Business

Monkey Miles Business Credit Cards

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Here at Monkey Miles we strive to provide you the best credit card offers available, whether we make a commission or not. With that being said, we appreciate when you use our affiliate links when they are the best available since this is a source of income for our site, and how we keep Miles the Monkey happy.

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Chase Ink Business Preferred® Credit Card

4.9
4.9/5

The Chase Ink Business Preferred® is one of my favorite small business credit cards that earns 3x on travel, cable, phone, and social media marketing, up to $150k yearly spend.

Add in mobile phone insurance and you’ve got a killer card that earns transferrable Ultimate Rewards for $95 a year.

Welcome Offer

100k points after $8k spend in 3 months

Annual Fee

$95

Points Earned

Transferrable Ultimate Rewards

 

  • 100k point welcome bonus after $8k spend in 3 months
  •  3x on first $150k of yearly spend on
    •  Travel
    • Phone, Cable, Internet
    •  Social Media/Search advertising
    •  Shipping
  • 1x on all other purchases
  • Cell Phone Insurance
  • No Foreign Transaction fees
  • Add additional employee cards
  • Redeem at 1.25c for travel with Chase Travel
  • $95 annual fee
  • Member FDIC

100k after $15k spend in 3 months is the highest we’ve ever seen

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

The Chase Ink Business Preferred® can serve as the premium Chase card in your wallet that you can merge your points into to make them transferrable. 

It earns 3x on travel, cable, your phone bill, and if you do an social media marketing, you’ll get 3x there as well.

 It also comes with competitive mobile phone insurance. I end up paying with this card quite often when I’m traveling for hotels, airfare, etc because the travel category is quite broad compared to other cards. It also has no foreign transaction fees. 

Learn More

Affiliate Link 

 

Chase Ink Business Unlimited® Credit Card

4.9
4.9/5

The Chase Ink Business Unlimited® Credit Card is a no annual fee card that earns an unlimited 1.5x on every single purchase without cap. 

Welcome Offer

$750 (75k Ultimate Rewards) after spending $6k in 3 months

Annual Fee

$0

Points Earned

Cashback in the form of Ultimate Rewards

  • 1.5x everywhere
  • No Annual fee
  • Cashback can be combined with a Premium Chase card and then transferred to partners.

90k is the best offer we’ve seen on this card with a $6k spend requirement in 3 months.

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

Earn unlimited 1.5x on purchases.

I’d highly recommend pairing this card with a Chase premium card so you can combine points and transfer them.

  • Chase Ink Business Preferred® Credit Card
  • Chase Sapphire Reserve®
  • Chase Sapphire Preferred® Card
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Affiliate Link 

 

Chase Ink Business Cash® Credit Card

4.9
4.9/5

The Chase Ink Business Cash® has no annual fee, gives you access to some great 5x bonus categories, and has a stunning welcome offer

Welcome Offer

$750 ( 75k Ultimate Rewards ) after spending $6k in the first 3 months

Annual Fee

$0

Points Earned

Cash Back in the form of Ultimate Rewards.

 

  • 5x Bonus points at
    • Office Supply stores
    • Internet, Cable, and Phone Services
    • capped at $25k
  • 2x Bonus points at
    • Gas Stations
    • Restaurants
    • capped at $25k
  • .No Annual Fee

90k is the best offer we’ve seen on this card with a $6k spend requirement in 3 months

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

The Chase Ink Business Cash® gives you the ability to earn 5x points on purchases at office supply stores, internet, cable, and phone services up to $25k total a year. That’s 125k points if maxed out.

I know a lot of businesses incentivize their employees with gift cards as contest prizes, when they hit sales, thresholds, sign a new lease, renew contracts, etc. Many Office Supply stores sell gift cards and this gives you the ability to earn 5x points on office supply purchases. Pretty awesome if you ask me.

Also, if you carry a I’d highly recommend pairing this card with a Chase premium card so you can combine points and transfer them.

  • Chase Ink Business Preferred® Credit Card
  • Chase Sapphire Reserve®
  • Chase Sapphire Preferred® Card
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Non- Affiliate link

Information about this card has been collected independently by Monkey Miles. Card issuer is not responsible for the information or accuracy

The American Express Blue Business Cash™ Card

4.6
4.6/5

Earn 2% cashback on purchases up to $50k a year, then 1x

Welcome Offer

 Earn up to $500 cash back after $10k spend – see breakdown

Points Earned

Cashback

I prefer The Blue Business Plus™ Credit Card from American Express since it earns Membership Rewards and I value them at more than a penny a point…but, if cashback is your jam…this is pretty great at 2% and no fee.

