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 February 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

50,000 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 (that is also waived for the first year), 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. United Explorer Business Card

75,000 bonus miles after $5,000 spend in 3 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.

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 Premier Credit Card

The Southwest personal cards now all offer 40,000 bonus miles after $1,000 spend in the first 3 months.


10xT Thoughts

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

9. Southwest Rapid Rewards Plus Credit Card

The Southwest personal cards now all offer 40,000 bonus miles after $1,000 spend in the first 3 months.


10xT Thoughts

The Southwest Premier and Plus Cards are the other two of three personal Southwest credit cards offered by Chase. Note that you can only get one of the three at a time, and are only eligible for the bonus if you have not had another Southwest personal card bonus in the last 24 months. You can read more about these cards by clicking the banner on the right side of this page. You can also check out the Southwest Airlines Business Credit Card.

10. Southwest Rapid Rewards Priority

The Southwest personal cards now all offer 40,000 bonus miles after $1,000 spend in the first 3 months.


10xT Thoughts

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

11. 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.

12. IHG Rewards Club Premier Credit Card

80,000 points after $2,000 spend in 3 months


10xT Thoughts

The IHG Rewards Club Premier Credit Card is back down to 80,000 bonus points, which is still a very attractive offer. Reasonable people could debate as to whether this card should be ranked ahead of the Hilton offers above it. All I’ll say is that it’s close. The annual free night on this card is a great perk.

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, 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. 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.

15. British Airways Visa Signature Card

Earn 4 Avios per $1 spent on all purchases in the first year up to $30,000


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. Note that this card does not currently enforce the Chase 5/24 rule.

16. Chase Freedom

$150 cash bonus after $500 spend in 3 months


10xT Thoughts

Freedom 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.

17. Chase Freedom Unlimited

$150 cash bonus after $500 spend in 3 months


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 25,000 points after an additional $10,000 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.

Capital One Venture Rewards Credit Card

2. 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.

3. Citi Premier

50,000 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 50,000 point bonus on this card is worth

4. Marriott Bonvoy Business American Express Card

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


10xT Thoughts

Earn 6x points at participating Marriott Bonvoy hotels, 3x 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). This card is an excellent choice because 1) it does not add to your 5/24 count 2) you can get both it AND the SPG Luxury card and 3) it has a much lower annual fee than the SPG Luxury card.

5. 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.

6. AAdvantage Aviator Red World Elite MasterCard

50,000 AAdvantage miles after first purchase


10xT Thoughts

Swipe it once, pay the annual fee, and earn 50,000 bonus points. It doesn’t get much easier than this.

7. American Express Business Gold Card

Earn 4x points on 2 select business categories. Terms Apply.


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. The fee on this card is also waived for the first year, which is rare for such a premium card. Look for a referral link offering 50,000 points for this card.

8. 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 25,000 bonus points for this card but there are personal referrals available offering 40,000 points.

9. Marriott Bonvoy Brilliant American Express Card

100,000 bonus points after $5,000 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.

10. Citi AAdvantage Platinum Select MasterCard

40,000 miles after $2k spend in 3 months, an additional 10,000 miles after $6k total spend in the first year.


10xT Thoughts

Perhaps the most popular American Airlines branded card, the Citi AAdvantage Platinum Select MasterCard comes with priority boarding, free checked bag, 25% off in-flight purchases, and a 10% refund of any miles redeemed, up to a limit of 10,000 miles per year. The 10% miles rebate and free checked bag perks make this card an attractive long term option for any loyal American Airlines customer.

Hilton Honors American Express Ascend Card

11. Hilton Honors American Express Ascend 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.

12. 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.

13. Barclaycard Arrival Plus Credit Card

70,000 bonus miles after $5,000 spend in the first 3 months


10xT Thoughts

Easiest travel card ever because the miles do one thing and one thing only. They erase any travel purchase at a value of 1 cent per point, meaning this 70,000 point bonus is worth $700 toward travel. $100 minimum redemption though. A great card for those looking for maximum flexibility, but overall lacks the upside of some of the more premium cards with transfer partners.

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.

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.

Capital One Savor Cash Rewards Credit Card

16. Capital One Savor Cash Rewards Credit Card

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


10xT Thoughts

The $500 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.


