The Business Platinum® Card from American Express OPEN

The Business Platinum® Card from American Express OPEN

A great option for business owners who frequently find themselves in airports. Not much in the way of employee benefits, however.
Editor's Rating: 4.5

Editor's Rating

4.5

Credit Cards
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Contents

The Business Platinum® Card from American Express OPEN can be a good way of saving money on things like airport lounge access, or in-flight internet access. If you’re interested in pure savings on things you charge to your small business credit card, other options such as the SimplyCash® Plus Business Credit Card from American Express are the better choice – it provides higher returns, with no annual fee.

Good For… Bad For..
  • Luxury travel benefits
  • Businessmen who are frequently up in the air
  • Businesses that want solid savings on purchases
  • Small businesses whose employees do not travel

Review: Our Thoughts On The Business Platinum® Card from American Express OPEN

The Business Platinum® Card from American Express OPEN can be a great card, provided that the benefits you get out of it are worth its hefty annual fee of $450. If you or your employees frequently travel through airports, and need Internet access on-the-go, this card can provide you with some cost saving solutions – including complimentary Boingo service, 10 annual Gogo passes, and expansive airport lounge access. Other, less expensive, small business credit cards tend to focus on providing savings on every purchase a business makes – whether through the form of travel miles or cash back. The Capital One® Spark® Cash for Business, for example, can provide a company 2% cash back on every purchase made. While The Business Platinum® Card from American Express OPEN has these kinds of rewards as well, they are not as good as ones we see on other cards – therefore, one should really only consider this card for the benefits we outlined earlier.

Many of The Business Platinum® Card from American Express OPEN  core benefits are restricted to the primary account holder – that means those holding employee cards will not be able to use them. Key among those are lounge access and Boingo hot spot access (restricted to 10 devices). Still, if you use either of those benefits – even just for yourself – the card should more than pay for itself.

Finally, another feature worth noting, especially for business travelers, is the Amex Platinum concierge.  These can feel like having a personal assistant on the go, and can help cardholders with certain requests – anything from booking restaurant reservations to ordering flowers.

Bottom Line: There is a lot of great value one can get for their business through The Business Platinum® Card from American Express OPEN, in the form of all its side-perks. If you're interested in purely saving money on every purchase, we recommend looking at other cash back and reward credit cards.

The Business Platinum® Card from American Express OPEN Benefits & Features

The primary benefit of The Business Platinum® Card from American Express OPEN comes from all the “side perks” it offers – lounge access, Global Entry/TSA Pre✔ credit, $200 Airline Fee Credit, etc.

At its core, The Business Platinum® Card from American Express OPEN still earns rewards with every purchase. Users get Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com. All other spending gets just 1 point per $1. We generally value MR points at $0.01, but you can squeeze better value out of them by transferring them to a participating airline partners. These point valuations put the rewards rate of this card at anywhere between 1% and 5% - skewing closer to 1%, most of the time. You can read more on Membership Rewards, and their optimal uses in our guide.

The Business Platinum® Card from American Express OPEN
Annual Fee
$450
Purchase APR
N/A
Credit Needed Excellent Credit
Foreign Transaction Fee N/A
Details
  • Limited Time Offer: Earn up to 100,000 Membership Rewards® Points.
  • Earn 50,000 Membership Rewards® points after you spend $10,000 & an extra 50,000 points after you spend an additional $15,000 all on qualifying purchases within your first 3 months of Card Membership. Offer ends 8/8/18.†
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year.
  • You can also receive 35% points back on all First and Business class flights, with all airlines available through American Express Travel.
  • You can enjoy access to The American Express Global Lounge Collection℠ offering access to the most lounges across the globe, when compared with other U.S. credit card offerings. As of 11/2017
  • Terms Apply
  • See Rates & Fees

The Business Platinum® Card from American Express OPEN also has a 50,000 point welcome bonus, attainable after you spend $10,000 in purchases on the card within the first 3 months of account opening. You can get an additional 50,000 points if you spend an extra $15,000 in that same time span. That’s one of the highest bonus requirements we’ve seen. The points are worth approximately $1,000, a rather low figure for how much you need to spend to get it. The non-business variant of this card only requires you to spend $5,000 in the first 3 months in order to receive 60,000 points. Note that the 100,000 point bonus is only available for a limited time.

Airport Lounge Access Program

The Business Platinum® Card from American Express OPEN card’s major selling point is the access it grants to various lounges worldwide - Centurion Lounges, Delta Sky Club®, Airspace Lounges, and Priority Pass Select. The two most noteworthy members of that group are Centurion Lounges and Priority Pass. Access to these will be granted only to the primary account holder - employees who have been added as authorized users do not qualify.

Centurion lounges are some of the best-regarded airport lounges around – providing high quality amenities and luxury. Currently, these are only located throughout the United States in 6 locations – LGA, MIA, DFW, SEA, and SFO airports. American Express has been pushing their development in the past year, so it’s likely we’ll see more of Centurion Lounges popping up in the near future.

The Priority Pass membership gives access to over 850 lounges worldwide – a value of approximately $399 annually. These will vary in luxury, depending on which airports you are staying at. This benefit primairly makes up for the limited number of Centurion, Delta Sky Club®, and Airspace lounges available to Platinum cardholders. 

35% Airline Bonus

Whenever you use your Membership Rewards points to pay for a flight using ‘Membership Rewards® Pay with Points’, you will receive 35% of your points back.

It works as follows: using 40,000 points to pay for airfare directly will get you a value of about $400 by itself. If you get 35% of those redeemed miles back, you are walking away with a $400 value plus another 14,000 points back in your pocket (35% of 40,000 is 14,000). Those extra points are valued at about $140 (14,000 x $0.01).

