My picks for the most valuable credit card welcome bonuses available right now, and how to earn them without overspending.
Business Card Perks
The Business Platinum Card® from American Express
As High As 300,000 points
Business Card Perks
- Earn 2x on purchases of $5,000 or more in a single transaction on up to $2MM per calendar year
- Redeem Points For Over 1.5 Cents Each Towards Airfare
- Amex Centurion Lounge Access
In general, I would say that the Amex Business Platinum Card is a business card that you get in the long run for the benefits that it offers, rather than for the return on spending that it directly offers.
It could make sense to spend money on the card if your business consistently makes $5,000+ purchases, other than that, there are better cards for everyday spending.
The card offers big benefits but also has a steep annual fee.
When it comes to accounting for the value of the card, I recommend considering the following:
- How much do you value the various credits?
- How much do you value the various hotel and rental car elite status?
- How much value will you get from Amex Fine Hotels + Resorts® and the International Airline Program?
- How much do you value the incredible lounge access perks offered by the card?
2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
5X points on flights and prepaid hotels on AmexTravel.com
1X points on other eligible purchases
Foreign Transaction Fee:
None
Annual Fee:
$895
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 01/2026.
- See how you can unlock over $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
- Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
- Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- Use the Business Platinum Card and get up to $219 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
- Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
- Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
- Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
- Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
- Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That's up to $360 back per year. Enrollment required.
- Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That's up to $120 back per year. Enrollment required.
- 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- 5X points on flights and prepaid hotels on AmexTravel.com
- 1X points on other eligible purchases
- Terms Apply.
As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.
American Express® Business Gold Card
As High As 200,000 points
- Access to Amex Offers
- Redeem Amex Points Towards Airfare
Earning 4X Membership Rewards® for small business expenses is an awesome return, and we especially like that it automatically applies to the two categories you use most in a billing cycle, rather than having to choose just one or two each year.
Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com or the Amex Travel App™ using your Business Gold Card.*
Learn more from these OMAAT posts:
Foreign Transaction Fee:
None
Annual Fee:
$375
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx (through 10/01/2026), Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
- Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Gold Card. *Subject to auto-renewal.
- Enroll and get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace. Subscription purchases subject to auto-renewal.
- Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™.
- The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
- Terms Apply
As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Premium Card
Sapphire Reserve for Business℠
Earn 200,000 bonus points
Premium Card
- Earn 4x points on flights booked direct
- Earn 4x points on hotel booked direct
- $300 Travel Credit
The Sapphire Reserve for Business is Chase's premium business card, built on the basics of the personal Sapphire Reserve, with a largely similar set of perks. The rewards structure is strong, with 8x points on Chase Travel℠ bookings, 4x points on direct flight and hotel purchases, and 3x points on social media and search engine advertising (on up to $1 million in spend each anniversary year, starting 11/15/26), making it a natural fit for businesses that spend heavily in those categories. Authorized users can be added at no additional annual fee, though they don't receive lounge access, which is reserved for the primary cardmember. It's best for business owners who value lounge access, can maximize the travel credit and other credits, and want a strong earning card that keeps Ultimate Rewards points flowing alongside their personal Chase cards.
Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
Earn 5x total points on Lyft rides through 9/30/27.
Earn 4x points on flights & hotels booked direct.
Earn 3x points on social media & search engine advertising on up to $1 million in spend each anniversary year, starting 11/15/26.
Foreign Transaction Fee:
$0
Annual Fee:
$795
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.
- $7,000+ in value your first year. 200K points, valued at $4,000 for select flights and hotels through Chase Travel℠, plus $3,000+ in annual value through travel and business benefits.
- Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
- Earn 5x total points on Lyft rides through 9/30/27.
- Earn 4x points on flights & hotels booked direct.
- Earn 3x points on social media & search engine advertising on up to $1 million in spend each anniversary year, starting 11/15/26.
- Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
- Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
- Member FDIC
Earn
200,000
Chase Ultimate Rewards
Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.
Best Bonus
Ink Business Preferred® Credit Card
Earn 100k bonus points
Best Bonus
- Earn 3x points on travel with the first $150k in combined purchases
- Earn 3x points on shipping purchases with the first $150k in combined purchases
- Cell Phone Protection
The Ink Business Preferred Card is the single most well-rounded business credit card out there, in my opinion. The card offers one of the biggest sign-up bonus of any credit card, it offers incredible 3x points categories for common spending categories for businesses, and it offers amazing protection, ranging from car rental damage to cell phone protection.
While I’d say this card isn’t worth it for someone strictly looking for cash back, otherwise you simply can’t go wrong with this card, in my opinion.
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
Select business categories include:
- Shipping purchases
- Internet, cable and phone services
- Advertising purchases with social media sites and search engines
Learn more from these OMAAT posts:
Foreign Transaction Fee:
$0
Annual Fee:
$95
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Earn 5x total points on Lyft rides through 9/30/27.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Receive complimentary access to DashPass by DoorDash.
- Member FDIC
Earn
100,000
Chase Ultimate Rewards
Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Admirals Club Access
Citi® / AAdvantage® Executive World Legend Mastercard®
Limited Time: Earn 125,000 miles after qualifying purchases
Admirals Club Access
- Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases
- Admirals Club Membership
- No Foreign Transaction Fees
The Citi AAdvantage Executive Card is the best card for lounge access if you’re a frequent flyer on American. I’ve had the Citi AAdvantage Executive Card for years, and love it. To me the long term value proposition is still there with the card.
Earn 4 AAdvantage® miles for every $1 spent on eligible American Airlines purchases. After you spend $150,000 in purchases in a calendar year, earn a total of 5 AAdvantage® miles for every $1 spent on eligible American Airlines purchases for the remainder of the year
Earn 12 AAdvantage® miles for every $1 spent on eligible AAdvantage Hotels® bookings and eligible AAdvantage Cars® bookings
Earn 1 AAdvantage® mile for every $1 spent on all other purchases
Foreign Transaction Fee:
0%
Annual Fee:
$695
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- For a limited time, earn 125,000 American Airlines AAdvantage® bonus miles after $15,000 in purchases in the first 5 months of account opening.
- The only card with Admirals Club® membership. Membership includes access for you and up to two guests or immediate family members traveling with you.
- Global Entry® or TSA PreCheck® application fee credit of up to $120 every 4 years.
- Earn a 10,000 Loyalty Point bonus after reaching 50,000, 90,000, 165,000 and 240,000 Loyalty Points in the same status qualification year.
- First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation.
Earn
125,000
AAdvantage miles
For a limited time, earn 125,000 American Airlines AAdvantage® bonus miles after $15,000 in purchases in the first 5 months of account opening.
Premium Card
Chase Sapphire Reserve®
Earn 100,000 bonus points
Premium Card
- 4x points on flights and hotels booked direct
- 3x points on Dining
- $300 Annual Travel Credit
The Chase Sapphire Reserve is one of the most popular premium travel cards on the market, offering a strong rewards structure with 8x points on Chase Travel℠ bookings, 4x points on direct flight and hotel purchases, and 3x points on dining. The lounge access perks are a standout, with a Priority Pass Select membership, access to Chase Sapphire Lounges, and access to select Air Canada Maple Leaf Lounges. While the annual fee is steep, the annual travel credit is easy to use and helps justify the cost, and there are hundreds more in additional credits for dining, entertainment, DoorDash, and more.
It's best for frequent travelers who value lounge access, can maximize the various credits, and want a strong earning card for travel and dining spending.
Chase Sapphire Reserve Review →
Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
Foreign Transaction Fee:
$0
Annual Fee:
$795
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
- Get $3,000 in annual value with Sapphire Reserve.
- Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
- $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
- Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
- Get complimentary subscriptions to Apple TV and Apple Music for a minimum of one year when activated by June 22, 2027, a value of $288 annually.
- Member FDIC
Earn
100000
Chase Ultimate Rewards
Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
Starter Card
Chase Sapphire Preferred® Card
Earn 75,000 bonus points
Starter Card
- 5x total points on travel purchased through Chase Travel℠
- 3x points on dining
- 2x points on travel purchases
The Chase Sapphire Preferred has been around for more than a decade, and continues to be one of the most well-rounded credit cards for beginners and those looking for travel rewards. It offers generous rewards on dining and travel, great customer service, and some other useful perks like an annual hotel credit.
Chase Sapphire Preferred review →
- 5x on travel purchased through Chase Travel℠
- 3x on dining
- 3x on vacation homes
- 3x on gas & EV charging
- 3x on top streaming services
- 3x on online groceries (excluding Walmart, Target, and wholesale clubs)
- 2x on all other travel purchases
- 1x on all other purchases
Foreign Transaction Fee:
$0
Annual Fee:
$95
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, 3x on vacation homes, 3x on gas & EV charging, 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs), 2x on all other travel purchases, 1x on all other purchases
- Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Emergency Evacuation and Transportation and more
- Get a year of complimentary Apple TV when activated by December 31, 2026 - a value of $156.
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for 12 months when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
- Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck® or NEXUS application.
- Transfer points to leading airline and hotel loyalty programs
- Member FDIC
Earn
75,000
Chase Ultimate Rewards
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Capital One Venture Business
Earn 100,000 bonus miles
- Earn unlimited 2X miles on every purchase for your business
- No Foreign Transaction Fees
- Capital One Business Travel
The Capital One Venture Business is a straightforward and rewarding card. It has a great welcome bonus of 100,000 miles, and it offers a minimum of 2x miles on all purchases, making it a great card for everyday spending. The card also offers up to $100 in credits annually, including a $50 travel credit through Capital One Business Travel, and up to $50 in credits on purchases at qualifying advertising or software merchants. This is a great card for anyone who wants a lucrative card for everyday spending with a reasonable annual fee.
Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel
Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account
Learn more from these OMAAT posts:
Foreign Transaction Fee:
N/A
Annual Fee:
$95
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn a one-time welcome bonus of 100,000 miles once you spend $10,000 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Receive up to $220 in credits: Receive an annual $50 travel credit for bookings through Capital One Business Travel, up to an annual $50 statement credit for purchases at qualifying advertising or software merchants, plus up to a $120 credit for Global Entry or TSA PreCheck® every four years. Terms and conditions apply
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- $95 annual fee
- Free employee cards which also earn unlimited 2X miles from their purchases
- Top rated mobile app
Earn
100,000
Capital One miles
Earn a one-time welcome bonus of 100,000 miles once you spend $10,000 on purchases within the first 3 months from account opening
Airline
Atmos™ Rewards Summit Visa Infinite® credit card
Limited-time online offer – 70,000 bonus points
Airline
- 3 points per dollar spent on eligible Alaska Airlines & Hawaiian Airlines purchases
- Earn a Companion Award
- Free Checked Bag Benefit
The Atmos Summit Card is largely a no-brainer for anyone who flies Alaska or Hawaiian with any frequency, values elite status, or redeems Atmos Rewards points regularly. It offers the strongest rewards structure of any card in the lineup, with 3x points on foreign purchases, dining, and Alaska/Hawaiian purchases, plus the fastest card-based path to elite status. The annual 25,000-point Global Companion Award, issued every year just for holding the card, can nearly justify the annual fee on its own.
It's best for points maximizers and Alaska loyalists who want upgrade priority, lounge access, and the tools to earn and redeem at the highest level.
Atmos Summit Card Review →
Earn unlimited 3 points for every $1 spent on eligible dining, foreign transaction, Alaska Airlines and Hawaiian Airlines purchases and unlimited 1 point per $1 spent on all other purchases. Plus, earn a 10% rewards bonus on all points earned from card purchases if you have an eligible Bank of America® account.
Learn more from these OMAAT posts:
Foreign Transaction Fee:
N/A
Annual Fee:
$395
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Limited-time online offer – 70,000 bonus points.
- Get 70,000 bonus points and a 25,000-point Global Companion Award with this offer. To qualify, spend $3,000 or more on purchases within the first 90 days of opening your account.
- Each account anniversary, get a 25,000-point Global Companion Award for a travel companion on the same itinerary, when booking travel using your Atmos™ Rewards points.
- Additionally, receive a 100,000-point Global Companion Award annually after spending $60,000 or more on purchases each anniversary year.
- Receive 8 Alaska Lounge passes and 8 Wi-Fi passes every year (2 of each per calendar quarter).
- Earn unlimited 3 points for every $1 spent on eligible dining, foreign transaction, Alaska Airlines and Hawaiian Airlines purchases and unlimited 1 point for every $1 spent on all other purchases. Plus, earn a 10% rewards bonus on all points earned from card purchases if you have an eligible Bank of America® account.
- Get 10,000 status points every year on your account anniversary and earn 1 status point for every $2 spent on purchases.
- Save up to $90 per person round-trip with a free checked bag and preferred boarding for you and up to six guests on the same reservation when you pay for your flight with your card.
- Receive an airport security statement credit up to $120 every four years in connection with the TSA PreCheck® or Global Entry trusted traveler programs.
- Receive a $50 voucher for Alaska Airlines flight cancellations or departure delays of 2 hours+.
- Plus, no foreign transaction fees and a competitive $395 annual fee.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Earn
70,000
points
Limited-time online offer – 70,000 bonus points.
Get 70,000 bonus points and a 25,000-point Global Companion Award with this offer. To qualify, spend $3,000 or more on purchases within the first 90 days of opening your account.
Membership is free and takes no more information than commenting as a guest. Earn status points for good contributions, and see fewer ads as your status grows.
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