Best Big Spend Bonuses

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About Greg The Frequent Miler

Greg is the owner, founder, and primary author of the Frequent Miler. He earns millions of points and miles each year, mostly without flying, and dedicates this blog to teaching others how to do the same.

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David
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David

You need to factor in the annual fees to get a better picture. For example, with the Delta Reserve the 3.4% rebate comes in at a value of $1,020 with $30k spending and $2,040 with $60k. Subtracting the annual fee gets you a rebate of $570 or 1.9% and $1,590 or 2.65%.

Dave
Guest
Dave

You forgot the current Brit Air offer, or I suppose excluded it since its the terms of min spend vs an annual hurdle available.

But the incremental $9K to the first 25K tier is a 5.2% yield @ your 1.29cpp rate, and the subsequent 10K (to 20K) is a 4.84% yield.

I don’t have a value for the travel together ticket for the next 10K (to 30k). Although I suppose this portion is available each year.

I just picked this card up and since you have a year to cross the subsequent spend its kind of a perk to know that spend between app cycles can be earmarked to a high yield (as long as you know you can reach the hurdle).

Steve
Guest
Steve

I was also going to suggest the BA card
30k spend gets you 37500 avios + companion pass
putting a value on the companion pass is tough, could be $1,000, could be $10,000.
let’s say for arguments sake that it’s $1,000
that’s 37,500 +$1,000 for $30k spend.
You value avios at 1.29 cpp, so that’s $483.75+1,000= 1483.75
4.9%

-$95 for annual fee = 4.6%

those percentages go up the more you value the companion pass.

Carl
Guest
Carl

I would like to see this comparison to include the annual fee and renewal benefit

How about adding:
Hyatt
Sapphire (are there any spend bonuses?)
United cards

romsdeals
Guest

Good post. I did not know about the wavied processing fees for US Air. The big question is that could you be earning greater value elsewhere with your high spend? For example, spending $20k and getting ~5X points using a variety of tricks equates to 100K UR points, or a roundtrip ticket to Europe. I personally would rather have more miles than status.

pas
Guest
pas

Another cost to consider will be the cost of making the spend. So if $4.95 is paid to generate spend of $500..then that adds up.

Karl Mitchell
Guest
Karl Mitchell

You missed that the Virgin Atlantic BoA card gives 7,500 miles at $15k spend and an additional 7,500 miles at $25k spend. Not bad for a card that earns 1.5 miles/$ AND get you status for spend.

bluto
Guest
bluto

JP Morgan Select – 25k at $100k spend
JP Morgan Palladium – 35k at $100k spend
Chase Old Bold – 10k at $25k; another 12.5k at $50k; another 25k at $100k. It’s not a currently offered card but a lot of people have it.
Chase Fairmont – 1 free night at $12k
Amex Business Gold (the Gold before this current version) – 25k MR at $50k spend

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Ricardo
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Ricardo

The free internet on the SPG gold status is very valuable, specially overseas. I have been in some hotels in Europe that charge in excess of 25 euros per day for internet. If you add the price of using skype with the internet for phone calls, then it adds up big time. To me is much more that $100 per year.
Plus that gold status also gives you either 250 points on checking in or a welcome drink. If you check in/check out several times a year, those points can add up.

Ron
Guest
Ron

FM – you’ve left out the very best earning card – big or small – curious omission. But fine with me – don’t want it abused any more than it needs to be.

Carl
Guest
Carl

I didn’t say Hyatt has a big spend bonus- instead, just that’s it hard to keep track of where it’s worth putting spend. A summary of best bonuses and best places to put general spend, would be valuable.

I used to have 3-4 cards and life was simple. Now it’s hard to keep track of everything.

guest
Guest
guest

bluto> no, chase old bold is 7.5k for 25, 15k for 50, and 25k for 100

CardNewbie
Guest
CardNewbie

How do you compute the American Express Delta Reserve value as 3.4%?
suppose you spend $60K, the return should be:
(1.5*90K+0.5*30K)/60K=2.5
Did I miss anything?

Bikar
Guest
Bikar

Chase United Explorer card 10K miles after 25K spend.

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[…] status. I appreciate the reference! But I think the OP actually want the info on this page: http://boardingarea.com/freque…spend-bonuses/ __________________ Join the search for the perfect perpetual point machine. Start […]

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[…] Best Big Spend Bonuses […]

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[…] Originally Posted by sent The loan rep then says 99% of professionals taking this kind of equipment loan don't do it this way. Then he starts telling me it's a bad idea to put it on a CC. I ask why, and he says bc people forget to pay their CC and now they are paying a higher interest on the CC rather than just the interest on the loan. I said that's dumb because I pay my CC off on time. Then he starts lecturing me about how if I have extra money sitting around, I should fully fund my retirement and just let the loan company send the vendor the check. I asked how long does it take for the check to arrive and he tells me it is overnighted the minute they get the invoice. I am still . He then says most people don't have the $60K sitting around. OK, I buy that. I have the $60K to front the money and wait a week or two for the loan check and am pretty sure my not-yet fully funded retirement accounts won't take a huge hit in 2 weeks. But why would he care if the loan was repaid to me versus being paid to the Vendor when the vendor said I could do it via the CC method? He's afraid you gamble that money away and declear bankrupcy? Maybe 99% ARE dumb so that such advice is sound 99% of the times. I'm also puzzled to why so many people are using debit card to buy stuff — sometimes hundreds of dollars. If you want to apply for new cards, this may be interesting: http://boardingarea.com/freque…spend-bonuses/ […]

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[…] Best Big Spend Bonuses […]

ABC
Guest
ABC

Ild sell my delta points for 1.29cents a piece. But what’s fair trading price when it’s illegal to sell them. To me, the points are worth much less since its almost impossible to redeem them if you don’t have great flexibility.

Scott
Guest
Scott

You have to love the PRG card. It is pretty easy to spend $30K at grocery stores, which is all 2X points, leading to 3.23% back using your numbers. At least that’s what I’m working toward.

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[…] Best big spend bonuses […]

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[…] Best big spend bonuses […]

Tony
Guest
Tony

So I have a dilemma. I need to spend 200k this year and credit cards are accepted. So not knowing what most of this acronyms mean can you advise what would be the best way? And the way that would have the rewards last the longest? I don’t understand MQM’s or EQM’s ect.

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[…] Best big spend bonuses […]

Jake
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Jake
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[…] Best big spend bonuses […]

JC
Guest
JC

Have you updated this page recently or 2012 was the last time?
The CITI EXE => 40K => 10K EQ Miles

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[…] Best big spend bonuses […]

Bdogg
Guest
Bdogg

American Express Delta Skymiles Platinum has an annual fee of $195 now.

ET
Guest
ET

I believe the earning rates for British Airways visa have now changed as well (only 1x on normal spending).

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[…] Best big spend bonuses […]

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[…] Best big spend bonuses […]

Hunter
Guest
Hunter

Great job as always, but could use a little update. Just off the top of my head, missing Citi AT&T Access More & Barclays AAdvantage Aviator cards.

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[…] Best big spend bonuses […]

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[…] Best big spend bonuses […]

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[…] Best big spend bonuses […]

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[…] meet minimum spend requirements when I sign up for great credit card offers, to increase spend for big spend bonuses, and to earn category bonus points.  My financial results to-date can be found below.  First, […]

Ben
Guest
Ben

Is this page no longer working? I’m just seeing three columns and none of them have anything about big spend bonuses.

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[…] Since I have a son headed to college next year, I’m thrilled to have found a way to contribute to his college fund via credit card!  I used to contribute monthly through an automated process.  Now, the gift card route takes a bit more work.  Each month I’ll have to log in to buy gift cards.  Then, when received via email, I’ll log in again to redeem them.  Is it worth the minor hassle?  At only 1.19% in fees, I have no doubt.  I expect that many people will find that this is a great way to meet credit card minimum spend requirements for earning huge signup bonuses, or to increase spend in order to earn big spend bonuses. […]

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[…] Any card in which you want to earn a big spend bonus. […]

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[…] order to earn huge signup bonuses.  Or, perhaps you want to earn high level elite status or other big spend bonuses, as I do with Delta.  Or, perhaps you simply want to earn extra rewards using cards with big […]

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[…] cards offer bonuses for meeting high spend thresholds. You can find a comprehensive list here: Best big spend bonuses. Here are a few […]

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[…] the category of spend you need to make, then use that one.  Or, if you are working towards a big spend bonus on a particular card, then use that […]

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[…] in order to earn huge signup bonuses. Or, perhaps you want to earn high level elite status or other big spend bonuses, as I do with Delta. Or, perhaps you simply want to earn extra rewards using cards with big […]

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[…] Another way to earn more is to use a credit card that offers extra points or perks for high spend.  These are covered in the posts “Buying perks and points from the IRS with credit cards,” and “Best Big Spend Bonuses.” […]

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[…] be pretty low-hanging fruit if you’re looking to meet a new minimum spend or capitalize on a Big Spend Bonus. Read on for a balanced analysis of the pros and […]

David
Guest
David

Looks like the table is no longer viewable “This table is temporarily unavailable.”

Nick Reyes
Editor

Fixed that. Thanks for pointing that out, David!

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[…] Best Big Spend Bonuses […]

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[…] Fund Kiva loans with cards where your are trying to earn big spend bonuses. […]

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[…] Ever since Gift of College gift cards became available at Toys R Us stores, I’ve been buying them with rewards-earning credit cards.  The fee is $5.95 per $500, which amounts to 1.19%.  Since many credit cards offer rewards that exceed 1.19%, it’s easy to come out ahead.  Even better has been to use these purchases as a way to meet spend requirements for a new signup bonus or for a big spend bonus. […]

TomT
Guest
TomT

Time to remove the entry for the Chase Fairmont Visa Signature Card.

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[…] this as a 90K signup bonus, but it’s really a 75K signup bonus paired with the 15K annual big spend bonus that exists every year. Remembering that this card earns 1.5X everywhere, you would end up […]