  • Earn $250 after $5k spend in 3 months
    • Earn another $250 after $10k spend in the first year of cardmembership
  •  2% cashback on all purchases up to $50k throughout the year.
  • 2% cashback on all purchases up to $50k a year, then 1%
  • No Annual Fee. *Rates and Fees; terms apply

We have seen $250 cashback after $3k spend in 3 months

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

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Amex Targeted

Information about this card has been collected independently by Monkey Miles. Card issuer is not responsible for the information or accuracy.

The Blue Business® Plus Credit Card from American Express

4.9
4.9/5

Earn 2x on purchases up to $50k a year

Welcome Offer

50k Membership Rewards after $15k spend in 12 months

(check to see if referrals are offering higher YMMV)

Points Earned

Transferrable American Express Membership Rewards

Super straight forward business card. 

You’ll earn 2x on all your purchases up to $50k spent a year.

I use this in tandem with other Amex cards that have category bonuses, and throw spend on the Blue Business Plus when I can’t earn a higher multiple

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

Learn More

Affiliate Link

Southwest® Rapid Rewards® Performance Business Credit Card

3.7
3.7/5

If you have a small business and want to earn points that help you get a Southwest Companion Pass faster – The Southwest® Rapid Rewards® Performance Business Credit Card could be a good card to check out.

Welcome Offer

80,000 Rapid Rewards® points after $5,000 spend in the first three months

Annual Fee

$199

Points Earned

Southwest Rapid Rewards

 

  • 4X points on Southwest purchases
  • 3X points on Rapid Rewards®  hotel + car partners
  • 2X points
    • rideshare
    • social media and search engine advertising, internet, cable, and phone services
  •  
  • 9,000 bonus points after your Cardmember anniversary
  • 4 Upgraded Boardings per year when available.
  • Annual Fee $199
  • Member FDIC

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

If you sign up for this card alongside a Southwest personal card they points combine and help boost you to Companion Pass. 

Remember that Companion Pass is good during the year you achieve it as well as the year after. So if you can earn it during Jan/Feb you can get it for nearly 2 years. 

Non-Affiliate

Information about this card has been collected independently by Monkey Miles. Card issuer is not responsible for the information or accuracy.

CitiBusiness® AAdvantage® Platinum Select® World Mastercard®

3.7
3.7/5

No annual fee the first year, domestically you’ll get a first checked bag free, 25% discount on WiFi, and it doesn’t count against you 5/24 number

Welcome Offer

65k AA miles after $4k spend in 4 months

Annual Fee

$99 waived for the first year

Points Earned

AA Miles

Effectively this is the business version of the Citi® / AAdvantage® Platinum Select® Mastercard® with benefits like a first checked bag free of charge domestically, 25% off Wifi when you pay with the card, no fx fees, etc

The biggest difference is adding this card won’t affect your Chase 5/24 number

  • Earn 65k AA Miles after $4k in 4 months
  • Get a free first checked bag on domestic flights
  • 25% off AA in flight Wifi 
    • need to pay with your card
  • Preferred boarding
  • Earn 2x
    • Cable and satellite, telecom, car rental, and gas stations
  • 1x everywhere else
    • 1 AA miles + 1 Loyalty point
  • No fx fees

75k after $5k spend in 4 months


We keep an up to date spreadsheet that lists what the highest offers: 
You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

Non Affiliate

Information about this card has been collected independently by Monkey Miles. Card issuer is not responsible for the information or accuracy.

Barclay Aviator Red Business

4
4/5

Earn American Loyalty points, free first checked bag and 25% in flight savings

Welcome Offer

Up to 75k – see card benefits

Annual Fee

$95

Points Earned

American Aadvantage

Easy way to earn loyalty points, get a free checked back, and 25% off in flight purchases.

  • 80k welcome bonus
    • 60k after $2k spend in 90 days
    • 10k after employee card makes a purhcase
  • Annual fee of $95
  • First free checked bag
    • up to 4 companions
  • 3k EQM bonus after spending $25k/year
  • 25% inflight savings

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

Learn More

Affiliate Link

Chase Ink Business Premier(SM) Credit Card

4.6
4.6/5

If cashback is your cup of tea, you’ll earn unlimited 2% cashback and 2.5% cashback on purchases of $5k or more with the Chase Ink Business Premier(SM) Credit Card

Note: These points are not capable of being merged with other Ultimate Rewards like some other Chase cashback cards. 

