accordion-minus accordion-plus account-aside-cards-ico account-aside-consultations-ico account-aside-logout-ico account-aside-profile-ico account-aside-reading-ico account-aside-settings-ico account-aside-wishlist-ico account-categories-edit account-categories-save account-mobile-nav-arr account-sidebar-active bonus-ico btn-find-ico btn-gradient-fb-ico btn-ico-edit business-ico calc-ico cash-ico check-green close-ico compare-card-equal-ico compare-card-plus-ico compare-plus-ico compare-tooltip-arr compare-tooltip-close compare-tooltip-ico correct-ico correct-large-ico credit-card-bullet dashboard-btn-arr dashboard-email-ico dashboard-pass-ico err-info-ico facebook facetwp-selections-arr filter-arr filter-cross heart-ico-filled heart-ico hero-section-bg-animated-mask hero-section-bg-mask-2 hero-section-bg-mask home-slider-arr-icon incorrect-ico insta is-best-ico listing-mob-filter listing-mob-sort loader-ico lock-ico-filled-white lock-ico-filled lock-ico login-facebook login-google login-linkedin my-cards-toggle notification-close-ico notification-success-ico notify-like-clicked notify-like notify-me-ico-clicked notify-me-ico num-counter-item-ico personal-ico points-ico price-edit-blue profile-ico remove-card search-ico select-arr share-facebook-ico share-linkedin-ico share-mail-ico share-twitter-ico sign-in-google-ico slider-ico-1 slider-ico-2 slider-ico-3 slider-ico-4 slider-ico-5 slider-ico-6 stars-5-empty stars-5-filled-edit stars-5-filled tooltip-filter-ico-green tooltip-filter-ico-light tooltip-filter-ico-white tooltip-filter-ico tooltip-ico transfer-bonus-ico transfer-bonuses-close transfer-tooltip-ico twitter-widget-ico twitter ybcc-comparison-arr ybcc-comparison-card ybcc-socials-fb ybcc-socials-inst ybcc-socials-tw ybcc-socials-yt youtube
Explore Credit Cards Add Your Spending Profile
💳 Subscribe to Bonus Offer Notifications!

Our “Famous Card Explorer”

Our Credit Card Explorer lets you narrow down the overwhelming selection of available credit cards to only the ones that match your exact preferences.

Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on Your Best Credit Cards are from advertisers and may impact how and where card products appear on the site. Your Best Credit Cards does not include all card companies or all available card offers. Commissions do not affect or prioritize placement within our Card Explorer results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

* Suggested credit score ranges are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.

Settings

Personal or business card?:

I am looking for:

Sort by:

Chase Sapphire Preferred® Card

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.1) 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

⌛ Limited Time Offer

Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. Best offer this year!

Get a 80% transfer bonus when you transfer Chase Ultimate Rewards to IHG One Rewards.

Offer expires on Apr 30, 2025

Get 1,800 IHG Rewards Points for every 1,000 Chase Ultimate Rewards® points when you transfer by 11:59PM ET on April 30, 2025

We see transfer bonuses from Chase to IHG ranging from 60% to 80% approximately twice a year.

Do some sample searches before considering this bonus as we value an IHG point around 0.4 cents and a Chase point around 1.75 cents making the math here hard to justify. it’s a bit better if you have an IHG Premier or IHG Business Premier credit card which gives the 4th night free on awards.

So even though this is the high end the bonus range, I’d be hard pressed to recommend this transfer unless you know exactly what you are booking and the value exceeds what else you can get with your Ultimate Rewards® points.

Subscribe to Transfer Bonus Notifications

Bonus points for spend in the following bonus categories:

Earn this multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.

5 x
Airfare
Estimated Rewards Value: 8.75%

Earn this multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.

5 x
Car Rentals
Estimated Rewards Value: 8.75%

Earn this multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.

5 x
Hotels
Estimated Rewards Value: 8.75%
3 x
Dining Out / Food Delivery
Estimated Rewards Value: 5.25%
3 x
Streaming Services
Estimated Rewards Value: 5.25%
2 x
Transit
Estimated Rewards Value: 3.5%
2 x
Cruises
Estimated Rewards Value: 3.5%
1 x
Everything Else
Estimated Rewards Value: 1.75%
+
 more
Notify me of bonus offer changes
  • Earns valuable and highly flexible Chase Ultimate Rewards points
  • Extensive travel protections -- including lost luggage insurance and a collision damage waiver on rental cars up to $60,000 (Primary except in NY where it is secondary)
  • 3X points on dining means you can rack up points quickly!

