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Amex vs. Capital One Credit Cards – Which Is Best? [2025]

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Stephen Au
Updated: 
Edited by: Juan Ruiz
& Kellie Jez
Amex vs. Capital One Credit Cards – Which Is Best? [2025]
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Key Takeaways

  • Amex Membership Rewards points are generally more valuable than Capital One miles, offering more transfer partners, including Delta SkyMiles and ANA Mileage Club, making them more useful overall.
  • The Platinum Card® from American Express is a premium travel rewards card that earns 5x points on flights (up to $500,000 per year, then 1x) and prepaid hotels booked through AmexTravel.com, and has luxury travel benefits.
  • The Capital One VentureOne Rewards Credit Card is a $0-annual-fee rewards card (rates & fees) that earns 1.25 miles on all purchases.

In the world of credit card rewards, American Express and Chase have some of the most exciting products. And although Amex is no stranger to exclusivity, luxury travel, and rewards, Capital One has recently started investing a ton of capital into beefing up its credit card products.

While American Express has offered cards with luxury travel benefits and travel rewards for as long as we can remember, Capital One is a relatively avant-garde addition to the luxury travel ecosystem.

In this guide, we help you compare American Express and Capital One cards head-to-head.

We’ve split up the various cards available into several different categories. Let’s see how Capital One Miles cards stack up against Amex Membership Rewards cards!

Comparing Amex Membership Rewards and Capital One Miles

Lufthansa B747-8 First Class Cabin - Cherag Dubash
Lufthansa first class. Image Credit: Cherag Dubash

American Express’ rewards program is known as Membership Rewards, and we generally refer to the points you earn and redeem on Amex Membership Rewards cards as Amex points or Amex Membership Rewards points.

Similarly, Capital One’s flagship travel rewards program is Capital One Miles, and miles earned or redeemed are generally referred to as Capital One miles.

Amex has its own suite of cards participating in Membership Rewards, and Capital One has different cards earning Capital One miles.

Each card has different accrual structures, benefits, and conditions for participation.

Currently, Amex Membership Rewards points can be used for:

  • Amex travel partners
  • Eligible airfare booked via Amex Travel using Pay With Points (which qualifies for an airline bonus of up to 35% and up to 1,000,000 Membership Rewards points per calendar year)
  • Other airfare and travel booked through Amex Travel, including hotels and car rentals
  • Online merchandise
  • Amazon.com transactions
  • Best Buy purchases
  • Statement credits
  • PayPal purchases
  • Gift cards

Meanwhile, Capital One miles can be used for:

Of course, we always recommend leveraging transfer partnerships for maximum value.

Outside of transfers, Amex points can generally get you around 1.53 cents per point on airfare booked with the Pay With Points airline bonus, while Capital One miles max out at a value of 1 cent per mile.

Transfer Partnerships

Transferring rewards to airline and hotel partners is the way to get immense value from your points.

In this case, both Amex Membership Rewards and Capital One Miles maintain their own lists of transfer partners. Some airlines are transfer partners with both Amex and Capital One, while others are exclusive to just 1 of the banks.

For example, transfers to Emirates Skywards are possible with either Amex points or Capital One miles.

In most cases, American Express points are more valuable than Capital One miles for the simple reason Amex has better transfer partnerships like:

That said, Capital One does have a transfer partnership with Turkish Airlines Miles&Smiles that Amex does not, which boosts its value proposition slightly.

Lastly, Capital One has a transfer partnership with Wyndham Rewards, which allows you to book stays at Vacasa vacation rental properties using points.

We value Amex points at around 2.2 cents each and Capital One miles at 1.8 cents each.

Bottom Line: Amex points are generally more valuable than Capital One miles. Because Amex has many of the same transfer partners that Capital One does, plus other partners like Delta SkyMiles and ANA Mileage Club, we think Amex points are more useful. However, Capital One has transfer partnerships with Turkish Airlines Miles&Smiles and Wyndham Rewards that could potentially be lucrative for certain travelers.

Best Overall Travel Rewards Card

Travel
There’s nothing quite like getting a free vacation with your credit card spending. Image Credit: KaLisa Veer via Unsplash

If you’re looking for a fantastic midtier card to help you amass rewards as quickly as possible, Amex and Capital One both offer great options.

Winner: American Express® Gold Card

BEST FOR DINING
American Express® Gold CardTerms Apply / Rates & Fees
American Express® Gold Card
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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!
Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
60,000 points
Up to $1,200
$325
See Pay Over Time APR
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
Read Full Review
Card Highlights
  • Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
  • Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
  • Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
  • Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
  • Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
  • Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and 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 at 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.
  • $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
  • $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
  • Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
  • No Foreign Transaction Fees.
  • Annual Fee is $325.
  • Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.
Financial Snapshot
  • APR: See Pay Over Time APR
  • 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 90k points with the Amex Gold card. The current public offer is 60,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Gold card is one of our favorite cards for everyday purchases, especially if you’re most concerned with racking up a ton of rewards.

This card offers a strong earning of up to 4x Membership Rewards points per dollar earned:

  • 4x points at restaurants worldwide (up to $50,000 per calendar year), including delivery and takeout in the U.S.
  • 4x points at U.S. supermarkets (up to $25,000 per calendar year)
  • 3x points on flights booked directly with airlines or via Amex Travel
  • 1x points on other purchases

Earning 4x points is equivalent to an 8.8% return on spending, which is absolutely massive. If you earn 3x points, that’s equal to a 6.6% return on spending.

Even better, the Amex Gold card also offers up to $424 in statement credits every year:

  • Up to $120 per year in dining statement credits at participating restaurants, including Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys (enrollment required)
  • Up to $120 per year in Uber Cash to use for U.S. Uber rides or Uber Eats orders after you add your Amex Gold card to your Uber account
  • Resy Credit: $100 annual statement credit ($50 semi-annually), redeemable at any U.S. Resy restaurant and other eligible Resy purchases. Enrollment required through your Amex account.
  • Dunkin’ Credit: $84 annual statement credit ($7/month), redeemable at U.S. Dunkin’ locations. Enrollment required.

The Amex Gold card also has no preset spending limit*, basic travel insurance, no foreign transaction fees (rates & fees), and up to 5 authorized users for no additional annual fee — $35 per card annually after that (rates & fees).

*No Preset Spending Limit 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.

Runner-Up: Capital One Venture Rewards Credit Card

LIMITED TIME OFFER
Capital One Venture Rewards Credit CardTerms Apply / Rates & Fees
Capital One Venture Rewards Credit Card
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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 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Apply Now(at Capital One's secure site)
Capital One Venture Rewards Credit Card
Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!
Earn 75,000 miles once you spend $4,000 within the first 3 months of account opening, plus receive a one-time $250 Capital One Travel credit in your first cardholder year – that’s equal to $1,000 in travel.
75,000 miles + $250 travel credit
$1,600
$95
19.99% - 29.24% (Variable)
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 Credit (670-850)
Why We Like This Card

The Capital One Venture Rewards Credit Card is one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great welcome offer, high rewards rates, and flexible redemption options.

Frequent travelers with excellent credit may benefit from this credit card that offers a lot of bells and whistles. And it offers easy-to-understand rewards earning and redemption.

Pros & Cons
Pros
  • 5x miles per $1 on hotels, vacation rentals, and rental cars booked through Capital One Travel
  • 2x miles per $1 on all other purchases
  • Up to a $120 Global Entry or TSA PreCheck application fee credit
Cons
Read Full Review
Card Highlights
  • Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $120 credit for Global Entry or TSA PreCheck®
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
  • Transfer your miles to your choice of 15+ travel loyalty programs
Financial Snapshot
  • APR: 19.99% - 29.24% (Variable)
  • Foreign Transaction Fees: None
Rewards Center

Capital One Miles

The Capital One Venture card finishes as the runner-up, and it offers a similarly fabulous welcome offer and the capability of earning up to 5x Capital One miles:

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

Earning a minimum of 2x miles on all purchases is particularly impressive with this credit card — plus, there’s a Global Entry or TSA PreCheck application fee credit.

The Capital One Venture card also comes with travel and emergency assistance services and no foreign transaction fees (rates & fees).

Best Overall Business Card

Business cards are some of the most competitive card products out there — business owners typically spend significantly more than ordinary consumers. This section will show you our 2 favorite overall business cards between Amex and Capital One.

Winner: American Express® Business Gold Card

ELEVATED OFFER
American Express® Business Gold CardTerms Apply / Rates & Fees
American Express® Business Gold Card
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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).
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 to $2,200
$375
18.49% - 27.49% Variable,0% on purchases for 6 months from date of account opening
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 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
Financial Snapshot
  • APR: 18.49% - 27.49% 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.)

In this category, our favorite card is the Amex Business Gold card, which offers amazing rewards in a variety of categories.

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)

Even better, your rewards are automatically adjusted on every billing statement, so you don’t need to worry about selecting bonus categories. If these bonus categories are maxed out every year, you end up with 600,000 Amex points, which are worth around $13,200, by our valuations.

The Amex Business Gold card even comes with access to The Hotel Collection, which entitles you to a $100 property credit and a room upgrade, subject to availability, on eligible hotel stays of at least 2 consecutive nights.

Lastly, the Amex Business Gold card has no preset spending limit* and no foreign transaction fees (rates & fees).

*No Preset Spending Limit 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.

Runner-Up: Capital One Spark Miles for Business

Capital One Spark Miles for Business
Capital One Spark Miles for Business
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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 Spark Miles card is a low-annual-fee business card that earns 2x transferable miles on every dollar you spend. The information regarding this card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Capital One Spark Miles for Business
The Capital One Spark Miles card is a low-annual-fee business card that earns 2x transferable miles on every dollar you spend. The information regarding this card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.
50,000 miles
$900
$0 intro for the first year, $95 after that
25.24% (Variable)
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 Capital One Spark Miles for Business is a great option for business owners looking for an uncomplicated rewards card that earns double miles on every purchase they make and offers access to transfer partners, all for a low annual fee.

 

Pros & Cons
Pros
  • Unlimited 2x miles per dollar spent on all purchases
  • 5x miles per dollar spent on hotels, vacation rentals, and rental cars purchased through Capital One’s travel booking site
  • Up to a $120 Global Entry or TSA PreCheck credit
Cons
    • Annual fee: $0 intro for the first year, $95 after that
Read Full Review
Card Highlights
  • Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
  • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account
  • Unlimited 5X miles per dollar on hotels, vacation rentals and rental cars booked through Capital One’s travel booking site
  • Transfer your miles to 15+ travel loyalty programs
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • Receive up to a $120 credit for Global Entry or TSA PreCheck®
  • $0 intro annual fee for the first year; $95 after that
  • Free employee cards which also earn unlimited 2X miles per dollar from their purchases
Financial Snapshot
  • APR: 25.24% (Variable)
  • Foreign Transaction Fees: None
Rewards Center

Capital One Miles

 

The Capital One Spark Miles cardInformation collected independently. Not reviewed by Capital One. is our runner-up business card, but this credit card has a totally different ideal cardholder than the Amex Business Gold card.

