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Chase

Chase personal cards

Ultimate Rewards cards

Chase Sapphire Preferred50,000 Chase Ultimate Rewards points
• $95 annual fee• $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 Reserve50,000 Chase Ultimate Rewards points
• $450 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 Freedom15,000 Chase Ultimate Rewards points
• $0 annual fee• $500 on purchases in the first 3 months from account opening
• 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 Unlimited15,000 Chase Ultimate Rewards points
• $0 annual fee• $500 on purchases in the first 3 months from account opening
• Earn a flat 1.5% back on every purchase
• 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 Plus40,000 Southwest points
• $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 Premier40,000 Southwest points
• $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 Priority40,000 Southwest points
• $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 Hyatt60,000 Hyatt points
• $95 annual fee• Earn 40,000 Hyatt points after you spend $3,000 on purchases in the first 3 months from account opening

• Plus an additional 20,000 Hyatt points after you spend a total of $6,000 on 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 Premier100,000 IHG points
• $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 Premier Plus75,000 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 Preferred80,000 Chase Ultimate Rewards points
• $95 annual fee• $5,000 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!

Chase Ink Business Cash50,000 Chase Ultimate Rewards points
• $0 annual fee• $3,000 on purchases in the first 3 months from account opening
• Earn 5X Chase 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

• Earn 2X Chase points on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year

• 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!

Chase Ink Business Unlimited50,000 Chase Ultimate Rewards points
• $0 annual fee• $3,000 on purchases in the first 3 months from account opening
• 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.


American Express

Amex personal cards

Membership Rewards

Amex Platinum Card60,000 Amex Membership Rewards points
• $550 annual fee• $5,000 on purchases in the first 3 months from account opening
• $200 annual airline incidental credit
• $200 in Uber credits annually
• 5X points on flights and travel booked through Amex
• Access to the fantastic Centurion Lounges, Delta SkyClubs, and Priority Pass network

• 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 cardsNo Annual FeeAscendAspire
Welcome offer75,000 Hilton points125,000 Hilton points150,000 Hilton points
Minimum spending$1,000 in purchases on the Card within your first 3 months of Card Membership$2,000 total$4,000 in purchases on the Card within your first 3 months of Card Membership
Annual fee$0$95$450
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
LinkLearn more here.Learn more here.Learn more here. Scroll to the bottom.

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

Amex Platinum Small Business CardEarn up to 75,000 Amex Membership Rewards points
• $450 annual fee• Earn 50,000 points after you spend $10,000 within your first 3 months of Card Membership
• Earn an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership
• 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
• $200 in Uber credits annually
• 5X points on flights and travel booked through Amex
• Access to the fantastic Centurion Lounges, Delta SkyClubs, and Priority Pass network

• 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 Amex 
• $0 annual fee
• 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 Amex125,000 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

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.


Capital One

Capital One personal cards

Capital One Venture50,000 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

The signup bonus is worth $500 toward travel. And you earn 2X miles on every purchase with no bonus categories to think about. The annual fee is waived the 1st year, so you can earn a nice bonus and see how you like the card for a whole year. Very easy to use points for travel purchases.

Capital One Venture$500 Cash
• $95 annual fee, waived the 1st year• $3,000 on purchases within 3 months from account opening
• 4% cashback on dining and entertainment
• 2% cashback at grocery stores
• No limits on how much you can earn
• 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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Comments

  1. So i am truly confused as to how to use this card. Ive read all the paper work included with the card 10 times over and was under the impression from a video that rated this card in the top ten of 2016 that if i spent a certain amount of money in a certain amount of time that i would get the 70,000 points. Well i’ve nearly maxed and paid off the card twice now and it still says my points balance is 0. And how about the points i earn using the card, (2 points every dollar/ 1 point every dollar) Cant find alot of information on these topics so any help would be appreciated.

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