I’ve Been Doing Credit Card Makeovers, and Here Are the Top 4 Credit Cards I Recommend (Half I Have in My Wallet!)

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I’ve Been Doing Credit Card Makeovers, and Here Are the Top 4 Credit Cards I Recommend (Half I Have in My Wallet!)

EmilyI’ve Been Doing Credit Card Makeovers, and Here Are the Top 4 Credit Cards I Recommend (Half I Have in My Wallet!)Million Mile Secrets Team

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I’ve done a few credit card makeovers for family & friends.  I take an inventory of their current credit cards, assess their travel goals, and ask about their credit score.  Then, I recommend the best credit cards that fit those key elements.

Chase credit cards are among my favorites because it’s extremely easy to use Chase Ultimate Rewards points.  I’ve booked travel through their portal, but also transferred them to a few of their excellent transfer partners like Southwest, United Airlines, and Hyatt.  Here are the top 4 credit cards I’ve been recommending:

I Gave My Mom a Credit Card Makeover and She Got Her First Chase Travel Credit Card, the Chase Sapphire Preferred!

The Best Credit Card for Building Credit

For someone who is building their credit and whose credit score isn’t yet 700, I’ve recommended the Capital One® Secured Mastercard®.   My friend got approved for this credit card, put a small recurring charge on it, set it to autopay, and will check his credit score again in ~6 months.  It’s been ~4 to 6 weeks, but he is already getting targeted ads for other credit card offers on his phone and laptop!

You Don’t Need to Have a Credit Score of Over 800, But It Does Need to Be Above 700 to Get Approved for Some of the Best Travel Credit Cards

The Best Credit Card for Beginners

For someone who has a credit score of at least ~720 and who is just getting into the miles & points hobby, I recommend the Chase Sapphire Preferred® Card.  My mom recently applied and got approved for this credit card, even though she was denied at first.  This credit card will help establish a positive relationship with Chase so that she can get approved for more of the best travel credit cards in the future!  I had this Chase credit card when I first got into the miles and points hobby.

The Best Credit Card for Frequent Travelers

For people who travel frequently and have high credit scores, I recommend the Chase Sapphire Reserve®. That’s because it comes with so many travel perks, like a Global Entry/TSA PreCheck application credit, Priority Pass access, and 3X points per $1 spent on travel and dining.

A frequent traveler who has more experience with miles & points will know how to use all the benefits to extract all of the value, making it worth the annual fee.  I have the Chase Sapphire Reserve® credit card, and it stays in the front of my wallet all the time!

Frequent Travelers Will Know How to Extract the Maximum Value Out of the Chase Sapphire Reserve Credit Card, Like Using It Towards a Business Class Flight

The Best Credit Card for Small Business Owners

For small business owners, the Ink Business Preferred℠ Credit Card is the best credit card.

I recommended it to my friend who runs a home rental business.  It’s hard to pass up the 80,000 Chase Ultimate Rewards welcome bonus after spending $5,000 on purchases in the first 3 months of account opening.

The Ink Business Preferred℠ Credit Card also has 3X points per $1 on the first $150,000 spent in select categories each anniversary year.  I also have the Ink Business Preferred℠ Credit Card and use it every month!

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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 on travel and select business 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 Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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