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Best Credit Cards For Excellent Credit

American Express Plum Card Review

American Express Plum

Rating: 4 Stars

Bottom Line:
Extra 30 Days Without Interest

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 4 Stars?Fees
Benefits

Card Details

Regular APR:None
Intro APR (Purchases):None
Intro APR (Balance transfers):None
Rewards Rate:None
Credit Needed:(740 – 850) Excellent
Annual Fee:$0 for the first year, then $250
Card Brand:American Express

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

Offer Highlights

  • Click APPLY NOW to apply online
  • Pay early, get cash back. Earn an unlimited 1.5% Early Pay Discount with the Plum Card.
  • Stay in control of your cash flow with up to 60 days to pay with no interest.
  • Power to buy big. New possibilities for your business.
  • $0 intro annual fee for the first year, then $250
  • Earn up to $600 back. To appear as three $200 credits. To be eligible to earn each statement credit, you must charge $10,000 in eligible purchase during the first 3 months of Card membership, starting from the date your account is approved
  • The Plum Card has no preset spending limit, which gives you purchasing power that can adjust with your use of the Card and other factors.
  • Get additional flexibility with Employee Plum Cards at no additional annual fee.

Is American Express Plum Card worth it?

American Express Plum Card is a great card for businesses with variable expenses or cash flow. Cardholders get an unlimited 1.5% early pay discount and up to 60 days interest free. There is no annual fee for the first year, then $250.

Just because the card doesn’t have an APR, doesn’t mean you won’t be charged for paying late. The late payment is $39 or 1.5% of the past due amount, whichever is greater. If you do not pay for two billing periods in a row, the fee is the greater of $39 or 2.99% of the past due amount.

Typically, you would only be charged up to $28 the first time you are late, as defined by the Consumer Financial Protection Bureau. Then, if you are late a second time within the next six billing cycles, you can be charged up to $39, with the late fee never surpassing the amount due. This is why credit card terms typically state “up to $39” as the late fee amount.

However, with American Express Plum the first late fee is $39 or 1.5% of the past due amount, which is a big deal if your business just made a $40,000 purchase on your card, which would be a $600 fee. This is how many American Express charge cards operate. For example, American Express Business Gold, American Express Business Platinum, and American Express? Business Green Rewards all have a late fee of the greater of $39 or 2.99% of any past due Pay in Full amount, which is all transactions not deferred.

As mentioned, American Express has a number of charge cards: American Express Business Green Rewards, American Express Business Platinum and American Express Platinum, and American Express Business Gold and American Express Gold Card. These cards offer the Pay Over Time feature, which allows you to manually or automatically select all purchases or some travel purchases, and pay a minimum payment instead of having to pay all purchases during the current billing period.

In contrast, American Express Plum offers an extra 30 days interest on any remaining balance beyond meeting your minimum payment. The minimum payment is simple: it’s 10% of the balance you are carrying, with the balance of course including any charges from the current billing period as well as any deferred charges you carried into the current billing period. As long as you meet this minimum payment, you pay no interest on remaining charges for an extra 30 days. In total, this is like getting 60 days to pay with no interest.

The flip side of this deal is that if you can pay off the balance, you will get a statement credit 1.5% bonus, which is like unlimited 1.5% cash back because you can do it every month. The challenge with this benefit is you need to pay within a short 10 day window immediately after the statement closing date to get the “early pay” refund. It’s an odd requirement.

If paying within a short window is too much to add to your schedule, you might be better off with another business card that you can pay at any time and still get a 1.5% rewards rate or better. Capital One Spark Cash Select for Business and Chase Ink Business Unlimited both earn unlimited 1.5% cash back and have no annual fee. That said, if the 60 days without interest is important to your business, The Plum Card is a great card for you.

Pros

  • No interest for 60 days
  • Unlimited 1.5% early pay discount

Cons

  • $250 annual fee starting second year
  • Must pay within 10 day window after the statement closing date if you want the discount

Why 4 Stars?

Regular APR


4 Stars

Intro APR


5 Stars

Fees


4 Stars

Perks


5 Stars. ?????

Overall


4 Stars. ????

Fees

Foreign Transaction Fee$0
Balance Transfer FeeNo Balance Transfers Allowed
Cash Advance FeeNo Cash Advances Allowed
Penalty APRN/A

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Purchase Protection
Travel and Emergency Assistance
Get Started with American Express Plum Card

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.

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Best American Express Credit Cards, Best Charge Cards, Best Credit Cards For Excellent Credit, Best Credit Cards For Rental Car Insurance, Best No Foreign Transaction Fee Credit Cards, Best Purchase Protection Credit Cards, Other

Citi / AAdvantage Executive World Elite Mastercard Review

Citi? / AAdvantage? Executive World Elite? Mastercard?

Rating: 4 Stars

Bottom Line:
Admirals Club Lounge Access

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 4 Stars?Fees
Benefits

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 eligible American Airlines purchases

1 AAdvantage mile per dollar on other purchases
Credit Needed:(740 – 850) Excellent
Annual Fee:$450
Card Brand:Mastercard

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

Offer Highlights

  • Click APPLY NOW to apply online
  • Earn 50,000 American Airlines AAdvantage? bonus miles after spending $5,000 in purchases within the first 3 months of account opening
  • Admirals Club membership for you and access for guests traveling with you
  • Complimentary Admirals Club lounge access for authorized users
  • Earn 10,000 AAdvantage Elite Qualifying Miles (EQMs) after you spend $40,000 in purchases within the year
  • No Foreign Transaction Fees on purchases*
  • Earn 2 AAdvantage miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage mile for every $1 spent on other purchases
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation

Is Citi / AAdvantage Executive World Elite Mastercard worth it?

Citi / AAdvantage Executive World Elite Mastercard is a great card for travelers who fly American Airlines frequently. This card offers Admirals Club lounge access as a perk.

Pros

  • Intro bonus of 50,000 American Airlines AAdvantage bonus miles after $5,000 spent in first 90 days of account opening
  • Solid rewards rate on American Airlines travel and dining – earn 2 AAdvantage miles per dollar spent on eligible American Airlines purchases, 1 AAdvantage mile per dollar spent on other purchases
  • Free Admirals Club Access – $550-$650 value
  • No foreign transaction fee

Cons

  • $450 annual fee

Why 4 Stars?

