Best credit cards for a dental practice (September 2026)
Updated September 27, 2026 from verified card data.
This is what Perko's ranking produces for a dental practice with this spend - dining: 1500; travel: 2000; groceries: 1200; other: 4000 monthly (business: the practice: dental supplies $40,000/mo, advertising $6,000/mo, software $2,000/mo, utilities $1,500/mo, other $30,000/mo) - and these goals: business class to Europe once a year, Hyatt and Marriott. Every figure comes from verified card terms and the same engine that builds individual reports; the cards are ranked by what they add on this spend, the spend plan sequences them under the issuer rules we track, and a card that reaches a named program but loses on the numbers is listed, not recommended. Your own numbers will move every line.
- the practice: Capital One Spark Miles Select for Business adds about $53,042 a year on this spend
- personal: American Express Gold Card adds about $5,723 a year on this spend
Run it on your numbers - it takes a minute and your report is free.
the practice
Capital One Spark Miles Select for Business
Adds about $53,042 a year, with no annual fee.
With transfer bonuses timed: about $15,910 to $15,910 more a year, moving these points to Japan Airlines Mileage Bank during a bonus window (recorded 1 time in the last two years). Perko Pro tells you when one opens.
If your travel goals matter more: the Ink Business Preferred Credit Card adds about $32,845 a year and its points reach World of Hyatt, Marriott Bonvoy But Costs $20,197/Yr Against Capital One Spark Miles Select for Business, Beyond the $10,608 Threshold - the Numbers Card Stays Primary, about $20,197 a year less than the pick above.
Show the other cards we checked (4)
| Card | Adds / yr | Year one | Fee | |
|---|---|---|---|---|
| Capital One Spark Miles Select for Business bonus offer unconfirmed - excluded from year-one figure Apply / learn more | $53,042 | $53,042 | $0 | |
| Capital One Venture Business Credit Card current public offer observed Sep 21 Apply / learn more | $52,947 | $57,117 | $95 | |
| Capital One Spark Miles for Business Apply / learn more | $52,647 | $56,817 | $395 | |
| Capital One Venture X Business Card Apply / learn more | $52,647 | $56,817 | $395 | |
| Ink Business Preferred Credit Card current public offer observed Sep 21; listed for reach only: adds world of hyatt, marriott bonvoy but costs $20,197/yr against Capital One Spark Miles Select for Business, beyond the $10,608 threshold - the numbers card stays primary Apply / learn more | $32,845 | $35,845 | $95 | listed for reach |
Your personal spending
American Express Gold Card (medium confidence: confirm its terms on the issuer's page)
Adds about $5,723 a year after its $325 fee; $8,723 in the first year with the welcome bonus.
With transfer bonuses timed: about $1,810 to $1,810 more a year, moving these points to British Airways Club Avios during a bonus window (recorded 1 time in the last two years). Perko Pro tells you when one opens.
If your travel goals matter more: the Chase Sapphire Reserve Credit Card adds about $4,857 a year and its points reach World of Hyatt, about $866 a year less than the pick above.
Show the other cards we checked (4)
| Card | Adds / yr | Year one | Fee | |
|---|---|---|---|---|
| American Express Gold Card (medium confidence) current public offer observed Sep 14 Apply / learn more | $5,723 | $8,723 | $325 | |
| American Express Green Card current public offer observed Sep 14 Apply / learn more | $5,502 | $6,702 | $150 | |
| Capital One Venture Rewards Credit Card outside your ecosystem - listed for comparison Apply / learn more | $5,710 | $7,795 | $95 | |
| Capital One Venture X Rewards Credit Card current public offer observed Sep 21; outside your ecosystem - listed for comparison Apply / learn more | $5,410 | $7,495 | $395 | |
| Chase Sapphire Reserve Credit Card current public offer observed Sep 21; goals finalist (co-equal): adds world of hyatt; $866/yr less ongoing than American Express Gold Card, inside the $1,144 threshold; outside your ecosystem - listed for comparison Apply / learn more | $4,857 | $7,857 | $795 | goals finalist |
Your timeline
Open these in this order. Why more than one card: no single card earns its top rate on everything you spend, each new card brings its own welcome bonus, and every application lands on one credit file, so they are spaced out to keep approvals likely.
- Now: American Express Business Gold Card for the practice. earns 4x on advertising (about $6,000 a month) until its $150,000 cap binds, then Capital One Spark Miles Select for Business takes over.
- Month 4: Capital One Spark Miles Select for Business for the practice - welcome bonus after $3,000 of spending within 3 months. Apply
- Month 7: American Express Gold Card - welcome bonus after $6,000 of spending within 6 months. Apply
Perko emails you when each step comes due, after checking the card is still available, and Perko Pro adds transfer-bonus alerts on the points these cards earn. Pro is free during the preview.
