The 13 Best Virtual Credit Cards in 2025 [Detailed Guide]

In a world where credit card theft and fraud are on the rise, one can, understandably, be very wary when using a credit card to make online purchases.

Even if an online merchant implements consistent safety practices to protect your information, there’s no guarantee that evildoers won’t try to hack these companies’ systems.

Because of this, virtual credit cards have begun to gain wider acceptance, and many are looking for credit card products that have virtual credit card numbers when deciding which cards to open!

So in this guide, we’ll walk you through the ins and outs of virtual credit cards. First, we’ll go through a high-level introduction; then, we’ll show you our favorite virtual credit cards, both personal and business.

Let’s get into it!

Card Summary

What Is a Virtual Credit Card?

So what is a virtual credit card and how does it work? Simply put, a virtual credit card is a unique credit card number tied to your main credit card account that does not reveal your primary credit card number.

This allows you to use a different credit card number for each merchant you spend at, prevent fraudsters from getting your primary account details, and set spending limits or expiration dates for each virtual credit card.

All in all, virtual credit cards provide extra protection for online purchases, as well as the added convenience of managing and limiting spending with each virtual credit card number.

The 5 Best Virtual Credit Cards for Personal Use

So let’s say you do a lot of shopping online. And let’s say that you shop at many different merchants, typically following the best deals with no particular loyalty to a single company. To adequately protect your data, you should get the best virtual credit cards for personal use.

Currently, 2 major issuers offer a complete virtual credit card solution for personal cards: Citi and Capital One (via Eno).

Other issuers, including American Express, Chase, and Discover, may offer similar solutions, but these aren’t exactly the same as virtual credit cards.

Here are our favorites!

Citi Strata Premier Card

Citi Strata Premier℠ Card

U.P. Rating 

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

Citi Strata Premier℠ Card

Welcome Offer

For a limited time: Earn 75,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards on thankyou.com.

75,000 points

UP's Offer Valuation*:

$1,200

Annual Fee

$95

APR

20.24% - 28.24% Variable APR

Why We Like This Card

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

Pros & Cons

Pros

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

Cons

• $95 annual fee

Read Full Review

Card Highlights

• For a limited time: Earn 75,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards on thankyou.com.
• Earn 10X points per $1 spent on hotels, car rentals, and attractions booked on CitiTravel.com.
• Earn 3X points per $1 on air travel and other hotel purchases, at restaurants, supermarkets, gas and EV charging stations.
• Earn 1X point per $1 spent on all other purchases.
• $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
• No expiration and no limit to the amount of points you can earn with this card.
• No foreign transaction fees on purchases.

Financial Snapshot

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

The Citi Strata Premier card is one of the best credit cards for everyday spending. It helps that Citi offers the ability to create virtual credit cards!

There’s no monthly fee for virtual credit cards, but you do need to enroll before creating your first virtual credit card. After that, just visit the Citi website and create one whenever you need a virtual credit card.

Just keep in mind that virtual credit card numbers can’t be used for in-person or in-app purchases.

In addition to a fantastic welcome offer, expect to earn up to 10x ThankYou Points on your purchases:

• 10x points on hotels, car rentals, and attractions booked through Citi Travel
• 3x ThankYou Points at restaurants, supermarkets, gas stations, EV charging stations, air travel, and hotels
• 1x points on all other purchases

We value ThankYou Points at 1.6 cents each, but you can certainly get better value by transferring to travel partners for luxury flights!

Additionally, this card has an annual hotel savings benefit of $100 off a stay of at least $500 when booked through thankyou.com or 800-THANKYOU (once per calendar year).

Lastly, there are no foreign transaction fees or authorized user fees.

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

0% Intro APR for 18 months on balance transfers, then 18.24% - 28.24% Variable

Credit Recommended

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

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

• Bonus Offer: 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.
• 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 18.24% – 28.24%, 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).
• Citi Double Cash^® Card Travel Portal Special Offer
  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 via cititravel.com or by calling 1-833-737-1288 (TTY: 711). Offer is valid through 12/31/2025.

Financial Snapshot

• APR: 0% Intro APR for 18 months on balance transfers, then 18.24% - 28.24% Variable
• Foreign Transaction Fees: 3% of the U.S. dollar amount of each purchase

Rewards Center

Citi ThankYou Rewards

The Double Cash card is yet another great example of a Citi card that offers rewards and a virtual credit card number.

