Many of the credit card offers that appear on this site are from credit card issuers from which MillionMileSecrets.com receives compensation. Compensation does not impact the placement of cards on Million Mile Secrets other than in banner advertising. MillionMileSecrets.com does not include all credit card offers that might be available to consumers in the marketplace.

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! :)

Best Travel Credit Card – May 2019: Top Offers for Caribbean Vacations, Trips to Europe and More!

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Best Travel Credit Card – May 2019: Top Offers for Caribbean Vacations, Trips to Europe and More!

Scott LiebermanBest Travel Credit Card – May 2019: Top Offers for Caribbean Vacations, Trips to Europe and More!Million Mile Secrets Team

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INSIDER SECRET: Many of the cards on this list have best-ever or limited-time welcome bonuses to help you get more travel or cash rewards!

Check out our carefully researched list to find the best travel credit card for your situation. With the best credit card offers right now, you can earn thousands of dollars worth of luxury flights and hotels! Or if you prefer cash back, we found an offer worth $800!

We’ll help you find the best travel card for your situation. I used miles instead of money to see incredible palaces in Sintra, just outside Lisbon, Portugal. (Photo by Scott Lieberman/Million Mile Secrets)

Seeking the Best Travel Credit Card?

Here at Million Mile Secrets, we constantly track down the best credit card rewards for you. We reveal the real deals and toss away the junk. And we’ll tell you which credit cards we use personally!

Best Credit Card Offers

Here’s a quick breakdown of each card’s bonus offer, best perk and annual fee.

 Intro Bonus OfferBest PerkAnnual Fee
Chase Sapphire Preferred® Card60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening2x Chase Ultimate Rewards points on travel and dining$95
Ink Business Preferred℠ Credit Card80,000 Ultimate Rewards points after you spend $5,000 on purchases in the first three months from account opening.3x Chase Ultimate Rewards points on up to $150,000 in combined eligible purchases in select categories each year (then 1x afterwards)$95
Capital One® Savor® Cash Rewards Credit Card$300 cash bonus after you spend $3,000 on purchases within the first three months of account openingUnlimited 4% back on dining and entertainment purchases$95, waived the first year
Ink Business Cash℠ Credit Card$500 cash back bonus after spending $3,000 in purchases within the first three months of opening your account5% back (5x Chase Ultimate Rewards points) on the first $25,000 spent on combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each card member year$0
Ink Business Unlimited℠ Credit Card$500 bonus cash back after you spend $3,000 on purchases in the first three months from account openingUnlimited 1.5% cash back on all qualifying purchases (1.5x Chase Ultimate Rewards points)$0
Capital One® Spark® Cash for Business$500 cash bonus after spending $4,500 on qualifying purchases within the first three months of account openingUnlimited 2% cash back on all purchases$95, waived the first year
CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®For a limited time: Earn 70,000 American Airlines AAdvantage® bonus miles after making $4,000 in purchases in first four months of account openingFree first checked bag for you and up to four travel companions on the same reservation (domestic flights only)$99, waived the first 12 months
Chase Freedom®$150 bonus after you spend $500 on purchases in the first three months from account openingRotating 5% categories$0
Chase Freedom Unlimited®3% cash back on all purchases for the first year, up to $20,000 spent; then 1.5% cash backFlat earning rate with no bonus categories to think about$0
Alaska Airlines Visa Signature® credit card40,000 Alaska Airlines miles, plus Companion Fare from $121 ($99 fare, plus taxes and fees from $22) after making $2,000 in purchases within the first 90 days of opening accountAnnual companion fare for $121 ($99 plus taxes and fees from $22)$75
Alaska Airlines Visa® Business credit card40,000 Alaska Airlines miles, plus Companion Fare from $121 ($99 fare, plus taxes and fees from $22) after making $2,000 in purchases within the first 90 days of opening accountAnnual companion fare for $121 ($99 plus taxes and fees from $22)$50 for the company and $25 per card

The Platinum Card® from American Express60,000 Membership Rewards® points after spending $5,000 on purchases with your new Card in the first three months. Terms Apply.Up to $200 in Uber credit annually and up to $200 in airline fee credits for your selected airline every year. Terms Apply.$550 (see rates and fees)
Southwest Rapid Rewards® Premier Business Credit Card60,000 Southwest points after spending $3,000 on purchases within the first three months of account openingIntro bonus gets you over halfway to earning a Southwest Companion Pass!$99

How We Select the Best Credit Cards for Travel

You know how you get credit card offers in the mail and throw them away? Not us! We open them all, excitedly run to get our magnifying glass and read the fine print! And we spend all day looking for new credit card offers online. Then we dive in to calculate the true value of the offer.

We let you in on the secrets that the airlines, hotels and cruise ship companies do NOT want you to know! 

Credit card intro bonuses are the fastest way to earn big travel rewards WITHOUT spending a ton of money. But here’s the thing — you have to know the smart ways to use these bonuses. That’s how we help you. We make it easy.

Team member Harlan used credit card points to stay at this stylish hotel in Europe. (Photo by Harlan Vaughn/Million Mile Secrets)

We examine the…

Bonus Offer: Credit card companies profit each time you use their card and when you pay them interest (so pay those bills on time!). Like any business, they want more customers. So they create offers where you can earn a serious stash of miles or cash when you first open your new card. Some bonuses are VERY appealing — while others are not! We sort it all out for you.

Minimum Spending Requirement: Here’s the “catch.” To earn the intro bonus, you must spend a certain amount using your new card within a certain time frame. We like reasonable spending requirements that make it easy to get your bonus. We do list cards with bigger requirements but ONLY if the reward is huge.

We love seeing how regular people like you get to travel first class, stay in amazing hotel or earn lots of cash using our insider tips. For example, our reader Lori is an English teacher who took trip to Asia worth over $30,000 for only $500. Like me, she’s a big fan of the Chase Sapphire Preferred card. And she took it on her epic adventure to Thailand, Vietnam and Hong Kong.

