The Ritz-Carlton Rewards Credit Card from Chase is an exclusive hotel rewards credit card with a $395 annual fee and an impressive slate of benefits for frequent travelers. It’s comparable to some of the most exclusive credit and charge cards on the planet, including the American Express Platinum Card, as well as high-end airline, hotel, and general travel rewards credit cards with high annual fees and generous benefits to match. It’s worth noting upfront that Ritz-Carlton is part of the Marriott hotel family, and the Ritz-Carlton Rewards program extends to the more than 3,000 hotels and resorts under the Marriott umbrella, so this card is more relevant and widely useful than the rarefied Ritz-Carlton name suggests.
The Hyatt Credit Card from Chase is a hotel rewards credit card with a $75 annual fee and an attractive rewards program that favors frequent guests at Hyatt hotels and associated brands, including Hyatt Hotels & Resorts, Andaz, Hyatt Centric, and Hyatt Place, among others. Cardholders are automatically enrolled in Hyatt’s Gold Passport loyalty program, and cardholders in good standing automatically earn and keep Hyatt Gold Passport Platinum Status. Platinum’s many valuable perks include accelerated point earnings, complimentary room upgrades, and guaranteed room availability.
Capital One® Spark® Miles Select for Business is a business credit card with no annual fee and a straightforward travel rewards program that accrues points (known as No Hassle Miles) on every purchase, every day. Miles can then be redeemed for virtually any type of travel purchase, including airfare, hotel stays, and car rentals. Unlike many brand-specific business travel cards, such as the Gold Delta SkyMiles Business Card, Spark Miles Select assigns a fixed value to earned miles: $0.01 per mile, no matter how it’s earned or redeemed.
Capital One® Spark® Miles for Business is a business credit card with a $59 annual fee and a straightforward travel rewards program that earns an unlimited 2 points (No Hassle Miles) per $1 spent on every purchase, every day. Once accumulated, miles can be redeemed for airfare, hotel stays, car rentals, and other types of travel purchases. Whereas many brand-specific business travel cards, such as the American Express Gold Delta SkyMiles Business Card, assign variable values to their miles, Spark Miles’ points are always worth $0.01 apiece at redemption, regardless of the method used to redeem them.
Capital One® Spark® Cash Select for Business is a popular business cash back credit card with no annual fee and a simple rewards program that earns an unlimited 1.5% cash back on every purchase, every day. Like many other business credit cards, it offers some useful benefits for business owners, such as free employee cards and spending reports.
Capital One Spark Cash Select for Business competes with a host of other business rewards cards, including Chase Ink Cash, Chase Ink Plus ($95 annual fee), American Express SimplyCash Plus, American Express Blue for Business, and U.S. Bank Business Edge Cash Rewards, among others.
Capital One® Spark® Cash for Business is a business cash back credit card with a $59 annual fee (waived in the first year) and a straightforward rewards program that pays you an unlimited 2% cash back on every business purchase you make, every day. Like many fellow business credit cards, it offers business benefits such as free employee cards and spending reports, though it’s a bit less generous on this front than some competitors.
Capital One® Spark® Classic for Business is a business credit card for business owners with fair credit. Though its reasonable cash back rewards rate and minimal fees – including no annual fee – are nice benefits for anyone who likes low-cost rewards credit cards, Spark Classic’s real utility lies in its credit-building power.
Spark Classic competes with a number of other entry-level business credit cards, including Capital One’s own Spark Cash Select and Spark Miles Select, both no-annual-fee cards that cater to business owners with good credit and earn rewards at higher rates. It also competes with popular business cards like Chase Ink Cash, U.S. Bank Business Edge Cash Rewards, American Express Business Green Rewards, and American Express Blue for Business, among others.
The BuyPower Business Card from Capital One® is a no-annual-fee business credit card with a powerful rewards program whose currency (expressed as cash back and always worth $0.01 per point) can be redeemed to offset the cost of new GM vehicle purchases (and only to offset the cost of new GM vehicle purchases). It has no earning limits in any category, and its rewards never expire. BuyPower Business’s earning power is impressive: 5% back on parts, service, and accessory purchases made with authorized GM dealers, and 3% back on common business spending categories such as gas stations, restaurants, and office supply stores.
If you’re planning to buy a new car from General Motors, the BuyPower Card from Capital One® can help. It’s a cash back rewards credit card with no annual fee and a decent earning rate: 5% on the first $5,000 spent each year. Rewards can be redeemed for discounts on car or truck purchases with any current GM brand: Buick, Cadillac, GMC, or Chevrolet. General cash back or merchandise redemptions are not permitted.
The BuyPower Card is best viewed as a brand discount card, rather than a traditional cash back credit card. It’s a great way for loyal GM owners and drivers to use their spending power – ideally on purchases they’d already make – into discounts on upcoming vehicle purchases.
The Sony® Card from Capital One® is a branded, no-annual-fee rewards credit card with a complicated rewards program (Sony Rewards) that rapidly earns points on qualifying Sony purchases, as well as purchases in other select spending categories. To earn rewards with this card, you need to sign up separately for Sony Rewards – a free, straightforward process.
You can redeem accumulated Sony Rewards points for electronics, general merchandise, entertainment (including concerts), celebrity memorabilia, special experiences, gift cards, and more. Sony Rewards points’ redemption values vary widely depending on how they’re redeemed. They’re generally worth less than $0.01 apiece when redeemed for gift cards and general merchandise, but can be worth several times that amount for items purchased through special limited-time deals and through online Sony auctions.