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Top Recommended Credit Card Offers From Our Partners

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By Brad Barrett and Ed Tee, resident travel nerds at ChooseFI

Here are the top credit card picks from ChooseFI, which offers a FREE travel course that is the fastest and easiest way to earn travel rewards and travel better. Join the course here or start reading below to immediately find and apply for the cards that are right for you. 

Recently Increased, New or Limited Time Bonuses

  • Capital One Venture Rewards Credit Card: up to 100,000 miles. Click for details
  • Chase Sapphire Preferred® Card: 60,000 points. Click for details
  • Chase Freedom Unlimited®: 5% cash back on the first $12,000 spent at grocery stores (not Target or Walmart) during your first year. Click for details
  • Blue Cash Preferred® Card from American Express: $300 statement credit after $3,000 spent in the first 6 months and waived annual fee for the first year (for a limited time through 12/10/2020). Click for details
  • Blue Cash Everyday® Card from American Express: Earn 20% back on purchases at Amazon.com on the card in the first six months, up to $200 back. Plus, earn $100 back after you spend $1,000 in purchases on your new card within that same time frame. Click for details
  • Marriott Bonvoy Boundless™ Credit Card: 75,000 bonus points. Click for details

Top Recommended Cards

Featured Cards:

Chase Sapphire Preferred® Card

Rake in 60,000 Chase Ultimate Rewards® points after you spend $4,000 in the first three months. Those points are worth as much as $750 in travel if you redeem through the Chase Ultimate Rewards® portal. Or transfer them to one of Chase's airline or hotel partners for even more value.

Annual Fee: $95

Analysis: This is the best offer we’ve ever seen on the Chase Sapphire Preferred® Card, which we rate as the #1 travel rewards credit card.

Credit needed: Excellent, Good

EDITOR'S NOTE:

Already have the Chase Sapphire Preferred® Card in your wallet? How about adding a different travel rewards card, this one with airport lounge access, an annual travel reimbursement on a pre-selected airline and the opportunity to earn a bonus of 60,000 Membership Rewards® points after spending $5,000 in the first three months of card membership? Consider adding the The Platinum Card® from American Express to your wallet. (See Rates and Fees. American Express is a CardRatings advertiser).


Ink Business Cash® Credit Card

Bonus: Earn $750 bonus cash back when you spend $7,500 in the first 3 months.

$0 annual fee

Analysis: The Ultimate Rewards® from the Ink Business Cash® Credit Card are transferable to any other Chase card that is part of the Ultimate Rewards® program, meaning that your points could be worth more or could be combined with points earned on your other cards in order to increase your rewards redemption opportunities.

Credit needed: Excellent, Good


Capital One SavorOne Cash Rewards Credit Card

Capital One SavorOne Cash Rewards Credit Card

Bonus: Earn a  $200 cash bonus after spending just $500 in the first three months.

Annual Fee: $0 annual fee and no foreign transaction fees.

Analysis: You can think of this card as the little sibling of the Capital One® Savor® Cash Rewards Credit Card. It has a similar focus on food, but a slightly lower earning rate, a lower bonus offer and no annual fee. You earn 3% cash back on dining and entertainment, 2% at grocery stores and 1% on everything else. If you want to dip your toe into the world of cash-back rewards but aren’t ready for an annual fee, this could be a great option for you.


Ink Business Preferred® Credit Card

Before Chase launched this business credit card, it talked to small business owners about what they needed in a card. Much of what Chase learned made its way into the card– that research and the resulting features make this card worth taking a long look at.

New cardholders earn 100,000 Chase Ultimate Rewards® points after spending $15,000 in the first three months. The rewards opportunities remain lucrative: Earn three points per $1 on up to $150,000 spent in select business categories each year (as determined by your account anniversary) including travel and shipping, among others. After meeting the cap, and on all your other purchases, you earn one point per $1 spent. Annual Fee is $95

Among several other appealing features is cell phone protection for the primary number as well as all your employee phones on the same account (as long as you pay your bill on the card).

Credit needed: Excellent, Good


Transferable Points Cards

Chase

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Rake in 60,000 Chase Ultimate Rewards® points after you spend $4,000 in the first three months. Those points are worth as much as $750 in travel if you redeem through the Chase Ultimate Rewards® portal. Or transfer them to one of Chase's airline or hotel partners for even more value.

Annual Fee: $95

Analysis: This is the best offer we’ve ever seen on the Chase Sapphire Preferred® Card, which we rate as the #1 travel rewards credit card.

Credit needed: Excellent, Good


Chase Sapphire Reserve®

Chase Sapphire Reserve®

Bonus: Receive 50,000 bonus Ultimate Rewards® points after spending $4,000 in the first three months. All your points are worth 50% more when you redeem them for travel, so those 50,000 bonus points are worth up to $750 in travel.

$550 annual fee; an additional $75 each authorized user.

Analysis: This luxury card made quite a splash when it debuted in 2016. While the annual fee is hefty, you get a lot for the money.

