Best credit card offers

On this page you’ll find the best publicly available credit card offers. If you’re looking for the best cards for spend, please see: Best Category Bonuses, Best Rewards for Everyday Spend, and Best Big Spend Bonuses.

Jump to: Amex, BOA, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells, Other

Best of the Best
BOA Alaska Airlines Visa Signature
30K + $100 + Companion Ticket
BOA Alaska Airlines Visa Business Card
30K miles+ Companion Ticket
Chase Freedom Unlimited
Up to 17.5K points
Chase Freedom®
Up to 17.5K points
Wells Fargo Rewards Visa® card
Up to 50K bonus points
Wells Fargo Visa Signature Card
Up to 50K bonus points
Bank of America Travel Rewards
25K points worth $250
JetBlue Card
15K miles
Disney Visa Card
$200 Cash Back
AT&T Access Card
10K points
Discover it® for Students
$50 + First Year Double + $20/year
Fidelity Rewards Visa
$100 Cash Back
Uber Visa Card
$100 Cash Back
Discover it®
$75 + First Year Double
Best Transferable Points Offers Best Airline Card Offers Best Hotel Card Offers
Best Business Card Offers Best Visa Card Offers Best Mastercard Offers

Jump to: Amex, BOA, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells, Other

American Express Cards

Note: American Express is a Frequent Miler advertiser

Amex
App
Tips
1 welcome bonus per lifetime Better offers may be available. Click for details. Hard inquiries are combined into 1 when approved same day You can have max 5 Amex credit cards, but no known limit for charge cards
Amex is now the safest bank for trying your luck at a new welcome bonus. They don’t usually issue a hard pull when denying your application.  Plus, they’ll now warn you during the application process if you’re not eligible for the bonus.
Max 1 credit card approval per 5 days and 2 in 90 days, but no known limit for charge cards
[2 credit cards in 1 day is possible when instantly approved]
Check application status here.
If denied, call reconsideration: 877-399-3083 (new accountholders); 866-314-0237 (current accountholders)

American Express Cards / Membership Rewards

Also see: Amex Airline Cards, Amex Hotel Cards, Amex Cash Back Cards

The Business Platinum® Card from American Express OPEN
75K points
Up to 75K: 50K after $10K spend + 25K after additional $10K spend in 3 months.

$450 Annual Fee

Recent better offer: 150K after $20K Spend (Targeted)

FM Mini Review: This card is absolutely loaded with high end perks. Depending upon your situation, those perks may be worth the annual fee or much more.


Card Type: Amex Charge Card

Earning rate: 5X flights and prepaid hotels at AmexTravel.com ⚬ 1.5X points per dollar on eligible purchases of $5000 or more (up to 1 million additional Membership Rewards points per year) ⚬ 1X elsewhere

Noteworthy perks: ⚬ Up to $200 a year in statement credits for airline incidental fees ⚬ -$100 Global Entry fee reimbursement.⚬ Airport lounge benefits ⚬ Rental car elite status ⚬ SPG Gold status ⚬ Hilton Gold status ⚬ Free Boingo wifi ⚬ 10 complimentary single flight segment passes for Gogo inflight internet each calendar year. Terms Apply. See Rates & Fees

See also: Maximizing value from Amex Platinum Cards

The Business Gold Rewards Card from American Express OPEN
50K points
50K after $5K spend in 3 months (You may be eligible for a bigger signup offer. Call Amex to ask)

No Annual Fee First Year, Then $175

Alternate offer: Some have been targeted for a 75K offer. See this post for more info.

Recent better offer: 75K after $5K spend, targeted -- call to ask for offer. (last reported 2/25/16)

FM Mini Review: This card is pricey for one with few perks. Keep only if you make good use of a 3X category.


Card Type: Amex Charge Card

Earning rate: Earn 3X on one of your choice, 2X on rest. [3X choices: ⚬ Airfare purchased directly from airlines ⚬ U.S. purchases for advertising in select media ⚬ U.S. purchases at gas stations ⚬ U.S. purchases for shipping ⚬ U.S. computer hardware, software, and cloud computing purchases made directly from select providers. 3X and 2X apply to first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter. Terms apply. See Rates & Fees

American Express Platinum Card® for Schwab

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 through American Express Travel

Noteworthy perks: This card includes all of the great perks that come with the American Express Platinum Card, plus: ⚬ Use Membership Rewards® points for deposits by Schwab to your eligible brokerage account. (For example, 10,000 points = $125) ⚬ $100 credit with Schwab holdings of $250,000+ or $200 credit with holdings of $1,000,000+ on approval & each year.

Note: This card is only available to clients that maintain an eligible Schwab brokerage account.

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?

The Platinum Card® from American Express
60K points
60K after $5K spend in 3 months

$550 Annual Fee

Recent better offer: 100K after $3K spend direct link (last reported 5/10/16)

FM Mini Review: This card is absolutely loaded with high end perks. Depending upon your situation, those perks may be worth the annual fee or much more.


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 through American Express Travel

Noteworthy perks: ⚬ $200 Airline Fee Credit. Up to $200 a year in baggage fees and more at one qualifying airline ⚬ Up to $200 for Uber rides annually. Credit and Uber VIP status for Basic Member only ⚬ Up to $100 in credits annually for purchases at Saks Fifth Avenue (up to $50 in credits semi-annually, enrollment required) ⚬ $100 Global Entry fee reimbursement ⚬ Airport lounge benefits ⚬ Rental car elite status ⚬ SPG Gold status ⚬ Hilton HHonors Gold status ⚬ Free Boingo wifi ⚬ Free Gold card AUs. Terms & Conditions Apply. See Rates & Fees

See also: Maximizing value from Amex Platinum Cards

Premier Rewards Gold Card from American Express
25K points
25K after $2K spend in 3 months

No Annual Fee First Year, Then $195

Recent better offer: 50K after $1K spend targeted via CardMatch Tool (last reported 2/11/16)

FM Mini Review: This is a good choice for a welcome bonus, but most would do better with other cards long term.


Card Type: Amex Charge Card

Earning rate: ⚬ 3X points for flights booked with airlines ⚬ 2X points at US gas stations, US supermarkets & US restaurants ⚬ 1X points on other purchases. Terms apply. See Rates & Fees

Noteworthy perks: ⚬ Up to $100 a year in statement credits for baggage fees and more with one qualifying airline ⚬ Get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, if available with The Hotel Collection at americanexpress.com/hc

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

American Express® Green Card

FM Mini Review: This card might make sense if you are targeted for a welcome bonus, but is not otherwise very rewarding for spend.


Card Type: Amex Charge Card

Earning rate: ⚬ 2X at AmexTravel.com ⚬ 1X points on other purchases. Terms apply. See Rates & Fees

Noteworthy perks: None

The Amex EveryDay® Credit Card from American Express

FM Mini Review: Great choice for keeping Membership Rewards points alive if you choose to cancel other Membership Rewards earning cards.


Card Type: Amex Credit Card

Earning rate: ⚬ 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x) ⚬ 1x on other purchases

Noteworthy perks: ⚬ Make 20 or more purchases in a billing period and get 20% more points, less returns and credits ⚬ Points transferrable to many airline programs (unusual feature for no-fee card) ⚬ Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.74% to 25.74% ⚬ $0 balance transfer fee. Balance transfers must be requested within 60 days from account opening. Terms apply. See Rates & Fees

The Amex EveryDay® Preferred Credit Card from American Express
20K points
20K after $1K spend in 3 months

$95 Annual Fee

FM Mini Review: Thanks to the 50% bonus on points earned, this is, in my opinion, one of the strongest mile-earning cards available.


Card Type: Amex Credit Card

Earning rate: ⚬ 3x points at US supermarkets on up to $6,000 per year in purchases (then 1x) ⚬ 2x points at US gas stations ⚬ 1x points on other purchases.

Noteworthy perks: Earn 50% more points: Use your Card 30 or more times on purchases in a billing period and get 50% more points on those purchases less returns and credits. Terms apply. See Rates & Fees

The Blue Business℠ Plus Credit Card
10K points
10K points after $3K in purchases in the first 3 months (Offer ends 9/26/18)
(Offer Expires 9/26/18)

$0 Annual Fee

Recent better offer: 20K after $3K spend in 3 months (Expired 6/21/17)

FM Mini Review: No other transferable points card offers 2X rewards for ALL spend. With no annual fee, this card is a winner. Big time.


Card Type: Amex Credit Card

Earning rate: 2X Membership Rewards points on all purchases, up to $50K spend per calendar year (then 1X thereafter). Terms apply. See Rates & Fees

Noteworthy perks: 0.0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99%, 16.99% or 20.99%, based on your creditworthiness and other factors as determined at the time of account opening

See also: The new king of everyday spend

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?

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)

Jump to: Amex, BOA, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells, Other

American Express Cards / Airlines

Also see: Amex Membership Rewards Cards, Amex Hotel Cards, Amex Cash Back Cards

Gold Delta SkyMiles® Credit Card from American Express
60K miles
60K miles after $3K spend in the first 4 months. Terms apply.
(Offer Expires 9/19/18)

No Annual Fee First Year, Then $95

Recent better offer: 60K miles + $50 statement credit: 50K miles after $2K spend in the first 3 months + $50 statement credit after making a Delta purchase in the first 3 months + 10K bonus miles after additional $1K spend in the first 6 months.(Expired 4/11/18)

FM Mini Review: Priority boarding, and free checked bag make this a reasonably good option for Delta flyers who do not have elite status. However, those who can make use of an annual companion certificate would do better with the Delta Platinum card.


Card Type: Amex Credit Card

Earning rate: 2X Delta

Noteworthy perks: Priority boarding, and free checked bags. Terms Apply. See Rates & Fees

See also: An Analysis of the Gold Delta Skymiles Credit Card

Gold Delta SkyMiles® Business Credit Card from American Express
60K miles
60K miles after $3K spend in the first 4 months. Terms and limitations apply.

No Annual Fee First Year, Then $95

Recent better offer: 60K miles + $50 statement credit: 50K miles after $2K spend in the first 3 months + $50 statement credit after making a Delta purchase in the first 3 months + 10K bonus miles after additional $1K spend in the first 6 months. (Expired 4/11/18)

FM Mini Review: Priority boarding, and free checked bag make this a reasonably good option for Delta flyers who do not have elite status. However, those who can make use of an annual companion certificate would do better with the Delta Platinum card.


Card Type: Amex Credit Card

Earning rate: 2X Delta

Noteworthy perks: Priority boarding, and free checked bags. Terms and limitations apply. See Rates & Fees

See also: An Analysis of the Gold Delta Skymiles Credit Card

Platinum Delta SkyMiles® Credit Card from American Express
70K miles + 10K MQMs
70K miles + 10K MQMs after $3K spend in the first 3 months. Terms apply.
(Offer Expires 9/19/18)

$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 Rates & Fees

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

Platinum Delta SkyMiles® Business Credit Card from American Express
70K miles + 10K MQMs
70K miles + 10K MQMs after $3K spend in first 3 months.Terms and limitations apply.

$195 Annual Fee

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

Blue Delta SkyMiles® Credit Card from American Express
10K miles
10K miles after $500 spend in the first 3 months. Terms apply.

$0 Annual Fee

Recent better offer: None.

FM Mini Review: This card offers an OK welcome offer for a no-fee card, but many/most other cards offer better return for spend.


Card Type: Amex Credit Card

Earning rate: ⚬ 2X US restaurants ⚬ 2X Delta ⚬ 1X everywhere else

Noteworthy perks: 20% statement credit on in-flight purchases of food, beverages, and headsets Terms Apply. See Rates & Fees

Note: Note an unusual restriction: Welcome bonus not available if you've had another Delta consumer card in the past 90 days

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 and limitations 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

Jump to: Amex, BOA, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells, Other

American Express Cards / Hotels

Also see: Amex Membership Rewards Cards, Amex Airline Cards, Amex Cash Back Cards

Hilton Honors American Express Aspire Card
150K points
150K after $4K spend in 3 months.

$450 Annual Fee

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

Starwood Preferred Guest® Business Credit Card from American Express
100K Points
100K points after $5K spend in the first 3 months. Terms apply.
(Offer Expires 10/31/18)

No Annual Fee First Year, Then $95


Card Type: Amex Credit Card

Earning rate: 6x at Starwood / 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 ⚬ 2x everyhwere else

Big spend bonus: Marriott Gold elite status with $30K annual spend (Note that starting January 1, 2019 this requirement will increase to $35K spend)

Noteworthy perks: 1 Free Night Award every year after your Card account anniversary up to 35K points (subject to resort fees) ⚬ Complimentary premium Internet access at Marriott/SPG properties ⚬ unlimited Boingo Wi-Fi

Note: Terms Apply. See Rates & Fees

Hilton Honors American Express Ascend Card
150K points
150K after $3K spend in 3 months. Terms apply.

$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: 125K after $3K in first 3 months + free weekend night at first anniversary (Expired 6/27/18)

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.

Starwood Preferred Guest® Credit Card from American Express
75K points
75K after $3K spend in 3 months. Terms apply.

No Annual Fee First Year, Then $95


Card Type: Amex Credit Card

Earning rate: 6X Starwood and Marriott Properties ⚬ 2X everywhere else

Big spend bonus: Marriott Gold Elite with $30K annual spend (note this threshold will increase to $35K on January 1, 2019)

Noteworthy perks: 1 Free Night Award every year after your Card account anniversary up to 35K points (subject to resort fees) ⚬ Receive free premium internet at Marriott/SPG properties.

Note: Terms Apply. See Rates & Fees

Starwood Preferred Guest Luxury Card from American Express
100K Points
100K points after $5K spend in the first 3 months. Terms apply.
(Offer Expires 10/31/2018)

$450 Annual Fee

FM Mini Review: Decent ultra-premium option for Marriott / SPG fans, but Hilton fans may prefer the ultra-premium Hilton Aspire card.


Card Type: Amex Credit Card

Earning rate: 3X airfare charged by airline, US restaurants, 6X Starwood and Marriott Properties; 2X everywhere else

Big spend bonus: Platinum Elite status with $75K calendar year spend

Noteworthy perks: ⚬ 50K Free Night Award each year upon renewal ⚬ $300 SPG/Marriott Rewards statement credit per membership year ⚬ Gold Elite status ⚬ 15 elite nights credit ⚬ Priority Pass Select with 2 free guests ⚬ Global Entry fee credit ⚬ Free premium internet at SPG/Marriott properties ⚬ Unlimited Boingo Wifi

See also: Ultra Premium Hotel Cards: Hilton vs. SPG/Marriott

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

$95 Annual Fee

Recent better offer: 125K after $5K in the first 3 months (Expired 6/27/18)

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.

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

$0 Annual Fee

Alternate offer: You may see a better offer that includes a $100 statement credit during the booking process at Hilton.com.

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.

Jump to: Amex, BOA, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells, Other

American Express Cards / Cash

Also see: Amex Membership Rewards Cards, Amex Airline Cards, Amex Hotel Cards

The Plum Card® from American Express OPEN
Up to $600
Earn a $200 statement credit after each $10,000 you spend on the card, up to $30,000, in the first 3 months of Card Membership

No Annual Fee First Year, Then $250


Card Type: Amex Charge Card

Earning rate: Get a 1.5% discount when you pay early, with no cap on what you can earn back. Take up to 60 days to pay with no interest, if you pay your minimum due.

Noteworthy perks: Terms and limitations apply. See Rates & Fees

American Express Cash Magnet™ Card
Up to $250 Cash Back
Up to $250 cash back: $150 back after $1K in purchases in first 3 months + $100 statement credit after an additional $6.5K in purchases within the first 12 months

$0 Annual Fee


Card Type: Amex Credit Card

Earning rate: 1.5% everywhere

Noteworthy perks: 0% Intro APR for 15 months on purchases and balance transfers, then a variable rate, currently 14.74%-25.74% See rates & fees.

Blue Cash Preferred® Card from American Express
200 Cash Back
$200 cash back after $1K in the first 3 months

$95 Annual Fee

Recent better offer: $250 after $1K spend targeted (last reported 10/2015)

Up to $350: 10% cash back on purchases at U.S. Restaurants in the first 6 months, up to $200 back. Plus, earn $150 back after $1K spend in 3 months. (Expired 5/3/17)

FM Mini Review: Solid cash back option, especially for those who spend a lot at US Supermarkets and US gas stations


Card Type: Amex Credit Card

Earning rate: ⚬ 6% cash back at US supermarkets up to $6,000 per year in purchases (then 1%) ⚬ 3% cash back US gas stations and select US department stores ⚬ 1% cash back on other purchases ⚬ Terms apply. See Rates & Fees

Noteworthy perks: Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.74% to 25.74%.

Blue Cash Everyday® Card from American Express
$150 Cash Back
$150 cash back after $1K in the first 3 months

$0 Annual Fee

Recent better offer: $250 after $1K spend targeted (last reported 10/2015)

Up to $300: 10% cash back on purchases at U.S. Restaurants in the first 6 months, up to $200 back. Plus, earn $100 back after $1K spend in 3 months. (Expired 5/3/17)


Card Type: Amex Credit Card

Earning rate: ⚬ 3% cash back at US supermarkets up to $6,000 per year in purchases (then 1%) ⚬ 2% cash back at US gas stations and select US department stores ⚬ 1% cash back on other purchases ⚬ Terms apply. See Rates & Fees

Noteworthy perks: Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.74% to 25.74%.

SimplyCash® Plus Business Credit Card from American Express

No signup bonus at this time.

$0 Annual Fee

Recent better offer: $500: $250 after $5K in 6 months plus $250 after additional $10K in 12 months (Expired 4/25/18)

FM Mini Review: Solid cash back card for those who spend a lot within the 5% and 3% categories.


Card Type: Amex Credit Card

Earning rate: ⚬ 5% US office supply stores and US wireless phone services ⚬ 3% your choice from list of categories (e.g. airfare, hotels, car rentals, gas stations, restaurants, select media buys, shipping,computer) ⚬ 1% other purchases. 3% and 5% rebates are capped at $50,000 per rebate year and then earn 1% thereafter. Terms Apply. See Rates & Fees

Noteworthy perks: 0% Intro APR on purchases for 15 months, then a variable rate (currently 13.99%-20.99%)

Jump to: Amex, BOA, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells, Other

Bank of America Cards

BOA
App
Tips
OK to get the same card & bonus again, even if you still have the previous card open. Consumer card applications: Limit 2 per rolling 2 months, 3 per rolling 12 months, and 4 per rolling 24 months. Hard inquiries are usually combined into 1 when initiated within 30 days but there have been reports of TransUnion not combining. YMMV. BOA appears to be enforcing a 5 personal card limit
Click here to check your application status
If denied, call reconsideration here: 800-354-0401 (8am-7pm ET Mon-Fri); 866-695-6598 (business cards);
Virgin Atlantic World Elite Mastercard
75K miles
20K after first purchase + 50K after $12K 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

BOA Amtrak Guest Rewards World Mastercard
30K points
30K after $1K spend in 3 months

$79 Annual Fee

Offer appears on the Amtrak home page.

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

Bank of America Premium Rewards
50K points
50K after $3K spend in 90 days

$95 Annual Fee

FM Mini Review: This card has best-in-class earnings for those with $100K+ invested with BOA. With that level of investment, you would earn 3.5X travel & dining and 2.62X everywhere else.


Card Type: Visa Signature

Earning rate: ⚬ 2X travel and dining ⚬ 1.5X everywhere else

Noteworthy perks: ⚬ $100 annual airline incidentals fee reimbursement ⚬ Up to 75% bonus for Preferred Rewards banking customers

BOA Alaska Airlines Visa Signature
30K + $100 + Companion Ticket
30K + $100 Statement Credit + $0 (+ taxes/fees) companion fare after $1K spend in 3 months

$75 Annual Fee

Alternate offer: Some people have been targeted for a 40K offer via email. Click here for more.

