These Are The Best 3 Credit Cards To Sign Up For Right Now!

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Sean MacEntee, [CC BY 2.0], via Flickr
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DansDeals will receive compensation if you are approved for a credit card via a link in this post. Terms apply to American Express benefits and offers, visit americanexpress.com to learn more.

Top 3 limited time card offers:

  1. Chase Ink Business Cash Card: 90,000 bonus miles for spending $6,000 in 3 months. 
  2. Chase Ink Business Unlimited Card: 90,000 bonus miles for spending $6,000 in 3 months. 
  3. Citi Premier Card: 80,000 bonus miles for spending $4,000 in 3 months.  

Readers are always asking me what credit card they should be opening. Over the years, I’ve opened hundreds of credit cards, earning tens of millions of miles. A good place to start is this guide that will walk you through the process of knowing which credit cards to apply for, though that post is in need of a good updating.

In the meantime, here is a list of current limited time offers and mega bonuses that you can take advantage of. With Black Friday and Cyber Monday coming up, it’s a great time to open cards with spend thresholds that can be completed over the next 3-6 months while taking advantage of bargains!

Chase:

1. Chase Ink Business Cash Card: Limited time offer (Expiration unknown): 90,000 bonus miles for spending $6,000 in 3 months. 

  • Signup bonus value: Redeem your 90K bonus points for $900 cash back or if you also have Sapphire Reserve, Sapphire Preferred, or Ink Preferred you can redeem for travel worth up to $1,350 or transfer to potentially lucrative airline and hotel partners like United, Hyatt, Southwest, Air Canada, Avios, Singapore, JetBlue, Virgin Atlantic, and more.
  • Spend categories: Earn 5 points per dollar on up to $25K in annual spending on office supply stores (including gift cards to stores like Amazon and hundreds more), streaming, TV, internet, and cell phones. 2 points per dollar on up to $25K in annual spending on gas and dining.
  • Notable benefits: 0% intro APR on purchases within 12 months of account opening.
  • Annual fee: $0.
  • Bottom line: A rare top-notch signup bonus on an excellent no annual fee card with incredible spend categories.
  • Read more here.

 

2. Chase Ink Business Unlimited Card: Limited time offer (Expiration unknown): 90,000 bonus miles for spending $6,000 in 3 months. 

  • Signup bonus value: Redeem your 90K bonus points for $900 cash back or if you also have Sapphire Reserve, Sapphire Preferred, or Ink Preferred you can redeem for travel worth up to $1,350  or transfer to potentially lucrative airline and hotel partners like United, Hyatt, Southwest, Air Canada, Avios, Singapore, JetBlue, Virgin Atlantic, and more.
  • Spend categories: Earn 1.5 points per dollar everywhere.
  • Notable benefits: 0% intro APR on purchases within 12 months of account opening.
  • Annual fee: $0.
  • Bottom line: A rare top-notch signup bonus on an excellent no annual fee card with excellent everyday earnings.
  • Read more here.

 

3. Chase Sapphire Reserve Card Limited Time offer (Ends 6pm ET on 11/30): 80,000 bonus miles for spending $4,000 in 3 months. 

  • Signup bonus value: Redeem your 80K bonus points for $1,200 cash back or $1,200 for travel and pay yourself back categories or transfer to potentially lucrative airline and hotel partners like United, Hyatt, Southwest, Air Canada, Avios, Singapore, JetBlue, Virgin Atlantic, and more.
  • Spend categories: Earn 3 points per dollar on travel and dining, 10 points per dollar on Lyft and on hotels and cars via the Chase Travel portal, 5 points per dollar on airfare via the Chase portal. No foreign transaction fees.
  • Annual spend credit: $300 on all travel.
  • Notable benefits: Global Entry/TSA PreCheck/Nexus credit. Unlimited free Priority Pass lounge visits with 2 free guests. $5 Doordash monthly credit and Doordash Dashpass membership. $15 monthly Instacart credit and Instacart+ membership. Primary rental car CDW insurance. Free roadside assistance. Return protection.
  • Annual fee: $550. You can redeem 36,666 points to cover the annual fee.
  • Bottom line: A great card with an excellent signup bonus, though the card lost some of its luster when annual fee was increased by $100.
  • Read more here.

