Pros:
100,000 bonus points after you spend $15,000 in the first three monthsFree fraud and purchase protectionFree employee cardsNo foreign transaction fees
Cons:
Charges a $95 annual feeDoes not offer a 0% intro APR periodAPR between 20.49% and 25.49% depending on your creditworthiness
Pros:
No caps on pointsNo foreign transaction fees1.5% early-pay discount if you pay your bill 10 days before it’s dueHave up to 60 days to pay without interest accruing
Cons:
$250 annual feeZero introductory rewards
Pros:
$0 annual fee
0% intro APR for the first 18 billing cycles
Cons:
Zero rewards3% balance transfer fee$0 intro bonus
Pros:
$0 annual fee0% intro APR for the first 12 monthsSpend beyond your credit limit
Cons:
Cashback is capped at $50,000
Once you have narrowed that down, compare similar cards. Does one have a longer 0% APR period? Are the rewards greater with one card but don’t actually match up with your company’s spending needs? It may be to your advantage to settle for unlimited 1% cashback, for example, if you never spend money on traditional cashback items. Finally, compare APRs and fees. Don’t assume you’ll be able to pay off the balance each month; there may be a month where you’re awaiting payment for a large order. Also, don’t assume two cards come with the same set of fees. Cards that appear quite similar often have different fees.
Brex Business Credit CardBusiness Platinum Card® from American ExpressMarriott Bonvoy Business® American Express® Card
