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American Express is an Advertising Partner

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:

👑 Best Ever Offer

You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Terms apply.

Bonus points for spend in the following bonus categories:

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

2x
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.

2x
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.

2x
Shipping
Estimated Rewards Value: 3.4%

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

1x-5x
Airfare
Estimated Rewards Value: 1.7%

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

1x-5x
Hotels
Estimated Rewards Value: 1.7%
1x
All Other Eligible Purchases
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 1,550 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: 17.74%-28.49% (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: April 19, 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

American Express® Business Gold 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 *
Annual Fee:

👑 Best Ever Offer

You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Terms Apply.

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

4x
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

4x
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

4x
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

4x
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

4x
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

4x
Transit
Estimated Rewards Value: 6.8%

3X Membership Rewards Points on Flights and Prepaid Hotels Booked at AmexTravel.com; Otherwise 1X

3x
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

3x
Hotels
Estimated Rewards Value: 5.1%
1x
All Other Eligible Purchases
Estimated Rewards Value: 1.7%
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 more
  • 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: 17.74%-28.49% (Variable)
Author: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: April 19, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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American Express is an Advertising Partner

The Platinum Card® from American Express

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(4.33) 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

As High As 175,000 points. Find Out Your Offer. You may be eligible for as high as 175,000 Membership Rewards® Points after spending $12,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer. Terms apply.

Bonus points for spend in the following bonus categories:

Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel® up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel®.

5x
Airfare
Estimated Rewards Value: 8.5%

Earn 5X only when booked via AmexTravel.com; Otherwise, hotels will earn 1X points per dollar spent

1x-5x
Hotels
Estimated Rewards Value: 1.7%
1x
All Other Eligible Purchases
Estimated Rewards Value: 1.7%
+
 more
  • With over $3,500 in annual value, 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, lululemon, Oura Ring, Equinox, and more. (Enrollment required)
  • American Express 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.
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.

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: April 19, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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Chase Sapphire Reserve for Business℠ Chase Sapphire Reserve for Business℠ image

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

🎁 Bonus offer

Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening and access more than $6,000 in total business and travel value in your first year.
Get a 20% transfer bonus when you transfer Chase Ultimate Rewards to Air Canada Aeroplan.

Offer expires on Apr 30, 2026

Get 20% bonus Aeroplan® points when you transfer Chase Ultimate Rewards® points between 12:00 AM ET on April 1, 2026 and 11:59 PM ET on April 30, 2026. Bonus Aeroplan points will be awarded by Aeroplan in your Aeroplan account after your transfer is complete. Promotional offer terms and conditions apply. This bonus, unlike the last one, is not tiered by transfer size. That one ranged from 15% – 25% depending on how much you moved over.

Chase Aeroplan cardmembers get an additional 10% bonus – must transfer at least 50,000 points; max bonus from being a cardmember is 25,000 points per year) – which would make this a 30% bonus.

I suggest reviewing historical transfer bonuses from Chase and American Express to Air Canada Aeroplan as you might find that bonuses are more common than you think. 20% is the “standard” offer we see the most, though Chase did offer a flat 30% in late 2022. I’m not counting a one-off Bilt Rewards transfer bonus that went as high as 150% since that is unlikely to repeat.

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

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

Subscribe to Transfer Bonus Notifications
Get a 70% transfer bonus when you transfer Chase Ultimate Rewards to IHG One Rewards.

Offer expires on Apr 30, 2026

There have been five transfer bonuses from Chase to IHG One Rewards in 2025 early 2026. One was 100%, two were 80%, and two were 70%. This bonus is on the lowest end of the range.

We value IHG Rewards points at 0.4 cents and Chase Ultimate Rewards at 1.75 cents, so this is far from a slam dunk and we’d advise to only transfer if you’ve already found a great redemption.

You also may be looking to “top up” an existing IHG Rewards balance for a reward stay and this would be an opportune time.

But as a general rule, we find that one Chase Ultimate Rewards point is at least 4 times more valuable than  IHG Rewards points, so, again, do your homework before transferring and make sure you have a deal lined up – ideally using the 4th night free benefit from a co-branded credit card.

