Best Visa Credit Cards in the US

All Travel Business Hotel Airline No Annual Fee Premium Cash Back

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Chase Sapphire Preferred® Card

ChaseChase Ultimate Rewards

Annual fee: $95
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,537Total$1,537Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,537
Welcome offerAfter $5,000 in 3 months: 75,000 points

Features
Issuer: Chase
Network
Program: Chase Ultimate Rewards

Fees and terms
Annual Fee: $95/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

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, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.
Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠.
10% anniversary points boost – each account anniversary you’ll earn bonus points equal to 10% of your total purchases made the previous year.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
Member FDIC

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Rewards: Rate
Restaurants: 3x
Streaming: 3x
Gas & EV: 3x
Travel: 2x

Benefits
NEXUS: $120

Travel insurance: Coverage
Trip Cancellation: $10,000
Trip Interruption: $10,000
Delayed Baggage: $500
Lost Baggage: $3,000
Flight Delay: $500
Travel Accident: $500,000

Purchase protection: Coverage
Purchase Protection: $500 · 120 days
Extended Warranty: +1 year
Auto Rental Collision (primary): $60,000 · 31 days

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Pros

Welcome bonus of 75,000 points
3x at restaurants

Cons

Fewer premium perks

Unlock Travel Rewards with the Chase Sapphire Preferred^® Credit Card

75,000 bonus points after spending $5,000 in the first 3 months
5X points on travel booked through Chase Travel℠
3X points on dining, select streaming services and online grocery purchases
2X points on all other travel
1X point on all other purchases
$50 annual hotel credit through Chase Travel℠
10% anniversary points boost on prior year’s spend
No foreign transaction fees
$95 annual fee

Make every trip count with flexible redemption options—transfer points 1:1 to top airline and hotel partners or boost their value when booking through Chase. Enjoy built‑in travel protections like trip cancellation/interruption insurance, primary rental car coverage and lost luggage reimbursement, plus seamless account management via the Chase mobile app. Whether you’re a frequent flyer or planning your next getaway, the Chase Sapphire Preferred^® delivers premium perks at an approachable price.

Terms apply. Bonus offer requires minimum spend. Annual fee applies. See Chase for full details.

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Capital One Venture X Rewards

Capital One Capital One Miles

Annual fee: $395
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,388Total$1,388Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,388
Welcome offerAfter $4,000 in 3 months: 75,000 points

Features
Issuer: Capital One
Network
Program: Capital One Miles

Fees and terms
Annual Fee: $395/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

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
Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
Earn unlimited 2X miles on all other purchases
Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge locations and Priority Pass lounges, after enrollment
Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more-you can even transfer your miles to your choice of 15+ travel loyalty programs
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
Receive up to a $120 credit for Global Entry or TSA PreCheck

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Benefits
Airport lounges: Included
NEXUS: Included
Annual credit: $300/yr
Concierge: Included

Travel insurance: Coverage
Trip Cancellation: $2,000
Trip Interruption: $2,000
Lost Baggage: $3,000
Flight Delay: $500
Travel Accident: $1,000,000

Purchase protection: Coverage
Purchase Protection: $10,000 · 90 days
Extended Warranty: +1 year
Mobile Device: $800
Auto Rental Collision (primary): $75,000 · 15 days

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Pros

Welcome bonus of 75,000 points
2x on groceries
2x at restaurants

Cons

High annual fee ($395)

Elevate Your Travel at a Value: Capital One Venture X Rewards Credit Card

10X miles on hotels & rental cars booked through Capital One Travel
5X miles on flights & vacation rentals through Capital One Travel
2X miles on all other purchases
$395 annual fee, with up to $300 annual travel credit for portal bookings
10,000 anniversary bonus miles (worth $100) each year
Global Entry/TSA PreCheck credit up to $100 every four years
Unlimited lounge access at Capital One & Priority Pass lounges
No foreign transaction fees

Perfect for frequent explorers, this card’s robust benefits—from statement credits to lounge access—easily offset its annual fee. Book your next adventure, relax in premium lounges and enjoy seamless digital tools, all while earning unlimited rewards on every dollar spent.

Terms apply. See issuer’s website for rates, fees and complete details.

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Ink Business Premier® Credit Card

BusinessChaseCash Back

Annual fee: $195
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,000Total$1,000Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,000
Welcome offerAfter $10,000 in 3 months: $1,000

Features
Issuer: Chase
Network
Program: Cash Back

Fees and terms
Annual Fee: $195/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
Unlimited 5% total cash back on travel purchased through Chase TravelSM.
No Foreign Transaction Fees & includes Trip Cancellation/Trip Interruption Insurance.
Only business credit card with 2.5% cash back on every purchase of $5,000+.
Pay In Full each month but Flex for Business feature lets qualifying purchases be paid over time with interest.
Fraud Protection, Zero Liability, Purchase Protection, Cell Phone Protection, Extended Warranty Protection.
Employee cards at no additional cost (monitor spend with digital tools).
Member FDIC

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Travel insurance: Coverage
Trip Cancellation: $5,000
Trip Interruption: $5,000
Delayed Baggage: $500
Lost Baggage: $3,000
Flight Delay: $500
Travel Accident: $500,000

Purchase protection: Coverage
Purchase Protection: $10,000 · 120 days
Extended Warranty: +1 year
Mobile Device: $1,000
Auto Rental Collision (secondary, primary for business rentals, primary abroad): $60,000 · 31 days

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Pros

Welcome bonus of $1,000
2x on groceries
2x at restaurants

Cons

High annual fee ($195)

Maximize Big‑Ticket Spend with the Chase Ink Business Premier^® Card

$1,000 bonus cash back when you spend $10,000 on purchases in your first 3 months
2.5% cash back on every purchase of $5,000 or more
2% cash back on all other business purchases
5% cash back on travel booked through Chase Travel℠
$195 annual fee
No foreign transaction fees
Flex for Business^® lets you pay qualified purchases of $500+ over time
Built‑in protections: trip cancellation/interruption, baggage delay, purchase, cell phone and fraud protection
Employee cards at no additional cost with spend controls & real‑time alerts

Ideal for businesses with large recurring expenses, this card delivers enhanced cash back on big purchases and valuable travel rewards—easily offsetting its annual fee. Manage everything in one intuitive dashboard, enjoy flexible payment options for qualifying charges and protect your purchases with comprehensive coverage.

Terms apply. Approval subject to creditworthiness. See issuer for full details.

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Ink Business Unlimited® Credit Card

BusinessChaseCash Back

Annual fee: $0
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$750Total$750Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $750
Welcome offerAfter $6,000 in 3 months: $750

Features
Issuer: Chase
Network
Program: Cash Back

Fees and terms
Annual Fee: $0
Min. annual income: —

Interest rates
Foreign transaction fee: 3 %

Issuer terms

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Earn unlimited 1.5% cash back on every purchase made for your business
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
0% introductory APR for 12 months on purchases
Earn 5% total cash back on Lyft rides through 9/30/27.
Member FDIC

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Travel insurance: Coverage
Delayed Baggage: $300
Lost Baggage: $3,000
Travel Accident: $500,000

Purchase protection: Coverage
Purchase Protection: $10,000 · 120 days
Extended Warranty: +1 year
Auto Rental Collision (secondary, primary for business rentals, primary abroad): $60,000 · 31 days

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Pros

No annual fee
Welcome bonus of $750

Cons

Fewer premium perks

Power Your Business with the Chase Ink Business Unlimited℠ Credit Card

$750 bonus cash back after spending $6,000 on purchases within the first 3 months of account opening
1.5% unlimited cash back on every purchase, with no caps or category tracking
0% intro APR on purchases for 12 months to finance big expenses interest‑free
No annual fee and free employee cards with customizable spending limits
3% foreign transaction fee on purchases made abroad

Whether you’re stocking inventory, paying vendors or covering travel costs, earn a flat 1.5% back on every dollar without the hassle of bonus categories. Enjoy a generous welcome offer, a long 0% APR period to smooth out cash flow, and seamless account management in the Chase Mobile^® app. Combine your cash back with other Chase business cards to boost your rewards earning even further.

Terms apply. Bonus cash back awarded after meeting the spend requirement. Regular APR applies after intro period. See issuer’s site for full details.

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Sapphire Reserve for Business℠

BusinessChaseChase Ultimate Rewards

Annual fee: $795
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$4,100Annual credit$300Total$4,400Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $4,400
Welcome offerAfter $30,000 in 6 months: 200,000 points

Features
Issuer: Chase
Network
Program: Chase Ultimate Rewards

Fees and terms
Annual Fee: $795/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.
$6,500+ in value your first year. 200K points, valued at $4,000 for select flights and hotels through Chase Travel^SM, plus $2,500+ in annual value through travel and business benefits.
Earn 8x points on Chase Travel^SM for airline tickets, hotels, including The Edit^SM, 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.
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^TMSelect membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
Member FDIC

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Rewards: Rate
Travel: 4x

Benefits
Airport lounges: Included
NEXUS: $120
Annual credit: $300/yr
Concierge: Included

Travel insurance: Coverage
Travel Medical: ✓
Trip Cancellation: $10,000
Trip Interruption: $10,000
Delayed Baggage: $500
Lost Baggage: $3,000
Flight Delay: $500
Travel Accident: $1,000,000

Purchase protection: Coverage
Purchase Protection: $10,000 · 120 days
Extended Warranty: +1 year
Mobile Device: $1,000
Auto Rental Collision (secondary, primary for business rentals, primary abroad): $75,000 · 31 days

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Pros

Welcome bonus of 200,000 points

Cons

High annual fee ($795)

Elevate Your Business Travel with the Chase Sapphire Reserve for Business℠

200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening
8x points on Chase Travel℠ for airline tickets, hotels including The Edit℠, car rentals, cruises, activities and tours
5x total points on Lyft rides through 9/30/27
4x points on flights & hotels booked direct
3x points on social media & search engine advertising
1x point on all other purchases
Up to $300 in statement credits each anniversary year on travel purchases
Chase Sapphire Lounge® by The Club and Priority Pass™ Select — two guests may accompany the Primary Cardmember free of charge
$795 annual fee

Access more than $7,000 in total business and travel value in 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.

Terms apply. See issuer for complete details and eligibility.

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Capital One Venture X Business

Business Capital One Capital One Miles

Annual fee: $395
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$2,775Total$2,775Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $2,775
Welcome offerAfter $30,000 in 3 months: 150,000 points

Features
Issuer: Capital One
Network
Program: Capital One Miles

Fees and terms
Annual Fee: $395/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
Earn unlimited 2X miles on every purchase, everywhere-with no limits or category restrictions
Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One’s travel booking site
With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
Every year, you’ll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One’s travel booking site
Receive up to a $120 credit for Global Entry or TSA PreCheck. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and Priority Pass lounges, after enrollment
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
This is a pay-in-full card, so your balance is due in full every month

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Benefits
Airport lounges: Included
NEXUS: $120
Annual credit: $300/yr
Concierge: Included

Travel insurance: Coverage
Travel Medical: ✓
Trip Cancellation: $1,500
Trip Interruption: $1,500
Delayed Baggage: $300
Lost Baggage: $1,500
Travel Accident: $1,000,000

Purchase protection: Coverage
Purchase Protection: $10,000 · 90 days
Extended Warranty: +1 year
Mobile Device: $800
Auto Rental Collision (secondary, primary for business rentals, primary abroad): 31 days
Price protection: ✓

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Pros

Welcome bonus of 150,000 points
2x on groceries
2x at restaurants

Cons

High annual fee ($395)

Elevate Your Business Travel with the Capital One Venture X Business Card

150,000 bonus miles after $30,000 in purchases within 3 months
10X miles on hotels and rental cars booked through Capital One Travel
5X miles on flights and vacation rentals booked through Capital One Travel
2X miles on all other purchases, everywhere
$300 annual travel credit for bookings through Capital One Travel
$120 statement credit for TSA PreCheck^® or Global Entry^® application fee
Unlimited lounge access at 1,300+ Priority Pass and Capital One lounges
$100 experience credit on Premier Collection hotel and vacation rental bookings
No foreign transaction fees
$395 annual fee
Charge card: pay your balance in full each month

This card is tailored for business owners who value premium travel perks and powerful earning rates. Flexibly redeem miles through Capital One Travel or transfer to leading airline and hotel partners. Between generous credits, lounge access and elevated rewards, you’ll more than offset the annual fee and enjoy a seamless global journey.

Terms apply. Welcome bonus and credits require minimum spending. See issuer’s site for full details.

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Ink Business Preferred® Credit Card

BusinessChaseChase Ultimate Rewards

Annual fee: $95
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$2,050Total$2,050Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $2,050
Welcome offerAfter $8,000 in 3 months: 100,000 points

Features
Issuer: Chase
Network
Program: Chase Ultimate Rewards

Fees and terms
Annual Fee: $95/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

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

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Rewards: Rate
Travel: 3x

Travel insurance: Coverage
Trip Cancellation: $5,000
Trip Interruption: $5,000
Delayed Baggage: $500
Lost Baggage: $3,000
Flight Delay: $500
Travel Accident: $500,000

Purchase protection: Coverage
Purchase Protection: $10,000 · 120 days
Extended Warranty: +1 year
Mobile Device: $1,000
Auto Rental Collision (secondary, primary for business rentals, primary abroad): $60,000 · 31 days

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Pros

Welcome bonus of 100,000 points

Cons

Fewer premium perks

Maximize Business Travel Rewards with the Chase Ink Business Preferred^® Credit Card

100,000 bonus points after spending $8,000 in the first 3 months
3X points per $1 on the first $150,000 spent on travel and select business categories annually
1X point per $1 on all other purchases
1:1 transfers to leading airline and hotel loyalty programs
Primary rental car coverage and trip cancellation/interruption protection
$95 annual fee
No foreign transaction fees

Reward everyday business spend—from shipping and advertising to telecom and travel—with elevated earning rates and seamless redemptions. Combine points across your Chase portfolio, redeem them for 1.25¢ each toward travel booked through Chase Travel℠, or transfer them to more than a dozen top loyalty partners. Stay in control with an intuitive dashboard, real‑time alerts and powerful digital tools built for busy entrepreneurs.

Terms apply. Bonus points require $8,000 spend in 3 months. Rewards cap at 150,000 bonus-category points per anniversary year. See issuer for full details.

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Wyndham Rewards Earner® Plus Card

BarclaysWyndham Rewards

Annual fee: $95
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$700Total$700Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $700
Welcome offerAfter $1,000 in 3 months: Up to 100,000 points

Features
Issuer: Barclays
Network
Program: Wyndham Rewards

Fees and terms
Annual Fee: $95/yr
Min. annual income: —

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Rewards: Rate
Wyndham hotels: 6x
Groceries: 4x
Gas & EV: 4x
Restaurants: 4x
Transit: 4x
Travel: 4x

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Pros

Welcome bonus of 100,000 points
4x on groceries
4x at restaurants

Cons

Fewer premium perks

Maximize Your Stays & Points with the Wyndham Rewards Earner Plus Card

6X points per $1 spent at Wyndham hotels and on gas station purchases
4X points per $1 on dining and grocery store purchases
1X point per $1 on all other eligible purchases
Up to 100,000 bonus points (limited-time offer): 45,000 after spending $1,000 in the first 90 days, plus 55,000 after spending $500 at Hotels by Wyndham in the first 180 days
7,500 anniversary points each year—enough for a free night at a lower-tier property
Automatic Platinum status for perks like late checkout, room upgrades and rental car benefits
0% intro APR on balance transfers for 15 months
$95 annual fee and no foreign transaction fees

This card is tailor-made for frequent Wyndham guests who want to fast-track free nights and elite perks. Earn elevated points on stays, fill-ups and everyday spend, then redeem them for award nights, gift cards or travel transfers. Manage your rewards and account features seamlessly through the Wyndham app or website.

Terms apply. Bonus points require qualifying spend (see above). Anniversary points posted after renewal fee. Balance transfer fee: either $5 or 3% of each transfer, whichever is greater. See issuer for full details.

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Wyndham Rewards Earner® Business Card

BusinessBarclaysWyndham Rewards

Annual fee: $149
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$700Total$700Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $700
Welcome offerAfter $3,000 in 3 months: Up to 100,000 points

Features
Issuer: Barclays
Network
Program: Wyndham Rewards

Fees and terms
Annual Fee: $149/yr
Min. annual income: —

Read full review

Rewards: Rate
Wyndham hotels: 8x
Gas & EV: 5x
Office: 5x

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Pros

Welcome bonus of 100,000 points

Cons

Fewer premium perks

Supercharge Your Business Rewards with the Wyndham Rewards Earner℠ Business Credit Card

Up to 100,000 bonus points (limited-time offer): 45,000 points after $3,000 in qualifying purchases within 90 days + 55,000 points after $500 spent at Hotels by Wyndham within 180 days
8X points per $1 on Wyndham hotel stays and gas purchases
5X points per $1 on marketing, advertising and utilities
1X point per $1 on all other purchases
15,000 anniversary points each year—enough for two free nights at many properties
Automatic Wyndham Diamond status with perks like room upgrades and premium Wi‑Fi
$149 annual fee

Designed for business owners whose expenses align with its bonus categories, this card accelerates your Wyndham Rewards balance on core costs—from hotel stays to advertising spend. Enjoy top-tier elite status from day one, plus an annual points windfall that can cover free nights on its own. Manage your account and track earnings easily through the Wyndham app or online portal.

Terms apply. Bonus points and anniversary awards require qualifying purchases and fee payment. See full terms for details.

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The New United℠ Business Card

BusinessChase United MileagePlus

Annual fee: $150
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,200Total$1,200Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,200
Welcome offerAfter $5,000 in 3 months: Up to 100,000 miles

Features
Issuer: Chase
Network
Program: United MileagePlus

Fees and terms
Annual Fee: $150/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Earn up to 100,000 bonus miles + 2,000 PQP: 90,000 bonus miles and 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open, plus 10,000 bonus miles after you add an employee card in the first 3 months.
$150 Annual Fee.
NEW! 8x total miles on eligible United flights.
2x miles on all other eligible United® purchases. 2x miles on dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
1x mile on all other purchases. Plus, employee cards at no additional cost – miles earned from their purchases accrue in your account so you can earn rewards faster.
Receive a 5,000-mile “better together” bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
Enjoy a free first checked bag – a savings of up to $200 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
NEW! Save 10% or more when booking flights with miles. Premier members save even more.
Member FDIC

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Rewards: Rate
Gas & EV: 2x
Restaurants: 2x
Transit: 2x
Office: 2x
United flights: 2x

Benefits
Airport lounges: 2 visits/yr
Annual credit: $125/yr
Concierge: Included

Travel insurance: Coverage
Trip Cancellation: $1,500
Trip Interruption: $1,500
Delayed Baggage: $300
Lost Baggage: $3,000
Flight Delay: $500
Travel Accident: $500,000

Purchase protection: Coverage
Purchase Protection: $10,000 · 120 days
Extended Warranty: +1 year
Auto Rental Collision (secondary, primary for business rentals, primary abroad): $60,000 · 31 days

Read full review

Pros

Welcome bonus of 100,000 miles
2x at restaurants

Cons

Fewer premium perks

Optimize Your United Flying with The New United℠ Business Card

Up to 100,000 bonus miles + 2,000 Premier Qualifying Points: 90,000 miles and 2,000 PQP after $5,000 in purchases within 3 months, plus 10,000 miles when you add an employee card within 3 months
2X miles on United flights, dining (incl. delivery), gas stations, office supplies and local transit
1X mile on all other purchases
Free first checked bag for you and a companion on United flights
Two United Club one-time passes each year
Priority boarding for you and your traveling party
$125 United travel credit after five $100 United flight purchases per calendar year
Employee cards at no additional cost, with miles pooled into your account
No foreign transaction fees
$150 annual fee

Perfect for small‑business owners who fly United often, this card combines generous bonus miles, valuable travel perks and seamless account management via the Chase app. Elevate every trip with complimentary credits, lounge access and priority services tailored to your needs.

Terms apply. Bonus miles and PQP require qualifying spend. Travel credit applies after flight purchases. See full terms for details.

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Complete Guide

Compare Visa credit cards available in the United States, including annual fees, rewards and welcome offers.

Cards analyzed

Oct 2026

Last updated

100%

Independent

Our Methodology

Every card is evaluated across 100+ criteria. We calculate first-year value by combining the welcome bonus, estimated rewards on typical American spending patterns, and subtracting the annual fee. This objective score determines our ranking.

📊Real data

🔄Updated regularly

⚖️Unbiased review

🎯Transparent criteria

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