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Best Chase Business Credit Card: Ink Cash® vs Ink Plus®

Both the Ink Business Cash℠ Credit Card and the Ink Plus® Business Credit Card rank among the top business credit cards, and it might be difficult to figure out which of the two is best for your company. We will explore each Chase business credit card’s strengths and weaknesses, and how those translate to different values for your business. In our analysis, we will also consider whether you may be better off choosing another business card altogether.

Overview of Chase Business Credit Cards

The chief difference that drives a wedge between the two Chase business credit cards is their annual cost. The Ink Business Cash℠ Credit Card has no annual fee, while the Ink Plus® Business Credit Card costs $95 each year you keep it. Therefore, the key to figuring out which of these two choices makes the most sense for your business comes down to which will provide higher rewards. If you choose to pay the $95 for the Ink Plus® Business Credit Card you should make sure you are getting your money’s worth.

  • The Ink Plus® Business Credit Card is best for businesses that spend $27.3k or more annually at office supply stores and on cellular phone, landline, internet and cable services. Up until the first $25,000 in combined spending in these categories, both the Ink Plus® Business Credit Card and the Ink Business Cash℠ Credit Card will earn the same rewards rate. After $25k is reached within a year, however, the Ink Business Cash℠ Credit Card reverts to a 1% cash back rate, while the Ink Plus® Business Credit Card will continue to earn 5% until $50k in spending. At first, the fact that the Ink Business Cash℠ Credit Card has no annual fee will make it the better choice. After the $27.3k threshold is reached, however, this difference will be made up for, and the Ink Plus® Business Credit Card becomes more profitable.
  • The Ink Business Cash℠ Credit Card is better for businesses that have to carry a balance month-to-month. This Chase business credit card has one of the lowest rates for business credit cards. On top of this, the Ink Business Cash℠ Credit Card comes with a 0% introductory APR on purchases and balance transfers, for the first 12 months, being one of the only business credit cards to do that.

The above summaries are just the high-level contrast between the two cards. In reality, there are far more nuanced differences among the two Chase business cards. Keep in mind that choosing one or the other is not the only option, and businesses are allowed to have both the Ink Business Cash℠ Credit Card and the Ink Plus® Business Credit Card at the same time. Since both cards earn users Ultimate Rewards points, there is quite a bit of interplay that can happen between the two, and businesses can use this to their advantage. We explore this in greater detail below. The following table shows the key features of each card at a glance.

Ink Business Cash℠ Credit CardInk Plus® Business Credit Card

Ink Business Cash℠ Credit Card
Ink Plus® Business Credit Card
This card is not available through ValuePenguin.

Annual Fee

$0$95 Annual Fee

Signup Promo

Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months of account opening80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening

Promotional APR

0% Intro APR on Purchases for 12 monthsNone

APR

14.99% - 20.99% Variable15.49% to 19.24% Variable

Rewards Rate

  • 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable services each account anniversary year
  • 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • 1% cash back on all other card purchases with no limit to the amount you can earn

  • 5X points per $1 on the first $50,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable services each account anniversary year
  • 2X points per $1 on the first $50,000 spent in combined purchases at gas stations and hotel accommodations when purchased directly with the hotel each account anniversary year
  • 1 point per $1 on all other purchases--with no limit to the amount you can earn

FX Fee

3%None

Other Key Benefits

None20% off travel redemptions through Chase Ultimate Rewards®

Which Chase Business Card Is Best Based On A Specific Budget?

The hardest question to answer is which of the two Chase business credit cards is best for you, given your company's specific budget. Depending on how your spending breaks down into the different reward categories, their limits, and how that plays in with annual fees, one card can be significantly better or worse than another. Figuring out the math behind this can get complex, and time consuming. To help with this, we have developed an excel model that simplifies the process. When you input your estimated monthly budget by category, the model will return for you the estimated net returns for each of the cards. Click here to access the Chase Business Credit Card Excel model.

Outside of the different caps ($25k vs $50k), you will find that the other major differentiator between the two cards is their 2% rewards rate category. While both cards provide comparable rewards at gas stations, the Ink Business Cash℠ Credit Card is better for restaurant spending, while the Ink Plus® Business Credit Card provides superior rewards when paying for hotel accommodations.

