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The Credit Cards I Keep Getting Over And Over

Last Updated on March 14, 2025March 14, 2025 Leave a Comment
This post may contain affiliate links. Affiliate Disclosure.This post may contain affiliate links. Financial Panther has partnered with AwardWallet and CardRatings for our coverage of credit card products. Financial Panther, AwardWallet, and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on the website are from advertisers. Compensation may impact on how and where card products appear on the site. The site does not include all card companies, or all available card offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

When you’ve been in the credit card game long enough, you start to notice that certain cards always seem to come back into your wallet.

I’m not someone who focuses on spending categories too much – most of the time, I find my time is better served opening new cards to get signup bonuses. Since I’m focusing on signup bonuses, it means I’m opening a lot of new cards each year. And while the cards do change as different cards hit the market, in recent years, a lot of my cards seem to repeat themselves.

Here’s a look at some of the credit cards I seem to get all the time and why I keep getting them.

Chase Sapphire Reserve Every 48 Months

The Chase Sapphire branded cards include the Chase Sapphire Reserve and the Chase Sapphire Preferred, both of which are personal credit cards subject to the Chase 5/24 Rule. These cards each have their specific perks – the Chase Sapphire Reserve has the higher annual fee, but comes with some more benefits, while the Chase Sapphire Preferred has a lower annual fee, but fewer benefits. They both earn Chase Ultimate Rewards points, which are points that I highly value because of their flexibility. In general, the signup bonuses on these two cards are usually similar, although, in recent years, the Chase Sapphire Preferred has occasionally had the better signup bonus.

Of these two cards, the Chase Sapphire Reserve is generally the card I prefer. While the value of this card has dipped in recent years, I still think it’s a good card for most people. The card comes with a hefty $550 annual fee, but it also comes with a $300 travel credit, effectively making the annual fee $250. The Chase Sapphire Reserve also gives you access to the Chase Travel Portal, where you can redeem your Chase points at 1.5 cents per point. I find this benefit useful in certain situations.

The Chase Sapphire Reserve also gives you the opportunity to double-dip the travel credit, allowing you to use the travel credit twice while only paying the annual fee once. This effectively makes it so that in the first year, you can get $600 of travel credits while paying only $550 in annual fees, giving you a net gain of $50.

There are two big limitations with the Chase Sapphire branded cards. The first is that you cannot have both Sapphire cards open at the same time – Chase limits people to holding either the Chase Sapphire Preferred or the Chase Sapphire Reserve, so you’ll need to decide which card you want in your wallet. Second, you are limited to earning the signup bonus on this card once every 48 months

The 48-month rule is a big limitation that limits how often you’re going to be able to earn a signup bonus on one of these cards. Because of how valuable this card is, whenever I’m eligible to earn the bonus on this card, I’ll always get it. So, this card is almost always in my wallet and is regularly being reopened.

American Express No Lifetime Language Offers

American Express has some interesting signup bonus rules that make it a little different from other banks. According to their terms, you’re limited to earning a signup bonus on each card once per lifetime. This rule would seemingly make it difficult to earn a lot of American Express signup bonuses.

However, American Express regularly sends out targeted offers to people that do not contain this once-in-a-lifetime bonus language. These offers are called “No Lifetime Language” offers (NLL) and it makes it so you can earn a bonus on a card multiple times, even if you already had the card before, and even if you have the card currently open.

NLL offers are targeted offers, which means they aren’t going to be available to everyone. These offers seem to get sent out randomly. The most common way I get these offers is in the mail – I’ll often get a mailer inviting me to open a card that I’ve already had before and when I check the terms and conditions, I’ll see that it’s an NLL offer.

Another way you can get these offers is via a popup when you log into your American Express account. Again, this is random and there doesn’t appear to be any rhyme or reason as to why you get these NLL popup offers.

Finally, people will sometimes post links to NLL offers where you can see if you’re targeted by logging into your American Express account and clicking the link. Once again, whether you’re targeted with these links seems random.