Recent better offer: None recently

FM Mini Review: Alaska miles are quite valuable so this offer is better than it appears


Card Type: Visa Signature

Earning rate: ⚬ 3X Alaska Airlines ⚬ 1X elsewhere

Noteworthy perks: ⚬ $121 companion pass every year ⚬ Free first checked bag for you and up to six other passengers on your reservation

See also: Alaska Airlines Companion Fare Complete Guide

BOA Amtrak Guest Rewards Platinum Mastercard
12K points
12K after $1K spend in 3 months

$0 Annual Fee

Recent better offer: 15K after $1K spend in 3 months


Card Type: Mastercard Platinum

Earning rate: ⚬ 2X Amtrak ⚬ 1X elsewhere

Noteworthy perks: ⚬ 5% Amtrak Guest Rewards point rebate on redemptions.

See also: Amtrak Guest Rewards credit card review

BOA Alaska Airlines Visa Business Card
30K miles+ Companion Ticket
30K + $0 companion fare (+ taxes/fees) after $1K spend in 3 months

$75 Annual Fee

Recent better offer: None

FM Mini Review: Alaska miles are quite valuable so this offer is better than it appears


Card Type: Visa

Earning rate: ⚬ 3X Alaska Airlines ⚬ 1X elsewhere

Noteworthy perks: ⚬ $121+ coach companion pass every year

Bank of America Business Advantage Cash Rewards Mastercard
$350 Cash Back
$350 after $3K spend in 90 days

$0 Annual Fee


Card Type: Mastercard

Earning rate: 3% gas and office supply; 2% restaurants

BOA Business Advantage Travel Rewards World Mastercard
25K points
25K after $1K spend in 60 days

$0 Annual Fee


Card Type: Mastercard World

Earning rate: 3X for travel booked through BOA's travel center

Bank of America Travel Rewards
25K points worth $250
25K after $1K spend in 90 days

$0 Annual Fee


Card Type: Visa Signature

Earning rate: 1.5X everywhere

Noteworthy perks: Up to 75% bonus for Preferred Rewards banking customers

See also: Up to 2.625% back for timeshares, fortune tellers and more

Major League Baseball®
BankAmericard Cash Rewards™ MasterCard® credit card
$200 Cash Back
$200 after $500 spend in 90 days

$0 Annual Fee


Card Type: Mastercard World

Earning rate: 2% at grocery stores and wholesale clubs; and 3% on gas up to the first $2,500 in combined purchases each quarter

Noteworthy perks: Up to 75% bonus for Preferred Rewards banking customers

Bank of America Cash Rewards
$200 Cash Back
$200 after $500 spend in 90 days

$0 Annual Fee


Card Type: Mastercard World

Earning rate: 2% at grocery stores and wholesale clubs and 3% on gas up to the first $2,500 in combined purchases each quarter

Noteworthy perks: Up to 75% bonus for Preferred Rewards banking customers

BOA Platinum Business Visa
$200 Cash Back
$200 after $500 spend in 60 days

$0 Annual Fee

FM Mini Review: No rewards on everyday purchases, but a nice sign-up bonus for a no annual fee card.


Card Type: Visa Platinum

Asiana Airlines Visa Signature
30K miles
30K after $3K spend in 90 days

$99 Annual Fee


Card Type: Visa Signature

Earning rate: ⚬ 2X gas and grocery ⚬ 3X Asiana.

Noteworthy perks: ⚬ 10,000 points awarded annually ⚬ $100 annual rebate on Asiana ticket purchases ⚬ 2 lounge invitations every year on card anniversary

Virgin Atlantic White Card
12.5K miles
12,500 miles after first purchase

$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;

Asiana Airlines Visa Business Card
10K miles
10K after after first purchase

$80 Annual Fee


Card Type: Visa

Earning rate: 2X Asiana

Noteworthy perks: 2 X $100 credits annually on U.S. departure Asiana operated flights.

Jump to: Amex, BOA, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells, Other

Barclays

Barclays
App
Tips
No known rules against getting same card & bonus again, but getting approved may be difficult. Hard inquiries combined into 1 when approved same day Most credit inquiries go through TransUnion
Consumer: Click here to check your application status
Business cards: Click here
If denied, call reconsideration here: 866-408-4064
AAdvantage® AviatorTM Business MasterCard®
60K miles
60k miles after 1st purchase within 90 days and payment of the $95 AF

$95 Annual Fee

Recent better offer: None.


Card Type: Mastercard

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

AAdvantage® AviatorTM Red World Elite MasterCard®
60K miles
60k miles after 1st purchase within 90 days and payment of the $95 AF

$95 Annual Fee


Card Type: Mastercard World Elite

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

Big spend bonus: $3K elite qualifying dollars (EQDs) with $25K calendar year spend

Noteworthy perks: ⚬ First checked bag free ⚬ Preferred boarding for the primary cardmember and up to 4 companions traveling on the same reservation ⚬ 10% rebate on AA awards (up to 10K per year) ⚬ Reduced mileage awards ⚬ 25% off in-flight purchases

Lufthansa Miles & More® Premier World MasterCard® issued by Barclays
60K miles
60K miles: 20K after first purchase & 40K after $5K spend in 90 days

$89 Annual Fee

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


Card Type: Mastercard World

Earning rate: 2X Miles & More

Noteworthy perks: Cardmembers receive a companion ticket and two complimentary Lufthansa Business Lounge vouchers after first purchase and each year after paying the annual fee

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

Barclaycard Arrival® Plus World Elite Mastercard®
60K points
60K after $5K spend in 90 days

$89 Annual Fee


Card Type: Mastercard World Elite

Earning rate: 2X Miles on all purchases

Noteworthy perks: ⚬ Get 5% Miles back when redeeming for travel ⚬ Chip wth PIN capability ⚬ 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 17.74%, 21.74% or 24.74%, based on your creditworthiness.
There is a fee for balance transfers.
See Rates & Fees

See also: Why the Recent Arrival Changes are a Terrible Business Move For Barclaycard

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

$79 Annual Fee


Card Type: Mastercard World

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.

The Hawaiian Airlines® Business MasterCard® issued by Barclays
50K miles
50K after first purchase

$89 Annual Fee


Card Type: Mastercard World Elite

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

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

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

JetBlue Card

FM Mini Review: Not bad for a fee-free airline card.


Card Type: Mastercard World

Earning rate: ⚬ 2X restaurants and grocery ⚬ 3X JetBlue ⚬ 1X everywhere else⚬

Noteworthy perks: 50% savings on eligible inflight purchases including cocktails, food and movies.

See also: Barclaycard JetBlue offers are live and worth a look

Wyndham Rewards Visa issued by Barclays
45K points
45K: 30K after first purchase plus 15K after $2,000 spend in 90 days
(Offer Expires 8/10/18)

$75 Annual Fee

FM Mini Review: This card is great for its signup bonus (when the 45K bonus is available). It's also pretty good to keep to get 9,000 bonus points per year + status w/ Wyndham & Caesar's.


Card Type: Visa Signature or Platinum

Earning rate: ⚬ 5X Wyndham ⚬ 2X gas, utility, & grocery ⚬ 1X everywhere else

Noteworthy perks: ⚬ 6,000 bonus points every account anniversary + 3,000 points for Platinum elites ⚬ Platinum status (matches to Caesar's Total Rewards Platinum)

Note: Wyndham charges a flat rate for free nights at all properties: 15,000 points per night. That's great for higher end properties, but poor value for cheap properties.

Wyndham Rewards Visa issued by Barclays (no annual fee)
15K points
15K after first purchase

$0 Annual Fee

Recent better offer: 1/15/18: 18K (15K after first purchase, 3K additional after $1K spend in 90 days)


Card Type: Visa Signature or Platinum

Earning rate: ⚬ 3X Wyndham ⚬ 2X gas, utility & grocery ⚬ 1X everywhere else

Noteworthy perks: Gold status

Note: Wyndham charges a flat rate for free nights at all properties: 15,000 points per night. That's great for higher end properties, but poor value for cheap properties.

Uber Visa Card
$100 Cash Back
$100 after $500 spend in 90 days

$0 Annual Fee

FM Mini Review: A good choice both for its signup bonus and bonus categories (4% for restaurants is particularly good).


Card Type: Visa Platinum or Signature

Earning rate: ⚬ 4% eateries ⚬ 3% travel ⚬ 2% online purchases (including online purchases made with third party payment methods like PayPal, Venmo, Apple Pay, Android Pay, and Samsung Pay) ⚬ 1% everywhere else

Noteworthy perks: ⚬ Annual $50 subscription credit when you spend $5,000 in a year (good for things like Netflix, HBO NOW, Amazon Prime, etc) — note that this benefit kicks in during the second year if you spend $5K in year 1) ⚬ Up to $600 mobile phone insurance against theft or damage when you charge your total monthly bill to the card ($25 deductible) ⚬ No foreign transaction fees

Barclays Arrival® Premier World Elite Mastercard®
Waived first year annual fee

No Annual Fee First Year, Then $150

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

AAdvantage® AviatorTM Silver World Elite MasterCard®

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

Jump to: Amex, BOA, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells, Other

Capital One

Capital One
App
Tips
There is no known rule against getting the same card and bonus again even if you still have the card open Must wait 6 months after application before applying for another Capital One card Most credit inquiries go through all 3 bureaus You can have max 2 Capital One personal cards
(not counting co-brands)
To check application status, call (800) 903-9177 or (877) 277-5901
If denied, call reconsideration here: (800) 625-7866
Capital One® Spark® Cash for Business
$500 Cash Back
$500 after $4,500 spend in 3 months from account opening

No Annual Fee First Year, Then $95

Recent better offer: $1,000 after $10,000 spend in 3 months from account opening

FM Mini Review: Many cards offer unlimited 2% cash back, but this is the only business card I know of that does so. This is a good option for business owners who prefer simple cash back rewards.


Card Type: Visa Signature

Earning rate: 2% everywhere

Capital One® Venture® Rewards Credit Card
50K "miles"
50K after $3K spend in 3 months from account opening

No Annual Fee First Year, Then $95

FM Mini Review: This card earns 2 "miles" per dollar, which are worth exactly 1 cent each toward travel. This makes the return on spend similar to a 2% cash back card (though in this case you must redeem your miles to offset travel in order to get 1 cent per mile). Signup bonus is excellent, but due to the annual fee, you can do better after the first year.


Card Type: Visa Signature

Earning rate: 2X everywhere

Noteworthy perks: ⚬ Earn 10x miles on hotels when you pay with your Venture card at hotels.com/venture ⚬ Redeem miles for travel at value of 1 cent per mile. ⚬ Receive up to $100 application fee credit for Global Entry or TSA Pre✓®

Capital One® Spark® Miles for Business
50K "miles"
50K after $4,500 spend in 3 months from account opening

No Annual Fee First Year, Then $95

FM Mini Review: This card is basically the same as the Spark Cash for Business, but rewards can only be used to offset travel purchases. This is a good option for business owners who prefer simple rewards and who value free travel over cash back.


Card Type: Vsia Signature

Earning rate: 2X everywhere

Noteworthy perks: Redeem miles for travel at value of 1 cent per mile.

Capital One® Savor® Cash Rewards Credit Card
$500 Cash Back
$500 after $3K spend in 3 months from account opening

No Annual Fee First Year, Then $95


Card Type: Mastercard

Earning rate: 4% cash back on dining and entertainment ⚬ 2% at grocery stores ⚬ 1% everywhere else

Capital One® VentureOne® Rewards Credit Card
20K "miles"
20K after $1K spend in 3 months from account opening

$0 Annual Fee

FM Mini Review: Many no-fee cards offer better rewards, so there's no point in using this card after collecting the signup bonus.


Card Type: Visa Signature or Platinum

Earning rate: 1.25X everywhere

Noteworthy perks: ⚬ Earn 10x miles on hotels when you pay with your VentureOne card at hotels.com/venture ⚬ Redeem miles for travel at value of 1 cent per mile.

Capital One® Spark® Cash Select for Business
$200 Cash Back
$200 after $3,000 spend in 3 months from account opening

$0 Annual Fee

FM Mini Review: This is a good option for business owners looking for simple cash back rewards with no annual fee. If you spend more than $19,000 per year, though, you would be better off with the 2% Spark Cash card.


Card Type: Visa Signature

Earning rate: 1.5% everywhere

Capital One® Spark® Miles Select for Business
20K "miles"
20K after $3,000 spend in 3 months from account opening

$0 Annual Fee

FM Mini Review: This card is basically the same as the Spark Cash Select for Business, but rewards can only be used to offset travel purchases. This is a good option for business owners who prefer simple rewards with no annual fee, and who value free travel over cash back. If you spend more than $19K per year, though, go for the 2X Spark Miles card.


Card Type: Visa Signature

Earning rate: 1.5X everywhere

Noteworthy perks: Redeem miles for travel at value of 1 cent per mile.

Capital One® Quicksilver® Card - 0% Intro APR for 15 Months
$150 Cash Back
$150 after $500 spend in 3 months from account opening

$0 Annual Fee

FM Mini Review: While you can do better with a no-fee 2% cash back card, the Quicksilver card often offers excellent discounts with popular services such as Uber or Spotify.


Card Type: Visa Signature or Platinum

Earning rate: 1.5% everywhere

Noteworthy perks: 0% Intro APR for 15 months on purchases and balance transfers, then 14.74% - 24.74% (Variable)

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

$0 Annual Fee

FM Mini Review: The combination of 3% cash back on dining and no foreign transaction fees would be attractive for a no annual fee card, but the Barclaycard Uber card eclipses this one by offering 4% cash back for dining.


Card Type: Mastercard

Earning rate: ⚬ 3% on dining ⚬ 2% on groceries ⚬ 1% everywhere else

Jump to: Amex, BOA, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells, Other

Chase Cards

Chase
App
Tips
Must wait 24 months after previous bonus to signup for same card. Sapphire cards require 48 months. No wait required for Ink cards. Better offers may be available. Click for details. Difficult to get approved if you’ve opened 5 or more cards in past 24 months Hard inquiries combined into 1 when approved same day Usual max 2 new cards per month (but rule seems to vary)
Shut-Down Caution: Signing up for new Chase cards can lead to Chase reviewing your accounts. This may lead to Chase shutting down all of your accounts if you appear to be a credit risk.  See this post for details and recommendations: Why Chase shutdowns have increased and how to avoid them.
Call (888) 338-2586 to check your application status
If denied, call reconsideration here:1-888-270-2127 for both personal and business cards;
or 800-527-7415 for the Ritz card

Chase Cards / Ultimate Rewards

Also see: Chase Airline Cards, Chase Hotel Cards, Chase Cash Back Cards

Chase Ink Business Preferred Card
80K points
80K after $5K spend in 3 months

$95 Annual Fee

Recent better offer: This is the best public offer we've seen. A 100K offer is sometimes available in-branch through a Business Relationship Manager.

FM Mini Review: Great card for signup bonus and 3X categories. Also consider the no-fee Chase Ink Cash for its 5X categories, and the no fee Ink Business Unlimited to earn 1.5X everywhere.


Card Type: Visa Signature Business

Earning rate: 3X travel, shipping, internet, cable, phone, and advertising with social media sites (up to $150K spend per year)

Noteworthy perks: ⚬ Points worth 25% more when redeemed for travel ⚬ Cell phone protection against theft or damage

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

See also: How to sign up for Chase Ink cards

Chase Ink Business Unlimited
50K points
50K after $3K spend in 3 months

$0 Annual Fee

FM Mini Review: Great to earn 1.5X Ultimate Rewards in categories with no bonuses. Excellent companion card to Ink Business Preferred, Sapphire Reserve or Sapphire Preferred!


Card Type: Visa Signature Business

Earning rate: 1.5X on all purchases.

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

See also: Transferable points programs

Chase Ink Business Cash Credit Card
50K points
50K after $3K spend in 3 months

$0 Annual Fee

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

FM Mini Review: This one should be in everyone's wallet. Incredible signup bonus for a no-fee card. Great card for 5X categories. Excellent companion card to Sapphire Reserve or Sapphire Preferred!


Card Type: Visa Signature Business

Earning rate: ⚬ 5X office supplies ⚬ 5X cellular/landline/cable (on up to $25,000 in total purchases in 5x categories annually) ⚬ 2X gas and restaurants

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

See also: How to sign up for Chase Ink cards

Chase Sapphire Preferred Card
50K points
50K after $4K spend in the first 3 months

No Annual Fee First Year, Then $95

Alternate offer: Some people have been targeted for a 65K offer. See this post for more details.

FM Mini Review: Great signup bonus. This may be the single best "starter card" for those eager to get into miles & points.


Card Type: Visa Signature

Earning rate: 2X Travel and Dining

Noteworthy perks: Primary auto rental collision damage waiver

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

See also: Transferable points programs

Chase Sapphire Reserve Card
50K points
50K after $4K spend in 3 months

$450 Annual Fee

Recent better offer: 100K after $4K spend in 3 months, last seen 3/11/2017 in-branch

FM Mini Review: Excellent all-around card for frequent traveler. Best when paired with no-fee Chase Freedom, no-fee Freedom Unlimited & no-fee Chase Ink Cash


Card Type: Visa Infinite

Earning rate: 3X Travel and Dining

Noteworthy perks: ⚬ $300 Annual Travel Credit ⚬ Points worth 1.5 cents each towards travel ⚬ Primary auto rental collision damage waiver ⚬ Priority Pass Select lounge access ⚬ $100 Global Entry fee credit

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

See also: Sapphire Reserve Complete Guide

Chase Freedom Unlimited
Up to 17.5K points
17.5K: 15K after $500 spend in 3 months + 2.5K for adding authorized user

$0 Annual Fee

FM Mini Review: Great to earn 1.5X Ultimate Rewards in categories with no bonuses. Excellent companion card to Sapphire Reserve or Sapphire Preferred!


Card Type: Visa Signature or Platinum

Earning rate: 1.5X on all purchases.

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

See also: Transferable points programs

Chase Freedom®
Up to 17.5K points
17.5K: 15K after $500 spend in 3 months + 2.5K for adding authorized user

$0 Annual Fee

FM Mini Review: Great for 5X categories. Excellent companion card to Sapphire Reserve or Sapphire Preferred!


Card Type: Visa Signature or Platinum

Earning rate: 5X in rotating categories

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

See also: Transferable points programs

Jump to: Amex, BOA, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells, Other

Chase Cards / Airlines

Also see: Chase Ultimate Rewards, Chase Hotel Cards, Chase Cash Back Cards

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 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.

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 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 United Explorer Card
Up to 55K miles
50K after $3K spend in 3 months + 5K for adding an authorized user

No Annual Fee First Year, Then $95

Recent better offer: 70K + $100 statement credit (targeted)

50K after $3K spend in 3 months + 5K for adding an authorized user + $100 statement credit after first purchase (Expired 3/15/18)

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

Earning rate: 2X United ⚬ 2X restaurants ⚬ 2X on hotel stays

Noteworthy perks: ⚬ Improved saver award availability ⚬ Last seat standard award availability ⚬ Free first checked bag for primary cardholder and one travel companion when you pay with the card ⚬ Priority boarding ⚬ No foreign exchange fees ⚬ 2 United Club passes per year ⚬ Primary auto rental collision damage waiver ⚬ Up to $100 Global Entry or TSA Pre-check credit ⚬ 25% back on United in-flight purchases

Note: You may be targeted for a better offer. Details here.. This card is known to be subject to Chase's 5/24 rule

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.

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

$149 Annual Fee

Recent better offer: Up to 65K: 40K after $1K spend in 3 months; additional 15K after spending $15K total in first year (Expired 8/23/18)

FM Mini Review: Great for frequent Southwest flyers.


Card Type: Visa Signature or Platinum

Earning rate: 2x Southwest and Rapid Rewards hotel and car rental purchases

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 ⚬ Earn 1,500 TQPs for each $10K in purchases up to $100K

Noteworthy perks: ⚬ 7,500 anniversary points each year ⚬ $75 Southwest annual travel credit ⚬ Four A1-15 boardings every year ⚬ 20% back on in-flight drinks, Wi-Fi, messaging, and movies

Note: This card is expected 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.

Chase United MileagePlus® Club Card
50K miles
50K after $3K spend in 3 months

$450 Annual Fee

Recent better offer: It is common to receive a targeted offer with the first year fee waived

FM Mini Review: While pricey, the Chase United MileagePlus® Club Card is a great choice for those who want a United club membership and waived close-in award fees.


Card Type: Visa Signature

Earning rate: ⚬ 2X United ⚬ 1.5X everywhere else

Noteworthy perks: ⚬ United Club membership ⚬ No fees on close-in awards ⚬ Priority check-in, security screening, baggage handling, and boarding ⚬ Free 1st and 2nd checked bags ⚬ Hertz President's Circle Elite Status ⚬ Hyatt Discoverist elite status ⚬ Primary auto rental collision damage waiver

Note: You may be targeted for a 75K offer on this card. Details here.. This card is known to be subject to Chase's 5/24 rule.

Jump to: Amex, BOA, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells, Other

Chase Cards / Hotels

Also see: Chase Ultimate Rewards Cards, Chase Airline Cards, Chase Cash Back Cards

Chase World of Hyatt Credit Card
Up to 60K points
60K points: 40,000 points after $3K spend in 3 months + 20,000 points after $6K total spend in 6 months

$95 Annual Fee

Recent better offer: None

FM Mini Review: Great card for signup bonus and annual free night. Might be worth using regularly for additional free night and as a path to status.


Card Type: Visa Signature

Earning rate: ⚬ 2X restaurants / cafes / coffee shops, airlines, local transit, fitness clubs and gym memberships ⚬ 4X Hyatt

Big spend bonus: One free Cat 1-4 night certificate after $15K spend in your cardmember year. ⚬ Get 2 elite qualifying night credits every time you spend $5K in purchases

Noteworthy perks: ⚬ Free category 1-4 night every year upon renewal ⚬ Additional free category 1-4 night after $15K spend in cardmember year ⚬ Discoverist elite status ⚬ 5 elite qualifying nights

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

Chase IHG® Rewards Club Premier Credit Card
Up to 105K points + $50
105K + $50: 100K after $3K spend in 3 months + 5K for adding authorized user + $50 statement credit after first purchase

$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.

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

$95 Annual Fee

Recent better offer: 100K after $5K spend in 3 months


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 Marriott Rewards® Premier Business Plus

Card Type: Visa Signature Business

Earning rate: As of 8/26/18: ⚬ 6X Marriott/SPG ⚬ 4X dining, internet, cable and phone service ⚬ 4X gas stations and shipping ⚬ 2X everywhere else.

Big spend bonus: Gold status with $35K account year spend

Noteworthy perks: As of 8/26/18: 35K free night award each year upon renewal ⚬ Silver status ⚬ 15 elite night credits each calendar year ⚬ Free in-room premium internet

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

Jump to: Amex, BOA, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells, Other

Chase Cards / Cash Back

Also see: Chase Ultimate Rewards Cards, Chase Airline Cards, Chase Hotel Cards

Disney Visa Card
$200 Cash Back
$200 after $500 spend in 90 days

$0 Annual Fee

FM Mini Review: This card only earns 1% back in the form of "Disney Dream Dollars" and the meet & greet is also available on the Disney debit card. However, the current signup bonus makes it worth a look.


Card Type: Visa Signature or Platinum

Noteworthy perks: ⚬ Character meet & greet at a private cardmember area ⚬ 10% off select merchandise purchases of $50 or more at Disney Store and DisneyStore.com

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

AARP Credit Card from Chase
$100 Cash Back
$100 after $500 spend in 3 months

$0 Annual Fee

Recent better offer: $200 after $500 spend in 3 months


Card Type: Visa Signature or Platinum

Earning rate: 3% restaurants and gas stations.

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

Jump to: Amex, BOA, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells, Other

Citi Cards

Citi
App
Tips
To apply for a card within the same brand, must wait 24 months after opening or closing account Hard inquiries are NOT combined when approved same day Max 1 personal card per 8 days Max 2 personal cards per 65 days Max 1 business card per 95 days
Check application status here.
If denied, call reconsideration here:800-695-5171 (personal); 800-763-9795 (business)
If reconsideration # doesn’t work, try the Citi Credit Card Executive Office: 423-477-6858

Citi Cards / ThankYou Points

Also see: Citi Airline Cards, Citi Hotel Cards, Citi Cash Back Cards

Citi ThankYou Premier Card
60K points
60K after $4K spend in 3 months

No Annual Fee First Year, Then $95

Recent better offer: None

FM Mini Review: One of the best all-around travel rewards cards: Very strong earnings for spend. Excellent bonus categories. Points transferable to select airlines.


Card Type: Mastercard World Elite

Earning rate: ⚬ 3X travel and gas ⚬ 2X dining and entertainment

Noteworthy perks: With this card, ThankYou points become worth 1.25 cents each towards travel; or transfer points to airline partners

Citi Business ThankYou Card
20K miles
20K after $2K spend in 3 months

$0 Annual Fee


Card Type: Mastercard World

Earning rate: 3X rotating quarterly categories

Noteworthy perks: Anniversary bonus on base earnings each membership year. (1% in year 1, 2% in year 2 and 3% in year 3 and beyond.)

Note: This card is available in-branch only and is not available online. The bonus may vary by region and can be as high as 40K.

AT&T Access Card
10K points
10K ThankYou Points after $1K Spend in 3 Months

$0 Annual Fee

FM Mini Review: Good choice for those who shop often online (thanks to 2X earnings). Or, better yet, start with this card and then product change to the AT&T Access More card.


Card Type: Mastercard World

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

Jump to: Amex, BOA, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells, Other

Citi Cards / Airlines

Also see: Citi ThankYou Cards, Citi Hotel Cards, Citi Cash Back Cards

CitiBusiness AAdvantage Platinum Select World MasterCard
70K miles
70K after $4K spend in 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

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
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

Citi AAdvantage® Executive World Elite MasterCard®
75K miles
75K after $7.5K 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

Jump to: Amex, BOA, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells, Other

Citi Cards / Hotels

Also see: Citi ThankYou Cards, Citi Airline Cards, Citi Cash Back Cards

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

Jump to: Amex, BOA, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells, Other

Citi Cards / Cash Back

Also see: Citi ThankYou Cards, Citi Airline Cards, Citi Hotel Cards

Costco Anywhere Business Visa

Card Type: Visa Signature

Earning rate: ⚬ 4% gas (up to $7K spend / year) ⚬ 3% restaurant & travel ⚬ 2% Costco ⚬ 1% everywhere else

Note: Requires Costco membership. Cash back provided annually with February billing statement as rewards coupon redeemable for cash or merchandise at Costco

Costco Anywhere Visa

Card Type: Visa Signature

Earning rate: ⚬ 4% gas (up to $7K spend / year) ⚬ 3% restaurant & travel; 2% Costco ⚬ 1% everywhere else

Note: Requires Costco membership. Cash back provided annually with February billing statement as rewards coupon redeemable for cash or merchandise at Costco

Citi Double Cash Card
None
None

$0 Annual Fee

Recent better offer: None

FM Mini Review: For those who prefer cash back, it's hard to beat 2% cash back and no annual fee. Use a different card when traveling internationally due to this card's foreign exchange fee.


Card Type: Mastercard World Elite

Noteworthy perks: 1% cash back when you make a purchase + 1% cash back when you pay for those purchases

Jump to: Amex, BOA, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells, Other

Discover

Discover
App
Tips
No known rules against getting same card & bonus again, but you must wait just over 12 months from previous app. You can have maximum of 2 Discover cards. 1st card must be open for a year before applying for second.
Click here to check your application status
If denied, call reconsideration here: 888-676-3695
Discover it® for Students
$50 + First Year Double + $20/year
Get $50 after first purchase. All cashback earned in first 12 months will be doubled including 5% earned in rotating categories. Plus, get $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.

$0 Annual Fee

FM Mini Review: In my opinion this is the single best "starter card" for students. It offers great rewards and no annual fee.


Card Type: Discover

Earning rate: 5X in rotating categories, up to $1500 spend per quarter

Noteworthy perks: Discover Cash Back is worth more than face value when redeemed for partner gift cards

Discover it®
$75 + First Year Double
Get $75 after first purchase. All cashback earned in first 12 months will be doubled including 5% earned in rotating categories.

$0 Annual Fee

FM Mini Review: This is a great choice for its rotating 5% categories


Card Type: Discover

Earning rate: 5X in rotating categories, up to $1500 spend per quarter

Noteworthy perks: Discover Cash Back is worth more than face value when redeemed for partner gift cards

Discover it Miles - Double Miles your first year
$50 + First Year Double
Get $50 after first purchase. All miles earned in first 12 months will be doubled. This makes this a 3% cash back card for the first year.

$0 Annual Fee

FM Mini Review: Great card to get for its first year 3% cash back. Good card to keep for its annual $30 in-flight reimbursement.


Card Type: Discover

Earning rate: 1.5 miles per dollar for all spend.

