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Bonus: 60,000 Chase Ultimate Rewards® points when you spend $4,000 in the first three months.
Annual fee: $95
Analysis: This is the best offer we’ve ever seen on the Chase Sapphire Preferred® Card which we rate as the #1 travel rewards credit card.
Bonus: 50,000 bonus miles when you spend $3,000 in the first three months from account opening.
$95 annual fee, waived for the first year.
Analysis: 50,000 miles (plus the 6,000 you'll earn at the regular reward rate for spending $3,000 (two points per $1)) = 56,000 miles worth $560 of statement credits for completely flexible travel. This bonus is increased over the typical bonus for this card so jump on it while you can. Plus, thanks to a new partnership, if you use your card to book a stay through Hotels.com/venture you'll earn 10 miles for each $1 spent on the booking through Jan. 31, 2020. That's in addition to the regular Hotels.com/venture rewards program with which you earn a free night for every 10 nights booked through the site.
But you can fly any airline, stay at any hotel, anytime and not have to worry about blackout dates. You can also transfer your miles to over 12 leading travel loyalty programs.
Bonus: Receive 50,000 bonus Ultimate Rewards® points after spending $4,000 in the first three months. All your points are worth 50 percent more when you redeem them for travel, so those 50,000 bonus points are worth up to $750 in travel.
$450 annual fee; an additional $75 each authorized user.
Analysis: This luxury card made quite a splash when it debuted in 2016. While the annual fee is hefty, you get a lot for the money.
Take advantage of up to a $300 reimbursement each account anniversary year for travel expenses like airfare or hotel stays charged to your card, access to more than 1,000 airport lounges worldwide, a chance to earn three points per $1 spent on dining and travel that isn't eligible for the $300 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 percent more if you redeem them for travel.
Bonus: 80,000 Chase Ultimate Rewards® points when you spend $5,000 in the first three months.
$95 annual fee not waived the first year.
Analysis: This newer member of the Chase Ink family offers a hefty signup bonus plus the opportunity to 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. 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).
The newest member of the Ink family can really be viewed as a no-annual-fee complement to the Ink Business Preferred℠ Credit Card since it's a flat-rate cash-back rewards card that can be used to earn 1.5 percent cash back on all your purchases that don't earn higher cash back with the Ink Business Preferred℠ Credit Card.
As a welcome offer, new cardholders will earn $500 cash back after you spend $3,000 in the first three months of card membership. Additionally, you can take advantage of an intro 12 months zero interest on purchases (then, 14.74% - 20.74% Variable). And, remember, you'll earn an unlimited 1.5 percent cash back on every purchase.
Credit needed: Excellent, Good
Annual Fee: $0
Welcome Offer: Earn up to 75,000 Membership Rewards® bonus points. Earn the first 50,000 after you spend $10,000 and earn an additional 25,000 points after you spend an additional $10,000 all 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 (1.5 points) per $1 on purchases of more than $5,000 and earn one point per $1 on everything else.
$595. Terms apply. See Rates and Fees
Analysis: The $595 annual fee is significant. But, Amex is giving you 35% of your points back when you Pay with Points for flights booked through American Express Travel (you must select one airline for economy bookings, but you get 35% back on ALL business and first class flights available through Amex Travel, up to 500,000 points back annually). Credit needed: Good, Excellent
Bonus: Earn up to 50,000 Bonus Points. Earn 25,000 Bonus Points after you spend $3,000 on purchases in the first three months from account opening, and then an additional 25,000 Bonus Points after you spend a total of $6,000 on purchases within the first six months - free night stays start at 5,000 points.
Receive a free night certificate for a Category 1-4 Hyatt hotel or resort after each card member anniversary. Get automatic World of Hyatt Elite status for as long as your account is open and 5 qualifying night credits toward your next tier status every year. Earn 2 qualifying night credits towards your next tier status every time you spend $5,000 on your card.
Earn 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member. Plus, earn 2 Bonus Points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships.
Analysis: Since free nights start as low as 5,000 points per night, the up to 50,000 bonus points could be worth as many as 10 free nights. Additionally, you'll earn an extra free night at a Category 1-4 if you spend at least $15,000 on your card during your anniversary year.
Annual fee: $95
Credit needed: Excellent, Good
Bonus: 60,000 points after you spend $3,000 in the first 3 months.
$99 annual fee, not waived the first year.
Analysis: 60,000-point bonus is the top offer we’ve seen on this card. These points are among the easiest to redeem as Southwest doesn’t have any blackout dates! This is a great card for domestic business travel and travel in the U.S. generally. Credit needed: Excellent, Good
Meet Brad Barrett:
Brad is a CPA who, through his sites Travel Miles 101, Richmond Savers and ChooseFI, helps people maximize their credit card rewards points for nearly free travel while pursuing a frugal and financially independent lifestyle.
His family has used rewards points to travel to Walt Disney World, Bermuda, New York City, San Francisco and more and he has been featured in the New York Times, NBC, CBS, ABC, Lifehacker and the Huffington Post.
To see the rates and fees for the The Business Platinum® Card from American Express please visit the following link: See Rates and Fees.