Overview

Costco Anywhere Visa^® Business Card by Citi, from our partner Citi, rewards small business owners who frequent Costco warehouses for business supplies. Cardholders can earn 2% cash back on purchases at Costco. In addition, cardholders can earn 3% back on travel and dining at restaurants, and up to 5% cash back rewards on gas purchases. The Costco Business credit card has no annual fee with your paid Costco membership. You can also enjoy no foreign transaction fees on purchases you make abroad.

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Costco Anywhere Visa^® Business Card by Citi

• Discover the only business credit card designed exclusively for Costco members
• Earn 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter.
• 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel.
• 2% cash back on all other purchases from Costco and Costco.com
• 1% cash back on all other purchases
• No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
• Whether you're traveling for business or pleasure, enjoy no foreign transaction fees on purchases
• Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico

Intro APR

N/A

Intro APR Period

N/A

Annual Fee (rates & fees)

$0

Credit Needed

Excellent

Card Benefits

How to Earn Rewards

With Costco Anywhere Visa Business Card by Citi, you can earn more cash back on many regular purchases than most other credit cards. You will earn 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 per year. You will earn 3% cash back on dining at restaurants, including cafes, bars, lounges and fast food restaurants. You will also earn 3% cash back on eligible travel purchases worldwide, including airfare, hotels, car rentals, travel agencies, cruise lines and Costco Travel. For other purchases at Costco and Costco.com, you will earn 2% back. For all other purchases, you will earn 1% back.

For example, if you spend $7,000 on gas at Costco, $8,000 on dining out, $10,000 on travel, $15,000 on Costco purchases, and $10,000 on everything else in a year, you will receive $1,220 in cash rewards. You can use our cash rewards calculator to find out how much cash back you may receive.

How to Redeem Rewards

You will receive your annual cash rewards in the form of a credit card reward certificate once your February billing statement closes. The credit card reward certificate contains your Costco rewards balance based on your eligible purchases during the annual reward period of the prior year. The credit card reward certificates are redeemable through the end of the year at any U.S. Costco warehouse for merchandise or cash back. Any Costco cash rewards you have earned on purchases made by authorized users on your card account will be added to your Costco rewards total.

Additional Information

Fees

This credit card has no annual fee with your paid Costco membership. There are two tiers of membership, Gold Star and Gold Star Executive. The Gold Star has an annual membership fee of $60. The Gold Star Executive has an annual membership fee of $120 and it offers an additional 2% cash reward, up to $1,000 on your purchases at Costco. The 2% cash rewards of the Gold Star Executive can offset the $120 membership fee. For example, if you make an average of $500 monthly purchases at Costco, you will accrue $10 in cash rewards each month and $120 in annual cash rewards, which is enough to pay for the $120 membership fee by itself.

It has no foreign transaction fees, which will save you money when you travel abroad. Most other credit cards typically charge a transaction fee 3% on your purchases in foreign countries. For example, if you use a credit card to pay $2,000 for purchases or for hotel stays in Canada, Asia, or Europe, you may end up with paying a bill of $2,060 after the 3% foreign-transaction surcharge is added to your bill. If you travel abroad, Costco Anywhere Visa Business Card by Citi can help you avoid the 3% surcharge on your purchases.

Required Credit Rating

The Costco Anywhere Visa Business Card by Citi is for people who have excellent credit scores. If you have an outstanding FICO score, you may qualify for the credit card.

Is this the right card for you?

Costco is a warehouse for family and small business to make purchases in bulk. If you like to use Costco for many of your business purchases, the Costco Anywhere Visa Business Card by Citi is a great small business credit card. Although it does not offer a sign-up bonus, it offers business owners up to 5% cash back on gas purchases, 3% cash back on restaurants and travel purchases, and 2% cash back on all other purchases from Costco. In addition, the Costco Anywhere Visa Business Card by Citi has no annual fee with paid Costco membership and has no foreign transaction fees.

Similar Credit Cards

If you are interested in the Costco Anywhere Visa Business Card by Citi, you may also consider a few other credit cards with similar benefits.

Cash Back Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	Costco Anywhere Visa® Card by Citi	5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter. 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel. 2% cash back on all other purchases from Costco and Costco.com 1% cash back on all other purchases	$0 rates & fees
	Citi Double Cash® Card	$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. 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, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.	$0 rates & fees
	Chase Freedom Unlimited®	Limited Time Intro Offer: Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.	$0
	Blue Cash Everyday® Card from American Express	$200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.	$0 rates & fees

Business Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	The American Express Blue Business Cash™ Card	$250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.	$0 rates & fees
	The Blue Business® Plus Credit Card from American Express	15,000 Membership Rewards points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.	$0 rates & fees
	American Express® Business Gold Card	Earn 100,000 Membership Rewards points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.* 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.*	$375 rates & fees
	Ink Business Cash® Credit Card	$350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases	$0
	Ink Business Unlimited® Credit Card	$750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening Unlimited 1.5% cash back on every purchase made for your business	$0

The post Costco Anywhere Visa Business Card Review – Cash Rewards for Business Purchases appeared first on CardBenefit.

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Card Issuer

Citibank

Network

Mastercard

Card Category

Bonus, Dining, Travel

Required Credit

Excellent, Good

Rate this card:  

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Citi Strata Premier^℠ Card

• For a limited time, earn 75,000 bonus ThankYou^® Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com.
• Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
• Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
• Earn 1 Point per $1 spent on all other purchases
• $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
• No expiration and no limit to the amount of points you can earn with this card
• No Foreign Transaction Fees on purchases
• Read our review on Citi Strata Premier^℠ Card

Intro APR

N/A

Intro APR Period

N/A

Regular APR

20.24% - 28.24% (Variable)

Annual Fee (rates & fees)

$95

The New United^℠ Explorer Card

Chase Sapphire Preferred^® Card

Prime Visa

Ink Business Preferred^® Credit Card

The New United^℠ Business Card

The Business Platinum Card^® from American Express

Hilton Honors American Express Card

Southwest Rapid Rewards^® Priority Credit Card

Delta SkyMiles^® Gold Business American Express Card

Aeroplan^® Credit Card

IHG One Rewards Traveler Credit Card

Southwest Rapid Rewards^® Plus Credit Card

Southwest^® Rapid Rewards^® Performance Business Credit Card

Delta SkyMiles^® Platinum Business American Express Card

Marriott Bonvoy Business^® American Express^® Card

The Platinum Card^® from American Express

IHG One Rewards Premier Credit Card

Hilton Honors American Express Surpass^® Card

Delta SkyMiles^® Reserve Business American Express Card

Delta SkyMiles^® Blue American Express Card

Delta SkyMiles^® Gold American Express Card

The New United Quest^℠ Card

American Express^® Business Gold Card

The Blue Business^® Plus Credit Card from American Express

The Hilton Honors American Express Business Card

Southwest^® Rapid Rewards^® Premier Business Credit Card

IHG One Rewards Premier Business Credit Card

British Airways Visa Signature^® Card

Chase Sapphire Reserve^®

Mastercard^® Gold Card™

Mastercard^® Titanium Card™

Mastercard^® Black Card™

The New United Club^℠ Card

The New United Gateway^℠ Card

World of Hyatt Business Credit Card

Capital One VentureOne Rewards for Good Credit

First Tech Odyssey Rewards™ World Elite Mastercard^®

Business Green Rewards Card from American Express

Delta SkyMiles^® Platinum American Express Card

Delta SkyMiles^® Reserve American Express Card

American Express^® Gold Card

Marriott Bonvoy Brilliant^® American Express^® Card

Marriott Bonvoy Bevy™ American Express^® Card

USAA Eagle Navigator^® Credit Card

The post Citi Strata Premier℠ Card appeared first on CardBenefit.

Overview

Citi Strata Premier^℠ Card, issued by our partner Citibank, is a consumer credit card that offers rich bonus and generous rewards on everyday purchases. It not only hands out a bounty of $750 value, which is among the best sign-up bonus rewards of any credit cards, but also offers cardholders 3 rewards points for each dollar spent in grocery, dining, travel, and gas. All of those spending categories are the most common purchases for consumers.

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Citi Strata Premier^℠ Card

• For a limited time, earn 75,000 bonus ThankYou^® Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com.
• Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
• Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
• Earn 1 Point per $1 spent on all other purchases
• $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
• No expiration and no limit to the amount of points you can earn with this card
• No Foreign Transaction Fees on purchases

Intro APR

N/A

Intro APR Period

N/A

Annual Fee (rates & fees)

$95

Credit Needed

Excellent, Good

Card Benefits

Sign-up Bonus

For a limited time, if you spend $4,000 or more in purchases on the credit card within your first 3 months of becoming a card member, you will receive a bonus of 75,000 points, which can be redeemed for $750 in cash rewards or gift cards at thankyou.com. Earning the bonus of $750 value is like receiving a 18.75% discount on your first $4,000 in purchases, which is an easy way to put more cash rewards back in your pocket. Those applicants who recently received a new account bonus for a Citi Premier or Citi Strata Premier Card account in the past 48 months will not be eligible for the 75,000 points bonus rewards.

How to Earn Rewards

You will earn 10 points per $1 spent on hotels, car rentals, and attractions booked on CitiTravel.com. You will also earn 3 ThankYou Points for every dollar you spend at supermarkets, restaurants, gas stations or EV charging stations, airlines, and other hotels. For every dollar you spend on all other purchases, you will also earn 1 point.

For instance, if you spend $5,000 on gas, $5,000 on dining out, $10,000 on groceries, $10,000 on travel, and $10,000 on everything else in a year, you will receive 100,000 ThankYou rewards points, redeemable for $1,000 in cash rewards. You can use our rewards calculator to find out how many rewards points you may receive.

How to Redeem Rewards

Points can be redeemed for cash rewards or statement credit, gift cards, travel, or merchandise. Redemption for cash rewards starts at 500 points for $5. When you use points to redeem for gift cards, each point is worth 1 cent, which means that 100 points equals $1 in redemption value. Redemption for gift cards starts at 2,500 points for a $25 gift card. There are a wide variety of store gift cards that you can choose from at thankyou.com, such as Target, Home Depot, Lowe’s, Macy’s, GAP, Old Navy, Sephora, Legal Sea Foods, Red Lobster, Chili’s, etc. You can easily redeem points for gift cards of your favorite retail stores or restaurants.

$100 Annual Hotel Savings Benefit

Once per calendar year, the primary cardmember can book a hotel stay of $500 or more through CitiTravel.com and enjoy $100 off the hotel stay. To receive the $100 annual hotel savings, you must pre-pay for your complete stay with your Citi Strata Premier Card, ThankYou Points, or a combination thereof. If you choose to use the benefit, the $100 annual hotel savings will be applied at the time of hotel reservation.

Additional Information

Fees

This credit card has an annual fee of $95. It has no foreign transaction fees on purchases that you make in foreign countries.

Required Credit Rating

The Citi Strata Premier Card is for people with good or excellent credit scores. If you have a FICO credit score of 700 or above, you may be eligible for the card offer.

Is this the right card for you?

If you are looking for a credit card with great bonus and rewards on everyday purchases, the Citi Strata Premier^℠ Card is one of the best credit cards for that purpose. You can earn a generous bonus of 75,000 points points, redeemable for $750, and 3X rewards on purchases on some of your most frequent purchases such as grocery, dining, travel, gas. In addition, this credit card charges no foreign transaction fees. Although the Citi Strata Premier^℠ Card has a moderate annual fee, its value has far outweighed the cost of the annual fee.

Similar Credit Cards with Bonus Rewards

If you are interested in the Citi Strata Premier^℠ Card, you may also consider the following credit cards with similar benefits.

Credit Card Bonus valued at $500 or More

Credit Card		Bonus	Annual Fee
	Chase Sapphire Preferred® Card	60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.	$95
	Chase Sapphire Reserve®	60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.	$550
	American Express® Gold Card	60,000 Membership Rewards Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.	$325 rates & fees
	The Platinum Card® from American Express	80,000 Membership Rewards Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.	$695 rates & fees

Credit Card Bonus valued at $250 or $300

Credit Card		Bonus	Annual Fee
	Blue Cash Preferred® Card from American Express	$250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.	$0 intro annual fee for the first year, then $95. rates & fees
	USAA Eagle Navigator® Credit Card	Earn 30,000 bonus points ($300 travel value) after spending $3,000 on qualifying purchases within 90 days of account opening. Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.	$95 (rates & fees)
	First Tech Odyssey Rewards™ World Elite Mastercard®	Get 30,000 bonus reward points when you spend at least $3,000 in your first 90 days¹. That's $300 in value!	$0 intro annual fee first year, then $75 thereafter
	The American Express Blue Business Cash™ Card	$250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.	$0 rates & fees

Credit Card Bonus valued at $200

Credit Card		Bonus	Annual Fee
	Citi Double Cash® Card	$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.	$0 rates & fees
	Blue Cash Everyday® Card from American Express	$200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.	$0 rates & fees
	USAA Preferred Cash Rewards Credit Card	Earn a $200 reward bonus when you spend $1,000 on qualifying purchases within 90 days of account opening. Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.	$0 (rates & fees)
	Choice Rewards World Mastercard®	20,000 bonus Rewards Points when you spend $3,000 in the first 60 days	$0

The post Citi Strata Premier Card Review – 75,000 Bonus Points and 3X Rewards appeared first on CardBenefit.

Credit cards allow you to borrow money up to a pre-set limit for your purchases or balance transfers. The convenience of using credit cards as a payment option comes with the potential cost of fees and interest. But if you make responsible payments on credit card bills, you can maintain good credit scores. Consequently, you can be approved for credit cards for excellent credit to save money in many ways.

1. Sign-up bonuses with new credit card accounts

Credit cards with rich bonus can let you earn substantial rewards in the first few months of account opening. Some Credit cards hand out cash back bonus of hundreds of dollars. For example, Ink Business Unlimited Credit Card is currently offering $750 cash bonus after qualified spending. And some other credit cards offer $200 bonus cash back after $500 is spent on purchases within the first 3 months from account opening, which is a whopping 40% cash back on the first $500 charged to your credit card. See more credit cards that offer top-notch bonus.

2. Cash back or travel rewards

There are many rewards credit cards that give you cash back or travel rewards on your purchases. The cash rewards offered by different cards vary. In general, you can expect between 1% and 2% cash back on most purchases. You can receive higher cash rewards on select purchases. Sometimes credit card rewards are in the form of points or miles, which are redeemable for travel credit or shopping gift cards.

For example, Citi Double Cash Card offers 2% cash back on all purchases, along with $200 bonus cash back. And Blue Cash Preferred Card from American Express offers 6% cash back on grocery purchases, up to $6,000 per year.

3. Buy now and pay later, with no interest cost

Credit cards with 0% introductory interest on purchases can help you save money. If you need to make a big purchase, 0% intro APR credit cards let you borrow money from the card issuer for an extended period of time without incurring any interest or fees. As long as you make the minimum payments every month and pay off the remaining balance before the end of the introductory period, you will not pay for any interest.

For example, Citi Rewards+ Card offers 0% Introductory APR for 15 billing cycles for purchases. If you use the card to make a purchase of $10,000, you can pay the monthly minimum payment for 15 months, which is usually around 1% of the account balance, and then pay off the remaining balance at the end of 15 billing cycles without incurring any interest fees.

4. Use balance transfers to minimize interest charges

Credit cards with 0% introductory APR on balance transfers can help you save money by allowing you to transfer high-interest balances to a 0 interest credit card to eliminate or minimize interest charges. For example, if you have $10,000 in credit card debt and are paying an interest rate of 20%, transferring balances to a 0% APR credit card for 21 months, such as Citi Diamond Preferred Card, can provide substantial savings. You can save around $3,000 on interest charges over the next 21 months. If you are carrying a credit card balance each month, it is well worth your time and effort to apply for a credit card offering 0% intro APR on balance transfers.

5. Free membership of Global Entry and TSA Pre✓

For frequent flyers, getting stuck in the airport security lines means the unnecessary long wait. Sometimes the delay causes travelers to miss flights or connections. In such situations, the travelers have to change flight ticket and may need to stay in a nearby hotel overnight if the flight is scheduled for the next day.

The airport expedited screening programs of TSA Pre✓ and Global Entry can save travelers 20 to 30 minutes in most airports, which help you avoid the situation of missing flights. TSA Pre✓ provides expedited security screening benefits for flights departing from U.S. airports. Global Entry provides the TSA Pre✓ benefit plus expedited US customs screening for international air travelers when entering the United States. TSA Pre✓ costs $85 and Global Entry costs $120 for a five year membership.

A few travel credit cards, such as Chase Sapphire Reserve and IHG One Rewards Premier Credit Card, offer up to $120 Airport Security Statement Credit towards TSA Pre✓ or Global Entry Application fee.

6. Free checked bags

Many airlines charge $25 or $30 per bag on each leg, which means an additional cost of $50 or $60 per passenger on a round trip. The cost of baggage fees can add up quickly for a large travel group. Some airline credit cards let you check your first bag for free. The New United Explorer Card and The New United Quest Card offer its cardholders free checked bags on United flights.

7. Free access to airport lounges

Whether you are a business traveler or an avid vacationer, having unlimited lounge access to VIP airport lounges will be a pleasant experience when you and your companions can enjoy a light meal, sip wine, and relax in comfortable chairs in an exclusive club. Some travel credit cards offer a complimentary Priority Pass Select membership, which is a prestigious membership program for travelers to visit airport VIP lounges. For example, Chase Sapphire Reserve offers complimentary Priority Pass Select membership, which is an instant savings of a few hundred dollars in value annually.

8. Free in-flight food, drinks, and WIFI

Some credit cards give you airline credit of $100 or $200 annually to pay for airline fees or incidentals, such as airfare, baggage fees, in-flight drinks, refreshments and WIFI access. For example, The Platinum Card from American Express offers $200 annual airline credit.

9. Complimentary elite status of hotel membership

Hotel cards may offer complimentary elite status of hotel membership, which can be used to save you on a number of hotel amenities, such as complimentary breakfast, room upgrade, award nights, etc. You can also earn extra rewards points which can be redeemed for free hotel nights or merchandises. For example, Hilton Honors American Express Surpass Card offers complimentary Gold Status of Hilton Honors membership, and Hilton Honors American Express Card offers complimentary Hilton Honors Silver status.

10. Complimentary concierge services

Personal concierge services provide errand management and information research for private clients. Services include informational requests, making travel arrangements, booking tickets to special events or concerts, setting dinner reservations, making telephone calls, and more. The cost of using an independent personal concierge company can be quite expensive. A few premium credit cards offer complimentary concierge services. For example, Synchrony Premier World Mastercard and First Tech Odyssey Rewards World Elite Mastercard provide their cardholders with complimentary concierge services.

11. Complimentary car rental insurance

When you rent a card, you may need to buy car rental insurance. Buying such insurance services from the rental car company will add extra cost to your car rentals. Many credit cards offer complimentary insurance against damage to or theft of your rental cars. It will save you money on car rentals. For example, USAA Eagle Navigator^® Credit Card offers auto rental coverage as a complimentary service to its cardholders.

12. Save on the cost of foreign currency exchange

When you are traveling abroad, withdrawing cash from local ATMs and converting currency can cost extra. Many credit cards let you pay no foreign transaction fees for your purchases in foreign countries. For example, Capital One credit cards do not charge foreign transaction fees. In addition, some travel credit cards do not charge such fees either, such as Chase Sapphire Preferred Card. When you travel abroad, it is always a good idea to carry a credit card with no foreign transaction fees because it saves you money on purchases and it helps you avoid the hassle of converting currency. See more credit cards that have no foreign transaction fees.

13. Discounts on companion airfare

Some airline credit cards let you buy companion flight tickets at a discount, which saves you money on airfare if you fly with a companion. Delta SkyMiles Platinum American Express Card offers its cardholders a Companion Certificate on Main Cabin domestic, Caribbean, or Central American roundtrip flights each year on your account anniversary.

14. Complimentary extended warranties

In-store extended warranties may cost too much and you may never have a chance to use the coverage. You are often better off declining to pay for such extended warranties because it can be a waste of money. Luckily, many credit cards offer extended warranty at no cost for their card members. For example, Ink Business Premier Credit Card provides its cardholders with extended warranty coverage.

15. Complimentary price protection

Price protection is another common benefit provided by credit cards. If your purchase goes on sale after you buy, some credit cards may refund the difference. You just need to provide an ad proving the better price and submit the claim within the specified time limit of the price change.

16. Improve credit score and save on loans

Having a higher credit score can lower your costs on other loans, such as home mortgage, car loans, etc. Your credit-card payment activities affect your credit score. If you make payments on time to pay towards the balance on your credit card accounts, your responsible payments will improve your credit score. Having an excellent credit rating may qualify you for loans with lower interest rates, which will potentially save you thousands of dollars each year. If you have poor credit or have insufficient credit history, you may be ineligible for loans. Opening credit card accounts and making payments responsibly can be a good first step to establish credit history so that you can save a lot on loans. Sometimes you may have to start with secured credit cards to build credit, which may have low credit limit and may cost a little, but having an established credit history of good ratings will pay off over the long term.

The post 16 Money-Saving Tips on Using Credit Cards appeared first on CardBenefit.

Overview

If you would like to earn big rewards on business travel, Bank of America^® Business Advantage Travel Rewards World Mastercard^® is an ideal no-fee business travel card for you. It offers you an opportunity to earn 3 points for every dollar on travel purchases. In addition, if you’re a client of Preferred Rewards for Business, you may get up to a 75% rewards bonus on the base earn of every purchase, which means you may earn up to 2.62 points per dollar on all purchases. Plus, this credit card has no international transaction fees and no annual fee.

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Bank of America^® Business Advantage Travel Rewards World Mastercard^®

• Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
• Earn unlimited 1.5 points for every $1 spent, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America^® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
• No limit to the amount of points you can earn and points don't expire as long as your account remains open.
• No annual fee and no international transaction fees.
• Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America^® Travel Center, for cash back or gift cards.
• 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 17.49% to 27.49% will apply.
• Contactless Cards - The security of a chip card, with the convenience of a tap.
• This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Intro APR

0% on Purchases

Intro APR Period

9 billing cycles

Annual Fee

$0

Credit Needed

excellent

Card Benefits

Sign-up Bonus

New card members will receive a sign-up bonus of 30,000 bonus points after spending $3,000 in net purchases within the first 90 days of your account opening. It usually takes about 10 to 12 weeks after qualifying transactions for the 30,000-point bonus to post to your rewards balance. The 30,000 bonus points can be redeemed for a statement credit of $300 to pay towards travel purchases – it is equivalent to 25% rewards on your first $1,000 purchases.

Earn Rewards

You will earn unlimited 1.5 points for every dollar spent on all purchases everywhere, every time. Your points don’t expire. Plus, you can earn 3 points (consisting of 1.5 base points and 1.5 bonus points) for every dollar spent on travel purchases (car, hotel, airline) booked through the Bank of America Travel Center, which is powered by the popular Expedia travel booking platform.

You can also increase your rewards bonus by up to 75% if you are a Bank of America Preferred Rewards for Business client. The Preferred Rewards for Business has three different tiers: Gold, Platinum, and Platinum Honors. To qualify for the Preferred Rewards for Business program, you need to maintain an active Bank of America business deposit account and/or Merrill business investment account. The following table shows the detailed information of qualification requirement and rewards on the Gold, Platinum, and Platinum Honors tiers.

How to Redeem Rewards

Your rewards points may be redeemed for travel, travel credits, gift cards and cash. When you redeem points for a travel credit, you will receive a statement credit to your account to offset qualifying travel purchases. A travel credit will be available to redeem for purchases from the Bank of America Travel Center or for qualifying travel purchases made in the following merchant categories:

• Airlines, Air Carriers (representing individual major airline carriers)
• Lodging-Hotels, Motels, Resorts (representing individual major hotel/motel chains)
• Car Rental Agencies (representing individual major agencies; and Automobile Rental Agencies)
• Cruise Lines; Travel Agencies and Tour Operators
• Taxicabs and Limousines
• Passenger Railways
• Transportation-Suburban and Local Commuter Passenger, including Ferries
• Bus Lines
• Transportation Services that are not elsewhere classified
• Real Estate Agents and Managers-Rentals
• Timeshares
• Campgrounds and Trailer Parks
• Motor Home and Recreational Vehicle Rental
• Tourist Attractions and Exhibits
• Art Dealers and Galleries
• Amusement Parks, Carnivals, Circuses, Fortune Tellers
• Aquariums, Dolphinariums, Zoos, and Seaquariums
• Boat Leases and Boat Rentals
• Recreation Services that are not elsewhere classified

A purchase qualifies for the Travel Credit if the merchant is assigned to the appropriate merchant category code (MCC).

Additional Travel Benefits

The Bank of America^® Business Advantage Travel Rewards World Mastercard^® has no foreign transaction fees, which saves money for international travelers who may use the credit card abroad. Many other credit cards typically charge a transaction fee 3% on your purchases in foreign countries. If you may travel abroad, it is always best to use a credit card with no international transaction fees so that you can avoid the potential 3% surcharge on your purchases.

Fees and Interest

This credit card has no annual fee. It also offers 0% introductory APR on purchases for 9 billing cycles, which allows you to make purchases now and pay off the balance later without incurring interest cost, as long as you make the minimum payment each month.

Required Credit Rating

The Bank of America^® Business Advantage Travel Rewards World Mastercard^® is a prime credit card for people with excellent credit rating.

Apply for Business Card as an Individual

The Bank of America^® Business Advantage Travel Rewards World Mastercard^® is a small business credit card. Even if you don’t own a corporation or LLC, you can still apply for business credit cards as a sole proprietor – just use your own name as the business name and use your Social Security Number (SSN) as the Tax ID in the application. See detailed explanation on how to apply for business cards as an individual.

Is this the right card for you?

If you make a lot of purchases and travel often often, you will find Bank of America^® Business Advantage Travel Rewards World Mastercard^® a great credit card to earn rewards. If you are eligible for the Preferred Rewards for Business, you may earn up to 2.62 points per dollar you spend on all purchases everywhere. You can also earn a bonus when you book travel through Bank of America Travel Center. Your rewards can add up quickly with this credit card. Plus, you don’t have to pay an annual fee or foreign transaction fees to keep the card.

Similar Credit Cards

If you are interested in the Bank of America^® Business Advantage Travel Rewards World Mastercard^®, you may also consider a few other small business or travel credit cards with similar benefits.

Credit Card		Bonus and Rewards	Annual Fee
	Citi Strata Premier℠ Card	For a limited time, earn 75,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com. 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations. 1 Point per $1 spent on all other purchases	$95 rates & fees
	Chase Sapphire Preferred® Card	60,000 bonus points after you spend $4,000 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, $50 Annual Chase Travel Hotel Credit, plus more.	$95
	American Express® Business Gold Card	Earn 100,000 Membership Rewards points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.* 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.*	$375 rates & fees
	The American Express Blue Business Cash™ Card	$250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.	$0 rates & fees
	Ink Business Cash® Credit Card	$350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases	$0
	The Blue Business® Plus Credit Card from American Express	15,000 Membership Rewards points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.	$0 rates & fees
	Ink Business Preferred® Credit Card	90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel 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	$95
	Ink Business Unlimited® Credit Card	$750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening Unlimited 1.5% cash back on every purchase made for your business	$0
	Costco Anywhere Visa® Business Card by Citi	5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter. 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel. 2% cash back on all other purchases from Costco and Costco.com 1% cash back on all other purchases	$0 rates & fees
	Blue Cash Everyday® Card from American Express	$200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.	$0 rates & fees
	Chase Freedom Unlimited®	Limited Time Intro Offer: Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.	$0

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International travelers would inevitably learn that using credit cards for purchases abroad may incur foreign transaction fees, which is usually a surcharge of 3% on purchase prices. Such fees sting for everyone, especially for seniors who typically live on a fixed income. However, there are a few travel credit cards that waive foreign transaction fees. These credit cards are the best payment cards to use overseas. In addition, some credit cards offer lucrative travel rewards or bonus, such as 3% rewards, $500 travel bonus, extra travel credit to cover incidentals such as baggage fees, airport lounges, or expedited security screening, etc.

Here is a quick rundown of the top travel credit cards for seniors and retirees.

Credit Card		Bonus and Rewards	Annual Fee
	Citi Strata Premier℠ Card	For a limited time, earn 75,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com. 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations. 1 Point per $1 spent on all other purchases	$95 rates & fees
	Chase Sapphire Preferred® Card	60,000 bonus points after you spend $4,000 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, $50 Annual Chase Travel Hotel Credit, plus more.	$95

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If you are looking for a credit card that is more than just amassing points, you should consider Mastercard^® Gold Card™, a premium credit card with unmatched benefits and luxury perks. Plated with 24-karat gold, the Mastercard^® Gold Card™ is a very stylish metal credit card. It is a symbol of elite status. It comes with a steep annual fee, but it offers exclusive value that caters to successful business owners and professionals, such as 24/7 concierge services, rich rewards, and all-around exceptional benefits.

Card Benefits

Earn Rewards

You will earn rewards points on every purchase with your Mastercard^® Gold Card™ and your points can be redeemed for cash back worth 2% in value. You will earn one point for every one dollar spent. When you redeem points for cash back, you will receive $2 for each point. For example, if you spend $10,000 on purchases, you will earn 10,000 rewards points, redeemable for a $200 bank deposit or statement credit, which is a 2% return of the original $10,000 you spend. Cash back redemption starts at 50 points for $1. There is no limit to the total rewards points you can earn and your points do not expire as long as your account is active.

In addition to cash back redemption, you may opt to redeem points for travel, gift cards or merchandise. To redeem points for travel, such as airfare, hotel and car rentals, you may either book your travel plans online through Loyalty Edge on myluxurycard.com or call the Luxury Card Rewards at (844) 724-2500. You points can be redeemed for airfare worth 2% in value. For example, 10,000 points equates to $200 in airfare redemption. When redeeming for hotel and car rentals, your points are redeemed at a rate of 1%, for example, 10,000 points for $100. When redeeming for gift cards, redemption usually starts at 2,500 points for $25 gift cards, which is at a rate of 1%.

It is best to redeem rewards points for cash back direct deposit into a U.S. bank account or statement credit, because you receive the highest return in value. Although airfare redemption is at the same rate of 2% as cash redemption, cash rewards is always the most convenient and universal form of remuneration. For small business owners who spend thousands of dollars on purchases each month, this credit card can help racking up cash rewards quickly. For example, if you spend $20,000 per month, you will receive $400 cash back each month and $4,800 in cash rewards each year.

$200 Annual Airline Credit

You will receive statement credits of up to $200 each year when you use the card to pay for qualifying airline purchases, such as airfare, baggage fees, lounge access, and in-flight purchases (for example, drinks, refreshments and WIFI access). This is an annual benefit of $200 each calendar year (January 1st through December 31st). The transaction dates of eligible purchases will be used to determine the applicable calendar year. The travel credit will be automatically applied to your card statement. It may take up to two weeks for statement credits to be posted to your account after qualifying airline purchases are made.

$120 Global Entry Application Fee Credit

You will receive a statement credit of $120 when you use the card to pay for the application fee of Global Entry, a travel program administered by US Customs and Border Protection (CBP). Global Entry membership allows international travelers expedited entry upon arrival in the United States. Once approved, Global Entry members can use automated kiosks in most major U.S. airports, rather than having to go through the traditional arrival process. Global Entry membership also includes free access to the TSA Pre✓ program, which provides expedited security screening benefits for flights departing from U.S. airports. Please allow 2-3 weeks for the $120 credit to appear on your statement after you apply for Global Entry.

Global Entry can save travelers 20 to 30 minutes in most airports. Sometimes crowded lines at US customs or airport security check points may cause travelers to miss flights or connections. Global Entry membership helps travelers avoid unnecessary hassle of rescheduling flights in those stressful situations. Global Entry expires 5 years after your next birthday following the date you are approved for the membership. Depending on your approval date and date of birth, your Global Entry membership will be valid for at least 5 years, and sometimes it might be valid for almost 6 years after the approval.

Priority Pass Select Benefits

You will automatically receive a complimentary Priority Pass Select membership card within 7–14 business days after your Mastercard^® Gold Card™ is opened. Priority Pass Select is a prestigious membership program for travelers to visit airport VIP lounges to relax and enjoy free food, snacks, and WIFI while waiting for flights. The complimentary Priority Pass Select membership provided by Mastercard^® Gold Card™ allows you and your travel companions to enjoy unlimited visits to over 1,200 participating airport lounges worldwide. Whether you are a business traveler or an avid vacationer, having unlimited lounge access to VIP airport lounges will be a pleasant experience when you and your companions can enjoy a light meal, sip wine, and relax in comfortable chairs in an exclusive club. Your Priority Pass Select membership card will be automatically renewed annually if your account is in good standing.

Priority Pass sells three classes of memberships directly from its website, including Standard, Standard Plus, and Prestige. Among the three memberships, Priority Pass Prestige offers highest level of access, which grants members unlimited access to lounges and allows accompanying guests to visit lounges at a discounted fee of $32 per visit. Priority Pass Select is a fourth class of membership, specially designed for customers who receive their Priority Pass membership through premium travel credit cards. A Priority Pass Select membership with Mastercard^® Gold Card™ is more compelling than the Priority Pass Prestige membership, which costs $429 annually, because all your guests, including family members or friends on the same itinerary, can visit lounges for free. With the Mastercard^® Gold Card™, it is an instant savings of more than $429 in value annually.

Visit prioritypass.com for a complete list of participating lounges. The following is a list of select airports in the United States and Canada with VIP lounges participating in the Priority Pass Select network.

Major U.S. Airports with VIP Lounges Participating in the Priority Pass Select Program
Anchorage Airport (Alaska)	Atlanta Airport (Georgia )	Baltimore / Washington Airport (Maryland)	Boston Logan Airport (Massachusetts)	Charlotte Douglas Airport (North Carolina)
Chicago O’Hare Airport (Illinois)	Cincinnati Airport (Ohio)	Cleveland Hopkins Airport (Ohio)	Colorado Springs Airport (Colorado)	Dallas DFW Airport (Texas)
Denver Airport (Colorado)	Detroit Metropolitan Wayne County Airport (Michigan)	Fort Lauderdale Airport (Florida)	Greenville-Spartanburg Airport (South Carolina)	Honolulu Airport (Hawaii)
Houston George Bush Intercontinental Airport (Texas)	Indianapolis Airport (Indiana)	Las Vegas Airport (Nevada)	Lexington Blue Grass Airport (Kentucky)	Los Angeles LAX Airport (California)
Miami Airport (Florida)	Minneapolis / St. Paul Airport (Minnesota)	Newark Airport (New Jersey)	New York JFK Airport (New York)	Orlando Airport (Florida)
Orlando Sanford Airport (Florida)	Philadelphia Airport (Pennsylvania)	Pittsburgh Airport (Pennsylvania)	Portland Airport (Oregon)	San Francisco Airport (California)
San Jose Mineta Airport (California)	Seattle Sea-Tac Airport (Washington)	St Louis Lambert Airport (Missouri)	Syracuse Hancock Airport (New York)	Tampa Airport (Florida)
Tucson Airport (Arizona)	Washington DC Dulles International Airport (District of Columbia)	Washington DC Ronald Reagan National Airport (District of Columbia)

Major Airports in Canada with VIP Lounges Participating in the Priority Pass Select Program
Edmonton Airport (Alberta)	Montreal Pierre E. Trudeau Airport (Quebec)	Quebec Jean Lesage Airport (Quebec)	Toronto Lester B. Pearson Airport (Ontario)	Vancouver Airport (British Columbia)
Winnipeg J.A. Richardson Airport (Manitoba)	Calgary Airport (Alberta)

24/7 Luxury Card Concierge^®

Luxury Card Concierge transcends concierge services offered by other credit cards. Its comprehensive and complimentary resource is a one-of-a-kind benefit that offers immeasurable value to cardholders of Mastercard^® Gold Card™. It is available 24/7 and concierge agents can assist with any and all requests. Cardmembers can choose to communicate via phone, email or live mobile chat using Luxury Card App. Luxury Card Concierge is not limited to just making travel arrangements; concierge agents can get tickets to special events or concerts, conduct general research, book large groups, source specialty gifts and make international reservations. This service is free to use and there is no charge for booking, unlike the competition.

Here are some success stories of how cardholders used Luxury Card Concierge^®:

• Cardmember requested information on the type of shoes worn by Will Smith and Tommy Lee Jones in the Men in Black films. Within
  24 hours, Luxury Card Concierge provided the type of shoes and a listing of local retailers that carried them.
• A Cardmember, invited to Guy Fieri’s birthday party, did not have time to get a birthday gift before flying in the day of the party. The
  Concierge was able to arrange to have a limited-batch bottle of whisky from a local distillery delivered to the Cardmember’s hotel
  room just in time to bring to the party.
• The Concierge was able to arrange a private “meet & greet” after a game with Boston Bruins player Patrice Bergeron, the
  Cardmember’s all-time favorite player.
• A Cardmember wanted to propose to his girlfriend using the JumboTron in New York City’s Times Square. He called Luxury Card
  Concierge, who was able to accommodate his request within two hours.
• A Cardmember, his wife and their 3-year-old son were moving from Kansas City to Denver. Given that their son was going to start
  school in two years, the Cardmember asked the Concierge to research the best school districts in the city, which helped them narrow
  the search for a new home.
• A Luxury Card member was devastated when he left his cash and jewelry in a hotel while in Japan for business. The Concierge
  arranged for someone to go to the hotel, pick them up, and had the valuables securely sent to the Cardmember’s home.
• A Cardmember was standing in a theme park ticket line with five little girls and wanted a way to get into the park quicker than the
  anticipated 90 minutes. He called Luxury Card Concierge, who went online and purchased tickets for the group. The Cardmember then
  moved over to the Will Call line, which was much shorter, and was able to get into the park much more quickly.

Luxury Card Hotel & Travel Program

Available exclusively to cardholders, Luxury Card’s annual Hotel & Travel Program provides both inspiration and benefits based on where affluent tourists travel and stay. Luxury Card offers competitive rates and complimentary benefits with an average total value of $500 per stay at over 3,000 properties around the world. You can enjoy amenities such as room upgrades, complimentary food and beverage, spa credits and more when you book with Luxury Card Travel.

Patented Metal Card Design

Metal credit cards continue to grow in popularity, and the Mastercard^® Gold Card™ surpasses the competition. A stainless credit card plated with 24-karat gold, the Mastercard^® Gold Card™ has a unique design that is an inspiration of distinguished class.

Fees and Introductory APR

This credit card has no foreign transaction fees, making the Mastercard^® Gold Card™ perfect for those who travel outside of the United States. There is an annual fee of $995, which makes the card exclusive to own. But with the all the above benefits, it is an excellent high-end credit card for wealthy individuals who value services and time more than just points.

As an added bonus, new members pay zero interest on qualifying balance transfers for the first 15 billing cycles which is great if you plan on transferring a high-interest balance to the card. After the introductory period ends, the go-to rate of 20.24% to 28.24% Variable, based on your creditworthiness and other factors applies.

Required Credit Rating

The Mastercard^® Gold Card™ is for people with good or excellent credit rating. If your credit score is close to or above 700, you may be qualified for the credit card. Terms and conditions apply.

Is this the right card for you?

If you value services and like hassle-free travel benefits such as top-rated concierge services, airline credit and expedited airport access, exclusive access to airport lounges, no foreign transaction fees, the Mastercard^® Gold Card™ is the right card for you. It is one of the best travel credit cards with exclusive benefits available on the market. If you are a big spender and frequent travelers, its rich rewards and travel benefits will outweigh the cost of owning the card.

Similar Premium Credit Cards

If you are interested in the Mastercard^® Gold Card™, you may also consider a few other premium credit cards with similar benefits.

Credit Card		Bonus and Rewards	Annual Fee
	Citi Strata Premier℠ Card	For a limited time, earn 75,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com. 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations. 1 Point per $1 spent on all other purchases	$95 rates & fees
	Chase Sapphire Preferred® Card	60,000 bonus points after you spend $4,000 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, $50 Annual Chase Travel Hotel Credit, plus more.	$95
	Blue Cash Preferred® Card from American Express	$250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months. 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back at U.S. gas stations. 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases.	$0 intro annual fee for the first year, then $95. rates & fees
	Ink Business Unlimited® Credit Card	$750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening Unlimited 1.5% cash back on every purchase made for your business	$0
	Citi Double Cash® Card	$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. 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, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.	$0 rates & fees
	American Express® Business Gold Card	Earn 100,000 Membership Rewards points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.* 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.*	$375 rates & fees
	Ink Business Preferred® Credit Card	90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel 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	$95
	Ink Business Cash® Credit Card	$350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases	$0

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