The 18 Best Business Credit Cards With No Foreign Transaction Fees [2025]

If you’re in the market for a small business credit card, you might find yourself dizzied with the dozens of card options out there.

One important consideration when deciding on a new card is whether or not you plan to use that card overseas. If you are, then you’ll definitely want a card that does not charge foreign transaction fees. After all, if your card charges the average 3% foreign transaction fee, then you’ll completely negate the value of any rewards you’ll receive.

In this post, we will show you all of the best business cards without foreign transaction fees, along with some tips to help you decide which card is best for you and your business needs.

Best American Express Business Cards

Amazon Business Prime American Express Card

Terms Apply / Rates & Fees

Amazon Business Prime American Express 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.

Apply Now(at Amex's secure site)

Amazon Business Prime American Express Card

Welcome Offer

Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.

$125 Amazon Gift Card

UP's Offer Valuation*:

Up to $125

Annual Fee

No annual fee

APR

18.49% - 26.49% 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 Amazon Business Prime Amex card is a compelling option for business owners who frequently make purchases with Amazon, Amazon Business, Amazon Web Services, and Whole Foods.

Pros & Cons

Pros

• 5% back, or 90-day terms, on U.S. purchases at Amazon.com, Amazon Business, AWS, and Whole Foods Market on the first $120,000 in purchases each calendar year, 1% Back thereafter
• 2% back on U.S. purchases at restaurants, gas stations, and wireless phone services purchased directly from service providers
• 1% back on all other purchases

Cons

• 5% back rewards are limited to $120,000 per year in purchases
• Requires an Amazon Prime membership

Read Full Review

Card Highlights

• Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.
• Take advantage of 5% Back or 90-Day Terms on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market with eligible Prime membership. You can earn 5% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
• 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
• 1% Back on other purchases
• No Annual Fee¤
• Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
• Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
• Terms apply.

Financial Snapshot

• APR: 18.49% - 26.49% Variable
• Foreign Transaction Fees: None

Rewards

• 5% back on U.S. purchases at Amazon Business, AWS, Amazon.com, and Whole Foods Market on the first $120,000 in purchases each calendar year with an eligible Prime Membership, 1% back thereafter
• 2% back on purchases at U.S. restaurants and gas stations and wireless phone services purchased directly from U.S. service providers
• 1% back on all other eligible purchases

Benefits

With the Amazon Business Prime Amex card, you’ll receive benefits like purchase protection for items with up to $1,000 in coverage per occurrence, up to $50,000 per account per calendar year. You’ll also receive extended warranty coverage, employee cards at no additional cost, and access to Amex Offers.

Best For: Business owners that spend a large amount through Amazon

American Express^® Business Gold Card

ELEVATED OFFER

Terms Apply / Rates & Fees

American Express^® Business Gold Card

U.P. Rating 

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

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

Apply Now(at Amex's secure site)

American Express^® Business Gold Card

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

Welcome Offer

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

100,000 points

UP's Offer Valuation*:

Up to $2,200

Annual Fee

$375

APR

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

Credit Recommended

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

Good to Excellent

Why We Like This Card

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

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

Pros & Cons

Pros

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

Cons

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

Read Full Review

Card Highlights

• Welcome Offer: Earn 100,000 Membership Rewards^® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
• 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.49% to 29.24% variable APR.*
• Earn 4X Membership Rewards^® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
• Earn 3X Membership Rewards^® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
• Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.*
• Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
• The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
• *Terms Apply

Financial Snapshot

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

Rewards Center

American Express Membership Rewards

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

Rewards

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)

Benefits

In addition to helping you rack up Amex Membership Rewards points, which we value as the highest transferable rewards currency, the Amex Business Gold Card comes with a handful of other benefits to make the card worthwhile.

Cardholders also get access to Amex’s The Hotel Collection, trip delay insurance, baggage insurance, rental car insurance, purchase protection, and extended warranty coverage.

Best For: Business owners with a high amount of spend in one or more of the card’s 6 bonus categories

The Business Platinum Card^® from American Express

Terms Apply / Rates & Fees

The Business Platinum Card^® from American Express

U.P. Rating 

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

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

Apply Now(at Amex's secure site)

The Business Platinum Card^® from American Express

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

Welcome Offer

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

150,000 points

UP's Offer Valuation*:

Up to $3,300

Annual Fee

$695

APR

18.49% - 29.24% Variable

Credit Recommended

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

Good to Excellent

Why We Like This Card

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

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

Pros & Cons

Pros

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

Cons

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

Read Full Review

Card Highlights

• Welcome Offer: Earn 150,000 Membership Rewards^® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
• The American Express Global Lounge Collection^® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 10/2024.
• Unlock over $2,000 in statement credits with business and travel benefits annually* on the Business Platinum Card. Terms apply. Learn more. *After meeting qualifying spend thresholds
• New! Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
• New! Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
• Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
• Make the Business Platinum Card^® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
• 5X points on flights and prepaid hotels booked on AmexTravel.com
• 1.5X points (that’s an extra half point per dollar) on purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
• 1X points on other eligible purchases
• Use the Business Platinum Card^® and get up to $209 back per calendar year on your CLEAR^® Plus Membership (subject to auto-renewal).
• $695 Annual Fee.
• Terms Apply.

Financial Snapshot

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

Rewards Center

American Express Membership Rewards

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

Rewards

• 5x points per $1 on flights, prepaid hotels, and short-term rentals and prepaid flight and hotel packages booked at AmexTravel.com
• 1.5x points per $1 on eligible purchases at U.S. construction material and hardware suppliers, U.S. electronic goods retailers and software and cloud system providers, and U.S. shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these eligible purchases per calendar year.
• 1x point per $1 on all other purchases

Benefits

In terms of benefits, the Amex Business Platinum takes the cake, as it should, since the card charges a very high annual fee ($695). But there’s a reason why it’s one of the best Amex business cards.

Cardholders receive access to the American Express Global Lounge Collection, which includes Centurion Lounges, Delta Sky Clubs (when flying Delta the same day), Escape Lounges – The Centurion Studio Partner, Plaza Premium Lounges, and Priority Pass lounges (enrollment required).

With the card, you’ll also get a bevy of annual credits like up to $200 in statement credits annually for incidental fees with the airline fee credit, up to $1,150 annual Dell statement credits (up to $150 in credits annually and an additional $1,000 when you spend $5,000 or more on U.S. Dell purchases), up to $200 Hilton statement credits, up to $360 Indeed credit (up to $90 in statement credits per quarter year), $250 annual Adobe statement credits (when you spend $600 or more on U.S. Adobe purchases), up to $120 in wireless statement credits (up to $10 per month), and up to $209 in statement credits per year for CLEAR Plus membership. Some benefits require enrollment.

Further, cardholders also get 35% of their points back when using Pay With Points for a business or first class ticket with their select airline via AmexTravel.com, complimentary Hilton Honors Gold and Marriott Bonvoy Gold Elite status upon enrollment, access to American Express Fine Hotels + Resorts program, and various travel protection coverages.

Best For: Business owners who are frequent travelers and want premium benefits

Delta SkyMiles^® Reserve Business American Express Card

Terms Apply / Rates & Fees

Delta SkyMiles^® Reserve Business American Express 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.

Receive priority boarding, complimentary access to Delta Sky Club and Centurion Lounges, concierge support, and an annual companion certificate.

Apply Now(at Amex's secure site)

Delta SkyMiles^® Reserve Business American Express Card

Receive priority boarding, complimentary access to Delta Sky Club and Centurion Lounges, concierge support, and an annual companion certificate.

Welcome Offer

Earn 80,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.

80,000 miles

UP's Offer Valuation*:

Up to $960

Annual Fee

$650

APR

20.24% - 29.24% Variable

Credit Recommended

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

Good to Excellent

Why We Like This Card

The Delta SkyMiles^® Reserve Business American Express Card is a premium card option for small business owners who are both frequent travelers and Delta loyalists.

While the annual fee may be steep, the card comes loaded with perks and benefits that all frequent Delta flyers are sure to love. Let’s take a look at what makes the card unique, and why it may be a great fit for your wallet.

Pros & Cons

Pros

• 3x miles per dollar on Delta purchases
• 1.5x miles per dollar on eligible transit, U.S. shipping and office supply stores, plus all eligible purchases after you spend $150,000 in a year
• Save 15% On Award Travel With TakeOff 15. Not applicable to partner-operated flights or to taxes and fees.

