Top Credit Card Offers

These are the Top Credit Card Offers on the Market Right Now.

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Travel Rewards Credit Cards

These are the top credit card offers for October 2020.

Each month the 10xT team discusses what we believe to be the best credit card offers on the market. Below you will find some of our favorites for October 2020.

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We also rank these offers for you in our monthly card rankings.

View Monthly Card Rankings

As always, feel free to email me ([email protected]) with any questions you may have!


Chase Sapphire Preferred Card

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


10xT Thoughts

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

Chase Ink Business Preferred SM Credit Card

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


10xT Thoughts

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

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.

Capital One® Venture® Rewards Credit Card

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


10xT Thoughts

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

Chase Ink Business Cash Credit Card

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


10xT Thoughts

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

Chase Ink Business Unlimited Credit Card

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


10xT Thoughts

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

Chase Freedom Flex

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


10xT Thoughts

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

Southwest Rapid Rewards Performance Business Card

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


10xT Thoughts

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

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.

United Business Card

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


10xT Thoughts

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

Marriott Bonvoy Boundless Credit Card

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


10xT Thoughts

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

The Business Platinum Card® from American Express

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


10xT Thoughts

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

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.

American Express Gold Card

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


10xT Thoughts

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

American Express Business Gold Card

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


10xT Thoughts

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

Southwest Rapid Rewards® Plus Credit Card

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


10xT Thoughts

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

Southwest Rapid Rewards® Premier Credit Card

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


10xT Thoughts

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

Southwest Rapid Rewards® Priority Credit Card

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


10xT Thoughts

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

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.

Delta SkyMiles Platinum American Express Card

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


10xT Thoughts

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

Delta SkyMiles Gold American Express Card

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


10xT Thoughts

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

Delta SkyMiles Gold Business American Express Card

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


10xT Thoughts

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

Delta SkyMiles Blue American Express Card

10,000 miles after $500 spend in the first 3 months


10xT Thoughts

This is the no-fee version of Delta's co-brand cards with American Express. Fewer perks and a lower bonus but a good option for anyone who is not looking to pay an annual fee on a card.

Delta SkyMiles Reserve American Express Card

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


10xT Thoughts

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

Marriott Bonvoy Business American Express Card

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


10xT Thoughts

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

The World of Hyatt Credit Card

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


10xT Thoughts

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

AAdvantage Aviator Red World Elite MasterCard

60,000 AAdvantage miles after first purchase


10xT Thoughts

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

Citi / AAdvantage Platinum Select World Elite Mastercard

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


10xT Thoughts

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

CitiBusiness / AAdvantage Platinum Select Elite MasterCard

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


10xT Thoughts

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

Citi / AAdvantage Executive World Elite Mastercard

50,000 miles after $5,000 spend in 3 months


10xT Thoughts

This is the premium American Airlines co-brand card, with a hefty $450 annual fee but many of the usual high-end perks to justify it. A very popular choice for its Admiral Club membership

Hilton Honors American Express Surpass Card

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


10xT Thoughts

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

Hilton Honors American Express Aspire Card

Earn 150,000 Hilton points after $4,000 spend in the first 3 months.


10xT Thoughts

A great choice for frequent Hilton customers thanks to the 14x points at Hilton properties, Hilton Diamond Status, resort credits and more. Note that this card has a $450 annual fee though.

IHG Rewards Club Premier Credit Card

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


10xT Thoughts

The IHG Rewards Club Premier Credit Card is now 125,000 bonus points, which is significantly higher than what we have seen in the recent past. 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.

IHG Rewards Club Traveler Credit Card

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


10xT Thoughts

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

British Airways Visa Signature Card

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


10xT Thoughts

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

United Gateway Card

20,000 bonus miles after $1,000 spend in the first 3 months


10xT Thoughts

A no-fee United branded card that is a decent choice for any loyal United travelers who are looking to avoid annual fees.

Capital One® VentureOne® Rewards Credit Card

20,000 bonus miles after $1,000 in 3 months


10xT Thoughts

This is the no-fee version of the popular Capital One Venture Card. Points are worth 1 cent each, making this bonus worth $200 toward travel. This card is ideal for those with lower monthly spending who can't justify paying an annual fee.

Chase Freedom Unlimited

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


10xT Thoughts

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

Citi Double Cash Card


10xT Thoughts

Widely regarded as one of the best cash back credit cards on the market for everyday spend, the Citi Double Cash earns 2% cash back. 1% when you buy, another 1% when you pay.

Citi Diamond Preferred Card

Generous 0% APR Intro Period


10xT Thoughts

A decent balance transfer card with a long 0% period but somewhat steep (5%) balance transfer fee. This card

Citi Rewards+ Card

15,000 bonus points after spending $1,000 within the first 3 months


10xT Thoughts

A good no-fee option with Citi, the Rewards+ Card earns ThankYou points that can be used for a variety of different redemptions including travel, gift cards, and shopping

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® Spark® Miles for Business

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


10xT Thoughts

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

Capital One® Quicksilver® Cash Rewards Credit Card

$200 bonus after $500 spend in the first 3 months


10xT Thoughts

A great choice for those who are brand new to credit cards, Capital One Quicksilver offers unlimited 1.5% cash back with no annual fee. For those asking "I've never had a credit card before, which one should I get to start building credit?" the answer is Quicksilver

The Blue Business Plus Credit Card from American Express

Earn up to $300 back: $100 in statement credits at each of Dell, DocuSign, or FedEx after you make a purchase on your card in the first 3 months


10xT Thoughts

A great everyday spender for business owners because of its 2x earning rate on all purchases up to $50,000 annually. Ideal for non category spending to fill in the "gaps" left by other popular business credit cards

Wells Fargo Cash Wise Visa

$150 after $500 spend in the first 3 months


10xT Thoughts

A flat 1.5% cash back card with no annual fee. Not a bad choice for anyone with a low monthly credit card spend who is looking to avoid paying an annual fee.

Wells Fargo Propel American Express Card

20,000 bonus points after $1,000 spend in 3 months


10xT Thoughts

A decent $0 annual fee card that earns 3x on dining, travel, and gas. Comes with a higher bonus than most no fee cards but overall lacks the perks that you will find with many premium competitors.

Iberia Visa Signature® Card

50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months, an additional 50,000 bonus Avios after you spend $20,000 within your first year


10xT Thoughts

This would be a typical airline co-brand card but the catch here is that it is associated with a foreign airline, so most people won't be able to take advantage of the usual perks such as free checked bags or priority boarding. Still worth grabbing at least for the bonus but the long term value might not stack up against other similar cards.

Aer Lingus Visa Signature® Card

50,000 Avios after you spend $3,000 in the first 3 months, another 50000 Avios after you spend $20,000 in the first year


10xT Thoughts

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.

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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