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Frequent Traveler University

The “best” credit card is not the same for everyone. You need perks that are meaningful to the way that you live. The most popular cards offer big sign-up bonuses ($500 or more) and/or great rewards for spending, particularly in high-volume categories, like travel or dining. But your needs may differ: Some cards offer zero interest or no annual fees, while others get you primary rental insurance,

Whatever benefit you’re looking for, we’ve got a great card to fit the bill. The cards below are listed in the order of their total bonus offer values.

Advertiser Disclosure: 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. Commissions do not affect or prioritize placement within our 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.

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8 Cards Available:

Credit card

Chase Ink Preferred

Annual Fee: $95

Estimated Bonus Value :

$1,750

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Annual Fee: $95

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Estimated Bonus Value :

$1,750

Offer: Get 100,000 Ultimate Rewards points as a bonus when you spend $15,000 in your first 3 months.

The Chase Ink Preferred credit card earns 3x Ultimate Rewards points on all travel, advertising, and shipping, as well on Internet, cable and phone services, up to $150,000 a year.

If your business spends a lot in any of these categories, you can earn a ton of points.

It also earns 5X Ultimate Rewards points on Lyft rides.

You'll get complimentary cell phone insurance when you pay your cell phone bill with this card. (See Chase website for details). No foreign transaction fees.

Offer: Get 100,000 Ultimate Rewards points as a bonus when you spend $15,000 in your first 3 months.
Credit card
Estimated Bonus Value :

$1,445

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Annual Fee: $595

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Estimated Bonus Value :

$1,445

Offer: 85,000 Membership Rewards points when you spend $15,000 within 3 months plus get 5x points for 3 months on shipping, wireless telephone services, advertising, office supplies and gas stations, up to 80,000 bonus points per category.

A great card for flights and prepaid hotels earning 5x points, and for large expenses over $5,000 for 1.5x points.

Get a suite of benefits that include Gold Hilton status, Gold Marriott status, the American Express Global Lounge Collection which includes Centurion, Delta, and Priority Pass Lounge access, Fine Hotels and Resorts benefits, and a $200 annual incidental airfare credit. You'll also get $100 in free Dell credits twice annually (Jan-June and July-Dec).

Note: When displaying Estimated Rewards Values and calculations, this card is factoring in airline and hotels at 5x. This requires booking at AmexTravel.com and, if you do not, your earned rewards will change. Hotel bookings made via AmexTravel will generally not earn points or elite benefits.

Offer: 85,000 Membership Rewards points when you spend $15,000 within 3 months plus get 5x points for 3 months on shipping, wireless telephone services, advertising, office supplies and gas stations, up to 80,000 bonus points per category.
Credit card

Chase Ink Business Cash

Annual Fee: $0

Estimated Bonus Value :

$1,313

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Annual Fee: $0

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Estimated Bonus Value :

$1,313

Offer: Get $750 in the form of 75,000 Ultimate Rewards points when you spend $7,500 in your first 3 months

This card generously offers an excellent 5x on up to $25,000 annually at office supply stores and on internet, cable, and phone services as well as 5X on Lyft rides. It also offers 2x on up to $25,000 annually at gas stations and restaurants.

Businesses with a lot of spend at office supply stores like Staples and Office Depot can really clean up.

Please note: The Estimated Rewards Value of an Ultimate Rewards point earned from this card assumes that you have a Chase Ink Preferred, Chase Sapphire Preferred, or Chase Sapphire Reserve as well, which allows portal redemptions worth 1.25 - 1.5 cents per point and the opportunity for even greater value with airline and hotel transfer partners. If you do not have one of these other Chase cards, points would be worth a flat 1 cent per point and this bonus would be worth exactly $500.

Offer: Get $750 in the form of 75,000 Ultimate Rewards points when you spend $7,500 in your first 3 months
Credit card
Estimated Bonus Value :

$1,275

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Annual Fee: $550

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Estimated Bonus Value :

$1,275

Offer: 75,000 Membership Rewards points when you spend $5,000 in your first 6 months + 10x points at U.S. Gas Stations and U.S. Supermarkets on up to $15,000 in combined purchases, during your first 6 months.

The Platinum Card is full of caché and its heavy metal design will catch more than a few looks. While the fee isn't small, you get a lot back in the form of monthly credits.

The benefits include a $200 in yearly Uber credits and Uber VIP status as well as $200 in annual incidental airline credits for your chosen airline, $100 in annual Saks Fifth Ave credits, access to the American Express Global Lounge Collection, which includes the Centurion Lounges, Priority Pass, and Delta SkyClubs when you are flying Delta.

New: for January to June 2021 only, the Amex Platinum has a $30 monthly PayPal credit as well.

NOTE: This card earns 5x on airfare and hotels, however, the airfare must be booked direct with the airline or at Amex Travel and the hotels must be prepaid at Amex Travel to earn 5x. This site's Estimated Rewards Values will calculate all airfare and hotels at 5x points, so if your hotels are booked directly (which you generally need to do to earn hotel points and status/benefits) please note that they will not earn 5x and your actual rewards value will vary accordingly.

Offer: 75,000 Membership Rewards points when you spend $5,000 in your first 6 months + 10x points at U.S. Gas Stations and U.S. Supermarkets on up to $15,000 in combined purchases, during your first 6 months.
Credit card
Estimated Bonus Value :

$1,050

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Annual Fee: $95

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Estimated Bonus Value :

$1,050

Offer: 60,000 bonus Ultimate Rewards points when you spend $4,000 in 3 months

Perhaps the best "starting out card" in miles and points.

The Chase Sapphire Preferred has a low annual fee, unlocks transfers from this and any linked Chase Ultimate Rewards-earning card to airline and hotel partners, comes with excellent built-in trip delay insurance, primary car rental CDW coverage and earns 2x points on travel and dining.

Chase Sapphire Preferred Card Earn Rate:

  • 5X Chase Ultimate Rewards points on Lyft rides though March 2022
  • 2X Ultimate Rewards points on travel and dining
  • 1X Ultimate Rewards on all other purchases

Also:

  • You'll get 2x total points on grocery store purchases - up to $1,000 per month - from November 1, 2020 to April 30, 2021. (Includes most pick-up and delivery services.)

Chase Will Let you “Pay Yourself Back”

Chase Sapphire Preferred cardmembers can always use their points to book travel via the travel portal where they get 1.25 cents per point.

Now, you can redeem in the same manner for grocery stores, home improvement stores and dining, including restaurants, takeout and eligible delivery services. Instead of using a “portal” to make the purchases, you just pay as you normally would and then go into the Chase website to “pay” for that purchase with points. You will get the same 1.25 cents per point in value as you get booking travel. The feature is branded “Pay Yourself BackSM“. 

The only requirement is that the merchant category be in one of the specified categories and you must “Pay yourself back” within 90 days of purchase. This feature will be on the card until at least April 2021.

Chase Sapphire Reserve cardmembers get the same opportunity, but at a higher 1.5 cents per point cash-out rate.

If you apply for a Chase credit card and don't get an instant approval, you may want to call the Chase reconsideration line.

Offer: 60,000 bonus Ultimate Rewards points when you spend $4,000 in 3 months
Credit card

American Express Gold Card

Annual Fee: $250

Estimated Bonus Value :

$1,020

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Annual Fee: $250

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Estimated Bonus Value :

$1,020

Offer: 60,000 bonus Membership Rewards points when you spend $4,000 in 6 months

This game-changing card offers 4x Membership Rewards points on restaurants and at US supermarkets, as well as 3x on flights. It also offers $10 in monthly dining credits (see card details for more information) and $100 in annual airline incidental credits.

Note that the airline credits will no longer be offered after 2021 and will be replaced with monthly Uber Eats credits which will begin in 2021. Cardholders in 2021 will get both benefits.

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.)

It's also important to note that as a card product that Amex used to classify as "charge," it is not counted against your 4 Amex credit card limit. The Gold Card will still be in the category of cards (former charge products) in which you can have up to 10. Those include the Green, Gold, Platinum, and Centurion.

Offer: 60,000 bonus Membership Rewards points when you spend $4,000 in 6 months
Credit card
Estimated Bonus Value :

$595

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Annual Fee: $295

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Estimated Bonus Value :

$595

Offer: Get 35,000 Membership Rewards points when you spend $5,000 within 3 months

You will earn 4 points per dollar on any 2 out of 6 categories, automatically selected each calendar month based on which ones you spent the most on, up to $150,000 per year.

Categories include airfare purchased directly with airlines, US advertising and media, US gas stations, US hardware/software/cloud computing services, US restaurants, and US shipping.

Also, get a 25% rebate on airfare paid on points with your card.

Offer: Get 35,000 Membership Rewards points when you spend $5,000 within 3 months
Credit card
Estimated Bonus Value :

$0

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Annual Fee: $0

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Estimated Bonus Value :

$0

Offer: None at this time

The American Express Blue Business Cash credit card allows you to earn a simple 2% in cash back (on up to $50,000 a year of purchases) without paying an annual fee. 

Offer: None at this time

Don’t Miss Out On Limited time Offers

Credit card companies regularly offer limited time increased signup bonus offers on their credit cards. They also sometimes change card benefits or otherwise change up their card lineups.
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