3 verified picks · Editorial ranking
Best Starter Credit Cards for Points and Miles
$0-$95 annual fee, simple earning, and a path to upgrade later.
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3 cards ranked by sign-up bonus value
Each card is verified against the issuer's own page monthly. Ratings are editorial, not affiliate-driven.
1
Capital One Venture Business
Capital One
Up to 150,000 miles · $95 annual fee
$2,775
bonus value
2
Chase Ink Business Preferred
Chase
100,000 points · $95 annual fee
$2,000
bonus value
3
Chase Sapphire Preferred
Chase
75,000 points · $95 annual fee
$1,500
bonus value
Editorial standards: we rank cards by realized travel value (not chart-floor pricing). Sign-up bonus dollar value uses our conservative cents-per-point methodology, read the full CPP framework for why our numbers run lower than competitor rankings.