Pros

  • You can offset the annual fee by more than half with the $50 annual credit on hotel stays purchased through Chase Travel℠
  • Earns valuable and highly flexible Chase Ultimate Rewards points.
  • Extensive travel protections -- including lost luggage insurance and a damage waiver on rental cars.

Cons

  • A low earning rate of 1x point per dollar on other purchases keeps it from being an ideal everyday spending card.
  • High credit scores required for account opening.
  • Lack of travel benefits like a Global Entry application fee credit.
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: 19.99%-28.24% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: JT Genter
Editor: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

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: April 24, 2025
Intro bonus:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Annual Fee:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Benefits:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Multipliers:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

Chase Ink Business Preferred® Credit Card

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(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

Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

Get a 80% transfer bonus when you transfer Chase Ultimate Rewards to IHG One Rewards.

Offer expires on Apr 30, 2025

Get 1,800 IHG Rewards Points for every 1,000 Chase Ultimate Rewards® points when you transfer by 11:59PM ET on April 30, 2025

We see transfer bonuses from Chase to IHG ranging from 60% to 80% approximately twice a year.

Do some sample searches before considering this bonus as we value an IHG point around 0.4 cents and a Chase point around 1.75 cents making the math here hard to justify. it’s a bit better if you have an IHG Premier or IHG Business Premier credit card which gives the 4th night free on awards.

So even though this is the high end the bonus range, I’d be hard pressed to recommend this transfer unless you know exactly what you are booking and the value exceeds what else you can get with your Ultimate Rewards® points.

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
Notify me of bonus offer changes
  • 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: 20.24%-26.24% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

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: April 24, 2025
Intro bonus:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Annual Fee:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Benefits:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Multipliers:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

United℠ Business Card

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(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:
$150

👑 Best Ever Offer

Earn 125,000 United MileagePlus bonus miles, after spending $5,000 on qualifying purchases in the first three months of opening an account.

Bonus points for spend in the following bonus categories:

2 x
Airfare
Estimated Rewards Value: 2.4%
2 x
Transit
Estimated Rewards Value: 2.4%
2 x
Gas Stations
Estimated Rewards Value: 2.4%
2 x
Dining Out / Food Delivery
Estimated Rewards Value: 2.4%
2 x
Office Supplies
Estimated Rewards Value: 2.4%
1 x
Everything Else
Estimated Rewards Value: 1.2%
+
 more
Notify me of bonus offer changes
  • Earn up to 2x United miles on select bonus categories and PQPs to help you qualify for the next level of Premier elite status
  • Free first checked bag benefit, worth $40 or up to $160 per round trip (Terms apply) for every round-trip United Airlines flight you take
  • Elevate your United flights with two annual United Club certificates, 25% savings on inflight purchases, and priority boarding for you and your companions on the same booking

Pros

  • United travel perks, such as your first checked bag free, priority boarding privileges, two annual United Club passes and more
  • Earn up to 4,000 Premier® qualifying points (PQP) towards elite status
  • Great travel and purchase protections that can help your business save when things don't go as planned

Cons

  • The annual fee is $150
  • Only provides two United Club passes per year
  • Subpar earning rate, as you can only earn up to 2x bonus miles on eligible categories
Annual Fee: $150
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
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: 20.49%-28.99% (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:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

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: April 24, 2025
Intro bonus:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Annual Fee:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Benefits:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Multipliers:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

Chase Ink Business Unlimited® Credit Card

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.4) 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:
$0

🎁 Bonus offer

Get $750 in the form of 75,000 Ultimate Rewards points when you spend $6,000 in your first 3 months. Points are transferrable if you also hold a Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred.