Transfers take less than a day (most likely less than a few hours, but not instant), although note that IHG is adding the bonus on their side so their could be a delay.

Subscribe to Transfer Bonus Notifications

Bonus points for spend in the following bonus categories:

Through 9/30/27

5x
Lyft
Estimated Rewards Value: 8.75%

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

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

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

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

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

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

Pros

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

Cons

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

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

APR: 17.74%-28.49% (Variable)
Author: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: April 19, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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Chase Sapphire Reserve®

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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:
Excellent (800-850) *
Annual Fee:
$795

☝ Increased Offer

Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
Get a 20% transfer bonus when you transfer Chase Ultimate Rewards to Air Canada Aeroplan.

Offer expires on Apr 30, 2026

Get 20% bonus Aeroplan® points when you transfer Chase Ultimate Rewards® points between 12:00 AM ET on April 1, 2026 and 11:59 PM ET on April 30, 2026. Bonus Aeroplan points will be awarded by Aeroplan in your Aeroplan account after your transfer is complete. Promotional offer terms and conditions apply. This bonus, unlike the last one, is not tiered by transfer size. That one ranged from 15% – 25% depending on how much you moved over.

Chase Aeroplan cardmembers get an additional 10% bonus – must transfer at least 50,000 points; max bonus from being a cardmember is 25,000 points per year) – which would make this a 30% bonus.

I suggest reviewing historical transfer bonuses from Chase and American Express to Air Canada Aeroplan as you might find that bonuses are more common than you think. 20% is the “standard” offer we see the most, though Chase did offer a flat 30% in late 2022. I’m not counting a one-off Bilt Rewards transfer bonus that went as high as 150% since that is unlikely to repeat.

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

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

Subscribe to Transfer Bonus Notifications
Get a 70% transfer bonus when you transfer Chase Ultimate Rewards to IHG One Rewards.

Offer expires on Apr 30, 2026

There have been five transfer bonuses from Chase to IHG One Rewards in 2025 early 2026. One was 100%, two were 80%, and two were 70%. This bonus is on the lowest end of the range.

We value IHG Rewards points at 0.4 cents and Chase Ultimate Rewards at 1.75 cents, so this is far from a slam dunk and we’d advise to only transfer if you’ve already found a great redemption.

You also may be looking to “top up” an existing IHG Rewards balance for a reward stay and this would be an opportune time.

But as a general rule, we find that one Chase Ultimate Rewards point is at least 4 times more valuable than  IHG Rewards points, so, again, do your homework before transferring and make sure you have a deal lined up – ideally using the 4th night free benefit from a co-branded credit card.

Transfers take less than a day (most likely less than a few hours, but not instant), although note that IHG is adding the bonus on their side so their could be a delay.

Subscribe to Transfer Bonus Notifications

Bonus points for spend in the following bonus categories:

8X only applies to bookings made via Chase Travel℠. Otherwise earn 4X points per dollar if booked directly with the airline. Bookings via any other channel earn 1X.

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

8X only applies to bookings made via Chase Travel℠. Otherwise earn 4X points per dollar if booked directly with the hotel. Bookings via any other channel earn 1X.

4x-8x
Hotels
Estimated Rewards Value: 7%
3x
Dining Out / Food Delivery
Estimated Rewards Value: 5.25%

Only applies to bookings made via Chase Travel℠. Otherwise earn 1X.

1x-8x
Car Rentals
Estimated Rewards Value: 1.75%
1x
Everything Else
Estimated Rewards Value: 1.75%
+
 more
  • Earns extremely valuable Chase Ultimate Rewards points
  • Chase Sapphire Lounge by the Club and Priority Pass Select airport lounge access for you and 2 guests, including Priority Pass Experiences
  • The potential for more than $2,700 in annual value in benefits and statement credits.

