Best Credit Card Offers of January 2022
Here are our picks for the best credit card offers from our partners! Browse through to find the offers that fit your type of travel.
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Chase Sapphire Preferred® Card
Annual fee
$95
Welcome offer
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.
Why we like it
The Chase Sapphire Preferred is one of our top credit cards for both beginners and frequent travelers. It comes with a nice welcome bonus, solid ongoing points earning on bonus categories and some great travel perks. The travel perks like delayed baggage and flight insurance will easily cover the already reasonable annual fee of $95. It earns valuable Chase Ultimate Rewards points which is one of the best flexible points currencies: you can transfer to a number of travel partners like Hyatt and United, easily redeem for any type of travel through the Chase portal where you’ll get 25% bonus or even earn straight cash back.
Who is it best for?
The Chase Sapphire Preferred is great for just about anyone. It’s large welcome bonus makes it easy to get immediate value and you’ll easily rack up points with its broad bonus categories, earning a decent return on travel and dining purchases. Chase points allow for easy redemptions made through the Chase Travel Portal, which allows you to book any sort of travel with no blackout dates, and you’ll get better value from your points compared to other bank’s travel portals.
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
660
850
Details
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.
- Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
- 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.
- With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
- Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash’s subscription service. Activate by 03/31/22.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Pros
- Flexible points
- Unique transfer partners like Hyatt and United
- Great travel and trip delay insurance
Cons
- $95 annual fee
- Ongoing points earning is lower compared to other cards
Reward Rate
- 5x on travel purchased through Chase Ultimate Rewards®
- 3x on dining.
- 2x on all other travel purchases, plus more.
APR
15.99%-22.99% Variable
Credit Needed
Good to Excellent
Foreign Transaction Fee
$0
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The Platinum Card® from American Express
Annual fee
$695
Welcome offer
Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
Why we like it
The Amex Platinum is a staple in the travel cards landscape with its unmatched travel benefits, for frequent flyers these benefits alone can far exceed the cost of the annual fee. Beyond that, this card has great on-going rewards and the card also comes with a generous welcome bonus of 100,000 Amex Membership Rewards points after spending $6,000 on purchases within the first six months of opening your account. You’ll also earn 10x points on eligible purchases on the card at restaurants worldwide and when you “Shop Small” in the U.S., on up to $25,000 in combined purchases, during the first six months of card membership.
Who is it best for?
The Platinum Card is best for frequent travelers that value luxury travel perks: think incredible airport lounge access and Gold elite status with Marriott and Hilton. Cardholders can also cash in on hundreds of dollars of credit for travel expenses all the while earning 5X Membership Rewards Points on flights (booked directly with the airline or through American Express Travel, on up to $500,000 on these purchases per calendar year and on prepaid hotels booked with American Express Travel.
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
660
850
Details
- Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
- Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
- Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
- $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
- $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
- $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.
- American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
- $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
- $300 Equinox Credit: Get up to $25 back each month on select Equinox memberships when you pay with your Platinum Card®. Enrollment required.
- $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
- $695 annual fee.
- Terms Apply.
- See Rates & Fees
Pros
- Access to Centurion Lounges, Priority Pass lounges, Delta Sky Clubs and more (enrollment required)
- Complimentary Hilton Gold elite status and Marriott Gold elite status (enrollment required)
- Long list of travel protections
- Excellent customer experience
Cons
- $695 annual fee
- Earning on travel categories exclusive to airfare and prepaid hotel stays
Reward Rate
- Earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
- Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
- Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
APR
See Pay Over Time APR
Credit Needed
Good to Excellent
Foreign Transaction Fee
None
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Capital One Venture Rewards Credit Card
Annual fee
$95
Welcome offer
Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel
Why we like it
The Venture Rewards card is a straightforward travel rewards card with a strong sign-up bonus. It earns 2X miles on every purchase so you don’t have to deal with any confusing bonus categories. Capital One Miles are easy to use too — they can be redeemed for nearly any travel purchase like airfare, car rentals, room service and much more.
Who is it best for?
The Capital One Venture Rewards card is the travel rewards card that adjusts to how you want to use it. The generous earning rate for everyday spending makes it a great option for those who like to use one card for all your purchases or for anyone looking for a simple approach to using miles.
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
660
850
Details
- Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel
- Earn unlimited 2X miles on every purchase, every day
- Miles won’t expire for the life of the account and there’s no limit to how many you can earn
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- No foreign transaction fees
Pros
- Miles are easy to use and can cover any type of travel
- 2x miles on all purchases
- Can transfer miles to airlines
- Up to $100 Global Entry or TSA Pre✓® Credit
Cons
- $95 annual fee
Reward Rate
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
- Earn unlimited 2X miles on every purchase, every day.
APR
15.99% – 23.99% (Variable)
Credit Needed
Good to Excellent
Foreign Transaction Fee
None
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American Express® Gold Card
Annual fee
$250
Welcome offer
Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
Why we like it
The American Express® Gold Card is equipped with a generous welcome offer, but the ongoing rewards make it one of the top cards for dining at restaurants and grocery purchases at U.S. supermarkets. Before doing any calculations to decide if it’s worth having in your wallet, this card also comes with up to $120 in dining credits and $120 in Uber cash annually ($10 monthly credits), which nearly offsets the entire annual fee. (enrollment required)
Who is it best for?
This card is great for foodies who like to eat out but also enjoy home cooked meals since it earns 4x Membership Rewards® Points at restaurants (including takeout and delivery) and at U.S. supermarkets (on up to $25,000 in purchases per calendar year; then 1x). It’s also perfect those who order delivery since it comes with up to $120 in Uber Cash which can be used at Uber Eats (in the U.S.) and up to $120 in dining credits towards eligible Grubhub and Seamless purchases. (enrollment required).
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
660
850
Details
- Rose Gold is here to stay. Card Members can choose between a Gold or Rose Gold Card.
- Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
- Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
- Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
- $120 Uber Cash on Gold: 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.
- $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
- No Foreign Transaction Fees.
- Annual Fee is $250.
- Terms Apply.
- See Rates & Fees
Pros
- High earning card between its strong welcome offer and on-going rewards
- Up to $120 in dining credits and $120 in Uber Cash every calendar year (enrollment required).
- Baggage, car rental and trip delay insurance
Cons
- $250 annual fee
- Limited travel benefits compared to other cards
Reward Rate
- Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery.
- Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
- Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
APR
See Pay Over Time APR
Credit Needed
Good to Excellent
Foreign Transaction Fee
None
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Chase Sapphire Reserve®
Annual fee
$550
Welcome offer
Earn 50,000 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®
Why we like it
The Chase Sapphire Reserve is the premium Chase travel credit card. In addition to earning 3x points on travel and dining purchases, this card comes with a $300 annual travel credit and other travel and dining perks that quickly make it worth the $550 annual fee. One of our favorite benefits is the 50% point value boost that cardholders get when redeeming through the Chase Ultimate Rewards travel portal.
Who is it best for?
The Chase Sapphire Reserve is best for those who travel relatively frequently. With protection against canceled and delayed flights, access to 1,000+ airport lounges and an up to $100 Global Entry credit, those who travel internationally will enjoy this card. This card also increases the value of Chase Ultimate Rewards by 50% when redeeming through the Chase Travel Portal. This applies to rewards earned with any of their other credit cards, making it the ideal card to double up with a second Chase card with complimentary earning categories.
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Excellent
780
850
Details
- Earn 50,000 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®
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 50,000 points are worth $750 toward travel
- With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA PreCheck®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Pros
- Travel credit of up to $300 covering a flexible range of travel related purchases
- Airport lounge access through Priority Pass
- 50% value boost when redeeming points through Chase Travel Portal
- Long list of travel protection benefits
- Flexible and transferrable points
Cons
- $550 annual fee, and $75 annual fee per authorized user
- Low value welcome offer compared to other high end travel cards
Reward Rate
- Earn 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®.
- Earn 5x total points on air travel through Chase Ultimate Rewards®.
- Earn 3x points on other travel and dining.
- Earn 1 point per $1 spent on all other purchases
APR
16.99%-23.99% Variable
Credit Needed
Excellent
Foreign Transaction Fee
$0
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Citi Premier® Card
Annual fee
$95
Welcome offer
Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
Why we like it
The Citi Premier earns rewards that are valuable for all types of travel. It’s unique transfer partners allow for awesome redemptions, whether that’s for a domestic flight or for business class seats to Europe. It’s got a fantastic 3x earning rate on popular everyday spending categories, like supermarkets, gas stations, restaurants, air travel and hotels.
Who is it best for?
This card is great for those who aren’t fully invested in an airline or hotel loyalty program. The Citi Premier earns flexible points that can be cashed out, used towards hotel stays or rental cars, or even transferred to 16 different airline programs.
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
660
850
Details
- Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
- Earn 3 Points per $1 spent at Restaurants and Supermarkets
- Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
- Earn 1 Point per $1 spent on all other purchases
- Annual Hotel Savings Benefit
- 60,000 Points are redeemable for $600 in gift cards when redeemed at thankyou.com
- No expiration and no limit to the amount of points you can earn with this card
- No Foreign Transaction Fees on purchases
Pros
- 3x points at gas stations, restaurants, supermarkets, hotels and air travel
- $100 credit on any single-stay hotel booking of $500 or more (excluding taxes and fees) that is made through thankyou.com
- Welcome bonus enough for 4 round-trip tickets to Hawaii
- World Elite Mastercard benefits
Cons
- No travel insurance
- No purchase protection
- $95 annual fee
Reward Rate
- Earn 3 Points per $1 spent at Restaurants and Supermarkets
- Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
- Earn 1 Point per $1 spent on all other purchases
APR
15.99% – 23.99% (Variable)
Credit Needed
Good to Excellent
Foreign Transaction Fee
0%
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Southwest® Rapid Rewards® Performance Business Credit Card
Annual fee
$199
Welcome offer
Earn 80,000 points after you spend $5,000 on purchases in the first 3 months.
Why we like it
This card’s sizable welcome bonus will have you well on your way to qualifying for the Southwest Companion Pass, where a friend or relative flies with you for just the taxes and fees. Earn 4 points per dollar on Southwest purchases, 3 points per dollar on Rapid Rewards hotel and car partners, 2 points per dollar on rideshare, 2 points per dollar on social media advertising, internet and phone services, and 1 point per dollar on all other purchases.
Who is it best for?
This card provides a host of benefits to those who fly Southwest Airlines, including 4 upgraded boardings per year, annual Wi-Fi credits and a TSA PreCheck or Global Entry fee application credit. It also comes in handy for anyone who could benefit from the insurance it offers on travel accidents, lost luggage, baggage delays, and more.
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
660
850
Details
- Earn 80,000 points after you spend $5,000 on purchases in the first 3 months.
- 9,000 bonus points after your Cardmember anniversary.
- New! Earn 4X points on Southwest® purchases.
- Earn 3X points on Rapid Rewards® hotel and car partners.
- New! Earn 2X points on rideshare.
- Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.
- 4 Upgraded Boardings per year when available.
- Global Entry or TSA Pre✓® Fee Credit.
Pros
- Anniversary points awarded annually
- No foreign transaction fees
- Additional employee cards are free
Cons
- Annual fee
- Narrow range of rewards categories
Reward Rate
- New! Earn 4X points on Southwest® purchases.
- Earn 3X points on Rapid Rewards® hotel and car partners.
- New! Earn 2X points on rideshare.
- Earn 2X points on social media and search engine advertising, internet, cable, and phone services.
- 1X points on all other purchases.
APR
15.99% – 22.99% Variable
Credit Needed
Good to Excellent
Foreign Transaction Fee
$0
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Marriott Bonvoy Brilliant™ American Express® Card
Annual fee
$450
Welcome offer
Earn 75,000 Marriott Bonvoy bonus points after you use your new Card to make $3,000 in purchases within the first 3 months. Plus, earn up to $200 in Statement Credits for eligible purchases at U.S. Restaurants within the first 6 months of Card Membership.
Why we like it
The Bonvoy Brilliant offers an annual free night worth up to 50,000 points, which can net you a stay at hotels charging $400+ per night. It’s got a ton of other benefits too, including Priority Pass airport lounge access and up to $300 in statement credits at hotels participating in the Marriott Bonvoy program each cardmember year (enrollment required).
Who is it best for?
If you stay at Marriott hotels once or twice per year, this card can save you hundreds of dollar over what you’ll pay in annual fees. However, you’ll need to travel a handful of times each year to get the most from this card. The card grants access to 1,300+ airport lounges worldwide, but the vast majority are international.
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
660
850
Details
- Earn 75,000 Marriott Bonvoy bonus points after you use your new Card to make $3,000 in purchases within the first 3 months. Plus, earn up to $200 in Statement Credits for eligible purchases at U.S. Restaurants within the first 6 months of Card Membership.
- Enjoy up to $300 in statement credits each year of Card Membership for eligible purchases at hotels participating in the Marriott Bonvoy™ program.
- Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. 3 points at U.S. restaurants and on flights booked directly with airlines. 2 points on all other eligible purchases.
- Receive 1 free Night Award every year after your Card account anniversary. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy Points) at a participating hotel. Certain hotels have resort fees.
- Enjoy unlimited airport lounge visits when you enroll in Priority Pass™ Select membership.
- No Foreign Transaction Fees.
- $450 Annual Fee.
- Terms Apply.
- See Rates & Fees
Pros
- Highest welcome bonus of any Marriott card
- Annual free night at any hotel costing 50,000 points or less
- Automatic Marriott Gold elite status
- Priority Pass airport lounge access (enrollment required)
- 15 elite night credits per calendar year
Cons
- High annual fee
- Can only receive the welcome bonus once per lifetime
Reward Rate
- Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program.
- 3 points at U.S. restaurants and on flights booked directly with airlines.
- 2 points on all other eligible purchases.
APR
15.74%-24.74% Variable
Credit Needed
Good to Excellent
Foreign Transaction Fee
None
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Blue Cash Preferred® Card from American Express
Annual fee
$0 introductory annual fee for the first year, then $95.
Welcome offer
Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
Why we like it
This card offers an easily attainable intro bonus. But the best part is that it pays a generous 6% cash back on everyday purchases like groceries at U.S. supermarkets (on up to $6,000 spent per calendar year; then 1%) and select U.S. streaming subscriptions. You’ll also earn 3% cash back at U.S. gas stations and on transit purchases.
Who is it best for?
If you prefer cash-back rewards, and if you spend a good amount on groceries, gas, streaming services, and transit, this card will be a valuable addition to your wallet. It’s a useful card for anyone who wants to earn and spend rewards on non-travel categories.
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good
660
780
Details
- Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 12 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
- 1% Cash Back on other purchases.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
- Terms Apply.
- See Rates & Fees
Pros
- High return rate on everyday purchases
- Earns the most flexible rewards currency, cash back
Cons
- Annual fee after the first year
Reward Rate
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
- 6% Cash Back on select U.S. streaming subscriptions
- 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
- 3% Cash Back at U.S. gas stations
- 1% Cash Back on other purchases
APR
13.99%-23.99% Variable
Credit Needed
Good
Foreign Transaction Fee
2.7% of each transaction after conversion to US dollars.
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United℠ Explorer Card
Annual fee
$0 Intro for First Year, then $95
Welcome offer
Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
Why we like it
This card makes you immune to most Basic Economy fare restrictions. You’ll receive preferred boarding, you can bring a free carry-on bag and you can bring a free checked bag (when paying for your ticket with the card — even award flight taxes and fees qualify). So you can buy the cheapest tickets United sells without being treated like cattle.
Who is it best for?
Anyone who checks a bag with United even a couple times per year will benefit from this card. Plus, if you’ve got a stash of United miles, the card opens up secret award inventory for you — award seats that only cardholders can see!
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
660
850
Details
- Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
- $0 introductory annual fee for the first year, then $95
- Earn 2 miles per $1 spent on dining, hotel stays, and United purchases
- Up to $100 Global Entry or TSA PreCheck® fee Credit
- 25% back on United inflight purchases
- Check your first bag for free (a savings of up to $140 per roundtrip) when you use your card to purchase your ticket
- Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
- Earn 2 miles per $1 spent on dining including eligible delivery services
Pros
- Complimentary checked bags for you and one person on your reservation (when using your card for the reservation)
- Preferred boarding
- Increased award availability
- TSA PreCheck/Global Entry credit (worth up to $100)
- Excellent travel coverage (including primary rental car insurance)
- (2) one-time United Club lounge passes each year
Cons
- Mediocre mileage earning rates for spend
Reward Rate
- Earn 2 miles per $1 spent on dining, hotel stays, and United purchases
- Earn 2 miles per $1 spent on dining including eligible delivery services
- 1 mile per $1 spent on all other purchases
APR
16.49% to 23.49% Variable
Credit Needed
Good to Excellent
Foreign Transaction Fee
$0
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Chase Freedom Unlimited®
Annual fee
$0
Welcome offer
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!
Why we like it
The Chase Freedom Unlimited gives you an easy-to-earn welcome bonus when you meet the spending requirement, and it also awards you 5% cash back on travel, 3% back on dining and drugstore spending, and 1.5% back on all other purchase categories. There’s conveniently no annual fee, which can be rare for a rewards credit card. If you have an eligible Chase card that earns Chase Ultimate Rewards points, you can convert your cash back into points that can transfer to valuable hotel and airline partners.
Who is it best for?
This all-purpose card is great for anyone who wants a highly attainable welcome bonus and no annual fee. Unlike many similar cards, it provides cash back on absolutely all purchases, with larger percentages earned on travel and various everyday spending categories. It’s also a great compliment to someone looking to beef up their Chase credit card portfolio.
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
660
850
Details
- 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!
- Enjoy 6.5% 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; 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 purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.99% – 23.74%.
- No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Pros
- No annual fee
- No minimum for cash back redemption
- Offers insurance on trip cancellation or interruption
- Great earning rates on non-bonused spend
Cons
- Incurs 3% foreign transaction fees
Reward Rate
- Enjoy 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;
- 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
- 1.5% on all other purchases
APR
14.99% – 23.74% Variable
Credit Needed
Good to Excellent
Foreign Transaction Fee
3% of each transaction in U.S. dollars
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Ink Business Preferred® Credit Card
Annual fee
$95
Welcome offer
Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That’s $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
Why we like it
The Ink Business Preferred is the best small business card on the market thanks to its gargantuan welcome bonus and ongoing benefits that can save literally $1,000+ per year. It provides primary coverage when renting a car for business purposes (a potential $12+ per day savings over purchasing in-house rental insurance), it gives you $600 in cell phone coverage simply for using the card paying your phone bill, and it earns 3x points on travel (on up to $150,000 in combined purchases per account anniversary year).
Who is it best for?
This card is best for small business owners and anyone who pays out-of-pocket for cell phone insurance. If you fly Southwest or United, or if you stay wit Hyatt, the rewards this card accrues can also be transferred to valuable travel partners like these.
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
660
850
Details
- Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That’s $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
- With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information
- Redeem points for cash back, gift cards, travel and more – your points don’t expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Pros
- Best publicly available welcome bonus of any card
- Great return for travel and various business expenses
- Complimentary cell phone insurance
- Excellent travel and purchase protections
Cons
- You must have a for-profit venture to qualify
- High minimum spending requirement to earn welcome offer
- $95 annual fee
Reward Rate
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
- Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn
APR
15.99%-20.99% Variable
Credit Needed
Good to Excellent
Foreign Transaction Fee
$0
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American Express® Business Gold Card
Annual fee
$295
Welcome offer
Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
Why we like it
This versatile card comes with a welcome bonus that’s easy for most mid to large-sized businesses to attain. In addition, it automatically awards 4x points on the two categories for which your business spent the most during each billing cycle. Available purchase categories include select airfare, advertising, shipping, and computer hardware and software, as well as purchases at gas stations and restaurants. It also pays out 1 point per dollar on all other purchases.
Who is it best for?
This is a convenient card for business owners who don’t want to bother keeping track of rotating bonus categories each month. The wide range of bonus categories makes this card valuable for nearly any business.
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
660
850
Details
- Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
- **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
- Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
- Pay Over Time Option: Decide whether you want to pay eligible purchases in full each month-or pay over time with interest.*
- *Terms Apply
- See Rates & Fees
Pros
- Generous return of up to 4 Amex points per dollar on select purchases
- Up to 99 employee cards per account for a nominal fee
- Baggage, trip delay, and rental car insurance on purchases with the card
Cons
- Considerable annual fee
- Does not provide statement credits
Reward Rate
- Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month.
- 1X is earned for other purchases. **
APR
14.24% – 22.24% Variable
Credit Needed
Good to Excellent
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Ink Business Cash® Credit Card
Annual fee
$0
Welcome offer
Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
Why we like it
This card is perhaps the single best credit card for earning Chase Ultimate Rewards points. Though its highest bonus category is a little on the obscure side (purchases at office supply stores, on cellular phone, landline, internet and cable TV services), you can earn 5% cash back on the first $25,000 spent in combined purchases on these things each account anniversary year. And you can often buy things at office supply stores that aren’t just office supplies!
Who is it best for?
This card is best for small business owners looking for a steady flow of Chase Ultimate Rewards points. It’s especially powerful if you pair it with the Chase Sapphire Reserve®, Chase Sapphire Preferred® Card, or Ink Business Preferred — you can pool your Chase points onto one of those cards and then transfer them to valuable Chase’s transfer partners!
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
660
850
Details
- Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
- With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
- 0% introductory APR for 12 months on purchases
Pros
- Huge cash-back intro bonus
- Primary rental car insurance (when renting for business purposes)
- One of the best return rates of any credit card
- No annual fee
Cons
- The card incurs foreign transaction fees
- You must have a small business to qualify (but things like dog-walking, Uber, freelance writing, babysitting, etc. count)
Reward Rate
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
- Earn 1% cash back on all other card purchases with no limit to the amount you can earn
APR
13.24% – 19.24% Variable
Credit Needed
Good to Excellent
Foreign Transaction Fee
3% of each transaction in U.S. dollars.
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Ink Business Unlimited® Credit Card
Annual fee
$0
Welcome offer
Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
Why we like it
This is a straightforward no-annual-fee card that offers an astronomical cash back welcome bonus. It pays out an unlimited 1.5% cash back on all purchases, which is middle of the road. However, if you have certain other Chase cards, you can convert your cash back into Chase points, which are worth significantly more! Based on our points valuations, you’ll get an effective return of 2.55 cents per dollar when you convert your cash to Chase points.
Who is it best for?
This is a small business card, so it’s best for those with a for-profit venture (which includes side-gigs as simple as freelance writing, Uber, or dog walking). Anyone who doesn’t want to keep track of bonus categories will appreciate this simple cash back card. You can redeem your rewards as statement credits or use them in the form of points to book travel through the Chase Travel Portal.
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Poor
300
600
Details
- Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
- With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information
- 0% introductory APR for 12 months on purchases
Pros
- No annual fee
- Fraud protection on card transactions
- Earns Chase points (our favorite rewards currency!)
Cons
- Has a foreign transaction fee
- You must have some kind of small business
Reward Rate
- Earn unlimited 1.5% cash back on every purchase made for your business
APR
13.24% – 19.24% Variable
Credit Needed
Poor
Foreign Transaction Fee
3% of each transaction in U.S. dollars.
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IHG® Rewards Club Traveler Credit Card
Annual fee
$0
Welcome offer
Earn 80,000 bonus points after spending $2,000 on purchases within the first three months of account opening
Why we like it
This no-annual fee card offers a decent sign-up bonus and a high number of points per dollar spent at IHG hotels. Plus, it gives you the fourth reward night free when booking four or more consecutive award nights. That’s up to 25% off award stays!
Who is it best for?
This card is a good bet for anyone wanting to dip their toe in the miles and points world with zero risk involved. The card doesn’t have an annual fee, and its bonus is enough for a couple nights in a respectable hotel. It’s a convenient option for IHG loyalists who want to avoid an annual fee and still earn plenty of points when staying at the brand’s hotels.
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
660
850
Details
- Earn 80,000 bonus points after spending $2,000 on purchases within the first three months of account opening
- No Annual Fee
- Earn up to 15 points total per $1 spent when you stay at an IHG hotel
- Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants. Earn 1 point per $1 spent on all other purchases
- No Foreign Transaction Fees
- Fourth Reward Night Free
- IHG Rewards Club Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
Pros
- No annual fee
- Automatic Platinum elite status
- No foreign transaction fees
Cons
- IHG points have a relatively low value compared to those issued by competitors.
- No annual free night’s stay
Reward Rate
- Earn up to 15 points total per $1 spent when you stay at an IHG hotel.
- Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants. Earn 1 point per $1 spent on all other purchases.
APR
15.99% – 22.99% Variable
Credit Needed
Good to Excellent
Foreign Transaction Fee
$0
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The Blue Business® Plus Credit Card from American Express
Annual fee
No annual fee
Welcome offer
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
Why we like it
This card earns 2x points per dollar on the first $50,000 in business purchases per year (with 1x point thereafter). That’s an excellent deal for a card that carries no annual fee. Amex Membership Rewards points are valuable when you transfer them directly to any of the Amex transfer partners to book award travel. We estimate Amex points value to be 1.8 cents each — so earning 2 points per dollar is like getting a 3.6% return on all purchases!
Who is it best for?
This card is popular among small business owners who want a respectable rewards-earning rate across all categories without worrying about bonus categories or annual fees. Although it has a set credit limit, business owners who occasionally need to make large purchases will appreciate that Amex offers the ability to spend above your limit.
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
660
850
Details
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express, and other factors.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% – 19.24%, based on your creditworthiness and other factors at account opening.
- No Annual Fee
- Terms Apply
- See Rates & Fees
Pros
- No annual fee
- Solid earning rate
- Extended warranty protection
- Travel accident insurance
Cons
- Lower points-earning rate after spending $50,000 per year
Reward Rate
- Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners
- 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter
APR
13.24% – 19.24% Variable
Credit Needed
Good to Excellent
Foreign Transaction Fee
2.7% of each transaction after conversion to US dollars.
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IHG® Rewards Club Premier Credit Card
Annual fee
$89
Welcome offer
Earn 125,000 bonus points after spending $3,000 on purchases within the first three months of account opening
Why we like it
You’ll likely score several reward nights at IHG hotels by earning this card’s welcome bonus (potentially 10+ nights, depending on where you stay!). The card’s best feature, however, is its ongoing benefit of one Reward Night worth up to 40,000 IHG points every cardmember year. This could easily be worth $200+ toward a hotel stay. You’ll also get the fourth reward night reward when you redeem points for a stay of four nights or more.
Who is it best for?
Anyone who stays at IHG hotels frequently will appreciate this card’s plentiful opportunities for earning free nights. If you’re interested in perks like complimentary room upgrades and accelerated bonus earnings, you’ll get those with this card, which comes with automatic Platinum IHG status.
And if you’re a big spender, you’ll get 10,000 bonus points after you spend $20,000 on purchases and make one additional purchase each account anniversary year.
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
660
850
Details
- Earn 125,000 bonus points after spending $3,000 on purchases within the first three months of account opening
- Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for any stay of 4 or more nights
- Earn up to 25 points total per $1 spent when you stay at an IHG hotel
- Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants. Earn 1 point per $1 spent on all other purchases
- Platinum Elite status as long as you remain a Premier card member
- Global Entry or TSA Pre✓® Fee Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
- IHG Rewards Club Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
Pros
- Global Entry or TSA PreCheck application credit
- Automatic Platinum IHG status
- No foreign transaction fee
Cons
- Annual fee
- Limited point-redemption options
Reward Rate
- Earn up to 25 points total per $1 spent when you stay at an IHG hotel.
- Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants.
- Earn 1 point per $1 spent on all other purchases.
APR
15.99% – 22.99% Variable
Credit Needed
Good to Excellent
Foreign Transaction Fee
$0
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Marriott Bonvoy Boundless® Credit Card
Annual fee
$95
Welcome offer
Earn 3 Free Nights after spending $3,000 on purchases in your first 3 months from account opening
Why we like it
This card comes with a free night certificate worth 35,000 Marriott points each year after renewal. That perk alone makes the annual fee worth paying, as you can get hundreds of dollars of value from it. It also comes with 15 elite night credits every year, meaning it’s significantly easier to achieve elite status.
Who is it best for?
This is great for anyone who stays at a Marriott at least once a year, especially those who can take advantage of the free night this card offers.
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
660
850
Details
- Earn 3 Free Nights (each night valued up to 50,000 points) after qualifying purchases + 10X total points on eligible purchases in select categories.
- 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
- Earn up to 17X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
- 2X Bonvoy points for every $1 spent on all other purchases.
- Automatic Silver Elite Status each account anniversary year. Path to Gold Status when you spend $35,000 on purchases each account year.
- 15 Elite Night Credits each calendar year.
- No Foreign Transaction Fees.
- Earn unlimited Marriott Bonvoy points and get Free Night Stays faster.
Pros
- Solid earning rate for spending at Marriott hotels
- Free night at select Marriott hotels every cardmember anniversary
- Automatic Marriott Silver elite status
- 15 elite night credits per year
Cons
- Approval rules slightly convoluted
Reward Rate
- Earn up to 17X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
- 2X Bonvoy points for every $1 spent on all other purchases.
APR
15.99% – 22.99% Variable
Credit Needed
Good to Excellent
Foreign Transaction Fee
$0
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Delta SkyMiles® Gold American Express Card
Annual fee
$0 introductory annual fee for the first year, then $99.
Welcome offer
Earn 40,000 Bonus Miles after you spend $1,000 in purchases on your new Card in your first 3 months.
Why we like it
The card’s main feature is its ability to grant you and up to eight passengers on your reservation free checked bags. Bags cost $30+ each way, so if you and a travel buddy check a bag with Delta on just a single round-trip flight each year, the card is worth keeping.
Who is it best for?
The Amex Delta Gold carries a very reasonable annual fee. If you aren’t a frequent Delta traveler, this is a good card to begin with.
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
660
850
Details
- Earn 40,000 Bonus Miles after you spend $1,000 in purchases on your new Card in your first 3 months.
- Plus, earn up to $50 back in statement credits for eligible purchases at U.S. restaurants with your card within the first 3 months of membership.
- Enjoy your first checked bag free on Delta flights.
- Earn 2X Miles on Delta purchases, at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
- Earn 1X Mile on all other eligible purchases.
- $100 Delta Flight Credit: After you spend $10,000 in purchases on your card in a calendar year, receive a Credit to use toward future travel.
- Enjoy a $0 introductory Annual Fee for the first year, then $99.
- Terms Apply.
- See Rates & Fees
Pros
- Manageable annual fee
- Preferred boarding
- Free checked bags
- Low minimum spending requirement
- Amex Offers
Cons
- Mediocre return rate for everyday spending
- No wow-factor benefits like you’ll find on most other Delta cards
Reward Rate
- Earn 2X Miles on Delta purchases, at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
- Earn 1X Mile on all other eligible purchases.
APR
15.74%-24.74% Variable
Credit Needed
Good to Excellent
Foreign Transaction Fee
None
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The World of Hyatt Credit Card
Annual fee
$95
Welcome offer
Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent
Why we like it
This card’s full welcome bonus gives you potentially 12 free nights at Hyatt hotels (depending on where you stay). Plus, you’ll receive a free night at any Category 1-4 Hyatt hotel after each cardmember anniversary, and another identical free night after spending $15,000 in a cardmember year. You’ll even get Hyatt Discoverist status as long as your card is active!
Who is it best for?
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good
660
780
Details
- Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent
- Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
- Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
- Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
- Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
- Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
- Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
- Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
Pros
- Up to 2 annual free nights at Category 1-4 Hyatt hotels
- Excellent travel and purchase insurance coverage
- No blackout dates on hotel stays booked with points
- Complimentary World of Hyatt Discoverist elite status
Cons
- Annual Fee
Reward Rate
- Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
- Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
APR
15.99% – 22.99% Variable
Credit Needed
Good
Foreign Transaction Fee
$0
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Marriott Bonvoy Business™ American Express® Card
Annual fee
$125
Welcome offer
Welcome Offer: Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in eligible purchases within the first 3 months of Card Membership. Plus, earn up to $150 back in statement credits on eligible purchases made on your new Card within the first 3 months of Card Membership.
Why we like it
This business card delivers a generous welcome bonus when you complete the required spending, and it rewards you 6 points per dollar at hotels participating in the Marriott Bonvoy program. You’ll also get 4 points per dollar on purchases at U.S. restaurants and U.S. gas stations, as well as 2 points per dollar on all other purchases. You’ll receive an annual free-night certificate for a hotels participating in the Marriott Bonvoy program every cardmember anniversary, with the ability to earn a second free night each year when you reach a set spending threshold.
Who is it best for?
Thanks to versatile travel-related redemption options, this card is good for small business owners who like to redeem points for things like Marriott hotel stays, airfare, car rentals, wireless phone services and travel packages.
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
660
850
Details
- Welcome Offer: Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in eligible purchases within the first 3 months of Card Membership. Plus, earn up to $150 back in statement credits on eligible purchases made on your new Card within the first 3 months of Card Membership.
- 6x points at hotels participating in the Marriott Bonvoy™ program.
- 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases.
- Receive 1 Free Night Award every year after your Card account anniversary. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at hotels participating in the Marriott Bonvoy™ program. Certain hotels have resort fees.
- Enjoy complimentary Marriott Bonvoy Silver Elite status with your Card. Plus, earn Gold Elite status after making $35,000 in eligible purchases on your Card in a calendar year.
- Terms apply.
- See Rates & Fees
Pros
- 1 free night per cardmember anniversary
- 15 elite night credits per year
- Complimentary Silver Elite status
Cons
- Annual fee
- Points are only redeemable for travel-related purchases
Reward Rate
- 6x points at hotels participating in the Marriott Bonvoy™ program.
- 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
- 2x points on all other eligible purchases.
APR
15.74% – 24.74% Variable
Credit Needed
Good to Excellent
Foreign Transaction Fee
None
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Delta SkyMiles® Platinum American Express Card
Annual fee
$250
Welcome offer
Earn 50,000 Bonus Miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $2,000 in purchases on your new Card in your first 3 months.
Why we like it
This card’s got a secret weapon that most airline credit cards don’t have: An annual companion certificate. You can add one passenger to a domestic round-trip flight reservation for just the cost of taxes and fees of no more than $75. Depending on how expensive your flight is, this will likely save hundreds and hundreds of dollars!
Who is it best for?
Both casual and more frequent Delta flyers can get fantastic use from this card. By simply using the annual companion certificate each year, you’re practically guaranteed to save hundreds more than you’ll pay in annual fees.
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
660
850
Details
- Earn 50,000 Bonus Miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $2,000 in purchases on your new Card in your first 3 months.
- Plus, earn up to $100 back in statement credits for eligible purchases at U.S. restaurants with your card within the first 3 months of membership.
- Earn up to 20,000 Medallion® Qualification Miles (MQMs) with Status Boost® per year. After you spend $25,000 in purchases on your Card in a calendar year, you can earn 10,000 MQMs two times per year, getting you closer to Medallion® Status. MQMs are used to determine Medallion® Status and are different than miles you earn toward flights.
- Earn 3X Miles on Delta purchases and purchases made directly with hotels.
- Earn 2X Miles at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
- Earn 1X Miles on all other eligible purchases.
- Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. *Payment of the government imposed taxes and fees of no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
- Enjoy your first checked bag free on Delta flights.
- Fee Credit for Global Entry or TSA Pre✓®.
- Enjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club® for you and up to two guests when traveling on a Delta flight.
- No Foreign Transaction Fees.
- $250 Annual Fee.
- Terms Apply.
- See Rates & Fees
Pros
- Highest welcome bonus of all Delta credit cards
- Free checked bags
- Annual companion certificate
- Discounted Delta Sky Club airport lounge access
- Ability to earn Delta elite status through spend
Cons
- Higher annual fee
- Low earnings rate on everyday spending
Reward Rate
- Earn 3X Miles on Delta purchases and purchases made directly with hotels.
- Earn 2X Miles at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
- Earn 1X Miles on all other eligible purchases.
APR
15.74%-24.74% Variable
Credit Needed
Good to Excellent
Foreign Transaction Fee
None
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Citi® / AAdvantage® Executive World Elite Mastercard®
Annual fee
$450
Welcome offer
Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening.
Why we like it
There’s really one main reason to get this card: Airport lounge access. You’ll get American Airlines Admirals Club lounge access — a perk that otherwise costs $650 annually. You’ll also get benefits like priority check-in and priority boarding for American Airlines flights. And the current welcome bonus could cover the cost of two round-trip flights within the U.S.
Who is it best for?
If you’re considering purchasing Admirals Club lounge access, this card is a no-brainer. Its annual fee is nothing to sneeze at, but it’s hundreds of dollars less than outright purchasing an Admirals Club membership. Additionally, you can add up to 10 authorized users for free — and they’ll get lounge access, too!
The Citi Executive also comes with all the standard airline perks, such as the first checked bag free for you and up to eight companions, and bonus miles when using your card for AA purchases.
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
660
850
Details
- Earn 50,000 American Airlines AAdvantage® Bonus Miles after spending $5,000 in purchases within the first 3 months of account opening
- Admirals Club® membership for you and access for up to two guests or immediate family members traveling with you
- No Foreign Transaction Fees on purchases
- Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases
- First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation
- The standard variable APR for Citi Flex Plan is 15.99% – 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
Pros
- Priority check-in on American Airlines flights
- First checked bag free on American Airlines flights
- Admirals Club airport lounge access
- Great authorized user benefits
Cons
Reward Rate
- 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
- 1 AAdvantage® miles for every $1 spent on other purchases
APR
15.99% – 24.99% (Variable)
Credit Needed
Good to Excellent
Foreign Transaction Fee
0%
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Chase Freedom Flex℠
Annual fee
$0
Welcome offer
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Why we like it
This all-purpose cash back card comes with an easy-to-attain welcome bonus, plus it awards you 5% cash back on up to $1,500 in combined purchases in bonus categories that rotate each quarter. In addition, you’ll always receive 5% cash back on travel purchases through Chase Ultimate Rewards, 3% back on dining and drugstore purchases, and 1% back on everything else. If you have an eligible Chase card that earns Chase Ultimate Rewards points, you can convert your cash back into points that can transfer to valuable hotel and airline partners.
Who is it best for?
This card is ideal for anyone who likes to squeeze in the most rewards for all purchases, thanks to the set cash back percentages on travel, dining, drugstore, and other purchase categories, as well as the rotating quarterly 5% cash back on categories like wholesale clubs, streaming services, home improvement stores, and gas stations. It’s also a great compliment to someone looking to beef up their Chase credit card portfolio.
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
660
850
Details
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
- 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
- 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.99% – 23.74%.
- No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
- Keep tabs on your credit health – Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Pros
- No annual fee
- Offers insurance on damaged or stolen cell phones
- 5% back on rotating categories
Cons
- Online activation is required every 3 months in order to receive cash back on the latest bonus categories
Reward Rate
- 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
- 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
- 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
- Unlimited 1% cash back on all other purchases.
APR
14.99% – 23.74% Variable
Credit Needed
Good to Excellent
Foreign Transaction Fee
3% of each transaction in U.S. dollars
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The Business Platinum Card® from American Express
Annual fee
$695
Welcome offer
Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
Why we like it
This card has many central features that make the card worthwhile to just about anyone — but one of the funnest aspects is its offer of comprehensive lounge access. There is no card in existence that grants you entry into more airport lounges (enrollment required), including the famous Centurion Lounges located in many domestic hub airports like San Francisco, Dallas, New York, Denver, etc.
Who is it best for?
You’ll likely need a credit score of 730+ to be approved for this card — and you’ll also need to own a small business to qualify. But you may be eligible without even realizing it! You don’t need to be running a full-time enterprise to qualify for the best business credit cards. Freelance writing on the side, driving for Uber or Lyft, dog walking, or freelance art, etc. can qualify as long as you’re not doing the job as an employee.
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
660
850
Details
- Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
- Plus, 0% Intro APR for 12 months from the date of the account opening on purchases eligible for Pay Over Time. After that, your APR will be 14.24% to 22.24% based on your credit worthiness and other factors as determined at the time of account opening.
- Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
- Unlock over $1,000 in value per year for statement credits on select purchases with your Card, including up to $400 with Dell Technologies, up to $360 with Indeed, up to $150 with Adobe and up to $120 on wireless telephone purchases. Enrollment required.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year toward baggage fees and more at one qualifying airline.
- $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
- The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
- $695 Annual Fee.
- Terms Apply.
- See Rates & Fees
Pros
- 5X points on flights and prepaid hotels on amextravel.com
- 1.5x points on eligible purchases in select business categories and on eligible purchases of $5,000 or more; on up to $2 million of these purchases per calendar year.
- Enroll to earn up to $400 in statement credits annually on U.S. purchases with Dell Technologies
Cons
- High annual fee
- You must have a for-profit venture to qualify
Reward Rate
- Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com
- Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year
- 1X points for each dollar you spend on eligible purchases.
APR
14.24% – 22.24% Variable
Credit Needed
Good to Excellent
Foreign Transaction Fee
N/A
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Wells Fargo Active Cash℠ Card
Annual fee
$0
Welcome offer
Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
Why we like it
It offers a nice sign-up bonus and a decent introductory APR period. It also offers a good cash back return on purchases.
Who is it best for?
This card is ideal for anyone looking for a simple cash back earning card with no annual fee. It offers a lengthy introductory APR offer and cash rewards on purchases without having to keep track of specific bonus categories or timeframes.
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
660
850
Details
- Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
- Earn unlimited 2% cash rewards on purchases
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 14.99% to 24.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
- $0 annual fee
- No category restrictions or sign ups and cash rewards don’t expire as long as your account remains open
- Enjoy a premium collection of benefits at a selection of the world’s most intriguing and prestigious hotel properties with Visa Signature Concierge
- Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Active Cash℠ Card
- Select “Apply Now” to learn more about the product features, terms and conditions
Pros
- Decent sign-up bonus
- Intro APR offer
Cons
- Charges a foreign transaction fee.
Reward Rate
- Earn unlimited 2% cash rewards on purchases
APR
14.99%-24.99% Variable APR
Credit Needed
Good to Excellent
Foreign Transaction Fee
3%
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Chase Freedom® Student credit card
Annual fee
$0
Welcome offer
$50 Bonus after first purchase made within the first 3 months from account opening
Why we like it
This is a good beginner card for students with no annual fee, a simple cash back structure and even includes a sign-up bonus.
Who is it best for?
This card is good for students looking to enter the credit card sphere and also earn cash back in the process.
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
660
850
Details
- $50 Bonus after first purchase made within the first 3 months from account opening
- Earn 1% cash back on all purchases
- No annual fee
- $20 Good Standing Rewards after each account anniversary for up to 5 years
- Earn a credit limit increase after making 5 monthly payments on time within 10 months from account opening when meeting credit criteria
- No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
- Free credit score with Chase Credit Journey
Pros
- No annual fee
- Opportunity for credit limit increase
Cons
- Minimal cash back return
Reward Rate
- Earn 1% cash back on all purchases plus $20 Good Standing Rewards after each account anniversary for up to 5 years
APR
14.99% Variable
Credit Needed
Good to Excellent
Foreign Transaction Fee
3% of each transaction in U.S. dollars
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Why we like it
The card offers a straightforward cash back structure and is a good card for students.
Who is it best for?
This is a good card for students who are looking for a simple cash back card.
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Fair
600
660
Details
- Whether you’re at a 4-year university, community college or other higher education institution, this card might be an option for you
- Earn unlimited 1.5% cash back on every purchase, every day
- Enjoy no annual fee, foreign transaction fees, or hidden fees
- You can help build your credit with responsible use of a card like this
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won’t expire for the life of the account and there’s no limit to how much you can earn
- Be automatically considered for a higher credit line in as little as 6 months
- $0 fraud liability if your card is ever lost or stolen
- Set up Autopay for your account and your payments will be made automatically every month
Pros
- Earns decent cash back on a variety of categories
- No annual fee or foreign transaction fees
Cons
- Doesn’t offer a sign-up bonus
- High variable APR
Reward Rate
- Earn unlimited 1.5% cash back on every purchase, every day
APR
26.99% (Variable)
Credit Needed
Fair
Foreign Transaction Fee
None
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Why we like it
The card offers great cash back returns for a no annual fee card.
Who is it best for?
It’s a good starter card for a student who may have little to no income or credit history.
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Fair
600
660
Details
- Whether you’re at a 4-year university, community college or other higher education institution, this card might be an option for you
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), with 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023
- Enjoy no annual fee, foreign transaction fees, or hidden fees
- You can help build your credit with responsible use of a card like this
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won’t expire for the life of the account and there’s no limit to how much you can earn
- Be automatically considered for a higher credit line in as little as 6 months
- $0 fraud liability if your card is ever lost or stolen
- Set up Autopay for your account and your payments will be made automatically every month
Pros
- Good cash back return in select categories
- No annual fee or foreign transaction fees
Cons
- Doesn’t offer a sign-up bonus
Reward Rate
- Earn 8% cash back on tickets at Vivid Seats through January 2023.
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®).
- Earn 1% on all other purchases.
APR
26.99% (Variable)
Credit Needed
Fair
Foreign Transaction Fee
None
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