Monkey Miles Favorite Credit Cards: March 2023

Monkey Miles Favorite Credit Cards: March 2023

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How it Works

We break credit cards into two broad categories as if we were casting a TV Show: Main Cast and Supporting Cast.

  1. Main Cast are the stars of your wallet. They are for your everyday purchases.
  2. Supporting Cast cards assist and aid your wallet. They yield more perks than their annual fee. These are mainly hotel and airline cards.

Affiliate Link at Cardratings

4.9
4.9/5
If you’re looking to add a super premium card to your wallet without having to calculate whether you’re recouping the annual fee every year… this may very well be the best fit for you.   2x everywhere, lounge perks, and great travel partners make this a killer card

Welcome Offer

75k Capital One Miles after $4k in 3 months

Annual Fee

      $395

Points Earned

Transferrable Capital One Miles

The Capital One Venture X offers 2x points on every single purchase you make, a $300 travel credit when booking in Capital One Travel, 10k Miles every year you keep the card ( worth a minimum of $100 in portal ), Priority Pass, Cap1 Lounge Access + when booking via the Capital One Travel Portal you’ll earn 10x hotels and car rentals + 5x flights. 

The travel credit and 10k anniversary bonus alone recoup the $395 annual fee and they have a great list of transfer partners. 

It’s an absolutely killer offer from Capital One.

  • 2x on every single purchase without limit
    • 10x hotels and rentals cars in Capital One Travel Portal
    • 5x flights in Capital One Travel Portal
  • $300 Annual Travel Credit within the Capital One Travel Portal
  • 10k bonus miles after each anniversary
  • Lounge access
    • Capital One Lounge Access
      • 1 location currently and 2 more scheduled for 2022
      • 2 guests allowed and $45 for every guest after that
      • Authorized Users get access as well
        • Add 4 Authorized Users free of charge
    • Priority Pass Select access
    • Unlimited complimentary access for you and two guests to 1,400+ lounges, including Plaza Premium lounges
  • $100 TSA PreCheck or Global Entry credit
  • Complimentary Cell Phone Insurance
  • Hertz President’s Circle Status
  • No fee for up to 4 authorized users
  • $395 Annual Fee

The best ever offer was 100k after $10k spend in 6 months when the card first debuted, but 75k has been the offer ever since.

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

Affiliate link via CardRatings

4.8
4.8/5

The Chase Sapphire Preferred is a great starter card that earns Premium Ultimate Rewards that can be transferred into over a dozen partners many of which are US based. 

Welcome Offer

60k Points after $4k spend in 3 months

80k offer in branch currently – I think this should be online soon

Annual Fee

$95

Points Earned

Transferrable Chase Ultimate Rewards

Super solid welcome offer.

If you carry this card alongside Chase’s cashback cards like the Chase Freedom Flex℠and Chase Freedom Unlimited® or the business versions: Ink Business Cash , Ink Business Unlimited you can combine the points into Preferred account and transfer into hotel and airline partners

Annual fee is quite low at $95 a year + you get a 10% anniversary bonus on points + $50 hotel credit in Chase travel.

  • 3x on dining
    •  including eligible delivery services for takeout
  • 3x on select streaming services
  • 3x on online grocery purchases
    • (excluding Target, Walmart and wholesale clubs)
  • 5x on all travel purchased through Chase Ultimate Rewards – Chase Travel Portal
  • $50 Annual Credit on hotel stays purchased via Ultimate Rewards/Chase Travel
    • The begins immediately for new cardmembers and after your account anniversary for existing cardmembers
  • 10% Anniversary Bonus
    • Every year you keep the card, your total spend will yield a 10% points bonus. If you spend $10k in a year, you’ll get 1k bonus points
  • Chase Sapphire Preferred® continues to redeem at 1.25c in the Chase Travel Portal and the slew of other benefits remain in tact including primary rental car insurance, purchase protections, etc.
  • Points are transferrable to 13 Ultimate Rewards partners
  • Redeem in the Chase Travel center for 1.25 cents per point
  • No foreign transaction fees
  • Suite of Travel and Purchase Coverage
    • Primary rental car coverage is my favorite

There is currently an 80k offer after $4k spend in 3 months available in branch, and up to 90k after $6k spend in 6 months. I suspect some version of this will be online soon if you don’t want the hassle of going into a branch.

We keep an up to date spreadsheet that lists the best ever offers: You can find that spreadsheet here.

Historically 60k is a very, very good offer. In 2021, we saw the offer hit an all time high of 100k. Who knows if that will ever come back. .

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

Affiliate link at Cardratings

4.8
4.8/5

This may be the most underrated credit card in the market. If you’re looking for a card that will earn bonus points across many of the categories you spend the most money on…this may be it. You’ll earn 3x points on Air Travel, Hotel, Supermarkets, Dining, and Gas.

Welcome Offer

60k after $4k spend in 3 months

Annual Fee

      $95

Points Earned

Transferrable Citi Thank You points

There isn’t another card on the market that earns 3x points on Air Travel, Hotel, Supermarkets, Dining, and Gas for $95 and has transferrable points

Speaking of transfer partners, it has a great list of air and hotel partners that fills in some gaps if you already have Amex or Chase cards in your wallet. 

It has access to smaller programs like EVA and Turkish which opens up great business class opportunities to Europe and Asia. It also has a 1:2 transfer ratio to Choice which is great for using points at Preferred Hotels.

The only downside to the card is it doesn’t have many US parter programs like Amex, Bilt, or Chase. 

  • 3x points on
    • Air Travel
    • Hotel
    • Supermarkets
    • Dining
    • Gas
  • Access to Mastercard World Elite benefits
  • No foreign Transaction fees
  • $95 annual fee

We have seen the offer pop up to $80k after $4k spend in 3 months in the past.

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

My Referral Link

I’m a Senior Advisor and Investor in the Company

4.9
4.9/5

The Bilt Rewards Mastercard is the only card that earns points on Rent without any fees. It’s the only 1:1 program where you can transfer points to both American and United!

A complete no brainer for renters in the USA

Welcome Offer

None

Annual Fee

$0

Points Earned

Bilt Rewards

Finally you can earn points on one of your biggest monthly expenses, RENT, without any processing fees. Just make sure you make 5 non-rent transactions every month, no minimum purchase, to earn points.

Bilt Rewards has a great list of transfer partners and will mail your landlord a check, process via ACH, Paypal, or Venmo. 

Bilt “Rent Day” 

  • on the first of every month, all non-rent expenses earn double points. 
  • 0 Annual fee
  • 1x on rent
  • 2x on travel
    • booked direct with airlines, hotels, cruises, or car rentals
  • 3x on dining
    • this includes delivery like Grubhub, Uber Eats, etc
  • Transfer points 1:1 to over a dozen partners, including American, United, and Hyatt
  • Redeem points for Rent, Mortgage Downpayment, Amazon
  • Redeem at 1.25c in the Bilt Rewards Travel Center (powered by Expedia)
  • Mastercard World Elite benefits
    • Mobile Phone Insurance
    • Primary Rental Car Coverage

Some people have received targeted 10k sign up bonuses, but those are few and far between

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

American Express® Gold Card

4.8
4.8/5

This is point earning powerhouse. Amex Gold Earns 4x on worldwide dining and US Supermarkets ( up to $25k ) making it one of the best for those categories on the market. 

I’ve had this card since 2018 and it gets a ton of swipes 

Welcome Offer

Up to 90k + $200 after $4k spend in 6 months

Annual Fee

$250 (Rates and fees)

Points Earned

Transferrable American Express Membership Rewards 

American Express revamped their Gold card in 2018 and we named it THE MOST compelling card of the year

I’d argue it’s still one the most compelling card in 2023 as well. Earning 4x points on dining, 4x on US supermarkets ( up to $25k ), 3x points on airfare purchased via Amex Travel and directly with airlines, 

$10 monthly dining credit at select restaurants (enrollment required)$10 monthly credit on Uber/Uber Eats (enrollment required), let’s just say my Amex Gold card gets a ton of swipes every month. 

The Amex Gold card also earns Membership Rewards and I love using their points to transfer to programs like Aeroplan, Singapore Airlines, Air France, Emirates, Avianca, Qantas, and many, many more to access those super fancy cabins everyone loves. This is one of the absolute workhorses of my wallet.

  • Annual Fee is $250 (Rates and fees)
  • 4x points at restaurants
  • 4x points at US supermarkets ( up to $25k a year )
  • 3x points on flights purchased directly with the airline or Amex Travel
  • $10 per month Uber credit valid in US only (enrollment required)
  • $120 Dining Credit at select restaurants (enrollment required)
    •  Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. 
  • No Foreign Transaction Fees
  • 1x everywhere else
  • Access to The Hotel Collection

 The best ever public has been 90k after $4k spend in 6 months + the $250 dining credit ( this was on Resy ); however, some people have gotten targeted 100k offers, but those are extremely rare.

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

 

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

Reader Referral: 150k + $200 statement credit after $6k spend in 6 months

Via Resy: 100k after $6k spend in 6 months + 10x Dining (up to $25k max in 6 months)

American Express Platinum Card®

4.7
4.7/5

The American Express Platinum Card is a heavy hitter, and not just because it’s made of metal.

This is a card I carry and is jam packed with benefits including lounge access, VIP travel benefits, and a ton of statement credits.

Welcome Offer

Up to 150k + $200 statement credit after $6k spend in 6 months 

Annual Fee

$695 rates and fees

Points Earned

Transferrable American Express Membership Rewards

 

A card we carry and love. The American Express Platinum Card is chalk full of benefits

You’ll also have access to Priority Pass lounges (enrollment required), Amex’s own uber lux Centurion Clubs, earn 5x points on airfare purchased directly with the airlines or Amex Travel, access to Amex’s own Fine Hotels and Resorts program for upgrades, breakfast, and credits, earn $15 a month in Uber credits (enrollment required), and their Membership Rewards are some of the best points you can possibly earn.

I love using their points to transfer to programs like Aeroplan, Singapore Airlines, Air France, Emirates, Avianca, Qantas, and many, many more.

  • $695 annual fee (Rates and Fees)
  • $200 Hotel credit
    • You must pre-book via Amex FHR or The Hotel Collection, which requires a two night minimum stay, via Amex Travel
  • $200 Uber Cash yearly credit  (enrollment required )
    • $15 a month towards Uber, $35 in December, must link your account
  • $300 Equinox credit (enrollment required )
  • $240 Digital Entertainment Credit (enrollment required )
    • Get up to $20 per month at Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times.
  • $189 Clear credit (enrollment required )
  • $200 airline incidental credit (enrollment required )
  • $100 global entry or $85 TSA Pre credit (enrollment required )
  • $12.95 + tax / month Walmart+ membership
    • Walmart+ members receive unlimited free shipping with no order minimum on items shipped by Walmart.com, free delivery from stores, as well as mobile and contactless check-out to make shopping faster.
  • $25 Soul Cycle monthly credit
    • Platinum Card Members will receive a $300 statement credit every time they purchase a SoulCycle At-Home Bike, up to 15x per calendar year.
    • An Equinox+ membership is required to purchase a SoulCycle at-home bike and access SoulCycle content.
    • Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only.
    • This stacks on top of the $25/month Equinox+ statement credit.
  • Centurion lounge access
  • Priority Pass select membership (enrollment required )
  • Rental Car Status
    • Hertz President’s Circle
    • Avis Preferred Plus
    • National Executive
  • Access to American Express Fine Hotels and Resorts, The Hotel Collection
  • 5x on airfare purchased via Amex Travel or with your selected airline
  • Terms Apply

150k after $6k spend in 6 months along with 15x worldwide dining ( up to $25k ) was the best we ever have seen publicly through Resy. However, the 150k referral without the dining is pretty hard to beat imo.

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Affiliate link via Card Ratings

Chase Sapphire Reserve®

4.6
4.6/5

The Chase Sapphire Reserve® is the grandaddy of all Chase cards. It’s a super premium card that comes with a bevy of benefits, travel credits, increased earn rates, and points worth 1.5c in Chase Travel.

Welcome Offer

60,000 Points after $4k spend in 3 months

Annual Fee

$550

Points Earned

Transferrable Ultimate Rewards

 

The Chase Sapphire Reserve® has perks like a $300 annual travel credit, full Priority Pass membership with access to great lounges + restaurants all around the world for you and 2 guests, 3x points on dining and travel worldwide, and points that are worth 1.5c in the Chase Travel Center. 

If you carry this card alongside Chase’s cashback cards like the Chase Freedom Flex℠and Chase Freedom Unlimited® or the business versions: Ink Business Cash , Ink Business Unlimited you can combine the points into Preferred account and transfer into hotel and airline partners.

Personally, I think the Chase Sapphire Preferred® may offer more value for the annual fee, and if you want the super premium benefits, take a look at the Capital One Venture X to pair with it.

  • 60k Ultimate Rewards after $4k spend in 3 months
    • Worth at least $1200 in the Ultimate Rewards travel portal or via Pay Yourself Back
    • In Monkey Miles’ opinion, worth even more transferring to partners
  • 1.5c valuation for Ultimate Rewards in portal
    • Or via Pay Yourself back categories which rotate
  • $550 Annual Fee
  • $300 Annual Travel Credit
    • Each anniversary Year
  • 3x Dining
  • 3x Travel
    • hotels, car rentals, flights
  •  Ultimate Rewards Portal earn rates:
    • Travel:
      • 10x on Hotels and Car Rentals
      • 5x on Flights total points on flights when you purchase travel through Chase Ultimate Rewards
    • Dining
      • 10x on Dining Purchases made via Ultimate Rewards portal
  • Chase Sapphire lounge access once they are open
  • Priority Pass membership with dining access for 2 guests
  • $100 application fee credit every four years for
    • Global Entry,
    • NEXUS,
    • or TSA PreCheck(R)
  • Free Instacart+ for one year.
    • Instacart+ members earn up to $15 in statement credits each month through July 2024.
  • Free DashPass (DoorDash and Caviar) for one year
    • activate by December 31, 2024.
  • GoPuff: $10/month statement credit
    • expires 12/31/23
  • No Fx fees
  • Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more

When the  Chase Sapphire Reserve® first hit the market in 2016 it had a 100k offer, but the highest in recent years has been 80k after $4k spend in 3 months.

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

*Reader Referral

Chase Freedom Flex(SM)

4.8
4.8/5

The Chase Freedom Flex(SM) is an all out beast of card. Hands down, it’s one of the best on the market and offers a rotating 5x category bonus that allows helps you earn a ton of points. 

Make sure you pair this card with a Chase Sapphire Preferred®, Chase Sapphire Reserve® or Chase Ink Business Preferred® for max value

Welcome Offer

$200 or 20k Ultimate Rewards + 5x on Grocery Stores for 12 months (capped at $12k ) 

Note this is a non-affiliate reader referral offer

Annual Fee

$0

Points Earned

Cash Back or non-transferrable Ultimate Rewards unless paired with a premium Chase card

 

When you carry a Chase Sapphire Preferred® or Chase Sapphire Reserve®, the The Chase Freedom Flex (SM) works exceptionally well in tandem.

It gives you the ability to earn 5x on rotating category bonuses each quarter which really expands your ability to earn points faster. 

The base rate on the card is 1x though, so I’d recommend using this for the rotating category bonuses, but using a card that earns 1.5x or 2x for all your non-bonus spend. Like a Capital One Venture X, Venture Rewards, or Chase Freedom Unlimited

 

    • No Annual Fee
    • Earn $200 or 20k Ultimate Rewards after $500 spend in 3 months + see below
      • *reader referral offer has an extra 5x category (fluctuates between gas and grocery stores for 6 months, capped at $12000 )
    • 5x on Bonus Quarterly Categories – each quarter members can activate a 5x category bonus on purchases up to $1500 per quarter on the selected categories
    • 5x on Travel purchased through Chase Travel
    • 3x on Dining  including take out/eligible delivery services.
    • 3x on Drugstore
    • 1x unlimited cash back on all other purchases.
    • 0% interest for 15 month on new purchases

     

  • Additionally, you’ll get World Elite Mastercard benefits, including

    • Mobile Phone Insurance – Up to $800 per claim and $1,000 per year on mobile phone protection
      • theft and damage on users listed on the phone bill paid by the cardholder
    • Lyft  $10 in credit for every five rides taken in a calendar month
      • This gets applied to the next ride
      • 1x per month
    • ShopRunner – free membership
      • 2 day shipping at over 100 stores
    • Fandango  2x VIP+ points on movie tickets bought on the Fandango app or Fandango.com

The best offer we’ve consistently seen is via reader referral= $200 after $500 spend in 3 months + an additional 5x category for 12 months

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

Affiliate via CardRatings

Reader Referral

Chase Freedom Unlimited®

4.8
4.8/5

The Chase Freedom Unlimited® is a no annual fee card that earns an unlimited 1.5x on all purchases and is a great everyday card in the USA.

It’s a fantastic card for those who prefer cash-back, OR to pair with either the Chase Sapphire Preferred® or Chase Sapphire Reserve®. 

Welcome Offer

See Card Benefits

Annual Fee

$0

Points Earned

Cashback/ Non-transferrable Ultimate Rewards

Everyone needs a credit card that earns more than 1 point per dollar. The Chase Freedom Unlimited® earns an unlimited 1.5x on all purchases  + has bonus categories for dining, pharmacies, and travel. 

Points that you earn from this card can be combined with those from a Chase Sapphire Preferred®, Chase Sapphire Reserve® or Chase Ink Business Preferred® and then transferred to partner programs. You can read more about that here.

CardRatings ( affiliate offer )

  • Earn an extra 1.5x on all categories, up to $20k, in the first 12 months of new cardmembership

 

Reader Referral Offer

  • Earn $200 ( 20k Ultimate Rewards ) after $500 spend in 3 months + 5x on grocery stores for 12 months ( capped at $12k total spend )

 

  • No Annual Fee
  • 5x on Travel booked through Chase Travel
  • 3x at Dining 
  • 3x Pharmacies
  • 1.5% or 1.5x points on every purchase

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

Affiliate via CardRatings

Capital One® Venture® Rewards Credit Card

4.6
4.6/5

The Capital One® Venture® Rewards credit card is a fantastic go-to that earns 2x everywhere. It’s simple, straight forward, and earns great points.

Welcome Offer

75k Miles after $4k in 3 months

Annual Fee

$95

Points Earned

Transferrable Capital One Miles

 

Every wallet needs a card that you use when you can’t get a big category bonus. You know, the every day card. And that is where the The Capital One® Venture® Rewards credit card shines.

Earn unlimited 2x Capital One Miles on every single dollar you spend and have the ability to transfer them to 17 partners. There are some fringe benefits as well like Global Entry/TSA Pre credit every 4 years, travel protections, and limited lounge access.

Personally, I carry the Capital One Venture X, but this is a great card for a lower annual fee.

  • 75k welcome bonus after spending $4k in 3 months
  • 2x miles on every purchase
  • up to a $100 credit for Global Entry and TSA Pre
  • Earn 5X miles
    • on hotels booked via Capital One Travel
    • rental cars booked via Capital One Travel
    • on Turo rentals through 5/16/23
  • Enjoy two complimentary visits per year to Capital One Lounges or
    • to 100+ Plaza Premium Lounges through our Partner Lounge Network
  • Transfer miles to 17+ partners
  • $95 annual fee

There have been 100k offers that require $20k spend over 12 months, but personally I think the 75k offer is more attractive and allows you to allocate that spend elsewhere.

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

Affiliate via CardRatings

Chase Ink Business Preferred® Credit Card

4.9
4.9/5

The Chase Ink Business Preferred® is one of my favorite small business credit cards that earns 3x on travel, cable, phone, and social media marketing.

Add in mobile phone insurance and you’ve got a killer card that earns transferrable Ultimate Rewards for $95 a year.

Welcome Offer

100k points after $15k spend in 3 months

Annual Fee

$95

Points Earned

Transferrable Ultimate Rewards

 

The Chase Ink Business Preferred® can serve as the premium Chase card in your wallet that you can merge your points into to make them transferrable. 

It earns 3x on travel, cable, your phone bill, and if you do an social media marketing, you’ll get 3x there as well.

 It also comes with competitive mobile phone insurance. I end up paying with this card quite often when I’m traveling for hotels, airfare, etc because the travel category is quite broad compared to other cards. It also has no foreign transaction fees. 

1) 100k point welcome bonus after $15k spend in 3 months

2) 3x on first $150k spent on 

      Travel

      Phone, Cable, Internet

      Social Media/Search advertising

      Shipping

3) 1x on all other purchases

4) Cell Phone Insurance

5) No Foreign Transaction fees

6) Add additional employee cards

7) Redeem at 1.25c for travel with Chase Travel

8) $95 annual fee

100k after $15k spend in 3 months is the highest we’ve ever seen

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

Affiliate link via CardRatings

Chase Ink Business Unlimited® Credit Card

4.9
4.9/5

The Chase Ink Business Unlimited® Credit Card is a no annual fee card that earns an unlimited 1.5x on every single purchase without cap. 

Welcome Offer

$750 (75k Ultimate Rewards) after spending $6k in 3 motnhs

Annual Fee

$0

Points Earned

Cashback in the form of Ultimate Rewards

A very good offer of 75k after $6k spend in 6 months and unlimited 1.5x on purchases.

I’d highly recommend pairing this card with a Chase premium card so you can combine points and transfer them.

  • Chase Ink Business Preferred® Credit Card
  • Chase Sapphire Reserve®
  • Chase Sapphire Preferred® Card
  • 1.5x everywhere
  • No Annual fee
  • Cashback can be combined with a Premium Chase card and then transferred to partners.

90k is the best offer we’ve seen on this card with a $6k spend requirement in 3 months.

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

Affiliate at CardRatings

Chase Ink Business Cash® Credit Card

4.9
4.9/5

The Chase Ink Business Cash has no annual fee, gives you access to some great 5x bonus categories, and has a stunning welcome offer

Welcome Offer

$750 ( 75k Ultimate Rewards ) after spending $6k in the first 3 months

Annual Fee

$0

Points Earned

Cash Back in the form of Ultimate Rewards.

 

The Chase Ink Business Cash® gives you the ability to earn 5x points on purchases at office supply stores, internet, cable, and phone services up to $25k total a year. That’s 125k points if maxed out.

I know a lot of businesses incentivize their employees with gift cards as contest prizes, when they hit sales, thresholds, sign a new lease, renew contracts, etc. Many Office Supply stores sell gift cards and this gives you the ability to earn 5x points on office supply purchases. Pretty awesome if you ask me.

Also, if you carry a I’d highly recommend pairing this card with a Chase premium card so you can combine points and transfer them.

  • Chase Ink Business Preferred® Credit Card
  • Chase Sapphire Reserve®
  • Chase Sapphire Preferred® Card
  • 5x Bonus points at
    • Office Supply stores
    • Internet, Cable, and Phone Services
    • capped at $25k
  • 2x Bonus points at
    • Gas Stations
    • Restaurants
    • capped at $25k
  • .No Annual Fee

90k is the best offer we’ve seen on this card with a $6k spend requirement in 3 months

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

Affiliate Link via CardRatings

Chase Ink Business Premier(SM) Credit Card

4.6
4.6/5

If cashback is your cup of tea, you’ll earn unlimited 2% cashback and 2.5% cashback on purchases of $5k or more.

Note: These points are not capable of being merged with other Ultimate Rewards like some other Chase cashback cards. 

Welcome Offer

$1000 after $10k spend in 3 months

Annual Fee

$195

Points Earned

Non-transferrable Ultimate Rewards

Who is this card right for?

  • You want cashback
  • You make a lot of big purchases and spend over $50k a year

 

Those who make a lot purchases over $5000 and appreciate cashback are the prime customer for this card.

Every single purchase earns 2% cashback which is on par with cards like the Capital One Spark Cash ( which has a $150 annual fee ), and the Amex Blue Business Plus ( no annual fee ) which caps that earning at $50k in a year. 

But, the place where the Ink Business Premier separates itself is on the 2.5% back on any purchase over $5000.

If you’re making a lot of $5000+ purchases, enjoy cashback, and spend more than $50k a year. This is a big earner.

  • Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
  • 2% cash back on all business purchases
  • 2.5% total cash back on purchases of $5,000 or more with no cap
  • 5% total cash back on travel purchased through Chase Ultimate Rewards Travel Center
  • No Foreign Transaction Fees
  • Trip Cancellation/Trip Interruption Insurance.
  • Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
  • There’s no additional cost for employee cards.
  • Annual fee is $195

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

This would be a main cast card if you’re looking to earn cashback vs transferrable points.

 

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

Affiliate link CardRatings

Citi(R) Double Cash Card

4.8
4.8/5

Simply put…earn unlimited 2% cashback

Welcome Offer

None

Annual Fee

$0

Points Earned

Cashback Thank You points, but if held alongside Citi Premier they can be combined and transferred

You’ll earn 1% cashback when you make a purchase, and another 1% when you pay for the purchase = 2%. 

There is no cap to the 2% back and it’s paid in the form of Citi Thank You points.

The strategy of holding this card is to pair it with the premium Citi Premier card which earns transferrable Citi Thank You points.

Citi allows you to combine the cashback with the Citi Premier points and transfer into partners. Similar to how the Chase system works.

It’s a great combo set of cards and the Double Cash has no annual fee…making it a no brainer.

This card could serve as your everyday card to use on purchases that don’t have a category bonus and earn a minimum of 2x on every purchase

  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% when you pay for those purchases.
  • Keep an eye on 0% interest offers as they fluctuate but can offer up to 18 months interest free.

We have seen $200 or 20k Thank You points after $1500 spend in 3 months

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

Amex Reader Referral

The Blue Business Plus® Credit Card from American Express

4.9
4.9/5

Earn 2x on purchases up to $50k a year

Welcome Offer

Up to 50k…check referrals

Annual Fee

$0 (Rates and Fees)

Points Earned

Transferrable American Express Membership Rewards

Super straight forward business card. 

You’ll earn 2x on all your purchases up to $50k spent a year.

I use this in tandem with other Amex cards that have category bonuses, and throw spend on the Blue Business Plus when I can’t earn a higher multiple

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

Affiliate link CardRatings

World of Hyatt Business Credit Card

4
4/5

Earn 4x at Hyatt hotels and 5 elite nights every $10k in spend.

Welcome Offer

60k World of Hyatt points after $4k spend in 3 months

Annual Fee

$195

Points Earned

World of Hyatt points

 

 If you’re going to have just one World of Hyatt credit card, my choice would be the personal version.

It comes with a more streamlined set of benefits and ability to offset the annual fee. 

The big miss on this card to me is the lack of baked in elite nights ( you need to spend $10k to earn 5, but can do so over and over again ), and it doesn’t come with an annual free night award.

Where this card could come in handy is if your business spends a ton of money. You need 60 elite nights to hit Globalist status and you could hit that purely by spending $120k a year on this card. 

You’d also get 10% back on all your award redemptions after spending $50k…but honestly, I think there are much better places to throw your spend.

  • Earn  60k World of Hyatt points after spending $5000 in 3 months
  • 4x at Hyatt hotels
    • 4x on the credit card spend on qualified Hyatt spend
    • 5x as a base member of Hyatt on qualified spend
    • 9x total when combining the two on qualified spend
  • 2x at fitness clubs and gym memberships
  • New Adaptive Accelator – Earn 2x on the categories you spend most each quarter
    • Until 12/31/23 you’ll 2x at the top 3 categories
      • dining;
      • airline tickets purchased directly with the airline;
      • car rental agencies;
      • local transit and commuting;
      • gas stations;
      • internet, cable and phone services;
      • social media
      • search engine advertising;
      • shipping
    • Starting in 2023 you’ll get 2 bonus points at the top 2 categories
  • Earning Elite Nights via spend
    • Earn 5 Elite nights with every $10k in spend
  • Discoverist Status while you hold the card
      • World of Hyatt Business Credit cardmembers can gift up to 5 Discoverist statuses to their company employees
        • They don’t need to be Authorize Users
  • Spend $50k in a year and get 10% back on all point stays after hitting that spend threshold
  • Get $100 statement credit each year at Hyatt hotels
    • This is divided into two $50 credits
    • No stay requirement needed
    • Valid Interanationally
  • No fee for employee business cards
  • No foreign transaction fees
  • Complimentary roadside dispatch
  • Primary rental car collision damage waiver
  • Extended warranty protection
  • Purchase protection
  • Trip cancellation/travel interruption insurance
  • Travel and emergency assistance services
  • Access to Hyatt Leverage, Hyatt’s global business travel program that offers special rates to qualifying small and mid-sized enterprises at participating Hyatt hotels worldwide
  • $199 annual fee

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

Affiliate via CardRatings

Chase IHG® Rewards Premier Credit Card

4.6
4.6/5

For the $99 annual fee you’ll get IHG One Rewards Platinum Status, a 4th night free when booking with points, an annual anniversary 40k night, and a $50 United Travel bank credit. Been in my wallet since it was released.

