Best Credit Card Offers

July 2021

Every month we share what we 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 July 2021.

We 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, we am going to rank the top offers based on the order in which we think they should be considered by the average person.

We 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.

You can also view our favorite card choices by category by seeing our favorite picks for airline credit cards, hotel credit cards, travel credit cards, cash back credit cards, balance transfer cards, and business cards.

Advertiser Disclosure

10xTravel is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

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.

Best Credit Cards Under 5/24


Current Offer

100,000

Chase Ultimate Rewards Points

after you spend $4,000 on purchases in the first 3 months of account opening.


Annual Fee:
$95

Terms Apply.


2x

2X points on travel and dining at restaurants worldwide, including eligible delivery services.

1x

1 point per dollar spent on all other purchases.


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.



Current Offer

$200

cash back

after you spend $500 in the first 3 months. Plus earn 5% cash back on up to $12,000 spent on grocery store purchases in your first year (excluding Target and Walmart)


Annual Fee:
$0

Terms Apply.


5%

Earn 5% cash back on up to $1,500 in combined purchases in bonus categories, which rotate each quarter (must activate)

5%

Earn 5% back on travel purchased through Chase

3%

Earn 3% back on dining at restaurants and drugstore purchases

1%

Earn 1% back on all other purchases


A fantastic new card from Chase mainly due to the incredible bonus categories (5% back on 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.



Current Offer

$200

cash back

after you spend $500 in the first 3 months. Plus earn 5% cash back on up to $12,000 spent on grocery store purchases in your first year (excluding Target and Walmart).


Annual Fee:
$0

Terms Apply.


5%

Earn 5% on travel purchased through Chase Ultimate Rewards.

3%

Earn 3% on dining at restaurants, including takeout and eligible delivery services.

3%

Earn 3% on drugstore purchases.

1.5%

Earn 1.5% on all other purchases


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.



Current Offer

$750

bonus cash back

after you spend $7,500 in 3 months


Annual Fee:
$0

Terms Apply.


5%

Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year.

2%

Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.

1%

Earn 1% cash back on all other purchases, with no limit on how much you can earn


Ink Business Cash comes with a 75,000 point signup bonus that is often marketed as “$750 cash”. Note that if you have another Chase Ultimate Rewards card you can combine these points to be used for travel.



Current Offer

$750

bonus cash back

after you spend $7,500 in 3 months


Annual Fee:
$0

Terms Apply.


1.5%

Earn unlimited 1.5% Cash Back rewards on every purchase


Ink Business Unlimited comes with a 75,000 point signup bonus that is marketed as “$750 cash”. These points can be used for higher value travel redemptions if you have another Chase Ultimate Rewards card.



Current Offer

100,000

Chase Ultimate Rewards Points

after you spend $15,000 on purchases in the first 3 months after account opening


Annual Fee:
$95

Terms Apply.


3x

Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, and on advertising purchases made with social media sites and search engines each account anniversary year.

1x

Earn 1 point per $1 on all other purchases, with no limit.


Chase Ink Preferred earns the exact same 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.



Current Offer

60,000

Chase Ultimate Rewards Points

after you spend $4,000 in 3 months


Annual Fee:
$550

Terms Apply.


3x

points per $1 spent on dining, eligible delivery services, and travel (after the $300 credit is applied)

1x

points per $1 spent on all else


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.



Current Offer

Up to 100,000

Bonus Miles

Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, earn an additional 20,000 bonus miles after you spend $10,000 total on purchases in the first 6 months your account is open.


Annual Fee:
$250

Terms Apply.


3X

Earn 3X miles on United purchases

2X

Earn 2X miles on all other travel

2X

Earn 2X miles at restaurants and on select streaming services


The Chase United Quest Card is a good card for those of you looking for a good card to hold long-term. If you fly United often, some of the perks easily help offset the annual fee. But if you’re more likely to use the points for Star Alliance partner flights then you’re still getting a nice bonus for a relatively modest annual fee.



Current Offer

100,000

Total Bonus Avios

after $5,000 spent on purchases in the first 3 months


Annual Fee:
$95

Terms Apply.


5x

Earn 5 Avios for every $1 spent on purchases with British Airways, Aer Lingus, and Iberia, and LEVEL in the first 12 months of account opening. After, earn 3 Avios for every dollar spent on these categories.

