If you’ve ever seen Hurley aka “Phúc Mập” on YouTube, you already know he has a passion for traveling. Since 2014, he’s been using his credit cards strategically in order to travel all over the world. With an audience who is also passionate about traveling, he has starting sharing the cards that have brought him the most value when it comes to achieving his travel goals. Feel free to check out any of his recommendations on this page.
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.
Annual Fee:
$95
🎁 Bonus offer
Earn 75,000 Miles once you spend $4,000 on purchases within 3 months from account opening
💡 Need to Know
One of the best all-around travel rewards credit cards earning at least 2X Miles on everything. Simplicity is king with this card.
Featured Credit Card
Simple (and strong) flat-rate earning structure with 2X miles per dollar spent on almost all purchases.
Relatively modest $95 annual fee, especially considering how valuable Capital One Miles can be with the ability to either redeem for travel at a value of one cent per point, or transfer miles to a wide range of excellent hotel and airline partners.
Up to $120 statement credit to offset Global Entry or TSA PreCheck application fees and no foreign transaction fees.
Your Best Credit Cards has partnered with CardRatings and MyBankTracker for our coverage of credit card products. Your Best Credit Cards and our partners may receive compensation from card issuers when a customer clicks on a link, when an application is approved, or when an account is opened. Some or all of the offers that appear on Your Best Credit Cards are from advertisers and may influence how and where products are displayed on the site, as well as their rankings in tables. Your Best Credit Cards does not include all card companies, banks, or all available card or bank offers. Commissions do not affect or prioritize placement within our Card Explorer results, and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
* Suggested credit score ranges for credit cards are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.
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.
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) *
When a card earns cash back, it has a value in our calculator of $0.01, just as you’d expect! 😉
Point Value:
$0.01
APR:0 % Intro APR (on purchases 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
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.
Annual Fee:
$95
☝ Increased 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 and a collision damage waiver on rental cars up to $60,000 (Primary except in NY where it is secondary)
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 and a collision damage waiver on rental cars up to $60,000 (Primary except in NY where it is secondary)
3X points on dining means you can rack up points quickly!
Pros
You can offset the annual fee by more than half with the $50 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 and a damage waiver on rental cars.
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 travel benefits like a Global Entry application fee credit.
Annual Fee:$95
Foreign Transaction Fee:0%
Min Credit Score:Good (670-739) *
The Sapphire Reserve, Sapphire Preferred, Chase Sapphire Reserve for Business, and Ink Preferred all have the ability to transfer to airline and hotel partners. We use an average value that you can expect to get by utilizing your points for these transfer partners.
In the Chase Travel℠ portal, Points Boost allows you to redeem for airfare or hotels with point values ranging from 1.5 – 2 cents depending on cabin class or hotel. Specific flights and hotels that appear in Point Boost vary.
If you do not have at least one of these cards, Ultimate Rewards are worth exactly 1 cent per point.
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.
Annual Fee:
$95
☝ Increased Offer
Earn 3 Free Night Awards after spending $3,000 on eligible purchases within 3 months of account opening, and an additional 1 Free Night Award after spending $4,000 total on eligible purchases within 4 months of account opening with the Marriott Bonvoy Boundless® Credit Card. Redeem your Free Night Awards for a one-night stay at properties with a redemption level up to 50,000 points per night, a total value of 200,000 points. Certain hotels have resort fees.
2026 Exclusive Offer: Get up to $100 in statement credits after spending $500 on eligible airline purchases. That’s up to $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) *
While Marriott Bonvoy dropped all award charts in favor of a dynamic pricing system, it hasn’t gotten out of hand and the 5th night free on awards can still provide outsized value. It’s also hard to beat the breadth of Marriott Bonvoy properties all over the world. That said, the prices have gone up and up again, and the ever increasing resort fees are not waived on Bonvoy award nights, which does draw the point value down.
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.
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.
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 complimentary Delta Sky Club® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges.* As of 07/2025.
$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 make eligible purchases with Resy, including dining purchases at U.S. Resy restaurants. Enrollment required. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you.
$209 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 $209 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 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: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card®. *Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
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 complimentary Delta Sky Club® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges.* As of 07/2025.
$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 make eligible purchases with Resy, including dining purchases at U.S. Resy restaurants. Enrollment required. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you.
$209 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 $209 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 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: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card®. *Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
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.
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.
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.
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
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.
Annual Fee:
$0 Introductory Annual Fee for the first year, then $150
(Rates and fees)
☝ Increased 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. Find out your 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.
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.
Enjoy your first checked bag free on Delta flights and save up to $70 per person on a round-trip Delta flight.
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.
With Send & Split®, you can send money and split your Card purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today.
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.
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.
Enjoy your first checked bag free on Delta flights and save up to $70 per person on a round-trip Delta flight.
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.
With Send & Split®, you can send money and split your Card purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today.
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 *
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.
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
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.
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) *
The Sapphire Reserve, Sapphire Preferred, Chase Sapphire Reserve for Business, and Ink Preferred all have the ability to transfer to airline and hotel partners. We use an average value that you can expect to get by utilizing your points for these transfer partners.
In the Chase Travel℠ portal, Points Boost allows you to redeem for airfare or hotels with point values ranging from 1.5 – 2 cents depending on cabin class or hotel. Specific flights and hotels that appear in Point Boost vary.
If you do not have at least one of these cards, Ultimate Rewards are worth exactly 1 cent per point.
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.
Annual Fee:
$0
🎁 Bonus offer
Earn $200 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) *
When a card earns cash back, it has a value in our calculator of $0.01, just as you’d expect! 😉
Point Value:
$0.01
APR:0 % Intro APR (on purchases 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%
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.
As High As $200 Cash Back. Find Out Your 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.
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%.
Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don't have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you'll still earn rewards on purchases the way you usually do.
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%.
Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don't have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you'll still earn rewards on purchases the way you usually do.
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).
Foreign Transaction Fee:2.7% of each transaction after conversion to US dollars.
Min Credit Score:Good *
When a card earns cash back, it has a value in our calculator of $0.01, just as you’d expect! 😉
Point Value:
$0.01
APR:0 % Intro APR (on purchases 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)
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.
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
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.
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.
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.
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.
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
Foreign Transaction Fee:2.7% of each transaction after conversion to US dollars.
Min Credit Score:Good *
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.
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.
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.
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
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.
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.
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.
Annual Fee:
$0
🎁 Bonus offer
Earn $750 when you spend $6,000 on purchases in the first three months after account opening.
This is awarded as 75,000 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) *
The Sapphire Reserve, Sapphire Preferred, Chase Sapphire Reserve for Business, and Ink Preferred all have the ability to transfer to airline and hotel partners. We use an average value that you can expect to get by utilizing your points for these transfer partners.
In the Chase Travel℠ portal, Points Boost allows you to redeem for airfare or hotels with point values ranging from 1.5 – 2 cents depending on cabin class or hotel. Specific flights and hotels that appear in Point Boost vary.
If you do not have at least one of these cards, Ultimate Rewards are worth exactly 1 cent per point.
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.
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) *
When a card earns cash back, it has a value in our calculator of $0.01, just as you’d expect! 😉
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.