Cons

• High annual fee
• Does not earn many miles for purchases outside of Delta spend

Read Full Review

Card Highlights

• Welcome Offer: Earn 80,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.
• Delta SkyMiles^® Reserve Members receive 15 Visits each Medallion^® Year to the Delta Sky Club^® and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card in a calendar year.
• Earn 3 miles per dollar on eligible Delta purchases.
• Get closer to elevated Status next Medallion^® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion^® Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles^® Reserve Business American Express Card.
• Receive a Companion Certificate on a First Class, Delta Comfort+^®, or Main Cabin domestic, Caribbean, or Central American round-trip flight each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply.
• With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
• Earn up to $10 back each month after using your enrolled Delta SkyMiles^® Reserve Business American Express Card for U.S. rideshare purchases with select providers.
• Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
• Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
• As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
• When you purchase a Delta flight with your Delta SkyMiles^® Reserve Business Card, you will receive complimentary access to The Centurion^® Lounge or Escape Lounge.
• Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
• Elevate your travel experience with an annual statement credit of up to $250 after using your Delta SkyMiles^® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
• Enjoy travel without foreign transaction fees from American Express with your Delta SkyMiles^® Reserve Business American Express Card.
• Terms and limitations apply.

Financial Snapshot

• APR: 20.24% - 29.24% Variable
• Foreign Transaction Fees: None

Rewards Center

Delta SkyMiles Frequent Flyer Program

Rewards

• 3x miles per $1 on purchases made directly with Delta
• 1.5x miles per $1 on eligible transit, U.S. shipping, and U.S. office supply store purchases
• 1x mile per $1 on all other purchases

Benefits

The Delta SkyMiles Reserve Business Card comes loaded up with benefits that frequent Delta flyers will love. For starters, you’ll receive complimentary Centurion Lounge access and 15 visits per year to Delta Sky Club when flying with Delta.

To earn an unlimited number of visits each year to Delta Sky Club, the total eligible purchases on the card must equal $75,000 or more each calendar year.

Don’t have status just yet? You may still receive complimentary upgrades on Delta flights just for holding the card.

Cardholders (and up to 8 travel companions on the same reservation) also receive their first checked bag free, Zone 5 priority boarding, trip delay insurance, baggage insurance, and a round-trip companion certificate each year to use in First Class, Delta Comfort+^®, or Main Cabin on domestic, Caribbean, or Central American flights.

Best For: Business owners that are loyal Delta Air Lines flyers

The Hilton Honors American Express Business Card

LIMITED-TIME OFFER

Terms Apply / Rates & Fees

The Hilton Honors American Express Business 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.

An excellent option for business owners and business travelers who stay at Hilton properties often and want perks like Hilton Honors elite status.

Apply Now(at Amex's secure site)

The Hilton Honors American Express Business Card

An excellent option for business owners and business travelers who stay at Hilton properties often and want perks like Hilton Honors elite status.

Welcome Offer

Earn 150,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors American Express Business Card in your first 6 months of Card Membership. Plus earn an additional 25,000 Hilton Honors Bonus points after you spend an additional $2,000 in purchases on your Card within your first 6 months of Card Membership. Offer Ends 8/13/2025.

up to 175,000 points

UP's Offer Valuation*:

Up to $875

Annual Fee

$195

APR

20.24% - 29.24% Variable

Credit Recommended

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

Good to Excellent

Why We Like This Card

For frequent business travelers who regularly stay in Hilton hotels, The Hilton Honors American Express Business Card is a great option.

Not only will the card help you earn more points on all of your Hilton stays, but you’ll also receive automatic elite status and travel protections.

Here’s a detailed look at all the benefits this card offers so that you can determine if it’s a good fit for you.

Pros & Cons

Pros

• Earn 12x points per $1 on eligible Hilton purchases
• Earn 5x points on other purchases made for the first $100,000 in purchases each calendar year, 3x points thereafter.
• Complimentary Hilton Honors Gold status, and the ability to spend your way to Diamond status

Cons

• $195 annual fee (rates and fees)

Read Full Review

Card Highlights

• Limited Time Offer: Earn 150,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors American Express Business Card in your first 6 months of Card Membership. Plus earn an additional 25,000 Hilton Honors Bonus points after you spend an additional $2,000 in purchases on your Card within your first 6 months of Card Membership. Offer Ends 8/13/2025.
• Earn 12X Hilton Honors Bonus Points on eligible purchases made directly with hotels and resorts within the Hilton portfolio.
• Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter.
• Get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card.
• Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors™ Gold Status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay.
• You may receive an upgrade to Hilton Honors™ Diamond Status through the end of the next calendar year if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more.
• As a Hilton Honors American Express Business Card Member, you can enroll to receive complimentary National Car Rental^® Emerald Club Executive^® status through the link on your American Express online account. After you’re enrolled, you can reserve a rental car by calling National Car Rental directly, using your travel service, or by booking online or through the National Car Rental mobile app. Terms apply.
• Terms apply.

