Best Credit Card Offers

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Travel Rewards Credit Cards

Every month I share 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 credit card offers for October 2020.

I rank these offers by looking at their signup bonuses, 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 considered by the average person.

I divide these top credit offers in to 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 5/24 rule is you can learn about the Chase 5/24 rule here.

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Best Credit Cards Under 5/24

1. Chase Sapphire Preferred Card

80,000 Chase Ultimate Rewards Points after you spend $4,000 spend in 3 months


10xT Thoughts

Chase Sapphire Preferred is our top choice because of its amazing signup bonus, reasonable annual fee, and the amazing value of the points it earns. If you're looking for your first travel credit card look no further than Chase Sapphire Preferred.

2. Chase Ink Business Preferred SM Credit Card

100,000 Chase Ultimate Rewards Points after you spend $15,000 in 3 months


10xT Thoughts

Chase Ink Preferred earns the exact same Chase Ultimate Rewards points as Sapphire Preferred and Sapphire Reserve. It comes with an 100,000 point bonus, the highest of all the UR cards. Ink Preferred is a business card, but you don’t need to own a “traditional business” to qualify for the card. Email [email protected] if you have any questions about your particular situation.

3. Marriott Bonvoy Boundless Credit Card

5 Free Nights after $5,000 spend in the first 3 months (capped at 50k points per night)


10xT Thoughts

The Marriott Bonvoy Boundless Credit Card card is one of the better hotel cards on the market thanks to its generous signup bonus and annual free night certificate. Keep in mind that you are not eligible to receive this bonus if you have received a bonus on another Marriott Bonvoy branded credit card in the last 24 months.

4. Chase Sapphire Reserve

50,000 Chase Ultimate Rewards Points after you spend $4,000 spend in 3 months


10xT Thoughts

Chase Sapphire Reserve is widely regarded as the best premium travel credit card on the market. The annual fee is steep, but the benefits of this card are fantastic. Remember that the card comes with a $300 annual travel credit, which makes the fee much easier to justify.

5. Chase Ink Business Cash Credit Card

$500 bonus cash back after you spend $3,000 in 3 months


10xT Thoughts

Ink Business Cash comes with a 50,000 point signup bonus that is often marketed as “$500 cash”. Note that if you have another Chase Ultimate Rewards card you can combine these points to be used for travel.

6. Chase Ink Business Unlimited Credit Card

$500 bonus cash back after you spend $3,000 in 3 months


10xT Thoughts

Like Ink Cash, the Ink Business Unlimited comes with a 50,000 point signup bonus that is marketed as “$500 cash”. These points can be used for higher value travel redemptions if you have another Chase Ultimate Rewards card.

7. Chase Freedom Flex

Earn $200 after you spend $500 in the first 3 months


10xT Thoughts

A fantastic new card from Chase mainly due to the incredible bonus categories (5% back on groceries, bonus categories, and travel booked through Chase, 3% back on dining and drugstores) and decent signup bonus. Keep in mind that you can combine these points with other Chase Ultimate Rewards to be used with transfer partners and booking travel through the Chase portal.

8. United Explorer Card

40,000 bonus miles after $2,000 spend in 3 months


10xT Thoughts

Overall a very typical airline co-brand credit card, the United Explorer comes with one free checked bag when flying United (must purchase the flight with the card), 2x miles on United purchases, 25% in-flight savings, and a nice bonus of United miles.

9. Chase Freedom Unlimited

$200 cash bonus after $500 spend in 3 months. Earn 5% back on travel booked through Chase, 3% on dining and drugstores, 5% back on grocery store purchases (not including Target® or Walmart® purchases) up to $12,000 spend in the first year, 1.5% back on all else


10xT Thoughts

Freedom Unlimited is a fantastic cash back card with excellent spending categories and no annual fee. Ideally you pair this with a Chase Sapphire card so your points can be used for higher value travel redemptions.

10. IHG Rewards Club Premier Credit Card

140,000 points after $3,000 spend in 3 months


10xT Thoughts

One of the better co-brand hotel cards on the market, the IHG Rewards card gives you the flexibility to use points for many nights with the upside of booking a handful of premium nights.

11. United Business Card

75,000 bonus miles after $5,000 spend in the first 3 months


10xT Thoughts

Overall a good option for business owners who are loyal to United Airlines thanks to a reasonable annual fee and great perks. Note that you are not eligible for this card if you have received a bonus on the United Business Explorer Card in the past 24 months.

12. Southwest Rapid Rewards Performance Business Card

70,000 points after $5000 spend in 3 months, plus earn 30,000 points after $25,000 spend in 6 months of account opening


10xT Thoughts

A relatively new card on the market with a huge bonus! The Southwest Rapid Rewards Performance Business card is a great grab for anyone who can qualify. Note that this card does not currently exclude Southwest Rapid Rewards Priority Business Card holders from getting it.

13. The World of Hyatt Credit Card

25,000 points after $3k spend in 3 months, another 25k points after $6k total spend in 6 months


10xT Thoughts

This 50,000 point bonus can score you nearly two free nights at the some of the best Hyatt properties in the world, and even more free nights at lower end properties. This card also earns 4 points per $1 spent at Hyatt (plus an additional 5 points per $1 spent for World of Hyatt Members), 2 points per $1 on dining and airfare purchased directly with airlines, 2 points per $1 spent on gym and health club memberships, and 1 point per $1 on everything else.

14. British Airways Visa Signature Card

50,000 miles after $3,000 spend in 3 months, an additional 50,000 miles after $20,000 spend in the first year


10xT Thoughts

The play with British Airways miles is to use them for short distance flights on American Airlines and other OneWorld carriers. British Airways uses a distance-based award chart, meaning you can find some flights for as little as 7,500 miles each way.

15. Southwest Rapid Rewards Premier Business Credit Card

60,000 points after $3k spend in 3 months


10xT Thoughts

An excellent choice for business owners who frequently travel on Southwest. This card is often paired with one of the personal Southwest cards to earn the coveted Southwest Companion Pass.

16. Southwest Rapid Rewards® Plus Credit Card

40,000 bonus points after $1,000 spend in the first 3 months


10xT Thoughts

The Southwest Premier and Plus Cards are the other two of three personal Southwest credit cards offered by Chase. Note that you can only get one of the three at a time, and are only eligible for the bonus if you have not had another Southwest personal card bonus in the last 24 months.