The Details

1) Chase Sapphire Preferred 

Image result for chase sapphire preferred

Current Offer:

  • 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
  • 2 points per $1 spent on dining and travel, 1 point per $1 on all other purchases
  • Trip delay and primary rental car insurance

Commentary:

Chase Sapphire Preferred holds on to its #1 overall ranking because of its incredible signup bonus, reasonable annual fee (that is also waived for the first year), and the amazing value of the points it earns.

Chase Ultimate Rewards points are widely considered to be among the best points in the industry thanks to their ability to be transferred to multiple airline and hotel partners. This gives you a ton of options for redeeming your points no matter where you want to travel.

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 50,000 bonus points offered by this card are worth a minimum of $625 when redeemed to book travel.

The 50,000 bonus points on the Chase Sapphire Preferred are worth $625+ of 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].

2) Ink Business Preferred 

Image result for chase ink preferred

Current Offer:

  • 80,000 bonus points after you spend $5,000 on purchases in the first 3 months.
  • 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.

Commentary:

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 (we use it for all things 10xT) 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.

You can read more about the Chase Ink Preferred offer here: Learn More

3) Chase Sapphire Reserve

Image result for chase sapphire reserve

Current Offer:

  • 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
  • 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

(Full offer details here: Learn More)

Commentary:

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).

You can also check out what the 10xT Staff would do with these points.

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.

image1

The swipe marks say it all; Chase Sapphire Reserve is one of my personal favorites

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.

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].

4a) Ink Business Cash

Image result for chase ink cash

Current Offer:

  • $500 bonus cash back after you spend $3,000 on purchase in the first 3 months
  • 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

(Full offer details here: Learn More)

Commentary:

This $500 (50,000 Ultimate Rewards Points) offer was launched a few months ago and is the highest public offer I have ever seen for this card. I am not sure how long this will last.

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.

You can read more about the Chase Ink Cash card here: Learn More

4b) Ink Business Unlimited

Ink Business Unlimited Credit Card

Current Offer:

  • $500 bonus cash back after you spend $3,000 on purchase in the first 3 months
  • 1.5% cash back on every purchase

(Full offer details here: Learn More)

Commentary:

The Ink Business Unlimited is a relatively new card in the points/miles world that makes for an excellent everyday spender for business owners.

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.

Check out our full review of this card here.

You can read more about the Chase Ink Unlimited card here: Learn More

5) United  Explorer Business Card

Current Offer:

  • 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months.
  • 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

Commentary:

The United Business card jumps to #5 this month thanks to an elevated bonus offer of 75,000 United miles. This is the highest public offer I have seen on this card in quite some time.

75,000 United miles is more than enough for a round-trip flight to Europe (economy, saver level) and possibly even Asia.

Overall this card is a great grab right now, particularly for loyal United customers.

6) Southwest Rapid Rewards Premier Business Credit Card

Current Offer:

  • 60,000 bonus points after you spend $3,000 on purchases in the first 3 months
  • 2 points per $1 spent on Southwest, 1 point per $1 on all other purchases
  • 6,000 (3,000 for personal plus) bonus points on your cardmember anniversary

Commentary:

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.

7a) Southwest Rapid Rewards Plus Credit Card

Current Offer:

  • 40,000 bonus points after you spend $1,000 on purchases in the first 3 months
  • 2 points per $1 spent on Southwest, 1 point per $1 on all other purchases
  • 3,000 for personal plus bonus points on your cardmember anniversary

Note that there is also a Southwest Rapid Rewards Premier Credit Card with a very similar offer.

Commentary:

The Southwest personal cards now all offer 40,000 bonus miles after $1,000 spend in the first 3 months.

These cards are ideally paired with the Southwest Business card to earn Companion Pass for almost 2 full years.

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

7b) Southwest Rapid Rewards Priority

Current Offer:

  • 40,000 bonus points after you spend $1,000 on purchases in the first 3 months
  • 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

(Full offer details can be found here. Learn More)

Commentary:

Same comments as the Southwest Plus Card.

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

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

8) Marriott Bonvoy Boundless Credit Card

Current Offer:

  • 75,000 points after $3,000 on purchases in the first 3 months
  • Free Night Award (up to 35,000 points) every year on your account anniversary
  • 6 points per $1 spent at Marriott and SPG hotels, 2 points per $1 on everything else
  • Automatic Silver Elite Status

(Full offer details can be found here. Learn More)

Commentary:

The Marriott Bonvoy Boundless Credit Card is back to its 75,000 point bonus, causing it to rise in the rankings this month.

I used 75,000 Marriott points to book a multi-night stay at the Rome Marriott Flora

You can use these points to book award nights at hundreds of Marriott or Starwood 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/SPG properties 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 Starwood Preferred Luxury card or Starwood Preferred Guest Business Card in the past 24 months.

You can read more about the Marriott Rewards Premier Plus Credit Card here. Learn More.

Also be sure to check out the business version of this card, which offers a very similar bonus, by visiting our credit cards page.

9) IHG Rewards Club Premier Credit Card

Current Offer:

  • 80,000 IHG points after $2,000 spend in the first 3 months
  • 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.

*Restrictions apply

Commentary:

The IHG Rewards Club Premier Credit Card is another great hotel card offered by Chase, checking in at #9 in this month’s rankings.

The current offer is for 80,000 bonus points, which is still a very attractive 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.

I used my IHG anniversary free night to book the Intercontinental Osaka

10) The World of Hyatt Credit Card 

Current Offer:

  • 25,000 bonus points after $3,000 spend in the first 3 months, an additional 25,000 bonus points (50,000 total) after $6,000 total spend in the first 6 months
  • 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

(Full offer details here: Learn More)

Commentary:

The Hyatt card falls a few spots this month due to a reduction in the bonus offer from 60,000 to 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.

Park Hyatt Tokyo
Staying at the famous Park Hyatt Tokyo thanks to the Hyatt Card

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.

11) United  Explorer 

Current Offer:

  • 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months.
  • 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

Commentary:

The United personal card falls quite a few spots this month due to a reduction in the bonus offer. At 40,000 bonus points I can’t say I recommend grabbing this card with its current offer.

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.

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.

12) British Airways Visa Signature Card

Current Offer:

  • 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

(British Airways Card: Learn More)

Commentary:

The British Airways Visa Signature Card seems to have completely eliminated its bonus this month (on our link anyway), though some readers report seeing other offers targeted toward them.

This card also seems to enforce the 5/24 rule as of mid November.

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.

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

(British Airways Card: Learn More)

Other cards to consider:

Image result for chase freedom

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. Chase Freedom.

Image result for chase freedom

Chase Freedom Unlimited: $150 bonus after $500 spend in the first 3 months, 1.5% cash back on all purchases. Can transfer points as described in Chase Freedom above. Chase Freedom Unlimited

The Details: Best Cards Over 5/24

1) The Business Platinum Card from American Express (Learn More)

Current Offer:

  • Limited time offer of 50,000 American Express Membership Rewards Points after you spend $10,000 in the first 3 months.
  • 25,000 additional bonus points after you spend an additional $10,000 in the first 3 months
  • 5x points on flights and prepaid hotels book on amextravel.com
  • Priority Pass Select membership
  • $200 annual airline incidental credit

(Full offer details here: Learn More)

Commentary:

The Business Platinum by American Express retains the top over 5/24 spot back thanks to a fantastic 75,000 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.

Amex Centurion Lounge, image courtesy of thecenturionlounge.com

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.

2) Capital One Venture Rewards Credit Card (Learn More)

Current Offer:

  • 50,000 bonus miles once you spend $3,000 in the first 3 months
  • 2 miles per $1 on all purchases

(Full offer details here: Learn more)

Commentary:

The Capital One Venture Rewards Credit Card just underwent one of the largest card transformations I have ever seen last month, causing it to jump all the way from #18 on our list to #2.

The biggest improvement was the introduction of 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.

You can read more about the Capital One Venture Rewards Credit Card here.

