Credit Card Offers

These are the cards that I personally use and recommend. I’ve detailed why I have each credit card and included a referral link that you can use to apply (that also supports our channel!). These cards fall into three basic categories:

Flexible Points Program Cards

Chase Sapphire Reserve

This is my favorite travel rewards card. If I could only have one card, it would be this one. It does have a high annual fee ($450), but it’s offset by the value that I receive from the card’s benefits. For more information on why annual fees can sometimes be worth the cost, please see our Credit Card Annual Fees video.

This card includes the following key benefits:

  • Sign-up opening bonus of 50,000 Chase Ultimate Rewards points (approx. $750 assuming 1.5¢ per point value)
  • 3x Ultimate Rewards points for dining and travel
  • $300 annual travel credit (which can be applied to travel expenses, including Uber/Lyft and parking)
  • Unlocks the ability to transfer Ultimate Rewards points to travel partners (like United, Southwest, Hyatt, Marriott, and many more)
  • Additional point value when redeeming via the Chase Travel Portal (i.e., 1.5¢ instead of 1.25¢ per point)
  • Priority Club lounge membership/access
  • Primary car rental insurance
  • No foreign transaction fees
  • Global Entry / TSA PreCheck application fee reimbursement

APPLY FOR THE CHASE SAPPHIRE RESERVE


Chase Ink Business Preferred

This is my primary credit card for my business expenses. It also earns Chase Ultimate Rewards points, and includes some very useful bonus categories and benefits (e.g., mobile phone protection/insurance). The card offers one of the most lucrative opening bonuses, though it does have an annual fee ($95). For more information on business credit cards, check out our video on the topic.

The card has the following key benefits:

  • Sign-up opening bonus of 80,000 Chase Ultimate Rewards points (approx. $1000 assuming 1.25¢ per point value)
  • 3x Ultimate Rewards points for travel, shipping purchases, internet, cable and phone services, and on advertising purchases made with social media sites
  • Primary car rental insurance
  • No foreign transaction fees
  • Mobile phone theft and damage protection

APPLY FOR THE CHASE INK BUSINESS PREFERRED


Chase Freedom

This no annual fee card earns a ton of Chase Ultimate Rewards points. The card has 5x rotating bonus categories that change every quarter. By maximizing the rotating bonus, you can earn up to 7,500 points per quarter, or 30,000 points per year. For more information on this card and why you may prefer it over the Freedom Unlimited, check out our video.

This card includes the following key benefits:

  • Sign-up opening bonus of 15,000 Chase Ultimate Rewards points (approx. $150 assuming 1¢ per point value)
  • 5x Ultimate Rewards points for rotating bonus categories (e.g., groceries, fuel, mobile payments, Amazon.com, wholesale clubs, etc.)
  • No annual fee

APPLY FOR THE CHASE FREEDOM


Chase Freedom Unlimited

This is my “go-to” card for expenses that are not covered by a bonus category from other Chase Ultimate Rewards cards. The card earns a flat 1.5x points on all purchases, and like other Ultimate Rewards earning cards, I can pool the points into one bucket for redemption. For more information on this card and why you may prefer it over the traditional Freedom card, check out our video.

The card includes the following key benefits:

  • Sign-up opening bonus of 15,000 Chase Ultimate Rewards points (approx. $150 assuming 1¢ per point value)
  • 1.5x Ultimate Rewards points for all purchases
  • No annual fee

APPLY FOR THE CHASE FREEDOM UNLIMITED


Chase Ink Business Cash

This is a great no annual fee credit card for business expenses. I use this card to manage the expenses of another small business that I operate. Like the Freedom and Freedom Unlimited, the card is advertised as a cashback card, but it actually earns Ultimate Rewards points, which can then be pooled together with the cards above. For more information on business credit card, see our video.

