Best Hotel Credit Cards for Points & Free Nights

INSIDER SECRET: It may sound counterintuitive, but a co-branded hotel credit card may not be your best bet when it comes to getting free stays.
Best Hotel Credit Cards 2019

Capital One® Venture® Rewards Credit Card: Best credit card for easy-to-redeem rewards
Marriott Bonvoy Brilliant American Express® Card: Best premium credit card for Marriott hotel stays
Hilton Honors Aspire Card from American Express : Best credit card for top-tier hotel elite status
Hilton Honors American Express Surpass® Card: Best credit card for mid-tier hotel elite status
The World of Hyatt Credit Card: Best credit card for a balance of hotel value and comfort
Marriott Bonvoy Bold Credit Card: Best hotel credit card with no annual fee

There are two big expenses when you travel: airfare and hotels. Fortunately, both are laughably easy to get for free.
The glamorous hotel stay is often the more costly item. Many of the best credit cards for travel come with welcome bonuses and ongoing benefits that can unlock free nights in five-star resorts (or regular ol’ hotels, if that’s your choice). But which card is right for you?
It depends mostly on your travel goals. I’ll tell you everything you need to know about the best hotel credit card offers, so you can open the one that will fulfill your travel dreams.
Many of the best hotel credit cards give you amazing hotel experiences, like a free stay at the all-inclusive Hyatt Zilara in Cancun. (Photo by Joseph Hostetler/Million Mile Secrets)
How to Choose the Best Hotel Credit Card
To have a cheap (or free) hotel stay, be willing to look past “hotel” credit cards. Instead, choose a flexible rewards card for general travel, which can be used for other things like airlines and car rentals, too. Just because your favorite hotel chain is Hyatt doesn’t mean the Hyatt card is your best bet.
You should absolutely use one of the best hotel credit cards to earn the most points for your booking, and start by navigating through an online shopping portal.
Check a shopping portal like CashBackMonitor or Evreward to see which portals are offering the most cash back, bank points, or airline miles for a particular hotel chain or brand. Once you click through the shopping portal, you’ll be redirected to the hotel website to complete your reservation. You’ll still be booking directly with the hotel to earn points and stay credits, and your elite status perks will be honored.
Here’s a quick breakdown of each card’s bonus offer, best perk, and annual fee.

Credit Card Intro Bonus OfferBest PerkAnnual Fee

Capital One® Venture® Rewards Credit Card
50,000 bonus miles after you spend $3,000 on purchases within the first 3 months from account openingUnlimited 2X miles on all purchases$95, waived the first year

Marriott Bonvoy Brilliant™ American Express® Card
Earn 75,000 bonus Marriott Bonvoy points after spending $3,000 in the first 3 months. Terms Apply.Up to $300 annual statement credit for eligible purchases at participating Marriott Bonvoy hotels, including room rates! Terms Apply.$450 (see rates and fees)

Hilton Honors Aspire Card from American Express
150,000 Hilton points after spending $4,000 on purchases within the first 3 months of account opening. Terms Apply.Up to $250 Hilton resort credit each card-member year and up to $250 airline fee credit with your selected airline each calendar year. Terms Apply.$450 (see rates and fees)

Hilton Honors American Express Surpass® Card
130,000 Hilton points PLUS one weekend night after spending $4,000 on purchases within the first 3 months of account opening. Terms Apply.Complimentary Hilton Gold status and one weekend night after spending $15,000 on purchases each calendar year. Terms Apply.$95 (See Rates and Fees)

The World of Hyatt Credit Card
Up to 50,000 Hyatt points after meeting tiered minimum spending requirements.
One free night each anniversary year at a category 1 to 4 Hyatt hotel or resort.$95

Marriott Bonvoy Bold Credit Card
50,000 Marriott points after spending $2,000 on purchases in the first three months of account openingNo annual fee$0

Capital One Venture Card
Apply Here: Capital One® Venture® Rewards Credit Card
Read our review of the Capital One Venture

Card Bonus: The Capital One Venture card comes with 50,000 Venture miles (worth $500 in travel) after spending $3,000 on purchases within the first three months. What does that mean for you?
Capital One Venture miles are worth 1 cent each. You can use Capital One miles for nearly any travel purchase, including hotels, without having to worry about searching for available award nights. It might just be the simplest card for getting free travel, let alone hotel nights.
Card Benefits: When you spend with this card, you’ll earn 2 Venture miles per $1 you spend on all purchases. That’s effectively 2% back. You’ll also earn 10 Venture miles per $1 you spend on hotel stays booked and paid for through this Hotels.com link (through January 31, 2020).
To redeem your miles for travel, just buy travel like you normally would with your card. Then, you have 90 days to sign in to your online account, find the travel purchase and “erase” it with your miles.
The card also comes with Global Entry and TSA PreCheck, trusted-traveler programs designed to help folks spend less time (and experience fewer headaches) at security checkpoints. For example, with TSA PreCheck, you can pass through security without taking off your shoes, belt or light jacket. You also won’t need to remove your laptop and liquids from your bag.
When you pay for your Global Entry or TSA PreCheck application with the Capital One Venture, you’ll get a statement credit waiving the fee (between $85 and $100).
Some cards charge fees for swiping outside of the US. This card has no foreign transaction fees.
Annual Fee: The card’s $95 annual fee is waived the first year. With the great welcome bonus, it’s a definite no-brainer for the first year.
Our Take
This card is particularly good if you want to stay at a hotel that doesn’t have a loyalty program, like boutique hotels or a hotel off the beaten path.
During a trip to Mexico, my wife and I stayed at an amazing hotel called Beloved Playa Mujeres. The hotel doesn’t have a loyalty program or a co-branded credit card. But if you have the Capital One Venture, you can book into any hotel. Just buy your nights and erase the purchase with your Venture miles later.
You can use Capital One Venture miles for nearly any travel purchase, including hotels that don’t have a loyalty program, like the Beloved Playa Mujeres in Mexico. (Photo by Joseph Hostetler/Million Mile Secrets)
Note that the card’s return is effectively 2% back, which you can earn with some no-annual-fee cards. You can transfer your points to various airline partners for a better return, but otherwise you’ll have to decide if the card’s other benefits are worth the yearly fee.
Further Reading:

Capital One Rewards Review
Best Way to Use Capital One Miles
Capital One Transfer Partners
How to Use Capital One Miles

Marriott Bonvoy Brilliant Amex
Apply Here: Marriott Bonvoy Brilliant American Express® Card
Read our Marriott Bonvoy Brilliant Amex Review

Card Bonus: With the Marriott Bonvoy Brilliant American Express® Card, you can earn 75,000 Marriott points after meeting minimum spending requirements. That’s enough for multiple nights at family-friendly hotels like Springhill Suites, or for a splurge night at luxury brands like Ritz Carlton.
Card Benefits: When you spend with this card, you’ll receive:

6 Marriott points per $1 at Marriott hotels
3 Marriott points per $1 at US restaurants and flights booked directly with airlines
2 Marriott points per $1 on everything else

You can use the annual statement credit from Marriott Bonvoy Brilliant Amex to splurge on a meal at the Octave Rooftop Lounge & Bar at the Bangkok Marriott Hotel Sukhumvit. (Photo by Stephane Bidouze/Shutterstock)
The welcome offer isn’t the only reason to get the card. Cardholders also have access to a host of other perks that can save you money and make your travel easier. For instance, there is up to $300 in annual statement credit to use each card membership year at participating Marriott hotels (including room charges), an annual free night (at participating Marriott hotels worth up to 50,000 points) after you renew your card, and more.
Check out this guide for an in-depth look at the Marriott Bonvoy Brilliant Amex benefits.
Annual Fee: The card comes with a $450 annual fee (See Rates & Fees), but the card’s money-saving benefits can more than offset the annual fee. Meghan, a team member at Million Mile Secrets, has this card and already used her Marriott Bonvoy Brilliant Amex annual statement credit for a meal at the Ritz Carlton Bacara in Santa Barbara.
Our Take
If you stay at a Marriott hotel at least once a year, this card is worth it for the annual free night and up to $300 in annual statement credit. If you use the free night at an otherwise expensive hotel and add in the value you’ll get from the annual statement credit, the annual fee is well worth it.
You can redeem Marriott points for award stays at these hotel brands:

AC Hotels by Marriott
Aloft
Autograph Collection Hotels
Courtyard by Marriott
Delta
Design
EDITION
Element
Fairfield Inn & Suites by Marriott
Gaylord Hotels
JW Marriott
Le Meridien
Marriott Executive Apartments
Marriott Hotels
Marriott Vacation Club
Moxy Hotels
Protea Hotels
Renaissance Hotels
Residence Inn by Marriott
Ritz-Carlton
Ritz-Carlton Reserve
Sheraton
Springhill Suites by Marriott
St. Regis
The Luxury Collection
TownePlace Suites by Marriott
Tribute
Westin
W

Further Reading:

Marriott Bonvoy Review
Marriott Points Value
Best Way to Use Marriott Points
Marriott Award Chart

Hilton Honors American Express Aspire Card
Apply Here: Hilton Honors Aspire Card from American Express
Read our review of the Hilton Aspire

With the Hilton Honors Aspire Card from American Express, you’ll earn 150,000 Hilton points after spending $4,000 in purchases on the card within your first three months of card membership
That’s a lot of points.
You could use 150,000 points to stay three nights at The Morrison, a DoubleTree Hotel by Hilton in Dublin. (Photo by Joseph Hostetler/Million Mile Secrets)
Card Benefits: This card comes with one weekend night each year, which you can use at most Hilton hotels. And you’ll get an additional weekend night if you spend $60,000 on your card in a calendar year. So you could end up with a whole weekend at a five-star hotel in a prime destination, like the London Hilton on Park Lane, which costs $450+ per night.
The card also comes with:

14 Hilton points per $1 spent at a Hilton hotel or resort (highest earning rate of any Hilton card)
7 Hilton points per $1 of eligible purchases at US restaurants, flights booked directly with airlines or amextravel.com, and car rentals booked directly with select car rental companies
3 Hilton points for all other eligible purchases on your card

You’ll also receive automatic Hilton Diamond status, which is insane because it takes 30 stays or 60 nights to achieve. With Diamond Status, you’ll rack up Hilton points way faster and you’ll get upgrades and free breakfast.
The card comes with $250 in airline incidental credits and $250 in statement credits at participating Hilton resorts every year. If you max out those benefits alone, you’ll get a value $50 greater than the annual fee ($250 airline credit + $250 Hilton resort credit = $500 in credits minus the $450 annual fee).
You’ll get a $250 credit to use at Hilton resorts, like the Hilton Waikoloa Village on the island of Hawaii. (Photo by dirkr/Shutterstock)
I probably wouldn’t take full advantage of the incidental fee credit, which reimburses for things like checked baggage, seat upgrades, etc. But the other benefits of the card make it worth the fee, especially if you don’t have a card that grants you airport lounge access.
You can also get $100 in credits on qualifying charges (room rates and fees do not qualify) for every stay of two or more nights at a Waldorf Astoria or Conrad hotel. But you must book through the Amex Hilton Aspire card website to verify that you’re eligible for the credit.
You’ll get unlimited free Priority Pass lounge visits as long as you hold the card and no foreign transaction fees (See Rates & Fees).
As you can see, Hilton is showering Amex Hilton Aspire card members with credits, bonuses and benefits. If you frequently stay at Hilton hotels, this is an excellent card for you.
Annual Fee: The card has an annual fee of $450 (See Rates & Fees).
Our Take
I know big annual fees can be scary, but what’s even scarier is losing money because you neglected to crunch a few numbers. The Amex Hilton Aspire comes with a mountain of benefits that make it worth the extra cost. The weekend nights alone can easily make it worth paying the annual fee.
If you like staying with Hilton, this card is truly a no-brainer. The statement credits and top-tier elite status can transform your Hilton stays.
Further Reading:

Hilton Honors Review
Hilton Points Value
Hilton Status
Best Use of Hilton Points

Hilton Honors American Express Surpass® Card
Apply Here: Hilton Honors American Express Surpass® Card
Read our review of the Hilton Honors American Express Surpass® Card

Card Bonus: If you’re a Hilton fan, you need to take the Amex Hilton Surpass card seriously. You can earn 130,000 Hilton points plus one weekend night after you spend $4,000 in purchases with your new card within the first three months of opening your account. This offer ends on August 28, 2019.
These points aren’t as valuable as other hotel points because top-end Hilton hotels can cost 95,000 points per night.
That’s still a ton of points, though.
Card Benefits: The card also comes with:

12 Hilton points per $1 spent at a Hilton hotel or resort
6 Hilton points per $1 of eligible purchases at US restaurants, US supermarkets and US gas stations
3 Hilton points for all other eligible purchases on your card

You’ll receive complimentary Hilton Gold status, which comes with bonus points for hotel stays, room upgrades when available, free breakfast and lots more. Because the card has no foreign transaction fees (See Rates & Fees), it’s good to use for hotels abroad.
If you’re a big spender who likes staying with Hilton, this card is up your alley. You’ll earn one weekend night after spending $15,000 on purchases each calendar year. And if you spend $40,000 in a calendar year, you’ll earn Hilton Diamond status. That will help you rack up Hilton points way faster (100% bonus on base points), and the upgrades and free breakfasts will revolutionize your hotel experience.
Another unique feature of the card is that you get 10 free airport lounge visits each year once enrolled in complimentary Priority Pass Select membership.
Annual Fee: The card has a $95 annual fee (See Rates & Fees). Earning the weekend night each year easily justifies paying for the annual fee. You could use it at a super-fancy hotel that normally costs hundreds per night.
Our Take
I use them exclusively for very low-category hotels because that’s where I find the best value.
For example, the gorgeous Conrad Tokyo costs upward of $350 per night but you’ll have to pay 95,000 Hilton points for the same room. That means you’ll get a value of just ~0.37 cents per point ($350 per night/95,000 points)
But if you use your points on a lower-cost hotel, you’ll often get a better value. You can book six nights at the Hampton Inn Dayton/Dayton Mall, and hang out with me for a week. The hotel can sell for $200 per night, depending on the season. And it costs 20,000 points per night, giving you a value of 1 cent per point ($200 per night/20,000 points).
Hampton Inn hotels are usually grouped with the lower-end hotels, but a free stay is a free stay. (Photo by Felix Mizioznikov/Shutterstock)
If Hilton doesn’t make a frequent appearance within your travel goals, this is not a good card for you. Hilton hotels include:

Conrad
Canopy
Curio
DoubleTree
Embassy Suites
Hampton Inn
Hilton
Hilton Garden Inn
Hilton Grand Vacations
Home2 Suites
Homewood Suites
Tru
Waldorf Astoria

Further Reading:

Hilton Honors Review
Hilton Points Value
Hilton Status
Best Use of Hilton Points

The World of Hyatt Credit Card
Apply Here: The World of Hyatt Credit Card
Read our review of the Hyatt Credit Card

With The World of Hyatt Credit Card, you can earn up to 50,000 Hyatt points after meeting tiered spending requirements. You’ll earn:

25,000 bonus Hyatt points after you spend $3,000 on purchases in the first three months of opening your account
Another 25,000 bonus Hyatt points after you spend an additional $3,000 on purchases within the first six months of opening your account

That’s a great bonus, considering you can reserve astronomically expensive hotels, like the five-star Park Hyatt Paris Vendome, for 30,000 Hyatt points per night. Rooms at that hotel can go for $900+ per night.
Phenomenal colors from my balcony at the Hyatt Regency Waikiki. (Photo by Joseph Hostetler/Million Mile Secrets)
Card Benefits: With this card, you’ll earn:

9 Hyatt points per $1 spent at Hyatt – 4 bonus points per $1 when you use your card at Hyatt hotels and 5 base points per $1 you can earn as a World of Hyatt member
2 Hyatt points per $1 on restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
1 Hyatt point per $1 on everything else

You’ll also get an additional free night at a Category 1 to 4 Hyatt hotel or resort after spending $15,000 in an anniversary year.
This card comes with automatic Hyatt Discoverist status, which gives you more bonus points per stay, upgrades to a preferred room based on availability at check-in, late checkout upon request and more. Plus, you’ll be able to climb the elite status ladder quickly because you’ll receive five-qualifying-night credits every year and two-qualifying-night credits after every $5,000 you spend on the card.
This card has no foreign transaction fees.
Hyatt hotels include:

Andaz
Grand Hyatt
Hyatt
Hyatt Centric
Hyatt House
Hyatt Place
Hyatt Regency
Hyatt Residence Club
Hyatt Zilara and Hyatt Ziva
Miraval
Park Hyatt
… and more

Annual Fee: This card has a $95 annual fee, which is not waived the first year. But the free night each anniversary year at a Category 1 to 4 Hyatt hotel or resort can easily offset that price. Million Mile Secrets team member Scott has held onto his Hyatt card for years because of this annual free night.
Our Take
Hyatt is a Million Mile Secrets favorite. They have great hotels with a balance of value and comfort.
A unique perk of using Hyatt points is that you don’t have to worry about blackout dates. If Hyatt is selling a standard-level room, you can reserve it with points. There are some quirks and exceptions at certain hotels where you’ll inexplicably have difficulty finding available rooms (Andaz Maui). But I’ve found this benefit to be extremely valuable.
I spent a night at the Hyatt House Charleston Historic District during the Great American Eclipse. The hotel was packed, and rooms were selling for $500+ per night. I was able to reserve a room for just 12,000 Hyatt points. That’s a value of ~4.1 cents per point ($500 per night/12,000 Hyatt points).
Because this is a Category 3 hotel, you can use the annual free night that comes with The World of Hyatt Credit Card. That offsets the annual fee many times over.
Note: If you see a base hotel room available on the Hyatt website, but it’s not showing any available reward nights, you can call Hyatt and they’ll book the room for you.
Further Reading:

Hyatt Points Review
Hyatt Points Value
Best Use of Hyatt Points
Hyatt Award Chart

Marriott Bonvoy Bold Credit Card
Apply Here: Marriott Bonvoy Bold Credit Card
Read our review of the Chase Marriott Bonvoy Bold

Card Bonus: This brand new card comes with a welcome bonus of 50,000 Marriott points after spending $2,000 on purchases in the first three months of account opening.
That’s enough for six or more nights at a Category 1 hotel like TownePlace Suites Chicago Elgin/West Dundee, or a splurge on a night at a Category 6 resort like the Westin Maui Resort & Spa, Ka’anapali. And you can keep the card forever (and potentially boost your credit score) because it has no annual fee.
Card Benefits: When spending with this card, you’ll earn:

3 Marriott points per dollar spent at participating Marriott hotels
2 Marriott points per dollar spent on travel
1 Marriott points per dollar spent on all other purchases
15 elite night credits each calendar year (which qualifies you for Silver Marriott Bonvoy elite status)

Redeem points from the Marriott Bonvoy Bold card at family-friendly hotels like Residence Inn. (Photo courtesy of Marriott)
Annual Fee: If you like collecting Marriott Bonvoy points but prefer a card with no annual fee, the Marriott Bonvoy Bold card is the card for you. It’s got no annual fee, so there’s no risk whatsoever.
Our Take
It’s good that Marriott is giving us more credit card options. More options means more ways to earn points.
This is certainly a bare-bones card, though. In exchange for no annual fee, you won’t get any fancy perks that you’ll find on other Marriott cards, like annual free nights, statement credits and the like. Do the math to see if it’s actually worth paying an annual fee. If not, the Marriott Bonvoy Bold Credit Card is no slouch.

Further Reading:

Marriott Bonvoy Review
Marriott Points Value
Best Way to Use Marriott Points
Marriott Award Chart

Bottom Line
There are plenty of options when it comes to hotel cards.
If you don’t like the hassle of juggling different hotel points or searching for available reward nights, you might prefer the Capital One Venture, which you can use to get free nights because you can use them for any hotel stay. You don’t have to stick with the chain hotels that have loyalty programs.
If you’re looking for a high-end experience, consider the Marriott Bonvoy Brilliant Amex or Amex Hilton Aspire Card. Both come with premium perks like complimentary elite status and hundreds of dollars in statement credits at participating hotels. The $300 in Marriott Bonvoy Brilliant Amex credits that team member Meghan gets with her Marriott Bonvoy Brilliant Amex makes it one of her favorite hotel credit card perks because it’s so easy to use.
For those who prefer a card with no annual fee, the Marriott Bonvoy Bold card is a solid choice.
Let us know your favorite hotel card in the comments. And tell me if your preferred card isn’t on the list, so we can squabble about who’s right.
For more information regarding hotel loyalty programs and how to save on hotel stays, check out these guides:

Marriott Bonvoy Review
Hilton Honors Review
Why Flexible Rewards Are Great for Family Hotel Stays
11 Insider Tips: Here’s How to Save Money on Hotels

For rates and fees of the Hilton Aspire Card, click here.
For the rates and fees of the Marriott Bonvoy Brilliant American Express® Card, please click here.
For the latest tips and tricks on traveling big without spending a fortune, please subscribe to the Million Mile Secrets daily email newsletter.

September 2018: The 10 Best Travel Credit Card Offers

Check out our carefully researched list of the best credit cards for travel and cash back.  With the best credit card offers right now you can earn $1,000s worth of luxury travel or flights!  Or if you prefer cash back, we found an offer worth $800!
I Used Points From My Chase Sapphire Preferred Credit Card to Fly Business Class to Europe and Explore Morskie Oko in the Tatra Mountains
Seeking the Best Credit Cards for Travel?
Here at Million Mile Secrets we constantly track down the best credit card rewards for you.  We reveal the real deals and toss away the junk.  And we’ll tell you which credit cards we use personally!  For instance, I love using 3 of the credit cards below.  I’ll tell you which!
Best Credit Card Offers

Best Business Credit Card:   Ink Business Preferred℠ Credit Card

Best Travel Credit Card:   Chase Sapphire Preferred® Card
Best Citi Travel Credit Card Bonus (Worth $750+):   Citi ThankYou® Premier Card

Best Southwest Airlines Bonus (Worth $900): Southwest Rapid Rewards® Premier Business Credit Card

Best Business Credit Card With No Annual Fee + 5% Categories:   Ink Business Cash℠ Credit Card
Best Business Credit Card With No Annual Fee + 1.5% Cash Back Everywhere:   Ink Business Unlimited℠ Credit Card
Best Credit Card for Simple Travel Rewards:   Capital One® Venture® Rewards Credit Card
Best Cash Back Credit Card for Restaurants & Entertainment:   Capital One® Savor® Cash Rewards Credit Card
Best American Airlines Business Card:   CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

Best Travel Credit Card for Premium Rewards:   Chase Sapphire Reserve®

How We Select the Best Credit Cards for Travel
You know how you get credit card offers in the mail and throw them away?  Not us!  We open them all, excitedly run to get our magnifying glass, and read the fine print!  And we spend all day looking for new credit card offers online.  Then we dive in to calculate the true value of the offer.
We let you in on the secrets that the airlines, hotels, and cruise ship companies do NOT want you to know! 
Credit card intro bonuses are the fastest way to earn big travel rewards WITHOUT spending a ton of money.  But here’s the thing — you have to know the smart ways to use these bonuses.  That’s how we help you.  We make it easy.
I Used Credit Card Travel Points to Stay at This Hotel in Europe!
We examine the…
Bonus Offer:   Credit card companies profit each time you use their card and when you pay them interest (so pay those bills on time!)  Like any business, they want more customers.  So they create offers where you can earn a serious stash of miles or cash when you first open your new card.  Some bonuses are VERY appealing — while others are not!  We sort it all out for you.
Minimum Spending Requirement:   Here’s the “catch.”  To earn the intro bonus, you must spend a certain amount using your new card within a certain time frame.  We like reasonable spending requirements that make it easy to get your bonus.  We do list cards with bigger requirements but ONLY if the reward is huge.
We love seeing how regular people like you get to travel First Class, stay in amazing hotels, or earn lots of cash using our insider tips.   For example, our reader Lori is an English teacher who took a $30,000+ trip to Asia for only $500.  Like me, she’s a big fan of the Chase Sapphire Preferred card.  And she took it on her epic adventure to Thailand, Vietnam, and Hong Kong.  (You can see all our Reader Success Stories here.)
Ongoing Bonus Opportunities:   We prefer travel credit cards that KEEP rewarding you, even after you earn the initial big welcome bonus.
Benefits:   Airport lounges with complimentary food and alcohol, no foreign transaction fees, and TSA PreCheck are some of my favorite perks that save money AND time.
Did You Know? With Just a Single Credit Card Intro Bonus Your Can Get Earn $1,000s Worth of Free (and Fancy!) Travel
Million Mile Secrets readers and team members make the most of the best credit card offers to get Big Travel with Small Money.  And redeem miles & points to travel cheaply to destinations like Disney World, Europe, Japan, New Zealand, and many others!
Want to see what it’s like when you master the Million Mile Secrets?  Here is a video of team member Keith:

Always wear your seat belt and always be responsible with credit!  If you’re new to rewards credit cards, be sure to read our post with myths associated with applying for new cards.  Many folks are pleasantly surprised to discover it’s possible to keep 20+ credit cards open AND maintain an excellent credit score!  This is my exact situation.  My score is still excellent because I always pay my bills on time.
And remember, you shouldn’t necessarily shy away from credit cards with annual fees.  Many of the best credit card offers have annual fees, but terrific ongoing perks (like annual travel credits!) that can easily offset the expense!  When I first started out, I really didn’t like the idea of an annual fee.  So I started out with no annual fee cards like Ink Business Cash.  But now I do the math to decide when a “premium” card is worth it.
Best Business Credit Card:   Chase Ink Business Preferred

Apply here:   Chase Ink Business Preferred
Or read our full review of the Chase Ink Business Preferred

 

The Official Offer:   Earn 80,000 Chase Ultimate Rewards points after you spend $5,000 on purchases in the first 3 months from account opening.
And that means?  This is a fantastic sign-up bonus and a big reason why the Chase Ink Business Preferred is our #1 pick!
Team member Keith used it to book a Business Class award flight to New Zealand worth more than $4,000!
If you like cash back, the 80,000-point bonus offer is $800.
And there is a useful option in between simple cash back and awesome award flights.  You can use your Chase Ultimate Rewards points in the Chase Travel Portal (it looks and works just like Expedia or Orbitz) to quickly book travel with no blackout dates.  Your Chase Ultimate Rewards points with the Chase Ink Business Preferred are worth 1.25 cents each instead of 1 cent each.  So the bonus brings you $1,000 worth of airfare, hotel stays, car rentals, and more.
Note:   I’ve found flights to cost the same as when I book on other travel sites.  Hotel stays are also usually very close in price.  For car rentals, shop around.  But the Chase portal does often have the best price too.
But tell me more about that $4,000 flight:   With the Chase Ink Business Preferred card you can send your Chase Ultimate Rewards points to travel partners.  For example, you can move your 80,000 Chase Ultimate Rewards points to become 80,000 United Airlines miles or 80,000 Hyatt hotel points.
So what does that all mean exactly?  Well… 60,000 United Airlines miles is enough for a one-way Business Class flight to Europe from the US.  60,000 United Airlines miles is also enough for a round-trip flight to Europe in economy class.  You’ll be earning Chase Ultimate Rewards points on all your spending.  So as you stack points, you get closer to your dream trip.
Medieval Dunluce Castle in Northern Ireland — Or as I Prefer to Call It, House Greyjoy From Game of Thrones! Experience Europe by Using Chase Points Instead of Cash to Fly There

Another cool thing is just because you move your points to United Airlines does NOT mean you have to fly on United Airlines!  United Airlines lets you use their miles to fly on their cousin airlines in the Star Alliance such as Air New Zealand, SWISS, Singapore Airlines, Thai Airways, and more!

Ongoing Earning Potential:

3X Chase Ultimate Rewards points for every $1 you spend on travel, shipping purchases, internet, cable and phone services, advertising purchases made with social media sites, and search engines (up to a maximum of $150,000 in combined purchases per account anniversary year)
1X Chase Ultimate Rewards points on all other purchases

Examples of what counts as “travel” and earns triple Chase points:
Toll bridges & highways
Parking lots & garages
Airlines (including tickets, baggage fees, change fees, etc.)
Hotels, Motels, Timeshares, Campgrounds
Vacation rentals like Airbnb
Car rental agencies
Cruise lines
Travel agencies
Discount travel sites like Travelocity and Expedia
Trains like Amtrak, subway, and metro tickets
Buses like city bus tickets, Greyhound, Megabus
Taxis, Limos, Ride-sharing services like Uber and Lyft
Ferries
Using Your Points:   You’ve got 3 great options.
1.   Transfer to Chase’s terrific travel partners like British Airways, United Airlines, Southwest, Hyatt, Marriott (which is connected to Starwood), Singapore Airlines, and more!
2.   Use your Chase Ultimate Rewards points in their travel portal.  This is quick and easy.
3.   Cash back.
Perks:
Cell Phone Protection:   You get up to $600 per claim in cell phone protection against covered theft or damage for you and your employees listed on your monthly cell phone bill when you pay it with your Chase Ink Business Preferred credit card.   There are a maximum of 3 claims in a 12 month period with a $100 deductible per claim.
The cell phone insurance perk actually works!  Team member Keith filed a claim online and received an $85 reimbursement after he paid to replace his shattered iPhone screen.

Extended Warranty:   When you buy items with your Chase Ink Business Preferred, they add 1 extra year when the warranty is 3 years or less.
Note:  The extended warranty protection is up to the amount charged to your card less shipping and handling fees, with a maximum of $10,000, and no more than $50,000 per calendar year.
Rental Car Insurance:   Cardholders are covered when you rent a car with your card and decline the car rental agency’s collision damage waiver.
Rental car insurance is primary when renting for business purposes in your country of residence or outside of the country.  Otherwise, this coverage is secondary.  You’d be shocked at what they try to charge you for a minor ding or scrape.  This built-in insurance can save you a lot of money and headaches.
Baggage Coverage:   If your baggage is delayed for more than 6 hours, you could be reimbursed for emergency purchases of essential items (i.e. clothing, toiletries, cell phone charging cables, and more)
You can get up to $100 per day for a maximum of 5 days.
Lost Luggage:   This benefit covers the cost to repair or replace lost luggage and personal items inside.  You can be reimbursed up to $3,000 per person each trip with a limit of $500 for items such as jewelry and electronics.
Trip Delay Protection:   If your trip is delayed for more than 12 hours, you could be reimbursed for up to $500 per ticket for reasonable expenses (meals, lodging, toiletries, medication, and other personal use items).
No Foreign Transaction Fee:  I refuse to use any credit card outside that US the hits you with an international fee.  The Chase Ink Business Preferred doesn’t do that to you.
Employee Cards at No Additional Cost:   By adding employee cards to your account, you can set individual employee spending limits for greater control and earn rewards faster.

Do you qualify?   This is a small business credit card but you might qualify without realizing it.  You can apply with your social security number as a sole proprietor of a for-profit business.  Check our step-by-step guide to completing a Chase business card application.
Note:   Chase will NOT approve you for their Ultimate Rewards points earning cards if you’ve opened 5 or more credit card accounts (from any bank) in the past 24 months (NOT counting Chase business cards and these other business cards).  So be sure to get the Chase credit cards you want before you’re over the limit.

Is the Chase Ink Business Preferred Worth the Annual Fee?   Yes.  It’s $95 for all the above.  It’s a no-brainer.
Chase Ink Business Preferred Bottom Line:   You can’t go wrong with this card.  It’s impossible.  In the absolute worst case, you earn the sign-up bonus and take home $800 minus the annual fee.  Best case, you are flying to your dream destinations and sleeping on 1,000-thread-count sheets at luxury hotels.
Apply here:   Chase Ink Business Preferred
Best Travel Credit Card:   Chase Sapphire Preferred Card

Apply here:   Chase Sapphire Preferred
Read our review of the Chase Sapphire Preferred

The Chase Sapphire Preferred is the #1 card we recommend for beginners in the miles & points hobby.  I’ve had this credit card for many years and I take it on all my trips.
The Official Offer:   When you sign-up, you’ll earn 50,000 Chase Ultimate Rewards points after spending $4,000 on purchases in the first 3 months of opening your account.
Yeah, and that means?
To get big-time travel, you want to book what’s known as an “award flight.”  You can transfer your Chase points to various airline partner loyalty programs at a 1:1 ratio.  One Chase point will convert to one partner airline mile.  For example:
You’ll have at least 54,000 Chase Ultimate Rewards points (because you earn points on the $4,000 minimum spend too).  Here are just a few of your many options:

60,000 United Airlines miles to fly round-trip to Europe
60,000 United Airlines miles to fly Business Class one-way to Europe or 70,000 miles to fly on their partner airlines (Whoa.  That would cost ~$4,000 if you paid cash!)  I just did this maneuver.  I had a stash of 140,000 Chase Ultimate Rewards points built-up from sign-up bonuses and regular spending.  And I moved them to United Airlines.  And that gave me access to United Airlines’ cousin airlines to fly Business Class round-trip to Europe.
35,000 United Airlines miles to fly round-trip to the Caribbean or Central America.  Meghan on our team did this to save $700+ on a fun last-minute trip to explore beautiful Belize!

Or you can redeem the sign-up bonus for $500 in cash back or $625 in travel when you book through the Chase Travel Portal.  You’ll get potentially much more value if you transfer points directly to airline and hotel partners, like Hyatt.
Hyatt Is One of Our Favorite Chase Transfer Partners Because You Can Redeem Points for Free Nights Even at Their Most Luxurious Hotels, Like the Hyatt Regency Maui Resort & Spa!

Ongoing Earning Potential:

2X Chase Ultimate Rewards points per $1 spent on travel and dining
1X Chase Ultimate Rewards points on all other purchases

I Count Points, Not Calories! With My Chase Sapphire Preferred, I Deliciously Earned Double Chase Points (and a Double Chin) for Eating Nutella French Toast
Examples of what counts as “travel” and earns 2X Chase points:
Toll bridges & highways (this is how folks in New York City earn millions of miles, ha!)
Parking lots & garages
Airlines (including tickets, baggage fees, change fees, etc.)
Hotels, Motels, Timeshares, Campgrounds
Vacation rentals like Airbnb (I’ve earned double points everywhere from Cancun to Krakow this way)
Car rental agencies
Cruise lines
Travel agencies
Discount travel sites like Travelocity and Expedia
Trains like Amtrak, subway, and metro tickets
Buses like city bus tickets, Greyhound, Megabus
Taxis, Limos, Ride-sharing services like Uber and Lyft (double points to the airport!)
Ferries (random travel tip: Ferry from Helsinki to Tallinn in Estonia to experience their Old Town)
Using Your Points:   You’ve got 3 incredible options.
1.   Transfer to Chase’s terrific travel partners like British Airways, United Airlines, Southwest, Hyatt, Marriott (which is connected to Starwood), Singapore Airlines, and more!
2.   Use your Chase Ultimate Rewards points in their travel portal.  This is quick and easy.
3.   Cash back.
Options 2 and 3 are super simple and satisfying.
Option 1 takes a bit of learning but results in amazing experiences — the kind that give you a feeling of sticking it to “the man” and feeling superior over all your former friends who you are now too cool to associate with.
Chase Ultimate Rewards points transfer at a 1:1 ratio directly to the following airlines:

Singapore Airlines (This is how you fly to Australia in First Class in an actual bed)
Aer Lingus (Ireland!)
British Airways (This is the secret to cheap flights to Hawaii from the West Coast and cheap flights within Europe and Asia)
United Airlines (This is how I fly to Europe.  And I don’t fly on United Airlines, I use their partners)
Flying Blue (KLM & Air France)
Iberia
Southwest (No blackout dates + 2 free checked bags)
Virgin Atlantic
JetBlue (No blackout dates + the most legroom in coach)

And they transfer to these hotel programs:

Hyatt (the BEST use of your Chase Ultimate Rewards points for hotels.  This is how I stayed at the Hyatt Zilara all-inclusive on the beach for $0 per night instead of $500 per night.  I was very happy sipping margaritas while in the pool that overlooked the ocean)
Ritz-Carlton
Marriott
IHG (they have brands you know like InterContinental, Crowne Plaza, Staybridge Suites, and Holiday Inn)

Using My Chase Sapphire Preferred® Card, I Got a Free Business Class Flight to Europe This Summer!
Perks:
Primary car rental insurance: Covers damage due to theft or collision to your rental car, when you pay for the rental with your card.
Trip delay reimbursement: Get up to $500 back per ticket when your trip is delayed more than 12 hours or requires an overnight stay for expenses such as meals and lodging (because they may not reimburse you for your usual snack of Beluga caviar, stick to the store-brand caviar)
Extended Warranty Protection: Extends the time period of the US manufacturer’s warranty by an additional year, on eligible warranties of 3 years or less
Baggage Delay Insurance: Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days.  (So when the airline stinks, you don’t have to.)
When you’re approved, be sure to read the full details in the Guide to Benefits.
No foreign transaction fee:  Hooray!  That’s why I take my Chase Sapphire Preferred everywhere I travel.  It’s a Visa credit card so it’s accepted just about anyplace and there are no nonsense international fees.
On the Beaches of Mexico, I Had No Problemo (That’s Spanish) Using My Chase Sapphire Preferred to Earn 2X Points at Restaurants With No Foreign Transaction Fees
Is the Chase Sapphire Preferred Worth the Annual Fee:   The $95 annual fee is waived the first year, which means you can use the card for free for ~11 months.  Then, decide if you like the benefits enough to pay the annual fee.  I’ve paid this fee year after year, because for me, it’s totally worth it.  (If you do decide to cancel, it’s seriously hassle-free.)

Do you qualify for the Chase Sapphire Preferred ?  
Chase has the final say.  Here are guidelines:
You have the best chance of being approved when you have excellent credit.  Your score is likely high enough if it’s 750+.  I wouldn’t recommend applying if your score is below 725, although you never know.
There are other factors Chase will use to determine if they want to allow you to have this metal credit card.  They may consider your income, your banking relationship with them, etc.  Again, this is Chase’s card and they make the final determination on whether or not to let you have it.
That said, they created this card and bonus for a reason.  So don’t be shy!  When I was approved for my Chase Sapphire Preferred I had an 800 credit score (still do) and a middle class income.
Important:
If you’re in one of these 2 categories, you very likely will NOT be approved for the Chase Sapphire Preferred:
1. You have opened 5+ new credit cards from any bank within the past 24 months.  But wait, this does NOT count small business cards from American Express, Bank of America, Chase, Citi, and Wells Fargo.
2. You already have a Chase Sapphire Preferred OR a Chase Sapphire Reserve card.

Chase Sapphire Preferred Bottom Line:   This is our #1 pick for people who are beginners to travel credit cards and airline miles and points.  This was my first “premium” travel credit card and I still have it and use it to this day.
Apply here:   Chase Sapphire Preferred
Best Citi Travel Credit Card Bonus:   Citi ThankYou Premier Card

Apply here:  Citi ThankYou® Premier Card
Or read our full review of the Citi ThankYou® Premier Card

The Official Offer:  Earn 60,000 Citi ThankYou points after spending $4,000 on purchases within the first 3 months of account opening.  That’s the highest offer we’ve ever seen for this premium credit card!  I have this credit card.  I got it when the bonus offer was lower and it was a very good deal even then!
And 60,000 Citi points means what exactly?

With 50,000 Citi ThankYou Points, You Can Fly Internationally in a Business Class Bed on Delta, Be Served a High Quality Meal, and Wash It Down With a Nice Selection of Adult Beverages
You’ll get $750 worth of travel using your 60,000 Citi points on their travel booking site.  Or you can stretch the points to be worth even more by transferring your points to Citi’s partner airlines!
Here are just a few examples of fun travel you can do with 60,000 Citi ThankYou points:

Fly round-trip to Hawaii on United Airlines by transferring your Citi points to United’s partner, Singapore Airlines (we show you how to do these lucrative tricks!)
Fly one-way in Business Class to Europe or Japan by transferring 50,000 Citi points to Etihad
3 round-trip flights to London from Boston, New York, Newark, or Washington, DC, during off-peak season by transferring your Citi points to Virgin Atlantic
Fly one-way in super comfortable Delta One Business Class from Atlanta or Seattle to Tokyo by turning your 60,000 Citi points into Virgin Atlantic miles
Fly one-way in Delta One Business Class from Detroit to Paris by transferring 50,000 Citi points to Virgin Atlantic
3 round-trip flights between New York City and Vancouver on Cathay Pacific by moving your Citi points to Asia miles.  Or enjoy 1 round-trip flight in Cathay Pacific’s amazing Business Class on this route using just 50,000 of your Citi points

Team member Harlan has had success transferring his Citi ThankYou points to fly to Europe, fly his family to Hawaii, and more!
And Jasmin has flown with her kids from Vancouver to New York in Cathay Pacific Business Class and loved it!
Complimentary Wine and Wi-Fi Equals Airport Paradise!  Team Member Jasmin Flew Business Class Using Points.  She Took This Photo of the Cathay Pacific Lounge in Vancouver.  Remember, Not Only Do You Get the Business Class Seat/Bed, You Also Get Entrance to the Peaceful Business Class Airport Lounge With Food, Snacks, and Cocktails
If you don’t want to transfer your points, you can keep things dead simple instead… use your 60,000 Citi ThankYou points in the Citi ThankYou Travel Portal (it’s just like using Expedia and the prices almost always match).  You’ll get 25% off your flight! 
Because your points are worth 1.25 cents each there.  So your 60,000 points are worth $750.  If there’s a flight for sale, you can book it!  There are no blackout dates or other games like that.
I’ve used my Citi ThankYou points this way when I wanted a specific coach flight to Europe on a specific date.  It was super easy.

Ongoing Earning Potential:

3 Citi ThankYou points per $1 spent on travel including gas stations, airfare, hotels, car rental agencies, parking, tolls, and more
2 Citi ThankYou points per $1 spent at restaurants and on select entertainment like amusement parks, museums, sporting events, movies, and more
1 Citi ThankYou point per $1 spent on all other purchases

Here I Am With My Citi ThankYou Premier Earning Double Points on Double Drinks Until Seeing Double in Europe.  (Just Kidding.  I Almost Always Usually Drink Responsibly for the Most Part.)
Perks:
Price Protection:   They call it “Citi Price Rewind.”  What’s cool about it is when you pay for registered items at certain online merchants with your ThankYou Premier, Citi will automatically check for a lower price at other stores.  Harlan uses this perk a lot with Amazon.  You can save up to $1,000 per calendar year this way!  When you sign-up you can review the restrictions.  But it’s pretty easy and works well.
Extended Warranty:   By paying for an eligible item with the Citi ThankYou Premier card, you can extend the manufacturer’s warranty by an additional 24 months (total coverage between both the manufacturer’s warranty and extended warranty cannot exceed 84 months).  See the complete Guide to Benefits for all the details.  I can tell you that I always make expensive purchases with a credit card that has this feature.  That way I can turn down the rip-off extended warranty they offer at the store.
No Foreign Transaction Fee:  Use your Citi ThankYou Premier card anywhere in the world and never get hit with an “international fee.”  Avoid using credit cards that slap you with a 3% junk fee!
When you pay for travel with your Citi ThankYou Premier card you’ll get:
Baggage delay protection:  Get up to $100 per covered traveler if your bags are delayed 6+ hours
Trip delay protection:   Get up to $500 per covered traveler to pay for meals and hotels if your trip is delayed 12+ hours.  Nobody thinks about which credit card to use until their flight is delayed and you have to fly out the next day.  Be smart and let your credit card company reimburse your hotels and meals instead of having to beg airport staff for one of those ridiculously cheap $9 meal vouchers they give you.
Trip cancellation & interruption:   You may be reimbursed up to $5,000 per covered traveler per trip if the trip is cancelled or interrupted for an eligible reason.
Do you qualify for the ThankYou Premier?  Citi says, “Bonus ThankYou Points are not available if you have had a ThankYou Preferred, ThankYou Premier or Citi Prestige card opened or closed in the past 24 months.”  You likely need a credit score around 750 or higher.  But of course Citi has the final say!  I was approved with an 800 credit score and a middle class income.

Is the Citi ThankYou Premier Worth the Annual Fee?   Yes.  It’s only $95 for all the above.  Oh yeah, it’s $0 in year 1 with the card.  Use your points for $1,000+ worth of flights using our tips.  Or for $750 worth of flights the super easy way in their travel portal.
Citi ThankYou Premier Bottom Line:   I have this credit card.  It costs nothing to own for the first 12 months.  It’s got some great perks plus the bonus is worth between $750 and $1,000+ for travel depending how you use it.  That’s why it’s in our Top 10 list!
Apply here:   Citi ThankYou® Premier Card

Best Southwest Airlines Bonus: Southwest Rapid Rewards Premier Business Credit Card
Apply here:   Southwest Rapid Rewards® Premier Business Credit Card
Read our full review of the Chase Southwest Premier Business Card

The Official Offer:   Earn 60,000 Southwest points after spending $3,000 on purchases in the first 3 months of account opening.
This is the highest sign-up bonus we’ve seen on the card.
And 60,000 Southwest points means what exactly?
~$900!  Because in our experience booking flights, 1 Southwest point generally maps to ~1.5 cents.
Two amazing things about Southwest points:
1 – no blackout dates or funny business.  If the flight still has seats for sale, you can book it with points.
2 – We consider the Southwest Companion Pass to be the best deal in domestic travel.  Your designated travel companion flies free with you on all your Southwest flights.  These 60,000 points will get you over half-way to the 110,000 Southwest Companion Pass qualifying points you need to earn in one calendar year to get the Pass.
Whenever Team Member Keith Books a Flight on Southwest, His Wife Can Join Him for Free!  That’s Because He Earned the Companion Pass With Credit Card Points
Southwest has other great perks:

You get 2 free checked bags on every flight
You do NOT pay change or cancel fees on paid or award flights

Because Southwest Has No Blackout Dates, It’s Easy to Redeem Points for Flights to Destinations Like Los Cabos, Mexico!
Ongoing Earning Potential:

2 Southwest points per $1 on Southwest purchases and Rapid Rewards hotel and car rental partner purchases
1 Southwest point per $1 on everything else
6,000 Southwest points after your cardmember anniversary (Keith says that’s enough for him to fly from the Los Angeles area to Las Vegas, San Francisco, or Portland whenever Southwest has one of its frequent fare sales)

Lost Luggage Reimbursement: If you or your immediate family members’ checked or carry-on bags are damaged or lost, you’re covered up to $3,000 per passenger when you pay with the card.  Now that’s peace of mind.  Unless you think too hard about who’s wearing your pants now.
Extended Warranty Protection: Extends the time period of the US manufacturer’s warranty by an additional year, on eligible warranties of 3 years or less.  I love earning points for a purchase AND having the warranty extended.
Baggage Delay Insurance: Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours up to $100 a day for 3 days
Purchase Protection:  Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account
Free Cards for your employees:  You’ll earn points for purchases they make on the cards
No Foreign Transaction Fee:  Hooray!  So when you fly Southwest to the Caribbean, you can bring your card and use it with none of those tacky tack-on fees that some cards add.
Do you qualify for the Southwest Rapid Rewards Premier Business Credit Card?  Yes, if you have a for-profit business.  It can be a small business of just you!  You’d just mark down sole proprietor on the application and use your social security number.  Keith was approved this way for his eBay reselling business.

But if you’re in one of these next 2 categories… sadness… you’re not eligible:
1. You have opened 5+ new credit cards from any bank within the past 24 months.  But this does NOT count small business cards from American Express, Bank of America, Chase, Citi, and Wells Fargo.
2. You already have the Southwest Rapid Rewards Premier Business Credit Card OR have earned the sign-up bonus in the past 24 months.

Is the Southwest Premier Business Card Worth the Annual Fee?   Yes.  The $99 annual fee is more than fair for $900 worth of flights!  Plus you get all the perks listed above.  And the bonus points on your card anniversary can help to offset the annual fee.
Southwest Premier Business Card Bottom Line:   We recommend this credit card for anyone who would fly on Southwest.  And it’s an especially awesome card for those of you who travel with a partner because of the opportunity to earn the lucrative Companion Pass!
For a long time I resisted flying on Southwest because I thought it’d be a bad experience.  I was wrong!  I’ve flown Southwest to Cancun and a few times in the US so far and it’s all been pleasant.

Apply here:   Southwest Rapid Rewards® Premier Business Credit Card
Best Business Credit Card With No Annual Fee + 5% Categories: Ink Business Cash℠ Credit Card
Apply here:   Ink Business Cash℠ Credit Card
Read our review:   Biggest No-Brainer Deal of the Year: $500 Cash Back (50,000 Chase Ultimate Rewards Points!)
 

With the highest-ever Ink Business Cash sign-up bonus, you’ll earn $500 cash back (50,000 Chase Ultimate Rewards points!) after spending $3,000 on purchases in the first 3 months of account opening.  Earning $500 in cash from a card with no annual fee is an AWESOME deal!
It also comes with:

5% cash back (5X Chase Ultimate Rewards points) on the first $25,000 spent in combined purchases at office supply stores and on phone, internet, and cable TV services each account anniversary year
2% cash back (2X Chase Ultimate Rewards points) on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
1% cash back (1X Chase Ultimate Rewards point) on all other purchases
Primary car rental insurance (CDW) when renting for business purposes, covering damage due to collision or theft to your rental car when you pay with your Chase Ink Business Cash card. Secondary coverage when renting for personal reasons

Million Mile Secrets team member Keith has kept this card in his wallet because it has no annual fee.  He uses it to earn 5% cash back (5X points) at Staples when shopping for his eBay drop shipping business.
And I’ve kept my Ink Business Cash card for many years because I earn 5X points on my monthly internet bill and 2X points at restaurants.  Liquid Hint:   Many times your business cocktails and networking wine earn 2X points too!  Because bars and lounges often code as restaurants to the credit card company.
Using Your Points:  If you ONLY have the Chase Ink Business Cash credit card, you’ve got one option: cash.  However, if you ALSO have the Chase Ink Business Preferred (yes, you can own both cards) OR the Chase Sapphire Preferred OR the Chase Sapphire Reserve you now have travel superpowers.
Because you can lift all the points you earn with your Ink Cash above your head, create a impressive fiery orb, and hurl them over to one of those “premium” cards.  And from there you have access to all the travel partners I talked about in the Chase Ink Business Preferred section!
I Took This Photo of the Infinity Pool While Staying at the All-Inclusive Hyatt Zilara in Cancun. Not Bad! I Paid $0 for the Stay Because I Moved the Points I Earned With My Chase Ink Cash to My Chase Sapphire Preferred. And From There I Transferred Them to Hyatt to Get My Free Stay
Perks:   Primary rental car insurance (when renting for business purposes), extended warranty, delayed baggage, and lost luggage protection.
You can check all the details of the fantastic benefits when you get to the Ink Cash card offer page.  But I’ll give you a real-life example.  I walked into my local Staples ready to make a significant purchase.  Naturally I was prepared with my Ink Cash business credit card because with it I earn 5X points at office supply stores such as this.  I made my significant purchase.  And that’s when it happened.
The sales person pitched me about the, you guessed it, the dreaded extended warranty.
He said, “You fool!  You’re about to pay big bucks for your significant purchase yet you won’t pay this relatively tiny amount to protect your investment for an extra year?” 
I inhaled my Zen.  And exhaled, “Nah.  I’m good.” 
He dug in.  “How could you be so feckless… so irresponsible… have you no regard for society?!” 
But his pleas for extra cheese were for naught.  For I own, behold!… the Ink Business Cash credit card!  And it adds an extra year to the warranty.  Be gone, extended-warranty-pusher!
Is the Chase Ink Business Cash Worth the Annual Fee?  Yes.  Because there is no annual fee!  But this card DOES charge foreign transaction fees, which is why I use my Chase Sapphire Preferred when I travel abroad.
Chase Ink Business Cash Bottom Line:   I use this business credit card all the time.  It costs $0 to own.  Enjoy.
Apply here:   Ink Business Cash℠ Credit Card
Best Business Credit Card With No Annual Fee + 1.5% Cash Back Everywhere: Ink Business Unlimited℠ Credit Card
Apply here:   Ink Business Unlimited℠ Credit Card

The Intro Offer:   You will receive 50,000 bonus points which you can redeem for $500 cash back when you make purchases totaling $3,000+ during the first 3 months from account opening.
Ongoing Earning Potential:   You can earn an unlimited 1.5% Cash Back on every purchase.
Using Your Points:  What’s cool here is that this works the same way as the Ink Business Cash.  You can use your points for cash back OR, if you have a “premium” Ultimate Rewards card (AKA it has an annual fee) like Chase Sapphire Preferred, Chase Sapphire Reserve, or Chase Ink Business Preferred, you can then move your points to those premium cards for premium travel rewards.
Really, the Ink Business Unlimited is very similar to the Ink Business Cash.  It’s possible to have both cards.  But if you’re trying to decide, I think of these cards like this…
Do you prefer your love partner to be pretty good looking all the time, no matter the circumstance?  Then choose Ink Business Unlimited because you get 1.5X points on all your purchases without having to think about it.
Or do you prefer your romantic partner to look just OK most of the time but drop-dead gorgeous for special occasions… like when you walk into office supply stores.  And when you pay your phone and internet bill.  And your partner is doubly-attractive when you go out to restaurants and gas stations.  If that’s your pick, go with Ink Business Cash (the card listed above this one) instead.
Ink Business Unlimited Bottom Line:   You really can’t go wrong here.  No annual fee and you earn 1.5% cash back on all purchases AND you can earn a $500 sign-up bonus?  Easy pick.
Apply here:   Ink Business Unlimited℠ Credit Card
Best Credit Card for Simple Travel Rewards:  Capital One® Venture® Rewards Credit Card
Apply here:   Capital One® Venture® Rewards Credit Card
Read our full review of the Capital One Venture Card
 

You can earn 50,000 Venture miles (worth $500 in travel) by applying for the Capital One Venture card and spending $3,000 on purchases within the first 3 months.
The card has a straightforward rewards program, which means the miles are easy to redeem.  All you have to do is pay for travel expenses (like airfare, hotel stays, parking, and much more) with your credit card.  Then, log-in to your account and “erase” the charge by redeeming your miles.
The Capital One Venture is perhaps the best credit card for points that you can use for nearly ANYTHING travel related.  Check out this post with outside-the-box ways to redeem Venture miles, like Costco travel packages!
Prefer Airbnbs or Staying Off the Beaten Path? The Capital One Venture Makes Redeeming Rewards Easy!
In addition to the card’s valuable sign-up bonus, you’ll get:

2 Venture miles per $1 you spend on all purchases
Statement credit for Global Entry or TSA PreCheck
10 Venture miles per $1 you spend on hotel stays booked and paid for with your card through this Hotels.com link (through January 31, 2020)
NO foreign transaction fees

Cards that offer to reimburse Global Entry or TSA PreCheck application fees usually have much higher annual fees (often between $450 and $550).  But this card has a $95 annual fee, waived the first year!
The card also comes with Visa Signature Benefits, which include:

Rental car insurance – Secondary protection for damage due to collision or theft
Travel accident insurance – Up to $250,000 insurance for accidental loss of life, limb, sight, speech, or hearing
Lost luggage insurance – Up to $3,000 per trip, provided the luggage was lost from theft or misdirection by the airline, cruise, etc.

Apply here for the Capital One® Venture® Rewards Credit Card
Best Cash Back Credit Card for Restaurants & Entertainment
Apply here:   Capital One® Savor® Cash Rewards Credit Card
Or read our full analysis:   Capital One Savor Review

The Intro Offer:   $500 cash back after spending $3,000 on purchases within the first 3 months of account opening.  Nice.
Ongoing Earning Potential:   

4% cash back on dining (secret: oftentimes bars and nightclubs code as dining too!)
4% cash back on entertainment (concerts, tourist attractions, theme parks, and more!)
2% cash back at grocery stores

You’ll earn 1% cash back on all other purchases.
Best of all, there’s no limit on how much bonus cash back you can earn!
Using Your Points:   You can request a check or statement credit, any time, with no minimum redemption amount.  Or set-up an automatic redemption such as $25 back per month.
Capital One Savor Bottom Line:   I typically use my Chase Sapphire Preferred while traveling overseas.  But I’m very much considering adding the Savor card to my wallet.  Because it also has no foreign transaction fee AND rewards you with a fat and unlimited 4% cash back on dining out and entertainment.  Typically my biggest expenses overseas are restaurants/bars, tourist attractions, and groceries.  (Since I usually use points for flights and hotels.)  What I also love about Savor is you can try the card free the first 11 months.  Then if you feel like it’s really been saving you money, you only pay the $95 annual fee starting in year 2 with the card.  All that plus the $500 intro bonus makes this a strong offer.
Apply here:   Capital One® Savor® Cash Rewards Credit Card
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Best Business Credit Card for Simple Travel Rewards: Capital One® Spark® Miles for Business

Apply here:   Capital One® Spark® Miles for Business

Read our review of the Capital One Spark Miles Card

 

The Spark Offer:   You earn simple rewards with the Capital One Spark Miles.  When you sign-up, you’ll earn 50,000 Spark miles (worth $500 in travel) after spending $4,500 on purchases within the first 3 months.  And you’ll earn 2 miles per $1 on all purchases.

You can use to offset nearly any travel purchase you put on this business credit card.  It’s a very good deal!

Ongoing Earning Potential:   2X Spark miles per $1 you spend on all purchases.

These Spark miles are worth 1 cent each toward travel purchases.  Spark miles are NOT airline miles.  You basically get 2% back to offset travel purchases you make with this business credit card.

Using Your Points:   Use the card to pay for travel like you normally would.  Then log-in to your online account to “erase” the travel purchase with your miles.

Perks:

Purchase Security and Extended Protection:   They will replace, repair, or reimburse you for eligible items of personal property up to $10,000 per claim for 90 days from the date of purchase in the event of theft or damage.

And “Extended Protection” doubles the time period of the original manufacturer’s written US repair warranty up to 1 full year on warranties of 3 years or less when you purchase the item entirely with your Capital One Spark Miles Business card.

Auto Rental Collision Damage Waiver:  You receive primary coverage, at no additional cost, for damage due to collision or theft when you charge your entire rental transaction to your Spark Miles Business credit card and decline the rental company’s collision damage waiver.

This saves you money when you rent a car for business.

Lost Luggage Reimbursement:   Your checked or carry-on luggage is covered up to $3,000 if lost or stolen when you charge your entire common carrier ticket to your Spark Miles Visa Signature Business credit card.

