Best Current Card Offers

Katiestraveltricks.com site has partnered with CardRatings for our coverage of credit card products. Katiestraveltricks.com and CardRatings may receive a commission from card issuers. This compensation may impact how and where links appear on this site. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Cards In This Post

How to Pick a Card

This post includes offers that I think are noteworthy right now. I always include best offers available in these links, even if I don’t earn a commission from it. This is especially true for Amex cards which often have referral offers that are much higher than affiliate links.

Want a super easy to follow plan? Follow my Three Year Plan! This is the best way to keep earning points on auto pilot.

If you’re new to points, make sure you also under the 5/24 rule. This should guide the cards you pick in the early stages.

Think you don’t qualify for a business card? You probably do! Read more here.

Best Beginner Card

This are my favorite cards to start with and the best overall card for beginners. The points can be transferred to airlines and hotels. If you already have this card, check out my super easy to follow Three Year Plan!

Check out my post on Picking Your First Card to see more and get some basic strategy tips. And make sure you understand the Chase 5/24 rule!

Chase Sapphire Preferred® Card

card_name
card_name

welcome offer:

bonus_milesbonus_miles_fullLearn How to Apply

Annual Fee:

annual_fees
  • No foreign transaction fees
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
  • Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel(SM)
  • Great transfer options to Hyatt, United, Southwest, and more
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027. Plus $10/month for non-restaurant orders. More here.

My Take

The Chase Sapphire Preferred® Card is THE top beginner card I recommend for miles & points. The travel protections it provides is top tier, too. Get this card early in your travel points journey, it’s a keeper. It’s the first card in my Three Year Plan.

But the good news is that points you’ll earn are easy to redeem and it’s also easy to keep earning them. Our favorite use is to transfer them to Hyatt for hotel stays but you can use them for cash back, for any travel expense, or for airlines. See more inspiration here and here.

It has a fun extra benefit through December 31, 2027: $10 a month for non-restaurant purchases at DoorDash. Read here how to use this benefit.

If you want to learn more about it, check out Season 1 of my podcast — I dive into the benefits and how to use the points.

The standard bonus used to be 60,000 points but 75,000 is the new standard offer (as of June 23, 2025) since the points are now worth less via Chase Travel.

A 100,000 point offer ended in May 2025.

An offer for 60,000 points + $300 credit towards Chase Travel in the first year ran from September – early November 2024.

An offer for 75,000 points ran from early May – mid June 2024.

A publicly available online offer for 80,000 points ran from March 2023-May 2023.

An 80,000 point bonus ended in Fall 2022.
An offer for 100,000 points ended in Fall 2021.

Personal Cards

card_name

non affiliate link

Citi Strata Elite℠ Card

 

ELEVATED OFFER!

Current offer:

bonus_milesbonus_miles_full

This is a non-affiliate link. To see a curated list of affiliate links for cards that can help you earn airline miles to fly on one world airlines, click here.

Annual Fee:

annual_fees
  • Each calendar year, enjoy up to $300 off a hotel stay of 2 nights or more when booked through cititravel.com
  • Every calendar year, earn up to $200 in statement credits on your choice of up to 2 of the following brands: 1stDibs, American Airlines (exclusions apply), Best Buy®, Future Personal Training, and Live Nation (exclusions apply)
  • Enjoy complimentary access to 1,500+ airport lounges worldwide
  • Every calendar year, receive 4 Admirals Club® Citi Strata Elite℠ Passes for access to nearly 50 Admirals Club® lounges
  • Receive a statement credit, up to $120 every four years, as reimbursement for your application fee for Global Entry® or TSA PreCheck®
My Take

This has a very strong offer at its launch. The credits make it a bit harder to get the full value of that $595 annual fee back. But because they are calendar year credits, the very first year of holding the card has a much higher value potential. That’s because you can get benefits like the $200 Splurge Credit or $300 hotel credit right when you get the card and then again after January 1st. The Splurge credit is easy to use at Best Buy (you can buy gift cards for other stores like Amazon).

This card also has some unique features is (1) lounge access for and (2) transfer partners.

For Priority Pass lounge access, you’ll get to bring in 2 guests — not quite enough for most families. But you also get 4 passes for the Admirals Club® lounges (valid if you have a same day boarding pass arriving or departing on a oneworld airline). These passes get in an adult and up to 3 children under 18. For families flying American a few time a year, it’s an interesting perk.

This card also has a few niche but great transfer partners. The biggest is new in 2025 — Citi added American Airlines as a transfer partner. Another favorite transfer partner is Choice Hotels — especially with the 1:2 ratio this card offers. That means your points double when you transfer to Choice. Another strong partner is Preferred Hotels.

Ultimately, you’ll need to use our Benefits Calculator to find out if this makes sense for you.

This card debuted July 28, 2025. At that time, 80,000 points was the new offer. There was a limited 100,000 point offer available in branch.

Chase Sapphire Reserve®

card_name
card_name

ELEVATED OFFER!

Current offer:

bonus_milesbonus_miles_fullLearn How to Apply

Annual Fee:

annual_fees
  • No foreign transaction fees
  • $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Complimentary Priority Pass(TM) Select membership, plus every Chase Sapphire Lounge(R) by The Club with two guests.
  • Complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music – all the music you love, across all your devices. Subscriptions run through 6/22/27
  • Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
  • Get up to $150 in statement credits every six months (for a maximum of $300 annually) for Stubhub or viagogo
  • Up to $120 towards Global Entry, NEXUS, or TSA PreCheck(R) every 4 years
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
  • Great transfer options to Hyatt, United, Southwest, and more

My Take

 

The annual fee is one of the highest of all premium cards. If you can use the credits/coupons — you’ll come out ahead! But if they don’t match your typical spending, this might not be a great card for you. Use our benefits calculator at the bottom of this article to see if it makes sense for you!

This is one of the few cards that still gives you access to Priority Pass experiences (restaurants were discontinued as of July 1, 2024). Most other cards just give access to the lounges but if you frequent an airport with a Priority pass experience, this benefit can be worth a lot to you! It also gives access to a growing network of Sapphire Lounges.

The travel credit is also very easy to use which is a huge plus.

An offer for 100k + $500 for Chase Travel ran when it relaunched from July to late August 2025.

An offer for 75k points ended in June 2024. A publicly available online offer for 80,000 points ran in December 2022.

An offer for 100,000 points ended in 2019.

This card was launched in 2016 with a 100,000 point offer. After that the standard became 60.000.

Marriott Bonvoy Boundless® Credit Card

Current Offer:

bonus_milesbonus_miles_full Learn How to Apply >>

Annual Fee:

$95

(Terms Apply)

  • Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
  • Earn 3X Bonvoy points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
  • 1 Free Night Award annually after your Card account anniversary (up to 35k)
  • After holding this card for 1 year, you can upgrade to the Ritz Carlton card, which is one option for families to get airport lounge access.
  • Automatic Silver Elite status
My Take
If you like Marriott, this is a solid card to get and then hold on to — we find that the annual free night is easy to redeem at hotels that cost $250+ per night. That’s a half price hotel! Some people prefer the welcome bonus that includes certificates for up to 50k per night, but keep in mind these expire within a year of earning so you need to have a redemption in mind. Check out my map of family friendly Marriotts for inspiration.

I like this card even better for the pathway it provides to getting a Ritz-Carlton® Card which has great lounge benefits.

Bonus fluctuates from 75,000 bonus points and up. Sometimes the bonus is 3 or 5 free night certificates for up to 50k per night. Note that personal referral offers often don’t match the best available offer.

An offer ended in November 2025 for 125,000 Bonus Points + 1 Free Night Award.

Chase Freedom Unlimited®

 

card_name
card_name

Welcome Offer:

bonus_miles bonus_miles_fullLearn How to Apply

Annual Fee:

annual_fees

  • $0 annual fee

  • 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more;
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • Earn 1.5% cash back on all spend

My Take

This is a great way to boost your Ultimate Rewards® earnings! This is especially a great option for people who are just getting into points as they build credit or for college students.

If you have a Chase Sapphire Preferred® Card, you can transfer the Freedom points to the Sapphire card to get all the airline and hotel transfer benefits. You can even save up all the cash back you’re earning until you get a Sapphire card!

The standard welcome offer is $200 after you spend $500. An $250 offer ended in May 2025.

Citi®/AAdvantage® Platinum Select® World Elite Mastercard®

non affiliate link

card_name

welcome offer:

ELEVATED OFFER!

Earn 80,000 AAdvantage® bonus miles

Earn 80,000 AAdvantage® bonus miles after $1,000 in purchases within the first 3 months of account opening. Ask a flight attendant for a code or try 539139 which we saw on a recent flight

Annual Fee:

annual_fees

This is a non-affiliate link. To see a curated list of affiliate links for cards that can help you earn airline miles to fly on one world airlines, click here.

  • First checked bag free for you and 4 companions on eligible bags when traveling on domestic itineraries operated by American Airlines.
  • Preferred boarding
  • $180 in Turo credits. Earn up to $30 in statement credits for each eligible completed trip booked with your card from October 19, 2025 to October 18, 2026.
My Take

This is a great card for earning AA miles — which I love in particular for international flights. It’s not a card I keep long term (though you might want to if you find the free bags helpful). I usually get it every 48 months as the terms allow. I generally wait for an offer of 65,000 miles or higher.

You’ll find AA mentioned as a sweet spot on almost all of our regional guides like Japan, SouthEast Asia, and Africa.

Offers vary and sometimes include statement credits. The standard bonus is 60,000 miles.

The highest ever offer was 80,000 miles from July 2025-September 30, 2025.

card_name

affiliate link

American Express® Gold Card

welcome offer:

bonus_milesbonus_miles_fullLearn How to Apply

Annual Fee:

annual_feesSee Rates and Fees

Terms apply to American Express benefits and offers. Enrollment is required for select benefits. Visit americanexpress.com

  • Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
  • Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually.
  • $84 Dunkin’ Credit: With the $84 Dunkin’ Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express(R) Gold Card at U.S. Dunkin’ locations. Enrollment is required to receive this benefit.
  • $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That’s up to $50 in statement credits semi-annually. Enrollment required.
  • $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.

My Take

This is a strong offer for points that transfer to a lot of airline partners. A lot of people really like the 4x earning possibilities on this card. But it’s a card that takes a lot of work to find value in the annual fee, you have to make sure to use all the little credits.

If you’re interested in this card, know that getting this offer will make you ineligible to get the a welcome offer on the American Express® Green Card. So to maximize your points you’d want to get that card first. Also if you have (or have had recently) a American Express Platinum Card®, you’ll be ineligible for this offer.

See benefits calculator here.

Public offer used to generally be 60k. We have seen targeted or referral offers of 90,000 and 100,00 in 2024-2025. Amex recently changed offers on this card to be “up to” certain amounts and you don’t know what your offer will be until you start the application. You will see a personalized offer after you start but before your credit is pulled. In the past, highly targeted offers to certain people will be higher.

See Rates and Fees
card_name

affiliate link

American Express Platinum Card®

bonus_milesbonus_miles_fullLearn How to Apply

Annual Fee:

annual_feesSee Rates and Fees

Terms apply to American Express benefits and offers. Enrollment is required for select benefits. Visit americanexpress.com

  • Lounge Access: Access to Centurion Lounges, 10 complimentary Delta Sky Club(R) visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges. * As of 07/2025.
  • $200 Uber Cash + $120 Uber One Credit: With the Platinum Card(R) you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card(R) to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card(R) to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
  • $300 Digital Entertainment Credit: Get up to $25 in statement credits each month after you pay for eligible purchases with the Platinum Card(R) at participating partners. Enrollment required.
  • $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts(R) or The Hotel Collection* bookings through American Express Travel(R) using the Platinum Card(R). *The Hotel Collection requires a minimum two-night stay.
  • $400 Resy Credit: When you use the Platinum Card(R) to pay at U.S. Resy restaurants and to make other eligible purchases through Resy, you can get up to $100 in statement credits each quarter with the $400 Resy Credit benefit, enrollment required.
  • $209 CLEAR(R) Plus Credit: You can cover the cost of a CLEAR Plus Membership* with up
  • to $209 in statement credits per calendar year after you pay for CLEAR Plus with the Platinum Card(R). *Excluding any applicable taxes and fees. Subject to auto-renewal.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card(R) Account*. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
  • $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card(R) for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
  • $155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card(R). *Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
  • $100 Saks Credit: Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on the Platinum Card(R). That’s up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. No minimum purchase required. Enrollment required.

My Take

This has a high annual fee. BUT may be worth it for some people, especially if you can leverage the airline, digital entertainment, and Uber credits. The airline incidental statement credit is per calendar year. That means most people can actually get the $200 airline credit twice in the first year of holding the card.

This is a strong offer for points that transfer to a lot of airline partners. You apply and find out your welcome offer. After you apply — if approved, you will find out your offer amount and then can decide to accent the card and your offer. Then you’d need to meet the minimum spend requirement to earn your points.

Just note that if you get this offer, you’ll become ineligible to earn a welcome offer on the Gold or Green cards. To maximize your points earned, start with the Green card, then get the Gold, then this one.

See a benefits calculator here.

The offers on this card fluctuate greatly. It has been as low as 80,000 points. Typically personal referral links show higher offers than affiliate links and I always try to keep my pages updates with these.

See Rates and Fees
card_name

Capital One Venture Rewards Credit Card

 

welcome offer:

bonus_milesbonus_miles_fullLearn How to Apply

Annual Fee:

annual_fees
  • Miles can be redeemed to erase any travel purchase. 50,000 miles = $500
  • Can be transferred to a variety of partners like Wyndham, Avianca, Turkish Airways and more
  • Earn 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel
  • Receive up to a $120 credit for Global Entry or TSA PreCheck®
  • Also worth considering the Venture X which has more benefits.

 

My Take

This card often has a very comparable welcome offer to the higher annual fee Capital One Venture X Rewards Credit Card — but with a lower annual fee.

The miles you earn are worth a minimum of 1 cent per mile so 75,000 miles at minimum can be redeemed to offset $750 of any travel expense. You also have the option to transfer miles to airline partners or hotel partners just like you can with the Venture X.

This card also includes a credit for TSA Precheck or Global Entry!

Keep in mind that the terms state that you are only eligible to earn a bonus on this card if you haven’t earned a bonus on this same card –or the Venture X in the past 48 months. If you have received a welcome offer on the Venture X in the past 48 months, you should not apply for this card.

 

An offer expired in July 2021 for a total of 100K: 50K after $3K in the first 3 months + 20K after $20K in the first 6 months.

An offer ended September 2024 for 75k miles + a $250 travel credit to be used in the Capital One travel portal.

An offer ended in May 2024 for 75K + $250 travel credit. At the same time a targeted personal referral offer for 100k ended as well.

 

card_name

Atmos™ Rewards Ascent Visa Signature® Card

ELEVATED OFFER!

welcome offer:

bonus_milesbonus_miles_fullLearn How to Apply

This is a non-affiliate link. To see a curated list of affiliate links for cards that can help you earn airline miles to fly on one world airlines, click here.

Better non-affiliate offer: 80,000 Bonus Points and $99 Companion Fare after you spend $4,000 in 120 days.

Annual Fee:

annual_fees
  • Includes Alaska’s Companion Fare from $122 ($99 fare + taxes and fees from $23)
  • Free checked bag
  • Priority boarding
  • 10% relationship bonus on miles earned via spending if you have a qualifying account (Bank of America banking account) that has a transaction every 90 days
  • 20% back on all Alaska Airlines inflight purchases and $100 off annual Alaska Airlines lounge membership
My Take

This is a new card that replaced the previous Alaska Airlines card.

Alaska has some great sweet spot options and includes a free stopover on award flights, even one way flights! Bank of America can be sensitive to lots of recent card openings. Your best chance of approval if you have opened more than 2 cards in 12 months is to open a Bank of America checking account. Business card may be a better option for you if trying to stay under 5/24.

But beware! Bank of America’s website makes it really hard to set up Autopay!

This card fluctuates from 40,000-70,000 miles. Occasionally it will also include a $100 statement credit.

card_name

affiliate link

card_name

welcome offer:

bonus_milesbonus_miles_fullLearn How to Apply

Annual Fee:

annual_feesSee Rates and Fees

Terms apply to American Express benefits and offers. Enrollment is required for select benefits. Visit americanexpress.com

  • Hilton Honors™ Diamond Status: Earn instant Diamond status, providing access to exclusive benefits like complimentary room upgrades, Executive Lounge access, and free breakfast.
  • Annual Free Night Award: Receive one free night at any Hilton property worldwide each year in your first year of Card Membership and every year upon Card renewal.
  • Up to $400 Hilton Credit: Earn up to $200 in statement credits twice per year for eligible Hilton purchases each year.
  • Up to $200 Airline Credits: Earn up to $50 each quarter in statement credits for eligible airline purchases each year.

Travel with Ease:

  • CLEAR® Plus Credit: Get up to $209 in statement credits annually for a CLEAR® Plus membership, speeding up airport security.
  • $100 Property Credit: Enjoy up to $100 credit on qualifying charges at Waldorf Astoria® and Conrad® hotels with a 2-night minimum stay.
  • National Car Rental® Emerald Club Executive® Status: Receive perks like priority service with complimentary status. Enrollment required, Terms Apply
  • No Foreign Transaction Fees: Avoid extra charges when using your card internationally.

Enrollment is required for select benefits

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

My Take

If you’re a frequent Hilton Honors membe, the Hilton Honors American Express Aspire Card is a good option. 

One great perk is the instant Diamond status which help get you into the executive lounges and get free breakfast. Another great perk is the annual free night award. 

You actually get a free night award right when you open the card and then every year on your account anniversary. These free night awards are extremely valuable because they can be used at any Hilton. 

While the annual fee is on the higher side, the benefits it offers can make it a worthwhile if you use them. Check out our benefits calculator here. 

Welcome offers on this card have ranged from 100,000 to 180,000 Hilton Honors Bonus Points. A 175,000 point offer ended 1/8/25. 175,000 point offer ended 4/28/2025, and again 1/14/26.

See Rates and Fees

United ExplorerSM Card

card_name
card_name

Current OFFER:

bonus_milesbonus_miles_fullLearn How to Apply

ELEVATED OFFER!

alternate offer – non-affiliate:

up to 75,000 Bonus Points

Requires a flight attendant code + adding an authorized user to earn the full bonus. Email nicole@katiestraveltricks.com for a flight attendant code!

Annual Fee:

annual_fees
 
  • 2x miles on United(R) purchases, dining, and hotel stays when booked with the hotel
  • Enjoy priority boarding privileges and visit the United Club(SM) with 2 one-time passes each year for your anniversary
  • Free first checked bag – a savings of up to $160 per roundtrip. Terms Apply.
  • Up to $120 Global Entry, TSA PreCheck(R) or NEXUS fee credit
  • Earn a $100 United travel credit after spending $10,000 on purchases with your United(SM) Explorer Card within a calendar year
  • Over $400 in partner credits each year
  • Member FDIC

My Take

United just quietly upped their pricing for flights booked with points, so that was a disappointment to see (though it is part of points inflation). This is a slightly higher than usual offer. I like that the annual fee is waived in the first year and you still get a Global Entry or TSA PreCheck credit in the first year as well as those two guest passes to United Club!

60k or 70k miles are both standard offers for this card. In March 2025, we saw an elevated offer of 80k miles with a spending requirement of $3,000. An additional 5k miles were offered upon adding an authorized user and using an agent’s promotional code.

non-affiliate link

Chase Freedom Flex® Credit Card

welcome offer:

$200 bonus cash back

EARN A $200 BONUS after spending $500 on purchases in your first 3 months from account opening.opens overlay to offer details

All information about this card has been collected independently by Katie’s Travel Tricks.

Annual Fee:

$0

  • Includes cell phone protection if you pay your bill with the card

  • Rotating quarterly categories earn 5x total points on up to $1,500 when activated.
  • Earn 5% back on travel purchased through Chase Ultimate Rewards
  • Earn 3% back on dining at restaurants (including takeout and eligible delivery services) and drugstore purchases
  • Earn 1% back on all other purchases.

My Take
A great starter card from Chase mainly due to the bonus categories (5% back on rotating categories each quarter, on up to $1500 per quarter, 3% back on dining and drugstores) and decent welcome bonus.

Keep in mind that while this card is billed as earning cash back — it technically earns a limited type of Chase Ultimate Rewards®. But you can combine these points with other Chase Ultimate Rewards cards to be used with transfer partners and booking travel through Chase Ultimate Rewards®. So this card is ideally paired with a Chase Sapphire Preferred® Card, Chase Sapphire Reserve® or Ink Business Preferred® Credit Card.

$200 (20k points) is the standard offer.

Disney® Premier Visa® Card

card_name
card_name

Current OFFER:

bonus_milesbonus_miles_fullLearn How to Apply

alternate offer – non-affiliate:

Earn a $400 statement credit

Earn a $400 statement credit after you spend $1,000 on purchases in the first 3 months from account opening with a new Disney Premier Visa Card.

Annual Fee:

annual_fees
  • 5% in Disney Rewards Dollars on card purchases made directly at DisneyPlus.com, Hulu.com or ESPNPlus.com.
  • 2% in Disney Rewards Dollars on card purchases at gas stations, grocery stores, restaurants and most Disney U.S. locations.
  • Redeem Rewards Dollars for a statement credit toward airline purchases
  • 10% off select merchandise purchases at select locations and 10% off select dining locations most days at the Disneyland® Resort and Walt Disney World® Resort
  • Save 10% on select purchases at DisneyStore.com
My Take

Generally speaking, I think this card doesn’t offer a ton of value long term. You do get some perks with savings at Disneyland and Disney World but you can also get those same perks with opening a Chase checking account and choosing one of the Disney Debit designs.

The standard sign up offer since 2021 has been a $300 statement credit. At the end of 2023, the offer went up to $400 for a short period of time. In May 2025, the offer was elevated again to $400.

Business Cards

Sapphire Reserve for Business(SM)

card_name
card_name

Current Bonus:

ELEVATED OFFER!

bonus_milesbonus_miles_fullLearn How to Apply

Annual Fee:

annual_fees
  • Earn 8x points on Chase Travel(SM) for airline tickets, hotels, including The Edit(SM), car rentals, cruises, activities and tours.
  • Earn 5x total points on Lyft rides through 9/30/27.
  • Earn 4x points on flights & hotels booked direct.
  • Earn 3x points on social media & search engine advertising.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
  • $300 in statement credits each anniversary year on travel purchases.
  • More credits for Google Workspace, Giftcards.com, Zipcruiter, and more.
  • Great transfer options to Hyatt, United, Southwest, and more
  • TSA Precheck, NEXUS, or Global Entry credit up to $120 every 4 years
  • Enjoy complimentary access to the Chase Sapphire Lounge(R) by The Club network and Priority Pass(TM) Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.

My Take
This annual fee is certainly hefty but if your business will use the credits it could provide some solid value. .

See our full analysis of the card here.

These are still our favorite points! And for a lot of people the fact that they have a new opportunity to earn more of them with this card will be a huge win.

This is a huge spend requirement but you do have 6 months to spend it.

This card was launched June 23, 2025 with a 200,000 point offer (with a $30k spend over 6 months)

Ink Business Preferred® Credit Card

 

card_name
card_name

ELEVATED OFFER!

welcome offer:

bonus_milesbonus_miles_fullLearn How to Apply

Annual Fee:

annual_fees
  • Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable, social media and search engine advertising, and phone services
  • Travel Benefits: Points are worth more when you redeem for travel through Chase Travel(SM), No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
  • Cell phone protection against theft or damage, up to $600 per claim, when you pay your cell phone bill with the card

My Take

Learn more about this card here. Learn more about qualifying for business cards here (even without an LLC business)

Chase Ink cards are our favorite option when we have larger expenses coming that help us to meet the higher minimum spend. This card will allow you to transfer its points to all of Chase’s travel partners like Hyatt, United, Southwest, and more.

I also love the 3x earning on travel expenses and no foreign transaction fees — along with a good suite of benefits.

This card used to offer 100k points but required a $15,000 spend. An offer for 120,000 points after spending $8000 in three months ran from July to early September 2024. For most of 2025, the offer has been for 90k points with an $8000 spending requirement.

Ink Business Unlimited® Credit Card

 

card_name
card_name

welcome offer:

bonus_milesbonus_miles_fullLearn How to Apply

Annual Fee:

annual_fees
  • If you have a Chase Sapphire Preferred® Card, you can transfer the Ink points to the Sapphire card to get all the airline and hotel transfer benefits!
  • Earn unlimited 1.5% Cash Back rewards on all business purchases
My Take

Full guide here.

Chase Ink cards are our favorite option when we have larger expenses coming that help us to meet the higher minimum spend. We love the Instacart+ benefit and the $20 per month for Instacart — an amazing perk for a no-annual fee card.

The bonus for this card is listed as cash back. But if you have a card like the Chase Sapphire Preferred® Card or Chase Ink Business Preferred® Credit Card, you can actually combine the “cash back” points with your Sapphire card. See our full guide with details on combining points here.

Want to learn more about Chase Ultimate Rewards®? Check out season 1 of Points for Normal People (our podcast) — we go into detail there. And see more ideas for how to use your points here.

Nota bene: If you have multiple business cards from Chase already, it might be harder to be approved. See data points here.

For many years, the bonus on this card offered $500 after you spent $3000 in 3 months.

The offer changed to $750 after spending $7500 in 3 months during the pandemic.

In fall 2022, the offer went to $900 after spending $6,000 in 3 months. In fall 2023, we saw the $900 offer return from September to mid-January 2024.

In fall 2024, we saw the $900 offer from mid-September to early November .

A $900 offer after spending $6000 in 3 months ran from September 12 to Nov 13, 2025.

Ink Business Cash® Credit Card

 

card_name
card_name

welcome offer:

bonus_milesbonus_miles_fullLearn How to Apply

Annual Fee:

annual_fees
My Take

Full guide here.

Chase Ink cards are our favorite option when we have larger expenses coming that help us to meet the higher minimum spend. We love the Instacart+ benefit and the $20 per month for Instacart — an amazing perk for a no-annual fee card.

The bonus for this card is listed as cash back. But if you have a card like the Chase Sapphire Preferred® Card or Chase Ink Business Preferred® Credit Card, you can actually combine the “cash back” points with your Sapphire card. See our full guide with details on combining points here.

Want to learn more about Chase Ultimate Rewards®? Check out season 1 of Points for Normal People (our podcast) — we go into detail there. And see more ideas for how to use your points here.

Nota bene: If you have multiple business cards from Chase already, it might be harder to be approved. See data points here.

For many years, the bonus on this card offered $500 after you spent $3000 in 3 months. The offer changed to $750 after spending $7500 in 3 months during the pandemic. In fall 2022, the offer went to $900 after spending $6,000 in 3 months. In fall 2023, we saw the $900 offer return from September to mid-January 2024. A $900 offer after spending $6000 in 3 months ran from September 12 to Nov 13, 2025.

Capital One Spark Cash Plus

 

card_name
card_name

welcome offer:

bonus_milesbonus_miles_full Learn How to Apply

Annual Fee:

annual_fees

 

  • Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
  • Redeem cash back at any time with no minimums
  • The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
  • If you have a card that earns Venture miles, this cash back can convert to miles and be used to then transfer to hotel and airline partners
  • Spark Cash Plus has no APR because your balance is due in full every month
My Take

The Capital One Spark Cash Plus is a great option if you have a lot of expenses coming up. The current welcome offer offers a hefty $2,000 cash back bonus.

This business card generally is known to not report to personal credit reports so it should not add to your 5/24 count.

Overall this is a strong card option if you can meet the spend requirements. Because you earn 2% cash back, you’ll have earned $2600 cash back total after spending $30,000. It would be a great card to add to my Three Year Plan if you have high expenses.

Note that this does require to you pay off your bill in full each month.

Previous offer was “Earn a $1,200 cash bonus when you spend $30,000 in the first 3 months” and other previous offers required up to $50,000 in spend to reach a bonus.

Capital One Venture X Business

 

card_name
card_name

welcome offer:

bonus_milesbonus_miles_fullLearn How to Apply

Annual Fee:

annual_fees

 

  • Earn unlimited 2X miles on every purchase, everywhere-with no limits or category restrictions
  • Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel, where you’ll get the best prices on thousands of options
  • With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
  • Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
  • Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
  • Every year, you’ll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings through Capital One Business Travel
  • Receive up to a $120 credit for Global Entry or TSA PreCheck(R).
  • Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and Priority Pass(TM) lounges, after enrollment
  • Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
  • This is a pay-in-full card, so your balance is due in full every month
My Take

The Capital One Venture X Business is very similar to the consumer (or personal) version of this card. The Business version has a few notable differences. Most notably negative — if you add an authorized user, they don’t get any lounge benefits. This is actually changing on February 1, 2026. You will be able to add lounge access for authorized users –for a $125 fee. But guest access for lounges is ending. See more details here.

Overall, this is a strong card option for one person to get lounge benefits without adding to their 5/24 count. The welcome offers typically require a higher spend, so best for businesses with large expected spends coming up.

This card was released in fall 2023 and at that time required a $30,000 spend to get 150,000 miles. Then we saw a lower spend required ($20,000) to earn 150,000 miles with an option to spend more and earn more. In March 2024, it went back to 150,000 miles after spending $30,000.

Atmos (TM) Rewards Visa Signature® Business Card

 

card_name
card_name

welcome offer:

bonus_milesbonus_miles_fullLearn How to Apply

This is a non-affiliate link. To see a curated list of affiliate links for cards that can help you earn airline miles to fly on one world airlines, click here.

ELEVATED OFFER!

alternate offer – non-affiliate:

85,000 Bonus Points

Get 85,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after you make $5,000 or more in purchases within the first 90 days of opening your account.

Annual Fee:

annual_fees
  • Free checked bag for you and six companions
  • 3x miles per $1 spent on Alaska Airlines purchases and 1x miles on all other purchases
  • No foreign transaction fees
  • 10% relationship bonus on miles earned via spending if you have a qualifying account (Bank of America banking account) and have a transaction every 90 days
  • 20% back on all Alaska Airlines inflight purchases
My Take
Alaska has some great sweet spot options and includes a free stopover on award flights, even one way flights! Bank of America can be sensitive to lots of recent card openings. Your best chance of approval if you have opened more than 2 cards in 12 months is to open a Bank of America checking account.

Beware that Bank of America’s website makes it extremely difficult to set up Autopay!

This replaced the Bank of America Alaska Business card in August 2025.

This card was released in August 2025 with an 80k offer.

Previous versions of this card as Alaska Mileage Plan business card had a 75,000 bonus miles as the best ever offer on this card. Other offers fluctuated starting at 40,000 miles.

Annual Fee:

annual_fees
  • Free checked bag for you and six companions
  • 3x miles per $1 spent on Alaska Airlines purchases and 1x miles on all other purchases
  • No foreign transaction fees
  • 10% relationship bonus on miles earned via spending if you have a qualifying account (Bank of America banking account) and have a transaction every 90 days
  • 20% back on all Alaska Airlines inflight purchases
My Take
Alaska has some great sweet spot options and includes a free stopover on award flights, even one way flights! Bank of America can be sensitive to lots of recent card openings. Your best chance of approval if you have opened more than 2 cards in 12 months is to open a Bank of America checking account.

Beware that Bank of America’s website makes it extremely difficult to set up Autopay!

This replaced the Bank of America Alaska Business card in August 2025.

This card was released in August 2025 with an 80k offer.

Previous versions of this card as Alaska Mileage Plan business card had a 75,000 bonus miles as the best ever offer on this card. Other offers fluctuated starting at 40,000 miles.

Southwest® Rapid Rewards® Performance Business Credit Card

 

card_name
card_name

Current Bonus:

bonus_milesbonus_miles_fullLearn How to Apply

Annual Fee:

annual_fees
  • TSA Precheck, Global Entry, or NEXUS statement credit (up to $120 every 4 years)
  • 4 upgraded boardings per year (ends December 31, 2025)
  • Free in-flight wifi (ends December 31, 2025)
  • Earn 2,500 tier qualifying points (TQPs) toward A-List status for every $5,000 spent in purchases annually
  • 4x earning on Southwest flights; 2x on local transit, internet, cable, and phone services (ends December 31, 2025)
  • 9000 points per year on your card member anniversary
  • $500 Fee credit for points transfers (ends December 31, 2025)
  • First checked bag free for cardholder + up to 8 people on their reservation
  • Select a Preferred seat for free at time of booking for cardholder + up to 8 people on their reservation
  • Upgrade to an Extra Legroom seat for free 48 hours before departure (if available)

My Take

I thought the fee was inflated on this card back when it was $199. At $299 it’s a tough calculation to justify keeping long term. But since it typically has a higher welcome offer than the Premier Business card, a lot of people may end up with this one for at least a year to help earn a Companion Pass. It does have perks like the credit for Global Entry or TSA Pre√ or Nexus. Do your own calculation with our benefits calculators on all the Southwest cards.

Now that Southwest has made the switch to assigned seating, the ability to select a preferred seat for free at booking is potentially valuable for some people. And if you spend a lot with Southwest, the 4x earning rate is a good way to rack up a lot of Southwest points.

Overall, this card really helps make it so easy to get a Southwest Companion Pass. Just pay close attention to your timing when applying if you’re trying to maximize the Companion Pass.

Check your eligibility for this card here.

card_name

affiliate link

The Business Platinum Card® from American Express

welcome offer:

bonus_milesbonus_miles_fullLearn How to Apply

This direct (non-affiliate) link shows some people a higher 250-300k offer.

Annual Fee:

annual_feesSee Rates and Fees

Terms apply to American Express benefits and offers. Enrollment is required for select benefits. Visit americanexpress.com

  • The American Express Global Lounge Collection(R) can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 10/2024. Access is limited to eligible Card Members.
  • Unlock over $2,000 in statement credits with business and travel benefits annually* on the Business Platinum Card. Terms apply. Learn more. *After meeting qualifying spend thresholds
  • New! Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
  • New! Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
  • Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
  • Make the Business Platinum Card(R) work even harder for you. Hilton For Business members get up to $200 back per calendar year  when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
  • Use the Business Platinum Card(R) and get up to $209 back per calendar year on your CLEAR(R) Plus Membership (subject to auto-renewal).

My Take
This has a very high spend as well as high annual fee. BUT may be worth it for some people, especially if you can leverage the statement credits. The airline incidental statement credit is per calendar year. That means most people can actually get the airline credit twice in the first year of holding the card, up to $200 each time.

This card refreshed in September 2025 and added a few more credits along with raising the annual fee. Be sure to use our benefits calculator to find out if this card is worth it for you. The calculation is different for everyone!

The offers on this card fluctuate greatly. It has been as low as 80,000 points.
See Rates and Fees
card_name

affiliate link

Marriott Bonvoy Business® American Express® Card

Wlecome offer:

bonus_milesbonus_miles_fullLearn How to Apply

Annual Fee:

annual_feesSee Rates and Fees

Terms apply to American Express benefits and offers. Enrollment is required for select benefits. Visit americanexpress.com

  • 6x points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy(R) program.
  • 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
  • Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Award can be used for one night (redemption level at or under 35,000 points) at hotels participating in Marriott Bonvoy(R). Certain hotels have resort fees.
  • Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card
  • Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.

Enrollment is required for select benefits

 

My Take

Opening this business card versus one of the personal Marriott cards will help you stay under 5/24 longer and that’s the main benefit of this card. I do like the annual free night certificate, too — and that you can top it off with up to 15k points.

Be sure to pay close attention to all the eligibility rules when applying for any Marriott card as they are pretty convoluted!

Check out my map of family friendly Marriotts for inspiration.

The welcome offer fluctuates from 75,000 bonus points to 125,000 points.

  • Sometimes the bonus is 3 free night certificates for up to 50k per night
  • The highest we’ve seen was 5 free nights (up to 50k per night and ended March 2024, was offered again and ended July 2024).

Note that personal referral offers often don’t match the best available offer.

See Rates and Fees
card_name

Affiliate Link

The Hilton Honors American Express Business Card

 

Welcome offer:

bonus_milesbonus_miles_fullLearn How to Apply

Annual Fee:

annual_feesSee Rates and Fees

Terms apply to American Express benefits and offers. Enrollment is required for select benefits. Visit americanexpress.com

  • Earn 12X Hilton Honors™ Bonus Points on eligible purchases made directly with hotels and resorts within the Hilton portfolio.
  • Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card.
  • You may receive an upgrade to Hilton Honors(TM) Diamond Status through the end of the next calendar year if the total eligible purchases that you spend on your Card Account during a calendar year reach $40,000 or more.
  • As a Hilton Honors American Express Business Card Member, you can enroll to receive complimentary National Car Rental® Emerald Club Executive® status through the link on your American Express online account. After you’re enrolled, you can reserve a rental car by calling National Car Rental directly, using your travel service, or by booking online or through the National Car Rental mobile app. Terms apply
  • Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X Points thereafter.
  • Get up to $60 in statement credits each quarter for eligible purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card.

Enrollment is required for select benefits

My Take

This is a great way to earn Hilton points and not affect your 5/24 status! Hilton points are especially valuable when you can stay 5 nights — the 5th night will be free. You can also use them to stay at a lot of Small Luxury Hotels, independent hotels around the world.

That being said, Hilton has had some massive increases in price in the past few years so these points won’t stretch as far as other programs.

Ended 6/5/24: 175K welcome offer. Another recent good welcome offer was 150k welcome offer + a free night award.

Ended 4/29/25: 175k

See Rates and Fees

Community Referral Offers

When my affiliate links don’t match the best available offer — or if I don’t have an affiliate link for an offer, I still have a commitment to sharing only the best offers available. You can find community referral links here. 

These are collected from our community members. If you have a link that matches these offers that you’d like to share, we send out a form in our first newsletter of the month (on the first Saturday of the month) and anyone is invited to share their links at that time.

Sign up for the newsletter here.

greencard

Community Referral

American Express® Green Card

Current offer:

40,000 points

40,000 Membership Rewards® Points after you spend $3,000 on purchases on your new Card in your first 6 months of Card Membership.

All information about this card has been collected independently by Katie’s Travel Tricks.

Annual Fee:

$150

(Terms Apply | Rates and Fees)

  • $209 CLEAR Plus Credit: Receive up to $2099 per calendar year in statement credits when you pay for your CLEAR Plus membership (subject to auto-renewal) with the American Express® Green Card.
  • 3X points at restaurants, including takeout and delivery in the U.S.
  • 3x points on transit, including trains, buses, ferries, subway, and more
  • 3x points on travel, including airfare, hotels, cruises, tours, car rentals, and more.

Enrollment is required for select benefits.

My Take

Great way to start earning Membership Rewards points. That’s because while it has a lower bonus — if you get the Gold or Platinum cards FIRST, those will make you ineligible for the offer on this card.

This card does add to your 5/24 count so not the best for newbies. You’ll also have to use some of the perks to make up the annual fee.

The standard offer on this card is around 40,000-45,000 bonus points. In summer 2023, there was a 60,000 point bonus.

(Terms Apply | Rates and Fees)

Amex Plum

Community Referral

The Plum Card® from American Express

Current offer:

Up to $600

Earn a $200 statement credit after each $10,000 you spend in purchases on the Card, up to $30,000, within the first 3 months of Card Membership.

All information about this card has been collected independently by Katie’s Travel Tricks.

Annual Fee:

$250

(Terms Apply | Rates and Fees)

  • Earn 1.5% cash back (Early Pay Discount) on every purchase when you pay your bill within 10 days of the statement closing date.

  • No Foreign Transaction Fees, making it a decent backup option for international business expenses.

  • Doesn’t count toward your 5/24 status because it is a business card and doesn’t report to your personal credit report.

My Take

I’ll be honest—this isn’t a card I usually talk about. For everyday earning, 1.5% cash back is just okay. If there is an elevated welcome offer of $500 or $600, it might be worth it for you to earn some extra cash back without adding to your 5/24 count, but will likely require a significant spend.

For long stretches, it has had no welcome bonus at all, or a modest $200 statement credit. We occasionally see it pop up to a $500 or $600 statement credit (usually requiring significant spend), but those offers are rare. 

(Terms Apply | Rates and Fees)

Table of Contents