OUR PICKS | GLToP Credit Cards


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.

Featured
Personal Credit Cards »

#1-1

Chase Sapphire Preferred® Card

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.

Earn 75,000 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
#1-2

Chase Sapphire Reserve®

A premium card with premium perks including priority pass lounge access with restaurants, an annual travel credit, premium hotel credits, and increased earning on hotels and airlines booked direct.

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
#1-3

Chase Freedom Unlimited®

A fantastic card to pair with one of the Chase premium cards to increase your earnings, the Freedom Unlimited is great for your dining purchases and for everyday spending.

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.
#1-4

Chase Freedom Flex®

This is a great no annual fee card that lets you earn 5% back on up to $1,500 in combined purchases in quarterly categories. Pair it with one of the premium Ultimate Rewards cards to combine points and transfer to partners.

Earn a $250 (25,000 Ultimate Rewards®) bonus after you spend $500 on purchases in your first 3 months from account opening.

  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • No Foreign Transaction Fees
  • No Annual Fee
Annual Fee: No Annual Fee
#1-5

Capital One Venture X Rewards Credit Card

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.

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening.

  • $300 annual travel credit for bookings made through Capital One Travel
  • 10,000 bonus miles each year on their account anniversary
  • Capital One Lounge access
Annual Fee: $395
#1-6

United Quest℠ Card

For United flyers who value earnings on United-operated flights including an annual discount on an award flight and the opportunity for two free checked bags. United’s focus on its elites and cardholders recently makes a cobranded card from this airline more useful than ever.

Earn 500 Premier qualifying points after your first purchase and 80,000 bonus miles and after you spend $4,000 on purchases in the first 3 months your account is open, plus another 10,000 miles if you add an authorized user card in the first 3 months.

  • 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
#1-7

United℠ Explorer Card

A card for United flyers that want perks like a free checked bag and a once annual award flight discount without a hefty annual fee. United’s recent focus on cardholders and elites makes a cobranded card from this airline more useful than ever.

Earn up to to 80,000 bonus miles: earn 70,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open, plus earn 10,000 bonus miles if you add an authorized user in the first 3 months.

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

Featured
Business Credit Cards »

#2-1

The New Sapphire Reserve for Business℠

This business version of Chase’s premium credit card is ideal for businesses that have significant spend in travel categories. Earning 4x on hotels and flights booked directly and 3x on advertising on social media and search engines, this card is a powerful earner. In addition to its earning potential, a variety of credits are available for business-related expenses.

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
#2-2

Ink Business Preferred® Credit Card

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.

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
#2-3

Ink Business Cash® Credit Card

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, Sapphire Preferred or Sapphire Reserve those points become transferable as well.

$750/75,000 Ultimate Rewards after spending $6,000 within 3 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
#2-4

Ink Business Unlimited® Credit Card

The perfect option for any business that wants an easy to understand earning structure. Get 1.5% back on all purchases. If you pair it up with the Ink Business Preferred, Sapphire Preferred or Sapphire Reserve those points become transferable as well.

$750/75,000 Ultimate Rewards after spending $6,000 within 3 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
#2-5

The Blue Business® Plus Credit Card from American Express

The straightforward earning structure of 2x Membership Rewards on all purchases up to $50,000 spent per year makes this an ideal card for any business looking to streamline and simplify expenses. Rates & Fees

15,000 Membership Rewards after $3,000 spend on eligible purchases in your first 3 months.

  • 2x points on purchases up to $50,000 per year, then 1x thereafter
  • Access to Amex Offers
  • No annual fee
Annual Fee: No Annual Fee.
#2-6

United℠ Business Card

A business card option for United flyers offering a straightforward array of benefits. With United’s recent focus on cardholders and elites, a cobranded card in the airline’s portfolio is more useful than ever.

Earn up to 100,000 bonus miles: earn 90,000 bonus miles and 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open, and add another 10,000 bonus miles after you add an employee card in the first 3 months.

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

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