Update: One or more card offers in this post are no longer available. Check our Hot Deals for the latest offers.
Folks happy with their everyday credit cards still apply for new worthwhile offers. Because you can earn lucrative sign-up bonuses (like $800 in cash back)!
These are my top travel credit card picks for October 2017:
|Card Name||Sign-Up Bonus|
|Ink Business Preferred℠ Credit Card||80,000 Chase Ultimate Rewards points (worth $800 in cash back or $1,000 in travel) after you spend $5,000 on purchases in the first 3 months from account opening|
|Chase Sapphire Preferred® Card||50,000 Chase Ultimate Rewards points (worth $500 in cash back or $625 in travel)) after you spend $4,000 on purchases in the first 3 months from account opening|
|The Business Platinum® Card from American Express OPEN||up to 75,000 AMEX Membership Rewards points
Earn 50,000 Membership Rewards points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 in the first 3 months from account opening
|Capital One® Spark® Miles for Business||50,000 Capital One Spark miles (worth $500 in travel) after you spend $4,500 on purchases in the first 3 months from account opening|
|Capital One® Spark® Cash for Business||$500 cash back after you spend $4,500 on purchases in the first 3 months from account opening
|Chase Sapphire Reserve℠||50,000 Chase Ultimate Rewards points (worth $500 in cash back or $750 in travel) after you spend $4,000 on purchases in the first 3 months from account opening|
|Platinum Delta SkyMiles® Credit Card from American Express||70,000 Delta miles and 10,000 Medallion qualifying miles after you spend $3,000 on purchases in the first 3 months from account opening|
There are lots of myths associated with applying for credit cards. But you can actually keep an excellent credit score (750+) while applying for multiple card offers. Just look at team member Harlan who has 30 cards and a 790 FICO score!
The key is to use your credit card like a debit card. So you can take advantage of the perks while paying the balance in full each month!
We don’t earn a commission for the cards without card art images, but Emily and I will always share the best deals with you!
Best Travel Credit Cards October 2017
Link: Hot Deals
Lots of Million Mile Secrets readers apply for top travel credit cards to enjoy Big Travel with Small Money. But whether you’re looking to travel or just want to earn some easy cash, these are the best offers to consider!
1. Chase Ink Business Preferred
With the Chase Ink Business Preferred, you’ll earn 80,000 Chase Ultimate Rewards points after you spend $5,000 on purchases in the first 3 months from account opening. This is currently the highest offer among any of the cards earning Chase Ultimate Rewards points.
You can quickly and easily redeem the sign-up bonus points for $800 in cash back. Or get $1,000 worth of travel! Because points linked to this card are worth 1 cent each when you redeem them for cash back, but 1.25 cents each when you redeem for travel through the Chase portal.
There’s also an option to transfer points to Chase’s travel partners, like Southwest, United Airlines, and Hyatt! This is ideal for folks looking to book free travel! Million Mile Secrets team member Jasmin says she’d use the 80,000-point sign-up bonus for a family trip to Hawaii or Disney!
With the Ink Business Preferred, you’ll also get:
- 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
- Up to $600 in cell phone insurance when you pay your cell phone bill with the card
- Primary auto rental insurance (CDW) when renting for business purposes, plus purchase and extended warranty protection
The $95 annual fee is NOT waived the first year.
Even though this is a small business card, you might qualify without realizing it! And you do NOT need an EIN (Employer Identification Number) to apply for a small business credit card. You can apply with just your Social Security Number.
Just keep in mind, 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).
2. Chase Sapphire Preferred
Link: Chase Sapphire Preferred
You’ll earn 50,000 Chase Ultimate Rewards points after spending $4,000 on purchases in the first 3 months of opening your account.
The sign-up bonus is worth $500 if you redeem the points for cash back. Or you can just as easily use the sign-up bonus to get $625 worth of travel by booking airfare, hotel stays, or car rentals through Chase’s travel portal. There are no blackout dates when you book through the portal. And I’ve found prices on the portal are the same as what you’d find booking directly or through an online travel agency.
With the Sapphire Preferred, you’ll also get:
- 2X points on travel and dining at restaurants & 1 point per $1 spent on all other purchases worldwide
- 5,000 bonus Chase Ultimate Rewards points (worth $50 in cash back) when you add an authorized user and make a purchase within the first 3 months
- Ability to transfer points directly to Chase’s travel partners like Hyatt and Singapore Airlines
- Primary car rental insurance – Covers damage or theft 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
- NO foreign transaction fees
Million Mile Secrets team member Scott loves using his Chase Sapphire Preferred card overseas at restaurants and bars to earn 2X Chase Ultimate Rewards points on meals and drinks, without having to worry about foreign transaction fees!
The $95 annual fee is waived the first year. So you can test the card out for nearly a year without paying anything. Then, decide if you like the benefits enough to pay the annual fee.
3. AMEX Business Platinum
Folks with large upcoming purchases can do well with the AMEX Business Platinum offer.
You’ll earn 50,000 AMEX Membership Rewards points after you spend $10,000 in the first 3 months of account opening. And an extra 25,000 AMEX Membership Rewards points after you spend an additional $10,000 on qualifying purchases within the same timeframe.
You can use 75,000 AMEX Membership Rewards points to get $750 worth of gift cards through the AMEX portal.
You can also redeem AMEX Membership Rewards points for a statement credit, but you’ll only get 0.6 cents per point. I typically don’t recommend using points this way.
To get the most value from your points, it’s usually best to transfer AMEX Membership Rewards points directly to any of the program’s 20 airlines or hotel partners like Delta or Hilton. Then book award flights or free hotel nights!
With the Business Platinum, you’ll also get:
- 1.5X AMEX Membership Rewards points on single purchases of $5,000+
- 35% of your points back for ALL First Class or Business Class flights booked through the AMEX travel portal using Pay With Points
- 35% of your points back for all flights, including coach tickets, booked with your selected airline through the AMEX travel portal using Pay With Points
- $200 in statement credits per calendar year for airline incidentals with your selected airline (luggage fees, in-flight food & drink, etc.)
- Access to airport lounges (Delta, Priority Pass, Airspace, and American Express Centurion Lounges)
- Statement credit for Global Entry or TSA PreCheck
- Free Hilton HHonors Gold elite status (free breakfast and upgrades when available)
- Terms & limitations apply
This card has a $450 annual fee, which is NOT waived. But team member Keith thinks this card pays for itself between the $200 in statement credits and savings he gets from AMEX Offers.
4. Capital One Spark Miles for Business
Many Million Mile Secrets readers love Capital One cards. Because the rewards system is very straightforward!
If you like to travel, you can go with the Capital One Spark Miles. With this card, you’ll earn 50,000 Spark miles (worth $500 in travel) after spending $4,500 on purchases within the first 3 months.
You can use your miles as a credit towards nearly any travel purchase you make on your card, such as airfare, Airbnb, seat upgrades, baggage fees, and much more! Million Mile Secrets reader Brad says the miles he earns with this card saves his family thousands on travel each year.
To redeem your Spark 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!
With the Spark Miles card, you’ll also get
- 2X Spark miles per $1 you spend on all purchases
- NO foreign transaction fees
- $95 annual fee, waived the first year
5. Capital One Spark Cash for Business
You’ll also get unlimited 2% cash back on all purchases. And redeeming your cash back is easy.
You can request a check or statement credit, any time, with no minimum redemption amount. Or you can set-up an automatic redemption, like $50 per month, for example. Whatever works for you!
The $95 annual fee is waived the first year, and the card does NOT have foreign transaction fees.
6. Chase Sapphire Reserve
Link: Chase Sapphire Reserve
With 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.
You can redeem the sign-up bonus points for $500 in cash back. Or get $750 worth of travel by booking flights, hotels, car rentals, and more through the Chase travel portal.
This is a fantastic card for folks who dine out or pay for travel. Because you earn 3X points on all travel and dining purchases. That’s like earning 3% cash back!
This is a great card to have if you’re also a Chase Freedom or Chase Freedom Unlimited cardholder. Because you can transfer points to your Sapphire Reserve card to increase the value of ALL your points!
The Chase Sapphire Reserve card also comes with:
- $300 statement credit for travel purchases (like airfare, Airbnb, hotels, car rental, Uber, etc.) each calendar 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, NOT waived the first year. But you can offset this fee with perks like the $300 travel statement credit and airport lounge access. That’s why Million Mile Secrets team member Meghan says she’ll keep the card in her wallet, despite the high fee.
This card is affected by Chase’s “5/24 rule.”
7. American Express Platinum Delta SkyMiles
Now’s a great time to consider the AMEX Platinum Delta SkyMiles card. Because through November 8, 2017, the sign-up bonus is increased to 70,000 Delta miles and 10,000 Medallion qualification miles after spending $3,000 on purchases in the first 3 months of opening your account.
You’ll also earn a $100 statement credit when you make a Delta purchase in the same timeframe.
Plus, you’ll get:
- Domestic round-trip companion certificate each year on your card anniversary
- 10,000 Medallion qualifying miles and 10,000 bonus miles when you spend more than $25,000 in a calendar year. And an additional 10,000 Medallion qualifying miles and 10,000 bonus miles when you spend $50,000 in the same timeframe
- Terms Apply
The $195 annual fee is NOT waived the first year.
If you qualify for a business card, you might also consider the Platinum Delta SkyMiles® Business Credit Card from American Express. It’s got the same increased sign-up bonus after spending $4,000 on purchases in the first 3 months of opening your account.
My top travel credit cards for October 2017 are:
- Chase Ink Business Preferred
- Chase Sapphire Preferred
- AMEX Business Platinum
- Capital One Spark Miles
- Capital One Spark Cash
- Chase Sapphire Reserve
- Platinum Delta SkyMiles® Credit Card from American Express
You can earn $800 cash back or $1,000 worth of travel with a card like the Ink Business Preferred! Or have plenty of options to transfer points to airline and hotel partners with cards like the AMEX Business Platinum or Chase Sapphire Preferred.
Some of these cards don’t earn us a commission, but we’ll always tell you about the best deals!