Sign-Up Bonuses and Welcome Offers are the fastest and easiest way to begin earning points and miles. Before applying for a credit card, keep in mind two things. First, under no circumstances should you apply for a new credit card or make charges on a credit card if you do not have a plan to pay the balance in full every month. Any rewards you earn will quickly be outweighed by the interest you pay. Second, remember that each card issuer has its own rules about applications. Double-check the rules before you apply for a new card to make sure you are eligible. Also, keep track of how much minimum spend a card requires for the sign-up bonus, and make sure to have a plan to meet that minimum spend.
Travel on Point(s) is an independent, advertising-supported website. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites like CardRatings.com. This compensation does not impact how or where products appear on this site. Girls LOVE Travel and Travel on Point(s) have not reviewed all available credit card offers on this site. Reviews, analyses & recommendations are the author’s alone and have not been reviewed, endorsed, or approved by any of these partner entities.
An affordable option for entry into the transferable currency space. The card also offers a rewarding earning structure for anyone that travels and dines out. Some better than expected perks help offset the annual fee as well.
HIGHLIGHTS
3x Points On Dining & Online Grocery
2x Points On Travel
Annual 10% Points Bonus Per Dollar Spent
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ANNUAL FEE: annual_fees
As Southwest's top tier co-branded personal card, this is perfect for helping you earn that companion pass. Just pair it with a Southwest business card below and you're all set. It's also a definite keeper for regular Southwest flyers, as the card's many perks more than make up for its annual fee.
HIGHLIGHTS
3x Points On Southwest Airlines Purchases
7500 Bonus Points at Cardholder Anniversary
$75 Annual Southwest Travel Credit
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ANNUAL FEE: annual_fees
For the traveler that wants lounge access and an earning structure that means you’re never earning less than 2x on any purchase. Versatile redemption options include the ability to erase transfer purchases, book through a travel portal, or transfer to partners.
HIGHLIGHTS
2x Miles On Every Purchase
10,000 Bonus Miles Every Account Anniversary
No Foreign Transaction Fees
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ANNUAL FEE: annual_fees
An affordable annual fee for a card that earns a minimum of 2x on everything. Versatile redemption options include the ability to erase transfer purchases, book through a travel portal, or transfer to partners.
HIGHLIGHTS
2x Miles On Every Purchase
No Foreign Transaction Fees
Up To A $100 Credit For Global Entry Or TSA Pre-Check
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ANNUAL FEE: annual_fees
Unlock the ability to transfer Thank You Points to partners with this card that earns 3x on supermarkets, restaurants, gas stations, air travel, and other hotels.
HIGHLIGHTS
3x Points On Air Travel And Hotels
3x Points On Restaurants, Supermarkets, And Gas Stations
No Foreign Transaction Fees
Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
ANNUAL FEE: $95
Ideal for renters who want to earn points for paying rent. Earn versatile rewards that can be transferred to a variety of partners.
HIGHLIGHTS
Pay Rent With A Credit Card Fee-Free
2x Points On Travel, 3x Points On Dining
No Annual Fee
bonus_miles_fullANNUAL FEE: $0
Earning 3X extremely valuable Ultimate Rewards at a wide range of categories makes this card great for any small business. The points can be combined with its no annual fee siblings and transferred to a wide array of Chase transfer partners.
HIGHLIGHTS
3x Points On Travel
3x On Shipping Purchases And Internet, Cable, And Phone Services
Cell Phone Protection
Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
ANNUAL FEE: $95
This card is perfect for your plans to earn a Southwest companion pass. Just pair it with one of the Southwest personal cards like the one above, and you're all set. In addition, the annual fee for this card is easy to justify with its perks and annual bonus. That makes it a keeper in the long term.
HIGHLIGHTS
4x Points On Southwest Airlines Purchases
9000 Bonus Points at Cardholder Anniversary
Global Entry or TSA Precheck Fee Credit
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ANNUAL FEE: annual_fees
A card offering some of the best bonus categories on the market, all for no annual fee. If you pair it up with the Ink Business Preferred or Sapphire Preferred those points become transferable as well.
HIGHLIGHTS
5% Cash Back At Office Supply Stores
5% Cash Back On Internet, Cable TV, Mobile Phones, And Landlines
2% Cash Back On The First $25,000 In Combined Purchases At Gas Stations And Restaurants Each Year
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
ANNUAL FEE: $0
HIGHLIGHTS
Unlimited 1.5% Cash Back On Every Purchase
0% Intro APR For 12 Months From Account Opening On Purchases
Employee Cards At No Additional Cost
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ANNUAL FEE: annual_fees
The card’s annual free night certificate more than offsets the annual fee for most cardholders. Being able to get your 4th night free on award stays makes this a great card for businesses that are IHG loyalists.
HIGHLIGHTS
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
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ANNUAL FEE: annual_fees
This card is a great option for big spenders and anyone chasing World of Hyatt elite status. Getting 5 elite night credits every $10,000 in spend is a great perk. Getting discounted awards after spending $50,000 will be a worthwhile goal for some as well.
HIGHLIGHTS
4x Points At Hyatt Properties And $100 In Hyatt Statement Credits
2x Points Per $1 Spent In 3 Top Spending Categories Each Quarter Through 12/31/23, Then 2 Top Categories Each Quarter
5 Elite Night Credits For Every $10,000 Spent On The Card
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ANNUAL FEE: annual_fees
Travel on Point(s) is an independent, advertising-supported website. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites like CardRatings.com. This compensation does not impact how or where products appear on this site. Girls LOVE Travel and Travel on Point(s) have not reviewed all available credit card offers on this site. Reviews, analyses & recommendations are the author’s alone and have not been reviewed, endorsed, or approved by any of these partner entities.
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