Chase Sapphire Reserve® Review for 2022
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This article is part of a larger series on Best Small Business Credit Cards.
The Chase Sapphire Reserve® card is a personal credit card that’s ideal for business owners who travel frequently and need complimentary access to more than 1,000 airport lounges in 500 cities worldwide. It offers premium rewards on flights, hotel bookings, and car rentals. However, this card comes with a high annual fee of $550 and an additional charge of $75 for each authorized user.
Chase Sapphire Reserve®
BEST FOR:
Receiving exceptional travel rewards and benefits
Intro APR
N/A
Regular APR
18.49% to 25.49% Variable
Annual Fee
$550
Credit Needed
Good - Excellent
- 50,000 Bonus points after you spend $4,000 on purchases in the first three months from account opening.
- Receive up to $300 in statement credits automatically as reimbursement for travel purchases charged to your card each account anniversary year.
- 3x Points on travel and dining.
Pros
- Annual travel credit
- Rewards are worth 50% more when redeemed for travel
- Complimentary airport lounge access
Cons
- High annual fee that’s never waived
- Lower reward redemption value for merchandise
- Requires excellent personal credit
- Airport lounge access: Enjoy access to more than 1,000 priority pass lounges worldwide for free prior to airline travel.
- Annual travel credit: You’ll receive a $300 annual travel credit that can be applied liberally toward your travel purchases.
- Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.
- Trip delay insurance: If your travel is delayed more than 12 hours or you require an overnight stay as a result of a delay, you’re covered for unreimbursed expenses, such as meals and lodging, up to $500.
- Global Entry or TSA Pre✓® fee credit: Receive a statement credit of up to $100 every four years as reimbursement for the application fee charged to your card.
- Trip cancellation and trip interruption insurance: Covers up to $10,000 per trip for prepaid, nonrefundable travel expenses if your trip is cut short or interrupted by sickness or bad weather.
Intro APR
N/A
Regular APR
18.49% to 25.49% Variable
Annual Fee
$550
Credit Needed
Good - Excellent
- 50,000 Bonus points after you spend $4,000 on purchases in the first three months from account opening.
- Receive up to $300 in statement credits automatically as reimbursement for travel purchases charged to your card each account anniversary year.
- 3x Points on travel and dining.
Pros
- Annual travel credit
- Rewards are worth 50% more when redeemed for travel
- Complimentary airport lounge access
Cons
- High annual fee that’s never waived
- Lower reward redemption value for merchandise
- Requires excellent personal credit
- Airport lounge access: Enjoy access to more than 1,000 priority pass lounges worldwide for free prior to airline travel.
- Annual travel credit: You’ll receive a $300 annual travel credit that can be applied liberally toward your travel purchases.
- Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.
- Trip delay insurance: If your travel is delayed more than 12 hours or you require an overnight stay as a result of a delay, you’re covered for unreimbursed expenses, such as meals and lodging, up to $500.
- Global Entry or TSA Pre✓® fee credit: Receive a statement credit of up to $100 every four years as reimbursement for the application fee charged to your card.
- Trip cancellation and trip interruption insurance: Covers up to $10,000 per trip for prepaid, nonrefundable travel expenses if your trip is cut short or interrupted by sickness or bad weather.
Do you want to compare the features of one card to another? We’ve made it easy for you to do that—check off up to three cards on this page to add them to your cart. This will allow you to view the details in a side-by-side comparison.
How We Evaluate Travel Rewards Credit Cards
When grading travel rewards credit cards like the Chase Sapphire Reserve® credit card, we first consider the introductory rewards, ongoing rewards, and additional card features. We also take into account the annual fee, ongoing annual percentage rate (APR), and introductory APR.
Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
Ongoing Rewards | 25 | 25 |
Introductory Rewards | 20 | 25 |
Annual Fee | 25 | 25 |
Additional Features | 0 | 15 |
Introductory APR | 0 | 5 |
Ongoing APR | 3 | 5 |
Total Score | 73 | 100 |
Who the Chase Sapphire Reserve® Is Best For
- Business owners who travel frequently: The Chase Sapphire Reserve® credit card offers premium rewards for flights, hotel stays, dining, and car rentals that are booked through Chase Ultimate Rewards®.
