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Updated: Jan 11, 2026

Spencer Johnson’s Favorite Credit Cards

Spencer discusses the topics you didn’t learn in school on his YouTube Channel… credit cards and personal finance. He shares his knowledge of personal finance with college students and any individuals who, just like him, did not learn about topics such as credit cards, investing, taxes, bank accounts, etc. from formal education.

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Great beginner card

Chase Sapphire Preferred® Card Chase Sapphire Preferred® Card image
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Chase Sapphire Preferred® Card

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(4.05) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
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.

💡 Need to Know

The best starter rewards credit card with powerful benefits, a solid signup bonus, and a great introduction into Chase Ultimate Rewards.

Featured Credit Card

  • 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!
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.

My favorite credit cards right now

Capital One Venture X Rewards Credit Card Capital One Venture X Rewards Credit Card image
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Capital One Venture X Rewards Credit Card

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(4.38) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Annual Fee:
$395
🎁 Bonus offer
Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening.
  • With a $300 annual travel credit and 10,000 miles (worth $100) each year at renewal, the credits you receive are actually worth more than the annual fee.
  • Access to Capital One lounges and Landings and participating Priority Pass™ lounges
  • Capital One Miles are extremely flexible, with the option to redeem for travel at a value of one cent per point, or transfer to a wide range of excellent air and hotel partners.
  • With a $300 annual travel credit and 10,000 miles (worth $100) each year at renewal, the credits you receive are actually worth more than the annual fee.
  • Access to Capital One lounges and Landings and participating Priority Pass™ lounges
  • Capital One Miles are extremely flexible, with the option to redeem for travel at a value of one cent per point, or transfer to a wide range of excellent air and hotel partners.

Pros

  • The annual fee is more than covered by annual credits
  • Comes with access to Capital One lounges and Landings and participating Priority Pass™ lounges
  • Authorized users also get the upgraded Hertz status like the primary card holder

Cons

  • The annual fee, while effectively negative $5 after credits, can feel like a lot.
  • Aside from bonus points for booking through Capital One Travel, there are no bonus categories. Still, all eligible purchases do earn 2X miles per dollar spent which is great.
  • Points don't transfer to any domestic airlines, although you can use other partners to book domestic award tickets on domestic airlines.
Annual Fee: $395
Foreign Transaction Fee: 0%
Min Credit Score: Excellent (800-850) *
Point Value:
$0.016
APR: 19.49%-28.49% (Variable)
Balance transfer fees: Balance Transfer Fee applies to balances transferred at a promotional rate
  • 2x-5x

    Airfare

    Airfare
  • 2x-10x

    Car Rentals

    Car Rentals
  • 2x-10x

    Hotels

    Hotels
  • 2x

    Everything Else

Chase Freedom Unlimited® Chase Freedom Unlimited® image
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Chase Freedom Unlimited®

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(4.25) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
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 25,000 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

    Dining Out / Food Delivery
  • 3x

    Drugstores

    Drugstores
  • 1.5x-5x

    Airfare

    Airfare
  • 1.5x-5x

    Car Rentals

    Car Rentals
  • 1.5x-5x

    Hotels

    Hotels
  • 1.5x

    Everything Else

Chase Sapphire Reserve® Chase Sapphire Reserve® image
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Chase Sapphire Reserve®

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(4.5) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Annual Fee:
$795
⚠️Offer Ending Soon
Limited Time Offer: Earn 150,000 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

    Airfare
  • 4x-8x

    Hotels

    Hotels
  • 3x

    Dining Out / Food Delivery

    Dining Out / Food Delivery
  • 1x-8x

    Car Rentals

    Car Rentals
  • 1x

    Everything Else

Chase Ink Business Cash® Credit Card Chase Ink Business Cash® Credit Card image
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Chase Ink Business Cash® Credit Card

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(4.83) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
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) *
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

    Cable / Internet / Phone
  • 5x

    Cellular Phone Service

    Cellular Phone Service
  • 5x

    Office Supplies

    Office Supplies
  • 2x

    Gas Stations

    Gas Stations
  • 2x

    Dining Out / Food Delivery

    Dining Out / Food Delivery
  • 1x

    Everything Else

Chase Ink Business Unlimited® Credit Card Chase Ink Business Unlimited® Credit Card image
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Chase Ink Business Unlimited® Credit Card

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(4.38) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
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℠.

  • Simple. Earn 1.5% cash back on all purchases
  • Rich signup bonus
  • No annual fee
  • Simple. Earn 1.5% cash back on all purchases
  • Rich signup bonus
  • No annual fee

Pros

  • With 1.5% cash back on all purchases, it's a perfect "default" card for purchases not in a bonus category on your other cards
  • No annual fee
  • Points earned can be transferred to your Chase Ink Preferred®, Sapphire Preferred® Card, or Sapphire Reserve® Card

Cons

  • Comes with a foreign transaction fee when travelling or making a purchase in a foreign currency
  • Rewards earned are only cash back, although you can transfer the Ultimate Rewards points earned to a Chase Ink Preferred®, Sapphire Preferred® Card, or Sapphire Reserve® Card to enable airline and hotel points transfers
  • No bonus spend 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.
  • 1.5x

    Everything Else

American Express® Business Gold Card American Express® Business Gold Card image
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American Express® Business Gold Card

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(4.3) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
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

    Gas Stations
  • 4x

    Dining Out / Food Delivery

    Dining Out / Food Delivery
  • 4x

    Advertising (Online / TV / Radio)

    Advertising (Online / TV / Radio)
  • 4x

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

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

    Cellular Phone Service

    Cellular Phone Service
  • 4x

    Transit

    Transit
  • 3x

    Airfare

    Airfare
  • 3x

    Hotels

    Hotels
  • 1x

    All Other Eligible Purchases

Chase Ink Business Preferred® Credit Card Chase Ink Business Preferred® Credit Card image
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Chase Ink Business Preferred® Credit Card

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(4.63) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Annual Fee:
$95
☝ Increased Offer
Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
  • Earns fully transferable Chase Ultimate Rewards points
  • 3X points per dollar on travel and online advertising on social media sites up to $150,000 a year can mean huge points earnings. Limit is per account anniversary year
  • Primary Car Rental CDW, trip delay and cancellation insurance, and cell phone protection
  • Earns fully transferable Chase Ultimate Rewards points
  • 3X points per dollar on travel and online advertising on social media sites up to $150,000 a year can mean huge points earnings. Limit is per account anniversary year
  • Primary Car Rental CDW, trip delay and cancellation insurance, and cell phone protection

Pros

  • 3X points per dollar for combined purchases travel, advertising on social media sites, phone services and more – up to $150,000 per account anniversary year can mean huge points earnings
  • Earns fully transferable Chase Ultimate Rewards points
  • Travel protections, primary car rental CDW, and cell phone protections

Cons

  • $95 annual fee
  • The 3X bonus categories have a cap of $150,000 on combined purchases, then the earn rate drops to 1X. It also earns 1 point per dollar on other eligible purchases.
  • No 0% intro APR offers
Annual Fee: $95
Foreign Transaction Fee: 0%
Min Credit Score: Good (670-739) *
Point Value:
$0.01-$0.0175
APR: 17.74%-26.74% (Variable)
Balance transfer fees: Either $5 or 5% of the amount of each transfer, whichever is greater.
  • 3x

    Airfare

    Airfare
  • 3x

    Transit

    Transit
  • 3x

    Car Rentals

    Car Rentals
  • 3x

    Cellular Phone Service

    Cellular Phone Service
  • 3x

    Hotels

    Hotels
  • 3x

    Advertising on Search Engines and Social Media

    Advertising on Search Engines and Social Media
  • 3x

    Shipping

    Shipping
  • 3x

    Cable / Internet / Phone

    Cable / Internet / Phone
  • 3x

    Cruises

    Cruises
  • 1x

    Everything Else

The Blue Business® Plus Credit Card from American Express The Blue Business® Plus Credit Card from American Express image
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The Blue Business® Plus Credit Card from American Express

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(4.28) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
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

    Airfare
  • 2x

    Transit

    Transit
  • 2x

    Car Rentals

    Car Rentals
  • 2x

    Cable / Internet / Phone

    Cable / Internet / Phone
  • 2x

    Costco

    Costco
  • 2x

    Gas Stations

    Gas Stations
  • 2x

    Cellular Phone Service

    Cellular Phone Service
  • 2x

    Dining Out / Food Delivery

    Dining Out / Food Delivery
  • 2x

    Hotels

    Hotels
  • 2x

    Lyft

    Lyft
  • 2x

    Office Supplies

    Office Supplies
  • 2x

    Shipping

    Shipping
  • 2x

    Single Charges over $5,000

    Single Charges over $5,000
  • 2x

    Supermarkets

    Supermarkets
  • 2x

    Cruises

    Cruises
  • 2x

    Drugstores

    Drugstores
  • 2x

    Streaming Services

    Streaming Services
  • 2x

    Gym Memberships

    Gym Memberships
  • 2x

    Advertising (Online / TV / Radio)

    Advertising (Online / TV / Radio)
  • 2x

    Entertainment (Concerts / Shows / Movies)

    Entertainment (Concerts / Shows / Movies)
  • 2x

    Advertising on Search Engines and Social Media

    Advertising on Search Engines and Social Media
American Express® Business Gold Card American Express® Business Gold Card image
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American Express® Business Gold Card

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(4.3) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
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

    Gas Stations
  • 4x

    Dining Out / Food Delivery

    Dining Out / Food Delivery
  • 4x

    Advertising (Online / TV / Radio)

    Advertising (Online / TV / Radio)
  • 4x

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

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

    Cellular Phone Service

    Cellular Phone Service
  • 4x

    Transit

    Transit
  • 3x

    Airfare

    Airfare
  • 3x

    Hotels

    Hotels
  • 1x

    All Other Eligible Purchases

Southwest® Rapid Rewards® Performance Business Credit Card Southwest® Rapid Rewards® Performance Business Credit Card image
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Southwest® Rapid Rewards® Performance Business Credit Card

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(4.25) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Annual Fee:
$299
🎁 Bonus offer
Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening
  • Enjoy unlimited upgrades to an Extra Legroom seat within 48 hours prior to departure, at no additional charge, when available.
  • First checked bag free for you and up to 8 additional passengers in the same reservation
  • 9,000 bonus points on every cardmember anniversary
  • Enjoy unlimited upgrades to an Extra Legroom seat within 48 hours prior to departure, at no additional charge, when available.
  • First checked bag free for you and up to 8 additional passengers in the same reservation
  • 9,000 bonus points on every cardmember anniversary

Pros

  • Enjoy unlimited upgrades to an Extra Legroom seat within 48 hours prior to departure, at no additional charge, when available.
  • First checked bag free for you and up to 8 additional passengers in the same reservation
  • 9,000 bonus points on every cardmember anniversary

Cons

  • The high annual fee will be hard to justify for infrequent travelers
  • Rapid Rewards points only provide a good value for Southwest flights
Annual Fee: $299
Foreign Transaction Fee: 0%
Min Credit Score: Good (670-739) *
Point Value:
$0.0125
APR: 19.24%-27.74% (Variable)
Balance transfer fees: Either $5 or 5% of the amount of each transfer, whichever is greater.
  • 2x

    Gas Stations

    Gas Stations
  • 2x

    Hotels

    Hotels
  • 2x

    Transit

    Transit
  • 1x-4x

    Airfare

    Airfare
  • 1x

    Everything Else

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