Ongoing Bonus Opportunities: We prefer travel credit cards that KEEP rewarding you, even after you earn the initial big welcome bonus.

Benefits: Airport lounges with complimentary food and alcohol, no foreign transaction fees, and TSA PreCheck are some of my favorite perks that save money AND time.

Visit legendary Stonehenge, like I did! It’s easy to get free flights to Europe (and the rest of the world!) with credit card points to experience history and delicious food. (Photo by Scott Lieberman/Million Mile Secrets)

Million Mile Secrets readers and team members make the most of the best credit card offers to unlock free travel. And redeem miles & points to travel cheaply to destinations like Disney World, Europe, Japan, New Zealand and many others!

Want to see what it’s like when you master the Million Mile Secrets? Here’s a video:

Always wear your seat belt and always be responsible with credit! If you’re new to rewards credit cards, be sure to read our post with myths associated with applying for new cards. Many folks are pleasantly surprised to discover it’s possible to keep 20 or more credit cards open AND maintain an excellent credit score! This is my exact situation. My score is still excellent because I always pay my bills on time.

And remember, you shouldn’t necessarily shy away from credit cards with annual fees. Many of the best credit card offers have annual fees, but terrific ongoing perks (like annual travel credits!) that can easily offset the expense! When I started out, I really didn’t like the idea of an annual fee. So I started out with no annual fee cards like Ink Business Cash. But now I do the math to decide when a “premium” card is worth it.

Best Travel Credit Card: Chase Sapphire Preferred Card

Apply here: Chase Sapphire Preferred

Read our review of the Chase Sapphire Preferred

The Chase Sapphire Preferred is the #1 card we recommend for beginners in the miles and points hobby. I’ve had this credit card for many years and I take it on all my trips.

The Official Offer: When you apply, you’ll earn 60,000 Chase Ultimate Rewards points after spending $4,000 on purchases in the first three months of opening your account.

Yeah, and that means?

To get big-time travel, you want to book what’s known as an “award flight.” You can transfer your Chase points to various airline partner loyalty programs at a 1:1 ratio. One Chase point will convert to one partner airline mile. For example:

You’ll have at least 64,000 Chase Ultimate Rewards points (because you earn points on the $4,000 minimum spend too). Here are just a few of your many options:

  • 60,000 United Airlines miles to fly round-trip to Europe
  • 60,000 United Airlines miles to fly business class one-way to Europe or 70,000 miles to fly on their partner airlines (Whoa.  That would cost ~$4,000 if you paid cash!)  I just did this maneuver. I had a stash of 140,000 Chase Ultimate Rewards points built-up from intro bonuses and regular spending. And I moved them to United Airlines. And that gave me access to United Airlines’ cousin airlines to fly business class round-trip to Europe.
  • 35,000 United Airlines miles to fly round-trip to the Caribbean or Central America. Meghan on our team did this to save over $700 on a fun last-minute trip to explore beautiful Belize!
The best travel credit card for beginners is Chase Sapphire Preferred. Here I am in the mountains of Poland holding the credit card
I used points from my Chase Sapphire Preferred card to fly business class to Europe and explore Morskie Oko in the Tatra mountains. (Photo by Scott Lieberman/Million Mile Secrets)

Or you can redeem the welcome bonus for $600 in cash back or $750 in travel when you book through the Chase Travel Portal. You’ll get potentially much more value if you transfer points directly to airline and hotel partners, like Hyatt.

Ongoing Earning Potential:

  • 2x Chase Ultimate Rewards points per dollar spent on travel and dining
  • 1x Chase Ultimate Rewards points per dollar on all other purchases

Examples of what counts as “travel” and earns 2x Chase points:

  • Toll bridges and highways
  • Parking lots and garages
  • Airlines (including tickets, baggage fees, change fees, etc.)
  • Hotels, motels, timeshares, campgrounds
  • Vacation rentals like Airbnb (I’ve earned double points everywhere from Cancun to Krakow this way)
  • Car rental agencies
  • Cruise lines
  • Travel agencies
  • Discount travel sites like Travelocity and Expedia
  • Trains like Amtrak, subway and metro tickets
  • Buses like city bus tickets, Greyhound, Megabus
  • Taxis, Limos, ride-sharing services like Uber and Lyft (double points to the airport!)
  • Ferries (random travel tip: Ferry from Helsinki to Tallinn in Estonia to experience their Old Town)

Using Your Points: You’ve got three incredible options.

1. Transfer to Chase’s terrific travel partners like British Airways, United Airlines, Southwest, Hyatt, Marriott, Singapore Airlines and more!

2. Use your Chase Ultimate Rewards points in their travel portal. This is quick and easy.

3. Cash back.

Options 2 and 3 are super simple and satisfying.

Option 1 takes a bit of learning but results in amazing experiences – the kind that give you a feeling of sticking it to “the man” and feeling superior over all your former friends who you are now too cool to associate with.

Chase Ultimate Rewards points transfer at a 1:1 ratio directly to the following airlines:

  • Singapore Airlines (This is how you fly to Australia in first class in an actual bed)
  • Aer Lingus (Ireland!)
  • British Airways (This is the secret to cheap flights to Hawaii from the West Coast and cheap flights within Europe and Asia)
  • United Airlines (This is how I fly to Europe. And I don’t fly on United Airlines, I use their partners)
  • Flying Blue (KLM and Air France)
  • Iberia
  • Southwest (No blackout dates + two free checked bags)
  • Virgin Atlantic
  • JetBlue (No blackout dates + the most legroom in coach)

And they transfer to these hotel programs:

  • Hyatt (the BEST use of your Chase Ultimate Rewards points for hotels. This is how I stayed at the Hyatt Zilara all-inclusive on the beach for $0 per night instead of $500 per night. I was very happy sipping margaritas while in the pool that overlooked the ocean)
  • Marriott
  • IHG (they have brands you know like InterContinental, Crowne Plaza, Staybridge Suites and Holiday Inn)
Using my Chase Sapphire Preferred card, I got a free business class flight to Europe this summer. (Photo by Scott Lieberman/Million Mile Secrets)

Perks:

Primary car rental insurance: Covers damage due to theft or collision 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 or requires an overnight stay for expenses such as meals and lodging (because they may not reimburse you for your usual snack of Beluga caviar, stick to the store-brand caviar)

Extended Warranty Protection: Extends the time period of the US manufacturer’s warranty by an additional year, on eligible warranties of three years or less

Baggage Delay Insurance: Reimburses you for essential purchases like toiletries and clothing for baggage delays over six hours by passenger carrier up to $100 a day for five days. (So when the airline stinks, you don’t have to.)

When you’re approved, be sure to read the full details in the Guide to Benefits.

No foreign transaction fee: Hooray! That’s why I take my Chase Sapphire Preferred everywhere I travel. It’s a Visa credit card so it’s accepted just about everywhere and there are no nonsense international fees.

Is the Chase Sapphire Preferred Worth the Annual Fee: The $95 annual fee is 100% worth itI’ve paid this fee year after year. Remember, when you earn the welcome bonus that’s $600 cash, or $750 in travel with no blackout dates, or over $1,000 in award travel. So just subtract $95 from that and it’s pretty clear. (If you do decide to cancel after a year or so, it’s seriously hassle-free.)

Do you qualify for the Chase Sapphire Preferred? Chase has the final say. Here are guidelines:

You have the best chance of being approved when you have excellent credit. Your score is likely high enough if it’s over 750. I wouldn’t recommend applying if your score is below 725, although you never know.

There are other factors Chase will use to determine if they want to allow you to have this metal credit card. They may consider your income, your banking relationship with them, etc. Again, this is Chase’s card and they make the final determination on whether or not to let you have it.

That said, they created this card and bonus for a reason. So don’t be shy! When I was approved for my Chase Sapphire Preferred I had an 800 credit score (still do) and a middle class income.

Important: If you’re in one of these three categories, you very likely will NOT be approved for the Chase Sapphire Preferred:

1. You have opened five or more new credit cards from any bank within the past 24 months. But wait, this does NOT count small business cards from American Express, Bank of America, Chase, Citi and Wells Fargo.

2. You already have a Chase Sapphire Preferred OR a Chase Sapphire Reserve card.

3. You earned the bonus on the Chase Sapphire Preferred or Chase Sapphire Reserve in the past 48 months.

Chase Sapphire Preferred Bottom Line: This is our #1 pick for people who are beginners to travel credit cards and airline miles and points. This was my first “premium” travel credit card and I still have it and use it to this day.

Apply here: Chase Sapphire Preferred

Best Business Credit Card: Chase Ink Business Preferred

Apply here: Chase Ink Business Preferred

Or read our full review of the Chase Ink Business Preferred

 

The Official Offer: Earn 80,000 Chase Ultimate Rewards points after you spend $5,000 on purchases in the first three months from account opening.

What you’ll get: This is a fantastic welcome bonus and a big reason why the Chase Ink Business Preferred is our #1 pick!

A team member used it to book a business-class award flight to New Zealand worth more than $4,000!

If you like cash back, the 80,000-point bonus offer is $800.

And there is a useful option in between simple cash back and awesome award flights. You can use your Chase Ultimate Rewards points in the Chase Travel Portal (it looks and works just like Expedia) to quickly book travel with no blackout dates. Your Chase Ultimate Rewards points with the Chase Ink Business Preferred are worth 1.25 cents each instead of 1 cent each. So the bonus brings you $1,000 worth of airfare, hotel stays, car rentals and more.

Note: I’ve found flights to cost the same as when I book on other travel sites. Hotel stays are also usually very close in price. For car rentals, shop around. But the Chase portal does often have the best price too.

But tell me more about that $4,000 flight: With the Chase Ink Business Preferred card you can send your Chase Ultimate Rewards points to transfer partners. For example, you can move your 80,000 Chase Ultimate Rewards points to become 80,000 United Airlines miles or 80,000 Hyatt hotel points.

So what does that all mean exactly? Well … 60,000 United Airlines miles is enough for a one-way business-class flight to Europe from the US. 60,000 United Airlines miles is also enough for a round-trip flight to Europe in economy class. You’ll be earning Chase Ultimate Rewards points on all your spending. So as you stack points, you get closer to your dream trip.

On a sunny day I'm standing in front of a low brick wall overlooking the blue Northern Irish sea and ruins of a gray Medieval castle that was part of the Game of Thrones television show that sits on lush green land
Medieval Dunluce Castle in Northern Ireland – or as I prefer to call it, House Greyjoy from Game of Thrones! Experience Europe by using Chase points instead of cash to fly there. (Photo by Scott Lieberman/Million Mile Secrets)

Another cool thing is just because you move your points to United Airlines does NOT mean you have to fly on United Airlines! United Airlines lets you use their miles to fly on their cousin airlines in the Star Alliance such as Air New Zealand, SWISS, Singapore Airlines, Thai Airways and more!

Ongoing Earning Potential:

  • 3x Chase Ultimate Rewards points for every dollar 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

Examples of what counts as “travel” and earns triple Chase points:

  • Toll bridges & highways
  • Parking lots & garages
  • Airlines (including tickets, baggage fees, change fees, etc.)
  • Hotels, Motels, Timeshares, Campgrounds
  • Vacation rentals like Airbnb
  • Car rental agencies
  • Cruise lines
  • Travel agencies
  • Discount travel sites like Travelocity and Expedia
  • Trains like Amtrak, subway, and metro tickets
  • Buses like city bus tickets, Greyhound, Megabus
  • Taxis, Limos, Ride-sharing services like Uber and Lyft
  • Ferries

Using Your Points: You’ve got three great options.

1. Transfer to Chase’s terrific travel partners like British Airways, United Airlines, Southwest, Hyatt, Marriott, Singapore Airlines and more!

