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    The 10 Best Credit Cards for Everyday Purchases in September 2023

    The 10 Best Credit Cards for Everyday Purchases in 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 (Personal Cards)

    Card Summary

    CardWelcome Bonus and Annual FeeBenefits for Everyday Purchases
    Chase Freedom Unlimited®
    • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
    • Annual fee of $0
    • 5% cash-back on travel booked through Ultimate Rewards
    • 3% cash-back on dining and drugstore purchases
    • 1.5% cash-back on all other purchases
    • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
    • Purchase protection and extended warranty
    Capital One Venture Rewards Credit Card (rates and fees)
    • Earn 75,000 miles when you spend $4,000 on purchases in the first 3 months.
    • Annual fee of $95
    • 5x miles on hotels and rental cars booked through Capital One Travel
    • 2x miles on all other purchases
    • Purchase security
    Blue Cash Preferred® Card from American Express
    • Earn a $250 statement credit after spending $3,000 in purchases in the first 6 months.
    • Annual fee of $0 intro annual fee for the first year, then $95 (rates and fees)
    • 6% cash-back at U.S. supermarkets (up to $6,000 per year) and on select streaming services
    • 3% cash-back on U.S. gas stations and transit
    • 1% cash-back on all other purchases
    • Return protection
    Blue Cash Everyday® Card from American Express
    • Earn a $200 statement credit after spending $2,000 in purchases in the first 6 months.
    • Annual fee of $0 (rates and fees)
    • 3% cash-back at U.S. online retailers (up to $6,000 in purchases each year)
    • 3% cash-back at U.S. supermarkets (up to $6,000 in purchases each year)
    • 3% cash-back at U.S. gas stations (up to $6,000 in purchases each year)
    • 1% cash-back on all other purchases

    1. Chase Freedom Unlimited® (Top Pick)

    Chase Freedom Unlimited®

    Chase Freedom Unlimited®

    U.P. Rating
    The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand fees are all taken into account. Compensation from the issuer does not affect our rating.We only recommend products we either use ourselves or endorse.

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

    Learn More(at Chase's secure site)

    Chase Freedom Unlimited®

    This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
    Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back.
    Additional 1.5% cash-back
    $0
    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)

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

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

    Don’t forget too, there’s 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.

    Pros

    • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
    • 5% back on travel purchased through Chase Ultimate Rewards
    • 3% back on dining and drugstore purchases
    • 1.5% back on all other purchases
    • No annual fee
    • Earn big on travel purchased through Chase Ultimate Rewards
    • Everyday bonus on dining and drugstores
    • Straightforward cash-back on all other purchases
    • Ability to pool points

    Cons

    • 3% foreign transaction fee
    • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
    • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
    • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
    • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
    • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
    • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
    • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
    • Member FDIC

    Financial Snapshot

    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    Chase Ultimate Rewards

    The Freedom Unlimited card is our top recommended personal credit card for everyday purchases.

    This credit card earns you at least 1.5% cash-back on all purchases. You will also earn 3% cash-back on dining and drugstore purchases, as well as 5% cash-back on travel purchased through the Chase Ultimate Rewards travel portal.

    By itself, earning 1.5% cash-back is great — however, if you also have an Ultimate Rewards credit card, such as the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, or Ink Business Preferred card, you can convert your cash-back into Ultimate Rewards points.

    That means your 1.5%, 3%, and 5% cash-back would be equivalent to 1.5x, 3x, and 5x Ultimate Rewards points respectively. You would earn a minimum of 3% back on your spending, according to our points and miles valuations!

    Furthermore, this card has no annual fee and comes with a 0% introductory APR period as shown in the table above, which is an awesome perk.

    Other benefits of the Freedom Unlimited card include purchase protection, extended warranty coverage, zero liability protection, secondary auto rental collision damage coverage, travel coverage, fraud protection, and more.

    Why We Like Chase Ultimate Rewards Points

    If you only have the Freedom Unlimited card, your points are redeemable at a 1 cent per point value for cash-back, Shop at Amazon, gift cards, and travel through the Chase travel portal.

    However, with an Ultimate Rewards credit card, such as the Chase Sapphire Preferred card, you can dramatically increase the value of your points.

    That’s because your cash-back is convertible to Ultimate Rewards points at a 1% to 1x ratio. You can transfer your points to numerous airline and hotel partners and then redeem them for incredible travel experiences like business and first class flights.

