Travel on Points

OUR PICKS | ToP CREDIT CARDS >>>>

The right credit cards are a valuable tool as you Travel on Point(s). 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, 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. 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) 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.

» ToP CARDS UNDER 5/24

1

Chase Sapphire Reserve Card

CARD OFFER

60,000 Ultimate Rewards for $4,000 spend in 3 months.

HIGHLIGHTS

  • 3x points on travel and dining
  • $300 annual travel credit
  • Priority Pass Select membership

DETAILS

ANNUAL FEE: $ 550
1
Chase Sapphire Reserve Card

CARD OFFER

60,000 Ultimate Rewards for $4,000 spend in 3 months.

HIGHLIGHTS

  • 3x points on travel and dining
  • $300 annual travel credit
  • Priority Pass Select membership

DETAILS

ANNUAL FEE: $ 550

2

Chase Sapphire Preferred® Card

CARD OFFER

60,000 Ultimate Rewards for $4,000 spend in 3 months

HIGHLIGHTS

  • 3x points on dining & online grocery
  • 2x points on travel
  • Annual 10% Points Bonus per Dollar Spent

DETAILS

ANNUAL FEE: $ 95
2
Chase Sapphire Preferred® Card

CARD OFFER

60,000 Ultimate Rewards for $4,000 spend in 3 months

HIGHLIGHTS

  • 3x points on dining & online grocery
  • 2x points on travel
  • Annual 10% Points Bonus per Dollar Spent

DETAILS

ANNUAL FEE: $ 95

3

Ink Business Cash®

CARD OFFER

$900/90,000 Ultimate Rewards for $6,000 spend in 3 months

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

DETAILS

ANNUAL FEE: $ 0
3
Ink Business Cash®

CARD OFFER

$900/90,000 Ultimate Rewards for $6,000 spend in 3 months

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

DETAILS

ANNUAL FEE: $ 0

» ToP CARDS OVER 5/24

American Express Business Gold Card

CARD OFFER

70,000 Membership Rewards after $10,000 in 3 months

HIGHLIGHTS

  • 4x points on two select categories where you spend the most each month
  • 25% rebate on business and first-class flights booked with points through amextravel.com
  • No foreign transaction fees

DETAILS

ANNUAL FEE: $ 295
American Express Business Gold Card

CARD OFFER

70,000 Membership Rewards after $10,000 in 3 months

HIGHLIGHTS

  • 4x points on two select categories where you spend the most each month
  • 25% rebate on business and first-class flights booked with points through amextravel.com
  • No foreign transaction fees

DETAILS

ANNUAL FEE: $ 295

American Express Business Platinum

CARD OFFER

120,000 Membership Rewards after $15,000 spend in 3 months

HIGHLIGHTS

  • 35% rebate on business and first class flights booked with points through amextravel.com
  • Amex Centurion lounge access
  • $179 CLEAR credit

DETAILS

ANNUAL FEE: $ 695
American Express Business Platinum

CARD OFFER

120,000 Membership Rewards after $15,000 spend in 3 months

HIGHLIGHTS

  • 35% rebate on business and first class flights booked with points through amextravel.com
  • Amex Centurion lounge access
  • $179 CLEAR credit

DETAILS

ANNUAL FEE: $ 695

Blue Business Plus ® from American Express

CARD OFFER

15,000 Membership Rewards after $3,000 in three months

HIGHLIGHTS

  • 2x points on purchases up to $50,000 per year
  • Access to Amex Offers
  • No annual fee

DETAILS

ANNUAL FEE: $ 0
Blue Business Plus ® from American Express

CARD OFFER

15,000 Membership Rewards after $3,000 in three months

HIGHLIGHTS

  • 2x points on purchases up to $50,000 per year
  • Access to Amex Offers
  • No annual fee

DETAILS

ANNUAL FEE: $ 0
1
Chase Sapphire Reserve Card

CARD OFFER

60,000 Ultimate Rewards for $4,000 spend in 3 months.

HIGHLIGHTS

  • 3x points on travel and dining
  • $300 annual travel credit
  • Priority Pass Select membership

DETAILS

ANNUAL FEE: $ 550
1
Chase Sapphire Reserve Card

CARD OFFER

60,000 Ultimate Rewards for $4,000 spend in 3 months.

