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Capital One Venture X Business
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Earn 150,000 bonus 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.
Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.
Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.
- 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.
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.
The Business Platinum Card® from American Express
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
120,000 Membership Rewards points when you spend $15,000 within 3 months. Terms apply.
Bonus points for spend in the following bonus categories:
Must be booked via Amex Travel to earn 5X; otherwise earn 1X
Must be booked via Amex Travel to earn 5X; otherwise earn 1X
- With an array of both luxury travel perks and small business benefits, this is the ultimate premium card for high-spenders.
- Generous protections when using the card to make purchases that provide genuine peace of mind.
- Amex Membership Rewards points are extremely valuable, especially for their ability to be transferred to hotel and airline partners.
Pros
- Robust 5x Membership Rewards on flights and prepaid hotels at Amex Travel
- Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection including Centurion Lounges, Priority Pass Select membership, and more.
- More than $1,500 in statement credits that can help your small business and travel- Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers. (Terms apply.)
Cons
- High annual fee of $695
- While there are variety of generous statement credits, they are mostly specific to certain merchants: Dell, Adobe, Indeed, etc.
- Airline fee credit does not cover airfare, only incidentals like checked baggage fees or other incidentals.
Instant Transfers as well as solid transfer partners. The value would go up if they had any hotel partners with a fair exchange rate. ANA (an exception to instant transfers), Virgin, Air Canada and Avianca are top airline partners for maximizing your points. They can also transfer to Delta if you wish and while the rates aren't ideal, they can transfer to Marriott and Hilton as well. ANA provides almost unbeatable value for booking a Round the World flight all in Business Class. The stated value also assumes you will take advantage of transfer partners rather than book via their booking portal, where they are only worth between 1 and 1.5 cents. We've also created a Guide to American Express Membership Rewards.
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Marriott Bonvoy Boundless® 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
There is no bonus offer at this time
Bonus points for spend in the following bonus categories:
Earn 6X when you book Marriott Bonvoy properties direct. Earn 2X on all other hotel bookings.
- Earn a free night award every year worth up to 35,000 Marriott Bonvoy points
- Earn an outstanding 6X points per dollar for stays at Marriott Bonvoy hotels and resorts.
- Automatic Marriott Bonvoy Silver elite status, with a pathway to Gold status every year by spending $35,000+ on the card
Pros
- The annual free night award on the card is worth around $210 based on our estimations - more than double the $95 annual fee
- The card is especially rewarding on Marriott purchases, with the ability to earn an excellent 6X multiplier at Marriott Bonvoy properties
- Great travel card all around, thanks to travel protections and no foreign transaction fees
Cons
- $95 annual fee
- Silver elite status doesn't provide many perks on its own, so it's worth it to achieve Gold status or upgrade to a higher-tier Marriott Bonvoy credit card
- Only earns 2x Marriott Bonvoy points per dollar after reaching the $6,000 cap on combined purchases on grocery stores, gas stations and dining
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.
The Platinum Card® from American Express
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Terms apply.
Bonus points for spend in the following bonus categories:
Earn 5x Membership Rewards points on airfare (booked directly with the airline or via AmexTravel.com and on prepaid hotels when booked via AmexTravel.com), up to $500,000 on these purchases per calendar year.
Only when booked via AmexTravel.com; Otherwise, hotels will earn 1X points per dollar spent
- With over $1,800 in available statement credits, this is a premium travel rewards card with benefits galore. (Terms apply.) Note: Aside from the listed bonus categories, earn 1X on all other eligible purchases.
- The Platinum card hasn't shed its travel roots, but it’s expanded beyond to become a lifestyle card with perks like Uber, Saks Fifth Avenue, Equinox, and more. (Enrollment required)
- Amex Membership Rewards points are extremely flexible, with the option to redeem for travel directly through Amex Travel or transfer to a wide range of airline and hotel partners.
Pros
- A wide array of travel and lifestyle credits and exclusive access that can enhance your life.
- There is no better card for the breadth and variety of airport lounge access worldwide. Plus, the Centurion Lounge network is the largest amongst credit card issuers.
- One of the best cards to earn points on airfare: 5 points per dollar on airfare purchased directly with airlines or through the Amex Travel portal (on up to $500,000 of airfare purchases per calendar year).
Cons
- High annual fee that will require a bit of work to fully maximize.
- Besides airfare and select hotels, it's not the best card to use for other purchases as it only earns 1X on categories outside of flights booked directly with the airlines (5X) or through the Amex Travel portal (5X on up to $500,000 of airfare purchases per calendar year) and 5X points for prepaid hotels booked with Amex Travel.
- Car rental insurance is only secondary, not primary as it is with premium cards from Chase and Capital One.
