Best Credit Cards — December 2024

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.

Best travel credit cards

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Chase Sapphire Preferred® Card
CURRENT OFFER
60,000
Points
Earn 60,000 bonus points after $4,000 in purchases in your 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 Preferred
CURRENT OFFER
90,000
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 Ink Business Unlimited®
CURRENT OFFER
$750
Cash Back
after you spend $6,000 in 3 months.
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®
CURRENT OFFER
Up To $750
Cash Back
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
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®
CURRENT OFFER
60,000
Chase Ultimate Rewards Points
after you spend $4,000 on purchases in the first 3 months from account opening.
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.
British Airways Visa Signature
CURRENT OFFER
Ending soon
100,000
Avios
Earn 100,000 Avios after you spend $7,500 on purchases within the first 6 months of account opening.
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
CURRENT OFFER
Ending soon
100,000
Avios
Earn 100,000 Avios after you spend $7,500 on purchases within the first 6 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®
CURRENT OFFER
Ending soon
100,000
Avios
Earn 100,000 Avios after you spend $7,500 on purchases within the first 6 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.
The Marriott Bonvoy Boundless Card
CURRENT OFFER
3
Free Nights
(Valued up to 150,000 points) after you spend $3,000 on eligible purchases within the first 3 months from account opening with your Marriott Bonvoy Boundless® credit card. Certain hotels have resort fees.* 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.
Aeroplan Credit Card
CURRENT OFFER
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.
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℠ Business Card
CURRENT OFFER
75,000
United Miles
Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
ANNUAL FEE
$99
Terms apply
WHY WE LIKE IT
A solid option to earn some more United miles for United or Star Alliance flights.
United Quest℠
CURRENT OFFER
Ending soon
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.
United Club℠ Infinite
CURRENT OFFER
80,000
United Miles
Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
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℠ Explorer Card
CURRENT OFFER
Ending soon
60,000
United Miles
Earn 60,000 miles after you spend $3,000 on purchases in the first 3 months your account is open.
ANNUAL FEE
$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.
World of Hyatt Business Credit Card
CURRENT OFFER
60,000
Bonus Points
after you spend $5,000 on purchases in your first 3 months from account opening
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.
IHG® One Rewards Premier Credit Card
CURRENT OFFER
140,000
Bonus Points
Earn 140,000 Bonus 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 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
CURRENT OFFER
140,000
IHG Points
Earn 140,000 Bonus Points after spending $4,000 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.
Chase Freedom Unlimited®
CURRENT OFFER
$250
Cash Back
Earn a $250 bonus after you spend $500 on purchases in the first 3 months from account opening
ANNUAL FEE
$0
Terms apply
WHY WE LIKE IT
It might technically earn cashback but, when paired with a Sapphire or Ink Preferred, your points can be transferred to partners. Thanks to great 3% bonus categories and 1.5% back on all other spend, this is a great supplementary card.
World of Hyatt Credit Card
CURRENT OFFER
Up to 60,000
Points
Earn 30,000 points after spending $3,000 on purchases in the first 3 months from account opening. Earn 2x on unbonused spend in the first 6 months up to $15,000 in spend. This is really just 1x extra point since you'd earn 1x anyway, so you could say this bonus is actually up to 45,000 points.
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.
Chase Freedom Flex℠
CURRENT OFFER
$200
Cash Back
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
ANNUAL FEE
$0
Terms apply
WHY WE LIKE IT
It might technically earn cashback but, when paired with a Sapphire or Ink Preferred, your points can be transferred to partners. Thanks to great 3% bonus categories and rotating quarterly 5% bonus categories, this is a great supplementary card.
Southwest Rapid Rewards® Performance Business Card
CURRENT OFFER
80,000
Rapid Rewards® Points
Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
ANNUAL FEE
$199
Terms apply
WHY WE LIKE IT
A great option to help you earn the Southwest Companion Pass. Plus, you’ll receive 4 upgraded boardings each year and 9,000 Rapid Rewards points upon renewal.
