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Chase AeroplanÂź Credit Card

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(4.2) 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

Earn up to 100,000 bonus points: Earn 75,000 points after you spend $4,000 on purchases in the first 3 months your account is open plus 25,000 points more after you spend $20,000 on purchases in the first 12 months.

Bonus points for spend in the following bonus categories:

Applies to travel booked directly with Air Canada. Other airfare earns 1X miles per dollar.

3x
Airfare
Estimated Rewards Value: 4.2%
3x
Dining Out / Food Delivery
Estimated Rewards Value: 4.2%

Includes takeout and delivery

3x
Groceries
Estimated Rewards Value: 4.2%
1x
Everything Else
Estimated Rewards Value: 1.4%
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  • Eltie status for the first year of card membership and the following full year - with the option to retain Aeroplan elite status or upgrade to the next tier by meeting qualifying spend requirements
  • Earn 3x bonus points per $1 spent on purchases made through Air Canada directly, grocery stores, restaurants; and 1x point on all other purchases
  • Global Entry, TSA PreCheck or NEXUS application reimbursement every four years

Pros

  • Automatic 25k Aeroplan elite status for benefits like 20 eUpgrade credits to premium cabins on Air Canada flights, two passes to Maple Leaf lounges and more
  • Use Pay Yourself Back to redeem Aeroplan points for a statement credit towards any travel purchases at a favorable rate of 1.25 cents per point
  • Important travel and purchase coverage, such as trip delay reimbursement, baggage delay insurance, cell phone insurance and more

Cons

  • Aeroplan points aren't as flexible as transferrable currencies such as Chase Ultimate Rewards
  • $95 annual fee
  • Hefty spend requirement to retain or upgrade your Aeroplan elite status level
Annual Fee: $95
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.014

Aeroplan does not pass along any fuel surcharges, making this a great program for Star Alliance flights. Two huge additional benefits are a stopover on your trip for just 5,000 miles and a lap infant (under 2) is just $25 CAD. One small negative is that they do have fees for cancelling an award ticket.

APR: 21.74%-28.74% (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: November 30, 2023
Intro bonus:
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Annual Fee:
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Benefits:
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SouthwestÂź Rapid RewardsÂź Performance Business 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:
$199

Bonus Offer

Get 80,000 Bonus Rapid Rewards points when you spend $5,000 in your first 3 months.

Bonus points for spend in the following bonus categories:

Applies only to Southwest Airlines booked directly with Southwest; Otherwise earn 1X

4x
Airfare
Estimated Rewards Value: 5.6%
2x
Cable / Internet / VOIP Phone
Estimated Rewards Value: 2.8%
2x
Cellular Phone Service
Estimated Rewards Value: 2.8%
1x
Everything Else
Estimated Rewards Value: 1.4%
+
 more
  • Four Upgraded Boardings each card membership year
  • Generous spending rewards categories
  • 9,000 bonus points on every cardmember anniversary

Pros

  • Four Upgraded Boardings each card membership year
  • Generous spending rewards categories
  • 9,000 bonus points on every cardmember anniversary

Cons

  • The high annual fee will be hard to justify for infrequent travelers
  • Rapid Rewards points only provide a good value for Southwest flights
Annual Fee: $199
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.014

When used on Wanna Get Away fares, 1.3 cents is the approximate value you get. On certain international routeswith high taxes, however, you may be able to yield close to 2 cents. Those are the exceptions to the rule, though, so I peg the value at 1.4 cents.

APR: 21.49%-28.49% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each balance transfer, whichever is greater.
Author: JT Genter
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: November 30, 2023
Intro bonus:
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Annual Fee:
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Benefits:
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United Club℠ Infinite 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:
Excellent (800-850) *
Annual Fee:
$525

Bonus Offer

Earn 90,000 United MileagePlus Miles after you spend $5,000 on qualifying purchases in the first three months of opening an account. Offer ends January 24, 2024.  

