The 9 Best Credit Cards for Home Improvement Purchases [May 2025]
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Best Cards (Top Picks)
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Card | Welcome Bonus and Annual Fee | Home Improvement Benefits |
Capital One Venture X Rewards Credit Card  |
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Capital One Venture Rewards Credit Card  |
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| Chase Freedom Unlimited® |
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| The Platinum Card® from American Express |
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| Blue Cash Everyday® Card from American Express |
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1. Capital One Venture X Rewards Credit Card (Top Pick)
Terms Apply / Rates & Fees
U.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.
The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
$1,350
$395
Purchases: 19.99% - 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.
Why We Like This Card
The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.
Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.
Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.
Pros & Cons
Pros
- 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
- 5x miles per $1 on flights and vacation rentals purchased through Capital One Travel
- 2x miles per $1 on all other purchases
Cons
- $395 annual fee (rates & fees)
- Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status
Card Highlights
- Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
- Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
- Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
- Earn unlimited 2X miles on all other purchases
- Enjoy complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and the Partner Lounge Network
- Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
Financial Snapshot
- APR: Purchases: 19.99% - 29.24% (Variable)
- Foreign Transaction Fees: None
Rewards Center
The Capital One Venture X card is our top pick for those looking to use a personal credit card for home improvement purchases.
We love the Capital One Venture X card because of its amazing rewards. Specifically, you’ll earn an unlimited 2x miles on all non-bonus purchases including home improvement purchases.
This credit card comes with attractive purchase protection and extended warranty benefits, as well as cell phone protection insurance, and additional cardholders for no fee (rates & fees).
You’ll even earn 10x Capital One miles on all hotels and rental cars booked through Capital One Travel, plus 5x miles on all flights and vacation rentals booked through Capital One Travel.
Its other benefits are incredible, too:
- Up to $300 annual Capital One Travel credit
- 10,000 bonus miles after every account anniversary year
- Access to Capital One Lounges
- Complimentary Priority Pass Select membership
- Hertz President’s Circle Status
- A Global Entry or TSA PreCheck application fee credit
Lastly, this credit card is rounded out with awesome travel insurance and no foreign transaction fees (rates & fees).
2. Capital One Venture Rewards Credit Card (Best for 2x Miles/$1 Spent)
LAST CHANCETerms Apply / Rates & FeesApply Now(at Capital One's secure site)75,000 miles + $250 travel creditGood to Excellent Credit (670-850)
Terms Apply / Rates & FeesU.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!
Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!
Earn 75,000 miles once you spend $4,000 within the first 3 months of account opening, plus receive a one-time $250 Capital One Travel credit in your first cardholder year – that’s equal to $1,000 in travel.
$1,600
$95
Purchases: 19.99% - 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.
Why We Like This Card
The Capital One Venture Rewards Credit Card is one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great welcome offer, high rewards rates, and flexible redemption options.
Frequent travelers with excellent credit may benefit from this credit card that offers a lot of bells and whistles. And it offers easy-to-understand rewards earning and redemption.
Pros & Cons
Pros
- 5x miles per $1 on hotels, vacation rentals, and rental cars booked through Capital One Travel
- 2x miles per $1 on all other purchases
- Up to a $120 Global Entry or TSA PreCheck application fee credit
Cons
- $95 annual fee (rates & fees)
- Limited elite benefits
Card Highlights
- Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000 in travel
- Earn unlimited 2X miles on every purchase, every day
- Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
- Transfer your miles to your choice of 15+ travel loyalty programs
Financial Snapshot
- APR: Purchases: 19.99% - 29.24% (Variable)
- Foreign Transaction Fees: None
Rewards Center
The Capital One Venture card is the slightly-less premium version of the Capital One Venture X card.
This mid-tier, premium credit card still has most of what you’re looking for if you’re spending a lot at home improvement stores.
You’ll still get all of the fantastic 2x miles on all non-bonus purchases, including home improvement purchases, as you would with the Capital One Venture X card.
You’ll even get 5x miles on hotels, vacation rentals, and rental cars through Capital One Travel and a Global Entry or TSA PreCheck application fee credit.
The key difference, though, between the Capital One Venture X card and the Capital One Venture card (besides the annual fee) is that the Capital One Venture card doesn’t have all of the travel benefits that the Capital One Venture X card does.
You’ll still enjoy travel insurance, purchase protection, and extended warranty. This card has no foreign transaction fees (rates & fees).
3. Chase Freedom Unlimited® (Best No Annual Fee, Low Intro APR)
Terms Apply / Rates & FeesU.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
$0
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.
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.
Why We Like This Card
The Chase Freedom Unlimited® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.
When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.
