Best Visa Credit Cards Of September 2024 (2024)

Up to 5x Reward Rate

Earn 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on allRead More

Welcome Bonus

60,000 bonus points

Annual Fee

$95

Regular APR

21.49%-28.49% Variable

Credit Score

Excellent, Good(700 - 749)

For those looking to earn decent travel rewards without paying an exorbitant annual fee, the Chase Sapphire Preferred® Card may be the right fit.

Why We Like It

The Sapphire Preferred offers trip cancellation and interruption insurance, primary auto rental collision damage waiver, purchase protection, extended warranty protection, baggage delay insurance and trip delay reimbursem*nt among other benefits.

Cardholders can redeem points for one cent each as statement credits or deposits into their bank accounts. Points are worth 25% more toward travel when redeemed through Chase Travel℠—plus, you’ll get up to $50 in statement credits each year to use toward hotels booked through Chase Travel. Another potentially valuable redemption option is to transfer your Ultimate Rewards® points to one of Chase’s many airline and hotel travel transfer partners.

What We Don’t Like

Approval for the Sapphire Preferred typically requires good or excellent credit, which means some applicants won’t be eligible for the card.

Who It’s Best For

This card bridges the gap between no annual fee travel cards and expensive premium cards, making it perfect for middle-of-the-road travelers.

I​​t’s the granddaddy of travel credit cards, but it still earns its reputation as one of the best around with solid bonus categories, strong travel protections, a great set of domestic and international transfer partners and a reasonable annual fee to boot. You can’t go wrong with it as your first travel credit card.

Rates & Fees

Up to 10X Reward Rate

Earn 2 miles per dollar on all eligible purchases, 5 miles per dollar on flights and vacation rentals and 10Read More

Welcome Bonus

Earn 75,000 bonus miles

Annual Fee

$395

Regular APR

19.99% - 29.99% (Variable)

Credit Score

Excellent(750 - 850)

The Capital One Venture X Rewards Credit Card isn’t cheap, but it does come heavily loaded with benefits that can make it well worth the cost.

Why We Like It

With $300 back in annual credit for bookings through Capital One Travel and 10,000 bonus miles (equal to $100 toward travel) every year starting on the first anniversary, the Venture X starts strong and stays strong.

The Capital One Lounge and Priority Pass Lounge access are great, too. Other valuable travel benefits include a TSA PreCheck® or Global Entry application fee reimbursem*nt credit, no foreign transaction fees and over 15 travel loyalty program points transfer partners (rates & fees).

What We Don’t Like

Even if it’s well-justified, the $395 annual fee on this card will certainly give you pause.

Who It’s Best For

The Venture X is best for frequent travelers who will use its benefits, credits and travel protections regularly.

If you’re looking for lofty perks without a lofty annual fee (rates & fees), the Venture X fits the bill. While other cards with elite benefits run nearly $700 a year, you’ll only pay a little more than half that for the Venture X. And you’ll still get Capital One and Priority Pass airport lounge access for you and your guests, an annual travel credit and solid earnings on everyday purchases.

Up to 10x Reward Rate

Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel throughRead More

Welcome Bonus

60,000 bonus points

Annual Fee

$550

Regular APR

22.49%-29.49% Variable

Credit Score

Excellent(750 - 850)

Not only does the Chase Sapphire Reserve® earn awesome rewards, but this Visa Infinite card comes packed to the gills with travel perks, including best-in-class trip protections.

Why We Like It

Frequent travelers will likely make good use of the annual $300 travel credit, Priority Pass airport lounge membership with guest access and comprehensive travel insurance that covers eligible trips for select rental car damages, lost luggage, medical expenses and more.

While the benefits draw you in, don’t overlook the rewards. Chase Ultimate Rewards® are extremely popular and for good reason. The points are easily transferable, and the program also includes several airlines and hotels not available through other issuers, including fan favorites like World of Hyatt and United MileagePlus.

