What The Fu%#! – Ultimate Business Credit Card 2024 

by Daniel | Last Updated July 2nd, 2024

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Are you an entrepreneur or business owner looking to elevate your business travel and expenses with top-tier rewards and perks? 

Well in this article, I’m going to dive into the world of premium business credit cards from American Express, Chase, and Capital One. 

I’ll be examining four of the best business credit cards available: the American Express Business Centurion Card, the American Express Business Platinum Card, the Capital One Venture X Business Card, and the Chase Ink Business Preferred Credit Card. 

These cards offer an array of benefits, from luxurious travel perks and substantial rewards points to exceptional business-oriented features and services.

So stick around as I break down the features, benefits, and potential drawbacks of each card, helping you decide which one best fits your business needs.

Whether you’re a frequent business traveler, a startup owner, or a seasoned entrepreneur looking to maximize your business expenses, this review is for you. 

So let’s jump right in and find out which card can bring the most value to your business in 2024!

https://youtu.be/iBvTbRkXksc

Who Are These Cards Good For?

Now these top-tier business credit cards are tailored to various types of businesses and entrepreneurs, each offering unique benefits suited to different needs and preferences. So here’s a breakdown of who would benefit most from each card:

American Express Business Centurion Card

Starting first with one (if not) the most expensive credit cards on the market today is the American Express Business Centurion Card.

Ultra-Luxury Seekers

This card is perfect for businesses and entrepreneurs who desire the pinnacle of luxury and exclusive perks, including personalized concierge services, elite status with travel partners, and access to private lounges.

High Spenders

It’s ideal for businesses with substantial expenses, as the card offers generous rewards and benefits that scale with higher spending.

Global Travelers

It is best for those who frequently travel internationally and want unparalleled travel benefits and services.

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American Express Business Platinum Card

So the second card in this list is the Amex Business Platinum card, and although this is often considered quite an expensive credit card, is cheap in comparison to the Amex Centurion Card. 

Frequent Travelers

This card is a great choice for business owners who travel often, offering extensive travel perks such as access to Centurion Lounges, airline fee credits, and hotel elite status.

Benefit Maximizers

It’s Ideal for those looking to maximize their rewards and benefits through everyday business expenses, including significant points on flights and prepaid hotels.

Large Enterprises

it is also suitable for larger businesses that can take full advantage of the extensive range of services and rewards offered.

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Capital One Venture X Business Card

Now the third card on this list is the Capital One Venture X Business card, and although it is substantially cheaper than the Amex Platinum card for the annual fee fee, it still offers a ton of fantastic benefits.

Travel Enthusiasts

This card is excellent for businesses that prioritize travel rewards, offering a high earning rate on travel purchases and flexible redemption options.

Startups and SMEs

 It is great for small to medium-sized enterprises looking for a straightforward rewards program with valuable travel benefits.

Global Users

Along with this, it is also Ideal for businesses with international operations, offering travel insurance and no foreign transaction fees.

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Chase Ink Business Preferred Credit Card

So the last card on this list is the Chase Ink Business Preferred Credit Card.
And it might seem a little odd to have this card included in this review seeing that it is so much cheaper on annual basis than all of the other cards.
But don’t let the low annual fee fool you, as this card is surprisingly good.

Growing Businesses

It is perfect for businesses looking for a versatile rewards card with high earning potential on common business expenses like shipping, advertising, and travel.

Points Enthusiasts

 It’s ideal for those who want to earn and maximize Chase Ultimate Rewards points, which can then be transferred to various travel partners.

Budget-Conscious Entrepreneurs

It is suitable for business owners seeking a powerful rewards card with a lower annual fee compared to premium cards, while still enjoying significant benefits and protections.

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Annual Fee And Sign-up Bonus 

Now from here, let’s take look at how valuable the sign-up bonus is and how much the annual fee will cost you each year.
And you will see that there is a huge difference between these cards.
Specifically in terms of how much they cost each year and what they are actually offering as a sign-up bonus. 

American Express Business Centurion Card

Now obviously this is an absurd amount of money to charge for a credit card, but seeing that it is only available by invitation and focuses on exclusive, high-end benefits, Amex can essentially charge whatever they want.

And then to make it even worse, there is no sign-up bonus with this card.
So your going to have to fork over $15,000 initially if your lucky enough to be chosen to have once of these cards, and then each year thereafter it will cost $5,000.

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American Express Business Platinum Card

Now currently it is possible to earn 175,000 Membership Rewards Points if you can manage to spend $20,000 on the card within the first 3 months of card-ownership.

And with Membership Reward points being worth at least 1 cent per points, this sign-up bonus is worth $1,750.

Now its worth noting that you can get a lot more value for your Membership Rewards Points by transferring them to one of the many travel partners, and if you want to learn more about how to do this check out this article here. 

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Capital One Venture X Business Card

Now with Capital one miles being valued at 1 cents per mile when redeem directly through Capital One, this sign-up bonus is worth $1,500.
But much like the Amex Centurion and Platinum cards, you can receive quite a lot more value than this by transferring your miles to one of their travel partners. 

Now its worth noting that each account anniversary you will receive 10,000 bonus miles, this in itself is worth at least $100, and effectively brings the annual fee down to $295.

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Chase Ink Business Preferred Credit Card

Now if you use these points through Chase Travel you will receive a value of 1.25 cent per point, which means this sign up bonus is worth $1,250.

And just like all of the other cards in this review, you can receive substantially more value than this by transferring the points to one of the many travel partners. 

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So three of the cards offer a signup bonus of over $1,000, which is pretty good,
And then the most expensive card, the Amex Centurion Card has no sign-up bonus.

A couple things worth being be aware of is the amount you will need to spend to receive the sign-up bonus and then how long you have to meet the spend requirement.

The Capital One Venture X Business Card has the strictest option, as it allows you just 3 months to meet the rather large $30,000 spend requirement.

Whereas the Chase Ink Business Preferred Credit Card has the most relaxed option as it only requires a spend of $8,000 in 3 months the receive the sign up bonus.

Which Card Has The Best Miles Earning Potential?

So now we know how much each card costs on an annual basis and what they are offering as a sign-up bonus, we now need to look at the points or miles earning ability of each card.

This is another important factor to consider, as credit cards with higher miles or points earring potential will provide you quite a lot more value in the long run. 

American Express Business Centurion Card

Now this is not very good compared to all of the other cards in this review, but there is a way to increase the value of the points.

You can actually receive a 50% travel redemption bonus when you use the points to book airfares through Amextravel.com.

So if you utilize the points this way, you will essentially receive 3x points for purchases that are over $5,000 and then 2x points for everything else.

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American Express Business Platinum Card

It is then possible to earn 1.5x points for purchases that are made in key business categories and for purchases that are $5,000 or more, although this is limited to a total spend of $2 million each year.

Now the business categories that are eligible for the 1.5x points earning are as follows:

• U.S. construction material & hardware suppliers
• Electronic goods retailers
• Software & cloud system providers
• Shipping providers

Then all other purchases that are made with the Amex Business Platinum card will 1 point per dollar spent.

So interestingly enough, the more affordable Amex Business Platinum card offer a better points earning ability than the insanely expensive Amex Business Centurion card.

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Capital One Venture X Business Card

It is the possible to earn 5x miles on flights that are made through Capital One Travel.

Then everything else will earn you unlimited 2x miles per dollar spent. 

So if your looking to earn a ton of value from your every day business expenses, the Capital One Venture X Business card is a great choice.

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Chase Ink Business Preferred Credit Card

It is then possible to earn 3x points from the following categories:

• Shipping purchases
• Advertising purchases made with social media sites and search engines
• Internet, cable and phone services
• Travel

But it’s worth noting that the 3x points earnings is limited to a spend of $150,000 each calendar year.

Then all other purchase that are made on the card will earn you 1 point per dollar spent.   

Which Card Has The Best Benefits And Perks?

So now that I’ve talked about the annual fee, sign-up bonus and miles or points earning potential of each card, let’s take a look at the benefits that actually come with each card to see how they compare. 

American Express Business Centurion Card

Saks Fifth Avenue Credit

You will then receive a credit of $1,000 that can be used at Saks Fifth Avenue, and this is provided in $250 quarterly allotments.  

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Global Lounge Collection

Another valuable benefit that comes with this card is access to the Global Lounge Collection.
With this you essentially have access to a large range of different airport lounges that includes:

• The Centurion Lounge
• The Delta Sky Club 
• Lufthansa Lounges
• Plaza Premium Lounges
• Escape Lounges

Now along with this there is also a complimentary Priority Pass Select membership that provides access to more than 1,5000 airport lounges from all over the world.
This in itself is worth around $469.

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 CLEAR Plus Credit 

Then each year you will receive a $369 credit that can be used towards CLEAR Plus memberships.
This is somewhat similar to TSA PreCheck but a little bit quicker.

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PS Membership

Now as a Centurion Card holder you will receive an annual membership to P/S (which was formally known as The Private Suite).
And with memberships costing upwards of $4,850, it is a pretty valuable benefit to have access to. 

Although there are only 2 locations that are currently open, one at Los Angeles International Airport (LAX) and then then one Hartsfield-Jackson Atlanta International Airport (ATL), although there is supposed to be another one opening at Miami International Airport (MIA) in the near future. 

