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    The 9 Best Credit Cards for Home Improvement Purchases [July 2024]

    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.

    Best Cards (Top Picks)

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    Card

    Welcome Bonus and Annual Fee

    Home Improvement Benefits

    Capital One Venture X Rewards Credit Card 

    Capital One Venture X Rewards Credit Card

    • Earn 75,000 miles when you spend $4,000 on purchases in the first 3 months.
    • Annual fee of $395 (rates & fees)
    • Unlimited 2x miles on non-bonus purchases, which include home improvement purchases
    • Luxury travel benefits, including complimentary access to the Capital One Partner Lounge Network
    Capital One Venture Rewards Credit Card

    Capital One Venture Rewards Credit Card

    • LIMITED TIME OFFER: Enjoy $250 to use on Capital One Travel in your first year, plus earn 75,000 bonus miles after spending $4,000 on purchases within the first 3 months.
    • Annual fee of $95 (rates & fees)
    • Unlimited 2x miles on non-bonus purchases, which include home improvement purchases
    Chase Freedom Unlimited®

    Chase Freedom Unlimited®

    • Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back.
    • Annual fee of $0
    • 1.5% cash-back on non-bonus purchases, which include home improvement purchases
    • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
    The Platinum Card® from American Express

    The Platinum Card® from American Express

    • Earn 80,000 points after spending $8,000 on purchases in the first 6 months.
    • Annual fee of $695 (rates & fees)
    • 1x points on all non-bonus purchases, including home improvement purchases
    • No preset spending limit*
    • Access to over 1,400 worldwide lounges
    Blue Cash Everyday® Card from American Express

    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 & fees)
    • 3% cash-back at U.S. online retailers (including home improvement stores), up to $6,000 in purchases each year

     

    1. Capital One Venture X Rewards Credit Card (Top Pick)

    Capital One Venture X Rewards Credit CardTerms Apply / Rates & Fees
    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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

    Learn More(at Capital One's secure site)
    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.
    75,000 miles
    $1,350
    $395
    19.99% - 29.99% (Variable)
    Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
    Excellent (740-840)

    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
    • 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
    • 5x miles per $1 on flights 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
    • 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 booked through Capital One Travel
    • Earn unlimited 2X miles on all other purchases
    • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges 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
    • Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
    • Receive up to a $100 credit for Global Entry or TSA PreCheck®
    Financial Snapshot
    • APR: 19.99% - 29.99% (Variable)
    • Foreign Transaction Fees: None
    Rewards Center

    Capital One Miles

     

    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 4 no-fee authorized users (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 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 and Plaza Premium 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)

    LIMITED TIME OFFER
    Capital One Venture Rewards Credit CardTerms Apply / Rates & Fees
    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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

    Learn More(at Capital One's secure site)
    Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!
    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.
    $250 Capital One Travel Credit + 75,000 miles
    $1,600
    $95
    19.99% - 29.99% (Variable)
    Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
    Good to Excellent Credit (670-850)

    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
    • 5x miles per $1 on hotels and rental cars booked through Capital One Travel
    • 2x miles per $1 on all other purchases
    • Global Entry or TSA PreCheck application fee credit
    Cons
    • 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 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®
    • 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: 19.99% - 29.99% (Variable)
    • Foreign Transaction Fees: None
    Rewards Center

    Capital One Miles

    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 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 or added fees for authorized users (rates & fees).

    3. Chase Freedom Unlimited® (Best No Annual Fee, Low Intro APR)

    UP TO $300 BACK
    Chase Freedom Unlimited®
    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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

    Learn More(at Chase's secure site)
    This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
    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!
    Up to $300 cash back
    $0
    0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
    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.

    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 Travel℠
    • 3% back on dining and drugstore purchases
    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 Travel℠, 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 travel purchased through Chase Travel℠, 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, alerts, and more.
    • Member FDIC
    Financial Snapshot
    • APR: 0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
    • Foreign Transaction Fees: 3% of each transaction in U.S. dollars
    Rewards Center

    Chase Ultimate Rewards

    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
    The Platinum Card® from American ExpressTerms Apply / Rates & Fees
    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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

    Learn More(at Amex's secure site)

    Apply With Confidence

    Know if you're approved with no credit score impact

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

    The 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.
    80,000 points
    $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.
    Good to Excellent (670-850)

    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
    • 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, 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)
    • 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. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
    • 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 with American Express Travel when you pay with 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.
    • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
    • $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
    • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
    • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
    • $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
    • Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
    • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
    • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
    • $695 annual fee.
    • Terms Apply.
    Financial Snapshot
    • APR: See Pay Over Time APR
    • Foreign Transaction Fees: None
    Rewards Center

    American Express Membership Rewards

    Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 125k (or 150k) 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 Amex Travel (up to $500,000 in purchases per calendar year), as well as 5x points on prepaid hotels booked through Amex Travel.

