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Update: Some offers mentioned below are no longer available – The Amex EveryDay Preferred Credit Card from American ExpressBarclaycard Arrival Plus World Elite Mastercard

TPG reader Jonathan tweeted me to ask about which credit card offers the best rewards for general spending:

@thepointsguy– “I need credit card for non-category bonus spending. Should I get the Starwood Preferred Guest Amex, or is there another one you recommend?”

For travel, dining and airfare you should be using a credit card that gives you two, three, four or even five points per dollar spent. The more you can maximize these types of purchases, the better. But many purchases don’t fall into any bonus categories, and you need a good credit card for those, so Jonathan brings up a great point.

shutterstock_145590460
You have some options for your non-bonus spending. Photo courtesy of Shutterstock.

I personally think Starwood Preferred Guest points are the most valuable points out there, mainly because you can transfer to 32 different airlines (and you get a 25% percent bonus for every 20,000 points transferred). Starpoints give you the flexibility to redeem for air travel, Starwood hotel stays, or even for special experiences.

SPG Moments offer incredible value for things like concerts or sporting events, including VIP access in many cases. For example, I redeemed points to have VIP seats at a New York Knicks game with my dad, and it was definitely worth it.

The Starwood Preferred Guest Credit Card from American Express allows you to earn 25,000 bonus Starpoints after you use your new Card to make $3,000 in purchases within the first three months, and earns 1 Starpoint per dollar spent. The $95 annual fee is waived the first year. One wonderful thing about having Amex credit cards in general is the purchase protection, as well as extended warranties and great customer service. Using Amex for big purchases such as expensive clothing or artwork can offer you great protection and peace of mind.

Another option is the Amex Everyday Preferred Card. You earn Membership Rewards points (including 3x points per dollar spent at supermarkets), and you get a 50% bonus when you hit 30 transactions in a month, so even for non-bonus spending you can earn 1.5 Membership Rewards points per dollar spent. This is a great way to rack up points while taking advantage of the great purchase protection Amex offers.

The wild card that I’ve been using recently for some off-category spending is the Barclaycard Arrival Plus World Elite Mastercard. You earn two miles per dollar spent on every single purchase. When you redeem your miles for travel, you get 5% back, so I use the card to cover award-ticket fees, and then I use the miles to wipe the charges off my statement.

You can also use this card for other unusual travel purchases — I’ll be using miles from this card to pay for my helicopter service to the Hamptons this summer.

Using a combination of these cards, you can easily benefit from off-category spending!

If you have any other questions, please tweet me @thepointsguy, message me on Facebook or send me an email at info@thepointsguy.com.

Starwood Points are the most valuable points currency out there.
Starwood Preferred Guest® Credit Card from American Express

 

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More Things to Know
  • Earn a $100 statement credit after you make $1,000 in purchases on the Card within your first 3 months of Card Membership.
  • Plus, earn an additional $100 statement credit after your first purchase on the Card at a participating SPG® or Marriott Rewards® hotel within your first 6 months of Card Membership.
  • From now through July 31, 2018: Earn 2 Starpoints® for every dollar of eligible purchases on the Card at participating SPG® and Marriott Rewards® hotels. Earn 1 Starpoint for all other eligible purchases.
  • On August 1, 2018, SPG will convert every one Starpoint in a loyalty member account to three points. In general, corresponding redemption changes will occur. Visit members.marriott.com for details.
  • Effective August 1, 2018: Earn 6 points for every dollar of eligible purchases on the Card at participating SPG and Marriott Rewards® hotels. Earn 2 points for all other eligible purchases.
  • No Foreign Transaction Fees on International purchases.
  • Earn free nights at over 1,500 hotels and resorts in over 100 countries with no blackout dates. Some hotels may have mandatory service and resort charges.
  • Enjoy complimentary, unlimited Boingo Wi-Fi on up to four devices at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
  • $0 introductory annual fee for the first year, then $95.
  • Terms Apply.
  • See Rates & Fees
Intro APR on Purchases
N/A
Regular APR
16.74%-20.74% Variable
Annual Fee
$0 introductory annual fee for the first year, then $95.
Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater.
Recommended Credit
Excellent/Good
Terms and restrictions apply. See rates & fees.

The best beginner points and miles card out there.
Chase Sapphire Preferred® Card

With great travel benefits, 2x points on travel & dining and a 50,000 point sign up bonus, the Chase Sapphire Preferred is a great card for those looking to get into the points and miles game. Here are the top 5 reasons it should be in your wallet, or read our definitive review for more details.

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More Things to Know
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel.
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Intro APR on Purchases
N/A
Regular APR
17.49% - 24.49% Variable
Annual Fee
$0 Intro for the First Year, then $95
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
Recommended Credit
Excellent Credit

Editorial Disclaimer: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.