SITE-WIDE CARD COMPARISON
Compare Every Card, Side by Side
Every credit card covered on Naya Works — personal travel, business, and hotel co-branded — in one place. Annual fees, welcome offers, and earn rates at a glance, so you can jump straight to the full guide for the card that fits your spend.
15
Cards compared
$0–$895
Annual fee range
3
Categories: travel, business, hotel
Personal Travel & Everyday Cards
The cards most people start with — points, cash back, and travel perks for everyday and travel spend.
| Card | Annual Fee | Welcome Offer | Key Earn Rate | Best For | |
|---|---|---|---|---|---|
| Chase Sapphire Preferred®Chase | $95 | 75,000 pts after $5,000 / 3mo (~$1,500) | 3x dining, 2x travel | Entry-level travelers | Full guide → |
| Chase Sapphire Reserve®Chase | $795 | 125,000 pts after $6,000 / 3mo (~$2,563) | 3x dining & travel, $300 travel credit | Frequent travelers maximizing perks | Full guide → |
| The Platinum Card®American Express | $895 | Up to 175,000 pts after $12,000 / 6mo (varies by applicant) | 5x flights & Amex Travel, lounge access | Frequent travelers & lifestyle spenders | Full guide → |
| American Express® Gold CardAmerican Express | $250 | Up to 100,000 pts after $8,000 / 6mo (varies by applicant) | 4x dining & U.S. supermarkets | Foodies & everyday spenders | Full guide → |
| Blue Cash Preferred® CardAmerican Express | $0 intro, then $95 | Up to $300 cash back after $3,000 / 6mo (varies) | 6% U.S. supermarkets (up to $6K/yr), 6% streaming | Families & grocery shoppers | Full guide → |
Business Cards
For sole proprietors and small-business owners — no employees or revenue required for any of these.
| Card | Annual Fee | Welcome Offer | Key Earn Rate | Best For | |
|---|---|---|---|---|---|
| Ink Business Cash®Chase | $0 | $750 cash back after $6,000 / 3mo | 5% office supply/telecom, 2% gas/dining (capped) | High office supply or telecom spend | Full guide → |
| Ink Business Unlimited®Chase | $0 | $750 cash back after $6,000 / 3mo | 1.5% flat on everything | Simple flat-rate rewards | Full guide → |
| Ink Business Preferred®Chase | $95 | 90,000 pts after $8,000 / 3mo | 3x travel, shipping, internet/phone, advertising (first $150K/yr) | Travel & advertising spend | Full guide → |
| Ink Business Premier®Chase | $195 | $1,000 cash back after $10,000 / 3mo | 2.5% on purchases $5,000+, 2% on everything else | Large one-time purchases | Full guide → |
| Amex Business Platinum®American Express | $895 | Up to 300,000 pts after $20,000 / 3mo (varies) | 1.5x on purchases over $5,000, 35% pts back on select flights | Premium business travelers | Full guide → |
| Blue Business Plus®American Express | $0 | Public offer ~15K pts (targeted up to 75K, varies) | 2x on everything (first $50K/yr), then 1x | Simple no-fee 2x on everyday spend | Full guide → |
| Amex Business Gold®American Express | $375 | Up to 200,000 pts after $15,000 / 3mo (varies) | 4x on your top 2 spend categories each month (up to $150K/yr combined) | Spend that shifts month to month | Full guide → |
| Delta SkyMiles® Gold Business AmexAmerican Express | $0 intro, then $150 | 90,000 miles after $6,000 / 6mo (ends 11/4/26) | 2x Delta purchases & dining, 2x U.S. shipping/advertising | Delta flyers | Full guide → |
Hotel Co-Branded Cards
Marriott Bonvoy cards across Chase and Amex — stack a personal and business card to accelerate toward elite status.
| Card | Annual Fee | Welcome Offer | Key Earn Rate | Best For | |
|---|---|---|---|---|---|
| Marriott Bonvoy Boundless®Chase · Personal | $95 | 125,000 pts + 1 Free Night after $3,000 / 3mo | Automatic Silver Elite, 15 elite night credits | Marriott loyalists seeking value | Full guide → |
| Marriott Bonvoy Business® AmexAmerican Express · Business | $125 | 150,000 pts + $125 credit after $8,000 / 6mo (ends 7/15/26) | 15 elite night credits, doesn’t count toward 5/24 | Business travelers who stay at Marriott | Full guide → |
⚠ All annual fees, welcome offers, and earn rates shown are based on publicly available information as of October 2026 and may have changed. Welcome offers vary by applicant and you may not be eligible for the maximum bonus shown based on your account history with each issuer. This is not financial advice — always verify current terms directly at chase.com or americanexpress.com before applying. Naya Works may earn a referral bonus if you’re approved through a link on one of the full guide pages above.