Our Favorite Cards

Annual Fee: $95

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Our Thoughts

Chase Sapphire Preferred is our top choice because of its amazing signup bonus, reasonable annual fee, and the amazing value of the points it earns. If you're looking for your first travel credit card look no further than Chase Sapphire Preferred.

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

5x

5X points on travel booked through the Chase Travel Portal

3x

3X Ultimate Rewards points on restaurants, select streaming services, and online groceries (excluding Target, Walmart, and wholesale clubs). Note this also excludes in-store grocery purchases.

2x

2X Ultimate Rewards points on all other travel purchases outside of the Chase Travel Portal and 1X Ultimate Rewards points on all other spending

1x

1 point per dollar spent on all other purchases.

10%

10% Ultimate Rewards point bonus annually based on your card spending, earned after you renew and pay your annual fee

Annual Fee: $250

Rates & Fees
Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months. Terms Apply.
Our Thoughts

The American Express® Gold Card is widely known as having some of the best spending category bonuses of any card on the market. This card has a reasonable annual fee, great bonus, and plenty of perks that are valuable to just about anyone.

4x

at restaurants worldwide, including Takeout and Delivery in the U.S.

4x

at U.S. Supermarkets, on up to $25,000 per calendar year in purchases, then 1x.

3x

for flights booked directly with airlines or on amextravel.com.

1x

on all other eligible purchases.

Annual Fee: $695

Rates & Fees
Earn 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership.
Our Thoughts

The Platinum Card by American Express has been a staple in the points/miles world for a very long time. Recently updated to an annual fee of $695, It comes with up $200 airline fee credits, up to $200 annual hotel credits, up to $189 CLEAR® Plus, up to $300 Equinox Credit, monthly digital entertainment credits, lounge access, and a handful of other premium perks.

5x

Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel on up to $500,000 on these purchases per calendar year. 1x thereafter.

5x

5X Membership Rewards® Points on prepaid hotels booked on amextravel.com.

1x

Earn 1x Membership Rewards® Points on all other purchases.

Annual Fee: $550

Earn 60,000 Chase Ultimate Rewards® Points after you spend $4,000 on purchases in the first 3 months from account opening.
Our Thoughts

Chase Sapphire Reserve is widely regarded as the best premium travel credit card on the market. The annual fee is steep, but the benefits of this card are fantastic. Remember that the card comes with a $300 annual travel credit, which makes the fee much easier to justify.

Earn 5X total points on air travel 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.

10x

Earn 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually.

10x

Earn 10x total points on Chase Dining purchases through Chase Ultimate Rewards when you make prepaid restaurant reservations, order takeout or join our virtual cooking events.

5x

Earn 5X total points on air travel when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually.

3x

Earn 3x points on other travel worldwide, after the first $300 is spent on travel purchases annually.

3x

Earn 3X points on dining at restaurants including eligible delivery services, takeout and dining out.

1x

Earn 1 point per $1 spent on all other purchases

Annual Fee: $395

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
Our Thoughts

There’s a lot to love about the Capital One Venture X Rewards Credit Card. Sure, it might be a glorified Capital One Venture Card, but it has some compelling credits to help justify it over its little brother.

10x

On hotels and rental cars booked through Capital One Travel

5x

On flights booked through Capital One Travel

2x

On all other purchases

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Our Thoughts

Like the Ink Business Cash® Credit Card, the Ink Business Unlimited comes with a welcome bonus that is marketed as “cash back”. These points can be used for higher value travel redemptions if you have another Chase Ultimate Rewards card.

1.5%

Earn unlimited 1.5% cash back on every purchase

American Express

American Express Personal Cards

Annual Fee: $695

Rates & Fees
Earn 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership.
Our Thoughts

The Platinum Card by American Express has been a staple in the points/miles world for a very long time. Recently updated to an annual fee of $695, It comes with up $200 airline fee credits, up to $200 annual hotel credits, up to $189 CLEAR® Plus, up to $300 Equinox Credit, monthly digital entertainment credits, lounge access, and a handful of other premium perks.

5x

Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel on up to $500,000 on these purchases per calendar year. 1x thereafter.

5x

5X Membership Rewards® Points on prepaid hotels booked on amextravel.com.

1x

Earn 1x Membership Rewards® Points on all other purchases.

Annual Fee: $250

Rates & Fees
Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months. Terms Apply.
Our Thoughts

The American Express® Gold Card is widely known as having some of the best spending category bonuses of any card on the market. This card has a reasonable annual fee, great bonus, and plenty of perks that are valuable to just about anyone.

4x

at restaurants worldwide, including Takeout and Delivery in the U.S.

