Best Business Credit Cards

Platinum Delta SkyMiles Business Credit Card from American Express Review

Platinum Delta SkyMiles? Business from American Express

Rating: 4 Stars

Bottom Line:
Upgraded Delta Perks for Business

Card Details

Regular APR:	17.74% – 26.74% Variable
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	2 miles per dollar spent on purchases made directly with Delta 1 mile on every eligible dollar spent on purchases Miles don?t expire
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$195
Card Brand:	American Express

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn 5,000 Medallion Qualification Miles (MQMs) and 35,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months. Plus, 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 $60 on a round trip Delta flight.
Find room for your carry-on and settle into your seat sooner with Main Cabin 1 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

Is Platinum Delta SkyMiles Business Credit Card from American Express worth it?

Platinum Delta SkyMiles Credit Card from American Express is a great travel card for people who fly Delta often. Perks include priority boarding, a free checked bag, and no foreign transaction fee.

Pros

30,000 bonus miles after spending $1,000 in purchases in first 90 days of account opening
Two miles on every dollar spent on Delta purchases (this means Delta.com purchases and in-flight purchases on top of Delta flights)
Check your first bag free on Delta flights
Miles contribute towards Delta’s Medallion Qualification Miles (MQMs) which can get you seat upgrades and mileage bonuses
No foreign transaction fee

Cons

Other points programs – Chase Ultimate Rewards, American Express Membership Rewards, Citi ThankYou Rewards, and Marriott Bonvoy – have simpler rewards programs
$195 annual fee

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	3% on transaction amount or $5, whichever is greater
Cash Advance Fee	3% on transaction amount or $5, whichever is greater
Penalty APR	29.99% Variable

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Travel Accident Insurance

Lost Luggage Reimbursement

Roadside Assistance

Purchase Protection

Travel Assistance

Get Started with Platinum Delta SkyMiles Business Credit Card from American Express

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Gold Delta SkyMiles Business from American Express Review

Gold Delta SkyMiles? Business Credit Card from American Express

Rating: 4 Stars

Bottom Line:
Delta Perks for Business

Apply Now

Card Details

Regular APR:	17.74% – 26.74% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	2 miles for every dollar spent on eligible purchases made directly with Delta 1 mile for every eligible dollar you spend on other purchases
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0 for the first year; then $95
Card Brand:	American Express

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Make business travel more rewarding. Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card in 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.
Find room for your carry-on and settle into your seat sooner with Main Cabin 1 Priority Boarding.
Pay no foreign transaction fees when you spend overseas.
$0 introductory annual fee for the first year, then $95. Terms and limitations apply

Is Gold Delta SkyMiles Business from American Express worth it?

Gold Delta SkyMiles Business from American Express is a great travel card for people who fly Delta fairly often. Perks include priority boarding, a free checked bag, and no foreign transaction fee. As a sidenote, the cash advance fee is 3% on the Gold Delta SkyMiles Business card and 5% on the Gold Delta SkyMiles consumer card.

Pros

30,000 bonus miles after spending $1,000 in purchases in first 90 days of account opening
Two miles on every dollar spent on Delta purchases (this means Delta.com purchases and in-flight purchases on top of Delta flights)
Check your first bag free on Delta flights
No foreign transaction fee

Cons

Other points programs – Chase Ultimate Rewards, American Express Membership Rewards, Citi ThankYou Rewards, and Marriott Bonvoy – have simpler rewards programs
Miles don’t contribute towards Delta?s Medallion Qualification Miles (MQMs) which can get you seat upgrades and mileage bonuses

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	No Balance Transfers Allowed
Cash Advance Fee	3% of transaction amount or $5, whichever is greater
Penalty APR	29.99% Variable

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Travel Accident Insurance

Lost Luggage Reimbursement

Roadside Assistance

Travel Assistance

Get Started with Gold Delta SkyMiles Business Credit Card from American Express

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Bank of America Cash Rewards Review