3x

Earn 3 Avios for every $1 spent on hotel accommodations when booked directly with the hotel within the first 12 months of account opening. After, earn 2 Avios for every dollar spent on this category

1x

Earn 1 Avios for every $1 spent on everything else.


The British Airways Visa Signature Card is offering a bonus of 50,000 Avios.

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.



Current Offer

100,000

Bonus Avios

after you spend $5,000 on purchases within the first 3 months of account opening.


Annual Fee:
$95

Terms Apply.


5x

Earn 5 Avios per $1 spent on flight purchases made directly with Aer Lingus, British Airways, Iberia, and Level within your first 12 months from account opening. After, earn 3 Avios for every dollar spent on this category.

3x

Earn 3 Avios per $1 spent on hotel accommodations when purchased directly with the hotel within your first 12 months from account opening. After, earn 2 Avios for every dollar spent on this category.

1x

Earn 1 Avios per $1 spent on all other purchases.


A typical airline co-brand card, but with a twist. Aer Lingus is an international carrier so the perks of this card won't be all that valuable to most U.S. residents. Note that the Avios used on this card can also be easily redeemed with British Airways and Iberia.



Current Offer

100,000

bonus Avios

after you spend $5,000 on purchases within the first 3 months of account opening.


Annual Fee:
$95

Terms Apply.


5x

Earn 5 Avios per $1 spent on purchases with Iberia, British Airways, Aer Lingus, and Level in the first 12 months from account opening. After, earn 3 Avios for every dollar spent on this category.

3x

Earn 3 Avios per $1 spent on hotel accommodations when purchased directly with the hotel in the first 12 months from account opening. After, earn 2 Avios for every dollar spent on this category.

1x

Earn 1 Avios per $1 spent on all other purchases.


A typical cobrand airline card, decent for anyone who is looking to earn Iberia miles though these are a less popular option than most US-based airline miles.



Current Offer

150,000

bonus points

after spending $3,000 on purchases in the first 3 months from account opening


Annual Fee:
$89 $0 for your first year, then $89.

Terms Apply.


10x

Earn 10 points per $1 spent with IHG.

2x

Earn 2 points per $1 spent on on purchases at gas stations, grocery stores, and restaurants.

1x

Earn 1 point per $1 spent on all other purchases.


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.



Current Offer

80,000

bonus points

after you spend $5,000 on purchases in the first 3 months.


Annual Fee:
$199

Terms Apply.


3x

Earn 3x points on all Southwest purchases

2x

Earn 2x points on social media and search advertising spend

2x

Earn 2x points on all internet, cable and phone spend


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.



Current Offer

60,000

total bonus points

30,000 points after $3k spend in 3 months. Up to 30,000 additional points by earning 2X points on the first $15,000 spent in non-bonus categories in the first 6 months.


Annual Fee:
$95

Terms Apply.


9X

Bonus Points per $1 spent with Hyatt. Earn 4X bonus points from the card and 5 base points as a World of Hyatt member.

2x

Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airline, local transit and commuting as well as fitness club and gym memberships.

1x

Earn 1 Bonus Point per $1 on everything else, 2X in the first 6 months up to the first $15,000 spent.


This bonus of up to 60,000 points 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 9 points per $1 spent at Hyatt (4X bonus points from the card, and 5X base points for being a World of Hyatt Member), 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.



Current Offer

Up to 150,000

bonus miles

75,000 miles after you spend $5,000 on purchases in the first 3 months your account is open, and an additional 75,000 miles after you spend $20,000 total in the first 6 months.


Annual Fee:
$99

Terms Apply.


2x

2 miles per $1 spent on United purchases, gas stations, office supplies, and restaurants (including eligible delivery)

2x

2 miles per $1 spent on local transportation (taxis, ride share, tolls, etc.)

1x

1 mile per $1 on everything else.


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.



Current Offer

3 Free Nights

up to 50,000 points each

after you spend $3,000 on purchases in the first 3 months from account opening.


Annual Fee:
$95

Terms Apply.


17X

Earn up to 17 bonus points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy

10x

Earn 10X total points on eligible purchases at gas stations, restaurants and grocery stores within your first 6 months of account opening.

2x

Earn 2 bonus points per $1 spent on other travel purchases.