    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, $189 in CLEAR Plus credit, up to $100 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)

    Blue Cash Everyday® Card from American ExpressTerms Apply / Rates & Fees
    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

    This 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)

    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.
    $200
    $0
    19.24%-29.99% 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.
    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.
    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, 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.
    • Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
    • Terms Apply.
    Financial Snapshot
    • APR: 19.24%-29.99% 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

    SCROLL FOR MORE
    CardWelcome Bonus and Annual FeeHome Improvement Benefits
    The Business Platinum Card® from American Express

    The Business Platinum Card® from American Express

    • ELEVATED OFFER: Earn 150,000 points after spending $20,000 in eligible purchases within the first 3 months.
    • Annual fee of $695 (rates & fees)
    • Earn 1.5x points at U.S. construction material and hardware suppliers, electronic goods retailers, software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else (up to $2 million of these purchases every calendar year)
    • No preset spending limit*
    • Incredible luxury travel benefits, such as the best airport lounge access available and hotel elite status
    Ink Business Unlimited® Credit Card

    Ink Business Unlimited® Credit Card

    • Earn $750 cash back after spending $6,000 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
    Capital One Spark Miles for Business

    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
    • 2x miles on all purchases
    Capital One Spark Cash Plus Card

    Capital One Spark Cash Plus Card

    • Earn $1,200 cash back once you spend $30,000 in the first 3 months.
    • Annual fee of $150
    • Unlimited 2% cash-back on all purchases
    • No preset spending limit

    1. The Business Platinum Card® from American Express (Top Pick)

    ELEVATED OFFER
    The Business Platinum Card® from American ExpressTerms Apply / Rates & Fees
    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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

    Learn More(at Amex's secure site)
    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 in eligible purchases on the Card within the first 3 months of Card Membership.
    150,000 points
    $3,300
    $695
    19.49% - 28.49% 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.
    Good to Excellent (670-850)

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

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

    Pros
    • 5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
    • Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
    • Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (cap applies)
    Cons
    • High annual fee of $695 (rates & fees)
    • Airline fee credit does not cover airfare, only incidentals like checked bags
    • Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
    • 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
    • Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
    • Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
    • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
    • $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
    • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
    • $695 Annual Fee.
    • Terms Apply.
    Financial Snapshot
    • APR: 19.49% - 28.49% Variable
    • Foreign Transaction Fees: None
    Rewards Center

    American Express Membership Rewards

    Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 150,000 points. (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 and prepaid hotels booked through Amex Travel.

    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, Global Entry or TSA PreCheck application fee credit, and so much more.

    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)

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

    The Ink Business 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)
    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
    $750
    $0
    0% intro APR on purchases for 12 months; variable 18.49% - 24.49% 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.
    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
    Cons
      • 3% foreign transaction fee
    • 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 18.49% - 24.49% 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

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

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

    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
    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
    • Skip the lines with up to a $100 statement credit on TSA PreCheck® or Global Entry
    • $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
    Rewards Center

    Capital One Miles

     

    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 and rental car bookings made through Capital One Travel.

    The Capital One Spark Miles card comes with up to $100 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

    Capital One Spark Cash Plus CardTerms Apply / Rates & Fees
    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

    The Capital One Spark Cash Plus card offers an unlimited 2% cash-back on all purchases and helpful features for business owners.

    The Capital One Spark Cash Plus card offers an unlimited 2% cash-back on all purchases and helpful features for business owners.
    Earn $1,200 cash back 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 information regarding the Capital One Spark Cash Plus Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.


    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 (rates & fees).

    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
    Cons
    • 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
    • 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

    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.

    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 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.

    The information regarding the Capital One Spark Cash Plus Card was independently collected 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 Platinum Card® from American Express, click here.
    For rates and fees of the Blue Cash Everyday® from American Express, click here.

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