Disclaimer: The content on Ryan & Kate’s Mile Report is for informational and educational purposes only. We are not partnered with commercial affiliate networks or credit card companies. However, this site contains personal referral links. If you apply for a card through these links, we may receive a referral bonus (such as points or miles) from the card issuer at no extra cost to you. We only share cards we personally use and recommend.
🌎 Personal Travel & Everyday Cards
🥇 The Ultimate Beginner Card: Chase Sapphire Preferred® Card
Chase Sapphire Preferred
The absolute best starting point for earning points and miles. It unlocks highly flexible Ultimate Rewards points that transfer to premier partners like Hyatt and United.
- Annual Fee: $95
- Best For: Everyday dining, travel bookings, and flexible point redemptions.
- 👉 [Learn How to Apply for the Chase Sapphire Preferred Here]
💎 The Ultimate Premium Card: Chase Sapphire Reserve®
Chase Sapphire Reserve
For travelers wanting high-end lounge access, premium travel protections, and an effortless annual travel credit.
- Annual Fee: $795
- Best For: Frequent flyers, airport luxury, and a $300 annual travel statement credit.
- 👉 [Learn How to Apply for the Chase Sapphire Reserve Here]
✈️ The Modern Luxury Card: Capital One Venture X Credit Card
Capital One Venture X
The most affordable luxury card on the market, offering easy-to-use credits and top-tier airport lounge access.
- Annual Fee: $395
- Best For: Earning a flat 2x miles on everything and low-stress luxury perks.
- 👉 [Learn How to Apply for the Capital One Venture X Here]
🍕 The Ultimate Foodie Card: American Express® Gold Card
American Express Gold
A powerhouse card for multiplying your points balances quickly through everyday grocery runs and dining out.
- Annual Fee: $325
- Best For: 4x points at US supermarkets and restaurants worldwide.
- 👉 [Learn How to Apply for the American Express Gold Here]
💼 Business & Co-Branded Travel Cards
📈 The Best Free Business Card: Chase Ink Business Unlimited®
Chase Ink Business Unlimited
An incredible, no-annual-fee option for side hustles or small businesses to rack up simple flat-rate rewards.
- Annual Fee: $0
- Best For: Earning unlimited 1.5% cash back or points on all business expenses.
- 👉 [Learn How to Apply for the Ink Business Unlimited Here]
🏢 The Business Powerhouse Card: Chase Ink Business Preferred®
Chase Ink Business Preferred
The premier option for growing your business point balances with high-earning travel and office spend categories.
- Annual Fee: $95
- Best For: Shipping expenses, internet/telecom bills, and social media advertising.
- 👉 [Learn How to Apply for the Ink Business Preferred Here]
🛫 The Best Airline Card for Business: Southwest Rapid Rewards® Performance Business Credit Card
Southwest Rapid Rewards Performance Business Credit Card
The fast track to unlocking the legendary Southwest Companion Pass for your small business.
- Annual Fee: $299
- Best For: Free inflight Wi-Fi, upgraded boardings, and Southwest point multipliers.
- 👉 [Learn How to Apply for the Southwest Performance Business Here]
🏨 The Ultimate Hotel Business Tool: World of Hyatt Business Credit Card
World of Hyatt Business Credit Card
A strategic choice to accelerate your path to top-tier Hyatt Globalist status through card spending.
- Annual Fee: $199
- Best For: Free night award tracking, status head-starts, and Hyatt hotel purchases.
- 👉 [Learn How to Apply for the Hyatt Business Card Here]
👑 The Ultimate No-Fee Catch-All: The Blue Business® Plus Credit Card from American Express
The Blue Business® Plus Credit Card from American Express
The ultimate anchor card for earning transferable Amex Membership Rewards® points on everyday spend without paying an ongoing fee.
- Annual Fee: $0
- Best For: Earning a flat 2x points on all purchases up to $50,000 per year with no annual fee.
- 👉 [Learn How to Apply for the Amex Blue Business Plus Here]