    2. Capital One Venture Rewards Credit Card

    Capital One Venture Rewards Credit CardTerms Apply / Rates & Fees

    Capital One Venture Rewards Credit Card

    U.P. Rating
    The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand fees are all taken into account. Compensation from the issuer does not affect our rating.We only recommend products we either use ourselves or endorse.

    Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

    Learn More(at Capital One's secure site)

    Capital One Venture Rewards Credit Card

    Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!
    Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.
    75,000 miles
    $1,350
    $95
    21.24% - 29.24% (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 cardapplication.
    Good to Excellent Credit (670-850)

    As a frequent traveler with excellent credit, you’re always on the lookout for a credit card that comes with all the bells and whistles. And the easier it is to understand, the better!

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

    Pros

    • 5x miles per $1 on hotels and rental cars booked through Capital One Travel
    • 2x miles per $1 on all other purchases
    • 2 complimentary visits to a Capital One Lounge or Plaza Premium Lounges each year
    • Global Entry or TSA PreCheck credit
    • No foreign transaction fees
    • Access to Capital One transfer partners

    Cons

    • $95 annual fee
    • Limited elite benefits
    • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
    • Earn unlimited 2X miles on every purchase, every day
    • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
    • Miles won’t expire for the life of the account and there’s no limit to how many you can earn
    • Receive up to a $100 credit for Global Entry or TSA PreCheck®
    • Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through the Partner Lounge Network
    • Use your miles to get reimbursed for any travel purchase – or redeem by booking a trip through Capital One Travel
    • Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
    • Transfer your miles to your choice of 15+ travel loyalty programs

    Financial Snapshot

    • APR: 21.24% - 29.24% (Variable)
    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    Capital One Miles

    The Capital One Venture card is our next favorite card option for everyday purchases.

    In the past, Capital One was more focused on offering cash-back rewards and products for those with lower credit scores, but in recent years, Capital One unveiled a new rewards program, Capital One Miles, with transferable partnerships that have added yet another awesome rewards ecosystem to the mix.

    Today, the Capital One Venture card is our runner-up for the best personal credit card for everyday purchases, and you’ll enjoy earning 5x miles on hotels and rental cars booked through Capital One Travel.

    You’ll also earn an unlimited 2x Capital One miles on all other purchases you make with no caps! In addition, you’ll get a Global Entry or TSA PreCheck application fee credit, as well as no foreign transaction fees and a low annual fee.

    Uniquely, this credit card offers great travel protections and benefits, including lost luggage reinmbursement, roadside dispatch, and travel and emergency assistance services.

    You can also shop with peace of mind with the purchase security. Lastly, you’ll enjoy a fabulous rewards program.

    Why We Like Capital One Miles

    We love Capital One miles because they’re one of the major flexible rewards currencies. You can redeem your Capital One miles for statement credits for travel purchases, experience, gift cards, and more. We value Capital One miles at 1.8 cents each.

    But our favorite way to redeem Capital One miles is to transfer them to airline partners for some awesome flights like Lufthansa first class and Etihad first class.

    3. Blue Cash Preferred® Card from American Express

    Blue Cash Preferred® Card from American ExpressTerms Apply / Rates & Fees

    Blue Cash Preferred® Card from American Express

    U.P. Rating
    The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand fees are all taken into account. Compensation from the issuer does not affect our rating.We only recommend products we either use ourselves or endorse.

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

    Learn More(at Amex's secure site)

    Blue Cash Preferred® Card from American Express

    This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.
    Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
    $250
    $0 intro annual fee for the first year, then $95.
    19.24%-29.99% Variable,0% on purchases for 12 months
    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)

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

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

    Pros

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

    Cons

    • $0 intro annual fee for the first year, then $95 annual fee (rates and fees)
    • Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
    • $0 intro annual fee for the first year, then $95.
    • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
    • Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
    • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
    • 6% Cash Back on select U.S. streaming subscriptions.
    • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
    • 1% Cash Back on other purchases.
    • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit
    • Get up to $120 in statement credits annually when you pay for an Equinox+ membership at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
    • Thinking about getting The Disney Bundle which includes Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $12.99 or more each month on an eligible subscription with your Blue Cash Preferred Card. Enrollment required.
    • Terms Apply.

