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Amber on Points

Cards for Big Spenders

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

See Rates & Fees, Terms Apply

Bankrate score

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4.8
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Bankrate review

Intro offer

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As High As 300,000 points. Find Out Your Offer.

Rewards Rate

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1X - 5X

Annual fee

$895

Regular APR

17.74% - 28.49% Variable

Why you'll like this: Its top-class welcome offer and plentiful benefits can easily offset the card’s large annual fee.

Best luxury card bonus for airfare

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

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Bankrate score

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4.8
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Bankrate review

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

See Pay Over Time APR

Why you'll like this: It boasts perhaps the most valuable perks and welcome bonus you can potentially get on a travel rewards card.

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

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Bankrate score

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4.9
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Bankrate review

Intro offer

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Earn 150,000 bonus miles

Rewards Rate

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2X miles - 10X miles

Annual fee

$395

Regular APR

25.74% (Variable)

Best offer ever

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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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Apply now

on Chase's secure site

See Rates & Fees

Intro offer

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Earn 200,000 bonus points

Rewards Rate

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1x - 8x

Annual fee

$795

Regular APR

Flex for Business Variable APR: 17.74% - 28.49%

Best business card for bonus offer

Capital One Spark Cash Plus

Bankrate score

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4.7
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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 $2,000 cash back

Rewards Rate

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2% - 5%

Annual fee

$150

Regular APR

25.74% (Variable)

Why you'll like this: You can earn potentially unmatched sign-up bonus value and annual credits that make the card worthwhile for a few years.

Ink Business Preferred® Credit Card

Bankrate score

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3.9
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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 100,000 bonus points

Rewards Rate

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1X - 3X

Annual fee

$95

Regular APR

17.74% - 26.74% Variable

Best business card for first-year rewards value

American Express® Business Gold Card

Bankrate score

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4.7
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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 200,000 points. Find Out Your Offer.

Rewards Rate

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1X - 4X

Annual fee

$375

Regular APR

17.74% - 28.49% Variable

Best for simplicity

Capital One Spark Cash

Bankrate score

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4.4
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Bankrate review
Recommended credit score:740 - 850
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Apply now

on Capital One's secure site

See Rates & Fees

Intro offer

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Earn $1,000 cash back

Rewards Rate

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2% - 5%

Annual fee

$0 intro for first year; $95 after that

Regular APR

24.49% (Variable)

Why you'll like this: Its flat rewards rate makes earning cash back a breeze, so it’s a great starting point if you’re new to rewards cards.

Capital One Venture Business

Bankrate score

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4.0
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Recommended credit score:740 - 850
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Apply now

on Capital One's secure site

See Rates & Fees

Intro offer

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Earn 100,000 Miles

Rewards Rate

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2X miles - 5X miles

Annual fee

$95

Regular APR

24.49% (Variable)