Business Credit Card Rankings

Ranked by First Year Value
  • American Express
  • Bank Of America
  • Barclaycard
  • Capital One
  • CitiBank
  • JP Morgan Chase
  • US Bank
  • Wells Fargo
  • Alaska Airlines Mileage Plan
  • American Airlines Miles
  • Amex Member Rewards
  • Capital One Miles
  • Cash in Cents
  • Chase Ultimate Rewards
  • Delta SkyMiles
  • Hilton Honors
  • IHG Rewards
  • Marriott Bonvoy
  • Other Point System
  • Southwest Rapid Rewards
  • US Bank Flex Perks
  • United MileagePlus
  • Wells Fargo Go Far Rewards
  • World of Hyatt
  • Wyndham Rewards
  • jetBlue trueBlue
  • Airline Incidentals
  • Anniversary Date Bonus Points
  • Car Rental Insurance
  • Cell Phone Protection
  • Companion Pass
  • Concierge
  • Extended Warranty
  • Free Checked Bag
  • Free Room Annually
  • Hotel Perks
  • Lounge Access
  • No Foreign Transaction Fees
  • Preferred Boarding
  • Price Protection
  • Purchase Protection
  • Roadside Assistance
  • Statement Credits
  • TSA Pre Check
  • Travel Credits
  • Travel Insurance
  • Any
  • No Annual Fee
  • $100 or under
  • Any
  • $1000 or under
  • $3000 or under
  • $5000 or under
Clear Filters

Capital One Spark Cash Plus

Capital One Miles »
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
200,000 $30,000 1.1 ¢ $0 $150
$2380
Best Value Differentiating Perks Rules
Cash Back 2% Cash Back every purchase. No CR , 5/24
Capital One Spark Cash Plus I Already Own Make Personal Notes   

Amex Business Platinum

Amex Member Rewards »
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
150,000 $20,000 1.5 ¢ $230 $695
$2153
Best Value Differentiating Perks Rules
1.54 cents in Amex Travel Portal Premier Airport Lounges, Hilton Gold Status, 5x points on Amex travel No CR , No 2nd Biz , Amex 3/90 , No 5/24 , Amex 1/10
Amex Business Platinum I Already Own Make Personal Notes   

Chase Ink Business Preferred

Chase Ultimate Rewards »
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
90,000 $8,000 1.6 ¢ $125 $95
$1598
Best Value Differentiating Perks Rules
Southwest, United & Hyatt transfers 3X points on travel, shipping, internet, cable, phone & online advertising No CR , 5/24 , Chase 2/30 , Chase 4/6
Chase Ink Business Preferred I Already Own Make Personal Notes   

Capital One Venture X Business

Capital One Miles »
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
150,000 $30,000 1.1 ¢ $0 $395
$1585
Best Value Differentiating Perks Rules
10x Miles at hotels.com, 2x miles everything else 5/24
Capital One Venture X Business I Already Own Make Personal Notes   

Chase Ink Business Cash

Chase Ultimate Rewards »
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
75,000 $7,500 1.6 ¢ $128 $0
$1448
Best Value Differentiating Perks Rules
Southwest, United & Hyatt transfers 5X points at office supply stores & phone, internet & cable services No CR , 5/24 , Chase 2/30 , Chase 4/6
Chase Ink Business Cash I Already Own Make Personal Notes   

Chase Ink Business Unlimited

Chase Ultimate Rewards »
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
75,000 $7,500 1.6 ¢ $25 $0
$1345
Best Value Differentiating Perks Rules
Southwest, United & Hyatt transfers 1.5X points on all purchases No CR , 5/24 , Chase 2/30 , Chase 4/6
Chase Ink Business Unlimited I Already Own Make Personal Notes   

Amex Business Gold

Amex Member Rewards »
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
100,000 $15,000 1.4 ¢ $2 $375
$1237
Best Value Differentiating Perks Rules
Delta & Hilton transfers Unique 4X spend categories No CR , Amex 3/90 , No 5/24 , Amex 1/10
Amex Business Gold I Already Own Make Personal Notes   

