Best Cards for Costco of 2024
Best Premium Card for Costco
Capital One Venture X Rewards Credit Card
On Capital One's Website
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Capital One's Website
Up to 10X Reward Rate
Earn 2 miles per dollar on all eligible purchases, 5 miles per dollar on flights and 10 miles per dollarRead More
Welcome Bonus
Earn 75,000 bonus miles
Annual Fee
$395
Regular APR
19.99% - 29.99% (Variable)
Credit Score
Excellent(750 - 850)
Our Expert Take
Capital One’s most premium travel card is packed with extras that put it firmly in competition with other upscale credit cards, but at an annual fee that leaves the others far behind.
Expert Commentary
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Julian Kheel
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Credit Cards and Travel Rewards Expert
If you’re looking for lofty perks without a lofty annual fee, the Venture X fits the bill. While other cards with elite benefits run nearly $700 a year, you’ll only pay a little more than half that for the Venture X. And you’ll still get Capital One and Priority Pass airport lounge access for you and your guests, an annual travel credit and solid earnings on everyday purchases.
Pros & Cons
- Annual fee lower than others in its category
- Annual travel credit through Capital One Travel and anniversary miles alone could justify the annual fee
- Miles are easy to earn and easy to use
- Lack of domestic airline and upscale hotel travel partners
- Capital One lounge network in its infancy
- Lack of hotel status benefits
Card Details
- 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 booked through Capital One Travel
- Earn unlimited 2X miles on all other purchases
- Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
- 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
- Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
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.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Travel Rewards Card for Beginners
Chase Sapphire Preferred® Card
On Chase Bank USA, NA's Website
4.6
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 5x Reward Rate
Earn 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on allRead More
Welcome Bonus
75,000 bonus points
Annual Fee
$95
Regular APR
21.49%-28.49% Variable
Credit Score
Excellent, Good(700 - 749)
Our Expert Take
Offering a rare mix of high rewards rates and redemption flexibility, this card is a dream for frequent spenders on travel & dining – while charging a modest annual fee.
Expert Commentary
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Julian Kheel
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Credit Cards and Travel Rewards Expert
It’s the granddaddy of travel credit cards, but it still earns its reputation as one of the best around with solid bonus categories, strong travel protections, a great set of domestic and international transfer partners and a reasonable annual fee to boot. You can’t go wrong with it as your first travel credit card.
Pros & Cons
- Earn high rewards on several areas of spending
- Transfer points to travel partners at 1:1 rate
- Many travel and shopping protections
- Annual fee
- No intro APR offer
- Best travel earning rates are only for bookings through the Chase Travel portal
Card Details
- Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s over $900 when you redeem through Chase Travel℠.
- 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, $50 Annual Chase Travel Hotel Credit, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 75,000 points are worth $937.50 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
- Member FDIC
Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for Mobile Wallet Payments
U.S. Bank Altitude® Reserve Visa Infinite® Card *
4.5
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 5X Reward Rate
Earn 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center. Earn 3X points forRead More
Welcome Bonus
50,000 points
Annual Fee
$400
Regular APR
22.24% - 29.24% variable
Credit Score
Excellent(750 - 850)
Our Expert Take
Considering its lavish travel perks and the $325 annual travel credit, frequent travelers can easily justify the $400 annual fee. Plus, cardholders get eight free visits per year to Priority Pass airport lounges (enrollment required).
Pros & Cons
- 50% points bonus when redeeming for travel
- Up to $325 in annual travel credit
- No limits on points earnings
- No points transfer options available
- Free lounge access limited to eight visits per year
- High annual fee
Card Details
- Earn 50,000 points after spending $4,500 in the first 90 days of account opening
- Earn 5 points per dollar on prepaid hotels and car rentals booked directly in the Altitude RewardsCenter, 3 points per dollar on eligible travel purchases and mobile walletspending and 1 point per dollar on all other eligible net purchases
- Earn up to $325 in annual credits
Earn 50,000 bonus points after spending $4,500 in the first 90 days of account opening.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for Students
Bank of America® Customized Cash Rewards credit card for Students
On Bank of America's Website
4.1
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Bank of America's Website
Choose your 3% category
Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up toRead More
Welcome Bonus
$200
Annual Fee
$0
Regular APR
19.24% - 29.24% Variable APR on purchases and balance transfers
Credit Score
Excellent/Good(700 - 749)
Our Expert Take
This card scores an ‘A+’ for students in need of an intro APR offer and no annual fee, while still earning impressive cash-back rewards.
Expert Commentary
Emily Moore
Credit Cards Writer
Experiencing the world through travel is a privilege, but affordability is a common barrier to entry. By sharing accessible tips on responsible credit card use, rewards programs and rewards hacking, Emily Jane Moore helps people with limited financial resources access meaningful travel experiences.
Emily Moore
Emily Moore
Credit Cards Writer
Experiencing the world through travel is a privilege, but affordability is a common barrier to entry. By sharing accessible tips on responsible credit card use, rewards programs and rewards hacking, Emily Jane Moore helps people with limited financial resources access meaningful travel experiences.
Credit Cards Writer
This card offers valuable cash-back rewards to responsible students with good to excellent credit. The savviest cardholders will pay close attention to their top spending category to maximize their quarterly 3% cash back option.
Pros & Cons
- Free FICO® Score access
- Intro APR offer with a generous term
- Competitive cash-back reward rates
- Solid welcome bonus
- 3% foreign transaction fee
- Higher penalty APR applies to late payments
Card Details
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
- Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% – 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job. Access your FICO® Score for free within Online Banking or your Mobile Banking app.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Flat Rate Rewards or 0% Intro APR
Wells Fargo Active Cash® Card *
3.8
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Unlimited 2% Rewards Rate
Earn unlimited 2% cash rewards on purchases
Annual Fee
$0
Regular APR
20.24%, 25.24% or 29.99% variable APR
Credit Score
Excellent, Good(700 - 749)
Our Expert Take
The Wells Fargo Active Cash offers an unlimited 2% cash rewards rate on purchases and charges no annual fee. This puts it in competition with the best flat-rate cash back cards on the market.
Pros & Cons
- Unlimited 2% cash rewards on purchases
- $0 annual fee
- Cellphone protection benefit
- There’s a balance transfer fee
- There’s a foreign transaction fee
- No travel transfer partners
Card Details
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months of account opening
- Earn unlimited 2% cash rewards on all purchases
- Lengthy introductory APR offer on purchases and balance transfers
- No annual fee
- Complimentary 24/7 Visa Signature® Concierge
- Cell phone protection against damage or theft, subject to a $25 deductible
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months of account opening
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
3.5
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Citi's Website
Up to 2% Reward Rate
First, you earn 1% unlimited cash back on every purchase you make. Then, as you pay for those purchases, youRead More
Welcome Bonus
Earn $200 cash back
Annual Fee
$0
Regular APR
19.24% - 29.24% (Variable)
Credit Score
Excellent, Good, Fair
Our Expert Take
The Citi Double Cash card’s simple cash back structure and long-lasting balance transfer APR offer make the Citi Double Cash a favorite among those who want to set it and forget it. It offers a solid cashback rate on all purchases and 0% intro APR on balance transfers, all without an annual fee.
Expert Commentary
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Julian Kheel
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Credit Cards and Travel Rewards Expert
Not everyone wants to chase bonus categories or shuffle cards in their wallet, which makes the Citi Double Cash the perfect “set it and forget it” credit card. It’s one of the only cards around that not only earns 2% cash back on all purchases—1% when purchases are made and another 1% when they’re paid off but also offers a path to using that cash back in the form of more valuable travel points down the road when you’re ready to take the next step.
Pros & Cons
- Earn up to 2% cash back—1% when the purchase is made and 1% when payment is made on the account
- No cash-back cap—no limit on the amount of cash back that can be earned
- No annual fee
- Introductory APR period for balance transfers
- Foreign transaction fee
- Balance transfer fee
- Lack of benefits seen in other no annual fee cards
- No introductory 0% APR on purchases
Card Details
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Card for Gas and EV Charging
Costco Anywhere Visa® Card by Citi *
3.2
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 4% Reward Rate
Earn 4% cash back on eligible gas and EV charging purchases for the first $7,000 spent annually, 1% thereafter; 3%Read More
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
20.49% variable APR
Credit Score
Excellent(750 - 850)
Our Expert Take
With 4% back on eligible gas and EV charging purchases, 3% on restaurants and travel and 2% on your Costco shopping, this card has the potential to reward Costco shoppers and road warriors generously.
Pros & Cons
- High rewards rates in bonus categories
- No foreign transaction fee
- Use the Costco Anywhere Visa card as your Costco membership ID
- Requires an active Costco membership
- Rewards can only be cashed out at Costco via an annual certificate
- Certificate expires at year-end
Card Details
- Earn 4% cash back on eligible gas and EV charging purchases for the first $7,000 spent annually, 1% thereafter
- Earn unlimited 3% cash back on restaurants and eligible travel purchases
- Earn 2% cash back on purchases from Costco and Costco.com and unlimited 1% cash back on all other purchases
- No annual fee with paid Costco membership
- No foreign transaction fees
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Low Fee Card With Travel Benefits
Capital One Venture Rewards Credit Card
On Capital One's Website
3.1
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Capital One's Website
Up to 5X Reward Rate
Earn 5X miles on hotels and rental cars booked through Capital One Travel. Earn 5X miles on Capital One EntertainmentRead More
Welcome Bonus
Earn 75,000 bonus miles
Annual Fee
$95
Regular APR
19.99% - 29.99% (Variable)
Credit Score
Excellent, Good(700 - 749)
Our Expert Take
Casual travelers who don’t plan to carry a balance will find good value in this card’s rewards rate.
Expert Commentary
Kimberly Shearer
Credit Cards Writer
Kimberly Shearer is a credit cards enthusiast, family travel blogger and mom of three boys who lives in the Philadelphia area. She is an extreme couponer turned points and miles enthusiast who loves using credit card points to spoil her family on nearly free vacations. She has been perfecting the fine art of traveling with kids since 2009 and uses her blog, podcast and social media to teach other parents how to travel more for less.
Kimberly Shearer
Kimberly Shearer
Credit Cards Writer
Kimberly Shearer is a credit cards enthusiast, family travel blogger and mom of three boys who lives in the Philadelphia area. She is an extreme couponer turned points and miles enthusiast who loves using credit card points to spoil her family on nearly free vacations. She has been perfecting the fine art of traveling with kids since 2009 and uses her blog, podcast and social media to teach other parents how to travel more for less.
Credit Cards Writer
The Capital One Venture Rewards card is extremely low maintenance as far as travel reward cards go. It provides consistent value and flexibility when it comes to earning and redeeming points for travel and is an excellent alternative for anyone a bit leery of the high Venture X annual fee (rates & fees).
Pros & Cons
- Solid rewards rate
- Global Entry or TSA PreCheck® statement credit (up to $100)
- No foreign transaction fees
- Miles are easy to redeem either via partner transfers or by applying against travel purchases
- $95 annual fee
- No introductory APR on purchases or transfers
Card Details
- Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
- Earn unlimited 2X miles on every purchase, every day
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
- Miles won’t expire for the life of the account and there’s no limit to how many you can earn
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
- Transfer your miles to your choice of 15+ travel loyalty programs
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
3.7
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
1.5% Reward Rate
Earn unlimited 1.5% Cash Back rewards on every purchase made for your business
Welcome Bonus
Earn $750 bonus cash back
Annual Fee
$0
Regular APR
18.49% - 24.49% Variable
Credit Score
Excellent, Good(700 - 749)
Our Expert Take
Busy business owners will appreciate this card’s simple flat-rate rewards program which doesn’t require time to manage and optimize.
Expert Commentary
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Julian Kheel
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Credit Cards and Travel Rewards Expert
Easy is the word that best describes the Ink Business Unlimited. With 1.5% cash back on purchases and no bonus categories to worry about, you can spend your time focusing on your small business instead of your credit card. Best of all, if you want to convert your rewards from cash back to travel points, you can combine the rewards earned from this card with one of Chase’s other premium credit cards and get access to Chase’s valuable transfer partners.
Pros & Cons
- Unlimited 1.5% cash back rewards on purchases
- No annual fee
- Generous welcome bonus
- 0% Intro APR on purchases for 12 months
- Cash back awarded as Ultimate Rewards, which can be combined with premium Chase credit card accounts for better reward redemption options
- High foreign transaction fees
- Not a good card for balance transfers
Card Details
- 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
- Member FDIC
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
