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SouthwestÂź Rapid RewardsÂź Performance Business Credit Card

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(4.3) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:
$199

Bonus Offer

Get 80,000 Bonus Rapid Rewards points when you spend $5,000 in your first 3 months.

Bonus points for spend in the following bonus categories:

Applies only to Southwest Airlines booked directly with Southwest; Otherwise earn 1X

4 x
Airfare
Estimated Rewards Value: 5.6%
2 x
Cable / Internet / VOIP Phone
Estimated Rewards Value: 2.8%
2 x
Cellular Phone Service
Estimated Rewards Value: 2.8%
1 x
Everything Else
Estimated Rewards Value: 1.4%
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 more
  • Four Upgraded Boardings each card membership year
  • Generous spending rewards categories
  • 9,000 bonus points on every cardmember anniversary

Pros

  • Four Upgraded Boardings each card membership year
  • Generous spending rewards categories
  • 9,000 bonus points on every cardmember anniversary

Cons

  • The high annual fee will be hard to justify for infrequent travelers
  • Rapid Rewards points only provide a good value for Southwest flights
Annual Fee: $199
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.014

When used on Wanna Get Away fares, 1.3 cents is the approximate value you get. On certain international routeswith high taxes, however, you may be able to yield close to 2 cents. Those are the exceptions to the rule, though, so I peg the value at 1.4 cents.

APR: 21.49%-28.49% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each balance transfer, whichever is greater.
Author: JT Genter
Editor: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: May 29, 2024
Intro bonus:
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Notify me of bonus offer changes
All information about the World of Hyatt Credit Card has been collected independently by Your Best Credit Cards.

World of Hyatt Credit Card

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(4) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:
$95

Bonus Offer

35,000 bonus World of Hyatt points when you spend $3,000 within 3 months. Then get an additional 1 bonus point per dollar on your first $15,000 in spend in categories that don’t otherwise earn bonus points within 6 months.

Bonus points for spend in the following bonus categories:

At Hyatt family hotels booked directly with Hyatt only; Otherwise earn 1X

4 x
Hotels
Estimated Rewards Value: 6.8%
2 x
Airfare
Estimated Rewards Value: 3.4%
2 x
Dining Out / Food Delivery
Estimated Rewards Value: 3.4%
2 x
Gym Memberships
Estimated Rewards Value: 3.4%
2 x
Transit
Estimated Rewards Value: 3.4%
1 x
Everything Else
Estimated Rewards Value: 1.7%
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 more
  • Complimentary hotel night certificate on each cardmember anniversary.
  • Automatic Hyatt Discoverist elite status just for holding the card.
  • Earn additional qualifying night credits toward higher Hyatt elite status.

Pros

  • Complimentary World of Hyatt Discoverist status, plus earn qualifying elite night credits toward higher elite status.
  • One free Category 1-4 award night each cardmember anniversary plus earn an extra free night by spending $15,000 in a calendar year.
  • Earn bonus points in a wide range of spending categories.

Cons

  • Lacks any killer bonus categories aside from on Hyatt stays.
  • It may be better to earn Chase Ultimate Rewards instead and then transfer points to World of Hyatt, while keeping some flexibility.
Annual Fee: $95
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.017

Hyatt award rates range from 3,500 to 45,000 points per night at their regular hotels and resorts. At all-inclusive resorts and Miraval, the prices can reach as high as 58,000 points per night, Almost without fail, during even remotely peak times, we can find roughly 2 cents per point in value. You can even book Suites for incrementally more points (Premium Suite costs twice as much as a room, for example). I tend to find these are one of the best ways to spend Chase Ultimate Rewards points which transfer 1:1. They are the only major hotel program in the US with fixed award charts making it a great program to be able to set goals for your redemptions..

APR: 21.49%-28.49% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each balance transfer, whichever is greater.
Author: JT Genter
Editor: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: May 29, 2024
Intro bonus:
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World of Hyatt Business Credit Card

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(4.2) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:
$199

Bonus Offer

Earn 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening

Bonus points for spend in the following bonus categories:

Only at Hyatt family hotels booked directly. 1X on other hotels.