- Business owners who need access to airport lounges: This card also offers Priority PassTM Select, which provides complimentary access to more than 1,000 airport lounges in 500 cities worldwide.
The Chase Sapphire Reserve® credit card made it to our list of the best business credit cards with airport lounge access because it offers access to Priority PassTM Select and provides premium travel rewards and perks.
Chase Sapphire Reserve® Fees
- Introductory APR: None
- Ongoing APR: 16.99% to 23.99% variable—adjusts with the prime rate
- Annual fee: $550, plus $75 for each authorized user
- Balance transfer fee: $5 or 5% of the amount of each transfer, whichever is greater
- Foreign transaction fee: None
- Cash advance fee: $10 or 5% of the amount of each transaction, whichever is greater—APR is 24.99%
How to Make Payments on the Chase Sapphire Reserve® Credit Card?
- Online or mobile app: Go to chase.com/paycard to sign in and make a payment online. You can also enroll in automatic payments through the website or mobile app. When you enroll, specify the deposit account from which your payment will be deducted and how much you’d like to pay, such as your statement balance, minimum payment due, or any fixed amount.
- By phone: You can also make a payment through the automated phone service by calling (800) 436-7958.
- Check by mail or money order: You should include your name and full account number on your check or money order. Don’t send cash.
Mail your payment to the following address:
Cardmember Services
P.O. Box 6294
Carol Stream, IL 60197-6294
For overnight mail, send your payment to:
Chase Card Services
201 N. Walnut Street
De1-0153
Wilmington, DE 19801
Chase Sapphire Reserve® Rewards
- 50,000 bonus points after you spend $4,000 on purchases in the first three months after opening an account
- $300 annual travel statement credit as reimbursement for travel purchases charged to your card each account anniversary year
- 5x total points on flights when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually
- 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® after the first $300 are spent on travel purchases annually
- 3x points on other travel worldwide after the first $300 are spent on travel purchases annually
- 10x total points on Chase dining purchases with Ultimate Rewards®
- 3x points on other dining at restaurants, including eligible delivery services, takeout, and dining out
- 1 point per dollar spent on all other purchases
You can redeem your points as a statement credit, gift cards, or for travel. Your points are worth 50% more when you redeem for travel through Chase Ultimate Rewards®. For example, 50,000 points are worth $750 toward travel when redeemed through Chase Ultimate Rewards®.
Chase Sapphire Reserve® Additional Features
Pay Yourself BackSM Redemption
With Pay Yourself BackSM, your points are worth 50% more when you use them as statement credits against existing purchases in select, rotating categories. Purchases made within 90 days before the redemption request date are eligible. Each point you redeem via Pay Yourself BackSM is worth 0.015 of a cent, which means that 100 points equal $1.50 in redemption value. This is valid only during the current offer and may change at any time.
Priority Pass™ Select Membership
The Chase Sapphire Reserve® credit card offers free Priority Pass™ Select membership, which provides access to airport lounges, restaurants, cafes, and markets participating in the Priority Pass™ Select network. Primary cardmembers and authorized users are granted complimentary access to the Priority Pass lounges and are allowed a maximum of two accompanying guests each. Your card will be charged $27 per additional guest, per visit.
Trip Cancellation & Interruption Insurance
Your trip is covered by cancellation and interruption insurance if it’s paid for by your Chase Sapphire Reserve® credit card. You can be reimbursed up to $10,000 per person and $20,000 per trip if your trip is canceled or cut short by sickness, severe weather conditions, and other covered situations. Only prepaid, nonrefundable travel expenses are eligible for reimbursement, including passenger fares, tours, and hotel stays.
