Top Recommended Credit Card Offers From Our Partners

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


Top Recommended Cards

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Welcome offer: Earn 75,000 bonus miles when you spend $4,000 in the first three months from account opening. Those 75,000 miles are worth $750 when redeemed from statement credit to cover your travel purchases.

Analysis: Besides for a solid welcome bonus offer and strong ongoing rewards of two miles per $1 spent on your purchases (as well as more earning on certain travel purchases through Capital One Travel), cardholders are also eligible for up to $300 statement credit each year for purchases through Capital One Travel and up to $100 for Global Entry or TSA Precheck application fees. Furthermore, you receive 10,000 bonus points each year – that’s worth $100 in travel – after your cardholder anniversary. With all those credits and bonus rewards, not to mention the included airport lounge access, it’s not hard to offset the annual fee.

Annual fee: AnnualFees

Credit needed: CreditScoreNeeded

Transferable Points Cards

Chase

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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: AnnualFees

Analysis: This is a nice signup offer for the CardName, which we rate as the #1 travel rewards credit card.

Credit needed: CreditScoreNeeded

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Bonus: Earn 80,000 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 through Ultimate Rewards, so those 80,000 bonus points are worth $1,200 in travel that way.

AnnualFees 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 1,300 airport lounges worldwide, a chance to earn five points on flights and 10 points on car rentals and hotels when you book through the Ultimate Rewards portal (on purchases not eligible for the annual travel reimbursement), three points per $1 spent on dining and other 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.

Credit needed: CreditScoreNeeded

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Bonus:  Earn a $200 bonus after spending $500 with your card in the first three months. 

$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: CreditScoreNeeded

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Bonus: 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. 

$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 CardName, CardName or other participant cards which will, in some cases, make those points more valuable. Credit needed: CreditScoreNeeded

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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

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Welcome Offer: Earn 80,000 Membership Rewards bonus points when you spend $6,000 in the first six months.

AnnualFees annual fee not waived.

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. Enrollment required for select benefits.

Credit needed: CreditScoreNeeded

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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, plus takeout and delivery in the U.S. 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 your card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. This is an annual savings of up to $120. 

You can also earn $120 in Uber Cash. Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.

Enrollment is required for select benefits. 

AnnualFees annual fee.

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: CreditScoreNeeded

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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 cards, which means they now offer value in this way as well.

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Welcome offer: Earn 75,000 bonus miles when you spend $4,000 in the first three months from account opening. Those 75,000 miles are worth $750 when redeemed from statement credit to cover your travel purchases. 

Analysis: Besides for a solid welcome bonus offer and strong ongoing rewards of two miles per $1 spent on your purchases (as well as more earning on certain travel purchases through Capital One Travel), cardholders are also eligible for up to $300 statement credit each year for purchases through Capital One Travel and up to $100 for Global Entry or TSA Precheck application fees. Furthermore, you receive 10,000 bonus points each year – that’s worth $100 in travel – after your cardholder anniversary. With all those credits and bonus rewards, not to mention the included airport lounge access, it’s not hard to offset the annual fee.

Annual fee: AnnualFees

Credit needed: CreditScoreNeeded


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Welcome offer: Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within three months from account opening, equal to $750 in travel.

Analysis: Remember, you can transfer your miles to a number of loyalty programs or redeem them to cover travel expenses you’ve put on your card. Credit needed: CreditScoreNeeded

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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: CreditScoreNeeded

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Citibank

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(Citi is a CardRatings.com advertiser)

Bonus: For a limited time, earn 80,000 bonus ThankYou Points after you spend $4,000 in the first three months of account opening.

Annual fee: AnnualFees

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.

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Bonus: Earn 20,000 bonus ThankYou points after making $1,500 in purchases within the first three months. Additionally, for a limited time, you can earn five points per $1 spent at restaurants up to $6,000 spent in your first 12 months (then, one point per $1 thereafter)

Annual fee: AnnualFees 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.

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Cash-Back Credit Cards

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

Annual Fee: AnnualFees. 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.

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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 and balance transfers (then, RegAPR; 3% fee on the amounts transferred within the first 15 months).

$0 annual fee

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

Learn More

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Welcome Offer: Earn a $250 statement credit after you spend $3,000 in purchases on your new card within the first six months.

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 eligible purchases. 

AnnualFees

Credit needed: CreditScoreNeeded

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Welcome Offer: Earn up to $250. Earn 20% back as a statement credit on purchases when you use your new card to check out with PayPal at merchants in the first six months of card membership, up to $150 back. Plus, earn $100 back as a statement credit after you spend $2,000 in purchases on your new card in the same timeframe.

Analysis: Solid cash back card with some appealing bonus categories: Earn 3% cash back at U.S. supermarkets, U.S. gas stations and on U.S. online retail purchases (up to $6,000 spent in each category per year, then 1%), and 1% back on other eligible purchases.

Plus, there’s no annual fee to worry about.

Credit needed: CreditScoreNeeded

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(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, RegAPR). This card basically rewards your good financial habits, so it’s one worth having in your wallet. 

$0 annual fee. Credit needed: CreditScoreNeeded

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Small Business Credit Cards

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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 AnnualFees

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: CreditScoreNeeded

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The newest member of the Ink family can really be viewed as a no-annual-fee complement to the CardName 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 CardName.

It’s currently offering its best ever welcome offer; earn $900 cash back after you spend $6,000 in the first three months of card membership. Additionally, you can take advantage of an introductory 12 months zero interest on purchases (then, RegAPR). And, remember, you’ll earn an unlimited 1.5% cash back on every purchase.

Credit needed: CreditScoreNeeded

Annual Fee: AnnualFees

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Best Ever Bonus! Earn $900 bonus cash back, in the form of 90,000 Ultimate Rewards points, when you spend $6,000 in the first 3 months.

$0 annual fee

Analysis: The Ultimate Rewards from the CardName 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: CreditScoreNeeded

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Welcome offer:  Earn 70,000 Membership Rewards points after you spend $10,000 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: AnnualFees

Analysis: This card has some interesting benefits. A flexible payment option can help manage cash flow on eligible purchases. 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: CreditScoreNeeded

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Welcome Offer: Earn 120,000 Membership Rewards bonus points after you spend $15,000 on eligible 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 eligible purchases with U.S. construction material and hardware suppliers, electronic goods retailers and software and cloud system providers, and shipping providers as well as on purchases of $5,000 or more (up to a cap), and earn one point per $1 on other eligible purchases.

Annual fee: AnnualFees.

Analysis: The AnnualFees 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: CreditScoreNeeded

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Welcome Offer: Earn 15,000 Membership Rewards points after you spend $3,000 on eligible purchases in the first three months. You can also enjoy an introductory 0% interest on purchases for 12 months from account opening (then, RegAPR).

AnnualFees

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 in eligible purchases 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: CreditScoreNeeded

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Welcome Offer:  Earn a $250 statement credit after spending $3,000 on eligible purchases within the first three months. New cardholders can also enjoy an introductory 12 months of no interest on purchases (then, RegAPR). 

Annual fee: AnnualFees

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 eligible purchases up to $50,000 spent in a calendar year (then 1%) make this an attractive card option.

Credit needed: CreditScoreNeeded

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Welcome offer: Earn up to $1,000 cash back – Earn $500 after you spend $5,000 in the first three months, and $500 more once you spend $50,000 in the first six months of account opening.

Annual fee: AnnualFees.

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

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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: AnnualFees

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: CreditScoreNeeded

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Welcome Offer: New card members can earn 50,000 bonus miles after spending $2,000 in the first three months.

AnnualFees

Analysis: This is a solid offer for this card, so now is a good time to apply. Credit needed: CreditScoreNeeded

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Welcome Offer: New card members can earn 60,000 bonus miles and 5,000 MQMs after spending $3,000 in the first three months.

Annual fee:AnnualFees

Analysis: This is a nice offer for this card, so it’s a good time to apply if that fits in your plans. Credit needed: CreditScoreNeeded

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(Citi is a CardRatings.com advertiser)

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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: AnnualFees

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: CreditScoreNeeded

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

AnnualFees 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: CreditScoreNeeded

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Bonus: Earn 80,000 points after you spend $5,000 on purchases in the first three months.

AnnualFees 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; 135,000 points after Jan. 1, 2023).

You have a good opportunity to earn those additional points you need thanks to the ongoing rewards-earning rate of 4 points per $1 spent on Southwest purchases; 3 points with Rapid Rewards hotel and car partners; 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 PreCheck application fee credit every four years, in-flight WiFi credits and 9,000 bonus points each year after your account anniversary. Credit needed: CreditScoreNeeded

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Bonus: Earn 75,000 bonus miles after spending $5,000 on purchases in the first three months of account opening.

Annual fee: AnnualFees

Analysis: This is a solid bonus for this card, so it’s worth applying now if that fits in your plans.

Credit Needed: CreditScoreNeeded

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Welcome Offer: Earn 75,000 bonus Marriott Bonvoy points after making $3,000 in purchases on your new card within the first three months.

Annual fee: AnnualFees.

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 restaurants worldwide, 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 eligible purchases earn two points per $1 spent. Enjoy a complimentary night stay (up to a 35,000-point value) each year after your card renwal month. Earn an additional Free Night Award after you spend $60,000 in purchases on your card in a calendar year. Plus, save with a 7% discount off standard rates for reservations of standard guest rooms at Marriott Bonvoy participating properties when you book directly. (Terms and conditions apply).

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Limited Time Offer: Earn 130,000 bonus points after spending $5,000 on your new card in the first three months. Plus, earn a Free Night Reward after spending $10,000 in purchases in the first six months of card membership (offer ends 12/21/22).

Annual fee: AnnualFees.

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 12X Hilton Honors bonus points per $1 spent directly with participating properties within the Hilton portfolio; 6X points at U.S. gas stations, on U.S. purchases for shipping, on wireless telephone services purchased directly from US 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; and 3X points per $1 on all other eligible purchases. 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.  

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Airline Rewards Credit Cards

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Bonus: For a limited time, earn 75,000 points when you spend $3,000 in the first three months.

AnnualFees 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. Credit needed: CreditScoreNeeded

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Bonus: For a limited time, earn 75,000 points when you spend $3,000 in the first three months.

AnnualFees 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: CreditScoreNeeded

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Bonus: Earn 60,000 after you spend $3,000 on purchases in the first three months your account is open.

Annual fee: AnnualFees

Analysis: There is a nice bonus and many additional benefits with this card. For example, earn 2 miles per $1 spent at restaurants, on hotel accommodations, and on purchases from United. Receive up to $100 Global Entry, Nexus or TSA PreCheck 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.

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Bonus: Earn up to 100,000 bonus Avios. Spend $5,000 on purchases within the first three months of opening an account to earn 75,000 Avios and earn another 25,000 Avios when you spend $20,000 in the first 12 months. You will also receive 10% off British Airways flights that start in the U.S.

AnnualFees annual fee not waived the first year.

Analysis: In addition to the potential for 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 made directly with hotels; 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: CreditScoreNeeded

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Welcome Offer:  Earn 40,000 bonus miles after you spend $2,000 in purchases on your new card in your first six months.

AnnualFees

Analysis: This is a good offer for this card.

Credit needed: CreditScoreNeeded

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Welcome Offer: For a limited time earn 90,000 bonus miles after you spend $3,000 in purchases on your new card in your first three months. Offer ends 8/3/2022.

Annual Fee: AnnualFees 

Analysis: This is a good offer on this card.

Credit Needed:CreditScoreNeeded

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(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: AnnualFees.

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: CreditScoreNeeded

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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: AnnualFees

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: CreditScoreNeeded

Apply Now


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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 PreCheck application fees.

AnnualFees annual fee applies.

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

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

AnnualFees 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.

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Business

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

AnnualFees 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: CreditScoreNeeded

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Bonus: Earn 80,000 points after you spend $5,000 on purchases in the first three months.

AnnualFees 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; 135,000 points after Jan. 1, 2023).

You have a good opportunity to earn those additional points you need thanks to the ongoing rewards-earning rate of 4 points per $1 spent on Southwest purchases; 3 points with Rapid Rewards hotel and car partners; 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 PreCheck application fee credit every four years, in-flight WiFi credits and 9,000 bonus points each year after your account anniversary.Credit needed: CreditScoreNeeded

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Bonus: Earn 75,000 bonus miles after spending $5,000 on purchases in the first three months of account opening.

Annual fee: AnnualFees

Analysis: This is a solid bonus for this card, and it’s worth applying now if that fits in your plans.

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Welcome Offer: New card members can earn 50,000 bonus miles after spending $2,000 in the first three months.

AnnualFees

Analysis: This is a solid offer for this card, so it’s a good time to apply if you’re in the market for the card. Credit needed: CreditScoreNeeded

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Welcome Offer: New card members can earn 60,000 bonus miles and 5,000 MQMs after spending $3,000 in the first three months.

Annual fee:AnnualFees

Analysis: This is a solid offer for this card, so it’s a good time to apply if that fits in your plans. Credit needed: CreditScoreNeeded

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(Citi is a CardRatings.com advertiser)

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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: AnnualFees

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: CreditScoreNeeded

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Hotel Rewards Credit Cards

Consumer

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Welcome Offer: Earn three free nights (each valued at up to 50,000 points) after spending $3,000 on purchases in your first three months from account opening.

AnnualFees annual fee.

Analysis: You’ll be rolling in points in no time since you earn up to 17 points per $1 spent at participating Marriott Bonvoy hotels; 3X total points on up to $6,000 in combined purchases at gas stations, restaurants and grocery stores each year; and two points per $1 on everything else. That’s a solid everyday earning rate for a branded hotel card.

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Bonus: Earn 30,000 Bonus Points after you spend $3,000 on purchases in the first three months from account opening (free night stays start at 5,000 points). Plus, for the first six months you earn two points per $1 on up to $15,000 spent on purchases that normally earn one point per $1.

Receive a free night certificate for a Category 1-4 Hyatt hotel or resort after each card member anniversary. Get complimentary World of Hyatt Discoverist status for as long as your account is open and 5 qualifying night credits toward your next tier status every year. 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 30,000 bonus points could be worth as many as six 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: AnnualFees

Credit needed: CreditScoreNeeded

Apply Now

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

AnnualFees 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 three 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 26 points total per $1 spent when you stay at an IHG hotel. Earn 5X points at gas stations and restaurants as well as on travel and 3 points per $1 on all other purchases.

Credit needed: CreditScoreNeeded

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discontinued All information about the Hilton Honors Surpass Card has been collected independently by Cardratings

Welcome Offer: Earn 130,000 Hilton Honors bonus points after you use your new card to make $2,000 in eligible purchases within the first three months of card membership. Also, earn a weekend night stay reward after you spend $15,000 in a calendar year. 

AnnualFees.

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. 

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Business

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Limited Time Offer: Earn 130,000 bonus points after spending $5,000 on your new card in the first three months. Plus, earn a Free Night Reward after spending $10,000 in purchases in the first six months of card membership (offer ends 12/21/22).

Annual fee: AnnualFees.

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 12X Hilton Honors bonus points per $1 spent directly with participating properties within the Hilton portfolio; 6X points at U.S. gas stations, on U.S. purchases for shipping, on wireless telephone services purchased directly from US 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; and 3X points per $1 on all other eligible purchases. 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.  

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Welcome Offer: Earn 75,000 bonus Marriott Bonvoy points after making $3,000 in purchases on your new card within the first three months.

Annual fee: AnnualFees.

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 restaurants worldwide, 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 eligible purchases earn two points per $1 spent. Enjoy a complimentary night stay (up to a 35,000-point value) each year after your card renwal month. Earn an additional Free Night Award after you spend $60,000 in purchases on your card in a calendar year. Plus, save with a 7% discount off standard rates for reservations of standard guest rooms at Marriott Bonvoy participating properties when you book directly. (Terms and conditions apply).

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Balance Transfer Credit Cards

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Analysis: This card offers an intro 0% APR on balance transfers for the first 18 months (then, RegAPR). You will pay a balance transfer fee: BalanceTransferFees

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: CreditScoreNeeded

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For rates and fees of the American Express cards mentioned in this post, please see the following links: CardName (See Rates and Fees); CardName (See Rates and Fees); CardName (See Rates and Fees); CardName (See Rates and Fees); CardName (See Rates and Fees); CardName (See Rates and Fees); CardName ( See Rates and Fees); CardName (See Rates and Fees); CardName (See Rates and Fees); CardName (See Rates and Fees); CardName (See Rates and Fees); CardName (See Rates and Fees); CardName (See Rates and Fees); CardName (See Rates and Fees); CardName (See Rates and Fees); CardName (See Rates and Fees)

Disclaimer: The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.

This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. CardRatings.com does not review every company or every offer available on the market.

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