The 11 Best Credit Cards for Good and Excellent Credit Scores [2025]

Congratulations! Having good or excellent credit means you’ve managed your credit well and have earned the privilege of being able to select from the best credit cards available.

The world of enjoying premium travel benefits, paying for your trip with miles or points, earning cash-back on your purchases, and knowing you have coverage when things go wrong is great to experience.

However, you probably didn’t reach a high credit rating without having a few premium cards already, so you’ll want to select any new credit cards wisely. Consider factors such as Chase’s 5/24 rule, avoiding duplication of benefits, and the expense of high multiple annual fees not offsetting the benefits received.

Let’s take a look and compare some of the best credit cards for those who have achieved a good to excellent credit score, review the benefits and drawbacks of each card, and determine which cards are worth adding to your credit card portfolio.

Best Cards for Good and Excellent Credit Scores — Overview

What Is Good to Excellent Credit?

Credit scores are used by lenders to determine whether to grant you credit and the terms under which they’ll extend that credit. Having a credit score that is good to excellent will get you the best terms, including the lowest interest rates, lowest down payment, and lowest fees.

The exact numbers for a good to excellent credit score vary. Credit reporting agency Experian, for example, defines a good credit score as one that is 700 or better and an excellent credit score as 800 or better. Equifax, another of the 3 credit reporting agencies, describes a good credit score as being between 700 and 750 and an excellent score as 750 or above.

VantageScore, a credit scoring model developed by the 3 credit reporting agencies (Equifax, Transunion, and Experian), concurs that a good credit score is one that is at least 700 to 749 and an excellent score is one that is 750 to 850.

Bottom Line: If your credit score is between 700 and 850, you fall into the good to excellent credit range. If your score is still low, you might need to look into getting a credit card for bad credit to start boosting your score.

For information on monitoring your credit score, see our article on the best ways to monitor your credit score and credit report.

Best Personal Cards

Let’s start off with the best personal cards to get for good to excellent credit! In this section, we’ll show you our favorite picks.

The Platinum Card^® from American Express

NEW OFFER

Terms Apply / Rates & Fees

The Platinum Card^® from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

The Platinum Card^® from American Express

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Welcome Offer

You may be eligible for as high as 175,000 Membership Rewards^® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

As High As 175,000 Points. Find Out Your Offer.

UP's Offer Valuation*:

Up to $3,850

Annual Fee

$695

APR

See Pay Over Time APR

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent

Why We Like This Card

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card^® from American Express.

Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

Pros & Cons

Pros

• The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges (enrollment required), Plaza Premium Lounges, and many more!
• 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
• 5x points per dollar spent on prepaid hotels booked with AmexTravel.com

Cons

• $695 annual fee (rates and fees)
• Airline credit does not cover airfare (only incidentals like checked bags)

Read Full Review

Card Highlights

• You may be eligible for as high as 175,000 Membership Rewards^® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
• Earn 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.
• Enjoy the benefits of the Global Lounge Collection, with over $500 of annual value if you visit Centurion Lounges and each of our partner lounges including Delta Sky Club^® lounges when flying an eligible Delta flight (subject to visit limitations) , select Lufthansa lounges when flying Lufthansa, Plaza Premium lounges and Escape Lounges, and enroll in Priority Pass Select. See terms.
• A Walmart+ membership can get you free shipping with no order minimum on eligible items shipped by Walmart. Use your Platinum Card^® to pay for a monthly Walmart+ membership (subject to auto-renewal) and receive one statement credit for up to $12.95 (plus applicable taxes. Plus Ups not eligible) each month. Free Shipping excludes most Marketplace items, freight & certain location surcharges. Paramount+ Essential plan only, separate registration required.
• $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^® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
• $200 Uber Cash: Platinum Card^® Members can ride or dine in style with $15 in Uber Cash each month, plus a bonus $20 in December after adding their Card to their Uber account. Use your Uber Cash on rides and orders in the U.S. when you select an Amex Card for your transaction.
• $199 CLEAR^® Plus Credit: CLEAR^® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. Receive up to $199 in statement credits per calendar year after you pay for your CLEAR Plus Membership (subject to auto-renewal) with the Platinum Card^®.
• 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.
• Use Global Dining Access by Resy to access premium dining experiences. Receive Priority Notify and unlock insider access to some of the world's most sought-after restaurants with Global Dining Access by Resy. Download the Resy iOS app or log into Resy.com and add your Platinum Card^® to your Resy profile to take advantage of your special benefits and discover restaurants near you.
• $695 annual fee.
• Terms Apply.