Financial Snapshot

• APR: 20.24% - 29.24% Variable
• Foreign Transaction Fees: None

Rewards Center

Hilton Honors loyalty program

Rewards

• 12x points per $1 for purchases made directly with hotels and resorts in the Hilton portfolio
• 5x points on other eligible purchases made for the first $100,000 each calendar year, then 3x points thereafter

Benefits

The Hilton Business Amex card makes a lot of sense to business owners who travel often and are loyal to the hotel chain. The card offers automatic Hilton Honors Gold status, plus the ability to spend your way to Hilton Honors Diamond status after $40,000 in eligible purchases in a calendar year. Plus, receive up to $240 back in statement credits each year for eligible purchases made directly with Hilton.

Best For: Business owners that are Hilton Honors loyalists

Marriott Bonvoy Business^® American Express^® Card

Terms Apply / Rates & Fees

Marriott Bonvoy Business^® American Express^® Card

U.P. Rating 

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

A great option for business owners who stay in Marriott hotels and want automatic elite status.

Apply Now(at Amex's secure site)

Marriott Bonvoy Business^® American Express^® Card

A great option for business owners who stay in Marriott hotels and want automatic elite status.

Welcome Offer

WELCOME OFFER: Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy^® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy^®. Certain hotels have resort fees. Terms apply.

3 Free Night Awards

UP's Offer Valuation*:

Up to $1,050

Annual Fee

$125

APR

20.24% - 29.24% Variable

Credit Recommended

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

Good to Excellent

Why We Like This Card

Business travelers who opt for Marriott as their hotel chain of choice will definitely want to consider the Marriott Bonvoy Business^® American Express^® Card. The card offers great benefits to cardholders like a complimentary hotel night once a year, complimentary Gold Elite status, and multiple point redemption options.

Pros & Cons

Pros

• 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy^® program.
• 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
• 2x points per $1 on all other purchases

Cons

• Moderate annual fee of $125 (rates and fees)
• No premium perks like airport lounge access

Read Full Review

Card Highlights

• WELCOME OFFER: Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy^® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy^®. Certain hotels have resort fees. Terms apply.
• Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy^® member & a Marriott Bonvoy Business^® American Express^® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
• 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy^® program.
• 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
• 2x points on all other eligible purchases.
• Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Award can be used for one night (redemption level at or under 35,000 Marriott Bonvoy^® points) at hotels participating in Marriott Bonvoy^®. Certain hotels have resort fees.
• Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Marriott Bonvoy Business^® American Express^® Card.
• Terms apply.

Financial Snapshot

• APR: 20.24% - 29.24% Variable
• Foreign Transaction Fees: None

Rewards Center

Marriott Bonvoy

Rewards

• 6x points per $1 on eligible purchases at hotels participating in the Marriott Bonvoy program
• 4x points per $1 at restaurants worldwide, at U.S. gas stations and U.S. shipping providers, and wireless phone services purchased directly from U.S. service providers
• 2x points per $1 on all other purchases

Benefits

Not only does the Marriott Bonvoy Business card kickstart your elite status by giving you Marriott Gold Elite status, but you can also receive 15 Elite Night Credits each year for holding the card.

You’ll also receive 1 Free Night Award every year, usable at any participating Marriott hotel costing up to 35,000 points per night, and a second after you spend $60,000 in purchases on your card in a calendar year.

Beyond that, the card offers purchase protection, extended warranty, and access to Amex Offers.

Best For: Business owners that are Marriott Bonvoy loyalists

Best Bank of America Business Cards

Alaska Airlines Visa^® Business Credit Card

Rewards

• 3x points per $1 on Alaska Airlines purchases
• 2x points per $1 on eligible gas, EV charging station, shipping, and local transit (which includes ridesharing) purchases
• 1x point per $1 on all other purchases

Benefits

Business owners who are regular Alaska Airlines flyers will find that the Alaska Airlines Business card can be a perfect addition to their wallets. Not only does the card charge a low annual fee of just $70 for the company and $25 per card, but it comes with great benefits like a free checked bag for you and up to 6 guests on the same reservation when you pay for your flight with your card, priority boarding, and 20% back on all Alaska Airlines inflight purchases when you pay with your card.

Plus, perhaps the best benefit of the card is its annual companion certificate that allows you to book a round-trip companion flight starting at $122 ($99 fare plus taxes and fees from $23). The companion fare can be used anywhere that Alaska flies, which can save you fare more than the $70 for the company and $25 per card annual fee you pay.

Best For: Business owners that are loyal Alaska Airlines flyers

Bank of America^® Business Advantage Travel Rewards Card

Rewards

• 3x points per $1 on travel purchases made through the Bank of America Travel Center
• 1.5x points per $1 on all other purchases

Preferred Rewards for Business members have the ability to boost these reward rates by up to 75% based on their membership level within the program. Top-tier Platinum Honors with the boost could then earn up to an unlimited 5.25x points per $1 on Bank of America travel purchases and 2.62x points per $1 on all other purchases.

