Capital One Quicksilver Cash Rewards Credit Card

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Capital One Quicksilver Cash Rewards Credit Card

(3.8) Our Review

Annual Fee:

$0

🎁 Bonus offer

Earn $200 Cash Back after you spend $500 on purchases within 3 months from account opening

Earn 1.5% cash back on all purchases
No foreign transaction fees
No annual fee

Earn 1.5% cash back on all purchases
No foreign transaction fees
No annual fee

Pros

An easy 1.5% cash back on all purchases
No foreign transaction fees
No annual Fee

Cons

No bonus categories outside of using Capital One portals for hotels, vacation rentals, and car rentals
Lacks a wide range of travel or shopping protections
1.5% is not the highest cash back offering on the market

Annual Fee: $0

Foreign Transaction Fee: 0%

Min Credit Score: Good (670-739) *

Point Value:

$0.01

APR on Purchases: 0 % Intro APR (on purchases for 15 months, 18.49%-28.49% thereafter)

APR on Balance Transfers: 0% Intro APR (on balance transfers for 15 months, 18.49%-28.49% thereafter)

Balance transfer fees: Balance transfer fee applies

1.5x-5x
Car Rentals

Earn 5X only when booked via the Capital One Travel Portal; otherwise earn 1.5% cash back
1.5x-5x
Hotels

Includes vacation rentals; Earn 5X only when booked via the Capital One Travel Portal; otherwise earn 1.5% cash back
1.5x
Everything Else

Chase Sapphire Preferred® Card

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Chase Sapphire Preferred® Card

(4.05) Our Review

Annual Fee:

$95

🎁 Bonus offer

Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

Earns valuable and highly flexible Chase Ultimate Rewards points
Extensive travel protections — including lost luggage insurance, emergency evacuation, and a collision damage waiver on rental cars, primary in most states.
3X points on dining means you can rack up points quickly!

Earns valuable and highly flexible Chase Ultimate Rewards points
Extensive travel protections — including lost luggage insurance, emergency evacuation, and a collision damage waiver on rental cars, primary in most states.
3X points on dining means you can rack up points quickly!

Pros

You can more than offset the annual fee by more than half with the $100 annual credit on hotel stays purchased through Chase Travel℠
Earns valuable and highly flexible Chase Ultimate Rewards points.
Extensive travel protections — including lost luggage insurance, emergency evacuation, and a collision damage waiver on rental cars, primary in most states.

Cons

A low earning rate of 1x point per dollar on other purchases keeps it from being an ideal everyday spending card.
High credit scores required for account opening.
Lack of additional travel benefits, though it now has a Global Entry application fee credit and Emergency Evacuation coverage.

Annual Fee: $95

Foreign Transaction Fee: 0%

Min Credit Score: Good (670-739) *

Point Value:

$0.01-$0.0175

APR: 19.24%-27.49% (Variable)

Balance transfer fees: Either $5 or 5% of the amount of each transfer, whichever is greater.

3x
Dining Out / Food Delivery
3x
Streaming Services
3x
Gas Stations
3x
EV Charging
2x-5x
Airfare

Earn the higher multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.
2x
Transit
2x-5x
Car Rentals

Earn the higher multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.
2x-5x
Hotels

Earn the higher multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points. 3X Points on Vacation Rentals Bookings through Airbnb, Vrbo, Plum Guide, HomeAway, Homestay.com, and Vacasa now earn 3X points.
2x-3x
Cruises

Earn the higher multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.
1x
Everything Else

Chase Sapphire Reserve®

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Chase Sapphire Reserve®

(4.5) Our Review

Annual Fee:

$795

🎁 Bonus offer

Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.

Earns extremely valuable Chase Ultimate Rewards points
Chase Sapphire Lounge by the Club and Priority Pass Select airport lounge access for you and 2 guests, including Priority Pass Experiences
The potential for more than $3,000 in annual value in benefits and statement credits.

