Best No Annual Fee Starter Card
Chase Freedom Unlimited

Chase Freedom Unlimited

Annual fee: $0

Welcome offer

Earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening.

Key perks

  • 5% cash back on travel purchased through Chase Travel℠
  • 3% cash back at drugstores and restaurants, including takeout and eligible delivery
  • 1.5% cash back on all other purchases
  • 0% intro APR for 15 months on purchases and balance transfers
  • No annual fee
  • No minimum to redeem for cash back
  • Pairs with Chase Sapphire Preferred® to unlock point transfers to airline and hotel partners
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Best for Beginners
Chase Sapphire Preferred

Chase Sapphire Preferred

Annual fee: $95

Welcome offer

Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

Key perks

  • $50 annual hotel credit
  • Complimentary DashPass
  • $10 DoorDash promo each month on non-restaurant orders.
  • Earn 5x on travel purchased through Chase Travel℠.
  • Earn 3x on dining, select streaming services and online groceries.
  • Earn 2x on all other travel purchases.
  • Earn 1x on all other purchases.
Read my full review →
Best for Premium Travel
Chase Sapphire Reserve

Chase Sapphire Reserve

Annual fee: $795

Welcome offer

Earn 150,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.

Key perks

  • $300 annual travel credit — automatically applies to first $300 in travel purchases
  • $500 in annual The Edit hotel credits ($250 per booking, 2-night minimum)
  • $250 additional travel credit (2026 benefit)
  • $300 annual dining credit at Sapphire Exclusive Tables on OpenTable ($150 semi-annually)
  • $300 annual StubHub credits ($150 semi-annually, through 12/31/2027)
  • $288 in Apple TV and Apple Music subscriptions (through 6/22/2027)
  • $120 annual DashPass membership + $300 in DoorDash promos (through 12/31/2027)
  • $120 annual Lyft credits + 5x points on Lyft (through 9/30/2027)
  • $120 annual Peloton credits + 10x points on Peloton (through 12/31/2027)
  • Access to Chase Sapphire Lounges with 2 complimentary guests
  • Access to 1,300+ Priority Pass lounges worldwide
  • 8x points on all purchases through Chase Travel including The Edit
  • 4x points on flights and hotels booked directly
  • 3x points on dining worldwide
  • Global Entry or TSA PreCheck credit up to $120
  • Most comprehensive travel protections in the Chase lineup
  • Can now be held simultaneously with Chase Sapphire Preferred®
  • Points transfer to 14 airline and hotel partners including World of Hyatt
Read my full review →
Traveling Business Owners
Ink Business Preferred Credit Card

Ink Business Preferred Credit Card

Annual fee: $95

Welcome offer

Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

Key perks

  • 3x points on travel, shipping, internet/cable/phone, and social media and search engine advertising (up to $150,000 in combined purchases per year, then 1x)
  • 5x points on Lyft rides through September 30, 2027
  • 1x points on all other purchases with no limit
  • Points transfer to 10 airline and 3 hotel partners at 1:1 including World of Hyatt, United, Southwest, and Aeroplan
  • Complimentary DashPass membership -- $0 delivery fees on eligible orders. Activate by December 31, 2027.
  • Up to $10 off monthly on non-restaurant DoorDash orders
  • Cell phone protection up to $1,000 per claim (max 3 claims per 12 months, $100 deductible)
Read my full review →
Best for No Annual Fee Business Card
Ink Business Unlimited Credit Card

Ink Business Unlimited Credit Card

Annual fee: $0

Welcome offer

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening

Key perks

  • Earn $750 bonus cash back (75,000 points) after $6,000 spend in first 3 months
  • 1.5x Chase Ultimate Rewards® points on every business purchase
  • 5% cash back on Lyft rides through September 2027
  • 0% intro APR for 12 months on purchases
  • No annual fee
  • Free employee cards with spending controls
  • Points combine with Chase Sapphire Preferred®, Sapphire Reserve®, and Ink Preferred®
  • Doesn't count toward 5/24
  • Once per lifetime welcome offer — wait for an elevated offer if possible
Read my full review →
Best for Hyatt Loyalists
The World of Hyatt Credit Card

The World of Hyatt Credit Card

Annual fee: $95

Welcome offer

Earn up to 60,000 Bonus Points — 30,000 Bonus Points after spending $3,000 in the first 3 months, plus up to 30,000 more Bonus Points by earning 2 Bonus Points per $1 spent on purchases that normally earn 1 Bonus Point in the first 6 months (on up to $15,000 spent).

Key perks

  • Annual free night certificate at any Category 1-4 Hyatt property after card anniversary
  • Up to 9x total points per $1 at Hyatt hotels (4 Bonus Points + up to 5 Base Points as a member)
  • 2x Bonus Points at restaurants, on airline tickets purchased directly, local transit, and gym memberships
  • 1x Bonus Points on all other purchases
  • 5 tier qualifying night credits toward elite status every calendar year
  • 2 additional tier qualifying night credits for every $5,000 spent
  • Extra free night at any Category 1-4 property after $15,000 in calendar year spending
  • Automatic World of Hyatt Discoverist status
  • Complimentary DashPass membership through 12/31/2027
  • No foreign transaction fees
  • Points don't expire as long as your account is open
Read my full review →

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