Best Big Spend Bonuses

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, Barclays, Capital One, and CreditCards.com

One way in which banks try to encourage spending on their credit cards is by offering bonus points or perks for high spend. This page lists our picks for the best spend bonuses. Below the list, you’ll also find a table containing all big spend bonuses in our database. By default, the table only shows the first 10 cards, but you can search, click “Next”, search, or use the drop-down to increase the number of displayed cards.

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See also: Best Credit Card Offers, Best Rewards for Everyday Spend, and Best Category Bonuses

Best elite perks for spend

Ritz Carlton Rewards Visa Infinite Card from Chase

The Ritz Carlton Rewards program is identical to Marriott Rewards. In fact, when signing up for this card, you can enter your Marriott Rewards number in the application. This means that the Ritz card makes it possible to earn Marriott Gold or Platinum status through spend. And, with the Marriott and SPG merger, that means you’ll also get SPG Gold or Platinum status. Further, if you get Marriott Platinum status, you can simply sign up for RewardsPlus to get automatic United Silver status!

Chase Ritz Carlton Rewards Visa Infinite
2 Free Nights + 10K
2 Free Tier 1-4 night stays after $4K spend in first three months + 10K points for adding an authorized user.

$450 Annual Fee

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

FM Mini Review: While the card is pricey, it offers a very nice collection of perks. Great choice for those seeking Marriott elite status.


Card Type: 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.

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

Delta Platinum and Reserve Cards from American Express

Delta is the only major airline that makes it possible to earn high level status through credit card spend alone. They offer four separate cards that, together, make it possible to earn up to 100,000 Medallion Qualifying Miles per year. If you were thinking of booking extra flights just to get or keep status, consider using one or more of these cards to “mileage run from home” instead.

Platinum Delta SkyMiles® Credit Card from American Express
50K miles
50K miles after $1K spend in first 3 months + $100 statement credit after Delta purchase in 1st 3 months. Terms apply.

$195 Annual Fee

FM Mini Review: Good choice for frequent Delta flyers who can make use of annual companion certificate


Card Type: Amex Credit Card

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. Terms apply.

Noteworthy perks: Free domestic economy companion certificate after first year ⚬ Priority boarding ⚬ Free checked bags

See also: An Analysis of the Platinum Delta SkyMiles credit card

Platinum Delta SkyMiles® Business Credit Card from American Express
35K miles + 5K MQMs + $100
35K miles + 5K MQMs after $1K spend in first 3 months + $100 statement credit after Delta purchase in 1st 3 months. Terms and limitations apply.

$195 Annual Fee

A better friend-referral offer may be available

Recent better offer: 70K miles + 10K MQMs after $3K spend in first 3 months + $100 statement credit after Delta purchase in 1st 3 months. (Expired 4/11/18)

FM Mini Review: Good choice for frequent Delta flyers who can make use of annual companion certificate


Card Type: Amex Credit Card

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. Terms and limitations apply.

Noteworthy perks: Free domestic economy companion certificate after first year. Priority boarding and free checked bags. Terms and Limitations Apply. See Rates & Fees

See also: An Analysis of the Platinum Delta SkyMiles credit card

Delta Reserve Credit Card from American Express

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.


Card Type: Amex Credit Card

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. Terms apply.

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

Delta Reserve Business Credit Card from American Express
40K miles + 10K MQMs
40K miles + 10K MQMs after $3K spend in the first 3 months. Terms apply.

$450 Annual Fee

Recent better offer: None.

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


Card Type: Amex Credit Card

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. Terms apply.

Noteworthy perks: Free domestic economy or first class companion certificate after first year ⚬ SkyClub access ⚬ Priority boarding ⚬ free checked bags. Terms and limitations apply. See Rates & Fees

See also: An Analysis of the Delta Reserve Credit Card

JetBlue Cards from Barclaycard

With $50,000 spend on either of these cards, you’ll earn JetBlue Mosaic status. Mosaic status gives you (among other perks): no change or cancellation fees (that’s huge), and free inflight beverages including cocktails, wine, and beer.

JetBlue Business Card
40K miles
40K 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 great choices for JetBlue flyers.


Card Type: Mastercard

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

Barclays JetBlue Plus Mastercard

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.


Card Type: Mastercard World Elite

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

Hilton Honors Ascend Card from American Express

Earn top tier Diamond status with $40K spend.

Hilton Honors Ascend Card from American Express
100K points
100K after $3K spend in 3 months plus a free weekend night after first anniversary. Offer expires 6/27/18. Terms apply.

