Top Rewards Credit Card Offers for December 2020

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Welcome offers on rewards cards are constantly changing. So, each month the AwardWallet editorial team assembles the top credit card offers currently available. The bonus—adjusted for how much the points are worth—get's the most weight. To round out the list, we consider each card's long-term value, application restrictions, and take into account how much spending is required to capture the full bonus.

Here are our top rewards card offers for December 2020.

Best Rewards Credit Card Offers for December 2020

Ink Business Cash® Credit Card
Ink Business Cash® Credit Card
Annual Fee$0
Welcome Bonus Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.
Features a $750 cash back signup bonus, and you earn 5% cash back on a select range of business expenses on the first $25,000 spent each year.
  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases
  • Employee cards at no additional cost
  • No Annual Fee
  • 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • 1% cash back on all other card purchases with no limit to the amount you can earn
Ink Business Unlimited® Credit Card
Ink Business Unlimited® Credit Card
Annual Fee$0
Welcome Bonus Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.
The best business card to earn Ultimate Rewards on non-bonus purchases, you receive a $750 cash back bonus after you spend $7,500 on purchases in the first 3 months from account opening. Earn 1.5% back on all business expenses.
  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • 0% introductory APR for 12 months on purchases
  • Employee cards at no additional cost
  • No Annual Fee
  • Earn unlimited 1.5% cash back on every purchase made for your business

We've paired these cards off at the top of the list thanks to the mammoth 75K point offers available on cards that carry no annual fee. The bonus on both cards is promoted as $750 cashback, but if you also hold an Ultimate Rewards card that charges an annual fee, the bonus converts to 75,000 Ultimate Rewards points which you can transfer to any of Chase's transfer partners. You can view the details in our post covering the increased offers.

Southwest Rapid Rewards® Priority Credit Card
Southwest Rapid Rewards® Priority Credit Card
Annual Fee$149
Welcome Bonus Earn up to 80,000 points. Earn 50,000 points after you spend $2,000 on purchases in the first 3 months. Earn an additional 30,000 points after you spend $10,000 on purchases in the first 9 months.
  • Earn up to 80,000 points. Earn 50,000 points after you spend $2,000 on purchases in the first 3 months. Earn an additional 30,000 points after you spend $10,000 on purchases in the first 9 months.
  • Earn 5 points per $1 spent on Southwest® purchases. Earn between 12/1/2020 and 3/31/2021 on up to $2,000 spent per month.
  • 7,500 bonus points after your Cardmember anniversary each year.
  • $75 Southwest® travel credit each year.
  • 4 Upgraded Boardings per year when available.
  • 20% back on inflight drinks and WiFi.
  • Earn 2 points per $1 spent on all other Southwest® purchases.
  • 1 point per $1 spent on all other purchases.
  • 5X points per $1 spent on Southwest® purchases. Earn between 12/1/2020 and 3/31/2021 on up to $2,000 spent per month.
  • 2X points per $1 spent on all other Southwest® purchases and Rapid Rewards® Hotel and Car Rental Partner purchases
  • 1X point per $1 spent on all other purchases

Chase recently launched all-time high offers on all three of the personal Southwest cards. New cardmembers can earn up to 80,000 points after meeting a two-tiered minimum spending requirement. We think the Southwest Priority Card is the pick of these cards thanks to traveler-focused benefits including a $75 annual Southwest credit and 7,500 points received each year you hold the card. These perks can more than account for the annual fee on this card each year.

Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card
Annual Fee$95
Welcome Offer Earn 100,000 Miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3000 on purchases in the first 3 months
Following the revamp of Capital One's rewards program and the addition of airline transfer partners, the Capital One Venture has catapulted into our list of top travel rewards cards. The ability to earn 2X miles on every purchase and 5X points on hotels and car rentals booked through Capital One Travel provides a decent return on spending. Plus the card offers some great perks.
  • Earn 100,000 Miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3000 on purchases in the first 3 months; worth $1000 in travel if redeemed for a fixed-value, or potentially much more when transferred to airline partners
  • 2 Miles on every purchase, plus earn 5 Miles on hotel bookings and car rentals through Capital One Travel
  • Fee credit for Global Entry or TSA Pre✔® (up to $100)
  • No foreign transaction fees
  • $95 annual fee
  • 2 Miles per dollar on every purchase, every day.
  • 5 Miles on hotels and car rentals through Capital One Travel

The limited-time offer on the Capital One Venture Rewards Credit Card provides huge value! The card charges an affordable annual fee, earns 2X points on every purchase, and these are possibly the most straightforward points to redeem.

For those looking for simplicity, just pay for travel with your card and redeem points retroactively to erase the charge from your statement. For more value, transfer points to 15 airline partners. For trips with a group, you can easily share your points with other Capital One cardholders. Read more about transferring Venture miles to partners in our detailed review.

IHG® Rewards Club Premier Credit Card
IHG® Rewards Club Premier Credit Card
Annual Fee$0 introductory annual fee for the first year, then $89
Welcome Bonus Earn 140,000 bonus points after spending $3,000 on purchases within the first three months of account opening
  • Earn 140,000 bonus points after spending $3,000 on purchases within the first three months of account opening
  • Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for any stay of 4 or more nights
  • Earn up to 25 points total per $1 spent when you stay at an IHG hotel
  • Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants. Earn 1 point per $1 spent on all other purchases
  • Platinum Elite status as long as you remain a Premier card member
  • Global Entry or TSA Pre✔® Fee Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
  • IHG Rewards Club Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
  • Earn 25 points total per $1 spent when you stay at an IHG hotel
  • 2X points per $1 spent on purchases at gas stations, grocery stores, and restaurants
  • 1X point per $1 spent on all other purchases

The earning for spending at IHG hotels breaks down as follows:
  • Earn 10X points for being a IHG® Rewards Club Premier Credit Cardmember
  • Earn 5X points from IHG® with Platinum Elite Status, a benefit of having this card
  • Earn 10X points from IHG® for being an IHG® Rewards Club Member (Being a cardholder is not required to earn this bonus for participating in the IHG® loyalty program)

Returning to the highest sign-up bonus we've ever seen on this card, the IHG Rewards Premier Card also packs a ton of long-term value thanks to complimentary Platinum Elite status, a high return on IHG spending, fourth night free on award bookings, and a free night certificate valid for properties up to the value of 40,000 points per night. We cover all the details of the increased IHG Rewards Premier Card offer here.