If you want a rule of thumb judgment, or don't know exactly how your businesses' spending will be over a year (or multiple years), then the Ink Business Cash℠ Credit Card is a safe choice. Since the card comes with no annual fee, you will not lose any money on the investment. If, on the other hand, you know that you will always hit at least $28k or more in spending on the 5x categories, go with the Ink Plus® Business Credit Card.

Which Chase Credit Card Is Better For Businesses With Irregular Cash Flow?

The Ink Business Cash℠ Credit Card is best for business owners with irregular balance sheets, which makes it difficult to predict their ability to consistently pay off their bills in full. If you ever find yourself needing to carry a balance on your credit card, and you don't have enough cash or liquid assets to completely pay off your debt, you will want a credit card with the lowest possible APR. The Ink Business Cash℠ Credit Card has an interest rate that's one of the lowest among all business credit cards we surveyed - significantly lower than the Ink Plus® Business Credit Card. Moreover, the card also comes with 12 months of 0% introductory APR on both purchases and balance transfers - one of the few business credit cards with this feature.

Credit card rewards are meaningless, if you are losing money by paying interest. Therefore, if you find yourself in this type of scenario, we strongly urge business owners to value mitigating interest over maximizing rewards.

Using Chase Business Credit Cards Abroad

The Ink Plus® Business Credit Card is the clear winner when it comes to being able to use your card outside of the United States, due to not having a foreign transaction fee. If in the process of conducting business, you or your employees find yourselves traveling abroad, and wish to use the company credit card to pay for all expenses, this feature becomes key. The Ink Business Cash℠ Credit Card, like most other credit cards, will charge you a 3% fee per foreign transaction. Depending on how much of your business expenses are incurred overseas, it may be important to weigh this as a factor in deciding which card to get.

Using The Two Chase Business Cards Together

Assuming it makes financial sense for you to get the Ink Plus® Business Credit Card, it may also be a prudent move to apply for the Ink Business Cash℠ Credit Card as well. Since the latter has no annual fee attached to it, there won't be a recurring carrying cost. The two cards can combine to optimize rewards value to you by earning

Even though the Ink Business Cash℠ Credit Card is advertised as a cash back credit card, in reality it earns users Ultimate Reward points. However, when you only have a Ink Business Cash℠ Credit Card account, one of your only options is to use the points toward cash back. If your business were to have a Ink Plus® Business Credit Card tied to the account, you would be able to also use the Ultimate Reward points toward travel redemptions, instead of pure cash back. This can potentially increase the value per point for the cards from $0.01 to $0.0125.

Using the two cards together would ideally look like this: use the Ink Plus® Business Credit Card until you hit your annual spending cap in each category, then use the Ink Business Cash℠ Credit Card after, to continue earning 5x/2x points per $1. You should also use the Ink Business Cash℠ Credit Card whenever paying at restaurants. Furthermore, when you redeem, the most value-maximizing option is travel. Doing this will maximize your rewards earning.

The downside of applying for both cards is the potential risk to your business credit score. Applying for two credit accounts in a short span of time can lower it - though this is temporary. Therefore, if you plan on getting both these cards, we recommend spacing out the time between applications.

How Do The Chase Business Credit Cards Compare To Other Options?

Business credit cards can generally be compared on two fronts: rewards and business perks. While rewards differ from card-to-card, perks tend to be standard across cards from an issuer.

Comparing Business Credit Cards Based On Rewards

As discussed above, matching the right business credit card to your exact spending may be difficult. Instead of using an excel model for each match-up, you can use out interactive tool below to help you come to a decision. Input your estimated spending, per category, and the tool will help you get an idea of the value of each business card in our database.

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 17.74% - 24.74% 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®
$99, waived for first 12 months* 3.11%
$945
For a limited time, earn 70,000 American Airlines AAdvantage® bonus miles after making $4,000 in purchases within the first 4 months of account opening*
$1,494
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
70,000 x $0.014 = $945
Less Annual Fees -$99
Total Net Estimated Rewards Through 24 Months 1,494

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

Annual Fee $99, waived for first 12 months*
APR 17.49% - 25.49%* (Variable)

Card Details

  • Designed for businesses
  • For a limited time, earn 70,000 American Airlines AAdvantage® bonus miles after making $4,000 in purchases within the first 4 months of account opening*
  • First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line*
  • New: 25% savings on American Airlines inflight Wi-Fi when you use your card*
  • Enjoy preferred boarding on American Airlines flights*
  • Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases
  • Earn 2 AAdvantage® miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations*
  • Earn 1 AAdvantage® mile per $1 spent on other purchases*
  • No Foreign Transaction Fees*
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 18.74% (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 18.74% (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.

