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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%
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 more
  • With a $300 annual travel credit and 10,000 miles (worth $100) each year at renewal, the credits you receive are actually worth more than the annual fee.
  • 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.

Balance
transfer fees:
Balance transfers are not available on Venture X Business
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: December 3, 2024
Intro bonus:
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Annual Fee:
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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 $2,000 cash bonus when you spend $30,000 in the first 3 months. Earn an additional $2,000 bonus for every $500,000 spent in the first year.

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! 😉

Balance
transfer fees:
Balance transfers are not available on Spark Cash Plus
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: December 3, 2024
Intro bonus:
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American Express is an Advertising Partner

American Express® Business Gold Card

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(4.3) Our Review

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

Min Credit Score:
Good *
Annual Fee:

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.

Get a 40% transfer bonus when you transfer American Express Membership Rewards to Virgin Atlantic Flying Club.

Offer expires on Dec 31, 2024

KEEP IN MIND: Virgin Flying Club has moved to a dynamic pricing for awards. In some cases we are seeing extreme value like 29,000 point Business Class awards from the US to London. In other cases, the prices have risen dramatically.  Run some searches before transferring.

It’s also worth Virgin Atlantic transfer bonuses are fairly frequent between various programs. See historical transfer bonuses to Virgin Atlantic here. This is the 7th transfer bonus this year from a bank program to Virgin Atlantic. Most bonuses have been at 30%, although one from Chase for 40% just ended.

Best Uses of Virgin Flying Club points:

Two great uses are domestically on Delta within the US or US-Mexico/Canada and for economy flights to/from Europe that are as few as 12,000 miles each way on partners such as KLM or Delta.

Another great use is on ITA Airways to/from Italy for 75,000 miles in Business Class. Surcharges are low; even FCO to JFK has only $55 in fees. (Expect that to end once Lufthansa closes on the ITA acquisition). And if you could actually find a Delta One award FROM Europe to the US, it would be just 50,000 points. Availability is a unicorn. Unfortunately, awards TO Europe on Delta now cost more and have $1,000 + surcharges)

The other, well known, “best use” is to book ANA First and Business class awards:

  • First Class to/from Japan from West Coast: 145,000 points Round Trip
  • First Class to/from Japan from East Coast: 170,000 points Round Trip
  • Business Class to/from Japan from West Coast: 105,000 points Round Trip
  • Business Class to/from Japan from East Coast: 120,000 points Round Trip
Subscribe to Transfer Bonus Notifications
Get a 35% transfer bonus when you transfer American Express Membership Rewards to Marriott Bonvoy.

Offer expires on Dec 31, 2024

We have seen past bonuses from Chase and American Express of up to 70%, so while 35% seems like a large bonus, it’s in the midrange of historical bonuses. (See historical transfer bonuses to Marriott Bonvoy).

This is almost never a good transfer unless you are topping off for an award you are ready to book. Keep in mind that we value a Membership Rewards point at almost 3X the value of a Marriott Bonvoy point.

However, there are always exceptions and you might find a 5 night stay (5th night free) where the transfer makes sense so do the math – but you likely do not want to transfer speculatively unless you are a Bonvoy pro and believe you will exceed value you can get via other Amex partners.

This offer runs through the end of 2024, so no rush to decide.

Subscribe to Transfer Bonus Notifications

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
All Other Eligible Purchases
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: 0 % Intro APR (on purchases for 6 months, 18.74%-27.74% thereafter)
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: December 3, 2024
Intro bonus:
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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

Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

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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 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: 20.74%-26.74% (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: December 3, 2024
Intro bonus:
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Annual Fee:
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Benefits:
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American Express is an Advertising Partner

The Platinum Card® from American Express

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(4.3) Our Review

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

Min Credit Score:
Good *
Annual Fee:

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.

Get a 40% transfer bonus when you transfer American Express Membership Rewards to Virgin Atlantic Flying Club.

Offer expires on Dec 31, 2024

KEEP IN MIND: Virgin Flying Club has moved to a dynamic pricing for awards. In some cases we are seeing extreme value like 29,000 point Business Class awards from the US to London. In other cases, the prices have risen dramatically.  Run some searches before transferring.

It’s also worth Virgin Atlantic transfer bonuses are fairly frequent between various programs. See historical transfer bonuses to Virgin Atlantic here. This is the 7th transfer bonus this year from a bank program to Virgin Atlantic. Most bonuses have been at 30%, although one from Chase for 40% just ended.

Best Uses of Virgin Flying Club points:

Two great uses are domestically on Delta within the US or US-Mexico/Canada and for economy flights to/from Europe that are as few as 12,000 miles each way on partners such as KLM or Delta.

Another great use is on ITA Airways to/from Italy for 75,000 miles in Business Class. Surcharges are low; even FCO to JFK has only $55 in fees. (Expect that to end once Lufthansa closes on the ITA acquisition). And if you could actually find a Delta One award FROM Europe to the US, it would be just 50,000 points. Availability is a unicorn. Unfortunately, awards TO Europe on Delta now cost more and have $1,000 + surcharges)

The other, well known, “best use” is to book ANA First and Business class awards:

  • First Class to/from Japan from West Coast: 145,000 points Round Trip
  • First Class to/from Japan from East Coast: 170,000 points Round Trip
  • Business Class to/from Japan from West Coast: 105,000 points Round Trip
  • Business Class to/from Japan from East Coast: 120,000 points Round Trip
Subscribe to Transfer Bonus Notifications
Get a 35% transfer bonus when you transfer American Express Membership Rewards to Marriott Bonvoy.

