Best Credit Cards — May 2025

To make choosing your next card a bit easier, we've ranked the best credit card offers below with an eye toward those that can help you book luxury travel. Factors include: the welcome/sign-up bonus, bonus categories, and perks/benefits.

We strive to find the best offers available even if we won't earn a commission or earn a referral bonus. If you think we've missed a better offer, please let us know so we can investigate.

Best travel credit cards

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Chase Sapphire Preferred® Card
CURRENT OFFER
100,000
Points
Earn 100,000 bonus points after $5,000 in purchases in your first 3 months from account opening.
ANNUAL FEE
$95
Terms apply
WHY WE LIKE IT
A go-to for beginners. It's an easy way to earn more points with bonus categories on travel, dining and more. Plus, you can transfer points to airline and hotel partners.
Chase Ink Business Preferred
CURRENT OFFER
90,000
Chase Ultimate Reward Points
after you spend $8,000 on purchases in the first 3 months after account opening
ANNUAL FEE
$95
Terms apply
WHY WE LIKE IT
It’s tough to find a better business card with transferable points. Businesses can earn 3x points on a bunch of categories up to $150k per year. Plus, it comes with a great cell phone protection benefit.
Chase Ink Business Unlimited®
CURRENT OFFER
$750
Cash Back
after you spend $6,000 in 3 months.
ANNUAL FEE
$0
Terms apply
WHY WE LIKE IT
While listed as a cashback card, you can combine the points you earn with another Ultimate Rewards card. That will allow you to transfer the points from the Ink Unlimited to airline and hotel partners.
Chase Ink Business Cash®
CURRENT OFFER
Up To $750
Cash Back
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
ANNUAL FEE
$0
Terms apply
WHY WE LIKE IT
While listed as a cashback card, you can combine the points you earn with another Ultimate Rewards card. That will allow you to transfer the points from the Ink Cash to airline and hotel partners.
Chase Sapphire Reserve®
CURRENT OFFER
60,000
Chase Ultimate Rewards Points
after you spend $4,000 on purchases in the first 3 months from account opening.
ANNUAL FEE
$550
Terms apply
WHY WE LIKE IT
The big brother of the Sapphire Preferred, it's a good option if you want lounge access and the ability to redeem points at 1.5 cents per point.
Chase Freedom Unlimited®
CURRENT OFFER
$200
Cash Back
after spending $500 on purchases in your first 3 months from account opening.
ANNUAL FEE
$0
Terms apply
WHY WE LIKE IT
It might technically earn cashback but, when paired with a Sapphire or Ink Preferred, your points can be transferred to partners. Thanks to great 3% bonus categories and 1.5% back on all other spend, this is a great supplementary card.
Chase Freedom Flex℠
CURRENT OFFER
$200
Cash Back
after spending $500 on purchases in your first 3 months from account opening.
ANNUAL FEE
$0
Terms apply
WHY WE LIKE IT
It might technically earn cashback but, when paired with a Sapphire or Ink Preferred, your points can be transferred to partners. Thanks to great 3% bonus categories and rotating quarterly 5% bonus categories, this is a great supplementary card.
Capital One Venture X®
CURRENT OFFER
75,000
Venture Miles
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
ANNUAL FEE
$395
Terms apply
WHY WE LIKE IT
One of my favorite cards on the market right now. I regularly use it to earn 2x on spend that otherwise would earn 1x. Throw in lounge access and up to 3 free authorized users (who also get lounge access), and you have something special.
The Platinum Card® from American Express
CURRENT OFFER
100K points + 10X on dining
Membership Rewards® Points
100K points after $8K spend in 6 months + 10x on dining for 6 months (on up to $25K in purchases). Terms apply. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
ANNUAL FEE
$695
Terms apply
WHY WE LIKE IT
A great card for lounge access, statement credits, and premium cabin flight discounts. The best offer is currently via personal referral. Click "Learn More" below to apply via referral.
American Express® Gold Card
CURRENT OFFER
75K points + 20% back at restaurants
Membership Rewards® Points
75K points after $6K in purchases in the first 6 months + 20% back at restaurants for the first 6 months up to $250 back. Terms apply Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer. Open browser in Incognito mode for the best chance at the 100,000 offer.
ANNUAL FEE
$325
Terms apply
WHY WE LIKE IT
One of the best cards for earning Amex points thanks to 4x on groceries (up to $25k per year) and 4x at restaurants. The best offer is currently via personal referral.
The Business Platinum Card® from American Express
CURRENT OFFER
250,000
Membership Rewards® Points
250K points after $20K spend in the first 3 months. Terms apply. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
ANNUAL FEE
$695
Terms apply
WHY WE LIKE IT
A card packed with perks and statement credits for small business owners.
American Express® Business Gold Card
CURRENT OFFER
100,000
Membership Rewards® Points
100K points after $15K spend in 3 months.
ANNUAL FEE
$375
Terms apply
WHY WE LIKE IT
Earn 4x on a bunch of categories on up to $200k per calendar year. It's possible to get a welcome offer for 130k points but it's highly targeted.
Citi Strata Premier Card
CURRENT OFFER
Ending soon
75,000
Citi ThankYou Points
after making $4,000 in purchases with your card within the first 3 months of account opening.
ANNUAL FEE
$95
Terms apply
WHY WE LIKE IT
Not only is this card the best way to start earning valuable ThankYou Points, but it has some great 3x bonus categories and an annual $100 hotel credit. Not bad for a card with a low annual fee.
Capital One Venture X Business
CURRENT OFFER
150,000
Venture Miles
Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
ANNUAL FEE
$395
Terms apply
WHY WE LIKE IT
An easy way to earn 2x on all of your business spend and get a bunch of travel perks.
Capital One Spark Cash Select for Excellent Credit
CURRENT OFFER
$500
Cash back
Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening
ANNUAL FEE
$0
Terms apply
WHY WE LIKE IT
Listed as a cashback card, you can turn the cash into transferable points by moving the ot to a card that earns Capital One miles (e.g. Venture X).
Capital One Spark Cash Plus
CURRENT OFFER
$2,000
Cash back
Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
ANNUAL FEE
$150
Terms apply
WHY WE LIKE IT
Listed as a cash back card, you can turn the cash into transferable points by moving the cash back to a card that earns Capital One Miles (i.e. Capital One Venture X). It’s also a charge card so there’s no set limit if you have large business expenses.
American Express® Green Card
CURRENT OFFER
40,000
Membership Rewards® Points
Earn 40,000 Membership Rewards Points after you spend $3,000 on purchases on your new Card in your first 6 months of Card Membership. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
ANNUAL FEE
$150
Terms apply
WHY WE LIKE IT
A lower annual fee than the Platinum or Gold, the Green Card is a solid earner with 3x on dining and travel. You’ll also get an annual $100 credit for both a CLEAR membership and LoungeBuddy. Just make sure you apply for the best welcome offer.
Capital One Spark Miles for Business
CURRENT OFFER
50,000
Capital One Miles
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
ANNUAL FEE
$0
Terms apply
WHY WE LIKE IT
A slightly cheaper alternative to the Spark Cash Plus. You still earn 2x on all spend but you’ll have a credit limit. If you don’t have as much business spend, this could be a good choice to earn Capital One miles.
Citi Double Cash Card
CURRENT OFFER
20,000
ThankYou Points
when you spend $1,500 in the first 6 months
ANNUAL FEE
$0
Terms apply
WHY WE LIKE IT
Pair this no annual fee card with the Citi Premier and the cash back you earn can become transferable ThankYou Points. Since you’ll earn 2x on all purchases, this card makes sure you never have to earn 1x.

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