Our ToP Credit Card Recommendations


January 2022 ToP Credit Cards

The right credit cards can be a valuable tool as you Travel on Point(s). Before you get started, there are a few things to keep in mind. 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, the most famous of which is the 5/24 rule. Double-check the rules before you apply for a new card to make sure you are eligible.


Travel on Point(s) has partnered with CardRatings for our coverage of credit card products. Travel on Point(s) and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

The ToP Credit Cards for January
(Under 5/24 and Over 5/24)

 

UNDER 5/24

11. Chase Aeroplan

OVER 5/24 (or taking a break from Chase) in no particular order

Amex Bonvoy Brilliant
Amex Hilton Honors Business
Amex Hilton Surpass
Amex Delta SkyMiles Platinum
Amex Delta SkyMiles Platinum Business
Amex Delta SkyMiles Gold
Amex Delta SkyMiles Gold Business
Barclays AAdvantage Aviator
Citi AAdvantage Platinum
Bank of America Business Cash Rewards
Bank of America Alaska Air Visa Signature
Bank of America Alaska Air Visa Business
Amex Blue Business Plus

Cards by Category

Note: Additional card information can be found by following the heading hyperlink for each category below, including cards not otherwise directly linked.

 

 

ToP Cash Back Cards
1. Chase Freedom Flex*
2. Chase Freedom Unlimited*
3. Citi Double Cash
4. Citi Custom Cash

* technically earns cash back, but becomes Ultimate Rewards when combined with an Ultimate Rewards earning card

 


Travel on Point(s) has partnered with CardRatings for our coverage of credit card products. Travel on Point(s) and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

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