4 x
Hotels
Estimated Rewards Value: 6.8%

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2 x
Airfare
Estimated Rewards Value: 3.4%

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2 x
Transit
Estimated Rewards Value: 3.4%

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2 x
Car Rentals
Estimated Rewards Value: 3.4%

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2 x
Cable / Internet / VOIP Phone
Estimated Rewards Value: 3.4%

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2 x
Gas Stations
Estimated Rewards Value: 3.4%

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2 x
Cellular Phone Service
Estimated Rewards Value: 3.4%

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2 x
Dining Out / Food Delivery
Estimated Rewards Value: 3.4%

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2 x
Advertising on Search Engines and Social Media
Estimated Rewards Value: 3.4%

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2 x
Shipping
Estimated Rewards Value: 3.4%
2 x
Gym Memberships
Estimated Rewards Value: 3.4%
1 x
Everything Else
Estimated Rewards Value: 1.7%
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  • Earn elite night credits from eligible spend
  • Gives you automatic World of Hyatt Discoverist status
  • Has a wide range of card benefits, including primary car rental CDW

Pros

  • Earn elite night credits from eligible spend
  • Grants you automatic World of Hyatt Discoverist status
  • Has a wide range of travel and shopping benefits

Cons

  • Somewhat high annual fee
  • No bonus categories earn more than 2X Hyatt points
  • The Discoverist status is the lowest of the Hyatt elite tiers
Annual Fee: $199
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.017

Hyatt award rates range from 3,500 to 45,000 points per night at their regular hotels and resorts. At all-inclusive resorts and Miraval, the prices can reach as high as 58,000 points per night, Almost without fail, during even remotely peak times, we can find roughly 2 cents per point in value. You can even book Suites for incrementally more points (Premium Suite costs twice as much as a room, for example). I tend to find these are one of the best ways to spend Chase Ultimate Rewards points which transfer 1:1. They are the only major hotel program in the US with fixed award charts making it a great program to be able to set goals for your redemptions..

APR: 21.49%-28.49% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each balance transfer, whichever is greater.
Author: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: May 29, 2024
Intro bonus:
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Aer Lingus Visa Signature Credit Card

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(3.5) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:
$95

Bonus Offer

Limited time offer! Earn 85,000 Avios after you spend $5,000 on purchases within the first three months of account opening.

Bonus points for spend in the following bonus categories:

Earn 3x Avios on British Airways, Iberia, LEVEL, and Aer Lingus flights booked directly; 1X on other airlines

3 x
Airfare
Estimated Rewards Value: 3.6%

Must be booked directly with the hotel

2 x
Hotels
Estimated Rewards Value: 2.4%
1 x
Everything Else
Estimated Rewards Value: 1.2%
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  • Earn 3x Avios on British Airways, Iberia, LEVEL, and Aer Lingus flights
  • Priority Boarding on flights between the US and Ireland
  • Earn a Companion Ticket when you spend $30,000 on the card in a calendar year

Pros

  • Priority Boarding on flights between the US and Ireland
  • Earn a Companion Ticket when you spend $30,000 on the card in a calendar year
  • Earn 3x Avios on British Airways, Iberia, LEVEL, and Aer Lingus flights

Cons

  • No included benefits for trip delays or cancellations
  • It may be better to earn a transferable bank point than Avios, especially since most transfer to Avios
  • Limited bonus categories; then 1X Avios on other purchases
Annual Fee: $95
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.012

Similar to British Airways Avios though with a few sweetspots from the eastern half of the US to Ireland. You are able to freely transfer between British Airways Avios and Aer Lingus Avios.  Qatar Airways and Iberia are also under the Avios ecosystem.

APR: 21.49%-28.49% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: May 29, 2024
Intro bonus:
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British Airways Visa Signature Card

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(3.5) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:
$95

Bonus Offer

Limited time offer! Earn 85,000 Avios after you spend $5,000 on purchases within the first three months of account opening.

Bonus points for spend in the following bonus categories:

Earn 3x Avios on British Airways, Iberia, LEVEL, and Aer Lingus flights booked directly; 1X on other airlines

3 x
Airfare
Estimated Rewards Value: 3.6%

Must be booked directly with the hotel

2 x
Hotels
Estimated Rewards Value: 2.4%
1 x
Everything Else
Estimated Rewards Value: 1.2%
+
 more
  • Earn 3x Avios on British Airways, Iberia, LEVEL, and Aer Lingus flights
  • Earn a Travel Together ticket with $30,000 in spend (or half off an Avios redemption for one)
  • Get 10% off all British Airways tickets and up to a $600 statement credit on Reward Flight bookings

Pros

  • Get 10% off all British Airways tickets and up to a $600 statement credit on Reward Flight bookings
  • Earn 3x Avios on British Airways, Iberia, LEVEL, and Aer Lingus flights
  • Earn a Travel Together ticket with $30,000 in spend (or half off an Avios redemption for one)

Cons

  • No included benefits for trip delays or cancellations
  • It may be better to earn a transferable bank point than Avios
  • Limited bonus categories; then 1X Avios on other purchases
Annual Fee: $95
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.012

British Airways points are best used for short haul flights on Oneworld partners. What keeps these from being worth more are the high redemption costs and surcharges for long haul flights in premium cabins. When you book a US domestic award on AA metal with Avios, you can also cancel and lose only the $5.60 per segment in taxes as the penalty. They can now also be combined into Qatar's frequent flyer program where you can book their business class QSuites at reasonable rates.

