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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

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

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 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

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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

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U.S. Bank FlexPerks Travel Rewards Visa Signature Card Review

Rating: 4 Stars

Bottom Line:
Travel Rewards Without Point Transfers

Apply Now

Card Details

Regular APR:	15.49 – 25.49% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	2 points on airlines, gas stations or grocery stores (whichever is greater) 2 points on qualifying charitable donations 2 points on most cell phone service providers 1 point everywhere else
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	None for the first year, then $49
Card Brand:	Visa

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

Offer Highlights

Click APPLY NOW to apply online
Kickstart your travel and earn 25,000 enrollment FlexPoints worth $375 on airfare, hotel stays, car rentals and more. Just spend $2,000 in eligible net purchase within the first four months of account opening
Earn Double FlexPoints for every net $1 spent at airlines, gas stations or grocery stores ? whichever you spend most on each monthly billing cycle
Earn 2 points on qualifying charitable donations
Earn 2 points on most cell phone service providers
Earn 1 point everywhere else
Use your mobile device to instantly redeem FlexPoints for almost any purchase with Real-Time Mobile Rewards
$25 Airline Allowance offers reimbursement for up to $25 per round-trip air travel award ticket toward baggage fees or in-flight food and drinks
Kick your FlexPoints into overdrive when you make purchases in select categories.

Is U.S. Bank FlexPerks Travel Rewards Visa Signature Card worth it?

U.S. Bank FlexPerks Travel Rewards Visa Signature is a great card for people who want to book airfare directly with the rewards program where they earned the points and to earn travel rewards on their cell phone bill, donations to charity, and either airfare, gas stations or grocery.

Cardholders earn 2 FlexPoints on qualifying charitable donations and most cell phone service providers, and 2 FlexPoints on airfare, gas stations or grocery purchases, whichever of the three has the greatest amount in total purchases.

The signup bonus of 25000 FlexPoints is worth $375 in travel, hotel stays, car rentals, and more. FlexPoints have a fixed value of 1.5 cents per point and can be redeemed for travel rewards with more than 150 airlines, thousands of hotels, car rentals, and cruise lines through the FlexPerks rewards program.

With a $49 annual fee starting the second year, you could spend just $2000 across the 2X reward categories during the entire year and pay for the fee. As a more realistic example, if you spent $500 per month in 2X reward categories, $250 on phone bills and $250 on gas and groceries and another $500 on other expenses, you would earn $270 worth of travel. While you can redeem FlexPoints for cash back, they will not be worth as much. The FlexPoints rewards program also doesn?t have any transfer partners, so you won’t be able to transfer to try to increase their value.

Another option you might consider is Capital One Venture Rewards, which earns 2 Miles per dollar on all purchases and has a $95 annual fee starting the second year. It has a signup bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel. As you can see from the signup bonus value, Capital One miles are worth only about one cent per mile; however, you can get higher value by transferring them to one of their 15 transfer parters, so if you?re more hands-on when it comes to points, Capital One is the better option. Also keep in mind you would be earning 2 miles per $1 on all purchases.

Another option is Chase Sapphire Preferred, which has a $95 annual fee – not waived in year one – and earns 2X points on travel and dining. Earning 2X travel rewards on dining might be attractive to you. Chase Sapphire Preferred also has a signup bonus of 60,000 one-time bonus points offer after you spend $4,000 on purchases within 3 months of account opening which is $750 in travel. This valuation takes into account the 25% bonus you get for redeeming Chase Ultimate Rewards for travel.

Note there have been reports of U.S. Bank’s FlexPerks rewards redemption website technology being outdated. According to consumers, this may have resulted in difficulty booking through the online portal and even point value decreases in their accounts.

On the other hand, there are more than 1300 5 star reviews on U.S. Bank?s website for U.S. Bank FlexPerks Travel Rewards Visa Signature. If you want travel rewards and to book your airfare directly with the rewards program where you earned the points, not to mention the lower annual fee starting the second year than competitors, then U.S. Bank FlexPerks Travel Rewards Visa Signature is a great card for you.

