The 8 Best Credit Cards for Health Care Expenses [Medical and Dental]

Medical expenses and dental work are niche spending categories — most of us have health insurance that covers a solid portion of procedures and checkups.

But if you are making purchases that aren’t quite covered, what’s the best credit card to use?

There’s no one-size-fits-all answer to this unique question, but this guide is dedicated to getting you closer to narrowing down the best card for your health care expenses!

What To Look for in a Credit Card for Health Care Expenses

Whether you have regular medical or dental expenses or rarer, high-ticket expenses like surgery, optimizing your purchases could add up to major savings over time.

Indeed, there aren’t any credit cards that specifically call out medical or dental expenses as a bonus category, so the best thing to do in this situation is to find a fantastic credit card for everyday purchases. You wouldn’t need to follow any bonus categories, and you could boost the rewards you earn on your daily transactions.

Here are our favorite personal credit cards for medical and dental expenses.

Best Personal Cards

Card Summary

Capital One Venture Rewards Credit Card

Terms Apply / Rates & Fees

Capital One Venture Rewards Credit Card

U.P. Rating 

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

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!

Welcome Offer

Earn 75,000 miles once you spend $4,000 on purchases within the first 3 months from account opening, equal to $750 in travel.

75,000 miles

UP's Offer Valuation*:

$1,350

Annual Fee

$95

APR

Purchases: 19.99% - 28.99% (Variable)

Credit Recommended

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

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

• $95 annual fee
• Limited elite benefits

Read Full Review

Card Highlights

• Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
• Earn unlimited 2X miles on every purchase, every day
• Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
• 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: Purchases: 19.99% - 28.99% (Variable)
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

Thanks to a streamlined rewards structure, the Capital One Venture card is one of our favorite credit cards. On all eligible purchases, you earn an unlimited 2x Capital One miles with no caps.

You can also enjoy solid travel benefits, including secondary car rental insurance through MasterRental Insurance*, lost or damaged luggage reimbursement*, travel assistance services*, and roadside dispatch services through Master RoadAssist*. Plus, you can take advantage of purchase assurance*, extended warranty*, zero fraud liability on unauthorized charges, and no foreign transaction fees.

Why We Like Capital One Miles

Capital One miles are one of the major types of transferable points, which means you can redeem them in various ways. Our favorite method is to leverage transfer partners to book luxury travel, but you can also use Capital One miles for travel-related purchases, gift cards, and more.

When you transfer your miles to airlines and hotels, for almost all of Capital One’s travel loyalty program partners, you will get a 1:1 transfer ratio. We value Capital One miles at 1.8 cents each, making your medical expenses and dental work purchases worth a 3.6% return on spending.

* Benefit available to accounts approved for the World Elite Mastercard product, subject to terms, conditions, and exclusions in the World Elite Mastercard Guide to Benefits. See Account Terms or Application Terms for more details. Terms, conditions, and exclusions apply.

Citi Double Cash^® Card

Citi Double Cash^® Card

U.P. Rating 

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

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!

Citi Double Cash^® Card

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!

Welcome Offer

Earn $200 cash-back after spending $1,500 on purchases in the first 6 months of account opening.

$200 cash-back

Annual Fee

$0

APR

17.74% to 27.74% Variable

Credit Recommended

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

Fair to Excellent (580-850)

Why We Like This Card

The Citi Double Cash^® Card has long been one of the top cash-back credit cards on the market, and the card now has the ability to earn Citi ThankYou Points!

This means that cardholders of the Double Cash card will now earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Cash back is earned in the form of ThankYou Points. This means each billing cycle, you will earn 1 ThankYou point per $1 spent on purchases and an additional ThankYou point for every $1 paid on your purchase balance as long as there is a corresponding balance in your Purchase Tracker.

Citi has turned the Double Cash card into a top choice for those who are looking for an everyday, no-fuss credit card.

Pros & Cons

Pros

• Uncapped 2% for every $1 spent (1% when you buy and another 1% when you pay)
• Flexible redemption options
• No annual fee

Cons

• No bonus categories
• 3% foreign transaction fees

Read Full Review

Card Highlights

• Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This offer will be fulfilled as 20,000 ThankYou^® Points, which can be redeemed for $200 cash back.
• Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
• Earn a total of 5 ThankYou^® Points per $1 spent on hotel, car rental, and attractions, excluding air travel, when booked through the Citi Travel^® portal.
• To earn cash back, pay at least the minimum due on time.
• Balance Transfer Only Offer: 0% Intro APR for 18 months on balance transfers; after that, the variable APR will be 17.74% to 27.74%, based on your creditworthiness. Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
• If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
• There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Financial Snapshot

• APR: 17.74% to 27.74% Variable
• Foreign Transaction Fees: 3% of the U.S. dollar amount of each purchase

Rewards Center

Citi ThankYou Rewards

It’s no secret that we’re a fan of the Citi Double Cash card offered by Citibank. In our opinion, the Citi Double Cash card is the single most rewarding credit card for spending outside of bonus categories with no caps.

The Citi Double Cash card earns you 2% cash-back (1% at the time of purchase and another 1% when you pay your bill, earned as ThankYou Points). There are no caps to how many rewards you can earn.

You can use these points for cash-back, travel through the Citi travel portal, or transfer them to any of Citi’s hotel and airline partners.

However, if you also have a premium credit card like the Citi Strata Premier℠ Card, you can access all of Citi’s transfer partners with a better transfer ratio than you would receive with just the Citi Double Cash card, and you nearly double your return on spending, since ThankYou Points are worth 1.6 cents each.

That means your 2% cash-back transforms into a 3.2% return on your spending!

The card’s benefits also include an introductory APR benefit, flexible pay dates, fraud protection, zero liability for unauthorized purchases, and access to Citi Entertainment for event tickets. As with all introductory APR offers, the regular APR (as shown in the table above) applies.

Why We Like Citi ThankYou Rewards Points

Citi’s ThankYou Rewards system is one of the best out there. Thanks to a list of valuable transfer partners, we actively recommend earning Citi ThankYou Points.

That’s because you can redeem points through transfer partners to book flights like ANA first class and Emirates business class.

Additionally, there are plenty of transfer redemptions to use outside of transfer partners, such as cash-back, gift cards, checks, merchandise, direct deposit, travel booked through the ThankYou Rewards travel portal, and more.

Chase Freedom Unlimited^®

Terms Apply / Rates & Fees

Chase Freedom Unlimited^®

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 all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

Apply Now(at Chase's secure site)

Chase Freedom Unlimited^®

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

Welcome Offer

Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

$200

Annual Fee

$0

APR

0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.74% - 28.24%.

Credit Recommended

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

Good to Excellent

Why We Like This Card

The Chase Freedom Unlimited^® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.

Pros & Cons

Pros

• 5% back on travel purchased through Chase Travel℠
• 3% back on dining and drugstore purchases
• 1.5% back on all other purchases

Cons

• 3% foreign transaction fee

Read Full Review

Card Highlights

• Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
• Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.74% - 28.24%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited^® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
• Member FDIC

Financial Snapshot

• APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.74% - 28.24%.
• Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

Chase Ultimate Rewards

The Freedom Unlimited card has superb earning categories overall, but what makes this card special is its ability to earn 1.5% cash-back on all purchases regardless of category. That means your medical and dental expenses qualify for 1.5% cash-back.

To sweeten the deal, you earn 5% cash-back on travel booked through the Chase Travel portal and 3% cash-back on dining at restaurants and drugstore purchases.

Your Freedom Unlimited card’s cash-back rewards are awarded as Ultimate Rewards points. If you also have an Ultimate Rewards credit card, such as the Chase Sapphire Preferred^® Card, the Chase Sapphire Reserve^®, or the Ink Business Preferred^® Credit Card, you can combine and transfer those points to Chase’s air and hotel partners.

Also, the introductory 0% APR benefit on purchases and balance transfers is nothing to sneeze at, either. The card offers a 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.74% - 28.24%

The Freedom Unlimited card comes with benefits like secondary rental car insurance, purchase protection, extended warranty, zero liability for unauthorized purchases, fraud protection and alerts, and more.

Why We Like Chase Ultimate Rewards Points

Chase Ultimate Rewards are some of the most valuable types of points in the entire world, worth 2 cents each.

While it’s true that the Freedom Unlimited card’s rewards are only redeemable at a 1-cent-per-point value, you can double the value of your points by having an Ultimate Rewards card, like the Chase Sapphire Preferred card.