Currently, the Double Cash card has an attractive 0% balance transfer APR, but the real reason to use this card is to earn up to 2% cash-back per dollar spent.

By itself, the Double Cash card earns 1% back when you buy and 1% back when you pay, totaling 2% cash-back (earned as 2x ThankYou Points).

But what’s special about the Double Cash card is that if you have a card such as the Citi Strata Premier card, you can combine the ThankYou Points you earn to transfer them to the full suite of Citi’s travel partners. That means that the 2x ThankYou Points you earn could deliver a return on spend of 3.2%!

This card comes with zero fraud liability, access to Citi Entertainment, and no authorized user fees.

Capital One Venture X Rewards Credit Card

Terms Apply / Rates & Fees

Capital One Venture X Rewards Credit Card

U.P. Rating 

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

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

Apply Now(at Capital One's secure site)

Capital One Venture X Rewards Credit Card

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

Welcome Offer

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

75,000 miles

UP's Offer Valuation*:

$1,350

Annual Fee

$395

APR

Purchases: 19.99% - 29.99% 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 cardapplication.

Excellent (740-840)

Why We Like This Card

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

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

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

 

Pros & Cons

Pros

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

Cons

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

Read Full Review

Card Highlights

• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
• Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
• Earn unlimited 2X miles on all other purchases
• Enjoy complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and the Partner Lounge Network
• Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
• Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
• Receive up to a $120 credit for Global Entry or TSA PreCheck^®

Financial Snapshot

• APR: Purchases: 19.99% - 29.99% Variable
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

 

Capital One offers Eno, a credit card assistant, in the form of a browser extension and app tool, to help you shop securely online.

With Eno, you can create virtual credit cards to hide your real credit card number — lock, unlock, or delete your virtual cards anytime and fully control your online shopping security.

The Capital One Venture X card is an incredible credit card option — offering a huge welcome offer, excellent rewards, and fantastic benefits, this should be a contender for a slot in your wallet.

You’ll earn:

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

To build on that, this card boasts $300 annual travel credit on Capital One Travel bookings, 10,000 bonus miles on each account anniversary year, access to airport lounges including Capital One Lounges and Priority Pass Select lounges, and up to $120 Global Entry or TSA PreCheck credit.

Throw in complimentary Hertz President’s Circle status, cell phone insurance, the ability to add additional cardholders for no fee (rates & fees), and the ability to create virtual credit cards, and you’ve got a winner!

Lastly, take note of no foreign transaction fees (rates & fees), and high-end travel insurance.

Capital One Venture Rewards Credit Card

LIMITED TIME OFFER

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 within the first 3 months of account opening, plus receive a one-time $250 Capital One Travel credit in your first cardholder year – that’s equal to $1,000 in travel.

75,000 miles + $250 travel credit

UP's Offer Valuation*:

$1,600

Annual Fee

$95

APR

Purchases: 19.99% - 29.99% (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 cardapplication.

Good to Excellent Credit (670-850)

Why We Like This Card

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

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

Pros & Cons

Pros

• 5x miles per $1 on hotels, vacation rentals, and rental cars booked through Capital One Travel
• 2x miles per $1 on all other purchases
• Up to a $120 Global Entry or TSA PreCheck application fee credit

Cons

• $95 annual fee (rates & fees)
• Limited elite benefits

Read Full Review

Card Highlights

• Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000 in travel
• Earn unlimited 2X miles on every purchase, every day
• Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Miles won't expire for the life of the account and there's no limit to how many you can earn
• Receive up to a $120 credit for Global Entry or TSA PreCheck^®
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
• Transfer your miles to your choice of 15+ travel loyalty programs

Financial Snapshot

• APR: Purchases: 19.99% - 29.99% (Variable)
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

The Capital One Venture card is the little sibling card of the Capital One Venture X card. With this card, you’ll still get the ability to create virtual credit cards, maintain simple structures, and get a welcome offer.

You’ll still earn unlimited 2x miles on every purchase, but you’ll also get 5x points on hotels, vacation rentals, and rental cars booked through Capital One Travel.

Enjoy up to $120 application fee credit for Global Entry or TSA PreCheck, solid travel insurance, and no foreign transaction fees (rates & fees).

