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stop-color="#fff"></stop></linearGradient><linearGradient gradientUnits="userSpaceOnUse" id="points-valuation_svg__q" x1="216.221" x2="216.221" y1="52" y2="29"><stop stop-color="#fff" stop-opacity="0.3"></stop><stop offset="1" stop-color="#fff"></stop></linearGradient><clipPath id="points-valuation_svg__a"><path d="M0 0h270v170H0z" fill="#fff"></path></clipPath></defs></svg></a></span></div></li><li class="PanelMenu_panelItem__i2oW_"><div class="PanelMenu_itemTitle__05Kqt"><span><a data-attribute="menu-link-award-vs.-cash-calculator" href="/calculator/">Award vs. cash calculator</a></span></div><div class="PanelMenu_itemDetails__fnpc_">Check here before booking an award fare. Compare the cost in points or miles to cash, and see which option is best.</div><div class="PanelMenu_itemImage__N5o0u"><span><a href="/calculator/"><svg fill="none" viewBox="0 0 270 170" xmlns="http://www.w3.org/2000/svg"><g clip-path="url(#calculator_svg__a)"><path d="M270 0H0v170h270V0Z" fill="url(#calculator_svg__b)"></path><path d="M5.4 103h-24.8a1.6 1.6 0 0 0-1.6 1.6v98.8a1.6 1.6 0 0 0 1.6 1.6H5.4a1.6 1.6 0 0 0 1.6-1.6v-98.8a1.6 1.6 0 0 0-1.6-1.6Z" fill="#162433"></path><path d="M22 133H6a6 6 0 0 0-6 6v90a6 6 0 0 0 6 6h16a6 6 0 0 0 6-6v-90a6 6 0 0 0-6-6Z" fill="#162433"></path><path d="M34.61 111H13.39a1.39 1.39 0 0 0-1.39 1.39v99.22c0 .768.622 1.39 1.39 1.39h21.22a1.39 1.39 0 0 0 1.39-1.39v-99.22a1.39 1.39 0 0 0-1.39-1.39Z" fill="#162433"></path><path d="M81.2 88H29.8a1.8 1.8 0 0 0-1.8 1.8v98.4a1.8 1.8 0 0 0 1.8 1.8h51.4a1.8 1.8 0 0 0 1.8-1.8V89.8a1.8 1.8 0 0 0-1.8-1.8Z" fill="#162433"></path><path d="M206 128H65a6 6 0 0 0-6 6v78a6 6 0 0 0 6 6h141a6 6 0 0 0 6-6v-78a6 6 0 0 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tooltip"><button on="tap:tooltip-byline" class="jsx-431999578 triggerText"><span class="jsx-431999578 triggerText">Michelle Lambright Black</span></button><div class="jsx-431999578 dialog false undefined"><div class="jsx-431999578"><div class="jsx-416730657 authorDialog"><div class="jsx-416730657 contact"><div class="jsx-416730657 avatar"><span style="box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative"><span style="box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:100%"></span><img alt="Michelle Lambright Black" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="responsive" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img alt="Michelle Lambright Black" loading="lazy" decoding="async" data-nimg="responsive" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" sizes="100vw" srcSet="/_next/image/?url=https%3A%2F%2Fthepointsguy.global.ssl.fastly.net%2Fus%2Foriginals%2F2019%2F01%2FMichelle-Black-2018.jpg&w=640&q=75 640w, /_next/image/?url=https%3A%2F%2Fthepointsguy.global.ssl.fastly.net%2Fus%2Foriginals%2F2019%2F01%2FMichelle-Black-2018.jpg&w=750&q=75 750w, /_next/image/?url=https%3A%2F%2Fthepointsguy.global.ssl.fastly.net%2Fus%2Foriginals%2F2019%2F01%2FMichelle-Black-2018.jpg&w=828&q=75 828w, 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authorName">Michelle Lambright Black</a><div class="jsx-416730657 role">Contributor</div></div></div><div class="jsx-416730657"><span class="jsx-416730657 bio">Michelle Lambright Black, Founder of CreditWriter.com and HerCreditMatters.com, is a leading credit expert with over a decade and a half of experience in the credit industry. She’s an expert on credit reporting and scoring, credit cards, identity theft, budgeting and debt eradication. Michelle is also an experienced personal finance and travel writer. You can connect with Michelle on Twitter (@MichelleLBlack) and Instagram (@CreditWriter).</span></div></div><div class="jsx-431999578 pointer"></div></div></div></div></div></div><div class="jsx-3122506519 temporal"><div class="jsx-3122506519">June 10, 2024</div><div class="jsx-3122506519">•</div><div class="jsx-3122506519">6 min read</div></div><div class="jsx-3090580028 featuredImageWithToc"><span style="box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:absolute;top:0;left:0;bottom:0;right:0"><img alt="Female small business owner talking on smart phone and working at laptop in cafe" sizes="100vw" srcSet="https://thepointsguy.global.ssl.fastly.net/us/originals/2019/04/GettyImages-956745772.jpg?width=640 640w, https://thepointsguy.global.ssl.fastly.net/us/originals/2019/04/GettyImages-956745772.jpg?width=750 750w, 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label">Email</div></a></li></ul></div></div></div><div class="jsx-de4115f42c48e362 jsx-2927102002 progress"></div></div></div><div aria-hidden="true" class="jsx-de4115f42c48e362 jsx-2927102002 backdrop"></div><div class="jsx-1875764269 Article_parallel__sFvdV"><div class="jsx-1875764269 Article_contentWithToc__nGpJi"><div class="jsx-2099115934 topElements"><div class="jsx-611272369 topDisclaimer">The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don’t cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our <a href="/advertising-policy/" class="jsx-611272369">advertising policy</a> and <a href="/review-methodology/" class="jsx-611272369">product review methodology</a> for more information.</div><div class="jsx-843455135 editorsNote"><h3 class="jsx-843455135 title">Editor's Note</h3><div class="jsx-843455135 note">This is a recurring post, regularly updated with new information and offers.</div></div></div><div class="jsx-2309406147 body articlePage"><div class="Mobiledoc"><p>The right <a href="https://thepointsguy.com/credit-cards/business/" rel="noopener noreferrer" target="_blank">business credit card</a> offers a lot of benefits to a small-business owner. Not only does a business credit card help you earn valuable points and miles, but it also may help you establish a better commercial credit rating for your company.</p><p>But will a business credit card help build your <a href="https://thepointsguy.com/credit-cards/how-credit-scores-work/" rel="noopener" target="_blank">personal credit scores</a>? Unfortunately, there is no simple answer to that question. Although your account management is the most important factor in getting or keeping a good credit score, there are a few ways that a business credit card might help improve your personal credit score.</p><p><strong>Related: <a href="https://thepointsguy.com/credit-cards/need-business-for-business-credit-card/">Do I need a business to get a business credit card?</a></strong></p><a id="establish-personal-credit" class="jsx-2362441780 anchor"></a><h2 class="jsx-2362441780">Establish personal credit</h2><p>Credit cards — whether personal or business — help you establish or boost your credit rating.</p><p>Most personal credit cards report account activity monthly to the <a href="https://thepointsguy.com/credit-cards/three-major-credit-reporting-agencies/">three major consumer credit reporting agencies</a>: Equifax, TransUnion and Experian.</p><figure class="jsx-1853040249 tpg-figure"><div style="padding-top:0" class="jsx-36530878 full-width-auto-height-image"><span style="box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative"><span style="box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%"></span><img alt="" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="responsive" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img alt="" loading="lazy" decoding="async" data-nimg="responsive" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" sizes="100vw" srcSet="https://thepointsguy.global.ssl.fastly.net/us/originals/2023/09/woman-looking-over-personal-online-bank-account-on-smartphone_Oscar-Wong.jpg?width=640 640w, https://thepointsguy.global.ssl.fastly.net/us/originals/2023/09/woman-looking-over-personal-online-bank-account-on-smartphone_Oscar-Wong.jpg?width=750 750w, https://thepointsguy.global.ssl.fastly.net/us/originals/2023/09/woman-looking-over-personal-online-bank-account-on-smartphone_Oscar-Wong.jpg?width=828 828w, https://thepointsguy.global.ssl.fastly.net/us/originals/2023/09/woman-looking-over-personal-online-bank-account-on-smartphone_Oscar-Wong.jpg?width=1080 1080w, https://thepointsguy.global.ssl.fastly.net/us/originals/2023/09/woman-looking-over-personal-online-bank-account-on-smartphone_Oscar-Wong.jpg?width=1200 1200w, https://thepointsguy.global.ssl.fastly.net/us/originals/2023/09/woman-looking-over-personal-online-bank-account-on-smartphone_Oscar-Wong.jpg?width=1920 1920w, https://thepointsguy.global.ssl.fastly.net/us/originals/2023/09/woman-looking-over-personal-online-bank-account-on-smartphone_Oscar-Wong.jpg?width=2048 2048w, https://thepointsguy.global.ssl.fastly.net/us/originals/2023/09/woman-looking-over-personal-online-bank-account-on-smartphone_Oscar-Wong.jpg?width=3840 3840w" src="https://thepointsguy.global.ssl.fastly.net/us/originals/2023/09/woman-looking-over-personal-online-bank-account-on-smartphone_Oscar-Wong.jpg?width=3840"/></noscript></span></div><figcaption class="jsx-1853040249 figcaption">OSCAR WONG/GETTY IMAGES</figcaption></figure><p>Business credit cards work a little differently. Most issuers report your account information monthly to one or more of the business credit bureaus. These card issuers give you the opportunity to build positive commercial credit when you open an account. Though not necessarily the norm, some issuers of business credit cards also report your account activity to the consumer credit bureaus each month. When you're smart about managing these accounts, business credit cards can help you simultaneously build business and personal credit.</p><p>Want to know which card issuers report to the consumer credit bureaus, the business credit bureaus or both? Ask the card issuer about its credit reporting policy or check <a href="https://thepointsguy.com/credit-cards/business-credit-cards-that-affect-personal-credit/" rel="noopener noreferrer" target="_blank">this guide</a> for help.</p><p><strong>Related: <a href="https://thepointsguy.com/credit-cards/airlines/two-hawaiian-credit-cards-at-once/">Here's why I applied for business and personal credit cards on the same day</a></strong></p><a id="lower-personal-credit-utilization" class="jsx-2362441780 anchor"></a><h2 class="jsx-2362441780">Lower personal credit utilization</h2><p>Here's where the magic happens from a personal credit score perspective. Using a business credit card that doesn't appear on your consumer credit reports might lower your personal credit utilization ratio. This sometimes makes a big difference where personal credit scores are concerned.</p><div class=" EmailSignUp_container__qYzYT undefined EmailSignUp_isLoading__i_qm0 "><picture class="EmailSignUp_graphic__zgpFm"><source media="screen and (max-width: 767px)" srcSet="/images/EmailSignUp/daily-mob.svg"/><img alt="" src="/images/EmailSignUp/daily-dt.svg"/></picture><div class="EmailSignUp_form__C8FWb"><div class="EmailSignUp_label__fKFKM">Daily Newsletter</div><div class="EmailSignUp_heading__9Nmt4">Reward your inbox with the TPG Daily newsletter</div><div class="EmailSignUp_description__uBGT6">Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG’s experts</div><form class="jsx-1071010234"><div class="jsx-1071010234 EmailCapture_instanceArticle__Ahmj_ instanceHomepageNLSignup"><div class="jsx-3240391286 Input_containerGray__8NCcO Article tw-rounded-lg"><input data-label="Email address" id="Article" name="email" placeholder=" " required="" type="email" class="jsx-3240391286 Input_field__nVOw6"/><label for="Article" class="jsx-3240391286 Input_placeholder__yjvvV">Email address</label></div><span><div class="jsx-1071010234 tw-flex tw-h-full tw-items-center tw-justify-center"><button class="tw-heading-10 tw-inline-flex tw-max-h-12 tw-min-h-10 tw-items-center tw-justify-center tw-gap-3 tw-whitespace-nowrap tw-rounded-full tw-px-6 tw-py-2 tw-transition-colors disabled:tw-pointer-events-none tw-bg-cta-blue tw-text-white tw-outline-2 tw-outline-offset-1 tw-outline-cta-blue hover:tw-bg-cta-hover hover:tw-text-white focus:tw-outline disabled:tw-bg-gray-3 tw-w-full tw-border-none">Sign up</button></div></span></div><div class="jsx-1071010234 EmailCapture_confirmation__xasB3 EmailCapture_noCheckbox__n4fsN "><div style="align-items:center" class="jsx-3584303912 legalText legalText-B"><span class="jsx-3584303912">By signing up, you will receive newsletters and promotional content and agree to our <a href="/terms-of-use/" target="_blank" class="jsx-3584303912">Terms of Use</a> and acknowledge the data practices in our <a href="/privacy-policy/" target="_blank" class="jsx-3584303912">Privacy Policy</a>. You may unsubscribe at any time.</span></div></div></form></div></div><p>Some small-business owners use personal credit cards for business expenses, especially when they're starting out. That choice may damage the business owner's personal credit scores.</p><p>The <a href="https://thepointsguy.com/credit-cards/credit-utilization-ratio-guide/" rel="noopener noreferrer" target="_blank">credit utilization ratio</a> on your revolving credit card accounts influences your personal credit scores. 30% of your FICO score is based on credit utilization. The higher your credit utilization climbs on your personal credit reports, the worse the impact is on your credit score.</p><figure class="jsx-1853040249 tpg-figure"><div style="padding-top:0" class="jsx-36530878 full-width-auto-height-image"><span style="box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative"><span style="box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.625%"></span><img alt="" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="responsive" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img alt="" loading="lazy" decoding="async" data-nimg="responsive" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" sizes="100vw" srcSet="https://thepointsguy.global.ssl.fastly.net/us/originals/2023/05/Business-shop-owner-doing-paperwork-with-laptop_PixelsEffect.jpg?width=640 640w, https://thepointsguy.global.ssl.fastly.net/us/originals/2023/05/Business-shop-owner-doing-paperwork-with-laptop_PixelsEffect.jpg?width=750 750w, https://thepointsguy.global.ssl.fastly.net/us/originals/2023/05/Business-shop-owner-doing-paperwork-with-laptop_PixelsEffect.jpg?width=828 828w, https://thepointsguy.global.ssl.fastly.net/us/originals/2023/05/Business-shop-owner-doing-paperwork-with-laptop_PixelsEffect.jpg?width=1080 1080w, https://thepointsguy.global.ssl.fastly.net/us/originals/2023/05/Business-shop-owner-doing-paperwork-with-laptop_PixelsEffect.jpg?width=1200 1200w, https://thepointsguy.global.ssl.fastly.net/us/originals/2023/05/Business-shop-owner-doing-paperwork-with-laptop_PixelsEffect.jpg?width=1920 1920w, https://thepointsguy.global.ssl.fastly.net/us/originals/2023/05/Business-shop-owner-doing-paperwork-with-laptop_PixelsEffect.jpg?width=2048 2048w, https://thepointsguy.global.ssl.fastly.net/us/originals/2023/05/Business-shop-owner-doing-paperwork-with-laptop_PixelsEffect.jpg?width=3840 3840w" src="https://thepointsguy.global.ssl.fastly.net/us/originals/2023/05/Business-shop-owner-doing-paperwork-with-laptop_PixelsEffect.jpg?width=3840"/></noscript></span></div><figcaption class="jsx-1853040249 figcaption">PIXELEFFECT/GETTY IMAGES</figcaption></figure><p>For reference, credit utilization refers to the percentage of your <a href="https://thepointsguy.com/guide/how-get-automatic-credit-limit-increase/">credit limit</a> that's being used on a credit card (or on all of your credit cards combined). If you have a credit card with a $5,000 limit and a $2,500 balance, the account is 50% utilized. Lower utilization is better.</p><p>Let's assume you open a business credit card that does not report to the consumer credit bureaus. The account would not appear on your personal credit reports (assuming you stay current with your payments).</p><p>Using this business credit card won't increase the credit utilization ratio on your personal credit reports. As a result, your personal credit scores won't be damaged from high usage rates if you decide to tap a large percentage of the business credit limit on your account. You might still be charging the same amount of money each month for your business, but you'd no longer risk hurting your personal credit as a result.</p><p>Some great recommendations for a first business card include the <a href="https://thepointsguy.com/apply-now/ink-business-preferred%E2%84%A0-credit-card/?pid=221211974&tid=post">Ink Business Preferred® Credit Card</a>, <span class="jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b"><a href="https://thepointsguy.com/apply-now/the-blue-business%E2%84%A0-plus-credit-card-from-american-express/?tid=post" rel="noreferrer" target="_blank" class="jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit">The Blue Business® Plus Credit Card from American Express</a></span> and the <span class="jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b"><a href="https://thepointsguy.com/apply-now/bank-of-america-business-advantage-unlimited-cash-rewards-mastercard-credit-card/?tid=post" rel="noreferrer" target="_blank" class="jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit">Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card</a></span>.</p><p><strong>Related: <a href="https://thepointsguy.com/credit-cards/guide-to-applying-small-business-credit-cards/">How to get a business credit card</a></strong></p><a id="account-management-tips" class="jsx-2362441780 anchor"></a><h2 class="jsx-2362441780">Account management tips</h2><p>If you want a credit card to help you improve your credit rating, either on the personal side or with the business credit bureaus, you'll need to manage the account carefully.</p><p>Below are three smart tips for managing your credit card:</p><ol><li><strong>Pay on time. </strong>More than one-third of your personal FICO score (35%) is based on the payment history of the accounts that appear on your personal credit report. Payment history also matters with <a href="https://thepointsguy.com/credit-cards/how-to-check-business-credit-score/" rel="noopener noreferrer" target="_blank">business credit scores</a>, such as the Dun & Bradstreet Paydex business credit report. Always make your business credit card payments on time to earn (or keep) a good credit rating.</li><li><strong>Keep your credit utilization low. </strong>Your credit utilization rate is almost as important as paying your bills on time when it comes to personal credit scores. Some (though not all) business credit scoring models are designed to consider credit utilization. Ideally, you should pay your full statement balance every month to avoid <a href="https://thepointsguy.com/credit-cards/credit-card-apr-vs-interest-rate/">interest fees</a>. If you want to make sure a low utilization rate appears on your credit reports in an upcoming month, pay off your balance before your credit card's statement closing date.</li><li><strong>Be patient. </strong>Length of credit history is worth 15% of your consumer FICO score and may impact your business credit scores as well. Lenders like to see several years of credit history, so don't fret if it's been a couple of years and you aren't seeing a positive effect on your credit score.</li></ol><p>The most important factor regarding credit scores will always be how you manage your accounts. Ultimately, your credit cards are simply tools. You decide how to use them.</p><p><strong>Related: <a href="https://thepointsguy.com/credit-cards/ten-credit-card-commandments/">TPG's 10 commandments of credit card rewards</a></strong></p><a id="bottom-line" class="jsx-2362441780 anchor"></a><h2 class="jsx-2362441780">Bottom line</h2><p>Applying for and using a business credit card will help manage your business expenses and help you earn valuable points and miles. It can also assist in improving your personal credit score.</p><p>Paying your statements in full every month can go a long way to show issuers that you're a responsible borrower who has low credit utilization — a big plus in increasing your consumer FICO score and business credit scores.</p><p><strong>Related: <a href="https://thepointsguy.com/credit-cards/small-business-credit-card-strategy/" rel="noopener" target="_blank">10 considerations for your small-business credit card strategy</a></strong></p></div> </div><div class="jsx-3814564231 featuredImageCredit">Featured image by HERO IMAGES/GETTY IMAGES</div><div class="jsx-3000030127 bottomDisclaimer">Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.</div></div></div><div class="jsx-1875764269"></div><div class="jsx-1875764269 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Not only does a business credit card help you earn valuable points and miles, but it also may help you establish a better commercial credit rating for your company."]]],[1,"p",[[0,[],0,"But will a business credit card help build your "],[0,[1],1,"personal credit scores"],[0,[],0,"? Unfortunately, there is no simple answer to that question. Although your account management is the most important factor in getting or keeping a good credit score, there are a few ways that a business credit card might help improve your personal credit score."]]],[1,"p",[[0,[2],0,"Related: "],[0,[3],2,"Do I need a business to get a business credit card?"]]],[10,0],[10,1],[1,"p",[[0,[],0,"Credit cards — whether personal or business — help you establish or boost your credit rating."]]],[1,"p",[[0,[],0,"Most personal credit cards report account activity monthly to the "],[0,[4],1,"three major consumer credit reporting agencies"],[0,[],0,": Equifax, TransUnion and Experian."]]],[10,2],[1,"p",[[0,[],0,"Business credit cards work a little differently. Most issuers report your account information monthly to one or more of the business credit bureaus. These card issuers give you the opportunity to build positive commercial credit when you open an account. Though not necessarily the norm, some issuers of business credit cards also report your account activity to the consumer credit bureaus each month. When you're smart about managing these accounts, business credit cards can help you simultaneously build business and personal credit."]]],[1,"p",[[0,[],0,"Want to know which card issuers report to the consumer credit bureaus, the business credit bureaus or both? Ask the card issuer about its credit reporting policy or check "],[0,[5],1,"this guide"],[0,[],0," for help."]]],[1,"p",[[0,[2],0,"Related: "],[0,[6],2,"Here's why I applied for business and personal credit cards on the same day"]]],[10,3],[1,"p",[[0,[],0,"Here's where the magic happens from a personal credit score perspective. Using a business credit card that doesn't appear on your consumer credit reports might lower your personal credit utilization ratio. This sometimes makes a big difference where personal credit scores are concerned."]]],[1,"p",[[0,[],0,"Some small-business owners use personal credit cards for business expenses, especially when they're starting out. That choice may damage the business owner's personal credit scores."]]],[1,"p",[[0,[],0,"The "],[0,[7],1,"credit utilization ratio"],[0,[],0," on your revolving credit card accounts influences your personal credit scores. 30% of your FICO score is based on credit utilization. The higher your credit utilization climbs on your personal credit reports, the worse the impact is on your credit score."]]],[10,4],[1,"p",[[0,[],0,"For reference, credit utilization refers to the percentage of your "],[0,[8],1,"credit limit"],[0,[],0," that's being used on a credit card (or on all of your credit cards combined). If you have a credit card with a $5,000 limit and a $2,500 balance, the account is 50% utilized. Lower utilization is better."]]],[1,"p",[[0,[],0,"Let's assume you open a business credit card that does not report to the consumer credit bureaus. The account would not appear on your personal credit reports (assuming you stay current with your payments)."]]],[1,"p",[[0,[],0,"Using this business credit card won't increase the credit utilization ratio on your personal credit reports. As a result, your personal credit scores won't be damaged from high usage rates if you decide to tap a large percentage of the business credit limit on your account. You might still be charging the same amount of money each month for your business, but you'd no longer risk hurting your personal credit as a result."]]],[1,"p",[[0,[],0,"Some great recommendations for a first business card include the "],[0,[9],1,"Ink Business Preferred® Credit Card"],[0,[],0,", "],[0,[10],1,"The Blue Business® Plus Credit Card from American Express"],[0,[],0," and the "],[0,[11],1,"Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card"],[0,[],0,"."]]],[1,"p",[[0,[2],0,"Related: "],[0,[12],2,"How to get a business credit card"]]],[10,5],[1,"p",[[0,[],0,"If you want a credit card to help you improve your credit rating, either on the personal side or with the business credit bureaus, you'll need to manage the account carefully."]]],[1,"p",[[0,[],0,"Below are three smart tips for managing your credit card:"]]],[3,"ol",[[[0,[2],1,"Pay on time. "],[0,[],0,"More than one-third of your personal FICO score (35%) is based on the payment history of the accounts that appear on your personal credit report. Payment history also matters with "],[0,[13],1,"business credit scores"],[0,[],0,", such as the Dun \u0026 Bradstreet Paydex business credit report. Always make your business credit card payments on time to earn (or keep) a good credit rating."]],[[0,[2],1,"Keep your credit utilization low. "],[0,[],0,"Your credit utilization rate is almost as important as paying your bills on time when it comes to personal credit scores. Some (though not all) business credit scoring models are designed to consider credit utilization. Ideally, you should pay your full statement balance every month to avoid "],[0,[14],1,"interest fees"],[0,[],0,". If you want to make sure a low utilization rate appears on your credit reports in an upcoming month, pay off your balance before your credit card's statement closing date."]],[[0,[2],1,"Be patient. "],[0,[],0,"Length of credit history is worth 15% of your consumer FICO score and may impact your business credit scores as well. Lenders like to see several years of credit history, so don't fret if it's been a couple of years and you aren't seeing a positive effect on your credit score."]]]],[1,"p",[[0,[],0,"The most important factor regarding credit scores will always be how you manage your accounts. Ultimately, your credit cards are simply tools. You decide how to use them."]]],[1,"p",[[0,[2],0,"Related: "],[0,[15],2,"TPG's 10 commandments of credit card rewards"]]],[10,6],[1,"p",[[0,[],0,"Applying for and using a business credit card will help manage your business expenses and help you earn valuable points and miles. It can also assist in improving your personal credit score."]]],[1,"p",[[0,[],0,"Paying your statements in full every month can go a long way to show issuers that you're a responsible borrower who has low credit utilization — a big plus in increasing your consumer FICO score and business credit scores."]]],[1,"p",[[0,[2],0,"Related: "],[0,[16],2,"10 considerations for your small-business credit card strategy"]]]],"version":"0.3.1"},"cpmTags":{"entity":"business credit card, personal credit score, personal credit report, credit utilization, consumer credit bureau, account, business credit bureau, credit card, business credit score, valuable point","tax":"credit cards, personal finance","topic":"credit_reports, credit, credit_card_basics, credit_health"},"customSchema":null,"description":"Business credit cards can come with a lot of perks, but did you know that they might even help improve your personal credit scores in two ways?","editorsNote":"This is a recurring post, regularly updated with new information and offers.","featuredImage":{"credit":"HERO IMAGES/GETTY IMAGES","height":1414,"id":"687230","src":"https://thepointsguy.global.ssl.fastly.net/us/originals/2019/04/GettyImages-956745772.jpg","title":"Female small business owner talking on smart phone and working at laptop in cafe","width":2121},"id":"us#1541732","isTragedy":false,"pathname":"/credit-cards/how-business-credit-card-could-help-personal-credit-scores/","published":"2024-06-10T09:00:58.000Z","readingTime":{"minutes":5.21,"text":"6 min read"},"reviewAffiliate":null,"reviewedBy":[],"seal":null,"showAds":true,"showEditorialDisclaimer":true,"showNewsletterCallout":false,"slots":3,"slug":"how-business-credit-card-could-help-personal-credit-scores","socialThumbnails":{"facebook":"https://thepointsguy.freetls.fastly.net/us/originals/2024/05/SOCIAL-IMAGE_PARTNER-OFFER-TERMS-APPLY_making-payment-online-with-credit-card_d3sign_21.jpg","twitter":"https://thepointsguy.freetls.fastly.net/us/originals/2024/05/SOCIAL-IMAGE_PARTNER-OFFER-TERMS-APPLY_making-payment-online-with-credit-card_d3sign_21.jpg"},"sponsorship":null,"summary":[],"surrogateKeys":["single","post-1541732","slug-how-business-credit-card-could-help-personal-credit-scores","author-michelleblack"],"tableOfContents":[{"id":"establish-personal-credit","title":"Establish personal credit"},{"id":"lower-personal-credit-utilization","title":"Lower personal credit utilization"},{"id":"account-management-tips","title":"Account management tips"},{"id":"bottom-line","title":"Bottom line"}],"title":"How a business credit card could help your personal credit scores","titleTag":"How a business credit card could help your personal credit scores","tpSrc":"","transactionalWidgetCards":[{"ID":"221210132","annualFee":"$95","apr":["20.99% - 27.99% Variable","20.99% - 27.99% Variable","29.74% Variable","Up to 29.99%"],"aprs":[{"displayText":"20.99% - 27.99% Variable","maxValue":27.99,"minValue":20.99,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"20.99% - 27.99% Variable","maxValue":27.99,"minValue":20.99,"name":"Ongoing Balance Transfer APR","rateType":"variable"},{"displayText":"29.74% Variable","maxValue":29.74,"minValue":29.74,"name":"Ongoing Cash Advance APR","rateType":"variable"},{"displayText":"Up to 29.99%","maxValue":29.99,"minValue":29.99,"name":"Ongoing Penalty APR","rateType":"variable"}],"barker":"BEST FOR BEGINNERS TO TRANSFERABLE POINTS","brand":"Chase","categorySeperator":null,"cons":["This card features a $95 annual fee"],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/4c935280-ed1a-11ee-a39c-cffd4c1d8271.png","introBonus":{"description":"Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.","offer":"60,000 bonus points","previousValue":""},"lastUpdated":"2024-11-14 15:04:42","limitedTimeOffer":null,"monetized":true,"moreDetails":["Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.","Enjoy beneﬁts such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.","Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.","Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.","Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.","Member FDIC"],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/221210132/","pdpUrl":null,"pros":["Earn multiple points per dollar in popular categories, such as travel and dining","Solid welcome bonus valued at $1,230, per our valuations","Premium travel protection benefits include trip cancellation/interruption insurance, primary car rental insurance and lost luggage insurance"],"recommendedCredit":{"description":"Excellent/Good","range":"670-850"},"reviewLink":"https://thepointsguy.com/guide/chase-sapphire-preferred-review/","rewardsRates":{"multipliers":[{"description":"5x on travel purchased through Chase Travel℠.","multiplier":"5x"},{"description":"3x on dining, select streaming services and online groceries.","multiplier":"3x"},{"description":"2x on all other travel purchases.","multiplier":"2x"},{"description":"1x on all other purchases.","multiplier":"1x"}],"overview":"1 - 5X points"},"superlative":null,"termsAndConditions":"","title":"Chase Sapphire Preferred® Card","tpgRating":4.5,"whyWeChoseItOverride":"We love the Chase Sapphire Preferred because it’s a great introduction to the world of travel rewards. Cardholders can accrue rewards quickly thanks to the card’s popular bonus categories, including dining and travel. Once you earn Ultimate Rewards points, you can redeem them for 1.25 cents apiece through Chase Travel℠ and unlock incredible value through Chase’s 11 airline and three hotel partners when transferring your points."