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• Travel rewards credit cards
• Airline rewards credit cards
• Hotel rewards credit cards
• Small business credit cards
• Cashback credit cards
• 0% APR credit cards

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Chase

Chase personal cards

Ultimate Rewards cards

Chase Sapphire Preferred® Card	bonus_miles_full
	• 5X Chase Ultimate Rewards points per $1 spent on travel booked through Chase • 3X Chase Ultimate Rewards points per $1 spent on dining
• $95 annual fee • $50 annual hotel credit • 10% anniversary points bonus • Free DoorDash DashPass subscription	• $4,000 on purchases in the first 3 months from account opening
• The best card for beginners	• Compare it here

This is by far the best card to start with – and a solid workhorse for years now. 50,000 Chase Ultimate Rewards points is worth $625 toward travel. And these points transfer 1:1 to travel partners like Hyatt, Southwest, and United.

Chase Sapphire Reserve®	60,000 Chase Ultimate Rewards points
	• 3X Chase Ultimate Rewards points per $1 spent on travel & dining • 1X Chase Ultimate Rewards points per $1 spent on all other purchases
• $550 annual fee	• $4,000 on purchases in the first 3 months from account opening
• Why this is my favorite card for travel and dining	• Compare it here

The hefty annual fee is offset by a $300 annual travel credit, Priority Pass lounge membership, $100 Global Entry credit, and 3X bonus points on travel and dining. The sign-up bonus is worth $750 toward travel. And it’s the card I use most – top of wallet every day! A top pick for peeps who like to dine and travel.

Chase Freedom Flex℠	20,000 Chase Ultimate Rewards points
	• That's worth $200 in cashback rewards • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
• $0 annual fee
• Excellent rotating 5X categories every quarter • A great first Chase card	• Compare it here

This card has NO annual fee and rotating quarterly 5X bonus categories, which have included restaurants, Amazon shopping, gas, and mobile payments. If you make the most of it, you can earn an extra 30,000 Chase Ultimate Rewards points per year. If you like the bonus categories, it’s a must-have card to keep year after year.

Chase Freedom Unlimited®	• Earn an additional 1.5% cashback on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cashback
• $0 annual fee	After, earn unlimited 1.5% cashback on all purchases
• Great for everyday spending	• Compare it here

The strength of this card is its simplicity: 1.5X Chase Ultimate Rewards points on every purchase. You can’t beat that return for a card with NO annual fee. If you want something easy and free to keep, this card pairs amazingly with other Chase Ultimate Rewards cards.

Airline cards

Chase Southwest Plus	40,000 Southwest points
	• 3,000 Southwest points after your Cardmember anniversary. • 2 Southwest points per $1 spent on Southwest purchases and Rapid Rewards hotel and car rental partner purchases
• $69 annual fee	• $1,000 on purchases in the first 3 months from account opening
• Points earned count toward the Southwest Companion Pass	• Compare it here

This card has the lowest annual fee of the Southwest personal cards. And you get 3,000 Southwest points each year upon renewal. That’s worth ~$42 toward Southwest flights, which helps offset the annual fee.

Chase Southwest Premier	40,000 Southwest points
	• 6,000 Southwest points after your Cardmember anniversary • 2 Southwest points per $1 spent on Southwest purchases and Rapid Rewards hotel and car rental partner purchases
• $99 annual fee	• $1,000 on purchases in the first 3 months from account opening
• Points earned count toward the Southwest Companion Pass	• Compare it here

The 6,000 Southwest points you get upon card renewal are worth ~$84 toward Southwest flights. It’s usually a better deal, especially when the sign-up bonus is big!

Chase Southwest Priority	40,000 Southwest points
	• 7,500 Southwest points after your Cardmember anniversary • 2 Southwest points per $1 spent on Southwest purchases and Rapid Rewards hotel and car rental partner purchases • $75 Southwest travel credit each year • 4 upgraded boardings per year (if space is available)
• $149 annual fee	• $1,000 on purchases in the first 3 months from account opening
• Points earned count toward the Southwest Companion Pass	• Compare it here

If you love Southwest, there’s no question this card is the best. The 7,500 Southwest points you get upon card renewal are worth ~$105 toward Southwest flights AND you get $75 toward Southwest flights each year – which more than covers the annual fee.