Capital One VentureOne Rewards Credit Card

Terms Apply / Rates & Fees

Capital One VentureOne Rewards Credit Card

U.P. Rating 

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

The card offers unlimited miles at 1.25x per $1 and no annual fee. When you consider the flexible rewards, frequent travelers come out on top.

Apply Now(at Capital One's secure site)

Capital One VentureOne Rewards Credit Card

The card offers unlimited miles at 1.25x per $1 and no annual fee. When you consider the flexible rewards, frequent travelers come out on top.

Welcome Offer

Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel.

20,000 miles

UP's Offer Valuation*:

$360

Annual Fee

$0

APR

19.24% - 29.24% (Variable),0% intro on purchases for 15 months

Credit Recommended

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

Good to Excellent (670-850)

Why We Like This Card

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

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

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

Pros & Cons

Pros

• No annual fee (rates & fees)
• No foreign transaction fees (rates & fees)
• Ability to use transfer partners

Cons

• Weak earn rate at 1.25x miles per $1 spent on all purchases
• No luxury travel or elite benefits

Read Full Review

Card Highlights

• $0 annual fee and no foreign transaction fees
• Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
• Earn unlimited 1.25X miles on every purchase, every day
• Miles won't expire for the life of the account and there's no limit to how many you can earn
• Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Transfer your miles to your choice of 15+ travel loyalty programs
• Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; balance transfer fee applies

Financial Snapshot

• APR: 19.24% - 29.24% (Variable),0% intro on purchases for 15 months
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

The Capital One VentureOne card is the entry-level product that Capital One offers within the Venture family. This card can create virtual credit cards via Eno, which is a huge plus.

Your welcome offer won’t be as large, but you will earn:

• 5x miles on hotels and rentals cars booked via Capital One Travel
• 1.25x miles on all other purchases

The Capital One VentureOne card has no foreign transaction fees (rates & fees) and the ability to transfer miles to travel partners. It also has a 0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; balance transfer fee applies (rates & fees).

The 3 Best Amex Personal Cards With Click to Pay

American Express doesn’t offer true virtual credit cards for personal products, but it partners with Visa, Mastercard, and Discover to offer Click to Pay, an online payment method that effectively shields your credit card number from merchants to simplify and secure the checkout process.

As such, some Amex cards do enjoy an additional layer of security thanks to Click to Pay, but these cards can’t give you a true virtual credit card number like Capital One and Citi can.

But since American Express offers such attractive rewards and benefits, you should give these next cards some thought.

The Platinum Card^® from American Express

BEST LOUNGE ACCESS

Terms Apply / Rates & Fees

The Platinum Card^® from American Express

U.P. Rating 

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

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

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

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

The Platinum Card^® from American Express

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

Welcome Offer

Earn 80,000 Membership Rewards^® Points after you spend $8,000 on eligible purchases on the Card in your first 6 months of Card Membership.

80,000 points

UP's Offer Valuation*:

Up to $1,760

Annual Fee

$695

APR

See Pay Over Time APR

Credit Recommended

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

Good to Excellent

Why We Like This Card

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

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

Pros & Cons

Pros

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

Cons

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

Read Full Review

Card Highlights

• Earn 80,000 Membership Rewards^® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
• Earn 5X Membership Rewards^® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards^® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts^® or The Hotel Collection bookings through American Express Travel using your Platinum Card^®. The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card^® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• With American Express Global Lounge Collection^® you can enjoy access to over 1,400 airport lounges globally, including The Centurion^® Lounge, Unlimited Delta Sky Club^® Access when flying an eligible Delta flight, Escape Lounges, Lufthansa Lounges when flying Lufthansa Group, Plaza Premium, Priority Pass™ Select Lounges, & Additional Global Lounge Collection Partner Lounges subject to visit limitations. Lounges may have their own rules, like additional access rules and guest fees, and for Priority Pass Select, you need to enroll and there are unlimited airport lounge visits for Card Members. With Delta Sky Club Access, Card Members will receive 10 Visits to the Delta Sky Club to be used from February 1 until January 31 of the next calendar year and can unlock Unlimited Delta Sky Club Access by spending $75,000 in eligible purchases on their Card in a calendar year. To find a lounge, visit the membership section in the American Express^® App or visit http://www.americanexpress.com/findalounge#/loungefinder.
• $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card^® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card^®.
• $200 Uber Cash: Platinum Card^® Members can ride or dine in style with $15 in Uber Cash each month, plus a bonus $20 in December after adding their Card to their Uber account. Use your Uber Cash on rides and orders in the U.S. when you select an Amex Card for your transaction.
• $199 CLEAR^® Plus Credit: CLEAR^® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
• Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck^® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card^®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card^®. That's up to $50 in statement credits semi-annually. Enrollment required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card^® to your Resy profile.
• $695 annual fee.
• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
• Terms Apply.