Welcome Offer

$1000 after $10k spend in 3 months

Annual Fee

$195

Points Earned

Non-transferrable Ultimate Rewards

  • 2% cash back on all business purchases
  • 2.5% total cash back on purchases of $5,000 or more with no cap
  • 5% total cash back on travel purchased through Chase Ultimate Rewards Travel Center
  • No Foreign Transaction Fees
  • Trip Cancellation/Trip Interruption Insurance.
  • Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
  • There’s no additional cost for employee cards.
  • Annual fee is $195

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

This would be a main cast card if you’re looking to earn cashback vs transferrable points.

 

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

Who is this card right for?

  • You want cashback
  • You make a lot of big purchases and spend over $50k a year

 

Those who make a lot purchases over $5000 and appreciate cashback are the prime customer for this card.

Every single purchase earns 2% cashback which is on par with cards like the Capital One Spark Cash ( which has a $150 annual fee ), and the Amex Blue Business Plus ( no annual fee ) which caps that earning at $50k in a year. 

But, the place where the Ink Business Premier separates itself is on the 2.5% back on any purchase over $5000.

If you’re making a lot of $5000+ purchases, enjoy cashback, and spend more than $50k a year. This is a big earner.

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150k Reader Referral link

Information about this card has been collected independently by Monkey Miles. Card issuer is not responsible for the information or accuracy.

See Breakdown

200k Phone Offer

Information about this card has been collected independently by Monkey Miles. Card issuer is not responsible for the information or accuracy.

The Business Platinum Card® from American Express

4.8
4.8/5

If you’re looking for loads of benefits WHEN you travel, that comes with an extensive list of statement credits and benefits like lounge access, hotel elite status, and 35% back ( up to 1 million ) when you redeem points on your select airline and premium air travel via Amex Travel this is worth a close look.

Welcome Offer

See Breakdown – up to 200k 

Information about this card has been collected independently by Monkey Miles. Card issuer is not responsible for the information or accuracy.

Points Earned

Transferrable Membership Rewards

 

The annual fee on the American Business Platinum Card® is quite steep so you want to make sure you take a look at the benefits/credits and confirm you’ll use them every year. 

I’ve found that I earn more points from the American Express® Business Gold , but I’m able to take advantage of  a lot of statement credits, lounge access, and 35% points back on premium air travel booked via the Amex Travel Portal…effectively 1.54 cents per point.

I take advantage of this perk when it requires fewer points than transferring thus reducing the amount of points spent when booking.

Phone offer – Up to 200k Membership Rewards®

  • Must call 855-531-3491
  • 190k points after $15k spend in 3 month + 10k points after you add an employee card and spend $1k.

150k Referral offer – see referral page here

  • 150k points after $15k spend in 3 months

 Information about this card has been collected independently by Monkey Miles. Card issuer is not responsible for the information or accuracy.

  • Earn 1.5X points on the following – capped at $2million in purchases per calendar year
    • eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers.
    • Purchases $5,000 or more everywhere else
  • Up to $189 Annual Clear Plus credit (enrollment required )
    • subject to auto renewal
  • Up to $200 annual airline incidental fee reimbursement (enrollment required )
  • up to $120 Annual Wireless Credit ( enrollment required )
    • Up to $10 per month wireless credit,
    • Must make payments directly to any US Wireless provider
  • Global Entry fee reimbursement – worth up to  $100 (enrollment required )
    • Every 4 years
  • Priority Pass Select membership  (enrollment required )
  • Cell Phone Insurance
    • $800 per claim, 2x per 12 month period
    • $50 deductible per approved claim
  • Delta Sky Club lounge access – when flying on Delta
  • Centurion Lounge access – network expanding and very worthwhile
    • I do love these clubs! Check out SFO, MIAMI
  • Access to Fine Hotels and Resorts
    1. Amazing benefits such as free breakfast, resort credits, room upgrades, early check in, late check out, etc
      • Using Amex FHR has earned me $100s per stay each time I use it.
  • Over 20 transfer partners: like Singapore Air, Air Canada, Air France, British Airways
  • Marriott Gold status (enrollment required )
  • Hilton Honors Gold status (enrollment required )
  • The Hotel selection
    1. slightly different than Fine Hotels and Resorts, but provides great benefits, credits, and upgrades
  • 5x points on flights booked through Amex Travel
  • Access to International Airlines Program rates for select premium cabin flights originating in the USA
  • Up to $400 Annual Dell credit ( enrollment required )
    • This is split into 2, $200 credits, applied every 6 months: Jan to June and July to Dec
  • Up to $360 Indeed credit ( enrollment required )
    •  get $90 per quarter, Up to $360 annual statement credit
    • on all Indeed hiring and recruiting products and services
  • Up to $150 Adobe credit ( enrollment required )
    • : $150 annual statement credit on select purchases,
    • Adobe Creative Cloud, creative apps and services, and Acrobat Pro DC with e-sign.
  • Annual fee $695 *Rates and Fees; terms apply

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

a credit card with a picture of a man

Learn More

Reader Referral link

Information about this card has been collected independently by Monkey Miles. Card issuer is not responsible for the information or accuracy.

American Express® Business Gold Card

4.8
4.8/5

Earn 4x Membership Rewards on the top 2 monthly categories where you spend the most – this is why I keep the card in my wallet. Check the card benefits for more details

Welcome Offer

Referrals vary: Up to 130k Membership Rewards after $10k in 3 months

Points Earned

Transferrable Membership Rewards

 

The American Express® Business Gold is a Membership Rewards earning machine with its 4x category bonuses.

I use this card to buy gas when on business trips, purchase online advertising to help Monkey Miles grow, and occasionally I’ll even purchase airline tickets direct from the airline. 

You can get up to $20 per month as a statement credit at FedEx, GrubHub, or Office Supply Stores and I typically use this up with GrubHub…that’s $240 of the annual fee recouped right there.

  • 4x on 2 of the following categories where you spend most in a month
    • U.S. purchases for advertising in select media (online, TV, radio)
    • U.S. purchases made directly electronic goods retailers and software & cloud systems providers
    • U.S. purchases at gas stations
    • U.S. purchases at restaurants, including takeout and delivery
    • Transit purchases
      • including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
    • Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
    • Capped at $150k total on combined categories
  • Earn up to $20 in statement credits monthly for eligible U.S. purchases at
    • FedEx
    • Grubhub
    • Office Supply Stores
    • Enrollment required.
  • Get $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership
    • (subject to auto-renewal) with your Business Gold Card.
    • $12.95 plus applicable taxes
  • $375 annual fee (Rates and Fees).

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

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Affiliate Link

IHG One Rewards Premier Business Credit Card

4.6
4.6/5

For $99 a year, this small business card yields IHG One rewards Platinum Status, a free night award certificate every year, 4th night free on award stays of 4 consecutive nights, and a $50 United Travel Bank. 

Welcome Offer

140,000 IHG One Rewards after $3k spend within 3 months of account opening

Annual Fee

$99

Points Earned

IHG One Rewards

 

  • 140k bonus points after spending $3k in the first 3 months of account opening
  • Enjoy an Anniversary Free Night at IHG Hotels & Resorts
    • These are currently valid at properties 40k points and below
    • You can now add points to these nights should you want to stay at a pricier property
    • Spend $60k on the card + 1 purchase and get another anniversary night
  • 4th night free when redeeming points on a 4 consecutive night point redemption
  • 10x at IHG Hotels & Resorts worldwide ( this is on top of the bonus you get as a IHG Rewards member )
    • 5x
      • travel
      • gas stations
      • dining/restaurants
      • social media and search engine advertising
      • office supply stores
    • 3x everywhere else
  • Spend your way to Diamond with $40k in annual purchases
  • Get a 10k bonus points and $100 statement credit when you spend $20k + one additional purchase in a year
  • $50 United Travel Bank credit
  • 20% off purchased points
    • Can’t be stacked with points sales tho
  • Global Entry or TSA PreCheck® Fee Credit –
    • The primary cardholder receives a Global Entry or TSA PreCheck® Fee Credit of up to $100 every four years as reimbursement for the application fee charged to the Card
  • Automatic Platinum Elite status as long as you remain a Premier Business cardmember
  •  
  • No Foreign Transaction
  • $99 annual fee
  • Member FDIC

140k after $3k spend in 3 months is the best we’ve seen

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

It’s so easy to see how the annual fee is recouped. I don’t have this card quite yet, but it’s on my list to pick up in the near future.

  • A free anniversary award night every year you keep the card, worth up to 40k IHG One Rewards ( you can add unlimited points to this award night as well ) This easily offsets the annual fee for me.
  • 4th night free when redeeming points on stays of 4 consecutive nights
  • Cardholder award night sales where you get notice to book in advance or exclusively for cardholders
  • The United credit offset roughly half the annual fee
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Affiliate Link

Delta SkyMiles® Gold Business American Express Card

3.7
3.7/5

Enjoy a free first check bag + 15% off award flights operated by Delta.

