Best credit card offers

This page contains the best publicly available credit card offers. With some of the offers shown below (the one’s with a credit card image), I’ll earn a commission if you click through and are approved for the card. That said, if a better public offer is available, I always show the better offer even if it means no commissions for me. For additional details, see our Advertiser Disclosure. Advertiser partners include American Express, Barclaycard, Capital One, and CreditCards.com

On this page you’ll find the best publicly available credit card offers. If you’re looking for the best cards for spend, please see: Best Category Bonuses, Best Rewards for Everyday Spend, and Best Big Spend Bonuses.

Jump to: Amex, BOA, Barclaycard, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells, Other

Best of the Best
Transferable Points
Ink Biz Preferred 80K
Sapphire Preferred 55K
Biz Plat 75K
Platinum 60K
Airline Cards
Virgin Atlantic 75K
Aviator AA 50K
Citi AA 60K
Southwest 60K
Hotel Cards
Hilton 100K
SPG 25K
Marriott 120K
Hyatt 45K
Misc
Venture 50K
Premium Rewards 50K
Discover 2X 
More Top Points Cards More Top Airline Cards More Top Hotel Cards Top Business Cards
Overall Top 10+ List

Support this site

Links found below with realistic card images are affiliate links. If you use those links and get approved, I’ll earn a commission.  If the card you want isn’t found below, or does not have a realistic image of the card, then please see: How to find the best credit card offers AND support this site.

Jump to: Amex, BOA, Barclaycard, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells, Other

American Express Cards

Note: American Express is a Frequent Miler advertiser

Amex
App
Tips
1 signup bonus per lifetime Better offers may be available. Click for details. Hard inquiries are combined into 1 when approved same day You can have max 5 Amex credit cards, but no known limit for charge cards
Max 1 credit card approval per 5 days and 2 in 90 days, but no known limit for charge cards
[2 credit cards in 1 day is possible when instantly approved]
Check application status here.
If denied, call reconsideration: 877-399-3083 (new accountholders); 866-314-0237 (current accountholders)

American Express Cards / Membership Rewards

Also see: Amex Airline Cards, Amex Hotel Cards, Amex Cash Back Cards

Card / NotesBonus / Annual Fee
The Business Platinum® Card from American Express OPEN The Business Platinum® Card from American Express OPEN
Earning rate: 5X flights and prepaid hotels at Amex Travel; 1.5X points per dollar on eligible purchases of $5000 or more (up to 1 million additional Membership Rewards points per year); 1X elsewhere

Noteworthy Perks:
-Up to $200 a year in statement credits for airline incidental fees;
-$100 Global Entry fee reimbursement.
-Airport lounge benefits.
-Rental car elite status.
-SPG Gold status.
-Hilton Gold status
-Free Boingo wifi.
-10 complimentary single flight segment passes for Gogo inflight internet each calendar year

Terms Apply. See Rates & Fees

See also: Maximizing value from Amex Platinum Cards
Up to 75K: 50K after $10K spend + 25K after additional $10K spend in 3 months.

$450 annual fee

Recent better offer: 150K after $20K Spend (Targeted)
The Business Gold Rewards Card from American Express OPEN The Business Gold Rewards Card from American Express OPEN
Earning rate:
Earn 3X on one of your choice, 2X on rest.

3X choices:
-Airfare purchased directly from airlines
-U.S. purchases for advertising in select media
-U.S. purchases at gas stations
-U.S. purchases for shipping
-U.S. computer hardware, software, and cloud computing purchases made directly from select providers

3X and 2X apply to first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter.

Terms apply. See Rates & Fees
50K after $5K spend in 3 months.

Note: You may be eligible for a bigger signup offer. Call Amex to ask.


Annual fee waived first year, then $175

Recent better offer: 75K after $5K spend, targeted -- call to ask for offer. (last reported 2/25/16)
American Express Platinum Card® for Schwab American Express Platinum Card® for Schwab
Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Earning rate: 5X points for flights booked directly with airlines or with American Express Travel; 5X points for prepaid hotels booked through American Express Travel

Noteworthy Perks:
-Use Membership Rewards® points for deposits by Schwab to your eligible brokerage account. (For example, 10,000 points = $125)
-$100 credit with Schwab holdings of $250,000+ or $200 credit with holdings of $1,000,000+ on approval & each year.

See also: Which is the best Amex Platinum card?
60K after $5K spend in 3 months

$550 annual fee

This card includes all of the great perks that come with the American Express Platinum Card, plus a few perks specific to this Schwab branded version. Card is only available to clients that maintain an eligible Schwab brokerage account.

Recent better offer: None.
The Platinum Card® from American Express Exclusively for Morgan Stanley The Platinum Card® from American Express Exclusively for Morgan Stanley
Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Earning rate: 5X points for flights booked directly with airlines or with American Express Travel. 5X prepaid hotels booked with American Express Travel

Big spend bonus: $500 after $100K cardmember year spend

Noteworthy Perks: 1 Free Authorized User; Redeem points for 1 cent each into your Morgage Stanley account; $550 Annual Engagement Bonus for Reserved Clients

See also: Which is the best Amex Platinum card?
60K after $5K spend in 3 months

$550 annual fee

This card includes all of the great perks that come with the American Express Platinum Card, plus a few perks specific to Morgan Stanley. Note: You must have an eligible Morgan Stanley brokerage account to apply (this IS enforced)

Recent better offer: None.

FM Mini Review: In my opinion, this is the best of the consumer Amex Platinum cards when you need two cards thanks to Morgan Stanley offering one free authorized user
The Platinum Card® from American Express The Platinum Card® from American Express
Earning rate: 5X points for flights booked directly with airlines or with American Express Travel; 5X points for prepaid hotels booked through American Express Travel

Noteworthy Perks:
-$200 Airline Fee Credit. Up to $200 a year in baggage fees and more at one qualifying airline.
-Up to $200 for Uber rides annually. Credit and Uber VIP status for Basic Member only.
-$100 Global Entry fee reimbursement.
-Airport lounge benefits.
-Rental car elite status.
-SPG Gold status.
-Hilton HHonors Gold status.
-Free Boingo wifi
-Free Gold card AUs.

Terms & Conditions Apply. See Rates & Fees

See also: Maximizing value from Amex Platinum Cards
60K after $5K spend in 3 months

$550 annual fee

Recent better offer: 100K after $3K spend direct link (last reported 5/10/16)
The Platinum Card® from American Express Exclusively for Mercedes-Benz The Platinum Card® from American Express Exclusively for Mercedes-Benz
Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Earning rate: 5X points for flights booked directly with airlines or with American Express Travel; 5X prepaid hotel bookings at Amextravel.com; 5X for Mercedes Benz purchases.

Big spend bonus: Receive a $1000 certificate each year you charge $5,000 in purchases, good toward the future purchase or lease of a new Mercedes-Benz

See also: Which is the best Amex Platinum card?
60K after $5K spend in 3 months

$550 annual fee

This card includes all of the great perks that come with the American Express Platinum Card, plus a few perks specific to this Mercedes-Benz branded version.

Recent better offer: 75K after $3K spend. (Ended 6/22/16)
Premier Rewards Gold Card from American Express Premier Rewards Gold Card from American Express
Earning rate: 3X points for flights booked with airlines, 2X points at US gas stations, US supermarkets & US restaurants, 1X points on other purchases.

Terms apply. See Rates & Fees

Noteworthy Perks:
-Up to $100 a year in statement credits for airline incidental fees.

- Get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, if available with The Hotel Collection at americanexpress.com/hc
25K after $2K spend in 3 months

Annual fee waived first year, then $195

Recent better offer: 50K after $1K spend targeted via CardMatch Tool (last reported 2/11/16)
The Gold Card from American Express <br />
for Ameriprise Financial The Gold Card from American Express
for Ameriprise Financial

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Earning rate: 2X points for Flights booked directly with airlines and at U.S. Restaurants

Big spend bonus: 2500 bonus points for every $10K spend, up to 20K bonus points annually

Noteworthy Perks:
-No foreign transaction fees.
-$75 hotel credit on 2+ night stays with the Hotel Collection

Terms & Restrictions Apply. See Rates & Fees
25K after $1K spend in 3 months.

Annual fee waived first year, then $160
The Amex EveryDay® Preferred Credit Card from American Express The Amex EveryDay® Preferred Credit Card from American Express
Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Earning rate: 3x points at US supermarkets on up to $6,000 per year in purchases (then 1x); 2x points at US gas stations; 1x points on other purchases.

Noteworthy Perks: Earn 50% more points: Use your Card 30 or more times on purchases in a billing period and get 50% more points on those purchases less returns and credits. Terms apply. See Rates & Fees

See also: Amex's powerful new EveryDay cards
20K after $1K spend in 3 months

$95 annual fee

Recent better offer: 2/11/16: 30K after $2K spend (targeted via CardMatch Tool)
Note: If you have received a referral offer from a friend, it may be higher than the current public offer

FM Mini Review: Thanks to the 50% bonus on points earned, this is, in my opinion, one of the strongest mile-earning cards available.
Platinum Card® from American Express for Ameriprise Financial Platinum Card® from American Express for Ameriprise Financial
Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Earning rate: 5X points for flights booked directly with airlines or with American Express Travel; 5X points for prepaid hotels booked with American Express Travel

Big spend bonus: 5K bonus points for every $20K spend, up to 30K bonus points annually

See also: Which is the best Amex Platinum card?
Add up to 3 authorized cardholders for free first year, then $175 (total) per year.

Annual fee waived first year, then $550

This card includes all of the great perks that come with the American Express Platinum Card, plus a few perks specific to this Ameriprise branded version.

Recent better offer: 25K after $3K spend (expired 6/30/15)

FM Mini Review: First year with no fee makes this card worth considering for almost everyone.
The Amex EveryDay® Credit Card from American Express The Amex EveryDay® Credit Card from American Express
Earning rate: 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x);

Noteworthy Perks: Make 20 or more purchases in a billing period and get 20% more points, less returns and credits.

Points transferrable to many airline programs (unusual feature for no-fee card)

Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.24% to 25.24%.

$0 balance transfer fee. Balance transfers must be requested within 60 days from account opening.

Terms apply. See Rates & Fees

See also: Amex's powerful new EveryDay cards
10K after $1K spend in 3 months

No annual fee

Recent better offer: 25K after $2K spend (Last reported 3/2016)

FM Mini Review: Great choice for keeping Membership Rewards points alive if you choose to cancel other Membership Rewards earning cards.
The Morgan Stanley Credit Card from American Express The Morgan Stanley Credit Card from American Express
Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Earning rate: 2X U.S. Restaurants; 2X select U.S. Department Stores; 2X Car Rentals Purchased Directly from Select Car Rental Companies; 2X Airfare Purchased Directly from Airlines

Big spend bonus: $100 after $25K card membership year spend

Noteworthy Perks: Invest with rewards (1 point = 1 cent)

Points transferrable to many airline programs (unusual feature for no-fee card)
10K after $1K spend in 3 months

No annual fee

Note: You must have an eligible Morgan Stanley brokerage account to apply (this IS enforced)

Recent better offer: None.
The Blue Business℠ Plus Credit Card The Blue Business℠ Plus Credit Card
Some cardholders have been targeted for a better offer. Click here for more information on how to check if you've been targeted.

Earning rate:
- 2X Membership Rewards points on all purchases, up to $50K spend per calendar year


Terms apply. See Rates & Fees

Noteworthy Perks: 0.0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.49%, 16.49% or 20.49%, based on your creditworthiness and other factors as determined at the time of account opening

See also: The new king of everyday spend


No annual fee

Offer Expires: 12/31/17

Recent better offer: 20K after $3K spend in 3 months (Expired 6/21/17)

FM Mini Review: No other transferable points card offers 2X rewards for ALL spend. With no annual fee, this card is a winner. Big time.

Jump to: Amex, BOA, Barclaycard, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells, Other

American Express Cards / Airlines

Also see: Amex Membership Rewards Cards, Amex Hotel Cards, Amex Cash Back Cards

Card / NotesBonus / Annual Fee
Platinum Delta SkyMiles® Credit Card from American Express Platinum Delta SkyMiles® Credit Card from American Express
Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Earning rate: 2X Delta

Big spend bonus: Earn 10K bonus miles and MQMs (towards elite status) after $25K spend and another 10K bonus miles and MQMs after $50K spend per calendar year.

