Credit Card Reviews

SPG Amex Review: It’s Now Marriott Bonvoy Boundless & Business

spg amex card

***The SPG credit cards mentioned in this article are no longer available. Check out the new Marriott Bonvoy credit cards which replaced them.

 

The SPG Amex credit card used to be touted as one of the best travel credit cards. Is it still as good as it used to be? We’ll find out. Since the merger of Marriott and SPG (Starwood Preferred Guest) hotels, the co-branded credit cards have changed. Especially the SPG Amex credit cards due to the changes in their point structure.

 

During the merger, SPG points were converted at a 1:3 ratio into Marriott Rewards points. Because of this, the SPG Amex introductory offer changed from a typical 25,000 points to the now 75,000 points. The introductory offer was not the only thing that changed with the SPG Amex. We’ll review the Amex SPG card in more detail to figure out if it’s still a good credit card or not.

 

SPG Amex: Meet the New Marriott Bonvoy Cards

The SPG Amex credit cards made it through the merger still intact, but they had some changes in the process. Some of them are good and some of them are bad. We’ll try to decide whether the card is still good overall.

 

New Earning Potential with the SPG Amex Cards

The earning potential from the cards changed. Purchases used to earn 1X on all non-bonus spending. Now those purchases earn 2X points which may sound better but it’s not. SPG points were converted into Marriott points during the merger at a 3:1 ratio. This means that points are now a third as valuable. Because your purchases now earn 2 points, that means you’re getting a final value of 2/3 what you used to.

 

One positive change to how points are earned is the addition of bonus spending categories for the Amex SPG business card. It now earns 4X points on US restaurants, gas stations, on cell phone services from US providers and on US shipping purchases.

Free Night Awards on Your Cardmember Anniversary

The huge positive change to the cards is the addition of a free anniversary night at hotels up to Marriott category 5 (up to 35,000 points). Having a free night award each year more than offsets the annual fee that the cards hold. Marriott has 8 categories, but there are some amazing properties in category 5. Check out our review of the best Marriott category 5 resorts in the United States to get an idea of what you can use your free night on.

 

Elite Status with Marriott

With the Amex SPG business Card, you’ll earn automatic silver elite status and gold status if you spend over $35,000 on your card in a year. Silver Elite status within Marriott Rewards gives you a 10% earning bonus when you book a Marriott room and priority late checkout. These benefits aren’t worth much, but they’re better than nothing I suppose. Gold status gives you enhanced room upgrades, but spending $35,000 on this card might not be worth it.

 

Between the status upgrade and the extra spending benefits, it’s obvious that the business SPG Amex is the clear-cut winner between the two cards. If you’re able to get the business card, it’s a no-brainer over the personal card considering they have the same annual fee and the business card has more benefits. It’s mind-boggling why the two cards aren’t exactly the same as far as benefits.

amex spg card

 

Amex SPG Card

*No longer available

spg card art marriott category 5

  • Introductory Offer: You’ll earn 75,000 points after spending $3,000 in the first 3 months.
  • Anniversary Free Night: Earn 1 free award night at a category 1-5 Marriott property after your cardmember anniversary.
  • Boingo Wi-Fi: Enjoy complimentary, unlimited Boingo Wi-Fi on up to four devices after enrolling.
  • Bonus Earning Categories: You’ll earn 6X per $1 spent at Marriott Rewards and SPG hotels. Earn 2X points on all other qualifying purchases.
  • Annual Fee: $95 (waived in year 1)
  • Terms Apply

 

See the updated Marriott Bonvoy Boundless credit card.

 

Amex SPG Business Card

* No longer available

spg business card art marriott category 5

  • Introductory Offer: You’ll earn 75,000 points after spending $3,000 in the first 3 months.
  • Anniversary Free Night: Earn 1 free award night at a category 1-5 Marriott property after your cardmember anniversary.
  • Boingo Wi-Fi: Enjoy complimentary, unlimited Boingo Wi-Fi on up to four devices after enrolling.
  • Bonus Earning Categories: You’ll earn 6X per $1 spent at Marriott Rewards and SPG hotels. Earn 4X points at US restaurants, US gas stations, cell phone services from US service providers, and on US shipping purchases. 2X points on all other qualifying purchases.
  • Elite Status: Complimentary Silver Status with your Card. Earn Gold Elite status after spending $30,000 or more in eligible purchases on your Card in a calendar year. Note: starting January 1, 2019, the spend threshold will increase to $35,000.
  • Annual Fee: $95 (waived in year 1)
  • Terms Apply

 

See the updated Marriott Bonvoy Business credit card.

 

Marriott Rewards Points FAQ

  • Does Marriott Have Transfer Partners?

Yes, since the merger Marriott Rewards now has the most transfer partners of any points system. Marriott points can be transferred to airline miles at a 3:1 ratio (plus 5k bonus points for every 60k Marriott Rewards points transferred). The best airline options are Alaska Airlines, Japan Airlines, United Airlines, American Airlines, All Nippon Airways, and Korean Air.

  • How much are Marriott Rewards points worth?

Marriott Rewards Points are worth approximately 0.8 cents per point when redeemed for hotel stays and 0.7 cents when transferred to partner airlines.

  • Do Marriott Rewards points expire?

Yes, they only expire if you don’t earn or spend any Marriott Rewards points in a 24 month period. As long as you earn or spend at least 1 point, the expiration date will extend another 24 months. Because points are stored in your Marriott account and not in your credit card account, points will not expire if you cancel your card.

 

Booking Free Nights with Marriott Rewards Points

Marriott Rewards has eight different redemption categories, ranging from 7,500 points all the way up to 85,000 points per night. These point levels are for booking a standard room (not including peak and off-peak dates). As seen in our review of the category 5 resorts in the US, there are some great properties to stay at for a reasonable amount of points. Personally, I prefer the award chart of Hyatt to this as their points are much more valuable.

 

You can also transfer points from Chase Ultimate Rewards credit cards to Marriott just like you can with Hyatt. The problem is you’ll lose a ton of value transferring to Marriott because their points are worth so little compared to their competition.  Here is a chart that shows how many points it will take to book a free night in each Marriott Rewards category.

CategoryOff-PeakStandardPeak
15,0007,50010,000
210,00012,50015,000
315,00017,50020,000
420,00025,00030,000
530,00035,00040,000
640,00050,00060,000
750,00060,00070,000
870,00085,000100,000

 

Earning Marriott Rewards Points

Marriott Rewards points can be earned in multiple ways. By far the easiest way is by applying for any of the credit cards that earn Marriott Rewards, such as the two SPG Amex cards. You’ll earn enough Marriott Rewards points through the introductory offers to stay up to 10 nights at some of the lower end hotels or one night at their top end properties after a bit of spending.

 

You’ll also earn points by making purchases on the cards, although you could be earning more value by spending on other cards. It seems that with the new Marriott Rewards program, the best value for points is on their high-end luxury properties. They used to cost hundreds of thousands of points per night, but now can be had with 70,000 points if you book during the “Off-Peak” season.

 

Marriott Rewards’ 5th Award Night Free

One thing that is great about the Marriott Rewards program is their 5th Night Free perk on award nights. If you book a stay of 5 nights using your points, you’ll only pay the number of points for 4 nights. When booking a room at a Marriott category 8 hotel you would pay 340,000 points instead of 445,000 which is a pretty big chunk of points saved. With that said, keep in mind on your next Marriott stay that if you’re booking 4 nights, you might as well add an extra night considering it’s complimentary.

amex spg business card

 

Understanding Your Annual Free Night Award

After your cardmember anniversary with the SPG Amex credit cards, a free night award will appear in your Marriott Rewards account. You’ll find the award night on the “Activity” page. To use your free night award, you’ll log in to your account and search for a hotel night selecting the “Use reward points” checkbox. On the “Reservation Details” page, you’ll have the option to use your free night award. Continue booking your stay as you normally would. Your Free Award Night credit will be applied to the reservation giving you a free night.

 

Note, that at some hotels you will still have to pay a “Resort Fee”, which is a made up worthless fee charged by many hotels to get extra money out of you for basically nothing extra in return.

 

You’ll be able to use your free night award on any category 1-5 hotels, but be aware that only Marriott category 5 hotels with standard or off-peak pricing will be bookable. Category 5 peak pricing is above the 35,000 point limit that comes with your free night award.

 

Are you just short of having enough points for the room you want? When booking a stay with Marriott Rewards, you have the option to use both points and cash. This is pretty handy for those straggling points you can’t seem to figure out how to use. Also, if you have any other questions about booking a stay using Marriott Rewards you can check out Marriotts official FAQ page.

 

Redeeming at Category 5 Hotels will get the Best Value

As mentioned above, you can use your free night awards at any Marriott category 1-5 hotels, but you’ll usually get the most value if you stay at a category 5 resort. With the addition of Starwood hotels, there are now a total of 1138 Marriott category 5 hotels worldwide and 695 in the United States alone, so you’ll have many to choose from.

 

Free night awards at category 1-5 Marriott hotels can be worth a high value. The value of your stay ultimately depends on where you stay. Some Marriott category 5 resorts can save you upwards of $700 for a single night!

 

Yes, you’ll have to pay the $95 annual fee for the SPG Amex cards every year. But, if you use your free night award for a hotel stay costing more than $95, it’s worth it. It’s easy to find a hotel stay that will at least cover the $95 fee you pay. For instance, you could use your free night at the Westin Hapuna Beach Resort. It sometimes costs over $700 per night! By using your award it would be like paying $95 for a $700 room. I’d say that’s a pretty valuable redemption.

 

Remember, the best way to earn Marriott points is by getting an SPG credit card. Plus, you’ll get a free night award every anniversary.

*The SPG credit cards have been discontinued. Be sure to check out the new Marriott Bonvoy credit cards.

Does the Citi Prestige Compare to the Best Premium Travel Cards?

We have good news and bad news about the Citi Prestige credit card. We’ll give you the bad news first to get it out of the way. The Citi Prestige is no longer available for applications. Citi has pulled the plug on the Citi Prestige credit card but could reintroduce it at some point. While this is unfortunate, the good news is that there are some other good premium credit card options. If you were hoping to get a Citi Prestige card, you will instead want to look at the features of these comparable credit cards. From the sounds of it, Citi plans to reintroduce applications to the Citi Prestige card in January of 2019.

“Our go-to-market strategy continuously evolves to feature different products and offers. We remain committed to the Prestige product and servicing our valued existing cardmembers. We look forward to reintroducing the card for new cardmembers in the near future.”

-Citi Spokesperson

 

Yes, the Citi Prestige is one of the best premium credit cards available. But, you won’t be able to apply for it until it’s reintroduction in January 2019. In the meantime, there are a few other great premium credit cards. Fortunately, they do meet the same level of quality benefits when compared to the Citi Prestige.

citi prestige card

 

Features that the Citi Prestige will Offer (Application Reintroduction in Jan. 2019)

The Citi Prestige card was packed with features and benefits to make it such a great premium credit card. It featured an assortment of nice travel and entertainment benefits. The main benefit that none of the other available premium credit cards offer is the 4th night free. It allowed you to receive one free night during a hotel stay of four nights that was booked through Citi. Basically, equaling 25% off during that stay. It was an excellent benefit and will be missed dearly. Below are the features of the Citi Prestige that stood out.

  • Annual $250 “Travel” Credit – (Starting in January 2019)
  • Complimentary 4th Night Stay (Limited to twice yearly starting in September 2019)
  • Cell Phone Protection Plan (Starting in May 2019)
  • 5X Points on Dining and Air Travel (Starting in January 2019)
  • Airport Lounge Access
  • Global Entry or TSA PreCheck
  • Free Golf Benefit
  • Citi Concierge Service
  • Trip & Travel Insurance
  • Delayed and Lost Baggage Protection
  • Auto Rental Coverage
  • Annual fee of $450 (will rise to $495 in  September 2019)

 

Who the Citi Prestige Card was For

The Citi Prestige was a credit card for people who travel frequently and want premium travel benefits. The card was made for high spenders as the more money you spent on travel, the easier it was to justify paying the hefty annual fee. If you travel frequently, the annual travel credit, airport lounge access, complimentary 4th-night stay, adsnd  TSA PreCheck would far outweigh the fees. Especially because the travel credit was given every calendar year, so it was possible to receive the benefit twice within one annual fee cycle. Just because the Citi Prestige is no longer available for application, doesn’t mean premium travel benefits are gone. There are some other credit cards that offer very similar benefits to cardmembers.

citi prestige credit card

 

Other Premium Credit Cards that Compare to the Citi Prestige

While the Citi Prestige card is no longer available for application, there are some other premium credit cards that offer similar benefits. Some of these cards may even be better than what was offered by the Citi Prestige.  We’ll analyze both of the best currently offered premium credit cards and compare them to what the Citi Prestige was offering.

 

Chase Sapphire Reserve

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn 50,000 points after spending $4000 in the first 3 months.
REWARDS
You'll earn 3X points on travel and dining.
BENEFITS
$300 annual travel credit.
Priority Pass Select airport lounge access.
TSA PreCheck or Global Entry.
Points are worth 50% more when used in the Chase travel portal.
No foreign transaction fees.
1:1 point transfers to partner hotels and airlines.
FEES
$450
No foreign transaction fees.
TRAVEL FREEDOM THOUGHTS
This is one of the best premium travel credit cards if you want some luxury. It has a valuable signup bonus with easy to redeem points. You also get a boost to your points value in the Chase travel portal. The biggest key to this card is the airport lounge access. If you travel a lot, it's extremely valuable.

Read our full Chase Sapphire Reserve review.

 

Amex Platinum Card

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You’ll earn 60,000 Membership Rewards points after you spend $5,000 in the first 3 months.
REWARDS
You’ll earn 5X points on flights booked directly with airlines or through American Express Travel. You’ll earn 5X points on prepaid hotels booked on amextravel.com.
BENEFITS
Enjoy Uber VIP status and free rides in the U.S. up to $15 each month (bonus $20 in December).
Enjoy access to the exclusive Global Airport Lounge Collection.
$200 Airline Fee Credit, up to $200 every calendar year with one qualifying airline. Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your card. Enrollment required.
Fine Hotels & Resorts Access.
Hilton & Marriott Gold Status.
Discounts on First/Business/Premium Economy tickets.
FEES
$550 annual fee.
No foreign transaction fees.
Terms Apply
TRAVEL FREEDOM THOUGHTS
With a large introductory offer, statement credits, and airport lounge access, this is an excellent premium travel credit card.

Read our full Amex Platinum Card review.

 

Premium Benefits Compared to Citi Prestige

Annual Fees

  • Citi Prestige: $495
  • Sapphire Reserve: $450 ✔
  • Amex Platinum: $550

 

Introductory Offers

  • Citi Prestige: 50,000 Points after spending $4000 in the first 3 months
  • Sapphire Reserve: 50,000 Points after spending $4000 in the first 3 months ✔
  • Amex Platinum: 60,000 Points after spending $5000 in the first 3 months ✔

 

Airport Lounge Access

  • Citi Prestige: Priority Pass Select
  • Sapphire Reserve: Priority Pass Select
  • Amex Platinum: Priority Pass Select, Delta Skyclubs, Airspace Lounges, Centurion Lounges ✔

 

Travel Statement Credits

  • Citi Prestige: $250 Air Travel Credit, Global Entry/TSA PreCheck Credit
  • Sapphire Reserve: $300 Travel Credit, Global Entry/TSA PreCheck Credit ✔
  • Amex Platinum: $200 Airline Credit, $200 Uber Credit, Global Entry/TSA PreCheck Credit

 

Bonus Reward Earning Rates

  • Citi Prestige: 5 points on air travel & restaurants, 3 points on hotels and cruises, 1 point on everything else
  • Sapphire Reserve: 3 points on travel & dining, 1 point on everything else ✔
  • Amex Platinum: 5 points on airfare booked through American Express Travel, 1 point on everything else

 

Extra Perks

  • Citi Prestige: 4th night free on paid hotel bookings through Citi (starting September 2019 it’s capped at 2 times per year)
  • Sapphire Reserve: Special Benefits at Chase’s Luxury Hotel & Resort Collection
  • Amex Platinum: Discounted Premium Seats on International Flights, Marriott & Hilton Gold Status, Complimentary Boingo Wi-fi

citi prestige credit card

 

Final Results: Which Premium Credit Card is the Best?

So, which card is the best premium travel credit card to get instead of the (no longer available) Citi Prestige? After comparing the benefits offered by the two best premium credit cards and analyzing the results, there is a clear first and second place.

 

The Chase Sapphire Reserve card comes in first place with the most benefits compared to the amount paid in annual fees. It is the best premium credit card available in the market. The Platinum Card from American Express comes in second place. It packs a few more benefits, especially with extra lounge access, but also has a higher annual fee than the rest of the cards. Chase Ultimate Rewards and Membership Rewards points are both very valuable with the availability of transfer partners. Both types of points can be transferred to airlines and hotels making their introductory offers very valuable.

  1. Chase Sapphire Reserve

  2. The Platinum Card from American Express Learn More >

 

While annual fees of $450 or more may sound crazy, you can see that the benefits can far outweigh the fees. It really depends on your travel habits and what you value, as to which of these credit cards would be the best for you. They are both great credit cards and they compare well to the Citi Prestige card that is not currently available. It will be interesting to see what the Citi Prestige will have to offer when it is reintroduced. We’ll keep you updated.

The 5 Best Business Credit Cards for Travel Rewards

best business credit cards for travel rewards
Credit Card Introductory OfferAnnual FeeOur Thoughts 
Ink Business Preferred80,000 points$95Best business travel rewards credit card.LEARN HOW TO APPLY >>
Ink Business Cash$500 (50k points)No annual feeBest no fee business travel rewards credit card.LEARN HOW TO APPLY >>
Amex Business Platinum CardUp to 75,000 points$595Best business premium travel rewards credit card.LEARN HOW TO APPLY >>
Capital One Spark Miles50,000 miles$95 (waived year 1)Simple business travel rewards card.LEARN HOW TO APPLY >>
Ink Business Unlimited$500 (50k points)No annual feeSecond best no fee business travel rewards credit card.LEARN HOW TO APPLY >>

 

If you’re a business owner and are looking to travel more often and for less money, you should consider having one of the best business credit cards for travel rewards. You can put those business expenses to work and get something back from them. Free travel is what you can get back from your expenses.

 

Having a business is not only rewarding in the fact that you’ve created something on your own and are providing for yourself, but it opens doors to be able to earn even more travel points than the average person. There are a ton of very valuable business credit cards that can earn you enough points to travel for free very often. If you have expenses in your business, you might as well be earning something in return, right?

 

In this article, we’ll be discussing the best business credit cards for travel rewards. After reading it, you’ll be well on your way to earning that much-deserved vacation!

 

Let’s go ahead and get into the list of the 5 best business credit cards for travel rewards. We’ll start off with the credit card that boasts the best introductory offer of ANY travel rewards credit card.

 

1. Chase Ink Business Preferred

Chase Ink Business Preferred Credit Card

Chase Ink Business Preferred

80,000 points after spending $5,000 in 3 months

$95 Annual Fee

LEARN HOW TO APPLY >>

The Chase Ink Business Preferred card is by far the best business travel rewards credit card. In fact, we consider it to have the best introductory offer of ANY rewards card. It also has some benefits worth mentioning.

 

The Chase Ink Preferred card offers the best introductory offer of any credit card on the market. Travel Freedom values the introductory offer at a whopping $1600 when redeemed for travel. That’s more than double the value of many other popular travel rewards cards. Like the Sapphire cards, it earns Chase Ultimate Rewards points that are extremely valuable.

 

With the Chase Ink Preferred, you have access to the Chase airline and hotel transfer partners, as well as a 25% bonus in the Chase travel portal (like the Sapphire Preferred). This isn’t the only benefit of the Ink Preferred though. It also offers insurance on your cell phone in case you lose or break it, and primary insurance on rental cars. With a reasonable annual fee, this business card is quite possibly, pound for pound, the most value-packed credit cards of all.

 

Let’s take a deeper dive into the offerings of the Chase Ink Preferred card.

 

Ink Business Preferred

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn 80,000 points after spending $5000 in the first 3 months.
REWARDS
You'll earn 3X points on travel and select business expenses (including online social media ads).
*Limited to first $150k per year.
BENEFITS
Points are worth 25% more when used in the Chase travel portal.
No foreign transaction fees.
Employee cards at no additional cost.
FEES
$95
No foreign transaction fees.
TRAVEL FREEDOM THOUGHTS
The signup bonus alone for this card is amazing. Pair that with some great rewards earning for your business and this card is great. If you have a business, we find the Ink Preferred to be the best offer available.

 

The Pros

  • The best introductory offer of any card. Valued at around $1600.
  • Low annual fee compared to the benefits.
  • Airline & hotel Chase transfer partners available.
  • 25% bonus when spending points in the Chase travel portal.
  • Cell phone protection.
  • Earns bonus rewards on many popular business expenses.
  • Primary car rental insurance. (during business trips)
  • No foreign transaction fees.
  • Employee cards at no additional cost.

 

The Potential Cons

  • It’s only available to business owners (including sole proprietors).
  • The annual fee is not waived.

 

Our Overall Thoughts on the Chase Ink Business Preferred

The Chase Ink Preferred is our favorite overall card. Business or personal. It earns travel rewards points that can be used to get a lot of free travel. We absolutely love this card for its enormous introductory offer (valued at $1600) but also find it great for its other benefits and rewards. If you have any type of business (even a sole proprietorship such as a reseller, garage sale host, eBay seller, offer a local service, etc) you should consider adding this card to your wallet. It pays off big time!

 

As online business owners, we also find the rewards categories to be very helpful in earning more points. Reward bonuses include things like shipping, online advertising, and phone/internet service. If we’re earning 3 points per dollar and redeeming at a reward points value of 2 cents per point, that means we’re getting a 6% return on our expenses if we use it for travel. Pretty impressive returns, I’d say.

 

At Travel Freedom, we value this cards introductory offer at around $1600 if redeemed for travel. For more information on this card, you can read our full Chase Ink Business Preferred review.

 

2. Chase Ink Business Cash

Chase Ink Business Cash Credit Card

Chase Ink Business Cash

$500 (50,000 Ultimate Rewards) after spending $3,000 in 3 months

No Annual Fee

LEARN HOW TO APPLY >>

The Chase Ink Business Cash card is similar to the Ink Preferred card in many ways. It earns Chase Ultimate Rewards points but is marketed as a cash back card. If you pair this card with a primary Chase Ultimate Rewards card (Sapphire Preferred, Sapphire Reserve, Ink Preferred) you’ll be able to combine points and access the Chase transfer partners as well as get better redemption rates in the Chase travel portal. This is part of what makes all the Chase Ultimate Rewards cards so great. You’re able to transfer points between different card accounts to redeem at the full potential value.

 

The Chase Ink Cash card offers a large introductory offer that Travel Freedom values at around $1000 when redeemed for travel. As mentioned, Chase Ultimate Rewards points have airline and hotel transfer partners available, but they’re only accessible to primary Ultimate Rewards cardholders.

 

The things that really make this business card stand out are the introductory offer, the non-existent annual fee, and the 5X rewards categories. It’s unheard of for a card with no annual fee to have such a highly valued introductory offer. We value it at around $1000 if you have a primary Ultimate Rewards card to transfer the points to for travel redemption. On top of this, you’ll earn 5X rewards on office supply stores, cell phone service, and internet/cable. Maybe that office supply store even sells gift cards to other merchants you spend money at… For example, if you’re getting 5X rewards on your expenses and then redeem those points for a value of 2 cents per point, you’ll be getting a 10% return when used for travel.

 

Let’s take a deeper look at what the Chase Ink Business Cash card offers.

 

Ink Business Cash

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn $150 (in the form of 50,000 Ultimate Rewards points) after spending $3000 in the first 3 months.
REWARDS
You'll earn 5X points on internet, cable, phone, and office supply stores.
*Limited to first $25k per year.
Earn 2X at gas stations and restaurants.
*Limited to first $25k per year.
BENEFITS
Points can be transferred to primary Chase card accounts for better redemption.
Employee cards at no additional cost.
ANNUAL FEE
No annual fee
TRAVEL FREEDOM THOUGHTS
The signup bonus on this no-fee card is amazing. Pair that with some great 5X reward categories for your business and this card is great. This card pairs well with the Chase Sapphire cards and the Ink Preferred.

 

The Pros

  • A large introductory offer that we value at $1000 for travel.
  • No annual fee.
  • Airline transfer partners available (by transferring to primary Ultimate Rewards card).
  • Earn 5 points per dollar spent on valuable rewards categories.

 

The Potential Cons

  • Without a primary Ultimate Rewards card, transfer partners aren’t available.
  • 3% foreign transaction fee.

 

Our Overall Thoughts on the Chase Ink Business Cash

The Chase Ink Business Cash card is our favorite no annual fee business credit card that can earn travel rewards for a few reasons. First, it offers a great introductory offer and has no annual fee. On top of that, if you pair it with a primary Chase Ultimate Rewards card, it has airline and hotel transfer partners for redemption. This is a huge benefit because it allows you to redeem your points for a value of 2 cents or even more.

 

At Travel Freedom, we value this cards introductory offer at around $1000, if transferred to a primary Ultimate Rewards cards and redeemed for travel. For more information on this card, you can read our full Chase Ink Business Cash review.

 

3. Amex Business Platinum Card

AMEX Business Platinum Credit Card

Amex Business Platinum Card

50,000 points after spending $10,000 and another 25,000 points after spending an additional $10,000 in the first 3 months

$595 Annual Fee

LEARN HOW TO APPLY >>

The Amex Business Platinum Card is the best business card for premium travel and earning travel rewards points. If you want to start traveling in more luxury, the Amex Business Platinum Card can help get you there. You can use your business expenses to earn free luxury travel.

 

The main reason that the Amex Business Platinum is the best luxury business travel rewards credit card, is its extraordinary travel benefits. It offers amazing travel benefits that more than offset the steep annual fee if you travel often. The Amex Business Platinum Card is a business travel rewards credit card that’s aimed at people who have higher business expenses and who travel often enough to frequently take advantage of the benefits of the card.

 

Let’s take a deeper look at what the Amex Business Platinum Card offers.

 

Amex Business Platinum Card

LEARN HOW TO APPLY >>
INTRODUCTORY OFFER
You’ll earn up to 50,000 Membership Rewards points after you spend $10,000 in the first 3 months, and another 25,000 Membership Rewards after spending an additional $10,000 in the first 3 months.
REWARDS
You’ll earn 5X points on flights booked directly with airlines or through American Express Travel. You’ll earn 5X points on prepaid hotels booked on amextravel.com.
Earn 50% more points on purchases over $5000. (up to 1 million bonus points.)
BENEFITS
$200 airline credit.
Global Lounge Collection access.
TSA PreCheck or Global Entry
Get 35% back when booking a flight with Membership Rewards on a select airline.
Two $100 statement credits from Dell annually.
1 year of Platinum Global access to WeWork. (enrollment through 2019)
FEES
$595 annual fee.
No foreign transaction fees
Terms Apply
TRAVEL FREEDOM THOUGHTS
If you have many high ticket purchases yearly, this card will earn you a good percentage back. The WeWork membership could be very valuable, if you need a place to work for a year.

 

The Pros

  • A large base introductory offer that we value at around $1000 for travel. Raise that to $1500 if you can meet both tiers of the offer.
  • Tons of luxurious travel benefits including expedited airport security, airport lounge access, elite status, statement credits, etc.
  • Global Entry or TSA PreCheck statement credit.
  • Airline & hotel transfer partners available.
  • 35% airline bonus when spending points on premium flights through Amex Travel.
  • WeWork membership
  • Earn 5X on Amex Travel.
  • No foreign transaction fees.
  • Secondary car rental insurance.

 

The Potential Cons

  • The only rewards categories are on travel and large purchases.
  • The annual fee is very high.

 

Our Overall Thoughts on the Amex Business Platinum Card

The Amex Business Platinum Card is a great card for a specific person in mind. It’s aimed at business owners that have high expenses and travel often. If that’s you, then this is the perfect credit card for your business. It will allow you to gain access to a multitude of luxurious travel benefits and will also earn a lot of valuable travel rewards points.

 

At Travel Freedom, we value this cards base introductory offer at around $1000 if redeemed for travel. For more information on this card, you can read our full Amex Business Platinum Card review.

 

4. Capital One Spark Miles

Capital One Spark Miles for Business

Capital One Spark Miles

50,000 points after spending $4,500 in 3 months

$95 Annual Fee (waived year 1)

LEARN HOW TO APPLY >>

The Capital One Spark Miles is a very simple, but solid business credit card for travel rewards. It has a good introductory offer and has a reasonable annual fee, which is waived in the first year. Similar to the Capital One Venture personal credit card, the Spark Miles earns 2 points for every dollar spent. It’s all about simplicity in earning rewards.

 

It offers a very good introductory offer that Travel Freedom values at about $700 when redeemed for travel. It also waives its normal $95 annual fee in the first year of card membership. The Spark Miles doesn’t have many frills but also doesn’t have many flaws. It’s a good card for earning travel points and having everything be simple.

 

Let’s take a deeper look at what the Capital One Spark Miles offers.

 

Capital One Spark Miles

LEARN HOW TO APPLY >>
INTRODUCTORY OFFER
You’ll earn 50,000 points after you spend $4,500 in the first 3 months.
REWARDS
You’ll earn 2X points on every purchase.
BENEFITS
No limits on earning points.
FEES
$95 annual fee. (waived year 1)
TRAVEL FREEDOM THOUGHTS
This is a good business travel credit card. It offers a large introductory offer and the annual fee is waived the first year.

 

The Pros

  • A good introductory offer.
  • Waived annual fee in year one.
  • Earn 2X points on all purchases.

 

The Potential Cons

  • No rewards category bonuses.
  • Has an annual fee after year one.
  • Not many travel partner options for redemption.

 

Our Overall Thoughts on the Capital One Spark Miles

While nothing about the Capital One Spark Miles is spectacular, it’s a solid business card. It offers a generous introductory offer and has a simple way to earn points through business expenses. It’s aimed at those who don’t want to worry about rewards categories. It’s simply a good business credit card for travel rewards.

 

At Travel Freedom, we value this cards introductory offer at around $700 if redeemed for travel. For more information on this card, you can read our full Capital One Spark Miles review.

 

5. Chase Ink Business Unlimited

Chase Ink Business Unlimited Credit Card

Chase Ink Business Unlimited

$500 (50,000 Ultimate Rewards) after spending $3,000 in 3 months

No Annual Fee

LEARN HOW TO APPLY >>

The Chase Ink Business Unlimited card is very similar to the other Chase Ink credit cards. It also earns Chase Ultimate Rewards points, but like the Ink Cash card, is marketed as a cash back card. pairing this card with a primary Chase Ultimate Rewards card (Sapphire Preferred, Sapphire Reserve, Ink Preferred) you’ll be able to combine points and access the Chase transfer partners as well as get better redemption rates in the Chase travel portal.

 

This is part of what makes all the Chase Ultimate Rewards cards so great. You’re able to transfer points between different card accounts to redeem them at their full potential value of 2 cents per point or more.

 

The Chase Ink Unlimited card offers a large introductory offer that Travel Freedom values at around $1000 when redeemed for travel. As mentioned, Chase Ultimate Rewards points have airline and hotel transfer partners available, but they’re only accessible to primary Ultimate Rewards cardholders.

 

The things that really make this business card stand out are the introductory offer, the non-existent annual fee, and the simplicity of earning rewards. Every purchase with the Ink Unlimited earns 1.5X points. For this reason, it’s a great card to pair with another Ink card. Anything you don’t earn a category bonus on can be purchased with the Ink Business Unlimited.

 

Like the Ink Cash, it has a huge introductory offer for a card with no annual fee. We value it at around $1000 if you pair it with a primary Ultimate Rewards card to transfer the points to for travel redemption.

 

Let’s take a deeper look at what the Chase Ink Business Unlimited card offers.

 

Ink Business Unlimited

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn $500 (in the form of 50,000 Ultimate Rewards points) after spending $3000 in the first 3 months.
REWARDS
You'll earn 1.5X on all purchases. No limit.
BENEFITS
Points can be transferred to primary Chase card accounts for better redemption.
Employee cards at no additional cost.
ANNUAL FEE
No annual fee
TRAVEL FREEDOM THOUGHTS
The signup bonus on this no-fee card is amazing. Pair that with 1.5X rewards on every purchase for your business and this card is great. This card pairs well with the Chase Sapphire cards and the Ink Preferred.

 

The Pros

  • A large introductory offer that we value at $1000 for travel.
  • No annual fee.
  • Airline and hotel transfer partners available (by transferring to primary Ultimate Rewards card).
  • Earn 1.5X points per dollar spent on all purchases.

 

The Potential Cons

  • Without a primary Ultimate Rewards card, transfer partners aren’t available.
  • 3% foreign transaction fee.
  • No rewards category bonuses.

 

Our Overall Thoughts on the Chase Ink Business Unlimited

The Chase Ink Business Unlimited card is our second favorite no annual fee business credit card that can earn travel rewards for a few reasons. First, it offers a great introductory offer and has no annual fee. On top of that, if you pair it with a primary Chase Ultimate Rewards card, it has airline and hotel transfer partners for redemption. This is a huge benefit because it allows you to redeem your points for a value of 2 cents or even more.

 

At Travel Freedom, we value this cards introductory offer at around $1000, if transferred to a primary Ultimate Rewards cards and redeemed for travel. For more information on this card, you can read our full Chase Ink Business Unlimited review.

 

The Best Business Credit Cards for Travel Rewards

As you can see, there are many great business credit cards for travel rewards available. These are the Travel Freedom top 5 business travel rewards credit cards. Any of them are great options if you’re looking to earn more travel through your business expenses.

 

We earn enough points through travel rewards credit cards to travel for free most of the time. You can do it too. And, if you have a business, you can do it even easier. Good luck choosing the best business credit cards for travel rewards and have fun traveling!

 

Credit Card Introductory OfferAnnual FeeOur Thoughts 
Ink Business Preferred80,000 points$95Best business travel rewards credit card.LEARN HOW TO APPLY >>
Ink Business Cash$500 (50k points)No annual feeBest no fee business travel rewards credit card.LEARN HOW TO APPLY >>
Amex Business Platinum CardUp to 75,000 points$595Best business premium travel rewards credit card.LEARN HOW TO APPLY >>
Capital One Spark Miles50,000 miles$95 (waived year 1)Simple business travel rewards card.LEARN HOW TO APPLY >>
Ink Business Unlimited$500 (50k points)No annual feeSecond best no fee business travel rewards credit card.LEARN HOW TO APPLY >>

The 5 Best Travel Rewards Credit Cards

best travel rewards credit cards
Credit Card Introductory OfferAnnual FeeOur Thoughts 
Chase Sapphire Preferred60,000 points$95Best first travel credit card.LEARN HOW TO APPLY >>
Capital One Venture50,000 miles$95 (waived year 1)Great travel rewards credit card for simplicity.LEARN HOW TO APPLY >>
Chase Sapphire Reserve50,000 points$450Best premium travel rewards credit cardLEARN HOW TO APPLY >>
Amex Platinum60,000 points$550Best ultra luxury travel rewards credit card.LEARN HOW TO APPLY >>
Ink Business Preferred80,000 points$95Best business travel rewards credit card.LEARN HOW TO APPLY >>

 

If you’re looking to travel more often and for less money, you should consider having travel rewards credit cards. They make it possible to earn enough travel points and miles to travel for cheap and sometimes even for free.

 

Since 2012, I’ve been earning thousands and thousands of points, mostly through travel rewards credit cards. I earn massive amounts of points through the credit card introductory offers and also through earning rewards on purchases I regularly make. Because I’ve always been a little bit entrepreneurial, I’ve had at least a sole proprietorship as a business which allows me to get business credit cards as well as personal cards.

 

In this article, we’ll mostly be discussing the best personal travel rewards credit cards. But, just know that there are also many business cards that can earn a ton of travel rewards as well.

 

Using travel rewards points, my wife and I have been able to visit friends all over the country, often go on “weekend-cations” (as we like to call them), and have been able to go to Hawaii at least one time each year over. The best part is we’ve rarely had to pay for flight or hotels. We use our almost endless supply of points that we earn through travel rewards credit cards. There’s no catch to it and this type of travel is widely available. You just have to be willing to learn and put in a little time to book with points.

 

Let’s go ahead and get into the list of the 5 best travel rewards credit cards. We’ll start off with arguably the best travel rewards credit card of them all.

 

1. Chase Sapphire Preferred

chase sapphire preferred credit card art

Chase Sapphire Preferred

60,000 points after spending $4,000 in 3 months

$95 Annual Fee

LEARN HOW TO APPLY >>

The Chase Sapphire Preferred is often referred to by travel experts as one of the best travel rewards credit cards. It’s especially good for people who are just getting started with travel rewards, and is touted as the “best first travel credit card”.

 

The main reason that the Chase Sapphire Preferred is the best travel rewards credit card, is its introductory offer. The amount of points you’ll earn right off the bat is enough for a nice vacation. Travel Freedom values the introductory offer of the Chase Sapphire Preferred to be well over $1000 towards travel. The card also has a very reasonable annual fee compared to the value that the card offers. It’s always nice to be able to earn a bunch of travel points without having to pay a huge annual fee each year.

 

Let’s take a deeper look at what the Chase Sapphire Preferred card offers.

 

Chase Sapphire Preferred

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn 60,000 points after spending $4000 in the first 3 months.
REWARDS
You'll earn 2X points on travel and dining.
BENEFITS
Points are worth 25% more when used in the Chase travel portal.
No foreign transaction fees.
1:1 point transfer partner hotels and airlines.
FEES
$95
No foreign transaction fees.
TRAVEL FREEDOM THOUGHTS
This is the best first travel credit card to get. It has a valuable signup bonus with easy to redeem points. You also get a boost to your points value in the Chase travel portal.

 

The Pros

  • A huge introductory offer that we value at more than $1000 for travel.
  • Low annual fee compared to the benefits.
  • Airline & hotel Chase transfer partners available.
  • 25% bonus when spending points in the Chase travel portal.
  • No foreign transaction fees.

 

The Potential Cons

  • The only rewards category is 2X on travel.
  • It has an annual fee that is not waived.

 

Our Overall Thoughts on the Chase Sapphire Preferred

The Chase Sapphire Preferred is our overall best travel rewards credit card for a few reasons. It offers a large introductory offer compared to a low annual fee. Plus, the Chase Ultimate Rewards points you’ll earn are the most valuable and versatile points of all. They can be used for travel in a variety of ways, including through the Chase travel portal, or by transferring points to a wide range of hotels and airlines.

 

At Travel Freedom, we value this cards introductory offer at well over $1000 if redeemed for travel. For more information on this card, you can read our full Chase Sapphire Preferred review.

 

2. Capital One Venture Rewards

Capital One Venture Credit Card Review

Capital One Venture

50,000 points after spending $3,000 in 3 months

$95 Annual Fee (waived year 1)

LEARN HOW TO APPLY >>

The Capital One Venture Rewards card is similar to the Chase Sapphire Preferred card in many ways. It’s also a great card to get started earning travel points with because they can be used in a variety of ways to earn free travel.

 

The Capital One Venture Rewards card offers a large introductory offer that Travel Freedom values at around $700 when redeemed for travel. Capital One points also have airline transfer partners, but they’re not quite as good as the Chase transfer partners. While they do offer transfers to some airlines that offer valuable redemptions, the points, unfortunately, don’t transfer to any of the US airlines.

 

In a couple of ways, the Capital One Venture card is actually better than the Chase Sapphire Preferred. It offers a statement credit towards either Global Entry or TSA PreCheck. Both of which give you expedited airport security for a five year period. If you don’t already have either of these memberships, it’s absolutely a life-changer. You can keep your belongings all in your bag and your shoes on at security. Global Entry can also save you a ton of time re-entering the United States at customs. The Capital One Venture Rewards card offers all of this and also waives the annual fee in year one. That means in the first year of having the card, you get all these benefits without having to pay an annual fee.

 

Let’s take a deeper look at what the Capital One Venture Rewards card offers.

 

Capital One Venture

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You’ll earn 50,000 points after you spend $3,000 in the first 3 months.
REWARDS
You’ll earn 2X points on every purchase.
BENEFITS
Statement credit for Global Entry or TSA PreCheck.
Transfer points to airline and hotel travel partners.
FEES
$95 annual fee. (waived year 1)
No foreign transaction fees.
TRAVEL FREEDOM THOUGHTS
This is a great travel credit card. It offers a large introductory offer, free TSA PreCheck for 5 years, plus the annual fee is waived the first year.

 

The Pros

  • A large introductory offer that we value at $700 for travel.
  • Waived annual fee in the first year.
  • Airline transfer partners available.
  • Earn 2 points per dollar spent on every purchase.
  • No foreign transaction fees.

 

The Potential Cons

  • Airline transfer partners are limited. No US airlines.
  • It has an annual fee after the first year.

 

Our Overall Thoughts on the Capital One Venture Rewards

The Capital One Venture Rewards is our second favorite travel rewards credit card for a few reasons. First, it offers a great introductory offer and also waives the annual fee in the first year. On top of that, it has airline transfer partners for redemption and allows you to get Global Entry or TSA PreCheck for free.

 

At Travel Freedom, we value this cards introductory offer at around $700 if redeemed for travel. For more information on this card, you can read our full Capital One Venture review.

 

3. Chase Sapphire Reserve

Chase Sapphire Reserve

50,000 points after spending $4,000 in 3 months

$450 Annual Fee

LEARN HOW TO APPLY >>

The Chase Sapphire Reserve is the best of the premium travel rewards credit cards. If you want to start traveling in more luxury, the Chase Sapphire Reserve can help get you there. It’s like the Chase Sapphire Preferred on travel benefit enhancing steroids.

 

The main reason that the Chase Sapphire Reserve is the best premium travel rewards credit card, is its extraordinary travel benefits. While you’ll get a lower introductory offer and a higher annual fee than the Preferred card, it offers amazing benefits that more than offset the negative differences. The Chase Sapphire Reserve is a travel rewards credit card that is aimed at people who travel often and can frequently take advantage of its benefits.

 

Let’s take a deeper look at what the Chase Sapphire Reserve card offers.

 

Chase Sapphire Reserve

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn 50,000 points after spending $4000 in the first 3 months.
REWARDS
You'll earn 3X points on travel and dining.
BENEFITS
$300 annual travel credit.
Priority Pass Select airport lounge access.
TSA PreCheck or Global Entry.
Points are worth 50% more when used in the Chase travel portal.
No foreign transaction fees.
1:1 point transfers to partner hotels and airlines.
FEES
$450
No foreign transaction fees.
TRAVEL FREEDOM THOUGHTS
This is one of the best premium travel credit cards if you want some luxury. It has a valuable signup bonus with easy to redeem points. You also get a boost to your points value in the Chase travel portal. The biggest key to this card is the airport lounge access. If you travel a lot, it's extremely valuable.

 

The Pros

  • A large introductory offer that we value at around $1000 for travel.
  • Tons of luxurious travel benefits.
  • Airline & hotel Chase transfer partners available.
  • 50% bonus when spending points in the Chase travel portal.
  • No foreign transaction fees.
  • Primary car rental insurance.

 

The Potential Cons

  • The only rewards categories are 3X on travel and dining.
  • The annual fee is very high.

 

Our Overall Thoughts on the Chase Sapphire Reserve

The Chase Sapphire Reserve is the best premium travel rewards credit card in our opinion. For someone who travels often, it offers benefits that far outweigh the high annual fee. Having expedited security, airport lounge access, primary rental car insurance, a $300 annual travel statement credit, and a 50% bonus when redeeming in the Chase travel portal, make this card one of our favorites. We originally thought that we’d end up converting this card to a no-fee credit card, but the benefits are so valuable that we continue to keep this card in our wallet.

 

At Travel Freedom, we value this cards introductory offer at around $1000 if redeemed for travel. For more information on this card, you can read our full Chase Sapphire Reserve review.

 

4. Amex Platinum Card

american express platinum card

Amex Platinum Card

60,000 points after spending $5,000 in 3 months

$550 Annual Fee

LEARN HOW TO APPLY >>

The American Express Platinum Card is another premium travel rewards credit card. It has benefits similar to the Chase Sapphire Reserve and is another card that adds a ton of value for those who travel often. Due to its rewards, the Amex Platinum Card allows you to travel in luxury without paying the big bucks.

 

The Amex Platinum offers a very good introductory offer that Travel Freedom values at over $1000 when redeemed for travel. It also comes with a very high annual fee. Fortunately, the annual fee is offset by the vast travel benefits that the card offers. With the best airport lounge access of any credit card, expedited airport security, multiple types of travel statement credits, hotel elite status, and huge discounts on luxury hotels and premium seats on flights, the Platinum card is the most luxurious travel rewards credit card of all. Even more so than the Chase Sapphire Reserve. This card is meant for people who like to travel often and luxuriously.

 

Let’s take a deeper look at what the Amex Platinum Card offers.

 

Amex Platinum Card

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You’ll earn 60,000 Membership Rewards points after you spend $5,000 in the first 3 months.
REWARDS
You’ll earn 5X points on flights booked directly with airlines or through American Express Travel. You’ll earn 5X points on prepaid hotels booked on amextravel.com.
BENEFITS
Enjoy Uber VIP status and free rides in the U.S. up to $15 each month (bonus $20 in December).
Enjoy access to the exclusive Global Airport Lounge Collection.
$200 Airline Fee Credit, up to $200 every calendar year with one qualifying airline. Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your card. Enrollment required.
Fine Hotels & Resorts Access.
Hilton & Marriott Gold Status.
Discounts on First/Business/Premium Economy tickets.
FEES
$550 annual fee.
No foreign transaction fees.
Terms Apply
TRAVEL FREEDOM THOUGHTS
With a large introductory offer, statement credits, and airport lounge access, this is an excellent premium travel credit card.

 

The Pros

  • A large introductory offer that we value over $1000 for travel.
  • Luxurious travel benefits at airports, on flights, and at hotels.
  • Multiple statement credits each year (Uber, airline, Saks 5th Ave).
  • Airline and hotel transfer partners available.
  • Earn 5X rewards on certain travel.
  • No foreign transaction fees.

 

The Potential Cons

  • Very high annual fee.
  • Only earns bonus rewards on travel categories.
  • Not as useful for non-frequent travelers.

 

Our Overall Thoughts on the Amex Platinum Card

While we grade the Chase Sapphire Reserve as the best premium travel rewards credit card, the Amex Platinum isn’t far behind. The only reason we don’t like it quite as much is the travel credit is not as broad and the annual fee is higher. Other than those two features, the Amex Platinum is superior. It’s especially valuable to people who like to travel luxuriously, as there are no other cards that match the premium benefits of the Amex Platinum.

 

At Travel Freedom, we value this cards introductory offer at over $1000 if redeemed for travel. For more information on this card, you can read our full Amex Platinum Card review.

 

5. Chase Ink Preferred (this one’s a business card)

Chase Ink Business Preferred Credit Card

Chase Ink Business Preferred

80,000 points after spending $5,000 in 3 months

$95 Annual Fee

LEARN HOW TO APPLY >>

The Chase Ink Business Preferred card is by far the best business travel rewards credit card. In fact, we consider it to have the best introductory offer of ANY rewards card. It also has some benefits worth mentioning.

 

The Chase Ink Preferred card offers the best introductory offer of any credit card on the market. Travel Freedom values the introductory offer at a whopping $1600 when redeemed for travel. That’s more than double the value of many other popular travel rewards cards. Like the Sapphire cards, it earns Chase Ultimate Rewards points that are extremely valuable.

 

With the Chase Ink Preferred, you have access to the Chase airline and hotel transfer partners, as well as a 25% bonus in the Chase travel portal (like the Sapphire Preferred). This isn’t the only benefit of the Ink Preferred though. It also offers insurance on your cell phone in case you lose or break it, and primary insurance on rental cars. With a reasonable annual fee, this business card is quite possibly, pound for pound, the most value-packed credit cards of all.

 

Let’s take a deeper look at what the Chase Ink Preferred card offers.

 

Ink Business Preferred

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn 80,000 points after spending $5000 in the first 3 months.
REWARDS
You'll earn 3X points on travel and select business expenses (including online social media ads).
*Limited to first $150k per year.
BENEFITS
Points are worth 25% more when used in the Chase travel portal.
No foreign transaction fees.
Employee cards at no additional cost.
FEES
$95
No foreign transaction fees.
TRAVEL FREEDOM THOUGHTS
The signup bonus alone for this card is amazing. Pair that with some great rewards earning for your business and this card is great. If you have a business, we find the Ink Preferred to be the best offer available.

 

The Pros

  • The best introductory offer of any card. Valued at around $1600.
  • Low annual fee compared to the benefits.
  • Airline & hotel Chase transfer partners available.
  • 25% bonus when spending points in the Chase travel portal.
  • Cell phone protection.
  • Earns bonus rewards on many popular business expenses.
  • Primary car rental insurance. (during business trips)
  • No foreign transaction fees.
  • Employee cards at no additional cost.

 

The Potential Cons

  • It’s only available to business owners (including sole proprietors).
  • The annual fee is not waived.

 

Our Overall Thoughts on the Chase Ink Preferred

The Chase Ink Preferred is our favorite overall card. While it’s a business card, it also earns travel rewards points and can be used to get a lot of free travel. We love this card for its enormous introductory offer (valued at $1600), but also find it great for its other benefits and rewards. If you have any type of business (even a sole proprietorship such as a reseller, garage sale host, eBay seller, or offer a local service) you should consider adding this card to your wallet. It pays off big time!

 

At Travel Freedom, we value this cards introductory offer at around $1600 if redeemed for travel. For more information on this card, you can read our full Chase Ink Preferred review.

 

The Best Travel Rewards Credit Cards

As you can see, there are many great travel rewards credit cards available. These are the Travel Freedom top 5 travel rewards credit cards. Any of them are great options if you’re looking to travel more and hopefully travel for free. We earn enough points through travel rewards credit cards to travel for free most of the time. You can do it too! Good luck choosing the best travel rewards credit card for yourself and have fun traveling!

 

Credit Card Introductory OfferAnnual FeeOur Thoughts 
Chase Sapphire Preferred60,000 points$95Best first travel credit card.LEARN HOW TO APPLY >>
Capital One Venture50,000 miles$95 (waived year 1)Great travel rewards credit card for simplicity.LEARN HOW TO APPLY >>
Chase Sapphire Reserve50,000 points$450Best premium travel rewards credit cardLEARN HOW TO APPLY >>
Amex Platinum60,000 points$550Best ultra luxury travel rewards credit card.LEARN HOW TO APPLY >>
Ink Business Preferred80,000 points$95Best business travel rewards credit card.LEARN HOW TO APPLY >>

Chase Sapphire Preferred Review: Best First Travel Credit Card

Chase Sapphire Preferred Review
chase sapphire preferred credit card art

Chase Sapphire Preferred

60,000 points after spending $4,000 in 3 months

$95 Annual Fee

LEARN HOW TO APPLY >>

Using credit cards is an important part of life for many people. When you are using your credit card, you want it to be as convenient as possible. Those who are traveling regularly on business or for pleasure will want their credit cards to offer them good perks. For this reason, travel credit cards have continued to increase in popularity over the years. One of the most popular and prevalent travel rewards credit cards is the Chase Sapphire Preferred Card.

 

It has been around for a long time and continues to offer customers robust and convenient perks. If you like to travel or if you need to travel regularly for your job, then it will pay to have a good credit card such as this in your wallet. You want to make sure that you are getting the very best travel credit card to suit your needs, though.

 

Take the time to read our review of the Chase Sapphire Preferred Card. It should give you all of the crucial information that you need to know. It will be a lot simpler to figure out just how good this card is and whether or not it is going to earn a place in your wallet. Every aspect of the card will be examined and you will have access to all of the important details.

 

The value of one credit card introductory bonus can be of enormous value. The Chase Sapphire Preferred offers a very nice signup bonus and good benefits. Credit card signup bonuses are the points or miles that a bank is willing to give you when you sign up for their credit card and meet an initial spending level that they designate. A typical credit card introductory bonus could be something like 50,000 points or miles for signing up for a particular credit card and spending $3000 on that card within the first 3 months of applying.

 

 

Chase Sapphire Preferred

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn 60,000 points after spending $4000 in the first 3 months.
REWARDS
You'll earn 2X points on travel and dining.
BENEFITS
Points are worth 25% more when used in the Chase travel portal.
No foreign transaction fees.
1:1 point transfer partner hotels and airlines.
FEES
$95
No foreign transaction fees.
TRAVEL FREEDOM THOUGHTS
This is the best first travel credit card to get. It has a valuable signup bonus with easy to redeem points. You also get a boost to your points value in the Chase travel portal.

 

The Best First Travel Credit Card

The card that I refer to people who are interested in earning travel points through credit cards is most often the Chase Sapphire Preferred card. It typically offers 60,000 Chase Ultimate Rewards points after spending $4,000 within the first three months of having the card. The offer changes occasionally in how many points are offered or how much the initial minimum spend is.

 

Whenever someone asks me what credit card is best to get first, I always ask them what they want to achieve with the points. Usually, the person asking has no idea, they just know that they want to travel more. In this situation, the Chase Sapphire Preferred card is one of the best offers around due to its versatility. It allows the customer to either spend their Chase Ultimate Rewards points directly with Chase or transfer to an array of airlines and hotels.

 

The transferring of the points will typically give a more valuable redemption. I’ll share a recent example of what the points from signing up for this one card, the Chase Sapphire Preferred, achieved for someone in real life. My sister-in-law and her husband recently took advantage of this offer to book all of the flights for their Hawaiian honeymoon!

 

First, let’s go over the details of the Chase Sapphire Preferred.

 

 

Chase mentions that this signup bonus is worth $750 worth of travel. While that’s true if booked through the Chase travel portal, I’m going to show you that those points can be worth quite a bit more. How much more? You’ll see… it’s pretty crazy!

 

Features

This is a full-featured credit card that is going to work out great for most people. It has the potential to earn you travel rewards at a very good rate. Most of the appeal of this credit card is going to have to do with the reward structure. Even so, there are some other interesting features that you should take note of.

 

For instance, this card has the potential for a very big sign-up bonus. If you are able to spend a certain amount on your new credit card within the first three months, then you can earn a large number of points. This helps you to redeem rewards rather quickly and it is something that you can turn into real rewards fast. If a sign-up bonus is something that appeals to you, then you should know that this card has a good offer.

 

Another great feature of this card is just how flexible the redemption options are. It is possible to redeem your points in the form of cash back or as gift cards. You can also choose to redeem your points in the form of travel. When choosing to book through Chase, you will be able to save an extra 20% of your money, increasing the overall value of those points that you have been earning.

 

The travel options that you can make use of through Chase are all really good too. Chase has many different airline and hotel partners that will allow you to use your rewards points effectively. This should help you to get to where you want to go as easily as possible. If you want to have a great traveling experience while continuing to earn rewards, then using the Chase Sapphire Preferred Card is a fantastic idea.

 

It should also be noted that this card can link up with the Chase Freedom line of cards. Using different rewards cards in tandem can help you to really maximize your benefits. If you use the two credit cards intelligently, then it will be possible to earn extra rewards points during travel bonus category months. This is worth mentioning due to the overall popularity of the Chase Freedom cards so if you have one already, then it makes getting this card an even more attractive option.

chase sapphire preferred honeymoon

 

Benefits

As you might expect, this Chase Sapphire Preferred Card comes with many great benefits for you to enjoy. One of the most useful benefits is the purchase protection guarantee. You will be able to use this card while enjoying protections against certain problems. It has a $500 claim maximum per item and a limit of $50,000 worth of claims per account.

 

You will also be able to make use of trip delay insurance while using this card. The trip delay insurance will offer up to $500 per ticket. You will be able to use up to $10,000 in trip cancellation insurance too so you can keep yourself safe from potential travel problems. This card even protects your luggage with $100 per day baggage delay coverage and luggage reimbursement insurance of up to $3000 per person.

 

This card can also be used to help you out with your rental cars. You can use this credit card as primary insurance coverage for a rental car. This can keep your costs low and it will cover any issues with the car just as a normal primary insurance policy would. This is a very useful feature that is sure to help regular travelers out.

Fees

Prices and fees are always going to be big factors in deciding how good a credit card is. If you are going to be using a credit card regularly, then you do not want there to be fees that are not agreeable to you. There is an annual fee that is associated with this credit card. That may seem like bad news at first, but it’s moderate at $95.

 

After the first year, you are going to be paying $95 per year for the privilege of using this credit card. Overall, that is not too unreasonable. This falls in line with the fees that other credit card companies offer. It is a reasonable annual fee that should not come across as too much of a burden to you.

 

The APR on this credit card is not anything that is particularly good or bad. It is a fairly standard APR that should work out pretty nicely for you. This is a card that keeps its fees lows and keeps its interest rates in a good range. You should be able to appreciate the customer-friendly nature of this credit card.

 

Speaking of being customer-friendly, you will also be able to enjoy the perk of having no foreign transaction fees while using this card. This is an important feature for a travel credit card to have. If you plan on traveling abroad using this credit card, then you will not have to worry about being saddled with extra fees. It makes it easy to recommend this card for people who are going to be traveling outside of the country.

 

 

Rewards Program Info

This rewards program is going to be very helpful to people who travel all the time. You will be able to earn 2X reward points on all of your travel expenses. You will also be earning the 2X reward points on any of your dining expenses. This is going to help you to rack up the bonus points very quickly and redeeming the points for real rewards will always be easy.

 

One good thing to note is that these categories are actually quite broad. For instance, the dining category is going to earn you 2X points on purchases at restaurants. This is also going to earn you the points when eating at a fast food restaurant while on the road. Even some delivery services will count for the 2X points so you will be earning points on pretty much all of your dining while out on travel.

 

The same can be said for the travel options. Travel expenses will help you to rack up points quickly and this covers many categories. Of course, you will be earning 2X points on flights and hotels. This travel card is going to give you 2X points on various other travel expenses too.

 

If you need to hail a taxi and you pay with your credit card, then that is going to earn you the double points. Paying for parking lots, toll bridges, riding on a train, taking the bus, car rentals, and many other things will all earn you the increased points. This means that you will be earning a lot of points no matter how you decide to travel. You can even earn points on local travel expenses while you are close to home so it is a very convenient credit card to make use of.

chase sapphire preferred credit score

 

The Pros

  • Points easy to earn
  • Many redemption options for your points
  • No foreign transaction fees
  • Good benefits

 

This credit card really does make it easy for you to earn points. If you want to be able to earn travel rewards regularly, then you will have many chances to do so. This card gives you the double points on so many things that are associated with travel and dining. If you use this card often enough, then you are going to reap the rewards as a regular traveler.

 

Redeeming the points is very intuitive overall too. Whether you are looking for simple cash-back options or you want to redeem gift cards, you will have options available to you. You can use the card in tandem with a Chase Freedom card to really open up your options for maximizing your rewards. Redeeming your rewards for travel will net you an extra 20% when booking through Chase, making it easy to book your next trip.

 

You won’t even have to worry about foreign transaction fees if you are planning on traveling outside of the country. Being able to make use of the card to travel abroad is a nice feature. It makes it a practical option for many people and it might be the only travel credit card you will ever need. Simply being able to avoid the high foreign transaction fees of some other cards will save you a lot of money.

 

The benefits of this card are substantial as well. You can enjoy purchase protections and trip cancellation insurance. Using this card will even protect you in the event that your luggage is lost on a flight. It is a very convenient card for any traveler so applying for it is certainly a good idea if you are regularly on the go.

 

The Cons

  • Annual fee
  • Rewards that work best for people who spend a lot on travel expenses

 

The annual fee that is associated with this credit card is not too bad but it is something that you should consider. Having to pay an annual fee will mean that you will want to get enough out of this card to justify it. This makes it so that you have to earn a certain amount of rewards per year to make it feel as if you are not wasting money. Depending on how often you travel, this may or may not be possible for you.

 

People who do not regularly travel will not be able to take advantage of this card as readily. It may not wind up coming in handy as much if you only travel once or twice a year. This is something that is more geared towards business people and people who travel regularly for recreational purposes. Think about how often you will be using this card before applying for it.

chase sapphire preferred benefits

 

Credit Score Needed for Approval

As with many good credit cards in this range, you will need to have a good credit score in order to be approved for this card. A credit score of 690 or above is recommended for you to take advantage of this card. If you fall in the lower credit score ranges, then the likelihood of getting approved is lower. Those with excellent scores will have no problem getting approved for this card so take the time to check your scores before applying.

 

Meeting the Minimum Spend for the Chase Sapphire Preferred

After applying for the card you’ll need to meet the initial minimum spend so that your bonus points will be released into your account. When Amber and Sean received their Sapphire Preferred, they had their regular spending, plus some of their wedding expenses that needed to be paid. This allowed them to easily meet the initial minimum spend.

 

If you already spend $4,000 per three months, great! You’ll meet your spend just with that.

 

If you don’t typically spend that much, you can get extra spending in a variety of creative ways. A few of these ways to get extra spending are by saving up large purchases that you have been planning on, or Christmas gift shopping ahead of time. There are many ways to meet minimum spending requirements to earn your bonus. A good reference for meeting minimum spending limits can be found on the Frequent Miler blog.

 

How Many Points were Earned with the Chase Sapphire Preferred?

Using their wedding expenses and regular spend, Amber and Sean spent about $9,000 in the initial three months of having the Chase Sapphire Preferred. It earned them the following points:

  • 50,000 pts – introductory bonus (old offer, it’s now 60k!)
  • 9,000 pts – regular spend points
  • 5,000 pts – authorized user bonus points (this offer is no longer available)

Total = 64,000 Chase Ultimate Rewards points

 

Where to travel using your Chase Ultimate Rewards

Amber and Sean decided that they wanted to travel to the beautiful islands of Hawaii for their honeymoon! They’ve been to Oahu already, so wanted to experience something new… (Or some things)! They ended up finding flights that were available through Alaska Airlines and Hawaiian Airlines to travel from San Francisco to Kauai, then to Maui, and back home to San Francisco.

 

Here’s a look at their flights and how many points and dollars it took them to book.

 


  1. OAK to LIH = 25,000 miles + $11.20 taxes/fees (booked using British Airways miles)
  2. LIH to OGG = 14,000 miles + $11.20 taxes/fees (booked using United Airways miles)
  3. OGG to SFO = 25,000 miles + $11.20 taxes/fees (booked using British Airways miles)

They had just enough Chase Ultimate Rewards to cover all their flights.

 

The total amount of money that they saved on these flights was a combined: $1,345.40 SAVED! (I’d call that a win)


 

Overall, this was a great travel rewards redemption, which got excellent value out of their points. Their flights to and from Hawaii ended up with a value of 2.3 cents per point, and their inter-island flight earned a value of 1.4 cents per point. That comes out to a total of 2.1 cents per point. 64,000 points spent and $1,345.40 saved.

 

Understanding the Value of Just One Credit Card Signup Bonus

This is just one example of how a single credit card signup bonus can make an enormous impact on the price of travel. Earning points through travel credit cards can give you extraordinary value. Amber and Sean ended up saving over $1,300 dollars on their honeymoon, which is pretty incredible. I’d say that’s quite a bit better than the $625 value that Chase puts on the introductory bonus!

 

Who is the Chase Sapphire Preferred Card for?

This credit card is specifically targeted towards people who travel regularly. If you travel on business many times a year, then this is going to be a card that will work out well for you. It will allow you to earn rewards consistently and you can use it to help lower your overall travel expenses. If you do not travel often enough, then this card will not work out as well for you.

 

Even people who travel regularly for recreation have a great time with this credit card. If you are often booking hotels or flying to different locations, then this is going to be a perfect credit card to keep in your wallet. It helps you to earn rewards points and you will be able to redeem those points in a variety of different ways. This is a very useful card for people who travel so you will want to travel often enough to justify the annual fee.

 

This is also going to be a great card for people who travel for a number of different purposes. You can earn rewards points on travel and dining in a number of ways. This is not limited to air travel and hotels as some other travel rewards cards are. Being able to earn the 2X points on bus travel, train travel, fast food dining, and other expenses will be helpful. It just might be the best travel card when you consider how easy it is to earn those points.

chase sapphire preferred features

 

An Alternative to Consider

One alternative credit card to keep in mind is the Bank of America travel rewards credit card. It is able to offer you similar benefits to the Chase Sapphire Preferred credit card but it does not have an annual fee. If the annual fee is something that is holding you back from wanting to pursue the Chase Sapphire Preferred Card, then this one might be one to look into. It is able to give you 1.5X points for every dollar spent and is a good travel credit card overall.

 

Being that the Chase Sapphire Preferred Card is able to offer you 2X points, it is likely going to be the better choice for regular travelers. Just take the time to examine your options and you will be able to determine which is best. Those who travel all of the time will be able to enjoy the robust rewards options that Chase has to offer. The Bank of America Travel Rewards credit card is another good option but it may lack in some areas where the Chase card shines.

 

Compare All of the Chase Ultimate Rewards Personal Cards

 Sapphire Preferred
Sapphire Reserve
Chase Freedom
Freedom Unlimited
Signup Bonus60,00050,000$150 (15,000 pts)3% on all purchases in first year (up to $20,000 in spend)
Bonus Spending Categories2X on travel and dining3X on travel and dining5% on select rotating quarterly categories1.5% on all purchases after year 1 (no limit)
Annual Fee$95$450$0$0
Extra PerksBaggage insurance, trip insurance, rental car insurance$300 annual travel credit, TSA PreCheck or Global Entry, Priority Pass SelectPurchase protection, extended warrantyPurchase protection, extended warranty
Best for People Who...Want a large introductory bonus

Like to Travel
Want a large introductory bonus

Want luxury travel benefits

Travel often
Want no annual fee

Also have a Sapphire card

Want to earn bonus points on spend
Want no annual fee

Also have a Sapphire card

Want simplicity in earning points
Learn More >>Learn More >>Learn More >>Learn More >>

 

Decision Time: Is the Chase Sapphire Preferred the Travel Card You Need?

The Chase Sapphire Preferred Card is a fantastic travel credit card that has many perks. The annual fee is not unreasonable and you won’t have to deal with any foreign transaction fees when using this card. It is a practical travel credit card that will work great for anyone who travels often enough to warrant applying for it. This can help you to earn rewards quickly and you will always be able to redeem your rewards in a variety of different ways.

 

This is seen as one of the premier travel credit cards for a reason. All of the perks that this credit card offers are top-notch and your overall experience should be stellar. If you have been waiting for the right travel credit card to come along, then you may wish to apply for this one. It has a great reputation and has been making customers happy for many years.

chase sapphire preferred credit card art

Chase Sapphire Preferred

60,000 points after spending $4,000 in 3 months

$95 Annual Fee

LEARN HOW TO APPLY >>

The 5 Best Cash Back Credit Cards to Earn Rewards

best cash back credit cards
Credit Card Introductory OfferAnnual FeeOur Thoughts 
Capital One Savor$300$95 (waived year 1)Best cash back card and it even has its annual fee waived in year 1.LEARN HOW TO APPLY >>
Wells Fargo Cash Wise$200No annual feeBest no fee cash back credit card.LEARN HOW TO APPLY >>
Chase Freedom$150No annual feeBest cash back rewards with 5% rotating quarterly bonuses.LEARN HOW TO APPLY >>
Amex Blue Cash Everyday$150No annual feeBest cash back card for groceries that also has no annual fee.LEARN HOW TO APPLY >>
Freedom Unlimited3% Cash Back in year 1No annual feeSimple cash back card that also has an option to transfer to primary Chase cards for travel.LEARN HOW TO APPLY >>

 

Maybe travel rewards points seem a little bit daunting when it comes to redeeming. You may want to consider something a little simpler. Something like a cash back card, where you earn a percentage of your purchases back in cash back rewards. Then you can redeem the cash back on anything you’d like.

 

While we typically like to use our rewards points on travel, there are times when we like to use our points on other purchases so we don’t have to spend our actual money. This is where a cash back card can benefit you. You can use your cash back for that new TV you’ve been wanting, or those stand up paddle boards for this summer, or maybe you’d just like to have a nice dinner out. You can use your cash back rewards for anything.

 

Yes, at Travel Freedom we believe that travel is the most valuable redemption, but some people would rather have other things in life. Others just simply don’t enjoy traveling. If this is you, there are cash back credit cards to earn rewards that can be redeemed for anything. Just like earning points for travel, there’s no catch to it. Earning points is actually very simple. I believe if you’re going to be spending money, you might as well get some rewards back from your purchases.

 

Let’s go ahead and get into the list of the 5 best cash back credit cards.

 

1. Capital One Savor

capital one savor cash rewards card art

Capital One Savor

$300 cash back rewards after spending $3,000 in 3 months

$95 Annual Fee (waived year 1)

LEARN HOW TO APPLY >>

The first two cards we mentioned both have no annual fee and somewhat small introductory offers. The Capital One Savor card is slightly different. It does have an annual fee, but makes up for it with better overall benefits. Did I mention that the annual fee is waived in the first year, making it an even better deal? While the two Chase Freedom cards were great because they can be paired with other cards to make them more valuable, the Capital One Savor is the best stand-alone cash back credit card.

 

The main reason that the Capital One Savor is one of the best cash back credit cards, is its large introductory offer. That’s not all the Savor card has going for it though. It also boasts some pretty impressive rewards categories including dining, entertainment, and groceries. These three categories are where a lot of people spend the most money.

 

Let’s take a deeper look at what the Capital One Savor card offers.

 

Capital One Savor

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You’ll earn $300 cash back rewards after you spend $3,000 in the first 3 months.
REWARDS
You’ll earn 4% cash back at dining and entertainment.
You’ll also earn 2% at grocery stores.
BENEFITS
Premium experiences in dining, entertainment and more.
FEES
$95 Annual Fee.
No foreign transaction fees.
TRAVEL FREEDOM THOUGHTS
This is a great cash back card with a large introductory offer and a waived annual fee in year 1.

 

The Pros

  • A large introductory offer that we value at $500 when used as cash back.
  • High earning rewards categories.
  • No foreign transaction fees.
  • Annual fee waived year 1.

 

The Potential Cons

  • Has an annual fee.
  • Only earns 1X on non-category bonus spend.

 

Our Overall Thoughts on the Capital One Savor

With such a high introductory offer and the annual fee being waived in the first year, this card should be considered as one of the best cash back credit cards. If you spend much money on dining, entertainment, and groceries you’ll also see a big benefit from using this card regularly. If you’re looking for the best introductory offer, this is the best cash back credit card for you.

 

At Travel Freedom, we value this cards introductory offer at $500 if redeemed as cash back. For more information on this card, you can read our full Capital One Savor review.

 

2. Wells Fargo Cash Wise

Travel Freedom Card Art Size

Wells Fargo Cash Wise

$200 cash back rewards after spending $1,000 in 3 months

No Annual Fee

LEARN HOW TO APPLY >>

The Wells Fargo Cash Wise card is a no annual fee cash back credit card. On top of having a nice introductory offer for a no annual fee card, it also earns elevated rewards on all purchases and has one of the best cell phone protection plans of any credit card.

 

This is absolutely one of the best cash back credit cards that has no annual fee. Let’s take a deeper look at what the Wells Fargo Cash Wise offers.

 

Wells Fargo Cash Wise

INTRODUCTORY OFFER
$200 cash rewards after spending $1000 in the first 3 months.
REWARDS
You'll earn 1.5% cash rewards on purchases.
Earn 1.8% with mobile wallet purchases in the first 12 months (ie: Apple Pay, Google Pay)
BENEFITS
Cell phone protection. ($25 deductible)
FEES
No annual fee.
TRAVEL FREEDOM THOUGHTS
This is a great cash back card. It has no annual fee and also offers great cell phone protection.
LEARN HOW TO APPLY NOW >>

 

The Pros

  • A large introductory offer.
  • No annual fee.
  • Cell phone protection.
  • 1.5% cash back on all purchases.

 

The Potential Cons

  •  No rewards category bonuses.

 

Our Overall Thoughts on the Wells Fargo Cash Wise

For a card with no annual fee, the Wells Fargo Cash Wise is a great option as a cash back credit card. It offers a substantial introductory offer, earns 1.5% on every purchase, and also comes with cell phone protection in case your phone is broken or stolen.

 

At Travel Freedom, we value this cards introductory offer at $200. For more information on this card, you can read our full Wells Fargo Cash Wise review.

 

3. Chase Freedom

chase freedom card

Chase Freedom

$150 (15k Ultimate Rewards) after spending $500 in 3 mo.

No Annual Fee

LEARN HOW TO APPLY >>

The Chase Freedom is our favorite cash back credit card. We love it because it has quarterly rotating categories that earn 5X rewards on up to $1,500 in purchases. That means if you spend the full $1,500 per quarter on the bonus categories, you’ll be earning 30,000 points per year. You can see the current and past 5X category bonuses on our Chase Freedom calendar.

 

The main reason that the Chase Freedom is the best cash back credit card, is its rotating rewards categories. They’re typically at places you’d normally shop like gas stations, grocery stores, home improvement stores, and department stores. It also comes with a nice chunk of points as an introductory offer. Travel Freedom values the introductory offer of the Chase Freedom to be worth $150 when used as cash back, but these points can also be transferred to a primary Chase Ultimate Rewards card account if you have one, where you can use the points for travel at a higher redemption rate.

 

You’ll get these card benefits without having to pay an annual fee at all. This makes it even better, as you’ll pay nothing to keep the card.

 

Let’s take a deeper look at what the Chase Freedom card offers.

 

Chase Freedom

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn $150 (in the form of 15,000 Ultimate Rewards points) after spending $500 in the first 3 months.
REWARDS
You'll earn 5% on rotating quarterly categories. (up to $1500 in purchases per quarter)
BENEFITS
Points can be transferred to primary Chase cards for better redemptions.
Free credit score.
ANNUAL FEE
No annual fee
TRAVEL FREEDOM THOUGHTS
This is one of the best "cash back" cards for earning rewards. You can earn up to 5X per dollar and those points can be transferred to a primary Chase card for better redemptions. It's a perfect card to pair with either of the Sapphire cards or the Ink Business Preferred.

 

The Pros

  • 5X rotating rewards categories.
  • $150 introductory offer.
  • No annual fee.
  • Points can be transferred to a primary Ultimate Rewards card for higher value travel redemptions.

 

The Potential Cons

  • 5X categories are limited to $1,500 per quarter.
  • Other purchases only earn 1X point per dollar.

 

Our Overall Thoughts on the Chase Freedom

The Chase Freedom is our overall best cash back credit card for a few reasons. It offers valuable 5X redemption bonuses on rotating categories that we actually spend money on each quarter. It also offers a decent introductory offer, especially for having no annual fee to worry about. We personally like this card because it pairs well with the primary Chase Ultimate Rewards cards to earn a lot of free travel. If you’re looking for something simpler with a set amount of points for every purchase, you’ll probably like the second card on our list better.

 

At Travel Freedom, we value this cards introductory offer at $150 if redeemed as cash back. The value can be doubled if you pair it with other Chase cards and use it for travel. For more information on this card, you can read our full Chase Freedom review.

 

4. Amex Blue Cash Everyday

blue cash everyday card from american express

Amex Blue Cash Everyday

$150 cash back rewards after spending $1,000 in 3 months

No Annual Fee

LEARN HOW TO APPLY >>

The Amex Blue Cash Everyday card is another no annual fee cash back credit card. It’s known for having great rewards categories for regular spending including at grocery stores, gas stations, and department stores in the US.

 

Even though the Amex Blue Cash Everyday has no annual fee, it still comes with a solid introductory offer. Not only that, it earns more rewards on groceries than many cards that do have an annual fee.

 

Let’s take a deeper look at what the Amex Blue Cash Everyday offers.

 

Amex Blue Cash Everyday

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You’ll earn $150 cash back rewards after you spend $1,000 in the first 3 months.
REWARDS
You’ll earn 3% cash back at US supermarkets. (up to $6000 in purchases per year)
You’ll also earn 2% at US gas stations and select US department stores.
BENEFITS
Cash back is earned in reward dollars that can be used for statement credits, gift cards and merchandise.
FEES
No annual fee.
Terms Apply
TRAVEL FREEDOM THOUGHTS
This is a great no-fee card for grocery shopping. Earning 3X is one of the best without an annual fee.

 

The Pros

  • Good introductory offer.
  • Great rewards categories.
  • No annual fee.

 

The Potential Cons

  • No benefits outside of spending.
  • Normal spending only earns 1%

 

Our Overall Thoughts on the Amex Blue Cash Everyday

The Amex Blue Cash Everyday is one of the best credit cards for grocery purchases as it earns a high rewards bonus. There are other cards that offer higher rewards on groceries, but they also come with an annual fee of around $100. To justify paying the annual fee for a higher grocery rewards card like the Amex Blue Cash Preferred, you’d need to spend over $300 on groceries per month.

 

At Travel Freedom, we value this cards introductory offer at $150. For more information on this card, you can read our full Amex Blue Cash Everyday review.

 

5. Chase Freedom Unlimited

Chase Freedom Unlimited Credit Card

Chase Freedom Unlimited

3% on all purchases in year 1 (up to $20,000 spent)

No Annual Fee

LEARN HOW TO APPLY >>

The Chase Freedom Unlimited card is similar to the Chase Freedom in many ways. Earning cash back couldn’t be simpler than with the Freedom Unlimited. It earns 1.5X Ultimate Rewards on each and every purchase, with no limits.

 

On top of that, the Chase Freedom Unlimited has a slightly different style introductory offer than most cards. Instead of getting a certain amount of points, you’ll earn 3X back on all purchases in the first year (up to $20,000). That enables the possibility to earn up to 30,000 extra Chase Ultimate Rewards if you spend the full amount in the first year.

 

Let’s take a deeper look at what the Chase Freedom Unlimited card offers.

 

Chase Freedom Unlimited

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn 3% per dollar on all purchases in the first year. (up to $20,000 in spend)
REWARDS
You'll earn 1.5% back on all purchases. (after year 1) No limit.
BENEFITS
Points can be transferred to primary Chase cards for better redemptions.
Free credit score.
ANNUAL FEE
No annual fee
TRAVEL FREEDOM THOUGHTS
This is one of the best "cash back" cards for earning rewards. You earn 1.5% per dollar (3% year 1) and those points can be transferred to a primary Chase card for better redemptions. It's a perfect card to pair with either of the Sapphire cards or the Ink Business Preferred.

 

The Pros

  • 1.5% cash back on all purchases. (in the form of Ultimate Rewards)
  • 3% cash back on purchases in the first year.
  • No annual fee.

 

The Potential Cons

  • No bonus rewards categories.
  • No introductory offer of points.

 

Our Overall Thoughts on the Chase Freedom Unlimited

The Chase Freedom Unlimited is also one of our favorite cash back credit cards for a few reasons. First, it offers a great introductory offer that is unlike other cards. It also has no annual fee to pay. On top of that, it has the potential to double the points value if used for travel, by transferring points to a primary Chase card that you pair it with (Chase Sapphire Preferred, Sapphire Reserve, and Ink Preferred).

 

At Travel Freedom, we value this cards introductory offer at up to $300 if you spend $20,000 in the first year and points are redeemed for cash back. For more information on this card, you can read our full Chase Freedom Unlimited review.

 

With two of the top cash back credit cards both being the Chase Freedom branded cards, you may be wondering which is really the best for you. Well, we did a Chase Freedom vs Freedom Unlimited comparison to help you out.

 

The Best Cash Back Credit Cards

As you can see, there are many great cash back credit cards available. These are the Travel Freedom top 5 cash back credit cards. Any of them are great options if you’re looking to earn some cash back rewards on your purchases. We like to use our points towards travel, but you can also earn rewards to buy whatever you’d like. Good luck choosing the best cash back credit card for yourself and buy something you’ve always wanted with your rewards!

 

Credit Card Introductory OfferAnnual FeeOur Thoughts 
Capital One Savor$300$95 (waived year 1)Best cash back card and it even has its annual fee waived in year 1.LEARN HOW TO APPLY >>
Wells Fargo Cash Wise$200No annual feeBest no fee cash back credit card.LEARN HOW TO APPLY >>
Chase Freedom$150No annual feeBest cash back rewards with 5% rotating quarterly bonuses.LEARN HOW TO APPLY >>
Amex Blue Cash Everyday$150No annual feeBest cash back card for groceries that also has no annual fee.LEARN HOW TO APPLY >>
Freedom Unlimited3% Cash Back in year 1No annual feeSimple cash back card that also has an option to transfer to primary Chase cards for travel.LEARN HOW TO APPLY >>

Chase Freedom vs Freedom Unlimited: Is One Better For You?

Chase Freedom vs Freedom Unlimited

The Chase Freedom vs Freedom Unlimited debate is a simple one to tackle.  Both credit cards are very similar, besides one important factor.  How they earn Chase Ultimate Rewards points.  They even have such a similar card name that people often confuse which card is which.  The Chase Freedom credit card is the original card which offers bonus categories that earn 5 points per $1 spent that rotate quarterly.  The Chase Freedom Unlimited credit card is the successor which offers a consistent 1.5 points per $1 spent on all purchases.  The debate of frequent travelers and credit card experts is over which card is better for earning Chase Ultimate Rewards points.

chase freedom card

Chase Freedom

$150 (15k Ultimate Rewards) after spending $500 in 3 mo.

No Annual Fee

LEARN HOW TO APPLY >>

VS

Chase Freedom Unlimited Credit Card

Chase Freedom Unlimited

3% on all purchases in year 1 (up to $20,000 spent)

No Annual Fee

LEARN HOW TO APPLY >>

Both Cards are Mostly the Same, Except for Earning Points

Everything about the two credit cards is identical besides how they earn points.  We will save you from looking at a comparison chart with only one difference.  We’ll focus in on the one important difference.  First, we’ll briefly run through what the cards have in common.  Both the Chase Freedom and Freedom Unlimited have the following features:

  • $25 for adding Authorized User (2500 Ultimate Rewards)
  • 0% Introductory APR for 15 months
  • No Annual Fee

 

Introductory Offers

While both cards used to come with an introductory offer of $150, now only the Chase Freedom card offers that. The Freedom Unlimited has a new offer. In the first year of being a cardmember, you’ll earn 3% on all purchases up to $20,000 in spend. 3% is double the usual rewards and can earn you up to 60,000 bonus Chase Ultimate Rewards points in the first year. That would be 30,000 more than you’d earn regularly at 1.5%. Is it a good offer? I’ll leave that for you to decide.

 

You’ll Need a Good to Great Credit Score

Note that both cards have a 3% foreign transaction fee, so they aren’t the best cards to use while traveling internationally.  They both also get approvals with credit scores in the range of good to great (670+).  If your credit score is not at this level yet, learn about the credit cards available to those with fair credit.  The one difference these two credit cards have is how points are earned.

 

chase freedom vs chase freedom unlimited pinterest

 

The Chase Freedom earns 5 points per $1 spent on rotating categories, like gas stations, grocery stores, restaurants, department stores, phone bills, or cable bills.  They also have categories such as using Chase Pay or Apple Pay on your phone.  Each quarter there will typically be 3 different categories that earn the 5X bonus.  These category bonuses are limited to $1500 of spending each quarter.  So, the maximum amount of points earned per quarter is 7,500.  All other purchases will earn 1 point per $1 spent.

 

The Chase Freedom Unlimited has no rotating categories, and simply earns 1.5 points on each and every purchase.  It has no spending limit for its earning rate.  The Chase Freedom Unlimited vs Freedom debate comes down to which of these two no-fee credit cards is best for you.

 

Let’s compare the Chase Freedom vs Freedom Unlimited using the scenario of a person who spends $2,000 per month.

 

ScenarioQuarterly Points Earned with FreedomQuarterly Points Earned with Freedom Unlimited
1. Max Out All Quarterly Bonuses80003000
2. 50% of Spend in Quarterly Bonuses50003000
3. 25% of Spend in Quarterly Bonuses35003000

Chase Freedom Unlimited Review: Better for Simplification

The Chase Freedom Unlimited is great for people who don’t want to worry about where and when they spend their money, but still want an elevated rate of earning points. By earning 1.5 points per $1 spent on all purchases, you can simply use the card and earn the same amount of points on everything. Never worry about going to a certain store or gas station, or activating any category bonuses. This card is for no-nonsense people who just want simplicity. If this is you, the Chase Freedom Unlimited would be a great addition to your wallet.

 

Chase Freedom Unlimited

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn 3% per dollar on all purchases in the first year. (up to $20,000 in spend)
REWARDS
You'll earn 1.5% back on all purchases. (after year 1) No limit.
BENEFITS
Points can be transferred to primary Chase cards for better redemptions.
Free credit score.
ANNUAL FEE
No annual fee
TRAVEL FREEDOM THOUGHTS
This is one of the best "cash back" cards for earning rewards. You earn 1.5% per dollar (3% year 1) and those points can be transferred to a primary Chase card for better redemptions. It's a perfect card to pair with either of the Sapphire cards or the Ink Business Preferred.

 

Chase Freedom Review: Better for Maximizing Points

The original Chase Freedom card is better for people who are looking to maximize their points earning with every purchase.  Because Chase Freedom has very good category bonuses, it’s possible to get nearly the full amount of bonus points per quarter (7500).  Many of the category bonus merchants even have gift card racks.  Gift cards can be bought to make purchases at the stores you regularly go to.  This technique can allow you to earn 5X points on nearly everything.  Personally, if we could only have one of the two cards, we would choose the Freedom because we’re willing to put in the extra effort to maximize points.

 

Chase Freedom

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn $150 (in the form of 15,000 Ultimate Rewards points) after spending $500 in the first 3 months.
REWARDS
You'll earn 5% on rotating quarterly categories. (up to $1500 in purchases per quarter)
BENEFITS
Points can be transferred to primary Chase cards for better redemptions.
Free credit score.
ANNUAL FEE
No annual fee
TRAVEL FREEDOM THOUGHTS
This is one of the best "cash back" cards for earning rewards. You can earn up to 5X per dollar and those points can be transferred to a primary Chase card for better redemptions. It's a perfect card to pair with either of the Sapphire cards or the Ink Business Preferred.

 

chase freedom unlimited vs chase freedom

 

Chase Freedom vs Freedom Unlimited: How About Both?

Why treat these cards like competitors when they can play together quite nicely?  Like Kevin Durant and Stephen Curry playing together on the basketball court, these two credit cards can be champions together (NBA reference).  If you pair the two credit cards, you can earn 5X points on all Chase Freedom category bonuses and 1.5X points on everything else using the Chase Freedom Unlimited.  This will give you the best of both worlds and a killer point earning combination.  Double the freedom has to be a good thing, right?

 

Transfer Points to a Premium Chase Card For More Value

Here’s a little secret that you’ll want to know if you have any Ultimate Rewards points.  When Chase Ultimate Rewards are redeemed using either of the Freedom credit cards, points are worth 1 cent each.  But, because Chase Ultimate Rewards points are transferable between different cards, and even between different people (only household members), point values can be multiplied.  With a few of the other premium Chase credit cards, it’s possible to redeem points at a higher value.

 

Upgrade your Ultimate Rewards

When redeemed through the Chase Ultimate Rewards travel portal, points are worth 1.25 cents with the Chase Sapphire Preferred or Chase Ink Preferred and 1.5 cents with the Chase Sapphire Reserve.  All three of these credit cards also come with the ability to use Chase’s travel transfer partners.  By transferring to some of their travel partners at a 1:1 ratio, it’s possible to redeem points for well over 2 cents each.  If you’re able to have one of these premium Chase credit cards to go along with your Freedom or Freedom Unlimited, it always makes sense to transfer points before redeeming.

transfer chase ultimate rewards

 

Chase Freedom Activate Quarterly Bonuses

In order to be eligible for the Chase Freedom 5X quarterly bonus categories, you’ll need to activate your card each quarter.  You’ll visit this Chase web-page and fill out your last name, last 4 digits of your card, your zip code, and press enter.  That’s all.  It’s very simple, and Chase will even send you reminders via email.  For your category bonuses to work, you’ll need to activate your Chase Freedom by the middle of the last month in that quarter.  For instance, you must activate your card by December 14th, 2018 to be eligible for the quarter 4 bonuses in 2018.  With Chase’s reminders and the fact that you’ll want to know what the bonus categories are, it’s easy to remember to activate your card.

 

Chase Freedom Calendar: Rotating Categories

To see the current and upcoming Chase Freedom 5X bonus categories visit the Chase Freedom Calendar.  You’ll also be able to activate your card on the same page.

chase freedom calendar spring 2019

 

If you’re looking to add a great credit card for earning points by spending, either the Chase Freedom Unlimited or Freedom are great additions to any wallet.  They are very similar cards with that one large difference.  How points are earned through spending.  Pick which card fits your style best, or even better, go with both.

 

Definitely look into the other Chase Ultimate Rewards credit cards to partner with these so that you can both maximize your earning and your point redemptions.  Just think, if you can earn 5X points on every $1 spent, and then redeem those points for a value of 2 cents or more, you’re essentially getting 10% or better back in value on your spending. That’s pretty impressive, compared to the typical 1% cash back earned with other cards.

chase freedom card

Chase Freedom

$150 (15k Ultimate Rewards) after spending $500 in 3 mo.

No Annual Fee

LEARN HOW TO APPLY >>

Chase Freedom Unlimited Credit Card

Chase Freedom Unlimited

3% on all purchases in year 1 (up to $20,000 spent)

No Annual Fee

LEARN HOW TO APPLY >>

Delta Reserve for Business Credit Card Review: The Premium Delta Card

delta reserve for business review

Finding the right business travel credit card to keep in your wallet can really improve your overall experience. When you have access to a good credit card, it becomes possible to earn rewards for your normal travel expenses. To add to this, you will be able to enjoy various perks that make being a cardholder worthwhile. If you have been waiting to find the right card to use for your business, then you might want to take a deeper look at the available options.

 

Many people choose to go with an airline-based rewards credit card due to the perks that it will offer. If you are willing to be loyal to one brand, then this can be a really good idea that will serve you well while traveling. One popular rewards credit card that people have been talking about is the Delta Reserve for Business Credit Card from American Express. This credit card is a great option for businesses that need to travel quite often.

 

If you are already a loyal Delta customer, then using this card for your business may be a really great fit. Even so, it is smart to take the time to examine things deeper before making a commitment. Today we are going to take a look at everything the Delta Reserve for Business credit card from American Express has to offer. You can look at the rewards program, the key benefits, and all of the other pertinent details. Once you know more about what to expect, it will be significantly easier to decide if it is right for your business.

 

Delta Reserve for Business

LEARN MORE >>
INTRODUCTORY OFFER
You’ll earn 80,000 miles after you spend $6,000 in the first 3 months.
Also earn 5,000 Medallion Qualification Miles toward status.
REWARDS
You’ll earn 2X miles on Delta purchases.
BENEFITS
Priority Boarding.
One free checked bag.
Delta Sky Club access (plus up to 2 guests at $29 each).
Annual companion certificate (good on domestic flights up to first class).
Concierge Service.
Earn 15,000 reward miles and 15,000 MQM's after spending $30,000 in a calendar year.
FEES
$450 annual fee.
No foreign transaction fees.
Terms Apply.
TRAVEL FREEDOM THOUGHTS
If you're after Delta MQM's this card can help. The fee seems too high for what it offers though. Other premium travel cards are superior.

 

Delta Reserve for Business Credit Card Fees

One thing to know right off of the bat is that this is a credit card with a rather high annual fee. The annual fee of $450 is going to scare away some businesses that do not know whether they will get their money’s worth out of this credit card. Truthfully, so long as you are going to be using this credit card often, you are going to come out ahead. The reason for the high price of the annual fee also has a lot to do with the perks that it offers. The features and benefits of this credit card will be discussed in more detail a little later on.

 

One good thing about this credit card is that you will not be forced to pay any foreign transaction fees. Whenever you are traveling abroad, it is a real nuisance to be faced with fees just for using your card outside of the country. You can use this credit card to its full potential while traveling abroad and will never have to worry about being blindsided by fees. This is great for any businesses that have dealings in foreign countries.

 

Most of the other fees are fairly standard for a business travel credit card. The balance transfer fee is set at 3% with a $5 minimum fee. The cash advance fee is also set at 3% with a $5 minimum fee. These are fees that you will be unlikely to encounter due to the card not really being set up as a balance transfer card. Most businesses will never have a need to take a cash advance from this card either but it is still important to be aware of the associated fees.

 

Both late payments and returned payments will cost you up to $38 on this credit card. This is a very normal late and returned payment fee that will not make you bat an eye. You can see that the only really high fee that you will need to contend with is the annual fee. All of the other fees are well within normal ranges, making this a pretty practical credit card for many businesses.

delta reserve for business premium credit card

 

Features and Benefits of the Delta Reserve for Business

You will want to be aware of the welcome bonus that this credit card has to offer. The bonus that the card offers is likely to change over time but this card almost always has a bonus that will reward you with quite a few miles. To qualify for the welcome bonus, you will need to spend a certain amount of money during your first three months as a cardholder. Once you meet the qualifications, you will have bonus miles that you can use to help pay for some of your travel expenses. It helps to alleviate a little bit of that high annual fee.

 

One very useful perk that you will take advantage of all the time is getting one free checked bag. You will receive one free checked bag on any eligible flight when you use this credit card. If you have multiple cards issued for your other employees, then the perk will allow them to get free checked bags as well when they fly with the main cardholder. This can go a long way toward paying for the annual fee as you could save yourself around $50 per person on a round trip.

 

Another extremely valuable perk is that you will receive an annual companion certificate. What this does is allow you to redeem the certificate to allow a companion to fly for free. This can give you a free round-trip flight to use on valid domestic flights in many different seat categories. It is possible to redeem this ticket for a first-class seat in many cases so the value of this perk is actually substantial if you use it right.

 

Cardholders are also going to gain complimentary access to the Delta Sky Club lounges. Normally, it would cost you $59 to enjoy going into a Delta Sky Club lounge. If you are going to be traveling regularly enough on business, then this will be a fantastic perk. It makes your traveling that much more comfortable while also saving you a lot of money. You can also bring up to two guests with you and will only have to pay $29 per person to allow them to enter.

 

It is also possible to receive 20% back in statement credit when you pay for things with your credit card while on your flight. Being able to save extra money on things such as in-flight drinks is a good little perk that many people will use. It mitigates quite a bit of your costs and makes it more practical to enjoy yourself during business flights. If you fly frequently enough, then you will surely be making use of this perk quite often.

 

Another handy perk is that cardholders will be able to take advantage of Zone 1 priority boarding. This means that you will get to board your flight faster than normal so that you can get comfortable and find a good spot for your bags. This feature will also work for up to nine additional cardholders when they are traveling with the main cardholder. Perks such as this can truly make flying a lot more comfortable.

 

You will also have the privilege of being able to access an around-the-clock concierge service. A good concierge service can make your travels much better. They can help you to book reservations at restaurants or to find tickets to a concert in town. You will be able to get the concierge to help you with many particulars, making it a valuable perk that will pay dividends throughout the years.

 

Delta Skymiles Rewards Program Info

Of course, the rewards program is going to be a significant factor when considering whether this card is worth your time. You can actually earn some pretty good rewards when you use this credit card properly. You can earn two miles for every $1 that you spend on purchases directly from Delta. This means purchases such as airfare, seat upgrades, and in-flight purchases. Those who travel with Delta all the time will likely earn a large number of miles every single year.

 

The normal rate for rewards outside of Delta purchases is not very impressive. You can earn 1X miles per $1 spent on all of your other eligible purchases. This makes it fairly impractical to use the card for purchases outside of the Delta family. You will not be using this card to buy groceries while expecting to be rewarded handsomely. It is a pure travel credit card that has pretty good rewards if you fly with Delta on a regular basis.

 

One extremely positive thing about this rewards program is that Delta SkyMiles do not expire. Some miles from other business credit cards may expire if you do not meet certain criteria. This may involve using the card every so often or redeeming the miles after a certain period of time. You do not need to worry about this when using the Delta Reserve for Business Credit Card from American Express. It is more practical to use your card when you do not need to worry about expiring miles.

 

Redeeming your rewards is pretty straightforward with this credit card too. Your miles can be used to pay for airfare and seat upgrades with Delta. If you fly with Delta a lot, then you can make use of these miles to alleviate some of your expenses. It will come in handy and the value of the Delta SkyMiles is generally pretty favorable. The value can vary a bit depending on certain factors but you should be able to enjoy a very easy and lucrative redemption experience.

delta reserve for business card

 

The Pros

  • Advantages for loyal Delta customers
  • Great benefits
  • No foreign transaction fees
  • Earned miles with good value

 

This credit card is going to be a perfect fit for any loyal Delta customers. If you already fly with Delta Airlines a lot, then you should definitely think about signing up for this credit card. You will be able to make the most of the benefits while also earning bonus miles. It can help to lessen some of your travel expenses over time while improving your travel experience.

 

The benefits of this credit card are truly great overall too. Being able to enjoy things such as a 24/7 concierge service, priority boarding, and the Delta Sky Club lounge access will improve your travel experience. You'll have a great time while traveling for business and it is going to make the annual fee completely worthwhile. You just have to be able to make the most of the perks.

 

You won't have to pay any foreign transaction fees when using this card. This is excellent news for businesses that have to travel abroad often. No one wants to pay fees any more than he or she has to. You can use this credit card outside of the country very easily so there is no reason to worry.

 

Your earned miles on this credit card generally have a good redemption value too. You will be able to redeem your miles to pay for Delta flights. The value of the miles can differ depending on the flight and other various circumstances. Even so, you can expect the miles to help you save a lot on your travel costs.

 

The Cons

  • High annual fee
  • Rewards program that is not as robust as some would like

 

The main factor that will deter some people from signing up for this credit card is the high annual fee. Any time that you see a card with an annual fee of $450, you have to take a step back to examine the details. This annual fee happens to be worth it if you are going to use the card often. It just depends on how much you travel and how often you will make use of the amazing perks of this card.

 

It can also be said that the rewards program is a little underwhelming. The Delta Reserve for Business has the potential to be lucrative for those who fly with Delta Airlines all the time. The problem is that you do not earn many miles for things outside of direct purchases from Delta. It may be more practical for certain businesses to find another rewards card as the utilities of this card are a bit limited.

 

Credit Score Needed for Approval

In order to be approved for this credit card, you will need to have a very high credit score. This is going to necessitate excellent credit overall. If your credit score is not at least in the 700s, then you are highly unlikely to be approved for this card. With the high annual fee, it is a card that mostly appeals to businesses with regular travel expenses anyway. Check your credit score before you decide to apply for this one.

delta reserve for business credit card

 

Who Does the Delta Reserve Business Card Appeal to Most?

A credit card such as this mostly appeals to businesses that are going to be traveling all the time. If you only travel every once in a while on business, then you will not really be able to take advantage of everything that this card has to offer. You want to be able to use the various perks that make the high annual fee worthwhile. That being said, it is also a decent rewards card if you can fly enough to earn miles with Delta.

 

You will also need to be a regular Delta customer in order to make the most out of using the card. If you are not the type of business that likes to commit to flying exclusively with one airline, then you should probably look elsewhere. You need to be a Delta customer through and through if you want to sign up for this one. Think about whether you will be able to use this card often enough to make it worth your while.

 

An Alternative Card to Consider

Those who are looking for a solid alternative business travel credit card may want to shy away from an airline-based credit card. You should think about instead, signing up for the Amex Business Platinum Card. It allows you to earn great rewards that can be used in various ways. You can transfer your earned rewards to a number of different airlines or hotels, making the card a convenient option that does not limit you to just one airline.

AMEX Business Platinum Credit Card

See our full review of the Amex Business Platinum Card.

 

You will also gain access to many great perks at hotels and with airlines. You will gain more airport lounge access, discounts on first premium class travel, and other discounts for your business. For most business owners who travel often, the Amex Platinum Business is a much better option. Consider the benefits of each card and then decide which will give you the highest value.

 

Decision Time: Is the Delta Reserve for Business Right for You?

The Delta Reserve for Business Credit Card from American Express comes highly recommended for any business that can use the card properly. If you fly with Delta Airlines often enough, then this card is an absolutely sensible choice. It gives you access to a variety of different luxury perks that will improve your overall travel experience. Being able to enjoy things such as priority boarding, airport lounges, and a concierge service is perfect.

 

It is not going to be the right fit for every type of business, though. Some businesses may be better off with a more general business travel credit card. Either way, this card has proven to be worth the annual fee for those who use it right. Consider signing up for this one if all of the perks and features sound good to you.

 

Delta Reserve for Business

LEARN MORE >>
INTRODUCTORY OFFER
You’ll earn 80,000 miles after you spend $6,000 in the first 3 months.
Also earn 5,000 Medallion Qualification Miles toward status.
REWARDS
You’ll earn 2X miles on Delta purchases.
BENEFITS
Priority Boarding.
One free checked bag.
Delta Sky Club access (plus up to 2 guests at $29 each).
Annual companion certificate (good on domestic flights up to first class).
Concierge Service.
Earn 15,000 reward miles and 15,000 MQM's after spending $30,000 in a calendar year.
FEES
$450 annual fee.
No foreign transaction fees.
Terms Apply.
TRAVEL FREEDOM THOUGHTS
If you're after Delta MQM's this card can help. The fee seems too high for what it offers though. Other premium travel cards are superior.

United Explorer Card Review: A Card Designed for United Airlines Flyers

united explorer card review

Anyone who flies often enough is going to really benefit from having an airline rewards credit card in his or her wallet. This is going to allow you to earn many rewards points for your airline purchases. If you spend lots of money on airfare each year, then this could really help you to save some money. Your earned rewards will be able to be used toward your travel expenses, making it a very practical credit card to use often.

 

Of course, there are a ton of different airline credit card programs out there for you to consider. If you are loyal to one airline or another, then you may already be more inclined to seek out specific credit cards. Those who fly with United Airlines will likely be very interested in the United Explorer Credit Card. This card allows those who fly with United Airlines the chance to earn many rewards while also enjoying various perks.

 

It is smart to take the time to look at things from every angle before proceeding, though. Even if you are a loyal United Airlines customer, you want to be able to make an informed decision. Join us today as we review the United Explorer card to give you all of the important details. This will make it easy to see whether or not this card is worth your time or if you should keep on looking for other options.

 

United Explorer Card

Introductory Offer:

You'll earn 40,000 miles after spending $2000 in the first 3 months.

Rewards:

You'll earn 2X miles on restaurants and hotel stays.

Benefits:

Free first checked bag for cardholder and one companion.

2 United Club Lounge passes per year.

Priority boarding.

Global Entry or TSA PreCheck fee statement credit.

Annual Fee:

$95 (waived in year 1)

Our Thoughts:

If you fly United, this card may make sense for you. The introductory offer is enough miles for multiple round trip flights. That is if you can find award space...
LEARN MORE >>

 

United Explorer Credit Card Fees

Knowing the prices and fees of any credit card is imperative when you’re trying to decide if it is worth your while. This credit card actually has fees that are pretty reasonable overall. You can expect a $95 annual fee when you sign up for this credit card. However, the annual fee is going to be waived for the first year, meaning that you do not have to worry about that right away.

 

This card does have balance transfer fees to worry about too, though. The balance transfer fees are set at 5% with a $5 minimum. This is a pretty standard balance transfer fee that is not going to raise any eyebrows. The APR of this card is fairly normal but it is unlikely that you will want to use this as a balance transfer credit card anyway.

 

You will not be able to take advantage of any introductory APR offers with this credit card either. It has a standard variable APR that falls within normal limits. It won’t be a terrible card for those who have to carry balances but most people will want to pay it off immediately. This is primarily a rewards credit card that people will use strategically in order to profit.

 

Thankfully, this credit card does not charge users any foreign transaction fees. Being able to avoid fees such as this is always a good thing and it helps to keep your costs lower. If your travels find you going outside of the country every now and then, it will be possible to use your credit card without having to worry. This is an important thing for those who travel abroad frequently and is certainly a welcome sight.

united explorer card

 

Features and Benefits of the United Explorer Card

The United Explorer Credit Card offers cardholders a pretty standard sign-up bonus. This is going to help you to earn some bonus points for spending a certain amount of money in the first three months. Most people who buy airfare at least once per month will be able to qualify for this bonus. The points that you will earn are very worthwhile and it can help to alleviate a bit of your travel expenses, making it a worthwhile bonus to pursue.

 

You will also be able to enjoy many different perks for being a cardholder. One of the perks that you will be using all of the time is the free checked bag perk. This allows you to check one bag for free and helps to save you money every single time you fly. You will also be able to receive priority boarding and this will make your travel experience that much nicer overall.

 

Cardholders also receive two free United Club passes every year. This gives you access to the United Club airport lounge, which can make your travel experience more relaxing. Passes for the lounge are normally $59 so the value of the passes already negates the annual fee of the credit card. The United Club lounges are very nice and will definitely be something that you will like making use of from time to time.

 

Your credit card is also capable of acting as primary car rental insurance. When you use your credit card to pay for your rental car, it will give you primary insurance coverage. This means that it will pay for any damages to the rental car instead of you having to make a claim with your car insurance company. This is a potentially money-saving perk that will be great for regular travelers.

 

It is also possible to receive an application fee credit for the Global Entry and TSA PreCheck programs. These beneficial travel programs make it possible to streamline your travel experience, saving you ample amounts of time. It costs money to apply for the program and you will receive a fee reimbursement in the form of statement credit every five years. Note that this program needs to be reapplied for every five years so this works out swimmingly.

 

You will also be able to receive 25% off of all of your in-flight purchases. This is great for people who travel all of the time and it will make flying more fun. You can buy refreshments or anything else being offered during the flight. The discount makes things more cost-effective and it just purely saves you money for making purchases that you would normally make anyway.

 

United Mileage Plus Rewards Program Info

The rewards program for this credit card actually gives you many different ways to earn bonus miles. You will receive two miles for every $1 spent on purchases from United Airlines. This will include airfare and any other types of purchases that you would make from United. Those who fly with United regularly will be able to earn rewards miles at a fast rate.

 

There is also an increased bonus rate on other purchases. You can earn two miles for every $1 that you spend at restaurants and on hotel stays. This makes it a very lucrative travel credit card. You will be able to use this credit card to earn miles for common travel expenses. It is practical to use and the rewards program is easy to understand.

 

All of your other purchases will allow you to earn one mile per $1 spent. It is definitely going to be more practical to use this card in the proper bonus categories but it is still good to be able to earn on normal purchases. Most cardholders will be able to earn miles very quickly when using this credit card. It has a good rewards rate and the miles have a good monetary value.

 

The redemption options for your rewards miles are going to be fairly standard. You will be able to redeem miles to pay for airfare and they can also be used to pay for seat upgrades when you want to use them that way. This will work for United Airlines and you can also redeem your rewards miles for flights with Star Alliance partners. The options may be more limited than some other travel credit cards but at least the miles do have good overall value.

 

With more transfer partnerships, this card could be truly top of the line. As it stands, the credit card still has a very good rewards program. You just need to make peace with the fact that you will need to use your miles to pay for flights and seat upgrades.

united explorer credit card

 

The Pros

  • No foreign transaction fees
  • Good rewards rate
  • Many beneficial perks
  • Easy-to-understand redemption options
  • Points that do not expire

 

This card will be a good option for travelers who need to go outside of the country. It does not hinder you by charging you foreign transaction fees. Using your credit card while you are abroad will never be a problem at all. It is always best when these travel credit cards avoid foreign transaction fees; thankfully, that is the case here.

 

The good rewards rate makes this card a very nice option for just about any United Airlines customer. You will be able to earn two miles per $1 spent on United Airlines purchases. You can also earn two miles for every $1 spent on hotel stays and restaurant purchases. All other purchases will earn one mile per $1 spent.

 

Being able to enjoy the many beneficial perks will help to push this card over the edge for some people. This card has better perks than many of the other airline credit cards on the market in this tier. You will be able to enjoy free checked bags, priority boarding, Global Entry and TSA PreCheck application fee reimbursement, primary rental car insurance, and two free United Club lounge passes every year. This gives you a lot of value and it makes it easy to enjoy your traveling experience. If you like cards that come with really nice perks, then this one should make you happy.

 

Lastly, the redemption options for this credit card are very easy to understand. They may not be as robust as some credit card rewards program redemption offerings but you can use your miles well. You can use miles to pay for airfare or seat upgrades at United Airlines or one of the Star Alliance partners. This can keep your travel costs lower than usual and you will always be able to earn more miles to use when you travel regularly.

 

It is also great that your rewards points are never going to expire on you. Some rewards cards come with certain restrictions that will see the points or miles expire after a certain period of time has passed. You will not have to be concerned about your points expiring when you sign up for this card. You can hang onto your miles and use them whenever you see fit. As long as you remain a cardholder in good standing, these miles will be available to you.

 

The Cons

  • It works best for frequent flyers.
  • The rewards program redemption options are somewhat limiting.
  • It limits you to United Airlines.

 

This is going to be a credit card that will work best for very frequent flyers. If you only travel a handful of times every year, then this is not going to earn you that many miles. It may be best to consider a credit card with more bonus categories that will allow you to earn regularly. For frequent travelers, this card is potentially very lucrative.

 

The rewards redemption options are somewhat limiting when compared to other travel credit cards. There are no options to transfer your earned miles to hotels or other businesses. You will also not be able to get any cash-back options or anything of that sort. If you like having more flexibility with how you use your bonus miles or points, then this card may not be for you.

 

You will also be limited to flying with United Airlines if you want to use this credit card to its full potential. You will only be earning the two miles per $1 spent rate if you buy airfare from United. It makes it impractical to fly with other airlines. If you are not the type who commits to one specific airline, then you may be better off with a general travel rewards credit card.

 

Credit Score Needed for Approval

Getting approved for this credit card is going to require a credit score that falls in the very good range. If your credit score is 690 or higher, then you should have a good chance of being approved. Those with excellent scores will have no problem getting this credit card. The smart thing to do will be to check your credit score first before making the decision to apply.

united explorer card mileage plus

 

Who Does the United Explorer Card Appeal to Most?

For the most part, this credit card is going to appeal to people who are loyal to United Airlines. If you regularly fly with United Airlines, then using this credit card is the most sensible option that you can choose. It allows you to earn rewards miles at a good rate and it will give you a better traveling experience overall. It offers various perks and it really can save you a lot of money as a United Airlines customer.

 

This card will also appeal to people who travel all the time. If you spend a lot of money on airfare, then it makes sense to have a card such as this in your wallet. You need to be able to earn rewards for the money that you are spending on travel. This card allows you to earn two miles for every $1 spent on restaurants and hotel stays too so it is incredibly practical for regular travelers.

 

It is not going to be quite as good for people who only travel every so often. If you do not fly more than a couple of times every year, then this may not be a good option for you. It will likely be more practical for you to look into other types of rewards cards. The travel perks can be tempting but you want to be able to use them often enough to justify signing up.

 

An Alternative Card to Consider

One of the most practical alternatives to consider is the Chase Sapphire Preferred Card. If you do not want to commit to one specific airline, then this card is a good deal for you. It allows you to earn two points for every $1 that you spend on travel and dining. The points that you earn can easily be transferred to airlines too so you can use the points with United Airlines if you want to do so.

chase sapphire preferred credit card art

Chase Sapphire Preferred

60,000 points after spending $4,000 in 3 months

$95 Annual Fee

LEARN HOW TO APPLY >>

See our review of the Chase Sapphire Preferred.

 

The Chase Sapphire Preferred Card is great for most people. It does not have the same perks as the United Explorer Card, though. If you prefer airline-specific perks, then you might be better off with the United Explorer Card. It mostly comes down to what you expect out of your travel rewards credit card and how your spending habits are.

 

Decision Time: Is the United Explorer Card Right for You?

The United Explorer Card is a very good credit card for loyalists of United Airlines. If you travel with United Airlines regularly, then this card is very easy to recommend. The perks alone will make it worth paying that annual fee and you can earn many rewards miles over time. It’s a solid travel rewards credit card that is very customer-friendly.

 

It is not a perfect credit card in every way but it offers cardholders a very good experience. If you travel often enough, then it definitely makes sense to apply for this card. It offers enough benefits to justify the annual fee and it improves many aspects of travel. You can earn rewards while making your life a bit easier so give this card a shot if you can make use of it often enough.

 

United Explorer Card

Introductory Offer:

You'll earn 40,000 miles after spending $2000 in the first 3 months.

Rewards:

You'll earn 2X miles on restaurants and hotel stays.

Benefits:

Free first checked bag for cardholder and one companion.

2 United Club Lounge passes per year.

Priority boarding.

Global Entry or TSA PreCheck fee statement credit.

Annual Fee:

$95 (waived in year 1)

Our Thoughts:

If you fly United, this card may make sense for you. The introductory offer is enough miles for multiple round trip flights. That is if you can find award space...
LEARN MORE >>

LEARN HOW TO APPLY NOW >>

 

Amex Blue Cash Everyday Review: A No-Fee Rewards Card for Groceries

blue cash everyday review

It is important to have access to credit cards that will help you to earn rewards. There are many things that you are going to have to purchase every single month no matter what. If you can pay for these things with a credit card and receive rewards for doing so, then it certainly makes sense to sign up for one of these cards. Sometimes the rewards from a credit card will be able to help alleviate some of your expenses in a significant way.

 

There are actually many excellent credit cards on the market that offer you cash-back options. If you are looking for a good everyday type of credit card to use, then you should take your time to find the right option. Getting the right card that will suit your specific spending habits is going to ensure that you have the best experience. One very practical card that you can consider is the Blue Cash Everyday Card from American Express.

 

We are going to be reviewing this credit card today in order to help you figure out if it is right for you. The Blue Cash Everyday Card has a lot to offer the average consumer but we will look at it from every possible angle. You can examine the rewards potential of the card, the fees, the benefits, and all other pertinent info. It will be very simple to see whether it is a good fit for your situation once you know all that there is to know.

 

Amex Blue Cash Everyday

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You’ll earn $150 cash back rewards after you spend $1,000 in the first 3 months.
REWARDS
You’ll earn 3% cash back at US supermarkets. (up to $6000 in purchases per year)
You’ll also earn 2% at US gas stations and select US department stores.
BENEFITS
Cash back is earned in reward dollars that can be used for statement credits, gift cards and merchandise.
FEES
No annual fee.
Terms Apply
TRAVEL FREEDOM THOUGHTS
This is a great no-fee card for grocery shopping. Earning 3X is one of the best without an annual fee.

 

Amex Blue Cash Everyday Credit Card Fees

One of the best things to know about the Blue Cash Everyday Card from American Express is that it does not have an annual fee. If you are one of the millions of people who prefer credit cards with no annual fee, then this is a good one for you to consider. You will not have to worry about losing money due to an annual fee and it makes it easier to just use the credit card how you want to. It is a good card for anyone who wants to keep things simple and cost-effective.

 

The credit card also comes with a nice introductory APR period that is good for both purchases and balance transfers. This allows you to avoid interest and makes it more practical to carry a balance if necessary. Some people may be able to take advantage of this in order to lessen their debts as well. It is not a card that is necessarily meant for that purpose but it will work during the introductory APR period.

 

A potential negative of this credit card is the fact that it has foreign transaction fees. If you travel outside of the United States and use this credit card somewhere, then you can expect to pay a 2.7% fee. This is going to make it fairly impractical to use the credit card outside of the country. You may be better off going with a different cash-back card option if you want to be able to use it while abroad.

 

All of the other fees that are associated with this credit card are fairly standard. It has a balance transfer fee of 3% with a $5 minimum. The cash advance fee is also set at 3% with a $5 minimum. Late payment and returned payment fees can be up to $38.

 

Features and Benefits of the Blue Cash Everyday Card

One good benefit is that this credit card comes with an easy-to-obtain welcome bonus. If you spend enough money within your first three months of being a cardholder, then you will be able to earn a nice statement credit. This is a welcoming bonus that comes in handy and it will potentially allow you to profit very quickly. This is a good thing to shoot for when you sign up so look out for those welcoming bonus terms if you decide to sign up for this card.

 

The card also comes with a few standard perks for you to enjoy. As you likely expect, there are not going to be any luxury perks associated with a card that has no annual fee. Even so, the perks that are present will likely impress you. You get many benefits just for being a cardholder and they are worthwhile to be aware of.

 

You can expect to be able to use your credit card to give yourself secondary car rental insurance. This will come in handy for anyone who travels on business from time to time. It can help to mitigate some of your costs if something happens while on the road. The credit card also comes with travel assistance to help make your traveling experience much easier.

 

Free roadside assistance is a part of this credit card package too. It can be good to have some peace of mind while you are out driving. Other normal perks include purchase protection, extended warranties, and car purchase discounts. When you look at all of the small perks together, then you see that this card offers a pretty good benefits package for a card with no annual fee.

amex blue cash everyday credit card

 

Membership Rewards Program Info

The rewards program of this credit card is going to be very helpful for anyone who makes normal purchases regularly enough. You will be able to earn 3% cash back on US supermarket purchases for the first $6000 spent in a calendar year. If you reach the spending limit, then you will only earn cash back at a 1% rate for the remainder of that year. This gives you the chance to earn a lot of cash by just buying groceries as you normally would.

 

You can also earn 2% cash back on all of your purchases at US gas stations. It is possible to earn 2% cash back at select US department stores as well. This gives you plenty of options for earning cash back while using this credit card. All of these spending categories are very common for just about everyone so you can see that this card has broad appeal.

 

The normal cash-back rate for all other purchases is only 1%. This is not the greatest flat rate for other purchases but it is still good to be able to earn rewards on anything that you purchase. The card is mostly useful for people who want to use it to hit those bonus categories, though. It can be a very good common credit card that you will be able to use to help reap some rewards every year.

 

All of your rewards will be able to be easily redeemed for a statement credit. The only caveat is that you will only be able to redeem your cash back rewards once you have earned at least $25. There is a $25 minimum redemption that you have to keep in mind. It should not be too much of an annoyance but it is something that you should know about.

 

The Pros

  • No annual fee
  • Good welcoming bonus offer
  • Ability to earn rewards in common spending categories
  • Introductory APR for both purchases and balance transfers

 

The fact that this credit card does not have an annual fee is definitely one of the big selling points. You will not need to worry about trying to make up the money that you are spending on the annual fee or anything. Any rewards that you earn from using the card will simply allow you to profit. Anyone who prefers cards that do not have annual fees attached to them will automatically gravitate toward this card.

 

You will also be able to enjoy a really nice welcoming bonus offer if you manage to qualify. As you likely expect, you will need to spend a certain amount of money within the first three months of being a cardholder. This will qualify you for a nice statement credit that can help to alleviate some of your expenses. It is pretty easy to obtain this welcoming bonus offer so it is something that you can likely look forward to.

 

This credit card is very beneficial due to the fact that it helps you to earn rewards in common spending categories too. You can receive 3% cash back on your purchases at US supermarkets for your first $6000 per year. If you reach the $6000 threshold, then you will only earn 1% for the remainder of the calendar year. The card also offers 2% cash back at US gas stations and some US department stores, making it a very practical credit card to use.

 

You will even be able to enjoy a nice introductory APR period. This credit card allows you to enjoy an introductory APR period on both purchases and balance transfers. If you need to use this card as a balance transfer card, then it may be practical to do so while the introductory APR period is active. It gives the credit card some added utility and may help to broaden its appeal just a little bit.

 

The Cons

  • It requires a somewhat high credit score.
  • Cash-back rewards come with a $25 minimum redemption.
  • It has foreign transaction fees.
  • American Express may not be as prevalent as Visa or Mastercard.

 

One of the biggest letdowns about this credit card is that it requires a pretty high score in order to qualify. This makes it an impractical card for anyone who only has fair credit or just slightly good credit. If you are rebuilding your credit and would like to have access to a good rewards card, then you are going to have to look elsewhere. It is not likely that you will be able to be approved for this card.

 

It is also unfortunate that cash-back rewards come with a $25 minimum redemption. You cannot just redeem your cash-back rewards in any increments that you see fit. Some cards will allow you to do this but this one is not one of them. This really isn’t that big of a deal but some people will be a little disappointed by this restriction.

 

You also need to look out for the foreign transaction fees of this credit card. You will have to pay a 2.7% foreign transaction fee whenever you use this credit card while abroad. This makes it very impractical to use this card outside of the country. If you travel to other countries frequently, then this credit card may not be the best choice for you.

 

There is also the fact that American Express is not as prevalent as Visa or Mastercard in America. Some merchants will not accept American Express and this could give you some problems. American Express is a very reputable credit card company but it just is not as widely accepted as the more common Visa and Mastercard options. Knowing this before you sign up may help you to decide whether this card is going to work out for you or not.

 

amex blue cash everyday card

 

Credit Score Needed for Approval

One of the problems with this credit card is that it requires a fairly high credit score just to qualify for it. It is recommended that you have a credit score of 690 or higher when applying for this card. The fact that it requires a high score despite not being a high-tier card may be off-putting for some people. Even so, it is a good card to have in your wallet. You just need to check your credit score ahead of time to ensure that you will qualify.

 

Who Does the Amex Blue Cash Everyday Credit Card Appeal to Most?

This credit card is mostly going to appeal to people who need a solid everyday credit card. Buying things such as groceries and gas with this credit card will allow you to earn cash-back rewards. This is great and you are going to need to buy these things anyway so it is sensible to want to profit from it. If you spend at least a few hundred dollars on gas and groceries in a month, then this credit card is certainly going to be helpful for you.

 

A card such as this is also appealing due to the fact that it does not come with any annual fees attached to it. You will not need to use the card enough to earn a certain amount of rewards just to make up for a high annual fee. This card can stay in your wallet and you can bust it out whenever it is convenient for you to do so. It’s a simple card that you can use to help you earn cash-back rewards when you want to.

 

An Alternative Card to Consider

Depending on how much you spend on your groceries every month, you may be better off with a version of this card that does come with an annual fee. The Blue Cash Preferred Card from American Express will allow you to profit a bit more when you spend more than $300 on groceries in a month. It will allow you to more than makeup for the attached $95 annual fee too.

Amex Blue Cash Preferred

 

See our full review of the Amex Blue Cash Preferred card.

 

It just comes down to how much you spend on groceries in a given month. If you only spend around $200, then the Blue Cash Everyday Card is likely to be the better fit. Those who live alone may not spend as much money on groceries. You need to crunch some numbers for yourself to figure out which card is going to give you the maximum rewards potential.

 

It may also be smart to think about using a card that offers you the potential for greater cash-back rewards in rotating categories. A card such as the Chase Freedom Card will give you access to 5% cash back in certain rotating bonus categories. It may be a bit more complex than the Blue Cash Everyday Card from American Express but it is undoubtedly going to be more lucrative if you use it properly.

 

Just think about whether you want a simple experience or if you would like to pay more attention in order to be rewarded at an increased rate. Either way, you will be able to get a good credit card that will appeal to you.

 

Decision Time: Is the Amex Blue Cash Everyday Right for You?

If you are looking for a very practical everyday credit card, then this one is likely going to please you. The Blue Cash Everyday Card from American Express allows you to earn cash-back rewards at a consistent rate. It is very easy to use this card for common purchases and you will not have trouble getting the most out of it. This is a card that should appeal to just about anyone due to its very common bonus categories.

 

Aside from that, the card is also just really easy to use due to having no annual fee. You will not have to worry about using the card enough to make up for some high annual fee. There are even many little benefits and perks for being a cardholder. It makes it a very easy pick for your wallet when you’re in need of a good credit card that can be used for things that you have to buy every month.

 

You will need a pretty good credit score to be able to gain access to this credit card, though. Even so, as long as you can get this credit card, it is going to prove to be worthwhile. It is not absolutely perfect but it is going to work fantastically for what many people need it for. Consider signing up for this credit card if you need a good gas and groceries card that will help you earn cash back.

 

Amex Blue Cash Everyday

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You’ll earn $150 cash back rewards after you spend $1,000 in the first 3 months.
REWARDS
You’ll earn 3% cash back at US supermarkets. (up to $6000 in purchases per year)
You’ll also earn 2% at US gas stations and select US department stores.
BENEFITS
Cash back is earned in reward dollars that can be used for statement credits, gift cards and merchandise.
FEES
No annual fee.
Terms Apply
TRAVEL FREEDOM THOUGHTS
This is a great no-fee card for grocery shopping. Earning 3X is one of the best without an annual fee.
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