Internet Hotspot Access

Having The Business Platinum® Card from American Express OPEN also gives users access to Gogo in-flight and Boingo WiFi hot spots – we conservatively value this benefit at $598 annually, though you could get more out of it, if you need other employees using internet. With Gogo Air, each cardmember (basic plus additional cardholders) is entitled to 10 single-segment WiFi passes. A single pass is worth up to $12.95 – therefore each year you could be getting a value of up to $12.95 x 10, per employee/cardholder. 

The Boingo service is tied to the primary account, however it allows WiFi access on up to 10 devices. The most comparable plan you could purchase directly from their service costs $39 per month.

For business owners who need to always be connected to internet, on the ground and in the sky, this benefit can be helpful. Boingo hotspots do not offer the greatest coverage, and we’ve seen reports of people questioning their coverage maps. Keep that in mind, when evaluating this card.

Additional Travel Benefits: $200 Airline Credit, Global Entry/TSA Pre✔ Fee Reimbursement

Finally, there are a few more monetary incentives to applying for The Business Platinum® Card from American Express OPEN, aimed at frequent travelers - airline credit, and TSA Pre/Global Entry fee reimbursement.

Every year, The Business Platinum® Card from American Express OPEN cardmembers select an airline, for which they will receive up $200 in fee credit. This can be used to pay down things such as in-flight meals, and baggage fees. Purchases made by your employees on any additional cards issued under the account qualify for this benefit – however it all pulls from the same $200 pool. That means you can only save up to $200 in fees per account.

If you find yourself frequently going through airport security, you have no doubt heard of TSA Pre✔/Global Entry programs. By filling out an application, and going through an interview, you will be able to go through an expedited line when it comes to TSA and customs. Both these applications come with a fee, and if you use your card to pay for one of them, that fee will be covered. TSA Pre costs $85, while Global Entry comes in at $100. You only have to pay these fees only once every 5 years, meaning that the annual savings from this benefit comes out to just $17-$20.

Business Benefits Through American Express OPEN

Being an Platinum cardholder gives users access to the OPEN suite of business services. These include things such as discounts with select merchants and service providers, and account management tools that help keep track of employee credit card spending. These benefits are something that's available to all American Express issued business cards, and should not serve as the sole reason for getting this card.

We'd like to elaborate a little on the topic of OPEN Savings - one of the most valuable OPEN benefits. Through it, you can receive up to a 5% discount or an additional 2 MR points per $1 spent, with select vendors. Different spending and reward limits apply to each, which we will break down below.

  • Hyatt Hotels (thru January 1, 2016) – available only at participating locations that can be viewed here. Limited to the first $10,000 spent per calendar year.
  • Hertz – also limited to a number of participating locations, that can be viewed on OPEN’s site.
  • FedEx – 5% discount available on shipping services, up to $20,000 per calendar year.
  • HP – you can get 5% cash back on each dollar spent at HP.com, up to $30,00 in purchases each calendar year.
  • 1800Flowers.com – unlimited savings of 5% on every $1 you spend through the site.
  • Barnes & Noble – the 5% discount here applies only to purchases at BN.com, not at retail stores.

How Does The Business Platinum® Card from American Express OPEN Compare To Other Credit Cards?

In order to come to a decision about The Business Platinum® Card from American Express OPEN, it’s important to see it against the backdrop of other offers. Below we profile the card against such options.

The Business Platinum® Card from American Express OPEN vs The Platinum Card® from American Express

The Platinum Card® from American Express is the non-business variant of Amex's platinum cards. It comes with an easier to get bonus ($5,000 in purchases within the first 3 months), and doesn't come equipped with the 35% Airline bonus, GoGo internet access, or Amex Open benefits otherwise. The Platinum Card® from American Express is slightly more expensive, charging a $550 annual fee. In the long-run, even if you don't qualify for the bonus, The Business Platinum® Card from American Express OPEN will be the better deal, as long as you can cash in on either the 35% airline bonus benefit or the in-flight internet. From a business stand-point, The Business Platinum® Card from American Express OPEN makes the most sense - especially if you want to provide company cards to your employees.

The Business Platinum® Card from American Express OPEN vs SimplyCash® Plus Business Credit Card from American Express

The SimplyCash® Plus Business Credit Card from American Express is on the complete opposite end of the business card spectrum from The Business Platinum® Card from American Express OPEN, in that it focuses on savings rather than luxury. This card has made our list of our favorite small business credit cards, due to the savings it offers. The SimplyCash provides a 5% cash back savings on the first $50,000 in annual spending at office supply stores and U.S. wireless telephone services. On top of that, businesses get to choose 1 category among 8, where they get to earn 3% back (with the same $50k cap as the 5% offer). This is a greater return then you can hope to get, per purchase, with The Business Platinum® Card from American Express OPEN. As long as you don't care about the in-flight internet or the lounge access benefits, the SimplyCash® Plus Business Credit Card from American Express is the card to get.

Comparison Tool

If you're interested in how much a card can save your business on every purchase you charge to it, our tool below can help you sort that out. Simply enter your business' estimated monthly expenditures, by category, and we will do the math for you – showing how much in returns you can expect out of each business card listed below. Keep in mind, however, that this tool does not quantify benefits such as lounge/internet access.

Assumptions Based On Monthly Spend of: $2,000 Edit
General:
U.S. Gas Stations:
U.S. Supermarkets:
Airlines:
Hotel:
U.S. Restaurants:
Office:
Utilities:
Computing:
Card Annual Fee 2-yr Net Rewards Rate

The Net Rewards Rate is equal to the Rewards Value over two years divided by the total spending. The total spending is equal to the values entered into the tool and multiplied by 24 months. See the rewards Value note to see details on how it is calculated.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. All estimates are based on the spend assumptions entered above (which you can edit).

