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Spencer Johnson’s Favorite Credit Cards

Spencer discusses the topics you didn’t learn in school on his YouTube Channel… credit cards and personal finance. He shares his knowledge of personal finance with college students and any individuals who, just like him, did not learn about topics such as credit cards, investing, taxes, bank accounts, etc. from formal education.

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.
Chase Sapphire Preferred® Card Chase Sapphire Preferred® Card image
YBCC Card Rate Stars Filled
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(4.1)

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 Sapphire Preferred® Card

Annual fee:
$95
Min credit score:
Good (670-739) *

⌛ 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!

The best starter rewards credit card with powerful card benefits, a solid signup bonus, and a great introduction into Chase Ultimate Rewards points.

Bonus points for spend in the following categories:

5x Airfare

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

5x Car Rentals

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

+6 more
Card Details Learn How to Apply
Capital One Venture X Credit Card Capital One Venture X Credit Card image
YBCC Card Rate Stars Filled
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(4.4)

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 Venture X Credit Card

Annual fee:
$395
Min credit score:
Excellent (800-850) *

🎁 Bonus offer

Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening.

A true all-in-one travel card, including airport lounge access and much, much more.

Bonus points for spend in the following categories:

10x Car Rentals

Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.

10x Hotels

Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.

+2 more
Card Details Learn How To Apply
Chase Freedom Unlimited® Chase Freedom Unlimited® image
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.3)

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 Unlimited®

Annual fee:
$0
Min credit score:
Good (670-739) *

⌛ Limited Time Offer

Limited Time Intro Offer: Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from
account opening

The Chase Freedom Unlimited is a simple credit card earning at least 1.5% cash back on everything, but pair it with a Sapphire Reserve or Sapphire Preferred and you've got a powerful combo with the cash back from this card usable as valuable and transferable Chase Ultimate Rewards points.

Bonus points for spend in the following categories:

5x Airfare

Earn this multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 1.5X points.

5x Car Rentals

Earn this multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 1.5X points.

+4 more
Card Details Learn How to Apply
Chase Sapphire Reserve® Chase Sapphire Reserve® image
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.5)

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 Sapphire Reserve®

Annual fee:
$550
Min credit score:
Excellent (800-850) *

🎁 Bonus offer

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

The top of the line Chase Ultimate Rewards credit card, it's an easy and rewarding credit card for frequent travelers.

Bonus points for spend in the following categories:

10x Car Rentals

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

10x Hotels

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

+5 more
Card Details Learn How to Apply
Chase Ink Business Cash® Credit Card Chase Ink Business Cash® Credit Card image
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.8)

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

Annual fee:
$0
Min credit score:
Good (670-739) *

🎁 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.

Want a no annual fee card that earns a ton on office supply stores and on internet, cable and phone services? This is your card.

Bonus points for spend in the following categories:

5x Cable / Internet / VOIP Phone
5x Cellular Phone Service
+4 more
Card Details Learn How to Apply
Chase Ink Business Unlimited® Credit Card Chase Ink Business Unlimited® Credit Card image
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.4)

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 Unlimited® Credit Card

Annual fee:
$0
Min credit score:
Good (670-739) *

🎁 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.

Completing the Chase Ink Trifecta is the Chase Ink Business Unlimited®, offering 1.5% cash back on all eligible purchases.

Bonus points for spend in the following categories:

1.5x Everything Else
Card Details Learn How to Apply
American Express® Business Gold Card American Express® Business Gold Card image
YBCC Card Rate Stars Filled
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(4.3)

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.

American Express® Business Gold Card

American Express is an Advertising Partner
Annual fee:
$375 (Rates and fees)
Min credit score:
Good *

🎁 Bonus offer

Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership. Terms apply.

A great card for a small business owner with a lot of business spend. 4X points on a wide range of popular business spend categories where you spend the most each billing cycle can really add up!

Bonus points for spend in the following categories:

4x Advertising (Online / TV / Radio)

Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000

4x Cellular Phone Service

Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000

+7 more
Card Details How to apply
Chase Ink Business Preferred® Credit Card Chase Ink Business Preferred® Credit Card image
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.6)

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 Preferred® Credit Card

Annual fee:
$95
Min credit score:
Good (670-739) *

🎁 Bonus offer

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

The Chase Ink Business Preferred® is the cornerstone Chase business card, allowing you to transfer points to Chase Ultimate Rewards airline and hotel transfer partners and earning 3X points per dollar in combined purchases on popular categories like travel and select online advertising purchases (up to $150,000 per year).

Bonus points for spend in the following categories:

3x Advertising on Search Engines and Social Media

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.

3x Airfare

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.

+8 more
Card Details Learn How to Apply
The Blue Business® Plus Credit Card from American Express The Blue Business® Plus Credit Card from American Express image
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.3)

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.

The Blue Business® Plus Credit Card from American Express

American Express is an Advertising Partner
Annual fee:
$0 (Rates and fees)
Min credit score:
Good *

🎁 Bonus offer

Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. Terms Apply.

The Blue Business Plus Credit Card from American Express is an excellent credit card for small business owners, helping you maximize your everyday business purchases with no credit limit or annual fee to worry about.

Bonus points for spend in the following categories:

2x Advertising (Online / TV / Radio)
2x Advertising on Search Engines and Social Media
+19 more
Card Details How to apply
American Express® Business Gold Card American Express® Business Gold Card image
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.3)

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.

American Express® Business Gold Card

American Express is an Advertising Partner
Annual fee:
$375 (Rates and fees)
Min credit score:
Good *

🎁 Bonus offer

Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership. Terms apply.

A great card for a small business owner with a lot of business spend. 4X points on a wide range of popular business spend categories where you spend the most each billing cycle can really add up!

Bonus points for spend in the following categories:

4x Advertising (Online / TV / Radio)

Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000

4x Cellular Phone Service

Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000

+7 more
Card Details How to apply
Southwest® Rapid Rewards® Performance Business Credit Card Southwest® Rapid Rewards® Performance Business Credit Card image
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.3)

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.

Southwest® Rapid Rewards® Performance Business Credit Card

Annual fee:
$199
Min credit score:
Good (670-739) *

🎁 Bonus offer

Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.

The go-to card for small business owners who are Southwest frequent travelers.

Bonus points for spend in the following categories:

4x Airfare

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

2x Cable / Internet / VOIP Phone
+2 more
Card Details Learn How to Apply

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