Bank Rewards Cards

Below are my ratings of the TOP BANK REWARDS CARDS. 

To apply for these cards and get details on annual fees, foreign transaction fees, churnability, and other factors that influenced my ratings, head on over to my favorite credit card referral site, Million Mile Secrets.

Overall score = (sign-up bonus (value + ease) + everyday usage) Bank and card Total sign-up bonus Minimum spending requirement
21 7 5 9 Chase Sapphire Preferred Personal Visa (Ultimate Rewards) 40,000 points $3,000 in 3 months
21 7 5 9 Chase Sapphire Preferred Personal MasterCard (Ultimate Rewards) 40,000 points $3,000 in 3 months
18 1 9 8 Chase Freedom Visa (Ultimate Rewards) 10,000 points $500 in 3 months
18 8 3 7 American Express Gold Business (Membership Rewards) 50,000 points $5,000 in 3 months
17 8 1 8 Chase Ink Plus Business (Ultimate Rewards) 50,000 points $10,000 in 3 months
17 8 1 8 Chase Ink Bold Business (Ultimate Rewards) 50,000 points $10,000 in 3 months
15 3 5 7 American Express Platinum (Membership Rewards) 25,000 points $3,000 in 3 months
13 3 5 5 Citi Thank You Premier 25,000 points $2,500 in 3 months
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One thought on “Bank Rewards Cards

  1. Hi Mike,

    B and I are trying to decide which credit card we should use for our day to day spending. I see your ratings in the table above, but I’m wondering how you calculate the everyday usage column. For example, the United Milage plus gives me one point on the dollar with double points for ticket purchases, while the Chase Sapphire gives one point with double on the all restaurants and travel … so the Chase is a better deal. Would you go with the Chase card, or there a card you think is better for day to day?

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