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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
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 that participate in Membership Rewards, and Capital One has different cards that earn Capital One miles.
Each card has different accrual structures, benefits, and conditions for participation.
Eligible airfare booked via Amex Travel using Pay With Points (which qualifies for an airline bonus of up to 35%)
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
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 1 cent per mile of value.
Transfer Partnerships
The way to get immense value from your points is to transfer rewards to airline and hotel partners.
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 unique 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. That’s because 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.
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 a transfer partnership with Turkish Airlines Miles&Smiles and Wyndham Rewards that could potentially be lucrative for certain travelers.
Best Overall Travel Rewards Card
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 mid-tier card to help you amass rewards as quickly as possible, Amex and Capital One both offer great options.
The rating for this card has been determined by our own industry experts who know the in's and out's 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 go-to card for food lovers who dine out at restaurants and those who want big rewards at U.S. supermarkets!
With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points atU.S. supermarkets on up to $25,000 per calendar year in purchases, then 1x.
There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are a number of other benefits of the Gold Card as well, including extra monthly dining rewards and more.
Pros
4x points per $1 at restaurants, plus takeout and delivery in the U.S.
4x points per $1 at U.S. supermarkets, up to $25,000 per calendar year in purchases; and 1x thereafter
3x points per $1 on flights purchased directly from airlines or at Amex Travel
Up to $120 annual dining credit: up to $10 monthly statement credit when you pay with the Amex Gold card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations
Up to $120 in annual Uber Cash: get $10 monthly in Uber Cash for Uber Eats orders or Uber rides in the U.S. when you add your Gold Card to your Uber account
Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
$120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
$120 Dining Credit: Satisfy your cravings and 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, Milk Bar and select Shake Shack locations. Enrollment required.
Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
Choose the color that suits your style. Gold or Rose Gold.
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, 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 $240 in statement credits every year:
Up to $120 per year in dining statement credits at participating restaurants, including Grubhub, The Cheesecake Factory, Goldbelly, Milk Bar, select Shake Shack locations, and Wine.com (enrollment required)
Up to $120 per year in Uber Cash to use for U.S. Uber rides or Uber Eats orders
The rating for this card has been determined by our own industry experts who know the in's and out's 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!
As a frequent traveler with excellent credit, you’re always on the lookout for a credit card that comes with all the bells and whistles. And the easier it is to understand, the better!
The Capital One Venture Rewards Credit Cardis one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great sign-up bonus, high rewards rates, and flexible redemption options.
Pros
5x miles per $1 on hotels and rental cars booked through Capital One Travel
2x miles per $1 on all other purchases
2 complimentary visits to a Capital One Lounge or Plaza Premium Lounges each year
Global Entry or TSA PreCheck credit
No foreign transaction fees
Access to Capital One transfer partners
Cons
$95 annual fee
Limited elite benefits
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
Earn unlimited 2X miles on every purchase, every day
Earn 5X miles on hotels 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 $100 credit for Global Entry or TSA PreCheck®
Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through the Partner Lounge Network
Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Enrich every hotel stay from our Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
Transfer your miles to your choice of 15+ travel loyalty programs
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 and rental cars booked through Capital One Travel
The Capital One Venture card also comes with travel & emergency assistance services, no foreign transaction fees, no-additional-fee authorized users, and access to Capital One Miles.
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. In this guide, we’ll show you our 2 favorite overall business cards between Amex and Capital One.
The rating for this card has been determined by our own industry experts who know the in's and out's 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).
Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).
Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership
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.
No elite travel benefits like airport lounge access or elite status
Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases.**
**4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
PAY OVER TIME OPTION: Decide whether you want to pay eligible purchases in full each month—or pay over time with interest.*
In this category, our favorite card product is the Amex Business Gold card, which offers some amazing rewards on 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):
Airfare purchased from airlines
U.S. purchases for advertising in select media
U.S. purchases made from select technology providers of computer hardware, software, and cloud solutions
U.S. purchases at gas stations
U.S. purchases at restaurants
U.S. purchases for shipping
Even better, your rewards are automatically adjusted every billing statement, which means you don’t need to worry about selecting bonus categories. If these bonus categories are maxed out every year, you’ll 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, no foreign transaction fees, and no additional annual fees for employee cards after the first employee card fee of $50 (rates and fees).
The rating for this card has been determined by our own industry experts who know the in's and out's 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 $1 you spend. (Information collected independently. Not reviewed by Capital One.)
The Capital One Spark Miles card is a low-annual-fee business card that earns 2x transferable miles on every $1 you spend. (Information collected independently. Not reviewed by Capital One.)
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.
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
Unlimited 2x miles per $1 spent on all purchases
5x miles per $1 spent on hotel and rental cars purchased through Capital One Travel
2 complimentary visits to a Capital One Lounge per year
Up to a $100 Global Entry or TSA PreCheck credit
Access to Capital One transfer partners
No foreign transaction fees
Free employee cards
Extended warranty coverage
Cons
Annual fee: $0 intro for the first year, $95 after that
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account
Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
Transfer your miles to 15+ travel loyalty programs
Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
Fly through security with one statement credit for either the $85 TSA PreCheck® application fee or the $100 Global Entry application fee
$0 intro annual fee for the first year; $95 after that
Free employee cards which also earn unlimited 2X miles from their purchases
<ul><li><a href="/credit-cards/business/best-capital-one-business-credit-cards/" data-wpel-link="internal">Best Capital One Business Credit Cards</a></li><li><a href="/credit-cards/best-ways-to-redeem-capital-one-miles/" data-wpel-link="internal">Best Ways To Redeem Capital One Miles</a></li><li><a href="/credit-cards/capital-one-miles-program-review/" data-wpel-link="internal">Capital One Miles Program Review</a></li><li><a href="/credit-cards/capital-one-transfer-partners/" data-wpel-link="internal">Capital One Transfer Partners</a></li><li><a href="/credit-cards/capital-one-miles-faqs/" data-wpel-link="internal">How Much Are Capital One Miles Worth?</a></li><li><a href="/credit-cards/business/best-business-cards-with-high-limits/">Best High Limit Business Credit Cards</a></li></ul><p> </p>
The Capital One Spark Miles card is our runner-up business card, but this credit card has a totally different ideal cardholder than the Amex Business Gold card.
The card has the ability to earn up to5x Capital One miles:
5x miles on hotels and rental cars booked through Capital One Travel
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 has. Instead, it appeals to business owners who would rather earn fewer bonus rewards without having to worry about bonus categories.
For benefits, the card offers a Global Entry or TSA PreCheck application fee credit of up to $100, 2 free visits to Capital One Lounges or Plaza Premium Lounges per year, zero fraud liability, purchase protection, extended warranty, no foreign transaction fees, and employee cards for no additional annual fee.
Best Premium Travel Rewards Card
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 in this section, we’ll show you which cards we love for this consumer segment.
The rating for this card has been determined by our own industry experts who know the in's and out's 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 undoubtedly the #1 card for luxury travel benefits. From the best lounge access (of any card) to statement credits, to complimentary elite status, you can’t go wrong.
This card is undoubtedly the #1 card for luxury travel benefits. From the best lounge access (of any card) to statement credits, to complimentary elite status, you can’t go wrong.
Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on the Card in your first 6 months of Card Membership.
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
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, Plaza Premium Lounges, and many more!
5x points per $1 spent on flights purchased directly with the airline or with American Express Travel (up to $500,000 per year)
5x points per $1 spent on prepaid hotels booked with American Express Travel
Annual and monthly statement credits upon enrollment (airline credit, Uber Cash credit, Saks Fifth Avenue credit, streaming credit, prepaid hotel credit on eligible stays, Walmart+ credit, CLEAR credit, and Equinox credit)
TSA PreCheck or Global Entry credit
Access to American Express Fine Hotels and Resorts
Airline credit does not cover airfare (only incidentals like checked bags)
Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
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 with American Express Travel when you pay with 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, SiriusXM, and The Wall Street Journal. Enrollment required.
$155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
$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: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
$300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
$189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
$100 Global Entry Credit: Receive either a $100 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.
$300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. 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.
The Amex Platinum card is, without a doubt, the undisputed winner in the premium travel rewards card sector. You can get up to5x 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 the main reason why we love this card is 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:
Even better, you’ll enjoy a Global Entry or TSA PreCheck application fee credit and a series of statement credits that could pay for the annual fee every year:
The rating for this card has been determined by our own industry experts who know the in's and out's 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.
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
10x miles per $1 on hotels and rental cars purchased through Capital One Travel
5x miles per $1 on flights purchased through Capital One Travel
2x miles per $1 on all other purchases
$300 annual travel credit on bookings made through Capital One Travel
Unlimited complimentary access for cardholder and 2 guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
10,000 bonus miles awarded on your account anniversary each year
Global Entry/TSA PreCheck credit
Add authorized users for no additional annual fee
No foreign transaction fees
Cons
$395 annual fee
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
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 booked through Capital One Travel
Earn unlimited 2X miles on all other purchases
Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more – you can even transfer your miles to your choice of 15+ travel loyalty programs
Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
Receive up to a $100 credit for Global Entry or TSA PreCheck®
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 booked through Capital One Travel
2x miles on all other purchases
Additionally, you’ll get a Capital One Travel credit of $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, Priority Pass Lounges, and Plaza Premium 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, up to 4 authorized users for no additional annual fee, 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 currently have a premium credit card offering for travel rewards. However, we are absolutely obsessed with Amex’s card offering in this space.
Winner: The Business Platinum Card® from American Express
The rating for this card has been determined by our own industry experts who know the in's and out's 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!
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.
5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
Up to $200 annual airline fee credit on your selected qualifying airline
Statement credits on select purchases with your card
35% airline bonus when using Pay With Points (up to 1,000,000 bonus points per calendar year)
Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
Global Entry or TSA PreCheck application fee credit
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 (cap applies)
Airline fee credit does not cover airfare, only incidentals like checked bags
Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
$200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
$189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
The Amex Business Platinum card shares a lot of 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.
Another difference is in the annual statement credits:
A Global Entry or TSA PreCheck application fee credits
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.
As usual, you’ll also get travel insurance and no foreign transaction fees (rates and fees).
Best No-Annual-Fee 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 and Amex both offer great products!
Winner: Capital One VentureOne Rewards Credit Card
The rating for this card has been determined by our own industry experts who know the in's and out's 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.
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, the no-annual-fee version of the more popular Capital One Venture 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
No annual fee
No foreign transaction fees
Ability to use transfer partners
Access to Capital One Dining
Cons
Weak earn rate at 1.25x miles per $1 spent on all purchases
No luxury travel or elite benefits
$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; 19.99% - 29.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months
Financial Snapshot
APR: 19.99% - 29.99% (Variable),0% intro on purchases for 15 months
The Capital One VentureOne card is the entry-level credit card in the Venture family. It has no annual fee, 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, no foreign transaction fees, and authorized user cards for no additional annual fee.
The rating for this card has been determined by our own industry experts who know the in's and out's 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 2x points at U.S. supermarkets on the first $6,000 spent in a year, and after 20+ purchases in a billing period, receive a 20% bonus on all points earned!
Earn 2x points at U.S. supermarkets on the first $6,000 spent in a year, and after 20+ purchases in a billing period, receive a 20% bonus on all points earned!
Earn 10,000 Membership Rewards points after you use your new Card to make $2,000 in purchases in your first 6 months.
10,000 points
$0
0% on purchases for 15 months; 13.74%-24.74% Variable thereafter
The information for The Amex EveryDay® Credit Card has been independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The Amex EveryDay® Credit Card is a great option for those looking to start earning Amex Membership Rewards points without needing to pay an annual fee. Plus, the card rewards you the more often you use it by giving you a 20% bonus when you use your card 20 or more times on purchases in a billing period.
