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80,000 Chase Ultimate Rewards Points after you spend $5,000 in the first 90 days
Bonus 80,000 Chase Ultimate Rewards Points
Category Business
Bonus Spending Req. $5,000
Annual Fee $95
Card Notes: Why We Like It “It’s hard to beat the Chase Ink Business Preferred if you’re looking for an all-around business card that has flexible redemption options AND can be combined with your personal Chase Ultimate Rewards points. The bonus is amazing, too. One of the best business cards with a great signup bonus and 3X categories, the Ink Business Preferred card is a great overall card for many businesses. The card earns Chase Ultimate Rewards points with the following bonuses: 3X travel, shipping, internet, cable, phone, and advertising with social media sites (up to $150K spend per year). At a minimum, this card's value is $1,000 when using the travel portal, but we value Chase points at 1.8 cents per point because of their value when transferred to travel partners like Southwest, United, Hyatt, or Marriott." - Zac
60,000 Chase Ultimate Rewards Points after you spend $4,000 in the first 90 days
Bonus 60,000 Chase Ultimate Rewards Points
Category Travel Rewards
Bonus Spending Req. $4,000
Annual Fee $95
Card Notes: "This is an excellent all-around card. The #1 card for beginners, and one of THE best cards for any type of traveler. The Chase travel portal and transfer partners make it very flexible. At a minimum, this card's value is $750 when using the travel portal, but we value Chase points at 1.8 cents per point because of their value when transferred to travel partners like Southwest, United, Hyatt, or Marriott. The card offers 2 points per dollar for all travel & dining purchases, no foreign transaction fees, and primary rental car coverage." - Zac
$500 after you spend $3,000 in the first 90 days
Bonus $500
Category Business
Bonus Spending Req. $3,000
Annual Fee $0
Card Notes: "Great signup bonus for a card with no annual fee. This one should be in everyone's wallet. Incredible signup bonus for a no-fee card. We value this card at $850 because we value Chase points at 1.8 cents per point because of their value when transferred to travel partners like Southwest, United, Hyatt, or Marriott. Excellent companion card to Sapphire Reserve or Sapphire Preferred! Like the Sapphire cards, this card earns valuable Chase Ultimate Rewards. You can earn 5X rewards (on first $25k spent) for phone service, cable, internet, and office supply stores." - Zac
80,000 Southwest Rapid Rewards Points after you spend $5,000 in the first 90 days
Bonus 80,000 Southwest Rapid Rewards Points
Category Business
Bonus Spending Req. $5,000
Annual Fee $199
Card Notes: "This is a new premium business card from Southwest. The large sign-up bonus is super attractive, and the extra benefits help make the higher annual fee pretty reasonable. Definitely can play a key role in getting the companion pass, and a great card to get overall." - Zac Note: Terms on the offer seem to indicate that you are eligible if you already have the Premier Business Card, too. No data points yet.
75,000 American AAdvantage Points after you spend $1,000 in the first 90 days
Bonus 75,000 American AAdvantage Points
Category Business
Bonus Spending Req. $1,000
Annual Fee $95
Card Notes: Note: Earn 65,000 miles after spending $1,000 in the first 90 days. Then, earn 10,000 miles when a purchase is made on an employee card.
60,000 Southwest Rapid Rewards Points after you spend $3,000 in the first 90 days
Bonus 60,000 Southwest Rapid Rewards Points
Category Business
Bonus Spending Req. $3,000
Annual Fee $99
Card Notes: "This card has a great signup bonus for a big chunk of miles. It's also a must get if you are looking to get the Southwest Companion Pass. While it may make more sense to use a Chase Ink card for overall business spending (and utilize Southwest as an Ultimate Rewards transfer partner), Southwest is one of the best airlines for free travel. Southwest offers free cancellation for reward flights, which makes it super easy to book and change as needed. Also, remember that Southwest offers free bags." - Zac
60,000 Citi ThankYou Points after you spend $4,000 in the first 90 days
Bonus 60,000 Citi ThankYou Points
Category Travel Rewards
Bonus Spending Req. $4,000
Annual Fee $95
Card Notes: "People are less familiar with Citi ThankYou Points compared to Chase Ultimate Rewards, but they serve similar purposes as transferrable points with the option to redeem through a travel portal. This card offers a great bonus, and is definitely worth considering as a top card. It's really one of the best all-around travel rewards cards with excellent bonus categories. Points are transferable to select airlines. ThankYou points are worth 1.25 cents each in their travel portal; or transfer points to airline partners. Bonus categories include 3x points for all travel and gas, with 2X for dining and entertainment." - Zac
$500 after you spend $3,000 in the first 90 days
Bonus $500
Category Business
Bonus Spending Req. $3,000
Annual Fee $0
Card Notes: "This is a no-brainer, great business card from Chase. A great bonus with no annual fees. You can combine points with other cards that earn Chase Ultimate Rewards. We value this card at $850 because we value Chase points at 1.8 cents per point because of their value when transferred to travel partners like Southwest, United, Hyatt, or Marriott. Like the name says, you earn unlimited 1.5 points per $1 spent on all purchases. Note that unlike many Chase cards, this card does charge foreign transaction fees." - Zac
50,000 Capital One Points after you spend $3,000 in the first 90 days
Bonus 50,000 Capital One Points
Category Travel Rewards
Bonus Spending Req. $3,000
Annual Fee $0, then $95
Card Notes: "One of the most advertised cards out there is the Capital One Venture card. It is a solid card for free travel that is very easy to use. I like to think of it as a very helpful sidekick to the other rewards programs. Venture Miles are flexible because you can redeem the miles for anything deemed “travel” on your credit card statement. These miles may not be as valuable as Chase Ultimate Rewards, but they come in handy and can compliment other reward redemptions. This card earns 2 "miles" per dollar. Each mile is worth 1 cent each toward travel. You can also earn 10x miles on hotels when you pay with your Venture card at hotels.com/venture. Lastly, receive up to $100 application fee credit for Global Entry or TSA Pre✓." - Zac
50,000 Chase Ultimate Rewards Points after you spend $4,000 in the first 90 days
Bonus 50,000 Chase Ultimate Rewards Points
Category Travel Rewards
Bonus Spending Req. $4,000
Annual Fee $450
Card Notes: "Really great all-around card for the frequent traveler. You can pair this card with Chase Freedom, Chase Freedom Unlimited, and Chase Ink Cash Business Card. Many will be turned away by the $450 annual fee. However, if you travel frequently, this is a great card to have for the many benefits. You earn 3 points per $1 spent on Travel (after using the annual travel credit) and Dining. If you're a frequent traveler, the $300 Annual Travel Credit knocks the annual fee down to a manageable $150, which is great considering the added benefits. What most people like best about this card is earning 50% extra in the Chase travel portal (compared to 25% extra with Sapphire Preferred). This card includes primary auto rental collision damage waiver, Priority Pass Select lounge access, and up to $100 fee credit towards Global Entry or TSA PreCheck. Also, no foreign transaction fees." - Zac

