Business credit cards have the potential to unlock ridiculous rewards for you.
Since businesses tend to spend a lot more money, you can earn a LOT more rewards.
Don’t skimp on this, get your business set up on the right credit cards. A little time on this could easily earn you tens of thousands of dollars in rewards value.
The Top 5 Business Credit Cards of 2020
- Ink Business Preferred Credit Card (Best Rewards for Internet Advertising)
- Capital One® Spark® Cash for Business (Best for Cash Back)
- The Business Platinum Card from American Express (Best for Travel and Perks)
- Capital One® Spark® Miles for Business (Best Straightforward Travel Rewards)
- Capital One® Spark® Classic for Business (Best for Fair Credit)
Jump ahead to
- The Best Business Travel Credit Cards
- The Best Cash Back Business Cards
- The Best Fair Credit Business Cards
- The Best Cards For Loyal Frequent Travelers
- How to Choose The Right Business Card For You
- Business Credit Card Reviews
The Best Business Credit Cards For Travel
- The Business Platinum Card from American Express
- Capital One® Spark® Miles for Business
- American Express Business Gold Card
- Ink Business Preferred Credit Card
How do some folks rack up millions of points and never pay for travel again?
By owning a business and running as many expenses as possible through their business credit card.
This is when the rewards get ridiculous.
Depending on the size of your business, it’s possible to rack up enough points to stay at the nicest hotels in the world and fly first class on multiple international trips each year. Then pair those points with perks like airport lounge access and free hotel upgrades. You’ll be traveling like a VIP on every trip.
The cost? Just the annual fee charges on your credit cards and small airline or hotel fees that can’t be covered with points. Otherwise, it’ll all be free.
If you love to travel and own a business, I strongly recommend getting a travel business credit card. The rewards are too good to pass up.
You might even consider getting two business travel cards. Use one as your point-generating machine and the other for travel perks.
The Best Cash Back Business Cards
- Capital One® Spark® Cash for Business
Running a business isn’t easy for any of us. We’re always juggling a ton of stuff. When we have to manage so much, simplifying any aspect of our business goes a long way.
One way to do this is by picking a cash back card for your business.
I love cash back cards for their simplicity.
There’s no points to manage, no spending categories to worry about, no partners to transfer rewards to, all that stuff goes away.
Simply spend money for your business and get a straight cash back on every purchase.
The real benefit comes from freeing up your mental energy to keep growing your business. I can’t overstate the value of this. Less stuff to manage means better decisions. In the long-run, most folks probably earn a better return from having more time and energy than they do from having rewards points.
If you dread having one more thing to worry about by having a rewards points program, skip them altogether and get a cash back card for your business. It’s like getting a 1-2% discount on every purchase that you make. That’s a great deal considering there’s nothing you need to do after you get the card.
Even if the other business credit cards aren’t for you, at least get a cash back card.
The Best Fair Credit Business Cards
- Capital One® Spark® Classic for Business
Business credit scores work a bit differently than personal credit scores.
If you’re applying for a business credit card as a sole proprietorship, your personal credit score will heavily influence the credit score of your business. Even if your business has an employment identification number (EIN) and is a separate entity, your personal score can still influence it.
On top of that, the formulas and data for business scores are more varied. Each business credit score company has its own method.
This means two things:
- If your have poor or fiar personal credit, that will likely impact the credit of your business.
- Even if you have good personal credit, your business might not have enough credit for the better cards.
In either case, you may have to build up the credit of your business before getting the best business credit cards.
To do that, use the Capital One Spark Classic card.
There’s no annual fee, gets a straight 1% back on every purchase, and will approve businesses with a wider range of credit than other cards.
Get this card if you’ve had trouble getting approved for a couple of the other cards or you have fair personal credit.
The Best Cards For Loyal Frequent Travelers
- Southwest Rapid Rewards Performance Business Credit Card
- Platinum Delta SkyMiles Business Credit Card from American Express
- CitiBusiness / AAdvantage Platinum Select Mastercard
- Hilton Honors American Express Business Card
- United Business Card
- Marriott Bonvoy Business American Express Card
For personal use, I’m not the biggest fan of loyalty cards. I like having the flexibility to travel wherever and however I like.
But as a business owner, I completely endorse loyalty cards.
When traveling for business, I have a completely different mindset. I don’t care about unique or memorable travel. I want fast decisions, consistency, and dependability. Get in, do the job, and get out.
