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Our expert take
The Wyndham Rewards Earner® Business Card* earns at industry-leading rates on gas and eligible hotel stays, with discounted room rates and elite status as worthy extras.
Why We Like It
With 15,000 anniversary points and a 10% discount on “go free” rewards at Wyndham hotels, you’ll have access to free nights faster than you can say “Super 8.” Since basic hotels start at 7,500 points per night, it takes less than $1,000 in spending on gas or at Wyndham hotels to earn a free night. That’s an unheard-of rate, as long as you’re not looking for luxury.
What We Don’t Like
Wyndham Rewards expire after four years, whether or not you are active in the program.
Who It’s Best For
The card could be a good call if you spend a lot of time on the road and are comfortable staying in the budget brands that make up the vast majority of Wyndham’s portfolio.
Expert Commentary
Pros and Cons
- Wyndham Diamond Status, which matches to Caesar’s Diamond
- Industry leading 8 points per dollar spent on gas
- Earn 5 points per dollar on utilities, which is a category not often bonused
- Cell phone insurance in addition to 5 points per dollar earnings on cell phone bills
- 10% award redemption discount, on top of already reasonable award rates
Cons
- Wyndham is not tailored for luxury travelers
- Popular categories such as dining and non-Wyndham travel not given category bonuses
- Top-tier status at Wyndham means less than it would at other chains
Card details
- Earn 45,000 bonus points after spending $3,000 on purchases in the first 90 days of account opening
- Earn 8 points per $1 spent on Hotels By Wyndham and qualifying gas purchases
- Earn 5 points per $1 spent on marketing, advertising and utilities
- Earn 1 point per $1 spent on all other purchases
- Receive Wyndham Rewards DIAMOND membership, which includes suite upgrades, welcome amenity at check-in at select hotels and more
- Receive 15,000 bonus points each anniversary year
- Receive cell phone protection for the next calendar month when you pay your wireless bill with your card

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Our expert take
The World of Hyatt Business Credit Card offers one of the best paths to earning Hyatt points. Statement credits and tier-qualifying nights are also easy wins for brand loyalists.
Why We Like It
The card offers a $100 rebate (redeemable as $50 statement credits twice a year) on Hyatt purchases and an incentive for spending $50,000 annually on the card: 10% of redeemed points back for the remainder of the year on up to 200,000 points redeemed. The card also unlocks the ability to gift Discoverist status to up to five employees, which can be a great incentive.
What We Don’t Like
The annual fee is high compared to other midtier hotel credit cards. Another downside of Hyatt is its lack of reach in smaller U.S. markets as well as large sections of the globe, which could make it difficult to find a hotel where you need one.
Who It’s Best For
This card is best for business owners who prefer a top-notch hotel experience and travel where Hyatt has hotel locations.
Expert Commentary
Pros and Cons
- Welcome bonus
- Solid earnings rates
- Automatic Discoverist status
- Annual fee
- Low earning rate for non-bonused spending
- Base level status with the card offers limited benefits
Card details
- 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening. Plus, 1 free night at any category 1-4 Hyatt hotel after spending $15,000 on purchases within the first 6 months of account opening
- Up to 9 points total per $1 spent at Hyatt – 4 Bonus Points per $1 on qualified purchases at Hyatt hotels & 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

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Our expert take
The Hilton Honors American Express Business Card (Terms apply, see rates & fees) is an easy win for regular Hilton guests: Its quarterly statement credits toward Hilton stays more than cover the cost of the annual fee.
Why We Like It
The card adds ease to your work travel, thanks to automatic Hilton Honors™ Gold Elite status and National Car Rental status (enrollment required) that soften the stress of being away from home. This elite status can afford you benefits like food and beverage credits, room upgrades based on availability and more. Even if you’re just an occasional Hilton guest, this card could make sense. You’ll also get four statement credits of up to $60 each—one per quarter, for a total of $240 per year—when charging eligible Hilton expenses to your card.
What We Don’t Like
Hilton redemptions are priced dynamically, so some stays may require an obscene amount of points.
Who It’s Best For
Business owners who want a variety of hotel options in the Hilton portfolio will be able to squeeze enough value from this card to justify its annual fee.
Expert Commentary
Pros and Cons
- No foreign transaction fees
- Complimentary Hilton Honors Gold status
- Generous welcome bonus
- $240 in credits on Hilton purchases per year, $60 per quarter
Cons
- No intro APR offer
- Points have a low redemption value
- Points transfer rate to partners is a poor value
Card details
- Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.
- Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
- Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter.
- Get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card.
- Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors Gold status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay.
- You may receive an upgrade to Hilton Honors Diamond status through the end of the calendar year if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more.
- As a Hilton Honors American Express Business Card Member, you can enroll to receive complimentary National Car Rental® Emerald Club Executive® status through the link on your American Express online account. After you’re enrolled, you can reserve a rental car by calling National Car Rental directly, using your travel service, or by booking online or through the National Car Rental mobile app. Terms apply.
- Terms apply.