Chase Freedom Unlimited®
Chase Freedom Unlimited®
Annual Fee$0
Welcome Bonus Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
The everyday workhorse of the Ultimate Rewards family of cards earns 1.5% cash back on every purchase, every day of the week. While the Freedom Unlimited earns cash back on its own, the points earned become even more valuable when you hold an Ultimate Rewards card with the ability to transfer points to partners.
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
  • Earn 5% on travel purchased through Chase
  • Earn 3% on dining at restaurants
  • Earn 3% on drugstore purchases
  • Earn 1.5% on all purchases
  • New Cardmembers earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.

The Freedom Unlimited is sporting the best introductory offer we've seen on this card to date, giving you the chance to earn up to $800 cashback with a card that has no annual fee. If you also hold an Ultimate Rewards card that allows transfers to travel partners, this bonus could be even more valuable! Catch our full review of the Freedom Unlimited for all the details.

Ink Business Preferred® Credit Card
Ink Business Preferred® Credit Card
Annual Fee$95
Welcome Offer New Offer! Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.
The most valuable Ultimate Rewards signup bonus on offer and our top pick for small business rewards cards. Business owners earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening. Plus, earn up to 450,000 points per year on a wide range of 3X bonus categories.
  • New Offer! Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee
  • 3X points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year
  • 1X point per $1 on all other purchases

This card has the biggest Ultimate Rewards sign-up offer available, useful 3X bonus categories for small business owners, and an affordable annual fee. See our full card review.

Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
Annual Fee$95
Welcome Bonus Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.
Our #1 recommended beginners rewards card featuring an 60,000 point signup bonus after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.
  • 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 2x total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. Includes eligible pick-up and delivery services.
  • 5X points on Lyft rides through March 2022
  • 2X points on travel and dining at restaurants worldwide
  • 1X point per dollar spent on all other purchases

While the all-time high sign-up offer of 60,000 bonus points ended on November 8, we still see this card as a top 10 offer! Cardholders earn 2x Ultimate Rewards on travel and dining and receive automatic protection for travel and purchases, the Chase Sapphire Preferred® Card provides outstanding value to cardholders. We break down the benefits to show why this card tops the list as the best beginner's travel card.

American Express® Gold Card
American Express® Gold Card
Apply Now
Rates & Fees
(Terms apply)
American Express® Gold Card
Annual Fee$250
Welcome Bonus Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
  • Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
  • Earn 4X Membership Rewards® Points on Restaurants worldwide, including takeout and delivery.
  • Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • Rates & Fees
  • 4X Membership Rewards® points when you dine at restaurants worldwide.
  • 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X)
  • 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com
  • 1X on other purchases
  • Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.

Amex recently announced an increased 60,000 point welcome offer on the Amex Gold, an all-time high offer for this card. The Amex Gold has been a longtime favorite here at AwardWallet, earning up to 4X points in useful bonus categories like U.S. supermarket spending and dining. Check out our head-to-head comparison with the Sapphire Preferred to see which of these cards deserves a spot in your wallet.

Citi Premier® Card
Citi Premier® Card
Annual Fee$95
Welcome Offer Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening.
The Citi Premier card offers some of the top earning rates of any rewards card with an annual fee under $100. This card is best-in-class for rewards on air travel and hotel spending, and it tops our list of the best cards for gas & fuel purchases with a generous 3X ThankYou® Points.
  • 60,000 point signup bonus worth $750 towards airfare through the ThankYou Travel Center, or potentially much more when transferred to airline partners
  • 3X points per $1 on airfare and hotels and at gas stations, restaurants, and supermarkets
  • Annual Hotel Benefit: Save $100 off a single hotel stay of $500 or more (excluding taxes and fees) when you book through ThankYou.com
  • No foreign transaction fees
  • $95 annual fee
  • 3X points per $1 spent on airfare, hotels, and at gas stations
  • 3X points per $1 spent on dining at restaurants, including cafes, bars and lounges
  • 3X points per $1 spent at supermarkets
  • 1X points per $1 spent on all other purchases

Cardmembers who opened their Citi Premier account before April 10, 2020 will also earn 2X points on entertainment and 3X points on a broader range of travel purchases through April 9, 2021.

Sporting a 60,000 point sign-up bonus and a stellar list of transfer partners, the Citi Premier offers some of the best earning-rates for a card with a sub-$100 annual fee. This card tops our list of the best cards for gas & fuel. Plus, you'll pay no foreign transaction fees.

The Business Platinum Card® from American Express
The Business Platinum Card® from American Express
Apply Now
Rates & Fees
(Terms apply)
The Business Platinum Card® from American Express
Annual Fee$595
Welcome Bonus Earn 75,000 Membership Rewards® points. after you spend $15,000 on qualifying purchases within your first 3 months of Card Membership.
  • Earn 75,000 Membership Rewards® points after you spend $15,000 on qualifying purchases within your first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year when you book on amextravel.com.
  • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
  • PAY OVER TIME OPTION: A flexible payment option to help manage cash flow on purchases of $100 or more.
  • Terms Apply.
  • Rates & Fees
  • 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com
  • Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year
  • 1X point on other purchases
  • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.

The Business Platinum Card recently launched an increased welcome offer of 75,000 points after meeting the minimum spending requirement. While not the best offer we've seen on this card, the Business Platinum Card still ranks as one of the best small business cards available, sporting top-value perks and benefits including the best lounge access of any card we've reviewed.

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
Annual Fee$99, waived for first 12 months
Welcome Offer Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
The AA Business Card is a great card to hold for any business owner that travels at least a few times per year with American Airlines. Get a free checked bag on domestic itineraries, priority boarding and a 25% discount on in-flight purchases. Even better, this card gives you access to Reduced Mileage Awards, which can save you up to 30% on the miles required for domestic awards. With these perks, it's easy to justify the annual fee of $99, waived for first 12 months.
  • Free checked bags for you and up to 4 companions on domestic itineraries
  • Priority boarding to help you win the race for overhead bin space
  • A 25% discount on inflight food, beverage, and Wi-Fi purchases
  • Reduced Mileage Awards can save you 7,500 miles on roundtrip MileSAAver Awards
  • Earn 2X miles for every $1 spent on cable and satellite providers
  • Earn 2X miles for every $1 spent at gas stations
  • Earn 2X miles for every $1 spent on select telecommunications merchants
  • Earn 2X miles for every $1 spent on car rentals
  • Earn 2X miles for every $1 spent on eligible American Airlines purchases
  • Earn 1X mile for every $1 spent on all other purchases

With an offer of 65,000 bonus miles after spending $4,000 in purchases within the first 4 months of account opening, this is one of the best AA co-brand card offers currently available. The AA Business Card provides free checked first bags for the cardholder and up to four companions each flight, preferred boarding when you fly American, and you won't pay an annual fee for the first year.

