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American Express is an Advertising Partner

The Blue Business® Plus Credit 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 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. Terms Apply.

Bonus points for spend in the following bonus categories:

2x
Airfare
Estimated Rewards Value: 3.4%
2x
Transit
Estimated Rewards Value: 3.4%
2x
Car Rentals
Estimated Rewards Value: 3.4%
2x
Cable / Internet / VOIP Phone
Estimated Rewards Value: 3.4%
2x
Costco
Estimated Rewards Value: 3.4%
2x
Gas Stations
Estimated Rewards Value: 3.4%
2x
Cellular Phone Service
Estimated Rewards Value: 3.4%
2x
Dining Out / Food Delivery
Estimated Rewards Value: 3.4%
2x
Hotels
Estimated Rewards Value: 3.4%
2x
Lyft
Estimated Rewards Value: 3.4%
2x
Office Supplies
Estimated Rewards Value: 3.4%
2x
Shipping
Estimated Rewards Value: 3.4%
2x
Single Charges over $5,000
Estimated Rewards Value: 3.4%
2x
Groceries
Estimated Rewards Value: 3.4%
2x
Cruises
Estimated Rewards Value: 3.4%
2x
Drugstores
Estimated Rewards Value: 3.4%
2x
Streaming Services
Estimated Rewards Value: 3.4%
2x
Gym Memberships
Estimated Rewards Value: 3.4%
2x
Advertising (Online / TV / Radio)
Estimated Rewards Value: 3.4%
2x
Entertainment (Concerts / Shows / Movies)
Estimated Rewards Value: 3.4%
2x
Advertising on Search Engines and Social Media
Estimated Rewards Value: 3.4%
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 more
  • 2x points rewards rate on all eligible purchases (up to the first $50,000 spent per calendar year)
  • No annual fee; plus, add employee cards for no additional cost
  • Business expense management tools and expanded buying power ability

Pros

  • No annual fee, making the Blue Business Plus a great starter card for new or small business owners
  • Earn 2x Membership Rewards points on purchases (capped at the first $50,000 in a year)
  • Business expense management tools and expanded buying power ability

Cons

  • The 2x earning rate is capped at $50,000 per year
  • Charges a foreign transaction fee
Annual Fee: $0
Foreign
Transaction Fee:
2.7% of each transaction after conversion to US dollars.
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 12 months, 18.49%-26.49% thereafter)
Author: Stella Shon
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: March 19, 2024
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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Citi Custom Cash℠ 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:
Fair (580-669) *
Annual Fee:
$0

Bonus Offer

$200 in the form of 20,000 bonus ThankYou® points when you spend $1,500 within 6 months

Bonus points for spend in the following bonus categories:

5x
Airfare
Estimated Rewards Value: 5%
5x
Transit
Estimated Rewards Value: 5%
5x
Car Rentals
Estimated Rewards Value: 5%
5x
Gas Stations
Estimated Rewards Value: 5%
5x
Dining Out / Food Delivery
Estimated Rewards Value: 5%
5x
Hotels
Estimated Rewards Value: 5%
5x
Gym Memberships
Estimated Rewards Value: 5%
5x
Streaming Services
Estimated Rewards Value: 5%
5x
Drugstores
Estimated Rewards Value: 5%
5x
Entertainment (Concerts / Shows / Movies)
Estimated Rewards Value: 5%
5x
Groceries
Estimated Rewards Value: 5%
1x
Everything Else
Estimated Rewards Value: 1%
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 more
  • The Citi Custom Cash rewards you with 5% cash back on your top spending category each month, on up to $500, from a broad range of selected categories.
  • The only credit card to offer 5% on home improvement stores.
  • The Citi Custom Cash card pairs well with a Citi Double Cash card, Citi Premier, or both!

Pros

  • 5% is the highest possible reward for many of the Custom Cash Card's bonus categories
  • No annual fee
  • Includes very rare bonus categories, like home improvement stores

Cons

  • With the Citi Custom Cash, your 5X earnings are capped at $500 per statement cycle on your top spend category each billing period
  • Has a fairly low bonus offer, although not too bad for a no-annual fee credit card
  • Charges a foreign transaction fee
Annual Fee: $0
Foreign
Transaction Fee:
3%
Min Credit
Score:
Fair (580-669) *
Point
Value:
$0.01-$0.016

If you have a Citi 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 Premier or Prestige, then your ThankYou points are worth 1 cent each.

