OMAAT Top Credit Card Picks
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Business Card Perks
The Business Platinum Card® from American Express
Earn 150,000 Membership Rewards® points
Business Card Perks
- Earn 1.5x on purchases of $5,000 or more in a single transaction on up to $2MM per calendar year
- Redeem Points For Over 1.5 Cents Each Towards Airfare
- Amex Centurion Lounge Access
In general, I would say that the Amex Business Platinum Card is a business card that you get in the long run for the benefits that it offers, rather than for the return on spending that it directly offers.
It could make sense to spend money on the card if your business consistently makes $5,000+ purchases, other than that, there are better cards for everyday spending.
The card offers big benefits but also has a steep annual fee.
When it comes to accounting for the value of the card, I recommend considering the following:
- How much do you value the various credits?
- How much do you value the Marriott and Hilton Gold status?
- How much value will you get from Amex Fine Hotels & Resorts and the International Airline Program?
- How much do you value the incredible lounge access perks offered by the card?
5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com
1X points for each dollar you spend on eligible purchases.
Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
Foreign Transaction Fee:
None
Annual Fee:
$695
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that's an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
- $199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
- $695 Annual Fee.
- Terms Apply.
Earn
150,000
Membership Rewards Points
Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
Business
Capital One Venture X Business
Earn 150,000 bonus miles
Business
- Earn 2x miles per dollar on every purchase
- No Foreign Transaction Fees
- 10,000 bonus miles every account anniversary
The Capital One Venture X Business is the best-value premium business card and offers an industry-leading return on spending. While the card has a hefty annual fee, getting an outsized value between the annual travel credit, 10,000 annual bonus points, lounge access, and more is easy.
2 Miles per dollar on every purchase.
5 Miles per dollar on flights and vacation rentals booked through Capital One Travel.
10 Miles per dollar on hotels and rental cars booked through Capital One Travel.
Foreign Transaction Fee:
None
Annual Fee:
$395
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn unlimited 2X miles on every purchase, everywhere-with no limits or category restrictions
- This card has no preset spending limit, so you get purchasing power that adapts to your spending needs. The annual fee on this card is $395
- Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
- Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
- Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Travel, where you'll get the best prices on thousands of options
- Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings through Capital One Travel
- Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and membership to Priority Pass
- This is a pay-in-full card, so your balance is due in full every month
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
Earn
150,000
Capital One miles
Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
Best Bonus
Ink Business Preferred® Credit Card
Earn 90k bonus points
Best Bonus
- Earn 3x points on travel
- Earn 3x points on shipping purchases
- Cell Phone Protection
The Ink Business Preferred Card is the single most well-rounded business credit card out there, in my opinion. The card offers the biggest sign-up bonus of any credit card, it offers incredible 3x points categories for common spending categories for businesses, and it offers amazing protection, ranging from car rental damage to cell phone protection.
While I’d say this card isn’t worth it for someone strictly looking for cash back, otherwise you simply can’t go wrong with this card, in my opinion.
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
Select business categories include:
- Shipping purchases
- Internet, cable and phone services
- Advertising purchases with social media sites and search engines
Learn more from these OMAAT posts:
Foreign Transaction Fee:
$0
Annual Fee:
$95
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Travel℠
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Earn
90,000
Chase Ultimate Rewards
Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Lounge Access
The Platinum Card® from American Express
Earn 80,000 Membership Rewards® Points
Lounge Access
- Earn 5x points on flights purchased directly from airlines or through Amex Travel (up to $500k/year)
- $200 Annual Uber Credit
- Amex Centurion Lounge Access
I love my Amex Platinum Card and find it well worth the annual fee. I think it can definitely be worth getting, though I also do think most people are using this card wrong. This isn’t a card you should be using for all of your credit card spending, but rather it’s a card you should get for the perks that it offers, as well as the 5x points on airfare.
To decide if you should get the card, take the $695 annual fee, subtract how much value you’d get out of the credits, and then consider how much more you value the other perks of the card, including the great lounge access benefit.
For a frequent traveler or anyone who buys international premium cabin tickets with any frequency, I think the card is well worth it.
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
Earn 1x points per dollar spent on all other purchases
Foreign Transaction Fee:
None
Annual Fee:
$695
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
- Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
- $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
- $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
- $200 Uber Cash: Platinum Card® Members can get out and about and explore their local area with $15 in Uber Cash for US rides each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings. Simply download the Uber app and add your Platinum Card® to your Uber account to get started. Available to Basic Card Member only. Effective 11/8/2024, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit.
- $199 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
- Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
- Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
- Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
- $695 annual fee.¤
- Terms Apply.
Earn
80,000
Membership Rewards Points
Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
Free Hotel Night
World of Hyatt Credit Card
Earn up to 60,000 Bonus Points
Free Hotel Night
- Earn 4x Points at Hyatt Properties
- Free Night Every Year
- Complimentary Discoverist Status
The World of Hyatt Credit Card is exceptional. It’s a card I have, and also a card I spend at least $15,000 on per year.
The card is worth having even if you don’t plan on putting spending on it — you get an anniversary free night certificate you can use at a hotel that costs significantly more than the annual fee, you get complimentary Discoverist status, and you get five elite nights towards a higher status tier.
Beyond that it can be worth putting spending on the card, thanks to the unique bonus categories (4x points on Hyatt stays and 2x points on fitness and gyms), as well as the additional elite nights and second free night certificate.
The card is worth holding onto for the anniversary free night certificate and the five elite nights towards status annually, which more than justify the annual fee, not to mention the pathway to elite status based on your spending.
Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
Learn more from these OMAAT posts:
Foreign Transaction Fee:
$0
Annual Fee:
$95
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn up to 60,000 Bonus Points. Earn 30,000 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.
- Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
- Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
- Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
- Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
- Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
- Earn up to 9 points total for Hyatt stays - 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
- Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
- Member FDIC
Earn
up to 60,000
World of Hyatt Points
Earn up to 60,000 Bonus Points. Earn 30,000 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.
Dining
American Express® Gold Card
Earn 60,000 Membership Rewards® points
Dining
- 4x points at restaurants, on up to $50,000 in purchases annually
- 4x points at U.S. supermarkets, on up to $25,000 in purchases annually
- 3x points on flights booked directly with airlines or through amextravel.com
The Amex Gold Card is one of American Express’ best cards for earning points. With 4x points at restaurants (up to $50,000 annually) and 4x points at U.S. supermarkets (up to $25,000 annually), earning Membership Rewards points is easy.
The card also offers some credits that are potentially useful, which for many will help offset the annual fee. The card offers up to a $120 annual dining credit, plus multiple Uber benefits, which I find to be very worthwhile.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Learn more from these OMAAT posts:
Foreign Transaction Fee:
None
Annual Fee:
$325
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year. Effective 11/8/2024, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges with every booking of two nights or more through AmexTravel.com. Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
Earn
60,000
Membership Rewards Points
Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
Airline
Aeroplan® Credit Card
Earn up to 100,000 bonus points
Airline
- 3x points on groceries
- 3x points on dining
- 3x points with Air Canada
The Chase Aeroplan Card is one of the most lucrative airline credit cards we've seen. The card offers a great welcome bonus, an innovative rewards structure, and perks like elite status with Air Canada Aeroplan. This is an airline credit card that's worth picking up, and that could be worth spending money on.
Earn 3X points for each dollar spent at grocery stores, on dining at restaurants, and Air Canada directly.
Earn 1X point for each dollar spent on all other purchases.
Foreign Transaction Fee:
$0
Annual Fee:
$95
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn up to 100,000 bonus points
- Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months your account is open. Plus, 25,000 bonus points after you spend $20,000 on purchases in the first 12 months.
- $95 Annual Fee
- Redeem points for both international and domestic flights with the Aeroplan® Credit Card.
- Fly to another continent and travel the world with the Aeroplan® Credit Card.
- Earn 3X points for each dollar spent at grocery stores, on dining at restaurants, and Air Canada directly. Earn 1X point for each dollar spent on all other purchases.
- 500 bonus points for every $2,000 you spend in a calendar month - up to 1,500 points per month.
- Member FDIC
Earn
up to 100,000
Aeroplan points
Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months your account is open. Plus, 25,000 bonus points after you spend $20,000 on purchases in the first 12 months.
Starter Card
Chase Sapphire Preferred® Card
Earn 60,000 bonus points
Starter Card
- 5x total points on travel purchased through Chase Travel
- 3x points on dining
- 2x points on travel purchases
The Chase Sapphire Preferred has been around for about a decade, and continues to be one of the most well-rounded credit cards for beginners and those looking for travel rewards.
The Chase Sapphire Preferred offers generous rewards on dining and travel, great customer service, and some other useful perks.
Earn 5x on travel purchased through Chase Travel℠
Earn 3x on dining, select streaming services and online groceries
Earn 2x on all other travel purchases
Earn 1x on all other purchases
Learn more from these OMAAT posts:
Foreign Transaction Fee:
$0
Annual Fee:
$95
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
- Member FDIC
Earn
60,000
Chase Ultimate Rewards
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Night Award
Marriott Bonvoy Business® American Express® Card
Earn 3 Free Night Awards
Night Award
- Earn 6x points at Marriott
- Free Night Award Annually
- 15 Elite Nights Towards Status Annually
The Marriott Bonvoy Business Card is a strong contender for a business card to hold on to long term. The 15 elite nights towards status (which can be stacked with a similar offer on a personal card), as well as an annual free night award are a great value proposition. I value those perks at way more than the annual fee.
6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
2x points on all other eligible purchases.
Learn more from these OMAAT posts:
Foreign Transaction Fee:
None
Annual Fee:
$125
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- WELCOME OFFER: Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.
- Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
- 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
- 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
- 2x points on all other eligible purchases.
- Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Marriott Bonvoy Business® American Express® Card.
- Terms apply.
WELCOME OFFER: Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.
United Award Booking
United Club℠ Infinite Card
Limited-time Offer: Earn 90,000 bonus miles
United Award Booking
- Earn 4x miles on United purchases
- United Club℠ Access
- Earn PQPs Towards Status
This card can unlock significant value with the United Club membership alone. When you add in all the other benefits, this card is hard to beat for anyone who travels on United with any frequency.
4x miles on United® purchases
2x miles on all other travel and dining
1x mile on all other purchases
Learn more from these OMAAT posts:
Foreign Transaction Fee:
$0
Annual Fee:
$525
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Limited-time Offer: Earn 90,000 bonus miles
- 4x miles on United® purchases
- 2x miles on all other travel and dining
- 1x mile on all other purchases
- United Club℠ membership - up to $650 value per year
- Free first and second checked bags - a savings of up to $360 per roundtrip (terms apply) - and Premier Access® travel services
- Earn up to 10,000 Premier qualifying points per calendar year (25 PQP for every $500 you spend on purchases)
- Member FDIC
Earn
90,000
United miles
Limited-time Offer: Earn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
Premium Card
Chase Sapphire Reserve®
Earn 60,000 bonus points
Premium Card
- 3x points on Travel after the $300 Annual Travel Credit
- 3x points on Dining
- $300 Travel Credit
The Sapphire Reserve is a staple in any Chase Ultimate Rewards earning portfolio. 3x points on dining and travel + at least a 1.5 cent per point value when you redeem for travel is excellent. The ability to combine points from other Ultimate Rewards earning cards to maximize your return makes this card all that more valuable. Oh, and you can transfer to airline/hotel partners. Sweet.
Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually.
Earn 3x points on other travel and dining
Ear 1 point per $1 spent on all other purchases
Learn more from these OMAAT posts:
Foreign Transaction Fee:
$0
Annual Fee:
$550
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Member FDIC
Earn
60,000
Chase Ultimate Rewards
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Hotel
Marriott Bonvoy Brilliant® American Express® Card
Earn 95,000 Marriott Bonvoy® bonus points
Hotel
- Earn 6x points at Marriott hotels globally
- Complimentary Platinum Elite Status
- Annual Free Night Award
The Bonvoy Brilliant Card is Marriott’s most premium credit card. The card has a hefty annual fee, but offers perks like an up to $300 calendar year dining statement credit, Bonvoy Platinum elite status, and annual free night certificate valid at a property costing up to 85K points, which should more than justify the annual fee.
