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Chase Ink Business Unlimited® Credit Card
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.
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:
- 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
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.
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.
Chase Ink Business Cash® Credit Card
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.
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:
- Earns 5X on office supply stores, cable, internet, and phone
- Points earned can be transferred to other eligible Chase Ultimate Rewards cards
- Earn a 10% Business Relationship Bonus (only cards opened March 21 - Nov 2024; requires Chase Business Checking account) and No annual fee
Pros
- Great 5X (office supplies, cable, internet, phone) and 2X (gas stations and dining) bonus categories.
- 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
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.
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.
Capital One Spark Cash Select 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.
Bonus Offer
$500 when you spend $4,500 in 3 months
Bonus points for spend in the following bonus categories:
5% cash back on hotels and rental cars booked through Capital One Travel; 1X miles per dollar otherwise.
5% cash back on hotels and rental cars booked through Capital One Travel; 1X miles per dollar otherwise.
- No annual fee
- No foreign transaction fees
- Earn 1.5% Cash back on all eligible purchases
Pros
- No annual fee
- No foreign transaction fees
- Low minimum spend required to receive the Early Spend Bonus
Cons
- Only earns 1.5% where other cards earn 2% back
- Lacks a complete set of features and benefits that most annual fee cards have
- Capital One does a hard pull with all 3 credit bureaus when you apply
When a card earns cash back, it has a value in our calculator of $0.01, just as you'd expect! 😉
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.
Hilton Honors American Express Card
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.
Bonus Offer
Earn 100,000 Bonus Points after spending $2,000 on eligible purchases within the first six months of Card Membership (Terms apply).
Bonus points for spend in the following bonus categories:
Applies to bookings at Hilton Honors properties booked directly with Hilton. Otherwise, earn 3X
At U.S. Gas Stations
At U.S. Restaurants. Take out and delivery included.
At U.S. Supermarkets. * American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)
- No annual fee and no foreign transaction fees
- 7X points when staying at Hilton portfolio properties
- Comes with Silver Elite Status
Pros
- 7X points when staying at Hilton portfolio properties
- Comes with Silver Elite Status with the chance to earn Gold
- No annual fee and no foreign transaction fees
Cons
- Silver status benefits are light compared to Gold status
- The earn rate on everyday spend is higher on other cards
- Lacks any high end benefits, but then again it's a no annual fee card
Since Hilton moved to a variable pricing model, on average you'll be offered roughly a 0.5 cent value per point. What is nice is that although the pricing is mostly variable, they still cap the "standard" redemption rate on all properties. With the 5th night free on all award stays and resort fees waived on award stays, it's very possible to well exceed this value - even getting 1-2 cents per point - when used wisely.
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.
United Gateway℠ Card
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.
Bonus Offer
Earn 30,000 United MileagePlus® Miles after spending $1,000 on qualifying purchases in the first three months of opening an account, plus 0% APR on purchases within the first twelve months.
Bonus points for spend in the following bonus categories:
- No annual fee card
- Expanded "Saver" economy award availability
- A wide range of trip and purchase protections and benefits
Pros
- No Annual Fee
- Expanded "Saver" economy award availability
- A wide range of trip and purchase protections and benefits
Cons
- No free checked bags or priority boarding
- Does not provide the "upgrades on award ticket" benefit of the other United credit cards
- Mileage rate is not as good as many other cards and miles earned are only good in the United MileagePlus program
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.
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.
Marriott Bonvoy Bold Credit Card
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.
Bonus Offer
Earn 60,000 Points + 1 Free Night after spending $2,000 on eligible purchases within the first 3 months from account opening. 1 Free Night valued up to 50,000 points. Certain hotels have resort fees.
Bonus points for spend in the following bonus categories:
Earn 3X at Marriott Bonvoy properties booked direct. Earn 2X on all other hotel bookings.
Select Streaming services
- Beginner-friendly travel card with no annual fee and no foreign transaction fees to worry about
- Automatic Silver elite status with 15 annual elite night credits for holding the card
- Important travel and purchase coverages, including baggage delay insurance, trip delay reimbursement and purchase protection
Pros
- No annual fee
- Automatic Silver elite status in the Marriott Bonvoy program and 15 elite night credits every year
- Earn 6X Bonvoy points at participating Marriott hotels
Cons
- Marriott Bonvoy Silver elite status won't get you much besides priority late checkout
- The card doesn't come with a Marriott free night award
- The earning rate on non-Marriott purchases is mediocre (2x points on travel purchases and 1x points on all other eligible purchases)
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.
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.
Chase Freedom Flex 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.
Bonus Offer
Get $200 (20,000 Ultimate Rewards points) when you spend $500 in your first 3 months.
Bonus points for spend in the following bonus categories:
Earn this multiplier when you purchase via the Chase Ultimate Rewards travel portal. If you purchase any other way, you will earn 1X points.
Earn this multiplier when you purchase via the Chase Ultimate Rewards travel portal. If you purchase any other way, you will earn 1X points.
Earn this multiplier when you purchase via the Chase Ultimate Rewards travel portal. If you purchase any other way, you will earn 1X points.
- 0% Intro APR offers for both new purchases and balance transfers
- 5% cash back on rotating bonus categories each quarter (on up to $1,500 in combined purchases per quarter)
- Comes with great shopping benefits like Purchase Protection and Extended Warranty
Pros
- No annual fee
- 0% Intro APR offers on both purchases and balance transfers
- Points earned can be combined with other cards that earn Chase Ultimate Rewards
Cons
- Cannot transfer points to airline or hotel partners unless you also have a Chase Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred
- Carries a foreign transaction fee of 3%
- Limited trip protections and no bonus points on travel purchases
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.
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.
Citi Custom Cash℠ Card
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.
Bonus Offer
Earn $200 in cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Bonus points for spend in the following bonus categories:
- The Citi Custom Cash rewards you with 5% cash back on your top spending category each month, on up to $500, from a broad range of selected categories.
- The only credit card to offer 5% on home improvement stores.
- The Citi Custom Cash card pairs well with a Citi Double Cash card, Citi Premier, or both!
Pros
- 5% is the highest possible reward for many of the Custom Cash Card's bonus categories
- No annual fee
- Includes very rare bonus categories, like home improvement stores
Cons
- With the Citi Custom Cash, your 5X earnings are capped at $500 per statement cycle on your top spend category each billing period
- Has a fairly low bonus offer, although not too bad for a no-annual fee credit card
- Charges a foreign transaction fee
If you have a Citi Strata Premier® card or a legacy Citi Prestige card, you can transfer your points to Citi's full range of airline and hotel partners. Other ThankYou points-earning cards can be pooled with your Premier or Prestige to unlock airline and hotel program transfers. We calculate that you can get an average of 1.6 cents per point when redeeming this way. If you have any other Citi ThankYou point cards and do not have a Strata Premier or Prestige, then your ThankYou points are worth 1 cent each.
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.
Citi® Double Cash Card
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.
Bonus Offer
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Bonus points for spend in the following bonus categories:
- It's easy to earn 2% cash back on all purchases
- No annual fee
- Can be combined with a Citi Premier to transfer points to airline and hotel partners
Pros
- It's easy to earn 2% cash back on all purchases
- No annual fee
- Can be combined with a Citi Premier® to transfer points to airline and hotel partners
Cons
- No bonus categories
- No travel or shopping protections
- Charges a foreign transaction fee
If you have a Citi Strata Premier® card or a legacy Citi Prestige card, you can transfer your points to Citi's full range of airline and hotel partners. Other ThankYou points-earning cards can be pooled with your Premier or Prestige to unlock airline and hotel program transfers. We calculate that you can get an average of 1.6 cents per point when redeeming this way. If you have any other Citi ThankYou point cards and do not have a Strata Premier or Prestige, then your ThankYou points are worth 1 cent each.
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.
IHG One Rewards Traveler Credit Card
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.
Bonus Offer
Earn 80,000 Bonus Points after spending $2,000 on purchases within the first 3 months of account opening.
Bonus points for spend in the following bonus categories:
At IHG brand hotels and resorts booked directly; otherwise earn 2X.
- Despite no annual fee, get IHG Silver Elite and a fourth reward night free on rewards of 4 or more consecutive nights
- Earn bonus points at IHG hotels and resorts, at gas stations, streaming services, and more
- Get solid purchase and travel protections
Pros
- Get a fourth night free on all reward night stays of 4+ nights.
- No annual fee.
- Solid sign up bonus points, especially for a no annual fee card.
Cons
- Doesn't come with a free night award, like the IHG Premier Card
- Complimentary Silver Elite status doesn't offer many perks
IHG, home of hotel brands like Intercontinental and Holiday Inn, generally provide about four tenths of a cent in value, following a 2021 devaluation and move to fully dynamic award pricing. I'll redeem when I can get more than that. While you can transfer from Chase Ultimate Rewards to IHG, you really never should as you are cutting the value in half as they transfer 1:1. There is no cap on any hotel rates in points like with Hilton. If you have an IHG Premier or Business Premier credit card, you'll get the 4th night free on rewards which can add significant value.
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.
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