The Points Analyst - Best Credit Card Offers
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Best for beginner travelers
| Rate | Category |
|---|---|
| 5x | Earn 5x on travel purchased through Chase Travel℠. |
| 3x | Earn 3x on dining, vacation homes at top brands, gas & EV charging, top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs). |
| 2x | Earn 2x on all other travel purchases. |
| 1x | Earn 1x on all other purchases. |
75,000 bonus points.
$95
19.49% - 27.74% Variable
670-850
The Chase Sapphire Preferred® Card is one of the most popular travel rewards credit card on the market. Offering an excellent return on travel and dining purchases, the card packs a ton of value that easily offsets its $95 annual fee. Cardholders can redeem points for Chase Travel bookings or transfer points to one of Chase’s 14 valuable airline and hotel partners. Read our full review of the Chase Sapphire Preferred Card.
The Chase Sapphire Preferred® Card is one of the most popular travel rewards credit card on the market. Offering an excellent return on travel and dining purchases, the card packs a ton of value that easily offsets its $95 annual fee. Cardholders can redeem points for Chase Travel bookings or transfer points to one of Chase’s 14 valuable airline and hotel partners. Read our full review of the Chase Sapphire Preferred Card.
Best for beginner travelers
75,000 bonus points.
$95
19.49% - 27.74% Variable
670-850
The Chase Sapphire Preferred® Card is one of the most popular travel rewards credit card on the market. Offering an excellent return on travel and dining purchases, the card packs a ton of value that easily offsets its $95 annual fee. Cardholders can redeem points for Chase Travel bookings or transfer points to one of Chase’s 14 valuable airline and hotel partners. Read our full review of the Chase Sapphire Preferred Card.
Best for dining at restaurants
| Rate | Category |
|---|---|
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 5X | Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™. |
| 3X | Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines. |
| 2X | Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
As High As 100,000 points. Find Out Your Offer.
$325
See Pay Over Time APR
Excellent to Good
The Amex Gold consistently delivers top-tier returns on everyday spending, especially for dining and groceries, while offering flexible travel redemption options through Amex Membership Rewards or transfer partners.
The Amex Gold consistently delivers top-tier returns on everyday spending, especially for dining and groceries, while offering flexible travel redemption options through Amex Membership Rewards or transfer partners.
Best for dining at restaurants
As High As 100,000 points. Find Out Your Offer.
$325
See Pay Over Time APR
Excellent to Good
The Amex Gold consistently delivers top-tier returns on everyday spending, especially for dining and groceries, while offering flexible travel redemption options through Amex Membership Rewards or transfer partners.
Best for premium travel
| Rate | Category |
|---|---|
| 10 Miles | 10 Miles per dollar on hotels and rental cars booked through Capital One Travel |
| 5 Miles | 5 Miles per dollar on flights and vacation rentals booked through Capital One Travel |
| 2 Miles | 2 Miles per dollar on every purchase, every day |
Earn 75,000 bonus miles
$395
19.74% - 28.74% (Variable)
740-850
If you can maximize the $300 credit toward Capital One Travel, the Venture X’s annual fee effectively comes down to $95. Add in a 10,000-mile bonus every account anniversary (worth $185, according to TPG valuations), and the card may become the strongest option out there for a lot of travelers. Read our full review of the Capital One Venture X Rewards Credit Card.
If you can maximize the $300 credit toward Capital One Travel, the Venture X’s annual fee effectively comes down to $95. Add in a 10,000-mile bonus every account anniversary (worth $185, according to TPG valuations), and the card may become the strongest option out there for a lot of travelers. Read our full review of the Capital One Venture X Rewards Credit Card.
Best for premium travel
Earn 75,000 bonus miles
$395
19.74% - 28.74% (Variable)
740-850
If you can maximize the $300 credit toward Capital One Travel, the Venture X’s annual fee effectively comes down to $95. Add in a 10,000-mile bonus every account anniversary (worth $185, according to TPG valuations), and the card may become the strongest option out there for a lot of travelers. Read our full review of the Capital One Venture X Rewards Credit Card.
