My favorite credit cards give me HUGE sign-up bonuses worth literally hundreds of dollars in tax-free rebate cash, rewards points or airline miles.  I have a bromance with Chase Ultimate Rewards points because of their versatility.  UR points can be turned into cash, airline miles, hotel stays and more.  The nicest sign-up bonuses come from Chase Sapphire Preferred (personal), and the Chase Ink Bold & Ink Plus (business) cards.

Other Favorites:
Balance Transfer: Chase Slate (No transfer fee – That’s HUGE) & Citi Simplicity.

Airline Miles: I haven’t paid for a flight in years thanks to BIG sign-up bonuses from airline branded cards from carriers such as American, Delta, Frontier, United, US Airways and Southwest Airlines.  I used airline miles when I had to fly on short notice to funerals.  Otherwise, I would have had to pay over $1,000 for each ticket – and that was the “bereavement fare”!

Hotel & Travel: I’m a big fan of American Express’ Starwood Preferred cards.  Their “Nights & Flights” packages are ridiculously great.  If you are planning a trip to Disneyworld, check that out.  Hilton & Marriott also have NICE bonuses.

Many of these cards have both personal and business versions for more bonuses.  A lot of these cards waive the annual fee for a year while you try out the card to see if you like it.   If you decide not to keep the card, you can still redeem your points/miles before closing the card.

I prefer to use a credit card instead of a debit card because it puts a firewall between other people and my bank account.  I also prefer a card over cash because I’m a bit of germ freak and money is fondled by junkies, hobos and booger eatin’ morons.  I pay almost all my bills with a credit card.  Then I pay off the card in full with money I otherwise would have used to make purchases in the first place.

Cash Back: I like credit cards that have absolutely no annual fee AND pay cash back for every purchase.  Trust me, it adds up!  I’ve made thousands over the years with these cards – all tax-free.  I have Chase Freedom®,  Citi® Dividend Platinum Select® Visa® Card,  Discover it®,  and Blue Cash Everyday® Card from American Express.  For your business, try Chase Ink Cash® Business Card.