Instant Transfers as well as solid transfer partners. The value would go up if they had any hotel partners with a fair exchange rate. ANA (an exception to instant transfers), Virgin, Air Canada and Avianca are top airline partners for maximizing your points. They can also transfer to Delta if you wish and while the rates aren't ideal, they can transfer to Marriott and Hilton as well. ANA provides almost unbeatable value for booking a Round the World flight all in Business Class. The stated value also assumes you will take advantage of transfer partners rather than book via their booking portal, where they are only worth between 1 and 1.5 cents. We've also created a Guide to American Express Membership Rewards.
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Capital One Spark Miles for Business
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 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.
Earn 5X miles on hotels and rental cars booked through Capital One Travel. Otherwise, your travel purchase will earn 2X miles.
- 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)
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.
Capital One Venture X 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 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.
Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.
Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.
- 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.
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.
Capital One Venture 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
75,000 bonus Miles when you spend $4,000 within your first 3 months
Bonus points for spend in the following bonus categories:
- Simple (and strong) flat-rate earning structure with 2X miles per dollar spent on almost all purchases.
- Relatively modest $95 annual fee, especially considering how valuable Capital One Miles can be 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.
- Up to $100 statement credit to offset Global Entry or TSA PreCheck application fees and no foreign transaction fees.
Pros
- Great sign-up bonus
- Comes with two complimentary visits to Capital One lounges, Priority Pass lounges, or Plaza Premium lounges (Until Dec 31, 2024)
- Hertz Five Star elite status
Cons
- Not as strong travel protections as the more robust Capital One Venture X Credit Card
- Only two free entries to airport lounges (until Dec 31, 2024), access thereafter is $45 per visit. (The Venture X has unlimited visits)
- While the card is simple to use, there is effectively a lack of real bonus categories. Still, 2X miles on almost all purchases are solid
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.
Capital One Spark Cash Plus
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 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:
- 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.
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.
United℠ Business Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Earn 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Offer ends April 3, 2024.
Bonus points for spend in the following bonus categories:
- Earn up to 2x United miles on select bonus categories and PQPs to help you qualify for the next level of Premier elite status
- Free first checked bag benefit, worth $70 for every round-trip United Airlines flight you take
- Elevate your United flights with two annual United Club certificates, 25% savings on inflight purchases, and priority boarding for you and your companions on the same booking
Pros
- United travel perks, such as your first checked bag free, priority boarding privileges, two annual United Club passes and more
- Earn PQPs towards elite status
- Great travel and purchase protections that can help your business save when things don't go as planned
Cons
- The annual fee is $99 after the first year
- Only provides two United Club passes per year
- Subpar earning rate, as you can only earn up to 2x bonus miles on eligible categories
They have a similar network to AA in terms of reach via the Star Alliance and also (unlike Delta) allow for booking First Class international awards in the Star Alliance network, but they charge noticeably more for Partner Awards and the rates keep (stealthily) rising. United partner Lufthansa tends to have good availability to Europe making it somewhat easier to use to Europe than American, which relies heavily on British Airways and BA charges incredibly steep surcharges on those awards.
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
American Express® Business Gold Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Earn 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
Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000
Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000
Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000
Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000
Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000
3X Membership Rewards Points on Flights and Prepaid Hotels Booked at AmexTravel.com; Otherwise 1X
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card; 1X otherwise
- Amazing Membership Rewards points earning rate for 6 popular business spending categories
- No Preset Spending Limit
- Card membership includes the very well regarded American Express customer service
Pros
- You can't beat the 4X points on 2 out of the following 6 categories each month: U.S. advertising and media, U.S. gas stations, U.S. electronic goods retailers and software & cloud system providers, U.S. restaurants, U.S. wireless telephone service providers, and U.S. Transit
- Although the annual fee seems high, if you max out the 4X on $150,000 in purchases, that earns you 600,000 Membership Rewards points which Your Best Credit Cards values at around $10,000
- Card membership includes the very well regarded American Express customer service
Cons
- The high annual fee, despite being worth it for high spenders
- If you spend well over $150,000 a year in these categories, you may max it out and remaining spend earns at just 1X.
- Car rental CDW coverage is secondary to your own auto insurance
Instant Transfers as well as solid transfer partners. The value would go up if they had any hotel partners with a fair exchange rate. ANA (an exception to instant transfers), Virgin, Air Canada and Avianca are top airline partners for maximizing your points. They can also transfer to Delta if you wish and while the rates aren't ideal, they can transfer to Marriott and Hilton as well. ANA provides almost unbeatable value for booking a Round the World flight all in Business Class. The stated value also assumes you will take advantage of transfer partners rather than book via their booking portal, where they are only worth between 1 and 1.5 cents. We've also created a Guide to American Express Membership Rewards.
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.