Take advantage of up to a $300 reimbursement each account anniversary year for travel expenses like airfare or hotel stays charged to your card, access to more than 1,000 airport lounges worldwide, a chance to earn three points per $1 spent on dining and travel that isn't eligible for the annual travel reimbursement and one point per $1 on everything else, and a number of other luxury perks and benefits. Plus, remember that those points are worth 50% more if you redeem them for travel. This card was named "Best Premium Travel Credit Card" for 2018 by MONEY® Magazine. Credit needed: Excellent


Chase Freedom Flex℠

Chase Freedom Flex℠

Bonus:  Earn a $200 bonus after spending $500 with your card in the first three months. You can also earn 5% cash back on grocery store purchases (excluding Target® and Walmart®) for the first $12,000 spent during your first year as a cardholder.

$0 annual fee.

Analysis:  Earn 5% cash back on travel purchased through the Chase Ultimate Rewards® portal, 5% cash back on up to $1,500 spent in categories that rotate quarterly (activation is required each quarter), 3% cash back at restaurants, including takeout and delivery, 3% cash back on drugstore purchases and 1% cash back on all other eligible purchases. Credit needed: Excellent, Good


Chase Freedom Unlimited®

Chase Freedom Unlimited®

Bonus: Earn a $200 bonus after you spend $500 on purchases in your first three months from account opening. Earn 5% cash back on grocery store (excluding Target and Walmart) purchases up to $12,000 spent in your first year.

$0 annual fee.

Analysis: Lots of opportunities to rack up rewards here with 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% cash back at restaurants and drugstores and 1.5% cash back on your other purchases. The Ultimate Rewards® from the Chase Freedom Unlimited® are transferable to other Chase Ultimate Rewards® cards so you can combine them with points earned with a Chase Sapphire Preferred® Card, Chase Freedom® or other participant card which will, in some cases, make those points more valuable. Credit needed: Excellent, Good

EDITOR'S NOTE:

Chase offers a number of small business credit cards that are transferable points cards working on the Ultimate Rewards® points system. They are discussed in the Small Business Credit Cards section below.


American Express

The Platinum Card® from American Express

The Platinum Card® from American Express

Welcome Offer: Earn 75,000 Membership Rewards® bonus points when you spend $5,000 in the first six months. Plus, earn 10x the points on up to $15,000 spent at U.S. gas stations and U.S. supermarkets during your first six months.

$550 annual fee not waived. See Rates and Fees

Analysis: The annual fee is significant, though you can significantly offset that with a $200 airline fee credit each year with a pre-selected airline plus other annual credits and savings. Credit needed: Good, Excellent

See Rates and Fees


American Express® Gold Card

American Express® Gold Card

Welcome Offer: Earn 60,000 Membership Rewards® Points after spending $4,000 on eligible purchases with your new Card within the first six months. Earn 4X Membership Rewards® points at restaurants worldwide. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X). Earn 3X Membership Rewards points® on flights booked directly with airlines or on amextravel.com.  

Then you can earn up to $10 in statement credits monthly when you pay with The Gold Card at Grubhub, Seamless, The Cheesecake Factory, Boxed, Ruth's Chris Steak House and participating Shake Shack locations. This is an annual savings of up to $120. Enrollment required. 

There is also up to $100 in statement credits per calendar year for incidental fees at one pre-selected qualifying airline. (Please note, this offer expires in 2021.)  

$250 annual fee. See Rates and Fees

Analysis: This card has undergone a complete overhaul. If the new features work for you, it could be a fantastic card to have in your wallet. Credit needed: Good, Excellent

See Rates and Fees

EDITOR'S NOTE

American Express offers a number of transferable points small business cards that utilize the Membership Rewards® system. We discuss those below in the Small Business Credit Cards section.

Capital One

No one could blame you for being surprised to see the cards below under "Transferable Points." For a long time, that's what these cards were – and they still offer tremendous value if used that way! However, Capital One has introduced travel partners (ie. transferable points options) for the Venture and VentureOne cards, which means they now offer value in this way as well.

Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card

Welcome offer: 100,000 Venture miles when you spend $20,000 in the first 12 months. Or, you can still earn just 50,000 miles when you spend $3,000 within your first 3 months.

50,000 miles (plus the 6,000 you'll earn at the regular reward rate for spending $3,000 (2 miles per $1)) = 56,000 worth $560 of statement credits for completely flexible travel, and that's if you only hit the minimum bonus opportunity. If you spend $20,000 in the first 12 months to earn 100,000 miles total, you'll actually have earned 140,000 miles ($20,000 x 2 miles per $1 spent + 100,000 miles = 140,000 miles worth $1,400 in statement credits for your travel plans. 

Analysis: This welcome offer is eye-popping, but we don't know how long it will last. Don't miss it! Remember, you can transfer your miles to over 10 leading travel loyalty programs or use the Purchase Eraser to redeem them to cover travel expenses you've put on your card. Credit needed: Excellent, Good


Capital One VentureOne Rewards Credit Card

Capital One VentureOne Rewards Credit Card

Welcome offer: 20,000 Venture miles when you spend $500 in the first 3 months. You earn 1.25 miles on your everyday purchases. There is no annual fee on this card.

20,000 miles = $200 of statement credits for completely flexible travel.

Analysis: This welcome offer has held steady for many months with no indication this will increase. Credit needed: Excellent, Good


Citibank

Citi Premier® Card

Citi Premier® Card

(Citi is a CardRatings.com advertiser)

Bonus: Receive 60,000 bonus ThankYou® points after you spend $4,000 in the first three months of account opening.