Bonus Value

The bonus field shows our estimate for the value of the card’s welcome bonus. If the bonus is point or mile based, we multiply the total bonus points/miles by our estimate for their value to arrive at a dollar equivalent. We display $0 if there is no bonus or if the user doesn’t qualify for the bonus based on the current spending entered into the tool. All estimates are based on the spend assumptions entered above (which you can edit).

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

2-yr Rewards Value

The Rewards value is calculated by adding together the rewards earned from charging purchases to the card over two years and any welcome bonuses (if applicable). They are then multiplied by our estimated point/mile value, with any annual fees (if applicable) subtracted. All values are based on our own estimates for the dollar value of any points, miles or bonuses earned using a card and on the spend assumptions entered above (which you can edit).

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Southwest Rapid Rewards® Premier Business Credit Card
$99 3.41%
$1,020
Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
$1,638
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 48,000 x $0.017 = $816
Bonuses
60,000 x $0.017 = $1,020
Less Annual Fees -$198
Total Net Estimated Rewards Through 24 Months 1,638

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $99
APR 17.49% - 24.49% Variable

Card Details

  • Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
  • 6,000 bonus points after your Cardmember anniversary.
  • 2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases.
  • 1 point per $1 spent on all other purchases.
  • Earn points on employee spending
  • Employee cards at no additional cost
  • No blackout dates when you redeem points, no seat restrictions, bags fly free®, and no change fees
  • No foreign transaction fees
CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®
$0 Intro Annual Fee for the first year then $95 2.84%
$810
Earn 60,000 bonus miles after you spend $3,000 in the first 3 months
$1,363
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 48,000 x $0.014 = $648
Bonuses
0 x $0.014 = $0
60,000 x $0.014 = $810
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 1,363

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 Intro Annual Fee for the first year then $95
APR 15.24%

Card Details

  • 2 miles for every $1 you spend on American Airlines
  • 1 mile for every $1 spent on other purchases
  • First checked bag free for you and up to four traveling companions
  • Priority boarding
  • 25% discount on in-flight purchases
Capital One® Spark® Cash for Business
$0 intro for first year; $95 after that 2.84%
$500
Earn a $500 bonus once you spend $4,500 on purchases in the first 3 months
$1,365
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 960 x $1 = $960
Bonuses
0 x $1 = $500
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 1,365

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 intro for first year; $95 after that
APR 18.49% (Variable)

Card Details

  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
  • $0 intro annual fee for the first year; $95 after that
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Get employee cards at no additional cost, and earn rewards from their business spend

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Capital One® Spark® Miles for Business
$0 intro for first year; $95 after that 2.84%
$500
Earn 50,000 miles once you spend $4,500 on purchases within the first 3 months
$1,365
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 96,000 x $0.01 = $960
Bonuses
50,000 x $0.01 = $500
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 1,365

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 intro for first year; $95 after that
APR 18.49% (Variable)

Card Details

  • Earn 2 miles per $1 on every purchase, every day
  • Plus, a one-time bonus of 50,000 miles once you spend $4,500 on purchases within 3 months from account opening
  • Miles won't expire for the life of the account, and there are no categories to limit where or what you buy
  • $0 intro annual fee for the first year; $95 after that
  • There's no limit to the amount of miles you can earn
  • Redeem miles for travel, cash back, gift cards and more
  • No foreign transaction fees and fly on any airline, anytime, with no blackout dates or seat restrictions

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

United MileagePlus® Explorer Business card
Image of United MileagePlus® Explorer Business card $0 Intro Annual Fee for the first year then $95 2.85%
$600
$1,369
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 72,000 x $0.012 = $864
Bonuses
0 x $0.012 = $0
50,000 x $0.012 = $600
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 1,369

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 Intro Annual Fee for the first year then $95
APR 16.49% - 23.49% Variable

Card Details

  • 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open
  • 2 miles per $1 spent on business purchases in select categories, including restaurants, gas stations, and office supply stores
  • 2 miles per $1 spent on tickets purchased from United
  • 1 mile per $1 spent on all other purchases
  • The primary cardmember and companions on the same reservation will be invited to board United-operated flights prior to general boardingEmployee cards at no additional cost
  • 10,000 bonus miles after you spend $25,000 on purchases on your card each calendar year
  • The primary cardmember and one companion traveling on the same reservation will each receive their first standard checked bag free
New! Ink Business Unlimited℠ Credit Card
$0 2.54%
$500
Earn $500 bonus after making $3,000 in purchases within 3 months of account opening.
$1,220
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 72,000 x $0.01 = $720
Bonuses
0 x $0.01 = $500
Total Net Estimated Rewards Through 24 Months 1,220

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 14.74% - 20.74% Variable

Card Details

  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • 0% introductory APR for 12 months on purchases and balance transfers
  • Employee cards at no additional cost
  • No Annual Fee
U.S. Bank FlexPerks® Business Edge™ Travel Rewards
$0 Intro Annual Fee for the first year then $55 3.14%
$340
Earn 20,000 bonus FlexPoints after the first $3,500 in net purchases within the first four months of account opening
$1,509
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 72,000 x $0.017 = $1,224
Bonuses
0 x $0.017 = $0
20,000 x $0.017 = $340
Less Annual Fees -$55
Total Net Estimated Rewards Through 24 Months 1,509

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 Intro Annual Fee for the first year then $55
APR 12.24% to 18.24% Variable