What We Don’t Like

There’s a high annual fee on this card, so you’ll want to confirm it makes sense for you before applying.

Who It’s Best For

The Sapphire Reserve makes a lot of sense for travelers, especially those who highly value trip protection benefits.

The Chase Sapphire Reserve card is one of the most valuable flexible rewards credit cards thanks to its lucrative bonus categories and easy-to-use travel credit. Cardholders can offset the annual fee and get great value when redeeming Chase Ultimate Rewards points earned on the card, thanks to partnerships with numerous airlines and hotels and its convenient travel booking portal, Chase Travel℠.

Up to 9X Reward Rate

Earn up to 9 points total per $1 spent at Hyatt - 4 bonus points per $1 on qualified purchasesRead More

Welcome Bonus

Up to 60,000 Bonus Points

Annual Fee

$95

Regular APR

21.49% - 28.49% variable

Credit Score

Excellent, Good(700 - 749)

World of Hyatt is one of the strongest hotel loyalty programs you’ll find and The World of Hyatt Credit Card doesn’t disappoint. The credit card is a convenient way to boost your point balance.

Why We Like It

The World of Hyatt Credit Card offers a complimentary free night each year to a Category 1 to 4 Hyatt hotel or resort on the card member anniversary with the opportunity to earn a second night after spending $15,000 on the card each year.

It grants automatic Discoverist Elite status as well as five elite qualifying night credits each year. Cardholders can also earn two additional elite qualifying night credits for every $5,000 spent. This is one of the most convenient ways to spend your way toward status.

What We Don’t Like

Hyatt’s limited footprint worldwide means these rewards aren’t the best option for travelers who regularly visit out-of-the-way destinations.

Who It’s Best For

This card is best for Hyatt loyalists looking to boost their rewards balance and potentially work their way toward elite status.

For many Hyatt loyalists, earning Globalist status each year is a priority and this card can help them get there faster by providing five elite night credits annually. Plus the complimentary yearly certificate for a category 1 to 4 Hyatt hotel counts toward elite status too and can offset the card’s annual fee.

Up to 6X Reward Rate

Earn 6 points per $1 spent on eligible purchases made at participating By Wyndham hotels and at gas stations; EarnRead More

Welcome Bonus

45,000 bonus points

Annual Fee

$75

Regular APR

20.99% - 29.99% variable

Credit Score

Excellent/Good Credit(700 - 749)

Wyndham Rewards can be an overlooked program. But thanks to its simplicity, travelers can find great value. The Wyndham Rewards Earner® Plus Card* from Barclays locks in automatic Platinum elite status while earning hotel points on every purchase.

Why We Like It

The high earning rate on gas purchases makes this card an unexpected standout, but the benefits aren’t bad. Cardholders can access discounts on both paid and reward reservations—a rarity among hotel credit cards.

Additionally, you’ll earn a 7,500-point anniversary bonus each year you renew the card, which can help you get closer to your next free night. The card charges no foreign transaction fees, so it’s a strategic payment method even when traveling internationally.

What We Don’t Like

Wyndham is one of the few remaining hotel loyalty programs with strict points expiration policies, so you’ll want to avoid hoarding points for too long.

Who It’s Best For

You’ll like this card if you travel with Wyndham often since it offers strong earnings and great discounts on paid stays.

Wyndham loyalists will enjoy the array of perks and benefits offered by the Wyndham Earner Plus card. By providing complimentary PLATINUM loyalty status, this card is primed to ensure an enhanced experience at Wyndham’s 9,000+ properties.

Up to 3X Reward Rate

3 miles per $1 spent on United® purchases. 2 miles per $1 spent on dining, select streaming services & allRead More

Welcome Bonus

Earn 60,000 bonus miles

Annual Fee

$250

Regular APR

21.99% - 28.99% Variable

Credit Score

Good/Excellent(700 - 749)

The United and partner-related benefits on the United Quest℠ Card are stellar for an airline card, and the earning rates are solid, too.

Why We Like It

The United Quest℠ Card offers a planeload in value despite its oversized-baggage of an annual fee. You can get two free checked bags when flying United and you won’t pay foreign transaction fees when traveling abroad. You can also receive up to $125 in statement credits for United purchases and, starting with your first card anniversary, can get up to two 5,000-mile credits annually after booking United award flights.

In addition to the headlining benefits, you’ll also enjoy a path toward earning status by earning Premier Qualifying Points when reaching spending thresholds on the card.

What We Don’t Like

Oddly, this card doesn’t include any United Club lounge passes, even though the less expensive United℠ Explorer Card does.

Who It’s Best For

United flyers should all consider a co-branded United Airlines card. This one, in particular, is best for travelers who don’t need airport lounge access.

Don’t let the card’s annual fee scare you off. Even if you’re not a United frequent flyer, the perks can make this card worth your while, and the rewards rates are better compared to most airline cards.

Up to 2X Reward Rate

Earn unlimited 2 points for every $1 you spend on travel and dining purchases. Earn 1.5 points for every $1Read More

Welcome Bonus

60,000 points

Annual Fee

$95

Regular APR

21.24% - 29.24% Variable APR on purchases and balance transfers

Credit Score

Good, Excellent(700 - 749)

It’s unusual to see cash-back rewards paired with powerful perks, so the Bank of America® Premium Rewards® credit card stands out in a crowded field.

Why We Like It

Most purchases earn at a flat rate of 1.5 points per dollar spent for simplicity—with a few bonus categories for good measure. That’s a bit extra compared to standard 1% cash-back cards, so your earnings can grow more quickly.

The card also packs in a few travel benefits in amounts and features that nearly anyone can use. Cardholders can earn up to $100 in statement credits each year when using their card to pay for airline incidentals (such as seat selection fees, lounges or checked bags). You can also earn a statement credit every four years to help offset application fees for TSA PreCheck® or Global Entry. Plus, there are no foreign transaction fees.

One more reason to love the card: Bank of America Preferred Rewards members are eligible for bonus earnings on top of the everyday rewards rates.

What We Don’t Like

Unfortunately, these benefits come at a price. There’s a $95 annual fee. There’s also no introductory APR offers for new purchases or balance transfers.

Who It’s Best For

You’ll do best with the Bank of America® Premium Rewards® credit card if you qualify for Bank of America’s Preferred Rewards program for bonus points and can use the airline incidentals credit every year.

The best travel credit cards make it easy to earn back the annual fee every year, and the Premium Rewards credit card is one of those. It’s also a rewards powerhouse for Bank of America Preferred Rewards customers.

Up to 6.5X Reward Rate

Earn an additional 1.5% cash back on up to $20,000 spent in the first year, after that 5% cash backRead More

Welcome Bonus

Up to $300 cash back

Annual Fee

$0

Regular APR

20.49% - 29.24% Variable

Credit Score

Excellent, Good(700 - 749)

The Chase Freedom Unlimited® is a one-card solution with no annual fee that offers benefits beyond those of most cash-back Visa credit cards.

Why We Like It

This card had us at 1.5% cash back on all purchases and then outdid itself by also tacking on stronger earning rates on dining, drugstores and select travel. As if that’s not enough, the Freedom Unlimited also showers new cardholders with a welcome offer and introductory APR: 0% introductory APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% – 29.24% applies. An intro transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater, applies in the first 60 days of account opening. After that, a fee of either $5 or 5% of the amount of each transfer applies.

The combination of all these features makes it a great solution for anyone who doesn’t want to worry about managing multiple cards. And since there’s no annual fee, you can keep using it for years instead of constantly shopping for new options.