Annual fee: $95

Analysis: When it comes to ongoing rewards, you’ll earn three times the points on at restaurants and supermarkets as well as at gas stations, hotels and on air travel, and one point per $1 spent on your other purchases. Furthermore, points are transferable to a number of airline loyalty programs. Overall, this is a solid travel rewards card that has just gotten better thanks to some recent updates and offers.


Citi Rewards+ Card

Citi Rewards+<sup>℠</sup> Card

Bonus: Earn 15,000 bonus ThankYou® points after making $1,000 in purchases within the first three months.

$0 annual fee

Analysis: This is an interesting card in that Citi rounds the rewards for each purchase you make up to the nearest 10 points. That means your $4 coffee is worth 10 ThankYou® points. You earn two points per $1 spent at supermarkets and gas stations up $6,000 spent in a year and one point per $1 spent on everything else. Remember, though, that all your purchases' rewards round to the nearest 10 points. Also, you'll receive 10% of your points back for the first 100,000 points you redeem in a year.


Fixed Value Travel Credit Cards/General Travel Rewards

Wells Fargo Propel American Express® card

Wells Fargo Propel American Express® card

(This card is not currently available on CardRatings)

Bonus: Earn 20,000 bonus points – valued at $200 in cash redemption – after you spend $1,000 in the first three months.

Annual fee: $0

Analysis: When Wells Fargo relaunched this card it did so with some nice added rewards opportunities, including three points per $1 spent on dining out and ordering in; travel, which includes airfare, hotels, homestays and car rentals; transportation-related purchases like those at gas stations, for rideshares and for transit; and on popular streaming services. You also earn one point per $1 on your other purchases. The best part? That three points per $1 rate is usually reserved for cards with annual fees and this Wells Fargo card charges none.

Additional perks include an introductory 0% APR period for 12 months on purchases and balance transfers (then, 14.49%-24.99% Variable) as well as up to $600 in cell phone protection against covered damage and theft if you pay your monthly cellular bill on the card. Note that balance transfer fees apply and transfers made within 120 days qualify.


Cash-Back Credit Cards

Capital One® Savor® Cash Rewards Credit Card

Capital One® Savor® Cash Rewards Credit Card

(This card is not currently available on CardRatings)

Bonus: $300 cash back after you spend $3,000 in the first three months.

Annual Fee: $0 intro for first year; $95 after that. No foreign transaction fees.

Analysis: Capital One seemed to have food lovers in mind with this card as it rewards you with 4% cash back on dining and entertainment as well as 2% cash back at grocery stores and 1% on everything else. Plus, that cash-back bonus is a nice appetizer to your ongoing rewards.


Wells Fargo Cash Wise Visa® card

Wells Fargo Cash Wise Visa® card

(This card is not currently available on CardRatings)

Bonus: New cardholders earn a $150 cash rewards bonus after spending just $500 in purchases in the first three months. 

Annual fee: $0

Analysis: This is a flat-rate (ie. simple to understand and use) cash-back rewards card that doesn't burden you with an annual fee. You'll earn 1.5% cash back on every purchase, no matter the category or how much you spend. And, if you're the digital wallet type, you'll appreciate that you can earn 1.8% cash back on your qualifying digital wallet purchases – think, Apple Pay® and Google Pay™ – for the first 12 months you're a card member. This card also comes with the up to $600 in cell phone protection against covered damage and theft if you pay your monthly cellular bill on the card.


Capital One Quicksilver Cash Rewards Credit Card

Capital One Quicksilver Cash Rewards Credit Card

Welcome offer: Earn $200 cash back when you spend $500 on purchases in the first 3 months after account approval. Enjoy an intro 15 months no interest on purchases (then, 15.49% - 25.49% (Variable)).

$0 annual fee

Analysis: Unlimited 1.5% cash back makes this an attractive card for everyday spending and the $150 welcome offer when you reach the minimum spend is an added bonus. Credit needed: Excellent, Good

Learn More


Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

Welcome Offer: For a limited time, earn $300 back as a statement credit after you make $3,000 in purchases on your new card in the first six months (offer expires 12/10/20).

Analysis: Solid cash back card with some appealing bonus categories: 6% at U.S. supermarkets (up to $6,000 spent per year, then 1%) and on select U.S. streaming subscriptions; 3% at U.S. gas stations and on transit including taxis/rideshares, bus and train fares, parking, tolls and more; and 1% cash back on other purchases. 

Limited time offer: $0 introductory annual fee for one year, then $95 annual fee (offer expires 12/10/20).

Credit needed: Good, Excellent

See Rates and Fees


Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

Welcome Offer: Earn 20% back on purchases at Amazon.com on the card in the first six months, up to $200 back. Plus, earn $100 back after you spend $1,000 in purchases on your new card within that same time frame.

Analysis: Solid cash back card with some appealing bonus categories: 3% at U.S. supermarkets (up to $6,000 spent per year, then 1%); 2% at U.S. gas stations and at select U.S. department stores; and 1% cash back on other purchases.

There's no annual fee to worry about

Credit needed: Good, Excellent

See Rates and Fees


Citi® Double Cash Card - 18 month BT offer

Citi<sup>®</sup> Double Cash Card - 18 month BT offer

(Citi is a CardRatings.com advertiser)

Analysis: Unlimited 2% cash back (1% when you buy, another 1% when you pay) with no annual fee makes this card a real winner! Note that you must make the minimum payment on time to earn cash back. This card also offers an intro 0% APR on balance transfers the first 18 months (then, 13.99% – 23.99% (Variable)). This card basically rewards your good financial habits, so it's one worth having in your wallet. 

