Credit Card Reviews

Chase Ink Business Cash

Chase Ink Business Cash is the best overall business credit card. We love their benefits and flexibility for a wide range of business purposes.

Chase offers outstanding rewards for things you’re already spending money on.

  • 5% cash back on first $25,000 in combined purchases for Internet, cable, business phone services per year
  • 2% cash back on first $25,000 spent at restaurants and gas stations
  • Unlimited 1% cash back on all other purchases

You get up to $1,750 cash back each year if you max out those first two categories.

Chase offers built-in protection for instances using your Ink Business Cash card. You can decline collision insurance offered by rental companies when you’re renting a car. Chase Ink Business Cash has you covered.

The card also provides purchase protection against theft or damage to items for 120 days, up to $10,000 per claim and $50,000 per account. It also extends qualified manufacturer’s warranties on purchases for an additional year.

You can get extra cards for your employees at no cost, and set individual spending limits for each cardholder and  the Ink Business Cash card does not have an annual fee.

Blue Business Cash Card From American Express

Blue Business Cash Card gives you the benefits of American Express without the annual fees.

You’ll earn 2% cash back on purchases up to $50,000 in a calendar year. After that, you’ll receive 1% cash back on your purchases.

Rewards will automatically be credited to your statement, so you don’t have to worry about manual redemption.

One thing I like about this card is its spending capacity terms. You have the ability to spend above your credit limit with Amex’s expanded buying power.

That doesn’t mean you have unlimited spending freedom. The amount available above your limit varies based on things like your payment history, usage, and other factors.

American Express offers outstanding travel and transportation benefits with this card. In addition to car rental loss and damage insurance, you’ll also have access to 24/7 services with global hotline assist whenever you’re more than 100 miles from home.

This program gives you access to legal, financial, medical, and other emergency services coordination, such as helping you travel with a lost passport.

Other Blue Business Card highlights include:

  • No charge for employee cards
  • Detailed year-end summary with spending category and expense reports
  • Account alerts and monitoring
  • Integration with Vendor Pay by Bill.com
  • Extend manufacturer’s warranty on purchases
  • Purchase protection

American Express has a long history of providing exceptional service to its cardholders. Their dispute resolution services are second to none.

CitiBusiness AAdvantage Platinum Select World Mastercard

The CitiBusiness AAdvantage Platinum Select World Mastercard is the best business credit card for frequent American Airlines travelers.

If you or your employees frequently fly with American, you definitely need to consider this card. Their benefits offering might make you want to consider flying exclusively with American Airlines after you read it.

Travel Benefits:

  • First checked bag free for you and up to four people on your itinerary
  • Preferred boarding
  • 25% off in-flight food and beverages
  • 25% off in-flight Wi-Fi

Rewards Benefits:

  • 2x miles per $1 spent on cable, telecommunications, gas, and car rentals
  • 2x miles per $1 spent on American Airlines purchases
  • Earn 1 mile per $1 spent on all other purchases

You’ll also earn an American Airlines Companion Certificate for domestic travel after spending $30,000 per year. That’s easy to do if your business has a lot of routine spending.

The certificate is worth a free round-trip domestic flight for someone else on your itinerary. NOTE: You’ll still be on the hook for taxes and fees.

It’s easy to justify the annual fee is you travel with American Airlines often enough. Assuming you check a bag when flying, two round-trip tickets would normally cost $100 in bag fees. The card pays for itself right there.

American Express Business Gold

American Express Business Gold is a great credit card if you’re looking to accrue a ton of points.

The card allows you to earn 4x membership points on the top two categories where your business spends the most money each billing cycle. Those categories are:

  • Airfare
  • Advertising purchases
  • Computer hardware, software, and cloud technology
  • Gas Stations
  • Restaurants
  • Shipping

The 4x points are valid for the first $150,000 spent per year combined on your top two categories. You’ll earn one point for every $1 spent after that.

As such, this is a great card for businesses that regularly have big expenses each year.

American Express has an outstanding membership rewards program for redemption. Your points will transfer to the majority of popular loyalty programs.

Booking a flight with AmEx Travel allows you to pay with your points too. Do that and you’ll get 25% of those points back to your account.

You also get all of the exceptional American Express travel perks like no foreign transaction fees, car rental loss and damage insurance, baggage insurance, and the global assist hotline.

Furthermore, the Amex Business Gold card offers room upgrades and a $100 hotel credit for dining, spa, and other resort activities when you stay at a participating property for at least two consecutive nights.

Capital One Spark Miles For Business

Capital One Spark Miles cards will be a favorite if you travel frequently. It rewards you with miles instead of cash or points.

They offer two options: One card is free with decent perks, and the other has a $95 annual fee with better rewards. Beyond that, the two cards are basically identical. Here’s an overview of each one:

Capital One Spark Miles

  • $95 annual fee (waived the first year)
  • Unlimited 2x miles per $1 dollar spent on all purchases
  • Unlimited 5x miles per $1 dollar spent on hotel and car rental bookings through Capital One

Capital One Spark Miles Select

  • $0 annual fee
  • Unlimited 1.5x miles per $1 dollar spent on all purchases
  • Unlimited 5x miles per $1 dollar spent on hotel and car rental bookings through Capital One

The Spark Miles Select card will best for those of you who don’t want to pay the annual fee. But if you travel often enough, the $95 is justifiable for Spark Miles card.

 

 

What gives NFTs value?

An NFT’s value is defined by market supply and demand. It’s usually easier to evaluate an NFT when it’s created as a representation of a physical asset. But most NFTs only exist on-chain, in the digital world. Each NFT collection has a different supply, and each NFT unit can have a different rarity. But there are several other factors that can determine how much an NFT is worth. For example, limited series NFTs with specific use cases tend to be more valuable. The founding team, along with the artists and community, can also affect the demand for NFTs.

  • juin 10, 2022
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