Card Details

  • One FlexPoint for every dollar in net purchases
  • Double FlexPoints on gas, office supplies or airline purchases, whichever you spend most on each monthly billing cycle
  • Double FlexPoints on most cell phone purchases, including monthly bills, accessories and Internet charges
  • Up to a $25 airline allowance with each airline award ticket to use on baggage fees, in-flight food or drinks and more
  • Up to 25% off and a free car rental day each year at National Car Rental®
  • Free Hideaways Life® Newsletter Membership
  • $55 Annual Fee credit every year you spend $24,000 or more in net purchases
Starwood Preferred Guest® Business Credit Card from American Express
$0 introductory annual fee for the first year, then $95 2.41%
$100
Earn a $100 statement credit after you make $1,000 in purchases on the Card within your first 3 months of Card Membership.
$1,157
Graph Card Read Review More Details and Value Calculation

Terms and Limitations Apply

Estimated Rewards Through 24 Months

Card Rewards Point Value Rewards Value
Spending Rewards 48,000 x $0.024 = $1,152
Bonuses
0 x $0.024 = $100
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 1,157

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 introductory annual fee for the first year, then $95
APR 16.74% - 20.74% Variable
*Rates and Fees

Card Details

  • Earn a $100 statement credit after you make $1,000 in purchases on the Card within your first 3 months of Card Membership.
  • Plus, earn an additional $100 statement credit after your first purchase on the Card at a participating SPG® or Marriott Rewards® hotel within your first 6 months of Card Membership.
  • From now through July 31, 2018: Earn 2 Starpoints® for every dollar of eligible purchases on the Card at participating SPG® and Marriott Rewards® hotels. Earn 1 Starpoint for all other eligible purchases.
  • Note: On August 1, 2018, SPG will convert every one Starpoint in a loyalty member account to three points. In general, corresponding redemption changes will occur. Visit members.marriott.com for details.
  • Effective August 1, 2018: Earn 6 points for every dollar of eligible purchases on the Card at participating SPG® and Marriott Rewards® hotels.
  • Earn 4 points at U.S. restaurants, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers, and on U.S. purchases for shipping. Earn 2 points for all other eligible purchases.
  • No Foreign Transaction Fees on international purchases and $0 introductory annual fee for the first year, then $95.
  • Terms Apply.
  • See Rates & Fees
Club Carlson Business Rewards Visa Card
$60 2.26%
$315
Earn 50,000 Gold Points after your first purchase; Earn 35,000 points once you spend $2,500 on your card within the first 90 days
$1,083
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240,000 x $0.004 = $888
Bonuses
50,000 x $0.004 = $185
35,000 x $0.004 = $130
Less Annual Fees -$120
Total Net Estimated Rewards Through 24 Months 1,083

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $60
APR 14.24% - 23.24% Variable

Card Details

  • Earn 50,000 Gold Points after your first purchase
  • Earn 35,000 points once you spend $2,500 on your card within the first 90 days
  • 10 points per $1 spent at Carlson Rezidor hotels
  • 5 points per $1 spent everywhere else
  • Automatic upgrade to Gold Elite Status
  • Cardmembers who've already reached Concierge Elite Status will receive 15 qualifying nights toward obtaining or maintaining Concierge Elite status
  • Redeem Gold Points towards free nights at Carlson Rezidor hotels, gift cards, prepaid cards, charitable initiatives, vacation savings, and exchanges for airline miles
  • Visa Signature concierge privileges
  • Travel & Emergency Assistance Services, Auto Rental Collision Damage Waiver, and Travel Accident Insurance for card purchases
  • Subject to credit approval
Ink Business Cash℠ Credit Card
$0 4.04%
$500
Earn $500 bonus cash back when you spend $3,000 on purchases in the first 3 months from account opening.
$1,940
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 1,440 x $1 = $1,440
Bonuses
0 x $1 = $500
Total Net Estimated Rewards Through 24 Months 1,940

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 14.74% - 20.74% Variable

Card Details

  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Named "Best Rewards Card for Small Business Owners" by Kiplinger's Personal Finance, July 2017
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases and balance transfers
  • Employee cards at no additional cost
  • No Annual Fee
WorldPoints® Travel Rewards for Business Visa® Card
Image of WorldPoints® Travel Rewards for Business Visa® Card No Annual Fee 2.13%
$160
5,000 bonus points after your first purchase; $100 statement credit bonus after making at least $500 in purchases in the first 60 days of your account opening
$1,024
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 72,000 x $0.012 = $864
Bonuses
5,000 x $0.012 = $60
0 x $0.012 = $100
Total Net Estimated Rewards Through 24 Months 1,024

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 11.24% to 21.24% Variable

Card Details

  • 3 rewards points per $1 spent for travel booked through Bank of America's Travel center
  • 1.5 rewards points per $1 spent on all other purchases
  • No annual fee
  • 0% Introductory APR for 9 billing cycles from account opening
Gold Delta SkyMiles® Business Credit Card
$0 introductory annual fee for the first year, then $95 1.91%
$390
Make business travel more rewarding. Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within the first 3 months.
$919
Graph Card Read Review More Details and Value Calculation

Terms and Limitations Apply

Estimated Rewards Through 24 Months

Card Rewards Point Value Rewards Value
Spending Rewards 48,000 x $0.013 = $624
Bonuses
30,000 x $0.013 = $390
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 919

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 introductory annual fee for the first year, then $95
APR 16.74% - 20.74% Variable
*Rates and Fees

