Our Top Card Issuers of 2023

Point Multipliers:‍ 

• Earn 2X points on travel purchases including airfare, hotels, cruises, and rideshare 
• 5X total points on all travel purchased through Chase Ultimate Rewards 
• 3X points on dining purchases including fine dining, coffee shops, fast food restaurants, and eligible delivery services 
• 3X points on select streaming services 
• 3X points on online grocery purchases (excluding Target, Walmart and wholesale clubs) 
• Earn 1X points on all other purchases

No foreign transaction fees

The Chase Sapphire Preferred® Card is ideal for those optimizing for cash back or travel. Redeem Chase Ultimate Rewards for cash back at 1.25x on select categories through Pay Yourself Back or travel via the Chase Travel Portal. The card is also a basic travel card with good spend multipliers and benefits like no foreign transaction fees and primary collision damage waiver (terms apply).

Earn an unlimited 1.5% cash back on every purchase, and there is no maximum amount you can earn.

The Ink Business Unlimited® Credit Card is a great “everything else” option for your business. If combined with other Chase cards, the points can be substantially more valuable whether you’re using the “Pay Yourself Back” program or redeeming for travel.

Point Multipliers

Earn 5% back on your first $25,000 in combined spend each card member year at:

• Office supply stores
• Internet
• Cable
• Phone services 

Earn 2% cash back on the first $25,000 on combined spend each card member year at:

• Gas stations
• Restaurants

The Ink Business Cash® Credit Card is one of the best no-annual fee options available that has competitive multipliers for common business categories. The cash back earned is in points and has substantial upside if used in conjunction with other Chase cards.

Point Multipliers:

• 10X on Chase Dining through Ultimate Rewards
• 10X on hotels and car rentals through Ultimate Rewards
• 5X on flights through Ultimate Rewards
• 3X on other travel worldwide
• 3X on dining
• 1X on all other purchases

The Chase Sapphire Reserve® is a strong premium card if you care about earning points or benefits when you travel. Despite the $550 annual fee, the $300 travel credit, Priority Pass membership, and travel insurances make the card worth considering.

Point Multipliers:

• 5% on travel purchased through Chase Ultimate Rewards (Chase’s travel portal)
• 3% on dining at restaurants (including takeout and eligible delivery apps)
• 3% on drugstore purchases
• 1.5% everywhere else

The Chase Freedom Unlimited® is one of the best no annual fee “catch-all” cards available. The card is also a key piece of the Chase Trifecta and a strong earner.

Point Multipliers

With the Ink Business Preferred® Credit Card (CIP), you earn 3x points on the first $150,000 combined spending in various categories. The $150,000 cap is based on the account anniversary year.

3x categories include:

• Shipping
• Internet, cable, and phone
• Advertising through social media sites and search engines
• Travel

You also earn 1x on all other purchases.

The Ink Business Preferred® Credit Card is a great option if you spend a lot in business categories and want to get elevated value from your Ultimate Reward points.

Point Multipliers:

• 5% Total cash back on travel purchased via Chase Ultimate Rewards
• 2.5% Cash back on purchases of $5,000 or more
• 2% Cash back on all other business purchases

Earn unlimited cash back on all purchases. Although it's advertised as cash back, the Ink Business Premier Credit Card earns Ultimate Rewards (UR) points. However, you are unable to combine the UR points with other Chase cards in the ecosystem for redemption.

Point Multipliers:

• 9X Points on Hyatt stays and experiences, including restaurants and spas
• 2X Points on your top eligible spend categories each quarter through 12/31/24, then your top two categories each quarter:
  • Dining
  • Airline tickets purchased directly with the airline
  • Car rental agencies
  • Local transit and commuting
  • Gas stations
  • Internet, cable, and phone services
  • Social media and search engine advertising
  • Shipping
• 2X Points at fitness club and gym memberships
• 1X on all other purchases

Earn Hyatt points faster. If you spend $50,000 or more (calendar year) you get 10% of the points you redeem back for the remainder of the year. Get up to $100 in Hyatt statement credits when you spend $50 or more at any Hyatt property, and earn $50 statement credits up to two times each anniversary year. 

Point Multipliers:

• Earn up to 26X points total at IHG hotel and resorts
• 5X Points on travel
• 5X Points at gas stations
• 5X Points at restaurants
• 3X Points on all other purchases

A great card for IHG loyalists that gives you automatic Platinum Elite status as long as the card is open. You also get an anniversary night (valued up to 40,000 points) every cardmember year for keeping the card, which helps offset the annual fee.

Point Multipliers:

• Earn up to 17X points total at IHG hotel and resorts
• 3X Points on dining
• 3X Points at gas stations
• 3X Points at select streaming services
• 3X Points on utilities
• 2X Points on all other purchases

A great card for IHG loyalists that gives you automatic Silver Elite status with the opportunity to earn Gold Elite status. Enjoy a reward night when you redeem points for a four-night consecutive stay at IHG properties.

Point Multipliers:

• Earn up to 26X points total at IHG hotel and resorts
• 5X Points on travel
• 5X Points at gas stations
• 5X Points at restaurants
• 3X Points on all other purchases

A great card for IHG loyalists that gives you automatic Platinum Elite status as long as the card is open. You also get an anniversary night (valued up to 40,000 points) every cardmember year for keeping the card, which helps offset the annual fee.

Point Multipliers:

• 3X Miles on United Airlines purchases (immediately after earning the $125 annual United purchase credit)
• 2X Miles on all other travel
• 2X Miles on dining
• 2X Miles on select streaming services
• 1X Miles on all other purchases

Ideal for United loyalists who want to earn miles faster. The $125 credit and two 5,000 anniversary award credits help offset the annual fee. On top of that, you get free first and second checked bags.

Point Multipliers:

• 2X Miles on United Airlines purchases
• 2X Miles on dining, including eligible delivery services
• 2X Miles on hotel accommodations when purchased directly with the hotel
• 1X Miles on all other purchases 

The ideal card to get the perks of airline status, without being a frequent flyer. Get a free first checked bag when flying United. In addition, get 2 United Club one-time passes per year.

‍

Point Multipliers:

• 2X Miles on United Airlines purchases
• 2X Miles at gas stations
• 2X Miles on local transit and commuting including ride share services, taxicabs, train tickets, tolls, and mass transit
• 1X Miles on all other purchases 

Good entry level United card to earn miles faster at gas stations and local transit. Get 25% back as a statement credit on United inflight and Club premium drink purchases.

Point Multipliers:

• 4X Miles on United Airlines purchases
• 2X Miles on dining, including eligible delivery services
• 2X Miles on all other travel purchases, including airfare, trains, local transit, cruise lines, hotels, car rentals, taxicabs, resorts, ride share services and tolls
• 1X Miles on all other purchases 

The main draw of the United Club℠ Infinite Card is United Club membership. Enjoy unlimited access for you and eligible travel companions to United Clubs and participating Star Alliance affiliate lounges worldwide. 

Point Multipliers:

• 2X Miles on United Airlines purchases
• 2X Miles on dining, including eligible delivery services
• 2X Miles at gas stations
• 2X Miles at office supply stores
• 2X Miles on local transit and commuting
• 1X Miles on all other purchases 

Get the perks of airline status, without being a frequent flyer. The card comes with 2 United Club one-time passes per year. Plus, add employee cards at no additional cost.

Point Multipliers:

• 3X points at grocery stores
• 3X points on dining at restaurants including takeout and eligible delivery services
• 3X points on purchases with Air Canada directly
• 1x points on all other purchases

Ideal for loyalists who want to earn Aeroplan points. Level up your travel with Aeroplan Elite Status. New cardmembers automatically receive Aeroplan 25K Status for the remainder of the calendar year, plus the following calendar year. You'll also get 500 bonus points for every $2,000 you spend in a calendar month. Terms apply.

Point Multipliers:

• 3X Points on Southwest purchases
• 2X Points on Rapid Rewards hotel and car rental partners
• 2X Points on local transit and commuting, including rideshare
• 2X Points on internet, cable, and phone services, and select streaming
• 1X Points on all other purchases

The flagship card for Southwest Airlines loyalist. Get a $75 Southwest annual travel credit each year, along with 4 Upgraded Boardings per year when available. Get to A-List status faster by earning 1,500 tier qualifying points (TQPs) toward A-List status for every $10,000 spent in purchases annually–with no limit on the amount of TQPs you can earn.

Point Multipliers:

• 2X Points on Rapid Rewards hotel and car rental partners
• 2X Points on local transit and commuting, including rideshare
• 2X Points on internet, cable, and phone services, and select streaming
• 1X Points on all other purchases

Ideal for Southwest loyalist that want to spend their way to A-List status. Earn 1,500 TQPs toward A-List status for every $10,000 you spend–there is no limit on the amount of TQPs you can earn. Get 6,000 points every cardmember anniversary.

Point Multipliers:

• 2X Points on Southwest purchases
• 2X Points on Rapid Rewards hotel and car rental partners
• 2X Points on local transit and commuting, including rideshare
• 2X Points on internet, cable, and phone services, and select streaming
• 1X Points on all other purchases

Enjoy elevated Southwest perks like 2 EarlyBird Check-In passes each year, and 25% back on inflight purchases. Get 3,000 points every year on your Cardmember anniversary.

Point Multipliers:

• 4X Points on Southwest Airlines® purchases made directly with the airline
• 3X Points on Rapid Rewards® hotels and car rental partner purchases
• 2X Points on local transit and commuting, including rideshare
• 2X Points on social media and search engine advertising, internet, cable, and phone services
• 1X Points on all other purchases

Flagship Southwest Airlines business card. Get spend multipliers on various business categories like paid advertising and travel. Earn 9,000 points every cardmember anniversary. In addition, you get 4 upgraded boardings and 365 inflight wifi credits every year.

Point Multipliers:

• 3X Points on Southwest Airlines® purchases made directly with the airline
• 2X Points on Rapid Rewards® hotels and car rental partner purchases
• 2X Points on local transit and commuting, including rideshare
• 1X Points on all other purchases

Enjoy elevated Southwest Airline benefits like 2 EarlyBird Check-In passes per year and 25% inflight purchase discount. Earn 1,500 TQPs toward A-List status for every $10,000 you spend.

Point Multipliers:

• 3X Avios on British Airways, Aer Lingus, and Iberia flight purchases
• 2X Avios on hotel accommodations booked directly with the hotel
• 1X Avios on all other purchase

Ideal for loyalists who want to earn Avios. Get a 10% discount when booking via a special link and up to $600 statement credit on reward flight bookings. Earn a two-for-one "travel together" ticket spend you spend $30,000 each year on the card. Terms apply.

Point Multipliers:

• 3X Avios on Iberia, British Airways, and Aer Lingus flight purchases.
• 2X Avios on hotel accommodations booked directly with the hotel
• 1X Avios on all other purchases

Ideal for Iberia loyalist to earn more Avios. Earn a $1,000 discount voucher after spending $30,000 on the card; terms apply. Get a 10% discount on airfare when you use your card and book your flight on https://iberia.com/Chase10.

Point Multipliers:‍ 

• 3X Avios per $1 spent on Aer Lingus, British Airways, and Iberia flight purchases
• 2X Avios for every $1 spent on hotel accommodations booked directly with the hotel
• Earn 1X points on all other purchases

No foreign transaction fees

Ideal for loyalists who want to earn Avios. The card offers priority boarding on specific flights, and a Commercial Airline Companion Ticket when you spend $30,000 on the card every calendar year.

• Be considered for a lower interest rate by 2% each year when you pay on time and spend at least $1,000 on your card by your next account anniversary. Terms apply.
• Pay over time with My Chase Plan®