Recommended Credit Card Offers

I receive compensation for many links on this blog. You don’t have to use these links, but I am grateful to you if you do. I do not write about all credit cards that are available — instead focusing on miles, points, and cash back (and currencies that can be converted into the same).

There are a few places online that compile the best credit card deals. But as you get from reading this blog, I have my own take on what actually is best. So I’ve compiled these offers in many ways as a repository fobur myself — these are the links I go back to when it’s time to sign up for a card myself or recommend a link to friends and family.

If you find something I’ve missed, I’d greatly appreciate it if you would e-mail me.

American Express, Chase, Citibank, and Barclays are advertising partners of this blog.

This does not endeavor to be a complete and 100% exhaustive list of all of the credit cards that exist. Rather, these are the cards that I believe are actually worthwhile.

AIRLINE CREDIT CARDS

Aer Lingus AerClub

Aer Lingus Visa Signature® Card

Irish airline and British Airways partner Aer Lingus has a credit card in the U.S. issued by Chase and you can earn up to 100,000 Avios. Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening and earn an additional 25,000 Avios after you spend $20,000 in the first 12 months of account opening.

Spending on the card will earn 3 Avios per $1 spent on purchases with Aer Lingus, British Airways, Iberia, and LEVEL Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel. Plus earn 1 Avios per $1 spent on all other purchases.

You and any authorized users on your account are eligible for Priority Boarding on Aer Lingus flights departing from and returning to the US from Ireland, subject to availability. Every calendar year you make purchases of $30,000 on your Aer Lingus Visa Signature Card, you’ll receive a Commercial Companion Ticket good for 12 months.

Air Canada Aeroplan

Aeroplan® Credit Card from Chase lets you earn 70,000 points after you spend $3,000 on purchases in the first 3 months.

This $95 Annual Fee card earns 3x points for each dollar spent on grocery stores, dining at restaurants, and Air Canada directly; 1x points for each dollar spent on all other purchases; plus 500 bonus points for every $2,000 you spend in a calendar month.

Naturally cardmembers get free first checked bag (for the cardmember and up to 8 others people on same reservation). But the card also comes with the first tier of elite status (25K level) through December 2023. You can keep that status with $15,000 in annual spend. In the future status that comes with the card will be for the remainder of the year in which you’re approved plus the following year.

Spending $50,000 on the card bumps you up an elite level – to 35,000 mile status based on spend alone if you aren’t already at that level or higher. However a member earning that level of elite status or higher with Air Canada outside of the card who spends $50,000 on the card in a calendar year gets a one-level bump up starting at the beginning of the next calendar year. An Aeroplan 75K member who spends $50,000 on the card becomes Super Elite in the next calendar year.

Alaska Airlines Mileage Plan

30,000 mile signup bonus: $75 annual fee not waived the first year.

This card also comes with a $99+tax companion ticket which is valid for use on any paid coach fare. Sadly the companion tickets are no longer useful on paid first class fares.

Alaska Airlines Business Card also offers an annual companion ticket and has an initial bonus of 30,000 bonus miles after you make $1,000 or more in purchases within the first 90 days of account opening.

The Alaska Airlines World Elite Mastercard from mbna is the Canadian version of the card and similar.

American AAdvantage

CitiBusiness® / AAdvantage® Platinum Select® Mastercard® is offering 65,000 American Airlines AAdvantage® miles after spending $4,000 in purchases within the first 4 months of account opening. This card has a $0 annual fee the first year (then $99).

The card offers first checked bag on domestic American Airlines itineraries. There’s preferred boarding on American Airlines flights as well.

Earning is 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases, and on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations; 1 AAdvantage® mile per $1 spent on other purchases; 1 Loyalty Point for every 1 eligible mile earned from purchases. You’ll also earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases

Barclays AAdvantage® AviatorTM Red World Elite Mastercard® has an offer to earn 60,000 American Airlines AAdvantage bonus miles after first purchase within 90 days of account opening and paying the card’s $99 annual fee.

Cardmembers receive one free checked bag (on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation) and preferred boarding on American Airlines domestic itineraries.

AAdvantage® Aviator® Silver World Elite Mastercard®

You can’t apply for this card directly, you can only product change an Aviator Red card to it. This card comes with a $100 Global Entry credit. You get priority boarding and free checked bag for up to 8 passengers on the same itinerary.

AAdvantage® Aviator® Business Mastercard®

Signup bonus is up to 75,000 AAdvantage® bonus miles: Earn 65,000 miles after spending $1,000 in the first 90 days. Earn 10,000 miles when a purchase is made on an employee card.* It has a $95 annual fee.

Benefits include first checked bag free and preferred boarding for the cardmember and up to 4 companions on the same itinerary.

American Airlines AAdvantage MileUp Card offers 10,000 AAdvantage bonus miles and a $50 statement credit after spending $500 in purchases within the first three months after account opening.

Earning is 2 miles per dollar on eligible American Airlines purchases and at grocery stores and 1 full mile per dollar everywhere else. You’ll also earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases

This no annual fee card is one of the best cards for grocery store spend earning a full two miles and not capping bonus earning in the category.