The card includes the following key benefits:

  • Sign-up opening bonus of 50,000 Chase Ultimate Rewards points (approx. $500 assuming 1¢ per point value)
  • 5x Ultimate Rewards points for purchases at office supply stores and on internet, cable, and phone services
  • 2x Ultimate Rewards points for purchases at gas stations and restaurants
  • No annual fee

APPLY FOR THE CHASE INK BUSINESS CASH


Hotel and Airline Cards

Chase Hyatt

I’ve had this card for many years, though I don’t often use it. Despite having an annual fee of $75, the card comes with a free night stay at a Hyatt hotel or resort and upgraded status, which offsets the annual fee.

The card includes the following key benefits:

  • Sign-up opening bonus of 40,000 Hyatt points
  • 3x Hyatt points on purchases made at Hyatt hotels and resorts (including all brands under the Hyatt umbrella)
  • 2x Hyatt points for purchases at restaurants, and on reservations purchased directly from airlines and car rental agencies
  • One free night every year at any category 1-4 hotel or resort
  • Free upgrade to Discoverist status in the World of Hyatt program
  • No foreign transaction fees

APPLY FOR THE CHASE HYATT


Chase IHG Rewards

I have the older and less expensive version of this card (which is no longer available). Like the Chase Hyatt card, I primarily keep the card for the annual free night and upgraded status. The new Chase IHG Rewards Club Premier card has an $89 annual fee and includes additional benefits:

  • Sign-up opening bonus of 80,000 IHG points
  • 10x IHG points on purchases made at IHG hotels and resorts (including all brands under the IHG umbrella)
  • 2x IHG points for purchases at restaurants, grocery stores, and gas stations
  • One free night every year at any IHG hotel or resort (maximum redemption value of 40,000 points)
  • Free reward night when you redeem points for any stay of four or more nights
  • Free upgrade to Platinum Elite status
  • No foreign transaction fees

APPLY FOR THE CHASE IHG REWARDS CLUB PREMIER


Chase Southwest Rapid Rewards Plus

I got this card at the end of 2017 since Chase was offering a free companion pass for California residents. The card has a $69 annual fee. I still prefer to earn Ultimate Rewards points with the cards listed above (since I can transfer UR points to Southwest), but I couldn’t pass up the offer for the free companion pass.

The card includes the following key benefits:

  • Sign-up opening bonus of 40,000 Southwest Rapid Rewards points
  • 2x Rapid Rewards points on purchases made on Southwest Airlines
  • 3,000 bonus points on your cardmember anniversary

APPLY FOR THE CHASE SOUTHWEST RAPID REWARDS +


Chase United MileagePlus Explorer

I’ve had this card for many years, though I don’t really use it. This $95 annual fee card is primarily a card that I keep for the benefits, particularly the additional award seating availability, lounge passes, and priority boarding that is offered to cardmembers.

The card includes the following key benefits:

  • Sign-up opening bonus of 40,000 United MileagePlus miles
  • 2x points on flights purchased from United
  • Additional award flight seat availability
  • 2 United Club lounge passes per year
  • Priority boarding for both the cardmember and companions on the same reservation
  • Free first checked bag for both the cardmember and one companion on the same reservation
  • No foreign transaction fees

APPLY FOR THE CHASE UNITED MILEAGEPLUS EXPLORER


Cashback Cards

American Express Blue Cash Preferred

This is my primary credit card for fuel and groceries. The card has a $95 annual fee, but offers lucrative cashback bonuses and AMEX special offers to its cardmembers.

The card includes the following key benefits:

  • Sign-up opening bonus of $250
  • 6% cashback on US supermarkets
  • 3% cashback on gas stations and major department stores
  • Access to AMEX offers

APPLY FOR THE AMEX BLUE CASH PREFERRED


Discover It

This card is similar to the Chase Freedom card since it offers rotating quarterly bonuses. It has no annual fee and is a great way to earn additional cashback that I can put toward my travel budget.

The card includes the following key benefits:

  • Sign-up opening bonus of $50 and cashback match for the first year
  • 5% cashback on rotating bonus categories (e.g., groceries, fuel, home improvement, Amazon.com, wholesale clubs, etc.)
  • No annual fee

APPLY FOR THE DISCOVER IT

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