LoanPal's pick
Chase ·
Ink Business Cash® Credit Card
No annual fee
9.5/10
5% on business essentials (cap $25K)
$750–1,000 after $8,000/4mo
0% intro 12mo; 16.74%–24.74%
Cards · Calculators · Guides · 6 paths
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American Express ·
Blue Cash Preferred® Card from American Express
$95 annual fee
9.3/10
6% cash back on groceries at U.S. supermarkets (cap applies); 6% cash back at U.S. supermarkets on up to $6K/year, then 1%
Earn up to $300 cash back as a statement credit after spending $3,000 in purchases in the first 6 months; 0% intro APR on purchases and balance transfers for 12 months
19.49%-28.49%
Discover ·
Discover it® Cash Back
No annual fee
9.3/10
5% cash back on everyday purchases at different places each quarter (activation required, up to quarterly max), 1% on all other purchases
Unlimited Cashback Match - Discover matches all cash back earned in the first year
0% intro for 15 months on purchases and balance transfers; 17.49%-26.49% variable after
Chase ·
Ink Business Preferred® Credit Card
$95 annual fee
9.3/10
3X travel/business (cap $150K)
100,000 pts after $8,000/3mo
17.74%–26.74%
Capital One ·
Spark 1.5% Cash Select
No annual fee
9.3/10
1.5% everywhere, 5% hotel/rental
$750 after $6,000/3mo
0% intro 9mo; 16.74%–26.74%
Calculators
Run the numbers for cash back
Balance transfer calculator
Does a balance transfer actually save you money?
- Transfer fee vs. the interest you’d otherwise pay
- See what’s left when the 0% window ends
- Find the monthly payment that clears it in time
You’d save
$1,764
Transfer fee
Interest after intro
Saved vs. staying
$7,900
22.25%
$400
0% intro period
Transfer fee
20.24%
Interest if you stay$2,029
Left when 0% ends$937
Pay $452/mo to clear it before the 0% window closes · no new purchases
All cards · compared
555 cards. One table.
| Welcome offer | Rewards rate | APR | |||
|---|---|---|---|---|---|
IHG One Rewards Premier Business Chase · Travel Rewards $99 annual fee | 9.6/10 | 140,000 pts after $4,000/3mo | Up to 26X pts at IHG | 19.24%–27.74% | → |
IHG One Rewards Premier Business Credit Card Chase · Travel Rewards $99 annual fee | 9.6/10 | Earn 140,000 Bonus Points after spending $4,000 in the first 3 months from account opening. | Earn IHG One Rewards points on every purchase. Up to 26X total points per $1 spent when you stay at IHG® Hotels and Resorts. | 19.24%–27.74% variable APR | → |
Chase Sapphire Preferred® Chase · Travel Rewards $95 annual fee | 9.5/10 | Earn 75,000 points after you spend $5,000 on purchases in the first 3 months from account opening. | Earn 5x points on Chase TravelSM purchases and 2x points on all other travel. | 19.24%–27.49% variable APR | → |
Chase Sapphire Preferred® Credit Card Chase · Travel Rewards $95 annual fee | 9.5/10 | Earn 75,000 points after you spend $5,000 on purchases in the first 3 months | 5x points on Chase Travel purchases, 2x on other travel, 3x dining | 19.24%–29.99% | → |
IHG One Rewards Premier Credit Card Chase · Travel Rewards $99 annual fee | 9.5/10 | 140,000 pts after $3,000/3mo | Up to 26X pts at IHG | 19.24%–29.99% | → |
Ink Business Cash® Credit Card Chase · Cash Back No annual fee | 9.5/10 | $750–1,000 after $8,000/4mo | 5% on business essentials (cap $25K) | 0% intro 12mo; 16.74%–24.74% | → |
Marriott Bonvoy Boundless® Credit Card Chase · Travel Rewards $95 annual fee | 9.5/10 | 3 Free Night Awards after $3,000/3mo | Up to 17X pts, free night/yr, Silver Elite | 19.24%–29.99% | → |
Air Canada Aeroplan® Credit Card Chase · Travel Rewards $195 annual fee | 9.4/10 | Earn up to 115,000 bonus points. Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months your account is open. Plus, 40,000 bonus points after you spend $20,000 on purchases in the first 12 months. | Enjoy automatic Aeroplan Elite Status. Earn up to 5X total points on purchases made directly with Air Canada and 3X points on travel purchases. Plus, up to $100 in annual Air Canada statement credits. | 19.74%–28.24% variable APR | → |
Discover it® Secured Cash Back Discover · Build Credit No annual fee | 9.4/10 | Unlimited cashback match yr 1 | 5% rotating categories (activation), 1% other | Not disclosed | → |
IHG One Rewards Traveler Credit Card Chase · Travel Rewards No annual fee | 9.4/10 | 80,000 pts after $2,000/3mo | Up to 17X pts at IHG | 19.24%–29.99% | → |
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