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Chase Sapphire Preferred® Card
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
- 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
Credit Needed:
Excellent, Good
Capital One® Venture® Rewards Credit Card
- Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
- Earn 2X miles on every purchase, every day.
- Receive up to $100 application fee credit for Global Entry or TSA Pre✔®
- Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Named 'The Best Travel Card' by CNBC, 2018
- No foreign transaction fees
- $0 intro annual fee for the first year; $95 after that
Credit Needed:
Excellent, Good
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What Commerce Bank says about this card
- 0% Intro APR3for 12 monthly billing cycles for purchases and balance transfers, then 13.99% - 26.99% Variable APR4. Balance Transfer fee of 5%, $10 minimum.
- $0 Annual Fee*
- 3% Cash Back1 at Coffee Shops, Fast Food Locations and on Ridesharing Services2
- 2% Cash Back1 at Gas Stations2 and Restaurants2
- Plus, 1% Cash Back1on all other purchases! Cash Back redemption is applied as a statement credit.
- Unlimited Cash Back1on every purchase - no rotating categories, no sign ups and no point caps
By Amber Stubbs Managing Editor Updated Nov 6, 2019
Top Features
| Rewards | Bonus Rewards | Annual Fee |
| 3% Cash Back at Wireless Providers & Ride Sharing Services. 2% Cash Back at Gas Stations & Restaurants. Plus, 1% Cash Back on all other purchases! Cash back redemption is applied as a statement credit. | N/A | $0 |
CardRatings Editor's Analysis: Pros & Cons
- An excellent option for frequent drivers and those who enjoy dining out – earn 2 percent cash back on all your gas station and restaurant purchases.
- Cardholders also earn 3 percent cash back with wireless providers and on ridesharing purchases.
- There's no annual fee to worry about offsetting, so all your cash back can go right back in your wallet
- These are nice tiered cash back categories, but they're rather niche; if you don't drive (or rideshare) often or if you spend more at grocery stores than eating out, you're unlikely to realize top cash-back rewards with this card.
Commerce Bank® Unlimited Cash Back1 Rewards Credit Card compared to other travel rewards cards
Card Name
Rewards
Bonus Rewards
Annual Fee
Ratings/Apply
3% Cash Back at Wireless Providers & Ride Sharing Services. 2% Cash Back at Gas Stations & Restaurants. Plus, 1% Cash Back on all other purchases! Cash back redemption is applied as a statement credit.
N/A
$0
2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
$95
2 Miles per dollar on every purchase, every day.
50,000 Miles once you spend $3,000 on purchases within 3 months from account opening
$0 intro for first year; $95 after that
Earn 3X Membership Rewards® points on all eligible travel, from subway swipes and window seats to hotel stays and city tours. Earn 3X Membership Rewards® points at restaurants worldwide.
Earn 30,000 Membership Rewards® points after you spend $2,000 on purchases on your new Card in your first 3 months. Receive up to $100 in statement credits towards any eligible purchase made directly with Away in your first 3 months. Offer ends 1/15/2020.
$150
2 points for every $1 spent on travel and dining purchases. 1.5 points per $1 spent on all other purchases.
50,000 bonus points after you make at least $3,000 in purchases in the first 90 days of account opening.
$95