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Point Rewards Credit Cards with No Pre-Set Spending Limit

Compare the Best Points No Pre-Set Spending Limit Credit Cards and Apply Online

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Chase Sapphire Preferred℠ Card
Apply for Chase Sapphire Preferred℠ Card
Editors' Choice
Points No Pre-Set Spending Limit Credit Cards
  • Earn 40,000 bonus points after you spend $3,000 in the first 3 months - that's $500 toward travel rewards!
  • 2 points per dollar spent on travel and at restaurants & 1 point per dollar spent on all other purchases.
  • Get 20% off airfare, hotels, car rentals and cruises when you book through Ultimate Rewards(SM)
  • No foreign transaction fees
  • Receive a 7% annual dividend on all new points earned - even on points already redeemed
  • 1:1 point transfer to participating frequent travel programs
  • Direct access to expert service advisors anytime
  • No Annual Fee for your first year - A $95 value
Introductory Bonus Reward PointsPoint RewardsTravel RewardsBonus Reward PointsDining RewardsNo Pre-Set Spending LimitCar Rental InsuranceExtended WarrantyPurchase Protection Return ProtectionBaggage InsuranceTravel Accident Insurance$0 Fraud LiabilityIdentity Theft AssistanceRoadside Assistance
Point Rewards Benefit: 1 point per dollar spent on all other purchases
Introductory Bonus Reward Points: Earn 40,000 bonus points after you spend $3,000 in the first 3 months - that's $500 toward travel rewards!
Bonus Reward Points: Earn a 7% annual points dividend - even on points already redeemed
Our Review: The Chase Sapphire Preferred card offers a very generous point bonus and extra travel rewards to those with excellent credit. It is the premium version of the Chase Sapphire card. Although it has an annual fee, most cardholders should be able to easily offset it with the points they earn... Read full review
Intro APR for PurchasesIntro APR for Balance TransferAPR as low asAnnual Fee
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15.24% (Variable)
$95

The Business Gold Rewards Card® from American Express OPEN
Apply for The Business Gold Rewards Card® from American Express OPEN
  • FOR A LIMITED TIME: Earn 5X points on shipping and advertising for the first 3 months of Card membership.
  • Earn points even faster to get more rewards for your business
  • 3X points on airfare | 2X points on advertising, gas, and shipping |1X points on everything else*
  • One million rewards from over 500 brands
  • 24/7 support for everything from identity theft to travel emergencies
  • $0 introductory annual fee for the first year, then $175
  • Get unlimited Additional Gold Cards for an additional annual membership fee of $50 - and this fee is waived for the first year
  • Terms & Restrictions Apply.
Airline RewardsPoint RewardsTravel RewardsInstant ApprovalGas RewardsNo Expiration on RewardsNo Pre-Set Spending LimitDiscountEvents Car Rental InsuranceExtended WarrantyPurchase ProtectionReturn ProtectionBaggage InsuranceEmergency AssistanceEmergency Card ReplacementIdentity Theft AssistanceRoadside Assistance
Point Rewards Benefit: Earn 1 Membership Rewards point for virtually every dollar you spend.
Our Review: The American Express Business Gold Rewards Card is a fantastic card for established businesses. It has one of the best rewards programs on the market. New business owners should be aware of the high annual fee and tough credit score requirement. However, if your business is stable and has great credit, it is hard to find a better rewards card than the American Express Business Gold... Read full review
Intro APR for PurchasesIntro APR for Balance TransferAPR as low asAnnual Fee
--N/A
$175

American Express® Premier Rewards Gold Card
Apply for American Express® Premier Rewards Gold Card
  • Membership Rewards(R) bonus: 25K points, redeemable for select gift cards valued at $250, when you spend $2,000 in your first three months of card membership
  • Membership Rewards(R) points multiply fast! Earn 3X points on airfare, 2X points on gas and groceries, 1X points on everything else
  • Exclusive access to Gold Card Destinations and events – Enjoy special travel packages and amenities at hotels worldwide, as well as select concerts, shows, major sporting events, and more, nationwide.
  • Introductory annual fee of $0 for the first year, then $175
  • Get approved in 60-seconds.
Introductory Bonus Reward PointsAirline RewardsPoint RewardsTravel RewardsBonus Reward PointsInstant ApprovalGas RewardsGrocery RewardsNo Pre-Set Spending Limit EventsCar Rental InsuranceExtended WarrantyPurchase ProtectionBaggage InsuranceTravel Accident Insurance$0 Fraud LiabilityRoadside Assistance
Point Rewards Benefit: Earn 1 point for virtually every dollar spent.
Introductory Bonus Reward Points: 25,000 points, redeemable for select gift cards valued at $250, when you spend $2,000 in your first three months of card membership
Bonus Reward Points: Earn an extra 15,000 bonus points when you spend $30,000 in a calendar year.
Intro APR for PurchasesIntro APR for Balance TransferAPR as low asAnnual Fee
--N/A
$175

Citi ThankYou℠ Preferred Card
Apply for Citi ThankYou℠ Preferred Card
  • $250 gift card - When you redeem the 25,000 bonus ThankYou® Points received after $2,000 in purchases within 4 months of account opening.
  • Earn 1 point for every $1 you spend on all purchases
  • Receive an anniversary bonus every year you’re a cardmember
  • No expiration and no limit on the points you can earn
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • No annual fee*
Introductory Bonus Reward PointsPoint RewardsNo Expiration on RewardsNo Limits on RewardsNo Pre-Set Spending LimitConciergeCar Rental InsuranceExtended WarrantyBaggage Insurance Travel Accident Insurance$0 Fraud LiabilityEmergency Assistance
Point Rewards Benefit: Earn 1 point for every $1 you spend on all purchases
Introductory Bonus Reward Points: $250 gift card - When you redeem the 25,000 bonus ThankYou® points received after $2,000 in purchases within 4 months of account opening.
Our Review: The Citi ThankYou Preferred Card is a good, simple rewards card that helps you earn points on your all purchases. This card also has a great sign-up bonus for new members and an annual loyalty bonus for long-term customers. Best of all, this card has no annual fee... Read full review
Intro APR for PurchasesIntro APR for Balance TransferAPR as low asAnnual Fee
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12.99% - 22.99% (Variable)
$0

AT&T Universal Business Rewards Card
Apply for AT&T Universal Business Rewards Card
  • Designed for businesses with an established credit history
  • 0% Intro APR on Purchases for 6 months. After that, 14.24% variable*
  • Earn 5 ThankYou Points® For Every Dollar You Spend On Eligible AT&T Products and Services
  • Earn 3 ThankYou Points® For Every Dollar Spent On Purchases at Certain Office Supply Merchants, Gas Stations, and On Professional Services and 1 ThankYou Point® For Every Dollar Spent On Other Purchases
  • Additional Cards For Employees With Credit Limits You Set
  • No Annual Fee*
Point RewardsNo Pre-Set Spending LimitConciergeCar Rental InsuranceTravel Accident InsuranceIdentity Theft Assistance
Point Rewards Benefit: Cardholders will earn 5 ThankYou Points® points for every dollar spent on eligible AT&T products and services; 3 ThankYou Points® for every dollar spent on at certain office supply merchants, gas stations, and professional services.
No Pre-Set Spending Limit Benefit: The card has no pre-set spending limit; however, purchases are approved based on credit record, account history, and personal resources.
Our Review: Does your business use AT&T as its internet and phone provider? If so, you should check out the AT&T Universal Business Rewards Card, offered by Citibank. This card earns points on all purchases, plus bonus points for money spent at AT&T. This gives you the chance to earn free merchandise and cash back while paying your company’s monthly phone and internet bill... Read full review
Intro APR for PurchasesIntro APR for Balance TransferAPR as low asAnnual Fee
0% for 6 months
-
14.24% (Variable)
$0

The Platinum Card® from American Express
Apply for The Platinum Card® from American Express
  • 25,000 Membership Rewards® points bonus when you spend $2,000 during your first three months of Card membership
  • GLOBAL Travel benefits: Access over 600 lounges worldwide with Priority Pass™ Select, no foreign transaction fees, skip U.S. customs lines with Global Entry.
  • Enroll and select an airline to receive up to $200 annually in statement credits for incidental fees such as checked bags, in–flight refreshments, and change fees.*
  • Receive a companion ticket for discounted travel when you purchase a qualifying First- or Business-Class international ticket. Additional charges/taxes apply.
  • 24/7 Platinum Card® Concierge service for assistance with reservations, travel, gifts, and more
  • FINE HOTELS & RESORTS Program: exclusive upgrades and amenities at over 700 boutique, resort, and luxury hotels worldwide
  • Use Membership Rewards Pay with Points for part or all of your travel and get 20% of
Introductory Bonus Reward PointsAirline RewardsPoint RewardsTravel RewardsInstant ApprovalNo Pre-Set Spending LimitConciergeEventsExtended Warranty Purchase ProtectionReturn ProtectionTravel Accident Insurance$0 Fraud LiabilityIdentity Theft Assistance
Point Rewards Benefit: Earn 1 point for virtually every dollar spent.
Introductory Bonus Reward Points: 25,000 Membership Rewards® points when you spend $2,000 during your first three months of Card membership
Our Review: The American Express Platinum Card is one of the most prestigious rewards cards in the market today. It is also one of the most expensive cards, with an annual fee of $450. In exchange for the high annual fee, the Platinum Card offers a number of travel advantages and a generous rewards program... Read full review
Intro APR for PurchasesIntro APR for Balance TransferAPR as low asAnnual Fee
--N/A
$450

American Express® Gold Card
Apply for American Express® Gold Card
  • Exclusive access to Gold Card Events – select concerts, shows, major sporting events, and more.
  • Purchase Protection* can protect eligible items for up to 90 days from the date of purchase if stolen or accidentally damaged. *Underwritten by AMEX Assurance Company
  • Redeem Membership Rewards® points for an exclusive array of travel, shopping, dining and entertainment rewards.
  • Introductory annual fee of $0 for the first year, then $125.
  • Get a decision in as little as 60 seconds.
Point RewardsTravel RewardsInstant ApprovalNo Pre-Set Spending LimitEventsCar Rental InsuranceExtended WarrantyPurchase ProtectionReturn Protection Baggage InsuranceTravel Accident Insurance$0 Fraud LiabilityIdentity Theft AssistanceRoadside Assistance
Point Rewards Benefit: Earn 1 point for virtually every dollar spent.
Our Review: American Express has long been known for its superior service and perks. But whether the annual fee is worth the investment for you ultimately depends on your spending habits and lifestyle. We've crunched the numbers below so you can see if the benefits you would actually use would cover the cost of the annual fee... Read full review
Intro APR for PurchasesIntro APR for Balance TransferAPR as low asAnnual Fee
--N/A
$125

Ink Bold℠ With Ultimate Rewards
Apply for Ink Bold℠ With Ultimate Rewards
  • Earn up to 50,000 bonus points - 25,000 after your first purchase, plus an additional 25,000 after you spend $10,000 in 3 months - that's $500 in rewards of your choice, or $625 towards airfare when you redeem online through our Ultimate Rewards booking tool
  • Earn up to 5X points per dollar on eligible business purchases, and points do not expire
  • No foreign transaction fees
  • Free Employee Cards
  • No interest charges because it's a pay-in-full charge card
  • Transfer points you've earned to participating frequent travel programs at a 1:1 value
  • No Annual Fee in the first year - a $95 savings
Introductory Bonus Reward PointsHotel RewardsPoint RewardsGas RewardsOffice RewardsNo Expiration on RewardsNo Limits on RewardsNo Pre-Set Spending Limit
Point Rewards Benefit: You will earn 1 base point for each $1 of net purchases.
No Pre-Set Spending Limit Benefit: Flexible spending limit that is designed to adjust with your business needs*
Introductory Bonus Reward Points: Earn up to 50,000 bonus points - 25,000 after your first purchase, plus an additional 25,000 after you spend $10,000 in 3 months - that's $500 in rewards of your choice, or $625 towards airfare when you redeem online through our Ultimate Rewards booking tool
Our Review: The Ink Bold Business Card by Chase is a charge card that offers small business owners a flexible rewards program and an assortment of travel benefits. These perks come at a low annual fee of $95, with the first year waived... Read full review
Intro APR for PurchasesIntro APR for Balance TransferAPR as low asAnnual Fee
--N/A
$95

The Business Platinum Card® from American Express OPEN
Apply for The Business Platinum Card® from American Express OPEN
  • FOR A LIMITED TIME: Earn 25,000 Membership Rewards® points by spending $5,000 in the first 3 months.
  • Enroll and select an airline to receive up to $200 annually in statement credits for incidental fees such as checked bags, in–flight refreshments, and change fees.*
  • 20% Travel Bonus when redeeming with Membership Rewards® Pay with Points
  • Take advantage of 40 premium benefits and rewards, including 24/7 concierge service and dedicated business consultants
  • Complimentary airport club access to 600+ partner lounges, a $950/yr value
  • By Invitation Only: Receive exclusive access to events, ideal for entertaining clients or treating staff, worldwide that aren't available to the general public
  • No pre-set spending limit*
Introductory Bonus Reward PointsAirline RewardsPoint RewardsTravel RewardsNo Limits on RewardsNo Pre-Set Spending LimitConciergeDiscountCar Rental Insurance Extended WarrantyPurchase ProtectionReturn ProtectionBaggage InsuranceTravel Accident InsuranceEmergency Card ReplacementIdentity Theft AssistanceRoadside Assistance
Point Rewards Benefit: Earn 1 Membership Rewards point for virtually every dollar you spend.
Introductory Bonus Reward Points: FOR A LIMITED TIME: Earn 25,000 Membership Rewards® points by spending $5,000 in the first 3 months.
Our Review: The Business Platinum Card from American Express offers top-of-the-line benefits—including Airport Club Access and a $200 Airline Fee Credit—to business travelers. The card also features a rewards program and a whole suite of protection that covers travel accidents and business purchases... Read full review
Intro APR for PurchasesIntro APR for Balance TransferAPR as low asAnnual Fee
--N/A
$450

Disclaimer: This content is not provided or commissioned by Chase. Opinions expressed here are author's alone, not those of Chase, and have not been reviewed, approved or otherwise endorsed by Chase. This site may be compensated through Chase Affiliate Program.

Disclaimer: This content is not provided or commissioned by American Express. Opinions expressed here are author's alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through American Express Affiliate Program.

Disclaimer: This content is not provided or commissioned by Citi. Opinions expressed here are author's alone, not those of Citi, and have not been reviewed, approved or otherwise endorsed by Citi. This site may be compensated through Citi Affiliate Program.


Articles on Point Rewards Credit Cards with No Pre-Set Spending Limit

    Chase Sapphire Preferred Review: Huge 40,000 Bonus Points and Premium Rewards

    Chase Sapphire Preferred Review: Huge 40,000 Bonus Points and Premium Rewards

    December 9, 2011 - By David R - Review for Chase Sapphire Preferred
    The Chase Sapphire Preferred card offers a very generous point bonus and extra travel rewards to those with excellent credit. It is the premium version of the Chase Sapphire card. Although it has an annual fee, most cardholders should be able to ...
    American Express Business Gold Card Review

    American Express Business Gold Card Review

    April 18, 2012 - By David R - Review for American Express Business Gold
    The American Express Business Gold Rewards Card is a fantastic card for established businesses. It has one of the best rewards programs on the market. New business owners should be aware of the high annual fee and tough credit score requirement. ...
    Citi Thank You Preferred Card Review

    Citi Thank You Preferred Card Review

    April 13, 2012 - By David R - Review for Citi Thank You Preferred
    The Citi ThankYou Preferred Card is a good, simple rewards card that helps you earn points on your all purchases. This card also has a great sign-up bonus for new members and an annual loyalty bonus for long-term customers. Best of all, this ...
    AT&T Universal Card Review: Rewards for Business

    AT&T Universal Card Review: Rewards for Business

    May 9, 2012 - By David R - Review for AT&T Universal Business Rewards Card
    Does your business use AT&T as its internet and phone provider? If so, you should check out the AT&T Universal Business Rewards Card, offered by Citibank. This card earns points on all purchases, plus bonus points for money spent at AT&T. This ...
    American Express Platinum Card Review: Annual Fee Worth It?

    American Express Platinum Card Review: Annual Fee Worth It?

    January 13, 2012 - By David R - Review for American Express Platinum Card
    The American Express Platinum Card is one of the most prestigious rewards cards in the market today. It is also one of the most expensive cards, with an annual fee of $450. In exchange for the high annual fee, the Platinum Card offers a number ...
    American Express Gold Card Review: $125 Annual Fee vs Perks

    American Express Gold Card Review: $125 Annual Fee vs Perks

    July 30, 2011 - By Meghan Clark - Review for American Express Gold Card
    American Express has long been known for its superior service and perks. But whether the annual fee is worth the investment for you ultimately depends on your spending habits and lifestyle. We've crunched the numbers below so you can see if the ...
    Chase Ink Bold Review

    Chase Ink Bold Review

    August 25, 2011 - By Meghan Clark - Review for Ink Bold
    The Ink Bold Business Card by Chase is a charge card that offers small business owners a flexible rewards program and an assortment of travel benefits. These perks come at a low annual fee of $95, with the first year waived.
    American Express Business Platinum Review

    American Express Business Platinum Review

    August 19, 2011 - By Meghan Clark - Review for American Express Business Platinum
    The Business Platinum Card from American Express offers top-of-the-line benefits—including Airport Club Access and a $200 Airline Fee Credit—to business travelers. The card also features a rewards program and a whole suite of protection that ...

    Disclaimer: This content is not provided or commissioned by Chase. Opinions expressed here are author's alone, not those of Chase, and have not been reviewed, approved or otherwise endorsed by Chase. This site may be compensated through Chase Affiliate Program.

    Disclaimer: This content is not provided or commissioned by American Express. Opinions expressed here are author's alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through American Express Affiliate Program.

    Disclaimer: This content is not provided or commissioned by Citi. Opinions expressed here are author's alone, not those of Citi, and have not been reviewed, approved or otherwise endorsed by Citi. This site may be compensated through Citi Affiliate Program.


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