My Favorite Credit Card Offers for January

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Right now there are a ton of increased credit card sign up offers available! Below is a recap of my personal favorite credit cards and offers for the month of January.

100,000 Hilton Honors Points

Key Links: Blog PostYou can learn more about hotel credit cards here. You can apply directly for the business version of the Hilton card here.

With the launch of the new Hilton American Express credit card came brand new offers. Out of the now four Hilton co-branded credit cards, I believe the Hilton Honors American Express Business Card and the Hilton Honors Ascend currently have the best offers where you can earn up to 100,000 bonus points. *Terms Apply. See Rates & Fees

The business version of the card is a brand new card which means everyone is eligible for the welcome bonus. The personal version of the card, however, is a rebrand from the Hilton Surpass card, so if you’ve had that card in the past, unfortunately you will not be eligible for the welcome offer again due to American Express’s once is a lifetime rule.

With both cards you’ll earn Gold status as long as you are a cardmember. This will give you complimentary breakfast, and based on availability a room upgrade and concierge floor access. Also, Gold status will give you your 5th night free on award redemption.

Also if you are able to spend $15,000 in purchases on your card in a calendar year, you’ll receive a free weekend night reward certificate. This certificate is valid at almost all Hilton properties regardless of category or price. There just needs to be a standard room available and it has to be on a weekend. You can also earn this certificate every single year – it is not just a one time offer.

$500 Cash Back

Key Link: Blog Post; Application LinkSimplyCash® Plus Business Credit Card from American ExpressWith the SimplyCash Plus® Business Credit Card from American Express you’ll earn up to $500 cash back -> Earn a $250 statement credit after you spend $5,000 in qualifying purchases on your Card within the first 6 months of Card Membership. Plus, earn an additional $250 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership. This is the highest welcome offer we’ve seen for the card.*Terms and limitations apply. See Rates & Fees

This is a great no annual fee card where you can earn a good number of points on some popular purchases. You’ll earn: 5% cash back at US office supply stores and wireless phone services purchased directly from U.S. wireless providers; 3% cash back at a category of your choice (for example, you can select 1 out of 8 categories, some popular ones include airfare purchased directly from the airline, hotel room purchased directly from the hotel, U.S. gas stations, U.S. restaurants, etc.). You are capped at earning 5% and 3% cash back on purchases up to $50,000 per calendar year. After that you earn 1% cash back on on those category purchases.

Overall, this is a great cash back offer for a no annual fee credit card! Typically credit card sign up offers that give you money in your pocket (instead of points/miles) and do not come with a yearly charge have a far less sign up bonus. With that being spend, the minimum spend to earn the points is high, but you do have a good portion of the year to hit the threshold. If you are in the market for a no annual fee cash back card with a nice sign up bonus, I highly recommend this card. It also does give you a nice return on some common purchases based on the category you select. Also, this card DOES NOT go against Chase’s “5/24” rule since it is a business card. None of American Express business cards currently count against Chase’s “5/24” rule.

60,000 American Airline Miles

Key Links: You can learn more about airline credit cards here

All three cards are offering a high sign up bonus where you can earn 60,000 bonus miles. That means you can earn a total of 180,000 American Airline miles if you apply and are approved for all three! The two Citi cards come with no annual fee for the first year and then a $95 annual fee thereafter. The Barclaycard version comes with a $95 annual fee that is NOT waived the first year. With that being said the two Citi cards require a minimum spend to meet the sign up offer where the Barclaycard version just requires you to make a single purchase do earn the miles.

The real benefit of this card, aside from the sign up bonus, is that if you are a cardmember you’ll receive 10% back of the miles redeemed for the year. Although you are capped at 10,000 miles per year. If you redeem a ton of miles per year, this rebate will make up for the annual fee. With these cards you’ll also get free checked bags and priority boarding.

Remember, with Citi cards you are not able to receive a sign up bonus if you’ve had the same card in the past 24 months (even if it has been canceled). Citi does not allow you to be approved for more then 2 of their cards within a 60 day period and more then 1 card per week. So if you are looking to apply for both of the Citi cards make sure to wait 8 days between.

75,000 Marriott Points

Key Links: Blog PostYou can learn more about hotel credit cards here

With the Marriott Rewards® Premier Credit Card you’ll earn 75,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening. This is a new offer for the card where the annual fee is waived (then $85/year). There are a few other sign up offers as well, but the 75,000 point offer is probably the most popular one – you can read about the 3 different offers here. Also, if you prefer Starwood hotels, you can transfer your Marriott points to Starwood at a 1:3 ratio.

Similar to the other travel credit cards above, this card also comes with a free night certificate every single year which you are a cardmember (starting with your first anniversary year). The free night certificate is limited to a category 1-5 property, so it is restricted but you should not have a problem getting at least a $85 value out of the free night.

Card benefits include:

  • Category 1-5 free night certificate every year
  • 15 nights a year towards status, which gives you automatic Silver status
  • Earn 1 night towards status for every $3,000 you spend on the card

80,000 Chase Ultimate Reward Points

Key Links: Blog Post; Application link

With the Chase Ink Business Preferred card you’ll earn 80,000 Chase Ultimate Reward points after you spend $5,000 on the card within the first 3 months. This is one of the best credit card offers out there right now and the highest way to earn Chase Ultimate Reward points. With Chase points, you can either use your points to book through their travel portal where 1 point is worth a fixed 1.25 cents towards your trip or you can transfer your points to their travel partners such as Hyatt, Marriott, United, British Airways, Korean Air. The 80,000 points is worth a MINIMUM of $1,000 towards travel!

Card benefits include:

  • Earn 3x points (up to $150,00 spend) on: Travel; Shipping purchases; Internet, cable, and phone services; and Advertising purchases made with social media sites and search engines
  • Cell phone insurance if you use this card to pay for your monthly cell phone bill. If something happens to your phone, you’ll receive up to $600 in protection per claim against damage or theft. This for you and any other lines listed on your bill! You are also eligible to put in three claims per a 12-month period. There is, however, a $100 deductible.

50,000-60,000 Southwest Points

Key Links: Blog PostSouthwest Airlines Rapid Rewards Plus Card Application LinkSouthwest Airlines Rapid Rewards Premier Card Application LinkSouthwest Airlines Rapid Rewards Business Premier Card Application Link

Both the Southwest Airlines Rapid Rewards Plus Card and the Southwest Airlines Rapid Rewards Premier Card (the two personal version cards) are offering 50,000 points after meeting the minimum spend, while the Southwest Airlines Rapid Rewards Business Premier Card (the business version is offering 60,000 points – both are great offers for this card and a good time to apply (read below!).

The absolute best part of the credit card is that the points earned count towards the Southwest Companion Pass. To earn the Companion Pass you need to earn 110,000 qualifying points within a calendar year. So if you were to apply for one personal and one business card (yes, you can have both!), that will give you 110,000 points right off the bat! Or if you are only eligible for the personal cards (yes, you can have two different personal cards as well!), that will give you 100,000 points leaving you only 10,000 points shy to earn the pass! The Companion Pass allows someone to fly with you an UNLIMITED number of times fore FREE (plus taxes) for the life of the pass. The Companion Pass expires December 31st the following year after you earn it. So if you were to earn the pass in February 2018 that means the pass will not expire until December 31, 2019! About 23 months of having a companion fly with you for free!

Disclosure: This post contains affiliate links. Thank you in advance for supporting the blog and enjoy traveling on a deal!

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