United Business

United MileagePlus »
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
75,000 $5,000 1.3 ¢ $125 $0
$1165
Best Value Differentiating Perks Rules
Intl Biz Class 2 United Club Passes Annually, Free Bag for you and a companion, Priority boarding No CR , 24 from Bonus , 5/24 , Chase 2/30 , Chase 4/6
United Business I Already Own Make Personal Notes   

Southwest Rapid Rewards Performance Business

Southwest Rapid Rewards »
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
80,000 $5,000 1.3 ¢ $130 $199
$1036
Best Value Differentiating Perks Rules
Companion Pass, US & Caribbean Flights 9000 bonus points annually, 4 A-list boardings, WiFi credit, TSA Credit No CR , 5/24 , Chase 2/30 , Chase 4/6
Southwest Rapid Rewards Performance Business I Already Own Make Personal Notes   

American Airlines Citi Business

American Airlines Miles »
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
65,000 $4,000 1.4 ¢ $50 $0
$1016
Best Value Differentiating Perks Rules
AA International Flights First checked bag free, Preferred boarding, Double miles at gas stations & restaurants No CR , AA Personal 48 , No 2nd Biz , No 5/24 , Citi 1/95 , Citi 2/65 , Citi 1/8 , Citi 6/6
American Airlines Citi Business I Already Own Make Personal Notes   

Wyndham Rewards Earner Business

Wyndham Rewards »
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
75,000 $12,000 1.0 ¢ $205 $95
$980
Best Value Differentiating Perks Rules
Wyndham Hotels, All Inclusives 15,000 bonus points annually, Avis & Budget upgrade and Suite upgrades. No CR , No 5/24 , Barclay 0/6
Wyndham Rewards Earner Business I Already Own Make Personal Notes   

World of Hyatt Business

World of Hyatt »
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
60,000 $7,000 1.6 ¢ $50 $199
$923
Best Value Differentiating Perks Rules
Hyatt Hotel Stays, All Inclusive Discoverist Status & 9x points toward Hyatt hotel purchases 5/24 , No CR , Chase 2/30 , Chase 4/6
World of Hyatt Business I Already Own Make Personal Notes   

US Bank Business Leverage

US Bank Flex Perks »
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
75,000 $7,500 1.1 ¢ $0 $0
$908
Best Value Differentiating Perks Rules
US Bank Travel Portal 2x back on unique spend categories not offered by other cards. No CR , 5/24 , Citi 6/6
US Bank Business Leverage I Already Own Make Personal Notes   

Capital One Spark Cash

Capital One Miles »
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
75,000 $7,500 1.1 ¢ $0 $0
$908
Best Value Differentiating Perks Rules
Cash Back 2% Cash Back every purchase. No CR , 5/24
Capital One Spark Cash I Already Own Make Personal Notes   

IHG One Rewards Premier Business

IHG Rewards »
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
140,000 $4,000 0.6 ¢ $125 $99
$890
Best Value Differentiating Perks Rules
IHG Hotels Platinum Elite status, Anniversary Free Night No CR , 5/24 , Chase 2/30 , Chase 4/6
IHG One Rewards Premier Business I Already Own Make Personal Notes   

Delta SkyMiles Platinum Business

Delta SkyMiles »
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
70,000 $6,000 1.2 ¢ $250 $350
$812
Best Value Differentiating Perks Rules
Delta flights $100 credit with Delta purchase, Anniversary companion pass No CR , No 2nd Biz , Amex 4 Credit , Amex 3/90 , No 5/24 , Amex 1/10
Delta SkyMiles Platinum Business I Already Own Make Personal Notes   

Alaska Airlines Business

Alaska Airlines Mileage Plan »
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
60,000 $3,000 1.4 ¢ $0 $70
$812
Best Value Differentiating Perks Rules
Alaskan Airline Flights Annual $99 companion Fare No CR , B of A 1/24 , No 5/24
Alaska Airlines Business I Already Own Make Personal Notes   

