If there’s one thing that everyone has in common, it’s getting those credit card flyers and envelopes in the mail. Seriously though, it seems like every day I come home to a handful of companies wanting to offer me their credit card which is “better than all the others.” Now, that obviously can’t be possible, so I decided to do some research and figure out which credit cards really have the best benefits and rewards. So, without any further ado, here’s my list of the best credit card reward offers and what you can get from them!
- The Capital One Venture Rewards Credit Card. The great thing about this card is that you get 40,000 miles (equal to $400 in travel) after you spend $3,000 in purchases within the first three months. Now, if you have a family this is pretty easy to reach. So you are essentially getting $400 for free for signing up for this card. Not too bad. Not only that, but you get 2x the miles on every purchase, and the miles don’t have a limit or an expiration date. That means you don’t have to stress about planning a vacation within your allotted amount of time. You can also use this card at any hotel and on any airline, which is definitely stress-free. Lastly, there is no foreign transaction fee when using this card out of the country. With an intro fee of $10 and %59 annually after that, this card is a great deal for those of you whole love to travel!
- Chase Sapphire Preferred. Right away with this card, you can get 5,000 bonus points when you add another user and make a purchase on their card within the first three months. For those of you who are married, this is pretty much free money. Not only that, but you get 50,000 bonus pints when you spend $4,000 in the first three months, or about $625 through Chase travel points. Come one, that’s just awesome! For travelling purchases or restaurant charges, you get double the points back and then 1 point per dollar spent on all other purchases. Like the Venture Card, this also has no foreign transaction fee, so you don’t have to worry about spending more money when you’re outside the country. This card also comes equipped with a chip for extra security, a definitely plus. It costs $0 to enroll with this card and then $95 every year after that.
- BankAmericard Travel Rewards Credit Card. Unlike the other credit cards mentioned so far, this one has no annual fee, which is pretty good for a card with so many rewards. You get 1.5 points for each dollar that you spend, plus there’s no foreign transaction fee either. Even better, is that points don’t expire, so you don’t have to rush to use them. If you spend $1,000 in the first 90 days, then you get 20,000 bonus points. That’s valued at $200 that you pretty much get for free! This card also comes with a chip so the security is better than your average card. Also, you can bump up the percentage of points you get back depending on other accounts you have with them and your status. This is definitely a card worth looking into!
- Alaska Airlines Visa Signature Credit Card. If you’re someone who loves getting miles and travel points from your credit card, then this is one you’ll for sure want to check out. It recently added a new feature that allows you and up to six additional passengers get free checked bags; however, there are a few conditions with this, so pay close attention to them. Also, the moment you get approved for this card, you get 25,000 bonus miles! You don’t have to do anything and you already get rewards! This card gives you one mile per dollar you spend on everyday purchases and 3 miles for every $1 spent on Alaska Airline purchases. These miles can be redeemed through Alaska Airlines or more than a dozen other airline partners.
- Barclaycard Arrival Plus World Elite MasterCard. Yeah, that’s a mouthful, I know, but it’s a good card. Like the others, when you spend an initial $3,000 in the first 90 days, you get 40,000 bonus miles. For every purchase you make with this card, you get 2x miles, and every time you redeem you get 5% miles back for your next redemption. Pretty much, if you’re good at math and understanding the rewards system, this is a great card. It has a high rewards rate, especially when you know how to work the system. It also has chip-enabled security and no foreign transaction fee, so you know it’s safe to use out of the country. However, there is a $45 annual fee, but that’s not asking too much, I don’t think.
- Gold Delta Sky Miles Credit Card (from American Express). Within the first three months of using this card, you can earn quite a few rewards. Spend $1,000 and you get 30,000 bonus miles on this card. Also, you get a $50 statement credit if you make a Delta purchase on this card in the first 3 months. Not too bad if you’re already planning to take a trip soon, anyway. Everyday purchases earn you 1 mile per dollar, and purchases through Delta earn you 2 miles per dollar. Another great feature of this card is that you get to check your first bag for free on every Delta flight—that could be up to $200 on a roundtrip for a family of four. Now that’s a good deal. You also get Priority Boarding with this card, so you don’t have to wait in all the lines. The first year is free, but after that this card costs $95 a year. However, you easily make that back if you use this card smartly.
Hopefully this list gave you a quick and helpful glimpse at all the great credit card reward programs out there. While most have some similar features, there are certain aspects of each card that may really fit into your lifestyle. Whether you’re a traveler, a fine diner, or just like to spend money on everyday purchases, there’s definitely a credit card out there that’s perfect for you!