Your spend plan
Computed from the same rates, caps and valuations as the ranking. Order and timing follow the issuer rules we track; confirm current terms when you apply.
Capital One Venture Business Credit Card left out of the plan: it earns Capital One Miles like Capital One Spark Miles Select for Business and beats it on no category you spend in
cap opener: American Express Business Gold Card goes first so advertising earns its top rate until the cap binds
Routing - the practice
| Spend | Card | When |
|---|---|---|
| other ($71,500/mo) | American Express Business Gold Card at 1x | Now - month 3 |
| other ($71,500/mo) | Capital One Spark Miles Select for Business at 2x | Month 4 - month 12 (new card) |
| advertising ($6,000/mo) | American Express Business Gold Card at 4x | Now - month 12 |
| software ($2,000/mo) | American Express Business Gold Card at 4x | Now - month 12 |
Bonus - Capital One Spark Miles Select for Business: $3,000 in 3 months; your routed spend (about $71,500/mo) gets there in month 1
Routing - personal
| Spend | Card | When |
|---|---|---|
| other ($4,000/mo) | American Express Gold Card at 1x | Month 7 - month 12 |
| travel ($2,000/mo) | American Express Gold Card at 1x | Month 7 - month 12 |
| dining ($1,500/mo) | American Express Gold Card at 4x | Month 7 - month 12 |
| groceries ($1,200/mo) | American Express Gold Card at 4x | Month 7 - month 12 |
Bonus - American Express Gold Card: $6,000 in 6 months; your routed spend (about $8,700/mo) gets there in month 1
Your points should live in Amex Membership Rewards
It is the most effective currency for what you want to do: it books Marriott Bonvoy directly, and it earns well on your spend. Native means a currency books any seat that airline sells; partner-only means just the award seats an airline releases to its partners, which are scarce in business class.
| Ecosystem | Reaches | Best cards earn / yr |
|---|---|---|
| Chase Ultimate Rewards | United Airlines: native Southwest Airlines: native World of Hyatt: 1:1 Marriott Bonvoy: 1:1 - bonuses 8 time(s) in 24 months, up to 70% | $37,702 |
| Amex Membership Rewards your ecosystem | United Airlines: partner Southwest Airlines: no route World of Hyatt: no route Marriott Bonvoy: 1:1 | $62,963 |
| Capital One miles | United Airlines: partner Southwest Airlines: no route World of Hyatt: no route Marriott Bonvoy: no route | $58,752 |
| Cash back | no transfers, no windows to watch; every dollar is a dollar | $21,168 |
Amex Membership Rewards reaches your goals as well as anything and earns $4,211 a year more on your spend than Capital One miles.
Every route we checked
- Capital One Miles → Air Canada Aeroplan, then United Airlines flights through the Star Alliance
- Capital One Miles → World of Hyatt: not reachable
- Capital One Miles → Marriott Bonvoy: not reachable
- Chase Ultimate Rewards → United MileagePlus, 1:1
- Chase Ultimate Rewards → World of Hyatt, 1:1
- Chase Ultimate Rewards → Marriott Bonvoy, 1:1
- Amex Membership Rewards → Air Canada Aeroplan, then United Airlines flights through the Star Alliance
- Amex Membership Rewards → World of Hyatt: not reachable
- Amex Membership Rewards → Marriott Bonvoy, 1:1
- United Airlines: transfer Capital One Miles (usually instant, occasionally a day), book on the program's own site; a business round trip is roughly 150,000 points per traveler in most programs; price the exact award before you transfer. Transfer only once the award is confirmed bookable - points do not come back.
- Hyatt from Chase - the ratio depends on the card you transfer from: 1:1 from a Sapphire Reserve or Sapphire Reserve for Business; 4:3 from a Sapphire Preferred or Ink Preferred (from October 1, 2026). Combine points into the Reserve first, then transfer.
- World of Hyatt: transfer Chase Ultimate Rewards (usually 1-3 days), book on the program's own site; a hotel night runs anywhere from a few thousand to 100,000+ points - price the exact stay before you transfer. Transfer only once the award is confirmed bookable - points do not come back.
- Marriott Bonvoy: transfer Chase Ultimate Rewards (usually 1-3 days), book on the program's own site; a hotel night runs anywhere from a few thousand to 100,000+ points - price the exact stay before you transfer. Transfer only once the award is confirmed bookable - points do not come back.
Run it on your numbers - it takes a minute and your report is free.