american express premier rewards gold card vs blue cash preferred

This will work with AMEX cards that earn Membership Rewards points, including: AMEX Blue Business Plus · AMEX Platinum Business · AMEX Gold. Choose between earning Membership Rewards points and Updated Oct 9, 2020. What changed? Fact checked The American Express® Gold Card has a $250. American Express cards are known for lucrative rewards, countless perks and unique Best cash-back card: Blue Cash Preferred® Card from American Express. american express premier rewards gold card vs blue cash preferred

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Historic High Offers: Amex Gold, JetBlue - Amex Blue Cash Preferred $300 Bonus


Frequently asked questions

A credit card allows you to borrow money, with the intention you’ll pay back the lender (your bank) later on. While it sounds simple, credit can get complex. Take our quick credit quiz to test your knowledge and learn what you might need to brush up on.

There are simple things you can do to build and maintain good credit. Pay your entire balance on time every month, stay below your credit limit and follow these other tips for improving your credit score.

The Rewards Center Earn Mall is an online, one-stop shopping experience where customers can receive rewards when they purchase products from over 1,000 online stores.

You can access the site by logging into your eligible credit card account with your username and password and navigate to the Rewards Center Earn Mall through the Rewards Center. When you click any online store's listing, you'll be directed to the store website, where you can complete your purchase.

Once enrolled, log in at Click on Earn Mall in the Rewards Center and start shopping. By using the Rewards Center Earn Mall on your U. S. Bank Credit Card, you will be able to earn more rewards by shopping online.

Credit purchases & start up 
Best Credit Cards for Business owners in 2022 <div><h2> <a href=citizens bank near me number 1st birthday party favors pnc bank near me open late Fidelity® Rewards Visa Signature® Card

We may change APRs, fees, and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.

1. You will earn 2 Points per dollar in eligible net purchases (net purchases are purchases minus credits and returns) that you charge. Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, refer to your Program Rules for additional information. You may not redeem Reward Points, and you will immediately lose all of your Reward Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Reward Points will not expire as long as your Account remains open. Certain transactions are mid ohio food bank double donation day eligible best restaurants in russellville ar Reward Points, including Advances (as defined in the Agreement, including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), Annual Fee, convenience checks, balance transfers, unauthorized or fraudulent charges, overdraft advances, interest charges, fees, credit insurance charges, transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchase cash convertible items. The 2% cash back rewards value applies only to Points redeemed for a deposit into an eligible Fidelity account. The redemption value is different if you choose to redeem your Points for other rewards such as travel options, merchandise, gift cards, and/or statement credit. Other restrictions apply. Full details appear in the Program Rules new card customers receive with their card. Establishment or ownership of a Fidelity account or other relationship with Fidelity Investments is not required to obtain a card or to be eligible to use Points to obtain any rewards central pacific bank atm locations under the program other than Fidelity Rewards.


Because the interest and other fees charged on any outstanding balance are greater than the cash value of the rewards points, you may pay more in fees and interest than the value of the points you earn if you do not pay your bill in full each month.


To receive a deposit, you must link your eligible Fidelity® account to your card. This can be accomplished in any of following ways. 1. You may contact Elan Financial Services Customer Service at the toll-free phone number located on the back of your credit card and provide them with your eligible Fidelity® account (s) number. 2. Simply select the “Manage Reward Points” hyperlink from the credit card snapshot page on and follow the easy steps. You may also watch a brief video that describes the linking process on the credit card snapshot page also found on Please note that automatic redemptions will occur on a monthly basis as long as you have reached the point redemption threshold of 2,500 Points.


Eligible accounts include most nonretirement registrations as well as Traditional IRA, Roth IRA, Rollover IRA, SEP IRA, Fidelity Charitable® Giving Account®, Fidelity HSA®, and Fidelity®-managed 529 College Savings Plan accounts. The ability to contribute to an IRA or 529 college savings plan account is subject to IRS rules and specific program policies, including those on eligibility and annual and maximum contribution limits. Full details appear in the Program Guidelines new card customers receive with their card. Contributions to Fidelity Charitable® are generally eligible for a federal income tax charitable deduction. Please consult with your tax advisor. The list of eligible registration types may change without notice at Fidelity’s sole discretion. For more information about whether a particular registration is eligible, please call 1-800-FIDELITY (800-343-3548).

5. Certain restrictions apply to each benefit. Details accompany new account materials.


Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardmember must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.


Cardmembers are responsible for the cost of any goods or services purchased by the Visa Signature Concierge on cardmembers’ behalf.

8. Fidelity Rewards+ generally requires $250,000 invested through Fidelity® Wealth Services, Fidelity® Strategic Disciplines, or a combination of both registered as an individual account, a joint account, or certain types of revocable trusts. Assets in other registration types, such as irrevocable trusts, partnerships, or LLCs, will not be included when determining program eligibility. Fidelity Rewards is not offered as a component of any advisory service or program through Fidelity, including, without limitation, Fidelity® Wealth Services and Fidelity® Strategic Disciplines. While there are no program enrollment fees, eligible managed accounts are charged an advisory fee.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

Fidelity Charitable® is the brand name for Fidelity Investments® Charitable Gift Fund, an independent public charity with a donor-advised fund program. Various Fidelity companies provide services to Fidelity Charitable. The Fidelity Charitable name and logo and Fidelity are registered service marks of FMR LLC, used by Fidelity Charitable under license.

"Giving Account" is a registered service mark of the Trustees of Fidelity® Charitable.

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a trademark of Apple Inc.

Google, Google Pay and the Google Logo are trademarks of Google LLC.

©2020 Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd. Use only in accordance with law.

© 2021 The Kiplinger Washington Editors. Used under License.

Fidelity Go® provides discretionary investment management for a fee. Advisory services offered by Fidelity Personal and Workplace Advisors LLC (FPWA), a registered investment adviser. Brokerage services provided by Fidelity Brokerage Services LLC (FBS), and custodial and related services provided by National Financial Services LLC (NFS), each a member NYSE and SIPC. FPWA, FBS and NFS are Fidelity Investments companies.

The creditor and issuer of this card is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.

Fidelity® and Elan Financial Services are separate companies.

Visa and Visa Signature are registered trademarks of Visa International Service Association and are used by the issuer pursuant to a license from Visa U.S.A., Inc.

Third-party trademarks appearing herein are the property of their respective owners. All other service marks are property of FMR LLC.

Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917


The 10 Best Credit Cards for Business owners in 2022

How to Earn and Redeem American Express Membership Rewards Points for Travel

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AFAR partners with and may receive a live tv app xbox one from card issuers. This compensation may impact the presentation of offers or affiliate links on this site. AFAR does not include all financial companies or all available financial offers. Our coverage is independent and objective, and has not been reviewed, approved, or endorsed by any of these entities. Opinions expressed here are entirely those of the AFAR editorial team.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit to learn more.

You might already have a stockpile of frequent flier miles with your favorite airline, or hotel points with your chain of choice. But any well-rounded travel rewards strategy should include transferable points, like American Express Membership Rewards, too. Not only can you redeem Amex points for travel and other purchases, but you can also transfer them to over 20 airline and hotel partners, which makes them especially versatile. 

Another plus? Credit cards that earn Amex Membership Rewards points have some of the best travel benefits and earning rates around. Some are even posting historically high welcome offers at the moment that are worth considering. So whether you already carry an American Express card or are thinking of opening a new one, here are some of the best ways to earn, redeem, and maximize Amex points.

Credit cards that earn American Express Membership Rewards points

To earn Amex Membership Rewards points, you’ve got to carry an American Express credit card that participates in the program. American express premier rewards gold card vs blue cash preferred are the best Amex cards.