},{"ID":"22105772","annualFee":"$95","apr":["N/A","N/A","19.99% - 29.74% (Variable)","29.74% (Variable)","None","19.99% - 29.74% (Variable)"],"aprs":[{"displayText":"N/A","maxValue":0,"minValue":0,"name":"Introductory Balance Transfer APR","rateType":"fixed"},{"displayText":"N/A","maxValue":0,"minValue":0,"name":"Introductory Purchases APR","rateType":"fixed"},{"displayText":"19.99% - 29.74% (Variable)","maxValue":29.74,"minValue":19.99,"name":"Ongoing Balance Transfer APR","rateType":"variable"},{"displayText":"29.74% (Variable)","maxValue":29.74,"minValue":29.74,"name":"Ongoing Cash Advance APR","rateType":"variable"},{"displayText":"None","maxValue":0,"minValue":0,"name":"Ongoing Penalty APR","rateType":"fixed"},{"displayText":"19.99% - 29.74% (Variable)","maxValue":29.74,"minValue":19.99,"name":"Ongoing Purchases APR","rateType":"variable"}],"barker":"BEST REWARDS CARD FOR NON-BONUS SPENDING","brand":"Capital One","categorySeperator":null,"cons":["Highest bonus-earning categories only on travel booked via Capital One Travel"],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/03141a30-6f84-11ef-88db-67757e6c8737.png","introBonus":{"description":"75,000 miles once you spend $4,000 on purchases within 3 months from account opening","offer":"75,000 miles","previousValue":""},"lastUpdated":"2024-11-21 15:36:25","limitedTimeOffer":null,"monetized":true,"moreDetails":["Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel","Earn unlimited 2X miles on every purchase, every day","Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options","Miles won't expire for the life of the account and there's no limit to how many you can earn","Receive up to a $120 credit for Global Entry or TSA PreCheck®","Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel","Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection","Transfer your miles to your choice of 15+ travel loyalty programs"],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/22105772/","pdpUrl":null,"pros":["Solid welcome offer of 75,000 miles after spending $4,000 on purchases in the first three months from account opening.","You'll earn 2 miles per dollar on every purchase, which means you won't have to worry about memorizing bonus categories","Rewards are versatile and can be redeemed for a statement credit or transferred to Capital One’s transfer partners"],"recommendedCredit":{"description":"Excellent, Good","range":"670-850"},"reviewLink":"https://thepointsguy.com/guide/capital-one-venture-card-review/","rewardsRates":{"multipliers":[{"description":"5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel","multiplier":"5 Miles"},{"description":"2 Miles per dollar on every purchase, every day","multiplier":"2 Miles"}],"overview":"2 - 5X miles"},"superlative":null,"termsAndConditions":"https://d25970n8puso9u.cloudfront.net/disclosure.30761.en-US.pdf","title":"Capital One Venture Rewards Credit Card","tpgRating":4.5,"whyWeChoseItOverride":"If you’re looking for a credit card that provides simple ways to earn rewards and plenty of ways to redeem them, look no further than the Capital One Venture Rewards card. Cardholders can transfer points to 15-plus transfer partners and use miles to pay for travel purchases."},{"ID":"8152","annualFee":"$395","apr":["N/A","N/A","19.99% - 29.74% (Variable)","29.74% (Variable)","None","19.99% - 29.74% (Variable)"],"aprs":[{"displayText":"N/A","maxValue":0,"minValue":0,"name":"Introductory Balance Transfer APR","rateType":"fixed"},{"displayText":"N/A","maxValue":0,"minValue":0,"name":"Introductory Purchases APR","rateType":"fixed"},{"displayText":"19.99% - 29.74% (Variable)","maxValue":29.74,"minValue":19.99,"name":"Ongoing Balance Transfer APR","rateType":"variable"},{"displayText":"29.74% (Variable)","maxValue":29.74,"minValue":29.74,"name":"Ongoing Cash Advance APR","rateType":"variable"},{"displayText":"None","maxValue":0,"minValue":0,"name":"Ongoing Penalty APR","rateType":"fixed"},{"displayText":"19.99% - 29.74% (Variable)","maxValue":29.74,"minValue":19.99,"name":"Ongoing Purchases APR","rateType":"variable"}],"barker":"BEST CARD FOR EARNING FLAT-RATE MILES","brand":"Capital One","categorySeperator":null,"cons":["If you don’t travel frequently, this might not be the best card for you"],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/401d0150-336c-11ec-b6bf-8d6df3a2e669.png","introBonus":{"description":"Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel","offer":"Earn 75,000 miles","previousValue":""},"lastUpdated":"2024-11-21 15:36:31","limitedTimeOffer":null,"monetized":true,"moreDetails":["Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel","Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options","Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary","Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel","Earn unlimited 2X miles on all other purchases","Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network","Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs","Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection","Receive up to a $120 credit for Global Entry or TSA PreCheck®"],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/8152/","pdpUrl":null,"pros":["Welcome offer worth 75,000 miles after you spend $4,000 on purchases in the first three months","$300 in annual credits toward bookings made through Capital One Travel","10,000 bonus miles each account anniversary"],"recommendedCredit":{"description":"Excellent","range":"740-850"},"reviewLink":"https://thepointsguy.com/credit-cards/reviews/capital-one-venture-x-review/","rewardsRates":{"multipliers":[{"description":"10 Miles per dollar on hotels and rental cars booked through Capital One Travel","multiplier":"10 Miles"},{"description":"5 Miles per dollar on flights and vacation rentals booked through Capital One Travel","multiplier":"5 Miles"},{"description":"2 Miles per dollar on every purchase, every day","multiplier":"2 Miles"}],"overview":"2 - 10X miles"},"superlative":null,"termsAndConditions":"https://d25970n8puso9u.cloudfront.net/disclosure.30733.en-US.pdf","title":"Capital One Venture X Rewards Credit Card","tpgRating":4.5,"whyWeChoseItOverride":"The Capital One Venture X Rewards Credit Card is one of the best all-around travel credit cards. It offers a great welcome bonus, and cardholders can earn tons of miles on everyday spending, in addition to receiving a 10,000-mile anniversary bonus to boot. It has an annual fee of $395, but cardholders can count on a $300 annual credit toward travel booked through Capital One Travel each year and other valuable benefits like access to Priority Pass lounges and Capital One’s own growing family of airport lounges."},{"ID":"22504813","annualFee":"$695","apr":["See Pay Over Time APR","29.74% Variable","See Rates \u0026 Fees"],"aprs":[{"displayText":"See Pay Over Time APR","maxValue":999,"minValue":999,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"29.74% Variable","maxValue":29.74,"minValue":29.74,"name":"Ongoing Cash Advance APR","rateType":"variable"},{"displayText":"See Rates \u0026 Fees","maxValue":999,"minValue":999,"name":"Ongoing Penalty APR","rateType":"variable"}],"barker":"Best luxury travel rewards card","brand":"American Express","categorySeperator":null,"cons":["If you don’t take advantage of the card’s statement credits and lucrative benefits, it may not be worth the high annual fee","The annual airline fee statement credit can be complicated to use compared to the broader travel credits offered by competing premium cards"],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/e904fbf0-5b1a-11ef-a7c5-db9b566f392d.png","introBonus":{"description":"Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.","offer":"Earn 80,000 points","previousValue":""},"lastUpdated":"2024-11-11 16:04:08","limitedTimeOffer":null,"monetized":true,"moreDetails":["Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.","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.","$200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card®. The Hotel Collection requires a minimum two-night stay.","$240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.","The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.","$155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.","$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.","$200 Uber Cash: Platinum Card® Members can get out and about and explore their local area with $15 in Uber Cash for US rides each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings. Simply download the Uber app and add your Platinum Card® to your Uber account to get started. Available to Basic Card Member only. Effective 11/8/2024, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit.","$199 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.","Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.","Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.","Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.","$695 annual fee.¤","Terms Apply.","\u003ca href=\"https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/platinum-card/26129-10-0#offer-terms\" target=\"blank\"\u003e See Rates \u0026amp; Fees\u003c/a\u003e\u003c/li\u003e"],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/22504813/","pdpUrl":null,"pros":["The current welcome offer on this card is lucrative","Travel benefits include access to Centurion Lounges, complimentary Gold elite status with Hilton and Marriott and up to $199 in statement credits to cover your Clear Plus annual membership (Enrollment is required for select benefits)","The Amex Platinum has access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan your next getaway","Additional valuable card statement credits add up to save you hundreds of dollars every year"],"recommendedCredit":{"description":"Excellent/Good","range":"670-850"},"reviewLink":"https://thepointsguy.com/guide/amex-platinum-review/","rewardsRates":{"multipliers":[{"description":"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.","multiplier":"5X"},{"description":"Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.","multiplier":"5X"}],"overview":"5X points"},"superlative":null,"termsAndConditions":"https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/platinum-card/26129-10-0#offer-terms","title":"The Platinum Card® from American Express","tpgRating":4.5,"whyWeChoseItOverride":"For some, making an investment in a premium travel card is a great way to reap some lucrative benefits. Though you’ll pay a high annual fee as an Amex Platinum cardholder, you’ll unlock access to the American Express Membership Rewards program, which lets you access airline and hotel transfer partners, along with lots of lifestyle and travel credits. With a generous welcome offer and travel bonus categories, this card is incredibly rewarding in helping you rack up a ton of Membership Rewards points to book your next award redemption.\u0026nbsp;"},{"ID":"10186","annualFee":"$395","apr":["N/A","N/A","N/A","N/A","N/A","None"],"aprs":[{"displayText":"N/A","maxValue":0,"minValue":0,"name":"Introductory Purchases APR","rateType":"fixed"},{"displayText":"N/A","maxValue":0,"minValue":0,"name":"Ongoing Purchases APR","rateType":"fixed"},{"displayText":"N/A","maxValue":0,"minValue":0,"name":"Introductory Balance Transfer APR","rateType":"fixed"},{"displayText":"N/A","maxValue":0,"minValue":0,"name":"Ongoing Balance Transfer APR","rateType":"fixed"},{"displayText":"N/A","maxValue":0,"minValue":0,"name":"Ongoing Cash Advance APR","rateType":"fixed"},{"displayText":"None","maxValue":0,"minValue":0,"name":"Ongoing Penalty APR","rateType":"fixed"}],"barker":"Best business card for traveling","brand":"Capital One","categorySeperator":null,"cons":["The card requires a high spend of $30,000 in the first three months to earn the 150,000-mile welcome bonus.","Another drawback is that the annual travel credit can only be used on bookings made through Capital One Travel. "],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/ce6818d0-e078-11ee-a39c-cffd4c1d8271.png","introBonus":{"description":"150,000 miles once you spend $30,000 in the first 3 months from account opening","offer":"150,000 miles","previousValue":""},"lastUpdated":"2024-11-12 16:19:10","limitedTimeOffer":null,"monetized":true,"moreDetails":["Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions","This card has no preset spending limit, so you get purchasing power that adapts to your spending needs. The annual fee on this card is $395","Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening","Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs","Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Travel, where you'll get the best prices on thousands of options","Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings through Capital One Travel","Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease","Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and membership to Priority Pass","This is a pay-in-full card, so your balance is due in full every month","Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection"],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/10186/","pdpUrl":null,"pros":["The Capital One Venture X business card offers a welcome offer of 150,000 miles.","In addition, the card comes with many premium travel perks such as an annual $300 credit for bookings through Capital One Travel and, at a reasonable annual fee of $395.","Business owners are also able to add employee cards for free."],"recommendedCredit":{"description":"Excellent","range":"740-850"},"reviewLink":"https://thepointsguy.com/news/capital-one-venture-x-business-review-huge-earning-potential-for-businesses/","rewardsRates":{"multipliers":[{"description":"2 miles per dollar on every purchase","multiplier":"2X miles"},{"description":"5 miles per dollar on flights and vacation rentals booked through Capital One Travel","multiplier":"5X miles"},{"description":"10 miles per dollar on hotels and rental cars booked through Capital One Travel","multiplier":"10X miles"}],"overview":"2 - 10X miles"},"superlative":null,"termsAndConditions":"https://d25970n8puso9u.cloudfront.net/disclosure.31039.en-US.pdf","title":"Capital One Venture X Business","tpgRating":4.5,"whyWeChoseItOverride":"The Capital One Venture X Business Card has all the Capital One Venture X Rewards Credit Card has to offer and more. It offers an incredible welcome bonus and requires an equally impressive spend to qualify. In addition, the card comes with premium travel perks like annual travel credit."},{"ID":"6344","annualFee":"$325","apr":["See Pay Over Time APR","29.74% Variable","See Rates \u0026 Fees"],"aprs":[{"displayText":"See Pay Over Time APR","maxValue":999,"minValue":999,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"29.74% Variable","maxValue":29.74,"minValue":29.74,"name":"Ongoing Cash Advance APR","rateType":"variable"},{"displayText":"See Rates \u0026 Fees","maxValue":999,"minValue":999,"name":"Ongoing Penalty APR","rateType":"variable"}],"barker":" Best for dining at restaurants","brand":"American Express","categorySeperator":null,"cons":["Not as useful for those living outside the U.S.","Some may have trouble using Uber and other dining credits"],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/87ce2390-9d21-11ef-9a6e-b1df6310cacd.png","introBonus":{"description":"Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.","offer":"60,000 points","previousValue":""},"lastUpdated":"2024-11-11 16:06:20","limitedTimeOffer":null,"monetized":true,"moreDetails":["Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.","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.","Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.","Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.","Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.","$120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year. Effective 11/8/2024, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit.","$84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations.","$100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.","$120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.","Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges with every booking of two nights or more through AmexTravel.com. Eligible charges vary by property.","No Foreign Transaction Fees.","Annual Fee is $325.","Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.","Terms Apply."],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/6344/","pdpUrl":null,"pros":["4 points per dollar spent on dining at restaurants and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)","3 points per dollar spent on flights booked directly with the airline or with amextravel.com","Packed with credits foodies will enjoy","Solid welcome bonus"],"recommendedCredit":{"description":"Excellent/Good","range":"670-850"},"reviewLink":"https://thepointsguy.com/credit-cards/american-express/amex-gold-card-review/","rewardsRates":{"multipliers":[{"description":"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.","multiplier":"4X"},{"description":"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.","multiplier":"4X"},{"description":"Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.","multiplier":"3X"},{"description":"Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.","multiplier":"2X"},{"description":"Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.","multiplier":"1X"}],"overview":"1 - 4X points"},"superlative":null,"termsAndConditions":"https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/gold-card/26129-10-0/?print#terms-details","title":"American Express® Gold Card","tpgRating":4,"whyWeChoseItOverride":"There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel.\r\n\r\nPaired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, Gold Card must be added to Uber app, can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin locations, and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits."},{"ID":"221211973","annualFee":"$95","apr":["20.74% - 26.74% Variable","20.74% - 26.74% Variable","29.74% Variable","Up to 29.99%"],"aprs":[{"displayText":"20.74% - 26.74% Variable","maxValue":26.74,"minValue":20.74,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"20.74% - 26.74% Variable","maxValue":26.74,"minValue":20.74,"name":"Ongoing Balance Transfer APR","rateType":"variable"},{"displayText":"29.74% Variable","maxValue":29.74,"minValue":29.74,"name":"Ongoing Cash Advance APR","rateType":"variable"},{"displayText":"Up to 29.99%","maxValue":29.99,"minValue":29.99,"name":"Ongoing Penalty APR","rateType":"variable"}],"barker":"BEST FOR EARNING POINTS ON BUSINESS EXPENSES","brand":"Chase","categorySeperator":null,"cons":["High spending needed to get the welcome bonus","Subject to Chase's 5/24 rule on card applications"],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/dbb16cd0-f075-11eb-99d8-ddd3faec9ad4.png","introBonus":{"description":"Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.","offer":"Earn 90,000 bonus points","previousValue":""},"lastUpdated":"2024-11-08 15:37:34","limitedTimeOffer":null,"monetized":true,"moreDetails":["Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel\u0026#8480;","Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases","Round-the-clock monitoring for unusual credit card purchases","With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.","Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open","Points are worth 25% more when you redeem for travel through Chase Travel\u0026#8480;","Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.","Member FDIC"],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/221211973/","pdpUrl":null,"pros":["Relevant bonus categories to business owners for a reasonable $95 annual fee","Access to the Chase Ultimate Rewards portal for points redemption","Trip cancellation/interruption insurance, trip delay reimbursement and primary car rental insurance when traveling on business","Additional perks including extended warranty, cellphone protection and purchase protection"],"recommendedCredit":{"description":"Good, Excellent","range":"670-850"},"reviewLink":"https://thepointsguy.com/guide/ink-business-preferred-card-review/","rewardsRates":{"multipliers":[{"description":"Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year","multiplier":"3X"},{"description":"Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn","multiplier":"1X"}],"overview":"1 - 3X points"},"superlative":null,"termsAndConditions":"","title":"Ink Business Preferred® Credit Card","tpgRating":4.5,"whyWeChoseItOverride":"The Ink Business Preferred Credit Card is an excellent all-around business credit card that offers a sizable welcome bonus and the ability to earn valuable Ultimate Rewards points on a variety of business expenses. Those rewards can then be transferred to 11 airline and three hotel partners or redeemed through Chase Travel℠ at a rate of 1.25 cents per point. You can also earn 3 points per dollar spent on the first $150,000 spent in combined purchases for travel, shipping purchases, internet, cable and phone services and advertising purchases made with social media sites and search engines each account anniversary year."},{"ID":"7758","annualFee":"$695","apr":["18.74% - 27.74% Variable","29.99% Variable"],"aprs":[{"displayText":"18.74% - 27.74% Variable","maxValue":27.74,"minValue":18.74,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"29.99% Variable","maxValue":29.99,"minValue":29.99,"name":"Ongoing Penalty APR","rateType":"variable"}],"barker":"Best Business Travel Card","brand":"American Express","categorySeperator":null,"cons":["Steep annual fee","High spend needed for welcome offer.","Limited high-bonus categories outside of travel"],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/402074b0-da80-11eb-a48f-65ac0bb53c5b.png","introBonus":{"description":"Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.","offer":"Earn 150,000 points","previousValue":""},"lastUpdated":"2024-11-08 22:37:37","limitedTimeOffer":null,"monetized":true,"moreDetails":["Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.","5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.","Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software \u0026 cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.","Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.","$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.","$199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.","The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.","$695 Annual Fee.","Terms Apply."],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/7758/","pdpUrl":null,"pros":["$120 statement credit for Global Entry every 4 years or up to $85 TSA PreCheck credit every 4.5 years (enrollment is required)","Up to $400 annual credit for eligible U.S. Dell purchases (enrollment required)","Gold status at Marriott and Hilton hotels (enrollment required)","Access to the Fine Hotels \u0026 Resorts program and Hotel Collection","International Airline Program and Cruise Privileges Program"],"recommendedCredit":{"description":"Good, Excellent","range":"670-850"},"reviewLink":"https://thepointsguy.com/guide/amex-business-platinum-card-review/","rewardsRates":{"multipliers":[{"description":"5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com","multiplier":"5X"},{"description":"Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software \u0026 cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.","multiplier":"1.5X"},{"description":"1X points for each dollar you spend on eligible purchases.","multiplier":"1X"}],"overview":"1 - 5X points"},"superlative":null,"termsAndConditions":"https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/business-platinum-charge-card/61468-AJTnC-0?rwdFlag=rwd/?rwdFlag=rwd#FeeTable","title":"The Business Platinum Card® from American Express","tpgRating":4,"whyWeChoseItOverride":"It's hard to find a card that competes with the mile-long list of benefits that come with the Amex Business Platinum. While it's certainly not the card for the average consumer, a business owner with tons of expenses -- especially related to travel -- will find this card incredibly valuable. This card is similar to the consumer version that Amex offers, but with more business-oriented perks around statement credits and earning rates that are a better fit for business owners."},{"ID":"6217","annualFee":"$0","apr":["0% Intro APR on Purchases for 12 Months","17.99% - 23.99% Variable","17.99% - 23.99% Variable","29.74% Variable","Up to 29.99%"],"aprs":[{"displayText":"0% Intro APR on Purchases for 12 Months","maxValue":0,"minValue":0,"name":"Introductory Purchases APR","rateType":"variable"},{"displayText":"17.99% - 23.99% Variable","maxValue":23.99,"minValue":17.99,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"17.99% - 23.99% Variable","maxValue":23.99,"minValue":17.99,"name":"Ongoing Balance Transfer APR","rateType":"variable"},{"displayText":"29.74% Variable","maxValue":29.74,"minValue":29.74,"name":"Ongoing Cash Advance APR","rateType":"variable"},{"displayText":"Up to 29.99%","maxValue":29.99,"minValue":29.99,"name":"Ongoing Penalty APR","rateType":"variable"}],"barker":"Best for Freelancers","brand":"Chase","categorySeperator":null,"cons":["Lacks bonus categories","High spending requirement to receive the welcome bonus","No conversion to Ultimate Rewards points without holding another eligible Chase card"],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/c16ef160-f077-11eb-99d8-ddd3faec9ad4.png","introBonus":{"description":"Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.","offer":"Earn $750 bonus cash back","previousValue":""},"lastUpdated":"2024-11-08 14:24:54","limitedTimeOffer":null,"monetized":true,"moreDetails":["Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening","Earn unlimited 1.5% cash back on every purchase made for your business","No Annual Fee","Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards\u0026#174.","Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.","Round-the-clock monitoring for unusual credit card purchases","With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.","0% introductory APR for 12 months on purchases","Member FDIC"],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/6217/","pdpUrl":null,"pros":["No annual fee","Flat 1.5% cash back on all purchases","Primary insurance for car rentals","Shopping protections","Cash back can become points when paired with an eligible card"],"recommendedCredit":{"description":"Good, Excellent","range":"670-850"},"reviewLink":"https://thepointsguy.com/reviews/ink-business-unlimited-credit-card-review/","rewardsRates":{"multipliers":[{"description":"Earn unlimited 1.5% cash back on every purchase made for your business","multiplier":"1.5%"}],"overview":"1.5% cash-back"},"superlative":null,"termsAndConditions":"","title":"Ink Business Unlimited® Credit Card","tpgRating":4,"whyWeChoseItOverride":"The Ink Business Unlimited card is a no-annual-fee small business card. Its simple rewards structure is surprisingly valuable and great for earning cash back on business expenses. It can also be paired with another Ultimate Rewards card to convert its cash back into valuable Ultimate Rewards points. Because the card is tailored to small businesses, freelancers and sole proprietors are more likely to be approved."},{"ID":"221212097","annualFee":"$550","apr":["21.99% - 28.99% Variable","21.99% - 28.99% Variable","29.74% Variable","Up to 29.99%"],"aprs":[{"displayText":"21.99% - 28.99% Variable","maxValue":28.99,"minValue":21.99,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"21.99% - 28.99% Variable","maxValue":28.99,"minValue":21.99,"name":"Ongoing Balance Transfer APR","rateType":"variable"},{"displayText":"29.74% Variable","maxValue":29.74,"minValue":29.74,"name":"Ongoing Cash Advance APR","rateType":"variable"},{"displayText":"Up to 29.99%","maxValue":29.99,"minValue":29.99,"name":"Ongoing Penalty APR","rateType":"variable"}],"barker":"BEST PREMIUM TRAVEL CARD FOR VALUE","brand":"Chase","categorySeperator":null,"cons":["Steep $550 annual fee","May not make sense for people that don't travel frequently","The $300 travel credit is not eligible to earn Ultimate Rewards points"],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/cd4e1a20-ca7b-11ee-9db9-8dd34998ba1a.png","introBonus":{"description":"Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.","offer":"60,000 bonus points","previousValue":""},"lastUpdated":"2024-10-15 13:06:36","limitedTimeOffer":null,"monetized":true,"moreDetails":["Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.","$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.","Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining \u0026 1 point per $1 spent on all other purchases","Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.","Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.","1:1 point transfer to leading airline and hotel loyalty programs","Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®","Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.","Member FDIC"],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/221212097/","pdpUrl":null,"pros":["Automatic $300 annual travel credit each account anniversary year","Access to Chase hotel and airline travel partners","Unlimited 3 points per dollar spent on travel and dining purchases","50% more value when you redeem your points for travel through Chase Travel℠","Broad definitions for travel and dining bonus categories","No foreign transaction fee"],"recommendedCredit":{"description":"Excellent","range":"740-850"},"reviewLink":"https://thepointsguy.com/guide/chase-sapphire-reserve-review/","rewardsRates":{"multipliers":[{"description":"Earn 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠.","multiplier":"10x"},{"description":"Earn 5x total points on flights through Chase Travel℠.","multiplier":"5x"},{"description":"Earn 3x points on other travel and dining.","multiplier":"3x"},{"description":"Earn 1 point per $1 spent on all other purchases.","multiplier":"1x"}],"overview":"1 - 10X points"},"superlative":null,"termsAndConditions":"","title":"Chase Sapphire Reserve®","tpgRating":4.5,"whyWeChoseItOverride":"If you’re searching for your next — or first premium card — the Chase Sapphire Reserve is an excellent choice. Chase Ultimate Rewards points are easy to redeem, with a range of 11 airline and three hotel transfer partners. Though the Sapphire Reserve features a hefty annual fee, Chase consistently adds new benefits to keep the card competitive in a fierce premium rewards field."},{"ID":"7763","annualFee":"$375","apr":["0% on purchases for 6 months from the date of account opening","18.74% - 27.74% Variable","29.99% Variable"],"aprs":[{"displayText":"0% on purchases for 6 months from the date of account opening","maxValue":0,"minValue":0,"name":"Introductory Purchases APR","rateType":"variable"},{"displayText":"18.74% - 27.74% Variable","maxValue":27.74,"minValue":18.74,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"29.99% Variable","maxValue":29.99,"minValue":29.99,"name":"Ongoing Penalty APR","rateType":"variable"}],"barker":"BEST FOR BUSINESSES WHO WANT CUSTOMIZED REWARDS","brand":"American Express","categorySeperator":null,"cons":["$375 annual fee","There may be better options for small businesses who don't spend a lot"],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/66730280-4aa4-11ef-a7e9-4faf0abfb06f.png","introBonus":{"description":"Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*","offer":"Earn 100,000 points","previousValue":""},"lastUpdated":"2024-11-08 22:15:07","limitedTimeOffer":{"callouts":[],"color":"phx-gradient-quaternary","previousBonus":"","text":"ELEVATED BONUS OFFER"},"monetized":true,"moreDetails":["Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*","0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.74% to 27.74% variable APR.*","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 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*","Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.","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.*","The Business Gold Card now comes in three metal designs: Gold, Rose Gold and Limited Edition White Gold. White Gold design is only available while supplies last. Make your selection when you apply on Americanexpress.com.","*Terms Apply"],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/7763/","pdpUrl":null,"pros":["Earn 4 Membership Rewards points per dollar spent in the top two spend categories each billing cycle (on the first $150,000 in combined purchases each calendar year, then 1 point per dollar spent thereafter)","This card comes with a solid welcome offer","Walmart+ monthly statement credit (subject to auto renewal; plus ups not eligible)","Monthly flexible business credit"],"recommendedCredit":{"description":"Excellent/Good","range":"670-850"},"reviewLink":"https://thepointsguy.com/guide/amex-business-gold-card-review/","rewardsRates":{"multipliers":[{"description":"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.*","multiplier":"4X"},{"description":"Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*","multiplier":"3X"},{"description":"1X is earned for other purchases. **","multiplier":"1X"}],"overview":"1 - 4X points"},"superlative":null,"termsAndConditions":"https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/businessgold-card/42732-9-0?key=tncBody\u0026rwdFlag=rwd","title":"American Express® Business Gold Card","tpgRating":3.5,"whyWeChoseItOverride":"If your business does a lot of spending, you can probably justify spending the $375 annual fee that’s associated with the American Express Business Gold card. This card allows you to earn points in the top two categories in which you spend the most each billing cycle. If you max out the categories each year, you could walk away with 600,000 Membership Rewards points annually.\r\n\r\nAmex has several airline and hotel partners you can transfer points to and often offers limited-time transfer bonuses that you can take advantage of to increase the value of existing points."},{"ID":"10645","annualFee":"$95","apr":["20.49%, 25.49%, or 29.49% Variable APR","20.49%, 25.49%, or 29.49% Variable APR","Refer to Important Credit Terms","None"],"aprs":[{"displayText":"20.49%, 25.49%, or 29.49% Variable APR","maxValue":29.49,"minValue":20.49,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"20.49%, 25.49%, or 29.49% Variable APR","maxValue":29.49,"minValue":20.49,"name":"Ongoing Balance Transfer APR","rateType":"variable"},{"displayText":"Refer to Important Credit Terms","maxValue":999,"minValue":999,"name":"Ongoing Cash Advance APR","rateType":"variable"},{"displayText":"None","maxValue":999,"minValue":999,"name":"Ongoing Penalty APR","rateType":"variable"}],"barker":"Best for earning Wells Fargo rewards","brand":"Wells Fargo","categorySeperator":null,"cons":["The Wells Fargo transfer program has only a handful of partners, limiting your redemption options (though the list of partners has a chance to keep growing).","The card also has a $95 annual fee."],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/c0e47ed0-6f7d-11ef-88db-67757e6c8737.png","introBonus":{"description":"Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.","offer":"60,000 bonus points","previousValue":""},"lastUpdated":"2024-11-14 17:36:41","limitedTimeOffer":null,"monetized":true,"moreDetails":["Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.","Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.","Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases.","$95 annual fee.","Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.","Earn a $50 annual statement credit with $50 minimum airline purchase.","Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.","Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge."],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/10645/","pdpUrl":null,"pros":["This card comes with valuable earnings rates and a handful of transfer partners — a first for Wells Fargo — along with a number of perks that make the card worth a look."],"recommendedCredit":{"description":"Excellent/Good","range":"670-850"},"reviewLink":"https://thepointsguy.com/credit-cards/wells-fargo/reviews/wells-fargo-autograph-journey-card-review/","rewardsRates":{"multipliers":[{"description":"Earn unlimited 5X points on hotels","multiplier":"5X"},{"description":"Earn unlimited 4X points on airlines","multiplier":"4X"},{"description":"Earn unlimited 3X points on other travel and restaurants","multiplier":"3X"},{"description":"Earn 1X points on other purchases","multiplier":"1X"}],"overview":"1 - 5X points"},"superlative":null,"termsAndConditions":"https://click.linksynergy.com/fs-bin/click?id=pngc6t7Ewoo\u0026offerid=1583053.856\u0026type=3\u0026subid=0\u0026u1=[TRANS_ID]","title":"Wells Fargo Autograph Journey℠ Card","tpgRating":3,"whyWeChoseItOverride":"The Wells Fargo Autograph Journey is a promising offering from the burgeoning card issuer, one that figures to become more valuable if its list of transfer partners continues to grow."},{"ID":"7760","annualFee":"No annual fee","apr":["0% on purchases for 12 months from date of account opening","17.74% - 25.74% Variable","29.99% Variable"],"aprs":[{"displayText":"0% on purchases for 12 months from date of account opening","maxValue":0,"minValue":0,"name":"Introductory Purchases APR","rateType":"variable"},{"displayText":"17.74% - 25.74% Variable","maxValue":25.74,"minValue":17.74,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"29.99% Variable","maxValue":29.99,"minValue":29.99,"name":"Ongoing Penalty APR","rateType":"variable"}],"barker":"BEST FOR SMALL BUSINESSES THAT SPEND UNDER $50,000 EACH YEAR","brand":"American Express","categorySeperator":null,"cons":["2 points per dollar spent earning rate is capped at $50,000 per calendar year; then 1 point per dollar spent thereafter","No higher bonus categories for business-related spending"],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/8218b090-9894-11eb-be9c-9790947db9db.jpg","introBonus":{"description":"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.","offer":"15,000 Membership Rewards® points","previousValue":""},"lastUpdated":"2024-11-08 22:49:30","limitedTimeOffer":null,"monetized":true,"moreDetails":["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, 17.74% - 25.74%, 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 beyond 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."],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/7760/","pdpUrl":null,"pros":["No annual fee","Earn Membership Rewards points","Transfer points to 22 airline and hotel partners"],"recommendedCredit":{"description":"Excellent, Good","range":"670-850"},"reviewLink":"https://thepointsguy.com/guide/blue-business-plus-amex-card-review/","rewardsRates":{"multipliers":[{"description":"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.","multiplier":"2X"}],"overview":"2X points"},"superlative":null,"termsAndConditions":"https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/bluebusinessplus-credit-card/61468-9-0?rwdFlag=rwd/?rwdFlag=rwd#FeeTable","title":"The Blue Business® Plus Credit Card from American Express","tpgRating":4,"whyWeChoseItOverride":"Annual fees are not for everyone, and the Amex Blue Business Plus makes credit card rewards approachable for new business owners who can’t justify adding yet another cost to their long list of expenses. With no annual fee, a simple rewards rate and access to the Amex Membership Rewards program, the Blue Business Plus is a popular choice for small businesses."},{"ID":"22036110","annualFee":"$0 intro annual fee for the first year, then $95.","apr":["0% on purchases for 12 months","18.49%-29.49% Variable","0% on balance transfers for 12 months","18.49%-29.49% Variable","29.74% Variable","29.99% Variable"],"aprs":[{"displayText":"0% on purchases for 12 months","maxValue":0,"minValue":0,"name":"Introductory Purchases APR","rateType":"variable"},{"displayText":"18.49%-29.49% Variable","maxValue":29.49,"minValue":18.49,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"0% on balance transfers for 12 months","maxValue":0,"minValue":0,"name":"Introductory Balance Transfer APR","rateType":"variable"},{"displayText":"18.49%-29.49% Variable","maxValue":29.49,"minValue":18.49,"name":"Ongoing Balance Transfer APR","rateType":"variable"},{"displayText":"29.74% Variable","maxValue":29.74,"minValue":29.74,"name":"Ongoing Cash Advance APR","rateType":"variable"},{"displayText":"29.99% Variable","maxValue":29.99,"minValue":29.99,"name":"Ongoing Penalty APR","rateType":"variable"}],"barker":"BEST FOR GROCERIES AND U.S. STREAMING CASH BACK","brand":"American Express","categorySeperator":null,"cons":["You’ll have to pay a foreign transaction fee on international purchases, so it’s not a great choice when you’re traveling abroad"],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/ede1f860-726a-11e9-ad1f-e3d0fefdcf91.png","introBonus":{"description":"Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.","offer":"Earn $250","previousValue":""},"lastUpdated":"2024-11-11 15:58:08","limitedTimeOffer":null,"monetized":true,"moreDetails":["Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.","$0 intro annual fee for the first year, then $95.","Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.","Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 18.49% - 29.49%.","6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).","6% Cash Back on select U.S. streaming subscriptions.","3% Cash Back at U.S. gas stations.","3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).","1% Cash Back on other purchases.","Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.","$84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.","Terms Apply.","\u003ca href=\"https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/blue-cash-preferred-credit-card/26129-10-0/\" target=\"blank\"\u003e See Rates \u0026amp; Fees\u003c/a\u003e"],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/22036110/","pdpUrl":null,"pros":["This card has one of the best earning structures out there for cash-back credit cards","The card does come with access to Amex Offers (enrollment required), which can save you even more money on specific purchases","The Blue Cash Preferred is a cash-back workhorse when you maximize high-earning spend categories"],"recommendedCredit":{"description":"Excellent, Good","range":"670-850"},"reviewLink":"https://thepointsguy.com/guide/blue-cash-preferred-american-express-credit-card-review/","rewardsRates":{"multipliers":[{"description":"6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)","multiplier":"6%"},{"description":"6% Cash Back on select U.S. streaming subscriptions","multiplier":"6%"},{"description":"3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more","multiplier":"3%"},{"description":"3% Cash Back at U.S. gas stations","multiplier":"3%"},{"description":"1% Cash Back on other purchases","multiplier":"1%"}],"overview":"1 - 6% cash-back"},"superlative":null,"termsAndConditions":"https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/blue-cash-preferred-credit-card/26129-10-0/","title":"Blue Cash Preferred® Card from American Express","tpgRating":4,"whyWeChoseItOverride":"If you like cash back and spend a lot on groceries at U.S. supermarkets, you can’t get much better than the Blue Cash Preferred. This card offers 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%)."},{"ID":"22105773","annualFee":"$0","apr":["0% intro on purchases for 15 months","19.74% - 29.74% (Variable)","0% intro on balance transfers for 15 months","19.74% - 29.74% (Variable)","29.74% (Variable)","None"],"aprs":[{"displayText":"0% intro on purchases for 15 months","maxValue":0,"minValue":0,"name":"Introductory Purchases APR","rateType":"intro on purchases"},{"displayText":"19.74% - 29.74% (Variable)","maxValue":29.74,"minValue":19.74,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"0% intro on balance transfers for 15 months","maxValue":0,"minValue":0,"name":"Introductory Balance Transfer APR","rateType":"intro on balance transfers"},{"displayText":"19.74% - 29.74% (Variable)","maxValue":29.74,"minValue":19.74,"name":"Ongoing Balance Transfer APR","rateType":"variable"},{"displayText":"29.74% (Variable)","maxValue":29.74,"minValue":29.74,"name":"Ongoing Cash Advance APR","rateType":"variable"},{"displayText":"None","maxValue":0,"minValue":0,"name":"Ongoing Penalty APR","rateType":"fixed"}],"barker":"BEST NO-ANNUAL-FEE TRAVEL CARD","brand":"Capital One","categorySeperator":null,"cons":["Capital One airline transfer partners do not include any large U.S. airlines"],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/596ce980-6f88-11ef-88db-67757e6c8737.png","introBonus":{"description":"Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel","offer":"20,000 miles","previousValue":""},"lastUpdated":"2024-11-21 16:14:43","limitedTimeOffer":null,"monetized":true,"moreDetails":["$0 annual fee and no foreign transaction fees","Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel","Earn unlimited 1.25X miles on every purchase, every day","Miles won't expire for the life of the account and there's no limit to how many you can earn","Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options","Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel","Transfer your miles to your choice of 15+ travel loyalty programs","Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.74% - 29.74% variable APR after that; balance transfer fee applies"],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/22105773/","pdpUrl":null,"pros":["No annual fee","Earn 1.25 miles on all purchases","No foreign transaction fees"],"recommendedCredit":{"description":"Excellent, Good","range":"670-850"},"reviewLink":"https://thepointsguy.com/credit-cards/reviews/credit-card-review-the-capital-one-ventureone-rewards-credit-card/","rewardsRates":{"multipliers":[{"description":"5 Miles per dollar on hotels and rental cars booked through Capital One Travel","multiplier":"5 Miles"},{"description":"1.25 Miles per dollar on every purchase, every day","multiplier":"1.25 Miles"}],"overview":"1.25 - 5X miles"},"superlative":null,"termsAndConditions":"https://d25970n8puso9u.cloudfront.net/disclosure.30769.en-US.pdf","title":"Capital One VentureOne Rewards Credit Card","tpgRating":3,"whyWeChoseItOverride":"The world of points, miles and credit cards can be difficult to enter, especially when many travel cards come with hefty annual fees or multiple bonus-earning categories to memorize. Luckily for budding travelers, the Capital One VentureOne is a no-annual-fee travel card that allows cardmembers to earn 1.25 miles per dollar spent on every purchase and 5 miles per dollar spent on hotels and rental cars booked through Capital One Travel. These earning rates are also coupled with an easy-to-earn welcome bonus of 20,000 miles once you spend $500 within the first three months from account opening."},{"ID":"22034414","annualFee":"$0 introductory annual fee for the first year, then $150.","apr":["20.24%-29.24% Variable","29.74% Variable","29.99% Variable"],"aprs":[{"displayText":"20.24%-29.24% Variable","maxValue":29.24,"minValue":20.24,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"29.74% Variable","maxValue":29.74,"minValue":29.74,"name":"Ongoing Cash Advance APR","rateType":"variable"},{"displayText":"29.99% Variable","maxValue":29.99,"minValue":29.99,"name":"Ongoing Penalty APR","rateType":"variable"}],"barker":"BEST DELTA CARD FOR INFREQUENT FLYERS","brand":"American Express","categorySeperator":null,"cons":["There are better Delta cards if you want lounge access or a boost to earn elite status"],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/342b5410-439e-11ea-8e7b-9565a5e3b5a2.png","introBonus":{"description":"Earn 50,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership.","offer":"Earn 50,000 Bonus Miles","previousValue":""},"lastUpdated":"2024-11-11 16:16:57","limitedTimeOffer":null,"monetized":true,"moreDetails":["Earn 50,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership.","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.","Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S. Earn 1X Miles on all other eligible purchases.","You can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip 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.","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.","With Send \u0026 Split®, you can send money and split your Card purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today.","Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.","Terms Apply.","\u003ca href=\"https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/delta-skymiles-gold-american-express-card/26129-10-0#offer-terms\" target=\"blank\"\u003eSee Rates \u0026amp; Fees\u003c/a\u003e"],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/22034414/","pdpUrl":null,"pros":["First checked bag free for you and up to eight companions","Priority boarding","15% discount on all award flights","20% back in the form of a statement credit on inflight purchases (not including Wi-Fi)"],"recommendedCredit":{"description":"Excellent/Good","range":"670-850"},"reviewLink":"https://thepointsguy.com/guide/gold-delta-skymiles-amex-credit-card-review/","rewardsRates":{"multipliers":[{"description":"Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S.","multiplier":"2X"},{"description":"Earn 1X Mile on all other eligible purchases.","multiplier":"1X"}],"overview":"1 - 2X points"},"superlative":null,"termsAndConditions":"https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/delta-skymiles-gold-american-express-card/26129-10-0#offer-terms","title":"Delta SkyMiles® Gold American Express Card","tpgRating":4,"whyWeChoseItOverride":"If you’re not looking for premium airline perks such as lounge access or earning status with Delta through spending, this card is a good option. It allows you to earn SkyMiles toward award travel and to save money with perks such as a free checked bag as well as discounts on inflight purchases. Plus, the card’s low annual fee won’t break the bank."},{"ID":"221410949","annualFee":"$595","apr":["20.49% - 29.49% (Variable)","20.49% - 29.49% (Variable)","29.74% (Variable)","Up to 29.99% (Variable)"],"aprs":[{"displayText":"20.49% - 29.49% (Variable)","maxValue":29.49,"minValue":20.49,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"20.49% - 29.49% (Variable)","maxValue":29.49,"minValue":20.49,"name":"Ongoing Balance Transfer APR","rateType":"variable"},{"displayText":"29.74% (Variable)","maxValue":29.74,"minValue":29.74,"name":"Ongoing Cash Advance APR","rateType":"variable"},{"displayText":"Up to 29.99% (Variable)","maxValue":29.99,"minValue":29.99,"name":"Ongoing Penalty APR","rateType":"variable"}],"barker":"BEST FOR AMERICAN AIRLINES LOUNGE ACCESS","brand":"Citi","categorySeperator":null,"cons":["High annual fee","Miles redemption is limited to American Airlines and its partners","Inflight credit doesn't include Wi-Fi","Have to pay to add authorized users"],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/b0737f60-c268-11ed-b5f1-9954c274724b.webp","introBonus":{"description":"Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first 3 months of account opening.","offer":"70,000 miles","previousValue":""},"lastUpdated":"2024-11-14 14:20:04","limitedTimeOffer":null,"monetized":true,"moreDetails":["Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first 3 months of account opening.","Admirals Club® membership for you and access for up to two guests or immediate family members traveling with you","No Foreign Transaction Fees on purchases","Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases","First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation"],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/221410949/","pdpUrl":null,"pros":["Offers Admirals Club lounge access — cheaper than purchasing a membership","Earns valuable AAdvantage miles for travel on AA and its partners","Boost elite status with Loyalty Points on everyday spending","Free checked bag when traveling domestically","Inflight food and beverage discount","Global Entry/TSA PreCheck fee statement credit"],"recommendedCredit":{"description":"Excellent, Good","range":"670-850"},"reviewLink":"https://thepointsguy.com/guide/citi-aadvantage-executive-review/","rewardsRates":{"multipliers":[{"description":"Earn 4x AAdvantage® miles for every $1 spent on eligible American Airlines purchases.","multiplier":"4X"},{"description":"1 AAdvantage® miles for every $1 spent on other purchases","multiplier":"1X"}],"overview":"1 - 4X miles"},"superlative":null,"termsAndConditions":"https://click.linksynergy.com/fs-bin/click?id=pngc6t7Ewoo\u0026offerid=1585378.3496\u0026type=3\u0026subid=0","title":"Citi® / AAdvantage® Executive World Elite Mastercard®","tpgRating":3,"whyWeChoseItOverride":"The Citi / AAdvantage Executive World Elite Mastercard is the only cobranded credit card that includes a complimentary membership to the American Airlines Admirals Club lounge network. The primary cardmember also enjoys priority check-in (where available), screening (where available) and boarding for themselves and up to eight travel companions. Other perks include a free checked bag for domestic travel, 25% off eligible inflight purchases and an up to $100 statement credit for Global Entry/TSA PreCheck."