Best credit cards for 2019

Here's the best credit card for 2019, which gets you free flights and hotel stays without nickel-and-diming you.

Ramit Sethi

I’ve shared my favorite personal banking tips with you in the past.

Today, we’re going to talk about credit cards.

Let’s get to it.

When my book was originally published, I named names. This is why some banks will never, ever partner with me. Oh well!!

My old favorite credit card: Citi PremierPass card

Anyway, in the first chapter on credit cards, I shared the details of my favorite credit card at the time: the Citi PremierPass card. In fact, I had used it as my primary credit card for several years and recommended it to hundreds of thousands of people.

That’s changed now.

Citi tightened up on its credit-card lineup, dropping several of their most compelling rewards. This was highlighted in a devastating column in the New York Times.

Hilariously, Citi actually mailed out a note to cardholders trying to spin the reduction of benefits into something like “exciting new features” — but it was obvious to anyone with a pulse that the most compelling rewards were being removed.

And so I began an exhaustive search for a new credit card. Because I spend a significant amount on my credit card, I expect significant rewards. Also, I consider it a fun game to find the 99.99999th percentile best card in the world.

Today, I’ll share my new favorite credit card. I consider it the best credit card on the market — even better than my old Citi card — and in addition to using it myself, it’s the card I’m recommending to my readers.

First, 6 rules about credit cards

  1. Interest rate doesn’t matter if you don’t carry a balance. The interest rate is irrelevant, as long as you’re paying off your entire balance each month. Don’t keep a balance, please – if you are, stop reading now and read our article on crushing debt to get it down.
  2. Use a rewards card. The vast majority of people should use a rewards card. If you’re already spending money, you should be rewarded for it. Exceptions are people who can’t qualify, who should instead use a secured credit card.
  3. Travel credit cards are better than cash back. Most people would benefit more from travel rewards than from cash back. I describe the details of why travel credit cards are better here. For some reason, people get really mad when I make this recommendation, but I don’t care.
  4. General rewards cards are better than airline-specific cards. Unless you fly a majority of flights on the SAME airline, I prefer a general travel card instead of an airline-specific card (like a United card). For example, I fly JetBlue and Virgin a lot, so I want a travel card that I can redeem on multiple airlines, not just one.
  5. Annual fees are not Satan’s spawn. I know it may be blasphemy to personal finance “experts,” but I’m willing to pay an annual fee for my credit card! OMG! This is why you can call me RTR: Ramit The Rebel. In some cases, there are no-fee versions of the card, so you should always calculate if you spend enough to justify it. Still, $65/year is just not that significant to my financial situation anymore.
  6. I am merciless about using my credit card perks. Credit card benefits can easily be worth $1,000/year. DO THIS.

Bonus: Want even more great advice for money management? Check out my new Free Ultimate Guide to Personal Finance.

What I want from the best credit card

My bottom line is this, the best credit card is the one that gets you the most free flights and free hotels. For example, I want a card that rewards me when I go on vacation, travel for friends’ weddings, or travel between NYC and SF.

Alternatively, I want to upgrade to business class when I travel abroad.

And I don’t want to be nickel-and-dimed for idiotic things like blackout dates, penalties, and fees.

So with that in mind, here is…

The best credit card for 2019

The best credit card for 2019 is the Chase Sapphire Reserve® Credit Card from Chase.

This is the best travel card on the market in 2019. Here’s why:

4 Sapphire Reserve perks that matter most

  1. 50,000 point sign-up bonus: Chase Sapphire Reserve gives you 50,000 bonus points for signing up if you spend $4,000 on the card in the first few months. As my friend Brian Kelly from The Points Guy points out, that’s $1,000 in value — meaning if you can commit to that $4,000 spending amount, the $450 yearly fee pays for itself — twice.
  2. $300 annual travel credit: A lot of travel cards offer travel credits — money they just give you back at the end of the year for spending on travel. At $300, Sapphire Reserve’s travel credit is on the high end. Not only that — it applies to any travel purchase, including airlines, hotels, cruise lines, travel agencies, car rentals, even Airbnb and Uber. (You can find a full list of what Chase counts as “travel’ on their FAQ page here.) That makes it super easy to get that $300 credit, and makes the $450 yearly fee even less of a barrier.
  3. 3X points on travel AND dining worldwide: Chase gives you 3X the points for money you spend on flights, cruises, hotels, car rentals, trains, taxis, and … wait for it … FOOD. If you follow me on Instagram, you know how important food is to me, and you better believe I think this perk is amazing.
  4. No blackout dates or restrictions: Some cards restrict use of their card on certain types of flights or on certain dates (like around the holidays). Not Sapphire Reserve.

Other perks:

  • Chase Unlimited Rewards®. This is Chase’s premier rewards program, which lets you redeem rewards for travel, experiences, gift cards, cash back, and more.
  • Unlimited points. There’s no limit to how many points you can earn, and points don’t expire as long as you keep the card open.
  • 1X points per dollar on all other purchases.
  • Terms and restrictions apply.

A quick note about fees

As I’ve said already, credit card fees are NOT Satan’s spawn, and you don’t need to utter any chants or spells to protect yourself from them.

That said, the $450 fee for the Sapphire Reserve is steeper than most, so it’s worth talking about. If you’re a heavy traveler like me, that’s not a problem, because the rewards you’re racking up will make that fee up in no time. Even if you’re a lighter traveler who only does one vacation per year and flights home for the holidays, you can recoup that fee no problem. Plus, there’s that easy-to-grab $300 travel credit, which effectively lowers the fee to $150 per year.

Still, a fee’s a fee. If you’re not 100% comfortable with a fee that steep, or you’re not sure how much use you’ll get out of it, try the Chase Sapphire Preferred Card (mentioned below). It has some of the same perks as the Reserve, but a much lower yearly fee of $95, which you can waive for the first year.

Places to read about this Sapphire card

You should always do your own research. Here are two places to see what others have said, as well as understand the perks/rewards in great detail.

Other travel credit cards I recommend

I know that this card isn’t for everyone.

That’s why I turned to one of my friends, Chris Guillebeau, to get his other top 3 favorite travel credit card picks.

Chris has traveled to 193 countries (yes, that’s every one of them) and he regularly earns more than one million miles a year, with the majority coming through credit card bonuses and other non-flying activity. One reason he was able to do this is because half of his trips were nearly free — all paid for with miles and points from his rewards credit cards.

Here’s everything you need to know about travel credit cards. If you just want the highlights, keep reading.

1. Chase Sapphire Preferred® Card

First up is the Chase Sapphire Preferred® card, mentioned above.

What Chris loves about this card:

  • Double points on all dining and travel expenses.
  • No foreign transaction fees.
  • You can get the annual fee waived the first year — so it makes signing up a no-brainer.

If you don’t have it already, now’s the time to get started.

2. The Chase Freedom Unlimited (SM)

What Chris loves about this card:

  • When you spend $500 in the first three months, you instantly get $150 cash back.
  • No annual fee — ever.
  • Unlimited 1.5% cash back on all purchases.

3. The Platinum Card® from American Express

What Chris loves about this card:

Even though this card comes with a steep $450 annual fee (that can’t be waived), it comes with a TON of great benefits for heavy travelers, including:

  • Lounge access in the U.S. and throughout the world.
  • $200 credit that can be used for airline extras on any carrier.
  • Reimbursement for your Global Entry application.
  • No foreign transaction fees on any purchases.

Want more? Here’s everything you need to know about travel credit cards, or head over to Chris’s site, Cards for Travel, for more info on any of these cards and more travel tips.

Other credit cards I recommend

For cash back, I like the Alliant card and Fidelity card.

Should you keep your old credit card?

My recommendation: If you’re looking for a good credit card, apply for this, and if you get accepted, start transitioning your auto-pays to this card and start accumulating miles. You can close your old accounts or keep a small amount autopaying on it.

If you want my favorite credit card

If you’re interested in getting this card, here’s a link to see if you’re approved.

P.S. I have a few special, obscure tools I use with my credit card to optimize the experience. I’ll write about those in the future.

Tomorrow, the best savings account for 2019.

Bonus: Get more exclusive credit card perks

You can now get a full chapter on optimizing your credit cards from my New York Times bestselling book, I Will Teach You To Be Rich, for free.

It’ll help you tap into even more perks, max out your rewards, and beat the credit card companies at their own game.

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  1. avatar

    My favorite credit card is the Citi Forward card. You get 5 Thank You points for the following categories:
    – Restaurants, bars/clubs, Starbucks (80% of my monthly expenditures)
    – Movie theaters
    – Book and music stores
    You also get the following features:
    – 1 Thank You point on every other purchase
    – 6000 bonus points after $250 purchases in the first 3 months
    – 2500 bonus points for signing up for paperless billing
    The Thank You points can be redeemed generally for $100 gift cards for 10,000 points. So you get 8,500 ($85) pretty easily in the first 3 months. I usually get Bloomingdales, CVS, or gas gift cards.

    • avatar

      Seems like Lifehacker agrees with me on this card. Also Amazon counts as a bookstore for rewards purposes. You get an effective 5% reward rate if you only cash out $100 gift cards.

    • avatar

      The card doesn’t exist anymore, unfortunately. Be happy you got it while the gettin’ was good.

  2. avatar

    The “Fidelity 1.5% cashback card” link actually takes us to “Fidelity® Investment Rewards® Visa Signature® Card.” It isn’t a cash-back card at this point.

    Just FYI.

    • avatar

      Technically, it is a cash-back card and it’s 2%, not 1.5%. You do have to deposit it into a Fidelity account to get the 2% cash back (otherwise it’s 1%), but you can withdraw it as soon as it’s in the account if you don’t want to keep it there. Or you can get the Citi Double Cash, which is a flat 2% without the extra process.

  3. avatar
    Andrew H

    Boy I wish I had been looking out for this 6 months ago. Just got done paying for a wedding on my Chase Sapphire (paid off in full every month) and going to 3 friends’ weddings (ending this weekend). With this I easily could have stayed on Maui for free.

  4. avatar

    Any suggestions on a good travel card that is Master Card or Visa? There are not many AMEX vendors in the mid west.


  5. avatar

    If you are recommending a Fidelity card as a non-travel card, this one is way better:

    AMEX & 2% cash back (into Fidelity account, not a check, but you have to have a Fidelity account to get the card anyways).

    • avatar

      That’s the card he recommended (He just wrote 1.5% instead of 2%). It’s not an Amex anymore, though.

  6. avatar
    Kyle Meyer

    Lovely series Ramit, I’ve been looking to switch checking accounts and have been on the look out for a better card than my Discover More. Would you also consider doing a best brokerage account?

  7. avatar

    I’ve had this card for 5 years and agree, it is great! I just used my points to get the following discounts for my honeymoon: 2 nights free and the rest at half off. Pretty great for a luxury hotel. While there I waived the insurance when renting a car. Most places did accept the card, btw.

    I also paid for most of our wedding with it. So I have tons of points for our next vacation. It’s really like a secondary savings.

    They are also very good about contesting unknown charges (I returned something and was not credited by the retailer). It only happened once, but was impressed with how quickly AMEX handled the situation.

    Well worth the minor annual fee.

  8. avatar

    So can I ask — just how low is the AMEX “ridiculously low” credit limit? I might get one to pay for wedding deposits etc, but those are in the thousands of dollars… so if it’s only $1000 or so it wouldn’t be feasible for me.

    Love these recommendations, keep them coming!

    • avatar

      I just applied for a blue preferred amex on my phone in like 3mins and was approved instantly for a $15k limit.

      Not sure I agree that’s a low ceiling, but maybe at certain credit levels it’s a different story. For reference my scores are mid to high 700s.

      I do very little travelling and spend plenty on fuel and geoceries so this was a good card for me and well worth the $75 annual fee. Easy enough if I need to carry a balance (rarely the case) to put on another card.

  9. avatar

    anyone else having trouble with the survey page not working?

  10. avatar

    He is right the limit was really low to start. Like $500. It was a real pain to start because I wanted to use it to get points but I would always max it out and I could only pay off the balance online once a month. After 60 days they let me pay it off whenever I wanted so the limit was less of a big deal and they gradually increased it. I will say though that I have made significant use of the free hotels and they are really nice ones. I highly recommend it. Its very useful once you get past the annoying first few months.

  11. avatar

    hard to pass up a 10% money market rate where your rewards get rolled into. kicker is you have to be a member of the credit union. granted the rate can change at any time just like any rewards programs can but this card has been sweet.

  12. avatar

    I got a bit anal like this earlier this year but came to a different conclusion. For me, I like the freedom of cash-back for one very important reason, miles don’t earn interest. I got the Capital One Venture card. The annual fee (waived the first year) is $59 but it pays 2% cash-back on all purchases. After spending $750/month, I beat even the 1.5% cashback cards with no annual fees. I typically spent 2-3 times thins much monthly so the justification is evident.

    the other card that I greatly considered was the Penfed Platinum card that pays 5% cash back on gas and 1% on everything else. It would be better for people with higher monthly gas bills than myself (gas guzzling cars, people in sales, etc.).

    Ramit, would you please go into a bit more detail as to the actual point system for your AMEX. Is it 1 point per $1 spent?

  13. avatar

    I have an AAdvantage rewards card. I definitely agree that having a credit card should be used for rewards…and travel cc’s are best suited towards that. One should also look at the sign-up bonuses and promos.

    I was going to get the Starwood credit card but looked at the benefit of opening a AAdvantage during their promo: 75k bonus miles after $6k spent in 6 months. That’s enough miles for a round-trip ticket to Asia, or 2 round-trip tickets to South America. In the long run this might not be as good as some other cc’s with the standard 1 mile/$1 spent but I think the benefits outweigh it after all is said and done.

  14. avatar

    Right now I get the ~1% cash back from my Visa, which averages about $25/month.

    I don’t fly often (about once every 2 years), but I would travel more if my flight was paid for with the extra points/miles I’m earning. Is this card worth getting if you don’t really plan on staying at many Starwood hotels?

    If this card could pay for 2 roundtrip tickets every 1 or two years, I think it would be worth it. But since I don’t travel much regularly, is it still worth it?

  15. avatar

    The survey link isn’t working for me either

    • avatar
      Ramit Sethi

      Try now

  16. avatar

    not sure that link is going to where it should be. just takes you to the create an acct page, and even once you’ve created an acct it doesn’t go to anything that looks like something for you…then again, i’m not smart…

  17. avatar

    I like a lot of what you say but your blinders are often a little narrow with what seems to be a referance point of a person living in a city with no children (I don’t know if that is actaully your situation). Myself, and many like me dislike traveling with young ( infant – 3 year old) children. Cash rewards cards are much better than a travel rewards card for people in this demographic. On top of which, when I do travel, we often don’t stay in hotels. We camp… because we like to. So again, useless. You have a broad audience. Respect that.

    • avatar
      Ramit Sethi

      Good points!

      (Btw, note the reference to the cash-back card in the above post.)

  18. avatar

    Re: this: “Hilariously, Citi actually mailed out a note to cardholders trying to spin the reduction of benefits into something like ‘exciting new features’ — but it was obvious to anyone with a pulse that the most compelling rewards were being removed.”

    The not-for-profit car share service in Philly tried this when they got rid of their $0/month membership (and automatically changed everyone to a $15/month membership unless you opted out within a particular period of time, which is absolutely silly for people who might get a car once or twice a year to go to Ikea or the like…). The spin was something like “We’ve made everything simpler for you by simplifying our membership plans to just one!” It made so many of my friends (and me) furious that even though they’ve reinstated the $0/month plan now, no one will re-join!

  19. avatar
    steve ward

    Lol, get a life, anyways very nice well written here is my question Ramit does that include Events. Like say the card give you a chance to stay at a private island meeting up with say bill gates?

    or sky diving from space back to earth? or trip to space?

    Thanks Ramit

    • avatar
      Ramit Sethi

      Ya I’m pretty sure all 3 of those are included with the annual fee

  20. avatar
    Laura Roeder

    I researched this versus the Amex Premier Rewards Gold Card and ended up going with the gold card. I wanted travel rewards but I rarely stay in hotels as I prefer to rent apartments, and the starwood seemed too hotel-heavy on the rewards.

    Also, the Gold has an unlimited balance (that’s what I was given anyway) so if the low limit is a problem for anyone they might want to choose the gold instead.

  21. avatar


    Do you think you can negotiate the annual fee?

  22. avatar

    Will the referral form work for the Canadian version?


  23. avatar

    I had an AMEX for over a decade and was late on my payment ONCE and they wouldn’t waive the fee so that card is now locked up and hasn’t been used since. I’ve always found that Discover provided superior customer service, including answering the phone immediately when I call. I get tons of cash back bonuses because I put everything on the card and pay it off in full every month. I would never use AMEX again.

  24. avatar

    I tried website for survey the day you sent this. No survey, says thanks for completing it but never took it. Then tried again, same thing. No email with link from you. What next? Even registered at survey monkey, to no avail. Says there are no surveys done….

  25. avatar

    @19, maybe in your case, but the audience also includes people like myself who have toddlers and like to travel with them. Previously, I was mostly using a cash back AmEx, but now that I actually have to pay for the toddler to fly (she just turned 2, so she can’t fly on our lap anymore, and we have to buy her a ticket), travel rewards cards are becoming a more-appealing option. So the fact that it’s a broad audience works both ways . . .

    • avatar

      I hear what you are saying, but the post reads in a factual way that it was the best way. Like most of Ramits posts, the reader is subjected to feeling like “they just don’t get it” if they don’t agree even though their own life situation and financial principles are sound.

  26. avatar

    I wish you had a Canadian sister site.

    • avatar

      This is the current Canadian offering for a similar card:

  27. avatar


    What do you think about Debit cards?

  28. avatar

    Hey Ramit,
    My Dad received an AMEX business gold rewards with 75k points with an annual fee of $125. He needs to spend $1k in the next three months (which isn’t an issue). What do you think about that deal and that card?

  29. avatar

    Survey link not working?

  30. avatar
    Belden Lyman

    I considered using CitiBank 12 years ago. At the time, the password for their online banking website was the same as your PIN for your debit card. There’s only 6,561 different 4-digit PINs. That’s enough to stop someone from casually guessing my PIN if they’re standing with my debit card at an ATM, but it’s a trivially low amount of PINs for that to be an online banking password. Writing a program to brute-force its way into someones account wouldn’t have been too hard.

    Just yesterday I read that Citibank’s credit cards had been hacked due to bad security on the Citi website. and plain old Google

    I think it’s worth updating the original article to point out that though the credit card rewards might be great, the security of Citibank’s website is rather poor.

  31. avatar

    What’s special about your special referral email link, other than you get bonus points for referring people?

  32. avatar
    Sheehan Alam

    I would recommend checking out the nerds at They discuss in detail how to redeem travel points and get the most bang for your points. The only problem I’ve had with travel cards are reward and redemption availability. You must have a flexible schedule, or else it can be very difficult to redeem free flights.

  33. avatar
    Sunil from The Extra Money Blog

    i prefer cash back as i can use it to spend on anything i want. that said, i have taken advantage of promos such as AA’s 75k miles and BA’s 100k miles – use it, get the rewards, cancel the card.

  34. avatar


    I just started following your blog and I have begun to read your book. I am very interested in applying for this card. I filled out the survey for the referral link but I have not yet received it. Is there anyway you can look into this and send me the link via email. It would be greatly appreciated.


  35. avatar
    Matthew Borsick


    When are you sending out the referral link ?

  36. avatar

    Ramit – for your Canadian readers, the TD Bank Visa Infinite card is almost identical to the Starwood Amex. Instead of 1 Starwood Point for every $1.00, it’s 3 TD points for every $1.00. No TD account required (min income of $60,000 gross).

    A great comparison for Canadians:

  37. avatar

    I love to read your experience with highly profitable credit card. Citi is great. Many ideas are offered as special credit card.

    It is dynamic and continues to move forward. However, the requirements to get a Citi credit card is not easy. Must have high credit scores, including cards for students.

    Yes, this of course as an option from the Citi to get consumers. Citi’s strategy turned out to be great. Thank you.

  38. avatar

    Just got the SPG AMEX card, then saw this post.

    Glad it’s Ramit-approved!

  39. avatar

    It looks the SPG is increasing their fees to $95/year effective August 2015. Is this card still the best bet?

  40. avatar

    I strongly agree with American Express being ranked as the best for credit cards. Discover is 2nd best. I disagree with travel cards though. It’s more for frequent travelers, not for someone who rarely travels. I’ll take a cash back card anyday because I travel only once or twice every year.

  41. avatar

    Love this! I have to fly frequently from DC to San Fran and this is exactly what I was looking for. Got approved in 60 seconds and since I had been a card member before they rushed it to me no charge. Awesome blog posts keep them coming!

  42. avatar
    Tom Craig

    Thanks for sharing this helpful blog… i was looking for same content for credit card information. great work!

  43. avatar

    Starwood was recently purchased by Marriott and one can probably safely assume they will be merging their loyalty programs. In terms of bang for your buck (rooms, room rates and how many points you need to get a room), Marriott always seems to come out on top among travel bloggers for their loyalty program over SPG. I do like AMEX for their perks but I’d probably go for their Delta Skymiles card or Chase for their Marriott card until the details of the merger are clear

  44. avatar

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  45. avatar
    pete johnson

    I do serious business ,dont email if not interested in purchase
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  46. avatar

    Great choice! I had it ranked 3rd best for travel credit cards only due to the lower first year bonus and not being accepted everywhere. The Citi Thank You Premier and Chase Sapphire Preferred are greater in the first year, but more expensive year 2 and onward.

  47. avatar


    Does the Marriott/SPG acquisition have any effect on your recommendation? With the possibility of the card going away or the rewards programs merging/changing?

    In terms of travel credit cards the most comparisons I’ve seen are between your card and Chase Sapphire Preferred. What is the biggest reason you’d prefer the SPG over Chase? Does your dislike of the big banks have a big part of it or is it straight up about the rewards?

    Interested to hear your thoughts, thanks for the detailed post man.

  48. avatar

    Apparently, chase sapphire preferred is much better than starwood…

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  62. avatar

    Just called American Express about the Starwood card and was told JetBlue is not one of their partner airlines. Initially, it sounded like it was useful for people flying Virgin and JetBlue. Am I missing something?
    Loved the article. Love the book. Love the blog.

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  66. avatar
    Lee Smythe

    Andrew, this is a heads up to everyone that are American Express holders that American Express may be raising your interest rate by 50% or more as of April 26, 2016.

    American Express sent us, (Starwood Guest card holders) and is sending to many others like us, a letter notifying us of this across the board increase. Their justification is that they checked with a credit bureau about our activities and some of them they do not like. This without regard as to how long you were their customer and how well you paid your bills.

    Even though we have great credit scores in the 800’s and I pay all our bills on time they will be increasing interest rates.

    Obviously, this is the tactic they are taking from other businesses, especially insurance companies, that started raising prices based upon checking on your activities and then arbitrarily raising your cost of doing business.

    They are doing it because they can and BECAUSE THEY ARE GREEDY.

    Another thing about their customer service. Their customer service staff (number provided in the letter connects you either to Philippines or India) are not able to explain this action except by regurgitating the content of the letter or as stated by their representative in India, that this increase is mandated by Federal law – give me a break: the government is mandating them to raise my interest rate on purchases (sarcasm). So I am skeptical about your statement on checking on them fanatically with good results…

    Bottom line, with credit cards there are many choices and American Express will, and should, lose many customers: myself included.

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    Just read through the book, and I love it. Wish I had found it years ago, but I didnt, so thems the breaks. Although I havent been very responsible with my money, as its just been sitting in a checking account all these years, at least I havent been irresponsible with it. Ive hoarded a decent nest egg (but it could have been so much more!). Sadly, Ive been living abroad for the past twelve years, and I dont even have a 401(k). Thats all going to change now, thanks to Ramit! So here I am, Week One Action Steps. Looking to get a credit card. Unfortunately, living abroad also means I dont have a credit history. Are there any decent “starter” credit cards that include rewards for people with no history? Or perhaps a better question: anything I should be leery of when signing up for these no credit needed cards? As long as its no-fee, am I good to go?

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