Best Credit Card Offers

Each month, Travel on Point(s) ranks the best credit card offers available. This list is always ranked on our ToP Credit Cards page and pinned as a featured post at the ToP of our Facebook group. Each month, we note any movement in rankings from the prior month (+ Moving up) or (-Moving down). We truly appreciate the support if you have no Player 2 referral and you support the blog and the Facebook group by using our links.

**Some of these card offers are independently collected by Travel on Point(s) and are ToP Team member referrals or links directly to the issuing bank.

ToP Cards under 5/24 – December 2024 (Note: While under 5/24, you can also open Business cards from the Above 5/24 list)

1. Chase Sapphire Preferred® (no change):
   • 60,000 Ultimate Rewards after $4,000 spend in 3 months, with a $95 annual fee.
2. Chase Sapphire Reserve (no change):
   • 60,000 Ultimate Rewards after $4,000 spend in 3 months, with a $550 annual fee.
3. Chase Ink Business Preferred® (+2 spots):
   • 90,000 Ultimate Rewards after $8,000 spend in 3 months, with a $95 annual fee.
4. Chase Ink Business Cash® (+1 spot):
   • $350/35,000 Ultimate Rewards after $3,000 spend in 3 months, plus an additional $400/40,000 Ultimate Rewards after $6,000 spend in 6 months, with no annual fee.
5. Chase Ink Business Unlimited®️ (-2 spots):
   • $750/75,000 Ultimate Rewards after $6,000 spend in 3 months, with no annual fee.
6. World of Hyatt Business Card (no change):
   • 60,000 Hyatt points after $5,000 spend in 3 months, with a $199 annual fee.
7. Chase Freedom® Flex℠ (no change):
   • $150/15,000 Ultimate Rewards after $500 spend in 3 months, with no annual fee.
8. Chase Freedom® Unlimited (no change):
   • Earn an extra 1.5%/1.5x on everything you buy, up to $20,000 spend in the first year, with no annual fee.
9. Southwest Airlines Rapid Rewards® Performance Business (no change):
   • 80,000 Rapid Rewards after $5,000 spend in 3 months, with a $199 annual fee.
10. Southwest Airlines Rapid Rewards® Premier Business (no change):
    • 60,000 Rapid Rewards after $3,000 spend in 3 months, with a $99 annual fee.
11. Chase Aeroplan® Credit Card (+3 spots):
    • 75,000 Points after $4,000 spend in the first 3 months, plus 25,000 points after a total spend of $20,000 in the first 12 months, with a $95 annual fee.
12. British Airways Visa Signature® Card (+4 spots):
    • 75,000 Avios after $5,000 spend in 3 months, with a $95 annual fee.
13. Aer Lingus Visa Signature® Card (+3 spots):
    • 75,000 Avios after $5,000 spend in 3 months, with a $95 annual fee.
14. Iberia Visa Signature® Card (+3 spots):
    • 75,000 Avios after $5,000 spend in 3 months, with a $95 annual fee.
15. Chase United℠ Business Card (+3 spots):
    • 75,000 United Bonus Miles after $5,000 spend in 3 months, with a $0 intro annual fee for the first year, then $99.
16. United Club℠ Infinite Card (+3 spots):
    • 90,000 United Bonus Miles after $5,000 spend in 3 months, with a $525 annual fee.
17. Southwest Airlines Rapid Rewards Plus Credit Card (-6 spots):
    • 40,000 bonus points and a $400 statement credit after spending $3,000 on purchases in the first 4 months, with a $69 annual fee.
18. Southwest Airlines Rapid Rewards Priority Credit Card (-6 spots):
    • 40,000 bonus points and a $400 statement credit after spending $3,000 on purchases in the first 4 months with a $149 annual fee.
19. Southwest Airlines Rapid Rewards Premier Credit Card (-6 spots):
    • 40,000 bonus points and a $400 statement credit after spending $3,000 on purchases in the first 4 months with a $99 annual fee.
20. World of Hyatt Credit Card (no change):
    • 30,000 Hyatt points after $3,000 spend in 3 months and up to another 30,000 Hyatt points by earning 2x per $1 spend in first 6 months on purchases that otherwise earn 1x, up to $15,000, with a $95 annual fee; OR
21. IHG® Rewards Premier Credit Card (no change):
    • 140,000 bonus points, after $3,000 spend in 3 months, with a $99 annual fee.
22. IHG® Rewards Premier Business (no change):
    • 140,000 IHG points after $4,000 spend in 3 months, with a $99 annual fee.
23. United Quest℠ Card (no change):
    • 70,000 United Bonus Miles and 500 PQP after $4,000 spend in 3 months, with a $250 annual fee.
    • There may be higher offers available online or targeted in your United accounts.
24. Marriott Bonvoy Boundless® Credit Card (no change):
    • Earn 3 free night certificates, worth up to 50,000 points a night each, after spending $3,000 in 3 months. The card has a $95 annual fee.
25. United℠ Explorer Card (no change):
    • 60,000 United Bonus Miles after $3,000 spend in 3 months and a $0 introductory annual fee for the first year, then $95.

ToP Cards over 5/24 – December 2024

This list is not exhaustive, like the under 5/24 list, and is not “ranked” by best offers. It represents highlighted offers for this month, in no particular order. Remember: most business cards do NOT count against 5/24, so grab business cards from this list when under 5/24 and you need a break from other banks.

1. Citi Strata Premier:
   • 75,000 ThankYou Points for $4,000 spend in 3 months, plus earn 10 ThankYou® Points per $1 on hotel, car rentals, and attractions (excluding air fare) booked on the Citi Travel℠ Portal through June 30, 2024, with a $95 annual fee.
2. Bilt Rewards Mastercard:
   • No Published (or guaranteed) Sign Up Bonus, but widespread reports of 5x on all spend for 5 days after card activation, up to 50,000 points, with no annual fee. (Note: It appears that Wells Fargo, which issues the Bilt card, has adopted its own 5/24 rule.)
3. American Express Platinum Business:
   • check here for a welcome offer of 250,000 Membership Rewards after $15,000 spend in 3 months, with a $695 annual fee.
   • targeted offers sometimes in a clean browser for 175,000 – 300,000 Membership Rewards after $15,000 to $30,000 spend in 3 months, with a $695 annual fee.
4. American Express Gold Business:
   • check here for a welcome offer of 200,000 Membership Rewards after $15,000 spend in 3 months, with a $395 annual fee.
   • search via a clean browser for welcome offers of 150,000-200,000 Membership Rewards after $10,000 spend in 3 months, with a $375 annual fee.
5. Capital One Venture X Business:
   • 150,000 Capital One miles after $30,000 spend in 3 months, with a $395 annual fee.
6. Capital One Spark Cash Plus:
   • $2,000 cashback after $30,000 spend in 3 months, plus an additional $2,000 cashback for every $500,000 you spend in the first year, with a $150 annual fee.
7. American Express Hilton Honors Surpass:
   • 165,000 Points after $3,000 spend in the first 6 months, with a $150 annual fee.
8. Barclays Wyndham Earner Business:
   • Earn 80,000 bonus points. 40,000 after $4,000 spend in the first 90 days, and an extra 40,000 bonus points after $15,000 spend in the first 365 days, with a $95 annual fee.
9. American Express Platinum:
   • 150,000 Membership Rewards after $8,000 spend in 6 months, with a $695 annual fee.
   • Check Resy for elevated offers.
10. American Express Gold:
    • 90,000 Membership Rewards after $6,000 spend in 6 months, with a $250 annual fee.
    • Check Resy for elevated offers.
11. Capital One Venture X:
    • 75,000 Capital One Miles after $4,000 spend in 3 months, with a $395 annual fee.
12. Capital One Venture:
    • 75,000 Capital One Miles after $4,000 spend in 3 months, with a $95 annual fee.
13. Citi AA Platinum:
    • 50,000 AAdvantage Miles after $2,500 spend in 3 months, with a $99 annual fee that is waived the first year.
14. Citi AA Business:
    • 75,000 AAdvantage Miles after $5,000 spend in 5 months, with a $99 annual fee that is waived the first year.
15. Citi AA Executive:
    • 75,000 AAdvantage Miles after $7,500 spend in 3 months, with a $595 annual fee.
16. Barclays Aviator Red:
    • 70,000 AAdvantage Miles after a purchase and paying the $99 annual fee, all within the first 90 days.
17. Bank of America Alaska Airlines:
    • 60,000 Bonus Miles and a Companion Fare after $3,000 spend in the first 90 days, with a $95 annual fee.
18. Bank of America Alaska Airlines Business:
    • 50,000 Bonus Miles and a Companion Fare after $4,000 spend in the first 90 days, with a $70 annual fee.
19. American Express Bonvoy Business:
    • 3 Free Night Certificates, each good up to 50,000 points, after $6,000 spend in 6 months, with a $125 annual fee.
20. American Express Bonvoy Brilliant:
    • 95,000 Marriott Bonvoy points after $6,000 spend in 6 months, with a $650 annual fee.
21. avianca lifemiles American Express Elite card:
    • 80,000 lifemiles after spending $4,500 on eligible purchases in the first 90 days, plus another 40,000 lifemiles after spending $25,000 on eligible purchases in the first 365 days, with a $249 annual fee.

Best Credit Card Offers – ToP Thoughts

Lots of great offers this month, especially the premium offerings from Chase and Amex. On the under 5/24 side, there really weren't any big changes with most offers returning to their standard offer, with the exception being the multiple Southwest credit cards. We're still not crazy about the personal Hyatt offer, although it is a long-term keeper card and one that most folks should get before passing 5/24. On the over 5/24 side, the most underrated card on the market is the Citi Premier. This card deserves a spot in every over-5/24 wallet out there!

What are your thoughts? What offer(s) are you eying this month? Come to the Facebook group and let us know.