CREDIT CARDS
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Everyday Credit Cards
"Get rewarded on fixed expenses"
Flex
Earn $200 cash-back after you spend $500 on purchases in your first 3 months from account opening. Earn 5% cash-back on groceries and rotating categories. No annual fee.
Unlimited
Earn $200 cash-back after you spend $500 in the first three months from account opening. Earn unlimited 1.5% cash-back on every purchase - it's automatic!. No annual fee.
Blue Cash Preferred
Earn $300 after you spend $1,000 in purchases in the first 3 months of account opening. Earn 6% cash-back on groceries and 3% at gas stations. The annual fee is $95.
Premier Credit Cards
"For Traveling & Eating out"
Preferred
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. 2X points on travel and dining. Complimentary doordash subscription. 5X points on left rides. The annual fee is $95.
Reserve
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. 3X points on travel and dining. $300 travel annual credit. Complimentary priority pass. The annual fee is $550
Ink Biz Preferred
This card used to earn 80,000 points after you spend $5,000 on purchases in the first 3 months after account opening. Currently, it is offering 100,000 points after you spend 15,000 in the same period. The annual fee is $95.
Co-Branded Credit Cards
"For those Interested in the Companion Pass & Hotel Stays"
Southwest Plus
Earn 40,000 points after you spend $1,000 on purchases in the first 3 months from account opening. Also, earn 3,000 anniversary points each year. 2 points on Southwest purchases and 1 point on everything else. The annual fee is $69.
Southwest Premier
Earn 60,000 points after you spend $3,000 on purchases within the first 3 months of account opening. Also, earn 6,000 anniversary points each year. 2 points on Southwest purchases and 1 point on everything else. The annual fee is $99.
IHG Premier Club
Earn 140,000 bonus points after you spend $3,000 on purchases in the first 3 months from account opening. Earn 2X points on purchases at gas stations, grocery stores, and restaurants. The annual fee is $89.
Business Credit Cards
"Great options for your business"
Ink Biz Cash
Earn 50,000 points after you spend $3,000 on purchases in the first 3 months after account opening. Earn 1% cash back on all purchases. No annual fee.
Ink Biz Unlimited
Earn 50,000 points after you spend $3,000 on purchases in the first 3 months after account opening. Earn 1.5% on every purchase for your business. No annual fee.
Ink Biz Preferred
Earn 100,000 points after spending $15,000 in the first 3 months after account opening. Earn 1% cash back on all purchases. The annual fee is $95.
So How Does It Work?
Strategy
Whether you want to accumulate points or miles, or simply earn cash-back, you need to set goals and devise a strategy that is appropriate for you.
Sign up
Based on your objectives, do your research and sign up for a credit card that offers maximum benefits in the form of a sign-up bonus or cash-back.
Discipline
Once you're approved make sure you meet the requirements to get the signup bonus or cash-back. At the end of the month pay the card in full. Avoid fees and interest.