Bank of America? Cash Rewards Credit Card

Rating: 5 Stars

Bottom Line:
Cash Back In Categories That Are Common Expenditures

Apply Now

Card Details

Regular APR:	15.74% – 25.74% (Variable)
Intro APR (Purchases):	0% for 15 billing cycles
Intro APR (Balance transfers):	0% for 15 billing cycles on any balance transfers made in the first 60 days of account opening
Rewards Rate:	3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings 2% cash back at grocery stores and wholesale clubs Up to $2,500 in combined 3% category and 2% grocery store/wholesale club quarterly purchases 1% cash back on all other purchases
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	Mastercard?

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
No annual fee
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Earn 3% cash back on gas or your choice of one of five other popular categories, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.99% – 25.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
No expiration on rewards
If you’re a Preferred Rewards member, you can earn 25% – 75% more cash back on every purchase

Bank of America Cash Rewards worth it?

Bank of America Cash Rewards is a strong card for cardholders who spend a lot on gas, online shopping, dining, travel, drug stores or home improvements and furnishings, which earn 3% cash back and are selected by the cardholder monthly.

Pros

$200 signup bonus after spending $1000 in first 90 days of account opening
0% for 15 months on purchases and balance transfers
No annual fee

Cons

3% and 2% rewards rate is capped at $2,500 in combined purchases per quarter

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	3% of the amount of each transfer or $10, whichever is greater
Cash Advance Fee	See Terms
Penalty APR	Up to 29.99%

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Concierge Service

Extended Warranty Program

Travel Accident Insurance

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Assistance

Get Started with Bank of America Cash Rewards

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Bank of America Business Advantage Travel Rewards World Mastercard Review

Bank of America? Business Advantage Travel Rewards World Mastercard? Credit Card

Rating: 5 Stars

Bottom Line:
Travel Rewards for Business Owners With No Annual Fee

Apply Now

Card Details

Regular APR:	13.24% – 23.24% (Variable)
Intro APR (Purchases):	0% for 9 billing cycles
Intro APR (Balance transfers):	None
Rewards Rate:	3 points per dollar spent for travel booked through Bank of America?s travel center 1.5 points per dollar on all purchases and 25,000 bonus points when you spend $1,000 in first 60 days of account opening
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	Mastercard?

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn 25,000 bonus points when you make at least $1,000 in net purchases within 60 days of your account opening which can be redeemed for a $250 statement credit towards travel purchases.
Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time-no matter how much you spend. Points don’t expire.
Earn 3 points per every dollar spent on travel purchases (car, hotel, airline) booked through the Bank of America Travel Center – powered by Expedia.
No annual fee and no international transaction fees.
0% Introductory APR on purchases for your first 9 billing cycles.
Redeem points for travel with no blackout dates, cash back or gift cards.
Get a 75% rewards bonus on the base earn of every purchase you make when you’re a Business Advantage Relationship Rewards Platinum Honors tier client. That means you will earn 2.62 points for every $1 you spend and 4.12 points per every $1 you spend at the Bank of America Travel Center.

Is Bank of America Business Advantage Travel Rewards World Mastercard worth it?

Bank of America Business Advantage Travel Rewards World Mastercard is a great no-annual fee travel card with three points per dollar on travel booked through Bank of America Travel Center and a simple unlimited 1.5 points per dollar on all purchases.

