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Consistently finding the best credit card offers for signup/welcome bonuses, purchase rewards, or shopping credits can be a rewarding find. But with so many cards available, it can be quite difficult to parse through the options. We know that, so we’ve put together a list to help sort the best cards by what your travel goals are. Here are several credit cards with the best deals to consider to expand your purchasing power.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
Which Credit Card Offers Best Deals on Flights?
These three different credit cards with flight perks come with flexibility and travel rewards. The best option depends on how you like to book your flights and whether you fly in the premium cabin or the main cabin.
- Chase Sapphire Preferred® Card: The Sapphire Preferred makes each point worth 25% more at 1.25 cents when booking award flights through Chase Ultimate Rewards®. The Chase 1:1 airline transfer partners have an impressive lineup, including United, Southwest Airlines, Aeroplan, and more.
- The Platinum Card® from American Express: Receive perks on premium cabin international flights from many carriers or transfer at a 1:1 ratio to participating airlines. The Business Platinum Card® from American Express reimburses a portion of your Membership Rewards® Points to redeem on a second award flight redemption.
- Capital One Venture X Rewards Credit Card: The premium Venture X Rewards partners with Hopper to predict flight price trends and offers price drop protection on qualifying fares. You also earn at least 2x miles on all travel purchases and can redeem your miles as a travel statement credit after paying with money directly from the airline or through a third-party booking site.
Of course, you may also consider a co-brand airline credit card to earn airline miles on every purchase and enjoy in-flight purchase savings. Elite travel perks like priority boarding can also be readily available. Note that the cards listed above are often listed as the best travel credit cards.
On Hotels?
Hotel credit cards can provide sweet deals at your favorite mid-tier and luxury brands. You can get on-property credits and free anniversary reward nights.
Below are some of our favorite hotel credit card offers:
- Hilton Honors American Express Aspire Card: Cardholders enjoy up to $400 in Hilton resort credits and $100 in Hilton on-property credits per year. At least one free night reward is available each year starting at account opening and after each card renewal. This is the best Hilton credit card for luxury travelers. The annual fee is $450 (See rates & fees).
- The World of Hyatt Credit Card: This personal credit card provides one free Category 1-4 free night award after each account anniversary and a second after $15,000 in spending per year. Hyatt has low award night pricing, so it can be easier to book free nights. Cardholders also receive World of Hyatt Discoverist status for additional on-property perks that include space-available room upgrades and 10% bonus points on stays.
- World of Hyatt Business Credit Card: Business travelers enjoy up to $100 per year in Hyatt statement credits, complimentary Discoverist elite loyalty status, and up to 15% discounts through the Hyatt Leverage program.
Don’t forget about the Chase Sapphire Preferred® Card $50 annual hotel statement credit for flexible travel rewards. The first $50 in hotel bookings through Chase Ultimate Rewards annually qualify for this bonus.
On Shopping?
Credit cards can also provide extra savings or improved purchase rewards on qualifying purchases and merchants.
For instance, many of the top credit cards from Chase, the cards from American Express, and the credit cards from Capital One offer bonus cash back with select online and in-store merchants. You can receive a statement credit in addition to the standard purchase rewards, such as 1x points or 1.5% back. The offers vary by card, with premium cards receiving more valuable offers.
Some of the other curated credit card offers include:
- Blue Cash Everyday® Card from American Express: This cash back credit card earns 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%), 3% Cash Back on U.S. online retail purchases (on up to $6,000 per year then 1%), and 3% Cash Back at U.S. gas stations (on up to $6,000 per year, then 1%). Cardholders can also enjoy statement credits to The Disney Bundle and Home Chef. There is a $0 annual fee (See Rates and Fees).
- Prime Visa: Amazon Prime members earn unlimited 5% back on Amazon.com, Amazon Fresh, Whole Foods Markets, and Chase Travel purchases. Gas station, restaurant, and local transit or commuting purchases earn 2% back. Non-Prime members can earn up to 3% back on purchases.
- Capital One Quicksilver Cash Rewards Credit Card: Earn unlimited 1.5% back on purchases and pay no foreign transaction fee on overseas purchases. Hotels and car rentals booked through Capital One Travel net 5% back. You can redeem your rewards with no minimum redemption.
These three recommendations are some of the cash back credit cards that are considered the best as they don’t charge an annual fee.
Which Credit Card Offers the Best Deals?
Several credit cards offer amazing deals as an ongoing card benefit. Here are two cards to consider if you like to travel, plus one for earning cash back.
- Chase Sapphire Preferred® Card: Many people love the Sapphire Preferred as you earn bonus points on dining, travel, online grocery orders, and select streaming services. You will also earn bonus points equal to 10% of your annual spending. This card also has impressive travel insurance coverage with a reasonable $95 annual fee.
- The Platinum Card® from American Express: If you want a premium card that is worth having, this one provides complimentary access to several airport lounge networks, Saks Fifth Avenue, Equinox, Uber and Uber Eats, Walmart Plus, and digital entertainment services. Frequent travelers who utilize the air travel and lifestyle perks can easily offset the $695 annual fee (See Rates & Fees).
- U.S. Bank Shopper Cash Rewards® Visa Signature® Card: Earn up to 6% back at two retailers of choice, up to 3% back on one everyday category, and 1% on everything else. You can enjoy a $0 introductory annual fee for the first 12 months and then pay $95 on each anniversary.
Summary
In conclusion, the credit card with the best deals is the one that works best for your needs. Rewards credit cards come in all shapes and sizes with different benefits, bonus categories, and annual fees. You may have one or several in your pocket to use at various times as you make travel and retail purchases to benefit the most from.
For rates and fees of the Hilton Honors American Express Aspire Card, please click here.
For rates and fees of The Platinum Card® from American Express, please click here.
And for rates and fees of the Blue Cash Everyday® Card from American Express, please click here.
