Ranked by First Year Value Business Credit Card Rankings

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Bonus Points
200,000
Minimum Spend
$20,000 / 3mo
Point Value
1.55 ¢
Annual Value
Annual Fee
$895

Differentiating Perks

airlines Global & Centurion Lounge Access airlines Semi-Annual $300 Hotel Statement Credits airlines Annual $200 Airline Credit hotels-resorts Quarterly $50 Hilton Credit airlines Annual Delta Sly Club Passes (10) hotels-resorts Marriott Bonvoy Gold Elite Status hotels-resorts Hilton Honors Gold Status
Limited Offer
Limited Offer
Bonus Points
200,000 hourglass-blue
Minimum Spend
$15,000 / 3mo hourglass-blue
Point Value
1.55 ¢
Annual Value
Annual Fee
$375 circle-info

Differentiating Perks

digital-wallet Unique 4X Spend Categories
Bonus Points
150,000
Minimum Spend
$20,000 / 3mo
Point Value
1.65 ¢
Annual Value
Annual Fee
$795

Differentiating Perks

hotels-resorts Annual $250 Edit Hotel Credit (2) travel Yearly $300 Travel Credit airlines Priority Pass & Sapphire Lounge Access airlines 4X on Flights hotels-resorts 4X on Hotels advertising-marketing 3X on Digital Marketing online-shopping Semi Annual $50 Gift Card Credit
Bonus Points
200,000
Minimum Spend
$30,000 / 3mo
Point Value
1.3 ¢
Annual Value
Annual Fee
$150

Differentiating Perks

digital-wallet Unlimited 2% Cash Back on All Purchases digital-wallet Points Transferable to Capital One Miles Cards
Bonus Points
150,000
Minimum Spend
$30,000 / 3mo
Point Value
1.3 ¢
Annual Value
Annual Fee
$395

Differentiating Perks

travel Yearly $300 Travel Portal Credit airlines Priority Pass & Capital One Lounge Access airlines Anniversary 10,000 Bonus Miles
Limited Offer
Limited Offer
Bonus Points
100,000 hourglass-blue
Minimum Spend
$8,000 / 3mo hourglass-blue
Point Value
1.65 ¢
Annual Value
Annual Fee
$95

Differentiating Perks

travel 3X on Travel* advertising-marketing 3X on Advertising & Marketing* shipping 3X on Shipping Purchases* internet-service 3X on Internet, Cable & Phone Services*
Bonus Points
75,000
Minimum Spend
$7,500 / 3mo
Point Value
1.65 ¢
Annual Value
Annual Fee
$0

Differentiating Perks

office-supplies 5X on Office Supply Stores* internet-service 5X on Internet Services* streaming-media 5X on Cable Services* cell-phone 5X on Phone Services* digital-wallet 0% Intro APR for 12 Months
Bonus Points
75,000
Minimum Spend
$7,500 / 3mo
Point Value
1.65 ¢
Annual Value
Annual Fee
$0

Differentiating Perks

digital-wallet 0% Intro APR for 12 Months digital-wallet 1.5X on All Purchases
Limited Offer
Limited Offer
Bonus Points
125,000 hourglass-blue
Minimum Spend
$15,000 / 6mo hourglass-blue
Point Value
1.2 ¢
Annual Value
Annual Fee
$650

Differentiating Perks

airlines Delta Sky Club Visits (15) airlines Anniversary Companion Certificate airlines Annual Delta Sky Club Guest Passes (4) airlines Centurion Lounge Access hotels-resorts Annual $250 Delta Hotel Portal Credit airlines Delta Upgrade Priority airlines 15% Discount on Every Delta Flight airlines Free Checked Bag + 8 Guests travel 3X on Delta Purchases
Limited Offer
Limited Offer
Bonus Points
100,000 hourglass-blue
Minimum Spend
$5,000 / 3mo hourglass-blue circle-info
Point Value
1.3 ¢
Annual Value
Annual Fee
$150

Differentiating Perks

airlines Yearly United Club Passes (2) airlines Free Checked Bag + 1 Guest airlines 7X on United Flight Purchases gas-stations 2X on Gas Stations office-supplies 2X on Office Supply Stores rideshare-transit 2X on Local Transit
Bonus Points
100,000
Minimum Spend
$10,000 / 3mo
Point Value
1.3 ¢
Annual Value
Annual Fee
$0 circle-info

Differentiating Perks

digital-wallet Unlimited 2% Cash Back on All Purchases digital-wallet Transferable to Capital One Miles Cards
Limited Offer
Limited Offer
Bonus Points
90,000 hourglass-blue
Minimum Spend
$6,000 / 6mo hourglass-blue
Point Value
1.2 ¢
Annual Value
Annual Fee
$0 circle-info

Differentiating Perks

hotels-resorts Annual $150 Delta Hotel Portal Credit airlines Delta Priority Boarding airlines 15% Discount on Every Delta Flight airlines Free Checked Bag + 8 Guests airlines 2X on Delta Purchases shipping 2X on U.S. Shipping Services advertising-marketing 2X on U.S. Advertising & Marketing
Limited Offer
Limited Offer
Bonus Points
100,000 hourglass-blue
Minimum Spend
$8,000 / 6mo hourglass-blue
Point Value
1.2 ¢
Annual Value
Annual Fee
$350

Differentiating Perks

airlines Annual Delta Companion Certificate hotels-resorts Annual $200 Delta Hotel Portal Credit airlines Delta Upgrade Priority airlines Free Checked Bag + 8 Guests airlines 15% Discount on Every Delta Flight airlines 3X on Delta Purchases hotels-resorts 3X on Hotels
Limited Offer
Limited Offer
Bonus Points
70,000 hourglass-blue
Minimum Spend
$4,000 / 3mo hourglass-blue circle-info
Point Value
1.6 ¢
Annual Value
Annual Fee
$70 circle-info

Differentiating Perks

airlines Anniversary $99 Companion Fare after $6,000 Spend airlines Free Checked Bag + 6 Guests airlines 3X on Hawaiian & Alaska Airlines Purchases
bonus-extra

Bonus Extra

$99 Companion Fare
Bonus Points
140,000
Minimum Spend
$4,000 / 3mo
Point Value
0.6 ¢
Annual Value
Annual Fee
$99

Differentiating Perks

hotels-resorts Anniversary Free Night digital-wallet 3X on All Purchases restaurants 5X on Restaurants gas-stations 5X on Gas Stations advertising-marketing 5X on Advertising & Marketing office-supplies 5X on Office Supply Stores hotels-resorts 10X on IHG Hotels & Resorts hotels-resorts IHG One Rewards Platinum Elite Status
Limited Offer
Limited Offer
Bonus Points
100,000 hourglass-blue
Minimum Spend
$5,000 / 3mo hourglass-blue circle-info
Point Value
1.3 ¢
Annual Value
Annual Fee
$695

Differentiating Perks

airlines United Club Membership airlines Free Checked Bags (2) + 1 Guest airlines 7X on United Flight Purchases
Bonus Points
75,000
Minimum Spend
$6,000 / 3mo
Point Value
1.3 ¢
Annual Value
Annual Fee
$0

Differentiating Perks

digital-wallet Unlimited 1.5% Cash Back on All Purchases digital-wallet Transferable to Capital One Miles Cards
Bonus Points
65,000
Minimum Spend
$4,000 / 3mo
Point Value
1.4 ¢
Annual Value
Annual Fee
$0 circle-info

Differentiating Perks

airlines Free Checked Bag + 4 Guests gas-stations 2X on Gas Stations car-rental 2X on Car Rentals airlines 2X on American Airlines Purchases
Bonus Points
60,000
Minimum Spend
$5,000 / 3mo
Point Value
1.7 ¢
Annual Value
Annual Fee
$199

Differentiating Perks

hotels-resorts World of Hyatt Elite Discoverist Status hotels-resorts 9X on Hyatt Hotels fitness-memberships 2X on Fitness & Memberships
Bonus Points
80,000
Minimum Spend
$5,000 / 3mo
Point Value
1.3 ¢
Annual Value
Annual Fee
$299 circle-info

Differentiating Perks

airlines Free Preferred Seat Upgrade at Booking airlines Anniversary 9,000 Bonus Points airlines 4X on Southwest Airlines Purchases
Bonus Points
0
Minimum Spend
$6,000 / 6mo circle-info
Point Value
0.7 ¢
Annual Value
Annual Fee
$125

Differentiating Perks

hotels-resorts Anniversary Free Night hotels-resorts Marriott Bonvoy Gold Elite Status hotels-resorts 6X on Marriott Hotels restaurants 4X on Restaurants gas-stations 4X on U.S. Gas Stations shipping 4X on U.S. Shipping Services
bonus-extra

Bonus Extra

3 Free Night Awards
Bonus Points
60,000
Minimum Spend
$3,000 / 3mo
Point Value
1.3 ¢
Annual Value
Annual Fee
$149 circle-info

Differentiating Perks

airlines Anniversary 6,000 Bonus Points airlines 3X on Southwest Airlines Purchases airlines Free Preferred Seat Upgrade (48 Hours Out)
Limited Offer
Limited Offer
Bonus Points
75,000 hourglass-blue
Minimum Spend
$6,000 / 3mo hourglass-blue
Point Value
1.0 ¢
Annual Value
Annual Fee
$0

Differentiating Perks

software Annual $100 Recurring Software Credit gas-stations 3% Cash Back on Gas & EV Charging restaurants 3% Cash Back on Restaurants office-supplies 3% Cash Back on Office Supply Stores cell-phone 3% Cash Back on Cell Phone Service digital-wallet 0% Intro APR for 12 Months
Bonus Points
50,000
Minimum Spend
$4,000 / 3mo
Point Value
1.6 ¢
Annual Value
Annual Fee
$99

Differentiating Perks

airlines 3X on Hawaiian & Alaska Airlines Purchases restaurants 2x on Restaurants gas-stations 2X on Gas Stations office-supplies 2X on Office Supply Stores
bonus-extra