2. Use your Chase Ultimate Rewards points in their travel portal. This is quick and easy.

3. Cash back.

Perks:

Cell Phone Protection: You get up to $600 per claim in cell phone protection against covered theft or damage for you and your employees listed on your monthly cell phone bill when you pay it with your Chase Ink Business Preferred credit card. There are a maximum of three claims in a 12 month period with a $100 deductible per claim.

The cell phone insurance perk actually works! A team member filed a claim online and received an $85 reimbursement after he paid to replace his shattered iPhone screen.

Extended Warranty: When you buy items with your Chase Ink Business Preferred, they add one extra year when the warranty is three years or less.

Note: The extended warranty protection is up to the amount charged to your card less shipping and handling fees, with a maximum of $10,000, and no more than $50,000 per calendar year.

Rental Car Insurance: Card holders are covered when you rent a car with your card and decline the car rental agency’s collision damage waiver.

Rental car insurance is primary when renting for business purposes in your country of residence or outside of the country. Otherwise, coverage is secondary. You’d be shocked at what they try to charge you for a minor ding or scrape. This built-in insurance can save you a lot of money and headaches.

Baggage Coverage: If your baggage is delayed for more than six hours, you could be reimbursed for emergency purchases of essential items (i.e. clothing, toiletries, cell phone charging cables and more).

You can get up to $100 per day for a maximum of five days.

Lost Luggage: This benefit covers the cost to repair or replace lost luggage and personal items inside. You can be reimbursed up to $3,000 per person each trip with a limit of $500 for items such as jewelry and electronics.

Trip Delay Protection: If your trip is delayed for more than 12 hours, you could be reimbursed for up to $500 per ticket for reasonable expenses (meals, lodging, toiletries, medication and other personal use items).

No Foreign Transaction Fee: I refuse to use any credit card outside that US the hits you with an international fee. The Chase Ink Business Preferred doesn’t do that to you.

Employee Cards at No Additional Cost: By adding employee cards to your account, you can set individual employee spending limits for greater control and earn rewards faster.

Do you qualify? This is a small business credit card but you might qualify without realizing it. You can apply with your social security number as a sole proprietor of a for-profit business. Check our step-by-step guide to completing a Chase business card application.

Note: Chase will NOT approve you for their Ultimate Rewards points earning cards if you’ve opened five or more credit card accounts (from any bank) in the past 24 months (NOT counting Chase business cards and certain other business cards). So be sure to get the Chase credit cards you want before you’re over the limit.

Is the Chase Ink Business Preferred Worth the Annual Fee? Yes. It’s $95 for all the above. It’s a no-brainer.

Chase Ink Business Preferred Bottom Line: You can’t go wrong with this card. It’s impossible. In the worst case, you earn the welcome bonus and take home $800 minus the annual fee. Best case, you are flying to your dream destinations and sleeping on 1,000-thread-count sheets at luxury hotels.

Apply here: Chase Ink Business Preferred

Best Cash Back Credit Card for Restaurants & Entertainment: Capital One® Savor® Cash Rewards Credit Card

Apply here: Capital One® Savor® Cash Rewards Credit Card

Or read our full analysis: Capital One Savor Card Review

The Intro Offer: $300 cash back after spending $3,000 on purchases within the first three months of account opening.

Ongoing Earning Potential:   

  • 4% cash back on dining (secret: oftentimes bars and nightclubs code as dining too!)
  • 4% cash back on entertainment (concerts, tourist attractions, theme parks, and more!)
  • 2% cash back at grocery stores

You’ll earn 1% cash back on all other purchases.

Best of all, there’s no limit on how much bonus cash back you can earn!

Using Your Points: You can request a check or statement credit, any time, with no minimum redemption amount. Or set-up an automatic redemption such as $25 back per month.

Earning 4% cash back on dining and entertainment is a hugely rewarding benefit with the Capital One Savor card. (Photo by Jasmin Baron/Million Mile Secrets)

Delivery Perk: With Postmates Unlimited, you get $0 delivery fees on orders over $15. You’ll also never pay blitz pricing or get hit with minimum basket fees from over 300,000 restaurants and businesses. And that includes alcohol, certain supermarkets, pharmacies, coffee shops, bakeries and more.

When you pay for a monthly Postmates Unlimited membership using your Savor card, you’ll receive a monthly statement credit of $9.99 through December 2019.

Is there a Foreign Transaction Fee? Nope.

Capital One Savor Bottom Line: I typically use my Chase Sapphire Preferred while traveling overseas. But I’m very much considering adding the Savor card to my wallet.

It also has no foreign transaction fee AND rewards you with a fat and unlimited 4% cash back on dining out and entertainment. Typically my biggest expenses overseas are restaurants/bars, tourist attractions and groceries (since I usually use points for flights and hotels). What I also love about Savor is you can try the card free the first 11 months. Then if you feel like it saves you money, you only pay the $95 annual fee starting in year two with the card. All that plus the $300 intro bonus makes this a strong offer.

Apply here: Capital One® Savor® Cash Rewards Credit Card

Best Business Credit Card With No Annual Fee (tie): Ink Business Cash Credit Card

Apply here: Ink Business Cash Credit Card

Read our review of the Ink Business Cash credit card

With the highest-ever Ink Business Cash intro bonus, you’ll earn $500 cash back (50,000 Chase Ultimate Rewards points!) after spending $3,000 on purchases in the first three months of account opening. Earning $500 in cash from a card with no annual fee is an AWESOME deal!

It also comes with:

  • 5% cash back (5x Chase Ultimate Rewards points) on the first $25,000 spent in combined purchases at office supply stores and on phone, internet and cable TV services each account anniversary year
  • 2% cash back (2x Chase Ultimate Rewards points) on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • 1% cash back (1x Chase Ultimate Rewards point) on all other purchases
  • Primary car rental insurance (CDW) when renting for business purposes, covering damage due to collision or theft to your rental car when you pay with your Chase Ink Business Cash card. Secondary coverage when renting for personal reasons

I’ve has kept this card in my wallet for many years, in large part, because it has no annual fee! With my Ink Business Cash card I earn 5x points on my monthly internet bill and 2x points at restaurants. Liquid Hint: Many times your business cocktails and networking wine earn 2x points too! Because bars and lounges often code as restaurants to the credit card company.

