Holly Johnson

Using multiple cash back credit cards strategically can help maximize rewards by leveraging different earning rates across various spending categories. However, managing multiple cards requires organization to avoid missed payments, overlapping benefits, and potential debt accumulation.

Credit card rewards typically fall into four main categories: airline miles, hotel points, flexible travel rewards, and cash back, each with different redemption options and value. To maximize rewards, consider your spending habits, compare transfer options, and look for discounted award programs. Read the full article to explore expert tips on getting the best value from your credit card rewards.

If you're looking for a travel credit card with premium benefits, the Chase Sapphire Reserve® is one of the best options available. This card earns flexible Chase Ultimate Rewards points, transferable to partners like Air France (Flying Blue), British Airways, United MileagePlus, and Marriott Bonvoy.

The Ink Business Cash® from Chase is geared to small business owners and entrepreneurs who spend a lot at office supply stores, and on internet, cable and phone services each year. It has an intro 0% APR for new spending that can help small businesses improve their cash flow or pay down large purchases interest-free for a limited time. Other benefits like free employee cards make the Chase Ink Business Cash® an even better deal.

If you're looking for a premium travel credit card but don't want to pay hundreds of dollars in annual fees, put the Chase Sapphire Preferred® Card on your list. With a reasonable $95 annual fee, it offers generous rewards in everyday spending categories and a nice sign-up bonus.

Using a credit card responsibly can help build credit, especially for those with limited history. Start with a secured card if needed, keep credit utilization under 30%, and never miss payments. Setting up autopay, avoiding debt, and becoming an authorized user can also boost your score. Credit improvement typically takes 6+ months. Read the full article for expert strategies on building credit.

The brand new Chase Sapphire Reserve for Business℠ offers similar benefits to the popular Chase Sapphire Reserve® for consumers. However, this new premium business credit card also comes with a sky-high annual fee of $795.

If you're looking for a Chase business credit card that offers premium travel redemptions, the Chase Ink Business Preferred® is your best bet. Not only is the Chase Ink Business Preferred® the only business card from Chase that offers point transfers to airlines and hotels, but it gives you 25% more value for points redeemed for travel through Chase Travel — the same benefit you would get with the Chase Sapphire Preferred® for consumers.

The Chase Freedom Unlimited® is frequently considered one of the top cash back credit cards on the market, and it's easy to see why. This rewards credit card doesn't have an annual fee. It earns a minimum of 1.5% cash back on all purchases, plus offers accelerated cash back in a few popular bonus categories — namely, 3% on dining and drugstore purchases and 5% on travel purchased through Chase Travel℠.