Card Comparator
Set your spend and credit-usage assumptions, then instantly rank cards by first-year and second-year net value.
Last updated: Feb 16, 2026
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Ranked Cards
The Business Platinum Card® from American Express is currently #1 by first-year net value.
#1
The Business Platinum Card® from American Express
First Year Net
$9,708
Second Year Net
$6,508
Rewards Value$714
Welcome Offer$3,200
Annual Fee-$895
Credits & Perks
Fine Hotels + Resorts/The Hotel Collection Credit$600
Airline Fee Credit$200
Hilton Statement Credit$200
CLEAR Plus Credit$209
Dell Technologies Credit ($150)$150
Dell Technologies Credit ($1,000 after $5,000 spend)$1,000
Adobe Credit$250
Indeed Credit$360
Wireless Credit$120
American Express One AP Statement Credit$2,400
Amex Travel Online Flight Statement Credit$1,200
2x other
#2
Capital One Venture X Business
First Year Net
$7,539
Second Year Net
$1,139
Rewards Value$1,114
Welcome Offer$6,400
Annual Fee-$395
Credits & Perks
Annual Capital One Travel Credit$300
Global Entry/TSA PreCheck Application Fee Credit$120
5x entertainment2x travel2x dining
#3
Chase Sapphire Reserve®
First Year Net
$6,558
Second Year Net
$4,558
Rewards Value$2,663
Welcome Offer$2,000
Annual Fee-$795
Credits & Perks
Annual Travel Credit$300
The Edit Credit$500
Annual Dining Credit$300
Annual StubHub Credit$300
Lyft Monthly Credit$120
Peloton Membership Credit$120
DoorDash Restaurant Promo$60
DoorDash Non‑Restaurant Promos$240
The Shops at Chase Credit (after $75k spend)$250
Southwest Airlines Chase Travel Credit (after $75k spend)$500
10x other5x gas + transit4x travel
#4
Sapphire Reserve for Business℠
First Year Net
$6,210
Second Year Net
$3,010
Rewards Value$1,185
Welcome Offer$3,200
Annual Fee-$795
Credits & Perks
The Edit Hotel Credit$500
Annual Travel Credit$300
Curated Gift Card Credit$100
Lyft Monthly Credit$120
Google Workspace Credit$200
ZipRecruiter Credit$400
Southwest Chase Travel Credit (after $120k spend)$500
The Shops at Chase Credit (after $120k spend)$500
5x gas + transit4x travel3x other
#5
American Express Platinum Card®
First Year Net
$5,212
Second Year Net
$2,412
Rewards Value$522
Welcome Offer$2,800
Annual Fee-$895
Credits & Perks
Uber One Credit$120
Digital Entertainment Credit$300
Hotel Credit (FHR/The Hotel Collection)$600
Resy Credit$400
CLEAR Plus Credit$209
Airline Fee Credit$200
lululemon Credit$300
Walmart+ Monthly Membership Credit$155
Oura Ring Credit$200
Equinox Credit$300
#6
Hilton Honors American Express Aspire Card
First Year Net
$3,581
Second Year Net
$781
Rewards Value$522
Welcome Offer$2,800
Annual Fee-$550
Credits & Perks
Hilton Resort Credit$400
Flight Credit$200
CLEAR Plus Credit$209
#7
Hilton Honors American Express Surpass® Card
First Year Net
$3,052
Second Year Net
$572
Rewards Value$522
Welcome Offer$2,480
Annual Fee-$150
Credits & Perks
Hilton Statement Credit$200
#8
American Express® Business Gold Card
First Year Net
$3,021
Second Year Net
$1,421
Rewards Value$1,401
Welcome Offer$1,600
Annual Fee-$375
Credits & Perks
Flexible Business Credit$240
Walmart+ Membership Credit$155
4x dining4x gas + transit4x other
#9
Citi Strata Elite℠ Card
First Year Net
$2,901
Second Year Net
$1,301
Rewards Value$1,086
Welcome Offer$1,600
Annual Fee-$595
Credits & Perks
Splurge Credit$200
Blacklane Chauffeur Credit$200
Citigold Private Client Annual Credit$145
Citigold Annual Credit$145
Global Entry/TSA PreCheck Application Fee Credit$120
6x dining1.5x travel1.5x groceries
#10
IHG One Rewards Premier Credit Card
First Year Net
$2,883
Second Year Net
$643
Rewards Value$522
Welcome Offer$2,240
Annual Fee-$99
Credits & Perks
Annual $100 Spend Credit$100
Global Entry/TSA PreCheck/NEXUS Application Fee Credit$120
#11
Delta SkyMiles® Gold Business American Express Card
First Year Net
$2,773
Second Year Net
$1,183
Rewards Value$863
Welcome Offer$1,440
Annual Fee-$150
Intro Annual Fee-$0
Credits & Perks
Delta Stays Credit$150
Delta Flight Credit$200
Uber One Membership Credit$120
2x travel2x dining2x gas + transit
#12
American Express® Gold Card
First Year Net
$2,706
Second Year Net
$1,106
Rewards Value$1,127
Welcome Offer$1,600
Annual Fee-$325
Credits & Perks
Resy Credit$100
Dining Credit$120
Dunkin' Credit$84
4x dining4x groceries
#13
Ink Business Preferred® Credit Card
First Year Net
$2,642
Second Year Net
$1,042
Rewards Value$1,137
Welcome Offer$1,600
Annual Fee-$95
5x gas + transit3x travel3x other
#14
Bilt Mastercard®
First Year Net
$2,567
Second Year Net
$2,567
Rewards Value$2,567
Welcome Offer$0
Annual Fee-$0
10x other5x gas + transit3x dining
#15
United℠ Business Card
First Year Net
$2,482
Second Year Net
$1,132
Rewards Value$522
Welcome Offer$1,200
Annual Fee-$150
Intro Annual Fee-$0
Credits & Perks
United Annual TravelBank Credit$125
United Hotels Credit$100
Rideshare Credit (Jan–Nov)$96
Rideshare Credit (December)$144
Avis/Budget Car Rental TravelBank Credit$50
Instacart Monthly Credit$120
FareLock Credit$25
JSX Annual Credit$100
#16
Chase Sapphire Preferred® Card
First Year Net
$2,439
Second Year Net
$1,239
Rewards Value$1,164
Welcome Offer$1,200
Annual Fee-$95
Credits & Perks
Hotel Credit$50
DoorDash Non-Restaurant Promo$120
5x travel3x dining3x groceries
#17
Marriott Bonvoy Business® American Express® Card
First Year Net
$2,397
Second Year Net
$397
Rewards Value$522
Welcome Offer$2,000
Annual Fee-$125
#18
Delta SkyMiles® Gold American Express Card
First Year Net
$2,384
Second Year Net
$794
Rewards Value$724
Welcome Offer$1,440
Annual Fee-$150
Intro Annual Fee-$0
Credits & Perks
Delta Stays Credit$100
Uber One Membership Credit$120
2x dining2x groceries
#19
Capital One Venture Rewards Credit Card
First Year Net
$2,339
Second Year Net
$1,139
Rewards Value$1,114
Welcome Offer$1,200
Annual Fee-$95
Credits & Perks
Global Entry/TSA PreCheck Credit$120
5x entertainment2x travel2x dining
#20
Capital One Venture X Rewards Credit Card
First Year Net
$2,339
Second Year Net
$1,139
Rewards Value$1,114
Welcome Offer$1,200
Annual Fee-$395
Credits & Perks
Capital One Travel Credit$300
Global Entry/TSA PreCheck Credit$120
5x entertainment2x travel2x dining
#21
British Airways Visa Signature® Card
First Year Net
$2,323
Second Year Net
$1,123
Rewards Value$618
Welcome Offer$1,200
Annual Fee-$95
Credits & Perks
Reward Flight Statement Credit$600
3x travel
#22
United Club℠ Card
First Year Net
$2,317
Second Year Net
$717
Rewards Value$522
Welcome Offer$1,600
Annual Fee-$695
Credits & Perks
Renowned Hotels Credit$200
Rideshare Credit$150
Avis/Budget TravelBank Credit$100
Instacart Credits$240
JSX Credit$200
#23
Delta SkyMiles® Platinum Business American Express Card
First Year Net
$2,185
Second Year Net
$1,065
Rewards Value$855
Welcome Offer$1,120
Annual Fee-$350
Credits & Perks
Resy Credit$120
Rideshare Credit$120
Delta Stays Credit$200
Uber One Membership Credit$120
3x travel1.5x dining1.5x groceries
#24
United℠ Explorer Card
First Year Net
$2,172
Second Year Net
$902
Rewards Value$522
Welcome Offer$1,120
Annual Fee-$150
Intro Annual Fee-$0
Credits & Perks
Rideshare Credit$60
Instacart Credit$120
United Hotels Credit$100
JSX Credit$100
United TravelBank Credit$100
Avis/Budget Car Rental Credit$50
#25
Delta SkyMiles® Reserve Business American Express Card
First Year Net
$2,143
Second Year Net
$863
Rewards Value$783
Welcome Offer$1,280
Annual Fee-$650
Credits & Perks
Resy Credit$240
Rideshare Credit$120
Delta Stays Credit$250
Uber One Credit$120
1.5x travel1.5x dining1.5x groceries
#26
Citi Strata Premier® Card
First Year Net
$2,054
Second Year Net
$1,094
Rewards Value$1,089
Welcome Offer$960
Annual Fee-$95
Credits & Perks
Annual Hotel Benefit$100
3x travel3x dining3x groceries
#27
Capital One Spark Miles for Business
First Year Net
$2,034
Second Year Net
$1,234
Rewards Value$1,114
Welcome Offer$800
Annual Fee-$0
Credits & Perks
Global Entry/TSA PreCheck Credit$120
5x entertainment2x travel2x dining
#28
Wells Fargo Autograph Journey℠ Card
First Year Net
$2,013
Second Year Net
$1,053
Rewards Value$1,098
Welcome Offer$960
Annual Fee-$95
Credits & Perks
Annual Airline Credit$50
5x travel3x other
#29
Delta SkyMiles® Platinum American Express Card
First Year Net
$1,940
Second Year Net
$980
Rewards Value$820
Welcome Offer$960
Annual Fee-$350
Credits & Perks
Resy Credit$120
Rideshare Credit$120
Delta Stays Credit$150
Uber One Credit$120
3x travel2x dining2x groceries
#30
Southwest® Rapid Rewards® Premier Business Credit Card
First Year Net
$1,833
Second Year Net
$873
Rewards Value$522
Welcome Offer$960
Annual Fee-$149
Credits & Perks
Southwest Points Transfer Fee Credit$500
#31
United Quest℠ Card
First Year Net
$1,820
Second Year Net
$700
Rewards Value$522
Welcome Offer$1,120
Annual Fee-$350
Credits & Perks
Rideshare Credit (Jan–Nov)$96
Rideshare Credit (December)$12
Renowned Hotels Credit$150
JSX Credit$150
Global Entry/TSA PreCheck/NEXUS Fee Credit$120
#32
IHG One Rewards Traveler Credit Card
First Year Net
$1,802
Second Year Net
$522
Rewards Value$522
Welcome Offer$1,280
Annual Fee-$0
#33
Bilt Palladium Card
First Year Net
$1,749
Second Year Net
$949
Rewards Value$1,044
Welcome Offer$800
Annual Fee-$495
Credits & Perks
Bilt Travel Hotel Credit$400
2x travel2x dining2x groceries
#34
Aeroplan® Credit Card
First Year Net
$1,747
Second Year Net
$547
Rewards Value$522
Welcome Offer$1,200
Annual Fee-$95
Credits & Perks
Global Entry/TSA PreCheck/NEXUS Application Fee Credit$120
#35
Ink Business Cash® Credit Card
First Year Net
$1,682
Second Year Net
$932
Rewards Value$932
Welcome Offer$750
Annual Fee-$0
5% gas + transit5% other2% dining
#36
Delta SkyMiles® Reserve American Express Card
First Year Net
$1,672
Second Year Net
$552