The card can earn up to 5x Capital One miles:

  • 5x miles on hotels, vacation rentals, and rental cars booked through Capital One’s travel booking site
  • 2x miles on other purchases

As you can see, the Capital One Spark Miles card doesn’t have extensive bonus categories like the Amex Business Gold card. Instead, it appeals to business owners who would rather earn fewer bonus rewards without worrying about bonus categories.

For benefits, the card offers a Global Entry or TSA PreCheck application fee credit, zero fraud liability, purchase protection, extended warranty, no foreign transaction fees, and employee cards for no additional annual fee.

Best Premium Travel Rewards Card

Airport lounge
Image Credit: Max Harlynking via Unsplash

If you’re the type of person who doesn’t cut any corners on the best experiences while traveling, you might like the idea of a premium travel rewards card.

These cards offer the best luxury travel perks out there, and we’ll show you which cards we love for this consumer segment.

Winner: The Platinum Card® from American Express

BEST LOUNGE ACCESS
The Platinum Card® from American ExpressTerms Apply / Rates & Fees
The Platinum Card® from American Express
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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.
Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on the Card in your first 6 months of Card Membership.
80,000 points
Up to $1,760
$695
See Pay Over Time APR
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
  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
  • With American Express Global Lounge Collection® you can enjoy access to over 1,400 airport lounges globally, including The Centurion® Lounge, Unlimited Delta Sky Club® Access when flying an eligible Delta flight, Escape Lounges, Lufthansa Lounges when flying Lufthansa Group, Plaza Premium, Priority Pass™ Select Lounges, & Additional Global Lounge Collection Partner Lounges subject to visit limitations. Lounges may have their own rules, like additional access rules and guest fees, and for Priority Pass Select, you need to enroll and there are unlimited airport lounge visits for Card Members. With Delta Sky Club Access, Card Members will receive 10 Visits to the Delta Sky Club to be used from February 1 until January 31 of the next calendar year and can unlock Unlimited Delta Sky Club Access by spending $75,000 in eligible purchases on their Card in a calendar year. To find a lounge, visit the membership section in the American Express® App or visit http://www.americanexpress.com/findalounge#/loungefinder.
  • $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
  • $200 Uber Cash: Platinum Card® Members can 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 to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
  • Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
  • $695 annual fee.
  • 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.
Financial Snapshot
  • APR: See Pay Over Time APR
  • 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 175k points with the Amex Platinum. The current public offer is 80,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Platinum card is, without a doubt, the undisputed winner in the premium travel rewards card sector. You can get up to 5x Membership Rewards points on purchases:

  • 5x points on flights purchased directly with the airline or through Amex Travel (on up to $500,000 of these purchases every calendar year)
  • 5x points on prepaid hotels booked with Amex Travel
  • 1x points on other purchases

Earning up to 5x points is equivalent to a return on spending of around 11%, based on our valuations.

But we love this card mainly because of the luxury travel benefits. To start, the Amex Global Lounge Collection is accessible with the Amex Platinum card, which confers the best airport lounge access available from a single card. It covers these lounges:

Furthermore, this card gives you access to the incredible Amex Fine Hotels & Resorts program and The Hotel Collection.

It even gets you fantastic elite status with Hilton Honors (Gold) and Marriott Bonvoy (Gold Elite) upon enrollment, as well as rental car status and/or privileges with Avis, Hertz, and National (enrollment required).

Even better, you get a Global Entry or TSA PreCheck application fee credit and a series of statement credits that could pay for the annual fee every year (enrollment required):

This card also has no preset spending limit*, no foreign transaction fees, excellent travel insurance, and more (rates & fees).

*No Preset Spending Limit 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.

Runner-Up: Capital One Venture X Rewards Credit Card

Capital One Venture X Rewards Credit CardTerms Apply / Rates & Fees
Capital One Venture X Rewards Credit Card
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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.
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
$1,350
$395
19.99% - 29.24% (Variable)
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 complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and the Partner Lounge Network
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
  • Receive up to a $120 credit for Global Entry or TSA PreCheck®
Financial Snapshot
  • APR: 19.99% - 29.24% (Variable)
  • Foreign Transaction Fees: None
Rewards Center

Capital One Miles

 

The Capital One Venture X card is Capital One’s flagship premium credit card. With a fantastic welcome offer and unique benefits, it’s no wonder that it’s one of the hottest cards on the market.

Expect to earn a maximum of 10x Capital One miles on purchases:

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

Additionally, you get a Capital One Travel credit of up to $300 and a 10,000-mile anniversary bonus every year. This is on top of the Global Entry or TSA PreCheck application fee credit, unlimited complimentary visits to Capital One Lounges and Priority Pass Lounges, and top-tier Hertz President’s Circle status.

The Capital One Venture X card also comes with cell phone protection, no foreign transaction fees (rates & fees), the ability to add additional cardholders for no fee (rates & fees), purchase protection, extended warranty, and superb travel insurance.

Best Premium Travel Rewards Business Card

What if you love premium travel perks but you happen to be a business owner? That’s what this section is for!