Hotel cards

Chase World of Hyatt	Up to 60,000 Hyatt points
	• 9 Hyatt points per $1 spent at Hyatt - 4 bonus points for paying with your card, and 5 bonus points for being a World of Hyatt member • 2 Hyatt points per $1 spent restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships • Receive 1 free night every year after your cardmember anniversary at any Category 1 to 4 Hyatt hotel or resort
• $95 annual fee	• Earn 30,000 Hyatt points after you spend $3,000 on purchases in the first 3 months from account opening • Plus an additional 30,000 Hyatt points by earning 2X points on up to $15,000 in purchases within the first 6 months of account opening
• 5 Hyatt hotels where the annual free night rocks	• Compare it here

60,000 Hyatt points is enough for 2 stays at the most luxurious Hyatt hotels in the world, 3 nights at an all-inclusive in Puerto Vallarta, or several nights at a lower-tier Hyatt hotel. The free night you get every year easily justifies the annual fee. One of my favorite hotel cards, especially if you like Hyatt hotels. Remember, award nights count toward elite status!

Chase IHG Premier	150,000 IHG points
	• Free award night worth up to 40,000 points each account anniversary • 4th night free on award stays with points • Platinum elite status with IHG • Earn up to 25 points per $1 on IHG hotel stays • Earn 2 points per $1 at gas stations, grocery stores, and restaurants
• $89 annual fee	• $3,000 on purchases in the first 3 months from account opening
	• Compare it here

The annual free night and 4th night free on award stays makes this card a forever keeper, even with the annual fee. Plus, 100,000 IHG points is enough for a few nights at the best IHG hotels. This card is great to get for the sign-up bonus and keep for the free night every year, especially if you like IHG hotels – one of the biggest hotel chains in the world.

Chase Marriott Bonvoy Boundless	75,000 Marriott points
• $95 annual fee, waived the first year	• $3,000 on purchases in the first 3 months from account opening
	• Compare it here

In addition to 75,000 Marriott points, you also get a free night worth up to 35,000 Marriott points each year, and credits toward elite status. The world’s biggest hotel chain. Plus, you can transfer 60,000 Marriott points to 25,000 airline miles for award flights on dozens of airlines.

Chase small business cards

Chase Ink Business Preferred	100,000 Chase Ultimate Rewards points
	• 3 Chase Ultimate Rewards points per $1 on the first $150,000 spent on travel, shipping purchases, internet, cable and phone services, advertising purchases made with social media sites, and search engines each account anniversary year • 1 Chase Ultimate Rewards point per $1 on all other purchases • Bonus is worth $1,250 toward travel booked through Chase
• $95 annual fee	• The minimum spending requirement is $15,000 on purchases in the first 3 months from account opening
• Amazing small biz card with best-ever offer right now	• Compare it here

Amazing deal – best-ever offer! 80,000 Chase Ultimate Rewards points are worth $1,000 toward free travel. Plus, you’ll earn 3X Chase points on travel, internet, cable, phone service, and shipping purchases on up to $150,000 in spending per cardmember year. If you’re a small business owner, this deal can be worth $1,000s toward a vacation!

Ink Business Cash® Credit Card
	• 5X Chase Ultimate Rewards points on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year • 2X Chase Ultimate Rewards points on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
• $0 annual fee
• Excellent 5X categories and best-ever offer right now	• Compare it here

The sign-up bonus of 50,000 Chase Ultimate Rewards points is worth $500 toward travel – that’s an awesome deal for a card with NO annual fee. Plus, you earn 5X Chase points and office supply stores, and on internet, cable, and phone service on up to $25,000 in spending per cardmember year. This is a stellar deal for a card that’s free to get and keep!

Ink Business Unlimited® Credit Card
	• 1.5X Chase Ultimate Rewards points on all purchases with no cap
• $0 annual fee
	• Compare it here

A flat 1.5X Chase Ultimate Rewards points on every purchase. Plus a sign-up offer worth $500 toward travel and NO annual fee. If you want an easy small business card, look no further.

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American Express

Amex personal cards

Membership Rewards

The Platinum Card® from American Express	100,000 Amex Membership Rewards points
	• $200 annual airline incidental credit • $200 in Uber credits annually • Enroll in $240 in digital entertainment credits annually for Peacock, Audible, SiriusXM, and The NYT • 5X points on flights up to $500,000 per calendar year and travel booked through Amex • Access to the fantastic Centurion Lounges, Delta SkyClubs, and Priority Pass network • Enroll to get up to $179 back as a statement credit each year for CLEAR membership • Terms apply
• $695 annual fee (See Rates & Fees)	• Spend $6,000 on purchases in the first 6 months from account opening
	• Learn more here

THE ultimate card for travelers. Unparalleled lounge access, more credits than the cost of the annual fee, 5X Amex points on airfare, and the list of perks goes on and on. If you want to travel in style this always has been the one card to have with you.

Hotels

Hilton personal cards	No Annual Fee	Surpass	Aspire
Welcome offer	100,000 Hilton points	130,000 Hilton points	150,000 Hilton points
Minimum spending	$1,000 in purchases on the Card within your first 3 months of Card Membership	$2,000 in purchases on the Card within your first 3 months of Card Membership	$4,000 in purchases on the Card within your first 3 months of Card Membership
Annual fee	$0 (See Rates & Fees)	$95 (See Rates & Fees)	$450 (See Rates & Fees)
Earning	- 7X at Hilton - 5X at US restaurants, US gas stations, and US supermarkets - 3X on other purchases	- 12X at Hilton - 6X at US restaurants, US gas stations, and US supermarkets - 3X on other purchases	- 14X at Hilton - 7X on on flights, select car rentals, and US restaurants - 3X on other purchases
Notes	- Hilton Silver elite status	- Hilton Gold elite status - Free weekend night when you spend $15,000 in a calendar year	- Hilton Diamond elite status - Free weekend night every cardmember year - $250 in resort credits and $250 toward airline incidentals each cardmember year - Free Priority Pass Select membership
Link	Learn more here.	Learn more here.	Learn more here.

I love Hilton hotels. And your love of their hotels should determine which level is best for you. If you’re a casual traveler, or just want a welcome bonus, go for the no annual fee card. Then work your way up. The Ascend comes with Gold elite status (free breakfast!) and the Aspire card comes with Diamond elite status (guaranteed Executive Lounge access) and $300 to use at Hilton resorts each year.

Amex small business cards

Membership Rewards

The Business Platinum® Card from American Express	Earn 100,000 Amex Membership Rewards points
	• Get 35% of your redeemed points back from an airline of your choosing, and any First of Business Class flights you redeem points for • $200 annual airline incidental credit • 5X points on flights and prepaid hotels booked through AmexTravel.com • Access to the fantastic Centurion Lounges, Delta SkyClubs, and Priority Pass network • Enroll to get up to $179 back per year as a statement credit toward CLEAR membership • Terms Apply
• $595 annual fee (See Rates & Fees)	• Spend $15,000 on purchases within your first 3 months of Card Membership
	• Learn more here.

The annual fee on this card is $100 cheaper than the personal version. You don’t get as many credits, but you still get 5X Amex points on airfare and access to the entire lounge network. If you have a small business and don’t care for the credits, this is a cost-effective way to travel in style AND save some cash. 😎

Blue Business Plus Credit Card	10,000 Amex Membership Rewards points
	• 2X Amex Membership Rewards points on all purchases on up to $50,000 in spending per calendar year • No bonus categories to think about or activate and NO annual fee • Can transfer the points you earn to Amex travel partners
• $0 annual fee (See Rates & Fees	• $3,000 in eligible purchases on the Card within your first 3 months of Card Membership
• This is by far the best card for 2X points on all spending	• Learn more here

Earn 2X Amex points on up to $50,000 in spending per calendar year. Boom – it doesn’t any simpler than this. I put all my non-bonus spending on this card. There’s NO annual fee so it’s free to get and keep. Plus, it won’t count toward your Chase 5/24 status. This card is an MVP and a workhorse if there ever was one!

Hotels

Hilton Small Business Amex	130,000 Hilton points
	• 12X at Hilton • 6X at US gas stations, wireless phone service from US providers, US shipping purchases, US restaurants, flights, and select car rentals • 3X on other purchases • Hilton Gold elite status • Terms apply
• $95 annual fee (See Rates & Fees)	• $3,000 in eligible purchases in the first 3 months of Card Membership
• Does NOT count toward Chase 5/24	• Learn more here

This is a brand new card, so everyone can earn the welcome bonus here. Similar to the Ascend personal card, but in small business form. Slightly different bonus categories, but worthwhile for a nice boost of 125,000 Hilton points.

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Capital One

Capital One personal cards

Capital One Venture Rewards Credit Card	75,000 Venture miles (Worth $750 toward travel)
	• Earn unlimited 2x miles on every purchase • Transfer your miles to 15+ travel loyalty programs
• $95 annual fee	• $4,000 on purchases within 3 months from account opening
It doesn't get much simpler to earn and redeem points than this	• Learn more here

The signup bonus is worth $500 toward travel. And you earn 2X miles on every purchase with no bonus categories to think about. Very easy to use points for travel purchases.

Capital One Savor	$300 Cash
	• 4% cashback on dining and entertainment • 2% cashback at grocery stores • No limit to how much you can earn
• $95 annual fee	• $3,000 on purchases within 3 months from account opening
	• Learn more here

The bonus categories here are surprisingly broad and lucrative. If you like to dine or get out of the house, you should take a look at this card. Plus, the signup bonus is $500 – you can’t beat that!

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