My Top 3 Business Credit Cards
Here is a list of our “must-have credit cards” for Credit hacking. These cards earn great points in the best reward ecosystems that can transfer to our favorite airlines & hotel partners. Diversifying with different banks is important to give you redemption options when you travel.
With these 5 cards, I have earned over 2 Million miles & Points, and redeemed them for over $50,000 worth of travel!
Here is my list of favorite cards!
Our Overall Favorite
CHASE SAPPHIRE PREFFERED
Earn 60,000 Ultimate Rewards® points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠.
Welcome Offer:
Credit Card
60,000 POINTS
Annual Fee:
$95
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No foreign transaction fees
$15 per quarter statement credit for Instacart
Needed for amazing transfer options to Hyatt, United, Southwest, and more
Enjoy benefits such as earning 5x on travel booked through Chase Travel℠, 3x on dining, select streaming services, and online groceries, 2x on all other travel purchases, 1x on all other purchases, and enjoy a $50 annual Hotel Credit, among other benefits.
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The Chase Sapphire Preferred® Card ranks high among my recommended beginner cards for miles & points. With its current limited-time bonus, you can secure at least $1000 worth of travel. Additionally, its top-tier travel insurance coverage adds further value. Acquiring this card early in your journey with travel points is a wise decision—it's a keeper.
Even after being introduced over ten years ago, it remains among the top-rated rewards credit cards. With its ability to accumulate highly valuable points and adaptability to cater to both frequent and novice travelers, it stands out. As long as you utilize the card regularly enough to extract more than $95 in value from it, the annual fee is undoubtedly justified.
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A publicly available online offer for 80,000 points ran from March 2023-May 2023. Another 80,000 point bonus ended in Fall 2022. Standard bonus is 60,000 points.
Additionally, an offer for 100,000 points ended in Fall 2021.
Favorite Perks Card
CAPITAL ONE® VENTURE X REWARDS
Credit Card
Welcome Offer:
75,000 MILES
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Annual Fee:
$395
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The Venture X card offers straightforward rewards, excellent lounge access, and overall great value, making it highly appealing to travelers seeking a premium rewards card. It also provides numerous hidden perks, such as Visa Infinite benefits covering trip, luggage, car rental, and purchase protections. With additional advantages like a growing airport lounge network, free supplementary cardholders, Capital One's transfer partners, and a luxury hotel program, the Venture X card is almost a must-have for many.
$300 annual travel credit when booking through Capital One’s portal
Receive 10,000 points every year on account anniversary (equivalent to at least $100)
Statement credit for Global Entry or TSA Precheck
Convenient airport lounge access for your entire family
Miles can be redeemed to offset any travel purchase. For example, 75,000 miles = $750
Most valuable when miles are trasnferablp to partners including Virgin Red, British Airways, Jet Blue, Wyndham, Avianca, Turkish Airways, and more.
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When we have big expenses, we prefer using Chase Ink cards to meet spending targets. Though the bonus is labeled as cash back, if you have a Chase Sapphire Preferred® Card, you can combine these points with your Sapphire card. However, this isn't an option if you have a Chase Ink Business Premier℠ Credit Card.n text goes here
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Upon its launch in November 2021, this card featured a bonus of 100,000 miles (requiring a $10,000 spend over 6 months). From March 2022 onward, it maintained the same 75,000 mile bonus offer. However, starting October 6, 2023, a new exclusive offer of 90,000 miles became available through specific referral links, which concluded in early December 2023.
Favorite Dining Card
AMERICAN EXPRESS GOLD CARD
Credit Card
Welcome Offer:
Earn 60,000 points after you spend $6,000 on eligible purchases with your new Card within the first 6 months.
Annual Fee:
$250
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4 points per dollar on dining at restaurants (including takeout and delivery in the U.S.)
4 points per dollar on up to $25,000 in purchases at U.S. supermarkets per calendar year (then 1 point per dollar)
3 points per dollar on flights booked directly from the airline or through Amex Travel
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The Amex Gold card isn't just a pretty card, Its impressive earning rates at restaurants and U.S. supermarkets make it an excellent choice for virtually all food purchases. Plus, the up to $120 in annual statement credits on dining and up to $120 annually in Uber cash further enhance its value, easily justifying the $250 annual fee. For food enthusiasts, this card is a priceless asset.
American Express (Amex) Membership Rewards points hold significant value due to their versatility. They can be exchanged for various rewards such as travel, gift cards, and statement credits. The highest value is often achieved when transferring points to Amex travel partners, comprising 21 airlines and hotels.
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Favorite Card for Rent & Mortgage
Annual Fee:
Turn Rent into Travel Rewards. Its the only loyalty program that rewards you for paying rent — no matter where you live.
$0
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1X POINTS ON RENT PAYMENTS WITHOUT THE TRANSACTION FEE UP TO 100,000 POINTS EACH CALENDAR YEAR
2X POINTS ON TRAVEL1
3X POINTS ON DINING1
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The Bilt Mastercard stands out with its unique rewards program tailored for renters, offering monthly points without transaction fees and no annual fee. It provides insurance protections, diverse redemption options, and quality travel transfer partners.
Drawbacks include the requirement of five monthly purchases to qualify for points and the absence of a welcome bonus. While not ideal for every purchase category, it could complement a diverse points and miles strategy, particularly for renters.
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None
BILT REWARDS
Credit Card
Welcome Offer: