout (with resorts and convention center properties excluded), and can give you access to space-available suite upgrades
- Top-notch travel benefits, including Priority Pass Select airport lounge membership (enrollment required), Global Entry/TSA PreCheck reimbursement, trip cancellation and interruption insurance and more
Cons
- $650 annual fee is top-of-the-line when it comes to hotel credit cards
- The earning rate isn't as rewarding as many other credit cards, with only up to 3x bonus points on non-Marriott purchases
- The up to $100 Marriott property credit requires a minimum of a 2-night stay booked directly at St. Regis or Ritz-Carlton properties only
While Marriott Bonvoy dropped all award charts in favor of a dynamic pricing system, it hasn't gotten out of hand and the 5th night free on awards can still provide outsized value. It's also hard to beat the breadth of Marriott Bonvoy properties all over the world.
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.
Citi® / AAdvantage® Executive World Elite MasterCard®
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.
Bonus Offer
Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first 3 months of account opening.
Bonus points for spend in the following bonus categories:
- Get American Airlines Admirals Club® access for you and your immediate family or you and two guests
- You're a priority when flying American Airlines: enjoy benefits from priority check-in, to priority boarding to priority airport screening for you and up to eight travelers on the same reservation
- You'll earn 1 Loyalty Point for every dollar spent on the card as well as special Loyalty Point threshold bonuses
Pros
- Admirals Club membership (a $650 value) for unlimited entry for you and immediate family or up to two guests. Authorized users also get access, but see fees for Authorized Users below,
- Free checked bag on domestic American Airlines itineraries for you and up to eight travelers on the same reservation
- Earn 1 Loyalty Point per $1 spent; plus threshold Loyalty Point bonuses
Cons
- $595 annual fee may be too costly for many
- The earning rate isn't the most optimal at just 4-5x miles on American Airlines flights and 1x miles on other purchases (+10x miles on car and hotels booked via aa.com)
- While Authorized Users used to be free, they are now $175 for the first three and $175 for each additional AU after that
Since AAdvantage moved to revenue based redemptions, they are a bit less valuable than they used to be. However, they can still book First and Business Class seats on oneworld partner airlines like Qatar Airways and Japan Airlines, and we also find that they can have occasional deals with forward cabin seats on American.
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.
United Club℠ Infinite Card
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.
Bonus Offer
Earn 80,000 United MileagePlus Miles after you spend $5,000 on qualifying purchases in the first three months of opening an account. Offer ends January 24, 2024.
Bonus points for spend in the following bonus categories:
- United Club membership for less than the cost of buying United Club membership, covering the annual fee and then some!
- An absolute ton of benefits, from Premier Access treatment to top tier Avis elite status and IHG Platinum status, and Primary CDW.
- Great shopping protections, including Return Protection on top of Extended Warranty and Purchase Protection.
Pros
- Get United Club membership for less than the cost of buying United Club membership, covering the annual fee cost and then some!
- A ton of shopping protections, from Return Protection to Extended Warranty and Purchase Protection.
- Tons of additional benefits, from Premier Access treatment to top tier Avis elite status and IHG Platinum status, and Primary CDW.
Cons
- High annual fee
- Airport lounge access is limited to United Clubs and does not include any other lounges
- Miles earned are limited to use in the United MileagePlus program
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.
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.
United℠ Business Card
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.
Bonus Offer
Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, $0 introductory annual fee for the first year, then $99.
Bonus points for spend in the following bonus categories:
- Earn up to 2x United miles on select bonus categories and PQPs to help you qualify for the next level of Premier elite status
- Free first checked bag benefit, worth $70 for every round-trip United Airlines flight you take
- Elevate your United flights with two annual United Club certificates, 25% savings on inflight purchases, and priority boarding for you and your companions on the same booking
Pros
- United travel perks, such as your first checked bag free, priority boarding privileges, two annual United Club passes and more
- Earn PQPs towards elite status
- Great travel and purchase protections that can help your business save when things don't go as planned
Cons
- The annual fee is $99 after the first year
- Only provides two United Club passes per year
- Subpar earning rate, as you can only earn up to 2x bonus miles on eligible categories
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.
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.
Delta SkyMiles® Reserve Business American Express Credit Card
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.
Bonus Offer
Earn 75,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership. Terms Apply.
Bonus points for spend in the following bonus categories:
Multiplier only applies to flights booked on Delta, otherwise earn 1X
U.S. Shipping only
U.S. office supply stores only
- Earn MQDs towards Medallion Status bya spend ($1 MQD per $10 spent) and get 2,500 MQDs per year just for having the card!
- Frequent Delta flyer perks like first free checked bag, Main Cabin 1 boarding, priority upgrades, and access to complimentary upgrades even for non-Medallion members
- Companion certificate that you'll receive every year upon card membership renewal, and it's even valid for First Class on domestic, Caribbean, or Central American roundtrip flights
Pros
- Delta Sky Club access when you're flying the same-day with Delta (Visit limits apply beginning in 2025)
- Companion certificate that you'll receive every year upon card membership renewal, and it's even valid for First Class on domestic, Caribbean, or Central American roundtrip flights
- Ability to spend your way towards Delta Medallion status with $1 MQD per $10 spent on the card.
Cons
- $650 annual fee
- Lounge access is limited to the primary cardholder, unless you're willing to pay a $50 per-person rate for up to two guests at Delta Sky Clubs
- Limited bonus categories for spend
Delta uses a fully dynamic pricing model on most awards, with the program aiming to offer you about 1.1 to 1.2 cents per point. However, you can still occasionally get much more value, especially during SkyMiles Flash Sales. Note that while you can book SkyTeam alliance flights with Delta SkyMiles, you cannot book international First Class on any SkyMiles partner.
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.
