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    The 7 Best Business Credit Cards With No Foreign Transaction Fees [September 2023]

    The 7 Best Business Credit Cards With No Foreign Transaction Fees [September 2023]

    We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

    Top Picks (Quick Summary)

    Card Welcome Offer and Annual Fee Benefits
    Ink Business Preferred® Credit Card
    • NEW OFFER: Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months.
    • Annual fee of $95
    • 3x points 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
    • No foreign transaction fees
    • Travel insurance and purchase protection
    • Employee cards at no additional cost
    American Express® Business Gold Card
    • Earn 70,000 points after you spend $10,000 on purchases in the first 3 months.
    • Annual fee of $295 (rates and fees)
    • 4x points on the 2 categories where your business spends the most (up to $150,000 per calendar year)
    The Business Platinum Card® from American Express
    • OUR BEST OFFER: Earn 120,000 points after you spend $15,000 on purchases in the first 3 months.
    • Annual fee of $695 (rates and fees)
    • 5x points on flights and prepaid hotels on Amex Travel
    • Access to over 1,400 worldwide lounges, including Amex Centurion Lounges and Priority Pass (upon enrollment)
    • Generous annual statement credits
    • 35% airline bonus when using Pay With Points (up to 1,000,000 bonus points per calendar year)
    Delta SkyMiles® Reserve Business American Express Card
    • Limited Time Offer: Earn 100,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Plus, earn an additional 10,000 Bonus Miles after you make an eligible Delta purchase with your new Card within your first 6 months. Offer Ends 10/25/2023.
    • Annual fee of $550 (rates and fees)
    • 3x SkyMiles on Delta purchases
    • Delta Sky Club and Centurion Lounge access
    • Ability to earn MQMs toward your Medallion status

    The Best Business Cards With No Foreign Transaction Fees

    1. Ink Business Preferred® Credit Card (Best Overall Card)

    NEW OFFER
    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 in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

    The 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.

    Learn More(at Chase's secure site)

    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.
    Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash-back or $1,250 toward travel when redeemed through Chase Ultimate Rewards.
    100,000 points
    $2,000
    $95
    Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
    Good to Excellent (670-850)

    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

    • 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
    • Trip cancellation and interruption insurance
    • Rental car insurance
    • Extended warranty coverage

    Cons

    • No elite travel benefits like airport lounge access
    • Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
    • 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 25% more when you redeem for travel through Chase Ultimate Rewards®
    • 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

    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    Chase Ultimate Rewards

    Rewards

    • 3x Ultimate Rewards points per $1 on up to $150,000 in 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 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

    2. American Express® Business Gold Card (Best for Earning Points)

    American Express® Business Gold CardTerms 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 in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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

    Learn More(at Amex's secure site)

    American Express® Business Gold Card

    Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).
    Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership
    70,000 points
    $1,540
    $295
    19.49% - 27.49% Variable
    Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
    Good to Excellent (670-850)

    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.

    Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 110,000 points with the Amex Business Gold card! The current public offer is 70,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

    Pros

    • 4x Membership Rewards points per $1 on the 2 categories where your business spends the most:
      • Airfare purchased from airlines
      • U.S. purchases for advertising in select media
      • U.S. purchases made from select technology providers of computer hardware, software, and cloud solutions
      • U.S. purchases at gas stations
      • U.S. purchases at restaurants
      • U.S. purchases for shipping
    • 25% airline bonus when using Pay With Points
    • Access to Amex’s The Hotel Collection
    • Purchase protection and extended warranty protection
    • Trip delay insurance
    • Car rental insurance

    Cons

    • $295 annual fee (rates and fees)
    • No elite travel benefits like airport lounge access or elite status
    • Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
    • MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases.**
    • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
    • PAY OVER TIME OPTION: Decide whether you want to pay eligible purchases in full each month—or pay over time with interest.*
    • *Terms Apply

    Financial Snapshot

    • APR: 19.49% - 27.49% Variable
    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    American Express Membership Rewards

    Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 110,000 points with the Amex Business Gold card! The current public offer is 70,000 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):

    • Airfare purchased from airlines
    • U.S. purchases for advertising in select media
    • U.S. purchases made from select technology providers of computer hardware, software, and cloud solutions
    • U.S. purchases at gas stations
    • U.S. purchases at restaurants
    • U.S. purchases for shipping

    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 delay insurance, rental car insurance, purchase protection, and extended warranty coverage.

    Best For: Business owners with a high amount of spend in 1 or more of the card’s bonus categories

    3. The Business Platinum Card® from American Express (Best for Airport Lounge Access)

    OUR BEST OFFER
    The Business Platinum Card® from American ExpressTerms 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 in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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

    Learn More(at Amex's secure site)

    The Business Platinum Card® from American Express

    This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
    Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
    120,000 points
    $2,640
    $695
    19.49% - 27.49% Variable
    Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
    Good to Excellent (670-850)

    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.

    Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 120,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

    Pros

    • 5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
    • Up to $200 annual airline fee credit on your selected qualifying airline
    • Statement credits on select purchases with your card
    • 35% airline bonus when using Pay With Points (up to 1,000,000 bonus points per calendar year)
    • Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
    • Global Entry or TSA PreCheck application fee credit
    • Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (cap applies)
    • Access to Amex’s Fine Hotels & Resorts program

    Cons

    • High annual fee of $695 (rates and fees)
    • Airline fee credit does not cover airfare, only incidentals like checked bags
    • Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
    • 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
    • Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
    • Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
    • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
    • $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
    • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
    • $695 Annual Fee.
    • Terms Apply.

    Financial Snapshot

    • APR: 19.49% - 27.49% Variable
    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    American Express Membership Rewards

    Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 120,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

    Rewards

    • 5x points per $1 on flights and prepaid hotels booked through Amex Travel
    • 1.5x points per $1 on eligible purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
    • 1x point per $1 on all other purchases

    Benefits

    In terms of benefits, the Amex Business Platinum card takes the cake, as it should, since the card charges a very high annual fee.

    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 (upon enrollment).

    With the card, you’ll also get a bevy of annual credits like up to $200 annual airline incidental credit, up to $400 annual Dell credit ($200 from January to June, and $200 from July to December), up to $360 annual Indeed credit ($90 per quarter), up to $150 annual Adobe Creative Solutions credit, up to $120 annual wireless statement credit ($10 per month), and $189 annual CLEAR credit.

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

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

    4. Capital One Spark Miles for Business

    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 in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

    The Capital One Spark Miles card is a low-annual-fee business card that earns 2x transferable miles on every $1 you spend. (Information collected independently. Not reviewed by Capital One.)

    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 $1 you spend. (Information collected independently. Not reviewed by Capital One.)
    Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.
    50,000 miles
    $900
    $0 intro for the first year, $95 after that
    25.99% Variable
    Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
    Good to Excellent (670-850)

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

     

    Pros

    • Unlimited 2x miles per $1 spent on all purchases
    • 5x miles per $1 spent on hotel and rental cars purchased through Capital One Travel
    • 2 complimentary visits to a Capital One Lounge per year
    • Up to a $100 Global Entry or TSA PreCheck credit
    • Access to Capital One transfer partners
    • No foreign transaction fees
    • Free employee cards
    • Extended warranty coverage

     

    Cons

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

     

    • Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
    • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account
    • Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
    • Transfer your miles to 15+ travel loyalty programs
    • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
    • Fly through security with one statement credit for either the $85 TSA PreCheck® application fee or the $100 Global Entry application fee
    • $0 intro annual fee for the first year; $95 after that
    • Free employee cards which also earn unlimited 2X miles from their purchases

     

    Financial Snapshot

    • APR: 25.99% Variable
    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    Capital One Miles

     

     

    Rewards

    • 5x Capital One miles per $1 on hotel and rental cars purchased through Capital One Travel
    • 2x Capital One miles per $1 on all purchases

    Benefits

    Perhaps the biggest benefit of the Capital One Spark Miles card is that you’re 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/TSA PreCheck credit, extended warranty coverage, and 2 complimentary visits per year to Capital One Lounges.

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

    5. Southwest Rapid Rewards® Performance Business Credit Card

    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 in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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

    Learn More(at Chase's secure site)

    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.
    Earn 80,000 points after you spend $5,000 on purchases in the first 3 months.
    80,000 points
    $1,040
    $199
    Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
    Good to Excellent (670-850)

    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

    • 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
    • 2x points per $1 spent on local transit and commuting, including rideshare services
    • 9,000 bonus points each year after your cardmember anniversary
    • Up to 365 inflight Wi-Fi credits per year
    • 4 Upgraded Boarding certificates per year
    • Earn 1,500 tier qualifying points towards Southwest status for every $10,000 spent on the card
    • Up to a $500 fee credit for points transfers when you use your card to transfer points to another Southwest Rapid Rewards member
    • Employee cards at no additional cost
    • Global Entry/TSA PreCheck/NEXUS credit
    • No foreign transaction fees
    • Lost luggage reimbursement
    • Baggage delay insurance
    • Extended warranty protection
    • Purchase protection

    Cons

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

    • Foreign Transaction Fees: None

    Card Categories

    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 bonus points each year (worth $117 based on our valuations), 4 Upgraded Boarding credits per year, and up to 365 inflight Wi-Fi credits per year.

    Looking to work your way towards Southwest status? You can earn 1,500 tier qualifying points for every $10,000 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

    6. Delta SkyMiles® Reserve Business American Express Card

    LIMITED-TIME OFFER
    Delta SkyMiles® Reserve Business American Express CardTerms 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 in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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

    Learn More(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.
    Limited Time Offer: Earn 100,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Plus, earn an additional 10,000 Bonus Miles after you make an eligible Delta purchase with your new Card within your first 6 months. Offer Ends 10/25/2023.
    Up to 110,000 miles
    $1,320
    $550
    20.99% - 29.99% Variable
    Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
    Good to Excellent (670-850)

    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

    • Save 15% On Award Travel With TakeOff 15. Not applicable to partner-operated flights or to taxes and fees.
    • Complimentary Delta Sky Club access when flying Delta and 2 Delta Sky Club 1-time guest passes (through February 1, 2025)
    • Complimentary Amex Centurion Lounge access when flying Delta
    • Access to complimentary flight upgrades

    Cons

    • High annual fee
    • Does not earn many miles for purchases outside of Delta spend
    • Rewards are not transferable
    • Limited Time Offer: Earn 100,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Plus, earn an additional 10,000 Bonus Miles after you make an eligible Delta purchase with your new Card within your first 6 months. Offer Ends 10/25/2023.
    • Save 15% On Award Travel With TakeOff 15. Card Members now enjoy savings on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
    • With complimentary access into Delta Sky Club®, you can relax before your Delta flight, or find downtime between connections.* You’ll also receive two Delta Sky Club One-Time Guest Passes each year so you can share the experience with others when you’re traveling together. *Effective 2/1/25, Reserve Card Members will receive 10 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
    • When you purchase a Delta flight with your Delta SkyMiles Reserve Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.
    • After you spend $150,000 on your Card in a calendar year, you earn 1.5 miles per dollar (that’s an extra half mile per dollar) on eligible purchases the rest of the year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta instead of 1.5X).
    • Enjoy 3x miles per dollar on Delta purchases.
    • With Status Boost®, earn 15,000 Medallion Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card through 12/31/23, up to four times per year getting you closer to Medallion Status.* MQMs are used to determine Medallion Status and are different from the miles you earn towards flights.*Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more.
    • Terms and limitations apply.

    Financial Snapshot

    • APR: 20.99% - 29.99% Variable
    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    Delta SkyMiles Frequent Flyer Program

    Rewards

    • 3x miles per $1 on purchases made directly with Delta
    • 1.5x miles per $1 after you spend $150,000 on your card in a calendar year
    • 1x mile per $1 on all other purchases

    Benefits

    The Delta Reserve Business card comes loaded up with benefits that frequent Delta flyers will love. For starters, you’ll receive Centurion Lounge and Delta Sky Club access when flying with Delta.

    For those that are working their way towards Delta Medallion status, you can earn 15,000 Medallion Qualification Miles (MQMs) after you spend $30,000 in purchases on your card in a calendar year, up to 4 times per year. Don’t have status just yet? You can still receive complimentary upgrades on Delta flights just for holding the card.

    Cardholders also receive their first checked bag free along with up to 8 traveling companions, Main Cabin 1 priority boarding, and a round-trip companion certificate each year that can be used towards a domestic first class, Delta Comfort+, or Main Cabin ticket.

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

    7. World of Hyatt Business Credit Card

    LIMITED-TIME OFFER
    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 in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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

    Learn More(at Chase's secure site)

    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.
    60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening. Earn an additional 15,000 Bonus Points after you spend $12,000 within the first 6 months of account opening.
    Up to 75,000 points
    $1,125
    $199
    Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
    Good to Excellent (670-850)

    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

    • 9x points per $1 spent total for Hyatt stays and experiences: Earn 4x points at Hyatt hotels, participating Small Luxury Hotels of the World, participating Exhale locations, and eligible Lindblad Expeditions. Plus, 5x points spent just for being a World of Hyatt member.
    • 2x points per $1 spent in your top three spend categories each quarter through 12/31/24, then your top two 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.
    • 1x point per $1 on all other purchases
    • Automatic World of Hyatt Discoverist status
    • Gift World of Hyatt Discoverist status to up to 5 employees
    • Up to $100 annual Hyatt credit — broken up into 2 $50 statement credits
    • Access to the Hyatt Leverage program
    • Earn 5 Elite Night Credits for every $10,000 you spend on the card in a calendar year
    • 10% back on redeemed points after spending $50,000 in a calendar year (with a cap of 20,000 points back per year); this rebate is only valid on stays after spending $50,000 on the card, and any stays prior to meeting that threshold will not be retroactively credited
    • Primary rental car insurance
    • Trip cancellation and interruption insurance
    • Purchase protection and extended warranty protection

    Cons

    • $199 annual fee
    • Bonus categories and benefits are very similar to the personal card
    • 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening. Additionally, earn 15K Bonus Points after you spend $12,000 in the first 6 months.
    • 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 when you use your card at Hyatt hotels & 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 through 12/31/24, then your top two 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

    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    World of Hyatt

    Rewards

    • Up to 9x points per $1 spent at Hyatt hotels – 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
    • 2x points per $1 your top 3 spend categories each quarter through December 31, 2024, then your top 2 categories each quarter from:
      • 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 and 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

    Information regarding the Capital One Spark Miles for Business was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
    For rates and fees of the American Express® Business Gold Card, click here.
    For rates and fees of The Business Platinum Card® from American Express, click here.
    For rates and fees for the Delta SkyMiles® Reserve Business American Express Card, click here.

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