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Southwest® Rapid Rewards® Performance Business Credit Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Get 80,000 Bonus Rapid Rewards points when you spend $5,000 in your first 3 months.
Bonus points for spend in the following bonus categories:
Applies only to Southwest Airlines booked directly with Southwest; Otherwise earn 1X
- Four Upgraded Boardings each card membership year
- Generous spending rewards categories
- 9,000 bonus points on every cardmember anniversary
Pros
- Four Upgraded Boardings each card membership year
- Generous spending rewards categories
- 9,000 bonus points on every cardmember anniversary
Cons
- The high annual fee will be hard to justify for infrequent travelers
- Rapid Rewards points only provide a good value for Southwest flights
When used on Wanna Get Away fares, 1.3 cents is the approximate value you get. On certain international routeswith high taxes, however, you may be able to yield close to 2 cents. Those are the exceptions to the rule, though, so I peg the value at 1.4 cents.
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
World of Hyatt Credit Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
35,000 bonus World of Hyatt points when you spend $3,000 within 3 months. Then get an additional 1 bonus point per dollar on your first $15,000 in spend in categories that don’t otherwise earn bonus points within 6 months.
Bonus points for spend in the following bonus categories:
At Hyatt family hotels booked directly with Hyatt only; Otherwise earn 1X
- Complimentary hotel night certificate on each cardmember anniversary.
- Automatic Hyatt Discoverist elite status just for holding the card.
- Earn additional qualifying night credits toward higher Hyatt elite status.
Pros
- Complimentary World of Hyatt Discoverist status, plus earn qualifying elite night credits toward higher elite status.
- One free Category 1-4 award night each cardmember anniversary plus earn an extra free night by spending $15,000 in a calendar year.
- Earn bonus points in a wide range of spending categories.
Cons
- Lacks any killer bonus categories aside from on Hyatt stays.
- It may be better to earn Chase Ultimate Rewards instead and then transfer points to World of Hyatt, while keeping some flexibility.
Hyatt award rates range from 3,500 to 45,000 points per night at their regular hotels and resorts. At all-inclusive resorts and Miraval, the prices can reach as high as 58,000 points per night, Almost without fail, during even remotely peak times, we can find roughly 2 cents per point in value. You can even book Suites for incrementally more points (Premium Suite costs twice as much as a room, for example). I tend to find these are one of the best ways to spend Chase Ultimate Rewards points which transfer 1:1. They are the only major hotel program in the US with fixed award charts making it a great program to be able to set goals for your redemptions..
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
World of Hyatt Business Credit Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Earn 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening
Bonus points for spend in the following bonus categories:
Only at Hyatt family hotels booked directly. 1X on other hotels.
Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.
Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.
Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.
Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.
Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.
Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.
Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.
Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.
Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.
- Earn elite night credits from eligible spend
- Gives you automatic World of Hyatt Discoverist status
- Has a wide range of card benefits, including primary car rental CDW
Pros
- Earn elite night credits from eligible spend
- Grants you automatic World of Hyatt Discoverist status
- Has a wide range of travel and shopping benefits
Cons
- Somewhat high annual fee
- No bonus categories earn more than 2X Hyatt points
- The Discoverist status is the lowest of the Hyatt elite tiers
Hyatt award rates range from 3,500 to 45,000 points per night at their regular hotels and resorts. At all-inclusive resorts and Miraval, the prices can reach as high as 58,000 points per night, Almost without fail, during even remotely peak times, we can find roughly 2 cents per point in value. You can even book Suites for incrementally more points (Premium Suite costs twice as much as a room, for example). I tend to find these are one of the best ways to spend Chase Ultimate Rewards points which transfer 1:1. They are the only major hotel program in the US with fixed award charts making it a great program to be able to set goals for your redemptions..
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Chase Ink Business Premier℠ Credit Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Earn $1,000 bonus cash back after you spend $10,000 on purchases in your first 3 months from account opening.
Bonus points for spend in the following bonus categories:
Only applies to bookings made in the Chase Ultimate Rewards portal. Otherwise, you'll earn the default rate (2% - 2.5%) for everyday spend on this card.
Only applies to bookings made in the Chase Ultimate Rewards portal. Otherwise, you'll earn the default rate (2% - 2.5%) for everyday spend on this card.
Only applies to bookings made in the Chase Ultimate Rewards portal. Otherwise, you'll earn the default rate (2% - 2.5%) for everyday spend on this card.
Only applies to bookings made in the Chase Ultimate Rewards portal. Otherwise, you'll earn the default rate (2% - 2.5%) for everyday spend on this card.