Regular APR


4 Stars

Intro APR


4 Stars

Fees


4 Stars

Perks


4 Stars

Overall


4 Stars

Fees

Foreign Transaction Fee0%
Balance Transfer Fee3% of the balance transfer amount or $5, whichever is greater
Cash Advance Fee5% of the transaction amount or $10, whichever is greater
Penalty APRUp to 29.99% (Variable)

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 Citi / AAdvantage Executive World Elite Mastercard

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.

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Best American Airlines Credit Cards, Best Citi Credit Cards, Best Credit Cards For Excellent Credit, Best Credit Cards For Extended Warranties, Best Credit Cards For Rental Car Insurance, Best Credit Cards For Roadside Assistance, Best Credit Cards For Travel Insurance, Best Credit Cards To Book Flights, Best Credit Cards With Lounge Access, Best Mastercard Credit Cards, Best No Foreign Transaction Fee Credit Cards, Best OneWorld Alliance Credit Cards, Best Premium Credit Cards, Best Purchase Protection Credit Cards, Best Travel Credit Cards

Chase Southwest Rapid Rewards Priority Card Review

Chase Southwest Rapid-Rewards Priority Credit Card

Rating: 4 Stars

Bottom Line:
Perks For Southwest Airlines Travelers

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 4 Stars?Fees
Benefits

Card Details

Regular APR:17.99% – 24.99% (Variable)
Intro APR (Purchases):None
Intro APR (Balance transfers):None
Rewards Rate: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
Credit Needed:(740-850) Excellent
Annual Fee:$149
Card Brand:Visa

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

Offer Highlights

  • Click APPLY NOW to apply online
  • Earn up to 60,000 points. Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open. Plus, earn 20,000 points after you spend $12,000 on purchases in the first 12 months your account is open
  • 7,500 bonus points after your Cardmember anniversary.
  • $75 Southwest travel credit each year.
  • 4 Upgraded Boardings per year when available.
  • 20% back on in-flight drinks and WiFi.
  • 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.
  • No foreign transaction fees.

Is Chase Southwest Rapid Rewards Priority Card worth it?

Chase Southwest Rapid Rewards Priority is a great card for travelers who fly Southwest frequently with a significant intro bonus of up to 60,000 points by the end of the first year and perks; for example, cardholders receive four upgraded boardings per year when available.

Pros

  • 40,000 one-time bonus points offer after you spend $1,000 on purchases within 3 months of account opening
  • $75 annual travel credit
  • 2 points per dollar on Southwest purchases and Rapid Rewards hotel and car rental partner purchases
  • No foreign transaction fee

Cons

  • $149 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 FeeNone
Balance Transfer Fee5% of the amount of each transfer or $5, whichever is greater
Cash Advance Fee5% of the amount of each transaction or $10, whichever is greater
Penalty APRNone

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 Chase Southwest Rapid Rewards Priority Card

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.

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Chase Southwest Rapid Rewards Premier Card Review

Chase Southwest Rapid Rewards? Premier Card

Rating: 4 Stars

Bottom Line:
For Southwest Airlines Travelers

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 4 Stars?Fees
Benefits

Card Details

Regular APR:17.99% – 24.99% (Variable)
Intro APR (Purchases):None
Intro APR (Balance transfers):None
Rewards Rate: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
Credit Needed:(740-850) Excellent
Annual Fee:$99
Card Brand:Visa

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

Offer Highlights

  • Click APPLY NOW to apply online
  • Earn up to 60,000 points. Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open. Plus, earn 20,000 points after you spend $12,000 on purchases in the first 12 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.
  • No blackout dates or seat restrictions.
  • Redeem your points for flights, hotel stays, gift cards, access to events, and more.
  • No foreign transaction fees

Is Chase Southwest Rapid Rewards Premier Card worth it?

Chase Southwest Rapid Rewards Premier is a great card for travelers who fly Southwest frequently with a significant intro bonus of up to 60,000 points by the end of the first year.

Pros

  • 40,000 one-time bonus points offer after you spend $1,000 on purchases within 3 months of account opening
  • 2 points per dollar on Southwest purchases and Rapid Rewards? hotel and car rental partner purchases
  • No foreign transaction fee

Cons

  • $99 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 FeeNone
Balance Transfer Fee$5 or 5% of the amount of each transfer, whichever is greater
Cash Advance Fee3% of transaction amount or $10, whichever is greater
Penalty APRNone

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Baggage Delay Insurance
Concierge Service
Extended Warranty Program
Travel Accident Insurance
Lost Luggage Reimbursement
Purchase Protection
Roadside Assistance
Travel Assistance
Get Started with Chase Southwest Rapid Rewards Premier Card

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.

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

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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.

Best Chase Credit Cards, Best Credit Cards For Excellent Credit, Best Credit Cards For Extended Warranties, Best Credit Cards For Rental Car Insurance, Best Credit Cards For Roadside Assistance, Best Credit Cards For Travel Insurance, Best Credit Cards To Book Flights, Best No Foreign Transaction Fee Credit Cards, Best Purchase Protection Credit Cards, Best Southwest Airlines Credit Cards, Best Travel Credit Cards, Best Visa Credit Cards

Chase Sapphire Reserve Card Review

Chase Sapphire Reserve Credit Card

Rating: 4 Stars

Bottom Line:
Significant Travel Rewards For A Significant Fee

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 4 Stars?Fees
Benefits

Card Details

Regular APR:18.99% – 25.99% (Variable)
Intro APR (Purchases):None
Intro APR (Balance transfers):None
Rewards Rate:3 points per dollar immediately after earning your $300 travel credit

3 points per dollar on dining at restaurants

1 point per dollar spent on all other purchases
Credit Needed:(740-850) Excellent
Annual Fee:$450
Card Brand:Visa

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

Offer Highlights

  • Click APPLY NOW to apply online
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That?s $750 toward travel when you redeem through Chase Ultimate Rewards
  • Named ‘Best Premium Travel Credit Card’ for 2018 by MONEY Magazine
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases.
  • $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass Select
  • Up to $100 application fee credit for Global Entry or TSA Pre

Is Chase Sapphire Reserve Card worth it?

