Business Credit Card Rankings

Ranked by First Year Value
Clear Filters
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
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
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
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
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
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
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
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
75,000 $5,000 1.4 ¢ $50 $0
$1170
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
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
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
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
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
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
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
75,000 $6,000 1.1 ¢ $0 $0
$891
Best Value Differentiating Perks Rules
Up to 3% cash back on select categories 5/24 , Citi 6/6
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
60,000 $5,000 1.6 ¢ $50 $199
$891
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
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
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
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
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
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
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
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
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
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
60,000 $3,000 1.2 ¢ $0 $70
$686
Best Value Differentiating Perks Rules
Alaskan Airline Flights Annual $99 companion Fare No CR , B of A 1/24 , No 5/24
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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