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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.
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 $695 annual fee (Rates and Fees) 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.
Delta SkyMiles® Reserve Business American Express 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
Limited Time Offer: Earn 110,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 3/27/24. Terms Apply.
Bonus points for spend in the following bonus categories:
Multiplier only applies to flights booked on Delta, otherwise earn 1X
U.S. Shipping only
U.S. office supply stores only
- Earn MQDs towards Medallion Status bya spend ($1 MQD per $10 spent) and get 2,500 MQDs per year just for having the card!
- Frequent Delta flyer perks like first free checked bag, Main Cabin 1 boarding, priority upgrades, and access to complimentary upgrades even for non-Medallion members
- Companion certificate that you'll receive every year upon card membership renewal, and it's even valid for First Class on domestic, Caribbean, or Central American roundtrip flights
Pros
- Delta Sky Club access when you're flying the same-day with Delta (Visit limits apply beginning in 2025)
- Companion certificate that you'll receive every year upon card membership renewal, and it's even valid for First Class on domestic, Caribbean, or Central American roundtrip flights
- Ability to spend your way towards Delta Medallion status with $1 MQD per $10 spent on the card.
Cons
- $650 annual fee
- Lounge access is limited to the primary cardholder, unless you're willing to pay a $50 per-person rate for up to two guests at Delta Sky Clubs
- Limited bonus categories for spend
Delta uses a fully dynamic pricing model on most awards, with the program aiming to offer you about 1.1 to 1.2 cents per point. However, you can still occasionally get much more value, especially during SkyMiles Flash Sales. Note that while you can book SkyTeam alliance flights with Delta SkyMiles, you cannot book international First Class on any SkyMiles partner.
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.
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.
Delta SkyMiles® Platinum Business American Express Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Limited Time Offer: Earn 100,000 Bonus Miles after spending $8,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 3/27/24. Terms Apply.
Bonus points for spend in the following bonus categories:
Multiplier only applies to flights booked on Delta, otherwise earn 1X
(Aggregate limit of $100,000 across the categories of U.S. Shipping, Transit, and Charges of $5,000 or more - 1X thereafter)
(Aggregate limit of $100,000 across the categories of U.S. Shipping, Transit, and Charges of $5,000 or more - 1X thereafter)
U.S. shipping only (Aggregate limit of $100,000 across the categories of U.S. Shipping, Transit, and Charges of $5,000 or more - 1X thereafter)
- Get $2,500 MQDs each year just for having the card! Plus earn 1 MQD per $20 spent on eligible purchases
- Frequent Delta flyers will appreciate the first free checked bag and Main Cabin 1 priority boarding benefits
- Earn an annual companion certificate upon account renewal, valid for roundtrip domestic flights on Delta
Pros
- Earn Medallion status faster
- Receive an annual companion certificate that can be worth way more than the $350 annual fee
- Get a Global Entry/TSA PreCheck fee credit once every 4-4.5 years
Cons
- $350 annual fee
- Delta Sky Club access no longer a benefit of the card
- Earns less MQDs per dollar than the higher level Delta Business Reserve card
Delta uses a fully dynamic pricing model on most awards, with the program aiming to offer you about 1.1 to 1.2 cents per point. However, you can still occasionally get much more value, especially during SkyMiles Flash Sales. Note that while you can book SkyTeam alliance flights with Delta SkyMiles, you cannot book international First Class on any SkyMiles partner.
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.
Delta SkyMiles® Reserve American Express Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Earn 100,000 Bonus Miles after you spend $6,000 in purchases on your new Card in your first 6 months.
Bonus points for spend in the following bonus categories:
- Enter Delta Sky Club® at no cost and bring up to two guests or immediate family at a rate of $50 per person per visit. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
- Receive an annual companion certificate (valid for up to domestic first class!) upon card renewal, potentially saving you hundreds of dollars on Delta flights
- Earn MQDs towards Delta Medallion Status via spend on your Card and get $2,500 MQDs per year just for having the card!
Pros
- Enter the Delta Sky Club before or after your Delta flights
- Earn $1 MQD for every $10 spent on the card (eligible purchases)
- Advantageous perks for Delta frequent flyers, such as a free checked bag and upgrade priority
Cons
- $650 annual fee is steep, no matter how you slice or dice it
- Earning rate is limited to 3x miles on Delta purchases and 1x miles on all other eligible purchases
- Requires a significant amount of annual card spend to reach significant MQDs
Delta uses a fully dynamic pricing model on most awards, with the program aiming to offer you about 1.1 to 1.2 cents per point. However, you can still occasionally get much more value, especially during SkyMiles Flash Sales. Note that while you can book SkyTeam alliance flights with Delta SkyMiles, you cannot book international First Class on any SkyMiles partner.
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.
Southwest® Rapid Rewards® Performance Business Credit Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Get 80,000 Bonus Rapid Rewards points when you spend $5,000 in your first 3 months.
Bonus points for spend in the following bonus categories:
Applies only to Southwest Airlines booked directly with Southwest; Otherwise earn 1X
- 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
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.
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.