Asiana

Asiana Visa Signature® Credit Card

Signup bonus is 30,000 miles after $3000 spend within 90 days. Card earns triple points on Asiana, double points on gas and groceries, and one mile per dollar on everything else.

Every year you get 2 Asiana lounge invitations, 10,000 bonus miles, and a $100 rebate on Asiana Airlines ticket purchases (great for taxes and fuel surcharges on an award ticket).

Asiana miles are tough to get but they have one of the best Star Alliance award charts.

British Airways

British Airways Visa Signature® Card

Chase has an initial bonus offer to earn up to 100,000 Avios. Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening and earn an additional 25,000 Avios after you spend $20,000 in the first 12 months of account opening.

On an ongoing basis spend will: Earn 3 Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and LEVEL. Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel. Plus earn 1 Avios per $1 spent on all other purchases.

Every calendar year you make $30,000 in purchases on your British Airways Visa card, you’ll earn a Travel Together Ticket good for two years.

Cardholders receive a 10% off British Airways flights starting in the US when you book through the website provided in your welcome materials.

Delta

Delta SkyMiles® Gold American Express Card

Earn 40,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 6 months.

On an ongoing basis you’ll earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S.. You can also earn a $100 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, receive a Credit to use toward future travel.

This is a $0 introductory annual fee for the first year, then $99 annual fee card. Terms Apply. See Rates & Fees.

Delta SkyMiles® Gold Business American Express Card

Welcome Offer: Earn 50,000 Bonus Miles after spending $2,000 in purchases on your new Card in your first 3 months of Card Membership.

Ongoing spending will earn 2 Miles on every dollar spent on eligible purchases made directly with Delta, on every dollar spent on eligible U.S. purchases for advertising in select media, on every dollar spent on eligible U.S. shipping purchases, on every eligible dollar spent at restaurants. Earn 1 Mile on every eligible dollar spent on other purchases. Additionally, receive a $100 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases on your Card in a calendar year.

This card has a $0 introductory annual fee for the first year, then $99 annual fee. Terms and limitations apply. See Rates & Fees.

Delta SkyMiles® Platinum American Express Card

Earn 50,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 6 months.

Also earn up to 20,000 Medallion® Qualification Miles (MQMs) with Status Boost® per year. After you spend $25,000 in purchases on your Card in a calendar year, you can earn 10,000 MQMs up to two times per year, getting you closer to Medallion® Status. MQMs are used to determine Medallion® Status and are different than miles you earn toward flights.

Ongoing earn is 3X Miles on Delta purchases and purchases made directly with hotels; earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets; and earn 1X Miles on all other eligible purchases.

You’ll receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.

Benefits include your first checked bag free on Delta flights plus Main Cabin 1 Priority Boarding and a fee Credit for Global Entry or TSA PreCheck®. Cardmembers can pay an exclusive rate of $39 per person per visit to enter the Delta Sky Club® for you and up to two guests when traveling on a Delta flight.

This is a $250 annual fee card. Terms Apply. See Rates & Fees.

Delta SkyMiles® Platinum Business American Express Card

Welcome Offer: Earn 60,000 Bonus Miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months.

Spending on this card can help earn Delta elite status. With Status Boost®, earn 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your card in a calendar year, up to 2x per year getting you closer to Medallion Status.

Ongoing spend will earn 3 Miles on every dollar spend on eligible purchases made directly with Delta and on every eligible dollar spent on purchases made directly with hotels; earn more miles on big purchases with 1.5 miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half mile per dollar), up to 50,000 additional miles per year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta and Hotel Stays instead of 1.5X); 1 Mile on every eligible dollar spent on other purchases.

You can receive a domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Take a friend or family member when you fly Delta. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.

This is a $250 annual fee card. Terms and limitations apply. See Rates & Fees

Delta SkyMiles® Reserve American Express Card

You can earn 50,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $5,000 in purchases on your new Card in your first 6 months.

Earn up to 60,000 Medallion® Qualification Miles (MQMs) With Status Boost® per year. You can earn 15,000 MQMs after you spend $30,000 in purchases on your Card in a calendar year, up to four times per year getting you closer to Medallion® Status.

This is the card provides complimentary access into the Delta Sky Club® for you when travelling on a Delta flight. Enjoy complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card.

Ongoing earn is 3X Miles on Delta purchases and 1X Mile on all other eligible purchases.

Benefits include your first checked bag free on Delta flights and Main Cabin 1 Priority Boarding on Delta flights; fee Credit for Global Entry or TSA PreCheck® after you apply through any Authorized Enrollment Provider. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck; receive a domestic First Class, Delta Comfort+® or domestic Main Cabin round trip companion certificate each year upon renewal of your Card. *Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.

This is a $550 annual fee card. Terms Apply. See Rates & Fees

Delta SkyMiles® Reserve Business American Express Card

Welcome Offer: Earn 60,000 Bonus Miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $4,000 in purchases on your new Card in your first 3 months.