Pros

Qualifying cardholders – based upon eligible cardholder account balances – receive 75% more points back on every point earned, bringing the rewards rates from 1.5 to 2.62 points and from 3 to 4.12 points; this is a significant benefit for businesses with big expenses
No annual feel
No foreign transaction fee

Cons

Only travel earns 3 points per dollar, and it must be booked through the Bank of America Travel Center

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	$0
Balance Transfer Fee	4% of the amount of each transaction or $10, whichever is greater
Cash Advance Fee	4% of the amount of each transaction or $10, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Travel Accident Insurance

Lost Luggage Reimbursement

Price Protection

Purchase Protection

Travel Assistance

Get Started with Bank of America Business Advantage Travel Rewards World Mastercard

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Bank of America Business Advantage Cash Rewards Mastercard Review

Rating: 5 Stars

Bottom Line:
High Cash Back on First $50k Spent

Apply Now

Card Details

Regular APR:	14.49% – 24.49% (Variable)
Intro APR (Purchases):	0% for 9 billing cycles
Intro APR (Balance transfers):	None
Rewards Rate:	3% cash back on the category of your choice (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter) 2% cash back on dining 1% cash back on all other purchases
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	Mastercard?

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening – with no annual fee and cash rewards don?t expire.
Earn 3% cash back in the category of your choice, 2% cash back on dining and unlimited 1% cash back on all other purchases.
You?ll get 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
0% Introductory APR on purchases for your first 9 billing cycles.
Redeem your cash rewards as a statement credit, check, or have cash deposited into a Bank of America checking or savings account.
Get 75% more cash back on every purchase when you’re a Preferred Rewards for Business Platinum Honors tier member. That means you will earn 5.25% on your selected choice category, 3.5% on dining and unlimited 1.75% cash back on all other purchases.

Is Bank of America Business Advantage Cash Rewards Mastercard worth it?

Business Advantage from Bank of America is a great card for small business owners who use the 3% cash back rewards category on the first $50,000 in purchases. With a foreign transaction fee, the Business Advantage card makes traveling internationally slightly more expensive.

Pros

$300 statement credit bonus if you spend $3,000 within the first three months
3% cash back in your choice of one of six spending categories and 2% cash back on dining purchases, up to $50,000 in combined category purchases per year
0% Intro APR for 9 billing cycles on purchases
No annual fee

Cons

3% foreign transaction fee
3% Cash back is capped at $50,000 spend
Below average 1% ongoing cash back rate

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	4% of the amount of each transaction or $10, whichever is greater
Cash Advance Fee	4% of the amount of each transaction or $10, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Travel Accident Insurance

Luggage Reimbursement

Price Protection

Purchase Protection

Roadside Assistance

Travel Assistance

Get Started with Bank of America Business Advantage Cash Rewards Mastercard

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

American Express Delta Reserve for Business Credit Card Review

Rating: 4 Stars

Bottom Line:
Delta Sky Club Included

Apply Now

Card Details

Regular APR:	17.49% – 26.49% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	2 miles per dollar spent on purchases made directly with Delta. 1 mile on every eligible dollar spent on purchases. After 1/30/2020, earn 1.5X Miles on all eligible purchases after you make $150,000 in purchases on the Card in a calendar year
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$450, $550 if application is received on or after 1/30/2020
Card Brand:	American Express

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
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.
Earn 15,000 Medallion Qualification Miles (MQMs) and 15,000 bonus miles after you spend $30,000 in eligible purchases on your new Card in the calendar year. Earn an additional 15,000 MQMs after you spend $60,000 in eligible purchases on the Card in a calendar year
Earn 2 miles per dollar spent on purchases made directly with Delta. Earn 1 mile for every eligible dollar spent on purchases. After 1/30/2020, earn 1.5X Miles on all eligible purchases after you make $150,000 in purchases on the Card in a calendar year
In-Flight Savings: Earn an additional 15,000 MQMs after you spend $60,000 in eligible purchases on the Card in a calendar year
Receive a Domestic First Class, Delta Comfort+ or Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card
Find room for your carry-on and settle into your seat sooner with Main Cabin 1 Priority Boarding.
First Checked Bag Free: You can check your first bag for free and save up to $60 on a round-trip Delta flight
Pay no foreign transaction fees when you spend overseas.
Enter Delta Sky Club at no cost and bring up two guests for an exclusive rate of $29 per person per visit.
Baggage Insurance Plan: Coverage can be provided for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, or bus)

Is American Express Delta Reserve for Business Credit Card worth it?

