Top 10+ 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.

Advertiser partners include American Express, Barclaycard, Chase, Citibank, and US Bank.

Below you will find credit card offers sorted from best to worst based on an estimate of first year value.

Calculations

First year values are calculated as: estimated first year value minus estimated first year costs. First year value includes signup bonus points and statement credits. First year costs include the first year annual fee and the opportunity cost of meeting minimum spend requirements.

Please note that valuable perks such as free checked bags, companion passes, airport lounge access, etc. are not included in these calculations.

Full details of how first year value is calculated can be found here: Credit card signup bonus estimation details.

Related Pages

Top 10+ Credit Card Offers

If you’re interested in seeing more than the top 10 offers, simply click “Next” at the bottom of the page, or use the drop down selector at the top to show more than 10 items.

Card / NotesBonus / Annual FeeFirst Year Value Estimate (with notes)
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
$1302
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.
$954
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
$949

($250 airline fee reimbursement valued at 90% face value. Assume 2 cards (primary + authorized user))
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
$859

(Airline fee reimbursement valued at 90% of face value)
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
$851
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)
$851
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.
$819
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
60K 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.
$791
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
60K after $3K spend in 3 months

Annual fee waived first year, then $95
$791
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
$728

(Travel reimbursement valued at 90% of face value)
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.
$709
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.
$703
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.
$691
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.
$673
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
$673
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
$669

(MQMs valued at 3 cents each. Statement credit valued at 90% face value.)
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)
$663

(Statement credit valued at 90% face value)
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
$663

(Airline fee reimbursement valued at 90% of face value)
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)
$663

(Airline fee reimbursement valued at 90% of face value)
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.
$663

(Airline fee reimbursement valued at 90% of face value)
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)
$652
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.
$611
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)
$589
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
$576
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)
$521

(Airline fee reimbursement valued at 90% of face value)
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!
$511
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.
$511
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
$500
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.
$496

(Free weekend night valued at $225)
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
$492
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.
$484

(2 free nights estimated at $500)
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
$474
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
$470
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
$465
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.
$460

(2 free nights estimated at $500, Statement credit estimated at 50% face value)
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.
$456

(Flight statement credit estimated at 90% of face value)
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
$455
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
$455
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
$449

(Statement credit valued at 90% face value)
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
$449

(Statement credit valued at 90% face value)
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
$443
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
$431
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
$429
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)
$375
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
$375

(Normal card earnings on $50K spend would be 50K x 1.35% = $675. With 3% signup bonus, total earnings would be $2025.)
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
$370
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.
$356

(Including $20 estimated value for Gogo passes)
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.
$350
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
$350
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
$347
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
$345
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)
$345
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.
$340
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)
$340
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
$338
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
$336
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
$334
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.
$329
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
$329
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.
$326
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.
$324
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.
$324
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!
$317
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!
$313
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
$310
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
$302
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
$300
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.
$298

(2 free nights estimated at $500. Airline fee credit estimated at 90% of face value)
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.
$294
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
$261
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
20K 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.
$257
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
$256
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
$251
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)
$240

(Assumes $2K spend restaurants in first 6 months. If so, card earns $200 rather than $20 = $180 bonus )
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
$235
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
$221
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.
$213
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".
$213
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
$210
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".
$198
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
$195

(Assumes $2K spend restaurants in first 6 months. If so, card earns $200 rather than $20 = $180 bonus )
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
$194
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
$190
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
$185
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.
$185
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
$183
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.
10K after first purchase within the first 3 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)

Expired 4/26/17 -- 25K: 10K after first purchase plus 15K after $5K spend in 6 months
$182
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.
$180

(Airline fee reimbursement valued at 90% of face value)
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.
$170
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.
$170
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
$170
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
$160
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
$157
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
$155
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
$155
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
$152
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
$141
TD Business Solutions Visa TD Business Solutions Visa$200 after $3K spend in 90 days

No annual fee
$140
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".
$135
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.
$134
TD Cash Visa Credit Card TD Cash Visa Credit Card
Earning rate: 2% dining
$100 after $500 spend in 90 days.

No annual fee
$110
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.
$100
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
$100

($50 signup bonus will be doubled after 12 months)
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
$90
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
$90
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
$90
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
$84
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.
$83
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
$66
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.
$58
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
$37
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
$20
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
$10
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
$0
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.
$0
Capital One QuickSilver Capital One QuickSilver
Earning rate: 1.5% everywhere
$100 after $500 spend in 3 months

No annual fee
$0
“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.
$0
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
$0
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
$0
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
$0
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.
$0
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.
$-10

(MQMs valued at 3 cents each. )
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.
$-10

(MQMs valued at 3 cents each. )
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
$-195
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
$-350

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