How I Built My Credit Card Collection and Spending Strategy

I recognize that “Points and Miles Expert” wasn’t a job presented at many career fairs, so often when I tell people what I do, they give me a look of bewilderment and then immediately ask: “Well, what cards do you have?”

My wallet contains a collection of cards that I’ve cultivated over the years and has pivoted with me through my different stages of life. Just because I have these cards doesn’t mean they work for everyone.

However, I firmly believe that anyone can learn to leverage points and miles to their benefit. It all comes down to knowing the answers to the following questions:

• What do you get value out of?
• What do you currently spend your money on?

Here’s a little bit about how I built out my wallet and spending strategy as well as some things to think about as you build out your own.

My Points and Miles Strategy

Value in Flexible Points

I find a lot of value in having flexible points that aren’t tied to a specific airline, specific hotel, or cash-back. I like that I have a pool of points that can flex for a specific trip, specific flight, or another travel goal.

Knowing that I liked the flexibility of using points across different airlines, I looked into issuers that had the broadest range of transfer partners. When I started down my points and miles journey years ago, I saw that American Express and Chase had the most variety at the time.

With the right cards, I had great access to both American Express’ airline and hotel partners and Chase’s airline and hotel partners.

With this, I decided to build a strategy around building up a stash of Amex Membership Rewards and Chase Ultimate Rewards, knowing I’d have good options when it comes to where I wanted to go, how I wanted to get there, and where I wanted to stay while there.

After I knew which types of points I wanted to start to earn, I had to take a look at where I was spending my money.

My Spend Strategy

I recognize that it can seem overwhelming when you look across all the cards available, what they earn, and their bonus earnings. So I started with a simple question: “What do I spend my money on?”

This, of course, changes over time, so I try to reassess these once a year or every other year to make sure I’m not missing out on any big categories. Taking an hour every so often helps me travel on points and miles, all making sure I’m getting the most out of all my card benefits!

For now, my big spending categories are:

Food

• Groceries
• Dining

Travel

• Airline tickets
• Gas
• Tolls and parking

Miscellaneous Spending

• Bills including utilities

Figuring out that my 2 largest spending categories were food- or travel-related helped narrow my search so I could match with credit cards that would allow me to make the most out of the money I was already spending.

My Top 4 Personal Cards

1. Chase Sapphire Preferred^® Card

NEW OFFER

Terms Apply / Rates & Fees

Chase Sapphire Preferred^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Apply Now(at Chase's secure site)

Chase Sapphire Preferred^® Card

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Welcome Offer

Earn 60,000 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

60,000 75,000 points

UP's Offer Valuation*:

$1,500

Annual Fee

$95

APR

19.74% - 27.99% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The Chase Sapphire Preferred^® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

Pros & Cons

Pros

• 5x points on all travel booked via the Chase Travel portal
• 3x points on dining purchases, online grocery purchases, and select streaming services
• 2x points on all other travel worldwide

Cons

• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status

Read Full Review

Card Highlights

• Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
• Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
• 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
• Member FDIC

Financial Snapshot

• APR: 19.74% - 27.99% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

This was the first card in my wallet, and I firmly believe that the Chase Sapphire Preferred card is a fantastic card for beginners but will still provide value well after you’ve graduated from beginner status.

This card earns:

• 5x points on travel purchased through Ultimate Rewards
• 3x points on dining purchases, select streaming services, and online grocery purchases
• 2x points on all other travel
• 1x points on all other purchases

When I was a graduate student, this card allowed me to take advantage of any dining out with 3x points earned per dollar. I also liked knowing that I was earning at least 2x points per dollar spent on my travel purchases to get back to see family out of state. The categories are also straightforward and simple to know.

Nowadays, this is my go-to card for all personal purchases since my spouse and I have a family budget in addition to our individual budgets without entangling family/personal purchases.

Take into account the extra benefits that come along with the Chase Sapphire Preferred card and it’s easy to see how this card can easily keep a place in your wallet:

• Membership for DoorDash DashPass (activate by December 31, 2027)
• $50 Annual Ultimate Rewards hotel credit
• 10% anniversary points boost
• No foreign transaction fees

Bottom Line:

The Chase Sapphire Preferred card is a fantastic card for beginners to points and miles. Explore our guide for more tips!

