Banks & Travel Cards

Rene’s Points For Better Travel, a division of Chatterbox Entertainment, Inc., has partnered with CardRatings for our coverage of credit card products. Rene’s Points For Better Travel and CardRatings may receive a commission from card issuers.

**Active military personnel and spouses of service members: American Express may waive annual fees for you. Learn more here.**

 

Jump to:

Travel Rewards Cards

Airline Credit Cards

Hotel Credit Cards

Cash Back Cards

Military Credit Cards

For American Express cards and Delta-branded Amexes, please visit our Amex page.

Travel Rewards Cards

 

Chase Sapphire Preferred Card

The Chase Sapphire Preferred travel rewards credit card.

 

Earn 60,000 bonus points after spending $4,000 on purchases in the first three months from account opening. Plus, receive 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. That’s worth $750 in travel when you redeem through Chase Ultimate Rewards!

Earn 2X points on travel and dining at restaurants worldwide

Earn 1 point per dollar spent on all other purchases.

You can also transfer your points to a number of airline and hotel loyalty programs! Airline: Aer Lingus, Air France-KLM, British Airways, Iberia, JetBlue, Singapore Airlines, Southwest Airlines, United, Virgin Atlantic. Hotels: Hyatt, InterContinental Hotel Group (IHG), Marriott, Ritz Carlton.

This card has a $95 annual fee.

Click here to read CardRatings.com’s review the Chase Sapphire Preferred card or here to learn about other Chase credit cards!

Capital One Venture Rewards Credit Card (learn more)

 

Capital One Venture travel rewards credit card.

Learn more about this card!

$0 intro annual fee for the first year; $95 after that

Named ‘The Best Travel Card’ by CNBC, 2018

Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within three months from account opening. That’s equal to $500 in travel!

Earn 2X miles on every purchase, every day.

Plus, earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture

Receive up to $100 application fee credit for Global Entry or TSA Pre✔®

Your miles, your schedule, YOUR CHOICE! Fly any airline, stay at any hotel, anytime; no blackout dates.

Transfer your miles/points to over a dozen top travel loyalty programs such as Aeromexico (Club Premier); Air Canada (Aeroplan); Air France, KLM (Flying Blue);
Alitalia (MilleMiglia Program); Avianca (LifeMiles); Cathay Pacific (Asia Miles); Etihad Airways (Etihad Guest); EVA Air (Infinity MileageLands); Finnair (Finnair Plus); Hainan Airlines (Fortune Wings Club); JetBlue (TrueBlue); Qantas (Qantas Frequent Flyer); Qatar Airways (Privilege Club); Emirates (Emirates Skywards) and Singapore Airlines (KrisFlyer).

Miles won’t expire for the life of the account. Plus, there’s no limit to how many you can earn!

No foreign transaction fees.

Read CardRatings.com’s review of the Capital One Venture Rewards Credit Card!

 

The Platinum Card® from American Express (learn more about this card)

The Platinum Card® from American Express

Learn more about the Platinum Card from American Express at https://renespoints.boardingarea.com/amexplat

Earn 60,000 Membership Rewards points using your new card to make $5,000 in purchases within three months of being approved.

Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That’s a potential $200 in annual Uber savings!

Earn 5X Membership Rewards points on flights booked directly with airlines or with American Express Travel.

Earn 5X Membership Rewards points on prepaid hotels booked on amextravel.com.

$100 Global Entry credit every four years.

Get up to $200 in airline fee statement credit each calendar year! Select an airline of your choice and receive credit for charges such as onboard food and beverage, baggage, and certain other purchases.

Complimentary gold status with two hotel brands: Marriott and Hilton.

Receive complimentary Delta Sky Club admission when flying Delta Air Lines.

Enjoy complimentary admission Centurion Lounge airport club access for you and up to two guests.

Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.

Amex gives you free Priority Pass Select membership — good for admission at participating airport lounges worldwide. You and up to two guests can enjoy this great perk!

Receive complimentary benefits such as daily breakfast for two, resort or spa credit, upgrades when available and more with Fine Hotels & Resorts.

Like shopping at Saks Fifth Avenue? You’ll love the $100 annual statement credit for Saks purchases (enrollment required).

$550 annual fee. But that can easily be offset by taking advantage of all these perks. Plus, active military personnel and military spouses may be eligible to have American Express annual fees waived.

Learn more now about this card, check out other American Express cards, or learn about other travel rewards cards!

Learn more about travel rewards cards!

Chase Sapphire Reserve (learn more about this card)

The Chase Sapphire Reserve card.

Named “Best Premium Travel Credit Card” for 2018 by MONEY® Magazine

Receive 50,000 bonus points after you spend $4,000 on purchases within three months of being approved! That’s $750 toward travel when you redeem through Chase Ultimate Rewards!

$300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year. Good for purchases such as airfare, hotels, parking, rideshare, tolls, and more!

Point Bonuses

  • 3X points on travel worldwide (immediately after earning your $300 travel credit.)
  • 3X points on dining worldwide
  • 1 point per $1 spent on all other purchases.

Enjoy access to almost 1200 airport lounges worldwide with a complimentary Priority Pass Select membership!

$100 application fee credit for Global Entry or TSA Pre✔®

No foreign transaction fee.

Click here to read CardRatings.com’s review the Chase Sapphire Preferred card or here to learn about other Chase credit cards!

Chase Ink Business Preferred Credit Card (learn more about this card)

The Chase Ink Business Preferred credit card

Earn a HUGE 80,000 bonus Chase Ultimate Rewards points after you spend $5000 within the first three months of being approved. That equals $1000 towards travel rewards when you redeem them Chase Ultimate Rewards!

Earn 3X per $1 spent on the first $150,000 spent in combined purchases in the below categories each account anniversary year:

  • Travel
  • Shipping purchases
  • Internet, cable, and phone services
  • Advertising purchases with social media sites and search engines

Earn unlimited 1X on all other purchases.

No foreign transaction fees!

$95 annual fee.

Click here to read CardRatings.com’s review the Chase Ink Business Preferred Credit Cardhere to learn about other Chase credit cards, or here to learn about more small business cards.

Capital One Spark Miles for Business (learn more about this card and how to apply)

Capital One Spark Miles for Business Credit Card, which offers a Global Entry or TSA PreCheck credit.

Learn more about this card!

 

The Capital One Spark Miles for Business (learn more) has a great “Purchase Eraser” feature for past purchases and waives the annual fee your first year!

Earning-wise, you’ll receive a one a one-time bonus of 50,000 points when you spend $4,500 in purchases within the first three months of being approved for the card. That equals $500 in travel.

This card also features the cool “Purchase Eraser” feature, which lets you apply points to previous purchases. You’ll be reimbursed the cash value of the purchase!

All eligible purchases earn 2X points.

There are no foreign transaction fees.

The card’s $95 annual fee is waived the first year.

Learn now how to apply for the Capital One Spark Miles for Business card!

 

 

PenFed Pathfinder Rewards American Express Card (learn more now about this card)

PenFed Pathfinder Amex Card

**No annual fee card with up to $125 worth of annual travel credits!!**

That’s correct. For no annual fee, the PenFed Pathfinder Rewards American Express Card gives you:

  • $100 annual air travel credit towards:
    • baggage fees
    • lounge access
    • onboard food and beverages!
  • $100 Global Entry or $85 TSA PreCheck credit every four years.

Why would you not hold this card?

Earn 25,000 bonus points after you spend $2500 during the first 90 days your account is open.

Plus, receive 3X on all travel purchases and 4X on all travel purchases for PenFed Honors Advantage Members!

No foreign transaction fee

No annual fee

Read more now about the PenFed Pathfinder Rewards American Express Card or learn about other travel rewards cards!

 

Wells Fargo Propel American Express card (learn more about this card)

**No annual fee!**

Receive 30,000 bonus points after you spend $3,000 in purchases within the first three months of being approved for the card. (That’s worth a $300 cash redemption value!)

Plenty of earning possibilities here for travelers!

Earn 3X points in the following categories:

  • Eating out
  • Ordering in
  • Travel, including:
    • Flights
    • Hotels
    • Homestays
    • Car rentals
  • Gas stations
  • Rideshares
  • Transit
  • Popular streaming services

(All other purchases earn 1X)

So if you’re the kind of traveler who flies somewhere, takes Uber or Lyft to a hotel or Airbnb, maybe buys visits a gas station to buy snacks while watching your Netflix or Hulu, and then ordering in Grubhub, then read more about the Wells Fargo Propel American Express card.

Plus, no annual fee and no foreign currency conversion!

Learn more now about this card, check out other Wells Fargo cards, or learn about other travel rewards cards!

 

American Express® Gold Card (learn more about this card)

american express gold card

Learn more about this card!

Earn 50,000 Membership Rewards points after spending $2,000 on eligible purchases within the first three months of being approved.

Eat up these benefits!

  • Earn 4X Membership Rewards points dining at restaurants worldwide.
  • Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X).
  • Earn up to a total of $10 monthly statement credits paying with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations. That alone equals a potential $120 annual savings.

Flight-wise, earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. Plus, enjoy up to $100 in airline fee statement credit each calendar year! Select an airline of your choice and receive credit for charges such as onboard food and beverage, baggage, and certain other purchases.

Shop internationally with no foreign transaction fees.

Annual Fee is $250. The airline credit ($100) and select restaurant credit ($120) almost recoup the entire annual fee!

Learn more now about this card, check out other American Express cards, or learn about other travel rewards cards!

 

 

The Business Platinum Card from American Express (learn more now about this card)

The Business Platinum Card<sup>&#174;</sup> from American Express
Learn more about this card!

Earn 50,000 bonus Membership Rewards points after you spend $10,000 within the first three months of being approved for the card. You’ll receive another 50,000 bonus MRs after spending an additional $15,000 on eligible purchases within those same three months.

So if you spend $25,000 within three months of being approved, you’ll earn 125,000 Membership Rewards ($25,000 on spend = 25,000 Membership Rewards points. Then receive the 100,000 bonus points).

Get 5X Membership Rewards points on flights and prepaid hotels on amextravel.com.

Get 50% more Membership Rewards points. That’s 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.

Here’s one of my personal favorite perks — and pretty much the reason I hold this card:

Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year.

Enroll to get up to $200 in statement credits annually ($100 semi-annually) for U.S. purchases with Dell. Remember, Dell sells more than computers!

$100 Global Entry credit every four years. Global Entry includes TSA PreCheck!

Get up to $200 in airline fee statement credit each calendar year! Select an airline of your choice and receive credit for charges such as onboard food and beverage, baggage, and certain other purchases.

Complimentary gold status with two hotel brands: Marriott and Hilton.

Receive complimentary Delta Sky Club admission when flying Delta Air Lines.

Enjoy complimentary admission Centurion Lounge airport club access for you and up to two guests.

Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.

Amex gives you free Priority Pass Select membership — good for admission at participating airport lounges worldwide. You and up to two guests can enjoy this great perk!

Receive complimentary benefits such as daily breakfast for two, resort or spa credit, upgrades when available and more with Fine Hotels & Resorts.

Get one year of Platinum Global Access from WeWork With this membership, you can access 300+ premium, inspiring workspaces in 75+ cities. To get this exclusive offer, enroll between 2/15/2019 and 12/31/2019.

Learn more now about this card, check out other American Express cards, or learn about other business cards!

 

American Express Business Gold Card (learn how to apply)

American Express<sup>&#174;</sup> Business Gold Card

Learn more about this card!

Check this out: Get 4X Membership Rewards points on the two select categories where your business spent the most each month. (The 4X points apply to the first $150,000 in combined purchases from these two categories each calendar year.)

Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year!

Receive up to one year free on subscriptions to both G Suite Basic (for up to three users) and ZipRecruiter Standard, a combined value up to $3,200. That alone is a huge savings!

This card also offers a flexible payment option to help manage cash flow on purchases of $100 or more.

Plus, make accounting easier! Connect to Quickbooks, access SpendManager, receive a Year-End Summary, and more.

Learn more now about this card, check out other American Express cards, or learn about other business cards!

 

The Blue Business Plus Credit Card from American Express (learn more)

The Blue Business Plus Card from American ExpressLearn more about this card!

Check this out: a no annual fee card that earns Membership Rewards points!

Earn 2X points — with no category restrictions — on the first $50,000 in purchases each year. After that, you’ll earn 1X points on purchases thereafter.

It doesn’t come with the bells and whistles of, say, the Platinum Card from American Express (learn more) and Business Platinum Card from American Express OPEN (learn more). Nor does it offer the Membership Rewards earning power of the American Express Gold Card (learn more) or American Express Business Gold Card (learn more).

It also doesn’t offer a welcome bonus.

However, a small business whose budget is rather low might enjoy this card.

Learn more now about this card, check out other American Express cards, or learn about other business cards!

 

Business Green Rewards Card from American Express (learn more)

American Express Business Green CardLearn more about this card!

 

Earn 5,000 Membership Rewards points after your first purchase within three months of being approved for the Business Green Rewards Card from American Express (learn more)!

Earn 2X points on eligible purchases through Amex Travel.

Earn 1X points on everything else.

The $95 annual fee is waived the first year.

This, like The Blue Business Plus Credit Card from American Express (learn more), is more of a starter business American Express card. If travel figures into your company’s plans, consider the Platinum Card from American Express (learn more) or Business Platinum Card from American Express OPEN (learn more) — which earn 5X points through Amex Travel, come with airport lounge access, and give cardholders complimentary Gold status with Marriott and Hilton.

The Membership Rewards earning (1X on everything else) doesn’t come close to the American Express Gold Card (learn more) or American Express Business Gold Card (learn more). But, again, this is definitely an attractive option for those looking to dip their pinky toes into the credit card water.

Learn more now about this card, check out other American Express cards, or learn about other business cards!

Airline Rewards Cards

 

Southwest Rapid Rewards Priority Credit Card (learn more)

Southwest Rapid Rewards Priority Credit Card

 

What?! Why is a Southwest credit card being recommended on a site that focuses on Delta stuff?!

Simple: its welcome bonus is lucrative for the minimum spend required. You’ll earn 40,000 Rapid Rewards points after spending only $1000 within three months of being approved. Not to mention its annual travel credit makes the card worth more than lower annual fee cards.

The card has a $149 fee — but comes with a $75 Southwest annual travel credit. Essentially, that reduces your “out of pocket” to $74 (assuming you use the travel credit). That basically makes this card $25 cheaper than the lower annual fee Southwest Premier Card — which does not have any travel credit.

Not to mention, you’re annually gifted 7,500 anniversary points starting year two. Just because Southwest and Chase LUV having you as a cardmember.

You’ll also enjoy these additional benefits not available on the other Southwest consumer cards:

  • Four Upgraded Boardings per year (when available) put you in boarding group A1-15.
  • 20% credit on inflight drinks and WiFi

The only thing I don’t like about this card is its earnings:

  • 2X points per $1 spent on Southwest and Rapid Rewards hotel and car rental partner purchases.
  • 1X on everything else.

(Seems someone took a page out of the Delta Amex playbook.)

Business-owners: check out the Southwest Airlines Rapid Rewards Premier Business Credit Card — and combine those miles with the Southwest Premier Card to earn yourself a cool 100,000 Rapid Rewards points — which almost qualifies you for A-list status.

Special note to Los Angeles-area travelers on short hops (i.e. Las Vegas, Bay Area, Phoenix, Sacramento, etc): get this card and fly Southwest out of Burbank until construction at LAX is done. Whenever that will be.

Read a review and learn more about the Southwest Premier Card, see and learn about other Chase cards, or read about airline credit cards!

 

 

Delta Reserve Credit Card from American Express (learn more about this card)

Delta Reserve® Credit Card from American ExpressLearn more about the Delta Reserve Card from American Express at https://renespoints.boardingarea.com/dlres

Earn 5,000 Medallion Qualification Miles (MQMs) and 75,000 bonus SkyMiles after you spend $5,000 in purchases on your new card within the first three months.

You’ll earn 2 miles for every dollar spent on eligible purchases made directly with Delta. And one mile for every eligible dollar you spend on purchases.

Plus, achieve or boost your Delta Elite Medallion status with 15,000 Medallion Qualification Miles (MQMs) and 15,000 bonus miles after you spend $30,000 in eligible purchases on your card in the calendar year. Spend another $30,000 on the card within the same calendar year and you’ll receive another 15,000 MQM bonus and 15,000 SkyMiles bonus.

Enjoy one domestic First Class/Delta One, Delta Comfort+® or Main Cabin round-trip companion certificate each year upon renewal of your card.

Don’t pay for snacks or drinks in airports. Seriously. Stop. Enjoy complimentary Delta Sky Club admission and bring up to two guests for $29 per person per visit.

Purchases onboard Delta flights (think premium snacks, adult beverages, headphones) will receive a 20% statement credit.

Main Cabin 2 who? Main Cabin 3 what? Don’t worry. You’ll receive Main Cabin 1 Priority Boarding whenever you’re booked into the Main Cabin.

Stop paying for most — or all — of your checked luggage on Delta flights! Your first checked bag — and those of up to eight other passengers on the same itinerary/PNR — are free.

The annual fee is $450. In our opinion, the Sky Club access and First Class BOGOF can easily offset that cost.

Learn more now about this card, check out more American Express cards, or learn about other airline cards!

 

 

Southwest Rapid Rewards Premier Business Credit Card (learn more)

Southwest Rapid Rewards Premier Business Credit Card

Earn 60,000 bonus points after spending $3000 on eligible purchases within three months of your account’s opening!

Southwest shows you the LUV with 6,000 bonus points every year on your cardmember anniversary! (Annual fee: $99, billable on your first statement)

Earn 2 points for every dollar you spend on Southwest Airlines purchases. (Earn 1 point for every dollar you spend elsewhere.)

This $99 annual fee card has no foreign transaction fees.

Read a review and learn more about the Southwest Rapid Rewards Premier Business Credit Card, see and learn about other Chase cards, or read about airline credit cards!

 

 

Platinum Delta SkyMiles Credit Card from American Express (learn more about this card)

 


Learn more about the Delta Platinum Card from American Express at https://renespoints.boardingarea.com/dlplat

Earn 50,000 bonus SkyMiles after you spend $1,000 in purchases on your new card within three months of being approved.

Plus, receive a $100 statement credit when you make a purchase directly through Delta Air Lines within the first three months of card membership!

You’ll earn 2 miles for every dollar spent on eligible purchases made directly with Delta. And one mile for every eligible dollar you spend on purchases.

Starting the second year you hold the card, you’ll receive an annual buy-one, get-one free (BOGOF) companion certificate for one roundtrip on designated coach fares. Find a fare that costs $196 or more and you come out ahead!

Purchases onboard Delta flights (think premium snacks, adult beverages, headphones) will receive a 20% statement credit.

Stop paying for most — or all — of your checked luggage on Delta flights! Your first checked bag — and those of up to eight other passengers on the same itinerary/PNR — are free.

Strike “Main Cabin 2” and “Main Cabin 3” from your vocabulary. You’ll receive Main Cabin 1 Priority Boarding whenever you’re booked into the Main Cabin.

The annual fee is $195.

Learn more now about this card, check out more American Express cards, or learn about other airline cards!

 

 

Delta Reserve for Business Credit Card (learn more about this card)

Delta Reserve for Business Credit Card

Learn more about this card!

Earn 40,000 bonus SkyMiles and 10,000 Medallion Qualification Miles (MQMs) after you spend $3,000 in purchases on your new card in your first three months.

Plus, achieve or boost your Delta Elite Medallion status with 15,000 Medallion Qualification Miles (MQMs) and 15,000 bonus miles after you spend $30,000 in eligible purchases on your card in the calendar year. Spend another $30,000 on the card within the same calendar year and you’ll receive another 15,000 MQM bonus and 15,000 SkyMiles bonus.

You’ll earn 2 miles for every dollar spent on eligible purchases made directly with Delta. And one mile for every eligible dollar you spend on purchases.

Enjoy one domestic First Class/Delta One, Delta Comfort+® or Main Cabin round-trip companion certificate each year upon renewal of your card. Give yourself and a guest a vacation!

Enjoy complimentary Delta Sky Club admission; the free snacks and beverages can take the sting out of a business trip. And if you’re feeling generous, bring up to two guests for $29 per person per visit.

Receive Main Cabin 1 Priority Boarding. Even if your boss forced you to book Basic Economy.

No foreign transaction fees when you spend overseas.

This card’s annual fee is $450. In our opinion, the Sky Club access and First Class BOGOF can easily offset that cost.

Learn more now about this card, check out more American Express cards, or learn about other airline cards!

 

Platinum Delta SkyMiles Business Credit Card from American Express (learn more about this card)

Platinum Delta SkyMiles® Business Credit Card from American ExpressLearn more about this card!

Earn 35,000 bonus SkyMiles and 5000 MQMs after you spend $1,000 in purchases on your new card within three months of being approved.

Plus, achieve or boost your Delta Elite Medallion status with 10,000 Medallion Qualification Miles (MQMs) and 10,000 bonus miles after you spend $25,000 in eligible purchases on your card in the calendar year. Spend another $25,000 on the card within the same calendar year and you’ll receive another 10,000 MQM bonus and 10,000 SkyMiles bonus.

Purchases onboard Delta flights (think premium snacks, adult beverages, headphones) receive a 20% statement credit.