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How do you rank the cards in CardGenie Recommendations?

There are several factors that go into our rankings. It's important to know that we rank our cards with our average user in mind. So if you are an expert free traveler, you probably have your own system and don't need our recommendations anyway.

Here is the criteria we use:

  1. Value of points - Not all points and miles have the same value when it comes time to redeeming them. We take this seriously.

  2. Sign-up Bonuses - Travel Freely seeks to maximize sign-up bonuses, so if great sign-up bonus offers come out, those cards will move up in the rankings.

  3. Type of Card - We value airline cards higher than hotel cards because airfare never goes on sale (whereas hotel sites can get you almost 50% retail rates). So airfare is the highest value in free travel. So, if we see airlines and hotel cards as similarly great deals, the airline card will get the edge in the rankings.

  4. Bonus spending requirement- We rank cards lower that require major spending as part of sign-up bonus. For example: Some cards offer 50,000 points if you spend $3,000 in the first 3 months, but then they’ll offer an add’l 25,000 points if you spend $10-15k in additional spending over the course of the year. This is considered major spending to us and we do not factor that in for the normal free traveler. (We would recommend hitting the first bonus, and then moving on to another card that will get you more points with less spending.)

  5. Ease-of-use Intangibles - Factors such as customer service and redemption fees play a factor in our rankings. We don’t want you to spend hours on the phone with poorly trained, off-shore customer service when you have a question about your card. And ridiculous fees for redeeming free travel are also important to us. For example: Frontier - You might get a “free flight” on Frontier Airlines with 20,000 points. But, you have to spend a reward redemption fee, bag fee for carry-on or checked luggage, and a seat booking fee. You might spend $96 in fees for a $110 flight! Additionally, they have terrible customer service, which is outsourced to another country. Unless these factors change, you’ll never see Frontier cards (or those that fit this criteria) listed in any card recommendations.