Best Spending Cards
Historical Reference Only: This post was last fully updated over 12 months ago, please use this for archival reference only. Information may be out of date.
Historical Reference Only: This post was last fully updated over 12 months ago, please use this for archival reference only. Information may be out of date.
| Card Name ↕ | Upfront Bonuses | Spending Benefits | Other Key Benefits | Annual Fee ↕ | How to Use | |
|---|---|---|---|---|---|---|
 | Chase Sapphire Reserve Credit Card | 50k points (UA, BA, SW, Hyatt, etc. or $750 Cash) after spending $4k in 3 mos. | 1 point/$3x for Travel and Dining(directly book travel at 1.5c/pt) |
| $450 | General, Travel, Dining |
 | Barclaycard Arrival Plus™ World Elite MasterCard® | 50k ($500 toward travel) after spending $3k in 90 days | 2 Points + 5% rebate / $ (in effect 2.1% toward any travel) |
| $0 1st Yr.,then $89 | General spending only |
 | The Business Gold Rewards Card | 25k points after spending $5k in 3 mos. (look for higher offers) | 1 point /$3x on ONE OF air,advertising, gas, shipping, tech (certain vendors)2x on the categories you don't pick | N/A | $0 1st Yr.,then $175 | Keep in desk for advertising, shipping & short-list of tech firms (e.g., Apple, Dell, MSFT) |
 | Starwood Preferred Guest® Credit Card from American Express | 35k after spending $5k in 3mos (until 4/5/2017) | 1 (valuable) point / $ |
| $0 1st Yr.,then $95 | General Spend |
 | Capital One Venture Rewards | 40k points after spending $3k in 3mos | 2 Points / $ (basically 2% Cash) |
| $0 1st Yr.,then $59 | General spending only |
 | Blue Cash Preferred® Credit Card | $150 after spending $1k in 3 mos. | 1% cash6% at supermarkets (up to $6k spend)3% at stand alone gas stations and some department stores |
| $75 | Supermarket spend for families, Gas |
 | Spark Cash From Capital One (Business) | $500 after spending $4,500 in 3 months | 2% cash |
| $0 1st Yr.,then $59 | General spending only |
 | Chase Ink Cash Credit Card | $300 after spending $3k in 3 mos. | 1% cash2% on gas & dine5% on Office Supply & Telecom(2/5% - max $25k); convert to UR if also have Ink+ or Sapphire |
| $0 | General, Gas & Dine only if you have a Plus or Sapphire too; Office Supply & Telecom |
| | Blue Cash Everyday® from American Express | $100 after spending $1k in 3 mos. | 1% cash3% at supermarkets (up to $6k spend)2% at stand alone gas stations and some department stores |
| $0 | |
 | Chase Freedom | $100 after spending $500 in 3mos + $25 for an additional cardholder | 1% Cash5% (up to $75) of rotating categories; convert to UR if also have Ink+ or Sapphire |
| $0 | General only if you have a Plus or Sapphire too; rotating bonus |