APR: 0 % Intro APR (on purchases for 15 months, 19.24%-29.24% thereafter)
APR: 0% Intro APR (on balance transfers for 15 months, 19.24%-29.24% thereafter)
Balance
transfer fees:
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
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: March 19, 2024
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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Capital One SavorOne Cash Rewards Credit Card

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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

Bonus Offer

Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

Bonus points for spend in the following bonus categories:

Only earns 5% when booked via Capital One Travel; else 1%

5x
Car Rentals
Estimated Rewards Value: 5%

Only earns 5% when booked via Capital One Travel; else 1%

5x
Hotels
Estimated Rewards Value: 5%
3x
Dining Out / Food Delivery
Estimated Rewards Value: 3%
3x
Streaming Services
Estimated Rewards Value: 3%
3x
Entertainment (Concerts / Shows / Movies)
Estimated Rewards Value: 3%
3x
Groceries
Estimated Rewards Value: 3%
1x
Everything Else
Estimated Rewards Value: 1%
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 more
  • No annual fee
  • Earn 3% cash rewards on popular categories
  • No foreign transaction fee

Pros

  • No annual fee
  • Earns 3% back on dining and at grocery stores
  • Excellent Intro 0% APR offers

Cons

  • Only earns 1% cash back on non-bonus categories
  • Does not come with any fancy benefits like airport lounge access
  • Must book via Capital One Travel to get 5% cash back on hotels and rental cars
Annual Fee: $0
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
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! 😉

APR: 0 % Intro APR (on purchases for 15 months, 19.99%-29.99% thereafter)
APR: 0% Intro APR (on balance transfers for 15 months, 19.99%-29.99% thereafter)
Balance
transfer fees:
Balance transfer fee applies
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: March 19, 2024
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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Notify me of bonus offer changes
American Express is an Advertising Partner

The American Express Blue Business Cash™ Card

YBCC Card Rate Stars Filled
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(3.8) 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:

Bonus Offer

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.

Bonus points for spend in the following bonus categories:

2x
Airfare
Estimated Rewards Value: 2%
2x
Transit
Estimated Rewards Value: 2%
2x
Car Rentals
Estimated Rewards Value: 2%
2x
Cable / Internet / VOIP Phone
Estimated Rewards Value: 2%
2x
Costco
Estimated Rewards Value: 2%
2x
Gas Stations
Estimated Rewards Value: 2%
2x
Cellular Phone Service
Estimated Rewards Value: 2%
2x
Dining Out / Food Delivery
Estimated Rewards Value: 2%
2x
Hotels
Estimated Rewards Value: 2%
2x
Lyft
Estimated Rewards Value: 2%
2x
Office Supplies
Estimated Rewards Value: 2%
2x
Shipping
Estimated Rewards Value: 2%
2x
Single Charges over $5,000
Estimated Rewards Value: 2%
2x
Groceries
Estimated Rewards Value: 2%
2x
Cruises
Estimated Rewards Value: 2%
2x
Drugstores
Estimated Rewards Value: 2%
2x
Streaming Services
Estimated Rewards Value: 2%
2x
Gym Memberships
Estimated Rewards Value: 2%
2x
Advertising (Online / TV / Radio)
Estimated Rewards Value: 2%
2x
Entertainment (Concerts / Shows / Movies)
Estimated Rewards Value: 2%
2x
Advertising on Search Engines and Social Media
Estimated Rewards Value: 2%
2x
U.S. Electronic Goods Retailers / Software / Cloud System Providers
Estimated Rewards Value: 2%
1x
Everything Else
Estimated Rewards Value: 1%
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 more
  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.
  • Offers Extended Warranty, Purchase Protection
  • No annual fee

Pros

  • If you like simple, this card offers that with 2% cash back and no bonus categories to keep track of
  • No annual fee
  • Comes with Extended Warranty, Purchase Protection, and Secondary Collission Damage Waiver on rental cars.

Cons

  • No bonus categories means no way to multiply your earnings
  • Foreign transaction fees apply if you use the card abroad
  • Does not have nearly as many Amex benefits as its fee-based cards
Annual Fee: $0
Foreign
Transaction Fee:
2.7% of each transaction after conversion to US dollars.
Min Credit
Score:
Good (670-739) *
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! 😉

APR: 0 % Intro APR (on purchases for 12 months, 18.49%-26.49% 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: March 19, 2024
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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View Table Image
Annual fee
$0
Point value
$0.01
Best Multiplier
5x Lyft
1.5x Everything Else
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
View Table Image
Annual fee
$350
Point value
$0.012
Best Multiplier
3x Airfare
3x Hotels
+ 4 more
View Table Image
Annual fee
$350
Point value
$0.012
Best Multiplier
3x Airfare
3x Hotels
+ 3 more
View Table Image
Annual fee
$0
Point value
$0.012
Best Multiplier
2x Shipping
2x Advertising (Online / TV / Radio)
+ 3 more
View Table Image
Annual fee
$650
Point value
$0.012
Best Multiplier
3x Airfare
1.5x Transit
+ 3 more
View Table Image
Annual fee
$0
Point value
$0.012
Best Multiplier
2x Airfare
2x Dining Out / Food Delivery
+ 2 more
View Table Image
Annual fee
$250
Point value
$0.012
Best Multiplier
3x Airfare
2x Transit
+ 5 more

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