YBCC Your Best Credit Cards Available Here
#1 TOP OFFER: The 75K CAPITAL ONE Venture X card has a minimum spend of $4k in the first three months. If you like simplicity and looking for one (premium) card, I highly recommend this card (and yes, I have it myself!). It has an annual fee of $395 but it comes with an easy $300 statement credit for travel booked on its own travel portal, essentially turning it into a $95 annual fee card. But wait, there is more! On each card anniversary you earn 10,000 points essentially making it FREE! Every dollar of spend earns 2 points and flights booked on the travel portal earn 5 points per dollar. You get access to Capital One and Plaza Premium airport lounges and a Priority Pass Select lounge membership and, this is important, you can add FOUR authorized users FOR FREE who can also have their own Priority Pass Select airline lounge membership and, this is BIG, they can bring in unlimited guests with their FREE Priority Pass card! You can transfer your Capital One points to up to 18 Transfer Partners. No foreign transaction fees. Free Hertz President’s Circle rental car top elite status. Cell phone protection and PRIMARY rental car coverage. Awesome seats at baseball stadiums for just 5k points each. And lots more.
#2 TOP OFFER: The 75K CHASE Ink Business Unlimited card is back. This is a NO ANNUAL FEE business card that earns 1.5x on everything, unlimited. The minimum spend required to earn the Signup Bonus is lower at $6,000 in the first three months. Don’t use this card abroad as it has a foreign transaction fee. 0% APR for the first 12 months, in case you need it. Chase may advertise this card all over the place as a cash back card but it does pay the Signup Bonus in 75,000 Chase Ultimate Reward points. You can redeem for cash back at a minimum $750. Or, preferably, if you have a CHASE Sapphire Reserve card, 75k points can be worth $1,113 (1.50 cents per point). Or if you have a Sapphire Preferred or an Ink Business Preferred card one point can be worth 1.25 cents, so $938. Of course, don’t forget to add the value for the points you earn doing the $6k minimum spend as well, you are going to net a minimum of 84,000 points so always do the math. Of course, extended warranty, purchase protection and primary CDW when renting a car for business purposes also apply. All these goodies for no annual fee, wow! Needless to say you don’t have to book travel in the Chase travel portal to get the travel values above. You can transfer your points to airline and hotel partners and possibly get even more more value than what you can get at the Chase travel portal, assuming you do have one of the cards mentioned above (Sapphire Reserve or Sapphire Preferred or Ink Business Preferred). But that requires a little more legwork from you to transfer, find availability, book award trips, etc. I like to transfer to Hyatt, Air Canada Aeroplan and sometimes Southwest. Available from my favorite bank links above.
#4 TOP OFFER: The 75k CHASE Ink Business Cash is a NO ANNUAL FEE card. The card now offers the 75k Signup Bonus in two stages (and a 10% relationship bonus if you have a Chase business checking account) after $6k spend in the first six months. It earns 5x on office supply stores and internet/cable/phone services on the first $25,000 and 2x on gas and restaurants on the first $25,000 and 1x on everything else unlimited. Don’t use this card abroad as it has a foreign transaction fee. 0% APR for the first 12 months, in case you need it. I usually go to Office Depot and buy gift cards of the stores I usually shop at, hello 5x Amazon! Needless to say you don’t have to book travel in the Chase travel portal to get the travel values above. You can transfer your points to airline and hotel partners and possibly get even more more value than what you can get at the Chase travel portal, assuming you do have one of the cards mentioned above (Sapphire Reserve or Sapphire Preferred or Ink Business Preferred). But that requires a little more legwork from you to transfer, find availability, book award trips, etc. I like to transfer to Hyatt, Air Canada Aeroplan and sometimes Southwest.Available from my favorite bank links above.
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OTHER NOTEWORTHY TRAVEL REWARDS CREDIT CARD OFFERS
First, my favorite bank CHASE:
See above.
And check back soon.
Then, on to AMEX:
Here we go again with brand new Hilton card offers offering elevated number of points but without any free night certs this time:
165k AMEX Hilton Surpass Card: I have this card because Hilton is my #2 hotel program (and closing in to #1 Hyatt). The annual fee is $150 but every quarter I buy a $50 Hilton gift card and I get it all credited. So, in a way it makes money for me until Amex closes this loophole. It also gives me Hilton Gold Elite status which is great, especially overseas. Signing Bonus is 165,000 Hilton Honors points. The minimum spend is a surprisingly low $3k in the first six months. You can earn a Free Night Award cert after you spend $15k on the card every year. Earning is also very good with 12x on Hilton purchases, 6x on restaurants, groceries and gas stations, 4x on online retail purchases and 3x on everything else. No foreign transaction fees. You can get Hilton Honors Diamond Status after you spend $40k.
100k AMEX Hilton Card: This is the basic no annual fee card. The signing bonus is 100,000 Hilton Honors points. The minimum spend is only $2k in the first six months. You also get Silver elite status and the earnings on the card is 7x on Hilton purchases, 5x on restaurants, groceries and gas stations and 3x on everything else. If you like Hiltons and abhor paying annual fees this card could work for you.
175k AMEX Hilton Aspire Card: Signing Bonus is 175,000 Hilton Honors points. This is the premium card with a hefty $550 annual fee. The minimum spend is $6k in the first six months. A Free Night Award cert comes with it at each card anniversary and can be used in any Hilton (think Maldives). It also comes with a bunch of statement credits that you have to be very diligent to make sure you use them all; if you did, statement credits could be worth up to $889 per year. You get the highest Diamond elite status with the card and other goodies. The earning structure is: 14x on Hilton purchases, 7x on restaurants, airfare and car rentals and 3x on everything else.
175k AMEX Hilton Business Card: The annual fee is $195 and the minimum spend is $8k in the first six months. The card earns 12x on Hilton purchases and then, in a unique way, it earns 5x on up to $100,000 of spend on everything else. If you have more even more spend, it earns only 3x after the first $100,000. You get $60 statement credits on eligible Hilton purchases every quarter, so up to $240 per year. Meaning, if you stay at least once in a Hilton property every quarter Amex pays you $45 #winning. You get Gold elite status with the card and can earn Diamond elite status if you spend more than $40,000 during a calendar year. You get complimentary National Car Rental Emerald Club Executive status. No foreign transaction fees. Sorry, no more Priority Pass lounge memberships, not a big deal because you likely have it with other cards. In its latest enhancement, this card lost the ability to earn Free Night award certs which was a huge draw to it. This card is for the people who love staying at Hilton hotels. And if you have a high volume business as well, you can earn LOTS of Hilton points with it.
You can refer Amex cards from within your Amex account. Sometimes the referral bonus you earn referring others to Amex cards can be very lucrative. And sometimes the offers you can sign up for can also be very lucrative. And they can vary wildly! Sometimes different offers show up when you use different browsers, incognito mode, desktop or mobile browser or app, it is maddening! So, I will drop here my own personal Amex REFERRAL LINK. You can use this referral link to apply for ANY Amex card. You just click on Learn More and then click on either “Personal Cards” or “Business Cards” at the top. And act accordingly if you see a crazy high offer!
