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Best Credit Cards If You’re Over Chase’s 5/24 Rule

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Chase application rule

Chase has the most restrictive application rules of any credit card issuer. Their infamous 5/24 rule limits you to five new credit card accounts in the last 24 months. If you’ve gotten five (or more) new cards in the past two years, Chase will deny your application. You won’t be able to get most Chase credit cards.

In this article:

If you’re over the 5/24 limit, you still have options. You can still get just about any credit card that’s not issued by Chase. Let’s take a look at some of your best options.

Alternative to Chase Freedom (5% Cashback Categories)

The Chase Freedom Unlimited is a great card that offers 5% cash back in rotating categories. It’s not the only game in town, though. If you want this card, but can’t get it because of the 5/24 rule, consider Capital One Savor Cash Rewards Credit Card instead.

Capital One® Savor® Cash Rewards Credit Card

INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
16.74% - 25.74% (Variable)
Annual Fee
$0 intro for first year, $95 after that
Rewards Program
Capital One® Cash Back Rewards
ABOUT THIS CREDIT CARD:
  • Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
  • Receive a monthly statement credit for a Postmates Unlimited monthly membership through Dec. 2019 with the Capital One Savor Card
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won’t expire for the life of the account and there’s no limit to how much you can earn
  • No foreign transaction fees
  • Capital One cardholders get access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that
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You won’t get the same 5% cash back in rotating categories, but you will not have to keep track of all the categories and sign up for each category every quarter. Besides, with Savor Credit Card from Capital One you will get $300 after spending  $3,000 on purchases within the first 3 months from account opening. Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening.

That effectively pushes your earnings up to 10% back for the rotating categories and 2% for everything else. Depending on how much spend, that can be a lot more valuable than the Freedom card’s sign-up bonus.

Alternatives to Chase Freedom Unlimited (Fixed-Rate Cash Back)

If you’re looking for a simpler card like the Chase Freedom Unlimited that offers a fixed rate of return for all purchases, either the Citi Double Cash or the Capital One Quicksilver Cash Rewards card are great alternatives.

Citi® Double Cash Card – 18 month BT offer

Discover it® Miles Card
How to apply
To apply for this offer please contact
Citibank
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INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
0% 18 months on Balance Transfers
Regular APR
15.74% to 25.74% (Variable)
Annual Fee
$0
Rewards Program
Citi® Double Cash Reward Program
Bonuses & Rewards
  • Earn 2% cash back on purchases 1% when you buy and 1% as you make payments for those purchases
  • To earn cash back, pay at least the minimum due on time
  • 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.74% - 25.74% based on your creditworthiness.
  • Balance Transfers do not earn cash back
  • 3% foreign transaction fee
  • + Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases
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Capital One® Quicksilver® Cash Rewards Credit Card

INTRO APR on Purchases
0% intro on purchases for 15 months
INTRO apr on Balance Transfer
0% intro on balance transfers for 15 months
Regular APR
16.24% - 26.24% (Variable)
Annual Fee
$0
Rewards Program
Capital One® Cash Back Rewards
ABOUT THIS CREDIT CARD:
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 16.24%-26.24% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 16.24%-26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
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The Citi Double Cash card actually outperforms the Freedom Unlimited by offering 2% cash back on all purchases. You’ll earn 1% when you make a purchase and another 1% when you pay it off. The catch? There’s no sign-up bonus.

If you really want that sign-up bonus, the Quicksilver card offers $150 after spending $500 in three months. You’ll earn cash back at the same rate as the Freedom Unlimited, getting 1.5% back on all purchases.

Alternative to Ink Business Cash (No-Fee Cashback Business Cards)

Looking for a small business card that offers 5% cash back and has no annual fee like the Ink Business Cash card? Consider the Capital One Spark Cash for Business instead.

Capital One® Spark® Cash for Business

INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
19.24% (Variable)
Annual Fee
$0 intro for first year; $95 after that
Rewards Program
Capital One® Cash Back Rewards
ABOUT THIS CREDIT CARD:
  • Earn unlimited 2% cash back for your business on every purchase, everywhere
  • Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • $0 annual fee for the first year; $95 after that
  • $0 Fraud Liability if your card is lost or stolen
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
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The Capital One Spark Cash for Business offers a $500 bonus and 2% back on all purchases. While the annual fee is waived the first year, it will cost $95 after that.

Alternatives to Ink Business Preferred (Travel Business Cards)

The American Express Business Gold card and the Marriott Bonvoy Boundless Visa Signature both offer extremely flexible and valuable rewards and great earning categories that easily rival the Ink Business Preferred card.

American Express Business Gold Card

INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
N/A
Annual Fee
$295
Rewards Program
Membership Rewards®
Bonuses & Rewards
  • + Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month
  • + 4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.
  • Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.
  • Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.
  • Exclusive Offers: Get up to 1 year free on subscriptions to both G Suite Basic for up to 3 users and ZipRecruiter Standard, a combined value up to $3,200.
  • Pay Over Time Option: A flexible payment option to help manage cash flow on purchases of $100 or more.
  • No Foreign Transaction Fee
  • + Expense Management Tools: Connect to Quickbooks, access SpendManagerSM, receive a Year­End Summary, and more.
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Marriott Bonvoy Business American Express Card

INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
17.99% to 26.99% Variable±
Annual Fee
Bonuses & Rewards
  • + 6x points at participating Marriott Bonvoy hotels.
  • + 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
  • + 2x points on all other eligible purchases.
  • Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Receive 1 Free Night Award every year after your Card account anniversary. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at a participating hotel. Certain hotels have resort fees.
  • Enjoy complimentary Marriott Bonvoy Silver Elite status with your Card. Plus, earn Gold Elite status after making $35,000 in eligible purchases on your Card in a calendar year.
  • No foreign transaction fees
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The American Express Business Gold Card costs a bit more than the Ink Preferred ($295 vs. $95), but Amex Membership Rewards points can be transferred to more travel partners than Chase Ultimate Rewards.

The card also lets you choose which category you’ll earn triple points in, while the remaining categories earn double points. Add in a 35,000-point welcome bonus, and this card more than pays for itself.

If flexible rewards are what you’re after, there’s no beating the Marriott Bonvoy program. The points you earn with the Marriott Bonvoy Brilliant card can be transferred to over 40 different airline programs. With this card you will get 75,000 bonus points. You will get 6x points at participating Marriott Bonvoy hotels, 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping, 2x points on all other eligible purchases.

Alternative to Ink Business Unlimited (Fixed-Rate Cashback Business Cards)

The latest offer from Chase is the Ink Business Unlimited card. It’s main feature is a 1.5% cashback return on all purchases. The Capital One Spark Cash for Business card, though, bests the Ink Unlimited by offering unlimited 2% cashback on all purchases. You’ll also get a $500 sign-up bonus. Not bad.

Capital One® Spark® Cash for Business

INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
19.24% (Variable)
Annual Fee
$0 intro for first year; $95 after that
Rewards Program
Capital One® Cash Back Rewards
ABOUT THIS CREDIT CARD:
  • Earn unlimited 2% cash back for your business on every purchase, everywhere
  • Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • $0 annual fee for the first year; $95 after that
  • $0 Fraud Liability if your card is lost or stolen
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
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Alternatives to Chase Sapphire Preferred (Flexible Travel Rewards)

The Chase Sapphire Preferred may be on everyone’s best-of list for travel credit cards, but that doesn’t mean there aren’t great alternatives.