I’ve found that NLL offers are fairly common for me and getting all of these offers has allowed me to earn bonuses on the same cards over and over. My most common NLL offers seem to be from the American Express Business Gold and the American Express Business Platinum cards. Both of these cards have large annual fees and a variety of credits that help offset the fees, but for me, what makes them worthwhile is the chance to earn more Membership Rewards points. There are times when I’ll have several of these cards open at once and still receive more NLL offers.

A look at the AmEx Business Platinum and Business Gold Cards I have open right now.

I’ve also received NLL offers for the Delta Business cards. These are good because I no longer qualify for the signup bonuses on the Delta credit cards and Delta miles have value for me since I live in a Delta hub. I also get NLL offers for the American Express Blue Business Plus cards. These cards are worthwhile because they’re no-annual-fee cards and they keep your Membership Rewards points active. They also earn 2x Membership Rewards points on your first $50,000 of spend each year, and since I often have large tax payments to make, they’re a good card for me to have just in case I don’t have other cards to use when I’m making these tax payments.

Generally, if I receive an NLL offer, I’ll almost always go for it because they are good opportunities to rack up more points.

Chase Ink Business Credit Cards

Chase Ink Business Credit Cards are some of my favorite cards for three reasons: (1) they earn Chase Ultimate Rewards points, (2) they don’t impact my Chase 5/24 status since they’re business cards, and (3) it’s possible to keep opening these cards and earning signup bonuses, even if you previously earned the bonuses before.

There are three main flavors of Chase Ink Business cards. These include the following:

  • Chase Ink Cash
  • Chase Ink Unlimited
  • Chase Ink Preferred

The Chase Ink Cash and Chase Ink Unlimited are both no-annual fee cards with different earnings rates, while the Chase Ink Preferred comes with a $95 annual fee. Of the three, I typically go with whichever card offers the most points with a reasonable spend requirement. Usually, the signup bonus on the Chase Ink Preferred is high enough to offset the annual fee, so I’ll usually grab that one (as an advantage, the Chase Ink Preferred also makes it so you can transfer your Chase Ultimate Rewards points to travel partners, so having this card can be important depending on whether or not you hold the Chase Sapphire Preferred or the Chase Sapphire Reserve).

What makes these Chase Ink cards interesting (and why I’m always regularly opening these cards) is that you can continue to earn the signup bonuses on these cards even if you’ve already earned the signup bonus before. In contrast, most of the other Chase credit cards limit you to either one signup bonus every 24 months or in the case of the Chase Sapphire cards, every 48 months.

The ability to keep earning signup bonuses on the Chase Ink cards means that, in the past, I’ve typically opened a new Chase Ink card about every 3 months or so. My wife has also typically done the same, meaning that in most years, the two of us would open around 6-8 Chase Ink cards each year. We’ve done this for many years now and usually have multiple Chase Ink cards open at the same time. Being able to open so many of these cards means we’ve been able to keep our stash of Chase Ultimate Rewards points regularly topped up.

Unfortunately, it appears that Chase has started to tighten up on how often you can open these cards, so we might see the Chase Ink cards entering my wallet less often. You can still earn the bonus each time you open a new Chase Ink card, but it seems like Chase is starting to limit how easy it is to get approved if you recently got the card or if you have multiple Chase Ink cards already open. For most people, it seems like you’ll be able to get a new one every 6 months or so and likely will need to have 2 or fewer of these cards open at a time to have a good shot of approval.

Still, even with the restrictions, I’m hoping I’ll be able to get these cards once or twice per year at least (but the landscape is shifting, so maybe not).

Note that the Chase Ink cards are business credit cards, so you do need a business to qualify for these cards. However, most people have a business or can start something that would qualify them for these cards.

Southwest Companion Pass Every Two Years

The Southwest Companion Pass is a benefit that Southwest offers where you can fly a designated companion with you for free on every Southwest flight you pay for (that includes flights booked with points). To get this benefit, you have to earn a certain number of points in a calendar year. Importantly, it’s been possible to earn the Southwest Companion Pass from the signup bonuses you get from the Southwest credit cards. Typically, you’ll need to open two Southwest credit cards, and the signup bonuses from those two cards will be enough to earn you the Companion Pass.

For the past 8 years, my wife and I have alternated who gets this pass. Southwest cards limit you to one bonus every 24 months, so our strategy has been to have one of us get the Southwest cards every two years to earn the signup bonus and get the Companion Pass. Usually, we open one Southwest Business Credit Card and one Southwest Personal Credit Card, typically near the end of the calendar year. We then earn the bonus early in the next year. You keep the Southwest Companion Pass for the rest of the year that you earn it in, plus the next calendar year, so earning the Companion Pass early in the year gives you the most time with the Companion Pass.

That being said, Southwest has made some massive changes that will devalue it and put into question whether I’ll continue to spend time getting the Companion Pass. For me, the main issue is that Southwest is putting expiration dates on their travel credits. For the past several years, I’ve been using my American Express Business Platinum airline credits to buy Southwest flights, then cancel them and bank the credits for use at another time. Putting expiration dates on the credits will severely hinder my ability to do this since I don’t want to be in a position where I have to use hundreds of dollars worth of travel credits within 6-12 months.

So, there’s a good chance these Southwest cards start falling out of my wallet.

Final Thoughts

These groups of credit cards are the main ones that I find myself getting over and over. While there are many other cards out there, for me, the best reward points are transferable currencies like the ones from Chase and American Express. This is why I’m constantly opening cards that earn Chase or American Express points. The fact that I’ve been able to get a lot of these cards regularly has helped me a lot.

This post may contain affiliate links. Financial Panther has partnered with AwardWallet and CardRatings for our coverage of credit card products. Financial Panther, AwardWallet, and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on the website are from advertisers. Compensation may impact on how and where card products appear on the site. The site does not include all card companies, or all available card offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

More Recommended Ebike/Scooters

Check out these other ebikes and scooters I've reviewed:

  • Urban Arrow Ebike – Last year, I made one of the largest purchases I’ve ever made – I bought a $9,000 electric cargo bike from Urban Arrow. In my Urban Arrow review, I will discuss what it is and why I decided to buy this bike, as well as discuss how impactful a bike like this can be on your journey to financial independence.
  • Troxus Explorer Step-Thru Ebike – The Troxus Explorer Step-Thru is a fat-tire ebike that I’ve had the pleasure of riding for a while now. It has amazing power, great looks, and awesome range. If you’re looking for a great fat-tire ebike that offers a lot for the price, the Troxus Explorer Step-Thru is definitely one for you to consider. Check out my Troxus Explorer Step-Thru Review.
  • Hovsco HovBeta Ebike – The HovBeta is a folding ebike with great specs and a lot of interesting features, and importantly, it’s sold at a good price point. I’ve had a blast commuting with it and using it to do deliveries with DoorDash, Uber Eats, and Grubhub. Check out my Hovsco HovBeta Ebike Review.
  • Vanpowers Manidae Ebike – The Vanpowers Manidae is a fat tire ebike that I’ve been riding as my primary winter commuting bike and have also been using it to do food delivery with apps like DoorDash, Uber Eats, and Grubhub. After clocking in a decent number of miles with this ebike, I wanted to write a post sharing what my experience with the Vanpowers Manidae ebike has been like. Check out my Vanpowers Manidae Review.
  • Sohamo S3 Step-Thru Folding EBike Review – A Great Value Folding Ebike – The Sohamo S3 Step-Thru Folding Ebike is an entry-level folding ebike that offers a lot of value for the price point. I’ve been riding the Sohamo S3 for a while now, putting the bike through its paces, and I have to say, this bike has exceeded all of my expectations. Check out my Sohamo Review.
  • KBO Flip Ebike – The KBO Flip is an excellent bike. I’ve had a great time riding it and think it’s a versatile bike that can be used for a lot of purposes and can fit a variety of lifestyles. It’s worked out great for me as a general commuter bike and as a food delivery bike. Check out my KBO Flip Review.
  • Hiboy P7 Commuter Ebike – The Hiboy P7 is an excellent electric commuter bike that’s offered at an affordable price point. The range and speed of this bike are both very good, so you won’t have any trouble getting anywhere you need to go with it. As a food delivery vehicle, this is also good – with how much range it offers, you’ll be able to work all day on a single charge. Check out my Hiboy P7 Commuter Electric Bike Review.
  • Himiway Escape Ebike – The Himiway Escape is an interesting bike for anyone looking for a moped-style ebike. If you’re a gig economy worker, the Himiway Escape is particularly interesting and it’s possible to think of it as an investment, especially if you can opt to do deliveries with the Himiway versus using a car. It’s not cheap, but you can definitely make your money back when you compare the mileage you’ll put on your car versus using an ebike. Check out my Himiway Escape Bike Review.
  • Espin Sport Ebike – The Espin Sport is a good ebike for someone who is looking for an ebike that feels and rides more like a regular bike. There are many ebikes that are really only bikes in name. In reality, they’re basically electric mopeds. The Espin Sport, by contrast, is a bike you could probably ride without the battery and you’d feel like you’re just riding a regular bike. Check out my Espin Sport Review.
  • Varla Eagle One Scooter – The Varla Eagle One is an excellent scooter that can make sense for a lot of people. It can work as a primary mode of transportation. You can use it to work on gig economy apps like DoorDash, Uber Eats, and Grubhub. And it can also be a recreational vehicle if you’d prefer to use it for that. Check out my Varla Eagle One Review.
  • Varla Falcon Scooter – The Varla Falcon is an excellent scooter that offers a good amount of power at a lower price point compared to more powerful scooters. It’s not exactly an entry-level scooter, nor is it a high-powered scooter. I think it fits somewhere in-between those two categories – an intermediate scooter if I had to give it a category. Check out my Varla Falcon Review.
  • Hiboy S2 Scooter – The Hiboy S2 is an excellent entry-level commuter scooter that's perfect for someone looking to save some money in transportation costs and improve their commute. Check out my Hiboy S2 Review.
  • Hiboy S2R Scooter – The Hiboy S2R is one of the more interesting electric scooters I’ve been able to test out. It’s not a high-powered scooter, but for an everyday transport option, it’s very useful, especially given some of the unique features that it has. Indeed, for the price, the Hiboy S2R might be the best value scooter I’ve used. Check out my Hiboy S2R Review.
  • Fucare H3 Scooter – The Fucare H3 is a fun scooter and I’ve enjoyed testing it out. For a daily commuter or quick trips or errands, the Fucare H3 is probably the scooter I’ll use. It’s portable and easy to maneuver, so it’s just easier to take on the road when I need it. Check out my Fucare H3 Scooter Review.