17. Southwest Rapid Rewards® Premier Credit Card

40,000 bonus points after $1,000 spend in the first 3 months


10xT Thoughts

The Southwest Premier and Plus Cards are the other two of three personal Southwest credit cards offered by Chase. Note that you can only get one of the three at a time, and are only eligible for the bonus if you have not had another Southwest personal card bonus in the last 24 months.

18. Southwest Rapid Rewards® Priority Credit Card

40,000 bonus points after $1,000 spend in the first 3 months


10xT Thoughts

The Southwest Priority Card is one of three personal Southwest credit cards offered by Chase. Note that you can only get one of the three at a time, and are only eligible for the bonus if you have not had another Southwest personal card bonus in the last 24 months.

19. IHG Rewards Club Traveler Credit Card

100,000 bonus points after $2,000 spend in the first 3 months


10xT Thoughts

A pretty straightforward hotel co-brand card, the IHG Traveler Card offers few perks but also does not have an annual fee. An OK choice for anyone who spends a significant amount of money at IHG properties.

Best Credit Cards Over 5/24

1. Citi Premier Card

60,000 points after $4k spend in 3 months


10xT Thoughts

Citi Premier (previously called “ThankYou Premier”) works much like the Chase Sapphire Preferred. You can either redeem your points to book travel through the Citi ThankYou Portal or transfer them to a handful of airline and hotel partners. The 60,000 point bonus on this card is worth $750 of airfare when redeemed through Citi.

2. Capital One® Venture® Rewards Credit Card

50,000 bonus miles after spending $3,000 in the first 3 months, another 50,000 bonus miles (100,000 total) after spending $20,000 in the first 12 months


10xT Thoughts

The Capital One Venture Rewards Credit Card is the ultimate in flexibility. Points can transfer to a handful of travel partners or be used to erase any travel purchase at a value of 1 cent each. Meaning the 50,000 bonus miles are worth $500+ in free travel. Airline tickets, hotels, rental cars, Uber, taxis, you name it. Simply pay with your Venture card and use your points to erase the charge later.

3. The Business Platinum Card® from American Express

Earn 75,000 points after you spend $15,000 in the first 3 months. Terms apply.


10xT Thoughts

The Business Platinum Card by American Express has a high annual fee but all the bells and whistles needed to justify it. Amazing limited time offer, lounge access, $200 annual airline incidental credit, and more. Once again, you do not need to own a “traditional business” to qualify for one.

4. AAdvantage Aviator Business MasterCard

65,000 AAdvantage miles after $1,000 spend, another 10,000 miles after first purchase on an employee card


10xT Thoughts

A great card for loyal American Airlines customers who can qualify for business cards. Low minimum spend required to earn the bonus.

5. AAdvantage Aviator Red World Elite MasterCard

60,000 AAdvantage miles after first purchase


10xT Thoughts

Swipe it once, pay the annual fee, and earn 60,000 bonus points. It doesn’t get much easier than this.

6. Citi / AAdvantage Platinum Select World Elite Mastercard

50,000 miles after $2,500 spend in 3 months


10xT Thoughts

Perhaps the most popular American Airlines branded card, the Citi AAdvantage Platinum Select MasterCard comes with priority boarding, free checked bag, savings on in-flight purchases, and a nice bonus for new card holders.

7. CitiBusiness / AAdvantage Platinum Select Elite MasterCard

65,000 miles after $4,000 spend in 4 months


10xT Thoughts

A very typical co-brand business credit card, the CitiBusiness / AAdvantage Platinum Select Elite MasterCard comes with the usual perks of free checked bags, preferred boarding, etc. A good grab for loyal AA travelers.

8. The Platinum Card from American Express

Earn 60,000 points after you spend $5,000 in the first 3 months. Terms apply.


10xT Thoughts

The Platinum Card by American Express has been a staple in the points/miles world for a very long time. It comes with a $200 annual airline incidental credit, monthly Uber credits, lounge access, and a handful of other premium perks. Keep an eye out to see if you have been targeted for a 100,000 bonus point offer.

9. Delta SkyMiles Gold American Express Card

50,000 SkyMiles after $2,000 spend in the first 3 months


10xT Thoughts

This is perhaps the most popular card among loyal Delta customers thanks to the free checked bag benefit and reasonable annual fee. Overall a very typical airline co-brand credit card.

10. Delta SkyMiles Gold Business American Express Card

60,000 SkyMiles after $3,000 spend in the first 3 months


10xT Thoughts

Perhaps the best option for business owners who frequently fly on Delta thanks to the free checked bag benefit and ability to earn SkyMiles with every purchase

11. Delta SkyMiles Platinum American Express Card

60,000 SkyMiles & (5,000 MQMs) after $3,000 spend in the first 3 months


10xT Thoughts

The premium card option for travelers who frequently fly Delta. This card comes loaded with perks designed for Delta flyers, but also a higher annual fee along with them.

12. Delta SkyMiles Platinum Business American Express Card

70,000 SkyMiles & (5,000 MQMs) after $4,000 spend in the first 3 months


10xT Thoughts

The premium card option for business owners who frequently fly Delta. This card comes with a higher annual fee but a handful of perks to justify it.

13. American Express Gold Card

Earn 60,000 points after you spend $4,000 in the first 6 months. Terms apply.


10xT Thoughts

This is the personal version of the previously mentioned American Express Business Gold Card. Most links only offer 35,000 bonus points for this card but there are personal referrals available offering 40,000 points.

14. American Express Business Gold Card

35,000 bonus points after $5,000 spend in the first 3 months


10xT Thoughts

The real benefit of the Business Gold Rewards Card from American Express is the ability to choose your 3x points category. You can choose from airfare, advertising, gas stations, shipping, and computer hardware and software.

15. Hilton Honors American Express Surpass Card

130,000 Hilton Honors points after $2,000 spend in 3 months


10xT Thoughts

Overall this card is great when compared to other Hilton offers but in the middle of the pack in the world of hotel cards. Remember, these are Hilton points we are talking about so don’t get too excited by the large number. Most consider Hilton points to be worth about 0.5 cents per point.

16. Hilton Honors American Express Business Card

130,000 Hilton points after $3,000 spend in the first 3 months


10xT Thoughts

A great choice for business owners who find themselves staying at Hilton properties on a regular basis. This card earns 12x points on spend at Hilton properties and also comes with complimentary Hilton Gold Status. All for a reasonable $95 annual fee.

17. Capital One® Spark® Miles for Business

50,000 miles after spending $4,500 in the first 3 months


10xT Thoughts

Earn 2x miles on all purchases, with those miles redeeming for statement travel credits or transferring to a handful of travel partners. Capital One's transfer partners generally offer less value than those of Chase and American Express. Note that this card will add to your 5/24 count.

18. Capital One® Spark® Cash for Business

$500 cash back after spending $4,500 in the first 3 months


10xT Thoughts

Perhaps the best cash back card on the market for business owners thanks to a hefty bonus and great ongoing spend earnings. Note that this card will add to your 5/24 count.

19. Marriott Bonvoy Business American Express Card

Earn 100,000 points after you spend $5,000 in the first 3 months. Terms apply.


10xT Thoughts

Earn 6x points at participating Marriott Bonvoy hotels, 4x at U.S. restaurants and U.S. gas stations, 2x on all other purchases. One free night each year on your account anniversary (35,000 points per night or less).

20. Marriott Bonvoy Brilliant American Express Card

Up to 125,000 bonus points. Earn 100,000 after $5,000 spend in the first 3 months and an additional 25,000 points after your first anniversary year of card membership.


10xT Thoughts

This is premium card in the Marriott family, coming with a $450 fee but plenty of perks to justify it. Earn 6x points at Marriott, 3x on U.S. restaurants and flights booked directly with airlines, 2x on everything else. Also comes with an annual free night award, $300 property credit, and complimentary gold elite status.

21. U.S. Bank Altitude Reserve

50,000 points after $4,500 spend in the first 90 days


10xT Thoughts

Earn 3x on travel and mobile wallet purchases, 1x on everything else. This is U.S. Bank's Premium travel card and it has the perks and bonus points to compete with the other big boys in the market.

22. Delta SkyMiles Reserve American Express Card

40,000 SkyMiles & (10,000 MQMs) after $3,000 spend in the first 3 months


10xT Thoughts

This is the premium Delta co-brand card for serious Delta customers. The ability to earn MQMs with credit card spend is a nice perk for big spenders.

23. Delta SkyMiles Reserve Business American Express Card

45,000 Delta SkyMiles and 10,000 MQMs after $4,000 spend in the first 3 months


10xT Thoughts

This is perhaps the most premium Delta credit card for business owners. High annual fee, but this can be offset thanks to Delta Skyclub access, an annual companion certificate, and the free checked bag benefit.

Cards for Under 5/24 - The Details

1. Chase Sapphire Preferred Card

Chase Sapphire Preferred stays at #1 overall ranking because of its incredible signup bonus (worth $1,000+ of travel), reasonable annual fee, and the amazing value of the points it earns.

Chase Sapphire Preferred’s position at #1 was solidified a bit after bumping its bonus up to 80,000 Chase Ultimate Rewards points.

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.

You can also redeem Ultimate Rewards to book travel via the Chase travel portal at a value of 1.25 cents per point, meaning the 80,000 bonus points offered by this card are worth a minimum of $1,000 when redeemed to book travel.

Transferring them to Chase’s many transfer partners can provide the highest redemption values if you know where to look.

You can check out our recent review of the Chase Sapphire Preferred here.

Be sure to also read our article on why this should be the first card you start with for more information on all things CSP. We also recently published an article on how the 10xT Staff would use the bonus points from Chase Sapphire Preferred.

Note that Chase has imposed new restrictions on the Chase Sapphire cards that limit your ability to get multiple versions of them. [More details on that here].

Annual Fee


$95

Card Benefits


  • 2 points per $1 spent on dining and travel, 1 point per $1 on all other purchases
  • Trip delay and primary rental car insurance
  • Points transfer 1:1 to many airline and hotel partners
  • No Foreign Transaction Fees

2. Chase Ink Business Preferred SM Credit Card

Chase Ink Business Preferred earns the exact same Chase Ultimate Rewards Points as the Chase Sapphire Preferred (discussed earlier) and the Chase Sapphire Reserve (that’s next).

The 100,000 points are worth $1,200 toward travel booked through the Chase Ultimate Rewards portal and can be transferred to any of Chase’s hotel or airline partners, which include Southwest, United, Hyatt, Marriott, and more.

One of the best things about this card is that you can pool all of your points with those earned from your Chase Sapphire Preferred or Chase Sapphire Reserve, making for a seamless integration of points earned from your business and points earned from personal spending.

I use this card for almost all of our business expenses here at 10xTravel, mainly because of the 3x points on advertising purchases and the fact that all of the points can be combined with my Chase Sapphire card.

This is certainly the best business credit card on the market and also one of the best overall cards. If you’re not sure what you do qualifies as a business, let us help guide you through the process. Many people incorrectly assume that they are not able to qualify for business credit cards.

Annual Fee


$95

Card Benefits


  • 3 points per $1 spent on the first $150,000 spent on travel, shipping, internet, cable and phone services, and advertising purchases made with social media sites each account anniversary year.
  • Points transfer 1:1 to multiple airline and hotel partners
  • No Foreign Transaction Fees

3. Marriott Bonvoy Boundless Credit Card

The Marriott Bonvoy Boundless is currently offering a bonus 5 free nights, capped at 50k points per night. This is a massive upgrade over previous offers!

Though we still penalize this card a bit in our rankings due to the restrictions that have been placed on Bonvoy cards issued by both Chase and American Express.

These restrictions basically make getting the Bonvoy Boundless card somewhat obsolete, as you can get a virtually identical offer from American Express that does not disqualify you from also getting the Bonvoy Business card from American Express.

You can use these points to book award nights at hundreds of Marriott properties or transfer them to more than a dozen airline programs.

This card also gives you an annual free night on your account anniversary each year, able to be used at any Marriott hotel that costs up to 35,000 points per night. Which covers most Marriott properties in their portfolio and makes the card worth keeping indefinitely for many people.

Personally, I just used this benefit to book a free night at the Houston Airport Marriott for my recent trip to Japan. A savings of about $120.

And finally, the Marriott Bonvoy Boundless Credit Card offers 6x points per $1 spent at any Marriott property and 2x points per $1 on everything else. Making it a decent choice for everyday spend for anyone looking to earn points to be used with the more than one dozen airline transfer partners of Marriott.

You also are not eligible to receive this bonus if you have received a bonus on the Bonvoy Brilliant or American Express Bonvoy Business Card in the past 24 months.

Annual Fee


$95

Card Benefits


  • Free Night Award (up to 35,000 points) every year on your account anniversary
  • 6 points per $1 spent at Marriott hotels, 2 points per $1 on everything else
  • Automatic Silver Elite Status
  • No Foreign Transaction Fees

4. Chase Sapphire Reserve

The Chase Sapphire Reserve is widely regarded as the best premium travel credit card on the market thanks to its generous signup bonus and incredible perks. It’s got a lot of moving parts though so let’s take a look at how they work.

