Top 10 Rewards Credit Cards for December 2019

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Welcome offers on rewards cards are constantly changing, so each month, the AwardWallet editorial team assembles the top ten offers that are 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 how much spending is required to capture the full bonus.

Here are our top ten cards for December 2019.

Best Rewards Credit Card Offers for December 2019

Capital One® Spark® Miles for Business
Capital One® Spark® Miles for Business
Annual Fee$0 intro for first year; $95 after that
Welcome Offer Earn up to 200,000 miles: Earn a bonus of 50,000 miles when you spend $5,000 in the first 3 months and 150,000 miles when you spend $50,000 in the first 6 months of opening your account. Limited Time Offer
The Capital One® Spark® Miles for Business is one of just a handful of business rewards cards offering at least a 2% return on business expenses (issued as 2x Miles), plus you'll earn 5X miles on hotel and rental car bookings through Capital One Travel℠. Your rewards never expire as long as your account is open and in good standing.
  • Earn up to 200,000 miles: Earn a bonus of 50,000 miles when you spend $5,000 in the first 3 months and 150,000 miles when you spend $50,000 in the first 6 months of opening your account. Limited Time Offer; worth $2,000 in travel if redeemed for a fixed-value, or potentially much more when transferred to airline partners
  • 2 Miles per $1 on every purchase, everywhere
  • 5 Miles on hotel and rental car bookings through Capital One Travel℠
  • Fee credit for Global Entry or TSA Pre✔® (up to $100)
  • No foreign transaction fees
  • $0 intro for first year; $95 after that
  • 2 Miles per $1 on every purchase, everywhere.
  • 5 Miles on hotel and rental car bookings through Capital One Travel℠

The highest welcome offer currently available on any rewards card, this offer from Capital One comes with a high minimum spend requirement but a huge payoff. There is also a similar offer on the Capital One® Spark® Cash for Business if you prefer to earn cash back over travel rewards.

Ink Business Preferred℠ Credit Card
Ink Business Preferred℠ Credit Card
Annual Fee$95
Welcome Offer Earn 80,000 bonus points after you spend $5,000 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 80,000 bonus points after you spend $5,000 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.
  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem 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 signup 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 a 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 & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
  • No delivery fees for a minimum of one year on qualifying food purchases with a DashPass subscription from DoorDash -over a $100 value. Activate with your Chase Sapphire card by December 31, 2021.
  • Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.
  • 2X points on travel and dining at restaurants worldwide
  • 1X point per dollar spent on all other purchases

With a stellar signup offer of 60,000 bonus points, 2x Ultimate Rewards on travel and dining, and 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.

Hilton Honors American Express Surpass® Card
Hilton Honors American Express Surpass® Card
Apply Now
Rates & Fees
(Terms Apply)
Hilton Honors American Express Surpass® Card
Annual Fee$95
Welcome Bonus Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpass® Card after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership.
  • Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpass® Card after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio.
  • Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
  • $95 annual fee.
  • Terms Apply.
  • Rates & Fees
  • 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio
  • 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations
  • 3X Hilton Honors Bonus Points for all other eligible purchases on your Card

This is the best Hilton credit card offer in our books. Cardholders receive Gold Elite status which qualifies you for free breakfast, 12x points on Hilton spend, plus a weekend free night when you spend $15K in a calendar year.

United℠ Explorer Business Card
United℠ Explorer Business Card
Annual Fee$95
Welcome Bonus For small business owners: Earn up to 100,000 bonus miles after qualifying purchases. Earn 50,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, 50,000 bonus miles after you spend $25,000 total on purchases in the first 6 months your account is open.
  • Earn up to 100,000 miles after qualifying purchases.
  • Earn 50,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open
  • Plus, 50,000 bonus miles after you spend $25,000 total on purchases in the first 6 months your account is open
  • Earn 2 miles per $1 at restaurants, gas stations and office supply stores.
  • Earn 2 miles per $1 spent on United purchases. And 1 mile per $1 spent on all other purchases.
  • Free checked bag - save up to $120 per roundtrip (terms apply)
  • Two one-time United Club℠ passes each year - Over $100 in value per year
  • Employee cards at no additional cost - miles earned from their purchases accrue in your account. Plus, you can set individual spending limits for each card.
  • 2X miles per $1 on United purchases
  • 2X miles per $1 at restaurants, gas stations and office supply stores
  • 1X mile per $1 on all other purchases

One of the few 100K mile offers currently available for co-brand airline cards, the United Business Card also provides a free checked bag for you and a companion, two United Club one-time passes, priority boarding, and expanded award space. If you travel more with Oneworld Alliance airlines, the British Airways Visa Signature® Card is good alternative with a similar bonus.

The World Of Hyatt Credit Card
The World Of Hyatt Credit Card
Annual Fee$95
Welcome Bonus Earn up to 50,000 Bonus Points - 25,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening. Plus an additional 25,000 Bonus Points after you spend a total of $6,000 on purchases within the first 6 months of account opening.
  • Earn 25,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening. Plus, 25,000 Bonus Points after you spend $6,000 total within 6 months of account opening.
  • Free nights start at 5,000 points
  • Receive 1 free night at any Category 1-4 Hyatt hotel or resort after your Cardmember anniversary
  • Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 during your cardmember anniversary year
  • Get automatic World of Hyatt Elite status and 5 qualifying night credits every year as long as your account is open
  • Earn 2 qualifying night credits towards tier status everytime you spend $5,000 on your card
  • Earn 9 points total for Hyatt stays - 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member
  • Earn 2 Bonus Points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
  • 9X points total per $1 spent at Hyatt - 4X points per $1 when you use your card at Hyatt hotels & 5X points per $1 you can earn as a World of Hyatt member
  • 2X points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
  • 1X point per $1 everywhere else

Although the bonus of up to 50,000 World of Hyatt points is significantly smaller than the other hotel card on the list, Hyatt points are worth far more, so the two offers are closer than you might think. With a free night each year you renew the card (good for category 1-4 properties), and an additional free night when you spend $15K on your card, this card is among the best for long-term value. See our top 5 reasons to get the World of Hyatt Card.

Capital One® Venture® Rewards Credit Card
Capital One® Venture® Rewards Credit Card
Annual Fee$0 intro for first year; $95 after that
Welcome Offer 50,000 miles after spending $3,000 on purchases within 3 months from account opening
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 up to 10X points on hotels provides a decent return on spending, plus the card offers some great perks.
  • 50,000 Miles after spending $3,000 on purchases within 3 months from account opening; worth $500 in travel if redeemed for a fixed-value, or potentially much more when transferred to airline partners
  • 2 Miles on every purchase, plus earn 10 Miles on hotels at hotels.com/venture, through January 2020
  • Fee credit for Global Entry or TSA Pre✔® (up to $100)
  • No foreign transaction fees
  • $0 intro for first year; $95 after that
  • 2 Miles per dollar on every purchase, every day.
  • 10 Miles per dollar on hotels at hotels.com/venture, through January 2020

The Capital One® Venture® Rewards Credit Card pairs a solid bonus with a low annual fee, 2x points on every purchase, and possibly the easiest 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 14 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.

Southwest Rapid Rewards® Performance Business Credit Card
Southwest Rapid Rewards® Performance Business Credit Card
Annual Fee$199
Welcome Bonus Earn 70,000 points after you spend $5,000 on purchases in the first 3 months your account is open.
The latest card to join the Southwest lineup of rewards cards, the Southwest Performance Business Card offers the highest Rapid Rewards signup bonus, earns more points than it's Southwest counterparts, receives a massive 9,000 point anniversary bonus, plus offers plenty of perks and benefits for Southwest fans. One of the best co-brand business cards on the market.
  • Earn 70,000 points after you spend $5,000 on purchases in the first 3 months your account is open.
  • 9,000 bonus points after your Cardmember anniversary.
  • 3 points per $1 spent on Southwest Airlines® purchases.
  • 2 points per $1 spent on social media and search engine advertising, Internet, cable and phone services and 1 point per $1 spent on all other purchases.
  • 4 Upgraded Boardings per year when available
  • Inflight WiFi Credits
  • Global Entry or TSA Pre✔® Fee Credit
  • Employee cards at no additional cost, earn points on employee spending.
  • 3X points per $1 spent on Southwest® purchases
  • 2X points per $1 spent on social media and search engine advertising, Internet, cable and phone services
  • 1X point per $1 spent on all other purchases

While this isn't the highest offer we've seen on the Southwest Performance Business Card, now is the perfect time to start planning out your Southwest Companion Pass strategy for 2020 and beyond, and this offer is a great way to kickstart your plan.

AAdvantage® Aviator® Red Mastercard®
AAdvantage® Aviator® Red Mastercard®
Annual Fee$99
Welcome Bonus Earn 60,000 AAdvantage bonus miles after making your first purchase in the first 90 days and paying the $99 annual fee.
The AAdvantage® Aviator® Red Mastercard® is one of the few rewards cards offering a sizeable welcome bonus after making your first purchase. For those with limited monthly spending, this card is an outstanding option to increase your American Airlines mileage balance.
  • Earn an introductory companion certificate, good for 1 guest at $99 (plus taxes and fees) after making your first purchase in the first 90 days and paying the $99 annual fee..
  • Get $25 back as statement credits on inflight WiFi on American Airlines operated flights.
  • Receive 25% inflight savings when you use your card for food and beverages on American Airlines operated flights.
  • Earn a companion certificate each anniversary year, good for 1 guest at $99 (plus taxes and fees) after spending $20,000 on purchases and your account remains open for 45 days after your anniversary date.
    • Earn 2X miles on American Airlines purchases
    • Earn 1X miles on all other purchases

    By far the most accessible welcome offer on the list, the Aviator Red requires you to pay the annual fee and make just a single purchase to receive the entire signup bonus. You'll also earn an introductory Companion Certificate good for 1 guest at $99 (plus taxes and fees) after making your first purchase and paying the $99 annual fee in the first 90 days.

    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 travel 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 travel, including gas stations, plus 2X points at restaurants and on entertainment
    • No foreign transaction fees
    • $95 annual fee
    • 3X points per $1 spent on on travel including gas stations, as well as airfare, hotels, car rental agencies, public transportation, tolls, and parking
    • 2X points per $1 spent on dining at restaurants, including many cafes, bars and lounges
    • 2X points per $1 spent on entertainment, including sporting events, movie theaters, concerts and more
    • 1X points per $1 spent on all other purchases

    Sporting a 60,000 point signup 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.

    Final Thoughts

    Welcome offers on rewards cards are continually changing, and it can be hard keeping tabs on the latest signup bonuses. We update our top-ten offers every month, so if you have a card you think belongs in 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: Hilton Honors American Express Surpass® Card (Rates & Fees)

    Top 10 Rewards Credit Cards for December 2019
    4.6 (92.73%) 11 votes
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    Comments

    • Richard Brodie says:

      Thanks for the info!

    • Thank you for the information.

    • 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.

    • LAWRENCE JONES says:

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

      • 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.

    • 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.

    • JoAnne Jenkins says:

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

    • Roger Martinez says:

      Provide excellent information in order to make decisions on credit cards

    • Jody Larsen says:

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

    • Roger Martinez says:

      Very good information about benefits and features of credit cards

    • Just waiting to get under 5/24.

    • James Williams says:

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

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

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

    • 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

    • 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.

      • 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.

      • 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!

    • Great cards!!

    • 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.

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

    • 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.

      • 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.

    • 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!

      • 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.

    • 5 miles wooo!

    • 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.

    • Kathryn Poteat says:

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

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

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

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

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

    • fred adams says:

      Thanks for the tips

    • 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?

    • Milon Horton says:

      5 miles

      ✈️💺

    • 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!

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

    • 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?

    • JOHN Hansen says:

      Love the Chase cards. Hate the restrictions,

    • Some great options, thanks

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

    • 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.

    • Always good info.

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

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

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

      • 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 🙂

    • 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.

    • 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!

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

      • 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

    • 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!

    • fred adams says:

      I appreciat e the tips

    • This is helpful for travel hackers.

    • Christopher Robson says:

      Excellent program

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

    • Vegas Mike says:

      good consolidated list, thanks

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

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

    • alvin eugene tobis says:

      Thanks for the credit card summary

    • I want 5 miles

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

    • Thanks for all the content.

    • 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 !

    • 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.

    • 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!

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

    • Great summary, thanks!

    • Thanks for compiling these offers!

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

    • Cheryl Smith says:

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

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

    • 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.

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

    • 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.

    • Nice review, but I favor the Chase Sapphire reserve.

    • Fredrick Mehlhaff says:

      Really appreciate Award Wallet!

    • 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.

      • 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?

    • 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.

      • 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.

    • Great info! Loving the AwardWallet app!

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

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

    • Shakeidra Davis says:

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

    • Mike Kling says:

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

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

    • 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.

    • MIKE MCDOLE says:

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

    • 5 miles

      ✈️💺

    • 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.

    • Philip Rosenthal says:

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

    • I love my Sapphire Reserve card!

    • F. MELAMED says:

      Keep up the good work.

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

    • KAREN BOXER says:

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

    • Larry Parker says:

      Thanks for the info, always clear and understandable.

    • 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.

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

    • Waiting to drop below 5/24.

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

    • Almost overwhelming–

    • Robert Brady says:

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

    • Marc Reynolds says:

      These updates are great! Appreciate it very much

    • ronald lane says:

      thanks for sharing the offers

    • 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?

    • 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!

    • Richard Hood says:

      Great Info here!

    • Mary williams says:

      I love the award wallet! Great information.

    • Thom Freismuth says:

      Wonderful summary. Thank you

    • Nicole Moore says:

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

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

    • 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.

    • 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

    • We have sapphire card and love it

    • 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.

    • 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.

    • John Barnes says:

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

    • interesting top 10 list as always

    • Lillian K Dikovitsky says:

      Thanks for the information.

    • Thanks for the info!

    • 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!

    • 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!

    • Thanks for the updated information!

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

    • This is very helpful. Keep the recommendations coming.

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

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

    • Thanks for the summary!

    • 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.

    • Taylor Gilbert says:

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

    • Roger Chesney says:

      Have to try the Venture card for easy miles.

    • 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!

    • 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.

    • 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.

    • Thanks for the updates and newest opportunities to get rewards.

    • 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.

    • MAURO CANAVESI says:

      A very good summary. Thanks for all the info.

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

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

    • 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?

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

    • Thank you Award Wallet for the valuable information!

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

    • Steven William Van Meter says:

      Great matrix. I can see which ones are worth comparing

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

    • Looks like I have five of ten of these cards.

    • Virginia Jeffreys says:

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

    • 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?

    • Sharon Thomas says:

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

    • rodney ross says:

      Have Capital One cc, thanks for info

    • 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!

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

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

    • 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.

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

    • 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!

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

    • Cindy Blakeslee says:

      Thanks for this post! Helpful!

    • Great site! Keep feeding us the info.

    • 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?

    • 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?

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

    • 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.

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

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

    • 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.

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

    • 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!

    • 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.

    • 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.

    • katie michel says:

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

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

    • 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

    • 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!

    • 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.

    • 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.

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

    • 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.

    • Michael Skelly says:

      Always good to review the current offers! Thanks

    • nice summary. Thanks!

    • 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.

      • 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.

    • 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.

    • very informative post. thank you!

    • Great choice of point earners here, really comprehensive overview.

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

    • 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.

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

    • 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.

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

    • 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.

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

    • 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.

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

      • 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.

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

    • Too bad all of them have annual fees

    • Very useful summary. Thanks!

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

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

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

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

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

    • 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.

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

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

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

    • 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.

    • 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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