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Best Balance Transfer Cards of 2019
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Best Balance Transfer Cards of 2019

Disclosure: This post may contain references to products from our advertisers. We may receive compensation from products we link to. We appreciate your support. You can read our advertising disclosure here.

By: Bryce Conway

Hi Travel Junkies,

January is by far the worst month of the year for credit card debt because many people overspend during the holidays. For that reason, balance transfer cards take center stage. While these cards aren’t as exciting as travel rewards cards, they can help you save money on credit card interest in a pinch.

Rather than waxing poetically about the virtues of balance transfer cards and what they can do for you, I’m just going to dive right in and talk about what you need to know with none of the fluff. Let me know what you think about this writing style in the comments or with a quick email.

Best Balance Transfer Cards of 2019

Best balance transfer cards for 2019 take center stage again after overspending during the holidays to help you save on credit card interest.  The goal of a balance transfer card is to pay off your balance before the 0% period is up.

What Are Balance Transfer Cards?

Balance transfer cards are a type of credit card that allows you to transfer existing credit card debt to them, often giving you ~12-15 months of 0% interest.

There really is no catch to them. Once the 0% interest period is up their rates will be a little higher than most other cards, but not dramatically so.

The goal of a balance transfer card is to pay off your balance before the 0% period is up. Many people don’t do this, which is why these products exist.

Balance transfer cards are a powerful tool to eliminate credit card debt, but dangerous when used to simply defer the problem.

Here’s how to choose one.

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starwood preferred guest spg credit card review
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Starwood Preferred Guest (SPG) Credit Card Review

Disclosure: This post may contain references to products from our advertisers. We may receive compensation from products we link to. We appreciate your support. You can read our advertising disclosure here.

By: Caroline Lupini

The Starwood Preferred Guest Credit Card from American Express has long been a favorite amongst travelers. But with the Starwood and Marriott merger, is it still worth your time?

The Marriott rewards program brought over much of the good of the classic SPG program, like its broad range of transfer partners and transfer bonus. And thankfully, the SPG credit card was also updated with new features and benefits after the merger as well. Though, it’s definitely not all rainbows and unicorns.

In this article, we’ll run through the new SPG credit card’s features, enhancements, and discuss whether or not the card deserves a place in your wallet.

Let’s get started!

Welcome Bonus

The Starwood Preferred Guest Amex credit card currently has a 75,000 Marriott point welcome bonus after spending at least $3,000 on purchases within the first three months of card membership.

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credit cards free checked bag
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Which Credit Cards Require You to Pay with Them for Free Checked Bags?

Disclosure: This post may contain references to products from our advertisers. We may receive compensation from products we link to. We appreciate your support. You can read our advertising disclosure here.

By: Anya Kartashova

With the introduction of bare-bones basic economy fares, panic has settled in among the traveling masses. Most budget fares do not offer a seat selection and make you board the aircraft last, which oftentimes leaves you with no room for luggage in the overhead bin. Your options are to place the bag underneath the seat in front of you or, if it’s too big, you’re forced to check it, which doesn’t come cheap.

Luckily, there are ways to avoid paying for a checked bag. Being an elite flyer is one of them. Flying in a premium cabin is another.

An alternative option?

Holding a co-branded credit card from an airline of your choice.

Typical perks include boarding a plane in an early group to get access to the oh-so-limited overhead space, yes, but also being able to check a bag at no extra cost. The benefit often even covers your travel companions.

So, which credit cards allow you to check a bag for free? And, more importantly, which credit cards require you to pay for the ticket with them to receive the benefit?


Alaska Airlines

Bank of America Alaska Airlines Visa Credit Card

With the Bank of America Alaska card, you and up to six travel companions are able to save on baggage fees. Most domestic airlines have increased their bag fees from $25 to $30 for the first checked bag, but Alaska still charges $25. Your group can save up to $350 per round-trip reservation provided that everyone in the party checks a bag each way.

 Alaska Airlines - book ticket using credit card to get free baggage fee

When you book, simply make sure you attach your Mileage Plan number at the time of booking.

You’re not required to pay for the reservation with the Alaska co-branded credit card for the benefit to apply — this is key since cards such as the Chase Sapphire Reserve and Chase Sapphire Preferred provide trip delay coverage.

