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THE BUSINESS PLATINUM CARD® FROM AMERICAN EXPRESS
Welcome Offer: Earn up to 300,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership. Terms Apply.
MY THOUGHTS
The Business Platinum Card by American Express has a high annual fee but all the bells and whistles needed to justify it. Amazing, limited time offer, lounge access, $200 annual airline incidental credit, and more. Once again, you do not need to own a “traditional business” to qualify for one.
Annual Fee $895
✦ $200 annual airline selected credit ✦ 35% Selected Airline Bonus ✦ $200 annual airline selected credit ✦ $300 ChatGPT credit ✦ $600 prepaid FH&R hotel credit ✦ $200 Hilton credit ($50/quarter) ✦ $120 Wireless credit ($10mo) ✦ Centurion/Priority Lounge access ✦ Delta Sky Club® access
CAPITAL ONE VENTURE BUSINESS®
Welcome Offer: BEST EVER Limited Bonus offer of 100,000 miles after you spend $10,000 in eligible purchases in the first 3 months of membership.
MY THOUGHTS
The Capital One Venture Business (formerly Spark Miles for Business) is an excellent choice for business owners who want simple travel rewards without a premium annual fee. It earns a flat rate on every purchase and offers flexible redemption options, making it easy to use.
Annual Fee $95
✦ 5x on Hotels, Vacation Rentals (Airbnb, Vrbo, etc.) when booked through the Capital One Travel Portal. ✦ 2 miles per $1 on every purchase with no spending caps.
AMERICAN EXPRESS PLATINUM CARD®
Welcome Offer: Earn up to 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on the Personal Platinum Card® within the first 6 months of Card Membership. Terms Apply.
MY THOUGHTS
This card is absolutely loaded with high-end perks well worth the annual fee. The annual fee is high, but if you take advantage of the coupons and credits it's worth it. This is currently my top-rated card.
Annual Fee $895 ✦ $200 annual airline selected credit✦ $600 prepaid FH&R hotel credit ✦ $400 Resy® Restaurant credit ($100/quarter) ✦ $300 Entertainment credit ($25/mo) ✦ $185 Uber (Eats) credit ($15/mo) ✦ $120 Uber One membership ✦ $300 lululemon credits ($75/quarter) ✦ $209 CLEAR® credit ✦ $100 Saks credit ($50 semi-annual) ✦ Centurion/Priority Lounge access ✦ Hilton/Marriott Gold status
CHASE SAPPHIRE RESERVE BUSINESS℠
Welcome Offer: Limited Bonus offer of 200,000 Membership Rewards® points after you spend $30,000 in eligible purchases on this card within the first 6 months of membership.
MY THOUGHTS
The Chase Sapphire Reserve® for Business has a high annual fee, so the big question is whether you'll actually use these benefits. If you are a frequent traveler and/or a business owner, this card can be an excellent value. I just got this card in June and I’m excited about how I am going to take advantage of the benefits.
Annual Fee $795
✦ 8x using Chase Travel Portal ✦ 4x on flights and hotels ✦ 3x on Advertising ✦ 5x on Lyft (through 9.2027) ✦ $300 annual travel credit ✦ Chase Lounge access with 2 guests ✦ $500 The Edit Hotel Credit ✦ $200 Google Workspace credit ✦ $400 ZipRecruiter credit ✦ $120 Lyft credit ✦ $100 Curated Gift Card credit
Editorial Note
Content is not provided or commissioned by credit card issuers. Opinions expressed here are the author’s alone, not those of the credit card issuers, and have not been reviewed, approved, or otherwise endorsed by the credit card issuers.
AMERICAN EXPRESS® BUSINESS GOLD CARD
Welcome Offer: Earn up to 200,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership. Terms Apply.
MY THOUGHTS
The real benefit of the American Express® Business Gold Card is the ability to earn 4x points on the spend categories where your business spends the most each month. Overall, this is an excellent long-term card for business owners.
Annual Fee $375 ✦ Advertising 4x ✦ Airlines 4x ✦ Dining 4x ✦ Gas 4x ✦ Shipping/FedEx 4x ✦ $240 flexible business credit ($20mo) ✦ $300 ChatGPT credit
CHASE INK BUSINESS UNLIMITED®
Welcome Offer: BEST EVER Limited Bonus offer of $1,000 Cash Back after you spend $8,000 in eligible purchases in the first 4 months of membership.
MY THOUGHTS
The Chase Ink Business Unlimited® Credit Card is one of the best no-annual-fee business cards for business owners who want simple, uncapped rewards. Instead of tracking spending categories, it earns the same rate on every purchase, making it an excellent "catch-all" card.
Annual Fee $0
✦ 1.5% Cash Back on unlimited spending.
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