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Monkey Miles Favorite CREDIT CARD PICKS
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First and foremost – I’m obviously obsessed with points and miles and leverage my 800+ credit score to earn as many as possible. I want to stress this point though – carrying debt to earn points is a terrible idea and we always recommend paying all of your off bills in full and on time. Second, we make money when you use our links, and greatly appreciate you using them, but make sure you’re getting the best deal out there. You could be targeted for a higher offer and we want you to get the best deal. With that said – we are a small business and rely on your support to keep going.
I recently published an in-depth article on how I’m looking to re-shift my wallet in 2021. I keep 15-25 cards concurrently and this article gives further insight into how I will tailor it this year.
Offers I’m most excited about for May 2021
- Currently, Chase Sapphire Preferred is offering a best ever 80k points after $4k spend +$50 grocery credit. If you don’t have that card – I would add it to your wallet.
- Second…Amex Gold is still rocking 60k or more offers (Rates and fees) and it probably gets more swipes/taps/inserts than any other card In our wallets.
- it earns 4x on dining and 4X on US Supermarkets up to $25k a year
- Finally, Capital One recently increased their Capital One Venture Rewards credit card offer to 100k, but is split into a 2 part bonus.
- This offer got a lot more valuable when Capital One dramatically improved their program.
Quick May update:
American Express
In February we saw that Amex Gold added a $120 annual Uber Cash benefit – this was in addition to the $120 dining credit that already existed ( that’s a total of $240/year in credits ). Amex Platinum continues to offer a tremendous offer that includes a 10x US Gas and US Supermarket bonus + a bevy of benefits. The Amex Business Gold also roared in with a brand new offer which I actually added to my wallet.
- Amex Gold now offers a $120 Uber Cash credit in addition to a 60k welcome offer after $4k spend in 6 months (Rates and fees) and 4x on both dining and us supermarkets – one of my favorite cards. Don’t forget to check to see if you qualify for a higher targeted offer of 75k or via referrals ( would be in your Amex prequals )
- Amex Platinum still has its offer featuring a 10x bonus us gas and us supermarkets up to $15k in 6 months – so jealous I already have the card and can’t get this offer (Rates and Fees).
Capital One
Capital One absolutely slapped the credit card marketplace when they added 4 new transfer partners, 19 total, and improved 9 of their partners to 1:1. There are rumors circulating that we may see a premium card introduced, and many of their cashback cards are showing the possibility to convert cashback into valuable Cap1 miles. I haven’t confirmed this, but it’s a good sign for the future and Frequent Miler puts out really reliable information. This is a technique I use all the time with Chase and their ecosystem…it seems Cap1 is tailoring their program in a similar fashion.
In the first two months of 2021 I haven’t really mentioned Capital One very much because their offers haven’t been that attractive to me. This just changed. They brought back their 100k Capital One Venture Rewards Credit Card offer and it’s definitely worth considering – it’s one of the few cards that has a sub $100 annual fee that offers a Global Entry/TSA Pre credit.
Chase:
The biggest and best news for May is that Chase continues to offer a best ever offer on their Chase Sapphire Preferred. If you aren’t familiar with the card and how it can be used in tandem with the Chase Freedom Flex or Chase Freedom Unlimited, I’d highly recommend you read our in depth article. Additionally, Chase had been offering a Companion Pass on its Southwest Priority card, but that ended. I’ve since removed it as a favorite card since the current offer isn’t nearly as desirable to us. The CSP, CFF, and CFU ( all listed below ) are continuing to maintain great offers.
- The Chase Sapphire Preferred offer continues to be a whopping 80k after $4k spend in 3 months + a $50 grocery credit. You may be able to get the annual fee waived if you go in branch ( may vary ).
- Chase Freedom Flex and Freedom Unlimited still have great deals and make great additions to your wallet with no annual fee
Citi
The Citi Thank You Premier and Citi Double Cash are some of the most underrate cards on the market – you can read more about them here
If you’ve found us via TikTok… I gotchu BAYBAY 🙂 Please enjoy this intro video and sizzle that shows what is truly possible with points!
A brief intro to the banks we use most
*Chase Sapphire Preferred has a great welcome offer of 80k Ultimate Rewards after $4k spend in 3 months + $50 grocery credit ( in the first year on eligible purchases )
If you’re just starting then I would highly recommend beginning with Chase cards since they not only have an incredible transferrable point currency, Ultimate Rewards, they use something called the 5/24 rule to limit approvals. 5/24 represents a policy that Chase has against approving you if you’d had 5 new accounts opened on your personal report in the last 24 months. If you’re thinking of bulking up your wallet with some great point earning cards, you want to make sure you give yourself the best shot with Chase, and a low 5/24 number helps. You can read more about that here, but it’s why I recommend beginning with Chase cards. The goal would be to build a Chase Trifecta or Quadfecta of cards that maximize your ability to earn points on every dollar you spend on them. I won’t get into detail on that, but here’s a link that explains more.
One thing to remember. If you carry a Chase Sapphire Preferred, Chase Sapphire Reserve, or Chase Ink Business Preferred you can transfer points to Chase’s amazing partner list. If you carry a cash back card alongside those premium cards, you can merge your points together. Read about that here, but it’s why I stress carrying at least two to increase your earn rate.
The Chase Freedom Flex and Freedom Unlimited are tremendous cards with no annual fee and I would pay close attention to those. Over on the business front, the no annual fee Chase Ink Business Cash and Unlimited have new and fantastic offers.
- Chase Freedom Flex and Chase Freedom Unlimited have amazing offers currently running and I would highly recommend both cards
- They were improved in September of 2020 and at least one should be in your wallet
- Chase Sapphire Preferred is a great starter premium card and one that I actually carry
- I think this is a great card to view as your Chase cornerstone
- Chase Sapphire Reserve has an increased offer of 60k Ultimate Rewards after $4k spend in 3 months. It’s also well worth your interest and includes many additional perks, but has a much higher annual fee of $550
- Chase Ink Business Preferred is one of the best business cards you can carry and I actually have two of them in my wallet ( different businesses )
- 3x on a litany of categories and earns transferrable points
- Chase Ink Business Cash
- rotating quartely 5x categories make this a great card to keep in your wallet to maximize spend
- Chase Ink Business Unlimited
- earn 1.5x on every dollar your business spends
American Express
American has some of the best cards on the market and an incredible Membership Rewards program with over 20 transfer partners. I carry 6 American Express cards and couldn’t recommend them more, and the biggest thing to keep in mind is their welcome offers are once in a lifetime. Make sure you get the highest offer you can find! With that said…Amex has some amazing offers currently running. The two I would pay most attention to are Amex Platinum, and one of my favorite cards of all time the Amex Gold.
- American Express Platinum
- Offers range between 75k and 125k – so look around (Rates and Fees).
- It also comes with a limited time 10x on US gas and US supermarkets for 6 months, up to $15k in purchases ( WalMart and Target are not included )
- American Express Gold
- Best public offer I’ve seen at 60k after $4k spend in 6 months (Rates and fees)
Citi
Citi has a great program that offers transferrable points called Thank You points, and several different restrictions regarding approval – namely, 1 application every 8 days and 2 in 65 days. With over a dozen transfer partners it is a great complement to the programs above. Personally, I carry a Citi Prestige and a Citi Double Cash. Much like the Chase programs that allow the merging of points earned as cashback, Citi allows you to merge Citi Double Cash points with those earned on the Citi Prestige and Citi Premier. The Prestige makes sense for me, but I would typically recommend a combo of Citi Premier and Citi Double Cash.
I would go as far as to say that the combo listed below is one of the most underrated on the market.
- Citi Premier
- 3x points on Travel and Gas Stations
- Citi Double Cash
- 2% back everywhere without a limit
You can see how that combo could be great to have and the annual fee on the Citi Premier is just $95.
You can read more about Citi Cards on our partner’s site CardRatings and their list of Best Cards of 2021
Capital One
Capital One really changed their status in the points world when they announced at the end of 2018 that they created a transferrable points program. It has some great partners, and personally I would focus on two cards.
- Capital One Venture Rewards Credit Card
- 100k Offer broken into 2 bonus thresholds: 50k after $3k spend in 3 months and another 50k after $20k total spend in 12 months .
- Earn 2x points on all purchases
- The big thing to note here is that MOST Capital One points transfer at a 2:1.5 ratio, meaning for most parnters, you’re earning 1.5x points per dollar spent after you transfer to them. The exceptions are Singapore, Accor, and Emirates.
- You get a Global Entry fee credit which completely wipes out the annual fee – pretty awesome
- 100k Offer broken into 2 bonus thresholds: 50k after $3k spend in 3 months and another 50k after $20k total spend in 12 months .
- Capital One Spark Miles for Business
- This is a great card that earns 2 points on every dollar you spend
- Capital One Spark Cash for Business
- If you’re just looking for straight up cash…this card earns you unlimited 2% back on every purchase. That is a cashback rate you should at least consider; however, the cashback earned on this cannot be combined with the cards above like I have mentioned with Chase and Citi.
If you want to travel like me, you need some fire power, and that means turning your wallet into an armory.
We try and earn the most points on each and every dollar we spend. That’s how we’ve traveled over 500k miles, circled the globe multiple times, redeemed millions of points, and enjoyed over $250k worth of travel in the past 5 years. I’ve done safaris, seen wonders of the world, and I even took my mom and dad on a surprise, 24 day, around the world trip that would have cost $125k had we paid retail ( our cost was just $5k ). I’m always re-evaluating the credit card marketplace, looking for ways to tweak my current arsenal of point earning powerhouses to see if I can’t do a bit better. Every point counts, right? Each month, we’ll put together a list of cards we think are great at helping readers ( and us ) get closer to our travel goals.
You need a great base of credit cards that are your “Go-Tos,” the ones you constantly pull out for expenses. They offer a great bang for your buck on most of your purchases. But your arsenal…well, those are cards you keep for specific purposes, perks, and benefits that amplify your travel from the sidelines.
Building the right base, and an accompanying arsenal of the great credit cards means you’ll be traveling better and more often. Here’s a look at my current armory 🙂
What’s in my Base?
My base consists of the cards I use on a monthly basis for regular purchases. Currently it consists of this:
- Chase:
- Amex
What’s in my Arsenal?
My Arsenal consists of cards that I use occasionally ( like hotel stays, free baggage, etc ) or ones whose intrinsic benefits outweigh the cost of the card
- Citi
- Citi Thank You Prestige
- Citi Double Cash
- Chase
- IHG Rewards Select
- Chase World of Hyatt Credit Card
- Amex
- American Express Business Platinum
- American Express Business Gold
- American Express Blue for Business
Some of the links below are affiliate links, meaning we make money off of you using them via our partner Card Ratings. However, we still include links to cards that we don’t have a financial relationship with, but feel are just cards with great value. We really appreciate you using our links as it’s what keeps the lights on, and Miles’ hunger for first class travel satiated 😉
Our Favorite Personal Credit Cards
| Credit Card | Why Monkey Miles thinks you should consider it | ||
|---|---|---|---|
 | Chase Sapphire Preferred Card | For the traveler looking to earn bonus points with dining and travel and great rental car protection, Read More *Highly Recommend* | Learn More |
 | Chase Sapphire Reserve | For the Traveler looking for lounge access and triple points on dining and travel worldwide + a $300 annual travel credit, and great rental car protection Read More | Learn More |
 | Chase Freedom Flex | For the traveler who prefers cash back. With opportunities to earn up to 5% cashback on rotating categories each quarter., Read More | Learn More |
 | Chase Freedom Unlimited | For the traveler looking for no annual fee and worry free unlimited 1.5% cash back on all purchases, Read More | Learn More |
 | Chase Southwest Rapid Rewards Priority | For the traveler who values Southwest perks and benefits and the Companion Pass Read More | Learn More |
 | American Express Platinum | For the Traveler looking for Centurion lounge access, 5x points on airlines, uber VIP status and credits , Read More *Highly Recommend* | Learn More |
 | American Express Gold | For the traveler who's looking for big dining and us supermarket bonuses. 4x on both! , Read More *Highly Recommend* | Learn More |
 | American Express Green | For the traveler who's looking to earn 3x on travel and dining + great credits. We highly recommend for beginners! Read More | Learn More here |
 | Capital One Venture Rewards Credit Card | For the traveler who wants double points on every purchase and great transfer partners Read More | Learn More |
 | Chase IHG Premier | For the traveler who wants IHG status and benefits, an annual free night, and 4th night free when booking with points Read More | Learn More |
 | Chase World of Hyatt | For the traveler who stays at Hyatt and wants status and a free night every year Read More | Learn More |
 | Chase British Airways Credit Card | For the traveler looking to fly on One World airlines, enjoys British Airways, and values a companion pass. Read More | Learn More |
 | American Express Hilton Aspire | For the traveler looking for top tier status, resorts credits, and more with Hilton, Read More | Learn More |
Chase Sapphire Preferred
(Learn More )
Current Offer:
Earn 80k points after $4k spend in 3 months + $50 Grocery Credit. Annual fee is $95
Why we love it:
In our opinion, this is the one of the best cards you can keep in your wallet. It’s perfect for both newbies and longterm point pros alike. Chase and their Ultimate Rewards program feature an incredible list of transfer partners like Hyatt, British Airways, United, Singapore Airlines, Air France, Virgin Atlantic, IHG, and Marriott. For a relatively low annual fee of $95 you can earn double points on all your dining and travel purchases, and if you carry this card you can merge the points you earn from Chase’s cashback cards like the Freedom Flex and Freedom Unlimited. If you have a business, you can merge points from those cards as well. I use the Chase Sapphire Preferred as a cornerstone in my Chase portfolio.
Benefit Overview
- 80k Ultimate Rewards after $4k spend in 3 months + $50 Grocery Credit
- No foreign transactions fees
- 2x dining and travel
- Fully transferrable 1:1 to all of Chase’s Ultimate Reward Partners
- Get Primary Auto Collision Coverage
- Trip Cancellation and interruption insurance
- 24/7 Customer Service
- Get Dash Pass
- Unlimited $0 delivery fee + reduced service fees on eligible orders over $12 for a minimum of one year with DashPass
- Activate by 12/31/21.
Chase Sapphire Reserve
( Learn More )
Current Offer:
Earn 60k points after $4k spend in 3 months. Annual fee is $550
Why we love it
The Chase Sapphire Reserve is the granddaddy of all Chase cards. It’s the card that lit the media on fire when it hit the market just a few years ago with perks like a $300 annual travel credit, full Priority Pass membership with access to great lounges 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. And of course, the Chase Sapphire Reserve earns Ultimate Rewards that can be transferred to partners like Hyatt, British Airways, United, Singapore Airlines, Air France, Virgin Atlantic, IHG, and Marriott. When you factor in the $300 travel credit, you’re paying an extra $255 more than the Chase Sapphire Preferred.
Benefit Overview
- $0 Foreign Transaction Fees
- Priority Pass membership
- Fully transferrable 1:1 to all of Chase’s Ultimate Reward Partners
- 3x on dining and travel
- 50k points are worth $750 in Chase Travel Center
- Get Primary Auto Collision Coverage
- Trip Cancellation and interruption insurance
- 24/7 Customer Service
Chase Freedom Flex 
(Learn More)
Current Offer:
Earn $200 welcome bonus after spending $500 in 3 months. No annual fee.
Why we love it:
This is a card we have carried for several years now when it was a Chase Freedom. Primarily we carried it because of 5x rotating category bonuses. Added benefits now include 5x on travel booked in Chase Travel, 3x on dining and pharmacies, and 1x everywhere else.
Every quarter, Chase selects categories like grocery stores, drug stores, gas, department stores, etc for you to earn 5x points, on up to $1500, on purchases. Now, this is technically a cash-back card, but when paired with a premium Ultimate Rewards card like the Chase Sapphire Preferred or Chase Sapphire Reserve, you can transfer that cash-back into you Ultimate Rewards account. This is what I do every year, and if you max out those $1500 quarterly bonuses, you end up making 5x points on $6k of spend. Or 30k points, each and every year.
Benefit Overview
- No Annual Fee
- 5x on Travel booked through Chase Travel
- 3x at Dining and Pharmacies
- 5x rotating quarterly category bonuses
- Combine your cash-back with your premium Ultimate Rewards
Chase Freedom Unlimited
(Learn More )
Current Offer:
Earn $200 bonus after $500 spend in 3 months, earn 5x on travel booked with Chase Travel, 3x on dining and pharmacies, 1.5% back on all purchases. No Annual Fee. $200 = equivalent of 20k Ultimate Rewards
Why we love it:
The Chase Freedom Unlimited is a fantastic card for those who prefer cash-back, OR ( and this is our fave ) to pair with either the Chase Sapphire Preferred or Chase Sapphire Reserve. Why? When you team the Chase Freedom Unlimited with a premium Ultimate Rewards card you can take your cash-back earned and transfer it into your Ultimate Rewards account. Why is that a good thing? Because then you can access of all those transfer partners to unlock incredible travel redemptions.
Benefit Overview
- No Annual Fee
- 5x on Travel booked through Chase Travel
- 3x at Dining and Pharmacies
- $200 bonus after $500 spend in 3 months
- 1.5% or 1.5x points on every purchase
American Express Platinum Card
( Learn More )
Current Offer:
Earn 75k points after spending $5k in 6 months + 10x on US gas and US supermarkets for 6 months, up to $15k. Annual fee of $550 (Rates and Fees)
Why we love it
A card we carry and love. The American Express Platinum Card is a heavy hitter, and not just because it’s made of metal. This new welcome offer is stunning because you can earn a whopping 10x points on US gas and US supermarkets for 6 months, up to $15k total. That is a potential 150k Amex points. You’ll also have access to Priority Pass lounges, 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, 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.
Benefit Overview
- $200 airline incidental credit every year
- $15/mo Uber credit, totaling $200 ( $35 in December )
- $100 annual Saks Fifth Avenue credit
- Priority Pass membership
- Access to Centurion lounges
- 5x on airfare purchased directly with the airline or Amex Travel
- Access to Amex Fine Hotels and Resorts
- No foreign transaction fees
- $550 Annual Fee (Rates and Fees)
American Express Gold Card
( Learn More )
Current Offer:
Earn 60k bonus points after spending $4k in 3 months. Annual Fee is $250 (Rates and fees)
Why we love it:
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 the most compelling card in 2021 as well. Earning 4x points on dining worldwide, 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, $10 monthly credit on Uber/Uber Eats, 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.
Benefit Overview
- 4x points at US Supermarkets ( up to $25k per year )
- 4x points on dining worldwide, plus qualifying takeout, delivery, and Uber Eats
- 3x points on Airfare purchased directly with airlines and via Amex Travel
- $10 monthly dining credit ( Grubhub, Seamless, The Cheesecake Factory, Shake Shack, and Ruth’s Chris Steak House)
- $120 Uber Cash Credit – $10 a month to be used on Uber or Uber Eats
- No foreign transaction fees
- Annual Fee of $250 Rates and fees)
American Express Green Card
( Learn More )
Current Offer:
Earn 30k Membership Rewards after spending $2k in 3 months
Why we love it:
The Amex Green Card earns 3x on travel categories, including flights, hotels, tolls, metro, rideshare, and busses. This increased earn structure paired with statement credits of $100 on Clear and Loungebuddy make this a valuable card to keep in our wallet. Plus, it’s another great way to earn referral bonuses!
Benefit overview:
- 30k Membership Rewards Welcome Offer after $2k Spend
- 3x on Travel, transit, and dining
- $100 annualClear credit
- $100 Loungebuddy credit
- $150 annual fee
Capital One Venture Rewards Credit Card
( Learn More )
Current Offer:
Earn 100k bonus miles when you spend $20k in the first 12 months from account opening, or still earn 50k miles if you spend $3k on purchases in the first 3 months
Why we love it:
Capital One changed the game in 2018 when they opened up their program to transfer partners ( most partners transfer at 2:1.5). The Capital One Venture Rewards Credit Card offers 2x miles on everyday purchases, and you’ll also receive a $100 Global Entry fee credit/TSA Pre✔®
Benefit Overview
- 19 transfer partners ( 9 at 1:1, some at 2 to 1:5, and a few at 2:1)
- Earn 2 miles on every dollar you spend
- Get a $100 Global Entry fee credit/TSA Pre✔®
Chase IHG Rewards Club Premier
( Learn More )
Current Offer:
- Earn 125k IHG points after spending $3k in 3 months + A Free Reward Night good on any property up to 40k points.
- $89 annual fee.
- Earn 25x points at IHG
Why we love it.
The IHG Rewards Club Premier not only gives you Platinum status in IHG for as long as you have the card, it also gives you a free night every single year after your anniversary ( up to 40k points ). Those two reasons alone are reason enough to acquire and keep the card long term, but here’s an incredible perk for point redemptions: you get a 4th night free when using points for your entire hotel stay. That is incredible. You’ll also get $100 Global Entry fee credit/TSA Pre✔® every 4 years, and earn 25x points per dollar spent at IHG properties. If you’re an IHG fan…this is a fantastic card for you.
Benefit Overview
- IHG Platinum status as long as you keep the card
- 4th night free when using points to book your entire stay
- Annual free night certificate on hotels valued at 40k and under
- $100 Global Entry fee credit/TSA Pre✔®
Chase World of Hyatt Credit Card 
(Learn More )
Current Offer:
Earn 30,000 World of Hyatt points after you spend $3k on purchases in the first 3 months from account opening. Plus, Earn 3x on what would normally give you 1x up to $15,000 in the 6 months after account opening. This means you’d get 60k bonus points after $15k spend in 6 months. Don’t forget you get a free category 1-4 certificate when you spend $15k in a year.
Why we love it
Every year you hold onto this card you will keep Discoverist status within Hyatt, but the big benefit is the annual night certificate at category 4 hotels and below. There are really amazing cat 4 and below hotels around the world, and I’ve stayed at many of them ( Park Hyatt Siem Reap, Saigon, Taipei). Tack on earning 4x points on every dollar you spend at Hyatt properties and the World of Hyatt credit card is a great card to keep in your wallet. You also have the opportunity to earn status nights ( 2 Elite qualifying nights for every $5k you spend ), and if you spend over $15k in a year, you’ll earn another category 1-4 free night certificate. I’ve also been able to save a ton of points through promos directed at World of Hyatt cardholders. The most recent being 25% off stays when using points. These tend to happen at least once per year, but varies. If you like Hyatt hotels, which I love, this is great card to keep in your wallet.
Benefit Overview
- Annual category 1-4 free night certificate
- 4x points at all Hyatt hotels ( this totals 9x points on every dollar spent when you factor in the 5x base points )
- 2x points at fitness clubs
- 2x points on dining
- Earn 2 Elite qualifying nights for every $5k you spend on the card
- Earn a bonus category 1-4 free night certificate when you spend $15k+ on the card.
Chase Southwest Rapid Rewards Priority?
Learn More
Current Offer:
Earn 40k points after $1k spend in 3 months.
Why it’s just ok:
Chase had been offering a companion pass alongside a larger sign up – that was an incredible offer; however, it required $5k in minimum spend vs the $1k on this offer. Personally, I preferred the older offer, but many still value a lower minimum spend alongside the perks of the card. You’ll get a 7500 point bonus after your card anniversary, $75 Southwest Travel credit, and 4 upgraded boardings per year when available. The card carries a $149 annual fee which is worth considering, but it comes packing some heavy punches.
Benefit Overview
- Receive 40k SouthWest points after $1k spend in 3 months
- 7,500-point anniversary bonus:
- $75 annual Southwest travel credit:
- Four upgraded boardings per year ( when available ):
- Want to get in that sweet A1-A15 spot? You can use these at the ticket counter or gate to jump to the front.
- 20% off inflight purchases like Wifi, inflight drinks
- Annual Fee $149
Chase British Airways Credit Card
( Learn More )
Current Offer:
Earn 50k Avios after $3k min spend in the first 3 months from account opening. Note a companion certificate is credited after spending $30k in a cardmember year. Depending on the cabin of service, you are eligible to get some taxes and fees credited back if you are a cardholder
Why it’s just ok
British Airways Avios are great to use on their partners for short flights because you can avoid heavy taxes and fees, but still extract a ton of value. I use these points quite often domestically in the states on American Airlines, as well as in Asia on Cathay Pacific and Japan Airlines. There are some great sweet spot redemptions, and this card earns points fast with a 4x offer. On top of the rapid earn, you also get a free companion certificate when you spend over $30k in a year on the card. My family made use of this perk back in 2015 when we took a safari to South Africa and my parents flew roundtrip in British Airways First Class with a Chase BA companion certificate. Taxes and fees add up quickly, and Chase has taken steps to help offset those if you’re a cardholder with $100 off Econ or Premium Econ bookings and $200 back on Business/First one credit per reservation, up to 3 times per year. You do need to use your Chase BA card to pay for the fees.
Benefit Overview
- 50k Avios after $3k in 3 months after account opening
- 3x Avios on all BA purchases
- Spend $30k in a cardmember year and get a companion certificate good for 2 years on BA ( these are good on both points and cash bookings )
- No foreign transaction fees
- Get Taxes and Fees reduced with credits
- $100 for an economy or premium economy booking
- $200 for a business or first class booking.
- You can receive one statement credit per reservation, up to 3x per calendar year.
- You have to pay the award taxes and fees with the Chase British Airways Visa to get the credit.
Citi Thank You Prestige
Current Offer:
Earn 50k points after $4k in 3 months of card membership. Annual fee is $495
Why we love it
The Citi Thank You Prestige gives you a 4th night free when you book via their portal or concierge. That’s incredible value. This benefit changes to just 2x per year in September, but even still…it’s staying in my wallet. It also gives a Priority Pass membership, access to Citi’s transferrable points program Thank You which has numerous transfer partners like Etihad, Virgin Atlantic, Qantas, and Singapore Airlines. You’ll also enjoy 5x on dining, 5x on airfare purchased directly with the airline, and great travel interruption protection.
Benefit Overview
- 5x points on dining worldwide
- 5x points on airfare purchased direction with the airline
- 4th night free benefit ( 2x per year starting sept 2019 )
- Priority Pass Membership
- One of the best travel protection coverage plans
- Access to World Elite Mastercard benefits
Barclay Aadvantage Aviator Red
Current Offer:
Earn 50k points after a single purchase. Annual fee of $99
Why we love it:
You’ll get cool features like a first checked bag free and preferred boarding plus a companion certificate, but what I really enjoy about having the card is access to AA’s reduced mileage awards. This program reduces flights between select cities by 7500 miles when you have a qualifying card, which the Barclay Aviator Red is…that’s an amazing savings on tickets. You also have access to World Elite Mastercard benefits as well.
Other Benefits:
- First checked bag free
- Preferred Boarding
- $99 Companion certificate after you make your first purchase and pay the annual fee
- $25 statement credit on AA in flight Wifi
- 25% off in flight snacks on AA
American Express Hilton AspireLearn More
Current Offer:
Earn 150k points after spending $4k in 3 months. Annual fee of $450
Why we love it
This card is an absolute beast giving members top tier Diamond Status, a free weekend night good at most any Hilton in the world, $250 resort credit ( not good on pre-paid rates ), $250 Airline incidental credit, earn 14x points on Hilton purchases, Priority Pass Select, and shoprunner. I don’t have this card yet, but it’s on my list to get. I absolutely love it, and the Hilton perks are incredible.
Benefit Overview
- Free Annual weekend night on your account anniversary
- Diamond status, top tier, as long as you maintain the card
- $250 resort credit ( not good on prepaid rates)
- $250 annual airline incidental credit
- 14x points at Hilton Hotels
- 7x points US restaurants, airfare booked directly with the airline/Amex travel, select car rental agencies.
Miles’ Top Business Credit Card Picks
| Credit Card | Why Monkey Miles likes this card | ||
|---|---|---|---|
 | Chase Ink Business Preferred | For the small business looking for free cell phone protection, and big bonuses on travel, shipping, and select internet advertising Read More | Learn More |
 | Chase Ink Business Unlimited | For the small business looking for a no annual fee card that earns 1.5% cash back on every single purchase regardless of category, Read More | Learn More |
 | Chase Ink Business Cash | For the small business that spends a lot on office supplies, cable, and internet, and no annual fee, Read More | Learn More |
 | American Express Blue Business Plus | For the small business looking to avoid an annual fee but still earn double points on every purchase, up to $50k, Read More | Learn More |
 | Capital One Spark Miles for Business | For the small business looking to earn double points without cap and uses Global Entry/TSA , Read More | Learn More |
 | Capital One Spark Cash for Business | For the small business that wants to earn 2% cash back on every purchase without limit, Read More | Learn More |
 | American Express Business Platinum | For the small business that spends a lot on airfare with the airline, enjoys Centurion access, and higher Amex Travel redemption rates, Read More | Learn More |
 | American Express Business Gold | For the small business that wants 4x on two categories ( like US gas, US restaurants, US Select Media advertising) up to $150k a year. Truly a fantastic way to earn a boatload of points Read More | Learn More |
If you’re a small business owner like me, you should be earning points on each and every dollar your business spends. We’ve compiled a list of credit cards, many we have, some we want, but all of them bring a definitive value proposition to the table. Personally, I want as much diversification as possible. The more points I have and the different types of points I accumulate mean I have more options to redeem when I’m ready to plan that dream trip. When you’re earning points in a variety of programs, it increases the odds that you’ll be able to redeem when the time comes. After all, luck is the intersection of opportunity and preparation.
Many of you reading this may not have businesses that possess an EIN, or an Employer Identification Number, and that’s perfectly ok. Small business credit cards may be a perfect fit for you.
- Gig economy workers: Uber and Lyft drivers, DoorDash/Postmates, etc all receive income via 1099s as independent contractors
- Tutors, consultants, etc
- Ebay, Facebook, and Amazon resalers
- Bloggers, influencers, etc
If you fall into any of those categories above, or something similar and earn 1099 income, you may qualify for a small business credit card. You’re in the position to take advantage of keeping your expenses associated with being an independent contractor separate so your tax professional can properly deduct applicable expenses from your taxes. Further more, many businesses start as side hustles and hobbies and run as Sole Proprietorships before ultimately becoming S-Corps, LLCs, etc. Small business credit cards are great ways to earn a lot of points for your business spend, keep those expenses separate, and keep your personal credit utilization rates low. Let me explain
Small Business credit card spend doesn’t show up on your personal credit report, and thus, the money that is put on them doesn’t run up your credit utilization number. Remember, your credit utilization is the the amount of credit you use divided by the amount of credit available to you. The majority of my big purchases are business related, and by putting those purchases on my business credit cards instead of my personal cards I am able to more easily keep my credit utilization number in the single digits.
One thing to remember is that your personal credit report and gross income are used to secure your small business credit card so you are personally liable for the money you spend on it, but your business doesn’t have to make a ton of money. For instance, if you’re a lawyer in NYC making $180k/year, but you also have a legal blog that makes some money off Google Ads, you qualify for a small business credit card. Even if you only make a couple grand a year, your personal income may secure you a card with a sizeable credit line.
In the situation I mentioned above, here is how you would approach the application. The blog would be the business name, you’ll choose Sole Proprietor as your business type, where it asks for Employer Identification Number you’d use your social security number, and your business income would be $2k. It’s run out of your home so it would be your home address. You’ll also fill out information regarding your personal information including other income where you’d fill in the $180k/year.
Chase Ink Business Preferred 
( Learn More )
Current Offer:
Earn 100k Chase Ultimate Rewards after spending $15k in 3 months. Annual fee is $95
Why we love it:
This is a powerhouse business card and one we put many of our expense on. It earns 3x points, up to $150k a year, on travel, shipping, Internet, cable, phone, and advertising with specific social media sites. In addition to those great earning opportunities you receive free mobile phone insurance with a low deductible simply by paying your cell phone bill with the card. This card also earns Premium Ultimate Rewards, which means you can transfer points into partners like Hyatt, British Airways, United, Marriott, Iberia, Singapore Airlines, Air France, etc
Benefit Overview
- $95 annual fee
- 3x Points, up to $150k, on
- Travel
- Shipping
- Internet, Cable,Phone
- Advertising on certain social media sites
- Free cell phone insurance for you and your employees ( who are on your phone bill )
Chase Ink Business Unlimited 
( Learn More )
Current Offer:
Earn $750 cash-back ( 75k Ultimate Rewards ) after spending $7500 in 3 months. No annual fee
Why we love it
Earn 1.5x on every single dollar that you spend, but here’s the biggest reason we love it. If you carry a card like Chase Sapphire Preferred/Reserve or Ink Business Preferred, you can combine your cashback with those Ultimate Rewards and transfer them into the fantastic Ultimate Reward partners. The Chase Ink Business Unlimited is an incredible way to assure that your business is earning, at a minimum, 1.5x on every single dollar it spends. That’s pretty fantastic.
Benefit Overview
- Earn 1.5x on every dollar you spend
- No Annual Fee
Chase Ink Business Cash
( Learn More )
Current Offer:
Earn $750 cash back ( 75k Ultimate Rewards ) after spending $7500k in 3 months. No Annual Fee
Why we love it:
You can earn 5x points on every single dollar ( up to $25k ) at office supply stores, cell phone bills, landline, internet, and cable tv services each account year. That is incredible and we make great use of it every year.
Benefit Overview
- 5x, up to $25k at:
- Office Supply Stores, Cell phone, Landline, internet, cable, and tv services
- 2x on dining and gas
American Express Business Platinum
( Learn More )
Current Offer: 100k Membership Rewards
Earn 100k Membership Rewards after spending $15k with the first 3 months of card membership. Annual fee is $595. (Rates and fees)
Why we love it:
This all metal beast is a powerhouse card that will give you access to Amex’s own Centurion Club Lounge, Priority Pass lounges, $200 incidental airline credit, 50% bonus on purchases over $5k, 35% back on points redeemed on your airline of choice/premium cabin tickets, 5x points on flights purchased in Amex Travel, and $200 annual Dell statement credit.
Benefit Overview
- $200 Incidental Airline Credit with your specified airline
- $200 Annual Dell credit ( split $100 each 6 months of the year )
- Centurion Club Lounge Access
- 50% bonus on purchases over $5k
- 35% back on points redeemed on your airline of choice/premium cabin tickets
- 5x points on flights purchased in Amex Travel
- $595 annual fee (Rates and fees)
American Express Business Gold 
( Learn More )
Current Offer: 70k Membership Rewards
Earn 70k Membership Rewards after spending $10k with the first 3 months of card membership. Annual Fee of $295 (Rates and Fees)
Why we love it:
You’ll get 4x points on 2 of the categories listed below where you spend most in a billing cycle, up to $150k total per year. You’ll also enjoy 25% points refunded back into your account if you use them to purchase airfare through Amex Travel (any class on your selected airline, or biz/first on any airline). The biggest reason to get this card is to earn a ton of points via category bonuses. If you spend a lot on any of the ones listed below, you’ll earn your annual fee back in the form of bonus points many times over.
Benefit Overview
-
- 70k Membership Rewards after $10k spend in 3 months
- 4x on 2 of the following categories where you spend most per billing cycle(capped at $150k)
- 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, including takeout and delivery
- U.S. purchases for shipping
- 25% points refunded back when you buy a flight on Amex Travel on
- your airline of choice in any cabin
- biz/first on any airline
- capped at 250k refunded points per year.
- $295 annual fee (Rates and Fees)
American Express Blue Business Plus
( Learn More )
Current Offer:
2x purchases on the first $50k of all purchases throughout the year. FYI Referrals vary between 10k and 20k on welcome offers, but varies throughout the year. No Annual Fee. (Rates and Fees)
Why we love it.
Plain and simple, you’re getting double points, up to $50k, on everything you spend.
Benefit Overview
- 2x points on all purchases
- No Annual Fee
Capital One Spark Miles for Business
( Learn More )
Current Offer:
50k Miles after spending $4500 in 3 months plus earn 2x miles on every dollar purchase. $95 annual fee, waived first year.
Why we love it
Capital One changed their entire strategy at the end of 2018 when they introduced transfer partners. In fact, up until that point, I hadn’t really seriously considered picking up a Cap1 card because I extract the most value from by transferring into partners. Cap1 has a very solid group of partners which were recently improved. There are now 19 transfer partners, 9 of which transfer 1:1 and most others transfer 2:1.5. This means, you’re earning a worry free, without limit, 1.5 miles ( post transfer ) on every single dollar your business spends, and in some cases 2 points for every dollar. That’s amazing. You’ll also get a $100 Global Entry/TSA Pre credit and no foreign transaction fees
Benefit Overview
- 2x miles on every dollar your business spends, without limit ( mostly equates to 1.5 miles post transfer to partners. 9 at 1:1 )
- Low annual fee
- Access partners like EVA, Aeroplan, and Singapore Airlines
- $100 Global Entry/TSA Pre credit
- Annual fee waived first year
Capital One Spark Cash for Business
( Learn More )
Current Offer:
Earn $500 cash back after spending $4500 in the first 3 months of card membership. 2% back on all purchases, no limit. $95 Annual Fee, waived first year.
Why we love it:
If you want a worry free, hassle free way to earn cash back on your purchases, The Capital One Spark Cash for Business is a cash back machine. Earning 2% back on all purchases without any limitation is incredible. There’s no limit, you’ll earn 2% back whether you spend $1 or $1B on your card.
Benefit Overview
- $0 annual fee first year, then $95
- 2% back on every single purchase, everywhere, without limit
- $500 after spending $4500 in the first 3 months of card membership.
Barclay Aviator Red Business
Current Offer:
Receive 65k AA miles after spending $1k in 90 days. Another 10k AA miles when an employee makes a purchase on their card. Annual fee of $95Why we love it:
You’ll not only earn a great welcome bonus, but you’ll also get a free checked bag. You can earn 3k EQM when your business spends $25k a year + a $99 companion certificate when you spend $30k. Other benefits include preferred boarding and a 25% discount on in flight purchases.
Benefit Overview
- 65k welcome bonus
- 10k when an employee uses their card to make a purchase in 90 days
- Annual fee of $95
- Free checked bag
- 3k EQM bonus after spending $25k/year
To see the rates and fees for the American Express cards featured, please visit the following links: American Express Platinum Card: See Rates and Fees; American Express Business Platinum: See Rates and Fees; American Express Gold Card: See Rates and Fees; American Express Business Gold: See Rates and Fees; American Express Blue Business Plus: See Rates and Fees
Chase Sapphire Preferred
A Monkey Miles favorite for beginners and point pros alike – a staple of our wallet that earns Premium transferrable Ultimate Rewards. $95 annual fee
♥ Earn 80k Bonus Points after $4k Spend in 3 months + $50 grocery credit
♥Points are transferrable to over dozen partners, or redeemable for 1.25c in Chase travel
♥2x on travel
♥2x on dining
♥1x on all purchases
Learn more
Though I try to use my capital one credit card to make purchases to build my credit and rewards, it is difficult because I live in Albania which runs primarily off cash 🙁 I’m sure I’d be able to do it better if I still lived in the US. Thanks for all the tips, I might try to upgrade my credit card soon!
You can use better offer by using following referral link for 75000 sign up bonus and $200 cashback. Use incoginito window if it shows 60k offer
http://refer.amex.us/SMITAKLaQk?XLINK=MYCP
60k Gold Bonus + $200 back as a statement credit on eligible home furnishing purchases
Apply for an American Express Card with this link. We can both get rewarded if you’re approved! http://refer.amex.us/ALEXaLCfV2?xl=cp102q
60k Gold Bonus + $200 back as a statement credit on eligible home furnishing purchases
Apply for an American Express Card with this link. We can both get rewarded if you’re approved! http://refer.amex.us/SETHT16TP?xl=cp19
AMEX FTW! I have 3 of their cards- best investments ever!
Let’s get rewarded together! Apply for an American Express Card with this link.
http://refer.amex.us/JACQUM3tr1?XLINK=MYCP
This link is for the Gold card, but can be used to apply for any card. Rose gold is so cute!
Thanks in advance for using my link! Deal details below:
SPRING 4WARD Limited Time Referral Offer:
Your friend can earn: 60,000 Membership Rewards® points after they use their new Card to make $4,000 in purchases within the first 6 months of Card Membership. Your friend will be able to choose from all available American Express personal and business Cards, including the Rose Gold Card. You can receive your referral bonus no matter what Card your friend is approved for. Plus, for a limited time, if they apply for this Card by 5/5, they can earn up to $200 back in statement credits on eligible purchases at select U.S. home furnishing stores.
AMEX FTW! I have 3 of their cards- best investments ever!
Let’s get rewarded together! Apply for an American Express Card with this link.
http://refer.amex.us/JACQUM3tr1?XLINK=MYCP
This link is for the Gold card, but can be used to apply for any card. Rose gold is so cute!
Thanks in advance for using my link! Deal details below:
SPRING 4WARD Limited Time Referral Offer:
Your friend can earn: 60,000 Membership Rewards® points after they use their new Card to make $4,000 in purchases within the first 6 months of Card Membership. Your friend will be able to choose from all available American Express personal and business Cards, including the Rose Gold Card. You can receive your referral bonus no matter what Card your friend is approved for. Plus, for a limited time, if they apply for this Card by 5/5, they can earn up to $200 back in statement credits on eligible purchases at select U.S. home furnishing stores.
My referral link for the Amex Gold card but you can apply for any Amex card through it.
Apply for an American Express Card with this link. We can both get rewarded if you’re approved! http://refer.amex.us/LEONB1cWF?xl=cp102n
Hi Everyone!
My American Express Platinum Card has a great offer of 90,000 Bonus miles after spending $3,000 in purchases on their new Card in their first 3 months of Card Membership.
Apply for an American Express Card with this link. We can both get rewarded if you’re approved! http://refer.amex.us/NICOLScGn6?xl=cp01
There is a Special Offer: “Refer A Friend to apply by 5/5. Once they’re approved, you can earn +4 bonus miles per dollar on your eligible purchases at the following select U.S. home furnishing stores, on up to $25,000 in combined purchases for three months: Anthropologie – Home & Furniture, Bed Bath & Beyond, CB2, Crate and Barrel, Crate and Kids, The Home Depot, Lowe’s, Terrain, and The Container Store. Terms apply.”
125k Marriott Bonvoy points – they have transfer partners too!
Apply for an American Express Card with this link. We can both get rewarded if you’re approved! http://refer.amex.us/KAYLAVvlPy?xl=cp01
Apply for an American Express Card with this link. We can both get rewarded if you’re approved! http://refer.amex.us/KAYLAVvlPy?xl=cp01
Apply for an American Express Card with this link. We can both get rewarded if you’re approved!
http://refer.amex.us/DANIEFvceM?XL=MIACP
Earn 80,000 bonus points with Chase Sapphire Preferred. Plus, earn $50 statement credit towards grocery purchases. I can be rewarded, learn more. https://www.referyourchasecard.com/m/6a/6L5/GF5V/1559938159
Earn 40,000 points with any Southwest(R) personal Credit Card and business owners can earn 60,000 points with the Premier Business Credit Card or earn up to 80,000 points with the Performance Credit Card. https://www.referyourchasecard.com/m/226/6L5/GDF8/1520143174
Check out my other favorite credit cards! https://maxrewards.app/refer/danielf7047
Amex Gold offer: 75,000 MR points welcome bonus (use Google Chrome Incognito mode) and $200 statement credit on select home improvement stores. Thank you in advance for using my referral link:
http://refer.amex.us/ETHANLMdVF?XLINK=MYCP
Amex Platinum: http://refer.amex.us/EVANKn3CD?xl=cp01
75,000 Bonus Points + 10x Points at U.S. Gas Stations & U.S. Supermarkets + $200 Back in Statement Credits
Chase Sapphire Preferred: https://www.referyourchasecard.com/6a/1QFLJEMU8I
80,000 Bonus Points + $50 Statement Credit towards grocery store purchases
American Express Platinum Card
http://refer.amex.us/NICHOL6HgN?xl=cp102n
Chase Freedom Unlimited
https://www.referyourchasecard.com/18/0FTUF0FZHI
Chase Sapphire Preferred – 80k sign up bonus
https://www.referyourchasecard.com/6a/VKOMVE6KBO
http://refer.amex.us/MICHABiLlR?XL=MNMCP
100,000 point after 5k spent in first 6 months
10x points on gas and grocery
Plus 200 in statement credits on home furnishing stores
American express
Fresh referal code valid till 5/5/2021
Hey guys! Use my referral link to apply for any Chase Card. Depending on the card you choose you could earn cash back bonuses like an extra $200 cash back with Chase Freedom Unlimited or Chase Freedom Flex credit card when you use my link.
https://www.referyourchasecard.com/18/V3TG2QPEGR
Raise your hand if you’re here from tiktok!
Dropping my Amex Gold referral code below! Lets travel!
Just traded 1000 AMEX point for 2800 Hilton points! The transfer rate is amazing!
Apply for an American Express Card with this link. We can both get rewarded if you’re approved! http://refer.amex.us/NIKITM5PAe?xl=cp102m
Apply for an American Express Card with this link. We can both get rewarded if you’re approved! http://refer.amex.us/MARIADMYuy?xl=cpzz5
Apply for an American Express Card with this link. We can both get rewarded if you’re approved! http://refer.amex.us/CHRISPeVGF?xl=cp01
Earn 60,000 bonus points with Chase Sapphire Preferred. Plus, earn $50 statement credit towards grocery store purchases. I can be rewarded, learn more.
https://www.referyourchasecard.com/6/G342E3C7EU
I got you Baby!
Apply for an American Express Card with this link. We can both get rewarded if you’re approved! http://refer.amex.us/MATTEmybZa?XLINK=MYCP
Help a college grad take a vacation!
Apply for an American Express Card with this link. We can both get rewarded if you’re approved! http://refer.amex.us/BRADFY6746?XLINK=MYCP
Here is my AMEX referral code. LETS GET THESE POINTS!!!
Apply for an American Express Card with this link. We can both get rewarded if you’re approved! http://refer.amex.us/TRUMAGWPvB?XLINK=MYCP
figured i may as well try this. I need just one referral for southwest card to put me over the limit for companion pass. I am trying to get it before my trips in June. If anyone is looking for either the business card or personal card here is my link. thanks
https://www.referyourchasecard.com/257/1L0ORCK97B
The Amex Gold is easily my favorite and most used card. I’m glad to see that so many people realize how many benefits it has. It’s so worth it. If anyone’s interested I’m including a referral link.
Apply for an American Express Card with this link. We can both get rewarded if you’re approved!
http://refer.amex.us/GUSTASYU17?XL=MIACP
How you would you handle living in a remote state, like I do, in MT. Not a huge choice of airlines (my town has Delta, United, and Alaska). Skymiles card obviously is limited. Would you stay with an airline card or use a card that you can transfer given I have limited choices to begin my flight.
Happy travels, enjoy my link!
Apply for an American Express Card with this link. We can both get rewarded if you’re approved! http://refer.amex.us/MICHAGh3og?XLINK=MYCP
Apply for an American Express Card with this link. We can both get rewarded if you’re approved! http://refer.amex.us/JEREMG4WQi?XLINK=MYCP
Looking for a Chase Sapphire Preferred referral link? You’ll earn 60,000 bonus points and a $50 statement credit towards grocery store purchases, and I’ll earn points toward a trip to Japan for my husband’s birthday if you use this one:
https://www.referyourchasecard.com/6/C1ZC0YIU9L
Enjoy the trip!
Thanks, Bradford! They just increased the bonus to 80,000 points, so now’s a great time to grab this card 🙂 Here’s my new link:
https://www.referyourchasecard.com/6a/V86D80M7SG
Very informative! Regards
Chase Ink Cash is my favorite business card. No fee and 5% back at Office Supply Stores including Visa gift cards. Watch for the offers that they run approximately 1/month where they waive the $5.95 fee on a $200 card. Buy 5 and earn 5,000 Ultimate Rewards!
https://www.referyourchasecard.com/21f/FATQ20T8C3
Here is the Roy referral link for Amex Platinum. You will get an offer for at least 60K sign-up bonus points by using it and I will receive 30K. It has been a great card with a lot of perks!
Apply for an American Express Card with this link. We can both get rewarded if you’re approved!
http://refer.amex.us/JOHNHWtsR?xl=cp33
Here is my link for an AMEX Platinum. I love mine!! Keep racking up those points everyone!!
http://refer.amex.us/TERRYtcvDV?xl=cp15
Here is my Link for an AMEX GOLD!! Wow! 60,000 points special offer. Please enjoy!!
https://www.americanexpress.com/en-us/credit-cards/referral/prospect/personal/526CDA803BDBC171AD70AF8F736E6030EE79F8F2F61AFF2E3AD8900CBF5BDBCD42F5FB1476008E144691E769D0F60E9073F501BE36D97281F68122E747DD195D22F7749EE1EBF2920D9E7039DB13EF5108C54D6AD6BC791C5BD2C27D80FABDB202561150D9EA645988EB79C7943D5D61C5D62005F02EFFFDF91B7D68415BBAB6?CORID=T~E~R~R~Y~t~c~v~D~V-1614487485912-26955600&CPID=201279&GENCODE=349992841707845&extlink=US-MGM-DEFAULT-copypaste-137-201279-GBZ7%3A0041-137-GBZ7%3A0038
Hello, Just leaving my link for an Amex daily use card. Not as many bonus points but less of an annual fee. Hope that helps!
https://www.americanexpress.com/en-us/credit-cards/referral/prospect/personal/85172CF7B81719D7AD70AF8F736E6030EE79F8F2F61AFF2E3AD8900CBF5BDBCD42F5FB1476008E147D110F431F952A8C73F501BE36D97281F17A67C88B84E10F922ED55EC83D9B99019089E34DAF9253BEA42553B29591751B20BD4F76026AF8502872567FF867860B2529B107B9F27C8CFB648C3991689B858EDA4E2C46077B669F998CFCD0695545E6718A19BFD37CCD45AD4092AB18ABA7A8678AB665EF752FB0EEE26D3D873F?CORID=T~E~R~R~Y~t~c~v~D~V-1614487485912-26955600&CPID=201279&GENCODE=349992841707845&extlink=US-MGM-DEFAULT-copypaste-137-201279-GBZ7%3A0041-137-GBZ7%3A0038
Here’s my referral link to the Delta SkyMiles Gold Amex. We can both get rewarded if you’re approved! It’s a win-win, babyyyyy:
http://refer.amex.us/CHEYEKJnYM?xl=cpm4
Apply for an American Express Card with this link. We can both get rewarded if you’re approved! http://refer.amex.us/MARIAD2dHd?xl=cpzz5
AMEX Gold referral code for at least 40,000 reward points, includes Rose Gold option!
Apply for an American Express Card with this link. We can both get rewarded if you’re approved! http://refer.amex.us/KEVINCOrWU?XLINK=MYCP
Don’t know if these come with points, but any chance you’ve looked into High Yield Savings’ Accounts and have any you’d recomment?
Love the AMEX (rose) GOLD
Apply for an American Express Card with this link. We can both get rewarded if you’re approved! http://refer.amex.us/JOSEB5hUi?XLINK=MYCP
Here is my platinum amex referral link, you can earn at least 60K points. Please help me give my parents a 30 year anniversary trip!
http://refer.amex.us/RANDYrq3bz?XL=MIACP
Love my chase sapphire card. Sign up for yours with this referral link.
Earn 60,000 bonus points with Chase Sapphire Preferred. Plus, earn $50 statement credit towards grocery store purchases. I can be rewarded, learn more.
https://www.referyourchasecard.com/6/8QSPHYAMTC
American express platinum link.
Apply for an American Express Card with this link. We can both get rewarded if you’re approved!
http://refer.amex.us/ADRIaCPms6?XL=MNMCP
Chase Sapphire Preferred referral for 60,000 bonus points:
https://www.referyourchasecard.com/6/N3OHN84L7C
Hi Zach,
Need your help. I am planning to travel to India from Seattle USA in Nov -dec 2021 for 4 weeks. How can i hack the business or first class for me, my wife, and my kid? help me..
Hoping to take my girlfriend on a nice trip, use my link and help us both out!
http://refer.amex.us/JOSEPPzVPI?XL=MIACP
Apply for an American Express Card with this link. We can both get rewarded if you’re approved!
http://refer.amex.us/LISAHJGvq?XL=MNACP
Hi monkeys! Travel hack noob here! Please use my link if you’re planning to apply for these amazing Chase cards. Thank you!
Chase Sapphire Preferred
https://www.referyourchasecard.com/m/6/6L5/GCLH/1571940092
60k + $50 statement credit!!
Chase Freedom Unlimited or Flex
https://www.referyourchasecard.com/m/18/6L5/GBH6/1542487507
$200 bonus.
Bon voyage!
Great list of valuable cards!
Hope you all making a good choice and travel well this year.
If you’d like to apply and receive a nice BONUS, and help me also by going through the following referral link – we both benefit. Keep the good karma going around:
http://refer.amex.us/TAtYALPxmm?XLINK=MYCP
Click on ‘All Cards” and choose:
Gold (+Rose) Amex card for 65,000+ MR points (after minimum spent is met);
Platinum Amex card for 80,000 MR points + 150,000 potential to earn with 10X in 6 months;
Hilton Surpass card for 160,000+ points & $150 or
Hilton Honors no fee card for 105,000+ points & $100.
All of the above are some of my favorites and have good to great benefits attached to them. Apply depending on your near-future need to use miles and points for maximum results. Remember, travel is good for your health, both physical and mental, don’t take it for granted.
Best of all!!
Referral for AMEX Gold
http://refer.amex.us/KELLYGrX3M?XLINK=MYCP
Love your content! Thank you for all the great tips. Can’t wait to start my worldly adventures. If you guys would like to help each other out here’s my referral link for the chase sapphire preferred card: https://www.referyourchasecard.com/6/9MXPYYAUVY
You will get 60,000 bonus points
after they spend $4,000 in the first three months their account is open.
Plus, earn a $50 statement credit towards grocery store purchases.
You all are just AMAZING, I can’t wait to start making better use of my points and benefits!
Apply for an American Express Card with this link. We can both get rewarded if you’re approved! http://refer.amex.us/TRAVOtamMS?xl=cp19
latest Amex Business Plat link (85k as of Feb 2021, but if you find a higher offer please use that!):
Apply for an American Express Card with this link. We can both get rewarded if you’re approved! http://refer.amex.us/ELYGcOc9?XLINK=MYCP
Apply for an American Express Card with this link. We can both get rewarded if you’re approved! http://refer.amex.us/USMONDBSku?XLINK=MYCP
American Express Cash Preferred Card: Great options for ultimate cash back!
Referral Link —> http://refer.amex.us/AMaNDMg40N?XL=MIDCP
Referral for Amex, earn an extra 400 bucks for yourself!
http://refer.amex.us/MENGSEwDw?XLINK=MYCP
Earn $200 cash back with the Chase Freedom Unlimited or Chase Freedom Flex credit card. I can be rewarded, learn more.
https://www.referyourchasecard.com/m/18/6L5/GBH6/1572652919
Referral link for Platinum
http://refer.amex.us/JACQUBXTUi?XLINK=MYCP
Love learning about the referral program. Here’s my link for the Sapphire Preferred:
https://www.referyourchasecard.com/6a/9C235FO088
Referral link for Chase Sapphire Preferred:
https://www.referyourchasecard.com/6a/0F7ZLCE2YZ
For all you KINGS and QUEENS who made it through 2020 into 2021. Better times ahead for us all I hope. Here’s the referral link for my American Express Platinum which I got about a month ago and has some bonkers groceries and gas multipliers! http://refer.amex.us/CLAYMGUFY?xl=cp19
For all you KINGS and QUEENS who made it through 2020 into 2021. Better times ahead for us all I hope. Here’s the referral link for my American Express Platinum which I got about a month ago and has some bonkers groceries and gas multipliers!
Earn $200 cash back with the Chase Freedom Unlimited or Chase Freedom Flex credit card: https://www.referyourchasecard.com/m/18/6L5/GBH6/1572679752
$200 cash back after $500 in first 3 months. 3% on dining, 3% on drugstore purchases, 5% cash back on travel booked through Ultimate Rewards. Unlimited 1.5% on everything else.
receive an offer to earn at least $400 in rewards value in the form of either Membership Rewards points and/or statement credits
Amex Gold: http://refer.amex.us/MATTEm1NK27?XLINK=MYCP
Here is another AMEX Gold Card referral link for those interested!
Seriously the best card I could ever ask for.
(The rose gold metal card is glorious, so many compliments)
Apply for an American Express Card with this link. We can both get rewarded if you’re approved! http://refer.amex.us/JONATA63vn?XLINK=MYCP
Hey Miles! I currently have the Venture card but want to get another with with some better perks. I’m thinking the Amex Platinum or the Chase Sapphire Reserve but can’t decide between the two.. What are you thoughts?
Thanks for all the great travel tips! Below is my American Express Green Card referral with 45K MR points! I did not receive the away credit though :\
Apply for an American Express Card with this link. We can both get rewarded if you’re approved! http://refer.amex.us/ARIaNFg8E4?XLINK=MYCP
here is my referral link for the Amex platinum card! love it!!
Apply for an American Express Card with this link. We can both get rewarded if you’re approved! http://refer.amex.us/GINAIyX6H?XLINK=MYCP
here is link to get 45k MR points on the Amex Green card.
http://refer.amex.us/BRUCEEB6Qt?XLINK=MYCP
For 2021 this card has a $100 credit for lounge buddy. Club MCO at the Orlando airport is a lounge buddy lounge so you can get reimbursed two times if you go there (it’s $45 per visit),
Have a better AMEX GREEN Offer with 45,000 MR points:
http://refer.amex.us/TAtYALdMfM?XLINK=MYCP
If aiming for GOLD 60,000 MRs, just go to the same link and choose ALL cards with referral offer.
Thanks a lot for using my link. HAPPY NEW YEAR 2021!!
Article have June 2019 as a date for best cards. Is it outdated?
Ah, good catch. I update the chart and offers every month, but clearly have overlooked one glaringly obvious mistake lol. Updated now
Please use my link to apply. Thanks Everyone!
Apply for an American Express Card with this link. We can both get rewarded if you’re approved!
Use incognito/private window for the best offers. Thanks for using in advance.
Gold: Great for Groceries/Restaurants
http://refer.amex.us/AYOMILYSB9?XLINK=MYCP
Platinum: Great for travel Rewards
http://refer.amex.us/AYOMILv2YZ?xl=cp101b
Hilton Honors Surplus Card
http://refer.amex.us/AYOMILFEkQ?xl=cp101b
I love the idea of helping people out! I tried to do this with some of my friends, but they didn’t see the benefit. So I’ll pass it on to other curious adventurers.
Amex Platinum referral link http://refer.amex.us/EMILYNIeBU?xl=cp19
Amex Bonvoy referral link http://refer.amex.us/EMILYNd64p?xl=cp19
amex everyday 10k bonus points: http://refer.amex.us/SANJAPfGBi?xl=cp15
cap1 venture 100k: https://capital.one/3nDeSDx
chase sapphire preferred 60k: https://www.referyourchasecard.com/6a/EUWBCCB0OP
chase united milageplus 40k: https://www.referyourchasecard.com/217/EAIYGRN2NH
boa alaska 65k: https://www.applyonlinenow.com/USCCapp/Ctl/entry?cid=4048924&mgmReferrerSessionId=1601624504454-4e653e2decb5
Referral link for Chase Ink Business Unlimited with 100,000 bonus points! https://www.referyourchasecard.com/21f/UCDXNEY4XB
I received my Mercury card, I wanted to know your opinion on this bank? And secondly, I asked for a second card from BREX to be sent to me. The advantages of this card seem so unrealistic to me, has anyone ever had to deal with them? What are your opinions about BREX and MERCURY? Are the rewards of the BREX card well respected? Thank you for your answer
Great way to start with United MileagePlus® Card !!!
Now choose the United MileagePlus® Card that is right for you. I can be rewarded too if you apply here and are approved for the card. Learn more.
https://www.referyourchasecard.com/217/QSHB267PMO
Earn 10,000 bonus miles after spending $500. Apply for an Delta Blue American Express Card with this link. We can both get rewarded if you’re approved! http://refer.amex.us/ANDREBPtS0?XLINK=MYCP
Earn 60k sign on bonus for Amex Gold using my referral link below. Thanks
Apply for an American Express Card with this link. We can both get rewarded if you’re approved! http://refer.amex.us/AMLaNDh8pb?xl=cp01
Your article highlights a 65k bonus for the Alaska Card but your link takes one to a 40K bonus? Did a search and can’t find a 65k bonus. Thanks
ahhh looks like the offer has ended! fingers crossed it comes back!
Amex Blue Business Plus Credit Card
Apply for an American Express Card with this link. We can both get rewarded if you’re approved.
http://refer.amex.us/HENRYhpqUM?XL=MIDCP
Hey Posting my referral link here. I love Amex gold. I use it for all groceries & restaurants. 4X point for stuff I’m already buying on regular basis. It’s a win-win.
You can earn 60k points applying through my link.
http://refer.amex.us/YENWECTjei?XL=MIDCP
Hello to everyone,
Hope you’re doing great!
Just leaving my referral link if anyone is interested. Would appreciate it!
Great card I love it! If you have any questions you can message me and I’ll try to help you.
http://refer.amex.us/ALBERM9ZJS?xl=cp15
If anyone’s still looking for a referral link for the Amex Platinum, 60K points if you’re approved. Help a girl out I just want to fly first class on my honey moon.
Apply for an American Express Card with this link. We can both get rewarded if you’re approved! http://refer.amex.us/KAYLETXHIu?xl=cp01
I used your link. Let me know if it worked
Amex Blue Business Plus Credit Card.
Apply for an American Express Card with this link. We can both get rewarded if you’re approved! http://refer.amex.us/AMITP1OyK?xl=cp19
60k Amex gold bonus. Best I’ve ever seen.
There’s a 60k points referral bonus On the Amex gold I just saw yesterday. One of my friends signed up for it.
http://refer.amex.us/DAVIdZAwFe?xl=cp01
So many great benefits with the AMEX Platinum. I am using it for free Netflix and $20 off my cell phone bill each month. Please consider my referral link and thank you
http://refer.amex.us/MARKWgxbU?XL=MIACP
Earn 60,000 bonus points with the Chase Sapphire Preferred card. That’s $750 toward travel. Interested in learning how? Click the link below
https://bit.ly/34YP9fz
American Express Platinum Referral. We can both get rewarded if you’re approved! http://refer.amex.us/CHERRHMZSy?XLINK=MYCP
I read this newsletter/blog every single day adjusting as we should. You have great tips and you make it look so easy. Wish it was that easy though. Right now trying to decide if i should add the Amex Platinum. That would mean I would have to downgrade my Amex Hilton which is a SOLID card. Still debating what to do since I also have the Sapphire Reserve. SO DIFFICULT…
That said here is a Hilton Link for 125,000 Hilton Honors Bonus Points after people use their new Hilton Honors American Express Surpass® Card to make $2,000 in purchases within the first 3 months of Card Membership.
Use it I need the help LOL http://refer.amex.us/FRANCR8VC7?XLINK=MYCP
I believe Alaska Business Visa has a $75 annual fee (for 1 card).
Otherwise good review and valuations.
Thanks so much! Regarding the Alaska Business – hmmm I’m still seeing offer $50 and $25 each additional. Are you seeing different?
Amex Blue is my favorite for non-bonus category spend.
Here’s a referral that includes 15k points –
http://refer.amex.us/DANIEPWdig?XLINK=MYCP
Hi,
I have been enjoying the blog and gotten a lot of information as well as followed some of your referrals over the months. I appreciate what yo are doing. I do not see that you have or have had any of the Amex Delta cards, at least I could not find posts on them.
Thanks
Love the content on both the blog and the new youtube vlogs. If it weren’t for Simmons aka Elizabeth aka “The Leopard Queen” I wouldn’t have ever ran into your content and for that i’m grateful. I’m always with a constant struggle with myself in regards to traveling whether it’d be one country or country hop against just staying put and paying the bills. It’s only since I’ve started following you that I’ve realized that seeking and seeing the world is possible and doesn’t have to cost an arm, a leg, and tubes of blood, sweat and tears. With that said, you’ve motivated and inspired me to country hope for two weeks in Europe. It may not be up to par with your travels (yet) but I’m finding ways to save and use my new card and it’s points! Thanks Monkey Miles for being such a motivator and eye-opener that life doesn’t have to be ball and chain to work; that we deserve to treat yourself with a little fun every now and then if you plan and think wisely.
With all that said, I hope to plug in my link below in hopes that others like myself will be motivated by you as well as help me by using my referral code for the United Explorer Card which can earn 40k bonus. The link is as follows: https://www.referyourchasecard.com/217/JER5IOP8J8. I don’t expect much out of it, but maybe a little luck will be on my side, regardless, I’m super thankful to you Zachary, and happy belated birthday!
Keasha – thank you so much, and we’re so excited to hear about your trip across Europe! I think you may get more traction on the link if you were to add it to our Chase Refer a Friend guide – https://monkeymiles.boardingarea.com/complete-guide-chase-refer-friend-bonuses-leave-links/ Thank you for reading and have a great time on your trip!!
My vote is for the Chase Sapphire Preferred Visa Card which I signed up for using Miles’ referral link last year! If you spend $4,000 in the 1st three months of having the card, you’ll receive 60,000 bonus points. This is ideal if you have a large purchase coming up or start your holiday shopping early! I use this as my primary card and there are extra point promotions for purchasing food, gas, using Apple Pay, etc. so there is usually an opportunity to earn more than 1 point per mile. Thanks so much if you’re using my referral link:
https://www.referyourchasecard.com/6a/I7GBGQXXVE
Referral for Chase Unlimited!
https://e.chase.com/T/v6000001772117be72bc9870f4bbcfd118/76018371c2f24d590000021ef3a0bcc2/76018371-c2f2-4d59-8861-982a5be3b0d5?__F__=v0fUYvjHMDjRPMSh3tviDHXIoXcPxvDgUUCCPvXMWoX_0JoZLAZABQF5mpMDVYup6cUHCziGgRJ2s2PlL0RJkYfGrp8FKILirOX7OIRj90D_orrZ6A8sOcsryJ4IZm5TRCO6qkN-cjeKZPSei4wQ_PY0yeMaT_A5lMUwPIartenKvfp07yZU5SSRqQsz5aNPr7FQGK1UO87aFsUoUSd_-2cYZwwIl6Tmj9I5uvfFzt1RBUfoijRegy6zzCEKk86tTzfSixjnwCsXkWMHovdNwHUyLlEWeYkKvdppTvdXYAyUWHmKedsg4QLR9z_neZhd5H
Here is another link for Chase Unlimited!
Earn $200 cash back with Chase Freedom Unlimited or Chase Freedom Flex credit card. I can be rewarded, learn more.
https://www.referyourchasecard.com/18/88F3KWZ3D4
Thanks in advance for using my link 🙂
wait. You literally have every single one of those cards????????
I have all of the ones that are listed under my wallet, drop down menu 🙂 I don’t have all of the top personal and business cards…yet 😉