Bonus Extra

50% Off Companion Discount
Limited Offer
Limited Offer
Bonus Points
175,000 hourglass-blue
Minimum Spend
$8,000 / 6mo hourglass-blue
Point Value
0.5 ¢
Annual Value
Annual Fee
$195

Differentiating Perks

hotels-resorts Hilton Honors Gold Status hotels-resorts Quarterly $60 Hilton Credits car-rental National Car Rental Emerald Club Executive Status hotels-resorts 12X on Hilton Hotels & Resorts digital-wallet 5X on All Purchases*
bonus-extra

Bonus Extra

1 Free Night Reward
Bonus Points
75,000
Minimum Spend
$7,500 / 3mo
Point Value
1.0 ¢
Annual Value
Annual Fee
$0 circle-info
Bonus Points
60,000
Minimum Spend
$2,000 / 3mo
Point Value
1.3 ¢
Annual Value
Annual Fee
$99

Differentiating Perks

airlines Priority Group A Boarding airlines Anniversary 5,000 Bonus Points airlines Free Checked Bag + 3 Guests airlines 6X on JetBlue Purchases restaurants 2X on Restaurants office-supplies 2X on Office Supply Stores
Bonus Points
50,000
Minimum Spend
$4,500 / 3mo
Point Value
1.3 ¢
Annual Value
Annual Fee
$0 circle-info

Differentiating Perks

car-rental Hertz Car Rental Five Star Status digital-wallet 2X Miles on All Purchases
Bonus Points
50,000
Minimum Spend
$4,500 / 3mo
Point Value
1.3 ¢
Annual Value
Annual Fee
$0

Differentiating Perks

car-rental Hertz Car Rental Five Star Status digital-wallet 1.5X on All Purchases
Bonus Points
50,000
Minimum Spend
$5,000 / 3mo
Point Value
1.3 ¢
Annual Value
Annual Fee
$0

Differentiating Perks

digital-wallet 2% Cash Back on All Purchases digital-wallet 0% Intro APR for 12 Months
Bonus Points
60,000
Minimum Spend
$6,000 / 4mo
Point Value
1.0 ¢
Annual Value
Annual Fee
$0 circle-info

Differentiating Perks

restaurants 2X on Restaurants cell-phone 2X on Cell Phone Services travel 4X on Travel* car-rental $25 Statement Credit after Ride Share Purchases
Bonus Points
75,000
Minimum Spend
$10,000 / 3mo
Point Value
1.0 ¢
Annual Value
Annual Fee
$195

Differentiating Perks

digital-wallet 2X on All Purchases
Bonus Points
45,000
Minimum Spend
$3,000 / 3mo
Point Value
1.0 ¢
Annual Value
Annual Fee
$95

Differentiating Perks

hotels-resorts Wyndham Rewards Diamond Status digital-wallet Anniversary 15,000 Bonus Points hotels-resorts 8X on Hotels by Wyndham advertising-marketing 5X on Advertising & Marketing utilities 5X on Utilities
Bonus Points
100,000
Minimum Spend
$10,000 / 3mo
Point Value
0.65 ¢
Annual Value
Annual Fee
$195

Differentiating Perks

digital-wallet 2% Cash Back on All Purchases
Bonus Points
30,000
Minimum Spend
$3,000 / 3mo
Point Value
1.0 ¢
Annual Value
Annual Fee
$0

Differentiating Perks

digital-wallet 0% Intro APR for 7 Months
Bonus Points
30,000
Minimum Spend
$3,000 / 3mo
Point Value
1.0 ¢
Annual Value
Annual Fee
$0

Differentiating Perks

digital-wallet 0% Intro APR for 7 Months
Bonus Points
25,000
Minimum Spend
$3,000 / 3mo
Point Value
1.0 ¢
Annual Value
Annual Fee
$0

Differentiating Perks

digital-wallet 2X on All Purchases* digital-wallet 0% Intro APR for 12 Months
Bonus Points
15,000
Minimum Spend
$3,000 / 3mo
Point Value
1.55 ¢
Annual Value
Annual Fee
$0

Differentiating Perks

digital-wallet 2X on All Purchases* digital-wallet 0% Intro APR for 12 Months
Bonus Points
15,000
Minimum Spend
$3,000 / 3mo
Point Value
1.55 ¢
Annual Value
Annual Fee
$95
Bonus Points
12,500
Minimum Spend
$1 / 3mo
Point Value
0.8 ¢
Annual Value
Annual Fee
$0

Differentiating Perks

online-shopping 5% Cash Back on Amazon Purchases groceries 5% Cash Back on Whole Food Market Purchases gas-stations 2% Cash Back on U.S. Gas Stations restaurants 2% Cash Back on U.S. Restaurants cell-phone 2% Cash Back on U.S. Cell Phone Services
Bonus Points
0
Minimum Spend
$0 / 3mo
Point Value
1.0 ¢
Annual Value
Annual Fee
$0

Differentiating Perks

gas-stations 4% Cash Back on Gas & EV Charging* restaurants 3% Cash Back on Restaurants travel 3% Cash Back on Travel wholesale-clubs 2% Cash Back on Costco Purchases