Bonus points for spend in the following bonus categories:

4x
Airfare
Estimated Rewards Value: 4.8%
2x
Dining Out / Food Delivery
Estimated Rewards Value: 2.4%
1x
Everything Else
Estimated Rewards Value: 1.2%
+
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  • United Club membership for less than the cost of buying United Club membership, covering the annual fee and then some!
  • An absolute ton of benefits, from Premier Access treatment to top tier Avis elite status and IHG Platinum status, and Primary CDW.
  • Great shopping protections, including Return Protection on top of Extended Warranty and Purchase Protection.

Pros

  • Get United Club membership for less than the cost of buying United Club membership, covering the annual fee cost and then some!
  • A ton of shopping protections, from Return Protection to Extended Warranty and Purchase Protection.
  • Tons of additional benefits, from Premier Access treatment to top tier Avis elite status and IHG Platinum status, and Primary CDW.

Cons

  • High annual fee
  • Airport lounge access is limited to United Clubs and does not include any other lounges
  • Miles earned are limited to use in the United MileagePlus program
Annual Fee: $525
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: 21.99%-28.99% (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: November 30, 2023
Intro bonus:
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Annual Fee:
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Benefits:
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Southwest Rapid RewardsÂź Plus Credit 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:
$69

Bonus Offer

Earn 75,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

Bonus points for spend in the following bonus categories:

Applies only to tickets purchased directly from Southwest. Other airfare earns 1X.

3x
Airfare
Estimated Rewards Value: 4.2%
2x
Transit
Estimated Rewards Value: 2.8%
2x
Cable / Internet / VOIP Phone
Estimated Rewards Value: 2.8%
2x
Cellular Phone Service
Estimated Rewards Value: 2.8%
2x
Streaming Services
Estimated Rewards Value: 2.8%
1x
Everything Else
Estimated Rewards Value: 1.4%
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  • Lowest annual fee of any of the Southwest credit cards.
  • Cardmember anniversary bonus and EarlyBird Check-In more than offset the card's annual fee.
  • Solid travel and purchase protections.

Pros

  • Two Early-Bird Check-Ins each year
  • 3,000 bonus points every account anniversary
  • Lowest annual fee of any Southwest credit cards

Cons

  • Bonus Spending categories could be better
  • This card does have foreign transaction fees on overseas purchases, unlike the Southwest Premier and Priority credit cards
Annual Fee: $69
Foreign
Transaction Fee:
3%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.014

When used on Wanna Get Away fares, 1.3 cents is the approximate value you get. On certain international routeswith high taxes, however, you may be able to yield close to 2 cents. Those are the exceptions to the rule, though, so I peg the value at 1.4 cents.

APR: 21.49%-28.49% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: JT Genter
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: November 30, 2023
Intro bonus:
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Annual Fee:
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Benefits:
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Southwest Rapid RewardsÂź Premier 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:
$99

Bonus Offer

Earn 75,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

Bonus points for spend in the following bonus categories:

Applies only to tickets purchased directly from Southwest. Other airfare earns 1X.

3x
Airfare
Estimated Rewards Value: 4.2%
2x
Transit
Estimated Rewards Value: 2.8%
2x
Cable / Internet / VOIP Phone
Estimated Rewards Value: 2.8%
2x
Cellular Phone Service
Estimated Rewards Value: 2.8%
2x
Streaming Services
Estimated Rewards Value: 2.8%
1x
Everything Else
Estimated Rewards Value: 1.4%
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 more
  • Get Southwest-specific benefits like EarlyBird Check-Ins and 25% back on inflight purchases.
  • The reasonable annual fee is almost fully offset by cardmember anniversary bonus points.
  • Earn points toward the Southwest Companion Pass and Tier-Qualifying Points toward A-List Status and A-List Preferred Status.

Pros

  • Two Early-Bird Check-Ins each year
  • 6,000 bonus points every account anniversary
  • Solid spending category bonus

Cons

  • Rapid Rewards points aren't valuable for anything other than flying Southwest.
  • The Southwest Priority Credit Card is likely a better fit for frequent Southwest flyers.
Annual Fee: $99
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.014

When used on Wanna Get Away fares, 1.3 cents is the approximate value you get. On certain international routeswith high taxes, however, you may be able to yield close to 2 cents. Those are the exceptions to the rule, though, so I peg the value at 1.4 cents.

