Business
Monkey Miles Business Credit Cards
Miles
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.
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, 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
90k bonus points after $8k spend in 3 months
Annual Fee
$95
Points Earned
Transferrable Ultimate Rewards
- 90k 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
- No Foreign Transaction fees
- Add additional employee cards
- Redeem at 1.25c for travel with Chase Travel℠
- $95 annual fee
- Member FDIC
120k after $8k 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.
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 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
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
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
- .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
- Best of 2023
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
Earn 2% cashback on purchases up to $50k a year, then 1x
Welcome Offer
Earn up to $500 after $8k in 3 months
Annual Fee
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.
- Best Biz Cards
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
2x on every single purchase up to $50k a year, then 1x on additional purchases after that threshold is met
Welcome Offer
75k Membership Rewards after $6k spend in 4 months
(check to see if referrals are offering higher YMMV)
Annual Fee
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
- No Annual Fee. (Rates and Fees)
- Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
- You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No 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.
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 – The Southwest® Rapid Rewards® Performance Business Credit Card could be a good card to check out.
Welcome Offer
Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening
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.
- Earn AA miles
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®
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
- 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.
- EARN AA Perks
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
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.
Chase Ink Business Premier® 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 with the Chase Ink Business Premier® 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 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.
- Best of Business
250k 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.
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
See Breakdown
Information about this card has been collected independently by Monkey Miles. Card issuer is not responsible for the information or accuracy.
Annual Fee
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 (that’s an extra half point per dollar)
- on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers,
- As well as on purchases of $5,000 or more
- Up to $2 million per Card Account per calendar year.
- Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
- Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
- Up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (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
- 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.
- Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
- Up to $120 Global Entry/TSA Precheck fee reimbursement
- Every 4 years
- Up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (enrollment required )
- Over 20 transfer partners: like Singapore Air, Air Canada, Air France, British Airways
- Marriott Gold status (enrollment required )
- Hilton Honors Gold status (enrollment required )
- 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
- Access to The Hotel Collection
- slightly different than Fine Hotels and Resorts, but provides great benefits, credits, and upgrades
- 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
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases..
- 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.
- Best of 2025
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
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 200k Membership Rewards after $15k in 3 months
Annual Fee
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.
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. 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.*
- The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
- *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.
IHG One Rewards Premier Business Credit Card
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
Earn up to 200,000 Bonus Points.
Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening.
Plus, earn 60,000 Bonus Points after spending a total of $9,000 in the first 6 months from account opening
Annual Fee
$99
Points Earned
IHG One Rewards
- 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
- 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
- 20% off purchased points
- Can’t be stacked with points sales tho
- Global Entry, TSA PreCheck(R) or NEXUS Statement Credit of up to $120 every 4 years as reimbursement for the application fee charged to your 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
- Earn Delta Perks
Refer a Friend
Information about this card has been collected independently by Monkey Miles. Card issuer is not responsible for the information or accuracy
Delta SkyMiles® Gold Business American Express Card
Enjoy a free first check bag + 15% off award flights operated by Delta.
Welcome Offer
Up to 90k Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership
Expires 4/2/25
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.
- $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.comand 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 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 SkyMiles® 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.
- Delta Perks
Reader Referral Link
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
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
Earn 90,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Annual Fee
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
- Receive a Companion Certificate on a Main Cabin round-trip flight to select destinations each year after renewal of your Card. The Companion Certificate requires payment of the government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply.
- Receive $2,500 Medallion® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $20 in purchases on your Delta SkyMiles® Platinum American Express Card with MQD Boost to get closer to Status next Medallion Year.
- Delta SkyMiles® Platinum American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.comand the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- 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 Miles on all other eligible purchases.
- $120 Resy Credit: Get up to $10 in statement credits each month after you pay with your enrolled Delta SkyMiles® Platinum American Express Card to dine at U.S. Resy restaurants or make other eligible Resy purchases.
- $120 Rideshare Credit: earn up to $10 in statement credits each month after using your Delta SkyMiles® Platinum American Express Card on U.S. rideshare purchases with select providers. Enrollment required.
- You can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
- Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
- Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Delta SkyMiles® Platinum American Express Card. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
- 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.
- Apply with confidence. Know if you’re approved for a Card with no impact to your credit score. If you’re approved and you choose to accept this Card, your credit score may be impacted.
- 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.
- Delta Club Access
Reader Referral Link
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
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
Earn 100,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Annual Fee
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.
- Enjoy complimentary access to the Delta Sky Club® when you fly 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. Once all 15 Visits have been used, Eligible Card Members may purchase additional Delta Sky Club Visits at a per-Visit rate of $50 per person using the Card.
- Receive four Delta Sky Club® One-Time Guest Passes each year when you fly Delta so you can share the experience with family and friends.
- 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 a Main Cabin round-trip flight within the U.S. and to Mexico, the Caribbean, or Central America 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 round-trip domestic flights and no more than $250 for round-trip 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: When you use your Delta SkyMiles® Reserve American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $20 each month in statement credits. Enrollment required.
- $120 Rideshare Credit: Earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card to pay for U.S. rideshare purchases with select providers. 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.
- Apply with confidence. Know if you’re approved for a Card with no impact to your credit score. If you’re approved and you choose to accept this Card, your credit score may be impacted.
- 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.
- Earn Marriott Perks
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.
Marriott Bonvoy Business® American Express® Card
Get 15 elite nights every year + Anniversary Night up to 35k, and Marriott Gold Status
WELCOME OFFER: Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership.
Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®.
Certain hotels have resort fees. Terms apply.
Annual Fee
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.
- Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
- 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
- 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
- 2x points on all other eligible purchases.
- Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Award can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Marriott Bonvoy Business® American Express® Card.
- 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.
The New United℠ Business Card
The New United℠ Business Card comes with several United perks including first free checked bag for you and a companion, 2 United Club passes per year, 2 continental U.S. Economy Plus® upgrades a year, and a ton of credits
Welcome Offer
Limited Time: Earn 125,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open
Annual Fee
$150
Points Earned
United Miles
- $150 Annual Fee.
- 2x miles on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
- 1x mile 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.
- 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.
- 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.
- Receive a $125 United travel credit after making 5 United® flight purchases of $100 or more each calendar year with your UnitedSM Business Card.
- Earn 2 continental U.S. Economy Plus® seat upgrades each year
- Up to $25 in credits on United FareLock purchases annually
- 5x total miles on hotel stays purchased through United® Hotels: 2 miles per $1 spent as a MileagePlus® member, 2 miles per $1 spent with your card, plus an additional 1 mile per $1 spent from United when you prepay through United Hotels
- Up to $100 in credits on United® Hotels purchases annually
- Up to $100 in credits on rideshare purchases annually
- Up to $50 in United travel credits on Avis or Budget purchases annually
- Up to $100 in credits on JSX purchases annually
- Earn up to 4,000 Premier® qualifying points (PQP) per year
- 3-Month Complimentary Instacart+ Membership. Terms apply.
- Up to $120 in Instacart credits annually. Terms apply.
- 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 The New United Explorer card.
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.
- United Club Access
Non-affiliate
Information about this card has been collected independently by Monkey Miles. Card issuer is not responsible for the information or accuracy.
The United Club℠ Business Card
The United Club℠ Business Card comes with United Club access, Avis President’s Club, Premier access and primary rental car coverage.
Welcome Offer
Earn 125,000 United MileagePlus Miles, after spending $5,000 on qualifying purchases in the first three months of opening an account
Annual Fee
$695
Points Earned
United Miles
- Club Business Cardmembers earn up to Premier 1K® status (28,000 PQP) at a rate of 1 PQP for every $15 spent. Previously they earned up to 15,000 PQP.
- The United Club℠ Business Card provides United Club℠ membership – at least a $750 value per year – plus one adult guest and kids under 18, as well as: Earn Premium United Club membership after spending $50,000 in a calendar year or with Gold Status. Premium United Club members receive access for two adult guests (instead of one), four United Club one-time passes annually when you have an authorized user on your account and Star Alliance Lounge access.
- 5x miles on stays purchased through Renowned Hotels and Resorts for United® Cardmembers
- United Club℠ membership included- At least a $750 value per year.
- Unlock United ClubSM All Access Membership as a cardmember after reaching Premier Gold status or by spending $50,000 each calendar year with your United ClubSM Business Card.
- Starting with your first anniversary and every anniversary thereafter, earn 4 United Club℠ one-time passes when you have United Club All Access Membership and an employee card.
- Earn 2 global Economy Plus® seat upgrades each year
- Up to $50 in credits on United FareLock purchases annually
- Up to $200 in credits on Renowned Hotels and Resorts for United® Cardmembers annually
- Up to $150 in credits on rideshare purchases annually
- Up to $100 in United travel credits on Avis or Budget purchases annually
- Up to $200 in credits on JSX purchases annually
- Earn up to 28,000 Premier® qualifying points (PQP) per year
- Complimentary Instacart+ Membership. Terms apply.
- Up to $240 in Instacart credits annually. Terms apply.
- Member FDIC
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.
World of Hyatt Business Credit Card
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
60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.
Annual Fee
$199
Points Earned
World of Hyatt points
- Up to 9 points total per $1 spent at Hyatt –
- 4 Bonus Points per $1 on qualifying purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
- 2 Bonus Points per $1 spent in your top three spend categories each quarter.
- 2 Bonus Points per $1 spent on fitness club and gym memberships
- 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
- 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.
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 miles on every single dollar your business spends. That’s amazing.
You’ll also get up to a $120 Global Entry/TSA Pre credit every 4 years and no foreign transaction fees
- Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account
- Unlimited 5X miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
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 – high bonus, but requires a lot of spend quickly.
Welcome Offer
- Earn a one-time cash bonus of $2,000 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 a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
- Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
- Earn unlimited 2% cash back on every purchase, everywhere-with no limits or category restrictions
- No preset spending limit,
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One’s travel booking site
- $150 annual fee – Spend $150,000 annually and Capital One will refund this fee every year
- Spark Cash Plus has no APR because your balance is due in full every month
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.