Pros

  • Aside from a $300 annual credit on travel, you'll earn up to 8X on all travel purchases made via Chase Travel℠
  • Chase Sapphire Lounge by the Club and Priority Pass Select airport lounge access for you and 2 guests, including Priority Pass Experiences
  • The potential for more than $2,700 in annual value in benefits and statement credits.

Cons

  • High annual fee
  • Not as many bonus categories as some other cards
  • If booking travel directly (rather than via Chase Travel℠), 4X bonus categories are limited to Airfare and Hotels booked directly but not all travel.
Annual Fee: $795
Foreign
Transaction Fee:
0%
Min Credit
Score:
Excellent (800-850) *
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: 19.49%-27.99% (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: April 19, 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

American Express® Gold Card

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(4.48) 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:

☝ Increased Offer

You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you're approved and find out your exact welcome offer amount - all with no credit score impact. If you're approved and choose to accept the Card, your score may be impacted.

Bonus points for spend in the following bonus categories:

4X Membership Rewards points per dollar spent on U.S. Supermarkets* (up to $25,000 a year; 1X thereafter)

4x
Supermarkets
Estimated Rewards Value: 6.8%

At restaurants worldwide (up to $50,000 a year; 1X thereafter)

4x
Dining Out / Food Delivery
Estimated Rewards Value: 6.8%

Booked directly with the airline or via AmexTravel.com

3x
Airfare
Estimated Rewards Value: 5.1%
+
 more
  • Amazing Membership Rewards earn rate for spend on dining and at supermarkets as well as airfare
  • No Preset Spending Limit. 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.
  • You can choose the traditional American Express Gold Card color or the unique Rose Gold versions

Pros

  • For a pure combination of spending on dining, groceries, and airfare, the American Express Gold card is unmatched
  • Although the annual fee seems high, you can actually come out ahead by using available monthly statement credits
  • Earns valuable American Express Membership rewards points and card membership includes the highly regarded American Express customer service

Cons

  • The annual fee of $325, despite the statement credits that can offset it, is steep for some
  • Bonus categories are limited to just three
  • Car rental CDW coverage is secondary to your own auto insurance
Annual Fee: $325
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.

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: April 19, 2026
Intro bonus:
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Graphite™ Business Cash Unlimited Card Graphite™ Business Cash Unlimited Card image
American Express is an Advertising Partner

Graphite™ Business Cash Unlimited Card

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(4.43) Our Review

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

Min Credit Score:
Good *
Annual Fee:

👑 Best Ever Offer

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

Bonus points for spend in the following bonus categories:

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

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

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

2x-5x
Airfare
Estimated Rewards Value: 2%
2x
All Other Eligible Purchases
Estimated Rewards Value: 2%
+
 more
  • 2% Unlimited Cash Back on Eligible Purchases
  • 5% Unlimited Cash Back on Flights and Prepaid Hotels Booked at American Express Travel Online
  • No Preset Spending Limit; No limit on Rewards
  • Annual $2,400 One AP® Statement Credit

Pros

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

Cons

  • High annual fee
  • Limited Statement Credits available compared to some other mid-level annual fee cards
Annual Fee: $295
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good *
Point
Value:
$0.01

When a card earns cash back, it has a value in our calculator of $0.01, just as you'd expect! 😉

APR: 17.74%-28.49% (Variable)
Author: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: April 19, 2026
Intro bonus:
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American Express is an Advertising Partner

Delta SkyMiles® Reserve American Express Card

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(3.68) 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:

☝ Increased Offer

You may be eligible for as high as 100,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Terms apply.

Bonus points for spend in the following bonus categories:

3X only applies to Delta flights purchased directly from Delta. All other airline purchases will earn 1X miles per dollar

1x-3x
Airfare
Estimated Rewards Value: 1.2%
1x
All Other Eligible Purchases
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. Delta SkyMiles® Reserve Members receive 15 Visits each Medallion® Year to the Delta Sky Club® and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card in a calendar year.
  • 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 *
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: 19.49%-28.49% (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: April 19, 2026
Intro bonus:
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United Club℠ Card

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(4.25) Our Review

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

Min Credit Score:
Excellent (800-850) *
Annual Fee:
$695

☝ Increased Offer

Earn 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.