HIGHLIGHTS

  • 3x points on travel and dining
  • $300 annual travel credit
  • Priority Pass Select membership

DETAILS

ANNUAL FEE: $ 550
2
American Express Platinum Card
American Express Platinum

CARD OFFER

80,000 Membership Rewards after $6,000 spend in 6 months.

HIGHLIGHTS

  • 5x on flights booked directly with airlines
  • Amex Centurion lounge access
  • $200 airline incidental fees credit

DETAILS

ANNUAL FEE: $ 695
2
American Express Platinum Card
American Express Platinum

CARD OFFER

80,000 Membership Rewards after $6,000 spend in 6 months.

HIGHLIGHTS

  • 5x on flights booked directly with airlines
  • Amex Centurion lounge access
  • $200 airline incidental fees credit

DETAILS

ANNUAL FEE: $ 695
3
Chase Sapphire Preferred® Card

CARD OFFER

60,000 Ultimate Rewards for $4,000 spend in 3 months

HIGHLIGHTS

  • 3x points on dining & online grocery
  • 2x points on travel
  • Annual 10% Points Bonus per Dollar Spent

DETAILS

ANNUAL FEE: $ 95
3
Chase Sapphire Preferred® Card

CARD OFFER

60,000 Ultimate Rewards for $4,000 spend in 3 months

HIGHLIGHTS

  • 3x points on dining & online grocery
  • 2x points on travel
  • Annual 10% Points Bonus per Dollar Spent

DETAILS

ANNUAL FEE: $ 95

» ToP Cards for Groceries

1
American Express Gold Card

CARD OFFER

60,000 Membership Rewards after $4,000 in 3 months

HIGHLIGHTS

  • 4x points at restaurants
  • 4x points at U.S. supermarkets, on up to $25,000 in purchases annually
  • 3x points on flights booked directly with airlines or through amextravel.com

DETAILS

ANNUAL FEE: $ 250
1
American Express Gold Card

CARD OFFER

60,000 Membership Rewards after $4,000 in 3 months

HIGHLIGHTS

  • 4x points at restaurants
  • 4x points at U.S. supermarkets, on up to $25,000 in purchases annually
  • 3x points on flights booked directly with airlines or through amextravel.com

DETAILS

ANNUAL FEE: $ 250
2
Citi Premier® Card

CARD OFFER

80,000 Citi ThankYou Points after $4,000 spend in 3 months.

HIGHLIGHTS

  • 3x points on air travel and hotels
  • 3x points on restaurants, supermarkets, and gas stations
  • No foreign transaction fees

DETAILS

ANNUAL FEE: $ 95
2
Citi Premier® Card

CARD OFFER

80,000 Citi ThankYou Points after $4,000 spend in 3 months.

HIGHLIGHTS

  • 3x points on air travel and hotels
  • 3x points on restaurants, supermarkets, and gas stations
  • No foreign transaction fees

DETAILS

ANNUAL FEE: $ 95
3
Chase Sapphire Preferred® Card

CARD OFFER

60,000 Ultimate Rewards for $4,000 spend in 3 months

HIGHLIGHTS

  • 3x points on dining & online grocery
  • 2x points on travel
  • Annual 10% Points Bonus per Dollar Spent

DETAILS

ANNUAL FEE: $ 95
3
Chase Sapphire Preferred® Card

CARD OFFER

60,000 Ultimate Rewards for $4,000 spend in 3 months

HIGHLIGHTS

  • 3x points on dining & online grocery
  • 2x points on travel
  • Annual 10% Points Bonus per Dollar Spent

DETAILS

ANNUAL FEE: $ 95

» ToP Cards for Dining

1
American Express Gold Card

CARD OFFER

60,000 Membership Rewards after $4,000 in 3 months

HIGHLIGHTS

  • 4x points at restaurants
  • 4x points at U.S. supermarkets, on up to $25,000 in purchases annually
  • 3x points on flights booked directly with airlines or through amextravel.com

DETAILS

ANNUAL FEE: $ 250
1
American Express Gold Card

CARD OFFER

60,000 Membership Rewards after $4,000 in 3 months

HIGHLIGHTS

  • 4x points at restaurants
  • 4x points at U.S. supermarkets, on up to $25,000 in purchases annually
  • 3x points on flights booked directly with airlines or through amextravel.com

DETAILS

ANNUAL FEE: $ 250
2
Chase Sapphire Preferred® Card

CARD OFFER

60,000 Ultimate Rewards for $4,000 spend in 3 months

HIGHLIGHTS

  • 3x points on dining & online grocery
  • 2x points on travel
  • Annual 10% Points Bonus per Dollar Spent

DETAILS

ANNUAL FEE: $ 95
2
Chase Sapphire Preferred® Card

CARD OFFER

60,000 Ultimate Rewards for $4,000 spend in 3 months

HIGHLIGHTS

  • 3x points on dining & online grocery
  • 2x points on travel
  • Annual 10% Points Bonus per Dollar Spent

DETAILS

ANNUAL FEE: $ 95
3
Bilt Mastercard

CARD OFFER

HIGHLIGHTS

  • Pay rent with a credit card fee-free
  • 2x points on travel, 3x points on dining
  • No annual fee

DETAILS

ANNUAL FEE: $ 0
3
Bilt Mastercard

CARD OFFER

HIGHLIGHTS

  • Pay rent with a credit card fee-free
  • 2x points on travel, 3x points on dining
  • No annual fee

DETAILS

ANNUAL FEE: $ 0

» ToP Business Cards

1
Ink Business Cash®

CARD OFFER

$900/90,000 Ultimate Rewards for $6,000 spend in 3 months

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

DETAILS

ANNUAL FEE: $ 0
1
Ink Business Cash®

CARD OFFER

$900/90,000 Ultimate Rewards for $6,000 spend in 3 months

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

DETAILS

ANNUAL FEE: $ 0
2
Ink Business Unlimited

CARD OFFER

$900/90,000 Ultimate Rewards for $6,000 spend in 3 months

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

DETAILS

ANNUAL FEE: $ 0
2
Ink Business Unlimited

CARD OFFER

$900/90,000 Ultimate Rewards for $6,000 spend in 3 months

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

DETAILS

ANNUAL FEE: $ 0
3
Ink Business Preferred®

CARD OFFER

100,000 Ultimate Rewards after $15,000 spend in 3 months.

HIGHLIGHTS

  • 3x points on travel
  • 3x on shipping purchases and internet, cable, and phone services
  • Cell phone protection

DETAILS

ANNUAL FEE: $ 95
3
Ink Business Preferred®

CARD OFFER

100,000 Ultimate Rewards after $15,000 spend in 3 months.

HIGHLIGHTS

  • 3x points on travel
  • 3x on shipping purchases and internet, cable, and phone services
  • Cell phone protection

DETAILS

ANNUAL FEE: $ 95

» ToP Airline Cards

1
Barclays AAdvantage Aviator Business

CARD OFFER

80,000 AAdvantage Miles after $2,000 spend in the first 90 days and a $95 statement credit.

HIGHLIGHTS

  • First checked bag free on domestic American Airlines itineraries
  • 25% back on in-flight purchases
  • Earn 2x miles on eligible American Airlines purchases and eligible office supply, telecom, and car rental merchants

DETAILS

ANNUAL FEE: $ 95
1
Barclays AAdvantage Aviator Business

CARD OFFER

80,000 AAdvantage Miles after $2,000 spend in the first 90 days and a $95 statement credit.

HIGHLIGHTS

  • First checked bag free on domestic American Airlines itineraries
  • 25% back on in-flight purchases
  • Earn 2x miles on eligible American Airlines purchases and eligible office supply, telecom, and car rental merchants

DETAILS

ANNUAL FEE: $ 95
2
United Club℠ Infinite Card

CARD OFFER

100,000 bonus miles after $5,000 spend in 3 months

HIGHLIGHTS

  • United Club membership
  • Complimentary first and second checked bags
  • Earn PQPs towards elite status

DETAILS

ANNUAL FEE: $ 525
2
United Club℠ Infinite Card

CARD OFFER

100,000 bonus miles after $5,000 spend in 3 months

HIGHLIGHTS

  • United Club membership
  • Complimentary first and second checked bags
  • Earn PQPs towards elite status

DETAILS

ANNUAL FEE: $ 525
3
Citi® / AAdvantage® Executive World Elite Mastercard®

CARD OFFER

80,000 AA miles after $5,500 spend in 3 months.

HIGHLIGHTS

  • Admirals Club membership
  • Priority boarding & earn 4x AA miles on AA purchases through 12/31/22
  • First checked bag free on domestic itineraries

DETAILS

ANNUAL FEE: $ 450
3
Citi® / AAdvantage® Executive World Elite Mastercard®

CARD OFFER

80,000 AA miles after $5,500 spend in 3 months.

