{"id":120276,"date":"2024-08-22T21:00:02","date_gmt":"2024-08-22T21:00:02","guid":{"rendered":"https:\/\/entertainment.runfyers.com\/index.php\/2024\/08\/22\/best-credit-cards-with-no-preset-spending-limits-the-points-guy\/"},"modified":"2024-08-22T21:00:02","modified_gmt":"2024-08-22T21:00:02","slug":"best-credit-cards-with-no-preset-spending-limits-the-points-guy","status":"publish","type":"post","link":"https:\/\/entertainment.runfyers.com\/index.php\/2024\/08\/22\/best-credit-cards-with-no-preset-spending-limits-the-points-guy\/","title":{"rendered":"Best credit cards with no preset spending limits &#8211; The Points Guy"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p>When comparing different <a href=\"https:\/\/thepointsguy.com\/credit-cards\/travel\/\" rel=\"noopener noreferrer\" target=\"_blank\">travel rewards cards<\/a>, most are nearly identical regarding the mechanics of making purchases and paying off balances. There is an exception, though: cards with no preset spending limits.<\/p>\n<p><a href=\"https:\/\/thepointsguy.com\/credit-cards\/american-express\/\" rel=\"noopener\" target=\"_blank\">American Express<\/a> may be the first issuer that comes to your mind, but other banks also issue cards with no preset spending limits.<\/p>\n<p>Unlike traditional credit cards with a set limit, cards without a preset spending limit have flexible purchasing power. This purchasing power adapts based on factors like your creditworthiness, payment history and history with that issuer. Generally, you must pay your balance in full with these cards (which you should be doing anyway), though they may offer pay-over-time features.<\/p>\n<p>Here&#8217;s everything you need to know about the best cards with no preset spending limit.<\/p>\n<p><a id=\"overview-of-the-best-no-preset-spending-limit-cards\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Overview of the best no preset spending limit cards<\/h2>\n<p><em>The information for the Amex Green card and Amex Business Green Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.<\/em><\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/01\/GettyImages-1340977673.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/01\/GettyImages-1340977673.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/01\/GettyImages-1340977673.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/01\/GettyImages-1340977673.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/01\/GettyImages-1340977673.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/01\/GettyImages-1340977673.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/01\/GettyImages-1340977673.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/01\/GettyImages-1340977673.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/01\/GettyImages-1340977673.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">OSCAR WONG\/GETTY IMAGES<\/figcaption><\/figure>\n<p>American Express also issues two other valuable cards, The Centurion\u00ae Card from American Express and The Business Centurion\u00ae Card from American Express. These exclusive products are <a href=\"https:\/\/thepointsguy.com\/news\/you-can-now-request-an-invite-to-the-amex-centurion-card\/\" rel=\"noopener noreferrer\" target=\"_blank\">available by invitation only<\/a> for high spenders. Given their hefty fees (a $10,000 initiation fee plus an ongoing $5,000 annual fee) and the fact not just anyone can apply, these cards aren&#8217;t on our list.<\/p>\n<p><em>The information for the Amex Centurion and Amex Business Centurion cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.<\/em><\/p>\n<p>Before analyzing each card, let&#8217;s compare the features you care about most.<\/p>\n<div class=\"&#10;        EmailSignUp_container__qYzYT&#10;        undefined&#10;        EmailSignUp_isLoading__i_qm0&#10;      \"><picture class=\"EmailSignUp_graphic__zgpFm\"><source media=\"screen and (max-width: 767px)\" srcset=\"\/images\/EmailSignUp\/daily-mob.svg\"\/><img decoding=\"async\" alt=\"\" src=\"https:\/\/thepointsguy.com\/images\/EmailSignUp\/daily-dt.svg\"\/><\/picture>\n<div class=\"EmailSignUp_form__C8FWb\">\n<p>Daily Newsletter<\/p>\n<p>Reward your inbox with the TPG Daily newsletter<\/p>\n<p>Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG\u2019s experts<\/p>\n<\/div>\n<\/div>\n<p><a id=\"comparing-the-best-no-preset-spending-limit-cards\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Comparing the best no preset spending limit cards<\/h2>\n<div class=\"jsx-3297233758 tpg-table has-sticky-left-column \">\n<div tabindex=\"0\" class=\"jsx-3297233758\">\n<table class=\"jsx-3297233758\">\n<thead class=\"jsx-3297233758\">\n<tr class=\"jsx-3297233758\">\n<th class=\"jsx-3297233758\"><strong>Card name<\/strong><\/th>\n<th class=\"jsx-3297233758\"><strong>Earning rates<\/strong><\/th>\n<th class=\"jsx-3297233758\"><strong>Key benefits<\/strong><\/th>\n<th class=\"jsx-3297233758\"><strong>Annual fee<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"jsx-3297233758\">\n<tr class=\"jsx-3297233758\">\n<td><strong>The Platinum Card\u00ae from American Express<\/strong><\/td>\n<td>\n<ul>\n<li>5 Membership Rewards points per dollar on flights booked with Amex Travel, up to $500,000 of these purchases per year (then 1 point per dollar)<\/li>\n<li>5 points per dollar on prepaid hotels booked with Amex Travel<\/li>\n<li>1 point per dollar on other purchases<\/li>\n<\/ul>\n<\/td>\n<td>\n<p><em>Enrollment is required in advance for select benefits. You must have downloaded the latest version of the Uber App and your eligible American Express Gold Card must be a method of payment in your Uber account.<\/em><\/p>\n<\/td>\n<td>$695 (see <a href=\"https:\/\/thepointsguy.com\/apply\/the-business-platinum-card-from-american-express-rates-fees\/?tid=post\" target=\"_blank\" rel=\"noopener\">rates and fees<\/a>)<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td><strong>The Business Platinum Card\u00ae from American Express<\/strong><\/td>\n<td>\n<ul>\n<li>5 Membership Rewards points per dollar on flights and prepaid hotels at AmexTravel.com<\/li>\n<li>1.5 points per dollar on purchases of $5,000 or more or purchases in select business categories, up to $2 million of combined purchases in these categories per year (then 1 point per dollar)<\/li>\n<li>1 point per dollar on other purchases<\/li>\n<\/ul>\n<\/td>\n<td>\n<ul>\n<li>Access to <a href=\"https:\/\/thepointsguy.com\/guide\/the-ultimate-guide-to-amex-centurion-lounges\/\" target=\"_blank\" rel=\"noopener\">American Express Centurion lounges<\/a>, <a href=\"https:\/\/thepointsguy.com\/guide\/ultimate-guide-delta-sky-club-access\/\" target=\"_blank\" rel=\"noopener\">Delta Sky Club lounges<\/a> (when flying with Delta)*, <a href=\"https:\/\/thepointsguy.com\/guide\/all-about-priority-pass-program\/\" target=\"_blank\" rel=\"noopener\">Priority Pass Select lounges<\/a>, Escape Lounges \u2014 The Centurion Studio Partner, Airspace lounges, Plaza Premium lounges, Lufthansa lounges and other Global Lounge Collection partner lounges<\/li>\n<li><a href=\"https:\/\/thepointsguy.com\/guide\/amex-platinum-hotel-elite-status\/\" target=\"_blank\" rel=\"noopener\">Complimentary Gold status with Marriott Bonvoy and Hilton Honors<\/a><\/li>\n<li>Up to $200 in annual airline incidental credits<\/li>\n<li>Up to $120 in annual wireless phone service credits<\/li>\n<li>Over $1,200 in annual credits are available, including Adobe, Indeed and Dell (Those credits end Dec. 31)<\/li>\n<li>Up to $199 in statement credits to reimburse your annual Clear Plus membership<\/li>\n<li>Up to $100 credit for Global Entry or TSA PreCheck application fee<\/li>\n<li>35% points rebate on select flights using Pay with Points at Amex Travel<\/li>\n<\/ul>\n<p><em>Enrollment is required in advance for select benefits.