Unfortunately, Capital One doesn’t offer a premium credit card for travel rewards. However, we are absolutely obsessed with Amex’s card offering in this space.

Winner: The Business Platinum Card® from American Express

LIMITED TIME TRAVEL OFFER
The Business Platinum Card® from American ExpressTerms Apply / Rates & Fees
The Business Platinum Card® from American Express
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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!
Earn 150,000 Membership Rewards® points after you spend $20,000 on eligible purchases on your Business Platinum Card® within the first 3 months of Card Membership. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card® within the first 3 months of Card Membership. You can earn one or both of these offers. Offer ends 6/30/25.
150,000 points + $500 statement credit
Up to $3,800
$695
18.49% - 27.49% Variable
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
  • Limited Time Travel Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 on eligible purchases on your Business Platinum Card® within the first 3 months of Card Membership. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card® within the first 3 months of Card Membership. You can earn one or both of these offers. Offer ends 6/30/25.
  • 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 $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.
  • 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.
  • Earn 5X Membership Rewards® points for flights, prepaid hotels, and short-term rentals and prepaid flight + hotel packages booked at AmexTravel.com. 1X points on other 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.
Financial Snapshot
  • APR: 18.49% - 27.49% 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 plus a $500 statement credit. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Business Platinum card shares many similarities with the Amex Platinum card, but these are 2 totally different products with different benefits.

You’ll earn up to 5x Membership Rewards points on purchases:

  • 5x points on flights and prepaid hotels booked through Amex Travel
  • 1.5x points on purchases in key business categories and on purchases of $5,000 or more elsewhere (on up to $2 million in purchases every year)
  • 1x points on other purchases

Just like the Amex Platinum card, there’s no preset spending limit*, plus luxury travel benefits, including access to the American Express Global Lounge Collection, Fine Hotels & Resorts, The Hotel Collection, complimentary Hilton Honors Gold and Marriott Bonvoy Gold Elite status upon enrollment, and car rental perks with Avis, Hertz, and National upon enrollment.

*No Preset Spending Limit 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.

Another difference is in the annual statement credits (enrollment required):

Another fabulous benefit the Amex Business Platinum card offers is the 35% airline bonus when using Pay With Points on eligible flights through Amex Travel (up to 1,000,000 Membership Rewards points back per calendar year).

As usual, you also get travel insurance and no foreign transaction fees (rates & fees).

Runner-Up: Capital One Venture X Business Card

LIMITED TIME OFFER
Capital One Venture X Business Card
Capital One Venture X Business Card
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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 Business card offers at least 2x miles on all purchases, and comes packed with premium perks. The information regarding this card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Capital One Venture X Business Card
The Capital One Venture X Business card offers at least 2x miles on all purchases, and comes packed with premium perks. The information regarding this card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
For a limited time, earn up to 350,000 bonus miles: 150,000 miles once you spend $30,000 in the first 3 months, and an additional 200,000 miles once you spend $200,000 in the first 6 months.
Up to 350,000 miles
Up to $6,300
$395
All charges made on this account are due and payable in full when you receive your periodic statement. The minimum payment due is the New Balance as indicated on your statement.
Why We Like This Card

The Capital One Venture X Business card is a great all-around premium rewards card that helps you rack up miles on all of your business expenses.

From 2x miles per dollar on all purchases, airport lounge access, an annual travel credit, complimentary employee cards, and more, there is plenty to love about the Capital One Venture X Business card.

Pros & Cons
Pros
  • 10x miles per dollar on hotels and rental cars purchased through Capital One’s travel booking site
  • 5x miles per dollar on flights and vacation rentals purchased through Capital One’s travel booking site
  • 2x miles per dollar on all other purchases
Cons
  • $395 annual fee
  • 10x and 5x bonus categories are limited to Capital One’s travel booking site
Read Full Review
Card Highlights
  • For a limited time, earn up to 350,000 bonus miles: 150,000 miles once you spend $30,000 in the first 3 months, and an additional 200,000 miles once you spend $200,000 in the first 6 months
  • 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’s travel booking site
  • 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 made through Capital One’s travel booking site
  • 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
Financial Snapshot
  • APR: All charges made on this account are due and payable in full when you receive your periodic statement. The minimum payment due is the New Balance as indicated on your statement.
  • Foreign Transaction Fees: None
Rewards Center

Capital One Miles

The Capital One Venture X Business cardInformation collected independently. Not reviewed by Capital One. packs a heavy punch for business owners. The card does have an annual fee, but you earn a sizeable welcome bonus offer: For a limited time, earn up to 350,000 bonus miles: 150,000 miles once you spend $30,000 in the first 3 months, and an additional 200,000 miles once you spend $200,000 in the first 6 months. We value Capital One miles at 1.8 cents per mile, making your bonus miles worth $6,300 by that valuation.

The earning potential is limitless with the card. You earn unlimited 10x miles on hotels and rental cars booked through Capital One’s travel booking site, 5x miles on flights and vacation rentals booked through Capital One’s travel booking site, and unlimited 2x miles on all other purchases.

And, similar to the Amex Business Platinum card, the statement credits make this card worth applying for:

  • A $300 annual credit for bookings through Capital One’s travel booking site, where you get Capital One’s best prices on thousands of trip options
  • Up to a $120 credit for Global Entry or TSA PreCheck

Finally, you receive other cool travel perks, such as 10,000 bonus miles (equal to $100 toward travel) every year, starting on your first anniversary, cardholder benefits toward Premier or Lifestyle Collections, complimentary access to over 1,300 lounges, and more.

