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, Chase, Citibank, and US Bank.

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 Card Category BonusesBest 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
Top Points Cards
Ink Biz Preferred 80K
Sapphire Preferred 55K
Biz Platinum 75K
Biz Gold Rewards 50K
Prestige 40K
Top Airline Offers
Southwest Biz 60K
United 50K
Citi AA 50K
Alaska 30K + $100
Top Hotel Offers
Hilton 100K + Night
Marriott 80K
Hyatt 2 Nights
Hilton 2 Nights
Top Misc Offers
Spark 50K
Venture 40K
Arrival+ 50K
Merill+ 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 Max 1 credit card approval per 5 days and 2 in 90 days, but no known limit for charge cards You can have max 5 (sometimes 4) Amex credit cards, but no known limit for charge cards
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 Enhanced Business Platinum® Card from American Express The Enhanced Business Platinum® Card from American Express
Earning rate: 5X flights and prepaid hotels at Amex Travel; 1.5X points per dollar on purchases of $5000 or more; 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
-50% Pay with Points rebate for selected airline, and for business or first class with any airline

Terms & Conditions Apply. See Rates & Fees

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

$450 annual fee

Recent better offer: 150K after $20K Spend (Targeted)

FM Mini Review: The Business Platiinum card offers better benefits than other Amex Platinum cards thanks to the 50% Pay with Points rebate and Gogo In-Flight Wifi
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 and limitations 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
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:
-Airport lounge access
-$200 airline credit
-$100 Global Entry fee reimbursement
-$200 Uber credit annually ($15/month, $35 in Dec
-Free Boingo wi-fi
-Free Gold card AUs
-Hotel & Rental car elite status
-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.

Terms & Restrictions Apply. See Rates & Fees

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

$550 annual fee

Card is only available to clients that maintain an eligible Schwab brokerage account.

Recent better offer: None.
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 airline.;
-$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 Morgan Stanley The Platinum Card® from American Express Exclusively for Morgan Stanley
Earning rate: 5X points for flights booked directly with airlines or with American Express Travel. 5X prepaid hotels booked with American Express Travel

Noteworthy Perks:
-1 Free Platinum card authorized user
-Airport lounge access
-$200 airline credit
-$200 annual Uber credit ($15/month, $35 in Dec)
-$100 Global Entry fee reimbursement
-Free Boingo wi-fi
-Hotel & Rental car elite status
-Free Gold card AUs

Terms & Restrictions Apply. See Rates & Fees

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

$550 annual fee

Note: According to Amex: Clients must have an eligible Morgan Stanley brokerage account to apply.

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 Exclusively for Mercedes-Benz The Platinum Card® from American Express Exclusively for Mercedes-Benz
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

Noteworthy Perks:
-Up to $200 a year in statement credits for airline incidental fees;
-$200 Uber credit annually ($15/month, $35 in Dec)
-$100 Global Entry fee reimbursement.
-Airport lounge benefits.
-Rental car elite status.
-SPG Gold status.
-Hilton Gold status
-Free Boingo wifi.
-Free Gold card AUs

Terms & Restrictions 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: 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 and limitations 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 Blue for Business® Credit Card from American Express The Blue for Business® Credit Card from American Express

Noteworthy Perks:
-30% annual relationship bonus

-Terms apply. See Rates & Fees

Note: Points earned with this card are not transferable to airline miles unless you also have a premium Membership Rewards card.
25K: 10K after first purchase plus 15K after $5K spend in 6 months

No annual fee

Recent better offer: Expired 2/22/17 -- 10K points after first purchase + 10X points at U.S. restaurants the first six months (up to $2K in spend) + 2X on all purchases the first year (up to $50K in spend)
The Gold Card from American Express <br />
for Ameriprise Financial The Gold Card from American Express
for Ameriprise Financial

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

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
Platinum Card® from American Express for Ameriprise Financial Platinum Card® from American Express for Ameriprise Financial
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

Noteworthy Perks:
-Up to $200 a year in statement credits for airline incidental fees;
-$200 Uber credit annually ($15/month, $35 in Dec)
-$100 Global Entry fee reimbursement.
-Airport lounge benefits.
-Rental car elite status.
-SPG Gold status.
-Hilton Gold status
-Free Boingo wifi.
-Free Gold card AUs

Terms & Restrictions Apply. See Rates & Fees
Add up to 3 authorized cardholders for free first year, then $175 (total) per year.

Annual fee waived first year, then $550

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 Morgan Stanley Credit Card from American Express The Morgan Stanley Credit Card from American Express
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: According to Amex: Clients must have an eligible Morgan Stanley brokerage account to apply.

Recent better offer: None.
The Amex EveryDay® Credit Card from American Express The Amex EveryDay® Credit Card from American Express
Click here for more details about how to possibly get a better offer

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

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

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 Amex EveryDay® Preferred Credit Card from American Express The Amex EveryDay® Preferred Credit Card from American Express
Click here for more details about how to possibly get a better offer

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
15K after $1K spend in 3 months

$95 annual fee

Recent better offer: 2/11/16: 30K after $2K spend (targeted via CardMatch Tool)

FM Mini Review: Thanks to the 50% bonus on points earned, this is, in my opinion, one of the strongest mile-earning cards available.

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
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 Restrictions Apply. See Rates & Fees

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

$195 annual fee

Recent better offer: 70K + 10K MQM + $100 (Last reported 11/2016)

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

Noteworthy Perks: Priority boarding, and free checked bags.

Terms & Restrictions Apply. See Rates & Fees

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

Annual fee waived first year, then $95

Recent better offer: 60K + $50 statement credit after $1K spend. Targeted. (last reported 12/9/15)

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 DeltaSkyMiles® Credit Card from American Express Gold DeltaSkyMiles® Credit Card from American Express
Earning rate: 2X Delta

Noteworthy Perks: Priority boarding, and free checked bags.