APR: 21.49%-28.49% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: JT Genter
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: November 30, 2023
Intro bonus:
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Annual Fee:
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Benefits:
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Southwest Rapid RewardsÂź Priority Credit 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:
$149

Bonus Offer

Earn 75,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

Bonus points for spend in the following bonus categories:

Applies only to tickets purchased directly from Southwest. Other airfare earns 1X.

3x
Airfare
Estimated Rewards Value: 4.2%
2x
Transit
Estimated Rewards Value: 2.8%
2x
Cable / Internet / VOIP Phone
Estimated Rewards Value: 2.8%
2x
Cellular Phone Service
Estimated Rewards Value: 2.8%
2x
Streaming Services
Estimated Rewards Value: 2.8%
1x
Everything Else
Estimated Rewards Value: 1.4%
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  • Excellent Southwest-specific perks - including an annual travel credit and bonus points every cardmember anniversary.
  • Earn points toward Southwest Companion Pass and Tier Qualifying Points toward A-List and A-List Preferred Status.
  • Solid purchase and travel protections.

Pros

  • $75 Southwest annual travel credit
  • 7,500 bonus points each cardmember anniversary (worth $105)
  • Four Upgraded Boarding passes each year

Cons

  • $149 annual fee is the highest annual fee of any personal Southwest credit card.
  • Rapid Rewards points are only really valuable for Southwest award flights.
Annual Fee: $149
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.014

When used on Wanna Get Away fares, 1.3 cents is the approximate value you get. On certain international routeswith high taxes, however, you may be able to yield close to 2 cents. Those are the exceptions to the rule, though, so I peg the value at 1.4 cents.

APR: 21.49%-28.49% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each balance transfer, whichever is greater.
Author: JT Genter
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: November 30, 2023
Intro bonus:
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Annual Fee:
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Benefits:
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World of Hyatt Business Credit Card

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(4.2) 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:
$199

Bonus Offer

Earn 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening

Bonus points for spend in the following bonus categories:

Only at Hyatt family hotels booked directly. 1X on other hotels.

4x
Hotels
Estimated Rewards Value: 6.8%

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2x
Airfare
Estimated Rewards Value: 3.4%

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2x
Transit
Estimated Rewards Value: 3.4%

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2x
Car Rentals
Estimated Rewards Value: 3.4%

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2x
Cable / Internet / VOIP Phone
Estimated Rewards Value: 3.4%

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2x
Gas Stations
Estimated Rewards Value: 3.4%

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2x
Cellular Phone Service
Estimated Rewards Value: 3.4%

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2x
Dining Out / Food Delivery
Estimated Rewards Value: 3.4%

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2x
Advertising on Search Engines and Social Media
Estimated Rewards Value: 3.4%

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2x
Shipping
Estimated Rewards Value: 3.4%
2x
Gym Memberships
Estimated Rewards Value: 3.4%
1x
Everything Else
Estimated Rewards Value: 1.7%
+
 more
  • Earn elite night credits from eligible spend
  • Gives you automatic World of Hyatt Discoverist status
  • Has a wide range of card benefits, including primary car rental CDW

Pros

  • Earn elite night credits from eligible spend
  • Grants you automatic World of Hyatt Discoverist status
  • Has a wide range of travel and shopping benefits

Cons

  • Somewhat high annual fee
  • No bonus categories earn more than 2X Hyatt points
  • The Discoverist status is the lowest of the Hyatt elite tiers
Annual Fee: $199
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.017

Hyatt award rates range from 3,500 to 45,000 points per night at their regular hotels and resorts. At all-inclusive resorts and Miraval, the prices can reach as high as 58,000 points per night, Almost without fail, during even remotely peak times, we can find roughly 2 cents per point in value. You can even book Suites for incrementally more points (Premium Suite costs twice as much as a room, for example). I tend to find these are one of the best ways to spend Chase Ultimate Rewards points which transfer 1:1. They are the only major hotel program in the US with fixed award charts making it a great program to be able to set goals for your redemptions..