Card Details

  • Make business travel more rewarding. Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within the first 3 months.
  • Additionally, earn a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • Earn 2 Miles per dollar spent on eligible purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
  • Settle into your seat sooner with Priority Boarding and enjoy 20% savings on eligible in-flight purchases in the form of a statement credit when you use your American Express Delta Card.
  • Pay no foreign transaction fees when you spend overseas.
  • $0 introductory annual fee for the first year, then $95.
  • Terms and limitations apply
  • See Rates & Fees
Platinum Delta SkyMiles® Business Credit Card
$195 1.84%
$455
Earn 35,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $1,000 in purchases on your new Card in your first 3 months.
$884
Graph Card More Details and Value Calculation

Terms and Limitations Apply

Estimated Rewards Through 24 Months

Card Rewards Point Value Rewards Value
Spending Rewards 48,000 x $0.013 = $624
Bonuses
35,000 x $0.013 = $455
Less Annual Fees -$195
Total Net Estimated Rewards Through 24 Months 884

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $195
APR 16.74% - 20.74% Variable
*Rates and Fees

Card Details

  • Earn 35,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $1,000 in purchases on your new Card in your first 3 months.
  • Earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • Check your first bag for free and save up to $50 on a round trip Delta flight.
  • Settle into your seat sooner with Priority Boarding.
  • Enjoy 20% savings on eligible in-flight purchases in the form of a statement credit with the American Express Delta Card.
  • Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases. Miles don't expire.
  • No Foreign Transaction Fees.
  • Terms and limitations apply
  • See Rates & Fees
Capital One® Spark® Cash Select for Business
$0 1.92%
$200
One time bonus of $200 once you spend $3,000 in the first 3 months
$920
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 720 x $1 = $720
Bonuses
0 x $1 = $200
Total Net Estimated Rewards Through 24 Months 920

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 14.49% - 22.49% (Variable)

Card Details

  • Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening
  • Save on interest with 0% intro APR on purchases for 9 months; 14.49% - 22.49% variable APR after that
  • No annual fee
  • Use Spark Cash Select across all your business spend, with no categories to limit your purchasing
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Get employee cards at no additional cost, and earn rewards from their business spend

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Capital One® Spark® Miles Select for Business
$0 1.92%
$200
One time bonus of 20,000 miles once you spend $3,000 in the first 3 months
$920
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 72,000 x $0.01 = $720
Bonuses
20,000 x $0.01 = $200
Total Net Estimated Rewards Through 24 Months 920

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 14.49% - 22.49% (Variable)

Card Details

  • Earn 1.5 miles per $1 on every purchase, every day
  • Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening
  • Miles won't expire for the life of the account, and there are no categories to limit where or what you buy
  • Save on interest with 0% intro APR on purchases for 9 months; 14.49% - 22.49% variable APR after that
  • Pay no annual fee or foreign transaction fees
  • Get online Quarterly and Year-End Summaries
  • There's no limit to the amount of miles you can earn
  • Fly on any airline, anytime, with no blackout dates or seat restrictions

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Alaska Airlines Visa® Business Card
Image of Alaska Airlines Visa® Business Card $75 1.64%
$360
Earn 30,000 bonus miles after you make $1,000 or more in purchases within the first 90 days of your account opening.
$786
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 48,000 x $0.012 = $576
Bonuses
30,000 x $0.012 = $360
Less Annual Fees -$150
Total Net Estimated Rewards Through 24 Months 786

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $75
APR 13.49% to 20.49% Variable

Card Details

  • Earn 30,000 bonus miles and Alaska’s Famous Companion Fare™ from $121 ($99 plus taxes and fees from $22) after you make $1,000 or more in net purchases within the first 90 days of your account opening
  • Earn 3 miles for every $1 spent directly on Alaska Airlines and Virgin America and 1 mile for every $1 spent on all other purchases
  • Get another Alaska's Famous Companion Fare™ from $121 ($99 plus taxes and fees from $22) every year on your account anniversary valid on Alaska and Virgin America flights booked on alaskaair.com. There are no blackout dates
  • Free checked bag on Alaska and Virgin America flights for you and up to six other passengers on the same reservation
  • No foreign transaction fees
  • Annual Fee is based on billing type selected at time of application (see terms and conditions for additional details)
Bank of America® Business Advantage Cash Rewards Mastercard® credit card
Image of Bank of America® Business Advantage Cash Rewards Mastercard® credit card No Annual Fee 2.42%
$200
$200 statement credit bonus after making at least $500 in purchases in the first 60 days of your account opening
$1,160
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 96,000 x $0.01 = $960
Bonuses
0 x $0.01 = $0
0 x $0.01 = $200
Total Net Estimated Rewards Through 24 Months 1,160

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 12.24% - 22.24% Variable

Card Details

  • 3% on purchases at gas stations and office supply stores (up to $250,000 in gas stations and office supply store purchases annually, 1% after that)
  • 2% on purchases at restaurants
  • 1% cash back on all other purchases
  • No annual fee
  • 0% introductory APR on purchases for the first 9 billing cycles
Marriott Rewards® Premier Business Credit Card
Image of  Marriott Rewards® Premier Business Credit Card $99 1.49%
$480
80,000 Bonus points after you spend $3,000 on purchases in your first 3 months from your account opening with your Marriott Rewards Premier Business credit card.
$714
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 72,000 x $0.006 = $432
Bonuses
0 x $0.006 = $0
80,000 x $0.006 = $480
Less Annual Fees -$198
Total Net Estimated Rewards Through 24 Months 714

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $99
APR 16.49% - 23.49% Variable