With complimentary access into Delta Sky Club®, you can relax before your Delta flight, or find downtime between connections. You’ll also receive two Delta Sky Club One-Time Guest Passes each year so you can share the experience with others when you’re traveling together.

When you purchase a Delta flight with your Delta SkyMiles Reserve Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.

Spending on this card can help earn Delta elite status. With Status Boost®, earn 15,000 Medallion® Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card in a calendar year, up to 4x per year getting you closer to Medallion Status.

Ongoing earn includes 3X miles per dollar on all eligible Delta purchases. After you spend $150,000 on your Card in a calendar year, you earn 1.5 miles per dollar (that’s an extra half mile per dollar) on eligible purchases the rest of the year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta instead of 1.5X).

This is a $550 annual fee card. Terms and limitations apply. See Rates & Fees.

Delta SkyMiles® Blue American Express Card

Earn 10,000 bonus miles after you spend $1,000 in purchases on your new card in your first 6 months.

Ongoing earn is 2X Miles per dollar at restaurants worldwide, plus takeout and delivery in the U.S.; 2X Miles per dollar spent on Delta purchases, and 1X Mile on all other eligible purchases. There are no Foreign Transaction Fees.

This card gives you the option to Pay with Miles: take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.

Benefits include a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.

This is a no annual fee card. Terms Apply. See Rates & Fees.

Iberia Plus

Iberia Visa Signature® Card

British Airways partner and oneworld member airline Iberia has a credit card in the U.S. issued by Chase and you can earn up to 100,000 Avios. Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening and earn an additional 25,000 Avios after you spend $20,000 in the first 12 months of account opening.

Spending on the card will earn 3 Avios per $1 spent on purchases with Iberia, British Airways, Aer Lingus, and LEVEL. Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel. Plus earn 1 Avios per $1 spent on all other purchases.

A unique benefit you can save 10% on Iberia flights purchased on iberia.com/Chase10. You can also earn a discount voucher of $1,000 to use toward two tickets on the same flight for each year you make purchases of $30,000 on your card

Southwest

Southwest Rapid Rewards® Priority Credit Card

This is the premium Southwest Airlines co-brand card really designed for folks who fly Southwest — it makes Southwest travel better, and spending helps earn both A-List status and a Companion Pass®.

The card has a Limited Time Offer: Earn 75,000 bonus points after spending $3,000 on purchases in the first 3 months.

Ongoing category bonus spend: Earn 3X points on Southwestbl purchases; Earn 2X points on local transit and commuting, including rideshare; Earn 2X points on internet, cable, and phone services, and select streaming.

This $149 annual fee card provides a $75 Southwest® travel credit each year; 25% back on in-flight drinks, WiFi, messaging, and movies; and 4 upgraded boardings per year when available (when A1-15 boarding positions are offered at the gate, buy it and you’ll receive a statement credit for the charge); and 7,500 anniversary points each year.

Southwest Rapid Rewards® Plus Credit Card

The card has a Limited Time Offer: Earn 75,000 bonus points after spending $3,000 on purchases in the first 3 months.

Ongoing category bonus spend: Earn 2X points on Southwest® purchases; Earn 2X points on local transit and commuting, including rideshare; Earn 2X points on internet, cable, and phone services, and select streaming; Earn 1 point for every $1 spent on all other purchases.

You earn 3,000 anniversary points each year, a nice incentive to keep the card. And all points earned count towards Companion Pass®.

What I like about Southwest is that they have no change fees, you can use your points even to make a speculative booking. It’s always great to have Southwest points around, even if you book mostly international award tickets. You might need a domestic flight to get to the city your international award ticket leaves from. Or book the Southwest flight, and if award availability opens up to include a domestic flight on your other ticket, great, there’s no change fees. Southwest points are great insurance. They don’t have other fees either like checked bag fees or change fees.

Southwest Rapid Rewards® Premier Credit Card

The card has a Limited Time Offer: Earn 75,000 bonus points after spending $3,000 on purchases in the first 3 months.

Ongoing bonus category spend: Earn 3X points on Southwest® purchases; Earn 2X points on local transit and commuting, including rideshare; Earn 2X points on internet, cable, and phone services, and select streaming.

You earn 6,000 anniversary points each year (after your cardmember anniversary), a nice incentive to keep the card. I love that Southwest doesn’t charge change fees and doesn’t charge for checked bags. I’ve been flying them a lot more this year, and having a stash of Southwest points on hand is great for domestic positioning flights for awards when other airlines don’t have connecting availability especially since Rapid Rewards tickets are cancellable without a fee. Plus, 2 EarlyBird Check-In ® each year.

Southwest® Rapid Rewards® Performance Business Credit Card

Chase’s premium Southwest Airlines business card has an offer to earn 80,000 points after you spend $5,000 on purchases in the first 3 months.

Ongoing earn is 4X points on Southwest® purchases; 3X points on Rapid Rewards® hotel and car partners; 2X points on rideshare; 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases. These points count towards earning a companion pass.