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Our expert take
It’s easy to accumulate a lot of rewards with the IHG One Rewards Premier Business Credit Card. What’s more, you’ll get a free night when you book award stays of four or more nights, making it a solid choice for longer business and personal trips.
Why We Like It
The anniversary free night alone can lead to excellent value, just for being a cardholder. The card also offers a $100 statement credit and 10,000 bonus points every year if you spend $20,000. It also comes with elite status and reimbursement for expedited airport security screening programs.
What We Don’t Like
While it’s easy to earn points, it also takes a lot of points to book award stays, which can dilute the value of your rewards.
Who It’s Best For
Business owners who take long-enough trips to make use of the fourth night free feature could benefit from the perks this card offers.
Expert Commentary
Pros and Cons
- Get a free anniversary night certificate
- Redeem three award nights, get the fourth night free
- Includes Platinum Elite status
Cons
- IHG One Rewards are worth less than a penny a point on most redemptions
- The $50 United Travel Bank credit can be complicated to maximize
Card details
- Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening.
- Enjoy an Anniversary Free Night at IHG Hotels & 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 and Resorts
- Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases
- Automatic Platinum Elite status as long as you remain a Premier Business cardmember
- Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $120 every 4 years as reimbursement for the application fee charged to your card
- IHG One Rewards Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
- Member FDIC

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Our expert take
Offering mostly classic airline benefits, the United℠ Business Card fills a need for travelers looking to enhance their United experience. With a reasonable annual fee that’s quickly substantiated by an annual credit toward United flight purchases, this card is an obvious choice for anyone who flies the airline.
Why We Like It
Benefits for being a cardholder include a free checked bag and priority boarding when flying United, two United Club day passes annually and a 25% discount on in-flight purchases. The card also offers a $100 credit after charging qualifying flight purchases to your card. Plus cardholders can earn 25 Premier qualifying points after each $500 spent each year (up to 1,000 PQP), helping you achieve status faster. This card pairs beautifully with United personal credit cards by offering an annual 5,000 mile bonus for holding both a personal and business version.
What We Don’t Like
Purchases on United Airlines earn a measly 2 miles per dollar, which isn’t very inspiring for a co-branded card.
Who It’s Best For
This card is best for business owners who want perks when flying United.
Expert Commentary
Pros and Cons
- Robust set of travel perks and benefits
- Option to earn annual bonus miles and credits
- No foreign transaction fee
- Employee cards at no additional cost
Cons
- High standard APR
- No intro APR offer
- High penalty APR
Card details
- 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℠ 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℠ 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

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Our expert take
The Ink Business Cash® Credit Card bumps your cash-back to sky-high earning rates in several spending categories, all without charging an annual fee.
Why We Like It
While the standalone card earns cash back, cardholders can utilize airline partner transfers and other redemption options when combined with select premium Ultimate Rewards® cards (personal or business). The card also offers protections you don’t often see on a no annual fee card, including primary car rental insurance for business rentals and purchase protection.
What We Don’t Like
Cardholders will need to watch out for earning caps in bonused spending categories and could hit limits quickly.
Who It’s Best For
Business owners who spend a lot on office-related expenses will benefit a great deal from this card.
Expert Commentary
Pros and Cons
- No additional fee for employee cards
- High rewards rates in select bonus categories
- Generous welcome bonus
Cons
- High cash advances and balance transfer fees
- Spending cap on bonus categories
- Low rewards rates outside of bonus categories
Card details
- 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

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Our expert take
The Capital One Spark Cash Plus (rates & fees) differentiates itself as a top-tier option by offering a generous welcome bonus, easy rewards and flexible spending limits.
Why We Like It
All earnings are offered at a flat, fair rate, and cash-back redemptions are as easy and flexible as they come. The adaptable purchasing power and no preset spending limit are also a great way to set cruise control for your finances. Plus, it’s impossible not to look at the opportunity to grow a large sum of points from the welcome offer, though some businesses won’t qualify given the high spending requirements to earn it.
What We Don’t Like
This is a charge card that requires payment in full every month, which means less cash-flow flexibility for your company.
Who It’s Best For
Businesses that are able to pay their card in full and prefer to earn flat-rate cash rewards should consider this card.
Expert Commentary
Pros and Cons
- High 2% cash-back rate applies to all purchases
- Earn unlimited 5% on hotels and rental cars booked through Capital One Travel
- Free employee cards
- No foreign transaction fees
Cons
- No intro APR offer
- Card balances must be paid in full each month
Card details
- 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

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Our expert take
High cash-back rates, a welcome bonus, no annual fee and an introductory APR make the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® a unicorn.
Why We Like It
This is an exceptionally well-rounded card with a solid introductory APR period. With free employee cards and a $100 annual software credit, this card could be worth holding onto even after the intro APR period expires.
What We Don’t Like
There’s a foreign transaction fee, so this card won’t be a good option for businesses that regularly make purchases while traveling abroad.
Who It’s Best For
This card is best suited for business owners who want to pay down a large purchase over time while earning cash back.
Expert Commentary
Pros and Cons
- No annual fee
- Earn 3% cash back on eligible purchases at gas stations, EV charging stations (on transactions of $200 or less excluding discount stores, supercenters and wholesale clubs), office supply stores, cellphone service providers and restaurants.
- Introductory APR on purchases
- Reward categories may not align with how some businesses spend
- Foreign transaction fee
- Balance transfer fee
Card details
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner’s card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.

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Our expert take
When it comes to intro APR offers, the window matters: That’s why the U.S. Bank Business Platinum Card stands out against other cards. It gives you several extra months compared to other cards to pay down your balance without interest.
Why We Like It
It’s all about the introductory APR on this card: 0% intro APR on purchases for 18 billing cycles, followed by a variable APR of 16.99% to 25.99%. That’s an exceptional length of time—when every month counts—especially since the card doesn’t have an annual fee.
Other card benefits are light, but businesses can add free employee cards and set spending controls to keep things running without issue.
What We Don’t Like
The card doesn’t offer a welcome bonus, which makes it a poor choice for businesses that expect to pay their balance in full quickly. There are also no ongoing rewards, so there isn’t a compelling reason to hold onto the card after the introductory APR expires.
Who It’s Best For
This card fills a hole for small businesses that need access to an intro APR for an above-average amount of time.
Expert Commentary
Pros and Cons
- Extra-long introductory APR on purchases
- $0 annual fee
Cons
- No reward earning
- No major benefits
- High balance transfer fee
Card details
- 0% Intro APR on purchases 18 billing cycles. After that, a variable APR currently 16.99% – 25.99%.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World’s Most Ethical Company® – Ethisphere Institute, February 2022.
- Terms and conditions apply.

