Ranked by First Year Value Business Credit Card Rankings
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Personalized
Bonus Points
200,000
Minimum Spend
$20,000 / 3mo
Point Value
1.55 ¢
Annual Value
Annual Fee
$895
Differentiating Perks
Global & Centurion Lounge Access
Semi-Annual $300 Hotel Statement Credits
Annual $200 Airline Credit
Quarterly $50 Hilton Credit
Annual Delta Sly Club Passes (10)
Marriott Bonvoy Gold Elite Status
Hilton Honors Gold Status
Limited Offer
Limited Offer
Bonus Points
200,000 
Minimum Spend
$15,000 / 3mo
Point Value
1.55 ¢
Annual Value
Annual Fee
$375
Differentiating Perks
Unique 4X Spend Categories
Rules
Bonus Points
150,000
Minimum Spend
$20,000 / 3mo
Point Value
1.65 ¢
Annual Value
Annual Fee
$795
Differentiating Perks
Annual $250 Edit Hotel Credit (2)
Yearly $300 Travel Credit
Priority Pass & Sapphire Lounge Access
4X on Flights
4X on Hotels
3X on Digital Marketing
Semi Annual $50 Gift Card Credit
Differentiating Perks
Unlimited 2% Cash Back on All Purchases
Points Transferable to Capital One Miles Cards
Rules
Bonus Points
150,000
Minimum Spend
$30,000 / 3mo
Point Value
1.3 ¢
Annual Value
Annual Fee
$395
Differentiating Perks
Yearly $300 Travel Portal Credit
Priority Pass & Capital One Lounge Access
Anniversary 10,000 Bonus Miles
Rules
Limited Offer
Limited Offer
Differentiating Perks
3X on Travel*
3X on Advertising & Marketing*
3X on Shipping Purchases*
3X on Internet, Cable & Phone Services*
Differentiating Perks
5X on Office Supply Stores*
5X on Internet Services*
5X on Cable Services*
5X on Phone Services*
0% Intro APR for 12 Months
Differentiating Perks
0% Intro APR for 12 Months
1.5X on All Purchases
Limited Offer
Limited Offer
Bonus Points
125,000
Minimum Spend
$15,000 / 6mo
Point Value
1.2 ¢
Annual Value
Annual Fee
$650
Differentiating Perks
Delta Sky Club Visits (15)
Anniversary Companion Certificate
Annual Delta Sky Club Guest Passes (4)
Centurion Lounge Access
Annual $250 Delta Hotel Portal Credit
Delta Upgrade Priority
15% Discount on Every Delta Flight
Free Checked Bag + 8 Guests
3X on Delta Purchases
Limited Offer
Limited Offer
Differentiating Perks
Yearly United Club Passes (2)
Free Checked Bag + 1 Guest
7X on United Flight Purchases
2X on Gas Stations
2X on Office Supply Stores
2X on Local Transit
Differentiating Perks
Unlimited 2% Cash Back on All Purchases
Transferable to Capital One Miles Cards
Rules
Limited Offer
Limited Offer
Differentiating Perks
Annual $150 Delta Hotel Portal Credit
Delta Priority Boarding
15% Discount on Every Delta Flight
Free Checked Bag + 8 Guests
2X on Delta Purchases
2X on U.S. Shipping Services
2X on U.S. Advertising & Marketing
Limited Offer
Limited Offer
Differentiating Perks
Annual Delta Companion Certificate
Annual $200 Delta Hotel Portal Credit
Delta Upgrade Priority
Free Checked Bag + 8 Guests
15% Discount on Every Delta Flight
3X on Delta Purchases
3X on Hotels
Limited Offer
Limited Offer
Differentiating Perks
Anniversary $99 Companion Fare after $6,000 Spend
Free Checked Bag + 6 Guests
3X on Hawaiian & Alaska Airlines Purchases
Rules
Bonus Extra
$99 Companion Fare
Differentiating Perks
Anniversary Free Night
3X on All Purchases
5X on Restaurants
5X on Gas Stations
5X on Advertising & Marketing
5X on Office Supply Stores
10X on IHG Hotels & Resorts
IHG One Rewards Platinum Elite Status
Limited Offer
Limited Offer
Differentiating Perks
United Club Membership
Free Checked Bags (2) + 1 Guest
7X on United Flight Purchases
Differentiating Perks
Unlimited 1.5% Cash Back on All Purchases
Transferable to Capital One Miles Cards
Rules
Differentiating Perks
Free Checked Bag + 4 Guests
2X on Gas Stations
2X on Car Rentals
2X on American Airlines Purchases
Differentiating Perks
World of Hyatt Elite Discoverist Status
9X on Hyatt Hotels
2X on Fitness & Memberships
Differentiating Perks
Free Preferred Seat Upgrade at Booking
Anniversary 9,000 Bonus Points
4X on Southwest Airlines Purchases
Differentiating Perks
Anniversary Free Night
Marriott Bonvoy Gold Elite Status
6X on Marriott Hotels
4X on Restaurants
4X on U.S. Gas Stations
4X on U.S. Shipping Services
Bonus Extra
3 Free Night Awards
Differentiating Perks
Anniversary 6,000 Bonus Points
3X on Southwest Airlines Purchases
Free Preferred Seat Upgrade (48 Hours Out)
Limited Offer
Limited Offer
Differentiating Perks
3X on Hawaiian & Alaska Airlines Purchases
2x on Restaurants
2X on Gas Stations
2X on Office Supply Stores
Rules
Bonus Extra
50% Off Companion Discount
Limited Offer
Limited Offer
Differentiating Perks
Hilton Honors Gold Status
Quarterly $60 Hilton Credits
National Car Rental Emerald Club Executive Status
12X on Hilton Hotels & Resorts
5X on All Purchases*
Bonus Extra
1 Free Night Reward
Differentiating Perks
Priority Group A Boarding
Anniversary 5,000 Bonus Points
Free Checked Bag + 3 Guests
6X on JetBlue Purchases
2X on Restaurants
2X on Office Supply Stores
Rules
Differentiating Perks
Hertz Car Rental Five Star Status
2X Miles on All Purchases
Rules
Differentiating Perks
Hertz Car Rental Five Star Status
1.5X on All Purchases
Rules
Differentiating Perks
Wyndham Rewards Diamond Status
Anniversary 15,000 Bonus Points
8X on Hotels by Wyndham
5X on Advertising & Marketing
5X on Utilities
Rules
Differentiating Perks
2% Cash Back on All Purchases
Differentiating Perks
0% Intro APR for 7 Months
Rules
Differentiating Perks
0% Intro APR for 7 Months
Rules
Differentiating Perks
2X on All Purchases*
0% Intro APR for 12 Months
Differentiating Perks
2X on All Purchases*
0% Intro APR for 12 Months
Rules
Differentiating Perks
5% Cash Back on Amazon Purchases
5% Cash Back on Whole Food Market Purchases
2% Cash Back on U.S. Gas Stations
2% Cash Back on U.S. Restaurants
2% Cash Back on U.S. Cell Phone Services