Delta Reserve for Business from American Express is a great travel card for people who fly Delta often and plan to earn Medallion status, which offers seat upgrades and mileage bonuses. Perks include priority boarding, a free checked bag, free Delta Sky Club access, and no foreign transaction fee.

Delta Reserve for Business from American Express rivals American Express Business Platinum, which also provides Delta Sky Club access. However, most people would be better served with American Express Business Platinum, because it offers rewards in the form of Membership Rewards points, which can be transferred at a 1:1 ratio to Delta Air Lines on top of Aer Lingus’ AerClub, Air Canada’s Aeroplan, All Nippon Airways, Asia Miles, British Airways, Etihad Airways, Hawaiian Airlines, Iberia Plua, Singapore Airlines’ KrisFlyer, Virgin Atlantic’s FlyingClub, as well as to Choice Privileges and Marriott Bonvoy hotel groups.

Pros

40,000 bonus miles after spending $3,000 in purchases in first 90 days of account opening
Two miles on every dollar spent on Delta purchases (this means Delta.com purchases and in-flight purchases as well as Delta flights)
Check your first bag free on Delta flights
Miles contribute towards Delta’s Medallion Qualification Miles (MQMs) which can get you seat upgrades and mileage bonuses
No foreign transaction fee

Cons

Other points programs – Chase Ultimate Rewards, American Express Membership Rewards, Citi ThankYou Rewards, and Marriott Bonvoy – have simpler rewards programs
$450 annual fee

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	$0
Balance Transfer Fee	3% of the transaction amount or $5, whichever is greater
Cash Advance Fee	5% of the transaction amount or $10, whichever is greater
Penalty APR	Up to 29.99%

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Travel Accident Insurance

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Get Started with American Express Delta Reserve for Business Credit Card

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

American Express Blue Business Plus Credit Card Review

Rating: 5 Stars

Bottom Line:
Starter Business Points

Apply Now

Card Details

Regular APR:	15.24% – 21.24% (Variable)
Intro APR (Purchases):	0% for 12 months
Intro APR (Balance transfers):	0% for 12 months
Rewards Rate:	Earn 2X Membership Rewards points on everyday business purchases up to $50,000, then 1X
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	American Express

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn 2X Membership Rewards points on everyday business purchases up to $50,000, then 1X.
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
Ability to spend above the credit limit with Expanded Buying Power
Just remember, 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% introductory APR on purchases and balance transfers for 12 months. After that your APR will be a variable rate, currently 14.74% – 20.74%, based on your creditworthiness and other factors as determined at the time of account opening.
No Annual Fee

Is American Express Blue Business Plus worth it?

American Express Blue Business Cash is a solid starter card for businesses with 2X Membership Rewards points on everyday business purchases up to $50,000 per calendar year, then 1X on all purchases thereafter. That means any purchase you make for your business will earn 2X points.

To earn 2X Membership Rewards points and get their face value, you must redeem them for eligible purchases, such as air, prepaid hotels, vacation packages (flight + hotel packages) or cruise reservations. Those categories cover almost everything in travel, but it’s important to note that for car reservations, non-prepaid hotels, and ticketing services, your points have half the value.

With no annual fee and a 12 month intro period on purchases and balance transfers, this may be a good card for someone starting a business who travels. This card is almost identical to American Express Blue Business Cash, except as noted it earns American Express Membership Rewards points, which have the highest value when redeemed for travel, instead of cash back.