Bonus points for spend in the following bonus categories:

Earn 5X on United flights booked directly only; otherwise earn 2 miles per dollar

2x-5x
Airfare
Estimated Rewards Value: 2.4%
2x
Dining Out / Food Delivery
Estimated Rewards Value: 2.4%
2x
Car Rentals
Estimated Rewards Value: 2.4%
2x
Transit
Estimated Rewards Value: 2.4%

Earn 5 miles per $1 spent on hotel accommodations when you prepay directly through Renowned Hotels and Resorts using your United Club℠ Card.

2x-5x
Hotels
Estimated Rewards Value: 2.4%
2x
Cruises
Estimated Rewards Value: 2.4%
1x
Everything Else
Estimated Rewards Value: 1.2%
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 more
  • 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.
  • Earn up to 28,000 Premier qualifying points per calendar year (1 PQP for every $15 you spend on purchases), up to and including the Premier 1K® level

Cons

  • High annual fee
  • Airport lounge access is limited to United Clubs and does not include any other lounges unless you qualify for All Access membership
  • Miles earned are limited to use in the United MileagePlus program
Annual Fee: $695
Foreign
Transaction Fee:
0%
Min Credit
Score:
Excellent (800-850) *
Point
Value:
$0.012

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

APR: 19.74%-28.24% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: 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: April 19, 2026
Intro bonus:
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Capital One Venture X Rewards 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:
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.
Get a 30% transfer bonus when you transfer Capital One Miles to Japan Airlines (JAL) Mileage Bank.

Offer expires on Apr 30, 2026

Until April 30, 2026, 1,000 Capital One Miles gets you 975 JAL miles  with this 30% transfer bonus. Usually, 1,000 Capital One Miles will get you just 750 JAL miles.

Capital One just added JAL Mileage Bank as a partner last September. The transfer ratio is sub-optimal at 2:1.5, but with this offer it is *almost* to 1:1. This is now their third transfer bonus in that time, making me think that they aren’t getting a lot of uptake on the transfers at 2:1.5. Keep in mind that you can transfer 1:1 to JAL from both Bilt Rewards and from Rove Miles (if you are new and use this link, you’ll get 1,500 Rove Miles just for signing up).

We have a full guide to JAL Mileage Bank. Unfortunately the JetBlue partnership ended yesterday and that was a great one. In almost all cases, you will save substantially when booking a round trip on JAL partners / oneworld.

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

Transfers should be instant.

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

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

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

Subscribe to Transfer Bonus Notifications

Bonus points for spend in the following bonus categories:

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

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

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

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

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

2x-10x
Hotels
Estimated Rewards Value: 3.2%
2x
Everything Else
Estimated Rewards Value: 3.2%
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 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.
  • Access to Capital One lounges and Landings and participating Priority Pass™ lounges
  • 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 and Landings and participating Priority Pass™ lounges
  • Authorized users also get the upgraded Hertz status like 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: 19.49%-28.49% (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: April 19, 2026
Intro bonus:
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View Table Image
Annual fee
$95
Point value
$0.016
Best Multiplier
2x Hotels
2x Car Rentals
+ 1 more
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Graphite™ Business Cash Unlimited Card

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
+ 6 more
View Table Image
Annual fee
$795
Point value
$0.01 -
$0.0175
Best Multiplier
4x Airfare
4x Hotels
+ 3 more
View Table Image

Chase Sapphire Reserve for Business℠

Annual fee
$795
Point value
$0.01 -
$0.0175
Best Multiplier
5x Lyft
4x Airfare
+ 4 more
View Table Image

Chase Ink Business Preferred® Credit Card

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

Bilt Palladium Card

Annual fee
$495
Point value
$0.018
Best Multiplier
0x Rent / Mortgage
2x Everyday Spend
View Table Image

Bilt Obsidian Card

Annual fee
$95
Point value
$0.018
Best Multiplier
1x Supermarkets
1x Dining Out / Food Delivery
+ 2 more

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