*Note if you have a Chase IHG® Rewards personal card or you’ve received a welcome bonus in the past 24 months you’re ineligible to add this to your wallet

Welcome Offer

175,000 IHG One Rewards after $3k in 3 months

Annual Fee

$99

Points Earned

IHG One Rewards

4 reasons I keep this card in my wallet

  • A free anniversary award night every year you keep the card, worth up to 40k IHG One Rewards ( you can add unlimited points to this award night as well ) This easily offsets the annual fee for me.
  • 4th night free when redeeming points
  • Cardholder award night sales where you get notice to book in advance or exclusively for cardholders
  • The United credit offset roughly half the annual fee
  • A free night after each account anniversary year
    • These are currently valid at properties 40k points and below
    • You can now add points to these nights should you want to stay at a pricier property
  • 4th night free when redeeming points for a 4 consecutive night stay
  • 10x at IHG Hotels & Resorts worldwide ( this is on top of the bonus you get as a IHG Rewards member )
    • 5x
      • travel
      • gas stations
      • dining/restaurants
      • social media and search engine advertising
      • office supply stores
    • 3x everywhere else
  • Spend your way to Diamond with $40k in annual purchases
  • Get a 10k bonus points and $100 statement credit when you spend $20k + one additional purchase in a year
  • $50 United Travel Bank credit
  • Earn up to 26x points at IHG hotels
  • 20% off purchased points
    • Can’t be stacked with points sales tho
  • Platinum status at IHG while holding the card
  • No Foreign Transaction
  • $99 annual fee

175k after $3k spend in 3 months is the best we’ve seen.

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

Affiliate via CardRatings

Capital One Spark Cash Plus

4.8
4.8/5

Unlimited 2% cashback

Welcome Offer

Up to $1k cash, see card benefits

Annual Fee

$150

Points Earned

Cash Back, but may be possible to combine with Capital One Miles

 

The Capital One Spark Cash Plus earns unlimited 2% cashback and is technically considered a “cashback card” 

However

Anedotally, and this is an unpublished data point, if you carry a card that earns Capital One Miles like the Capital One Venture X or Capital One Venture Rewards you can combine the cashback into Miles and transfer them into partners. 

Either which way, you’d put this card to use on purchases that have no other category bonus so you’re guaranteed a 2x on every purchase

  • Earn up to a $1,000 cash bonus
    • $500 after you spend $5k in the first 3 months
    • $500 after you spend $50k in the first 6 months of account opening
  • Earn unlimited 2% cash back
    • Everywhere, without limit
  • No preset spending limit
  • Annual $200 bonus every year you spend $200k
  • Rewards don’t expire as long as you have the card
  • Add employee cards without fee
  • No foreign transaction fees
  • $150 annual fee

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

Affiliate link CardRatings

American Express Blue Business Cash(TM) Card

4.6
4.6/5

Earn 2% cashback on purchases up to $50k a yaer

Welcome Offer

$250 cashback after $3k in 3 months

Annual Fee

None (Rates and Fees)

Points Earned

Cashback

I prefer The Blue Business Plus® Credit Card from American Express since it earns Membership Rewards and I value them at more than a penny a point…but, if cashback is your jam…this is pretty great at 2% and no fee.

  • $250 cashback after $3000 spend in 3 motnhs
  • 2% cashback on all purchases up to $50k throughout the year.
  • 2% cashback on all purchases up to $50k a year, then 1%
  • No Annual Fee. (Rates and Fees)

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

How it Works

We break credit cards into two broad categories as if we were casting a TV Show: Main Cast and Supporting Cast.

  1. Main Cast are the stars of your wallet. They are for your everyday purchases.
  2. Supporting Cast cards assist and aid your wallet. They yield more perks than their annual fee. These are mainly hotel and airline cards.
  3. Spreadsheet – we compiled a list of the current best offers as well as the all time best offers on a ton of cards. If you see something better, email us!

Miles' Top Credit Cards

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