4x

at U.S. Supermarkets, on up to $25,000 per calendar year in purchases, then 1x.

3x

for flights booked directly with airlines or on amextravel.com.

1x

on all other eligible purchases.

Annual Fee: $650

Rates & Fees
Earn 100,000 bonus miles after you spend $6,000 in purchases on your new Card in your first 6 months.
Our Thoughts

This is the premium Delta co-brand card for serious Delta customers. The ability to earn MQMs with credit card spend is a nice perk for big spenders.

3x

Earn 3X Miles on Delta purchases.

1x

Earn 1X Mile on all other eligible purchases.

Annual Fee: $350

Rates & Fees
Earn 90,000 bonus miles after you spend $4,000 in purchases on your new Card in your first 6 months.
Our Thoughts

The premium card option for travelers who frequently fly Delta. This card also offers a companion certificate, good for domestic flights on Delta, after each year you renew the card

3x

Earn 3X Miles on Delta purchases and purchases made directly with hotels.

2x

Earn 2X Miles at restaurants worldwide, including takeout and delivery in the U.S. and at U.S. supermarkets.

1x

Earn 1X Miles on all other eligible purchases.

Annual Fee: $150

Rates & Fees
Earn 70,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 6 months.
Our Thoughts

This is perhaps the most popular card among loyal Delta customers thanks to the free checked bag benefit and reasonable annual fee. Overall a very typical airline co-brand credit card.

2x

Earn 2x miles on Delta purchases

2x

Earn 2x miles on restaurant purchases worldwide and at US supermarkets

1x

Earn 1x miles back on all other eligible purchases

Earn 10,000 bonus miles after you spend $1,000 in the first 6 months. Terms Apply.
Our Thoughts

This is the no-fee version of Delta's co-brand cards with American Express. Fewer perks and a lower bonus but a good option for anyone who is not looking to pay an annual fee on a card.

2x

Earn 2x miles on Delta purchases

2x

Earn 2x miles on at restaurants worldwide, plus takeout and delivery in the U.S.

1x

Earn 1x miles back on all other purchases

Annual Fee: $150

Rates & Fees
Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership.
Our Thoughts

Overall this card is great when compared to other Hilton offers but in the middle of the pack in the world of hotel cards. Remember, these are Hilton points we are talking about so don’t get too excited by the large number. Most consider Hilton points to be worth about 0.5 cents per point.

12x

Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio

6x

Earn 6X Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations

4X

Earn 4X Points for each dollar on U.S. Online Retail Purchases.

3x

Earn 3X Points for all other eligible purchases on your Card.

Earn 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership.
Our Thoughts

Overall this card is decent when compared to other Hilton offers but in the middle of the pack in the world of hotel cards. Remember, these are Hilton points we are talking about so don’t get too excited by the large number. Most consider Hilton points to be worth about 0.5 cents per point.

7x

Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio.

5x

Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.

3x

Earn 3X Points for all other eligible purchases on your Card.

Annual Fee: $650

Rates & Fees
Earn 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
Our Thoughts

This is the most premium card in the Marriott family, coming with a $650 fee but plenty of perks to justify it. Earn 6x points at Marriott, 3x on worldwide restaurants and flights booked directly with airlines, 2x on everything else.

Also comes with an annual free night award every year after your Card renewal month, good at or under 85,000 Marriott Bonvoy points, each card renewal year. The card also has the $300 Brilliant Dining Credit. Each calendar year, get up to $300 (up to $25 per month) for eligible purchases made on the Marriott Bonvoy Brilliant Card at restaurants worldwide.

6x

Earn 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy® program.

3x

Earn 3X points at restaurants worldwide and on flights booked directly with airlines.

2x

Earn 2X points on all other eligible purchases.

Annual Fee: $250

Rates & Fees
Earn 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership.
Our Thoughts

This mid-tier Marriott Bonvoy credit card is great if you're a Marriott loyalist, but don't spend enough to justify the steep annual fee of it's big brother, the Marriott Bonvoy Brilliant® American Express® Card.

6x

Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy.

4x

Earn 4X points at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2X points).

2x

Earn 2X points on all other eligible purchases.

Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Our Thoughts

A popular card for those who want to be rewarded for spend at U.S. supermarkets, U.S. online retail purchases, and U.S. gas station spend due to the elevated cash back on those categories and no annual fee.

3%

Earn 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).

3%

Earn 3% Cash Back on U.S. online retail purchases (on up to $6,000 per year in purchases, then 1%).

3%

Earn 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%.

1%

Earn 1% Cash Back on other purchases.

