Jason Steele’s favorite credit cards

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This card offers 60,000 bonus points after spending $4,000 in the first three months, worth $750 when redeemed 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 you 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

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This is a great card to have for more advanced award travel enthusiasts. It’s much like the Sapphire Preferred, but it offers you five points on flights and 10 points on car rentals and hotels when you book through Chase Travel (on purchases after earning your annual $300 travel reimbursement); earn 3 points per $1 on all dining and on other travel (after earning your annual credit). Earn 1 point per $1 elsewhere.

There’s also a Priority Pass Select airport lounge membership and gives you 1.5 cents in value per point redeemed through Chase Travel. You also get a $100 credit toward the application fee for Global Entry or TSA PreCheck. This card is also offering 60,000 bonus points after spending $4,000 within three months of account opening. There’s a AnnualFees annual fee for this card.

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Earn 5% back (5x points) on up to $1,500 spent each quarter on select purchases (activation of quarterly categories required), 5% back on travel purchased through Chase Ultimate Rewards, 3% back at restaurants, 3% back at drugstores and 1% back on other eligible purchase and pay no annual fee. Points combine with Ultimate Rewards points earned from your Sapphire Preferred, Sapphire Reserve and CardName.

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

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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!

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.

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I’m a huge fan of this card that offers you points in my favorite hotel program, the World of Hyatt. Start off with 35,000 bonus points after spending $3,000 within three months of account opening. Since free nights start at 5,000 points, this means you can earn as many as six free nights by the time you’ve spent $3,000 on this card! Plus, you’ll earn two points per $1 on up to $15,000 spent during your first six months on purchases that normally earn one point per $1.

You also earn a free night every year and an additional night after you spend $15,000 in a card member anniversary year. These are Category 1-4 nights, worth as much as 15,000 points each. Other benefits include 9 total points at Hyatt hotels (4 bonus points and 5 base points as a World of Hyatt member) and 2x points at restaurants, on airline tickets purchased directly from airlines, on local transit and commuting as well as on fitness club and gym memberships. You also get Discoverist elite status, 5 elite night stay credits for having the card and 2 elite night stay credits for every $5,000 spent. This is well worth the card’s AnnualFees annual fee.

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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I’ve already mentioned that World of Hyatt is my top hotel program and this new small business card means even more opportunity to rack up those rewards. Right now, new cardholders can earn 60,000 points after spending $5,000 within the first three months of opening an account. Free nights start at 5,000 points, so this bonus alone can gain you multiple free nights! What really sets this business card apart, however, is that you earn 2 bonus points in your top three spend categories each quarter through 12/31/24; after that, you’ll earn 2 bonus points in your top two categories. That makes this rewards card incredibly flexible for a wide variety of small businesses.

As if all of that weren’t enough, you can also earn up to $100 in Hyatt statement credits each anniversary year, 5 tier-qualifying night credits for every $10,000 you spend in a calendar year and World of Hyatt Discoverist status for you and up to 5 employees. Plus, earn 9 total points per $1 at Hyatt (that’s 4 bonus points on top of the 5 base points for being a World of Hyatt member) and 2 bonus points per $1 on fitness club and gym memberships as well as 1 point per $1 on your other purchases. You can easily offset the card’s AnnualFees annual fee with all the perks and rewards earning.

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This small business card has one of the top welcome bonus offers available. You earn 100,000 bonus points after spending $8,000 within three months of account opening. You also earn 3x points on your first $150,000 spent in combined purchases on travel; shipping purchases; Internet, cable and phone services; and on advertising purchases made with social media sites and search engines each account anniversary year. It also includes cell phone insurance when you pay your bill with your card, and there’s a AnnualFees annual fee for this card.

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This is the small business card I use at office supply stores and on mobile phone, internet and television services as it earns 5x points on your first $25,000 spent in combined purchases each account anniversary year. Points combine with Ultimate Rewards points earned from your Sapphire Preferred, Sapphire Reserve and Ink Business Preferred. You also can earn a nice welcome bonus: 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. There’s no annual fee for this card.

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This small business card is ideal for all non-bonus purchases. Earn 1.5x points on all of your purchases, with no limits while paying no annual fee. It’s offering a welcome bonus of $750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening. Points combine with Ultimate Rewards points earned from your Sapphire Preferred, Sapphire Reserve and Ink Business Preferred.

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Earn 50,000 bonus points after spending $1,000 on purchases in the first three months from account opening. Earn 2 points per $1 on Southwest purchases; local transit and commuting (including rideshares); and on internet, cable, phone services and select streaming. Earn 1 point per $1 on other eligible purchases. You can also earn 3,000 points as an anniversary bonus and it has a AnnualFees annual fee.

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Earn 50,000 bonus points after spending $1,000 on purchases in the first three months from account opening. Earn three points per $1 on Southwest purchases as well as two points per $1 on local transit and commuting (including rideshares) and on internet, cable, phone services and select streaming and one point per $1 on other eligible purchases. This card also offers you 6,000 points as an anniversary bonus and offers two EarlyBird Check-Ins® each year. It charges a AnnualFees annual fee.