- Charge card allows for high spending limits to fit your business needs
- 2.5% Cash Back on purchases over $5,000 is a stellar rebate on spend
- Earns Cash Back rather than transferable points.
Pros
- There is no other charge card on the market that offers 2.5% on charges over $5,000 with no monthly or annual limit.
- A flexible spending limit makes it a great choice for heavy spenders; rare on a small business card.
- Primary car rental Collision Damage Waiver (CDW) can be a huge benefit when on the road. This means your personal insurance won't have to get involved for damage to your rental car. (Note that it does not provide liability insurance or coverage for any other car you may be in a collision with.)
Cons
- The Chase Ultimate Rewards points earned with the Ink Business Premier are pure cash back with no option to transfer the points to other Chase small business credit cards (Ink) or Chase Sapphire cards or to airline and hotel transfer partners. This differs from all other Chase Ink credit cards.
- Relatively high annual fee.
- Lack of travel benefits like a Global Entry application fee credit, though you likely have that on another credit card.
When a card earns cash back, it has a value in our calculator of $0.01, just as you'd expect! 😉
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Chase Ink Business Preferred® Credit Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Get 100,000 Ultimate Rewards points as a bonus when you spend $8,000 in your first 3 months.
FlyingBlue rates are variable, so run a search before transferring. The best way to book Virgin Atlantic Upper Class from the US to Europe and beyond.
Bonus points for spend in the following bonus categories:
3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.
3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.
3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.
3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.
3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.
3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.
3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.
3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.
3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.
- Earns fully transferable Chase Ultimate Rewards points
- 3X points per dollar on travel and online advertising on social media sites up to $150,000 a year can mean huge points earnings. Limit is per account anniversary year
- Primary Car Rental CDW, trip delay and cancellation insurance, and cell phone protection
Pros
- 3X points per dollar for combined purchases travel, advertising on social media sites, phone services and more - up to $150,000 per account anniversary year can mean huge points earnings
- Earns fully transferable Chase Ultimate Rewards points
- Travel protections, primary car rental CDW, and cell phone protections
Cons
- $95 annual fee
- The 3X bonus categories have a cap of $150,000 on combined purchases, then the earn rate drops to 1X. It also earns 1 point per dollar on other eligible purchases.
- No 0% intro APR offers
The Sapphire Reserve, Sapphire Preferred, and Ink Preferred all have the ability to transfer to airline and hotel partners. We use an average value that you can expect to get by utilizing your points for these transfer partners. If you do not have at least one of these cards, Ultimate Rewards are worth exactly 1 cent per point. Also keep in mind that when you redeem your points, you can elect to book travel through the Ultimate Rewards portal where the Sapphire Preferred and Ink Preferred have a point value of 1.25 cents per point and the Sapphire Reserve has points worth 1.5 cents each. You can move points freely between your Ultimate Rewards cards, i.e. from a Chase Freedom Unlimited to a Chase Sapphire Reserve. You can also read our Guide to Chase Ultimate Rewards points.
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
United Club℠ Infinite Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Earn 80,000 United MileagePlus Miles after you spend $5,000 on qualifying purchases in the first three months of opening an account. Offer ends January 24, 2024.
Bonus points for spend in the following bonus categories:
- United Club membership for less than the cost of buying United Club membership, covering the annual fee and then some!
- An absolute ton of benefits, from Premier Access treatment to top tier Avis elite status and IHG Platinum status, and Primary CDW.
- Great shopping protections, including Return Protection on top of Extended Warranty and Purchase Protection.
Pros
- Get United Club membership for less than the cost of buying United Club membership, covering the annual fee cost and then some!
- A ton of shopping protections, from Return Protection to Extended Warranty and Purchase Protection.
- Tons of additional benefits, from Premier Access treatment to top tier Avis elite status and IHG Platinum status, and Primary CDW.
Cons
- High annual fee
- Airport lounge access is limited to United Clubs and does not include any other lounges
- Miles earned are limited to use in the United MileagePlus program
They have a similar network to AA in terms of reach via the Star Alliance and also (unlike Delta) allow for booking First Class international awards in the Star Alliance network, but they charge noticeably more for Partner Awards and the rates keep (stealthily) rising. United partner Lufthansa tends to have good availability to Europe making it somewhat easier to use to Europe than American, which relies heavily on British Airways and BA charges incredibly steep surcharges on those awards.
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
United℠ Business Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, $0 introductory annual fee for the first year, then $99.