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Our expert take
The Blue Business® Plus Credit Card from American Express (Terms apply, see rates & fees) earns 2 points per dollar on the first $50,000 of spending annually (then 1 point per dollar), which is a sweet deal. The card also has an introductory APR offer, which can help a new business acquire inventory or pay upfront expenses and have time to pay in full without accruing interest.
Why We Like It
Double miles without an annual fee is an excellent and uncommon combination, and earning Membership Rewards® makes them extra flexible.
What We Don’t Like
The introductory APR period only lasts for 12 months.
Who It’s Best For
This card offers solid value to new businesses and independent contractors who prefer flexible rewards and aren’t worried about exceeding the $50,000 rewards spending cap.
Expert Commentary
Pros and Cons
- Wide variety of airline transfer partners
- No annual fee
- High rewards rate on the first $50,000 in annual spending
Cons
- There is a foreign transaction fee
- 2 points per dollar rewards rate falls to 1 point per dollar after $50,000 in annual spending
Card details
- 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, 17.49% – 25.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
- You’ve got the power to spend 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.

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Our expert take
Earning transferable miles on every purchase without limits (and at a strong rate), the Capital One Venture X Business will turn heads for business owners who appreciate travel perks and rewards (rates & fees).
Why We Like It
The Capital One Venture X Business has one of the largest welcome offers on the market and earns double miles on all eligible purchases. The card’s benefits also offer some easy wins, including an annual travel credit for purchases made through Capital One Travel and airport lounge access.
What We Don’t Like
The Capital One Venture X Business requires payment in full, so your business will need reliable cash flow. Additionally, the impressive welcome offer requires substantial spending.
Who It’s Best For
Business owners who want to earn flat-rate transferable miles and value premium travel benefits should give this card a close look.
Expert Commentary
Pros and Cons
- No preset spending limit
- Unlimited 2 miles per dollar on all purchases (more on some travel purchases)
- Impressive travel benefits
- Free employee cards and virtual cards
- Annual travel credit and miles bonuses
Cons
- High annual fee
- Full card balance must be paid every month
Card details
- Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
- Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
- 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
- With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
- 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
- Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
- 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
- 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 through the Partner Lounge Network
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- This is a pay-in-full card, so your balance is due in full every month.

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Our expert take
Small businesses can earn big rewards with the American Express® Business Gold Card (Terms apply, see rates & fees), thanks in part to unrivaled earnings in select category spending. Similar to other Amex cards, this one also offers a variety of potential statement credits and benefits.
Why We Like It
It’s easy to watch your rewards balance grow on this card—in fact, a strong welcome bonus will propel you forward. Membership Rewards® points are flexible and fantastic for travel, though other redemption opportunities are also available. Statement credits toward purchases after enrollment may provide extra value if you have eligible transactions from FedEx, GrubHub, office supply stores or a Walmart+ subscription.
What We Don’t Like
It’s hard to hide the $375 annual fee, which might be more than some businesses are willing to spend. Cardholders are also subject to a spending cap of $150,000 per calendar year on their top two earning categories before earning rates drop, which could be a limiting factor.
Who It’s Best For
Businesses who can max out the rewards potential on this card and use some or all of the potential statement credits will find this a great addition to their wallets.
Expert Commentary
Pros and Cons
- Flexible redemption and points transfer options
- Robust travel benefits
- Automatic 4 points per dollar on the two eligible categories where you spend the most each billing period on up to $150,000 in annual spending
Cons
- Very high annual fee relative to benefits
- 4 points per dollar rate capped at $150,000 in annual spending
Card details
- 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 18.49% to 27.49% 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 comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
- *Terms Apply

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Our expert take
With a high annual fee, The Business Platinum Card® from American Express (Terms apply, see rates & fees) won’t be for everybody, but it’s a fantastic option for businesses that prioritize travel benefits. The perks on this card are unbeatable.
Why We Like It
This card doesn’t skimp on the perks. Cardholders get airport lounge access through American Express’ Global Lounge Collection and elite status after enrollment with travel brands, including Hilton, Marriott, Avis, National and Hertz. Statement credits abound in the first year of membership with the ability to earn credits after eligible spending on airline incidentals charged to your one selected airline and a CLEAR® Plus membership. Cardholders also get credit for purchases at Dell Technologies, Indeed and Adobe, all through December 31, 2024, and more (enrollment required for select benefits).
One unique benefit of this card is that you can get a 35% rebate of the points you use for select flights booked with Amex Travel. For businesses that will use all (or many) of these offers, it can be a compelling card.
What We Don’t Like
You’ll need to pay close attention to fine print, deadlines and enrollment information to use many of the card’s benefits.
Who It’s Best For
Business owners who will use the included travel perks often enough to justify the annual fee will value this card.
Expert Commentary
Pros and Cons
- Excellent welcome bonus
- A slew of potential statement credits
- Extensive airport lounge access
- Rich suite of travel perks
Cons
- High spending requirement to earn the welcome bonus
- Annual fee and additional cardholder fees are very high
- Limited spending bonus categories
- Some credits are doled out in increments, making them harder to use
Card details
- 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.
- 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.
- 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®.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- NEW! Make the Business Platinum Card® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
- 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 & 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.
- $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®.
- $695 Annual Fee.
- Terms Apply.

