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The best travel credit cards of January 2020

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The best travel credit cards of January 2020

Meghan HunterThe best travel credit cards of January 2020Million Mile Secrets Team

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The best travel credit cards can earn thousands of dollars worth of luxury flights and hotels or put cash in your pocket. Here at Million Mile Secrets, we constantly track down the best credit card rewards, reveal the real deals and toss away the junk. We even tell you which credit cards we use. Here are our top picks:

Best travel credit cards:

Comparing travel credit card offers

Credit CardIntro bonus offerAnnual fee
Capital One® Venture® Rewards Credit Card50,000 bonus miles after you spend $3,000 on purchases within the first 3 months from account opening$95, waived the first year
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.$550 (see rates & fees)
Chase Sapphire Preferred® Card60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening$95
Capital One® Spark® Miles for Business50,000 miles after $4,500 on purchases within the first 3 months from account opening$95, waived the first year
American Express®️ Green Card30,000 Membership Rewards® points after spending $2,000 on purchases on the Card in the first 3 months.Terms apply.$150 annual fee (see rates & fees) 
Southwest Rapid Rewards® Performance Business Credit Card 70,000 Southwest points after you spend $5,000 on purchases in the first three months of account opening$199
CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
$99, waived the first 12 months
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 account$50 for the company and $25 per card
Marriott Bonvoy Brilliant™ American Express® CardEarn 75,000 bonus Marriott Bonvoy points after spending $3,000 on purchases in the first 3 months. Terms Apply.$450 (see rates & fees)
Hilton Honors Aspire Card from American Express150,000 Hilton points after spending $4,000 on purchases within the first 3 months of account opening. Terms Apply.$450 (see rates & fees)
American Express® Gold Card35,000 Amex Membership Rewards® points after spending $4,000 in purchases in the first 3 months of account opening. Terms Apply$250 annual fee (see rates & fees) 
(Photo by Jacob Lund/Shutterstock.)

Capital One® Venture® Rewards Credit Card

Best for simple travel rewards

Current bonus

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

Insider tip

This is a great travel credit card. The miles are easy to use and I love that it reimburses you with a statement credit for Global Entry or TSA PreCheck. I’ve saved so much time at airports with this perk.

Cards that offer to reimburse Global Entry or TSA PreCheck application fees usually have higher annual fees (often between $450 and $550).

Benefits and perks

In addition to the card’s valuable welcome bonus, you’ll get:

  • 2 Venture miles per $1 you spend on all purchases
  • Statement credit for Global Entry or TSA PreCheck (up to $100)
  • No foreign transaction fees

The card also comes with Visa Signature benefits, including:

  • Rental car insurance: Secondary protection for damage from 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 line, etc.

Being able to earn 2 Venture miles on every purchase is pretty great, especially because you don’t have to worry about tracking bonus categories — everything is simple and straightforward.

You’ll find a rundown of the Venture card’s benefits and perks here.

Annual fee

This card has a $95 annual fee, waived the first year.

Why it’s worth it

The card has a straightforward rewards program, which means the miles are easy to redeem. All you have to do is pay for travel expenses (such as airfare, hotel stays and parking) with your credit card. Then log in to your account and erase the charge by redeeming your milesCapital One Venture is perhaps the best credit card for points that you can use for nearly anything related to travel. Check out this post with outside-the-box ways to redeem Venture miles, like Costco travel packages.

Total value

Capital One Venture miles are worth 1 cent each, so the 50,000-mile welcome bonus is worth $500 in travel. And again, as with the Spark Miles Business, your miles could be worth even more if you transfer them to a Capital One transfer partner. Here’s our full Capital One Venture Rewards credit card review.

The Platinum Card® from American Express

Best premium travel credit card

Current bonus

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

Insider tip

With the Amex Platinum card, you’ll get exceptional airport lounge access, including access to Amex Centurion Lounges which are some of the best airport lounges because of their meals, buffets, premium alcoholic beverages, showers, conference spaces and fast Wi-Fi.

