These are my favorite credit card offers for folks looking to earn valuable rewards to redeem for cash back or save money on travel:
|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 on purchases and an extra 25,000 points after you spend an additional $10,000 on purchases in the first 3 months from account opening
|Southwest Rapid Rewards® Premier Business Credit Card||60,000 Southwest points after you spend $3,000 on purchases in the first 3 months from account opening|
|Southwest Rapid Rewards® Premier Credit Card|
Southwest Rapid Rewards® Plus Credit Card
|50,000 Southwest points after you spend $2,000 on purchases in the first 3 months from account opening
50,000 Southwest points after you spend $2,000 on purchases 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|
Capital One® Spark® Cash 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
$500 cash back after you spend $4,500 on purchases in the first 3 months from account opening
Keep reading to see how taking advantage of more than one card offer in the above list could get you the #1 deal in travel! Team member Keith recently shared how my favorite travel deal got him 11 vacations and saved him ~$2,750 in 2017. And you can do it too!
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 pleasantly surprised to discover it’s possible to keep 20+ credit cards open AND maintain an excellent credit score!
Best Travel Credit Cards February 2018
Link: Hot Deals
Many 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, below are some of the best cards to consider!
If you tend to shy away from cards with annual fees, consider lots of savvy miles & points veterans don’t mind paying an annual fee for a card. Because many annual fee cards have ongoing perks that can easily offset the fee expense!
Emily and I don’t receive a commission for all of these cards, but we’ll always tell you about the best deals!
1. 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!
You can redeem the sign-up bonus for:
- $800 in cash back OR $1,000 in travel by booking airfare, hotel stays, or car rentals through the Chase’s travel portal (no blackout dates) or
- Potentially even more value by transferring points directly to airline and hotel partners, like Hyatt or United Airlines (watch this step-by-step video guide to learn how!)
Team member Harlan shared some amazing ways he’d use the Ink Business Preferred sign-up bonus, including a visit to Hawaii or 18 short-haul flights!
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
Link: Chase Sapphire Preferred
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.
You can redeem the sign-up bonus for $500 in cash back or $625 in travel when you book through the Chase portal. And potentially more value if you transfer points directly to airline and hotel partners like British Airways.
The Chase Sapphire Preferred was the first card team member Jasmin got when she was new to miles and points. She was so excited to earn the sign-up bonus and use for a trip with her kids to Disney World!
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. American Express Business Platinum
If you’re planning to make large purchases for your small business, the AMEX Business Platinum offer is definitely worth considering.
When you sign-up for the AMEX Business Platinum card, you’ll earn:
- 50,000 AMEX Membership Rewards points after you spend $10,000 on purchases in the first 3 months of account opening.
- 25,000 AMEX Membership Rewards points after you spend an additional $10,000 on qualifying purchases within the same timeframe
This is a hefty minimum spending requirement. But after you’re done with the spending, 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 book award travel by transferring points directly to any of the 19 AMEX airline or hotel partners like Air Canada, Delta, or Singapore Airlines.
AMEX Business Platinum cardholders also get these terrific perks:
- 1.5X AMEX Membership Rewards points on single purchases of $5,000+
- 5X AMEX Membership Rewards points when you book airfare and hotels through the AMEX travel portal
- 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
- Up to $200 in statement credits per calendar year for airline incidentals with your selected airline (luggage fees, in-flight food & drink, etc.)
- Ability to book hotel stays through AMEX Fine Hotels & Resorts
- AMEX Premium Roadside Assistance
- Access to airport lounges (Delta, Priority Pass, Airspace, and American Express Centurion Lounges)
- Bonus points or statement credits when taking advantage of an AMEX Offer
- Elite car rental status with Avis, Executive status with National Car Rental, and Gold Plus Rewards with Hertz
- Free Hilton HHonors Gold elite status (free breakfast and upgrades when available)
- Free Starwood Gold elite status, which you can use to instantly match to Marriott Gold elite status
- 10 free Gogo in-flight Wi-Fi passes each calendar year
- Statement credit for Global Entry or TSA PreCheck
- 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. Team member Jason says he typically saves $100s per year with savings from AMEX Offers!
4. Chase Southwest Premier Business
I know lots of readers love to fly Southwest because:
- There are no blackout dates on award flights
- Award flight costs are based on the cash price of the ticket
- You get 2 free checked bags on every flight
- You do NOT pay change or cancel fees on paid or award flights
So collecting Southwest points can come in handy!
When you sign-up for the Chase Southwest Premier small business card, you’ll earn 60,000 Southwest points after spending $3,000 on purchases in the first 3 months of account opening. This is the highest sign-up bonus I’ve seen on the card! These points can get you $900+ worth of Southwest airfare savings!
With this card, you’ll also get:
- 2 Southwest points per $1 on Southwest purchases
- 1 Southwest point per $1 on everything else
- 6,000 Southwest points after your cardmember anniversary
- No foreign transaction fees
This card has a $99 annual fee, which is NOT waived the first year. But the bonus points on your card anniversary can help to offset the annual fee.
If you qualify for a small business card, I recommend getting this Southwest card BEFORE you apply for one of the personal cards. Because Chase small business cards don’t count toward your “5/24” card limit. This means you’ll have a better chance of getting one of the Chase Southwest personal cards, which can earn you the Companion Pass as I’ll show you below!
Note: If you’ve opened 5+ cards from any bank (NOT counting Chase business cards and these other business cards) in the past 24 months, it’s unlikely you’ll be approved for this card.
5. Chase Southwest Plus & Premier
When you sign-up for either Chase Southwest personal card (Plus or Premier) you can earn 50,000 Southwest points after spending $2,000 on purchases in the first 3 months of opening your account.
Remember, as long as you earn 110,000 qualifying Southwest points in a calendar year, you’ll earn the Companion Pass. And it will be valid through the end of the following calendar year.
So earning the sign-up bonus on the Chase Southwest Premier small business card AND either Chase Southwest personal card gets you enough points for the Companion Pass!
|Southwest Premier Card||Southwest Plus Card|
|Spending||• 2X Southwest points with Southwest|
• 1X Southwest points on all other purchases
|• 2X Southwest points with Southwest
• 1X Southwest points on all other purchases
|Foreign Transaction Fees||None||3%|
6. Capital One Venture
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.
Capital One has a straightforward rewards program, which means their miles are easy to redeem! All you have to do is 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.
In addition to the card’s 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!
While this card has a valuable sign-up bonus and good earning rate, I typically recommend folks get Chase cards first. Because Chase makes it harder to get their valuable cards if you sign-up for lots of cards with other banks.
7. Capital One Spark Miles & Cash
The Capital One Spark Miles and Capital One Spark Cash are considered different card products. But the value of the sign-up bonus and earning rate on ongoing spending with both cards is very similar. The better card for your personal situation depends if you want to earn miles to save on travel or just straightforward cash back.
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. And you’ll earn 2 miles per $1 on all purchases.
And 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!
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.
My favorite credit card offers for February 2018 are:
- Chase Ink Business Preferred
- Chase Sapphire Preferred
- AMEX Business Platinum
- Chase Southwest Premier small business card
- Chase Southwest Premier or Chase Southwest Plus
- Capital One Venture Rewards Credit Card
- Capital One Spark Miles for Business or Capital One Spark Cash for Business
The value of the sign-up bonuses on these cards can be significant. For example, you can earn $800 in cash back or get $1,000 worth of travel after meeting minimum spending requirements on the Ink Business Preferred card.
And thanks to increased offers on the Chase Southwest cards, it’s possible to earn the Southwest Companion Pass (the #1 deal in travel) by taking advantage of the sign-up bonus on just 2 cards (1 personal and 1 small business).
Let me know which offer you’re most excited about in the comments below!