Cardmembers receive 9000 bonus points each year after cardmember anniversary; a statement credit for Global Entry or TSA PreCheck fees every four years; reimbursement for four upgraded boardings per year (A1 – A15 boarding purchased at the airport) when available; plus inflight wifi credits. That’s a package that makes the card’s $199 annual fee well worth it.

Southwest Rapid Rewards® Premier Business Credit Card

You can earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open. Ongoing spend will earn 3X points on Southwest Airlines® purchases; 2X points on Rapid Rewards® hotel and car partners; 2X points on rideshare; 1 point per $1 spent on all other purchases.

The card comes with 6,000 bonus points after your cardmember anniversary and 2 EarlyBird Check-In® each year. And the card lets you earn unlimited tier qualifying points towards A-List status.

United Airlines

United ClubSM Infinite Card

The United Airlines MileagePlus premium credit card has a $525 annual fee and currently has an offer to earn 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.

Ongoing the card will earn 4 miles per $1 spent on United® purchases including tickets, Economy Plus®, inflight food, beverages and Wi-Fi, and other United charges. Earn 2 miles per $1 spent on all other travel; earn 2 miles per $1 spent on dining including eligible delivery services; earn 1 mile per $1 spent on all other purchases.

Benefits with this Visa Infinite product include up to $100 Global Entry, TSA Precheck® or NEXUS fee credit and 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights when you pay with your Club Infinite Card.. You receive free first and second checked bags (a savings of up to $320 per roundtrip, terms apply).

UnitedSM Explorer Card

Chase has an offer to earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.

Your spending will earn 2 miles per $1 spent on dining, hotel stays, and United® purchases. 1 mile per $1 spent on all other purchases. The dining category extends to eligible delivery services.

What’s great about this $0 intro annual fee the first year then $95 annual fee card is the travel benefits when flying United. You get free first checked bag – a savings of up to $140 per roundtrip. Terms Apply. You get priority boarding (avoid having to gate check your carry on, and indeed on a Basic Economy fare you can still bring on a full-sized carry-on bag).

You’ll get 2 one-time United Club passes each year for your account anniversary as well. And the card offers up to $100 Global Entry, TSA Precheck ® or NEXUS fee Credit. And cardmembers can receive 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Explorer Card

Cardmembers get access to extra award availability at lower mileage prices that general members don’t have. Elites with the card can receive complimentary domestic upgrades on award tickets.

United QuestSM Card

New cardmembers can earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.

On an ongoing basis you’ll earn earn 3x miles on United® purchases, 2x miles on dining and select streaming services, 1x on all other purchases.

Plus, each year, receive a $125 United® purchase credit and two 5k-mile anniversary award flight credits. Terms apply.

This new card is positioned between the UnitedSM Explorer Card and the United ClubSM Infinite Card. For those who fly United, the United QuestSM Card will provide real value taking advantage of both the annual credit towards spend with the airline and earning 10,000 miles back on redemptions.

United GatewaySM Card

This is the no annual fee United cobrand card and it has an offer to earn 30,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open.

Even without an annual fee, ongoing earn is generous at 2 miles per $1 spent on United® purchases, at gas stations and on local transit and commuting; 1 mile per $1 spent on all other purchases. It also has no foreign transaction fees.

UnitedSM Business Card

The United Business Card has an offer to earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. It has a $0 introductory annual fee for the first year, then $99.

The card will earn 2 miles per $1 spent on United® purchases, dining (including eligible delivery services), at gas stations, office supply stores, and on local transit and commuting; and earn 1 mile per $1 spent on all other purchases.

Cardmembers can enjoy a free first checked bag – a savings of up to $140 per roundtrip (terms apply), 2 United ClubSM one-time passes per year, and priority boarding privileges.

What’s more the card offers a $100 United® travel credit after 7 United® flight purchases of $100 or more each anniversary year.

They even encourage you to have both a business and personal United card because you’ll receive a 5,000-mile “better together” bonus each anniversary when you have both the UnitedSM Business Card and a personal Chase United ® credit card.

Virgin Atlantic

Virgin Atlantic World Elite Mastercard offers:

  • 20,000 Flying Club bonus miles after your first retail purchase
  • 50,000 additional Flying Club bonus miles after you spend at least $12,000 on purchases within the first 6 months of your account open date
  • Earn up to 15,000 additional bonus miles each anniversary after qualifying purchases
  • Earn up to 15,000 Flying Club bonus miles every anniversary after qualifying purchases

HOTEL CREDIT CARDS

Hilton

The Hilton Honors American Express Business Card

This card has a Limited Time Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $5,000 in purchases on the Hilton Honors Business Card in the first 3 Months of Card Membership. Plus you can earn a Free Night Reward after you spend $10,000 in purchases on the Hilton Honors Business Card in the first 6 months of Card Membership. Offer ends 12/21/22.

The card will earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X at U.S. gas stations, on U.S. purchases for shipping, on wireless telephone services purchased directly from U.S. service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at U.S. restaurants, 3X on all other eligible purchases.