$0 annual fee. Credit needed: Excellent


Small Business Credit Cards

Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card

Before Chase launched this business credit card, it talked to small business owners about what they needed in a card. Much of what Chase learned made its way into the card– that research and the resulting features make this card worth taking a long look at.

New cardholders earn 100,000 Chase Ultimate Rewards® points after spending $15,000 in the first three months. The rewards opportunities remain lucrative: Earn three points per $1 on up to $150,000 spent in select business categories each year (as determined by your account anniversary) including travel and shipping, among others. After meeting the cap, and on all your other purchases, you earn one point per $1 spent. Annual Fee is $95

Among several other appealing features is cell phone protection for the primary number as well as all your employee phones on the same account (as long as you pay your bill on the card). Credit needed: Excellent, Good


Ink Business Unlimited® Credit Card

Ink Business Unlimited® Credit Card

The newest member of the Ink family can really be viewed as a no-annual-fee complement to the Ink Business Preferred® Credit Card since it's a flat-rate cash-back rewards card that can be used to earn 1.5% cash back on all your purchases that don't earn higher cash back with the Ink Business Preferred® Credit Card.

As a welcome offer, new cardholders will earn $750 cash back after you spend $7,500 in the first three months of card membership. Additionally, you can take advantage of an introductory 12 months zero interest on purchases (then, 13.24% - 19.24% Variable). And, remember, you'll earn an unlimited 1.5% cash back on every purchase.

Credit needed: Excellent, Good

Annual Fee: $0


American Express® Business Gold Card

American Express® Business Gold Card

Welcome offer:  Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases within the first three months of opening an account.

More Rewards: Earn 4x Membership Rewards® points on the two select categories where your business spent the most each month. (4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.)

Annual fee: $295

Analysis: This card has some interesting benefits. A flexible payment option can help manage cash flow on purchases of $100 or more.* There is also an airline bonus that you get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*  

Credit needed: Good, Excellent

See Rates and Fees


The Business Platinum Card® from American Express

The Business Platinum Card® from American Express

Welcome Offer: Earn 75,000 Membership Rewards® bonus points after you spend $15,000 on purchases in the first 3 months. 

Rewards: Get 5X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com. Earn an extra half-point (so, 1.5 points) per $1 on purchases of more than $5,000, and earn one point per $1 on everything else. 

Annual fee: $595.

Analysis: The $595 annual fee is significant. But, Amex is giving you 35% of your points back when you Pay with Points for flights paid for through American Express Travel (you must select one airline for economy bookings, but you get 35% back on ALL business and first class flights booked via Pay with Points through Amex Travel, up to 500,000 points back annually). Credit needed: Good, Excellent

See Rates and Fees


The Blue Business® Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American Express

Welcome Offer: There's no traditional bonus, but you can enjoy an introductory 0% interest on purchases for 12 months from account opening (then, 13.24% - 19.24% Variable).

No annual fee

Analysis: One of the best no-annual-fee cash-back cards for business. Its simple earn structure of 2 points per $1 on your first $50,000 spent annually and 1 point per $1 on your purchases after that is a no-brainer. Plus, you can spend above your credit limit and still collect points on those purchases (the amount you can spend above your limit is not unlimited; it is based on several factors including your payment history, credit history, etc.)

Credit needed: Good, Excellent

See Rates and Fees


American Express Blue Business Cash™ Card

American Express Blue Business Cash™ Card

Welcome Offer: Theres no traditional bonus, but new cardholders enjoy an introductory 12 months of no interest on purchases (then, 13.24% - 19.24% Variable). 

Annual fee: No annual fee

Analysis: The introductory 0% APR period could be just what your business needs to get off the ground or take your next big step. And easy-to-understand cash-back rewards earning of 2% on all your purchases up to $50,000 spent in a calendar year (then 1%) make this an attractive card option.

Credit needed: Good, Excellent

See Rates and Fees


Capital One® Spark® Cash for Business

Capital One® Spark® Cash for Business

(This card is not currently available on CardRatings)

Welcome offer: Earn a one-time $500 cash bonus once you spend $4,500 on purchases within three months from account opening.

Annual fee: $0 intro for first year; $95 after that.

Analysis: This is a great welcome offer. Now is a good time to apply if it fits within your plans. Credit needed: Excellent, Good


Capital One® Spark® Miles for Business

(This card is not currently available on CardRatings)

Capital One® Spark® Miles for Business

(This card is not currently available on CardRatings)

Welcome offer: Earn a one-time bonus of 50,000 miles - equal to $500 in travel - once you spend $4,500 on purchases within the first three months from account opening.

Annual fee: $0 intro for first year; $95 after that

Analysis: This is an excellent welcome offer, but we have seen it go higher. You could apply now and still know you're getting a great bonus opportunity or wait and hope a higher one comes along. Credit needed: Excellent, Good


Delta SkyMiles® Gold Business American Express Card

Delta SkyMiles® Gold Business American Express Card

Welcome Offer: Earn 40,000 bonus miles after spending $2,000 in purchases on your new card in the first three months.