Pros

Visa Signature benefits
No foreign transaction fee
Earn 25,000 enrollment FlexPoints worth $375 on airfare, hotel stays, car rentals and more. Just spend $2,000 in eligible net purchase within the first four months
Earn 2 FlexPoints for every net $1 spent at airlines, gas stations or grocery stores – whichever you spend most on each monthly billing cycle
Earn 2 FlexPoints on qualifying charitable donations and most cell phone service providers

Cons

Minimum FlexPoints car rental redemption is $250, minimum FlexPoints lodging redemption is $500

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	Either 3% of the amount of each transfer or $5 minimum, whichever is greater
Cash Advance Fee	Either 4% of the amount of each advance or $10 minimum, whichever is greater
Penalty APR	None

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 FlexPerks? Travel Rewards Visa Signature Card

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U.S. Bank FlexPerks Business Travel Rewards Review

Rating: 5 Stars

Bottom Line:
Travel Rewards For Business Owners But No Point Transfers

Apply Now

Card Details

Regular APR:	13.99% – 24.99% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	2 points on gas, office supply store or airline purchases (whichever is greater) 2 points on qualifying charitable donations 2 points on most cell phone service providers 1 point everywhere else
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	None for the first year, then $55 for account owners and $10 for authorized employees
Card Brand:	Visa

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

Offer Highlights

Click APPLY NOW to apply online
Kickstart your travel and earn 25,000 enrollment FlexPoints worth $375 on airfare, hotel stays, car rentals and more. Just spend $2,000 in eligible Net Purchases on the Account Owner’s Card within the first four months of account opening
Earn Double FlexPoints for every net $1 spent at gas stations, office supply stores or airlines – whichever you spend most on each monthly billing cycle
Earn 1 point everywhere else
Use your mobile device to instantly redeem FlexPoints for almost any purchase with Real-Time Mobile Rewards
$25 Airline Allowance offers reimbursement for up to $25 per round-trip air travel award ticket toward baggage fees or in-flight food and drinks
Receive a credit for your $55 annual fee back to your account if $24,000 or more in net purchases posts to your company’s account within your 12-month annual statement year. You may add additional cards to your account for $10/year

Is U.S. Bank FlexPerks Business Travel Rewards worth it?

U.S. Bank FlexPerks Business Travel Rewards Visa Signature is a great card for business owners who want to earn travel rewards on their cell phone bill, donations to charity, and either gas, office supplies or airlines, and don’t want to deal with transferring points.

Cardholders earn 2 FlexPoints on qualifying charitable donations and most cell phone service providers, and 2 FlexPoints on gas, office supply store or airline purchases, whichever of the three has the greatest amount in total purchases.

The signup bonus of 25000 FlexPoints is worth $375 in travel, hotel stays, car rentals, and more. FlexPoints have a semi-fixed value that works out to about 1.5 cents per point when redeemed for travel rewards with more than 150 airlines, thousands of hotels, car rentals, and cruise lines.

With a $55 annual fee starting the second year, you could spend just $2000 across the 2X reward categories during the entire year and pay for the fee. As a more realistic example, if you spent $500 per month in 2X reward categories, $250 on phone bills and $250 on gas and another $500 on other business expenses, you would earn $270 worth of travel.

While you can redeem FlexPoints for cash back, they will not be worth as much. The FlexPoints rewards program also doesn’t have any transfer partners, so you won?t be able to transfer to try to increase their value.

Another option you might consider is Capital One Spark Miles for Business, which has unlimited 2 miles per $1 on every purchase, everywhere, but has a $95 annual fee in the second year. Capital One miles are worth only about one cent per mile, but you can get higher value by transferring them to one of their 15 transfer parters, so if you’re more hands-on when it comes to points, Capital One is the better option. Capital One Spark Miles Select for Business is the no annual fee version that still offers 1.5 Miles per $1 on every purchase.