The Platinum Card® from American Express

Annual fee: $695 (see rates and fees)

Current welcome offer

Earn 100,000 bonus points after spending $6,000 in the first six months. Plus, earn 10 points per dollar on up to $25,000 in combined purchases at restaurants worldwide and when you Shop Small in the U.S. in the first six months (terms apply).This offer is among the highest this card has ever extended and worth up to a potential 350,000 bonus points.


Earn five points per dollar on flights booked directly with airlines or through Amex Travel (on up to $500,000 per calendar year) as well as on prepaid hotel stays booked on Earn one point per dollar on everything else.

Other benefits

This card is packed with perks, but to pick the most pertinent, cardholders get up to $200 per calendar year toward airline incidental fees (like for checked bags) with a carrier they designate (enrollment required). Along with up to $15 in Uber Bank vibe number per month (plus $20 extra in December) that can be used for U.S. Uber rides or Uber Eats orders (enrollment required), cardholders can also register by December 31, 2021, for up to 12 months of Uber Eats Pass for free delivery on orders of over $15 from eligible restaurants. (After that, the subscription auto bills unless you take action.)

Cardholders also get up to $100 back once every four years for a Global Entry application (or $85 for TSA PreCheck once every 4.5 years) and enroll for Priority Pass airport lounge access (enrollment required) and Gold elite status with both Marriott and Hilton (enrollment required).

American Express® Central pacific bank atm locations Card

Annual fee: $250 (see rates and fees)

Current welcome offer

Earn 60,000 Membership Rewards points after spending $4,000 within the first six months (terms apply). That’s 25,000 points more than usual.


Earn four points per dollar at restaurants, including takeout and delivery, as well as on up to $25,000 per calendar year in spending at U.S. supermarkets (then one point per dollar after that). You can also earn three points per dollar on flights booked either directly with airlines or through It earns one point per dollar american express premier rewards gold card vs blue cash preferred everything else.

Other benefits

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An excellent option for foodies, the Amex Gold Card comes with up to $10 per month ($120 per year) in statement credits on charges from Grubhub, Seamless, and Boxed, as well as participating Shake Shack locations, plus up to $10 per month in Uber Cash toward rides and Uber Eats orders in the U.S. (enrollment required). Cardholders who enroll before December 31, 2021, can enjoy Uber Eats Pass, too.

American Express® Green Card

All information about the American Express® Green Card has been collected independently by AFAR. The Amex Green Card is no longer available through AFAR.

Annual fee: $150 (see rates and fees)

Current welcome offer

Earn 45,000 bonus points after you spend $2,000 on purchases with your card in the first six months of card membership (terms apply). That’s 15,000 more points than this card typically proffers.


Earn three Membership Rewards points per dollar spent on dining, travel, and transit, including things like subways and taxis, and one point per dollar on everything else.

Other benefits

Cardholders get up to $100 per calendar year in statement credits toward a Clear application for expedited airport security. They also receive up to $100 in statement credits per calendar year with LoungeBuddy to purchase airport lounge access (enrollment required).

Amex EveryDay® Preferred Credit Card

All information about the Amex EveryDay® Preferred Eastern bank wire routing number Card has been collected independently by AFAR. The Amex EveryDay Preferred is no longer available through AFAR.

Annual fee: $95 (see rates and fees)

Current welcome offer

Earn 15,000 Membership Rewards points after you spend $1,000 on purchases with your card in the first three months.


This card earns three points per dollar on up to $6,000 per year at U.S. supermarkets, three points per dollar at U.S. gas stations, and one per dollar on everything else. However, when you use your card for purchases 30 times or more per billing period, you get a 50 percent bonus on all the points you’ve earned, which is a nice boost.

Other benefits

This card’s main selling points are its excellent earning potential and relatively affordable annual fee, though it does offer some modest rental car insurance and return protection on purchases to keep in mind.

Choosing the right card

The key to earning the most Amex points is simply picking the credit card that offers the highest bonuses on the types of purchases you tend to make the most. If groceries are your major expense for the foreseeable future, but you typically purchase a lot of airline tickets and hotel stays, then the Amex Platinum Card will be your top earner. But if you’re not ready to commit to that card’s annual fee, the Amex Gold Card is a close runner-up and offers a phenomenal dining category bonus.

On the other hand, if your travel spending is more general and includes things like cruises and vacation packages rather than just airfare and hotels, and you already get a Global Entry or TSA PreCheck application statement credit through another card like the Chase Sapphire Reserve®, the Amex Green Card will be best. Finally, if a substantial annual fee is your primary concern, opt for the Amex EveryDay Preferred. It’s less pricey than the others, and you can still max out its grocery and gas bonuses and earn 50 percent more points by hitting that 30-transactions mark monthly. 

Maximize earning Amex Membership Rewards points

Aside from getting and using a card that earns Amex points, there are a couple other ways to earn a few bonus Membership Rewards along the way. 


American Express has a referral program that allows cardholders to send personalized links with credit card applications to their contacts. When your friend signs up through your link, you can usually earn between 5,000–20,000 points per successful application up to a yearly maximum (usually 55,000 points).

Amex Offers

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If you log into your Amex account online, you should also see a section on your card homepage listing “Amex Offers.” Many of these are simply discounts at specific merchants: spend $50, get $10 back, and so on (enrollment required). With others, though, you can earn bonus points per dollar (two instead of one, for instance) at some retailers. Or you could score a bundle of bonus points for hitting a spending threshold—earning 7,500 points for making $7,500 in purchases within three months, for example.

Redeeming Amex Membership Rewards points

Amex points are valuable because of the sheer variety of ways to redeem them.

Book travel through Amex

Don’t want to make too much effort but still ensure a solid return on your spending? The easiest way to redeem Membership Rewards points is through the Amex Travel portal. Points are worth one cent apiece toward flight reservations made there, though only about 0.7 cents each for other types of bookings, credit one bank mastercard login as hotel stays, car rentals, and cruises.

Transfer to airline and hotel rewards programs

Feeling a little more adventurous? You can take advantage of some tremendous opportunities by transferring American Express Membership Rewards to the program’s 21 airline and hotel partner programs:

Airline partners

  • Aer Lingus AerClub
  • Aeromexico Club Premier (1:1.6)
  • Air Canada Aeroplan
  • Air France/KLM Flying Blue
  • Alitalia MilleMiglia
  • All Nippon Airways (ANA) Mileage Club
  • Avianca LifeMiles
  • British Airways Executive Club
  • Cathay Pacific Asia Miles
  • Delta SkyMiles
  • Emirates Skywards
  • Etihad Airways Guest Program
  • Hawaiian Airlines HawaiianMiles
  • Iberia Plus
  • JetBlue True Blue (1:0.8)
  • Qantas Frequent Flyer
  • Singapore Airlines KrisFlyer
  • Virgin Atlantic Flying Club

Hotel partners

  • Choice Privileges Rewards
  • Hilton Honors (1:2)
  • Marriott Bonvoy

There are several excellent options on this list. Without getting granular, here are a couple of specific ways your Amex points can score you outsized travel rewards.

You could transfer Amex points to British Airways Avios and then redeem them for flights on either American Airlines or Alaska Airlines. Due to British Airways’ distance-based redemption chart, you’ll usually need fewer Avios points for otherwise expensive short hops from East Coast hubs to the Caribbean, american express premier rewards gold card vs blue cash preferred from the West Coast to Hawaii than if you were using miles with either of those other carriers’ programs. Avios points are american express premier rewards gold card vs blue cash preferred good for quick but high-priced flights within Australia on Qantas and Asia on Cathay Pacific.

You could convert Amex points into Delta SkyMiles for inexpensive flights on that airline within the United States since it has begun offering flash award sales with prices as low as 2,500 miles each direction. Alternatively, you could transfer  your points into Virgin Atlantic Flying Club for some relatively inexpensive redemptions in Delta One business class from the U.S. to Europe (excluding the U.K.)