$0 introductory annual fee for the first year, then $99

Analysis: This is an solid offer for this card, but we've seen higher. You might want to consider waiting to apply if that fits in your plans. Credit needed: Good, Excellent

See Rates and Fees


Delta SkyMiles® Platinum Business American Express Card

Delta SkyMiles® Platinum Business American Express Card

Welcome Offer: Earn 45,000 bonus miles and 5,000 Medallion® Qualification Miles when you spend $3,000 in the first three months and receive a $100 statement credit when you make your first Delta purchase withing the first three months.

Annual fee:$250

Analysis: This is a solid offer for this card, but we've seen higher. You might want to consider waiting to apply if that fits in your plans. Credit needed: Good, Excellent

See Rates and Fees


CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

CitiBusiness<sup>®</sup> / AAdvantage<sup>®</sup> Platinum Select<sup>®</sup> Mastercard<sup>®</sup>

(Citi is a CardRatings.com advertiser)

Bonus: Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.

Annual fee: $99, waived for first 12 months

Analysis: This is a decent bonus on this card, so consider applying now if you're in the market for a new card. Credit needed: Excellent


Southwest Rapid Rewards® Premier Business Credit Card

Southwest Rapid Rewards® Premier Business Credit Card

Bonus: 60,000 points after you spend $3,000 in the first 3 months.

$99 annual fee, not waived the first year.

Analysis: 60,000-point bonus is the top offer we’ve seen on this card. These points are among the easiest to redeem as Southwest doesn’t have any blackout dates! This is a great card for domestic business travel and travel in the U.S. generally. Credit needed: Excellent, Good


Southwest Rapid Rewards® Performance Business Credit Card

Southwest Rapid Rewards® Performance Business Credit Card

Bonus: Earn 70,000 points after you spend $5,000 on purchases in the first three months. Plus, earn an additional 30,000 points after you spend $25,000 on purchases in the first six months.

$199 annual fee, not waived the first year.

Analysis: The welcome bonus is an excellent jump start to your earning and will put you within easy reach of earning a coveted Companion Pass for the year (you must accumulate 125,000 points to earn the pass).

You have a good opportunity to earn those additional points you need thanks to the ongoing rewards-earning rate of 3 points per $1 spent on Southwest purchases; 2 points per $1 on social media and search engine advertising and internet, cable and phone services; and 1 point per $1 on everything else. Additional perks include a Global Entry or TSA Pre✓™ application fee credit every four years, in-flight WiFi credits and 9,000 bonus points each year after your account anniversary. Credit needed: Excellent, Good


United℠ Business Card

United℠ Business Card

Bonus: Earn 60,000 bonus miles after qualifying purchases and save with an intro $0 annual fee.

$0 intro annual fee for the first year, then $99 annual fee.

Analysis: This is a nice bonus for this card, but we have seen higher.

Credit Needed: Good, Excellent


Marriott Bonvoy Business™ American Express® Card

Marriott Bonvoy Business™ American Express® Card

Welcome Offer: For a limited time, earn 100,000 bonus Marriott Bonvoy points after making $5,000 in purchases on your new card within the first three months. Earn up to $150 in statement credits during the first six months for purchases of U.S. advertising with select media. Additionally, enjoy Platinum Elite status for one year (Feb. 1, 2021-Jan. 31, 2022). Offer ends Jan. 13, 2021.

Annual fee: $125.

Analysis: The melding of the SPG, Marriott and Ritz-Carlton rewards programs has reached the brands' credit cards. Frequent business guests of Marriott, Starwood or Ritz-Carlton properties will certainly appreciate the opportunity to earn six times the points at participating Marriott Bonvoy hotels as well as four times the points at U.S. restaurants, U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. All your other purchases earn two points per $1 spent. Enjoy a complimentary night stay (up to a 35,000-point value) each year after your account anniversary. Plus, earn an additional Free Night Award after you spend $60,000 in purchases on your card in a calendar year. 

See Rates and Fees


The Hilton Honors American Express Business Card

The Hilton Honors American Express Business Card

Welcome Offer: Earn 130,000 bonus points after you spend $3,000 in the first three months.

Annual fee: $95.

Analysis: You have an opportunity to earn up to two weekend nights with this card – earn your first night after spending $15,000 on the card in a calendar year and earn a second night after spending an additional $45,000 in the same calendar year. That perk is in addition to your everyday rewards earning power of 12 Hilton Honors bonus points per $1 spent directly with participating properties within the Hilton portfolio, six points per $1 spent on select business and travel purchases and three points per $1 everywhere else. As if all that wasn't enough for the modest annual fee, you'll also receive 10 airport lounge visits each year after you enroll in a complimentary Priority Pass™ Select membership.  

See Rates and Fees


Airline Rewards Credit Cards

Consumer

Southwest Rapid Rewards® Premier Credit Card

Southwest Rapid Rewards® Premier Credit Card

Bonus: Earn 80,000 points – earn 50,000 after you spend $2,000 on purchases in the first three months your account is open and then an additional 30,000 points after spending $10,000 within the first nine months. You'll also earn 5 points per $1 on up to $2,000 spent on Southwest purchases each month from Dec. 1, 2020 to March 31, 2021. Plus, you'll receive 6,000 bonus points each year after your cardholder anniversary.

$99 annual fee.

Analysis: These points are among the easiest to redeem as Southwest doesn’t have any blackout dates or seat restrictions! This is a great card for family travel and travel in the U.S. generally. And this is an excellent bonus to take advantage of. Credit needed: Excellent, Good


Southwest Rapid Rewards® Plus Credit Card

Southwest Rapid Rewards® Plus Credit Card

Bonus: Earn 80,000 points – earn 50,000 after you spend $2,000 on purchases in the first three months your account is open and then an additional 30,000 points after spending $10,000 within the first nine months. You'll also earn 5 points per $1 on up to $2,000 spent on Southwest purchases each month from Dec. 1, 2020 to March 31, 2021. Plus, you will receive 3,000 bonus points each year after your account anniversary.

$69 annual fee.

Analysis: Once again, these points are among the easiest to redeem as Southwest doesn’t have any blackout dates! There are no seat restrictions either. This is a great card for family travel and travel in the U.S. generally. Credit needed: Excellent, Good


United℠ Explorer Card

United℠ Explorer Card

Bonus: Earn up to 70,000 bonus miles. Earn 60,000 after you spend $3,000 on purchases in the first three months your account is open and earn another 10,000 miles after you spend $6,000 in the first six months.

Annual fee: $0 introductory annual fee for the first year, then $95

Analysis: There is a nice bonus and many additional benefits with this card. For example, earn 2 miles per $1 spent at restaurants and on eligible delivery services like GrubHub, Caviar, Seamless and DoorDash; on hotel accommodations; and on purchases from United. Receive up to $100 Global Entry or TSA Pre✔™ statement fee credit every 4 years as reimbursement for the application fee for either program when charged to your card. Then, get 25% back as a statement credit on purchases of food, beverages and Wi-Fi onboard United-operated flights when you pay with your Explorer Card. Check your first bag for free (a savings of up to $140 per round-trip) when you use your card to purchase your ticket.


British Airways Visa Signature® Card

British Airways Visa Signature® Card

Bonus: Earn up to 100,000 bonus Avios— 50,000 after you spend $3,000 on purchases within the first three months of opening an account, plus an additional 50,000 Avios after you spend $20,000 within your first year. You will also receive 10% off British Airways flights that start in the U.S..

$95 annual fee not waived the first year.

Analysis: In addition to the potential for up to a 100,000 Avios bonus, every calendar year you make $30,000 in purchases on your card you'll earn a Travel Together Ticket good for two years. Furthermore, you earn three Avios per $1 on purchases with British Airways, Aer Lingus, Iberia and LEVEL; two Avios per $1 on hotel accommodations; and one Avios per $1 on everything else.

British Airways Avios are some of the most valuable miles out there for their "sweet spot" redemptions on short-haul flights on American Airlines and Alaska Airlines, so they make up an essential part of any well-rounded travel rewards strategy. Credit needed: Excellent, Good


Delta SkyMiles® Gold American Express Card

Delta SkyMiles® Gold American Express Card

Welcome Offer: Earn 35,000 bonus miles after you spend $1,000 in purchases on your new card in your first three months. Plus, spend $10,000 in purchases on your card in a calendar year and receive a $100 Delta flight credit.

$0 introductory annual fee for the first year, then $99. See Rates and Fees

Analysis: This is a decent offer for this card, but we've seen better.

Credit needed: Good, Excellent

See Rates and Fees


Delta SkyMiles® Platinum American Express Card

Delta SkyMiles® Platinum American Express Card

Welcome Offer: Earn 40,000 bonus miles and 5,000 Medallion Qualification Miles (MQMs) after you spend $2,000 in purchases on your new card in your first three months. Plus, earn a $100 statement credit after you make a Delta purchase with your new card within your first three months.

Annual Fee: $250 

Analysis: This is a good offer on this card.

Credit Needed:Good, Excellent

See Rates and Fees


Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

Citi<sup>®</sup> / AAdvantage<sup>®</sup> Platinum Select<sup>®</sup> World Elite<sup>™</sup> Mastercard<sup>®</sup>

(Citi is a CardRatings.com advertiser)

Bonus: Earn 50,000 American Airlines AAdvantage® bonus miles after making $2,500 in purchases in the first 3 months with your new card. Additionally, you'll earn a $125 American Airlines flight discount each account membership year you spend $20,000 or more on your card and renew it.

Annual Fee: $99, waived for first 12 months.

Analysis: This is a nice bonus for this card, so now could be a good time to apply if that's in your plans. Credit needed: Excellent


American Airlines AAdvantage MileUp Card

American Airlines AAdvantage MileUp<sup>℠</sup> Card

Bonus: Earn 10,000 American Airlines AAdvantage® miles and receive a $50 statement credit after you spend $500 in the first three months of account opening.

Annual Fee: $0

Analysis: This new no-annual-fee airline rewards card is designed for the person who likes a free or reduced cost flight now and then, but doesn't fly enough to offset any kind of annual fee. In addition to earning two miles per $1 spent on American Airlines purchases, you'll also earn two miles per $1 on your grocery store and grocery delivery services purchases, making this a solid choice for your everyday credit card. Credit needed: Excellent

Apply Now


Citi® / AAdvantage® Executive World Elite Mastercard®

Citi<sup>®</sup> / AAdvantage<sup>®</sup> Executive World Elite<sup>™</sup> Mastercard<sup>®</sup>

Bonus: Earn 50,000 AAdvantage® bonus miles after you spend $5,000 in purchases within the first three months of opening your card. $450 annual fee not waived the first year.

Other Noteworthy Benefits: AA Admirals Club® access and up to a $100 statement credit (every 5 years) for Global Entry or TSA Pre✓™ application fees.

$450 annual fee applies.

Analysis: This is a good bonus on this card, so now is a great time to apply if that fits into your plans and budget. Credit needed: Excellent


Hawaiian Airlines® World Elite Mastercard®

Hawaiian Airlines® World Elite Mastercard®

(This card is not currently available on CardRatings)

Bonus: For a limited time, earn 60,000 Hawaiian Airlines miles when you spend $2,000 in the first 90 days. See Rates and Fees

$0 intro annual fee first year, then $99 annual fee applies.

Analysis: This is a higher-than-typical offer on this card, so now would be a good time to apply. Furthermore, the card offers nice rewards-earning opportunities on more than just your Hawaiian Airlines purchases. Earn 3x the miles on Hawaiian Airlines purchases; 2x the miles on gas, dining and grocery store purchases; and 1 mile per $1 spent on everything else.


Business

Southwest Rapid Rewards® Premier Business Credit Card

Southwest Rapid Rewards® Premier Business Credit Card

Bonus: 60,000 points after you spend $3,000 in the first 3 months.

$99 annual fee, not waived the first year.

Analysis: 60,000-point bonus is the top offer we’ve seen on this card. These points are among the easiest to redeem as Southwest doesn’t have any blackout dates! This is a great card for domestic business travel and travel in the U.S. generally. Credit needed: Excellent, Good


Southwest Rapid Rewards® Performance Business Credit Card

Southwest Rapid Rewards® Performance Business Credit Card

Bonus: Earn 70,000 points after you spend $5,000 on purchases in the first three months. Plus, earn an additional 30,000 points after you spend $25,000 on purchases in the first six months.

$199 annual fee, not waived the first year.

Analysis: The welcome bonus is an excellent jump start to your earning and will put you within easy reach of earning a coveted Companion Pass for the year (you must accumulate 125,000 points to earn the pass).

You have a good opportunity to earn those additional points you need thanks to the ongoing rewards-earning rate of 3 points per $1 spent on Southwest purchases; 2 points per $1 on social media and search engine advertising and internet, cable and phone services; and 1 point per $1 on everything else. Additional perks include a Global Entry or TSA Pre✓™ application fee credit every four years, in-flight WiFi credits and 9,000 bonus points each year after your account anniversary. Credit needed: Excellent, Good


United℠ Business Card

United℠ Business Card

Bonus: Earn 60,000 bonus miles after qualifying purchases and save with an intro $0 annual fee.

$0 intro annual fee for the first year, then $99 annual fee.

Analysis: This is a nice bonus for this card, but we have seen higher.

Credit Needed: Good, Excellent


Delta SkyMiles® Gold Business American Express Card

Delta SkyMiles® Gold Business American Express Card

Welcome Offer: Earn 40,000 bonus miles after spending $2,000 in purchases on your new card in the first three months.

$0 introductory annual fee for the first year, then $99

Analysis: This is a solid offer for this card, but we've seen higher. You might want to consider waiting to apply if that fits in your plans. Credit needed: Good, Excellent

See Rates and Fees


Delta SkyMiles® Platinum Business American Express Card

Delta SkyMiles® Platinum Business American Express Card

Welcome Offer: Earn 45,000 bonus miles and 5,000 Medallion® Qualification Miles when you spend $3,000 in the first three months and receivea $100 statement credit when you make your first Delta purchase withing the first three months.

Annual Fee: $250

Analysis: This is a solid offer for this card, but we've seen higher. You might want to consider waiting to apply if that fits in your plans. Credit needed: Good, Excellent

See Rates and Fees


CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

CitiBusiness<sup>®</sup> / AAdvantage<sup>®</sup> Platinum Select<sup>®</sup> Mastercard<sup>®</sup>

(Citi is a CardRatings.com advertiser)

Bonus: Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.

Annual fee: $99, waived for first 12 months

Analysis: This is a decent bonus on this card, so consider applying now if you're in the market for a new card. Credit needed: Excellent


Hotel Rewards Credit Cards

Consumer

Marriott Bonvoy Boundless™ Credit Card

Marriott Bonvoy Boundless™ Credit Card

Bonus: Earn 75,000 bonus points after you spend $3,000 on purchases in the first three months from account opening.

$95 annual fee.

Analysis: You'll be rolling in points in no time since you earn six points per $1 spent at participating Marriott Bonvoy hotels and two points per $1 on everything else. That's a solid everyday earning rate for a branded hotel card.


The World Of Hyatt Credit Card

The World Of Hyatt Credit Card

Bonus: Earn up to 50,000 Bonus Points. Earn 25,000 Bonus Points after you spend $3,000 on purchases in the first three months from account opening, and then an additional 25,000 Bonus Points after you spend a total of $6,000 on purchases within the first six months - free night stays start at 5,000 points. 

Receive a free night certificate for a Category 1-4 Hyatt hotel or resort after each card member anniversary. Get automatic World of Hyatt Elite status for as long as your account is open and 5 qualifying night credits toward your next tier status every year. Earn 2 qualifying night credits towards your next tier status every time you spend $5,000 on your card.

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 you can earn as a World of Hyatt member. Plus, earn 2 Bonus Points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships.