},{"ID":"8145","annualFee":"$150","apr":["N/A","N/A","N/A","N/A","N/A","None"],"aprs":[{"displayText":"N/A","maxValue":0,"minValue":0,"name":"Introductory Purchases APR","rateType":"fixed"},{"displayText":"N/A","maxValue":0,"minValue":0,"name":"Ongoing Purchases APR","rateType":"fixed"},{"displayText":"N/A","maxValue":0,"minValue":0,"name":"Introductory Balance Transfer APR","rateType":"fixed"},{"displayText":"N/A","maxValue":0,"minValue":0,"name":"Ongoing Balance Transfer APR","rateType":"fixed"},{"displayText":"N/A","maxValue":0,"minValue":0,"name":"Ongoing Cash Advance APR","rateType":"fixed"},{"displayText":"None","maxValue":0,"minValue":0,"name":"Ongoing Penalty APR","rateType":"fixed"}],"barker":"Unlock big cash bonuses for your business","brand":"Capital One","categorySeperator":null,"cons":["The card has a $150 annual fee. ","The required spend to waive credit card fees is very high.","The card’s balance must be paid in full every month. "],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/5eb48ea0-e079-11ee-b6aa-83dad90afdcd.png","introBonus":{"description":"$2,000 cash back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year","offer":"$2,000+ cash back","previousValue":""},"lastUpdated":"2024-11-12 16:28:44","limitedTimeOffer":{"callouts":[],"color":"phx-gradient-quaternary","previousBonus":"","text":"Earn $4,000 or more in cash bonuses"},"monetized":true,"moreDetails":["Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months","Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!","Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions","Enjoy purchasing power that adapts to your business. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors","Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel","Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease","$150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year","Spark Cash Plus has no APR because your balance is due in full every month","For businesses that need large spending capacity and want to maximize cash back"],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/8145/","pdpUrl":null,"pros":["The card features unlimited 2% cash back on every purchase.","It offers a welcome bonus.","Hotels and rental cars booked through Capital One Travel are eligible for 5% cash back. "],"recommendedCredit":{"description":"Excellent","range":"740-850"},"reviewLink":"https://thepointsguy.com/guide/capital-one-spark-cash-plus-review/","rewardsRates":{"multipliers":[{"description":"Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel","multiplier":"5%"},{"description":"Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions","multiplier":"2%"}],"overview":"2 - 5% cash-back"},"superlative":null,"termsAndConditions":"https://d25970n8puso9u.cloudfront.net/disclosure.31023.en-US.pdf","title":"Capital One Spark Cash Plus","tpgRating":3.5,"whyWeChoseItOverride":"The Capital One Spark Cash Plus is a great cash back card for high-spending businesses since it earns unlimited 2% cash back on all purchases. In addition, businesses that spend more than $150,000 annually will have the card’s annual fee of $150 waived. It is a great card for larger businesses looking to earn cash back on their spending. Business owners should be aware that the card must be paid in full every month, so if their businesses typically carry a balance, this is not the card for them. "},{"ID":"7871","annualFee":"$0","apr":["0% intro APR for 12 months from account opening","19.49%, 24.49%, or 29.49% Variable APR","0% intro APR for 12 months from account opening on qualifying balance transfers","19.49%, 24.49%, or 29.49% Variable APR","Refer to Important Credit Terms","None"],"aprs":[{"displayText":"0% intro APR for 12 months from account opening","maxValue":0,"minValue":0,"name":"Introductory Purchases APR","rateType":"variable"},{"displayText":"19.49%, 24.49%, or 29.49% Variable APR","maxValue":29.49,"minValue":19.49,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"0% intro APR for 12 months from account opening on qualifying balance transfers","maxValue":0,"minValue":0,"name":"Introductory Balance Transfer APR","rateType":"variable"},{"displayText":"19.49%, 24.49%, or 29.49% Variable APR","maxValue":29.49,"minValue":19.49,"name":"Ongoing Balance Transfer APR","rateType":"variable"},{"displayText":"Refer to Important Credit Terms","maxValue":999,"minValue":999,"name":"Ongoing Cash Advance APR","rateType":"variable"},{"displayText":"None","maxValue":0,"minValue":0,"name":"Ongoing Penalty APR","rateType":"variable"}],"barker":"BEST FOR WELLS FARGO LOYALISTS SEEKING A SIMPLE CASH-BACK CARD","brand":"Wells Fargo","categorySeperator":null,"cons":["Charges a 3% foreign transaction fee"],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/8ff39f90-5a56-11ef-a7c5-db9b566f392d.png","introBonus":{"description":"Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months","offer":"$200 cash rewards","previousValue":""},"lastUpdated":"2024-11-14 17:32:52","limitedTimeOffer":null,"monetized":true,"moreDetails":["Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.","Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.","Earn unlimited 2% cash rewards on purchases.","0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.49%, 24.49%, or 29.49% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.","$0 annual fee.","No categories to track or remember and cash rewards don't expire as long as your account remains open.","Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.","Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible."],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/7871/","pdpUrl":null,"pros":["No annual fee","Flat 2% cash back reward rate means no bonus category tracking is necessary"],"recommendedCredit":{"description":"Excellent, Good","range":"670-850"},"reviewLink":"https://thepointsguy.com/guide/wells-fargo-active-cash-review/","rewardsRates":{"multipliers":[{"description":"Earn unlimited 2% cash rewards on purchases","multiplier":"2%"}],"overview":"2% cash rewards"},"superlative":null,"termsAndConditions":"https://click.linksynergy.com/fs-bin/click?id=pngc6t7Ewoo\u0026offerid=1618228.918\u0026type=3\u0026subid=0\u0026u1=[TRANS_ID]","title":"Wells Fargo Active Cash® Card","tpgRating":3.5,"whyWeChoseItOverride":"With an unlimited flat 2% cash rewards rate, you can rest assured you’re earning bonus points whether you’re online shopping or paying for salon services. Enjoy other benefits like cell phone protection\u0026nbsp; and access to the Visa Signature® Concierge and Luxury Hotel Collection."},{"ID":"10652","annualFee":"$95","apr":["20.49% - 28.49% (Variable)","20.49% - 28.49% (Variable)","29.74% (Variable)","Up to 29.99% (Variable)"],"aprs":[{"displayText":"20.49% - 28.49% (Variable)","maxValue":28.49,"minValue":20.49,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"20.49% - 28.49% (Variable)","maxValue":28.49,"minValue":20.49,"name":"Ongoing Balance Transfer APR","rateType":"variable"},{"displayText":"29.74% (Variable)","maxValue":29.74,"minValue":29.74,"name":"Ongoing Cash Advance APR","rateType":"variable"},{"displayText":"Up to 29.99% (Variable)","maxValue":29.99,"minValue":29.99,"name":"Ongoing Penalty APR","rateType":"variable"}],"barker":"BEST STARTER TRAVEL CARD","brand":"Citi","categorySeperator":null,"cons":["$95 annual fee","Airline transfer partners mostly include foreign programs (JetBlue is the only U.S. carrier)","It can be difficult to get good value from the $100 annual hotel benefit"],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/cc4c54f0-0d3f-11ef-8061-419b99b523ee.png","introBonus":{"description":"For a limited time, earn 75,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com.","offer":"75,000 bonus points","previousValue":""},"lastUpdated":"2024-11-19 14:06:15","limitedTimeOffer":{"callouts":[],"color":"phx-gradient-quaternary","previousBonus":"","text":"Limited-Time Offer"},"monetized":true,"moreDetails":["For a limited time, earn 75,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com.","Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.","Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.","Earn 1 Point per $1 spent on all other purchases","$100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.","No expiration and no limit to the amount of points you can earn with this card","No Foreign Transaction Fees on purchases"],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/10652/","pdpUrl":null,"pros":["Earn 10 points per dollar spent on hotels, car rentals and attractions when you book through the Citi Travel portal","Earn 3 points per dollar spent at restaurants, supermarkets, gas and EV charging stations and on air travel and other hotel purchases","Enjoy $100 off a single hotel stay of $500 or more, excluding taxes and fees, once per calendar year when you book through cititravel.com","Transfer points to 14 airline programs (including JetBlue), 3 hotel programs (including Wyndham Rewards and Choice Privileges) and one retail program","Get trip delay protection, trip cancellation and interruption protection, lost or damaged luggage protection and MasterRental coverage for car rentals when you use your card for eligible purchases"],"recommendedCredit":{"description":"Excellent, Good","range":"670-850"},"reviewLink":"https://thepointsguy.com/guide/citi-thankyou-premier-review/","rewardsRates":{"multipliers":[{"description":"Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.","multiplier":"10X"},{"description":"Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.","multiplier":"3X"},{"description":"Earn 1 Point per $1 spent on all other purchases","multiplier":"1X"}],"overview":"1 - 10X points"},"superlative":null,"termsAndConditions":"https://click.linksynergy.com/fs-bin/click?id=EhraRx8K/BE\u0026offerid=1707731.3684\u0026type=3\u0026subid=0","title":"Citi Strata Premier℠ Card","tpgRating":4,"whyWeChoseItOverride":"The Citi Strata Premier’s 3 points per dollar spent across a wide range of popular categories is one of the more lucrative offerings in the world of points and miles. The Citi Strata Premier comes with a $95 annual fee and is currently offering a solid welcome bonus of 75,000 points after you spend $4,000 on purchases within the first three months. This welcome bonus is worth $1,350, according to TPG’s valuations. Plus, earn 10 points per dollar spent on hotels, car rentals and attractions when you book through the Citi Travel portal. The card also has some valuable transfer partners to make the most of your rewards, and you’ll get a $100 hotel credit for any single-stay hotel booking that exceeds $500 or more, excluding taxes and fees, when you book through the Citi Travel website."},{"ID":"6268","annualFee":"$149","apr":["20.99% - 27.99% Variable","20.99% - 27.99% Variable","29.74% Variable","Up to 29.99%"],"aprs":[{"displayText":"20.99% - 27.99% Variable","maxValue":27.99,"minValue":20.99,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"20.99% - 27.99% Variable","maxValue":27.99,"minValue":20.99,"name":"Ongoing Balance Transfer APR","rateType":"variable"},{"displayText":"29.74% Variable","maxValue":29.74,"minValue":29.74,"name":"Ongoing Cash Advance APR","rateType":"variable"},{"displayText":"Up to 29.99%","maxValue":29.99,"minValue":29.99,"name":"Ongoing Penalty APR","rateType":"variable"}],"barker":"BEST FOR SOUTHWEST LOYALISTS","brand":"Chase","categorySeperator":null,"cons":["$149 annual fee"],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/c9f4cf10-06a8-11ed-92d2-4352643c3844.png","introBonus":{"description":"Earn a $400 statement credit and 40,000 bonus points after spending $3,000 on purchases in the first 4 months from account opening.","offer":"$400 statement credit + 40,000 pts.","previousValue":""},"lastUpdated":"2024-11-12 14:49:30","limitedTimeOffer":null,"monetized":true,"moreDetails":["Earn a $400 statement credit and 40,000 bonus points after spending $3,000 on purchases in the first 4 months from account opening.","7,500 anniversary points each year.","Earn 3X points on Southwest® purchases.","Earn 2X points on local transit and commuting, including rideshare.","Earn 2X points on internet, cable, and phone services; select streaming.","$75 Southwest® travel credit each year.","No foreign transaction fees.","Member FDIC"],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/6268/","pdpUrl":null,"pros":["$75 annual Southwest travel credit","Four upgraded boardings every year","7,500 points on each cardmember anniversary","25% inflight discount on food, drinks and WiFi","Ability to earn A-List status faster by spending on this card","Travel and purchase protections through Chase"],"recommendedCredit":{"description":"Excellent/Good","range":"670-850"},"reviewLink":"https://thepointsguy.com/guide/southwest-priority-credit-card-review/","rewardsRates":{"multipliers":[{"description":"Earn 3X points on Southwest® purchases.","multiplier":"3X"},{"description":"Earn 2X points on local transit and commuting, including rideshare.","multiplier":"2X"},{"description":"Earn 2X points on internet, cable, and phone services; select streaming.","multiplier":"2X"},{"description":"Earn 2X points on Rapid Rewards® hotel and car rental partners.","multiplier":"2X"},{"description":"Earn 1X points on all other purchases.","multiplier":"1X"}],"overview":"1 - 3X points"},"superlative":null,"termsAndConditions":"","title":"Southwest Rapid Rewards® Priority Credit Card","tpgRating":3.5,"whyWeChoseItOverride":"The Southwest Rapid Rewards Priority Card is Southwest’s most premium option and offers up to 3 points per dollar spent on Southwest purchases plus an anniversary bonus of 7,500 points. With an array of perks like a $75 annual Southwest travel credit, four upgraded boardings per year, 25% inflight savings and the ability to earn Tier Qualifying Points with spending, loyal Southwest flyers should have the Priority card in their wallet."},{"ID":"221012282","annualFee":"$0","apr":["0% intro on purchases for 15 months","19.74% - 29.74% (Variable)","0% intro on balance transfers for 15 months","19.74% - 29.74% (Variable)","29.74% (Variable)","None"],"aprs":[{"displayText":"0% intro on purchases for 15 months","maxValue":0,"minValue":0,"name":"Introductory Purchases APR","rateType":"intro on purchases"},{"displayText":"19.74% - 29.74% (Variable)","maxValue":29.74,"minValue":19.74,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"0% intro on balance transfers for 15 months","maxValue":0,"minValue":0,"name":"Introductory Balance Transfer APR","rateType":"intro on balance transfers"},{"displayText":"19.74% - 29.74% (Variable)","maxValue":29.74,"minValue":19.74,"name":"Ongoing Balance Transfer APR","rateType":"variable"},{"displayText":"29.74% (Variable)","maxValue":29.74,"minValue":29.74,"name":"Ongoing Cash Advance APR","rateType":"variable"},{"displayText":"None","maxValue":0,"minValue":0,"name":"Ongoing Penalty APR","rateType":"fixed"}],"barker":"BEST NO-ANNUAL-FEE CARD FOR FOOD AND ENTERTAINMENT","brand":"Capital One","categorySeperator":null,"cons":["Some cards provide better value with higher reward potential on dining and grocery purchases"],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/80d15850-9088-11ef-9b25-ab59e8af7111.png","introBonus":{"description":"$250 Cash Back after you spend $500 on purchases within 3 months from account opening","offer":"$250 Cash Back","previousValue":""},"lastUpdated":"2024-11-12 16:11:34","limitedTimeOffer":null,"monetized":true,"moreDetails":["For a limited time, earn a $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening","Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases","Earn 8% cash back on Capital One Entertainment purchases","Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply","No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn","0% intro APR on purchases and balance transfers for 15 months; 19.74% - 29.74% variable APR after that; balance transfer fee applies","No foreign transaction fee","No annual fee"],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/221012282/","pdpUrl":null,"pros":["Strong return on common spending categories for a no-annual-fee credit card","Simple earning and redeeming is great for beginners"],"recommendedCredit":{"description":"Excellent, Good","range":"670-850"},"reviewLink":"https://thepointsguy.com/credit-cards/reviews/capital-one-savor-review/","rewardsRates":{"multipliers":[{"description":"8% Cash Back on Capital One Entertainment purchases","multiplier":"8%"},{"description":"5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)","multiplier":"5%"},{"description":"3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services","multiplier":"3%"},{"description":"1% Cash Back on all other purchases","multiplier":"1%"}],"overview":"1 - 8% cash-back"},"superlative":null,"termsAndConditions":"https://d25970n8puso9u.cloudfront.net/disclosure.30978.en-US.pdf","title":"Capital One Savor Cash Rewards Credit Card","tpgRating":3.5,"whyWeChoseItOverride":"The Capital One Savor Cash Rewards Credit Card serves as a great introduction to the world of rewards credit cards. For starters, there’s no annual fee, so you’ll rest easy knowing that you’re at an automatic net positive by opening this card. From there, earn 3% on popular everyday spending categories, which you can redeem for valuable cash-back rewards back in your pocket. If you travel internationally from time to time, you can even bring this card with you, as there are no foreign transaction fees."},{"ID":"22100504","annualFee":"$0","apr":["0% intro on balance transfers for 15 months","0% intro on purchases for 15 months","19.74% - 29.74% (Variable)","29.74% (Variable)","None","19.74% - 29.74% (Variable)"],"aprs":[{"displayText":"0% intro on balance transfers for 15 months","maxValue":0,"minValue":0,"name":"Introductory Balance Transfer APR","rateType":"intro on balance transfers"},{"displayText":"0% intro on purchases for 15 months","maxValue":0,"minValue":0,"name":"Introductory Purchases APR","rateType":"intro on purchases"},{"displayText":"19.74% - 29.74% (Variable)","maxValue":29.74,"minValue":19.74,"name":"Ongoing Balance Transfer APR","rateType":"variable"},{"displayText":"29.74% (Variable)","maxValue":29.74,"minValue":29.74,"name":"Ongoing Cash Advance APR","rateType":"variable"},{"displayText":"None","maxValue":0,"minValue":0,"name":"Ongoing Penalty APR","rateType":"fixed"},{"displayText":"19.74% - 29.74% (Variable)","maxValue":29.74,"minValue":19.74,"name":"Ongoing Purchases APR","rateType":"variable"}],"barker":"BEST FOR STRAIGHTFORWARD CASH-BACK EARNINGS","brand":"Capital One","categorySeperator":null,"cons":["Limited card perks and benefits","Other cards offer more potential and upside when it comes to redeeming cash back"],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/a4b7ce50-5980-11ef-a7c5-db9b566f392d.png","introBonus":{"description":"Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening","offer":"$200","previousValue":""},"lastUpdated":"2024-11-21 15:36:09","limitedTimeOffer":null,"monetized":true,"moreDetails":["Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening","Earn unlimited 1.5% cash back on every purchase, every day","$0 annual fee and no foreign transaction fees","Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply","No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn","0% intro APR on purchases and balance transfers for 15 months; 19.74% - 29.74% variable APR after that; balance transfer fee applies"],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/22100504/","pdpUrl":null,"pros":["Unlimited 1.5% cash back on all purchases","No annual fee","Cash back doesn't expire"],"recommendedCredit":{"description":"Excellent, Good","range":"670-850"},"reviewLink":"https://thepointsguy.com/guide/capital-one-quicksilver-credit-card-review/","rewardsRates":{"multipliers":[{"description":"Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply","multiplier":"5%"},{"description":"Earn unlimited 1.5% cash back on every purchase, every day","multiplier":"1.5%"}],"overview":"1.5 - 5% cash-back"},"superlative":null,"termsAndConditions":"https://d25970n8puso9u.cloudfront.net/disclosure.30743.en-US.pdf","title":"Capital One Quicksilver Cash Rewards Credit Card","tpgRating":3.5,"whyWeChoseItOverride":"Keep things simple and watch your rewards grow over time with an unlimited 1.5% rewards rate that you can convert to cash back. We love that there’s no minimum redemption amount when it comes to redeeming your rewards, meaning that you can apply your earnings immediately to your statement credit and lower your charges."},{"ID":"221210146","annualFee":"$0 Intro for First Year, then $95.","apr":["21.49% - 28.49% Variable","21.49% - 28.49% Variable","29.74% Variable","Up to 29.99%"],"aprs":[{"displayText":"21.49% - 28.49% Variable","maxValue":28.49,"minValue":21.49,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"21.49% - 28.49% Variable","maxValue":28.49,"minValue":21.49,"name":"Ongoing Balance Transfer APR","rateType":"variable"},{"displayText":"29.74% Variable","maxValue":29.74,"minValue":29.74,"name":"Ongoing Cash Advance APR","rateType":"variable"},{"displayText":"Up to 29.99%","maxValue":29.99,"minValue":29.99,"name":"Ongoing Penalty APR","rateType":"variable"}],"barker":"BEST FOR OCCASIONAL UNITED FLYERS","brand":"Chase","categorySeperator":null,"cons":["Other United cards have higher earning rates on some purchases","You might get more use from a transferable points card instead of a cobranded United card"],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/62d94c60-29a7-11ef-b4f7-c5c0eef3d8bb.png","introBonus":{"description":"Limited-time Offer: Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.","offer":"Earn 60,000 bonus miles","previousValue":""},"lastUpdated":"2024-11-14 18:20:54","limitedTimeOffer":null,"monetized":true,"moreDetails":["Limited-time Offer: Earn 60,000 bonus miles","$0 introductory annual fee for the first year, then $95.","2x miles on United® purchases, dining, and hotel stays","Enjoy priority boarding privileges and visit the United Club\u0026#8480; with 2 one-time passes each year for your anniversary","Free first checked bag - a savings of up to $160 per roundtrip. Terms Apply.","Up to $120 Global Entry, TSA PreCheck® or NEXUS fee credit","25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Explorer Card","Member FDIC"],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/221210146/","pdpUrl":null,"pros":["First checked bag free for the cardholder and a companion","Priority boarding","25% off eligible inflight purchases","Up to $120 credit every four years for Global Entry/TSA PreCheck","No foreign transaction fees"],"recommendedCredit":{"description":"Good, Excellent","range":"670-850"},"reviewLink":"https://thepointsguy.com/guide/united-explorer-credit-card-review/","rewardsRates":{"multipliers":[{"description":"2x miles on United® purchases, dining, and hotel stays.","multiplier":"2x"},{"description":"1x mile on all other purchases.","multiplier":"1x"}],"overview":"1 - 2X miles"},"superlative":null,"termsAndConditions":"","title":"United℠ Explorer Card","tpgRating":4,"whyWeChoseItOverride":"This card is geared toward frequent and occasional United flyers and offers plenty of elite-like benefits like free checked bags, priority boarding and a discount on in-flight purchases. It also racks up miles at a steady pace on a variety of purchases — including dining and hotels — putting that next award ticket within reach sooner."},{"ID":"22035733","annualFee":"$0","apr":["0% on purchases for 15 months","18.49%-29.49% Variable","0% on balance transfers for 15 months","18.49%-29.49% Variable","29.74% Variable","29.99% Variable"],"aprs":[{"displayText":"0% on purchases for 15 months","maxValue":0,"minValue":0,"name":"Introductory Purchases APR","rateType":"variable"},{"displayText":"18.49%-29.49% Variable","maxValue":29.49,"minValue":18.49,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"0% on balance transfers for 15 months","maxValue":0,"minValue":0,"name":"Introductory Balance Transfer APR","rateType":"variable"},{"displayText":"18.49%-29.49% Variable","maxValue":29.49,"minValue":18.49,"name":"Ongoing Balance Transfer APR","rateType":"variable"},{"displayText":"29.74% Variable","maxValue":29.74,"minValue":29.74,"name":"Ongoing Cash Advance APR","rateType":"variable"},{"displayText":"29.99% Variable","maxValue":29.99,"minValue":29.99,"name":"Ongoing Penalty APR","rateType":"variable"}],"barker":"Best for U.S. Online Shopping","brand":"American Express","categorySeperator":null,"cons":["There is a $6,000 spending cap on the U.S. supermarket bonus category, which may not work for those with larger annual grocery spend","Charges foreign transaction fees"],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/c261dbc0-037a-11ed-90c2-1fdc9912f644.png","introBonus":{"description":"Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.","offer":"Earn $200","previousValue":""},"lastUpdated":"2024-11-11 15:52:52","limitedTimeOffer":null,"monetized":true,"moreDetails":["Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.","No Annual Fee.","Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.49% to 29.49% variable APR.","3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.","3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.","3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.","Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.","Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.","Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.","Terms Apply.","\u003ca href=\"https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/blue-cash-everyday-credit-card/26129-10-0/?print#terms-details\" target=\"blank\"\u003e See Rates \u0026amp; Fees\u003c/a\u003e"],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/22035733/","pdpUrl":null,"pros":["3% cash back at U.S. supermarkets (up to $6,000 in purchases per calendar year; then 1%)","3% cash back at U.S. gas stations and U.S. online retail purchases (up to $6,000 in purchases per calendar year; then 1%)","Access to Amex Offers (enrollment is required), which earn you statement credits or extra points on purchases with a wide variety of merchants"],"recommendedCredit":{"description":"Excellent, Good","range":"670-850"},"reviewLink":"https://thepointsguy.com/guide/amex-blue-cash-everyday-card-review/","rewardsRates":{"multipliers":[{"description":"3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.","multiplier":"3%"},{"description":"3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.","multiplier":"3%"},{"description":"3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.","multiplier":"3%"},{"description":"1% Cash Back on other purchases.","multiplier":"1%"}],"overview":"1 - 3% cash-back"},"superlative":null,"termsAndConditions":"https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/blue-cash-everyday-credit-card/26129-10-0/?print#terms-details","title":"Blue Cash Everyday® Card from American Express","tpgRating":3,"whyWeChoseItOverride":"The Blue Cash Everyday Card is best suited for you if you prefer cash-back rewards over earning points or miles. This card may also be a good fit if you don’t want to pay an annual fee, or you won’t spend more than a couple hundred dollars on your card each month."