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The fastest approach to racking up points and miles is to sign up for a credit card with a bountiful welcome offer and meet the minimum spend requirement.
Card issuers will lure you in with these shiny, new sign-up bonus offers and if you’re responsible with paying off your credit card statement in full each month, you’ll be awarded a large stash of valuable points and miles and strong ongoing rewards that can be redeemed for free flights, hotel stays and more.
Some of the best travel rewards cards offer bonuses of at least 75,000 points or miles, sometimes worth hundreds — or thousands — of dollars in travel rewards.
Featured Bonus Offers
| Card | Offer | Annual Fee | Annual Fee | Learn More |
|---|---|---|---|---|
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90,000Chase Ultimate Rewards Points
Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. Dollar Equivalent: $2,070 (90,000 Chase Ultimate Rewards Points * 0.023 base) |
$95
This fee includes extra cards for authorized users, such as employees, at no additional charge. |
$95
This fee includes extra cards for authorized users, such as employees, at no additional charge. |
Apply Now |
|
|
$750Cash Bonus
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening |
$0 | $0 | Apply Now |
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80,000IHG One Rewards Points
Earn 80,000 Bonus Points after spending $2,000 on purchases within the first 3 months of account opening. Dollar Equivalent: $480 (80,000 IHG One Rewards Points * 0.006 base) |
$0 | $0 | Apply Now |
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|
90,000United MileagePlus Miles
Limited-time Offer: Earn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening. Dollar Equivalent: $1,260 (90,000 United MileagePlus Miles * 0.014 base) |
$525 | $525 | Apply Now |
Let’s dive into the details of each of these cards and see which one may be right for you.
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Capital One Venture Rewards Credit Card
- Our Rating 4.5/5 How our ratings work
- APR19.99% - 29.49% (Variable)
- Annual Fee$95
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Sign Up Bonus
75,000Capital One Rewards Miles
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel Dollar Equivalent: $1,350 (75,000 Capital One Rewards Miles * 0.018 base)
The Capital One Venture Rewards Credit Card offers a lot of value to both beginner and expert travelers. The upfront bonus and high ongoing rewards rate aren’t easy to beat, making the card a solid option for a large audience. Where it really shines is with the flexibility of the redemption process, though. You can redeem miles to cover past travel expenses, book travel through Capital One or transfer miles to any of Capital One’s airline and hotel loyalty programs.
Overview
The Capital One Venture Rewards Credit Card offers a lot of value to beginner and expert travelers alike. The card’s big upfront bonus and high ongoing rewards rate aren’t easy to beat, making it a solid option for a large audience. Where it really shines, though, is with the redemption process. When it comes to travel credit cards, it can be really challenging to find a way to use your rewards in the way you want.
With hotel and airline credit cards, for instance, you’re basically stuck redeeming your points or miles with the co-branded hotel or airline partner. And with some general rewards programs, you might get less value if you use your points or miles to book a flight versus a rental car or hotel.
With the Capital One Venture Rewards Credit Card, though, you’ll get a lot of flexibility. Here are some of the top redemption options that are available: redeem miles to cover past travel expenses, book travel through Capital One or transfer miles to any of Capital One’s multiple airline and hotel loyalty programs.
Perks
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- No foreign transaction fees
- Access to premier culinary events, must-see music events and major sporting events
Pros
- Simple rewards and earning structure
- Ability to earn transferable points to use with travel partners
- Relatively modest $95 annual fee
- Includes credit for Global Entry or TSA PreCheck®
Cons
- Other travel cards offer higher rewards rates on certain spending categories
The Capital One Venture Rewards Credit Card offers a lot of value to beginner and expert travelers alike. This travel rewards credit card’s big upfront sign-up bonus and high ongoing rewards rate aren’t easy to beat, making it a solid option for a large audience.
You’ll also get a lot of flexibility when it comes time to redeem your travel rewards including access to booking travel through Capital One and a long list of transfer partners (both hotels and airlines). Similarly, with no foreign transaction fees (Rates & Fees), the Capital One Venture Rewards Credit Card is ideal for people who regularly make international purchases.
Read our full review of the Capital One Venture Rewards Credit Card.
Ink Business Preferred® Credit Card
- Our Rating 4.5/5 How our ratings work
- APR20.49% - 26.49% (Variable)
- Annual Fee$95
This fee includes extra cards for authorized users, such as employees, at no additional charge.
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Sign Up Bonus
90,000Chase Ultimate Rewards Points
Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. Dollar Equivalent: $2,070 (90,000 Chase Ultimate Rewards Points * 0.023 base)
Those with travel and advertising expenses will like the high earning rates in these categories, plus cardholders can eke out even more value with fully transferable rewards through the Chase Travel℠ portal. One drawback is the modest annual fee, though many can offset this with the card’s earning potential.
Overview
This card offers a whopping 90,000 bonus points after you spend $8,000 in the first three months — with the card’s 25% bonus on travel booked through Chase, that’s worth $1,125. But you could potentially get more through one of the bank’s transfer partners. The rewards you earn from the Ink Business Preferred Card can be transferred to 10 different airline partners including United, Southwest, Virgin Atlantic, Singapore and British Airways, as well as hotel partners Hyatt, Hilton and Marriott.
Unlike the other two Ink Business cards, you can use this card to transfer your rewards directly to airline miles and hotel points. Travelers may also like this card’s cellphone protection policy that will cover up to $600 per claim.
Pros
- 3x points on 5 different categories (up to $150,000)
- Robust travel, purchase and cellphone protections
- Ability to earn transferable points to use on travel partners
- No additional charge for extra cards for additional authorized users
Cons
- $95 annual fee
- Businesses that don't spend on the category bonuses won't benefit
If you’re a sole proprietor or small business owner who travels a lot for work or pleasure, the Ink Business Preferred® Credit Card is an ideal choice. That's because points earned with this business credit card can be redeemed for free and discounted travel in the Chase TravelSM portal. And the Ink Business Preferred makes earning points easy with bonus categories that are important to small business like travel, shipping purchases, internet, cable and phone services, and on advertising purchases made with social media sites and search engines.
In addition to all of that value, the Ink Business Preferred Card offers new cardholders a sign-up bonus of 90,000 points after spending $8,000 with the business card in the first three months of account opening. Those 90,000 points are worth $1,125 in free travel when redeemed through Chase Travel, where points are worth 25% more. Read our full review of the Ink Business Preferred.
Ink Business Cash® Credit Card
- Our Rating 4.5/5 How our ratings work
- APR17.74% - 25.74% (Variable)
- Annual Fee$0
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Sign-Up Bonus
$750Cash Bonus
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
Business owners looking to earn a high rate of cash back on common business expenses like office supplies and internet could get a lot of value from this card. The trade-off for the high cash-back rate, though, is a lower spend cap than you’ll find with other Ink Business cards.
Overview
The Ink Business Cash® is legendary for its offer of 5% cash back for purchases at office supply stores and on many telecommunications services, with no annual fee. And while 5% cash back sounds great, these rewards can be much more valuable when paired with another Chase credit card that allows transfers to airline miles or hotel points. In addition to earning excellent cash-back rewards, it also includes competitive introductory offers and provides cards for employees at no additional charge.
Pros
- No annual fee
- 5x back on a broad array of business spending categories
- Robust travel and purchase protections
- Don't need a full-fledged business to apply
Cons
- Businesses that don't spend on the category bonuses won't benefit
The Ink Business Cash® Card is a valuable business cash-back card for entrepreneurs of all types. Earn an impressive rewards rate of 5% cash back on select business purchases. These include the first $25,000 you spend each account anniversary year at office supply stores and on phone, cable and internet services. Ink Business Cash also offers 2% cash back on up to $25,000 in combined purchases at restaurants and gas stations. You’ll earn 1% cash back on virtually all other purchases.
As a new cardholder, you can get up to $750 in bonus cash back: Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening. Read our full review of the Ink Business Cash.
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Ink Business Unlimited® Credit Card
- Our Rating 4.5/5 How our ratings work
- APR17.74% - 23.74% (Variable)
- Annual Fee$0
-
Sign-Up Bonus
$750Cash Bonus
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
If you’re looking for a solid business credit card with unlimited earning potential, this could be it. With a 1.5% cash-back rate, it earns less than the other Ink Business cards, but you can put earning on autopilot with no spending limits or categories to juggle.
Overview
The Chase Ink Business Unlimited® credit card is one of the best business credit cards on the market, and if you use it right by pairing it with a Chase card with an annual fee, you can unlock access to valuable transferable Ultimate Rewards points that you can move to travel partners.
Pros
- No annual fee
- Easy earning structure of 1.5X back on everything with no limits
- Robust travel and purchase protections
Cons
- Businesses that spend more on bonus categories won't earn more in rewards
- 1.5X isn't the highest earning rate
The Ink Business Unlimited® credit card is one of the best business rewards credit cards on the market, primarily because of its large upfront bonus. As a new cardholder, you’ll earn $750 in bonus cash after you spend $6,000 on new purchases within three months of account opening.
Ink Unlimited offers a simple flat-rate 1.5% cash back per dollar spent on all purchases. And, if you need employee cards, you can get them at no additional charge. Read our full review of the Ink Unlimited card.
IHG One Rewards Premier Credit Card
- Our Rating 4.5/5 How our ratings work
- APR20.74% - 27.74% (Variable)
- Annual Fee$99
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Sign Up Bonus
140,000IHG One Rewards Points
Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening Dollar Equivalent: $840 (140,000 IHG One Rewards Points * 0.006 base)
Aside from its astounding sign-up bonus, this card offers tons of value, especially for loyal IHG customers, like a free Reward Night on your account anniversary and Platinum Elite status as long as you remain a Premier card member. Plus, it offers a Global Entry, NEXUS or TSA Pre✓® fee credit every four years, and IHG One Rewards Bonus points are redeemable at a variety of hotels.
Overview
Frequent customers of IHG hotels and other people who enjoy earning rewards nights for hotel stays and premium hotel status should consider picking up this card.
Pros
- Generous rewards rate on IHG Hotels and Resorts purchases
- Automatic IHG One Rewards Platinum Elite status which gets you perks like upgrades
- Free reward night every account anniversary, with the potential to be worth hundreds of dollars
Cons
- Has an annual fee
- Only makes sense if you plan to stay at IHG properties
The IHG One Rewards Premier Credit Card is a solid card, especially if you're already a loyal IHG customer. The perks accompanying this co-branded Chase credit card are worth way more than the $99 annual fee. The IHG One Rewards Premier Card comes with Platinum Elite Status, a free anniversary night every year and a free reward night for a consecutive four-night IHG hotel stay. It’s great for international travel because there are no foreign transaction fees.
This hotel credit card comes with an attractive offer — new cardholders can earn 140,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.
A sign-up bonus like this can go a long way towards free reward nights at participating IHG hotels around the world, including InterContinental, Crowne Plaza, Kimpton, EVEN Hotels, Indigo Hotels and Holiday Inn. Read our full review of the IHG One Rewards Premier Card.
IHG One Rewards Traveler Credit Card
- Our Rating 4/5 How our ratings work
- APR20.74% - 27.74% (Variable)
- Annual Fee$0
-
Sign-Up Bonus
80,000IHG One Rewards Points
Earn 80,000 Bonus Points after spending $2,000 on purchases within the first 3 months of account opening. Dollar Equivalent: $480 (80,000 IHG One Rewards Points * 0.006 base)
Whether your family is looking for some free hotel nights for a road trip or you’re a loyal customer of the IHG hotel brand, this card offers you a chance to earn decent rewards. Aside from its generous sign-up bonus, it offers tons of value, including the option to redeem points at all IHG properties.
Overview
Whether you’re a family looking for some free hotel nights while making your annual road trip or you’re a loyal customer of the IHG hotel brand, the IHG One Rewards Traveler Credit Card — which has no annual fee, by the way — offers you a chance to earn some decent rewards.
Perks
- No annual fee
- No foreign transaction fees
- Silver Elite Status included with the card
Pros
- One of the top picks for a no-annual-fee hotel credit card
- Book three nights with points, get your fourth free
- Entry-level Silver Elite status, with the chance to upgrade to Gold with $20,000 or more in annual spend
Cons
- No free night account anniversary reward
Even if you infrequently stay at one of the many well-known hotel brands owned by IHG, the IHG One Rewards Traveler Credit Card has a few interesting features that may help enhance your stay when you do stay at an IHG hotel.
To begin with, the card has improved bonus categories that help you rack up more IHG points for future free hotel stays. The following benefits are earned with the card:
- 5x IHG points for spending at IHG hotels
- 3x IHG points for purchases made at restaurants, gas stations, utilities, cable networks, mobile phones, and some streaming services
- 2x IHG points for spending on any other purchases.
This card’s rewards program is far more attractive than it used to be, especially considering that there is no annual fee to worry about.
The IHG One Traveler Card also shows off an elevated sign-up bonus in exchange for a reasonable minimum spend requirement. New cardholders would need to spend $2,000 within the first three months of account opening, to earn 80,000 IHG points. Those points can then be redeemed for free night stays at over 6,000 properties, in more than 100 countries around the globe.
Benefits like a fourth night free (same as the superior IHG One Rewards Premier Credit Card) and IHG Silver status are quite useful if you’re looking to avoid paying an annual fee. However, if you’re considering an IHG co-branded card, you may want to consider the higher-up IHG One Rewards Premier Credit Card, with improved benefits and a higher bonus. Read our full review of the IHG One Rewards Traveler Card.
United Club℠ Infinite Card
- Our Rating 4.0/5 How our ratings work
- APR21.24% - 28.24% (Variable)
- Annual Fee$525
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Sign Up Bonus
90,000United MileagePlus Miles
Limited-time Offer: Earn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening. Dollar Equivalent: $1,260 (90,000 United MileagePlus Miles * 0.014 base)
United’s premier card comes with a sizable annual fee, but if you’re a serious United flyer, want lounge access and can use other perks like free checked bags or the TSA PreCheck credit, you could eke a lot of value out of this card. Those who can’t use enough of the perks to offset the high annual fee may be better off with a different card.
Overview
If you love United Airlines, can fly with the airline often and enjoy benefits like airport lounge access free checked bags and quick trips through airport security on busy travel days, then the United Club Infinite Card is made for you. It’s loaded with travel perks such as statement credits and valuable insurance benefits.
Pros
- You and your eligible travel companions can enjoy complimentary access to United Club locations
- Up to $120 statement credit for your Global Entry, TSA PreCheck or NEXUS application
- Check up to two bags for free
Cons
- $525 annual fee will only be worth it for United loyalists
The United Club℠ Infinite Card is the airline’s premium rewards card. Although it carries a $525 annual fee, the United Club Infinite offers a host of luxury perks including complimentary access to the airline's United Club lounges for you and a companion, two free checked bags for you and a companion, priority boarding, and a $120 statement credit for your application to TSA PreCheck or Global Entry every four years.
New cardholders can earn a valuable sign-up bonus of 90,000 MileagePlus Miles after spending $5,000 in the first three months of account opening. Read our full review of the United Club Infinite Card.
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Juan Ruiz
Juan has been writing and editing stories involving credit cards, loyalty programs, travel, and personal finance topics for more than 10 years. In addition to working and contributing to a number of outlets including The Points Guy, Forbes, and Business Insider, Juan was recently the editor-in-chief at Money Under 30, where he led a team of personal finance journalists. He is also an adjunct professor at Florida International University and a licensed real estate professional.