Pros
2x points per $1 at U.S. supermarkets on up to $6,000 per year in purchases, then 1x
2x points per $1 on travel purchases made through Amex Travel
1x point per $1 on all other purchases
20% bonus points when you make 20 purchases on your card in 1 billing period
No annual fee
Access to Amex transfer partners
Rental car insurance
Cons
Only offers 2 bonus categories
Doesn’t offer many benefits
Earn 10,000 Membership Rewards points after you use your new Card to make $2,000 in purchases in your first 6 months.
Low intro APR: 0% on purchases for 15 months from the date of account opening, then a variable rate, 13.74% to 24.74%.
Earn 2X points at U.S. supermarkets on up to $6,000 per year in purchases (then 1X).
1X points on other purchases.
Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits. Terms apply.
Use Amex Offers at places you like to shop, dine, travel, and more. You can add as many Offers as you’d like to your Card, then just use that Card to pay, and enjoy rewards directly on your statement.
No Annual Fee.
Terms Apply.
Financial Snapshot
APR: 0% on purchases for 15 months; 13.74%-24.74% Variable thereafter
Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.
The rating for this card has been determined by our own industry experts who know the in's and out's 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.
Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.
N/A
N/A
$0
$0
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APRs will not exceed 29.99%
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
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
Charges foreign transaction fees
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% – 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
Earn 2X Membership Rewards® 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.
You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
*The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
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, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APRs will not exceed 29.99%
Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.
The Amex Blue Business Plus card is one of the leading business credit cards with no annual fee. You’ll enjoy industry-leading rewards:
2x Membership Rewards points on everyday business purchases (up to $50,000 per calendar year)
After that, you’ll get 1x points per dollar spent. That means you’ll earn 100,000 Amex points when maxing out the 2x points structure. That’s a return on spending of 4.4%!
This card comes with the ability to transfer points to travel partners, employee cards for no additional annual fee, and access to Amex Offers (rates and fees).
Runner-up: Capital One Spark Miles Select for Business
The rating for this card has been determined by our own industry experts who know the in's and out's 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.
(Information collected independently. Not reviewed by Capital One.)
(Information collected independently. Not reviewed by Capital One.)
$0
0% Intro APR for the first 9 months after account opening,Ongoing APR: 18.24% - 28.24% Variable
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.
Earn a one-time bonus of 20,000 miles once you spend $3,000 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.
0% intro APR for 9 months; 18.24% – 28.24% variable APR after that.
Financial Snapshot
APR: 0% Intro APR for the first 9 months after account opening,Ongoing APR: 18.24% - 28.24% Variable
5x miles on hotels and rental cars booked through Capital One Travel
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 is equivalent to 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
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
The rating for this card has been determined by our own industry experts who know the in's and out's 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.
With bonus categories like U.S. supermarkets, select 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
6% cash-back at U.S. supermarkets (up to $6,000 per year) and on select streaming services
6% cash-back on select U.S. streaming subscriptions
3% cash-back on U.S. gas stations and transit (including rideshares, parking, etc.)
1% cash-back on all other purchases
Cons
$0 intro annual fee for the first year, then $95 annual fee (rates and fees)
Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
$0 intro annual fee for the first year, then $95.
Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
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
Get up to $120 in statement credits annually when you pay for an Equinox+ membership at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
Thinking about getting The Disney Bundle which includes Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $12.99 or more each month on an eligible subscription with your Blue Cash Preferred Card. Enrollment required.
Terms Apply.
Financial Snapshot
APR: 19.24%-29.99% Variable,0% on purchases for 12 months
Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.
For cash-back, it’s a tall order to beat the Amex Blue Cash Preferred card. This is especially true considering the large 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 1x thereafter)
3% cash-back on transit (including rideshares, parking, etc.)
1% cash-back on other purchases
Also, this impressive cash-back credit card gets you up to $120 in Equinox+ credits every year, no foreign transaction fees, and no additional annual fees for authorized users (rates and fees).
Runner-up: Capital One Savor Cash Rewards Credit Card
The rating for this card has been determined by our own industry experts who know the in's and out's 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.
An excellent cash-back card that offers rewards for categories like dining, entertainment, popular streaming services, and grocery stores. (Information collected independently. Not reviewed by Capital One.)
