Best Credit Cards — October 2025

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.

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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Atmos™ Rewards Summit Visa Infinite® Credit Card
CURRENT OFFER
100K points & 25K-point Global Companion Award
Atmos Rewards points
after spending $6,000 within the first 90 days.
ANNUAL FEE
$395
Terms apply
WHY WE LIKE IT
The Atmos Rewards Summit sets itself apart with the ability to earn 3x on purchases abroad and an annual 25,000-mile companion award.
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 from account opening, equal to $750 in travel
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
CURRENT OFFER
75,000
Capital One Miles
Earn 75,000 Miles once you spend $4,000 on purchases within 3 months from account opening. Plus, you can receive a $250 Capital One Travel credit valid for 12 months.
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 points
Membership Rewards® Points
As High As 175,000 points. Find Out Your Offer. You may be eligible for as high as 175,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
ANNUAL FEE
$895
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
As High As 100,000 points. Find Out Your Offer. You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an 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
200,000
Membership Rewards® Points
after you spend $20,000 in eligible purchases on your Card within the first 3 months of Card Membership.
ANNUAL FEE
$895
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
100,000
Membership Rewards® Points
100K points after $15K spend in 3 months.
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.
Citi Strata Premier Card
CURRENT OFFER
60,000
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.
Citi Strata Elite
CURRENT OFFER
80,000
Citi ThankYou Points
after making $4,000 in purchases with your card within the first 3 months of account opening.
ANNUAL FEE
$595
Terms apply
WHY WE LIKE IT
If you fly American Airlines a few times per year, the Strata Elite's four annual lounges passes could be quite useful but you can still can still earn transferable points.
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 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.
Capital One Spark Cash
CURRENT OFFER
$1,000
Cash back
Earn a $1,000 cash bonus when you spend $10,000 within 3 months of account opening
ANNUAL FEE
$0 intro for first year; $95 after that
Terms apply
WHY WE LIKE IT
The Capital One Spark Cash is arguably one of the most lucrative cash back business credit card out there. Unlimited 2% cash back is pretty tough to beat, especially if you don’t want to learn the ins-and-outs of redeeming miles. The card also has an excellent welcome bonus, as well as the annual fee waived for the first year. For a vast majority of businesses, I think a card like this is a great option for earning generous yet straightforward rewards.
Citi / AAdvantage Executive World Elite Mastercard
CURRENT OFFER
70,000
AAdvantage Miles
Earn 70,000 miles after qualifying purchases
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
65,000
AAdvantage Miles
The Citi AAdvantage Business Card currently has a welcome bonus of 65,000 AAdvantage bonus miles after spending $4,000 within the first four months.
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
The Citi AAdvantage Platinum Card is offering a welcome bonus of 50,000 American AAdvantage miles after spending $2,500 within the first three months.
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.
Atmos™ Rewards Ascent Visa Signature® Credit Card
CURRENT OFFER
80,000
Alaska Miles
Get 80,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after you make $5,000 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.
Atmos™ Rewards Visa Signature® Business Card
CURRENT OFFER
80,000
Alaska Miles
Get 80,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after you make $5,000 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
50,000
AAdvantage® Miles
after making your first purchase and paying the annual fee in full, both within 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
Ending soon
125,000
Marriott Bonvoy Points
LIMITED TIME OFFER: Earn 125,000 Marriott Bonvoy® points after you use your new Card to make $8,000 in eligible purchases within the first 6 months of Card Membership. Terms apply. Offer ends 10/22/2025.
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.
American Express® Green Card
CURRENT OFFER
15,000
Membership Rewards® Points
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Business Green Rewards Card within the first 3 months of Card Membership
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 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
140,000
Hilton Honors Points
after you spend $3,000 in purchases on the 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.
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.
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
130,000
Hilton Honors Points
Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership.
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
130,000
Hilton Honors Points
Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.
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
80,000
Hilton Honors Points
Earn 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Hilton Honors American Express Card in your first 6 months of Card Membership.
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
155,000
Marriott Bonvoy Points
Earn 155,000 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
185,000
Marriott Bonvoy Points
Earn 185,000 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
90,000
Wyndam Points
Earn 90,000 bonus points after spending $2,000 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.
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
75,000
Wyndam Points
Earn 50,000 bonus points after spending $4,000 on purchases and paying the annual fee in full, both within the first 90 days. Also, earn 25,000 bonus points after spending $12,000 on purchases within the first 365 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
ANNUAL FEE
$75
Terms apply
WHY WE LIKE IT
You get complimentary Diamond status + 15,000 points on your account anniversary.

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