    Financial Snapshot

    • APR: 19.24%-29.99% Variable,0% on purchases for 12 months
    • Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

    Card Categories

    Rewards Center

    Redeem cash-back through your American Express account

    The Amex Blue Cash Preferred card is yet another excellent choice for those interested in great rewards and who want to maximize cash-back.

    This card earns:

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

    Getting the ability to earn 6% cash-back on any card is an achievement by itself, but this card offers that and much more.

    Hot Tip: Despite being a card with an annual fee, the Amex Blue Cash Preferred card even has a 0% introductory APR perk (rates and fees)!

    In addition to a hefty statement credit welcome bonus, you’ll find that this card also offers several benefits like a $10 monthly Equinox credit, $7 monthly credit after spending $12.99 per month or more on The Disney Bundle, return protection, fraud protection, and secondary car rental coverage.

    4. Blue Cash Everyday® Card from American Express

    Blue Cash Everyday® Card from American ExpressTerms Apply / Rates & Fees

    Blue Cash Everyday® Card from American Express

    U.P. Rating
    The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand fees are all taken into account. Compensation from the issuer does not affect our rating.We only recommend products we either use ourselves or endorse.

    This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!

    Learn More(at Amex's secure site)

    Blue Cash Everyday® Card from American Express

    This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!
    Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
    $200
    $0
    0% intro APR on purchases for 15 months; then 19.24%-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 cardapplication.
    Good to Excellent (670-850)

    When it comes to cash-back credit cards, there are dozens of options to choose from. So what sets the Blue Cash Everyday® Card from American Express apart from the rest?

    This card is excellent at earning cash-back on your everyday purchases at U.S. supermarkets, U.S. gas stations, and on U.S. online retail purchases. So if you regularly spend money on everyday purchases, this could be the perfect card to add to your wallet.

    Pros

    • 3% back on purchases at U.S. supermarkets on up to $6,000 in purchases each year, then 1% back after.
    • 3% back on purchases at U.S. gas stations on up to $6,000 in purchases each year, then 1% back after.
    • 3% back on purchases on online retail purchases on up to $6,000 in purchases each year, then 1% back after.
    • Monthly credit towards The Disney Bundle
    • Monthly credit towards Home Chef

    Cons

    • Rewards are not flexible and can only be redeemed for cash-back. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
    • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
    • No Annual Fee.
    • Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
    • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
    • 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
    • 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%.
    • Get $7 back each month after using your Blue Cash Everyday Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
    • Terms Apply.

    Financial Snapshot

    • APR: 0% intro APR on purchases for 15 months; then 19.24%-29.99% Variable
    • Foreign Transaction Fees: 2.7% of each transaction after conversion to U.S. dollars

    Card Categories

    The Amex Blue Cash Everyday card is unique because it has a special bonus category — online shopping! This card earns 3% cash-back at U.S. online retailers (up to $6,000 in purchases each year). This is a broad category that includes the following types of online stores:

    • Apparel, footwear, and accessories stores
    • Auto and home supply stores
    • Book stores
    • Computer and electronics stores
    • Department stores
    • Drugstores
    • Furniture stores (like Wayfair.com)
    • Major retailers (like Amazon.com)
    • Personal and household care
    • Pet stores (like Chewy.com)
    • Sporting goods stores
    • Toy and hobby stores

    Additionally, this card earns 3% cash-back at U.S. supermarkets (up to $6,000 in purchases each year) and 3% cash-back at U.S. gas stations (up to $6,000 in purchases each year). All other purchases earn 1% cash-back.

    The Amex Blue Cash Everyday card comes with additional perks like:

    • Up to $7 back monthly after using your Amex Blue Cash Everyday card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
    • Earn up to $15 back monthly – an annual savings of up to $180 – when you order online at Home Chef. Enrollment required.

    The 6 Best Business Cards for Everyday Purchases

    Now that we’ve combed through our favorite personal credit cards for everyday purchases, let’s take a deep dive into the best business cards for everyday purchases.