Auto Rental Collision Damage Waiver
When you use your card to rent a car in the United States or abroad, you can decline the rental company’s collision insurance. Coverage is primary and provides reimbursement of up to $75,000 for theft and collision damage for rental cars.
Lost Luggage Reimbursement
You’re covered up to $3,000 per passenger for checked or carry-on luggage belonging to you or an immediate family member that’s damaged or lost by the carrier. To be eligible, your Chase credit card must be used to pay for the trip.
Trip Delay Reimbursement
If your common carrier travel is delayed more than six hours or requires an overnight stay, you and your family member on the same reservation are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket. To be eligible, your Chase credit card must be used to pay for the trip.
Emergency Evacuation & Transportation
If you or an immediate family member are injured or become sick during a trip and require an emergency evacuation, you can be covered for medical services and transportation up to $100,000. The trip must have been paid for using your Chase Sapphire Reserve® credit card to be eligible for this coverage.
Purchase Protection
Purchase protection covers purchases made using your Chase credit card against damage or theft within 120 days from the date of purchase. You are allowed a maximum of $10,000 coverage per claim and $50,000 per year.
Return Protection
Return protection offers coverage in case you need to return an item that you purchased using your Chase credit card, but the store won’t take it back. You can be reimbursed for eligible items within 90 days of purchase, up to $500 per item and $1,000 per year.
Pros & Cons of the Chase Sapphire Reserve®
| PROS | CONS |
|---|---|
| Annual travel credit: You will get an automatic statement credit up to $300 each account anniversary year for your travel expenses charged to your card. | High annual fee: The Chase Sapphire Reserve® credit card comes with a high annual fee of $550, and it’s not waived for the first year. |
| Rewards are worth 50% more: Your rewards are worth 50% more when redeemed for travel through the Chase Ultimate Rewards® and when used as a statement credit through Pay Yourself BackSM redemption. | No introductory APR: If you plan to use this card to make a large purchase, you’ll be charged an APR that ranges from 16.99% to 23.99% right away. |
| Complimentary airport lounge access: With free Priority Pass™ Select membership, you can get complimentary access to airport lounges, restaurants, cafes, and markets participating in the Priority Pass™ Select network. | Requires excellent personal credit: You need an excellent credit score to qualify for this travel rewards credit card. |
Chase Sapphire Reserve® Alternatives
American Express Business Platinum Card®
With the American Express Business Platinum Card®, you can visit 1,300 lounges in 140 countries. You’ll have access to the Centurion Network of Lounges and Studios, Priority PassTM Select, Airspace, Escape lounges, Plaza Premium, Delta Sky Club, and select Lufthansa lounges. This card charges an APR that ranges from 14.99% to 22.99%, making it an excellent option if you prefer a card with a lower APR.
The Business Platinum Card® from American Express
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Gaining access to unrivaled travel rewards and luxury travel perks like airport lounge access
Intro APR
See Pay Over Time APR
Regular APR
14.99% - 22.99% Variable
Annual Fee
$695
Credit Needed
Good, Excellent
- Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
- Plus, 0% Intro APR for 12 months from the date of the account opening on purchases eligible for Pay Over Time. After that, your APR will be 14.99% to 22.99% based on your credit worthiness and other factors as determined at the time of account opening.
- Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
- Unlock over $1,000 in value per year for statement credits on select purchases with your Card, including up to $400 with Dell Technologies, up to $360 with Indeed, up to $150 with Adobe and up to $120 on wireless telephone purchases. Enrollment required.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year toward baggage fees and more at one qualifying airline.
- $189 CLEAR® Credit: Use your Card and get up to $189 back per year on your CLEAR® membership.
- The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,300 airport lounges worldwide
- No foreign transaction fees
Cons
- Balance is due in full monthly
- High annual fee
- American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
- Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,300 lounges worldwide for you and two guests.
- Airport screening: Either a $100 statement credit for Global Entry every four years or $85 statement credit for TSA Pre✓® once every 4 1/2 years.
- Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
- Rental status: Elite status at a number of car rental agencies.
- Free Wi-Fi: 10 annual free Gogo inflight Wi-Fi passes.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 500,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
Intro APR
See Pay Over Time APR
Regular APR
14.99% - 22.99% Variable
Annual Fee
$695
Credit Needed
Good, Excellent
- Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
- Plus, 0% Intro APR for 12 months from the date of the account opening on purchases eligible for Pay Over Time. After that, your APR will be 14.99% to 22.99% based on your credit worthiness and other factors as determined at the time of account opening.
- Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
- Unlock over $1,000 in value per year for statement credits on select purchases with your Card, including up to $400 with Dell Technologies, up to $360 with Indeed, up to $150 with Adobe and up to $120 on wireless telephone purchases. Enrollment required.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year toward baggage fees and more at one qualifying airline.
- $189 CLEAR® Credit: Use your Card and get up to $189 back per year on your CLEAR® membership.
- The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,300 airport lounges worldwide
- No foreign transaction fees
Cons
- Balance is due in full monthly
- High annual fee
- American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
- Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,300 lounges worldwide for you and two guests.
- Airport screening: Either a $100 statement credit for Global Entry every four years or $85 statement credit for TSA Pre✓® once every 4 1/2 years.
- Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
- Rental status: Elite status at a number of car rental agencies.
- Free Wi-Fi: 10 annual free Gogo inflight Wi-Fi passes.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 500,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
United ClubSM Business Card
The United ClubSM Business MileagePlus Card is a great alternative if you fly frequently on United Airlines. This business credit card gives you access to more than 45 United Club locations and participating Star AllianceTM affiliated lounges worldwide. You’ll get to enjoy complimentary amenities like Wi-Fi, beverages and snacks, and personalized travel assistance.
United Club℠ Business Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
United Airlines enthusiasts who use airport lounge access regularly
Intro APR
N/A
Regular APR
16.49% - 23.49% Variable
Annual Fee
$450
Credit Needed
Good - Excellent
- Earn 100,000 bonus miles
- United ClubSM membership
- Two Premier Access® travel services
- First and second checked bag free
- Earn double miles on tickets purchased from United
- Earn 1.5 miles per $1 spent on all other purchases
- No foreign transaction fees
Pros
- Free United Club membership
- Free first and second checked bags
Cons
- High annual fee
- Low ongoing rewards
- United Club Passes: Get free access to United Club locations for you and your travel companions
- Free checked bags: Receive two free checked bags for you and companion on the same reservation
- Premier Access: You’ll get expedited airport security screening line, priority boarding, and priority baggage handling for you and your companions on the same reservation
- Hertz Gold Plus Rewards elite status: Get access to join Hertz Gold Plus Rewards President’s Circle for exclusive perks and discounts.
- Trip insurance: Get reimbursed when your trip is canceled, up to $10,000 per person and $20,000 per trip. You’ll also be covered if your trip is delayed up to 12 hours for an eligible reason.
- Baggage delay insurance: Your luggage is covered if it’s delayed or misdirected for more than six hours, up to $100 per day.
- Lost luggage reimbursement: You’re covered for any lost or damaged luggage during your travel with United Airlines and partner airlines, up to $3,000 per person.
- Auto rental collision damage waiver: You’re covered for a damaged or stolen rental vehicle, when you waive the car rental dealer’s insurance and the entire rental purchase is placed on the card
- Purchase protection: You’ll receive repair, a replacement, or reimbursement for items that were damaged or stolen with 120 of purchase, up to $10,000 per item and $50,000 per year
- Extended warranty protection: You’ll be covered for an additional one year of warranty protection with manufacturer’s warranties three years and under, limited to $10,000 per item and $50,000 per year.