Noteworthy perks: ⚬ No foreign transaction fees ⚬ Free in-flight wifi (up to $30 per year) ⚬ Redeem miles for travel or for cash back (1 cent per mile either way)

See also: Discover introduces a new card and a potentially VERY lucrative 1st year offer

Discover it Business - Double cash back your first year
First Year Double
All cash back earned in first 12 months will be doubled. This makes this a 3% cash back card for the first year.

$0 Annual Fee

FM Mini Review: Great card to get for its first year 3% cash back.


Card Type: Discover

Earning rate: 1.5% cash back for all spend.

Noteworthy perks: ⚬ No foreign transaction fees ⚬ Redeem cash back in any amount

See also: New Discover Business card: effective 3% back first year

Jump to: Amex, BOA, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells, Other

TD Bank

TD App
Tips
Call (888) 561-8861 to check your application status
TD Aeroplan™ Visa® Credit Card
25K miles
25K after $1K spend in 3 months

No Annual Fee First Year, Then $95


Card Type: Visa Signature

Earning rate: 2X Aeroplan miles per dollar spent on Air Canada purchases

TD Business Solutions Visa
$300 Cash Back
$300 after $3K spend in 90 days

$0 Annual Fee

Recent better offer: None


Card Type: Visa

Earning rate: ⚬ 3% phone, internet and cable services ⚬ 2% dining and gas stations

TD First Class Visa Signature® Card
25K points
25K: 15K after first purchase + 10K after $3K spend in first 6 billing cycles.

No Annual Fee First Year, Then $89


Card Type: Visa Signature

Earning rate: 3X travel & dining

TD Cash Visa Credit Card
$200 Cash Back
$200 after $500 spend in 90 days.
(Offer Expires 3/5/18)

$0 Annual Fee

Recent better offer: None


Card Type: Visa Signature

Earning rate: ⚬ 3% dining ⚬ 2% grocery stores

Jump to: Amex, BOA, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells, Other

US Bank Cards

USB
App
Tips
Consider freezing 2 credit bureaus before applying
(or maybe not!)
No known rules against getting same card & bonus again Hard inquiries may be combined into 1 when approved same day
Call (800) 947-1444 to check your application status.
If denied, call reconsideration here: 800-947-1444 or 800-685-7680
U.S. Bank Altitude Reserve Visa Infinite Card
50K points
50K after $4.5K spend in 90 days

$400 Annual Fee

FM Mini Review: With points worth 1.5 cents each towards travel, this card offers an excellent signup bonus. For ongoing use, this card is a winner for those who spend a lot on mobile payments (at 3X, rewards are worth 4.5%)


Card Type: Visa Infinite

Earning rate: 3X travel and mobile wallet payments

Noteworthy perks: ⚬ $325 in travel credits per membership year ⚬ Points worth 1.5 cents each towards travel ⚬ Priority Pass Select airport lounge access (4 per year) ⚬ 12 free Gogo Wifi passes per year ⚬ Primary car rental coverage ⚬ No foreign transaction fees

See also: US Bank Altitude Reserve Complete Guide

U.S. Bank FlexPerks® Travel Rewards Visa Signature® card
26,667 points
26,667 points 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

U.S. Bank FlexPerks® Business Edge Travel Rewards Visa® Card
26,667 points
26,667 points 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

U.S. Bank FlexPerks® Gold American Express® card
30K points
30K after $2K spend in 4 months

$85 Annual Fee

FM Mini Review: I don't see much use for this card past the signup bonus. Cancel when the next annual fee comes due.


Card Type: Amex Credit Card

Earning rate: ⚬ 3X restaurants ⚬ 2X gas stations and airlines

Noteworthy perks: ⚬ $25 airline fee credit when points are redeemed for flights ⚬ One time TSA PreCheck or Global Entry fee credit

See also: US Bank FlexPerks Gold Amex: The best new option for dining, but is it worth it?

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

$75 Annual Fee

Recent better offer: 45K after $3K spend targeted (last reported 3/1/2016)

30K: 15K after first purchase + 15K after $2k spend in 90 days

25K: 15K after first purchase, 10K after $2K spend in first 3 months (Expired 1/18)


Card Type: Visa

Earning rate: 2X Korean Air

Noteworthy perks: ⚬ 2 Korean Air VIP Lounge coupons each year ⚬ 2,000 bonus points upon renewal ⚬ No foreign transcation fees

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

$80 Annual Fee

Recent better offer: 40K after $2.5K spend targeted (last reported 2/26/2016)

30K: 15K after first purchase + 15K after $2k spend in 90 days

25K: 15K after first purchase, 10K after $2K spend in first 3 months (expired 1/18)


Card Type: Visa Signature

Earning rate: 2X Korean Air

Noteworthy perks: ⚬ 2 Korean Air VIP Lounge coupons each year ⚬ 2,000 bonus points upon renewal ⚬ No foreign transcation fees

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

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

LATAM Visa Signature issued by US Bank
20K miles
20K miles after first use.

No Annual Fee First Year, Then $75


Card Type: Visa Signature

Earning rate: 2X on spending with LAN & TAM

Noteworthy perks: ⚬ 4,000 Bonus Miles (6,437 kms) every year at renewal ⚬ 25% flight bonus when flying on LAN ⚬ 3 upgrade coupons each year on LAN ⚬ 20% off (up to $1,000) your first LATAM Airlines purchase one time per year

Note: US Bank may also approve you for their non-Signature Visa which comes with a 15K bonus and lesser benefits.

Korean Air SKYPASS Select Visa issued by US Bank
15K miles
15K miles after $1.5K spend in 90 days

$450 Annual Fee

Recent better offer: 30K after $3K in 90 days

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

Jump to: Amex, BOA, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells, Other

Wells Fargo

Wells Fargo
App
Tips
Must have existing banking relationship before getting approved for most cards Limit one signup bonus per 16 months Hard inquiries are combined when approved same day
Check application status here.
If denied, call reconsideration here: 1-866-412-5956
Wells Fargo Business Platinum Visa® card
$500 Cash Back
$500 after $5K spend in the first 3 months OR no signup bonus if you choose to earn points instead of cash back
(Offer Expires 9/30/18)

$0 Annual Fee

FM Mini Review: You must have a Wells Fargo checking or savings account that has been open for at least 12 months in order to apply online


Card Type: Visa

Earning rate: 1.5% cash back everywhere if you choose the cash back program (note that you must opt in to the cash back program at account opening to get the signup bonus and 1.5% everywhere. If you choose points, this card earns 1x everywhere and a bonus 1,000 points in any statement period that you spend $1,000 or more.

Wells Fargo Rewards Visa® card
Up to 50K bonus points
5x rewards points on up to $12,500 in gas, grocery, and drugstore purchases for 6 months (that's 1x normal earnings plus 4x bonus)

$0 Annual Fee


Card Type: Visa

Earning rate: 5X gas, grocery, drugstore for 6 months

Note: You may be able to get a 10K sign-up bonus if you are targeted or by applying in-branch.

Wells Fargo Visa Signature Card
Up to 50K bonus points
5X rewards points on up to $12,500 in gas, grocery, and drugstore purchases for 6 months. (that's 1x normal earnings plus 4x bonus)

$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

Wells Fargo Propel World American Express® Card
30K points
30K after $3K spend in 3 months

$0 Annual Fee

FM Mini Review: Combine points with the Wells Fargo Visa Signature to get 1.5 cents per point in value towards travel (or 1.75 cents per point if you spend $50K per year on the Visa Signature and combine your points).


Card Type: Amex Credit Card

Earning rate: 3X flights, hotels, homestays, car rentals, dining, gas, rideshares, transit, and streaming services

Jump to: Amex, BOA, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells, Other

Other Banks and Offers

CNB Crystal Visa Infinite Credit Card

Card Type: Visa Infinite

Earning rate: ⚬ 3X gas, grocery, airline, hotel, taxi, limousine, rental car, train bus, restaurant, fast food and takeout food and dining purchases ⚬ 1X everywhere else

Noteworthy perks: ⚬ Up to $250 a year in statement credits for airline incidental fees ⚬ $100 Global Entry fee reimbursement ⚬ Priority Pass lounge membership for 2 cardholders. (Includes unlimited guests.)

Note: This offer is only available if you apply in branch. Branches are located in NY, DE, TN, GA, NV & CA. Full list of locations.

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

Avianca Vida Visa Card
40K miles
40K after first purchase with promo code LM17WB

$59 Annual Fee


Card Type: Visa Platinum or Signature

Earning rate: 2X Avianca

Noteworthy perks: 15% discount on the purchase of miles

PenFed Pathfinder Rewards American Express Card
25K points
25K after $2.5K spend in first 90 days

$0 Annual Fee

FM Mini Review: A $100 annual travel credit is terrific for a card with no annual fee.


Card Type: Amex Credit Card

Earning rate: ⚬ 3X or 4X Travel ⚬ 1.5X everywhere else ⚬ 4X travel for Access America
Checking account holders and military members

Noteworthy perks: ⚬ $100 Travel Credit (To be used towards baggage fees, lounge access, onboard food & drink, etc.) ⚬ $100 Global Entry credit ⚬ Amex Offers

See also: PenFed Pathfinder Rewards American Express Card Complete Guide

Cathay Pacific Visa Signature card
40K miles
40K after $2K spend in 90 days

$95 Annual Fee

Recent better offer: 50K after $2,500 spend in 90 days

FM Mini Review: OK option if you have definite plans to use the miles. Miles expire after 3 years even with account activity. Would consider keeping long term ONLY if you spend a lot of money outside of the US


Card Type: Visa Signature

Earning rate: ⚬ 2X Cathay Pacific ⚬ 1.5X dining ⚬ 1.5X purchases outside of the US ⚬ 1X everywhere else

Noteworthy perks: Complimentary green tier membership in the Marco Polo Club for first year of card membership

See also: Best Use of Asia Miles (Cathay) by Travel is Free

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

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)

PNC Premier Traveler® Visa Signature Credit Card
30K "miles"
30K after $3K spend in 3 months from account opening

No Annual Fee First Year, Then $85

FM Mini Review: This is basically a 2% cash back card, but rewards can only be used to offset travel purchases. Signup bonus is good, but due to the annual fee, you can do better after the first year.


Card Type: Visa Signature

Earning rate: 2X everywhere

Noteworthy perks: Redeem miles for travel at value of 1 cent per mile (or for a statement credit at a value of 0.5 cents per mile)

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

Fidelity Rewards Visa
$100 Cash Back
$100 after $1K spend in 3 months.

$0 Annual Fee


Card Type: Visa Signature

Earning rate: 2X everywhere

Noteworthy perks: This card earns 2% cash back on all purchases!

Marvel MasterCard from Synchrony
$25 Cash Back
$25 after first purchase

$0 Annual Fee

Recent better offer: None

FM Mini Review: Good option if used only in 3% categories (e.g. dining and entertainment)


Card Type: Mastercard

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)

Noteworthy perks: 10% off and other discounts at Marvel.com

Ebates Cash Back Visa issued by Synchrony Bank
$10 Cash Back
$10 after first purchase

$0 Annual Fee


Card Type: Visa

Earning rate: ⚬ 3% cash back on qualified purchases made through the Ebates portal ⚬ 1% cash back everywhere else.

Ducks Unlimited Visa from First Bankcard

Currently there is no signup bonus for this card, but the bonus categories might make it attractive nonetheless.

$0 Annual Fee

Recent better offer: None

FM Mini Review: Regular 5% categories with no annual fee can be great for those who spend a lot in those categories, but bear in mind that cash back can only be redeemed in $25, $50, $100, and $250 increments.


Card Type: Visa Signature or Platinum

Earning rate: 5% back at gas stations & sporting goods stores

Alliant Cashback Visa Signature Card
3% First Year
Earn 3% cash back first year, then 2.5% thereafter

No Annual Fee First Year, Then $59

FM Mini Review: Great cash back card for everyday spend. Lack of foreign transaction fees makes this card a winner.


Card Type: Visa Signature

Earning rate: 2.5% cash back everywhere

Noteworthy perks: No foreign transaction fees

Note: Join Alliant by donating at least $10 to Foster Care to Success

Jump to: Amex, BOA, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells, Other

Can’t find what you’re looking for?

Please see: How to find the best credit card offers AND support this site.

Denied?

If your application is denied, it is often worth calling the bank to talk to an analyst. They may be able to approve you on the spot after asking a few questions.

Advertiser and Refer-A-Friend Disclosure

Many of the card offers that appear on this site are from companies from which Frequent Miler receives compensation. Please see my full advertiser disclosure here. And, some offers are friend referrals in which we will earn points or other rewards in exchange for successfully referring you through the link shown here.

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Offers for which I receive compensation are shown with credit card images.
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Edgar
Guest
Edgar

Thinking of getting onboard with the Chase Trifecta, can you guys let me know in what order I should apply for the cards? I’m thinking Chase Freedom, Freedom Unlimited and either Reseve or Preffered.. Most of out spending would be on food.

Andrew
Guest
Andrew

BoA Virgin Atlantic White card has an annual fee of $49.

Jiji
Guest
Jiji

Link for AAdvantage Aviator Red World Elite is showing reduced bonus of 50K. If anyone has a working link to 60K, please post. Thank you.

Nick Reyes
Editor

Thanks for pointing that out. I’ve updated it to reflect the 50K offer as I’ve been unable to find a working 60K link. I’ll keep an eye out and update if one pops up.

Kenneth D. McClintock
Guest
Kenneth D. McClintock

American wakes you up and makes a P.A. pitch for that card on all its flights originating or arriving in SJU despite the fact that half of the passengers are Americans residing in PR that are discriminated and disqualified from getting the card. Flight attendants invite you to commit bank fraud inviting one to get someone to let you use their stateside address. You should investigate. If they didn’t allow blacks, women or Jews to qualify, it would be a national scandal!

J
Guest
J

The Korean Skypass offers have expired. It’s now 15,000 points and a $150 statement credit after $2,000 spend.

J

Nick Reyes
Editor

I had updated this after your comment, but just realized I didn’t see the fact that you mentioned a $150 statement credit. Where do you see that offer? I only see 15K after $2K.

J...
Guest
J...

Hi Nick,

I see it here. It was linked to from the banners flipping on the front http://www.wkypassvisa.com page:
http://www.skypassvisa.com/credit/offer.do?redirect=36771&lang=en

J

Nick Reyes
Editor

Thank you! Updated.

Jeff
Guest
Jeff

I just applied and was approved for the Chase Sapphire Preferred 50k offer this past Friday February 23rd.

Should I call now for an upgrade to this offer or wait until I’ve hit the $4K spend?

Judy
Guest
Judy

I waited until I hit the spend and then sent a secured email. I asked nicely and they were very cordial, thanking me for being a customer and posting the additional 10k to my account. Bonus!

Barbara
Guest
Barbara

I applied last month for the Southwest Rapid Rewards Premier and the Southwest Rapid Rewards Business card. I didn’t get instant approvals, which really surprised me. Capital One — the only other credit card I have applied for in the past year — instantly approved me with a 30k credit limit. About two weeks later I got approved for the Southwest business card (with only 5k credit limit!), and two weeks later I was rejected for the premier card. The reason was “too many requests for credit or opened accounts with us.” I have the Freedom, Sapphire, and Sapphire Reserve with Chase, and now the Southwest Business. Nothing else with them. My credit score is 825+ with low utilization ratio and 100% perfect credit in every way. And prior to applying, I reduced my credit limit on my Sapphire from 30k to 10k to ensure they did not consider me to have too much credit with them. I had even considered closing my regular Sapphire, which I use only very rarely, but it is my longest held card and valuable in terms of my credit score.

Anything I can do to get that Southwest Premier or Plus card into my hands? I’m going for the companion pass.

Any thing I

Nick Reyes
Editor

Did you try calling the reconsideration phone number listed at the top of the Chase section on this page?

Frank
Guest
Frank

And offer to give up one of your Sapphire cards too. Why would you want both?

Sam
Guest
Sam

The Marriott Premier 120k offer is gone.

Nick Reyes
Editor

Updated. Thanks!

Nick Reyes
Editor

Citi AA personal 60K link died. Replaced with a new working link.

lisa
Guest
lisa

If I already have the Amex Everyday card, can I still get signup bonus for the Preferred version?

james
Guest
james

if i recently Feb 2018 cancelled my CHASE RESERVE, when would i qualify for a Chase Preferred? would it be 2 yrs from cancellation date of of Feb 2018, or 2 years from when i received my Chase Reserve bonus, which would’be been back in 2016? thanks!

Ron
Guest
Ron

I just tried your referral link for Amex Blue Business Plus Credit Card with the 10,000 point bonus and it said the offer is no longer available. Do you know is there a problem with their system or have they really pulled the offer? Or have you reached your max? If so is there another referral link?
Thanks

Nick Reyes
Editor

Hmm….I just tried it in four different browsers and the link worked in all of them. Maybe try a different device or browser or try clearing cookies?

Ron
Guest
Ron

Thanks it worked !

JOhn
Guest
JOhn

Where is the 5K for secondary user for the Hyatt card? I don’t see it in the link?

Nick Reyes
Editor

That’s a standard on the Hyatt card. The link doesn’t mention it, but people have always gotten it. We’ve never heard a report to the contrary

JOhn
Guest
JOhn

Used the link, got the 5K, but they are say that the $50 statement credit was not part of the offer even though I send them a screencap in the landing page. Any thoughts on how to press this with Chase?

John
Guest
John

On the Marriot 120K offer (which is still valid despite you pulling the link)…the 2x on dining, is that 11x or 20x?

Nick Reyes
Editor

I assume you mean that it’s valid if you signed up under that offer while it’s available — that offer is no longer available for applications as far as I know (I can’t find any working links — if you know of one, let me know and we’ll add it back to this page).

As for the question, the answer is neither. The first $12K in spend for the first year is at 10x total, no matter where you spend it. You don’t get any extra points beyond that for any of the bonus categories. If you spend $1 at Amazon (non-bonus category), you’ll get 1 base point and 9 “bonus” points. If you spend $1 at a restaurant, you’ll get 2 base points and 8 “bonus” points. If you spend at a Marriott, you’ll get 5 base points and 5 “bonus” points. etc. After the first year or first $12K in purchases, you’ll get the bonus categories

John
Guest
John

Thank you for the detailed explanation on the bonus points!

Here is the link to the 120K application that I used earlier this month. (source: FT)
https://applynow.chase.com/FlexAppWeb/renderApp.do?SPID=FQN3&PROMO=DF01&CELL=6H2R

Harold
Guest
Harold

I have a SWA Companion pass and a Chase Sapphire Reserve Card and many Ultimate Rewards Points. If I call the Rewards travel agency and have them book a flight on SWA is that flight eligible for cancellation and can I book a Companion reservation then on SWA site?

Nick Reyes
Editor

Whether or not it’s eligible for cancellation probably just depends on which kind of fare you book (Wanna Get Away vs Anytime vs Business Select).

As for adding a companion after booking, yes. As long as your Rapid Rewards number is tied to your reservation, you can add your comapnion to almost any booking made in your name.

Remember that you could also transfer Ultimate Rewards points to Southwest and then book with Southwest points. You’ll get about the same value and if you cancel, the Southwest points go right back in your account (versus getting a credit that is only valid for 1 year and only for travel in your name, as is the case with paid tickets — and a ticket booked through Chase would work like a paid ticket).

Harold
Guest
Harold

Thanks. Appreciate the quick answer.

Amit
Guest
Amit

Is the capital one $750 for $7500 spend still available? Your link is not working anymore

Nick Reyes
Editor

Unfortunately, that offer appears dead. I’ve updated it to the current best offer: $500 back after $4,500 spend. Thanks for commenting.

Mark D.
Guest
Mark D.