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Our expert take
The Ink Business Preferred® Credit Card allows you to earn highly coveted Chase Ultimate Rewards® points at compelling rates and offers an impressive welcome bonus, making it a top pick for business travel.
Why We Like It
Some earning categories have caps for bonus points, but the limits are high enough that they won’t impact all businesses. Once earned, Ultimate Rewards are valuable because they are so flexible. You can redeem directly for travel at 1.25 cents per point through Chase Travel℠ or transfer to multiple loyalty programs, including United MileagePlus, Southwest Rapid Rewards and World of Hyatt.
What We Don’t Like
The travel protections on this card are substantially less inclusive than you’d find on premium personal cards.
Who It’s Best For
This card will appeal to business owners interested in flexible travel rewards but who don’t necessarily need trip protections.
Expert Commentary
Pros and Cons
- Remarkable welcome bonus
- No foreign transaction fees
- Employee cards at no additional cost
- Rewards for common business expenses.
Cons
- Has an annual fee
- Rewards cap on high-earning categories
- Potential gaps in reward coverage for key business categorie
Card details
- 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℠
- 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℠
- 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

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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®.
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

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The Capital One Quicksilver Secured Cash Rewards Credit Card offers flat-rate rewards on all your spending, with no limit on how much you can earn. Rewards aren’t available on many competing cards and are generally offered at a lower rate.
Why We Like It
Only the top-ranked cards on this list offer rewards, and this card stands out for its simple and straightforward program. There’s no annual fee or foreign transaction fees (rates & fees).
By using your card responsibly, you could become eligible for a security deposit refund and upgraded to the unsecured version of the card.
What We Don’t Like
Like other traditional secured cards, this one requires cardholders to make a security deposit, which also serves as their credit limit. Capital One has a relatively low minimum deposit of $200, intended to make the card more accessible.
Who It’s Best For
If you want to earn rewards while building your credit and you can afford the deposit, this card is an excellent pick.
Expert Commentary
Pros and Cons
- Unlimited 1.5% cash back reward on all eligible purchases
- No foreign transaction fees
- Reports to all three credit bureaus
- Ability to graduate to an unsecured card with good payment behavior.
cons
- No bonus categories other than Capital One Travel bookings
- $200 minimum opening deposit
Card details
- No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you’re approved in seconds
- Put down a refundable $200 security deposit to get a $200 initial credit line
- Building your credit? Using a card like this responsibly could help
- Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- 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
- Monitor your credit score with CreditWise from Capital One. It’s free for everyone

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You don’t need to pony up an annual fee for the Bilt World Elite Mastercard® (rates & fees), which earns flexible points that you can transfer to a selection of beloved travel brands.
Why We Like It
Bilt offers one of the most distinctive earning structures of all cards: 1 point per dollar on rent payments without the transaction fee (on up to 100,000 points each calendar year), 3 points per dollar on dining, 2 points per dollar on travel (when booked through the Bilt Travel Portal or directly with an airline, hotel, car rental or cruise company), and 1 point per dollar on other purchases. It also throws in some great travel benefits for a no-annual-fee card, including select trip protections, primary collision damage waiver on eligible car rentals and no foreign transaction fees.
What We Don’t Like
This is the only credit card on our list that doesn’t include a welcome offer. Renters could make up for that opportunity cost quickly by earning points on their rent payments, but it’s an unmistakable disadvantage.
Who It’s Best For
We recommend this card to someone paying rent and looking for a credit card with no annual fee.
Expert Commentary
Pros and Cons
- Earn rewards on rent
- No annual fee
- Auto rental collision damage waiver
- Points can be transferred to partners.
Cons
- Requires five card transactions per statement period to earn rewards
- No welcome bonus
- Rewards outside of rent spend are relatively low compared to other cards
Card details
- $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, credit card statements, toward a down payment on a home, etc.
- Select ‘Apply Now’ to learn more about the product features, terms, and conditions

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When you don’t want to limit your earnings only to travel charges, check out the American Express® Green Card*. It offers elevated rewards on dining and local transit, too.
Why We Like It
Cardholders have access to annual statement credits for CLEAR® Plus and LoungeBuddy charges, which can easily exceed the cost of the card’s annual fee and let you dip your toe into the world of premium perks.
What We Don’t Like
Amex isn’t always accepted overseas, which could be a major issue for international travelers without a backup card.
Who It’s Best For
This is a great midrange card that offers access to American Express Membership Rewards®, making it a good choice for those who don’t want the high cost of a Gold or Platinum card.
Expert Commentary
Pros and Cons
- No foreign transaction fee
- Flexible redemption and points transfer options
- High rewards rate on dining, travel and transit
Cons
- Mediocre base rewards rate
- Limited features and perks
- No intro APR offer
- No balance transfer option
Card details
- Earn 40,000 points after spending $3,000 on purchases in the first 6 months
- Earn 3 points per dollar spent on travel, transit purchases and eligible purchases at restaurants worldwide
- Earn 1 point per dollar on all other eligible purchases
- $199 CLEAR® Plus and $100 LoungeBuddy credits
- Trip delay insurance
- No foreign transaction fees.

