Best Credit Card Offers

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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 September 2019.

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 chosen 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 Chase 5/24 rule is you’re going to want to give this a read)

(Take me to the card details)


Best Credit Cards Under 5/24

1. Chase Sapphire Preferred

60,000 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

80,000 Chase Ultimate Rewards Points after you spend $5,000 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 80,000 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 bryce@10xTravel.com if you have any questions about your particular situation.

3. 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.

4. Chase Ink Business Cash

$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.

5. Chase Ink Business Unlimited

$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.

6. Southwest Rapid Rewards Performance Business Card

80,000 points after $5,000 spend in 3 months


10xT Thoughts

A brand 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.

7. 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.

8. Southwest Rapid Rewards Plus Credit Card

40,000 bonus points after $1,000 spend in the first 3 months & Earn an additional 20,000 points after you spend $12,000 on purchases in the first 12 months of account opening


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.

9. Southwest Rapid Rewards Premier Credit Card

40,000 bonus points after $1,000 spend in the first 3 months & Earn an additional 20,000 points after you spend $12,000 on purchases in the first 12 months of account opening


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.

10. Southwest Rapid Rewards Priority

40,000 bonus points after $1,000 spend in the first 3 months & Earn an additional 20,000 points after you spend $12,000 on purchases in the first 12 months of account opening


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.

11. IHG Rewards Club Premier Credit Card

125,000 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.

12. United Explorer Business Card

Up to 100,000 bonus miles after qualifying spend. 50,000 bonus miles after $5,000 spend in 3 months & another 50,000 bonus miles after $25,000 in total spend in 6 months


10xT Thoughts

Overall a very typical airline business 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.

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. 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.

16. Marriott Bonvoy Boundless Credit Card

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


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 the Starwood Preferred Luxury card or Starwood Preferred Guest Business Card in the past 24 months.

17. Chase Freedom

$150 bonus after $500 spend in the first 3 months


10xT Thoughts

Chase Freedom is one of the most popular cash back cards on the market, offering 5% back on rotating categories, 1% on everything else.

18. Chase Freedom Unlimited

3% cash back on all purchases in your first year, up to $20,000 spent. Earn unlimited 1.5% cash back on all purchases thereafter.


10xT Thoughts

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

Best Credit Cards Over 5/24

1. The Business Platinum Card from American Express

Earn 50,000 points after you spend $10,000, an extra 50,000 points after an additional $15,000 all 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.

2. Citi Premier

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.

Capital One Venture Rewards Credit Card

3. Capital One Venture Rewards Credit Card

50,000 bonus miles after spending $3,000 in the first 3 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.

4. 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.

5. AAdvantage Aviator Business MasterCard

50,000 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.

6. 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.

7. CitiBusiness / AAdvantage Platinum Select World Elite MasterCard

60,000 miles after $3,000 spend in 3 months


10xT Thoughts

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

8. 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.

9. American Express Gold Card

Earn 35,000 points after you spend $2,000 in the first 3 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.

10. Hilton Honors American Express Surpass Card

125,000 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.

11. Hilton Honors American Express Business Card

125,000 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.

12. Marriott Bonvoy Business American Express Card

Earn 75,000 points after you spend $3,000 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).

13. Marriott Bonvoy Brilliant American Express Card

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


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.

14. Capital One Spark Miles for Business

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


10xT Thoughts

Basically the same bonus as the aforementioned Spark Cash, but the miles can used toward travel and be transferred to multiple airlines. Note that this card will add to your 5/24 count.

15. 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.

16. 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.

17. Gold Delta SkyMiles Credit Card

30,000 SkyMiles after $1,000 spend in the first 3 months plus $50 statement credit after you make a Delta purchase 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.

18. Gold Delta SkyMiles Business Credit Card

30,000 SkyMiles after $1,000 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

19. American Express Business Gold Card

Receive up to $500 back in the form of statement credits by purchasing qualifying services with FedEx using your Business Gold Card 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.

Capital One Savor Cash Rewards Credit Card

20. Capital One Savor Cash Rewards Credit Card

$300 cash back after $3,000 spend in 3 months


10xT Thoughts

The $300 bonus on this card is the best cash back bonus on the market to my knowledge. This card also earns 4% back on dining and entertainment, making it a great long-term option for anyone who prefers cash back over travel.

Cards for Under 5/24 - The Details

1. Chase Sapphire Preferred

Chase Sapphire Preferred stays at #1 overall ranking because of its incredible signup bonus (which recently got better), reasonable annual fee, 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.

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 60,000 bonus points offered by this card are worth a minimum of $750 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.

Check out our recent article on why this should be the first card you start with for more information. We also recently published an article on how the 10xT Staff would use the ~60,000 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

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 80,000 points are worth $1,000 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 10xT, 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. 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 $450 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


$450

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

4. Chase Ink Business Cash

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

5. Chase Ink Business Unlimited

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

6. 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

7. Southwest Rapid Rewards Premier Business Credit Card

The Southwest 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 110,000 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

8. IHG Rewards Club Premier Credit Card

The current offer is for 125,000 bonus points, which is up from its recent 80k bonus 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

9. United Explorer Business Card

The United Business card is offering up to 100,000 United miles up from the previous offer of 50,000 United Miles.

100,000 is a great grab, haven’t seen the bonus this high for awhile now. Though the spend required to earn this bonus is substantial. Otherwise this card would be ranked higher.