An excellent cash-back card that offers rewards for categories like dining, entertainment, popular streaming services, and grocery stores. (Information collected independently. Not reviewed by Capital One.)
Earn a one-time $300 cash bonus after you spend $3,000 on purchases within the first 3 months from account opening.
When it comes to rewards credit cards, you can break up most savvy consumers into 2 camps: those who prefer travel rewards and those who prefer cash-back.
Both options can be very lucrative to you and your wallet, especially if you’re using the right card. For those who fall in the “cash is king” camp, you’ll likely find the Capital One Savor card quite compelling.
Pros
10% cash-back on Uber and Uber Eats
8% cash-back on Capital One Entertainment
5% cash-back on hotels and rental cars booked through Capital One Travel
4% cash-back on dining, entertainment, and popular streaming services
3% cash-back at grocery stores
1% cash-back on all other purchases
Complimentary Uber One membership through November 14, 2024
This is strictly a cash-back card, so it features no travel rewards like other cards offer
Earn a one-time $300 cash bonus after you spend $3,000 on purchases within the first 3 months from account opening
Earn unlimited 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores and 1% on all other purchases.
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
Earn 8% cash back on Capital One Entertainment.
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.
The oh-so-famous 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
4% cash-back on dining, entertainment, and popular streaming services
3% cash-back at grocery stores
1% cash-back on other purchases
Building up cash-back rewards is super easy with this credit card, and you’ll even get purchase protection, extended warranty, no foreign transaction fees, travel accident insurance, zero fraud liability, and fee-free authorized users.
Best No Annual Fee Card for Cash-back
For those who love the idea of maximizing cash-back without paying an annual fee, you’ll be impressed by what American Express and Capital One have to offer.
The aforementioned cards are the category leaders for cash-back, but they both have annual fees. Here are the best cash-back cards with no annual fee.
Winner: Blue Cash Everyday® Card from American Express
The rating for this card has been determined by our own industry experts who know the in's and out's 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!
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
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.
Monthly credit towards The Disney Bundle
Monthly credit towards Home Chef
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.
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
No Annual Fee.
Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% 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 in purchases, then 1%.
Get $7 back each month after using your Blue Cash Everyday Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
Terms Apply.
Financial Snapshot
APR: 0% intro APR on purchases for 15 months; then 19.24%-29.99% Variable
Foreign Transaction Fees: 2.7% of each transaction after conversion to U.S. dollars
Our favorite cash-back credit card without an annual fee 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:
Up to $7 back monthly after using your Amex Blue Cash Everyday card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+
Earn up to $15 back monthly – an annual savings of up to $180 – when you order online at Home Chef
Lastly, you’ll find fee-free authorized users with the Amex Blue Cash Everyday card (rates and fees).
Runner-up: Capital One SavorOne Rewards Credit Card
The rating for this card has been determined by our own industry experts who know the in's and out's 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 SavorOne 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®).
The Capital One SavorOne 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 after you spend $500 on purchases within the first 3 months from account opening.
$200
$0
19.99% - 29.99% (Variable),0% intro on purchases for 15 months
The Capital One SavorOne 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 offers the ability to take your rewards and experiences even further by offering access to Capital One Travel, Capital One Dining, and Capital One Entertainment.
Pros
10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
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 at grocery stores (excluding superstores like Walmart® and Target®)
1% cash-back on all other purchases
No annual fee
No foreign transaction fees
Access to Capital One Dining, Capital One Travel, and Capital One Entertainment
Cons
Rewards are purely cash-back, so there is no access to outsized travel rewards redemptions
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
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; 19.99% - 29.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months
No foreign transaction fee
No annual fee
Financial Snapshot
APR: 19.99% - 29.99% (Variable),0% intro on purchases for 15 months
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The no annual fee version of the Capital One Savor card is the Capital One SavorOne card, which offers:
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 (excluding superstores like Walmart® and Target®)
1% cash-back on all other purchases
Currently, the Capital One SavorOne card has a welcome bonus, which also includes a 0% introductory APR promotion on purchases and balance transfers.