For anyone who’s willing to carry more than one credit card, the Freedom Unlimited pairs well with other Chase Ultimate Rewards® cards (including several on this list). When paired, cardholders may have access to additional forms of reward redemptions such as 1:1 mileage transfers to partner airlines and hotels.

What We Don’t Like

You could potentially outearn this card by choosing a 2% cash-back card, though that might mean giving up other features like the welcome bonus.

Who It’s Best For

We recommend the Chase Freedom Unlimited® for anyone who wants to earn cash back without an annual fee.

The secret advantage of the Chase Freedom Unlimited is that it earns rewards that can be moved to other Chase credit cards instead of being redeemed for cash back. That means when you pair it with one of Chase’s cards that can transfer points to the bank’s airline and hotel partners, you’re effectively earning rewards that are even more valuable than advertised.

Rates & Fees

Welcome Bonus

N/A

Annual Fee

$0

Regular APR

18.24%, 24.74%, or 29.99% Variable APR

Credit Score

Excellent, Good(700 - 749)

If you need time to pay down purchases or balance transfers without accruing interest, the Wells Fargo Reflect® Card could cover your needs with time to spare.

Why We Like It

The introductory period on this card is phenomenal, offering a 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. A 18.24%, 24.74%, or 29.99% variable APR applies thereafter. Balance transfers made within 120 days qualify for the intro APR and a balance transfer fee of 5%, min $5 applies. However, after that timeline is up, the Wells Fargo Reflect doesn’t provide much to keep you hooked on their card. You do have cellphone protection (a $25 deductible applies) when you pay your monthly phone bill with your card.

What We Don’t Like

There are no rewards, and the benefits are light. Cardholders also won’t get a welcome offer from this card. So if you don’t actually need an intro APR on new purchases, you’d be better off charging them to a card with a cash or points bonus.

Who It’s Best For

We recommend the Wells Fargo Reflect® Card to anyone who needs time to pay down purchases or balances.

The Wells Fargo Reflect includes decent auto and theft protection, but the most compelling card benefit is the generous intro balance transfer offer upon account opening.

No Rewards

The U.S. Bank Visa® Platinum Card does not offer rewards on purchases.

Welcome Bonus

N/A

Annual Fee

$0

Regular APR

18.74% - 29.74% (Variable)

Credit Score

Good/Excellent(700 - 749)

You’ll find one of the longest introductory APR periods available with the U.S. Bank Visa® Platinum Card*, making it a great option for anyone who needs wiggle room to pay off a purchase.

Why We Like It

New cardholders get a 0% intro APR on purchases and balance transfers for 21 billing cycles, followed by a variable APR of 18.74% – 29.74%. Balance transfers made within 60 days qualify for the intro APR and a balance transfer fee of 5% or $5, whichever is greater, applies.

The card also provides cellphone protection, subject to terms and conditions. But mainly this is a card you get and use for the introductory APR—and that’s it. To be fair, that’s not a bad deal for a card with a $0 annual fee.

What We Don’t Like

This is a one-trick pony, which means you’ll either love or hate this card. It doesn’t offer any rewards, and meaningful benefits are sparse.

Who It’s Best For

The U.S. Bank Visa® Platinum Card* is best for customers who need an extended runway to pay off new purchases or balance transfers.

Build credit easily with the U.S. Bank Visa Platinum, plus take advantage of one of the longest intro balance transfer periods.

Choose your 3% category

Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up toRead More

Welcome Bonus

$200

Annual Fee

$0

Regular APR

19.24% - 29.24% Variable APR on purchases and balance transfers

Credit Score

Excellent/Good(700 - 749)

The introductory APR period on the Bank of America® Customized Cash Rewards credit card is shorter than others on the list, but it provides payment flexibility while simultaneously earning rewards.

Why We Like It

You’ll have more than a year to pay things off without interest. Cardholders get a 0% introductory APR for 15 billing cycles for purchases and balance transfers, 19.24% – 29.24% variable APR applies thereafter. Intro rate applies for any balance transfers made in the first 60 days; balance transfer fee of 3% applies to each transfer during this period, then 4%.

