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Marriott Bonvoy Boundless® Credit Card: A Solid Choice for Marriott Enthusiasts

The Marriott Bonvoy Boundless® Credit Card from Chase is a hotel rewards card that caters specifically to loyal Marriott Bonvoy members. It offers a good balance of earning potential, perks, and a free night award each year, making it a valuable option for those who frequently stay at Marriott properties. Our Verdict:

• High Points Earning at Marriott: Earn 6X points on eligible purchases at participating Marriott Bonvoy hotels, maximizing your rewards for your stays.
• Solid Bonus Categories: Earn 3X points on the first $6,000 spent each calendar year on combined purchases at gas stations, grocery stores, and dining, including takeout and eligible delivery services (then 2X points).
• Free Night Award: Receive an annual free night award worth up to 35,000 points on your account anniversary, providing a valuable opportunity for a complimentary stay.
• Automatic Silver Elite Status: Enjoy automatic Marriott Bonvoy Silver Elite status, which comes with perks like late checkout and bonus points on stays.
• Path to Gold Elite Status: Earn Marriott Bonvoy Gold Elite status after spending $35,000 on the card in a calendar year, unlocking additional benefits like room upgrades and enhanced bonus points.

However, consider these factors:

• Annual Fee: The $95 annual fee requires careful consideration to ensure you’ll earn enough points and utilize the free night award to offset the cost.
• Limited Transfer Partners: While points can be transferred to Marriott Bonvoy, the card lacks the flexibility of transferring points to a wide range of airline and hotel partners.
• Spending Cap on Bonus Categories: The 3X points earning on gas, groceries, and dining is capped at $6,000 per year, reverting to 2X points thereafter.

Overall, the Marriott Bonvoy Boundless® Credit Card is a good option for those who are loyal to the Marriott Bonvoy program and stay at Marriott properties frequently. If you can maximize its bonus categories and utilize the annual free night award, it can be a rewarding addition to your wallet.

World of Hyatt Credit Card: A Hotel Rewards Card for Hyatt Loyalists

The World of Hyatt Credit Card is a co-branded hotel credit card that caters specifically to those who frequently stay at Hyatt hotels and resorts. Its combination of bonus points, free night certificates, automatic elite status, and other perks make it an attractive option for Hyatt enthusiasts. Our Verdict:

• Valuable Bonus Points and Free Nights: Earn a substantial welcome bonus and an annual free night certificate at Category 1-4 Hyatt properties, providing excellent opportunities for complimentary stays.
• Elevated Earning Rate at Hyatt Properties: Earn 9X points on eligible Hyatt spending, maximizing your rewards for stays and other Hyatt purchases.
• Automatic Hyatt Elite Status: Enjoy complimentary Discoverist status in the World of Hyatt program, granting perks like late check-out, preferred room availability, and bonus points.
• Pathway to Higher Elite Status: Earn 5 tier-qualifying night credits each year and 2 additional credits for every $5,000 spent, accelerating your progress towards higher tiers of Hyatt elite status.
• No Foreign Transaction Fees: Use this card internationally without incurring foreign transaction fees, making it a suitable option for international travel.

However, some considerations include:

• Annual Fee: The $95 annual fee requires careful evaluation to ensure the card’s benefits and rewards align with your Hyatt spending and loyalty.
• Limited Bonus Categories Outside Hyatt: While the card offers bonus points in other categories (restaurants, airfare, transit, fitness), its primary focus is Hyatt spending.
• Value Dependent on Hyatt Loyalty: The card’s value is maximized for those who frequently stay at Hyatt properties.

Overall, the World of Hyatt Credit Card is a strong choice for those who are loyal to Hyatt hotels. If you value free nights, automatic elite status, and accelerated progress towards higher tiers of Hyatt status, this card can be a rewarding addition to your wallet.

United℠ Business Card: A Rewarding Card for Frequent United Flyers and Business Expenses

The United℠ Business Card from Chase is a co-branded airline credit card that caters to businesses that frequently fly with United Airlines. Its combination of bonus miles, travel perks, and business-related rewards make it an appealing option for companies seeking to maximize their travel and business spending. Our Verdict:

• Generous Welcome Bonus: Earn 75,000 bonus miles after spending $5,000 on purchases in the first 3 months from account opening, providing a solid foundation for award flights, upgrades, or other travel rewards.
• Bonus Miles on United Purchases: Earn 2 miles per $1 spent on United Airlines tickets purchased directly from United, as well as on eligible United purchases like seat upgrades, Economy Plus®, inflight amenities, and baggage service charges.
• Bonus Miles on Business Categories: Earn 2 miles per $1 spent on dining, gas stations, office supply stores, and local transit and commuting, maximizing your rewards on common business expenses.
• Free Checked Bag: Enjoy a free first checked bag for yourself and one companion on the same reservation when you use the card to purchase your United or United Express-operated flights.
• $100 United Travel Credit: Receive a $100 statement credit each anniversary year after making seven United flight travel-related purchases of $100 or more.
• Premier Qualifying Points (PQP): Earn 25 Premier Qualifying Points (PQP) for every $500 in net purchases, up to a maximum of 1,000 PQP per calendar year, accelerating your progress toward United MileagePlus Premier status.
• United Club Passes: Receive two United Club one-time passes each account anniversary year, providing access to United’s airport lounges.

However, some considerations include:

• Annual Fee After First Year: While the annual fee is waived for the first year, it becomes $99 from the second year onwards. Evaluate your spending habits to ensure the card’s benefits and rewards outweigh the cost.
• United Airlines-Centric Rewards: The card’s rewards are primarily geared towards United Airlines. If your business flies other airlines frequently, other cards may offer more flexible travel rewards.

Overall, the United℠ Business Card from Chase is a valuable option for businesses that prioritize United Airlines travel and want to earn rewards on both airfare and business expenses. Its combination of bonus miles, travel perks, and business-related rewards make it a compelling choice for companies looking to streamline their travel and spending.

Bilt World Elite Mastercard® Credit Card: A Rewarding Card for Renters and Travelers

The Bilt World Elite Mastercard® Credit Card, issued by Wells Fargo, in partnership with Bilt Rewards, is a unique credit card that allows you to earn rewards on rent payments without fees, while also offering valuable travel perks and bonus rewards on dining and travel purchases. Its no-annual-fee structure makes it an appealing option for renters and travelers looking to maximize their rewards. Our Verdict:

• Earn Points on Rent Payments: Earn 1 point per $1 spent on rent paid through the Bilt App or website (up to 100,000 points per year) with no transaction fees, a unique benefit that sets this card apart.
• Bonus Rewards on Travel and Dining: Earn 3X points on dining purchases and 2X points on travel purchases, making it a rewarding card for those who prioritize these spending categories.
• Welcome Bonus: Earn 2x points on all purchases for 30 days, up to 10,000 points.
• Travel Benefits: Enjoy benefits such as trip cancellation/interruption protection, trip delay reimbursement, and auto rental collision damage waiver, offering peace of mind for travel.
• Lyft Credits and Rewards: Earn Lyft credits through the “Take 3, Get $5” program and earn up to 5 points per $1 spent on Lyft rides through the Bilt Rewards Program.
• No Annual Fee: Benefit from rewards and travel perks without any ongoing annual costs.
• Cell Phone Protection: Receive up to $800 per claim (and $1,600 per 12 months) for cell phone damage or theft when you pay your monthly cell phone bill with the card.

However, some considerations include:

• 5 Transaction Minimum for Bonus Rewards: To earn points on rent and bonus rewards on other categories, you need to make at least 5 transactions per statement period. If you don’t meet this requirement, you’ll earn a flat 250 points for your rent payment and no points on other purchases.
• Limited Additional Perks: While the card offers travel benefits and cell phone protection, it lacks some of the lifestyle benefits found on other rewards cards.

Overall, the Bilt World Elite Mastercard® Credit Card is an excellent choice for renters who want to earn rewards on their rent payments without fees and for those who spend significantly on dining and travel. Its unique rent rewards program, bonus categories, travel benefits, and no annual fee make it a valuable option for maximizing your rewards.