$95 Annual Fee

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

FM Mini Review: Easy way to secure Hilton Gold status (which offers free breakfast among other perks). Those who want Diamond status may be better off with the Aspire card.


Card Type: Amex Credit Card

Earning rate: ⚬ 12X Hilton spend ⚬ 6X U.S. restaurants, US Supermarkets, and US gas stations ⚬ 3X everywhere else

Big spend bonus:
⚬ Free weekend night after $15K spend in calendar year ⚬ Diamond elite status with $40K calendar year spend ⚬ Terms apply

Noteworthy perks: ⚬Free Gold status. Diamond status w/ $40K spend. ⚬ 10 free Priority Pass lounge visits per calendar year ⚬ Terms Apply. See Rates & Fees

See also: Hilton Amex Cards. Everything you need to know.

Best free nights or flights for spend

Southwest Credit Cards from Chase

Southwest Airline’s Companion Pass is arguably the single best ongoing travel deal around. Once you get the companion pass, you can add a companion for free (after TSA fees) to any Southwest flight that you’ve purchased with points or with cash.

Chase Southwest Airlines Rapid Rewards® Premier Business Card
60K miles
60K after $3K spend in 3 months

$99 Annual Fee

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

FM Mini Review: Great for signup bonus, but consider cancelling after first year.


Card Type: Visa

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.

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

Chase Southwest Airlines Rapid Rewards® Plus Card
40K miles
40K after $1K spend in 3 months

$69 Annual Fee

Recent better offer: 60K after $2K spend in 3 months (Expired 10/9/17)

FM Mini Review: Great for signup bonus, but consider cancelling after first year.


Card Type: Visa Signature or Platinum

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.

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

Chase Southwest Airlines Rapid Rewards Premier Credit Card
40K miles
40K after $1K spend in 3 months

$99 Annual Fee

Recent better offer: 60K after $2K spend in 3 months (Expired 10/9/17)

FM Mini Review: Great for signup bonus, but consider cancelling after first year.


Card Type: Visa Signature or Platinum

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.

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

Radisson Rewards cards from US Bank (former Club Carlson Rewards cards)

Radisson Rewards credit cards (currently being re-branded from Club Carlson Rewards as of 3/5/18) offer a free night at any US property after each $10K annual spend up to $30,000 for a maximum of 3 free nights. Sadly, there aren’t very many desirable Club Carlson properties in the US, but there are a few (the Radisson Blu Chicago, and the Radisson Hotel & Suites Dowtown Austin are a couple of good ones I’ve stayed at). Each of these cards will give you a free night after each $10K annual spend up to $30K. You’ll also earn 5X points for that spend, plus 40,000 bonus points each year, so you should have more than enough points to turn the free night into a free long-weekend.

Radisson Rewards Business Visa Card
85K points
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".


Card Type: Visa Business

Earning rate: ⚬ 10X at CC hotels ⚬ 5X elsewhere.

Big spend bonus: Free night at any US property after each $10K annual spend up to $30K

Noteworthy perks: ⚬ Automatic Gold status ⚬ 40K bonus per year.

See also: Club Carlson rocks our world... Again

Radisson Rewards Premier Visa Signature Card
85K points
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".


Card Type: Visa Signature

Earning rate: ⚬ 10X at CC hotels ⚬ 5X elsewhere.

Big spend bonus: Free night at any US property after each $10K annual spend up to $30K.

Noteworthy perks: ⚬ Automatic Gold status ⚬ 40K bonus per year.

See also: Club Carlson rocks our world... Again

Best points and other rewards for spend

Amtrak Guest Rewards World MasterCard from BOA

This one offers a unique benefit: with $20K annual spend you are then allowed to transfer up to 25,000 points to hotel partners. This is particularly valuable for the ability to transfer 1 to 3 to Choice Privileges. 25,000 Amtrak points becomes 75,000 Choice points.

BOA Amtrak Guest Rewards World Mastercard
20K points
20K after $1K spend in 3 months

$79 Annual Fee

Recent better offer: 30K after $1K spend in 3 months


Card Type: Mastercard World

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

AT&T Access More Card from Citi

This card earns ThankYou points at the following rates: 3X for AT&T purchases, 3X for online retail and travel sites, 1X everywhere else. Since this card offers 10K bonus points with $10K annual spend, it then earns 4X for some purchases and 2X everywhere else if you spend exactly $10K annually. And, if you (or a friend) also has a Citi Premier or Citi Prestige card, you can transfer points to a number of airline programs to get more value from your points (see: Citi Transfer Partners).

