Business

card_name

Points Structure:

  • 3x points on the first $150,000 spent each year on combined purchases in the following categories:
    • Travel.
    • Shipping purchases.
    • Internet, cable, and phone services.
    • Advertising purchases made with social media sites and search engines.
  • 1x point on all other purchases, with no limit to the points earned.

Annual Fee: annual_fees

Sign-Up Bonus: bonus_miles_full

Key Features:

  • Chase Ultimate Rewards® Boost: Points are worth 25% more when redeemed for travel through Chase Ultimate Rewards®, making your points go further when booking travel.
  • Flexible Redemption Options: Points can be redeemed for travel, cash back, gift cards, or transferred to over a dozen hotel and airline partners like Southwest Airlines, United, Marriott, and Hyatt for potentially higher value.
  • Cell Phone Protection: Offers up to $1,000 in coverage per claim against covered theft or damage for phones listed on your monthly phone bill when you pay it with your card (maximum of three claims per year).
  • Employee Cards at No Additional Cost: You can add employee cards and set spending limits, making it easier to earn points faster through your business expenses.

Who Should Get It: card_name is ideal for business owners with significant spending in the 3x bonus categories, especially those who travel frequently, use shipping services, or advertise on social media and search engines. The card is excellent for businesses looking to maximize travel rewards through Chase Ultimate Rewards® and benefit from the flexibility to transfer points to hotel and airline partners.

Drawbacks: The annual_fees annual fee might be a drawback for businesses with low spending in the bonus categories. Additionally, while the 3x points structure is competitive, businesses with more diverse spending might benefit from other business cards with broader reward categories.

card_name

Points Structure:

  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year.
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
  • 1% cash back on all other purchases with no limit.

Annual Fee: annual_fees

Sign-Up Bonus: bonus_miles_full

Key Features:

  • No Annual Fee: Enjoy the benefits of earning cash back without paying an annual fee, making it an excellent option for small businesses looking to keep costs down.
  • Flexible Cash Back Redemption: Cash back can be redeemed for statement credits, direct deposits to your bank account, or gift cards.
  • Employee Cards at No Additional Cost: You can add employee cards at no additional cost and earn cash back on their purchases, helping you accumulate rewards more quickly.
  • Purchase Protection: Offers protection against theft or damage for eligible purchases made with the card.

Who Should Get It: card_name is ideal for small business owners who frequently spend in the categories of office supplies, gas, and dining. The 5% and 2% cash back rates provide excellent value for everyday business expenses, making it a strong choice for those looking to earn cash back without incurring an annual fee.

Drawbacks: The cash back structure is limited to the first $25,000 spent in each category annually, after which you earn only 1%. Businesses with high spending in these categories may find that they hit the cap quickly. Additionally, while the rewards are great for everyday purchases, those looking for travel rewards might want to consider other options.

card_name

Cash Back Structure:

  • Earn 2% cash back on the first $50,000 spent in combined purchases each year (then 1%).

Annual Fee: annual_fees, See Rates and Fees

Sign-Up Bonus: See Rates and Fees

Key Features:

  • No Annual Fee: Enjoy cash back rewards without the burden of an annual fee, making it ideal for small businesses.
  • Flexible Cash Back Redemption: Cash back can be redeemed as a statement credit, providing flexibility in how you use your rewards.
  • Employee Cards at No Additional Cost: You can add employee cards at no additional cost and earn cash back on their purchases, helping to accumulate rewards more quickly.
  • Purchase Protection: Offers protection for eligible purchases against theft or damage, providing added peace of mind.

Who Should Get It: card_name is ideal for small business owners who want to earn cash back on everyday purchases without paying an annual fee. The 2% cash back rate on the first $50,000 spent is particularly beneficial for businesses with significant expenses in common categories.

Drawbacks: The cash back rate drops to 1% after reaching the $50,000 cap, which may limit potential rewards for businesses with high spending in the bonus categories. Additionally, while the card offers solid cash back options, those looking for travel rewards may prefer other American Express cards with more extensive travel benefits.

card_name

Cash Back Structure:

  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
  • Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions

Annual Fee: annual_fees

Sign-Up Bonus: bonus_miles_full

Key Features:

  • Simple Cash Back Rewards: The straightforward 2% cash back on all purchases makes it easy to earn rewards without worrying about rotating categories or spending limits.
  • No Foreign Transaction Fees: Ideal for businesses that travel internationally, as there are no additional fees for purchases made outside the U.S.
  • Employee Cards at No Additional Cost: You can add employee cards at no extra charge and earn cash back on their purchases, helping to accumulate rewards faster.
  • Flexible Redemption Options: Cash back can be redeemed for statement credits, checks, or gift cards, providing flexibility in how you use your rewards.
  • Year-End Summary: Get an annual spending report to help with budgeting and tax preparation.

Who Should Get It: card_name is perfect for business owners who want a simple and straightforward cash back card with a high earning rate on every purchase. The lack of spending limits and the robust sign-up bonus make it particularly attractive for businesses with significant expenses.

Drawbacks: The annual_fees annual fee may be a consideration for businesses with lower spending who may not benefit enough from the cash back rewards to justify the cost, especially in the first year if they do not spend the required amount to earn the sign-up bonus. Additionally, businesses looking for travel rewards may find better options in cards specifically designed for travel.

card_name

Points Structure:

  • 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel.
  • 2 Miles per $1 on every purchase, everywhere.

Annual Fee: annual_fees

Sign-Up Bonus: bonus_miles_full

Key Features:

  • Simple Rewards Program: Earn 2x miles on all purchases makes it easy to accumulate rewards without worrying about category restrictions.
  • No Foreign Transaction Fees: A great choice for businesses that travel internationally, as there are no extra fees for purchases made outside the U.S.
  • Flexible Mile Redemption: Miles can be redeemed for travel purchases, or transferred to over 15 travel partners for potentially higher redemption value.
  • Employee Cards at No Additional Cost: Add employee cards at no extra charge and earn miles on their purchases, helping to boost your rewards earnings.
  • Travel Perks: Access to travel-related benefits, including travel accident insurance and auto rental collision damage waiver.

Who Should Get It: card_name is ideal for business owners who want to earn travel rewards with a straightforward miles structure. The ability to earn 2x miles on all purchases is especially valuable for businesses with diverse spending, while the bonus miles on travel bookings add extra incentive for those who travel frequently.

Drawbacks: While the miles can be redeemed for travel, the card may not offer as many travel-specific benefits (like airport lounge access) compared to some premium travel cards. Additionally, businesses that do not spend heavily on travel may find more value in cash back cards.

card_name

Points Structure:

  • 10x miles on hotels and rental cars booked through Capital One Travel.
  • 5x miles on flights booked through Capital One Travel.
  • 2x miles on all other purchases.

Annual Fee: annual_fees

Sign-Up Bonus: bonus_miles_full

Key Features:

  • $300 Annual Travel Credit: Receive up to $300 in statement credits for bookings made through Capital One Travel, effectively reducing the net annual fee.
  • 10,000 Anniversary Miles: Earn 10,000 bonus miles each year on your account anniversary, worth $100 in travel.
  • Lounge Access: Unlimited access to Capital One’s exclusive lounges and Priority Pass™ lounges worldwide, plus two complimentary guest passes per visit.
  • No Foreign Transaction Fees: Ideal for international business travelers, as there are no additional fees for purchases made outside the U.S.
  • Transfer Partners: Ability to transfer miles to over 15 travel loyalty programs, allowing for potentially higher redemption value.

Who Should Get It: card_name is best for business owners who frequently travel and want to earn rewards on their business expenses. The 2x miles on all purchases, along with the robust sign-up bonus and annual travel credit, make it an attractive choice for businesses that can leverage travel rewards.

Drawbacks: The annual_fees annual fee might be a consideration for businesses that do not spend heavily on travel or do not utilize the premium benefits offered by the card. Additionally, while the rewards structure is solid, businesses with different spending patterns may find better value in other cards tailored to their specific needs.

card_name

Points Structure:

  • Unlimited 5% total cash back on travel purchased through Chase Travel℠.
  • Unlimited 2.5% total cash back on purchases of $5,000 or more.
  • Unlimited 2% cash back on all other business purchases.

Annual Fee: annual_fees

Sign-Up Bonus: bonus_miles_full

Key Features:

  • Chase Ultimate Rewards® Integration: Points can be redeemed for travel through the Chase Ultimate Rewards® portal, or transferred to over a dozen travel partners for potentially higher value.
  • Flexible Payment Options: Offers the ability to pay in full or carry a balance, providing flexibility for business cash flow.
  • Purchase Protection: Includes protection against theft or damage for eligible purchases made with the card.

Who Should Get It: card_name is designed for business owners who want to earn robust rewards on their everyday spending, especially in travel and shipping categories. The competitive points structure, along with the valuable sign-up bonus, makes it ideal for businesses looking to maximize rewards.

Drawbacks: The annual_fees annual fee may be a consideration for businesses that do not spend heavily in the bonus categories. Additionally, while the points structure is straightforward, those who require more specialized rewards for specific business expenses might find other business cards more suitable.

To see the rates and fees for the American Express cards mentioned in this post, please visit the following links: The card_name (See Rates and Fees)