Our favorite credit cards and top bonuses from our partners

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Welcome bonus: Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.

$0 annual fee

Analysis: The Ultimate Rewards® from the CardName are transferable to any other Chase card that is part of the Ultimate Rewards® program, meaning that your points could be worth more or could be combined with points earned on your other cards in order to increase your rewards redemption opportunities. So, even though this is considered a cash-back card, you’re earning Ultimate Rewards® points that serve as lucrative travel rewards. Furthermore, this no-annual-fee card allows you to earn points at a nice clip both through the signup bonus and on an ongoing basis.

Credit needed: CreditScoreNeeded

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Bonus:Earn signup_reward bonus points after you spend signup_bonus_spend_amount on purchases in the first three months from account opening.

Annual fee: AnnualFees

Analysis: This is a typical offer on the CardName which we rate as the #1 travel rewards credit card.

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Bonus:Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first three months from account opening, that’s equal to $1,000 in travel.

$95 annual fee

Analysis:  With this card you can fly any airline, stay at any hotel, anytime and not have to worry about blackout dates. You can also transfer your miles to multiple leading travel loyalty programs.

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Welcome offer: Earn a bonus of 20,000 miles once you spend $500 on purchases within three months from account opening. You earn 1.25X miles on every purchase. There is no annual fee on this card.

Credit needed: CreditScoreNeeded

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Bonus: Receive signup_reward bonus points after you spend signup_bonus_spend_amount on purchases in the first three months from account opening. All your points are worth 50 percent more when you redeem them for travel through Chase Travel℠, so those 60,000 bonus points are worth $900 in travel that way.

AnnualFees annual fee; an additional $75 each authorized user.

Analysis: This luxury card made quite a splash when it debuted in 2016. While the annual fee is hefty, you get a lot for the money.

Take advantage of up to a $300 reimbursement each account anniversary year for travel expenses like airfare or hotel stays charged to your card, access to more than 1,000 airport lounges worldwide, a chance to earn five points on flights and 10 points on car rentals and hotels when you book through Chase Travel (on purchases not eligible for the annual travel reimbursement), three points per $1 spent on dining and other travel that isn’t eligible for the annual travel reimbursement and one point per $1 on everything else, and a number of other luxury perks and benefits. Plus, remember that those points are worth 50% more if you redeem them for travel through Chase Travel.

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Bonus: New cardholders can earn $200 after spending $500 with the card in the first 3 months of opening the account.

$0 annual fee.

Analysis:  Earn 5% cash back on up to $1,500 in combined purchases in varying categories each quarter, 5% cash back on travel purchased through the Chase Ultimate Rewards® portal, 3% cash back at restaurants (including takeout and delivery), 3% cash back on drugstore purchases and 1% cash back on all other eligible purchases. Credit needed: CreditScoreNeeded

Information related to Chase Freedom Flex^SM has been collected independently by CardRatings and was neither reviewed nor provided by the card issuer

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Intro offer: For a limited time, earn a signup_reward bonus after you spend signup_bonus_spend_amount on purchases in your first three months from account opening.

$0 annual fee.

Analysis: Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service; and 1.5% on all other purchases.

Credit needed: CreditScoreNeeded

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Bonus: Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That’s $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠.

$95 annual fee not waived the first year.

Analysis: This newer member of the Chase Ink family offers a hefty signup bonus plus the opportunity to earn three points per $1 on up to $150,000 spent in select business categories each year (as determined by your account anniversary) including travel and shipping among others. Among several other appealing features is cell phone protection for the primary number as well as all your employee phones on the same account (as long as you pay your bill on the card).

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The newest member of the Ink family can really be viewed as a no-annual-fee complement to the CardName since it’s a flat-rate cash-back rewards card that can be used to earn 1.5 percent cash back on all your purchases that don’t earn higher cash back with the CardName.

It’s currently offering a welcome bonus of $750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening. Additionally, you can take advantage of an intro 12 months zero interest on purchases (then, RegAPR). And, remember, you’ll earn an unlimited 1.5 percent cash back on every purchase.

Credit needed: CreditScoreNeeded

Annual Fee: AnnualFees

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Welcome Offer: For a limited time, you can earn signup_reward Membership Rewards® points after you spend signup_bonus_spend_amount on eligible purchases within the first three months of card membership. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel within the first three months of card membership. You can earn one or both of these offers. Offer ends 6/30/25.

Rewards: Earn 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases. Additionally, earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per card account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.

Annual fee: AnnualFees.

Analysis: The AnnualFees annual fee is significant. But, Amex is giving you 35% of your points back when you Pay with Points for flights paid for through American Express Travel (you must select one airline for economy bookings, but you get 35% back on ALL business and first class flights booked via Pay with Points through Amex Travel, up to 1 million points back annually).

Credit needed: CreditScoreNeeded

Bonus: *Earn up to 65,000 Bonus Points. Earn 35,000 Bonus Points after you spend $3,000 on purchases in your first three months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first six months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.

Receive a free night certificate for a Category 1-4 Hyatt hotel or resort after each card member anniversary. Get complimentary World of Hyatt Discoverist status for as long as your account is open and 5 qualifying night credits toward your next tier status every year. Earn 2 qualifying night credits towards your next tier status every time you spend $5,000 on your card.

Earn up to 9 points total per $1 spent at Hyatt – 4 bonus points per $1 on qualified purchases at Hyatt hotels & up to 5 base points per $1 from Hyatt as a World of Hyatt member. Earn 2 points per $1 at restaurants, on airline tickets purchased directly with airlines, on local transit and commuting and on fitness club/gym memberships.

Analysis: The bonus offer can be worth up to 65,000 points. Additionally, you’ll earn an extra free night at a Category 1-4 if you spend at least $15,000 on your card during your anniversary year.

Annual fee: AnnualFees

Credit needed: CreditScoreNeeded

Information related to The World of Hyatt Credit Card has been collected independently by CardRatings and was neither reviewed nor provided by the card issuer

Bonus: Earn 60,000 points after you spend $3,000 on purchases in the first three months your account is open.

AnnualFees annual fee, not waived the first year.

Analysis: This bonus is not the top offer we’ve seen; however, these points are among the easiest to redeem as Southwest doesn’t have any blackout dates! This is a great card for domestic business travel and travel in the U.S. generally. Credit needed: CreditScoreNeeded