Sapphire Reserve from Chase is a great card with a generous rewards program that more than pays for the annual fee in most cases. It is especially valuable for travelers. Cardholders receive points on all purchases and get an extra 50% in points rewards when redeemed for travel through Chase Ultimate Rewards.

Pros

  • 50,000 one-time bonus points offer after you spend $4,000 on purchases within 3 months of account opening
  • $300 annual travel credit
  • 3 points per dollar on travel and dining purchases
  • No foreign transaction fees and no penalty APR

Cons

  • $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 FeeNone
Balance Transfer Fee5% of the amount of each transfer or $5, whichever is greater
Cash Advance Fee5% of the amount of each transaction or $10, whichever is greater
Penalty APRNone

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Concierge Service
Extended Warranty Program
Travel Accident Insurance
Purchase Protection
Roadside Assistance
Travel Assistance
Get Started with Chase Sapphire Reserve Card Card

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:

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Chase Ink Business Unlimited Credit Card Review

Chase Ink Business Unlimited? Credit Card

Rating: 5 Stars

Bottom Line:
Growing Business Card

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 5 Stars?Fees
Benefits

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 Fee3%
Balance Transfer Fee5% on transaction amount or $5, whichever is greater
Cash Advance Fee5% on transaction amount or $15, whichever is greater
Penalty APRNone

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

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.

Best Business Credit Cards, Best Cash Back Credit Cards, Best Chase Credit Cards, Best Credit Cards, Best Credit Cards For Big Purchases, Best Credit Cards For Excellent Credit, Best Credit Cards For Extended Warranties, Best Credit Cards For High Spenders, Best Credit Cards For Nonprofits, Best Credit Cards For Rental Car Insurance, Best Credit Cards For Roadside Assistance, Best No Annual Fee Credit Cards, Best No Interest Credit Cards, Best Purchase Protection Credit Cards, Best Travel Credit Cards With No Annual Fee, Best Visa Credit Cards

Chase Ink Business Preferred Credit Card Review

Rating: 5 Stars

Bottom Line:
Rewards On Common Business Expenses

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 5 Stars?Fees
Benefits

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 FeeNone
Balance Transfer Fee5% of the amount of each transaction or $5, whichever is greater
Cash Advance Fee5% of the amount of each transaction or $15, whichever is greater
Penalty APRNone

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

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.

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United MileagePlus Explorer Business Card Review

United-MileagePlus-Explorer-Business-Card

Rating: 4 Stars

Bottom Line:
For United Business Travelers

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 4 Stars?Fees
Benefits

Card Details

Regular APR:17.74 ? 24.74 (Variable)
Intro APR (Purchases):None
Intro APR (Balance transfers):None
Rewards Rate:2 miles per $1 spent on United purchases, gas stations, office supply stores and restaurants

1 mile per $1 spent on all other purchases
Credit Needed:(740 – 850) Excellent
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
  • Up to 100,000 bonus miles: 50,000 bonus miles after you spend $5,000 in purchases in the first 3 months your account is open. Plus, an additional 50,000 bonus miles after you spend $25,000 total in purchases in the first 6 months your account is open
  • 2 miles per $1 spent on United purchases
  • 2 miles per $1 spent at gas stations, office supply stores and restaurants
  • 1 mile per $1 spent on all other purchases
  • Employee Cards at no additional cost Miles earned from their purchases accrue in your account so you can earn rewards faster
  • 2 United Club one-time passes after account opening and on each anniversary ? over a $100 value per year
  • Free first checked bag: Save up to $120 per roundtrip
  • Priority boarding: Board United-operated flights prior to general boarding

Is United MileagePlus Explorer Business Card worth it?

United MileagePlus Explorer Business is a great card for people who fly United a few times a year for business, especially if you spend $5,000 per month in your business.

At a $95 annual fee, United MileagePlus Explorer Business is significantly less expensive than $450 annual fee United MileagePlus Club Business, which comes with United Club lounge access, free first and second checked bags, and Premier status offering priority check-in and the opportunity for and complimentary upgrades.

United MileagePlus Explorer Business cardholders receive only 2 one-time United Club passes, a free first checked bag, and no automatic Premier status, but you do get not only 2 miles per $1 spent on United purchases but 2 miles per $1 spent at gas stations, office supply stores and restaurants.

Businesses with over $25,000 in spending in the first 6 months, a little less than $5000 per month, receive 50,000 bonus miles, on top of the bonus 50,000 miles you receive for spending $5,000 in the first 3 months after signup. United Miles are worth about one to one and a half cents depending on if you redeem for the cheaper Saver fare or for the Everyday fare, which has more availability, so these miles are worth $1000 – $1500 in United airfare.

If you don?t fly United for business that often, and especially if you spend more than $5000 per month in your business, United MileagePlus Explorer Business is a great card for you.

Pros

  • Up to 100,000 bonus miles: 50,000 bonus miles after you spend $5,000 in purchases in the first 3 months your account is open. Plus, an additional 50,000 bonus miles after you spend $25,000 total in purchases in the first 6 months
  • 2 miles per $1 spent on United purchases
  • 2 miles per $1 spent at gas stations, office supply stores and restaurants
  • Redeem points on Star Alliance Partner airlines including Asiana Airlines, Avianca, Lufthansa, Swiss Air, Thai Airways, and more than 10 more.

Cons

  • $95 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 FeeNone
Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater
Cash Advance FeeEither $15 or 5% of the amount of each transaction, whichever is greater
Penalty APR29.99%

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Baggage Delay Reimbursement
Concierge Service
Emergency Card Replacement
Emergency Cash Disbursement
Extended Warranty Protection
Lost Luggage Reimbursement
Travel Accident Insurance
Price Protection
Purchase Protection
Return Protection
Roadside Dispatch
Travel and Emergency Assistance
Trip Cancellation/Trip Interruption Reimbursement
Trip Delay Reimbursement
Get Started with United MileagePlus Explorer Business Card

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.