Annual Fee: $95

Rates & Fees
Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
Our Thoughts

A very popular choice for spend on groceries and gas thanks to 6% back (up to $6,000) at U.S. supermarkets and 3% back at U.S. gas stations

6%

Earn 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)

6%

Earn 6% Cash Back on select U.S. streaming subscriptions

3%

Earn 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more

3%

Earn 3% Cash Back at U.S. gas stations

1%

Earn 1% Cash Back on other purchases

American Express Business Cards

Annual Fee: $695

Rates & Fees
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.
Our Thoughts

The Business Platinum Card by American Express has a high annual fee but all the bells and whistles needed to justify it. Amazing limited time offer, lounge access, $200 annual airline incidental credit, and more. Once again, you do not need to own a “traditional business” to qualify for one.

5x

5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com

1.5x

Earn 1.5X points (that's an extra half point per dollar) on each eligible purchase 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.

1x

Earn 1X points for each dollar you spend on eligible purchases.

Annual Fee: $375

Rates & Fees
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. Terms Apply.
Our Thoughts

The real benefit of the American Express® Business Gold Card is the ability to earn 4x points on the spend categories where your business spends the most each month. Overall this is an excellent long term card for business owners.

4x

Earn 4X points in the 2 select categories where you spend the most each month on up to the first $150,000 in combined purchases from these 2 categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.

3x

Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.

1x

Earn 1x Membership Rewards® Points on all other purchases.

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
Our Thoughts

A great everyday spender for business owners because of its 2% cash back earning rate on all purchases up to $50,000 annually, then 1% cash back earned is automatically credited to your statement. Ideal for non category spending to fill in the "gaps" left by other popular business credit cards

2

Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year (1% after)

1

Earn 1% cash back automatically credited to your statement after the first $50,000 spent per calendar year.

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.
Our Thoughts

A great everyday spender for business owners because of its 2x earning rate on all purchases up to $50,000 annually (1x thereafter). Ideal for non category spending to fill in the "gaps" left by other popular business credit cards

2x

Earn 2X Membership Rewards® points on everyday business purchases regardless of category, up to $50,000 in spend per year (1x thereafter)

1x

Earn 1x on all purchases after that

Annual Fee: $650

Rates & Fees
Limited Time Offer: Earn 110,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 3/27/24.
Our Thoughts

This is perhaps the most premium Delta credit card for business owners. High annual fee, but this can be offset thanks to limited Delta Skyclub access, an annual companion certificate, and the free checked bag benefit.

3x

Miles per $1 on Delta purchases

1.5X

Earn 1.5X miles on eligible transit, U.S. shipping, and U.S. office supply store purchases, plus all eligible purchases after you spend $150,000 in purchases on your Card in a year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.

1x

Miles per $1 spent on all else

Annual Fee: $350

Rates & Fees
Limited Time Offer: Earn 100,000 Bonus Miles after spending $8,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 3/27/24.
Our Thoughts

The premium card option for business owners who frequently fly Delta. This card also offers a companion certificate, each year you renew the card

3x

Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta.

3x

Earn 3 Miles on every eligible dollar spent on purchases made directly with hotels.

1.5x

Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply

1x

Earn 1 Mile on every eligible dollar spent on other purchases.

Annual Fee: $150

Rates & Fees
Earn 80,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 3/27/24.
Our Thoughts

Perhaps the best option for business owners who frequently fly on Delta thanks to the free checked bag benefit and ability to earn SkyMiles with every purchase

2x

Earn 2x miles on Delta purchases.

2x

Earn 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year.

2x

Earn 2x miles on every eligible dollar spent at restaurants.

1x

Earn 1x miles back on all other purchases

Annual Fee: $95

Rates & Fees
Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership
Our Thoughts

A great choice for business owners who find themselves staying at Hilton properties on a regular basis. This card earns 12x points on spend at Hilton properties and also comes with complimentary Hilton Gold Status. All for a reasonable $95 annual fee.

12x

Earn 12X directly with hotels and resorts in the Hilton portfolio.

6x

Earn 6X on 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

Earn 3X on all other eligible purchases.

Annual Fee: $125

Rates & Fees
Limited Time Offer: Earn five Free Night Awards after you use your new Card to make $8,000 in eligible purchases within the first 6 months of Card Membership. Redemption level up to 50,000 Marriott Bonvoy® points for each bonus Free Night Award, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Offer Ends 3/20/24.
Our Thoughts

Earn 6x points at participating Marriott Bonvoy hotels, 4x 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. 2x points on all other eligible purchases. One free night each year on your account anniversary (35,000 points per night or less).

6x

Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.

4x

Earn 4X points for 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.

2x

Earn 2X points on all other eligible purchases.

