These are the best credit-card offers available right now, in my opinion. I’ll give you the quick rundown of why each card is worth considering below!

If you’re ready to get going earning points for almost-free travel in 2024 and don’t have a particular “next card” in mind, one of these is probably going to be your best bet. Each card is linked to the best publicly available offer so you know you’re getting the most points you can get!

Personal Cards

American Express Gold: This card earns 4x at grocery stores and restaurants and has a higher-than-normal bonus right now of 75,000 points instead of 60,000. The spending requirement isn’t bad, either: $6,000 within six months. This is one of my workhorse cards that I use every single time I go to the grocery store and I keep it from year to year. A solid choice.

American Express Hilton Honors Aspire: This card earns 180,000 Hilton Honors points, which is higher than normal (normal being 150,000 points). But the best part is that you get an annual free night award with this card and you can use that at ALL kinds of Hiltons. Even extra-fancy ones that normally cost $1,000 or more per night. That makes this card really intriguing! I don’t normally bother with Hilton, but the free night award makes me tempted.

Business Cards

These first three cards all have best-ever bonus offers right now! If you haven’t gotten at least two of these at this point, what are you waiting for? It’s super-easy to qualify as a small business according to the banks’ own rules, so don’t let the fact that these are business cards dissuade you if you don’t think you actually have a small business. These first three are my all-around top card recommendations right now just because they’re SO GOOD.

Chase Ink Business Cash: No annual fee, 90,000 points you can turn into Ultimate Rewards points just by transferring them to a premium Chase card (either this one, this one, or this one), and you get 5x at office-supply stores and in other categories that make it easy to really rack up extra points. 

Chase Ink Business Unlimited: No annual fee, 90,000 points you can turn into Ultimate Rewards points, and and you get 1.5x on every dollar spent! If you want a no-brainer card that will earn you a ton of points no matter what you’re spending on, you can’t go wrong with this one. 

Chase Ink Business Preferred: Low annual fee ($95), 100,000 Ultimate Rewards points, and this is one of those premium Chase cards that enables you to transform your “cash back” points from the no-annual fee cards into Ultimate Rewards points, which can then be transferred to travel partners. Getting 100k Ultimate Rewards points for $95 and being able to transfer to airlines and hotels is an OUTSTANDING offer. And the required spending to unlock the bonus 100k is lower than normal: $8k instead of $15k. Snap this up! 

American Express Business Gold: The annual fee on this one is going up on February 1, 2024, from $295 to $375, so if you’ve had your eye on this one, now is the time to apply. 130,000 Membership Rewards points and you earn 4x from the top two qualifying categories you spend in during the year. I got this one recently so I could avoid paying the higher annual fee later this year. 

And as always, I always have all the best offers available on my Best Offers page. Be sure to bookmark it and you’ll always know just where to look to be sure you’re getting the most points for your new card applications! 

Personal note: I truly appreciate any time you use my links instead of just googling to find the banks’ links because then I earn a small commission instead of the bank just keeping that. And using my links doesn’t change the card offer or cost you anything. You still get the same great bonus offer and the same great card!

Your support by applying with my links means so much to me and helps me to continue providing miles-and-points advice! I appreciate your support! 🫶