Offer expires on Dec 31, 2024

We have seen past bonuses from Chase and American Express of up to 70%, so while 35% seems like a large bonus, it’s in the midrange of historical bonuses. (See historical transfer bonuses to Marriott Bonvoy).

This is almost never a good transfer unless you are topping off for an award you are ready to book. Keep in mind that we value a Membership Rewards point at almost 3X the value of a Marriott Bonvoy point.

However, there are always exceptions and you might find a 5 night stay (5th night free) where the transfer makes sense so do the math – but you likely do not want to transfer speculatively unless you are a Bonvoy pro and believe you will exceed value you can get via other Amex partners.

This offer runs through the end of 2024, so no rush to decide.

Subscribe to Transfer Bonus Notifications

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
All Other Eligible Purchases
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 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.
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: December 3, 2024
Intro bonus:
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Annual Fee:
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Chase Ink Business Unlimited® 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:
Good (670-739) *
Annual Fee:
$0

Bonus Offer

Get $750 in the form of 75,000 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:

1.5 x
Everything Else
Estimated Rewards Value: 1.5%
+
 more
  • 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
Annual Fee: $0
Foreign
Transaction Fee:
3% of each transaction in U.S. dollars
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, 17.99%-23.99% 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: December 3, 2024
Intro bonus:
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Chase Ink Business Cash® 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

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:

5 x
Cable / Internet / VOIP Phone
Estimated Rewards Value: 5%
5 x
Cellular Phone Service
Estimated Rewards Value: 5%
5 x
Office Supplies
Estimated Rewards Value: 5%
2 x
Gas Stations
Estimated Rewards Value: 2%
2 x
Dining Out / Food Delivery
Estimated Rewards Value: 2%
1 x
Everything Else
Estimated Rewards Value: 1%
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  • 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
Annual Fee: $0
Foreign
Transaction Fee:
3% of each transaction in U.S. dollars
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, 17.99%-25.99% thereafter)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: Dave Grossman
Editor: n dev
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: December 3, 2024
Intro bonus:
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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%
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  • Earns 2X Capital One Miles on all purchases
  • No foreign transaction fees
  • Comes with two free airport lounge visits per year (only 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 ($120) / 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: 25.74% (Variable)
Balance
transfer fees:
Balance transfers are not available on Spark 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: December 3, 2024
Intro bonus:
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Notify me of bonus offer changes

Citi Strata 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:
$95

Bonus Offer

For a limited time, earn 75,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com.

Bonus points for spend in the following bonus categories:

3 x
Airfare
Estimated Rewards Value: 4.8%
3 x
Gas Stations
Estimated Rewards Value: 4.8%
3 x
Dining Out / Food Delivery
Estimated Rewards Value: 4.8%
3 x
Hotels
Estimated Rewards Value: 4.8%
3 x
Groceries
Estimated Rewards Value: 4.8%
3 x
EV Charging
Estimated Rewards Value: 4.8%
1 x
Everything Else
Estimated Rewards Value: 1.6%
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 more
  • Earn triple points from five distinct spending categories from air travel and hotels to restaurants, supermarkets, gas stations
  • Take advantage of World Elite Mastercard perks, like Lyft and DoorDash perks and extended warranty protection
  • Citi ThankYou® points are extremely flexible, with the ability to utilize an array of more than 15 airline and two hotel transfer partners to get the most bang for your buck on travel

Pros

  • The $95 annual fee can be completely offset by the $100 hotel credit
  • Redeem Citi ThankYou® points for a variety of travel, including the ability to transfer points to more than 15 airline and hotel programs
  • Trip Protection benefits

Cons

  • Citi ThankYou® points can only be transferred to airline programs (no hotels) and of them, the partners are more obscure international airlines
  • Weaker on travel perks, with no airport lounge access or TSA PreCheck/Global Entry reimbursement
  • No domestic airline transfer partners
Annual Fee: $95
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.01-$0.016

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.

APR: 20.49%-28.49% (Variable)
Balance
transfer fees:
Balance transfer fee applies with this offer; 5% of each balance transfer; $5 minimum.
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: December 3, 2024
Intro bonus:
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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%
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  • 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%-29.74% (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: December 3, 2024
Intro bonus:
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Annual Fee:
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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
$0.01 -
$0.0175
Best Multiplier
5x Airfare
5x Car Rentals
+ 6 more
View Table Image
Annual fee
$0
Point value
$0.01 -
$0.0175
Best Multiplier
1.5x Everything Else
View Table Image
Annual fee
$0
Point value
$0.01 -
$0.0175
Best Multiplier
5x Cable / Internet / VOIP Phone
5x Cellular Phone Service
+ 4 more
View Table Image
Annual fee
$195
Point value
$0.01
Best Multiplier
5x Airfare
5x Cruises
+ 4 more
View Table Image
Annual fee
$95
Point value
$0.016
Best Multiplier
5x Hotels
5x Car Rentals
+ 1 more
View Table Image
Annual fee
$0
Point value
$0.016
Best Multiplier
5x Hotels
5x Car Rentals
+ 1 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
$0
Point value
$0.01 -
$0.0175
Best Multiplier
5x Airfare
5x Car Rentals
+ 4 more
View Table Image
Annual fee
$395
Point value
$0.016
Best Multiplier
10x Car Rentals
10x Hotels
+ 2 more

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