Earns extremely valuable Chase Ultimate Rewards points
Chase Sapphire Lounge by the Club and Priority Pass Select airport lounge access for you and 2 guests, including Priority Pass Experiences
The potential for more than $3,000 in annual value in benefits and statement credits.

Pros

Aside from a $300 annual credit on travel, you'll earn up to 8X on all travel purchases made via Chase Travel℠
Chase Sapphire Lounge by the Club and Priority Pass Select airport lounge access for you and 2 guests, including Priority Pass Experiences
The potential for more than $3,000 in annual value in benefits and statement credits.

Cons

High annual fee
Not as many bonus categories as some other cards
If booking travel directly (rather than via Chase Travel℠), 4X bonus categories are limited to Airfare and Hotels booked directly but not all travel.

Annual Fee: $795

Foreign Transaction Fee: 0%

Min Credit Score: Excellent (800-850) *

Point Value:

$0.01-$0.0175

APR: 19.49%-27.99% (Variable)

Balance transfer fees: Either $5 or 5% of the amount of each transfer, whichever is greater.

4x-8x
Airfare

8X only applies to bookings made via Chase Travel℠. Otherwise earn 4X points per dollar if booked directly with the airline. Bookings via any other channel earn 1X.
4x-8x
Hotels

8X only applies to bookings made via Chase Travel℠. Otherwise earn 4X points per dollar if booked directly with the hotel. Bookings via any other channel earn 1X.
3x
Dining Out / Food Delivery
1x-8x
Car Rentals

Only applies to bookings made via Chase Travel℠. Otherwise earn 1X.
1x
Everything Else

Marriott Bonvoy Boundless® Credit Card

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Marriott Bonvoy Boundless® Credit Card

(3.85) Our Review

Annual Fee:

$95

☝ Increased Offer

Earn 4 Free Night Awards after spending $3,000 on eligible purchases within 3 months of account opening with the Marriott Bonvoy Boundless® Credit Card. Redeem your Free Night Award for a one-night stay at properties with a redemption level up to 50,000 points per night. Certain hotels have resort fees. Special Offer through 6/30/2027: Get up to $100 in statement credits after spending $500 on eligible airline purchases. That’s $50 in statement credits semi-annually.

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 Marriott Bonvoy® Gold Elite Status every year by spending $35,000+ on the card

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 Marriott Bonvoy® Gold Elite 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
Marriott Bonvoy® 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

Annual Fee: $95

Foreign Transaction Fee: 0%

Min Credit Score: Good (670-739) *

Point Value:

$0.005

APR: 19.24%-27.74% (Variable)

Balance transfer fees: Either $5 or 5% of the amount of each transfer, whichever is greater.

3x
Gas Stations
3x
Dining Out / Food Delivery
3x
Supermarkets
2x-6x
Hotels

Earn 6X when you book Marriott Bonvoy properties direct. Earn 2X on all other hotel bookings.
2x
Everything Else

The Platinum Card® from American Express

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The Platinum Card® from American Express

(4.33) Our Review

Annual Fee:

$895 (Rates and fees)

🎁 Bonus offer

As High As 175,000 points. Find Out Your Offer. You may be eligible for as high as 175,000 Membership Rewards® Points after spending $12,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer. Terms apply.

You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you're approved and find out your exact welcome offer amount – all with no credit score impact. If you're approved and choose to accept the Card, your score may be impacted.
Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
With over 1,550 airport lounges – more than any other credit card company on the market* – enjoy the benefits of the Global Lounge Collection, over $850 of annual value, with access to Centurion Lounges, 10 Delta Sky Club visits (subject to visit limitations) when flying on an eligible Delta flight, Priority Pass™ membership (enrollment required), and other select partner lounges. *As of 01/2026
$200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
$300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
$600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
$400 Resy Credit + Platinum Nights™ by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to pay for eligible purchases with Resy, including dining purchases at over 10,000 qualifying U.S. Resy restaurants. Enrollment required. As a Platinum Card® Member you have special access to reservations on select nights at participating sought after Resy restaurants in select cities through Platinum Nights™ by Resy. Simply add your Platinum Card® to your Resy profile to book your reservation.
$219 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $219 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
Start your vacation sooner and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in, when available, and guaranteed 4PM late check-out.
$300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That's up to $300 in statement credits each calendar year. Enrollment required.
$155 Walmart+ Credit: Get up to a $12.95* statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Platinum Card®. *Up to $12.95 plus applicable taxes on one membership fee.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
$895 annual fee.
Terms Apply.