Bonus points for spend in the following bonus categories:

1.5 x
Everything Else
Estimated Rewards Value: 1.5%
+
 more
Notify me of bonus offer changes
  • Simple. Earn 1.5% cash back on all purchases
  • Rich signup bonus
  • No annual fee

Pros

  • With 1.5% cash back on all purchases, it's a perfect "default" card for purchases not in a bonus category on your other cards
  • No annual fee
  • Points earned can be transferred to your Chase Ink Preferred®, Sapphire Preferred® Card, or Sapphire Reserve® Card

Cons

  • Comes with a foreign transaction fee when travelling or making a purchase in a foreign currency
  • Rewards earned are only cash back, although you can transfer the Ultimate Rewards points earned to a Chase Ink Preferred®, Sapphire Preferred® Card, or Sapphire Reserve® Card to enable airline and hotel points transfers
  • No bonus spend categories
Annual Fee: $0
Foreign
Transaction Fee:
3% of each transaction in U.S. dollars
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: 0 % Intro APR (on purchases for 12 months, 17.49%-23.49% thereafter)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

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: April 24, 2025
Intro bonus:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Annual Fee:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Benefits:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Multipliers:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

Chase Ink Business Cash® Credit Card

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.8) 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:
$0

🎁 Bonus offer

Earn $350 in the form of 35,000 Ultimate Rewards points when you spend $3,000 on purchases in the first three months and an additional $400 in the form of 40,000 Ultimate Rewards points when you spend $6,000 on purchases in the first six months after account opening. Points are transferrable if you also hold a Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred.

Bonus points for spend in the following bonus categories:

5 x
Cable / Internet / VOIP Phone
Estimated Rewards Value: 5%
5 x
Cellular Phone Service
Estimated Rewards Value: 5%
5 x
Office Supplies
Estimated Rewards Value: 5%
2 x
Gas Stations
Estimated Rewards Value: 2%
2 x
Dining Out / Food Delivery
Estimated Rewards Value: 2%
1 x
Everything Else
Estimated Rewards Value: 1%
+
 more
Notify me of bonus offer changes
  • Earns 5X on office supply stores, cable, internet, and phone
  • Points earned can be transferred to other eligible Chase Ultimate Rewards cards
  • No annual fee

Pros

  • Great 5X (office supplies, cable, internet, phone) and 2X (gas stations and dining) bonus categories - on up to $25,000 in combined purchases each cardmember year.
  • No annual fee
  • Points earned can be combined to a Chase Ink Preferred®, Chase Sapphire Preferred® Card, or Chase Sapphire Reserve® Card

Cons

  • Charges a foreign transaction fee
  • Rewards earned are only cash back unless you have a Chase Ink Preferred®, Chase Sapphire Preferred® Card, or Chase Sapphire Reserve® Card to unlock points transfers
  • Earns only 1% on non-bonus categories
Annual Fee: $0
Foreign
Transaction Fee:
3% of each transaction in U.S. dollars
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: 0 % Intro APR (on purchases for 12 months, 17.49%-25.49% thereafter)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

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: April 24, 2025
Intro bonus:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Annual Fee:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Benefits:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Multipliers:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Notify me of bonus offer changes
All information about the Marriott Bonvoy Boundless® Credit Card has been collected independently by Your Best Credit Cards.

Marriott Bonvoy Boundless® Credit Card

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.9) 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:
Very good (740-799) *
Annual Fee:
$95

☝ Increased Offer

Earn 3 Free Nights (each night valued up to 50,000 points) after spending $3,000 on eligible purchases within 3 months of account opening. Certain hotels have resort fees. Plus, earn 50,000 bonus points after spending $6,000 total on eligible purchases within 6 months of account opening.

Bonus points for spend in the following bonus categories:

Earn 6X when you book Marriott Bonvoy properties direct. Earn 2X on all other hotel bookings.

6 x
Hotels
Estimated Rewards Value: 3.6%
3 x
Gas Stations
Estimated Rewards Value: 1.8%
3 x
Dining Out / Food Delivery
Estimated Rewards Value: 1.8%
3 x
Groceries
Estimated Rewards Value: 1.8%
2 x
Everything Else
Estimated Rewards Value: 1.2%
+
 more
Notify me of bonus offer changes
  • Earn a free night award every year worth up to 35,000 Marriott Bonvoy points
  • Earn an outstanding 6X points per dollar for stays at Marriott Bonvoy hotels and resorts.
  • Automatic Marriott Bonvoy Silver elite status, with a pathway to Gold status every year by spending $35,000+ on the card

Pros

  • The annual free night award on the card is worth around $210 based on our estimations - more than double the $95 annual fee
  • The card is especially rewarding on Marriott purchases, with the ability to earn an excellent 6X multiplier at Marriott Bonvoy properties
  • Great travel card all around, thanks to travel protections and no foreign transaction fees

Cons

  • $95 annual fee
  • Silver elite status doesn't provide many perks on its own, so it's worth it to achieve Gold status or upgrade to a higher-tier Marriott Bonvoy credit card
  • Only earns 2x Marriott Bonvoy points per dollar after reaching the $6,000 cap on combined purchases on grocery stores, gas stations and dining
Annual Fee: $95
Foreign
Transaction Fee:
0%
Min Credit
Score:
Very good (740-799) *
Point
Value:
$0.006

While Marriott Bonvoy dropped all award charts in favor of a dynamic pricing system, it hasn't gotten out of hand and the 5th night free on awards can still provide outsized value. It's also hard to beat the breadth of Marriott Bonvoy properties all over the world.