Noteworthy Perks: Free domestic economy companion certificate after first year. Priority boarding and free checked bags.

Terms Apply. See Rates & Fees

See also: An Analysis of the Platinum Delta SkyMiles credit card
35K miles + 5K MQMs after $1K spend in first 3 months + $100 statement credit after Delta purchase in 1st 3 months

$195 annual fee

Recent better offer: 70K miles + 10K MQMs after $3K spend in first 3 months + $100 statement credit after Delta purchase in first 3 months (Expired 11/8/17)

FM Mini Review: Good choice for frequent Delta flyers who can make use of annual companion certificate
Platinum Delta SkyMiles® Business Credit Card from American Express Platinum Delta SkyMiles® Business Credit Card from American Express
Earning rate: 2X Delta

Big spend bonus: Earn 10K bonus miles and MQMs (towards elite status) after $25K spend and another 10K bonus miles and MQMs after $50K spend per calendar year.

Noteworthy Perks: Free domestic economy companion certificate after first year. Priority boarding and free checked bags.

Terms and Limitations Apply. See Rates & Fees

See also: An Analysis of the Platinum Delta SkyMiles credit card
35K miles + 5K MQMs after $1K spend in first 3 months + $100 statement credit after Delta purchase in 1st 3 months

$195 annual fee

Recent better offer: 70K miles + 10K MQMs after $4K spend in first 3 months + $100 statement credit adter Delta purchase in 1st 3 months (Expired 11/8/17)

FM Mini Review: Good choice for frequent Delta flyers who can make use of annual companion certificate
Gold Delta SkyMiles® Credit Card from American Express Gold Delta SkyMiles® Credit Card from American Express
Earning rate: 2X Delta

Noteworthy Perks: Priority boarding, and free checked bags.

Terms Apply. See Rates & Fees

See also: An Analysis of the Gold Delta Skymiles Credit Card
30K miles after $1K in the first 3 months + $50 statement credit after making a Delta purchase in the first 3 months

Annual fee waived first year, then $95

Recent better offer: 60K miles + $50: 50K miles after $2k in the first 3 months + $50 statement credit after making a Delta purchase in the first 3 months + 10K miles after you spend an additional $1K in the first 6 months (Expired 11/8/17)

FM Mini Review: Priority boarding, and free checked bag make this a good option for Delta flyers who do not have elite status. However, those who can make use of an annual companion certificate would do better with the Delta Platinum card
Gold Delta SkyMiles® Business Credit Card from American Express Gold Delta SkyMiles® Business Credit Card from American Express
Earning rate: 2X Delta

Noteworthy Perks: Priority boarding, and free checked bags.

Terms Apply. See Rates & Fees

See also: An Analysis of the Gold Delta Skymiles Credit Card
30K miles after $1K in the first 3 months + $50 statement credit after making a Delta purchase in the first 3 months

Annual fee waived first year, then $95

Recent better offer: 60K miles + $50: 50K miles after $2k in the first 3 months + $50 statement credit after making a Delta purchase in the first 3 months + 10K miles after you spend an additional $1K in the first 6 months (Expired 11/8/17)

FM Mini Review: Priority boarding, and free checked bag make this a good option for Delta flyers who do not have elite status. However, those who can make use of an annual companion certificate would do better with the Delta Platinum card
Delta Reserve Credit Card from American Express Delta Reserve Credit Card from American Express
Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Earning rate: 2X Delta

Big spend bonus: Earn 15K bonus miles and MQMs (towards elite status) after $30K spend and another 15K bonus miles and MQMs after $60K spend per calendar year.

Noteworthy Perks: Free domestic economy or first class companion certificate after first year. SkyClub access. Priority boarding and free checked bags.

Terms and Restrictions Apply. See Rates & Fees

See also: An Analysis of the Delta Reserve Credit Card
40K miles + 10K MQMs after $3,000 spend in the first 3 months

$450 annual fee

Recent better offer: None.

FM Mini Review: Excellent choice for frequent Delta flyers who can make use of SkyClub access and companion certificate. Also a good choice for big spenders seeking Delta elite status.
Blue Delta SkyMiles® Credit Card from American Express Blue Delta SkyMiles® Credit Card from American Express
Earning rate: 2X US restaurants, 2X Delta, 1X everywhere else

Noteworthy Perks: 20% rebate on in-flight purchases of food, beverages, and headsets

Terms Apply. See Rates & Fees
10K miles after $500 spend in the first 3 months

No annual fee

Note an unusual restriction: Welcome bonus not available if you've had another Delta consumer card in the past 90 days

Recent better offer: None.

FM Mini Review: This card offers an OK signup bonus for a no-fee card, but many/most other cards offer better return for spend.
Delta Reserve Business Credit Card from American Express Delta Reserve Business Credit Card from American Express
Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Earning rate: 2X Delta

Big spend bonus: Earn 15K bonus miles and MQMs (towards elite status) after $30K spend and another 15K bonus miles and MQMs after $60K spend per calendar year.

Noteworthy Perks: Free domestic economy or first class companion certificate after first year. SkyClub access. Priority boarding and free checked bags.

Terms and Restrictions Apply. See Rates & Fees

See also: An Analysis of the Delta Reserve Credit Card
10K miles + 10K MQMs after first purchase

$450 annual fee

Recent better offer: 40K miles + 10K MQMs after you spend $3,000 in the first 3 months (note that some people are still seeing targeted offers for this bonus)

FM Mini Review: Excellent choice for frequent Delta flyers who can make use of SkyClub access and companion certificate. Also a good choice for big spenders seeking Delta elite status.

Jump to: Amex, BOA, Barclaycard, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells, Other

American Express Cards / Hotels

Also see: Amex Membership Rewards Cards, Amex Airline Cards, Amex Cash Back Cards

Card / NotesBonus / Annual Fee
Hilton Honors American Express Aspire Card Hilton Honors American Express Aspire Card
Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Earning rate:
-14X Hilton spend;
-7X US restaurants, flights booked directly with airlines or amextravel.com, select car rental companies
-3X everywhere else
-Terms & Limitations Apply.

Big spend bonus: Second free weekend night after $60K spend in calendar year

Noteworthy Perks:
-Annual Weekend Night Reward upon signup and every year upon renewal
-Free Diamond Status
-Priority Pass w/ 2 free guests
-$250 Hilton Resort Credit per membership year
-$250 Airline Incidental Fee Credit per calendar year
-$100 on-property credit w/ Aspire Card package

Terms Apply. See Rates & Fees

See also: Amex Hilton Aspire In-Depth Review
100K after $4K spend in 3 months

$450 annual fee

Recent better offer: None. Card is new as of 1/18/18

FM Mini Review: This card is loaded with valuable perks that are more than worth the card's annual fee if you stay in Hilton resorts at least once per year, and other Hilton properties a few times a year..
Starwood Preferred Guest® Business Credit Card from American Express Starwood Preferred Guest® Business Credit Card from American Express
Earning rate: 2X Starwood and Marriott Properties

Big spend bonus: SPG Gold elite status with $30K annual spend

Noteworthy Perks: Transfer 20,000 points into miles and get a 5000 mile bonus.

Receive free premium internet at SPG properties, unlimited Boingo WiFi and Sheraton Club lounge access on qualified stays.
25K after $5K spend in first 3 months

Annual fee waived first year, then $95

Terms Apply. See Rates & Fees

Recent better offer: 35K: 25K after $6K spend in 3 months, Additional 10K after additional $4K spend in first 6 months (Expired 11/1/17)

FM Mini Review: Extremely valuable points, but difficult to earn in large quantities except through signup bonus
Starwood Preferred Guest® Credit Card from American Express Starwood Preferred Guest® Credit Card from American Express
Earning rate: 2X Starwood and Marriott Properties

Big spend bonus: SPG Gold elite status with $30K annual spend

Noteworthy Perks: Transfer 20,000 points into miles and get a 5000 mile bonus.

Receive free premium internet at SPG properties and unlimited Boingo Wifi.
25K after $3K spend in 3 months.

Annual fee waived first year, then $95

Terms Apply. See Rates & Fees

Recent better offer: 35K after $5K spend expired 4/5/2017

FM Mini Review: Extremely valuable points, but difficult to earn in large quantities except through signup bonus
Hilton Honors Ascend Card from American Express Hilton Honors Ascend Card from American Express
Earning rate:
-12X Hilton spend;
-6X U.S. restaurants, US Supermarkets, and US gas stations;
-3X everywhere else

Big spend bonus:
Free weekend night after $15K spend in calendar year

Diamond elite status with $40K calendar year spend

Noteworthy Perks:
-Free Gold status. Diamond status w/ $40K spend.
-10 free Priority Pass lounge visits per calendar year.

Terms Apply. See Rates & Fees

See also: Hilton Amex Cards. Everything you need to know.
100K: 75K after $2K spend in 3 months plus 25K after additional $1K spend in first 6 months

$95 annual fee

Recent better offer: Surpass card: 125K after $4K total spend (Expired 12/17)

FM Mini Review: Easy way to secure Hilton Gold status (which offers free breakfast among other perks). Those who want Diamond status may be better off with the Aspire card.
Hilton Honors American Express Business Card Hilton Honors American Express Business Card
Earning rate:
-12X Hilton spend;
-6X US gas stations, US wireless services, US shipping purchases;
-6X US restaurants, flights booked directly with airlines or amextravel.com, select car rental companies
-3X everywhere else

Big spend bonus:
Free weekend night after $15K spend in calendar year and another after $60K spend

Diamond elite status with $40K calendar year spend

Noteworthy Perks:
-Free Gold status. Diamond status w/ $40K spend.
-10 free Priority Pass lounge visits per calendar year.

Terms Apply. See Rates & Fees

See also: Hilton Amex Cards. Everything you need to know.
100K: 75K after $3K spend in 3 months plus 25K after additional $1K spend in first 6 months

$95 annual fee

Recent better offer: None. Card is new as of 1/18/18

FM Mini Review: Easy way to secure Hilton Gold status (which offers free breakfast among other perks). Amex business cards do not count towards 5/24 status so will not hurt chances of applying for Chase cards.
http://refer.amex.us/STEPHPHXyb?xl=cp18 target=_blank>Hilton Honors™ Card from American Express Hilton Honors™ Card from American Express
Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Earning rate:
-7X Hilton spend;
-5X US restaurants, US Supermarkets, and US gas stations;
-3X everywhere else.

Big spend bonus: Gold elite status with $20K calendar year spend

Noteworthy Perks: Free Silver status; Gold status with $20K spend.

Terms Apply. See Rates & Fees

See also: Hilton Amex Cards. Everything you need to know.
65K after $1K spend in 3 months

No annual fee

Recent better offer: 80K after $2K spend in 3 months (Expired 5/31/17)

FM Mini Review: This card isn't particularly rewarding, but it's good to keep primarily for targeted Amex upgrade offers to the Ascend card.

Jump to: Amex, BOA, Barclaycard, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells, Other

American Express Cards / Cash

Also see: Amex Membership Rewards Cards, Amex Airline Cards, Amex Hotel Cards

Card / NotesBonus / Annual Fee
The Plum Card® from American Express OPEN The Plum Card® from American Express OPEN
Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Earning rate: Get a 1.5% discount when you pay early, with no cap on what you can earn back.
Take up to 60 days to pay with no interest, if you pay your minimum due.

Noteworthy Perks: Terms and limitations apply. See Rates & Fees
Earn a $200 statement credit after each $10,000 you spend on the card, up to $30,000, in the first 3 months of Card Membership

Annual fee waived first year, then $250
SimplyCash® Plus Business Credit Card from American Express SimplyCash® Plus Business Credit Card from American Express
Earning rate:
- 5% US office supply stores and US wireless phone services

- 3% your choice from list of categories (e.g. airfare, hotels, car rentals, gas stations, restaurants, select media buys, shipping,computer)

- 1% other purchases

Note: 3% and 5% rebates are capped at $50,000 per rebate year and then earn 1% thereafter

Terms & Limitations Apply. See Rates & Fees
$500: $250 after $5K in 6 months plus $250 after additional $10K in 12 months

No annual fee

Recent better offer: None: this equals the best we've seen

FM Mini Review: Solid cash back card for those who spend a lot within the 5% and 3% categories.
Blue Cash Preferred® Card from American Express Blue Cash Preferred® Card from American Express
Earning rate: 6% cash back at US supermarkets up to $6,000 per year in purchases (then 1%), 3% cash back US gas stations and select US department stores, 1% cash back on other purchases.

Terms apply. See Rates & Fees

Noteworthy Perks: Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.24% to 25.24%.
$200 cash back after $1K in the first 3 months

$95 annual fee

Recent better offer: $250 after $1K spend targeted (last reported 10/2015)

Up to $350: 10% cash back on purchases at U.S. Restaurants in the first 6 months, up to $200 back. Plus, earn $150 back after $1K spend in 3 months. (Expired 5/3/17)

FM Mini Review: Solid cash back option, especially for those who spend a lot at US Supermarkets and US gas stations
Blue Cash Everyday® Card from American Express Blue Cash Everyday® Card from American Express
Earning rate: 3% cash back at US supermarkets up to $6,000 per year in purchases (then 1%), 2% cash back at US gas stations and select US department stores, 1% cash back on other purchases.

Terms apply. See Rates & Fees

Noteworthy Perks: Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.24% to 25.24%.
$150 cash back after $1K in the first 3 months

No annual fee

Recent better offer: $250 after $1K spend targeted (last reported 10/2015)

Up to $300: 10% cash back on purchases at U.S. Restaurants in the first 6 months, up to $200 back. Plus, earn $100 back after $1K spend in 3 months. (Expired 5/3/17)

Jump to: Amex, BOA, Barclaycard, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells, Other

Bank of America Cards

Please also see: How to find the best credit card offers AND support this site.

BOA
App
Tips
OK to get the same card & bonus again, even if you still have the previous card open. Consumer card applications: Limit 2 per rolling 2 months, 3 per rolling 12 months, and 4 per rolling 24 months. Hard inquiries are usually combined into 1 when initiated within 30 days but there have been reports of TransUnion not combining.  YMMV. BOA appears to be enforcing a 5 personal card limit
 Click here to check your application status
If denied, call reconsideration here: 800-354-0401 (8am-7pm ET Mon-Fri); 866-695-6598 (business cards);
Card / NotesBonus / Annual Fee
BOA Virgin Atlantic card BOA Virgin Atlantic card
Earning rate: 1.5X everywhere

Big spend bonus: 7,500 bonus points with $15K cardmember year spend + an additional 7,500 points with $25K cardmember year spend; Also: 25 tier point towards elite status per $2,500 spend (max 50 tier points per month).

See also: An analysis of the Virgin Atlantic 90K offer
75K: 20K after first purchase + 50K after $12K spend in 6 months + 5K for adding 2 authorized users

$90 annual fee
BOA Amtrak Guest Rewards World Mastercard BOA Amtrak Guest Rewards World Mastercard
Earning rate: 3X Amtrak, 2X qualifying travel, 1X elsewhere

Big spend bonus: Earn 1,000 Tier Qualifying Points towards elite status for each $5K spent in a calendar year. Limit 4,000 TQPs per year. Ability to transfer up to 25,000 points to hotel partners after $20K calendar year spend.

Noteworthy Perks: 5% Amtrak Guest Rewards point rebate on redemptions.

Complimentary companion coupon, One-Class Upgrade and a single-day ClubAcela pass each year.

See also: Amtrak Guest Rewards credit card review
20K after $1K spend in 3 months

$79 annual fee

Recent better offer: 30K after $1K spend in 3 months
BOA Alaska Airlines Visa Signature BOA Alaska Airlines Visa Signature
Earning rate: 3X Alaska Airlines, 1X elsewhere

Noteworthy Perks: $121+ For a limited time, $0+ coach companion pass every year; free first checked bag for you and up to six other passengers on your reservation
30K + $100 statement credit + $0 (+ taxes/fees) companion fare after $1K spend.

$75 annual fee

Recent better offer: None recently

FM Mini Review: Alaska miles are quite valuable so this offer is better than it appears
BOA Premium Rewards BOA Premium Rewards
Earning rate: 2X travel and dining, 1.5X everywhere else

Noteworthy Perks: $100 annual airline incidentals fee reimbursement
Up to 75% bonus for Preferred Rewards banking customers
50K after $3K spend in 90 days

$95 annual fee

FM Mini Review: This card has best-in-class earnings for those with $100K+ invested with BOA. With that level of investment, you would earn 3.5X travel & dining and 2.62X everywhere else.
BOA Amtrak Guest Rewards Platinum Mastercard BOA Amtrak Guest Rewards Platinum Mastercard
Earning rate: 2X Amtrak, 1X elsewhere

Noteworthy Perks: 5% Amtrak Guest Rewards point rebate on redemptions.

See also: Amtrak Guest Rewards credit card review
12K after $1K spend in 3 months

No annual fee

Recent better offer: 15K after $1K spend in 3 months
BOA Alaska Airlines Visa Business Card BOA Alaska Airlines Visa Business Card
Earning rate: 3X Alaska Airlines, 1X elsewhere

Noteworthy Perks: $121+ coach companion pass every year
30K after $1K spend in 3 months

$75 annual fee

Recent better offer: None

FM Mini Review: Alaska miles are quite valuable so this offer is better than it appears
BOA Business Advantage Travel Rewards World Mastercard BOA Business Advantage Travel Rewards World Mastercard
Earning rate: 3X for travel booked through BOA's travel center
25K after $1K spend in 60 days

No annual fee
BOA Business Advantage Cash Rewards Mastercard BOA Business Advantage Cash Rewards Mastercard
Earning rate: 3% gas and office supply; 2% restaurants
$200 after $500 spend in 60 days

No annual fee
BOA Platinum Business Visa BOA Platinum Business Visa$200 after $500 spend in 60 days

No annual fee

FM Mini Review: No rewards on everyday purchases, but a nice sign-up bonus for a no annual fee card.
BOA Travel Rewards BOA Travel Rewards
Earning rate: 1.5X everywhere

Noteworthy Perks: Up to 75% bonus for Preferred Rewards banking customers

See also: Up to 2.625% back for timeshares, fortune tellers and more
20K after $1K spend in 90 days

No annual fee
BOA Virgin Atlantic White Card BOA Virgin Atlantic White Card
Earning rate: 3X Virgin Atlantic; 1X elsewhere

Big spend bonus: 2,500 bonus points with $5K cardmember year spend + an additional 5,000 points with $15K cardmember year spend;
15K: 12,500 miles after first purchase + 2,500 miles for adding 1 authorized user

$49 annual fee

Recent better offer: None
Asiana Airlines Visa Signature Asiana Airlines Visa Signature
Earning rate: 2X gas and grocery and 3X Asiana.

Noteworthy Perks:
*10,000 points awarded annually
*$100 annual rebate on Asiana ticket purchases
*2 lounge invitations every year on card anniversary
30K after $3K spend in 90 days

$99 annual fee
Major League Baseball®<br />
BankAmericard Cash Rewards™ MasterCard® credit card Major League Baseball®
BankAmericard Cash Rewards™ MasterCard® credit card

Earning rate: 2% at grocery stores and wholesale clubs; and 3% on gas up to the first $2,500 in combined purchases each quarter

Noteworthy Perks: Up to 75% bonus for Preferred Rewards banking customers
$150 after $500 spend in 90 days

No annual fee
BOA Cash Rewards BOA Cash Rewards
Earning rate: 2% at grocery stores and wholesale clubs; and 3% on gas up to the first $2,500 in combined purchases each quarter

Noteworthy Perks: Up to 75% bonus for Preferred Rewards banking customers
$150 after $500 spend in 90 days

No annual fee
Asiana Airlines Visa Business Card Asiana Airlines Visa Business Card
Earning rate: 2X Asiana

Noteworthy Perks:
*2 X $100 credits annually on U.S. departure Asiana operated flights.
10K after after first purchase

$80 annual fee

Please also see: How to find the best credit card offers AND support this site.

Jump to: Amex, BOA, Barclaycard, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells, Other

Barclaycard

Barclaycard
App
Tips
No known rules against getting same card & bonus again, but getting approved may be difficult. Hard inquiries combined into 1 when approved same day Most credit inquiries go through TransUnion
 Click here to check your application status
If denied, call reconsideration here: 866-408-4064
Card / NotesBonus / Annual Fee
Lufthansa Miles & More® Premier World MasterCard®  issued by Barclaycard Lufthansa Miles & More® Premier World MasterCard® issued by Barclaycard
Earning rate: 2X Miles & More

Noteworthy Perks: Cardmembers receive a companion ticket and two complimentary Lufthansa Business Lounge vouchers after first purchase and each year after paying the annual fee
50K: 20K after first purchase & 30K after $5K spend in 90 days

$89 annual fee

Recent better offer: None. This is the best we've seen.
AAdvantage® AviatorTM Red World Elite MasterCard® AAdvantage® AviatorTM Red World Elite MasterCard®
Earning rate: 2X AA; 1X everywhere else

Noteworthy Perks:
-First checked bag free
-Preferred boarding for the primary cardmember and up to 4 companions traveling on the same reservation
-10% rebate on AA awards (up to 10K per year)
-Reduced mileage awards
-25% off in-flight purchases
50k miles after 1st purchase within 90 days and payment of the $95 AF

$95 annual fee

Recent better offer: 60K After first purchase in 3 months and payment of the $95 annual fee (Expired 2/18)
JetBlue Plus Card JetBlue Plus Card
Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Earning rate: 2X restaurants and grocery; 6X JetBlue; 1X everywhere else

Big spend bonus: Earn Mosaic elite status with $50,000 calendar year spend. Mosaic status good for rest of calendar year and all of next year.

Noteworthy Perks:
- Free checked bag
- 5000 bonus points every anniversary
- 10% point rebate on awards
- $100 statement credit w/ purchase of travel package
- 50% savings on in-flight purchases

See also: Barclaycard JetBlue offers are live and worth a look
40K after $1K spend in 90 days

$99 annual fee

Offer Expires: 12/31/17

Recent better offer: 60K after $1K spend in 90 days

FM Mini Review: Frequent JetBlue travelers should seriously consider this card for its terrific perks. The combination of the 10% rebate on awards and the annual 5,000 point bonus make this card a keeper.
AAdvantage® AviatorTM Business MasterCard® AAdvantage® AviatorTM Business MasterCard®
Earning rate: 2X AA, office supply, telecommunications services, and at car rental agencies; 1X everywhere else

Noteworthy Perks:
-First checked bag free
-Preferred boarding
-5% bonus on miles earned the previous year after AF is paid
-Reduced mileage awards
-25% statement credit on in-flight purchases
40k miles after 1st purchase within 90 days and payment of the $95 AF

$95 annual fee

Recent better offer: None.
Barclaycard Arrival Plus® World Elite Mastercard® Barclaycard Arrival Plus® World Elite Mastercard®
Earning rate: 2X Miles on all purchases;

Noteworthy Perks:
-Get 5% Miles back when redeeming for travel;
-Chip wth PIN capability

0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 17.24%, 21.24% or 24.24%, based on your creditworthiness.
There is a fee for balance transfers.


See also: Why the Recent Arrival Changes are a Terrible Business Move For Barclaycard
40K after $3K spend in 90 days

Annual fee waived first year, then $89
Frontier Airlines World MasterCard® Frontier Airlines World MasterCard®
Earning rate: 2X Frontier Airlines

Big spend bonus: $100 discount voucher after $2,500 in annual spend.



Noteworthy Perks: Keep miles from expiring with one purchase every six months.

No award redemption fee when taxes/fees are paid for with the card.
40K after $500 spend in 90 days

$69 annual fee
JetBlue Business Card JetBlue Business Card
Earning rate: 2X restaurants and office supply stores; 6X JetBlue; 1X everywhere else

Big spend bonus: Earn Mosaic elite status with $50,000 calendar year spend. Mosaic status good for rest of calendar year and all of next year.

Noteworthy Perks:
* Free checked bag
* 5000 bonus points every anniversary
* 10% point rebate on awards
* $100 statement credit w/ purchase of travel package
* 50% savings on in-flight purchases

See also: Barclaycard JetBlue offers are live and worth a look
30K after $1K spend in 90 days

$99 annual fee

Recent better offer: None. This is the best we've seen.

FM Mini Review: This card is almost identical to the JetBlue Plus card except that this one earns 2X at office supply stores rather than grocery stores. Both cards are winners.
The Hawaiian Airlines® World Elite MasterCard® issued by Barclaycard The Hawaiian Airlines® World Elite MasterCard® issued by Barclaycard
Earning rate: 2X Hawaiian Airlines

Big spend bonus: Earn 5,000 annual bonus miles after $10,000 in annual spend

Noteworthy Perks: Free checked bag;
One time 50% off companion ticket; $100 off a companion ticket for roundtrip coach travel between Hawaii and North America on Hawaiian Airlines at each account anniversary;
50K after $3K spend in 90 days

$89 annual fee
Choice Privileges® Visa Signature® Card issued by Barclaycard Choice Privileges® Visa Signature® Card issued by Barclaycard
Earning rate: 5X at Choice Hotels and on purchases of Choice Hotels points or gift cards; 2X everywhere else

Big spend bonus: Earn 8,000 annual bonus points after $10,000 in annual spend

Noteworthy Perks: Automatic Gold status
32K after $1K spend in 90 days

No annual fee

Recent better offer: 40K after $1K spend in 90 days (Expired 5/31/17)
The Hawaiian Airlines® Business MasterCard® issued by Barclaycard The Hawaiian Airlines® Business MasterCard® issued by Barclaycard
Earning rate: 2X Hawaiian Airlines

Big spend bonus: Earn up to 40,000 annual bonus miles — 20k miles with $50-$99k annual spend or 40k miles with $100k or more annual spend;

Noteworthy Perks: One-time 50% off a companion discount on roundtrip coach travel between Hawaii and North America on Hawaiian Airlines;
35K after first purchase

$89 annual fee
JetBlue Card JetBlue Card
Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Earning rate: 2X restaurants and grocery; 3X JetBlue; 1X everywhere else

Noteworthy Perks: 50% savings on eligible inflight purchases including cocktails, food and movies.

See also: Barclaycard JetBlue offers are live and worth a look
10K after $1K spend in 90 days

No annual fee

Recent better offer: 9/2017: 15K after $1K spend

FM Mini Review: Not bad for a fee-free airline card.
Wyndham Rewards Visa issued by Barclaycard Wyndham Rewards Visa issued by Barclaycard
Earning rate: 5X Wyndham; 2X gas, utility & grocery; 1X everywhere else

Noteworthy Perks:
- 6,000 bonus points every account anniversary
- Platinum status (matches to Caesar's Total Rewards Platinum)
30K: 15K after first purchase plus 15K after $1,000 spend in 90 days

$75 annual fee

Wyndham charges a flat rate for free nights at all properties: 15,000 points per night. That's great for higher end properties, but poor value for cheap properties.

Recent better offer: 1/15/18: 45K (30K after first purchase plus 15K after $2,000 spend in 90 days)
Wyndham Rewards Visa issued by Barclaycard (no annual fee) Wyndham Rewards Visa issued by Barclaycard (no annual fee)
Earning rate: 3X Wyndham; 2X gas, utility & grocery; 1X everywhere else

Noteworthy Perks:
- Gold status
15K after first purchase

No annual fee

Wyndham charges a flat rate for free nights at all properties: 15,000 points per night. That's great for higher end properties, but poor value for cheap properties.

Recent better offer: 1/15/18: 18K (15K after first purchase, 3K additional after $1K spend in 90 days)
Uber Visa Card Uber Visa Card
Earning rate: 4% eateries, 3% travel, 2% online purchases (including online purchases made with third party payment methods like PayPal, Venmo, Apple Pay, Android Pay, and Samsung Pay), 1% everywhere else

Noteworthy Perks:
- Annual $50 subscription credit when you spend $5,000 in a year (good for things like Netflix, HBO NOW, Amazon Prime, etc) — note that this benefit kicks in during the second year if you spend $5K in year 1)
- Up to $600 mobile phone insurance against theft or damage when you charge your total monthly bill to the card ($25 deductible)
-No foreign transaction fees
$100 after $500 spend in 90 days

No annual fee
Barclaycard CashForward Barclaycard CashForward
The affiliate offer for this card has expired and it is temporarily unavailable through Frequent Miler.

Earning rate: 1.5% everywhere

Noteworthy Perks: When you redeem, earn 5% back towards next redemption. e.g. Redeem $100 cash back, earn $5 bonus towards next redemption. Note that redemptions start at $50.

Enjoy a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply
$200 after $1,000 spend in the first 90 days

No annual fee
AAdvantage® AviatorTM Silver World Elite MasterCard® AAdvantage® AviatorTM Silver World Elite MasterCard®
Earning rate: 3X AA; 2X hotel and car rentals; 1X everywhere else

Big spend bonus: Earn $3,000 EQDs after spending $25K and another $3,000 EQDs after $50K of spend.

Noteworthy Perks:
-First checked bag free
-Priority Boarding
-10% rebate on AA awards (up to 10K per year)
-Reduced mileage awards
-$100 Global Entry application fee credit
-25% off in-flight purchases
This card is currently available by invitation only.

$195 annual fee

Jump to: Amex, BOA, Barclaycard, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells, Other

Capital One

Please also see: How to find the best credit card offers AND support this site.

Capital One
App
Tips
There is no known rule against getting the same card and bonus again even if you still have the card open Must wait 6 months after application before applying for another Capital One card Most credit inquiries go through all 3 bureaus You can have max 2 Capital One personal cards
(not counting co-brands)
To check application status, call  (800) 903-9177 or (877) 277-5901
If denied, call reconsideration here: (800) 625-7866
Card / NotesBonus / Annual Fee
Capital One® Venture® Rewards Credit Card Capital One® Venture® Rewards Credit Card
Earning rate: 2X everywhere

Noteworthy Perks:
- Earn 10x miles on hotels when you pay with your Venture card at hotels.com/venture
- Redeem miles for travel at value of 1 cent per mile.
50K after $3K spend in 3 months from account opening

Annual fee waived first year, then $95

FM Mini Review: This is basically a 2% cash back card, but rewards can only be used to offset travel purchases. Signup bonus is excellent, but due to the annual fee, you can do better after the first year.
Capital One® Spark® Cash for Business Capital One® Spark® Cash for Business
Earning rate: 2% everywhere
$500 after $4,500 spend in 3 months from account opening

Annual fee waived first year, then $95

Recent better offer: $1,000 after $10,000 spend in 3 months from account opening

FM Mini Review: Many cards offer unlimited 2% cash back, but this is the only business card I know of that does so. This is a good option for business owners who prefer simple cash back rewards.
Capital One® Spark® Miles for Business Capital One® Spark® Miles for Business
Earning rate: 2X everywhere

Noteworthy Perks: Redeem miles for travel at value of 1 cent per mile.
50K after $4,500 spend in 3 months from account opening

Annual fee waived first year, then $95

FM Mini Review: This card is basically the same as the Spark Cash for Business, but rewards can only be used to offset travel purchases. This is a good option for business owners who prefer simple rewards and who value free travel over cash back.
Capital One® VentureOne® Rewards Credit Card Capital One® VentureOne® Rewards Credit Card
Earning rate: 1.25X everywhere

Noteworthy Perks:
- Earn 10x miles on hotels when you pay with your VentureOne card at hotels.com/venture
- Redeem miles for travel at value of 1 cent per mile.
20K after $1K spend in 3 months from account opening

No annual fee

FM Mini Review: Many no-fee cards offer better rewards, so there's no point in using this card after collecting the signup bonus.
Capital One® Spark® Cash Select for Business Capital One® Spark® Cash Select for Business
Earning rate: 1.5% everywhere
$200 after $3,000 spend in 3 months from account opening

No annual fee

FM Mini Review: This is a good option for business owners looking for simple cash back rewards with no annual fee. If you spend more than $19,000 per year, though, you would be better off with the 2% Spark Cash card.
Capital One® Spark® Miles Select for Business Capital One® Spark® Miles Select for Business
Earning rate: 1.5X everywhere

Noteworthy Perks: Redeem miles for travel at value of 1 cent per mile.
20K after $3,000 spend in 3 months from account opening

No annual fee

FM Mini Review: This card is basically the same as the Spark Cash Select for Business, but rewards can only be used to offset travel purchases. This is a good option for business owners who prefer simple rewards with no annual fee, and who value free travel over cash back. If you spend more than $19K per year, though, go for the 2X Spark Miles card.
Capital One® Savor℠ Cash Rewards Credit Card Capital One® Savor℠ Cash Rewards Credit Card
Earning rate: 3% on dining, 2% on groceries, 1% everywhere else

Noteworthy Perks:
0% intro APR on purchases for 9 months; 15.74%-24.49% variable APR after that
$150 after $500 spend in 3 months from account opening

No annual fee

FM Mini Review: The combination of 3% cash back on dining and no foreign transaction fees would be attractive for a no annual fee card, but the Barclaycard Uber card eclipses this one by offering 4% cash back for dining.
Capital One® Quicksilver® Cash Rewards Credit Card Capital One® Quicksilver® Cash Rewards Credit Card
Earning rate: 1.5% everywhere

Noteworthy Perks: Get 50% back on Spotify Premium
with Quicksilver® through April 2018
$150 after $500 spend in 3 months from account opening

No annual fee

FM Mini Review: While you can do better with a no-fee 2% cash back card, the Quicksilver card often offers excellent discounts with popular services such as Uber or Spotify.

Please also see: How to find the best credit card offers AND support this site.

Jump to: Amex, BOA, Barclaycard, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells, Other

Chase Cards

Please also see: How to find the best credit card offers AND support this site.

Chase
App
Tips
Must wait 24 months after previous bonus to signup for same card, but no wait required for Ink biz cards Better offers may be available. Click for details. Difficult to get approved if you’ve opened 5 or more cards in past 24 months Hard inquiries combined into 1 when approved same day Usual max 2 new cards per month (but rule seems to vary)
Call (888) 338-2586 to check your application status
If denied, call reconsideration here:1-888-270-2127 for both personal and business cards;
or 800-527-7415 for the Ritz card

Chase Cards / Ultimate Rewards

Also see: Chase Airline Cards, Chase Hotel Cards, Chase Cash Back Cards

Card / NotesBonus / Annual Fee
Chase Ink Business Preferred Card Chase Ink Business Preferred Card
Earning rate: 3X travel, shipping, internet, cable, phone, and advertising with social media sites (up to $150K spend per year)

Noteworthy Perks:
- Points worth 25% more when redeemed for travel
- Cell phone protection against theft or damage

See also: How to sign up for Chase Ink cards
80K after $5K spend in 3 months

$95 annual fee

100K offer may be available in-branch through a Business Relationship Manager.

This card is known to be subject to Chase's 5/24 rule.

FM Mini Review: Great card for signup bonus and 3X categories. Also consider Chase Ink Cash for its 5X categories
Chase Sapphire Preferred℠ Card Chase Sapphire Preferred℠ Card
Click the above link for Application Tips

Earning rate: 2X Travel and Dining

Noteworthy Perks: Primary auto rental collision damage waiver

See also: Transferable points programs
55K: 50K after $4K spend in 3 months + 5K for adding authorized user

Annual fee waived first year, then $95

Note: This card is known to be subject to Chase's 5/24 rule.

FM Mini Review: Great signup bonus. This may be the single best "starter card" for those eager to get into miles & points.
Chase Sapphire Reserve Card Chase Sapphire Reserve Card
Earning rate: 3X Travel and Dining

Noteworthy Perks:
* $300 Annual Travel Credit
* Points worth 1.5 cents each towards travel
* Primary auto rental collision damage waiver
* Priority Pass Select lounge access
* $100 Global Entry fee credit

See also: Sapphire Reserve Complete Guide
50K after $4K spend in 3 months

$450 annual fee

Note: This card is known to be subject to Chase's 5/24 rule.

Recent better offer: 100K after $4K spend in 3 months, last seen 3/11/2017 in-branch

FM Mini Review: Excellent all-around card for frequent traveler. Best when paired with no-fee Chase Freedom, no-fee Freedom Unlimited & no-fee Chase Ink Cash
Chase Ink Cash® Business Credit Card Chase Ink Cash® Business Credit Card
-> Click here for application tips

Earning rate: 5X office supplies, 5X cellular/landline/cable; 2X gas and restaurants

See also: How to sign up for Chase Ink cards
30K after $3K spend in 3 months

No annual fee

Note: This card is known to be subject to Chase's 5/24 rule.

You may also be able to get the 30K bonus by applying in-branch. More info here.

FM Mini Review: Great card for 5X categories. Excellent companion card to Sapphire Reserve or Sapphire Preferred!
Chase Freedom® Unlimited Chase Freedom® Unlimited
Earning rate: 1.5X on all purchases.

See also: Transferable points programs
17.5K: 15K after $500 spend in 3 months + 2.5K for adding authorized user

No annual fee

Note: This card is known to be subject to Chase's 5/24 rule.

FM Mini Review: Great to earn 1.5X Ultimate Rewards in categories with no bonuses. Excellent companion card to Sapphire Reserve or Sapphire Preferred!
Chase Freedom® Chase Freedom®
Earning rate: 5X in rotating categories

See also: Transferable points programs
17.5K: 15K after $500 spend in 3 months + 2.5K for adding authorized user

No annual fee

Note: This card is known to be subject to Chase's 5/24 rule.

FM Mini Review: Great for 5X categories. Excellent companion card to Sapphire Reserve or Sapphire Preferred!

Please also see: How to find the best credit card offers AND support this site.

Jump to: Amex, BOA, Barclaycard, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells, Other

Chase Cards / Airlines

Also see: Chase Ultimate Rewards, Chase Hotel Cards, Chase Cash Back Cards

Card / NotesBonus / Annual Fee
Chase Southwest Airlines Rapid Rewards® Premier Business Card Chase Southwest Airlines Rapid Rewards® Premier Business Card

Big spend bonus: If you earn 110,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year


Noteworthy Perks: 6000 bonus points each year upon card renewal.
60K after $3K spend in 3 months

$99 annual fee

Note: This card is known to be subject to Chase's 5/24 rule.

Recent better offer: None. This is the highest public offer we've seen.
Chase United MileagePlus® Explorer Card Chase United MileagePlus® Explorer Card

Big spend bonus: 10K bonus miles after $25K calendar year spend

Noteworthy Perks:
-Improved saver award availability
-Last seat standard award availability
-Free first checked bag
-Priority boarding
-No foreign exchange fees
-2 United Club passes per year
-Primary auto rental collision damage waiver
50K after $3K spend in 3 months + 5K for adding an authorized user + $100 statement credit after first purchase

Annual fee waived first year, then $95

You may be targeted for a better offer. Details here.

Note:This card is known to be subject to Chase's 5/24 rule

Recent better offer: 70K + $100 statement credit (targeted)
Chase Southwest Airlines Rapid Rewards® Plus Card Chase Southwest Airlines Rapid Rewards® Plus Card
--->Click here for application tips


Big spend bonus: If you earn 110,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year


Noteworthy Perks: 3000 bonus points each year upon card renewal.
50K after $2K spend in 3 months

$69 annual fee

Note: This card is known to be subject to Chase's 5/24 rule.

Recent better offer: 60K after $2K spend in 3 months (Expired 10/9/17)
Chase Southwest Airlines Rapid Rewards® Premier Credit Card Chase Southwest Airlines Rapid Rewards® Premier Credit Card

Big spend bonus: If you earn 110,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year


Noteworthy Perks: 6000 bonus points each year upon card renewal.
50K after $2K spend in 3 months

$99 annual fee

Note: This card is known to be subject to Chase's 5/24 rule.

Recent better offer: 60K after $2K spend in 3 months (Expired 10/9/17)
Chase United MileagePlus® Explorer Business Chase United MileagePlus® Explorer Business

Big spend bonus: 10K bonus miles after $25K calendar year spend

Noteworthy Perks:
-Improved saver award availability
-Last seat standard award availability
-Free first checked bag
-Priority boarding
-No foreign exchange fees
-2 United Club passes per year
-Primary auto rental collision damage waiver
50K after $3K spend in 3 months

Annual fee waived first year, then $95

You may be targeted for this same offer with a $50 statement credit. Details here.

Note: This card is known to be subject to Chase's 5/24 rule.

Recent better offer: 50K after $2K spend. (Last reported in 4/2016)
Chase British Airways Visa Signature® Card Chase British Airways Visa Signature® Card
--->Click here for application tips

Earning rate: 3X British Airways, Iberia, and Open Skies purchases; 1X elsewhere

Big spend bonus: Every calendar year you make $30,000 in purchases on your British Airways Visa card, you’ll earn a Travel Together companion Ticket good for two years.
75K:
-50K after $3K spend in 3 months
-Additional 25K after $10K total spend in 1st year


$95 annual fee

Note: This card is believed to not be subject to Chase's 5/24 rule

You may also be able to find a 50K offer with the annual fee waived the first year. For the latest info, see this Flyertalk thread.

Recent better offer: 100K:
-50K after $3K spend in 3 months
-Additional 25K after $10K total spend in 1st year
-Additional 25K after $20K total spend in 1st year (Expired 10/17)
Chase United MileagePlus® Club Card Chase United MileagePlus® Club Card
-->Click here for application tips

Earning rate: 2X United, 1.5X everywhere else

Noteworthy Perks:
-United Club membership;
-No fees on close-in awards;
-Priority check-in, security screening, baggage handling, and boarding;
-Free 1st and 2nd checked bags;
-Hertz President's Circle Elite Status;
-Hyatt Discoverist elite status;
-Primary auto rental collision damage waiver
50K after $3K spend in 3 months

$450 annual fee

You may be targeted for a 75K offer on this card. Details here.

Note:This card is known to be subject to Chase's 5/24 rule.

Recent better offer: It is common to receive a targeted offer with the first year fee waived

Please also see: How to find the best credit card offers AND support this site.

Jump to: Amex, BOA, Barclaycard, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells, Other

Chase Cards / Hotels

Also see: Chase Ultimate Rewards Cards, Chase Airline Cards, Chase Cash Back Cards

Card / NotesBonus / Annual Fee
Chase Hyatt Visa Signature Chase Hyatt Visa Signature
Earning rate: 2X restaurants, airlines, car rentals. 3X Hyatt

Big spend bonus: Spend $50K in calendar year to get mid-tier Explorer status

Noteworthy Perks: Discoverist elite status; Free category 1-4 night every year upon renewal
40,000 points + 5K + $50 statement credit: 40,000 points after $2K spend in 3 months + 5,000 points for adding authorized user + $50 statement credit after your first purchase

$75 annual fee

Note: This card is believed to not be subject to Chase's 5/24 rule

You may be able to get an offer including a $50 statement credit by creating a dummy booking on the Hyatt website and going to the final booking screen.

Recent better offer: 2 nights + 5K + $50 statement credit: 2 free nights after $2K spend in 3 months + 5,000 points for adding authorized user + $50 statement credit after your first purchase

FM Mini Review: Great card for signup bonus. May be worth keeping for annual free night. There are better choices of cards to use for spend.
Chase Marriott Rewards® Premier Chase Marriott Rewards® Premier
There is also an offer available for 75K after $3K spend with the annual fee waived the first year. Click here for that offer.

Earning rate: 2X airline, car rental, & restaurants. 5X Marriott.

Big spend bonus: 1 credit towards elite status for every $3,000 in purchases

Noteworthy Perks: 15 night credit towards elite status every year upon account anniversary. Free category 1-5 certificate each year upon renewal.
Up to 120K: 10 points per dollar on up to $12,000 in spend in the first year

Annual fee waived first year, then $85

Note:This card is known to be subject to Chase's 5/24 rule.

You may be able to find a better offer by logging into your Marriott Rewards account and simulating the steps of a booking. (You do not need to complete a booking.)

Recent better offer: 107.5K: 100K after $5K spend in 3 months plus 7.5K for adding an authorized user and making a purchase
Chase Marriott Rewards® Premier Business Chase Marriott Rewards® Premier Business
Earning rate: 2X airline, car rental, & restaurants. 5X Marriott. 2X office supply, internet, cable, phone.

Big spend bonus:
* 1 credit towards elite status for every $3,000 in purchases
* Automatic Gold status with $50K spend per account year.*

Noteworthy Perks: 15 night credit towards elite status every year upon account anniversary. Free category 1-5 certificate each year upon renewal.
75K after $3K spend in 3 months

Annual fee waived first year, then $99

Note: This card is NOT subject to Chase's 5/24 rule

Recent better offer: 100K after $5K spend. (Last reported 7/2016)
Chase IHG® Rewards Club Select Credit Card Chase IHG® Rewards Club Select Credit Card
Earning rate: 5X IHG; 2X gas, grocery, and restaurants.

Noteworthy Perks:
-Annual free night e-certificate good at ANY IHG property;
-Automatic 10% point rebate;
-Platinum elite status.

See also: How to find the best IHG signup offer: 80K points plus $50
65K: 60K after $1K spend in 3 months + 5K for adding authorized user

Annual fee waived first year, then $49

Note: This card is believed to not be subject to Chase's 5/24 rule

Recent better offer: 85K + $50: 80K after $1K spend in 3 months + 5K for adding authorized user + $50 statement credit after first purchase

FM Mini Review: This card easily pays for itself with annual free night usuable at any IHG property worldwide.
Chase Ritz Carlton Rewards Visa Infinite Chase Ritz Carlton Rewards Visa Infinite
Earning rate: 2X airline, car rental, & restaurants. 5X Ritz & Marriott.

Big spend bonus: $10K spend per account year to keep Gold elite status; $75K spend per account year for Platinum elite status

Noteworthy Perks: 3 club level upgrades. Gold status, first year. $100 hotel credit for each 2 night or longer stay. Airport lounge access. $300 annual credit for airline incidentals. 10% annual points premium. $100 discount on multi-passenger ticket purchases.
2 Free Tier 1-4 night stays after $4K spend in first three months + 10K points for adding an authorized user.

$450 annual fee

Note: This card is believed to not be subject to Chase's 5/24 rule

Recent better offer: 3 Free Tier 1-4 nights after $5K spend in first three months + 10K points for adding an authorized user.

Please also see: How to find the best credit card offers AND support this site.

Jump to: Amex, BOA, Barclaycard, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells, Other

Chase Cards / Cash Back

Also see: Chase Ultimate Rewards Cards, Chase Airline Cards, Chase Hotel Cards

Card / NotesBonus / Annual Fee
AARP Credit Card from Chase AARP Credit Card from Chase
Earning rate: 3% restaurants and gas stations.
$200 after $500 spend in 3 months

No annual fee

Note: This card is believed to not be subject to Chase's 5/24 rule
Disney Visa Card Disney Visa Card

Noteworthy Perks:
-Character meet & greet at a private cardmember area
-10% off select merchandise purchases of $50 or more at Disney Store and DisneyStore.com
$200 after $500 spend in 90 days

No annual fee

This card is believed not to be subject to Chase's 5/24 rule.

FM Mini Review: This card only earns 1% back in the form of "Disney Dream Dollars" and the meet & greet is also available on the Disney debit card. However, the current signup bonus makes it worth a look.

Please also see: How to find the best credit card offers AND support this site.

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Citi Cards

Please also see: How to find the best credit card offers AND support this site.

