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.

Let's get straight to the point(s). We may earn a commission or referral bonus if you use the links on this page. We do our best to keep track of the best credit card offers publicly available. The opinions expressed here are the author's alone and have not been reviewed, approved, or endorsed by outside parties. Please see our advertiser policy for further details. Thanks so much for your support.

Best Credit Cards — Under 5/24

Chase Ink Business Preferred
Chase 5/24 rule applies
Current Offer
100,000 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 Sapphire Preferred® Card
Chase 5/24 rule applies
Current Offer
60,000 Chase Ultimate Reward Points
after you spend $4,000 on purchases in the 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 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 Sapphire Reserve®
Chase 5/24 rule applies
Current Offer
60,000 Chase Ultimate Rewards Points
Earn 60,000 bonus points after you spend $4,000 in the first 3 months of 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. It’s possible to get a 70,000-point bonus offer by logging into your Chase account.

The Marriott Bonvoy Boundless Card
Chase 5/24 rule applies
Current Offer
5 Free Nights
Earn 5 free nights (up to 50,000 each) after you spend $5,000 on purchases in the first 3 months from account opening. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
Annual Fee
$95
Terms apply.
Why We Like It

You’ll receive an annual free night certificate (worth up to 35k points) and 15 elite night credits which make it much easier to earn Platinum Elite status.

British Airways Visa Signature
Chase 5/24 rule applies
Current Offer
Up to 125,000 Avios
Earn 75,000 Avios after you spend $5,000 on purchases within the first 3 months of account opening.*same page link to offer details. Earn an additional 50,000 Avios after you spend $20,000 within the first 12 months of account opening. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
Annual Fee
$95
Terms apply.
Why We Like It

Earn a Travel Together (2-for-1) ticket after spending $30,000 in a calendar year.

Iberia Visa Signature
Chase 5/24 rule applies
Current Offer
Up to 125,000 Avios
Earn 75,000 Avios after you spend $5,000 on purchases within the first 3 months of account opening. Earn an additional 50,000 Avios after you spend $20,000 within the first 12 months of account opening. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
Annual Fee
$95
Terms apply.
Why We Like It

10% discount on Iberia flights and a $1,000 discount voucher if you spend $30,000 in a calendar year.

Aer Lingus Visa Signature®
Chase 5/24 rule applies
Current Offer
Up to 125,000 Avios
Earn 75,000 Avios after you spend $5,000 on purchases within the first 3 months of account opening.sEarn an additional 50,000 Avios after you spend $20,000 within the first 12 months of account opening. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
Annual Fee
$95
Terms apply.
Why We Like It

Earn a Companion Ticket after spending $30,000 in a calendar year.

United℠ Business Card
Chase 5/24 rule applies
Current Offer
75,000 United Miles
after you spend $5,000 on purchases in the first 3 months your account is open.
Annual Fee
$99 $0 for your first year, then $99.
Terms apply.
Why We Like It

A solid option to earn some more United miles for United or Star Alliance flights.

United Quest℠
Chase 5/24 rule applies
Current Offer
70,000 United Miles
Earn 70,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.
Annual Fee
$250
Terms apply.
Why We Like It

The United Quest Card is probably the co-branded United card overall with a nice bonus plus ways for United flyers to offset the annual fee.

Aeroplan Credit Card
Chase 5/24 rule applies
Current Offer
Up to 100,000 Aeroplan Points
Earn 60,000 points after you spend $4,000 on purchases in the first three months your account is open. Plus, earn 40,000 points after you spend $20,000 in the first 12 months.
Annual Fee
$95
Terms apply.
Why We Like It

An easy way to earn points for award tickets on Star Alliance carriers, Etihad, and more. 3x at grocery stores is a great bonus category.

United℠ Explorer Card
Chase 5/24 rule applies
Current Offer
60,000 United Miles
Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
Annual Fee
$95 $0 for your first year, then $95.
Terms apply.
Why We Like It

The Explorer Card lost a bit of its luster with the launch of the Quest Card. However, with a good welcome bonus, the lower annual fee and free checked bag perk might be enough for some folks.

