Best Credit Cards — October 2025

While listed as a cashback card, you can combine the points you earn with another Ultimate Rewards card. That will allow you to transfer the points from the Ink Unlimited to airline and hotel partners.

While listed as a cashback card, you can combine the points you earn with another Ultimate Rewards card. That will allow you to transfer the points from the Ink Cash to airline and hotel partners.

It might technically earn cashback but, when paired with a Sapphire or Ink Preferred, your points can be transferred to partners. Thanks to great 3% bonus categories and 1.5% back on all other spend, this is a great supplementary card.

It might technically earn cashback but, when paired with a Sapphire or Ink Preferred, your points can be transferred to partners. Thanks to great 3% bonus categories and rotating quarterly 5% bonus categories, this is a great supplementary card.

Listed as a cash back card, you can turn the cash into transferable points by moving the cash back to a card that earns Capital One Miles (i.e. Capital One Venture X). It’s also a charge card so there’s no set limit if you have large business expenses.

The Capital One Spark Cash is arguably one of the most lucrative cash back business credit card out there. Unlimited 2% cash back is pretty tough to beat, especially if you don’t want to learn the ins-and-outs of redeeming miles. The card also has an excellent welcome bonus, as well as the annual fee waived for the first year. For a vast majority of businesses, I think a card like this is a great option for earning generous yet straightforward rewards.

Pair this no annual fee card with the Citi Premier and the cash back you earn can become transferable ThankYou Points. Since you’ll earn 2x on all purchases, this card makes sure you never have to earn 1x.