APR: 21.49%-28.49% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: May 29, 2024
Intro bonus:
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Iberia Visa SignatureÂź Card

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(3.6) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:
$95

Bonus Offer

Limited time offer! Earn 85,000 Avios after you spend $5,000 on purchases within the first three months of account opening.

Bonus points for spend in the following bonus categories:

Earn 3x Avios on British Airways, Iberia, LEVEL, and Aer Lingus flights booked directly; 1X on other airlines

3 x
Airfare
Estimated Rewards Value: 3.6%

Must be booked directly with the hotel

2 x
Hotels
Estimated Rewards Value: 2.4%
1 x
Everything Else
Estimated Rewards Value: 1.2%
+
 more
  • Earn 3x Avios on Iberia, British Airways, LEVEL, and Aer Lingus flights
  • $1,000 Airfare Discount Voucher each calendar year when you spend $30,000 in a calendar year (see terms)
  • Get 10% off all Iberia tickets

Pros

  • Get 10% off all Iberia tickets
  • Earn 3x Avios on Iberia, British Airways, LEVEL, and Aer Lingus flights
  • $1,000 Airfare Discount Voucher each calendar year when you spend $30,000 in a calendar year (see terms)

Cons

  • No included benefits for trip delays or cancellations
  • It may be better to earn transferable bank points than Avios
  • Limited bonus categories; then 1X Avios on other purchases
Annual Fee: $95
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.012

Iberia's Avios are very similar to British Airways, with a few differences. You can redeem them for extremely cheap business class flights from the East Coast USA to Madrid (whereas this rate does not exist with other Avios partners). You can transfer from other Avios programs to Iberia as long as your Iberia account has been open for three or more months and you must have earned Avios directly in their program first (from a flight or from a credit card points transfer, for example). For this reason, it's good to create an Iberia Avios account even if you don't see an immediate need.

APR: 21.49%-28.49% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: May 29, 2024
Intro bonus:
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Chase Ink Business Premier℠ Credit Card

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(3.8) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:
$195

Bonus Offer

Earn $1,000 bonus cash back after you spend $10,000 on purchases in your first 3 months from account opening.

Bonus points for spend in the following bonus categories:

Only applies to bookings made in the Chase Ultimate Rewards portal. Otherwise, you'll earn the default rate (2% - 2.5%) for everyday spend on this card.

5 x
Airfare
Estimated Rewards Value: 5%

Only applies to bookings made in the Chase Ultimate Rewards portal. Otherwise, you'll earn the default rate (2% - 2.5%) for everyday spend on this card.

5 x
Cruises
Estimated Rewards Value: 5%

Only applies to bookings made in the Chase Ultimate Rewards portal. Otherwise, you'll earn the default rate (2% - 2.5%) for everyday spend on this card.

5 x
Car Rentals
Estimated Rewards Value: 5%

Only applies to bookings made in the Chase Ultimate Rewards portal. Otherwise, you'll earn the default rate (2% - 2.5%) for everyday spend on this card.

5 x
Hotels
Estimated Rewards Value: 5%
2.5 x
Single Charges over $5,000
Estimated Rewards Value: 2.5%
2 x
Everything Else
Estimated Rewards Value: 2%
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 more
  • Charge card allows for high spending limits to fit your business needs
  • 2.5% Cash Back on purchases over $5,000 is a stellar rebate on spend
  • Earns Cash Back rather than transferable points.

Pros

  • There is no other charge card on the market that offers 2.5% on charges over $5,000 with no monthly or annual limit.
  • A flexible spending limit makes it a great choice for heavy spenders; rare on a small business card.
  • Primary car rental Collision Damage Waiver (CDW) can be a huge benefit when on the road. This means your personal insurance won't have to get involved for damage to your rental car. (Note that it does not provide liability insurance or coverage for any other car you may be in a collision with.)