Let’s start with the bad news. It has a $550 annual fee that is not waived for the first year. Plan on it being charged to your card in the first month or so. Most people don’t get past that fee. But read on…that fee gets you a ton of amazing perks.

For starters, you get 50,000 bonus Chase Ultimate Rewards points after spending $4,000 in the first 3 months. See above for an overview of how these points work (they’re amazing).

Having Sapphire Reserve also makes your Chase points worth 1.5 cents each when redeemed via the Chase Ultimate Rewards portal to book travel, meaning your 50,000 point bonus is worth $750 of travel.

Next, you get a $300 annual travel credit that is good for any sort of travel expense. Even paid tickets. So unless you are spending less than $300 on travel per year (in which case, why are you reading this website?) the annual fee becomes more manageable.

Finally, your Sapphire Reserves comes with complimentary membership to Priority Pass. Allowing you to access more than 900+ airport lounges worldwide.

The Chase Sapphire Reserve also gives you a $100 credit every four years to cover your application fees for TSA PreCheck or Global Entry, as well as some of the best trip interruption and rental car insurance coverage on the market. Personally, I think that TSA Precheck is the best $100 I have ever spent.

The fee is certainly not cheap but in this case it is absolutely worth it.

10xT Writer Caroline Lupini wrote a fantastic review of all things Chase Sapphire Reserve, check it out here. And here is an overview of how each 10xT Team Member would spend these points.

Note that Chase has imposed new restrictions on the Chase Sapphire cards that limit your ability to get multiple versions of them. [More details on that here].

Annual Fee


$550

Card Benefits


  • 3 points per $1 spent on dining and travel (after the $300 credit is applied), 1 point per $1 on all other purchases
  • $300 annual travel credit, good for any form of travel
  • Priority Pass Membership, giving you access to 1,000+ airline lounges worldwide
  • $100 Global Entry/TSA PreCheck credit every 4 years
  • Trip delay and primary rental car insurance
  • No Foreign Transaction Fees

5. Chase Ink Business Cash Credit Card

This $500 (50,000 Ultimate Rewards Points) offer has held steady for a few months now and is still one of the best on the market.

The real play with Ink Cash is to pair with another Chase Ultimate Rewards earning card (Sapphire Reserve, Chase Ink, Sapphire Preferred) and transfer points earned from the Ink Cash to your Chase Ultimate Rewards account. This allows your $500 “cash” signup bonus to be used for higher value travel redemptions.

This effectively gives you a way to earn 5x Chase Ultimate Rewards points on purchases made at office supply stores, internet, and cable and phone services.

Card Benefits


  • 5% cash back at office supply stores, internet, cable and phone services on up to $25,000 of spend per year
  • 2% cash back on the first $25,000 spent at gas stations and restaurants each year
  • 1% cash back on all other purchases

6. Chase Ink Business Unlimited Credit Card

This $500 (50,000 Ultimate Rewards Points) is the same bonus that is being offered by Ink Cash and overall a great value, particularly for anyone who has Sapphire Reserve, Sapphire Preferred, or Chase Ink Preferred. This allows your $500 “cash” signup bonus to be used for higher value travel redemptions.

Ink Unlimited also earns an unlimited 1.5x points on every purchase. Making this a great card for any business owners who do a substantial amount of non-category spend.

There are currently no restrictions on having this and other Chase Ink cards.

Check out our full review of this card here.

Card Benefits


  • 1.5% cash back on all purchases

7. Chase Freedom Flex

A fantastic new card from Chase mainly due to the incredible bonus categories (5% back on groceries, bonus categories, and travel booked through Chase, 3% back on dining and drugstores) and decent signup bonus.

Keep in mind that you can combine these points with other Chase Ultimate Rewards to be used with transfer partners and booking travel through the Chase portal. So this card is ideally paired with a Chase Sapphire Preferred Card, Chase Sapphire Reserve, or Chase Ink Business Preferred Credit Card.

Card Benefits


  • 5% cash back on grocery store purchases (not including Target or Walmart) on up to $12,000 in spend in the first year
  • 5% cash back on up to $1,500 in combined purchases in bonus categories, which rotate each quarter (must active)
  • 5% back on travel purchased through Chase
  • 3% back on dining at restaurants and drugstore purchases
  • 1% back on all else

8. United Explorer Card

The United personal card is back down to its bonus of 4,000 miles after $2,000 spend in 3 months.

To put things in perspective, you can fly round trip to Europe on a Saver Level ticket for 60,000 United miles so this one card would be enough to earn you a free international flight. Though this claim will be changing soon with the recent changes to United’s award chart.

You can also transfer points from Chase Ultimate Rewards to United to top off your account if needed.

The 2 United Club passes are also a nice perk for anyone who doesn’t have a card that offers lounge access. Once you try the lounge life there really is no going back.

Our own Julie Szpira wrote a recent article on why you should get the United MileagePlus explorer card. Worth a read for anyone considering getting this card.

Annual Fee


$95

Waived First Year

Card Benefits


  • 2 miles per $1 spent on United purchases as well as restaurants and hotel stays, 1 mile per $1 on everything else
  • $100 Global Entry/TSA PreCheck Credit
  • Free checked bag for the primary cardmember and one companion traveling on the same reservation
  • 2 United Club passes each year on your cardmember anniversary
  • No Foreign Transaction Fees

9. Chase Freedom Unlimited

Chase Freedom Unlimited has rocked up our monthly rankings thanks to a handful of new spending category changes made by Chase.

Freedom Unlimited now earns 5% back on travel booked through the Chase Ultimate Rewards portal, 3% back on dining, and 3% back on drugstores. There is no need to register and these category changes appear to be indefinite.

Keep in mind that if you also have a Chase Sapphire Preferred, Chase Sapphire Reserve, or Chase Ink Business Preferred you can combine all of your Chase points to be used for travel redemptions, including transfers to travel partners.

Card Benefits


  • 5% back on travel purchased through the Chase Ultimate Rewards portal
  • 3% back on dining and drugstores
  • 1.5% back on everything else
  • 5% back on grocery store purchases (not including Target® or Walmart® purchases) up to $12,000 spend in the first year.

10. IHG Rewards Club Premier Credit Card

The current offer is for 125,000 bonus points, down slightly from its previous high but still a stellar offer.