More Recommended Investing App Bonuses

For additional investing app bonuses, be sure to check out the ones below:

  • M1 Finance ($100) – This is a great robo-advisor that has no fees and allows you to create a customized portfolio based on your risk tolerance. You also get $100 for opening an account. Check out my M1 Finance Referral Bonus – Step-By-Step Guide.
  • SoFi Invest ($25) – SoFi Invest is an easy brokerage account bonus that you can earn with just a few minutes of work. Use my SoFi Invest referral link, fund your SoFi Invest brokerage account with just $10 and you’ll get $25 of free stock. I also have a step-by-step guide for the SoFi Invest referral bonus.
  • Webull (20 free stock shares) – Webull's current promotion gives you 20 free shares valued between $3-$3,000 each if you open an account using my referral link. Here’s a guide I wrote about how to earn your free shares using Webull.
  • Moomoo (15 free stocks) – Moomoo is a free investing app currently offering 2 different referral bonuses if you open an account using a referral link. Read my Moomoo referral bonus guide for more information.
  • Robinhood (1 free stock) – Robinhood gives you a free stock valued between $2.50-$225 if you open an account using my referral link.
  • Public (1 free stock) - Public gives you a free stock valued between $3-$70 if you open an account using my referral link.

More Recommended Bank Account Bonuses

If you’re looking for more easy bank bonuses, check out the below options. These bonuses are all easy to earn and have no fees or minimum balance requirements to worry about.