Citi
App
Tips
To apply for a card within the same brand, must wait 24 months after opening or closing account Hard inquiries are NOT combined when approved same day Max 1 personal card per 8 days Max 2 personal cards per 65 days Max 1 business card per 95 days
Check application status here.
If denied, call reconsideration here:800-695-5171 (personal); 800-763-9795 (business)
If reconsideration # doesn’t work, try the Citi Credit Card Executive Office: 423-477-6858

Citi Cards / ThankYou Points

Also see: Citi Airline Cards, Citi Hotel Cards, Citi Cash Back Cards

Card / NotesBonus / Annual Fee
Citi ThankYou® Premier Card Citi ThankYou® Premier Card
Earning rate: 3X travel and gas; 2X dining and entertainment

Noteworthy Perks: With this card, ThankYou points become worth 1.25 cents each towards travel; or transfer points to airline partners
None

Annual fee waived first year, then $95

Recent better offer: 50K after $4K spend in 3 months

FM Mini Review: Very strong earnings for spend.
Citi Business ThankYou Card Citi Business ThankYou Card
Earning rate: 3X rotating quarterly categories

Noteworthy Perks: Anniversary bonus on base earnings each membership year. (1% in year 1, 2% in year 2 and 3% in year 3 and beyond.)
20K after $2K spend in 3 months

No annual fee

This card is available in-branch only and is not available online. The bonus may vary by region and can be as high as 40K.
AT&T Access Card AT&T Access Card
Earning rate:
-2 points per $1 on products and services that are purchased directly from AT&T
-2 points per $1 on all purchases at online retail and travel sites
-1 point per $1 on all other purchases
10K ThankYou Points after $1K Spend in 3 Months

No annual fee

FM Mini Review: Good choice for those who shop often online (thanks to 2X earnings). Or, better yet, start with this card and then product change to the AT&T Access More card.
Citi ThankYou® Prestige Card Citi ThankYou® Prestige Card
Earning rate: 3X airfare, hotels, and travel agencies; 2X dining and entertainment

Noteworthy Perks:
-$250 air travel credit (including airfare) per calendar year
-Free lounge access: Citi Properietary Lounges;, and Priority Pass Select with free guests
-3 hour trip delay insurance
-$100 Global Entry application fee credit
-Use points for 1.25 cents value for any flight or transfer to airline partners
-4th night free hotel benefit

NOTE: Reduce annual fee to $350 by signing up in-branch or by opening CitiGold Checking
None

$450 annual fee

Recent better offer: 75K after $7.5K spend in 3 months

FM Mini Review: This card is best for those who can take advantage of the 4th Night Free benefit and/or the best-in-class 3 hour trip delay insurance

Please also see: How to find the best credit card offers AND support this site.

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Citi Cards / Airlines

Also see: Citi ThankYou Cards, Citi Hotel Cards, Citi Cash Back Cards

Card / NotesBonus / Annual Fee
CitiBusiness AAdvantage Platinum Select World MasterCard CitiBusiness AAdvantage Platinum Select World MasterCard
Earning rate: 2X AA, 2X gas (as of 11/15/15)

Big spend bonus: Earn $99 plus taxes domestic companion certificate after $30K spend

Noteworthy Perks:
-First checked bag free
-Priority Boarding
-Reduced mileage awards
60K after $3K spend in 3 months

Annual fee waived first year, then $95
Citi® Platinum Select AAdvantage® World MasterCard Citi® Platinum Select AAdvantage® World MasterCard
Earning rate: 2X AA

Noteworthy Perks:
-First checked bag free
-Priority Boarding
-10% rebate on AA awards (up to 10K per year)
-Reduced mileage awards
60K after $3K spend in 3 months

Annual fee waived first year, then $95
Citi® AAdvantage® Gold MasterCard® Citi® AAdvantage® Gold MasterCard®

Noteworthy Perks: Reduced mileage awards
25K after $750 spend in 3 months

Annual fee waived first year, then $50
Citi AAdvantage® Executive World Elite MasterCard® Citi AAdvantage® Executive World Elite MasterCard®
Earning rate: 2X AA

Big spend bonus: 10K Elite Qualifying Miles towards elite status when you spend $40K in calendar year

Noteworthy Perks:
-First Checked Bag Free
-Admirals Club® access for both primary and authorized users.
-25% savings on eligible in-flight purchases on American Airlines and US Airways flights
-Up to $100 Global Entry or TSA PreCheck application fee credit
50K after $5K spend in 3 months

$450 annual fee

Recent better offer: 75K after $7.5K spend in 3 months

Please also see: How to find the best credit card offers AND support this site.

Jump to: Amex, BOA, Barclaycard, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells, Other

Citi Cards / Hotels

Also see: Citi ThankYou Cards, Citi Airline Cards, Citi Cash Back Cards

Card / NotesBonus / Annual Fee
Citi® Expedia+ Credit Card Citi® Expedia+ Credit Card
Earning rate: 3X Expedia purchases.

Big spend bonus: One elite night towards Gold status for each $2.5K in spend each year

Noteworthy Perks: Free Expedia+ Silver status
15K after $1K spend in 3 months

No annual fee
Citi® Expedia®+ Voyager Card Citi® Expedia®+ Voyager Card
Earning rate: 4X Expedia purchases.

Big spend bonus: 5K anniversary bonus with $10K annual spend.

Noteworthy Perks: $100 annual air travel fee credit.

Expedia+ Gold status
25K after $2K spend in 3 months

$95 annual fee

Please also see: How to find the best credit card offers AND support this site.

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Citi Cards / Cash Back

Also see: Citi ThankYou Cards, Citi Airline Cards, Citi Hotel Cards

Card / NotesBonus / Annual Fee
Costco Anywhere Business Visa Costco Anywhere Business Visa
Earning rate: 4% gas (up to $7K spend / year); 3% restaurant & travel; 2% Costco, 1% everywhere else


No annual fee

Requires Costco membership. Cash back provided annually with February billing statement as rewards coupon redeemable for cash or merchandise at Costco
Costco Anywhere Visa Costco Anywhere Visa
Earning rate: 4% gas (up to $7K spend / year); 3% restaurant & travel; 2% Costco, 1% everywhere else


No annual fee

Requires Costco membership. Cash back provided annually with February billing statement as rewards coupon redeemable for cash or merchandise at Costco
Citi® Double Cash Card Citi® Double Cash Card

Noteworthy Perks: 1% cash back when you make a purchase + 1% cash back when you pay for those purchases


No annual fee

FM Mini Review: For those who prefer cash back, it's hard to beat 2% cash back and no annual fee.

Please also see: How to find the best credit card offers AND support this site.

Jump to: Amex, BOA, Barclaycard, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells, Other

Discover

Please also see: How to find the best credit card offers AND support this site.

Discover
App
Tips
No known rules against getting same card & bonus again, but you must wait just over 12 months from previous app. You can have maximum of 2 Discover cards. 1st card must be open for a year before applying for second.
 Click here to check your application status
If denied, call reconsideration here: 888-676-3695
Card / NotesBonus / Annual Fee
Discover it® for Students Discover it® for Students
Earning rate: 5X in rotating categories, up to $1500 spend per quarter

Noteworthy Perks: Discover Cash Back is worth more than face value when redeemed for partner gift cards
Get $50 after first purchase. All cashback earned in first 12 months will be doubled including 5% earned in rotating categories. Plus, get $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.

No annual fee
Discover it® Discover it®
Earning rate: 5X in rotating categories, up to $1500 spend per quarter

Noteworthy Perks: Discover Cash Back is worth more than face value when redeemed for partner gift cards
Get $50 after first purchase. All cashback earned in first 12 months will be doubled including 5% earned in rotating categories.

No annual fee
Discover it® Miles - Double Miles your first year Discover it® Miles - Double Miles your first year
Earning rate: 1.5 miles per dollar for all spend.

Noteworthy Perks:
-No foreign transaction fees
-Free in-flight wifi (up to $30 per year)
-Redeem miles for travel or for cash back (1 cent per mile either way)

See also: Discover introduces a new card and a potentially VERY lucrative 1st year offer
Get $50 after first purchase. All miles earned in first 12 months will be doubled. This makes this a 3% cash back card for the first year.

No annual fee

Please also see: How to find the best credit card offers AND support this site.

Jump to: Amex, BOA, Barclaycard, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells, Other

TD Bank

TD App
Tips
Call (888) 561-8861 to check your application status
Card / NotesBonus / Annual Fee
TD Aeroplan™ Visa® Credit Card TD Aeroplan™ Visa® Credit Card
Earning rate: 2X Aeroplan miles per dollar spent on Air Canada purchases.
25K after $1K spend in 3 months

Annual fee waived first year, then $95
TD Business Solutions Visa TD Business Solutions Visa
Earning rate: 3% phone, internet and cable services; 2% dining and gas stations
$300 after $3K spend in 90 days

No annual fee

Offer Expires: 3/5/18

Recent better offer: None
TD First Class Visa Signature® Card TD First Class Visa Signature® Card
Earning rate: 3X travel & dining
25K: 15K after first purchase + 10K after $3K spend in first 6 billing cycles.

Annual fee waived first year, then $89
TD Cash Visa Credit Card TD Cash Visa Credit Card
Earning rate: 3% dining; 2% grocery stores
$200 after $500 spend in 90 days.

No annual fee

Offer Expires: 3/5/18

Recent better offer: None

Jump to: Amex, BOA, Barclaycard, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells, Other

US Bank Cards

USB
App
Tips
Consider freezing 2 credit bureaus before applying
(or maybe not!)
No known rules against getting same card & bonus again Hard inquiries may be combined into 1 when approved same day
Call (800) 947-1444 to check your application status.
If denied, call reconsideration here: 800-947-1444 or 800-685-7680
Card / NotesBonus / Annual Fee
U.S. Bank Altitude Reserve Visa Infinite Card U.S. Bank Altitude Reserve Visa Infinite Card
You must be an existing US Bank customer to apply online.

Earning rate: 3X travel and mobile wallet payments

Noteworthy Perks:
-$325 in travel credits per membership year
-Points worth 1.5 cents each towards travel
-Priority Pass Select airport lounge access (4 per year)
-12 free Gogo Wifi passes per year
-Primary car rental coverage
-No foreign transaction fees

See also: US Bank Altitude Reserve Complete Guide
50K after $4.5K spend in 90 days

$400 annual fee
U.S. Bank FlexPerks® Travel Rewards Visa Signature® card U.S. Bank FlexPerks® Travel Rewards Visa Signature® card
Apply between 2/5/18 and 3/10/18 for this offer.

Earning rate: 2X charity and then 2X in one of the following: cell phone providers, gas, grocery, or airline purchases (whichever category you spend most on each month).

Big spend bonus: 3,500 bonus points with $24K spend per cardmember year

Noteworthy Perks: 12 free Gogo in-flight internet passes each year! $25 airline fee credit when points are redeemed for flights
25K after $2K spend in 4 months plus bonuses based on Team USA Winter Olympics 2018 medal count as follows:
Each Gold Medal = 500 points
Each Silver Medal = 250 points
Each Bronze Medal = 125 points


Annual fee waived first year, then $49

Offer Expires: 3/10/18

FM Mini Review: This can be a good choice for a signup bonus, but other cards are more rewarding for spend. Card may be worth keeping for the Gogo in-flight internet passes.
U.S. Bank FlexPerks® Gold American Express® card U.S. Bank FlexPerks® Gold American Express® card
Earning rate: 3X restaurants; 2X gas stations and airlines

Noteworthy Perks:
-$25 airline fee credit when points are redeemed for flights
-One time TSA PreCheck or Global Entry fee credit

See also: US Bank FlexPerks Gold Amex: The best new option for dining, but is it worth it?
30K after $2K spend in 4 months

$85 annual fee
Korean Air SKYPASS Business Visa issued by US Bank Korean Air SKYPASS Business Visa issued by US Bank
You may be able to earn 5K miles by referring a friend. Simply put the referring member's SkyPass number on the application in the applicable box

Earning rate: 2X Korean Air

Noteworthy Perks:
-2 Korean Air VIP Lounge coupons each year
-2,000 bonus points upon renewal
-No foreign transcation fees
25K: 15K after first purchase, 10K after $2K spend in first 3 months

$75 annual fee

Recent better offer: 45K after $3K spend targeted (last reported 3/1/2016)

30K: 15K after first purchase + 15K after $2k spend in 90 days
Korean Air SKYPASS Visa issued by US Bank Korean Air SKYPASS Visa issued by US Bank
You may be able to earn 5K miles by referring a friend. Simply put the referring member's SkyPass number on the application in the applicable box

Earning rate: 2X Korean Air

Noteworthy Perks:
-2 Korean Air VIP Lounge coupons each year
-2,000 bonus points upon renewal
-No foreign transcation fees
25K: 15K after first purchase, 10K after $2K spend in first 3 months

$80 annual fee

Recent better offer: 40K after $2.5K spend targeted (last reported 2/26/2016)

30K: 15K after first purchase + 15K after $2k spend in 90 days
U.S. Bank FlexPerks® Business Edge Travel Rewards Visa® Card U.S. Bank FlexPerks® Business Edge Travel Rewards Visa® Card
Earning rate: 2X cell phone; 2X charity. 2X gas, office supply, or airline purchases (whichever is most each month).

