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. Beginning in May 2023, we are moving this list to the blog, too, and 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.

ToP Cards under 5/24 – December 2023

1. Chase Sapphire Reserve (no change):
   • 60,000 Ultimate Rewards after $4,000 spend in 3 months, with a $550 annual fee.
2. Chase Sapphire Preferred® (no change):
   • 60,000 Ultimate Rewards after $4,000 spend in 3 months, with a $95 annual fee.
3. Chase Ink Business Cash® (no change):
   • $900/90,000 Ultimate Rewards after $6,000 spend in 3 months, with no annual fee.
4. Chase Ink Business Unlimited® (no change):
   • $900/90,000 Ultimate Rewards after $6,000 spend in 3 months, with no annual fee.
5. Chase Ink Business Preferred® (no change):
   • 100,000 Ultimate Rewards after $8,000 spend in 3 months, with a $95 annual fee.
6. Chase Freedom® Flex℠ (no change):
   • $200/20,000 Ultimate Rewards after $500 spend in 3 months, plus 5%/5x at gas stations and grocery stores up to $12,000 in the first 12 months, with no annual fee.
7. Chase Freedom® Unlimited (no change):
   • unlimited matched cash back for the first year, with no annual fee; OR
   • $200/20,000 Ultimate Rewards after $500 spend in 3 months, plus 5%/5x at gas stations and grocery stores up to $12,000 in the first 12 months, with no annual fee;
8. World of Hyatt Business Card (no change):
   • 60,000 Hyatt points after $5,000 spend in 3 months, with a $199 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. Southwest Airlines Rapid Rewards® Plus Credit Card (no change):
    • 75,000 Rapid Rewards after $3,000 spend in 3 months, with a $69 annual fee.
12. Southwest Airlines Rapid Rewards® Priority Credit Card (no change):
    • 75,000 Rapid Rewards after $3,000 spend in 3 months, with a $149 annual fee.
13. Southwest Airlines Rapid Rewards® Premier Credit Card (no change):
    • 75,000 Rapid Rewards after $3,000 spend in 3 months, with a $99 annual fee.
14. Chase Aeroplan® Credit Card (no change):
    • 75,000 Points after $4,000 spend in the first 3 months, plus 25,000 points after $20,000 spend in the first 12 months, with a $95 annual fee.
15. United Club℠ Infinite Card ( no change):
    • 90,000 United Bonus Miles after $5,000 spend in 3 months, with a $525 annual fee.
16. Aer Lingus Visa Signature® Card (no change):
    • 75,000 Avios after $5,000 spend in 3 months, with a $95 annual fee.
17. British Airways Visa Signature® Card (no change):
    • 75,000 Avios after $5,000 spend in 3 months, with a $95 annual fee.
18. Iberia Visa Signature® Card (no change):
    • 75,000 Avios after $5,000 spend in 3 months, with a $95 annual fee.
19. Chase United℠ Business Card (no change):
    • 75,000 United Bonus Miles after $5,000 spend in 3 months, with $0 annual fee for the first year, then $99.
20. IHG® Rewards Premier Credit Card (no change):
    • 140,000 IHG points after $3,000 spend in 3 months, with a $99 annual fee.
21. 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.
22. 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.
23. 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.
24. IHG® Rewards Premier Business ( no change):
    • 140,000 IHG points after $3,000 spend in 3 months, with a $99 annual fee.
25. Marriott Bonvoy Boundless® Credit Card (No Change):
    • Three Free Night Certificates (each up to 50,000 Bonvoy Points) after $3,000 spend in 3 months, with a $95 annual fee.

ToP Cards over 5/24 -December 2023

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: business cards do NOT count against 5/24, so grab business cards from this list when you need a break from Chase.

1. Citi Premier:
   • 60,000 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.
3. American Express Platinum Business:
   • email team@travel-on-points.com for a welcome offer of 150,000 Membership Rewards after $15,000 spend in 3 months, with a $695 annual fee.
   • targeted offers sometimes in a clean browser for 175,000 – 200,000 Membership Rewards after $15,000 to $30,000 spend in 3 months, with a $695 annual fee.
4. American Express Gold Business:
   • search via a clean browser for welcome offers of 110,000-150,000 Membership Rewards after $10,000 spend in 3 months, with a $295 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. American Express Hilton Honors Business:
   • 130,000 Hilton Honors points after $3,000 spend in 3 months, with a $95 annual fee.
7. Barclays Wyndham Earner Business:
   • Earn 50,000 bonus points after spending $3,000 on purchases in the first 90 days and earn 25,000 bonus points after spending $10,000 within the first 12 months.
8. American Express Platinum:
   • 150,000 Membership Rewards after $8,000 spend in 6 months, with a $695 annual fee.
   • Check Resy for elevated offers.
9. American Express Gold:
   • 90,000 Membership Rewards after $6,000 spend in 6 months, with a $250 annual fee.
   • Check Resy for elevated offers.
10. Capital One Venture X:
    • 75,000 Capital One Miles after $4,000 spend in 3 months, with a $395 annual fee; OR
    • use a member referral for 90,000 Capital One Miles after $4,000 spend in 3 months, with a $395 annual fee.
11. Capital One Venture:
    • 75,000 Capital One Miles after $4,000 spend in 3 months, with a $95 annual fee.
12. 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.
13. Citi AA Business:
    • 75,000 AAdvantage Miles after $4,000 spend in 4 months, with a $99 annual fee that is waived the first year.
14. Citi AA Executive:
    • 70,000 AAdvantage Miles after $7,000 spend in 3 months, with a $595 annual fee.
15. Barclays Aviator Red:
    • 60,000 AAdvantage Miles after a purchase and paying the $99 annual fee, all within the first 90 days.
16. 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.
17. Bank of America Alaska Airlines Business:
    • 50,000 Bonus Miles and a Companaion Fare after $3,000 spend in the first 90 days, with a $95 annual fee.
18. 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.

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, the big movers this month are the limited-time offers on the Ink Cash, Ink Unlimited, Freedom Flex and Freedom Unlimited and the Southwest cards for Companion Pass. 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, the most underrated card on the market is the Citi Premier. This card deserves a spot in every over-5/24 wallet out there! Also, the Venture X Business is a new card for business owners and it an incredible offer for those with high spend.

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