Financial Snapshot

• APR: See Pay Over Time APR
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Hot Tip: Apply and find out if you’re eligible for a welcome bonus offer of as high as 175,000 points with the Amex Platinum. Welcome offers may vary and you may not be eligible for an offer.

The Amex Platinum card is one of the most popular ultra-premium cards — it happens to be one of the most exclusive cards out there.

In general, the Amex Platinum card is best-suited for those with good to excellent credit, and it has amazing benefits that make it oh-so-worth-it and a welcome bonus that’s worth well into the 4 figures.

The card earns 5x Membership Rewards points on the following purchases:

• Airfare booked directly through the airline through AmexTravel.com (up to $500,000 per calendar year)
• Prepaid hotel stays booked through AmexTravel.com

All other purchases earn 1x points per dollar spent.

This card benefits frequent travelers tremendously thanks to its series of travel benefits:

• Access to the American Express Global Lounge Collection, which includes Centurion Lounges, 10 visits a year to Delta Sky Clubs when flying Delta the same day plus the ability to unlock unlimited visits), Escape Lounge – The Centurion Studio Partner, Plaza Premium Lounges, Priority Pass lounges (upon enrollment), select Lufthansa Lounges when flying with Lufthansa Group the same day, and select Virgin Clubhouses
• Access to Fine Hotels & Resorts and The Hotel Collection
• Complimentary elite status with Hilton Honors (Gold) and Marriott Bonvoy (Gold Elite) upon enrollment
• Rental car elite status and benefits with Avis, Hertz, and National
• Up to $200 airline incidental fee credit
• Up to $200 prepaid hotel credit
• $199 CLEAR Plus credit
• Up to $120 Global Entry or TSA PreCheck application fee credit

There are also some impressive shopping and lifestyle benefits, such as:

• Up to $100 annual Saks Fifth Avenue credit
• Up to $240 annual digital entertainment credit
• Up to $12.95 monthly Walmart+ credit
• Up to $300 Equinox credit
• Cell phone protection
• Purchase protection and extended warranty
• No foreign transaction fees (rates & fees)

We love the fact that this card has no preset spending limit*, as well as some incredible travel insurance in an increasingly uncertain world of travel.

Why We Like Earning American Express Membership Rewards Points

American Express has done a fantastic job fine-tuning its signature rewards program, known as Membership Rewards.

If you follow our points and miles valuations, you’ll discover that Amex Membership Rewards points are the most valuable, worth 2.2 cents each. And if you earn 5x points, you’re earning a return on your spending of around 11%.

That said, it’s best to use your points for luxury award travel through the Amex transfer partners if you want the best value.

You can also use your points for cash-back, statement credits, charity, AmexTravel.com bookings, gift cards, merchandise, and more. Just don’t expect to get anywhere near the same value as you would when using Amex’s transfer partners.

Capital One Venture X Rewards Credit Card

Terms Apply / Rates & Fees

Capital One Venture X Rewards Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Capital One Venture X Rewards Credit Card

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Welcome Offer

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.

75,000 miles

UP's Offer Valuation*:

$1,350

Annual Fee

$395

APR

Purchases: 19.99% - 29.24% (Variable)

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Excellent (740-840)

Why We Like This Card

The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.

Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.

Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.

 

Pros & Cons

Pros

• 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
• 5x miles per $1 on flights and vacation rentals purchased through Capital One Travel
• 2x miles per $1 on all other purchases

Cons

• $395 annual fee (rates & fees)
• Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status

Read Full Review

Card Highlights

• 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
• Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
• 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^®

Financial Snapshot

• APR: Purchases: 19.99% - 29.24% (Variable)
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

 

Our next, runner-up credit card for good to excellent credit is the Capital One Venture X card. Anecdotally, the Capital One Venture X card seems to be more difficult to get approved for than the Amex Platinum card, but it actually has a slightly different value proposition.

In fact, it might make sense to have both the Amex Platinum card and Capital One Venture X card in your wallet.

In any case, cardholders will enjoy a substantial welcome bonus, as well as up to 10x Capital One miles:

• 10x miles on rental cars and hotels booked through Capital One Travel
• 5x miles on flights and vacation rentals booked through Capital One Travel
• 2x miles on all other purchases

Even though earning 10x miles is certainly an attention-grabbing benefit, we love the fact that you earn at least 2x miles on all non-bonused purchases.

In addition, we love the anniversary bonus of 10,000 miles every cardmember year, $300 Capital One Travel credit, and these airport lounge access privileges:

• Access to Capital One Lounges
• Complimentary Priority Pass Select membership

There’s even a Global Entry or TSA PreCheck application fee reimbursement and complimentary Hertz’s President’s Circle elite status, which is the top level.

The Capital One Venture X card also happens to be one of the most well-rounded credit cards because it boasts cell phone insurance, top-shelf travel insurance (including primary rental car insurance), no foreign transaction fees (rates & fees), and much more.

Hot Tip: Learn more about the benefits of the Capital One Venture X card in our detailed guide!

Why We Like Earning Capital One Miles

Capital One Miles shares a lot of similarities with American Express Membership Rewards. These can be used in a variety of ways, and we generally value Capital One miles at 1.8 cents each.

That translates to a maximum return on spending from the Capital One Venture X card of 18% if earning 10x miles on certain purchases.

Note that you’ll get the best value by transferring your rewards to Capital One’s airline and hotel partners for award travel.

Although your redemption value can exceed our valuations when booking award travel, it will sink dramatically if you use miles for other purposes, like gift cards, statement credits, travel booked through Capital One Travel, or online shopping.

American Express^® Gold Card

NEW OFFER

Terms Apply / Rates & Fees

American Express^® Gold Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

American Express^® Gold Card

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Welcome Offer

You may be eligible for as high as 100,000 Membership Rewards^® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

As High As 100,000 Points. Find Out Your Offer.

UP's Offer Valuation*:

Up to $2,200

Annual Fee

$325

APR

See Pay Over Time APR

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent

Why We Like This Card

The American Express^® Gold Card is a game-changer.

With this card, you can earn 4x Membership Rewards points at restaurants, up to $50,000 per calendar year, and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year, then 1x.

There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.

Pros & Cons

Pros

• 4x points per dollar at restaurants worldwide, up to $50,000 per calendar year; then 1x thereafter
• 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year; then 1x thereafter
• 3x points per dollar on flights purchased directly from airlines or at AmexTravel.com

Cons

• $325 annual fee (rates and fees)
• No lounge access

Read Full Review

Card Highlights

• You may be eligible for as high as 100,000 Membership Rewards^® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
• Earn 4X Membership Rewards^® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 4X Membership Rewards^® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
• 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 get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards^® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
• $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. Enrollment is required to receive this benefit.
• $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.
• Terms Apply.

Financial Snapshot

• APR: See Pay Over Time APR
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Hot Tip: Apply and find out if you’re eligible for a welcome bonus offer as high as 100,000 points with the Amex Gold card. Welcome offers may vary and you may not be eligible for an offer.

The Amex Gold card probably isn’t as prestigious as the Amex Platinum card, but it offers some exceptional rewards for the food-minded individual.

Amex offers a nice welcome offer on this card, as well as up to 4x Membership Rewards points on purchases:

• 4x points at restaurants worldwide (up to $50,000 per calendar year, then 1x)
• 4x points at U.S. supermarkets (up to $25,000 per calendar year, then 1x)
• 3x points on flights purchased directly with the airline or at AmexTravel.com
• 1x points on all other purchases

Based on our valuations of 2.2 cents per Amex point, you can get a return on spending of up to 8.8%!

