Best Credit Cards of 2016

Selecting the best credit card is a highly individualized process - everyone's spending habits will make one card better than another. In creating the following list, we examined each card's value proposition by studying their rewards rates, APRs, annual fees, bonuses, perks, and more. A true comparison is best made between cards that fit into their individual. As a result, the list below is organized into groups that provide the highest value to individuals seeking the best:

• Rewards: for those who want the highest rewards for each dollar spent
• Business Credit Cards: for businesses that want to turn their expenses into savings
• Balance Transfer Cards: for consumers looking to manage their credit card debt
• Student Credit Cards: for individuals with no credit history, and school related expenses
• Hotel Rewards: for anyone who calls a hotel "home", at least once a year
• Cash Back Rewards: for those who want a simple, monetary reward in exchange for their spending
• International Travel Cards: for those individuals travelling abroad and worried about fees and card-compatibility

Best Rewards Credit Cards

Chase Sapphire Preferred® Card

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The Chase Sapphire Preferred® Card is one of the best rewards credit cards to keep in your wallet, due to its fantastic rewards program, high rewards rates, and fantastic welcome bonus. Using this card to pay for dining and travel purchases leads to rewards rates as high as 2.5%. The Chase Sapphire Preferred® is part of the Ultimate Rewards (UR) family of cards. Every dollar you spend using it earns you UR points which carry a value of approximately $0.0125 each. Additionally, you can transfer your UR points to a number of partner programs, including Southwest Airlines Rapid Rewards® and United MileagePlus®.

Starwood Preferred Guest® Credit Card from American Express

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The Starwood Preferred Guest® Credit Card from American Express offers great travel rewards redeemable for free stays at Starwood properties. You can also transfer your rewards points to one of 150 airline loyalty programs, to be redeemed for free flights! The Starwood Preferred Guest® Credit Card from American Express card is also the only hotel credit card whose rewards rate surpasses the Barclaycard Arrival Plus on general spending. We also like the card’s 25,000 bonus Starpoints® offer, available to those who spend at least $3,000 on purchases within the first 3 months of account opening. We estimate the value of this reward to be around $600. After the recent Starwood-Marriott merger, however, we do not know how much longer this credit card will stick around. More details about this card's fate are sure to surface in late 2016.

Citi Double Cash Card

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The Citi Double Cash is one of the best cash back credit cards, earning users a 2% rewards rate on all purchases. To get the full benefit of the card, you must pay your balance off in full each month, but that’s a practice we encourage all credit card users to follow. The card was released over 2 years ago, and there is still no other offer that beats its flat rate rewards. The Citi Double Cash Card is best for long-term savings, since having no sign-up bonus makes it bad for short-term gains. Be aware that until you spend $20,000 on your Citi Double Cash, the Capital One® Quicksilver® Cash Rewards Credit Card actually provides better value you get through the $100 cash bonus. To qualify for the Capital One® Quicksilver® Cash Rewards Credit Card you must spend at least $500 on purchases within the first 3 months of account opening.

Best Business Credit Cards

Ink Plus® Business Credit Card

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The Chase Ink Plus Business card is great for businesses big and small who find themselves flying at least once per year. With this card you will earn Ultimate Rewards points at fantastic rates on business expenditures (such as purchases at office supply stores and hotel accommodations). The rewards earned can be redeemed for travel arrangements through Chase’s UR portal at a value of $0.0125 per point. The Chase Ink Plus Business also offers one of the top bonuses out of all business credit cards – 60,000 Ultimate Rewards points, worth up to $750 when used for travel bookings through Ultimate Rewards.

Starwood Preferred Guest® Business Credit Card from American Express

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All spending you do with this card can be redeemed back for free flights and free hotel stays – depending on how your spending is distributed, rewards rates can range between 2.4% and 4.8%. On top of this, the card offers 2 free nights at participating hotels, worth up to $768, provided you spend at least $5,000 within the first 3 months of opening the account.. Unlike other cards on this list, the Starwood Preferred Guest® Business Credit Card from American Express will provide decent rewards across all of your business’ spending needs – if your business doesn't have only “classic” small business expenses (such as office supplies).

Capital One® Spark® Cash Select for Business

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The Capital One® Spark® Cash Select for Business is made for businesses looking for pure Cash Back on all spending their. Not every business spends on hotel, travel, pens and paper. For those who have a variety of expenses, and want a card that simply gives them cash back, the Capital One® Spark® Cash Select for Business is the way to go. With this card you receive 1.5% back on every purchase, plus a $200 bonus if you spend at least $3,000 within the first 3 months of your account opening. This card also comes with no annual fee, making it ideal for businesses that don’t spend more than $12,000 a year.

Best Balance Transfer Credit Cards

Chase Slate®

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The thing that separates the Chase Slate® from the rest of the pack is the 0% balance transfer fee, making it well suited for moving over large balances. While other cards on the market charge 3% for every balance transfer, with the Chase Slate you can save yourself the extra cash and use it to pay down your outstanding balance even faster. The Chase Slate® Credit Card gives users 0% APR on balance transfers for the first 15 months an account is open.  Plus, this card has recently started offering free credit score reports, giving you ideal tools to build up your FICO score.

Citi® Simplicity® Card

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The Citi Simplicity card offers users 21 months of 0% APR on balance transfers – that’s the longest time available of any credit card on the market. If you opt for this card you have up to 4 months to transfer a balance over. The 18 month period begins after you make your first transfer. The card also forgives users on the first late payment they make, making it perfect for anyone who might have trouble paying a balance when it’s due.

Ink Cash® Business Credit Card

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If you find that your business needs to transfer a balance in order to avoid interest payments, the Ink Cash® Business Credit Card is one of the best credit cards for you. It offers 0% intro APR on balance transfers for the first 12 billing cycles, and a 3% fee on all balances transferred. Additionally, what makes this the best credit card for businesses in need of balance transfers is the fact that it has no annual fee. If you are carrying a balance and worrying about saving costs, you don’t want your credit card to become an additional expense. Plus, once your balance is paid off, you’re left with a great cash back credit card for your business, which can give you up to 5% off certain purchases.

Best Student Credit Card

Journey® Student Rewards from Capital One®

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The Journey® Student Rewards from Capital One® is great for students for a number of reasons - including decent rewards, and great credit tools. The card offers a flat 1.25% rewards rate on all purchases, as long as you remember to pay your bills on time (if you're late, you earn just 1% back). The Journey® credit card also gives students access to their credit score, through the Capital One® CreditWise®. This tool allows cardholders to monitor their credit, see what factors are impacting it, as well as run simulations to see how an action might affect their score. This is particularly valuable to students who are just now beginning to learn about credit histories.

Discover it® for Students

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Discover it® for Students gives 5% off on certain categories of spending that change throughout the year, up to a quarterly maximum. We recommend checking out the card's bonus category calendar to see if the categories match up with your spending patterns. If you are not making purchases in the bonus categories, this card only offers 1% back - which is not a good value. While the Discover it® for Students card doesn't have a traditional signup bonus, it makes up for it in two ways. Firstly, the card offers cash back incentives for students with good grades ($20 each year your GPA is a 3.0 or higher, for up to 5 years). Secondly, new cardmembers will have their total cash back rewards doubled at the end of their first year - this puts the Discover it® for Students above most cards, at least for that first year you hold onto it.

Citi® ThankYou® Preferred Credit Card for College Students

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The Citi ThankYou Preferred card is great for college students looking to earn rewards points they can later redeem for flights and gift cards though the latter offers the worst value. Cardholders have more redemption options, such as cash back and Amazon.com purchases – we recommend staying away from these options as they give your points sub-par value (<$0.01). You can also get 2,500 bonus ThankYou points after spending $500 within the first 3 months of card membership – a $20 value.

Best Hotel Credit Cards

Starwood Preferred Guest® Credit Card from American Express

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As one of the top rewards cards overall, the Starwood Preferred Guest® Credit Card from American Express gives you some of the best value on hotel stays, for an annual fee of $95 (waived the first year). On top of giving fantastic rewards for spending at hotels, the Starwood Preferred Guest® Credit Card from American Express also has decent general spending rewards (2.4%), making it a good all-around credit card. As long as you don't mind staying loyal to the Starwood brand, this card offers some of the highest savings on hotels, of any credit card on the market.

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A lot of hotel-specific cards only provide good value as long as your spending skews towards their specific brand. With the Barclaycard Arrival Plus all your spending is rewarded equally well (a 2.1% rewards rate on travel expenses). One of the best things about the Barclaycard Arrival plus is the freedom it affords you. All the spending rewards miles you earn can be redeemed as statement credit on all travel related expenses – with this card you are never tied to a single hotel chain or brand.

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Other than being rewarded for Hyatt purchases, this credit card gives 2 points for every $1 spent at restaurants, airline tickets purchased directly from the airline and at car rental agencies – expenses many travelers will face. The card’s biggest value-proposition is the signing bonus – 2 free night stays at a Hyatt property. That’s a potential $1,000 value if you book the right rooms using your bonus. Additionally, each year after that you will receive one free night at any category 1-4 hotel. This can easily cover the card’s $75 annual fee, and then some!

Best Cash Back Credit Cards

Citi Double Cash Card

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The Citi Double Cash offers unlimited 2% back on all purchases. This is the highest rewards rate you can get for a cash back card, without rotating categories. If you are interested in a simple to use credit card, and not want to worry about redeeming points then this is your best option. Note that to get the full 2% cash back, you must pay off your credit card balance in full each month - otherwise you will only get 1% back. Since there are no bonuses offered by the card, it will take $20,000 of spending before this card eclipses the next card on our list. 

Capital One® Quicksilver® Cash Rewards Credit Card

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The best immediate cash back savings, for individuals who can spend $500 in the first 3 months their account is open. If you meet the aforementioned spending requirement you will receive $100 worth of cash back credit. Outside of this, the Capital One® Quicksilver® Cash Rewards Credit Card offers 1.5% cash back on all other purchases, which is nothing to sneeze at. There are few other credit card that offer this kind of early spend bonus, accompanied by a fixed cash back rate as high as the Quicksilver®'s. Be sure not to confused this card with the Capital One® QuicksilverOne® Credit Card. The latter offers similar benefits, but comes with an annual fee.

Chase Freedom®

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The Chase Freedom® gives users 5% back on certain categories throughout the year, and 1% back on everything else. If you were to take advantage of the 5% offer, the Chase Freedom® gives unparalleled savings – though it is capped at $75 per quarter, or $300 per year. The Chase Freedom® has some of the most unique partnerships of any rotating category card. For Q2 2016, for instance, cardholders received 5% back on purchases at grocery stores and wholesale clubs.

Best Credit Cards for International Travel

Barclaycard Arrival Plus™ World Elite MasterCard®

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If you’re traveling overseas, and find yourself having to use your credit card you will be glad to have the Barclaycard Arrival Plus with you, as many places will not accept ordinary magnetic strip credit cards. Very few cards issued in the U.S. offer chip & pin EMV technology, which is used widely across Europe and the rest of the world. The Barclaycard Arrival Plus is one of the few cards that supports this tech. On top of being accepted everywhere, the card will not cost you anything extra for using it abroad. The Barclaycard Arrival Plus has no foreign exchange fee, whereas most U.S. credit cards will charge users 3% whenever using their card abroad.

Chase Sapphire Preferred® Card

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The Chase Sapphire Preferred® Card is an all-around great card, earning you points to one of the highest valued rewards programs around. As an added benefit, the card comes with no foreign exchange fees, and an EMV chip installed (though it of the chip & signature variety). Using this card for dining and travel expenses is a great way to earn free flights. You will get the best possible value if you book all your flights using Chase's UR portal.

BankAmericard Travel Rewards® Credit Card

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The BankAmericard Travel Rewards® Credit Card is one of the few 'no annual fee' credit cards to also not charge a foreign transaction fee. If a consumer’s spending is on the lower side of things, and they don’t feel like paying upwards of $95 for a travel rewards credit card, the Bank Americard Travel Rewards will provide the best value – especially when used abroad. As the other cards on this list, this card also sports an EMV chip (chip & signature).

Finding The Best Credit Card Specifically For You

In order to find out which credit card is truly best for the way in which you spend, you should make use of our tool below. Enter your estimated monthly spending per category, and we will do all the math for you - calculating which credit cards will yield you the highest returns.

RewardsNet Rewards RateAPRAnnual FeeBonus ValueRewards By MonthRewards Rate By Month

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Savings Through (Through 24 Months)	Rewards	Dollars

Monthly Spend: $1,430

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Card	Annual Fee	Net Rewards Rate ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. The estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.	Bonus ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. The estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.	Rewards Value ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. The estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.
Starwood Preferred Guest® Credit Card from American Express
	$0 introductory annual fee for the first year, then $95. *Rates and Fees	3.69%	$600	$1,329
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Annual Fee $0 introductory annual fee for the first year, then $95. APR 15.49%-19.49% Variable Card Details Get 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months. No Foreign Transaction Fees on international purchases. Receive free in-room, premium internet access. Booking requirements apply. Enjoy complimentary, unlimited Boingo Wi-Fi on up to four devices at more than 1,000,000 Boingo hotspots worldwide. Enrollment required. Get free nights at over 1,200 hotels and resorts in nearly 100 countries with no blackout dates. Some hotels may have mandatory service and resort charges. $0 introductory annual fee for the first year, then $95. Terms and Conditions apply. Estimated Rewards Through 24 Months Card Rewards Dollars* Spending Rewards 34,320 824 Bonuses 25,000 600 Less Annual Fees 95 Total 59,320 1,329
Barclaycard Arrival Plus™ World Elite MasterCard®
	$89-Waived first year *Rates and Fees	3.21%	$525	$1,157
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Annual Fee $89-Waived first year APR 16.24%, 20.24% or 23.24% Variable Card Details Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $500 travel statement credit Earn 2X miles on all purchases Redeem for travel or cash back statement credits, gift cards and merchandise. Redemption values vary Get 5% miles back to use toward your next redemption, every time you redeem Miles don't expire as long as your account is open, active and in good standing No foreign transaction fees on anything you buy while in another country 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 16.24%, 20.24% or 23.24%, based on your creditworthiness. Please note, there is a fee for balance transfers Estimated Rewards Through 24 Months Card Rewards Dollars* Spending Rewards 68,640 721 Bonuses 50,000 525 Less Annual Fees 89 Total 118,640 1,157
Chase Sapphire Preferred® Card
	$0 Intro for the First Year. Then $95	2.86%	$625	$1,028
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Annual Fee $0 Intro for the First Year. Then $95 APR 16.24%-23.24% Variable Card Details Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards® Named a 'Best Credit Card' for Travel Rewards by MONEY Magazine 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases. Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening No foreign transaction fees 1:1 point transfer to leading airline and hotel loyalty programs Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards Estimated Rewards Through 24 Months Card Rewards Dollars* Spending Rewards 39,840 498 Bonuses 50,000 625 Less Annual Fees 95 Total 89,840 1,028
Hyatt Credit Card
	$0 Intro Annual Fee for the first year then $75	2.70%	$350	$972
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Annual Fee $0 Intro Annual Fee for the first year then $75 APR 15.99% Card Details Earn 2 free nights after spending $1,000 within the first 3 months 3 points for every $1 spent on Hyatt purchases 2 points for every $1 spent at restaurants and airline tickets purchased directly from the airline and at car rental agencies 1 point for every $1 spent otherwise No foreign transaction fees One free night every year on your cardmember anniversary. Receive 2 stay credit and 5 night credits toward DIamond status upon spending $20,000 in each calendar year Receive an additional 3 stay credits and 5 night credits toward Diamond status upon spending $40,000 in each calendar year Estimated Rewards Through 24 Months Card Rewards Dollars* Spending Rewards 39,840 697 Bonuses 0 350 Less Annual Fees 75 Total 39,840 972
Starwood Preferred Guest® Business Credit Card from American Express
	$0 introductory annual fee for the first year, then $95 *Rates and Fees	2.02%	$0	$729
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Annual Fee $0 introductory annual fee for the first year, then $95 APR 15.49% - 19.49% Variable Card Details For the first time, earn 2 free nights at participating SPG® Category 1-5 hotels & resorts worldwide after you use your new Card to make $5,000 in purchases within the first 3 months. Note: A select few resorts require additional fees. Offer ends 10/19/2016. Redeem Starpoints® for free nights at over 1,300 hotels & resorts in over 100 countries. Redeem Starpoints® for free flights on over 150 airlines with SPG Flights - all with no blackout dates. Some hotels and resorts have mandatory service charges. No Foreign Transaction Fees on international purchases. Free, unlimited Boingo Wi-Fi at more than 1,000,000 Boingo hotspots worldwide. Enrollment required. $0 introductory annual fee for the first year, then $95. Terms and conditions apply Estimated Rewards Through 24 Months Card Rewards Dollars* Spending Rewards 34,320 824 Less Annual Fees 95 Total 34,320 729
BankAmericard Travel Rewards® Credit Card
	$0.00 *Rates and Fees	1.99%	$200	$715
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Annual Fee $0.00 APR 15.24% - 23.24% Variable APR on purchases and balance transfers Card Details Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 statement credit toward travel purchases Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees Now with chip technology for enhanced security and protection at chip-enabled terminals 0% Introductory APR for 12 billing cycles for purchases, then 15.24% - 23.24% Variable APR Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%. Click "Apply Now" to learn more about Preferred Rewards. Estimated Rewards Through 24 Months Card Rewards Dollars* Spending Rewards 51,480 515 Bonuses 20,000 200 Total 71,480 715
Capital One® Spark® Cash Select for Business
	$0	1.99%	$200	$715
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Annual Fee $0 APR 13.24% - 21.24% (Variable) Card Details Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months of approval Save on interest with 0% intro APR on purchases for 9 months; 13.24%-21.24% variable APR after that No annual fee Use Spark Cash Select across all your business spend, with no categories to limit your purchasing Rewards don't expire, and you can redeem your cash back for any amount, anytime Get employee cards at no additional cost, and earn rewards from their business spend Note: The information in this box was provided by Capital One® and is not part of our independent analysis. Estimated Rewards Through 24 Months Card Rewards Dollars* Spending Rewards 515 515 Bonuses 0 200 Total 515 715
Citi Double Cash Card
	No Annual Fee	1.91%	$0	$686
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Annual Fee No Annual Fee APR 12.99%, 17.99% or 22.99% Variable Card Details 1% cash back on purchases and another 1% cash back when you pay for those purchases Estimated Rewards Through 24 Months Card Rewards Dollars* Spending Rewards 686 686 Total 686 686
Capital One® Quicksilver® Cash Rewards Credit Card
	$0	1.71%	$100	$615
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Annual Fee $0 APR 13.24% - 23.24% (Variable) Card Details One-time $100 cash bonus after you spend $500 on purchases within 3 months of approval Earn unlimited 1.5% cash back on every purchase, every day Every 10th Uber ride is free up to $15 when you pay with your Quicksilver card through March 31, 2017 No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn't expire and there's no limit to how much you can earn 0% intro APR on purchases for 9 months; 13.24%-23.24% variable APR after that Balance transfers also have a 0% intro APR for 9 months; 13.24%-23.24% variable APR after that; a 3% fee applies to each balance transferred Pay no annual fee or foreign transaction fees Note: The information in this box was provided by Capital One® and is not part of our independent analysis. Estimated Rewards Through 24 Months Card Rewards Dollars* Spending Rewards 515 515 Bonuses 0 100 Total 515 615
Chase Freedom®
	$0	1.37%	$150	$493
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Annual Fee $0 APR 14.24%-23.24% Variable Card Details Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate Unlimited 1% cash back on all other purchases - it's automatic 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum Enjoy new 5% categories every 3 months like gas stations, restaurants, and wholesale clubs Cash Back rewards do not expire as long as your account is open No annual fee Estimated Rewards Through 24 Months Card Rewards Dollars* Spending Rewards 343 343 Bonuses 0 150 Total 343 493
Citi® ThankYou® Preferred Credit Card for College Students
	No Annual Fee	1.18%	$25	$423
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Annual Fee No Annual Fee APR 13.99%, 18.99% or 23.99% Variable Card Details Earn 2,500 bonus ThankYou points after you spend $500 within the first 3 months Earn 2 ThankYou points per dollar on purchases for dining at restaurants and entertainment Earn 1 ThankYou point per dollar on other purchases Estimated Rewards Through 24 Months Card Rewards Dollars* Spending Rewards 39,840 398 Bonuses 2,500 25 Total 42,340 423
Discover it® for Students
	$0	0.95%	$0	$343
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Annual Fee $0 APR 13.24% - 22.24% Variable* Card Details Discover matches all the cash back you've earned at the end of your first year - automatically. Only for new cardmembers.* 5% cash back in categories that change each quarter like gas, restaurants, home improvement stores and more -up to the quarterly maximum when you sign up.* 1% cash back on all other purchases. Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.* No annual fee.* No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.* Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.* Freeze ItSM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.* Plus get 100% U.S. based customer service. 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 13.24% - 22.24%. Click "Apply Now". *See rates, rewards, FICO® Credit Score terms & other information. Estimated Rewards Through 24 Months Card Rewards Dollars* Spending Rewards 343 343 Total 343 343
Journey® Student Rewards from Capital One®
	$0	0.95%	$0	$343
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Annual Fee $0 APR 20.24% (Variable) Card Details Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month There's no limit to the amount of cash back you can earn, and rewards don't expire Get access to a higher credit line after making your first 5 monthly payments on time Pay no annual or foreign transaction fees Fraud coverage if your card is lost or stolen Pick the monthly due date that works best for you Note: The information in this box was provided by Capital One® and is not part of our independent analysis. Estimated Rewards Through 24 Months Card Rewards Dollars* Spending Rewards 343 343 Total 343 343
Ink Plus® Business Credit Card
	$95	0.56%	$0	$201
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Annual Fee $95 APR 15.49%-19.49% Variable Card Details Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards® Earn 5 points per $1 on the first $50,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year Earn 2 points per $1 on the first $50,000 spent in combined purchases at gas stations and hotel accommodations when purchased directly with the hotel each account anniversary year Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn No foreign transaction fees Employee cards at no additional cost $95 Annual Fee Estimated Rewards Through 24 Months Card Rewards Dollars* Spending Rewards 39,120 391 Less Annual Fees 190 Total 39,120 201