The IHG card confuses a lot of people because you have probably never seen an “IHG Hotel” along the side of the road. IHG hotels include Intercontinental, Holiday Inn, Crowne Plaza, Candlewood Suites, and more. There are more than 5,000 of them to choose from worldwide.

Many IHG properties go for as little as 10,000 points per night, with occasional offers as low as 5,000 points per night via their Pointbreaks program 

Personally, I just used the annual free night certificate to book a free night at the Intercontinental Osaka. Which normally goes for ~$400 a night.

Annual Fee


$89

Card Benefits


  • 10 points per $1 spent at IHG hotels, 2 points per $1 at gas stations, grocery stores, and restaurants, 1 point per $1 on all else.
  • One free night at an IHG hotel after your account anniversary each year*
  • IHG Platinum Status for as long as you hold the card
  • No Foreign Transaction Fees

11. United Business Card

Overall a good option for business owners who are loyal to United Airlines thanks to a reasonable annual fee and great perks, which include priority boarding, free checked bag, 25% back on inflight purchases, and more.

Right now this card comes with a bonus of 75,000 United miles after $5,000 spend in the first 3 months, which is down from a recent higher bonus.

Annual Fee


$99

Card Benefits


  • 2 miles per $1 spent on United purchases, gas stations, office supplies, and restaurants
  • 2 miles per $1 spent on local transportation (taxis, ride share, tolls, etc.)
  • 1 mile per $1 on everything else.
  • Free first checked bag & priority boarding
  • 2 United Club Passes on each cardmember anniversary
  • 5,000 bonus miles each year when you have this card and a United personal card
  • $100 annual United travel credit after you buy seven United flights ($100 or more per flight)
  • 25% back on inflight purchases when flying United
  • No Foreign Transaction Fees

12. Southwest Rapid Rewards Performance Business Card

This is the highest bonus I can ever recall seeing on a Southwest branded credit card, and of course these points do count toward that coveted Southwest Companion Pass.

Also of note, the T&Cs do not mention any restriction on this card related to the Southwest Rapid Rewards Priority Business Card. Which is great news for anyone who has picked that card up in the last 24 months.

It has been confirmed that this card is subject to the Chase 5/24 rule.

 

Annual Fee


$199

Card Benefits


  • 3x points on all Southwest purchases, 2x on social media and search ads, 2x on internet, cable and phone, 1x on all else.
  • 4 upgraded boardings per year
  • $100 TSA PreCheck/Global Entry Credit
  • 365 in-flight WiFi credits per year
  • 9,000 bonus points on each cardholder anniversary
  • No Foreign Transaction Fees

13. Southwest Rapid Rewards Premier Business Credit Card

The Southwest Premier Business credit card remains at 60,000 points, the highest among all the Southwest cards.

The best way to fully utilize these card bonuses is to work toward a Southwest Companion Pass, which is widely considered to be one of the best airline perks in the industry. To earn the pass you need to earn 125,000 qualifying Southwest points in the same calendar year.

Annual Fee


$99

Card Benefits


  • 2 points per $1 spent on Southwest, 1 point per $1 on all other purchases
  • 6,000 bonus points on your cardmember anniversary
  • No Foreign Transaction Fees

14. The World of Hyatt Credit Card

The Hyatt card holds steady this month with a tiered bonus of 50,000 points.

There is a lot to be excited about with the World of Hyatt Credit Card, starting with the 50,000 point bonus. 50,000 bonus points can score you ~2 free nights at highest tier Hyatt properties in the world or as many as 12 free nights in lower tier properties.

(Here is a full card review by 10xT Contributor Julie S)

Personally I just got this card and used the bonus points to book 2 free nights at the world-renowned Park Hyatt Tokyo (from the movie Lost in Translation) for my recent trip to Japan. I had my wife do the same and we were able to cover our entire 4 night stay there. Rooms typically go for $600+ per night.

The annual free night perk also makes this card worth keeping long term for many travelers, though the category 1-4 restriction is less than ideal.

You’ll get better spending rewards on either of the Chase Sapphire products (particularly because Chase Ultimate Rewards transfer 1:1 to Hyatt) but this card is still a good grab for the bonus and ongoing perks.

Annual Fee


$95

Card Benefits


  • 4x on purchases made with Hyatt, 2x on restaurants, airline tickets (purchased directly with the airline) and fitness memberships. 1x on everything else
  • 1 free night (category 1-4) each year on your card member anniversary, 1 additional free night when you spend $15,000 on the card in a year
  • Discoverist Status with Hyatt as long as the card is open

15. British Airways Visa Signature Card

The British Airways Visa Signature Card is back to offering its bonus of potentially 100,000 miles with a tiered spend requirement.

The play with British Airways miles is to use them for short distance flights on American Airlines and other OneWorld carriers. British Airways uses a distance-based award chart, meaning you can find some flights for as little as 7,500 miles each way.

A recent example of my own; I was able to book a business class ticket from Capetown to Johannesburg (cash price ~$800) for just 12,750 Avios and ~$100 in taxes and fees.

Note that Chase also recently launched similar offers for the Air Lingus Card and Iberia Plus card, which also earn Avios.

Annual Fee


$95

Card Benefits


  • 4 Avios per $1 spent with British Airways, 1x Avios per $1 on everything else
  • Earn a Travel Together Ticket, good for 2 years, when you spend $30,000 in a year
  • No Foreign Transaction Fees

16. Southwest Rapid Rewards® Plus Credit Card

These cards are ideally paired with the Southwest Business card to earn Companion Pass for almost 2 full years, and timing to do so is about perfect at the moment.

Be aware though that Chase recently changed their rules to prevent anyone from getting two personal Southwest card bonuses in less than 24 months.

Annual Fee


$69

Card Benefits


  • 2 points per $1 spent on Southwest, 1 point per $1 on all other purchases
  • 3,000 bonus points on your cardmember anniversary

17. Southwest Rapid Rewards® Premier Credit Card

The Southwest Premier card seems to be stuck in the middle of the other Southwest credit card products, making it somewhat redundant in my opinion.

It has a slightly higher annual fee than the Southwest Plus card ($99 vs $69) with virtually all of the same perks. The only advantage of the Premier over the Plus is that it has no foreign transaction fees.

But at that point you might as well consider grabbing the Southwest Priority card, which has a $149 annual fee but comes with other perks such as priority boarding and a higher annual cardholder bonus.

Annual Fee


$99

Card Benefits


  • 2x points on all Southwest purchases, 1x on everything else
  • 6,000 bonus miles each year on your cardholder anniversary
  • No Foreign Transaction Fees

18. Southwest Rapid Rewards® Priority Credit Card

The Southwest Priority Card is the premium option of the three Southwest personal credit cards, featuring a higher annual fee but more perks that Southwest fans will find valuable.