Southwest Rapid Rewards® Priority Card
CURRENT OFFER
85,000
Rapid Rewards® Points
Earn 40,000 points + a $400 statement credit after spending $3,000 on purchases in the first 3 months from account opening.
ANNUAL FEE
$149
Terms apply
WHY WE LIKE IT
Quite possibly the best personal Southwest card of the bunch. You get 4 upgraded boardings each year, 7,500 Rapid Rewards points upon renewal, and a $75 Southwest credit each year. And, of course, it can help you earn the Southwest Companion Pass.
Southwest Rapid Rewards® Plus
CURRENT OFFER
Ending soon
40,000
Rapid Rewards® Points
Earn 40,000 bonus points + a $400 statement credit after spending $3,000 on purchases in the first 3 months from account opening.
ANNUAL FEE
$69
Terms apply
WHY WE LIKE IT
With no annual fee, this card can help you earn the Southwest Companion Pass. You’ll also receive 2 upgraded boardings each year as well as 3,000 Rapid Rewards points upon renewal.
Southwest Rapid Rewards® Premier
CURRENT OFFER
Ending soon
40,000
Rapid Rewards® Points
Earn 40,000 points + a $400 statement credit after you spend $3,000 on purchases in the first 3 months your account is open.
ANNUAL FEE
$99
Terms apply
WHY WE LIKE IT
A cheaper alternative to the Southwest Priority card, you’ll receive 2 upgraded boardings each year as well as 6,000 Rapid Rewards points upon renewal. Points you earn with this card count toward the Southwest Companion Pass.
IHG One Rewards Traveler Credit Card
CURRENT OFFER
80,000
Bonus Points
Earn 80,000 Bonus Points after spending $2,000 on purchases within the first 3 months of account opening.
ANNUAL FEE
$0
Terms apply
WHY WE LIKE IT
Even with no annual fee, you can get a 4th night free on your award stays. Personally, I’d prefer the IHG Premier Card.
Capital One Venture Rewards Credit Card
CURRENT OFFER
75,000
Capital One Miles
Limited-time offer: For a limited time, earn 75,000 Miles once you spend $4,000 on purchases within the first 3 months of account opening, plus receive a one-time $250 Capital One Travel credit in your first cardholder year – that’s equal to $1,000 in travel
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!
The Platinum Card® from American Express
CURRENT OFFER
Up to 175,000
Membership Rewards® Points
Earn 175,000 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
CURRENT OFFER
Up to 100,000
Membership Rewards® Points
after you spend $6,000 in eligible purchases on your American Express Gold Card within the 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. Open browser in Incognito mode for the best chance at the 100,000 offer.
ANNUAL FEE
$325
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.
The Business Platinum Card® from American Express
CURRENT OFFER
250,000
Membership Rewards® Points
after you spend $20,000 in eligible purchases on the Card within your first 3 months of Card Membership.
ANNUAL FEE
$695
Terms apply
WHY WE LIKE IT
A card packed with perks and statement credits for small business owners.
American Express® Business Gold Card
CURRENT OFFER
Up to 200,000
Membership Rewards® Points
after you spend $15,000 in eligible purchases on the Card within your first 3 months of Card Membership. See the card review for details on getting the best offer. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
ANNUAL FEE
$375
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.
Capital One Venture X®
CURRENT OFFER
75,000
Venture Miles
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months.
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.
Citi Strata Premier Card
CURRENT OFFER
Ending soon
75,000
Citi ThankYou Points
after making $4,000 in purchases with your card within the first 3 months of account opening.
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.
Capital One Venture X Business
CURRENT OFFER
150,000
Venture Miles
Earn 150,000 bonus 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 Spark Cash Select for Excellent Credit
CURRENT OFFER
$750
Cash back
Earn a $750 bonus when you spend $7,500 in the first 3 months of account opening
ANNUAL FEE
$0
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).
