Stefan’s Travel Rewards Card Picks

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I’ve partnered with Upgraded Points because the site has the most detailed, user-friendly online miles and points guides that they keep regularly updated. I frequently advise on content and contribute to improve and update articles for beginner to advanced audiences.

I write the blog Rapid Travel Chai, founded the Facebook group Every Passport Stamp, and speak on travel and frequent flyer programs at conferences and events around the world.

Always on the Lookout for More Rewards and More Travel

Smart investment of time to maximize rewards on personal and business spend can pay off in ‘once in a lifetime’ trips again and again!

Stefan Red Crab Migration Christmas Island
The red crab migration on Christmas Island, Australia, booked with Delta SkyMiles on Virgin Australia

Chase Ultimate Rewards

The most valuable credit cards for me have flexible rewards programs like Chase Ultimate Rewards that have both airline & hotel transfer partners, and solid points for cash travel awards.

My Ultimate Rewards points go to:

  • Star Alliance carrier flights for my country collecting, booked with United MileagePlus
  • Business class flights for my wife on Korean Air (her favorite airline)
  • Romantic stays at Hyatts

I pool points earned from my personal and business Chase cards, maximizing category bonuses such as:

  • 3x travel on the Chase Sapphire Reserve and Ink Business Preferred
  • 5x category bonuses of the Chase Freedom and Ink Business Cash
  • 1.5x everywhere ease of the Chase Freedom Unlimited and Ink Business Unlimited

My Recommended Chase Personal Cards

CHASE PERSONAL CARDBENEFITS & INFO
Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card
  • LIMITED TIME OFFER! Earn 80,000 bonus points after spending $4,000 within the first 3 months (highest ever bonus!)
  • Earn 2x points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out
  • Earn 1x on all other purchases
  • Good to Excellent Credit Recommended (670-850)
  • Annual Fee: $95
Chase Freedom Unlimited®

Chase Freedom Unlimited® Card
  • Earn $200 bonus after you spend $500 on purchases in your first 3 months. Unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99% - 23.74%.
  • Annual Fee: $0

My Recommended Chase Business Cards

CHASE BUSINESS CARDBENEFITS & INFO
Ink Business Cash℠ Credit Card

Ink Business Cash℠ Credit Card

  • Earn $500 bonus cash back
  • Earn 5% cash-back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash-back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • 0% introductory APR for 12 months on purchases, then a variable APR of 13.24% - 19.24%
  • Annual Fee: $0
Ink Business Preferred® Credit Card

Ink Business Preferred℠ Credit Card
  • Earn 100,000 bonus pointsafter you spend $15,000 on purchases in the first 3 months.
  • Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year
  • Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn
  • 25% more value when redeeming points through Ultimate Rewards® travel
  • Annual Fee: $95

American Express Membership Rewards

The American Express Membership Rewards program is also great value for me:

  • Delta is my primary airline and there are hidden gems with Delta SkyMiles when you know where to look
  • Virgin Atlantic Flying Club is useful for awards on Delta that can be much cheaper than Delta charges
  • ANA Mileage Club is an underrated Star Alliance program
  • Air Canada Aeroplan works great for Star Alliance, too, on airlines where surcharges are not added
  • British Airways Executive Club is great for short-distance flights on Oneworld airlines and Alaska Airlines
  • Choice Privileges are a sleeper value for stays in Europe with breakfasts often included

The new American Express® Gold Card is incredible for spend at US Restaurants as well as US Supermarkets. See the details below!

Delta Elite Status

I love Delta Diamond Medallion status and the Medallion Qualification Mile (MQM) Boosts of the American Express Delta Platinum and American Express Delta Reserve get me closer to soon reaching 2 million lifetime miles!

I prefer the business versions of these cards because monthly spend does not show on credit reports. I frequently spend a lot on these cards and would not want my reported credit utilization to increase.

CREDIT CARDCARD INFO
Delta SkyMiles® Gold Business American Express Card

Delta SkyMiles® Gold Business American Express Card
  • Limited Time Offer: Earn 60,000 bonus miles after you spend $3,000 in purchases on your new Card in the first 3 months (expires 10/28/2020).
  • Annual Fee: $0 introductory annual fee for the first year, then $99.
  • For rates and fees of the Delta SkyMiles® Gold Business American Express Card, please click here.
Delta SkyMiles® Platinum Business American Express Card

Delta SkyMiles® Platinum Business American Express Card

  • Limited Time Offer: Earn 70,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $4,000 in purchases on your new Card in the first 3 months (expires 10/28/20).
  • Annual Fee: $250
  • For rates and fees of the Delta SkyMiles® Platinum Business American Express Card, please click here.

New from Hilton

The refreshed lineup of Hilton cards is worth a look, especially the Hilton Honors Surpass® Card from American Express or the Hilton Honors American Express Business Card for giving Hilton Honors Gold status and their earning potential.

A ‘No Brainer’ Card for Businesses

For business owners, the American Express Blue Business℠ Plus earns 2x points everyone up to $50,000 per year and has no annual fee, yet can transfer to all Membership Rewards partners. An incredible value!

For those who prefer cash back, the American Express® Blue Business Cash Card is a great small business option with a simple earning structure of 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1.

My Travel

Stefan on Tristan da Cunha
Reaching remote Tristan da Cunha in the South Atlantic on the final call by the Royal Mail Ship St Helena

I travel America and the world for business and pleasure. I got into rewards credit cards to achieve my goal of traveling to every country in the world – I’ve been to 190 and have 3 to go.

I am decades ahead of where I thought I would be before I learned the value of miles and points.

Miles and points mean that when my wife wants to celebrate her birthday in Hong Kong, a bit of nostalgia from when we were living in Asia and dating, we can do it in style. Or I can bring my family in for my father’s 70th birthday celebration this year during peak summer travel season.

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