APR: 21.49%-28.49% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each balance 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: November 30, 2023
Intro bonus:
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Chase Ink Business Premier℠ Credit Card

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(3.8) 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:
$195

Bonus Offer

Earn $1,000 bonus cash back after you spend $10,000 on purchases in your first 3 months from account opening.

Bonus points for spend in the following bonus categories:

Only applies to bookings made in the Chase Ultimate Rewards portal. Otherwise, you'll earn the default rate (2% - 2.5%) for everyday spend on this card.

5x
Airfare
Estimated Rewards Value: 5%

Only applies to bookings made in the Chase Ultimate Rewards portal. Otherwise, you'll earn the default rate (2% - 2.5%) for everyday spend on this card.

5x
Cruises
Estimated Rewards Value: 5%

Only applies to bookings made in the Chase Ultimate Rewards portal. Otherwise, you'll earn the default rate (2% - 2.5%) for everyday spend on this card.

5x
Car Rentals
Estimated Rewards Value: 5%

Only applies to bookings made in the Chase Ultimate Rewards portal. Otherwise, you'll earn the default rate (2% - 2.5%) for everyday spend on this card.

5x
Hotels
Estimated Rewards Value: 5%
2.5x
Single Charges over $5,000
Estimated Rewards Value: 2.5%
2x
Everything Else
Estimated Rewards Value: 2%
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 more
  • Charge card allows for high spending limits to fit your business needs
  • 2.5% Cash Back on purchases over $5,000 is a stellar rebate on spend
  • Earns Cash Back rather than transferable points.

Pros

  • There is no other charge card on the market that offers 2.5% on charges over $5,000 with no monthly or annual limit.
  • A flexible spending limit makes it a great choice for heavy spenders; rare on a small business card.
  • Primary car rental Collision Damage Waiver (CDW) can be a huge benefit when on the road. This means your personal insurance won't have to get involved for damage to your rental car. (Note that it does not provide liability insurance or coverage for any other car you may be in a collision with.)

Cons

  • The Chase Ultimate Rewards points earned with the Ink Business Premier are pure cash back with no option to transfer the points to other Chase small business credit cards (Ink) or Chase Sapphire cards or to airline and hotel transfer partners. This differs from all other Chase Ink credit cards.
  • Relatively high annual fee.
  • Lack of travel benefits like a Global Entry application fee credit, though you likely have that on another credit card.
Annual Fee: $195
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
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: 19.49%-27.49% (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: November 30, 2023
Intro bonus:
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Chase Ink Business PreferredÂź Credit Card

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(4.6) 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

Get 100,000 Ultimate Rewards points as a bonus when you spend $8,000 in your first 3 months.

Bonus points for spend in the following bonus categories:

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

3x
Airfare
Estimated Rewards Value: 5.25%

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

3x
Transit
Estimated Rewards Value: 5.25%

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

3x
Car Rentals
Estimated Rewards Value: 5.25%

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

3x
Cellular Phone Service
Estimated Rewards Value: 5.25%

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

3x
Hotels
Estimated Rewards Value: 5.25%

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

3x
Advertising on Search Engines and Social Media
Estimated Rewards Value: 5.25%

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

3x
Shipping
Estimated Rewards Value: 5.25%

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

3x
Cable / Internet / VOIP Phone
Estimated Rewards Value: 5.25%

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

3x
Cruises
Estimated Rewards Value: 5.25%
1x
Everything Else
Estimated Rewards Value: 1.75%
+
 more
  • Earns fully transferable Chase Ultimate Rewards points
  • 3X points per dollar on travel and online advertising on social media sites up to $150,000 a year can mean huge points earnings. Limit is per account anniversary year
  • Primary Car Rental CDW, trip delay and cancellation insurance, and cell phone protection

Pros

  • 3X points per dollar for combined purchases travel, advertising on social media sites, phone services and more - up to $150,000 per account anniversary year can mean huge points earnings
  • Earns fully transferable Chase Ultimate Rewards points
  • Travel protections, primary car rental CDW, and cell phone protections

Cons

  • $95 annual fee
  • The 3X bonus categories have a cap of $150,000 on combined purchases, then the earn rate drops to 1X. It also earns 1 point per dollar on other eligible purchases.
  • No 0% intro APR offers
Annual Fee: $95
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.01-$0.0175

The Sapphire Reserve, Sapphire Preferred, 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. If you do not have at least one of these cards, Ultimate Rewards are worth exactly 1 cent per point. Also keep in mind that when you redeem your points, you can elect to book travel through the Ultimate Rewards portal where the Sapphire Preferred and Ink Preferred have a point value of 1.25 cents per point and the Sapphire Reserve has points worth 1.5 cents each. You can move points freely between your Ultimate Rewards cards, i.e. from a Chase Freedom Unlimited to a Chase Sapphire Reserve. You can also read our Guide to Chase Ultimate Rewards points.

APR: 21.24%-26.24% (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: November 30, 2023
Intro bonus:
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Annual Fee:
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Chase Ink Business CashÂź Credit Card

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(4.8) 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

Bonus Offer

Get $900 in the form of 90,000 Ultimate Rewards points when you spend $6,000 in your first 3 months. Points are transferrable if you also hold a Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred.

Bonus points for spend in the following bonus categories:

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

Pros

  • Great 5X (office supplies, cable, internet, phone) and 2X (gas stations and dining) bonus categories.
  • No annual fee
  • Points earned can be combined to a Chase Ink PreferredÂź, Chase Sapphire PreferredÂź Card, or Chase Sapphire ReserveÂź Card

Cons

  • Charges a foreign transaction fee
  • Rewards earned are only cash back unless you have a Chase Ink PreferredÂź, Chase Sapphire PreferredÂź Card, or Chase Sapphire ReserveÂź Card to unlock points transfers
  • Earns only 1% on non-bonus categories
Annual Fee: $0
Foreign
Transaction Fee:
3%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.01-$0.0175

The Sapphire Reserve, Sapphire Preferred, 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. If you do not have at least one of these cards, Ultimate Rewards are worth exactly 1 cent per point. Also keep in mind that when you redeem your points, you can elect to book travel through the Ultimate Rewards portal where the Sapphire Preferred and Ink Preferred have a point value of 1.25 cents per point and the Sapphire Reserve has points worth 1.5 cents each. You can move points freely between your Ultimate Rewards cards, i.e. from a Chase Freedom Unlimited to a Chase Sapphire Reserve. You can also read our Guide to Chase Ultimate Rewards points.

APR: 0 % Intro APR (on purchases for 12 months, 18.49%-24.49% thereafter)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: November 30, 2023
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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View Table Image
Annual fee
$0
Point value
$0.01
Best Multiplier
5x Amazon / Whole Foods
5x Airfare
+ 6 more
View Table Image
Annual fee
$395
Point value
$0.016
Best Multiplier
10x Car Rentals
10x Hotels
+ 2 more
View Table Image
Annual fee
$150
Point value
$0.005
Best Multiplier
12x Hotels
6x Gas Stations
+ 4 more
View Table Image
Annual fee
$95
Point value
$0.005
Best Multiplier
12x Hotels
6x Airfare
+ 6 more
View Table Image

CitiÂź Diamond PreferredÂź Credit Card

Annual fee
$0
Point value
$0.01
Best Multiplier
0x Everything Else
View Table Image
Annual fee
$0
Point value
$0.012
Best Multiplier
2x Airfare
2x Transit
+ 4 more
View Table Image
Annual fee
$250
Point value
$0.017
Best Multiplier
4x Groceries
4x Dining Out / Food Delivery
+ 2 more
View Table Image
Annual fee
$250
Point value
$0.01
Best Multiplier
1.5x Everything Else
View Table Image
Annual fee
$0
Point value
$0.01
Best Multiplier
6x Groceries
6x Streaming Services
+ 3 more
View Table Image

Citi Custom Cash℠ Card

Annual fee
$0
Point value
$0.01 -
$0.016
Best Multiplier
5x Airfare
5x Transit
+ 10 more

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