Best for premium travel perks and digital entertainment
| Rate | Category |
|---|---|
| 5X | Earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year. |
As High As 175,000 points. Find Out Your Offer.
$895
See Pay Over Time APR
Good to Excellent
The American Express Platinum Card® has a high annual fee but remains one of the best cards on the market for those who prioritize premium travel experiences. A combination of updated and new statement credits makes the refreshed Amex Platinum an ideal card for frequent travelers and digital entertainment enthusiasts alike.
The American Express Platinum Card® has a high annual fee but remains one of the best cards on the market for those who prioritize premium travel experiences. A combination of updated and new statement credits makes the refreshed Amex Platinum an ideal card for frequent travelers and digital entertainment enthusiasts alike.
Best for premium travel perks and digital entertainment
As High As 175,000 points. Find Out Your Offer.
$895
See Pay Over Time APR
Good to Excellent
The American Express Platinum Card® has a high annual fee but remains one of the best cards on the market for those who prioritize premium travel experiences. A combination of updated and new statement credits makes the refreshed Amex Platinum an ideal card for frequent travelers and digital entertainment enthusiasts alike.
Best for freelancers
| Rate | Category |
|---|---|
| 1.5% | Earn unlimited 1.5% cash back on every purchase made for your business |
Earn $750 bonus cash back
$0
16.99% - 24.99% Variable
670-850
The Ink Business Unlimited offers unlimited 1.5% cash back on every business purchase. It fills in rewards gaps not covered by the Ink Business Cash® Credit Card. You can maximize this card by pairing it with cards including the Chase Sapphire Reserve® and the Chase Sapphire Preferred® Card. Read our full review of the Ink Business Unlimited Credit Card.
The Ink Business Unlimited offers unlimited 1.5% cash back on every business purchase. It fills in rewards gaps not covered by the Ink Business Cash® Credit Card. You can maximize this card by pairing it with cards including the Chase Sapphire Reserve® and the Chase Sapphire Preferred® Card. Read our full review of the Ink Business Unlimited Credit Card.
Best for freelancers
Earn $750 bonus cash back
$0
16.99% - 24.99% Variable
670-850
The Ink Business Unlimited offers unlimited 1.5% cash back on every business purchase. It fills in rewards gaps not covered by the Ink Business Cash® Credit Card. You can maximize this card by pairing it with cards including the Chase Sapphire Reserve® and the Chase Sapphire Preferred® Card. Read our full review of the Ink Business Unlimited Credit Card.
Best for office supplies
| Rate | Category |
|---|---|
| 5% | Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. |
| 2% | Earn 2% cash back on the first $25,000 spent in combined purchases on dining and gas each account anniversary year. |
| 1% | Earn 1% cash back on all other purchases. |
Earn $750 bonus cash back
$0
16.99% - 24.99% Variable
670-850
The Chase Ink Business Cash is an excellent no annual fee card for small business owners. Cardholders can earn 5% cash back on office supplies and select utilities, as well as 2% cash back at restaurants and gas stations. Read our full review of the Chase Ink Business Cash card.
The Chase Ink Business Cash is an excellent no annual fee card for small business owners. Cardholders can earn 5% cash back on office supplies and select utilities, as well as 2% cash back at restaurants and gas stations. Read our full review of the Chase Ink Business Cash card.
Best for office supplies
Earn $750 bonus cash back
$0
16.99% - 24.99% Variable
670-850
The Chase Ink Business Cash is an excellent no annual fee card for small business owners. Cardholders can earn 5% cash back on office supplies and select utilities, as well as 2% cash back at restaurants and gas stations. Read our full review of the Chase Ink Business Cash card.
Best for business owners who prioritize premium travel perks
| Rate | Category |
|---|---|
| 5X | Earn 5X points on flights and prepaid hotels on AmexTravel.com. |
| 2X | Earn 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers¹, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per Card account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. ¹Effective February 17, 2027, select merchants only. See terms. |
| 1X | Earn 1X points on other eligible purchases. |
As High As 300,000 points. Find Out Your Offer.
$895
17.99% - 28.74% Variable
Good to Excellent
The Business Platinum Card® from American Express continues its long-standing streak as one of the most valuable cards on the market for frequent business travelers. The Amex Business Platinum card offers perks like automatic Hilton Honors and Marriott Bonvoy Gold elite status (enrollment required) and statement credits that can be used toward business-specific purchases.
The Business Platinum Card® from American Express continues its long-standing streak as one of the most valuable cards on the market for frequent business travelers. The Amex Business Platinum card offers perks like automatic Hilton Honors and Marriott Bonvoy Gold elite status (enrollment required) and statement credits that can be used toward business-specific purchases.
Best for business owners who prioritize premium travel perks
As High As 300,000 points. Find Out Your Offer.
$895
17.99% - 28.74% Variable
Good to Excellent
The Business Platinum Card® from American Express continues its long-standing streak as one of the most valuable cards on the market for frequent business travelers. The Amex Business Platinum card offers perks like automatic Hilton Honors and Marriott Bonvoy Gold elite status (enrollment required) and statement credits that can be used toward business-specific purchases.
Best for flexible rewards earning
| Rate | Category |
|---|---|
| 4X | Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.* |
| 3X | Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com or the Amex Travel App™ using your Business Gold Card.* |
| 1X | Earn 1X on all other eligible purchases. |
As High As 200,000 points. Find Out Your Offer.
$375
17.99% - 28.74% Variable
Excellent to Good
The Amex Business Gold card is a solid choice for high-spending small businesses with the flexibility to earn 4 points per dollar in the two categories where you spend the most. The card is ideal for businesses who value simplicity above all. Read our full review of the American Express Business Gold Card.
The Amex Business Gold card is a solid choice for high-spending small businesses with the flexibility to earn 4 points per dollar in the two categories where you spend the most. The card is ideal for businesses who value simplicity above all. Read our full review of the American Express Business Gold Card.
Best for flexible rewards earning
As High As 200,000 points. Find Out Your Offer.
$375
17.99% - 28.74% Variable
Excellent to Good
The Amex Business Gold card is a solid choice for high-spending small businesses with the flexibility to earn 4 points per dollar in the two categories where you spend the most. The card is ideal for businesses who value simplicity above all. Read our full review of the American Express Business Gold Card.
Best for Hyatt
| Rate | Category |
|---|---|
| 9X | Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member |
| 2X | Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships |
Earn 4 free nights
$95
19.49% - 27.99% Variable
Good Credit, Excellent Credit
If you're a fan of Hyatt hotels, the World of Hyatt card is one of the top choices for hotel cobranded cards. You'll earn valuable hotel points, automatic elite status and a free night certificate every anniversary year. Read our full review of the World of Hyatt card.
If you're a fan of Hyatt hotels, the World of Hyatt card is one of the top choices for hotel cobranded cards. You'll earn valuable hotel points, automatic elite status and a free night certificate every anniversary year. Read our full review of the World of Hyatt card.
Best for Hyatt
Earn 4 free nights
$95
19.49% - 27.99% Variable
Good Credit, Excellent Credit
If you're a fan of Hyatt hotels, the World of Hyatt card is one of the top choices for hotel cobranded cards. You'll earn valuable hotel points, automatic elite status and a free night certificate every anniversary year. Read our full review of the World of Hyatt card.
Best for welcome offer and elite status
| Rate | Category |
|---|---|
| Up to 21X | Earn up to 21X Marriott Bonvoy® points for every $1 spent on eligible purchases at hotels participating in Marriott Bonvoy. Earn 6X points with the Marriott Bonvoy Brilliant® American Express® Card. Earn up to 10X points from Marriott Bonvoy for being a Marriott Bonvoy member. Earn up to 5X points from Marriott Bonvoy with the 50% Bonus Points on Stays, a benefit available with your complimentary Platinum Elite status. |
| 6X | Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy. |
| 3X | Earn 3X points at restaurants worldwide and on flights booked directly with airlines. |
| 2X | Earn 2X points on all other eligible purchases. |
Earn 100,000 Bonus Points
$650
19.74%-28.74% Variable
Excellent to Good
The Bonvoy Brilliant is ideal for travelers who are loyal to the Marriott brand. You'll get a solid return on Marriott stays and a number of premium perks that can help you upgrade your trips. However, with high-end perks comes a high annual fee. Read our full review of the Marriott Bonvoy Brilliant.
The Bonvoy Brilliant is ideal for travelers who are loyal to the Marriott brand. You'll get a solid return on Marriott stays and a number of premium perks that can help you upgrade your trips. However, with high-end perks comes a high annual fee. Read our full review of the Marriott Bonvoy Brilliant.
Best for welcome offer and elite status
Earn 100,000 Bonus Points
$650
19.74%-28.74% Variable
Excellent to Good
The Bonvoy Brilliant is ideal for travelers who are loyal to the Marriott brand. You'll get a solid return on Marriott stays and a number of premium perks that can help you upgrade your trips. However, with high-end perks comes a high annual fee. Read our full review of the Marriott Bonvoy Brilliant.
Best for Marriott
| Rate | Category |
|---|---|
| 17X | Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card. |
| 3X | Earn 3X points per $1 on the first $6,000 spent in combined purchases annually on grocery stores, gas stations, and dining. |
| 2X | 2X points for every $1 spent on all other purchases. |
Earn 3 Free Night Awards
$95
19.49% - 27.99% Variable
Good Credit, Excellent Credit
The Marriott Bonvoy Boundless card is an entry-level card that can help travelers dip their toes into the Bonvoy program. The card is best for those who stay at Marriotts, but not enough to take full advantage of Marriott's higher-tier cards. Read our full review of the Marriott Bonvoy Boundless Credit Card.
The Marriott Bonvoy Boundless card is an entry-level card that can help travelers dip their toes into the Bonvoy program. The card is best for those who stay at Marriotts, but not enough to take full advantage of Marriott's higher-tier cards. Read our full review of the Marriott Bonvoy Boundless Credit Card.
Best for Marriott
Earn 3 Free Night Awards
$95
19.49% - 27.99% Variable
Good Credit, Excellent Credit
The Marriott Bonvoy Boundless card is an entry-level card that can help travelers dip their toes into the Bonvoy program. The card is best for those who stay at Marriotts, but not enough to take full advantage of Marriott's higher-tier cards. Read our full review of the Marriott Bonvoy Boundless Credit Card.
Best for IHG loyalists seeking mid-tier perks
| Rate | Category |
|---|---|
| 24X | Earn up to 24X total points on stays at IHG Hotels & Resorts |
| 5X | Earn 5X points on flights booked directly, car rental agencies, at gas stations, grocery stores (new!) and restaurants. Earn 3X points per $1 spent on all other purchases. |
| 3X | Earn 3X points per $1 spent on all other purchases. |
Earn 180,000 Bonus Points
$150
19.49% - 27.99% Variable
Good Credit, Excellent Credit
The IHG One Rewards Premier Credit Card has a $150 annual fee but offers a useful collection of benefits for frequent IHG guests. Cardholders receive automatic IHG One Rewards Gold Elite status, a 50,000-point anniversary night, up to $100 in annual IHG food and beverage rewards (issued as $25 per quarter), plus your fourth night free when redeeming points for a consecutive four-night stay. (Partner offer)
The IHG One Rewards Premier Credit Card has a $150 annual fee but offers a useful collection of benefits for frequent IHG guests. Cardholders receive automatic IHG One Rewards Gold Elite status, a 50,000-point anniversary night, up to $100 in annual IHG food and beverage rewards (issued as $25 per quarter), plus your fourth night free when redeeming points for a consecutive four-night stay. (Partner offer)
Best for IHG loyalists seeking mid-tier perks
Earn 180,000 Bonus Points
$150
19.49% - 27.99% Variable
Good Credit, Excellent Credit
The IHG One Rewards Premier Credit Card has a $150 annual fee but offers a useful collection of benefits for frequent IHG guests. Cardholders receive automatic IHG One Rewards Gold Elite status, a 50,000-point anniversary night, up to $100 in annual IHG food and beverage rewards (issued as $25 per quarter), plus your fourth night free when redeeming points for a consecutive four-night stay. (Partner offer)