Southwest Rapid Rewards Premier Business

Southwest Rapid Rewards »
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
60,000 $3,000 1.3 ¢ $80 $99
$800
Best Value Differentiating Perks Rules
Companion Pass, US & Caribbean Flights 6000 bonus points annually No CR , 5/24 , Chase 2/30 , Chase 4/6
Southwest Rapid Rewards Premier Business I Already Own Make Personal Notes   

Wells Fargo Signify Business

Wells Fargo Go Far Rewards »
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
50,000 $5,000 1.4 ¢ $0 $0
$770
Best Value Differentiating Perks Rules
No 5/24
Wells Fargo Signify Business I Already Own Make Personal Notes   

Delta SkyMiles Gold Business

Delta SkyMiles »
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
60,000 $4,000 1.2 ¢ $0 $0
$768
Best Value Differentiating Perks Rules
Delta International Flights Priority Boarding, Free checked bag, 20% off in-flight purchases No CR , No 2nd Biz , Amex 4 Credit , Amex 3/90 , No 5/24 , Amex 1/10
Delta SkyMiles Gold Business I Already Own Make Personal Notes   

US Bank Business Altitude Power

US Bank Flex Perks »
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
75,000 $10,000 1.1 ¢ $0 $195
$740
Best Value Differentiating Perks Rules
2X on all purchases 5/24 , Citi 6/6
US Bank Business Altitude Power I Already Own Make Personal Notes   

US Bank Business Altitude Connect

US Bank Flex Perks »
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
60,000 $6,000 1.1 ¢ $0 $0
$726
Best Value Differentiating Perks Rules
$25 statement credit after three consecutive monthly taxi 5/24 , Citi 6/6
US Bank Business Altitude Connect I Already Own Make Personal Notes   

Delta SkyMiles Reserve Business

Delta SkyMiles »
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
80,000 $10,000 1.2 ¢ $270 $650
$700
Best Value Differentiating Perks Rules
Delta flights Delta sky club access, Annual companion certificate No CR , Amex 4 Credit , Amex 3/90 , No 5/24 , Amex 1/10
Delta SkyMiles Reserve Business I Already Own Make Personal Notes   

Marriott Bonvoy Business

Marriott Bonvoy »
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
90,000 $6,000 0.7 ¢ $125 $125
$672
Best Value Differentiating Perks Rules
Marriott stays & transfer top-offs Solid 4x categories, annual free room No CR , No 2nd Biz , Bonvoy 1/24 , Amex 3/90 , No 5/24 , Amex 1/10
Marriott Bonvoy Business I Already Own Make Personal Notes   

Hilton Honors Business

Hilton Honors »
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
130,000 $6,000 0.6 ¢ $50 $195
$671
Best Value Differentiating Perks Rules
Hilton Stays & Perks Room Upgrades,Free breakfast, Late Checkout, 12X points on Hilton bookings, 6X on many other purchases, 10 Lounge passes No CR , No 2nd Biz , Amex 4 Credit , Amex 3/90 , No 5/24 , Amex 1/10
Hilton Honors Business I Already Own Make Personal Notes   

Chase Ink Business Premier

Cash in Cents »
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
100,000 $10,000 0.7 ¢ $125 $195
$645
Best Value Differentiating Perks Rules
Gift cards or travel purchases 5X points on travel, unlimited 2x cash back No CR , 5/24 , Chase 2/30 , Chase 4/6
Chase Ink Business Premier I Already Own Make Personal Notes   

United Club Business

United MileagePlus »
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
80,000 $5,000 1.3 ¢ $195 $695
$605
Best Value Differentiating Perks Rules
Int. Biz Class United Club Access + Star Alliance lounges, 2 bags free for you & 1 companion No CR , 5/24 , Chase 2/30 , Chase 4/6
United Club Business I Already Own Make Personal Notes   

Capital One Spark Miles

Capital One Miles »
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
50,000 $4,500 1.1 ¢ $0 $0
$600
Best Value Differentiating Perks Rules
Wyndham transfers 2x Miles on every purchase, erase travel purchases, primary car insurance. No CR , 5/24
Capital One Spark Miles I Already Own Make Personal Notes   