With this card, you’ll also get the following annual statement credits:

• Up to $120 in Uber Cash, which is good for rides and Uber Eats orders in the U.S. (up to $10 per month; you must add your Amex Gold card to your account, but can use any Amex card for payment)
• Up to $120 dining credit, which is good at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys (up to $10 per month)
• Up to $100 Resy credit redeemable at any U.S. Resy restaurant and other eligible Resy purchases (distributed as $50 semi-annually)
• Up to $84 Dunkin’ credit redeemable at U.S. Dunkin’ locations (distributed as $7 per month)

Note that enrollment is required for some benefits, so make sure you’re enrolled to get the most out of your card’s benefits.

Hot Tip: The Amex Gold card often has additional discounts and bonus rewards you can take advantage of through Amex Offers!

Benefits include access to The Hotel Collection, travel insurance, and no foreign transaction fees. Lastly, you’ll enjoy no preset spending limit*, extended warranty coverage, and purchase protection, as well as no-additional-fee cards for up to 5 authorized users — $35 per card after that (rates & fees).

Citi Strata Premier℠ Card

Citi Strata Premier℠ Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Citi Strata Premier℠ Card

Welcome Offer

Earn 60,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com

60,000 points

UP's Offer Valuation*:

$960

Annual Fee

$95

APR

20.24% - 28.24% Variable APR

Why We Like This Card

The Citi Strata Premier℠ Card is a great all-around travel rewards card that allows you to earn big rewards on a variety of purchases like air travel, at restaurants, supermarkets, gas stations, and more, along with flexible redemption options, all for a modest annual fee.

Pros & Cons

Pros

• 10x points on hotels, car rentals, and attractions booked through CitiTravel.com
• 3x points on air travel, other hotel purchases, restaurants, supermarkets, gas stations, and EV charging stations
• $100 annual hotel benefit

Cons

• $95 annual fee

Read Full Review

Card Highlights

• Earn 60,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
• Earn 10X points per $1 spent on hotels, car rentals, and attractions booked on CitiTravel.com.
• Earn 3X points per $1 on air travel and other hotel purchases, at restaurants, supermarkets, gas and EV charging stations.
• Earn 1X 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.

Financial Snapshot

• APR: 20.24% - 28.24% Variable APR
• Foreign Transaction Fees: None

One of our favorite credit cards for earning transferrable rewards is the Citi Strata Premier card. If you want just 1 card to cover the vast majority of your everyday and travel expenses, the Citi Strata Premier card could be a fantastic choice for you.

And also, the Citi Strata Premier card, which is best suited for those with good to excellent credit, may be slightly easier to get approved for than the other personal credit cards in this guide.

First of all, the Citi Strata Premier card usually offers an amazing welcome bonus. But what gives this card the X factor is the ability to earn 3x ThankYou Points in many categories with no caps or limits:

From this list, you can start to appreciate how these purchases probably cover the vast majority of your spending activity, which will have you racking up rewards quickly.

All other purchases earn 1x points.

This card offers an up to $100 annual hotel savings benefit for a single hotel stay of $500 or more (excluding taxes and fees) when booked through thankyou.com, once per calendar year.

The Citi Strata Premier card also comes with no foreign transaction fees, zero liability fraud protection, contactless payments, access to Citi Entertainment, and authorized users for no additional annual fee.

Why We Like Earning Citi ThankYou Rewards Points

We peg Citi ThankYou Points as being worth 1.6 cents each, which translates to a 4.8% return on spending when earning 3x points.

And it’s easy to get outsized value from these points, thanks to the ability to transfer rewards to travel partners to book award travel.

You can also use Citi ThankYou Points for cash-back, statement credits, bookings through the Citi ThankYou travel portal, gift cards, and more, albeit at a reduced redemption value.

Chase Sapphire Reserve^®

Chase Sapphire Reserve^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

Chase Sapphire Reserve^®

A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

Welcome Offer

Earn 100,000 bonus points + $500 Chase Travel promo credit after you spend $5,000 on purchases in the first 3 months from account opening. Get more than $2,700 in annual value with Sapphire Reserve.

100,000 points + $500 Chase Travel credit

UP's Offer Valuation*:

$2,000

Annual Fee

$795

APR

20.24% - 28.74% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Excellent

Why We Like This Card

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve^® is one of the best options.