Pros

2X Membership Rewards points on everyday business purchases up to $50,000
Allows some spending above your credit limit
No annual fee

Cons

Lower than average ongoing travel rewards rate

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	2.7%
Balance Transfer Fee	3% on transaction amount or $5, whichever is greater
Cash Advance Fee	No Cash Advances Allowed
Penalty APR	29.99% APR

Benefits

$0 Fraud Liability

Travel Accident Insurance

Purchase Protection

Get Started with American Express Blue Business Plus

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

American Express Blue Business Cash Credit Card Review

Rating: 5 Stars

Bottom Line:
Starter Business Cash Back

Apply Now

Card Details

Regular APR:	15.24% – 21.24% (Variable)
Intro APR (Purchases):	0% for 12 months
Intro APR (Balance transfers):	0% for 12 months
Rewards Rate:	2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	American Express

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
Just remember, 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 12 months, then a variable rate, 15.24%, 18.24%, or 21.24%, based on your creditworthiness and other factors as determined at the time of account opening.
No Annual Fee
Terms Apply

Is American Express Blue Business Cash worth it?

American Express Blue Business Cash is a solid starter card for businesses with 2% cash back on eligible purchases on up to $50,000 per calendar year, then 1% on all purchases thereafter. Together with no annual fee and a 12 month intro period on purchases, this may be a good card for someone starting a business.

Pros

2% cash back on all eligible purchases on up to $50,000 per calendar year
Allows some spending above your credit limit
No annual fee

Cons

Lower than average 1% ongoing cash back rate among cash back cards

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	2.7%
Balance Transfer Fee	3% on transaction amount or $5, whichever is greater
Cash Advance Fee	No Cash Advances Allowed
Penalty APR	29.99% APR

Benefits

$0 Fraud Liability

Travel Accident Insurance

Purchase Protection

Get Started with American Express Blue Business Cash

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

American Express Business Platinum Card Review

The Platinum? Card from American Express Credit Card

Rating: 4 Stars

Bottom Line:
For Business Travelers with Travel Expenses

Apply Now

Card Details

Regular APR:	If you activate Pay Over Time: 19.74%
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	5 Membership Rewards points per dollar on flights and prepaid hotels on amextravel.com 1.5X points per dollar on eligible purchases of $5,000 or more (that’s an extra half point per dollar). Up to 1 million additional points per year 1X points for each dollar you spend on eligible purchases
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$595
Card Brand:	American Express

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn up to 110,000 Membership Rewards points
Earn 60,000 points after you spend $10,000 and an extra 50,000 points after you spend an additional $15,000 all on qualifying purchases on the Business Platinum Card within your first 3 months of Card Membership
Get 5X Membership Rewards points on flights and prepaid hotels on amextravel.com
Make Business Purchases Rewarding. Get 50% More Points on Purchases of $5k or more and use points for flights and Get 35% Points Back
$200 Airline Fee Credit. Select one qualifying airline and get a statement credit of up to $200 a calendar year for baggage fees and more
Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply
Enjoy the highest levels of luxury at any of our own networks, The Centurion Lounge and The International American Express lounges, or visit one of our partners including Delta Sky Clu^? when flying Delta or a Priority Pass Select lounge once enrolled
Receive a statement credit every 4 years after you apply for Global Entry ($100) or every 4.5 years after you apply for TSA Pre ($85)
When you book through Fine Hotels & Resorts, receive complimentary benefits including a room upgrade upon arrival when available, daily breakfast for two people, guaranteed 4pm late check-out, noon check-in when available, complimentary Wi-Fi, and a unique amenity valued at US $100, such as a food & and beverage credit or one-way private sedan transfer
As a Business Platinum Card Member, you can upgrade to Marriott Bonvoy Gold Elite status without meeting any stay requirements
With Hilton Honors Gold status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio and earn reward stays faster with Hilton Honors Bonus Points
Platinum travel counselors specialize in providing custom itineraries and tailored recommendations to help you make the most of your travels
For air transportation provided by Delta, a Card Member who purchases a Delta Private Jet Card is entitled to a 20% discount off published fares for select fare classes in effect when booked

Is American Express Business Platinum Card worth it?

