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.
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» ToP CARDS UNDER 5/24
1
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
1
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
READ ToP Review: Chase Sapphire Preferred
2
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 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
3
Ink Business Cash®
CARD OFFER
$750/75,000 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
$750/75,000 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
1
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
2
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
- $189 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
- $189 CLEAR credit
DETAILS
ANNUAL FEE: $ 695
3
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
CARD OFFER
150,000 Membership Rewards and a $200 Statement credit 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
CARD OFFER
150,000 Membership Rewards and a $200 Statement credit 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
READ ToP Review: Chase Sapphire Preferred
» ToP Cards for Groceries
1
American Express Gold Card
CARD OFFER
90,000 Membership Rewards and a $200 statement credit after $4,000 spend in 6 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
90,000 Membership Rewards and a $200 statement credit after $4,000 spend in 6 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
60,000 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
60,000 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
READ ToP Review: Chase Sapphire Preferred
» ToP Cards for Dining
1
American Express Gold Card
CARD OFFER
90,000 Membership Rewards and a $200 statement credit after $4,000 spend in 6 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
90,000 Membership Rewards and a $200 statement credit after $4,000 spend in 6 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
READ ToP Review: Chase Sapphire Preferred
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
READ ToP Review: Bilt Mastercard
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
READ ToP Review: Bilt Mastercard
» ToP Business Cards
1
Ink Business Cash®
CARD OFFER
$750/75,000 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
$750/75,000 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
$750/75,000 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
$750/75,000 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
60,000 AAdvantage Miles after $2,000 spend in the first 90 days and 10,000 AAdvantage Miles after a purchase on an Employee card.
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
60,000 AAdvantage Miles after $2,000 spend in the first 90 days and 10,000 AAdvantage Miles after a purchase on an Employee card.
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
Chase Aeroplan Mastercard
CARD OFFER
60,000 points after $4,000 spend in 3 months, plus another 40,000 points after a total of $20,000 spend in the first 12 months.
HIGHLIGHTS
- 3x points on Air Canada purchases
- 3x points on groceries and dining
- Automatic Aeroplan 25K Status
DETAILS
ANNUAL FEE: $ 95
2
Chase Aeroplan Mastercard
CARD OFFER
60,000 points after $4,000 spend in 3 months, plus another 40,000 points after a total of $20,000 spend in the first 12 months.
HIGHLIGHTS
- 3x points on Air Canada purchases
- 3x points on groceries and dining
- Automatic Aeroplan 25K Status
DETAILS
ANNUAL FEE: $ 95
3
United Club℠ Infinite Card
CARD OFFER
80,000 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
United Club℠ Infinite Card
CARD OFFER
80,000 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
» 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
READ ToP Review: Amex Hilton Personal Cards
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
IHG® Rewards Premier Credit Card
CARD OFFER
175,000 IHG points after $3,000 spend in 3 months.
HIGHLIGHTS
- 10x points at IHG hotels
- IHG Rewards Club Platinum status
- Anniversary free night
DETAILS
ANNUAL FEE: $ 99
3
IHG® Rewards Premier Credit Card
CARD OFFER
175,000 IHG points after $3,000 spend in 3 months.
HIGHLIGHTS
- 10x points at IHG hotels
- IHG Rewards Club Platinum status
- Anniversary free night
DETAILS
ANNUAL FEE: $ 99
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
READ ToP REVIEW: Chase Freedom Flex (2021)
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