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Rewards, sign-up bonuses, balance transfers, fees, protections, and card reviews. Pick the right card and collect more from it than it costs you.
Get the Capital One Spark Cash Select if your business needs 0% for 9 months on a big purchase or puts less than about $19,000 a year on its card. It pays 1.5% back with no annual fee. Spend more than that, and a Capital One card paying 2% earns more even after its fee.
Get the Ink Business Premier® Credit Card if your business pays the balance in full each month and makes purchases of $5,000 or more, which earn 2.5% cash back. Once those purchases pass $19,500 a year, the extra 1% they earn over the no-fee Ink Business Unlimited’s flat 1.5% more than pays the $195 annual fee.
Choose the balance transfer card whose 0% period gives your payments time to clear the balance, at the smallest fee. For most balances, the Citi Diamond Preferred wins, with 0% for 21 months on transfers made in its first four months, at a 3% fee. Move a Citi card’s balance to another bank’s card instead.
Get the Ink Business Unlimited® Credit Card if you want one card that pays the same 1.5% on all your business spending, with no annual fee. Its points can be worth more toward travel if you or someone in your household also holds a Chase Sapphire Preferred or Sapphire Reserve.
Get the Ink Business Cash® Credit Card if your business shops at office supply stores or pays internet, cable, or phone bills, since those purchases earn 5% back on the first $25,000 a year, with no annual fee. If little of your business spending falls in those categories, the Ink Business Unlimited’s flat 1.5% earns more.
Get the Graphite™ Business Cash Unlimited Card from American Express if your business puts more than about $80,000 a year on one card. Past that point, its uncapped 2% cash back earns more than the no-fee Blue Business Cash, even after its $295 annual fee. Spend less, and the Blue Business Cash earns you more.
Get the Credit One Bank® Platinum Rewards Visa® with No Annual Fee if your credit is fair and Credit One prequalifies you for this no-fee version. It pays 1% cash back on gas, groceries, and mobile phone, internet, and TV bills. Pay in full each month, since its interest rate is 29.99%.
Get SavorOne Rewards from Capital One if you have fair credit and more than a quarter of your card spending goes to grocery stores, restaurants, entertainment, and streaming. Its 3% back there beats QuicksilverOne’s flat 1.5% for the same $39 annual fee. Groceries from Walmart, Target, or warehouse clubs earn just 1%, so they don’t count toward that quarter.
Get the PSECU Visa® Classic Card if you carry a balance month to month and will join the credit union to get it. Its 9.90% rate is the same for everyone PSECU approves and lower than the best rate on Navy Federal’s or USAA’s low-rate card. If you pay in full each month, a rewards card earns you more.
Choose a no-annual-fee credit card by the spending you already do. Take the Wells Fargo Active Cash for a flat 2% if you won’t track categories, the Blue Cash Everyday if groceries and gas lead your bills, or the VentureOne if you’d rather earn travel miles than cash.
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