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.
The “More Affiliate Offers” button showcases card offers that I’m not allowed to link directly on card names due to compliance rules.
Best Beginner Cards
This is 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!
Personal Cards
Flexible Points Offers
There’s a lot of behind the scenes for affiliate offers and one of the complications is that some cards I can earn an affiliate commission on but I can’t link to these offers directly from the card names. I *can* link to card offers from Chase, American Express, and Capital One – but generally can’t for other banks.
Chase Sapphire Reserve®
- No foreign transaction fees
- $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Complimentary Priority Pass™ 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 on purchases through 12/31/27
- 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
New in 2026: You can now open this card and earn a welcome offer, even if you already have a Chase Sapphire Preferred® Card!
Limited Time Perk: Get a free Whoop Life membership with free band (worth $359, ends May 12). More here.
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 like Gameway. 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. See a full list of all our resources on using the card perks here.
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.
Chase Sapphire Preferred® Card
- 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.
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.
annual_feesSee Rates and FeesTerms apply to American Express benefits and offers. Enrollment is required for select benefits. Visit americanexpress.com
- Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App.
- 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: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you’ll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you
select an Amex Card for your transaction.
- $84 Dunkin’ Credit: Earn up to $7 in monthly statement credits after you pay with the Gold
Card at U.S. Dunkin’ locations. Enrollment required.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy
restaurants after you pay for eligible purchases with the Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold
Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. Enrollment required.
- As a Gold Card Member, you can enjoy complimentary Hertz Five Star® Status.
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 little 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. That card never has a thrilling offer, so it’s also ok to skip it and go straight to this. Note 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.
I’ve added the Aeroplan® Credit Card both to the Flexible Points section and the Airline section since this card has a unique option to Pay Yourself Back for any travel (up to $2500 per year)
Earn 85,000 bonus points after you spend $4,000 on purchases in the first 3 months after your account is open
All information about this card has been collected independently by Katie’s Travel Tricks.
- -No foreign transaction fees
- -500 bonus points for every $2,000 you spend in a calendar month – up to 1,500 points per month
- -Earn 3x on for each dollar spent at grocery stores, on dining at restaurants, and Air Canada directly.
- -Redeem points for a statement credit to cover travel purchases made with your Card, such as hotels, car rentals, ride-share, flights and more. There is no limit to the amount of points cardmembers can redeem through December 31, 2025. Each point is worth 1.25 cents which means you can get $1,250 in statement credits for every 100,000 points redeemed.
- -Global Entry or TSA PreCheck® or NEXUS Fee Credit (up to $120 credit every 4 years)
With the Pay Yourself Back option for travel, a 75k bonus on this card can give you $930+ towards any travel expense! This makes it a great option for cruises, Airbnbs, or other travel expenses. You can also use the Aeroplan miles to get some great deals on flights, including on Star Alliance partners. Pay Yourself Back option has been extended through December 31, 2026 for a max of 200,000 points redeemed.
Previous offers on this card included 60,000 points, 70,000 points — or a pair of flight certificates worth up to 50k each.
Ended 1/17/24: Earn 75,000 points after you spend $4,000 (and option to earn another 25k by spending $20k total)
Ended 5/23/24: Earn 60,000 points after spending $3,000.
Ended 7/17/24: Earn 70K bonus points after you spend $3K in the first 3 months. Apply for your 1st Aeroplan card from 7/8-7/17, and earn 40% bonus points on purchases for 40 days on up to $40K spent.
Ended 1/8/26: Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months your account is open. Plus, 25,000 bonus points after you spend $20,000 on purchases in the first 12 months.
Airline Card Offers
There’s a lot of behind the scenes for affiliate offers and one of the complications is that some cards I can earn an affiliate commission on but I can’t link to these offers directly from the card names. I *can* link to card offers from Chase, American Express, and Capital One – but generally can’t for other banks.
Earn 85,000 bonus points after you spend $4,000 on purchases in the first 3 months after your account is open
All information about this card has been collected independently by Katie’s Travel Tricks.
- -No foreign transaction fees
- -500 bonus points for every $2,000 you spend in a calendar month – up to 1,500 points per month
- -Earn 3x on for each dollar spent at grocery stores, on dining at restaurants, and Air Canada directly.