Of course, this card has no foreign transaction fees, extended warranty coverage, zero liability fraud protection, and authorized users for no additional annual fees.
Best Business Card for Cash-back
The very last category in this guide is the cash-back business credit cards. And it’s definitely one worth discussing, so without further ado, here are the best options!
The rating for this card has been determined by our own industry experts who know the in's and out's 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. (Information collected independently. Not reviewed by Capital One.)
The Capital One Spark Cash Plus card offers an unlimited 2% cash-back on all purchases and helpful features for business owners. (Information collected independently. Not reviewed by Capital One.)
Earn a one-time cash bonus of $1,200 once you spend $30,000 in the first 3 months.
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 free employee cards, there is something that every business owner will love.
Pros
Unlimited 2% cash-back on all purchases
5% cash-back on hotels and rental cars purchased through Capital One Travel
No preset spending limit
Get your $150 annual fee refunded every year you spend at least $150,000
Complimentary employee cards
No foreign transaction fees
Extended warranty coverage
Payment flexibility (pick your own due date)
Cons
$150 annual fee
Earn a one-time cash bonus of $1,200 once you spend $30,000 in the first 3 months
Earn unlimited 2% cash back on every purchase, everywhere – with no limits or category restrictions
Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
Get your $150 annual fee refunded every year you spend at least $150,000 or more
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
Add employee cards for free, and earn unlimited 2% cash back from their purchases
$150 annual fee
Spark Cash Plus has no APR because your balance is due in full every month
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The Capital One Spark Cash Plus card is one of the most popular business cards in the world, and it 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 Travel
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.
The rating for this card has been determined by our own industry experts who know the in's and out's 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, get an unlimited 1.5% discount when you pay early for eligible days within 10 days of your statement closing date. The discount will be applied to your next statement when you pay at the least the Minimum Payment Due by the Please Pay By date.
Instead of normal cash-back, get an unlimited 1.5% discount when you pay early for eligible days within 10 days of your statement closing date. The discount will be applied to your next statement when you pay at the least the Minimum Payment Due by the Please Pay By date.
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 get an unlimited 1.5% Early Pay Discount on eligible charges 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 please pay by date. Alternatively, you can take up to 60 days to pay with no interest, when you pay your minimum 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.
Paying early pays off: get an unlimited 1.5% Early Pay Discount on eligible charges 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 Please Pay By date.
Take up to 60 days to pay with no interest‡, when you pay your minimum due by the Payment Due Date.
Use the power of the Plum Card to buy big for your business.
There is no special rewards center for this card; the cash-back earned will be applied directly to your next statement when you pay at the least the Minimum Payment Due by the Please Pay By date.
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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 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 Please Pay By date.
Plus, the Amex Plum card lets you have 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 and fees), access to Amex Offers (enrollment required), and employee cards for no additional annual fee (rates and fees), and more.
Final Thoughts
From the list of credit cards and charge cards above, you’ll probably have the opportunity to max out your rewards and benefits with a selection of different options.
Which card is best for you will ultimately depend 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 above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
Enrollment required through Capital One website or mobile app. Upon enrollment, eligible cardholders will remain at upgraded status level through December 31, 2024. 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.
The information regarding the Capital One Venture X Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Capital One Spark Miles Select for Business was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Capital One Savor Cash Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Capital One SavorOne Card Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information for The Amex EveryDay® Credit Card has been independently collected by Upgraded Points and not provided nor reviewed by the issuer.
For rates and fees of the American Express® Gold Card, click here. For rates and fees of the American Express® Business Gold Card, click here. For rates and fees of The Platinum Card® from American Express, click here. For rates and fees of The Business Platinum Card® from American Express, click here. For rates and fees of The Blue Business® Plus Credit Card from American Express, click here. For rates and fees of the Blue Cash Preferred® Card from American Express, click here. For rates and fees of the Blue Cash Everyday® from American Express, click here. For rates and fees of The Plum Card® from American Express, click here.
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Frequently Asked Questions
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.
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 not the best card for you.
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 just 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.
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.
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.
Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.
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This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.
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