The Marriott Bonvoy Brilliant® American Express® Card is a top-tier travel rewards card that caters to frequent Marriott hotel guests and those who seek luxury travel experiences. Its high annual fee is accompanied by an array of valuable benefits and perks, making it a compelling option for loyal Marriott Bonvoy members. Our Verdict:

• Exceptional Marriott Bonvoy Benefits: Enjoy automatic Marriott Bonvoy Platinum Elite status, 25 Elite Night Credits annually, a Free Night Award (worth up to 85,000 points) each year after card renewal, and a $100 Marriott property credit for qualifying stays at The Ritz-Carlton® or St. Regis® properties.
• High Points Earning on Marriott Stays: Earn 6X Marriott Bonvoy points on purchases at participating Marriott Bonvoy properties, maximizing your rewards for hotel stays.
• Bonus Points on Travel and Dining: Earn 3X points on flights booked directly with airlines and at restaurants worldwide, making it a rewarding card for travel expenses and dining.
• $300 Annual Dining Credit: Enjoy up to $25 in statement credits each month for dining at restaurants worldwide, potentially offsetting a significant portion of the annual fee.
• Priority Pass Select Membership: Gain access to over 1,300 airport lounges worldwide through a complimentary Priority Pass Select membership, enhancing your travel experience.

However, consider these factors:

• High Annual Fee: The $650 annual fee is a substantial investment. It’s crucial to assess your spending and travel habits to ensure you can extract enough value from the card’s benefits to justify the cost.
• Limited Value Outside Marriott: While the card offers bonus rewards on travel and dining, its primary focus is on Marriott Bonvoy benefits. If you don’t frequently stay at Marriott properties, other cards may provide more versatile rewards.
• No Transfer Bonuses: Transferring points to airline partners is typically at a 3:1 ratio, with a 5,000-mile bonus for every 60,000 points transferred. You won’t find outsized value compared to other Amex cards offering transfer bonuses.

Overall, the Marriott Bonvoy Brilliant® American Express® Card is an excellent option for loyal Marriott guests who can maximize its extensive benefits, particularly Platinum Elite status and the annual Free Night Award. If your travel revolves around Marriott properties and you’re willing to leverage its perks, the Brilliant card can be a valuable asset for elevating your Marriott experiences.

Ink Business Unlimited® Credit Card: A Straightforward Cash Back Card for Businesses

The Ink Business Unlimited® Credit Card from Chase is a no-annual-fee business credit card that offers a simple flat-rate cash back earning structure, making it a good option for businesses that want a hassle-free way to earn rewards on their everyday spending. Our Verdict:

• Simple 1.5% Cash Back: Earn an unlimited 1.5% cash back on all purchases, simplifying the rewards process and providing consistent value.
• Generous Welcome Bonus: The $900 cash back bonus after you spend $6,000 on purchases in the first 3 months from account opening is a substantial upfront reward.
• 0% Intro APR: Enjoy 0% intro APR on purchases for the first 12 months, allowing for interest-free financing.
• No Annual Fee: Enjoy cash back rewards without any ongoing annual costs.

However, some considerations include:

• Foreign Transaction Fee: The card charges a 3% foreign transaction fee, making it less suitable for international purchases.
• No Travel Benefits: Unlike some other Chase Ink cards, the Ink Business Unlimited does not offer travel insurance or other travel-related perks.
• Limited Redemption Options: You can redeem your cash back for statement credits, direct deposit, or gift cards. However, you won’t be able to transfer your points to travel partners like you can with other Chase Ultimate Rewards cards.

Overall, the Ink Business Unlimited® Credit Card from Chase is a solid option for businesses seeking a simple cash back card with no annual fee and a generous welcome bonus. It’s a good choice for businesses that prefer a straightforward earning structure without the need to track bonus categories.

A Great Companion for Frequent Southwest Flyers

The Southwest Rapid Rewards® Plus Credit Card from Chase is a co-branded airline credit card tailored for loyal Southwest Airlines passengers. It offers a compelling array of benefits, including bonus points, travel perks, and the opportunity to earn the coveted Companion Pass, making it an attractive option for those who fly Southwest regularly. Our Verdict:

• Companion Pass Potential: Earn points towards the Companion Pass, allowing a designated companion to fly with you for almost free (excluding taxes and fees) for a year. The card’s sign-up bonus and bonus categories contribute significantly to reaching the required qualifying points.
• Generous Welcome Bonus: Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months. These points hold considerable value for award flights, potentially covering multiple one-way trips.
• Bonus Points on Southwest Purchases and Partners: Earn 2X points on Southwest Airlines purchases and with Rapid Rewards hotel and car rental partners, accelerating your points accrual for Southwest-related spending.
• Bonus Points on Everyday Categories: Earn 2X points on local transit and commuting, including rideshare, internet, cable, and phone services, and select streaming services, expanding the card’s value beyond just flights.
• Annual Companion Pass Qualifying Points Boost: Receive a 10,000-point boost towards Companion Pass qualification each year, simplifying your path to this valuable benefit.
• Anniversary Points and Travel Perks: Earn 3,000 anniversary points each year and enjoy 2 EarlyBird Check-In credits annually, ensuring a smoother and more convenient travel experience.

However, there are a few factors to consider:

• Annual Fee: The $69 annual fee should be weighed against the card’s benefits. Evaluate your Southwest flying frequency and spending to ensure the card’s value outweighs the cost.
• Foreign Transaction Fee: The 3% foreign transaction fee makes the card less suitable for international spending outside of Southwest Airlines’ international destinations.
• Limited Airport Lounge Access: Unlike some premium travel cards, the Southwest Rapid Rewards® Plus Credit Card does not offer complimentary airport lounge access.

Overall, the Southwest Rapid Rewards® Plus Credit Card is an excellent option for individuals who frequently fly Southwest Airlines. Its combination of a lucrative sign-up bonus, points towards the Companion Pass, valuable travel benefits, and bonus categories aligned with everyday spending makes it a rewarding choice for Southwest loyalists.

A Simple Cash Back Card with a Boost

The Chase Freedom Unlimited® is a cash back credit card that stands out for its simplicity and a generous first-year bonus. It offers a flat 1.5% cash back on all purchases, plus an additional 1.5% back on everything during your first year (up to $20,000 spent), effectively giving you 3% back on all purchases during that introductory period. Our Verdict:

• High First-Year Rewards: The combined 3% cash back on all purchases for the first year (up to $20,000 spent) makes this card a cash back powerhouse for new cardholders.
• Simple and Unlimited Cash Back: Earn a consistent 1.5% cash back on all eligible purchases after the first year, making it easy to track rewards without worrying about bonus categories or spending limits.
• Elevated Rewards on Travel, Dining, and Drugstores: Enjoy higher cash back rates on travel booked through Chase Travel (5%), dining (3%), and drugstore purchases (3%), adding value for those who prioritize these spending categories.
• No Annual Fee: The absence of an annual fee makes this card a cost-effective option for earning cash back rewards.
• 0% Intro APR: Benefit from 0% intro APR on purchases and balance transfers for the first 15 months, providing an opportunity for interest-free financing or debt consolidation.

However, some considerations include:

• Foreign Transaction Fee: The 3% foreign transaction fee makes this card less suitable for international spending.
• Limited Additional Perks: While the card offers some travel and purchase protections, it lacks some of the premium benefits found on other cash back cards.

Overall, the Chase Freedom Unlimited® is a great choice for those who want a simple and rewarding cash back card with a strong first-year bonus. Its flat cash back rate, elevated rewards on select categories, and no annual fee make it a valuable option for everyday spending.

A No-Annual-Fee Card for Earning American Airlines Miles

The Citi® / AAdvantage® MileUp℠ Card is an entry-level airline credit card that offers a simple way to earn American Airlines AAdvantage® miles without an annual fee. Its bonus miles on American Airlines purchases and at grocery stores make it a worthwhile option for those seeking a no-cost way to accumulate miles for future travel. Our Verdict:

• No Annual Fee: Enjoy earning AAdvantage® miles without any ongoing annual costs, making it a budget-friendly option for accumulating miles.
• Bonus Miles on American Airlines Purchases: Earn 2X AAdvantage® miles on eligible American Airlines purchases, including flights, upgrades, and in-flight purchases, accelerating your mileage accrual.
• Bonus Miles on Grocery Store Purchases: Earn 2X AAdvantage® miles at grocery stores, making it a rewarding card for everyday grocery shopping.
• Welcome Bonus: Earn 20,000 American Airlines AAdvantage® bonus miles after spending $1,000 in purchases within the first 3 months of account opening, providing a solid starting point for your AAdvantage® mileage balance.

However, some considerations include:

• Limited Travel Perks: The card does not offer travel perks like a free checked bag or priority boarding, which are common on higher-tier airline cards.
• Foreign Transaction Fee: The 3% foreign transaction fee makes this card less suitable for international spending.
• American Airlines-Centric Rewards: The card’s rewards are primarily geared towards American Airlines. If you fly other airlines frequently, other cards may offer more flexible travel rewards.