The card combines elite travel benefits and perks like worldwide airport lounge access, with excellent point earning and redemption options. Plus, it offers top-notch travel insurance protections to cover you at home or on the road.

Don’t forget the more than $2,000 in annual credits, which can offset the annual fee!

Pros & Cons

Pros

• 8x points on all Chase Travel purchases
• 5x points on Lyft rides
• 4x points on flights and hotels booked directly

Cons

• $795 annual fee

Read Full Review

Card Highlights

• Earn 100,000 bonus points + $500 Chase Travel℠ promo credit after you spend $5,000 on purchases in the first 3 months from account opening.
• Get more than $2,700 in annual value with Sapphire Reserve.
• Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
• $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge^® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck^® every 4 years
• Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
• Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music - all the music you love, across all your devices. Subscriptions run through 6/22/27 - a value of $250 annually
• Member FDIC

Financial Snapshot

• APR: 20.24% - 28.74% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

The Chase Sapphire Reserve card offers some incredible benefits and rewards for the ultra-premium customer.

In general, good to excellent credit is required for this credit card, and you can expect to earn a welcome offer plus up to 10x Ultimate Rewards points on purchases:

• 10x points on eligible Peloton gear
• 8x points on all Chase Travel purchases
• 5x points on Lyft purchases through September 30, 2027, plus up to $10 in monthly in-app credits
• 4x points on flights and hotels booked direct
• 3x points on all dining purchases worldwide
• 1x points on all other purchases

The Chase Sapphire Reserve card comes with up to $300 in both annual travel and dining credits, a complimentary Priority Pass Select membership, a Global Entry, TSA PreCheck, or NEXUS application fee reimbursement, and some of the best travel insurance you can find from a credit card.

It also has a unique Points Boost benefit of getting up to 2 cents per point when booking travel through Chase Travel.

It doesn’t end there — you can get hotel perks at The Edit by Chase, purchase protection, extended warranty coverage, and no foreign transaction fees.

Why We Like Earning Chase Ultimate Rewards Points

Chase Ultimate Rewards points are our second-most valuable rewards currency, right behind Amex Membership Rewards. We value them at 2.0 cents apiece, which translates to a maximum return on spending of up to 20% when using the Chase Sapphire Reserve card.

It turns out that these points can also be used for even more value in many instances if you book award travel through the Chase transfer partners.

Alternatively, you can “settle” for lower value through other redemptions like gift cards, statement credits, Pay Yourself Back, Chase travel portal bookings, Amazon.com, and charity.

Chase Sapphire Preferred^® Card

Chase Sapphire Preferred^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Chase Sapphire Preferred^® Card

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Welcome Offer

Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

75,000 points

UP's Offer Valuation*:

$1,500

Annual Fee

$95

APR

19.99% - 28.24% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent

Why We Like This Card

The Chase Sapphire Preferred^® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

Pros & Cons

Pros

• 5x points on all travel booked via the Chase Travel portal
• 3x points on dining purchases, online grocery purchases, and select streaming services
• 2x points on all other travel worldwide

Cons

• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status

Read Full Review

Card Highlights

• Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
• Enjoy benefits such as 5x on travel purchased through Chase Travel^SM, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
• Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel^SM
• 10% anniversary points boost – each account anniversary you’ll earn bonus points equal to 10% of your total purchases made the previous year.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
• Member FDIC

Financial Snapshot

• APR: 19.99% - 28.24% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

The last, but certainly not least, personal credit card in this guide is the Chase Sapphire Preferred card, which is Chase’s flagship mid-tier credit card.

The approval criteria for the Chase Sapphire Preferred card is generally a bit more relaxed than that of the Chase Sapphire Reserve card.

Right now, it has a terrific welcome bonus and an earning power of up to 5x Ultimate Rewards points:

• 5x points on Lyft purchases through September 30, 2027
• 5x points on travel purchased through the Chase travel portal
• 3x points on dining, select streaming services, and online grocery purchases (excluding Target, Walmart, and wholesale clubs)
• 2x points on all other travel purchases
• 1x points everywhere else

As you can see, the Chase Sapphire Preferred card carries some exceptional rewards. It gets even better because cardholders get a 10% anniversary bonus of rewards earned after every cardmember year.

