In addition to paying all expenses possible on a credit card, it is important to make sure you are using cards that earn extra
points on bonus categories when possible.
Gold card authorized users can earn up to 5x
points on bonus categories, which will be credited to the master account.
If you're not really going to use the Priority Pass membership, if you rarely stay at hotels for more than 2 - 3 nights at a time and if you don't really rack up ThankYou
points on the bonus categories on offer then you're not someone who's going to maximise the value of this card
With each purchase, you'll typically earn a hand full of points on hotel purchases with that respective hotel, 2 to 3 bonus
points on bonus categories, and then fewer points on everyday purchases.
You should still use a card such a the Chase Sapphire Preferred ® Card that earns more valuable
points on bonus categories such as dining and travel when abroad.
You should still use a card such a the Chase Sapphire Preferred ® Card that earns more valuable
points on bonus categories such as dining and travel when abroad.
Not exact matches
If you already have Ultimate Rewards - earning cards like the Sapphire Preferred, the Sapphire Reserve, or the Ink Business Preferred, this is the best way to maximize your
points earning
on all your spend that doesn't fall into the other card's
bonus categories.
The Citi ® Double Cash Card — 18 month BT offer is one of the best rewards cards
on the market, partly because it's so simple: straight cash back — no
points, no
bonus categories to keep track of.
Credit cards that earn Chase Ultimate Rewards have lucrative
bonus categories on top of their sign - up
bonuses, which make them ideal for earning
points for your next trip to Hawaii.
The
bonus categories and
points are the same, but the maximums
on the special
categories are different: the Ink Plus
category cap is twice that of the Ink Business Cash ℠ Credit Card.
You will earn 3X
points per dollar
on the first $ 150,000 in combined spending across these
bonus categories.
The FlexPerks Amex has one extra
bonus category that cardholders can earn a total of two
points on, and that is restaurants.
For those consumers whose spending in these three
categories is seasonal, the FlexPerks Travel Rewards credit card will automatically adjust to reward a
bonus point on the highest
category that month.
The Chase Freedom ® can earn you 5
points per dollar
on up to $ 1,500 in combined purchases in
bonus categories each quarter.
Simply enter your company's estimated monthly expenditures by
category, and our calculator will output our estimates for each card's 2 - year value — this is based
on factors such as
point / mile value,
bonuses, and annual fees charged.
The FlexPerks Amex has one extra
bonus category that cardholders can earn a total of two
points on, and that is restaurants.
For those consumers whose spending in these three
categories is seasonal, the FlexPerks Travel Rewards credit card will automatically adjust to reward a
bonus point on the highest
category that month.
The Citi ® Double Cash Card — 18 month BT offer is one of the best rewards cards
on the market, partly because it's so simple: straight cash back — no
points, no
bonus categories to keep track of.
While we have been focusing
on ways to earn
points utilizing the
category bonuses on the card, we've been ignoring ways to earn
points that are independent of these.
Besides the 2x
on AA purchases, you also get
bonus points in popular business
categories like telecommunication services, car rentals, and gas stations.
The Chase Freedom ® awards 5
points per dollar
on up to $ 1,500 in combined purchases in
bonus categories each quarter you activate.
For example, if you get the no - annual - fee Chase Freedom ®, you can earn 5
points per dollar
on up to $ 1,500 in combined purchases in
bonus categories each quarter you activate.
Chase Freedom ® Rewards: 5 UR
points per dollar
on up to $ 1,500 in combined purchases in
bonus categories each quarter you activate; 1
point per $ 1 everywhere else
While the highest rewards
category has a 3 % rewards rate, cardholders receive a 25 %
bonus on their
points when the
points are used to book travel through the ThankYou Travel Center — boosting the value to 3.75 %.
For example, the Chase Freedom ® earns 5X
points on up to $ 1,500 in combined purchases in
bonus categories each quarter.
This card is another solid no annual fee travel credit card where you don't have to worry about remembering your
bonus categories - you get 1.5
points for every dollar
on every purchase.
We think its big selling
point is a cash back rewards program that offers Cardmembers 5 % cash back
on up to $ 1,500 in combined purchases in
bonus categories each quarter you activate, new 5 %
categories each quarter, unlimited 1 % cash back
on all other purchases.
Charities that disclosed their CEOs» exact salary
on our questionnaire were awarded one
bonus point in this
category.
You get 5
points per dollar
on up to $ 1,500 in combined purchases in
bonus categories each quarter you activate; all other spending get you just one
point per dollar.
Get 5
points per dollar spent
on select rotating
bonus categories.
There's no cap
on the number of
points you can earn, and thanks to the card's
bonus categories, you'll be earning
points quickly.
Besides its $ 150 sign - up
bonus (same requirements as the Chase Freedom Unlimited), its biggest selling
point is its cash back rate of 5 %
on select
categories of purchases which rotate quarterly, and 1 % back
on everything outside of those
categories.
Credit cards that earn Chase Ultimate Rewards have lucrative
bonus categories on top of their sign - up
bonuses, which make them ideal for earning
points for your next trip to Hawaii.
The
bonus categories and
points are the same, but the maximums
on the special
categories are different: the Ink Plus
category cap is twice that of the Ink Business Cash ℠ Credit Card.
It has a reasonable $ 95 annual fee, a 40,000 -
point sign - up
bonus and great
bonus earning
categories on purchases.
Most cards earn a base of one
point per dollar (1x
points) and then have a
bonus category or two
on top of that.
You earn
bonus points on up to $ 100,000 in purchases per
category per year (then 1x
points).
Overall, the Q1
bonus categories should make it easy to rack up a bunch of
bonus points because many people need to buy gas, at least
on occasion, and there are many stores that allow you to pay with mobile payment systems like Apple Pay.
Similar to other credit card rewards, most travel rewards credit cards allow you to earn unlimited, flat - rate
points or miles
on every purchase, and a variety of cards also offer
bonus points or miles for purchases in specified
categories.
As with cash back rewards, most rewards
points credit cards will provide an unlimited flat rate
on all purchases, typically 1X
point per $ 1, as well as offering
bonus points on purchases made in specific
categories.
The
points available to earn
on the
bonus categories are worth up to $ 5,625 when redeemed for travel through the Chase Ultimate Rewards portal.
If this is the ideal
bonus category for you, you could earn 2X
bonus points on up to $ 30,000 in spending from HP.com, which would give you 60,000
points.
Just keep an eye
on the rotating
bonus categories and make sure you only use the Freedom card when you'll earn
bonus points.
You'll still earn one
point per dollar
on purchases that don't fit into either of the
bonus categories.
It earns you Earn 5
points per $ 1
on up to $ 1,500 in combined purchases in
bonus categories each quarter you activate.
Our favorite combination is Chase Sapphire Preferred (2x
points on travel and dining) and the Chase Freedom (5 % for
bonus categories).
So you can use it to get more
points on those purchases (when they don't overlap with the Freedom's
bonus categories).
Click
on a link in the tables above to find out how many
points you can earn from the current welcome offers and see the
bonus categories for each card.
Specifically, we're eyeing the three
points per dollar spent
on up to $ 150,000 in purchases in the
bonus categories.
While the cards don't earn 2X
points on everything (like the Barclaycard Arrival Plus ® World Elite Mastercard ®), they do have some good
bonus spending
categories, annual
points bonuses, plus extra perks like travel discounts.