The combination of no annual fee, a welcome bonus, introductory APR and ongoing rewards make this card a shining star.

What We Don’t Like

Watch the limits on your earning rates. You’re capped at $2,500 in combined 2% and 3% purchases per quarter. The rewards rate drops to just 1% after that.

Who It’s Best For

The Bank of America® Customized Cash Rewards credit card is a good choice for anyone who just needs a little extra time to pay off their purchases or balances and wants to earn rewards while doing so.

It’s all about choice with the Bank of America® Customized Cash Rewards credit card. Not only do you get to choose your top bonus category, but you can change it every month if you want. You’ll find the most value in this card if you’re also a member of Bank of America’s Preferred Rewards program by receiving a 25%-75% earning bonus on everything you buy.

Rates & Fees

Up to 5% Reward Rate

Earn 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center, 5% cashRead More

Welcome Bonus

$200 bonus

Annual Fee

$0

Regular APR

19.49% - 29.74% Variable

Credit Score

Good,Excellent(700 - 749)

Combine up to 5% cash back with more than a year without interest on purchases and balance transfers with the U.S. Bank Cash+®Visa Signature®Card.

Why We Like It

The cash-back rewards on this card are superb, assuming you’re not bothered by the spending limit on the 5% categories, which is capped at $2,000 per quarter. That still adds up on eligible categories which include everyday expenses like fast food, department stores and electronic stores.

The introductory APR offer is a fantastic feature, too. You’ll get a 0% intro APR on purchases and balance transfers for 15 billing cycles, then a standard APR of 19.49% – 29.74% variable APR applies. A balance transfer fee of 3% ($5 minimum) applies and balances transferred must be completed within 60 days from account opening.

What We Don’t Like

To earn elevated rewards, you’ll need to manually select your preferred purchase categories, which feels like an extra step for no good reason. Worst of all, you need to re-enroll every quarter.

Who It’s Best For

Customers who can keep good track of their enrollment status and spending balances can earn excellent rewards from this card.

Up to 4X Reward Rate

Earn 4x points on dining and takeout, 2x points at grocery stores, gas stations and on streaming services and 1xRead More

Welcome Bonus

N/A

Annual Fee

$0

Regular APR

30.24% variable

Credit Score

Good(700 - 749)

There’s nothing fancy about the U.S. Bank Altitude® Go Secured Visa® Card* but that’s not the point: Work on building your credit without an annual fee and you’ll have the chance to graduate to an unsecured card in the future.

Why We Like It

You can earn rewards in multiple everyday spending categories, which makes this a winner for someone starting (or restarting) their credit journey.

The card also includes several credit-building features. U.S. Bank will report your (hopefully responsible) payment behavior to all three credit bureaus. It also regularly monitors your account to determine if you’re eligible to have your security deposit returned—when you qualify, it will all be handled automatically.

There’s also a $15 credit toward streaming services annually, which is a small but helpful bonus for loyal customers with streaming subscriptions charged to the card.

What We Don’t Like

Customers need to front a security deposit of $300 to $5,000 (depending on their preferred line of credit) for this card.

Who It’s Best For

We recommend this card for someone who wants to earn rewards and can’t immediately qualify for an unsecured credit card.

1.5X Reward Rate

Earn 1.5% cash back on every purchase.

Welcome Bonus

$25 statement credit

Annual Fee

$0

Regular APR

26.99% Variable

Credit Score

New To Credit / Limited Credit

The Chase Freedom Rise® is specifically designed to consider applicants with a limited credit history—and it offers rewards to boot.

Why We Like It

When you’re starting from zero, it can be hard to get approved for an unsecured credit card. Though you don’t necessarily need to be a Chase banking customer, having a checking account with at least $250 may increase your approval odds. Beyond that, it’s a good starter card: You’ll earn flat-rate rewards, pay no annual fee and set yourself up to build credit toward future needs.