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Now along with all of these benefits you will also receive Elite Status with a variety of Travel Partners, and if taken advantage correctly, they can provide you with a huge amount of value.

Hilton Honors Diamond status

Starting first with hotels you will receive Hilton Honors Diamond status, which is the top tier status that is offered from Hilton.
It provides you with your 5th night free, room upgrades when available and 100% points earning bonus on all Hilton stays.

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Marriott Bonvoy Gold Elite status

There is then Marriott Bonvoy Gold Elite status, and with this you can receive late checkout, room upgrades when they are available and the ability to earn 25% more points on all Marriott stays. 

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IHG One Rewards Platinum Elite status

Then the last hotel that you get elite status with is IHG One Rewards Platinum Elite status. 
And similar to the other hotels you also get late checkout, room upgrades when available and the ability to earn 60% bonus points.

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Now along with these hotel related benefits you will also receive access to the Amex Fine Hotels + Resorts program
This provides you with some pretty nice extra benefits that include a $100 credit for hotel bookings that are 2 nights or more, room upgrades and late check out.

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Delta SkyMiles Platinum Medallion status

Now another super valuable benefit that comes with the Amex business Centurion card is Delta SkyMiles Platinum Medallion status.
And this comes with a whole range of nice benefits that can be worth literally thousands of dollars. 

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Car Rental Benefits 

And finally there is car rental status provided to you from Hertz and Avis.
With Hertz you will receive Hertz Platinum status and with Avis you will receive Avis President’s Club status.
Both of these benefits provide you with a variety of extra benefit when renting a car which includes free upgrades and lower rates.

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So as you can see, there are a ton of very valuable benefit that come with the Amex Business Centurion card, which if taken advantage of easily cover the cost of the annual fee each year. 

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American Express Business Platinum Card

So initially there are quite a few business realted credits that come with this card which include:

$400 Dell Credit

A$400 Dell Technologies credit that is provided to you in bi-annual allotments. 
Basically you can use up to $200 per 6 month period.
And needless to say, there are plenty of good products available through Dell to help run your business. 

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$360 Indeed Credit

There is then a $360 credit that can be used through ‘Indeed’
And this can be used to help you find employees or freelancers to help run your business.

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$150 Adobe Credit 

You will also receive a $150 credit that can be used at Adobe Creative Solutions.
And I like this, specifically as I actually use Adobe products for my business.

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$120 Wireless Credit 

Then there is a $120 Wireless credit that is provided to you in $10 allotments each month that can be used for purchases that are made at US wireless telephone service providers.

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Now there are also quite a few travel related credit that come with this card which include:

$200 Airline Fee Credit

A $200 Airline Fee Credit.
And with this, you can choose one airline that is a partner of Amex and then use the credit for things such as baggage fees, inflight food and refreshments and in some cases lounge access.

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$189 CLEAR Plus Credit

Similar to the Amex Centurion Business card there is a $189 CLEAR Plus credit.
And whilst it is designed to get you through Airport security a little quicker than TSA Pre Check, from my experience using it, I haven’t found it that much quicker.

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$100 Credit For TSA PreCheck or Global Entry

Now similar to this is a $100 credit for use on either TSA PreCheck or Global Entry.
And again, just like CLEAR access, seeing that so many people now use this benefit it really doesn’t see to save much time at all. 

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Now just like the Amex Centurion Business card you will also get the following benefits:

• Access to the Global Lounge collection, which includes a Priority Pass Select membership
• And the same access to the Fine Hotels + Resorts Program

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As for Hotel Elite Status you will get a lower tier level at just two hotel brands compared to the 3 hotels brands that come with the Amex Centurion business card.
These are:

• Marriott Bonvoy Gold Elite Status
• Hilton Honors Gold Status

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And then you can receive Premium Car Rental Privileges through the following companies:

• Hertz President’s Circle
• Avis Preferred
• National Car Rental Emerald Club

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So as you can see, there is a huge range of benefits on offer from the Amex Business Platinum Card.
And whilst some of the benefit’s don’t offer quite as much value as what comes with the Amex Centurion card, its worth remembering that the Amex Platinum card is literally thousands of dollars cheaper on an annual basis.

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Capital One Venture X Business Card

Airport Lounge Access

Now just like the Amex Business Centurion and Platinum cards you will also receive a Priority Pass Select Membership that provides access to over 1,500 airport lounge al over the world.
You will also have access to 3 Capital One Lounges that are all located in the US at the following locations:

• Dallas-Fort Worth (DFW)
• Denver International (DEN)
• Washington Dulles (IAD)

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$100 Credit TSA PreCheck or Global Entry 

You will receive a $100 statement credit for use on either TSA PreCheck or Global Entry. 