Rewards Value$522
Welcome Offer$1,120
Annual Fee-$650
Credits & Perks
Delta Stays Credit$200
Resy Credit$240
Rideshare Credit$120
Uber One Membership Credit$120
#1
The Business Platinum Card® from American Express
First Year Net
$9,708
Second Year Net
$6,508
Rewards Value$714
Welcome Offer$3,200
Annual Fee-$895
Credits & Perks
Fine Hotels + Resorts/The Hotel Collection Credit$600
Airline Fee Credit$200
Hilton Statement Credit$200
CLEAR Plus Credit$209
Dell Technologies Credit ($150)$150
Dell Technologies Credit ($1,000 after $5,000 spend)$1,000
Adobe Credit$250
Indeed Credit$360
Wireless Credit$120
American Express One AP Statement Credit$2,400
Amex Travel Online Flight Statement Credit$1,200
2x other
#2
Capital One Venture X Business
First Year Net
$7,539
Second Year Net
$1,139
Rewards Value$1,114
Welcome Offer$6,400
Annual Fee-$395
Credits & Perks
Annual Capital One Travel Credit$300
Global Entry/TSA PreCheck Application Fee Credit$120
5x entertainment2x travel2x dining
#3
Chase Sapphire Reserve®
First Year Net
$6,558
Second Year Net
$4,558
Rewards Value$2,663
Welcome Offer$2,000
Annual Fee-$795
Credits & Perks
Annual Travel Credit$300
The Edit Credit$500
Annual Dining Credit$300
Annual StubHub Credit$300
Lyft Monthly Credit$120
Peloton Membership Credit$120
DoorDash Restaurant Promo$60
DoorDash Non‑Restaurant Promos$240
The Shops at Chase Credit (after $75k spend)$250
Southwest Airlines Chase Travel Credit (after $75k spend)$500
10x other5x gas + transit4x travel
#4
Sapphire Reserve for Business℠
First Year Net
$6,210
Second Year Net
$3,010
Rewards Value$1,185
Welcome Offer$3,200
Annual Fee-$795
Credits & Perks
The Edit Hotel Credit$500
Annual Travel Credit$300
Curated Gift Card Credit$100
Lyft Monthly Credit$120
Google Workspace Credit$200
ZipRecruiter Credit$400
Southwest Chase Travel Credit (after $120k spend)$500
The Shops at Chase Credit (after $120k spend)$500
5x gas + transit4x travel3x other
#5
American Express Platinum Card®
First Year Net
$5,212
Second Year Net
$2,412
Rewards Value$522
Welcome Offer$2,800
Annual Fee-$895
Credits & Perks
Uber One Credit$120
Digital Entertainment Credit$300
Hotel Credit (FHR/The Hotel Collection)$600
Resy Credit$400
CLEAR Plus Credit$209
Airline Fee Credit$200
lululemon Credit$300
Walmart+ Monthly Membership Credit$155
Oura Ring Credit$200
Equinox Credit$300
#6
Hilton Honors American Express Aspire Card
First Year Net
$3,581
Second Year Net
$781
Rewards Value$522
Welcome Offer$2,800
Annual Fee-$550
Credits & Perks
Hilton Resort Credit$400
Flight Credit$200
CLEAR Plus Credit$209
#7
Hilton Honors American Express Surpass® Card
First Year Net
$3,052
Second Year Net
$572
Rewards Value$522
Welcome Offer$2,480
Annual Fee-$150
Credits & Perks
Hilton Statement Credit$200
#8
American Express® Business Gold Card
First Year Net
$3,021
Second Year Net
$1,421
Rewards Value$1,401
Welcome Offer$1,600
Annual Fee-$375
Credits & Perks
Flexible Business Credit$240
Walmart+ Membership Credit$155
4x dining4x gas + transit4x other
#9
Citi Strata Elite℠ Card
First Year Net
$2,901
Second Year Net
$1,301
Rewards Value$1,086
Welcome Offer$1,600
Annual Fee-$595
Credits & Perks
Splurge Credit$200
Blacklane Chauffeur Credit$200
Citigold Private Client Annual Credit$145