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I love that the list of included travel insurance on the Chase Sapphire Reserve® puts it head-to-head with individually paid policies without the separate cost. Even better, its elevated point redemption rate on travel booked through Chase Travel℠ makes it easy to maximize your points.
Why We Like It
The Reserve’s annual travel credit is one of the easiest to use since it’s automatically applied to qualifying purchases. The Chase Sapphire Reserve® remains one of the top travel credit cards on the market today due to its generous rewards and benefits structure and the ability to gain 50% more value when redeeming points through Chase Travel℠. The rewards you earn with the Sapphire Reserve may be transferred 1:1 to many popular airline and hotel partners, potentially providing even more value. You can also redeem rewards for gift cards, cash back or merchandise.
The Sapphire Reserve includes extensive airport lounge access, an annual travel credit worth up to $300, a credit toward Global Entry, NEXUS or TSA PreCheck® application fees and a suite of important travel protections, including baggage delay coverage, trip cancellation and interruption insurance, travel accident insurance and auto rental coverage.
What We Don’t Like
To earn the highest rate of rewards on travel, you need to book your trip through Chase Travel℠, which sometimes prices airline tickets or hotel stays somewhat higher than if booked directly.
Who It’s Best For
Frequent travelers who want to maximize their reward value on travel redemptions would do well to reserve a slot in their wallet for this credit card.
Expert Commentary
Pros and Cons
- $300 annual travel credit is incredibly flexible
- Generous welcome bonus
- Get 50% more value when you redeem points for travel through Chase Travel℠
- Points transfer to valuable airline and hotel partners.
Cons
- High annual fee
- Additional fee for each authorized user
- Excellent credit recommended
Card details
- 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 & 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.
- 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 $120 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance and more.
- Member FDIC

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Our expert take
It’s all about choice with the U.S. Bank Cash+® Visa Signature® Card*. Not only can you choose three bonus categories that fit your spending patterns, but you can change them every quarter as your needs change.
Why We Like It
The customization on this card is fantastic and lines up well for making large purchases, with optional bonus categories including furniture stores, electronic stores and other buckets not ordinarily seen. Cardholders can also pick from one everyday spending category like groceries, gas or restaurants. Together, this can lead to outsized earning potential.
The card also has no annual fee, a welcome offer and an intro APR—all things we love to see.
What We Don’t Like
This card forces you to stay on top of your game. Bonus earnings require manual selection every quarter and there are spending limits. Additionally, travel bonus earnings only apply to prepaid reservations made through the U.S. Bank Rewards Center.
Who It’s Best For
The U.S. Bank Cash+® Visa Signature® Card* is best for someone who appreciates the ability to mix and match different bonus category options quarterly.
Expert Commentary
Pros and Cons
- Up to 5% cash back in eligible categories
- 2% cash back in different eligible categories
- Welcome bonus
- 0% intro on purchases for 15 billing cycles
- No annual fee.
Cons
- 5% cash-back rate limited to first $2,000 in combined purchases in chosen categories each quarter
- You have to choose your 5% categories, meaning you can miss out on elevated rewards
- Foreign transaction fee
Card details
- Earn a $200 rewards bonus after spending $1,000 in eligible purchases in the first 90 days of account opening
- 5% cash back on the first $2,000 spent in combined eligible purchases each quarter on two categories you choose
- 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center
- 2% cash back on one everyday category like gas stations and EV charging or grocery stores (excluding discount stores/supercenters and wholesale clubs)
- Earn 1% cash back on all other eligible purchases
- Introductory APR offer
- No annual fee

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The Capital One Savor Cash Rewards Credit Card offers a unique take on cash-back rewards, making it ideal for anyone whose lifestyle includes going out.
Why We Like It
Despite perks and benefits being light on this card, the Savor has a lot going for it. Its bonus earning categories span a variety of different categories, giving you ample opportunity to boost your balance.
There’s also no foreign transaction fee (rates & fees) on this card, making it a great choice for travel, especially since typical vacation expenses like hotels and rental cars (booked through Capital One Travel), dining and entertainment all earn extra cash back.
New card members are treated especially nice, with a one-two punch of a welcome offer and an introductory APR: get a 0% intro APR on purchases and balance transfers for 15 months, a 19.24% to 29.24% variable APR applies after that; 3% balance transfer fee for the first 15 months, 4% at a promotional APR that Capital One may offer you.
What We Don’t Like
Like many no-annual-fee cards, this card’s cash back drops to just 1% for spending outside its bonus categories.
Who It’s Best For
Since earning elevated cash back on entertainment purchases is relatively rare, this card could provide uncommon value for people who spend a lot in this category.
Expert Commentary
Pros and Cons
- No annual fee
- Increased cash-back rewards on dining and entertainment
- No foreign transaction fees
- Easy-to-redeem cash-back rewards
- Introductory APR on purchases and balance transfers
Cons
- Other cards can offer higher rewards on dining and groceries
- Superstores like Walmart® and Target® aren’t eligible for the higher earning rate
- Base earnings rate is just 1%
Card details
- Earn a one-time $200 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; 19.24% – 29.24% variable APR after that; balance transfer fee applies
- No foreign transaction fee
- No annual fee

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Our expert take
If you’re a simple shopper, a simple card might do the trick. The Blue Cash Everyday® Card from American Express(Terms apply, see rates & fees) rewards common daily expenses without charging an annual fee—freeing up your mental capacity for other things.
Why We Like It
The rewards category for “U.S. online retail purchases” allows you to earn 3% cash back (on up to $6,000 in spending per year, then 1%) on just about any type of purchase, given the ubiquity of online stores these days. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
The card also bundles several statement credit-earning opportunities, which is a terrific way to unlock additional value from purchases you might make anyway. You can earn up to $84 per year ($7 per month after spending $9.99 or more each month on an eligible subscription, subject to auto-renewal) through the Disney Bundle Credit and a Home Chef Credit of up to $180 per year ($15 per month, subject to auto-renewal). Enrollment is required for select benefits.
Should you need it, the card also includes an introductory APR offer: 0% intro APR for 15 months on purchases and on balance transfers requested within 60 days of account opening, followed by a variable APR of 18.24% to 29.24%. A balance transfer fee of $5 or 3%, whichever is greater, applies.
What We Don’t Like
The elevated earning categories are capped at a relatively low amount and all other purchases beyond that will only earn 1% cash back, which is an underwhelming rate.
Who It’s Best For
This card is best for someone who doesn’t expect to spend significantly more than the rewards cap on bonus categories (or who can pull out a second card for purchases beyond those limits).
Expert Commentary
Pros and Cons
- No annual fee
- Introductory APR offer on purchases and balance transfers
- Above-average earnings at U.S. supermarkets, U.S. gas stations and online retail purchases in the U.S.
Cons
- Elevated earnings at U.S. supermarkets, U.S. gas stations, and online retail purchases in the U.S. are capped at $6,000 in annual spending per category
- Rewards earning outside of the bonus categories is just 1% cash back
Card details
- 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, 18.24% to 29.24% 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.
- 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.

