Share with friends who are paying retail price for their travel!

We’ve simplified things with our “Best Of” rankings here. If you don’t have time to research cards, take advantage of our expertise! Travel Freely is here to help you with the best credit card offers. Need a primer on Rewards Cards? Check out Rewards Cards 101 or watch our Free Travel 101 webinar for absolute beginners.

Don’t Let Offers Disappear – We’ve seen a LOT of offers come and go. Some offers have clear expiration dates, and others just vanish without warning. My advice: If you are ready for another card, and you know the card you want… Don’t delay!

Beginner? Free Travel Starts Here.

1. Make sure you sign up for Travel Freely – it’s free, and you’ll immediately get access to the short ebook Free Travel 101 and receive custom card recommendations. (We don’t ask for credit card info or any sensitive information).

2. Sign up for our new LIVE webinars called Reward Hacking 101: ​Stay Smart & Maximize Rewards In These Uncertain Times.

3. If you’re just starting out, we recommend starting slow by getting the very best personal card (or business card) and hitting your bonus. This is often the Chase Sapphire Preferred and the Chase Ink Preferred for business cards.

Highlights for April 2020

Referral contest has 2 weeks left!

Two weeks remain for our first-ever Travel Freely member referral contest! It goes from March 1st to April 15th. The winner will receive a $500 Amazon card. Plus, anyone who refers at least one person to Travel Freely will be entered for a chance to win a $100 Amazon card. Check out the full details and start referring friends.

Coronavirus Strategy

It’s really important to be smart with the kinds of rewards and credit cards you are getting right now. Remember, the Travel Freely approach to racking up rewards does NOT involve traveling. If you spend $1,000+ per month on regular monthly expenses, you stand to earn a lot of great rewards or cash back right from home. Seriously, join a live webinar if you want to learn more.

With that said, big travel discounts are happening now and more are coming in the future. I think most of these discounts will come in the form of cash prices, not award prices. So make sure you have the most flexible types of cards and rewards, such as Chase Ultimate Rewards, to book these discounted rates with points. For the best strategy, please read our Ultimate Flexibility Strategy for Travel AND Cash options.

Coronavirus Posts: Tips and Travel Policies from all major brands; How to Stay Smart and Flexible with Rewards Right Now

Extra Points: Couples Need to Double Up! | Amazing Chase Business Offers | Free Business Owner Guide | Yes! You Are Eligible for Business Credit Cards | Southwest Companion Pass Strategy

Best Credit Card Offers

At Travel Freely, we are all about maximizing great sign-up bonuses. It’s part of our approach to get the most amount of points in the least amount of time. Sign-up bonuses are the #1 way to rack up points WITHOUT traveling or spending a lot of money. Some people get more rewards in one bonus than they would in an entire year’s worth of spending on the same old card they’ve had for 5 years. Check out the BEST deals here.



Our Top Recommendations for 0% APR

Best cards for 0% APR and Balance Transfer

0% Balance Transfer APR: If you’re looking for the best balance transfer options, think about the Citi Simplicity Card with 21 months at 0% for balance transfers. This card also comes with 0% Purchase APR for 12 months. The next best option would be the Citi Double Cash Card with 0% for 18 months on balance transfers. It does not have a 0% Purchase APR offer. Note: You will not earn rewards for the actual balance transfers. Make sure to check terms when applying. For 0% APR, check out the Wells Fargo Cash Wise or Chase Freedom Unlimited.

This card has risen to the top for great everyday spending cards because of it's 2% cash back. Instead of cash back, you can also choose to earn double ThankYou points instead.

$150 after you spend $500 in the first 3 months. Excellent option if you are looking for a simple flat-rate cash back card with $0 annual fee, unlimited 1.5% cash back on purchases, sign-up bonus, and 0% APR offer.

$200 after you spend $500 in the first 3 months. A great cash back or points card with no annual fee and 0% offer. Compliments other Chase cards with 1.5% cash back or 1.5x points on all purchases.

Best 0% Business Cards

50,000 Chase Ultimate Rewards Points after you spend $3,000 in the first 3 months. A no-brainer, great business card with a great bonus, no annual fee, and 0% offer. Your choice to receive 1.5% cash back or 1.5x points.

See New Article: Best Cards for Flexibility: Future Travel AND Cash Back


What’s Our Criteria for the Best Cards?

    • Value of points – Not all points and miles have the same value when it comes time to redeeming them. We take this seriously.
    • 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.
    • 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.
    • 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.
    • Ease-of-use – 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. Avoiding 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 “free” $110 flight!

Here’s Help with Rewards Programs:

The three major bank rewards programs are Chase, Amex, Citi, and Marriot Bonvoy. Here are some comprehensive guides to help you understand them better.

Everything you wanted to know about Citi ThankYou Points.

Everything you wanted to know about Chase Ultimate Rewards.

Everything you wanted to know about Amex Membership Rewards.

Everything you wanted to know about Marriott Bonvoy.


Want personalized recommendations? Log In to your account to see your CardGenie Recommendations.

Related Articles:

Am I Eligible For a Business Credit Card?

Rewards Cards 101: Get to Know Rewards Cards

Get Started with the Chase Sapphire Preferred (Now 60,000 points!)

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