Best Spending Cards

Best Spending Cards

Card NameUpfront BonusesSpending BenefitsOther Key BenefitsAnnual FeeIssuer's DescriptionHow to Use
Sapphire ReserveChase Sapphire Reserve Credit Card50k 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)
  • Priority Pass lounges
  • $300 tvl credit
  • Global Entry
  • Global Evac.
  • Pur. protection
  • No FTF's
$450General, Travel, Dining
Barclaycard Arrival™ World MasterCard® - Earn 2x on All Purchases
  • More Info
  • Barclaycard Arrival Plus™ World Elite MasterCard®50k ($500 toward travel) after spending $3k in 90 days2 Points + 5% rebate / $ (in effect 2.1% toward any travel)
    • No FTF's
    • Chip
    $0 1st Yr.,
    then $89
    General spending only
    AMEX Business Gold Card

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  • The Business Gold Rewards Card25k 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
    Click on the Credit Karma Banner above to get additional details about this card.Keep in desk for advertising, shipping & short-list of tech firms (e.g., Apple, Dell, MSFT)
    American Express Starwood Credit Card

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  • Starwood Preferred Guest® Credit Card from American Express35k after spending $5k in 3mos (until 4/5/2017)1 (valuable) point / $
    • SPG Gold after $30k/yr
    • 5 nights toward elite
    • no FTF(new)
    • Premium Internet
    $0 1st Yr.,
    then $95
    Click on the Credit Karma Banner above to get additional details about this card.General Spend
    Capital One Venture Credit Card
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  • Capital One Venture Rewards40k points after spending $3k in 3mos2 Points / $ (basically 2% Cash)
    • No FTF's
    $0 1st Yr.,
    then $59
    Click on the Credit Karma Banner above to get additional details about this card.General spending only
    American Express Blue Credit Cash
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  • Blue Cash Preferred® Credit Card$150 after spending $1k in 3 mos.1% cash
    6% at supermarkets (up to $6k spend)
    3% at stand alone gas stations and some department stores
    • None
    $75Click on the Credit Karma Banner above to get additional details about this card.Supermarket spend for families, Gas
    Capital One Spark for BusinessSpark Cash From Capital One (Business)$500 after spending $4,500 in 3 months2% cash
    • No FTF
    $0 1st Yr.,
    then $59
    Not Provided by IssuerGeneral spending only
    Chase Ink Cash Credit Card
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  • Chase Ink Cash Credit Card$300 after spending $3k in 3 mos.1% cash
    2% on gas & dine
    5% on Office Supply & Telecom
    (2/5% - max $25k); convert to UR if also have Ink+ or Sapphire
    • 0% interest on purchases for 12 mos
    $0Click on the Credit Karma Banner above to get additional details about this card.General, Gas & Dine only if you have a Plus or Sapphire too; Office Supply & Telecom

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  • Chase Freedom$100 after spending $500 in 3mos + $25 for an additional cardholder1% Cash
    5% (up to $75) of rotating categories; convert to UR if also have Ink+ or Sapphire
    • 0% interest on purchases for 15 mos
    $0Click on the Credit Karma Banner above to get additional details about this card.General only if you have a Plus or Sapphire too; rotating bonus

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