This card is best used in conjunction with a Southwest Business Credit card to earn the Southwest Companion Pass. The timing is ideal right now, as Companion Pass should be earned early in the calendar year.

Note that you are not eligible for this card if you have received a bonus on another Southwest personal card in the last 24 months.

Annual Fee


$149

Card Benefits


  • 2 points per $1 spent on Southwest, 1 point per $1 on all other purchases
  • $75 annual Southwest Airlines credit
  • 4 upgraded boarding positions per year
  • 7,500 bonus points on your cardmember anniversary
  • No Foreign Transaction Fees

19. IHG Rewards Club Traveler Credit Card

A pretty straightforward hotel co-brand card, the IHG Traveler Card offers few perks but also does not have an annual fee. An OK choice for anyone who spends a significant amount of money at IHG properties.

Overall this would be near the lower middle of the pack as far as hotel cards go. The bonus looks substantial (numbers wise), but mid-range IHG properties go for ~35,000 to 45,000 points per night.

Card Benefits


  • 15x points per $1 spent at IHG hotels
  • 2x points at gas stations, restaurants, and grocery stores
  • No Foreign Transaction Fees

Cards for Over 5/24 - The Details

1. Citi Premier Card

The Citi Premier is one of the better (and most misunderstood) travel cards on the market.

This card is basically Citi’s version of the Chase Sapphire Preferred. The ThankYou Points can either be used to book travel (airfare, hotels, etc.) via the Citi Travel Center at a value of 1.25 cents per point or transferred to any of Citi’s transfer partners, which include Cathay Pacific, Air France, Etihad, Hilton, and more. Many, but not all, of the transfer rates are 1:1.

At a value of 1.25 cents via the Citi Travel Center this 60,000 point bonus is worth $750 of travel, with the potential to fetch even higher values via a partner transfer.

If you are over 5/24 and eligible to receive this card bonus, I think this card is a must get for any traveler.

You’ll want to be aware of Citi’s bonus and application rules before applying for this card.

Also check out what the 10xT Staff would do with this bonus.

Annual Fee


$95

Card Benefits


  • 3x points on Travel, which includes gas stations
  • 2x points on Dining and Entertainment, 1x on everything else
  • No foreign transaction fees
  • No Foreign Transaction Fees

2. Capital One® Venture® Rewards Credit Card

The Capital One Venture Rewards Credit Card holds steady in the rankings this month, retaining its long-time 50,000 mile bonus but also adding an additional 50,000 bonus miles if you can hit the massive spend.

This card recently introduced more than a dozen transfer partners, including Air Canada, Air France, Etihad, and Cathay Pacific. Points transfer at a rate of 2 Capital One miles > 1.5 airline miles.

Venture also keeps its original points redemption option of redeeming points to erase any travel purchase at a value of 1 cent per point.

Meaning the 50,000 bonus miles are worth $500 in free travel. Airline tickets, hotels, rental cars, Uber, taxis, you name it.  Simply pay with your Venture card and use your points to erase the charge later.

Here is what the 10xT Team would do with this bonus.

Annual Fee


$95

Waived First Year

Card Benefits


  • 2x miles on all purchases
  • $100 Global Entry/TSA PreCheck Credit
  • No Foreign Transaction Fees

3. The Business Platinum Card® from American Express

The Business Platinum by American Express falls in the rankings this month due to its welcome bonus dropping to 75,000 points.

Like Chase Ultimate Rewards, American Express Membership Rewards are incredibly valuable because of their ability to be transferred to 17 airline partners and 3 hotel partners or use to book with Amex Travel.

The spend required to earn the bonus on this card is one of the highest on the market but the 5x on travel bookings with Amex is a great perk for business owners who need to book a significant amount of travel.

Amex Business Platinum cardholders also get complimentary access to the Amex Centurion Lounges, which are some of the best airport lounges in the US.

Cardholders also receive Gold status with Marriott and Hilton.

And lastly, American Express has upgraded this card to a new metal version. Not exactly a travel perk, but it certainly beats a plastic card.

Here is a detailed overview of what the 10xT staff would each do with the bonus points on this card.

Annual Fee


$595

Card Benefits


  • 5x points on flights and prepaid hotels book on amextravel.com
  • Priority Pass Select membership
  • $200 annual airline incidental credit

4. AAdvantage Aviator Business MasterCard

This is the highest bonus I can recall ever seeing on this card. Plus a very low minimum spend requirement for a business card.

With American Airlines moving to dynamic award pricing this fall now is a great time to grab this card and cash in the miles for maximum value.

The recent launch of the AA web specials also make this card a bit more valuable. Many people have used these to book international award flights for as little as 7,500 miles one-way.

We do not have an affiliate link for this card so feel free to find a link elsewhere.

Annual Fee


$95

Card Benefits


  • 2x points on American Airlines purchases and eligible office supply expenses, 1x on everything else
  • Introductory companion certificate, good for 1 guest at $99
  • First checked bag free
  • No foreign transaction fees
  • 5% bonus on all miles earned each anniversary

5. AAdvantage Aviator Red World Elite MasterCard

This card is pretty straightforward, make one purchase and pay the $95 fee to earn 60,000 American Airlines miles. No minimum spend required.

Ideally get both this and the Citi AAdvantage cards to quickly stockpile 100,000+ American Airlines miles, which can get you just about anywhere on the planet. Possibly in business/first class.

The recent launch of the AA web specials also make this card a bit more valuable. Many people have used these to book international award flights for as little as 7,500 miles one-way.

We do not have an affiliate link for this card so feel free to find a link elsewhere.

Annual Fee


$99

Card Benefits


  • 2x points on American Airlines purchases, 1x on everything else
  • Introductory companion certificate, good for 1 guest at $99
  • First checked bag free
  • No foreign transaction fees

8. The Platinum Card from American Express

Like the Chase Sapphire Reserve, the Platinum Card from American Express is another example of a high-annual fee card that comes with a ton of great benefits. You will also want to check the Card Match tool to see if you are targeted for a higher offer. Some readers have been able to find offers with 100,000 bonus points.

Many people can’t get past the hefty fee, but the benefits more than make up for it.

The 60,000 bonus points can be transferred to 17 airline and 3 hotel partners or redeemed to book travel directly with American Express for a minimum of $600 of travel. You’ll get the most value by transferring to airline partners.