Capital One

Capital One Personal Cards

Annual Fee: $395

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
Our Thoughts

There’s a lot to love about the Capital One Venture X Rewards Credit Card. Sure, it might be a glorified Capital One Venture Card, but it has some compelling credits to help justify it over its little brother.

10x

On hotels and rental cars booked through Capital One Travel

5x

On flights booked through Capital One Travel

2x

On all other purchases

Annual Fee: $95

Earn 75,000 miles once you spend $4,000 on purchases within 3 months from account opening.
Our Thoughts

The 75,000 bonus miles on the Capital One® Venture® Rewards Credit Card are worth at least $750 in free travel, and even more if you're able to leverage some of the many transfer partners.

2x

miles on all purchases

Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening
Our Thoughts

The VentureOne Rewards from Capital One is the no-fee version of the Venture Rewards from Capital One. It earns 1.25 miles per dollar on every purchase and 5 miles per dollar on hotel and rental car bookings through Capital One Travel.

1.25

Earn unlimited 1.25 miles per dollar on every purchase

5

Earn unlimited 5 miles per dollar on hotels and rental cars booked through Capital One Travel

Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Our Thoughts

This is a decent no-fee cash back card that offers additional cash back on dining, entertainment, streaming services, and groceries. There's no need for you to stay up to date with rotating categories or other one-time promotions like you have to do with other cash back cards.

8%

Earn 8% cash back on Capital One Entertainment purchases.

3%

Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®).

1%

Earn 1% on all other purchases.

One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Our Thoughts

The Capital One Quicksilver Cash Rewards Credit Card is a decent no-fee cash back card that is also a great choice for those who are brand new to credit cards. It offers unlimited 1.5% cash back with no annual fee.

For those asking “I’ve never had a credit card before, which one should I get to start building credit?” the answer is Quicksilver.

1.5%

Earn unlimited 1.5% cash back on every purchase, every day

Our Thoughts

The Capital One Quicksilver Secured Cash Rewards Credit Card is one of the best starting points for those looking for credit-building with it's generous rewards rates for a secured card. While your initial credit limit will generally be low and you'll be required to tie up money in a deposit, this card can be a great tool to help you build your a good credit score.

5%

5% cash back on hotel and rental car bookings through Capital One Travel

1.5%

1.5% cash back on all eligible purchases

Our Thoughts

Capital One Platinum Credit Card is a good option for those with average credit looking to improve. It's no annual fee or foreign transaction fees make it an appealing offer, but the lack of rewards are a big con to consider.

Our Thoughts

The Capital One Platinum Secured Credit Card is geared towards those with poor credit ready to rebuild. As a secured card, it requires a minimum security deposit to get a credit line, but does not require an annual fee. This card doesn't earn rewards.

The Capital One Platinum Secured Credit Card doesn't earn any rewards.

Capital One Business Cards

Annual Fee: $95

50,000 miles after spending $4,500 in the first 3 months
Our Thoughts

Spark Miles is basically the business version of the Capital One Venture. The two cards earn the same exact points, which can be redeemed for any form of travel or transferred to a handful of travel partners. This card is very simple, earning a flat 2x miles on all purchases with the occasional bonus category.

5x

Miles on hotel and rental car bookings made through Capital One Travel

2x

Miles on every purchase

Annual Fee: $150

For a limited time, earn up to a $3,000 cash bonus: $1,500 once you spend $20,000 in the first 3 months, and an additional $1,500 once you spend $100,000 in the first 6 months.
Our Thoughts

Perhaps the best cash back card on the market for business owners thanks to a hefty bonus and great ongoing spend earnings.

Business owners can use this card to earn a flat 2% cash back on every purchase with no limits. If you’re looking for simple and great cash back, this is probably the card for you.

2%

Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions

Capital One Venture X Business Card Art

Annual Fee: $395

For a limited time, earn up to 300,000 bonus miles: 150,000 miles once you spend $20,000 in the first 3 months, and an additional 150,000 miles once you spend $100,000 in the first 6 months.
Our Thoughts

The Capital One Venture X Business card is Capital One's business version of the Capital One Venture X Rewards Credit Card. It comes with a high minimum spend, meaning this card will mostly target established business owners.

10X

Earn 10X on hotels and rental cars booked through Capital One Travel

5X

Earn 5X on flights booked through Capital One Travel

2X

Earn 2X miles on every purchase

Chase

Chase Personal Cards

Annual Fee: $95

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Our Thoughts

Chase Sapphire Preferred is our top choice because of its amazing signup bonus, reasonable annual fee, and the amazing value of the points it earns. If you're looking for your first travel credit card look no further than Chase Sapphire Preferred.

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

5x

5X points on travel booked through the Chase Travel Portal

3x

3X Ultimate Rewards points on restaurants, select streaming services, and online groceries (excluding Target, Walmart, and wholesale clubs). Note this also excludes in-store grocery purchases.

2x

2X Ultimate Rewards points on all other travel purchases outside of the Chase Travel Portal and 1X Ultimate Rewards points on all other spending

1x

1 point per dollar spent on all other purchases.

10%

10% Ultimate Rewards point bonus annually based on your card spending, earned after you renew and pay your annual fee

Annual Fee: $550

Earn 60,000 Chase Ultimate Rewards® Points after you spend $4,000 on purchases in the first 3 months from account opening.
Our Thoughts

Chase Sapphire Reserve is widely regarded as the best premium travel credit card on the market. The annual fee is steep, but the benefits of this card are fantastic. Remember that the card comes with a $300 annual travel credit, which makes the fee much easier to justify.

Earn 5X total points on air travel 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.

10x

Earn 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually.

10x

Earn 10x total points on Chase Dining purchases through Chase Ultimate Rewards when you make prepaid restaurant reservations, order takeout or join our virtual cooking events.

5x

Earn 5X total points on air travel when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually.

3x

Earn 3x points on other travel worldwide, after the first $300 is spent on travel purchases annually.

3x

Earn 3X points on dining at restaurants including eligible delivery services, takeout and dining out.

1x

Earn 1 point per $1 spent on all other purchases

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Our Thoughts

A relatively new and fantastic card from Chase mainly due to the incredible bonus categories (5% back on bonus categories, and travel booked through Chase, 3% back on dining and drugstores) and decent signup bonus.

5%

Earn 5% cash back on up to $1,500 in combined purchases in bonus categories, which rotate each quarter (must activate)

5%

Earn 5% back on travel purchased through Chase Ultimate Rewards®

3%

Earn 3% back on dining at restaurants (including takeout and eligible delivery services) and drugstore purchases

1%

Earn 1% back on all other purchases

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!
Our Thoughts

The Freedom Unlimited is a fantastic cash back card with excellent spending categories and no annual fee. Ideally you pair this with a Chase Sapphire card so your points can be used for higher value travel redemptions.

5%

Earn 5% on travel purchased through Chase Ultimate Rewards®.

3%

Earn 3% on dining at restaurants, including takeout and eligible delivery services.

3%

Earn 3% on drugstore purchases.

1.5%

Earn 1.5% on all other purchases

Annual Fee: $95

Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
Our Thoughts

Overall a very typical airline co-brand credit card, the United Explorer comes with one free checked bag when flying United (must purchase the flight with the card), 2x miles on United® purchases, and a nice bonus of United miles.

2x

2 miles per $1 spent at restaurants and eligible delivery services, including Grubhub, Caviar, Seamless and DoorDash.

2x

2 miles per $1 spent on hotel accommodations when purchased directly with the hotel.

2x

2 miles per $1 spent on purchases from United®, including tickets, Economy Plus®, inflight food, beverages and Wi-Fi, and other United charges.

1x

1 mile per $1 on everything else.

Annual Fee: $525

Earn 80,000 bonus miless after you spend $5,000 on purchases in the first 3 months your account is open.
Our Thoughts

Enjoy membership to the United Club. Earn 4 miles per $1 spent on United® purchases, 2 miles per $1 spent on all other travel and dining and 1 mile per $1 spent on all other purchases. Up to $100 Global Entry or TSA PreCheck Fee Credit

4x

Earn 4 miles per $1 spent on United® purchases

2x

Earn 2 miles per $1 spent on all other travel and dining

1x

1 mile per $1 on everything else.

Earn 30,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open.
Our Thoughts

If you're looking for a no annual fee card, the Chase United Gateway Card might be what you're after. This card might best suited for beginners or infrequent travelers, especially those that live near a United hub airport. This card doesn't have the biggest welcome bonus, but as a cardholder, you'll receive benefits like no blackout dates on award tickets, various travel protections and insurances and more.

2x

for every $1 in spend on United® purchases, such as tickets, inflight food beverages and Wi-Fi, baggage fees, seat upgrades, and any other United® purchases.

2x

for every $1 in spend at gas stations.

2x

for every $1 in spend on local transit and commuting, such as ride share services, taxis, subways, tolls, and other forms of mass transit.

1x

for every $1 in spend on all other purchases.

Annual Fee: $250

Earn 70,000 bonus miles + 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.
Our Thoughts

The Chase United Quest Card is a good card for those of you looking for a good card to hold long-term. If you fly United often, some of the perks easily help offset the annual fee. But if you’re more likely to use the points for Star Alliance partner flights then you’re still getting a nice bonus for a relatively modest annual fee.

3X

Earn 3X miles on United® purchases

2X

Earn 2X miles on all other travel

2X

Earn 2X miles dining including eligible delivery services and select streaming services

1X

Earn 1X miles on all other purchases

Annual Fee: $95

Last Chance: Earn 35,000 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. Offer ends 3/6/2024
Our Thoughts

This bonus points can score you nearly two free nights at the some of the best Hyatt properties in the world, and even more free nights at lower end properties. This card also earns 9 points per $1 spent at Hyatt (4X bonus points from the card, and 5X base points for being a World of Hyatt Member), 2 points per $1 on dining and airfare purchased directly with airlines, 2 points per $1 spent on gym and health club memberships, and 1 point per $1 on everything else.

9x

Bonus Points per $1 spent with Hyatt. Earn 4X bonus points from the card and 5 base points as a World of Hyatt member.

2x

Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airline, local transit and commuting as well as fitness club and gym memberships.

1x

Earn 1 Bonus Point per $1 on everything else, 2X in the first 6 months up to the first $15,000 spent.

Annual Fee: $95

Earn up to 100,000 bonus points. Earn 75,000 points after you spend $4,000 on purchases in the first 3 months your account is open. Plus, 25,000 points after you spend $20,000 on purchases in the first 12 months.
Our Thoughts

The new Aeroplan® Credit Card is a great option for anyone looking to earn more points to fly on Star Alliance flights.

3X

Earn 3x points for each dollar spent at grocery stores.

3X

Earn 3X points for each dollar spent on dining at restaurants, including eligible delivery and takeout services.

3X

Earn 3X points for each dollar spent directly with Air Canada.

500

500 bonus points for every $2,000 you spend in a calendar month - up to 1,500 points per month.

1X

Earn 1X point for each dollar spent on all other purchases.

Annual Fee: $99

Limited Time Offer! Earn 165,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.
Our Thoughts

One of the better co-brand hotel cards on the market, the IHG One Rewards Premier Credit Card gives you the flexibility to use points for many nights with the upside of booking a handful of premium nights.

26x

Earn up to 26 total points per $1 spent when you stay at an IHG hotel

5x

Earn 5 points per $1 spent on purchases on travel, gas stations, and restaurants

3x

Earn 3 points per $1 spent on all other purchases

Limited Time Offer! Earn 100,000 bonus points after spending $2,000 on purchases within the first 3 months of account opening.
Our Thoughts

A pretty straightforward hotel co-brand card offers few perks but also does not have an annual fee. An OK choice for anyone who spends a significant amount of money at IHG properties.

17x

Earn up to 17 total points per $1 spent when you stay at IHG Hotels & Resorts

3x

Earn 3 points per $1 spent on purchases on monthly bills, gas stations, and restaurants.

2x

Earn 2 points per $1 spent on all other purchases.

Annual Fee: $95

Limited time offer! Earn 5 Free Night Awards (each night valued up to 50,000 points) after you spend $5,000 on purchases in your first 3 months from your account opening
Our Thoughts

The Marriott Bonvoy Boundless Credit Card card is one of the better hotel cards on the market thanks to its generous welcome bonus and annual free night certificate. Keep in mind that you are not eligible to receive this bonus if you have received a bonus on another Marriott Bonvoy branded credit card in the last 24 months.

17x

Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.

3x

Earn 3X Bonvoy points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.

2x

Earn 2 bonus points per $1 on everything else.

Earn 30,000 Bonus Points after you spend $1,000 on purchases in the first 3 months from account opening.
Our Thoughts

A no-fee Marriott Bonvoy card good for budget-conscious travelers looking to earn Bonvoy points. You'll earn an impressive 14X points for every $1 spent on hotels participating in Marriott Bonvoy®. While that isn't as high as the Marriott Bonvoy Boundless® Credit Card, which earns 17X in that category, the Marriott Bonvoy Bold® Credit Card gets you close to the same earnings without an annual fee.

14x

Earn up to 14X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Bold® Card.

1x

Earn 1x Bonvoy points on all other purchases

Annual Fee: $69

Limited-time offer: earn Companion Pass® good through 2/28/25 plus 30,000 points after you spend $4,000 on purchases in the first 3 months from account opening
Our Thoughts

The Southwest Plus Card is one of three personal Southwest credit cards offered by Chase. This one has the lowest annual fee of the three options. Note that you can only get one of the three at a time, and are only eligible for the bonus if you have not had another Southwest personal card bonus in the last 24 months.

2x

Earn 2X points on Southwest® purchases.

2x

Earn 2X points on local transit and commuting, including rideshare.

2x

Earn 2X points on internet, cable, and phone services; select streaming.