Big spend bonus: $55 credit with $24K spend per cardmember year

Noteworthy Perks: $25 airline fee credit when points are redeemed for flights
20K after $2K spend in 4 months.

Note: Employee card spend does not count towards meeting minimum spend


Annual fee waived first year, then $55

FM Mini Review: This can be a good choice for a signup bonus, but other cards are more rewarding for spend.
Club Carlson Business Rewards Visa issued by US Bank Club Carlson Business Rewards Visa issued by US Bank
Earning rate: 10X at CC hotels, 5X elsewhere.

Big spend bonus: Free night at any US property after $10K annual spend

Noteworthy Perks:
-Automatic Gold status.
-40K bonus per year.

See also: Club Carlson rocks our world... Again
85K: 50K after first purchase + 35K after $2.5K spend in 3 months

$60 annual fee

FM Mini Review: With the elimination of Bonus Award Nights, this card is still good, but it is no longer an amazing "must have".
Club Carlson Premier Rewards Visa Signature issued by US Bank Club Carlson Premier Rewards Visa Signature issued by US Bank
Earning rate: 10X at CC hotels. 5X elsewhere.

Big spend bonus: Free night at any US property after $10K annual spend

Noteworthy Perks:
-Automatic Gold status.
-40K bonus per year.

See also: Club Carlson rocks our world... Again
85K: 50K after first purchase + 35K after $2.5K spend in 3 months

$75 annual fee

FM Mini Review: With the elimination of Bonus Award Nights, this card is still good, but it is no longer an amazing "must have".
Club Carlson Rewards Visa Signature issued by US Bank Club Carlson Rewards Visa Signature issued by US Bank
Earning rate: 6X at CC hotels. 3X elsewhere

Big spend bonus: Free night at any US property after $10K annual spend

Noteworthy Perks:
-Automatic Silver status.
-25K bonus per year.

See also: Club Carlson rocks our world... Again
60K after $1.5K spend in 3 months

$50 annual fee

FM Mini Review: With the elimination of Bonus Award Nights, this card is still good, but it is no longer an amazing "must have".
LATAM Visa Signature issued by US Bank LATAM Visa Signature issued by US Bank
Earning rate: 2X on spending with LAN & TAM

Noteworthy Perks:
- 4,000 Bonus Miles (6,437 kms) every year at renewal.
-25% flight bonus when flying on LAN.
-3 upgrade coupons each year on LAN.
-20% off (up to $1,000) your first LATAM Airlines purchase one time per year
20K miles after first use.

Annual fee waived first year, then $75

US Bank may also approve you for their non-Signature Visa which comes with a 15K bonus and lesser benefits.

Jump to: Amex, BOA, Barclaycard, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells, Other

Wells Fargo

Please also see: How to find the best credit card offers AND support this site.

Wells Fargo
App
Tips
Must have existing banking relationship before getting approved for most cards Limit one signup bonus per 16 months Hard inquiries are combined when approved same day
Check application status here.
If denied, call reconsideration here: 1-866-412-5956
Card / NotesBonus / Annual Fee
Wells Fargo Rewards Visa® card Wells Fargo Rewards Visa® card
Earning rate: 5X gas, grocery, drugstore for 6 months
20K for $1K spend in 3 months + 5% rewards points on up to $12,500 in gas, grocery, and drugstore purchases for 6 months.

No annual fee

You may be able to get a 10K sign-up bonus if you are targeted or by applying in-branch.
Wells Fargo Visa Signature Card Wells Fargo Visa Signature Card
Earning rate: 5X gas, grocery, drugstore for 6 months

Big spend bonus: With $50K spend, points become worth 1.75 cents each towards airfare

Noteworthy Perks:
-Points worth 1.5 cents each towards airfare
-Points worth 1 cent each for most other redemption

See also: A card I wrongly ignored
20K for $1K spend in 3 months + 5X points on up to $12,500 in gas, grocery, and drugstore purchases for 6 months.

No annual fee
Wells Fargo Propel World American Express® Card Wells Fargo Propel World American Express® Card
This offer has only been availabe in-branch, but DoC reports that it is possible to apply via phone. Click here to read more and check the comments for recent reports.

Earning rate: 3X airlines; 2X hotels

Noteworthy Perks: $100 airline fee credit
40K after $3K spend in 3 months

Annual fee waived first year, then $175

This offer link requires a Wells Fargo login. If you don't have one you may be able to apply in-branch or via the phone.
Wells Fargo Business Platinum Visa® card Wells Fargo Business Platinum Visa® card
Earning rate: 1.5% cash back everywhere if you choose the cash back program (note that you must opt in to the cash back program at account opening to get the signup bonus and 1.5% everywhere. If you choose points, this card earns 1x everywhere and a bonus 1,000 points in any statement period that you spend $1,000 or more.
$500 after $5K spend in the first 3 months OR no signup bonus if you choose to earn points instead of cash back

No annual fee

FM Mini Review: You must have a Wells Fargo checking or savings account that has been open for at least 12 months in order to apply online

Please also see: How to find the best credit card offers AND support this site.

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Other Banks and Offers

Please also see: How to find the best credit card offers AND support this site.

Card / NotesBonus / Annual Fee
CNB Crystal Visa Infinite Credit Card CNB Crystal Visa Infinite Credit Card
There appears to be an in-branch offer on this card for 50,000 bonus points after $5,000 in spend in the first 90 days. See this post for more detail.

Earning rate: 3X gas, grocery, airline, hotel, taxi, limousine, rental car, train bus, restaurant, fast food and takeout food and dining purchases; 1X everywhere else

Noteworthy Perks:
-Up to $250 a year in statement credits for airline incidental fees;
-$100 Global Entry fee reimbursement.
-Priority Pass lounge membership for 2 cardholders. (Includes unlimited guests.)
50K after $5K spend in 3 months.

$400 annual fee

This offer is only available if you apply in branch. Branches are located in NY, DE, TN, GA, NV & CA. Full list of locations.

Recent better offer: 70K after $5K spend in 3 months
Avianca Vuela Visa Card Avianca Vuela Visa Card
Earning rate:
- 3X Avianca
- 2X gas & grocery
- Free bag for travel between US & South America

Big spend bonus:
- 50% off one award ticket to Colombia or Central America after $12K spend.
- 50% off a 2nd award ticket to Colombia or Central America after $24K spend.

Noteworthy Perks: 15% discount on the purchase of miles
40K after first purchase

$149 annual fee

Recent better offer: 60K with promo code AVSPWE, but the promo code box appears to have disappeared from the application.
BB&T Spectrum Rewards BB&T Spectrum Rewards
Earning rate: 3% cash back on all net qualified purchases for the first 90 days, then 1%

Big spend bonus: Earn a 30% bonus on cash earned when spending $50K or more annually

Noteworthy Perks: 5% anniversary bonus each year

Offer restricted to residents of Alabama, Florida, Georgia, Indiana, Kentucky, Maryland, New Jersey, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, West Virginia, and DC.

See also: The Spectrum Rewards. Offer- What is it worth?
$1350 after $50K spend in 3 months

(Get 3% cash back in first 3 months, plus 5% year end bonus + 30% big spend bonus = $2025. Consider $1350 of that to be signup bonus.)


No annual fee
Cathay Pacific Visa Signature card Cathay Pacific Visa Signature card
Earning rate: 2X Cathay Pacific, 1.5X dining, 1.5X purchases outside of the US, 1X everywhere else

Noteworthy Perks: Complimentary green tier membership in the Marco Polo Club for first year of card membership

See also: Best Use of Asia Miles (Cathay) by Travel is Free
35K after $2,500 spend in 90 days

Annual fee waived first year, then $95

Recent better offer: 50K after $2,500 spend in 90 days

FM Mini Review: OK option if you have definite plans to use the miles. Miles expire after 3 years even with account activity. Would consider keeping long term ONLY if you spend a lot of money outside of the US
PenFed Pathfinder Rewards American Express Card PenFed Pathfinder Rewards American Express Card
Earning rate:
-3X or 4X Travel
-1.5X everywhere else

4X travel for Access America
Checking account holders and military members

Noteworthy Perks: -$100 Travel Credit (To be used towards baggage fees, lounge access, onboard food & drink, etc.)
-$100 Global Entry credit
-Amex Offers

See also: PenFed Pathfinder Rewards American Express Card Complete Guide
25K after $2.5K spend in first 90 days

No annual fee

FM Mini Review: A $100 annual travel credit is terrific for a card with no annual fee.
Best Western Rewards Premium MasterCard issued by First Bankcard Best Western Rewards Premium MasterCard issued by First Bankcard
Earning rate: 10X at Best Western properties; 1X elsewhere

Big spend bonus: 20K bonus points when you spend at least $5,000 during each 12 billing cycle period

Noteworthy Perks:
-10% off Flexible Rate Stays
-Platinum Elite Status (get a free welcome snack)
50K after $1K spend in 3 billing cycles

Annual fee waived first year, then $59
Avianca Vida Visa Card Avianca Vida Visa Card
Earning rate: 2X Avianca

Noteworthy Perks: 15% discount on the purchase of miles
20K after first purchase

$59 annual fee
BBVA Compass Select BBVA Compass Select
Earning rate: Choose one category (e.g. Airlines) to earn 3x points; Choose 2 categories (e.g. Dining & Hotels) to earn 2x points; Earn 1 point per $1 on all other purchases

Big spend bonus: $100 Orbitz Travel Card after $20,000 spend; Earn 1,000 bonus points each month in which you spend $5,000 or more.

Noteworthy Perks: Hertz Gold Plus Membership
20K after $2K spend in 90 days

Annual fee waived first year, then $125
Fidelity Rewards Visa Fidelity Rewards Visa
Earning rate: 2X everywhere

Noteworthy Perks: This card earns 2% cash back on all purchases!
$100 after $1K spend in 3 months.

No annual fee
Marvel MasterCard from Synchrony Marvel MasterCard from Synchrony
Earning rate: 3% cash back for dining, select entertainment, and Marvel purchases
Select entertainment = Movie Theatres, Video Rental and Game Stores, Theatrical and Concert Promoters, Amusement Parks, Digital Entertainment, Games and Software, Music, Books and Newsstands, Toys and Hobby Stores.

Noteworthy Perks: 10% off and other discounts at Marvel.com
$25 after first purchase

No annual fee

Recent better offer: None

FM Mini Review: Good option if used only in 3% categories (e.g. dining and entertainment)
Ebates Cash Back Visa issued by Synchrony Bank Ebates Cash Back Visa issued by Synchrony Bank
Earning rate: 3% cash back on qualified purchases made through the Ebates portal. 1% cash back everywhere else.
$10 after first purchase

No annual fee
Alliant Cashback Visa Signature Card Alliant Cashback Visa Signature Card
Earning rate: 2.5% cash back everywhere

Noteworthy Perks: No foreign transaction fees
Earn 3% cash back first year, then 2.5% thereafter


Annual fee waived first year, then $59

Join Alliant by donating at least $10 to Foster Care to Success

FM Mini Review: Great cash back card for everyday spend. Lack of foreign transaction fees makes this card a winner.

