Endeuda2 has partnered with CardRatings for our coverage of credit card products. Endeuda2 and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on this website are from advertisers. Compensation may impact on how and where card products appear on this website. This website does not include all card companies or all available card offers.
Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
Chase
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card_name
Current Bonus
bonus_miles_full
Mini Review
One of the best cards to start in the world of points and miles thanks to its versatility, benefits, and low annual fee of $95. It earns Ultimate Rewards® points that are worth 25% more when redeemed through Chase Travel℠ and can also be transferred to 11 airline loyalty programs and 3 hotel loyalty programs. It doesn’t charge foreign transaction fees and its rewards structure includes 5x points on travel through Chase Travel℠, 3x on dining and online grocery stores, 2x on all other travel purchases, and 1x on everything else. It’s possible to combine points from other Chase cards with this one to get more value when redeeming for travel.
Points
Ultimate Rewards®
Annual Fee
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Foreign Fee
foreign_transaction_fee
Affiliate Link via CardRatings
card_name
Intro Bonus
bonus_miles_full
Mini Review
A great option for frequent travelers who want to maximize their benefits. Earns Ultimate Rewards® points that are worth 50% more when redeemed through Chase Travel℠, and can also be transferred to 11 airline loyalty programs and 3 hotel loyalty programs. It has an annual fee of $550 but includes a $300 annual travel credit, access to over 1,300 VIP lounges through Priority Pass Select, and access to Chase Sapphire Lounges by The Club. The card earns 5x points per dollar on flights and 10x points per dollar on hotels and car rentals booked through Chase Travel℠ (after the first $300 spent), as well as 3x points on dining and travel purchases. Points from other Chase cards can be combined to maximize their value.
Points
Ultimate Rewards®
Annual Fee
annual_fees
Foreign Fee
foreign_transaction_fee
Affiliate Link via CardRatings
card_name
Intro Bonus
bonus_miles_full
Mini Review
Rewards are earned as Ultimate Rewards® points that can be redeemed for cash, travel, gift cards, and more. It has no annual fee and offers a very attractive rewards structure: 5% cash back on office supply stores, internet, cable, and phone services on the first $25,000 spent each account anniversary year, 2% on restaurants and gas stations on the first $25,000 spent each account anniversary year, and 1% on other purchases. Rewards can be combined with other cards like the Chase Sapphire Preferred®, Chase Sapphire Reserve®, or Chase Ink Business Preferred® for greater travel value.
Points
Ultimate Rewards®
Annual Fee
annual_fees
Foreign Fee
foreign_transaction_fee
Affiliate Link via CardRatings
card_name
Intro Bonus
bonus_miles_full
Mini Review
Rewards are earned as Ultimate Rewards® points that can be redeemed for cash, travel, gift cards, and more. It has no annual fee and offers a simple rewards structure: 1.5% cash back on all purchases, with no limit. Rewards can be combined with other cards like the Chase Sapphire Preferred®, Chase Sapphire Reserve®, or Chase Ink Business Preferred® for greater travel value.
Points
Ultimate Rewards®
Annual Fee
annual_fees
Foreign Fee
foreign_transaction_fee
Affiliate Link via CardRatings
card_name
Intro Bonus
bonus_miles_full
Mini Review
One of the best business cards due to its generous welcome bonus, rewards structure, and low annual fee of $95. It earns Ultimate Rewards® points that are worth 25% more when redeemed through Chase Travel℠, and can also be transferred to 11 airline loyalty programs and 3 hotel loyalty programs. It has no foreign transaction fees and its reward structure includes 3x points per dollar on the first $150,000 spent annually on travel, shipping, social media and search engine advertising, internet, cable, and phone services, and 1x point per dollar on all other purchases. Points from other Chase cards can be combined with this one for greater value when used for travel.
Points
Ultimate Rewards®
Annual Fee
annual_fees
Foreign Fee
foreign_transaction_fee
Affiliate Link via CardRatings
card_name
Intro Bonus
bonus_miles_full
Mini Review
Rewards are earned as Ultimate Rewards® points, which can be redeemed for cash back, travel, gift cards, and more. The card has no annual fee and offers a competitive rewards structure: 5% on travel booked through Chase Travel℠, 3% on dining and drugstores, and 1.5% on all other purchases. Rewards can be combined with other cards like the Chase Sapphire Preferred®, Chase Sapphire Reserve®, or Chase Ink Business Preferred® to get more value for travel.
Points
Ultimate Rewards®
Annual Fee
annual_fees
Foreign Fee
foreign_transaction_fee
Personal referral link
Chase Freedom Flex®
Intro Bonus
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
Mini Review
Rewards are earned as Ultimate Rewards® points, which can be redeemed for cash back, travel, gift cards, and more. The card has no annual fee and offers an attractive rewards structure: 5% on travel purchased through Chase Travel℠, 5% on rotating quarterly categories (up to $1,500 spent), 3% on dining and drugstores, and 1% on all other purchases. Rewards can be combined with other cards like the Chase Sapphire Preferred®, Chase Sapphire Reserve®, or Chase Ink Business Preferred® to get more value for travel.
