February 28, 2024

The 10 Best Credit Card Offers for Travelers in January 2024

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The 10 Best Credit Card Offers for Travelers in January 2024
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Getting ahead with travel credit cards is all about timing: Opening a card when the welcome bonus is at its highest is what it’s all about. If you’re in the market for a new travel credit card right now, this is the place to start.

Just as we do every month, we’ve assembled a list of the best credit card offers for January 2024 that are currently available – and everything you need to know if you are thinking about taking advantage. As you’ll see, a handful of banks are out with some eye-popping bonuses on their best travel cards this month. Some of these offers are mainstays while others are only available for a limited time and won’t last much longer, so it could pay to act fast.

But remember: Credit cards are serious business. You should never apply for a credit card if you’re already in debt, and never charge more to a credit card than you can afford to pay off immediately. However many points and miles you can earn, they’re not worth it.

For more information on the best current offers, make sure to head to our Top Credit Cards page.

 

1. The Chase Sapphire Preferred® Card

Current Offer

The *chase sapphire preferred* is currently offering 60,000 Ultimate Rewards points after spending $4,000 in the first three months of card membership. Those points are worth a minimum of $750 for future travel – if not much, much more.

Annual Fee: $95

 

 

Learn more about the *chase sapphire preferred*

 

Why This Offer Makes the List

While it’s not the biggest bonus we’ve ever seen on this card, earning 60,000 Chase Ultimate Rewards while only paying a $95 annual fee is still a phenomenal offer – especially if you don’t want to pay huge, $550-plus annual fees on premium travel cards. The Sapphire Preferred is one of the best places to get started with points and miles.

Those 60,000 points can be used to book at least $750 in travel through the Chase Travel Portal, as every point is worth 1.25 cents apiece. But you can easily get double that value (or more) by using Chase transfer partners like United, Virgin Atlantic, Singapore Airlines, Southwest Airlines, or Hyatt. Not bad for a card with an annual fee of only $95, right?

There are some restrictions you’ll need to be aware of. First and foremost, there’s the Chase 5/24 rule. If you have been approved for five or more cards from any bank (not just Chase) in the last 24 months, you will automatically be declined for any new Chase card. Additionally, if you have earned a bonus on either the Chase Sapphire Preferred or Chase Sapphire Reserve in the past 48 months (four years), you will not be eligible.

Read more: Are You Eligible for the Chase Sapphire Preferred Card?

 

2. Chase Ink Business Cash® & Ink Business Unlimited® Credit Cards

Current Offer

Whether you opt for the *chase ink business cash* or the *chase ink business unlimited*, you’ll get the same welcome bonus offer.  These match the best offer we’ve ever seen on these cards. But you’ll have to act fast: These limited-time offers are slated to end on Jan. 18 at 9 a.m ET.

You’ll earn a $900 cash back bonus after you spend $6,000 on purchases in the first three months from account opening. But if you also have a card that earns Chase Ultimate Rewards points, that $900 cash back can instantly become another 90,000 Chase points.

Annual Fee: $0

 

*chase ink business cash*

 

Learn more about the *chase ink business cash*

 

*chase ink business unlimited*

 

Learn more about the *chase ink business unlimited*

 

Why This Offer Makes the List

Small business owners who already have a card that earns Chase Ultimate Rewards points like the Chase Sapphire Preferred, Reserve, or even the Chase Ink Preferred should give these two Ink Business cards a long, hard look. With one of these cards in your wallet, the cashback from these two Ink cards can be turned into Ultimate Rewards points, making the rewards much more valuable – especially if your ultimate goal is travel.

Think you’re not eligible for these small business credit cards? You might be surprised…

Not sure which one to pick? Chase doesn’t restrict you from having both, so that’s always an option. But that’s too much for many travelers and small business owners … and while they offer some of the same benefits, there are other key differences to be aware of.

Best of all, both of these cards have no annual fee. So if you’re eligible, it’s a great way to keep racking up Ultimate Rewards points.

Just remember, these record-tying 90,000-point offers are only available for a limited time. Act fast if you’re interested!