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Comments

  1. I received a targeted email about a Suntrust Platinum Elite credit card with a $500 bonus. Do you have any information/reviews about this card? I can forward the email to you if needed (just let me know how). Thanks!

    • This card looks like it is pretty geographically limited and I wasn’t aware of it. I will take a look at it and get back to you with some more information. You can always email either of us at Greg or Nick at Frequent Miler dot net.

  2. Hi,
    Over the years I have pretty much exhausted every once-in-a-lifetime Amex sign-up opportunity there is for both personal and business cards (although my “business” was being a sole proprietor) and am well above 5/24 for Chase.

    Now I joined a real legit business that is not a sole proprietorship; if I use its Tax ID (with my own SSN of course)– would this give me a realistic shot at apply for some Chase cards (despite being well over 5/24) or nabbing some Amex business card sign-up bonuses?

    • No, that will not help in either case. However, there are occasionally targeted Amex and Citi offers that do not include once-in-a-lifetime language / 24 month language — so keep your eye out for those. I never throw away the mail without looking at it. If you’re well over 5/24, the only possibility with Chase for a business card would be a relationship with a BRM (business relationship manager) — which isn’t definite, but is reported to be a possible way to get an Ink card approved via a paper application in-branch that goes through a different system.

  3. Do the Airline Miles or the Hotel Points that are granted after the dollar limit spend Expire? If so usually after long? I need to know asap as I have a large purchase coming up and am trying to decide between airline miles and hotel points after a $3K Spend. Point/Miles expiration is important because it may be a year before I can take an international trip.

    • With most programs, points only expire if there is no account activity at all in over 18 months or more (the length of time depends upon the program). If you have a credit card that earns those points, then it is obviously very easy to keep the account active.

      If you cancel a card, you won’t lose airline or hotel points since those are kept with the airline or hotel program. But if you earned bank-specific points you should keep the credit card open until you’ve redeemed the points. Often you can downgrade to a no-fee card in order to keep bank points alive indefinitely.

  4. Looks like Marriott Premier link is now redirecting to 80K + 7.5K AU / $3000 spend, guess the 100K expired recently

    • You do need to do something that you consider a business. It could be anything like: consulting work, selling stuff on ebay, writing a blog, etc. If you use your own name as the business name and your own social security number as the business tax id then you don’t have to do anything formal to establish your business. Simply declaring it a business is good enough.

  5. I got the starwood card but missed the spending amount and never receiced the sign up bonus. Can i still qualify to get the bonus points if i close it and re open it later?

  6. I recently got the surpass card and today received a priority pass membership. Seems like a basic membership? Says i have to pay $27 per visit. I didn’t read about this benefit anywhere, does pp normally come with the surpass?

    • Yes, it does…though at $27 per visit, it’s not much of a deal. Honestly, you’d be hard pressed to eat and drink $27 worth in most locations unless you have a very long layover. There are some exceptions, but I wouldn’t usually recommend using the Priority Pass that comes with the Surpass card (especially not if you have a PP from the CSR, Prestige, or Platinum cards).

  7. Can I get a new Citi Business AAdvantage card for business Y (and, of course, the bonus) if I have a similar card for business X?

    Is it better to close the card for Business X first? Is there the same 24 month wait for a separate business?

  8. The Citi Platinum Select AAdvantage World MasterCard does NOT have a Group 1 boarding perk as stated in your “best of the best” description . American Airlines will board passengers with priority seating first (groups 1 – 4), then those with the Platinum Select AAdvantage card will qualify for group 5 boarding, which is still better than boarding in groups 6 – 9.

  9. If I apply for the Southwest Rapid Rewards Plus/Premier and spend the 2k per card would I be able to merge the points and get he companion pass? If so when would be the best time to apply to maximize the companion pass?

    • Yes, as long as you add the same Southwest Rapid Rewards number to both applications (and you should), all points will go to the one account. The best way to maximize this is to sign up in November or December then don’t spend anything on the cards until after the December statement closes. Then spend $10K total across both cards as fast as you can. That way, when the January statement closes, you’ll earn 110,000 points in January 2018 and you’ll have the companion pass for the rest of 2018 and all of 2019.

      Keep in mind, though, that there is no guarantee that the 50K offers will be available at that time (but they usually are)

      • I have the companion pass through the end of this year- earned through getting the business and Rapid Rewards Premier cards in 2016. I’ve since closed the business card but kept the personal account open and am now anticipating how to earn the pass again in early 2018. Do I need to close the personal account in order to apply and be approved for another personal card?

        • Yes, if you apply for the same personal card you’ll have to close the one you have first. For example, if you have the Plus card and want to get a new Plus card, then cancel the old one first. But if you now want to get a Premier card, you’re good to go regardless of whether you cancel the Plus.

          If you do get the same kind as before, make sure it has been 24 months since you received the signup bonus

  10. YMMV – Got Marvel offer – Got $25 for 1 purchase and an additional $75 for making purchases of $500 in 90 days = $100 for spending $500 in 90 days. Update for being the best offer out there.

  11. Thanks for all the tips! Do you know if you need to be a client of Ameriprise Financial to get the Plat card? We can’t get the Ink or Prestige and we have already had the other Platinum card, so I thought this would be good since we have a few cruises planned and need the insurance.

    • We try to list the public offers available to everyone, so incognito offers aren’t listed. That said, if we know about them we’ll usually add a note stating something like “a better targeted offer may be available”

  12. Greg,

    The 30K Skypass offer seems to be dead, it now only mentions 15K after first purchase, but no mention of the additional 15K after $2K spend.

    J

  13. A couple of interesting US Bank cards you aren’t currently listing:

    FlexPerk Select – 10K points and no annual fee:
    https://www.usbank.com/credit-cards/flexperks-select-plus-american-express-card.html

    AeroMexico cards (signature and non signature versions) – these are particularly interesting for families as they offer fourth-ticket-free benefits:
    https://www.usbank.com/credit-cards/aeromexico-visa-signature-credit-card.html
    https://www.usbank.com/credit-cards/aeromexico-visa-credit-card.html

    J

  14. The Merrill+ card has been ineligible for new applications since after 9/18, so it should be removed from this page. The links to the US Bank Korean SkyPass cards (personal & business) are now only offering 15,000 miles after 1st purchase.

    • Thanks, Tom. Removed the Merrill+ card.

      Have you seen a working link to a Skypass business card with 15K after first purchase? I’m only finding 10K after first purchase on the business version (I see 15K offer on the personal card).

  15. This is a super useful list Nick! Thank you for compiling and maintaining it.

    I’m in need of a Business card, so as not to add to my 5/24 count. I’m not sure I know which cards are biz and which are personal. Can I correctly assume that card names that don’t include the word “Business” are personal?

  16. My AMEX Platinum anniversary date is in early December. I want to cancel the card to avoid the $550 annual fee, but does anyone know if I wait to cancel until mid-January (to take advantage of the $200 airline credit) if they will refund me a prorated amount of the fee?

  17. When you say $100 Global Entry reimbursement, will that cover just TSA-Pre instead? I have a relative who wants TSA-Pre and it would probably be quicker to get than Global Entry.

  18. Just received an offer from Delta for the AMEX for Delta Platinum for 70,000 miles or the Delta Gold 50,000/60,000 WITHOUT the one-time bonus language. Apply by Nov 8th. A whole lot of language about misuse, etc. but nothing about having had the bonus before. The Gold look much better, no annual fee for 1st year and 60K miles for $3K spend compared to 70K miles for same spend but $195 annual fee – perhaps worth it for those who want the medallion miles.

    Anyone else got this?

      • On Monday I got a new Business AMEX Business credit card card.

        Then I got the email for either a Platinum Delta or a Gold Delta – with no language about having had the card before (I have had the Gold many times, the last one cancelled just 4 months ago. Waited 5 days and applied for Gold – approved. Now I am waiting another 5 days and am thinking of applying for the Platinum (has an annual fee).

        Greg, will this break the rule about only 2 credit cards in 60 days, even though one was a Business card?

        Incidentally, there was a ton of language about “misuse” of the cards and how they could take back everything you ever owned and your grandchildren too if you do anything they don’t like..

        • Yeah, I don’t think you can get both the Platinum Delta card so soon. But if the offer you received is good for more than 60 days I guess you can wait it out? On the other hand, there is literally no harm in trying. Amex won’t issue a hard pull if they reject your application.

          And yes, Amex is cracking down hard on misuse and gaming. If there’s a particular grandchild you don’t like, I bet they’d let you pick which one they take.

        • Thanks, Greg, I guess I’ll try as it was a targeted offer – but I do want to try for the Platinum personal in mid December too.

  19. I pay $10,000 per month linking Plastiq bill pay with my American Express card. Today, casually, Plastiq notified me that two recurring charges will have to be “updated” because Plastiq is not using American Express now.

    Wow. 90% of my bills are now in turmoil.

    Is there an alternative to Plastiq which has a bill pay relationship with AMEX?

    • Wow, I haven’t received that notification yet — and I pay my rent on 2 commercial properties via Amex Biz Blue for a similar amount (4500+6500 each month).
      They once had me verify the 6500 payment (lease + invoice), but it’s been smooth sailing since.
      Hope this isn’t coming my way.

  20. I currently have an open IHG mastercard for which I received the sign up bonus about 3 years ago. I have kept it open for the annual anniversary night. Can I sign up for a new card and get the sign up bonus, or do I need to close the account first? If so, does it have to be closed for a certain time, before I am eligible for another sign up bonus? Thanks.

    • You need to close it first. Conventional wisdom is to wait 14 days before reapplying. Some people have done it sooner without a problem, others have had an old account reopened (and thus no bonus). I’d wait at least the 2 full weeks.

  21. I sent an email to you attaching it to the close AmEx Delta Gold card now expired about the new Delta 75k SkyMile points with no “Previously held Delta” cards; thought you might miss my comment since the 50k offer now ended so the thread is dead.

  22. Why aren’t you updating the publicly available Korean SKYPASS personal card offer to show 25,000 miles, as I reported back on 11/5?

    • Thanks — saw this earlier, but the GoGo WiFi on my flight kept going out. Just got home from FTU a little while ago and was sitting down to make some updates. Thanks again!

  23. Updated to a working link for the Prestige, but there is no longer a signup bonus.

    Delta Reserve Business standard offer now only includes 10K MQMs + 10K bonus miles, so I’ve updated the bonus information. Some people are still targeted for a better offer.

  24. Saw this on my Choice account (they added a $25 credit):

    CHOICE PRIVILEGES® VISA SIGNATURE® CARD
    Receive a $25 Statement Credit after your first purchase.
    Earn 32,000 Points after you spend $1,000 within the first 90 days1Earn 8,000 Anniversary Bonus Points every year you spend $10,000 in purchases by your account anniversary date1No Annual Fee1Earn Double points on every purchase2Automatic Elite Gold Status2
    See Offer Details and Terms and Conditions for additional information about the program benefits and account terms

  25. Chase IHG 80k bonus has expired, fallen back to 60k now.
    You should update that Flexperks now only earning 2x on charitable, not the old 3x

  26. Thinking of getting onboard with the Chase Trifecta, can you guys let me know in what order I should apply for the cards? I’m thinking Chase Freedom, Freedom Unlimited and either Reseve or Preffered.. Most of out spending would be on food.

    • The order doesn’t particularly matter unless you know that you’ll have a lot of purchases at a certain time that get bonuses with one card or the other. If you have someone who doesn’t mind becoming an authorized user, then the Preferred is slightly better than the Reserve since you can get 5K bonus points for adding an authorized user plus the first year is free. You should then be able to upgrade to the Reserve after you’ve earned the signup bonus, if you want its features.

  27. Added 30K Citi Premier offer.
    Updated Marriott Biz offer to 75K and no annual fee first year.
    Updated Marriott Premier offer to link to page with 3 separate offers to choose from.
    Updated Virgin Atlantic White card with annual fee.

  28. Link for AAdvantage Aviator Red World Elite is showing reduced bonus of 50K. If anyone has a working link to 60K, please post. Thank you.

    • Thanks for pointing that out. I’ve updated it to reflect the 50K offer as I’ve been unable to find a working 60K link. I’ll keep an eye out and update if one pops up.

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