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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

Ends March 11th! Earn 150,000 Miles once you spend $20,000 in the first 3 months, and an additional 150,000 miles once you spend $100,000 in the first 6 months.

Bonus points for spend in the following bonus categories:

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

10x
Car Rentals
Estimated Rewards Value: 16%

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

10x
Hotels
Estimated Rewards Value: 16%

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

5x
Airfare
Estimated Rewards Value: 8%
2x
Everything Else
Estimated Rewards Value: 3.2%
+
 more
  • 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.
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.

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: February 22, 2024
Intro bonus:
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The Business Platinum Card® from American Express

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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:
Good (670-739) *
Annual Fee:

Bonus Offer

120,000 Membership Rewards points when you spend $15,000 within 3 months. Terms apply.

Bonus points for spend in the following bonus categories:

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

5x
Airfare
Estimated Rewards Value: 8.5%

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

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

Pros

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

Cons

  • High annual fee of $695
  • While there are variety of generous statement credits, they are mostly specific to certain merchants: Dell, Adobe, Indeed, etc.
  • Airline fee credit does not cover airfare, only incidentals like checked baggage fees or other incidentals.
Annual Fee: $695
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.017

Instant Transfers as well as solid transfer partners. The value would go up if they had any hotel partners with a fair exchange rate. ANA (an exception to instant transfers), Virgin, Air Canada and Avianca are top airline partners for maximizing your points. They can also transfer to Delta if you wish and while the rates aren't ideal, they can transfer to Marriott and Hilton as well.  ANA provides almost unbeatable value for booking a Round the World flight all in Business Class. The stated value also assumes you will take advantage of transfer partners rather than book via their booking portal, where they are only worth between 1 and 1.5 cents. We've also created a Guide to American Express Membership Rewards.

APR: 19.49%-27.49% (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: February 22, 2024
Intro bonus:
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American Express is an Advertising Partner

The Platinum Card® from American Express

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(4.3) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:

Bonus Offer

Earn 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.

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.

5x
Airfare
Estimated Rewards Value: 8.5%

Only when booked via AmexTravel.com; Otherwise, hotels will earn 1X points per dollar spent

5x
Hotels
Estimated Rewards Value: 8.5%
1x
Everything Else
Estimated Rewards Value: 1.7%
+
 more
  • 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 itÔÇÖs 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 $695 annual fee (Rates and Fees) 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.
Annual Fee: $695
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.017

Instant Transfers as well as solid transfer partners. The value would go up if they had any hotel partners with a fair exchange rate. ANA (an exception to instant transfers), Virgin, Air Canada and Avianca are top airline partners for maximizing your points. They can also transfer to Delta if you wish and while the rates aren't ideal, they can transfer to Marriott and Hilton as well.  ANA provides almost unbeatable value for booking a Round the World flight all in Business Class. The stated value also assumes you will take advantage of transfer partners rather than book via their booking portal, where they are only worth between 1 and 1.5 cents. We've also created a Guide to American Express Membership Rewards.

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: February 22, 2024
Intro bonus:
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American Express is an Advertising Partner

Delta SkyMiles® Reserve Business American Express Credit Card

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(3.9) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:

Bonus Offer

Limited Time Offer: Earn 110,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 3/27/24. Terms Apply.

Bonus points for spend in the following bonus categories:

Multiplier only applies to flights booked on Delta, otherwise earn 1X

3x
Airfare
Estimated Rewards Value: 3.6%
1.5x
Transit
Estimated Rewards Value: 1.8%

U.S. Shipping only

1.5x
Shipping
Estimated Rewards Value: 1.8%

U.S. office supply stores only

1.5x
Office Supplies
Estimated Rewards Value: 1.8%
1x
Everything Else
Estimated Rewards Value: 1.2%
+
 more
  • 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
Annual Fee: $650
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.012

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.

APR: 20.99%-29.99% (Variable)
Author: Stella Shon
Editor: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: February 22, 2024
Intro bonus:
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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

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.

5x
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.

5x
Hotels
Estimated Rewards Value: 8%
2x
Everything Else
Estimated Rewards Value: 3.2%
+
 more
  • 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)
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: 26.24% (Variable)
Balance
transfer fees:
$0 at the Transfer APR
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: February 22, 2024
Intro bonus:
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Capital One Venture X Credit Card

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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 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening.

Bonus points for spend in the following bonus categories:

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

10x
Car Rentals
Estimated Rewards Value: 16%

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

10x
Hotels
Estimated Rewards Value: 16%

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

5x
Airfare
Estimated Rewards Value: 8%
2x
Everything Else
Estimated Rewards Value: 3.2%
+
 more
  • 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.
Annual Fee: $395
Foreign
Transaction Fee:
0%
Min Credit
Score:
Excellent (800-850) *
Point
Value:
$0.016

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

APR: 19.99%-29.99% (Variable)
Balance
transfer fees:
Balance Transfer Fee applies to balances transferred at a promotional rate
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: February 22, 2024
Intro bonus:
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Capital One Venture Rewards 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:
$95

Bonus Offer

75,000 bonus Miles when you spend $4,000 within your first 3 months

Bonus points for spend in the following bonus categories:

When booked through Capital One Travel; else earn 2X

5x
Hotels
Estimated Rewards Value: 8%

When booked through Capital One Travel; else earn 2X

5x
Car Rentals
Estimated Rewards Value: 8%
2x
Everything Else
Estimated Rewards Value: 3.2%
+
 more
  • 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
Annual Fee: $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: 19.99%-29.99% (Variable)
Balance
transfer fees:
Balance Transfer Fee applies to balances transferred at a promotional rate
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: February 22, 2024
Intro bonus:
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UnitedÔäá Business Card

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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:
Good (670-739) *
Annual Fee:
$99

Bonus Offer

Earn 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Offer ends April 3, 2024.  

Bonus points for spend in the following bonus categories:

2x
Airfare
Estimated Rewards Value: 2.4%
2x
Transit
Estimated Rewards Value: 2.4%
2x
Gas Stations
Estimated Rewards Value: 2.4%
2x
Dining Out / Food Delivery
Estimated Rewards Value: 2.4%
2x
Office Supplies
Estimated Rewards Value: 2.4%
1x
Everything Else
Estimated Rewards Value: 1.2%
+
 more
  • Earn up to 2x United miles on select bonus categories and PQPs to help you qualify for the next level of Premier elite status
  • Free first checked bag benefit, 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
Annual Fee: $99
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.012

They have a similar network to AA in terms of reach via the Star Alliance and also (unlike Delta) allow for booking First Class international awards in the Star Alliance network, but they charge noticeably more for Partner Awards and the rates keep (stealthily) rising. United partner Lufthansa tends to have good availability to Europe making it somewhat easier to use to Europe than American, which relies heavily on British Airways and BA charges incredibly steep surcharges on those awards.

APR: 21.99%-28.99% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: Stella Shon
Editor: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: February 22, 2024
Intro bonus:
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Delta SkyMiles® Reserve American Express Card

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(3.7) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:

Bonus Offer

Earn 100,000 Bonus Miles after you spend $6,000 in purchases on your new Card in your first 6 months.

Bonus points for spend in the following bonus categories:

Only applies to Delta flights purchased directly from Delta. All other airline purchases will earn 1X miles per dollar

3x
Airfare
Estimated Rewards Value: 3.6%
1x
Everything Else
Estimated Rewards Value: 1.2%
+
 more
  • Enter Delta Sky Club┬« at no cost and bring up to two guests or immediate family at a rate of $50 per person per visit. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
  • Receive an annual companion certificate (valid for up to domestic first class!) upon card renewal, potentially saving you hundreds of dollars on Delta flights
  • Earn MQDs towards Delta Medallion Status via spend on your Card and get $2,500 MQDs per year just for having the card!

Pros

  • Enter the Delta Sky Club before or after your Delta flights
  • Earn $1 MQD for every $10 spent on the card (eligible purchases)
  • Advantageous perks for Delta frequent flyers, such as a free checked bag and upgrade priority

Cons

  • $650 annual fee is steep, no matter how you slice or dice it
  • Earning rate is limited to 3x miles on Delta purchases and 1x miles on all other eligible purchases
  • Requires a significant amount of annual card spend to reach significant MQDs
Annual Fee: $650
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.012

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.

APR: 20.99%-29.99% (Variable)
Author: Stella Shon
Editor: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: February 22, 2024
Intro bonus:
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Annual Fee:
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Citi® / AAdvantage® Executive World Elite MasterCard®

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(3.7) 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:
$595

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:

On American Airlines flights booked directly only. Other airfare earns 1X mile per dollar.

4x
Airfare
Estimated Rewards Value: 5.6%
1x
Everything Else
Estimated Rewards Value: 1.4%
+
 more
  • 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
Annual Fee: $595
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.014

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.

APR: 21.24%-29.99% (Variable)
Balance
transfer fees:
5% of each balance transfer; $5 minimum.
Author: Stella Shon
Editor: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: February 22, 2024
Intro bonus:
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Annual Fee:
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Benefits:
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View Table Image
Annual fee
$0
Point value
$0.01
Best Multiplier
5x Lyft
1.5x Everything Else
View Table Image
Annual fee
$150
Point value
$0.005
Best Multiplier
12x Hotels
6x Gas Stations
+ 4 more
View Table Image
Annual fee
$0
Point value
$0.012
Best Multiplier
2x Airfare
2x Dining Out / Food Delivery
+ 1 more
View Table Image
Annual fee
$650
Point value
$0.012
Best Multiplier
3x Airfare
1x Everything Else
View Table Image
Annual fee
$350
Point value
$0.012
Best Multiplier
3x Airfare
3x Hotels
+ 4 more
View Table Image
Annual fee
$350
Point value
$0.012
Best Multiplier
3x Airfare
3x Hotels
+ 3 more
View Table Image
Annual fee
$0
Point value
$0.012
Best Multiplier
2x Shipping
2x Advertising (Online / TV / Radio)
+ 3 more
View Table Image
Annual fee
$650
Point value
$0.012
Best Multiplier
3x Airfare
1.5x Transit
+ 3 more
View Table Image
Annual fee
$0
Point value
$0.012
Best Multiplier
2x Airfare
2x Dining Out / Food Delivery
+ 2 more
View Table Image
Annual fee
$250
Point value
$0.012
Best Multiplier
3x Airfare
2x Transit
+ 5 more

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