7 Excellent Card Offers to Reward Yourself (Cash or Free Travel) for Holiday Spending!

7 Excellent Card Offers to Reward Yourself (Cash or Free Travel) for Holiday Spending!

Million Mile Secrets7 Excellent Card Offers to Reward Yourself (Cash or Free Travel) for Holiday Spending!Million Mile Secrets Team

Disclosure: We get a commission for links on the blog. You don’t have to use our links, but we’re very grateful when you do. American Express, Capital One, Chase, and US Bank are Million Mile Secrets advertising partners. Opinions expressed here are the author's alone, and have not been reviewed, approved or endorsed by our partners.

It’s a wonderful time of year to consider applying for one (or more) of these fantastic credit card offers!

Card Name Sign-Up Bonus
Ink Business Preferred℠ Credit Card
InkBusinessPreferred
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® Venture® Rewards Credit Card
50,000 Capital One Venture miles (worth $500 in travel) after you spend $3,000 on purchases 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

If you apply now, you’ll have time to make holiday purchases with your new card.  This can help you meet minimum spending requirements and earn very valuable sign-up bonuses.

Best Travel Credit Cards December 2017
Team Member Keith Recently Used a New Credit Card to Buy Steeply Discounted Coffee Machines From the Amazon Treasure Truck! Holiday Shopping and Earning Points at the Same Time!

There are great offers for folks who like to earn cash back.  Or deals for those who want to save money on travel by earning miles & points!

If you’re new to earning credit card rewards, be sure to read my post with myths associated with applying for new cards.  Lots of folks are delighted to discover it’s possible to keep 20+ credit cards open AND maintain an excellent credit score!

Best Travel Credit Cards December 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 cards to consider!

1.   Chase Ink Business Preferred ($800 in Cash Back or $1,000+ Worth of Travel)

Link:   Chase Ink Business Preferred

Link:   My Review of the Chase Ink Business Preferred

The Chase Ink Business Preferred continues to be my favorite offer!  It has the largest sign-up bonus among any of the cards earning Chase Ultimate Rewards points, which are my favorite type of flexible points!

When you sign-up for the Ink Business Preferred, you can earn 80,000 Chase Ultimate Rewards points after you spend $5,000 on purchases in the first 3 months from account opening.

You can redeem the sign-up bonus for:

Team member Keith recently helped his mom sign-up for the Ink Business Preferred.  She used part of the sign-up bonus to pay nearly nothing for an all-inclusive trip to Los Cabos, Mexico!

Best Travel Credit Cards December 2017
Earn the Ink Business Preferred Sign-Up Bonus and Treat Yourself to an All-Inclusive Vacation!

With the Ink Business Preferred, you 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!  You can apply by just entering 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 ($500 in Cash Back or $625+ Worth of Travel)

Link:   Chase Sapphire Preferred

Link:   My Review of the Chase Sapphire Preferred

If you’re new to miles & points, the Chase Sapphire Preferred is the #1 card I recommend for beginners.

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.

The sign-up bonus is worth $500 in cash back or $625 in free travel when you book through the Chase portal.

Best Travel Credit Cards December 2017
Do You Enjoy Boutique Hotel Stays? Earn the Chase Sapphire Preferred Sign-Up Bonus and Redeem Points Through the Travel Portal to Stay at the Beautiful Montecito Inn in California!

Sapphire Preferred cardholders also get:

  • 2X Chase Ultimate Rewards points per $1 on travel and dining
  • 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
  • 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

The $95 annual fee is waived the first year, which means you can use the card for free for ~10 or ~11 months.  Then, decide if you like the benefits enough to pay the annual fee.

3.   AMEX Business Platinum (Get $950 Worth of Gift Cards but MUCH More for Travel)

Link:   The Business Platinum® Card from American Express OPEN

Link:   My Review of the American Express Business Platinum Card

It’s an especially good time of year to consider applying to the AMEX Business Platinum card.  Because cardholders can receive up to $200 in statement credits per calendar year for airline incidentals with their selected airline.

Because the credit works on a calendar year, you can earn it now in 2017 and again in early 2018.  So you could earn a total of $400 in credits in just a couple of months, which nearly offset the annual fee expense!

Best Travel Credit Cards December 2017
Earning Statement Credits for Airline Incidental Purchases You Are Already Planning Will Leave You With Extra Cash in Your Wallet!

This card does have a large minimum spending requirement.  But if you’re planning to make a large purchases, it might be a good fit.

When you sign-up, you’ll earn 50,000 AMEX Membership Rewards points after you spend $10,000 on purchases 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.

So after meeting the tiered minimum spending requirements, you’ll have at least 95,000 AMEX Membership Rewards points (75,000 points from sign-up bonus + at least 20,000 points from minimum spending).

You can redeem these points to get $950 worth of gift cards through the AMEX portal.  But they’re much more valuable if you transfer them directly to any of the 20 AMEX airline or hotel partners to book award travel.

Best Travel Credit Cards December 2017
You Can Transfer AMEX Membership Rewards Points to Delta and Book Award Flights to Warm Weather Destinations Like Grand Cayman!

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 the statement credits, airport lounge access, and savings from AMEX Offers can easily offset the fee.  These perks are why team member Keith keeps the card in his wallet!

4.   Capital One Venture ($500 Worth of Travel)

Link:   Capital One® Venture® Rewards Credit Card

Link:   My Review of the Capital One Venture Card 

You can earn 50,000 Venture miles (worth $500 in travel) by signing up for the Capital One Venture card and  spending $3,000 on purchases within the first 3 months.

Venture miles are very straightforward rewards, which are easy to redeem!  You just 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.

Best Travel Credit Cards December 2017
Use Venture Miles to Offset Travel Purchases Not Covered by Other Cards Like Train or Subway Tickets!

In addition to the valuable sign-up bonus, you’ll get:

  • 2 Venture miles per $1 you spend on all purchases
  • No foreign transaction fees

The card also comes with Visa Signature Benefits, which include:

  • Rental car insurance – Secondary protection against 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.

And the card’s $95 annual fee is waived the first year!  This was the first card team member Keith got when he started in the miles & points hobby.  And it helped open his eyes to the amazing deals made possible thanks to credit card rewards!

But if you’re a beginner, I typically recommend getting Chase cards first.  Because Chase makes it harder to get their valuable cards if you sign-up for lots of cards with other banks.

5.   Capital One Spark Miles ($500 Worth of Travel)

Link:   My Review of the Capital One Spark Miles Card

Similar to the Capital One Venture, you can 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.

You can use your miles to offset travel purchases you make on your card, such as airfare, Airbnb, seat upgrades, baggage fees, and much more!

Best Travel Credit Cards December 2017
Use Your Capital One Spark Miles to Book This Modern Glass Tree House on Airbnb!

Don’t forget to check out my post with why the Spark Miles & Venture card make an amazing personal and business card combination!  Earning the sign-up bonus with both cards could save you $1,000 in total on travel purchases!

Remember this is a small business card , but you can qualify with many types of side activities, like driving for Uber, freelance writing, or graphic design.

Just keep in mind, if you’re new to miles & points, you might consider waiting to get this card after applying for valuable Chase cards.

6.   Capital One Spark Cash ($500 Cash Sign-Up Bonus)

Link:   My Review of the Capital One Spark Cash Card

Capital One® Spark® Cash for Business

If you prefer earning straightforward cash back, the Capital One Spark Cash might be a good match for your wallet.

When you sign-up for the Capital One Spark Cash card, 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! 

To redeem your cash back, simply request a check or statement credit, any time, with no minimum redemption amount.  The $500 bonus could help pay for some holiday purchases!

Best Travel Credit Cards December 2017
Shopping for Apple Products This Holiday Season? Earn the $500 Capital One Spark Cash Sign-Up Bonus and Use It Toward a Purchase!

7.   Chase Sapphire Reserve ($500 in Cash Back or $750 Worth of Travel)

Link:   Chase Sapphire Reserve

Link:   My Review of the Chase Sapphire Reserve

You can earn flexible Chase Ultimate Rewards points by applying for the Chase Sapphire Reserve card.  When you sign-up, 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 for $500 in cash back or $750 in travel by booking airfare, hotel stays, or car rentals through the Chase’s travel portal (no blackout dates).

Best Travel Credit Cards December 2017
Redeem Chase Ultimate Rewards Points Linked to Your Sapphire Reserve Account to Book a Rental Car and Drive Through Beautiful New Zealand!

You get 1.5 cents per point (instead of 1 or 1.25 cents per point) on travel booked through the Chase portal with the Chase Sapphire Reserve.  So you can move points to your Sapphire Reserve account from no annual fee cards like the Chase Freedom or Chase Freedom Unlimited to increase the value of all your points!

With the Sapphire Reserve card, you’ll also get:

This card also comes with amazing trip protection benefits.  You can read how the Sapphire Reserve’s primary rental car coverage saved team member Harlan nearly $700!

There’s a $450 annual fee on the Chase Sapphire Reserve, which might appear steep at first.  But because the card also comes with up to a $300 annual credit for travel purchases the annual fee is effectively $150 ($450 annual fee – $300 travel credit).  That’s one reason team member Meghan keeps this card in her wallet!

Bottom Line

My favorite credit card offers for December 2017 are:

Earning a valuable sign-up bonus with one of these cards might be easier this month if you have upcoming holiday spending.  These purchases can count toward a new card’s minimum spending requirement.

You can unlock a $500 cash back sign-up bonus with the Capital One Spark Cash card.  Or get $1,000 worth of travel by applying for the Chase Ink Business Preferred card!

If you liked this post, why don’t you join the 25,000+ readers who have signed-up to receive free blog posts via email (only 1 email per day!) or in an RSS reader …because then you’ll never miss another update!

Ink Business Preferred℠ Credit Card

Ink Business Preferred℠ Credit Card

  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent in select categories each account anniversary year
  • Earn 1 point per $1 on all other purchases–with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more – your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee

More Info

Editorial Disclaimer: Neither the editorial content nor the comments on this site are provided by the companies whose products are featured. Any opinions, analyses, reviews or evaluations provided here are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by the Advertiser.

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I have 2 southwest cards which earned me the companion pass, and the Chase Saphire card.

Can I go from Ink Business Bold to Ink Business Preferred and get the bonus?

I enjoy reading the analysis here of all the credit cards with their bonuses and benefits. I'm at a decision point of applying for the Chase Preferred or Chase Reserve, and/or upgrading to the Citi Executive World Elite Master Card from my current Platinum Select World Elite Master Card with Citi, which has a good amount of miles earned since I've had it for a number of years. I also have a Cap One Venture card which I'm undecided on keeping since the annual fee is increasing. Currently I am caretaker for my elderly mother so travelling is at a standstill and being able to use any earned points impossible for an undetermined time, making the timing for obtaining any new card important also. I want to be prepared when the opportunity to travel presents itself again. Would welcome any comments, input or advice on my situation. Thank you.

Have been waiting a while on the 5/24 rule to get the Sapphire Preferred. I'm hoping to pull the trigger in early January.

I'm a little confused. Does the Chase Ink Business use the 5/24 rule?

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