  • Upgrade ($200) – Upgrade is a free checking account that’s currently offering a $200 referral bonus if you open an account and complete a direct deposit. These bonus terms are easy to meet, so it’s well worth doing this bonus as soon as you can. Here’s a post I wrote with more details: Upgrade $200 Referral Bonus – Step By Step Directions.
  • Ally Bank ($100) – Of all the banks out there, Ally is, without a doubt, my favorite. At the moment, Ally is offering $100 to customers who open an eligible Ally account and meet the requirements. Here are the step-by-step directions to earn your Ally Bank referral bonus.
  • Fairwinds Credit Union ($175) – Fairwinds Credit Union is offering a referral bonus for users that sign up using a referral link. Fairwinds has no fees or minimum balance, so this is a particularly easy bonus to earn. Since this is a smaller credit union, my gut instinct tells me this offer won’t be around long, so if you’re in a position to meet the bonus requirements, grab this bonus before it’s gone. Here is my step-by-step guide on how to earn your Fairwinds Credit Union bonus.
  • Chime ($100) - Chime is a free bank account that offers a referral bonus if you use a referral link and complete a direct deposit of $200 or more. In practice, any ACH transfer into this account triggers the bonus. This bonus is easy to earn and posts instantly, so you’ll know if you met the requirements as soon as you move money into the account. I wrote a step-by-step guide on how to earn your Chime referral bonus that I recommend you check out.
  • US Bank Business ($900) – This is a fairly easy bank bonus to earn, since there are no direct deposit requirements. In addition, you can open the Silver Business Checking account, which comes with no monthly fees. Check out how to earn this big bonus here.
  • GO2Bank ($50) - GO2Bank is an easy bank bonus that I recommend people take advantage of if they have an easy way of meeting the direct deposit requirement. I like that it’s easy to open the account and that the bonus pays out quickly. Check out my step-by-step guide on how to earn your GO2Bank $50 referral bonus.
  • Current ($50) – Current is a free fintech bank that’s offering new users a $50 referral bonus after signing up for an account using a referral link. Current is an easy bonus to earn and also gives you access to three savings accounts that pay you 4% interest on up to $2,000. That means you can put away up to $6,000 earning 4% interest. That’s very good and makes Current an account I recommend to everyone. Check out my step-by-step guide on how to earn your Current Bank bonus.
  • Novo Bank ($40) - Novo bank is a free business checking account that’s currently offering a $40 bonus if you open a Novo business checking account using a referral link. In addition to being a good bank bonus, Novo is also a good business checking account. It has no monthly fees or minimum balance requirements and operates a good app and website. Indeed, it’s the business checking account I currently use for this blog. Check out my post on how to easily open a Novo account.
  • Varo ($25) – Varo is a free fintech banking app similar to Chime or Current. It’s currently offering a $25 bonus to new users that open a new Varo account with a referral link. The bonus for this bank is very easy to meet, all you need to do is spend $20 within 30 days of opening your Varo account. Check out my step-by-step guide to learn how to earn this bonus.
financial panther

Kevin is an attorney and the blogger behind Financial Panther, a blog about personal finance, travel hacking, and side hustling using the gig economy. He paid off $87,000 worth of student loans in just 2.5 years by choosing not to live like a big shot lawyer.

Kevin is passionate about earning money using the gig economy and you can see all the ways he makes extra income every month in his side hustle reports.

Kevin is also big on using the latest fintech apps to improve his finances. Some of Kevin's favorite fintech apps include:

  • SoFi Money. A really good checking account with absolutely no fees. You'll get a $25 referral bonus if you open a SoFi Money account with a referral link, and an additional $300 if you complete a direct deposit.
  • 5% Savings Accounts. I'm currently getting 5.24% interest on my savings through a company called Raisin. Opening a Raisin account takes minutes to complete, it's free, and all of your funds are FDIC-insured. I explain how it works, why I'm now using it to store my emergency fund and any other cash savings I have, and why I recommend everyone check it out in this review.
  • US Bank Business. US Bank is currently offering new business customers a $900 signup bonus after opening a new account and meeting certain requirements.
  • M1 Finance. This is a great robo-advisor that has no fees and allows you to create a customized portfolio based on your risk tolerance. You also get $100 for opening an account.
  • Empower. One of best free apps you can use to monitor your portfolio and track your net worth. This is one of the apps I use to track my financial accounts.

Feel free to send Kevin a message here.

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