Pros & Cons
Pros
- 5% back on travel purchased through Chase Travel℠
- 3% back on dining and drugstore purchases
- 1.5% back on all other purchases
Cons
- 3% foreign transaction fee
Card Highlights
- Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase TravelSM, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% – 28.49%.
- No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
Financial Snapshot
- APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.
- Foreign Transaction Fees: 3% of each transaction in U.S. dollars
Rewards Center
The Freedom Unlimited card is one of the most attractive cards without an annual fee. This fantastic choice earns very robust rewards that can actually be transferred to travel partners with the right credit card pairing.
But before we get into that, let’s get into the earning structure:
- 5% cash-back on all travel booked through Chase Travel
- 3% cash-back on dining and at drugstores
- 1.5% cash-back on all other purchases
As you can tell, the Freedom Unlimited card boasts a 1.5% cash-back structure with no limits and caps.
This 1.5% cash-back can then be converted to Ultimate Rewards points if you have an eligible card, such as the Chase Sapphire Preferred® Card or the Chase Sapphire Reserve®. In a single move, you’ll double your return on spending to 3% since your 1.5% cash-back is converted to 1.5x points!
Another selling point of this card is its 0% introductory APR (as detailed in the table above) which can help you defer interest accrual as you spread out your payments.
The Freedom Unlimited card comes with benefits such as purchase protection, extended warranty, zero liability fraud protection, fraud alerts, and no additional fees for authorized users.
4. The Platinum Card® from American Express (Best for No Preset Spending Limit* + Card Benefits)
BEST LOUNGE ACCESS
Terms Apply / Rates & FeesU.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.
Apply With Confidence
Know if you're approved with no credit score impact
If you're approved and accept this Card, your credit score may be impacted.
The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.
Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on the Card in your first 6 months of Card Membership.
Up to $1,760
$695
See Pay Over Time APR
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.
Why We Like This Card
When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card® from American Express.
Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.
Pros & Cons
Pros
- The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges (enrollment required), Plaza Premium Lounges, and many more!
- 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
- 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
Cons
- $695 annual fee (rates and fees)
- Airline credit does not cover airfare (only incidentals like checked bags)
Card Highlights
- Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
- Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel® up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel®.
- $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney+ bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
- With American Express Global Lounge Collection® eligible Card Members can enjoy access to over 1,400 airport lounges globally, including The Centurion® Lounge, Unlimited Delta Sky Club® Access when flying an eligible Delta flight, Escape Lounges, Lufthansa Lounges when flying Lufthansa Group, Plaza Premium, Priority Pass™ Select Lounges, & Additional Global Lounge Collection Partner Lounges subject to visit limitations. Lounges may have their own rules, like additional access rules and guest fees, and for Priority Pass Select, you need to enroll and there are unlimited airport lounge visits for Card Members. With Delta Sky Club Access, Card Members will receive 10 Visits to the Delta Sky Club to be used from February 1 until January 31 of the next calendar year and can unlock Unlimited Delta Sky Club Access by spending $75,000 in eligible purchases on their Card in a calendar year. To find a lounge, visit the membership section in the American Express® App or visit http://www.americanexpress.com/findalounge#/loungefinder.
- A Walmart+ membership can get you free shipping with no order minimum on eligible items shipped by Walmart. Use your Platinum Card® to pay for a monthly Walmart+ membership (subject to auto-renewal) and receive one statement credit for up to $12.95 (plus applicable taxes. Plus Ups not eligible) each month. Free Shipping excludes most Marketplace items, freight & certain location surcharges. Paramount+ Essential plan only, separate registration required.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to your Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
- $200 Uber Cash: Platinum Card® Members can ride or dine in style with $15 in Uber Cash each month, plus a bonus $20 in December after adding their Card to their Uber account. Use your Uber Cash on rides and orders in the U.S. when you select an Amex Card for your transaction.
- $199 CLEAR® Plus Credit: CLEAR® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. Use the dedicated CLEAR Lane to confirm your identity without taking out your passport or ID – this can mean shorter lines, less waiting. Receive up to $199 in statement credits per calendar year after you pay for your CLEAR Plus Membership (subject to auto-renewal) with the Platinum Card®.
- Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
- Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
- Use Global Dining Access by Resy to access premium dining experiences. Receive Priority Notify and unlock insider access to some of the world's most sought-after restaurants with Global Dining Access by Resy. Download the Resy iOS app or log into Resy.com and add your Platinum Card® to your Resy profile to take advantage of your special benefits and discover restaurants near you.
- $695 annual fee.¤
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
Financial Snapshot
- APR: See Pay Over Time APR
- Foreign Transaction Fees: None
Rewards Center
Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 175k points with the Amex Platinum. The current public offer is 80,000 points. (This targeted offer was independently researched and may not be available to all applicants.)
