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There’s zero doubt Chase cards are the best to get first. Their products have high sign-up offers, excellent ongoing benefits, and strong category bonuses.
But… Chase shutdowns are increasing – even if you haven’t opened a Chase card in recent past. And, they have aspirations to use their 5/24 rule for ALL their cards. (Which is ridiculous, especially for the co-branded cards because you want people to actually get them, right?)
I just earned 100,000 British Airways Avios points on the Chase British Airways card. But between shutdowns and 5/24… I might be done with Chase for a while.
I regret not ever having the Chase Freedom Unlimited for everyday non-bonus spending. Although with my current cards, I should be good for lots of Chase Ultimate Rewards with organic spending.
Anyhoo, I’ve been thinking of card options if you’re helplessly over 5/24, or just don’t want to mess with Chase any more.
Here are the 7 best!
In This Post
Best cards over 5/24 and/or done with Chase
Sorry, Chase. It’s not me, it’s you.
While I’ll 100% keep all my existing Chase cards, I have to accept it’s time to move away from new Chase applications. Luckily, there are worthwhile bonuses out there for us LOL/24 peeps.
1. Blue Business Plus Amex
- Link: Blue Business Plus Amex – learn more here
- Link: 3 Excellent Amex Small Business Card Welcome Offers – Which Is Best for You?
|Blue Business Plus Credit Card||10,000 Amex Membership Rewards points|
|• $0 annual fee||• $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|
I love this card. It earns 2X Amex Membership Rewards points on all purchases – up to $50,000 in spending per calendar year – all with NO annual fee.
I put all my non-bonus spending here.
It’s a small business card, so you need to have some sort of profit-seeking business. But it’s also free to have, and isn’t affected at all by 5/24 – it doesn’t count toward it, either.
Admittedly, I’d rather have Chase Ultimate Rewards points than Amex Membership Rewards points. But if beggars can’t be choosers, it’s still an easy (and free!) way to earn valuable transferrable points.
2. Capital One Venture & Spark cards
- Link: Capital One Venture Rewards – Learn more
- Link: Capital One Spark Cash for Business – Learn more
- Link: Capital One Venture: A Solid 2X Card for Simple Rewards With No BS
|Capital One Venture||50,000 Venture miles|
|• $95 annual fee, waived the 1st year||• $3,000 on purchases within 3 months from account opening
|It doesn't get much simpler to earn and redeem points than this||• Learn more here|
With either of these Capital One cards, you earn 2% cashback (2X miles) toward travel on every purchase – and you’ll pay a $95 annual fee on both cards, although it’s waived the first year. Plus, you’ll incur a credit check with all 3 reporting bureaus. So why consider these cards?
Both have a sign-up bonus worth $500 toward travel when you meet minimum spending requirements – and that makes them worth considering.
Keep in mind Capital One has their own approval standards. I was denied for the Spark card because of too many card accounts. But lots of peeps got approved, even at 18/24 in some cases.
Capital One’s approval criteria is iffy at best. But if you’re going for broke and don’t care about a credit pull, you have nothing to lose – and $500 to gain.
3. CitiBusiness American Airlines Platinum Select
If you’ve opened OR closed a personal Citi AA card in the last 24 months, you can’t get another one. But, that rule doesn’t extend to the business card.
And that’s awesome because you can earn 70,000 American Airlines miles – enough for a ton of awesome reward flights – after meeting the minimum spending requirement of $4,000 in the first 4 months of account opening ($1,000 per month for 4 months) with this card.
Even better, opening this card won’t count toward your 5/24 status. You need to show some business income, but the $95 annual fee is waived the first year. An easy card to scoop up a huge amount of American Airlines miles. It doesn’t get higher than this.
4. Hilton Amex cards
|Hilton Small Business Amex||125,000 Hilton points|
|• $95 annual fee||• $3,000 in eligible purchases in the first 3 months of Card Membership|
|• 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
• Does NOT count toward Chase 5/24
|• Learn more here|
Want to earn 125,000 Hilton points? Why not? I detailed how you can easily get $700+ of value from 120,000 Hilton points.
Hilton is derided in the points community, but they’re my go-to. It’s case-by-case, as are all points redemptions. But maybe it’s time to give Hilton points a look – especially if you have a certain destination in mind.
The personal version (Ascend card) WILL count toward 5/24, but the small business version will NOT. And with both, you can earn 100,000 Hilton points with the welcome offer. If you’re over 5/24, go for it!
Concerned you won’t be able to earn the bonus? Amex now explicitly tells you during the application process whether or not you’ll earn it. So there’s no risk – even if you’ve had either card before.
5. Bank of America Alaska card
So, Bank of America cards now have a 2/3/4 rule: no approvals after 2 cards per rolling 2 months, 3 cards per rolling 12 months, and 4 cards per rolling 24 months.
But fact is, Alaska miles are some of the best mileage currency around. And if you can get another Alaska card, by all means do so!
The small business version of the card won’t count toward 5/24. And both cards net you 30,000 Alaska miles after you make $1,000 or more in purchases within the first 90 days of your account opening.
Very small spending and a ton of upside – those miles are super valuable! I know I’m due for another Alaska card – love those injections of 30,000 Alaska miles. *applies* (No but for real, I’m applying right now.)
6. Barclays American Airlines cards
If you haven’t had these cards, what are you waiting for? All you have to do is make a single purchase and get 50,000 American Airlines miles. Anyone can swing that as a minimum spending requirement!
The only drawback? Barclays is a conservative bank. And will only give you one, maybe 2 cards per year. So once you fill your Barclays slot, that’s it for a while.
That’s not a huge concern because most of their cards are pretty terrible. But they have a Wyndham, JetBlue, and Arrival card that are all decent, depending on your travel goals. I’d personally rather have = American Airlines miles, but totally get if you’re holding out for the 60,000 Arrival point bonus on the revamped Arrival Plus card.
In any regard, if you’re over 5/24, you can get a new Barclays bonus once (or sometimes twice) a year. Might as well go for it – no matter which one you choose.
7. DISCOVER IT!!!
- Link: Discover It
- Link: Yasss: Just Got My 3rd Discover it® Cashback Match Card (And New Application Rules!)
I’ve gotten a brand new Discover It card every year for 3 years running. You simply can’t beat the potential to earn $600 cashback in a year with a no annual fee card.
The upcoming categories are excellent:
Restaurants through the end of September and Amazon at the end of 2018.
Remember, your cashback is matched after the first 12 billing cycles, so it’s really like getting 10% cashback in those categories the first year (with no cap!). It’s an event I call “The Dublin.” (I got $2,000 last year from this card!)
If you’re over 5/24, this is an incredible card to have in your wallet – I actually swapped it for the Chase Sapphire Reserve to get 10% back at restaurants this quarter. So it’s very literally in my wallet.
Especially great if you prefer to earn simple cashback rewards. Or great for another card to earn category bonuses.
There’s hope beyond Chase cards if you’re over 5/24. I recommend:
- Blue Business Plus Amex – learn more here – 10,000 Amex Membership Rewards points
- Capital One Venture Rewards – learn more or Capital One Spark Cash for Business – learn more – $500 toward travel
- CitiBusiness American Airlines Platinum Select – 70,000 American Airlines miles
- Hilton Ascend Amex – learn more here or Hilton small biz Amex – learn more here – 100,000 Hilton points
- Bank of America Alaska Visa – 30,000 Alaska miles
- Barclays AA Aviator Red card or Barclays AA Aviator small business card – 50,000 American Airlines miles
- Discover It – Up to $600 cashback in 5% categories the first year
That’s 6 different banks with 7+ very different cards. Pick the one that’s most valuable to you, or one you haven’t had before.
The small business cards on this list do NOT count toward your 5/24 status. So if you’re hoping to fall under, there are options for that, too.
I’m done with Chase for the foreseeable future, as are many others. But that doesn’t mean the points & miles have to stop rolling in. On the contrary – there are still many worthwhile bonuses.
So these are my top 7! Will you pick up one of them? Or do you have another in mind for your next round of points?
BEST Current Credit Card Deals
- Chase Ink Business Preferred - Earn 80,000 Chase Ultimate Rewards points and 3X bonus points for travel, internet, cable, and phone service
- Chase Sapphire Preferred - Earn 50,000 Chase points with the BEST card for beginners
- Chase Ink Business Cash - Earn 50,000 Chase Ultimate Rewards points and 5X bonus points for office supplies, internet, cable, and phone service with NO annual fee
Support me by opening one of my favorite credit cards for award travel!