The Hilton Honors American Express Business Card
$95 2.41%
$625
Welcome Offer: Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Business Card after you spend $3,000 in eligible purchases 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 17.49%-26.49% Variable
*Rates and Fees

Card Details

  • Welcome Offer: Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Business Card after you spend $3,000 in eligible purchases in the first 3 months of Card Membership.
  • 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
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 14.99% - 20.99% 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
Platinum Delta SkyMiles® Business Credit Card from American Express
$195 2.25%
$650
Earn 50,000 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 and a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months.
$1,079
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
50,000 x $0.013 = $650
Less Annual Fees -$195
Total Net Estimated Rewards Through 24 Months 1,079

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

Annual Fee $195
APR 17.49% - 26.49% Variable
*Rates and Fees

Card Details

  • Earn 50,000 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 and a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • Plus, get a 0% introductory APR for 6 months on purchases. After the introductory 6 months period, the APR for purchases will be variable at 17.49%-26.49% based on your credit worthiness and other factors at account opening, and this APR will vary with the market based on the Prime Rate.
  • Special Offer Expires: 11/07/2018
  • 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.
  • Terms and limitations apply
  • See Rates & Fees
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

  • 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
Club Carlson Business Rewards Visa Card
Image of 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

  • 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 14.99% - 20.99% Variable

Card Details

  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other 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

  • No annual fee
  • 0% Introductory APR for 9 billing cycles from account opening
Gold Delta SkyMiles® Business Credit Card from American Express
$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 your 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 17.49% - 26.49% 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 your 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
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 Read Review 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 14.74% - 22.74% (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; 14.74% - 22.74% 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 14.74% - 22.74% (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; 14.74% - 22.74% 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.

Starwood Preferred Guest® Business Credit Card from American Express
$0 introductory annual fee for the first year, then $95 3.48%
$900
100,000 bonus points after you use your new Card to make $5,000 in purchases within the first 3 months of Card Membership. Offer ends 10/31/2018.
$1,669
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 96,000 x $0.009 = $864
Bonuses
100,000 x $0.009 = $900
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 1,669

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

Annual Fee $0 introductory annual fee for the first year, then $95
APR 17.49% - 26.49% Variable
*Rates and Fees

Card Details

  • Earn 100,000 bonus points after you use your new Card to make $5,000 in purchases within the first 3 months of Card Membership. Offer ends 10/31/2018.
  • Earn 6 points for each dollar of eligible purchases at over 6,500 participating SPG® and Marriott Rewards® hotels across 110 countries worldwide.
  • 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.
  • Receive 1 Free Night Award every year after your Card account anniversary. Select hotels have resort fees.
  • Enjoy complimentary Silver Elite status with your Card.
  • Plus, spend $35,000 on eligible purchases on your Card in a calendar year and earn an upgrade to Gold Elite status through the end of the next calendar year.
  • No Foreign Transaction Fees on international purchases and $0 introductory annual fee for the first year, then $95.
  • Terms Apply
  • See Rates & Fees
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

  • No annual fee
  • 0% introductory APR on purchases for the first 9 billing cycles
Hawaiian Airlines® Business MasterCard®
Image of Hawaiian Airlines® Business MasterCard® $89 1.46%
$400
Earn 40,000 bonus miles after first purchase.
$702
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
40,000 x $0.01 = $400
Less Annual Fees -$178
Total Net Estimated Rewards Through 24 Months 702

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

Annual Fee $89
APR 17.49% or 26.49% Variable

Card Details

  • Earn 2 miles per dollar spent directly with Hawaiian Airlines, and 1 miles per dollar spent on all other purchases.
  • Get a one-time 50% off companion discount.
  • Earn 40,000 miles after your first purchase.
  • Receive 20,000 bonus miles for spending $50,000‒$99,999 annually, or 40,000 miles for at least $100,000 in spending.
  • Complimentary employee cards.
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.
Discover it® Business Card
Image of Discover it® Business Card No Annual Fee 1.50%
$0
$720
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