United Club℠ Infinite
Chase 5/24 rule applies
Current Offer
90,000 United Miles
Earn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
Annual Fee
$525
Terms apply.
Why We Like It

The best perk is the United Club membership. When flying United or Star Alliance carriers, this provides access to United Clubs (plus children or two guests) and many Star Alliance business class lounges (plus one guest on your flight).

World of Hyatt Business Credit Card
Chase 5/24 rule applies
Current Offer
Up to 75,000 Bonus Points
65,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening. Earn an additional 15,000 Bonus Points after you spend $12,000 in the first 6 months.
Annual Fee
$199
Terms apply.
Why We Like It

A solid welcome bonus plus the ability to earn elite nights per $10,000, it’s a great business card option for those who like Hyatt.

IHG® One Rewards Premier Credit Card
Chase 5/24 rule applies
Current Offer
165,000 Bonus Points
after spending $3,000 on purchases in the first 3 months from account opening.
Annual Fee
$99
Terms apply.
Why We Like It

A free night certificate on your account anniversary worth up to 40k points, 4th night free on award bookings, and Platinum Elite status make this a card worth considering.

IHG Rewards Premier Business Credit Card
Chase 5/24 rule applies
Current Offer
140,000 IHG Points
after spending $3,000 on purchases in the first 3 months from account opening
Annual Fee
$99
Terms apply.
Why We Like It

A solid option for business owners (and anyone with a side hustle) to earn some IHG points.

World of Hyatt Credit Card
Chase 5/24 rule applies
Current Offer
Up to 65,000 Bonus Points
Earn 35,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
Annual Fee
$95
Terms apply.
Why We Like It

You’ll get an annual free night certificate for a Category 1-4 property and you can earn a second by spending $15,000 in a year. You’ll get 5 elite nights each year with the card plus you can earn 2 elite nights per $5,000 spent.

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.

Southwest Rapid Rewards® Priority Card
Chase 5/24 rule applies Offer ending soon
Current Offer
30,000 Rapid Rewards® Points
Limited-time offer: earn Companion Pass® good through 2/28/25 plus 30,000 points after you spend $4,000 on purchases in the first 3 months.
Annual Fee
$149
Terms apply.
Why We Like It

Quite possibly the best personal Southwest card of the bunch. You get 4 upgraded boardings each year, 7,500 Rapid Rewards points upon renewal, and a $75 Southwest credit each year. And, of course, it can help you earn the Southwest Companion Pass.

Southwest Rapid Rewards® Premier
Chase 5/24 rule applies Offer ending soon
Current Offer
30,000 Rapid Rewards® Points
Limited-time offer: earn Companion Pass® good through 2/28/25 plus 30,000 points after you spend $4,000 on purchases in the first 3 months.
Annual Fee
$99
Terms apply.
Why We Like It

A cheaper alternative to the Southwest Priority card, you’ll receive 2 upgraded boardings each year as well as 6,000 Rapid Rewards points upon renewal. Points you earn with this card count toward the Southwest Companion Pass.

Southwest Rapid Rewards® Plus
Chase 5/24 rule applies Offer ending soon
Current Offer
30,000 Rapid Rewards® Points
Limited-time offer: earn Companion Pass® good through 2/28/25 plus 30,000 points after you spend $4,000 on purchases in the first 3 months.
Annual Fee
$69
Terms apply.
Why We Like It

With no annual fee, this card can help you earn the Southwest Companion Pass. You’ll also receive 2 upgraded boardings each year as well as 3,000 Rapid Rewards points upon renewal.

IHG One Rewards Traveler Credit Card
Chase 5/24 rule applies
Current Offer
100,000 Bonus Points
after spending $2,000 on purchases in the first 3 months from account opening.
Annual Fee
$0
Terms apply.
Why We Like It

Even with no annual fee, you can get a 4th night free on your award stays. Personally, I’d prefer the IHG Premier Card.

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