You’ll enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card. You’ll earn a Free Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year. And earn another Free Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.

The card comes with 10 free airport lounge visits each year once enrolled in complimentary Priority PassTM Select membership, which offers access to more than 1,300 lounges across 140 countries and counting.

This is a $95 annual fee card. Terms apply. See Rates & Fees

Hilton Honors American Express Card

This Hilton card has an offer to earn 80,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Card in the first 3 months of Card Membership.

Ongoing earning is 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio.; 5X at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.; 3 points per dollar on other purchases.

The product comes with Hilton Honors Silver status ($20,000 spend on the card in a calendar year earns Gold status through the end of the next calendar year).

This is a no annual fee card. Terms Apply. See Rates & Fees

Hyatt

The World Of Hyatt Credit Card

There’s a current bonus to earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.

The card is fantastic for anyone who likes Hyatt. It makes earning elite status easier, and spending is rewarding — for Hyatt stays, for bonus categories, and because of the additional free night after $15,000 in spend each cardmember year. So while $15,000 in spending is required to earn the full bonus, it makes a lot of sense to do this because $15,000 can also earn an additional free night.

You’ll receive 1 free night every year after your cardmember anniversary at any Category 1-4 Hyatt hotel or resort in addition to earning that extra free night at any Category 1-4 Hyatt hotel or resort if you spend $15,000 during a year.

On an ongoing spend with the card will earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member. Plus, earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships.

The card lets you get automatic World of Hyatt Discoverist status for as long as your account is open and 5 qualifying night credits toward your next tier status every year and also earn 2 qualifying night credits towards your next tier status every time you spend $5,000 on your card.

World of Hyatt Business Credit Card

The initial bonus offer is 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.

On an ongoing basis you’ll earn 9 points total per $1 spent at Hyatt – 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member – as well as 2 Bonus Points per $1 spent in your top three spend categories each quarter through 12/31/23, then your top two categories each quarter; 2 Bonus Points per $1 spent on fitness club and gym memberships.

You’ll receive up to $100 in Hyatt statement credits – spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.

And the value here is the role the card plays in elite status: 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year along with World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees.

IHG One Rewards

IHG® Rewards Premier Credit Card

Chase has an offer for you to earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening

You’ll enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for any stay of 3 or more nights.

Use this $99 annual fee card and earn up to 26 points total per $1 spent when you stay at an IHG hotel. Earn 5 points per $1 spent on purchases on travel, gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases.

Cardmembers receive platinum status for as long as they remain a cardmember. There’s a Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card as well.

IHG® Rewards Traveler Credit Card

Chase has an offer for you to earn 80,000 bonus points after spending $2,000 on purchases within the first three months of account opening

Ongoing spend will earn up to 17 points total per $1 spent when you stay at an IHG hotel. Earn 3 points per $1 spent on purchases on monthly bills, gas stations, and restaurants. Earn 2 points per $1 spent on all other purchases.

One of the best features is that cardholders can Redeem 3 Nights, Get the 4th Night Free. That’s outstanding on a no annual fee card that also has no foreign transaction fees.

IHG® Rewards Premier Business Credit Card

Chase has an offer to earn 140,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening. Then you’ll enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for any stay of 3 or more nights.

On an ongoing basis you’ll earn up to 26 points total per $1 spent when you stay at an IHG hotel; earn 5 points per $1 spent on purchases on travel, gas stations, select advertising, and restaurants; earn 3 points per $1 spent on all other purchases.

You’ll also receive Platinum Elite status as long as you remain a Premier card member.

Additional benefits include Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card.

Marriott

Marriott Bonvoy Boundless® Credit Card

Chase has an offer to earn 3 Free Night Awards (each night valued up to 50,000 points) after spending $3,000 on purchases in your first 3 months from account opening with the Marriott Bonvoy Boundless® Credit Card!

Ongoing spend will earn up to 17X total points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card and 2X points for every $1 spent on all other purchases.. Plus, earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining

Cardmembers receive 15 Elite Night Credits annually, automatic Silver Elite Status each account anniversary year, and path to Gold Status when you spend $35,000 on purchases each calendar year.

Marriott Bonvoy Bold® Credit Card

Chase has an offer to earn 30,000 Bonus Points after you spend $1,000 on purchases in the first 3 months from account opening.

You can earn up to 14X total points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Bold® Card.; 2X points for every $1 spent on other travel purchases (from airfare to taxis and trains).; 1X point for every $1 spent on all other purchases.

This card comes with 15 Elite Night Credits each calendar year and will earn up to 14 points total for every $1 spent at 7,000+ hotels participating in Marriott Bonvoy® and 2X points on other travel purchases (from airfare to taxis and trains).

Marriott Bonvoy Business® American Express® Card

American Express has a Welcome Offer: Earn 75,000 Bonus Marriott Bonvoy Points after you use your new Card to make $3,000 in purchases within the first 3 months of Card Membership.