 

4. Chase Ink Premier Card: $1,000 cash back for spending $10,000 in 3 months. 

  • Signup bonus value: $1,000 cash back for spending $10,000 in 3 months.
  • Spend categories: 2% cash back everywhere or 2.5% cash back everywhere on $5,000+ purchases.
  • Notable benefits: High cashback card with very high credit limits, cell phone protection.
  • Annual fee: $195.
  • Bottom line: If you make large purchases or tax payments and want cash back without jumping through any hoops, this is an excellent card to have and it comes with a great signup bonus as well.
  • Read more here.

 

5. Chase Ink Business Preferred Card: 100,000 bonus miles for spending $15,000 in 3 months. 

  • Signup bonus value: Redeem your 100K bonus points for $1,000 cash back or $1,250 for travel and pay yourself back categories ($1,500 if you also have Sapphire Reserve) or transfer to potentially lucrative airline and hotel partners like United, Hyatt, Southwest, Air Canada, Avios, Singapore, JetBlue, Virgin Atlantic, and more.
  • Spend categories: Earn 3 points per dollar on up to $150K in annual spending on travel, internet, cable, phone, shipping, and online advertising. No foreign transaction fees.
  • Notable benefits: Cell phone protection.
  • Annual fee: $95.
  • Bottom line: A mega signup bonus on a very good card if you can swing the spend requirement.
  • Read more here.

 

6. Chase United Club Infinite Card Card Limited Time offer (Ends 1/25/23): Earn 100,000 bonus miles for spending $5,000 in 3 months from card opening.

  • Signup bonus value: Redeem your 100K bonus points for United and partner airline flights. Aim for a value of 1.1 cents per mile on everyday awards and 1.5-3 cents per mile on saver awards, plus have the ability to make free changes and cancellations. At an average of 1.3 cents per mile, the signup bonus would be worth $1,300.
  • Spend categories: Earn 4 miles per dollar on United purchases, including tickets, upgrades, WiFi, inflight food and drinks. 2 miles per dollar on all other travel.
  • Annual spend credit: $100 if you make 7 United purchases of $100 or more on the card.
  • Anniversary credit: 5,000 miles annually upon renewal if you also have a United consumer card.
  • Notable benefits: Full United Club membership. 2 free checked bags worldwide. Global Entry/PreCheck/Nexus refund. IHG Platinum status. Avis President’s Club status. 10% discount on US48/Canada saver awards. 25% statement credit for food, beverage, and WiFi purchases. Free carry-on bag and priority boarding even on basic economy fares. Upgrades on awards for elites. 3 free years of Shipt/Target delivery. Earn up to 8,000 PQPs annually. Free Doordash membership.
  • Annual fee: $525. You can redeem 35,000 miles to cover the annual fee.
  • Bottom line: Excellent benefits if you want a United Club membership or want to spend your way to United elite status.
  • Read more here.

 

7. Chase United Quest Card Limited Time offer (Ends 1/25/23): Earn 80,000 bonus miles for spending $5,000 in 3 months from card opening.

  • Signup bonus value: Redeem your 80K bonus points for United and partner airline flights. Aim for a value of 1.1 cents per mile on everyday awards and 1.5-3 cents per mile on saver awards, plus have the ability to make free changes and cancellations. At an average of 1.3 cents per mile, the signup bonus would be worth $1,040.
  • Spend categories: Earn 3 miles per dollar on United purchases. 2 miles per dollar on all other travel, dining, and streaming.
  • Annual spend credit: $125 every cardmembership year on United spending, including travel bank funding.
  • Anniversary credit: 5,000 mile rebate, up to twice per year, on United flights.
  • Notable benefits: 2 free checked bags worldwide. Global Entry/PreCheck/Nexus refund. 25% statement credit for food, beverage, and WiFi purchases. Free carry-on bag and priority boarding even on basic economy fares. Upgrades on awards for elites. Earn up to 6,000 PQPs annually from spending. Free Doordash membership.
  • Annual fee: $250. You can redeem 16,667 miles to cover the annual fee.
  • Bottom line: Excellent benefits if you want 2 free checked bags on United, with rebates and benefits that can more than cover the cost of the annual fee.
  • Read more here.

 

8. Chase Sapphire Preferred Card: 60K bonus points for spending $4,000 in 3 months.

  • Signup bonus value: Redeem your 60K bonus points for $600 cash back or $750 for travel and pay yourself back categories ($900 if you also have Sapphire Reserve) or transfer to potentially lucrative airline and hotel partners like United, Hyatt, Southwest, Air Canada, Avios, Singapore, JetBlue, Virgin Atlantic, and more.
  • Spend categories: Earn 2.1 points per dollar on travel, 3.1 points per dollar on dining, streaming, and online grocery shopping, 5.1 points per dollar on Lyft and travel booked via the Chase portal, 1.1 points per dollar elsewhere after 10% annual points dividend. No foreign transaction fees.
  • Annual spend credit: $50 credit for hotels booked via Chase portal.
  • Notable benefits: Primary rental car CDW insurance. 10% annual points dividend.
  • Annual fee: $95.
  • Bottom line: An excellent well-rounded card, though we have seen higher signup bonuses offered in the post.

 

9. Chase Southwest Consumer Priority Card, Chase Southwest Consumer Premier Card, or Chase Southwest Consumer Plus Card: Limited time offer (Ends 6pm ET on 12/5): 75K bonus points for spending $3,000 in 3 months.

  • Signup bonus value: Redeem your 75K bonus points for $1,125 of Southwest flights or $2,250 with a Companion Pass.
  • Spend categories: Earn up to 3 points per dollar. See chart here.
  • Anniversary bonus: 3K-7.5K points. See chart here.
  • Notable benefits: Spending and signup bonuses count towards earning Companion Pass. See more here.
  • Annual fee: $69-$149
  • Bottom line: Great cards for Southwest perks and perfect timing for earning a Companion Pass good through 12/31/24.
  • Read more here.

 

Citibank:

1. Citi Premier Card Limited Time offer (Expiration unknown): 80K bonus points for spending $4,000 in 3 months.

  • Signup bonus value: Redeem your 80K points for $800 cash ($888 cash if you also have a Citi Rewards+) or transfer 1:1 (0.9:1 if you also have a Citi Rewards+) to potentially lucrative airline and hotel partners like Turkish, Lifemiles, Avios, JetBlue, Singapore, Qantas, Virgin Atlantic, and more.
  • Spend categories: Earn triple points on airfare, hotels, travel agents, gas, supermarkets, and dining. No foreign transaction fees.
  • Notable benefits: Save $100 off a $500 hotel stay annually. Extended warranty of 24 months on top of manufacturer’s warranty. Citi virtual card numbers.
  • Annual fee: $95.
  • Bottom line: An excellent highest ever signup bonus on a card with a low annual fee, great spend categories, and versatile points. Combine with Citi Double Cash Card to earn 2 points everywhere and with Citi Rewards+ to get a 10% points rebate and 10 points on every purchase.
  • Read more here.

 

2. Citi AAdvantage Executive World Elite Consumer MastercardLimited Time offer (Expiration unknown): 80K bonus miles for spending $5,500 in 3 months.

 

 

  • Signup bonus value: Redeem your 80K bonus points for American and partner airline flights. Aim for a value of 1.3 cents per mile on web special awards and 1.6-3 cents per mile on saver awards, plus have the ability to make free changes and cancellations. At an average of 1.5 cents per mile, the signup bonus would be worth $1,200.
  • Spend categories: Earn 2 miles per dollar on AA purchases or 4 through 12/31/22. No foreign transaction fees.
  • Notable benefits: Admirals Club membership for primary as well as up to 10 no annual fee secondary users. 10K bonus loyalty points for spending $40K/year. Free first domestic checked bag for up to 8 companions, priority boarding before other cardholders, 25% off in-flight purchases, annual $99 companion certificate if you spend $30K/year. Global Entry/PreCheck membership.
  • Annual fee: $450, with discounts for Citigold and Citi Private Client members.
  • Bottom line: An excellent signup bonus for a premium AA card with awesome benefits for free secondary cardholders.
  • Read more here.

 

3. CitiBusiness AAdvantage Platinum World Mastercard: 65K bonus miles for spending $4,000 in 3 months.

  • Signup bonus value: Redeem your 65K bonus points for AA and partner airline flights. Aim for a value of 1.2-3 cents per mile. At an average of 1.5 cents per mile, the signup bonus would be worth $975.
  • Spend categories: Earn 2 miles per dollar on car rentals, gas, telecom, internet, cable, satellite service providers, and AA purchases. No foreign transaction fees.
  • Notable benefits: Free first domestic checked bag, priority boarding, 25% off in-flight purchases, annual $99 companion certificate if you spend $30K/year. Mastercard Easy Savings.
  • Annual fee: $99, waived for the first year.
  • Bottom line: A solid signup bonus for an AA card with the annual fee waived and benefits for AA flyers.
  • Read more here.