You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you're approved and find out your exact welcome offer amount – all with no credit score impact. If you're approved and choose to accept the Card, your score may be impacted.
Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
With over 1,550 airport lounges – more than any other credit card company on the market* – enjoy the benefits of the Global Lounge Collection, over $850 of annual value, with access to Centurion Lounges, 10 Delta Sky Club visits (subject to visit limitations) when flying on an eligible Delta flight, Priority Pass™ membership (enrollment required), and other select partner lounges. *As of 01/2026
$200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
$300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
$600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
$400 Resy Credit + Platinum Nights™ by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to pay for eligible purchases with Resy, including dining purchases at over 10,000 qualifying U.S. Resy restaurants. Enrollment required. As a Platinum Card® Member you have special access to reservations on select nights at participating sought after Resy restaurants in select cities through Platinum Nights™ by Resy. Simply add your Platinum Card® to your Resy profile to book your reservation.
$219 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $219 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
Start your vacation sooner and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in, when available, and guaranteed 4PM late check-out.
$300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That's up to $300 in statement credits each calendar year. Enrollment required.
$155 Walmart+ Credit: Get up to a $12.95* statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Platinum Card®. *Up to $12.95 plus applicable taxes on one membership fee.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
$895 annual fee.
Terms Apply.

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: $895 (Rates and fees)

Foreign Transaction Fee: 0%

Min Credit Score: Good *

Point Value:

$0.017

5x
Airfare

Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel® up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel®.
1x-5x
Hotels

Earn 5X only when booked via AmexTravel.com; Otherwise, hotels will earn 1X points per dollar spent
1x
All Other Eligible Purchases

Delta SkyMiles® Gold American Express Card

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Delta SkyMiles® Gold American Express Card

(3.88) Our Review

Annual Fee:

$0 Introductory Annual Fee for the first year, then $150 (Rates and fees)

🎁 Bonus offer

You may be eligible for as high as 80,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Terms apply.

You may be eligible for as high as 80,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you're approved and find out your exact welcome offer amount – all with no credit score impact. If you're approved and choose to accept the Card, your score may be impacted.
Enjoy a $0 introductory annual fee for the first year, then $150.
Delta SkyMiles® Gold American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
$200 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, you can receive a $200 Delta Flight Credit to use toward future travel.
$120 Rideshare Credit: With your $120 Rideshare Credit, earn up to $10 back in statement credits each month after your first Card renewal when you use your Delta SkyMiles® Gold American Express Card for U.S. rideshare purchases with select providers. Enrollment required.
When you use your Delta SkyMiles® Gold American Express Card, you can earn: 2X miles on Delta Purchases, 2X miles at restaurants, 2X miles at U.S. supermarkets, 1X miles on all other eligible purchases. Every mile you earn brings you closer to the places you want to go. Turn them into your next trip, use them for seat upgrades, and more.
Check your first bag for free on Delta flights worldwide and get a second bag free when flying domestically.
Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
$100 Delta Stays Credit: Get up to $100 back per year as a statement credit after using your Delta SkyMiles® Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
Want even more flexibility? Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
Send money, split purchases, and focus on the moments that matter – with Send & Split®. Powered by Venmo and PayPal. Enrollment Required. Terms apply.
Terms Apply.

