The Credit Cards That I’m Adding to My Wallet in 2023

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At the start of every year, I like to take stock of my credit cards and figure out what’s working. Some credit cards are great for their welcome bonuses, while others provide ongoing perks that make them worth keeping long-term. With many rewards credit cards carrying annual fees, it’s important to review your wallet once in a while and find out what’s serving you and what isn’t. The last thing you want is to pay hundreds of dollars in annual fees without getting much in return. 

While I’ve gotten rid of several cards that were no longer useful, I’ve noticed gaps in my wallet that I want to fill. Luckily, some exceptional credit card welcome bonuses will help me replenish my rewards balance and earn more points and perks throughout the year. Here are four credit cards I’m adding to my wallet this year.

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Ink Business Unlimited^® Credit Card

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While I usually prefer points over cash back, the Ink Business Unlimited has a unique feature: If you have another Ultimate Rewards-earning credit card, you can convert your cashback to points. So I can turn that cash-back bonus into Ultimate Rewards points. From there, I can transfer these points to partners like Air France/KLM Flying Blue, World of Hyatt, United, and others. 

Ink Business Unlimited® Credit Card

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• Our Rating 4.5/5 How our ratings work Read the review
• APR17.74% - 23.74% (Variable)
• Annual Fee$0
• $750 $750Cash Bonus More Info

  Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening

Here’s a card that you can use to earn a strong rate of return on all of your business purchases, with no annual fee. The Ink Business Unlimited® is technically a cash-back card, but the rewards can be transferred to travel partners when you have another qualifying Chase card that offers this feature. If you want cash back that you can drive back into your business or use for personal expenses, this card could be a great option. With this card, you’ll earn 1.5% cash back on every purchase you make. Additionally, if you have some purchases coming up and need some time to pay them off, the card’s 0% APR on purchases for 12 months can help you save a lot on interest. And, if you need employee cards, you can get them at no additional charge.

• Overview
• Pros & Cons

Overview

The Chase Ink Business Unlimited® credit card is one of the best business credit cards on the market, and if you use it right by pairing it with a Chase card with an annual fee, you can unlock access to valuable transferable Ultimate Rewards points that you can move to travel partners.

Pros

• No annual fee
• Easy earning structure of 1.5X back on everything with no limits
• Robust travel and purchase protections

Cons

• Businesses that don't spend on the category bonuses won't benefit
• 1.5X isn't the highest earning rate

With 90,000 points, I can cover up to 25 free nights at a low-category Hyatt property or have almost enough for a round-trip business class ticket to Europe via Flying Blue. Considering I recently emptied my Hyatt balance, I will likely transfer most of my points into that account for a getaway to Bali, where hotels start at just 3,500 points per night in off-peak periods. Either way, the Ink Business Unlimited’s bonus will go a long way.

World of Hyatt Business Credit Card

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Have I mentioned I’m out of Hyatt points? Considering how reasonable Hyatt’s free night awards are, replenishing my balance is a priority right now. I already have the World of Hyatt Credit Card, which I’ll hold on to forever, thanks to the annual free night and elite night credits. The World of Hyatt Business Credit Card not only offers a solid welcome bonus of 60,000 points after $5,000 spent in three months, but it makes earning elite night credits easier. 

World of Hyatt Business Credit Card

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• Our Rating 4.0/5 How our ratings work Read the review
• APR20.49% - 27.49% (Variable)
• Annual Fee$199
• 60,000 60,000World of Hyatt Points More Info

  60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening. Dollar Equivalent: $1,080 (60,000 World of Hyatt Points * 0.018 base)

The World of Hyatt Business Credit Card is a good option for small business owners loyal to Hyatt. The card offers elite status benefits, with the opportunity to spend your way to higher tiers. The card’s bonus categories are vast but aren’t substantial at 2 points per $1 spent. Hyatt loyalists with lots of business expenses they can channel on this credit card will certainly be rewarded for it. In addition to the bonus categories, they can look forward to $100 in annual statement credits and a 10% rebate on award redemptions once they spend $50,000 in a calendar year.

• Overview
• Pros & Cons

Overview

The World of Hyatt Business Credit Card is a good option for small business owners loyal to Hyatt. The card offers elite status benefits, with the opportunity to spend your way to higher tiers. The card’s bonus categories are vast but aren’t substantial at 2 points per $1 spent.

Pros

• Enjoy Hyatt Discoverist elite status for you and up to five employees
• Up to 9x points on Hyatt hotels
• Earn up to $100 in Hyatt statement credits per year

Cons

• $199 annual fee
• No free night award unlike the consumer Hyatt card

For example, the World of Hyatt card includes automatic Discoverist status and five elite night credits yearly. Cardholders also earn two additional elite nights for every $5,000 spent. Last year, I earned most of the nights required for top-tier Globalist status from credit card spending alone. However, the World of Hyatt Business card makes it even easier by offering five elite night credits per $10,000 spent. So, by channeling most of my spending this year onto the business version, I’ll reach Diamond status faster and get access to a host of new category bonuses not offered by the personal version of this card. It really checks all the boxes for me.

Hilton Honors Surpass Card

The information for the Hilton Honors Surpass Card has been collected independently.

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I’ve had my Hilton Honors^Ⓡ American Express Aspire Card for years and will probably hold on to it long-term, thanks to its generous Hilton Diamond benefit. The card is also very generous in earning points on everyday spending and providing an annual free night award. But to earn a second free night, I have to spend $60,000 on the card, which is not feasible. A more reasonable option is to add a Hilton Honors Surpass Card to my wallet. The card offers an annual free night after spending $15,000 in a year – a much more reasonable amount.

Some of the card’s benefits seem repetitive against those offered by the Hilton Aspire card. However, the welcome bonus will come in handy after I complete the reasonable spending requirement. Plus, the card gets me access to Amex^Ⓡ offers, which always saves me a few hundred dollars a year. So even though the card carries an annual fee, I know I’ll get my money’s worth.

Bottom Line

You might wonder how exactly I’ll meet the combined spending requirements over the next few months. It’s not as bad as it looks. For starters, I will pay my bills with these credit cards and ask my family to let me do the same with theirs. Insurance premiums are a great way to meet spending requirements quickly, as are monthly utility bills. 

My sister is in the market for new furniture and has offered to let me charge it to my credit cards to meet spend. Lastly, my taxes will be due soon, and for just a 1.85% fee, I can knock out a large amount of spending and earn some bonus points. Between this and some incredible welcome bonuses, now is the perfect time to snap up a few credit cards and replenish my mileage accounts to start the year off right.