This means I try to fly the same airlines and stay at the same hotels when traveling for business. Loyalty cards are perfect for this.
For example, I have a friend that helps open to new Chipotle locations across the US. He usually travels once per week for a one night trip. Sometimes he’ll fly back on the same day. The point is that he’s racking up a ton of miles back and forth to smaller airports. Guess what airline he uses? Southwest. In this case, the Southwest Rapid Rewards Performance Business Credit Card is a perfect fit. He’d get upgrades, bonus points, and wifi credits when flying.
Each set of credit card parks is a bit different but they include things like:
- Priority boarding
- Bonus points when spending money with that airline or hotel
- Employee cards that add points to your account
Get the cards that match your travel habits. You’re already spending the money anyway, get the card perks to go with it.
Even if that means locking into the same airline and hotel when traveling for work, I consider that a benefit. Consistency when traveling more than makes up for a slight decrease in flexibility. Here’s a few rules that I follow when picking the right loyalty programs for my business:
- If I travel to major cities or internationally, I pick the major airline (United, Delta, or American Airlines) that has the most flights out of my home airport.
- If I travel to small airports often, pick an airline like Southwest.
- Pick Hilton or Marriott and stick to it. Both have good coverage worldwide and their loyalty programs are very similar.
How to Find The Right Business Credit Card For You
Here’s the step-by-step process that I use to find the right card.
Step 1: How good is the credit for your business?
For individuals, everyone has their own score and scores are all basically calculated the same way across different credit agencies.
For businesses, things get more complicated.
First, your individual credit score might be used for a new business until it has its own credit history.
Second, business credit scores can be calculated quite differently depending on the agency.
This means that you might have to build the credit for your business from scratch regardless of how good your personal credit score is. And if you have little or no credit yourself, that could also impact your business credit.
The best business credit cards all require excellent credit. So if you haven’t been approved for a few of them or know that you need to build up your credit, start with a business credit card that helps you build up your credit card over time.
Our favorite card for building credit is the Capital One Spark Classic.
Step 2: Do you want to maximize value or simplicity?
Once your credit is high enough, you’ll need to decide whether reward value or simplicity matters to you more.
I personally prefer to maximize reward value. That’s why I always pick points cards that I can then redeem for international flights and hotels. I also use travel cards to get perks while traveling. All this gets me the most value in rewards.
However, I totally understand when folks want to skip all that and keep things simple. Points do take more effort to manage. You have to track them, transfer them to the right programs, find good points deals, and plan out your trips. Managing a business is complicated enough, keeping things simple goes a long way to helping you stay focused on your business.
If managing points and travel cards sounds like a headache, skip those cards entirely and get a cash back card. Giving up a bit of rewards value for simplicity is a great trade.
And if you don’t travel, pick a cash back card. The points cards really shine with travel perks and redemptions. If you don’t travel, you won’t be able to get the same amount of value. Sticking with a cash back card will be a much better option.
Step 3: Pick a primary spending card
Once you’ve decided on whether to get a travel card or a cash back card, your next step is to pick your primary spending card.
No card is perfect.
Some have better perks, some have bonus points on certain categories rather than others, some are simpler.
No one gets a card that’s perfect. The goal is to find the card the overlaps with your business spending the most.
For example, if you want a travel rewards card and spend a lot on online advertising, get the Ink Business Preferred Credit Card and use it as your primary spending card across all spending categories. You can always get additional cards later, start with one card as your primary card.
Here are a few of the cards that we frequently end up with:
- To maximize points, get the Ink Business Preferred Credit Card
- To maximize travel perks, The Business Platinum Card from American Express
- For cash back, get Capital One Spark Cash for Business.
Step 4: Add optional cards for extra perks or rewards maximization
This step is entirely optional. Many businesses can stick to a single rewards credit card and never need to go beyond that.
And if your goal is simplicity, I strongly recommend that you stick to a single card. Additional cards will only add complexity.
But you may be okay with some extra complexity in order to get some nicer perks.
Especially for frequent travelers, a few extra cards can really up your travel game. Here are a few options that I’d consider:
- If you don’t have it already, consider the The Business Platinum Card from American Express. It’s the true VIP travel card with a bunch of perks that you won’t find anywhere else. Serious business travelers usually have one of these.