Points
Ultimate Rewards®
Annual Fee
$0
Foreign Fee
3%
Capital One
Affiliate Link via CardRatings
card_name
Intro Bonus
bonus_miles_full
Mini Review
One of our favorite premium travel cards since the benefits easily justify its annual fee of $395. It earns Capital One Miles, which can be redeemed in various ways, with the best option being transferring them to Capital One’s loyalty program partners. There are no foreign transaction fees, and it offers 10x miles per dollar on hotels and car rentals booked through Capital One Travel, 5x miles per dollar on flights booked through Capital One Travel, and 2x miles per dollar on all other purchases. Additional benefits include a $300 annual travel credit, 10,000 bonus miles each anniversary, unlimited access to Capital One lounges, and a Priority Pass membership.
Points
Capital One Miles
Annual Fee
annual_fees
Foreign Fee
foreign_transaction_fee
Bilt Mastercard®
Intro Bonus
No bonus
Mini Review
One of our favorite premium travel cards since the benefits easily justify its annual fee of $395. It earns Capital One Miles, which can be redeemed in various ways, with the best option being transferring them to Capital One’s loyalty program partners. There are no foreign transaction fees, and it offers 10x miles per dollar on hotels and car rentals booked through Capital One Travel, 5x miles per dollar on flights booked through Capital One Travel, and 2x miles per dollar on all other purchases. Additional benefits include a $300 annual travel credit, 10,000 bonus miles each anniversary, unlimited access to Capital One lounges, and a Priority Pass membership.
Points
Bilt Points
Annual Fee
$0
Foreign Fee
0%
American Express
Terms Apply. Enrollment may be required for certain American Express benefits and offers.
card_name
Intro Bonus
bonus_miles_full
Mini Review
The American Express® Gold Card earns Membership Rewards® points that can be redeemed in various ways, with the most valuable option being transferring them to American Express partner loyalty programs. The card does not charge foreign transaction fees and offers a compelling rewards structure: 4x points per dollar at U.S. supermarkets (up to $25,000 annually), 4x points per dollar at restaurants worldwide, including takeout and delivery in the U.S., 3x points per dollar on flights booked directly with airlines or on AmexTravel.com, and 1x point per dollar on other eligible purchases. Additionally, the card provides up to $120 in Uber Cash and up to $120 in dining credits annually, distributed monthly (enrollment required). Also, you can get up to $100 in statement credits each calendar year to dine at U.S. Resy restaurants or make other eligible Resy purchases (up to $50 in statement credits from January through June and up to $50 in statement credits from July through December). While the annual fee is $325, it can be advantageous for those with significant spending on groceries/dining who also use their points for travel and take advantage of the monthly credits.
Points
Membership Rewards®
Annual Fee
annual_fees
Foreign Fee
foreign_transaction_fee
card_name
Intro Bonus
bonus_miles_full
Mini Review
The Platinum Card® from American Express offers an extensive range of travel benefits and additional credits that can be valuable for frequent travelers. It earns Membership Rewards® points that can be redeemed in various ways, but the best option is typically transferring them to American Express partner loyalty programs. The card does not charge foreign transaction fees and offers 5x points per dollar on flights booked directly with airlines or through American Express Travel® (up to $500,000 in purchases per calendar year), 5x points per dollar on prepaid hotels booked through AmexTravel.com, and 1x point per dollar on other eligible purchases.
Points
Membership Rewards®
Annual Fee
annual_fees
Foreign Fee
foreign_transaction_fee
card_name
Intro Bonus
bonus_miles_full
Mini Review
While it doesn’t offer the best welcome bonus, this is one of the few American Express cards that earns Membership Rewards® points with no annual fee. It can be an excellent complement for straightforward points earning, as it earns 2x points per dollar on all categories, up to $50,000 spent per year.
Points
Membership Rewards®
Annual Fee
annual_fees
Foreign Fee
foreign_transaction_fee
Advertiser Disclosure
Some or all of the card offers that appear on this website are from advertisers. Compensation may impact on how and where card products appear on this website. This website does not include all card companies or all available card offers.
Endeuda2 has partnered with CardRatings for our coverage of credit card products. Endeuda2 and CardRatings may receive a commission from card issuers.
Editorial Disclosure
Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
Endeuda2 has partnered with CardRatings for our coverage of credit card products. Endeuda2 and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on this website are from advertisers. Compensation may impact on how and where card products appear on this website. This website does not include all card companies or all available card offers.
Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.