Card Details

  • 80,000 Bonus points after you spend $3,000 on purchases in your first 3 months from your account opening with your Marriott Rewards Premier Business credit card.
  • 5 points for every $1 spent at over 5,700 participating Marriott Rewards® and SPG® hotels.
  • 2 points for every $1 spent on airline tickets purchased directly with the airline, and at car rental agencies, restaurants, office supply stores, and for internet, cable and phone services purchases.
  • 1 point for every $1 you spend on all other purchases and your points don't expire as long as you make purchases on your credit card every 24 months.
  • Marriott Rewards Gold Elite benefits when you spend $50,000 on purchases each account year.
The Hawaiian Airlines® Business MasterCard®
Image of The Hawaiian Airlines® Business MasterCard® $89 1.36%
$350
Earn 35,000 bonus miles when you spend $1,000 on purchases in the first 90 days
$652
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 48,000 x $0.01 = $480
Bonuses
35,000 x $0.01 = $350
Less Annual Fees -$178
Total Net Estimated Rewards Through 24 Months 652

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $89
APR 16.99% or 25.99% Variable

Card Details

  • Earn 35,000 bonus miles when you spend $1,000 on purchases in the first 90 days
  • Earn 2 miles for every $1 spent on Haiwaiian Airlines
  • Earn $1 for every $1 spent on all other purchases
  • Get $100 off a companion ticket for roundtrip coach travel between Hawaii and North America at each account anniversary
  • Earn 5,000 annual bonus miles after spending $10,000 or more in purchases by your account anniversary
Asiana Visa® Business Card
Image of Asiana Visa® Business Card $80 1.36%
$140
10,000 bonus miles after your first purchase
$652
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 48,000 x $0.014 = $672
Bonuses
0 x $0.014 = $0
10,000 x $0.014 = $140
Less Annual Fees -$160
Total Net Estimated Rewards Through 24 Months 652

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $80
APR 13.24%

Card Details

  • 2 miles per $1 spent on purchases from Asiana Airlines
  • 1 mile per $1 everywhere else
CitiBusiness ThankYou® Credit Card
Image of CitiBusiness ThankYou® Credit Card No Annual Fee 1.31%
$150
Earn 15,000 bonus ThankYou points after you spend $3,000 in the first 3 months
$630
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 48,000 x $0.01 = $480
Bonuses
0 x $0.01 = $0
15,000 x $0.01 = $150
Total Net Estimated Rewards Through 24 Months 630

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 13.24%

Card Details

  • Earn 15,000 bonus ThankYou points after you spend $3,000 in the first 3 months
  • Earn 3 ThankYou points for every dollar spent on purchases in quaterly rotating business categories
  • Earn 1 ThankYou Points for every $1 spent on other purchases
  • Unlimited points with no expiration
  • 24/7 customer service
  • Accident Insurance
  • Car Rental Insurance
  • Purchase Protection up to $10,000
U.S. Bank Business Edge™ Select Rewards Card
Image of U.S. Bank Business Edge™ Select Rewards Card $0* 1.21%
$100
Earn 10,000 bonus points after you spend $500 during the first 90 days after opening your account
$580
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 48,000 x $0.01 = $480
Bonuses
0 x $0.01 = $0
10,000 x $0.01 = $100
Total Net Estimated Rewards Through 24 Months 580

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0*
APR 10.74% - 18.74%* (Variable)

Card Details

  • 0% Intro APR* on purchases and balance transfers for the first 12 billing cycles
  • No annual fee*
  • Free employee cards
  • Zero fraud liability* protects you against unauthorized transactions
Hilton Honors American Express Business Card
$95 2.41%
$625
Earn 125,000 Hilton Honors Bonus Points after you spend $5,000 in purchases on your Card in the first 3 months of Card Membership.
$1,155
Graph Card More Details and Value Calculation

Terms and Limitations Apply

Estimated Rewards Through 24 Months

Card Rewards Point Value Rewards Value
Spending Rewards 144,000 x $0.005 = $720
Bonuses
125,000 x $0.005 = $625
Less Annual Fees -$190
Total Net Estimated Rewards Through 24 Months 1,155

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $95
APR 17.24%-26.24% Variable
*Rates and Fees

Card Details

  • Limited Time Offer: Earn 125,000 Hilton Honors Bonus Points after you spend $5,000 in purchases on your Card in the first 3 months of Card Membership. † Offer ends 6/27/2018
  • Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X Everywhere Else. Terms & Limitations Apply.
  • Enjoy complimentary Gold status with your Hilton Honors Business Card. ‡
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year. ‡
  • Earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year. ‡
  • Relax with 10 free airport lounge visits each year once enrolled in complimentary Priority Pass™ Select membership, which offers access to over 1,000 lounges in over 120 countries. ‡
  • Terms apply.
  • See Rates & Fees
Business Preferred World MasterCard®
Image of Business Preferred World MasterCard® $0 Intro Annual Fee for the first year then $125 1.19%
$120
10,000 bonus points after the first purchase
$571
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 48,000 x $0.012 = $576
Bonuses
0 x $0.012 = $0
10,000 x $0.012 = $120
Less Annual Fees -$125
Total Net Estimated Rewards Through 24 Months 571

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 Intro Annual Fee for the first year then $125
APR

Card Details

  • 1 rewards point per $1 on all purchases
  • Double rewards points on airline and hotel purchases for the first 12 months from account opening
  • 10,000 anniversary points each year
  • Double rewards points and hotel purchases for the first 12 months from account opening
  • Charge card
  • No preset spending limit
U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard®
Image of U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard® $0* 2.00%
$0
$960
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 960 x $1 = $960
Bonuses
0 x $1 = $0
0 x $1 = $0
Total Net Estimated Rewards Through 24 Months 960

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0*
APR 12.74% - 18.74%* (Variable)

