The card rules catalog
25 business cards, modeled down to the caps.
Earn rates by category, annual caps, fees, and conservative point valuations: verified monthly, versioned when issuers change terms. This is the data your Leakage Report is computed from, published because auditable beats trust-me.
American Express
Amazon Business Prime
5% 5% at Amazon, AWS and Whole Foods with Prime, first $120k/yr
2% on dining, gas, telecom
1% on everything else
No annual feeverified 2026-06
American Express
Blue Business Cash
2% 2% on everything, first $50k/yr
1% on everything else
No annual feeverified 2026-06
American Express
Blue Business Plus
2× 2x on everything, first $50k/yr
1× on everything else
No annual feeverified 2026-06
American Express
Business Gold
4× 4x on your top 2 categories each month, first $150k/yr
1× on everything else
$375/yr feeverified 2026-06
American Express
Business Platinum
5× 5x on flights booked through Amex Travel
1.5× 1.5x on eligible large & category purchases up to $2M/yr
1× on everything else
$695/yr feeverified 2026-06
American Express
Delta SkyMiles Gold Business
2× 2x on Delta purchases
2× 2x restaurants and U.S. shipping
1× on everything else
$150/yr feeverified 2026-06
American Express
Marriott Bonvoy Business
6× 6x at Marriott properties
4× on dining, gas, shipping, telecom
2× on everything else
$125/yr feeverified 2026-06
American Express
Plum Card
1.5% on everything
$250/yr feeverified 2026-06
Bank of America
Business Advantage Customized Cash
3% 3% in your chosen category (modeled: gas), first $50k/yr combined
2% 2% dining, shares the $50k/yr cap
1% on everything else
No annual feeverified 2026-06
Brex
Brex Card
7× 7x rideshare with daily payments
4× 4x on Brex Travel
3× on dining
2× 2x recurring software
1× on everything else
No annual feeverified 2026-06
Capital One
Spark Cash Plus
2% on everything
$150/yr feeverified 2026-06
Capital One
Spark Miles
2× on everything
$95/yr feeverified 2026-06
Capital One
Venture X Business
10× 10x on hotels via Capital One Travel
5× 5x on flights via Capital One Travel
2× on everything else
$395/yr feeverified 2026-06
Chase
Ink Business Cash
5× 5x on the first $25k/yr combined
2× 2x on the first $25k/yr combined
1× on everything else
No annual feeverified 2026-06
Chase
Ink Business Preferred
3× 3x on the first $150k/yr combined
1× on everything else
$95/yr feeverified 2026-06
Chase
Ink Business Premier
2.5% 2.5% on purchases of $5k+ (modeled on large-ticket categories)
2% on everything else
$195/yr feeverified 2026-06
Chase
Ink Business Unlimited
1.5× on everything
No annual feeverified 2026-06
Chase
Southwest Performance Business
4× 4x on Southwest purchases
2× 2x on social/search ads and internet, cable, phone
2× 2x on rideshare
1× on everything else
$199/yr feeverified 2026-06
Chase
United Business
2× 2x on United purchases
2× on dining, gas, office, ground
1× on everything else
$150/yr feeverified 2026-06
Citi
Costco Anywhere Business
4% 4% on gas/EV, first $7k/yr
3% on dining, air, hotels, ground
2% 2% at Costco
1% on everything else
No annual feeverified 2026-06
PayPal (WebBank)
PayPal Business Cashback
2% on everything
No annual feeverified 2026-06
Ramp
Ramp Business Card
1.5% on everything
No annual feeverified 2026-06
U.S. Bank
Business Altitude Connect
4% 4x travel and gas/EV, first $150k/yr combined
2% on dining, office, telecom
1% on everything else
No annual feeverified 2026-06
U.S. Bank
Business Triple Cash
3% 3% on gas, EV charging, office supply stores, cell providers and restaurants
1% on everything else
No annual feeverified 2026-06
Wells Fargo
Signify Business Cash
2% on everything
No annual feeverified 2026-06
Effective rates value points at Basel's conservative defaults (see methodology). Terms belong to their issuers and change without notice; the catalog carries last-verified dates for exactly that reason.