Intro APR
N/A
Regular APR
16.49% - 23.49% Variable
Annual Fee
$450
Credit Needed
Good - Excellent
- Earn 100,000 bonus miles
- United ClubSM membership
- Two Premier Access® travel services
- First and second checked bag free
- Earn double miles on tickets purchased from United
- Earn 1.5 miles per $1 spent on all other purchases
- No foreign transaction fees
Pros
- Free United Club membership
- Free first and second checked bags
Cons
- High annual fee
- Low ongoing rewards
- United Club Passes: Get free access to United Club locations for you and your travel companions
- Free checked bags: Receive two free checked bags for you and companion on the same reservation
- Premier Access: You’ll get expedited airport security screening line, priority boarding, and priority baggage handling for you and your companions on the same reservation
- Hertz Gold Plus Rewards elite status: Get access to join Hertz Gold Plus Rewards President’s Circle for exclusive perks and discounts.
- Trip insurance: Get reimbursed when your trip is canceled, up to $10,000 per person and $20,000 per trip. You’ll also be covered if your trip is delayed up to 12 hours for an eligible reason.
- Baggage delay insurance: Your luggage is covered if it’s delayed or misdirected for more than six hours, up to $100 per day.
- Lost luggage reimbursement: You’re covered for any lost or damaged luggage during your travel with United Airlines and partner airlines, up to $3,000 per person.
- Auto rental collision damage waiver: You’re covered for a damaged or stolen rental vehicle, when you waive the car rental dealer’s insurance and the entire rental purchase is placed on the card
- Purchase protection: You’ll receive repair, a replacement, or reimbursement for items that were damaged or stolen with 120 of purchase, up to $10,000 per item and $50,000 per year
- Extended warranty protection: You’ll be covered for an additional one year of warranty protection with manufacturer’s warranties three years and under, limited to $10,000 per item and $50,000 per year.
Chase Ink Business Preferred®
The Chase Ink Business Preferred® is an excellent option if you are looking for a travel rewards credit card with a low annual fee. This is best for business owners who can spend up to $150,000 in combined purchases in four categories, including travel, shipping purchases, advertising on search engines and social media sites, and expenses on internet, cable, and phone services.
Ink Business Preferred® Credit Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Maximizing travel rewards at a lower annual fee
Intro APR
N/A
Regular APR
16.24% - 21.24% Variable
Annual Fee
$95
Credit Needed
- Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Pros
- Opportunity to boost the value of reward points
- Offers cellphone protection and trip cancellation insurance
Cons
- Doesn’t offer an interest-free financing period
- Charges an annual fee
- Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.
- Cellphone protection: You and the employees named on the phone bill you pay for with your card are covered for up to $600 in theft or damages per claim. You are limited to three claims per 12-month period, with a $100 deductible per claim.
- Trip cancellation and delay insurance: If your trip is canceled, you can be compensated up to $15,000 for prepaid expenses such as airfare or hotels. If your trip is delayed for 12 hours or more, you can be reimbursed up to $500 for your hotel room, meals, and transportation.
Intro APR
N/A
Regular APR
16.24% - 21.24% Variable
Annual Fee
$95
Credit Needed
Good, Excellent
- Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Pros
- Opportunity to boost the value of reward points
- Offers cellphone protection and trip cancellation insurance
Cons
- Doesn’t offer an interest-free financing period
- Charges an annual fee
- Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.
- Cellphone protection: You and the employees named on the phone bill you pay for with your card are covered for up to $600 in theft or damages per claim. You are limited to three claims per 12-month period, with a $100 deductible per claim.
- Trip cancellation and delay insurance: If your trip is canceled, you can be compensated up to $15,000 for prepaid expenses such as airfare or hotels. If your trip is delayed for 12 hours or more, you can be reimbursed up to $500 for your hotel room, meals, and transportation.
For other Chase credit card alternatives, check out our guide to the best Chase business credit cards.
Bottom Line
The Chase Sapphire Reserve® card is ideal for business owners who want to earn premium travel rewards and enjoy a variety of travel perks and benefits. While this card can be valuable for frequent travelers, it comes with a high annual fee that can add up to your overall credit cost. To find other credit card options, visit our Credit Card Marketplace or read our guide to the best small business credit cards.
