Coming to CARDIER · Get notified

Best business
credit cards 2026.

CARDIER currently tracks 31 premium consumer cards. Business card support — Amex Business Platinum, Chase Ink Business Preferred, Capital One Spark and more — is on the v1.1 roadmap. Tell us which business cards you want tracked first, and we'll notify you at launch.

v1.1 roadmapTell us your stackNotified at launch
The landscape

Five business cards that actually matter.

The premium business card market is dominated by a handful of cards, each built for a different kind of business spend. Here's the honest overview while we build the tracking.

For travel-heavy businesses

Amex Business Platinum.

$695 annual fee. Centurion Lounge access for the cardholder, 5× points on flights via Amex Travel, $400+ in fragmented business credits (Adobe, Indeed, Dell, Hilton Honors).

Best fit when you bill flights and stays through one entity and want the deepest lounge network.

For points flexibility

Chase Ink Business Preferred.

$95 annual fee. 3× points on travel, shipping, internet/cable/phone, and online advertising — capped at $150K annual combined spend. Ultimate Rewards transfer to 11 partners.

Best fit for SMBs with mixed travel + operational spend who want flexible point redemption.

For pure cash back

Capital One Spark Cash Plus.

$150 annual fee (refundable if you spend $150K/yr). 2% cash back on all purchases — no categories, no caps, no expiration. Plus a $200 annual fee credit when you spend $200K.

Best fit for high-volume businesses that want cash, not points, with zero category friction.

What's coming

CARDIER for business — v1.1 roadmap.

The consumer version of CARDIER ships first — 31 premium personal cards tracked across the full benefit lifecycle. Business cards are next, with a focused rollout informed by what early waitlist members tell us they actually carry.

Phase one · The five
Target · Q4 2026

The first five business cards we plan to track:

  • Amex Business Platinum — fragmented credit catalog (Adobe, Indeed, Dell, Hilton, Hertz, Wireless) needs CARDIER's tracking discipline most.
  • Amex Business Gold — adaptive 4× on top two spending categories monthly. Picking which two requires real intelligence.
  • Chase Ink Business Preferred — the workhorse $95 SMB card. Tracking the $150K combined cap is the value-add.
  • Chase Ink Business Unlimited — flat 1.5% cash back, common second card for SMBs running Ink Preferred.
  • Capital One Spark Cash Plus — for high-volume cash-back businesses.
Phase two · The challengers
Target · 2027

Modern business-first cards with their own tracking models:

  • Brex — startup-favorite with category multipliers and rewards portal.
  • Ramp — cash back + spend controls, popular with finance teams.
  • Mercury IO — banking-attached card with operational integrations.

These cards have different benefit structures than legacy issuer cards — their value isn't in credits and lounges, it's in spend controls and integrations. CARDIER's business v1.1 will treat them as a distinct category.

Why CARDIER for business

The same math, on bigger wallets.

Business cardholders typically carry more cards, spend more, and lose more in unclaimed credits than consumer cardholders. The Amex Business Platinum alone has 11 separate credits across 7 services — each with its own enrollment, reset cycle, and merchant restriction. Tracking it manually is a part-time job.

11 credits, 1 calendar

The Business Platinum's Adobe, Indeed, Dell, Hilton, Hertz, Wireless and Lounge credits don't reset together. CARDIER maps them all to one timeline.

Adaptive category tracking

The Business Gold's 4× "top two categories" resets monthly. CARDIER calculates the optimal pick from your actual transaction pattern.

Cap and threshold alerts

Ink Preferred caps 3× at $150K combined spend. Spark Cash Plus rebates the fee at $150K. CARDIER tracks the line and alerts before you cross it.

Your move

Get notified when business ships.

Join the consumer waitlist now (free) and tell us which business cards you carry. We'll prioritize the rollout based on what early members actually use — and email you the moment business tracking goes live.

Join the waitlistTour the consumer demo
Questions

Business cards on CARDIER.

When will business cards be supported?
Phase one (Amex Business Platinum / Gold, Chase Ink Preferred / Unlimited, Capital One Spark Cash Plus) is on the Q4 2026 roadmap. Phase two (Brex, Ramp, Mercury) follows in 2027. Both phases depend on consumer v1 stability and waitlist signal.
Will business cards be on the Free tier or Pro only?
Not yet decided — but the working plan is that business card support unlocks at Pro, given that business cardholders typically carry 3+ cards (above the Free tier's 3-card limit) and have more complex tracking needs.
What about Brex, Ramp, and other startup-favorite cards?
Phase two. These cards have fundamentally different benefit structures than legacy issuer cards — less about credits and lounges, more about spend controls, vendor integrations, and rewards portals. CARDIER's phase two will treat them as a distinct category with its own tracking model.
Can I use CARDIER for my consumer cards while I wait?
Yes. The consumer version of CARDIER tracks 31 premium personal cards (Amex Platinum, Chase Sapphire Reserve, etc.) and works regardless of whether you also hold business cards. Join the waitlist and you're first in line for both.

* This page is informational and forward-looking. CARDIER currently tracks consumer premium cards only; business card support is on the v1.1 roadmap with the target dates shown. Card terms reflect publicly available information as of June 2026 and are subject to change at the issuer's discretion. CARDIER is an independent tool — not affiliated with, endorsed by or sponsored by American Express, Chase, Capital One, Brex, Ramp, Mercury or any other issuer. All card names and trademarks are the property of their respective owners and are used here for identification only.