Credit cards have a lot of benefits when you use them wisely. That is you can enjoy the power of cash back on the money you would spend anyways or get to travel for free! Plus you can build your credit while having all the fun. If that sounds great to you here are some of my favorite credit cards with great rewards that I use for personal and business expenses.
1. American Express Blue Business Cash Card. You can get a Statement Credit of $250 after you spend $5,000 on qualifying purchases on their new Card within first 6 months of Card Membership and an extra $250 Statement Credit after you spend an additional $10,000 on qualifying purchases on their new Card within their first 12 months of Card Membership. In addition to that you earn 1.5% in unlimited cash back rewards. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. And it comes with Payment Flexibility: Your Card gives you the option to carry a balance with interest¤ or pay in full each month. So, whether you're managing your monthly expenses or making a large purchase, you can have the payment flexibility you need while continuing to earn rewards.
It also has the following travel benefits:
Car Rental Loss and Damage Insurance Getting into your Rental Vehicle can be the start of a great vacation. When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver at the rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.
Global Assist® Hotline Whenever you travel more than 100 miles from home, Global Assist Hotline is available for 24/7 medical, legal, financial and other select emergency assistance and coordination services, such as medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply.
Entertainment benefits:
American Express Experiences
Stay in the know with exclusive access to ticket presales and Card Member-only events in a city near you. Check out Broadway shows and concert tours, family and sporting events, and more.
Additional benefits:
Amex Send & Split™ With Amex Send & Split you can send money and split purchases with any other Venmo or PayPal user, directly from the Amex App.
Fraud Protection When you use your American Express® Card, you won't be held responsible for fraudulent charges. If you see a charge that you think is fraudulent, just call us at the number on the back of your Card. There's no deductible, so you can use your Card with confidence.
Track Cash Back Accessing your account online is easy. Get up-to-date information on your Reward Dollar balance, spending, and reward possibilities, all in a few clicks.
Year-End Summary The Online Year-End Summary, typically available in January, reflects charges posted to your account from January 1st through December 31st of the prior year.
Pay It Plan It®
Oh, and my favorite part - no annual fees! It really is a great card - if interested - apply here.
2. Blue Business® Plus Credit Card. If you need a good amount of credit available to run your business (and make it more profitable) then this is the great card for you! You can earn 10,000 Membership Rewards® points after you use your new Blue Business® Plus Credit Card to make $3,000 in purchases within the first 3 months of Card Membership.
Featured benefits are:
Earn 2X Membership Rewards® points on everyday business purchases up to $50,000, per calendar year, with no category restrictions
1X Membership Rewards® points on purchases thereafter
Expanded Buying Power Say yes more. You've got the power to use your Card beyond its credit limit* with Expanded Buying Power. There are no over-limit fees, no enrollment steps to take and you can continue to earn Membership Rewards® points or cash back on purchases above your credit limit. It's really just as simple as paying the minimum due each month, which will include any amount you spend over your credit limit. *Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
Plus it comes with great expense management tools for your business:
Track and Organize Expenses
Employee Cards There is $0 annual fee for each additional Employee Blue Business® Plus Credit Card. Plus, you earn Membership Rewards® points on employee purchases in the same way your own Card does.
Account Manager When you designate an Account Manager, you can allow trusted individuals - like an assistant or business partner - to access and manage your Business Card account. So you can trust your Account Manager to get the work done when you can't be there.‡
American Express® Business App The American Express® Business App helps you manage your Card expenses by allowing you to attach receipt images, add notes and categorize your transactions from your mobile device.‡
Account Alerts American Express Business Card Members can set Account Alerts to help avoid late payments, spot irregular spending, and monitor Employee Card use.
Year-End Summary At the start of each year, log into your American Express on-line account to view an interactive overview of your business Card spending organized by categories. With your charges itemized in one place, the Year-End Summary is a great tool you can rely on to help prepare for your taxes and manage your spending.
Online Statements View your purchase history, prepare reports, and budget your expenses.
American Express® App Track spending and rewards, find an airport lounge, make a payment, and get important account alerts in real-time with the American Express® App.
Vendor Pay You can make the most out of paying your business bills. Improve your cash flow and take advantage of Card benefits when you use your Card to pay bills with Vendor Pay by Bill.com. Take advantage of Vendor Pay by Bill.com by enrolling your Card. With the Basic plan, there is no monthly fee for the first user. Additional fees may apply based on plan type and number of users.
If you thought that is enough, wait, it comes with even more benefits:
Extended Warranty With Extended Warranty♦ you can shop with less worry knowing the terms of the Original Manufacturer's Warranty can be extended up to one additional year. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions.
Purchase Protection When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year. Please read important exclusions and restrictions.
Relationship Care® Service You can receive our special brand of Relationship Care® service and rely on us to provide 24/7 customer support. Simply call the number on the back of your Card to speak to one of our Customer Care Professionals who are specially trained to understand the needs of small business owners and can provide you with business-savvy support.
Amex Offers Amex Offers is a simple and easy way to make your life more rewarding. With offers for shopping, dining, travel, and more, there's something for everyone. Adding offers to your Card is quick, easy, and best of all, incredibly rewarding.
Dispute Resolution If there is a fraudulent or incorrect charge on your statement, American Express will work with you to help resolve the issue.
And again - it comes with no annual cost to you, just the benefits - so hurry to apply here!
3. Amex EveryDay® Credit Card. You can earn 10,000
Membership Rewards Points back after you spend $1,000 in purchases on your new Card in their first 3 months of Card Membership. And you get 0% intro APR on purchases for 15 months from the date of account opening, then a variable APR, 12.99% to 23.99%. Also 2X POINTS On Groceries at U.S. supermarkets, on up to $6,000 per year in purchases, then 1X. 1X POINTS On Other Purchases.
Featured Benefits
Earn 20% Extra Points Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.‡
Payment Flexibility Your Card gives you the option to carry a balance with interest or pay in full each month. So, whether you're managing your monthly expenses or making a large purchase, you can have the payment flexibility you need while continuing to earn rewards.
Use Amex Offers at The Places You Love to Shop Amex Offers rewards you at places you like to shop, dine, travel, and more.
Membership Rewards® Program Whether it's a one-of-a-kind trip across the globe or a quick weekend getaway, use Membership Rewards® points to book virtually any seat on any scheduled flight with more than 100 leading airlines through American Express Travel.
Use Points for Your Charges You can use Membership Rewards® points for all or part of your flight, prepaid hotel, vacation or cruise booking.
Membership Rewards® Pay With Points Let the Membership Rewards® program take you almost anywhere when you use Pay with Points to book your next vacation on amextravel.com
Transfer Points To Frequent Traveler Programs The Membership Rewards® program offers you the opportunity to transfer points to the most air and hotel partners of any major U.S. Credit Card rewards program, so you don't have to compromise on your journey.
Shop with Membership Rewards® Points Choose from the newest tech, the latest fashion, and the hottest events when you shop with points.
Dispute Resolution If there is a fraudulent or incorrect charge on your statement, American Express will work with you to help resolve the issue.
Amex Send & Split™ With Amex Send & Split you can send money and split purchases with any other Venmo or PayPal user, directly from the Amex App.
Fraud Protection When you use your American Express® Card, you won't be held responsible for fraudulent charges. If you see a charge that you think is fraudulent, just call us at the number on the back of your Card. There's no deductible, so you can use your Card with confidence.
American Express® App Unlock what Membership has to offer with the American Express® App. Discover nearby offers, explore rewards, and get fraud alerts while easily managing your account from virtually anywhere.
Year-End Summary Get access to a Year-End Summary of charges so you can review your annual spending.
Pay It Plan It® Pay It Plan It®, two easy ways to control how you pay. •Pay It® Tap a purchase under $100 in the app to quickly make payments throughout the month. •Plan It® Select purchases of $100 or more and split them up into monthly payments with a fixed monthly fee and no interest. Plus, you'll still earn rewards as you normally would. And no annual fees of course! Apply here.
4. Cash Magnet® Card. You earn $200 back after they spend $1,000 in purchases on your new Cash Magnet® Card in their first 3 months of Card Membership. You will receive $200 back in the form of a statement credit. And you will benefit from 0% intro APR on purchases for 15 months from the date of account opening, then a variable APR, 13.99% to 23.99%. (It is like free money for 15 months and you can use it to your advantage!). Plus 1.5% UNLIMITED CASH BACK On Your Purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
Additional benefits:
ACCELERATE CASH BACK
Earn rewards faster by adding Additional Cards for your family and friends, their purchases earn rewards just like yours. You can also earn cash back for monthly spending, like your phone bill.
CAR RENTAL LOSS AND DAMAGE INSURANCE♦ Getting into your Rental Vehicle can be the start of a great vacation. When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver at the rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.
Global Assist® Hotline Whenever you travel more than 100 miles from home, Global Assist Hotline is available for 24/7 medical, legal, financial and other select emergency assistance and coordination services, such as medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply.
American Express Experiences
Stay in the know with exclusive access to ticket presales‡ and Card Member-only events in a city near you. Check out Broadway shows and concert tours, family and sporting events, and more.
Amex Send & Split™ With Amex Send & Split you can send money and split purchases with any other Venmo or PayPal user, directly from the Amex App.
FRAUD PROTECTION When you use your American Express® Card, you won't be held responsible for fraudulent charges. If you see a charge that you think is fraudulent, just call us at the number on the back of your Card. There's no deductible, so you can use your Card with confidence.
TRACK CASH BACK Accessing your account online is easy. Get up-to-date information on your Reward Dollar balance, spending, and reward possibilities, all in a few clicks.
Year-End Summary The Online Year-End Summary, typically available in January, reflects charges posted to your account from January 1st through December 31st of the prior year.‡
Pay It Plan It® Pay It Plan It®, two easy ways to control how you pay. Pay It® Tap a purchase under $100 in the app to quickly make payments throughout the month. Plan It® Select purchases of $100 or more and split them up into monthly payments with a fixed monthly fee and no interest.
No annual fee. Apply to get yours here.