Capital One Spark Miles Select

Capital One Miles »
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
50,000 $4,500 1.1 ¢ $0 $0
$600
Best Value Differentiating Perks Rules
1.5 Miles on every purchase 5/24
Capital One Spark Miles Select I Already Own Make Personal Notes   

Capital One Spark Cash Select

Capital One Miles »
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
50,000 $4,500 1.1 ¢ $0 $0
$600
Best Value Differentiating Perks Rules
1.5 Miles on every purchase 5/24
Capital One Spark Cash Select I Already Own Make Personal Notes   

US Bank Triple Cash Rewards Business

US Bank Flex Perks »
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
50,000 $4,500 1.1 ¢ $0 $0
$600
Best Value Differentiating Perks Rules
Up to 3% cash back on select categories 5/24 , Citi 6/6
US Bank Triple Cash Rewards Business I Already Own Make Personal Notes   

JetBlue Business

jetBlue trueBlue »
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
50,000 $4,000 1.2 ¢ $0 $99
$549
Best Value Differentiating Perks Rules
JetBlue Flights 6x Points on JetBlue purchases, Free first checked bag, 50% inflight savings. No CR , No 5/24 , Barclay 0/6
JetBlue Business I Already Own Make Personal Notes   

Bank of America Business Travel

Cash in Cents »
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
30,000 $3,000 1.0 ¢ $0 $0
$330
Best Value Differentiating Perks Rules
Cash 3X multiplier for travel purchases with no annual fee No CR , No 5/24
Bank of America Business Travel I Already Own Make Personal Notes   

Bank of America Platinum Plus Business

Cash in Cents »
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
30,000 $3,000 1.0 ¢ $0 $0
$330
Best Value Differentiating Perks Rules
cash No 5/24
Bank of America Platinum Plus Business I Already Own Make Personal Notes   

Amex Blue Business Cash

Cash in Cents »
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
25,000 $3,000 1.0 ¢ $0 $0
$280
Best Value Differentiating Perks Rules
Cash Back Amex 3/90 , No 5/24 , Amex 1/10
Amex Blue Business Cash I Already Own Make Personal Notes   

Hawaiian Airlines Business

Other Point System »
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
50,000 $4,000 0.7 ¢ $0 $99
$279
Best Value Differentiating Perks Rules
Hawaiian Airlines Flights 50% off companion discount No CR , No 5/24 , Barclay 0/6
Hawaiian Airlines Business I Already Own Make Personal Notes   

Amex Blue Business Plus

Cash in Cents »
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
15,000 $3,000 1.0 ¢ $0 $0
$180
Best Value Differentiating Perks Rules
Cash Back Amex 3/90 , No 5/24 , Amex 1/10
Amex Blue Business Plus I Already Own Make Personal Notes   

Amex Business Green

Amex Member Rewards »
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
15,000 $3,000 1.4 ¢ $0 $95
$157
Best Value Differentiating Perks Rules
Delta & Hilton transfers 2x points on restaurants,entertainment and Grocery stores No CR , Amex 3/90 , No 5/24 , Amex 1/10
Amex Business Green I Already Own Make Personal Notes   

Amazon Business Prime

Other Point System »
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
12,500 $1 0.7 ¢ $0 $0
$88
Best Value Differentiating Perks Rules
Amazon Purchases 5% back on Amazon & at Whole Foods No CR , No 2nd Biz , Amex 3/90 , No 5/24 , Amex 1/10
Amazon Business Prime I Already Own Make Personal Notes   

Citi Costco Business

Cash in Cents »
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
0 $0 1.0 ¢ $0 $0
$0
Best Value Differentiating Perks Rules
Cash Back Earn 4% on eligible gas purchases No 5/24 , Citi 1/95 , Citi 2/65 , Citi 1/8 , Citi 6/6
Citi Costco Business I Already Own Make Personal Notes