 

Annual Fee


$95

Waived First Year

Card Benefits


  • 2 miles per $1 spent on United purchases as well as restaurants and gas stations, 1 mile per $1 on everything else
  • 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

10. 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

Waived First Year

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

11. British Airways Visa Signature Card

The British Airways Visa Signature Card is back to offering its bonus of potentially 100,0000 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

12. 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. Though the timing of doing so is not ideal 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

13. 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

14. Southwest Rapid Rewards Priority

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 not 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

15. United Explorer Card

The United personal card is back down to its lower bonus of 40,000 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 will just about 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
  • 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

16. Marriott Bonvoy Boundless Credit Card

We decided to drop the Marriott Bonvoy Boundless card 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

17. Chase Freedom

$150 bonus after $500 spend in the first 3 months, rotating 5% back categories and 1% back on everything else. Can transfer your points to another Chase Ultimate Rewards card (such as Sapphire Reserve, Sapphire Preferred, or Ink) to be used at a higher value for travel.

This is one of the most popular cash back cards on the market.

Card Benefits


  • Earn 5% cash back on select rotating categories
  • 1% cash back on everything else

18. Chase Freedom Unlimited

As simple as credit cards can get, Chase Freedom earns 1.5% cash back on all purchases. These points can be combined with other Chase Ultimate Rewards points.

Card Benefits


  • 1.5% cash back on all purchases

Cards for Over 5/24 - The Details

1. The Business Platinum Card from American Express

The Business Platinum by American Express retains the top over 5/24 spot back thanks to a fantastic 100,000 point offer.

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 Starwood Preferred Guest (SPG) and Hilton. When you link your SPG and Marriott accounts, you will then have Gold status with Marriott as well.

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

2. Citi Premier

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 50,000 point bonus is worth $625 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

3. Capital One Venture Rewards Credit Card

The Capital One Venture Rewards Credit Card comes it at #3 this month, retaining its long-time 50,000 mile bonus.

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.

Capital One Venture Rewards Credit Card

Annual Fee


$95

Waived First Year

Card Benefits


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

4. 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.

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

5. 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.

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

6. 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


  • $200 in annual Uber credits
  • $200 in annual airline incidental fees with one airline
  • Priority Pass + Centurion Lounge access
  • $100 TSA Precheck/Global Entry fee credit

7. CitiBusiness / AAdvantage Platinum Select World Elite MasterCard

60,000 bonus miles is down from the recent 70,000 point offer but still makes for an attractive offer. For perspective, you can fly round trip to Europe for 60,000 or less AA miles at Saver Level. Or one-way in business class.

Though this is also rumored to be changing in the near future as American considers a dynamic award chart.

This card doesn’t have fantastic ancillary perks but the signup bonus offer makes it worth pursuing for just about anyone over 5/24.

Annual Fee


$99

Waived First Year

Card Benefits


  • First checked bag free on domestic AA itineraries
  • 2x AA miles per $1 spent on AA and in select business categories, 1 mile per $1 on everything else
  • No Foreign Transaction Fees

8. Citi / AAdvantage Platinum Select World Elite Mastercard

A very typical airline co-brand card with a great bonus at the moment. Comes with free checked bags, bonus points for purchases with AA, priority boarding, etc.

Now is a great time to consider this card due to the elevated bonus.

Annual Fee


$99

Waived First Year

Card Benefits


  • First checked bag free on domestic AA itineraries
  • 2x AA miles per $1 spent on AA and in select business categories, 1 mile per $1 on everything else
  • No Foreign Transaction Fees

9. 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
  • $100 airline incidental credit each year
  • No Foreign Transaction Fees

10. 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

11. Hilton Honors American Express Business Card

Be careful, Hilton points are notoriously tricky for new folks. 125,000 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

12. 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

13. 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

14. Capital One Spark Miles for Business

Spark Miles stays put this month, retaining its same 50,000 bonus point offer. Still a decent offer overall.

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

15. Capital One Spark Cash for Business

Spark Cash holds steady this month with no change in the offer.

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

16. 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

17. Gold Delta SkyMiles Credit Card

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.

Annual Fee


$95

Waived First Year

Card Benefits


  • $50 statement credit after you make a Delta purchase in the first 3 months
  • First checked bag free
  • 2x miles per $1 spent with Delta, 1 mile per $1 on everything else
  • No Foreign Transaction Fees

18. Gold Delta SkyMiles Business Credit Card

Not a whole lot to say, this is a very typical airline co-brand business card. Note that Delta miles are incredibly unpredictable due to the fact that they do not publish an award chart.

Sometimes you can find a business class flight to Europe for 70,000 Delta miles. Other times you can’t find an economy flight to Phoenix for that price. You just never know.

Annual Fee


$95

Waived First Year

Card Benefits


  • 2x on Delta purchases, 1x on everything else
  • First checked bag free
  • 20% in flight savings
  • Receive $50 statement credit after you make a Delta purchase in the first 3 months
  • No Foreign Transaction Fees

19. American Express Business Gold Card

The real benefit of the American Express Business Gold Card is the ability to choose your 4x points category. You can choose from airfare 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.

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.

Again, please look for a 50,000 point referral if you want this card. Our link currently offers no bonus points.

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

Annual Fee


$295

Card Benefits


  • 4x points on two categories of your choice, 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

20. Capital One Savor Cash Rewards Credit Card

One of the more appealing cash back cards on the market, the Savor is particularly good for anyone who has a high amount of spend on dining.

The $300 bonus on this card is the best cash back bonus on the market to my knowledge. This card also earns 4% back on dining and entertainment, making it a great long-term option for anyone who prefers cash back over travel.

Capital One Savor Cash Rewards Credit Card

Annual Fee


$95

Waived First Year

Card Benefits


  • Unlimited 4% back on dining, 2% on groceries, 1% on everything else
  • No Foreign Transaction Fees

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