2x

Earn 2 bonus points per $1 on everything else.


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.



Current Offer

60,000

bonus points

after $3,000 spend in 3 months


Annual Fee:
$99

Terms Apply.


2x

Earn 2x points on all Southwest purchases

1x

Earn 1x points on all other purchases


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.



Current Offer

60,000

Bonus Points

after you spend $3,000 on purchases in the first 3 months your account is open + an additional 10,000 after you spend $6,000 in the first 6 months


Annual Fee:
$95 $0 for your first year, then $95.

Terms Apply.


2x

2 miles per $1 spent on dining

2x

2 miles per $1 spent on hotel stays

2x

2 miles per $1 spent on purchases from United, including tickets, Economy Plus®, inflight food, beverages and Wi-Fi, and other United charges.

1x

1 mile per $1 on everything else.


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.



Current Offer

40,000

Bonus Points

after you spend $1,000 in the first 3 months.


Annual Fee:
$69

Terms Apply.


3x

Earn 3x points on dining, including takeout and eligible delivery services, for the first year

2x

Earn 2x points on all Southwest purchases

1x

Earn 1x points on all other purchases


TheSouthwest Rapid Rewards® Plus Credit 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. The Southwest Plus card has the lowest annual fee of the 3.



Current Offer

40,000

Bonus Points

after you spend $1,000 in the first 3 months.


Annual Fee:
$149

Terms Apply.


3x

Earn 3x points on dining, including takeout and eligible delivery services, for the first year

2x

Earn 2x points on all Southwest purchases

1x

Earn 1x points on all other purchases


The Southwest Rapid Rewards® Priority Credit Card is one of three personal Southwest credit cards offered by Chase. The Priority card has the highest annual fee of the 3 and the best overall perks. 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.



Current Offer

40,000

Bonus Points

after you spend $1,000 on purchases in the first 3 months.


Annual Fee:
$99

Terms Apply.


3x

Earn 3X points on dining, including takeout and eligible delivery services, for the first year

2x

Earn 2x points on all Southwest purchases

1x

Earn 1x points on all other purchases


The Southwest Rapid Rewards® Premier Credit 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.



Current Offer

60,000

Bonus Points

after spending $2,000 on purchases in the first 3 months from account opening.


Annual Fee:
$0

Terms Apply.


5x

Earn 5 points per $1 spent with IHG.

2x

Earn 2 points per $1 spent on on purchases at gas stations, grocery stores, and restaurants.

1x

Earn 1 point per $1 spent on all other purchases.


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.



Current Offer

30,000

bonus points

after you spend $1,000 on purchases in the first 3 months from account opening.


Annual Fee:
$0

Terms Apply.


14X

Earn up to 14X total Bonvoy points for every $1 spend at over 7,000 hotels participating in Marriott Bonvoy

2x

Earn 2x Bonvoy points for every $1 spend on travel purchase (such as airfare, taxis, and trains)

1x

Earn 1x Bonvoy points on all other purchases


A no-fee Marriott Bonvoy card good for budget-conscious travelers looking to earn Bonvoy points.


Best Credit Cards Above 5/24


Current Offer

100,000

Membership Rewards® Points

after you spend $6,000 on purchases in your first 6 months of Card Membership.


Annual Fee:
$695

Terms Apply. | Rates & Fees.


Earn 10x points on eligible purchases on at restaurants worldwide and when you shop small in the U.S., combined, up to the first $25,000 in your first 6 months.

10X

Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year (1x thereafter)

5X

5X Membership Rewards® Points on prepaid hotels booked on amextravel.com.

5X

Earn 1x Membership Rewards® Points on all other purchases.

1x

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...



Current Offer

80,000

Citi ThankYou Points

after making $4,000 in purchases with your card within the first 3 months of account opening.


Annual Fee:
$95

Terms Apply.


Earn 3x points at Restaurants

3x

Earn 3x points at Supermarkets

3x

Earn 3x points at Gas Stations

3x

Earn 3x points at Air Travel and Hotels

3x

Earn 1x points on all other purchases

1x

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...



Current Offer

60,000

Membership Rewards® Points

after you spend $4,000 on eligible purchases with your new Card within the first 6 months. Terms apply.


Annual Fee:
$250

Terms Apply. | Rates & Fees.


4x at restaurants, including Takeout and Delivery, including Uber Eats

4x

4x at US supermarkets, on up to $25,000 per calendar year in purchases, then 1X

4x

3x for flights booked directly with airlines or on amextravel.com

3x

1x on other eligible purchases

1x

The American Express® Gold Card shoots up the rankings this month thanks to an elevated welcome bonus! This is the highest welcome bonus we have seen on this card (publicly, anyway) for quite some time. Terms apply. Rates and fees....



Current Offer

100,000

Miles

50,000 miles after you spend $3,000 on purchases within 3 months from account opening, an additional 50,000 miles after $20,000 spend in the first year


Annual Fee:
$95

Terms Apply.


miles on all purchases

2x

The Capital One Venture Rewards Credit Card is one of the most well-known cards in the travel space. This card is currently offering an elevated 100,000 mile bonus but it requires a very large $20,000 spend in the first year...



Current Offer

100,000

Membership Rewards® Points

after you spend $15,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership


Annual Fee:
$595

Terms Apply. | Rates & Fees.


Earn Membership Rewards® Points on flights and prepaid hotels on amextravel.com.

5x

Earn 1.5X Membership Rewards® Points on each eligible purchase of $5,000 or more up to 1 million additional points per calendar year. 1x thereafter.

1.5x

Earn 1x Membership Rewards® Points on all other purchases.

1x

The Business Platinum Card® by American Express is one of the premier business cards on the entire market, and for good reason. The card is currently offering a generous 100,000 point welcome offer, though many readers are able to find...



Current Offer

70,000

Membership Rewards® Points

after spending $10,000 in the first 3 months. Terms apply.


Annual Fee:
$295

Terms Apply. | Rates & Fees.


Earn 4X points in the 2 select categories where you spend the most each month

4x

Earn 1x Membership Rewards® Points on all other purchases.

1x

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...



Current Offer

130,000

Hilton Honors Bonus Points

after you make $2,000 in eligible purchases within the first 3 months of Card Membership. Offer expires 8/25/2021.


Annual Fee:
$95 $0 for your first year, then $95.

Terms Apply. | Rates & Fees.


Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.

12x

Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations

6x

Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card

3x

The 130,000 bonus on this card is a slight upgrade over its 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...



Current Offer

130,000

Hilton Honors Bonus Points

after you spend $3,000 in eligible purchases in the first 3 months of Card Membership.


Annual Fee:
$95

Terms Apply. | Rates & Fees.


Earn 12X at hotels & resorts in the Hilton portfolio

12x

Earn 6X on Select Business & Travel Purchases

6x

Earn 3X on all other eligible purchases.

3x

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...



Current Offer

Up to 75,000

AAdvantage Miles

65,000 miles after $1,000 spend in the first 90 days, another 10,000 bonus miles when a purchase is made on an employee card


Annual Fee:
$95

Terms Apply.


miles per $1 spent with American Airlines

2x

miles per $1 spent on office supply, telecom, and car rental purchases

2x

mile per $1 on everything else

1x

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



Current Offer

90,000

Bonus Miles

after you spend $3,000 in purchases on your new Card in your first 3 months. Plus, earn a $200 statement credit after you make a Delta purchase with your new card within your first 3 months. Offer expires 7/28/2021.


Annual Fee:
$250

Terms Apply. | Rates & Fees.


Earn 3X Miles on Delta purchases and purchases made directly with hotels.

3x

Earn 2X Miles at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.

2x

Earn 1X Miles on all other eligible purchases.

1x

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....



Current Offer

80,000

Bonus Miles

and 20,000 Medallion Qualification Miles (MQMs) after you spend $5,000 in purchases on your new card in your first 3 months. Plus, earn a $200 statement credit after you make a Delta purchase with your new card within your first 3 months. offer expires 7/28/2021.


Annual Fee:
$550

Terms Apply. | Rates & Fees.


Earn 3X Miles on Delta purchases.

3x

Earn 1X Mile on all other eligible purchases.

1x

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...



Current Offer

100,000

Hilton Honors Bonus Points

after you use your new Card to make $1,000 in eligible purchases within the first 3 months of Card Membership. Offer expires 8/25/2021.


Annual Fee:
$0

Terms Apply. | Rates & Fees.


Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio.

7x

Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.

5x

Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.

3x

A very basic, no-fee Hilton card that comes with a handful of perks valuable to loyal Hilton travelers.



Current Offer

75,000

Bonus Marriott Bonvoy Points

after you spend $3,000 in eligible purchases within the first 3 months of Card Membership. Plus earn up to $150 in statement credits on eligible purchases made on your new card in the first 3 months of card membership.


Annual Fee:
$125

Terms Apply. | Rates & Fees.


Earn 6X points for each dollar of eligible purchases at participating Marriott Bonvoy™ hotels.

6x

Earn 4X points for each dollar of eligible purchases at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers & on U.S. purchases for shipping.

4x

Earn 2X points on all other eligible purchases.

2x

Easily the best business card for die-hard Marriott loyalists, the Marriott Bonvoy Business American Express card comes with a handful of benefits for a reasonable annual fee. Earn 6x points at participating Marriott Bonvoy hotels, 4x at U.S. restaurants and...



Current Offer

75,000

Bonus Marriott Bonvoy Points

after $3,000 in purchases in the first 3 months. Plus earn up to $200 in statement credits on eligible purchases at U.S. Restaurants made on your new card in the first 6 months of card membership.


Annual Fee:
$450

Terms Apply. | Rates & Fees.


Points for every $1 spent at Marriott Bonvoy hotels

6x

Points for every $1 spent at U.S. Restaurants and flights booked directly with airlines

3x

Points for every $1 spent on all other purchases

2x

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...



Current Offer

65,000

bonus miles

after $4,000 in purchases within the first 3 months of account opening.


Annual Fee:
$99 $0 for your first year, then $99.

Terms Apply.


Earn 2 miles for every $1 spent on cable and satellite providers

2x

Earn 2 miles for every $1 spent on eligible American Airlines purchases

2x

Earn 2 miles for every $1 spent at gas stations

2x

Earn 2 miles for every $1 spent on select telecommunications merchants

2x

Earn 2 miles for every $1 spent on car rentals

2x

Earn 1 mile for every $1 spent on other purchases

1x

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.



Current Offer

70,000

Bonus Miles

after you spend $2,000 in purchases on your new card in your first 3 months. Plus, get a $200 statement credit after you make a Delta purchase with your new Card within your first 3 months. offer expires 7/28/2021.


Annual Fee:
$99 $0 for your first year, then $99.

Terms Apply. | Rates & Fees.


Earn 2x miles on Delta purchases

2x

Earn 2x miles on restaurants worldwide

2x

Earn 2x miles at U.S. supermarkets

2x

Earn 1x miles back on all other eligible purchases

1x

This is one of the most popular airline credit cards on the market. It’s very difficult to tell you the value of this card bonus due to the unpredictability of Delta’s award redemptions. Delta does not have an award chart...



Current Offer

50,000

Bonus Miles

after $2,500 in purchases within the first 3 months of account opening.


Annual Fee:
$99 $0 for your first year, then $99.

Terms Apply.


Earn 2 miles for every $1 spent at restaurants and gas stations

2x

Earn 2 miles for every $1 spent on eligible American Airlines purchases

2x

Earn 1 mile for every $1 spent on other purchases

1x

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.



Current Offer

50,000

Total AAdvantage Bonus Miles

after your first purchase and payment of the $99 annual fee


Annual Fee:
$95

Terms Apply.


AAdvantage Miles for every $1 spent with AA

2x

AAdvantage Miles on all other purchases

1x

The Barclays Aviator Card is one of two American Airlines branded cards (the other is issued by Citi). Both are very similar, and are very typical for a co-branded airline credit card. The recent launch of the AA web specials...



Current Offer

50,000

Bonus Miles

after you spend $4,500 in the first 3 months


Annual Fee:
$95 $0 for your first year, then $95.

Terms Apply.


Miles on every purchase

2x

Miles on hotel and rental car bookings made through Capital One Travel

5x

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...



Current Offer

$500

Cash Back

after you spend $4,500 in the first 3 months


Annual Fee:
$95 $0 for your first year, then $95.

Terms Apply.


Cash Back on every purchase

2%

Perhaps the best cash back card on the market for business owners thanks to a hefty bonus and great ongoing spend earnings. Business owners can use this card to earn a flat 2% cash back on every purchase with no...



Current Offer

50,000

Bonus Points

after you spend $4,500 in the first 90 days


Annual Fee:
$400

Terms Apply.


Points per $1 spent on prepaid hotels and car rentals, book directly with U.S. Bank

5x

Points per $1 spent on eligible travel purchases and mobile wallet spending

3x

Points per $1 spent on takeout, food delivery, and dining purchases through December 31, 2020

3x

Points per $1 spent on all else

1x

First thing to know: You have to be a U.S. Bank Customer to get this card. Which eliminates it for a lot of people. U.S. Bank’s Premium travel credit card, the Altitude Reserve comes with a handful of great perks...



Current Offer

Up to 100,000

Bonus Points

50,000 after $1,000 spend and payment of the annual fee in the first 90 days, another 50,000 points after $6,000 spend in 12 months.


Annual Fee:
$99

Terms Apply.


Points per $1 spent on JetBlue purchases

6x

Points per $1 spent at restaurants on grocery stores

2x

Points per $1 spent on everything else

1x

JetBlue’s cobranded credit card, issued by Barclays. Overall its an ok offer for loyal JetBlue customers but keep in mind that JetBlue does not service large portions of the USA and flies very few international routes. The spending rewards on...



Current Offer

60,000

Bonus Miles

5,000 Medallion Qualification Miles (MQMs), and a $100 statement credit after you spend $3,000 in purchases on your new Card in the first 3 months.


Annual Fee:
$250

Terms Apply. | Rates & Fees.


Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta.

3x

Earn 3 Miles on every eligible dollar spent on purchases made directly with hotels.

3x

Earn 1.5 miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half point per dollar), up to 50,000 additional miles per year.

1.5x

Earn 1 Mile on every eligible dollar spent on other purchases.

1x

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 has generous welcome offer that is enough to encourage just about...



Current Offer

50,000

Bonus Miles

and a $50 statement credit after you spend $2,000 in purchases on your new Card in the first 3 months.


Annual Fee:
$99 $0 for your first year, then $99.

Terms Apply. | Rates & Fees.


Earn 2x miles on Delta purchases.

2x

Earn 2x miles on eligible U.S. purchases for advertising in select media.

2x

Earn 2x miles on eligible U.S. shipping purchases.

2x

Earn 2x miles on every eligible dollar spent at restaurants.

2x

Earn 1x miles back on all other purchases

1x

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...



Current Offer

60,000

Bonus Miles

10,000 MQMs, and a $100 statement credit after you spend $4,000 in the first 3 months


Annual Fee:
$550

Terms Apply. | Rates & Fees.


Miles per $1 spent with Delta

3x

Miles per $1 spent after you spend $150,000 in a calendar year

1.5X

Miles per $1 spent on all else

1x

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...


Frequently Asked Questions

Which is the best rewards credit card?

While it may not be the one you’re hoping for, the answer is “it depends.” There are numerous factors that can go into choosing a credit card, including your spending habits, your travel goals and even where you live, so the best option for you could differ completely from the best option for someone else. Here are a few things to keep in mind that can help you make your selection:

Business vs. personal: What will the purpose of your credit card be? Are you looking for something to use for personal expenses or for business purchases? Business credit cards are tailored to suit business owners, with bonuses on categories associated with running a business and perks to match. Personal credit cards, on the other hand, can be more rewarding for everyday purchases.

Your credit score: Before you dive into your research, it’s important to know your credit score so that you have an idea of what types of cards you might reasonably expect to get approved for. While the top rewards cards typically require stellar scores, there’s a range of great options out there no matter where your score currently stands. Using your new card responsibly can also help bolster your credit score, so you may be able to aim higher next time around.

Reward type: Are you looking for cash back that will go straight into your pocket? Trying to collect frequent flier miles to use with your favorite airline? Or are you interested in diving a bit deeper and focusing on transferable points that can unlock aspirational travel experiences? Deciding what you want to earn—and how much effort you want to put into redeeming your rewards for maximum value—is crucial to narrowing down the field. 

Bonus categories: Generally speaking, you’ll want to look for a card that earns bonus rewards on categories where you spend the most money. Foodies might be interested in cards that earn extra points or cash back at restaurants or grocery stores, for example, while van lifers may want to net bonus points on gas. No matter where most of your money goes, you’re likely to find a card (or cards) that will reward you on some of your top categories.

Other benefits: It’s not all about earning, though. The great thing about rewards credit cards is that many of them come with an array of other perks, which can include lounge access, hotel status or credits to use on everything from airline fees to food delivery. If you find a card has benefits that can save you money—and you know you can put them to good use—that may be reason enough to apply.

Annual fee: Of course, those benefits don’t (always) come free. For the most part, the most souped up cards also carry the highest annual fees. But that’s not to say there aren’t plenty of great cards out there with reasonable fees (or no fees at all!). And it’s also not to say that the high-priced cards can’t be well worth the money. It all depends on how much value you’ll get from the card and what you’re willing to pay for it.

Will taking out a rewards credit card hurt my credit score?

When used responsibly, credit cards actually help, rather than hurt, your credit score. Demonstrating over time that you can consistently make on-time payments is a great way to signal to lenders that you’re trustworthy and responsible.

That said, your credit score will see a temporary ding whenever you apply for a new card. Before you do, you’ll want to weigh any near-term moves you may be making that depend on your credit score—taking out a mortgage, for example.

How long should I keep my rewards credit card?

Credit card companies are getting stricter and stricter when it comes to cracking down on user behavior they classify as “gaming” the system, or opening and closing cards specifically to accrue sign-up bonuses. To keep yourself in good standing with banks, it’s important to plan on keeping a card for at least a year after you open it. If you’re picking a credit card that suits your needs, it’s likely you’ll want to keep it for much longer anyway!

Of course, card issuers are continually tweaking their products and rolling out new ones, so you may find that eventually the card you have isn’t the optimal one for you or your lifestyle. It’s also important to regularly audit your wallet to make sure you’re getting enough value out of the card or cards you do have to justify any annual fees.

If you do find that you’re ready to bid farewell to a card, we always recommend looking to downgrade a card before outright cancelling it. In general, the longer your lines of credit have been open, the better for your credit score, so cancelling can have implications there. Downgrading to no-fee card keeps the same line of credit up and running without you having to pay a dime.

How many rewards credit cards is too many? 

Once again, the important thing here is to avoid engaging in any behavior that might look risky to banks. Taking out multiple cards in a manner of months? That might raise some red flags.

On the other hand, if you’re using cards responsibly—spacing out applications by at least a few months, making all payments on time and keeping your cards open for at least a year—you can easily have a credit card tally into the teens and preserve an excellent credit score. In that case, it’s more about personal preference and how well you can keep track of them all!

While a hard and fast limit may not exist on how many cards you have overall, some issuers have started putting their own limits on how many of their cards you can hold at once or take out in a given time period. Chase has its infamous 5/24 rule—you’ll automatically be rejected for certain Chase cards you apply for if you’ve already taken out five cards from any issuer in the last 24 months—and American Express has a four-credit-cards-per-customer cap (and a 10-card limit for charge cards).

Is a rewards credit card worth the annual fee?

 Almost every rewards card out there will offer you more than enough value to offset the annual fee. Travel cards in particular tend to offer sign-up bonuses that are big enough to redeem for international flights, providing plenty of bang for your buck. Cards commonly also come with various perks and credits that can effectively knock hundreds of dollars off the fees you pay.

The question then, becomes whether you can—and will—actually use the perks and credits in order to offset those fees. For example, the $695 Platinum Card from American Express comes packed with benefits, including up to $200 in annual Uber savings, a $200 airline fee credit, a $100 hotel credit when booking through The Hotel Collection and $100 in annual Saks credits. Those credits alone add up to more than the annual fee, but if you don’t travel frequently, you might not be able to put them all to use.

It’s all a matter of finding the card that works best for you. We can all but guarantee that there’s a card out there that’ll be worth the fee in terms of what it nets you in rewards—and if not, there are plenty of lucrative offers for fee-free cards out there, too!

Do rewards cards carry high interest rates? 

Yes—and that’s one key reason we recommend only taking out a card whose balance you know you can pay off in full each month. While you’ll earn points or cash back from putting spend on the card, they won’t wind up outweighing what you’ll pay in interest if you carry a balance.