If you’re more interested in American Express – both Capital One cards are on the Visa network – consider Blue Business Plus Credit Card from American Express, which earns 2X Membership Rewards points on every eligible purchase up to $50,000. Membership Rewards points are worth about one cent per dollar, but they also have transfer partners, including British Airways, Delta, JetBlue, and more than 5 more.

Finally, Ink Business Preferred Credit Card is a great card if you can pay a $95 annual fee starting in the first year, because it offers 3x miles on the first $150,000 spent on travel, shipping, Internet, cable, phone, and advertisements on social media and search sites. Chase Ultimate Rewards points are worth 25% more when you redeem for travel through Chase Ultimate Rewards, so points go from one cent per point to 1.25 cents per point. Chase travel partners include British Airways, JetBlue, United Airlines, and more than 5 more.

Each of these cards will offer you good overall value, so it depends on which airline or bank you are loyal to. If you are a U.S. Bank business customer or would like to become one and you would like travel rewards without having to think about transfer partners, U.S. Bank FlexPerks Business Travel Rewards Visa Signature is a great card for you.

Pros

Visa Signature benefits
Earn 25,000 enrollment FlexPoints worth $375 on airfare, hotel stays, car rentals and more
2 points on gas, office supply store or airline purchases (whichever is greater)
2 points on qualifying charitable donations
2 points on most cell phone service providers

Cons

Minimum FlexPoints car rental redemption is $250, minimum FlexPoints lodging redemption is $500
No transfer partners
Penalty APR

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	Either 3% of the amount of each transfer or $5 minimum, whichever is greater
Cash Advance Fee	Either 5% of the amount of each advance or $10 minimum, whichever is greater
Penalty APR	29.99%

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 FlexPerks Business Travel Rewards

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U.S. Bank Business Cash Rewards World Elite MasterCard Review

Rating: 4 Stars

Bottom Line:
Cash Back and 0% Intro APR for Business Owners

Apply Now

Card Details

Regular APR:	13.99% – 24.99% (Variable)
Intro APR (Purchases):	0% for 15 billing cycles
Intro APR (Balance transfers):	0% for 15 billing cycles
Rewards Rate:	3% cash back on eligible gas station, office supply store and cell phone/service provider net purchases 1% cash back on all other eligible net purchases
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	None
Card Brand:	MasterCard

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

Offer Highlights

Click APPLY NOW to apply online
3% cash back on eligible gas station, office supply store and cell phone/service provider net purchases
1% cash back on all other eligible net purchases
25% Annual bonus based on your prior year’s Cash Rewards, up to $250
Earn $500 cash back after you spend $4,500 in eligible net purchases on the Account Owner?s card in the first 150 days
No annual fee and free employee cards
Enjoy a 0% intro APR on purchases and balance transfers for the first fifteen billing cycles

Is U.S. Bank Business Cash Rewards World Elite MasterCard worth it?

U.S. Bank Business Cash Rewards World Elite MasterCard is a solid card for business owners who would like cash back or 0% interest on expenses. The 0% Intro APR is for 15 billing cycles. Cardholders earn $500 cash back after you spend $4,500 in eligible net purchases on the Account Owner’s card in the first 150 days.

Pros

World Elite Mastercard benefits
Earn $500 cash back after you spend $4,500 in eligible net purchases on the Account Owner’s card in the first 150 days
3% cash back on eligible gas station, office supply store and cell phone/service provider net purchases

Cons

3% Cash back category does not include travel

Why 4 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	2%
Balance Transfer Fee	Either 3% of the amount of each transfer or $5 minimum, whichever is greater
Cash Advance Fee	Either 5% of the amount of each advance or $10 minimum, whichever is greater
Penalty APR	29.99%

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 Cash Rewards World Elite MasterCard

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Southwest Rapid Rewards Performance Business Credit Card Review

