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Credit Card Reviews by JT Genter

About the Author

JT is currently the editor-in-chief for AwardWallet. He is also a freelance writer for Forbes Advisor, NerdWallet, and the LendingTree family of websites (ValuePenguin, CompareCards). He’s best known for publishing over 2,000 articles - including over 100 flight and hotel reviews - during more than 4 years at The Points Guy.

Chase Sapphire Preferred® Card

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(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

Bonus Offer

60,000 bonus Ultimate Rewards points when you spend $4,000 in 3 months. This is worth at least $750 towards travel!

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 2X points.

5x
Airfare
Estimated Rewards Value: 8.75%

Earn this multiplier when you purchase via the Chase Ultimate Rewards travel portal. If you purchase any other way, you will earn 2X points.

5x
Car Rentals
Estimated Rewards Value: 8.75%

Earn this multiplier when you purchase via the Chase Ultimate Rewards travel portal. If you purchase any other way, you will earn 2X points.

5x
Hotels
Estimated Rewards Value: 8.75%
3x
Dining Out / Food Delivery
Estimated Rewards Value: 5.25%
3x
Streaming Services
Estimated Rewards Value: 5.25%
2x
Transit
Estimated Rewards Value: 3.5%
2x
Cruises
Estimated Rewards Value: 3.5%
1x
Everything Else
Estimated Rewards Value: 1.75%
+
 more
  • Earns valuable and highly flexible Chase Ultimate Rewards points.
  • Extensive travel protections -- including lost luggage insurance and a damage waiver on rental cars.
  • 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 the Chase travel portal.
  • 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 points 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: 21.49%-28.49% (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:
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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: February 26, 2024
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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IHG One Rewards Premier Business Credit Card

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(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:
$99

Bonus Offer

Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months

Bonus points for spend in the following bonus categories:

10 points per dollar at eligible IHG hotels worldwide; 5X points per dollar on any other hotel purchases.

10x
Hotels
Estimated Rewards Value: 4%
5x
Airfare
Estimated Rewards Value: 2%
5x
Transit
Estimated Rewards Value: 2%
5x
Car Rentals
Estimated Rewards Value: 2%
5x
Gas Stations
Estimated Rewards Value: 2%
5x
Dining Out / Food Delivery
Estimated Rewards Value: 2%
5x
Office Supplies
Estimated Rewards Value: 2%
5x
Advertising on Search Engines and Social Media
Estimated Rewards Value: 2%
3x
Everything Else
Estimated Rewards Value: 1.2%
+
 more
  • Get IHG elite status, fourth night free on award stays, and discounts on points purchases.
  • The annual free night award alone can justify the annual fee.
  • Includes other travel perks like Global Entry, United TravelBank Cash, and travel protections.

Pros

  • Get IHG Platinum Elite status, fourth night free on award nights, and a free night certificate each account anniversary year.
  • Score other travel perks like United TravelBank Cash and a Global Entry, TSA PreCheck, or NEXUS reimbursement as a statement credit.
  • Earn bonus points in a variety of categories including at IHG hotels and gas stations.

Cons

  • IHG Rewards points aren't worth as much as other points currencies.
  • May have a lower sign-up bonus than the personal version of the card.
Annual Fee: $99
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.004

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.

APR: 21.49%-28.49% (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:
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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: February 26, 2024
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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IHG One Rewards Traveler 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:
$0

Bonus Offer

Limited Time Offer: Earn 100,000 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.

5x
Hotels
Estimated Rewards Value: 2%
3x
Cable / Internet / VOIP Phone
Estimated Rewards Value: 1.2%
3x
Gas Stations
Estimated Rewards Value: 1.2%
3x
Cellular Phone Service
Estimated Rewards Value: 1.2%
3x
Dining Out / Food Delivery
Estimated Rewards Value: 1.2%
3x
Streaming Services
Estimated Rewards Value: 1.2%
2x
Everything Else
Estimated Rewards Value: 0.8%
+
 more
  • 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
Annual Fee: $0
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.004

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.

APR: 21.49%-28.49% (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:
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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: February 26, 2024
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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Southwest Rapid Rewards® Priority 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:
$149

Bonus Offer

Limited-time offer: Earn Companion Pass® good through 2/28/25 plus 30,000 points after you spend $4,000 on purchases in the first 3 months from account opening. Offer ends 3/11/24.

Bonus points for spend in the following bonus categories:

Applies only to tickets purchased directly from Southwest. Other airfare earns 1X.

3x
Airfare
Estimated Rewards Value: 4.2%
2x
Transit
Estimated Rewards Value: 2.8%
2x
Cable / Internet / VOIP Phone
Estimated Rewards Value: 2.8%
2x
Cellular Phone Service
Estimated Rewards Value: 2.8%
2x
Streaming Services
Estimated Rewards Value: 2.8%
1x
Everything Else
Estimated Rewards Value: 1.4%
+
 more
  • Excellent Southwest-specific perks - including an annual travel credit and bonus points every cardmember anniversary.
  • Earn points toward Southwest Companion Pass and Tier Qualifying Points toward A-List and A-List Preferred Status.
  • Solid purchase and travel protections.

Pros

  • $75 Southwest annual travel credit
  • 7,500 bonus points each cardmember anniversary (worth $105)
  • Four Upgraded Boarding passes each year

Cons

  • $149 annual fee is the highest annual fee of any personal Southwest credit card.
  • Rapid Rewards points are only really valuable for Southwest award flights.
Annual Fee: $149
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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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: February 26, 2024
Intro bonus:
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YBCC Card Rate Stars Empty
Annual Fee:
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YBCC Card Rate Stars Empty
Benefits:
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Multipliers:
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Southwest Rapid Rewards® Premier Credit Card

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(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:
Good (670-739) *
Annual Fee:
$99

Bonus Offer

Limited-time offer: Earn Companion Pass® good through 2/28/25 plus 30,000 points after you spend $4,000 on purchases in the first 3 months from account opening. Offer ends 3/11/24.

Bonus points for spend in the following bonus categories:

Applies only to tickets purchased directly from Southwest. Other airfare earns 1X.

3x
Airfare
Estimated Rewards Value: 4.2%
2x
Transit
Estimated Rewards Value: 2.8%
2x
Cable / Internet / VOIP Phone
Estimated Rewards Value: 2.8%
2x
Cellular Phone Service
Estimated Rewards Value: 2.8%
2x
Streaming Services
Estimated Rewards Value: 2.8%
1x
Everything Else
Estimated Rewards Value: