My Top Credit Card Picks
In the world of points and miles, one of the easiest ways to boost your points earnings is by maximizing your current spending with credit card welcome bonus offers.
On this page, you’ll find my current favorite welcome offers including those that are elevated for a limited time.
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Capital One Travel Credit Cards
Capital One Venture Rewards Credit Card
NEW! Welcome Bonus Offer: $250 to use on Capital One Travel in your first cardholder year plus earn 75,000 bonus miles. Once you spend $4,000 in the first 3 months on purchases within the first 3 months from account opening
Annual Fee: $95
Capital One Venture X Rewards Credit Card
Welcome Bonus Offer: Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening.
Annual Fee: $395
The Capital One Venture Rewards Credit Card and the Capital One Venture X Rewards Credit Card have the same welcome bonus so what differentiates them are the benefits and the annual fee.
Earnings Rates: Both earn 2x miles on all purchases making it a solid earner and great for those who don’t want to worry about many bonus categories (like my husband lol).
They also earn 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Travel. The Venture X earns 10X miles on hotels and rental cars booked through Capital One Travel.
As far as benefits, both offer up to $120 Credit for Global Entry or TSA PreCheck.
Although Venture X has a $395 annual fee, this is easily offset by the $300 travel credit to be used through Capital One Travel.
I also love that the Venture X offers unlimited access to the Capital One Lounge and 1,300+ Priority Pass lounges worldwide.
You can hold both cards at the same time as they don’t have the same “card family” rules as the Chase Sapphire credit cards.
Chase Travel Credit Cards
Remember, Chase has the 5/24 rule so before you apply make sure you know your status.
Chase Ink Business Unlimited® Credit Card (Referral Link)
Welcome Bonus Offer: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Annual Fee: $0
This is a business credit card, but even the smallest side hustles are eligible to apply. Click here to find out more here.
Earning Rates: This credit card has no annual fee and unlimited 1.5% cash back on every purchase.
The Ink Business Unlimited® Credit Card is a no-brainer for the no annual fee and earnings rate alone, but the welcome bonus offer puts it over the top.
What’s great about the $750 bonus cash back is that it will deposited into your account as 75,000 Chase Ultimate Rewards® points.
Chase Ultimate Rewards® points can be combined with credit cards like the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, or the Ink Business Preferred® Credit Card and transferred to travel partners or redeemed through Chase Travel℠.
Important: We do not know how long this welcome bonus offer will be available. So if you’re ready for a new credit card, this could be the time!
All information about the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, Ink Business Unlimited® Credit Card, Ink Business Cash® Credit Card, and Ink Business Preferred® Credit Card has been collected independently by Traveling Franklins.
Chase Ink Business Cash® Credit Card (Referral Link)
Welcome Bonus Offer: Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
$750 could actually be 75,000 Chase Ultimate Rewards® points
Annual Fee: $0
This is a business credit card, but even the smallest of side hustles are eligible to apply. Click here to find out more here.
Earning Rates: 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year.
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
Earn 1% cash back on all other purchases, with no limit on how much you can earn
The Ink Business Cash® Credit Card comes with a signup bonus marketed as “cash back”.
What’s great about the bonus cash back is that it will deposited into your account as Chase Ultimate Rewards® points.
Chase Ultimate Rewards® points can be combined with credit cards like the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, or the Ink Business Preferred® Credit Card and transferred to travel partners or redeemed through Chase Travel℠.
The bonus is not technically elevated as the previous standard offer was $750 bonus cash back or 75,000 Chase Ultimate Rewards® points.
However, you do get 6 months to achieve the full bonus as opposed to only 3 months so this is an intriguing offer if you need more time to meet the minimum spend.
But if meeting the minimum spend is no problem, then consider going for the Ink Business Unlimited® Credit Card.
Chase Sapphire Preferred® Card (Referral Link)
Welcome Bonus Offer: Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening.
That’s worth $750 when redeemed through Chase Travel℠.
When transferred to travel partners, 60,000 bonus points could be worth more than $750.
Annual fee: $95
The annual fee is $95 but is easily offset for the first year (at minimum) with the welcome bonus and travel benefits.
Earning Rates: 5X points on travel purchased through Chase Travel℠, 3X points on dining, and 2X points on all other travel purchases, plus more.
Chase Sapphire Preferred® Card is our top pick for anyone getting into points and miles.
It was my first ever travel rewards credit card and it’s been a long-term keeper for us.
If you LOVE Hyatt (Chase)
The World of Hyatt Business Credit Card
Welcome Bonus Offer: 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.
Plus, 1 free night at any category 1-4 Hyatt hotel after spending $15,000 on purchases within the first 6 months of account opening
Earning Rates: Up to 9 points total per $1 spent at Hyatt – 4 Bonus Points per $1 on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member.
2 Bonus Points per $1 spent in your top three spend categories each quarter.
2X Fitness clubs and gym memberships.
Annual Fee: $199
World of Hyatt is our top pick for hotel loyalty programs because of their amazing redemption value and quality of experience. And since Chase Ultimate Rewards® points is the only program that transfers to Hyatt, this could pair well if you are a frequent Hyatt loyalist.
The World of Hyatt Business Credit Card, but even the smallest of side hustles are eligible to apply. Click here to find out more here.
If you’re not a Hyatt loyalist, you will probably be better off with the Ink business cards.
For the same amount of spend, you can earn Chase Ultimate Rewards which gives you the benefit of flexibility rather than having your points tied to Hyatt.
Especially once you consider you’ll still need to be under 5/24 to be eligible for this card.
There is a World of Hyatt personal credit card, the current offer is to earn up to 65,000 Bonus Points. Earn 35,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening.
Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
Remember, I caution against free night certificates because they are much more restricted than points, but if you plan to use them before they expire, go for it!
All information about The World of Hyatt Business Credit Card and World of Hyatt Credit Card has been collected independently by Traveling Franklins.
Note: I don’t receive a commission if you apply for the World of Hyatt credit cards, but I still think they are a great option so I still include them on this page.
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