Southwest-Rapid-Rewards-Performance-Business-Card

Rating: 5 Stars

Bottom Line:
High Rewards For Southwest Business Travelers

Apply Now

Card Details

Regular APR:	17.74 – 24.74% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	Earn 3 points for every $1 you spend on Southwest Airlines? purchases Earn 2 points for every $1 you spend on social media and search engine advertising, Internet, cable, and phone services Earn 1 point for every $1 you spend on all other purchases
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	$199
Card Brand:	Visa

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

Offer Highlights

Click APPLY NOW to apply online
Earn 70,000 points after you spend $5,000 on purchases in the first three months of account opening
9,000 points every year on your Cardmember anniversary
Earn 3 points for every $1 you spend on Southwest Airlines purchases
Earn 2 points for every $1 you spend on social media and search engine advertising, Internet, cable, and phone services
Earn 1 point for every $1 you spend on all other purchases
Global Entry or TSA Pre Fee credit in the form of a statement credit of up to $100 every four years
Earn tier qualifying points towards A-List status
Points earned count towards Companion Pass – the benefit that lets a friend fly with you free of airline charges for a year
Four Upgraded Boardings per year when available

Is Southwest Rapid Rewards Performance Business Credit Card worth it?

Southwest Rapid Rewards Performance Business Credit Card is a great card for business travelers who fly Southwest. You get 70,000 points after you spend $5,000 on purchases in the first three months, and these points as well as future points you earn count toward the Companion Pass, the coveted benefit that allows you to bring any friend on any Southwest flight free of charge with you for a year.

Plus, when you earn the Companion Pass, it’s valid for the remainder of the current year and for the next year. Southwest Rapid Rewards Performance Business Credit Card also offers Global Entry or TSA Pre Fee credit in the form of a statement credit of up to $100 every four years. If you don’t have another card that has provided you this as a benefit already, this is a great opportunity to sign up and save some time going through security, and in the case of Global Entry, U.S. customs.

Generally, business cards are less valuable than personal cards, because they have higher annual fees and fewer perks, but Southwest Rapid Rewards Performance Business earns 3 points for every $1 you spend on Southwest Airlines purchases, and given that Southwest Airlines points are worth about 1.5 cents, that’s a 3 x .015 = 4.5% rewards rate. In other words, for every hundred dollars you spend on Southwest Airlines, you earn $4.50 in credit for future flights. This is almost like having a 4.5% off coupon for every Southwest flight.

You also get four upgraded boardings per year when available that allow you to upgrade to A1-A15. A is the boarding group and 1-15 is the boarding position. For example, A1 boards before A15. With the sign up bonus alone being worth 70,000 x $0.015 = $1050, this $199 annual fee card makes financial sense.

Pros

Earn 70,000 points after you spend $5,000 on purchases in the first three months of account opening
Points earned count towards 125,000 Companion Pass amount – the benefit that lets a friend fly with you free of airline charges for a year. Note that purchased points do not count towards Companion Pass
9,000 points every year on your Cardmember anniversary
No foreign transaction fee

Cons

$199 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 Fee	None
Balance Transfer Fee	Either $5 or 5% of the amount of each transfer, whichever is greater
Cash Advance Fee	Either $15 or 5% of the amount of each transaction, whichever is greater
Penalty APR	Up to 29.99%

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 Southwest Rapid Rewards Performance Business Credit Card

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Marriott Bonvoy Business American Express Review