Starting the second year you hold the card, you’ll receive an annual buy-one, get-one free (BOGOF) companion certificate for one roundtrip on designated coach fares. Use it on a fare that costs $196 or more and you come out ahead!

You’ll earn 2 miles for every dollar spent on eligible purchases made directly with Delta. And one mile for every eligible dollar you spend on purchases.

Receive Main Cabin 1 Priority Boarding. Even if your boss forced you to book Basic Economy.

Learn more now about this card, check out more American Express cards, or learn about other airline cards

 

 

Gold Delta SkyMiles Credit Card from American Express (learn more about this card)

Gold Delta SkyMiles® Credit Card from American Express
Learn more about this card!

Earn 30,000 bonus SkyMiles after you spend $1,000 in purchases on your new card within three months of being approved.

Plus, receive a $50 statement credit when you a make a purchase directly with Delta airlines within the first three months of card membership.

You’ll earn 2 miles for every dollar spent on eligible purchases made directly with Delta. And one mile for every eligible dollar you spend on purchases.

Stop paying for most — or all — of your checked luggage on Delta flights! Your first checked bag — and those of up to eight other passengers on the same itinerary/PNR — are free.

Never let the words “Main Cabin 2” or “Main Cabin 3” trouble you again. You’ll receive Main Cabin 1 Priority Boarding whenever you’re booked into the Main Cabin.

Enjoy a $0 introductory annual fee for the first year, then $95 starting in year two.

Learn more now about this card, check out more American Express cards, or learn about other airline cards!

Gold Delta SkyMiles Business Credit Card from American Express (learn more about this card)

Gold Delta SkyMiles® Credit Card from American ExpressLearn more about this card!

Earn 30,000 bonus SkyMiles after you spend $1,000 in purchases on your new card within three months of being approved.

Plus, receive a $50 statement credit when you a make a purchase directly with Delta airlines within the first three months of card membership.

You’ll earn 2 miles for every dollar spent on eligible purchases made directly with Delta. And one mile for every eligible dollar you spend on purchases.

Stop paying for most — or all — of your checked luggage on Delta flights! Your first checked bag — and those of up to eight other passengers on the same itinerary/PNR — are free.

Never let the words “Main Cabin 2” or “Main Cabin 3” trouble you again. You’ll receive Main Cabin 1 Priority Boarding whenever you’re booked into the Main Cabin.

Enjoy a $0 introductory annual fee for the first year, then $95 starting in year two.

Learn more now about this card, check out more American Express cards, or learn about other airline cards!

 

 

Hotel Credit Cards

 

IHG Rewards Club Premier Credit Card (learn more)

IHG® Rewards Club Premier Credit Card Read more at: https://www.cardratings.com/bestcards/featured-credit-cards?&shnq=4048106&CCID=20397089204652871&QTR=ZZf201804051239590Za20397089Zg255Zw0Zm0Zc204652871Zs7273ZZ&CLK=799190716215738620&src=662932&&exp=y Copyright © CardRatings.com

 

I swore I’d never get this card (SPOILER ALERT: I did) because, like René and many other travelers, I was upset when IHG majorly devalued the previous card’s yearly anniversary free night at any IHG property worldwide. They’ve since capped the redemption to properties that are 40,000 points and less.

So why did I get this card?

The welcome bonus and second anniversary night.

Earn 125,000 bonus points after spending $3000 with the first three months of being approved. Plus, earn 40X IHG Rewards Club points per dollar spent during IHG Hotels & Resorts stays during the first 12 months of your account being opened.

Here’s how the 40X breaks down for stays:

  • Earn 25X points for the first 12 months as an IHG Rewards Club Premier credit cardmember. After that, receive 10X points at IHG Hotels and Resorts
  • Earn 10X points for Rewards Club Member
  • Earn 5X points, thanks to the card’s complimentary IHG Platinum Elite Status.
A hotel room for $89 (the card’s annual fee) is still a good deal. (Note the anniversary night kicks in year two. But you can have some good with the 80,000 welcome bonus points until then)

Points Earnings

  • Earn 4X points on all other purchases for the first 12 months your account is open!After that, you’ll receive 2X points at:
    • Gas stations
    • Grocery store
    • Restaurants

    1X point on all other purchases

Other IHG Rewards Club Premier Credit Card Benefits

  • Platinum Elite Status with perks such as:
    • Room upgrades
    • Guaranteed room availability
    • Complimentary internet
    • Priority check-in
    • Late check-out
    • Welcome amenity
    • $30 In-room spa credit
    • Two free Amazon Kindle eBooks each quarter
  • Complimentary “Anniversary” Night at Eligible IHG Hotels
    • Valid at properties with a redemption level of 40,000 or points or less
    • You receive the anniversary night beginning your second year of card membership
  • $100 Global Entry or TSA Pre√ application credit every four years.
  • No foreign transaction fees

This card’s annual fee is $89 and not waived the first year.

The card’s complimentary Platinum elite status has scored me a hospitality suite, some minor room upgrades, and plenty of early check-ins and check-outs.

If you hold the old/now-defunct IHG Rewards Club, pool that card’s anniversary night with the IHG Rewards Club Premier Credit Card‘s. You essentially receive two hotel nights each year for a total of $138.

Again, I hold this card because I received a great welcome bonus — and I also value the anniversary night.

Read a review of and learn more about the IHG Rewards Club Premier Credit Card, see and learn about other Chase cards, or read about hotel credit cards!

Marriott Bonvoy Business American Express Card (learn more about this card)

Marriott Bonvoy Business American Express CardLearn more about this card!