To achieve greater value, transfer your Ultimate Rewards points to the Chase travel partners and use them for luxury business and first-class flights!

Platinum Card^® from American Express

+ NEW BENEFITS

Terms Apply / Rates & Fees

Platinum Card^® from American Express

U.P. Rating 

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

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

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

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

Platinum Card^® from American Express

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

Welcome Offer

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

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

UP's Offer Valuation*:

Up to $3,850

Annual Fee

$895

APR

See Pay Over Time APR

Credit Recommended

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

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 1,550 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

• $895 annual fee (rates and fees)
• Airline credit does not cover airfare (only incidentals like checked bags)

Read Full Review

Card Highlights

• You may be eligible for as high as 175,000 Membership Rewards^® points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
• Get more for your travels with 5X Membership Rewards^® points on all flights and prepaid hotel bookings through American Express Travel^®, including Fine Hotels + Resorts^® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel^® on up to $500,000 on these purchases per calendar year.
• More Value! With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection^®, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club^® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges. * As of 07/2025.
• More Value! $200 Uber Cash + $120 Uber One Credit: With the Platinum Card^® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card^® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card^® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
• More Value! $300 Digital Entertainment Credit: Get up to $25 in statement credits each month after you pay for eligible purchases with the Platinum Card^® at participating partners. Enrollment required.
• More Value! $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts^® or The Hotel Collection* bookings through American Express Travel^® using the Platinum Card^®. *The Hotel Collection requires a minimum two-night stay.
• New! $400 Resy Credit + Platinum Nights by Resy: When you use the Platinum Card^® to pay at U.S. Resy restaurants and to make other eligible purchases through Resy, you can get up to $100 in statement credits each quarter with the $400 Resy Credit benefit. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card^®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you, enrollment required.
• More Value! $209 CLEAR^® Plus Credit: CLEAR^® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. You can cover the cost of a CLEAR Plus Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR Plus with the Platinum Card^®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card^® Account*. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
• Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts^® through American Express Travel^®, enjoy noon check-in upon arrival, when available, and guaranteed 4PM check-out.
• New! $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card^® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
• $155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card^®.*Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
• $100 Saks Credit: Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on the Platinum Card^®. That’s up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. No minimum purchase required. Enrollment required.
• Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
• $895 annual fee.
• Terms Apply.

Financial Snapshot

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

Rewards Center

American Express Membership Rewards

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

The Amex Platinum card is the last personal card we’ll be talking about, and there’s a lot to talk about. This ultrapremium card offers the best luxury travel perks in the world.

Before we discuss that, though, let’s talk about the welcome offer: A large bill from the doctor could easily help you reach the minimum spending requirement to receive the bonus, and you earn 1x points on these medical or dental expenses.

Plus, you’ll get 5x points for flights booked directly with airlines or with AmexTravel.com (capped at $500,000 per calendar year).

And as far as luxury travel perks go, check out this massive list of benefits (terms apply and some benefits require enrollment through your American Express account):

• Access to the American Express Global Lounge Collection, including Centurion Lounges, 10 visits to Delta Sky Clubs (when flying Delta same-day) with the ability to unlock unlimited visits through spend, Escape Lounges – The Centurion^® Studio Partner, International American Express Centurion Lounges, Plaza Premium Lounges, Select Virgin Clubhouses, Select Lufthansa Lounges, and Priority Pass lounges upon enrollment
• Access to American Express’s Fine Hotels + Resorts and the Hotel Collection
• Complimentary hotel elite status (Hilton Honors Gold and Marriott Bonvoy Gold Elite status) upon enrollment
• Complimentary rental car status (Avis Preferred Club, Hertz Gold Plus Rewards, and National Emerald Club Executive)
• Airfare discounts at the Amex International Airline Program
• Up to $200 airline incidental fee credit
• $209 CLEAR^® Plus credit
• Up to $600 prepaid hotel credit on eligible stays (up to $300 semi-annually)
• Travel insurance coverage, including trip interruption and cancellation; trip delay insurance; lost, stolen, damaged, or delayed baggage; secondary rental car insurance; and emergency evacuation coverage

You also get lifestyle benefits, like up to $100 in Saks Fifth Avenue statement credits, up to $300 digital entertainment credit, up to $200 Uber Cash for U.S. Uber rides or U.S. Uber Eats orders (just add your eligible card to your account and use any Amex card for the transaction), a $12.95 monthly Walmart + credit, and up to $300 in Equinox credit.

