Best Credit Cards – September 2023

To make choosing your next card a bit easier, we've ranked the best credit card offers below with an eye toward those that can help you book luxury travel. Factors include: the welcome/sign-up bonus, bonus categories, and perks/benefits.

We strive to find the best offers available even if we won't earn a commission or earn a referral bonus. If you think we've missed a better offer, please let us know so we can investigate.

Let's get straight to the point(s). We may earn a commission or referral bonus if you use the links on this page. We do our best to keep track of the best credit card offers publicly available. The opinions expressed here are the author's alone and have not been reviewed, approved, or endorsed by outside parties. Please see our advertiser policy for further details. Thanks so much for your support.

Best Credit Cards

Chase Ink Business Preferred
Under 5/24
Current Offer
100,000 Chase Ultimate Reward Points
after you spend $8,000 on purchases in the first 3 months after account opening
Annual Fee
$95
Terms apply.
Why We Like It

It’s tough to find a better business card with transferable points. Businesses can earn 3x points on a bunch of categories up to $150k per year. Plus, it comes with a great cell phone protection benefit.

Chase Sapphire Preferred® Card
Under 5/24
Current Offer
60,000 Chase Ultimate Reward Points
after you spend $4,000 on purchases in the first 3 months from account opening.
Annual Fee
$95
Terms apply.
Why We Like It

A go-to for beginners. It's an easy way to earn more points with bonus categories on travel, dining and more. Plus, you can transfer points to airline and hotel partners.

Chase Ink Business Unlimited®
Under 5/24
Current Offer
$900 Cash Back
after you spend $6,000 in 3 months. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
Annual Fee
$0
Terms apply.
Why We Like It

While listed as a cashback card, you can combine the points you earn with another Ultimate Rewards card. That will allow you to transfer the points from the Ink Unlimited to airline and hotel partners.

Chase Ink Business Cash®
Under 5/24
Current Offer
$7900 Cash Back
after you spend $6,000 in 3 months. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
Annual Fee
$0
Terms apply.
Why We Like It

While listed as a cashback card, you can combine the points you earn with another Ultimate Rewards card. That will allow you to transfer the points from the Ink Cash to airline and hotel partners.

Chase Sapphire Reserve®
Under 5/24
Current Offer
70,000 Chase Ultimate Rewards Points
after you spend $4,000 in the first 3 months of account opening. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
Annual Fee
$550
Terms apply.
Why We Like It

The big brother of the Sapphire Preferred, it's a good option if you want lounge access and the ability to redeem points at 1.5 cents per point. It’s possible to get a 70,000-point bonus offer by logging into your Chase account.

The Marriott Bonvoy Boundless Card
Under 5/24
Current Offer
5 Free Nights
Earn 3 free nights (up to 50,000 each) after you spend $5,000 on purchases in the first 3 months from account opening. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
Annual Fee
$95
Terms apply.
Why We Like It

You’ll receive an annual free night certificate (worth up to 35k points) and 15 elite night credits which make it much easier to earn Platinum Elite status.

British Airways Visa Signature
Under 5/24
Current Offer
75,000 Avios
after $5,000 spent on purchases in the first 3 months
Annual Fee
$95
Terms apply.
Why We Like It

Earn a Travel Together (2-for-1) ticket after spending $30,000 in a calendar year.

Iberia Visa Signature
Under 5/24
Current Offer
75,000 Avios
after you spend $5,000 on purchases within the first 3 months of account opening.
Annual Fee
$95
Terms apply.
Why We Like It

10% discount on Iberia flights and a $1,000 discount voucher if you spend $30,000 in a calendar year.

Aer Lingus Visa Signature®
Under 5/24
Current Offer
75,000 Avios
after you spend $5,000 on purchases within the first 3 months of account opening.
Annual Fee
$95
Terms apply.
Why We Like It

Earn a Companion Ticket after spending $30,000 in a calendar year.

