Best Credit Cards

Please note we do not have affiliate links but if you apply through our referral links we will earn 5,000 or 10,000 points per credit card if you apply using our link and are approved. If we know of a better offer out there we will link to it. 

Following is a list of what we consider to be the best credit cards currently available for accumulating points and miles. We will be updating this page as needed.  We personally have or have had each of these credit cards. In future posts, we will write up a detailed review of each card.

Personal Cards

Chase Sapphire Preferred® Card
Sign-up bonus: 50,000 (normally 40,000) Ultimate Rewards points after spending $4,000 within 3 months, plus an additional 5,000 points when you add an authorized user and they make their first purchase within 3 months
Annual fee: $95, WAIVED THE FIRST YEAR
No foreign transaction fees
Spend bonuses: Earn 1 Ultimate Rewards points per $1 spent; 2x points on travel and dining.
Why you should apply: This is our favorite credit card for travel expenses. Definition of travel is broad and includes parking and commuting costs.  Definition of dining is also broad and includes fast food places. Bonus is usually 40,000 so this is a higher than usual bonus.  
How you can use the sign-up bonus: Ultimate Reward Points can be transferred to United Airlines, Virgin Atlantic, British Airways, Singapore Airlines, Korean, Southwest, Hyatt, Marriott, Priority Club, Ritz Carlton, and Flying Blue at a 1:1 ratio.
Tip: If someone you know has this card already, consider getting a referral from from chasereferafriend.com. If you would like to support us you can use our referral link which we would be very grateful for.

Chase Freedom
Sign Up Bonus: $150 100 after spending $500 on purchases in first 3 months and $25 bonus for adding an authorized user. This is higher than the normal bonus.
No Annual Fee
0% Intro APR for 15 months on purchases and balance transfers
Category bonuses: 5% Cash Back on up to $1,500 spent in rotating bonus categories each quarter; 1% Cash Back on all other purchases. See Chase Freedom Calendar for 2017 and 3rd quarter 2017 categories.
Why you should apply: This card is a great way to earn 5% on rotating categories without paying an annual fee.
How you can use the sign-up bonus:  Chase Freedom® is technically a cash back card only and points earned using the Chase Freedom cannot be directly transferred to airlines and hotel programs.  However, if you have a Chase Sapphire Preferred card, Chase Sapphire Reserve, Ink Plus® Business Card  you can transfer your points from your Chase Freedom account to one of those accounts and then from there to the various Ultimate Rewards partners (United, British Airways, Virgin Atlantic, Korean, Southwest, Singapore, Hyatt, Marriott, Ritz-Carlton, IHG Rewards and Flying Blue).
Tip: If someone you know has this card already, consider getting a referral from from chasereferafriend.com. If you would like to support us you can use our referral link which we would be very grateful for.

Chase Freedom Unlimited
Sign Up Bonus: $150 after spending $500 on purchases in first 3 months and $25 bonus for adding an authorized user.
No Annual Fee
0% Intro APR for 15 months on purchases and balance transfers
Why you should apply: Unlimited 1.5% Cash Back on ALL purchases.
How you can use the sign-up bonus:  Chase Freedom Unlimited is technically a cash back card only and points earned cannot be directly transferred to airlines and hotel programs.  However, if you have a Chase Sapphire Preferred card, Chase Sapphire Reserve, Ink Plus® Business Card you can transfer your points from your Chase Freedom Unlimited account to one of those accounts and then from there to the various Ultimate Rewards partners (United, British Airways, Virgin Atlantic, Korean, Southwest, Singapore, Hyatt, Marriott, Ritz-Carlton, IHG Rewards and Flying Blue).
Tip: If someone you know has this card already, consider getting a referral from from chasereferafriend.com. If you would like to support us you can use our referral link which we would be very grateful for.

Business Cards

Ink Cash Business Card 
Sign-up bonus: 30,000 Ultimate Rewards points (usual sign up bonus is 20,000) after spending $3,000 within three months
NO ANNUAL FEE
Spend bonuses: Earn 5x points on the first $25,000 spent annually at office supply stores, and cellular phone, landline, internet, and cable TV services; 2x points on the first $50,000 spent annually at gas stations and restaurants
Why you should apply:   This card had no annual fee but earns 5% in certain categories.
How you can use the sign-up bonus: Ink Cash is technically a cash back card only and points earned using the Ink Cash cannot be directly transferred to airlines and hotel programs.  However, if you have a Chase Sapphire Preferred card, Ink Plus® Business Card or Chase Ink Business Preferred Card, you can transfer your points from your Chase Ink Cash account to one of those accounts and then from there to the various Ultimate Rewards partners (United Airlines, Virgin Atlantic, British Airways, Singapore Airlines, Korean Air, Southwest, Hyatt, Marriott, Priority Club, Ritz Carlton, and Flying Blue) at a 1:1 ratio.
Tip: If someone you know has this card already, consider getting a referral from from chasereferafriend.com. If you would like to support us you can use our referral link which we would be very grateful for.

Chase Ink Business Preferred card 
Sign-up bonus: 80,000 Ultimate Rewards points after spending $5,000 within three months
Annual Fee: $95
Spend bonuses: Earn 5x points on the first $25,000 spent annually at office supply stores, and cellular phone, landline, internet, and cable TV services; 2x points on the first $50,000 spent annually at gas stations and restaurants
Why you should apply:   This card earns 3% in certain categories (travel, shipping purchases, Internet, cable and phone services, and on advertising purchases made with social media sites and search engines).
How you can use the sign-up bonus: Ultimate Reward Points can be transferred to United Airlines, Virgin Atlantic, British Airways, Singapore Airlines, Korean, Southwest, Hyatt, Marriott, Priority Club, Ritz Carlton, and Flying Blue at a 1:1 ratio.
Tip: If someone you know has this card already, consider getting a referral from from chasereferafriend.com. If you would like to support us you can use our referral link which we would be very grateful for.

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