Financial Snapshot

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

Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 175k points with the Amex Platinum. The current public offer is 80,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Platinum card currently has an enormous welcome offer, the best airport lounge access benefit of any card out there, excellent travel rewards, and other high-end benefits.

To start, earn according to this list:

• 5x Membership Rewards points per $1 spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
• 5x Membership Rewards points per $1 spent on prepaid hotels booked with AmexTravel.com
• 1x Membership Rewards points everywhere else

This card comes with access to the incredible Fine Hotels & Resorts and The Hotel Collection, plus a ton of annual or monthly statement credits from merchants including Uber, Equinox, Saks Fifth Avenue, and even airline fee credits and prepaid hotel credits on eligible AmexTravel.com bookings.

Plus, there are no foreign transaction fees (see rates & fees).

American Express^® Gold Card

BEST FOR DINING

Terms Apply / Rates & Fees

American Express^® Gold Card

U.P. Rating 

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

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

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

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

American Express^® Gold Card

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

Welcome Offer

Earn 60,000 Membership Rewards^® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.

60,000 points

UP's Offer Valuation*:

Up to $1,200

Annual Fee

$325

APR

See Pay Over Time APR

Credit Recommended

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

Good to Excellent

Why We Like This Card

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

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

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

Pros & Cons

Pros

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

Cons

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

Read Full Review

Card Highlights

• Earn 60,000 Membership Rewards^® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
• Earn 4X Membership Rewards^® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 4X Membership Rewards^® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 3X Membership Rewards^® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
• Earn 2X Membership Rewards^® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
• Earn 1X Membership Rewards^® point per dollar spent on all other eligible purchases.
• $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards^® points for Uber Eats purchases made at restaurants or U.S. supermarkets. Point caps and terms apply.
• $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express^® Gold Card at U.S. Dunkin' locations.
• $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express^® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
• $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express^® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
• Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
• No Foreign Transaction Fees.
• Annual Fee is $325.
• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
• Terms Apply.

Financial Snapshot

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

Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 90k points with the Amex Gold card. The current public offer is 60,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Gold card is yet another fantastic card that offers Click to Pay. With an attractive welcome offer and the ability to earn up to 4x points, this card is one of our top favorites.

Get up to 4x Membership Rewards points as follows:

• 4x Membership Rewards points per $1 spent at restaurants worldwide (up to $50,000 per calendar year, then 1x)
• 4x Membership Rewards points per $1 spent at U.S. supermarkets (up to $25,000 per calendar year, then 1x)
• 3x Membership Rewards points on flights booked directly with airlines or on AmexTravel.com

Plus, the card comes with some pretty great benefits:

• Up to $120 per year in Uber Cash towards rides or eats in the U.S. (distributed as $10 per month after you add your Amex Gold card to your account and use an eligible Amex card as the payment method)
• Up to $120 per year in dining credits at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys (distributed as $10 per month)
• Up to $100 Resy credit redeemable at any U.S. Resy restaurant and other eligible Resy purchases (distributed as $50 semi-annually)
• Up to $84 Dunkin’ credit redeemable at U.S. Dunkin’ locations (distributed as $7 per month)

Enrollment may be required for some benefits, so make sure you’re enrolled to get the most out of your card’s benefits.

The Amex Gold card has access to The Hotel Collection, and you won’t be hit with any foreign transaction fees, either, so the card is packed to the brim with value (see rates & fees).

Blue Cash Preferred^® Card from American Express

HIGHEST CASH BACK

Terms Apply / Rates & Fees

Blue Cash Preferred^® 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 great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

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

Blue Cash Preferred^® Card from American Express

This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.

Welcome Offer

Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.

$250

Annual Fee

$0 intro annual fee for the first year, then $95.

APR

20.24%-29.24% Variable,0% on purchases for 12 months

Credit Recommended

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

Good to Excellent

Why We Like This Card

The Blue Cash Preferred^® Card from American Express is a stellar cash-back credit card for those looking to maximize every purchase they make.

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

Pros & Cons

Pros

• 6% cash-back at U.S. supermarkets (up to $6,000 per year)
• 6% cash-back on select U.S. streaming subscriptions
• 3% cash-back on U.S. gas stations and transit (including rideshares, parking, etc.)

Cons

• $0 intro annual fee for the first year, then $95 annual fee (rates and fees)

Read Full Review

Card Highlights

• Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
• $0 intro annual fee for the first year, then $95.
• Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It^® to split up large purchases into monthly installments with a fixed fee. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
• Low Intro APR: 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 20.24% - 29.24%.
• 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
• 6% Cash Back on select U.S. streaming subscriptions.
• 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
• 1% Cash Back on other purchases.
• Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
• $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred^® Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
• Terms Apply.

Financial Snapshot

• APR: 20.24%-29.24% Variable,0% on purchases for 12 months
• Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Rewards Center

Redeem cash-back through your American Express account

We’re big fans of the Amex Blue Cash Preferred card because it offers fantastic cash-back rewards fit for frugal families.

When you use Click to Pay, you don’t need to worry about your card information getting compromised online — that makes it easy to get up to 6% cash-back:

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

Also, this card has a statement credit welcome offer and an introductory 0% APR promotion.

The 5 Best Virtual Credit Cards for Business Use

Now, let’s talk about business cards! Business owners know that paying vendors with credit cards can get complicated.

For B2B purposes, American Express offers a virtual credit card solution through a partnership with Extend, a New York-based fintech company that offers virtual cards to business owners. This is one of the most exciting developments in the virtual credit card space!

Whether it’s making secure vendor payments, easily tracking bill back expenses, gaining visibility over ad hoc spending, or more effectively controlling employee cards and spending, you can instantly level up your security and expense management game!

It’s super easy to sign up, and Extend’s dashboard is easy to use. You can currently create virtual cards in 4 ways:

• Standard Card — a basic virtual card with all the set controls you need to securely send a company card
• Auto-refill Card — a card that automatically refills for recurring expenses such as monthly subscriptions or regular employee purchasing cards
• Guest Access Card — virtual cards sent to people outside of Extend via email with a secure link
• Advanced CSV Upload — a batch of different virtual cards for a list of people, up to 100 unique cards at once

For corporate cards (not discussed in this article), Amex offers American Express Go.

Otherwise, the 2 major issuers that offer virtual credit cards are:

• Citi
• Capital One (via Eno)

The Business Platinum Card^® from American Express

LIMITED TIME TRAVEL 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 Membership Rewards^® points after you spend $20,000 on eligible purchases on your Business Platinum Card^® within the first 3 months of Card Membership. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card^® within the first 3 months of Card Membership. You can earn one or both of these offers. Offer ends 6/30/25.

150,000 points + $500 statement credit

UP's Offer Valuation*:

Up to $3,800

Annual Fee

$695

APR

18.49% - 27.49% Variable

Credit Recommended

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

Good to Excellent

Why We Like This Card

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

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

Pros & Cons

Pros

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

Cons

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

Read Full Review

Card Highlights

• Limited Time Travel Offer: Earn 150,000 Membership Rewards^® points after you spend $20,000 on eligible purchases on your Business Platinum Card^® within the first 3 months of Card Membership. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card^® within the first 3 months of Card Membership. You can earn one or both of these offers. Offer ends 6/30/25.
• The American Express Global Lounge Collection^® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 10/2024.
• Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card^®. Enrollment required.
• Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
• NEW! Make the Business Platinum Card^® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
• Earn 5X Membership Rewards^® points for flights, prepaid hotels, and short-term rentals and prepaid flight + hotel packages booked at AmexTravel.com. 1X points on other eligible purchases.
• Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
• $199 CLEAR^® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR^® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card^®.
• $695 Annual Fee.
• Terms Apply.

Financial Snapshot

• APR: 18.49% - 27.49% Variable
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 250,000 points with the Amex Business Platinum card. The current public offer is 150,000 points plus a $500 statement credit. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Business Platinum card is one of the best products that can help you take your business to new heights.

One of the biggest selling points is that this card has no preset spending limit*, but the most popular perks are all rewards- and travel-related.