The card earns 6x points at hotels participating in the Marriott Bonvoy® program; 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping; and 2x points on all other eligible purchases.

Cardmembers receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.

Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card. $35,000 in eligible purchases in a calendar year earns Gold status. Terms apply. Cardmembers can receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply. This is a $125 annual fee card. See rates and fees.

Marriott Bonvoy Brilliant® American Express® Card

American Express has an offer to earn 150,000 Marriott Bonvoy® bonus points after you use your new Card to make $5,000 in purchases on the Card within the first 3 months.

Each Card renewal year, get up to $300 in statement credits per calendar year (up to $25 per month) for eligible purchases at restaurants worldwide.

Statement credits have helped me justify holding the card myself and also that each year you receive a Marriott Brilliant Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.

On an ongoing basis you earn 6 Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in the Marriott BonvoyTM program. 3 points at Worldwide Restaurants and on flights booked directly with airlines. 2 points on all other eligible purchases.

Each calendar year after spending $60,000 on eligible purchases, Card Members are eligible to select an Earned Choice Award benefit. Benefit options include: Five (5) Suite Night Awards, 85K Free Night Award, and mattress and box spring $750 discount from Marriott Bonvoy Boutiques.

In addition to receiving Platinum status as a cardmember, each calendar year you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.

Cardmembers can enroll in Priority Pass Select, which offers unlimited access to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.

$650 annual fee. Terms apply. See Rates & Fees.

BANK PROGRAM CREDIT CARDS

Chase Ultimate Rewards

Chase Sapphire Preferred® Card has an offer to earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.

Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.

You can transfer points to Chase airline and hotel partners such as United; Hyatt; Southwest; British Airways; Virgin Atlantic; Singapore Airlines; Air France KLM; JetBlue; Aer Lingus; Iberia; Emirates; Marriott.

You’ll get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel. And with Pay Yourself BackSM, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.

Noteworthy are the protections that come with this card. You can count on Trip ancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more. And you can get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.

Chase Sapphire Reserve® has an offer to earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when you redeem through Chase Ultimate Rewards®.

This $550 annual fee card comes with a $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.

Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

You can take your points and transfer them to a variety of airlines and hotel programs, or use your points at 1.5 cents apiece towards travel through the Ultimate Rewards portal. In addition, with Pay Yourself BackSM, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.

Current transfer partners include:

  • Airlines: United MileagePlus, British Airways Executive
    Club, Air France KLM Flying Blue, Singapore Airlines KrisFlyer, Southwest
    Airlines Rapid Rewards, Virgin Atlantic Flying Club, Iberia Plus, Aer Lingus
    AerClub, Emirates Skywards, Air Canada Aeroplan
  • Hotels: World of Hyatt, Marriott Bonvoy, IHG On Rewards

The card comes with easy, one-time enrollment for a Priority Pass Select with unlimited visits (including for up to 2 guests) subject only to capacity at 1300+ lounges around the world. They do not exclude participating airport restaurants from the benefit. There are no foreign transaction fees.

Chase Freedom Unlimited®

This no annual fee card has an Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back!

That means you’ll enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards ®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).

And then after your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards ®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

What I love most and the reason I’ve use this card myself is to earn unlimited 1.5% cash back on all other purchases. While these points do not transfer directly to airline or hotel programs, you can combine them into a Sapphire Preferred or Sapphire Reserve account, and from there to participating airline or hotel loyalty programs. I love earning a minimum of 1.5 points that I’m able to move to United, Singapore, or Hyatt that way.

Chase Freedom FlexSM

This card has an offer to earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

An an ongoing basis you’ll earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more. 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.

While these points do not transfer directly to airline or hotel programs, you can combine them into a Sapphire Preferred or Sapphire Reserve account, and from there to participating airline or hotel loyalty programs. I love earning 5 points per dollar spent in several categories that I’m able to move to United, Singapore, or Hyatt along with other Chase partners.

Chase Freedom® Student credit card

This no annual fee card earns a $50 Bonus after first purchase made within the first 3 months from account opening and 1% cash back on all purchases. Each account anniversary for up to 5 years it offers a $20 Good Standing Reward. This is an interesting way to get started with rewards credit cards.

Ink Business Preferred® Credit Card

This card has an offer to earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That’s $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®

Your spending will earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases.

Ink Business Unlimited® Credit Card

This is a no annual fee card with its Best Offer Ever: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

Your ongoing spend will earn unlimited 1.5% cash back on every purchase made for your business.

Ink Business Cash® Credit Card

This no annual fee card has its Best Offer Ever: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. Think of that as 90,000 points, which – if you have an Ultimate Rewards card whose points transfer to airline miles and hotel points – can be combined into one of Chase’s annual fee Ultimate Rewards products, and then transferred to a variety of loyalty program partners.

Ongoing earn is rich, especially 5x categories: earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year; earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year; earn 1% cash back on all other purchases.

New Business Card! Ink Business PremierSM Credit Card

You can earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening. Spending will earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.

