Best Credit Cards – February 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.

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 — Transferrable

Chase Ink Business Preferred
Chase 5/24 rule applies
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
Chase 5/24 rule applies
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®
Chase 5/24 rule applies
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®
Chase 5/24 rule applies
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 Cash to airline and hotel partners.

Chase Sapphire Reserve®
Chase 5/24 rule applies
Current Offer
60,000 Chase Ultimate Rewards Points
Earn 60,000 bonus points after you spend $4,000 in the first 3 months of 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. It’s possible to get a 70,000-point bonus offer by logging into your Chase account.

Chase Freedom Unlimited®
Chase 5/24 rule applies
Current Offer
$200 Cash Back
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. Earn 5% cash back on combined gas station and grocery store purchases (not including Target and Walmart) on up to $12,000 spent in the first year.
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.

Chase Freedom Flex℠
Chase 5/24 rule applies
Current Offer
$200 Cash Back
after you spend $500 in the first 3 months. Plus earn 5% cash back on up to $12,000 spent on grocery store purchases in your first year (excluding Target and Walmart). Note: These card details have been collected independently by STTP and have not been provided by the card issuer.
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.

The Platinum Card® from American Express
Current Offer
Up to 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
Current Offer
Up to 90,000 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.
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.

Capital One Venture X Business
Current Offer
Up to 300,000 Venture Miles
For a limited time, earn up to 300,000 bonus miles: 150,000 miles once you spend $20,000 in the first 3 months, and an additional 150,000 miles once you spend $100,000 in the first 6 months.
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®
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.

Citi 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. 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.

The Business Platinum Card® from American Express
Current Offer
Up to 150,000 Membership Rewards® Points
after you spend $15,000 within 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
$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 150,000 Membership Rewards® Points
after you spend $10,000 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
$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.

Capital One Spark Cash Plus
Current Offer
Up to $3,000 Cash back
For a limited time, earn up to a $3,000 cash bonus: $1,500 once you spend $20,000 in the first 3 months, and an additional $1,500 once you spend $100,000 in the first 6 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.

Capital One Spark Cash Select for Excellent Credit
Current Offer
$750 Cash back
when you spend $6,000 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 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 $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.

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.

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