Business
Monkey Miles Business Credit Cards
Miles
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Chase Ink Business Preferred® Credit Card
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.
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 $15k spend in 3 months
Annual Fee
$95
Points Earned
Transferrable Ultimate Rewards
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.
1) 100k point welcome bonus after $15k spend in 3 months
2) 3x on first $150k spent on
Travel
Phone, Cable, Internet
Social Media/Search advertising
Shipping
3) 1x on all other purchases
4) Cell Phone Insurance
5) No Foreign Transaction fees
6) Add additional employee cards
7) Redeem at 1.25c for travel with Chase Travel
8) $95 annual fee
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.
Chase Ink Business Unlimited® Credit Card
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 motnhs
Annual Fee
$0
Points Earned
Cashback in the form of Ultimate Rewards
An incredible welcome offer of 90k Ultimate Rewards after $6k spend in 3 months makes this a VERY attractive time to add this card to your wallet.
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
- 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.
Chase Ink Business Cash® Credit Card
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.
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
- 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.
Chase Ink Business Premier(SM) Credit Card
If cashback is your cup of tea, you’ll earn unlimited 2% cashback and 2.5% cashback on purchases of $5k or more.
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
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.
- Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
- 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.
Southwest® Rapid Rewards® Performance Business Credit Card
If you have a small business and want to earn points that help you get a Southwest Companion Pass faster – This could be a good card to check out.
Welcome Offer
80k points after $5k in 3 months.
Annual Fee
$199
Points Earned
Southwest Rapid Rewards
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.
- 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.
- Global Entry or TSA Pre✔® Fee Credit
- Annual Fee $199
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 Business Platinum Card® from American Express
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
120k to 150k via refer-a-friend after $15k spend in 3 months
Annual Fee
$695 Rates and fees
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.
- 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
- $189 Clear credit (enrollment required )
- $200 annual airline incidental fee reimbursement (enrollment required )
- $120 Wireless Credit ( enrollment required )
- $10 per month wireless credit,
- Must make payments directly to any US Wireless provider
- Global Entry fee reimbursement – worth $100 (enrollment required )
- Priority Pass Select membership – worth ~ $400 (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
- Access to Fine Hotels and Resorts
- 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.
- Amazing benefits such as free breakfast, resort credits, room upgrades, early check in, late check out, etc
- 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
- 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
- $400 Annual Dell credit ( enrollment required )
- This is split into 2, $200 credits, applied every 6 months: Jan to June and July to Dec
- $360 Indeed credit ( enrollment required )
- get $90 per quarter, Up to $360 annual statement credit
- on all Indeed hiring and recruiting products and services
- $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.
Chase IHG® Rewards Premier Credit Card
For the $99 annual fee you’ll get IHG One Rewards Platinum Status, a 4th night free when booking with points, an annual anniversary 40k night, and a $50 United Travel bank credit. Been in my wallet since it was released.
*Note if you have a Chase IHG® Rewards personal card or you’ve received a welcome bonus in the past 24 months you’re ineligible to add this to your wallet
Welcome Offer
175,000 IHG One Rewards after $3k in 3 months
Annual Fee
$99
Points Earned
IHG One Rewards
4 reasons I keep this card in my wallet
- 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
- 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
- A free night after each account anniversary year
- 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
- 4th night free when redeeming points for a 4 consecutive night stay
- 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
- 5x
- 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
- Earn up to 26x points at IHG hotels
- 20% off purchased points
- Can’t be stacked with points sales tho
- Platinum status at IHG while holding the card
- No Foreign Transaction
- $99 annual fee
175k 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.
Gold Delta SkyMiles(R) Business Credit Card from American Express
Enjoy a free first check bag + 15% off award flights operated by Delta.
Welcome Offer
75k Delta SkyMiles after $3k spend in 3 months
Annual Fee
$0 first year; $99 after that Rates and Fees
Points Earned
Delta SkyMiles
If you utilize the free first checked bag + 15% off award flights enough you could offset the ongoing annual fee.
- Earn 75,000 Bonus Miles after spending $3,000 in purchases on your new Card in your first 3 months of Card Membership.
- Offer ends 3/29/23
- $0 first year
- Annual fee of $99 thereafter
- Save 15% on Award Travel with TakeOff15
- Not applicable to partner flights or to taxes and fess
- $100 off a Delta Flight after spending $10k in a calendar year
- 2x on Delta and 1x everywhere else
- Free first checked bag perks on Delta Flights
- No fx 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.
Platinum Delta SkyMiles® Credit Card from American Express
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
90,000 SkyMiles after $4k spend in 6 months
Annual Fee
$250 Rates and Fees
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 $250 annual fee.
- You take advantage of the domestic main cabin companion certificate for flights that price over $250
- You need the MQM boost for status
- 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.
- $250 Annual Fee
- annual fee is not waived the first year
- Save 15% on Award Travel
- Not applicable to partner flights or to taxes and fess
- Must book through the Delta app or Delta.com
- 10k MQM after hitting $25k in a calendar year
- up to 2x
- 3x on Delta purchases and direct with hotels
- 2x on restaurants worldwide, including takeout and delivery in the U.S. and at U.S. supermarkets.
- Priority Boarding
- Free bag on Delta perk
- Use SkyClub for $50 per person per visit ( up to 2 guests )
- TSA pre/Global Entry fee credit
- Receive a domestic main cabin roundtrip companion certificate every year upon renewal.
- You’ll still owe the government fees and taxes of no more than $75 roundtrip.
- *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.
Delta SkyMiles® Reserve American Express Credit Card
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
90,000 Delta SkyMiles after $6k spend in 6 months
Annual Fee
$550 Rates and Fees
Points Earned
Delta SkyMiles
I think most people are attracted to this card because of the SkyClub access when traveling on Delta.
However, you can get that via the Amex Platinum card which I’d argue is a much better card dollar for dollar.
The two reasons I’d take a closer look at this card is
1) you fly Delta quite a bit and would like to use the MQM boost through spend to hit status.
2) you purchase at least 2 first class tickets every year for more than $550 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 90,000 bonus miles after you spend $6,000 in purchases on your new Card in your first 6 months.
- $550 Annual Fee
- Save 15% on Award Travel
- Not applicable to partner flights or to taxes and fess
- Must book through the Delta app or Delta.com
- 15k MQM after spending $30k in a calendar year
- can repeat this 4x to earn 60k MQM total
- Free access to the Delta Sky Club + Centurion lounges when booked on Delta
- Priority Boarding
- Free First Checked Bag perk on Delta flights
- Receive a complimentary roundtrip upon renewal
- Domestic 1st Class, Comfort+, or Main Cabin
- Still responsible for taxes and fees of no more than $75
- Enjoy complimentary access to The Centurion(R) Lounge when you book a Delta flight with your Reserve Card.
- Complimentary access into the Delta Sky Club(R) for you when booked on a Delta flight.
- 3x on Delta purchases
- 1x everywhere else
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.
Marriott Bonvoy(TM) Business American Express(R) Card
Get 15 elite nights every year + Anniversary Night up to 35k, and Marriott Gold Status
Welcome Offer
125k Marriott Bonvoy Points after $5k in 3 months
Offer ends 5/3/23.
Annual Fee
$125 Rates and fees
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 75,000 Bonus Marriott Bonvoy Points after you use your new Card to make $3,000 in purchases within the first 3 months of Card Membership.
- 4x at
- restaurants worldwide,
- us 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.
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.
Chase United(SM) Business Card
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
75K after $5k spend in 3 motnhs
Annual Fee
$0 first year; then $99
Points Earned
United Miles
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.
- Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
- $0 introductory annual fee for the first year, then $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)
- 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.
- 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
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.
Chase United Club Business Card
United Club access, Avis President’s Club, Premier access and primary rental car coverage.
Welcome Offer
75k United Miles after $5k spend in 3 months
Annual Fee
$450
Points Earned
United Miles
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.
- 75k after $5k spend in 3 months
- 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.
World of Hyatt Business Credit Card
Earn 4x at Hyatt hotels and 5 elite nights every $10k in spend.
Welcome Offer
60k World of Hyatt points after $4k spend in 3 months
Annual Fee
$195
Points Earned
World of Hyatt points
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.
- Earn 60k World of Hyatt points after spending $5000 in 3 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 12/31/23 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
- Until 12/31/23 you’ll 2x at the top 3 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
- World of Hyatt Business Credit cardmembers can gift up to 5 Discoverist statuses to their company employees
- 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
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 Blue Business Plus® Credit Card from American Express
Earn 2x on purchases up to $50k a year
Welcome Offer
Up to 50k…check referrals
Annual Fee
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
- No Annual Fee. (Rates and Fees)
- Earn 2x, on up to $50k a year
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.
American Express Blue Business Cash(TM) Card
Earn 2% cashback on purchases up to $50k a yaer
Welcome Offer
$250 cashback after $3k in 3 months
Annual Fee
None (Rates and Fees)
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.
- $250 cashback after $3000 spend in 3 motnhs
- 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)
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.
Capital One® Spark® Miles for Business
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 on every single dollar your business spends. That’s amazing.
You’ll also get a $100 Global Entry/TSA Pre credit 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.
Capital One Spark Cash Plus
Unlimited 2% cashback
Welcome Offer
Up to $1k cash, see card benefits
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 up to a $1,000 cash bonus
- $500 after you spend $5k in the first 3 months
- $500 after you spend $50k in the first 6 months of account opening
- Earn unlimited 2% cash back
- Everywhere, without limit
- No preset spending limit
- Annual $200 bonus every year you spend $200k
- 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.
CitiBusiness® AAdvantage® Platinum Select® World Mastercard®
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
- Citi Application Rules
- make sure you look at AA family rules
- AA 787-9 Business Class Review
- AA 787-8 Business Class Review
- AA A321T business class
- AA 5 star service
- AA and Hyatt partnership
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.