Earn 75,000 bonus Marriott Bonvoy points after you use your new card to make $3,000 in purchases within the first 3 months of being approved!

Enjoy a free anniversary night valid for stays under 35,000 points beginning the second year you hold the card. Plus, earn another free anniversary night when you spend $60,000 on your card within a calendar year.

Receive complimentary Silver status just for being a cardholder! Silver members enjoy benefits such as:

  • Priority late checkout
  • 10% bonus points on stays

Plus, cardmembers receive a complimentary upgrade to Gold status when spending $35,000 on the card during a calendar year. Remember, though, the Platinum Card from American Express (learn more) and Business Platinum Card from American Express OPEN (learn more) give cardholders complimentary Gold status.

Bonus categories for using your card:

  • 6X points at participating Marriott Bonvoy hotels
  • 4X points at U.S. restaurants
  • 4X points at U.S. gas stations
  • 4X points on wireless telephone services purchased directly from U.S. service providers
  • 4X points on U.S. purchases for shipping
  • 2x points on all other eligible purchases

Learn more now about the Marriott Bonvoy Business American Express Card, check out more American Express cards, or learn about other hotel cards!

 

 

Marriott Bonvoy Boundless Visa Signature Credit Card (learn more)

Marriott Bonvoy Boundless™ Credit Card Read more at: https://www.cardratings.com/bestcards/featured-credit-cards?&shnq=4048084&CCID=20392212204649873&QTR=ZZf201801021148170Za20392212Zg255Zw0Zm0Zc204649873Zs7273ZZ&CLK=233190717095522230&src=662932&&exp=y Copyright © CardRatings.com

 

Most of us aren’t fans that Marriott torpedoed its own loyalty program. So why is the Marriott Bonvoy Boundless Visa Signature Credit Card on our list? It offers a nice welcome bonus: Earn 75,000 bonus points after you spend $3,000 on purchases during the first three months of being approved.

The card’s $95 annual fee can still score you a discounted room with its anniversary night (good at properties up to 35,000 points) that triggers during year two. The card also bestows you complimentary Silver status with Bonvoy.

How About Its Bonus Categories?

  • 6X Bonvoy points per $1 spent at over 6,900 participating Marriott Bonvoy hotels.
  • 2X Bonvoy points for every $1 spent on all other purchases.

So the earnings are fairly meh (certainly better than a few other cards). But a nice hotel room for $95 a year is certainly with considering.

Read a review of and learn more about the Marriott Bonvoy Boundless Visa Signature Credit Card, see and learn about other Chase cards, or read about hotel credit cards!

 

Hilton Honors American Express Surpass Card (learn more)

Learn more about the Hilton Honors Surpass Card from American Express.

Learn more about this card!

Earn 125,000 Hilton Honors points after you spend $2,000 in eligible purchases within the first three months of being approved!

The Hilton Honors American Express Surpass Card (learn how to apply) offers its cardholders several benefits:

  • Complimentarily Hilton Honors Gold status (upgrade to Diamond after spending $40,000 on the Surpass Card during a calendar year.) Some of the Gold status perks include:
    • Complimentary breakfast at all hotels
    • Space-available upgrades to Executive rooms
  • Earn a Weekend Night Reward after spending $15,000 in a calendar year.
  • 10 free visits each year at Priority Pass airport lounges
  • Late check-out
  • 5th standard reward night free
  • Two bottles of water
  • Elite tier rollover nights
  • 80% Elite tier bonus points

Cardholders receive the following bonus Hilton Honors points for select purchases:

  • 12X on eligible purchases at a participating Hilton portfolio hotel or resort
  • 6X at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations
  • 3X on all other eligible purchases.

The Hilton Honors American Express Surpass Card (learn more about this card) carries a $95 annual fee that is not waived the first year. But the fee can be offset fairly easily for a while thanks to the free breakfasts and annual Priority Pass visits.

Learn how to apply for the Hilton Honors American Express Surpass Card, check out more American Express cards, or learn about other airline cards!

 

Hilton Honors American Express Card (learn more)

The Hilton Honors American Express Card.

Learn more about this card!

Earn 75,000 Hilton Honors points after you spend $1,000 in eligible purchases within the first three months of being approved!

The basic, no annual fee Hilton Honors American Express Card (learn more) gives cardholders complimentary Silver status (and can earn Gold after spending $20,000 in a calendar year).

Silver status benefits include:

  • Late check-out
  • 5th standard reward night free
  • Two bottles of water
  • Elite tier rollover nights
  • 20% Elite tier bonus points

The Hilton Honors American Express Card (learn more) offers the following Hilton Honors point bonuses.

  • 7X on eligible purchases at a participating Hilton portfolio hotel or resort
  • 5X at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations
  • 3X on all other eligible purchases.

Learn more now about the Hilton Honors American Express Card, check out more American Express cards, or learn about other hotel cards!

 

Marriott Bonvoy Bold Visa Signature Credit Card (learn more)

Marriott Bonvoy Bold™ credit card

Earn 50,000 bonus Marriott Bonvoy points when you spend $2000 on purchases on the Marriott Bonvoy Bold Visa Signature Credit Card within the first three months of being approved!

Qualify for Silver status, thanks to the 15 Elite Night Credits you receive each calendar year! Silver members enjoy perks such as:

  • Priority late checkout
  • 10% bonus points on stays

Earn points in the following categories:

  • 3X per $1 spent at participating Marriott Bonvoy hotels
  • 2X per $1 spent on other travel purchases (think airfares, rideshare, taxis, etc)
  • 1X on all other purchases

Plus, there’s no annual fee and no foreign transaction fees!

Read a review of and learn more about the Marriott Bonvoy Bold Visa Signature Credit Card, see and learn about other Chase cards, or read about hotel credit cards!

 

 

 

Cash Back Cards

Chase Freedom Unlimited (learn more)

Chase Freedom Unlimited Cash Back credit card

No annual fee!

Earn 3% cash back on every purchase, up to $20,000 spent the first year. That’ll net you about $600 back — before you stack with cash back portals and apps! (Earn 1.5% back after meeting the spend threshold).

Read a review of the Chase Freedom Unlimited credit card, learn about more Chase cards, or check out other cashback cards!

 

Chase Freedom (learn more)

Chase Freedom No Annual Fee Credit Card

Save money with no annual fee!

Check out this welcome bonus: $150 credit after you spend just $500 on purchases in the first three months your account is open!

Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. All other purchases after that receive 1% cash back.

Read a review of the Chase Freedom Unlimited credit card, learn about more Chase cards, or check out other cashback cards!

 

Chase Ink Business Cash Credit Card (learn more about this card)

Chase Ink Business Cash Credit Card

No annual fee!!

Enjoy $500 bonus cash back after you spend $3000 in purchases within three months of being approved for the card!

Cash Back Bonus Categories

Receive 5% cash back on the first $25,000 spent in combined purchases each anniversary year on the following categories:

  • Office supply stores
  • Internet, cable, and phone services

Receive 2% cash back on the first $25,000 spent in combined purchases each anniversary year on the following categories:

  • Gas stations
  • Restaurants

Unlimited 1% cash back on all other purchases!

Enjoy redeeming your savings as cash back, gift cards, travel, and more through Chase Ultimate Rewards!

And, of course, NO ANNUAL FEE!!!

Read a review of the Chase Ink Business Cash Credit Card, learn about more Chase cards, or check out other cashback cards!

 

Capital One Quicksilver Cash Rewards Credit Card (read more about this card and how to apply)

Capital One Quicksilver Rewards cash rewards credit card

No annual fee!!

Enjoy a $150 cash bonus after spending just $500 on purchases within the first three months you’re approved for the card!

Earn unlimited 1.5% cash back on all purchases!

No foreign transactions fees!

No annual fee!!

Read a review of and learn more about the Capital One Quicksilver Cash Rewards Credit Card, see other Capital One cards, or learn about other cashback credit cards!

 

 

Chase Ink Business Unlimited Credit Card (learn more about this card)

Chase Ink Business Unlimited Credit CardNo annual fee!!

Enjoy $500 bonus cash back after you spend $3000 in purchases within three months of being approved for the card!

Earn unlimited 1.5% cash back on every purchase!

Enjoy redeeming your savings as cash back, gift cards, travel, and more through Chase Ultimate Rewards!

And, of course, NO ANNUAL FEE!!!

Read a review of the Chase Ink Business Unlimited Credit Card, learn about more Chase cards, or check out other cashback cards!

 

 

Blue Cash Preferred Card from American Express (learn more about this card)

American Express Blue Cash Preferred Card

You’ll earn a $250 statement credit after spending $1000 on purchases within three months of being approved.

Check out these bonus categories:

  • earn 6% back on up to $6,000 spent at U.S. supermarkets annually
  • earn 6% back on select U.S. streaming subscriptions (like Netflix, Amazon Prime Video, Spotify, Apple Music, and many others)
  • earn 3% back on transit purchases (think Lyft, Uber, parking, tolls, etc.)
  • earn 3% back at U.S. gas stations
  • earn 1% back on everything else.

The $95 annual fee is easily offset if you spend at least $1600 a year between U.S. supermarkets and streaming services.

Read a review of and learn more about the Blue Cash Preferred Card from American Express, check out more American Express cards, or learn about other cashback credit cards!

 

 

Capital One Savor Cash Rewards Credit Card (learn more about this card)

Savor Rewards from Capital One

Earn a one-time $300 cash bonus when you use your card to spend $3,000 on purchases within three months of being approved for the Capital One Savor Cash Rewards Credit Card (learn more about this card).

Earn unlimited cash back! No reaching a certain threshold and then being kicked down 1% for the rest of that year’s purchases. Earn special bonuses in certain categories!

  • 4% cash back on dining (restaurants, cafes, bars, lounges, fast-food chains and bakeries)
  • 4% cash back on entertainment (Ticket purchases made at movie theaters, sports promoters for professional and semi-professional live events, theatrical promoters, amusement parks, tourist attractions, aquariums, zoos, dance halls, record stores, pool halls or bowling alleys)
  • 2% cash back at grocery stores
  • 1% cash back on all other purchases

8% on Vivid Seats purchases through May 2020 when you use your Capital One Savor Cash Rewards Credit Card (learn more about this card).

Through May 2020, pay for Postmates Unlimited with your Capital One Savor Cash Rewards Credit Card (learn more about this card) — and Postmates will waive your Postmates Unlimited membership fee!

The $95 annual fee is waived the first year! Also, there are no foreign transaction fees!

Read a review of and learn more about the Capital One Saver Cash Rewards Credit Card, see other Capital One cards, or learn about other cashback credit cards!

 

 

U.S. Bank Cash+ Visa Signature Card (learn more)

U.S. Bank Cash+™ Visa Signature® Card Read more at: https://www.cardratings.com/credit-card/us-bank-cash-plus-visa-signature-card.html Copyright © CardRatings.com

Learn more about this card!