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If you can pony up a security deposit, the Secured Chime Credit Builder Visa® Credit Card* offers a path toward building your credit history without constantly attacking you with annual fees.
What We Like
The highlights here are in the simplicity: no annual fee, no interest charges, no credit check to apply and no minimum security deposit. That gives you a trouble-free way to access credit regardless of your history. This is also one of the few cards that allows you to use your security deposit to pay off your balance, though if you do, you’ll need to submit a new deposit before making additional purchases.
What We Don’t Like
Not only are you opening a credit card account, but you’ll need to open a Chime® Checking Account as well in order to use your card. That’s an extra step that some people won’t be happy with. Another downside is that there’s no option to graduate to an unsecured card in the future. You’ll either need to keep funds on file or look for a new card when your credit improves in the future.
Who It’s Best For
If you can consistently add money to your account to fund your card spending, this card can be a fantastic option for anyone who’s averse to paying fees or interest charges.
Expert Commentary
Pros and Cons
- No annual fees
- No interest
- No minimum security deposit requirement
- You can use your deposit to pay for your monthly balance (though you must replenish it afterward)
- Reports to all three credit bureaus
Cons
- Can’t get a credit limit greater than your deposit
- No option to graduate to an unsecured card
Card details
- No annual fee
- No foreign transaction fee
- No minimum security deposit
- No credit check to apply
- Reports to the major credit bureaus to help build credit history

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The Prosper® Card is a refreshing take on credit cards for customers with poor credit. Instead of overwhelming you with predatory practices, it strives to help you start over with responsible habits.
Why We Like It
There aren’t a lot of strings here, especially considering there’s no security deposit required. Credit limits are high enough to be useful without being so high that it’s tempting to overspend, and your account will be automatically reviewed for potential increases. They also waive the annual fee in the first year if you sign up for automatic payments, which is a good way to ensure you don’t get hit with late fees.
What We Don’t Like
After the first year, an annual fee kicks in which is a disappointing way to recognize loyal customers. This card also doesn’t offer rewards, which means you’re missing out compared to other options (though most rewards cards for bad credit are secured cards that require a security deposit).
Who It’s Best For
The Prosper Card is ideal for individuals with limited or below-average credit history who want another chance at building credit responsibly.
Expert Commentary
Pros and Cons
- No deposit required
- Marketed toward those with less-than-stellar credit
- No hard credit check to review your offer, but credit inquiry will show upon approval.
Cons
- Annual fee of $59 (waived for the first year if you sign up for autopay before your first statement)
- Foreign transaction fee of 1% of the transaction amount
- No low introductory APR period on purchases or balance transfers
Card details
- Initial credit line of $500-$3,000 with automatic account reviews for increases
- No security deposit required
- The annual fee for this credit card is $59, which will be waived for your first year if you are approved and sign up for AutoPay before we issue your first statement

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You can earn a shockingly good return on flights, dining and gas with the Credit One Bank® Wander® American Express® Card, which is a scarce offering on credit cards available to those with fair credit. Those rewards make this a standout card while you work to get your score higher.
Why We Like It
Being good for travel is the first thing that stands out when you check out this card, but it’s not a bad option even for infrequent travelers. Points are redeemable as statement credits which makes your rewards supremely versatile. You’ll also receive online access to monitor your credit score so you can keep an eye on how your creditworthiness is changing as you hold and use the card.
What We Don’t Like
There’s an annual fee of $95 on this card. You’ll need to spend a fair bit on your card each year to earn enough rewards to justify this cost, which might make it a dealbreaker.
Who It’s Best For
Though anyone with average credit may consider this card a decent solution, the Credit One Bank® Wander® American Express® Card is aimed at travelers who want to earn rewards.
Expert Commentary
Pros and Cons
- No foreign transaction fees
- High reward potential
- Issuer advertises requiring an average minimum credit rating.
Cons
- $95 annual fee
- No low introductory APR period
- High 29.24%* Variable APR
Card details
- 0X points on eligible hotel and car rentals booked using the Credit One Bank travel partner.
- 5X points on eligible travel including flights, dining, and gas purchases.
- 1X points on all other purchases.
- Rent a car at Avis, Hertz, or SIXT and receive exclusive Amex Card member discounts, complimentary upgrades, and more.*
- If you are a Covered Borrower under the Military Lending Act, you may get a different offer
- Terms Apply*

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Students can earn cash back at elevated rates on rotating categories with the Discover it® Student Cash Back and get access to a first-year welcome offer with no annual fee.
Why We Like It
It’s a beginner card with advanced benefits. The structure of this card is one even long-time credit card users would be happy with.
What We Don’t Like
Cardholders need to activate 5% rates and watch for the $1,500 earning limit on rotating quarterly bonus categories to get the best rewards. Discover is not as widely accepted as Mastercard, Visa or even American Express so keep that in mind if you plan to use this card overseas. This can be especially troublesome for students who travel or study abroad.
Who It’s Best For
College students who can keep track of quarterly bonus categories.
Expert Commentary
Pros and Cons
- 5% cash back on rotating bonus categories after activation, up to the quarterly maximum
- First-year Cashback Match™
- No annual fee
- Intro APR on purchases for 6 months
- No credit score is required to apply
- Flexible redemption options with no minimum redemption amount.
Cash
- 5% bonus cash-back rate is limited to $1,500 per quarter in spending on select categories
- Bonus categories must be activated quarterly
- Low 1% base reward rate
- Discover cards are not as widely accepted as Visa and Mastercard
- No additional benefits like travel protection, extended warranty or purchase protection
Card details
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. So you could turn $50 cash back into $100. Or turn $100 cash back into $200. Just a dollar-for-dollar match.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
- Redeem your rewards for cash at any time.
- No credit score required to apply.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. Activate by mobile app for free.
- No annual fee and build your credit with responsible use.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 17.24% – 26.24% applies.
- Terms and conditions apply.

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Our expert take
The British Airways Visa Signature® Card comes with unique benefits like 10% off British Airways flights from the U.S., up to $600 in statement credits per year to offset taxes and fees on reward flights to London and a Travel Together Ticket to bring a companion with you for no extra points or to get half off the points price of a solo award flight when you spend $30,000 on the card in a calendar year.
Why We Like It
British Airways Avios can be an excellent way to book award flights, and this card offers a sizable welcome bonus to get you started.
What We Don’t Like
Unlike most airline cards, this one doesn’t provide any in-flight benefits like free checked bags or priority boarding.
Who It’s Best For
In order to best utilize the discounts and advantages of this card, it’s best for someone traveling with British Airways at least once or twice a year.
Expert Commentary
Pros and Cons
- Generous rewards on eligible flights
- Potential to earn a companion ticket
- Lucrative welcome bonus
- No foreign transaction fee
Cons
- Rewards rate poor outside of Avios-earning airlines
- Subject to Chase’s 5/24 rule
- No checked baggage or lounge perks
Card details
- Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening.
- Earn 3 Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and LEVEL.
- Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel.
- 10% off British Airways flights starting in the US when you book through the website provided in your welcome materials.
- Every calendar year you make $30,000 in purchases on your British Airways Visa card, you’ll earn a Travel Together Ticket good for two years.
- Pay no foreign transaction fees when you travel abroad.
- Simply tap to pay with your contactless British Airways Visa Signature Card. Just look for the contactless symbol at checkout. It’s fast, easy and secure!
- Member FDIC

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Our expert take
With the United Quest℠ Card, perks extend beyond the basics like free checked bags to include airline statement credits and MileagePlus award rebates for extra value. The annual fee is easy to justify if you can use the extras, which are focused on United travel.
Why We Like It
The flagship benefits are up to $125 in statement credits each anniversary year when you charge your United flights to the card and up to 10,000 miles back when you book United award flights, each year starting with your first card anniversary. You’ll also get your first and second bags checked for free when flying United, priority boarding, 25% savings on in-flight purchases and premier upgrades on award tickets.
What We Don’t Like
Most purchases earn at uninspiring rates, so miles add up slowly.
Who It’s Best For
United flyers looking to earn (or requalify for) elite status are the ideal customers of this card since it allows you to earn Premier qualifying points.
Expert Commentary
Pros and Cons
- Up to $125 annual United purchase credit
- Earn up to two 5,000-mile award flight credits annually
- Two free checked bags for cardholder and a companion traveling on the same reservation
- Earn up to 6,000 Premier Qualifying Points per calendar year
- Primary auto collision damage waiver for eligible rentals
- Checked baggage benefit only applies to one companion
- Earnings for general purchases are only 1 mile per dollar
Card details
- 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

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Our expert take
The Aeroplan® Credit Card may seem an odd choice for U.S.-based flyers, but the card benefits not only Air Canada flyers—its Aeroplan points can be used to book United and other Star Alliance award flights. And its earning categories are among the best-in-class for daily spending.
Why We Like It
The Aeroplan card comes with the Air Canada benefits you expect from an airline card like a free first checked bag. Plus it bestows a lot of extras like status boosts and even discounts on select awards.
The card comes with a comprehensive set of travel insurances, auto rental coverage and purchase protection. In addition to having the opportunity to earn the welcome bonus, new cardmembers receive automatic 25K elite status for the remainder of the calendar year plus the following year.
What We Don’t Like
Except for transactions with Air Canada, there are no extra rewards for travel purchases.
Who It’s Best For
You’ll need to be somewhat savvy with miles and points to get the best value when redeeming Aeroplan points.
Expert Commentary
Pros and Cons
- Excellent rewards earning
- No foreign transaction fees
- Travel benefits including perks for Air Canada flyers.
Cons
- $95 annual fee
- Domestic flyers may find the redemption options limiting
Card details
- Earn up to 70,000 bonus points
- Earn 60K bonus points after you spend $3,000 on purchases in the first 3 months your account is open. Earn 10K bonus points after your annual fee renewal payment posts and is paid in full
- $95 Annual Fee
- Redeem points for both international and domestic flights with the Aeroplan® Credit Card.
- Fly to another continent and travel the world with the Aeroplan® Credit Card.
- Earn 3X points for each dollar spent at grocery stores, on dining at restaurants, and Air Canada directly. Earn 1X point for each dollar spent on all other purchases.
- 500 bonus points for every $2,000 you spend in a calendar month – up to 1,500 points per month.
- Member FDIC