Welcome Offer

Earn 80,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership

Annual Fee

$0 first year; $150 after that *Rates and Fees; terms apply

Points Earned

Delta SkyMiles

If you utilize the free first checked bag + 15% off award flights enough you could offset the ongoing annual fee. 

  • Limited Time Offer: Earn 80,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 3/27/24.
  • $0 introductory annual fee for the first year, then $150
  • Card Members save 15% when booking Award Travel with miles on Delta flights when using delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • $200 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases in a year.
  • Earn 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year.
  • Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
  • Earn 1 Mile on every eligible dollar spent on other purchases.
  • First Checked Bag Free on Delta Flights + Main Cabin 1 Priority Boarding.
  • $150 annual statement credit of up to $150
    • Use Delta Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
  • Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
  • Pay no foreign transaction fees when you travel overseas.
  • Terms and limitations apply.

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

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Non-Affiliate

Information about this card has been collected independently by Monkey Miles. Card issuer is not responsible for the information or accuracy.

Delta SkyMiles® Platinum American Express Card

3.7
3.7/5

If you’re a Delta loyalist looking to earn some MQMs for status, want an annual domestic main cabin companion certificate, free first checked bag, and 15% off award flights.

Welcome Offer

90k Delta SkyMiles after $4k spend in 6 months

Points Earned

Delta SkyMiles

 

There are a few ways I can see keeping this card in your wallet if you’re a Delta loyalist that can recoup the $350 annual fee. Make sure you look at the Amex Application Rules here 

  • You take advantage of the domestic main cabin companion certificate for flights that price over $350
  • You can make use of the new statement credits that went into effect 2/1/24
  • You don’t have status that wavies bag fees, but fly enough with checked bags to recoup a few first checked bag fees a year 
  • You’re sitting on a lot of Delta miles and the 15% savings comes in handy when redeeming Delta award tickets
  • Earn 90,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months.
  • Receive a Companion Certificate on Main Cabin domestic, Caribbean, or Central American roundtrip flights to select destinations each year after renewal of your Card.
    • The Companion Ticket requires payment of the government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments).
    • Baggage charges and other restrictions apply. See terms and conditions for details.
  • New! Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year 
  • Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app
    • . Discount not applicable to partner-operated flights or to taxes and fees.
  • New! Earn $1 Medallion® Qualification Dollar for each $20 of purchases made on your Delta SkyMiles® Platinum American Express Card in a calendar year 
  • Earn 3X Miles on Delta purchases and purchases made directly with hotels.
  • Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.
  • Earn 1X Mile on all other eligible purchases.
  • New! $120 Resy Credit:
    • With the Delta SkyMiles® Platinum American Express Card Resy Credit, earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
  • New! $120 Rideshare Credit:
    • You can earn up to $10 back in statement credits each month on U.S. rideshare purchases with select providers after you pay with your Delta SkyMiles® Platinum American Express Card. Enrollment Required.
  • Enjoy your first checked bag free on Delta flights. Plus enjoy Main Cabin 1 Priority Boarding and settle into your seat sooner.
  • Fee Credit for Global Entry or TSA PreCheck®:
    • Receive $100 back for Global Entry or $85 back for TSA PreCheck® after you apply through any Official Enrollment Provider. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
  • New! Not a Medallion Member?
    • Delta SkyMiles® Platinum American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members. Ticket must be purchased on or after February 1, 2024 to be eligible to receive a complimentary upgrade.
  • New! $150 Delta Stays Credit:
    • Delta SkyMiles® Platinum American Express Card Members can earn up to $150 back annually on eligible prepaid Delta Stays bookings on delta.com.
  • New! Transform your car rental experience with Hertz Five Star® Status,
    • compliments of your Delta SkyMiles® Platinum American Express Card. Enrollment in the Hertz Gold Plus Rewards program is required. To receive the benefit, you must add your Hertz Gold Plus Rewards Account number to your SkyMiles Account associated with your Eligible Card, register at delta.com/mypromos/eligible, and “Enroll in Promotion” at delta.com/hertz.
  • No Foreign Transaction Fees.
  • Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
  • $350 Annual Fee.
  • Terms Apply.
  • See Rates & Fees

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

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Non-Affiliate

Information about this card has been collected independently by Monkey Miles. Card issuer is not responsible for the information or accuracy.