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United MileagePlus Club Card Review

United-MileagePlus-Club-Card

Rating: 4 Stars

Bottom Line:
United Club and Star Alliance Partner Lounge Access

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 4 Stars?Fees
Benefits

Card Details

Regular APR:18.24 – 25.24% (Variable)
Intro APR (Purchases):None
Intro APR (Balance transfers):None
Rewards Rate:Earn rewards faster with 1.5 miles per $1 spent on purchases
Credit Needed:(740 – 850) Excellent
Annual Fee:$450
Card Brand:Visa

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

Offer Highlights

  • Click APPLY NOW to apply online
  • 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open
  • 1.5 miles per $1 spent on all other purchases
  • United Club membership: Enjoy access to United Club locations and participating Star Alliance affiliated lounges worldwide – up to a $650 value per year
  • Free first and second checked bags: Save up to $280 per roundtrip
  • Premier Access travel services: Receive priority check-in, security screening (where available), boarding and baggage handling
  • The primary Cardmember is invited to enroll in the Hertz Gold Plus Rewards program’s exclusive President’s Circle tier and enjoy a 50% bonus on Hertz Gold Plus Rewards Points, upgrades, exclusive offers and more
  • The primary Cardmember who is also a MileagePlus Premier member and traveling on an award ticket can take advantage of Complimentary Premier Upgrades on United flights (when available)

Is United MileagePlus Club Card worth it?

United MileagePlus Club is a great card for people who are looking for United Club or Star Alliance affiliated lounge membership. Star Alliance members include Asiana Airlines, Avianca, Lufthansa, Swiss Air, Thai Airways, and more than 10 more. Consumers have reported that some of these lounges are better than United lounges, so this is a major perk.

Note that if you already have a United Club membership, you will be reimbursed for the unused portion of your membership once you’re approved for the card. However, if you are not interested in United Club membership at all, other cards will earn you a higher rewards rate.

United MileagePlus Club cardholders earn 1.5 miles per $1 spent on all other purchases and United Miles are worth about one to one and a half cents depending on if you redeem for the cheaper Saver fare or for the Everyday fare, which has more availability, so while 1.5 miles on every purchase is a great rewards rate on everyday spending it’s only about 1.5 – 2.25% back. Premium flyers would be able to get 3X points on travel and dining using the $450 annual fee Chase Sapphire Reserve at 4.5% back and 5X Membership Rewards points on flights booked directly with an airline or with American Express Travel using the $550 annual fee Amex Platinum at 5% back.

United MileagePlus Club has a $450 annual fee, so on rewards alone it doesn’t compare favorably with these cards for people who will be flying a lot and therefore earning a lot of travel rewards at a high rate. However, if you fly United often and will use the United Club or Star Alliance affiliated lounges, United MileagePlus Club is a solid premium travel card for you.

Pros

  • 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open
  • 1.5 miles per $1 spent on all other purchases
  • Access to United Club locations and participating Star Alliance affiliated lounges worldwide
  • No foreign transaction fee
  • Redeem points on Star Alliance Partner airlines including Asiana Airlines, Avianca, Lufthansa, Swiss Air, Thai Airways, and more than 10 more.

Cons

  • $450 annual fee
  • You have to be flying United or a Star Alliance carrier to be able to use United Club
  • No Global Entry/TSA Precheck application credits

Why 4 Stars?

Regular APR


4 Stars

Intro APR


4 Stars

Fees


4 Stars

Perks


5 Stars

Overall


4 Stars

Fees

Foreign Transaction FeeNone
Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater
Cash Advance FeeEither $10 or 5% of the amount of each transaction, whichever is greater
Penalty APRNone

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Baggage Delay Reimbursement
Concierge Service
Emergency Card Replacement
Emergency Cash Disbursement
Extended Warranty Protection
Lost Luggage Reimbursement
Travel Accident Insurance
Price Protection
Purchase Protection
Return Protection
Roadside Dispatch
Travel and Emergency Assistance
Trip Cancellation/Trip Interruption Reimbursement
Trip Delay Reimbursement
Get Started with United MileagePlus Club Card

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.

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United MileagePlus Club Business Card Review

United-MileagePlus-Club-Business-Card

Rating: 4 Stars

Bottom Line:
United Club and Star Alliance Partner Lounge Access for Business Travelers

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 4 Stars?Fees
Benefits

Card Details

Regular APR:18.24 – 25.24% (Variable)
Intro APR (Purchases):None
Intro APR (Balance transfers):None
Rewards Rate:2 miles per $1 spent on United purchases

1.5 miles per $1 spent on all other purchases
Credit Needed:(740 – 850) Excellent
Annual Fee:$450
Card Brand:Visa

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

Offer Highlights

  • Click APPLY NOW to apply online
  • 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 United purchases
  • 1.5 miles per $1 spent on all other purchases
  • Employee Cards at no additional cost. Miles earned from their purchases accrue in your account so you can earn rewards faster
  • United Club membership: Enjoy access to United Club locations and participating Star Alliance affiliated lounges worldwide – up to a $650 value per year
  • Free first and second checked bags: Save up to $280 per roundtrip
  • Premier Access travel services: Receive priority check-in, security screening (where available), boarding and baggage handling
  • The primary Cardmember is invited to enroll in the Hertz Gold Plus Rewards program?s exclusive President’s Circle tier and enjoy a 50% bonus on Hertz Gold Plus Rewards Points, upgrades, exclusive offers and more
  • The primary Cardmember who is also a MileagePlus Premier member and traveling on an award ticket can take advantage of Complimentary Premier Upgrades on United flights (when available)

Is United MileagePlus Club Business Card worth it?

United MileagePlus Club Business is a solid card for business travelers who would like United Club or Star Alliance affiliated lounge access. Cardholders get access to United Club locations and participating Star Alliance affiliated lounges worldwide. If you were to purchase United Club membership, it would cost $650 and one-time passes are $59.