No Foreign Transaction Fee:  This is how it should be!  Plus Visa is accepted almost everywhere.

Free Employee Cards:   Add employee cards at no additional cost, and earn all the rewards from their purchases.

Is the Capital One Spark Miles for Business Worth the Annual Fee?  It certainly is in your first year with the card.  Because you’re not charged the $95 annual fee until after your first year owning this business credit card.  At ~10 months with the card, I recommend you look over your spending habits to see if the card makes sense for you to keep.  Whenever I have to cancel a credit card (which is unusual for me) I’ve found it to be quick and hassle-free.

Capital One Spark Miles Bottom Line:   If you like Capital One and you like this business credit card, it’s definitely worth adding this ice cream flavor to your freezer.

Apply here:   Capital One® Spark® Miles for Business –>
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Best Cash Back Business Credit Card With 2% Everywhere: Capital One® Spark® Cash for Business

Apply here:   Capital One® Spark® Cash for Business

Read our review of the Capital One Spark Cash Card

The Capital One Spark Cash back credit card in one of our best rated credit cards because you’ll earn a $500 cash sign-up bonus after spending $4,500 on purchases within the first 3 months of account opening.  You’ll also earn unlimited 2% cash back on all purchases!

$500 Intro Bonus for Capital One Spark Cash! That’s Enough for Your New York City Shopping Spree! You Could Buy a Shirt

I like that there are no foreign transaction fees and that you can redeem your cash back for any amount.

Apply here:   Capital One® Spark® Cash for Business
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Best American Airlines Business Card: CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

Apply here:  CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®
Or read our full review of the CitiBusiness American Airlines Platinum Select Credit Card

The Official Offer:  Earn 70,000 American Airlines miles after you spend $4,000 on purchases in the first 4 months of opening your account.
And 70,000 American Airlines miles means what exactly?

The Long Flight to Asia Is SO Much Better When You Can Lay Down to Sleep in Cathay Pacific Business Class! (Book With American Airlines Miles)
With 70,000 American Airlines miles you can:

Fly round-trip to Europe, Hawaii, Asia, or South America
Fly one-way in Business Class to Japan or Korea
Get 2 round-trip flights to anywhere in the continental US

Fly one-way First Class from coast to coast in the US
Get 2 round-trip flights to the Caribbean, Central America, or Mexico

Those are just a few of the awesome options you’ll have with your 70,000 American Airlines miles!
Many of you will combine the credit card bonus with your current stash of American Airlines miles.  Or you’ll keep using the card to earn more miles.  So here’s an idea of what you can do when you collect more American Airlines miles:
Sleep Your Way to Australia on Qantas Airlines by Using American Airlines Miles to Fly in a Business Class Bed

Fly one-way in Business Class to Australia or New Zealand for 80,000 American Airlines miles on partner airline Qantas
Fly one-way in First Class to Japan for 80,000 American Airlines on partner Japan Airlines
Fly one-way in First Class to Europe for 85,000 American Airlines miles

I’ve got to say, I usually fly coach to save miles and take more trips, but… wow, life sure is better when you’re able to lay down and sleep on a long flight.  Plus you’re treated to much tastier food and liquor.
Ongoing Earning Potential:

2 American Airlines miles per $1 spent on American Airlines purchases
2 American Airlines miles per $1 spent at $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations
1 American Airlines mile per $1 spent on other purchases

Perks:
Free first checked bag:  You get a bag!  Your travel companion gets a bag!  Everyone gets a bag!  OK, not everyone.  But up to 4 travel companions get a free checked bag on the same reservation on domestic American Airlines flights.  That’s a huge money saver!
Preferred boarding on American Airlines flights:  Nice.
Discounted in-flight Wi-Fi:  Get 25% off when you purchase with your card.  Not amazing, but I’ll take it.

No Foreign Transaction Fee:  Excellent perk.
Extended Warranty:  This benefit doubles the original manufacturer warranty up to a maximum of 12 months on warranties of 5 years or less for most items you purchase with your eligible CitiBusiness®/AAdvantage® Mastercard.  So you can feel at ease when you turn down the store’s extra warranty coverage that they try to sell you.
Purchase Protection:  You’re covered for most items you purchase with your eligible CitiBusiness®/AAdvantage® Mastercard if the item is damaged or stolen within 90 days of the date of purchase.  This is a major reason I’ll NEVER make product purchases with a debit card.  Your credit card gets you miles and peace of mind.
Mastercard Easy Savings:  CitiBusiness® / AAdvantage® Platinum Select® cardmembers (that was a mouthful to say) are enrolled to receive automatic rebates on eligible purchases with Mastercard® Easy Savings.  OK, so I looked over these and some of the savings are pretty cool.  Currently (keep in mind these can change) you can save 4% at many hotels and restaurants.  Being a food lover, I took a closer look at the dining perk.  Here’s what it says:
“Just dine at a restaurant within the Dinova network and use your eligible Mastercard business credit card to pay for your meal as you normally would.  Nothing else is required.  The rebate will apply to the entire charge, including taxes and tips. The rebate will appear on your statement in the form of a credit.”
Woo-hoo!  I know what you’re thinking… Dinova network?  So I did a quick search of New York City as an example and a ton of restaurants popped up ranging from upscale steakhouses to chain restaurants.  So it’s easy to automatically knock 4% off your bill!

Is the CitiBusiness American Airlines Credit Card Worth the Annual Fee?   Yes.  You pay $0 your first 12 months with the card.  Then it’s $99 a year.  If you’re flying on American Airlines it’d be hard to NOT make up the annual fee in checked bag savings!  I really dislike baggage fees.  But at least there’s a way to wiggle out of them.
CitiBusiness American Airlines Card Bottom Line:   The 70,000 American Airlines bonus miles are worth ~$1,500 depending on how you them.  That’s an awesome intro bonus!  You’re going to save a lot of money on baggage fees.  You board early.  For folks who fly on American Airlines or want to fly on great partner airlines to Hawaii, Europe, Asia, and more, this is an excellent deal.
Apply here:   CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®
Best Travel Credit Card for Premium Rewards: Chase Sapphire Reserve®
Apply here:   Chase Sapphire Reserve
Read our review of the Chase Sapphire Reserve
 

The Chase Sapphire Reserve is the #1 premium travel credit card… premium because of the price tag but also because of the perks.
When you sign-up for the Chase Sapphire Reserve, you’ll earn 50,000 Chase Ultimate Rewards points after you spend $4,000 on purchases in the first 3 months from account opening.
The sign-up bonus can get you $750 worth of travel when you redeem points for flights, hotels, car rentals, and more through the Chase travel portal.  Because when you have the Chase Sapphire Reserve, your points are worth 1.5 cents each on travel booked through Chase!
And if you have other Chase Ultimate Rewards points earning cards, you can move points to your Sapphire Reserve account to increase the value of your points!
You Can Redeem Chase Ultimate Rewards Points for Travel Almost Anywhere in the World. Even the Far-Flung Islands of the Maldives!
With the Chase Sapphire Reserve, you’ll also get:

3X Chase Ultimate Rewards points per $1 on travel (excluding $300 travel credit) and dining
$300 statement credit for travel purchases (like airfare, Airbnb, hotels, car rental, Uber, etc.) each account anniversary year
Priority Pass Select for access to airport lounges
$100 statement credit for Global Entry
NO foreign transaction fees

The card comes with a $450 annual fee.  But you can offset this fee with perks like the $300 travel statement credit and airport lounge access.
Team member Keith says this is the #1 card he uses.  Because he loves to earn easy and valuable bonus points for dining out!
Bottom Line
Our favorite credit card offers for this month are:

Best Business Credit Card:   Ink Business Preferred℠ Credit Card

Best Travel Credit Card:   Chase Sapphire Preferred® Card
Best Citi Travel Credit Card Bonus (Worth $750+):  Citi ThankYou® Premier Card

Best Southwest Airlines Bonus (Worth $900): Southwest Rapid Rewards® Premier Business Credit Card

Best Business Credit Card With No Annual Fee + 5% Categories:   Ink Business Cash℠ Credit Card
Best Business Credit Card With No Annual Fee + 1.5% Cash Back Everywhere:   Ink Business Unlimited℠ Credit Card
Best Credit Card for Simple Travel Rewards:   Capital One® Venture® Rewards Credit Card
Best Cash Back Credit Card for Restaurants & Entertainment:   Capital One® Savor® Cash Rewards Credit Card
Best American Airlines Business Card:   CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®
Best Travel Credit Card for Premium Rewards:   Chase Sapphire Reserve®

Your turn to comment… let us know which credit card is best!