2. American Express^® Green Card

American Express^® Green Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card can provide a great way to accumulate Membership Rewards points on eligible travel, transit, and at restaurants.

All information about American Express^® Green Card has been collected independently by Upgraded Points.

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

American Express^® Green Card

This card can provide a great way to accumulate Membership Rewards points on eligible travel, transit, and at restaurants.

Welcome Offer

Earn 40,000 Membership Rewards^® points after you spend $3,000 in eligible purchases on your American Express^® Green Card within the first 6 months of Card Membership.

40,000 points

UP's Offer Valuation*:

Up to $880

Annual Fee

$150

APR

See Pay Over Time APR

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent (670-850)

Why We Like This Card

The American Express^® Green Card is an excellent all-around travel rewards card thanks to earning 3x Membership Rewards^® points on eligible travel and transit purchases and at restaurants, access to American Express transfer partners, and a reasonable annual fee.

Pros & Cons

Pros

• 3x points per $1 spent at restaurants worldwide, on all eligible travel purchases, and transit purchases
• Up to $209 per calendar year in statement credits after you pay for a CLEAR^® Plus membership with the Card.
• Access to American Express transfer partners

Cons

• $150 annual fee
• No elite benefits like airport lounge access or hotel elite status

Read Full Review

Card Highlights

• Earn 40,000 Membership Rewards^® Points after you spend $3,000 in eligible purchases on your American Express^® Green Card within the first 6 months of Card Membership.
• Earn 3X Membership Rewards^® points on travel, including airfare, hotels, cruises, tours, car rentals, campgrounds, and vacation rentals.
• Earn 3X Membership Rewards^® Points on transit purchases, including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways.
• Earn 3X Membership Rewards^® points on eligible purchases at restaurants worldwide, including takeout and delivery in the US.
• $209 CLEAR Plus Credit: Receive up to $209 per calendar year in statement credits when you pay for your CLEAR Plus membership (subject to auto-renewal) with the American Express^® Green Card.
• Payment Flexibility: When it comes to paying your bill, you have options. You can always pay in full. You also have the flexibility to carry a balance with interest or use Plan It^® to split up large purchases into monthly payments with a fixed fee, up to your Pay Over Time Limit. You may be able to keep spending beyond your limit – you’ll just need to pay for any new purchases in full when your bill is due.
• Trip Delay Insurance: If a round-trip is paid for entirely with your Eligible Card and a covered reason delays your trip more than 12 hours, Trip Delay Insurance can help reimburse certain additional expenses purchased on the same Eligible Card, up to $300 per trip, maximum 2 claims per eligible account per 12 consecutive month period. Terms, conditions and limitations apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
• No Foreign Transaction Fees: No matter where you’re traveling, when you use your American Express^® Green Card there are no foreign transaction fees.
• $150 annual fee.
• Terms Apply.

Financial Snapshot

• APR: See Pay Over Time APR
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

The information regarding the American Express^® Green Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

This was the second card in my wallet and was added when I wanted to start to build up American Express Membership Rewards. Since the Amex Green card had similar earnings to the Chase Sapphire Preferred card, I didn’t originally have a clear differentiation between the 2 cards but I knew I wanted to earn American Express Membership Rewards and this card came with good earnings, great benefits, and a reasonable annual fee.

This card earns:

• 3x points at restaurants worldwide
• 3x points on travel, including airfare, hotels, cruises, tours, car rentals, campgrounds, and vacation rentals
• 3x points on transit, including trains, taxis, rideshare services, ferries, tolls, parking, buses, and subways
• 1x points on all other eligible purchases

So while many of the categories overlapped with my Chase Sapphire Preferred card, I found it beneficial to have 3x earnings on travel (compared to the 2x on all other travel purchases with the Chase Sapphire Preferred card).

This made the bonus structures easy to remember and I loved that Amex Green’s travel category includes purchases made with third-party providers.

This allowed me to earn 3x when I found great deals through online travel agencies (OTAs) like Expedia. It’s worth noting that Chase’s definition of travel purchases is also broad, so between these 2 cards, I was earning bonus points on nearly every travel purchase.

As my spouse and I have expanded our strategy, we still utilize this card for its broad definition of travel and transit, as well as to take advantage of the CLEAR^® Plus credit, which allows us to cover the cost of a CLEAR Plus membership (up to $209) every year.

Thanks to earning Amex Membership Rewards points with the Amex Green card, my spouse and I were able to book The Apartment on Etihad from Abu Dhabi (AUH) to New York (JFK) to end our honeymoon. We redeemed 99,244 Membership Rewards points for our tickets, which had a cash value of $9,260.

3. Chase Freedom Flex^®

Chase Freedom Flex^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.

Chase Freedom Flex^®

The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.

Welcome Offer

Earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening.

$200

Annual Fee

$0

APR

0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.74% - 28.24%

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The Chase Freedom Flex^® sure does pack quite a punch — especially for a no-annual-fee card.

The Freedom Flex card is an incredible option for those looking for a well-rounded cash-back card, or a powerful point-earner when paired with a premium card in the Ultimate Rewards family.

Pros & Cons

Pros

• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.74% - 28.24%
• Powerful cash-back earner: 5% back on quarterly categories and travel purchases through Chase Ultimate Rewards, 3% back on dining and drugstore purchases, and 1% back on all other purchases
• No annual fee

Cons

• 3% foreign transaction fees in U.S. dollars

Read Full Review

Card Highlights

• Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
• 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
• 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
• 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.74%-28.24%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex^® card
• Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
• Member FDIC

Financial Snapshot

• APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.74% - 28.24%
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

When my now-spouse and I first moved into together, we recognized the need to have a joint card. Since we each had a Chase Sapphire Preferred card, we wanted a no-annual-fee card to put our joint purchases on. We settled on adding the Freedom Flex card.

We loved the idea of being able to transfer the cash-back earned on the Freedom Flex card to either of our Chase Sapphire Preferred cards as we started to travel together.

This card earns:

• 5% cash-back on up to $1,500 combined purchases in rotating categories
• 5% cash-back on travel purchased through Ultimate Rewards
• 3% cash-back on dining at restaurants and on drugstore purchases
• 1% cash-back on all other purchases

Since the quarterly bonus categories were generally those that we were already spending within, this was a great way to put joint purchases on 1 card and still earn bonus rewards. It takes a little effort to activate the offers, but this was an easy win to earn more points on things we were already purchasing.

Nowadays, this card doesn’t play as large of a role, but since it’s a no-annual-fee card, we keep it in our wallets and take advantage of the Freedom Flex card’s benefits:

• Complimentary 6-month membership to DoorDash DashPass (starting February 1, 2025, for new enrollees)

4. American Express^® Gold Card

NEW OFFER

Terms Apply / Rates & Fees

American Express^® Gold Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

American Express^® Gold Card

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Welcome Offer

You may be eligible for as high as 100,000 Membership Rewards^® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

As High As 100,000 Points. Find Out Your Offer.

UP's Offer Valuation*:

Up to $2,200

Annual Fee

$325

APR

See Pay Over Time APR

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The American Express^® Gold Card is a game-changer.

With this card, you can earn 4x Membership Rewards points at restaurants, up to $50,000 per calendar year, and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year, then 1x.

There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.

Pros & Cons

Pros

• 4x points per dollar at restaurants worldwide, up to $50,000 per calendar year; then 1x thereafter
• 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year; then 1x thereafter
• 3x points per dollar on flights purchased directly from airlines or at AmexTravel.com

Cons

• $325 annual fee (rates and fees)
• No lounge access

Read Full Review

Card Highlights

• You may be eligible for as high as 100,000 Membership Rewards^® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
• Earn 4X Membership Rewards^® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 4X Membership Rewards^® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 3X Membership Rewards^® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
• Earn 2X Membership Rewards^® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
• Earn 1X Membership Rewards^® point per dollar spent on all other eligible purchases.
• $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards^® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
• $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express^® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
• $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express^® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
• $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express^® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
• Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
• No Foreign Transaction Fees.
• Annual Fee is $325.
• Terms Apply.

Financial Snapshot

• APR: See Pay Over Time APR
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Once we got married, we decided to beef up our card strategy. Since we were spending more on food from U.S. supermarkets, this was a big hole in our spending strategy. The choice was pretty clear: the Amex Gold card was the next card to be added to our wallets.