Read More: Ink Business Cash vs. Ink Unlimited: Which is Best for You?

 

3. The Chase Freedom Unlimited® Card

Current Offer

The *freedom unlimited* is currently doubling all the cash back you earn with a special offer that is ending soon.

Chase will match any cash back you earn on purchases made on the card during your first year of card membership, meaning you’re essentially earning twice the rewards for the first year on all your spending. Since the card earns a minimum of 1.5% cash back (or 1.5x Ultimate Rewards) on all non-bonus spending, you’ll actually be earning a bare minimum of 3% cash back (or 3x Ultimate Rewards) after Chase completes the end-of-year match.

There is no limit to how much cash back you can earn. You’ll have to act fast as this special offer ends on Jan. 11.

Annual Fee: $0

 

*freedom unlimited*

 

Learn more about the *freedom unlimited*.

 

Why This Offer Makes the List

This is a great offer to make your everyday rewards worth twice as much on a card that doesn’t charge an annual fee. And if you hold it alongside a card that earns Chase Ultimate Rewards points like the Sapphire Reserve or Preferred, that cash back can instantly become points.

Even better, this unlimited cash back match also applies to the spending categories that already earn additional cash back (or Chase Ultimate Rewards points) on the card. With that in mind, here’s what you’ll get with this welcome offer:

  • Earn 10% cash back on travel purchased through the Chase Ultimate Rewards Travel portal.
  • Earn 6% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service.
  • Earn 3% cash back on all other purchases.

After your first year, you’ll earn the standard 5% cash back on travel purchased through the Chase Travel Portal, 3% cash back on drugstore purchases and dining (including takeout and eligible delivery service), and unlimited 1.5% cash back on all other purchases made with your Freedom Unlimited card.

It’s a great offer that won’t be around for much longer.

Read our review of the Chase Freedom Unlimited Card!

 

4. The Capital One Venture X Business

Current Offer

The *venture x business* is currently offering 150,000 Venture Miles after spending $30,000 in the first three months. Considering you earn at least 2x miles for every dollar you spend on the Venture X Card, you’ll have a total of at least 210,000 Venture Miles right off the bat. That’s worth a bare minimum of $2,100 when used for travel, but you can likely do even better than that by transferring those miles to Capital One’s slew of transfer partners instead.

Annual Fee:$395

 

*venture x biz*

 

Learn more about the *venture x business*.

 

Why This Offer Makes the List

Capital One officially launched the Venture X business card to the masses back in September. Previously, you needed to have a relationship with a Capital One business banker to apply for the card, making this card much more difficult to open.

No question: The spending requirement to earn the big welcome offer bonus is huge. But if your business can generate that kind of spending, you’ll be hard-pressed to find a better business card offer right now.

The bank essentially hit copy and paste on the personal *venture x* that’s chock full of premium travel benefits: Access to Capital One Lounges, Priority Pass lounges, Plaza Premium lounges,  a $300 annual travel credit, a credit for Global Entry or TSA PreCheck, and more.

And all that with a price tag of just $395 a year, automatically making this card a compelling alternative to premium competitors which cost as much as $695 per year.

Sure, a $395 annual fee may still immediately turn off many travelers. But it’s a mirage: In practice, it’s actually far cheaper. Consider the fact that you get an automatic $300 credit a year towards travel booked through the Capital One Travel portal. Then, starting in year two, you get a 10,000-point bonus every year: these points are worth a minimum of $100.

Are you the kind of person who plans to spend $300 a year or more on travel? If so, do the math and you’ll see that in reality, you’re paying $95 a year for this card – or much less when you add in the other perks and welcome bonus.

Not to mention, you’ll earn 2x Venture Miles for every dollar your business spends.

Read our full review of the Venture X Business Card

 

5. Chase Ink Business Preferred® Credit Card

Current Offer

The *chase ink preferred* is currently offering 100,000 Ultimate Rewards points after spending $8,000 in the first three months of card membership. These points are worth a minimum of $1,250 for future travel – if not much, much more. It’s the best offer we have ever seen on this card.