Delta SkyMiles® Reserve American Express Card

3.7
3.7/5

The biggest reason to get this, aside from SkyClub access which you can get from the Amex Platinum, is the potential MQM boost via spend + the domestic companion certificate that includes domestic 1st class. 

Welcome Offer

100k Delta SkyMiles after $5k spend in 6 months

Points Earned

Delta SkyMiles

I think most people are attracted to this card because of the SkyClub access when traveling on Delta and access will change come 2/1/25. Make sure you look at the Amex Application Rules here 

However, you can get that via the Amex Platinum card which I’d argue is a much better card dollar for dollar.

The biggest reason I’d take a closer look at this card is 

You purchase at least 2 first class tickets every year for more than $650 a piece. This card comes with a domestic companion certificate that you can use on first class. You’d still need to pay taxes on that extra ticket, but that could pretty easily recoup the annual fee right there.

  • Earn 100,000 Bonus Miles after you spend $6,000 in purchases on your new Card in your first 6 months.
  • Enjoy complimentary access to the Delta Sky Club® when traveling on a same-day Delta-marketed or Delta-operated flight.
    • You will receive four Delta Sky Club One-Time Guest Passes each year. After that, you may bring up to two guests at a per-visit rate of $50 per person, per location. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
  • Enjoy complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card.
  • New! Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year
  • New! Earn $1 Medallion® Qualification Dollar for each $10 of purchases made on your Delta SkyMiles® Reserve American Express Card in a calendar year 
  • Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights to select destinations each year after renewal of your Card.
    • The Companion Ticket requires payment of the government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
  • New! $240 Resy Credit: With the Delta SkyMiles® Reserve American Express Card
    • Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
  • New! $120 Rideshare Credit:
    • You can earn up to $10 back in statement credits each month on U.S. rideshare purchases with select providers after you pay with your Delta SkyMiles® Reserve American Express Card. Enrollment Required.
  • Eligible Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app.
    • Discount not applicable to partner-operated flights or to taxes and fees.
  • With your Card receive upgrade priority over other Medallion Members within the same Medallion level and fare class.
  • New! Not a Medallion Member? Delta SkyMiles® Reserve American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list,
    • Delta SkyMiles Medallion Members and Reserve Card Members.
    • Ticket must be purchased on or after February 1, 2024 to be eligible to receive a complimentary upgrade.
  • Fee Credit for Global Entry or TSA PreCheck®:
    • Receive $100 back for Global Entry or $85 back for TSA PreCheck® after you apply through any Official Enrollment Provider. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
  • Earn 3X Miles on Delta purchases.
  • Earn 1X Miles on all other eligible purchases.
  • New! $200 Delta Stays Statement Credit:
    • Delta SkyMiles® Reserve American Express Card Members can earn up to $200 back in the form of a statement credit annually on eligible prepaid Delta Stays bookings on delta.com.
  • New! Transform your car rental experience with Hertz President’s Circle Status,
    • compliments of your Delta SkyMiles® Reserve American Express Card. Enrollment in the Hertz Gold Plus Rewards program is required. To receive the benefit, you must add your Hertz Gold Plus Rewards Account number to your SkyMiles Account associated with your Eligible Card, register at delta.com/mypromos/eligible, and “Enroll in Promotion” at delta.com/hertz.
  • No Foreign Transaction Fees.
  •  Up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
  • Enjoy your first checked bag free on Delta flights.
  • $650 Annual Fee.
  • Terms Apply.
  • See Rates & Fees
  • *Rates and Fees; terms apply

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

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Marriott Bonvoy Business® American Express® Card

3.7
3.7/5

Get 15 elite nights every year + Anniversary Night up to 35k, and Marriott Gold Status

Welcome Offer

5 Free Night Awards after $8,000 in 6 months – up to 50k per night – see

“Card Benefits below” for details

Points Earned

Marriott Bonvoy

Life with Marriott Bonvoy really starts at Platinum status where you get breakfast and club access. That requires 50 elite nights, so having a Marriott credit card can help by starting the year off with extra elite nights.

This is an easy way to pick up 15 Marriott Elite nights, Gold status, and the annual night can help offset the $125 annual fee. Don’t forget that you can also add up to 15k Marriott Bonvoy points to the anniversary night certs now.