AT&T Access More Card

FM Mini Review: Excellent choice for those who shop often online (thanks to 3X earnings)


Card Type: Mastercard World Elite

Earning rate: ⚬ 3 points per $1 on products and services that are purchased directly from AT&T ⚬ 3 points per $1 on all purchases at online retail and travel sites ⚬ 1 point per $1 on all other purchases

Big spend bonus: 10,000 anniversary bonus points after $10,000 in annual spending

Best Western Rewards Premium Mastercard from First Bankcard

This card offers 20,000 bonus points after $5K cardmember year spend, every year. Since this card already offers 2 points per dollar for all spend, you’ll get 30,000 points each year if you spend exactly $5,000. Best Western free night stays range from 8,000 to 36,000 points per night, so you should have enough for at least one free night at most properties.

Best Western Rewards Premium MasterCard issued by First Bankcard
50K points
50K after $1K spend in 3 billing cycles

No Annual Fee First Year, Then $59


Card Type: Mastercard World

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)

Complete List of all Big Spend Bonuses

Search this table using keywords such as:

  • Elite Status
  • Bonus Points
  • Companion (for companion tickets)
  • Free Night

Also, limit results to your program of interest by searching for “Marriott”, “United”, “SPG”, etc.

Card Offer and Details
CitiBusiness AAdvantage Platinum Select World MasterCard
70K miles
70K after $4K spend in 4 months

No Annual Fee First Year, Then $95

FM Mini Review: This card usually has a great signup bonus, but if you're looking for a card to keep long term, you'll find better options.


Card Type: Mastercard World

Earning rate: ⚬ 2X AA ⚬ 2X certain telecommunications merchants ⚬ 2X car rental merchants ⚬ 2X gas

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

Noteworthy perks: ⚬ First checked bag free ⚬ Priority Boarding ⚬ Reduced mileage awards ⚬ Save 25% on inflight purchases

Virgin Atlantic World Elite Mastercard
75K miles
75K: 20K after first purchase + 50K after $12K spend in 6 months + 5K for adding 2 authorized users

$90 Annual Fee


Card Type: Mastercard World Elite

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

Platinum Delta SkyMiles® Credit Card from American Express
50K miles
50K miles after $1K spend in first 3 months + $100 statement credit after Delta purchase in 1st 3 months. Terms apply.

$195 Annual Fee

FM Mini Review: Good choice for frequent Delta flyers who can make use of annual companion certificate


Card Type: Amex Credit Card

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. Terms apply.

Noteworthy perks: Free domestic economy companion certificate after first year ⚬ Priority boarding ⚬ Free checked bags

See also: An Analysis of the Platinum Delta SkyMiles credit card

Citi AAdvantage Platinum Select World Elite Mastercard
60K miles
60K after $3K spend in 3 months

No Annual Fee First Year, Then $99

FM Mini Review: Excellent choice for a great signup bonus. Plus it offers the usual collection of perks for flying AA (free checked bag, priority boarding, etc.)


Card Type: Mastercard World Elite

Earning rate: ⚬ 2X restaurants ⚬ 2X gas ⚬ 2X AA

Big spend bonus: $100 AA Flight Discount with $20K membership year spend

Noteworthy perks: ⚬ First checked bag free ⚬ Priority Boarding ⚬ Reduced mileage awards ⚬ Save 25% on inflight food and beverage purchases

Chase Southwest Airlines Rapid Rewards® Premier Business Card
60K miles
60K after $3K spend in 3 months

$99 Annual Fee

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

FM Mini Review: Great for signup bonus, but consider cancelling after first year.


Card Type: Visa

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.

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

Chase British Airways Visa Signature® Card
100K Avios
100K:
-50K after $3K spend in 3 months
-Additional 25K after $10K total spend in 1st year, additional 25K more after $20K total spend in 1st year

$95 Annual Fee

FM Mini Review: Good choice for a nice signup bonus. For most people, though, I don't see it as a compelling card to keep past the first year.


Card Type: Visa Signature

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.

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 Iberia Visa Signature® Card
100K Avios
100K:
-50K after $3K spend in 3 months
-Additional 25K after $10K total spend in 1st year and a further 25K after $20K total spend in 1st year

$95 Annual Fee

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

FM Mini Review: Good choice for a nice signup bonus. Unless you fly Iberia often or intend to go for the big spend bonus, though, I don't see it as a compelling card to keep past the first year.


