If you’re one of those special people Chase still wants to give a credit card to because you haven’t gotten five or more of them in the past two years, then you & Chase just go to town. See the world together.
Are you a Chase reject or currently Chase-averse like me, due to the 5/24 hysteria?
Here are 6 great cards that Chase will never know about:
- SPG Business card: Many people tout the Starpoints this card earns as being the most valuable points out there, not only because of the great hotels you can book with relatively few points, but also because the points are flexible and transferable to an array of travel partners. You also get a 5K-point bonus for every 20K points you transfer to an airline partner. This card has a 25K-point sign-up bonus, which is down from 35K in March, with a $95 fee that’s waived the first year. The only reason I didn’t snag this card back in March is because the $5K minimum spend requirement for receiving the increased bonus was out of my practical reach. Maybe one day. If you need Starpoints now, this is a great option.
- CitiBusiness AAdvantage World MasterCard: The public offer for this card from Citi is 30K bonus American Airlines miles, but there are links online for a 50K offer, like the one Frequent Miler has. This card is a bit better for everyday spend than Delta’s business card due to the double miles earned on gas, phone bills and car rentals, and it still offers the standard free checked bag and priority boarding on AA flights. The $95 fee is waived the first year.
- Gold Delta SkyMiles Business: As I mentioned, this card recently increased its sign-up bonus from 30K to 50K miles, with the $95 annual fee waived the first year. This was a great offer if you’d been needing SkyMiles, but I’m still waiting for the 60K offer with the lower $1K minimum spend that some have been targeted for in the past.
The signup bonus is back down to 30K miles, butthis card could still be a good option for those needing SkyMiles now.
- Alaska Airlines Visa Business: One of the few Bank of America cards popular among budget travelers, this card is another great source of flexible miles. Alaska also recently acquired another very popular airline with valuable points, Virgin America, and that merger will make for a powerful airline with a lot of value to offer its customers. As a note, the $75 annual fee is not waived the first year.
What Alaska lacks in international coverage it makes up for by allowing you to use your miles with many other airlines. Alaska miles can be earned and redeemed on over a dozen other airlines, including:
- Platinum Delta SkyMiles Business: This business card has an increased bonus of 70K SkyMiles after $5K in spend (until Nov. 9). One big downside for me: The annual fee of $195 is not waived the first year.
This card could still be very worth the fee (at least for the first year), as it comes with a $100 statement credit on a Delta purchase (can be a gift card if you’re not buying a ticket) in the first three months, and allows you to earn elite status with Delta quicker by giving you credit for 10K of the 25K miles you need to fly to earn the first tier of their elite status.
The card also gives you a free roundtrip companion certificate on each year anniversary of having the card. Though if you don’t plan to fly Delta at least a few times a year, this card probably isn’t worth keeping.
- Club Carlson Business Visa: This card has a sign-up bonus of 50K points after your first purchase, then another 35K after spending $2.5K within the first three months.
The annual fee is not waived the first year, but it’s only $60, which is $15 fewer than the personal version of this card with all the same benefits. The card also gives you 40K points on each year anniversary of having it, which is enough for:
Here are some of the other benefits of this card:
What if I don’t own a business?
Many people own what can be considered a small business, even if they don’t realize it. I play drums in a band that could count as a small business, and I owned another small business when I was an Uber/Lyft driver.
Do you have a blog? Business. Do you housesit or petsit from time to time? Business. Do you work freelance giving relationship or financial advice to your acquaintances? Business.
Having a business credit card allows you to separate your spending and makes your expenses easier to track and report. And impossible for Chase to track and deny you.
Check out this post from Doctor Of Credit on which card issuers do and don’t report business cards on credit reports, and if you need links to any of these cards, Frequent Miler has a great list here.
I’d love to hear your thoughts or about what business card you would recommend!