},{"ID":"6388","annualFee":"$95\n","apr":["20.99% - 27.99% Variable","20.99% - 27.99% Variable","29.74% Variable","Up to 29.99%"],"aprs":[{"displayText":"20.99% - 27.99% Variable","maxValue":27.99,"minValue":20.99,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"20.99% - 27.99% Variable","maxValue":27.99,"minValue":20.99,"name":"Ongoing Balance Transfer APR","rateType":"variable"},{"displayText":"29.74% Variable","maxValue":29.74,"minValue":29.74,"name":"Ongoing Cash Advance APR","rateType":"variable"},{"displayText":"Up to 29.99%","maxValue":29.99,"minValue":29.99,"name":"Ongoing Penalty APR","rateType":"variable"}],"barker":"BEST LOW-FEE HOTEL CARD","brand":"Chase","categorySeperator":null,"cons":["There are better Marriott cards if you want higher tier status or no annual fee"],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/d1fafda0-3781-11ee-88ac-8d33dad17a11.png","introBonus":{"description":"Earn 3 Free Night Awards (each night valued up to 50,000 points) after spending $3,000 on purchases in your first 3 months from account opening with the Marriott Bonvoy Boundless® Credit Card!","offer":"Earn 3 Free Night Awards","previousValue":""},"lastUpdated":"2024-11-21 14:15:15","limitedTimeOffer":null,"monetized":true,"moreDetails":["Earn 3 Free Night Awards (each night valued up to 50,000 points) after qualifying purchases.","Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.","Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.","1 Free Night Award (valued up to 35,000 points) every year after account anniversary.","Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.","Receive 15 Elite Night Credits annually, automatic Silver Elite status, and path to Gold Status when you spend $35,000 on purchases each calendar year.","No Foreign Transaction Fees. Your points don't expire as long as you make purchases on your card every 24 months.","Member FDIC"],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/6388/","pdpUrl":null,"pros":["Annual free night certificate (up to 35,000 points) each cardmember anniversary","Automatic Silver elite status with a pathway to Gold"],"recommendedCredit":{"description":"Excellent/Good","range":"670-850"},"reviewLink":"https://thepointsguy.com/guide/marriott-bonvoy-boundless-credit-card-review/","rewardsRates":{"multipliers":[{"description":"Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.","multiplier":"17X"},{"description":"Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.","multiplier":"3X"},{"description":"2X points for every $1 spent on all other purchases.","multiplier":"2X"}],"overview":"2 - 17X points"},"superlative":null,"termsAndConditions":"","title":"Marriott Bonvoy Boundless® Credit Card","tpgRating":4,"whyWeChoseItOverride":"The Marriott Bonvoy Boundless carries a $95 annual fee but offers plenty of ways to get more value from it year after year. You’ll get automatic Silver elite status, which awards 10% bonus points on stays, and enjoy a pathway to Gold status (with 15 elite night credits each year) to lock in some even better benefits. Cardholders also receive an annual free night certificate (worth up to 35,000 points) each cardmember anniversary. Those who can maximize this certificate can lock in a room with a rate far exceeding the $95 annual fee."},{"ID":"220311078","annualFee":"$0","apr":["20.24%-29.24% Variable","29.74% Variable","29.99% Variable"],"aprs":[{"displayText":"20.24%-29.24% Variable","maxValue":29.24,"minValue":20.24,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"29.74% Variable","maxValue":29.74,"minValue":29.74,"name":"Ongoing Cash Advance APR","rateType":"variable"},{"displayText":"29.99% Variable","maxValue":29.99,"minValue":29.99,"name":"Ongoing Penalty APR","rateType":"variable"}],"barker":"BEST NO-ANNUAL-FEE HOTEL CARD","brand":"American Express","categorySeperator":null,"cons":["Unable to earn a free night award, unlike other Hilton cards"],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/dc14d4b0-8573-11ee-ae33-9baf30a7c7b0.webp","introBonus":{"description":"Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 1/8/2025","offer":"Earn 100,000 points","previousValue":""},"lastUpdated":"2024-11-11 16:09:10","limitedTimeOffer":null,"monetized":true,"moreDetails":["Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 1/8/2025.","Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.","Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.","Earn 3X Points for all other eligible purchases on your Card.","Enjoy complimentary Hilton Honors™ Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors™ Gold status through the end of the next calendar year.","No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.","No Annual Fee.","Terms Apply.","\u003ca href=\"https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/hilton-honors-credit-card/26129-10-0#offer-terms\" target=\"blank\"\u003e See Rates \u0026amp; Fees\u003c/a\u003e"],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/220311078/","pdpUrl":null,"pros":["No annual fee","Complimentary Hilton Honors Silver status","No foreign transaction fees"],"recommendedCredit":{"description":"Excellent/Good","range":"670-850"},"reviewLink":"https://thepointsguy.com/guide/hilton-honors-american-express-review/","rewardsRates":{"multipliers":[{"description":"Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.","multiplier":"7X"},{"description":"Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.","multiplier":"5X"},{"description":"Earn 3X Points for all other eligible purchases on your Card.","multiplier":"3X"}],"overview":"3 - 7X points"},"superlative":null,"termsAndConditions":"https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/hilton-honors-credit-card/26129-10-0#offer-terms","title":"Hilton Honors American Express Card","tpgRating":3,"whyWeChoseItOverride":"The Hilton Honors American Express card offers complimentary Silver elite status and the opportunity to upgrade to Gold by spending $20,000 or more on the card each calendar year. Plus, earn bonus points on Hilton hotels and essential everyday purchases. You can then redeem your Hilton Honors points for free nights at your favorite properties."},{"ID":"6873","annualFee":"$0 introductory annual fee for the first year, then $99.","apr":["21.49% - 28.49% Variable","21.49% - 28.49% Variable","29.74% Variable","Up to 29.99%"],"aprs":[{"displayText":"21.49% - 28.49% Variable","maxValue":28.49,"minValue":21.49,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"21.49% - 28.49% Variable","maxValue":28.49,"minValue":21.49,"name":"Ongoing Balance Transfer APR","rateType":"variable"},{"displayText":"29.74% Variable","maxValue":29.74,"minValue":29.74,"name":"Ongoing Cash Advance APR","rateType":"variable"},{"displayText":"Up to 29.99%","maxValue":29.99,"minValue":29.99,"name":"Ongoing Penalty APR","rateType":"variable"}],"barker":"BEST FOR BUSINESS OWNERS LOYAL TO UNITED","brand":"Chase","categorySeperator":null,"cons":["Redemption options are mostly limited to United and its partners","You might get more use from transferable points instead of United miles"],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/33373120-29b1-11ef-b4f7-c5c0eef3d8bb.png","introBonus":{"description":"Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.","offer":"Earn 75,000 bonus miles","previousValue":""},"lastUpdated":"2024-11-14 19:04:21","limitedTimeOffer":null,"monetized":true,"moreDetails":["Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.","$0 introductory annual fee for the first year, then $99.","2x miles on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.","1x mile on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.","Receive a 5,000-mile \"better together\" bonus each anniversary when you have both the United\u0026#8480; Business Card and a personal Chase United® credit card.","Enjoy a free first checked bag - a savings of up to $160 per roundtrip (terms apply), 2 United Club\u0026#8480; one-time passes per year, and priority boarding privileges.","$100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.","Member FDIC"],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/6873/","pdpUrl":null,"pros":["Earns 2 miles per $1 spent in a variety of categories, including United purchases, dining (including eligible delivery services), gas, office supplies and more","Get a $100 United travel credit after making qualifying purchases within each account anniversary","Earn 25 Premier qualifying points (PQPs) for every $500 in card spending (up to 1,000 PQPs in a calendar year) that can be applied up to Premier 1K elite status","Open employee cards at no additional cost"],"recommendedCredit":{"description":"Excellent/Good","range":"670-850"},"reviewLink":"https://thepointsguy.com/guide/united-business-card-review-benefits-for-small-business-travelers-who-fly-united/","rewardsRates":{"multipliers":[{"description":"2x miles on United® purchases, dining, at gas stations, office supply stores and on local transit and commuting.","multiplier":"2x"},{"description":"1x mile on all other purchases.","multiplier":"1x"}],"overview":"1 - 2X points"},"superlative":null,"termsAndConditions":"","title":"United℠ Business Card","tpgRating":4,"whyWeChoseItOverride":"New cardholders can earn 75,000 bonus miles after spending $5,000 on purchases in the first three months the account is open. Plus, take advantage of bonus earning opportunities on United purchases, dining, gas, office supply stores and local transit and commuting. Other notable earnings benefits include a $100 travel statement credit after you make more than seven United flight-related purchases per account anniversary and 5,000 bonus miles each account anniversary if you also have one of United’s personal credit cards."},{"ID":"6694","annualFee":"$199","apr":["20.99% - 27.99% Variable","20.99% - 27.99% Variable","29.74% Variable","Up to 29.99%"],"aprs":[{"displayText":"20.99% - 27.99% Variable","maxValue":27.99,"minValue":20.99,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"20.99% - 27.99% Variable","maxValue":27.99,"minValue":20.99,"name":"Ongoing Balance Transfer APR","rateType":"variable"},{"displayText":"29.74% Variable","maxValue":29.74,"minValue":29.74,"name":"Ongoing Cash Advance APR","rateType":"variable"},{"displayText":"Up to 29.99%","maxValue":29.99,"minValue":29.99,"name":"Ongoing Penalty APR","rateType":"variable"}],"barker":"BEST FOR FREQUENT SOUTHWEST BUSINESS TRAVELERS","brand":"Chase","categorySeperator":null,"cons":["$199 annual fee"],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/582159d0-06a3-11ed-92d2-4352643c3844.png","introBonus":{"description":"Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.","offer":"Earn 80,000 points.","previousValue":""},"lastUpdated":"2024-10-10 13:41:11","limitedTimeOffer":null,"monetized":true,"moreDetails":["Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.","9,000 bonus points after your Cardmember anniversary.","Earn 4X pts on Southwest® purchases.","Earn 3X points on Rapid Rewards® hotel and car rental partners.","Earn 2X points on rideshare.","Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.","4 Upgraded Boardings per year when available.","Member FDIC"],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/6694/","pdpUrl":null,"pros":["Bonus points on each cardmember anniversary","Up to $120 Global Entry/TSA PreCheck/Nexus fee credit","Upgraded Boardings","Inflight Wi-Fi credits"],"recommendedCredit":{"description":"Excellent/Good","range":"670-850"},"reviewLink":"https://thepointsguy.com/guide/southwest-performance-business-credit-card-review/","rewardsRates":{"multipliers":[{"description":"Earn 4X pts on Southwest® purchases.","multiplier":"4X"},{"description":"Earn 3X points on Rapid Rewards® hotel and car rental partners.","multiplier":"3X"},{"description":"Earn 2X points on rideshare.","multiplier":"2X"},{"description":"Earn 2X points on social media and search engine advertising, internet, cable, and phone services.","multiplier":"2X"},{"description":"1X points on all other purchases.","multiplier":"1X"}],"overview":"1 - 4X points"},"superlative":null,"termsAndConditions":"","title":"Southwest® Rapid Rewards® Performance Business Credit Card","tpgRating":3,"whyWeChoseItOverride":"Tied together with Chase’s expansive travel and purchase protections, this travel card is a terrific product for business owners and frequent flyers."},{"ID":"6156","annualFee":"$99","apr":["20.99% - 27.99% Variable","20.99% - 27.99% Variable","29.74% Variable","Up to 29.99%"],"aprs":[{"displayText":"20.99% - 27.99% Variable","maxValue":27.99,"minValue":20.99,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"20.99% - 27.99% Variable","maxValue":27.99,"minValue":20.99,"name":"Ongoing Balance Transfer APR","rateType":"variable"},{"displayText":"29.74% Variable","maxValue":29.74,"minValue":29.74,"name":"Ongoing Cash Advance APR","rateType":"variable"},{"displayText":"Up to 29.99%","maxValue":29.99,"minValue":29.99,"name":"Ongoing Penalty APR","rateType":"variable"}],"barker":"BEST SUB-$100 SOUTHWEST BUSINESS CARD","brand":"Chase","categorySeperator":null,"cons":["Limited to redeeming for Southwest only"],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/834e0e00-06a3-11ed-92d2-4352643c3844.png","introBonus":{"description":"Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.","offer":"Earn 60,000 points.","previousValue":""},"lastUpdated":"2024-10-10 13:46:33","limitedTimeOffer":null,"monetized":true,"moreDetails":["Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.","6,000 bonus points after your Cardmember anniversary.","Earn 3X points on Southwest Airlines® purchases.","Earn 2X points on Rapid Rewards® hotel and car rental partners.","Earn 2X points on rideshare.","1 point per $1 spent on all other purchases.","2 EarlyBird Check-In® each year.","Member FDIC"],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/6156/","pdpUrl":null,"pros":["6,000 bonus Southwest points each card anniversary","Primary rental car insurance","Lost luggage and trip protection benefits","No foreign transaction fees"],"recommendedCredit":{"description":"Excellent Credit","range":null},"reviewLink":"https://thepointsguy.com/credit-cards/airlines/southwest-airlines/reviews/southwest-premier-business-card-review/","rewardsRates":{"multipliers":[{"description":"Earn 3X pts on Southwest® purchases.","multiplier":"3X"},{"description":"Earn 2X pts on Rapid Rewards® hotel and car rental partners.","multiplier":"2X"},{"description":"Earn 2X pts on local transit and commuting, including rideshare.","multiplier":"2X"},{"description":"Earn 1X pts on all other purchases.","multiplier":"1X"}],"overview":"1 - 3X points"},"superlative":null,"termsAndConditions":"","title":"Southwest® Rapid Rewards® Premier Business Credit Card","tpgRating":3,"whyWeChoseItOverride":"If Southwest is the airline of choice for your business, you’ll want to open a card that will reward you — and the Southwest Rapid Rewards Premier Business Card does just that. This card will help you achieve Southwest elite status faster by granting 1,500 Tier Qualifying Points (TQPs) for every $5,000 spent on the card."},{"ID":"8041","annualFee":"$0","apr":["0% Intro APR for 9 billing cycles for purchases","17.99% - 27.99% Variable APR on purchases and balance transfers","17.99% - 27.99% Variable APR on purchases and balance transfers","28.99% Variable APR for Cash Advances and Convenience Checks"],"aprs":[{"displayText":"0% Intro APR for 9 billing cycles for purchases","maxValue":0,"minValue":0,"name":"Introductory Purchases APR","rateType":"variable"},{"displayText":"17.99% - 27.99% Variable APR on purchases and balance transfers","maxValue":27.99,"minValue":17.99,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"17.99% - 27.99% Variable APR on purchases and balance transfers","maxValue":27.99,"minValue":17.99,"name":"Ongoing Balance Transfer APR","rateType":"variable"},{"displayText":"28.99% Variable APR for Cash Advances and Convenience Checks","maxValue":28.99,"minValue":28.99,"name":"Ongoing Cash Advance APR","rateType":"variable"}],"barker":"Best flat-rate business card for Preferred Rewards for Business members","brand":"Bank of America","categorySeperator":null,"cons":["3% foreign transaction fee. ","There are no bonus earning categories. "],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/108f1340-2fa7-11ee-88ac-8d33dad17a11.png","introBonus":{"description":"Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.","offer":"$300","previousValue":""},"lastUpdated":"2024-10-02 11:58:49","limitedTimeOffer":null,"monetized":true,"moreDetails":["Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.","Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America\u0026reg; business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.","No annual cap and cash rewards don’t expire as long as your account remains open.","No annual fee.","Choose how to redeem your cash rewards – as a deposit into your Bank of America\u0026reg; checking or savings account, as a card statement credit or as a check mailed to you.","0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 17.99% to 27.99% will apply.","Contactless Cards - the security of a chip card, with the convenience of a tap.","This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now."],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/8041/","pdpUrl":null,"pros":["Earns an unlimited 1.5% cash back on all purchases. ","Cash rewards have no expiration date and multiple redemption options.","$300 online statement credit bonus offer when cardholders make at least $3,000 in purchases within the first 90 days of account opening. ","There is no annual fee. ","Bank of America Preferred Rewards for Business members are eligible for elevated rewards earning. "],"recommendedCredit":{"description":"Excellent","range":"740-850"},"reviewLink":"https://thepointsguy.com/guide/bank-of-america-business-advantage-unlimited-review/","rewardsRates":{"multipliers":[{"description":"Earn unlimited 1.5% cash back on purchases.","multiplier":"1.5%"}],"overview":"1.5% cash-back"},"superlative":null,"termsAndConditions":"","title":"Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card","tpgRating":3.5,"whyWeChoseItOverride":"The Bank of America Business Advantage Unlimited Cash Rewards Mastercard is a no-annual-fee business card that offers unlimited 1.5% cashback on all purchases. Bank of America Preferred Rewards for Business members can earn an elevated cash-back rate of up to 2.62%. A 0% introductory APR for nine billing cycles, after that a variable APR of 17.99%-27.99% will apply and a $300 online statement credit bonus offer when cardholders make at least $3,000 in purchases within the first 90 days of account opening.\u0026nbsp;"},{"ID":"6396","annualFee":"$650","apr":["20.24%-29.24% Variable","29.74% Variable","29.99% Variable"],"aprs":[{"displayText":"20.24%-29.24% Variable","maxValue":29.24,"minValue":20.24,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"29.74% Variable","maxValue":29.74,"minValue":29.74,"name":"Ongoing Cash Advance APR","rateType":"variable"},{"displayText":"29.99% Variable","maxValue":29.99,"minValue":29.99,"name":"Ongoing Penalty APR","rateType":"variable"}],"barker":"BEST CARD FOR MARRIOTT LOYALISTS","brand":"American Express","categorySeperator":null,"cons":["Pricey $650 annual fee"],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/0eee0820-3aac-11ed-a318-59cc3384d914.png","introBonus":{"description":"Earn 95,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.","offer":"95,000 Marriott Bonvoy® bonus points","previousValue":""},"lastUpdated":"2024-11-11 16:24:26","limitedTimeOffer":null,"monetized":true,"moreDetails":["Earn 95,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.","$300 Brilliant Dining Credit: Each calendar year, get up to $300 (up to $25 per month) in statement credits for eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card at restaurants worldwide.","With Marriott Bonvoy Platinum Elite status, you can receive room upgrades, including enhanced views or suites, when available at select properties and booked with a Qualifying Rate.","Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®. Earn 3X Marriott Bonvoy® points at restaurants worldwide and on flights booked directly with airlines and 2X Marriott Bonvoy® points on all other eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card.","Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.","Each calendar year after spending $60,000 on eligible purchases on your Marriott Bonvoy Brilliant® American Express® Card, you will be eligible to select a Brilliant Earned Choice Award benefit. You can only earn one Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.","$100 Marriott Bonvoy Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card.","Fee Credit for Global Entry or TSA PreCheck®: Receive either a statement credit every 4 years after you apply for Global Entry ($120) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Marriott Bonvoy Brilliant® American Express® Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.","Each calendar year with your Marriott Bonvoy Brilliant® American Express® Card you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express.","Enroll in Priority Pass™ Select, which offers unlimited airport lounge visits to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.","No Foreign Transaction Fees on international purchases.","With Cell Phone Protection, you can be reimbursed, the lesser of, your repair or replacement costs following damage, such as a cracked screen, or theft for a maximum of $800 per claim when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim with a limit of 2 approved claims per 12-month period. Additional terms and conditions apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.","$650 Annual Fee.","Terms Apply.","\u003ca href=\"https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/marriott-bonvoy-brilliant-card/26129-10-0#offer-terms\" target=\"blank\"\u003e See Rates \u0026amp; Fees\u003c/a\u003e\u003c/li\u003e"],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/6396/","pdpUrl":null,"pros":["Up to $300 in statement credits per calendar year (up to $25 per month) for eligible purchases at restaurants worldwide","1 free night award (up to 85,000 points) every year after your card renewal month; certain hotels have resort fees","Priority Pass Select membership (enrollment required)","Automatic Platinum Elite status"],"recommendedCredit":{"description":"Excellent/Good","range":"670-850"},"reviewLink":"https://thepointsguy.com/guide/marriott-bonvoy-brilliant-amex-card-review/","rewardsRates":{"multipliers":[{"description":"Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®. ","multiplier":"6X"},{"description":"3X Marriott Bonvoy® points at restaurants worldwide and on flights booked directly with airlines.","multiplier":"3X"},{"description":"2X Marriott Bonvoy® points on all other eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card.","multiplier":"2X"}],"overview":"2 - 6X points"},"superlative":null,"termsAndConditions":"https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/marriott-bonvoy-brilliant-card/26129-10-0#offer-terms","title":"Marriott Bonvoy Brilliant® American Express® Card","tpgRating":3.5,"whyWeChoseItOverride":"The Marriott Bonvoy Brilliant American Express card is a good choice for those who spend time at Marriott properties. While it’s not a great choice for everyday spending, this card does earn 6 points per dollar spent on eligible purchases at hotels participating in the Marriott Bonvoy program. You can also redeem Marriott points at more than 8,000 Marriott locations globally."},{"ID":"6975","annualFee":"$525","apr":["21.49% - 28.49% Variable","21.49% - 28.49% Variable","29.74% Variable","Up to 29.99%"],"aprs":[{"displayText":"21.49% - 28.49% Variable","maxValue":28.49,"minValue":21.49,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"21.49% - 28.49% Variable","maxValue":28.49,"minValue":21.49,"name":"Ongoing Balance Transfer APR","rateType":"variable"},{"displayText":"29.74% Variable","maxValue":29.74,"minValue":29.74,"name":"Ongoing Cash Advance APR","rateType":"variable"},{"displayText":"Up to 29.99%","maxValue":29.99,"minValue":29.99,"name":"Ongoing Penalty APR","rateType":"variable"}],"barker":"BEST FOR UNITED LOYALISTS AND FREQUENT FLYERS","brand":"Chase","categorySeperator":null,"cons":["High $525 annual fee"],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/304df4e0-29a6-11ef-b4f7-c5c0eef3d8bb.png","introBonus":{"description":"Limited-time Offer: Earn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.","offer":"Earn 90,000 bonus miles","previousValue":""},"lastUpdated":"2024-11-14 18:18:13","limitedTimeOffer":null,"monetized":true,"moreDetails":["Limited-time Offer: Earn 90,000 bonus miles","4x miles on United® purchases","2x miles on all other travel and dining","1x mile on all other purchases","United Club\u0026#8480; membership - up to $650 value per year","Free first and second checked bags - a savings of up to $360 per roundtrip (terms apply) - and Premier Access® travel services","Earn up to 10,000 Premier qualifying points per calendar year (25 PQP for every $500 you spend on purchases)","Member FDIC"],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/6975/","pdpUrl":null,"pros":["Earn 4 miles per dollar spent on United purchases; 2 miles per dollar spent on travel and dining; 1 mile per dollar spent on everything else","United Club membership for you and your eligible travel companions at all United Club locations and participating Star Alliance lounges worldwide","Up to $120 statement credit for Global Entry/TSA Precheck application every four years","Free first and second checked bags for you and one travel companion on the same reservation","25% inflight statement credit on eligible purchases"],"recommendedCredit":{"description":"Excellent","range":"740-850"},"reviewLink":"https://thepointsguy.com/guide/united-infinite-club-card-review/","rewardsRates":{"multipliers":[{"description":"4x miles on United® purchases","multiplier":"4x"},{"description":"2x miles on all other travel and dining","multiplier":"2x"},{"description":"1x mile on all other purchases","multiplier":"1x"}],"overview":"1 - 4X points"},"superlative":null,"termsAndConditions":"","title":"United Club℠ Infinite Card","tpgRating":3,"whyWeChoseItOverride":"The United Club Infinite card might charge a high annual fee, but it comes with the premium perks to match. Chief among them is United Club membership, which includes access to the airline’s airport lounges as well as those of some of its Star Alliance partners. But cardmembers can also count on other day-of-travel perks such as Premier Access for priority service at the airport, free checked bags and even a Global Entry/TSA PreCheck application fee credit worth up to $120 once every four years."},{"ID":"22079418","annualFee":"$0","apr":["0% Intro APR for 15 billing cycles for purchases","18.74% - 28.74% Variable APR on purchases and balance transfers","0% Intro APR for 15 billing cycles for any BTs made in the first 60 days. A fee of 3% for 60 days from account opening, then 4% will apply.","18.74% - 28.74% Variable APR on purchases and balance transfers","See Terms","up to 29.99% APR"],"aprs":[{"displayText":"0% Intro APR for 15 billing cycles for purchases","maxValue":0,"minValue":0,"name":"Introductory Purchases APR","rateType":"variable"},{"displayText":"18.74% - 28.74% Variable APR on purchases and balance transfers","maxValue":28.74,"minValue":18.74,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"0% Intro APR for 15 billing cycles for any BTs made in the first 60 days. A fee of 3% for 60 days from account opening, then 4% will apply.","maxValue":0,"minValue":0,"name":"Introductory Balance Transfer APR","rateType":"variable"},{"displayText":"18.74% - 28.74% Variable APR on purchases and balance transfers","maxValue":28.74,"minValue":18.74,"name":"Ongoing Balance Transfer APR","rateType":"variable"},{"displayText":"See Terms","maxValue":999,"minValue":999,"name":"Ongoing Cash Advance APR","rateType":"variable"},{"displayText":"up to 29.99% APR","maxValue":29.99,"minValue":29.99,"name":"Ongoing Penalty APR","rateType":"variable"}],"barker":"BEST FOR TRAVEL REWARDS BEGINNERS WHO ALREADY HAVE BOFA ACCOUNTS","brand":"Bank of America","categorySeperator":null,"cons":["Bank of America does not offer airline or hotel transfer partners like other banks such as American Express, Chase or Capital One","No travel and purchase protections"],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/bf6f9140-40f1-11ee-88ac-8d33dad17a11.jpg","introBonus":{"description":"25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.","offer":"25,000 points","previousValue":""},"lastUpdated":"2024-10-02 19:07:32","limitedTimeOffer":null,"monetized":true,"moreDetails":["Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.","25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.","Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.","Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.","0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.74% - 28.74% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.","If you're a Bank of America Preferred Rewards\u0026reg; member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.","Contactless Cards - The security of a chip card, with the convenience of a tap.","This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now."],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/22079418/","pdpUrl":null,"pros":["1.5 points per dollar on all purchases","No annual fee","No foreign transaction fees"],"recommendedCredit":{"description":"Excellent/Good","range":"670-850"},"reviewLink":"https://thepointsguy.com/guide/bank-of-america-travel-rewards-card-simplicity-for-points-beginners/","rewardsRates":{"multipliers":[{"description":"Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.","multiplier":"1.5X"}],"overview":"1.5X points"},"superlative":null,"termsAndConditions":"","title":"Bank of America® Travel Rewards credit card","tpgRating":3,"whyWeChoseItOverride":"The Bank of America Travel Rewards credit card is a great starter card thanks to its no annual fee and no foreign transaction fees when you travel internationally. Earning and redeeming rewards with this card is effortless, with no confusing bonus categories to keep track of and the ability to redeem your points for all of your travel needs."},{"ID":"7840","annualFee":"$650","apr":["20.24% - 29.24% Variable","29.99% Variable"],"aprs":[{"displayText":"20.24% - 29.24% Variable","maxValue":29.24,"minValue":20.24,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"29.99% Variable","maxValue":29.99,"minValue":29.99,"name":"Ongoing Penalty APR","rateType":"variable"}],"barker":"BEST FOR ELITE DELTA FLYERS","brand":"American Express","categorySeperator":null,"cons":["Steep $650 annual fee","Limited earning rates apart from Delta purchases"],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/0f42c4e0-2412-11ef-bab3-196138b9c6eb.jpeg","introBonus":{"description":"Earn 80,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.","offer":"Earn 80,000 Bonus Miles","previousValue":""},"lastUpdated":"2024-11-08 21:58:45","limitedTimeOffer":null,"monetized":true,"moreDetails":["Welcome Offer: Earn 80,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.","Enter Delta Sky Club® at no cost. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.","Earn 3 miles per dollar on eligible Delta purchases.","Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card.","Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.","With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.","Earn up to $10 back each month after using your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers.","Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.","Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.","As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.","When you purchase a Delta flight with your Delta SkyMiles® Reserve Business Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.","Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.","Elevate your travel experience with an annual statement credit of up to $250 after using your Delta SkyMiles® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.","Enjoy travel without foreign transaction fees from American Express with your Delta SkyMiles® Reserve Business American Express Card.","Terms and limitations apply."],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/7840/","pdpUrl":null,"pros":["Access to Delta Sky Clubs when flying the airline","A companion certificate that can be used for a domestic first-class, Delta Comfort+ or main cabin round-trip flight","Earn Medallion Qualification Dollars toward elite status through spending","Multiple statement credits on select purchases"],"recommendedCredit":{"description":"Excellent/Good","range":"670-850"},"reviewLink":"https://thepointsguy.com/guide/delta-reserve-amex-review/","rewardsRates":{"multipliers":[{"description":"Earn 3 miles per dollar on eligible Delta purchases.","multiplier":"3X"}],"overview":"3X points"},"superlative":null,"termsAndConditions":"https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/delta-skymiles-reserve/61468-9-0?key=tncBody\u0026rwdFlag=rwd","title":"Delta SkyMiles® Reserve Business American Express Card","tpgRating":3.5,"whyWeChoseItOverride":"*Effective Feb. 1, 2025, Reserve cardmembers will receive 15 visits per year to the Delta Sky Club; to earn an unlimited number of visits each year starting on Feb. 1, 2025, the total eligible purchases on the card must equal $75,000 or more between Jan. 1, 2024 and Dec. 31, 2024, and each calendar year thereafter."},{"ID":"7815","annualFee":"$0","apr":["0% for 15 months on purchases","18.49% - 28.49% (Variable)","0% for 15 months on balance transfers","18.49% - 28.49% (Variable)","29.74% (Variable)","Up to 29.99% (Variable)"],"aprs":[{"displayText":"0% for 15 months on purchases","maxValue":0,"minValue":0,"name":"Introductory Purchases APR","rateType":"variable"},{"displayText":"18.49% - 28.49% (Variable)","maxValue":28.49,"minValue":18.49,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"0% for 15 months on balance transfers","maxValue":0,"minValue":0,"name":"Introductory Balance Transfer APR","rateType":"variable"},{"displayText":"18.49% - 28.49% (Variable)","maxValue":28.49,"minValue":18.49,"name":"Ongoing Balance Transfer APR","rateType":"variable"},{"displayText":"29.74% (Variable)","maxValue":29.74,"minValue":29.74,"name":"Ongoing Cash Advance APR","rateType":"variable"},{"displayText":"Up to 29.99% (Variable)","maxValue":29.99,"minValue":29.99,"name":"Ongoing Penalty APR","rateType":"variable"}],"barker":"BEST FOR CASH BACK IN A SELECT CATEGORY","brand":"Citi","categorySeperator":null,"cons":["Light on other benefits"],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/9aedd300-bfe7-11eb-a48f-65ac0bb53c5b.png","introBonus":{"description":"Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.","offer":"$200","previousValue":""},"lastUpdated":"2024-11-14 14:07:57","limitedTimeOffer":null,"monetized":true,"moreDetails":["Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.","0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.","Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.","No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.","No Annual Fee","Citi will only issue one Citi Custom Cash® Card account per person."],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/7815/","pdpUrl":null,"pros":["This card allows you to earn up to 5% back on your top spending category each billing cycle up to the first $500 spent","No annual fee"],"recommendedCredit":{"description":"Excellent, Good","range":"670-850"},"reviewLink":"https://thepointsguy.com/guide/citi-custom-cash-review/","rewardsRates":{"multipliers":[{"description":"Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.","multiplier":"5%"},{"description":"Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.","multiplier":"4%"},{"description":"Earn unlimited 1% cash back on all other purchases.","multiplier":"1%"}],"overview":"1 - 5% cash-back"},"superlative":null,"termsAndConditions":"https://click.linksynergy.com/fs-bin/click?id=EhraRx8K/BE\u0026offerid=1638459.3529\u0026type=3\u0026subid=0","title":"Citi Custom Cash® Card","tpgRating":4,"whyWeChoseItOverride":"This card differentiates itself from other options on the market by providing the unique ability to earn up to 5% back on your top spending category each billing cycle on up to the first $500 spent. Whether you’re a credit card newbie or want a card that will help you maximize purchases that don’t fit into other traditional bonus categories, you’ll want to consider adding this pick to your wallet."},{"ID":"221410494","annualFee":"$0","apr":["18.49% - 28.49% (Variable)","0% intro for 18 months on Balance Transfers","18.49% - 28.49% (Variable)","29.74% (Variable)","Up to 29.99% (Variable)"],"aprs":[{"displayText":"18.49% - 28.49% (Variable)","maxValue":28.49,"minValue":18.49,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"0% intro for 18 months on Balance Transfers","maxValue":0,"minValue":0,"name":"Introductory Balance Transfer APR","rateType":"variable"},{"displayText":"18.49% - 28.49% (Variable)","maxValue":28.49,"minValue":18.49,"name":"Ongoing Balance Transfer APR","rateType":"variable"},{"displayText":"29.74% (Variable)","maxValue":29.74,"minValue":29.74,"name":"Ongoing Cash Advance APR","rateType":"variable"},{"displayText":"Up to 29.99% (Variable)","maxValue":29.99,"minValue":29.99,"name":"Ongoing Penalty APR","rateType":"variable"}],"barker":"Best for no-frills cash-back rewards","brand":"Citi","categorySeperator":null,"cons":["No bonus categories","Those looking to make a balance transfer will have to pay 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5)"],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/912a9490-aea0-11ec-81f6-95945bae99c9.jpg","introBonus":{"description":"Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.","offer":"$200 cash back","previousValue":""},"lastUpdated":"2024-11-14 14:16:09","limitedTimeOffer":null,"monetized":true,"moreDetails":["Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.","Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.","Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.","Balance Transfers do not earn cash back. Intro APR does not apply to purchases.","If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.","There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5)."],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/221410494/","pdpUrl":null,"pros":["Earning 2% back on every purchase ","Now that you have the ability to convert rewards to ThankYou points with an eligible card, your redemption options are even more flexible ","No annual fee"],"recommendedCredit":{"description":"Excellent, Good, Fair","range":"580-850"},"reviewLink":"https://thepointsguy.com/guide/citi-double-cash-card-review/","rewardsRates":{"multipliers":[{"description":"Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.","multiplier":"1%"},{"description":"Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.","multiplier":"5%"}],"overview":"1 - 5% cash-back"},"superlative":null,"termsAndConditions":"https://click.linksynergy.com/fs-bin/click?id=pngc6t7Ewoo\u0026offerid=1695157.3645\u0026type=3\u0026subid=0","title":"Citi Double Cash® Card","tpgRating":4,"whyWeChoseItOverride":"If you want a simple cash-back card with no annual fee that’ll let you maximize every purchase, the Citi Double Cash Card is a great pick. Cardholders will earn 2% cash back — 1% at the register when you checkout and 1% when you pay off your bill. You can redeem your rewards by requesting a check, a statement credit or a direct deposit into your Citi checking or savings account."},{"ID":"6338","annualFee":"$70 for the company and $25 per card","apr":["20.74% - 28.74% Variable APR on purchases and balance transfers","20.74% - 28.74% Variable APR on purchases and balance transfers","28.99% Variable APR for Cash Advances and Convenience Checks"],"aprs":[{"displayText":"20.74% - 28.74% Variable APR on purchases and balance transfers","maxValue":28.74,"minValue":20.74,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"20.74% - 28.74% Variable APR on purchases and balance transfers","maxValue":28.74,"minValue":20.74,"name":"Ongoing Balance Transfer APR","rateType":"variable"},{"displayText":"28.99% Variable APR for Cash Advances and Convenience Checks","maxValue":28.99,"minValue":28.99,"name":"Ongoing Cash Advance APR","rateType":"variable"}],"barker":"BEST FOR ALASKA LOYALISTS WHO OWN A BUSINESS","brand":"Bank of America","categorySeperator":null,"cons":["Annual fee","This card features subpar earning rates on some everyday purchases"],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/9e1c6bb0-ea2e-11eb-99d8-ddd3faec9ad4.png","introBonus":{"description":"Get 50,000 bonus miles and Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) after you make $3,000 or more in purchases within the first 90 days of opening your account.","offer":"50,000 miles offer","previousValue":""},"lastUpdated":"2024-10-02 12:01:49","limitedTimeOffer":null,"monetized":true,"moreDetails":["Get 50,000 bonus miles and Alaska's Famous Companion Fare\u0026#8482; ($99 fare plus taxes and fees from $23) after you make $3,000 or more in purchases within the first 90 days of opening your account.","Earn another Alaska's Famous Companion Fare\u0026#8482; ($99 fare plus taxes and fees from $23) each account anniversary after spending $6,000 or more on purchases within the prior anniversary year.","Free checked bag for any cardholder and up to 6 guests on the same reservation when you pay for your flight with your card - that's a savings of $60 per person roundtrip!","Priority Boarding for any cardholder when paying for the flight with an Alaska Airlines Business card.","Earn 3 miles for every $1 spent on eligible Alaska Airlines purchases, 2 miles for every $1 spent on eligible gas, EV charging station, shipping and local transit (including rideshare) purchases and 1 mile for every $1 spent on all other purchases.","Earn a 10% rewards bonus on all miles earned from card purchases if your company has an eligible Bank of America® small business account.","Enjoy 20% back on Alaska Airlines inflight purchases when you pay with your new card.","Get $100 off an annual Alaska Lounge+ Membership purchased with your Alaska Airlines Business card.","Plus, no international transaction fees and a low annual fee of $70 for the company and $25 per card.","This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now."],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/6338/","pdpUrl":null,"pros":["It's fairly easy to earn an Alaska Airlines Companion Fare with this card","Cardholders get priority boarding","No foreign transaction fees"],"recommendedCredit":{"description":"Excellent Credit","range":null},"reviewLink":"https://thepointsguy.com/news/alaska-airlines-visa-business-card-review/","rewardsRates":{"multipliers":[{"description":"Earn 3 miles for every $1 spent on eligible Alaska Airlines purchases.","multiplier":"3 miles"},{"description":"Earn 2 miles for every $1 spent on eligible gas, EV charging station, shipping and local transit (including rideshare) purchases.","multiplier":"2 miles"},{"description":"Earn 1 mile for every $1 spent on all other purchases.","multiplier":"1 mile"}],"overview":"1 - 3X miles"},"superlative":null,"termsAndConditions":"","title":"Alaska Airlines Visa® Business card","tpgRating":4,"whyWeChoseItOverride":"The Alaska Airlines Visa Business card offers great value for frequent flyers of the airline who also happen to be small business owners. Each year you renew your card, you're eligible for Alaska's Companion Fare ($99 fare plus taxes and fees from $23) in addition to perks such as a free checked bag — for you and up to six guests on the same reservation when you pay for your flights with your card - when you fly and 20% back on inflight food, beverage and Wi-Fi purchases when you pay using your Alaska card. Cardholders also enjoy no foreign transaction fees when they're abroad, making this a great card to have in your wallet if you frequently travel overseas."},{"ID":"22069416","annualFee":"$0","apr":["0% Intro APR for 15 billing cycles for purchases","18.74% - 28.74% Variable APR on purchases and balance transfers","0% Intro APR for 15 billing cycles for any BTs made in the first 60 days. A fee of 3% for 60 days from account opening, then 4% will apply.","18.74% - 28.74% Variable APR on purchases and balance transfers","See Terms","Up to 29.99% APR"],"aprs":[{"displayText":"0% Intro APR for 15 billing cycles for purchases","maxValue":0,"minValue":0,"name":"Introductory Purchases APR","rateType":"variable"},{"displayText":"18.74% - 28.74% Variable APR on purchases and balance transfers","maxValue":28.74,"minValue":18.74,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"0% Intro APR for 15 billing cycles for any BTs made in the first 60 days. A fee of 3% for 60 days from account opening, then 4% will apply.","maxValue":0,"minValue":0,"name":"Introductory Balance Transfer APR","rateType":"variable"},{"displayText":"18.74% - 28.74% Variable APR on purchases and balance transfers","maxValue":28.74,"minValue":18.74,"name":"Ongoing Balance Transfer APR","rateType":"variable"},{"displayText":"See Terms","maxValue":999,"minValue":999,"name":"Ongoing Cash Advance APR","rateType":"variable"},{"displayText":"Up to 29.99% APR","maxValue":29.99,"minValue":29.99,"name":"Ongoing Penalty APR","rateType":"variable"}],"barker":"BEST CUSTOMIZABLE CASH-BACK CARD","brand":"Bank of America","categorySeperator":null,"cons":["Maximum $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then 1%","3% foreign transaction fee"],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/45b282a0-c5c5-11ee-9db9-8dd34998ba1a.jpg","introBonus":{"description":"$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.","offer":"$200","previousValue":""},"lastUpdated":"2024-10-02 12:43:55","limitedTimeOffer":null,"monetized":true,"moreDetails":["$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.","Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.","Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.","If you're a Bank of America Preferred Rewards\u0026reg; member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.","No annual fee and cash rewards don’t expire as long as your account remains open.","0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.74% - 28.74% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.","Contactless Cards - The security of a chip card, with the convenience of a tap.","This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now."],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/22069416/","pdpUrl":null,"pros":["Flexible earning structure (3% cash back in the category of your choice and 2% at grocery stores and wholesale clubs); up to $2,500 in combined purchases per quarter (then 1%)","No annual fee","Rewards don’t expire"],"recommendedCredit":{"description":"Excellent/Good","range":"670-850"},"reviewLink":"https://thepointsguy.com/guide/credit-card-review-bank-of-america-cash-rewards-credit-card-2/","rewardsRates":{"multipliers":[{"description":"Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).","multiplier":"3%"},{"description":"Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).","multiplier":"2%"},{"description":"Earn unlimited 1% on all other purchases.","multiplier":"1%"}],"overview":"1 - 3% cash-back"},"superlative":null,"termsAndConditions":"","title":"Bank of America® Customized Cash Rewards credit card","tpgRating":3.5,"whyWeChoseItOverride":"The Bank of America Customized Cash Rewards card empowers the cardholder to choose their bonus category each quarter (to earn 3% cash back on up to $2,500 in combined purchases per quarter)."},{"ID":"6152","annualFee":"$99","apr":["20.74% - 27.74% Variable","20.74% - 27.74% Variable","29.49% Variable","Up to 29.99%"],"aprs":[{"displayText":"20.74% - 27.74% Variable","maxValue":27.74,"minValue":20.74,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"20.74% - 27.74% Variable","maxValue":27.74,"minValue":20.74,"name":"Ongoing Balance Transfer APR","rateType":"variable"},{"displayText":"29.49% Variable","maxValue":29.49,"minValue":29.49,"name":"Ongoing Cash Advance APR","rateType":"variable"},{"displayText":"Up to 29.99%","maxValue":29.99,"minValue":29.99,"name":"Ongoing Penalty APR","rateType":"variable"}],"barker":"","brand":"Chase","categorySeperator":null,"cons":["Redemption options outside of IHG stays provide low value","Poor transfer rates to airline partners"],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/b2afe080-168b-11ee-9d05-8969f2172cdd.png","introBonus":{"description":"Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening","offer":"Earn 140,000 Bonus Points","previousValue":""},"lastUpdated":"2024-11-21 14:30:59","limitedTimeOffer":null,"monetized":true,"moreDetails":["Earn 140,000 Bonus Points","Enjoy an Anniversary Free Night at IHG Hotels \u0026 Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.","Earn up to 26 total points per $1 spent when you stay at IHG Hotels \u0026 Resorts","Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases","Automatic Platinum Elite status as long as you remain a Premier cardmember","Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 ($120 starting 10/1/24) every 4 years as reimbursement for the application fee charged to your card","IHG One Rewards Bonus points are redeemable at Hotels \u0026 Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels \u0026 Holiday Inn®","Member FDIC"],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/6152/","pdpUrl":null,"pros":["Earn 10 points per dollar spent on purchases at IHG Hotels and Resorts (in addition to the points you'll earn on stays as an IHG elite member)","Enjoy IHG-related perks, including automatic Platinum Elite status for as long as you’re a cardholder, every fourth reward night free on stays of at least four nights when you redeem points and an anniversary night worth up to 40,000 points after every account anniversary","Get up to $50 in United TravelBank Cash each calendar year","Get an up to $100 statement credit (up to $120 starting Oct. 1, 2024) for a NEXUS, Global Entry or TSA PreCheck application fee every four years"],"recommendedCredit":{"description":"Excellent/Good","range":"670-850"},"reviewLink":"https://thepointsguy.com/guide/ihg-premier-credit-card-review/","rewardsRates":{"multipliers":[{"description":"Earn up to 26 total points per $1 spent when you stay at IHG Hotels \u0026 Resorts.","multiplier":"26X"},{"description":"Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants.","multiplier":"5X"},{"description":"Earn 3 points per $1 spent on all other purchases.","multiplier":"3X"}],"overview":"3 - 26X points"},"superlative":null,"termsAndConditions":"","title":"IHG One Rewards Premier Credit Card","tpgRating":4,"whyWeChoseItOverride":"For a $99 annual fee, the IHG One Rewards Premier Credit Card can be an asset in the wallets of IHG loyalists. While the earning potential outside of IHG is relatively low, perks such as the fourth reward night free when redeeming IHG points and an anniversary night after each account anniversary can add a lot of value to any traveler’s wallet."},{"ID":"23159458","annualFee":"$0","apr":["0% Intro APR for 9 billing cycles for purchases","17.99% - 27.99% Variable APR on purchases and balance transfers","17.99% - 27.99% Variable APR on purchases and balance transfers","28.99% Variable APR for Cash Advances and Convenience Checks"],"aprs":[{"displayText":"0% Intro APR for 9 billing cycles for purchases","maxValue":0,"minValue":0,"name":"Introductory Purchases APR","rateType":"variable"},{"displayText":"17.99% - 27.99% Variable APR on purchases and balance transfers","maxValue":27.99,"minValue":17.99,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"17.99% - 27.99% Variable APR on purchases and balance transfers","maxValue":27.99,"minValue":17.99,"name":"Ongoing Balance Transfer APR","rateType":"variable"},{"displayText":"28.99% Variable APR for Cash Advances and Convenience Checks","maxValue":28.99,"minValue":28.99,"name":"Ongoing Cash Advance APR","rateType":"variable"}],"barker":"Best all-around business card for Preferred Rewards for Business members","brand":"Bank of America","categorySeperator":null,"cons":["3% foreign transaction fee. ","Capped earning on bonus categories. ","3% bonus category has to be manually chosen and can only be changed once a month. "],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/cb126100-2fa6-11ee-bf78-57c180bf03f6.png","introBonus":{"description":"Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.","offer":"$300","previousValue":""},"lastUpdated":"2024-10-02 12:00:19","limitedTimeOffer":null,"monetized":true,"moreDetails":["Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.","Earn 3% cash back in the category of your choice: gas stations \u0026 EV charging stations (default), office supply stores, travel, TV/telecom \u0026 wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.","You'll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.","You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for Preferred Rewards for Business Platinum Honors tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.","No annual fee","Choose how to redeem your cash rewards-as a deposit into your Bank of America\u0026reg; checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire as long as your account remains open.","To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.","0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 17.99% to 27.99% will apply.","Contactless Cards - The security of a chip card, with the convenience of a tap.","This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now."],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/23159458/","pdpUrl":null,"pros":["Multiple bonus cash-back categories. ","Unlimited flat-rate cash back on all other purchases. ","There is no annual fee. ","Bank of America Preferred Rewards for Business program members are eligible for elevated rewards earning.","$300 statement credit when cardholders make at least $3,000 in net purchases within 90 days of account opening. "],"recommendedCredit":{"description":"Excellent Credit","range":null},"reviewLink":"https://thepointsguy.com/guide/bank-of-america-business-advantage-cash-rewards-card-review/","rewardsRates":{"multipliers":[{"description":"Earn 3% cash back in the category of your choice (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter).","multiplier":"3%"},{"description":"Earn 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter).","multiplier":"2%"},{"description":"Earn 1% cash back on all other purchases.","multiplier":"1%"}],"overview":"1 - 3% cash-back"},"superlative":null,"termsAndConditions":"","title":"Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card","tpgRating":3.5,"whyWeChoseItOverride":"The Bank of America Business Advantage Customized Cash Rewards Mastercard offers multiple bonus earning categories, such as 3% cash back on a selected bonus category, 2% cash back on dining purchases (on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter) and unlimited 1% cash back on all other purchases. All cash-back rates are eligible for the elevated earnings offered to Bank of America Preferred Rewards for Business program members. The card also features no annual fee,\u0026nbsp; and a $300 statement credit bonus offer when cardholders make at least $3,000 in net purchases within 90 days of account opening."