Cons

  • The Chase Ultimate Rewards points earned with the Ink Business Premier are pure cash back with no option to transfer the points to other Chase small business credit cards (Ink) or Chase Sapphire cards or to airline and hotel transfer partners. This differs from all other Chase Ink credit cards.
  • Relatively high annual fee.
  • Lack of travel benefits like a Global Entry application fee credit, though you likely have that on another credit card.
Annual Fee: $195
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.01

When a card earns cash back, it has a value in our calculator of $0.01, just as you'd expect! 😉

APR: 19.49%-27.49% (Variable)
Author: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: May 29, 2024
Intro bonus:
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Annual Fee:
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Chase Ink Business PreferredÂź Credit Card

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(4.6) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:
$95

Bonus Offer

Get 100,000 Ultimate Rewards points as a bonus when you spend $8,000 in your first 3 months.

Get a 30% transfer bonus when you transfer Chase Ultimate Rewards to Virgin Atlantic Flying Club.

Offer expires on Jun 15, 2024

As always, your best uses are to fly Delta One to Europe (excluding England) for 50,000 miles – IF you can find available award space and to book ANA First and Business class awards.

Business Class on ANA to Japan would be 35,000 – 37,000 Chase points while First Class would be 56,000 – 66,000 Chase points (depending on if you are on the West Coast (cheaper) or East Coast.

One more great use is domestically on Delta within the US or US-Mexico/Canada.

Subscribe to Transfer Bonus Notifications
Get a 40% transfer bonus when you transfer Chase Ultimate Rewards to Marriott Bonvoy.

Offer expires on Jun 15, 2024

This is almost never a good transfer unless you are topping off for an award you are ready to book. Keep in mind that we value a Chase point at roughly 3X the value of a Marriott Bonvoy point.

However, there are always exceptions and you might find a 5 night stay (5th night free) where the tranfser makes sense so do the math – but you likely do not want to transfer speculatively.

Subscribe to Transfer Bonus Notifications

Bonus points for spend in the following bonus categories:

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

3 x
Airfare
Estimated Rewards Value: 5.25%

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

3 x
Transit
Estimated Rewards Value: 5.25%

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

3 x
Car Rentals
Estimated Rewards Value: 5.25%

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

3 x
Cellular Phone Service
Estimated Rewards Value: 5.25%

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

3 x
Hotels
Estimated Rewards Value: 5.25%

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

3 x
Advertising on Search Engines and Social Media
Estimated Rewards Value: 5.25%

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

3 x
Shipping
Estimated Rewards Value: 5.25%

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

3 x
Cable / Internet / VOIP Phone
Estimated Rewards Value: 5.25%

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

3 x
Cruises
Estimated Rewards Value: 5.25%
1 x
Everything Else
Estimated Rewards Value: 1.75%
+
 more
  • Earns fully transferable Chase Ultimate Rewards points
  • 3X points per dollar on travel and online advertising on social media sites up to $150,000 a year can mean huge points earnings. Limit is per account anniversary year
  • Primary Car Rental CDW, trip delay and cancellation insurance, and cell phone protection

Pros

  • 3X points per dollar for combined purchases travel, advertising on social media sites, phone services and more - up to $150,000 per account anniversary year can mean huge points earnings
  • Earns fully transferable Chase Ultimate Rewards points
  • Travel protections, primary car rental CDW, and cell phone protections

Cons

  • $95 annual fee
  • The 3X bonus categories have a cap of $150,000 on combined purchases, then the earn rate drops to 1X. It also earns 1 point per dollar on other eligible purchases.
  • No 0% intro APR offers
Annual Fee: $95
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.01-$0.0175

The Sapphire Reserve, Sapphire Preferred, and Ink Preferred all have the ability to transfer to airline and hotel partners. We use an average value that you can expect to get by utilizing your points for these transfer partners. If you do not have at least one of these cards, Ultimate Rewards are worth exactly 1 cent per point. Also keep in mind that when you redeem your points, you can elect to book travel through the Ultimate Rewards portal where the Sapphire Preferred and Ink Preferred have a point value of 1.25 cents per point and the Sapphire Reserve has points worth 1.5 cents each. You can move points freely between your Ultimate Rewards cards, i.e. from a Chase Freedom Unlimited to a Chase Sapphire Reserve. You can also read our Guide to Chase Ultimate Rewards points.

APR: 21.24%-26.24% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: May 29, 2024
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Chase AeroplanÂź Credit Card

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(4.2) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:
$95

Bonus Offer

Earn 70,000 points after you spend $3,000 on purchases in the first 3 months your account is open.

Bonus points for spend in the following bonus categories:

Applies to travel booked directly with Air Canada. Other airfare earns 1X miles per dollar.