 

4. Citi Rewards+ Card Limited time offer (Expiration unknown): 20,000 ThankYou points for spending $1,500 in 3 months. Plus, earn 5 points per dollar on up to $6,000 at restaurants for the first 12 months of cardmembership.

  • Signup bonus value: Redeem your 20K bonus points for $200 towards gift cards or travel or $200 cash back if you have a Citi Double Cash Card or Citi Premier Card or with a Citi Premier you can also transfer to potentially lucrative airline and hotel partners like Turkish, Lifemiles, Avios, JetBlue, Singapore, Qantas, Virgin Atlantic, and more.
  • Spend categories: Earn 5 points per dollar on up to $6,000 at restaurants for the first 12 months of cardmembership. Earn 2 Points per $1 spent at supermarkets and gas stations for the first $6,000 per year.
  • Notable benefits: This card rounds up to the nearest 10 points on all purchases. If you spend $1, you’ll earn 10 points! If you make a $0.50 Amazon balance reload you’ll also earn 10 points, which is equal to earning 20 points per dollar spent!
  • Point rebate: Cardholders get a 10% points rebate when you redeem points, up to a 10K points rebate per year. That means if you redeem 20K points for a $200 gift card good for hundreds of different stores, you’ll get a rebate of 2K points or if you transfer 100K miles to an airline or hotel via Citi Premier, you’ll get a rebate of 10K points.
  • Annual fee: $0
  • Bottom line: This is the highest bonus offered to date on this card, which adds great value to the Citi Premier card.
  • Read more here.

 

Capital One:

1. Capital One Venture Card Limited Time offer (Expiration unknown): 75,000 bonus miles for spending $4,000 in 3 months.

  • Signup bonus value: Redeem your 75K bonus points for $750 to pay yourself back for any travel related charges or transfer to potentially lucrative airline and hotel partners like Air Canada, Lifemiles, Avios, Singapore, Qantas, Virgin Atlantic, and more.
  • Spend categories: Earn 2 miles per dollar everywhere and 5 points per dollar via the Capital One Travel portal or on Turo rentals. No foreign transaction fees.
  • Notable benefits: Global Entry/TSA PreCheck credit. 2 free lounge visits annually.
  • Annual fee: $95.
  • Bottom line: A highly competitive low annual fee card with solid earnings everywhere and a great limited time signup bonus.
  • Read more here.

 

2. Capital One Venture X Card: 75,000 bonus miles for spending $4,000 in 3 months. 

  • Signup bonus value: Redeem your 75K bonus points for $750 to pay yourself back for any travel related charges or transfer to potentially lucrative airline and hotel partners like Air Canada, Lifemiles, Avios, Singapore, Qantas, Virgin Atlantic, and more.
  • Spend categories: Earn 2 miles per dollar everywhere, 10 points per dollar on hotels and cars via the Capital One Travel portal, 5 points per dollar on airfare via the Capital One portal. No foreign transaction fees.
  • Annual spend credit: $300 on the Capital One travel portal.
  • Anniversary credit: 10,000 miles annually upon renewal.
  • Notable benefits: Global Entry/TSA PreCheck credit. Unlimited free Capital One, Plaza Premium, and Priority Pass lounge visits with 2 free guests. Hertz President’s Circle elite status. Primary rental car CDW insurance. Return protection. Free additional user cards also receive unlimited lounge membership and Hertz elite status.
  • Annual fee: $395.
  • Bottom line: A top-notch card with annual credits that more than wipe out the annual fee, and fantastic additional user benefits.

 

AMEX:

1. AMEX Business Platinum Card: 120,000 bonus miles for spending $15,000 in 3 months. 

  • Signup bonus value: Redeem your 120K bonus points for $1,848 of airfare thanks to the 35% points rebate with select airlines in coach or on all airlines in business/first or transfer to potentially lucrative airline and hotel partners like Air Canada, Delta, Avios, Lifemiles, Singapore, Virgin Atlantic, and more, plus take advantage of frequent transfer bonus offers. 
  • Spend categories: Earn 1.5 points per dollar on all $5K+ purchases and on electronic goods retailers and software & cloud system providers, construction material and hardware suppliers, and shipping providers. There are no foreign transaction fees.
  • Annual spend credit: $200 airline fee credit. $189 CLEAR credit. $400 Dell credit ($200 per half year). $120 wireless credit ($10 per month). $150 Adobe credit. $360 Indeed credit ($90 per quarter).
  • Notable benefits: Global Entry/TSA PreCheck credit for both primary and free additional card users. 35% points rebate with select airlines in coach or on all airlines in business/first. Hilton Gold and Marriott Gold elite status. Unlimited free Centurion, Delta, Plaza Premium, Priority Pass, Lufthansa, Escape, and Airspace lounge access. Return protection. Cell phone protection.
  • Annual fee: $695.
  • Bottom line: A hefty fee which is offset by a plethora of credits, a strong signup bonus, and a points rebate that adds value to all of your AMEX points.
  • Read more here.

 

2. AMEX Consumer Platinum card: 80K bonus points for spending $6,000 in 6 months. Read more here.

  • Signup bonus value: Redeem your 80K bonus points for $800 of airfare ($1,232 if you also have a Business Platinum) or transfer to potentially lucrative airline and hotel partners like Air Canada, Delta, Avios, Lifemiles, Singapore, Virgin Atlantic, and more, plus take advantage of frequent transfer bonus offers. 
  • Spend categories: Earn 5 points per dollar on up to $500,000 of annual flight purchases and 5 points per dollar on hotels booked via AMEXTravel.com. There are no foreign transaction fees.
  • Annual spend credit: $200 airline fee credit. $200 hotel credit booked via AMEX FHR. $189 CLEAR credit. $200 Uber/Uber Eats credit ($15 per month, $35 in December).  $100 Saks credit ($50 per half year). $240 entertainment credit ($20 per month). $300 Equinox credit ($25 per month).
  • Notable benefits: Free Walmart+ membership. Free Paramount+ subscription. Global Entry/TSA PreCheck credit for both primary and free additional card users. Uber VIP status. Hilton Gold and Marriott Gold elite status. Unlimited free Centurion, Delta, Plaza Premium, Priority Pass, Lufthansa, Escape, and Airspace lounge access. Return protection. Cell phone protection.
  • Annual fee: $695.
  • Bottom line: A hefty fee which is offset by a plethora of credits, a strong signup bonus, and an excellent spend bonus on airfare.
  • Read more here.

 

3. Marriott Bonvoy Brilliant AMEX: Limited time offer (Ends 1/11/23): 150K bonus points for spending $5,000 in 3 months. Read more here.

  • Signup bonus value: Redeem your 150K bonus points on Marriott hotels. Aim for a value of 0.7 cents per point, or $1,050. Or transfer 60K points into up to 27.5K airline miles.
  • Spend categories: Triple points on airfare and dining, 6 points per dollar on Marriott. There are no foreign transaction fees.
  • Monthly spend credit: $25 on restaurants or restaurant delivery.
  • Anniversary bonus: Free 85K anniversary night.
  • Notable benefits: Free Platinum status. 25 elite night credits. Spend $60K to earn a choice award like another 85K night. Global Entry/PreCheck. Priority pass. Return protection.
  • Annual fee: $650.
  • Bottom line: A hefty fee which is offset by restaurants credits, elite status, and anniversary nights.
  • Read more here.

 

4. Blue Cash Preferred® Card from American Express: $250 cash back for spending $3,000 in 6 months

  • Signup bonus value: $350
  • Spend categories: 6% cash back on US supermarkets, up to $6,000 per year. 6% cash back on streaming, 3% cash back on gas and transit.
  • Notable benefits: Return protection. Get a $7 monthly statement credit when you spend $13.99 or more on Disney Bundle.  Get a $7 monthly statement credit on Equinox. 0% intro APR on purchases and balance transfers for 12 months, then a variable APR 16.24% to 27.24%.
  • Annual fee: Waived for the first year, then $95
  • If you don’t want an annual fee, consider the Blue Cash Everyday card.
  • Bottom line: Excellent cash back card for groceries and bonus categories and you can easily cover the cost of the annual fee and then some thanks to AMEX return protection.
  • Read more here.

 

5. AMEX Business Gold Card: 70,000 bonus miles for spending $10,000 in 3 months. 

  • Signup bonus value: Redeem your 70K bonus points for $933 of airfare thanks to the 25% points rebate with select airlines in coach or on all airlines in business/first ($1,078 if you also have a Business Platinum) or transfer to potentially lucrative airline and hotel partners like Air Canada, Delta, Avios, Lifemiles, Singapore, Virgin Atlantic, and more, plus take advantage of frequent transfer bonus offers. 
  • Spend categories: Earn 4 points per dollar on up to $150K annually in your top 2 categories each month, including Airfare, U.S. purchases for advertising in select media (online, TV, radio), U.S. purchases made directly from select technology providers of computer hardware, software, and cloud solutions, U.S. purchases at gas stations, U.S. purchases at restaurants, including takeout and delivery, U.S. purchases for shipping. There are no foreign transaction fees.
  • Notable benefits: 25% points rebate with select airlines in coach or on all airlines in business/first.
  • Annual fee: $295.
  • Bottom line: A hefty fee, but much lower than the Platinum fee for a strong signup bonus and a points rebate that adds value to all of your AMEX points.

 

6. AMEX Consumer Gold Card: 60,000 bonus miles for spending $4,000 in 6 months. 

  • Signup bonus value: Redeem your 60K bonus points for $600 of airfare ($924 if you also have a Business Platinum) or transfer to potentially lucrative airline and hotel partners like Air Canada, Delta, Avios, Lifemiles, Singapore, Virgin Atlantic, and more, plus take advantage of frequent transfer bonus offers. 
  • Spend categories: Earn 4 points per dollar on restaurants worldwide with no cap, earn 4 points per dollar at US supermarkets on up to $25,000 in annual purchases, earn 3 points per dollar on airfare. There are no foreign transaction fees.
  • Annual spend credit: $120 Uber credit ($10 per month). $120 dining credit at GrubHub, Seamless, Wine.comGoldBellyMilk Bar, Cheesecake Factory, and select Shake Shack locations ($10 per month).
  • Annual fee: $250.
  • Bottom line: Strong spending categories on dining and groceries and a low annual fee if you can take advantage of the Uber and Dining credits.
  • Read more here.

 

7. Hilton Honors American Express Business Card Limited Time Offer (Ends 12/21): 130,000 bonus points for spending $5,000 in 3 months and 1 free night spending $10,000 in 6 months.

  • Signup bonus value: Redeem your 130K bonus points for Hilton stays. Aim for a value of 0.45 cents per stay for a value of $585. Use free nights at Hilton hotels worldwide from Waldorf Astoria hotels in Jerusalem to LA or Maui to the Maldives.
  • Spend categories: Earn 3 points per dollar everywhere, 12 points per dollar at Hilton hotels, and 6 points per dollar on U.S. gas stations, on U.S. purchases for shipping, on wireless telephone services purchased directly from U.S. service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at U.S. restaurants. There are no foreign transaction fees.
  • Notable benefits: Gold elite status. 10 free Priority Pass visits annually.
  • Bonus nights: If you spend $15,000 in a calendar year you will receive a free night valid for standard rooms at Hilton hotels worldwide. If you spend $60,000 in a calendar year you will receive another free night!
  • Annual fee: $95.
  • Bottom line: A great Hilton card for free nights, though the program has been plagued with devaluations and award availability at top hotels can be difficult to find.
  • Read more here.

Some of the cards above are business cards, but you may already have a business that needs a card to keep track of expenses. For example if your name is Joe Smith and you sell items online, or if you have any other side business and want a credit card to better keep track of business expenditures you can open a business credit card for “Joe Smith” as the business. You don’t need to file any messy government paperwork to be allowed to do that. Just be sure to select “Sole Proprietorship” as the business type and just use your social security number in the Tax Identification Number field.

If you have business paperwork you can apply under your business name. Otherwise, it’s critical to just write your own name as the business name if you are just applying for your own small business as a Sole Proprietorship that doesn’t have any business paperwork. You can then send in bills in your own name for verification.

If you’re like me and you run more than one business, you can signup for multiple of the same card for each business to manage each businesses expenses separately.

Chase cards with Ultimate Rewards are subject to 5/24 restrictions, meaning that you are not likely to be approved if you have been approved for 5 or more consumer credit cards in the past 24 months. Note that the Chase system automatically counts cards like authorized user cards and store cards as cards that count towards 5/24, but if you explain to Chase that those cards are merely authorized user cards or store cards they can manually approve you for a new card. You can check your credit report for free at the federally authorized annualcreditreport.com to check how many accounts are shows as being open in the past 24 months.