Marriott-Bonvoy-Business-American-Express-Card

Rating: 5 Stars

Bottom Line:
Free Hotel Nights for Business Owners with Marriott Rewards

Apply Now

Card Details

Regular APR:	17.49% – 26.49% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	Earn 6X points for each dollar of eligible purchases at participating Marriott Bonvoy hotels Earn 4X points for each dollar of eligible purchases at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers & on U.S. purchases for shipping Earn 2X points on all other eligible purchases
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	$125
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 75,000 Bonus Points with the Marriott Bonvoy Business American Express Credit Card after you spend $3,000 on purchases in the first 3 months from account opening
Earn 6X points for each dollar of eligible purchases at participating Marriott Bonvoy hotels
Earn 4X points for each dollar of eligible purchases at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers & on U.S. purchases for shipping
Earn 2X points on all other eligible purchases
Receive 1 Free Night Award every year after your Card account anniversary. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at a participating hotel
Enjoy complimentary Marriott Bonvoy Silver Elite status with your Card. Plus, spend $35,000 on eligible purchases on your Card in a calendar year and earn an upgrade to Marriott Bonvoy Gold Elite status through the end of the next calendar year
Each calendar year you can receive credit for 15 nights towards the next level of Marriott Bonvoy Elite status. Limit one 15 Elite Night Credit per Marriott Bonvoy member

Is Marriott Bonvoy Business American Express worth it?

Marriott Bonvoy Business American Express is a great card for Marriott business travelers. The signup bonus is 75,000 Bonus Points after you spend $3,000 on purchases in the first 3 months – that’s more than 2 nights of standard hotel room nights. You also get a free standard room night every year after you renew. The rewards rate is solid for business owners with expenses who stay at Marriot: cardholders earn 6X points for every $1 spent at participating Marriott Bonvoy hotels and 4X points for each dollar of eligible purchases at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers & on U.S. purchases for shipping.

Pros

75,000 Bonus Points with the Marriott Bonvoy Business American Express after you spend $3,000 on purchases in the first 3 months
Earn 6X points for every $1 spent at over participating Marriott Bonvoy hotels, including Marriott, The Ritz-Carlton, Westin, Courtyard, Residence Inn, and more
No foreign transaction fee

Cons

$125 annual fee
Penalty APR

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	Either $5 or 5% of the amount of each transfer, whichever is greater
Cash Advance Fee	Either $5 or 3% of the amount of each cash advance, whichever is greater
Penalty APR	29.99%

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Baggage Delay Insurance

Concierge Service

Extended Warranty Program

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Accident Insurance

Travel Assistance

Trip Delay Reimbursement

Get Started with Marriott Bonvoy Business American Express

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Hilton Honors American Express Business Review

Hilton Honors American Express Business Card

Rating: 5 Stars

Bottom Line:
Rewards for Hilton Business Travelers

Apply Now

Card Details

Regular APR:	17.49% – 26.49% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	12X points per dollar for purchases made directly with hotels and resorts in the Hilton portfolio 6X Points per dollar on select business purchases at U.S. gas stations, on wireless telephone services purchases directly from U.S. service providers, and on U.S. purchases for shipping 6X Points, per dollar on select travel purchases, at U.S. restaurants, on flights booked directly with airlines or with Amex Travel, and on car rentals booked directly from select car rental companies 3X Points per dollar on other purchases
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	$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 125,000 Hilton Honors Bonus Points with the Hilton Honors Business Card after you use your new Card to make $3,000 in eligible purchases within the first 3 months of Card Membership
12X points per dollar for purchases made directly with hotels and resorts in the Hilton portfolio
6X Points per dollar on select business purchases at U.S. gas stations, on wireless telephone services purchases directly from U.S. service providers, and on U.S. purchases for shipping
6X Points, per dollar on select travel purchases, at U.S. restaurants, on flights booked directly with airlines or with Amex Travel, and on car rentals booked directly from select car rental companies, and 3X Points per dollar on other purchases
Complimentary Hilton Honors Gold Status: Enjoy even more perks as a Hilton honors Gold member, like an 80% bonus on all Base Points, space-available room upgrades and more
Rest up with a Free Weekend Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card account in a calendar year
10 Free Priority Pass Visits: Whether you just want to relax or get work done, you?ll have 10 free visits to over 1,000 Priority Pass airport lounges every year

Is Hilton Honors American Express Business worth it?

Hilton Honors American Express Business Card is a great card for Hilton business travelers. Cardholders earn 12x Hilton Honors bonus points when you make eligible purchases on your card at participating hotels or resorts within the Hilton portfolio. The card comes with complimentary Gold status, which allows you to earn 18 more points per $1 you spend with Hilton. You get 10 base points for being a member and 8 more points for Gold Status. Even when you account for the value of Hilton points being lower than average – about one half cent per point or less – in total you are receiving an excellent hotel rewards rate.