What We Don’t Like

This card isn’t competitive after you’ve built up your credit, which means you’ll likely want to apply for a card with better benefits or rewards in the future.

Who It’s Best For

The Freedom Rise is best for existing Chase customers who don’t already have an established credit history.

Up to 3% Reward Rate

Earn 3% cash back in the category of your choice: gas and EV charging, online shopping, dining, travel, drug storesRead More

Welcome Bonus

N/A

Annual Fee

$0

Regular APR

29.24% variable

Credit Score

New to Credit

Though secured cards aren’t anyone’s first choice, the Bank of America® Customized Cash Rewards Secured Credit Card* makes the burden of providing a deposit worthwhile, thanks to a worthy rewards structure.

Why We Like It

The ability to earn rewards puts this card head and shoulders above other options. You’ll earn 3% cash back in a category of choice: gas and EV charging, online shopping, dining, travel, drug stores or home improvement/furnishings; 2% cash back at grocery stores and wholesale clubs; unlimited cash back on all other purchases. Earn 3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%.

Bank of America will review your account periodically to determine if your deposit can be returned after consistently responsible use. The card includes a few resources to help you track and build your credit, including a free monthly FICO Score.

What We Don’t Like

If approved, you’ll need to provide a cash security deposit of $200 to $5,000 to secure your credit limit.

Who It’s Best For

If you can front the security deposit, this card looks and works like any other cash-back card, which makes it great for someone who wants to earn rewards while building their credit.

1.5X Reward Rate

1.5 points per dollar on all other purchases and 3 points per dollar on purchases made through the Travel Center.

Welcome Bonus

N/A

Annual Fee

$0

Regular APR

28.24% variable

Credit Score

Limited, Bad, Fair(0 - 649)

The ability to earn rewards with no annual fee makes the Bank of America® Travel Rewards Secured Credit Card* one to consider for travelers at heart looking to explore the world without a high credit score.

Why We Like It

The absence of foreign transaction fees makes the Bank of America® Travel Rewards Secured Credit Card* a great option for overseas trips. That means the rewards you earn are as high as they sound: Earn 3 points per dollar on purchases made through the Travel Center and 1.5 points per dollar on all other purchases.

What We Don’t Like

Because it’s a secured card, you must provide a cash deposit as collateral against your credit limit. However, Bank of America promises to regularly review your account to see if you qualify to get your security deposit back.

Who It’s Best For

We think this card makes the most sense for travelers with bad credit who need access to a card without foreign transaction fees.

Up to 5X Reward Rate

Earn 5% cash back on eligible purchases for the first 6 months of account opening or up to $10,000 inRead More

Welcome Bonus

$250 + 5% cash back

Annual Fee

$0

Regular APR

19.24%, 24.24% or 29.24% variable APR

Credit Score

Good, Excellent(700 - 749)

This straightforward workhorse earns 2% cash back with no annual fee, making the TD Business Solutions Credit Card* a good option for business owners who want to keep things simple.

Why We Like It

No fuss, no muss. There are no rotating categories, bonus enrollments, caps, limits or expiration dates, so you can focus on everything else it takes to keep your business running.

There is one extremely important benefit included with the card: You can add employee cards and set spending limits at no additional cost.

What We Don’t Like

There are limited perks and protections offered by the card, so it won’t be a good choice for businesses seeking extra benefits.

Who It’s Best For

This card is the perfect solution for businesses focused primarily on cash rewards at no annual fee.

Up to 5% Reward Rate

Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center; Earn 3% cashRead More

Welcome Bonus

$750 cash back

Annual Fee

$0

Regular APR

18.99% - 27.99% variable

Credit Score

Good, Excellent(700 - 749)

The U.S. Bank Triple Cash Rewards Visa® Business Card* is an interesting option for business owners who prefer earning cash back to travel rewards.