Also, you get access to Amex Offers, purchase protection, extended warranty, zero fraud liability protection, and no foreign transaction fees (rates & fees).

Why We Like Amex Membership Rewards Points

Amex Membership Rewards takes the crown for the most valuable points in the world, valued at 2.2 cents each.

You can get tons of value by redeeming your points on luxury travel through the Amex transfer partners.

For other redemptions, you don’t get great value, but these include Shop with Points at Amazon, cash-back, gift cards, charity, statement credits, and Pay With Points travel bookings via AmexTravel.com.

Best Business Cards

If medical expenses or dental work are deductible business expenses for your situation, then pay attention to this next list of the best business credit cards for medical and dental expenses.

Card Summary

The Blue Business^® Plus Credit Card from American Express

Terms Apply / Rates & Fees

The Blue Business^® Plus Credit Card from American Express

U.P. Rating 

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

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.

Welcome Offer

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's Offer Valuation*:

Up to $330

Annual Fee

No annual fee

APR

16.99% - 26.99% Variable,0% on purchases for 12 months from date of account opening

Credit Recommended

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

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, 16.99% - 26.99%, 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: 16.99% - 26.99% Variable,0% on purchases for 12 months from date of account opening
• 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 easily one of the best business credit cards for rewards.

The card offers 2x Amex Membership Rewards points per $1 spent on everyday business purchases, up to a maximum of $50,000 per year. Upon hitting the maximum spend, you earn a straightforward 1x thereafter, so we generally recommend using this card for your first $50,000 in general business purchases.

It also comes with an introductory 0% APR perk you can use to defer interest fees on any balances (rates & fees). The card has a 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.99% - 26.99%.

This card also gets you access to benefits like purchase protection, extended warranty, Membership Rewards, and employee cards at no additional cost (see rates & fees).

Ink Business Unlimited^® Credit Card

Ink Business Unlimited^® Credit Card

U.P. Rating 

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

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

Ink Business Unlimited^® Credit Card

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

Welcome Offer

Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

$900

UP's Offer Valuation*:

$900

Annual Fee

$0

APR

0% intro APR on purchases for 12 months; variable 17.24% - 23.24% thereafter.

Credit Recommended

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

Good to Excellent

Why We Like This Card

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

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

Don’t forget too, 0% intro APR on purchases for 12 months; variable 17.24% - 23.24% thereafter.

Pros & Cons

Pros

• 1.5% cash-back on all purchases
• No annual fee
• 0% intro APR on purchases for 12 months; variable 17.24% - 23.24% thereafter.

Cons

• 3% foreign transaction fee

Read Full Review

Card Highlights

• Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
• Earn unlimited 1.5% cash back on every purchase made for your business
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards^®.
• Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• 0% introductory APR for 12 months on purchases
• Member FDIC

Financial Snapshot

• APR: 0% intro APR on purchases for 12 months; variable 17.24% - 23.24% thereafter.
• Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

• Chase Ultimate Rewards

The Ink Business Unlimited card offers a similar earning structure, boasting 1.5% cash-back on everyday business purchases.

The difference is that this card comes with a huge welcome bonus offer, in addition to benefits like a 0% intro APR on purchases for 12 months; variable 17.24% - 23.24% thereafter..

Furthermore, you can add unlimited employee cards with no additional fees, get primary rental car insurance, extended warranty, purchase protection, zero liability fraud coverage, and more.

Capital One Spark Miles for Business

Capital One Spark Miles for Business

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.

Welcome Offer

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

UP's Offer Valuation*:

$900

Annual Fee

$0 intro for the first year, $95 after that

APR

24.99% (Variable)

Credit Recommended

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

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: 24.99% (Variable)
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

 

The Capital One Spark Miles card is Capital One’s flagship business credit card.

It offers unlimited 2x Capital One miles per $1 spent on every purchase with no limits or category restrictions, and miles don’t expire for the life of the account. There’s a lot to love about it!

You can even earn 5x miles on hotel and rental car bookings made through Capital One’s travel booking site.

Other perks on this card are the up to $120 Global Entry or TSA PreCheck application fee credit, no-cost employee cards, roadside assistance, extended warranty, purchase protection, and no foreign transaction fees.

The Business Platinum Card^® from American Express

ELEVATED WELCOME OFFER

Terms Apply / Rates & Fees

The Business Platinum Card^® from American Express

U.P. Rating 

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

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

Apply Now(at Amex's secure site)

The Business Platinum Card^® from American Express

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

Welcome Offer

Earn 150,000 200,000 Membership Rewards^® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.

150,000 200,000 points

UP's Offer Valuation*:

Up to $4,400

Annual Fee

$895

APR

17.99% - 28.74% Variable

Credit Recommended

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

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 1,550 lounges, along with tons of annual credits, it’s easy to see why this card is a top option for frequent traveling business owners.

Pros & Cons

Pros

• Earn 5x Membership Rewards points per $1 on eligible travel purchases like flights, prepaid hotels, and prepaid short-term rentals booked through AmexTravel.com
• Access to over 1,550 worldwide airport lounges as part of the American Express Global Lounge Collection
• Earn 2x Membership Rewards points 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 $895 (rates & fees)
• Airline fee credit does not cover airfare, only incidentals like checked bags

Read Full Review

Card Highlights

• Elevated Welcome Offer: Earn 200,000 Membership Rewards^® points after you spend $20,000 in eligible purchases on the Business Platinum Card^® within the first 3 months of Card Membership.
• The American Express Global Lounge Collection^® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
• See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
• New! Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts^® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card^®. The Hotel Collection requires a minimum two-night stay.
• No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
• 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.
• 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.
• Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR^® Plus Membership (subject to auto-renewal).
• Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
• New! Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
• New! Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
• Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
• Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
• Enhanced! 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
• 5X points on flights and prepaid hotels on AmexTravel.com
• 1X points on other eligible purchases
• $895 Annual Fee.
• Terms Apply.

Financial Snapshot

• APR: 17.99% - 28.74% 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 150,000 200,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Business Platinum card rounds out our best business cards for high-cost medical and dental expenses, and you should absolutely consider holding this card if you’re a business owner.

You earn 5x points for flights, prepaid hotels, and short-term rentals booked via AmexTravel.com and 2x on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else (up to $2 million in purchases per calendar year).

That means if you have a $7,000 medical or dental procedure, you can earn 2x Amex points!

You can also find a series of travel perks (some require enrollment), including access to the American Express Global Lounge Collection, up to $200 in airline incidental fee credits, up to $200 Hilton statement credit, up to $209 CLEAR Plus credit per year, access to the Fine Hotels + Resorts program and up to $600 in statement credits annually for eligible prepaid bookings through Amex Travel, hotel and rental car elite status upon enrollment, a 35% Pay With Points rebate on flights booked on your designated airline through AmexTravel.com (up to 1,000,000 bonus points per calendar year), a Global Entry or TSA PreCheck application fee credit, and more.

And on an ongoing basis, make use of purchase protection, return protection, secondary rental car insurance, extended warranty, and integrations into QuickBooks.

Final Thoughts

If you have upcoming medical or dental work and are looking to earn rewards or cash back for your expenses, we hope we’ve shed some light on some of the most worthwhile credit cards to use for your needs.

Whether you’re putting charges from the doctor’s office on a regular personal credit card or are planning to use a business card, we’ve shown you the top choices to help you make the most of points, rewards, and travel benefits!

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.

For the trip cancellation and interruption insurance benefit of the Platinum Card^® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the trip delay insurance benefit of the Platinum Card^® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the baggage insurance plan benefit of the Platinum Card^® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the car rental loss and damage insurance benefit of the Platinum Card^® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

For the purchase protection benefit of The Blue Business^® Plus Credit Card from American Express, eligibility and benefit level varies by Card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the extended warranty benefit of The Blue Business^® Plus Credit Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the purchase protection benefit of The Business Platinum Card^® from American Express, eligibility and benefit level varies by Card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the return protection benefit of The Business Platinum Card^® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details.

For the car rental loss and damage insurance benefit of The Business Platinum Card^® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

For the extended warranty benefit of the The Business Platinum Card^® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.