Best Credit Cards – February 2024

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.

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Best Credit Cards — Cash Back

Chase Ink Business Unlimited®
Chase 5/24 rule applies
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®
Chase 5/24 rule applies
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 Cash to airline and hotel partners.

Chase Freedom Unlimited®
Chase 5/24 rule applies
Current Offer
$200 Cash Back
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. Earn 5% cash back on combined gas station and grocery store purchases (not including Target and Walmart) on up to $12,000 spent in the first year.
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℠
Chase 5/24 rule applies
Current Offer
$200 Cash Back
after you spend $500 in the first 3 months. Plus earn 5% cash back on up to $12,000 spent on grocery store purchases in your first year (excluding Target and Walmart). Note: These card details have been collected independently by STTP and have not been provided by the card issuer.
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 Spark Cash Plus
Current Offer
Up to $3,000 Cash back
For a limited time, earn up to a $3,000 cash bonus: $1,500 once you spend $20,000 in the first 3 months, and an additional $1,500 once you spend $100,000 in the first 6 months
Annual Fee
$150
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). It’s also a charge card so there’s no set limit if you have large business expenses.

Capital One Spark Cash Select for Excellent Credit
Current Offer
$750 Cash back
when you spend $6,000 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).

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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