  • Earn 5 Free Night Awards after you use your new Card to make $8,000 in eligible purchases within the first 6 months of Card Membership.
    • Redemption level up to 50,000 Marriott Bonvoy(R) points for each bonus Free Night Award, at hotels participating in Marriott Bonvoy(R). Certain hotels have resort fees
    • Certain hotels have resort fees.
    • Offer Ends 3/20/24
  • 4x at
    • restaurants worldwide,
    • U.S. gas station,
    • and wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping
  • 2x everywhere else
  • 1 Free night every year after you account anniversary ( up to 35k a night )
  • A 7% Marriott Bonvoy Room Rate Discount off standard rates for reservations of standard guest rooms at hotels participating in Marriott Bonvoy when booked directly
  • If you spend more than $60k in a year, you’ll get another free night ( up to 35k a night )
  • 15 Marriott Bonvoy Elite nights per year
  • Now comes with Gold status ( that used to required $35k spend )
  • $125 annual fee
  • *Rates and Fees; terms apply 

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

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Chase United(SM) Business Card

4.0
4/5

Chase United(SM) Business Card comes with United perks including first free checked bag for you and a companion, 2 United Club passes per year, and a $100 United credit if you fly United more than 7x in a year

Welcome Offer

Earn 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open

Annual Fee

$99

Points Earned

United Miles

 
  • Annual Fee $99.
  • 2x United Miles on:
    • Gas
    • Office Supplies
    • Restaurants
    • And Local Transit ( to include taxis, mass transit, tolls, and ridesare)
  •  5,000 United miles on your Cardmember anniversary when you hold both the United Business Card and any personal Chase United Card
  •  $100 annual United(R) travel credit after seven United flight purchases of $100 or more each anniversary year
  • 25% back on United inflight purchases (includes Wi-Fi, food and beverages)
  • No blackout dates
  • 1st checked bag is free
  • Priority boarding as a cardholder
  • 2 United ClubSM one-time passes
    • This is on account opening
    • Every year on your account anniversary
  • No foreign transaction fees
  • Add employee cards fee-free
  • Member FDIC

We’ve seen 150k after $20k spend in 6 months

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

This card is kind of the business version of the United Explorer card.

It comes with a $100 United travel credit if you buy more than 7 flights in a year.

It also comes with 2 United Club passes, first checked bag for you and a companion, and if you carry it alongside a United personal card, you’ll get 5000 bonus miles.

For $99 a year, I’d say this is a better card than the Explorer and doesn’t count against your Chase 5/24 number.

Learn More

Non-affiliate

Information about this card has been collected independently by Monkey Miles. Card issuer is not responsible for the information or accuracy.

United Club(SM) Business Card

4.6
4.6/5

The United ClubSM Business Card comes with United Club access, Avis President’s Club, Premier access and primary rental car coverage. 

Welcome Offer

50k United Miles after $5k spend in 3 months

Annual Fee

$450

Points Earned

United Miles

  • United Club membership ( $650 value )
  • $450 annual fee
  • 2x on United purchases
  • 1.5x everywhere else
  • 2 free checked bags
  • Premier Access
    • Priority boarding
    • Expanded award availability
    • Premier upgrades on award tickets
  • 500 PQP after every $12k you spend
    • up to 1000 PQP per year
  • Avis President’s Club status
  • DoorDash Dash Pass
    • Get one-year complimentary DashPass, a membership for both Doordash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.*
  • Primary rental car insurance
  • Trip delay, cancellation
  • Baggage delay, loss
  • Purchase protection
  • No foreign transaction fees

We have seen 100k after $10k in 3 months

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

This is the business version of the Club Infinite card that comes with complimentary United Club access for just $450 a year vs $650 if you bought United Club access without the card. It also comes with Avis President’s Club status ( top tier ), Premier Access on United which includes expedited check-in, early boarding, more award space, and you even get primary rental car coverage.

This is hands down the best United card when it comes to perks.

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World of Hyatt Business Credit Card

4
4/5

Earn 4x at Hyatt hotels and 5 elite nights every $10k in spend.