<\/em><\/p>\n<\/td>\n<td>$695 (see <a href=\"https:\/\/thepointsguy.com\/apply\/the-business-platinum-card-from-american-express-rates-fees\/?tid=post\" target=\"_blank\" rel=\"noopener\">rates and fees<\/a>)<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td><strong>American Express\u00ae Gold Card<\/strong><\/td>\n<td>\n<ul>\n<li>4 Membership Rewards points per dollar at restaurants, up to $50,000 in purchases per year (then 1 point per dollar)<\/li>\n<li>4 points per dollar at U.S. supermarkets, up to $25,000 of these purchases per year (then 1 point per dollar)<\/li>\n<li>3 points per dollar on flights booked directly with airlines or at AmexTravel.com<\/li>\n<li>1 point per dollar on other purchases<\/li>\n<\/ul>\n<\/td>\n<td>\n<ul>\n<li>Up to $120 in annual dining credits with select merchants<\/li>\n<li>Up to $120 in annual Uber Cash for rides or Uber Eats orders in the U.S.<\/li>\n<li>Up to $100 in annual Resy credits<\/li>\n<li>Up to $84 in Dunkin&#8217; credits<\/li>\n<\/ul>\n<p><em>You must have downloaded the latest version of the Uber App and your eligible American Express Gold Card must be a method of payment in your Uber account. Enrollment is required in advance for select benefits.<\/em><\/p>\n<\/td>\n<td>$325 (see <a href=\"https:\/\/thepointsguy.com\/apply\/american-express-gold-card-rates-fees\/?tid=post\" target=\"_blank\" rel=\"noopener\">rates and fees<\/a>)<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td><strong>American Express\u00ae Business Gold Card<\/strong><\/td>\n<td>\n<ul>\n<li>4 Membership Rewards points per dollar in the two categories where you spend the most each month, up to $150,000 of these purchases per year (then 1 point per dollar)<\/li>\n<li>3 Membership rewards points per dollar on flights and prepaid hotels booked on AmexTravel.com<\/li>\n<li>1 point per dollar on other purchases<\/li>\n<\/ul>\n<\/td>\n<td>\n<ul>\n<li>Up to 99 employee cards, $95 annual fee for the first five, then a $95 annual fee for each card after (see <a href=\"https:\/\/thepointsguy.com\/apply\/american-express-business-gold-card-rates-fees\/?tid=post\" target=\"_blank\" rel=\"noopener\">rates and fees<\/a>)<\/li>\n<\/ul>\n<\/td>\n<td>$375 (see <a href=\"https:\/\/thepointsguy.com\/apply\/american-express-business-gold-card-rates-fees\/?tid=post\" target=\"_blank\" rel=\"noopener\">rates and fees<\/a>)<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td><strong>American Express\u00ae Green Card<\/strong><\/td>\n<td>\n<ul>\n<li>3 Membership Rewards points per dollar at restaurants worldwide<\/li>\n<li>3 points per dollar on travel and transit<\/li>\n<li>1 point per dollar on other purchases<\/li>\n<\/ul>\n<\/td>\n<td>\n<ul>\n<li>Up to $189 credit for annual Clear Plus membership<\/li>\n<li>Up to $100 in annual LoungeBuddy credits<\/li>\n<\/ul>\n<p><em>Enrollment is required in advance for select benefits.<\/em><\/p>\n<\/td>\n<td>$150<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td><strong>Business Green Rewards Card from American Express<\/strong><\/td>\n<td>\n<ul>\n<li>2 Membership Rewards points per dollar on purchases at AmexTravel.com<\/li>\n<li>1 point per dollar on other purchases<\/li>\n<\/ul>\n<\/td>\n<td>\n<ul>\n<li>Up to 99 employee cards with no additional annual fee (see rates and fees)<\/li>\n<\/ul>\n<\/td>\n<td>$95<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td><strong>The Plum Card\u00ae from American Express<\/strong><\/td>\n<td>\n<ul>\n<li>1.5% back as a statement credit for any eligible charges paid within 10 days of statement closing<\/li>\n<\/ul>\n<\/td>\n<td>\n<ul>\n<li>Up to 99 employee cards with no additional annual fee (see rates and fees)<\/li>\n<\/ul>\n<\/td>\n<td>$250 (see <a href=\"https:\/\/thepointsguy.com\/apply\/the-plum-card-from-american-express-rates-fees\/?tid=post\" target=\"_blank\" rel=\"noopener\">rates and fees<\/a>)<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td><strong>Capital One Spark Cash Plus<\/strong><\/td>\n<td>\n<ul>\n<li>5% cash back on hotels and rental cars booked through Capital One Travel<\/li>\n<li>2% back on other purchases<\/li>\n<\/ul>\n<\/td>\n<td>\n<ul>\n<li>$150 annual fee refunded every year you make $150,000 or more in purchases with your card<\/li>\n<li>No additional annual fee for employee cards<\/li>\n<li>Use virtual card numbers for payment security<\/li>\n<\/ul>\n<\/td>\n<td>$150<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td><strong>Capital One Venture X Business<\/strong><\/td>\n<td>\n<ul>\n<li>10 miles per dollar on hotels and rental cars booked through the Capital One travel portal<\/li>\n<li>5 miles per dollar on flights booked through the Capital One travel portal<\/li>\n<li>2 miles on other purchases<\/li>\n<\/ul>\n<\/td>\n<td\/>\n<td>$395<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td><strong>Ink Business Premier Credit Card<\/strong><\/td>\n<td>\n<ul>\n<li>5% cash back on purchases through the Chase portal<\/li>\n<li>2.5% back on purchases of $5,000 or more<\/li>\n<li>2% back on other purchases<\/li>\n<\/ul>\n<\/td>\n<td>\n<ul>\n<li>No additional annual fee for employee cards<\/li>\n<\/ul>\n<\/td>\n<td>$195<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<p><em>*Effective February 1, 2025: Eligible Platinum Card Members will receive 10 Visits per Eligible Platinum Card per year to the Delta Sky Club or to Grab and Go when traveling on a same-day Delta-operated flight.<\/em><\/p>\n<p><a id=\"more-details-on-the-best-no-preset-spending-limit-cards\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">More details on the best no preset spending limit cards<\/h2>\n<p>These cards have no preset spending limit, meaning there&#8217;s no predefined limit to how much you can spend on the card. That doesn&#8217;t mean you can spend unlimited amounts, however. Your spending ability adapts over time, as discussed in the FAQ below.