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.
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 CreditCards.com and Bankrate.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.
Featured Personal Credit Cards
- CHASE SAPPHIRE PREFERRED® CARD
- CHASE SAPPHIRE RESERVE®
- CHASE FREEDOM UNLIMITED®
- CHASE FREEDOM FLEX®
- CAPITAL ONE® VENTURE X® REWARDS CREDIT CARD
- CAPITAL ONE® VENTURE® REWARDS CREDIT CARD
- CITI STRATA PREMIER® CARD
- BILT MASTERCARD®
- CHASE AEROPLAN® MASTERCARD
- SOUTHWEST RAPID REWARDS® PRIORITY CREDIT CARD
Featured Business Credit Cards
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» Featured Personal Credit Cards
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.
HIGHLIGHTS
3x Points On Dining & Online Grocery
2x Points On Travel
Annual 10% Points Bonus Per Dollar Spent
NEW OFFER: Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
ANNUAL FEE: $95
Chase Sapphire Reserve
A premium card with premium perks including priority pass lounge access with restaurants, an annual travel credit, and increased earning on travel and dining.
HIGHLIGHTS
3x Points On Travel And Dining
$300 Annual Travel Credit
Priority Pass Select Membership
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
ANNUAL FEE: $550
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.
HIGHLIGHTS
3% Back On Dining At Restaurants, Including Takeout And Eligible Delivery Services, And On Drugstore Purchases
Earn 1.5% On All Other Purchases
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
ANNUAL FEE: $0
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.
HIGHLIGHTS
5x On Up To $1500 In Quarterly Categories
5x On Travel Purchased Through Chase TravelSM
3x On Restaurant and Drugstore Purchases
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
ANNUAL FEE: $0
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.
HIGHLIGHTS
2x Miles On Every Purchase
10,000 Bonus Miles Every Account Anniversary
No Foreign Transaction Fees
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening
ANNUAL FEE: $395
Capital One Venture Rewards Credit Card
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
Enjoy a one-time bonus of 75,000 Miles once you spend $4,000 on purchases within 3 months from account opening. Plus, receive a one-time $250 Capital One Travel credit in your first cardholder year.
ANNUAL FEE: $95
Citi Strata Premier Card
10x Points On Hotels, Car Rentals, and Attractions Booked Through CitiTravel.com
3x Points On Air Travel And Hotels
3x Points On Restaurants, Supermarkets, And Gas Stations
No Foreign Transaction Fees
For a limited time: Earn 75,000 bonus points after spending $4,000 in the first 3 months of account opening
ANNUAL FEE: $95
BILT Mastercard
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
Earn up to 1X points on rent payments without the transaction fee, up to 100,000 points each calendar year
ANNUAL FEE: $0
Chase Aeroplan Mastercard
One of the few airline cards that allows you to earn towards status via credit card spend. The card also offers some very rewarding bonus categories, that is ahead of most of the airline card competition.
HIGHLIGHTS
3x Points On Air Canada Purchases
3x Points On Groceries And Dining
Automatic Aeroplan 25K Status
Earn 70K bonus points after you spend $3K in the first 3 months. Apply for your 1st Aeroplan card from 7/8-7/17, and earn 40% bonus points on purchases for 40 days on up to $40K spent.
ANNUAL FEE: $95
Southwest Rapid Rewards Priority Credit Card
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
Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
ANNUAL FEE: $149
» Featured Business Credit Cards
Chase Ink Business Preferred
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 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
ANNUAL FEE: $95
Chase Ink Business Cash
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
Chase Ink Business Unlimited
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 or Sapphire Preferred those points become transferable as well.
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
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
ANNUAL FEE: $0
IHG Rewards Premier Business
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
Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening.
ANNUAL FEE: $99
The World of Hyatt Business Card
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
60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.
ANNUAL FEE: $199
Southwest Rapid Rewards Performance Business Credit Card
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
Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
ANNUAL FEE: $199
The Blue Business® Plus Credit Card from American Express
The Blue Business® Plus Credit Card is a no-brainer and a keeper card for most folks. The Blue Business Plus is the best card for earning Membership Rewards on everyday business spend since no other Amex card earns 2x Membership Rewards on all eligible business purchases. We should note again that you earn at that rate on up to $50,000 a year (1x after that). The lack of an annual fee makes this card even better.
HIGHLIGHTS
2x Membership Rewards points per dollar on every eligible everyday business purchases for the first $50,000 in purchases per calendar year, regardless of spend category.
1x Membership Rewards points per dollar on every eligible business purchase above $50,000 each calendar year
This card does not have an annual fee.
ANNUAL FEE: $0
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 CreditCards.com and Bankrate.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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