Citigold Annual Credit$145
Global Entry/TSA PreCheck Application Fee Credit$120
6x dining1.5x travel1.5x groceries
#10
IHG One Rewards Premier Credit Card
First Year Net
$2,883
Second Year Net
$643
Rewards Value$522
Welcome Offer$2,240
Annual Fee-$99
Credits & Perks
Annual $100 Spend Credit$100
Global Entry/TSA PreCheck/NEXUS Application Fee Credit$120
#11
Delta SkyMiles® Gold Business American Express Card
First Year Net
$2,773
Second Year Net
$1,183
Rewards Value$863
Welcome Offer$1,440
Annual Fee-$150
Intro Annual Fee-$0
Credits & Perks
Delta Stays Credit$150
Delta Flight Credit$200
Uber One Membership Credit$120
2x travel2x dining2x gas + transit
#12
American Express® Gold Card
First Year Net
$2,706
Second Year Net
$1,106
Rewards Value$1,127
Welcome Offer$1,600
Annual Fee-$325
Credits & Perks
Resy Credit$100
Dining Credit$120
Dunkin' Credit$84
4x dining4x groceries
#13
Ink Business Preferred® Credit Card
First Year Net
$2,642
Second Year Net
$1,042
Rewards Value$1,137
Welcome Offer$1,600
Annual Fee-$95
5x gas + transit3x travel3x other
#14
Bilt Mastercard®
First Year Net
$2,567
Second Year Net
$2,567
Rewards Value$2,567
Welcome Offer$0
Annual Fee-$0
10x other5x gas + transit3x dining
#15
United℠ Business Card
First Year Net
$2,482
Second Year Net
$1,132
Rewards Value$522
Welcome Offer$1,200
Annual Fee-$150
Intro Annual Fee-$0
Credits & Perks
United Annual TravelBank Credit$125
United Hotels Credit$100
Rideshare Credit (Jan–Nov)$96
Rideshare Credit (December)$144
Avis/Budget Car Rental TravelBank Credit$50
Instacart Monthly Credit$120
FareLock Credit$25
JSX Annual Credit$100
#16
Chase Sapphire Preferred® Card
First Year Net
$2,439
Second Year Net
$1,239
Rewards Value$1,164
Welcome Offer$1,200
Annual Fee-$95
Credits & Perks
Hotel Credit$50
DoorDash Non-Restaurant Promo$120
5x travel3x dining3x groceries
#17
Marriott Bonvoy Business® American Express® Card
First Year Net
$2,397
Second Year Net
$397
Rewards Value$522
Welcome Offer$2,000
Annual Fee-$125
#18
Delta SkyMiles® Gold American Express Card
First Year Net
$2,384
Second Year Net
$794
Rewards Value$724
Welcome Offer$1,440
Annual Fee-$150
Intro Annual Fee-$0
Credits & Perks
Delta Stays Credit$100
Uber One Membership Credit$120
2x dining2x groceries
#19
Capital One Venture Rewards Credit Card
First Year Net
$2,339
Second Year Net
$1,139
Rewards Value$1,114
Welcome Offer$1,200
Annual Fee-$95
Credits & Perks
Global Entry/TSA PreCheck Credit$120
5x entertainment2x travel2x dining
#20
Capital One Venture X Rewards Credit Card
First Year Net
$2,339
Second Year Net
$1,139
Rewards Value$1,114
Welcome Offer$1,200
Annual Fee-$395
Credits & Perks
Capital One Travel Credit$300
Global Entry/TSA PreCheck Credit$120
5x entertainment2x travel2x dining
#21
British Airways Visa Signature® Card
First Year Net
$2,323
Second Year Net
$1,123
Rewards Value$618
Welcome Offer$1,200
Annual Fee-$95
Credits & Perks
Reward Flight Statement Credit$600
3x travel
#22
United Club℠ Card
First Year Net
$2,317
Second Year Net
$717
Rewards Value$522
Welcome Offer$1,600
Annual Fee-$695
Credits & Perks
Renowned Hotels Credit$200
Rideshare Credit$150
Avis/Budget TravelBank Credit$100
Instacart Credits$240
JSX Credit$200
#23
Delta SkyMiles® Platinum Business American Express Card
First Year Net
$2,185
Second Year Net
$1,065
Rewards Value$855
Welcome Offer$1,120
Annual Fee-$350
Credits & Perks
Resy Credit$120
Rideshare Credit$120
Delta Stays Credit$200
Uber One Membership Credit$120
3x travel1.5x dining1.5x groceries
#24
United℠ Explorer Card
First Year Net
$2,172
Second Year Net
$902
Rewards Value$522
Welcome Offer$1,120
Annual Fee-$150
Intro Annual Fee-$0
Credits & Perks
Rideshare Credit$60
Instacart Credit$120
United Hotels Credit$100
JSX Credit$100
United TravelBank Credit$100
Avis/Budget Car Rental Credit$50
#25
Delta SkyMiles® Reserve Business American Express Card
First Year Net
$2,143
Second Year Net
$863
Rewards Value$783
Welcome Offer$1,280
Annual Fee-$650
Credits & Perks
Resy Credit$240
Rideshare Credit$120
Delta Stays Credit$250
Uber One Credit$120
1.5x travel1.5x dining1.5x groceries
#26
Citi Strata Premier® Card
First Year Net
$2,054
Second Year Net
$1,094
Rewards Value$1,089
Welcome Offer$960
Annual Fee-$95
Credits & Perks
Annual Hotel Benefit$100
3x travel3x dining3x groceries
#27
Capital One Spark Miles for Business
First Year Net
$2,034
Second Year Net
$1,234
Rewards Value$1,114
Welcome Offer$800
Annual Fee-$0
Credits & Perks
Global Entry/TSA PreCheck Credit$120
5x entertainment2x travel2x dining
#28
Wells Fargo Autograph Journey℠ Card
First Year Net
$2,013
Second Year Net
$1,053
Rewards Value$1,098
Welcome Offer$960
Annual Fee-$95
Credits & Perks
Annual Airline Credit$50
5x travel3x other
#29
Delta SkyMiles® Platinum American Express Card
First Year Net
$1,940
Second Year Net
$980
Rewards Value$820
Welcome Offer$960
Annual Fee-$350
Credits & Perks
Resy Credit$120
Rideshare Credit$120
Delta Stays Credit$150
Uber One Credit$120
3x travel2x dining2x groceries
#30
Southwest® Rapid Rewards® Premier Business Credit Card
First Year Net
$1,833
Second Year Net
$873
Rewards Value$522
Welcome Offer$960
Annual Fee-$149
Credits & Perks
Southwest Points Transfer Fee Credit$500
#31
United Quest℠ Card
First Year Net
$1,820
Second Year Net
$700
Rewards Value$522
Welcome Offer$1,120
Annual Fee-$350
Credits & Perks
Rideshare Credit (Jan–Nov)$96
Rideshare Credit (December)$12
Renowned Hotels Credit$150
JSX Credit$150
Global Entry/TSA PreCheck/NEXUS Fee Credit$120
#32
IHG One Rewards Traveler Credit Card
First Year Net
$1,802
Second Year Net
$522
Rewards Value$522
Welcome Offer$1,280
Annual Fee-$0
#33
Bilt Palladium Card
First Year Net
$1,749
Second Year Net
$949
Rewards Value$1,044
Welcome Offer$800
Annual Fee-$495
Credits & Perks
Bilt Travel Hotel Credit$400
2x travel2x dining2x groceries
#34
Aeroplan® Credit Card
First Year Net
$1,747
Second Year Net
$547
Rewards Value$522
Welcome Offer$1,200
Annual Fee-$95
Credits & Perks
Global Entry/TSA PreCheck/NEXUS Application Fee Credit$120
#35
Ink Business Cash® Credit Card
First Year Net
$1,682
Second Year Net
$932
Rewards Value$932
Welcome Offer$750
Annual Fee-$0
5% gas + transit5% other2% dining
#36
Delta SkyMiles® Reserve American Express Card
First Year Net
$1,672
Second Year Net
$552
Rewards Value$522
Welcome Offer$1,120
Annual Fee-$650
Credits & Perks
Delta Stays Credit$200
Resy Credit$240
Rideshare Credit$120
Uber One Membership Credit$120