Author: Stella Shon
Editor: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

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: April 24, 2025
Intro bonus:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Annual Fee:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Benefits:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Multipliers:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

United Club℠ Card

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(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:
$695

☝ Increased Offer

Earn 95,000 United MileagePlus bonus miles, after spending $5,000 on qualifying purchases in the first three months of opening an account.

Bonus points for spend in the following bonus categories:

On United only; otherwise earn 2 miles per dollar

4 x
Airfare
Estimated Rewards Value: 4.8%
2 x
Dining Out / Food Delivery
Estimated Rewards Value: 2.4%
2 x
Car Rentals
Estimated Rewards Value: 2.4%
2 x
Transit
Estimated Rewards Value: 2.4%

Earn 5 miles per $1 spent on hotel accommodations when you prepay directly through Renowned Hotels and Resorts using your United Club℠ Card.

2 x
Hotels
Estimated Rewards Value: 2.4%
2 x
Cruises
Estimated Rewards Value: 2.4%
1 x
Everything Else
Estimated Rewards Value: 1.2%
+
 more
Notify me of bonus offer changes
  • 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.
  • Earn up to 28,000 Premier qualifying points per calendar year (1 PQP for every $15 you spend on purchases), up to and including the Premier 1K® level

Cons

  • High annual fee
  • Airport lounge access is limited to United Clubs and does not include any other lounges unless you qualify for All Access membership
  • Miles earned are limited to use in the United MileagePlus program
Annual Fee: $695
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: 20.49%-28.99% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

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: April 24, 2025
Intro bonus:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Annual Fee:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Benefits:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Multipliers:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
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

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(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

👑 Best Ever Offer

35,000 Bonus Points after spending $3,000 within the first three months from account opening. Plus, you can earn up to 30,000 more Bonus Points by earning 2 Bonus Points total per $1 spent on purchases that normally earn 1 Bonus Point for the first 6 months from account opening, on up to $15,000 spent.

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%
+
 more
Notify me of bonus offer changes
  • 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:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

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: April 24, 2025
Intro bonus:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Annual Fee:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Benefits:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Multipliers:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

United Quest℠ Credit Card

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(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:
$350

👑 Best Ever Offer

Earn 90,000 United MileagePlus bonus miles and 500 PQPs, after spending $4,000 on qualifying purchases in the first three months of opening an account.

Bonus points for spend in the following bonus categories:

3 x
Airfare
Estimated Rewards Value: 3.6%
2 x
Transit
Estimated Rewards Value: 2.4%
2 x
Car Rentals
Estimated Rewards Value: 2.4%
2 x
Dining Out / Food Delivery
Estimated Rewards Value: 2.4%
2 x
Hotels
Estimated Rewards Value: 2.4%
2 x
Streaming Services
Estimated Rewards Value: 2.4%
1 x
Everything Else
Estimated Rewards Value: 1.2%
+
 more
Notify me of bonus offer changes
  • Generous United-specific perks (and unique among airline credit cards) including a $200 annual credit on United purchases, two free checked bags, and up to 10,000 miles back on award tickets.
  • Spending on the card helps you earn towards United elite status.
  • Long list of travel and purchase protections.

Pros

  • $200 annual United purchase statement credit that will help offset the $350 annual fee.
  • Up to 10,000 miles back: Automatically get 10,000 United miles back into your account after taking a United award flight, starting with your first cardmember anniversary.
  • Priority boarding and complimentary space-available upgrades when flying on award tickets if you have United elite status.