<\/p>\n<p>That said, you may be able to carry a balance on these cards, similar to what you can do on a credit card. For example, American Express <a href=\"https:\/\/thepointsguy.com\/credit-cards\/your-ultimate-guide-to-amex-pay-over-time\/\" rel=\"noopener noreferrer\" target=\"_blank\">Pay Over Time<\/a> allows cardmembers to carry a balance from one month to the next, with variable interest rates applied. Even if you never use this feature, it could be worth enrolling if you receive a targeted offer \u2014 sometimes <a href=\"https:\/\/thepointsguy.com\/credit-cards\/amex-pay-over-time-enrollment-bonus\/\" rel=\"noopener\" target=\"_blank\">up to 20,000 bonus points for enrolling<\/a>.<\/p>\n<p>Let&#8217;s look at the details of each of these cards, including their welcome offers, bonus categories and some of their best benefits.<\/p>\n<h3>The Platinum Card from American Express<\/h3>\n<p><strong>Current welcome offer: <\/strong>Earn 80,000 bonus Membership Rewards points after spending $8,000 on purchases in the first six months of card membership. TPG&#8217;s August 2024 <a href=\"https:\/\/thepointsguy.com\/guide\/monthly-valuations\/\" rel=\"noopener\" target=\"_blank\">valuations<\/a> peg this bonus at $1,600.<\/p>\n<p><strong>Annual fee: <\/strong>$695 (see <a href=\"https:\/\/thepointsguy.com\/apply\/the-platinum-card-from-american-express-rates-fees\/?tid=post\" rel=\"noopener\" target=\"_blank\">rates and fees<\/a>)<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/05\/American-Express-Platinum.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/05\/American-Express-Platinum.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/05\/American-Express-Platinum.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/05\/American-Express-Platinum.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/05\/American-Express-Platinum.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/05\/American-Express-Platinum.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/05\/American-Express-Platinum.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/05\/American-Express-Platinum.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/05\/American-Express-Platinum.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">THE POINTS GUY<\/figcaption><\/figure>\n<p><strong>Earning rates: <\/strong>You&#8217;ll earn 5 Membership Rewards points per dollar on flights booked directly with airlines or with Amex Travel, up to $500,000 of these purchases per year (then 1 point per dollar), 5 points per dollar on prepaid hotels booked with Amex Travel and 1 point per dollar on other purchases.<\/p>\n<p><strong>Why we like it: <\/strong>If you&#8217;re looking for a no-preset-spending-limit card with luxury perks, this is it. You&#8217;ll get unmatched <a href=\"https:\/\/thepointsguy.com\/credit-cards\/american-express-platinum-lounge-access\/\" rel=\"noopener\" target=\"_blank\">airport lounge access<\/a> and over <a href=\"https:\/\/thepointsguy.com\/credit-cards\/is-amex-platinum-worth-fee\/\" rel=\"noopener\" target=\"_blank\">$1,500 in available statement credits each year<\/a> to offset shopping, travel, streaming and airport security program expenses \u2014 including <a href=\"https:\/\/thepointsguy.com\/credit-cards\/guide-to-using-the-amex-platinum-clear-credit\/\" rel=\"noopener\" target=\"_blank\">reimbursement for your Clear Plus membership fee<\/a> and <a href=\"https:\/\/thepointsguy.com\/guide\/global-entry-vs-tsa-precheck\/\" rel=\"noopener\" target=\"_blank\">Global Entry or TSA PreCheck<\/a> application fee. You&#8217;ll also earn an unmatched <a href=\"https:\/\/thepointsguy.com\/credit-cards\/american-express\/maximizing-amex-platinum\/#5-points-per-dollar-on-airfare-and-hotels\" rel=\"noopener\" target=\"_blank\">5 points per dollar on flight and hotel purchases<\/a> through Amex Travel and can enroll for <a href=\"https:\/\/thepointsguy.com\/guide\/amex-platinum-hotel-elite-status\/\" rel=\"noopener\" target=\"_blank\">complimentary Gold status with Marriott Bonvoy and Hilton Honors<\/a>.<\/p>\n<p>Note that enrollment is required in advance for some benefits.<\/p>\n<p>For more details, check out our <a href=\"https:\/\/thepointsguy.com\/credit-cards\/reviews\/amex-platinum-review\/\" rel=\"noopener\" target=\"_blank\">full review of the Amex Platinum card<\/a>.<\/p>\n<hr class=\"jsx-3272990499\"\/>\n<p><strong>Apply here: <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/the-platinum-card-from-american-express\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">The Platinum Card from American Express<\/a><\/span><\/strong><\/p>\n<hr class=\"jsx-3272990499\"\/>\n<h3>The Business Platinum Card from American Express<\/h3>\n<p><strong>Current welcome offer:<\/strong> Earn 150,000 bonus Membership Rewards points after you spend $20,000 on eligible purchases with the Business Platinum Card within the first 3 months of card membership. TPG&#8217;s August 2024 <a href=\"https:\/\/thepointsguy.com\/guide\/monthly-valuations\/\" rel=\"noopener\" target=\"_blank\">valuations<\/a> peg this bonus at a whopping $3,000.<\/p>\n<p><strong>Annual fee:<\/strong> $695 (see <a href=\"https:\/\/thepointsguy.com\/apply\/the-business-platinum-card-from-american-express-rates-fees\/?tid=post\" rel=\"noopener\" target=\"_blank\">rates and fees<\/a>)<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/12\/American-Express-Business-Platinum_1_2022_CCHH.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/12\/American-Express-Business-Platinum_1_2022_CCHH.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/12\/American-Express-Business-Platinum_1_2022_CCHH.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/12\/American-Express-Business-Platinum_1_2022_CCHH.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/12\/American-Express-Business-Platinum_1_2022_CCHH.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/12\/American-Express-Business-Platinum_1_2022_CCHH.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/12\/American-Express-Business-Platinum_1_2022_CCHH.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/12\/American-Express-Business-Platinum_1_2022_CCHH.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/12\/American-Express-Business-Platinum_1_2022_CCHH.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">THE POINTS GUY<\/figcaption><\/figure>\n<p><strong>Earning rates: <\/strong>You&#8217;ll earn 5 Membership Rewards points per dollar on flights and prepaid hotels at AmexTravel.com, 1.5 points per dollar on purchases of $5,000 or more or purchases in select business categories \u2014 on up to $2 million in combined purchases in these categories per year (then 1 point per dollar) and 1 point per dollar on other purchases. Eligible business categories include electronic goods retailers, shipping providers, software, cloud service providers, and construction materials and hardware supplies.<\/p>\n<p><strong>Why we like it: <\/strong>Similar to the Amex Platinum above, the Amex Business Platinum card has no preset spending limit and a ton of perks to justify its annual fee. You&#8217;ll have unparalleled <a href=\"https:\/\/thepointsguy.com\/credit-cards\/american-express-platinum-lounge-access\/\" rel=\"noopener\" target=\"_blank\">airport lounge access<\/a> and nearly <a href=\"https:\/\/thepointsguy.com\/credit-cards\/american-express\/is-amex-business-platinum-worth-fee\/#annual-spending-credits\" rel=\"noopener\" target=\"_blank\">$1,500 in available statement credits each year<\/a> to offset business, travel and airport security program expenses \u2014 including <a href=\"https:\/\/thepointsguy.com\/credit-cards\/guide-to-using-the-amex-platinum-clear-credit\/\" rel=\"noopener\" target=\"_blank\">reimbursement for your Clear Plus membership fee<\/a> and <a href=\"https:\/\/thepointsguy.com\/guide\/global-entry-vs-tsa-precheck\/\" rel=\"noopener\" target=\"_blank\">Global Entry or TSA PreCheck<\/a> application fee. You also can enroll for <a href=\"https:\/\/thepointsguy.com\/guide\/amex-platinum-hotel-elite-status\/\" rel=\"noopener\" target=\"_blank\">complimentary Gold status with Marriott Bonvoy and Hilton Honors<\/a> and can <a href=\"https:\/\/thepointsguy.com\/credit-cards\/amex-travel-guide\/\" rel=\"noopener\" target=\"_blank\">get 35% of your points back when using Pay with Points<\/a> for eligible flights booked with <a href=\"https:\/\/thepointsguy.com\/credit-cards\/amex-travel-guide\/\" rel=\"noopener\" target=\"_blank\">Amex Travel<\/a>.<\/p>\n<p>Note that enrollment is required in advance for some benefits.<\/p>\n<p>For more details, check out our <a href=\"https:\/\/thepointsguy.com\/credit-cards\/reviews\/amex-business-platinum-card-review\/\" rel=\"noopener\" target=\"_blank\">full review of the Amex Business Platinum card<\/a>.<\/p>\n<hr class=\"jsx-3272990499\"\/>\n<p><strong>Apply here: <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/the-enhanced-business-platinum-card-from-american-express-open\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">The Business Platinum Card from American Express<\/a><\/span><\/strong><\/p>\n<hr class=\"jsx-3272990499\"\/>\n<h3>American Express Gold Card<\/h3>\n<p><strong>Current welcome offer: <\/strong>Earn 60,000 Membership Rewards points after spending $6,000 in the first six months. Plus receive 20% back in statement credits on global restaurants up to $100 in the first six months of card membership. This offer ends Nov. 6. <a href=\"https:\/\/thepointsguy.com\/guide\/monthly-valuations\/\" rel=\"noopener\" target=\"_blank\">TPG&#8217;s August 2024 valuations peg<\/a> this bonus at up to $1,300.<\/p>\n<p><strong>Annual fee:<\/strong> $325 (see <a href=\"https:\/\/thepointsguy.com\/apply\/american-express-gold-card-rates-fees\/?tid=post\" rel=\"noopener\" target=\"_blank\">rates and fees<\/a>)<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/07\/American-Express-Gold-Rose-Gold-and-White-Gold.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/07\/American-Express-Gold-Rose-Gold-and-White-Gold.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/07\/American-Express-Gold-Rose-Gold-and-White-Gold.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/07\/American-Express-Gold-Rose-Gold-and-White-Gold.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/07\/American-Express-Gold-Rose-Gold-and-White-Gold.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/07\/American-Express-Gold-Rose-Gold-and-White-Gold.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/07\/American-Express-Gold-Rose-Gold-and-White-Gold.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/07\/American-Express-Gold-Rose-Gold-and-White-Gold.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/07\/American-Express-Gold-Rose-Gold-and-White-Gold.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">THE POINTS GUY<\/figcaption><\/figure>\n<p><strong>Earning rates: <\/strong>You&#8217;ll earn 4 Membership Rewards points per dollar at restaurants \u2014 on up to $50,000 of these purchases per year (then 1 point per dollar), 4 points per dollar at U.S. supermarkets \u2014 on up to $25,000 of these purchases per year (then 1 point per dollar), 3 points per dollar on flights booked directly with airlines or at AmexTravel.com and 1 point per dollar on other purchases.<\/p>\n<p><strong>Why we like it: <\/strong>This is your ideal card if you&#8217;re a foodie. You&#8217;ll earn up to <a href=\"https:\/\/thepointsguy.com\/credit-cards\/amex-gold-dining-credit\/\" rel=\"noopener\" target=\"_blank\">$120 in annual dining credits<\/a> at the following merchants: Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. You&#8217;ll receive up to <a href=\"https:\/\/thepointsguy.com\/credit-cards\/amex-platinum-uber-cash-credit\/\" rel=\"noopener\" target=\"_blank\">$120 in Uber Cash annually<\/a> after adding this card to your Uber account, and you can use this for rides or Uber Eats orders in the U.S. Additionally, you will earn up to <a href=\"https:\/\/thepointsguy.com\/credit-cards\/delta-amex-resy-credit\/\" rel=\"noopener\" target=\"_blank\">$100 in annual Resy credits<\/a> and up to <a href=\"https:\/\/thepointsguy.com\/news\/amex-gold-cardholders-enroll-new-benefits\/\" rel=\"noopener\" target=\"_blank\">$84 in annual Dunkin&#8217; credits<\/a>. Those perks are on top of the Gold card&#8217;s strong earning rates at U.S. supermarkets and restaurants worldwide.<\/p>\n<p>Note that enrollment is required in advance for some benefits.<\/p>\n<p>For more details, check out our <a href=\"https:\/\/thepointsguy.com\/credit-cards\/american-express\/amex-gold-card-review\/\" rel=\"noopener\" target=\"_blank\">full review of the Amex Gold card<\/a>.<\/p>\n<hr class=\"jsx-3272990499\"\/>\n<p><strong>Apply here: <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/the-american-express-gold-card\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">American Express Gold Card<\/a><\/span><\/strong><\/p>\n<hr class=\"jsx-3272990499\"\/>\n<h3>American Express Business Gold Card<\/h3>\n<p><strong>Current welcome offer: <\/strong>Earn 100,000 bonus points after you spend $15,000 on eligible purchases in the first three months of card membership. TPG&#8217;s August 2024 <a href=\"https:\/\/thepointsguy.com\/guide\/monthly-valuations\/\" rel=\"noopener\" target=\"_blank\">valuations<\/a> peg this bonus at $2,000.<\/p>\n<p><strong>Annual fee:<\/strong> $375 (see <a href=\"https:\/\/thepointsguy.com\/apply\/american-express-business-gold-card-rates-fees\/?tid=post\" rel=\"noopener\" target=\"_blank\">rates and fees<\/a>)<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.625%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/American-Express-Business-Gold-American-Express-Business-Rose-Gold_CCHH_2024-1.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/American-Express-Business-Gold-American-Express-Business-Rose-Gold_CCHH_2024-1.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/American-Express-Business-Gold-American-Express-Business-Rose-Gold_CCHH_2024-1.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/American-Express-Business-Gold-American-Express-Business-Rose-Gold_CCHH_2024-1.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/American-Express-Business-Gold-American-Express-Business-Rose-Gold_CCHH_2024-1.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/American-Express-Business-Gold-American-Express-Business-Rose-Gold_CCHH_2024-1.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/American-Express-Business-Gold-American-Express-Business-Rose-Gold_CCHH_2024-1.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/American-Express-Business-Gold-American-Express-Business-Rose-Gold_CCHH_2024-1.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/American-Express-Business-Gold-American-Express-Business-Rose-Gold_CCHH_2024-1.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">THE POINTS GUY<\/figcaption><\/figure>\n<p><strong>Earning rates: <\/strong>You&#8217;ll earn 4 Membership Rewards points per dollar in the two categories where you spend the most each month, up to $150,000 of these purchases per year (then 1 point per dollar), 3 Membership Rewards points per dollar on flights and prepaid hotels booked on AmexTravel.com, and 1 point per dollar on other purchases. Eligible categories include transit purchases; U.S. purchases for online, TV and radio advertising; monthly wireless phone service charges made directly from U.S. service providers; U.S. purchases at gas stations; U.S. purchases at restaurants; and U.S. purchases from electronic goods retailers and cloud system providers.<\/p>\n<p><strong>Why we like it:<\/strong> Businesses looking to rack up rewards on their purchases will love earning 600,000 points per year through the bonus categories \u2014 worth $12,000 in TPG&#8217;s August 2024 <a href=\"https:\/\/thepointsguy.com\/guide\/monthly-valuations\/\" rel=\"noopener\" target=\"_blank\">valuations<\/a>.<\/p>\n<p>For more details, check out our <a href=\"https:\/\/thepointsguy.com\/credit-cards\/american-express\/amex-business-gold-card-review\/\" rel=\"noopener\" target=\"_blank\">full review of the Amex Business Gold card<\/a>.<\/p>\n<hr class=\"jsx-3272990499\"\/>\n<p><strong>Apply here: <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/american-express-business-gold-card\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">American Express Business Gold Card<\/a><\/span><\/strong><\/p>\n<hr class=\"jsx-3272990499\"\/>\n<h3>American Express Green Card<\/h3>\n<p><strong>Current welcome offer: <\/strong>Earn 40,000 Membership Rewards points after you spend $3,000 on purchases within the first six months of card membership. TPG&#8217;s August 2024 <a href=\"https:\/\/thepointsguy.com\/guide\/monthly-valuations\/\" rel=\"noopener\" target=\"_blank\">valuations<\/a> peg these bonus points at $800.<\/p>\n<p><strong>Annual fee:<\/strong> $150<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/06\/NYC-FiDi_Amex-Green_3_WSmith.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/06\/NYC-FiDi_Amex-Green_3_WSmith.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/06\/NYC-FiDi_Amex-Green_3_WSmith.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/06\/NYC-FiDi_Amex-Green_3_WSmith.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/06\/NYC-FiDi_Amex-Green_3_WSmith.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/06\/NYC-FiDi_Amex-Green_3_WSmith.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/06\/NYC-FiDi_Amex-Green_3_WSmith.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/06\/NYC-FiDi_Amex-Green_3_WSmith.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/06\/NYC-FiDi_Amex-Green_3_WSmith.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">WYATT SMITH\/THE POINTS GUY<\/figcaption><\/figure>\n<p><strong>Earning rates: <\/strong>You&#8217;ll earn 3 Membership Rewards points per dollar at restaurants worldwide, 3 points per dollar on travel and transit and 1 point per dollar on other purchases.<\/p>\n<p><strong>Why we like it: <\/strong>If you want a card that provides a 6% return (based on our <a href=\"https:\/\/thepointsguy.com\/guide\/monthly-valuations\/\" rel=\"noopener\" target=\"_blank\">valuations<\/a>) for all of your travel, commuting and transit expenses, this is it. The Amex Green card is one of the <a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-credit-cards-commuting\/\" rel=\"noopener\" target=\"_blank\">best cards for your daily commute<\/a>. Also, you can enjoy up to <a href=\"https:\/\/thepointsguy.com\/credit-cards\/is-the-amex-green-card-worth-the-annual-fee\/#annual-lounge-buddy-credits\" rel=\"noopener\" target=\"_blank\">$100 in LoungeBuddy credits annually<\/a>, useful for airport lounge visits, and up to $189 <a href=\"https:\/\/thepointsguy.com\/news\/amex-green-clear-benefit-increase\/\" rel=\"noopener\" target=\"_blank\">reimbursement for your annual Clear Plus membership<\/a>.<\/p>\n<p>Note that enrollment is required in advance for some benefits.<\/p>\n<p>For more details, check out our <a href=\"https:\/\/thepointsguy.com\/credit-cards\/american-express\/american-express-green-card-review\/\" rel=\"noopener\" target=\"_blank\">full review of the Amex Green card<\/a>.<\/p>\n<p><em>The information for the Amex Green card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.<\/em><\/p>\n<hr class=\"jsx-3272990499\"\/>\n<h3>Business Green Rewards Card from American Express<\/h3>\n<p><strong>Current welcome offer: <\/strong>Earn 15,000 Membership Rewards points after you spend $3,000 in eligible purchases on the card within your first three months of card membership. TPG&#8217;s August 2024 <a href=\"https:\/\/thepointsguy.com\/guide\/monthly-valuations\/\" rel=\"noopener\" target=\"_blank\">valuations<\/a> peg this bonus at $300.<\/p>\n<p><strong>Annual fee:<\/strong> $95<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/04\/Business-Green-Rewards-Card-from-American-Express.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/04\/Business-Green-Rewards-Card-from-American-Express.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/04\/Business-Green-Rewards-Card-from-American-Express.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/04\/Business-Green-Rewards-Card-from-American-Express.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/04\/Business-Green-Rewards-Card-from-American-Express.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/04\/Business-Green-Rewards-Card-from-American-Express.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/04\/Business-Green-Rewards-Card-from-American-Express.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/04\/Business-Green-Rewards-Card-from-American-Express.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/04\/Business-Green-Rewards-Card-from-American-Express.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">THE POINTS GUY<\/figcaption><\/figure>\n<p><strong>Earning rates: <\/strong>You&#8217;ll earn 2 Membership Rewards points per dollar on purchases at <a href=\"https:\/\/amextravel.com\" rel=\"noopener\" target=\"_blank\">AmexTravel.com<\/a> and 1 point per dollar on other purchases.<\/p>\n<p><strong>Why we like it: <\/strong>The perks on the Amex Business Green won&#8217;t impress anyone, but if you&#8217;re looking for a card with no preset spending limit, a low annual fee, access to <a href=\"https:\/\/thepointsguy.com\/credit-cards\/ultimate-guide-to-amex-offers\/\" rel=\"noopener\" target=\"_blank\">Amex Offers<\/a> or the ability to <a href=\"https:\/\/thepointsguy.com\/news\/debunking-credit-card-myths-do-you-keep-your-points-and-miles-when-you-cancel-a-credit-card\/\" rel=\"noopener\" target=\"_blank\">keep your Amex points alive after closing other accounts<\/a>, this card can provide what you&#8217;re looking for. Plus, it can be a good option for those looking to avoid affecting their <a href=\"https:\/\/thepointsguy.com\/credit-cards\/ultimate-guide-chase-5-24-rule\/\" rel=\"noopener\" target=\"_blank\">5\/24 status<\/a>.<\/p>\n<p>For more details, check out our <a href=\"https:\/\/thepointsguy.com\/credit-cards\/reviews\/amex-business-green-rewards-card-review\/\" rel=\"noopener\" target=\"_blank\">full review of the Amex Business Green card<\/a>.<\/p>\n<p><em>The information for the Amex Business Green card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.<\/em><\/p>\n<hr class=\"jsx-3272990499\"\/>\n<h3>The Plum Card from American Express<\/h3>\n<p><strong>Current welcome offer: <\/strong>None<\/p>\n<p><strong>Annual fee:<\/strong> $250 (see <a href=\"https:\/\/thepointsguy.com\/apply\/the-plum-card-from-american-express-rates-fees\/?tid=post\" rel=\"noopener\" target=\"_blank\">rates and fees<\/a>)<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/04\/The-Plum-Card-American-Express.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/04\/The-Plum-Card-American-Express.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/04\/The-Plum-Card-American-Express.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/04\/The-Plum-Card-American-Express.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/04\/The-Plum-Card-American-Express.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/04\/The-Plum-Card-American-Express.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/04\/The-Plum-Card-American-Express.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/04\/The-Plum-Card-American-Express.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/04\/The-Plum-Card-American-Express.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">THE POINTS GUY<\/figcaption><\/figure>\n<p><strong>Earning rates: <\/strong>You&#8217;ll earn 1.5% back as a statement credit for any eligible charges paid within 10 days of statement closing.<\/p>\n<p><strong>Why we like it: <\/strong>Paying your credit card bill in full and on time is one of <a href=\"https:\/\/thepointsguy.com\/credit-cards\/ten-credit-card-commandments\/\" rel=\"noopener\" target=\"_blank\">our 10 commandments of credit cards<\/a>. The no-preset-spending-limit Amex Plum card rewards you for following this strategy. Plus, this business card lets you choose your own billing cycle dates for convenience.<\/p>\n<p>For more details, check out our <a href=\"https:\/\/thepointsguy.com\/credit-cards\/reviews\/a-cash-back-business-charge-card-the-plum-card-from-american-express-review\/\" rel=\"noopener\" target=\"_blank\">full review of the Amex Plum card<\/a>.<\/p>\n<hr class=\"jsx-3272990499\"\/>\n<p><strong>Apply here: <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/the-plum-card-from-american-express-open\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">The Plum Card from American Express<\/a><\/span><\/strong><\/p>\n<hr class=\"jsx-3272990499\"\/>\n<h3>Capital One Spark Cash Plus<\/h3>\n<p><strong>Current welcome offer: <\/strong>Earn a best-ever $2,000 cash bonus after you spend $30,000 in the first three months. Plus, earn an additional $2,000 bonus for every $500,000 spent in the first year.<\/p>\n<p><strong>Annual fee: <\/strong>$150<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/11\/Capital-One-Spark-Cash-Plus.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/11\/Capital-One-Spark-Cash-Plus.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/11\/Capital-One-Spark-Cash-Plus.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/11\/Capital-One-Spark-Cash-Plus.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/11\/Capital-One-Spark-Cash-Plus.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/11\/Capital-One-Spark-Cash-Plus.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/11\/Capital-One-Spark-Cash-Plus.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/11\/Capital-One-Spark-Cash-Plus.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/11\/Capital-One-Spark-Cash-Plus.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">THE POINTS GUY<\/figcaption><\/figure>\n<p><strong>Earning rates: <\/strong>You&#8217;ll earn 5% cash back on hotels and rental cars booked through Capital One Travel and 2% back on other purchases.<\/p>\n<p><strong>Why we like it: <\/strong>If you&#8217;re looking for a card with no preset spending limit that provides unlimited cash-back earnings, this is it. In addition to the standard earning rates, you&#8217;ll get your $150 annual fee refunded each year you make $150,000 or more in purchases with your card.<\/p>\n<p>For more details, check out our <a href=\"https:\/\/thepointsguy.com\/credit-cards\/capital-one\/capital-one-spark-cash-plus-review\/\" rel=\"noopener\" target=\"_blank\">full review of the Spark Cash Plus<\/a>.<\/p>\n<hr class=\"jsx-3272990499\"\/>\n<p><strong>Learn more: <a href=\"https:\/\/thepointsguy.com\/card-hub\/capital-one-spark-cash-plus\/?tid=post\" rel=\"noopener\" target=\"_blank\">Capital One Spark Cash Plus<\/a><\/strong><\/p>\n<hr class=\"jsx-3272990499\"\/>\n<h3>Capital One Venture X Business<\/h3>\n<p><strong>Current welcome offer: <\/strong>Earn 150,000 bonus miles after spending $30,000 in the first three months. TPG&#8217;s August 2024 <a href=\"https:\/\/thepointsguy.com\/guide\/monthly-valuations\/\" rel=\"noopener\" target=\"_blank\">valuations<\/a> peg this bonus at a whopping $2,778.<\/p>\n<p><strong>Annual fee: <\/strong>$395<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.625%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Capital-One-Venture-X-Business-card.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Capital-One-Venture-X-Business-card.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Capital-One-Venture-X-Business-card.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Capital-One-Venture-X-Business-card.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Capital-One-Venture-X-Business-card.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Capital-One-Venture-X-Business-card.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Capital-One-Venture-X-Business-card.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Capital-One-Venture-X-Business-card.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Capital-One-Venture-X-Business-card.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">THE POINTS GUY<\/figcaption><\/figure>\n<p><strong>Earning rates:<\/strong> You&#8217;ll earn 10 miles per dollar spent on hotels and rental cars booked through Capital One Travel, 5 miles per dollar on flights purchased through Capital One Travel and 2 miles per dollar on all other purchases.<\/p>\n<p><strong>Why we like it:<\/strong> If you&#8217;re looking for a card that earns simple unlimited 2 miles per dollar, this is a great option. It has a $300 annual travel credit when booked through Capital One Travel, which reduces the effective annual fee to $95. It also gives you lounge access and 10,000 bonus miles every account anniversary. For more details, check out our <a href=\"https:\/\/thepointsguy.com\/credit-cards\/reviews\/capital-one-venture-x-business-review-huge-earning-potential-for-businesses\/\" rel=\"noopener\" target=\"_blank\">full review of the Venture X Business<\/a>.<\/p>\n<hr class=\"jsx-3272990499\"\/>\n<p><strong>Learn more: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/capital-one-venture-x-business\/\" rel=\"noopener\" target=\"_blank\">Capital One Venture X Business<\/a><\/strong><\/p>\n<hr class=\"jsx-3272990499\"\/>\n<h3>Ink Business Premier Credit Card<\/h3>\n<p><strong>Current welcome offer: <\/strong>Earn a $1,000 bonus cash back after spending $10,000 on purchases in the first three months after account opening.<\/p>\n<p><strong>Annual fee: <\/strong>$195<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.625%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/12\/Chase-Ink-Business-Premier_2022_CCHH_1.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/12\/Chase-Ink-Business-Premier_2022_CCHH_1.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/12\/Chase-Ink-Business-Premier_2022_CCHH_1.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/12\/Chase-Ink-Business-Premier_2022_CCHH_1.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/12\/Chase-Ink-Business-Premier_2022_CCHH_1.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/12\/Chase-Ink-Business-Premier_2022_CCHH_1.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/12\/Chase-Ink-Business-Premier_2022_CCHH_1.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/12\/Chase-Ink-Business-Premier_2022_CCHH_1.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/12\/Chase-Ink-Business-Premier_2022_CCHH_1.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">THE POINTS GUY<\/figcaption><\/figure>\n<p><strong>Earning rates: <\/strong>You&#8217;ll earn 5% cash back on purchases through the Chase travel portal, 2.5% back on purchases of $5,000 or more and 2% back on other purchases.<\/p>\n<p><strong>Why we like it: <\/strong>Businesses that routinely make large purchases will love this card, as competitors like the Amex Business Platinum card have an earning limit for rewards on purchases of $5,000 or more each year. While you can&#8217;t <a href=\"https:\/\/thepointsguy.com\/guide\/transfer-ultimate-rewards-points-between-accounts\/\" rel=\"noopener\" target=\"_blank\">combine your earnings with Chase Ultimate Rewards points from other cards<\/a>, you can earn at a high rate and reinvest your earnings back into your business.<\/p>\n<p>For more details, check out our <a href=\"https:\/\/thepointsguy.com\/credit-cards\/reviews\/chase-ink-business-premier-card-review\/\" rel=\"noopener\" target=\"_blank\">full review of the Ink Business Premier card<\/a>.<\/p>\n<hr class=\"jsx-3272990499\"\/>\n<p><strong>Apply here: <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/ink-business-premier-credit-card\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">Ink Business Premier Credit Card<\/a><\/span><\/strong><\/p>\n<hr class=\"jsx-3272990499\"\/>\n<p>Frequently asked questions<\/p>\n<p>Maybe you&#8217;re looking for a card with no preset spending limit to manage your credit and expenses. In contrast, maybe you have your eye on a particular card because of its benefits and earning structure, not knowing (or caring) about what makes this card different. Here are some of the most common questions about these cards.<\/p>\n<h3>What&#8217;s the difference between a no preset spending limit card and a credit card?<\/h3>\n<p>&#8220;No preset spending limit&#8221; cards function like credit cards when purchasing and paying your bill, but credit cards come with a preset spending limit. Once you&#8217;ve reached the maximum, you must pay your bill before making further purchases. In contrast, cards with no preset spending limit adapt to you based on your payment history, credit and previous spending habits. This doesn&#8217;t mean unlimited spending power, but how much you can spend on the card fluctuates over time.<\/p>\n<h3>How can you pick the best no preset spending limit card?<\/h3>\n<p>Many good cards are on the market, and which is best for you will depend on your travel goals and financial needs. If you&#8217;re looking for a luxury travel lifestyle, you&#8217;ll want the <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/the-platinum-card-from-american-express\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">Amex Platinum<\/a><\/span> or <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/the-enhanced-business-platinum-card-from-american-express-open\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">Amex Business Platinum<\/a><\/span>. If you&#8217;re looking for cash back, on the other hand, consider the <a href=\"https:\/\/thepointsguy.com\/card-hub\/capital-one-spark-cash-plus\/?tid=post\" rel=\"noopener\" target=\"_blank\">Spark Cash Plus<\/a> or <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/ink-business-premier-credit-card\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">Ink Business Premier<\/a><\/span>.<\/p>\n<h3>How do no preset spending limit cards affect your credit score?<\/h3>\n<p>One of the benefits of using these cards is how they&#8217;re reported to credit bureaus. Credit <a href=\"https:\/\/thepointsguy.com\/credit-cards\/biggest-factors-that-impact-your-credit-score\/\" rel=\"noopener noreferrer\" target=\"_blank\">utilization accounts for roughly 30% of your credit score<\/a>. Because the cards described in this guide don&#8217;t have a preset spending limit, it&#8217;s impossible to calculate a utilization ratio (since there&#8217;s no credit limit for determining how much of your limit you&#8217;re using). This means that while the balances on your no preset spending limit cards are reported to the credit bureaus, they don&#8217;t actually affect your score, which is ideal for high-spending businesses and individuals.<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/05\/Woman-picking-up-mail-from-mail-box-while-checking-smartphone_d3sign.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/05\/Woman-picking-up-mail-from-mail-box-while-checking-smartphone_d3sign.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/05\/Woman-picking-up-mail-from-mail-box-while-checking-smartphone_d3sign.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/05\/Woman-picking-up-mail-from-mail-box-while-checking-smartphone_d3sign.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/05\/Woman-picking-up-mail-from-mail-box-while-checking-smartphone_d3sign.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/05\/Woman-picking-up-mail-from-mail-box-while-checking-smartphone_d3sign.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/05\/Woman-picking-up-mail-from-mail-box-while-checking-smartphone_d3sign.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/05\/Woman-picking-up-mail-from-mail-box-while-checking-smartphone_d3sign.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/05\/Woman-picking-up-mail-from-mail-box-while-checking-smartphone_d3sign.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">D3SIGN\/GETTY IMAGES<\/figcaption><\/figure>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/how-credit-scores-work\/\" rel=\"noopener\" target=\"_blank\">How your credit scores work<\/a><\/strong><\/p>\n<h3>What are the pros and cons of using a no preset spending limit card?<\/h3>\n<p>The cards on this list offer some of the best welcome offers, earning categories and benefits of any cards on the market. Using them can help you earn points faster or enjoy new, luxurious travel experiences.<\/p>\n<p>Conversely, cards with no preset spending limit are designed for paying your balance in full each month (which you should do anyway). With credit cards, you can carry a balance to the next month and pay interest. On cards without preset spending limits, you may be able to enroll in a feature to carry a balance; typically, though, you must pay the full balance and will pay fees for not doing so. If you aren&#8217;t able to pay the full balance, using these cards could be a net negative for you.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/news\/credit-score-changes-2022\/\" rel=\"noopener\" target=\"_blank\">Why paying off credit card balances is more important than ever<\/a><\/strong><\/p>\n<h3>Who should use a no preset spending limit card?<\/h3>\n<p>If you&#8217;re in the market for a new welcome bonus, these cards offer some of the best ones. If you frequently have large expenses that you pay off every month (either for personal or business reasons), using a no preset spending limit card can help avoid the temporary impact on your credit score from a <a href=\"https:\/\/thepointsguy.com\/credit-cards\/hard-pull-vs-soft-pull-credit-report\/\" rel=\"noopener\" target=\"_blank\">hard pull<\/a> during the application process. And then, you can use the welcome bonus to travel or invest in your business, depending on your goals.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/difference-charge-credit-card\/\" rel=\"noopener\" target=\"_blank\">What&#8217;s the difference between a charge card and a credit card?<\/a><\/strong><\/p>\n<p><a id=\"bottom-line\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Bottom line<\/h2>\n<p>When discussing the <a href=\"https:\/\/thepointsguy.com\/credit-cards\/travel\/\" rel=\"noopener noreferrer\" target=\"_blank\">top travel rewards cards<\/a>, we often lump no preset spending limit cards and credit cards together since their similarities outweigh their differences. Once you understand what sets them apart, you can use cards without preset spending limits to improve your credit score and increase your earning abilities.<\/p>\n<p>Also, don&#8217;t forget that better offers may be available through the <a href=\"https:\/\/thepointsguy.com\/credit-cards\/cardmatch-tool\/\" rel=\"noopener\" target=\"_blank\">CardMatch tool<\/a>. These targeted offers may provide better bonuses than what you see publicly available, but offers are targeted to each individual and can change at any time.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/business\/\" rel=\"noopener\" target=\"_blank\">Best business cards<\/a><\/strong><\/p>\n<hr class=\"jsx-3272990499\"\/>\n<p><em>For rates and fees of Amex Platinum, click <a href=\"https:\/\/thepointsguy.com\/apply\/the-platinum-card-from-american-express-rates-fees\/?tid=post\" rel=\"noopener\" target=\"_blank\">here<\/a>.<\/em><br \/><em>For rates and fees of the Amex Business Platinum, click <a href=\"https:\/\/thepointsguy.com\/apply\/the-business-platinum-card-from-american-express-rates-fees\/?tid=post\" rel=\"noopener\" target=\"_blank\">here<\/a>.<\/em><br \/><em>For rates and fees of the Amex Gold Card, click <a href=\"https:\/\/thepointsguy.com\/apply\/american-express-gold-card-rates-fees\/?tid=post\" rel=\"noopener\" target=\"_blank\">here<\/a>.<\/em><br \/><em>For rates and fees of the Amex Business Gold, click <a href=\"https:\/\/thepointsguy.com\/apply\/american-express-business-gold-card-rates-fees\/?tid=post\" rel=\"noopener\" target=\"_blank\">here<\/a>.<\/em><br \/><em>For rates and fees of the Amex Plum Card, click <a href=\"https:\/\/thepointsguy.com\/apply\/the-plum-card-from-american-express-rates-fees\/?tid=post\" rel=\"noopener\" target=\"_blank\">here<\/a>.<\/em><\/p>\n<\/div>\n<p><br \/>\n<br \/><a href=\"https:\/\/thepointsguy.com\/guide\/best-credit-cards-no-preset-spending-limits\/\" target=\"_blank\" rel=\"noopener\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>When comparing different travel rewards cards, most are nearly identical regarding the mechanics of making purchases and paying off balances. There is an exception, though: cards with no preset spending limits. American Express may be the first issuer that comes to your mind, but other banks also issue cards with no preset spending limits. Unlike [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":120277,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[],"class_list":{"0":"post-120276","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-travel"},"_links":{"self":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts\/120276","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/comments?post=120276"}],"version-history":[{"count":0,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts\/120276\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/media\/120277"}],"wp:attachment":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/media?parent=120276"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/categories?post=120276"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/tags?post=120276"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}