- -Redeem points for a statement credit to cover travel purchases made with your Card, such as hotels, car rentals, ride-share, flights and more. There is no limit to the amount of points cardmembers can redeem through December 31, 2025. Each point is worth 1.25 cents which means you can get $1,250 in statement credits for every 100,000 points redeemed.
- -Global Entry or TSA PreCheck® or NEXUS Fee Credit (up to $120 credit every 4 years)
With the Pay Yourself Back option for travel, a 75k bonus on this card can give you $930+ towards any travel expense! This makes it a great option for cruises, Airbnbs, or other travel expenses. You can also use the Aeroplan miles to get some great deals on flights, including on Star Alliance partners. Pay Yourself Back option has been extended through December 31, 2026 for a max of 200,000 points redeemed.
Previous offers on this card included 60,000 points, 70,000 points — or a pair of flight certificates worth up to 50k each.
Ended 1/17/24: Earn 75,000 points after you spend $4,000 (and option to earn another 25k by spending $20k total)
Ended 5/23/24: Earn 60,000 points after spending $3,000.
Ended 7/17/24: Earn 70K bonus points after you spend $3K in the first 3 months. Apply for your 1st Aeroplan card from 7/8-7/17, and earn 40% bonus points on purchases for 40 days on up to $40K spent.
Ended 1/8/26: Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months your account is open. Plus, 25,000 bonus points after you spend $20,000 on purchases in the first 12 months.
bonus_milesbonus_miles_fullThis is a non-affiliate link. To see a curated list of affiliate links for cards that can help you earn airlines miles, click here.
- 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
This 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!
The previous Alaska Airlines version of this card typically fluctuatee from 40,000-70,000 miles. Occasionally it also included a $100 statement credit. The new Atmos version has offered up to 85,000 miles for limited periods.
bonus_milesbonus_miles_fullLearn How to ApplyThis is a non-affiliate link. To see a curated list of affiliate links for cards that can help you earn airline miles, click here.
- Every year on your account anniversary, receive a Global 25K Companion Award, worth up to 25,000 points off a published award ticket.
- Receive 8 Alaska Lounge passes annually (2 per calendar quarter) credited to the primary cardholder’s Atmos™ Rewards account on January 1, April 1, July 1, and October 1. Each pass admits one adult and up to two accompanied children (under 21) for same-day access to all Alaska Lounge locations. Partner lounges not included.
- Enjoy a complimentary signature cocktail or elevated bar offering every time you visit an Alaska Lounge location through 2026
- Receive up to $120 in statement credits for either Global Entry® or TSA PreCheck®.
- Free checked bag for cardholder plus up to 6 guests traveling on the same reservation.
- 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
This was a brand new card as of August 2025. It’s definitely targeted to frequent Alaska fliers, as you’d expect a premium airline card to be.
The lounge access it includes is a little more restrictive than I’d like with only 2 passes per quarter and no roll over. But that still would be enough for a family of up to 6 to get into the Alaska lounges at once per quarter.
The annual 25,000 point Global Companion certificate is a strong benefit for people who will use it as it can even be topped off.
Ultimately every person would have to crunch the numbers on this card to see if it makes sense to keep it past the first year with that higher annual fee.
New card as of August 2025. Initial offer was for 100,000 points + a 25,000 point Companion Certificate.
United℠ Explorer Card
bonus_milesbonus_miles_fullLearn How to Apply
Alternate Offer (HIGHER OFFER up to 85k): Requires a flight attendant code + adding an authorized user to earn the full bonus. Email nicole@katiestraveltricks.com for a flight attendant code for this offer!
- 9x total miles on eligible United flights and 3x miles on all other eligible United® purchases
- 2x miles on dining and hotel stays when booked with the hotel.
- 1x mile on all other purchases
- 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. Plus, priority boarding on United® flights.
- 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 $500 in partner credits each year
- Member FDIC
I like that the annual fee is often 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!
This card also gives you access to better pricing on United’s flights with a minimum 10% discount. Well worth holding if you plan to fly United on points!
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.
Earn 60,000 bonus HawaiianMiles® after spending $2,000 on purchases within the first 90 days.
All information about this card has been collected independently by Katie’s Travel Tricks.
- Two free checked bags on eligible flights.
- $100 companion discount annually for roundtrip travel between Hawaii and North America on Hawaiian Airlines after each account anniversary.
- Receive a one-time 50%-off companion discount for roundtrip travel between Hawaii and North America on Hawaiian Airlines.
We thought this card was going to be discontinued but now other reports say it may be around for a few years.
Either way, Hawaiian miles officially merged into the the combined loyalty program with Alaska Airlines called Atmos™ Rewards on October 1, 2025. This opened up good possibilities for sweet spots, especially with alliance partners.
Historically, the bonus has hovered around 50,000 to 70,000 HawaiianMiles.
There was an elevated offer of 80,000 bonus miles with a $2,500 spend that ended in December 2025.
Earn 75,000 bonus points after spending $1,000 on purchases and paying the annual fee in full, both within the first 90 days.
Use code 66917.
All information about this card has been collected independently by Katie’s Travel Tricks.
- First checked bag free.
- 5,000 bonus points each year after your JetBlue Plus Card account anniversary
This is a good card to earn some quick JetBlue points. JetBlue flights are priced directly according to cash prices so 80,000 points will get you about $1000-$1200 of Jet Blue flights.
This has been as high as 100,000 miles but required a $6000 spend to get that. 50,000 miles is the more standard offer.
Hotel Card Offers
Marriott Bonvoy Bevy® American Express® Card
annual_feesSee Rates and FeesTerms apply to American Express benefits and offers. Enrollment is required for select benefits. Visit americanexpress.com
- Earn a free night award (up to 50,000 points) after spending $15,000 on the card in a calendar year
- Earn up to 18.5X total points per $1 spent at hotels participating in Marriott Bonvoy®
- Earn 4x points at restaurants worldwide including takeout and delivery in the U.S.
- Automatic Marriott Bonvoy® Gold Elite Status
- Enrollment is required for select benefits
What I don’t like: you don’t even get an annual free night certificate automatically. The annual fee has always seemed a bit high to me for what you are getting in value.
That being said, it can be great during an elevated offer. Note that Marriott has very convoluted application rules so pay close attention to terms before applying. You won’t be eligible for this offer if you’ve held the Marriott Bonvoy Brilliant® American Express® Card.
New as of March 2026: You won’t be eligible to get this card if you’ve had any of the Chase Marriott cards in the past 30 days (with additional restrictions as well)
We’ve seen elevated offers of 125,000 or as high as 155,000 points.
A 155,000 point offer ended May 14, 2025. A 155,000 point offer ended September 24, 2025.
Marriott Bonvoy Brilliant® American Express® Card
bonus_milesbonus_miles_full(Community Referral due to better terms) All information about this card has been collected independently by Katie’s Travel Tricks.
annual_feesSee Rates and FeesTerms apply to American Express benefits and offers. Enrollment is required for select benefits. Visit americanexpress.com
-
- $300 Brilliant Dining Credit: Each calendar year, get up to $300 (up to $25 per month) in statement credits for eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card at restaurants worldwide.
- With Marriott Bonvoy® Platinum Elite Status, you can receive room upgrades, including enhanced views or suites, when available at select properties and booked with a Qualifying Rate.
- Enroll in Priority Pass™ Select, which offers unlimited airport lounge visits to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a comfortable location.
- 1 Free Night Award annually after your Card account anniversary (up to 85k)
- Each calendar year after spending $60,000 on eligible purchases, Card Members are eligible to select an Earned Choice Award benefit. Benefit options include: Five (5) Suite Night Awards, 85K Free Night Award, and mattress and box spring $1,000 discount from Marriott Bonvoy® Boutiques. Certain hotels have resort fees.
- $100 Marriott Bonvoy® Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card.
- Each calendar year with your Marriott Bonvoy Brilliant® American Express® Card you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy® Elite Status. Limitations apply per Marriott Bonvoy® member account. Benefit is not exclusive to Cards offered by American Express. Terms apply
Enrollment is required for select benefits
High annual fee on this card but you have a potential to get some great benefits, too. The automatic Marriott Bonvoy® Platinum Elite Status makes you eligible for upgrades (if available) and the monthly restaurant credits are easy to use if you remember to use them.