You may be eligible for as high as 80,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you're approved and find out your exact welcome offer amount – all with no credit score impact. If you're approved and choose to accept the Card, your score may be impacted.
Enjoy a $0 introductory annual fee for the first year, then $150.
Delta SkyMiles® Gold American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
$200 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, you can receive a $200 Delta Flight Credit to use toward future travel.
$120 Rideshare Credit: With your $120 Rideshare Credit, earn up to $10 back in statement credits each month after your first Card renewal when you use your Delta SkyMiles® Gold American Express Card for U.S. rideshare purchases with select providers. Enrollment required.
When you use your Delta SkyMiles® Gold American Express Card, you can earn: 2X miles on Delta Purchases, 2X miles at restaurants, 2X miles at U.S. supermarkets, 1X miles on all other eligible purchases. Every mile you earn brings you closer to the places you want to go. Turn them into your next trip, use them for seat upgrades, and more.
Check your first bag for free on Delta flights worldwide and get a second bag free when flying domestically.
Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
$100 Delta Stays Credit: Get up to $100 back per year as a statement credit after using your Delta SkyMiles® Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
Want even more flexibility? Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
Send money, split purchases, and focus on the moments that matter – with Send & Split®. Powered by Venmo and PayPal. Enrollment Required. Terms apply.
Terms Apply.

Pros

You'll save 15% when you use SkyMiles to book eligible Delta award flights
Free first checked bag and Zone 5 boarding on Delta flights
Earn a $200 Delta flight credit after spending $10,000 in a calendar year

Cons

While there's a $0 introductory annual fee for the first year of account opening, the Delta SkyMiles Gold charges a $150 annual fee thereafter.
The card does not provide more than 2x miles on purchases, even on Delta flights
You do not get Delta Sky Club access or elite-qualifying miles

Annual Fee: $0 Introductory Annual Fee for the first year, then $150 (Rates and fees)

Foreign Transaction Fee: 0%

Min Credit Score: Good *

Point Value:

$0.012

APR: 19.49%-28.49% (Variable)

2x
Dining Out / Food Delivery
2x
Supermarkets

At U.S. Supermarkets. * American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)
1x-2x
Airfare

2X multiplier only applies to flights booked on Delta, otherwise earn 1X
1x
All Other Eligible Purchases

Chase Freedom Unlimited®

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Chase Freedom Unlimited®

(4.25) Our Review

Annual Fee:

$0

🎁 Bonus offer

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

This is awarded as 20,000 Ultimate Rewards Points, transferrable to airline / hotel partners if you also hold a Chase Sapphire Reserve®, Chase Sapphire Preferred®, Sapphire Reserve for Business℠ or an Ink Business Preferred®.

0% Intro APR offers for both new purchases and balance transfers
Simple earning structure with 3% back on drugstore purchases and dining and 1.5% on everyday purchases
Comes with shopping benefits like Purchase Protection and Extended Warranty

0% Intro APR offers for both new purchases and balance transfers
Simple earning structure with 3% back on drugstore purchases and dining and 1.5% on everyday purchases
Comes with shopping benefits like Purchase Protection and Extended Warranty

Pros

No annual fee
0% Intro APR offers on both purchases and balance transfers
Points earned can be combined with other cards that earn Chase Ultimate Rewards®

Cons

Cannot transfer points to airline or hotel partners unless you also have a Chase Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred
Carries a foreign transaction fee of 3%
Limited travel protections and no bonus points on travel purchases

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

APR on Purchases: 0 % Intro APR (on purchases for 15 months, 18.24%-27.74% thereafter)

APR on Balance Transfers: 0% Intro APR (on balance transfers for 15 months, 18.24%-27.74% thereafter)

Balance transfer fees: Either $5 or 5% of the amount of each transfer, whichever is greater.

3x
Dining Out / Food Delivery
3x
Drugstores
1.5x-5x
Airfare

Earn the higher multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 1.5X points.
1.5x-5x
Car Rentals

Earn the higher multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 1.5X points.
1.5x-5x
Hotels

Earn the higher multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 1.5X points.
1.5x
Everything Else

Capital One Savor Cash Rewards Credit Card

How to apply Card Details

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Capital One Savor Cash Rewards Credit Card

(4.13) Our Review

Annual Fee:

$0

⚠️Offer Ending Soon

Earn $250 Cash Back after you spend $500 on purchases within 3 months from account opening