When you book, simply make sure you attach your Mileage Plan number at the time of booking. It takes about two to three weeks for the perk to activate once you open the card.

Alaska Airlines Visa Business Card from Bank of America

Same benefit as on the personal Alaska Airlines Visa Credit Card.

Alaska Airlines Visa Signature Card Earn 30,000 miles after you spend $1,000 in the first 90 days

American Airlines

Citi / AAdvantage Platinum Select World Elite MasterCard

Holding the Citi / AAdvantage Platinum Select World Elite MasterCard will allow you and up to four travel companions booked on the same reservation to check the first bag for free on domestic flights operated by American Airlines and its regional subsidiaries, such as American Eagle, Compass Airlines, ExpressJet Airlines, etc.

credit card to get free checked bag

Keep in mind that flights to the Caribbean don’t count as domestic, and you’ll be on the hook for a bag fee even if you’re a credit cardholder. Been there, done that.

American Airlines charges $30 for the first checked bag (for tickets issued after Sept. 21, 2018), so you’re looking at potentially saving $60 per person on a round-trip flight. If all four of your travel companions check a bag, you’ll save the group $300 on your entire trip.

The benefit applies to award travel as well. Not bad for a card that costs $99 annually (waived for the first year).

You don’t have to pay for the flights with your Citi / AAdvantage Platinum Select credit card, but the account must be open at least seven days before travel date.

Citi / AAdvantage Executive World Elite MasterCard

The Citi / AAdvantage Executive World Elite MasterCard has a similar baggage perk, except now you and eight of your companions are covered on the same trip as long as all of you were booked together. In this scenario, your Brady Bunch can save up to $540 on each round-trip.

Keep in mind that this premium credit card has a high annual fee of $450, but it more than makes up for it in other benefits, such as Admirals Club access and Global Entry / TSA Precheck enrollment fee. Continue Reading

points shopping online
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How to Maximize Points When Shopping Online

Disclosure: This post may contain references to products from our advertisers. We may receive compensation from products we link to. We appreciate your support. You can read our advertising disclosure here.

Hey Travel Junkies,

The holidays are my favorite time of the year to be involved in the 10xTravel points and miles community. I get to see people use points to see friends and family across the country or celebrating the holidays with a vacation.

Right now, many people are buying last minute gifts for loved ones, creating a great opportunity to meet minimum spends to get new bonuses. I just signed myself up for a few cards that will get me almost 500,000 points this holiday season from welcome bonuses. But, just because you’re getting bonuses doesn’t mean you should leave points on the table.

Unfortunately, there are very few cards that offer bonus points simply for “shopping online.” That means most of your spend will only be earning 1 or 2 points for every dollar spent. If you leave it at that, you’re missing out on a ton of points.

Let’s look at your online shopping strategy and how you can formulate it to get the most points when shopping online this holiday season and beyond.

points shopping online

This holiday season, many people are buying last minute gifts for loved ones, creating a great opportunity to meet minimum spends to get new bonuses.

Use the Right Card

The first thing to do to get the most points when shopping online is to use the right card. There’s a lot of award programs available, but let’s focus on the major transferable programs: Chase Ultimate Rewards, Citi ThankYou Points, American Express Membership Rewards, and Capital One Miles.

Ink Business Preferred Credit Card 80,000 Chase Ultimate Rewards Points after $5,000 spend in 3 monthsLearn More

To get the most points when shopping online, some cards are better than others. If you’re not working on a sign-up bonus, here are the best cards for each program:

  • Chase Freedom Unlimited or Chase Ink Unlimited
  • Citi AT&T Access Card
  • American Express Blue Business Plus Credit Card
  • Capital One Spark Miles Credit Card
  • Capital One Venture Card
Chase Freedom Unlimited $150 cash bonus after $500 spend in 3 monthsLearn More
Ink Business Preferred Credit Card 80,000 Chase Ultimate Rewards Points after $5,000 spend in 3 monthsLearn More

If you want to earn Chase Ultimate Rewards, the Chase Freedom Unlimited and the Chase Ink Unlimited earn 1.5X points on every purchase.

The American Express Blue Business Plus Credit Card earns 2X Membership Rewards on the first $50,000 you spend every year, making it a great card for earning Membership Rewards points.