Analysis: Since free nights start as low as 5,000 points per night, the up to 50,000 bonus points could be worth as many as 10 free nights. Additionally, you'll earn an extra free night at a Category 1-4 if you spend at least $15,000 on your card during your anniversary year.

Annual fee: $95

Credit needed: Excellent, Good

Apply Now


IHG® Rewards Club Premier Credit Card

IHG® Rewards Club Premier Credit Card

Bonus: Earn 140,000 bonus points after spending $3,000 on purchases within the first three months of account opening.

$89 annual fee.

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 four or more nights

Analysis: This updated IHG card brings some impressive perks and features to the table, starting with that welcome bonus. In addition, the opportunity to earn reward nights when you redeem rewards as well as after each account anniversary is nice. Earn up to 25 points total per $1 spent when you stay at an IHG hotel. Earn 2X points at gas stations, grocery stores and restaurants and 1 point per $1 on all other purchases.

Credit needed: Excellent, Good


Hilton Honors American Express Surpass® Card

Hilton Honors American Express Surpass® Card

Welcome Offer: Earn 130,000 bonus points after spending $2,000 in the first three months. Also, earn a weekend night stay reward after you spend $15,000 in a calendar year. 

$95. See Rates and Fees

Analysis: Earning a weekend night stay each calendar year after you put at least $15,000 on the card should more than offset the annual fee. Furthermore, you earn 12 Hilton Honors bonus points per $1 spent directly with participating properties within the Hilton portfolio and six points per $1 spent at U.S. restaurants, U.S. supermarkets and U.S. gas stations. All your other purchases net you three points per $1 spent making this an easy card with which to rack up points whether staying close to home or traveling far and wide. 

See Rates and Fees


Business

The Hilton Honors American Express Business Card

The Hilton Honors American Express Business Card

Welcome Offer: Earn 130,000 bonus points after you spend $3,000 in the first three months. 

Annual fee: $95.  See Rates and Fees

Analysis: You have an opportunity to earn up to two weekend nights with this card – earn your first night after spending $15,000 on the card in a calendar year and earn a second night after spending an additional $45,000 in the same calendar year. That perk is in addition to your everyday rewards earning power of 12 Hilton Honors bonus points per $1 spent directly with participating properties within the Hilton portfolio, six points per $1 spent on select business and travel purchases and three points per $1 everywhere else. As if all that wasn't enough for the modest annual fee, you'll also receive 10 airport lounge visits each year after you enroll in a complimentary Priority Pass™ Select membership.  

See Rates and Fees


Marriott Bonvoy Business™ American Express® Card

Marriott Bonvoy Business™ American Express® Card

Welcome Offer: For a limited time, earn 100,000 bonus Marriott Bonvoy points after making $5,000 in purchases on your new card within the first three months. Earn up to $150 in statement credits during the first six months for purchases of U.S. advertising with select media. Additionally, enjoy Platinum Elite status for one year (Feb. 1, 2021-Jan. 31, 2022). Offer ends Jan. 13, 2021.

Annual fee: $125.

Analysis: The melding of the SPG, Marriott and Ritz-Carlton rewards programs has reached the brands' credit cards. Frequent business guests of Marriott, Starwood or Ritz-Carlton properties will certainly appreciate the opportunity to earn six times the points at participating Marriott Bonvoy hotels as well as four times the points at U.S. restaurants, U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. All your other purchases earn two points per $1 spent. Enjoy a complimentary night stay (up to a 35,000-point value) each year after your account anniversary. Plus, earn an additional Free Night Award after you spend $60,000 in purchases on your card in a calendar year. 

See Rates and Fees


Balance Transfer Credit Cards

Citi® Double Cash Card - 18 month BT offer

Citi<sup>®</sup> Double Cash Card - 18 month BT offer

Analysis: This card offers an intro 0% APR on balance transfers for the first 18 months (then, 13.99% – 23.99% (Variable)). You will pay a balance transfer fee of 3% of each balance transfer; $5 minimum.

Unlimited 2% cash back (1% when you buy, another 1% when you pay) with no annual fee makes this card a real winner! Note that you must make the minimum payment on time to earn cash back. This card basically rewards your good financial habits, so it's one worth having in your wallet. 

$0 annual fee. Credit needed: Excellent


Updated, December 2, 2020

For rates and fees of the American Express cards mentioned in this post, please see the following links: American Express® Gold Card (See Rates and Fees); The Amex EveryDay® Credit Card from American Express (See Rates and Fees); American Express® Business Gold Card (See Rates and Fees); The Business Platinum Card® from American Express (See Rates and Fees); The Platinum Card® from American Express (See Rates and Fees); Delta SkyMiles® Gold American Express Card (See Rates and Fees); Delta SkyMiles® Gold Business American Express Card ( See Rates and Fees); Delta SkyMiles® Platinum American Express Card (See Rates and Fees); Delta SkyMiles® Platinum Business American Express Card (See Rates and Fees); American Express Blue Business Cash™ Card (See Rates and Fees); Hilton Honors American Express Surpass® Card (See Rates and Fees); The Hilton Honors American Express Business Card (See Rates and Fees; Marriott Bonvoy Business™ American Express® Card (See Rates and Fees); The Blue Business® Plus Credit Card from American Express (See Rates and Fees); Blue Cash Preferred® Card from American Express (See Rates and Fees); Blue Cash Everyday® Card from American Express (See Rates and Fees)

 
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