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, Barclaycard, 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!

CardBig Spend BonusWelcome BonusAnnual Fee
Chase Ritz Carlton Rewards Visa Infinite Chase Ritz Carlton Rewards Visa Infinite$10K spend per account year to keep Gold elite status; $75K spend per account year for Platinum elite status2 Free Tier 1-4 night stays after $4K spend in first three months + 10K points for adding an authorized user.$450 annual fee

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.

CardBig Spend BonusWelcome BonusAnnual Fee
Delta Reserve Business Credit Card from American Express Delta Reserve Business Credit Card from American ExpressEarn 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.40K miles + 10K MQMs after $3K spend in the first 3 months. Terms apply.$450 annual fee
Delta Reserve Credit Card from American Express Delta Reserve Credit Card from American Express
Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
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.40K miles + 10K MQMs after $3,000 spend in the first 3 months. Terms apply.$450 annual fee
Platinum Delta SkyMiles® Business Credit Card from American Express Platinum Delta SkyMiles® Business Credit Card from American ExpressEarn 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.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
Platinum Delta SkyMiles® Credit Card from American Express Platinum Delta SkyMiles® Credit Card from American Express
The affiliate offer for this card has expired and it is temporarily unavailable through Frequent Miler
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.35K miles + 5K MQMs after $1K spend in first 3 months + $100 statement credit after Delta purchase in 1st 3 months. Terms apply.$195 annual fee

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.

CardBig Spend BonusWelcome BonusAnnual Fee
Barclays JetBlue Plus Mastercard Barclays JetBlue Plus Mastercard
Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earn Mosaic elite status with $50,000 calendar year spend. Mosaic status good for rest of calendar year and all of next year.40K after $1K spend in 90 days$99 annual fee
JetBlue Business Card JetBlue Business CardEarn Mosaic elite status with $50,000 calendar year spend. Mosaic status good for rest of calendar year and all of next year.30K after $1K spend in 90 days$99 annual fee

Hilton Honors Ascend Card from American Express

Earn top tier Diamond status with $40K spend.

CardBig Spend BonusWelcome BonusAnnual Fee
Hilton Honors Ascend Card from American Express Hilton Honors Ascend Card from American Express
Free weekend night after $15K spend in calendar year

Diamond elite status with $40K calendar year spend

Terms apply.
100K: 75K after $2K spend in 3 months plus 25K after additional $1K spend in first 6 months.Terms apply.$95 annual fee

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.

CardBig Spend BonusWelcome BonusAnnual Fee
Chase Southwest Airlines Rapid Rewards Premier Credit Card Chase Southwest Airlines Rapid Rewards Premier Credit CardIf 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
40K after $1K spend in 3 months$99 annual fee
Chase Southwest Airlines Rapid Rewards® Plus Card Chase Southwest Airlines Rapid Rewards® Plus CardIf 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
40K after $1K spend in 3 months$69 annual fee
Chase Southwest Airlines Rapid Rewards® Premier Business Card Chase Southwest Airlines Rapid Rewards® Premier Business CardIf 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
60K after $3K spend in 3 months$99 annual fee

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.

CardBig Spend BonusWelcome BonusAnnual Fee
Club Carlson Business Rewards Visa issued by US Bank Club Carlson Business Rewards Visa issued by US BankFree night at any US property after each $10K annual spend up to $30K85K: 50K after first purchase + 35K after $2.5K spend in 3 months$60 annual fee
Club Carlson Premier Rewards Visa Signature issued by US Bank Club Carlson Premier Rewards Visa Signature issued by US BankFree night at any US property after each $10K annual spend up to $30K.85K: 50K after first purchase + 35K after $2.5K spend in 3 months$75 annual fee

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.

CardBig Spend BonusWelcome BonusAnnual Fee
BOA Amtrak Guest Rewards World Mastercard BOA Amtrak Guest Rewards World MastercardEarn 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.20K after $1K spend in 3 months$79 annual fee

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).

CardBig Spend BonusWelcome BonusAnnual Fee
AT&T Access More Card AT&T Access More Card
This card is no longer available to new applicants BUT it is still possible to product change from other Citi cards
10,000 anniversary bonus points after $10,000 in annual spendingFree phone, up to $650, after $2K spend in 3 months$95 annual fee

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.

CardBig Spend BonusWelcome BonusAnnual Fee
Best Western Rewards Premium MasterCard issued by First Bankcard Best Western Rewards Premium MasterCard issued by First Bankcard20K bonus points when you spend at least $5,000 during each 12 billing cycle period50K after $1K spend in 3 billing cyclesAnnual fee waived first year, then $59

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.

CardBig Spend BonusBank Name
Delta Reserve Business Credit Card from American Express Delta Reserve Business Credit Card from American ExpressEarn 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.Amex
Delta Reserve Credit Card from American Express Delta Reserve Credit Card from American Express
Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
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.Amex
Hilton Honors American Express Aspire Card Hilton Honors American Express Aspire Card
Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Second free weekend night after $60K spend in calendar yearAmex
Hilton Honors American Express Business Card Hilton Honors American Express Business Card
Free weekend night after $15K spend in calendar year and another after $60K spend

Diamond elite status with $40K calendar year spend
Amex
Hilton Honors Ascend Card from American Express Hilton Honors Ascend Card from American Express
Free weekend night after $15K spend in calendar year

Diamond elite status with $40K calendar year spend

Terms apply.
Amex
Hilton Honors™ Card from American Express Hilton Honors™ Card from American Express
Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Gold elite status with $20K calendar year spendAmex
Platinum Card® from American Express for Ameriprise Financial Platinum Card® from American Express for Ameriprise Financial
Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
5K bonus points for every $20K spend, up to 30K bonus points annuallyAmex
Platinum Delta SkyMiles® Business Credit Card from American Express Platinum Delta SkyMiles® Business Credit Card from American ExpressEarn 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.Amex
Platinum Delta SkyMiles® Credit Card from American Express Platinum Delta SkyMiles® Credit Card from American Express
The affiliate offer for this card has expired and it is temporarily unavailable through Frequent Miler
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.Amex
Starwood Preferred Guest® Business Credit Card from American Express Starwood Preferred Guest® Business Credit Card from American ExpressSPG Gold elite status with $30K annual spendAmex
Starwood Preferred Guest® Credit Card from American Express Starwood Preferred Guest® Credit Card from American ExpressSPG Gold elite status with $30K annual spendAmex
The Gold Card from American Express <br />
for Ameriprise Financial The Gold Card from American Express
for Ameriprise Financial

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
2500 bonus points for every $10K spend, up to 20K bonus points annuallyAmex
The Morgan Stanley Credit Card from American Express The Morgan Stanley Credit Card from American Express
Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
$100 after $25K card membership year spendAmex
The Platinum Card® from American Express Exclusively for Mercedes-Benz The Platinum Card® from American Express Exclusively for Mercedes-Benz
Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Receive a $1000 certificate each year you charge $5,000 in purchases, good toward the future purchase or lease of a new Mercedes-BenzAmex
The Platinum Card® from American Express Exclusively for Morgan Stanley The Platinum Card® from American Express Exclusively for Morgan Stanley
Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
$500 after $100K cardmember year spendAmex
AAdvantage® AviatorTM Silver World Elite MasterCard® AAdvantage® AviatorTM Silver World Elite MasterCard®Earn $3,000 EQDs after spending $25K and another $3,000 EQDs after $50K of spend.Barclays
Barclays Arrival Premier® World Elite Mastercard® Barclays Arrival Premier® World Elite Mastercard®15K bonus miles after $15K spend; 10K additional bonus miles after additional $10K spendBarclays
Barclays JetBlue Plus Mastercard Barclays JetBlue Plus Mastercard
Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earn Mosaic elite status with $50,000 calendar year spend. Mosaic status good for rest of calendar year and all of next year.Barclays
Choice Privileges® Visa Signature® Card issued by Barclaycard Choice Privileges® Visa Signature® Card issued by BarclaycardEarn 8,000 annual bonus points after $10,000 in annual spendBarclays
Frontier Airlines World MasterCard® Frontier Airlines World MasterCard®$100 discount voucher after $2,500 in annual spend.

Barclays
JetBlue Business Card JetBlue Business CardEarn Mosaic elite status with $50,000 calendar year spend. Mosaic status good for rest of calendar year and all of next year.Barclays
The Hawaiian Airlines® Business MasterCard® issued by Barclaycard The Hawaiian Airlines® Business MasterCard® issued by BarclaycardEarn up to 40,000 annual bonus miles — 20k miles with $50-$99k annual spend or 40k miles with $100k or more annual spend; Barclays
The Hawaiian Airlines® World Elite MasterCard® issued by Barclaycard The Hawaiian Airlines® World Elite MasterCard® issued by BarclaycardEarn 5,000 annual bonus miles after $10,000 in annual spendBarclays
BOA Amtrak Guest Rewards World Mastercard BOA Amtrak Guest Rewards World MastercardEarn 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.BOA
Virgin Atlantic White Card Virgin Atlantic White Card2,500 bonus points with $5K cardmember year spend + an additional 5,000 points with $15K cardmember year spend; BOA
Virgin Atlantic World Elite Mastercard Virgin Atlantic World Elite Mastercard7,500 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).BOA
Chase Aer Lingus Visa Signature® Card Chase Aer Lingus Visa Signature® CardEvery 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.Chase
Chase British Airways Visa Signature® Card Chase British Airways Visa Signature® CardEvery 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. Chase
Chase Hyatt Visa Signature Chase Hyatt Visa SignatureSpend $50K in calendar year to get mid-tier Explorer statusChase
Chase Iberia Visa Signature® Card Chase Iberia Visa Signature® CardEvery 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 flightChase
Chase IHG® Rewards Club Premier Credit Card Chase IHG® Rewards Club Premier Credit Card
10K bonus points after you spend $20K in a cardmember year + make one additional purchase
Chase
Chase IHG® Rewards Club Traveler Credit Card Chase IHG® Rewards Club Traveler Credit Card
Gold status with $10K spend in a calendar year
Chase
Chase Marriott Rewards® Premier Chase Marriott Rewards® Premier1 credit towards elite status for every $3,000 in purchasesChase
Chase Marriott Rewards® Premier Business Chase Marriott Rewards® Premier Business
* 1 credit towards elite status for every $3,000 in purchases
* Automatic Gold status with $50K spend per account year.*
Chase
Chase Ritz Carlton Rewards Visa Infinite Chase Ritz Carlton Rewards Visa Infinite$10K spend per account year to keep Gold elite status; $75K spend per account year for Platinum elite statusChase
Chase Southwest Airlines Rapid Rewards Premier Credit Card Chase Southwest Airlines Rapid Rewards Premier Credit CardIf 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
Chase
Chase Southwest Airlines Rapid Rewards® Plus Card Chase Southwest Airlines Rapid Rewards® Plus CardIf 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
Chase
Chase Southwest Airlines Rapid Rewards® Premier Business Card Chase Southwest Airlines Rapid Rewards® Premier Business CardIf 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
Chase
Chase United MileagePlus® Explorer Business Chase United MileagePlus® Explorer Business10K bonus miles after $25K calendar year spendChase
Chase United MileagePlus® Explorer Card Chase United MileagePlus® Explorer Card10K bonus miles after $25K calendar year spendChase
AT&T Access More Card AT&T Access More Card
This card is no longer available to new applicants BUT it is still possible to product change from other Citi cards
10,000 anniversary bonus points after $10,000 in annual spendingCiti
Citi AAdvantage® Executive World Elite MasterCard® Citi AAdvantage® Executive World Elite MasterCard®10K Elite Qualifying Miles towards elite status when you spend $40K in calendar yearCiti
CitiBusiness AAdvantage Platinum Select World MasterCard CitiBusiness AAdvantage Platinum Select World MasterCardEarn $99 plus taxes domestic companion certificate after $30K spendCiti
Citi® Expedia+ Credit Card Citi® Expedia+ Credit CardOne elite night towards Gold status for each $2.5K in spend each yearCiti
Citi® Expedia®+ Voyager Card Citi® Expedia®+ Voyager Card5K anniversary bonus with $10K annual spend.Citi
Avianca Vuela Visa Card Avianca Vuela Visa Card
- 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.
Other
BB&T Spectrum Rewards BB&T Spectrum RewardsEarn a 30% bonus on cash earned when spending $50K or more annuallyOther
BBVA Compass Select BBVA Compass Select$100 Orbitz Travel Card after $20,000 spend; Earn 1,000 bonus points each month in which you spend $5,000 or more.Other
Best Western Rewards Premium MasterCard issued by First Bankcard Best Western Rewards Premium MasterCard issued by First Bankcard20K bonus points when you spend at least $5,000 during each 12 billing cycle periodOther
Virgin America Premium Visa Signature Virgin America Premium Visa SignatureReceive 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
Other
Club Carlson Business Rewards Visa issued by US Bank Club Carlson Business Rewards Visa issued by US BankFree night at any US property after each $10K annual spend up to $30KUSB
Club Carlson Premier Rewards Visa Signature issued by US Bank Club Carlson Premier Rewards Visa Signature issued by US BankFree night at any US property after each $10K annual spend up to $30K.USB
Club Carlson Rewards Visa Signature issued by US Bank Club Carlson Rewards Visa Signature issued by US BankFree night at any US property after each $10K annual spend up to $30K.USB
U.S. Bank FlexPerks® Business Edge Travel Rewards Visa® Card U.S. Bank FlexPerks® Business Edge Travel Rewards Visa® Card$55 credit with $24K spend per cardmember yearUSB
U.S. Bank FlexPerks® Travel Rewards Visa Signature® card U.S. Bank FlexPerks® Travel Rewards Visa Signature® card3,500 bonus points with $24K spend per cardmember yearUSB
Wells Fargo Visa Signature Card Wells Fargo Visa Signature CardWith $50K spend, points become worth 1.75 cents each towards airfareWells

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8 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. […]

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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, […]