Top Credit Cards

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Personal Cards

 

Barclaycard Arrival Plus™ World Elite MasterCard® – TOP STARTER CARD

  • Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days – that’s enough to redeem for a $500 travel statement credit
  • Earn 2X miles on all purchases
  • Redeem for travel or cash back statement credits, gift cards and merchandise. Redemption values vary
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Miles don’t expire as long as your account is open, active and in good standing
  • No foreign transaction fees on anything you buy while in another country
  • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 16.74%, 20.74% or 23.74%, based on your creditworthiness.
  • Please note, there is a fee for balance transfers

Barclaycard CashForward™ World Mastercard® – Top Cashback Card

  • Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening
  • Earn unlimited 1.5% cash rewards on every purchase
  • Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
  • Redeem your cash rewards for a deposit into a U.S. checking or savings account, a statement credit or gift cards. Redemptions start at $50
  • Cash rewards do not expire as long as your account is open, active and in good standing
  • Enjoy a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 15.74%, 20.74% or 25.74%, based on your creditworthiness
  • Please note, there is a fee for balance transfers
  • No annual fee

Sapphire Preferred by Chase 

Chase-Sapphire-Preferred

  • 50k Ultimate Rewards bonus after $4,000 spend in 3 months ($500 or more towards travel)
  • No annual fee the first year, then $95
  • No foreign transactions fees
  • Can book Flight Deals with points! (our #1 way to book deals)
  • 2x points when spending on travel and dining at restaurants
  • Apply for this card first! New Chase limits on this card! –> Read here first!

Starwood Preferred Guest by American Express – (Card Review) SPG Card thrifty traveler

  • 25k Bonus after $3,000 spend in 3 months
  • No annual fee the first year, then $95
  • If you transfer over 20k miles to an airline program you receive a 5k bonus (25% points bonus)
  • Spending over $30k per year will earn you SPG Gold Status
  • New: No Foreign Transaction Fees
  • New: Receive free in-room, premium internet access
  • New: Free unlimited Boingo Wi-Fi on up to four devices at more than 1 million Boingo hotspots worldwide
  • Provides 5 nights towards status per year
  • This is my everyday spending card when I’m not working towards a spending bonus

Hilton Honors Card from American Express

  • Receive 80,000 Hilton Honors points after spending $2,000 in the first 3 months 
  • 7x points on purchases made directly with Hilton
  • 5x points at US restaurants, US supermarkets, and US gas stations
  • 3x points on all other purchases
  • Complementary Hilton Honors Silver status for as long as you have the card
  • After $20,000 in spend in a calendar year, you will earn Hilton Honors Gold status.
  • No Annual Fee
  • It is worth noting that all Hilton elite members receive a fifth night free on award stays (This includes silver status)

Hilton Honors Surpass Card from American Express

  • Receive 100,000 Hilton Honors points after spending $3,000 in the first 3 months 
  • 12x points on purchases made directly with Hilton
  • 6x points at US restaurants, US supermarkets, and US gas stations
  • 3x points on all other purchases
  • Complementary Hilton Honors Gold status for as long as you have the card
  • After $40,000 in spend in a calendar year, you will earn Hilton Honors Diamond status.
  • $75 Annual Fee (not waived for the first year)

AMERICAN EXPRESS PLATINUM CARD

  • 60k Membership Rewards points after $5,000 spend in 3 months ($500 or more towards travel)
  • Annual fee of $550
  • Monthly $15 Uber reimbursement
  • $200 annual reimbursement for flight incidentals (Works for Delta gift cards)
  • Priority Pass Lounge Access
  • Access to American Express Centurion Lounges & Escape Lounge
  • Fee credit for TSA Pre-check & Global Entry
  • No interest charges, must be paid in full each month
  • Points are transferrable 1:1 to many airlines or hotels including Delta
  • Boingo Wi-Fi Access at over 1 million hotspots worldwide

Gold Delta Skymiles Card by Amex 
Screen Shot 2015-04-11 at 11.32.40 AM

  • 40k SkyMiles after $1,000 spend in 3 months
  • No annual fee the first year, then $95
  • $50 statement credit after Delta purchase in first 3 months
  • Priority Boarding
  • Free checked bag
  • No foreign transaction fees

Platinum Delta SkyMiles Card by Amex delta platinum thrifty traveler

  • 50k SkyMiles after $1,000 spend in 3 months (Limited time offer!)
  • $195 upfront annual fee
  • $100 statement credit after Delta purchase within your first 3 months.
  • Make $25k in purchases on the Card in a calendar year and earn 10k MQMs and 10k bonus miles
  • Make $50k in purchases on the Card in a calendar year and earn 10k more MQMs and 10k bonus miles
  • Priority Boarding
  • Free checked bag
  • No foreign transaction fees

Amex Premier Rewards Gold premier rewards gold thrifty traveler

  • 25k Membership Rewards points after $2,000 spend in 3 months ($500 or more towards travel)
  • No annual fee the first year, then $195
  • No foreign transactions fees
  • $100 annual reimbursement for flight incidentals (Make money for applying!)
  • No interest charges, must be paid in full each month
  • Points are transferrable 1:1 to many airlines or hotels including Delta
  • Points can also be used for gift cards, statement credits, or booking flights directly but it is more lucrative to transfer the points to an airline loyalty program

American Airlines AAdvantage Platinum Select by Citi Screen Shot 2015-04-11 at 11.17.51 AM


Southwest Airlines Card by Chase 01868_card_t0001_rsp

  • Two personal cards available (Plus/Premier)
  • 50k miles after $2,000 spend in 3 months (Limited Time Offer!)
  • Up front annual fee of $99
  • No foreign transaction fees
  • No change fees when you cancel and rebook a flight
  • Companion Pass (Allows companion to fly for free when redeeming or paying with points.)
    • Quite possibly the most valuable item in the points game!

IHG Rewards Club Select Card by Chase – (Card Review)Screen Shot 2015-04-11 at 11.34.13 AM

  • 60k points after $1,000 spend in 3 months
  • No annual fee the first year, then $49 (Cheap annual fee)
  • Annual Free night anywhere in the IHG chain (Huge value)
  • Automatic Platinum Elite IHG Status
  • Valuable card with a low annual fee!

Hyatt Card by Chasehyatt credit card

  • 2 FREE NIGHTS at any Hyatt Property after $1,000 spend in 3 months (One of our favorite bonuses)
  • No foreign transaction fees
  • Hyatt Gold Passport Platinum Status
  • Annual Free night at any category 1-4 property
  • No foreign transaction fees

thrifty traveler

Chase Freedom

  • $150 bonus after you spend $500 on purchases in the first 3 months from account opening.
  • 5% cash back on quarterly rotating categories, 1% on all other purchases
    • Limited time 10% Cash Back at Amazon
  • No annual fee
  • Card earns cash back or Ultimate Rewards (If you have a Chase Sapphire Preferred)
  • Great card to keep open forever
  • New Chase limits on Ultimate Rewards program –> Read here first!

 

Business Cards

You may be asking yourself, “Am I eligible for a business credit card?“. If you own a business or even sell items on craigslist or eBay you should qualify. If you don’t have a Employer Identification Number (EIN) for your business then select Sole Proprietorship for the business type on the card application. In fact it’s generally easier to get approved for a business card if you don’t have an EIN, since the credit card companies ask fewer questions! You rarely receive instant approval with business credit cards, so you should call the reconsideration lines listed at the end of this step. I recommend doing this immediately after application. If you do not call the reconsideration lines it is unlikely you will be approved. Don’t miss out on business cards! They are significant source of points!

Ink Plus Preferred Card by ChaseScreen Shot 2015-04-11 at 12.08.26 PM

  • 80k Ultimate Rewards bonus after $5,000 spend in 3 months (LIMITED TIME OFFER)
  • $95 annual fee
  • No foreign transactions fees
  • Earn 3X points on the first $150k spend on Travel, Phone, Internet, and Online Advertising
  • Earn 1X points everywhere else 
  • No foreign transaction fees

Starwood Preferred Guest Business by American Express – (Card ReviewSPG Card Thrifty traveler

  • 25k bonus after $5,000 spend in 3 months 
  • No annual fee the first year, then $95
  • If you transfer over 20k miles to an airline program you receive a 5k bonus (25% points bonus)
  • Spending over $30k per year will earn you SPG Gold Status
  • New: No Foreign Transaction Fees
  • New: Receive free in-room, premium internet access
  • New: Free unlimited Boingo Wi-Fi on up to four devices at more than 1,000,000 Boingo hotspots worldwide
  • New: Free access to the Sheraton Lounges
  • Provides 5 nights towards status per year

Business Gold Rewards by American Expressflat-cardart-111

  • 25k Membership Rewards points after $10,000 spend in 3 months ($750 or more towards travel)
  • $0 annual fee the first year, then $175
  • No foreign transactions fees
  • No interest charges, must be paid in full each month
  • 3X points on airfare, gas, advertising, shipping, or computer purchases
  • Points are transferrable 1:1 to many airlines or hotels including Delta
  • Points can also be used for gift cards, statement credits, or booking flights directly but it is more lucrative to transfer the points to an airline loyalty program

Gold Delta Skymiles Business Card by Amex 

  • Screen Shot 2015-04-11 at 12.21.17 PM30k miles after $1,000 spend in 3 months 
  • No annual fee for the first year, then $95
  • $50 statement credit after Delta purchase in first 3 months
  • Priority Boarding
  • Free checked bag
  • No foreign transaction fees

Platinum Delta SkyMiles Business Card by Amex 

  • delta medallion thrifty traveler35k miles and 5k MQMs after $1,000 spend in 3 months (Great for earning MQMs)
  • $195 upfront annual fee
  • $100 statement credit after Delta purchase within your first 3 months.
  • Make $25k in purchases on the Card in a calendar year and earn 10k MQMs and 10k bonus miles
  • Make $50k in purchases on the Card in a calendar year and earn 10k more MQMs and 10k bonus miles
  • Priority Boarding
  • Free checked bag
  • No foreign transaction fees

Southwest Airlines Premier Business Card by Chase swa_premier_biz_card

  • 50k offer after $2,000 spend in 3 months
  • Up front annual fee of $99
  • 6k bonus after your cardmember anniversary
  • No foreign transactions fees
  • Companion Pass (Best deal in the points game!)

Call if you are not instantly approved:

American Express Credit Card Reconsideration

  • 877-399-3083 (new accounts) 8am-midnight EST M-F, 10am-6:30pm Saturday

Barclays Credit Card Reconsideration

  • 866-408-4064. (credit analyst) 8am-5pm EST Monday to Friday

Chase Credit Card Reconsideration

  • 888-245-0625 (personal credit analyst, 7am-10pm EST M-F; 8am-10pm EST Sat. and 9am-9pm Sun.)
  • 800-453-9719 (business credit analyst, 8am-10pm EST M-F)

Citibank Credit Card Reconsideration

  • 800-763-9795 (personal and business card application status/analyst) 7am-midnight EST 7 days a week

 

 

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