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Our Favorite Cards

Chase Sapphire Preferred® Card
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4.9

Bankrate score

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on Chase's secure site

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Intro offer

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75,000 bonus points

Recommended credit score

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670 - 850

Regular APR

19.24% - 27.49% Variable

Annual fee

$95

Rewards rate

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1x - 5x

Rachel’s take:

The #1 card for all points travel - if I could only have one card, this would be it! 

Chase Sapphire Reserve®
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4.8

Bankrate score

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on Chase's secure site

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Intro offer

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125,000 bonus points

Recommended credit score

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740 - 850

Regular APR

19.49% - 27.99% Variable

Annual fee

$795

Rewards rate

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1x - 8x

Rachel’s take:

The higher fee version of the #1 card. For when you don't mind paying a high annual fee in exchange for premium perks.

Chase Freedom Unlimited®
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5.0

Bankrate score

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on Chase's secure site

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Intro offer

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Earn $200 cash back

Recommended credit score

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670 - 850

Regular APR

18.24% - 27.74% Variable

Annual fee

$0

Rewards rate

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1.5% - 5%

Rachel’s take:

An excellent everyday card to boost your points stash. Highly recommend getting it in addition to the #1 card.

Ink Business Unlimited® Credit Card

Bankrate score

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4.2
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Bankrate review
Recommended credit score:670 - 850
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on Chase's secure site

See Rates & Fees

Intro offer

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Earn $750 bonus cash back

Rewards Rate

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1.5%

Annual fee

$0

Regular APR

16.74% - 24.74% Variable

Rachel's take:

A fantastic no annual fee card - remember that the welcome bonus appears to be cash back but can actually convert to transferable points if you have a different card from this bank that does allow transfers!

Ink Business Cash® Credit Card

Bankrate score

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4.3
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Bankrate review
Recommended credit score:670 - 850
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Apply now

on Chase's secure site

See Rates & Fees

Intro offer

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Earn $750 bonus cash back

Rewards Rate

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1% - 5%

Annual fee

$0

Regular APR

16.74% - 24.74% Variable

Rachel's take:

Another no annual fee card we recommend! 

Sapphire Reserve for Business℠

Bankrate score

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4.9
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Bankrate review
Recommended credit score:670 - 850
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on Chase's secure site

See Rates & Fees

Intro offer

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Earn 150,000 bonus points

Rewards Rate

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1x - 8x

Annual fee

$795

Regular APR

Flex for Business Variable APR: 17.74% - 25.74%

Rachel's take:

A hefty annual fee but well worth it if you can use the perks and benefits. If your business can meet the minimum spend, I highly recommend this.

Capital One Venture X Rewards Credit Card

Bankrate score

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5.0
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Bankrate review
Recommended credit score:740 - 850
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on Capital One's secure site

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Intro offer

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Earn 75,000 bonus miles

Rewards Rate

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2 Miles - 10 Miles

Annual fee

$395

Regular APR

19.49% - 28.49% (Variable)

Rachel's take:

Thanks to the reward structure of this card that earns twice the miles of many other cards, it's an excellent card to have as an everyday card.

American Express® Gold Card

Bankrate score

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4.9
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Bankrate review
Recommended credit score:Good to Excellent
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on American Express's secure site

See Rates & Fees, Terms Apply

Intro offer

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As High As 100,000 points. Find Out Your Offer.

Rewards Rate

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1X - 4X

Annual fee

$325

APR

See Pay Over Time APR

Rachel's take:

This card is one of my favorites for dining and grocery spending. Card holders can earn a substantial amount of points a year just by moving some of their dining and grocery spending to this card.

American Express Platinum Card®

Bankrate score

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4.8
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Bankrate review
Recommended credit score:Good to Excellent
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Apply now

on American Express's secure site

See Rates & Fees, Terms Apply

Intro offer

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As High As 175,000 points. Find Out Your Offer.

Rewards Rate

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5X

Annual fee

$895

APR

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Rachel's take:

A hefty premium card with exceptional perks. Not an under 5/24 card but helpful when you're ready to elevate your travels.

The Blue Business® Plus Credit Card from American Express

Bankrate score

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4.1
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Bankrate review
Recommended credit score:Good to Excellent
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on American Express's secure site

See Rates & Fees, Terms Apply

Intro offer

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15,000 Membership Rewards® points

Rewards Rate

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2X

Annual fee

No annual fee

Regular APR

16.74% - 26.74% Variable

Rachel's take:

A no fee card to house your rewards with this program. An excellent choice for many business owners!

American Express® Business Gold Card

Bankrate score

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5.0
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Bankrate review
Recommended credit score:Good to Excellent
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Apply now

on American Express's secure site

See Rates & Fees, Terms Apply

Intro offer

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Earn 100,000 points

Rewards Rate

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1X - 4X

Annual fee

$375

Regular APR

17.74% - 28.49% Variable

Rachel's take:

With the high multipliers in the top two categories of spend each month, this card has potential to earn significant points for business owners. This is one I always keep in my wallet!

The Business Platinum Card® from American Express

Bankrate score

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4.8
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Bankrate review
Recommended credit score:Good to Excellent
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Apply now

on American Express's secure site

See Rates & Fees, Terms Apply

Intro offer

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Earn 200,000 Membership Rewards® points

Rewards Rate

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1X - 5X

Annual fee

$895

Regular APR

17.74% - 28.49% Variable

Rachel's take:

An ultra premium card that has a ton of value in the perks and benefits which easily offsets the (steep!) annual fee

Citi Strata Elite℠ Card

Bankrate score

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4.5
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Bankrate review
Recommended credit score:670 - 850
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Apply now

on Citi's secure site

See Rates & Fees

Intro offer

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Earn 75,000 bonus Points

Rewards Rate

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1.5X - 12X

Annual fee

$595

Regular APR

20.49% - 28.49% (Variable)

Rachel's take:

Newer on the credit card scene and has some unique transfer partners you might not want to miss out on.