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This is 100% the card I recommend you begin with if you're new here. In fact, if you've had this card for 48 months, I'd recommend you downgrade it to a no annual fee card and apply again!! It earns great rewards and has my FAVORITE travel partners

Amber's Thoughts:

This card has a larger minimum spend but the rewards are huge. We opened this card when we were buying a new couch. That combined with normal spending allowed us to earn a HUGE chunk of points which we eventually transferred to Hyatt (our favorite transfer partner).

Amber's Thoughts:

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This is the big brother premium card to the card I consistently recommend to beginners. 

First of all - i'm always excited when a new credit card is created! 

the downside to this is a large annual fee at $795 - however, the perks are worth over $2700. The real question is - will you use the perks? The $300 annual credit is extremely easy to use by booking in chase travel. 

If the Global entry/Precheck, lounge access, dining credit and Apple TV/Apple music (and more) perks speak to you, it may be worth getting for at least a year!

Amber's Thoughts:

First of all - i'm always excited when a new credit card is created! this is a huge minimum spend but for many of you business owners you can easily hit this. if you average $5k of spending each month for 6 months, it'll be no problem for you.

chase points are my favorite points due to the great travel partners. Hyatt, southwest, united, Flying blue, and more!

the downside of this card is the large annual fee. There are great perks, including a $300 annual credit. That makes the $795 annual fee more like a $495 annual fee.

you'll have to decide if the other perks make the annual fee worth it for you! 

Amber's Thoughts:

Amber's Thoughts:

The annual free night certificate makes this a keeper card for us. In fact, Devin and I both typically have this card because the free night certificate more than covers the cost of the annual fee. Keep in mind that you are not eligible to receive this bonus if you have received a bonus on another Marriott Bonvoy branded credit card in the last 24 months. We have both received this welcome offer multiple times!

Another Great Starter Card! This card earns 2x points on all purchases. It also has great airline travel partners! We have transfered points to Flying Blue (AirFrance/KLM) for multiple trips to Europe!

Amber's Thoughts:

I 100% keep this card for lounge access. In fact, this is the ONLY card that I have added my husband as an authorized user. Each cardholder is allowed to bring 2 additional guests in airport lounges. This one card gets my entire family into airport lounges (which often have free food, drinks, wifi, and clean toilets. It's the little things, people).

Amber's Thoughts:

I’m always shouting from the rooftops the power of flexible point cards - but what happens when you have the basic ones? It’s time to venture out to cobranded cards. If you live near a United hub, this card is especially valuable! Highly recommend any time it’s elevated! 

Amber's Thoughts:

I will happily pay an annual fee for this card because it comes with an annual free night certificate. I know I can never get a night at a hotel room for less than the cost of the fee. I love 2 things about IHG - many of their hotel rooms sleep 6 AND the 4th night is always free when booked on points!

Amber's Thoughts:

This is a great no annual fee card. Don’t forget that many IHG rooms are family friendly and sleep SIX! Also, the 4th night is always free when booked on points!

Amber's Thoughts:

Amber's Thoughts:

The annual free night certificate makes this a keeper card for us. In fact, Devin and I both typically have this card because the free night certificate more than covers the cost of the annual fee. Keep in mind that you are not eligible to receive this bonus if you have received a bonus on another Marriott Bonvoy branded credit card in the last 24 months. We have both received this welcome offer multiple times!

It looks like a Cash Back Card! It IS a Cash Back card, UNLESS you have the Chase Sapphire Preferred® Card or the Ink Business Preferred® Credit Card. If you do, you can "combine your points" in your Chase account and use those rewards to transfer to travel partners!!! Game Changer!
 

Amber's Thoughts:

It looks like a Cash Back Card! It IS a Cash Back card, UNLESS you have the Chase Sapphire Preferred® Card or the Ink Business Preferred® Credit Card. If you do, you can "combine your points" in your Chase account and use those rewards to transfer to travel partners!!! Game Changer!

Amber's Thoughts:

It looks like a Cash Back Card! It IS a Cash Back card, UNLESS you have the Chase Sapphire Preferred® Card or the Ink Business Preferred® Credit Card. If you do, you can "combine your points" in your Chase account and use those rewards to transfer to travel partners!!! Game Changer!

Amber's Thoughts:

Amber's Thoughts:

This is a card that goes under the radar. Air Canada is in the same airline alliance as United - so you can often book United flights for less on Air Canada. Also, points can be used to "pay yourself back" for any travel expense" similar to those Capital One cards that we talk about all the time! This could be Airbnb's, cruises, train tickets, or Disney booked through a travel agent!

Card #1 to open to earn the Southwest Companion Pass! This is my favorite personal Southwest Card because it has the lowest annual fee! If you'd like to know more about the Southwest Companion Pass, click here (https://amberonpoints.com/southwest). Remember, do not hit the minimum spend until after January 1st!