No annual fee
Earn 3% cash rewards on popular categories
No foreign transaction fee

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, vacation rentals, and rental cars

Annual Fee: $0

Foreign Transaction Fee: 0%

Min Credit Score: Good (670-739) *

Point Value:

$0.01

APR on Purchases: 0 % Intro APR (on purchases for 12 months, 18.49%-28.49% thereafter)

APR on Balance Transfers: 0% Intro APR (on balance transfers for 12 months, 18.49%-28.49% thereafter)

Balance transfer fees: Balance transfer fee applies

3x
Dining Out / Food Delivery
3x
Streaming Services
3x
Entertainment (Concerts / Shows / Movies)
3x
Supermarkets
1x-5x
Car Rentals

Only earns 5% when booked via Capital One Travel; else earn 1%
1x-5x
Hotels

Only earns 5% when booked via Capital One Travel; else earn 1%
1x
Everything Else

Blue Cash Everyday® Card from American Express

How to apply Card Details

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Blue Cash Everyday® Card from American Express

(4.38) Our Review

Annual Fee:

$0 (Rates and fees)

🎁 Bonus offer

You may be eligible for as high as $200 cash back after spending $2,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.

Terms Apply.

Apply and find out your welcome offer. As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $2,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
No Annual Fee.
Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, your APR will be a variable APR of 19.49%-28.49%.
Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
Terms Apply.

Apply and find out your welcome offer. As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $2,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
No Annual Fee.
Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, your APR will be a variable APR of 19.49%-28.49%.
Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
Terms Apply.

Pros

No annual fee and with the provided statement credit offered, you can actually come out ahead.
Generous cash back earning (in the form of "Reward Dollars") on three everyday spending categories: 3% cash back at U.S. supermarkets, U.S. gas stations and U.S. online retail purchases of up to $6,000 per calendar year in purchases in each category (then 1%), and 1% cash back on other eligible purchases.
Access to Amex Offers, providing the opportunity to earn even more cash back.

Cons

Cash back is earned as "Reward Dollars" for a statement credit and can't be converted to Amex Membership Rewards points.
There is a limit of $6,000 in spending per year in each eligible 3% cash back bonus category. All other purchases after this earn only 1% cash back.
This cash-back credit card carries a 2.7 percent foreign transaction (Rates and Fees).

Annual Fee: $0 (Rates and fees)

Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.

Min Credit Score: Good *

Point Value:

$0.01

APR on Purchases: 0 % Intro APR (on purchases for 15 months, 19.49%-28.49% thereafter)

APR on Balance Transfers: 0% Intro APR (on balance transfers for 15 months, 19.49%-28.49% thereafter)

Balance transfer fees: Either $5 or 3% of the amount of each transfer, whichever is greater.

3x
Gas Stations

U.S. Gas Stations, up to $6,000 per calendar year in purchases (then 1% thereafter)
3x
Supermarkets

Up to $6,000 per calendar year in purchases in each category (then 1% thereafter). At U.S. Supermarkets. * American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)
3x
Online Retail Shopping

U.S. Online Retail Shopping, up to $6,000 per calendar year in purchases (then 1% thereafter)
1x
All Other Eligible Purchases

American Express® Gold Card

How to apply Card Details

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American Express is an Advertising Partner

American Express® Gold Card

(4.48) Our Review

Annual Fee:

$325 (Rates and fees)

☝ Increased Offer

You may be eligible for as high as 100,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer. Find out your offer. Terms apply.

You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you're approved and find out your exact welcome offer amount – all with no credit score impact. If you're approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
New! Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You'll know upfront exactly how much you'll pay.
Updated! $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That's up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
New! As an American Express® Gold Card Member, you can enjoy complimentary Hertz Five Star® Status. Enjoy benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Take advantage of a $100 credit towards eligible charges* at over 1,300 upscale hotels worldwide when you book The Hotel Collection through AmexTravel.com or the Amex Travel App **. *Eligible charges vary by property. **The Hotel Collection requires a two-night minimum stay.
Book your travel through the Amex Travel App with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.

