Are you fully aware of how valuable that space in your wallet or purse is? Credit card companies are in heated competition right now, offering strong perks and $500+ value a pop during the first year to try out a new card. In my opinion, these are the top 10(ish) credit card offers for consumers in September 2018. Please see links provided for full details.
If you pay off your balances every month, then you can join me and many others in funding a huge chunk of your annual travel with cash credits, points, and miles. You don’t need to be a “I only fly business class” world traveler. I mostly use my rewards points on domestic economy flights, mid-class hotels like Staybridge Suites and Courtyard Marriott, and cheap car rentals. If you have credit card debt, you should focus on paying that off first as the interest charges could offset most of the perks.
Note: Certain Chase cards have a “5/24 rule” which is an unofficial rule that they will automatically deny approval on new credit cards if you have 5 or more new credit cards from any issuer on your credit report within the past 2 years. This rule applies on a per-person basis, so if you are new, you might want to start with those Chase cards.
- 60,000 Thank You points (worth $750 towards travel) after $4,000 in purchases within the first 3 months. See link for details.
- $0 annual fee for the first year, then $95.
- 50,000 Ultimate Rewards points (worth $625 towards travel) after $4,000 in purchases within the first 3 months. See link for details.
- $0 annual fee for the first year, then $95.
- Subject to 5/24 rule.
- Alternative: . More rewards, more perks including lounge access, $450 annual fee, $300 annual travel credit.
- 60,000 points (worth $600 towards travel) after spending $5,000 on purchases in the first 90 days and paying the annual fee. See link for details.
- Unlimited 2X miles on every purchase.
- $89 annual fee.
- 100,000 Marriott Rewards points after $5,000 in purchases within the first 3 months. See link for details and rough valuation of points.
- $95 annual fee, free night award upon card anniversary.
- Subject to 5/24 rule.
- 40,000 Rapid Rewards points (redeemable for $600+ in Wanna Getaway airfare) after $1,000 on purchases in the first 3 months. See link for details.
- $99 annual fee.
- Combine with the Southwest Rapid Rewards Premier Business Card to earn the .
- Subject to 5/24 rule.
- 50,000 American Airlines miles after $2,500 in purchases within the first 3 months. See link for details.
- First checked bag free on domestic flights perk.
- $0 annual fee for the first year, then $99.
- 60,000 Hyatt points (enough for two nights at any Hyatt). 40,000 Bonus Points after $3,000 in purchases in the first 3 months. Plus an additional 20,000 Bonus Points after a total of $6,000 in purchases within the first 6 months. See link for details and rough valuation of points.
- $95 annual fee, free night award upon card anniversary.
- NOT subject to 5/24 rule.
- 100,000 IHG Rewards points after $3,000 in purchases within the first 3 months. See link for details and rough valuation of points.
- $89 annual fee, free night award upon card anniversary.
- NOT subject to 5/24 rule.
- 50,000 points (worth $500 towards travel) after $3,000 in purchases within the first 90 days. See link for details.
- 2 points for every $1 spent on travel and dining purchases and 1.5 points for every $1 spent on all other purchases.
- $100 annual Airline Incidental Statement Credit.
- Up to $100 credit towards TSA PreCheck or Global Entry application fee.
- $95 annual fee.
- 60,000 Delta Skymiles after you make $3,000 in purchases within your first 4 months. Offer expires on 9/19/2018. See link for details.
- First checked bag free on every Delta flight.
- $0 annual fee for the first year, then $95.
- $500 cash bonus after $3000 in purchases within the first 3 months. See link for details.
- 4% cash back on dining and entertainment.
- $0 annual fee for the first year, then $95.
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