The Blue Business Plus Credit Card from American Express Earn 2x points on eligible purchases up to $50,000 annually, 1x on all else. Terms apply.(Learn more)

With either of the Capital One cards, you’ll earn 2X points per dollar on every purchase. The great thing about them is that there’s no cap – you’ll earn 2X points on all purchases you make throughout the year. You can transfer Venture or Spark Miles to various airline partners at a 2:1.5 ratio — this means you’re essentially earning 1.5X airline miles per dollar.

Capital One Spark Cash for Business $500 cash back after spending $5,000 in the first 3 months, an additional $1,500 cash back when you spend $50,000 in 6 monthsLearn More

The card on this list you’re probably the least familiar with is the Citi AT&T Access Card. If you’re looking to earn Citi ThankYou points, this should be a go-to card if you shop online.

The Citi AT&T Access Card is one of the only cards with a bonus category for online shopping. You’ll earn 2X ThankYou points for every dollar you spend online. While Citi doesn’t provide an official list of online merchants that will earn 2X, experience shows that popular sites such as Amazon, Best Buy, Target and Walmart are included. Just remember this is for online purchases only, not in-store purchases.

With these cards, you can be sure to earn more than 1X on all online purchases. All you have to do is decide what points you need to help you book your next trip.

Capital One Venture Rewards Credit Card 50,000 bonus miles (worth $500) after spending $3,000 in the first 3 monthsLearn More

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The American Express Business Gold - credit card review
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The American Express® Business Gold Card Review

Disclosure: This post may contain references to products from our advertisers. We may receive compensation from products we link to. We appreciate your support. You can read our advertising disclosure here.

By: Matt Brown

The American Express Business Gold Card is the newest business credit card from American Express. Launched in November 2018, it’s a newly introduced version of the former Business Gold Rewards Card that offers improved earning rates, new bonus categories and a unique new way for businesses to maximize bonus category spending.

Welcome Bonus

In a bit of a surprising move, the Amex Business Gold Card was launched with a welcome bonus that didn’t include Membership Rewards points, which is definitely a bit of a shock since the $295 annual fee isn’t waived the first year either.

(Though a 50,000 bonus point offer can be found via a personal referral link)

Instead, the American Express Business Gold Card includes the following as the bonus:

  • Up to 1 year free of Google’s G Suite Basic – for up to 3 users ( $180 value)
  • Up to 1 year free of ZipRecruiter Standard

These benefits are offered in the form of statement credits, so you’ll have to sign up or change your billing information to your Amex Business Gold Card if you’re already a customer on these specific plans, in order to receive these benefits.

Shortly after the launch, American Express released a referral offer that includes a welcome bonus of 50,000 Membership Rewards points with a minimum spend of $5,000 in 3 months.

American Express Business Gold Card Earn 4x points on 2 select business categories. Terms Apply.Learn More

Bonus Categories

The new American Express Business Gold Card is unique in that it allows businesses to earn 4X Membership Rewards points per dollar on your two most used bonus categories each month. The spend in the remaining categories will earn 1X Membership Rewards point per dollar.

AMERICAN EXPRESS BUSINESS GOLD CARD - Bonus Categories

Under the previous Business Gold Rewards card, you had to select one of five categories to earn 3X Membership Rewards points per dollar and you were locked into that category for the entire year.

This new structure offers greatly enhanced opportunities, especially if you’re a business that spends heavily on more than 1 of the selected bonus categories.

The new Amex Business Gold Card also added U.S. restaurants as a sixth bonus category. This is a welcome addition and a great opportunity for those who regularly have lunch meetings.

These are the bonus categories:

  • Airfare purchased directly from airlines
  • U.S. purchases for advertising in select media (online, TV, radio)
  • U.S. purchases made directly from select technology providers of computer hardware, software, and cloud solutions
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants
  • U.S. purchases for shipping

Perhaps, the most convenient feature of the new Business Gold Card is that American Express automatically determines which categories are your top two for the month and awards Membership Rewards points accordingly.

If you have a business that spends heavily on one of these bonus categories, this is a great card for you since you get more flexibility in bonus earning options for your business spending. The bonus category spend does have a cap of $150,000 in combined purchases per calendar year.

 

American Express Business Gold Card - bonus category - technology providers

U.S. purchases made directly from select technology providers of computer hardware, software, and cloud solutions

Amex Offers

One of the biggest benefits behind most of the American Express cards is that they have access to Amex Offers. Amex Offers is a way for you to use targeted discounts for extra discounts and savings as well as to also earn extra Membership Rewards points at select merchants.

The available offers change regularly, so it’s always worth checking what might be available at select merchants as it can easily translate into hundreds or even thousands of dollars of savings annually — or tens of thousands of extra Membership Rewards points.

All you have to do is add the offers that you want to use to your American Express Business Gold Card and then use the card at that merchant and the offer will be applied to your account.

Screenshot 2018 10 25 22.05.23

Often, you’ll even find Amex Offers that overlap with the bonus categories for the Business Gold Card. In the screenshot above, if one of your top monthly 4X categories is shipping, not only would you be earning 4x Membership Rewards points for each dollar that you spend (up to $150,000), but you could also earn to 10% back on that first $1,000 in spend as well!

Membership Rewards: Transfer Partners And Rebate With Amex Travel

The Business Gold Rewards card earns Membership Rewards points. You can redeem these points in a number of ways, but in almost all cases the most lucrative ways to redeem them is by transferring them to any of American Express’ travel partners.

Airline Transfer Partners (transfer rate)Hotel Transfer Partners (transfer rate)
Aer Lingus AerClub (1:1)Choice Privileges (1:1)
AeroMexico Club Premier (1:1.6)Hilton Honors (1:2)
Air Canada Aeroplan (1:1)Marriott Rewards (1:1)
Air France KLM (1:1)
Alitalia Millemiglia (1:1)
ANA Mileage Club (1:1)
Asia Miles (1:1)
Avianca LifeMiles (1:1)
British Airways Executive Club (1:1)
Delta SkyMiles (1:1)
El Al Israel Frequent Flyer Club (1000:20)
Emirates Skywards Miles (1:1)
Etihad Guest (1:1)
Hawaiian Airlines HawaiianMiles (1:1)
Iberia Plus (1:1)
JetBlue TrueBlue (250:200)
Singapore Krisflyer (1:1)
Virgin Atlantic FlyingClub (1:1)

Along with earning and redeeming Membership Rewards points by transferring to partners, The Business Gold Card introduces its’ own version of a popular feature of the Business Platinum Card from American Express – the 25% airline rebate.

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.Learn More

If you book a flight with American Express Travel using Membership Rewards Points for first or business class airfare, or any class with your selected qualifying airline, you get 25% of those points back as a refund. It’s important to note that rebate only works if you book via American Express Travel, and don’t transfer your points to one of American Express’ numerous transfer partners.

American Express Membership Rewards points - Airline Transfer Partner - Etihad Airways

The Business Gold Rewards card earns Membership Rewards points.  Redeem Business Gold Membership Rewards points by transferring them to any of American Express’ travel partners.

With the rebate, select travel booked through American Express Travel will effectively be booked at the rate of 1.33 cents per point, instead of the standard 1 cent per point.

The Business Platinum Card from American Express offers a similar benefit, but it’s a 35% which comes out about 1.53 cents per point.

Final Thoughts

The Business Gold Card definitely has some big positives. Some of these positives that really stick out include:

  • 4x Membership Rewards points on two categories instead of just one bonus category
  • U.S. Restaurants as a sixth bonus category
  • Categories are no longer locked into an entire year and instead are determined by monthly spend
  • 25% Pay with Points rebate

On the negative side, it’s definitely disappointing to see a card with a $295 annual fee – that isn’t waived the first year like previously on the Business Gold Rewards Card – launched with no welcome bonus.

However, if your business can take advantage of the increased bonus category cap and bonus category flexibility, this card can help you earn tons of Membership Rewards points. All in all, it’s a good effort from American Express, we just wish they’d add a real welcome bonus.

American Express Business Gold Card Earn 4x points on 2 select business categories. Terms Apply.Learn More

Editor’s 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.

AMERICAN EXPRESS GOLD CARD FULL REVIEW
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American Express Gold Card: Full Review

Disclosure: This post may contain references to products from our advertisers. We may receive compensation from products we link to. We appreciate your support. You can read our advertising disclosure here.

By: Caroline Lupini

Credit cards that offer transferable point currencies are a great choice for many people who like to travel, and Amex just relaunched one of our long-time favorites!

American Express Gold Card Earn 35,000 points after you spend $2,000 in the first 3 months. Terms apply. Learn More by visiting our credit cards page

Previously called the Gold Premier Card from American Express, the American Express Gold Card has great benefits — including some fun new ones!

Here’s what you need to know about this refreshed credit card.

Content

American Express Gold Card Quick Stats
American Express Gold Card Perks

Should I Sign Up for This Card?
American Express Gold Card vs. Chase Sapphire Preferred
Bottom Line


American Express Gold Card Quick Stats

amex gold card full review - dining credit

The American Express Gold Card has gone from a somewhat standard travel credit card to a fantastic card for people who dine out in the U.S. restaurants.

The American Express Gold Card currently offers a welcome bonus of 25,000 Membership Rewards points after spending at least $2,000 within the first three months of account opening. As with most Amex products, the welcome bonus and minimum spend requirement often varies. With this card, we’ve seen offers as high as 50,000 points.

If you apply by January 9, 2019, you’ll also receive 20% back on dining purchases at US restaurants in the form of a statement credit, up to $100, for the first three months of card membership.

Here’s a quick rundown of the Amex Gold’s benefits:

  • 4X Membership Rewards per dollar spent at US restaurants
  • 4X Membership Rewards per dollar spent at US supermarkets (up to $25,000 per calendar year), then 1x
  • 3X Membership Rewards per dollar spent on airfare purchased directly from the airline
  • 1X Membership Rewards per dollar spent on all other purchases
  • $120 Annual Dining Credit
  • $100 Annual Airline Fee Credit
  • $250 Annual Fee

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Blog, Success Stories

Reader Success Story: A $17,000 Adventure to the South Africa Using Points and Miles

Disclosure: This post may contain references to products from our advertisers. We may receive compensation from products we link to. We appreciate your support. You can read our advertising disclosure here.

By: 10xT Reader Alycia Moore

A $17,000 Adventure to the South Africa (with a stop in the Netherlands) using points and miles.

Every May, my boyfriend and I take a trip abroad to celebrate our anniversary. We’ve traveled to Vancouver, taken a road trip across Europe and explored Denmark. This year, we took it to a new level and visited South Africa.

The one thing that differed this year from past years is we did it for insanely cheap. We paid only $1,700 for a trip that could have cost over $17,000!

How? Points and miles, of course!

I’ve spent the last year learning about points and how to best utilize credit cards to travel. We had gotten spoiled when my boyfriend worked for an airline and had flown First Class many times together. Once he quit his job – we were back to paying for flights in an economy (boo!!) and then I found travel hacking.

Here’s a recap of our amazing trip

South Africa using points and miles | Itinerary, Expenses and Miles and Points Used

“The one thing that differed this year from past years is we did it for insanely cheap. We paid only $1,700 for a trip that could have cost over $17,000! How? Points and miles, of course!” – Alycia Moore

We had very specific dates we could travel as I’m a wedding photographer and I needed to return to the states to shoot a wedding.

For the first leg, we booked economy tickets on United from San Francisco (SFO) to Amsterdam (AMS) for about $400 each.

From there, we used 220,000 Chase Ultimate Rewards points to fly round-trip from Amsterdam to Cape Town (CPT) — about a 12-hour flight. We transferred our Ultimate Rewards points to Korean Air SkyPass to book KLM business class.

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How to Fly Around the World Using Singapore KrisFlyer Miles
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How to Fly Around the World Using Singapore KrisFlyer Miles

Disclosure: This post may contain references to products from our advertisers. We may receive compensation from products we link to. We appreciate your support. You can read our advertising disclosure here.

By: Anya Kartashova

Have you ever wanted to book a round-the-world (RTW) trip but didn’t know where to begin?

Did you know that it’s possible to book such an extravagant journey with just one award ticket? Although many frequent-flyer programs have done away with RTW awards, it’s still possible.

One of the few programs that still allow you to book these fun awards is Singapore Airlines KrisFlyer.

Let’s take a look at how you can book a RTW award with Singapore KrisFlyer miles!

HOW TO FLY AROUND THE WORLD USING SINGAPORE KRISFLYER MILES

You can transfer points to Singapore KrisFlyer from all major transferable points programs: American Express Membership Rewards, Chase Ultimate Rewards and Citi ThankYou Points. Each of these programs transfers points at a 1:1 ratio.

Why Singapore KrisFlyer Miles?

There are two reasons you might want to book with KrisFlyer miles:

  1. Reasonable redemption rates for round-the-world tickets
  2. Ease of accumulation

If you’re thinking, “But wait! I don’t have any Singapore miles,” do not fret. They’re much simpler to obtain than you think, especially if you prefer collecting transferrable points.

You can transfer points to Singapore KrisFlyer from all major transferable points programs: American Express Membership Rewards, Chase Ultimate Rewards and Citi ThankYou Points. Each of these programs transfers points at a 1:1 ratio.

Marriott Rewards points can also be transferred to Singapore KrisFlyer as well at a 3:1 ratio Additionally, every 60,000 points you transfer at once will provide a bonus of 5,000 miles. In other words, 60,000 Marriott points will net you 25,000 KrisFlyer miles.

Marriott Rewards Premier Plus Credit Card Earn 75,000 bonus points after you spend $3,000 in the first 3 monthsLearn More

It’s even possible to redeem miles for another traveler, which means you can book both tickets from the same account and share this unforgettable experience.

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ANA First Class Review IAH to NRT
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Flight Review: ANA First Class from Houston (IAH) to Tokyo (NRT)

Disclosure: This post may contain references to products from our advertisers. We may receive compensation from products we link to. We appreciate your support. You can read our advertising disclosure here.

By: Bryce Conway, Founder of 10xTravel

Hi Travel Junkies,

I just got back from a 10 day trip to Japan that featured a round-trip flight on ANA in its legendary first class product.

This was not my first experience flying ANA, though my previous trips had all been in economy. So, saying that I had any idea what I was in for would be like saying I know what to expect at STK because I have previously indulged in a steak nachos box at Taco Bell.

Anyway, the flight was awesome and today I am going to take you through the whole experience.

Let’s get to it.

Booking

I booked my First Class flight on ANA using the only strategy that anyone in the points/miles world really ever should when booking this flight; by transferring points and booking through Virgin Atlantic.

Virgin Atlantic uses a zone-based award chart for flights on ANA that requires just 110,000-120,000 miles round-trip for first class flights on ANA between the US and Japan.

This is about half of what many other airlines would charge for the same flight, making it one of the better sweet spots in all of points/miles.

For most folks the booking process is relatively easy.

  1. Find first class saver space on United.com from the USA (select airports only) to Tokyo (Narita only) on a flight operated by ANA. Must be a round-trip booking, though you can return to a different US airport than the one you departed from.
  2. Call Virgin Atlantic and give them the flight information from #1. Ask them to put a 24 hour hold on the reservation.
  3. Transfer the required points from Chase Ultimate Rewards, Amex Membership Rewards, Citi ThankYou Points, Marriott, or any combination of the four to Virgin Atlantic.
  4. Log in to your Virgin Atlantic account to confirm that the transfer is complete, then call Virgin again to finalize the booking

Though, I was only able to do this after going through one of the craziest booking processes I have experienced since starting in this world 7+ years ago.

Here’s the tl;dr: Continue Reading

Best Credit Cards 2018 | Top Credit Card Offers November 2018
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Best Credit Cards: November 2018

Disclosure: This post may contain references to products from our advertisers. We may receive compensation from products we link to. We appreciate your support. You can read our advertising disclosure here.

By: Bryce Conway – Founder of 10xTravel.com

Every month I share a post with 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 November 2018.

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.best credit cards 2018 | Top Credit Card Offers November 2018

Really only a couple of changes this month and plenty of cards to choose from.

If you’ve ever watched the NFL Draft before, consider this list my version of “Todd’s Big Board”. It’s simply the best overall cards available without regard to a specific points/miles need.

I also 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) 

And finally, I added a list of the cards to the beginning of the post for easier reading. You can simply click on “the list” or “the details” below to read more about each card.

As always, feel free to email me with questions (Bryce@10xTravel.com) about your own situation and I would be happy to help you select the best card for you.

Under 5/24:

The List

The Details

Over 5/24:

The List

The Details

Best Credit Cards Under 5/24

 

 

Best Credit Cards Over 5/24

The Details: Best CardsUnder 5/24

 

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

(Full offer details here: Learn More )

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