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.

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.
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.

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: 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, Ink Plus® Business 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.

Citi® AAdvantage® Platinum Select®MasterCard®
Sign-up bonus: Earn 50,000 American Airlines AAdvantage® bonus miles after $3,000 in purchases in the first 3 months
Annual fee: $95, waived the first year
Why you should apply: earn 2x points on American Airlines purchases; 10% rebate for American award redemptions up to 10,000 miles per year; free first checked bag and priority boarding
How you can use the sign-up bonus: With 50,000 AA miles you can book one of the following saver awards: 2 roundtrip tickets within the US, a round trip business class ticket in the US, 1 round trip economy ticket between the US and Europe, 1 one way business class between the US and Europe.
Update: The public offer for this card is now down to 30,000 bonus miles but there are still links to 50,000 on this flyertalk thread.

Starwood Preferred Guest® Credit Card from American Express and Starwood Preferred Guest® Business Card from American Express
Sign-up Bonus: Earn 25,000 bonus Starpoints after making $3,000 in purchases within the first 3 months + extra 10,000 bonus Starpoints after making additional $2,000 in purchases within the first 6 months
Annual fee: $0 introductory annual fee for the first year, then $65
No foreign transaction fees
Other features: two stay credits and five night credits towards elite status with Starwood annually per card (you can get both cards for four stay credits and 10 night credits towards elite status annually); Starwood Gold status after spending $30,000 on the card annually
How you can use the sign-up bonus: You can use your Starpoints to book free hotel nights at Starwood properties or transfer them to one of its many SPG airline partners (for every 20,000 points you transfer to an airline you get a 5,000 bonus).  You can use 25,000 Starpoints® for a one free night at a Category 6 hotel or 6 nights at a Category 2 hotel.
Tip: Sign up bonus is now 35,000 for a limited time until 4/5/17 (from 25,000 usual sign up bonus) so I would not wait to apply. This card only allows one sign up bonus in your lifetime.

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