Best No-Annual-Fee Rewards Credit Card

What if you’re in the market for a card that still earns rewards (maybe at a reduced rate) without an annual fee?

Capital One offers a great product!

Winner: Capital One VentureOne Rewards Credit Card

Capital One VentureOne Rewards Credit CardTerms Apply / Rates & Fees
Capital One VentureOne Rewards Credit Card
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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 card offers unlimited miles at 1.25x per $1 and no annual fee. When you consider the flexible rewards, frequent travelers come out on top.

Apply Now(at Capital One's secure site)
Capital One VentureOne Rewards Credit Card
The card offers unlimited miles at 1.25x per $1 and no annual fee. When you consider the flexible rewards, frequent travelers come out on top.
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel.
20,000 miles
$360
$0
19.24% - 29.24% (Variable),0% intro on purchases for 15 months
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

Interested in a travel rewards credit card without one of those pesky annual fees? Then say hello to the Capital One VentureOne Rewards Credit Card.

In addition to no annual fee, the Capital One VentureOne card offers no foreign transaction fees.

But is this card worth its salt, or is it merely a shell of the more popular Capital One Venture card?

Pros & Cons
Pros
Cons
  • Weak earn rate at 1.25x miles per $1 spent on all purchases
  • No luxury travel or elite benefits
Read Full Review
Card Highlights
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; balance transfer fee applies
Financial Snapshot
  • APR: 19.24% - 29.24% (Variable),0% intro on purchases for 15 months
  • Foreign Transaction Fees: None
Rewards Center

Capital One Miles

The Capital One VentureOne card is the entry-level credit card in the Venture family. It has no annual fee (rates & fees), and it also earns up to 5x Capital One miles in addition to the solid welcome offer:

  • 5x miles on hotels and car rentals booked through Capital One Travel
  • 1.25x miles on other purchases

Plus, this card comes with benefits like extended warranty protection, rental car insurance, and no foreign transaction fees (rates & fees).

Best No-Annual-Fee Rewards Business Card

If you like business credit cards with no annual fee, this next section is for you!

Winner: The Blue Business® Plus Card from American Express

The Blue Business® Plus Credit Card from American ExpressTerms Apply / Rates & Fees
The Blue Business® Plus Credit Card from American Express
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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.

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

Apply Now(at Amex's secure site)
The Blue Business® Plus Credit Card from American Express
Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.
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.
15,000 points
Up to $330
No annual fee
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 27.49%.
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

As a business owner, getting a credit card that maximizes each dollar you spend does not have to be complicated or expensive. Especially when you opt for The Blue Business® Plus Credit Card from American Express.

With the Amex Blue Business Plus card, you’ll earn 2x Membership Rewards points on everyday business purchases throughout the year (up to $50,000; 1x thereafter) and receive purchase protections and no-additional-charge employee cards all for no annual fee (see rates and fees).

The simple and straightforward earning structure makes it a great fit for those looking to earn flexible rewards, without having to fixate on which purchases earn the most points.

Let’s take look at all that the Amex Blue Business Plus card has to offer.

Pros & Cons
Pros
  • 2x Membership Rewards points per $1 on everyday business purchases (up to $50,000; 1x thereafter)
  • Purchase protection and extended warranty protection
  • No annual fee and employee cards at no additional cost
Cons
  • No unique bonus categories and 2x earnings are capped at $50,000 in annual spend
  • No elite travel benefits like lounge access or elite status
Read Full Review
Card Highlights
  • 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% - 27.49%, 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.
Financial Snapshot
  • APR: 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 27.49%.
  • Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.
Rewards Center

American Express Membership Rewards

The Amex Blue Business Plus card is one of the leading business credit cards, and it has no annual fee (rates & fees). Rewards include:

  • 2x Membership Rewards points on everyday business purchases (up to $50,000 per calendar year)

After that, you get 1x points per dollar spent. That means you’d earn 100,000 Amex points when maxing out the 2x points structure. That’s a return on spending of 4.4%!

This card can transfer points to travel partners, access to Amex Offers, and employee cards for no additional annual fee (rates & fees).

Runner-Up: Capital One Spark Miles Select for Business

Capital One Spark Miles Select for Business
Capital One Spark Miles Select for Business
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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 Spark Miles Select for Business is an excellent option for business owners looking for straightforward earning with no blackout dates, no seat restrictions, and no minimum when redeeming your miles. The information regarding this card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Capital One Spark Miles Select for Business
The Capital One Spark Miles Select for Business is an excellent option for business owners looking for straightforward earning with no blackout dates, no seat restrictions, and no minimum when redeeming your miles. The information regarding this card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months from account opening.
50,000 miles
$900
$0
18.49% - 24.49% Variable,
Why We Like This Card

The Capital One Spark Miles Select for Business is an excellent option for business owners looking for straightforward earning with no blackout dates, no seat restrictions, and no minimum when redeeming your miles.

Card Highlights
  • Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months from account opening.
  • Get unlimited 1.5 miles on every purchase with your business credit card with no blackouts or seat restrictions, and no minimum to redeem.
  • Earn 5X miles on hotel and rental car bookings through Capital One Travel.
  • Use your miles on flights, hotels, vacation packages and more—you can even transfer miles to any of our 15+ travel partners.
  • We’ve got you covered with zero fraud liability if your card is lost or stolen. Plus, get automatic fraud alerts via text, email or phone call.
Financial Snapshot
  • APR: 18.49% - 24.49% Variable,
  • Foreign Transaction Fees: 
Rewards Center

Capital One Miles

Our runner-up card is the Capital One Spark Miles Select cardInformation collected independently. Not reviewed by Capital One., which comes with up to 5x Capital One miles earned:

  • 5x miles on hotels and rental cars booked through Capital One’s travel booking site
  • 1.5x miles on all other purchases

Although the rewards are uncapped (in contrast to the $50,000 cap imposed on the Amex Business Platinum card for the 2x rewards), the standard rewards structure of 1.5x miles is lower than the 2x points offered by the Amex Blue Business Plus card.

Earning 1.5x Capital One miles equals a return on spending of 2.7%.

The Capital One Spark Miles Select card comes with zero fraud liability, purchase protection, extended warranty, roadside assistance, no foreign transaction fees, secondary rental car insurance, and employee cards for no additional annual fees.

Best Card for Cash-Back

Jar of coins
Image Credit: micheile dot com via Unsplash

Believe it or not, Amex and Capital One both offer some of the best cash-back rewards in the business despite being known for their travel rewards programs.

Here are our top picks!

Winner: Blue Cash Preferred® Card from American Express

HIGHEST CASH BACK
Blue Cash Preferred® Card from American ExpressTerms Apply / Rates & Fees
Blue Cash Preferred® Card from American Express
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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 great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.

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.

Blue Cash Preferred® Card from American Express
This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.
Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
$250
$0 intro annual fee for the first year, then $95.
20.24%-29.24% Variable,0% on purchases for 12 months
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 Blue Cash Preferred® Card from American Express is a stellar cash-back credit card for those looking to maximize every purchase they make.

With bonus categories like U.S. supermarkets, select U.S. streaming services, U.S. gas stations, and transit purchases, this card rewards you for the items you spend the most on in a big way! For those looking to earn up to 6% cash-back on their purchases, this could be the card for you!

Pros & Cons
Pros
  • 6% cash-back at U.S. supermarkets (up to $6,000 per year)
  • 6% cash-back on select U.S. streaming subscriptions
  • 3% cash-back on U.S. gas stations and transit (including rideshares, parking, etc.)
Cons
    • $0 intro annual fee for the first year, then $95 annual fee (rates and fees)
Read Full Review
Card Highlights
  • Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments with a fixed fee. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low Intro APR: 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 20.24% - 29.24%.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  • $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred® Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
  • 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.
Financial Snapshot
  • APR: 20.24%-29.24% Variable,0% on purchases for 12 months
  • Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.
Rewards Center

Redeem cash-back through your American Express account

For cash-back, it’s a tall order to beat the Amex Blue Cash Preferred card. This is especially true considering the hefty welcome bonus and ability to get up to 6% cash-back:

  • 6% cash-back at U.S. supermarkets (up to $6,000 per year, then 1% thereafter)
  • 6% cash-back on select U.S. streaming services
  • 3% cash-back on U.S. gas stations
  • 3% cash-back on transit (including ride-shares, parking, etc.)
  • 1% cash-back on other purchases

Also, this impressive cash-back credit card has no additional annual fees for authorized users (rates & fees).

Runner-Up: Capital One Savor Cash Rewards Credit Card

Capital One Savor Cash Rewards Credit CardTerms Apply / Rates & Fees
Capital One Savor Cash Rewards Credit Card
Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon
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 Savor card is a great no-annual fee card for those who regularly spend on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart and Target).

Capital One Savor Cash Rewards Credit Card
The Capital One Savor card is a great no-annual fee card for those who regularly spend on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart and Target).
Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.
$200
$0
19.24% - 29.24% (Variable),0% intro on purchases for 15 months
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 Capital One Savor card is a phenomenal option when it comes to no-annual-fee cash-back credit cards. With popular bonus categories like dining, grocery stores (excluding superstores like Walmart and Target), entertainment, and popular streaming services, and the ability to earn 3% cash-back on these purchases, it is easy to see why those who use the card can earn some serious cash-back throughout the year.

The card also allows you to take your rewards and experiences even further by offering access to Capital One Travel, Capital One Dining, and Capital One Entertainment.

Pros & Cons
Pros
  • 8% cash back on Capital One Entertainment purchases
  • 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
  • 3% cash-back on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart and Target)
Cons
    • Rewards are purely cash-back, so there is no option for miles transfers to transfer partners for redemptions
Read Full Review
Card Highlights
  • 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
Financial Snapshot
  • APR: 19.24% - 29.24% (Variable),0% intro on purchases for 15 months
  • Foreign Transaction Fees: None

The Capital One Savor card is the king of cash-back credit cards. It earns up to 8% cash-back and comes with an awesome welcome offer:

  • 8% cash-back on Capital One Entertainment purchases
  • 5% cash-back on hotels and rental cars booked through Capital One Travel
  • 3% cash-back on dining, entertainment, popular streaming services, and grocery stores
  • 1% cash-back on other purchases

Building up cash-back rewards is super easy with this credit card, and you even get purchase protection, extended warranty, no foreign transaction fees, travel accident insurance, and zero fraud liability.

Best No-Annual-Fee Card for Cash-Back

Those who love the idea of maximizing cash-back without paying an annual fee will be impressed by what American Express and Capital One have to offer.

Winner: Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American ExpressTerms Apply / Rates & Fees
Blue Cash Everyday® Card from American Express
Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon
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 cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!

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.