The Amex Gold card is a great all-around everyday earning card because it earns:

• 4x points at U.S. supermarkets (up to $25,000 a year, 1x thereafter)
• 4x points at restaurants worldwide (up to $50,000 per year, 1x thereafter)
• 3x points on flights booked directly with airlines or through Amextavel.com
• 1x on all other eligible purchases

This brought our dining out at restaurants bonus to 4x points (compared to the 3x or 3% with other cards) and we could finally capitalize on purchases at U.S. supermarkets.

We rarely hit the cap, so we can earn big for grocery purchases most of the time. Not only did the card beef up our spending strategy, but I was also able to add my husband as an authorized user for no additional fee, making it easy for us each to have our own card (rates & fees).

Plus, the Amex Gold card’s benefits helped us get more value from adding a card with a higher annual fee to our strategy:

• $120 Dining Credit: Up to $10 in statement credits monthly at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys (enrollment required)
• $120 Uber Cash: Each month, get up to $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year
• $100 Resy Credit: $100 annual statement credit ($50 semi-annually), redeemable at any U.S. Resy restaurant and other eligible Resy purchases. Enrollment required through your Amex account.
• Dunkin’ Credit: $84 annual statement credit (up to $7/month), redeemable at U.S. Dunkin’ locations. Enrollment required.
• Access to The Hotel Collection and a $100 experience credit when booking at least a 2-night stay
• No foreign transaction fees (rates & fees)

My Top 2 Business Cards

1. Ink Business Preferred^® Credit Card

Ink Business Preferred^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

Ink Business Preferred^® Credit Card

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

Welcome Offer

Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

90,000 points

UP's Offer Valuation*:

$1,800

Annual Fee

$95

APR

19.99% - 25.99% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The Ink Business Preferred^® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.

Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.

Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.

Pros & Cons

Pros

• 3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
• Cell phone protection
• Purchase protection

Cons

• No elite travel benefits like airport lounge access

Read Full Review

Card Highlights

• Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
• Points are worth more when you redeem for travel through Chase Travel℠
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
• Member FDIC

Financial Snapshot

• APR: 19.99% - 25.99% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

As I progressed in my career, a business credit card was the next step in my credit card journey. First of all, I needed to ensure that business purchases were easily identifiable and kept separate from my personal purchases. As with my personal cards, I wanted my first card to be straightforward and easy to understand.

Since I already had a stash of Ultimate Rewards points, I explored the business card options offered by Chase. That led me to the Ink Business Preferred card. This card earns:

• 3x points on the first $150,000 spent in combined purchases in:
  • Shipping purchases
  • Internet, cable, and phone Services
  • Advertising purchases with social media sites/search engines
  • Travel
• 1x points on all other purchases

Since the majority of my early business purchases were internet and phone services, along with business travel, this card aligned with what I was already spending. I appreciated that since the cap is combined, I didn’t have to keep track of each category since I didn’t regularly hit the annual cap.

Not only does the card come with strong bonus earnings, but it also offers great benefits. While the Ink Business Preferred card’s benefits include fraud protection, extended warranty protection, purchase protection, and trip cancellation/trip interruption insurance, I found particular value in the cell phone protection and the roadside assistance.

It was this combination of the points from my Chase Sapphire Preferred card and Ink Business Preferred card that built me a big enough stash of points so my spouse and I could book 2 Emirates first class tickets using points. If we’d paid cash, it would have cost over $2,000 — cheers to flying in style on points!

Hot Tip:

On October 16, 2025, Chase ended its transfer partnership with Emirates Skywards.

2. The Business Platinum Card^® from American Express

ELEVATED WELCOME OFFER

Terms Apply / Rates & Fees

The Business Platinum Card^® from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Apply Now(at Amex's secure site)

The Business Platinum Card^® from American Express

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Welcome Offer

Earn 150,000 200,000 Membership Rewards^® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.

150,000 200,000 points

UP's Offer Valuation*:

Up to $4,400

Annual Fee

$895

APR

18.24% - 28.99% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The Business Platinum Card^® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.

When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,550 lounges, along with tons of annual credits, it’s easy to see why this card is a top option for frequent traveling business owners.

Pros & Cons

Pros

• Earn 5x Membership Rewards points per $1 on eligible travel purchases like flights, prepaid hotels, and prepaid short-term rentals booked through AmexTravel.com
• Access to over 1,550 worldwide airport lounges as part of the American Express Global Lounge Collection
• Earn 2x Membership Rewards points on eligible purchases in key business categories, as well as on purchases of $5,000 or more (on up to $2 million per calendar year)

Cons

• High annual fee of $895 (rates & fees)
• Airline fee credit does not cover airfare, only incidentals like checked bags

Read Full Review

Card Highlights

• Elevated Welcome Offer: Earn 200,000 Membership Rewards^® points after you spend $20,000 in eligible purchases on the Business Platinum Card^® within the first 3 months of Card Membership.
• The American Express Global Lounge Collection^® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
• See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
• New! Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts^® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card^®. The Hotel Collection requires a minimum two-night stay.
• No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
• Make the Business Platinum Card^® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
• Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
• Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR^® Plus Membership (subject to auto-renewal).
• Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
• New! Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
• New! Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
• Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
• Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
• Enhanced! 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
• 5X points on flights and prepaid hotels on AmexTravel.com
• 1X points on other eligible purchases
• $895 Annual Fee.
• Terms Apply.

Financial Snapshot

• APR: 18.24% - 28.99% Variable
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

After a while, I wanted to really ramp up my travel earnings and take advantage of travel luxuries to make traveling that much easier. In my opinion, nothing fits the bill quite like the Amex Business Platinum card.

This card earns:

• 5x points on flights and prepaid hotels booked at AmexTravel.com
• 2x points on eligible purchases at:
  • U.S. construction material and hardware suppliers
  • U.S. Electronic goods retailers and software & cloud system providers
  • U.S. Shipping providers
  • Purchases of $5,000 or more (up to $2 million in purchases per year)
• 1x points on all other eligible purchases

And it also comes with stellar statement credits and luxury travel benefits such as:

• Up to $200 in annual statement credits for airline incidental fees such as checked baggage fees, lounge day passes, and more at 1 selected airline
• Up to $209 back per year on a CLEAR Plus membership
• Up to $1,150 back annually toward U.S. purchases with Dell. Get up to $150 in statement credits on U.S. purchases directly with Dell Technologies, and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year (enrollment required).
• Up to $120 back annually for purchases with U.S. wireless telephone service providers (enrollment required)
• Up to $250 back annually with Adobe after meeting spending requirements (enrollment required)
• Up to $200 Hilton Statement Credit. Once you enroll, you’ll receive up to $200 in Hilton statement credits per calendar year — up to $50 per quarter. Purchases must be made directly with a property in the Hilton portfolio on your Amex Business Platinum card, and a Hilton for Business membership is required.
• A TSA PreCheck or Global Entry application fee credit
• 35% points back after using points for flights booked on your selected airline of choice with AmexTravel.com (up to 1,000,000 points back per year)
• Complimentary access to over 1,550 airport lounges globally, including:
  • The Centurion Network of Lounges and Studios
  • Priority Pass Select (enrollment required)
  • Escape Lounges – The Centurion Studio Partner
  • Plaza Premium Lounge
  • Delta Sky Club when flying Delta
  • Select Lufthansa Lounges when flying Lufthansa Group 
• Complimentary Marriott Bonvoy Gold Elite status and Hilton Honors Gold status upon enrollment
• No foreign transaction fees (rates & fees)

This was the card that took me from savvy traveler to savvy luxury traveler. While some may find the annual fee to be a bit of a shock, I find that I’m able to take advantage of the statement credits and travel benefits, making this card a must in my wallet.

Final Thoughts

With a little bit of homework and an honest look at what you’re currently spending, anyone can build a card strategy to fit your points and miles goals. While the strategy above works for me, you should ask yourself:

• What do you find value in — points, miles, or cash-back?
• What are your current spending habits?

There’s no right or wrong way to build a points and miles strategy so long as you’re getting the most value out of whatever strategy works for you.

If you’re looking for ideas, here are a few guides to show you that there are great cards out there for whatever you want to optimize for:

• The Best Overall Credit Cards
• The Best Airline Credit Cards
• The Best Business Credit Cards
• The Best Cash-back Credit Cards
• The Best Hotel Credit Cards
• The Best Travel Credit Cards