3) Citi Premier 

Current Offer:

  • 50,000 bonus ThankYou Points after you spend $4,000 in the first 3 months
  • 3x points on Travel, which includes gas stations
  • 2x points on Dining and Entertainment, 1x on everything else.
  • No foreign transaction fees

(More details available on our credit cards page)

Commentary:

The Citi Premier (previously called “ThankYou Premier”) falls to #3 on the “over 5/24” list also while maintaining its same offer. The 50,000 bonus points is still one of the best overall credit card bonuses on the market this month.

The Citi Premier 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.

You can transfer Citi ThankYou Points to Cathay Pacific

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.

4) Marriott Bonvoy Business American Express Card

Current Offer:

  • 100,000 bonus points after you spend $5,000 in the first 3 months
  • Annual free night award (up to 35,000 points per night)
  • 6x points at Marriott/SPG properties, 2x on everything else
  • Automatic silver status

More details available on our credit cards page.

Commentary:

Brand new card (well, sorta) that replaced the now extinct Starwood Business Credit Card. The 100,000 point bonus is as high as I can remember seeing on the old Starwood Business card so this is a great grab for business owners right now. Remember that these are Marriott points now, but they still can be transferred to more than a dozen participating airlines.

5) The Platinum Card from American Express  (Learn More)

Current Offer:

  • Limited time offer of 60,000 American Express Membership Rewards points after spending $5,000 in the first three months
  • $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

(Full offer details available here: Learn More)

Commentary:

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.

6)AAdvantage Aviator Red World Elite MasterCard (Personal & Business)

Current Offer:

  • 60,000 American Airlines miles when you make your first purchase and pay the annual fee (50,000 after $1k spend in 90 days for the business version)
  • 2x points on American Airlines purchases, 1x on everything else
  • 10% of your redeemed miles back, up to 10,000 per year

Commentary:

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.

You can quickly earn 100,000+ American Airlines miles with these 2 cards

7a) American Express Business Gold Card  (Learn More)

Current Offer:

  • 4x points per $1 in two categories of your choice, up to a combined $150,000 of spend per year
  • 1 point per $1 on everything else.

(Full offer details here: Learn More)

Note that we are ranking this card based on the widely available 50,000 point referrals

Commentary:

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.

ANA First Class Review IAH to NRT
I redeemed 120,000 Amex points to book this seat round-trip 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.

7b) The American Express Gold Card (Learn More)

Current Offer:

  • 20% back on U.S. dining purchases, up to $100 total, in the first 3 months
  • 4x at U.S. restaurants and supermarkets, 3x on airfare purchased directly from the airline, 1x on all else

Let’s start with the most important point. You should only get this card if you find an offer for 40,000 bonus points. Our link only provides 35,000 bonus points at the moment so feel free to use this referral link.

These are the exact same points mentioned in the American Express Business Gold section above.

8) Marriott Bonvoy Brilliant American Express Card

Current Offer:

  • 100,000 bonus points after you spend $5,000 in the first 3 months
  • $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

Commentary:

First things first, note that the  bonus points are not the old Starpoints that you are used to. They are Marriott points now, which are significantly less valuable.

These points can be used to book Marrriott/Starwood 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 Luxry 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 SPG/Marriott property you would like to visit.

Finally, the SPG Luxury 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.

10a) Citibusiness AAdvantage Platinum Select World Elite MasterCard 

Current Offer:

  • 60,000 American Airlines miles after spending $3,000 in the first 3 months
  • 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
  • 10% of your redeemed miles back, up to 10,000 per year

(Full offer details can be found on our credit cards page)

Commentary:

60,000 is one of the higher public offers I have ever seen for this card, making it one of the better cobranded cards on the market right now. 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.

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

10b) Citi AAdvantage Platinum Select World Elite MasterCard 

Current Offer:

  • 50,000 American Airlines miles after spending $3,000 in the first 3 months
  • 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
  • 10% of your redeemed miles back, up to 10,000 per year

(Full offer details can be found on our credit cards page)

Commentary:

Same points and basically the same card as the business version above (with a lower bonus). Yes, you can get both.

11) Hilton Honors Ascend Card from American Express (Learn More)

Current Offer:

  • 125,000 Hilton Points after $2,000 spend in the first 3 months
  • Complimentary gold status with Hilton
  • 12x points on Hilton purchases, 6x at U.S. restaurants, supermarkets, and gas stations. 3x on everything else.