Benefits

Beyond being able to boost your rewards rates via Preferred Rewards for Business, the card also offers lost luggage reimbursement, trip cancellation coverage, and trip delay reimbursement, all with no annual fee!

Best For: Business owners that participate in the Bank of America Preferred Rewards for Business program

Best Barclays Business Cards

AAdvantage^® Aviator^® World Elite Business Mastercard^®

Rewards

• 2x miles per $1 on eligible American Airlines purchases
• 2x miles per $1 on select telecom, office supply, and car rental purchases
• 1x miles per $1 on all other purchases

Benefits

If you’re a frequent American Airlines flyer, you’ll enjoy that the AAdvantage Aviator Business card offers your first checked bag for free on domestic American Airlines itineraries for you and up to 4 companions, preferred boarding, and a 25% savings on inflight food and beverage purchases via statement credits.

Plus, you’ll receive a 5% mileage bonus each year after your account anniversary date based on the total number of miles earned using your card. Those who spend $30,000 on their card in a calendar year will be given a companion certificate, allowing them to bring a guest on any round-trip American booking in economy for just $99 plus taxes and fees.

Best For: Business owners that are American Airlines loyalists

The JetBlue Business Card

Rewards

• 6x points per $1 on eligible JetBlue purchases
• 2x points per $1 at restaurants and office supply stores
• 1x point per $1 on all other purchases

Benefits

Cardholders receive their first checked bag for free for themselves and up to 3 companions when they pay for their reservation with The JetBlue Business card, and a 50% discount on eligible inflight food and beverage purchases.

While the card does charge a $99 annual fee, you can add employee cards for no additional cost, and you’ll receive 5,000 bonus JetBlue points each year to help offset the annual fee.

The JetBlue Business card is also a great option for those looking for an easy way to reach JetBlue Mosaic status – you’ll earn 1 tile for every $1,000 spent.

Best For: Business owners that are frequent JetBlue flyers

Wyndham Rewards^® Earner℠ Business Card

Rewards

• 8x points per $1 on Wyndham stays and on qualifying gas purchases
• 5x points per $1 on eligible marketing, advertising, and utility purchases
• 1x point per $1 on all other purchases

Benefits

Those who frequent Wyndham hotels will love that the Wyndham Rewards Earner Business card comes with complimentary top-tier Diamond status within the Wyndham Rewards program, which offers perks like suite upgrades, late checkout, and a welcome amenity at check-in.

Further, you’ll also get a discount for being a cardmember off the best available rate on cash stays, and a 10% discount when redeeming your Wyndham points for free night awards.

While the card does charge a $95 annual fee, you’ll receive 15,000 bonus points on your account anniversary each year, enough for up to 2 free nights at select properties.

Best For: Business owners that regularly stay at Wyndham hotels

Best Capital One Business Cards

Capital One Spark Cash Plus Card

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

Capital One Spark Cash Plus Card

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

Welcome Offer

$2,000 cash back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year.

Up to $4,000+

Annual Fee

$150

APR

N/A

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

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

Pros & Cons

Pros

• Unlimited 2% cash-back on all purchases
• 5% cash-back on hotels and rental cars purchased through Capital One’s travel booking site
• No preset spending limit

Cons

• $150 annual fee

Read Full Review

Card Highlights

• Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
• Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
• Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
• Enjoy purchasing power that adapts to your business. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One’s travel booking site
• Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
• $150 annual fee – Spend $150,000 annually and Capital One will refund this fee every year
• Spark Cash Plus has no APR because your balance is due in full every month
• For businesses that need large spending capacity and want to maximize cash back

Financial Snapshot

• APR: N/A
• Foreign Transaction Fees: None

Rewards

• 2% cash-back on all purchases with no caps on how much you can earn

Benefits

If you’re looking for a simple cash-back card, consider the Capital One Spark Cash Plus card*×Information collected independently. Not reviewed by Capital One.. Not only does it offer 2% back on all purchases, but business owners with a large number of annual expenses will like that they get the $150 annual fee refunded every year they spend at least $150,000.

Plus the card doesn’t have any preset spending limits and you can add additional employee cards, to rack up even more cash-back, for no extra charge.

Best For: Business owners looking to maximize cash-back who pay in full each month

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

 

Rewards

• 5x Capital One miles per $1 on hotel and rental cars purchased through Capital One’s travel booking site
• 2x Capital One miles per $1 on all purchases

Benefits

Perhaps the biggest benefit of the Capital One Spark Miles card*×Information collected independently. Not reviewed by Capital One. is that you may be able to transfer the miles you earn with it to one of the 15+ Capital One travel transfer partners to unlock huge value. Cardholders also get a Global Entry or TSA PreCheck credit and extended warranty coverage.

Best For: Business owners looking for simplicity and transferable travel rewards

Best Chase Business Cards

Ink Business Preferred^® Credit Card

Ink Business Preferred^® Credit Card

U.P. Rating 

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

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

Ink Business Preferred^® Credit Card

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

Welcome Offer

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

90,000 points

UP's Offer Valuation*:

$1,800

Annual Fee

$95

APR

20.24% - 26.24% Variable

Credit Recommended

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

Good to Excellent (670-850)

Why We Like This Card

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

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

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

Pros & Cons

Pros

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

Cons

• No elite travel benefits like airport lounge access

Read Full Review

Card Highlights

• Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
• Redeem points for cash back, gift cards, travel and more – your points don’t expire as long as your account is open
• Points are worth more when you redeem for travel through Chase Travel^SM
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
• Member FDIC

Financial Snapshot

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

Rewards Center

Chase Ultimate Rewards

Rewards

• 3x Ultimate Rewards points per $1 on up to $150,000 in combined spend on:
  • Shipping purchases
  • Advertising purchases made with social media sites and search engines
  • Internet, cable, and phone services
  • Travel
• 1x Ultimate Rewards point per $1 on all other purchases

Benefits

For a card with a $95 annual fee, the Ink Business Preferred card has plenty of benefits that business owners will love. For starters, not only are your points transferable to 14 different Chase transfer partners, but your points also get a 25% bonus when you redeem through the Chase travel portal — giving you multiple great redemption options!

You’ll receive several other benefits as well, like the ability to add employee cards at no added cost, trip cancellation insurance, rental car insurance, purchase protection, extended warranty protection, and cell phone insurance with up to $1,000 in coverage each year.

Best For: Business owners looking for transferable rewards with large expenses in 1 of the 4 bonus categories

Southwest^® Rapid Rewards^® Performance Business Credit Card

Southwest^® Rapid Rewards^® Performance Business 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.

Southwest frequent flyers will love the upgraded boarding positions, inflight Wi-Fi credits, and bonus points on each cardmember anniversary.

Southwest^® Rapid Rewards^® Performance Business Credit Card

Southwest frequent flyers will love the upgraded boarding positions, inflight Wi-Fi credits, and bonus points on each cardmember anniversary.

Welcome Offer

Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.

80,000 points

UP's Offer Valuation*:

$1,040

Annual Fee

$199

APR

20.49% - 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 (670-850)

Why We Like This Card

The Southwest^® Rapid Rewards^® Performance Business Credit Card is a phenomenal option for business owners who are Southwest frequent flyers. It helps you earn more points on all of your business expenses, offers upgraded boarding certificates and Wi-Fi credits, and helps you reach higher levels of Southwest elite status. 

Pros & Cons

Pros

• 4x points per $1 spent on Southwest purchases
• 3x points per $1 spent on Rapid Rewards hotel and car rental partner purchases
• 2x points per $1 spent on social media and search engine advertising, internet, cable, and phone services

Cons

• $199 annual fee
• Doesn’t earn transferable rewards

Read Full Review

Card Highlights

• Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
• 9,000 bonus points after your Cardmember anniversary.
• Earn 4X pts on Southwest^® purchases.
• Earn 3X points on Rapid Rewards^® hotel and car rental partners.
• Earn 2X points on rideshare.
• Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.
• 4 Upgraded Boardings per year when available.
• Member FDIC

Financial Snapshot

• APR: 20.49% - 27.49% Variable
• Foreign Transaction Fees: None

Rewards

• 4x points per $1 on Southwest purchases
• 3x points per $1 on Rapid Rewards hotel and car rental partner purchases
• 2x points per $1 on local transit and commuting, including rideshare services
• 2x points per $1 on social media and search engine advertising, internet, cable, and phone services
• 1x point per $1 on all other purchases

Benefits

While the card does come with a $199 annual fee, there are multiple benefits offered to help you recoup that cost, like 9,000 anniversary points each year (worth $117 based on our valuations), 4 Upgraded Boardings per year, and up to 365 inflight Wi-Fi statement credits per year.

Looking to work your way towards Southwest status? You can earn 1,500 tier qualifying points for every $5,000 spent on the card, with no limit on the amount of TQPs you can earn each year.

Cardholders also get a $500 fee credit for points transfers, the ability to add employee cards at no added cost, lost luggage and baggage delay insurance, extended warranty protection, and purchase protection.

Best For: Business owners that are frequent Southwest flyers

The New United℠ Business Card

LIMITED TIME OFFER

The New United℠ Business Card

U.P. Rating 

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

A business card from Chase for United loyalists with benefits such as free checked bags and discounts on inflight purchases.

The New United℠ Business Card

A business card from Chase for United loyalists with benefits such as free checked bags and discounts on inflight purchases.

Welcome Offer

Earn 100,000 United MileagePlus bonus miles and 2,000 PQP after spending $5,000 on qualifying purchases in the first three months of opening an account.

100,000 miles + 2,000 PQP

UP's Offer Valuation*:

$1,200

Annual Fee

$150

APR

20.49% - 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 cardapplication.

Good to Excellent

Why We Like This Card

The New United℠ Business Card is a compelling option for traveling business owners that are also frequent United flyers. Not only will this Chase business card help you earn more United miles, but it also offers great perks such as free checked bags, priority boarding, a discount on inflight purchases, and much more.

Pros & Cons

Pros

• 2x miles per $1 on United purchases
• 2x miles per $1 on dining
• 2x miles per $1 at gas stations and office supply stores, and on local transit and commuting

Cons

• Doesn’t earn transferable rewards
• Other United cards are more rewarding for United purchases

Read Full Review

Card Highlights

• Limited-time offer: Earn 100,000 bonus miles and 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open.
• $150 Annual Fee.
• 2x miles on United^® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
• 1x mile on all other purchases. Plus, employee cards at no additional cost – miles earned from their purchases accrue in your account so you can earn rewards faster.
• Receive a 5,000-mile “better together” bonus each anniversary when you have both the United^SMBusiness Card and a personal Chase United^® credit card.
• Enjoy a free first checked bag – a savings of up to $160 per roundtrip (terms apply), 2 United Club^SMone-time passes per year, and priority boarding privileges.
• Receive a $125 United travel credit after making 5 United^® flight purchases of $100 or more each calendar year with your United^SM Business Card.
• Member FDIC

Financial Snapshot

• APR: 20.49% - 28.99% Variable
• Foreign Transaction Fees: 

Rewards

• 2x miles per $1 on United purchases
• 2x miles per $1 on dining, including eligible delivery services
• 2x miles per $1 at gas stations, office supply stores, and on local transit and commuting
• 1x mile per $1 on all other purchases

Benefits

If you’re a frequent United flyer, the United Business card comes with plenty of perks to enhance your flights.

Cardholders get their first checked bag free (along with 1 companion traveling on the same reservation) when they pay for their flight with their card. They’ll also get priority boarding, 25% off inflight purchases, up to $25 back in statement credits for FareLock purchases each year, and 2 one-time United Club passes each year (the primary cardholder or an authorized user must be present to use the passes).

While not guaranteed benefits, you can also earn a $125 United travel credit (i.e., TravelBank cash) each anniversary year that you make 5 United flight purchases, each totaling $100 or more, and 5,000 bonus points each year if you also hold a personal United credit card. Plus, after spending $25,000 in a calendar year, you earn 2 continental U.S. Economy Plus seat upgrades.

If you’re trying to work your way towards United elite status, you can earn up to 4,000 Premier Qualifying Points (PQPs) at a rate of 1 PQP for every $20 you spend on purchases in a calendar year.

Lastly, you’ve got benefits that help keep you covered, like trip delay insurance, baggage delay and lost luggage insurance, rental car insurance, extended warranty coverage, and purchase protection.

Best For: Business owners who are United Airlines loyalists

World of Hyatt Business Credit Card

World of Hyatt Business 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 World of Hyatt Business card provides a solid option for business travelers that are looking to put their expenses on a small business card.

World of Hyatt Business Credit Card

The World of Hyatt Business card provides a solid option for business travelers that are looking to put their expenses on a small business card.

Welcome Offer

Earn 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.

60,000 points

UP's Offer Valuation*:

Up to $900

Annual Fee

$199

APR

19.99% - 28.49% 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

Hyatt loyalists who do their fair share of business travel have been clamoring for the addition of a co-branded Hyatt business credit card for quite some time — and now it’s finally here.

The World of Hyatt Business Credit Card is now available. In this guide, we will walk you through everything you need to know about it!

Pros & Cons

Pros

• Up to 9x points total for Hyatt stays and experiences: 4 Bonus Points per $1 on qualified purchases at Hyatt hotels. Plus, up to 5 Base points from Hyatt per eligible $1 spent just for being a World of Hyatt member.
• 2x points per $1 spent in your top three spend categories each quarter. Eligible categories include: Dining, Shipping, Airline tickets when purchased directly with the airline, Local transit & Commuting, Social Media & Search Engine Advertising, Car Rental Agencies, Gas stations and Internet, Cable & Phone Services.
• 2x points per $1 spent on fitness club and gym memberships.

Cons

• $199 annual fee
• Bonus categories and benefits are very similar to the personal card

Read Full Review

Card Highlights

• 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.
• Up to 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
• 2 Bonus Points per $1 spent in your top three spend categories each quarter.
• 2 Bonus Points per $1 spent on fitness club and gym memberships
• 1 Bonus Point per $1 spent on all other purchases.
• Up to $100 in Hyatt statement credits - spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
• 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
• World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees
• Member FDIC

Financial Snapshot

• APR: 19.99% - 28.49% Variable
• Foreign Transaction Fees: None

Rewards Center

World of Hyatt

Rewards

• Up to 9 points total per $1 spent at Hyatt hotels – 4 Bonus Points per $1 on qualifying purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
• 2x points per $1 in your top 3 spend categories each quarter from the following:
  • Dining
  • Shipping
  • Airline tickets when purchased directly with the airline
  • Local transit and commuting
  • Social media and search engine advertising
  • Car rental agencies
  • Gas stations
  • Internet, cable, and phone services
• 2x points per $1 on fitness clubs and gym memberships
• 1x point per $1 on all other purchases

Benefits

The World of Hyatt Business card allows you to hit the ground running with automatic Hyatt Discoverist status for you and up to 5 employees. Plus you can earn 5 Tier-Qualifying Night credits toward status for every $10,000 you spend on the card in a calendar year.

You’ll also enjoy a $50 statement credit when you spend $50 or more at any Hyatt property (up to 2 times each year), automatic entry into the Hyatt Leverage program, and 10% of your redeemed points back for the rest of the year after spending $50,000 on your card in a calendar year (up to 200,000 points back).

Like many other cards, you’ll receive rental car insurance, trip cancellation insurance, purchase protection, and extended warranty protection.

Best For: Business owners that are World of Hyatt loyalists

Best Citi Business Card

Citi^® / AAdvantage^® Business™ World Elite Mastercard^®

Citi^® / AAdvantage^® Business™ World Elite 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.

Citi^® / AAdvantage^® Business™ World Elite 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

20.24% – 29.24% Variable

Credit Recommended

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

Excellent (740-850)

Why We Like This Card

With the Citi^® / AAdvantage Business™ World Elite 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 Point 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 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: 20.24% – 29.24% Variable
• Foreign Transaction Fees: None

Rewards Center

American Airlines AAdvantage Frequent Flyer Program

Rewards

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

Benefits

Cardholders get their first checked bag free, along with up to 4 traveling companions on the same reservation, on domestic American Airlines flights. Plus, they’ll get preferred boarding, a 25% discount on inflight food and beverage purchases as a statement credit, and 25% off inflight Wi-Fi.

You can also earn a $99 (plus taxes and fees) domestic economy fare companion certificate after you spend $30,000 or more in purchases on your card in a calendar year.

Best For: Business owners that are frequent American Airlines flyers

Bonus: Avoiding Currency Conversion Fees

Many travelers often confuse currency conversion fees and foreign transaction fees as the same thing — they are not. As we’ve discussed, foreign transaction fees are a fee you pay for using your card abroad, though not all cards charge this.

So what are currency conversion fees, then? Well, if you’ve ever made a purchase abroad, you’re likely familiar that you are usually presented with 2 different payment options when completing your payment: the local currency and U.S. dollars.

Often, travelers make the mistake of choosing to be charged in dollars as it seems the more convenient of the 2 options. However, this is a mistake as it usually comes along with a 1% or more currency conversion fee. Due to this, you should always select to be billed in the local currency, especially if you have a card with no foreign transaction fees, as then you won’t be charged any sort of fees for your purchase!

Final Thoughts

As you can see, you have several great options when it comes to adding a small business card with no foreign transaction fees to your wallet. Deciding which option is best for you will largely come down to what type of business you run and what type of rewards you’d like to earn.

Either way, if you do any sort of overseas travel for your business, having a card that does not charge foreign transaction fees is imperative as it will help save you anywhere from 2.7% to 3% in fees on every transaction you make!

The information regarding the Bank of America^® Business Advantage Travel Rewards Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.