Our favorite credit cards and top bonuses from our partners

Our Favorites

Welcome Offers of Note

  • CardName: 120,000 points* (American Express is a CardRatings advertiser)
  • CardName: 30,000 points*
  • CardName: 60,000 points*

*Terms apply. Click card names for more details

Our Favorites:

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Best ever bonus: Earn $900 bonus cash back 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. So, even though this is considered a cash-back card, you’re earning Ultimate Rewards® points that serve as lucrative travel rewards. Furthermore, this no-annual-fee card allows you to earn points at a nice clip both through the signup bonus and on an ongoing basis.

Credit needed: CreditScoreNeeded

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Bonus: 60,000 Chase Ultimate Rewards® points when you spend $4,000 in the first three months.

Annual fee: AnnualFees

Analysis: This is a solid offer on the CardName which we rate as the #1 travel rewards credit card.

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Bonus: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.

$95 annual fee

Analysis:  With this card 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 multiple leading travel loyalty programs.

Learn More


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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 every purchase. 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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Bonus: Receive 60,000 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 through the Ultimate Rewards portal, so those 60,000 bonus points are worth $900 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 1,000 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 through the Chase portal.

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Bonus: New cardholders can earn $200 after spending $500 with the card in the first 3 months of opening the account.

$0 annual fee.

Analysis:  Earn 5% cash back on up to $1,500 in combined purchases in varying categories each quarter, 5% cash back on travel purchased through the Chase Ultimate Rewards® portal, 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: Excellent tiered earning with 5% cash back on travle purchased through Ultimate Rewards®, 3% back at restaurants, 3% back at drugstores and 1.5% back on all other eligible 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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Bonus: 100,000 Chase Ultimate Rewards® points when you spend $15,000 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).

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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 percent 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 intro 12 months zero interest on purchases (then, RegAPR). And, remember, you’ll earn an unlimited 1.5 percent cash back on every purchase.

Credit needed: CreditScoreNeeded

Annual Fee: AnnualFees

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Bonuses of Note

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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: Earn 5x the Membership Rewards® points on flights and prepaid hotels through amextravel.com. Earn an extra half-point (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 and on eligible purchases of $5,000 or more (up to a cap), and earn 1 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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See Rates and Fees


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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. Also, earn two points per $1 on up to $15,000 spent in the first six months on purchases that normally earn one point.

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: 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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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 CardName please visit the following link: 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.