3 x
Airfare
Estimated Rewards Value: 4.2%
3 x
Dining Out / Food Delivery
Estimated Rewards Value: 4.2%

Includes takeout and delivery

3 x
Groceries
Estimated Rewards Value: 4.2%
1 x
Everything Else
Estimated Rewards Value: 1.4%
+
 more
  • Eltie status for the first year of card membership and the following full year - with the option to retain Aeroplan elite status or upgrade to the next tier by meeting qualifying spend requirements
  • Earn 3x bonus points per $1 spent on purchases made through Air Canada directly, grocery stores, restaurants; and 1x point on all other purchases
  • Global Entry, TSA PreCheck or NEXUS application reimbursement every four years

Pros

  • Automatic 25k Aeroplan elite status for benefits like 20 eUpgrade credits to premium cabins on Air Canada flights, two passes to Maple Leaf lounges and more
  • Use Pay Yourself Back to redeem Aeroplan points for a statement credit towards any travel purchases at a favorable rate of 1.25 cents per point
  • Important travel and purchase coverage, such as trip delay reimbursement, baggage delay insurance, cell phone insurance and more

Cons

  • Aeroplan points aren't as flexible as transferrable currencies such as Chase Ultimate Rewards
  • $95 annual fee
  • Hefty spend requirement to retain or upgrade your Aeroplan elite status level
Annual Fee: $95
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.014

Aeroplan does not pass along any fuel surcharges, making this a great program for Star Alliance flights. Two huge additional benefits are a stopover on your trip for just 5,000 miles and a lap infant (under 2) is just $25 CAD. One small negative is that they do have fees for cancelling an award ticket.

APR: 21.74%-28.74% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: Stella Shon
Editor: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: May 29, 2024
Intro bonus:
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Annual Fee:
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United Club℠ Infinite Card

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(4.3) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Excellent (800-850) *
Annual Fee:
$525

Bonus Offer

Earn 80,000 United MileagePlus Miles after you spend $5,000 on qualifying purchases in the first three months of opening an account. Offer ends January 24, 2024.  

Bonus points for spend in the following bonus categories:

4 x
Airfare
Estimated Rewards Value: 4.8%
2 x
Dining Out / Food Delivery
Estimated Rewards Value: 2.4%
1 x
Everything Else
Estimated Rewards Value: 1.2%
+
 more
  • United Club membership for less than the cost of buying United Club membership, covering the annual fee and then some!
  • An absolute ton of benefits, from Premier Access treatment to top tier Avis elite status and IHG Platinum status, and Primary CDW.
  • Great shopping protections, including Return Protection on top of Extended Warranty and Purchase Protection.

Pros

  • Get United Club membership for less than the cost of buying United Club membership, covering the annual fee cost and then some!
  • A ton of shopping protections, from Return Protection to Extended Warranty and Purchase Protection.
  • Tons of additional benefits, from Premier Access treatment to top tier Avis elite status and IHG Platinum status, and Primary CDW.

Cons

  • High annual fee
  • Airport lounge access is limited to United Clubs and does not include any other lounges
  • Miles earned are limited to use in the United MileagePlus program
Annual Fee: $525
Foreign
Transaction Fee:
0%
Min Credit
Score:
Excellent (800-850) *
Point
Value:
$0.012

They have a similar network to AA in terms of reach via the Star Alliance and also (unlike Delta) allow for booking First Class international awards in the Star Alliance network, but they charge noticeably more for Partner Awards and the rates keep (stealthily) rising. United partner Lufthansa tends to have good availability to Europe making it somewhat easier to use to Europe than American, which relies heavily on British Airways and BA charges incredibly steep surcharges on those awards.

APR: 21.99%-28.99% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: May 29, 2024
Intro bonus:
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Annual Fee:
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View Table Image
Annual fee
$0
Point value
Best Multiplier
View Table Image
Annual fee
$95
Point value
Best Multiplier
View Table Image
Annual fee
$0
Point value
Best Multiplier
View Table Image
Annual fee
$0
Point value
$0.01
Best Multiplier
5x Lyft
1.5x Everything Else
View Table Image
Annual fee
$150
Point value
$0.005
Best Multiplier
12x Hotels
6x Gas Stations
+ 4 more
View Table Image
Annual fee
$0
Point value
$0.012
Best Multiplier
2x Airfare
2x Dining Out / Food Delivery
+ 1 more
View Table Image
Annual fee
$650
Point value
$0.012
Best Multiplier
3x Airfare
1x Everything Else
View Table Image
Annual fee
$350
Point value
$0.012
Best Multiplier
3x Airfare
3x Hotels
+ 4 more
View Table Image
Annual fee
$350
Point value
$0.012
Best Multiplier
3x Airfare
3x Hotels
+ 3 more
View Table Image
Annual fee
$0
Point value
$0.012
Best Multiplier
2x Shipping
2x Advertising (Online / TV / Radio)
+ 3 more

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