Welcome Offer

60k World of Hyatt points after $5k spend in 3 months + 15k after $12k in total in 6 mos

Annual Fee

$199

Points Earned

World of Hyatt points

 

  • Earn  60k World of Hyatt points after spending $5000 in 3 months
    • Earn another 15k bonus points after you spend a total of $12k in 6 months
  • 4x at Hyatt hotels
    • 4x on the credit card spend on qualified Hyatt spend
    • 5x as a base member of Hyatt on qualified spend
    • 9x total when combining the two on qualified spend
  • 2x at fitness clubs and gym memberships
  • New Adaptive Accelator – Earn 2x on the categories you spend most each quarter
    • Until 12/31/24 you’ll 2x at the top 3 categories
      • dining;
      • airline tickets purchased directly with the airline;
      • car rental agencies;
      • local transit and commuting;
      • gas stations;
      • internet, cable and phone services;
      • social media
      • search engine advertising;
      • shipping
    • Starting in 2023 you’ll get 2 bonus points at the top 2 categories
  • Earning Elite Nights via spend
    • Earn 5 Elite nights with every $10k in spend
  • Discoverist Status while you hold the card
      • World of Hyatt Business Credit cardmembers can gift up to 5 Discoverist statuses to their company employees
        • They don’t need to be Authorize Users
  • Spend $50k in a year and get 10% back on all point stays after hitting that spend threshold
  • Get $100 statement credit each year at Hyatt hotels
    • This is divided into two $50 credits
    • No stay requirement needed
    • Valid Interanationally
  • No fee for employee business cards
  • No foreign transaction fees
  • Complimentary roadside dispatch
  • Primary rental car collision damage waiver
  • Extended warranty protection
  • Purchase protection
  • Trip cancellation/travel interruption insurance
  • Travel and emergency assistance services
  • Access to Hyatt Leverage, Hyatt’s global business travel program that offers special rates to qualifying small and mid-sized enterprises at participating Hyatt hotels worldwide
  • $199 annual fee
  • Member FDIC

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

 If you’re going to have just one World of Hyatt credit card, my choice would be the personal version.

It comes with a more streamlined set of benefits and ability to offset the annual fee. 

The big miss on this card to me is the lack of baked in elite nights ( you need to spend $10k to earn 5, but can do so over and over again ), and it doesn’t come with an annual free night award.

Where this card could come in handy is if your business spends a ton of money. You need 60 elite nights to hit Globalist status and you could hit that purely by spending $120k a year on this card. 

You’d also get 10% back on all your award redemptions after spending $50k…but honestly, I think there are much better places to throw your spend.

Learn More

Affiliate via CreditCards.com

Capital One Spark Miles for Business

4.6
4.6/5

Unlimited 2x Capital One Miles without a cap. 

Welcome Offer

50k Miles after spending $4500 in 3 months

Annual Fee

$95, waived the first year

Points Earned

Capital One Miles

Capital One changed their entire strategy at the end of 2018 when they introduced transfer partners.

In fact, up until that point, I hadn’t really seriously considered picking up a Cap1 card because I extract the most value from by transferring into partners.

Cap1 has a developed a very solid group of partners which have been steadily improved over time.

There are now 19 transfer partners and nearly all of them transfer 1:1.

This means, you’re earning a worry free, without limit, 2x miles on every single dollar your business spends. That’s amazing.

You’ll also get up to a $100 Global Entry/TSA Pre credit every 4 years and no foreign transaction fees

  • 50k Miles after spending $4500 in 3 months plus earn 2x miles on every dollar purchase. $95 annual fee, waived first year.
  • 2x miles on every dollar your business spends, without limit
  • Low annual fee
  • Access partners like EVA, Aeroplan, and Singapore Airlines
  • $100 Global Entry/TSA Pre credit

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

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Affiliate link

Capital One Spark Cash Plus

4.8
4.8/5

Unlimited 2% cashback – high bonus, but requires a lot of spend quickly.

Welcome Offer

For a limited time, earn up to a $3,000 cash bonus:

  • $1,500 once you spend $20,000 in the first 3 months,
  • Additional $1,500 once you spend $100,000 in the first 6 months

Annual Fee

$150

Points Earned

Cash Back, but may be possible to combine with Capital One Miles

 

The Capital One Spark Cash Plus earns unlimited 2% cashback and is technically considered a “cashback card” 

However

Anedotally, and this is an unpublished data point, if you carry a card that earns Capital One Miles like the Capital One Venture X or Capital One Venture Rewards you can combine the cashback into Miles and transfer them into partners. 

Either which way, you’d put this card to use on purchases that have no other category bonus so you’re guaranteed a 2x on every purchase

  • Earn unlimited 2% cash back
    • Everywhere, without limit
  • No preset spending limit
  • Get your $150 annual fee refunded every year you spend at least $150,000
  • Rewards don’t expire as long as you have the card
  • Add employee cards without fee
  • No foreign transaction fees
  • $150 annual fee

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

Miles' Top Credit Cards

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