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

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

Annual Fee No Annual Fee
APR 14.74% to 22.74% Variable

Card Details

  • Unlimited 1.5% cash back - earn 1.5% cash back on every dollar spent on all purchases. Your rewards never expire.
  • Discover will automatically match all the cash back you've earned at the end of your first year.
  • 100% U.S. based customer service
  • No annual fee
  • Download transactions easily into Quicken, Quickbooks, and Excel.
  • Add employee cards with spending limits and earn rewards for all their purchases.
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

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

  • 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
The Blue Business℠ Plus Credit Card from American Express
$0 1.21%
$100
Limited Time Offer. Earn 10,000 extra Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. Offer ends 9/26/2018.
$580
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
Bonuses
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 12.99% - 20.99% Variable
*Rates and Fees

Card Details

  • Limited Time Offer. Earn 10,000 extra Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. Offer ends 9/26/2018.
  • 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 12.99%, 16.99% or 20.99%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee
  • 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

  • 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
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 24.74% (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.

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 13.99% - 20.99% 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 13.99% - 20.99%
  • 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
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

Business Secured Credit Card
Image of 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
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 11.9%

Card Details

  • $500 to $25,000 credit line
  • Good for Establishing or rebuilding business credit with Wells Fargo
  • Up to 10 employee cards
  • Spending reports available online
  • $25 annual fee per card
  • No foreign transaction fee
  • Zero liability protection
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 17.74% - 22.74% 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

  • No annual fee for one year, $40 each year after that
  • Online account services
  • Free employee cards
  • The minimum opening deposit is $500
  • Earn 1 point for every $1 in purchases
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
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
Delta Reserve for Business Credit Card
$450 1.08%
$840
Earn 70,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $5,000 in purchases on your new Card in your first 3 months.
$516
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
70,000 x $0.012 = $840
Less Annual Fees -$900
Total Net Estimated Rewards Through 24 Months 516

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

Annual Fee $450
APR 17.49% - 26.49% Variable
*Rates and Fees

Card Details

  • Earn 70,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $5,000 in purchases on your new Card in your first 3 months. Plus, get a 0% introductory APR for 6 months on purchases.
  • After the introductory 6 month period, the APR for purchases will be variable at 17.49%-26.49% based on your creditworthiness and other factors at account opening, and this APR will vary with the market based on the Prime Rate. Offer expires 11/07/2018.
  • 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
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 25,000 points after you spend an additional $10,000 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

  • Welcome Offer: Earn up to 75,000 Membership Rewards® points.
  • Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership.†
  • 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

Comparing Business Credit Cards Based On Perks

Depending on what issuer you have your business credit cards with, you may have access to different perks that relate to this. Below we briefly explain how different issuers compare.

  • Chase Business Credit Cards: The Ink Business Cash℠ Credit Card and the Ink Plus® Business Credit Card both allow you to set individual credit limits on the authorized users you add to the account - this is especially useful for larger companies, where you might lose track of how many cards are out in circulation, and if you want to avoid one particular employee using up your entire credit limit. Chase customers also have the ability to track spending, by tagging different receipts. This allows you to create different custom categories, that can help you see where most of your money is going.
  • American Express Business Credit Cards: Amex has one of the most robust sets of benefits for small business owners, through its American Express OPEN program. All Amex credit cards enrolled in OPEN have access to the same features Chase business card owners have, and more. One of best features of Amex OPEN is the discount cardholders can get with partnered merchants - including FedEx, HP, and Hertz. Though these discounts come with different restrictions and limitations, there is no denying that there is still a lot of value that can be derived from it.
  • Capital One Business Credit Cards: The Capital One business cards are a pretty bare bones offering. You only get quarterly and annual reports, which categorize your expenses into sections such as "merchandise", "professional services", etc., and show you how your spending breaks down. Useful for when tax season rolls around, but not much else.

Comments and Questions

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Info about the following cards: American Express® Gold Card, Delta Reserve® Credit Card from American Express, Platinum Delta SkyMiles® 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.

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