Amber's Thoughts:

Another card that could help you earn the Southwest Companion Pass, if you were lucky enough to catch the an elevated offer on a personal card! If you'd like to know more about the Southwest Companion Pass, click here (https://amberonpoints.com/southwest). Remember, do not hit the minimum spend until after January 1st!

Amber's Thoughts:

Card #2 to open to earn the Southwest Companion Pass! If you'd like to know more about the Southwest Companion Pass, click here (https://amberonpoints.com/southwest). Remember, do not hit the minimum spend until after January 1st!

Amber's Thoughts:

Here’s the thing - IHG points aren’t generally worth as much as Hyatt points BUT when this card has an elevated offer, I’d say it’s totally worth it!! There are 2 reasons why I love this card. It comes with a complimentary free night on your card holder anniversary AND when you book 3 nights on points your 4th consecutive night is free. This is a business card so it doesn’t count against 5/24. Recommend!

Amber's Thoughts:

I will always have this card in my wallet! Whether you’re looking for your first good credit card or looking for an everyday spending card, this is for you! The Chase Freedom Unlimited® is a fantastic cash back card with excellent spending categories and no annual fee. BUT, it becomes even more valuable when paired with the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, or Ink Business Preferred® Credit Card. Why? If you have one of these cards, you can combine the rewards and they will Chase Ultimate Rewards®. This will allow you to use your points to transfer to hotel and airline partners. 

Amber's Thoughts:

Amber's Thoughts:

This card has a huge minimum spend and isn't for everyone! However, if you do have some huge expenses coming up, and you can qualify for a business card, this is a fantastic opportunity! This is a cash back card, however, if you have the Capital One Venture X Rewards Credit Card or the Capital One Venture Rewards Credit Card, you can convert the cash back to Capital One miles. 

a few more of my favorite cards

AMEX points are extremely valuable because of their travel partners. The kicker is that you have to work a bit to make the annual fee worth it. Recently updated to an annual fee of $695, It comes with up $200 airline fee credits, up to $200 annual hotel credits, up to $199 CLEAR® Plus, up to $300 Equinox Credit, monthly digital entertainment credits, lounge access, and a handful of other premium perks.

Amber's Thoughts:

The American Express® Gold Card is widely known as having some of the best spending category bonuses of any card on the market. Pair this with Rakuten for MR points instead of cash back!

Amber's Thoughts:

The Business Platinum Card by American Express has a high annual fee but tons of perks - so let's hope your business will pay for your annual fee. Lounge access, $200 annual airline incidental credit, and more. Once again, you do not need to own a “traditional business” to qualify for one.

Amber's Thoughts:

Whether you're advanced and already have all of these cards or you just want to see what else is out there. These are cards that I find value in. Some I keep and pay an annual fee on, but most come and go (meaning, I'll have them for a year or two and cancel them).

My Thoughts: I love pairing this with Rakuten for MR points instead of cash back! The real benefit of the American Express® Business Gold Card is the ability to earn 4x points on the spend categories where your business spends the most each month. Overall this is an excellent long term card for business owners.

Amber's Thoughts:

A great option with 2x earning rate on all purchases up to $50,000 annually (1x thereafter). This is a GREAT option if you want access to earn MR points through Rakuten without an annual fee.

Amber's Thoughts:

If you have a home renovation or some HUGE expense coming up, this is for you!! It comes with a high minimum spend, meaning this card will mostly target established business owners. This card boasts many of the perks of the Capital One Venture X Rewards credit card so I probably wouldn't simultaneously hold both.

Amber's Thoughts:

IHG has tons of vacation options from Holiday Inn Express (that sleeps 6!) to the bougie Kimpton properties. There are 2 reasons why I love this card. It comes with a complimentary free night on your card holder anniversary AND when you book 3 nights on points your 4th consecutive night is free. This is a business card so it doesn’t count against 5/24. Recommend!

Amber's Thoughts:

The best thing about this card is that it provides instant status at Hilton hotels -- and that means FREE BREAKFAST. Also, don't forget that when you book Hilton hotels on points, your 5th consecutive night is free.

Amber's Thoughts:

The best thing about this card is that it provides instant status at HIlton hotels -- and that means FREE BREAKFAST. Also, don't forget that when you book Hilton hotels on points, your 5th concecutive night is free.

Amber's Thoughts:


The best part about the Chase Freedom Flex® is that it has boosted rewards in rotating categories! Now - on its own, those points might not be that valuable to me BUT if you hold a chase sapphire, you are able to combine the points use by transferring to transfer partners and that is the GAME CHANGER. 

Amber's Thoughts:

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. For Capital One products listed on this page, some of the above benefits are provided by Visa® or MasterCard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply. 

EDITORIAL NOTE:
Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, hotel, airline or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included with the post.

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Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. For Capital One products listed on this page, some of the above benefits are provided by Visa® or MasterCard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply. 

EDITORIAL NOTE:

Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, hotel, airline or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included with the post.

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