Note that while you can redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards® you cannot transfer points to airline or hotel loyalty programs.

American Express Membership Rewards

American Express® Gold Card

Initial bonus offer: Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

Earning: Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X); Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com; 1x on all other qualifying purchases.

Credits and Benefits: $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year. $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.

Annual fee is $250. Terms apply, See Rates and Fees.

American Express® Business Gold Card

Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.

The card earns More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. 4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year. Terms apply. Eligible categories are: airfare purchased directly from airlines; U.S. purchases for advertising in select media; U.S. purchases at gas stations; U.S. purchases for shipping; U.S. computer hardware, software, and cloud computing purchases made directly from select providers.

You’ll receive a 25% rebate on points after you redeem for an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year. (Although I prefer all of the options to transfer Membership Rewards points to airline miles.)

This is a $295 annual fee card. Terms apply. See rates and fees.

The Platinum Card® from American Express has an offer to earn 80,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.

This card gets complimentary access to American Express Centurion airport lounges. American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. There are even more places your Platinum Card® can get you complimentary entry and exclusive perks. It also provides individual cardmember access to Delta lounges when flying Delta same-day, and a Priority Pass Select membership for cardmember access to lounges that are a part of the Priority Pass network along with Plaza Premium and Escape lounges.

You can also get a number of statement credit benefits,

  • $200 Hotel Credit & $200 Airline Fee Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card®. And if you fly, you can receive up to $200 in statement credits per calendar year after you select a qualifying airline and incidental fees are charged by the airline to your Platinum Card®.
  • $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times. Enrollment required.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
  • $300 Equinox Credit: Get up to $300 back per calendar year on the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your Platinum Card. Enrollment required. Learn more.
  • $189 CLEAR® Credit: Breeze through security with CLEAR® lanes available at 100+ airports, stadiums, and entertainment venues and get up to $189 back per calendar year on your membership when you use your Card. Learn more.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax. Plus Ups are excluded.

This card earns 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

There’s no foreign currency transaction fees. There are also additional travel benefits like Gold status in the Marriot program, Hilton Honors and Executive status in the National Car Rental program that you can sign up for.

This is a $695 annual fee card. See rates and fees. Terms apply.

The Business Platinum Card® from American Express

This card has a Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.

On an ongoing basis you’ll earn 1.5X points (that’s an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.. In addition you get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases. This is valuable in my view for flights, where you don’t give up benefits booking through a third party site. However the card gives you status through a relationship with Hilton and Marriott and you may give up status benefits on prepaid hotel stays booked through AmexTravel.com.

The card gets you access to American Express Centurion lounges, Delta lounges when flying Delta same day, and a Priority Pass Select card for lounge access as well.

You can earn over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers. Plus the card offers a $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for checked baggage fees, lounge day passes, and more at one selected airline and a $189 CLEAR® Credit: Use your Card and get up to $189 back per year on your CLEAR® membership. CLEAR® is available at more than 50 U.S. airports and stadiums.

This is a $695 annual fee card. Terms Apply, see rates and fees.

Amex EveryDay® Preferred Credit Card offers an initial bonus of 15,000 points after $1000 in purchases within your first 3 months of card membership.

This $95 annual fee card card earns 3 points per dollar spent at US supermarkets (on up to $6000 per year in purchases), 2 points per dollar at US gas stations, and 1 point on other purchases. It also earns a 50% bonus on those purchases each billing period in which you make 30 or more purchases with the card. That means if you use the card for 30 or more purchases each billing cycle you’ll earn 1.5 points per dollar spent — and up to 4.5 points per dollar for US supermarket purchases.

Information about this product was researched independently by View from the Wing. The issuer did not provide its details, and is not responsible for their accuracy.

Citi ThankYou Rewards

Citi Premier® Card

For a limited time, earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening.

Earning on this $95 annual fee card is 3 Points per $1 spent at Restaurants and Supermarkets, 3 Points per $1 spent at Gas Stations, Air Travel and Hotels; 1 Point per $1 spent on all other purchases.

80,000 Points are redeemable for $800 in gift cards when redeemed at thankyou.com – or points can be transferred to a variety of frequent flyer programs, including:

  • SkyTeam: Aeromexico Club Premier, Air France KLM Flying Blue
  • oneworld: Cathay Pacific Asia Miles, Malaysia Airlines Enrich, Qantas Frequent Flyer, Qatar Airways Privilege Club
  • Star Alliance: Avianca LifeMiles, EVA Air Infinity MileageLands, Singapore Airlines KrisFlyer, Thai Airways Royal Orchid Plus, Turkish Airlines Miles & Smiles
  • Non-alliance: Emirates Skywards, Etihad Guest, JetBlue TrueBlue, Virgin Atlantic Flying Club

There’s also an Annual Hotel Savings Benefit: once per calendar year you can receive $100 off a single hotel stay of $500 or more (excluding taxes and fees) booked through thankyou.com.

Citi Rewards+® Card is the only credit card that automatically rounds up to the nearest 10 points on every purchase with no cap.