United Quest℠
Under 5/24
Current Offer
70,000 United Miles
Earn 70,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.
Annual Fee
$250
Terms apply.
Why We Like It

The United Quest Card is probably the co-branded United card overall with a nice bonus plus ways for United flyers to offset the annual fee.

The Aeroplan Card
Under 5/24
Current Offer
Up to 100,000 Aeroplan Points
Earn 60,000 points after you spend $4,000 on purchases in the first three months your account is open. Plus, earn 40,000 points after you spend $20,000 in the first 12 months.
Annual Fee
$95
Terms apply.
Why We Like It

An easy way to earn points for award tickets on Star Alliance carriers, Etihad, and more. 3x at grocery stores is a great bonus category.

United℠ Explorer Card
Under 5/24
Current Offer
60,000 United Miles
Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
Annual Fee
$95 $0 for your first year, then $95.
Terms apply.
Why We Like It

The Explorer Card lost a bit of its luster with the launch of the Quest Card. However, with a good welcome bonus, the lower annual fee and free checked bag perk might be enough for some folks.

United Club℠ Infinite
Under 5/24
Current Offer
80,000 United Miles
Earn 80,000 bonus miles and 1,000 Premier qualifying points after you spend $5,000 on purchases in the first 3 months your account is open
Annual Fee
$525
Terms apply.
Why We Like It

The best perk is the United Club membership. When flying United or Star Alliance carriers, this provides access to United Clubs (plus children or two guests) and many Star Alliance business class lounges (plus one guest on your flight).

United℠ Business Card
Under 5/24
Current Offer
50,000 Bonus Points
after you spend $5,000 on purchases in the first 3 months your account is open.
Annual Fee
$99 $0 for your first year, then $99.
Terms apply.
Why We Like It

A solid option to earn some more United miles for United or Star Alliance flights.

IHG® One Rewards Premier Credit Card
Under 5/24
Current Offer
140,000 Bonus Points
after spending $3,000 on purchases in the first 3 months from account opening. Plus, you'll earn up to $100 in IHG statement credit toward purchases at IHG that can be used within 12 months of account opening.
Annual Fee
$99
Terms apply.
Why We Like It

A free night certificate on your account anniversary worth up to 40k points, 4th night free on award bookings, and Platinum Elite status make this a card worth considering.

IHG Rewards Premier Business Credit Card
Under 5/24
Current Offer
140,000 IHG Points
after spending $3,000 on purchases in the first 3 months from account opening
Annual Fee
$99
Terms apply.
Why We Like It

A solid option for business owners (and anyone with a side hustle) to earn some IHG points.

World of Hyatt Business Card
Under 5/24
Current Offer
Up to 75,000 Bonus Points
60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening. Additionally, earn 15K Bonus Points after you spend $12,000 in the first 6 months.
Annual Fee
$199
Terms apply.
Why We Like It

A solid welcome bonus plus the ability to earn elite nights per $10,000, it’s a great business card option for those who like Hyatt.

The World of Hyatt Card
Under 5/24
Current Offer
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. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
Annual Fee
$95
Terms apply.
Why We Like It

You’ll get an annual free night certificate for a Category 1-4 property and you can earn a second by spending $15,000 in a year. You’ll get 5 elite nights each year with the card plus you can earn 2 elite nights per $5,000 spent.

The Business Platinum Card® from American Express
Over 5/24
Current Offer
Up to 200,000 Membership Rewards® Points
190,000 points after you spend $15,000 within the first 3 months + 10,000 points after you add an employee card and spend an additional $1,000. Important: This offer is only available over the phone. Call 855-531-3491 and enquire about applying. A phone rep will let you know the welcome offer. If they don't mention the 190k+10k offer, let them know you heard about the offer and ask if it's available. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
Annual Fee
$695
Terms apply.
Why We Like It

A card packed with perks and statement credits for small business owners.

