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 bonus 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 


Note….you may be able to get a 120k offer in branch with a Chase Business Manger…YMMV

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
a silver credit card with white text

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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

Up to $750 or 75k Ultimate Rewards

  • Earn $350 when you spend $3,000 on purchases in the first three months
  • $400 when you spend $6,000 on purchases in the first six months after account opening

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
  • 10% Business Relationship Bonus
    • If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
  • .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 after $8k in 3 months

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 6 months
  •  2% cashback on all purchases up to $50k throughout the year.
  • 2% cashback on all purchases up to $50k a year, then 1%
  • $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
  • No Annual Fee. *Rates and Fees; terms appl

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 Refer-a-friend

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

2x on every single purchase up to $50k a year, then 1x on additional purchases after that threshold is met

Welcome Offer

30k Membership Rewards after $6k spend in 3 months

(check to see if referrals are offering higher YMMV)

Points Earned

Transferrable American Express Membership Rewards

Super straight forward business card. 

2x on every single purchase up to $50k a year, then 1x on additional purchases after that threshold is met

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. 

a credit card with a credit card and a credit card

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

75k AA miles after $5k 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

  • 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. 

a close up of a credit card

Learn More

Affiliate Link

Chase Ink Business Premier® 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® Credit Cardd

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 Travel℠
  • 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.

a silver credit card with a picture of a man in a helmet

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200k Refer a Friend link

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

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Up to 300k Targeted 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  

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.

Refer a Friend Offer – Up to 200k Membership Rewards®

200k Referral offer – see referral page here

  • 200k points after $20k 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.

Some people have had success getting up to a 300k offer by clicking the sponsored link on Google ( this is very hit or miss ) – read about that here

  • 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 close-up of a credit card

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.

Learn More

Targeted 150k link after $10k in 3 months – this may or may not work for you

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 and some targeted 150k

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 up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card.
    • **Up to $12.95 plus applicable taxes on one membership fee
  • $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. 

a close up of a credit card

Learn More

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. 

Limited Time offer!

Earn 140k Bonus Points after $4k in 3 months

Annual Fee

$99

Points Earned

IHG One Rewards

 

  • Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from 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, TSA PreCheck® Fee or NEXUS Statement Credit –
    • The primary cardholder receives a Global Entry, TSA PreCheck® or NEXUS 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

Limited Time Offer: Earn 75,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 7/17.

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 75,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 7/17.
  • $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.
  • Additionally, you can receive a $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 eligible 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.
  • Check and stow your bag with ease: First Checked Bag Free on Delta Flights + Zone 5 Priority Boarding.
  • Elevate your travel experience with an annual statement credit of up to $150 after using your Delta Gold Business 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.
  • 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. 

a credit card with a chip

Learn More

Affiliate Link

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

85k 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 85,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months of Card Membership.
  • Receive a Companion Certificate on Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of 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.
  • Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
  • Delta SkyMiles® Platinum American Express 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.
  • Earn $1 Medallion® Qualification Dollar for each $20 of purchases made on your Delta SkyMiles® Platinum American Express Card in a calendar year and get a boost toward achieving Medallion Status for next Medallion 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 and earn 1X Miles on all other eligible purchases.
  • Enjoy your first checked bag free on Delta flights.
  • Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
  • Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Delta SkyMiles® Platinum American Express Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
  • 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.
  • No Foreign Transaction Fees.
  • $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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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

95k Delta SkyMiles after $6k 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 95,000 Bonus Miles after you spend $6,000 in purchases on your new Card in your first 6 months of Card Membership.
  • Enjoy complimentary access to the Delta Sky Club® and bring up to two guests or immediate family members at a rate of $50 per person per visit when flying Delta. 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.
  • Receive four Delta Sky Club® One-Time Guest Passes each year when you fly together on Delta. After that, you may bring up to two guests at a per-visit rate of $50 per person, per location.
  • Enjoy complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card.
  • Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
  • Earn $1 Medallion® Qualification Dollar for each $10 of purchases made on your Delta SkyMiles® Reserve American Express Card in a calendar year and get a boost toward achieving elevated Medallion Status for next Medallion Year.
  • Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of 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.
  • $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.
  • $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.
  • Delta SkyMiles® Reserve American Express 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.
  • Delta SkyMiles® Reserve American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
  • Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
  • No Foreign Transaction Fees.
  • $650 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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Information about this card has been collected independently by Monkey Miles. Card issuer is not responsible for the information or accuracy.

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

Limited Time Offer:

Earn 5 Free Night Awards, valued at up to 50K points each for eligible stays after $8k in 6 months

Offer ends 7/10. Resort fees & terms apply

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.
  • 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 on all other eligible purchases
  • 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 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open

Annual Fee

$0 introductory annual fee for the first year, then $99.

Points Earned

United Miles

 
  • 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.
  • Receive a 5,000-mile “better together” bonus each anniversary when you have both the UnitedSM Business Card and a personal Chase United® credit card.
  • Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
  • Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost – miles earned from their purchases accrue in your account so you can earn rewards faster.
  • Enjoy a free first checked bag – a savings of up to $160 per roundtrip (terms apply), 2 United ClubSM one-time passes per year, and priority boarding privileges.
  • $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
  • 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.

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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

If you spend big, you’ll get 5 elite nights every $10k in spend + earn 4 bonus points per $1 on qualified purchases at Hyatt hotels. 

Welcome Offer

60k World of Hyatt points after $5k spend in 3 months

Annual Fee

$199

Points Earned

World of Hyatt points

 

  • Earn  60k World of Hyatt points after spending $5000 in 3 months
  • Up to 9 points total per $1 spent at Hyatt – 4 Bonus Points per $1 on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
  • 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.

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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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Capital One Spark Cash Plus

4.8
4.8/5

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

Welcome Offer

  • Earn a one-time cash bonus of $1,200 once you spend $30,000 in the first 3 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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