Bonus points for spend in the following bonus categories:
- Earn up to 2x United miles on select bonus categories and PQPs to help you qualify for the next level of Premier elite status
- Free first checked bag benefit, worth $70 for every round-trip United Airlines flight you take
- Elevate your United flights with two annual United Club certificates, 25% savings on inflight purchases, and priority boarding for you and your companions on the same booking
Pros
- United travel perks, such as your first checked bag free, priority boarding privileges, two annual United Club passes and more
- Earn PQPs towards elite status
- Great travel and purchase protections that can help your business save when things don't go as planned
Cons
- The annual fee is $99 after the first year
- Only provides two United Club passes per year
- Subpar earning rate, as you can only earn up to 2x bonus miles on eligible categories
They have a similar network to AA in terms of reach via the Star Alliance and also (unlike Delta) allow for booking First Class international awards in the Star Alliance network, but they charge noticeably more for Partner Awards and the rates keep (stealthily) rising. United partner Lufthansa tends to have good availability to Europe making it somewhat easier to use to Europe than American, which relies heavily on British Airways and BA charges incredibly steep surcharges on those awards.
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Aer Lingus Visa Signature Credit Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Limited time offer! Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening. 5x Avios on up to $10k in gas, grocery stores, and dining purchases for first 12 months!
Bonus points for spend in the following bonus categories:
- Earn 3x Avios on British Airways, Iberia, LEVEL, and Aer Lingus flights
- Priority Boarding on flights between the US and Ireland
- Earn a Companion Ticket when you spend $30,000 on the card in a calendar year
Pros
- Priority Boarding on flights between the US and Ireland
- Earn a Companion Ticket when you spend $30,000 on the card in a calendar year
- Earn 3x Avios on British Airways, Iberia, LEVEL, and Aer Lingus flights
Cons
- No included benefits for trip delays or cancellations
- It may be better to earn a transferable bank point than Avios, especially since most transfer to Avios
- Limited bonus categories; then 1X Avios on other purchases
Similar to British Airways Avios though with a few sweetspots from the eastern half of the US to Ireland. You are able to freely transfer between British Airways Avios and Aer Lingus Avios. Qatar Airways and Iberia are also under the Avios ecosystem.
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
British Airways Visa Signature Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Limited time offer! Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening. 5x Avios on up to $10k in gas, grocery stores, and dining purchases in your first year!
Bonus points for spend in the following bonus categories:
- Earn 3x Avios on British Airways, Iberia, LEVEL, and Aer Lingus flights
- Earn a Travel Together ticket with $30,000 in spend (or half off an Avios redemption for one)
- Get 10% off all British Airways tickets and up to a $600 statement credit on Reward Flight bookings
Pros
- Get 10% off all British Airways tickets and up to a $600 statement credit on Reward Flight bookings
- Earn 3x Avios on British Airways, Iberia, LEVEL, and Aer Lingus flights
- Earn a Travel Together ticket with $30,000 in spend (or half off an Avios redemption for one)
Cons
- No included benefits for trip delays or cancellations
- It may be better to earn a transferable bank point than Avios
- Limited bonus categories; then 1X Avios on other purchases
British Airways points are best used for short haul flights on Oneworld partners. What keeps these from being worth more are the high redemption costs and surcharges for long haul flights in premium cabins. When you book a US domestic award on AA metal with Avios, you can also cancel and lose only the $5.60 per segment in taxes as the penalty. They can now also be combined into Qatar's frequent flyer program where you can book their business class QSuites at reasonable rates.
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Iberia Visa Signature® Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Limited time offer! Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening. Plus, 5x on up to $10k in gas, grocery stores, and dining purchases for first 12 months!
Bonus points for spend in the following bonus categories:
- Earn 3x Avios on Iberia, British Airways, LEVEL, and Aer Lingus flights
- $1,000 Airfare Discount Voucher each calendar year when you spend $30,000 in a calendar year (see terms)
- Get 10% off all Iberia tickets
Pros
- Get 10% off all Iberia tickets
- Earn 3x Avios on Iberia, British Airways, LEVEL, and Aer Lingus flights
- $1,000 Airfare Discount Voucher each calendar year when you spend $30,000 in a calendar year (see terms)
Cons
- No included benefits for trip delays or cancellations
- It may be better to earn transferable bank points than Avios
- Limited bonus categories; then 1X Avios on other purchases
Iberia's Avios are very similar to British Airways, with a few differences. You can redeem them for extremely cheap business class flights from the East Coast USA to Madrid (whereas this rate does not exist with other Avios partners). You can transfer from other Avios programs to Iberia as long as your Iberia account has been open for three or more months and you must have earned Avios directly in their program first (from a flight or from a credit card points transfer, for example). For this reason, it's good to create an Iberia Avios account even if you don't see an immediate need.
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.