Throw in the $200 annual Uber credits ($15 per month and $35 in December). Simply add your Platinum Card to your Uber account and its automatic. Note that this also currently works for orders with Uber eats.

Like the Business Platinum from American Express Open, you will also receive Gold status with SPG and Hilton, an annual $200 airline fee credit, Priority Pass Select and Centurion Lounge access, and you’ll earn 5x points per dollar on hotel and airfare bookings via Amex Travel.

One key difference is that you can also earn 5x points per dollar on airfare when booking directly with an airline.

Not sure what you would do with these points? Here’s a quick look at how each member of the 10xT staff would spend them.

Annual Fee


$550

Card Benefits


  • Enjoy VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Terms Apply.
  • $200 in annual airline incidental fees with one airline
  • Priority Pass + Centurion Lounge access
  • $100 TSA Precheck/Global Entry fee credit

9. Delta SkyMiles Gold American Express Card

The Delta cards all jump in this month’s rankings as American Express has refreshed them with new welcome offers.

It’s very difficult to rank these cards due to the unpredictability of Delta’s award redemptions. Delta does not have an award chart so they can basically charge whatever they like for a flight.

Sometimes you will find 80,000 miles round trip to Europe in business class. Other times you will see 80,000 miles for a one-way flight to Chicago. You just never know.

But overall a decent card for just about anyone.

Annual Fee


$99

Waived First Year

Card Benefits


  • First checked bag free
  • Priority boarding on Delta flights
  • 2x miles per $1 spent with Delta, at restaurants and supermarkets. 1x on all else.
  • 20% savings on in-flight Delta purchases
  • No Foreign Transaction Fees

10. Delta SkyMiles Gold Business American Express Card

A very typical co-brand business card, the Delta SkyMiles Gold Business American Express Card comes with a modest annual fee (that is waived for the first year) as well as priority boarding and your first checked bag free.

Overall this card is probably inferior to American Express’ other Membership Rewards earning business cards but it could be a decent opportunity for business owners who are loyal to Delta and who do not want to pay the larger annual fee on the other Delta co-brand business cards.

Annual Fee


$99

Waived First Year

Card Benefits


  • 2x miles on Delta purchases, purchases of U.S. advertising, U.S. shipping, and dining. 1x on all else
  • Free checked bag and priority boarding
  • No Foreign Transaction Fees

11. Delta SkyMiles Platinum American Express Card

American Express recently refreshed all of their Delta card products, including the Delta SkyMiles Platinum Card. This is the more expensive version of this popular co-brand card that comes with a handful of perks to justify the higher annual fee.

The current signup bonus is on par with most others we have seen on Delta cards in the past.

Annual Fee


$250

Card Benefits


  • 1st Checked Bag free
  • 3x miles on Delta purchases and purchases made directly with hotels
  • 2x miles on purchases at supermarkets and restaurants, 1x on all else
  • Fee credit for Global Entry or TSA PreCheck
  • 20% savings on in-flight purchases on Delta
  • $39 per person to access Delta Sky Clubs for you and 2 people (when flying Delta)
  • No Foreign Transaction Fees

12. Delta SkyMiles Platinum Business American Express Card

Very typical business co-brand airline credit card but with a slant toward premium travelers. Free checked bags, 3x points on purchases with the airline, etc.

Right now this card is has generous welcome offer that is enough to encourage just about any business owner to give it a try.

Delta miles can be a bit unpredictable though due to the fact that they do not have a published award chart. There are some great deals to be had, just don’t rely on them as your only option.

 

Annual Fee


$250

Card Benefits


  • 3x miles on Delta purchases and hotel purchases made directly with hotels, 1x on everything else
  • First checked bag free
  • Receive Main Cabin 1 Priority Boarding on your Delta flights
  • No Foreign Transaction Fees

13. American Express Gold Card

These are the same American Express Membership Rewards points that are earned by the aforementioned Platinum and Business Gold cards.

Be sure to look for a personal referral link offering a higher bonus for this card if you are interested in applying.

Annual Fee


$250

Card Benefits


  • 4x points at Restaurants
  • 4x points at US supermarkets, up to $25,000 spend per year
  • 3x points on flights booked with airlines or through Amex travel
  • $120 Dining Credit (up to $10 in statement credits monthly)
  • $100 airline incidental credit each year
  • No Foreign Transaction Fees

14. American Express Business Gold Card

The real benefit of the American Express Business Gold Card is the the fact that you earn 4x points on the two categories with the highest spending each month, automatically. These categories include flights purchased directly from airlines, U.S, purchases for advertising, gas stations, shipping, and computer hardware and software. Making this one of the best go-to spending cards for business owners.

We use this card for many of our business expenses at 10xTravel.

Be sure to look for a potentially higher bonus offer via personal referral links.

See the Business Platinum card commentary above for details on why Membership Rewards points are so valuable. Personally these are a close second in my book behind Chase Ultimate Rewards.

I just used 120,000 Amex Membership Rewards points myself to book a $20,000 First Class flight on ANA to Japan.

Here is what the 10xT Staff would do with a bonus of Amex points.

Annual Fee


$295

Card Benefits


  • 4x points on two categories where your business spends the most each month (up to $150,000 in purchases per year), 1x on all other purchases
  • Choose from airfare purchased directly from airlines, select media expenses such as advertising, technology, US Gas Stations, US restaurants, US shipping

15. Hilton Honors American Express Surpass Card

The 125,000 bonus on this card is a slight upgrade over it’s past bonus of 100,000 points. Overall this card is great when compared to other Hilton offers but in the middle of the pack in the world of hotel cards. Remember, these are Hilton points we are talking about so don’t get too excited by the large number. Most consider Hilton points to be worth about 0.5 cents per point.

This card is worth getting if you are well over 5/24 and value Hilton points and Hilton Gold Status. Otherwise consider other options.

I recently was able to use Hilton points to book a 2 night stay at the iconic Hotel del Coronado in San Diego. Which is about as good a use of Hilton points as you will find.

Annual Fee


$95

Card Benefits


  • 12x points on Hilton purchases, 6x at U.S. restaurants, supermarkets, and gas stations. 3x on everything else
  • Complimentary gold status with Hilton
  • No Foreign Transaction Fees

16. Hilton Honors American Express Business Card

Be careful, Hilton points are notoriously tricky for new folks. 130,000 looks like a lot but the value per point is quite low compared to most competitors.

Still a decent grab for big time Hilton fans, but overall this is a middle of the pack hotel card.