The Amex Platinum card is the king of luxury travel cards. Simply put, this iconic product is not only a status symbol but has an array of worthwhile travel benefits.
It falls closer to the bottom of the list because of its reduced earning structure on home improvement purchases.
On your home improvement spending, you’ll earn 1x Membership Rewards points, which is worth a return on spending of 2.2% by our valuations.
But you should consider getting this card for all the other benefits and perks. This card offers one of the biggest welcome bonuses out there — and you can earn 5x points per dollar spent on flights purchased directly with the airline or at AmexTravel.com (up to $500,000 in purchases per calendar year), as well as 5x points on prepaid hotels booked through AmexTravel.com.
This card also comes with no preset spending limit, making it easy to make big purchases as needed.
But the Amex Platinum card is so special because you’ll get:
- The best airport lounge access of any card, including Centurion Lounges, Delta Sky Clubs, and Priority Pass lounges (upon enrollment)
- Complimentary Hilton Honors Gold and Marriott Bonvoy Gold Elite status upon enrollment
- Access to Fine Hotels & Resorts and The Hotel Collection
- Car rental elite status and/or benefits at Avis, Hertz, and National
- Fantastic travel insurance
- Over $1,600 in statement credits, including up to $200 in airline fee credits, up to $200 in prepaid hotel credits, $199 in CLEAR Plus credit, up to $120 Global Entry or TSA PreCheck application fee credit, up to $100 in Saks Fifth Avenue credits, up to $200 in Uber Cash, up to $155 in Walmart+ credits, up to $300 in Equinox credits, and up to $240 in digital entertainment credits
Lastly, this card is rounded out with no foreign transaction fees (see rates & fees).
5. Blue Cash Everyday® Card from American Express (Best for Online Purchases)
Terms Apply / Rates & FeesU.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 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!
Apply With Confidence
Know if you're approved with no credit score impact
If you're approved and accept this Card, your credit score may be impacted.
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.
$0
20.24%-29.24% Variable,0% on purchases for 15 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.
Why We Like This Card
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 & Cons
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.
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.
Card Highlights
- Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- No Annual Fee.
- Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 20.24% to 29.24% 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, then 1%.
- Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
Financial Snapshot
- APR: 20.24%-29.24% Variable,0% on purchases for 15 months
- Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.
Our last choice is a cash back card and it’s a little different because it earns rewards on online purchases. The Amex Blue Cash Everyday card earns 3% cash-back at U.S. online retailers (including home improvement stores) on up to $6,000 in purchases each year.
While Amex’s terms indicate you won’t earn extra rewards on purchases ordered online but paid for in-store, you can earn the 3% cash-back on online purchases that you simply pick up in the store.
Other benefits of this card include:
- 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)
The 4 Best Business Cards for Home Improvement
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Card | Welcome Bonus and Annual Fee | Home Improvement Benefits |
| The Business Platinum Card® from American Express |
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| Ink Business Unlimited® Credit Card |
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| Capital One Spark Miles for Business |
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| Capital One Spark Cash Plus Card |
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1. The Business Platinum Card® from American Express (Top Pick)
LIMITED TIME TRAVEL OFFER
Terms Apply / Rates & FeesApply Now(at Amex's secure site)150,000 points + $500 statement creditGood to Excellent
Terms Apply / Rates & FeesU.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!
This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
Earn 150,000 Membership Rewards® points after you spend $20,000 on eligible purchases on your Business Platinum Card® within the first 3 months of Card Membership. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card® within the first 3 months of Card Membership. You can earn one or both of these offers. Offer ends 6/30/25.
Up to $3,800
$695
18.49% - 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 cardapplication.
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
Card Highlights
- Limited Time Travel Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 on eligible purchases on your Business Platinum Card® within the first 3 months of Card Membership. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card® within the first 3 months of Card Membership. You can earn one or both of these offers. Offer ends 6/30/25.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 10/2024.
- Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- NEW! Make the Business Platinum Card® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
- Earn 5X Membership Rewards® points for flights, prepaid hotels, and short-term rentals and prepaid flight + hotel packages booked at AmexTravel.com. 1X points on other eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- $199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
- $695 Annual Fee.
- Terms Apply.
Financial Snapshot
- APR: 18.49% - 27.49% Variable
- Foreign Transaction Fees: None
Rewards Center
Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 250,000 points with the Amex Business Platinum card. The current public offer is 150,000 points plus a $500 statement credit. (This targeted offer was independently researched and may not be available to all applicants.)
The Amex Business Platinum card is often thought of as a business owner’s best friend. Besides being a partner to help facilitate business activities, this card boasts unprecedented luxury travel and business benefits.
