Hi!

We are currently in Midway, Utah (near Park City) for Devin's family reunion and it's been delightful. There are also so many great points hotels up here that it makes me cringe a little that we are staying in an Airbnb BUT sometimes you want to be with your people - you know? Last night we stayed up playing Bristol, 1350 (which was great after I learned how to play) and the night before Reign of Dragoness (which is always so fun). Anyway, I hope you're having a great summer!!

This week I wanted to do something a little different. Instead of one card, one offer - I'm giving you a list. Find yourself below (and, yes, you might be more than one of these). 👇

WHICH CARD ARE YOU?

🆕 FOR THE BEGINNER

You might be this person if you've never opened a travel card before and the whole points thing feels a little overwhelming.

Start here: Chase Sapphire Preferred® Card:

THIS CARD IS ELEVATED RIGHT NOW, which is a big deal. A really big deal.

Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening Flexible points, $95 annual fee, and it just got a refresh with new categories and credits. This is the card I recommend to almost everyone starting out.

👉 Chase Sapphire Preferred® Card​

💼 FOR THE SMALL BUSINESS OWNER

You might be this person if you freelance, sell things online, drive for a rideshare app, or have any kind of side income — even if it doesn't feel like a "real business."

Start here: Ink Business Cash® Credit Card or Ink Business Unlimited® Credit Card

Another HUGE elevated offer. Can't recommend enough!

Earn $1,000 when you spend $8,000 on purchases in the first four months after account opening. That's 100,000 Chase points when paired with your Sapphire. No annual fee either.

👉 Ink Business Cash® Credit Card​

👉 Ink Business Unlimited® Credit Card​

🛒 FOR THE MOM WHO LIVES AT THE GROCERY STORE

You might be this person if your card statement is 70% Trader Joe's and HEB/Smiths/Kroger/You get the picture runs. (If this is you....I feel you.)

There's a mid tier card out there built almost entirely around grocery and dining spend — with one of the highest grocery earning rates of any card on the market. If that's your spending pattern, the math on the annual fee works out. Also, the monthly credits are super easy to use in my opinion.

👉 My favorite card for groceries and dining

📈 FOR THE BUSINESS OWNER WITH BIG SPEND

You might be this person if your business easily spends $5,000+ a month and you want serious travel perks to go with it. And there's an all time high bonus on the card. Win win.

Start here: Sapphire Reserve for Business℠

ANOTHER HUGE elevated offer. This amount of Chase points with one card welcome offer is huge.

Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and access more than $7,000 in total business and travel value in your first year.

👉 Sapphire Reserve for Business℠​

✈️ FOR THE FAMILY NEAR A UNITED HUB

You might be this person if you live near (or fly in/out of) Chicago, Denver, Houston, Newark, San Francisco, or another United hub and find yourself booking United flights again and again.

Start here: United℠ Business Card

Should I say...elevated? Again. It's elevated!

Earn up to 110,000 bonus miles and 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open (100K + 10K more miles with an authorized user).

👉 United℠ Business Card​

✈️ FOR THE FAMILY NEAR AMERICA'S FAVORITE AIRLINE HUB

You might be this person if Atlanta, Detroit, Minneapolis, Salt Lake City, or another hub city is your home airport.

Start here: 👉 ELEVATED AIRLINE OFFER!​

👑 FOR THE ONE WHO HAS EVERYTHING

There's a top-tier premium card out there right now with one of the highest welcome offers we've seen — think six figures in points plus thousands of dollars in built-in credits (think hotel credits, dining credits, wellness credits, the works). It's not cheap, and it's not for everyone, but if you're already deep in this game, it might be your next move. Click the link below to see if it's right for you!

👉 Premium Travel Card With Premium Benefits​

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

Remember — you don't have to be just ONE of these. A lot of you reading this are probably 2 or 3 of these people at once! That's exactly how a strong points strategy gets built — one card at a time, in the right order, for the right reasons.

As always, zero pressure. Only apply for what genuinely makes sense for your life and your spending. Hit reply if you want help figuring out where you fit — I read every message!

On The Blog

How To Earn Big Rewards Booking Activities Through Viator Read here

How To Keep Earning Chase Points After The Welcome Bonus Read Here

Editorial Note: Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

113 Cherry St #92768, Seattle, WA, 98104-2205

Email: hello@amberonpoints.com

​Unsubscribe · Preferences​

© 2025 Amber on Points. All Rights Reserved