Annual Fee


$95

Card Benefits


  • 12x points on Hilton purchases, 6x on select business purchases, 3x on all else
  • Hilton Gold Status
  • No Foreign Transaction Fees

17. Capital One® Spark® Miles for Business

Spark Miles falls in the rankings due to the expiration of its recent 200,000 point offer. Though the 50,000 point offer that is currently available is still worth considering for most.

Note however that the minimum spend required to earn this bonus is incredibly high compared to other similar offers.

Spark Miles is basically the business version of the Capital One Venture. The two cards earn the same exact points, which can be redeemed to do the exact same things.

The points can transfer to a handful of airline partners or be redeemed to “erase” any travel purchase at a value of 1 cent per point.

Note that Capital One reports their business cards to your personal credit, so getting this card will add to your 5/24 count.

Annual Fee


$95

Waived First Year

Card Benefits


  • 2 points per $1 on all purchases
  • No Foreign Transaction Fees

18. Capital One® Spark® Cash for Business

Spark Cash is back down to its bonus offer of $500 cash back, which is still a decent deal for business owners who are not interested in earning travel points.

Though the spend required to earn this bonus is substantial and out of reach for many.

Spark Cash is basically just a 2% cash back business card after you earn the bonus. Which is great for many people.

Note that while this is a business credit card, Capital One will still report it to your personal credit. Meaning it will add to your 5/24 number.

Annual Fee


$95

Waived First Year

Card Benefits


  • 2 points per $1 on all purchases
  • No Foreign Transaction Fees

19. Marriott Bonvoy Business American Express Card

The Marriott Bonvoy Business card dropped in our rankings this month due to a reduction in its welcome offer. Marriott’s recent announcement of peak award pricing also was a factor.

Still a pretty good card, particularly for loyal Marriott guests/anyone who spends a lot of money with Marriott, but the 75,000 welcome bonus drops it behind many competitors.

You will want to be aware of the restrictions placed on all Bonvoy card applications before considering this card.

Annual Fee


$125

Card Benefits


  • Annual free night award (up to 35,000 points per night)
  • 6x points at Marriott/SPG properties, 4x at U.S. restaurants and U.S. gas stations, 2x on everything else
  • Automatic silver status
  • No Foreign Transaction Fees

20. Marriott Bonvoy Brilliant American Express Card

The Bonvoy Brilliant also drops in this months rankings thanks to a reduction in the welcome offer from 100,000 to 75,000 points and with the announcement that Bonvoy will be introducing peak award pricing.

This is still the best premium card option for loyal Marriott guests looking for card perks and a decent bonus.

These points can be used to book Marriott stays or transferred to 20+ airlines at a rate of 3:1, with a 5,000 point bonus for every 60,000 miles transferred. This is effectively the same as the old SPG > Airline transfer rate.

This card comes with a hefty annual fee but also a ton of perks. The biggest perk being the $300 annual credit at participating Marriott and SPG properties. This credit should work on just about any expense (room rate, on site expenses, etc.) so it would be difficult not to take full advantage of it each year.

The Bonvoy Brilliant card also comes with an annual free night award after your cardmember anniversary, good for a free night up to 50,000 points per night. Which covers just about any Marriott property you would like to visit.

Finally, this card comes with a $100 Global Entry/$85 TSA PreCheck Credit that is similar to what is offered by many other premium credit cards on the market.

Note that you are not eligible to receive this card if you have received an upgrade or welcome offer on the Chase Marriott personal or business credit card in the past 24 months.

Annual Fee


$450

Card Benefits


  • $300 annual credit at participating Marriott and SPG properties
  • Annual free night award (up to 50,000 points per night)
  • 6x points at Marriott/SPG properties, 3x on dining and travel booked directly with airlines, 2x on everything else
  • Automatic gold status
  • $100 Global Entry/TSA PreCheck Credit
  • No Foreign Transaction Fees

21. U.S. Bank Altitude Reserve

U.S. Bank’s Premium travel credit card, the Altitude Reserve comes with a handful of great perks and a generous bonus offer. Priority Pass Select Membership, a $325 annual travel credit, $100 PreCheck/Global Entry credit, no foreign transaction fees, and more.

But note that the Priority Pass membership offered by this card only allows 4 complimentary visits per year. Compared to unlimited lounge access offered by other premium travel cards on the market.

The points are incredibly easy to use but lack the upside offered by the other premium travel cards due to their inability to transfer to airline and hotel partners. Altitude Reserve points simply redeem to book any travel at a value of 1.5 cents per point.

One major downside of this card is that you have to be a US Bank customer to apply (mortgage, checking/savings account, etc.). For that reason we have it lower in the rankings than it otherwise would be.

Overall I would describe this card as “sneaky” (in a bad way). To a layman this looks like any other premium travel card. But when you dig deeper you find that it has many exceptions such as 1) more restrictive lounge access 2) restrictions on who can apply for the card and 3) no transfer partners.

Annual Fee


$400

Card Benefits


  • $325 annual travel credit
  • 12 GoGo In-Flight Wifi passes per year
  • $100 TSA PreCheck or Global Entry Credit
  • Priority Pass Select Membership (Only 4 complimentary visits per year)
  • No Foreign Transaction Fees

22. Delta SkyMiles Reserve American Express Card

This is the most premium Delta co-brand credit card, coming with a hefty $550 annual fee but a long list of benefits as well.

This card gives you free access to Delta Sky Clubs when flying Delta and also free access to the American Express Centurion Lounges when you book a Delta flight and pay with this card.

It also comes with a TSA PreCheck/Global Entry credit, a free checked bag, and priority boarding.

Overall this card is really only ideal for frequent Delta flyers, though the large bonus makes it worth grabbing for just about anyone for at least the first year.

Annual Fee


$550

Card Benefits


  • 3x miles on Delta purchases, 1x on all else
  • Global Entry or TSA PreCheck Credit
  • Free access to Delta Sky Clubs when flying on Delta
  • Free Centurion Lounge access when you book a Delta flight with the card
  • Free checked bag and priority boarding
  • No Foreign Transaction Fees

23. Delta SkyMiles Reserve Business American Express Card

High fee, high perk credit card for business owners who frequently travel with Delta. The high welcome offer and ability to earn MQMs with this card make it a very appealing for most people to at least consider trying.

This is one of a handful of Delta co-brand cards that were recently revamped by American Express.

Annual Fee


$550

Card Benefits


  • 3x miles on Delta purchases, 1x on everything else
  • Complimentary access to Delta Sky Clubs and Centurion Lounges when flying on Delta
  • No Foreign Transaction Fees

Editors Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

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