To start, this card boasts an eye-popping welcome bonus. This ought to jumpstart your rewards in the blink of an eye!
The Amex Business Platinum card earns 1.5x Membership Rewards points on eligible purchases in key business categories and on purchases of $5,000 or more everywhere else (up to $2 million in combined purchases every calendar year).
These key business categories include:
- U.S. construction material & hardware suppliers
- U.S. electronic goods retailers
- U.S. software & cloud system providers
- U.S. shipping providers
Also, with no preset spending limit*, the Amex Business Platinum card will make it easier to get large purchases approved as needed.
Remember, you’ll also earn 5x Membership Rewards points on flights, prepaid hotels, and short-term rentals and prepaid flight and hotel packages booked through AmexTravel.com.
Don’t forget about the American Express Global Lounge Collection access, Fine Hotels & Resorts access, and hotel elite status upon enrollment with Marriott Bonvoy (Gold Elite) and Hilton Honors (Gold).
You’ll even get up to $400 in statement credits for U.S. Dell purchases, up to $200 annual airline fee credit, up to $360 annual Indeed credit, up to $150 annual Adobe credit, up to $120 annual wireless phone services credit, up to $120 Global Entry or $85 TSA PreCheck application fee credit, and so much more. Enrollment might be required for some benefits.
The Amex Business Platinum card comes with terrific travel insurance and no foreign transaction fees (rates & fees).
2. Ink Business Unlimited® Credit Card (No Annual Fee, Low Intro APR)
Terms Apply / Rates & FeesU.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.
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 $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
$750
$0
0% intro APR on purchases for 12 months; variable 17.49% - 23.49% thereafter
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.
Why We Like This Card
As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.
If so, the Ink Business Unlimited® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.
Don’t forget too, 0% intro APR on purchases for 12 months; variable 17.49% - 23.49% thereafter
Pros & Cons
Pros
- 1.5% cash-back on all purchases
- No annual fee
- 0% intro APR on purchases for 12 months; variable 17.49% - 23.49% thereafter
Cons
- 3% foreign transaction fee
Card Highlights
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Financial Snapshot
- APR: 0% intro APR on purchases for 12 months; variable 17.49% - 23.49% thereafter
- Foreign Transaction Fees: 3% of each transaction in U.S. dollars
Rewards Center
Our runner-up card is one of Chase’s business credit cards, the Ink Business Unlimited card which is packed with excellent rewards in a small package.
This card starts with a huge welcome bonus to entice you to open the card, but what’ll make you keep the card is the unlimited 1.5% cash-back on all purchases without any caps.
The 1.5% cash-back rewards on this card are convertible to 1.5x Ultimate Rewards points if you have an Ultimate Rewards credit card, such as the Chase Sapphire Preferred card, Chase Sapphire Reserve card, or the Ink Business Preferred® Credit Card. By converting your cash-back to points, your return on spending jumps to 3%!
Hot Tip: To round out the perks on the Ink Business Unlimited card, you’ll find no-fee employee cards, primary rental car coverage, purchase protection, extended warranty, and zero liability fraud protection.
3. 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.
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.
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.
$900
$0 intro for the first year, $95 after that
25.24% (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.
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
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
A fan favorite amongst business owners, the Capital One Spark Miles card has excellent rewards you can take advantage of on your home improvement purchases.
To get your relationship rolling, you’ll earn an awesome welcome bonus, then enjoy 2x Capital One miles on all your business purchases without any caps. That’s equal to a return on spending of 3.6% by our valuations!
You’ll also earn 5x miles on hotel, vacation rentals, and rental car bookings made through Capital One’s travel booking site.
The Capital One Spark Miles card comes with up to $120 credit for Global Entry or TSA PreCheck application fees, no foreign transaction fees, no-fee employee cards, extended warranty, and purchase protection.
4. 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.
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.
$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.
$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.
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
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
The very last credit card we’ll be discussing in this guide is the Capital One Spark Cash Plus card.
And it has a simple value proposition — get an unlimited 2% cash-back on all your purchases. Plus, there’s a great welcome bonus!
The difference is that this card has no preset spending limit, unlike Capital One’s other cards.
You’ll also get your $150 annual fee refunded every year you spend at least $150,000.
This card offers no-fee employee cards, purchase protection, extended warranty, and no foreign transaction fees.
Hot Tip: The cash-back rewards earned on the Capital One Spark Cash Plus card can actually be converted at a 1% to 1x ratio to Capital One miles if you have a Capital One miles credit card such as the Capital One Venture X card, Capital One Venture card, or Capital One Spark Miles card.
*No Preset Spending Limit on an American Express card means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at that status level through the duration of the offer. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply.