| card_name | card_name | card_name | |
| Welcome Bonus | |||
| Credit Needed | Excellent | Good | Good |
| Annual Fee | $95 | $0 | $0 |
| Points/Cash Back Earnings Categories | 5x points on Lyft rides 3x points on the first $150,00 you spend annually on travel, cable, shipping, internet, phone, and advertising 1 point per dollar for all other purchases |
Unlimited 1.5% cash back on all purchases 5% cash back on Lyft rides |
|
| Intro 0% APR | none | Intro 0% APR for 12 months on purchases | Intro 0% APR for 12 months on purchases |
| Foreign Transaction Fee | none | 3% | 3% |
| Car Rental Insurance | Primary coverage on rentals for business purpose, secondary coverage on rentals for personal purpose. | Primary coverage on rentals for business purpose, secondary coverage on rentals for personal purpose. | Primary coverage on rentals for business purpose, secondary coverage on rentals for personal purpose. |
| Purchase protection | Up to 120 days. $10,000 per claim ($50,000 per account) | Up to 120 days. $10,000 per claim ($50,000 per account) | Up to 120 days. $10,000 per claim ($50,000 per account) |
| Cell Phone Protection | none | none | |
| Extended Warranty | One additional year (limit $10,000 each claim and $50,000 max per account) | One additional year (limit $10,000 each claim and $50,000 max per account) | One additional year (limit $10,000 each claim and $50,000 max per account) |
| Trip cancellation/ Interruption insurance | Up to $5,000 per person per trip for a max of $20,000 per year | none | none |
| Lost Luggage | Up to $3,000 per person | Up to $3,000 per person | Up to $3,000 per person |
| Trip Delay Reimbursement | If delayed more than 12 hours or overnight you can claim up to $500 | none | none |
| Baggage Delay | If delayed for a minimum of 6 hours you can claim up to $100 a day for up to 5 days | If delayed for a minimum of 6 hours you can claim up to $100 a day for up to 5 days | If delayed for a minimum of 6 hours you can claim up to $100 a day for up to 5 days |
| Travel Accident Insurance | Up to $500,000 if occurred on the carrier or at the airport/station. Up to $100,000 if occurred from when you leave until you return. | Up to $500,000 if occurred on the carrier or at the airport/station. Up to $100,000 if occurred from when you leave until you return. | Up to $500,000 if occurred on the carrier or at the airport/station. Up to $100,000 if occurred from when you leave until you return. |
| Roadside Assistance | Services include: short distance towing, winching, gas delivery, lockout service, and tire changes | Services include: short distance towing, winching, gas delivery, lockout service, and tire changes | Services include: short distance towing, winching, gas delivery, lockout service, and tire changes |
| Best For: | A business which requires frequent travel Spends a lot in the categories mentioned above | A business that does not spend a lot by the high earning categories from the Chase Ink Cash and would rather earn 1.5% cashback on all purchases. Wants to pay for large purchases interest fee over a period of time | A business which spends on office supplies and internet and phone service wants to pay for large purchases interest fee over a period of time |
| Point Value | Points redeemed for 1.25 cents per point for travel. Can be redeemed for 1 cent per point for statement credit or cash. Points can be transferred to airline and hotel partner programs. If the points are transferred to the Sapphire Reserve, they can be redeemed for 1.5 cents per point towards travel | Points are redeemed for 1 cent for travel, statement credit, and cash back If the points are transferred to the Sapphire Reserve, they can be redeemed for 1.5 cents per point towards travel | Points are redeemed for 1 cent for travel, statement credit, and cash back. If the points are transferred to the Sapphire Reserve, they can be redeemed for 1.5 cents per point towards travel |
In Summary
If you travel often, the card_name is the way to go. Keep in mind that you’ll have to be able to spend a bit more within the first 3 months to receive the welcome bonus. The card_name comes along with some additional benefits like cell phone protection, trip cancellation insurance, and trip delay reimbursement. Remember, though, you’ll be paying for that with the $95 annual fee, while the card_name and card_name have a $0 annual fee.
If you spend a lot in office supply stores, or on internet, cable, and phone service, then the card_name will be the better card as it will earn you 5% cash back on up to $25,000 you spend at these categories annually.
In either case, it’s always good to have the card_name as well as that card will earn you unlimited 1.5 cashback (can be combined as points as well) on all purchases!
The card_name and the card_name also have the benefit of Intro 0% APR on all purchases for the first 12 months which can be very useful for many businesses to help them manage their cash flow.
Take all Three
It’s important to note that you can have all three cards if you would like as well. Every card as you see above has its own uniqueness so either choose the card that works best for you or just take them all!
Have a great day!
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