Citi Premier Card

Discover it® Miles Card
How to apply
To apply for this offer please contact
Citibank
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INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
18.24%-26.24%% (Variable)
Annual Fee
$95
Rewards Program
ThankYou®
Bonuses & Rewards
  • + Earn 3 points on Travel, Including Gas Stations
  • + Earn 2 points on Dining Out & Entertainment
  • + Earn 1 points on All Other Purchases
  • Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • 60,000 Points are redeemable for $750 in airfare on any airline, anytime with no blackout dates when booked through the ThankYou® Travel Center, or $600 in gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases
  • No Foreign Transaction Fee
  • + Points Transfer allows you to transfer points to participating airline loyalty programs
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American Express Gold Card

INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
N/A
Annual Fee
$250
Rewards Program
Membership Rewards®
Bonuses & Rewards
  • + Earn 4X Membership Rewards® points at U.S. restaurants. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X).
  • + Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com
  • Earn 35,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new Card within the first 3 months.
  • Earn up to $10 in statement credits monthly when you pay with The Gold Card at Grubhub, Seamless, The Cheesecake Factory, Shake Shack, and Ruth's Chris Steak House. This is an annual savings of up to $120. Enrollment required.
  • $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline. Choose to carry a balance with interest on eligible charges of $100 or more.
  • No Foreign Transaction Fee
  • + Terms Apply
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Like the Chase Ultimate Rewards program, the Citi ThankYou program allows you to transfer points to a variety of airline partners or redeem through the Citi travel portal. The ThankYou Premier card is a great introduction to this program, offering a 50,000-point bonus, triple points on travel (including gas) and double points for dining out and entertainment.

The Amex Membership Rewards program also allows transfers to a wide variety of airline partners. And the American Express Gold Card is a great way into that program thanks to it’s solid 35,000-point welcome bonus and great earning categories.

Earn 4X Membership Rewards® points at U.S. restaurants. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. While it does cost a bit more at $250, it also includes a $100 airline fee credit that helps offset the difference.

Alternative to Chase Sapphire Reserve (Premium Travel Perks)

The Chase Sapphire Reserve card comes with an impressive list of travel benefits, but so does the alternative from American Express.

The Platinum Card® from American Express

INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
N/A
Annual Fee
$550
Rewards Program
Membership Rewards®
Bonuses & Rewards
  • 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel
  • 5x Membership Rewards points on prepaid hotels booked on amextravel.com
  • + Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world
  • + Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More
  • 60,000 bonus points after you spend $5,000 in the first 3 months
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline
  • Terms Apply
  • No Foreign Transaction Fee
  • + Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required
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The Business Platinum Card from American Express

INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
N/A
Annual Fee
$595
Rewards Program
Membership Rewards®
Bonuses & Rewards
  • 5x Points on Airfare and Hotels
  • 1.5x Points for single purchase of $5,000 or more
  • 1x Points on All Other Purchases
  • Up to 75,000 bonus points (50,000 after spending $10,000, plus 25,000 more if you spend another $10,000 within 3 months)
  • 20% Discount on Delta сommercial flights
  • $200 airline fee credit
  • $100 credit for Global Entry or TSA PreCheck
  • No Foreign Transaction Fee
  • % Get 35% of your points back when you redeem with your preferred carrier or for any business or first class seats
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The Amex Platinum card was the original premium credit card and still outdoes the competition in a lot of ways. It has the best airport lounge access, including free entry into Centurion Lounges, Delta Sky Clubs and Priority Pass lounges, plus valuable credits.

Every year you have the card, you’ll get a $200 airline fee credit and $200 in Uber rides. Throw in Global Entry/TSA PreCheck fee reimbursement and elite status with a variety of hotels and rental car agencies, and this card is hard to beat.

The Business Platinum card is a great option for small business owners. It comes with nearly the same perks as the personal Platinum but currently offers a huge 75,000-point welcome bonus. Unfortunately, you have to spend $20,000 in three months to get that bonus.

Alternatives to Chase Slate (0% APR)

Would you like interest-free financing on a big purchase or a chance to pay down some existing debt without incurring more charges? Good news! There are a lot of cards on the market that offer a promotional 0% intro APR on balance transfers and purchases.

Citi Simplicity® Card - No Late Fees Ever

Discover it® Miles Card
How to apply
To apply for this offer please contact
Citibank
INTRO APR on Purchases
0% 12 months on Purchases
INTRO apr on Balance Transfer
0% 21 months on Balance Transfers
Regular APR
16.24% - 26.24% (Variable)
Annual Fee
$0
Bonuses & Rewards
  • + Save time when you call with fast, personal help, 24 hours a day – just say “representative”
  • + Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month
  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
  • 3% foreign transaction fee
  • + There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
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Capital One® Quicksilver® Cash Rewards Credit Card

INTRO APR on Purchases
0% intro on purchases for 15 months
INTRO apr on Balance Transfer
0% intro on balance transfers for 15 months
Regular APR
16.24% - 26.24% (Variable)
Annual Fee
$0
Rewards Program
Capital One® Cash Back Rewards
ABOUT THIS CREDIT CARD:
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 16.24%-26.24% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 16.24%-26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
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The Chase Slate card might give you 15 months of 0% APR, but the Citi Simplicity offers a full 18 months of zero interest for both purchases and balance transfers.

With the Capital One Quicksilver Cash Rewards Credit Card, you’ll get 0% for the first 15 months that your account is open., plus the ability to earn 150 cash back.

Alternatives to Marriott Bonvoy Boundless Visa SIgnature (Hotels)

Marriott Bonvoy Brilliant Card is a natural alternative to the Marriott Bonvoy Boundless card. Although they both belong to one rewad program, Marriott Bonvoy Brilliant Card is issued by American Express, not Chase.

Marriott Bonvoy Brilliant American Express Card

INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
17.99% to 26.99% Variable
Regular APR
17.99% to 26.99% Variable
Annual Fee
$450
Bonuses & Rewards
  • + Earn 6x Marriott Bonvoy Points on eligible purchases at participating Marriott Bonvoy hotels.
  • + Earn 3x Marriott Bonvoy Points at U.S. restaurants and on flights booked directly with airlines.
  • + Earn 2x Marriott Bonvoy Points on all other eligible purchases.
  • Earn 75,000 Marriott Bonvoy Points after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Enjoy up to $300 in statement credits each year of Card Membership for eligible purchases at participating Marriott Bonvoy hotels.
  • Receive 1 Free Night Award every year after your Card account anniversary. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy points) at a participating hotel.
  • Enjoy complimentary Marriott Bonvoy Gold Elite status with your Card. Earn Marriott Bonvoy Platinum Elite status after making $75,000 in eligible purchases on your Card in a calendar year.
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Hilton Honor American Express Ascend Card

INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
17.99% TO 26.99% VARIABLE
Annual Fee
$95
Rewards Program
Hilton Honors™
Bonuses & Rewards
  • 12x Points on Hilton Purchases
  • 6x Points at U.S. restaurants, U.S gas stations, and U.S. supermarkets
  • 3x Points on Car Rentals
  • 3x Points on All Other Purchases
  • 125,000 bonus points after you spend $3,000 in purchases within the first 3 months
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your card in a calendar year
  • No Foreign Transaction Fee
  • + Complimentary Gold Status
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American Express also offers a line of cards from Hilton, and the Hilton Honors Ascend card is a great option. You’ll get a huge 125,000-point sign-up bonus.

Alternatives to the Southwest Airlines Cards (Budget Air Travel)

While the Southwest Companion Pass is fantastic, and the quickest way to earn it is with the Southwest Airlines credit cards, you won’t have that option if you’re over the 5/24 limit because these cards are issued by Chase.