Business Platinum from American Express is a great charge card for business travelers who travel often enough to gain rewards that more than make up for the $595 annual fee. Cardholders earn 5 Membership Rewards points per dollar on flights and prepaid hotels on amextravel.com.

If you need to carry a balance, you can use American Express’ Pay Over Time feature at an APR of 19.74%. You essentially now have a credit card, but not all charges will get carried over into the next month. You choose between the Extended Payment Option, where charges over $100 are automatically moved into your Pay Over Time balance, Select & Pay Later, where you manually choose charges over $100 to move into your Pay Over Time balance, or Sign & Travel, where airline tickets, hotel stays, car rentals, cruises and charges in other countries are moved into your Pay Over Time balance. It’s not the simplest program but whichever choice you select, you basically now have a credit card, where you can choose to pay the full balance, the minimum payment, or anything in between. This is in contrast to what would normally happen with a charge card, where you are required to pay the full balance every month, and if you don’t, you incur a late fee even if you pay an amount that would be above what would be considered the normal minimum payment if the card were a credit card. Charge cards also don’t impact your credit, because you are not extended a credit line.

Pros

5X points on airfare and prepaid hotel rooms on AmexTravel.com
High Intro bonus of up to 100,000 bonus points – 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 in first 90 days after account opening
No foreign transaction fees

Cons

$595 Annual fee
Not the highest unlimited rewards rate on all other purchases

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	No Balance Transfers Allowed
Cash Advance Fee	No Cash Advances Allowed
Penalty APR	Up to 29.99%

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Concierge Service

Extended Warranty Program

Travel Accident Insurance

Lost Luggage Reimbursement

Purchase Protection

Get Started with American Express Business Platinum Card

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

American Express Business Green Rewards Card Review

Rating: 4 Stars

Bottom Line:
Business Charge Card

Apply Now

Card Details

Regular APR:	If you activate Pay Over Time: 19.74%
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	2 points per dollar you spend on eligible purchases at amextravel.com 1 point for each dollar you spend on eligible purchases
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0 for first year, then $95
Card Brand:	American Express

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn 15,000 Membership Rewards points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership
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 annual fee for first year, then $95 Annual Fee

Is American Express Business Green Rewards Card worth it?

American Express Business Green Rewards is a solid charge card for small businesses with good, but not great travel rewards. As a charge card, the balance must be paid in full each month, but there is no preset spending limit.

If you need to carry a balance, you can use American Express’ Pay Over Time feature at an APR of 19.74%. You essentially now have a credit card, but not all charges will get carried over into the next month. You choose between the Extended Payment Option, where charges over $100 are automatically moved into your Pay Over Time balance, Select & Pay Later, where you manually choose charges over $100 to move into your Pay Over Time balance, or Sign & Travel, where airline tickets, hotel stays, car rentals, cruises and charges in other countries are moved into your Pay Over Time balance. It’s not the simplest program but whichever choice you select, you basically now have a credit card, where you can choose to pay the full balance, the minimum payment, or anything in between. This is in contrast to what would normally happen with a charge card, where you are required to pay the full balance every month, and if you don’t, you incur a late fee even if you pay an amount that would be above what would be considered the normal minimum payment if the card were a credit card. Charge cards also don’t impact your credit, because you are not extended a credit line.

Pros

No preset spending limit – charge card
2x points on purchases made through Amex Travel

Cons

$95 Annual fee
No Intro APR to fund business purchases

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	2.7%
Balance Transfer Fee	No Balance Transfers Allowed
Cash Advance Fee	No Cash Advances Allowed
Penalty APR	Up to 29.99%

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Travel Accident Insurance

Lost Luggage Reimbursement

Purchase Protection

Get Started with American Express Business Green Rewards Card

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

American Express Business Gold Review

American Express Business Gold Credit Card

Rating: 4 Stars

Bottom Line:
Cost-Effective Business Rewards

Apply Now

Card Details

Regular APR:	If you activate Pay Over Time: 16.24% – 24.24% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	4 Membership Rewards points per dollar on the two select categories where your business spent the most each billing cycle (first $150,000 in purchases yearly)
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$295
Card Brand:	American Express