Blue Cash Everyday® Card from American Express
This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
$200
$0
20.24%-29.24% Variable,0% on purchases for 15 months
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 cash-back credit cards, there are dozens of options to choose from. So what sets the Blue Cash Everyday® Card from American Express apart from the rest?

This card is excellent at earning cash-back on your everyday purchases at U.S. supermarkets, U.S. gas stations, and on U.S. online retail purchases. So if you regularly spend money on everyday purchases, this could be the perfect card to add to your wallet.

Pros & Cons
Pros
  • 3% back on purchases at U.S. supermarkets on up to $6,000 in purchases each year, then 1% back after.
  • 3% back on purchases at U.S. gas stations on up to $6,000 in purchases each year, then 1% back after.
  • 3% back on purchases on online retail purchases on up to $6,000 in purchases each year, then 1% back after.
Cons
    • Rewards are not flexible and can only be redeemed for cash-back. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
Read Full Review
Card Highlights
  • 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, 20.24% 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.
  • 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.
Financial Snapshot
  • APR: 20.24%-29.24% Variable,0% on purchases for 15 months
  • Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Our favorite cash-back credit card without an annual fee (rates & fees) is the Amex Blue Cash Everyday card, which has a great welcome bonus and up to 3% cash-back rewards:

  • 3% cash-back at U.S. supermarkets (on up to $6,000 per year, 1% after that)
  • 3% cash-back at U.S. gas stations (on up to $6,000 per year, 1% after that)
  • 3% cash-back at U.S. online retailers (on up to $6,000 per year, 1% after that)
  • 1% cash-back on everything else

The Amex Blue Cash Everyday card also offers statement credits upon enrollment:

  • $7 back monthly as a statement credit after using your enrolled Amex Blue Cash Everyday card to spend $9.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Valid only at DisneyPlus.com, Hulu.com, or Plus.espn.com in the U.S.
  • Earn up to $15 back monthly, an annual savings of up to $180, when you order online at Home Chef

Lastly, the Amex Blue Cash Everyday card lets you add authorized users with no additional annual fees (rates & fees).

Runner-Up: Capital One Quicksilver Cash Rewards Credit Card

Capital One Quicksilver Cash Rewards Credit CardTerms Apply / Rates & Fees
Capital One Quicksilver Cash Rewards Credit Card
Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon
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 flexible, no-frills card that earns 1.5% cash-back on all purchases. Redeem rewards for any amount anytime you choose with no annual fee.

Capital One Quicksilver Cash Rewards Credit Card
A flexible, no-frills card that earns 1.5% cash-back on all purchases. Redeem rewards for any amount anytime you choose with no annual fee.
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.
$200
$0
19.24% - 29.24% (Variable),0% intro on purchases for 15 months
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

Low maintenance, that’s your motto. When it comes to your credit cards, you don’t have the time or inclination to figure out which spending categories earn you the most cash-back.

A card that earns 1.5% cash-back for everything is more your speed.

That’s why you should consider the Capital One Quicksilver Cash Rewards Credit Card. You’ll never waste your time with changing categories, and there’s no limit to the cash-back you can earn.

Pros & Cons
Pros
Cons
  • Doesn’t offer bonus categories for those looking to maximize certain purchases
  • Doesn’t earn transferable rewards
Read Full Review
Card Highlights
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • $0 annual fee and no foreign transaction fees
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; balance transfer fee applies
Financial Snapshot
  • APR: 19.24% - 29.24% (Variable),0% intro on purchases for 15 months
  • Foreign Transaction Fees: None
Rewards Center

This card’s rewards will accrue on the card and be available under capitalone.com.

The $0-annual-fee Capital One Quicksilver card offers unlimited 1.5% cash-back on every purchase, every day, and a decent welcome offer (rates & fees).

Currently, the Capital One Quicksilver card has a decent welcome offer, which also includes a 0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; balance transfer fee applies (rates & fees).

Of course, this card has no foreign transaction fees (rates & fees), extended warranty coverage, and zero liability fraud protection.

Best Business Card for Cash-Back

The very last category in this guide is cash-back business credit cards. And it’s definitely one worth discussing, so here are the best options!

Winner: Capital One Spark Cash Plus Card

Capital One Spark Cash Plus Card
Capital One Spark Cash Plus Card
Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon
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 Spark Cash Plus card offers an unlimited 2% cash-back on all purchases and helpful features for business owners. The information regarding this card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Capital One Spark Cash Plus Card
The Capital One Spark Cash Plus card offers an unlimited 2% cash-back on all purchases and helpful features for business owners. The information regarding this card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
$2,000 cash back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year.
Up to $4,000+
$150
N/A
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 (740-850)
Why We Like This Card

The Capital One Spark Cash Plus Card is great for business owners looking to improve their bottom line by earning 2% cash-back on all purchases without a high annual fee. Further, with no preset spending limit, the ability to get your $150 annual fee refunded every year you spend at least $150,000, and no-additional-fee employee cards, there is something that every business owner will love.

Pros & Cons
Pros
Cons
    • $150 annual fee
Read Full Review
Card Highlights
  • 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’s travel booking site
  • 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
Financial Snapshot
  • APR: N/A
  • Foreign Transaction Fees: None

The Capital One Spark Cash Plus cardInformation collected independently. Not reviewed by Capital One. is one of the most popular business cards in the world and happens to be one of Capital One’s few charge cards.