The Platinum Card® from American Express
Over 5/24
Current Offer
150,000 Membership Rewards® Points
Earn 150,000 after you spend $8,000 on purchases in your first 6 months of Card Membership. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
Annual Fee
$695
Terms apply.
Why We Like It

A great card for lounge access, statement credits, and premium cabin flight discounts. The best offer is currently via personal referral. Click "Learn More" below to apply via referral.

American Express® Gold Card
Over 5/24
Current Offer
Up to 90,000 Membership Rewards® Points
after you spend $4,000 within the first 6 months. Note: These card details have been collected independently by STTP and have not been provided by the card issuer.
Annual Fee
$250
Terms apply.
Why We Like It

One of the best cards for earning Amex points thanks to 4x on groceries (up to $25k per year) and 4x at restaurants. The best offer is currently via personal referral. Click "Learn More" below to apply via referral.

Capital One Venture X Business
Over 5/24
Current Offer
150,000 Venture Miles
once you spend $30,000 in the first 3 months from account opening
Annual Fee
$395
Terms apply.
Why We Like It

An easy way to earn 2x on all of your business spend and get a bunch of travel perks.

Capital One Venture X®
Over 5/24
Current Offer
90,000 Venture Miles
once you spend $4,000 on purchases within the first 3 months from account opening.
Annual Fee
$395
Terms apply.
Why We Like It

One of my favorite cards on the market right now. I regularly use it to earn 2x on spend that otherwise would earn 1x. Throw in lounge access and up to 3 free authorized users (who also get lounge access), and you have something special.

Capital One Venture Rewards Credit Card
Over 5/24
Current Offer
75,000 Capital One Miles
once you spend $4,000 on purchases within 3 months from account opening.
Annual Fee
$95
Terms apply.
Why We Like It

It’s a solid card that earns 2x on everything if you’re nervous about the Venture X’s annual fee. Still, anyone who travels a decent bit should really consider the Venture X. Just run the numbers and you’ll see!

Citi Premier Card
Over 5/24
Current Offer
60,000 Citi ThankYou Points
after making $4,000 in purchases with your card within the first 3 months of account opening. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
Annual Fee
$95
Terms apply.
Why We Like It

Not only is this card the best way to start earning valuable ThankYou Points, but it has some great 3x bonus categories and an annual $100 hotel credit. Not bad for a card with a low annual fee.

American Express® Business Gold Card
Over 5/24
Current Offer
70,000 Membership Rewards® Points
after you spend $10,000 in eligible purchases on the Card within your first 3 months of Card Membership.
Annual Fee
$295
Terms apply.
Why We Like It

Earn 4x on a bunch of categories on up to $200k per calendar year. It's possible to get a welcome offer for 130k points but it's highly targeted.

Lufthansa Miles & More World Elite Mastercard
Over 5/24
Current Offer
100,000 Miles & More Points
Earn 100,000 award miles if you spend $3,000 in purchases and pay the annual fee, both within the first 90 days.
Annual Fee
$89
Terms apply.
Why We Like It

With Miles & More miles, you can access Lufthansa first class award space earlier than Star Alliance partners.

Alaska Airlines Visa Card
Over 5/24
Current Offer
70,000 Alaska Miles
plus a $100 statement credit and Alaska's Famous Companion Fare™ from $122 ($99 fare plus taxes and fees from $23) with this offer. To qualify make $3,000 or more in purchases within the first 90 days of opening your account. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
Annual Fee
$95
Terms apply.
Why We Like It

Alaska miles are great for business and first class flights to Asia. Currently, this is your best option for earning Alaska miles.

Air France KLM World Elite Mastercard
Over 5/24 Offer ending soon
Current Offer
70,000 Flying Blue Miles
Earn 70,000 Bonus Miles and 40 XP after you make at least $2,000 in purchases within the first 90 days of your account opening. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
Annual Fee
$89
Terms apply.
Why We Like It

3 Miles per $1 spent directly on Air France, KLM Royal Dutch Airlines and SkyTeam member airlines purchases

Hilton American Express Aspire Card
Over 5/24
Current Offer
150,000 Hilton Honors Points
after spending $4,000 within the first three months. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
Annual Fee
$450
Terms apply.
Why We Like It

Provides Diamond status which makes it an excellent card for those who regularly stay at Hilton properties. You’ll also receive a free weekend night certificate your first year and after you renew each year.

Capital One Spark Miles for Business
Over 5/24
Current Offer
50,000 Capital One Miles
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
Annual Fee
$0 $0 intro for first year; $95 after that
Terms apply.
Why We Like It

A slightly cheaper alternative to the Spark Cash Plus. You still earn 2x on all spend but you’ll have a credit limit. If you don’t have as much business spend, this could be a good choice to earn Capital One miles.

Citi / AAdvantage Executive World Elite Mastercard
Over 5/24
Current Offer
70,000 AAdvantage Miles
Bonus miles earned after $7,000 in purchases within the first 3 months of account opening. Plus, enjoy a complimentary Admirals Club membership (a value of up to $850).
Annual Fee
$595
Terms apply.
Why We Like It

The Citi AAdvantage Executive card is designed for people who regularly fly American Airlines and want lounge access. You can also get a Loyalty Points boost to help you earn the next level of elite status with American AAdvantage.

Citi / AAdvantage Platinum Select World Elite Mastercard
Over 5/24
Current Offer
50,000 AAdvantage® Miles
after $2,500 in purchases within the first 3 months of account opening. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
Annual Fee
$99 $0 for your first year, then $99.
Terms apply.
Why We Like It

If you need a big chunk of American miles and would like a free checked bag on your domestic American flights, look no further.

CitiBusiness / AAdvantage Platinum Select World Elite MasterCard
Over 5/24
Current Offer
65,000 AAdvantage Miles
after spending $4,000 in purchases within the first 4 months of account opening. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
Annual Fee
$99 $0 for your first year, then $99.
Terms apply.
Why We Like It

This card offers a great welcome bonus that can help you book some fun business (and first) class flights. You also get a free checked bag on domestic American flights.

AAdvantage Aviator Red World Elite MasterCard
Over 5/24
Current Offer
50,000 AAdvantage® Miles
after your first purchase and payment of the $99 annual fee. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
Annual Fee
$99
Terms apply.
Why We Like It

Quite possibly the easiest welcome bonus to earn as you’ll need to make just one purchase. It doesn’t hurt that the miles you’ll earn are valuable American miles.

Alaska Airlines Visa Business Card
Over 5/24
Current Offer
50,000 Alaska Miles
plus a $100 statement credit and Alaska’s Famous Companion Fare™ from $121 ($99 fare plus taxes and fees from $22) with this offer. To qualify, make $2,000 or more in purchases within the first 90 days of opening your account.
Annual Fee
$75
Terms apply.
Why We Like It

Alaska miles are great for business and first class flights to Asia. It may be possible to get a better offer by going through the process to book flight.

Marriott Bonvoy Business American Express Card
Over 5/24 Offer ending soon
Current Offer
125,000 Marriott Bonvoy Points
Limited Time Offer: Earn 125,000 Bonus Marriott Bonvoy Points after you use your new Card to make $8,000 in purchases within the first 6 months of Card Membership. Offer Ends 11/1/23.
Annual Fee
$125
Terms apply.
Why We Like It

A solid welcome bonus, 15 elite night credits each year, plus an annual free night certificate (up to 35,000 points) makes this a solid business card option for those who stay with Marriott.

AAdvantage Aviator World Elite Business Mastercard
Over 5/24
Current Offer
Up to 75,000 AAdvantage Miles
Earn 60,000 bonus miles after spending $5,000 on purchases in the first 90 days. Plus, earn 15,000 bonus miles after spending a total of $15,000 on purchases in the first 12 months. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
Annual Fee
$95
Terms apply.
Why We Like It

A solid business card if you want to earn some American miles. You’ll receive a 5% bonus on the AA miles earned via this card after your account anniversary.

American Express® Green Card
Over 5/24
Current Offer
40,000 Membership Rewards® Points
Earn 40,000 Membership Rewards Points after you spend $3,000 on purchases on your new Card in your first 6 months of Card Membership. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
Annual Fee
$150
Terms apply.
Why We Like It

A lower annual fee than the Platinum or Gold, the Green Card is a solid earner with 3x on dining and travel. You’ll also get an annual $100 credit for both a CLEAR membership and LoungeBuddy. Just make sure you apply for the best welcome offer.

Capital One Spark Cash Plus
Over 5/24
Current Offer
up to $1,200 Cash back
Earn $1,200 when you spend $30,000 in the first 3 months.
Annual Fee
$150
Terms apply.
Why We Like It

Listed as a cashback card, you can turn the cash into transferable points by moving the ot to a card that earns Capital One miles (e.g. Venture X). It’s also a charge card so there’s no set limit if you have large business expenses.

Hilton Honors American Express Surpass Card
Over 5/24
Current Offer
130,000 Hilton Honors Points
Earn 130,000 Hilton points after you spend $2,000 in purchases on the Card in the first 3 months Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
Annual Fee
$95
Terms apply.
Why We Like It

Cardholders receive complimentary Hilton Gold status. Earn a Free Night Reward when you spend $15,000 in a calendar year. Earn Diamond by spending $40,000 on the card in a calendar year.

The Hilton Honors American Express Business Card
Over 5/24
Current Offer
150,000 Hilton Honors Points
Earn 150,000 Hilton points after spending $4,000 within the first three months. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
Annual Fee
$95
Terms apply.
Why We Like It

As a cardholder you’ll get Hilton Gold status which provides free breakfast at many Hilton brands. Additionally, you can earn up to two free weekend night certificates. You’ll also receive 10 passes to Priority Pass lounges.

Marriott Bonvoy Brilliant™ American Express® Card
Over 5/24
Current Offer
95,000 Marriott Bonvoy 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.
Annual Fee
$650
Terms apply.
Why We Like It

The annual $300 Marriott credit plus an annual free night certificate worth up to 50,000 points can really help offset the annual fee. It also comes with Priority pass Select membership so you can access plenty of airport lounges. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.

Hilton Honors Card
Over 5/24
Current Offer
80,000 Hilton Honors Points
Earn 80,000 Hilton points after you spend $1,000 in purchases on the Card in the first 3 months. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
Annual Fee
$0
Terms apply.
Why We Like It

Cardholders receive Hilton Silver status. Earn Gold Status when you spend $20,000 on the Card in a calendar year.

Wyndham Rewards Earner Plus Card
Over 5/24
Current Offer
75,000 Wyndam Points
after spending $1,000 on purchases in the first 90 days. Free nights can require up to 30,000 points per bedroom at participating properties and are subject to availability. Resort fees may apply and cannot be paid with points. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
Annual Fee
$75
Terms apply.
Why We Like It

You get complimentary Platinum status + 7,500 points on your account anniversary.

Wyndham Rewards Earner Business Card
Over 5/24
Current Offer
75,000 Wyndam Points
Earn 50,000 bonus points after spending $3,000 on purchases in the first 90 days and earn 25,000 bonus points after spending $10,000 within the first 12 months. Free nights can require up to 30,000 points per bedroom at participating properties and are subject to availability. Resort fees may apply and cannot be paid with points. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
Annual Fee
$75
Terms apply.
Why We Like It

You get complimentary Diamond status + 15,000 points on your account anniversary.

Bilt Rewards
Current Offer
up to 100,000 Bilt Rewards points
Up to 100,000 Bilt Rewards points on rent per year
Annual Fee
$0
Terms apply.
Why We Like It

Most people can't earn points on rent easily or without paying processing fees. The Bilt Card solves that problem. Plus, the card comes with other useful benefits.

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