Card Details

  • Earn a new cardmember bonus of $150 after you spend $500 in net purchases on your card within the first 90 days of account opening.
  • 3% cash back on all cellular, gas and office supply store net purchases
  • 1% cash back on all other net purchases
  • No cap on total rewards and they never expire!
  • Plus, a 25% Annual Cash Rewards bonus, up to $250
  • No annual fee*
  • Net purchases are purchases minus credits and returns
SimplyCash® Plus Business Credit Card from American Express
$0 3.00%
$0
$1,440
Graph Card Read Review More Details and Value Calculation

Terms and Limitations Apply

Estimated Rewards Through 24 Months

Card Spent Cash Back Rewards Value
Spending Rewards 1,440 x $1 = $1,440
Total Net Estimated Rewards Through 24 Months 1,440

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 13.74% - 20.74% Variable
*Rates and Fees

Card Details

  • Special offer: save on interest with a 0% intro APR on purchases for 15 months; after that your APR will be a variable rate, currently 13.74% - 20.74%
  • No annual fee
  • Reinvest in your business with automatic cash back in the form of a monthly statement credit. Plus take control by choosing the 3% category that best fits your business
  • Earn 5% cash back on the first $50,000 spent at wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
  • Earn 3% cash back on the first $50,000 spent in the category of your choice from a list of eight and 1% cash back on other purchases
  • With Expanded Buying Power you can spend beyond your credit limit* to make bigger purchases for your business plus earn cash back on those purchases too
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors
  • Terms apply
  • See Rates & Fees
Capital One® Spark® Classic for Business
$0 1.00%
$0
$480
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 480 x $1 = $480
Total Net Estimated Rewards Through 24 Months 480

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 24.49% (Variable)

Card Details

  • Enjoy no annual fee
  • Earn 1% cash back on every purchase, every day
  • Build business credit with responsible use
  • Fraud coverage if your card is ever lost or stolen
  • No foreign transaction fees
  • Enjoy business benefits including Year-End Summaries, employee cards at no extra cost and experienced small business customer service

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Blue Business℠ Plus Credit Card
$0 1.00%
$0
$480
Graph Card More Details and Value Calculation

Terms and Limitations Apply

Estimated Rewards Through 24 Months

Card Rewards Point Value Rewards Value
Spending Rewards 48,000 x $0.01 = $480
Total Net Estimated Rewards Through 24 Months 480

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 12.74% - 20.74% Variable
*Rates and Fees

Card Details

  • Get rewarded for business as usual. Earn 2X points on everyday business purchases such as office supplies or client dinners.
  • 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
  • More buying power for your business* means more opportunities to earn points. That's everyday business with the new Blue Business Plus Card.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
  • 0.0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.74%, 16.74% or 20.74%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee
  • Terms Apply
  • See Rates & Fees
Business Green Rewards Card from American Express OPEN
$0 introductory annual fee for the first year, then $95 0.91%
$50
5,000 points after your first purchase
$435
Graph Card Read Review More Details and Value Calculation

Terms and Limitations Apply

Estimated Rewards Through 24 Months

Card Rewards Point Value Rewards Value
Spending Rewards 48,000 x $0.01 = $480
Bonuses
5,000 x $0.01 = $50
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 435

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 introductory annual fee for the first year, then $95
APR N/A
*Rates and Fees

Card Details

  • Earn 5,000 Membership Rewards® points after your first purchase on the Card
  • Earn double Membership Rewards® points for each dollar of eligible purchases made when you book on the American Express Travel website
  • Earn one Membership Rewards® point for each dollar you spend on eligible purchases
  • Choose rewards from over 500 leading brands in travel, gift cards, merchandise or entertainment
  • $0 introductory annual fee for the first year, then $95
  • Terms & Limitations Apply
  • See Rates & Fees
Spirit Airlines World MasterCard® for Business Credit Card
Image of Spirit Airlines World MasterCard® for Business Credit Card $79 0.95%
$75
15,000 bonus miles after the first purchase
$456
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 96,000 x $0.005 = $480
Bonuses
0 x $0.005 = $0
15,000 x $0.005 = $75
Less Annual Fees -$99
Total Net Estimated Rewards Through 24 Months 456

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $79
APR 12.99% to 22.99% Variable

Card Details

  • 2 miles for every dollar you spend on purchases
Business Secured Credit Card
$0 Intro Annual Fee for the first year then $25 0.95%
$0
$455
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 480 x $1 = $480
Bonuses
0 x $1 = $0
0 x $1 = $0
Less Annual Fees -$25
Total Net Estimated Rewards Through 24 Months 455

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 Intro Annual Fee for the first year then $25
APR 10.24%

Card Details

Ink Business Preferred℠ Credit Card
$95 2.94%
$1,000
80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening
$1,410
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 48,000 x $0.013 = $600
Bonuses
80,000 x $0.013 = $1,000
Less Annual Fees -$190
Total Net Estimated Rewards Through 24 Months 1,410

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $95
APR 17.49% - 22.49% Variable

Card Details

  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases–with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more – your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee
Business Secured Visa® Credit Card
$0 Intro Annual Fee for the first year then $40 0.92%
$0
$440
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 480 x $1 = $480
Bonuses
0 x $1 = $0
0 x $1 = $0
Less Annual Fees -$40
Total Net Estimated Rewards Through 24 Months 440

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 Intro Annual Fee for the first year then $40
APR 16.49%

Card Details

The Plum Card® from American Express OPEN
$0 introductory annual fee your first year, then $250 0.98%
$0
$470
Graph Card Read Review More Details and Value Calculation

Terms and Limitations Apply

Estimated Rewards Through 24 Months

Card Rewards Point Value Rewards Value
Spending Rewards 72,000 x $0.01 = $720
Less Annual Fees -$250
Total Net Estimated Rewards Through 24 Months 470

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 introductory annual fee your first year, then $250
APR N/A
*Rates and Fees

