Saturday, July 24

The best credit card offers of July 2021: Earn miles, points, or cash back


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The best credit card welcome bonuses of July 2021:

If you want to earn lots of points, miles, or cash back quickly, the best strategy is to apply for a rewards credit card and earn its welcome bonus. You’ll usually have to meet a minimum spending requirement in a specified time frame (typically a few months), and it’s well worth the effort to unlock a big bonus. 

Even better, many top travel rewards cards are currently offering record-high welcome bonuses. Some of these offers are only available for a limited time, so you shouldn’t wait long to apply.

The best credit card welcome offers available now

Regular APR

See Pay Over Time APR

Featured Reward

100,000 Membership Rewards points after you spend $6,000 in your first 6 months of card membership, plus 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of card membership

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  • Pros & Cons
  • Details

  • Pros
    • Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott (enrollment required)
    • Annual statement credits with Saks and Uber
    Cons
    • Bonus categories leave something to be desired
    • One of the highest annual fees among premium travel cards
    • Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
    • Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
    • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
    • Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
    • $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
    • $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
    • New! American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
    • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one qualifying airline.
    • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status available to Basic Card Member only.
    • $300 Equinox Credit: Get up to $25 back each month on select Equinox memberships. Enrollment required.
    • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
    • $695 Annual Fee.
    • Terms Apply.

    Read Our Review
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    The Platinum Card® from American Express is offering one of the most lucrative bonuses we’ve seen in recent months, and it’s also introducing a slew of new benefits, including up to $200 in annual hotel credits, up to $300 in annual Equinox credits**, and up to $240 in annual digital entertainment credits**.

    Read more: Amex Platinum card review

    You can still get hundreds of dollars in value from perks like up to $200 in Uber (including Uber Eats) credits** per year and up to $100 in annual Saks Fifth Avenue credits**. The Platinum Card also comes with excellent shopping and purchase benefits, including return protection, extended warranty, and targeted discounts and bonuses through Amex Offers.

    Travelers can take advantage of up to $200 in airline fee credits** each calendar year, airport lounge access, complimentary hotel elite status with Hilton and Marriott**, travel insurance, and Amex Fine Hotels and Resorts. You can use the Amex Membership Rewards points you’ll earn with the card to book flights, hotels, and more through Amex Travel, or transfer points to airline and hotel partners like Delta, British Airways, and Marriott.

    The annual fee recently increased by $145, to$695. However, if you can put these new perks to use — and maximize the 10x categories of the welcome bonus in the first six months — you can get thousands of dollars worth of value from the Platinum Card.

    Regular APR

    14.24 – 22.24 Variable

    Credit Score

    Good to Excellent

    Featured Reward

    100,000 Membership Rewards® points after you spend $15,000 on eligible purchases within your first 3 months of card membership

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  • Pros & Cons
  • Details

  • Pros
    • More travel benefits than you’ll find on any other business credit card
    • Generous airport lounge access options, from American Express Centurion Lounges to Priority Pass (enrollment required)
    • Complimentary hotel elite status (enrollment required)
    • Access to Amex concierge services
    Cons
    • Very high annual fee
    • Limited opportunities to earn bonus points
    • Annual statement credits won’t be useful for everyone
    • Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership.
    • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
    • Get 50% more Membership Rewards® points. That’s an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
    • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year when you book on amextravel.com.
    • Breeze through security with CLEAR® where available and get up to $179 back per year on your membership when you use your Card.
    • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
    • Pay Over Time Option: A flexible payment option to help manage cash flow on purchases of $100 or more.
    • Terms Apply.

    Read Our Review
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    Small-business owners have a big opportunity to earn a massive amount of points with the limited-time welcome bonus on The Business Platinum Card® from American Express. Like the personal Platinum Card, there’s a hefty annual fee — $595 (See Rates) — but it’s more than worth it if you can maximize the card’s perks.

    Read more: Amex Business Platinum card review

    Amex Business Platinum Card members get some of the same perks as personal cardholders, including airline fee credits, hotel elite status, and airport lounge access. You can also receive up to $200 in Dell statement credits** per year, and get a 35% points rebate when you redeem points for first- or business-class tickets, or for any fare with your selected airline, through Amex Travel (up to 500,000 points back per calendar year).

    If you’re not sure which version of the card is best for you, our comparison of the Amex Platinum and Business Platinum can help narrow down your choice.

    Regular APR

    See Pay Over Time APR

    Featured Reward

    60,000 points after you spend at least $4,000 in your first 6 months of account opening

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  • Pros & Cons
  • Details

  • Pros
    • Great rewards for dining and for shopping at US supermarkets
    • Monthly statement credit for eligible dining purchases recoups some of the annual fee
    Cons
    • Underwhelming welcome bonus
    • Rose Gold is back. You can now choose between Gold or Rose Gold.
    • Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
    • Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
    • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
    • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
    • $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
    • Get up to 12 complimentary months of an Uber Eats Pass subscription when you enroll with your Gold Card by 12/31/21.
    • No Foreign Transaction Fees.
    • Annual Fee is $250.
    • Terms Apply.

    Read Our Review
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    The Amex Gold Card is sometimes overlooked as the “kid brother” to its Platinum siblings, but it’s actually one of our favorite rewards cards, especially for dining. You’ll earn 4x points at restaurants up to $25,000 per year (then 1x) and up to $120 in annual dining credits** that you can use at select restaurants and on Grubhub and Seamless. It also offers up to $120 Uber Cash ($10 per month credit) each calendar year (this is only applicable to U.S. Eats orders and Rides, and the Gold Card needs to be added to the Uber app to receive the Uber Cash benefit).

    Read more: Amex Gold Card review

    The card didn’t always come with an attention-grabbing welcome bonus, but it’s now increased its intro offer to 60,000 points after you spend at least $4,000 in your first 6 months of account opening. Considering you can transfer your Amex points to nearly two dozen travel partners, these points can unlock lots of options for flights or hotel stays.

    Annual Fee

    $95 (waived the first year)

    Regular APR

    13.99% to 23.99% variable APR

    Featured Reward

    20% back on Amazon.com purchases (up to $200 back) in your first 6 months of Card Membership, plus $150 back as a statement credit after you spend $3,000 on the Card within the first 6 months

    Intro APR

    0% intro APR on purchases for 12 months from account opening

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  • Pros & Cons
  • Details

  • Pros
    • Generous bonus rewards, especially at U.S. supermarkets
    • One of a small handful of credit cards that offer bonus rewards on select streaming services
    • Intro APR offer
    Cons
    • Unlike many other cash-back cards, it charges an annual fee
    • If you spend more than $6,000 at US supermarkets each year, you’ll want to use another card once you reach that cap
    • Earn 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200 back.
    • Plus, earn $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.
    • $0 intro annual fee for the first year, then $95.
    • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
    • 6% Cash Back on select U.S. streaming subscriptions.
    • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
    • 1% Cash Back on other purchases.
    • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
    • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
    • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
    • Terms Apply.

    Read Our Review
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    If you like earning cash back and spend a lot on groceries and streaming services, the Blue Cash Preferred® Card from American Express is tough to beat. It’s now offering a 20% back on Amazon.com purchases (up to $200 back) in your first 6 months of Card Membership, plus $150 back as a statement credit after you spend $3,000 on the Card within the first 6 months, and earns 6% back at U.S. supermarkets on up to $6,000 in spending per calendar year (then 1%).

    Read more: Amex Blue Cash Preferred card review

    You’ll also earn 6% cash back on select U.S. streaming subscriptions, 3% cash back at U.S. gas stations and on transit (including taxis, rideshares, parking, tolls, trains, and buses), and 1% cash back on everything else (cash back is received in the form of Reward Dollars). If you max out the $6,000 limit at U.S. supermarkets, you could earn $360 in cash back each year just from that category alone — that’s more than enough to offset the annual fee of $95 (waived the first year) (See Rates).

    Credit Score

    Good to Excellent

    Featured Reward

    70,000 Membership Rewards® points after you spend $10,000 on eligible purchases within the first 3 months of card membership

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  • Pros & Cons
  • Details

  • Pros
    • You can bonus points on the categories where you make the most purchases (from a list of options)
    • 25% points rebate when you use rewards to book an eligible flight through Amex Travel
    Cons

    • Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
    • More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
    • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
    • Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
    • Pay Over Time Option: A flexible payment option with interest to help manage cash flow on purchases of $100 or more.*
    • *Terms Apply

    Read Our Review
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    The American Express® Business Gold Card normally offers 35,000 points after meeting minimum spending requirements, so this limited-time bonus is double the usual points. If you can maximize the credits you’ll do even better, because they can more than offset the card’s $295 annual fee (See Rates).

    Read more: Amex Business Gold Card review

    One reason the card has remained popular with small-business owners is the ability to earn 4x Amex Membership Rewards points in the top two categories you spend the most in each month, on up to $150,000 in combined purchases each year (then 1x). These categories include airfare purchased directly from airlines, U.S. gas stations, U.S. restaurants, U.S. shipping providers, select U.S. advertising and technology providers, and U.S. purchases for advertising in select media (online, TV, radio).

    Citi Premier® Card

    Regular APR

    15.99% – 23.99% Variable

    Credit Score

    Good to Excellent

    Featured Reward

    80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening

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  • Pros & Cons
  • Details

  • Pros
    • Strong sign-up bonus
    • Generous bonus categories
    Cons
    • Doesn’t offer much in the way of statement credits or other perks
    • Citi ThankYou Rewards may not be as convenient as other points for US-based travelers
    • Earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
    • Earn 3 Points per $1 spent at Restaurants and Supermarkets
    • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
    • Earn 1 Point per $1 spent on all other purchases
    • Annual Hotel Savings Benefit
    • 80,000 Points are redeemable for $800 in gift cards when redeemed at thankyou.com
    • No expiration and no limit to the amount of points you can earn with this card
    • No Foreign Transaction Fees on purchases

    The Citi Premier® Card is another card that doesn’t always get the attention it deserves. It earns flexible Citi ThankYou Rewards points that you can redeem for travel, transfer to airline partners, cash in for statement credits, gift cards, or merchandise, and even use to pay off your student loan or mortgage. 

    Read more: Citi Premier card review

    In addition to offering a record-high bonus of 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening, the Citi Premier card stands out for its pandemic-friendly bonus categories, including 3 points per dollar at restaurants and supermarkets. This makes the card a great option for maximizing your everyday purchases — because everyone has to eat.

    The Citi Premier® Card also comes with a hotel savings benefit that can offset its entire $95 annual fee. This perk will save you $100 once per calendar year when you book a hotel stay of $500 or more (excluding taxes and fees) through ThankYou.com.

    Regular APR

    15.99%-22.99% Variable

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  • Pros & Cons
  • Details

  • Pros
    • High sign-up bonus starts you off with lots of points
    • Strong travel coverage
    Cons
    • Doesn’t offer a Global Entry/TSA PreCheck application fee credit
    • Best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $1,250 when you redeem through Chase Ultimate Rewards®.
    • Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
    • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $1,250 toward travel.
    • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
    • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash’s subscription service. Activate by 12/31/21.
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
    • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.

    Read Our Review
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    You can’t go wrong with the Chase Sapphire Preferred® Card — it’s one of the best to start with if you’re new to credit card rewards (or if you don’t want to pay the $550 annual fee on its premium sibling, the Chase Sapphire Reserve®). 

    Read more: Chase Sapphire Preferred card review

    The card offers a welcome bonus of 100,000 points after you spend $4,000 on purchases in the first three months of account opening. The great thing about Chase Ultimate Rewards points is their flexibility — redemption options include booking travel directly through the Chase Travel Portal, transferring points to airline and hotel partners like United and Marriott, or cashing in rewards for statement credits, gift cards, and merchandise.

    Regular APR

    16.99%-23.99% Variable

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  • Pros & Cons
  • Details

  • Pros
    • Annual travel credit can effectively shave $300 off the annual fee if you use it
    • Strong travel insurance
    • Strong bonus rewards on travel and dining
    Cons
    • Very high annual fee
    • The new DoorDash statement credits may not be useful for everyone, which can make the recently increased annual fee harder to justify
    • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when you redeem through Chase Ultimate Rewards®
    • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
    • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 1 point per $1 spent on all other purchases
    • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
    • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
    • 1:1 point transfer to leading airline and hotel loyalty programs
    • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓®
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more

    Read Our Review
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    The more premium sibling of the Chase Sapphire Preferred® Card, the Chase Sapphire Reserve® is offering 60,000 points after spending $4,000 on purchases in the first three months of account opening — an increase of 10,000 points over the usual offer. It also earns Chase Ultimate Rewards points, allows transfers to Chase airline and hotel partners, and offers the same variety of options for points redemption as the Chase Sapphire Preferred® Card.

    Read more: Chase Sapphire Reserve review

    The Chase Sapphire Reserve® has a $550 annual fee — substantially higher than the Chase Sapphire Preferred® Card. However, if you can make use of the card’s additional benefits — especially if you’re traveling — the annual fee is certainly worth it. 

    Regular APR

    17.24% to 24.49% variable

    Credit Score

    Good to Excellent

    Featured Reward

    Earn 100,000 bonus miles once you spend $20,000 on purchases within the first 12 months from account opening (or 50,000 miles if you spend $3,000 on purchases within the first 3 months)

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  • Pros & Cons
  • Details

  • Pros
    • No bonus categories to keep track of
    • Includes up to a $100 statement credit for Global Entry or TSA PreCheck
    Cons
    • Other credit cards offer higher rewards in certain categories of spending
    • Annual Fee: $95
    • Welcome Bonus: 100,000 bonus miles once you spend $20,000 on purchases within the first 12 months from account opening (or 50,000 miles if you spend $3,000 on purchases within the first 3 months)

    Read Our Review
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    The Capital One Venture Rewards Credit Card is offering new cardholders a limited-time welcome bonus: Earn 100,000 bonus miles once you spend $20,000 on purchases within the first 12 months from account opening (or 50,000 miles if you spend $3,000 on purchases within the first 3 months). Aside from the bonus, you’ll earn 40,000 Venture miles after spending $20,000 within 12 months, which means you could earn up to 140,000 miles in total, between the full bonus and annual spending. This offer ends on July 19, 2021.

    Read more: Capital One Venture Rewards Credit Card review

    With the Capital One Venture Rewards Credit Card, you’ll earn 2x miles on all eligible purchases with no caps. Capital One Venture miles are worth 1 cent apiece when you redeem them toward travel purchases charged to your card, and potentially more when you transfer miles to travel partners like JetBlue, Singapore Airlines, and Air Canada Aeroplan. That’s why Insider values Capital One miles as worth, on average, 1.4 cents each.

    Capital One recently added new partners — British Airways, Turkish Airlines, TAP Air Portugal, and Choice Hotels — and improved the transfer ratio to 1:1 for some partners as well. 

    Regular APR

    15.99%–20.99% variable APR

    Credit Score

    Good to Excellent

    Featured Reward

    100,000 points after spending $15,000 on purchases in the first 3 months from account opening

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  • Pros & Cons
  • Details

  • Pros
    • High sign-up bonus
    • Offers 3x bonus points on several spending categories, including travel and advertising purchases
    • Includes comprehensive travel coverage
    Cons
    • Welcome bonus has a very high minimum spending requirement
    • Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That’s $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
    • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
    • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
    • With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information
    • Redeem points for cash back, gift cards, travel and more – your points don’t expire as long as your account is open
    • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
    • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account
    • $95 Annual Fee

    Read Our Review
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    The Ink Business Preferred® Credit Card offers the highest welcome bonus among Chase cards that earn Ultimate Rewards points: 100,000 points after spending $15,000 on purchases in the first 3 months from account opening.

    Read more: Ink Business Preferred Credit Card review

    Plus, it has generous bonus categories — you’ll earn 3 points per dollar in the first $150,000 in combined purchases you make on categories including travel, shipping, and advertising (and 1 point per dollar on everything else). This card has a $95 annual fee, and it offers benefits like primary rental car insurance when you’re renting a car for business purposes and cell phone protection.

    Regular APR

    13.24%–19.24% variable APR

    Credit Score

    Good to Excellent

    Featured Reward

    $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening

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  • Pros & Cons
  • Details

  • Pros
    • Broad 5% and 2% cash-back categories (you can earn bonus cash back at office supply stores and at gas stations and restaurants)
    • Intro APR offer for purchases
    • No annual fee
    • You can pair this card with a card that earns Ultimate Rewards to redeem your cash back for travel
    Cons
    • Annual cap on bonus categories
    • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
    • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
    • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
    • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
    • With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information
    • No Annual Fee
    • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
    • 0% introductory APR for 12 months on purchases

    Read Our Review
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    If you’re looking for Chase small-business card but don’t want to meet the hefty spending requirement on the Ink Business Preferred® Credit Card, the no-annual-fee Ink Business Cash® Credit Card is a great alternative. You’ll earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening — awarded as 75,000 Chase Ultimate Rewards points.

    Read more: Ink Business Cash Credit Card review

    The Ink Business Cash® Credit Card is a good pick if you spend a lot in the card’s bonus categories: 5% cash back (5x points) on the first $25,000 spent (then 1x) in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year, 2% back (2x points) on the first $25,000 spent (then 1x) in combined purchases at gas stations and restaurants each account anniversary year, and 1% back (1x points) on all other purchases with no cap.

    Regular APR

    13.24%–19.24% variable APR

    Credit Score

    Good to Excellent

    Featured Reward

    $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening

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  • Pros & Cons
  • Details

  • Pros
    • Earns 1.5% cash back on every purchase, with no bonus categories to keep track of
    • Intro APR offer
    • No annual fee
    Cons
    • You can earn more cash back on some purchases with a card that has bonus categories
    • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
    • Earn unlimited 1.5% cash back on every purchase made for your business
    • No Annual Fee
    • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
    • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control
    • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
    • With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information
    • 0% introductory APR for 12 months on purchases

    Read Our Review
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    Some small-business owners don’t want to fuss with bonus categories or spending limits. If that’s your style, the Ink Business Unlimited® Credit Card is an easy pick — it earns 1.5% cash back (1.5x points) on all eligible purchases with no caps.

    Read more: Ink Business Unlimited Credit Card review

    It’s also offering a bonus of $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening (75,000 Chase Ultimate Rewards points) and has no annual fee. Although you won’t have the opportunity to earn bonus points in popular business categories, the Ink Business Unlimited® Credit Card is a good fit if you value simplicity and straightforward earning.

    Regular APR

    14.99%–23.74% variable APR

    Credit Score

    Good to Excellent

    Featured Reward

    $200 after spending $500 in the first three months from account opening

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  • Pros & Cons
  • Details

  • Pros
    • Solid flat cash-back rate
    • You can combine cash-back rewards with Ultimate Rewards points if you have an eligible card
    • No annual fee
    Cons
    • Some other cards offer a higher rate of cash back on certain types of purchases
    • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
    • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
    • Earn unlimited 1.5% cash back on all other purchases.
    • Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1.5% on all other purchases.
    • No annual fee.
    • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 – 23.74%.
    • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.

    Read Our Review
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    The Chase Freedom Unlimited® is one of the best cash-back cards you can get, and it now offers one of the most generous intro bonuses, too. You can earn $200 after spending $500 in the first three months from account opening (20,000 Chase Ultimate Rewards points). New cardholders can also earn 5% back (5x points) at grocery stores (excluding Target and Walmart) on up to $12,000 in spending during the first year of account opening (then 1x).

    Read more: Chase Freedom Unlimited credit card review

    You’ll earn 5% cash back (5x points) on travel purchased through the Chase Ultimate Rewards portal, 3% cash back (3x) on dining and drugstore purchases, and 1.5% cash back (1.5x) on everything else. You can even pair the Chase Freedom Unlimited® with one of Chase’s travel cards, like the Chase Sapphire Preferred or Chase Sapphire Reserve®, and unlock the ability to transfer points to partners like Hyatt, British Airways, and Singapore Airlines.

    Regular APR

    14.99% – 23.74%

    Credit Score

    Good to Excellent

    Featured Reward

    $200 Bonus after you spend $500 on purchases in your first 3 months from account opening

    Intro APR

    0% for the first 15 billing cycles

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  • Pros & Cons
  • Details

  • Pros
    • No annual fee
    • Generous bonus cash-back categories
    • Great welcome bonus
    Cons
    • Booking through Ultimate Rewards portal can restrict outside earning potential
    • Varying percentages and rotating calendar categories require extra attention
    • 3% foreign transaction fees
    • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
    • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
    • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
    • Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.
    • No annual fee.
    • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 – 23.74%.
    • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.

    Read Our Review
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    The no-annual-fee Chase Freedom Flex℠ has the same great welcome offer as the Chase Freedom Unlimited®: a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening (20,000 Chase Ultimate Rewards points). New cardholders can also earn 5% back (5x points) at grocery stores (excluding Target and Walmart) on up to $12,000 in spending during the first year of account opening (then 1x)

    Read more: Chase Freedom Flex credit card review

    The Chase Freedom Flex℠ earns 5% cash back (5x points) on rotating quarterly bonus categories after activation (on up to $1,500 spent per quarter, then 1%), 5% back (5x) on travel booked through Chase Ultimate Rewards, 3% back (3x) on dining and drugstore purchases, and 1% back (1x) on everything else.

    Annual Fee

    $0 for the first year, then $99

    Regular APR

    15.74% – 24.74% variable

    Featured Reward

    70,000 Bonus Miles after spending $2,000 in purchases (plus a $200 statement credit after you make a Delta purchase) within your first 3 months (offer expires 7/28/2021)

    Intro APR

    0% intro APR on purchases for 12 months (offer expires 7/28/2021)

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  • Pros & Cons
  • Details

  • Pros
    • Earns bonus miles at restaurants and US supermarkets
    • Annual fee is waived the first year
    • You get a free checked bag and Main Cabin 1 Priority Boarding on Delta flights
    Cons
    • Doesn’t go above and beyond in terms of benefits beyond Delta perks
    • Limited Time Offer: Earn 70,000 Bonus Miles after spending $2,000 in purchases on your new Card in your first 3 months and a $200 statement credit after you make a Delta purchase with your new Card within your first 3 months. Offer expires 7/28/2021.
    • Limited Time Offer: Plus, get a 0% intro APR on purchases for 12 months from the date of account opening, then a variable 15.74%-24.74%. Offer expires 7/28/2021.
    • Enjoy your first checked bag free on Delta flights.
    • Earn 2X Miles on Delta purchases, at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
    • $100 Delta Flight Credit: After you spend $10,000 in purchases on your card in a calendar year, receive a Credit to use toward future travel.
    • Enjoy a $0 introductory Annual Fee for the first year, then $99.
    • Terms Apply.

    Read Our Review
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    The Delta SkyMiles® Gold American Express Card normally comes with 35,000 miles after you meet the minimum spending requirements, so the elevated offer to earn 70,000 Bonus Miles after spending $2,000 in purchases (plus a $200 statement credit after you make a Delta purchase) within your first 3 months (offer expires 7/28/2021) is a big increase over the regular bonus. Plus, earning a $200 statement credit after your first Delta purchase in the first three months makes this an even sweeter deal.

    Read more: Delta SkyMiles Gold American Express Card review: Worth it for the free checked bag and other benefits, even if you only fly Delta occasionally

    If you fly Delta occasionally, the Delta SkyMiles® Gold American Express Card is a great choice. You’ll receive a free first checked bag on Delta flights for yourself and up to eight companions on the same reservation (worth $30 per bag), so this perk alone can more than offset the card’s annual fee of $0 for the first year, then $99 (See Rates).

    Cardholders (and companions) also receive priority boarding, a 20% discount on inflight purchases, a $100 Delta flight credit after you spend $10,000 on the card in a calendar year, and no foreign transaction fees (See Rates).

    Regular APR

    15.74% to 24.74% variable

    Credit Score

    Good to Excellent

    Featured Reward

    90,000 Bonus Miles after spending $3,000 in purchases (plus a $200 statement credit after you make a Delta purchase) within your first 3 months (offer expires 7/28/2021)

    Intro APR

    0% intro APR on purchases for 12 months (offer expires 7/28/2021)

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  • Pros & Cons
  • Details

  • Pros
    • Earns bonus miles at restaurants and U.S. supermarkets
    • Annual companion certificate can help you recoup most, if not all, of the annual fee
    • You get a free checked bag and priority boarding on Delta flights
    Cons

    • Limited Time Offer: Earn 90,000 Bonus Miles after spending $3,000 in purchases on your new Card in your first 3 months and a $200 statement credit after you make a Delta purchase with your new Card within your first 3 months. Offer expires 7/28/2021.
    • Limited Time Offer: Plus, get a 0% intro APR on purchases for 12 months from the date of account opening, then a variable 15.74% – 24.74%. Offer expires 7/28/2021.
    • Accelerate your path to Medallion Status, with Status Boost®. Plus, in 2021 you can earn even more bonus Medallion® Qualification Miles (MQMs) to help you reach Medallion Status.
    • Earn 3X Miles on Delta purchases and purchases made directly with hotels.
    • Earn 2X Miles at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
    • Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. *Payment of the government imposed taxes and fees of no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
    • Enjoy your first checked bag free on Delta flights.
    • Fee Credit for Global Entry or TSA Pre✓®.
    • Enjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club® for you and up to two guests when traveling on a Delta flight.
    • No Foreign Transaction Fees.
    • $250 Annual Fee.
    • Terms Apply.

    Read Our Review
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    The Delta SkyMiles® Platinum American Express Card is suited to travelers who fly Delta a little more frequently, and it’s now offering a bonus of 90,000 Bonus Miles after spending $3,000 in purchases (plus a $200 statement credit after you make a Delta purchase) within your first 3 months (offer expires 7/28/2021). That’s more than double the usual 40,000-mile offer, and the statement credit is an excellent boost.

    Read more: Delta SkyMiles Platinum Card review: Excellent perks for Delta flyers, including a companion certificate that can save you hundreds of dollars

    Cardholders receive the same checked bag, priority boarding, and inflight discount benefits as the Delta SkyMiles® Gold American Express Card, and also get a Global Entry or TSA PreCheck application fee credit of up to $100, and discounted access to Sky Club lounges.

    If you’re trying to earn Delta elite status, the card’s Status Boost perk offers 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your card in a calendar year, up to two times (offer ends 12/31/21). For 2021, Delta has improved this benefit even further, adding 25% more miles for meeting the same spending thresholds.

    The card’s best perk — one that makes the $250 annual fee (See Rates) more than worth it — is an annual companion certificate you’ll receive each card anniversary. With the certificate, when you book an economy-class flight for yourself anywhere within the continental US, you can get a second ticket for free (just pay minimal taxes and fees).

    Regular APR

    15.74% to 24.74% variable APR

    Featured Reward

    80,000 Bonus Miles and 20,000 Medallion® Qualification Miles (MQMs) after you spend $5,000 in purchases (plus a $200 statement credit after you make a Delta purchase) in your first 3 months (offer expires 7/28/2021)

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  • Pros & Cons
  • Details

  • Pros
    • Annual companion certificate benefit, which is valid for domestic first class and Comfort+ as well as the main cabin
    • Access to Delta Sky Clubs and American Express Centurion Lounges when you’re flying Delta
    • Earns 3x miles on Delta purchases
    Cons
    • Very high annual fee
    • Doesn’t offer bonus miles on non-Delta purchases
    • Limited Time Offer: Earn 80,000 Bonus Miles and 20,000 Medallion® Qualification Miles (MQMs) after you spend $5,000 in purchases on your new Card in your first 3 months and a $200 statement credit after you make a Delta purchase with your new Card within your first 3 months. Offer expires 7/28/2021.
    • Accelerate your path to Medallion Status, with Status Boost®. Plus, in 2021 you can earn even more bonus Medallion® Qualification Miles (MQMs) to help you reach Medallion Status.
    • Complimentary access into the Delta SkyClubs® for you when traveling on a Delta flight.
    • Enjoy complimentary access to The Centurion® Lounge when you book your Delta flight with your Reserve Card.
    • Fee Credit for Global Entry or TSA Pre✓®.
    • Enjoy your first checked bag free on Delta flights.
    • Earn 3X Miles on Delta purchases.
    • Earn 1X Mile on all other eligible purchases.
    • No Foreign Transaction Fees.
    • $550 annual fee.
    • Terms Apply.

    Read Our Review
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    The Delta SkyMiles® Reserve American Express Card now comes with an increased welcome bonus: 80,000 Bonus Miles and 20,000 Medallion® Qualification Miles (MQMs) after you spend $5,000 in purchases (plus a $200 statement credit after you make a Delta purchase) in your first 3 months (offer expires 7/28/2021). While it does tack on a $550 annual fee (See Rates), it’s worth it if you fly Delta often — and the $200 statement credit effectively erases a fair chunk of the annual fee.

    Read more: Amex Delta Reserve credit card review: Best for Delta loyalists who want airport lounge access and premium perks

    You’ll receive access to Delta Sky Club airport lounges when flying Delta, and access to Amex Centurion Lounges when you fly Delta and use your card to book the ticket. You’ll also get two Delta Sky Club one-time guest passes each year, up to $100 for a Global Entry or TSA PreCheck application fee credit, and access to complimentary upgrades for non-elite Delta members. 

    Delta Medallion members with the card are eligible for complimentary, space-available upgrades to first class and Delta One on flights within the US and the region, including Mexico and Central America, and extra-legroom seats on international flights.

    Regular APR

    16.49% – 23.49% Variable

    Credit Score

    Good to Excellent

    Featured Reward

    80,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open, plus an additional 20,000 bonus miles after you spend $10,000 in the first 6 months

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  • Pros & Cons
  • Details

  • Pros
    • Substantial sign-up bonus of up to 100,000 miles
    • A free first and second checked bag can save you and a companion up to $320 round-trip
    • Up to $125 in annual credits toward United purchases can offset half the annual fee
    • 5,000-mile award flight credit can help you stretch your United miles
    Cons
    • High $250 annual fee
    • Card doesn’t offer United Club lounge access or passes
    • Earn 80k bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, an additional 20k bonus miles after you spend $10,000 in the first 6 months
    • $250 Annual Fee
    • Earn 3X miles on United® purchases, 2X miles at restaurants, on select streaming services & all other travel, 1X on all other purchases
    • Earn 3X miles on United Airlines purchases
    • Earn 2X miles at restaurants and on select streaming services
    • Earn 2X miles on all other travel
    • Earn 1X mile on all other purchases
    • Each year, receive a $125 credit on United® purchases and two 5k-mile anniversary award flight credits. Terms apply.

    The New United Quest℠ Card is the most recent addition to Chase’s lineup of United credit cards. With a $250 annual fee, the New United Quest℠ Card falls in between the United℠ Explorer Card (annual fee of $95, waived the first year) and the premium United Club℠ Infinite Card ($525 annual fee), and it comes with benefits that can make it well worth the yearly cost.

    Read more: United Quest credit card review

    Cardholders receive up to $125 in annual credits toward United purchases, a 5,000-mile credit on award flights up to two times a year after your first cardmember anniversary, and a free first and second checked bag on United flights for themselves and one companion on the same reservation. The card also offers up to $100 credit for the Global Entry or TSA PreCheck application fee, travel protections like primary car rental insurance, and complimentary upgrades on award tickets for Premier members.

    Annual Fee

    $95, waived the first year

    Regular APR

    16.49% to 23.49% Variable

    Credit Score

    Good to Excellent

    Featured Reward

    60,000 bonus miles after you spend $3,000 on purchases in the first 3 months from account opening. Plus, another 10,000 bonus miles after you spend $6,000 in the first 6 months

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  • Pros & Cons
  • Details

  • Pros
    • Annual fee is waived the first year
    • Earns bonus miles on several purchase categories, including dining
    • Includes an application fee credit for Global Entry or TSA PreCheck
    • Gets you a free checked bag on United when you pay with the card
    Cons
    • Not the most rewarding card for most non-United travel purchases
    • Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open. Plus, an additional 10,000 bonus miles after you spend $6,000 in the first 6 months
    • $0 introductory annual fee for the first year, then $95
    • Earn 2 miles per $1 spent on dining, hotel stays, and United purchases
    • Up to $100 Global Entry or TSA PreCheck® fee Credit
    • 25% back on United inflight purchases
    • Check your first bag for free (a savings of up to $140 per roundtrip) when you use your card to purchase your ticket
    • Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
    • Earn 2 miles per $1 spent on dining and eligible delivery services

    Read Our Review
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    The United℠ Explorer Card is the best all-around card for United flyers, because, on United flights, cardholders and a companion on the same reservation receive a free first checked bag when they pay with the card. You’ll also get priority boarding, a 25% discount on inflight food, beverage, and Wi-Fi purchases, and two one-time United Club passes each anniversary year (worth $59 apiece).

    Read more: United Explorer credit card review

    Normally, the bonus on the United℠ Explorer Card is 40,000 miles after meeting minimum spending requirements, but the new offer is 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months from account opening. Plus, another 10,000 bonus miles after you spend $6,000 in the first 6 months. The annual fee is $95, waived the first year, and you’ll also get up to $100 in statement credit for the Global Entry or TSA PreCheck application fee every four years.

    Regular APR

    16.49% – 23.49% Variable

    Featured Reward

    75,000 bonus miles after you spend $3,000 on purchases in the first 3 months from account opening

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  • Pros & Cons
  • Details

  • Pros
    • Great sign-up bonus
    • If you want United Club membership, this card gets you it for less than buying it outright
    • Get two free checked bags on United
    • Earns 4x miles on United purchases
    Cons
    • Steep annual fee, especially for an airline credit card
    • The non-United bonus categories (travel and dining) only earn 2x miles
    • Earn 75,000 Bonus Miles
    • Earn 4 miles per $1 spent on United purchases including tickets, Economy Plus, inflight food, beverages and Wi-Fi, and other United charges
    • Earn 2 miles per $1 spent on all other travel
    • Earn 2 miles per $1 spent on dining at restaurants and eligible delivery services
    • Earn 1 mile per $1 spent on all other purchases
    • Up to $100 Global Entry or TSA PreCheck® fee credit
    • Free first and second checked bags – a savings of up to $320 per roundtrip. Terms Apply
    • 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flight when you pay with your Club Card

    Read Our Review
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    If you fly United frequently and enjoy airport lounge access, you should consider the United Club℠ Infinite Card, with a new bonus of 75,000 bonus miles after you spend $3,000 on purchases in the first 3 months from account opening. There’s a $525 annual fee, but in return, cardholders receive a full United Club airport lounge membership. Normally, a membership costs $650, so this is a better deal compared to paying directly for this privilege.

    Read more: United Club Infinite credit card review

    Cardholders receive up to two free checked bags for the cardholder and one companion on United flights, Premier Access (priority check-in, security screening, boarding, and baggage handling when flying United), and a 25% discount on inflight food, beverages, and Wi-Fi aboard United-operated flights. If you have United Premier elite status and are traveling on an award ticket, you’ll also eligible for complimentary Premier upgrades on United-operated flights, subject to availability.

    Regular APR

    16.49%–23.49% Variable

    Credit Score

    Good to Excellent

    Featured Reward

    75,000 miles after you spend $5,000 on purchases in the first 3 months from account opening, and another 75,000 miles after you spend $20,000 total in the first 6 months

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  • Pros & Cons
  • Details

  • Pros
    • Solid travel benefits with United, including a free checked bag and priority boarding
    • $100 annual United travel credit is relatively easy to earn
    Cons
    • Beyond the sign-up bonus, it will take a while to earn a lot of miles through everyday spending on this card
    • Earn up to 150,000 bonus miles
    • Earn 75,000 miles after you spend $5,000 on purchases in the first 3 months your account is open. Earn an additional 75,000 miles after you spend $20,000 total in the first 6 months.
    • Receive a 5,000-mile “better together” bonus each anniversary when you have both the United℠ Business Card and a personal United credit card.
    • Earn 2 miles per $1 spent on United purchases, at restaurants (including eligible delivery services), gas stations, office supply stores, and on local transit and commuting.
    • Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost – miles earned from their purchases accrue in your account so you can earn rewards faster.
    • Enjoy a free first checked bag – a savings of up to $140 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
    • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for one year with DashPass, DoorDash’s membership service. Activate by 12/31/21.
    • $100 United travel credit after 7 United flight purchases of $100 or more each anniversary year.

    Read Our Review
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    Small-business owners should consider the increased bonus on the United℠ Business Card, which is offering 75,000 miles after you spend $5,000 on purchases in the first 3 months from account opening, and another 75,000 miles after you spend $20,000 total in the first 6 months. The annual fee is $99, which is very reasonable, especially considering the normal bonus on the card is just 60,000 miles.

    Read more: United Business credit card review

    Along with many of the same benefits as the personal United℠ Explorer Card (free checked bag, priority boarding, two one-time United Club passes each anniversary year, Global Entry or TSA PreCheck application fee credit), the United℠ Business Card throws in some additional perks. 

    If you make seven or more United flight travel-related purchases of at least $100 in an account anniversary year with your 75,000 miles after you spend $5,000 on purchases in the first 3 months from account opening, and another 75,000 miles after you spend $20,000 total in the first 6 months, you will receive a $100 statement credit. And if you also have a personal Chase United card (like the United℠ Explorer Card or United Gateway℠ Card), you’ll receive a “better-together anniversary bonus” of 5,000 United miles each anniversary of your 75,000 miles after you spend $5,000 on purchases in the first 3 months from account opening, and another 75,000 miles after you spend $20,000 total in the first 6 months.

    Regular APR

    16.49% – 23.49% Variable

    Credit Score

    Good to Excellent

    Featured Reward

    15,000 bonus miles after you spend $1,000 on purchases in the first 3 months from account opening. Plus, another 15,000 miles after you spend $3,000 total on purchases made in the first 6 months from account opening

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  • Pros & Cons
  • Details

  • Pros
    • No annual fee
    • Good bonus categories (including gas stations and local transit/commuting)
    • Access to expanded United award availability
    Cons
    • Other United credit cards have much higher welcome bonuses
    • No free checked bag benefit like other United cards
    • Few United perks other than 25% back on inflight purchases
    • Earn up to 30,000 bonus miles
    • No annual fee
    • Earn 2 miles per $1 spent on United Airlines purchases, at gas stations and on local transit and commuting
    • Earn 2 miles per $1 spent on United Airlines purchases
    • Earn 2 miles per $1 spent at gas stations
    • Earn 2 miles per $1 spent on local transit and commuting
    • Earn 1 mile per $1 spent on all other purchases

    TheUnited Gateway℠ Card isn’t as flashy as other United cards, and it usually only offers a welcome bonus of 10,000 miles after meeting minimum spending requirements. But right now, the bonus has been bumped up to 15,000 bonus miles after you spend $1,000 on purchases in the first 3 months from account opening. Plus, another 15,000 miles after you spend $3,000 total on purchases made in the first 6 months from account opening — not a bad deal for a card with no annual fee.

    Read more: United Gateway Card review

    The 15,000 bonus miles after you spend $1,000 on purchases in the first 3 months from account opening. Plus, another 15,000 miles after you spend $3,000 total on purchases made in the first 6 months from account opening doesn’t offer many travel benefits, except a 25% discount on inflight purchases and no foreign transaction fees. However, this card is an excellent choice if you don’t want to pay an annual fee but still want access to expanded award availability on United flights.

    Regular APR

    15.74%-24.74% Variable

    Featured Reward

    100,000 points after you spend $1,000 in purchases in the first 3 months of Card Membership, plus, up to $100 in statement credits on eligible purchases made on the Card at any of the Hilton family of hotels in the first 12 months of Card Membership (offer expires 8/25/2021)

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  • Pros & Cons
  • Details

  • Pros
    • High welcome bonus
    • No annual fee
    • Complimentary Silver elite status with Hilton
    Cons
    • Limited benefits beyond earning Hilton points
    • Limited Time Offer: Earn 100,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Card in the first 3 months of Card Membership. Offer expires 8/25/2021.
    • Limited Time Offer: Plus, earn up to $100 in statement credits on eligible purchases made on the Card at any of the Hilton family of hotels in the first 12 months of Card Membership. Offer expires 8/25/2021.
    • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio.
    • Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
    • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
    • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
    • Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.
    • No Annual Fee.
    • Terms Apply.

    The Hilton Honors American Express Card is offering a new welcome bonus: 100,000 points after you spend $1,000 in purchases in the first 3 months of Card Membership, plus, up to $100 in statement credits on eligible purchases made on the Card at any of the Hilton family of hotels in the first 12 months of Card Membership (offer expires 8/25/2021). That’s a great deal for a card with no annual fee (See Rates).

    Read more: Hilton Honors American Express card review

    Cardholders receive perks including automatic Hilton Silver elite status, 7 points per dollar spent on eligible purchases at Hilton hotels, 5 points per dollar at eligible U.S. restaurants, U.S. supermarkets, and U.S. gas stations, and 3 points per eligible dollar everywhere else.

    Plus, if you spend $20,000 or more on eligible purchases with the card in a calendar year, you’ll get an upgrade to Hilton Gold status, which gets you a better chance at upgrades and more benefits, like free breakfast.

    The Hilton Honors American Express Card is one of only a handful of no-annual-fee travel cards without foreign transaction fees (See Rates), so it’s a good pick for international purchases.

    Hilton Honors American Express Surpass® Card

    Annual Fee

    $0 intro for the first year, then $95 (offer expires 8/25/2021)

    Regular APR

    15.74%-24.74% Variable

    Credit Score

    Good to Excellent

    Featured Reward

    130,000 points after you spend $2,000 in purchases in your first 3 months of card membership (offer expires 8/25/2021)

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  • Pros & Cons
  • Details

  • Pros
    • High welcome bonus
    • Complimentary Hilton Gold elite status
    • Generous bonus categories for earning points
    Cons
    • Weekend night reward requires spending $15,000 on the card in a year
    • Not much in the way of complimentary benefits beyond Hilton Gold status
    • The information related to the Hilton Honors American Express Surpass® Card has been collected by Business Insider and has not been reviewed or provided by the issuer.
    • Limited Time Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 3 months of Card Membership. Offer expires 8/25/2021.
    • Limited Time Offer: Enjoy $0 intro Annual Fee for the first year, then $95. Offer expires 8/25/2021.
    • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
    • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
    • Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
    • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
    • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
    • Terms Apply.

    Read Our Review
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    There’s also a new offer on the Hilton Honors American Express Surpass® Card. You can earn a bonus of 130,000 points after you spend $2,000 in purchases in your first 3 months of card membership (offer expires 8/25/2021). The Hilton Honors American Express Surpass® Card has a $0 intro for the first year, then $95 (offer expires 8/25/2021) annual fee (see review).

    Normally, the annual fee isn’t waived for the first year, so this is a good opportunity to try out the card and its perks at no cost for the first 12 months to see if they’re a good fit for your spending and travel habits. 

    Read more: Hilton Honors American Express Surpass card review

    Along with earning lots of Hilton points, the card comes with automatic Hilton Gold elite status, which comes with perks like room upgrades, bonus earning on stays, and complimentary breakfast (currently awarded as a food and beverage credit). You’ll also receive a free weekend night (valid at almost any Hilton hotel) if you spend $15,000 on the card in a calendar year.

    Regular APR

    15.74% – 24.74% Variable

    Credit Score

    Good to Excellent

    Featured Reward

    130,000 points after you spend $3,000 on purchases in the first 3 months of Card Membership. Plus, earn up to $100 in Statement Credits on eligible purchases made on the Card at any of the Hilton family of hotels in the first 12 months of Card Membership (offer ends 8/25/2021)

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  • Pros & Cons
  • Details

  • Pros
    • Comes with complimentary Hilton Gold elite status
    • Strong welcome bonus
    • Earns bonus points on a wide variety of purchases
    Cons
    • You have to spend at least $15,000 on eligible purchases in a calendar year to earn a reward night
    • Limited Time Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 3 months of Card Membership. Plus, Earn Up to $100 in Statement Credits on eligible purchases made on the Card at any of the Hilton family of hotels in the first 12 months of Card Membership. Offer ends 8/25/2021.
    • Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X on all other eligible purchases. Terms & Limitations Apply.
    • Enjoy complimentary Gold Status with your Hilton Honors Business Card.
    • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
    • Earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
    • Terms apply.

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    If you’re a small-business owner (even if you don’t own a full-time business — freelance and side-gig work can qualify you, too), the new offer on the The Hilton Honors American Express Business Card is worth a look.

    You can earn 130,000 points after you spend $3,000 on purchases in the first 3 months of Card Membership. Plus, earn up to $100 in Statement Credits on eligible purchases made on the Card at any of the Hilton family of hotels in the first 12 months of Card Membership (offer ends 8/25/2021).

    Read more: Hilton Honors American Express Business card review

    The card earns 12x points at Hilton hotels and 6x points on a wide variety of eligible purchases: U.S. gas stations, wireless telephone services purchases directly from U.S. service providers, U.S. purchases for shipping, U.S. restaurants, flights booked directly with airlines or with Amex Travel, and car rentals booked directly from select car rental companies. All other eligible purchases earn 3 points per dollar.

    Like the Surpass, the The Hilton Honors American Express Business Card comes with a free weekend night if you spend $15,000 on the card in a calendar year. Cardholders are eligible for a second free weekend night if they spend a total of $60,000 on the card in a calendar year.

    Regular APR

    15.99% – 22.99% Variable

    Credit Score

    Good to Excellent

    Featured Reward

    3 Free Nights (valued up to 50,000 points each) after spending $3,000 in the first 3 months, plus 10x total points per $1 spent on up to $2,500 in combined purchases in select categories within your first 6 months

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  • Pros & Cons
  • Details

  • Pros
    • Annual free night reward for hotels that cost up to 35,000 points can be worth more than annual fee
    Cons
    • The only lucrative bonus category is participating Marriott Bonvoy hotels
    • Upgrading to Gold status requires spending $35,000 on the card in an account year,
    • Earn 3 Free Nights (each night valued up to 50,000 points) after qualifying purchases + 10X total points on eligible purchases in select categories.
    • 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
    • Earn up to 17X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy™.
    • 2X Bonvoy points for every $1 spent on all other purchases.
    • Automatic Silver Elite Status each account anniversary year. Path to Gold Status when you spend $35,000 on purchases each account year.
    • 15 Elite Night Credits each calendar year.
    • No Foreign Transaction Fees.
    • Earn unlimited Marriott Bonvoy points and get Free Night Stays faster.

    Read Our Review
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    The Marriott Bonvoy Boundless™ Credit Card is offering an elevated welcome bonus of 3 Free Nights (valued up to 50,000 points each) after spending $3,000 in the first 3 months, plus 10x total points per $1 spent on up to $2,500 in combined purchases in select categories within your first 6 months.

    Cardholders earn up to 17 points per dollar at Marriott Bonvoy hotels (6x points from the card, up to 10x points from being a Marriott Bonvoy member, and 1x point from the Silver status that comes with the card), and 2 points per dollar on all other purchases. 

    Read more: Marriott Bonvoy Boundless credit card review

    The $95 annual fee is more than worth it if you can make the most of the card’s annual free night benefit. Each year on your card anniversary, you’ll receive a free night certificate — valid at Marriott hotels that cost 35,000 points or less — and if you redeem it at higher-category hotels, you can get a value that far exceeds the annual cost to keep the card.

    Cardholders also get automatic Marriott Silver status, travel protections including baggage delay insurance, lost luggage reimbursement, and trip delay reimbursement, and purchase protection.

     

    Regular APR

    15.99%–22.99% variable APR

    Credit Score

    Good to Excellent

    Featured Reward

    80,000 points after you spend $5,000 on purchases within the first 3 months of account opening

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  • Pros & Cons
  • Details

  • Pros
    • 3x bonus points on Southwest purchases
    • Valuable Southwest perks including four upgraded boardings per year, in-flight Wi-Fi credits, and 9,000 points each year on your anniversary
    Cons
    • $199 annual fee is on the high side
    • Earn 80,000 points after you spend $5,000 on purchases in the first 3 months.
    • 9,000 bonus points after your Cardmember anniversary.
    • 3 points per $1 spent on Southwest Airlines® purchases.
    • 2 points per $1 spent on social media and search engine advertising, Internet, cable, and phone services and 1 point per $1 spent on all other purchases.
    • 4 Upgraded Boardings per year when available.
    • Inflight WiFi Credits.
    • Global Entry or TSA Pre✓® Fee Credit.
    • Employee cards at no additional cost, earn points on employee spending.

    Read Our Review
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    The Southwest Rapid Rewards® Performance Business Credit Card is offering 80,000 points after you spend $5,000 on purchases within the first 3 months of account opening.

    Read more: Southwest Rapid Rewards Performance Business credit card review

    The Southwest Rapid Rewards® Performance Business Credit Card also offers an application fee credit of up to $100 for Global Entry or TSA PreCheck, plus four upgraded boardings on Southwest per year and inflight Wi-Fi credits. 

    Annual Fee

    $89 (waived the first year)

    Regular APR

    15.99% – 22.99% Variable

    Credit Score

    Good to Excellent

    Featured Reward

    150,000 bonus points after spending $3,000 on purchases within the first three months of account opening

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  • Pros & Cons
  • Details

  • Pros
    • Anniversary reward night can be worth more than the annual fee
    Cons
    • Could offer better rewards on non-IHG purchases
    • Earn 150,000 bonus points after spending $3,000 on purchases within the first three months of account opening
    • Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for any stay of 4 or more nights
    • Earn up to 25 points total per $1 spent when you stay at an IHG hotel
    • Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants. Earn 1 point per $1 spent on all other purchases
    • Platinum Elite status as long as you remain a Premier card member
    • Global Entry or TSA Pre✓® Fee Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
    • IHG Rewards Club Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®

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    The IHG® Rewards Club Premier Credit Card comes with a welcome bonus of 150,000 bonus points after spending $3,000 on purchases within the first three months of account opening, which is enough for up to 15 award nights at the lowest-priced IHG hotels (redemptions start at 10,000 points per night).

    Read more: IHG Rewards Club Premier credit card review

    The IHG® Rewards Club Premier Credit Card comes with an $89 (waived the first year) annual fee, but each year cardholders receive an anniversary award night valid at IHG hotels that cost up to 40,000 points. It’s easy to get a value that more than exceeds the annual fee from this perk alone.

    Regular APR

    15.99% – 22.99% Variable

    Credit Score

    Good to Excellent

    Featured Reward

    100,000 Avios after you spend $5,000 on purchases within the first 3 months from account opening

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  • Pros & Cons
  • Details

  • Pros
    • 3 Avios per dollar on British Airways purchases is a generous earning rate
    • You can receive up to $600 in statement credits per year when you book an award flight to London and pay the taxes and fees with this card
    Cons
    • Not the most rewarding card for non-British Airways purchases
    • Earn 100,000 Avios after you spend $5,000 on purchases within the first 3 months from account opening.
    • Earn 5 Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and LEVEL within your first 12 months from account opening, thereafter earn 3 Avios.
    • Earn 3 Avios per $1 spent on hotel accommodations when purchased directly with the hotel within your first 12 months from account opening, thereafter earn 2 Avios. Plus earn 1 Avios per $1 spent on all other purchases.
    • 10% off British Airways flights starting in the US when you book through the website provided in your welcome materials.
    • Every calendar year you make $30,000 in purchases on your British Airways Visa card, you’ll earn a Travel Together Ticket good for two years.
    • Pay no foreign transaction fees when you travel abroad.
    • Simply tap to pay with your contactless British Airways Visa Signature Card. Just look for the contactless symbol at checkout. It’s fast, easy and secure!

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    All of Chase’s Avios-earning cards are currently offering the same elevated welcome bonus: 100,000 Avios after you spend $5,000 on purchases within the first 3 months from account opening. New cardholders can also earn 5x Avios on flight purchases with British Airways, Aer Lingus, Iberia, and LEVEL, and 3x Avios on accommodations booked directly with hotels (after the first year, you’ll earn 3x and 2x in these categories, respectively). The cards earn 1x Avios on all other purchases.

    The British Airways Visa Signature® Card is ideal if you like to collect British Airways Avios points — and they’re not just good for flights to Europe.

    Read more: The best credit card rewards sweet spots that get you the most from your hard-earned points and miles

    British Airways is a Oneworld alliance member, which means you can redeem Avios from its program for flights on partner airlines, including American Airlines. Because British Airways has a distance-based award chart, shorter flights cost fewer Avios — for example, you’ll spend just 13,000 Avios each way in economy class for flights from the US West Coast to Hawaii on American or Alaska Airlines.

    In addition, if you spend $30,000 or more on your British Airways Visa Signature® Card in a calendar year, you’ll receive a Travel Together Ticket, which gets you a second seat for a companion when you book a British Airways award flight originating in and returning to the US. You won’t have to pay any additional Avios for your companion, but you’ll be responsible for any taxes and fees (which can be quite hefty).

    Regular APR

    15.99% – 22.99% Variable

    Credit Score

    Good to Excellent

    Featured Reward

    100,000 Avios after you spend $5,000 on purchases within the first 3 months from account opening

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  • Pros & Cons
  • Details

  • Pros
    • Substantial welcome bonus and generous earning rate on Iberia, British Airways, Aer Lingus, and LEVEL purchases
    • Opportunity to earn a $1,000 Iberia flight discount voucher each calendar year
    Cons
    • Discount voucher requires $30,000 in spending in a calendar year
    • Earn 100,000 Avios after you spend $5,000 on purchases within the first 3 months from account opening.
    • Earn 5 Avios per $1 spent on purchases with Iberia, British Airways, Aer Lingus, and LEVEL within your first 12 months from account opening, thereafter earn 3 Avios.
    • Earn 3 Avios per $1 spent on hotel accommodations when purchased directly with the hotel within your first 12 months from account opening, thereafter earn 2 Avios. Plus earn 1 Avios per $1 spent on all other purchases.
    • Save 10% on Iberia flights purchased on iberia.com/Chase10
    • Earn a discount voucher of $1,000 to use toward two tickets on the same flight for each year you make purchases of $30,000 on your card
    • Pay no foreign transaction fees when you travel abroad.
    • Simply tap to pay with your contactless Iberia Visa Signature Card. Just look for the contactless symbol at checkout. It’s fast, easy and secure!

    The Iberia Visa Signature® Card is also offering 100,000 Avios after you spend $5,000 on purchases within the first 3 months from account opening and the same spending bonuses as the British Airways version.

    Instead of a Travel Together Ticket, Iberia Visa Signature® Card cardholders will receive a $1,000 discount voucher when they spend $30,000 or more in a calendar year. It’s valid for use on the purchase of two paid tickets on the same itinerary, and you must book your tickets through Chase’s Iberia site to get the discount.

    Read more: I used credit card points to fly round-trip from the US to Spain in business class for only $232, thanks to an under-the-radar strategy

    Iberia also uses a distance-based award chart and is a Oneworld member, so you can redeem Avios for partner flights, just with slightly different rules and pricing.

    Regular APR

    15.99% – 22.99% Variable

    Credit Score

    Good to Excellent

    Featured Reward

    100,000 Avios after you spend $5,000 on purchases within the first 3 months from account opening

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  • Pros & Cons
  • Details

  • Pros
    • Substantial welcome bonus and generous earning rate on Aer Lingus, British Airways, Iberia, and LEVEL purchases
    • Opportunity to earn a companion ticket each calendar year
    Cons
    • Companion ticket requires $30,000 in spending in a calendar year
    • Earn 100,000 Avios after you spend $5,000 on purchases within the first 3 months from account opening.
    • Earn 5 Avios per $1 spent on purchases with Aer Lingus, British Airways, Iberia, and LEVEL within your first 12 months from account opening, thereafter earn 3 Avios.
    • Earn 3 Avios per $1 spent on hotel accommodations when purchased directly with the hotel within your first 12 months from account opening, thereafter earn 2 Avios. Plus earn 1 Avios per $1 spent on all other purchases.
    • Every calendar year you make purchases of $30,000 on your Aer Lingus Visa Signature Card, you’ll receive a Commercial Companion Ticket good for 12 months
    • You and any authorized users on your account are eligible for Priority Boarding on Aer Lingus flights departing from and returning to the US from Ireland.
    • Pay no foreign transaction fees when you travel abroad.
    • Simply tap to pay with your contactless Aer Lingus Visa Signature Card. Just look for the contactless symbol at checkout. It’s fast, easy and secure!

    Like the British Airways and Iberia versions, the Aer Lingus Visa Signature® Card is offering 100,000 Avios after you spend $5,000 on purchases within the first 3 months from account opening.

    Aer Lingus Avios aren’t quite as flexible as those attached to a British Airways or Iberia account, because the airline isn’t a Oneworld member so doesn’t have the range of partners available to book. That said, it’s easy to transfer Avios between your British Airways, Iberia, and Aer Lingus accounts, so you can move your points to the program that best suits your needs whenever you’re ready to book an award flight.

    Read more: 10 airline credit cards that offer companion deals so you can bring along a friend for only taxes and fees

    You’ll receive a Companion Ticket after you spend $30,000 or more in a calendar year, but this one is a little different from the British Airways version. It’s only valid between the US and Ireland, on round-trip award flights originating in and returning to the US. However, your companion will fly completely free — there are no taxes, fees, or surcharges added to the second ticket — so this could represent a much better deal than the British Airways Travel Together Ticket.

    Why earn credit card rewards in the middle of a pandemic?

    With travel still challenging due to the pandemic, now may seem like an odd time to open a travel rewards credit card, but earning a welcome bonus now can put you in a great position to use points and miles for your next vacation, whenever that may be. 

    Plus, in addition to allowing extra time to earn a welcome bonus, issuers like American Express and Chase are offering additional benefits tailored to life in quarantine, including new bonus categories for earning rewards and the option to use Chase points through Pay Yourself Back. 

    Before you apply for a new credit card, make sure you understand how credit card applications affect your credit score. Also make sure you treat your credit cards like debit cards, only spending what you can afford to pay back each month. If you carry a balance to earn rewards, you’ll be putting yourself in a bad financial position — and the interest fees you’ll rack up will easily outweigh any points or miles you earn.

    Frequently asked questions

    What is a sign-up bonus?

    A sign-up bonus, also known as a welcome bonus or intro offer, is a reward of points, miles, or cash back for new cardholders who meet designated requirements. Usually, these requirements involve meeting a minimum spending threshold within the first few months after you open your new credit card account.

    Do credit card sign-up bonuses change?

    Some credit cards almost always have the exact same sign-up bonus, while others change frequently. If you’re considering opening a new rewards credit card, do your research to see whether the card you want has previously offered a higher bonus. If it has, it could be worth waiting until that elevated offer returns, or you may even be able to find that higher offer through the credit card issuer’s website.

    What is the best credit card sign-up bonus?

    There isn’t one single best sign-up bonus, because even if one card offers more points, not all points and miles are valued equally. There are also different types of credit card rewards: points, miles, and cash back, so the best sign-up bonus for you depends on the rewards you value most.

    How can I use a credit card sign-up bonus?

    There are typically several options for using a credit card sign-up bonus.

    Read more: 5 credit card offers to take advantage of right now if you want to take a big trip when the pandemic ends

    If you earn a cash-back sign-up bonus, you could be able to use it toward a statement credit to reduce your credit card bill, or you could receive the money in check form. With a travel rewards card, you could use your points or miles to book an award trip, or cash them out for gift cards, money back, or merchandise.

    The exact options depend on the credit card you have and its specific rewards program, but the bottom line is that there are several possibilities for using your sign-up bonus.

    Is a credit card without a sign-up bonus still worth it?

    The short answer is yes. A credit card sign-up bonus can be a great incentive to apply, especially if you’re looking at a card that has an annual fee, but not every good credit card offers an intro bonus. For example, the Citi® Double Cash Card is one of our favorite cash-back credit cards, but it doesn’t offer a sign-up bonus. It could be worth forgoing an intro bonus if that card’s 2% cash back (1% back when you make a purchase, and another 1% back when you pay your bill) appeals to you.



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