Overall, the Citi® / AAdvantage® MileUp℠ Card is a solid choice for those who want a no-annual-fee card for earning American Airlines miles. Its bonus miles on AA purchases and at grocery stores, along with its welcome bonus, make it a valuable option for accumulating miles without ongoing costs.

A Great Option for Frequent American Airlines Flyers

The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is a co-branded airline credit card that offers a compelling set of benefits for those who frequently fly with American Airlines. Its combination of bonus miles, travel perks, and a waived annual fee for the first year makes it an attractive option for loyal American Airlines passengers. Our Verdict:

• Generous Welcome Bonus: Earn 75,000 American Airlines AAdvantage® bonus miles after spending $3,500 in purchases within the first 3 months of account opening. This bonus can be redeemed for award flights, upgrades, and other travel rewards.
• Bonus Miles on American Airlines Purchases: Earn 2X AAdvantage® miles on eligible American Airlines purchases, including flights, upgrades, and in-flight purchases, accelerating your mileage accrual.
• Bonus Miles on Everyday Spending: Earn 2X AAdvantage® miles at restaurants and gas stations, making it a rewarding card for both travel and everyday expenses.
• Free Checked Bag: Enjoy a free checked bag for yourself and up to four companions on the same reservation when traveling on domestic American Airlines itineraries, potentially saving you hundreds of dollars in baggage fees annually.
• Preferred Boarding: Board the plane earlier with Group 5 priority boarding, allowing you to secure overhead bin space and settle in comfortably.
• $125 American Airlines Flight Discount: Earn a $125 American Airlines Flight Discount after spending $20,000 or more in purchases during your card membership year, providing a valuable travel credit.

However, some considerations include:

• Annual Fee After First Year: While the annual fee is waived for the first year, it becomes $99 from the second year onwards. Ensure the card’s benefits and rewards align with your spending habits to justify the cost.
• Limited Lounge Access: The card does not offer complimentary airport lounge access, which may be a drawback for travelers seeking airport comfort and amenities.
• American Airlines-Centric Rewards: The card’s rewards are primarily geared towards American Airlines. If you fly other airlines frequently, other cards may offer more flexible travel rewards.

Overall, the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is a valuable option for frequent American Airlines flyers. Its bonus miles, travel perks, and waived first-year annual fee make it a rewarding companion for your American Airlines travels.

A Simple Travel Rewards Card with a Solid Bonus

The Bank of America® Travel Rewards Credit Card is a straightforward travel rewards card that offers a flat 1.5 points per dollar spent on all purchases, making it an appealing option for those seeking a simple way to earn rewards for travel without the complexities of rotating categories or airline restrictions. Its 0% intro APR period and sign-up bonus add to its value proposition. Our Verdict:

• Uncomplicated Points Earning: Earn an unlimited 1.5 points per dollar on every purchase, simplifying the rewards process and allowing you to earn consistently.
• Solid Welcome Bonus: Earn 25,000 bonus points after you make at least $1,000 in purchases within 90 days of account opening. This bonus is worth $250 in travel statement credits.
• 0% Intro APR: Enjoy 0% intro APR on purchases for 15 billing cycles and on balance transfers for 15 billing cycles (for balance transfers made within 60 days of account opening), providing an opportunity for interest-free financing or debt consolidation.
• No Annual Fee: The absence of an annual fee makes this card an attractive option for those seeking a cost-effective way to earn travel rewards.
• Flexible Travel Redemption: Redeem your points for travel statement credits to offset travel purchases made in the past 12 months, offering versatility in utilizing your rewards.

However, some considerations include:

• No Foreign Transaction Fee: The card does not charge a foreign transaction fee, making it a suitable option for international spending.
• Limited Additional Perks: The card lacks some of the premium travel perks, such as airport lounge access or travel insurance, found on other travel cards.

Overall, the Bank of America® Travel Rewards Credit Card is an excellent choice for those who want a user-friendly travel rewards card with a consistent earning rate and flexible redemption options. Its flat points earning, welcome bonus, 0% intro APR, and no annual fee make it a valuable option for accumulating travel rewards.

A Simple and Rewarding Cash Back Option

The Capital One Quicksilver Cash Rewards Credit Card is a straightforward cash back credit card that offers a flat 1.5% cash back on all purchases, making it a great option for those who want a simple and rewarding card without the complexities of rotating categories or spending caps. It also features a 0% intro APR period and a generous sign-up bonus. Our Verdict:

• Uncomplicated 1.5% Cash Back: Earn a flat 1.5% cash back on every purchase, eliminating the need to track bonus categories or worry about spending limits.
• Generous Welcome Bonus: The $200 cash bonus after spending $500 in purchases within the first 3 months provides a substantial upfront reward.
• 0% Intro APR: Enjoy 0% intro APR on purchases and balance transfers for the first 15 months, allowing for interest-free financing or debt consolidation.
• No Annual Fee: The absence of an annual fee makes this card an attractive option for those seeking a cost-effective way to earn cash back.

However, some considerations include:

• Foreign Transaction Fee: The card charges a foreign transaction fee, making it less suitable for international spending.
• Limited Additional Perks: While the card offers some travel benefits through Capital One Travel, it lacks some of the purchase protections and insurance benefits found on other cash back cards.

Overall, the Capital One Quicksilver Cash Rewards Credit Card is a strong choice for those who value simplicity and a consistent cash back rate. Its flat 1.5% cash back on all purchases, welcome bonus, 0% intro APR, and no annual fee make it a valuable option for everyday spending.

A Solid Choice for Delta Flyers

The Delta SkyMiles® Gold American Express Card is a rewarding travel card that caters to frequent Delta Air Lines passengers. Its valuable benefits, including a free checked bag, priority boarding, and a potential flight credit, make it an attractive option for those who fly Delta regularly. Our Verdict:

• Free Checked Bag: Enjoy a free first checked bag for yourself and up to eight companions on the same reservation, potentially saving you hundreds of dollars in baggage fees annually.
• Priority Boarding: Board the plane earlier with Main Cabin 1 priority boarding, allowing you to secure overhead bin space and settle in before the crowds.
• $200 Delta Flight Credit: Earn a $200 Delta flight credit after spending $10,000 in eligible purchases on the card in a calendar year, effectively offsetting a significant portion of the annual fee.
• Bonus Miles on Delta Purchases: Earn 2X miles on Delta purchases, including flights, upgrades, seat selection, and in-flight purchases, accelerating your mileage accrual.
• Bonus Miles on Everyday Spending: Earn 2X miles at U.S. supermarkets and restaurants worldwide, making it a rewarding card for both travel and everyday expenses.

However, some considerations include:

• Annual Fee After First Year: While the first year is fee-free, the $150 annual fee kicks in from the second year onwards. Ensure the card’s benefits and rewards align with your spending habits to justify the cost.
• Limited Lounge Access: The card does not offer complimentary airport lounge access, which may be a drawback for travelers seeking airport comfort and amenities.
• Delta-Centric Rewards: The card’s rewards are primarily geared towards Delta Air Lines. If you fly other airlines frequently, other cards may offer more flexible travel rewards.

Overall, The Delta SkyMiles® Gold American Express Card is a valuable option for loyal Delta flyers. Its free checked bag, priority boarding, potential flight credit, and bonus miles make it a rewarding companion for your Delta travels.

A Personalized Cash Back Card for Your Top Spending Category

The Citi Custom Cash® Card is a unique cash back credit card that automatically rewards your highest spending category each billing cycle with an impressive 5% cash back. This personalized approach to rewards makes it a standout option for those who want a simple yet effective way to maximize their cash back earnings. Our Verdict:

• Adaptive 5% Cash Back: The card’s standout feature is its automatic 5% cash back on your top eligible spending category each billing cycle (up to the first $500 spent, then 1% back), allowing you to earn top rewards without the hassle of manually activating categories.
• Wide Range of Eligible Categories: The card covers a diverse range of spending categories, including restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment, ensuring you’re likely to earn bonus cash back on your regular purchases.
• No Annual Fee: The absence of an annual fee makes this card an attractive option for budget-conscious consumers who want to earn cash back without any upfront costs.
• 0% Intro APR: Enjoy 0% intro APR on purchases and balance transfers for the first 15 months, providing an opportunity for interest-free financing or debt consolidation.

However, some considerations include:

• $500 Spending Cap for 5% Back: The 5% cash back rate applies only to the first $500 spent in your top category each billing cycle. While you’ll still earn 1% back on spending beyond that, it’s worth noting this limitation.
• Foreign Transaction Fee: The 3% foreign transaction fee makes this card less suitable for international spending.

Overall, the Citi Custom Cash® Card is an excellent choice for those who want a simple and personalized cash back card that adapts to their spending habits. Its automatic 5% cash back on your top spending category, diverse eligible categories, and no annual fee make it a valuable addition to your wallet.

A Straightforward Cash Back Card for Everyday Purchases

The Wells Fargo Active Cash® Card is a no-annual-fee cash back credit card that offers a simple and straightforward rewards program. It’s a great option for those seeking a hassle-free card with a flat cash back rate on all purchases. Our Verdict:

• Unlimited 2% Cash Back: Earn an unlimited 2% cash back on all purchases, making it easy to accumulate rewards without worrying about bonus categories or spending caps.
• $200 Cash Rewards Bonus: Receive a $200 cash rewards bonus after spending $1,000 in purchases within the first 3 months, providing a generous incentive for new cardholders.
• 0% Intro APR: Enjoy 0% intro APR on purchases and balance transfers for the first 12 months, allowing you to finance large purchases or consolidate debt interest-free.
• No Annual Fee: The absence of an annual fee makes this card a cost-effective option for earning cash back rewards.

However, some considerations include:

• Foreign Transaction Fee: The 3% foreign transaction fee makes this card less suitable for international spending.
• Limited Additional Perks: The card lacks the extensive travel and purchase protections often found with premium travel rewards cards.

Overall, the Wells Fargo Active Cash® Card is a solid choice for those seeking a simple and rewarding cash back card with no annual fee. Its flat 2% cash back rate on all purchases and $200 welcome bonus make it an attractive option for everyday spending.

A Cash Back Powerhouse for Everyday Spending

The Blue Cash Preferred® Card from American Express is a cash back rewards card that excels in rewarding everyday spending categories, particularly groceries, streaming services, and transit. Its generous cash back rates and welcome bonus make it an attractive option for budget-conscious consumers. Our Verdict:

• Exceptional Cash Back on Essentials: The card shines with its 6% cash back on the first $6,000 spent annually at U.S. supermarkets and on select U.S. streaming subscriptions, making it ideal for those who prioritize these spending categories.
• Solid Rewards on Transit and Gas: Earn 3% cash back on U.S. gas station purchases and transit expenses, including rideshares, taxis, tolls, and public transportation, providing ongoing value for commuters and frequent drivers.
• Attractive Welcome Bonus: The $250 statement credit after spending $3,000 in eligible purchases within the first 6 months is a generous incentive for new cardholders.
• 0% Intro APR: Enjoy 0% intro APR on purchases and balance transfers for the first 12 months, allowing you to finance large purchases or consolidate debt interest-free.

However, some considerations include:

• Annual Fee After First Year: While the first year is fee-free, the $95 annual fee kicks in from the second year onwards. Ensure the card’s ongoing rewards outweigh this cost.
• Foreign Transaction Fee: The 2.7% foreign transaction fee makes this card less suitable for international spending.
• Cash Back Cap on Supermarkets: The 6% cash back at supermarkets is capped at $6,000 in spending annually, reverting to 1% thereafter.

Overall, the Blue Cash Preferred® Card from American Express is a top choice for consumers who spend heavily on groceries, streaming services, and transit. If you can maximize its bonus categories and offset the annual fee with its rewards, it can be a rewarding addition to your wallet.

A Cash Back Champion for Business Essentials

The Ink Business Cash® Credit Card is a no-annual-fee business credit card that stands out for its straightforward cash back rewards program, focusing on categories essential for many businesses. Its high rewards rates, combined with a 0% intro APR period, make it a compelling choice for business owners seeking to maximize their cash flow. Our Verdict:

• Exceptional Cash Back on Key Business Expenses: The card shines with its 5% cash back on the first $25,000 spent annually at office supply stores and on internet, cable, and phone services, making it ideal for businesses with recurring expenses in these categories.
• High Rewards on Gas and Restaurants: Earn 2% cash back on the first $25,000 spent annually at gas stations and restaurants, providing ongoing value for businesses with transportation and dining costs.
• 0% Intro APR: Enjoy a 0% intro APR on purchases for the first 12 months, allowing you to finance business purchases or manage cash flow interest-free.
• No Annual Fee: The absence of an annual fee makes this card a cost-effective option for businesses of all sizes.

However, some considerations include:

• Cash Back Cap: The 5% and 2% cash back categories are capped at $25,000 in annual spending, reverting to 1% thereafter.
• Foreign Transaction Fee: The 3% foreign transaction fee makes this card less suitable for businesses with international expenses.

Overall, the Ink Business Cash® Credit Card is a top contender for businesses seeking a no-annual-fee card with high cash back rewards on essential business categories. If you can maximize its bonus categories and utilize the 0% intro APR period effectively, it can be a valuable tool for your business finances.

A Top Choice for Business Rewards and Travel

The Ink Business Preferred® Credit Card is a premium business rewards card offering a compelling combination of high earning rates, flexible redemption options, and valuable travel perks. Its generous welcome bonus and diverse bonus categories make it an excellent choice for businesses seeking to maximize their rewards. Our Verdict:

• Lucrative Welcome Bonus: Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That’s $1,250 toward travel when you redeem through Chase Ultimate Rewards®.
• High Earning Rates on Business Essentials: Enjoy 3X points on the first $150,000 spent in combined purchases each account anniversary year on travel, shipping purchases, internet, cable and phone services, and advertising purchases with social media sites and search engines, making it ideal for businesses with significant expenses in these categories.
• Flexible Ultimate Rewards Points: Redeem your points for travel, cash back, gift cards, merchandise, and more, providing versatility in how you utilize your rewards.
• Transferable Points: Transfer points to a wide range of airline and hotel partners at a 1:1 ratio, allowing you to leverage partner loyalty programs for maximum value.
• Travel Protections: Benefit from trip cancellation/interruption insurance, primary car rental insurance, cell phone protection, and more, offering peace of mind for your business travels.

However, consider these factors:

• Annual Fee: The $95 annual fee requires careful consideration. However, the card’s generous welcome bonus and high earning rates can easily offset this cost for businesses with substantial spending.
• Spending Cap on Bonus Categories: The 3X points earning rate is capped at $150,000 in combined purchases per account anniversary year in the specified bonus categories, reverting to 1X point thereafter.

Overall, the Ink Business Preferred® Credit Card is an exceptional choice for businesses seeking a high-reward business card with flexible redemption options and valuable travel perks. Its generous welcome bonus, diverse bonus categories, and transferable points make it a top contender for maximizing business rewards.

A Top Choice for Business Rewards and Travel

The Ink Business Preferred® Credit Card from Chase is a premium business credit card that offers a compelling combination of high rewards, valuable travel benefits, and flexible redemption options. Its generous welcome bonus and bonus categories make it an attractive option for businesses that prioritize maximizing their rewards. Our Verdict:

• Lucrative Welcome Bonus: Earn 120,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening, providing a substantial foundation for travel, cash back, or other rewards.
• High Rewards on Business Expenses: Earn 3X points on the first $150,000 spent in combined purchases each account anniversary year on shipping, social media and search engine advertising, travel, internet, cable, and phone services.
• Valuable Travel Benefits: Enjoy benefits like primary car rental insurance, trip cancellation/interruption insurance, trip delay reimbursement, baggage delay insurance, and travel accident insurance, offering peace of mind for business travel.
• Flexible Redemption Options: Redeem your points for travel through Chase Ultimate Rewards®, cash back, gift cards, merchandise, and more, providing flexibility in utilizing your rewards.

However, some considerations include:

• Annual Fee: The $95 annual fee requires careful evaluation of your spending patterns to ensure the card’s rewards and benefits outweigh the cost.
• Spending Cap on Bonus Categories: The 3X points earning rate is capped at $150,000 in combined purchases in the bonus categories each account anniversary year.
• No Complimentary Lounge Access: Unlike some other premium business cards, the Ink Business Preferred does not offer complimentary airport lounge access.

Overall, the Ink Business Preferred® Credit Card from Chase is an excellent choice for businesses that spend significantly on travel, shipping, advertising, and telecommunications services. Its high rewards, valuable travel benefits, and flexible redemption options make it a rewarding option for businesses looking to maximize their points earnings.