Updated March 2019. That space in your wallet or purse is more valuable than you think. Credit card companies are fighting it out, offering strong perks and $500+ value for a single card during the first year to encourage you to apply and try it out. These are the top 10 credit card offers that I would apply for right now, if I didn’t already most of them. Recent changes:
If you pay off your balances every month, then you can join me and many others in funding a huge chunk of your annual travel budget with cash credits, points, and miles. You don’t need to be a “I only fly business class” world traveler. I mostly use my rewards points on domestic economy flights, mid-class hotels, and cheap car rentals. If you have credit card debt, you should focus on paying that off first as the interest charges could offset most of the perks.
Note: Certain Chase cards have a “5/24 rule” which is an unofficial rule that they will automatically deny approval on new credit cards if you have 5 or more new credit cards from any issuer on your credit report within the past 2 years. This rule applies on a per-person basis, so if you are new, you might want to start with those Chase cards.
Up to 120,000 IHG Rewards club points: 80,000 points after $2,000 in purchases within the first 3 months, plus an additional 40,000 points after $5,000 in total purchases within 6 months of account opening. See link for details.
Free Night after each account anniversary year (valued up to 40,000 IHG points).
60,000 Delta Skymiles after $2,000 in purchases within the first 3 months + $50 statement credit after a Delta purchase within your first 3 months. Limited-time offer expires 4/3/19. See link for details.
60,000 Skymiles are worth at least $600 in Delta airfare with “Pay with Miles” option.
First checked bag free on Delta flights ($60 value per roundtrip, per person).
40,000 Membership Rewards points (flexible, worth 50,000 miles at various airlines) after $2,000 in purchases in the first 3 months. See link for details.
$120 in Grubhub and Seamless credit. $10 in statement credits each month when you pay with this card at participating partners – Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House and participating Shake Shack locations.
$100 airline fee credit. Select one qualifying airline and then receive up to $100 per calendar year in statement credits towards checked baggage fees and inflight meals.
Up to 50,000 Hyatt points. 25,000 Bonus Points after $3,000 in purchases in the first 3 months. Plus an additional 25,000 Bonus Points after a total of $6,000 in purchases within the first 6 months. See link for details and rough valuation of points.
$95 annual fee, free night award upon card anniversary.
Subject to 5/24 rule.
“The editorial content here is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.”