Why We Like It

You can turn your business expenses into cash back in several spending categories, which makes it a great $0 annual fee rewards card. The U.S. Bank Triple Cash Rewards Visa® Business Card* comes with a healthy welcome bonus and a generous timeline for meeting it. It even offers a $100 annual statement credit for software subscriptions, such as FreshBooks or QuickBooks.

An intro APR offer on purchases can be especially appealing for small-business owners to kickstart their business: The card offers a 0% intro APR on purchases for 12 billing cycles, followed by a regular APR of 18.99% – 27.99% variable. A balance transfer fee of either 3% of the amount of each transfer or $5 minimum, whichever is greater, applies.

What We Don’t Like

Unfortunately, though, the card does charge a foreign transaction fee of 3% of each foreign transaction.

Who It’s Best For

The U.S. Bank Triple Cash Rewards Visa® Business Card* is best for small businesses who prefer cash rewards and don’t typically charge expenses in foreign currencies.

The Triple Cash Visa Business card is a strong option for businesses that have minimal travel needs and who are looking to maximize their cash-back earnings across a variety of spend categories. As a bonus, it offers a $100 software credit.

Welcome Bonus

Up to 75,000 Bonus Points

Annual Fee

$199

Regular APR

21.49% - 28.49% variable

Credit Score

Excellent, Good(700 - 749)

If you love Hyatt, you can basically choose your own adventure for earning categories with the World of Hyatt Business Credit Card.

Why We Like It

The Hyatt benefits on this card can easily justify the annual fee. Cardholders can earn up to two $50 statement credits (for a total of $100) per year when making Hyatt charges with their card. Automatic Discoverist status for you and up to five employees can also be a valuable perk.

Big spenders will find even more reasons to love the card: You’ll earn five tier-qualifying nights for every $10,000 spent in a year. And after spending $50,000 in a year, you qualify to earn 10% of up to 200,000 redeemed points back as a bonus.

What We Don’t Like

The annual fee of $199 is double the cost of most comparable hotel cards.

Who It’s Best For

Hyatt die-hards will be the best fit for this card.

This card is strategic for any Hyatt loyal business owner, but especially for those chasing Hyatt status. With its ability to earn five elite nights for every $10,000 spent on the card, cardholders are given an easier path toward valuable Globalist status via spending, making it a great complement to nights actually spent in Hyatt hotels.

1.5% Reward Rate

Earn unlimited 1.5% Cash Back rewards on every purchase made for your business

Welcome Bonus

Earn $900 bonus cash back

Annual Fee

$0

Regular APR

18.49% - 24.49% Variable

Credit Score

Excellent, Good(700 - 749)

For businesses that already have a lot to juggle, the Ink Business Unlimited® Credit Card keeps earning credit card rewards simple. Take advantage of flat-rate cash back and keep your mental capacity free for other tasks.

Why We Like It

This card has no annual fee, and you can add employee cards at no cost, making it suitable for businesses that need to enable employees.

The Ink Business Unlimited also offers an introductory APR, which can assist with funding upcoming business projects, enhancements or other purchases. New card members have access to a 0% introductory APR for 12 months on purchases, then a 18.49% – 24.49% variable APR applies for purchases and balance transfers. A balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater, applies.

What We Don’t Like

Other cards offer higher flat-rate rewards which might make more sense if you don’t need the welcome bonus or intro APR offer.

Who It’s Best For

Businesses who want easy cash-back rewards with no annual fee should consider this card.

Easy is the word that best describes the Ink Business Unlimited. With 1.5% cash back on purchases and no bonus categories to worry about, you can spend your time focusing on your small business instead of your credit card. Best of all, if you want to convert your rewards from cash back to travel points, you can combine the rewards earned from this card with one of Chase’s other premium credit cards and get access to Chase’s valuable transfer partners.

Up to 5% Reward Rate

Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cableRead More

Welcome Bonus

Earn up to $750 bonus cash back

Annual Fee

$0

Regular APR

18.49% - 24.49% Variable

Credit Score

Excellent, Good(700 - 749)

The Ink Business Cash® Credit Card offers a tiered approach to cash-back rewards, allowing you to maximize your earning potential.

Why We Like It

Chase’s line of Ink business cards come in many forms and this cash-back option is great for businesses that want to keep their redemptions straightforward without paying an annual fee. There are no activations or opt-ins required to earn at the higher reward rates, which means you have one less thing to keep track of.

What We Don’t Like

Keep an eye on spending caps—both the 5% and 2% categories top out at $25,000 combined in spending per year.

Who It’s Best For

This card is ideal for small businesses that spend heavily at office supply stores or on telecom purchases.

Small businesses who spend heavily at office supply stores and on internet, cable and phone services will find the Ink Business Cash to be a perfect fit. But if your regular monthly business expenses are primarily in other categories, you may find the Ink Cash’s sister card, the Ink Business Unlimited, to be a better choice for your needs.

Up to 3x Reward Rate

Earn 3 points per $1 spent on Southwest® purchases. Earn 2 points per $1 spent on Rapid Rewards® hotel andRead More

Welcome Bonus

Earn up to 120,000 points

Annual Fee

$99

Regular APR

21.49% - 28.49% Variable

Credit Score

Good, Excellent(700 - 749)

With the Southwest® Rapid Rewards® Premier Business Credit Card, you’ll have everything you love about Southwest Airlines wrapped up in a single package. Take advantage of benefits while flying by earning points on every purchase.

Why We Like It

The Southwest® Rapid Rewards® Premier Business Credit Card is loaded with airline benefits, helping to justify its $99 annual fee. It comes with two EarlyBird Check-Ins every year, a 25% discount on in-flight purchases and up to $500 in points transfer fee credits—allowing you to share points guilt-free with employees or other Southwest flyers as an incentive.

Among other perks, you’ll also get to enjoy 6,000 anniversary bonus points each year you renew the card and the option to earn 1,500 tier-qualifying points toward status for every $5,000 spent.

What We Don’t Like

Southwest doesn’t partner with other airlines, so you’ll be limited to flight awards on its limited network. It’s not a good option for first-class travel, and international destinations are extremely limited.

Who It’s Best For

Businesses that find Southwest’s offerings adequate for their needs can enjoy great benefits and rewards with this card.

This card is an excellent pairing to a Southwest personal card for anyone aiming to earn a coveted Southwest Companion Pass while taking on a lower annual fee. But for the more loyal Southwest passenger, the Southwest Rapid Rewards Performance Business card, with its added perks and higher welcome offer, is likely the better option.

1.5X Reward Rate

Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees andRead More

Welcome Bonus

25,000 points

Annual Fee

$0

Regular APR

19.24% - 29.24% Variable APR on purchases and balance transfers

Credit Score

Good/Excellent(700 - 749)

The student version of one of Bank of America’s mainstay cards is just as good as the original. With the Bank of America® Travel Rewards credit card for Students, you’ll get access to flat-rate earnings on all purchases.

Why We Like It

You barely have to choose which features matter to you on a credit card like this. With a welcome offer, above-average cash rewards, no annual fee and no foreign transaction fees, you’ll likely be happy with your choice.

There’s also an intro APR offer for new cardmembers that may lure you in: a 0% introductory APR for 15 billing cycles on purchases and balance transfers made within 60 days of opening the account. After that, a standard APR of 19.24% – 29.24% variable on purchases and balance transfers will apply. A 3% fee applies to all balance transfers for 60 days from account opening, then 4%.

What We Don’t Like

Even though the card is marketed as a travel rewards card, the points you earn aren’t transferable to airlines or hotels.

Who It’s Best For

This card is a good option for students who want to earn flat-rate rewards at no annual fee.