Cardholders earn 2 miles per $1 spent on United purchases. The signup bonus of 50,000 bonus miles after you spend $3,000 is worth at least $300. Note the $450 annual fee does not count toward the signup bonus. This is the case for almost all credit cards. The value of United Miles now depend on the exact flight you book. However, the former award chart, on which points had a fixed value, gives a good indicator of what to expect.

Let’s say you are flying between New York/Newark and San Francisco. Because this is a premium route, 10,000 extra miles are required. On an Everyday Fare, you would pay 60,000 miles and on a Savor Fare you would pay 35,000 miles. The cost of this flight is about $550 roundtrip, so the value of a point would be between about one cent and one and a half cents.

United’s MileagePlus rewards program is relatively simple. United offers Saver and Everyday Awards. Saver Awards cost fewer miles, but they have limited availability and are less likely to be available closer to flight time. On the other hand, MileagePlus Premier members and eligible United MileagePlus Chase cardmembers, including cardholders of United MileagePlus Club Business, get to book an Everyday Award even if it’s the last seat on the plane. The program has reasonable terms: all award tickets can be cancelled and the points will be deposited back into your account, and you can even issue a MileagePlus ticket in someone else?s name.

If you’re looking for United Club or Star Alliance affiliated lounge access, United MileagePlus Club Business is a great card for you.

Pros

  • 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 United purchases
  • Access to United Club locations and participating Star Alliance affiliated lounges worldwide
  • No foreign transaction fee
  • Redeem points on Star Alliance Partner airlines

Cons

  • $450 annual fee
  • You have to be flying United or a Star Alliance carrier to be able to use United Club
  • No Global Entry/TSA Precheck application credits

Why 4 Stars?

Regular APR


4 Stars. ????

Intro APR


4 Stars

Fees


4 Stars

Perks


5 Stars

Overall


4 Stars

Fees

Foreign Transaction FeeNone
Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater
Cash Advance FeeEither $15 or 5% of the amount of each transaction, whichever is greater
Penalty APRUp to 29.99%

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Baggage Delay Reimbursement
Concierge Service
Emergency Card Replacement
Emergency Cash Disbursement
Extended Warranty Protection
Lost Luggage Reimbursement
Travel Accident Insurance
Price Protection
Purchase Protection
Return Protection
Roadside Dispatch
Travel and Emergency Assistance
Trip Cancellation/Trip Interruption Reimbursement
Trip Delay Reimbursement
Get Started with United MileagePlus Club Business Card

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.

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UBS Visa Infinite Credit Card Review

UBS Visa Infinite Credit Card

Rating: 5 Stars

Bottom Line:
Premium Travel With UBS

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 5 Stars?Fees
Benefits

Card Details

Regular APR:16.99% (Variable)
Intro APR (Purchases):None
Intro APR (Balance transfers):0% for 12 billing cycles for transfers in first 90 days
Rewards Rate:Earn 3x points for commercial air travel

2x points for gas and groceries

1 point for all other eligible purchases
Credit Needed:(740 – 850) Excellent
Annual Fee:$495
Card Brand:Visa

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

Offer Highlights

  • Click APPLY NOW to apply online
  • $250 credit for any qualifying air travel expenses
  • Access to 1,000+ airport lounges with a complimentary Priority Pass Select membership and up to $500 credit for Any Airport Club
  • Points are easy to use, with less points required compared to many other rewards programs when booked with the UBS rewards team or on the UBS Rewards website (i.e. book one $900 flight for 50,000 points and save up to 40,000 points)
  • 24/7 access to UBS Concierge and access to the Concierge website via the rewards and benefits tab on UBS Online Services
  • Unlimited ATM fee rebates in the U.S., up to $10 per transaction
  • Up to a $700 service credit at Villas of Distinction properties
  • VIP amenities at select Ritz-Carlton properties, Fairmont and Park Hyatt properties
  • Primary collision and theft insurance coverage on rental cars
  • Complimentary Gogo inflight Wi-Fi on 12 flight segments per year

Is UBS Visa Infinite Credit Card worth it?

UBS Visa Infinite Credit Card is a solid card for premium travelers. The easiest way to apply for this card is to be a UBS customer and request it through your advisor. However, there have been reports from consumers that you can call and request it as well.

Cardholders earn 3x points for commercial air travel. Note that air travel through online sites other than the airlines? own sites may not qualify. If you’re familiar with Visa Signature, you will find similarities with Visa Infinite cards. While the benefits in Visa Signature are generally practical in nature, you will get all of these benefits plus primary auto rental collision damage waiver, meaning it pays out before your own insurance, as well as a number of premium benefits with Visa Infinite.

For example, with access to the Visa Luxury Hotel Collection being granted by both Visa Signature and Visa Infinite, with Visa Infinite you get an additional premium benefit: your choice of a $75 Food & Beverage credit on top of the $25 credit you already get, or a $100 spa, golf, or room rate credit. You also get Priority Pass membership with 6 complimentary visits and 40% off on rentals at SilverCar by Audi when you pay with your card.

UBS Visa Infinite has a number of luxury perks like this, but if you’re just after the rewards rate, you might consider a competitor card like American Express Platinum, or understandably Chase Sapphire Reserve, which offers a valuable rewards program but also comes with Visa Infinite benefits. Both Amex Membership Rewards and Chase Ultimate Rewards points have a value about equal to UBS when redeemed for travel and can be earned at almost the same rate.

However, if you spend a lot on airfare and hotels, Amex Platinum, for a $550 annual fee, is a great choice, because it earns 5 Membership Rewards points per dollar on flights booked directly with airlines or with American Express Travel, getting you about a 5% rewards rate, which is in most cases the highest rate you will see.

On the other hand, Chase Sapphire Reserve has a lower $450 annual fee and is generally known to have better airline transfer partners than either Amex Platinum or UBS Visa Infinite, and Sapphire Reserve earns 3 points per dollar on travel and dining, plus a 50% bonus when redeemed on Chase Ultimate Rewards, earning you a 4.5% rewards rate.

That said, you may be exclusively interested in UBS Visa Infinite, whether it is because you are an existing UBS customer or because you were recommended the card by a friend. One nice perk is UBS Visa Infinite’s lack of ATM fees. UBS is able to rebate ATM fees in cases where the transaction fee surcharge is submitted to UBS by the ATM operator and/or network used. They’re also willing to work with you over the phone if you have a problem getting the rebate, but you do need to make sure your UBS credit card is linked to a Resource Management Account or Business Services Account to reclaim the fee.

Getting the most out of UBS Visa Infinite also will require understanding point values when redeeming points for airfare. You can redeem 25,000 rewards points for one ticket up to $350 on any commercial airline. Or you can redeem 50,000 rewards points for one ticket up to $900. That rewards rate is 1.4 cents per point for the $350 ticket and 1.8 cents per point for the $900 ticket. If your flight costs a little more than $350 or $900, you must redeem more points at a rate of 5,000 points for each additional $50 in ticket value, bringing your rewards rate down closer to 1%, or one cent per point. In other words, if you can redeem points for $350 or $900, you will get the most value out of your points, with $900 redemptions being the most valuable.

For private flyers, there are exclusive Wheels Up and NetJets benefit options. If you are in airports often and have spent $50,000 or greater during either the current calendar year-to-date or the prior calendar year, you may enjoy the $500 statement credit valid for airport club day passes or an annual club fee. If you don’t meet that spend threshold, you will need to use the 6 complimentary Priority Pass passes also included.

There are other options in the premium travel card niche like Amex Platinum and Chase Sapphire Reserve, but if you want Visa Infinite benefits and like UBS, UBS Visa Infinite is a solid card for you.

Pros

  • $250 credit for any qualifying air travel expenses
  • Earn 3x points for commercial air travel
  • 2x points for gas and groceries

Cons

  • $495 annual fee

Why 5 Stars?

Regular APR


5 Stars

Intro APR


5 Stars

Fees


4 Stars

Perks


5 Stars

Overall


5 Stars

Fees

Foreign Transaction FeeNone
Balance Transfer FeeEither $2 – $10 or 2% – 3% of the amount of each transfer, whichever is greater
Cash Advance FeeEither $2 – $10 or 2% – 3% of the amount of each cash advance, whichever is greater.
Penalty APR29.99%

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Extended Warranty Program
Lost Luggage Reimbursement
Purchase Protection
Roadside Assistance
Travel Accident Insurance
Travel Assistance
Get Started with UBS Visa Infinite Credit Card

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.

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U.S. Bank Business Select Rewards Card Review

U.S. Bank Business Select Rewards Card

Rating: 5 Stars

Bottom Line:
High Travel Rewards on Category of your Choice

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 5 Stars?Fees
Benefits

Card Details

Regular APR:13.99% – 24.99% (Variable)
Intro APR (Purchases):0% for 9 billing cycles
Intro APR (Balance transfers):None
Rewards Rate:3 points on day-to-day expenses, automotive or travel and entertainment, depending on the bonus category you choose

1 point everywhere else
Credit Needed:(740 – 850) Excellent
Annual Fee:None
Card Brand:Visa

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

Offer Highlights

  • Click APPLY NOW to apply online
  • Choose your 3X points category: day-to-day expenses, automotive or travel and entertainment
  • Earn 20,000 extra points when you spend $1,000 in eligible net purchases within the first 90 days after opening your account
  • Enjoy a 0% Intro APR on purchases for the first nine billing cycles
  • No annual fee and free employee cards

Is U.S. Bank Business Select Rewards Card worth it?

U.S. Bank Business Select Rewards is a solid card for people who want flexibility to choose a 3X points category. The options are day-to-day expenses, automotive, or travel and entertainment.

Day-to-day expenses include shipping, advertising, utilities, office supply, telecom and professional services businesses. Automotive includes gas and service stations, tire shops, car dealerships, car wash facilities, toll gates and car repair establishments. Travel and Entertainment includes airline, hotel, car rental, restaurant and travel agencies. Note that if you are considering a large purchase and expecting to earn rewards, make sure you check their Merchant Classification Code to confirm that they fall in the category you have selected. U.S. Bank Business Select Rewards is very similar to U.S. Bank Business Leverage Visa Signature, which allows business owners 2X rewards on the two categories in which they spent the most and also has no annual fee.

In terms of redemption, U.S. Bank Business Select hotel, car rental, and airfare rewards are worth $0.009 per point. In other words, 50,000 points gets you up to $450 in airfare, and 25,000 points gets you up to $225 in hotel cost or car rental cost. Gifts cards will get a lower redemption value. While you can purchase points, it’s not recommended because each point is priced at 3 cents, more than 3 times the value of earning points via purchases.

U.S. Bank Business Select Rewards also comes with Encore Relationship Rewards, which gives you rewards for taking payments. If you spend $1,000 in the first 90 days on the card, you earn 20,000 points, worth up to $180 in travel. You can choose to redeem points as cash back and statement credit, although reports from consumers have indicated this gets you significantly lower value.

If you don’t want to pay an annual fee for a business card and you have one predominant category of expenses that you would like to earn 3X travel rewards on, U.S. Bank Business Select Rewards is a solid card for you.

Pros

  • Earn 20,000 extra points when you spend $1,000 in eligible net purchases within the first 90 days
  • Choose your 3X points category: day-to-day expenses, automotive or travel and entertainment
  • No annual fee

Cons

  • Gift cards and cash back have lower redemption value than travel, which includes airfare, hotels, and car rentals

Why 5 Stars?

Regular APR


4 Stars

Intro APR


5 Stars

Fees


4 Stars.

Perks


5 Stars

Overall


5 Stars

Fees

Foreign Transaction Fee2%
Balance Transfer FeeEither 3% of the amount of each transfer or $5 minimum, whichever is greater
Cash Advance FeeEither 5% of the amount of each advance or $10 minimum, whichever is greater
Penalty APR29.99%

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Extended Warranty Program
Lost Luggage Reimbursement
Purchase Protection
Roadside Assistance
Travel Accident Insurance
Travel Assistance
Get Started with U.S. Bank Business Select Rewards Card

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.

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U.S. Bank Business Leverage Visa Signature Review

U.S.-Bank-Business-Leverage-Visa-Signature

Rating: 5 Stars

Bottom Line:
Rewards That Fit Your Business Spending

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 5 Stars?Fees
Benefits

Card Details

Regular APR:18.49% (Variable)
Intro APR (Purchases):None
Intro APR (Balance transfers):None
Rewards Rate:Earn 2X points per dollar spent on eligible net purchases made in the top two categories where you spend the most each month ? automatically

Earn 1X point per dollar spent on all other eligible net purchases

Earn an extra bonus point for every dollar spent on eligible net purchases in the first 365 days, up to 100,000
Credit Needed:(740 – 850) Excellent
Annual Fee:None for first 12 months, then $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 2X points per dollar spent on eligible net purchases made in the top two categories where you spend the most each month – automatically
  • Earn 1X point per dollar spent on all other eligible net purchases
  • Earn an extra bonus point for every dollar spent on eligible net purchases in the first 365 days, up to 100,000
  • Two ways to earn points – with Encore Relationship Rewards, you earn points for taking credit card payments as well as making purchases

Is U.S. Bank Business Leverage Visa Signature worth it?

U.S. Bank Business Leverage Visa Signature is a great card for business owners who want simple rewards that fit their spending. Cardholders earn 2X points per dollar spent on eligible net purchases made in the top two categories where you spend the most each month – automatically. The categories can change month-to-month.

During the first year, you earn an extra point per $1, up to 100,000, giving you 3% rewards in your two most valuable categories. You can even get cash back on receiving payments for your business using Encore Relationship Rewards, up to a monthly cap of $240. You will need to apply for a U.S. Bank payment solutions account and register for Encore Relationship Rewards.

If you?re looking for a rewards card that won’t make you change your spending habits to get value out of it, U.S. Bank Business Leverage Visa Signature is a great card for you.

Pros

  • Earn 2X points per dollar spent on eligible net purchases made in the top two categories where you spend the most each month – automatically
  • Earn an extra bonus point for every dollar spent on eligible net purchases in the first 365 days, up to 100,000
  • Free employee cards
  • Visa Signature Benefits

Cons

  • $95 annual fee at start of second year

Why 5 Stars?

Regular APR


5 Stars

Intro APR


4 Stars

Fees


4 Stars

Perks


5 Stars

Overall


5 Stars

Fees

Foreign Transaction Fee2%
Balance Transfer FeeAn introductory fee of either 5% of the amount of each transfer or $5 minimum, whichever is greater for balances transferred with this application. After that, either 3% of the amount of each transfer or $5 minimum, whichever is greater
Cash Advance FeeEither 5% of the amount of each advance or $15 minimum, whichever is greater
Penalty APR29.99%

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Baggage Delay Reimbursement
Concierge Service
Emergency Card Replacement
Emergency Cash Disbursement
Extended Warranty Protection
Lost Luggage Reimbursement
Travel Accident Insurance
Price Protection
Purchase Protection
Return Protection
Roadside Dispatch
Travel and Emergency Assistance
Trip Cancellation/Trip Interruption Reimbursement
Trip Delay Reimbursement
Get Started with U.S. Bank Business Leverage Visa Signature

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.

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JetBlue Plus Card Review

The JetBlue Plus Card

Rating: 5 Stars

Bottom Line:
JetBlue Rewards

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 5 Stars?Fees
Benefits

Card Details

Regular APR:17.49%, 21.49% or 26.49% (Variable)
Intro APR (Purchases):None
Intro APR (Balance transfers):0% for 12 billing cycles for transfers in first 45 days
Rewards Rate:Earn 6X points on JetBlue purchases

Earn 2X points at restaurants and grocery stores

Earn 1X points on all other purchases
Credit Needed:(740 – 850) Excellent
Annual Fee:$99
Card Brand:Mastercard

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

Offer Highlights

  • Click APPLY NOW to apply online
  • Earn 40,000 bonus points after spending $1,000 on purchases in the first 90 days and paying the annual fee
  • Earn 6X points on JetBlue purchases
  • 2X points at restaurants and grocery stores and 1X points on all other purchases
  • Earn 5,000 bonus points every year after your account anniversary
  • Enjoy Mosaic benefits after spending $50,000 or more on purchases each calendar year with your card
  • Enjoy an annual $100 statement credit after purchasing a JetBlue Vacations package of $100 or more with your JetBlue Plus Card
  • 50% inflight savings on cocktails and food purchases
  • Free first checked bag for you and up to 3 companions on the same reservation when you use your JetBlue Plus Card to purchase tickets
  • Get 10% Points Back After Taking Award Flights

Is JetBlue Plus Card worth it?

JetBlue Plus Card is a great card for JetBlue travelers. It has a $99 annual fee and earns 6X points on JetBlue purchases, 2X points at restaurants and grocery stores, and 1X points on all other purchases. JetBlue Plus Card is like the JetBlue Card, except JetBlue Plus’ signup bonus is 4X higher and the earning rate on JetBlue purchases is 2X higher.

Valuing JetBlue points conservatively at one cent per point, the signup bonus is worth $400 in JetBlue travel. You get Points Pooling with TrueBlue points as well, which allows you and up to 7 friends and family members to combine points to earn awards faster with no point transfer fee.

One thing that is particular to JetBlue among airlines is that you can’t transfer JetBlue points to any other airlines, but you can redeem them on Hawaiian Airlines.

Besides JetBlue flights, you can earn points by the mile flown by adding your TrueBlue number during the booking process on Hawaiian Airlines, Emirates, Singapore Airlines, Icelandair, JSX, Silver Airways, Singapore Airlines, and South African Airways. Most partners offer earnings starting at 1 Point / 2 miles flown and different seating areas have different rewards. If you’re in frequent flyer programs with any of these other airlines, check the value of your ticket before you make the TrueBlue purchase to make sure it’s worth it to book with TrueBlue, because you can only earn rewards from one program for your flight.

If you rarely fly JetBlue but are interested in JetBlue Plus to get started, consider that JetBlue tied with Southwest Airlines for the top place in customer satisfaction among North American low-cost carriers, according to JD Power. Even if you don?t fly JetBlue regularly, if you fly JetBlue at all and get $100 of value on waived first checked bag fees, flight redemptions, or through pooling JetBlue points, this is a great card for you.

Pros

  • Earn 40,000 bonus points after spending $1,000 on purchases in the first 90 days and paying the annual fee
  • Earn 6X points on JetBlue purchases
  • Earn 5,000 bonus points every year after your account anniversary
  • No foreign transaction fee

Cons

  • Fewer perks than other travel cards
  • $99 annual fee

Why 5 Stars?

Regular APR


4 Stars

Intro APR


5 Stars

Fees


5 Stars

Perks


5 Stars

Overall


5 Stars

Fees

Foreign Transaction FeeNone
Balance Transfer FeeEither $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APRNone

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Concierge Service
Extended Warranty Program
Lost Luggage Reimbursement
Purchase Protection
Roadside Assistance
Travel Accident Insurance
Travel Assistance
World Luxury Hotels & Resorts
Get Started with JetBlue Plus Card

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.

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JetBlue Business Card Review

The JetBlue Business Card

Rating: 5 Stars

Bottom Line:
Purchase Six JetBlue Flights, Nothing Else, and Still Worth It

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 5 Stars?Fees
Benefits

Card Details

Regular APR:17.49% – 26.49% (Variable)
Intro APR (Purchases):None
Intro APR (Balance transfers):None
Rewards Rate:6X points on JetBlue purchases

2X points at restaurants and office supply stores

1X points on all other purchases
Credit Needed:(740 – 850) Excellent
Annual Fee:$99
Card Brand:Mastercard

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

Offer Highlights

  • Click APPLY NOW to apply online
  • Earn 50,000 points after spending $1,000 in the first 90 days and earn 10,000 points when a purchase is made on an employee card in the first 90 days
  • 6X points on JetBlue purchases plus 2X points at restaurants and office supply stores and 1X points on all other purchases
  • Free first checked bag for you and up to 3 companions on the same reservation when you use your card to book JetBlue-operated flights
  • Earn 5,000 bonus points every year after your account anniversary
  • Receive a 50% savings on eligible inflight purchases of cocktails and food on JetBlue-operated flights
  • Enjoy Mosaic benefits for one year after spending $50,000 or more on purchases each calendar year with your card
  • Enjoy an annual $100 statement credit after purchasing a JetBlue Vacations package with your card
  • Get 10% Points Back After Taking Award Flights

Is JetBlue Business Card worth it?

JetBlue Business Card is a great card for JetBlue business travelers. Cardholders earn 50,000 points after spending $1,000 in the first 90 days and earn 10,000 additional points when a purchase is made on an employee card in the first 90 days.

To find out how much 60,000 points is worth, we looked at the price of a roundtrip flight from ORD Chicago O?Hare to MCO Orlando International Airport departing on Christmas and returning on New Year?s Day booked two months in advance. The cost would be 106,200 points or $1108, valuing the points on one cent apiece and making the 60,000 signup bonus worth $600 in JetBlue travel.

Now to find out if the card is worth renewing for $99, let’s assume you travel six times a year on flights having the same value as the example, $1108 and you don’t use this card for any other purchases. If you use points to book three of those six flights, which won’t earn you more points, and use JetBlue Business Card to book the three other flights, your three flights booked with JetBlue Business Card would earn you $550 in JetBlue travel.

If you add the 5,000 bonus points every year after your account anniversary, which is worth $50 as long as you use it, you have $600 in JetBlue travel. This is enough for a one-way ticket portion of the $1108 flight example we have been using from Chicago to Orlando.

On this flight, the one-way tickets cost the same as for the roundtrip, so you could book one flight with points and the other with your JetBlue Business Card and you will have successfully redeemed $600 in JetBlue travel, more than paying for the $99 annual fee. One-way tickets are typically a little more expensive if they are premium tickets typically purchased by business travelers, but less expensive for discount airlines. What this means for you is that if you are set on flying in first class or business class, which is called Mint on JetBlue, you may have to earn more points to make sure you have enough for the flight you want.

Note that when you book a JetBlue flight, three popular options for the regular class seating are the Blue fare, Blue Plus Fare, or Blue Flex fare. The item that might make the biggest difference in choosing between the options is checked bags.

Checked bags are typically $30 for the first bag and $40 for the second bag. The Blue fare doesn’t include checked bags, while the Blue Plus fare includes one free checked bag and costs about $15 more than the Blue fare, which makes it a financial sensible option. The Blue Flex fare includes two free checked bags and costs about $100 more than a Blue fare. $100 is more than just paying for the checked bags would cost, but you also get no change fees and free same-day changes.

Change fees are relatively complicated, because they increase with flight price. For example, the lowest tier, for fares up to $99, has change fees which are $75 for Plus and Blue. The highest tier, for fares $200 or more, has change fees which are $200. Same-day changes cost $75, but again on Blue Flex they are free.

While the normal rate is 6X points on JetBlue purchases, Blue Plus earns you 7X and Blue Flex earn 8x. You also get 300 points for every JetPaws fee, the JetBlue program to bring your pet to your destination with you, which is $125 each way.

After spending $50,000 or more on purchases each calendar year, you earn Mosaic benefits, which include a free first and second checked bag, no change and cancellation fees for anyone on the itinerary, early boarding, an expedited security checkpoint line, and complimentary alcoholic beverages onboard.

If you fly JetBlue regularly for business, this is a great card for you.

Pros

  • Earn 50,000 points after spending $1,000 in the first 90 days and earn 10,000 points when a purchase is made on an employee card in the first 90 days
  • Earn 5,000 bonus points every year after your account anniversary
  • TrueBlue points don’t expire
  • 6X points on JetBlue purchases
  • Get 10% points rebate when you redeem your points for an award flight

Cons

  • $99 annual fee

Why 5 Stars?

Regular APR


4 Stars

Intro APR


4 Stars

Fees


5 Stars

Perks


5 Stars

Overall


5 Stars

Fees

Foreign Transaction FeeNone
Balance Transfer FeeEither $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance FeeEither $10 or 3% of the amount of each cash advance, whichever is greater
Penalty APRNone

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Extended Warranty Program
Purchase Protection
Travel Assistance
Get Started with JetBlue Business Card

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.

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