You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you're approved and find out your exact welcome offer amount – all with no credit score impact. If you're approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
New! Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You'll know upfront exactly how much you'll pay.
Updated! $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That's up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
New! As an American Express® Gold Card Member, you can enjoy complimentary Hertz Five Star® Status. Enjoy benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Take advantage of a $100 credit towards eligible charges* at over 1,300 upscale hotels worldwide when you book The Hotel Collection through AmexTravel.com or the Amex Travel App **. *Eligible charges vary by property. **The Hotel Collection requires a two-night minimum stay.
Book your travel through the Amex Travel App with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.

Pros

For a pure combination of spending on dining, groceries, and airfare, the American Express Gold card is unmatched
Although the annual fee seems high, you can actually come out ahead by using available monthly statement credits
Earns valuable American Express Membership rewards points and card membership includes the highly regarded American Express customer service

Cons

The annual fee of $325, despite the statement credits that can offset it, is steep for some
Bonus categories are limited to just three
Car rental CDW coverage is secondary to your own auto insurance

Annual Fee: $325 (Rates and fees)

Foreign Transaction Fee: 0%

Min Credit Score: Good *

Point Value:

$0.017

4x
Supermarkets

4X Membership Rewards points per dollar spent on U.S. Supermarkets* (up to $25,000 a year; 1X thereafter)
4x
Dining Out / Food Delivery

At restaurants worldwide (up to $50,000 a year; 1X thereafter)
3x
Airfare

Booked directly with the airline or via AmexTravel.com
1x-5x
Hotels

5X Membership Rewards® points only on prepaid hotels booked through AmexTravel.com or Amex Travel App™
1x-2x
Car Rentals

2X Membership Rewards® points only on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com.
1x-2x
Cruises

2X Membership Rewards® points only on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com.
1x
All Other Eligible Purchases

The Blue Business® Plus Credit Card from American Express

How to apply Card Details

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American Express is an Advertising Partner

The Blue Business® Plus Credit Card from American Express

(4.28) Our Review

Annual Fee:

$0 (Rates and fees)

🎁 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.

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.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% – 28.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
You've got the power to spend above your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
No Annual Fee
Terms Apply.

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.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% – 28.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
You've got the power to spend above your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
No Annual Fee
Terms Apply.

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 (Rates and fees)

Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.

Min Credit Score: Good *

Point Value:

$0.017

APR on Purchases: 0 % Intro APR (on purchases for 12 months, 16.74%-28.49% thereafter)

2x
Airfare
2x
Transit
2x
Car Rentals
2x
Cable / Internet / Phone
2x
Costco
2x
Gas Stations
2x
Cellular Phone Service
2x
Dining Out / Food Delivery
2x
Hotels
2x
Lyft
2x
Office Supplies
2x
Shipping
2x
Single Charges over $5,000
2x
Supermarkets
2x
Cruises
2x
Drugstores
2x
Streaming Services
2x
Gym Memberships
2x
Advertising (Online / TV / Radio)
2x
Entertainment (Concerts / Shows / Movies)
2x
Advertising on Search Engines and Social Media

American Express® Business Gold Card

How to apply Card Details

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American Express is an Advertising Partner

American Express® Business Gold Card

(4.3) Our Review

Annual Fee:

$375 (Rates and fees)

👑 Best Ever Offer

You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Find out your offer. Terms Apply.

As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx (through 10/01/2026), Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Gold Card. *Subject to auto-renewal.
Enroll and get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace. Subscription purchases subject to auto-renewal.
Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™.
The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
Terms Apply

As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx (through 10/01/2026), Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Gold Card. *Subject to auto-renewal.
Enroll and get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace. Subscription purchases subject to auto-renewal.
Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™.
The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
Terms Apply

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 (Rates and fees)

Foreign Transaction Fee: 0%

Min Credit Score: Good *

Point Value:

$0.017

APR: 17.74%-28.49% (Variable)

4x
Gas Stations

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
4x
Dining Out / Food Delivery

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
4x
Advertising (Online / TV / Radio)

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
4x
U.S. Electronic Goods Retailers / Software / Cloud System Providers

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
4x
Cellular Phone Service

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
4x
Transit

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
Airfare

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

Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card; 1X otherwise
1x
All Other Eligible Purchases

Chase Ink Business Cash® Credit Card

Learn How to Apply Card Details

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Chase Ink Business Cash® Credit Card

(4.83) Our Review

Annual Fee:

$0

⌛ Limited Time Offer

Earn $1,000 when you spend $8,000 on purchases in the first four months after account opening.