Using Your Points: If you ONLY have the Chase Ink Business Cash credit card, you’ve got one option: cash. However, if you ALSO have the Chase Ink Business Preferred (yes, you can own both cards) OR the Chase Sapphire Preferred OR the Chase Sapphire Reserve you now have travel superpowers.

You can lift all the points you earn with your Ink Cash above your head, create an impressive fiery orb and hurl them over to one of those “premium” cards. And from there you have access to all the travel partners I talked about in the Chase Ink Business Preferred section!

Myself and team member Harlan have both stayed at the Hyatt Zilara Cancun and each paid $0! I moved points earned with my Ink Business Cash to Sapphire Preferred, then to Hyatt to get my free stay. (Photo by Harlan Vaughn/Million Mile Secrets)

Perks: Primary rental car insurance (when renting for business purposes), extended warranty, delayed baggage and lost luggage protection.

You can check all the details of the fantastic benefits when you get to the Ink Cash card offer page. But I’ll give you a real-life example. I walked into my local Staples ready to make a significant purchase. Naturally I was prepared with my Ink Cash business credit card because with it I earn 5x points at office supply stores such as this. I made my significant purchase. And that’s when it happened.

The sales person pitched me about the, you guessed it, the dreaded extended warranty.

He said, “You fool! You’re about to pay big bucks for your significant purchase yet you won’t pay this relatively tiny amount to protect your investment for an extra year?” 

I inhaled my Zen. And exhaled, “Nah. I’m good.” 

He dug in. “How could you be so feckless… so irresponsible… have you no regard for society?!” 

But his pleas for extra cheese were for naught. For I own, behold! … the Ink Business Cash credit card! And it adds an extra year to the warranty. Be gone, extended-warranty-pusher!

Is the Chase Ink Business Cash Worth the Annual Fee? Yes, because there is no annual fee! But this card DOES charge foreign transaction fees, which is why I use my Chase Sapphire Preferred when I travel abroad.

Chase Ink Business Cash Bottom Line: I use this business credit card all the time. It costs $0 to own. Enjoy.

Apply here: Ink Business Cash Credit Card

Best Business Credit Card With No Annual Fee (tie): Ink Business Unlimited Credit Card

Apply here: Ink Business Unlimited Credit Card

Our review of the Chase Ink Business Unlimited

The Intro Offer: You will receive $500 cash back (50,000 Chase Ultimate Rewards points!) when you spend $3,000 on purchases during the first three months from account opening.

Ongoing Earning Potential: You can earn an unlimited 1.5% cash back on every purchase.

Using Your Points: What’s cool here is that this works the same way as the Ink Business Cash. You can use your points for cash back OR, if you have a “premium” Ultimate Rewards card (AKA it has an annual fee) like Chase Sapphire Preferred, Chase Sapphire Reserve or Chase Ink Business Preferred, you can then move your points to those premium cards for premium travel rewards.

And that’s exactly how I use the points I earn from my Ink Business Unlimited Credit Card.

I flew to Europe using Chase Ultimate Rewards points to see the mountaintop castles of Portugal. (Photo by Scott Lieberman/Million Mile Secrets)

Really, the Ink Business Unlimited is very similar to the Ink Business Cash. It’s possible to have both cards. I do.

But if you’re trying to decide, I think of these cards like this…

Do you prefer your love partner to be pretty good looking all the time, no matter the circumstance? Then choose Ink Business Unlimited because you get 1.5x points on all your purchases without having to think about it.

Or do you prefer your romantic partner to look just OK most of the time but drop-dead gorgeous for special occasions … like when you walk into office supply stores. And when you pay your phone and internet bill. And your partner is doubly-attractive when you go out to restaurants and gas stations. If that’s your pick, go with Ink Business Cash (the card listed above this one) instead.

Ink Business Unlimited Bottom Line: You really can’t go wrong here.  No annual fee and you earn 1.5% cash back on all purchases AND you can earn a $500 intro bonus? Easy pick.

Apply here: Ink Business Unlimited Credit Card

Best Credit Card for Simple Travel Rewards: Capital One Spark Cash for Business

Apply Here: Capital One® Spark® Cash for Business

Read our review of the Capital One Spark Cash card

The Official Offer: Earn a $500 cash bonus after you spend $4,500 on purchases within three months of account opening.

Ongoing Earning Potential: Unlimited 2% cash back per dollar you spend on all purchases.

Using Your Points: This card earns cash back, which you can use to request a check or statement credit any time with NO minimum redemption amount!

Get back $500 big ones to use however you want after you meet the minimum spending on the Capital One Spark Cash card. (Photo by diy13/Shutterstock)

Perks:

Purchase Security and Extended Protection: They will replace, repair or reimburse you for eligible items of personal property up to $10,000 per claim for 90 days from the date of purchase in the event of theft or damage.

And extended protection doubles the time period of the original manufacturer’s written US repair warranty up to one full year on warranties of three years or less when you purchase the item entirely with your Capital One Spark Cash card.

Auto Rental Collision Damage Waiver: You receive primary coverage, at no additional cost, for damage due to collision or theft when you charge your entire rental transaction to your Capital One Spark Cash card and decline the rental company’s collision damage waiver.

So that saves you money when you rent a car for business! This is overall a good deal but always read the fine print. For instance, this benefit doesn’t cover Bentley or Ferrari vehicles, even if you’re James Bond on international spy business.

Lost Luggage Reimbursement: Your checked or carry-on luggage is covered up to $3,000 if lost or stolen when you charge your entire common carrier ticket to your Capital One Spark Cash card.

No Foreign Transaction Fee: Bring this card to Europe! Visa is widely accepted.

Free Employee Cards: Add employee cards at no additional cost, and earn all the rewards from their purchases!

Is the Capital One Spark Cash for Business Worth the Annual Fee? Without a doubt in year one because the $95 annual doesn’t kick in until AFTER your first year with the card. At ~10 months with the card, look over your spending habits to see if the card makes sense for you to keep.

Whenever I have to cancel a credit card (which I don’t do often) I’ve found it to be very easy and painless.

Capital One Spark Cash Bottom Line: If you like Capital One and you like this business credit card, it’s definitely worth getting. In general, I’ve had great experiences with Capital One.

Apply Here: Capital One® Spark® Cash for Business

Best American Airlines Credit Card: CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

Apply here: CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

Or read our full review of the CitiBusiness AAdvantage

The Official Offer: Earn 70,000 American Airlines miles after you spend $4,000 on purchases in the first four months of opening your account. This is a limited-time offer!

And 70,000 American Airlines miles means what exactly?

The long flight to Asia is SO much better when you lay down to sleep in Cathay Pacific business class. Book with American Airlines Miles! (Photo by Jason Stauffer/Million Mile Secrets)

With 70,000 American Airlines miles you can:

  • Fly round-trip to Europe, Hawaii, Asia or South America
  • Fly one-way in business class to Japan or Korea
  • Get two round-trip flights to anywhere in the continental US
  • Fly one-way first class from coast to coast in the US
  • Get two round-trip flights to the Caribbean, Central America or Mexico

Those are just a few of the awesome options you’ll have with your 70,000 American Airlines miles!

Many of you will combine the credit card bonus with your current stash of American Airlines. Or you’ll keep using the card to earn more miles. So here’s an idea of what you can do when you collect more American Airlines miles:

Sleep your way to Australia on Qantas by using American Airlines miles to fly in a business-class bed (Photo by Million Mile Secrets)
  • Fly one-way in business class to Australia or New Zealand for 80,000 American Airlines miles on partner airline Qantas
  • Fly one-way in first class to Japan for 80,000 American Airlines on partner Japan Airlines
  • Fly one-way in first class to Europe for 85,000 American Airlines miles

I’ve got to say, I usually fly coach to save miles and take more trips, but … wow, life sure is better when you’re able to lay down and sleep on a long flight. Plus you’re treated to much tastier food and liquor.

Ongoing Earning Potential:

  • 2 American Airlines miles per dollar spent on American Airlines flights
  • 2 American Airlines miles per dollar spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations
  • 1 American Airlines mile per dollar spent on other purchases

Perks:

Free first checked bag: You get a bag! Your travel companion gets a bag! Everyone gets a bag! OK, up to four travel companions get a free checked bag on the same reservation on domestic American Airlines flights. That’s a huge money saver!

Preferred boarding on American Airlines flights: Nice.

Discounted in-flight Wi-Fi: Get 25% off when you purchase with your card. Not amazing, but I’ll take it. 🙂

No Foreign Transaction Fee: Excellent perk.

Extended Warranty: This benefit doubles the original manufacturer warranty up to a maximum of 12 months on warranties of five years or less for most items you purchase with your eligible CitiBusiness®/AAdvantage® Mastercard. So you can feel at ease when you turn down the store’s extra warranty coverage that they try to sell you.

Purchase Protection: You’re covered for most items you purchase with your eligible CitiBusiness®/AAdvantage® Mastercard if the item is damaged or stolen within 90 days of the date of purchase. This is a major reason I’ll NEVER make product purchases with a debit card. Your credit card gets you miles – and peace of mind.

Mastercard Easy Savings: CitiBusiness® / AAdvantage® Platinum Select® card members (that’s a mouthful to say) are enrolled to receive automatic rebates on eligible purchases with Mastercard® Easy Savings. OK, so I looked over these and some of the savings are pretty cool. Currently (keep in mind these can change) you can save 4% at many hotels and restaurants. Being a food lover, I took a closer look at the dining perk. Here’s what it says:

Just dine at a restaurant within the Dinova network and use your eligible Mastercard business credit card to pay for your meal as you normally would. Nothing else is required. The rebate will apply to the entire charge, including taxes and tips. The rebate will appear on your statement in the form of a credit.

Woo-hoo! I know what you’re thinking… Dinova network? So I did a quick search of New York City as an example and a ton of restaurants popped up ranging from upscale steakhouses to chain restaurants. So it’s easy to automatically knock 4% off your bill!

Is the CitiBusiness American Airlines Credit Card Worth the Annual Fee? Yes. You pay $0 in year one with the card. Then you pay $99 if you keep it. If you’re flying on American Airlines it’d be hard to NOT make up the annual fee in checked bag savings! I really dislike baggage fees. But at least there’s a way to wiggle out of them.

CitiBusiness American Airlines Card Bottom Line: The 70,000 American Airlines bonus miles are worth about $1,500 depending on how you use them. That’s an awesome intro bonus! You’re going to save a lot of money on baggage fees. You board early. For folks who fly on American Airlines or want to fly on great partner airlines to Hawaii, Europe, Asia and more, this is an excellent deal.

Apply here: CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

Best Credit Card With No Annual Fee (tie): Chase Freedom 

Apply Here: Chase Freedom

Read our review of the Chase Freedom

The Official Offer: $150 bonus after you spend $500 on purchases in the first three months from account opening.

Ongoing Earning Potential: The Chase Freedom has 5% cash back (5x points) bonus categories that rotate quarterly … and they’re actually super useful! Past quarters have included grocery stores, drugstores, gas stations and commuter train tickets – to name a few. Team member Harlan almost always makes the most of each quarterly bonus, which is 5% cash back (5x points) on up to $1,500 in purchases in the combined categories when you activate each quarter. 

Many MMS team members have their Chase Freedom with them always, because the bonus categories are typically useful every quarter. (Photo by Harlan Vaughn/Million Mile Secrets)

That’s an extra 30,000 Chase Ultimate Rewards points per year ($1,500 x 5 x 4)! Pretty good for a card with NO annual fee!

Using Your Points: The points you earn with this card are only useful for cash back at the rate of 1 cent per point UNLESS you have an annual-fee Ultimate Rewards card. If you do, you can combine all the points and send them to travel partners, which is what we do on the MMS team. Earning 5x Southwest points or 5x Hyatt points for everyday purchases is a real treat. 

Perks:   

Extended Warranty: When you use the Chase Freedom to purchase an item, the card will extend the time period of a US manufacturer’s warranty by an additional year, on eligible warranties of three years or less.

Purchase Protection: The Chase Freedom offers protection against damage or theft for up to 120 days on new purchases up to $500 per claim and $50,000 per account.

Is the Chase Ink Business Preferred Worth the Annual Fee? Yup, because there isn’t one to worry about!

Chase Freedom Bottom Line: If you like a card that’s always switching up the bonus categories, this is the one for you. I like it because if I sit out a quarter, I know something else is always around the corner. That said, there’s hardly ever been a time when this card hasn’t been in my wallet. You can’t beat earning 5x Chase Ultimate Rewards points and not paying an annual fee. 

Apply Here: Chase Freedom

Best Credit Card With No Annual Fee (tie): Chase Freedom Unlimited

Apply Here: Chase Freedom Unlimited

Read our review of the Chase Freedom Unlimited

The Official Offer: 3% cash back on all purchases for the first year, up to $20,000 spent, then 1.5% cash back on all other purchases.

Ongoing Earning Potential: After the promotional rate expires, you’ll earn a flat 1.5 Chase Ultimate Rewards points per dollar spent on all purchases, with no categories to remember ever. 

If you want a card with a simple rewards setup, look no further than the Chase Freedom Unlimited. (Photo by fizkes/Shutterstock)

Using Your Points: Like the Chase Freedom above, you can combine the points you earn with the Chase Freedom Unlimited with other premium Ultimate Rewards cards to access travel partners – which would earn earning 1.5X Chase Ultimate Rewards points per dollar spent everywhere. That’s pretty sweet!

Perks: You’ll get the same perks as the Chase Freedom. 

Is the Chase Freedom Unlimited Worth the Annual Fee? No annual fee to see here! (Yes!)

Chase Ink Business Preferred Bottom Line: If you like the ease of straight earnings on all your purchases, this is an excellent card to have. Especially when you pair it with another Ultimate Rewards card to give it superpowers. 

Apply Here: Chase Freedom Unlimited

Best Alaska Airlines Bonus (tie): Alaska Airlines Personal and Business Visa Card

Apply Here: Alaska Airlines Visa Signature® credit card

Apply Here: Alaska Airlines Visa® Business credit card

The Official Offer: You’ll earn 40,000 Alaska Airlines miles and a Companion Fare from $121 ($99 fare plus taxes and fees starting at $22) after making $2,000 in purchases within the first 90 days of opening the Alaska Airlines Visa Signature credit card or Alaska Airlines Visa Business credit card

Ongoing Earning Potential: When you spend with this card, you’ll earn:

  • 3 Alaska Airlines miles per dollar spent on eligible Alaska Airlines purchases
  • 1 Alaska Airlines mile per dollar on everything else

Using Your Points: It’s certainly easy to redeem Alaska Airlines miles for award flights directly on their website. The lowest domestic tier starts at just 5,000 miles each way in coach. But the best use is to fly one of Alaska’s excellent international partners, like Aer Lingus, Finnair, Japan Airlines and many more! 

Alaska Airlines has some incredible partnerships that make their miles even more valuable.

And though award prices vary by airline, there are several sweet spots. And 40,000 Alaska Airlines miles is enough to get you started on a fantastic trip in coach or business class, depending where you want to go.

Perks: You’ll get your first bag checked for free for you and up to six traveling companions. And each year you’re a card member, you’ll get a companion fare that starts at $99 plus taxes and fees (starting at $22) that’s valid on all Alaska Airlines flights with no blackout dates.

Are the Alaska Airlines Cards Worth the Annual Fee? The fee on both cards is $75 annually, and if you check bags or use the companion fare ticket, then yes, it’s absolutely worth keeping! Also if you fly Alaska Airlines a lot, you’ll earn 3x miles when you pay with your card. 

Alaska Airlines Cards Bottom Line: These cards are pretty much the same, except one’s a personal card and the other is for small businesses. Remember, Bank of America’s small business cards won’t count toward your Chase 5/24 status (personal cards will), so if that’s a concern and you qualify, I’d go for the small business card first. 

Apply Here: Alaska Airlines Visa Signature® credit card

Apply Here: Alaska Airlines Visa® Business credit card

Best Premium Travel Credit Card: The Platinum Card® from American Express

Apply Here: The Platinum Card® from American Express

Read our review of the American Express Platinum

With The Platinum Card® from American Express, you can earn 60,000 Amex Membership Rewards points after spending $5,000 on purchases within the first three months of opening your account.

With the Amex Platinum, you’ll earn:

  • 5 Amex Membership Rewards points per dollar spent on airfare (booked either directly with the airline or through Amex Travel)
  • 5 Amex Membership Rewards points per dollar spent on prepaid hotels booked on Amex Travel
  • 1 Amex Membership Rewards point per dollar on everything else

The card has a $550 annual fee, which is not waived (See rates & fees). But if you actually use the perks and credits, you’ll easily come out ahead. For example:

The $200 airline fee credit, Saks Fifth Avenue credits and Uber credits all reset. And you can use the Global Entry or TSA PreCheck credit every four years.

Another benefit that makes the American Express Platinum card worth it is the exceptional airport lounge access you get with the card. With this card (or the business version of it) you’ll be able to access more airport lounges than what any other card can get you into. And you’ll be able to use Amex’s Centurion airport lounges, which are some of the best airport lounges because of their meals and buffets, premium alcoholic beverages, showers, conference spaces and fast Wi-Fi.

Airports are loud and the food is overpriced. Instead, use your Amex Platinum card for complimentary access to comfortable exclusive spaces with food and drinks:

  • Airspace lounges for you and up to two guests or immediate family
  • Amex Centurion lounges for you and up to two guests
  • Amex International Lounges
  • Escape lounges for you and up to two guests
  • Delta SkyClub lounges (when traveling with Delta)
  • Priority Pass lounges for you and up to two guests

If you want to check and see what lounges you could be visiting at your home airport or favorite airport, check out this post on how to find Amex Platinum airport lounges.

Apply here: The Platinum Card® from American Express

Best Southwest Airlines Bonus (Worth $900): Southwest Rapid Rewards Premier Business Credit Card

Read our full Southwest Business Card review

The Official Offer: Earn 60,000 Southwest points after spending $3,000 on purchases in the first three months of account opening.

This is the highest welcome bonus we’ve seen on the card.

And 60,000 Southwest points means what exactly?

~$900! Because in our experience booking flights, 1 Southwest point generally converts to ~1.5 cents.

Two amazing things about Southwest points:

1. No blackout dates or funny business. If the flight still has seats for sale, you can book it with points.

2. We consider the Southwest Companion Pass to be the best deal in domestic travel. Your designated travel companion flies free with you on all your Southwest flights. These 60,000 points will get you over half-way to the 110,000 Southwest Companion Pass qualifying points you need to earn in one calendar year to get the pass.

Southwest has other great perks:

  • You get two free checked bags on every flight
  • You do NOT pay change or cancel fees on paid or award flights
Bahamas cruise, looking to the beautiful ocean
Because Southwest has no blackout dates, it’s easy to redeem points for flights! Here I am on a Caribbean cruise. Southwest flies all over the US, plus hot spots like the Bahamas, Cancun, Punta Cana, Jamaica, Grand Cayman Island, Los Cabos, Aruba, Costa Rica and more! (Photo by Scott Lieberman/Million Mile Secrets)

Ongoing Earning Potential:

  • 2 Southwest points per dollar on Southwest purchases and Rapid Rewards hotel and car rental partner purchases
  • 1 Southwest point per dollar on everything else
  • 6,000 Southwest points after your card member anniversary (That can be enough to fly from the Los Angeles area to Las Vegas, San Francisco or Portland whenever Southwest has one of its frequent fare sales)

Lost Luggage Reimbursement: If you or your immediate family members’ checked or carry-on bags are damaged or lost, you’re covered up to $3,000 per passenger when you pay with the card. Now that’s peace of mind.

Extended Warranty Protection: Extends the time period of the US manufacturer’s warranty by an additional year, on eligible warranties of three years or less. I love earning points for a purchase AND having the warranty extended.

Baggage Delay Insurance: Reimburses you for essential purchases like toiletries and clothing for baggage delays over six hours up to $100 a day for three days.

Purchase Protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

Free Cards for Employees: You’ll earn points for purchases they make on the cards.

No Foreign Transaction Fee: Hooray! So when you fly Southwest to the Caribbean, you can bring your card and use it with none of those tacky fees that some cards add.

Do you qualify for the Southwest Rapid Rewards Premier Business Credit Card? Yes, if you have a for-profit business. It can be a small business of just you! You’d just mark down sole proprietor on the application and use your social security number. Folks on our team have been approved this way for eBay reselling businesses, renting out a home as a vacation rental and so on.

But if you’re in one of these next two categories … sadness … you’re not eligible:

1. You have opened five or more new credit cards from any bank within the past 24 months. But this does NOT count small business cards from American Express, Bank of America, Chase, Citi and Wells Fargo.

2. You already have the Southwest Rapid Rewards Premier Business Credit Card OR have earned the welcome bonus in the past 24 months.

Is the Southwest Premier Business Card Worth the Annual Fee? Yes. The $99 annual fee is more than fair for $900 worth of flights! Plus you get all the perks listed above. And the bonus points on your card anniversary can help to offset the annual fee.

Southwest Premier Business Card Bottom Line: We recommend this credit card for anyone who flies on Southwest. And it’s an especially awesome card for those of you who travel with a partner because of the opportunity to earn the lucrative Companion Pass!

For a long time I resisted flying on Southwest because I thought it’d be a bad experience. I was wrong! I’ve flown Southwest to Cancun and a few times in the US so far and it’s all been pleasant.

Apply here: Southwest Rapid Rewards Premier Business Credit Card

Bottom Line

Our favorite credit card offers for this month are:

Your turn to comment… let us know which credit card is best!

For the latest tips and tricks on traveling big without spending a fortune, please subscribe to the Million Mile Secrets daily email newsletter.

For rates and fees of the Amex Platinum Card, click here.

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

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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i didn’t where to post this but did you remove your RSS feed from your website? I noticed that it stopped after 4/12. is there another link to get your posts via RSS? Thanks

Chase World of Hyatt is the worse credit card… The interest is extremely high even when I pay more than the minimum and pay every other day before the due date! I stopped using the card a year ago. The more I pay, the more I am charged interest..It’s ridiculous! I am so anxious to get rid of this card that I have scheduled daily auto payments! My other major credit cards are far less interest rate than Chase World of Hyatt!

My husband recently applied for an got approved for an Ink preferred card. About two weeks later, he applied for the personal CSR. He was asked to call in and underwent a half hour interview about his expenses, balances and business, until he was ultimately denied for the CSR due to in essence that he was recently approved for another card. I thought business cards don’t impact personal cards? How long should we wait between applying for personal cards after receiving business cards ?

I was so intrigued by the cell phone coverage Chase offers that I was going to cancel my $25 per month T-Mobile charges me. But then I read the fine print from Chase and apparently that coverage doesn’t apply to leased phones. Please correct me if I’m wrong, but if that is the case, I think that many of us nowadays lease our phones and that caveat should be mentioned in your articles.

I just applied for a Marriott Rewards card, which application was instantly rejected by Chase “because you already have an American Express SPG card.”
Subsequent discussion with Chase suggested this would have violated Marriott’s policy of earning more than one signup bonus within a 2 year period.
Is this conflict – no Chase Marriott Visa because you already hold an American Express SPG – a known issue?
Thanks,
Walt

Same thing happened to my wife and I

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