Not sure if it is on purpose but the Spirit Airlines card is not listed under BOA

GeoffB
Guest
GeoffB

When I try to apply for the United MileagePlus Explorer card on your Best Cards list (50k), it asks me for a promo code (since it’s an in-flight offer). What is that code? It also says I can enter a “no-code” code (999999), but will that not get me a lower-level offer?

GeoffB
Guest
GeoffB

Anything on this? Anyone know whether putting in no code still gets the 50k bonus?

Nick Reyes
Editor

Sorry for the slow response. According to the reports I’ve read, it works with the 999999 code (50K offer). I think the only reason for the flight attendant code is for him/her to receive some sort of credit for new signups.

GeoffB
Guest
GeoffB

Gotcha, thanks much!

Jeff
Guest
Jeff

I got the 2 Chase RR cards 1st of January. Then i got the CSP end of February. I’ve now met minimum spend on it and I’m at 3/24. I’m looking at getting the Chase Ink Business Preferred as I have a big expense coming up that will meet the 5K spend in 1 payment.

My question is, should I be applying for a 2nd Chase business card on the same day? And if so, which one? I would like to stay under the 5/24 as long as I can IF I can get approved for their business cards.

Thanks,

Jeff

Nick Reyes
Editor

While it’s possible to get a 2nd Chase business card on the same day with one hard pull, I wouldn’t suggest it right now. With all of the Chase shutdown stories as of late, I wouldn’t push it. Ink Business Preferred apps are almost never instant approval and calling usually isn’t recommended unless denied on the Ink. You’re going to stay under 5/24 with the business cards either way, so I don’t see a worthwhile benefit to applying for both on the same day (and on the contrary think it’ll increase the chances of a shutdown given recent stories).

Doug
Guest
Doug

Just over a year ago, I signed up for the old Hilton Surpass offer that came with a free weekend night after the year 1 anniversary.

I’m wondering if anyone has received that yet, and if so, how long after the anniversary you received the email (apparently they are supposed to email you the certificate/code for the free weekend night)?

Thanks!

Jen
Guest
Jen

I received the email with the certificate/code 1 month after my card anniversary. Hope you get yours too, Doug.

Frank
Guest
Frank

@Nick & Greg

You often do a great job with what to do with cards in the wake of a big change in a particular bank or other program. Could you please do a breakdown of you opinions on what to do with this new Marriott/SPG situation. You have done this for the actual program itself but not specifically for the Credit Cards.

For example, I now have the Marriott personal which I will cancel in the next week or so as well as the SPG personal card (which I plan to keep for a bit and see what happens). What are my best options (forgetting the 5/24 hurdle for a moment)? I think I should get the Marriott Business card this month and then wait and see. But maybe you could do what you have done before where you say: “If you have this card or cards, I suggest you do that before May 3 or before August 1”.

I realize this is just your opinion and may not turn out best but I respect your opinions quite a bit so could you do this? I think I would not be the only one who would like that. Your site is my go-to place whenever I am planning on new cards, which is quite often, 🙂

TomT
Guest
TomT

Please add the Barclay business card application status URL:

https://www.barclaycardus.com/apply/cas/applications/search?PARTNERID=BUSINESS

Jeff S
Guest
Jeff S

Virgin Atlantic link is not working. Not sure if temporary, just tried

Nick Reyes
Editor

Fixed, thanks!

Ivan
Guest
Ivan

Suggested corrections for Uber Visa (based on my own experience): 1) The $50 credit for online subscriptions (Netflix, Spotify, etc.) kicked in immediately after reaching 5K spend in year one, 2) My card has chip with PIN capability — I was able to purchase gas at automated gas stations in Europe using the PIN.

Liz
Guest
Liz

We have not had Capitol One cards before, so do you suggest we get a personal card before a business card or doesn’t it matter?

Frank
Guest
Frank

Greg, you don’t seem to mention Foreign Fees …?

Ogen
Guest
Ogen

Last year, I got 4 Amex Hilton cards (one for each family member) and earned 100K points on each. cool! All the accounts were opened between April and June of 2017. A couple of weeks ago (before the renewal date!) I was notified that I had earned a free weekend night on my own card. Now the card is up for renewal ($95). I have several questions:
– if I don’t renew, will I lose that reward, or has it been banked?
– my wife’s account is also up for renewal (strangely, $75) but has not yet been notified that it has earned the free night. I am confused about the different renewal ratse and am also curious about the free night on that one. Any advice would be appreciated.

Nick Reyes
Editor

First question (will you lose the free night): If you have received the free weekend night certificate (you got a certificate number via email), you can cancel the card if you like — they won’t take that away. If the certificate hasn’t yet been issued and you cancel, you may not receive the cert (so keep the card at least until you have to make a decision).

As for the difference in fee and free night, it’s hard to say without a bit more information about which cards you opened and what the welcome bonus offers were. For example, one offer last year was for 100K points + 1 free weekend night at first anniversary. That offer didn’t last for long — maybe you signed up one person under that offer and someone else wasn’t under that offer?

Ogen
Guest
Ogen

Thanks for the info. I thought the one free night offer lasted until September or November. All my accounts were opened within a month as I thought this was a really good offer. The first spend on my wife’s card was in early May of last year.
The e-mail I received about the reward mentioned a “reward id” and give a 9-digit code.
strangely, the bod of the e-mail contained the following text:
“you’ve met the renweal requirement with your Hilton Honors American Express Ascend Card. You can now start enjoying your one weekend night reward at one of our 5,000+ hotels around the world…where will you go?”
even though I had not yet been charged the renewal fee. I think I will have my wife call and inquire about the free night.

John Rich
Guest
John Rich

I’m thinking about getting the Marriott card that offers 100K points after $3k spend. However, I wonder whether there might be a better offer after the merger, as a way of generating excitement about the new entity. Any thoughts about whether to go after the current card, or to wait until August?

TomT
Guest
TomT

Any reason you do not include the PNC Premier Travel credit card? It has a 30k point bonus equal to $300 and waives the $85 annual fee on the 1st year. https://www.pnc.com/en/personal-banking/banking/credit-cards/pnc-premier-traveler-visa-credit-card.html

Nick Reyes
Editor

Added. Thanks!

Jerry
Guest
Jerry

While ordering an Amtrak ticket online today they offered $100 after the $1000 spend plus the other stuff mentioned. Thanks for the suggestions.

Kenneth D. McClintock
Guest
Kenneth D. McClintock

I am an American who lives in our country’s most populated territory, Puerto Rico, where more Americans live than in any of over 20 states, and virtually none of the credit card offers you highlight are valid here. We’re part of the nation, our banks are US banks, they’re all under the Federal Reserve system. Can you investigate why they discriminate against Americans who happen to be Puerto Ricans?

Brian S
Guest
Brian S

Great article. I really appreciate it. How does the 40K mile bonus stack up to the 10K + $200 bonus that Southwest is offering now? Which one works out to be more?

David
Guest
David

Wife received a mailer for the Citi AAdvantage Gold MC. The offer is 55K after $4K spend in 4 months & 10K for $6K spend in 12 months. The AF is waived 1st year. Earning is a weak 1 mile per $1 spend. Seems like a decent offer since the public offer is 25K. Any opinions?

CuriousGeorge
Guest
CuriousGeorge

Found the answer to my question..deleting comment.

Frank
Guest
Frank

Question on credit hard pulls:
I am looking to change from AT&T wireless to T*Mobile, but the latter wants to do a hard pull on my credit. I have 820+ on Credit Karma, so that’s not a problem, but I do have 10 pulls already for credit cards. I don’t want to jeopardize my hobby by not maximizing my credit applications.
So, does the hard pull from T*Mobile stay there for 2 years; does it count towards Chase’s 5/24, BoA’s 1/2/3 (or whatever it is); any other bank’s rules for new cards?

Nick Reyes
Editor

Yes, the hard pull will stay on your report for 2 years. No, it doesn’t count against the Chase 5/24 rule (and the BOA rule only pertains to BOA credit cards, nothing else). Won’t hurt you. Every cell provided hard pulls for postpaid service. Prepaid service does no pull, but postpaid always does.

Frank
Guest
Frank

Thank you for that reply. Although approved yesterday for new Citi card, I have seen no movement on Credit karma yet … I will just go for it.

JJJ
Guest
JJJ

Not super exciting, but just came across the Ally Bank cashback card with a $100 signup. 2% cash back at gas stations and grocery stores, 1% on everything else. 10% bonus if deposited into an Ally Bank account
https://www.ally.com/credit-cards/cash-back-credit-card/

Dan
Guest
Dan

CapitalOne just denied me for the Venture due to too many credit cards opened in the last 24 months. I’m at 9/24 but excellent credit score. Not sure if CapOne is starting to adopt Chase rules?

TAP
Guest
TAP

Hi everyone, I just applied for the Aviator Red AA 60K, last week and they are are asking me for verification. They’ve requested my driver’s license (front and back copy), SSN, and a receipt of a bill. Has anyone else had this type of experience when applying for a Barclay card?

JayP
Guest
JayP

Citi AA Biz should be 70k and Barclays AA Biz 60k under “best of the best” at the top. They’re right in the list itself, just the name up top is wrong

CuriousGeorge
Guest
CuriousGeorge

Hi can you add.the alaska air 30k plus 100$ link? When I google it.comes in the first.few offers
https://secure.bankofamerica.com/applynow/initialize-workflow.go?requesttype=ICAO&campaignid=4027160

Frank
Guest
Frank

Greg, I have the old IHG card ($49 a year). Can I get the new one ($89) as well? or do I need to get rid of the old one first? Or can I apply for the new one, and give up the old one when denied and ask for recon? Of course I mean “and get the bonus as well”.

I am about 16/24 and have 6 personal and 3 business Chase cards but I am a CPC. Any suggestions? Not likely to ever be under 5/24 this lifetime.

Does my old card still give a free night anywhere?

Frank
Guest
Frank

About the AMEX Platinum card. Just been refused entry for the 3rd time – the lounge was full. This is a useless benefit to me.

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