    Card Summary

    CardWelcome BonusBenefits for Everyday Purchases
    The Blue Business® Plus Credit Card from American Express
    • 2x points on everyday purchases (up to $50,000 per calendar year)
    • Purchase protection and extended warranty
    Ink Business Premier℠ Credit Card
    • Earn $1,000 cash-back after you spend $10,000 on purchases in the first 3 months.
    • Annual fee of $195
    • 2.5% cash-back on all purchases of $5,000 or more
    • 2% cash-back on other purchases
    • No preset spending limit
    Ink Business Unlimited® Credit Card
    • NEW OFFER: Earn $900 cash-back after spending $6,000 on purchases in the first 3 months.
    • Annual fee of $0
    • 1.5% cash-back on all purchases
    • 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
    • Purchase protection and extended warranty
    Capital One Spark Miles for Business
    • Earn 50,000 miles once you spend $4,500 on purchases within the first 3 months.
    • Annual fee of $0 intro for the first year, $95 after that
    • 5x miles on hotel and rental car bookings made through Capital One Travel
    • 2x miles on all other purchases
    • Purchase protection and extended warranty
    The American Express Blue Business Cash™ Card
    • 2% cash-back on all eligible purchases (up to $50,000 per calendar year)
    • Purchase protection and extended warranty
    Capital One Spark Cash Plus Card
    • Earn a one-time cash bonus of $1,200 once you spend $30,000 in the first 3 months.
    • Annual fee of $150
    • 2% cash-back on all purchases
    • No preset spending limit
    • Purchase protection and extended warranty

    1. The Blue Business® Plus Credit Card from American Express

    The Blue Business® Plus Credit Card from American ExpressTerms Apply / Rates & Fees

    The Blue Business® Plus Credit Card from American Express

    U.P. Rating
    The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand fees are all taken into account. Compensation from the issuer does not affect our rating.We only recommend products we either use ourselves or endorse.

    Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

    Learn More(at Amex's secure site)

    The Blue Business® Plus Credit Card from American Express

    Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.
    N/A
    N/A
    $0
    $0
    0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APRs will not exceed 29.99%
    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 (670-840)

    As a business owner, getting a credit card that maximizes each dollar you spend does not have to be complicated or expensive. Especially when you opt for The Blue Business® Plus Credit Card from American Express.

    With the Amex Blue Business Plus card, you’ll earn 2x Membership Rewards points on everyday business purchases throughout the year (up to $50,000; 1x thereafter) and receive purchase protections and no-additional-charge employee cards all for no annual fee (see rates and fees).

    The simple and straightforward earning structure makes it a great fit for those looking to earn flexible rewards, without having to fixate on which purchases earn the most points.

    Let’s take look at all that the Amex Blue Business Plus card has to offer.

    Pros

    • 2x Membership Rewards points per $1 on everyday business purchases (up to $50,000; 1x thereafter)
    • Purchase protection and extended warranty protection
    • No annual fee and employee cards at no additional cost

    Cons

    • No unique bonus categories and 2x earnings are capped at $50,000 in annual spend
    • No elite travel benefits like lounge access or elite status
    • Charges foreign transaction fees
    • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% – 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
    • Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
    • You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
    • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
    • No Annual Fee
    • Terms Apply

    Financial Snapshot

    • APR: 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APRs will not exceed 29.99%
    • Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

    Card Categories

    Rewards Center

    American Express Membership Rewards

    The Amex Blue Business Plus card is our favorite business card for everyday purchases. You’ll seamlessly maximize your everyday purchases without having to pay an annual fee.

    Specifically, you’ll earn 2x points on everyday business transactions, up to $50,000 per calendar year. You’ll also be able to utilize an introductory APR, as mentioned in the table above, on purchases. If you max out the 2x points, your earnings will drop to 1x points. With this card, you’ll also enjoy additional employee cards with no additional cost (rates and fees), purchase protection, extended warranty coverage, and access to Membership Rewards.

    2. Ink Business Premier℠ Credit Card

    Ink Business Premier℠ Credit Card

    Ink Business Premier℠ Credit Card

    U.P. Rating
    The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand fees are all taken into account. Compensation from the issuer does not affect our rating.We only recommend products we either use ourselves or endorse.

    Earn up to 5% cash-back for your business without complex bonus earning categories!

    Learn More(at Chase's secure site)

    Ink Business Premier℠ Credit Card

    Earn up to 5% cash-back for your business without complex bonus earning categories!
    Earn $1,000 bonus cash-back after you spend $10,000 on purchases in the first 3 months from account opening.
    $1,000
    $195
    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)

    Chase has introduced the Ink Business Premier℠ Credit Card to its business credit card lineup. With straightforward cash-back earnings on everyday purchases and large expenses, tools to help you monitor your business, and multiple ways to redeem your rewards, this is a great card option to consider.

    Pros

    • Earn 2.5% total cash-back on purchases of $5,000 or more
    • Earn 2% cash-back on all other business purchases
    • Unlimited 5% total cash-back on travel purchased through Chase Ultimate Rewards
    • No foreign transaction fees
    • Trip cancellation and trip interruption insurance
    • No additional cost for employee cards
    • Cell phone protection
    • Primary rental car coverage
    • Purchase protection
    • Extended warranty coverage

    Cons

    • $195 annual fee
    • Some purchases need to be paid in full each month and don’t qualify for Flex for Business APR
    • Rewards cannot be pooled with Chase cards that offer access to transfer partners
    • Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
    • Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
    • Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Ultimate Rewards, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
    • The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
    • For businesses who prefer to pay their balance in full each month, Ink Business Premier gives access to increased spending power, rich rewards, and premium benefits.
    • Pay off eligible purchases over time with interest up to assigned Flex for Business limit. All other purchases must be paid in full each month.
    • Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
    • There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
    • Member FDIC

    Financial Snapshot

    • Foreign Transaction Fees: None

    Card Categories

    One of Chase’s newest cards is the Ink Business Premier card, and it currently has a welcome bonus, plus almost unbeatable cash-back rewards for high-spending businesses.

    Your purchases will earn according to 2 rewards structures:

    • 5% cash-back on travel purchased through Chase Ultimate Rewards
    • 2.5% cash-back on purchases of at least $5,000
    • 2% cash-back on other purchases

    These cash-back rewards cannot be converted to Ultimate Rewards points, so just keep that in mind.

    The Ink Business Premier card is a Pay In Full card that has no preset spending limit but also cannot carry a balance. But even then, some purchases are eligible to be carried over time with interest through the card’s Flex for Business feature.

    You can use your cash-back for statement credits, online shopping, Chase travel purchases, gift cards, and more.

    This card also has fantastic travel insurance, purchase protection, extended warranty, cell phone protection, no foreign transaction fees, and fee-free employee cards.

    3. Ink Business Unlimited® Credit Card

    NEW OFFER
    Ink Business Cash® Credit Card

    Ink Business Cash® Credit Card

    U.P. Rating
    The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand fees are all taken into account. Compensation from the issuer does not affect our rating.We only recommend products we either use ourselves or endorse.

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

    Learn More(at Chase's secure site)

    Ink Business Cash® Credit Card

    The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.
    Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
    $900
    $900
    $0
    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)

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

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

    Don’t forget too, 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter

    Pros

    • 1.5% cash-back on all purchases
    • No annual fee
    • 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
    • Employee cards at no additional cost
    • Earn flexible rewards

    Cons

    • 3% foreign transaction fee
    • Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
    • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
    • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back 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.
    • No Annual Fee
    • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
    • 0% introductory APR for 12 months on purchases
    • Member FDIC

    Financial Snapshot

    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    The Ink Business Unlimited card is our runner-up business credit card because it will earn you simple rewards with no bonus categories.

    Similar to the Freedom Unlimited card mentioned above, earn 1.5% cash-back on all your purchases with no caps.

    In addition, you’ll get a 0% introductory APR as detailed in the table above, which should help you with avoiding interest fees during the intro period.

    This card has no annual fee and allows you to add unlimited employee cards with no fees. Also, you’ll get zero liability fraud protection, purchase protection, extended warranty coverage, primary rental car coverage, and other benefits!

    Remember, if you have an Ultimate Rewards card like the Ink Business Preferred card, you can convert your 1.5% cash-back to 1.5x Ultimate Rewards points, effectively doubling the value of your rewards.

    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 industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand 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
    26.24% (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 cardapplication.
    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: 26.24% (Variable)
    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    Capital One Miles

     

     

    Our next business credit card is an excellent choice for everyday purchases. Specifically, the Capital One Spark Miles card is great for business owners looking to earn unlimited 2x Capital One miles on every purchase with no blackouts or seat restrictions and no minimum to redeem.

    You’ll also enjoy 5x miles on hotel and rental car bookings through Capital One Travel, in addition to your 2x miles elsewhere.

    This card offers a Global Entry or TSA PreCheck application fee credit, no additional-cost employee cards, no foreign transaction fees, roadside assistance, purchase security, and much more.

    5. The American Express Blue Business Cash™ Card

    The American Express Blue Business Cash™ CardTerms Apply / Rates & Fees

    The American Express Blue Business Cash™ Card

    U.P. Rating
    The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand 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.