This is awarded as 100,000 Ultimate Rewards Points, transferrable if you also hold a Sapphire Preferred®, Sapphire Reserve®, Ink Business Preferred®, or Sapphire Reserve for Business℠.

Earns 5X on office supply stores, cable, internet, and phone
Points earned can be transferred to other eligible Chase Ultimate Rewards cards
No annual fee

Earns 5X on office supply stores, cable, internet, and phone
Points earned can be transferred to other eligible Chase Ultimate Rewards cards
No annual fee

Pros

Great 5X (office supplies, cable, internet, phone) and 2X (gas stations and dining) bonus categories – on up to $25,000 in combined purchases each cardmember year.
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

APR on Purchases: 0 % Intro APR (on purchases for 12 months, 16.74%-24.74% thereafter)

Balance transfer fees: Either $5 or 5% of the amount of each transfer, whichever is greater.

5x
Cable / Internet / Phone
5x
Cellular Phone Service
5x
Office Supplies
2x
Gas Stations
2x
Dining Out / Food Delivery
1x
Everything Else

Chase Ink Business Premier® Credit Card

Learn How to Apply Card Details

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Chase Ink Business Premier® Credit Card

(3.75) Our Review

Annual Fee:

$195

🎁 Bonus offer

Earn $1,000 bonus cash back after you spend $10,000 on purchases in your first 3 months from account opening.

Charge card allows for high spending limits to fit your business needs
2.5% Cash Back on purchases over $5,000 is a stellar rebate on spend
Earns Cash Back rather than transferable points.

Charge card allows for high spending limits to fit your business needs
2.5% Cash Back on purchases over $5,000 is a stellar rebate on spend
Earns Cash Back rather than transferable points.

Pros

There is no other charge card on the market that offers 2.5% on charges over $5,000 with no monthly or annual limit.
A flexible spending limit makes it a great choice for heavy spenders; rare on a small business card.
Primary car rental Collision Damage Waiver (CDW) can be a huge benefit when on the road. This means your personal insurance won't have to get involved for damage to your rental car. (Note that it does not provide liability insurance or coverage for any other car you may be in a collision with.)

Cons

The Chase Ultimate Rewards points earned with the Ink Business Premier are pure cash back with no option to transfer the points to other Chase small business credit cards (Ink) or Chase Sapphire cards or to airline and hotel transfer partners. This differs from all other Chase Ink credit cards.
Relatively high annual fee.
Lack of travel benefits like a Global Entry application fee credit, though you likely have that on another credit card.

Annual Fee: $195

Foreign Transaction Fee: 0%

Min Credit Score: Good (670-739) *

Point Value:

$0.01

APR: 17.74%-28.49% (Variable)

5x
Airfare

Only applies to bookings made in the Chase Ultimate Rewards portal. Otherwise, you'll earn the default rate (2% – 2.5%) for everyday spend on this card.
5x
Cruises

Only applies to bookings made in the Chase Ultimate Rewards portal. Otherwise, you'll earn the default rate (2% – 2.5%) for everyday spend on this card.
5x
Car Rentals

Only applies to bookings made in the Chase Ultimate Rewards portal. Otherwise, you'll earn the default rate (2% – 2.5%) for everyday spend on this card.
5x
Hotels

Only applies to bookings made in the Chase Ultimate Rewards portal. Otherwise, you'll earn the default rate (2% – 2.5%) for everyday spend on this card.
2.5x
Single Charges over $5,000
2x
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