There’s a huge welcome offer and the ability to earn up to 5x Membership Rewards points on purchases:

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

Go ahead and make use of the American Express Global Lounge Collection, rental car and hotel elite status, as well as the 35% Pay with Points rebate.

This fabulous card comes with tons of statement credits:

• Up to $200 in airline fee statement credits
• Up to $200 in Hilton statement credits
• Up to $199 in CLEAR Plus credit
• Up to $400 per year with Dell Technologies
• Up to $360 per year with Indeed
• Up to $150 per year with Adobe
• Up to $120 per year on wireless telephone purchases
• Up to $120 in Global Entry or TSA PreCheck application fee credits

Don’t forget to feel like a superstar when you book stays at Fine Hotels & Resorts.

American Express^® Business Gold Card

ELEVATED OFFER

Terms Apply / Rates & Fees

American Express^® Business Gold Card

U.P. Rating 

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

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

Apply Now(at Amex's secure site)

American Express^® Business Gold Card

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

Welcome Offer

Earn 100,000 Membership Rewards^® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.

100,000 points

UP's Offer Valuation*:

Up to $2,200

Annual Fee

$375

APR

18.49% - 27.49% Variable,0% on purchases for 6 months from date of account opening

Credit Recommended

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

Good to Excellent

Why We Like This Card

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

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

Pros & Cons

Pros

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

Cons

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

Read Full Review

Card Highlights

• Welcome Offer: Earn 100,000 Membership Rewards^® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
• 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.49% to 27.49% variable APR.*
• Earn 4X Membership Rewards^® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
• Earn 3X Membership Rewards^® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
• Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.*
• Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
• The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
• *Terms Apply

Financial Snapshot

• APR: 18.49% - 27.49% Variable,0% on purchases for 6 months from date of account opening
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

One of our favorite American Express business cards available is the Amex Business Gold card — it’s perhaps the best spending-focused card Amex has to offer.

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

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

And that’s not even taking into account the welcome offer!

Although you don’t get fancy luxury travel perks such as lounge access, you do get access to The Hotel Collection.

The Amex Business Gold card doesn’t have any foreign transaction fees, and the annual fee for employee cards is $95 for the first five cards and then $95 for each card thereafter, up to 99 cards (see rates & fees).

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

25.24% (Variable)

Credit Recommended

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

Good to Excellent (670-850)

Why We Like This Card

The Capital One Spark Miles for Business is a great option for business owners looking for an uncomplicated rewards card that earns double miles on every purchase they make and offers access to transfer partners, all for a low annual fee.

 

Pros & Cons

Pros

• Unlimited 2x miles per dollar spent on all purchases
• 5x miles per dollar spent on hotels, vacation rentals, and rental cars purchased through Capital One’s travel booking site
• Up to a $120 Global Entry or TSA PreCheck credit

Cons

• Annual fee: $0 intro for the first year, $95 after that

Read Full Review

Card Highlights

• Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
• Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account
• Unlimited 5X miles per dollar on hotels, vacation rentals and rental cars booked through Capital One’s travel booking site
• Transfer your miles to 15+ travel loyalty programs
• Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
• Receive up to a $120 credit for Global Entry or TSA PreCheck^®
• $0 intro annual fee for the first year; $95 after that
• Free employee cards which also earn unlimited 2X miles per dollar from their purchases

Financial Snapshot

• APR: 25.24% (Variable)
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

 

To recap, Capital One offers virtual credit cards through Eno, and one of the best business credit cards Capital One can offer is the Capital One Spark Miles card.

It has a sizable welcome offer and earns an unlimited 2x miles on all purchases with no blackout dates, seat restrictions, or minimum to redeem.

In addition, you can earn 5x miles on hotel, vacation rental, and rental car bookings made via Capital One’s travel booking site. There’s also a $120 Global Entry or TSA PreCheck application fee credit!

You won’t get hit with foreign transaction fees or employee card fees.

Capital One Spark Miles Select for Business

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

Capital One Spark Miles Select for Business

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

Welcome Offer

Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months from account opening.

50,000 miles

UP's Offer Valuation*:

$900

Annual Fee

$0

APR

18.49% - 24.49% Variable,

Why We Like This Card

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

Card Highlights

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

Financial Snapshot

• APR: 18.49% - 24.49% Variable,
• Foreign Transaction Fees: 

Rewards Center

Capital One Miles

A step below the Capital One Spark Miles card, the Capital One Spark Miles Select card offers business rewards with a $0 annual fee.

Get 5x miles on hotel and rental car bookings that are made through Capital One’s travel booking site and 1.5x miles on all purchases.

This card also comes with zero fraud liability, no foreign transaction fees, and free employee cards.

CitiBusiness^® / AAdvantage^® Platinum Select^® Mastercard^®

CitiBusiness^® / AAdvantage^® Platinum Select^® Mastercard^®

U.P. Rating 

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

A low annual fee, a free checked bag, and tons of perks and discounts make this card valuable for business owners who frequently travel with American Airlines.

CitiBusiness^® / AAdvantage^® Platinum Select^® Mastercard^®

A low annual fee, a free checked bag, and tons of perks and discounts make this card valuable for business owners who frequently travel with American Airlines.

Welcome Offer

Earn 65,000 American Airlines AAdvantage^® bonus miles after $4,000 in purchases within the first 4 months of account opening.

65,000 miles

UP's Offer Valuation*:

$910

Annual Fee

$0 intro annual fee for the first year, then $99

APR

20.49% to 29.49% Variable

Credit Recommended

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

Excellent (740-850)

Why We Like This Card

With the CitiBusiness^® / AAdvantage^® Platinum Select^® Mastercard^®, you get a card that helps you earn more miles on all of your business expenses, and gives you perks like preferred boarding, free checked bags, and discounts on inflight purchases, while also helping you qualify for higher levels of elite status.

Pros & Cons

Pros

• 2x miles per $1 spent on American Airlines purchases
• 2x miles per $1 spent on cable and satellite providers, at gas stations, on car rentals, and on select telecommunications merchants
• 1 Loyalty Points per $1 spent

Cons

• $0 intro annual fee for the first year, then $99 annual fee
• Does not earn transferable rewards

Read Full Review

Card Highlights

• Designed for businesses
• Earn 65,000 American Airlines AAdvantage^® bonus miles after $4,000 in purchases within the first 4 months of account opening
• First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line
• 25% savings on American Airlines inflight Wi-Fi when you use your card
• Enjoy preferred boarding on American Airlines flights
• Earn 2 AAdvantage^® miles per $1 spent on eligible American Airlines purchases, and on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations
• Earn 1 AAdvantage^® mile per $1 spent on other purchases
• Earn 1 Loyalty Point for every 1 eligible AAdvantage^® mile earned from purchases
• No Foreign Transaction Fees

Financial Snapshot

• APR: 20.49% to 29.49% Variable
• Foreign Transaction Fees: None

Rewards Center

American Airlines AAdvantage Frequent Flyer Program

The very last card we’ll discuss is the CitiBusiness Platinum Select card, a co-branded partnership between Citibank and American Airlines.

This business card is virtual credit card-enabled, earns a nice welcome offer, and racks up miles as follows:

• 2 AAdvantage miles per $1 spent on eligible American Airlines purchases, telecommunications merchants, cable and satellite providers, car rental merchants, and gas stations
• 1 AAdvantage mile per $1 spent on all other purchases

You’ll also get your first checked bag free on domestic American Airlines itineraries, preferred boarding on American Airlines flights, no foreign transaction fees, and free employee cards!

Drawbacks of Virtual Credit Cards

Virtual credit cards come with subtle, but important drawbacks.

For example, if you buy goods online with a virtual credit card number and want to return your item at a physical location, you will often be asked to insert the original form of payment that you used for the purchase.

So if you have a virtual credit card, you may have no choice but to accept a store credit instead of a refund.

Also, virtual credit cards may require you to keep track of more information, including virtual credit card account numbers, expiration dates, and spending limits.

Final Thoughts

Virtual credit cards are on the rise. Those who are wary of their credit card information being leaked have probably come across virtual credit cards.

And we’re here to tell you that they can offer extra protection when shopping online, especially if you think that online merchants are prone to hacks or data breaches.

Citi and Capital One offer virtual credit cards for their major products, while Amex and Chase offer Click to Pay.

Additionally, Amex offers virtual cards via a partnership with Extend on its business card products, and it has American Express Go for corporate cards.

We hope you’ve found this guide useful in helping you pick the best virtual credit cards for your needs.

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

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

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