This is compounded by the fact that the Chase Sapphire Preferred card comes with a complimentary DoorDash DashPass subscription (activate by December 31, 2027), amazing travel insurance, a $50 hotel credit every year, purchase protection, extended warranty, no foreign transaction fees, and no additional annual fees for authorized users.

Best Business Cards

What if you’re a business owner with good to excellent credit and want to get a shiny new credit card for your business?

Whether you’re looking at a new credit card for an existing business or a new business you’re planning on starting, we’ll show you the best options here!

The Business Platinum Card^® from American Express

Terms Apply / Rates & Fees

The Business Platinum Card^® from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Apply Now(at Amex's secure site)

The Business Platinum Card^® from American Express

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

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.

150,000 points

UP's Offer Valuation*:

Up to $3,300

Annual Fee

$695

APR

18.49% - 29.24% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent

Why We Like This Card

The Business Platinum Card^® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.

When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.

Pros & Cons

Pros

• 5x Membership Rewards points per $1 on flights, prepaid hotels, and short-term rentals and prepaid flight and hotel packages booked through Amex Travel
• Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection (as of 10/2024).
• Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (on up to $2 million per calendar year)

Cons

• High annual fee of $695 (rates & fees)
• Airline fee credit does not cover airfare, only incidentals like checked bags

Read Full Review

Card Highlights

• 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 10/2024.
• Unlock over $2,000 in statement credits with business and travel benefits annually* on the Business Platinum Card. Terms apply. Learn more. *After meeting qualifying spend thresholds
• New! Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
• New! Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on 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.
• 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 points on flights and prepaid hotels booked on AmexTravel.com
• 1.5X points (that’s an extra half point per dollar) on purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
• 1X points on other eligible purchases
• Use the Business Platinum Card^® and get up to $209 back per calendar year on your CLEAR^® Plus Membership (subject to auto-renewal).
• $695 Annual Fee.
• Terms Apply.

Financial Snapshot

• APR: 18.49% - 29.24% Variable
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 250,000 points with the Amex Business Platinum card. The current public offer is 150,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

The business version of the Amex Platinum card is the Amex Business Platinum card. But don’t be misled by the similar names because these 2 cards actually have a totally different set of benefits for their cardholders.

Similar to the Amex Platinum card, though, the Amex Business Platinum card offers a huge welcome offer to its new card members.

You can earn up to 5x Membership Rewards points on purchases with the Amex Business Platinum card:

• 5x points on flights, prepaid hotels, and short-term rentals and prepaid flight and hotel packages booked at AmexTravel.com
• 1.5x points on eligible purchases in key U.S. business categories, as well as on purchases of $5,000 or more elsewhere (up to $2 million in purchases per calendar year)
• 1x points on other purchases

And if you pay close attention, you can get more than $1,400 in statement credits every year:

You’ll also get up to $120 credit for Global Entry or TSA PreCheck application fees, as well as these tremendous travel benefits:

• Access to Fine Hotels & Resorts and The Hotel Collection
• Access to the American Express Global Lounge Collection
• 35% airline bonus when using Pay With Points via AmexTravel.com (up to 1 million points back every calendar year) for a redemption value of ~1.53 cents per point
• Complimentary hotel and car rental elite status and perks

Finally, the Amex Business Platinum card has cell phone insurance, purchase protection, extended warranty coverage, no foreign transaction fees, and no preset spending limit* (rates & fees).

American Express^® Business Gold Card

ELEVATED OFFER

Terms Apply / Rates & Fees

American Express^® Business Gold Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

Apply Now(at Amex's secure site)

American Express^® Business Gold Card

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

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.

100,000 points

UP's Offer Valuation*:

Up to $2,200

Annual Fee

$375

APR

18.49% - 29.24% Variable,0% on purchases for 6 months from date of account opening

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent

Why We Like This Card

The American Express^® Business Gold Card is excellent at racking up rewards for your business spend.