Capital One® Venture® Rewards Credit Card

INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
17.99% - 25.24% (Variable)
Annual Fee
$0 intro for first year; $95 after that
Rewards Program
Venture® Rewards
ABOUT THIS CREDIT CARD:
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels through January 2020; learn more at hotels.com/venture
  • Named ‘The Best Travel Card' by CNBC, 2018
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that
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JetBlue® Plus MasterCard®

INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
0% introductory APR for the first twelve billing cycles following each balance transfer that posts to your account within 45 days of account opening
Regular APR
17.99%, 21.99% or 26.99% (Variable±)
Annual Fee
$99
Rewards Program
TrueBlue
Bonuses & Rewards
  • 6x Points on JetBlue Purchases
  • 2x Points on Dining and Groceries
  • 1x Points on Gas
  • 1x Points on All Other Purchases
  • 40,000 bonus points after you spend $1,000 in the first 90 days
  • 5,000 bonus points annually after your account anniversary
  • 10% of your points back every time you redeem
  • No Foreign Transaction Fee
  • % 50% in-flight savings
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If you’re still looking for a way to earn free travel on Southwest, consider the Capital One Venture Rewards Credit Card. With this card, you can use the miles you earn for statement credits toward any travel purchases, including Southwest flights.

But if you have your heart set on a co-branded airline card with a budget carrier, the JetBlue Plus card offers 40,000 bonus points, 6x points with JetBlue and 2x points at restaurants and grocery stores. You’ll also get free checked bags and a 50% discount on in-flight purchases.

Alternatives to the United Explorer Card (Airline Perks)

The new United Explorer card has a lot to offer, but you can only use the rewards you earn to book flights through United. With the Venture card from Capital One you can use your miles for purchases on any airline (or for any travel at all).

Capital One® Venture® Rewards Credit Card

INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
17.99% - 25.24% (Variable)
Annual Fee
$0 intro for first year; $95 after that
Rewards Program
Venture® Rewards
ABOUT THIS CREDIT CARD:
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels through January 2020; learn more at hotels.com/venture
  • Named ‘The Best Travel Card' by CNBC, 2018
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that
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Alaska Airlines Visa Signature® Credit Card

INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
16.99%-24.99% Variable APR on purchases and balance transfers
Annual Fee
$75
Rewards Program
Mileage Plan™
Bonuses & Rewards
  • + Special Introductory Offer: Buy 1 ticket, get 1 for just the taxes and fees with Alaska's Famous Companion Fare™ Offer.
  • + Earn 3 miles for every $1 spent directly on Alaska Airlines purchases and 1 mile for every $1 spent on all other purchases.
  • Get 30,000 bonus miles after you make $1,000 or more within the first 90 days of your account opening.
  • Get Alaska's Famous Companion Fare™ every year! Each Year on your account anniversary get a companion fare from $121 ($99 plus taxes and fees from $22). Valid on all Alaska flights booked on alaskaair.com.
  • Save with a free checked bag on Alaska flights for you and up to six other guests on the same reservation.
  • New - Get exclusive access to discounted redemption levels when you redeem miles for hotel stays at over 400,000 properties using Mileage Plan™ Hotels.
  • Earn unlimited miles and travel with no blackout dates and no foreign transaction fees.
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Not only do you get 2x points on all purchases and a 50,000-mile sign-up bonus with the Venture card, but Capital One just added a credit to cover the Global Entry/TSA PreCheck fees.

Don’t forget about the excellent Alaska Airlines Visa Signature from Bank of America. This card comes with the valuable Companion Fare which allows you to take a friend with you on an Alaska flight for just $99 plus taxes and fees. You’ll also get a sign-up bonus, free checked bags and other perks.

Alternatives to the United Club Cards (Lounge Access)

Chase offers two high-end cards co-branded with United, the United Club and United Business Club cards. These cards come with big annual fees, but also big perks. Namely, you’ll get complimentary access to United’s network of airport lounges.

The Platinum Card® from American Express

INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
N/A
Annual Fee
$550
Rewards Program
Membership Rewards®
Bonuses & Rewards
  • 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel
  • 5x Membership Rewards points on prepaid hotels booked on amextravel.com
  • + Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world
  • + Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More
  • 60,000 bonus points after you spend $5,000 in the first 3 months
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline
  • Terms Apply
  • No Foreign Transaction Fee
  • + Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required
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The Business Platinum Card from American Express

INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
N/A
Annual Fee
$595
Rewards Program
Membership Rewards®
Bonuses & Rewards
  • 5x Points on Airfare and Hotels
  • 1.5x Points for single purchase of $5,000 or more
  • 1x Points on All Other Purchases
  • Up to 75,000 bonus points (50,000 after spending $10,000, plus 25,000 more if you spend another $10,000 within 3 months)
  • 20% Discount on Delta сommercial flights
  • $200 airline fee credit
  • $100 credit for Global Entry or TSA PreCheck
  • No Foreign Transaction Fee
  • % Get 35% of your points back when you redeem with your preferred carrier or for any business or first class seats
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Delta Reserve for Business Credit Card

INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
17.99% TO 26.99% VARIABLE
Annual Fee
$450
Rewards Program
SkyMiles®
Bonuses & Rewards
  • 2x Miles on Delta Purchases
  • 1x Miles on Dining
  • 1x Miles on Gas
  • 1x Miles on All Other Purchases
  • 40,000 bonus miles after you spend $3,000 in the first 3 months
  • Up to 30,000 MQMs and up to 30,000 bonus miles after you spend $60,000 in a calendar year
  • No Foreign Transaction Fee
  • + Companion Certificate
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Perhaps the best and most flexible alternatives to the United Club cards are the Amex Platinum and Amex Business Platinum. Both offer access to more lounges (Centurion, Delta Sky Club and Priority Pass), plus a wide variety of credits (including an annual $200 airline fee credit that can cover a lot of checked bags).

If you often fly on Delta, Amex also offers a business version of the Delta Reserve card. They give you access to Delta Sky Clubs and the ability to earn status qualification miles.

Alternatives to the Starbucks Rewards Visa (Dining and Food)

The Starbucks Rewards Visa may appeal to you if you’re a loyal Starbucks customer, but you can do better. Both Savor and SavorOne from Capital One, as well as the Uber Visa, offer more flexible and more valuable cashback rewards.

Capital One® SavorOne℠ Cash Rewards Credit Card

INTRO APR on Purchases
0% intro on purchases for 15 months
INTRO apr on Balance Transfer
0% intro on balance transfers for 15 months
Regular APR
16.24% - 26.24% (Variable)
Annual Fee
$0
Rewards Program
Capital One® Cash Back Rewards
ABOUT THIS CREDIT CARD:
  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 16.24% - 26.24% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 16.24% - 26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fees
  • No annual fee
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Capital One® Savor® Cash Rewards Credit Card

INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
16.74% - 25.74% (Variable)
Annual Fee
$0 intro for first year, $95 after that
Rewards Program
Capital One® Cash Back Rewards
ABOUT THIS CREDIT CARD:
  • Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
  • Receive a monthly statement credit for a Postmates Unlimited monthly membership through Dec. 2019 with the Capital One Savor Card
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won’t expire for the life of the account and there’s no limit to how much you can earn
  • No foreign transaction fees
  • Capital One cardholders get access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that
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Uber Visa Card

INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
16.49% to 25.24% Variable±
Annual Fee
$0
Bonuses & Rewards
  • 4x Points on Dining
  • 3x Points on Travel
  • 2x Points on Online Purchases, including Uber, Online Shopping, and Video and Music Streaming Services
  • 1x Points on All Other Purchases
  • 10,000 bonus points worth $100 after spending $500 in the first 90 days
  • Up to $600 in mobile phone protection, including damage and theft, when you use your card to pay your monthly phone bill
  • No Foreign Transaction Fee
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With the SavorOne card, you’ll get 3% back at restaurants and 2% back at grocery stores, plus a $150 sign-up bonus.

The Uber Visa may have a smaller sign-up bonus at $100, but it gives you an impressive 4% back at restaurants and 3% back on airfare, hotels and vacation home rentals.

Editorial Disclosure: Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

UGC Disclosure: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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