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Chase Ink Business Unlimited® 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
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:
- Simple. Earn 1.5% cash back on all purchases
- Rich signup bonus
- No annual fee
Pros
- With 1.5% cash back on all purchases, it's a perfect "default" card for purchases not in a bonus category on your other cards
- No annual fee
- Points earned can be transferred to your Chase Ink Preferred®, Sapphire Preferred® Card, or Sapphire Reserve® Card
Cons
- Comes with a foreign transaction fee when travelling or making a purchase in a foreign currency
- Rewards earned are only cash back, although you can transfer the Ultimate Rewards points earned to a Chase Ink Preferred®, Sapphire Preferred® Card, or Sapphire Reserve® Card to enable airline and hotel points transfers
- No bonus spend categories
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.
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.
Chase Ink Business Cash® 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 $350 in the form of 35,000 Ultimate Rewards points when you spend $3,000 on purchases in the first three months and an additional $400 in the form of 40,000 Ultimate Rewards points when you spend $6,000 on purchases in the first six months after account opening. 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:
- Earns 5X on office supply stores, cable, internet, and phone
- Points earned can be transferred to other eligible Chase Ultimate Rewards cards
- Earn a 10% Business Relationship Bonus (only cards opened March 21 - Nov 2024; requires Chase Business Checking account) and 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 Preferred®, Chase Sapphire Preferred® Card, or Chase Sapphire Reserve® Card
Cons
- Charges a foreign transaction fee
- Rewards earned are only cash back unless you have a Chase Ink Preferred®, Chase Sapphire Preferred® Card, or Chase Sapphire Reserve® Card to unlock points transfers
- Earns only 1% on non-bonus categories
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.
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Capital One Spark Cash Select 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.
Bonus Offer
Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening
Bonus points for spend in the following bonus categories:
5% cash back on hotels and rental cars booked through Capital One Travel; 1X miles per dollar otherwise.
5% cash back on hotels and rental cars booked through Capital One Travel; 1X miles per dollar otherwise.
- No annual fee
- No foreign transaction fees
- Earn 1.5% Cash back on all eligible purchases
Pros
- No annual fee
- No foreign transaction fees
- Low minimum spend required to receive the Early Spend Bonus
Cons
- Only earns 1.5% where other cards earn 2% back
- Lacks a complete set of features and benefits that most annual fee cards have
- Capital One does a hard pull with all 3 credit bureaus when you apply
When a card earns cash back, it has a value in our calculator of $0.01, just as you'd expect! 😉
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 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 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Terms Apply.
Bonus points for spend in the following bonus categories:
Applies to bookings at Hilton Honors properties booked directly with Hilton. Otherwise, earn 3X
At U.S. Gas Stations
At U.S. Restaurants. Take out and delivery included.
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.)
- No annual fee and no foreign transaction fees
- 7X points when staying at Hilton portfolio properties
- Comes with Silver Elite Status
Pros
- 7X points when staying at Hilton portfolio properties
- Comes with Silver Elite Status with the chance to earn Gold
- No annual fee and no foreign transaction fees
Cons
- Silver status benefits are light compared to Gold status
- The earn rate on everyday spend is higher on other cards
- Lacks any high end benefits, but then again it's a no annual fee card
Since Hilton moved to a variable pricing model, on average you'll be offered roughly a 0.5 cent value per point. 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.
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 Bold 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 60,000 Points + 1 Free Night after spending $2,000 on eligible purchases within the first 3 months from account opening. 1 Free Night valued up to 50,000 points. Certain hotels have resort fees.
Bonus points for spend in the following bonus categories:
Earn 3X at Marriott Bonvoy properties booked direct. Earn 2X on all other hotel bookings.
Select Streaming services
- Beginner-friendly travel card with no annual fee and no foreign transaction fees to worry about
- Automatic Silver elite status with 15 annual elite night credits for holding the card
- Important travel and purchase coverages, including baggage delay insurance, trip delay reimbursement and purchase protection
Pros
- No annual fee
- Automatic Silver elite status in the Marriott Bonvoy program and 15 elite night credits every year
- Earn 6X Bonvoy points at participating Marriott hotels
Cons
- Marriott Bonvoy Silver elite status won't get you much besides priority late checkout
- The card doesn't come with a Marriott free night award
- The earning rate on non-Marriott purchases is mediocre (2x points on travel purchases and 1x points on all other eligible purchases)
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.
Chase Freedom Flex 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.
Bonus Offer
Get $200 (20,000 Ultimate Rewards points) when you spend $500 in your first 3 months.
Bonus points for spend in the following bonus categories:
Earn this multiplier when you purchase via the Chase Ultimate Rewards travel portal. If you purchase any other way, you will earn 1X points.
Earn this multiplier when you purchase via the Chase Ultimate Rewards travel portal. If you purchase any other way, you will earn 1X points.
Earn this multiplier when you purchase via the Chase Ultimate Rewards travel portal. If you purchase any other way, you will earn 1X points.
- 0% Intro APR offers for both new purchases and balance transfers
- 5% cash back on rotating bonus categories each quarter (on up to $1,500 in combined purchases per quarter)
- Comes with great shopping benefits like Purchase Protection and Extended Warranty
Pros
- No annual fee
- 0% Intro APR offers on both purchases and balance transfers
- Points earned can be combined with other cards that earn Chase Ultimate Rewards
Cons
- Cannot transfer points to airline or hotel partners unless you also have a Chase Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred
- Carries a foreign transaction fee of 3%
- Limited trip protections and no bonus points on travel purchases
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.
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Citi Custom Cash℠ 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
$200 in the form of 20,000 bonus ThankYou® points when you spend $1,500 within 6 months
Bonus points for spend in the following bonus categories:
- The Citi Custom Cash rewards you with 5% cash back on your top spending category each month, on up to $500, from a broad range of selected categories.
- The only credit card to offer 5% on home improvement stores.
- The Citi Custom Cash card pairs well with a Citi Double Cash card, Citi Premier, or both!
Pros
- 5% is the highest possible reward for many of the Custom Cash Card's bonus categories
- No annual fee
- Includes very rare bonus categories, like home improvement stores
Cons
- With the Citi Custom Cash, your 5X earnings are capped at $500 per statement cycle on your top spend category each billing period
- Has a fairly low bonus offer, although not too bad for a no-annual fee credit card
- Charges a foreign transaction fee
If you have a Citi Strata Premier® card or a legacy Citi Prestige card, you can transfer your points to Citi's full range of airline and hotel partners. Other ThankYou points-earning cards can be pooled with your Premier or Prestige to unlock airline and hotel program transfers. We calculate that you can get an average of 1.6 cents per point when redeeming this way. If you have any other Citi ThankYou point cards and do not have a Strata Premier or Prestige, then your ThankYou points are worth 1 cent each.
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.
IHG One Rewards Traveler 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 points after spending $2,000 on purchases within 3 months of account opening.
Bonus points for spend in the following bonus categories:
At IHG brand hotels and resorts booked directly; otherwise earn 2X.
- Despite no annual fee, get IHG Silver Elite and a fourth reward night free on rewards of 4 or more consecutive nights
- Earn bonus points at IHG hotels and resorts, at gas stations, streaming services, and more
- Get solid purchase and travel protections
Pros
- Get a fourth night free on all reward night stays of 4+ nights.
- No annual fee.
- Solid sign up bonus points, especially for a no annual fee card.
Cons
- Doesn't come with a free night award, like the IHG Premier Card
- Complimentary Silver Elite status doesn't offer many perks
IHG, home of hotel brands like Intercontinental and Holiday Inn, generally provide about four tenths of a cent in value, following a 2021 devaluation and move to fully dynamic award pricing. I'll redeem when I can get more than that. While you can transfer from Chase Ultimate Rewards to IHG, you really never should as you are cutting the value in half as they transfer 1:1. There is no cap on any hotel rates in points like with Hilton. If you have an IHG Premier or Business Premier credit card, you'll get the 4th night free on rewards which can add significant value.
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Capital One VentureOne Rewards Credit Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
20,000 miles when you spend $500 within 3 months
Flying Blue rates are variable, so run a search before transferring. When you get lucky, business class from the US to Europe can run as low as just 50,000 Flying Blue miles. That would be just 42,000 Capital One Miles during this promotion!
Flying Blue is the best way to book Virgin Atlantic Upper Class from the US to Europe and beyond, due to the lowest taxes of any way to book Virgin Atlantic. It can also book Delta, KLM, and other SkyTeam members.
Transfers should be instant. Promotion ends 11:59PM Eastern Time on 09/29/2024
Bonus points for spend in the following bonus categories:
Only when booked via the Capital One Travel Portal; otherwise earn 1.25X miles per dollar.
Only when booked via the Capital One Travel Portal; otherwise earn 1.25X miles per dollar.
- Earns valuable Capital One miles with the ability to either redeem for travel at a value of one cent per point, or transfer miles to a wide range of excellent hotel and airline partners.
- 5X miles per dollar on hotels and rental cars booked via the Capital One Travel portal.
- Simple flat-rate earning structure with 1.25X miles per dollar on other eligible purchases.
Pros
- Decent sign-up bonus with no annual fee
- No foreign transaction fees
- Solid array of travel and purchase protections
Cons
- Not as strong travel and purchase protections as the more robust (and expensive) Capital One Venture X Credit Card
- 1.25X per dollar is a fairly weak earning rate compared to the Venture or Venture X Cards
- While the card is simple to use, there is effectively a lack of real bonus categories unlike some of its competitors
It's worth noting that some Capital One cards earn 2 miles per dollar on everything, making the 1.6 cent per mile value an understatement as you'd be earning a 3.2% yield on every day spend. However, this assumes you will learn how to utilize the Capital One airline and hotel transfer partners, most of which transfer 1:1. The minimum value is 1 cent when used to book travel in their portal or to cover previously paid for travel, however, our calculator assumes you will use Capital One's air and hotel transfer partners when calculating a 1.6 cent per point value. We also have a Guide to Capital One Miles.
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Citi 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.
Bonus Offer
Earn 20,000 bonus ThankYou® points after you spend $1,500 in purchases with your card within 3 months of account opening.
Bonus points for spend in the following bonus categories:
- You'll earn 2x Citi ThankYou® points on grocery stores and gas station purchases, up to your first $6,000 in annual spending
- No annual fee card
- All purchases automatically rounds up to the nearest 10 points; plus, you'll get 10% of your points back when you redeem (for up to the first 100,000 points redeemed annually)
Pros
- No annual fee
- Complimentary purchase coverage, including extended warranty and purchase protection on eligible items bought with the card
- Round up feature allows you to earn rewards to the nearest 10 points
Cons
- The bonus 2x rewards on supermarkets and gas stations is limited to a $6,000 annual spending cap, which means that you'll only earn 1x points per dollar afterwards and on other purchases
- The value of redemption options ranges from 0.5 to 1 cent per Citi ThankYou® point (although potentially more if you also have a Citi Premier® card), so you'll want to choose your rewards wisely
- There is a 3% foreign transaction fee
If you have a Citi Strata Premier® card or a legacy Citi Prestige card, you can transfer your points to Citi's full range of airline and hotel partners. Other ThankYou points-earning cards can be pooled with your Premier or Prestige to unlock airline and hotel program transfers. We calculate that you can get an average of 1.6 cents per point when redeeming this way. If you have any other Citi ThankYou point cards and do not have a Strata Premier or Prestige, then your ThankYou points are worth 1 cent each.
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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