Thanks to a quirky award chart, ANA has some ridiculously low-priced awards, including just 88,000 miles round-trip for business class between North America and Europe on Star Alliance partners like United, Lufthansa, and Swiss, which is about half what United MileagePlus would charge you. Want to fly Singapore Airlines’ storied business class to Asia? You’ll need miles with the airline’s own KrisFlyer program to book it, which you can transfer from Amex as well. 

The possibilities for transfers and redemptions are nearly endless. Load green dot moneypak to my card you use your points will depend on the specific plans you’d like to make and the programs that can help you do so.

Redemptions to avoid

Truth be told, you should probably avoid the following options since you get minimal value from them. But if you have a spare pile of Amex points to burn and want to save a little cash, you can redeem them at unattractively low rates for a variety of other things.

  • Statement credits: Want to use points to offset some of your monthly purchases? You can redeem them for statement credits, but only american express premier rewards gold card vs blue cash preferred 0.6 cents per point in value this way.
  • Grubhub and Seamless orders: Likewise, you can use points to pay for orders directly from Grubhub and Seamless, also at a rate of 0.7 cents per point. (Are you getting the idea?)
  • Charitable donations: Via Amex’s JustGiving partnership, you can pay with points for donations to millions of nonprofit organizations. Again, expect 0.7 cents per point in value.
  • Gift cards and online shopping: Through its Go Shopping portal, Amex allows you to redeem points for gift cards and purchases with hundreds of retailers like REI and Walmart. But you usually only get between 0.5 and 1.3 cents per point in value.

If these types of rewards interest you, you’ll generally be better off using a cash-back card whose rewards are intended for that purpose, like the Blue Cash Preferred® Card from American Express.

Maximize your Amex points

At its heart, American Express Membership Rewards is a tcf online digital banking rewards program. So to make the most of your Amex points, redeem them for travel, either directly through Amex (and specifically for flights) or via the program’s many transfer partners. Depending on the airline or hotel to which you transfer points, and the specific redemptions you make, you can reap some incredible values from Amex points. On the earning side, pick the credit card that accumulates the most points on the purchases you tend to make and whose benefits outweigh the annual fee. Even if your habits change over 100 4 f to c, you can always switch to a different Amex card to continue to realize value from the program and its travel rewards.

While the offers mentioned above are accurate at the time of publication, they are subject to change at any time, and may priority one bank brandon ms changed or may no longer be available.

>> Next: 8 Reasons You Should Apply for an Amex Platinum Card Right Now – Including 75,000 Bonus Points

Credit purchases & Start ups">

The ecommerce and small business credit card market is booming, and so is competition in the market. With so many choices in the market, it has become very difficult for users to choose the best deal for their business.  So which credit card will you apply for business in 2022? This article looks at how we can narrow down the list of the best business credit cards and outline the top 10 business credit cards in 2022.

Introduction: Why Does a Business owner Need a Credit Card?

A credit card is a convenient and flexible way to make payments and get cash. It is essential for any business because it is the only product that offers a range of benefits specifically designed for businesses. The american express premier rewards gold card vs blue cash preferred credit cards not only offer low-interest rates and no annual fee but also offer rewards, travel benefits, customer service and fraud protection.

Banks offer credit cards to their customers with different features and terms. These credit cards are made for both individuals and businesses. Bank-issued credit cards are best for businesses as they offer payment terms appropriate for the business size.

Like banks, credit card companies also provide many offers to attract new customers. If you are looking to apply for a business card, it american express premier rewards gold card vs blue cash preferred important to compare the following important factors:

1) The APR on purchases 

2) The annual fee 

3) The rewards offered 

4) Travel benefits 

5) Any extras like purchase protection or extended warranty

Top 10 Credit Cards for business In 2022 

1. American Express Blue Business Cash Card 

American Express Blue Business Cash Card is a charge card designed for business users who want to make small to medium-sized purchases.This Amex card has no preset spending limit and allows cardholders to charge up to $50,000 per year. The Card is issued by American Express and can be used at millions of locations that accept American Express and worldwide.

The Blue Business Cash Credit Card from American Express will be a great fit for you if you focus on your business. It is designed especially for your business because it has built-in benefits to help businesses run smoothly.

American Express Blue Business Cash Card has no annual fee, and it comes with other benefits such as a $250 statement credit for purchases on travel booked through American Express Travel Services and a free supplementary Card for employees and family members.

2. Chase Ink Business Cash Credit Card 

Chase Ink Business Cash Credit Card has an excellent rewards program, which is about 5% cash back on all purchases (for example, 5% cash back at office supply stores, 5% cash back on cellular phone, wireless and landline services, 5% cash back on internet, cable, and phone services). 

It is a great card for a sole proprietorship, a small corporation, a partnership, a limited liability company, a professional association, a corporation, a trust, a non-profit, or a small business. It is not a good card for a large corporation or a small corporation owned by a large corporation. 

The Ink Business Cash card is a good card american express premier rewards gold card vs blue cash preferred build your credit if you have a small business. It has a long 0% APR introductory period for balance transfers.

You can redeem the cash back for statement credits, direct deposits, checks, travel, gift cards, and products. Chase Ink Business Cash Credit Card has no annual fee, no foreign transaction fee, and an over-limit fee.

3. The Business Platinum Card from American Express 

The Business Platinum Card from American Express card for business is a great card for businesses that do a lot of traveling and reward themselves for their hard work. 

It has a $450 annual fee, but it comes with a lot of great benefits such as an annual airline allowance of up to $200 for yourself and your travel companions, complimentary hotel upgrades, trip cancellation insurance, roadside assistance, identity theft protection, an airport concierge program, and other great features. 

The Business Platinum Card from American Express card is one of the best cards for business. The reason is that it offers multiple benefits at a very affordable rate. It is a charge card and not a credit card, and hence, it comes with a fixed limit.

This Card is great for someone who travels frequently but can’t necessarily spend a tremendous amount on flights.

4. Delta SkyMiles Gold Business American Express Card 

This is not a credit card for just business. American Express issues the Delta SkyMiles Gold Business American Express Card. The credit limit for this credit card is $1,000. The annual fee for this card is $49. The Card comes with a cash advance fee of $10 or 3% of the cash advance, whichever is greater. The late payment fee is $35. Rewards for this Card are 10 miles per $1 spent on Delta Air Lines. One mile is equal to 1 cent. 

The Delta SkyMiles Gold Business American Express Card is excellent for frequent fliers who travel through Delta Airlines. Business owners will love the generous introductory offer of 30,000 SkyMiles. Plus, cardholders earn 1 mile per $1 spent, which can be redeemed for dozens of air-travel options or redeemed in cash for Delta Sky Club Access.

You can earn up to 10,000 bonus miles on Delta purchases within the first three months of the opening of this Card. But, this bonus mile offer is not available to current cardmembers of any Delta SkyMiles Credit Card from American Express, any co-branded Delta SkyMiles Credit Card from American Express or a Delta SkyMiles Credit Card from Bank of America. 

5. United Business Card 

United Business Card, or UBC, is a type of credit card specifically designed for business owners and executives. It is issued by UBS and benefits up to 50,000 miles (up to 25,000 miles and 25,000 bonus miles for qualified applicants). 

The Card gives you a free credit score and FICO score and access to United Club’s and Star Alliance’s airport lounges around the globe. The United Business Card is a basic business credit card. No annual fee, reasonable processing fees, reasonable rewards for basic usage. 

United Business Card (UBC) can be used at more than 90 locations worldwide. It is accepted at most United MileagePlus® and United Express air and rail travel and car rental locations and most United Club locations. You can use this card at locations that accept the United MileagePlus Explorer Card and Premier Rewards Gold Card.

You can get it by applying through the United Airlines website. Good for basic usage, but if you want to get something better, you can search online for business credit cards. To earn miles, you must charge $20,000 or more per year, each year. If you meet that, you can earn up to 2 miles per $1 spent. UBC is a great product for travelers because you can earn miles for free travel.

6. Capital One Spark Miles for Business 

Capital One Spark Miles for Business card is a great card for any US-based business. It’s a rewards card that earns you 2 miles for every dollar spent. This is a great card for frequent travelers since it gives you a 10% fee credit on all purchases made in a foreign country. There is NO annual fee for this Card.

This Card is one of the best options for individuals looking for a credit card that combines the rewards of travel and business. Business credit cards are preferred by many, as it is a great way to spend their money on business expenses. It is a credit card created for the sake of businessmen and women who have a good credit history and a long track record. Capital One Spark Miles for Business card provides a lot of customer rewards and a few drawbacks. But for a job well done, it does deserve a chance.

Going for a small business card with no annual fee is better, such as a Barclay card for a small business.

7. Chase Sapphire Preferred Card 

A Chase Sapphire Preferred is a good card for business but not a travel rewards card. If you’re looking for a travel rewards card for business, you should consider Chase Sapphire Reserve. It offers 3x cashback on travel and dining and 1x on all other purchases. Feel free to check my review on this awesome Card too. You may consider the Bank of America Business Advantage Cash Rewards Mastercard if you want a business card. 

This Card has up to 3% cashback. But I would recommend you hold your business spending in your business checking account to use the cash back credit cards. You can get a cash advance, travel insurance, purchase protection, and an extended warranty on all your purchases. Chase Sapphire Preferred business card also gives you a chance of winning two million rewards points each year. Holding your business spending in your account will generate extra interest, which will eat up your cash back, the next time you have to pay off your balance.

8. Citi Simplicity Card 

The Citi Simplicity Card for Business offers greater flexibility for business owners to use their cards for business expenses. You can receive 0% intro APR on both purchases and balance transfers for the first 12 months, after which the APR will be 14.99% – 22.99% (Variable). It also offers unlimited access to your FICO score, which is free to all Citi card members.

The Card has a cash back feature that awards a percentage of the purchases made on the Card. This percentage is then deposited into a separate savings account that is linked to the credit card. It also can be used as a credit card for small business owners. Citi Simplicity Business credit card is the best choice for small business owners. There are no annual fees. The balance can be transferred to any other Citi Simplicity credit card.

In conclusion, the Citi Simplicity Card for business is a good, no-interest credit card with no annual fee for the first year. It is designed for people who like to pay off the balance every month.

9. The Plum Card from American Express 

The Plum American express premier rewards gold card vs blue cash preferred from American Express is a business charge card, so it is not free. The Plum Card is the newest charge card from American Express, which grants you access to various perks, including free shipping on thousands of items, exclusive shopping discounts, savings on travel, and also helps you save money. It is free to apply for The Plum Card, and if approved, you will receive the Card in 7-10 days. Upon approval, you will receive your Card in 7-10 days. There are no annual fees for this card.

The plum card is aimed at people who are just getting started with their business. Therefore, it can be an excellent way to start building credit for your business, as it is relatively easy to get approved. When you spend $3,000 in the first three months of opening your account, you will receive 15,000 Membership Rewards points. If you spend $15,000 within the first three months, you will receive an additional 30,000 Membership Rewards points.

10. Brex Card 

Brex is a business credit card that can be used to make online payments. Customers load money in their accounts and pay the merchants by simply swiping their credit nwcu bend business receives money instantly from its bank account. Brex can also be used to accept credit card payments through the mobile app. Brex card is ideal for businesses in the service and repair sector, small and medium-size online stores and take-away and delivery-based food shops. 

It’s a neat way to keep track of all your expenses and keep your business and personal funds separate. But it’s not the cheapest Card on the market. You would be better off looking at other business card offerings. It can be used for small and medium businesses in any sector since it does not require a minimum sales volume to take advantage of the cashback offers and cash withdrawal services.


The credit card industry is alive and well. New credit card products are being introduced to consumers looking for more than just a simple credit card, with innovations popping up.  Consumers are looking for rewards, cashback, and more. We hope that you enjoyed our article about the ten best credit cards for businesses in 2022. 


‘Level Up’ Your Understanding of Amex Card Levels

If earning points isn’t for you – or you want to expand the ways you can earn Credit Card benefits – American Express offers three Cards that earn you cash back on all eligible purchases. Instead nsb bot discount code earning points that you can then redeem for bank of america street address number of options, cash back can be redeemed for statement credits – effectively earning you a discount on every purchase. Each Card has different potential bonus categories, outlined below, so you can find the right cash back Card to match your spending habits.

What’s more, all three Cards – Cash Magnet, Blue Cash Everyday, and Blue Cash Preferred – allow new Card Members to enjoy $0 introductory Plan It® fees10,11,12 for plans set up during the first 12–15 months of Card Membership, depending on the Card. Plan It by American Express lets you make purchases of $100 or more on the What is a trust company and us bank cash plus signature card them into fixed monthly installments. For each plan created after the introductory period ends, you’ll pay a fixed monthly Plan It fee, disclosed up front. Your plan fee will be up to 1.33% of each purchase moved into a plan, with the exact percentage determined by the plan duration, the APR that would otherwise apply to the purchase, and other factors. In other words, you’ll pay a fixed monthly Plan It fee for each new plan you create – instead of the annual percentage rate (APR) you’d typically pay when carrying a balance on your Card. Any purchases not included in a Plan will be subject to interest charges if the remaining monthly statement balance is not paid off on or before the payment due date.

Cash Magnet Card. Perhaps the most straightforward of American Express’ cash back Cards is the Cash Magnet, with unlimited 1.5% cash back on all eligible purchases. There’s no annual fee,10 and you can get a 0% intro APR on purchases for the first 15 months of Card Membership, then a variable APR of 13.99% to 23.99%.10

Consider the Cash Magnet Card if: you want to earn rewards in the form of cash back instead of points, you like simplicity, don’t want to pay an annual fee, and may benefit from the 0% intro APR.10


Blue Cash Everyday Card. This is a tiered Card for those who want to earn more cash back in specific spending categories, namely:

  • 3% cash back at supermarkets on up to $6,000 a year in eligible purchases.
  • 2% cash back at gas stations and select department stores.
  • 1% cash back on all other eligible purchases.

It’s almost like the cash back version of Amex EveryDay Preferred, but there’s no annual fee.11 This Card also offers a 0% introductory APR on purchases for the first 15 months, then a variable APR of 13.99% to 23.99%.11

Consider the Blue Cash Everyday Card if: you want a no-annual-fee grocery and gas rewards Card that earns you cash back instead of points, and you may benefit from the 0% intro APR.11

Blue Cash Preferred Card. Blue Cash Preferred offers cash back opportunities on additional spending categories like streaming subscriptions and transit. With the Card’s $95 annual fee12 come a variety of reward opportunities that can be especially valuable for families and those who use a lot of streaming services, tend to cook at home, value wellness, or even commute to work. For example, with this Card you can get:

  • A $120 Equinox+ Credit to use toward Equinox+, a premium fitness streaming service with immersive workouts, including yoga, meditation, spin, strength training, and cardio classes.13 In other words, you can automatically receive a $10 statement credit every month – up to $120 annually – after paying for your monthly Equinox+ membership fees using your Card at Enrollment is required.
  • 6% cash back at grocery stores on up to $6,000 a year in eligible purchases.
  • 6% cash back on select streaming subscriptions.
  • 3% cash back on transit.
  • 3% cash back on gas stations.
  • 1% cash back on all american express premier rewards gold card vs blue cash preferred eligible purchases.

Blue Cash Preferred also offers a 0% intro APR on purchases for the first 12 months of Card Membership, followed by a variable APR of 13.99% to 23.99%.12

Consider the Blue Cash Preferred Card if: you tend to spend a lot at grocery stores and gas stations, love your streaming services, and may benefit from its 0% intro APR.12


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