If you travel more with Oneworld Alliance airlines, the British Airways Visa Signature® Card is a good alternative.

Final Thoughts

Welcome offers on rewards cards are continually changing, and it can be hard keeping tabs on the latest sign-up bonuses. We update our top-10 offers every month. So, if you have a card you think belongs on the list, let us know why in the comments below.

For rates and fees of the cards mentioned in this post, please visit the following links: American Express® Gold Card (Rates & Fees), and The Business Platinum Card® from American Express (Rates & Fees)

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Comments

  • Avatar
    Barbara Bryant says:

    I applied for, and received, the Chase Saphire Preferred through Award Wallet on September 29th. The 80,000 Sign Up Bonus, and your descriptions of the card’s many benefits were key to my enrollment. (I already have the AA, and Capital One Venture initiated by their respective bonuses two-plus years ago.) Need to learn about the Chase Travel Portal, how to locate it and use it subsequent to the $4000. spend.

    I am a novice at points collection and utilization and so appreciate your work and sharing this information.

  • Avatar
    Adam Rodgers says:

    I feel like the 100K bonus on the JetBlue card should have made the list for November. It is a great amount of miles for a good domestic airline. Just curious if there is a reason it didn’t?

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    I have most of these cards. The only ones missing are the Capital One cards (I have made my peace with the fact that they will never approve me.) and the Citi cards. It might be time to dip my toe into the Thank you points pool. Spending just doesn’t seem the same if you aren’t working on a sign up bonus.

  • Avatar
    Jessica Zimmermann says:

    Thank you for showing us all the available options.

  • Avatar

    My 86 year old MIL applied for the CSP yesterday. Her only other CC is a Discover that she’s held for 5 years and used 6 times or so. She wanted to do it for the bonus to give to us, so we can visit next year when there is a better chance of safe travels.
    Needless to say the application was immediately declined. 😂😂😂

  • Avatar

    I´ve always trusted Citi. I think it´s a great bank with a great credit card. But United Club is tempting!

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    Good comparison. I’ve been happy with the Chase Sapphire and kept it over the years.

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    Chase freedom unlimited card grocery bonus is great.

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    Awesome offer on the Freedom Unlimited! That card is a keeper forever with no fee!

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    All cards are excellent and has lots of promotions and good bonuses. I prefer Citi cards.

    I already had the citi card and used many of the promotions, allowances, discounts on purchases, it is one of the ones with the lowest rates, and at some years ago, they accumulated miles progrmas.

  • Avatar

    Most of these are chase credit cards, it is harder to qualify for credit cards now since the pandemic as the bankers have tightened their offers.

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    Great bonus on the Ink Preferred!

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    I need to get one of those Chase Sapphire cards. such good deals right now, thanks for the info

  • Avatar

    Chase usually has good welcome promotions. Sounds like an excellent starter card to me.

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    Lots of good bonuses out there now with spending down- good time to take advantage!

  • Avatar

    Love the Chase cards so much!

  • Avatar

    Thanks. I always enjoy this blog (and some of the comments too). I already have most of these cards but I put a few more on my list now.

  • Avatar

    Do you really need a business to get a business card?

    • Avatar

      There are lots of guides out there to show you how you are eligible and how to apply.

    • Avatar

      No. You could get a business card to separate personal expenses from expenses for such activities as work/charitable or volunteer activities/hobbies, etc.

  • Avatar
    Maicon Fernandes says:

    I will make a credit card change and enjoy the rewards. Thank you for the information.

  • Avatar

    any recent DPs of getting higher bonus (or 1st year fee waived) for Ink Preferred? I heard that applying in-branch helps but the banker told me it’s not the case anymore…

  • Avatar

    Just an FYI on the AAdvantage card from Barclay… If you’re flying on American Airlines, they will offer you a higher number of bonus miles. The same is true on Southwest Airlines with an in flight application. While flying on Frontier Airlines, they offer a very generous number of bonus miles with only one purchase and a smaller fee than the Barclay AA.

  • Avatar
    Hernan Fernandez says:

    Thanks for the info on those credit cards !!!!!!
    Very useful info. Thanks!

  • Avatar

    Appreciate the update. The Aviator card looks like it might be a good deal, at least for the first year.

    • Avatar

      If you can travel. I’m sure there’s a huge drop in credit card applications post-coronavirus – or at least travel credit cards.

  • Avatar

    Super handy info!

  • Avatar

    Love all the helpful info I get from this site!

  • Avatar

    This is a pretty solid list but reading through the comments it looks like it’s been around awhile. Glad to see it gets updated at least.

    • Avatar

      Hi Elena, the post is updated monthly with a roundup of the best offers currently available. Some cards with high-value offers stay on the list for months at a time, others are there only for as long as a limited-time offer lasts.

  • Avatar

    thank you for the info!

  • Avatar

    Amazing blog, this is a very useful list. Thanks a lot

  • Avatar

    I think I need to get the new IHG Rewards Club Premier… Stacks benefits well with my grandfathered IHG card!

  • Avatar

    Thanks for the info. Wondering when a credit card will step up rewards to really draw in new customers? Like a 5% rebate on travel.

    • Avatar

      The Chase Freedom Flex has that, not sure why they didn’t list it as its a brand new card everyone is raving about.

  • Avatar

    This is a supper suffer list, thank you.

  • Avatar
    linda zynger says:

    Going to apply for the IHG card for 140K for $89 and $3000 spend. Biggest promo I have ever seen for IHG points. Thanks for the post

  • Avatar
    Juan Ignacio says:

    My favorite one is AA Aviator, it has a nice bonus when you make a $1000 purchase.

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    hrmm..just might take on the United card!

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    Thanks for this information!

  • Avatar
    Luciana Kevorkian says:

    Thank you for sharing this info! Very useful!

  • Avatar
    Brian Gwinner says:

    I’ve been using the double cash card from Citi. This list makes me look at the IHG card for my travel. Thank you!

  • Avatar
    Rena Blatt says:

    When comparing credit card sign up bonuses of different rewards programs, I think it would be helpful if you included the value of each programs points/Miles.
    For example, the IHG card has 140,000 bonus, but IHG points are worth a lot less than chase or Southwest points

    • Avatar

      Google The Points Guy point valuations. It’s a great starting point. IHG points are around 0.5 cents each and SW points are around 1.5 cents each.

  • Avatar
    Rena Blatt says:

    When comparing credit card sign up bonuses of different rewards programs, I think it would be helpful if you included the value of each programs points/Miles.
    For example, the IHG card has 140,000 bonus, but IHG points are worth a lot less than chase or Southwest points

    • Avatar

      Google The Points Guy point valuations. They may not be exactly the same value for you but it’ll at least give you a starting point to compare apples to apples.

  • Avatar

    Can you have both CSR and CSP?

  • Avatar

    This is a great list, thanks!

  • Avatar

    It is nice to see all annual fees clearly listed on one page.

  • Avatar

    Excellent! Thanks for the information!

  • Avatar

    I love that you include biz and personal cards! I am considering the Hilton Surpass. I was surprised to be reminded that it has a few priority pass vouchers to use. Too bad it’s not at the restaurants since Amex pooped pooped and somehow got kicked off those, but still a great perk. I am hoping that I would get to use the perks on a trip this summer.

  • Avatar

    Thanks for the update. This site does a great job of monitoring mileage deals and passing on the info. Much appreciated!

  • Avatar
    Harvey Kwan says:

    Awesome list!

  • Avatar

    Pretty good offers for this month!

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    Florencia says:

    Thank you very much for the information. I already requested the Chase Sapphire Preferred, it seemed the best option in costs / benefits.

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    Is there a rule against having the same card held by multiple people in the same household? For example, if I applied for the Chase IHG card and my husband also applied for it, and say we’re both approved, are we both eligible for the signup bonus? Or is it limited to one person per household?

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    Since I have a lot of big spend coming up, I will probably apply for the IHG card to take advantage of its large introductory offer. I will also try once again to get the Capital One Venture card…If I am denied this time, I am going to call them to ask why! It is too good a card to give up on.

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      Yes, definitely call them if you get rejected again. In my experience, they will be forthright with you about the reason(s) behind your denial.

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    Rewards points are good, but cash is king. Beware of a company devaluing the points at a moment’s notice. Also, the points are worth less if you redeem them for cash or gift cards. I prefer using a cash back card and getting a direct deposit every month. Plus, it’s easier to spend cash than points.

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      Rewards points are for active and / or loyal members. A large portfolio of credit cards with different rewards is always good.

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    Andre Monteiro says:

    Is there a list of reward credit cards for the UK? It doesn’t seem to have as many options around here.

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      Sadly for you, the US is the primetime of credit card rewards and it’s fairly slim pickings in the rest of the world.

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    Thank you for the summary. Chase Sapphire Preferred Card is an amazing .

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    Very useful information. A great summary. Thanks for the post.

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    Very useful, thank you! Certainly useful information. Always good to get the current offers!

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    Thanks for posting this list. I’ve been looking for some new CC sign up bonuses to take advantage of. The AAdvantage in particular looks good.

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    Wow I read it yesterday! Now I am waiting confirmation from IHG. Thanks for this great info!

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    I am so happy the AAdvantage® Aviator® Red Mastercard offer is extended.

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    Thanks for the reminder on these cards. I wish we had some of them available to us in Canada.

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    Hyatt card is overrated. Better pick IHG with more benefits abd less spend req.

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      The IHG card doesn’t have the benefit I care about most: free breakfast. Hilton has a huge step up on that and Hyatt makes it a lot easier to get to status with free breakfast.

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    always appreciate the tips. I’m about to come off of 5/24 purgatory and I can’t wait to take advantage!

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    Very useful summary. Thanks!

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    Too bad all of them have annual fees

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      Don’t let annual fees scare you. It’s like shopping at Walmart or Sam’s Club. If you do your research, Sam’s Club could be WAY better for you.

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    I am counting down the days until I’m back under 5/24.

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    There is definate value with the HHonours card. 2 nights for $95. Absolute Bargain!

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      2 nights? If you’re talking about the points bonus exclusively, it could be 2 nights a mid-tier property, but 125k only equates to ~1.33 nights at a top tier property (or 1 night at the Waldorf Astoria Maldives). If you’re counting the FWN Cert as part of the 2 nights, then I would generally agree, but it’s important to note that earning that Cert would require an additional $13k in spend beyond the hurdle for the sign-up bonus, which is not as easily achievable. Either way though, still a great value at card, and one of the top 3 on the list, IMO.

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    I have the Capital One Venture One rewards card (not the Venture card, there are 2…) and there is no annual fee. The points you can earn make it worth it, especially since you get bonus points on travel expenses (for example, you can receive 7 points per dollar spent booking a hotel through Hotels.com and paying with the Venture One card). I’d like to see some no-annual-fee cards on these lists like the Venture One card since annual fees are just throwing away money when there are often equivalent fee-free options out there.

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    Great list to bring back. Some of these spend requirements are getting quite steep though.

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    Good list. Unfortunately I’m well above 5/24, but the AMEX Green and other offers were too good to pass up waiting out the clock on Chase.

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    I think the WOH card might be in my future, despite the recent devaluation of their program.

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    On the list, to me the best values (spend vs. bonus) are the Ink Biz Pref, Hilton, or Hyatt cards.
    Honorable mention should also go to the BoA Virgin Atlantic MC that is offering 80k at the moment, but in reality the offer is a guaranteed 65k for $2,000 spend and adding 2 AUs to the new account (the last 15k point require $25k total spend). Anyone interested should more quickly on the VA card, however, as I understand the offer ends tomorrow 12/12/19.

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    Amex gold for dining and Hilton Ascend for Gold status and PP. These are my favorites!

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      The Ascend (now Surpass) is a really good $95 card, possibly the best. It gives really good status and free breakfast.

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    I have been looking at the Citi double cash card. I agree with several others that it might be the easiest since you don’t have to have anything code to use the points. I have been flip flopping on this card. Still haven’t gotten the card since I’ve been needing other points and miles for other trips. It’s still in the back of my mind though. It’s difficult since I do love my Chase cards but that 2% is mighty tempting with Citi.

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    The AAdvantage card featured sounds like the best deal to me.

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    Great choice of point earners here, really comprehensive overview.

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    very informative post. thank you!

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    I probably have too many credit cards. My favorite it the CSR, it has a $450 AF, however I always max out the $300 travel credit so the real cost is $150 per year.

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    I think the highest offer need to be added/considered to know if the offer is a good offer. For example, I think hyatt 50k is not a good offer as there was 60k or 70k offer before.

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      Thanks for the feedback. We do try to reference whether offers are at a relative high on our card review pages, but it makes sense to put that info here too when it applies. You can see that we did reference that higher offers have been seen on the Southwest Biz card. That said, I don’t recall a public offer on the Hyatt card at 70K points. If we try to include targeted offers, I think that creates more confusion than value.

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    nice summary. Thanks!

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    Michael Skelly says:

    Always good to review the current offers! Thanks

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    I wish Chase would offer a legitimate upgrade offer from the Hyatt card to the WOH card. Offering 5,000 points to upgrade when one can cancel and get up to 50,000 by opening a new card is frustrating. Anything I might be missing with this line of thinking? Other than the chance of not being accepted, of course – but 5/24 is not a concern for me at this time.

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    I think the current sign up bonus on the Hyatt card is a little too low.
    Waiting for a higher one…

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      Same here. 50,000 is good, but I’m hoping for a 60k or even higher. We’ll see. It does me no good at the moment so I’m in rush.

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    Marlin Seevers says:

    The Capitol One Venture also has a feature that was new for me:
    Pay using virtual numbers with Eno® from Capital One®.
    This is an extension for Chrome that detects when I’m purchasing something and am at the point of entering credit card information for payment. This Eno feature will provide the seller with a virtual number that accomplishes the payment with my card, but the vendor doesn’t receive the information about my actual card. I guess if that virtual card number fell into the wrong hands and that virtual card information is used with any other vendor it would be flagged and not allowed.
    I like that feature and it is very convenient to use.

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    Good list. Even though the Bonvoy card is a good offer- many of us with boatloads of points have been ‘bonvoyed’- then ‘unbonvoyed’- only to be ‘bonyoved’ again. Seems at the moment they don’t have it together. It’s a good offer, and for a beginner they may not notice all the problems that continue to manifest in the new system- but care should be taken to recommend it as a ‘top 10’ card until Marriott gets their crap together. Just my 2 cents.

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    This offer is wonderful if your AAdvantage mileage is expiring, and want to extend the expiration date!
    I feel so lucky to have subscribed their emails!
    I hope they have the same/ similar offerings in the future again!

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    Steven William Van Meter says:

    i like that Fidelity 2% Back Visa, Citi Double Cash Back (2%) and Chase Freedom Unlimited (3% the first year, then 1.5%) are terrific

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    I think Chase is leading the pack with a great number of products. Good article!

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    katie michel says:

    Make sure you see what the conversion rate is Bonvoy to airline miles . I found the SPG rates far superior

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      Converting one program’s currency to any other program’s currency isn’t ever a good exchange to begin with, of course not counting UR and MR points that are designed for that.

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    Before the end of the first year, it might be worthwhile for some people (like me) to downgrade the World Of Hyatt card to the $75 annual fee Hyatt card, which still gives you a free night certificate each credit card renewal year.

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    ron_vaughn@hotmail.com says:

    May I suggest…

    How about posting this list consistently on the first day of every month, like a regular feature? It would help us poor readers anticipate what is coming. There are other regular features you could on certain days every month, like:

    – Reader susses story
    – Best redemption deals
    – Best shopping deals (to earn points/discounts)
    – Airline service news you can use.

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    Some can check for targeted offers by logging into Chase under the “Selected for You” section. The offers in this section also bypass the 5/24 rule, so this could be a good option for those that are over 5/24!

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    Thanks for breaking it down; I love comparing all the cards great information.

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    Bonvoy…. let’s give everyone 10-50k points to upgrade…. hey since you upgraded no new card bonuses for you….. even business bonuses.

    Makes sense to me Marriott.

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    I hate that I signed up for the CSP a day before the increase in bonus =(

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    Thanks for the info. I’ll keep this in mind

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    I love my chase trifecta, CSR, Freedom and Freedom Unlimited. Chase Ultimate Rewards are hard to beat. I also love my AmEx Hilton Honors Aspire card. Sure, like the CSR, it comes with a hefty $450 AF but I have already used $500 worth of credits and the Diamond level gets us some great perks. I try to make the most out of all of my cards.

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    The increased minimum spend requirements to get the full sign-up bonus is a concerning trend, sadly.

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    David Butler says:

    I am pretty sure I signed up for a Starwood’s account about 10 years ago when I stayed at one for 4 nights in Chicago.
    I do not Have any info on my membership anymore but can Marriott Bonvoy access that with my name and address to consolidate points?

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      If you contact them before you apply, they could probably locate it. But honestly, you’ll have no points so you may as well just let them make a new account for you.

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    I favored Barclays AA cards over Citi for many positive reasons and advantages (pun intended). Sadly I had both and they were closed off with no warning nor explanation a few years back. With perfect scores and credit history I’m not sure what I did. Anyone had this experience and is there a chance to get approved again?

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    Great site! Keep feeding us the info.

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    Cindy Blakeslee says:

    Thanks for this post! Helpful!

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    Thanks for the info. The Chase Ink card is definitely my preferred card at Office supply stores due to the 5% UR points benefit.

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    Lauren Heier says:

    Decisions, decisions!! It’s time for a new card, and I still can’t decide which!! This helps narrow it down tho!

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    Ink cards are great. I have 3 for my business.

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    There are some decent airline offers as well. You could combine two SouthWest card offers (personal and business) for not only miles but also earn a free companion pass good through the end of 2020.

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    Chase Ink for 80K sign up for the win!! Plus 3x bonus. Can’t beat it!!

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    Chase Ink for 80K for the win!! Plus 3x bonus!!

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    Fantastic layout of really easy to follow information and tips for my next credit card. Just received some nice signup bonuses from AA and UA!

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    rodney ross says:

    Have Capital One cc, thanks for info

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    Sharon Thomas says:

    Great to have all the best card info in one location!

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    Marlin Seevers says:

    All these sign-on bonuses are very attractive. At what point does it become detrimental to have a large number of cards, and need to close some of them?

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      Contrary to what many believe, having a lot of available credit and low utilization ratio (positively affected by a large credit limit) show that you can manage debt responsibly and will raise your score. As each account ages, your score will also rise.

      I incorrectly heard growing up that a large line of credit is a bad thing as you could theoretically run out tomorrow and rack up as much debt as your credit line allows. This is simply incorrect logic in terms of the formula for your credit score.

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    Virginia Jeffreys says:

    This is an excellent list of possibilities to choose from. Thanks!

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    Looks like I have five of ten of these cards.

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    Thanks for the information. Yours is one of the couple of travel blogs I read.

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    Steven William Van Meter says:

    Great matrix. I can see which ones are worth comparing

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    Flew American DCA to MCO round trip last week. Very nice flight attendants

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    Thank you Award Wallet for the valuable information!

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    TMI about Chase. Their restrictions are too much to deal with! I don’t even consider their offers anymore.
    Thanks!

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      Restrictions are too much to deal with? Don’t open more than 5 cards in two years. That’s pretty simple. If you’re churning through more cards that, you’re not someone that Chase wants to do business with.

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    Sarah Strang says:

    Any cards which do not follow 24 mon rule and ones you can reapply after a time period and get bonus again?

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    Thanks for the great overview. Very useful for deciding my card strategy.

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    Even with all the problems, I’m still a big fan on Marriott. Thanks for the info on those credit cards.

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    MAURO CANAVESI says:

    A very good summary. Thanks for all the info.

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    Great post. Do you think Marriott will relax the rules in the next year wrt old cards. Have a Chase card and it sucks that I can’t get an Amex card.

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    Thanks for the updates and newest opportunities to get rewards.

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    The Chase Sapphire Preferred Card offers a great sign on bonus for sure but after that, it’s hard to justify the $95 annual fee. I’m I missing something? 2x returns is not great compared to other cards out there. Please let me know what else there is.

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    AwardWallet is amazing to track all of my many miles and points – over 8 million! I don’t often update my credit card collection, though, so I leave many bonuses untouched. Thanks for the info.

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    Patiently waiting 2 more months to be below 5/24 so I can apply for the WOH card. Thanks Awardwallet for keeping me current on all the offers!

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    Roger Chesney says:

    Have to try the Venture card for easy miles.

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    Taylor Gilbert says:

    Thank you for this. I’d appreciate the info on the “business” requirements to open the CIP card. Thanks!

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    Dianna Lett says:

    I know where to check when I am in the market for an airline card because your site provides a great summary and all the research is done for me.

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    Thanks for the summary!

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    Good article, though I do not want more than the two cards I already have.

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    Great run down on the cards. I love my Ink Business Preferred Card!

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    This is very helpful. Keep the recommendations coming.

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    Sorry for my ignorance, but what do people mean by “5/24”?

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      Chase’s unofficial official policy is that to be approved for a card, you can’t have opened more than 5 cards in the last 24 months. So you may see some people say “I’m 3/24 right now” meaning they’ve opened three cards in the last 24 months.

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    Thanks for the updated information!

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    My husband signed up for Chase Sapphire Reserve, and we LOVE it! Although he has to pay $450 annual fee, you can get $300 of travel bonus every year, and it’s worth paying the rest of the annual fee. We both are your website’s fans now! Thank you!

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    Cindy Nguyen says:

    I just applied for the Chase Sapphire Reserve last night, but have also been eyeing the Capital One Venture card that is on this list…. Helpful info. Thanks, AwardWallet!

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    Thanks for the info!

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    Lillian K Dikovitsky says:

    Thanks for the information.

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    interesting top 10 list as always

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    John Barnes says:

    Thanks for the update about the INK card, checking it out! Presently AMEX Delta

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    Just got the Hilton Ascend card. 150k points and Gold status for $95 sounds good to me. Not sure about the Aspire yet; do not typically stay at Hiltons but now will give the chain a try.

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    BLUF: Don’t let your miles and points gather dust! Posting to keep my AA miles alive, which were collected during the days of 2-3 browser applications with Citi. I used 200k to take family to Hawaii after initially earned, which was great. However, the other 200k miles have been in my AA account since then just gathering dust. So remember, the points and especially the miles aren’t worth the fair market value blogs quote until you use them. Otherwise, miles are generally being consistently devalued.az they gather dust.

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    We have sapphire card and love it

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    Daniel Herling says:

    Thanks for always being there and making sure I have a safe place for my Boarding Pass! You make traveling easier for me and I’m sure many more people like me.
    Thanks again Dan

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    Don’t expect anything from Chase sapphire travel protection. I had a flight delay which caused me to miss my connecting flight. They refused to do anything about it and I had to pony up another $250 out of pocket to buy a new connecting flight ticket.

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    Thanks for all the great info. Even with all the digs at Bonvoy, I got the card with 15 nights and 80k points.

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    Nicole Moore says:

    Thank you! New-ish to the game and looking for my next card, so this is super helpful, timely info.

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    Thom Freismuth says:

    Wonderful summary. Thank you

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    Mary williams says:

    I love the award wallet! Great information.

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    Richard Hood says:

    Great Info here!

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    LJ Collazo says:

    I am considering the Chase Freedom Card 3% Cash Back is appealing but the turn off is that it is only for one year (then goes to 1.5%). I know that I could keep using my Citi Double Cash (2% cash back and no annual fees) afterward but it still irritates me a little. Thanks!

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    It’s been quite a while since I’ve seen AMEX Premier Rewards or even AMEX Business Gold cards offers. Do these cards still exist and ever offer large “membership rewards” sign up bonuses?

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    ronald lane says:

    thanks for sharing the offers

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    Marc Reynolds says:

    These updates are great! Appreciate it very much

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    Robert Brady says:

    Where has this sight been? I wish I had discovered it years ago. Thanks for all the GREAT info.

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    Almost overwhelming–

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    Can I apply for all of these immediately? I WANT THEM ALL!!

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    Waiting to drop below 5/24.

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    I will get the Ink Business Preferred as soon as I am under 5/24!

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    Richard Segal says:

    I have looked at many, many cards and frankly I find that the chase sapphire reserve card offers the best value even without the 100,000. One of the best decisions I have made and recommend to others. Please strongly consider it and take a look at the alternatives, but I believe you will find it to be great choice.

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    Larry Parker says:

    Thanks for the info, always clear and understandable.

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    KAREN BOXER says:

    Thank you for the information–I love the format which presents information in a concise easy-to-use way.

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    This is a very useful list of cards. Thank you!

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    F. MELAMED says:

    Keep up the good work.

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    I love my Sapphire Reserve card!

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    Philip Rosenthal says:

    Thanks for the valuable information. A wonderful job of synthesizing the best reward cards.

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    The Arts Traveler says:

    I am really leaning toward getting the Hyatt card. I know the chain has a limited footprint, but they have some of the best hotels in Europe. And the annual free night is a great benefit.

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    5 miles

    ✈️💺

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    MIKE MCDOLE says:

    I own at Marriott. Getting 6 points per $, gets me a ton when I pay my maintenance fees.

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    The IHG and Marriott Bonvoy cards are good deals, with their free night every year, although they do limit the level of points made available so the top chain hotels are not eligible for the free night deal.

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    Very good information about benefits and features of credit cards. Just waiting to get under 5/24

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    Mike Kling says:

    Lots of great Chase cards. Too bad I’m not eligible due to 5/24 rule.

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      Well, the silver lining is Amex’s once a lifetime rule. It’ll be a little easier to stay under 5/24 if you can only get an AmEx card once.

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    Shakeidra Davis says:

    Thanks for making it easy to compare the top cards. Great info

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    Thanks for keeping the information current. Saves me from wasting time looking through outdated offers and terms.

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    Great resource for finding information on what credit cards would best meet my travel needs.

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    Great info! Loving the AwardWallet app!

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    Any thoughts on getting a business card without having a large business. I have one as a sole proprietorship, so I can use my social security number, but the revenue is only abbot $15,000. Do you think I would be eligible for a business card with that low revenue? My personal credit score is 820.

    • Avatar

      Hey Joe, absolutely! We’ve heard from lots of folks in a similar situation that were able to open a business account. If you don’t have a business tax ID (i.e. you’re applying as a sole proprietor) just make sure you list your name as the business name, since it needs to match the tax ID.

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    Richard Segal says:

    This is an extremely useful and timely list. I am so pleased with my decision to sign up for the Chase Sapphire Reserve card back at a time when the bonus was 100,000 points.

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      Ray Marble says:

      Completely agree, that 100k bonus was very nice.

      I currently run the Reserve and Freedom Unlimited. Do you use any other Chase cards along with that?

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      I got in about two days before the deadline, then nearly missed the minimum spend due to a snafu with Marriott. I went in to charge my card and prepay a stay but it turned out all they did was put it on file. I called back on the very last day of the signup period and made them run the charge. I just barely got it in but I did. 🙂

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    Fredrick Mehlhaff says:

    Really appreciate Award Wallet!

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    Nice review, but I favor the Chase Sapphire reserve.

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    FYI, I signed up for Chase Sapphire Preferred when they had 50,000 points offer. I asked them if they can match the current 60,000 points offer and they declined.

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    Thanks for the comparisons…definitely save me time to find the best deal.

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    Joseph Payton says:

    Hilton Honors is the best. I’ve racked up so many points with HH I’m always looking for chances to earn more.

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    Love this site and especially the good news emails telling me when I have earned more miles.

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    Cheryl Smith says:

    This is great information, I have learned a lot from this.

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    a great blog! the chase sapphire is such a deal!

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    Thanks for compiling these offers!

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    Great summary, thanks!

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    Love this listing. will help me determine which card i will sign up for.

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    Great site to learn which cards to go with. I’m in the process of changing and trying to decide which card is best for me & there’s a lot of good information available here. Thanks!

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    Dallas Thompson says:

    Thanks for your website and all the information we can glean from it. Cash back cards are more flexible for anyone and great for those who don’t travel as much as others. Fidelity 2% Back Visa, Citi Double Cash Back (2%) and Chase Freedom Unlimited (3% the first year, then 1.5%) are my favorites that are available. The very best is USAA Limitless Cashback, which offers a flat 2.5% cash back on all purchases with direct deposit to USAA checking. Unfortunately, it is no longer open to new applicants…but who knows if/when it might open up again.

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    Jorge María perez says:

    I will take the chase for the 80000 points – it is a very attractive offer and I love to accumulate points or miles.
    Thank you for your email , very informative !

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    Thanks for all the content.

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    really attracted to Capital One Savor Cash Rewards Credit Card but it’s unlike my lol/24 status will allow me to get approved.

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    I want 5 miles

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    alvin eugene tobis says:

    Thanks for the credit card summary

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    This is a great concise list, thanks for posting. I plan on sharing with others too!

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    Appreciate the advice! So easy to compare all CC ad make an educated choice quickly!

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    Vegas Mike says:

    good consolidated list, thanks

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    Wish I could earn miles faster than I spend them! 😉

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    Christopher Robson says:

    Excellent program

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    This is helpful for travel hackers.

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    fred adams says:

    I appreciat e the tips

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    Gary Philipsen says:

    Great site! One stop place to analyze what the current credit cards perks are doing. Thanks for the email notifications as well!

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    I am curious why the Sapphire Reserve isn’t included? Why does Sapphire win out over SR?
    Thanks.

    • Avatar

      Hey Deb, thanks for the feedback. We love the CSR. Since some people aren’t eligible for Chase cards, we wanted to keep the list as diverse as possible while still covering some of the best offers. The Sapphire Reserve just missed the cut, but we’ve covered the benefits in detail here

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    Too many offers in the pile. Just need to evaluate your own goals and keep focused and not be lured by other offers…it only dilutes your plans!

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    Thank you for sharing this information! It is always helpful to know what bonuses are available for different cards that I might want to sign up for.

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    Do you think the personal Freedom Unlimited is preferable to the business version? Given the signup bonus, I’m torn.

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      It’s hard to say. In terms of total long-term benefit, you really want to get the card for the place where you spend the most on things that don’t get category bonues. For example, if a lot of your personal spending is on airfare, restaurants and groceries, and you have the Amex Gold, you’re getting 3-4X on a lot of personal spending. So maybe the biz card is the place to get 1.5X. For other folks, the opposite might be true. The good news is that you can eventually get both 🙂

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    Thanks for all the great info. Why does the Sapphire win out ahead of the Sapphire Reserve?

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      There’s a breakeven point which will be different for everyone. The CSP will generally be the better card for the casual traveler.

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    I have Marriott and Capital One cards. My brain can’t handle any more.

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    Always good info.

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    Barton C Fiske says:

    Given the recent devaluation of Delta and United FF programs (no more published award charts!!) + AA & UA EQD threshold increases, wondering if airline and hotel loyalty cards are going to still be worth the high interest rates vs. Amex points or 2% back credit cards? Am only keeping AA Citi Mastercard to continue being able to access Admirals Club, but flying less and less so this benefit not really as valuable as it used to be.

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      I hope you’re not paying interest. Rule number one in the rewards game is to pay your card in full every month.

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    The chase family of personal and business cards are the best ,combine all the points into 1 account. They add up quickly!

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    Some great options, thanks

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    JOHN Hansen says:

    Love the Chase cards. Hate the restrictions,

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    award wallet is a great place to keep track of miles/programs-not just a list of miles but updates on expiration,. etc. i have a question: does chase consider business cards?

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    Does anyone know if opening a business card affects your taxes or tax reporting in anyway?

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    Marlin Seevers says:

    Thank you for reviewing the attractive credit cards, with comparisons and recommendations. This helped me reach a decision more quickly, and start receiving the benefits!

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    Milon Horton says:

    5 miles

    ✈️💺

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    Robert G Spuntak says:

    I love the tips. Would like more info on the new Marriott Bonvoy. I am Lifetime Titanium and did not know it until I checked in a month ago at a location. No idea what Titanium gets me. Planning a vacation at Marriott Royal Hawaiian in Honolulu on May 11th and it sounds like I get nothing. Extra charge for club level and extra charge for internet and extra charge for bottled water. Does loyalty have value or is it that the Starwood merger needs work?

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    fred adams says:

    Thanks for the tips

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    Great summary. Good to see this all in one place. Notice CSR isn’t on the list.

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    I FIND AWARD WALLET NOT JUST A CONVENIENT WAY TO ORGANIZE MY MILES, BUT A SOURCE OF GREAT DEALS.

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    This is a great synopsis of the best current offers and will help in my selection.

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    Ink preferred is my favorite! Should open before they lower the signup bonus. Missed it when it used to be 100k bonus…

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    Kathryn Poteat says:

    It’s helpful to see all the best credit card offers.

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    I had some good luck recently with Marriott cat 3 redemption, usually hard to find a good use for the annual free night, but got $400/night value at Aloft Scottsdale.

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    5 miles wooo!

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    Love Award Wallet and appreciate the service. It would be great if Award Wallet could more easily distinguish between point…for example 1 mile with AA requires 3 miles from Marriott!

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      Thanks for the feedback Bill! We know not all points have the same value, so we are working on incorporating expected savings and point conversion rates to give you access to all the detail you need to optimize your points strategy.

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      The Points Guy does this regularly so you could Google that. It’s a great reference point but it’s not to be taken as absolute truth.

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    Honest Reviewer Pal says:

    There are deals abound. However, none of them are in the same category as the chase sapphire reserve card for 100,000 + points which were the icing on the cake. Hotel reward points are not worth the same as airline reward miles. So 100,000 in hotel points is not a big incentive.

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      Definitely agree. We’re always on the lookout for those exceptional offers. We usually dedicate a whole post to breaking it down when there is an offer that is much better than normal.

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    This is a great web site to learn about the different credit cards.

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    ADRIAN SEGAR says:

    This is a good list, though I’m surprised the Citi Double Cash Card isn’t included: 2% cash back on any purchase — 1% on purchase and an additional 1% as you pay for the purchase.

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    Great cards!!

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    Bill Daniels says:

    While the signup bonus is not as great, the Chase Sapphire Reserve (50K bonus), might also be a good option for some folks based on their utilization. Although it has a hefty annual fee ($450), the annual $300 travel credit drops it to the equivalent of $150. It also earns 3x points on dining and travel, instead of 2x for the Sapphire Preferred, and also points are worth 25% more than the Sapphire Preferred when using the Chase travel portal. But the main benefit that I see is for those whose home airport has a restaurant that participates in the Priority Pass Program. It enables you to bring up to two guests and each of you get a $28 dining credit for each visit. I generally use this benefit before every trip and travel a couple times each month with my wife which makes it an tremendous savings given the minimal effective fee difference between the Preferred and the Reserve Cards. It might not be the right card for everyone, but if it fits your circumstances it can have incredible value. I have heard that the credit approval requirements are somewhat tougher, so that might be something that needs to be considered.

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      Thanks for the detailed comment on how you get value from the CSR. It got strong consideration for the list, but we wanted to keep the options diverse for folks who can’t get a Chase card due to 5/24, and the Sapphire Preferred 60k bonus seemed like too good a deal to leave off the list. We appreciate the feedback. We have a detailed review covering the benefits of the Reserve here for those who are curious.

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      Bill, you said it! I just opened a Chase account with the Reserve card this month, and the benefits are fabulous, completely negating the annual fee in the first year by using the travel credit and paying for Global Entry.

      I’m glad the card was considered for inclusion – it’s a great one!

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      It really depends on where you live. Some may EASILY be able to justify the (new) $550 annual fee while others may not. It just goes to show there is no one size fits all for everyone.

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    I applied for an IHG credit card last week, application is pending. I’m wondering how long the process usually takes.

    I love how the AwardWallet app helps me to keep essential information at my fingertips

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      I am also waiting on a reply from IHG card. Glad to know I wasn’t only one not immediately approved.

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        You can try their reconsideration line. In the past, I’ve gotten good results getting approved that way when my application is pending. Usually they just asked me to move around some of my overall credit limit. Good luck!

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    I need to double check my 5/24 and see if I am eligible to grab one of the Chase ones.

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    I love these blog posts. AA is actually where I store all my oneworld points.

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    James Williams says:

    I really like the Amex Hilton Ascend card. Gold status has been great on overseas travel.

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    Just waiting to get under 5/24.

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    Roger Martinez says:

    Very good information about benefits and features of credit cards

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    Jody Larsen says:

    Nice job putting these all together to- make it clearer to understand.
    thanks!

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    Roger Martinez says:

    Provide excellent information in order to make decisions on credit cards

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    JoAnne Jenkins says:

    I appreciate the work you all do, it really helps me keep everything going with a minimum of time!

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    Charles Powne says:

    This is a very useful list. I’m glad I signed up for the Chase Saphire Reserve card back when the bonus was 100,000 bonus points.

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    LAWRENCE JONES says:

    Nice blog! The Chase Sapphire Preferred Card is an amazing product and must have for the serious business traveler.

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      Chase Ink Buisness is a great card with 80k Ultimate Rewards points plus I get a referral bonus of 20k. That is a great bonus plus 2x rewards on many purchase. Fits well for my business.

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    I applied today for the Barclays Business AAdvantage card with the offer of 60,000 miles after $1000 in purchases. I would suggest adding that to the list.

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    Thank you for the information.

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    Richard Brodie says:

    Thanks for the info!