Best cards to use with Plastiq’s 1.5% Mastercard promo

Update: The promotion for which this post was based was an error which has now been fixed.  The promo was intended only for a specific set of targeted users in Canada for Plastiq’s tax season campaign.


Plastiq is a service that lets you pay almost any bill with a credit card (read our complete guide here).  Plastiq usually charges 2.5%, but they are currently running an unadvertised promotion where they charge only 1.5% for payments made with Mastercard credit cards.  As long as you have a Mastercard that earns better than 1.5%, this can be a great way to pay your rent or mortgage, make tax payments, pay contractors, etc.

In this post, I’ve listed the best Mastercard credit cards to use for Plastiq bill payments in four categories: retention offers, signup offers, base spend (e.g. which Mastercards earn the best rewards for everyday spend), and big spend bonuses.  In all of these cases, Plastiq can be a great way to increase spend in order to earn more points.

In addition to looking at the best picks from each list below, it’s interesting to note where multiple lists overlap.  For example, the Virgin Atlantic Mastercard offers good value for spend (1.5X miles per dollar), but also offers bonuses with high spend: 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).  Similarly, the CitiBusiness AAdvantage card currently has the top Mastercard signup offer, but also offers a big spend bonus: get a domestic companion ticket with $30K spend.

Ultimately, the best choice for you depends on which cards you currently have and whether or not you want to apply for new ones.

Best Mastercard retention offers

Most Citi credit cards are Mastercards.  If you have any, it’s worth calling Citibank occasionally to tell an agent (not the computer!) that you want to cancel your card.  You may then be given offers to encourage you to keep your card.  A common retention offer for cards that earn ThankYou points is for 2 extra points per dollar, with a maximum of 35K bonus points.

Other Mastercard issuers may have good retention offers too, so it may be worth calling them as well.

Best Mastercard signup offers

The following list shows the best signup offers for Mastercard credit cards sorted with best estimated first year value on top:

Card Offer
Virgin Atlantic World Elite Mastercard
Up to 65K miles
60K after $2K spend in first 90 days + 5K for adding 2 authorized users

$90 Annual Fee

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.

Recent better offer: 75K: 20K after first purchase + 50K after $12K in 6 months + 5K for adding 2 authorized users

JetBlue Business Card
Up to 60K miles
Up to 60K: 50K after $1K spend in 90 days and earn 10K after a purchase is made on an employee card

$99 Annual Fee

AAdvantage Aviator Red World Elite MasterCard
60K miles + Companion Certificate
60k miles + introductory companion certificate (pay $99 + taxes for the companion) after 1st purchase within 90 days and payment of the $99 AF

$99 Annual Fee

AAdvantage® AviatorTM Business MasterCard®
Up to 60K miles
Up to 60K miles: 50k miles after $1K in purchases within 90 days and 10K miles when a purchase is made on an employee card that is added to the account at the time of application or within 30 days of the account open date

$95 Annual Fee

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.

Recent better offer: Up to 75K miles: 65k miles after $1K in purchases within 90 days and 10K miles when a purchase is made on an employee card that is added to the account at the time of application or within 30 days of the account open date

Lufthansa Miles & More® Premier World MasterCard® issued by Barclays
Up to 75K miles
Up to 75K miles: 50K after $3K spend in 90 days + 25K miles after $20K spend in first year

$89 Annual Fee

The Hawaiian Airlines® World Elite MasterCard® issued by Barclays
Up to 75K miles
50K after $2K spend in 90 days + 25K after $6K total in first 12 months

$99 Annual Fee

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.

Alternate offer: You may be able to get 60K miles after 1st purchase via paper application distributed in-flight.

The Hawaiian Airlines® Business MasterCard® issued by Barclays
Up to 60K miles
50K after $1K in the first 90 days + 10K after a purchase is made on an employee card

$99 Annual Fee

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.

Recent better offer: 60K after $1K in the first 90 days + 10K after first purchase on an employee card [Expired 8/19]

Capital One® Savor® Cash Rewards Credit Card
$300 Cash Back
Earn a one time bonus: $300 after $3K spend in 3 months from account opening

No Annual Fee First Year, Then $95

American Airlines AAdvanage MileUp Card
10K miles + $50
Earn 10K AA miles + $50 statement credit after $500 spend in 3 months

$0 Annual Fee

Capital One® SavorOne® Cash Rewards Credit Card
$150 Cash Back
One time bonus: $150 after $500 spend in 3 months from account opening

$0 Annual Fee

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

$450 Annual Fee

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

Citi Rewards+ Student Card
2.5K points
2.5K after $500 spend in 3 months

$0 Annual Fee

Citi Double Cash Card

Recent better offer: None

Best Mastercard credit cards for Plastiq (base) spend

Card Info Name and Earning Rate (no offer)
Citi Double Cash Card
Base
Earning rate:
BOA Business Advantage Travel Rewards World Mastercard (with Platinum Honors Business Advantage Relationship Rewards)
Base
2.625X
(2.63%)
Travel
5.25X
(5.25%)
Earning rate: With Platinum Honors status with Bank of America's Business Advantage Relationship Rewards program, this card earns: 2.625X points for all spend (and 5.25X for travel purchased through BOA's travel center)
BOA Amtrak Guest Rewards Platinum Mastercard
Base
Brand
Earning rate: ⚬ 2X Amtrak ⚬ 1X elsewhere
BOA Amtrak Guest Rewards World Mastercard
Base
Travel
Brand
Earning rate: ⚬ 3X Amtrak ⚬ 2X qualifying travel ⚬ 1X elsewhere
Barclays Arrival® Premier World Elite Mastercard®
Base
Earning rate: 2X Miles on all purchases
Barclaycard Arrival Plus® World Elite Mastercard®
Base
Earning rate: 2X Miles on all purchases
Paypal Cashback Mastercard
Base
2%
Earning rate: 2% cash back everywhere
Virgin Atlantic World Elite Mastercard
Base
Earning rate: 1.5X everywhere
Air France KLM World Elite Mastercard
Base
Brand
Earning rate: 3X on Air France, KLM, and SkyTeam purchases ⚬ 1.5X everywhere else
Bank of America Cash Rewards (with Platinum Honors Preferred Rewards)
Base
1.75%
Travel
5.25%
Dine
5.25%
Gas
5.25%
Grocery
3.5%
Shop
5.25%
Other
5.25%
Earning rate: With Platinum Honors status with Bank of America's Preferred Rewards program, earn: 3.5% at grocery stores and wholesale clubs and 5.25% on gas up to the first $2,500 in combined purchases each quarter
Bank of America Business Advantage Cash Rewards Mastercard (with Platinum Honors Business Advantage Relationship Rewards)
Base
1.75%
Travel
5.25%
Dine
3.5%
Gas
5.25%
Phone
5.25%
Office
5.25%
Biz
5.25%
Earning rate: With Platinum Honors status with Bank of America's Business Advantage Relationship Rewards program, this card earns: 3.5% on dining plus 5.25% on 1 choice from: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services (for the first $50,000 in combined choice/dining purchases each calendar year, 1.75% thereafter) and 1.75% everywhere else.
Barclaycard CashForward
Base
1.5X
(1.5%)
Earning rate: 1.5% everywhere
BOA Business Advantage Travel Rewards World Mastercard
Base
1.5X
(1.5%)
Travel
Earning rate: 1.5X everywhere; 3X for travel booked through BOA's travel center
AT&T Access More Card
Base
Travel
Shop
Brand
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
Citi Rewards+ Student Card
Base
Gas
Grocery
Earning rate: 2X at supermarkets and gas stations on up to $6,000 per year ⚬ Round up to nearest 10 TY points on all purchases
Citi Rewards+ Card
Base
Gas
Grocery
Earning rate: 2X at supermarkets and gas stations on up to $6,000 per year ⚬ Round up to nearest 10 TY points on all purchases
Citi ThankYou Preferred Card
Base
Dine
Other
Earning rate: 2X dining and entertainment
Citi Premier Card
Base
Travel
Dine
Gas
Other
Earning rate: ⚬ 3X travel and gas ⚬ 2X dining and entertainment
Citi ThankYou Prestige Card
Base
Travel
Dine
Earning rate: 5X airfare, dining, and travel agencies ⚬ 3X hotels and cruise line ⚬ 1X everywhere else
Citi Business ThankYou Card
Base
Other
Earning rate: 3X rotating quarterly categories
AT&T Access Card
Base
Travel
Shop
Brand
Earning rate: ⚬ 2 points per $1 on products and services that are purchased directly from AT&T ⚬ 2 points per $1 on all purchases at online retail and travel sites ⚬ 1 point per $1 on all other purchases
Barclays JetBlue Plus Mastercard
Base
Dine
Grocery
Brand
Earning rate: ⚬ 2X restaurants and grocery ⚬ 6X JetBlue ⚬ 1X everywhere else
JetBlue Card
Base
Dine
Grocery
Brand
Earning rate: ⚬ 2X restaurants and grocery ⚬ 3X JetBlue ⚬ 1X everywhere else⚬
JetBlue Business Card
Base
Dine
Office
Brand
Earning rate: ⚬ 2X restaurants and office supply stores ⚬ 6X JetBlue ⚬ 1X everywhere else
Citi AAdvantage Platinum Select World Elite Mastercard
Base
Dine
Gas
Brand
Earning rate: 2X restaurants ⚬ 2X gas ⚬ 2X AA
AAdvantage® AviatorTM Business MasterCard®
Base
Travel
Phone
Office
Earning rate: ⚬ 2X AA, office supply, telecommunications services, and at car rental agencies ⚬ 1X everywhere else
American Airlines AAdvanage MileUp Card
Base
Grocery
Brand
Earning rate: 2X grocery ⚬ 2X AA ⚬ 1X everywhere else
Virgin Atlantic White Card
Base
Brand
Earning rate: ⚬ 3X Virgin Atlantic ⚬ 1X elsewhere
AAdvantage Aviator Red World Elite MasterCard
Base
Brand
Earning rate: ⚬ 2X AA ⚬ 1X everywhere else
AAdvantage® AviatorTM Silver World Elite MasterCard®
Base
Travel
Brand
Earning rate: ⚬ 3X AA ⚬ 2X hotel and car rentals ⚬ 1X everywhere else
CitiBusiness AAdvantage Platinum Select World MasterCard
Base
Travel
Gas
Phone
Brand
Earning rate: ⚬ 2X AA ⚬ 2X certain telecommunications merchants ⚬ 2X car rental merchants ⚬ 2X gas
Best Western Rewards Premium MasterCard issued by First Bankcard
Base
Brand
Earning rate: 10X at Best Western properties ⚬ 2X elsewhere
Barclays Arrival™ World MasterCard®
Base
Travel
Dine
Earning rate: ⚬ 2X Miles for travel and dining ⚬ 1X everywhere else
Huntington Voice
Base
Travel
Dine
Gas
Grocery
Shop
Office
Biz
Other
Earning rate: 3% cash back on up to $2K in spend in the category you choose each quarter: gas stations, travel & entertainment, restaurants, discount & warehouse stores, grocery stores, utilities & office supply stores, electronics and computer and camera stores, department and apparel and sporting good stores, auto parts & service, and home improvement stores
Bank of America Cash Rewards
Base
1%
Travel
3%
Dine
3%
Gas
3%
Grocery
2%
Shop
3%
Other
3%
Earning rate: 3% back on your choice of the following: gas, online shopping, dining, travel, drugstores, home improvement & furnings (can choose a new category monthly). ⚬ 2% back at grocery stores & wholesale clubs ⚬ 1% back everywhere else. 2% and 3% rewards are capped at $2500 in combined purchases per quarter
Major League Baseball®
BankAmericard Cash Rewards™ MasterCard® credit card
Base
1%
Grocery
2%
Shop
2%
Earning rate: 2% at grocery stores and wholesale clubs; and 3% on gas up to the first $2,500 in combined purchases each quarter
Bank of America Business Advantage Cash Rewards Mastercard
Base
1%
Travel
3%
Dine
2%
Gas
3%
Phone
3%
Office
3%
Biz
3%
Earning rate: 2% on dining plus 3% on 1 choice from: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services (for the first $50,000 in combined choice/dining purchases each calendar year, 1% thereafter) and 1% everywhere else.
Upromise World MasterCard® issued by Barclays
Base
1%
Shop
2%
Brand
5%
Other
2%
Earning rate: ⚬ 5% cash back on eligible Online Shopping through Upromise.com (in addition to portal cash back) ⚬ 2% cash back at eligible in-store department stores and movie theaters ⚬ 1% cash back on all other purchases
Marvel MasterCard from Synchrony
Base
1%
Brand
3%
Other
3%
Earning rate: ⚬ 3% cash back for dining, select entertainment, and Marvel purchases
(Select entertainment = Movie Theatres, Video Rental and Game Stores, Theatrical and Concert Promoters, Amusement Parks, Digital Entertainment, Games and Software, Music, Books and Newsstands, Toys and Hobby Stores)
Capital One® SavorOne® Cash Rewards Credit Card
Base
1%
Dine
3%
Grocery
2%
Earning rate: ⚬ 3% on dining ⚬ 2% on purchases at grocery stores ⚬ 1% everywhere else
Capital One® Savor® Cash Rewards Credit Card
Base
1%
Dine
4%
Grocery
2%
Other
4%
Earning rate: 4% cash back on dining and entertainment ⚬ 2% at grocery stores ⚬ 8% back on tickets at Vivid Seats through May 2020 ⚬ 1% everywhere else
Citi Dividend Platinum Select
Base
1%
Other
5%
Earning rate: 5X on rotating categories each quarter. 5% limited to $6K spend per year. 2019 Q2 = Grug Stores & Fitness Clubs
Frontier Airlines World MasterCard®
Base
Dine
Brand
Earning rate: 5X at FlyFrontier.com ⚬ 3X restaurants
The Hawaiian Airlines® Business MasterCard® issued by Barclays
Base
Dine
Gas
Office
Brand
Earning rate: 3X Hawaiian Airlines ⚬ 2x gas, dining, and office supply stores ⚬ 1x everywhere else
The Hawaiian Airlines® World Elite MasterCard® issued by Barclays
Base
Dine
Gas
Grocery
Brand
Earning rate: 3X Hawaiian Airlines ⚬ 2x gas, dining, and grocery stores ⚬ 1x everywhere else
Sonesta World Mastercard
Base
Travel
Brand
Earning rate: 2X airfare, car rental and dining ⚬ 3X Sonesta
Citi® Expedia®+ Voyager Card
Base
Brand
Earning rate: 4X Expedia purchases
Citi® Expedia+ Credit Card
Base
Brand
Earning rate: 3X Expedia purchases
Chase IHG® Rewards Club Traveler Credit Card
Base
Dine
Gas
Grocery
Brand
Earning rate: ⚬ 5X IHG ⚬ 2X gas, grocery, and restaurants
Chase IHG® Rewards Club Select Credit Card
Base
Dine
Gas
Grocery
Brand
Earning rate: ⚬ 5X IHG ⚬ 2X gas, grocery, and restaurants
Chase IHG® Rewards Club Premier Credit Card
Base
Dine
Gas
Grocery
Brand
Earning rate: 25x at IHG properties and 4x everywhere total for the first year, then: ⚬ 10X IHG ⚬ 2X gas, grocery, and restaurants.

Mastercard big-spend bonuses

This table lists all of the Mastercards we know of that give bonuses with big spend.  Since we don’t have estimates for the value of each big spend offer, we’ve sorted cards by value for base spend:

Card Offer and Details
BOA Amtrak Guest Rewards World Mastercard

Card Type: Mastercard World

Base
Travel
Brand

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

Barclays Arrival® Premier World Elite Mastercard®

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

Base

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).

Air France KLM World Elite Mastercard

Card Type: Mastercard World Elite

Base
Brand

Earning rate: 3X on Air France, KLM, and SkyTeam purchases ⚬ 1.5X everywhere else

Big spend bonus: 5K after anniversary when you spend $50 or more the previous year ⚬ 40XP points towards status after anniversaru when you spend $15K or more the previous year

Virgin Atlantic World Elite Mastercard
Up to 65K miles
60K after $2K spend in first 90 days + 5K for adding 2 authorized users

$90 Annual Fee

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.

Recent better offer: 75K: 20K after first purchase + 50K after $12K in 6 months + 5K for adding 2 authorized users


Card Type: Mastercard World Elite

Base

Earning rate: 1.5X everywhere

Big spend bonus: Companion award ticket with $25K annual spend; 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

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

Base
Travel
Shop
Brand

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

See also: Citi ThankYou Rewards Complete Guide

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

Base
Dine
Grocery
Brand

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

JetBlue Business Card
Up to 60K miles
Up to 60K: 50K after $1K spend in 90 days and earn 10K after a purchase is made on an employee card

$99 Annual Fee

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

Base
Dine
Office
Brand

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

Virgin Atlantic White Card

Card Type: Mastercard World Elite

Base
Brand

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;

AAdvantage® AviatorTM Silver World Elite MasterCard®

FM Mini Review: $25 per day of in-flight food & beverage credits is pretty interesting. If you fly AA enough to make good use of this, this card is well worthwhile.


Card Type: Mastercard World Elite

Base
Travel
Brand

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

Big spend bonus: Earn $99 + tax domestic certificate for up to 2 companions with $20K membership year spend ($30K spend required until May 2019) ⚬ Earn 3000 EQDs towards elite status with $50K calendar year spend.

Noteworthy perks: $25 per day in-flight food & beverage credit ⚬ First checked bag free ⚬ Priority Boarding ⚬ Reduced mileage awards ⚬ $100 Global Entry application fee credit ⚬ 25% off in-flight purchases Starting May 2019: $50 wifi credit per membership year ⚬ light cents: round up purchases to earn more miles

AAdvantage Aviator Red World Elite MasterCard
60K miles + Companion Certificate
60k miles + introductory companion certificate (pay $99 + taxes for the companion) after 1st purchase within 90 days and payment of the $99 AF

$99 Annual Fee


Card Type: Mastercard World Elite

Base
Brand

Earning rate: ⚬ 2X AA ⚬ 1X everywhere else

Big spend bonus: Starting May 2019: Earn $99 + tax domestic companion certificate with $20K membership year spend.

Noteworthy perks: First checked bag free ⚬ Preferred boarding for the primary cardmember and up to 4 companions traveling on the same reservation ⚬ Reduced mileage awards ⚬ 25% off in-flight purchases ⚬ $25 wifi credit per membership year ⚬ Flight cents: round up purchases to earn more miles

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

Base
Brand

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

CitiBusiness AAdvantage Platinum Select World MasterCard
65K miles
65K after $4K spend in first 4 months

No Annual Fee First Year, Then $99

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

Base
Travel
Gas
Phone
Brand

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

Citi AAdvantage Platinum Select World Elite Mastercard

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

Base
Dine
Gas
Brand

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

AAdvantage® AviatorTM Business MasterCard®
Up to 60K miles
Up to 60K miles: 50k miles after $1K in purchases within 90 days and 10K miles when a purchase is made on an employee card that is added to the account at the time of application or within 30 days of the account open date

$95 Annual Fee

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.

Recent better offer: Up to 75K miles: 65k miles after $1K in purchases within 90 days and 10K miles when a purchase is made on an employee card that is added to the account at the time of application or within 30 days of the account open date


Card Type: Mastercard

Base
Travel
Phone
Office

Earning rate: ⚬ 2X AA, office supply, telecommunications services, and at car rental agencies ⚬ 1X everywhere else

Big spend bonus: $99 companion certificate with $30K account year spend; $3K elite qualifying dollars (EQDs) with $25K calendar year spend

Noteworthy perks: ⚬ First checked bag free ⚬ Preferred boarding ⚬ 5% bonus on miles earned the previous year after AF is paid ⚬ Reduced mileage awards ⚬ 25% statement credit on in-flight purchases

Best Western Rewards Premium MasterCard issued by First Bankcard
Up to 70K points
Up to 70K: 50K after $1K spend in 3 billing cycles + 20K after $5K total spend in first 12 billing cycles

No Annual Fee First Year, Then $59


Card Type: Mastercard World

Base
Brand

Earning rate: 10X at Best Western properties ⚬ 2X 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)

Frontier Airlines World MasterCard®

Card Type: Mastercard World

Base
Dine
Brand

Earning rate: 5X at FlyFrontier.com ⚬ 3X restaurants

Big spend bonus: $100 discount voucher after $2,500 in annual spend. ⚬ Elite 20K status (free bag & seat selection) w/ $20K calendar year spend ⚬ Elite 50K (adds family seating & free seat selection for up to 8 companions) with $50K calendar year spend ⚬ Elite 100K status (adds "theWORKS" bundle for primary cardmember & up to 8 traveling companions) with $100K calendar year 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.

Sonesta World Mastercard
65K points
60K points after $1K spend in 90 days plus 5K points for adding an authorized user

No Annual Fee First Year, Then $75

FM Mini Review: Best for those who stay often at Sonesta hotels


Card Type: Mastercard World

Base
Travel
Brand

Earning rate: 2X airfare, car rental and dining ⚬ 3X Sonesta

Big spend bonus: 30K bonus points with $7.5K cardmember year spend

Noteworthy perks: Instant upgrade to Sonesta Travel Pass Elite (free club access or continental breakfast plus other perks)

The Hawaiian Airlines® Business MasterCard® issued by Barclays
Up to 60K miles
50K after $1K in the first 90 days + 10K after a purchase is made on an employee card

$99 Annual Fee

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.

Recent better offer: 60K after $1K in the first 90 days + 10K after first purchase on an employee card [Expired 8/19]


Card Type: Mastercard World Elite

Base
Dine
Gas
Office
Brand

Earning rate: 3X Hawaiian Airlines ⚬ 2x gas, dining, and office supply stores ⚬ 1x everywhere else

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

Citi® Expedia®+ Voyager Card

Card Type: Mastercard World

Base
Brand

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

Citi® Expedia+ Credit Card

Card Type: Mastercard World

Base
Brand

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

Chase IHG® Rewards Club Premier Credit Card

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

Base
Dine
Gas
Grocery
Brand

Earning rate: 25x at IHG properties and 4x everywhere total for the first year, then: ⚬ 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.

Chase IHG® Rewards Club Traveler Credit Card
This card is no longer available for new applications
This card is not currently available for new applicants.

No Annual Fee First Year, Then $29

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

Base
Dine
Gas
Grocery
Brand

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

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.

More articles by Greg The Frequent Miler »

Regarding comments: Comments posted at the bottom of Frequent Miler pages and posts are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

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dbeach
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dbeach

As far as I know, paying bills with Plastiq does NOT get 3x with AT&T Access More, anymore. If anyone has a recent contrary data point I would be very interested.

Gabe
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Gabe

How about the Citi Double Cash card?

Bob
Guest
Bob

Interesting. I appear to have enjoyed some of the benefits, though. Any danger of a clawback by plastiq?