The free night certificate offers a lot of potential value each year, too.
But that’s still a high annual fee, so you need to make sure you’re really using the benefits well.
Read the terms carefully to determine if you are eligible for this welcome offer as Marriott cards have complicated eligibility. Note March 19, 2026: The affiliate and public links for this card now have more restrictive eligibility than personal referrals. so we have switched out our link for community referral links.
Note that due to eligibility rules, if you get this card, you won’t be eligible for the lower annual fee Marriott Bonvoy Bevy® American Express® Card card. So you might want to get that one first.
We have seen the welcome offer fluctuate from 75,000 bonus points and up.
- A welcome offer of 150,000 points after spending $6,000 in 3 months ended August 2023.
- A welcome offer of 185,000 points ended in May 2024.
- A welcome offer of 185,000 points ended May 14, 2025.
- A welcome offer of 185,000 points ended Sept 25. 2025.
Business Cards
Jump to business offers in a specific category
Flexible Points Offers
All of these offers will earn you points that you can then transfer to a variety of hotel and award loyalty programs. Some cards in this section list their offers as cash back — but when combined with the right card — the cash back can become transferrable points.
Ink Business Preferred® Credit Card
- 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.
- Get up to $1,000 per claim in cell phone protection against covered theft or damage for cell phones listed on your monthly cell phone bill when you pay it with your eligible credit card.
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.
Capital One Venture Business
- 5 miles per dollar on hotels, vacation rentals and rental cars booked through Capital One’s travel booking site
- 2 miles per $1 on every purchase, everywhere
- Receive up to $220 in credits: Receive an annual $50 travel credit for bookings through Capital One Business Travel, up to an annual $50 statement credit for purchases at qualifying advertising or software merchants, plus up to a $120 credit for Global Entry or TSA PreCheck(R) every four years. Terms and conditions apply
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- No foreign transaction fees
This card rebranded in April 2026 (Formerly Spark Miles) and just got better!
That’s because Capital One has confirmed this card will no longer automatically report to your personal credit report. This means it doesn’t add to your 5/24 count. It also added some new benefits as well. The software statement credit should be pretty easy to use for most people!
With the new more restrictive offer terms for the personal Capital One Venture Rewards Credit Card, this means this is a new great way to earn some Venture miles!
When it was called the Spark Miles card, the welcome offer stayed steady at 50,000 miles. At the rebrand it launched with a tiered offer — earn 75,000 miles after spending $7500 in 3 months with the option to earn another 75,000 if you spend a total of $30,000 over 6 months.
Ink Business Unlimited® Credit Card
- 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
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
- 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!
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
- 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 Business 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
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.
- 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 and Landing locations and participating Priority Pass™ 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
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.
Ended 1/20/26 – Earn 200k after spending $30k in 3 months + 200k more after a total of $150k in 6 months
annual_feesSee Rates and FeesTerms apply to American Express benefits and offers. Enrollment is required for select benefits. Visit americanexpress.com
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
- The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. White Gold design is only available while supplies last. Make your selection when you apply on Americanexpress.com.
- $240 Flexible Business Credit: With the $240 Flexible Business Credit, earn up to $20 in statement credits monthly after you use your Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. Enrollment required.
- Walmart+ Monthly Membership Credit: Receive a statement credit for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with your Business Gold Card. Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
- $150 Squarespace Annual Credit: Enroll and get up to $150 in statement credits annually for U.S. purchases with Squarespace on your Business Gold Card.
If you’re new, I’d prioritize the Ink cards. But if you have been at this a while and can’t open Ink cards right now, or want to take a breather from Chase, this is a solid offer.
I also like that American Express generally doesn’t run a hard pull on your credit report if you are an existing customer so this should not have any affect on your credit score at all.
Trying to decide if this card is worth the annual fee? Check our our benefits calculator for it here.
Offers on this card have fluctuated widely often due to link targeting. Most recent high was 200,000 Membership Rewards after spending $15,000 in 3 months. Usually the offer is at least 100,000.
In April 2026, this card changed the offer to be “as high as” which means different people will be targeted for different offers — sometimes you’ll even see different offers from different browsers or devices.
annual_feesSee Rates and FeesTerms apply to American Express benefits and offers. Enrollment is required for select benefits. Visit americanexpress.com
- 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+ Membership (subject to auto-renewal).
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.
Airline Card Offers
My favorite business offers for earning airline miles right now. These are loosely in the order that I would personally prioritize them but this is not absolute! There are many reasons someone might prefer a United card over an American Airlines card, or go for a Delta card first.
There’s a lot of behind the scenes for affiliate offers and one of the complications is that some cards I can earn an affiliate commission on but I can’t link to these offers directly from the card names. I *can* link to card offers from Chase, American Express, and Capital One – but generally can’t for other banks.
bonus_milesbonus_miles_fullLearn How to ApplyThis is a non-affiliate link. To see a curated list of affiliate links for cards that can help you save at theme parks, click here.
- First checked bag free on domestic American Airlines itineraries for you and up to 4 travel companions on the same reservation
- Preferred boarding
Even at the standard 65,000 offer,I leave it on this page because it is a good one to get to stock up on AA miles.
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.
65,000 miles is the standard offer on this card. The highest we have seen is 75,000 after spending $6,000 in 6 months. A 75,000 mile offer ended in June 2024. A 75,000 mile offer ended in January 2025.
Atmos™ Rewards Visa Signature® Business Card
bonus_milesbonus_miles_fullLearn How to ApplyThis is a non-affiliate link. To see a curated list of affiliate links for cards that can help you save at theme parks, click here.
- 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
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.
United℠ Business Card
- 8x total miles on eligible United flights.
- 2x miles on all other eligible United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
- 1x mile on all other purchases. Plus, employee cards at no additional cost – miles earned from their purchases accrue in your account so you can earn rewards faster.
- Receive a 5,000-mile “better together” bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
- Enjoy a free first checked bag – a savings of up to $160 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
- Receive a $125 United travel credit after making 5 United(R) flight purchases of $100 or more each calendar year with your United(SM) Business Card.
- Member FDIC
United upped their pricing for flights booked with points in 2023, so that was a disappointment to see (though it is part of points inflation).
Having a United card does open more saver availability which is a nice perk in addition to the free bags.
Previous high offer included the 75,000 miles and also an additional 75,000 miles after $20,000 in total spend within the first six months. Other offers we have seen are 50,000 miles after spending $5,000 in 3 months. 100,000 points after spending $5,000 ended in April 2024.
In April 2025, we saw a sign up offer for 125k offer with $5k spending requirement. The offer increased to 135k if you added an authorized user in the first 3 months (5k miles), and used a promotional code from your United agent (additional 5k). This offer ended in June 2025.
Hotel Card Offers
annual_feesSee Rates and FeesTerms 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® 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.
- 2X points on all other eligible purchases
- 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®. 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
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 25k 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.
Cash Back Offers
These are some of my favorite offers to earn extra travel money — or just extra cash in my pocket. These are also great options when you’re trying to stay under 5/24.
There’s a lot of behind the scenes for affiliate offers and one of the complications is that some cards I can earn an affiliate commission on but I can’t link to these offers directly from the card names. I *can* link to card offers from Chase, American Express, and Capital One – but generally can’t for other banks.
Earn $750 after spending $6,000 on the Account Owner’s card within the first 180 days of account opening.
- $100 credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers, and restaurants.
When this offer goes to $750 cash back it’s a very solid offer for a no-annual fee business card. This offer gives you straight cash back. Also a great option if you’re trying to stay under 5/24 (or get back there).
It even has a $100 annual credit for some business subscriptions — just keep in mind that you’d need to make 12 consecutive payments before you’ll get this.
The standard offer on this card is $500 cash back.
Earn 75,0000 points after spending $6,000 on the Account Owner’s card within the first 180 days of account opening.
$0 intro annual fee, then $95
- 4 Priority Pass visits per calendar year (even for restaurants!) and can be shared with a guest who is with you
- 4x points on travel, including airfare, hotels, gas, and EV charging
- $25 statement credit after three consecutive monthly taxi or rideshare transactions
The points on this card are easiest to redeem if you can cash them out to a U.S. Bank checking or savings account. So I’d recommend pairing this with opening a new bank account and earning a bonus for that, too!
Not necessarily a long term keeper but the 4 Priority Pass visits are a nice perk especially that first year when the annual fee is waived. Especially considering they cover restaurants, too.
The standard offer on this card is 50,000 points.
Earn up to $750 in rewards when you spend $7,500 in eligible purchases on the Account Owner’s card within the first 120 days of opening your account.
$0 for the first year and $95 after
- 2X points in the top two categories where you spend the most each month automatically.
- 5X points on prepaid hotels and car rentals booked directly in the Travel Center when you use this card.
If you earn 75,000 points on this card, it’s essentially like earning $750 cash back. But note that it’s a little harder to cash out these points than if you were to just open the US Bank Triple Cash card. The most straightforward way to redeem is to deposit them into a US Bank Checking or Savings account. So you may want to pair this card with opening a US Bank banking account as well (look for one with a banking bonus!)
Still, a good business offer when it is at 75,000 points. This won’t report to personal credit bureaus so it doesn’t add to your 5/24 count.
Business Advantage Unlimited Cash Rewards Mastercard® Credit Card
Get a $500 Online Statement Credit
Get a $500 online statement credit after you make at least $5,000 in purchases in the first 90 days of your account opening.
All information about this card has been collected independently by Katie’s Travel Tricks.
This is a non-affiliate link. To see a curated list of affiliate links for business cards, click here.
- 1.5% unlimited cash back on all purchases.
This is a solid choice if you are between cards or just want simple, flat-rate cash back for your business.
It’s especially worth a look if you already bank with Bank of America; their Preferred Rewards program can boost your earnings significantly, making this one of the better “set it and forget it” cards out there.
Be aware that Bank of America can make it difficult to figure out autopay setup, so if you get any card from them, pay close attention to your due dates and payments.
Welcome offers on this card typically range from $300 to $500.
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.
Disney® Inspire Visa® Card
bonus_miles bonus_miles_fullAll information about this card has been collected independently by Katie’s Travel Tricks.
This is a non-affiliate link. To see a curated list of affiliate links for cards that can help you save at theme parks, click here.
- 10% Disney Reward Dollars on card purchases made directly at DisneyPlus.com, Hulu.com or Plus.ESPN.com
- 3% Disney Reward Dollars on card purchases at gas stations and most other U.S. Disney locations
- 2% Disney Reward Dollars on card purchases at grocery stores and restaurants
- Earn 200 Disney Rewards Dollars after spending $2,000 per anniversary year at Disney Resorts in the U.S. and Disney Cruise Line bookings when using the Disney Inspire Visa Card
- Earn a $100 statement credit after spending $200 per anniversary year on U.S. Disney Theme Park Tickets when you use your Disney Inspire
- Enroll to earn a $10 monthly statement credit when spending $10 or more per month on qualifying subscriptions or add-on purchases made directly at DisneyPlus.com, Hulu.com or Plus.ESPN.com. Yearly activation required.
This card was released in February 2026 with a strong welcome offer and an interesting option for Disney fans. If you don’t have any other card that gives you a monthly credit for Disney+ and you pay for that service, the $10/month credit will be easy to use.
The statement credit for theme park tickets would also be very easy to use for anyone who goes to Disney annually. Note that it is only for Disney tickets at US Theme Park tickets purchased directly with Disney.
One caution is that this card doesn’t include trip protections that other Chase cards like the Chase Sapphire Preferred
Card® do. That would make me hesitant to book an cruise on the card or even resort stay — unless I was already paying for supplemental insurance out-of-pocket.
This is a new card as of February 2026.
Disney® Premier Visa® Card
bonus_milesbonus_miles_fullAll information about this card has been collected independently by Katie’s Travel Tricks.
- 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
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.
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.
- $209 Clear+ Credit: Receive up to $2099 per calendar year in statement credits when you pay for your Clear+ 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.
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)