However, it’s important to note that business cards from most banks, including Chase business cards, do not get added to your 5/24 count of recently opened cards. That’s because business cards from most banks don’t show up on your personal credit report and the 5/24 count is based off of your personal credit report. That means that applying for these cards won’t “hurt” your 5/24 count.

Another benefit of the card not reporting on your personal credit report is that when you spend money on personal cards your credit score will be hurt even if you pay your bill on time. A whopping 30% of your credit score is based on credit utilization. You can pay off your card bill before your statement is generated to avoid that, but that takes effort and laying out money well before you have to. Additionally it’s good to have the statement close with a couple dollars to show the card is active and being paid every month. On an business cards from banks like AMEX and Chase it’s just not reported, so you can wait until the money is due without it having a negative effect on your score. That also means if you close the card, it won’t have an effect on your credit score.

Which cards will you apply for?

Leave a Reply

80 Comments On "These Are The Best 3 Credit Cards To Sign Up For Right Now!"

All opinions expressed below are user generated and the opinions aren’t provided, reviewed or endorsed by any advertiser or DansDeals.

Heinz

Bookmarked

kivabb

II got this when applying for Chase Biz card: Offer Unavailable. The information you requested is no longer available.

Is that a glitch and should I apply again? Or wait?

Avi

Any prediction if the new Chase Ink Business Premier will eventually allow points to transfer to airline points like other UR points.

Ben

Any word on sapphire bonus going up again? coming up to 4 yr soon

ZD

Recently got a second citi premier and downgraded the original to the rewards +. But Amex is disappointing. The benefits and credits for the most part are useless to me making the AF ridiculously high. ($695 for the platinum?!? I don’t go to equinox and my wife doesn’t shop at Saks.) And I hate the $10 monthly credits.
The only one I’d considering the gold for 4 points on groceries. But is that worth $295 when I get 3 points with my $95 citi premier?
I find the premier offers the best benefits for daily spending (3 on groceries, gas, restaurants, etc)

AE

Depending on your spend:
Blue Cash Preferred. Cash-back, not points. $95 AF. 6% back on up to $6K of groceries. Effective 4.4% back if that is your only spend. Also, 3% on gas & transit (unlimited).
Blue Cash Everyday. Cash-back, not points. $0 AF. 3% back on up to $6K of groceries. Also, 3% on up to $6K of gas.

Get both and you have an effective 3.7% on $12K of groceries per year.

AE

I got a targeted offer for 75K points to open a 2nd Blue Business Plus card. Requires a $15K spend within 1 year. You can bet I got that one! Plus, they are offering 5K points (up to 5 times) for opening an employee card and spending $1K within 90 days.

Add to that the 30K point signup bonus from the bus checking account offer, and this has been a very good month. (130K Amex points from signup bonuses!)

KMC

@Dan
any concern over the credit card competition act from Sen. Durbin? It is an anti Visa/Mastercard Bill that exempts Discover, of course, because its an Illinois company. Supermarket trade groups are really pushing it. It could really hurt the points game.

The only thing worse than an imperfect free market with aggressive anti-competitive businesses is “anti-competitive” regulations…..

Israeli

Need to replenish my Chase situation. Any news on them bringing back the 100k for the Preferred card?

mf1

Is there a reason for the order of cc companies ?

Mikey

I have an Amex Business Platinum coming up for renewal. Does it make sense to drop the business card and signup for the Platinum Consumer card in order to receive the sign-on bonus?
How long would I need to wait for a sign-on bonus afterwards if I re-apply for an Amex Business Platinum?

Chaim

If I have a premier shouldn’t I downgrade to rewards card and reapply for a premier instead of applying for a rewards card?

tal k

its all well and good but i cant use MC in costco!

Gemarakop

Thanks Dan for your site used your city premier link

VVF

Any words on United Airline cards giving extra bonus miles offer? They stopped it not so long ago but maybe they bring it back

CF

Hi Dan,
Thanks for your great site! Any way to transfer points from United Explorer Mileage Plus Account to Ultimate Reward Points? Thanks!

Yosef

Hey Dan! Will I get the signup bonus for the Citi Rewards+ Card if I took out the premier 13 months ago?

New2thegame

Is there any reason that I can’t use PayPal to send money to a family member in order to reach a spending threshold? Would that be flagged by the bank if they realize that I’m essentially paying myself?

Chaim

Dan, I got a ink cash card last month, is there a risk of chase shutdown if I apply today for the ink premier card?

H

If I have 3 inks already & 5 personal chase cards, great CR, am I better off closing one or two of the inks before applying for a new one or it shouldn’t affect my auto approval?

Zaltz

Is there any risk of being shut down if I reload my Amazon balance with $0.50 200 times a day with the rewards+?

Jew

Yes

G_Manush

Hi Dan,
If I received the bonus for the Citi Advantage AND CitiBusiness AAdvantage Platinum World Mastercard, will I be able to sign up and get the bonus for the Citi AAdvantage Executive World Elite Consumer Mastercard??

Gg

Would like to apply for 2 or 3 cards of the chase biz, what the best way of applying? 3 browsers or?

mergs

How many chase biz cards would you risk doing at once for the same business?

jack

What about the IHG Cards?

Elaine

Hi,

Just want to share some info about my experiences with Citi Premier card customer support. Without thinking I accepted an email that offered to upgrade my rewards +card to a Premier one, I accepted and while waiting I realized, what I dumb move that was, I gave up the opportunity for the 80,000 bonus points. So when the card came I did not activate but I called customer support. That’s were the fun began. I never, ever dealt with a legit business that told out and out lies to their customers. Lies I was told: Citi Premier is not offering 80,000 points anymore and both agents I spoke to seemed quite mystified as to how I could have thought that there ever was such an offer. Lie 2, you have to wait 48 months before you can get another bonus (3rd agent), and today I was told that once you have gotten one thank you points card bonus you can not get another ever (5th agent). The 4th agent was actually helping until the final step when all of a sudden there was no supervising agent who was authorized to help and I should call back the next day.

So, is it possible to get the Premier bonus if I apply for the card if I never activated the Premier card that they offered to me (did not apply for)?

Mendy

I already have the chase ink business cash card and I like to apply for a new Ink business cash card to get the bonus points.
Do you recommend that I close the card that I currently have before applying for a new card or it’s not necessary? What I have a better chance of getting approved by closing the card first?

Malki

Can I apply for a business card without having a business

JB

Is it possible to get a southwest cc sign up bonus if I have already got one in the past? Is it possible if I sign up for a different card then i did before? I am guessing no because that would make it too easy to get a companion pass

Dan\'s the Man

Looking for a sign up bonus to help pay for an expensive car rental in Israel. Does the Citi Piemerr have car rental coverage in Israel? If I use the card would I be able to use the points from the sign up bonus as a statement credit to help pay for the car rental?

Assuming the answer to both these questions are yes I’ll use your link to apply. Thanks Dan!

Cc open

Can u please put in the post regarding foreign transaction fees if there are and on which cards pary of the info
Thnx a million got hundreds of thousands of points and deals cause ur site

Judi

When can you cancel a credit card without consequence?

Mdv

How long do you have to wait between ink bonuses

Sammy

Hello. How can I know if I am eligible for bonus of if past bonuses preclude eligibility? I’m focused on Citi, Amex and venture?

Dan\'s the Man

Dan- Yesterday I applied for the Citi Premier, the Venture card, and a Chase Ink. I got denied for the Citi Premier and approved for the Venture and Ink. Today I got an email from Citi saying I was denied because I use too little of my available credit. I have many credit cards so I do have a lot of available credit but I never knew this would cause a denial. I guess it’s something just Citi is doing? My FICO is 800+ (which is helped b/c I have such a low credit utilization).

Jonathan

If I currently have the Chase Ink Cash credit card, and it has been 24 months since I have received the sign-on bonus (held the card for 2 years), can I cancel the card? And then apply for the card to get the new sign-on bonus?

Eliyahu

Can I get a Chase business card and not have it in the same login as my personal cards (so other members of the business can use too)?

Jack

So confused why the is the Citi card such a good deal, the benefits are not good, transfer partners are not amazing….

Jack

Chase Ink business unlimited versus Chase Ink business cash?

Which one?

menachem

I applied for the ink cash business using my personal name as the business name like you wrote they asked for these two things:1 Proof of physical address for authorizing officer
2 Proof of physical address for business I don’t really have any of them unless I can just use a regular utility bill or bank statement? any recommendations?

yidi

can I apply for both (business cash/unlimited) chase cards and get tew times the welcome bones at once?

wpDiscuz