Best Credit Cards

Please note we do not have affiliate links but if you apply through our referral links we will earn bonus points 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: 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. 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 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 referral link which we would be very grateful for.

Chase Freedom
Sign Up Bonus: $200 after spending $500 on purchases in first 3 months.
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 2019.
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 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.
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 referral link which we would be very grateful for.

Chase Freedom Unlimited
Sign Up Bonus: Earn $200 after spending $500 in 3 months.
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 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 referral link which we would be very grateful for.

Business Cards

Ink Business Unlimited credit card
Sign-up bonus: $500 bonus cash back after you spend $3,000 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, 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.
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 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 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.
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 referral link which we would be very grateful for.

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