},{"ID":"6229","annualFee":"$95","apr":["20.99% - 27.99% Variable","20.99% - 27.99% Variable","29.74% Variable","Up to 29.99%"],"aprs":[{"displayText":"20.99% - 27.99% Variable","maxValue":27.99,"minValue":20.99,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"20.99% - 27.99% Variable","maxValue":27.99,"minValue":20.99,"name":"Ongoing Balance Transfer APR","rateType":"variable"},{"displayText":"29.74% Variable","maxValue":29.74,"minValue":29.74,"name":"Ongoing Cash Advance APR","rateType":"variable"},{"displayText":"Up to 29.99%","maxValue":29.99,"minValue":29.99,"name":"Ongoing Penalty APR","rateType":"variable"}],"barker":"BEST HOTEL CARD FOR UNMATCHED REDEMPTION RATES","brand":"Chase","categorySeperator":null,"cons":["$95 annual fee","Limited number of Hyatt hotels globally compared to other large hotel brands"],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/d6298300-22c1-11ec-97b1-37a1bb7c2537.png","introBonus":{"description":"Earn up to 60,000 Bonus Points. Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.","offer":"Up to 60,000 Bonus Points","previousValue":""},"lastUpdated":"2024-11-01 14:22:01","limitedTimeOffer":null,"monetized":true,"moreDetails":["Earn up to 60,000 Bonus Points. Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.","Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.","Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort","Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open","Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year","Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card","Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels \u0026 up to 5 Base Points per $1 from Hyatt as a World of Hyatt member","Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships","Member FDIC"],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/6229/","pdpUrl":null,"pros":["Annual free night stay after each card anniversary","Automatic World of Hyatt Discoverist elite status","Up to 9 points total per dollar spent on Hyatt hotels and resorts, including participating restaurants and spas","Ability to earn an additional free night award and higher elite status with certain spend thresholds"],"recommendedCredit":{"description":"Excellent/Good","range":"670-850"},"reviewLink":"https://thepointsguy.com/guide/world-of-hyatt-credit-card-review/","rewardsRates":{"multipliers":[{"description":"Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels \u0026 up to 5 Base Points per $1 from Hyatt as a World of Hyatt member","multiplier":"9X"},{"description":"Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships","multiplier":"2X"}],"overview":"2 - 9X points"},"superlative":null,"termsAndConditions":"","title":"World of Hyatt Credit Card","tpgRating":4,"whyWeChoseItOverride":"Let’s face it: Most hotel cards can feel gimmicky when nightly redemption rates soar into the six digits. Meanwhile, the World of Hyatt program offers the best value possible by allowing members to lock in otherwise expensive properties for reasonable points rates. If you’re a fan of this hotel program (like many TPG staffers are), the World of Hyatt Credit Card is a must-have rewards card. Its everyday earning rates are great, and a free night award each card membership year (up to Category 4) makes this one of the best hotel cards on the market."},{"ID":"8016","annualFee":"$199","apr":["20.99% - 27.99% Variable","20.99% - 27.99% Variable","29.74% Variable","Up to 29.99%"],"aprs":[{"displayText":"20.99% - 27.99% Variable","maxValue":27.99,"minValue":20.99,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"20.99% - 27.99% Variable","maxValue":27.99,"minValue":20.99,"name":"Ongoing Balance Transfer APR","rateType":"variable"},{"displayText":"29.74% Variable","maxValue":29.74,"minValue":29.74,"name":"Ongoing Cash Advance APR","rateType":"variable"},{"displayText":"Up to 29.99%","maxValue":29.99,"minValue":29.99,"name":"Ongoing Penalty APR","rateType":"variable"}],"barker":"BEST FOR BUSINESS OWNERS WHO ARE HYATT LOYALISTS","brand":"Chase","categorySeperator":null,"cons":["This card doesn't offer any free night certificates or automatic status beyond the lowest level"],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/ccf95790-ba6c-11ec-9617-c784b08eface.jpeg","introBonus":{"description":"60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.","offer":"60,000 Bonus Points","previousValue":""},"lastUpdated":"2024-10-15 14:03:53","limitedTimeOffer":null,"monetized":true,"moreDetails":["60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening","Up to 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 on qualified purchases at Hyatt hotels \u0026 up to 5 Base Points per $1 from Hyatt as a World of Hyatt member","2 Bonus Points per $1 spent in your top three spend categories each quarter.","2 Bonus Points per $1 spent on fitness club and gym memberships","1 Bonus Point per $1 spent on all other purchases.","Up to $100 in Hyatt statement credits — spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.","5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.","World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees","Member FDIC"],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/8016/","pdpUrl":null,"pros":["This card can provide serious value to Hyatt loyalists looking to spend their way toward status perks or unlock a 10% bonus points feature","Cardholders can receive up to $100 in statement credits for Hyatt purchases each year"],"recommendedCredit":{"description":"Excellent/Good Credit","range":"670-850"},"reviewLink":"https://thepointsguy.com/credit-cards/hotel/hyatt/world-of-hyatt-business-credit-card-review/","rewardsRates":{"multipliers":[{"description":"Up to 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 on qualified purchases at Hyatt hotels \u0026 up to 5 Base Points per $1 from Hyatt as a World of Hyatt member","multiplier":"9X"},{"description":"2 Bonus Points per $1 spent in your top three spend categories each quarter.","multiplier":"2X"},{"description":"2 Bonus Points per $1 spent on fitness club and gym memberships","multiplier":"2X"},{"description":"1 Bonus Point per $1 spent on all other purchases.","multiplier":"1X"}],"overview":"1 - 9X points"},"superlative":null,"termsAndConditions":"","title":"World of Hyatt Business Credit Card","tpgRating":3.5,"whyWeChoseItOverride":"The World of Hyatt Business Credit Card is a mid-tier hotel credit card that can provide serious value to Hyatt loyalists looking to spend their way toward status perks or unlock a 10% points rebate feature. However, there are trade-offs you should consider before putting that much spending on a credit card that doesn’t offer any free night certificates or automatic status beyond the lowest level. Whether or not this card is for you will entirely depend on whether you want to spend your way toward status or if you’d rather earn more points with another card."},{"ID":"6951","annualFee":"$95","apr":["20.74% - 28.74% Variable APR on purchases and balance transfers","20.74% - 28.74% Variable APR on purchases and balance transfers","See Terms","up to 29.99% APR"],"aprs":[{"displayText":"20.74% - 28.74% Variable APR on purchases and balance transfers","maxValue":28.74,"minValue":20.74,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"20.74% - 28.74% Variable APR on purchases and balance transfers","maxValue":28.74,"minValue":20.74,"name":"Ongoing Balance Transfer APR","rateType":"fixed"},{"displayText":"See Terms","maxValue":999,"minValue":999,"name":"Ongoing Cash Advance APR","rateType":"variable"},{"displayText":"up to 29.99% APR","maxValue":29.99,"minValue":29.99,"name":"Ongoing Penalty APR","rateType":"variable"}],"barker":"BEST FOR ALASKA AIRLINES LOYALISTS","brand":"Bank of America","categorySeperator":null,"cons":["Companion fare requires $6,000 in spending each year (as of January 2023)"],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/0642e810-15eb-11ee-9d05-8969f2172cdd.png","introBonus":{"description":"Get 60,000 bonus miles plus Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) with this offer. To qualify, make $3,000 or more in purchases within the first 90 days of opening your account.","offer":"60,000 bonus miles plus Alaska's Famous Companion Fare™","previousValue":""},"lastUpdated":"2024-10-22 17:11:20","limitedTimeOffer":null,"monetized":true,"moreDetails":["Limited Time Online Offer—60,000 Bonus Miles!","Get 60,000 bonus miles plus Alaska's Famous Companion Fare\u0026#8482; ($99 fare plus taxes and fees from $23) with this offer. To qualify, make $3,000 or more in purchases within the first 90 days of opening your account.","Get Alaska’s Famous Companion Fare\u0026#8482; ($99 fare plus taxes and fees from $23) each account anniversary after you spend $6,000 or more on purchases within the prior anniversary year. Valid on all Alaska Airlines flights booked on alaskaair.com.","Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases. Earn unlimited 2 miles for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit (including ride share) purchases. And earn unlimited 1 mile per $1 spent on all other purchases. And, your miles don’t expire on active accounts.","Earn a 10% rewards bonus on all miles earned from card purchases if you have an eligible Bank of America® account.","Free checked bag and enjoy priority boarding for you and up to 6 guests on the same reservation, when you pay for your flight with your card — Also available for authorized users when they book a reservation too!","With oneworld® Alliance member airlines and Alaska’s Global Partners, Alaska has expanded their global reach to over 1,000 destinations worldwide bringing more airline partners and more ways to earn and redeem miles.","Plus, no foreign transaction fees and a low $95 annual fee.","This online only offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now."],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/6951/","pdpUrl":null,"pros":["Free checked bag for you and up to six guests on your reservation","Alaska discounts, including 20% back on in-flight purchases","No foreign transaction fees"],"recommendedCredit":{"description":"Excellent/Good","range":"670-850"},"reviewLink":"https://thepointsguy.com/guide/alaska-visa-signature-card-review/","rewardsRates":{"multipliers":[{"description":"Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases.","multiplier":"3 miles"},{"description":"Earn unlimited 2 miles for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit (including ride share) purchases.","multiplier":"2 miles"},{"description":"Earn unlimited 1 mile per $1 spent on all other purchases.","multiplier":"1 mile"}],"overview":"1 - 3X points"},"superlative":null,"termsAndConditions":"","title":"Alaska Airlines Visa Signature® credit card","tpgRating":4,"whyWeChoseItOverride":"There are lots of reasons to love the Alaska Airlines Visa credit card, from the free checked bag for you and up to six guests on your reservation, the annual companion fare (after $6,000 in spending the prior anniversary year), and more. Best of all, Alaska miles are some of the most valuable airline currencies out there, thanks to its broad array of partner award options."},{"ID":"7751","annualFee":"$250","apr":["21.49% - 28.49% Variable","21.49% - 28.49% Variable","29.74% Variable","Up to 29.99%"],"aprs":[{"displayText":"21.49% - 28.49% Variable","maxValue":28.49,"minValue":21.49,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"21.49% - 28.49% Variable","maxValue":28.49,"minValue":21.49,"name":"Ongoing Balance Transfer APR","rateType":"variable"},{"displayText":"29.74% Variable","maxValue":29.74,"minValue":29.74,"name":"Ongoing Cash Advance APR","rateType":"variable"},{"displayText":"Up to 29.99%","maxValue":29.99,"minValue":29.99,"name":"Ongoing Penalty APR","rateType":"variable"}],"barker":"BEST FOR OCCASIONAL UNITED FLYERS","brand":"Chase","categorySeperator":null,"cons":["Day-of-travel perks limited to United and some partner flights","Other United cards have higher earning rates on some purchases","You might get more use from transferable points instead of United miles"],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/ace794b0-29a7-11ef-bab3-196138b9c6eb.png","introBonus":{"description":"Limited-time Offer: Earn 70,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.","offer":"Earn 70,000 bonus miles","previousValue":""},"lastUpdated":"2024-11-14 18:14:16","limitedTimeOffer":null,"monetized":true,"moreDetails":["Limited-time Offer: Earn 70,000 bonus miles and 500 PQP","3x miles on United® purchases","2x miles on all other travel, dining, and select streaming services","1x mile on all other purchases","Up to a $125 United® purchase credit and up to 10,000 miles in award flight credits each year (terms apply)","Free first and second checked bags - a savings of up to $360 per roundtrip (terms apply) - and priority boarding","Earn up to 6,000 Premier qualifying points per calendar year (25 PQP for every $500 you spend on purchases)","Member FDIC"],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/7751/","pdpUrl":null,"pros":["Enjoy a $125 annual United purchase credit","Earn 3 miles per dollar spent on United purchases and 2 miles per dollar spent on a variety of other categories","Get a first and second checked bag free for the cardholder and a companion","Get up to two 5,000-mile anniversary award flight credits after you take United award flights booked with your miles","Priority boarding on United- and United Express-operated flights","25% off eligible inflight purchases"],"recommendedCredit":{"description":"Excellent, Good","range":"670-850"},"reviewLink":"https://thepointsguy.com/news/reasons-to-get-united-quest-card/","rewardsRates":{"multipliers":[{"description":"3x miles on United® purchases.","multiplier":"3x"},{"description":"2x miles on dining, select streaming services \u0026 all other travel.","multiplier":"2x"},{"description":"1x mile on all other purchases.","multiplier":"1x"}],"overview":"1 - 3X points"},"superlative":null,"termsAndConditions":"","title":"United Quest℠ Card","tpgRating":4,"whyWeChoseItOverride":"The United Quest Card is an excellent choice for folks who fly United occasionally and can take advantage of benefits like a first and second checked bag free on flights, priority boarding and a 25% discount on inflight food, drink and Wi-Fi purchases. The card’s annual $125 United purchase credit makes up for half its annual fee. You can save on award flight redemptions, too, thanks to two 5,000-mile anniversary award flight credits when you redeem for flights on United or United Express."},{"ID":"8599","annualFee":"$0","apr":["0% intro APR for 12 months from account opening","19.49%, 24.49%, or 29.49% Variable APR","19.49%, 24.49%, or 29.49% Variable APR","Refer to Important Credit Terms","NONE"],"aprs":[{"displayText":"0% intro APR for 12 months from account opening","maxValue":0,"minValue":0,"name":"Introductory Purchases APR","rateType":"variable"},{"displayText":"19.49%, 24.49%, or 29.49% Variable APR","maxValue":29.49,"minValue":19.49,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"19.49%, 24.49%, or 29.49% Variable APR","maxValue":29.49,"minValue":19.49,"name":"Ongoing Balance Transfer APR","rateType":"variable"},{"displayText":"Refer to Important Credit Terms","maxValue":999,"minValue":999,"name":"Ongoing Cash Advance APR","rateType":"variable"},{"displayText":"NONE","maxValue":0,"minValue":0,"name":"Ongoing Penalty APR","rateType":"variable"}],"barker":"BEST FOR VARIETY OF BONUS CATEGORIES","brand":"Wells Fargo","categorySeperator":null,"cons":["Limited fixed-value rewards "],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/65dabfa0-91bb-11ed-8095-8b1b188a6198.jpg","introBonus":{"description":"Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.","offer":"20,000 bonus points","previousValue":""},"lastUpdated":"2024-11-14 18:19:20","limitedTimeOffer":null,"monetized":true,"moreDetails":["Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.","Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.","Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.","$0 annual fee.","0% intro APR for 12 months from account opening on purchases. 19.49%, 24.49%, or 29.49% variable APR thereafter.","Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.","Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.","Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge."],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/8599/","pdpUrl":null,"pros":["Solid bonus categories","No annual fee ","12-month introductory APR offer"," Cell phone protection when you pay your monthly bill with the card (subject to a deductible)"],"recommendedCredit":{"description":"Excellent/Good","range":"670-850"},"reviewLink":"https://thepointsguy.com/guide/wells-fargo-autograph-card-review/","rewardsRates":{"multipliers":[{"description":"Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans.","multiplier":"3X"},{"description":"Earn 1X points on other purchases","multiplier":"1X"}],"overview":"1 - 3X points"},"superlative":null,"termsAndConditions":"https://click.linksynergy.com/fs-bin/click?id=pngc6t7Ewoo\u0026offerid=1461746.807\u0026type=3\u0026subid=0\u0026u1=[TRANS_ID]","title":"Wells Fargo Autograph℠ Card","tpgRating":3,"whyWeChoseItOverride":"The Wells Fargo Autograph Card packs a punch for a no-annual-fee product, with an array of bonus categories, solid perks and straightforward redemption options."},{"ID":"6771","annualFee":"$125","apr":["20.24% - 29.24% Variable","29.74% Variable","29.99% Variable"],"aprs":[{"displayText":"20.24% - 29.24% Variable","maxValue":29.24,"minValue":20.24,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"29.74% Variable","maxValue":29.74,"minValue":29.74,"name":"Ongoing Cash Advance APR","rateType":"variable"},{"displayText":"29.99% Variable","maxValue":29.99,"minValue":29.99,"name":"Ongoing Penalty APR","rateType":"variable"}],"barker":"BEST FOR BUSINESS OWNERS WANTING A FREE NIGHT AWARD","brand":"American Express","categorySeperator":null,"cons":["Airline points transfer ratios are poor","Must spend $60,000 in a year for second free-night award"],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/0371e640-4a62-11ed-98ae-b771ec223ae8.png","introBonus":{"description":"Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership.","offer":"3 Free Night Awards","previousValue":""},"lastUpdated":"2024-11-08 22:28:24","limitedTimeOffer":null,"monetized":true,"moreDetails":["Welcome Offer: Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.","Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member \u0026 a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.","6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.","4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.","2x points on all other eligible purchases.","Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.","Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Marriott Bonvoy Business® American Express® Card.","Terms apply."],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/6771/","pdpUrl":null,"pros":["Earn a free-night award each card renewal year (up to 35,000 points)","Receive 15 elite night credits to jump-start status","Transfer Marriott points to 40+ airlines"],"recommendedCredit":{"description":"Excellent/Good","range":"670-850"},"reviewLink":"https://thepointsguy.com/guide/marriott-bonvoy-business-amex-credit-card-review/","rewardsRates":{"multipliers":[{"description":"6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.","multiplier":"6x"},{"description":"4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.","multiplier":"4x"},{"description":"2x points on all other eligible purchases.","multiplier":"2x"}],"overview":"2 - 6X points"},"superlative":null,"termsAndConditions":"https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/marriott-bonvoy-business-american-express-card/61468-9-0?key=tncBody\u0026rwdFlag=rwd#FeeTable","title":"Marriott Bonvoy Business® American Express® Card","tpgRating":3.5,"whyWeChoseItOverride":"The Marriott Bonvoy Business Amex is a stacked card with a rewards rate that will help you earn bonus points on everyday and business-related purchases. You’ll earn 15 elite night credits each calendar year and receive automatic Gold elite status. Finally, the free night award certificate with a redemption level of 35,000 points or less can get you hundreds of dollars in potential value each year."},{"ID":"10615","annualFee":"$0","apr":["See Terms","See Terms","See Terms","See terms"],"aprs":[{"displayText":"See Terms","maxValue":999,"minValue":999,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"See Terms","maxValue":999,"minValue":999,"name":"Ongoing Balance Transfer APR","rateType":"variable"},{"displayText":"See Terms","maxValue":999,"minValue":999,"name":"Ongoing Cash Advance APR","rateType":"variable"},{"displayText":"See terms","maxValue":0,"minValue":0,"name":"Ongoing Penalty APR","rateType":"variable"}],"barker":"BEST FOR THOSE WHO WANT TO EARN REWARDS ON RENT","brand":"Bilt","categorySeperator":null,"cons":["There's no welcome bonus","You don't earn points if you don't have at least five transactions per statement period"],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/05909990-4fde-11ed-b47c-bfbb560b1ab3.png","introBonus":{"description":"","offer":"","previousValue":""},"lastUpdated":"2024-10-29 15:46:53","limitedTimeOffer":null,"monetized":true,"moreDetails":["$0 Annual Fee","Earn 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year","Earns 3x points on dining","Earn 2x points on travel","Earn 1x points on other purchases","Earn double points on the first of each month (excluding rent, up to 1,000 bonus points)","Use the card 5 times each statement period to earn points","Earn up to 5x Bilt points on Lyft rides when you link your Bilt account and pay with your Bilt card","Point redemptions include airlines, hotels, future rent payments, statement credits, toward a down payment on a home, etc.","Select \"Apply Now\" to learn more about the product features, terms, and conditions","\u003ca href=\"https://www.wellsfargo.com/credit-cards/bilt/terms/\"\u003eRates \u0026amp; Fees\u003c/a\u003e. \u003ca href=\"https://www.biltrewards.com/terms/rewards-and-benefits\"\u003eRewards \u0026amp; Benefits\u003c/a\u003e."],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/10615/","pdpUrl":null,"pros":["You can earn up to 100,000 Bilt Points in a calendar year without any transaction fees when paying rent, even if your landlord doesn't accept credit card payments","The card earns 3 points per dollar spent on dining, 2 points per dollar spent on travel and 1 point per dollar spent on other purchases","No annual fee"],"recommendedCredit":{"description":"Excellent, Good","range":"670-850"},"reviewLink":"https://thepointsguy.com/guide/bilt-mastercard-review/","rewardsRates":{"multipliers":[{"description":"3x points on dining","multiplier":"3X Points"},{"description":"2x points on travel","multiplier":"2X Points"},{"description":"1x points on other purchases","multiplier":"1X Points"},{"description":"Earn 1x points on rent without the transaction fee, up to 100,000 points in a calendar year. When you use the card 5 times each statement period using your Bilt Mastercard, you'll earn points on rent and qualifying net purchases.","multiplier":"1X Points"}],"overview":"1 - 3X points"},"superlative":null,"termsAndConditions":"https://www.wellsfargo.com/credit-cards/bilt/terms/","title":"Bilt Mastercard®","tpgRating":3.5,"whyWeChoseItOverride":"The Bilt Mastercard earns transferable Bilt Points on rent payments (up to 100,000 points in a calendar year), provides quality benefits and has no annual fee. The card also earns bonus Bilt Points in popular spending categories, including dining and travel. Bilt Points can be transferred to 18 airlines and hotel loyalty programs, including Alaska Airlines Mileage Plan and World of Hyatt."},{"ID":"7982","annualFee":"$0","apr":["0% intro APR for 21 months from account opening","17.49%, 23.99%, or 29.24% Variable APR","0% intro APR for 21 months from account opening on qualifying balance transfers","17.49%, 23.99%, or 29.24% Variable APR","Refer to Important Credit Terms","None"],"aprs":[{"displayText":"0% intro APR for 21 months from account opening","maxValue":0,"minValue":0,"name":"Introductory Purchases APR","rateType":"variable"},{"displayText":"17.49%, 23.99%, or 29.24% Variable APR","maxValue":29.24,"minValue":17.49,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"0% intro APR for 21 months from account opening on qualifying balance transfers","maxValue":0,"minValue":0,"name":"Introductory Balance Transfer APR","rateType":"variable"},{"displayText":"17.49%, 23.99%, or 29.24% Variable APR","maxValue":29.24,"minValue":17.49,"name":"Ongoing Balance Transfer APR","rateType":"variable"},{"displayText":"Refer to Important Credit Terms","maxValue":999,"minValue":999,"name":"Ongoing Cash Advance APR","rateType":"variable"},{"displayText":"None","maxValue":0,"minValue":0,"name":"Ongoing Penalty APR","rateType":"variable"}],"barker":"Best for balance transfers","brand":"Wells Fargo","categorySeperator":null,"cons":["No points or cash rewards earning potential.","No welcome bonus."],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/a52bbf50-996f-11ec-81f6-95945bae99c9.png","introBonus":{"description":"","offer":"","previousValue":""},"lastUpdated":"2024-11-14 17:54:14","limitedTimeOffer":null,"monetized":true,"moreDetails":["Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.","0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.49%, 23.99%, or 29.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.","$0 annual fee.","Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.","Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card."],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/7982/","pdpUrl":null,"pros":["No annual fee.","Introductory APR offer of 21 months.","Cell phone protection."],"recommendedCredit":{"description":"Excellent, Good","range":"670-850"},"reviewLink":"https://thepointsguy.com/guide/wells-fargo-reflect-card-review","rewardsRates":{"multipliers":[],"overview":null},"superlative":null,"termsAndConditions":"https://click.linksynergy.com/fs-bin/click?id=pngc6t7Ewoo\u0026offerid=1258979.530\u0026type=3\u0026subid=0\u0026u1=[TRANS_ID]","title":"Wells Fargo Reflect® Card","tpgRating":3,"whyWeChoseItOverride":"If you’re anticipating a large purchase or have existing credit card debt, you can leverage the Wells Fargo Reflect’s credit card offer. There’s no annual fee, and you’ll enjoy a 0% introductory APR on purchases and qualifying balance transfers for 21 months from account opening. After the introductory period, you’ll face a variable APR of 17.49%, 23.99%, or 29.24%, depending on your creditworthiness."},{"ID":"8467","annualFee":"$250","apr":["20.24%-29.24% Variable","29.74% Variable","29.99% Variable"],"aprs":[{"displayText":"20.24%-29.24% Variable","maxValue":29.24,"minValue":20.24,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"29.74% Variable","maxValue":29.74,"minValue":29.74,"name":"Ongoing Cash Advance APR","rateType":"variable"},{"displayText":"29.99% Variable","maxValue":29.99,"minValue":29.99,"name":"Ongoing Penalty APR","rateType":"variable"}],"barker":"BEST FOR MARRIOTT BONVOY GOLD ELITE STATUS","brand":"American Express","categorySeperator":null,"cons":["You have to spend at least $15,000 in eligible purchases (per cardmember year) to earn a free night award","No lounge membership or statement credits for perks like TSA PreCheck/Global Entry"],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/93fe6de0-39f1-11ed-b73c-91712e8727dd.png","introBonus":{"description":"Earn 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership.","offer":"85,000 Marriott Bonvoy bonus points","previousValue":""},"lastUpdated":"2024-11-11 16:27:00","limitedTimeOffer":null,"monetized":true,"moreDetails":["Earn 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership.","Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy.","Earn 4X points at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2X points).","Earn 2X points on all other eligible purchases with the Marriott Bonvoy Bevy™ Card.","Marriott Bonvoy 1K Bonus Points Per Stay: Earn 1,000 Marriott Bonvoy® bonus points per paid eligible stay booked directly with Marriott for properties participating in Marriott Bonvoy.","With complimentary Marriott Bonvoy Gold Elites status, earn up to 2.5X points from Marriott Bonvoy® on eligible hotel purchases with the 25% Bonus Points on stays benefit, available for Qualifying Rates.","Marriott Bonvoy Bevy Free Night Award: Earn 1 Free Night Award after spending $15,000 on eligible purchases on your Marriott Bonvoy Bevy™ Card in a calendar year. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy® points) at a hotel participating in Marriott Bonvoy®. Certain hotels have resort fees.","15 Elite Night Credits: Each calendar year with your Marriott Bonvoy Bevy™ American Express Card® you can receive 15 Elite Night Credits toward the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.","Plan It® is a payment option that lets you split up purchases of $100 or more into equal monthly installments with a fixed fee. Plus, you'll still earn rewards the way you usually do.","$250 Annual Fee.","Terms Apply.","\u003ca href=\"https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/marriott-bonvoy-bevy-card/26129-10-0/#offer-terms\" target=\"blank\"\u003e See Rates \u0026amp; Fees\u003c/a\u003e\u003c/li\u003e"],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/8467/","pdpUrl":null,"pros":["This card offers mid-tier perks for those loyal to Marriott","You'll get automatic Gold Elite status, solid points-earning at Marriott properties and 15 elite night credits each year"],"recommendedCredit":{"description":"Excellent/Good","range":"670-850"},"reviewLink":"https://thepointsguy.com/guide/marriott-bonvoy-bevy-american-express-card-review/","rewardsRates":{"multipliers":[{"description":"Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy.","multiplier":"6X"},{"description":"Earn 4X points at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2X points).","multiplier":"4X"},{"description":"Earn 2X points on all other eligible purchases with the Marriott Bonvoy Bevy™ Card.","multiplier":"2X"}],"overview":"2 - 6X points"},"superlative":null,"termsAndConditions":"https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/marriott-bonvoy-bevy-card/26129-10-0/#offer-terms","title":"Marriott Bonvoy Bevy™ American Express® Card","tpgRating":3,"whyWeChoseItOverride":"This is the first card in the Marriott Bonvoy portfolio at the mid-tier level. Whilst it does give cardmembers automatic Gold status and an elite night credit boost, it struggles to prove its value proposition apart from a generous welcome bonus."},{"ID":"7537","annualFee":"$0","apr":["Up to 29.99%","29.74% Variable","19.99% - 28.74% Variable","0% Intro APR on Balance Transfers for 15 months","19.99% - 28.74% Variable","0% Intro APR on Purchases for 15 months\t"],"aprs":[{"displayText":"Up to 29.99%","maxValue":29.99,"minValue":29.99,"name":"Ongoing Penalty APR","rateType":"variable"},{"displayText":"29.74% Variable","maxValue":29.74,"minValue":29.74,"name":"Ongoing Cash Advance APR","rateType":"variable"},{"displayText":"19.99% - 28.74% Variable","maxValue":28.74,"minValue":19.99,"name":"Ongoing Balance Transfer APR","rateType":"variable"},{"displayText":"0% Intro APR on Balance Transfers for 15 months","maxValue":0,"minValue":0,"name":"Introductory Balance Transfer APR","rateType":"variable"},{"displayText":"19.99% - 28.74% Variable","maxValue":28.74,"minValue":19.99,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"0% Intro APR on Purchases for 15 months\t","maxValue":0,"minValue":0,"name":"Introductory Purchases APR","rateType":"variable"}],"barker":"BEST FOR ROTATING CASH BACK CATEGORIES","brand":"Chase","categorySeperator":null,"cons":["You must remember to activate your bonus categories quarterly","Rewards can only be used for cash back unless you pair it with a Chase Ultimate Rewards card"],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/b215aea0-6177-11eb-be9c-9790947db9db.png","introBonus":{"description":"Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening","offer":"$200","previousValue":""},"lastUpdated":"2024-11-18 18:38:06","limitedTimeOffer":null,"monetized":true,"moreDetails":["Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening","5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!","5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more","3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.","No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!","0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.99%-28.74%.","No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Flex® card","Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.","Member FDIC"],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/7537/","pdpUrl":null,"pros":["No annual fee","High earn rate on rotating categories, as well as everyday spending categories like dining and drugstores","Offers valuable benefits for cardholders, including cell phone protection, extended warranties, trip insurance and food delivery perks","Comes with an intro APR offer"],"recommendedCredit":{"description":"Excellent, Good","range":"670-850"},"reviewLink":"https://thepointsguy.com/guide/chase-freedom-flex-review/","rewardsRates":{"multipliers":[{"description":"5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!","multiplier":"5%"},{"description":"5% cash back on travel purchased through Chase Travel℠.","multiplier":"5%"},{"description":"3% cash back on dining and drugstores.","multiplier":"3%"},{"description":"1% cash back on all other purchases.","multiplier":"1%"}],"overview":"1 - 5% cash-back"},"superlative":null,"termsAndConditions":"","title":"Chase Freedom Flex®","tpgRating":3.5,"whyWeChoseItOverride":"Chase Freedom Flex took the old Chase Freedom card and added new benefits and bonus categories. For a no-annual-fee credit card, it offers an impressive return across a number of spending categories, and it becomes even more valuable when paired with a Chase Ultimate Rewards credit card. It also includes several perks that you typically find with higher-tier cards."},{"ID":"8488","annualFee":"$195","apr":["Flex for Business Variable APR: 18.99% - 26.99%","NONE"],"aprs":[{"displayText":"Flex for Business Variable APR: 18.99% - 26.99%","maxValue":26.99,"minValue":18.99,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"NONE","maxValue":0,"minValue":0,"name":"Ongoing Penalty APR","rateType":"variable"}],"barker":"Best cash back card for small businesses","brand":"Chase","categorySeperator":null,"cons":["High annual fee of $195"],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/012eb880-48ab-11ed-98ae-b771ec223ae8.png","introBonus":{"description":"Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.","offer":"$1,000 Cash Back","previousValue":""},"lastUpdated":"2024-10-15 13:54:34","limitedTimeOffer":null,"monetized":true,"moreDetails":["Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.","Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.","Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Travel\u0026#8480;, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.","The only business credit card with 2.5% cash back on every purchase of $5,000 or more.","Get the buying power you need to make large purchases, cover monthly expenses and help your business grow. While you must pay your Pay In Full balance each month, this card has built-in flexibility. The Flex for Business feature allows for qualifying purchases to be paid over time with interest.","Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.","There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.","Member FDIC"],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/8488/","pdpUrl":null,"pros":["Unlimited bonus earnings","Decent welcome offer","No foreign transaction fees"],"recommendedCredit":{"description":"Excellent/Good Credit","range":"670-850"},"reviewLink":"https://thepointsguy.com/credit-cards/reviews/chase-ink-business-premier-card-review/","rewardsRates":{"multipliers":[{"description":"Unlimited 5% total cash back on travel purchased through Chase Travel℠","multiplier":"5%"},{"description":"Unlimited 2.5% total cash back on purchases of $5,000 or more","multiplier":"2.5%"},{"description":"Unlimited 2% cash back on all other business purchases.","multiplier":"2%"}],"overview":"2 - 5% cash-back"},"superlative":null,"termsAndConditions":"","title":"Ink Business Premier® Credit Card","tpgRating":3,"whyWeChoseItOverride":"The Chase Ink Business Premier card is geared toward business owners who want to earn cash back rewards on their day-to-day purchases. The earning rates are solid, but the $195 annual fee is high for what you get out of this card since you won’t be able to transfer your points to Chase’s travel partners for maximum value."},{"ID":"221210144","annualFee":"$69","apr":["20.99% - 27.99% Variable","20.99% - 27.99% Variable","29.74% Variable","Up to 29.99%"],"aprs":[{"displayText":"20.99% - 27.99% Variable","maxValue":27.99,"minValue":20.99,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"20.99% - 27.99% Variable","maxValue":27.99,"minValue":20.99,"name":"Ongoing Balance Transfer APR","rateType":"variable"},{"displayText":"29.74% Variable","maxValue":29.74,"minValue":29.74,"name":"Ongoing Cash Advance APR","rateType":"variable"},{"displayText":"Up to 29.99%","maxValue":29.99,"minValue":29.99,"name":"Ongoing Penalty APR","rateType":"variable"}],"barker":"BEST LOW-COST CARD FOR SOUTHWEST LOYALISTS","brand":"Chase","categorySeperator":null,"cons":["3% foreign transaction fee","Flight redemption limited to U.S., Caribbean and Central American destinations"],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/893f1ac0-06a8-11ed-92d2-4352643c3844.png","introBonus":{"description":"Earn a $400 statement credit and 40,000 bonus points after spending $3,000 on purchases in the first 4 months from account opening.","offer":"$400 statement credit + 40,000 pts.","previousValue":""},"lastUpdated":"2024-11-12 16:49:16","limitedTimeOffer":null,"monetized":true,"moreDetails":["Earn a $400 statement credit and 40,000 bonus points after spending $3,000 on purchases in the first 4 months from account opening.","3,000 anniversary points each year.","Earn 2X points on Southwest® purchases.","Earn 2X points on local transit and commuting, including rideshare.","Earn 2X points on internet, cable, and phone services; select streaming.","2 EarlyBird Check-In® each year.","Earn 1 point for every $1 spent on all other purchases.","Member FDIC"],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/221210144/","pdpUrl":null,"pros":["Earn 3,000 points each year after your cardmember anniversary","Secondary car rental insurance and collision damage waiver","Baggage delay insurance; up to $3,000 in reimbursement for lost luggage; roadside dispatch; travel accident insurance via Visa Signature","Extended warranty and purchase protection"],"recommendedCredit":{"description":"Excellent/Good","range":"670-850"},"reviewLink":"https://thepointsguy.com/guide/southwest-rapid-rewards-plus-credit-card-review/","rewardsRates":{"multipliers":[{"description":"Earn 2X points on Southwest® purchases.","multiplier":"2X"},{"description":"Earn 2X points on local transit and commuting, including rideshare.","multiplier":"2X"},{"description":"Earn 2X points on internet, cable, and phone services; select streaming.","multiplier":"2X"},{"description":"Earn 2X points on Rapid Rewards® hotel and car rental partners.","multiplier":"2X"},{"description":"Earn 1X points on all other purchases.","multiplier":"1X"}],"overview":"1 - 2X points"},"superlative":null,"termsAndConditions":"","title":"Southwest Rapid Rewards® Plus Credit Card","tpgRating":3,"whyWeChoseItOverride":"This card is great for those just beginning to explore loyalty to Southwest. It carries standard benefits such as secondary car rental insurance, travel accident insurance, baggage insurance, purchase protection and up to $3,000 in lost luggage reimbursement. When it comes to earning points, cardholders can expect 2 points per dollar spent on Southwest purchases and 1 point per dollar spent on all other purchases."},{"ID":"221210138","annualFee":"$0","apr":["0% Intro APR on Purchases for 12 months","17.99% - 25.99% Variable","17.99% - 25.99% Variable","29.74% Variable","Up to 29.99%"],"aprs":[{"displayText":"0% Intro APR on Purchases for 12 months","maxValue":0,"minValue":0,"name":"Introductory Purchases APR","rateType":"fixed"},{"displayText":"17.99% - 25.99% Variable","maxValue":25.99,"minValue":17.99,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"17.99% - 25.99% Variable","maxValue":25.99,"minValue":17.99,"name":"Ongoing Balance Transfer APR","rateType":"variable"},{"displayText":"29.74% Variable","maxValue":29.74,"minValue":29.74,"name":"Ongoing Cash Advance APR","rateType":"variable"},{"displayText":"Up to 29.99%","maxValue":29.99,"minValue":29.99,"name":"Ongoing Penalty APR","rateType":"variable"}],"barker":"BEST FOR BONUS CASH BACK ON BUSINESS EXPENSES","brand":"Chase","categorySeperator":null,"cons":["5% cash back earned on certain categories is capped at the first $25,000 you make in combined purchases each account anniversary year"],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/ec0dc800-f078-11eb-a48f-65ac0bb53c5b.png","introBonus":{"description":"Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.","offer":"Earn up to $750 bonus cash back","previousValue":""},"lastUpdated":"2024-11-08 15:21:34","limitedTimeOffer":null,"monetized":true,"moreDetails":["Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening","Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year","Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases","With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.","No Annual Fee","Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.","0% introductory APR for 12 months on purchases","Member FDIC"],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/221210138/","pdpUrl":null,"pros":["Valuable welcome offer","No annual fee means this is a good card for businesses that want to keep operating costs low","Decent earning rates across popular categories for businesses"],"recommendedCredit":{"description":"Good, Excellent","range":"670-850"},"reviewLink":"https://thepointsguy.com/guide/credit-card-review-ink-business-cash-credit-card/","rewardsRates":{"multipliers":[{"description":"Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year","multiplier":"5%"},{"description":"Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year","multiplier":"2%"},{"description":"Earn 1% cash back on all other card purchases with no limit to the amount you can earn","multiplier":"1%"}],"overview":"1 - 5% cash-back"},"superlative":null,"termsAndConditions":"","title":"Ink Business Cash® Credit Card","tpgRating":4,"whyWeChoseItOverride":"The Chase Ink Business Cash is one of four business cards that Chase offers. It’s great for businesses that want to prioritize earning cash-back rewards over other currencies like points or miles."},{"ID":"220310483","annualFee":"$350","apr":["20.24%-29.24% Variable","29.74% Variable","29.99% Variable"],"aprs":[{"displayText":"20.24%-29.24% Variable","maxValue":29.24,"minValue":20.24,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"29.74% Variable","maxValue":29.74,"minValue":29.74,"name":"Ongoing Cash Advance APR","rateType":"variable"},{"displayText":"29.99% Variable","maxValue":29.99,"minValue":29.99,"name":"Ongoing Penalty APR","rateType":"variable"}],"barker":"BEST FOR DELTA FANS","brand":"American Express","categorySeperator":null,"cons":["Doesn't make sense if you don't fly Delta","SkyMiles aren't the most valuable airline currency"],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/91b937f0-439e-11ea-aa5e-eb16a7749700.png","introBonus":{"description":"Earn 60,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership.","offer":"Earn 60,000 Bonus Miles","previousValue":""},"lastUpdated":"2024-11-11 16:20:49","limitedTimeOffer":null,"monetized":true,"moreDetails":["Earn 60,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership.","Receive a Companion Certificate on a Main Cabin round-trip flight within the U.S. and to Mexico, the Caribbean, or Central America each year after renewal of your Card. The Companion Ticket requires payment of the government-imposed taxes and fees of no more than $80 for round-trip domestic flights and no more than $250 for round-trip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.","Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.","Delta SkyMiles® Platinum 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.","Earn $1 Medallion® Qualification Dollar for each $20 of purchases made on your Delta SkyMiles® Platinum American Express Card in a calendar year and get a boost toward achieving Medallion Status for next Medallion Year.","Earn 3X Miles on Delta purchases and purchases made directly with hotels.","Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.","Earn 1X Miles on all other eligible purchases.","$120 Resy Credit: When you use your enrolled Delta SkyMiles® Platinum American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $10 back each month in statement credits.","$120 Rideshare Credit: earn up to $10 in statement credits each month after using your Delta SkyMiles® Platinum American Express Card on U.S. rideshare purchases with select providers. Enrollment required.","You can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that's a potential savings of up to $280 per round-trip flight.","Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.","Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Delta SkyMiles® Platinum American Express Card. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.","Delta SkyMiles® Platinum American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.","No Foreign Transaction Fees.","$350 Annual Fee.","Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.","Terms Apply.","\u003ca href=\"https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/delta-skymiles-platinum-american-express-card/26129-10-0#offer-terms\" target=\"blank\"\u003eSee Rates \u0026amp; Fees\u003c/a\u003e"],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/220310483/","pdpUrl":null,"pros":["Enjoy a fast track to Medallion status by spending on the card","Receive a domestic Main Cabin round-trip companion certificate each year","Statement credit for TSA PreCheck (Up to $85 every 4.5 years) or Global Entry ($100 every 4 years, increasing to $120 on Oct. 1, 2024)","First checked bag free"],"recommendedCredit":{"description":"Excellent/Good","range":"670-850"},"reviewLink":"https://thepointsguy.com/guide/platinum-delta-skymiles-credit-card-review/","rewardsRates":{"multipliers":[{"description":"Earn 3X Miles on Delta purchases and purchases made directly with hotels.","multiplier":"3X"},{"description":"Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets","multiplier":"2X"},{"description":"Earn 1X Miles on all other eligible purchases.","multiplier":"1X"}],"overview":"1 - 3X points"},"superlative":null,"termsAndConditions":"https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/delta-skymiles-platinum-american-express-card/26129-10-0#offer-terms","title":"Delta SkyMiles® Platinum American Express Card","tpgRating":3.5,"whyWeChoseItOverride":"Build your loyalty to Delta by applying for the carrier’s mid-tier card option, the Delta SkyMiles Platinum card. The annual fee is quickly recouped by the card’s travel perks, such as a Global Entry or TSA PreCheck credit, annual companion certificate and more. Plus, you can fast-track to elite status simply through card spend."},{"ID":"6573","annualFee":"$650","apr":["20.24%-29.24% Variable","29.74% Variable","29.99% Variable"],"aprs":[{"displayText":"20.24%-29.24% Variable","maxValue":29.24,"minValue":20.24,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"29.74% Variable","maxValue":29.74,"minValue":29.74,"name":"Ongoing Cash Advance APR","rateType":"variable"},{"displayText":"29.99% Variable","maxValue":29.99,"minValue":29.99,"name":"Ongoing Penalty APR","rateType":"variable"}],"barker":"BEST FOR ELITE DELTA FLYERS","brand":"American Express","categorySeperator":null,"cons":["Steep annual fee of $650","Other Delta cobranded cards offer superior earning categories"],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/0e145700-2412-11ef-b4f7-c5c0eef3d8bb.png","introBonus":{"description":"Earn 70,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership.","offer":"Earn 70,000 Bonus Miles","previousValue":""},"lastUpdated":"2024-11-11 16:23:03","limitedTimeOffer":null,"monetized":true,"moreDetails":["Earn 70,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership.","Enjoy complimentary access to the Delta Sky Club® when you fly Delta. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter. Once all 15 Visits have been used, Eligible Card Members may purchase additional Delta Sky Club Visits at a per-Visit rate of $50 per person using the Card.","Receive four Delta Sky Club® One-Time Guest Passes each year when you fly Delta so you can share the experience with family and friends.","Enjoy complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card.","Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.","Earn $1 Medallion® Qualification Dollar for each $10 of purchases made on your Delta SkyMiles® Reserve American Express Card in a calendar year and get a boost toward achieving elevated Medallion Status for next Medallion Year.","Receive a Companion Certificate on a Main Cabin round-trip flight within the U.S. and to Mexico, the Caribbean, or Central America each year after renewal of your Card. The Companion Ticket requires payment of the government-imposed taxes and fees of no more than $80 for round-trip domestic flights and no more than $250 for round-trip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.","$240 Resy Credit: When you use your Delta SkyMiles® Reserve American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $20 each month in statement credits. Enrollment required.","$120 Rideshare Credit: Earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card to pay for U.S. rideshare purchases with select providers. Enrollment required.","Delta SkyMiles® Reserve 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.","With your Card receive upgrade priority over other Medallion Members within the same Medallion level and fare class.","Delta SkyMiles® Reserve American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.","Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.","No Foreign Transaction Fees.","$650 Annual Fee.","Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.","Terms Apply.","\u003ca href=\"https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/delta-skymiles-reserve-american-express-card/26129-10-0#offer-terms\" target=\"blank\"\u003eSee Rates \u0026amp; Fees\u003c/a\u003e"],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/6573/","pdpUrl":null,"pros":["Delta SkyClub access when flying Delta","Annual companion ticket for travel on Delta (upon renewal)","Ability to earn MQDs through spending","Various statement credits for eligible purchases"],"recommendedCredit":{"description":"Excellent/Good","range":"670-850"},"reviewLink":"https://thepointsguy.com/guide/delta-reserve-amex-credit-card-review/","rewardsRates":{"multipliers":[{"description":"Earn 3X Miles on Delta purchases.\n","multiplier":"3X"},{"description":"Earn 1X Miles on all other eligible purchases.","multiplier":"1X"}],"overview":"1 - 3X points"},"superlative":null,"termsAndConditions":"https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/delta-skymiles-reserve-american-express-card/26129-10-0#offer-terms","title":"Delta SkyMiles® Reserve American Express Card","tpgRating":3.5,"whyWeChoseItOverride":"*Effective Feb. 1, 2025, Reserve cardmembers will receive 15 visits per year to the Delta Sky Club; to earn an unlimited number of visits each year starting on Feb. 1, 2025, the total eligible purchases on the card must equal $75,000 or more between Jan. 1, 2024 and Dec. 31, 2024, and each calendar year thereafter."},{"ID":"221010772","annualFee":"$0 intro for first year; $95 after that","apr":["N/A","25.74% (Variable)","N/A","25.74% (Variable)","31.74% (Variable)","34.15% (Variable)"],"aprs":[{"displayText":"N/A","maxValue":0,"minValue":0,"name":"Introductory Purchases APR","rateType":"fixed"},{"displayText":"25.74% (Variable)","maxValue":25.74,"minValue":25.74,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"N/A","maxValue":0,"minValue":0,"name":"Introductory Balance Transfer APR","rateType":"fixed"},{"displayText":"25.74% (Variable)","maxValue":25.74,"minValue":25.74,"name":"Ongoing Balance Transfer APR","rateType":"variable"},{"displayText":"31.74% (Variable)","maxValue":31.74,"minValue":31.74,"name":"Ongoing Cash Advance APR","rateType":"variable"},{"displayText":"34.15% (Variable)","maxValue":34.15,"minValue":34.15,"name":"Ongoing Penalty APR","rateType":"variable"}],"barker":"BEST FOR FLAT-RATE EARNING ON BUSINESS PURCHASES","brand":"Capital One","categorySeperator":null,"cons":["May not provide much value for business owners who don’t frequently travel"],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/99b583a0-ff6d-11eb-bb36-9183285abe2c.png","introBonus":{"description":"Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening","offer":"50,000 miles","previousValue":""},"lastUpdated":"2024-11-12 16:23:17","limitedTimeOffer":null,"monetized":true,"moreDetails":["Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening","Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account","Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel","Transfer your miles to 15+ travel loyalty programs","Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services","Receive up to a $120 credit for Global Entry or TSA PreCheck®","$0 intro annual fee for the first year; $95 after that","Free employee cards which also earn unlimited 2X miles from their purchases"],"moreDetailsWidget":null,"offerUrl":"https://thepointsguy.com/oc/221010772/","pdpUrl":null,"pros":["Flat-rate reward earning means you don’t have to juggle different bonus categories","Custom Quarterly and year-end spend summaries help simplify budgeting and are especially helpful come tax season"],"recommendedCredit":{"description":"Excellent, Good","range":"670-850"},"reviewLink":"https://thepointsguy.com/guide/capital-one-spark-miles-card-review/","rewardsRates":{"multipliers":[{"description":"5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel","multiplier":"5 Miles"},{"description":"2 Miles per $1 on every purchase, everywhere","multiplier":"2 Miles"}],"overview":"2 - 5X miles"},"superlative":null,"termsAndConditions":"https://d25970n8puso9u.cloudfront.net/disclosure.31042.en-US.pdf","title":"Capital One Spark Miles for Business","tpgRating":4,"whyWeChoseItOverride":"You can redeem your miles through the Capital One portal for flights, hotels, vacation packages and more. Transfer your miles to Capital One’s 15+ airline and hotel programs to get even more value."},{"ID":"221211280","annualFee":"$0","apr":["0% Intro APR on Purchases for 15 months","19.99% - 28.74% Variable","0% Intro APR on Balance Transfers for 15 months","19.99% - 28.74% Variable","29.74% Variable","Up to 29.99%"],"aprs":[{"displayText":"0% Intro APR on Purchases for 15 months","maxValue":0,"minValue":0,"name":"Introductory Purchases APR","rateType":"variable"},{"displayText":"19.99% - 28.74% Variable","maxValue":28.74,"minValue":19.99,"name":"Ongoing Purchases APR","rateType":"variable"},{"displayText":"0% Intro APR on Balance Transfers for 15 months","maxValue":0,"minValue":0,"name":"Introductory Balance Transfer APR","rateType":"variable"},{"displayText":"19.99% - 28.74% Variable","maxValue":28.74,"minValue":19.99,"name":"Ongoing Balance Transfer APR","rateType":"variable"},{"displayText":"29.74% Variable","maxValue":29.74,"minValue":29.74,"name":"Ongoing Cash Advance APR","rateType":"variable"},{"displayText":"Up to 29.99%","maxValue":29.99,"minValue":29.99,"name":"Ongoing Penalty APR","rateType":"variable"}],"barker":"BEST FLAT-RATE CASH BACK CARD","brand":"Chase","categorySeperator":null,"cons":["3% foreign transaction fee"],"flag":null,"highlight":{"introBonusFeatured":false,"introBonusWidget":true},"imageSrc":"https://cdn.prodstatic.com/shared/images/cards/278x175/da2489c0-bbaf-11ea-bf12-c7437d5726b0.png","introBonus":{"description":"Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. 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