Pros

Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors Business Card after you use your new Card to make $3,000 in eligible purchases within the first 3 months of Card Membership
Rest up with a Free Weekend Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card account in a calendar year
No foreign transaction fee
10 Free Priority Pass Visits: Whether you just want to relax or get work done, you?ll have 10 free visits to over 1,000 Priority Pass airport lounges every year

Cons

$95 annual fee
Purchases made through 3rd-party booking sites will not receive 12x points – purchases must be made directly with hotels and resorts in the the Hilton portfolio to receive this rate

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	Either $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR	29.99%

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Baggage Insurance Plan

Concierge Service

Extended Warranty Program

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Accident Insurance

Travel Assistance

Get Started with Hilton Honors American Express Business

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AT&T Access Card from Citi Review

Rating: 4 Stars

Bottom Line:
Rewards for AT&T Customers

Apply Now

Card Details

Regular APR:	15.74% – 24.74% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	Earn 2 Points for every $1 you spend on purchases made online at eligible retail and travel websites Earn 2 Points for every $1 you spend on products and services purchased directly from AT&T. You earn 2X points on AT&T purchases like a new tablet or accessories for your phone Earn 1 Point for every $1 you spend on other purchases. You also earn points with this AT&T credit card for pumping gas, buying groceries or making any other purchase with your card
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 10,000 Bonus ThankYou Points after you spend $1,000 in purchases within 3 months of account opening
Earn 2 Points for every $1 you spend on purchases made online at eligible retail and travel websites.
Earn 2 Points for every $1 you spend on products and services purchased directly from AT&T. You earn 2X points on AT&T purchases like a new tablet or accessories for your phone
Earn 1 Point for every $1 you spend on other purchases. You also earn points with this AT&T credit card for pumping gas, buying groceries or making any other purchase with your card
No Annual Fee
Purchase Rate: 15.74% – 24.74% variable APR based on your creditworthiness

Is AT&T Access Card from Citi worth it?

AT&T Access Card from Citi is a solid card for AT&T customers who make retail and travel purchases online.

Pros

2 points for every $1 spent online on eligible retail and travel websites ? this includes travel aggregators like Expedia and Orbitz and retail stores like Walmart and Costco
2 points for every $1 spent on AT&T products ? this includes cable, internet, or phone services through AT&T

Cons

Foreign transaction fee
ThankYou points convert to cash back at a lower than average rate when compared to other points programs

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

5 Stars

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	3% of the amount of each transfer or $5, whichever is greater
Cash Advance Fee	5% of the amount of each cash advance or $10, whichever is greater
Penalty APR	Up To 29.99%

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Purchase Protection

Roadside Assistance

Travel Accident Insurance

Travel Assistance

Get Started with AT&T Access Card from Citi

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Amazon Business American Express Card Review

Rating: 4 Stars

Bottom Line:
Rewards on Monthly Expenses

Apply Now

Card Details

Regular APR:	12.24% – 15.24% (Variable)
Intro APR (Purchases):	If 60 day interest option is chosen – 60 days interest free on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market
Intro APR (Balance transfers):	None
Rewards Rate:	If 3% back option is chosen – 3% back on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.), or apply towards a purchase on your statement 2% cash back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers 1% cash back on other purchases
Credit Needed:	(740 – 850) Excellent
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
Get a $100 Amazon.com Gift Card upon approval.
Plus, earn an additional $100 statement credit after you spend $3,000 on the Card in the 2% Back and 1% Back categories in your first 3 months.
Focus on your bottom line – Get unlimited 3% Back on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.), or apply towards a purchase on your statement OR free up cash flow. Rather buy now and pay later? Get an extra 60 days interest free on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market.
2% cash back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
1% cash back on other purchases
Enhanced data views – Amazon Business purchases will be listed item by item so you can track business purchases at a glance.
Business-only pricing – enjoy exclusive prices and quantity discounts on more than 5 million products.
Employee purchase control – Set up multi-user accounts, shared payment methods, approval workflows, and spending limits.