Card Details

  • Paying early pays off: Get a 1.5% discount when you pay early, with no cap on what you can earn back.
  • Take up to 60 days to pay with no interest, if you pay your minimum due.
  • Use the power of the Plum Card to buy big for your business.
  • Unlock new opportunities with a spending limit that can grow with your business.
  • Additional Employee Cards at no annual fee — and an early pay discount on employee spending.
  • No Foreign Transaction Fees.
  • Introductory annual fee of $0 for the first year, then $250
  • Terms & Restrictions Apply. See Rates & Fees
The Business Gold Rewards Card from American Express OPEN
$0 introductory annual fee for the first year, then $175 1.78%
$500
Special Offer: Earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership
$853
Graph Card Read Review More Details and Value Calculation

Terms and Limitations Apply

Estimated Rewards Through 24 Months

Card Rewards Point Value Rewards Value
Spending Rewards 52,800 x $0.01 = $528
Bonuses
50,000 x $0.01 = $500
Less Annual Fees -$175
Total Net Estimated Rewards Through 24 Months 853

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 introductory annual fee for the first year, then $175
APR N/A
*Rates and Fees

Card Details

  • Welcome Offer: Earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership
  • Get 3x points - Choose 1 out of 5 categories
  • Plus, 2X points on the 4 remaining categories and 1X points on other purchases
  • 3X and 2X apply to the first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter
  • Track, organize, and stay on top of your business expenses with powerful expense-tracking tools
  • No foreign transaction fees
  • $0 introductory annual fee for the first year, then $175
  • Terms and limitations apply
  • See Rates & Fees
Platinum Visa® Business Credit Card
No Annual Fee 0.21%
$100
$100 statement credit bonus after making at least $500 in purchases in the first 60 days of your account opening
$100
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Bonuses
0 - $0
0 - $100
Total Net Estimated Rewards Through 24 Months 100

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 92.4% to 20.24% Variable

Card Details

  • No annual fee
  • 0% Introductory APR on purchases for 7 billing cycles
Delta Reserve for Business Credit Card
$450 0.33%
$480
Earn 40,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months.
$156
Graph Card Read Review More Details and Value Calculation

Terms and Limitations Apply

Estimated Rewards Through 24 Months

Card Rewards Point Value Rewards Value
Spending Rewards 48,000 x $0.012 = $576
Bonuses
40,000 x $0.012 = $480
Less Annual Fees -$900
Total Net Estimated Rewards Through 24 Months 156

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $450
APR 16.74% - 20.74% Variable
*Rates and Fees

Card Details

  • Earn 40,000 bonus miles and 10,000 MQMs after you spend $3,000 in purchases with your new Card in the first 3 months.†
  • Earn 15,000 Medallion® Qualification Miles (MQMs) and 15,000 bonus miles after you reach $30,000 in eligible purchases on your Card in the calendar year.
  • Earn 2 Miles per dollar spent on eligible purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
  • Settle into your seat sooner with Priority Boarding and enjoy 20% savings on eligible in-flight purchases in the form of a statement credit.
  • Pay no foreign transaction fees when you spend overseas.‡
  • Complimentary Delta Sky Club® Access.‡
  • Terms and limitations apply
  • See Rates & Fees
Business Edge™ Platinum
Image of Business Edge™ Platinum $0* 0.00%
$0
$0
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Bonuses
0 - $0
0 - $0
Total Net Estimated Rewards Through 24 Months 0

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0*
APR 10.74% - 18.74%* (Variable)

Card Details

  • 0% Intro APR* on purchases and balance transfers for the first 12 billing cycles
  • No annual fee*
  • Free employee cards
  • Zero fraud liability* protects you against unauthorized transactions
The Business Platinum® Card from American Express OPEN
$450 -0.88%
$0
Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 50,000 points after you spend an additional $15,000 all on qualifying purchases within your first 3 months of Card Membership.
$-420
Graph Card Read Review More Details and Value Calculation

Terms and Limitations Apply

Estimated Rewards Through 24 Months

Card Rewards Point Value Rewards Value
Spending Rewards 48,000 x $0.01 = $480
Less Annual Fees -$900
Total Net Estimated Rewards Through 24 Months -420

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $450
APR N/A
*Rates and Fees

Card Details

  • Limited Time Offer: Earn up to 100,000 Membership Rewards® Points.
  • Earn 50,000 Membership Rewards® points after you spend $10,000 & an extra 50,000 points after you spend an additional $15,000 all on qualifying purchases within your first 3 months of Card Membership. Offer ends 8/8/18.†
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year.
  • You can also receive 35% points back on all First and Business class flights, with all airlines available through American Express Travel.
  • You can enjoy access to The American Express Global Lounge Collection℠ offering access to the most lounges across the globe, when compared with other U.S. credit card offerings. As of 11/2017
  • Terms Apply
  • See Rates & Fees

Comments and Questions

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's website.

Info about the following cards: American Express® Gold Card, Delta Reserve® Credit Card from American Express, Platinum Delta SkyMiles® Credit Card, Starwood Preferred Guest® Credit Card from American Express, Hilton Honors Surpass® Credit Card, American Express® Blue Sky, American Express® Green Card, The Amex EveryDay® Preferred Credit Card from American Express, The Plenti® Credit Card from Amex, Blue from American Express®, Platinum Card® from American Express Exclusively for Mercedes-Benz, Bluebird, Centurion® Card from American Express, Hilton Honors American Express Aspire Card, and Starwood Preferred Guest® American Express Luxury Card has been collected independently by ValuePenguin. The issuer did not provide the details, nor is it responsible for their accuracy.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program. 

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

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