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#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. If you prefer, this is my personal referral link, thank you.
#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
If you want to help the blog check these offers from my favorite bank HERE.
And check the following recently elevated offers:
200k IHG Business Premier
This card is going from 140k to 200k and it happens in two stages. You earn 140k points after spending $4k in the first three months. And the final 60k points after spending an additional $5k (for a total of $9k in six months. The annual fee is $99. The card earns 10x on IHG, 5X travel, gas stations, restaurants and dining, social media and search engine advertising, office supply stores and 3x on everything else. You get Platinum status as long as you hold this card AND a Free Night cert every year (yes you can top it off to stay in more expensive hotels!). So basically, you get a night for $99 and everything else is a cherry on top #winning. Up to $50 in United Travel Bank credit every year. You also can earn one $100 statement credit and 10k points after you spend $20k on the card. You can earn IHG Diamond status after you spend $40k on the card (please don’t). You can even earn another free night cert (up to 40k points) after you spend $60k on the card. Fourth night free in award stays. 20% discount on points purchases. No foreign transaction fees. Of course you get the usual TSA PreCheck, or NEXUS reimbursement as statement credits. Available from my favorite bank HERE.
100k CHASE United Business (NEW Bonus Coming Soon!)
And just like that, the welcome offer for this card went up to 100k from 75k. The annual fee is $99 and and the minimum spend is $5k in the first three months. The card earns 2x on United, gas stations, restaurants, office supplies, local transit and commuting. And 2x on everything else. If you buy 7 United tickets with it, you will get a $100 United flight credit at card anniversary. You get two United club passes every year. If you have a personal United card as well, you get a 5,000 mile “better together” bonus. 25% discount on United in flight purchases. Expanded award availability. Ability to earn Premier Qualifying Points (PQP). Free checked bag for credit card holder and one companion on the same reservation. Priority boarding. No foreign transaction fees. Can be a good fit for travelers flying on United a lot. Available from my favorite bank HERE.
Then, on to AMEX:
70k AND Free Night Hilton Honors American Express Card
This is the basic Hilton entry level No Annual Fee card. The signing bonus is 70,000 Hilton Honors points AND a Free Night Award, which matches the BEST EVER welcome offer. The minimum spend is only $2k in the first six months. You also get Silver elite status which includes benefits like a 20% points bonus on stays, free bottled water, the 5th night free on reward stays, and elite rollover nights. The earning structure on the card is: 7x on Hilton purchases, 5x on restaurants, groceries and gas stations and 3x on everything else. These Hilton Free Night certs can be used in ANY property anytime which makes them much more valuable than all other hotel free night awards by far. No foreign transaction fees. If you spend $20k on the card you get upgraded to Hilton Honors Gold elite status. If you like Hiltons and abhor paying annual fees this card could work for you.
130k AND Free Night Hilton Honors Surpass American Express Card
I have this card because Hilton is my #2 hotel program (and closing in to #1 Hyatt). The annual fee is $150 but you can get up to $200 per year ($50 per quarter) credits if you stay in Hiltons or buy a $50 Hilton gift card online (temporarily out of stock). It also gives me Hilton Gold Elite status which is great, especially overseas where you get free breakfast (you get a daily food & beverage credit on US stays). Signing Bonus is 130,000 Hilton Honors points AND a Free Night Award cert. The minimum spend is a surprisingly low $3k in the first six months. These Hilton free night certs can be used in ANY property anytime which makes them much more valuable than all other hotel free night awards by far. You can earn a second 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. You can upgrade to Diamond elite status if you spend $40k on the card. No foreign transaction fees.
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!
And on to Capital One:
75k CAPITAL ONE Venture Rewards PLUS $250 Travel Credit
The annual fee is $95 and the minimum spend required is $4,000 in three months. Capital One cards usually earn a simple flat 2 points on every dollar. This card earns 5x on hotels and car rentals booked on its own travel portal. No foreign transaction fees. Get $120 credit towards Global Entry or TSA Precheck. Complimentary Hertz Five Star elite status. Most importantly, you can transfer the 75,000 points out to airline and hotel partners. Or just erase travel charged on the card for $750. And then of course you get the $250 travel credit. Basically, $1,000 of travel for $95. Very tempting indeed. For diversifying purposes as well if you have enough miles and points elsewhere as it is always nice to use this card to pay for a trip and then use Capital One miles to erase the charges. Capital One can be, well, finicky in approvals. If you are denied, you can not call to ask them to reconsider, it is all done by algorithms so, good luck! Finally, YES, you can have both the Venture X and the Venture Rewards cards.
Frankly, if you only go for one Capital One card it should be the Venture X. Oh, by the way, only the Venture X card gets you into Capital One lounges for free!
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