Cons

  • No airport lounge access
  • $350 annual fee is steep at first glance, but easy to maximize for semi-frequent United flyers
  • United miles are not transferable and its best uses are for United, Star Alliance, and partner flight redemptions.
Annual Fee: $350
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
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: 20.49%-28.99% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: Chris Dong
Editor: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

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: April 24, 2025
Intro bonus:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Annual Fee:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Benefits:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Multipliers:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

Chase Sapphire Reserve®

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.5) 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:
Excellent (800-850) *
Annual Fee:
$550

🎁 Bonus offer

Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

Get a 80% transfer bonus when you transfer Chase Ultimate Rewards to IHG One Rewards.

Offer expires on Apr 30, 2025

Get 1,800 IHG Rewards Points for every 1,000 Chase Ultimate Rewards® points when you transfer by 11:59PM ET on April 30, 2025

We see transfer bonuses from Chase to IHG ranging from 60% to 80% approximately twice a year.

Do some sample searches before considering this bonus as we value an IHG point around 0.4 cents and a Chase point around 1.75 cents making the math here hard to justify. it’s a bit better if you have an IHG Premier or IHG Business Premier credit card which gives the 4th night free on awards.

So even though this is the high end the bonus range, I’d be hard pressed to recommend this transfer unless you know exactly what you are booking and the value exceeds what else you can get with your Ultimate Rewards® points.

Subscribe to Transfer Bonus Notifications

Bonus points for spend in the following bonus categories:

Only applies to bookings made viaChase Travel℠. Otherwise earn 3X points per dollar.

10 x
Car Rentals
Estimated Rewards Value: 17.5%

Only applies to bookings made viaChase Travel℠. Otherwise earn 3X points per dollar.

10 x
Hotels
Estimated Rewards Value: 17.5%

Only applies to bookings made via Chase Travel℠. Otherwise earn 3X points per dollar.

5 x
Airfare
Estimated Rewards Value: 8.75%
3 x
Transit
Estimated Rewards Value: 5.25%
3 x
Dining Out / Food Delivery
Estimated Rewards Value: 5.25%
3 x
Cruises
Estimated Rewards Value: 5.25%
1 x
Everything Else
Estimated Rewards Value: 1.75%
+
 more
Notify me of bonus offer changes
  • Earns extremely valuable Chase Ultimate Rewards points
  • Priority Pass Select airport lounge access for you and 2 guests
  • 3X points on dining and travel purchases with no limit - and even more points per dollar when you book airfare, hotels, and car rentals through Chase

Pros

  • Aside from a $300 annual credit on travel, you'll earn 3X Chase Ultimate Rewards points on all your travel purchases - and even more when you book via Chase
  • Full Priority Pass Select airport lounge access for you and 2 guests, including Priority Pass Experiences
  • Chase Ultimate Rewards points are both extremely valuable and simple to use

Cons

  • High annual fee
  • Not as many bonus categories as some other cards
  • Doesn't come with any airline or hotel statuses
Annual Fee: $550
Foreign
Transaction Fee:
0%
Min Credit
Score:
Excellent (800-850) *
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: 20.24%-28.74% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

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: April 24, 2025
Intro bonus:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Annual Fee:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Benefits:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Multipliers:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
View Table Image
Annual fee
$595
Point value
$0.014
Best Multiplier
View Table Image
Annual fee
$95
Point value
$0.017
Best Multiplier
View Table Image
Annual fee
$95
Point value
$0.01 -
$0.0175
Best Multiplier
3x Airfare
3x Transit
+ 8 more
View Table Image
Annual fee
$95
Point value
$0.01 -
$0.0175
Best Multiplier
5x Airfare
5x Car Rentals
+ 6 more
View Table Image
Annual fee
$0
Point value
$0.01 -
$0.0175
Best Multiplier
1.5x Everything Else
View Table Image
Annual fee
$0
Point value
$0.01 -
$0.0175
Best Multiplier
5x Cable / Internet / VOIP Phone
5x Cellular Phone Service
+ 4 more
View Table Image
Annual fee
$195
Point value
$0.01
Best Multiplier
5x Airfare
5x Cruises
+ 4 more
View Table Image
Annual fee
$95
Point value
$0.016
Best Multiplier
5x Hotels
5x Car Rentals
+ 1 more
View Table Image
Annual fee
$0
Point value
$0.016
Best Multiplier
5x Hotels
5x Car Rentals
+ 1 more
View Table Image
Annual fee
$550
Point value
$0.01 -
$0.0175
Best Multiplier
10x Car Rentals
10x Hotels
+ 5 more

Your account has been successfully created!