By: Bryce Conway – Founding Editor of 10xTravel.com
Disclosure: This post may contain references to products from our advertisers. We may receive compensation from products we link to. We appreciate your support.
Every month I share a post with what I believe are the top credit card offers on the market according to the 10xT staff. Today we are going to take a look at the best offers for January 2018.
I rank these offers by looking at their signup bonus, cardholder perks, ongoing value, and any fees they may charge. And while the best offer for you will vary depending on a number of factors, I am going to rank the top offers based on the order in which I think they should be chosen by the average person.
If you’ve ever watched the NFL Draft before, consider this list my version of “Todd’s Big Board.” It’s simply the best overall cards available without regard to a specific points/miles need.
I also divide these top credit offers into two lists, one for those of you who are over 5/24 and one for those of you who are under.
(If you don’t know what the Chase 5/24 rule is you’re going to want to give this a read.)
As always, feel free to email me with questions about your own situation and I would be happy to help you select the best card for you.
Here we go!
If you are under 5/24, here are the best cards available right now:
1. Chase Sapphire Preferred
- 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
5,000 bonus points when you add an authorized user and make a purchase in the first 3 months
- 2 points per $1 spent on dining and travel, 1 point per $1 on all other purchases
- Trip delay and primary rental car insurance
- $95 annual fee, waived the first year
Once again, the Chase Sapphire Preferred comes in at #1 overall because of its incredible signup bonus, reasonable annual fee (that is also waived for the first year), and the amazing value of the points it earns.
Chase Ultimate Rewards points are widely considered to be among the best points in the industry thanks to their ability to be transferred to multiple airline and hotel partners. This gives you a ton of options for redeeming your points no matter where you want to travel.