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Bonus: Earn $750 bonus cash back when you spend $7,500 in the first 3 months.
$0 annual fee
Analysis: The Ultimate Rewards® from the Ink Business Cash® Credit Card are transferable to any other Chase card that is part of the Ultimate Rewards® program, meaning that your points could be worth more or could be combined with points earned on your other cards in order to increase your rewards redemption opportunities. So, even though this is considered a cash-back card, you're earning Ultimate Rewards® points that serve as lucrative travel rewards. Furthermore, this no-annual-fee card allows you to earn points at a nice clip both through the signup bonus and on an ongoing basis.
Credit needed: Excellent, Good
(This card is not currently available on CardRatings)
Bonus: 60,000 Chase Ultimate Rewards® points when you spend $4,000 in the first three months.
Annual fee: $95
Analysis: This is the best offer we’ve ever seen on the Chase Sapphire Preferred® Card which we rate as the #1 travel rewards credit card.
The information related this credit card has been collected by CardRatings and has not been reviewed or provided by the issuer of the card.
Bonus: 100,000 bonus miles when you spend $20,000 within your first 12 months or 50,000 bonus miles when you spend $3,000 in the first three months from account opening.
$95 annual fee
Analysis: 50,000 miles (plus the 6,000 you'll earn at the regular reward rate for spending $3,000 (two points per $1)) = 56,000 miles worth $560 of statement credits for completely flexible travel. This bonus is increased over the typical bonus for this card so jump on it while you can.
With this card you can fly any airline, stay at any hotel, anytime and not have to worry about blackout dates. You can also transfer your miles to multiple leading travel loyalty programs.
Welcome offer: 20,000 Venture® miles when you spend $500 in the first 3 months. You earn 1.25 miles on every purchase. There is no annual fee on this card.
20,000 miles = $200 of statement credits for completely flexible travel.
Analysis: This welcome offer has held steady for many months with no indication this will increase. Credit needed: Excellent, Good
Bonus: Receive 50,000 bonus Ultimate Rewards® points after spending $4,000 in the first three months. All your points are worth 50 percent more when you redeem them for travel, so those 50,000 bonus points are worth up to $750 in travel.
$550 annual fee; an additional $75 each authorized user.
Analysis: This luxury card made quite a splash when it debuted in 2016. While the annual fee is hefty, you get a lot for the money.
Take advantage of up to a $300 reimbursement each account anniversary year for travel expenses like airfare or hotel stays charged to your card, access to more than 1,000 airport lounges worldwide, a chance to earn three points per $1 spent on dining and travel that isn't eligible for the $300 reimbursement and one point per $1 on everything else, and a number of other luxury perks and benefits. Plus, remember that those points are worth 50 percent more if you redeem them for travel.
Bonus: New cardholders can earn $200 after spending $500 with the card in the first 3 months of opening the account. Also darn 5% cash back at grocery stores (excluding Target® and Walmart®) for up to $12,000 in purchases your first year.
$0 annual fee.
Analysis: Earn 5% cash back on up to $1,500 in combined purchases in varying categories each quarter, 5% cash back on travel purchased through the Chase Ultimate Rewards® portal, 3% cash back at restaurants (including takeout and delivery), 3% cash back on drugstore purchases and 1% cash back on all other eligible purchases. Credit needed: Excellent, Good
Bonus: Earn a $200 bonus after you spend $500 on purchases in your first three months from account opening. You'll earn 5% cash back on up to $12,000 spent at grocery stores (excluding Target and Walmart) for the first year of card membership.
$0 annual fee.
Analysis: Excellent tiered earning with 5% cash back on travle purchased through Ultimate Rewards®, 3% back at restaurants, 3% back at drugstores and 1.5% back on all other eligible purchases. The Ultimate Rewards® from the Chase Freedom Unlimited® are transferable to other Chase Ultimate Rewards® cards so you can combine them with points earned with a Chase Sapphire Preferred® Card, Chase Freedom® or other participant cards which will, in some cases, make those points more valuable. Credit needed: Excellent, Good
Bonus: 100,000 Chase Ultimate Rewards® points when you spend $15,000 in the first three months.
$95 annual fee not waived the first year.
Analysis: This newer member of the Chase Ink family offers a hefty signup bonus plus the opportunity to earn three points per $1 on up to $150,000 spent in select business categories each year (as determined by your account anniversary) including travel and shipping among others. Among several other appealing features is cell phone protection for the primary number as well as all your employee phones on the same account (as long as you pay your bill on the card).
The newest member of the Ink family can really be viewed as a no-annual-fee complement to the Ink Business Preferred® Credit Card since it's a flat-rate cash-back rewards card that can be used to earn 1.5 percent cash back on all your purchases that don't earn higher cash back with the Ink Business Preferred® Credit Card.
As a welcome offer, new cardholders will earn $750 cash back after you spend $7,500 in the first three months of card membership. Additionally, you can take advantage of an intro 12 months zero interest on purchases (then, 13.24% - 19.24% Variable). And, remember, you'll earn an unlimited 1.5 percent cash back on every purchase.
Credit needed: Excellent, Good
Annual Fee: $0
Welcome Offer: Earn 75,000 bonus Membership Rewards® bonus points after you spend an $15,000 on qualifying purchases within the first 3 months.
Rewards: Get 5X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com. Earn an extra half-point (1.5 points) per $1 on purchases of more than $5,000 and earn one point per $1 on everything else.
$595.See Rates and Fees
Analysis: The $595 annual fee is significant. But, Amex is giving you 35% of your points back when you Pay with Points for flights booked through American Express Travel (you must select one airline for economy bookings, but you get 35% back on ALL business and first class flights available through Amex Travel, up to 500,000 points back annually). Credit needed: Good, Excellent
Bonus: Earn up to 50,000 Bonus Points. Earn 25,000 Bonus Points after you spend $3,000 on purchases in the first three months from account opening, and then an additional 25,000 Bonus Points after you spend a total of $6,000 on purchases within the first six months - free night stays start at 5,000 points.
Receive a free night certificate for a Category 1-4 Hyatt hotel or resort after each card member anniversary. Get automatic World of Hyatt Elite status for as long as your account is open and 5 qualifying night credits toward your next tier status every year. Earn 2 qualifying night credits towards your next tier status every time you spend $5,000 on your card.
Earn 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member. Plus, earn 2 Bonus Points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships.
Analysis: Since free nights start as low as 5,000 points per night, the up to 50,000 bonus points could be worth as many as 10 free nights. Additionally, you'll earn an extra free night at a Category 1-4 if you spend at least $15,000 on your card during your anniversary year.
Annual fee: $95
Credit needed: Excellent, Good
Bonus: 60,000 points after you spend $3,000 in the first 3 months.
$99 annual fee, not waived the first year.
Analysis: 60,000-point bonus is the top offer we’ve seen on this card. These points are among the easiest to redeem as Southwest doesn’t have any blackout dates! This is a great card for domestic business travel and travel in the U.S. generally. Credit needed: Excellent, Good
Meet Brad Barrett:
Brad is a CPA who, through his sites Travel Miles 101, Richmond Savers and ChooseFI, helps people maximize their credit card rewards points for nearly free travel while pursuing a frugal and financially independent lifestyle.
His family has used rewards points to travel to Walt Disney World, Bermuda, New York City, San Francisco and more and he has been featured in the New York Times, NBC, CBS, ABC, Lifehacker and the Huffington Post.
To see the rates and fees for the The Business Platinum Card® from American Express please visit the following link: See Rates and Fees.