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Brian's Top Picks

Chase Sapphire Preferred® card

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Amplify Point Value

Having this card in your lineup unlocks two key benefits:
1) Transferring points to travel partners,
2) An extra 25% in value on travel portal redemptions

The ability to move points from your other Chase cards to this one, then redeem them for outsized value, makes the CSP a must-have.

REwards Rate

5x on travel booked through the Chase travel portal

3x on dining, select streaming services, and online groceries

 

2x on travel purchases outside of the portal

1x on all other purchases

American express®
gold Card

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Point-Earning Powerhouse

Few cards can compete with the point-earning ability of this one. Food is one of every household's largest expenses, and you get large multipliers on these categories

Pair this with usually huge sign up bonuses and you can bank serious points.

REwards Rate

4x at restaurants and grocery stores

3x  on flights

1x on all other purchases

Chase
Freedom Flex℠

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Strategic Earner

Most people are first pulled into the Chase ecosystem by this card, and for good reason. The potential for 5x points is nothing to sneeze at.

The categories change quarterly, allowing for massive earning potential

rewards rate

5% cash back in quarterly rotating categories

5% cash back on travel through Chase Ultimate Rewards ®

3% cash back on dining + drugstore

1% cash back on all other purchases

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

60,000 bonus points

intro offer

$95

Annual fee
intro offer

60,000 bonus points

Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new card within the first 6 months of card membership

Annual fee

$250

intro offer

$200

Earn $200 cash back after you spend $500 within the first 3 months from account opening

$0

Annual fee

Highlights

More great offers

capital one venture x Rewards Credit Card
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Top Travel Card for simplicity

Premium travel card in a rewards ecosystem designed around simplicity.

Anyone interested in dipping a toe in the "travel hacking" hobby, but intimidated by the complexity of 'trifectas,' 'quadfectas,' and juggling multiple issuers should give this card a serious look.

Paired with the Savor One card, this card rivals any other premium travel card on the market.

intro offer

75,000 miles

Annual fee

$395

REwards Rate

10 Miles per dollar on hotels and rental cars booked through Capital One Travel

5 Miles per dollar on flights booked through Capital One Travel

2 Miles per dollar on every other purchase

more details

citi custom cash Card
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Starter Card for Cash Back

For some people cash truly is king, and with this card offering 5% cash back on your top spending category up to $500 per month, it is hard to argue with.

If you are just getting started with credit cards, this is a great cash back alternative to the Chase Freedom cards.

intro offer

$200

Annual fee

$0

REwards Rate

5% cash back on purchases in your top eligible spend category each billing cycle

1% unlimited cash back on all other purchases

more details

Bilt Mastercard®
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Not Just For Renters

When this card came on the market it was instantly THE must-have card for anybody that pays rent.

However, the benefits of this card do not end there. Their 'rent day' promotions offer some of the best point-earning opportunities in the entire industry.

Since this card's release, they have gradually built up an impressive stable of travel partners you can transfer your points out to.

intro offer

N/A

Annual fee

$0

REwards Rate

3X Points on dining

2X Points on travel

1X Points on rent paymentS

more details

The Platinum Card® from american express
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King of
Travel Benefits

Truly the card by which all other travel cards are judged, it sets the standard by offering value far beyond its hefty annual fee.

The list of benefits and credits this card brings is long, but if they line up with your lifestyle and you are a frequent traveler, it is a no-brainer.

intro offer

80,000 Membership Rewards Points 

Annual fee

$695

REwards Rate

5X points on flights

5X points on hotels booked on amextravel.com

1X points on all other purchases

more details

Chase ink Business Unlimited® Card
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Big Bonus for Small Business

When people realize that yes, in fact, they ARE eligible for small business credit cards, this is often the first card they aspire to pick up.

In the U.S., pretty much any non-W-2 income may qualify you as a small business. This includes selling old furniture through FB marketplace, flipping sneakers on eBay, or signing up to deliver for Uber Eats.

This card is basically the business version of the Freedom Unlimited card but comes with an eye-popping bonus all for no annual fee.

intro offer

$750

Annual fee

$0

REwards Rate

1.5% unlimited cash back on every purchase made for your business

more details

chase ink Business Cash® Card
Underrated Powerhouse

Small business owners that get this card may initially be drawn to the $0 annual fee and sign up bonus, but then later realize just how much of an earner it can be.

Don't sleep on the office supply (which can include online shopping through the major official supply stores), internet/cable, and phone service categories!

intro offer

$750

Annual fee

$0

REwards Rate

5% cash back on the first $25,000 spent on select business purchases each year

2% cash back on the first $25,000 spent on gas and restaurants each year

1% unlimited cash back on all other purchases

more details

Chase Ink Business Preferred® Card
Ecom Earner

As the name implies, this card has many parallel benefits to the Sapphire Preferred card, which puts it in the category of a travel card. But that's not all!

It's the 3x multiplier here on shipping and online advertising that makes this card a dream earner for anyone in the e-commerce business.

intro offer

100,000 Ultimate Rewards® points  

Annual fee

$95

REwards Rate

3x points on the first $150,000 spent in combined purchases on travel, shipping purchases, internet, cable, phone services, and social media/search engine advertising each year

1x points on all other purchases, with no limit

more details

EDITORIAL DISCLOSURE

Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airlines or hotel chain, vendors or companies, and have not been reviewed, approved, or otherwise endorsed by any of these entities.
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