Add in all the money-saving offers available with Amex Offers, and you should easily come out ahead with this card.
Earn 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®. 3X points at restaurants worldwide and on flights booked directly with airlines. 2X points on all other eligible purchases.
Foreign Transaction Fee:
None
Annual Fee:
$650
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn 95,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
- $300 Brilliant Dining Credit: Each calendar year, get up to $300 (up to $25 per month) in statement credits for eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card at restaurants worldwide.
- With Marriott Bonvoy Platinum Elite status, you can receive room upgrades, including enhanced views or suites, when available at select properties and booked with a Qualifying Rate.
- Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®. Earn 3X Marriott Bonvoy® points at restaurants worldwide and on flights booked directly with airlines and 2X Marriott Bonvoy® points on all other eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card.
- Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- Each calendar year after spending $60,000 on eligible purchases on your Marriott Bonvoy Brilliant® American Express® Card, you will be eligible to select a Brilliant Earned Choice Award benefit. You can only earn one Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
- $100 Marriott Bonvoy Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card.
- Fee Credit for Global Entry or TSA PreCheck®: Receive either a statement credit every 4 years after you apply for Global Entry ($120) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Marriott Bonvoy Brilliant® American Express® Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
- Each calendar year with your Marriott Bonvoy Brilliant® American Express® Card you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express.
- Enroll in Priority Pass™ Select, which offers unlimited airport lounge visits to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.
- No Foreign Transaction Fees on international purchases.
- With Cell Phone Protection, you can be reimbursed, the lesser of, your repair or replacement costs following damage, such as a cracked screen, or theft for a maximum of $800 per claim when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim with a limit of 2 approved claims per 12-month period. Additional terms and conditions apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
- $650 Annual Fee.
- Terms Apply.
Earn
95,000
Marriott points
Earn 95,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
Easy Hotel Status
Hilton Honors American Express Surpass® Card
Limited Time: Earn 165,000 Hilton Honors Bonus Points. Offer ends 1/8/2025.
Easy Hotel Status
- Earn 12x points at Hilton Hotels
- Hilton Honors Gold Status
- Free Night Reward With Spending
The Hilton Honors Surpass Card is an excellent mid-range card that offers a great bonus for new members. On top of that, the Hilton Surpass offers valuable ongoing perks. The card can be worth having for the Gold status alone, and it could also be worth putting $15,000 or $40,000 of spending on per year for the threshold bonuses.
Even if you don’t stay at Hiltons that often, the value of free breakfast and upgrades will add up quickly.
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
Earn 4X Points for each dollar on U.S. Online Retail Purchases.
Earn 3X Points for all other eligible purchases on your Card.
Learn more from these OMAAT posts:
Foreign Transaction Fee:
None
Annual Fee:
$150
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn 165,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership. Offer ends 1/8/2025.
- Get up to $200 back each year on eligible Hilton purchases after you use your Hilton Honors American Express Surpass® Card.
- Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
- Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
- Earn 4X Points for each dollar on U.S. Online Retail Purchases.
- Earn 3X Points for all other eligible purchases on your Card.
- Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
- Enjoy complimentary Hilton Honors ™ Gold Status with your Hilton Honors American Express Surpass® Card.
- Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors™ Diamond Status through the end of the next calendar year.
- Enjoy complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentary Emerald Club® program is required. Terms apply.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- $150 annual fee.
- Terms Apply.
Earn
165,000
Hilton Honors Points
Earn 165,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership. Offer ends 1/8/2025.
Annual Free Night
IHG One Rewards Premier Credit Card
Earn 140,000 Bonus Points
Annual Free Night
- Earn up to 26x at IHG Hotels
- Anniversary Free Night
- IHG Rewards Platinum Status
The IHG Premier Card is a card that I highly recommend getting. Not because it makes sense to put a lot of spending on the card long term (especially with the recent devaluation of points), but because the anniversary free night certificate can be worth way more than the ongoing annual fee.
Add in the IHG Platinum status, fourth night free on award redemptions, Global Entry/TSA Pre-Check credit, and more, and this card is a no-brainer. Add in the great bonus at the moment, and the card is even more valuable.
I know some people are opposed to having a lot of credit cards, but often it can make sense to have some cards just for the perks they offer, even if they’re not worth spending much money on. This is one of those cards.
Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts
Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants.
Earn 3 points per $1 spent on all other purchases.
Learn more from these OMAAT posts:
Foreign Transaction Fee:
$0
Annual Fee:
$99
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn 140,000 Bonus Points
- Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.
- Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts
- Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases
- Automatic Platinum Elite status as long as you remain a Premier cardmember
- Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 ($120 starting 10/1/24) every 4 years as reimbursement for the application fee charged to your card
- IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
- Member FDIC
Earn
140,000
IHG Rewards Points
Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening
Annual Free Night
IHG One Rewards Premier Business Credit Card
Earn 140,000 Bonus Points
Annual Free Night
- Earn up to 26x at IHG Hotels
- Anniversary Free Night
- IHG Rewards Platinum Status
Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts
Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants.
Earn 3 points per $1 spent on all other purchases.
Learn more from these OMAAT posts:
Foreign Transaction Fee:
$0
Annual Fee:
$99
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening.
- Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.
- Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts
- Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases
- Automatic Platinum Elite status as long as you remain a Premier Business cardmember
- Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 ($120 starting 10/1/24) every 4 years as reimbursement for the application fee charged to your card
- IHG One Rewards Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
- Member FDIC
Earn
140,000
IHG Rewards Points
Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening.
Hotel
Hilton Honors American Express Card
Limited Time: Earn 100,000 Hilton Honors Bonus. Offer ends 1/8/2025.
Hotel
- Earn 7x points at Hilton Hotels
- Hilton Honors Silver Status
- Hilton Honors Gold Status With Spending
The Hilton Honors Card from American Express is a great no annual fee card. The card has an excellent welcome bonus offer, offers 3-7x points per dollar spent, gets you Hilton Honors Silver status, and gives you access to Amex Offers.
Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
Earn 3X Points for all other eligible purchases on your Card.
Learn more from these OMAAT posts:
Foreign Transaction Fee:
None
Annual Fee:
$0
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 1/8/2025.
- Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
- Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
- Earn 3X Points for all other eligible purchases on your Card.
- Enjoy complimentary Hilton Honors™ Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors™ Gold status through the end of the next calendar year.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- No Annual Fee.
- Terms Apply.
Earn
100,000
Hilton Honors Points
Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 1/8/2025.
Drugstores
Chase Freedom Unlimited®
Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year)
Drugstores
- Earn 3% Cash Back on Dining
- Earn 3% Cash Back at Drugstores
- Earn 1.5% Cash Back On All Other Purchases
The Freedom Unlimited is the credit card that I’ve spent the most money on over the past few years. It’s a vital card as part of an overall strategy for earning Chase Ultimate Rewards points, especially in conjunction with the Sapphire Preferred or Sapphire Reserve.
Let me make my advice as concise as possible here: if you have the Sapphire Preferred or Sapphire Reserve, then you absolutely should have the Freedom Unlimited so you’re maximizing your return on everyday, non-bonused spending. Earning 1.5x Ultimate Rewards points per dollar is excellent.
Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
Learn more from these OMAAT posts:
Foreign Transaction Fee:
3% of each transaction in U.S. dollars
Annual Fee:
$0
Intro Purchase APR:
Enjoy 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 19.99% - 28.74%
Intro Balance Transfer APR:
Enjoy 0% Intro APR for 15 months from account opening on balance transfers, then a variable APR of 19.99% - 28.74%
- INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.99% - 28.74%.
- No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back!