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!
Please note: You can support Travel Freely by using our partner links when you sign up for a card, which may earn us a commission. See full advertising disclosure below. If there’s a better link I can offer that will not earn commission, I will post the better offer. I hope that earns your respect and trust over time.
Highlights for November
Free Travel 101 Webinar is now Available for Everyone On-Demand
Here’s an early holiday gift! Instead of signing up for our webinar, you can now watch it on-demand. Just go here – WATCH Free Travel 101 NOW – and watch at your convenience! Feel free to share this with friends and family. It’s the easiest way to get past the free travel learning curve.
Chase Ink Tricks for Holiday Shopping
The Chase Ink Business Cash card has a great 50,000 point bonus and no annual fee, but it also allows you to earn 5x Chase points at office supply stores (up to $25k spending per year). That means you can buy gift cards to Amazon, Home Depot, Lowe’s, Apple, etc. before doing your shopping. Want an $800 shopping spree? Consider the Chase Ink Business Preferred with it’s monster 80,000 point sign-up bonus. The bonus is worth up to $1,500 in free travel, but you can also redeem the points for $800 in cash or gift cards if you’re not planning on much travel in 2020.
Look at a New Card or 0% APR Card for Holiday Shopping
If you don’t get a card very often, it might be a great time to get a new card. Banks normally offer good 0% APR deals at this time of year because of increase spending on holiday shopping. Our picks would be the Chase Freedom Unlimited (15 months 0% APR AND 1.5x on all purchases) for a travel rewards card. Or, for a straight up cash back card with good earning and 0% APR, the Capital One Quicksilver card is a good option.
Extra Holiday Shopping Tip #2: Earn an easy $50 (
$200 $150 for couples). Update 11/6/19: The SoFi $50 offer is still alive but reduced to $50 per referral. Here is my wife Virginia’s referral link. Email me if you need more details on this. I’ve already been able to transfer money back to my Chase checking account, so all is looking good!
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.
- Overall Best Starter Travel Card: Chase Sapphire Preferred Card (60,000 points)
- Best “No-Thinking” Card for Beginners: Capital One Venture Rewards (50,000 points)
- Overall Best Business Travel Card: Chase Ink Business Preferred (80,000 points)
- Best Travel Business Card With No Annual Fee: Chase Ink Business Cash (50,000 points / $500 bonus)
- Best Airline Personal Card: Chase Sapphire Preferred (60,000 points)
- Best Airline Business Card: Chase Southwest Performance Business (70,000 Miles) and Citi Business Advantage Platinum Select (70,000 Miles)
- Best Hotel Personal Card: Chase World of Hyatt (50,000 points)
- Best Hotel Business Card:Amex Marriott Bonvoy Business Card (75,000 points)
- Best Cash Back Personal Card: Chase Freedom Unlimited ($200 bonus and 1.5x on all purchases)
- Best Cash Back Business Card: Capital One Spark Cash for Business ($2,000 bonus for $50k spend)
- Best Ultra-Premium Card: Amex Platinum or Chase Sapphire Reserve
- Best Card for College Students/Grads: Chase Freedom Unlimited or Discover It Student
- Best 0% APR Cards: Chase Freedom Unlimited or Chase Freedom or Capital One Quicksilver (both 15 months 0% APR)
- Best 0% APR Business Card: Chase Ink Cash (50,000 points and 0% APR)
Amazing Offers on Chase Business Cards
Ink Preferred – 80,000 Points (Learn More)
This is the best overall business card right now with a great sign-up bonus and 3X categories. It’s hard to beat the Chase Ink Business Preferred if you’re looking for an all-around business card that has flexible redemption options and can be combined with your personal Chase Ultimate Rewards points.
- Earns 3X rewards on travel, shipping, internet, cable, phone, and advertising with social media sites (up to $150K spend per year)
- Points worth 25% more when redeemed for travel
- Cell phone protection against theft or damage
- No foreign transaction fees
Incredible signup bonus for a no-fee card. An excellent companion to the Ink Preferred, personal Sapphire Reserve or Sapphire Preferred. Like the personal Sapphire cards, this card earns valuable Chase Ultimate Rewards.
- Earn 5X rewards (on first $25k spent) for phone, TV, internet, and office supply stores.
- Earn 2X rewards on gas and restaurants
- It has 0% APR for 12 months
- No Annual Fee
An all-round great cash back business card with no annual fee. It’s very simple. You earn unlimited 1.5 points per $1 spent on all purchases. Also has 0% APR for 12 months. This can be a great standalone card, but it is a excellent companion card to the Ink Business Preferred, Sapphire Reserve or Sapphire Preferred!
- Earn 1.5X rewards on Everything
- It has 0% APR for 12 months
- No Annual Fee
|Card||Sign-up Bonus||Spending Required||Annual Fee|
|Ink Preferred||80,000||$5,000 in first 3 months||$95|
|Ink Cash||$500||$3,000 in first 3 months||$0|
|Ink Unlimited||$500||$3,000 in first 3 months||$0|
Our Top Recommendations for 0% APR
The Chase Freedom Unlimited is our top choice for 0% APR AND Travel Rewards because it currently has a 15 month 0% APR offer AND it can earn 1.5x Chase Ultimate Rewards points for every purchase. This card is marketed as a cash back card, but you can elect to get Ultimate Rewards points instead and redeem for free travel. These points become even more valuable if you have a Chase Sapphire Preferred or Reserve where you can easily transfer points to get 25-50% more value in the Chase Travel Portal. If you like the rotating 5x spending categories, then the Chase Freedom may be a great idea, too.
The Chase Ink Business Cash is our top business credit card choice for a 0% APR card AND Travel Rewards. Just like the Chase Freedom Unlimited personal card, it can earn 1.5x Chase Ultimate Rewards points for every purchase. You can also earn 5x points in several categories, including buying gift cards to your favorite stores at office supply stores.
If you already have these cards or looking for something else, here are some other great options:
Special Guide for Business Owners
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.
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