Benefits and perks

The Amex Platinum card comes with a host of benefits, including an annual airline incidental fee credit of up to $200 on your selected airline; up to $200 in Uber credits per year and up to $100 in credit for Saks Fifth Avenue per year. Those credits can really add up!

Annual fee

The card has a $550 annual fee, which is not waived the first year (See rates and fees).

Why it’s worth it

If you use the perks and credits, you’ll easily come out ahead.

Total value

The Amex Travel Portal lets you redeem your points for airfare at a rate of 1 cent per point. So the welcome bonus is worth at least $600, and potentially much more if you transfer it to one of the Amex transfer partners. That’s not even taking into account the value you’ll get from the card’s benefits and perks. Here’s our full review of the American Express Platinum.

Chase Sapphire Preferred

Best overall value

Insider tip

You can get a ton of value from your Chase Ultimate Rewards points by transferring them to a Chase transfer partner.

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

  • Singapore Airlines (This is how to 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. I don’t fly on United Airlines; I use its partners instead)
  • 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 Ultimate Rewards points transfer to these hotel programs:

  • Hyatt (The best use of your Chase Ultimate Rewards points. It is how I stayed at the Hyatt Zilara all-inclusive hotel on the beach for $0 per night instead of $500 per night. I was happy sipping margaritas in the pool overlooking the ocean)
  • Marriott
  • IHG (They have brands you know like InterContinental, Crowne Plaza, Staybridge Suites and Holiday Inn)

Benefits and perks

With the Chase Sapphire Preferred you’ll earn:

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

What’s great is that lots of purchases count as travel, like car rentals, toll bridges, parking lots, Amtrak, taxis and more. And lots of people spend a decent amount on dining out, especially come vacation time.

Here’s more about the Chase Sapphire Preferred card’s benefits and perks.

Annual fee

$95

Why it’s worth it

The Chase Sapphire Preferred is one of the top cards we recommend for beginners in the miles-and-points hobby. I’ve had this card for many years and I take it on all my trips. When you subtract the $95 annual fee from the value of the welcome bonus and the card’s benefits and perks, the card’s value is pretty clear. (If you decide to cancel after a year or so, it’s seriously hassle-free.)

You can read our full review of the Chase Sapphire Preferred Card here.

Total value

When you earn the welcome bonus, that’s $600 cash or $750 in travel when you book through the Chase Travel Portal or over $1,000 in award travel when you transfer your points to travel partners.

American Express® Green Card

Best for earning Amex Membership Rewards on general travel purchases

Current bonus

Earn 30,000 Membership Rewards points after you spend $2,000 on purchases on your new Amex Green Card in your first three months.

Insider tip

The new Amex Green Card has some unique benefits that can save you time and money with a solid 3x Amex Membership Rewards points on both travel and worldwide restaurant purchases — two popular spending categories.

Benefits and perks

Cardholders will get yearly statement credits of up to $100 when using the Amex Green Card to pay for a CLEAR membership, plus up to $100 in LoungeBuddy statement credits per year.

Annual fee

$150 (see rates and fees)

Why it’s worth it

The card does carry an annual fee of $150, but if you’re able to take advantage of the card’s benefits throughout the year, you can easily come out ahead.  You can see our full guide of who should (or shouldn’t) get the Amex Green Card.

Total value

Given that Amex Membership Rewards points are worth 1 cent apiece through the Amex Travel Portal, the welcome bonus alone is worth at least $300. You can read our full review of the Amex Green Card here.

The Amex Green Card is a great choice for travel purchases like hotels and subways. (Photo by Wyatt Smith/The Points Guy.)

Southwest Rapid Rewards® Performance Business Credit Card

Best for award flights with no blackout dates

Current bonus

You’ll earn 70,000 Southwest Rapid Rewards points after you spend $5,000 on purchases in the first three months from account opening.

