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Get the American Express® Business Gold Card if your biggest business costs fall in its 4X categories, such as advertising, software, and restaurants, and you’ll use its statement credits. Your top two each month earn 4 points per dollar, on up to $150,000 a year. If those costs are small, take the no-fee Blue Business Plus instead.
Get The Blue Business® Plus Credit Card from American Express only if you’ll transfer its points to airlines or hotels. It earns 2 points per dollar on your first $50,000 a year with no annual fee, but other uses value a point at a cent or less. That’s 2% at most, what the Blue Business Cash pays in cash.
Get The American Express Blue Business Cash® Card for business spending under $50,000 a year, since it pays 2% on that spending with no annual fee or categories to track. Past $50,000 it pays 1%, so if you’ll spend more than about $80,000 a year, an uncapped 2% card earns more than this one, even after a $295 fee.
Good credit in your home country can still count in the U.S. If home is the United Kingdom or Canada, Chase can use your credit history there. If you’ve held a card from American Express itself abroad for at least three months, Amex can use that account. Check both before you settle for a card that needs a deposit.
A Global Entry or TSA PreCheck credit is worth only about $16 to $24 a year, so never pay an annual fee for it alone. If the credit is all you want, get the no-fee U.S. Bank Altitude Connect. Otherwise, pick the card whose other perks you’d use anyway.
Get the Slate® Credit Card if you need close to two years to pay off a big purchase or a balance moved from another bank’s card. Purchases and transfers cost no interest for 21 months, and the card adds purchase protection and an extended warranty. It earns no rewards, so take a cash back card if you’ll pay in full.
Get the Platinum Edition® Visa® Card if you’re a Flagstar customer with card debt you can pay off within its 0% period of 18 billing cycles. Each transfer costs 5%, and debt on another Flagstar card can’t move here. If you need more time, some national banks’ cards give three more billing cycles at 0% for the same fee.
Get the Truist Future Credit Card to pay down a big purchase or a balance moved from another bank’s card in the first 90 days. Both get 0% for 15 months, each transfer costs 3%, and Truist’s lowest rate applies to what’s left after that. Skip it if you never carry a balance, since it earns no rewards.
With excellent credit, pick a card for how you spend, not for how exclusive it is. For most people, that’s a no-fee 2% card like the Wells Fargo Active Cash. Pay for a premium travel card like the Capital One Venture X only if you’ll use its yearly travel credit.
Get the TD Clear Visa® Platinum Credit Card only if you’ll owe more than 57% of its limit every month. At that balance, its $10 or $20 monthly fee, charged instead of interest, costs less than a typical card’s interest. Skip it if you pay in full, since the fee is billed every month either way.
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