Credit Cards

Do Banks Match New Welcome Offers For Recent Card Applicants?

Do Banks Match Welcome Offers?  Every time a new elevated offer comes out on one of our ToP credit cards, we hear the same question immediately. Do banks match welcome offers? And will the bank match me to the newest offer on a particular card? It's an understandable question—especially when all-time high offers recently landed…
Deals

125K Hilton Timeshare Presentation Offer: Stays in Hawaii, Scottsdale, Washington, D.C., Orlando + More

New Hilton Timeshare Presentation Offer Time after timeshare presentation. After a busy spring of massive Hilton timeshare presentation offers, yet another one dropped this morning. H/T to ToP Facebook group…

New Citi Travel Offer
CitiDeals

(Targeted) $75 Off Citi Travel Bookings With New Offer

New Citi Travel Offer Select cardholders are being targeted for a new Citi Travel offer for $75 in savings on hotel bookings. While we regularly list reasons not to use…

Card Reviews

(New Offer) World of Hyatt Credit Card Review: Is It Still The Best Hotel Card?

World of Hyatt Credit Card Review Almost all award travelers know the value of Hyatt. It is the favorite hotel program for many value-minded award travelers. Keeping that foundation in…

ToP Cards Under 5/24

#1

Chase Sapphire Preferred® Card

Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

  • 3x points on dining, gas, vacation homes & online grocery
  • 2x points on travel
  • Up to $100 for hotel stays through Chase Travel each account anniversary year
Annual Fee: $95
#2

Chase Sapphire Reserve®

Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.

  • 4x on hotels and airlines booked direct
  • $300 annual travel credit
  • Priority Pass Select membership
Annual Fee: $795
#3

The New Sapphire Reserve for Business℠

Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.

  • 4x on flights and hotels booked direct
  • 3x on online advertising
  • up to $2,500+ in annual credits
Annual Fee: $795
#4

Ink Business Cash® Credit Card

$1,000/100,000 Ultimate Rewards after spending $8,000 within 4 months, with no annual fee.

  • 5% cash back at office supply stores, internet, cable TV, mobile phones, and landlines, on the first $25,000 spent in combined purchases
  • 2% cash back on the first $25,000 in combined purchases at gas stations and restaurants each year
Annual Fee: No Annual Fee
#5

Ink Business Unlimited® Credit Card

$1,000/100,000 Ultimate Rewards after spending $8,000 within 4 months, with no annual fee.

  • Unlimited 1.5% cash back on every purchase made for your business
  • Employee cards at no additional cost
Annual Fee: No Annual Fee
#6

Ink Business Preferred® Credit Card

100,000 Ultimate Rewards after $8,000 spend in 3 months.

  • 3x points on travel
  • 3x on shipping purchases and internet, cable, and phone services
  • Cell phone protection
Annual Fee: $95
#7

United℠ Business Card

Earn 100,000 bonus miles and 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open.

  • Two United Club passes per year
  • Complimentary first checked bag
  • 25% back on in-flight purchases
Annual Fee: $150
#8

United Club℠ Card

Earn up to 110,000 bonus miles: Earn 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening, plus another 10,000 bonus miles for adding an authorized user in the first 3 months.

  • United Club membership
  • Complimentary first and second checked bags
  • Earn PQPs towards elite status
Annual Fee: $695
#9

World of Hyatt Business Credit Card

60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.

  • 4x points at Hyatt properties and $100 in Hyatt statement credits
  • 2x points per $1 spent in 3 top spending categories each quarter
  • 5 elite night credits for every $10,000 spent on the card
Annual Fee: $199
#10

British Airways Visa Signature® Credit Card

Earn 75,000 Avios after you spend $5,000 on purchases within the first 3 months of account opening.

  • 5x Avios points on British Airways
  • 10% discount on British Airways flights
  • Reward flight statement credit
Annual Fee: $95
#11

Iberia Visa Signature® Credit Card

Earn 75,000 Avios After $5,000 Spend In The First 3 Months.

  • 5x Avios points on Iberia
  • 10% discount on Iberia flights
  • Iberia $1,000 flight discount voucher
Annual Fee: $95
#12

Aer Lingus Visa Signature® Credit Card

Earn 75,000 Avios after $5,000 spend in the first 3 months.

  • 5x Avios points on Aer Lingus
  • Annual companion certificate
  • Priority boarding on Aer Lingus flights
Annual Fee: $95
#13

Aeroplan® Card

Earn 60,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

  • 3x points on Air Canada purchases
  • 3x points on groceries and dining
  • Automatic Aeroplan 25K Status
Annual Fee: $95
#14

United Quest℠ Card

Earn 60,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.

  • Up to $125 in statement credits each account anniversary year as reimbursement for United purchases
  • Complimentary first and second checked bags
  • 25% back on in-flight purchases
Annual Fee: $350
#15

IHG One Rewards Premier Credit Card

Earn 140,000 Bonus Points after spending $3,000 in the first 3 months from account opening.

  • 10x points at IHG hotels
  • IHG Rewards Club Platinum status
  • Anniversary free night
Annual Fee: $99
#16

Marriott Bonvoy Boundless® Credit Card

Earn up to 125,000 Bonus Points + 1 Free Night Award (up to 50,000 points) after spending $3,000 on qualifying purchases in the first 3 months. Plus, earn up to $100 in airline credits with a special offer through 6/30/2027.

  • 6x points at Marriott properties
  • Annual free night award (up to 35,000 points)
  • 15 elite nights towards status annually
Annual Fee: $95
#17

Southwest Rapid Rewards® Performance Business Credit Card

Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.

  • 4x points on Southwest purchases
  • – Standard or Preferred Seat Selection at booking (when available)- Extra Legroom seats within 48 hours prior to departure (when available)
  • Anniversary bonus points
Annual Fee: $299
#18

World of Hyatt Credit Card

Earn up to 75,000 Bonus Points: Earn 45,000 Bonus Points after you spend $5,000 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.

  • 4x points at Hyatt properties
  • Annual free night certificate (Category 1-4)
  • Complimentary Discoverist status
Annual Fee: $95
#19

United℠ Explorer Card

Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.

  • Complimentary first checked bag
  • Priority boarding
  • 25% back on in-flight purchases
Annual Fee: $0 for the first year, then $150
#20

Chase Freedom Flex® Credit Card

$200 / 20,000 Ultimate Rewards for $500 spend in 3 months.

  • 5% back in rotating quarterly categories, up to $1,500 each quarter
  • No Annual Fee
Annual Fee: No Annual Fee.
#21

Chase Freedom Unlimited® Credit Card

Earn $200 / 20,000 Ultimate Rewards after $500 spend in 3 months.

  • 3% back on dining at restaurants, including takeout and eligible delivery services, and on drugstore purchases
  • Earn 1.5% on all other purchases
  • No annual fee
Annual Fee: No Annual Fee.
#22

Southwest Rapid Rewards® Premier Business Credit Card

Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.

  • 3x points on Southwest purchases
  • Standard or Preferred Seat Selection within 48 hours prior to departure (when available)
  • Anniversary bonus points
Annual Fee: $149
#23

IHG One Rewards Premier Business Credit Card

Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening.

  • Earn up to 26 points total per $1 spent when you stay at an IHG hotel
  • Earn 5 points per $1 spent on purchases on travel, gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases
  • Platinum Elite status as long as you remain a Premier card member
Annual Fee: $99
#24

Southwest Rapid Rewards® Priority Credit Card

Earn 60,000 bonus points after spending $2,000 on purchases in the first 3 months from account opening.

  • 3x on Southwest purchases
  • Standard or Preferred seat selection at booking
  • Anniversary bonus points
Annual Fee: $229
#25

Southwest Rapid Rewards® Premier Credit Card

Earn 85,000 points after you spend $2,000 on purchases in the first 3 months from account opening.

  • 3x points on Southwest purchases
  • Two EarlyBird check-ins per year
  • Anniversary bonus points
Annual Fee: $149
#26

Southwest Rapid Rewards® Plus Credit Card

Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

  • First checked bag free for cardmembers and up to 8 additional passengers in the same reservation
  • Earn 2 points per $1 spent on Southwest Airlines® purchases
  • Anniversary bonus points
Annual Fee: $99

Getting Started

A Beginner’s Guide to Traveling on Point(s)

Welcome to ToP and the exciting world of award travel!

Points and miles can help you travel better and more often than you ever thought possible. Whether your goal is to visit far-flung destinations or see family across the country more often, award travel can make that happen. Take a look at our beginner articles and join our Facebook group, where you can ask all your questions and learn from fellow award travelers.

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