    Take control of your cash-back with the Amex Blue Business Cash card, and earn 2% cash-back on up to $50,000 in purchases each year.

    Learn More(at Amex's secure site)

    The American Express Blue Business Cash™ Card

    Take control of your cash-back with the Amex Blue Business Cash card, and earn 2% cash-back on up to $50,000 in purchases each year.
    N/A
    N/A
    $0
    0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
    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)

    Looking for a way to keep tabs on your office supply costs and business travel expenses while earning cash-back? Then The American Express Blue Business Cash™ Card could be a good fit.

    This card offers expense management solutions that are designed to give companies more control, along with a much clearer picture of their business spending. In doing so, the more you spend, the more cash-back you can earn.

    Pros

    • 2% cash-back on up to $50,000 in spend, then 1% back thereafter
    • No annual fee
    • Travel and purchase protection

    Cons

    • Not ideal for those who spend a lot on a specific category like groceries or gas
    • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% – 26.49% Variable, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
    • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
    • From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
    • Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
    • No Annual Fee
    • Terms Apply

    Financial Snapshot

    • APR: 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
    • Foreign Transaction Fees: 2.7% of each transaction after conversion to U.S. dollars

    Card Categories

    The Amex Blue Business Cash card earns great cash-back rewards without needing to worry about bonus categories. If you’re looking for an organized way to manage business expenses while earning cash-back rewards, this card is an excellent choice.

    Earn 2% cash-back on all eligible purchases on up to $50,000 per calendar year, then 1% thereafter. Also, any cash-back earned is automatically credited to your statement so you don’t have to worry about redeeming your rewards — they’re redeemed automatically for you!

    This card also comes with a 0% introductory APR (rates and fees), as detailed in the table above, to help you grow your business and defer interest accrual.

    Other worthwhile benefits include purchase protection and extended warranty coverage.

    6. Capital One Spark Cash Plus Card

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

    The Capital One Spark Cash Plus card offers an unlimited 2% cash-back on all purchases and helpful features for business owners. (Information collected independently. Not reviewed by Capital One.)

    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. (Information collected independently. Not reviewed by Capital One.)
    Earn a one-time cash bonus of $1,200 once you spend $30,000 in the first 3 months.
    $1,200
    $150
    N/A
    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)

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

    Pros

    • Unlimited 2% cash-back on all purchases
    • 5% cash-back on hotels and rental cars purchased through Capital One Travel
    • No preset spending limit
    • Get your $150 annual fee refunded every year you spend at least $150,000
    • Complimentary employee cards
    • No foreign transaction fees
    • Extended warranty coverage
    • Payment flexibility (pick your own due date)

    Cons

    • $150 annual fee
    • Earn a one-time cash bonus of $1,200 once you spend $30,000 in the first 3 months
    • Earn unlimited 2% cash back on every purchase, everywhere – with no limits or category restrictions
    • Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
    • Get your $150 annual fee refunded every year you spend at least $150,000 or more
    • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
    • Add employee cards for free, and earn unlimited 2% cash back from their purchases
    • $150 annual fee
    • Spark Cash Plus has no APR because your balance is due in full every month

    Financial Snapshot

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

    Card Categories

    The Capital One Spark Cash Plus card is the last business credit card for everyday purchases that we’ll review — and it’s one worth considering because you can earn an unlimited 2% cash-back on all purchases.

    You’ll also get no additional cost employee cards, roadside assistance, no foreign transaction fees, purchase assurance, and lost or damage luggage reimbursement.

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

    Enrollment required through Capital One website or mobile app. Upon enrollment, eligible cardholders will remain at upgraded status level through December 31, 2024.  Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier.  Additional terms apply.

    For the return protection benefit of the Blue Cash Preferred® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. For the car rental collision damage coverage benefit of the Blue Cash Preferred® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car rental loss or damage coverage is offered through American Express Travel Related Services Company, Inc.

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

    The information regarding the Capital One Spark Cash Plus Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
    The information for the Citi Prestige® Card has been collected independently by Upgraded Points and not provided nor reviewed by the issuer.

    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 Blue Cash Preferred® Card from American Express, click here.
    For rates and fees of the Blue Cash Everyday® from American Express, click here.
    For rates and fees of The Business Platinum Card® from American Express, click here.
    For rates and fees of The American Express Blue Business Cash™ Card, click here.

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