In addition to an easily met — and generous — welcome bonus, the US Bank Cash+ Visa Signature Card lets you pick two categories in which you earn 5% back!

When you spend just $500 in the first three months of being approved, you’ll earn $150 cashback!

Another plus (no pun intended) no annual fee!

Bonus Categories

The US Bank Cash Plus Visa Signature Card rewards you 5% back on your first $2000 spent each quarter on two of the below categories:

  • TV, Internet, & Streaming Services
  • Fast Food
  • Cell Phone Providers
  • Department Stores
  • Home Utilities
  • Select Clothing Stores
  • Electronics Stores
  • Sporting Goods Stores
  • Movie Theatres
  • Gym/Fitness Centers
  • Furniture Stores
  • Ground Transportation (Lyft, Uber, Yellow Cab, etc)

Earn 2% back on a below category of your choosing:

  • Grocery Stores
  • Gas Stations
  • Restaurant

Everything else earns you 1% cashback.

really like what people can do with this card: tons of earning potential and no annual fee.

Read a review of and learn more about the US Bank Cash Plus Visa Signature Card or learn about other cashback credit cards!

U.S. Bank Cash 365 American Express Card

US Bank 365 American Express CardLearn more about this card!

New cardmembers enjoy a pretty easily-achievable bonus: earn $150 after spending just $500 in eligible net purchases within the first 90 days of being approved for the card.

Earn unlimited 1.5% cash back on all eligible net purchases. No categories to remember or quarterly bonuses to register for. Simply use your card and earn unlimited cash back.

Cash back never expires and there are no minimum redemption options.

No Annual Fee!

Read a review of and learn more about the U.S. Bank Cash 365 American Express Card or learn about other cashback credit cards!

 

 

Capital One SavorOne Cash Rewards Credit Card (learn more about this card)

Capital One SavorOne Cash Rewards Credit Card

Learn more about this card!

Yet another no annual fee card with a simple welcome bonus: $150 cash bonus once you spend $500 on purchases within three months of being approved.

Bonus Categories

  • 3% back on dining and entertainment
  • 2% at grocery stores
  • 1% on all other purchases

Read a review of and learn more about the Capital One SaverOne Cash Rewards Credit Card, see other Capital One cards, or learn about other cashback credit cards!

 

 

 

 

Military Credit Cards

USAA membership is available to active and former military and their eligible family members.

USAA Cashback Rewards Plus American Express Card (learn more)

USAA Chashback Rewards Amex

Learn more about this card!

Earn 5% cash back on your first $3,000 in combined gas station and military base purchases yearly.

Plus, receive 2% cash back on your first $3,000 in grocery purchases yearly

Enjoy unlimited 1% cash back on all other purchases

No annual fees, no foreign transaction fees!

Read a review of and learn more about the USAA Cashback Rewards Plus American Express Card, see other USAA cards, read about military credit cards or learn about other cashback credit cards!

 

USAA Preferred Cash Rewards Visa Signature Card (learn more)

USAA Preferred Cash Rewards Visa Signature CardLearn more about this card!

Earn 1.5% cash back on every purchase — no limits or category restrictions!

No penalty APR, no annual fees, no foreign transaction fees!

Read a review of and learn more about the USAA Preferred Cash Rewards Visa Signature Card, see other USAA cards, or learn about other cashback credit cards!

 

 

 

Rene’s Points For Better Travel, a division of Chatterbox Entertainment, Inc., has partnered with CardRatings for our coverage of credit card products. Rene’s Points For Better Travel and CardRatings may receive a commission from card issuers.

Learn now about more credit card offers!

******************************************************************

.If you do not get instant approvals you may need to call to follow up at the reconsideration lines. There is no set time to wait and if you apply on a weekday during business hours you can call almost right away. The numbers for the credit card company’s are below:

    • Bank Of America Credit Card Reconsideration

      866-458-8805 credit analyst

      877-721-9405 application status press 3

      866-421-8153 Credit analyst – existing cardholders

      800-718-6072 Credit analyst – for existing cardholders

      Barclay’s Credit Application Center (also Virgin America)

      800-308-6008 or 866-408-4064

      Chase Bank Reconsideration numbers

      (800) 432-3117 – General Application Status Line, automated

      (888) 245-0625 – Personal Reconsideration Line with a live rep

      (888) 609-7805 – Alternative Personal Reconsideration line with live rep

      (888) 871-4649 – Alternative Personal Reconsideration with live rep

      (800) 453-9719 – Business Credit Card Reconsideration Line with live rep

      (800) 432-3117 – General Card Services and Application Status, automated

      (800) 955-9900 – General Card Services and Application status, automated

      Citibank Credit Card Reconsideration

      800-763-9795 credit department

      866-606-2787 or 888-201-4523 application status

      Capital One Card Reconsideration

      800-625-7866 Account Specialist

      800-951-6951 customer relations

      800-548-4593 application status – automated

      800-889-9939 or 800-625-7866 Account Specialist

      877-513-9959 Account Retention

      800-707-0489 Senior Escalation Account Managers

      Discover Card Reconsideration

      888-676-3695 credit analyst

      866-219-0214 Retention Department

      HSBC Card Reconsideration

      866-574-4421 Application Status

      866-551-0258 Credit Analyst

      866-280-0118 Executive Resolution Unit

      US BANK

      800-947-1444 Application Status

      800-685-7680 Underwriting

One comment