- Get the airline card for the airline that you fly the most. Just make sure that the perks are worth the annual fee to you. Most likely, you won’t be using this for any ongoing spending since the miles earning power tends to be lower than other cards.
- If you travel for business regularly, consider a hotel loyalty card for the hotel chain that you use the most. I like to stick to the largest chains like Hilton and Marriott for business since they have locations in most cities. The perks and loyalty status that come with their cards are definitely worth it.
- To really push the points earning, consider multiple points cards. I avoid this myself because I find it to be more effort than it’s worth. But it is an option if you’re trying to rack up as many points as possible. With multiple points cards, you can use each for different types of expenses, getting as many bonus points as possible. Some also have limits where the bonus points stop at a certain spending amount. Once you hit that limit, you can rotate to another card that still has bonus points for that category.
Again, all this is optional. Only consider these options if you’re comfortable managing some extra complexity on top of the card you already have.
Business Credit Card Reviews
Let’s go through our deep-dives on all our recommended cards.
The Business Platinum Card from American Express Review
You won’t earn as many points as some of the other cards on this list but you’ll get perks that you can’t find anywhere else with the Business Platinum Card from American Express.
You’ll earn these points on your spending:
- 5X points on flights and prepaid hotels via amextravel.com.
- 1.5 points on purchases of $5,000 and above. If you regularly make large purchases, this could come in handy.
- 1 point on everything else.
And if you love perks, this is THE card to get.
The biggest perk: access to the Centurion Lounges. They’re amazing and only available to cardholders. If you fly regularly through an airport with one, this could be worth the fee on its own. Definitely check the list of locations though, only about a dozen US airports have them. You’ll also get access to the International American Express lounges and Delta Sky Club access when flying Delta.
American Express did add a perk with WeWork. You’ll get a year of Platinum Global Access. This gets you access to WeWork common areas during the normal business hours of any WeWork location. If you travel regularly, this would give you a reliable place to work in major cities.
It has a few other perks worth mentioning:
- Hilton Honors Gold Status and Marriott Bonvoy Gold Elite Status. This is a huge perk if you regularly stay at either hotel chain but don’t want to bother getting a dedicated loyalty card for that hotel.
- Fee Credit for Global Entry or TSA Pre-check, a pretty standard perk these days.
- $200 in Dell statement credit
- $200 airline fee credit but it’s limited. First you have to pick the airline that you want this to apply to. And it doesn’t count towards flights, only incidental fees like baggage fees and in-flight drinks.
- No foreign transaction fees.
All this for a $595 annual fee, one of the highest in the industry. If the perks are worth the added expense for your business, get the card.
Capital One® Spark® Miles for Business Review
This card may be simple but it packs an amazing punch.
You’ll get 2X points on everything.
That’s right, double points on every dollar spent. That’s an amazing deal. I also love the simplicity of it. No categories to remember at all.
It also comes with Global Entry or TSA Pre-check Credit, no foreign transaction fees, and free employee cards.
The only downside to this card is the points network. Well, it’s not really a downside, it’s just something to be mindful of.
You’ll be collecting Capital One points which can be transferred to these partners:
- Air France KLM
- Air Canada
- Asia Miles
- Avianca LifeMiles
- Emirates Skywards
- Etihad Airways
- EVA Air
- Hainan Airlines
- Qatar Airways
- Singapore Airlines
Emirates, Etihad, EVA, and Singapore are all amazing airlines. As long as you enjoy international travel, you’ll get a good use of your points. Other than JetBlue, there aren’t any US-based airline partners. You’ll still be able to book US flights through other airlines or through the Capital One travel portal. But you won’t have as much flexibility as other points programs. Not a deal-breaker by any means, just something to watch out for in case you have a strong preference on airlines.
There is an annual fee of $95 which is waived the first year. That’s extremely reasonable for the value that you get out of this card.
American Express Business Gold Card Review
The American Express Gold card gives you a ton of points and flexibility on how to earn those points.
Here’s how it works.
The Gold card has 6 categories of spending:
- Airfare purchased directly from airlines
- U.S. purchases for advertising in select media (online, TV, radio)
- U.S. purchases made directly from select technology providers of computer hardware, software, and cloud solutions
- U.S. purchases at gas stations
- U.S. purchases at restaurants
- U.S. purchases for shipping
Each month, you’ll earn 4X points on the top two categories. So wherever you spend the most, you’ll get bonus points. This applies to the first $150,000 in spending for the year. Once you’ve gotten 4X points on $150,000 worth of spending, you’ll get 1 point on everything after that.
And you get 1 point on all other purchases.
This gives you a ton of flexibility. Let’s say you get a huge advertising bill one month and a giant software annual contract the following month. It’s possible to get 4X points on both without any effort on your part.
No other card gets you this many points with this amount of flexibility. For point generation, it’s easily one of the best.
Keep in mind that these categories are only for US spending. If the bulk of you spending is international, you won’t be able to rack up enough bonus points for this card to be worth it.
Unlike some of the other American Express cards, you do have the ability to pay down purchases of $100 or more over time. You’ll get charged interest but it is an option. Every purchases under $100 must be paid in full every month. While I always recommend paying every card in full each month, this option does give you some cash flow flexibility on large purchases when your business needs it.
There are no foreign transaction fees to worry about.
You also get two travel perks when you book hotels through The Hotel Collection with American Express Travel:
- $100 hotel credit, to spend on qualifying dining, spa, and resort activities.
- Room upgrade upon arrival, when available.
It does have a $295 annual fee which is on the high end. Since there aren’t many perks, make sure you can take full advantage of the 4X point categories.
Capital One® Spark® Cash for Business Review
I truly love the simplicity of this card.
2% cash back on everything. Super simple and a great return for not having to do anything
There aren’t any foreign transaction fees either so feel free to use this card for all your purchases. And the employee cards are free, helping you get more cash back across your company.
The only downside is the $95 annual fee. While it’s much smaller than other fees, this will ding the total value of the rewards a bit.
You’ll need to spend enough on the card to cover the annual fee and still come out ahead compared to a standard 1% cash back card without an annual fee. If you consistently spend $10,000 annually (about $830/month) on your card, you’ll get enough cash back on this card to justify the fee. If you spend less than that, you’ll get a better return from a 1% cash back card without an annual fee.
If you don’t travel much or want to keep things as simple as possible for your business, get this cash back card.
Ink Business Preferred Credit Card Review
The Chase Ink Business Preferred card is a point-earning machine. It’ll rack up more points than you’ll know what to do with.
Here’s how it works.
You’ll earn 3X points on the first $150,000 in combined spending each year on these categories:
- Shipping purchases
- Internet, cable and phone services
- Advertising purchases made with social media sites and search engines
If you spend a lot on travel and shipping, those could be big winners.
The other key category is the social media and search engine spending. Those advertising budgets can get quite large at many businesses. I’ve personally managed budgets as large as $170,000 per month in spending. If you’re already paying for this advertising, get the 3X points by using this card.
After that, you’ll earn 1 point for every $1.
If you max out the 3X spend limit, that’s 450,000 Chase Ultimate Rewards points every year.
Any business with $150,000 of annual spending or below in theses point categories should get this card.
The best part is these points are pretty valuable. They’re Chase Ultimate Reward points which is one of the top point programs. It has a ton of great partners with 1:1 points transfers. This means you’ll be able to book amazing flights and hotels with your points.
While there aren’t many perks on this card, that’s not really the point. This card is all about point generation for a very reasonable annual fee of $95.
And when your business is ready, it has free employee cards so their spending earns you even more points.
Capital One® Spark® Classic for Business Review
This is the ideal card for building credit.
First, the cash back is 1% on every purchase. Super easy and simple.
Second, there’s no annual fee and no foreign transaction fees. Employee cards are also free.
Third, it’s designed for folks with average credit so you have a much better chance at getting approved than the other cards in this list. If you’ve been denied by some of the better cards, try applying for this one. It’s a solid card to start with. Use it to build your credit and apply for one of the better rewards cards later on.
Yes, the APR is pretty high but that shouldn’t matter. Always pay your cards off in full every month. Otherwise none of the rewards will be worth it, you’ll pay more in interest charges than you’ll ever get back in rewards.
The Capital One Spark Classic gives you 1% cashback on everything, has no fees, and is easier to get approved for. That’s an ideal card for building credit.
Southwest Rapid Rewards Performance Business Credit Card Review
Normally, I wouldn’t recommend that someone commit to Southwest as their primary airline and points program. The lack of international flights and airline partners really limits the usefulness of the miles.
That said, Southwest could easily beat every other airline for you. It all comes down to the type of flying that you do.
If you often travel to smaller airports, Southwest could be a game-changer. They don’t have a traditional hub-and-spoke model like the major airlines. That means they have a lot more direct flights to and from smaller airports. Instead of flying small airport -> major hub -> small airport, you have a much better chance at going direct with Southwest.
As much as I like free international flights, I’d immediately make Southwest my primary airline if I traveled to smaller airports regularly for business. Cutting out connections easily makes it worth it to me.
If that’s you, I recommend getting the Southwest Rapid Rewards Performance Business card. Why not get some extra Southwest perks on flights you have to fly anyway?
Granted, it is possible to book flights on other carriers through the Southwest rewards portal. But in general, these portals don’t give deals that are as good as transferring points into airline programs directly.
You’ll get these perks when flying:
- 4 upgraded boardings every year when available
- Global Entry or TSA Pre✓® Fee Credit
- Inflight WiFi Credits
- 1,500 Tier Qualifying Points towards A-List and A-List Preferred status for every $10,000 spent, up to $100,000.
There are some bonus points but they’re generally not as strong as other card programs:
- 3 points per $1 spent at Southwest and at partners including Hertz, Marriott, Hyatt, and others
- 2 points per $1 spent on social media and search engine advertising, internet, cable, and phone services
- 1 points per $1 on all other purchases
- 9,000 anniversary points
Like most airline cards, I’d use a better rewards card to rack up cash back or points while using this card to get extra perks when flying Southwest.
There’s also no foreign transaction fees.
It all comes down to whether the perks are worth the $199 annual fee to you. If you fly Southwest often and the fee is worth the perks, get the card.
Platinum Delta SkyMiles Business Credit Card from American Express Review
The mile-earning potential on the Platinum Delta SkyMiles Business Credit Card is pretty limited so you won’t want to use this as your primary card.
- 3 miles per dollar on Delta purchases
- 1.5 miles per dollar on eligible purchases over $5,000
- 1 mile on all other eligible purchases
The perks are also good for Delta flyers.
You’ll get the standard airline perks like priority board and a free checked bag. Even if you fly a few times a year on Delta, this makes a huge difference.
This card could also help you super-charge your status progress. When you make $25,000 in eligible purchases on the card in a calendar year, you’ll earn 10,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs). And when you make $50,000 in eligible purchases on the card in the same calendar year and earn an extra 10,000 bonus miles and 10,000 MQMs.
This will help a lot if you’re trying to get to the highest levels of Delta status. But it does require that you use your Delta card for purchases. Since you’d have to give up higher value points by not using another card, the costs can be substantial. Let’s say that you only earn one Delta mile per dollar on $50,000 worth of spending. You’d be giving up 100,000-150,0000 points by not using another card that gives 2-3X points on those same purchases. That’s a lot of points. Only use this card to pursue Delta status if you’re already maxing out bonus categories on your primary spending card or you have a lot of purchases throughout the year that would only earn you 1 point per dollar anyway.
The card does come with an $250 Annual fee but no foreign transaction fee. When you factor in the companion fare, that’s an amazing deal.
If you fly Delta often and the Delta perks are worth the annual fee to you, get this card. Just don’t make it your primary spending card for your business.
CitiBusiness / AAdvantage Platinum Select Mastercard Review
Like most airline loyalty cards, consider the CitiBusiness / AAdvantage Platinum Select Mastercard if you fly American Airlines often. You’ll get a nice set of perks that are worth the annual fee. But avoid using this card for most purchases since the miles-earning power is limited.
You’ll get these perks when flying American:
- Priority boarding
- Free checked bag for you and up to 4 companions
- 25% discount on in-flight wifi
- 25% discount on in-flight food and beverage purchases
And you’ll earn these miles:
- Earn 2 miles for every $1 spent on cable and satellite providers, eligible American Airlines purchases, gas stations, select telecommunications merchants, and car rentals.
- Earn 1 mile for every $1 spent on other purchases.
While you do get double miles across a large number of categories, it is limited to only 2X miles when other business cards give out 3X and higher points on their top categories. I’d only use this card for spending categories that your primary card only gives 1X points on.
You can earn a companion certificate for domestic travel after spending $30,000. But since this card doesn’t earn a ton of points, you’ll have to give up points that you could have earned on another card. This significantly devalues the companion certificate. Because of this, I wouldn’t factor this into your decision on whether or not to get the card.
It has a $99 annual fee that is waived for the first year. And no foreign transaction fees to worry about.
Get this card if you fly American Airlines regularly and the extra perks are worth the $99 annual fee. It also makes for a good secondary card for getting bonus miles on spending categories that your primary card doesn’t cover.
Hilton Honors American Express Business Card Review
I highly recommend getting a hotel loyalty card if you travel often for business. When I travel, the consistency and dependability that comes from staying at the same hotels gives me more time and energy to focus on whatever objectives that I have for my business.
Since I’m staying at the same hotels consistently, a hotel card gets me extra perks and helps me rack up more points. The Hilton Honors American Express Business Card is one of the best.
This card will earn you a ton of points:
- 12X points per dollar for purchases at Hilton hotels
- 6X points on business on U.S. gas stations, wireless telephone services purchases directly from U.S. service providers, U.S. purchases for shipping, U.S. restaurants, flights booked directly with airlines or with Amex Travel, and car rentals booked directly from select car rental companies
- 3X Points per dollar on other purchases
Yes, that’s a lot of points across a lot of spending categories. The point-earning is so good on this card that you could consider making it your primary spending card. The only downside is that these points will be Hilton Honors points which are great as long as you’re planning on using them for Hilton redemptions. They’ll have less flexibility and value when trying to get international flights or nights at other hotels.
You’ll also get Gold Status with Hilton. This includes perks like late-checkout, free breakfast, free upgrades when available, and 5th standard reward night for free. It’s only one level below their top tier: Diamond.
At different spending levels, you’ll unlock several great perks:
- $15,000 gets a free weekend night award
- $40,000 earns you Hilton Honors Diamond status
- $60,000 gets a second free weekend night award
And since the point-earning is strong on this card, there’s no major downside for using it regularly on purchases. I recommend using it as a secondary card for purchases categories that don’t get bonus points on your primary card. Many businesses will be able to hit these spending levels to unlock those amazing perks.
All this for a very reasonable $95 annual fee. If you stay at Hilton hotels a few times a year, it’s absolutely worth it.
United Business Card Review
The United Business Card is a great option if you fly United a lot.
You can earn some bonus points with this card:
- 2 miles per $1 at gas stations and office supply stores
- 2 miles per $1 on purchases from United
All other purchases get 1 mile per dollar.
But honestly, the miles earning power isn’t great when other cards that produce 3X or 4X points which can be transferred into United at a 1:1 point transfer.
The real advantage from this card (like all airline cards) comes from the United perks that you get when flying:
- Priority boarding
- Free checked bag
- 2 United club passes per year
Employee cards are also free and there aren’t any foreign transaction fees.
All for a reasonable $95 annual fee
Are the United perks worth $95/year to you? If so, get the card. If not, skip it. It’s that simple.
Marriott Bonvoy Business American Express Card Review
If you travel a lot for your business, you should absolutely consider a hotel loyalty card. And the Marriot Bonvoy Business Card is one of the best options.
First, you get serious point-earning potential with this card:
- 6X points at participating Marriott Bonvoy hotels
- 4X points at U.S. restaurants, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers, and U.S. purchases for shipping
- 2X points on all other purchases
You’ll also get put on the fast-track for getting higher tiers of status at Marriott hotels.
First, you get complimentary Silver Elite Status. This gets you 10% bonus points, priority late check-out, and a dedicated reservation line.
Second, you receive credit for 15 nights towards the next level of Marriott Bonvoy Elite status each calendar year. This makes it a lot easier to unlock higher status levels with even better perks. If you’re trying to get into the highest tiers, this perk is essential.
On top of all that, you’ll get up to two free nights per year:
- 1 Free Night Award every year after your Card account anniversary.
- 1 Free Night Award after you spend $60K in purchases in a calendar year
It also comes with complimentary in-room, premium Internet access during your stays.
There’s no foreign transaction fees to worry about either.
While it is possible to transfer Marriot points into partner programs, the transfer rate is usually 3:1 which is pretty terrible. That negates most of the point-earning power of the card. So if you get this card, I’d plan on using points exclusively at Marriott properties. You’ll easily get the most value that way.
The annual fee is only $125 too. The free night award covers this on its own.
If you travel regularly for business, I strongly recommend getting a hotel loyalty card like the Marriott Bonvoy Business.
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