The card earns a whopping 4x points per $1 in the 2 categories (from a list of 6) that your business spends the most money on each month. With no need to opt-in or preselect your categories, so you can focus on what matters most — running your business.

Pros & Cons

Pros

• 4x points per dollar spent on your 2 highest purchase categories each month up to $150,000 each calendar year in purchases; categories include:
  • Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
  • U.S. purchases made from electronic goods retailers and software & cloud system providers
  • Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants, including takeout and delivery
  • Purchases at U.S. media providers for advertising in select media (online such as Google Ads, Facebook Ads, plus TV and radio)
• 3x points per dollar on flights and prepaid hotels booked on amextravel.com using your Business Gold Card
• Access to Amex’s The Hotel Collection

Cons

• $375 annual fee (rates and fees)
• No elite travel benefits like airport lounge access or elite status

Read Full Review

Card Highlights

• 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 29.24% 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

Financial Snapshot

• APR: 18.49% - 29.24% Variable,0% on purchases for 6 months from date of account opening
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 200k points with the Amex Business Gold card. The current public offer is 100,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

We love the Amex Business Gold card because it excels in rewards without the large price tag associated with offering luxury travel perks as the Amex Business Platinum card has.

At the moment, the Amex Business Gold card is being promoted with an exceptional welcome offer.

This card earns 4x Membership Rewards points on the top 2 categories in which your business spends the most every month (up to $150,000 in combined purchases every calendar year):

• Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
•  U.S. purchases made from electronic goods retailers and software & cloud system providers
• Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
• U.S. purchases at gas stations
• U.S. purchases at restaurants, including takeout and delivery
• Purchases at U.S. media providers for advertising in select media (online, TV, radio)

 

Your 4x points are capped at the first $150,000 spent every calendar year, which should land you at 600,000 points earned with a return on spending of 8.8%, worth more than $13,000! You’ll also earn 3x points on flights and prepaid hotels booked through AmexTravel.com and 1x points on all other eligible purchases.

Additionally, the Amex Business Gold card has the ability to book stays at The Hotel Collection, no preset spending limit*, and no foreign transaction fees (rates & fees).

With the Amex Business Gold card, the annual fee for employee cards is $95 for the first five cards and then $95 for each card thereafter, up to 99 cards (rates & fees).

Ink Business Preferred^® Credit Card

Ink Business Preferred^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

Ink Business Preferred^® Credit Card

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

Welcome Offer

Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

90,000 points

UP's Offer Valuation*:

$1,800

Annual Fee

$95

APR

20.24% - 26.24% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The Ink Business Preferred^® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.

Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.

Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.

Pros & Cons

Pros

• 3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
• Cell phone protection
• Purchase protection

Cons

• No elite travel benefits like airport lounge access

Read Full Review

Card Highlights

• Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening
• 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 more when you redeem for travel through Chase Travel^SM
• 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

Financial Snapshot

• APR: 20.24% - 26.24% Variable
• Foreign Transaction Fees: $0

Rewards Center

Chase Ultimate Rewards

Currently, the Ink Business Preferred card is one of Chase’s most popular business credit cards. And it’s easy to see why because Chase reels you in with an enormous welcome bonus and the ability to earn 3x Ultimate Rewards points on the first $150,000 in combined purchases every cardmember year in these select business categories:

So if you see yourself spending a lot of money on ads or travel for your business, for instance, you can enjoy some fabulous rewards, worth a return on spending of up to 6%.

Furthermore, earn 5x points on Lyft purchases through September 30, 2027, and 1x points elsewhere.

This credit card is a bit light on travel benefits, but it still comes with exceptional travel insurance (including primary rental car coverage), purchase protection, extended warranty, cell phone insurance, employee cards for no additional annual fee, and no foreign transaction fees.

Ink Business Unlimited^® Credit Card

Ink Business Unlimited^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

Ink Business Unlimited^® Credit Card

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

Welcome Offer

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

$750

UP's Offer Valuation*:

$750

Annual Fee

$0

APR

0% intro APR on purchases for 12 months; variable 17.49% - 23.49% thereafter

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.

If so, the Ink Business Unlimited^® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.

Don’t forget too, 0% intro APR on purchases for 12 months; variable 17.49% - 23.49% thereafter

Pros & Cons

Pros

• 1.5% cash-back on all purchases
• No annual fee
• 0% intro APR on purchases for 12 months; variable 17.49% - 23.49% thereafter

Cons

• 3% foreign transaction fee

Read Full Review

Card Highlights

• 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

Financial Snapshot

• APR: 0% intro APR on purchases for 12 months; variable 17.49% - 23.49% thereafter
• Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

• Chase Ultimate Rewards

The Ink Business Unlimited card, which is also issued by Chase, appeals to those who need rewards on all business purchases at an enhanced rate, as opposed to specific bonus categories.

This card entices you with a fantastic welcome bonus, plus a flat 1.5% cash-back rewards on all purchases. Note that you’ll still get 5% cash-back on Lyft purchases through September 30, 2027, on this card.

Additionally, the 0% introductory APR promotion, as shown in the table above, can help you fund your business and defer your interest payments for a little while.

This credit card earns rewards that can be converted from 1.5% cash-back to 1.5x Ultimate Rewards points if you happen to also have a card like the Chase Sapphire Preferred card, Chase Sapphire Reserve card, or Ink Business Preferred card.

Lastly, there’s purchase protection, extended warranty coverage, primary rental car coverage, no-additional-charge employee cards, and more. Best of all, there’s no annual fee.

Ink Business Cash^® Credit Card

Ink Business Cash^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

Ink Business Cash^® Credit Card

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

Welcome Offer

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.

Up to $750

UP's Offer Valuation*:

Up to $750

Annual Fee

$0

APR

0% intro APR on purchases for 12 months; 17.49% - 25.49% variable thereafter.

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The Ink Business Cash^® Credit Card has a lot going for it that makes it a compelling choice for small business owners. The card features a very lucrative 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.

When you factor in that the card has no annual fee, and 0% intro APR on purchases for 12 months; variable 17.49% - 25.49% thereafter, you could be adding big value back into your business for no cost out of pocket.

Pros & Cons

Pros

• Earn 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year
• Earn 2% back on up to $25,000 spent in combined purchases at gas stations and restaurants, and 1% back on all other purchases
• Travel insurance and purchase protection

Cons

• Spending caps in bonus categories
• Low points earning outside of bonus categories

Read Full Review

Card Highlights

• 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

Financial Snapshot

• APR: 0% intro APR on purchases for 12 months; 17.49% - 25.49% variable thereafter.
• Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

Chase Ultimate Rewards

The very last credit card we’ll be highlighting in this guide is the Ink Business Cash card, which many people consider to be the sister credit card to the Ink Business Unlimited card.

Right now, you’ll earn an incredible welcome bonus, as well as the 0% introductory promotion as part of the bonus.

Also, you’ll earn up to 5% cash-back:

• 5% cash-back on Lyft purchases through September 30, 2027
• 5% cash-back on the first $25,000 in combined purchases every cardmember year at office supply stores and on internet, cable, and phone services
• 2% cash-back on the first $25,000 in combined purchases every cardmember year at gas stations and restaurants
• 1% cash-back on other purchases

Just like the Ink Business Unlimited card, this card earns rewards that can easily be converted to Ultimate Rewards points if you have an Ultimate Rewards card like the Chase Sapphire Preferred card, which would transform your 5% cash-back to 5x Ultimate Rewards points, doubling the value of your rewards.

The Ink Business Cash card also has roadside dispatch, purchase protection, extended warranty coverage, primary car rental coverage, no additional fee employee cards, and no annual fee.

Final Thoughts

Although this may seem like an exhaustive list, this is only a sample collection of credit cards we consider best for good to excellent credit. Depending on the category of card you’re looking for, you’ll find dozens, if not hundreds, of other choices.

We’ve abbreviated some of the benefit summaries for condensed content and easier comparisons, so you should review cardholder agreements for each card before applying.

*No Preset Spending Limit on an American Express card means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.

For Capital One products listed on this page, some of the benefits may be provided by Visa^® or Mastercard^® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at that status level through the duration of the offer. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply.