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American Express® Business Gold 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 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership. Terms apply.
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
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
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
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
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
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
3X Membership Rewards Points on Flights and Prepaid Hotels Booked at AmexTravel.com; Otherwise 1X
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card; 1X otherwise
- 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
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.
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.
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.
American Express® Gold 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 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
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)
At restaurants worldwide (up to $50,000 a year; 1X thereafter)
Booked directly with the airline or via AmexTravel.com
- 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
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.
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 80,000 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.
Marriott Bonvoy Business® 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 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy points at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees and terms apply.
Bonus points for spend in the following bonus categories:
6X only applies to Marriott Bonvoy hotels booked directly with Marriott or the hotel. Otherwise, earn 2X.
At U.S. gas stations
With U.S. Cellular Providers
Worldwide
With U.S. Shipping companies
- Earn an annual free night award after your card renewal month (with a redemption level of up to 35,000 Marriott Bonvoy points - or 50,000 if you "top off" with up to 15,000 of your own additional points) with the opportunity to earn an additional free night award from spend
- A solid 7% room rate discount at 8,500+ properties participating in the Marriott Bonvoy program
- Complimentary Marriott Bonvoy elite status (Gold) and 15 annual elite credits with your card membership
Pros
- Earn 4x Marriott Bonvoy points at a wide variety of everyday business categories, including restaurants worldwide, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers and U.S. purchases for shipping.
- Free night awards galore! You'll earn one upon card renewal with the opportunity to earn an additional free night award after spending $60,000+ in a calendar year
- Complimentary Gold elite status for 25% bonus points on Marriott purchases, 2 p.m. (based on availability) late checkout and space-available enhanced room upgrades
Cons
- $125 annual fee
- Free night award is capped at 35,000 points, although you can use up to 15,000 points of your own to increase that to a 50,000 point room
- Marriott Bonvoy Gold elite status does not offer a ton of perks compared to other hotel loyalty programs or the higher Marriott Bonvoy tiers
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.
Delta SkyMiles® Reserve 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 70,000 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:
Only applies to Delta flights purchased directly from Delta. All other airline purchases will earn 1X miles per dollar
- 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
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.
Delta SkyMiles® Platinum Business 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 70,000 Bonus Miles after spending $6,000 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
(Aggregate limit of $100,000 across the categories of U.S. Shipping, Transit, and Charges of $5,000 or more - 1X thereafter)
(Aggregate limit of $100,000 across the categories of U.S. Shipping, Transit, and Charges of $5,000 or more - 1X thereafter)
U.S. shipping only (Aggregate limit of $100,000 across the categories of U.S. Shipping, Transit, and Charges of $5,000 or more - 1X thereafter)
- Get $2,500 MQDs each year just for having the card! Plus earn 1 MQD per $20 spent on eligible purchases
- Frequent Delta flyers will appreciate the First Checked Bag Free on Delta Flights + Zone 5 Priority Boarding benefits
- Earn an annual companion certificate upon account renewal, valid for roundtrip domestic flights on Delta
Pros
- Earn Medallion status faster
- Receive an annual companion certificate that can be worth way more than the $350 annual fee
- Get a Global Entry/TSA PreCheck fee credit once every 4-4.5 years
Cons
- $350 annual fee
- Delta Sky Club access no longer a benefit of the card
- Earns less MQDs per dollar than the higher level Delta Business Reserve card
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.
Hilton Honors American Express Aspire® 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 150,000 Bonus Points after spending $6,000 on eligible purchases within the first six months of Card Membership (Terms apply).
Bonus points for spend in the following bonus categories:
At Hilton portfolio properties when you book direct with Hilton or the hotel. Otherwise, earn 3X points
U.S. dining, including takeout and delivery
- Diamond Elite Status
- Up to $889 in annual statement credits (Terms apply)
- An annual Free Night Reward with no cap on value
Pros
- Diamond Elite Status
- Up to $889 in annual statement credits (Terms apply)
- An annual Free Night Reward with no cap on value
Cons
- Points earned are only good for booking Hilton family stays
- High annual fee (but not really, considering the value)
- We really can't think of a third!
Since Hilton moved to a variable pricing model, on average you'll be offered roughly a 0.5 cent value per point for average hotels. However, what is nice is that although the pricing is mostly variable, they still cap the "standard" redemption rate on all properties. With the 5th night free on all award stays and resort fees waived on award stays, it's very possible to well exceed this value - even getting 1-2 cents per point - when used wisely. With the addition of SLH as fully integrated into the Hilton fold, we have raised the overall expected average redemption value to 0.6 cents.
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® Platinum 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 60,000 Bonus Miles after you spend $3,000 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:
Multiplier only applies to flights booked on Delta, otherwise earn 1X
At restaurants, including takeout and delivery in the U.S.
At U.S. Supermarkets. * American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)
- The annual companion certificate can easily outweigh the $350 annual fee and can be used for round trip domestic flights on Delta Air Lines (Terms apply)
- Get $2,500 MQDs annually just for having the card plus you can spend your way towards Medallion Status with 1 MQD per $20 spent.
- Get a 15% discount off of Delta award flights
Pros
- $2,500 annual MQDs and the opportunity to spend your way towards Medallion Status (MQDs)
- Receive a Companion Certificate on Main Cabin domestic, Caribbean, or Central American roundtrip flights to select destinations each year after renewal of your Card. (Terms apply)
- Jam-packed with traveler's benefits, such as a Global Entry or TSA PreCheck fee credit, a first free checked bag when flying Delta Air Lines, trip delay coverage, baggage insurance and more
Cons
- $350 annual fee
- Doesn't offer Delta Sky Club access
- While the ability to spend your way towards Medallion status is helpful, it requires a hefty amount of spending
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.
Delta SkyMiles® Gold Business 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 60,000 Bonus Miles after spending $4,000 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:
U.S. providers only
U.S. providers only
Multiplier only applies to flights booked on Delta, otherwise earn 1X
- You and up to eight companions on the same flight reservation can get a free checked bag on Delta flights -- saving you $30 per person, per flight!
- When it comes time to redeem your hard-earned SkyMiles, you'll get a nice 15% discount on award redemptions for Delta flights.
- Get access to a solid range of travel and purchase protections with the card, such as secondary car rental collision and damage waiver insurance and extended warranty.
Pros
- First Checked Bag Free on Delta Flights + Zone 5 Priority Boarding
- Enjoy a 20% discount for onboard purchases
- Opportunity to earn a future $200 Delta flight credit by spending $10,000+ on the card every year
Cons
- $150 ongoing annual fee after the first year
- No Delta Sky Club membership or access
- Unlike the Platinum and Reserve card versions, you cannot earn an MQD waiver or earn MQMs from qualifying 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.
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