It has a substantial welcome bonus and the ability to earn up to 5% cash-back:

  • 5% cash-back on hotels and rental cars booked via Capital One’s travel booking site
  • 2% cash-back on all other purchases

What’s awesome about this card is that it has no preset spending limit, which makes it work more like a charge card than a traditional credit card.

There’s huge potential to get 2% cash-back on all your business purchases, and you can even get your $150 annual fee refunded every year you spend at least $150,000.

Of course, the standard perks apply, such as zero fraud liability, purchase protection, no foreign transaction fees, roadside assistance, extended warranty coverage, and employee cards for no additional annual fee.

Runner-Up: The Plum Card® from American Express

The Plum Card® from American ExpressTerms Apply / Rates & Fees
The Plum Card® from American Express
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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.

Instead of normal cash-back, earn an unlimited 1.5% early pay discount on eligible charges paid within 10 days of your statement closing date. You'll see the discount applied to your next statement when you pay at the least the Minimum Payment Due by the Payment Due Date.

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 Plum Card® from American Express
Instead of normal cash-back, earn an unlimited 1.5% early pay discount on eligible charges paid within 10 days of your statement closing date. You'll see the discount applied to your next statement when you pay at the least the Minimum Payment Due by the Payment Due Date.
No welcome offer
No welcome offer
$0
$250
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

Cash flow can be unpredictable. Sometimes, you can pay bills right away, and other times, it may be easier to wait. Either way works out in your favor with The Plum Card® from American Express!

With this card, you can pay your bill early and earn an unlimited 1.5% early pay discount on eligible charges paid within 10 days of your statement closing date. Or, you can take up to 60 days to pay without interest when you pay your Minimum Payment Due by the Payment Due Date.

For those who run seasonal businesses or whose incoming cash flow is unpredictable, the card can provide you with payment alternatives that most other cards don’t.

Pros & Cons
Pros
  • Earn 1.5% cash-back on your purchases, or receive 60 days to pay back your purchases with no interest
  • No foreign transaction fees or employee card fees (rates & fees)
  • Rental car insurance
Cons
  • Charges an annual fee
  • Limited benefits
Read Full Review
Card Highlights
  • Paying early pays off: earn an unlimited 1.5% Early Pay Discount on eligible charges paid within 10 days of your statement closing date and see the discount applied to your next statement when you pay at the least the Minimum Payment Due by the Payment Due Date.
  • Take up to 60 days to pay with no interest‡, when you pay your minimum due by the Payment Due Date.
  • No Foreign Transaction Fees.‡
  • Terms Apply. Learn More.
Financial Snapshot
  • Foreign Transaction Fees: None
Rewards Center

There isn’t a rewards center for this card; the cash-back earned is applied directly to your next statement when you pay at the least the Minimum Payment Due by the Payment Due Date.

Our runner-up card is one of the most under-the-radar choices available: the Amex Plum card. But don’t sleep on it, because it could be one of the most useful cards in your wallet.

Sure, there’s no welcome bonus offer, but you’ll earn an unlimited 1.5% Early Pay Discount on eligible charges paid within 10 days of your statement closing date and see the discount applied to your next statement when you pay at the least the Minimum Payment Due on time, referred to as the Payment Due Date.

Plus, the Amex Plum card gives you up to 60 days to pay without interest (only the minimum payment is due by your Payment Due Date).

It has no foreign transaction fees (rates & fees), access to Amex Offers, and employee cards for no additional annual fee (rates & fees), and more.

Final Thoughts

Working from the list of credit cards and charge cards above, you can max out your rewards and benefits with a selection of different options.

Which card is best for you ultimately depends on whether you’re looking for top-shelf rewards, luxury travel benefits, cash-back rewards, low or no annual fees, or specific niche perks.

At the end of the day, both Amex and Capital One bring a lot of value to the table, so the choice is yours!

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.

Featured Image Credit: Upgraded Points

Frequently Asked Questions

Is American Express better than Capital One?

There’s no right or wrong answer here. In general, Amex cards are better than Capital One. However, for certain niche consumers or business owners, Capital One may have a better credit card offering than Amex.

Is the Amex Platinum card the best card?

For luxury travel benefits, it’s very difficult to beat the Amex Platinum card. That’s because Amex has invested a ton of planning and research into developing a thoughtful list of perks that travelers find valuable.

But if you’re looking for simple cash-back rewards without an annual fee, it’s likely not the best card for you.

Which is better, the Capital One Venture X card or Amex Platinum card?

We think the Amex Platinum card outperforms the Capital One Venture X card. Although the Capital One Venture X card offers specific perks such as access to Capital One Lounges and a 10,000-mile anniversary bonus every cardmember year, the Amex Platinum card offers a whole new universe of benefits, ranging from the best airport lounge access to hotel elite status, and more. Check out our detailed comparison: Capital One Venture X card vs. Amex Platinum card.

What is better, the Capital One Venture X card or the Amex Gold card?

The Capital One Venture X card and Amex Gold card are fundamentally different products that are difficult to compare.

The Amex Gold card focuses more on rewards for everyday spending, such as dining and U.S. supermarkets, while the Capital One Venture X card offers travel benefits and appeals more to the spender who doesn’t want to worry about bonus categories.

They’re both great!

See how these cards compare head-to-head in our article: Capital One Venture X Card vs. Amex Gold Card [Detailed Comparison].

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About Stephen Au

Stephen is an established voice in the credit card space, with over 70 to his name. His work has been in publications like The Washington Post, and his Au Points and Awards Consulting Services is used by hundreds of clients.

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