Top 5 Credit Card Offers – November 2016

I’m going to do a new series every month to let you know what I think are the best credit card sign up bonuses at that time. I cannot take into account your current point balances, or where you would like to go, so this list assumes that all of your point balances are zero and that you don’t have any credit cards. If you already have some cards and some points and are wondering which cards will help you specifically reach your travel goals, reach out to me and I’ll do my best to help.

There are many famous blogs out there that also post these lists. The authors of those blogs get paid if you sign up from their links and so their lists are influenced heavily on which banks pay them and which banks pay them the most money. I am not paid by any bank for any card on this list. 

  1. Chase Sapphire Reserve100,000 Ultimate Rewards points
    • The bonus is absurdly good and only requires $4,000 in spend
    • You get $300 in airfare travel credits every calendar year. Almost everyone spends this much in a year. You can take advantage of this twice in your first cardmember year, essentially making the annual fee negative $150 (the annual fee is $450)
    • Get Priority Pass lounge access
    • Get great trip delay/cancellation insurance when using the card to book a flight (even award flights if you use it to pay the taxes/fees)
    • Great earning categories giving 3 points for both travel and dining
  2. American Express Business Platinum Card100,000 Membership Rewards Points
    • The bonus is absurdly good, but requires $10,000 in spend
    • You get $200 in airline fee credits every calendar year (can only be used for fees and not for tickets). These credits are a little harder to take advantage of than the Chase Sapphire Reserve, but if you are able to take advantage of it twice in your first cardmember year, you can bring the annual fee of the card down to $50 (the annual fee is $450)
    • Get Priority Pass lounge access and Delta lounge access when flying on Delta
    • If you use your points to book a paid flight, you get 50% of your redeemed points back. This can be a huge benefit, and is one reason I am seriously considering this card.
    • Access to American Express Sync offers, which can save you hundreds of dollars a year
  3. Chase Ink Plus Business Credit Card60,000 Ultimate Rewards Points
    • Pretty good bonus of 60,000 points after $5,000 in spend
    • Has good earning categories giving 5 points at office supply stores, cell phone bills, internet, and cable TV services. Also gives 2 points on gas stations and hotels
  4. Citi Prestige Card50,000 ThankYou Points
    • Decent bonus requiring $5,000 in spend
    • Gets you a Priority Pass membership
    • You get $250 in airline travel credits every year. If you take advantage of this twice in your first cardmember year, your annual fee will be negative $50 (the annual fee is $450)
    • 4th night is free on hotel stays booked through Citi
  5. Chase Sapphire Preferred50,000 Ultimate Rewards Points
    • Decent bonus requiring $4,000 in spend
    • Decent Earning Categories giving 2 points for both travel and dining
    • Get great trip delay/cancellation insurance when using the card to book a flight (even award flights if you use it to pay the taxes/fees)

Conclusion

This list turned out to be pretty boring with each of the major issuers premium cards being at the t0p. However, all of these cards earn flexible points, which are better than fixed points. I may spend more time this month analyzing different offers and expand into doing a top 10 credit cards list so we can get to some of the better lesser-known credit card offers. Regardless, the cards on this list are the ones you should be looking to get if you are new and just getting into the hobby. Don’t let the annual fees scare you off. If you only keep the cards for a year, you usually end up breaking even or better.

Any card not on my list that you feel should be in the top 5? Let me know!

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