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn up to $500 back in the form of statement credits by purchasing qualifying services with FedEx using your American Express? Business Gold Card within the first 3 months of Card membership.
Limited time Offer ends 11/06/2019.*
MORE REWARDS: Get 4X Membership Rewards points on the 2 select categories where your business spent the most each month
4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.
AIRLINE BONUS: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.
PAY OVER TIME OPTION: A flexible payment option to help manage cash flow on purchases of $100 or more.
EXPENSE MANAGEMENT TOOLS: Connect to Quickbooks, access SpendManagerSM, receive a Year-End Summary, and more.

Is American Express Business Gold worth it?

American Express Business Gold is a great card for small businesses with significant travel, shipping, gas, restaurant, advertising, and computer purchases made directly from select providers. These expenses earn 4x points on the American Express Gold Business Card. The $295 annual fee will be worth it for businesses that spend and use the rewards.

If you need to carry a balance, you can use American Express Pay Over Time feature at an APR of 19.74%. You essentially now have a credit card, but not all charges will get carried over into the next month. You choose between the Extended Payment Option, where charges over $100 are automatically moved into your Pay Over Time balance, Select & Pay Later, where you manually choose charges over $100 to move into your Pay Over Time balance, or Sign & Travel, where airline tickets, hotel stays, car rentals, cruises and charges in other countries are moved into your Pay Over Time balance. It’s not the simplest program but whichever choice you select, you basically now have a credit card, where you can choose to pay the full balance, the minimum payment, or anything in between. This is in contrast to what would normally happen with a charge card, where you are required to pay the full balance every month, and if you don’t, you incur a late fee even if you pay an amount that would be above what would be considered the normal minimum payment if the card were a credit card. Charge cards also don’t impact your credit, because you are not extended a credit line.

Pros

25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year – Amex Travel offers rates comparable to major travel sites
4x points for a number of business expense categories

Cons

$295 Annual fee
No Intro APR to fund business purchases

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	N/A
Cash Advance Fee	N/A
Penalty APR	Up to 29.99%

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Concierge Service

Extended Warranty Program

Travel Accident Insurance

Lost Luggage Reimbursement

Purchase Protection

Travel Assistance

Get Started with American Express Business Gold

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

CitiBusiness / AAdvantage Platinum Select World Mastercard Review

CitiBusiness? / AAdvantage? Platinum Select? World Mastercard? Credit Card

Rating: 5 Stars

Bottom Line:
For American Airlines Business Travelers

Apply Now

Card Details

Regular APR:	17.74% – 25.74% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	2 AAdvantage miles per dollar on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations* 1 AAdvantage mile per dollar on other purchases
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0 in first year, $99 after first year
Card Brand:	Mastercard

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Designed for businesses
Earn 60,000 American Airlines AAdvantage bonus miles after making $3,000 in purchases in first 3 months of account opening
First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line*
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*

Is CitiBusiness / AAdvantage Platinum Select World Mastercard worth it?

CitiBusiness / AAdvantage Platinum Select World Mastercard is a great card for business owners who fly American Airlines.

Pros

Intro bonus of 60,000 American Airlines AAdvantage bonus miles after $3,000 spent in first 90 days of account opening
Solid rewards rate on American Airlines travel and business purchases – earn 2 AAdvantage miles per dollar spent on eligible Ameircan Airlines purchases, gas stations, telecommunications merchants, cable and satellite providers, and car rental merchants
No foreign transaction fee

Cons

$99 fee after first year
Travel perks are specific to American Airlines

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	No Balance Transfers Allowed
Cash Advance Fee	5% of the transaction amount or $10, whichever is greater
Penalty APR	Up to 29.99% (Variable)