Insider tip

This card comes with a neat perk, especially for those who travel a lot for work. Cardholders will get inflight Wi-Fi credits in the form of credit card statement credits for Wi-Fi purchases with your card on Southwest flights. You’ll get up to 365 $8 credits each year, which can be worth hundreds of dollars.

Benefits and perks

This is the best Southwest card for earning points because you’ll get triple points on Southwest purchases and Rapid Rewards hotel and car rental partners; 2x points on social media and search advertising purchases and internet, cable and phone service purchases; and 1x Southwest points on all other purchases. In addition, you’ll get 9,000 bonus Southwest points every cardmember account anniversary (worth ~$135 in Southwest flights). You can read more about the Southwest Performance Business card’s benefits here.

Annual fee

This card has a $199 annual fee.

Why it’s worth it

Using Southwest points is incredibly easy. There’s no Southwest award chart; instead, if there’s a seat for sale, you can book it with points. The price of an award flight is tied to the cost of a paid ticket, so if there’s a Southwest fare sale, you’ll need fewer points.

This card is also loaded with perks like four upgraded boardings per year (when available), up to 365 $8 Wi-Fi credits per year, Global Entry or TSA PreCheck application-fee credit (worth up to $100), and 1,500 tier-qualifying points after every $10,000 in purchases (on up to $100,000 in purchases every cardmember year).

Read our Southwest Performance Business credit card review here.

Total value

Southwest point’s value is about 1.5 cents each for flights (based on our valuations), so this bonus is worth around $1,050 in Southwest airfare — and potentially almost double that amount if you have the Southwest Companion Pass. The good news is that this bonus counts toward earning a Companion Pass.

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

Best for frequent American Airlines flyers

Current bonus

Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.

Benefits and perks

Up to four travel companions get a free checked bag on the same reservation on domestic American Airlines flights. That can be a huge money-saver for families or groups traveling together. Plus, you’ll get preferred boarding on American Airlines flights. Here’s a full review of the benefits and perks of the CitiBusiness American Airlines Platinum card.

Annual fee

$99 (waived the first 12 months)

Why it’s worth it

If you fly on American Airlines frequently, you’d probably make up the annual fee in checked bag savings alone. Regardless, it’s certainly worth it in year one.

Total value

Like many other credit cards that earn airline miles, the value you’ll get from the welcome bonus depends on how you use it. It’s easy to get hundreds of dollars of value from the 65,000-mile offer on this card. That’s because, for example, 65,000 American Airlines miles is more than enough for a round-trip award flight in coach to Hawaii or two round-trip coach award flights within the continental U.S.

Here’s our full review of the CitiBusiness AAdvantage card.

Alaska Airlines Visa® Business credit card

Best for West Coast travelers

Current bonus

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 Business credit card

The Companion Fare alone can save you hundreds of dollars.

Insider tip

Remember, Bank of America’s small-business cards won’t count toward your Chase 5/24 status (personal cards do count).

Benefits and perks

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

Although 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 on where you want to go. Here’s more about the Alaska Airlines business card’s benefits and perks.

Annual fee

$75

Why it’s worth it

If you check bags or use the Companion Fare ticket, then it’s absolutely worth it. Also, if you fly Alaska Airlines frequently, you’ll earn 3x miles when you pay with your card. 

Total value

The value of the card depends on how you use your miles and card benefits. But even if you just consider the value of the card’s Companion Pass, you’ll come out ahead.

For example, a ticket from the East Coast to Hawaii with a stopover on the West Coast can easily cost over $800. With the Alaska Airlines business credit card companion fare, you can fly a second passenger for just $121 ($99 fare, plus taxes and fees from $22). That could mean a total savings of $700.

Here’s our Alaska Airlines Visa® Business credit card review.

Marriott Bonvoy Brilliant™ American Express® Card

Best for Marriott hotels

Current bonus

The Marriott Bonvoy Brilliant™ American Express® Card comes with 75,000 Marriott points after you spend $3,000 on purchases in the first three months of account opening.

Insider tip

This American Express card gets you access to the Amex Offers discounts program. Log into your online account and click the offers you want. I’ve saved $100s at restaurants, retail stores, hotels and more.

The card also offers Priority Pass Select airport lounge membership (you can bring up to two guests) and Global Entry or TSA PreCheck credit (a value of up to $100) every four years. These are musts for frequent travelers.

Benefits and perks

The top perks from this card include an annual statement credit (up to $300) to use each membership year at participating Marriott hotels (including room charges) and an annual free night (at participating Marriott hotels worth up to 50,000 points) after you renew your card. For a full rundown, check out our guide to the Marriott Bonvoy Brilliant card’s benefits and perks.

Annual fee

The card has a $450 annual fee (see rates and fees).

Why it’s worth it

The annual fee is high, but the additional money-saving perks can make it worth the cost, depending on your situation. The annual free-night award is particularly valuable because it’s valid at hotels that cost up to 50,000 Marriott points per night.

Total value

The value you’ll get depends on how you use your points. For example, the 75,000 Marriott bonus points are more than enough for a night at a luxury Category 7 Marriott hotel (60,000 points per night), including The Ritz-Carlton, Aruba, where rooms can easily cost more than $650 per night. You can also stretch your points and use the bonus for three nights at a Category 4 hotel (25,000 points per night), like the Four Points by Sheraton Auckland in New Zealand. Here’s our full review of the Marriott Bonvoy Brilliant Amex.

The Hilton Honors American Express Aspire Card

Best for Hilton hotels

Current bonus

The Amex Hilton Aspire comes with 150,000 Hilton points after you spend $4,000 on purchases in your first three months of account opening.

Insider tip

With the Priority Pass Select membership that comes with the card, you have access to 1,200+ airport lounges. Airport lounges will change your travel life. Complimentary Wi-Fi, snacks and beverages with comfortable seating are wonderful.

Benefits and perks

There’s a reason this card is so great for Hilton stays — you’ll earn a whopping 14 Hilton points per $1 spent at participating Hilton hotels. You’ll also get excellent benefits like an annual weekend-night award (at participating Hilton hotels) and automatic Diamond Elite status (100% bonus points on paid stays, upgrades to a suite when available, executive hotel lounge access, etc.).

In addition to those perks, you’ll get an up to $250 Hilton resort credit each card-member year and up to $250 airline fee credit with your selected airline each calendar year, both of which will save you money.

For a full list of perks, check out our Amex Hilton Aspire benefits guide.

Annual fee

This card has a $450 annual fee (See rates and fees).

Why it’s worth it

Like other premium cards on this list, the annual fee is hefty. But it’s a good deal if you can make the most of the card’s perks. Plus, you’ll earn a second free-weekend-night award at participating Hilton hotels each calendar year if you spend $60,000+ in eligible purchases on your card.

Total value

Depending on how you use the points, you can get $750 to $900 worth of hotel stays from the bonus alone. Hilton doesn’t have an official award chart but you can book a free night for 5,000 to 95,000 Hilton points. Here’s our review of the Hilton Aspire.

AMEX Hilton Aspire $250 Resort Credit
Take advantage of the Amex Hilton Aspire’s $250 resort credit at a spot like the Hilton Waikoloa Village. (Photo by 

American Express® Gold Card

Best for restaurant purchases

Current bonus

The American Express® Gold Card has a welcome bonus of 35,000 Amex Membership Rewards points when you spend $4,000 on purchases in the first three months of account opening.

Insider tip

The best feature of this card is that it earns 4 Amex Membership Rewards points per dollar at restaurants and 4 Amex Membership Rewards points per dollar at U.S. supermarkets, on up to $25,000 per calendar year in purchases (then 1X). That’s an incredible earning rate for such popular spending categories.

Benefits and perks

With the Amex Gold card, you’ll get benefits and perks like up to $120 dining credit ($10 monthly) each year at participating restaurants (enrollment required) and up to $100 airline incidental fee credit each calendar year on your selected airline.

Annual fee

There’s a $250 annual fee (see rates and fees), but the credits you’ll earn will help offset most of that cost.

Why it’s worth it

Although the annual fee is a bit high, it’s easy to see that if you can make the most of the card’s credits you can offset most of that cost.

Total value

Given that Amex Membership Rewards points are worth 1 cent apiece through the Amex Travel Portal, the welcome bonus alone is worth at least $350. Plus, the $250 annual fee is quickly covered when you eat out and shop for groceries in the U.S. and account for the value of the statement credits you can earn.

How we select the best travel credit card

You know how you get credit card offers in the mail and throw them away? Not us. We open all of them, then run to get the magnifying glass and read the fine print. 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 introductory 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.

We examine the details.

Bonus offers: 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 open a new card. Some bonuses are very appealing; others are not. We sort it all out for you.

Minimum spending requirements:  Here’s the catch: To earn the introductory 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 people like you get to travel first class, stay in amazing hotels or earn lots of cash using our insider tips. For example, MMS reader Lori is an English teacher who took trip to Asia worth more than $30,000 for only $500. Like me, she’s a big fan of the Chase Sapphire Preferred Card. 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.

What are the advantages of a travel credit card?

The advantages of holding a credit card that earns travel rewards cannot be understated. With the right cards, you and your loved ones can be on your way to experiencing things you never thought possible. Whether you want to plan a once-in-a-lifetime trip to the other side of the world or just simply want to visit your grandmother for the holidays, travel rewards cards can get you there.

What types of travel credit cards are there?

If you’ve been reading Million Mile Secrets for a while now, you’re well aware that there are a variety of travel credit cards. The good news is that means there’s certainly one that’ll be a good fit for you. Here are the main types of rewards you can earn…

Miles and points

Miles and points are the bread and butter of credit cards rewards and you can earn them with the best airline credit cards and the top hotel credit cards. Each airline or hotel chain has its own miles or points. The usefulness and value of those rewards varies wildly depending on how the program prices awards and how easy the rewards are to use. You also cannot move rewards between competing programs, so once you’ve earned American Airlines miles you can’t move those miles to a different airline program and you cannot move hotel points between separate hotel programs.

Transferable points

Most transferrable points are created and issued by banks and many of the top Chase credit cards, American Express credit cards and Citibank credit cards earn these flexible points. These are the most valuable type of credit cards rewards you can earn because of the flexibility they give you. These points can be transferred to airlines and hotels that the bank partners with. For example, if you have Chase’s flexible Ultimate Rewards points you can transfer them to United Airlines, Hyatt, Singapore Airlines and many others. That’s powerful because you won’t be locked into a single loyalty program’s rules, locations or flight schedule.

Cash back

Cash-back credit cards earn the simplest form of rewards. There is never any question as to the value of what you’re getting back for your spending. And you never have to wonder whether or not you’ll be able to redeem your rewards for the exact hotel, flight or dates you want to travel. Even better than that, you can literally use cash back for whatever you want. You could even add it to your savings or retirement account if you’d like.

Fixed value points or miles

Fixed value points or miles are similar to cash back, but can generally only be redeemed for travel purchases or are most valuable when you use them for travel expenses. A good example of this type of reward is the US Bank Altitude Reserve Visa Infinite Card. The points you earn with this card can be redeemed to offset eligible travel expenses at a rate of 1.5 cents per point, but those same points are only worth one cent each if you redeem them for a statement credit. This can be the most restrictive type of reward and unless you’re earning a big bonus or getting a card with valuable perks or spending bonuses, you’ll be better off just earning cash back.

Travel rewards credit cards FAQ

How much is a mile or point worth?

Some miles and points have a fixed value or at least a fixed value for certain redemptions. For example, you can redeem Capital One miles for one cent a piece toward eligible travel purchases. But you can also transfer Capital One miles to a bunch of different airline partners, this is where the value of your rewards gets murky. You can look at it two ways, what would you have paid for the same travel? Or, what was the travel you booked with points worth?

Let’s say you use 20,000 Delta miles to book a visit home when you would normally pay $350 for the same trip. Since you are saving $350 you could say those miles are worth 1.75 cents each. But what if you like to save your points and use them for expensive business or first-class flights you wouldn’t otherwise be willing to purchase? If you do this the value of your points goes up exponentially. For example, you can use 50,000 Alaska Airlines miles to book a one-way Cathay Pacific business-class award from the U.S. to Hong Kong. Paying cash for this same flight could easily set you back $4,000, so the value you’re getting per point is eight cents, even though you’re not necessarily saving that much.

Is it worth it to pay annual fees?

Annual fees can be scary when you’re first starting out, especially when they can top $400 for certain premium cards, but they can absolutely be worth paying. If you’re just starting out it makes perfect sense to start by opening a credit card with low or no annual fee. But eventually you’ll want to earn bigger bonuses or take advantage of better card perks and in that case, just be sure the annual fee is worth paying.

For example, the Chase Sapphire Reserve has an annual fee of $550 and a intro bonus of 50,000 Chase points after spending $4,000 on purchases in the first three months, while the Sapphire Preferred has only a $95 annual fee and a bigger bonus of 60,000 Chase points (to earn either bonus you’ll need to meet that individual card’s spending requirement). So the Sapphire Preferred is the no-brainer correct choice, right? Not exactly, the Sapphire Reserve comes with up to $300 in annual travel credits, which are easy to earn because they apply to a wide range of travel purchases. That effectively knocks your out-of-pocket costs down to $250. In addition, the Reserve card earns 3x points on travel and dining (only 2x for the Preferred), gets you unlimited Priority Pass airport lounge access (with up to two guests) and makes all your Chase points worth 1.5 cents each toward travel booked through the Chase travel portal (compared to 1.25 cents per point for the same redemptions with the Preferred). For many people those extra perks are worth paying $155 more per year.

Summary of the best travel credit cards:

Your turn to comment … let us know which credit card you like best. Here’s a recap of our picks:

For rates and fees of the American Express® Green Card, please click here.
For rates and fees of the Amex Platinum Card, click here.
For the rates and fees of the Marriott Bonvoy Brilliant™ American Express® Card, please click here
For rates and fees of the Hilton Honors Aspire Card from American Express, please click here.
For rates and fees of the American Express® Gold Card, please 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®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • 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 delivery fees for a minimum of one year on qualifying food purchases with a DashPass subscription from DoorDash -over a $100 value. Activate with your Chase Sapphire card by December 31, 2021.
  • Earn 5X points on Lyft rides through March 2022. That’s 3X points in addition to the 2X points you already earn on travel.

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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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 ?

Merry Christmas everyone God bless you all regards Ritz adams

credit cards do help
thank you for the post

I have the Sapphire Preferred for a few years now and love it. I kinda want the Sapphire RESERVED. Do I need to cancel my Sapphire in order to get the Reserved? We do travel yearly!

Thanks for the question, ree! You can ask Chase to upgrade your Chase Sapphire Preferred to the Chase Sapphire Reserve.

We have the Chase Sapphire Reserve for our household, which was an upgrade from the Preferred card. We do not regret getting the CSR. We have already scored four r/t tickets to Japan on the Chase Ultimate Rewards points alone, and with all other real (= fully usable) travel perks that come with it, including but not limited to airport lounge access, the CSR will likely remain our primary card for some time to come.

Thanks! Here’s a quick ? on United Club card: do you get preferred access to reward flights on their website, above what you’d get with the United Explorer card?

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