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Our expert take
On top of providing a free night each year, The World of Hyatt Credit Card makes it easier to earn World of Hyatt points and get closer to earning elite status at a much-loved brand.
Why We Like It
The annual free award night is valid at any Category 1 through 4 hotel—and you can get another one for spending $15,000 on the card in a calendar year. Also, there aren’t many options to earn World of Hyatt points from credit cards, so this one stands out as an easy way to bolster your account balance. It’s also one of the few cards that offers bonus rewards on fitness and gym memberships.
What We Don’t Like
The card only provides low tier Discoverist status, which doesn’t include breakfast or suite upgrades.
Who It’s Best For
You need to be a Hyatt enthusiast to be a good fit for this card since several of the benefits (including the ability to earn tier-qualifying nights) won’t be relevant to casual travelers.
Expert Commentary
Pros and Cons
- Annual free night certificate on card member anniversary
- Complimentary World of Hyatt Discoverist status
- High redemption values for points
- Generous welcome bonus.
Cons
- Limited number of properties
- No worthwhile redemption options aside from Hyatt properties
- No intro APR offer
Card details
- Earn up to 65,000 Bonus Points. Earn 35,000 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 & 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

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Our expert take
The annual free night certificate and fourth night free on award stays makes the IHG One Rewards Premier Credit Card a fabulous hotel card.
Why We Like It
The card provides automatic Platinum Elite status and all the perks that come with it. Plus, the benefits from this card are easy to use, and the brand’s global footprint means just about any traveler can find an IHG hotel that fits their plans.
Cardholders also have access to a fantastic discount when booking reward stays—the fourth consecutive night is free when you pay with points for the first three nights. And those who spend $20,000 on their card in a calendar year receive a bonus $100 statement credit and 10,000 bonus points.
What We Don’t Like
Though the award discounts are lucrative, the earning rates are not particularly exciting.
Who It’s Best For
Any traveler staying with IHG at least once a year will come out ahead with this card.
Expert Commentary
Pros and Cons
- Earn up to 26 points per dollar spent when you stay at IHG Hotels & Resorts, 5 points on travel, gas stations, and restaurants and 3 points on all other purchases
- Free night award every account anniversary
- Fourth night free on point redemption stays
- Automatic Platinum Elite status.
Cons
- No worthwhile redemption options outside of IHG properties
- Low overall point value
Card details
- Limited Time Offer! Earn 170,000 Bonus Points
- Enjoy an Anniversary Free Night at IHG Hotels & 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 & 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 $120 every 4 years as reimbursement for the application fee charged to your card
- IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
- Member FDIC

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Our expert take
With the Citi Custom Cash® Card*, you can earn strong cash-back rewards in whichever eligible category you spend the most each billing cycle without an annual fee.
Why We Like It
The chance to earn 5% cash back is impressive on any card. This one dishes your rewards automatically without enrollments or activations.
What We Don’t Like
There’s a low spending limit of only $500 per billing cycle on your elevated earning category. New cardholders can make up for that shortfall with a welcome bonus and intro APR offer: 0% introductory APR for 15 months from date of account opening on purchases and from date of first transfer for balance transfers completed within 4 months of account opening. After that, the variable APR will be 18.24% to 28.24%, based on creditworthiness. There is also a balance transfer fee of 5% of each balance transfer; $5 minimum.
Who It’s Best For
This is a solid card for anyone with unpredictable expenses since the 5% rewards category changes with your spending patterns each billing period.
Expert Commentary
Pros and Cons
- No registration required to earn bonus rewards
- Cash-back categories are unique categories that other cards may not offer bonus rewards for
- Introductory APR on purchases and balance transfers
- No annual fee
Cons
- High balance transfer fee
- High foreign transaction fee
- Some everyday rewards categories are neglected
Card details
- Earn $200 cash back after spending $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
- Lengthy introductory APR offer
- Earn 5% cash back on purchases up to the first $500 spent in your top eligible spend category each billing cycle, 1% thereafter
- Earn unlimited 1% cash back on all other purchases
- No annual fee

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Our expert take
We chose the Citi Rewards+® Card because the introductory APR offer extends to new purchases and balance transfers, and there’s no annual fee. Decent rewards for everyday spending and a welcome bonus are other reasons to consider this card.
Why We Like It
This rewards card provides both a welcome bonus and an introductory APR offer. New cardholders get a 0% intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 17.74% to 27.74%, based on your creditworthiness. An intro balance transfer fee of either 3% of each transfer or a minimum amount of $5 within the first 4 months of account opening applies. After that, the amount of each balance transfer will be 5% of each transfer (minimum $5) applies. And it comes with other perks, too, including a rebate on redeemed points to stretch your rewards.
What We Don’t Like
The ongoing earning rates on this card are lackluster, with most purchases only earning 1 point per dollar spent. The chance to earn 5 points per dollar on hotels, rental cars and activities booked through CitiTravel.com through December 31, 2025 is one exception (assuming you have upcoming travel plans).
Who It’s Best For
This card makes sense for someone who already has a credit card that earns Citi ThankYou® Points and can combine rewards for additional redemption options.
Expert Commentary
Pros and Cons
- All purchases rounded up to the nearest 10 rewards points
- 10% points bonus added to the first 100,000 points redeemed annually
- No rotating categories to manage
- Foreign transaction fee
- Potentially high APR depending on your creditworthiness
- High balance transfer fee
- Annual $6,000 spending cap on 2 points per dollar category
Card details
- Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
- Plus, as a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
- 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 17.74% – 27.74%, based on your creditworthiness. 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).
- Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
- The Citi Rewards+® Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap.
- No Annual Fee