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Premier Collection Credit 

Then it also possible to receive a $100 credit when booking a hotel through the Premier Collection.

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So whist the Capital One Venture X Business Card doesn’t offer quite the same level of benefits that come with the Amex Business Centurion and Platinum card, it still provides a decent amount of value for a card that is essentially free on an annual basis.

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Chase Ink Business Preferred Credit Card

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Final Thoughts

Ok so that covers pretty much everything you need to know about these 4 cards, and I must say that there is quite a broad range of value to be had from each card. 
Obviously the more you pay for a specific card, the more benefit you will receive.

Now in my opinion I believe it’s worth considering which benefits you will actually use and take advantage before choosing one of these cards.
As if you don’t use a majority of the benefits the come with your choice of credit card you are potentially wasting your money. 

So let’s just do a quick recap and go back over each section to see how the cards actually compare.

Annual Fee

In terms of the annual fee the Chase Ink Business Preferred Credit Card is the cheapest card on this list with an annual fee of just $95.   
Coming in second is the Capital One Venture X Business Card with an annual fee of $395.
Then stepping it up a little is the Amex Business Platinum Card with an annual fee of $695.
And then in last place is the Amex Business Centurion card with a massive annual fee of $5,000.

1. Chase Ink Business Preferred Credit Card 
2. Capital One Venture X Business Card
3. Amex Business Platinum Card
4. Amex Centurion Business card

Sign-up Bonus

When it comes to the value of the sign-up bonus, the Amex Business Platinum Card comes out on top with a value of $1,750.
Coming in second is the Capital One Venture X Business Card with a sign-up value of $1,500.
In third place is the Chase Ink Business Preferred Credit Card with a sign up value of $1,250.
And again, in last place is the Amex Business Centurion card with no signup bonus at all. 

1. Amex Business Platinum Card 
2. Capital One Venture X Business Card
3. Chase Ink Business Preferred Credit Card
4. Amex Business Centurion card

Earning Miles

Now if you want to earn a ton of points or miles, the Capital One Venture X Business Card has the highest miles earnings potential of all three card.
Coming in second is the Amex Business Platinum Card.
Third place goes to the Amex Business Centurion card.
And last but not least is the Chase Ink Business Preferred Credit Card specifically because it is limited to a spend of just $150,000 on its 3x points earning categories. 

1. Capital One Venture X Business Card
2. Amex Business Platinum Card
3. Amex Business Centurion card
4. Chase Ink Business Preferred Credit Card

Benefits and Perks

So last but not least is benefits and perks, and at the top of the list is the Amex Business Centurion card.
And I say this because in terms of monetary value it is by far the most valuable.  
Coming in second place is the Amex Business Platinum Card.
In third place is the Capital One Venture X Business Card.
And coming in last is the Chase Ink Business Preferred Credit Card, and this is due to the fact that it has no benefits. 

1. Amex Business Centurion card
2. Amex Business Platinum Card
3. Capital One Venture X Business Card
4. Chase Ink Business Preferred Credit Car

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So when it comes to choosing the best business credit card there are quite a few factors to consider such as:
What benefits will you actually use?
Can you earn a decent amount of points or miles with your chosen card?
And, how much are you comfortable spending on an annual basis just to have a credit card?

Now in a perfect world If I could only choose one of these cards, I would have to go with the Amex Business Centurion card as it provides a ton a valuable benefits that easily make up for the cost of the annual fee.

Then the Elite Status with Hilton, Marriot Bonoy, IHG One Rewards and Delta also offer a lot of value.  

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Now in reality, I don’t spend nearly enough money to even be eligible to get the Amex Business Centurion card so it would be somewhat wasted on me.

And thats fine, so in that case I would be perfectly happy with the Amex Business Platinum card.
I already have the Amex Platinum personal card that is very similar in terms of its benefits and perks and I really like it.

Even though the annual fee is seemingly high at $695, if you make use of just 50% of the benefits on offer and then spend a reasonable amount of money on the card each year, you will be getting quite a lot of value in return.

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Now if I had to pick card for third place I would have to go with the Capital One Venture X Business Card.

It has a great miles earning ability making it quite a valuable card to have, especially if you can take advantage of the higher miles earning categories. 

Then the $300 annual travel credit and the 10,000 bonus miles that you will receive each anniversary year really make this card a fantastic choice.

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So that leaves the Chase Ink Business Preferred Credit Card as my last choice.

Now this doesn’t mean it not a good business credit card, it still provides a reasonable amount of value from its points earning potential and a decent sign-up bonus that is worth at least $1,250.

So thats pretty much it! if you’d like to learn more about the Best Airline Credit Cards you can click here, or Hotel Credit Cards you can click here.