Rewards Credit Card Offers From Our Partners

By Brad Barrett, Travel Miles 101 co-founder and host of the ChooseFI podcast

Here are the top credit card picks from ChooseFI and Travel Miles 101 – we’ve set this page up so you can easily find and apply for the cards that are right for you.

Top Recommended Cards:

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60,000 points after spending $4,000 in the first 3 months

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One-time 75,000 mile bonus when you spend $4,000 in the first 3 months, plus a one-time $250 travel credit

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60,000 points after $6,000 spent on eligible purchases in 6 months (American Express is a CardRatings advertiser)

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Recently Increased, New or Limited Time Bonuses:

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$250 statement credit after spending $3,000 within the first six months

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60,000 points after you spend $3,000 in the first three months &an additional 60,000 points when you spend $15,000 in nine months.

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120,000 points after $8,000 spent in the first three months

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This card offers 60,000 bonus points after spending $4,000 in the first three months, worth $750 when redeemed for travel through Chase Travel℠ or perhaps even more when transferred to one of Chase’s hotel or airline loyalty program partners including United, Southwest and Hyatt. The card also offers 5x on travel purchased through Chase Travel, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.

Annual Fee: AnnualFees

Analysis: This is a good offer from this card. 

Credit needed: CreditScoreNeeded

EDITOR’S NOTE: Already have the CardName 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 80,000 Membership Rewards points after spending $8,000 in the first six months of card membership? Consider adding the CardName to your wallet. (See Rates and Fees. American Express is a CardRatings advertiser).
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Limited-Time Offer: For a limited time, earn 75,000 miles once you spend $4,000 on purchases within the first three months of account opening, plus receive a one-time $250 Capital One Travel credit in your first cardholder year – that’s equal to $1,000 in travel! Annual fee is AnnualFees.

Analysis: Remember, you can fly any airline, stay at any hotel, anytime and not have to worry about blackout dates. Plus you can transfer your miles to a number of travel loyalty programs.

Credit needed: CreditScoreNeeded

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Welcome offer: Earn one-time $200 cash bonus 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; balance transfer fee applies.

AnnualFees 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. Plus, unlike many cash-back rewards cards, this one doesn’t charge foreign transaction fees, so feel free to take it along on your travels abroad.

Credit needed: CreditScoreNeeded

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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 120,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That’s $1,200 cash back or $1,500 toward travel when redeemed through Chase Travel℠. 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

Transferable Points Credit Cards

Chase

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This card offers 60,000 bonus points after spending $4,000 in the first three months, worth $750 when redeemed for for travel through Chase Travel℠ or perhaps even more when transferred to one of Chase’s hotel or airline loyalty program partners including United, Southwest and Hyatt. The card also offers 5x on travel purchased through Chase Travel, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.

Annual Fee: AnnualFees

Analysis: This is a good offer from this card.

Credit needed: CreditScoreNeeded

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Bonus: Earn 60,000 bonus points after spending $4,000 in the first three months. All your points are worth 50% more when you redeem them for travel through Chase Travel℠, so those 60,000 bonus points are worth $900 in travel that way.

AnnualFees annual fee; an additional $75 for 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 Chase Travel (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. 

AnnualFees annual fee.

Analysis:  Unlimited 1.5% cash back is just the beginning of what you can earn. You’ll enjoy 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services, 5% cash back on travel purchased through Chase Ultimate Rewards, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; and 1.5% cash back on all other purchases.

Credit needed: CreditScoreNeeded

Information related to Chase Freedom FlexSM has been collected independently by CardRatings and was neither reviewed nor provided by the card issuer

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Intro Offer:  Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back! 

Annual Fee: AnnualFees annual fee.

Analysis: Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on Chase travel; 3% cash back on drugstore purchases and dining; and unlimited 1.5% cash back on all other purchases.

Credit needed: CreditScoreNeeded

EDITOR’S NOTE: Chase also offers a number of transferable points credit cards for small businesses. These cards also accumulate rewards as Chase Ultimate Rewards points. You can read about these in the Small Business Credit Cards section below.

Capital One

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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: Capital One entered the luxury card market with this card and they did it with a bang. The annual fee is lower than most cards in the premium card category AND it’s a top card for authorized users. That’s because you don’t have to pay an extra fee to add authorized users; plus, your authorized users get their own Priority Pass Select membership, meaning they can utilize lounges without the primary cardholder. Otherwise, this card offers the same flexible reward redemptions and transfer partners as other cards in the Venture family, making it a simple card to use.

Credit needed: CreditScoreNeeded

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Limited-Time Offer: For a limited time, earn 75,000 miles once you spend $4,000 on purchases within the first three months of account opening, plus receive a one-time $250 Capital One Travel credit in your first cardholder year – that’s equal to $1,000 in travel!

Analysis: Remember, you can fly any airline, stay at any hotel, anytime and not have to worry about blackout dates. Plus you can transfer your miles to a number of travel loyalty programs.

Credit needed: CreditScoreNeeded

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Welcome offer: Earn a bonus of 20,000 miles once you spend $500 on purchases within three months from account opening. There is no annual fee on this card.

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

Analysis: This is a fine welcome offer for this card.

Credit needed: CreditScoreNeeded

American Express

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Welcome Offer: Earn 80,000 Membership Rewards bonus points when you spend $8,000 in the first six months.

Annual fee: AnnualFees

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 – more than $1,400-worth in your first year, in fact. Enrollment required for select benefits.

Credit needed: CreditScoreNeeded

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Welcome Offer: Earn 60,000 Membership Rewards bonus points when you spend $3,000 in the first six months. Plus, you can earn 20% back on eligible travel and transit purchases made during your first six months, up to $200 back as statement credit. Information related to the American Express Green Card has been collected independently by CardRatings and was neither reviewed nor provided by the card issuer.

Annual fee: AnnualFees

Analysis: This card has an impressive array of benefits given the low(ish) annual fee. Furthermore, the everyday rewards earning opportunities are solid (3x on travel; transit; and eligible restaurant purchases worldwide, including takeout and delivery in the U.S.).

Credit needed: CreditScoreNeeded

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Welcome Offer: Earn 60,000 Membership Rewards points after spending $6,000 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. Additionally, 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

EDITOR’S NOTE: American Express offers a number of transferable points cards for small businesses that utilize the Membership Rewards program. Read more about them in the Small Business Credit Cards section below.

Citibank

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(Citi is a CardRatings.com advertiser)

Bonus: Earn 70,000 bonus ThankYou® points after spending $4,000 in the first three months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com

Annual fee: AnnualFees

Analysis: When it comes to ongoing rewards, you’ll earn earn ten points per $1 spent on hotels, car rentals, and attractions booked on CitiTravel.com. Also, you will earn three times the points on air travel and other hotel purchases, at restaurants, supermarkets, gas and EV charging stations, and one point per $1 spent on your other purchases. 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. Plus, as a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.

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.

Niche Offerings

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This card works with the Bilt Rewards Alliance program, which is a rewards and benefits program for people who rent from properties within the alliance. Even renters without the Bilt card can earn points on their rent payments when they live in one of the alliance member properties. When you use the card at least five times in a statement cycle, you can earn rewards to the tune of 3X points on dining, 2X points on travel, and 1x point on other purchases (including your rent payments made through the app). You can also earn double points on the first of each month. That means you’ll earn 6X on dining, 4X on travel, and 2X on other purchases (excluding rent). Points are transferrable to a number of popular airline and hotel loyalty programs.

Annual Fee: AnnualFees

Credit needed: CreditScoreNeeded

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Bonus: $300 statement credit after you spend $1,000 in the first three months.

Annual Fee: AnnualFees

Analysis: For most people, you’re going to be better served with a general travel rewards card even if your travel goal is a trip to a Disney park. That’s because your redemption options are restricted with this card and much more flexible with a general travel rewards card. However, this card does offer some nice perks for the truly Disney passionate, and the option to redeem your rewards for statement credit to cover air travel is a nice touch.

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

Annual Fee: AnnualFees annual fee and no foreign transaction fees.

Analysis: You can think of this card as the little sibling of the CardName. It has a similar focus on food, but a slightly lower earning rate, a lower bonus offer and no annual fee. You earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart and Target), and 1% on all other purchases. Additionally, you earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply). 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.

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Welcome Offer: Earn a $250 statement credit after you spend $3,000 in eligible 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 purchases. 

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Credit needed: CreditScoreNeeded

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Welcome Offer: Earn a $200 statement credit after you spend $2,000 in purchases on your new card within the first six months.

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. The welcome offer and everyday rewards-earning opportunities make this an attractive card.

AnnualFees annual fee.

Credit needed: CreditScoreNeeded

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Analysis: Unlimited 2% cash back (1% when you buy, another 1% when you pay) with no annual fee makes this card a real winner! Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24. This card also offers an intro 0% APR on qualifying balance transfers for the first 18 months (then, RegAPR). This card basically rewards your good financial habits, so it’s one worth having in your wallet.

Credit needed: CreditScoreNeeded

Small Business Credit Cards

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Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.

AnnualFees 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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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 120,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That’s $1,200 cash back or $1,500 toward travel when redeemed through Chase Travel℠. 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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This member of the Ink family can really be viewed as a no-annual-fee complement to the other cards in the Ink family 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.

Earn $750 cash back after you spend $6,000 in the first three months of card membership. Additionally, you can take advantage of an intro 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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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 categories where your business spends the most (each billing cycle) from six eligible categories. While your top two categories may change, you will earn 4x points on the first $150,000 in combined purchases from these categories each calendar year (then 1x thereafter). Only the top two categories each billing cycle will count towards the $150,000 cap. Additionally, earn 3x Membership Rewards points on flights and prepaid hotels booked on amextravel.com using your Business Gold card.

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% of your points back when 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 150,000 Membership Rewards bonus points after you spend $20,000 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 1 million points back annually).

Credit needed: CreditScoreNeeded

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

Annual fee: 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 on 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 you make $3,000 in purchases on your card in your first three months. Plus, new cardholders can take advantage of 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 a one-time cash bonus of $1,200 once you spend $30,000 in the first three months.

Annual fee: AnnualFees.

Analysis: The regular rewards earning is solid at 2% cash back on every purchase.

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 as long as you can meet the spending threshold. Plus, the rewards earning is solid at two miles per $1 spent on every purchase and five miles per $1 spent on hotels and car rentals through the Capital One portal.

Credit needed: CreditScoreNeeded

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Limited Time Offer: Earn 75,000 bonus miles after spending $6,000 in purchases on your new card in your first six months of card membership. Offer ends 7/17.

AnnualFees annual fee.

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

Credit needed: CreditScoreNeeded

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Limited Time Offer: Earn 95,000 bonus miles after spending $8,000 in purchases on your new card in your first six months of card membership. Offer ends 7/17.

Rewards: 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. 1 mile on every eligible dollar spent on other purchases. Additionally, get closer to elevated Status next Medallion Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $20 of purchases with your Delta SkyMiles Platinum Business American Express Card.

Annual Fee: AnnualFees

Analysis: This is a solid offer for this card, and now is a good time to apply if that fits in your plans.

Credit needed: CreditScoreNeeded

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Bonus: Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first four 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: Earn 60,000 points after you spend $3,000 on purchases in the first three months your account is open and an additional 60,000 points when you spend $15,000 in nine months.

AnnualFees annual fee, not waived the first year.

Analysis: This is a good offer but it’s not the highest we’ve seen with this card; however, 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 and an additional 40,000 points when you spend $15,000 in nine months.

AnnualFees annual fee, not waived the first year.

Analysis: The welcome bonus is a jump start to your earning and will put you within easy reach of earning a coveted Companion Pass for the year.

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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Welcome Offer: Earn 3 Free Night Awards after you use your new card to make $6,000 in eligible purchases within the first six months of card membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.

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 on eligible purchases 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 on eligible bookings as a benefit of being both a Marriott Bonvoy member & a Marriott Bonvoy Business American Express card member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business card rate. (Terms and conditions apply).

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Welcome Offer: Earn 130,000 Hilton Honors bonus points after you spend $6,000 in purchases within the first six months of card membership.

Annual fee: AnnualFees annual fee.

Analysis: Enjoy complimentary Hilton Honors™ Gold Status with your card. With Hilton Honors Gold status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% bonus on all base points you earn on every stay getting you to free nights faster. That perk is in addition to your everyday rewards earning power of 12X Hilton Honors Bonus Points on eligible Hilton purchases; 5X Hilton Honors Bonus Points on other purchases made using the card on the first $100,000 in purchases each calendar year; and 3X points thereafter. As if all that wasn’t enough for the modest annual fee, you’ll also receive complimentary Hilton Honors™ Gold Status with your card, that gives you benefits at hotels and resorts within the Hilton Portfolio and allows you to earn an 80% bonus on all base points you earn on every stay getting you to free nights faster.

Airline Rewards Credit Cards

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Welcome offer: Earn 50,000 bonus points after spending $1,000 on purchases in the first three months from account opening.

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 an excellent card for family travel and travel in the U.S. generally. And this is a nice bonus to take advantage of.

Credit needed: CreditScoreNeeded

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Welcome offer: Earn 50,000 bonus points after spending $1,000 on purchases in the first three months from account opening.

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

AnnualFees annual fee not waived the first year.

Analysis: 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, and two Avios per $1 on hotel accommodations made directly with hotels. Additionally, you will also receive 10% off British Airways flights that start in the U.S.

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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Bonus: Earn 70,000 Hawaiian Airlines miles when you spend $2,000 in the first 90 days. See Rates and Fees

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 eligible grocery store purchases; and 1 mile per $1 spent on everything else.

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Welcome Offer:  Earn 65,000 Bonus Miles after you spend $3,000 in purchases on your new card in your first six months.

Annual Fee: AnnualFees

Analysis: This is a good offer for this card.

Credit needed: CreditScoreNeeded

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Welcome Offer: Earn 85,000 Bonus Miles after you spend $4,000 in purchases on your new card in your first six months.

Annual Fee: AnnualFees. 

Analysis: This is a nice welcome offer for this card.

Credit Needed: CreditScoreNeeded

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

Annual Fee: AnnualFees. 

Analysis: This is a good offer for this card.

Credit Needed: CreditScoreNeeded

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Bonus: Limited-time offer: Earn 70,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first three months your account is open.

Annual Fee: AnnualFees. 

Analysis: This is a nice offer for this card.

Credit Needed: CreditScoreNeeded

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Bonus: Earn 50,000 American Airlines AAdvantage® bonus miles after making $2,500 in purchases in the first 3 months with your new card.

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. Plus, cardholders can also earn a $125 American Airlines flight discount each account membership year you spend $20,000 or more on your card and renew it.

Credit needed: CreditScoreNeeded

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

Annual Fee: AnnualFees

Analysis: This is a nice welcome offer for this card.

Analysis: This 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

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Bonus: Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first three months of account opening. The AnnualFees annual fee is steep but could be well worth it for the right cardholder.

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

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

Credit needed: CreditScoreNeeded

Business

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Bonus: Earn 60,000 points after you spend $3,000 on purchases in the first three months your account is open and an additional 60,000 points when you spend $15,000 in nine months.

AnnualFees annual fee, not waived the first year.

Analysis: This is a good offer but it’s not the highest we’ve seen with this card; however, 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 and an additional 40,000 points when you spend $15,000 in nine months.

AnnualFees annual fee, not waived the first year.

Analysis: The welcome bonus is a jump start to your earning and will put you within easy reach of earning a coveted Companion Pass for the year (accumulate 135,000 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 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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Limited Time Offer: Earn 75,000 bonus miles after spending $6,000 in purchases on your new card in your first six months of card membership. Offer ends 7/17.

AnnualFees annual fee.

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

Credit needed: CreditScoreNeeded

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Limited Time Offer: Earn 95,000 bonus miles after spending $8,000 in purchases on your new card in your first six months of card membership. Offer ends 7/17.

Rewards: 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. 1 mile on every eligible dollar spent on other purchases. Additionally, get closer to elevated Status next Medallion Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $20 of purchases with your Delta SkyMiles Platinum Business American Express Card.

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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Bonus: Earn 75,000 bonus miles after you spend $5,000 on purchases in the first three months your account is open.

Annual Fee: AnnualFees. 

Analysis: This is a nice offer for this card.

Credit Needed: CreditScoreNeeded

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Bonus: Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first four 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

Hotel Rewards Credit Cards

Consumer

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Welcome Offer: For a limited time, earn 100,000 bonus points after spending $3,000 on your new card in the first three months.

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.

Information related to the Marriott Bonvoy Boundless® Credit Card has been collected independently by CardRatings and was neither reviewed nor provided by the card issuer

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Bonus: Earn 35,000 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 up to nine points total per $1 spent at Hyatt – four bonus points per $1 on qualified purchases at Hyatt hotels & up to five base points per $1 from Hyatt 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 35,000 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.

Credit needed: CreditScoreNeeded

Information related to The World of Hyatt Credit Card has been collected independently by CardRatings and was neither reviewed nor provided by the card issuer

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Bonus: Earn five free nights after spending $4,000 on purchases in the first three months from account opening.

AnnualFees annual fee.

Enjoy a reward night after each account anniversary year at eligible IHG hotels and resorts worldwide. Plus, enjoy a reward night when you redeem points for any consecutive four-night stay at an IHG hotel.

Analysis: This 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 total points per $1 spent when you stay at an IHG hotel or resort. Earn 5X points on travel and at gas stations and restaurants and 3 points per $1 on all other purchases.

Credit needed: CreditScoreNeeded

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Welcome Offer: Earn 130,000 Hilton Honors bonus points plus a Free Night Reward after you spend $3,000 in purchases in the first six months of card membership. Offer ends 7/31/2024. Also, on an ongoing basis, you can earn a weekend night stay reward after you spend $15,000 in a calendar year. 

Annual Fee:AnnualFees annual fee. 

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; six points per $1 spent at U.S. restaurants, U.S. supermarkets and U.S. gas stations; and four points per $1 spent on U.S. online retail purchases. 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. 

Business

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Welcome Offer: Earn 130,000 Hilton Honors bonus points after you spend $6,000 in purchases within the first six months of card membership.

Annual fee: AnnualFees annual fee.

Analysis: Enjoy complimentary Hilton Honors(TM) Gold Status with your card. With Hilton Honors Gold status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% bonus on all base points you earn on every stay getting you to free nights faster. That perk is in addition to your everyday rewards earning power of 12X Hilton Honors Bonus Points on eligible Hilton purchases; 5X Hilton Honors Bonus Points on other purchases made using the card on the first $100,000 in purchases each calendar year; and 3X points thereafter. As if all that wasn’t enough for the modest annual fee, you’ll also receive complimentary Hilton Honors(TM) Gold Status with your card, that gives you benefits at hotels and resorts within the Hilton Portfolio and allows you to earn an 80% bonus on all base points you earn on every stay getting you to free nights faster. 

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Welcome Offer: Earn 3 Free Night Awards after you use your new card to make $6,000 in eligible purchases within the first six months of card membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.

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 on eligible purchases 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 renewal 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 on eligible bookings as a benefit of being both a Marriott Bonvoy member & a Marriott Bonvoy Business American Express card member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business card rate. (Terms and conditions apply).

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! Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24. 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

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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