Issuers

Great For: Dining
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Capital One Spark Cash (test)

Fees & Rates

Ideal Credit Score: (740-800+)

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On Capital One's secure site

Intro APR: 0
Annual Fee $95
Regular APR 14%-18%

$750 Cash Bonus

Receive a $750 one-time bonus after spending $7,500 in the first three months of account opening.

Unlimited 2% cash back on all business purchases with no category restrictions or caps.

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  • Capital One
Great For: Office Supplies, Business Travel
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American Express Business Gold Card (test)

Fees & Rates

Ideal Credit Score: (740-800+)

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On American Express's secure site

Intro APR: 6 mths / 0%
Annual Fee $375
Regular APR 18.49% – 27.49%

The American Express® Business Gold Card currently offers multiple introductory opportunities, including a public welcome bonus of 100,000 Membership Rewards® points after spending $15,000 in the first three months

The American Express® Business Gold Card provides customizable rewards targeting key business expenses. Its dynamic category bonuses adapt to spending patterns, offering flexibility for common operational costs.

Key rewards features:

  • Earn 4X Membership Rewards® in your top two spending categories monthly from six options: U.S. advertising/media, electronics/software retailers, restaurants, gas stations, transit, and wireless services (applies to first $150K combined annual spend in these categories).

  • Receive $240 annual statement credits through $20 monthly reimbursements for U.S. purchases at FedEx, Grubhub, and office supply stores.

  • Full coverage of Walmart+ membership fees ($12.95/month + taxes) when paid with the card.

The card maintains a 1X earnings rate on non-bonus spending, making it ideal for businesses with concentrated expenses in the bonus categories. No foreign transaction fees apply to international purchases.

  • Expense Management Tools: Offers robust capabilities to track and organize business spending efficiently.

  • Employee Card Benefits: Allows adding employee cards to manage team expenses, with options to set spending limits and track individual purchases.

  • Travel Insurance and Assistance: Includes travel-related benefits such as insurance and assistance services, providing peace of mind for business travelers.

 

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  • Capital One