Capital One Spark Cash Plus
CURRENT OFFER
$2,000
Cash back
Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
ANNUAL FEE
$150
Terms apply
WHY WE LIKE IT
Listed as a cash back card, you can turn the cash into transferable points by moving the cash back to a card that earns Capital One Miles (i.e. Capital One Venture X). It’s also a charge card so there’s no set limit if you have large business expenses.
Citi / AAdvantage Executive World Elite Mastercard
CURRENT OFFER
10075
AAdvantage Miles
Earn 75,000 miles after $7,500 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 Business World Elite Mastercard
CURRENT OFFER
75,000
AAdvantage Miles
after spending $5,000 in purchases within the first 5 months of account opening.
ANNUAL FEE
$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.
Citi / AAdvantage Platinum Select World Elite Mastercard
CURRENT OFFER
50,000
AAdvantage® Miles
after $2,500 in purchases within the first 3 months of account opening.
ANNUAL FEE
$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.
Alaska Airlines Visa Card
CURRENT OFFER
75,000
Alaska Miles
Get 75,000 bonus miles plus Alaska’s Famous Companion Fare ($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.
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. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
Alaska Airlines Visa Business Card
CURRENT OFFER
50,000
Alaska Miles
Get 50,000 bonus miles plus Alaska’s Famous Companion Fare from $122 ($99 fare plus taxes and fees from $23) after you make $3,000 or more in purchases within the first 90 days of opening your account.
ANNUAL FEE
$95
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.
AAdvantage Aviator Red World Elite MasterCard
CURRENT OFFER
Up to 70,000
AAdvantage® Miles
after making your first purchase in the first 90 days. 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.
Marriott Bonvoy Business American Express Card
CURRENT OFFER
3 Free Nights
Marriott Bonvoy Points
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.
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.
Capital One Spark Miles for Business
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
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.
Hilton American Express Aspire Card
CURRENT OFFER
175,000
Hilton Honors Points
after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 7/31/2024. 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.
American Express® Green Card
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.
Citi Double Cash Card
CURRENT OFFER
20,000
ThankYou Points
when you spend $1,500 in the first 6 months
ANNUAL FEE
$0
Terms apply
WHY WE LIKE IT
Pair this no annual fee card with the Citi Premier and the cash back you earn can become transferable ThankYou Points. Since you’ll earn 2x on all purchases, this card makes sure you never have to earn 1x.
Hilton Honors American Express Surpass Card
CURRENT OFFER
Ending soon
165,000
Hilton Honors Points
after you spend $3,000 in purchases on the Card in the first 6 months.
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.
Hilton Honors American Express Business Card
CURRENT OFFER
175,000
Hilton Honors Points
after spending $8,000 within the first 6 months.
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.
Hilton Honors Card
CURRENT OFFER
100,000
Hilton Honors Points
after you spend $2,000 in purchases in the first 6 months.
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.
Marriott Bonvoy Bevy
CURRENT OFFER
85,000
Bonus Points
Earn 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership.
ANNUAL FEE
$250
Terms apply
WHY WE LIKE IT
Marriott Bonvoy Brilliant™ American Express® Card
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.
Wyndham Rewards Earner Plus Card
CURRENT OFFER
75,000
Wyndam Points
Earn 75,000 points after spending $2,000 on purchases in the first six months. 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
CURRENT OFFER
Up to 80,000
Wyndam Points
Earn 40,000 bonus points after spending $4,000 on purchases in the first 90 days and earn 40,000 bonus points after spending $15,000 on purchases within 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
$75
Terms apply
WHY WE LIKE IT
You get complimentary Diamond status + 15,000 points on your account anniversary.
Bilt Mastercard
CURRENT OFFER
up to 100,000
Bilt Rewards points
Up to 100,000 Bilt Rewards points on rent per year. Use the card 5 times during statement period to earn points.
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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