(Full offer details here: Learn More)

Note that you can get 150,000 bonus points with a personal referral link.

Commentary:

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.

I recently used Hilton points to book an award stay at the iconic Hotel Coronado in San Diego, CA

Note that there is also a business version of this card that offers 125,000 bonus points. You can learn more about that card here.

12) Hilton Honors American Express Aspire Card

Current Offer:

  • 150,000 Hilton Points after $4,000 spend in the first 3 months
  • Complimentary Diamond status with Hilton
  • 14x points on Hilton purchases, 7x at restaurants, flights booked with airlines, and select car rentals. 3x on everything else.

Commentary:

150,000 is as high a bonus as I have ever seen publicly on a Hilton card. Watch out though, this card has a large annual fee that is not waived for the first year.

Overall a decent card for Hilton fanatics, but not a great choice for the average person.

13) Barclaycard Arrival Plus World Elite MasterCard 

Current Offer:

  • 70,000 bonus miles (worth $700) after $5,000 spend in the first 90 days
  • Unlimited 2x miles on every purchase
  • Get 5% of your redeemed miles back

(Learn more by visiting our credit cards page)

Commentary:

Arrival Plus is back! After a short hiatus, then a modified re-launch, Arrival Plus is back to basically its original form.

Like the Capital One Venture (mentioned in a bit) these miles can be used to erase any travel purchase at a value of 1 cent per mile. Meaning the 70,000 mile bonus is worth $700 toward any type of travel.

One catch though, there is a $100 (10,000 point) minimum redemption amount. So don’t plan on using this to cover small travel expenses such as Ubers or taxis.

Overall a great card for the bonus, but your long term spend is better put on a card such as Chase Sapphire Preferred.

14) Capital One Spark Miles for Business (Learn More)

Current Offer:

  • 50,000 bonus miles (worth $500+) after you spend $5,000 in the first 3 months
  • An additional 150,000 bonus miles (worth $1,500) when you spend $50,000 in the first 6 months
  • 2 points per $1 on all purchases

(Full offer details here: Learn more)

Commentary:

Spark Miles falls back to earth in this month’s rankings as its massive 200,000 point bonus has ended. Still not a bad grab though.

Spark Miles is basically the business version of the Capital One Venture. The two cards earn the same exact points, though the Spark Miles card comes with a much higher signup bonus.

If you can hit the minimum spend this card is a must grab. 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.

15) Capital One Spark Cash for Business  (Learn More)

Image result for capital one spark business

Current Offer:

  • $500 cash back you spend $5,000 in the first 3 months
  • An additional $1,500 cash back when you spend $50,000 in the first 6 months
  • 2 points per $1 on all purchases

(Full offer details here: Learn more)

Commentary:

Spark Cash also falls significantly this month due to a large reduction in the bonus offer. But $500 is still $500.

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.

16) Capital One Savor Card  (Learn More)

Current Offer:

  • $500 cash back once you spend $3,000 in the first 3 months
  • Unlimited 4% back on dining, 2% on groceries, 1% on everything else

(Full offer details here: Learn more)

Commentary:

This is a brand new card from Capital One that just launched early this fall!

The $500 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: Learn more)

Other cards to consider:

Bank of America Premium Rewards Credit Card: 50,000 bonus points after spending $3,000 in the first 3 months. $95 annual fee not waived first year. $100 annual travel credit for airline incidentals. The points can be redeemed at 1 cent each for statement credits so 50,000 = $500 in value.

JetBlue Plus Card: 40,000 bonus points after $1,000 in purchases in the first 90 days. This card is issued by Barclays and is a good grab for anyone living near an airport serviced by JetBlue.

Alaska Airlines Card: 30,000 bonus miles after $1,000 spend in the first 3 months. Annual free companion fare, paying just taxes and fees.

As always, feel free to email me (Bryce@10xtravel.com) with any questions or if you need help choosing a card!

Happy Travels,

Bryce

Chase Sapphire Preferred

New to the world of points and miles? The Chase Sapphire Preferred is the best card to start with. With a bonus of 50,000 points after $4,000 spend in the first 3 months and 2x points on dining and travel, this card truly cannot be beat! 

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.

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