Annual Fee: $95

 

*chase ink preferred*

 

Learn more about the *chase ink preferred*

 

Why This Offer Makes the List

If you have a small business (and trust us, you might be eligible for a small business card and not know it), you won’t find a better welcome bonus at a lower price point right now than the current offer on the Chase Ink Preferred.

Back in June, Chase halved the spending requirement to earn the huge 100,000-point welcome offer bonus. Previously, you needed to spend $15,000 in the first three months of card membership to earn the big bonus. Now, you only have to spend $8,000 in the first three months of card membership to earn that same 100,000-point bonus.

Chase has indicated this isn’t a limited-time offer – it should be available for the foreseeable future.

Beyond a stellar welcome bonus, the Ink Business Preferred is one of the best out there. It offers a solid ongoing return on spending and strong travel benefits for small business owners. Best of all, the card has a low annual fee of just $95, making it worth a spot in your wallet for the long run.

Read our review of the Chase Ink Business Preferred Card!

 

6. The AAdvantage® Aviator® Red World Elite Mastercard®

Current Offer

Just by opening the card and making a single purchase, you’ll earn 60,000 American AAdvantage Miles. Plus, when you add an authorized user to your card and make a purchase on that card within the first 90 days, you’ll earn another 15,000 miles. That’s 75,000 AAdvantage miles for making just two purchases (and paying the $99 annual fee) in the first three months!

This limited-time offer is the best we’ve ever seen on the card, but it will only last through Jan. 31, 2024. While the public bonus has already dropped back down to 60,000 miles, you can still earn up to 75,000 AAdvantage miles by applying through a referral link like this one.

Annual Fee: $99

 

Aviator Red Mastercard

 

Apply Here (for full disclosure, this is a personal referral link – not an affiliate link).

 

Why This Offer Makes the List

This is easily the best offer we’ve ever seen on the card, bu it won’t be around for much longer. While you’ll be on the hook for the card’s $99 annual fee right off the bat, you’ll be able to earn 75,000 American AAdvantage miles after making just two purchases in the first 90 days of card membership.

American Airlines AAdvantage miles are some of the most valuable miles out there. Not only can you use them for flights with American Airlines, but you can also redeem them for incredible experiences for flights on their Oneworld alliance partners.

Want to fly in a Qatar Qsuite? Or how about flying Japan Airlines first class? AA is unique among the major domestic airlines in that it doesn’t charge more to redeem miles on partner airlines… at least for now. In our mind, this advantage alone makes American Airlines miles worth collecting.

Read More: Best Bonus Ever: Earn up to 75K AAdvantage Miles with the Aviator Red Card

 

7. The Capital One Venture X Rewards Credit Card

Current Offer

The *capital one venture x* is currently offering 75,000 Venture Miles after spending $4,000 in the first three months. Considering you earn at least 2x miles for every dollar you spend on the Venture X Card, you’ll earn a total of at least 83,000 Venture Miles right off the bat.

Annual Fee: $395

 

*capital one venture x*

 

Learn more about the *capital one venture x*

 

Why This Offer Makes the List

Because it’s one of the most exciting travel credit cards to hit the market in years – if ever.

Capital One first unveiled the card back in November 2021. It’s a souped-up version of the ever-popular *capital one venture card* that’s chock full of extra benefits: Access to Capital One Lounges, Priority Pass lounges, Plaza Premium lounges,  a $300 annual travel credit, a credit for Global Entry or TSA PreCheck, great travel and rental car insurance protection, and more.

And all that with a price tag of just $395 a year. It’s a great alternative to premium competitors like the Chase Sapphire Reserve or the Platinum Card® from American Express, which cost as much as $695 per year (see rates & fees).

Sure, a $395 annual fee may still immediately turn off many travelers. But it’s a mirage: In practice, it’s actually far cheaper. Consider the fact that you get an automatic $300 credit a year towards travel booked through the Capital One Travel portal. Then, starting in year two, you get a 10,000-point bonus every year: these points are worth a minimum of $100.

Are you the kind of person who plans to spend $300 a year or more on travel? If so, do the math and you’ll see that in reality, you’re paying $95 a year for this card – or much less when you add in the other perks and welcome bonus.

Read More: Capital One Venture X Card Review: Get 75K Miles, Lounge Access & More

 

8. The American Express® Gold Card

Current Offer

You can earn at least 60,000 American Express Membership Rewards points after spending $6,000 in the first six months of card membership. You’ll also get six months to meet that spending requirement, twice as long as card offers from most other banks.

Be sure to check if you’re eligible for a 90,000-point offer via a personal referral link!

Annual Fee: $250 (see rates & fees)

 

*amex gold*
Learn more about the *amex gold*

 

Why This Offer Makes the List

The *amex gold card* is one of our favorite travel rewards cards.

Here’s what you need to know: The real value of the Gold card goes far beyond that initial bonus – though a 60,000- to 75,000-point bonus or more sure doesn’t hurt.

That’s because the Gold Card earns 4x points for every dollar you spend at U.S. supermarkets (up to $25,000 annually then 1x) and 4x points per dollar spent at restaurants, making it arguably the best card to use at U.S. supermarkets and restaurants.

You’ll also get up to $120 in dining credits each year to spend at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar, and select Shake Shack locations, and up to $120 annually in Uber cash to use at both Uber and Uber Eats. These credits are given out in $10 monthly increments and any amount you don’t use at the end of the month will be forfeited. Just add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S.

But maximize these two credits alone and that will cover $240 of your $250 annual fee. These credits and bonus categories are a big part of the reason we feel the card is easily worth the $250 annual fee.

Read our full review of the American Express Gold Card. 

 

9. The Capital One Venture Rewards Credit Card

Current Offer

The *capital one venture card* is currently offering 75,000 Venture Miles after spending $4,000 in the first three months. Considering you earn at least 2x miles for every dollar you spend on the card, you’ll earn a total of at least 83,000 Venture Miles right off the bat.

Annual Fee: $95

 

*capital one venture card*

 

Learn more about the *capital one venture card*

 

Why This Offer Makes the List

Capital One recently increased the welcome offer bonus on the standard Venture Card from 60,000 miles after spending $3,000 in the first three months to 75,000 miles after spending $4,000 in the first three months. That now puts the welcome offer bonus on par with the more expensive Venture X card listed above at a much smaller annual fee.

You won’t get all the perks you’ll get with the Venture X card, but you won’t pay $395 out of pocket each year, either. The card also provides a credit of up to $100 every four years to cover the cost of a Global Entry or TSA PreCheck membership. It’s one of the most cost-effective ways to get this benefit from a credit card.

But if it’s just the miles you’re after, this could make a compelling alternative to Venture X.

Read More: 75K Venture Miles & More Perks: All About the Capital One Venture Card

 

10. The Platinum Card® from American Express

Current Offer

There is currently a targeted welcome offer available through creditcards.com’s CardMatch tool to earn 150,000 American Express Membership Rewards points after spending $6,000 in the first six months of card membership.

Not targeted through CardMatch? If that doesn’t work, you can also try using an incognito window on your browser and apply directly with American Express. Or see if you can get a referral link for 150,000 points from a friend or family member.

At the very least, you’ll earn a welcome offer of 80,000 American Express points after spending $8,000 within the first six months. Just be warned: Amex recently made changes to the terms of the welcome offer, making it more difficult (and costly) for some to earn that big bonus.

Annual Fee: $695 (see rates & fees)

 

*amex platinum*

 

Learn more about *amex platinum*.

 

Why This Offer Makes the List

The Platinum Card® from American Express got a big refresh a few years ago, bringing on new benefits and an even bigger annual fee.

And while that big annual fee may be hard to stomach, you can still come out way ahead in your first year thanks in part to the record welcome offer currently available (from Cardmatch or a personal referral link). That takes the cake for the best offer we have ever seen on the Platinum Card … and it’s not even close.

Check out some of the best ways to use your bonus from the Amex Platinum card.

 

Bottom Line

January is yet another big month in terms of elevated credit card offers. While there are plenty of cards and bonuses to choose from, we think these are the best travel rewards card offers that are currently available.

Make sure to check our Top Credit Cards Page, as offers are always changing.