Benefits

$0 Fraud Liability

Concierge Service

Get Started with CitiBusiness / AAdvantage Platinum Select World Mastercard

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Chase Ink Business Cash Credit Card Review

Rating: 5 Stars

Bottom Line:
Starter Business Cash Back Card

Apply Now

Card Details

Regular APR:	15.24% – 21.24% (Variable)
Intro APR (Purchases):	0% for 12 months
Intro APR (Balance transfers):	0% for 12 months
Rewards Rate:	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 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year 1% unlimited cash back on all other card purchases.
Credit Needed:	(740-850) Excellent
Annual Fee:	$0
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
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
Employee cards at no additional cost
No Annual Fee

Is Chase Ink Business Cash Credit Card worth it?

Ink Business Cash from Chase is a great card for small business owners whose expenses are at least $25,000 and who spend a lot on office supplies and phone, internet, or cable TV service. These categories receive 5% cash back on the first $25,000 spent.

Pros

Intro bonus of $500 after you spend $3,000 on purchases in first 90 days from account opening
Free employee cards
No foreign transaction fees
No annual fee
Rewards redemption value increases when you combine rewards with any of several annual fee Chase cards

Cons

5% and 2% cash back rates are capped at $25,000 in combined purchases
Foreign transaction fee

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	5% on transaction amount or $5, whichever is greater
Cash Advance Fee	5% on transaction amount or $5, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Purchase Protection

Roadside Assistance

Travel Assistance

Get Started with Chase Ink Business Cash Credit Card

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Chase Ink Business Unlimited Credit Card Review

Rating: 5 Stars

Bottom Line:
Growing Business Card

Apply Now

Card Details

Regular APR:	15.24% – 21.24% (Variable)
Intro APR (Purchases):	0% for 12 months
Intro APR (Balance transfers):	None
Rewards Rate:	Unlimited 1.5% cash back on every business purchase
Credit Needed:	(740-850) Excellent
Annual Fee:	$0
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
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
Employee cards at no additional cost
No Annual Fee

Is Chase Ink Business Unlimited Credit Card worth it?

Ink Business Unlimited from Chase is a simple business cash back card. With unlimited 1.5% cash back, no annual fee, a 12 month intro period on purchases, and free employee cards this may be a good card for someone growing a business.

Pros

No annual fee
Free employee cards
Rewards redemption value increases when you combine rewards with any of several annual fee Chase cards

Cons

Foreign transaction fee

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	5% on transaction amount or $5, whichever is greater
Cash Advance Fee	5% on transaction amount or $15, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Purchase Protection

Roadside Assistance

Travel Assistance

Get Started with Chase Ink Business Unlimited Credit Card

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Chase Ink Business Preferred Credit Card Review

Rating: 5 Stars

Bottom Line:
Rewards On Common Business Expenses

Apply Now

Card Details

Regular APR:	18.24% – 23.24% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	3x points on first $150,000 spent on travel, shipping, Internet, cable, phone, and advertisements on social media and search sites Unlimited 1 point per $1 spent elsewhere
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$95
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
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

Is Chase Ink Business Preferred Credit Card worth it?

Ink Business Preferred from Chase is a great card for small businesses with significant travel, shipping, online advertisement, internet, cable, and/or phone expenses. These expenses earn 3x points on the Chase Ink Business Preferred card.

Pros

80,000 Ultimate Rewards points if you spend $5,000 within the first three months is valued at $1,000 through the Ultimate Rewards portal or can be transferred
Reasonable annual fee
3x points for a number of business expense categories

Cons

3X points are capped at $150,000 spend
No Intro APR to fund business purchases

Why 5 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

5 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	5% of the amount of each transaction or $5, whichever is greater
Cash Advance Fee	5% of the amount of each transaction or $15, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Travel Accident Insurance

Lost Luggage Reimbursement

Purchase Protection

Travel Assistance

Get Started with Chase Ink Business Preferred Credit Card

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.