1x

Earn 1x points on all other purchases

Annual Fee: $99

Limited-time offer: earn Companion Pass® good through 2/28/25 plus 30,000 points after you spend $4,000 on purchases in the first 3 months from account opening
Our Thoughts

The Southwest Premier Card is one of three personal Southwest credit cards offered by Chase. This card is the mid-level one in terms of the annual fee. Note that you can only get one of the three at a time, and are only eligible for the bonus if you have not had another Southwest personal card bonus in the last 24 months.

3x

Earn 3x points on all Southwest® purchases

2x

Earn 2X points on local transit and commuting, including rideshare.

2x

Earn 2X points on internet, cable, and phone services; select streaming.

1x

Earn 1x points on all other purchases

Annual Fee: $149

Limited-time offer: earn Companion Pass® good through 2/28/25 plus 30,000 points after you spend $4,000 on purchases in the first 3 months from account opening
Our Thoughts

The Southwest Priority Card is one of three personal Southwest credit cards offered by Chase. Note that you can only get one of the three at a time, and are only eligible for the bonus if you have not had another Southwest personal card bonus in the last 24 months.

3x

Earn 3x points on all Southwest® purchases

2x

Earn 2X points on local transit and commuting, including rideshare.

2x

Earn 2X points on internet, cable, and phone services; select streaming.

1x

Earn 1x points on all other purchases

Annual Fee: $95

Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening.
Our Thoughts

A typical airline co-brand card, but with a twist. Aer Lingus is an international carrier so the perks of this card won't be all that valuable to most U.S. residents. Note that the Avios used on this card can also be easily redeemed with British Airways and Iberia.

3x

Earn 3 Avios per $1 spent on purchases with Aer Lingus, British Airways, Iberia, and LEVEL

2x

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.

1x

Earn 1 Avios per $1 spent on all other purchases.

Annual Fee: $95

Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening.
Our Thoughts

The play with British Airways miles is to use them for short distance flights on American Airlines and other OneWorld carriers. British Airways uses a distance-based award chart, meaning you can find some flights for as little as 7,500 miles each way.

3x

Earn 3 Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and LEVEL.

2x

Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel.

1x

Earn 1 Avios for every $1 spent on everything else.

Annual Fee: $95

Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening.
Our Thoughts

This would be a typical airline co-brand card but the catch here is that it is associated with a foreign airline, so most people won't be able to take advantage of the usual perks such as free checked bags or priority boarding. Still worth grabbing at least for the bonus but the long term value might not stack up against other similar cards.

3x

Earn 3 Avios per $1 spent on purchases with Iberia, British Airways, Aer Lingus, and LEVEL.

2x

Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel.

1x

Earn 1 Avios per $1 spent on all other purchases.

Chase Business Cards

Annual Fee: $95

Earn 100,000 Chase Ultimate Rewards Points after you spend $8,000 on purchases in the first 3 months from account opening.
Our Thoughts

Chase Ink Business Preferred® Credit Card earns the exact same Chase Ultimate Rewards points as the Chase Sapphire Preferred® Card and the Chase Sapphire Reserve®. It comes with a 100,000 point bonus, the highest of all the UR cards. Ink Preferred is a business card, but you don’t need to own a “traditional business” to qualify for the card.

3x

Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, and on advertising purchases made with social media sites and search engines each account anniversary year.

1x

Earn 1 point per $1 on all other purchases, with no limit.

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Our Thoughts

Ink Business Cash comes with a signup bonus that is marketed as “cash back”. Note that if you have another Chase Ultimate Rewards card you can combine these points to be used for travel.

5%

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.

2%

Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.

1%

Earn 1% cash back on all other purchases, with no limit on how much you can earn

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Our Thoughts

Like the Ink Business Cash® Credit Card, the Ink Business Unlimited comes with a welcome bonus that is marketed as “cash back”. These points can be used for higher value travel redemptions if you have another Chase Ultimate Rewards card.

1.5%

Earn unlimited 1.5% cash back on every purchase

Annual Fee: $195

Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
Our Thoughts

A cash back business card from Chase provides you the opportunity to earn cash back.

5%

Earn unlimited 5% cash back on travel purchased through Chase Travel℠

2.5%

Earn unlimited 2.5% cash back on purchases of $5,000 or more

2%

Earn 2% cash back on all other business purchases

Annual Fee: $99

Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening.
Our Thoughts

If you frequently stay at IHG properties, this IHG Business card could be a great fit for you. It has a very reasonable annual fee of $99 and comes with valuable benefits, such as elite status and anniversary free night.

10x

Earn 10 points per $1 spent on purchases at IHG properties

5x

Earn 5 points per $1 spent on purchases on travel, hotels (non-IHG), gas stations, dining, social media and search engine advertising and office supply stores

3x

Earn 3 points per $1 spent on all other purchases

Annual Fee: $199

Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
Our Thoughts

The Southwest Rapid Rewards Performance Business card is a great grab for anyone who can qualify. Note that this card does not currently exclude Southwest® Rapid Rewards® Premier Business Credit Card holders from getting it.

4x

Earn 4X points on Southwest® purchases.

3x

Earn 3X points on Rapid Rewards® hotel and car rental partners.

2x

Earn 2X points on social media and search engine advertising, internet, cable, and phone services and rideshare.

1x

1X points on all other purchases.

Annual Fee: $99

Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open
Our Thoughts

An excellent choice for business owners who frequently travel on Southwest. This card is often paired with one of the personal Southwest cards to earn the coveted Southwest Companion Pass.

3x

Earn 3X points on Southwest Airlines® purchases.

2x

Earn 2X points on Rapid Rewards® hotel and car rental partners and rideshare

1x

Earn 1x points on all other purchases

Annual Fee: $99

Earn 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
Our Thoughts

Overall a good option for business owners who are loyal to United Airlines thanks to a reasonable annual fee and great perks.

2x

2 miles per $1 spent on United purchases, dining including eligible delivery services, at gas stations, and office supply stores

2x

2 miles per $1 spent on local transit and commuting

1x

1 mile per $1 on everything else

Annual Fee: $199

Earn 60,000 points after spending $5,000 on purchases within the first three months from account opening. Additionally, earn 15K Bonus Points after you spend $12,000 in the first 6 months.
Our Thoughts

The Hyatt business credit card makes it debut, and allows business owners to earn a great return on their business spend, as well as a slightly easier path to earning Hyatt elite status. A unique feature of this card is the adaptive earning rate - you'll earn 2 Hyatt points per dollar of spend for your top three of eight spending categories each calendar quarter through Dec. 31, 2024, and top two of eight spending categories after that

9x

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

2x

Earn 2X points per $1 spent in your top three spend categories each quarter through 12/31/24, then your top two categories each quarter.

Eligible categories are:
- Dining
- Shipping
- Airline tickets when purchases directly with the airline
- Local transit & commuting
- Social media & search engine Advertising
- Car rental agencies
- Gas Stations
- Internet, cable & phone services

2x

Fitness clubs and gym memberships

1x

Earn 1x point per dollar on all other spend.

U.S. Bank

U.S. Bank Personal Cards

U.S. Bank Altitude® Go Visa Signature® Card
Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more.
Our Thoughts

A pretty basic no-fee card from U.S. Bank that earns points that can be used for cash back, gift cards, travel, and more.

4x

points on dining, takeout and restaurant delivery

2x

points on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more!

2x

points at grocery stores, grocery delivery, gas stations, and EV charging stations

1x

cash back on all other eligible net purchases

U.S. Bank Cash+ Card
U.S. Bank Cash+® Visa Signature® Card
$200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
Our Thoughts

A pretty good no annual fee travel card from U.S. Bank, the U.S. Bank Cash+™ Visa Signature® Card comes with a signup bonus that is worth $200 toward travel. This card offers 5% cash back on the first $2,000 in combined eligible purchases each quarter on two categories you choose.

5%

cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose.

5%

cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center.

2%

cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants.

1%

cash back on all other eligible purchases.

U.S. Bank Visa® Platinum Card
0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 19.49% - 29.49%.
Our Thoughts

A very simple 0% APR card from U.S. Bank

USBankBizLeverageVisa

Annual Fee: $95

Rates & Fees
Earn $750 in rewards when you spend $7,500 in eligible purchases on the account owners' card within the first 120 days of opening your account.
Our Thoughts

This is a business card from U.S. Bank that provides decent rewards for a modest $95 annual fee (annual fee is waived for the first year).

You'll earn 2% back spend on purchases that are made in your top two categories of spend each month, and 1% back on all other purchases.

5%

Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.

2%

Earn 2% back that you spend on purchases made in the top two categories (from a list of 48) where your business spends the most.

1%

Earn 1% back on all of your other eligible purchases.

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Sarah Page Maxwell is a miles aficionado and avid traveler, born in Virginia, raised in North Carolina, and currently based in Buenos Aires, Argentina. She has earned and redeemed millions of miles for herself and others.

Advertiser Disclosure

Some of the credit card offers that appear on this site are from credit card companies from which MileValue.com receives compensation if you are approved. Compensation impacts banner placement, but does not impact the articles posted on MileValue.com. This site does not include all credit card offers available in the marketplace.

Editorial Note

Content is not provided or commissioned by credit card issuers. Opinions expressed here are author’s alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers.