At Elevate Miles, we strive to provide honest reviews based on our actual experiences. These cards are what we believe to be the BEST credit cards if you are just getting started in the points world. You may notice that there is only Chase and AMEX on this list – we truly believe that Chase and AMEX have the best transferrable points and travel partners. If you are just starting out, depending on your situation, you definitely want to start off with Chase cards.
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1. Chase Sapphire Preferred Card (CSP)
| Current Offer | 60,000 Bonus Points *after you spend $4,000 on purchases in the first 3 months |
| Annual Fee | $95 |
Point Categories
5X on Travel booked through Chase Travel
3X on restaurants, selector streaming and online groceries
2X UR’s on all other travel (outside of Chase Portal)
1X on everything else
10% points bonus at the end off full year and after fee is paid
What We Think
This is probably the best first card if you are starting out in the travel game.
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2. Chase Ink Business Unlimited Card (CIU)
| Current Offer | 75,000 ($750 Cash Back) Bonus Points *after you spend $6,000 on purchases in the first 3 months |
| Annual Fee | $0 |
Point Categories
1.5X on everything
What We Think
This is a great card that comes with a nice sign up bonus and 1.5X on everything makes it a great full business use card. Additional perks include 40,000 bonus points if you refer another business.
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3. Chase Ink Business Cash Card (CIC)
| Current Offer | 75,000 ($750 Cash Back) Bonus Points *after you spend $6,000 on purchases in the first 6 months |
| Annual Fee | $0 |
Point Categories
5X on the first $25,000 spent in combined purchases at office supply stores and internet/cable/phone services.
2X on first $25,000 spent at gas stations and restaurants each anniversary year.
1X on everything else.
What We Think
Although the welcome bonus is advertised as cash, you can transfer/redeem this bonus as Chase UR’s if you have a qualifying UR card. Additional perks include 40,000 bonus points if you refer another business.
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4. Chase Ink Business Preferred (CIBP)
| Current Offer | 100,000 Bonus Points *after you spend $8,000 on purchases in the first 3 months |
| Annual Fee | $95 |
Point Categories
3X on every dollar for the first $150K spent on travel, shipping, internet/cable/phones and ad purchasing for social media sites/search engines.
1X on everything else.
What We Think
Great for those who have a large upcoming expense for their business. Also a great card that allows you to earn UR’s. Additional perks include 40,000 bonus points if you refer another business.
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5. American Express Gold Card (Personal)
| Current Offer | 60,000 Bonus Points *after you spend $6,000 on purchases in the first 6 months |
| Annual Fee | $250 |
Point Categories
4X at restaurants and supermarkets (on up to $25K per year)
3X on flights booked directly with airlines or on Amextravel.com
1X on everything else.
What We Think
Although it comes lower on the list, you may apply for this card if you are already over the Chase 5/24 rule. The $250 fee might seem steep, but the additional $10/month in Uber/Grubhub credits make up for it.
The 4X on groceries and dining is a great way to earn spend points as these usually make up a fair portion of the average persons monthly budget.
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