Card Type: Visa Signature

Earning rate: ⚬ 3X Iberia, British Airways, Aer Lingus, LEVEL and OpenSkie ⚬ 1X elsewhere

Big spend bonus: Every calendar year you make $30,000 in purchases on your Iberia Visa card, you’ll earn a discount voucher good for $1,000 to use toward two tickets on the same flight

Noteworthy perks: 10% off on Iberia flights when you use your Iberia Visa to purchase at iberia.com/Chase10

Note: Early reports indicate that this card is not subject to 5/24

Chase Aer Lingus Visa Signature® Card
100K Avios
100K:
-50K after $3K spend in 3 months
-Additional 25K after $10K total spend in 1st year and a further 25K after $20K total spend in 1st year

$95 Annual Fee

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

FM Mini Review: Good choice for a nice signup bonus. Unless you intend to go for the big spend bonus, though, I don't see it as a compelling card to keep past the first year.


Card Type: Visa Signature

Earning rate: ⚬ 3X Aer Lingus, Iberia, British Airways, LEVEL and OpenSkies ⚬ 1X elsewhere

Big spend bonus: Every calendar year you make $30,000 in purchases on your Aer Lingus Visa card, you’ll earn an economy class companion ticket good for 1 year.

Avianca Vuela Visa Card
60K miles
60K after first purchase with promo code LM17WB

$149 Annual Fee


Card Type: Visa Platinum or Signature

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

Chase Hyatt Visa Signature
Up to 45K points
40,000 points + 5K: 40,000 points after $2K spend in 3 months + 5,000 points for adding authorized user

$75 Annual Fee

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

FM Mini Review: Great card for signup bonus. May be worth keeping for annual free night. There are better choices of cards to use for spend.


Card Type: Visa Signature

Earning rate: ⚬ 2X restaurants, airlines, car rentals ⚬ 3X Hyatt

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

Noteworthy perks: ⚬ Discoverist elite status ⚬ Free category 1-4 night every year upon renewal

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.

Platinum Delta SkyMiles® Business Credit Card from American Express
35K miles + 5K MQMs + $100
35K miles + 5K MQMs after $1K spend in first 3 months + $100 statement credit after Delta purchase in 1st 3 months. Terms and limitations apply.

$195 Annual Fee

A better friend-referral offer may be available

Recent better offer: 70K miles + 10K MQMs after $3K spend in first 3 months + $100 statement credit after Delta purchase in 1st 3 months. (Expired 4/11/18)

FM Mini Review: Good choice for frequent Delta flyers who can make use of annual companion certificate


Card Type: Amex Credit Card

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. Terms and limitations apply.

Noteworthy perks: Free domestic economy companion certificate after first year. Priority boarding and free checked bags. Terms and Limitations Apply. See Rates & Fees

See also: An Analysis of the Platinum Delta SkyMiles credit card

The Platinum Card® from American Express Exclusively for Mercedes-Benz
60K points
60K after $5K spend in 3 months. Terms apply.

$550 Annual Fee


Card Type: Amex Charge Card

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

See also: Which is the best Amex Platinum card?

The Platinum Card® from American Express Exclusively for Morgan Stanley

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. Unfortunately you do need to have a Morgan Stanley account to apply.


Card Type: Amex Charge Card

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

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

Noteworthy perks: This card includes all of the great perks that come with the American Express Platinum Card, plus: ⚬ 1 Free Authorized User ⚬ Redeem points for 1 cent each into your Morgage Stanley account ⚬ $550 Annual Engagement Bonus for Reserved Clients

See also: Which is the best Amex Platinum card?

Chase United MileagePlus® Explorer Business
50K miles
50K after $3K spend in 3 months

No Annual Fee First Year, Then $95

Recent better offer: 50K after $2K spend. (Last reported in 4/2016)

FM Mini Review: Decent perks such as enhanced access to United saver level economy awards makes this a keeper for some.


Card Type: Visa Signature

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

Note: You may be targeted for this same offer with a $50 statement credit. Details here.. This card is known to be subject to Chase's 5/24 rule.

Hilton Honors American Express Aspire Card

FM Mini Review: This card is loaded with valuable perks that are more than worth the card's annual fee if you stay in Hilton resorts at least once per year, and other Hilton properties a few times a year..


Card Type: Amex Credit Card

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

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

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

See also: Amex Hilton Aspire In-Depth Review

Chase Marriott Rewards® Premier Plus
100K points
100K after $3K spend in 3 months

$95 Annual Fee


Card Type: Visa Signature

Earning rate: ⚬ 6X Marriott and SPG ⚬ 2X everywhere else

Big spend bonus: Earn Gold status when you spend $35K each year

Noteworthy perks: ⚬ Annual free night certificate for 1 night at a hotel redemption level up to 35K ⚬ Automatic Silver status ⚬ 15 nights of elite credit each year starting in 2019

See also: Current Marriott Rewards Premier cardholders may be eligible for an upgrade offer. Click here to check your offer.

Chase Southwest Airlines Rapid Rewards® Plus Card
40K miles
40K after $1K spend in 3 months

$69 Annual Fee

Recent better offer: 60K after $2K spend in 3 months (Expired 10/9/17)

FM Mini Review: Great for signup bonus, but consider cancelling after first year.


Card Type: Visa Signature or Platinum

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.

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

BOA Amtrak Guest Rewards World Mastercard
20K points
20K after $1K spend in 3 months

$79 Annual Fee

Recent better offer: 30K after $1K spend in 3 months


Card Type: Mastercard World

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

Chase Southwest Airlines Rapid Rewards Premier Credit Card
40K miles
40K after $1K spend in 3 months

$99 Annual Fee

Recent better offer: 60K after $2K spend in 3 months (Expired 10/9/17)

FM Mini Review: Great for signup bonus, but consider cancelling after first year.


Card Type: Visa Signature or Platinum

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.

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

Chase Marriott Rewards® Premier Business
75K points
75K after $3K spend in 3 months

No Annual Fee First Year, Then $99

Recent better offer: 100K after $5K spend. (Last reported 7/2016)


Card Type: Visa Signature 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.⚬

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

JetBlue Business Card
40K miles
40K 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 great choices for JetBlue flyers.


Card Type: Mastercard

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

Barclays JetBlue Plus Mastercard

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.


Card Type: Mastercard World Elite

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

AT&T Access More Card

FM Mini Review: Excellent choice for those who shop often online (thanks to 3X earnings)


Card Type: Mastercard World Elite

Earning rate: ⚬ 3 points per $1 on products and services that are purchased directly from AT&T ⚬ 3 points per $1 on all purchases at online retail and travel sites ⚬ 1 point per $1 on all other purchases

Big spend bonus: 10,000 anniversary bonus points after $10,000 in annual spending

Wells Fargo Visa Signature Card
20K points + 5X
20K for $1K spend in 3 months + 5X points on up to $12,500 in gas, grocery, and drugstore purchases for 6 months.

$0 Annual Fee


Card Type: Visa Signature

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

The Gold Card from American Express
for Ameriprise Financial

Card Type: Amex Charge Card

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

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

Noteworthy perks: ⚬ No foreign transaction fees ⚬ $75 hotel credit on 2+ night stays with the Hotel Collection. Terms & Restrictions Apply. See Rates & Fees

Hilton Honors American Express Business Card
125K points
125K after $5K spend in 3 months

$95 Annual Fee

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

FM Mini Review: Easy way to secure Hilton Gold status (which offers free breakfast among other perks). Amex business cards do not count towards 5/24 status so will not hurt chances of applying for Chase cards.


Card Type: Amex Credit Card

Earning rate: ⚬ 12X Hilton spend ⚬ 6X on Select Business &Travel Purchases ⚬ 3X everywhere else

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

Diamond elite status with $40K calendar year spend

Noteworthy perks: ⚬ Free Gold status. Diamond status w/ $40K spend. ⚬ 10 free Priority Pass lounge visits per calendar year ⚬ Terms Apply. See Rates & Fees

See also: Hilton Amex Cards. Everything you need to know.

BB&T Spectrum Rewards
Up to $1,350
$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.)

$0 Annual Fee


Card Type: Visa

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?

U.S. Bank FlexPerks® Travel Rewards Visa Signature® card
25K points
25K after $2K spend in 4 months

No Annual Fee First Year, Then $49

FM Mini Review: This can be a good choice for a signup bonus, but other cards are more rewarding for spend (although this is a decent choice for uncapped grocery spend). Card may be worth keeping for the Gogo in-flight internet passes.


Card Type: Visa Signature

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

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

Noteworthy perks: ⚬ 12 free Gogo in-flight internet passes each year ⚬ $25 airline fee credit when points are redeemed for flights

Delta Reserve Business Credit Card from American Express
40K miles + 10K MQMs
40K miles + 10K MQMs after $3K spend in the first 3 months. Terms apply.

$450 Annual Fee

Recent better offer: None.

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


Card Type: Amex Credit Card

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. Terms apply.

Noteworthy perks: Free domestic economy or first class companion certificate after first year ⚬ SkyClub access ⚬ Priority boarding ⚬ free checked bags. Terms and limitations apply. See Rates & Fees

See also: An Analysis of the Delta Reserve Credit Card

Delta Reserve Credit Card from American Express

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.


Card Type: Amex Credit Card

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. Terms apply.

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

Chase IHG® Rewards Club Premier Credit Card
Up to 85K points
85K: 80K after $2K spend in 3 months + 5K for adding authorized user

$89 Annual Fee

FM Mini Review: Good signup bonus. Keep only if you value the 40K annual free night and/or 4th night free awards.


Card Type: Mastercard World Elite

Earning rate: ⚬ 10X IHG ⚬ 2X gas, grocery, and restaurants.

Big spend bonus: 10K bonus points after you spend $20K in a cardmember year + make one additional purchase

Noteworthy perks: ⚬ Annual free night e-certificate good at IHG properties up to 40K points per night (for certificates issued after 5/1/18) ⚬ Fourth night free on award stays ⚬ 20% discount on points purchases ⚬ Platinum elite status.

Frontier Airlines World MasterCard®
40K miles
40K after $500 spend in 90 days

$69 Annual Fee


Card Type: Mastercard World

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.

Hilton Honors™ Card from American Express
75K points
75K after $1K spend in 3 months

$0 Annual Fee

Alternate offer: You may find the same offer, but with a $50 statement credit if you go through the steps of booking a Hilton hotel.

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

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


Card Type: Amex Credit Card

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

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

Noteworthy perks: ⚬ Free Silver status; Gold status with $20K spend. ⚬ Terms Apply. See Rates & Fees

See also: Hilton Amex Cards. Everything you need to know.

Hilton Honors Ascend Card from American Express
100K points
100K after $3K spend in 3 months plus a free weekend night after first anniversary. Offer expires 6/27/18. Terms apply.

$95 Annual Fee

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

FM Mini Review: Easy way to secure Hilton Gold status (which offers free breakfast among other perks). Those who want Diamond status may be better off with the Aspire card.


Card Type: Amex Credit Card

Earning rate: ⚬ 12X Hilton spend ⚬ 6X U.S. restaurants, US Supermarkets, and US gas stations ⚬ 3X everywhere else

Big spend bonus:
⚬ Free weekend night after $15K spend in calendar year ⚬ Diamond elite status with $40K calendar year spend ⚬ Terms apply

Noteworthy perks: ⚬Free Gold status. Diamond status w/ $40K spend. ⚬ 10 free Priority Pass lounge visits per calendar year ⚬ Terms Apply. See Rates & Fees

See also: Hilton Amex Cards. Everything you need to know.

Chase Ritz Carlton Rewards Visa Infinite
2 Free Nights + 10K
2 Free Tier 1-4 night stays after $4K spend in first three months + 10K points for adding an authorized user.

$450 Annual Fee

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

FM Mini Review: While the card is pricey, it offers a very nice collection of perks. Great choice for those seeking Marriott elite status.


Card Type: 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.

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

Chase IHG® Rewards Club Traveler Credit Card
Up to 65K points
65K: 60K after $2K spend in 3 months + 5K for adding authorized user

$29 Annual Fee

FM Mini Review: Might be worthwhile for the signup bonus, but otherwise it probably makes more sense to pay $60 more for the annual free night that comes with the Premier.


Card Type: Mastercard World

Earning rate: ⚬ 5X IHG ⚬ 2X gas, grocery, and restaurants

Big spend bonus: Gold status with $10K spend in a calendar year

Noteworthy perks: ⚬ Fourth night free on award stays ⚬ 20% discount on points purchases

Choice Privileges® Visa Signature® Card issued by Barclays
32K points + $25
32K after $1K spend in 90 days + $25 statement credit after first purchase

$0 Annual Fee

Recent better offer: 40K after $1K spend in 90 days (Expired 5/31/17)


Card Type: Visa Signature

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

U.S. Bank FlexPerks® Business Edge Travel Rewards Visa® Card
20K points
20K after $2K spend in 4 months. Employee card spend does not count towards meeting minimum spend

No Annual Fee First Year, Then $55

FM Mini Review: This can be a good choice for a signup bonus, but other cards are more rewarding for spend.


Card Type: Visa Business

Earning rate: ⚬ 2X cell phone ⚬ 2X charity ⚬ 2X gas, office supply, or airline purchases (whichever is most each month).

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

Noteworthy perks: $25 airline fee credit when points are redeemed for flights

Best Western Rewards Premium MasterCard issued by First Bankcard
50K points
50K after $1K spend in 3 billing cycles

No Annual Fee First Year, Then $59


Card Type: Mastercard World

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)

The Hawaiian Airlines® World Elite MasterCard® issued by Barclays
50K miles
50K after $3K spend in 90 days

$89 Annual Fee


Card Type: Mastercard World Elite

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

Radisson Rewards Business Visa Card
85K points
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".


Card Type: Visa Business

Earning rate: ⚬ 10X at CC hotels ⚬ 5X elsewhere.

Big spend bonus: Free night at any US property after each $10K annual spend up to $30K

Noteworthy perks: ⚬ Automatic Gold status ⚬ 40K bonus per year.

See also: Club Carlson rocks our world... Again

Radisson Rewards Premier Visa Signature Card
85K points
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".


Card Type: Visa Signature

Earning rate: ⚬ 10X at CC hotels ⚬ 5X elsewhere.

Big spend bonus: Free night at any US property after each $10K annual spend up to $30K.

Noteworthy perks: ⚬ Automatic Gold status ⚬ 40K bonus per year.

See also: Club Carlson rocks our world... Again

Starwood Preferred Guest® Business Credit Card from American Express
Up to $200
$100 statement credit after $1,000 in purchases in the first 3 months + $100 statement credit after your first purchase at participating SPG and Marriott hotels.

No Annual Fee First Year, Then $95

Recent better offer: 35K after $7K spend in first 3 months (Expired 3/28/18)

FM Mini Review: Extremely valuable points, but difficult to earn in large quantities except through signup bonus


Card Type: Amex Credit Card

Earning rate: 2X Starwood and Marriott Properties through July 31, 2018 ⚬ Effective August 1, 2018: Earn 6x at Starwood and Marriott properties; 4x U.S. restaurants, U.S. gas stations, wireless telephone services purchased from U.S. suppliers and on U.S. purchases for shipping; Earn 2x everyhwere else

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 until August 1, 2018 ⚬ Complimentary Sheraton Club lounge access will no longer be a benefit starting August 1, 2018.

Note: Terms Apply. See Rates & Fees

The Hawaiian Airlines® Business MasterCard® issued by Barclays
35K miles
35K after first purchase

$89 Annual Fee


Card Type: Mastercard World Elite

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

Starwood Preferred Guest® Credit Card from American Express
Up to $200
$100 after spending $1,000 in the first 3 months + $100 statement credit after first SPG / Marriott purchase in 3 months

No Annual Fee First Year, Then $95

FM Mini Review: Extremely valuable points, but difficult to earn in large quantities except through signup bonus


Card Type: Amex Credit Card

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.

Note: Terms Apply. See Rates & Fees

Platinum Card® from American Express for Ameriprise Financial
Free First Year
No first year annual fee for you and up to 3 authorized cardholders

No Annual Fee First Year, Then $550

FM Mini Review: First year with no fee makes this card worth considering for almost everyone.


Card Type: Amex Charge Card

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

See also: Which is the best Amex Platinum card?

Citi AAdvantage® Executive World Elite MasterCard®
50K miles
50K after $5K spend in 3 months

$450 Annual Fee

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

FM Mini Review: Excellent choice for those who need Admirals Club access (included for both the primary member and authorized users). Heavy spenders who are short of the miles necessary for status can earn 10K elite qualifying miles with $40K spend. Plus, it offers the usual collection of perks for flying AA (free checked bag, priority boarding, etc.).


Card Type: Mastercard World Elite

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

The Morgan Stanley Credit Card from American Express

FM Mini Review: Decent no-fee card thanks to its 2X category bonuses, but you do need to have a Morgan Stanley account to apply.


Card Type: Amex Charge Card

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)

Virgin Atlantic White Card
15K miles
15K: 12,500 miles after first purchase + 2,500 miles for adding 1 authorized user

$49 Annual Fee

Recent better offer: None


Card Type: Mastercard World Elite

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;

BBVA Compass Select
20K points
20K after $2K spend in 90 days

No Annual Fee First Year, Then $125


Card Type: Visa Signature

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

Virgin America Premium Visa Signature
15K miles
15K after $1K spend in 90 days

$149 Annual Fee


Card Type: 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

Radisson Rewards Visa Signature Card
60K points
60K: 50K after first purchase + 10K 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".


Card Type: Visa Signature

Earning rate: ⚬ 6X at CC hotels ⚬ 3X elsewhere

Big spend bonus: Free night at any US property after each $10K annual spend up to $30K.

Noteworthy perks: ⚬ Automatic Silver status ⚬ 25K bonus per year.

See also: Club Carlson rocks our world... Again

Korean Air SKYPASS Select Visa issued by US Bank
30K miles
30K miles after $3K spend in 90 days

$450 Annual Fee

FM Mini Review: This is a very weak offer considering the hefty annual fee.


Card Type: Visa Signature

Earning rate: 2X Korean Air ⚬ 2X other airline, hotel, and car rental

Big spend bonus: 10K miles on anniversary with $35K in purchases

Noteworthy perks: 2 Korean Air VIP Lounge coupons each year ⚬ $100 Global Entry / TSA Pre-Check credit ⚬ Discount coupon for $100 off Korean Air ticket ⚬ Two $25 coupons for Korean Air in-flight duty free purchases

Citi® Expedia+ Credit Card
15K points
15K after $1K spend in 3 months

$0 Annual Fee


Card Type: Mastercard World

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

Citi® Expedia®+ Voyager Card
25K points
25K after $2K spend in 3 months

$95 Annual Fee


Card Type: Mastercard World

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

Chase Marriott Rewards® Premier

Card Type: Visa Signature

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

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.)

Barclays Arrival Premier® World Elite Mastercard®

None.

$150 Annual Fee

FM Mini Review: This card is best for earning JAL miles, which can be very valuable. If you spend exactly $15K or $25K per year, you can earn an effective 1.76 Japan Airlines miles per dollar or 2.14 miles per dollar with other transfer partners. Points can alternatively be redeemed for 1 cent each towards travel.


Card Type: Mastercard World Elite

Earning rate: 2X Miles on all purchases

Big spend bonus: 15K bonus miles after $15K spend; 10K additional bonus miles after additional $10K spend

Noteworthy perks: ⚬ Chip wth PIN capability ⚬ $100 Global Entry credit once every 5 years ⚬ Lounge Key access (pay $27 per lounge visit) ⚬ Transfer to most airline partners 1.4 Arrival to 1 airline mile (or 1.7 Arrival to 1 Japan Airlines or Air Canada Aeroplan mile).
See Rates & Fees

See also: Barclays Arrival Premier Complete Guide

AAdvantage® AviatorTM Silver World Elite MasterCard®

This card is currently available by invitation only.

$195 Annual Fee


Card Type: Mastercard World Elite

Earning rate: ⚬ 3X AA ⚬ 2X hotel and car rentals ⚬ 1X everywhere else

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

Noteworthy perks: ⚬ First checked bag free ⚬ Priority Boarding ⚬ 10% rebate on AA awards (up to 10K per year) ⚬ Reduced mileage awards ⚬ $100 Global Entry application fee credit ⚬ 25% off in-flight purchases

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10 Comments on "Best Big Spend Bonuses"

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[…] forget to add your My Best Buy number during checkout), meet a minimum spend requirement, or grab a Big Spend Bonus. We still don’t know how Amex will view promotions like this now that the war on gaming has […]

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[…] Furthermore, the Platinum cards can help you towards Delta status by earning MQMs by hitting a Big Spend Bonus. If you haven’t had any of these cards before, this is a last call before these offers […]

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[…] These discounted iTunes gift cards can be a great way to save a few bucks on movies/music/TV shows downloaded for use during your travels or even to pay for some subscription services like Netflix if you sign up through an iTunes account. Additionally, depending on your reselling methods & relationships, these cards could be a break-even or better proposition, enabling you to earn some easy miles or spend towards a Big Spend Bonus. […]

Ymb
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You missed the Merrill+ card bonus for spending $50k

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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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[…] New Big Spend Bonus on the Radisson Rewards Visa cards: upon renewal, earn one free night with each $10K in net spend up to $30K net spend (3 free nights max) […]

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[…] bonus to rival the Chase British Airways Visa Signature card and a $1,000 flight discount as a Big Spend Bonus that might make it more interesting. Early reports indicate that it is not subject to the Chase […]

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[…] $20K in purchases is nice if you are already spending $20K on an AA card, but is a relatively weak Big Spend Bonus. It must be used on itineraries that originate in the US, Puerto Rico, or the US Virgin Islands, […]

TomT
Guest

Please add the following big spend bonus for the Barclay AA Aviator Business card:

Companion certificate good for 1 guest at $99, issued each year after your account anniversary when you spend $30,000 or more on eligible purchases (taxes and fees apply)

Source: https://cards.barclaycardus.com/cards/aadvantage-aviator-business-mastercard.html

TomT
Guest

Please add the following big spend bonus for the Chase Iberia card:
Discount voucher good for discount of $1,000 when purchasing two tickets for the same flight in the same class of travel, departing from and returning to the U.S earned every year you make purchases of $30,000 on your Iberia card. The discount voucher is good for 12 months.

Source: https://www.chase.com/personal/credit-cards/iberia/travel-benefits/discounts