Is Amazon Business American Express Card worth it?

Amazon Business American Express Card is a solid card for business owners who make purchases at any of four Amazon-owned companies who are not Amazon Prime members. With no annual fee and either 3% back or 60 days interest free on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market, this card offers a reasonable choice to business owners. You can choose to take more time to pay off a purchase or you can pay it off right away during that billing period and get the rewards. American Express Plum Card has a similar feature, where you can get a 1.5% early-pay discount, or you can get up to 60 days interest free.

Other no-annual fee cards offer longer interest-free periods though, so for business owners financing expenses all at once upfront, 60 days interest free is not that attractive. If that’s not the case though, and instead there will be expenses purchased later than a year or more after getting the card that need financing, the 60 day interest free period starts to become useful. If you have a Prime membership you could apply for Amazon Business Prime American Express Card, and it goes up to 90 days.

Rewards are provided in point form and are redeemable as statement credit or to pay for eligible purchases at Amazon.com or Amazon.com/Business. Points are worth the normal amount of one cent each. 2% cash back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers covers most common credit card expenses when you combine it with Amazon for almost anything you need and Whole Foods Market for groceries. There’s no rewards on common expenses like drugstores and wholesale clubs, and travel, if that’s a common expense for you.

The 3% Back on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market is great, considering Amazon is called “The Everything Store”. If you had a $129 Amazon Prime membership, you could get 5% back by applying for Amazon Business Prime American Express Card. There are some other store cards that offer 5% back though. TJX Rewards Platinum MasterCard gets 5% back at Marshalls, HomeGoods, Sierra (formerly Sierra Trading Post), and Homesense. And Target REDcard MasterCard, which gets 5% back at Target. However, neither of these cards have sign up bonuses. Amazon Business American Express cardholders get a free $100 Amazon gift card and a $100 statement credit if you spend $3000 in the first 90 days in the 2% and 1% categories. This is an important gotcha if you want the statement credit. Amazon Business, AWS, Amazon.com and Whole Foods Market won’t count.

If you are already spending a lot at Amazon or Whole Foods, or if you frequently need extra time to pay off purchases there, this card is a no-brainer.

Pros

$100 Amazon gift card upon approval
3% cash back or 60 days interest free on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market
No annual fee

Cons

Amazon Prime membership would earn 5% cash back with the Amazon Business Prime American Express Card
60 day interest free period is not competitive with cards who offer longer interest free periods for all purchases if you are financing purchases as soon as you open the card
No travel rewards

Why 5 Stars?

Regular APR

The interest rate is nothing special, 15.99% – 23.99%. It could be higher or lower in that range depending on your credit score and varies with the Prime rate.
4 Stars

Intro APR

No Intro APR on balance transfers or purchases is normal for most business cards, but it doesn’t do you any favors if you’re looking to finance a big expenses as soon as you get the card. However, the 60 day interest free option on Amazon Business, AWS, Amazon.com and Whole Foods Market purchases is nice to have to turn on whenever you need it.
4 Stars

Fees

No annual fee and no foreign transaction fee. Check.
5 Stars

Perks

The 3% back at Amazon Business, AWS, Amazon.com and Whole Foods Market is great, but if you had a Prime membership, you could get Amazon Business Prime American Express Card and get 5% back.
4 Stars

Overall

If you’re already spending a lot at Amazon or Whole Foods, you’ll immediately start to get a significant 3% discount on those purchases with Amazon Business American Express. Or, you can push some of them out for 60 days if you need a little breathing room to pay them off. This card has a definite purpose, but it’s not for travel and it wouldn’t be the primary spending card in most business owners’ wallets.
4 Stars

Fees

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

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 Amazon Business American Express

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