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 – April 2026 (Note: While under 5/24, you can also open Business cards from the Over 5/24 list)

1. Chase Sapphire Reserve (no change):
   • 125,000 Ultimate Rewards after $6,000 spend in 3 months, with a $795 annual fee.
2. Chase Sapphire Preferred® (no change):
   • 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening, with a $95 annual fee.
3. Chase Ink Business Preferred® (no change):
   • 100,000 Ultimate Rewards after $8,000 spend in 3 months, with a $95 annual fee.
4. Chase Sapphire Reserve for Business (no change):
   • Earn 150,000 Ultimate Rewards after you spend $20,000 on purchases in your first 3 months from account opening, with a $795 annual fee.
5. Chase Ink Business Cash® (no change):
   • $750/75,000 Ultimate Rewards after spending $6,000 within 3 months, with no annual fee.
6. Chase Ink Business Unlimited® (no change):
   • $750/75,000 Ultimate Rewards after spending $6,000 within 3 months, with no annual fee.
7. World of Hyatt Business Card (+1 spot):
   • Earn 80,000 Bonus Points after you spend $10,000 on purchases in your first 3 months from account opening, with a $199 annual fee.
8. United℠ Business Card (-1 spot):
   • Earn up to 110,000 bonus miles:
     • 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,
     • plus another 10,000 bonus miles for adding an authorized user in the first 3 months, with a $150 Annual Fee.
9. United Quest℠ Card (no change):
   • Earn up to 100,000 bonus miles:
     • 80,000 bonus miles and 3,000 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open,
     • plus another 10,000 bonus miles for adding an authorized user in the first 3 months, with a $350 annual fee.
10. United Club℠ Card (no change):
    • Earn up to 110,000 bonus miles:
      • 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, with a $695 annual fee.
11. United℠ Explorer Card (+7 spots):
    • Earn up to 80,000 bonus miles,
      • 70,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open,
      • plus another 10,000 bonus miles for adding an authorized user in the first 3 months, with a $0 introductory annual fee the first year, then $150
12. British Airways Visa Signature® Card (+2 spots):
    • 75,000 Avios after $5,000 spend in 3 months, with a $95 annual fee.
13. Iberia Visa Signature® Card (+2 spots):
    • 75,000 Avios after $5,000 spend in 3 months, with a $95 annual fee.
14. Aer Lingus Visa Signature® Card (+2 spots):
    • 75,000 Avios after $5,000 spend in 3 months, with a $95 annual fee.
15. Chase Aeroplan® Credit Card (+2 spots):
    • Earn 75,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening, with a $95 annual fee.
16. Southwest Airlines Rapid Rewards® Performance Business (+3 spots):
    • 80,000 Rapid Rewards after $5,000 spend in 3 months, with a $299 annual fee.
17. IHG® Rewards Premier Business (+9 spots):
    • Earn up to 200,000 Bonus Points:
      • 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening, plus
      • 60,000 Bonus Points after spending a total of $9,000 on purchases in the first 6 months from account opening, with a $99 annual fee.
18. World of Hyatt Credit Card (+3 spots)
    • Earn up to 60,000 bonus points. Earn 30,000 bonus points after spending $3,000 in the first 3 months of account opening. Earn an additional 30,000 bonus points by earning 2 bonus points per $1 spent on purchases that normally earn 1 bonus point up to $15,000 spent. This card has a $95 annual fee.
19. IHG® Rewards Premier Credit Card (+1 spot):
    • Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening, with a $99 annual fee.
20. Marriott Bonvoy Boundless® Credit Card (+2 spots):
    • Earn 3 Free Night Awards (good for a night of up to 50,000 points) after spending $3,000 on eligible purchases within 3 months of account opening, plus an additional 1 Free Night Award after spending $4,000 total on eligible purchases within 4 months of account opening. In 2026, also earn up to $100 in airline credits, with a $95 annual fee.
21. Southwest Airlines Rapid Rewards® Premier Business (+2 spots):
    • 60,000 Rapid Rewards after $3,000 spend in 3 months, with a $149 annual fee.
22. Chase Freedom® Unlimited (+3 spots):
    • $250/25,000 Ultimate Rewards after $500 spend in 3 months, with no annual fee.
23. Chase Freedom® Flex℠ (+1 spot):
    • $200/20,000 Ultimate Rewards after $500 spend in 3 months, with no annual fee.
24. Southwest Airlines Rapid Rewards Plus Credit Card (-13 spots):
    • Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening, with a $99 annual fee.
25. Southwest Airlines Rapid Rewards Premier Credit Card (-13 spots):
    • Earn 55,000 bonus points after spending $1,500 on purchases in the first 3 months from account opening, with a $149 annual fee.
26. Southwest Airlines Rapid Rewards Priority Credit Card (-13 spots):
    • Earn 60,000 bonus points after spending $2,000 on purchases in the first 3 months from account opening, with a $229 annual fee.

ToP Cards Over 5/24 – April 2026

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:
   • 60,000 ThankYou Points for $4,000 spend in 3 months, with a $95 annual fee.
2. Citi Strata Elite:
   • 75,000 ThankYou points after spending $6,000 within 3 months, with a $595 annual fee.
3. Bilt Rewards Palladium:
   • 50,000 Bilt Rewards after $4,000 in non-housing spend in the first 3 months, plus $300 in Bilt Cash upon approval, with a $495 annual fee.
4. Bilt Rewards Obsidian:
   • $200 in Bilt Cash upon approval, with a $95 annual fee.
5. American Express Platinum Business:
   • You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer, with an $895 annual fee.
6. American Express Gold Business:
   • You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer, with a $375 annual fee.
7. Capital One Venture X Business:
   • Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening, with a $395 annual fee.
8. 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.
9. American Express Hilton Honors Surpass:
   • Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership, with a $150 annual fee.
10. American Express Hilton Honors Business Card:
    • Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Card in the first 6 months of Card Membership, with a $195 annual fee.
11. Barclays Wyndham Earner Business:
    • Earn 45,000 bonus points after $3,000 spend in the first 90 days, with a $95 annual fee.
12. American Express Platinum:
    • You may be eligible for as high as 175,000 Membership Rewards® Points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
      • Welcome offers vary and you may not be eligible for an offer.
      • Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact.
      • If you’re approved and choose to accept the Card, your score may be impacted.
    • $895 annual fee
    • Check Resy for elevated offers.
13. American Express Gold:
    • You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
      • Welcome offers vary and you may not be eligible for an offer.
      • Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact.
      • If you’re approved and choose to accept the Card, your score may be impacted.
    • Check Resy for elevated offers.
14. Capital One Venture X:
    • 75,000 Capital One Miles after $4,000 spend in 3 months, with a $395 annual fee.
15. Capital One Venture:
    • 75,000 Capital One Miles after $4,000 spend in 3 months, with a $95 annual fee.
16. Citi AA Platinum:
    • 50,000 AAdvantage Miles after $3,500 spend in 3 months, with a $99 annual fee that is waived the first year.
17. Citi AA Business:
    • 65,000 AAdvantage Miles after $4,000 spend in 4 months, with a $99 annual fee that is waived the first year.
18. Citi AA Executive:
    • 75,000 AAdvantage Miles after $7,500 spend in 3 months, with a $595 annual fee.
19. Bank of America Alaska Airlines Atmos™ Rewards Ascent:
    • 85,000 Bonus Miles plus a $99 Companion Fare after $4,500 spend in the first 120 days, with a $95 annual fee.
20. Bank of America Alaska Airlines Atmos™ Rewards Summit:
    • 100,000 Bonus Miles plus a Global 25K Companion Award after $6,000 spend in the first 90 days, with a $395 annual fee.
21. Bank of America Alaska Airlines Atmos™ Rewards Business:
    • 85,000 Bonus Miles and a $99 Companion Fare after $5,500 spend in the first 90 days, with a $70 annual fee (plus $25 per card).
22. American Express Bonvoy Business:
    • Earn 3 Free Night Awards after you spend $6,000 in purchases and an extra 2 Free Night Awards after you spend an additional $3,000 in purchases on the Card within the first 6 months of Card Membership.
      • Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 250,000 points, at hotels participating in Marriott Bonvoy®.
23. American Express Bonvoy Brilliant:
    • Earn 200,000 Marriott Bonvoy® bonus points after you spend $6,000 within the first 6 months. Offer ends May 13, 2026.
24. avianca lifemiles American Express Elite card:
    • 60,000 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.