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Capital One Venture X Business

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(4.4) Our Review

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

Min Credit Score:
Excellent (800-850) *
Annual Fee:
$395

Bonus Offer

Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening

Bonus points for spend in the following bonus categories:

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

10 x
Car Rentals
Estimated Rewards Value: 16%

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

10 x
Hotels
Estimated Rewards Value: 16%

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

5 x
Airfare
Estimated Rewards Value: 8%
2 x
Everything Else
Estimated Rewards Value: 3.2%
+
 more
  • With a $300 annual travel credit and 10,000 miles (worth $100) each year at renewal, the credits you receive are actually worth more than the annual fee.
  • Free authorized user cards where the authorized user gets full airport lounge access of their own is unheard of.
  • No Preset Spending Limit; Earns Capital One Miles

Pros

  • The annual fee is more than covered by annual credits
  • Comes with access to Capital One lounges, Priority Pass lounges, Plaza Premium lounges - all with generous guest policies
  • Free authorized users also get the same airport lounge access benefits and Hertz status as the primary card holder
  • No Preset Spending Limit

Cons

  • The annual fee, while effectively negative $5 after credits, can feel like a lot.
  • Aside from bonus points for booking through Capital One travel, there are no bonus categories. Still, all eligible purchases do earn 2X miles per dollar spent which is great.
  • Points don't transfer to any domestic airlines, although you can use other partners to book domestic award tickets on domestic airlines.
Annual Fee: $395
Foreign
Transaction Fee:
0%
Min Credit
Score:
Excellent (800-850) *
Point
Value:
$0.016

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

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

Last Updated: July 22, 2024
Intro bonus:
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Annual Fee:
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Benefits:
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Southwest® Rapid Rewards® 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

Earn up to 120,000 points. Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening and an additional 40,000 points when you spend $15,000 in 9 months.

Bonus points for spend in the following bonus categories:

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

4 x
Airfare
Estimated Rewards Value: 5.6%
2 x
Cable / Internet / VOIP Phone
Estimated Rewards Value: 2.8%
2 x
Cellular Phone Service
Estimated Rewards Value: 2.8%
1 x
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: July 22, 2024
Intro bonus:
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Annual Fee:
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Southwest® Rapid Rewards® Premier Business 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 up to 120,000 points. Earn 60,000 points after you spend $3,000 on purchases in the first 3 months from account opening and an additional 60,000 points when you spend $15,000 in 9 months.

Bonus points for spend in the following bonus categories:

Earn 3X on Southwest flights booked directly; otherwise earn 1X

3 x
Airfare
Estimated Rewards Value: 4.2%
2 x
Transit
Estimated Rewards Value: 2.8%

Only when booked via the Rapid Rewards portal; Otherwise earn 1X.

2 x
Hotels
Estimated Rewards Value: 2.8%

Only when booked via the Rapid Rewards portal; Otherwise earn 1X.

2 x
Car Rentals
Estimated Rewards Value: 2.8%
1 x
Everything Else
Estimated Rewards Value: 1.4%
+
 more
  • Southwest-specific perks like 25% back on inflight purchases and two EarlyBird Check-Ins
  • Ability to spend toward A-List status and the Southwest Companion Pass
  • 6,000 bonus points on every cardmember anniversary

Pros

  • 6,000 bonus points on every cardmember anniversary
  • Southwest-specific perks like 25% back on inflight purchases and two EarlyBird Check-Ins
  • Ability to spend toward A-List status and the Southwest Companion Pass

Cons

  • Lack of business spending rewards categories
  • Better perks and earning rates on the Southwest Performance Business Card
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: July 22, 2024
Intro bonus:
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Notify me of bonus offer changes
American Express is an Advertising Partner

The Platinum Card® from American Express

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(4.3) Our Review

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

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

Bonus Offer

Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Terms apply.

Bonus points for spend in the following bonus categories:

Earn 5x Membership Rewards points on airfare (booked directly with the airline or via AmexTravel.com and on prepaid hotels when booked via AmexTravel.com), up to $500,000 on these purchases per calendar year.

5 x
Airfare
Estimated Rewards Value: 8.5%

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

5 x
Hotels
Estimated Rewards Value: 8.5%
1 x
Everything Else
Estimated Rewards Value: 1.7%
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 more
  • With over $1,800 in available statement credits, this is a premium travel rewards card with benefits galore. (Terms apply.) Note: Aside from the listed bonus categories, earn 1X on all other eligible purchases.
  • The Platinum card hasn't shed its travel roots, but itÔÇÖs expanded beyond to become a lifestyle card with perks like Uber, Saks Fifth Avenue, Equinox, and more. (Enrollment required)
  • Amex Membership Rewards points are extremely flexible, with the option to redeem for travel directly through Amex Travel or transfer to a wide range of airline and hotel partners.

Pros

  • A wide array of travel and lifestyle credits and exclusive access that can enhance your life.
  • There is no better card for the breadth and variety of airport lounge access worldwide. Plus, the Centurion Lounge network is the largest amongst credit card issuers.
  • One of the best cards to earn points on airfare: 5 points per dollar on airfare purchased directly with airlines or through the Amex Travel portal (on up to $500,000 of airfare purchases per calendar year).

Cons

  • High 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: $695
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.017

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

Author: Chris Dong
Editor: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: July 22, 2024
Intro bonus:
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Annual Fee:
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Capital One Spark Miles for Business

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(4.1) Our Review

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

Min Credit Score:
Good (670-739) *
Annual Fee:
$0 Introductory Annual Fee for the first year, then $95

Bonus Offer

Get 50,000 Capital One miles when you spend $4,500 in your first 3 months

Bonus points for spend in the following bonus categories:

Earn 5X miles on hotels and rental cars booked through Capital One Travel. Otherwise, your travel purchase will earn 2X miles.

5 x
Car Rentals
Estimated Rewards Value: 8%

Earn 5X miles on hotels and rental cars booked through Capital One Travel. Otherwise, your travel purchase will earn 2X miles.

5 x
Hotels
Estimated Rewards Value: 8%
2 x
Everything Else
Estimated Rewards Value: 3.2%
+
 more
  • Earns 2X Capital One Miles on all purchases
  • No foreign transaction fees
  • Comes with two free airport lounge visits per year (until Dec. 31, 2024)

Pros

  • Two free airport lounge visits per year (until Dec 31, 2024)
  • Earns 2X Capital One Miles on all purchases
  • Global Entry ($100) / TSA PreCheck ($85) Reimbursement every four years

Cons

  • $95 annual fee after the first year
  • Can only use the miles towards travel. There is no way to convert miles to cash
  • Lacks unlimited airport lounge visits (capped at 2 free visits per year)
Annual Fee: $0 Introductory Annual Fee for the first year, then $95
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.016

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

APR: 26.24% (Variable)
Balance
transfer fees:
$0 at the Transfer APR
Author: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: July 22, 2024
Intro bonus:
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Annual Fee:
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Capital One Venture X Credit Card

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(4.4) Our Review

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

Min Credit Score:
Excellent (800-850) *
Annual Fee:
$395

Bonus Offer

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

Bonus points for spend in the following bonus categories:

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

10 x
Car Rentals
Estimated Rewards Value: 16%

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

10 x
Hotels
Estimated Rewards Value: 16%

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

5 x
Airfare
Estimated Rewards Value: 8%
2 x
Everything Else
Estimated Rewards Value: 3.2%
+
 more
  • With a $300 annual travel credit and 10,000 miles (worth $100) each year at renewal, the credits you receive are actually worth more than the annual fee.
  • Free authorized user cards where the authorized user gets full airport lounge access of their own is unheard of.
  • Capital One Miles are extremely flexible, with the option to redeem for travel at a value of one cent per point, or transfer to a wide range of excellent air and hotel partners.

Pros

  • The annual fee is more than covered by annual credits
  • Comes with access to Capital One lounges, Priority Pass lounges, Plaza Premium lounges - all with generous guest policies
  • Free authorized users also get the same airport lounge access benefits and Hertz status as the primary card holder

Cons

  • The annual fee, while effectively negative $5 after credits, can feel like a lot.
  • Aside from bonus points for booking through Capital One travel, there are no bonus categories. Still, all eligible purchases do earn 2X miles per dollar spent which is great.
  • Points don't transfer to any domestic airlines, although you can use other partners to book domestic award tickets on domestic airlines.
Annual Fee: $395
Foreign
Transaction Fee:
0%
Min Credit
Score:
Excellent (800-850) *
Point
Value:
$0.016

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

APR: 19.99%-29.99% (Variable)
Balance
transfer fees:
Balance Transfer Fee applies to balances transferred at a promotional rate
Author: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: July 22, 2024
Intro bonus:
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IHG One Rewards Premier Credit Card

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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:
$99

Bonus Offer

Earn 5 Free Nights (each worth up to 60,000 points) after spending $4,000 on purchases in the first 3 months from account opening.

Bonus points for spend in the following bonus categories:

10 points per dollar at eligible IHG hotels worldwide; 5X points per dollar on any other hotel purchases.

10 x
Hotels
Estimated Rewards Value: 4%
5 x
Airfare
Estimated Rewards Value: 2%
5 x
Transit
Estimated Rewards Value: 2%
5 x
Car Rentals
Estimated Rewards Value: 2%
5 x
Gas Stations
Estimated Rewards Value: 2%
5 x
Dining Out / Food Delivery
Estimated Rewards Value: 2%
3 x
Everything Else
Estimated Rewards Value: 1.2%
+
 more
  • Get discounts on IHG points purchases, Platinum Elite status, and a fourth night free on rewards stays
  • The annual free night award (at renewal) alone can justify the annual fee.
  • Includes other travel perks like Global Entry, United TravelBank Cash, and travel protections.

Pros

  • Get Platinum Elite status, a fourth night free, and a free night certificate each account anniversary year.
  • Score other travel perks like United credits and Global Entry, TSA PreCheck, or a NEXUS statement credit.
  • Earn bonus points at IHG Hotels, and on travel, gas stations, and dining.

Cons

  • Low IHG point value means a limited return on spending.
  • Eligibility is limited to those who meet Chase 5/24 requirements.
Annual Fee: $99
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.004

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.

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: July 22, 2024
Intro bonus:
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Annual Fee:
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Chase Ink Business Preferred® 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

Limited Time Offer: Earn 120,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

Get a 80% transfer bonus when you transfer Chase Ultimate Rewards to IHG One Rewards.

Offer expires on Jul 31, 2024

Get 1,800 IHG Rewards Points for every 1,000 Chase Ultimate Rewards points when you transfer by July 31st, 2024.

Do some sample searches before considering this bonus as we value an IHG point around 0.4 cents and a Chase point around 1.75 cents making the math here hard to justify. itÔÇÖs a bit better if you have an IHG Premier or IHG Business Premier credit card which gives the 4th night free on awards.

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Get a 20% transfer bonus when you transfer Chase Ultimate Rewards to Air Canada Aeroplan.

Offer expires on Jul 31, 2024

No fuel surcharges; just a $39CAD booking fee. Lap infant just $25CAD. Can book Etihad and Emirates as well as Star Alliance flights. Add a stopover for just 5,000 miles!

Subscribe to Transfer Bonus Notifications

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.

3 x
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.

3 x
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.

3 x
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.

3 x
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.

3 x
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.

3 x
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.

3 x
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.

3 x
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.

3 x
Cruises
Estimated Rewards Value: 5.25%
1 x
Everything Else
Estimated Rewards Value: 1.75%
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  • 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: July 22, 2024
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Capital One Spark Cash Plus

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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:
Excellent (800-850) *
Annual Fee:
$150

Bonus Offer

Earn a one-time cash bonus of $1,200 once you spend $30,000 in the first 3 months

Bonus points for spend in the following bonus categories:

Only when booked via Capital One Travel; Otherwise earn 1X.

5 x
Car Rentals
Estimated Rewards Value: 5%

Only when booked via Capital One Travel; Otherwise earn 1X.

5 x
Hotels
Estimated Rewards Value: 5%
2 x
Everything Else
Estimated Rewards Value: 2%
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 more
  • No preset spend limit as a charge card
  • Easy 2% cash back on all purchases; no bonus category restrictions
  • No foreign transaction fees

Pros

  • With no preset spending limit, the Capital One Spark Cash Plus is a perfect business card for businesses with a high amount of monthly spend.
  • You'll never pay any foreign transaction fees.
  • 2% cashback on all purchases.

Cons

  • The $150 annual fee may be high if you aren't going to put significant spend on this card.
  • There are no bonus categories other than car rentals and hotels via the Capital One Travel portal.
  • Does not have a full range of trip protections or purchase protections, although it does offer Extended Warranty coverage.
Annual Fee: $150
Foreign
Transaction Fee:
0%
Min Credit
Score:
Excellent (800-850) *
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! ­čśë

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: July 22, 2024
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Notify me of bonus offer changes
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 (670-739) *
Annual Fee:

Bonus Offer

Earn 70,000 Membership Rewards points when you spend $10,000 within first 3 months. 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

4 x
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

4 x
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

4 x
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

4 x
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

4 x
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

4 x
Transit
Estimated Rewards Value: 6.8%

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

3 x
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

3 x
Hotels
Estimated Rewards Value: 5.1%
1 x
Everything Else
Estimated Rewards Value: 1.7%
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  • 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 (670-739) *
Point
Value:
$0.017

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

APR: 19.49%-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: July 22, 2024
Intro bonus:
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View Table Image
Annual fee
$95
Point value
$0.01 -
$0.0175
Best Multiplier
3x Airfare
3x Transit
+ 8 more
View Table Image
Annual fee
$95
Point value
$0.017
Best Multiplier
3x Airfare
2x Gas Stations
+ 5 more
View Table Image
Annual fee
$550
Point value
$0.01 -
$0.0175
Best Multiplier
10x Car Rentals
10x Hotels
+ 5 more
View Table Image
Annual fee
$95
Point value
$0.01 -
$0.0175
Best Multiplier
5x Airfare
5x Car Rentals
+ 6 more
View Table Image
Annual fee
$0
Point value
Best Multiplier
View Table Image
Annual fee
$95
Point value
Best Multiplier
View Table Image
Annual fee
$0
Point value
Best Multiplier
View Table Image
Annual fee
$150
Point value
$0.005
Best Multiplier
12x Hotels
6x Gas Stations
+ 4 more
View Table Image
Annual fee
$0
Point value
$0.012
Best Multiplier
2x Airfare
2x Dining Out / Food Delivery
+ 1 more
View Table Image
Annual fee
$650
Point value
$0.012
Best Multiplier
3x Airfare
1x Everything Else

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