Best credit cards for a medical clinic (September 2026)
Updated September 27, 2026 from verified card data.
This is what Perko's ranking produces for a medical clinic with this spend - dining: 1500; travel: 2500; groceries: 1200; other: 5000 monthly (business: the clinic: medical supplies $25,000/mo, software $3,000/mo, utilities $2,000/mo, other $15,000/mo) - and these goals: Maldives in business class, Park Hyatt. 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 clinic: Capital One Spark Miles Select for Business adds about $30,024 a year on this spend
- personal: American Express Green Card adds about $6,402 a year on this spend
Run it on your numbers - it takes a minute and your report is free.
the clinic
Capital One Spark Miles Select for Business
Adds about $30,024 a year, with no annual fee.
With transfer bonuses timed: about $9,010 to $9,010 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 Sapphire Preferred for Business adds about $16,105 a year and its points reach World of Hyatt But Costs $13,919/Yr Against Capital One Spark Miles Select for Business, Beyond the $6,004 Threshold - the Numbers Card Stays Primary, about $13,919 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 | $30,024 | $30,024 | $0 | |
| Capital One Venture Business Credit Card current public offer observed Sep 21 Apply / learn more | $29,929 | $34,099 | $95 | |
| Capital One Spark Miles for Business Apply / learn more | $29,629 | $33,799 | $395 | |
| Capital One Venture X Business Card Apply / learn more | $29,629 | $33,799 | $395 | |
| Sapphire Preferred for Business bonus offer unconfirmed - excluded from year-one figure; current public offer observed Sep 14; listed for reach only: adds world of hyatt but costs $13,919/yr against Capital One Spark Miles Select for Business, beyond the $6,004 threshold - the numbers card stays primary Apply / learn more | $16,105 | $16,105 | $95 | listed for reach |
Your personal spending
American Express Green Card
Adds about $6,402 a year after its $150 fee; $7,602 in the first year with the welcome bonus.
With transfer bonuses timed: about $1,970 to $1,970 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 $5,757 a year and its points reach World of Hyatt, about $645 a year less than the pick above.
Show the other cards we checked (4)
| Card | Adds / yr | Year one | Fee | |
|---|---|---|---|---|
| American Express Green Card current public offer observed Sep 14 Apply / learn more | $6,402 | $7,602 | $150 | |
| American Express Gold Card (medium confidence) current public offer observed Sep 14 Apply / learn more | $6,263 | $9,263 | $325 | |
| Capital One Venture Rewards Credit Card outside your ecosystem - listed for comparison Apply / learn more | $6,710 | $8,795 | $95 | |
| Capital One Venture X Rewards Credit Card current public offer observed Sep 21; outside your ecosystem - listed for comparison Apply / learn more | $6,410 | $8,495 | $395 | |
| Chase Sapphire Reserve Credit Card current public offer observed Sep 21; goals finalist (co-equal): adds world of hyatt; $953/yr less ongoing than Capital One Venture Rewards Credit Card, inside the $1,342 threshold; outside your ecosystem - listed for comparison Apply / learn more | $5,757 | $8,757 | $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: Capital One Spark Miles Select for Business for the clinic - welcome bonus after $3,000 of spending within 3 months. Apply
- Month 4: American Express Green Card - welcome bonus after $3,000 of spending within 6 months. Apply
- Month 10: 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
Routing - the clinic
| Spend | Card | When |
|---|---|---|
| other ($42,000/mo) | Capital One Spark Miles Select for Business at 2x | Now - month 12 |
| software ($3,000/mo) | Capital One Spark Miles Select for Business at 2x | Now - month 12 |
Bonus - Capital One Spark Miles Select for Business: $3,000 in 3 months; your routed spend (about $45,000/mo) gets there in month 1
Routing - personal
| Spend | Card | When |
|---|---|---|
| other ($5,000/mo) | American Express Green Card at 1x | Month 4 - month 12 |
| travel ($2,500/mo) | American Express Green Card at 3x | Month 4 - month 12 |
| dining ($1,500/mo) | American Express Green Card at 3x | Month 4 - month 9 |
| dining ($1,500/mo) | American Express Gold Card at 4x | Month 10 - month 12 (new card) |
| groceries ($1,200/mo) | American Express Green Card at 1x | Month 4 - month 9 |
| groceries ($1,200/mo) | American Express Gold Card at 4x | Month 10 - month 12 (new card) |
Bonus - American Express Green Card: $3,000 in 6 months; your routed spend (about $10,200/mo) gets there in month 1
Bonus - American Express Gold Card: $6,000 in 6 months; your routed spend (about $2,700/mo) gets there in month 3
Your points should live in Amex Membership Rewards
It is the most effective currency for what you want to do: it books your programs 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 | $21,862 |
| Amex Membership Rewards your ecosystem | United Airlines: partner Southwest Airlines: no route World of Hyatt: no route | $38,802 |
| Capital One miles | United Airlines: partner Southwest Airlines: no route World of Hyatt: no route | $36,734 |
| Cash back | no transfers, no windows to watch; every dollar is a dollar | $13,248 |
Amex Membership Rewards reaches your goals as well as anything and earns $16,940 a year more on your spend than Chase Ultimate Rewards.
Every route we checked
- Capital One Miles → Qatar Airways Privilege Club, 1:1
- Capital One Miles → Emirates Skywards, 2:1.5
- Capital One Miles → World of Hyatt: not reachable
- Chase Ultimate Rewards → British Airways Club, then Qatar Airways flights through the oneworld alliance
- Chase Ultimate Rewards → Emirates: not reachable
- Chase Ultimate Rewards → World of Hyatt, 1:1
- Amex Membership Rewards → Qatar Airways Privilege Club, 1:1
- Amex Membership Rewards → Emirates Skywards, 5:4
- Amex Membership Rewards → World of Hyatt: not reachable
- Qatar Airways: 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.
- Emirates: 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.
Run it on your numbers - it takes a minute and your report is free.