Terms & Restrictions Apply. See Rates & Fees

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

Annual fee waived first year, then $95

You may be able to get a 50K + $100 statement credit when booking a ticket on the Delta website.

Recent better offer: 60K + $50 statement credit after $1K spend. Targeted. (last reported 3/7/16)

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
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 + 10K MQMs after first purchase

$450 annual fee

Recent better offer: None. It is rare to see improved offers for the Reserve card

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.
Delta Reserve Business Credit Card from American Express Delta Reserve Business Credit Card from American Express
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 + 10K MQMs after first purchase

$450 annual fee

Recent better offer: None. It is rare to see improved offers for the Reserve card

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™ Surpass® Card from American Express Hilton Honors™ Surpass® Card from American Express
Earning rate:
-12X Hilton spend;
-6X U.S. restaurants, grocery, and gas stations;
-3X everywhere else

Big spend bonus: Diamond elite status with $40K calendar year spend

Noteworthy Perks: Free Gold status. Diamond status w/ $40K spend.

Terms Apply. See Rates & Fees
100K after $3K spend in 3 months + one free weekend night after first anniversary

$75 annual fee

Offer Expires: 5/31/17

Recent better offer: None. This is the best public offer we've ever seen.
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
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 3 months.

Annual fee waived first year, then $95

Terms Apply. See Rates & Fees

Recent better offer: 35K after $8K spend expired 4/5/2017

FM Mini Review: Extremely valuable points, but difficult to earn in large quantities except through signup bonus
Hilton Honors™ Card from American Express Hilton Honors™ Card from American Express
Earning rate:
-7X Hilton spend;
-5X U.S. restaurants, grocery, and 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
80K after $2K spend in 3 months

No annual fee

Offer Expires: 5/31/17

Recent better offer: None

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
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, within the first 3 months of Card Membership.

Annual fee waived first year, then $250
Blue Cash Everyday® Card from American Express Blue Cash Everyday® Card from American Express
Click here for details about how to possibly get a better offer

Earning rate: 3% US supermarkets up to $6,000 per year in purchases, 2% US gas stations, 1% other purchases.

Terms apply. See Rates & Fees
Up to $300, Limited Time Offer (Apply by 5/3/17): Earn 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.

No annual fee

Offer Expires: 5/3/2017

Recent better offer: $250 after $1K spend targeted (last reported 10/2015)
Blue Cash Preferred® Card from American Express Blue Cash Preferred® Card from American Express
Click here for details about how to possibly get a better offer

Earning rate: 6% US supermarkets up to $6,000 per year in purchases, 3% US gas stations and select US department stores, 1% other purchases.

Terms apply. See Rates & Fees
Up to $350, Limited Time Offer (Apply by 5/3/17): Earn 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.

$95 annual fee

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

FM Mini Review: Solid cash back option, especially for those who spend a lot at grocery stores and gas stations
SimplyCash® Plus Business Credit Card from American Express SimplyCash® Plus Business Credit Card from American Express
Earning rate:
- 5% office supply stores and wireless phone

- 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

Terms & Limitations Apply. See Rates & Fees
$400: $200 after $5K in 6 months plus $200 after additional $10K in 12 months

No annual fee

Recent better offer: $500: $250 after $5K in 6 months plus $250 after additional $10K in 12 months (Expried 1/25/17)

FM Mini Review: Solid cash back card for those who spend a lot within the 5% and 3% categories.
“Old” Blue Cash Card from American Express “Old” Blue Cash Card from American Express
Earning rate: Up to 5% Cash Back at U.S. supermarkets, U.S. gas stations & select U.S. drugstores (Everyday Purchases). Up to 1% Cash Back on other purchases. For your first $6,500 in purchases in a reward year, you will earn 1% on Everyday Purchases (5% thereafter), and 0.5% on other purchases (then 1%)

Terms and Restrictions Apply. See Rates & Fees

See also: Playing 5X everywhere Whack a Mole


No annual fee

Recent better offer: None. It is unlikely that there will ever again be a signup bonus for this card.

FM Mini Review: Good choice for those who spend A LOT at grocery stores.

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. Wait 91 days between applications to increase your chance of success. Hard inquiries are usually combined into 1 when approved same day but there have been reports of TransUnion not combining.  YMMV.
 Click here to check your application status
If denied, call reconsideration here: 866-224-7803 (personal cards); 800-481-8277 (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

Recent better offer: None
MERRILL +® Visa Signature® Credit Card MERRILL +® Visa Signature® Credit Card
This application is available via phone and we recommend applying that way. To apply, call 866-751-1257 and use application code BAABZX. Click here for the disclosure agreement showing 50,000 bonus points in fine print.

Earning rate: 1X everywhere

Big spend bonus: $200 travel credit or Delta SkyClub membership after $50K in spend per year.
50K after $3K spend in 90 days

No 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+ coach companion pass every year; free first checked bag for you and up to six other passengers on your reservation
30K + $100 statement credit 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 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 Travel Rewards World MasterCard for Business BOA Travel Rewards World MasterCard for Business
Earning rate: 3X for travel booked through BOA's travel center
25K after $1K spend in 60 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

No annual fee

Recent better offer: None
BOA Cash Rewards for Business BOA Cash Rewards for Business
Earning rate: 3% gas and office supply; 2% restaurants
$200 after $500 spend in 60 days

No annual fee
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 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.
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
$100 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
$100 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.
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

See also: Why the Recent Arrival Changes are a Terrible Business Move For Barclaycard
50K after $3K spend in 90 days

Annual fee waived first year, then $89
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
-Group 1 boarding
-10% rebate on AA awards (up to 10K per year)
-Reduced mileage awards
-25% off in-flight purchases
40k miles after 1st purchase within 90 days and payment of the $95 AF

$95 annual fee
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 Plus Card JetBlue Plus Card
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
30K after $1K spend in 90 days

$99 annual fee

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

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.
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
See this post about how to get the 50,000 mile offer

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 $1K spend in 90 days

$89 annual fee

50K offer may be available! Find the full instructions here.
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
40K after $1K spend in 90 days

No annual fee

Offer Expires: 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
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 now charges a flat rate for free nights at all properties: 15,000 points per night. So, this signup bonus is good for 1 night.
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
30K: 15K after first purchase plus 15K after $1,000 spend in 90 days

$75 annual fee

Wyndham now charges a flat rate for free nights at all properties: 15,000 points per night. So, this signup bonus is good for 2 nights.

Recent better offer: 45K: 30K after first purchase, 15K after $2,000 spend in 90 days
JetBlue Card JetBlue Card
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
5K after $1K spend in 90 days

No annual fee

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

FM Mini Review: Not bad for a fee-free airline card.
Barclaycard CashForward Barclaycard CashForward
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
$200 after $1,000 spend in 3 months

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
-Group 1 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

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Capital One

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

Cap One
App
Tips
Must wait 6 months after application before getting same brand card again Hard inquiries combined into 1, but only when approved same day Most credit inquiries go through all 3 bureaus You can have max 2 Cap 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 Spark Cash for Business Capital One Spark Cash for Business
Earning rate: 2% everywhere
$500 after $4,500 spend in 3 months

Annual fee waived first year, then $59
Capital One Spark Miles for Business Capital One Spark Miles for Business
Earning rate: 2X everywhere

Noteworthy Perks: Redeem points for travel at value of 1 cent per point.
50K after $4,500 spend in 3 months

Annual fee waived first year, then $59
Capital One Venture Rewards Capital One Venture Rewards
Earning rate: 2X everywhere

Noteworthy Perks: Redeem points for travel at value of 1 cent per point.
40K after $3K spend in 3 months

Annual fee waived first year, then $59
Capital One VentureOne Rewards Capital One VentureOne Rewards
Earning rate: 1.25X everywhere

Noteworthy Perks: Redeem points for travel at value of 1 cent per point.
20K after $1K spend in 3 months

No annual fee
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

No annual fee
Capital One Spark Miles Select for Business Capital One Spark Miles Select for Business
Earning rate: 1.5X everywhere

Noteworthy Perks: Redeem points for travel at value of 1 cent per point.
20K after $3,000 spend in 3 months

No annual fee
Capital One QuickSilver Capital One QuickSilver
Earning rate: 1.5% everywhere
$100 after $500 spend in 3 months

No annual fee

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

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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 biz cards if you apply with a diff business 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
-> Click here for application tips

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



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


FM Mini Review: Great card for 3X categories. Also consider Chase Ink Cash for its 5X categories
Chase Sapphire Preferred℠ Card Chase Sapphire Preferred℠ Card
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: Excellent all-around card for frequent traveler, but note that for many, the Sapphire Reserve may be a better choice.
Chase Sapphire Reserve Card Chase Sapphire Reserve Card
-> Click here for application tips

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!
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!
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!

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

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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 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.
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


$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.
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.
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.
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 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

$95 annual fee

You may be targeted for a 50K + $50 statement credit offer. Details here.

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

Note: You may be targeted for a better offer when logging into your MileagePlus account.

Recent better offer: 70K + $100 statement credit (targeted)
Chase United MileagePlus® Club Card Chase United MileagePlus® Club Card
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;
-Avis First elite status;
-Hyatt Platinum elite status;
-Primary auto rental collision damage waiver
$100 statement credit after first purchase

$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 Marriott Rewards® Premier Chase Marriott Rewards® Premier
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.
107.5K: 100K after $5K spend in 3 months plus 7.5K for adding an authorized user and making a purchase


$85 annual fee

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: None
Chase Hyatt Visa Signature Chase Hyatt Visa Signature
You may need to try making a dummy booking if the link above does not work

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: Platinum elite status; Free category 1-4 night every year upon renewal
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

$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.

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 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.
80K after $3K spend in 3 months

$99 annual fee

Note: This card may be subject to Chase's 5/24 rule. There are mixed data points.

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
-> Click here for application tips

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.

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

Recent better offer: 75K after $2K spend. (Last reported 7/2016)

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

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

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)

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
30K after $3K spend in 3 months

Annual fee waived first year, then $95

Recent better offer: 50K after $3K spend (Last reported 1/2016)

FM Mini Review: Very strong earnings for spend.
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
-$100 Global Entry application fee credit
-Free golf benefit
-Use points for 1.33 cents value for any flight; or 1.6 cents per point value on American Airlines; 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

See also: Click here to learn about negative changes coming in July 2017
40K after $4K spend in 3 months


$450 annual fee

You may need to open the application in private/incognito mode to get it to work.

Recent better offer: 50K after $3K spend (Last reported 8/2016)

FM Mini Review: Excellent combination of perks and rewards for spend. $250 per year airline credit makes the annual fee reasonable.
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.

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 / 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
-Group 1 boarding
-Reduced mileage awards
50K after $3K spend in 3 months

Annual fee waived first year, then $95

Recent better offer: 60K targeted offer. It may be possible to get matched to the 60K offer via phone or secure message if you have recently opened the card.
Citi® Platinum Select AAdvantage® World MasterCard Citi® Platinum Select AAdvantage® World MasterCard
Earning rate: 2X AA

Noteworthy Perks:
-First checked bag free
-Group 1 boarding
-10% rebate on AA awards (up to 10K per year)
-Reduced mileage awards
50K after $3K spend in 3 months

Annual fee waived first year, then $95

Recent better offer: 60K targeted offer. It may be possible to get matched to the 60K offer via phone or secure message if you have recently opened the card.
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

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® Hilton HHonors™ Reserve Card Citi® Hilton HHonors™ Reserve Card
Earning rate: 10X Hilton, 5X airline & car rental, 3X elsewhere.

Big spend bonus: Diamond elite status with $40K calendar year spend; free weekend night with $10K spend per cardmember year

Noteworthy Perks: Free Gold status
2 Free Nights: 2 Weekend Nights after 2.5K spend in 4 months

$95 annual fee

Recent better offer: 2 Free Nights + $100: 2 Weekend Nights after 2.5K spend in 4 months + $100 statement credit after $100 spend at Hilton in 6 months.
Citi® Hilton HHonors™ Visa Signature® Card Citi® Hilton HHonors™ Visa Signature® Card
Earning rate: 6X at Hilton hotels, 3X grocery, drugstores, gas. 2X everywhere else.

Noteworthy Perks: Free Silver status
75K after $2K spend in 3 months

No annual fee

Recent better offer: None. 75K after $2K spend is the best recent offer
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.

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

Citi Cards / Cash Back

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

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


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 Business Visa Costco Anywhere Business Visa
Earning rate: 4% gas (up to $7K spend / year); 3% restaurant & travel; 2% Costco


No annual fee

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

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 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® 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
$50 cashback 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
All miles earned in first 12 months will be doubled

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 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 Business Solutions Visa TD Business Solutions Visa$200 after $3K spend in 90 days

No annual fee
TD Cash Visa Credit Card TD Cash Visa Credit Card
Earning rate: 2% dining
$100 after $500 spend in 90 days.

No annual fee

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 FlexPerks® Gold American Express® card U.S. Bank FlexPerks® Gold American Express® card
Earning rate: 3X restaurants; 2X gas stations and airlines

Noteworthy Perks: -20K points can be redeemed for up to $400 in flights + $25 airline fee credit
-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
U.S. Bank FlexPerks® Travel Rewards Visa Signature® card U.S. Bank FlexPerks® Travel Rewards Visa Signature® card
Earning rate: 2X cell phone; 3X charity. 2X gas, grocery, or airline purchases (whichever is most 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! 20K points can be redeemed for up to $400 in flights + $25 airline fee credit

See also: Maximizing Value from the U.S Bank FlexPerks Travel Reward Visa Card
20K after $2K spend in 4 months.

Annual fee waived first year, then $49

FM Mini Review: Great card for charitable donations (3X points = up to 6% towards airfare) and for free in-flight wifi.
Korean Air SKYPASS Business Visa issued by US Bank Korean Air SKYPASS Business Visa issued by US Bank
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
30K: 15K after first purchase + 15K after $2k spend in 90 days

$75 annual fee

Recent better offer: 45K after $3K spend targeted (last reported 3/1/2016)
Korean Air SKYPASS Visa issued by US Bank Korean Air SKYPASS Visa issued by US Bank
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
30K: 15K after first purchase + 15K after $2k spend in 90 days

$80 annual fee

Recent better offer: 40K after $2.5K spend targeted (last reported 2/26/2016)
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; 3X 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: 20K points can be redeemed for up to $400 in flights + $25 airline fee credit

See also: Maximizing Value from the U.S Bank FlexPerks Travel Reward Visa Card
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
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

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".
LANPASS Visa Signature issued by US Bank LANPASS 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 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 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
15K for $1K spend in 3 months + 5X points on gas, grocery, and drugstore purchases for 6 months.

No annual fee
Wells Fargo Rewards Visa® card Wells Fargo Rewards Visa® card
Earning rate: 5X gas, grocery, drugstore for 6 months
15K for $1K spend in 3 months + 5% rewards points on 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 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.

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

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 70,000 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.)
70K after $5K spend in 3 months.

Annual fee waived first year, then $400

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: 42734
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
60K after first purchase

$149 annual fee

Use promo code AVSPWE during the application to get the 60K offer.
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
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
FNBO TraveElite Credit Card FNBO TraveElite Credit Card
Earning rate:
-3X Travel
-1.5X everywhere else

Noteworthy Perks: -$100 Travel Discretionary Fund (To be used towards baggage fees, lounge access, onboard food & drink, etc. Must register)
-$100 Global Entry credit
25K after $2.5K spend in first 3 billing cycles

No annual fee

FM Mini Review: A $100 annual travel credit is terrific for a card with no 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
Virgin America Premium Visa Signature Virgin America Premium Visa Signature
Earning rate: 3X Virgin America; 1X elsewhere

Big spend bonus: Receive 5,000 Status Points towards elite status for each $10,000 of spend, up to a max of 15,000 Status Points per calendar year


Noteworthy Perks:
* Waived change & cancellation fees
* Free 1st checked bag
* One $150 companion ticket discount per year
* 20% off in-flight entertainment
15K after $1K spend in 90 days

$149 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
25K after $2,500 spend in 90 days


$95 annual fee

Recent better offer: None

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
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
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.

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

Can’t find what you’re looking for?

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

Denied?

If your application is denied, it is often worth calling the bank to talk to an analyst. They may be able to approve you on the spot after asking a few questions.

Advertiser and Refer-A-Friend Disclosure

Many of the card offers that appear on this site are from companies from which Frequent Miler receives compensation. Please see my full advertiser disclosure here. And, some offers are friend referrals in which we will earn points or other rewards in exchange for successfully referring you through the link shown here.

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Comments

      • Hey, um, well that I dont think is correct…. I opened a CSR in November, booked a cruise to use the $300 Travel Credit… They let me use the 2017 travel credit since my statement for December ended January 2nd… I loaded up EZ-Pass for $300 and got that reimbursed as well. Did the spend for 100,000 points. I then sent an SM to ask to downgrade to a my second freedom (5x categories). I asked about downgrading to the Sapphire, Freedom Unlimited, and the Freedom which they all told me I could do. Another thing to note is they told me that downgrading to a no annual fee card within 60 days, I would get my FULL $450 back!!! Essentially made $1600+ and got a 2nd Freedom. Chase is SWEET!

  1. Added Blue Cash Everyday $100 + 10% at Amazon up to $200 extra offer and Blue Cash Preferred $150 + 10% at Amazon up to $200 extra offer.

  2. TLDR; Long time user of Amex Platinum (both personal & biz) … tired/fed-up of Amex BS/Wag-the-dog … loving Chase’s Reserve and InkPlus (see tremendous value beyond the first year and will keep both) … fingers-crossed for the Chase Ink RESERVE!!!

    1. Amex Platinum has been systematically whittling down the benefits with nuanced terms, e.g., the $200 airline credit limited to1 airline and that too does NOT cover common expenses on that 1 airline! Chase’s Reserve $300 & Citi’s Prestige $250 out class hands down.

    2. Amex does NOT seem to understand that its card is not accepted as it used to be both within US and definitely overseas. Plus Amex does NOT seem to realize that Costco was the tipping point – and their network does NOT even begin to compare with Visa & Master network inside US and worldwide!

    3. Instead of taking the message from Costo & CSR & Citi Prestige, they continue onwards like IBM did in the 80’s … anyone remember the original IBM PC – exactly! Think of it as Chase = HP in 2016 (see the creativity), Citi = Dell (comeback kid).

    4. While Amex focuses on advertising, trickling enhancements, and plays wag-the-dog …
    >> Chase Sapphire Reserve gives the value to its consumers and has already outclassed Amex Platinum personal
    >> Chase Ink Plus (Preferred) already bests Amex Gold
    >> Chase Ink Reserve for Business [fingers crossed] with say a 6X category + some other benefits would easily knockout Amex Platinum Business OPEN!

    5. We would not need to look beyond Chase … especially since its UR is family-friendly (transfers) and they don’t nickel-n-dime their customers, e.g., transferring miles to domestic airlines (unlike Amex)

    But to be fair the one-up that Amex has is its Centurion lounges -BUT- Chase can add more than Priority Pass Select lounges to make a point … (hint hint for Ink Reserve)

  3. Question: I have had the United Explorer card for 2 years. Is there any reason to pay $95 and keep it? I don’t think I need any of the normal benefits mentioned above, but what about award availability? I thought one gets a better selection of awards seats (or is this only for “standard awards” i.e. the ones at double the price)?

  4. Added Blue for Business 10K points after first purchase + 10X points at U.S. restaurants the first six months (up to $2K in spend) + 2X on all purchases the first year (up to $50K in spend) offer.

  5. Greg, if i open a Chase card for a business that has no cards yet, but I have other personal and business cards such that the 5/24 rule would apply, would that keep me from getting cards for my new business?

    Thanks.

  6. Shouldn’t the Chase Sapphire Reserve entry have the verbiage “Note: This card is known to be subject to Chase’s 5/24 rule.”? Also, per multiple other points sites, the Chase Marriott BUSINESS card is apparently NOT subject to 5/24, but you indicate that it is above. Is that accurate?

    • Hi Tom. You are correct that the Sapphire Reserve should be a part of 5/24 and I have added that language. That was an oversight.

      As for the Marriott Business card, there are mixed data points now regarding that card. Recently there are people who have been denied for having too many new accounts, but others have been approved. I have updated the language to indicated it may be a part of 5/24 but the data is mixed.

      Thanks!

  7. The TD Cash Visa now only offers $100 bonus for spending $500 in the 1st 90 days. The $200 offer for spending $1500 has expired.

  8. The 50,000 mile bonus has expired for the Chase Southwest Airlines Rapid Rewards Premier Credit Card. The landing page shows the offer, but when you click the Apply button, tou end up on a page that says offer no longer available.

    • Thanks. It appears that app has died. The best offer now appears to be 40K after $1K spend. The 50K app on the lower annual fee Plus card still seems to be working as does the Premier Business 50K app.

  9. I called Priority Pass directly and confirmed that the separate Select passes I received from my Chase Sapphire Reserve, Citi Prestige and CNB Crystal all include free lounge entry for the passholder and ALL guests (not just two). My Amex Platinum and Amex Mercedes-Benz Platinum include free entry for the cardholder only with guests costing $27 each. Finally, the Priority Pass from my Amex Hilton HHnonors Surpass card requires a $27 payment per person, even including the passholder. Your descriptions above differ from that – you do not even list in for the Amex cards, so you may want to confirm yourself and update as needed.

    • Hi Tom,

      We don’t list the Priority Pass specifically for the Amex cards since it is part of lounge access options such as the Centurion lounges and Delta SkyClubs. This is just quick basic information and going through to the app will give the full details. Lounge membership is listed as a benefit.

      As for the Citi Prestige, I understand what you have been told, but many people I know including myself only received a Priority Pass membership with 2 guests or immediate family.

      The Priority Pass benefit with the Surpass is not listed since it isn’t a significant benefit given the cost.

      The CNB Crystal card does include unlimited guests. The language above indicates that the primary cardholders and an authorized user get access for a total of 2 cards.

      Thanks as always.

      • I have since visited Priority lounges with my Crystal card and my Citibank Prestige card and each time, they let me in with my wife and two children w/o charges, which is what the Priority Pass customer service said was provided by the card, so I have to differ with your assessment above.

        • Tom, I don’t think that differs from what Shawn wrote. You were allowed in with immediate family. That is consistent with what Shawn said. Anyway, my recommendation is to always use the Crystal card’s Priority Pass (or Sapphire Reserve’s) since that definitely allows unlimited guests (unless the lounge has specific policies against it).

  10. The are three HSBC credit cards described at https://www.us.hsbc.com/1/2/home/personal-banking/credit-cards. Premier has a 40,000 point sign-up bonus which is worth $600 towards airfare, but requires a Premier HSBC bank account ($100,000 total balance) to qualify. Advance has a 25,000 point sign-up bonus which can be redeemed for $250 in cash, but requires an Advance HSBC bank account ($10,000 total balance or $5,000 total balance plus any monthly direct deposit) to qualify. Platinum Rewards 15,000 sign-up bonus can be redeemed for $150 in cash, and has no listed HSBC bank account requirements. All three waive the annual fee in the 1st year. If the corresponding HSBC bank account balances are not maintained, fees are $95 for Premier, $45 for Advance and $0 for Platinum Rewards in years 2+.

  11. Hey Shawn,

    Would you ever recommend doing a balance transfer on a card with high balances to a card with a zero introductory balance transfer? I’ve seen cards that offer zero balance transfer for “x” months but all of them charge anywhere from 3% to 5% in balance fees. What are your thoughts.

  12. Can you confirm for me that I can get the 100,000 bonus on the AMEX Business Platinum for a second business I have even though I still have the same card for my first business? I also have the personal Platinum.

  13. For some reason I’m having a really difficult time finding info on the upromise card.

    I buy a ton of apple products online, and I’m trying to figure out if upromise credit card will give me 5% back if I have the card and go through the portal. Apple is on the list of retailers at 1%. Does this mean I earn 5% as well as 1%, or is apple limited to 1% total and that’s all I’d earn between the portal and the card.

    https://shop.upromise.com/e/members/benefits.php?sid=132XXdKrlo132&xgroupby=partname

    • I don’t have that card, but yes I believe that any transactions that pay out through the uPromise portal will also get 5% cash back if you pay with the uPromise credit card. So with your Apple example, you should get 1% from the portal + 5% from the credit card = 6% cash back.

    • Here’s the details from the Upromise site:

      Earn 1% cash back shopping through the portal

      Earn an additional 5% cash back for college when you use the Upromise MasterCard® only on eligible online purchases.

      The new MacBook Pro and Apple AirPods are not eligible for cash back. Additional products not eligible for cash back are gift cards, gift wrap, One to One Membership, Bose products, and shipping. Apple sells and ships products to end user customers only; you may not purchase for resale. Eligible only to a customer for up to five (5) units per eligible product, except iPhone, in which case only two (2) units within a thirty-day (30-day) period are eligible.

  14. Looks like the AMEX Hilton offer is gone too – gives me a page with privacy information when clicking on it – both regular and in incognito window.

  15. While at it – it looks like the BOA Virgin Atlantic card has been replaced with two other cards a Black card with a 20K offer and a White card with a 12.5K offer. Annual fees $90 and $49 respectively though.

  16. Added Barclaycard Aviator Red AAdvantage Mastercard 40K offer. Note: This card can only be applied for in an airport or on board a flight.

  17. Is anyone else having issues with the Bank of America application status web page? It says that it has no matching info for me and my wife. However, it was working a couple of weeks ago, and we each have had a couple of cards approved (Amtrak and Alaska Business) and one declined (Merrill+) within 1 month. I was able to see those applications until my most recent one was approved. Status for my wife was not available a few days before mine stopped working. Very odd.

  18. Is it just me or has Barclay become a MUCH less attractive card? First they changed the threshold for redeeming miles at full value from 2,500 to 10,000. That was annoying but no more. however now I notice that they systemically fail to code travel expenses as such. If an expense is not coded as a travel expense it it not possible to get a full-value credit for it. Attempts to contact customer service fall on deaf ears.

  19. Is it not possible to recon BofA Biz cards? Applied and was denied immediately. So called the # 800 481 8277 – Option 3, but told – cant provide update for ind applications and we will contact if any info needed/ will send the decision in writing.

    Anyway to recon without hearing from them?

      • ty! for checking on this!

        I figured this out.. one update to my above question… option 3 leads you to robo voice and not to live rep…

        So i called the same number again and this time selected option 1 – apply for a new application. Sent to live rep and explained my case.. instead of saying declined, i mentioned declined pending further info.

        So transferred to credit dept and successfully recon’ed and approved for 5K CL. All in all, ended positive!

  20. Fixed Fairmont 2 Free Nights offer.

    WARNING: The Fairmont offer is very likely to die at any moment since all traces of the landing page are gone. If you’re interested in this excellent offer, I’d recommend signing up today. More here: https://www.uscreditcardguide.com/chase-fairmont-credit-card/

    I’m not trying to twist anyone’s arm here. This is NOT an affiliate link — I do not get anything from people signing up for this card. It’s just a great offer that is very likely to disappear at any moment.

    • Missed it by that much. I was waiting for Chase to close out card #5 before applying. Thanks for the heads up though.

      Hopefully some other readers got in more quickly.

  21. My wife and I each have one and all the perks they give you annually are pretty suite! Food credits, room upgrades, suite upgrades, 3rd night free plus an annual free night for 12k spend. Their programs management is highly inefficient so be prepared.

  22. I received a mailer from Capital One for the Capital One QuickSilver. Earn a $150 one-time cash bonus when you spend $500 on purchases in 3 months.

  23. Can you get the CitiBusiness AAdvantage World MasterCard if you don’t have a business? Also, the Citi Platinum Select links are both broken.

    • You should have a business to open a business credit card. That said, not all businesses are huge corporations. Some are as simple as a person who buys and sells things on eBay or Craigslist now and then. The important thing is to be honest in your application.

      And thank you for noting that the links were broken. They’re fixed now. I appreciate the heads up!

  24. Does the 50% Airline Bonus for the AMEX Business Platinum card apply to economy international tickets purchased through, for example, my designated airline of American Airlines, for flights on non-American metal such as British Airways? My home airport is BOS and I fly often to Europe. I’m trying to decide on the best choice for my AMEX designated airline. I only occasionally travel in any premium class. Do you have any suggestions?

  25. Fixed the link for the Case Ritz-Carlton Visa to include an active offer without a landing page that should yield 3 free nights. Also updated the Citi Thank You Preferred offer yesterday to include a link for a 15,000 ThankYou Point sign-up offer that does not include the 24-month language.

  26. Your link for the Chase Ritz-Carlton card with 3 night bonus offer appears to be dead. The page now simply displays: “Offer Unavailable. The information you requested is no longer available.”

  27. The link for the AmTrak 15,000 point bonus seems to be dead. It brings you to a page that says “System Unavailable We’re sorry for any inconvenience, but the system is currently down. Please try again later.”

  28. After trying the link in various browsers and incognito/private windows it appears that the Citi Prestige offer is now only showing 40K TYP after $4K spend.

  29. Any updates on whether the Avianca lifemiles offer actually works? I had heard a few weeks ago that people were not necessary getting their 60k miles. Didnt want to drop the $149 annual fee if so.

    Also does the Citi AA 50K offer ** really** work even if you’ve had a Citi AA card within the last 24 months? I am 12 months out from closing my last AA card and would love to use that link.

  30. I can confirm that both my wife and I received our 60,000 Avianca miles last week, and we also each earned 60,000 AA miles from our second city cards a couple weeks

  31. Just applied today for 4 AMEX CC’s for new business, about 2 years old. Approved for all 4, one charge and 3 credit. Thanks, Greg for all of your help. I have relied on your advice for years and it has always been spot on!

    Marshall

      • Greg, on two of the cards I was required to call by Amex after I completed the app. Both calls were easy, just Amex rep telling me I was a valued customer and when I would get the cards. Approved immediately on the spg card and the gold card, called on the blue and delta gold.

        Marshall

    • Oops! Thanks Rachel. Someone put the “N” in the wrong column of our credit card database. It was supposed to hide the card altogether from this page because we don’t know any good public signup offers for that card right now. It is now fixed.

  32. Greg,

    I was just forwarding your link for the Schwab Amex Platinum to a friend of mine and noticed that your perks include one free AU. I haven’t seen that anywhere, and in a chat with AMEX they said it is the normal up to 3 for $175 deal.

    Can you offer me any insight into how to get that first AU free?

    Anita

    • Was just searching for confirmation of the same thing… couldn’t find anything regarding AUs at all on the application as far as whether any were free or even if they were $175.

  33. March 1, 2017: Today I received AMEX Blue Cash Preferred $250 statement credit after $1000 spend via Firefox private/incognito. Applied and approved immediately. So the $250 credit (without the 10% restaurant category) IS still possible.

  34. Thanks for the clear listings on this page. Just applied for 5 cards (the Citi Business special was not from your links) for spouse last night, 2 instant approval, let’s see where the others go.

  35. Hi Nick. I just put $48,000 on my Amex business at 1.5x’s the normal points. Any way you can see a way to double dip? Or if not, is there a better option for a card to transfer balance to? Just made purchase yesterday. Thanks for your thoughts.

    • I’m sorry I never responded Alfred — somehow your message slipped past me. I’m not sure what you meant about double dipping. As I understand it, you charged $48,000 to your card. Now you have to pay it off. The nice thing is that you earned 72,000 Membership Rewards points. That’s a nice haul.

      If you still have a question, let me know and I’ll do the best I can to answer it. I’ll keep my eye out — sorry again for the slow response.

  36. It appears that the link for the Hilton Reserve card is dead. When I click the Apply button under the Reserve card column on the landing page to which your link directs me, the resulting page says “A system error has caused a delay in processing your application.”

  37. Amex recently (expired end of January 2017) had an offer for the Delta Gold card for 75k after $3k in spend. Got the offer via mail.

  38. Updated the Ritz-Carlton card as all working links to a 3-night sign up bonus are now dead. Current sign up bonus of 2 free nights on $4K spend has been updated.

    Also updated the Korean Skypass Business visa for 15K signup bonus (previous bonus was 10K).

    Edited to include sign up bonus information on Barclaycard Aviator and updated it as the application is online (was previously in the airport only).

  39. Chase Freedom Unlimited has a targeted in-branch offer for 30k after $500 spend, plus the 2.5k for authorized user. Just got it today.

  40. Hi,

    Does anyone have a link for the Hilton Reserve Card that has the $100 Statement credit. I have searched everywhere and I can’t seem to find it.

    Thank you

  41. I have just been offered 10,000 MR points on my personal Amex Platinum card if I enroll in their Extended Pay Option. It doesn’t say, but I am guessing this will involve a credit inquiry. I don’t care about the extended pay option itself, just wondering if this is a free 10,000 points as they say or their is the cost of a credit pull.

    What do you think? I don’t think 10,000 MR points is worth a hard pull.

    • I’ve never received a credit pull with these.
      Whenever I apply for an Amex MR charge card, I wait to get an offer like that and then sign up. Free and easy 5K to 10K points as long as you continue to pay in full each month (otherwise you pay interest).

      • Great, thanks. I’ll do it. I’m still trying to claw back the 100 MR they clawed back from me last August. This would make 60K so far ….

  42. Greg:

    My wife just got the Amex Hilton Surpass card. Unfortunately, she got it before the increased signup bonus to 100k plus free night. Does Amex give additional 20K signup bonuses in situations like this? Thanks.

    • Amex won’t officially match the new bonus but people have had luck with the following process:
      1. Call to say that you’re unhappy that you got a lower bonus than the current bonus. Ask if they’ll match it. They’ll probably offer you a very small number of courtesy points instead.
      2. Ask to speak to a supervisor
      3. Supervisor will hopefully offer the full 20K points as a courtesy, or at least more than the first line person did.

    • Thanks for commenting. Our link was working when I added it on 3/16, but it seems that all links without 24-month language have died for the moment.

      However, I have updated it with a new link for 50,000 points after $3,000 in purchases. This link DOES have 24-month language, so you will NOT be eligible for the bonus if you have opened or closed it in the past 24 months.

      Thanks again for bringing it to my attention!

  43. Is the Citi Platinum Select AAdvantage World MasterCard 50k offer no longer available? The link just goes to another page on this site. And that page just has a link to creditcards.com which only shows 30k miles after $1000 in purchases.

    • Thank you for commenting! I’ve fixed the link — it now takes you to a 50k offer. Note that this offer includes 24 month language — you will not be eligible if you have opened or closed a Citi AAdvantage card in the past 24 months. Thanks again, Eric!

  44. I think you need to update the annual fee on all Amex Platinum personal cards to $550 as of today. Also, the Charles Schwab Platinum now has a 60,000 point bonus, more than offsetting the increased fee.

    • Thanks, Tom. We’ve made updates on the Charles Schwab, Mercedes-Benz, and Morgan Stanley sign up bonuses (all 60k now) as well as the benefits of those cards and the Ameriprise version to reflect new 5X categories and free Gold card AUs.

  45. Perhaps you can help with a problem:
    I applied for an Avianca card through your site on February 6, 2017. Everything went through perfectly, the first statement came and though the statement mentions nothing about the miles, the 60,000+ miles did land in my Lifemiles account immediately.

    Then my wife applied also through your site on March but by mistake she put her LifeMiles User ID as the Lifemiles number on the Bank’s application page – the application rejected this as an invalid LifeMiles number and so she blanked it out and applied as thorgh she didn’t have a LifeMiles account and one would be assigned to her.

    When her first statement came we checked – and no miles posted. Called the Banco Popular who said the miles were going to the number she had initially tried to use (the user ID) and that we had to call LifeMiules as thet are the only ones who can fix this.

    Called LifeMiles (right now I am on the 5th such call). On Tuesday we were promised (by a Sylvia Ruiz) that it would be fixed in 24 to 48 hours by a manager as she was not authorized to do it. Now, 3 days later nobody knows Sylvia, and we are back at square one. They at Lifemiles are saying that the miles are being posted to the correct account (quoting the user ID) as the number. When I explain that there is a completely different number for Lifemiles … get put on hold again. It’s now been 40 minutes, constantly being interrupted to enter the PIN number to continue … Nightmare.

    Have you anyone I can contact to get this resolved? The high $149 annual fee has now been posted and no miles. They are saying we should wait but that is just nonsense as my miles posted as soon as the statement was generated. I don’t want to have to cancel the card with no miles earned …

    .

    • Hi Frank. Sorry to hear about this mess! Unfortunately, we don’t have any relationship with Avianca or with Banco Popular, so I can’t think of any way to help. Best bet is to keep calling and ask for supervisors when the front line people can’t help.

      • Thanks for the reply. It has been a nightmare of calls and emails, but it seems they have finally linked the bank with LifeMiles correctly. No miles posted yet but I paid the fee, trusting that the bonus will come one day … 🙂

        I will confirm when it does post. Hopefully we will get good use out of these miles too.

    • Hi Rick — thanks for commenting. Unfortunately, there doesn’t seem to be a working link for the 45K offer. I have updated to include both existing versions of the Wyndham card. The annual fee version comes with a 30K sign up bonus (15K after first purchase and 15K after meeting spend) and the no-annual-fee version comes with 15K after first purchase as of this writing. The links above should both take you to a page where you select either the annual fee version on the left of the no-fee version on the right.

  46. About the 100K BA offer from Chase: Any idea how long these offers hang around for? I have a few too many inquiries with Chase (and others) recently – 1 Chase and 3 from other banks since Jan 1st. But I am going away for a month or so at the end of April.

    What do you think? I can give up a Chase Marriott (although just paid the annual fee last week) and a couple of Chase bus cards …

    I’d love to have this for my European trip coming up.

  47. The link for the Wells Fargo Propel card is broken. The text says only available in branch, but I can see the application page on the Wells Fargo credit cards page (https://www.wellsfargo.com/credit-cards/propel). Unfortunately, it now has no new account bonus, but at least it also has a $0 annual fee. However, comments on DoC indicate you can still get 40,000 points if it is opened in branch or over the phone.

    • Thanks, Tom. I fixed that link to point to the DoC info on applying by phone. Be sure to check the most recent comments for updates — but that looks like the way to go for now since there is no sign up bonus online.

    • I think this is the reason:
      “This application is available via phone and we recommend applying that way. To apply, call 866-751-1257 and use application code BAABZX. Click here for the disclosure agreement showing 50,000 bonus points in fine print.”

  48. Hilton allows a couple to share the same honors account. I wonder: could my wife and I each sign up for the Amex surpass card and earn 100,000 points into the same account? Anybody tried?

  49. FYI, just applied by phone for Merrill + card. After I gave her to application code of BAABZK she was asking if the person who referred me was an employee and for a code of some sort. I hemmed and hawed and got around it, but I wanted to make others aware just in case anyone else tries to apply. Apparently that code is used for Merrill employees to refer others for this card.

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