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: 60,000 Ultimate Rewards points after spending $4,000 within 3 months
• Annual fee: $95
• 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.
• How you can use the sign-up bonus: Ultimate Reward Points can be transferred to various airlines and hotel programs at a 1:1 ratio. Here is the complete list of the Chase Ultimate Rewards transfer partners.
• Tip: If someone you know has this card already, consider getting a referral from them so they can earn points too. If you would like to support us you can use our link which we would be very grateful for.
Chase Freedom Flex
• Sign Up Bonus: $200 bonus after spending $500 on purchases in first 3 months
• Category bonuses: Earn 5% Cash Back on up to $1,500 spent in rotating bonus categories each quarter (See Chase Freedom Calendar for 2024); 5% on travel purchased through Chase Ultimate Rewards; 3% on dining at restaurants (including takeout and eligible delivery services) and drugstore purchases; 1% Cash Back on all other purchases.
• No Annual Fee
• 0% Intro APR for 15 months on 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 Flex is technically a cash back card only and points earned using the Chase Freedom Flex cannot be directly transferred to airlines and hotel programs. However, if you have a Chase Sapphire Preferred Card, Chase Sapphire Reserve card or Chase Ink Business Preferred card you can transfer your points from your Chase Freedom account to one of those accounts and then from there to the various Chase Ultimate Rewards transfer partners.
Chase Freedom Unlimited
• Sign Up Bonus: $200 bonus after spending $500 in 3 months.
• Category bonuses: Earn 5% on travel purchased through Chase Ultimate Rewards; 3% on dining at restaurants (including takeout and eligible delivery services) and drugstore purchases; 1.5% Cash Back on all other purchases.
• No Annual Fee
• 0% Intro APR for 15 months on 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 card or Chase Ink Business Preferred card you can transfer your points from your Chase Freedom Unlimited account to one of those accounts and then from there to the various Chase Ultimate Rewards transfer partners.
• Tip: If someone you know has this card already, consider getting a referral from them so they can earn points too. If you would like to support us you can use our link which we would be very grateful for.
Business Cards
Ink Business Unlimited
• Welcome bonus: $750 bonus cash back after you spend $7,500 on purchases in the first 3 months after account opening.
• NO ANNUAL FEE
• Spend bonuses: Earn Unlimited 1.5% cash back rewards on every purchase.
• Why you should apply: This card earns 1.5% cash back rewards on every purchase.
• How you can use the sign-up bonus: Ink Business 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 card or Chase Ink Business Preferred card you can transfer your points from your Ink Business Unlimited account to one of those accounts and then from there to the various Chase Ultimate Rewards transfer partners.
Chase Ink Business Preferred card
• Welcome bonus: 100,000 Ultimate Rewards points bonus after spending $15,000 within three months
• Annual Fee: $95
• Spend bonuses: Earn 3 points per $1 on the first $150,000 spent in combined purchases in the following categories (travel, shipping purchases, Internet, cable and phone services, and on advertising purchases made with social media sites and search engines) and 1 point per $1 on all other purchases.
• How you can use the sign-up bonus: Ultimate Reward Points can be transferred to various airlines and hotel programs at a 1:1 ratio. Here is the complete list of the Chase Ultimate Rewards transfer partners.