HIGHLIGHTS

  • Admirals Club membership
  • Priority boarding & earn 4x AA miles on AA purchases through 12/31/22
  • First checked bag free on domestic itineraries

DETAILS

ANNUAL FEE: $ 450

» ToP Hotel Cards

1
Hilton Honors Aspire Credit Card

CARD OFFER

150,000 Hilton Honors after $4,000 in three months

HIGHLIGHTS

  • 14x points at Hilton hotels
  • $250 in Hilton statement credits & $250 Airline incidental credits
  • Complimentary Hilton Honors Diamond status

DETAILS

ANNUAL FEE: $ 450
1
Hilton Honors Aspire Credit Card

CARD OFFER

150,000 Hilton Honors after $4,000 in three months

HIGHLIGHTS

  • 14x points at Hilton hotels
  • $250 in Hilton statement credits & $250 Airline incidental credits
  • Complimentary Hilton Honors Diamond status

DETAILS

ANNUAL FEE: $ 450
2
The World of Hyatt Business Card

CARD OFFER

60,000 Hyatt points after $5,000 spend in 3 months.

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

DETAILS

ANNUAL FEE: $ 199
2
The World of Hyatt Business Card

CARD OFFER

60,000 Hyatt points after $5,000 spend in 3 months.

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

DETAILS

ANNUAL FEE: $ 199
3
Hilton Honors Surpass

CARD OFFER

130,000 Hilton Honors after $2,000 spend in 3 months

HIGHLIGHTS

  • 12x points at Hilton hotels
  • Complimentary Hilton Honors Gold status
  • Free Night Certificate after $15,000 spend per calendar year

DETAILS

ANNUAL FEE: $ 95
3
Hilton Honors Surpass

CARD OFFER

130,000 Hilton Honors after $2,000 spend in 3 months

HIGHLIGHTS

  • 12x points at Hilton hotels
  • Complimentary Hilton Honors Gold status
  • Free Night Certificate after $15,000 spend per calendar year

DETAILS

ANNUAL FEE: $ 95
1
Chase Freedom Flex

CARD OFFER

$200 / 20,000 Ultimate Rewards for $500 spend in 3 months

HIGHLIGHTS

  • 5% back in rotating quarterly categories
  • No annual fee

DETAILS

ANNUAL FEE: $ 0
1
Chase Freedom Flex

CARD OFFER

$200 / 20,000 Ultimate Rewards for $500 spend in 3 months

HIGHLIGHTS

  • 5% back in rotating quarterly categories
  • No annual fee

DETAILS

ANNUAL FEE: $ 0
2
Chase Freedom Unlimited ℠

CARD OFFER

$200 / 20,000 Ultimate Rewards for $500 spend in 3 months

HIGHLIGHTS

  • 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

DETAILS

ANNUAL FEE: $ 0
2
Chase Freedom Unlimited ℠

CARD OFFER

$200 / 20,000 Ultimate Rewards for $500 spend in 3 months

HIGHLIGHTS

  • 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

DETAILS

ANNUAL FEE: $ 0
3
Citi® Double Cash Card

CARD OFFER

HIGHLIGHTS

- 1% cash back when you make a purchase, 1% cash back when you pay for that purchase

DETAILS

ANNUAL FEE: $ 0
3
Citi® Double Cash Card

CARD OFFER

HIGHLIGHTS

- 1% cash back when you make a purchase, 1% cash back when you pay for that purchase

DETAILS

ANNUAL FEE: $ 0

» ToP Starter/No Credit Cards

1
Citi® Double Cash Card

CARD OFFER

HIGHLIGHTS

- 1% cash back when you make a purchase, 1% cash back when you pay for that purchase

DETAILS

ANNUAL FEE: $ 0
1
Citi® Double Cash Card

CARD OFFER

HIGHLIGHTS

- 1% cash back when you make a purchase, 1% cash back when you pay for that purchase

DETAILS

ANNUAL FEE: $ 0
2
Discover it® Cash Back Credit Card

CARD OFFER

Discover will match cash back earned in first year

HIGHLIGHTS

  • 5% cash back on rotating quarterly categories
  • Unlimited cash back match at the end of your first year

DETAILS

ANNUAL FEE: $ 0
2
Discover it® Cash Back Credit Card

CARD OFFER

Discover will match cash back earned in first year

HIGHLIGHTS

  • 5% cash back on rotating quarterly categories
  • Unlimited cash back match at the end of your first year

DETAILS

ANNUAL FEE: $ 0

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