For a limited time, earn 5 ThankYouR Points per $1 spent at restaurants up to $6,000 in the first 12 months and 1 ThankYouR Point per $1 spent thereafter. And earn 2X ThankYou+® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou+® Points on All Other Purchases. It has a $0 annual fee.

CAPITAL ONE CARDS

Capital One Venture X Rewards Credit Card

Capital One lets you transfer your miles to your choice of 15+ travel loyalty programs, and offers a premium rewards card at a lower annual fee than several other cards in its class.

Current Offer: Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
Earning: Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel, plus unlimited 2X miles on all other purchases (Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more-you can even transfer your miles to your choice of 15+ travel loyalty programs.)
Benefits: Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of options. Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary. Unlimited complimentary access for you and two guests to 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network. Receive up to a $100 credit for Global Entry or TSA PreCheck®. Complimentary Hertz President’s Circle status: As a Venture X cardholder, get the most out of your car rental with complimentary Hertz President’s Circle® status. Enroll in Hertz Gold Plus Rewards® or upgrade your existing member status to skip the rental counter and choose from the widest selection of cars. Plus, enjoy guaranteed upgrades”.
Foreign Transaction Fee: None
Annual Fee: $395

Capital One Venture Rewards Credit Card

Capital One’s points let you buy any flight without worrying about restricted award availability. This is most useful for people who use their rewards for domestic economy flights, and can be especially valuable over peak travel dates.

Current Offer: Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
Earning: Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. (Use your miles to get reimbursed for any travel purchase-or redeem by booking a trip through Capital One Travel. Plus, transfer your miles to your choice of 15+ travel loyalty programs.)
Benefit: Receive up to $100 application fee credit for Global Entry or TSA Pre✓®; Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through our Partner Lounge Network
Annual Fee: $95

Capital One VentureOne Rewards Credit Card

Capital One’s points let you buy any flight without worrying about restricted award availability. This is most useful for people who use their rewards for domestic economy flights, and can be especially valuable over peak travel dates.

Current Offer: Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Earning: Earn unlimited 1.25X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. (Use your miles to get reimbursed for any travel purchase-or redeem by booking a trip through Capital One Travel. Plus, transfer your miles to your choice of 15+ travel loyalty programs.)
Foreign Transaction Fee: None
Annual Fee: $0

Capital One SavorOne Cash Rewards Credit Card

Current Offer: Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Earning: Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases; Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024; Earn 8% cash back on Capital One Entertainment purchases; Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
Foreign Transaction Fees: None
Annual Fee: $0

CASH BACK AND TRAVEL REBATE CARDS

Citi® Double Cash Card

This is one of the absolute strongest cash back cards. It has a $0 annual fee and earns 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you you pay for those purchases. There’s no caps on the cash back you earn, and the full rebate applies regardless of spending category. (To earn cash back, pay at least the minimum due on time.)

Citi Custom CashSM Card

This no annual fee card offers an initial bonus to earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

On an ongoing basis you’ll earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Those categories are Restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs and live entertainment. (Also, earn unlimited 1% cash back on all other purchases.)

Your 5% categories are automatic, no signup needed: as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.

American Express Blue Business CashTM Card

This card lets you earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement. The card has no annual fee. There is an upfront offer to earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.

Terms apply. See rates and fees.

Fidelity Investment Rewards Visa Signature Card earns 2% back deposited into a Fidelity account and has no annual fee.

Blue Cash Preferred® Card from American Express

This card lets you earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.

6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 6% Cash Back on select U.S. streaming subscriptions; 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more); 1% Cash Back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.

Thinking about getting The Disney Bundle which includes Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $13.99 or more each month on an eligible subscription with your Blue Cash Preferred Card. Enrollment required.

The card has $0 intro annual fee for the first year, then $95. Terms Apply, see rates and fees.

Blue Cash Everyday® Card from American Express

This no annual fee card lets you earn up to $250 – Here’s How: Earn up to $150 back when you shop with PayPal. Earn 20% back as a statement credit on purchases when you use your new Card to check out with PayPal at merchants in the first 6 months of Card Membership, up to $150 back. Plus, earn $100 back as a statement credit after you spend $2,000 in purchases on your new Card in the first 6 months of Card Membership.

On an ongoing basis it will earn 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%; 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%; 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%; Get $7 back each month after using your Blue Cash Everyday Card to spend $13.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.

Terms apply. See rates and fees.

State Department Federal Credit Union Premium Cash Back+ is a no annual fee 2% cash back card; $200 bonus cash rewards when you spend $3,000 within the first 90 days; comes with cell phone protection.

The Blue Business® Plus Credit Card from American Express

The card earns 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. That makes this the best most rewarding card for otherwise-unbonused spend.

There’s an upfront offer to earn earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.

No annual fee. Terms apply. See rates and fees.

Bank of America® Travel Rewards credit card

20,000 bonus points after $1000 spend within 90 days, and 1.5x earn on everything (amounts to a 1.5% rebate to spend on travel).

Editorial note: any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.