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Earn 50,000 bonus points after spending $1,000 on purchases in the first three months from account opening. Earn three points per $1 on Southwest purchases as well as two points per $1 on local transit and commuting (including rideshares) and on internet, cable, phone services and select streaming and one point per $1 on other eligible purchases.

The card also offers you a $75 annual Southwest credit, four upgraded boardings a year and 7,500 points as an anniversary bonus. It has a AnnualFees annual fee.

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Earn 60,000 points after you spend $3,000 on purchases in the first three months your account is open. All these points count towards your Companion Pass. The card also offers you 6,000 points as an anniversary bonus and it has a AnnualFees annual fee.

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I love this small business card because it offers you 80,000 points after you spend $5,000 on purchases in the first three months, and these points count towards your Companion Pass. Benefits include 4x points on Southwest purchases, four upgraded boardings a year (when available) and up to 365 in-flight Wi-Fi credits per year. You also get a $100 credit towards the application fee for Global Entry or TSA PreCheck and 9,000 points as an anniversary bonus. It has a AnnualFees annual fee.

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Here’s your chance to earn 60,000 bonus miles and 500 Premier qualifying points after spending $4,000 within three months. Yes, it has a AnnualFees annual fee, but you get up to $125 in credits towards United purchases each card member year. Plus, this card includes TWO free checked bags, priority boarding, and up to 10,000 miles in award flight credits each year (terms apply).

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Earn 50,000 miles after you spend $3,000 on purchases in the first three months your account is open. Plus, check your first bag for free (a savings of up to $140 per round-trip) when you use your card to purchase your ticket. But what makes this card invaluable is the additional Saver Award space cardholders get when they redeem their miles.

Annual fee: AnnualFees

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The small business version of this card offers 75,000 bonus miles after spending $5,000 on purchases in the first three months of account opening. Plus, you get early boarding and a free checked bag. Again, what makes this card invaluable is the additional Saver Award space cardholders get when they redeem their miles.

Annual fee: AnnualFees

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This card offers the opportunity to earn 80,000 bonus points after spending $8,000 within six months of account opening. And, it overflows with travel benefits including access to the Delta SkyClub, Priority Pass Select and American Express Centurion lounges. I also love having elite status with Marriott and Hilton hotels and Hertz and National car rentals. And whenever I purchase airfare for myself or someone else (or pay taxes and fees on an award ticket) directly with airlines or with American Express Travel I earn 5X points (on up to $500,000 on these purchases per calendar year), plus on hotels booked through amextravel.com. Get up to $200 a year in Uber Cash, up to $200 in airline fee credit (with one pre-selected airline), up to $100 at Saks Fifth Avenue and a $100 or $85 credit towards a Global Entry or TSA PreCheck (respectively) application, plus so much more value. In fact, new cardholders could take advantage of more than $1,400 in benefits in the first year. That makes it well worth the AnnualFees annual fee. Terms Apply. Enrollment required for select benefits. American Express is a CardRatings advertiser.

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New accounts can earn 150,000 Membership Rewards points after spending $20,000 on eligible purchases within your account’s first three months. As with the personal card you also get access to the Delta SkyClub, Priority Pass Select and American Express Centurion lounges. And it comes with elite status for Marriott and Hilton hotels and Hertz and National car rentals, and 5x points on prepaid airfare and hotels booked through amextravel.com. It also offers over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership, up to $200 in statement credits annually when incidental airline fees are charged by the airline to the card, and up to a $189 in statement credit per calendar year on your CLEAR Plus membership (subject to auto-renewal). Enrollment required for select benefits. The annual fee is AnnualFees.

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This card offers you 6% cash back on up to $6,000 spent each year at U.S. supermarkets (then 1%) and unlimited 6% back on select U.S. streaming subscriptions. You also earn 3% cash back at U.S. gas stations and on transit expenses such as taxis, ridershares, parking, tolls and public transit. Earn a $250 statement credit after you spend $3,000 in purchases on your new card within the first six months. Annual fee is AnnualFees.

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This small business card lets you earn 2x Membership Rewards points on up to $50,000 in eligible purchases each year (then 1 point per $1) and pay no annual fee. Additionally, new cardholders can 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. Also, take advantage of 0% intro interest on purchases for 12 months from account opening (then RegAPR).

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This is the card I use for all dining and grocery spending as I earn unlimited 4x at restaurants, plus takeout and delivery in the U.S., and 4x on up to $25,000 spent each year at U.S. supermarkets (then 1 point per $1). I also get a $10 per month credit at select restaurants (enrollment required) and $120 Uber Cash yearly to use for Uber Eats orders and rides in the U.S. New cardholders also earn 60,000 Membership Rewards points after spending $6,000 on eligible purchases within six months of account opening. That’s why this card is worth the AnnualFees annual fee.

Please note, requirement may be required for select benefits.