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
American Express® Gold Card
50K points + 20% back on select purchases
Wells Fargo Rewards Visa® card
Up to 50K bonus points
Wells Fargo Visa Signature Card
Up to 50K bonus points
BOA Alaska Airlines Visa Signature
30K + $100 + Companion Ticket
BOA Alaska Airlines Visa Business Card
30K miles + Companion Ticket
Chase Freedom®
15K 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 Low Spend Offers Best Transferable Points Offers Best Business Card Offers
Best Airline 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
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

Base
Travel
Other

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

American Express® Gold Card
50K points + 20% back on select purchases
50K after $2K spend in 3 months + 20% back as a statement credit at US Restaurants within the first 3 months (up to $100 back).
(Offer Expires 01/09/19)

$250 Annual Fee

FM Mini Review: This card offers an awesome return on US supermarket and dining spend, putting it at or near the top-of-class in both categories.


Card Type: Amex Charge Card

Base
Travel
Dine
Grocery

Earning rate: ⚬ 3X points for flights booked with airlines or on amextravel.com ⚬ 4x points at US Supermarkets (up to $25K in purchases, then 1x) ⚬ 4x 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 ⚬ Up to $10 in statement credits monthly with participating dining partners (enrollment requirement) ⚬ Get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, if available with The Hotel Collection at americanexpress.com/hc

American Express Platinum Card® for Schwab

Card Type: Amex Charge Card

Base
Travel

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

Base
Travel

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

Base
Travel

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 Apply. See Rates & Fees

See also: Maximizing value from Amex Platinum Cards

American Express® Business Gold Card
50K points
50K points after $5K spend in 3 months

$295 Annual Fee

Recent better offer: 75K after $10K spend, targeted -- call to ask for offer. (last reported 11/7/18)

FM Mini Review: This card is pricey for one with few perks. Keep only if you make good use of one or two 4X categories.


Card Type: Amex Charge Card

Base
Travel
Dine
Gas
Biz

Earning rate: Earn 4X on the two categories where your business spends the most each billing cycle from the following categories: ⚬ US purchases at restaurants ⚬ 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. 4X applies to first $150,000 in combined purchases in your two categories each calendar year, 1X point per dollar thereafter and on other purchases. Terms apply. See Rates & Fees

Noteworthy perks: 25% Airline Bonus. Get 25% points back after you use Pay With Points for all or part of a flight booked with American Express Travel if the flight is either on your selected qualifying airline or First or Business class, up to 250,000 points back per calendar year.

The Gold Card from American Express
for Ameriprise Financial

Card Type: Amex Charge Card

Base
Travel
Dine

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

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

Base
Grocery

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 14.99% to 25.99% ⚬ $0 balance transfer fee. Balance transfers must be requested within 60 days from account opening. Terms apply. See Rates & Fees

American Express® Green Card
15K points
15K points after 3K spend in 3 months

No Annual Fee First Year, Then $95

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

Base
Travel

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

Noteworthy perks: None

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

Base
Gas
Grocery

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

$0 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not supply the details nor is it responsible for their accuracy.

Recent better offer: 20K after $3K spend in 3 months (Expired 6/21/17)
10K points after $3K in purchases in the first 3 months (Expired 9/26/18)

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

Base

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 13.24%, 17.24% or 21.24%, 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

Base
Travel

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

Base
Travel
Dine
Shop

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)

Business Green Rewards Card from American Express
5K points
5K points after first purchase

No Annual Fee First Year, Then $95


Card Type: Amex Charge Card

Base
Travel

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

Noteworthy perks: None

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
50K miles
50K miles after $1K spend in the first 3 month

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

Base
Brand

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

Platinum Delta SkyMiles® Credit Card from American Express
60K miles
60K miles after $2K spend in the first 3 months. Terms apply.

$195 Annual Fee

Alternate offer: 35K & 5K MQMs after $1K spend in the first 3 months plus a $100 Delta statement credit after 1st Delta purchase in first 3 months

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 9/18/18)

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


Card Type: Amex Credit Card

Base
Brand

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

Delta Reserve Credit Card from American Express
70K miles
70K miles after $4K spend in the first 3 months. Terms apply.

$450 Annual Fee

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

Base
Brand

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

Gold Delta SkyMiles® Business Credit Card from American Express
30K miles + $50 statement credit
30K miles after $1K spend in the first 3 months + $50 statement credit after first Delta purchase in the first 3 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

Base
Brand

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® Business Credit Card from American Express
35K miles + 5K MQMs + $100 statement credit
35K miles + 5K MQMs after $1K spend in first 3 months plus a $100 statement credit after first Delta purchase in the 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

Base
Brand

Earning rate: 2X Delta

Big spend bonus: Earn bonus miles and MQMs with high spend

Noteworthy perks: Miles Boost®: 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. ⚬ 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

Base
Dine
Brand

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 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

Base
Brand

Earning rate: 2X Delta

Big spend bonus: Earn bonus miles and MQMs with high spend

Noteworthy perks: Miles Boost®: 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. ⚬
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

Base
Travel
Dine
Brand

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

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

Base
Dine
Gas
Grocery
Brand

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

Base
Brand

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

Hilton Honors American Express Card
100K points
100K after $1K spend in 3 months

$0 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

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

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

Base
Dine
Gas
Grocery
Brand

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.

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

No Annual Fee First Year, Then $95


Card Type: Amex Credit Card

Base
Dine
Gas
Phone
Biz
Brand

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 for a redemption level at or under 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 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

Base
Travel
Dine
Gas
Phone
Biz
Brand
Other

Earning rate: ⚬ 12X Hilton spend ⚬ 6X on Select Business & Travel Purchases (flights booked directly with airlines or Amex Travel; car rentals booked directly from select car rental companies; US restaurants; US gas stations; wireless telephone services purchased directly from US service provider; US shipping purchases)

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.

Starwood Preferred Guest Luxury Card from American Express
75K Points
75K points after $5K spend in the first 3 months. Terms apply.
(Offer Expires 10/31/2019)

$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

Base
Travel
Dine
Brand

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

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
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

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

SimplyCash® Plus Business Credit Card from American Express
$500 Cash Back
$500: $250 in statement credits after spending $5K in purchases in the first 6 months + an additional $250 in statement credits after you spend an additional $10K in the first year

$0 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: $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

Base
1%
Travel
3%
Gas
3%
Phone
5%
Office
5%
Biz
3%

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 14.24%-21.24%)

Amazon Business American Express Card
$150 Amazon Gift Card
Eligible Prime members get a $150 Amazon.com Gift Card upon approval. Those without Prime get a $120 gift card.

$0 Annual Fee

FM Mini Review: For Amazon Prime members, this is a great card for Amazon, AWS, and Whole Foods purchases. Note though that Chase and Synchrony offer similar consumer cards.


Card Type: Amex Credit Card

Base
1%
Dine
2%
Gas
2%
Grocery
5%
Shop
5%
Phone
2%
Brand
5%
Other
2%

Earning rate: Prime Members: 5% on US purchases at Amazon Business, AWS, Amazon.com, Whole Foods. 2% Back at US restaurants, US gas stations, and on US wireless telephone services

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

Base
1.5%

Earning rate: 1.5% everywhere

Noteworthy perks: 0% Intro APR for 15 months on purchases and balance transfers, then a variable rate, currently 14.99%-25.99% See rates & fees.

Blue Cash Preferred® Card from American Express
250 Cash Back
$250 cash back after $1K in the first 3 months

$95 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details and is not responsible for their accuracy.

Recent better offer: 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

Base
1%
Gas
3%
Grocery
6%
Shop
3%

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 14.99% to 25.99%.

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

$0 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details and is not responsible for their accuracy.

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

Base
1%
Gas
2%
Grocery
3%
Shop
2%

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 14.99% to 25.99%.

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

Base
1.5X
(2.1%)

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

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

Base
1.5X
(1.5%)
Travel
Dine

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 Amtrak Guest Rewards World Mastercard
20K points
20K 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

Base
Travel
Brand

Earning rate: ⚬ 3X Amtrak ⚬ 2X qualifying travel ⚬ 1X elsewhere

Big spend bonus: Earn 1,000 Tier Qualifying Points towards elite status for each $5K spent in a calendar year. Limit 4,000 TQPs per year. Ability to transfer up to 25,000 points to hotel partners after $20K calendar year spend.

Noteworthy perks: ⚬ 5% Amtrak Guest Rewards point rebate on redemptions ⚬ Complimentary companion coupon ⚬ One-Class Upgrade and a single-day ClubAcela pass each year.

See also: Amtrak Guest Rewards credit card review

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

Base
Brand

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 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

Base
Brand

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

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

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

Base
Brand

Earning rate: ⚬ 2X Amtrak ⚬ 1X elsewhere

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

See also: Amtrak Guest Rewards credit card review

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

$0 Annual Fee


Card Type: Mastercard

Base
1%
Dine
2%
Gas
3%
Office
3%

Earning rate: 3% gas and office supply stores (up to $250K spend each calendar year); 2% restaurants

Noteworthy perks: When you're a Business Advantage Relationship Rewards client, you can get up to 75% rewards bonus on every purchase you make. Your rewards bonus is based on your enrolled tier – Gold 25%; Platinum 50%; or Platinum Honors 75%

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

$99 Annual Fee


Card Type: Visa Signature

Base
Gas
Grocery
Brand

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

Air France KLM World Elite Mastercard
25K miles
25K after $1K in the first 3 months

$89 Annual Fee


Card Type: Mastercard World Elite

Base
1.5X
(2.1%)
Brand

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

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

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

$0 Annual Fee


Card Type: Mastercard World

Base
1.5X
(1.5%)
Travel

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

Noteworthy perks: When you're a Business Advantage Relationship Rewards client, you can get up to 75% rewards bonus on every purchase you make. Your rewards bonus is based on your enrolled tier – Gold 25%; Platinum 50%; or Platinum Honors 75%

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

$0 Annual Fee


Card Type: Visa Signature

Base
1.5X
(1.5%)

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

Base
1%
Grocery
2%
Shop
2%

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

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

Base
1%
Gas
3%
Grocery
2%
Shop
2%

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

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

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

Base
Brand

Earning rate: ⚬ 3X Virgin Atlantic ⚬ 1X elsewhere

Big spend bonus: 2,500 bonus points with $5K cardmember year spend + an additional 5,000 points with $15K cardmember year spend;

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

$80 Annual Fee


Card Type: Visa

Base
Brand

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 6/24 Rule Arrival+ Only: Difficult to get approved if you’ve opened 6 or more cards with any bank in past 24 months.
Consumer: Click here to check your application status
Business cards: Click here
If denied, call reconsideration here: 866-408-4064
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

Base
Brand

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

Barclaycard Arrival Plus® World Elite Mastercard®
70K Arrival miles
Limited Time Offer: 70K miles after spending $5,000 on purchases in the first 90 days

No Annual Fee First Year, Then $89

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


Card Type: Mastercard World Elite

Base

Earning rate: 2X Miles on all purchases

Noteworthy perks: Get 5% Miles back when redeeming for travel ⚬ Chip wth PIN capability ⚬ No foreign transaction fees ⚬ Redeem miles for travel statement credits at 1 cent per point ⚬ See Rates & Fees

AAdvantage® AviatorTM Business MasterCard®
50K miles
50k miles after 1st purchase within 90 days and payment of the $95 AF

$95 Annual Fee

Recent better offer: 60K miles after first purchase within 90 days [Expired 11/18]


Card Type: Mastercard

Base
Travel
Phone
Office

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

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

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

AAdvantage® AviatorTM Red World Elite MasterCard®
50K miles
50k miles after 1st purchase within 90 days and payment of the $95 AF

$95 Annual Fee

Recent better offer: 60K miles after first purchase within 90 days [Expired 11/18]


Card Type: Mastercard World Elite

Base
Brand

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

JetBlue Business Card
50K miles
50K 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

Base
Dine
Office
Brand

Earning rate: ⚬ 2X restaurants and office supply stores ⚬ 6X JetBlue ⚬ 1X everywhere else

Big spend bonus: Earn Mosaic elite status with $50,000 calendar year spend. Mosaic status good for rest of calendar year and all of next year.

Noteworthy perks: ⚬ Free checked bag ⚬ 5000 bonus points every anniversary ⚬ 10% point rebate on awards ⚬ $100 statement credit w/ purchase of travel package ⚬ 50% savings on in-flight purchases

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

Choice Privileges® Visa Signature® Card issued by Barclays
64K points
64K points: 32K after $1K spend in 90 days + 32K after an additional $2K spend within the first 180 days
(Offer Expires 11/30/18)

$0 Annual Fee

Recent better offer: None. This is the best offer we've ever seen on this card.


Card Type: Visa Signature

Base
Brand

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

Barclays JetBlue Plus Mastercard

FM Mini Review: Frequent JetBlue travelers should seriously consider this card for its terrific perks. The combination of the 10% rebate on awards and the annual 5,000 point bonus make this card a keeper.


Card Type: Mastercard World Elite

Base
Dine
Grocery
Brand

Earning rate: ⚬ 2X restaurants and grocery ⚬ 6X JetBlue ⚬ 1X everywhere else

Big spend bonus: Earn Mosaic elite status with $50,000 calendar year spend. Mosaic status good for rest of calendar year and all of next year.

Noteworthy perks: ⚬ Free checked bag ⚬ 5000 bonus points every anniversary ⚬ 10% point rebate on awards ⚬ $100 statement credit w/ purchase of travel package ⚬ 50% savings on in-flight purchases

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

The Hawaiian Airlines® Business MasterCard® issued by Barclays
60K miles
60K after $1K in the first 90 days

$89 Annual Fee


Card Type: Mastercard World Elite

Base
Dine
Gas
Office
Brand

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

Big spend bonus: Earn up to 40,000 annual bonus miles — 20k miles with $50-$99k annual spend or 40k miles with $100k or more annual spend;

Noteworthy perks: One-time 50% off a companion discount on roundtrip coach travel between Hawaii and North America on Hawaiian Airlines

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

$79 Annual Fee


Card Type: Mastercard World

Base
Dine
Brand

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

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

Noteworthy perks: ⚬ Keep miles from expiring with one purchase every six months. ⚬ No award redemption fee when taxes/fees are paid for with the card.

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

Base
Brand

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

Base
Dine
Grocery
Brand

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 (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

Base
Gas
Grocery
Brand

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

Base
1%
Travel
3%
Dine
4%
Shop
2%

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

Wyndham Rewards Visa issued by Barclays
30K points
30K: 15K after first purchase plus 15K after $2,000 spend in 90 days

$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

Base
Gas
Grocery
Brand
Other

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.

AAdvantage® AviatorTM Silver World Elite MasterCard®

Card Type: Mastercard World Elite

Base
Travel
Brand

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® Miles for Business
Up to 200K miles
Up to 200K miles: 50K after $5K spend in 3 months from account opening. Earn an additional 150K miles when you spend $50K on total purchases within the first 6 months. Limited time offer.

No Annual Fee First Year, Then $95

Recent better offer: None.

FM Mini Review: This card is basically the same as the Spark Cash for Business, but rewards are intended to be used to offset travel purchases. One big advantage over cash back: Capital One allows transfering their "miles" to airline miles at a 2 to 1.5 ratio.


Card Type: Visa Signature

Base

Earning rate: 2X everywhere

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

Capital One® Spark® Cash for Business
Up to $2,000 cash back
Up to $2,000 cash back: $500 after $5K spend in 3 months from account opening plus $1500 cash back after $50K total spend within 6 months from account opening. Limited time offer.

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

Base
2%

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). One big advantage over cash back: Capital One allows transfering their "miles" to airline miles at a 2 to 1.5 ratio.


Card Type: Visa Signature

Base

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® 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

Base
1%
Dine
4%
Grocery
2%
Other
4%

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

Noteworthy perks: Get a monthly statement credit for a Postmates Unlimited monthly membership through Dec. 2019

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

Base
1.25X
(1.71%)

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® 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 are intended to 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

Base

Earning rate: 1.5X everywhere

Noteworthy perks: 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

Base
1.5%

Earning rate: 1.5% everywhere

Capital One® Quicksilver® Cash Rewards Credit Card
$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

Base
1.5X
(1.5%)

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

Base
1%
Dine
3%
Grocery
2%

Earning rate: ⚬ 3% on dining ⚬ 2% on purchases at grocery stores ⚬ 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

Base
Travel
Phone
Biz

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

Base

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 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

Base
Dine
Gas
Phone
Office

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

Base
Travel
Dine

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

Base
Travel
Dine

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
20K points
20K after $500 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 Sapphire Reserve or Sapphire Preferred!


Card Type: Visa Signature or Platinum

Base

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®
15K points
15K after $500 spend in 3 months

$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

Base
Shop

Earning rate: 5X in rotating categories on up to $1,500 spend per quarter. Q4 2018: 5X Wholesale Clubs, Department Stores, and Chase Pay.

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

Base
Travel
Brand

Earning rate: 2X at at participating Rapid Rewards® hotel and rental car partners ⚬ 2X Southwest

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 Explorer Card
Up to 65K miles
Up to 65K miles: 40K after $2K spend in 3 months + 25K after $10K in total purchases in the first 6 months

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

Base
Travel
Dine
Brand

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 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

Base
Brand

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

Base
Brand

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

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

Base
Brand

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: 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 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

Base
Dine
Gas
Office

Earning rate: 2X at restaurants, gas stations, and office supply stores ⚬ 2X United.

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® Plus Card
Up to 60K miles
Up to 60K miles: 40K after $1K spend in 3 months plus 20K after you spend $12K in your first year

$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

Base
Travel
Brand

Earning rate: 2X at at participating Rapid Rewards® hotel and rental car partners ⚬ 2X Southwest

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 Priority Credit Card
Up to 60K miles
Up to 60K miles: 40K after $1K spend in 3 months plus 20K after you spend $12K in your first year

$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

Base
Travel
Brand

Earning rate: 2X at at participating Rapid Rewards® hotel and rental car partners ⚬ 2X Southwest

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 known to be subject to Chase's 5/24 rule.

Chase Southwest Airlines Rapid Rewards Premier Credit Card
Up to 60K miles
Up to 60K miles: 40K after $1K spend in 3 months plus 20K after you spend $12K in your first year

$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

Base
Travel
Brand

Earning rate: 2X at at participating Rapid Rewards® hotel and rental car partners ⚬ 2X Southwest

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

Base
1.5X
(2.1%)
Brand

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

Base
Travel
Dine
Brand
Other

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 be subject to Chase's 5/24 rule.

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

Base
Brand

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

Note: This card is known to be subject to Chase's 5/24 rule. You may be able to find a better offer by logging into your Marriott Rewards account and simulating the steps of a booking. (You do not need to complete a booking.)

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

Base
Gas
Phone
Biz
Brand

Earning rate: 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 believed to not be subject to Chase's 5/24 rule

Chase IHG® Rewards Club Premier Credit Card
80K points
80K points after $2K spend in 3 months

$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

Base
Dine
Gas
Grocery
Brand

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.

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

Base
1%
Dine
3%
Gas
3%

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 Premier Card
50K points
50K ThankYou Rewards points 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

Base
Travel
Dine
Gas
Other

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

Base
Other

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

Base
Travel
Shop
Brand

Earning rate: ⚬ 2 points per $1 on products and services that are purchased directly from AT&T ⚬ 2 points per $1 on all purchases at online retail and travel sites ⚬ 1 point per $1 on all other purchases

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

Base
Travel
Gas
Phone
Brand

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

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

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

Citi AAdvantage Platinum Select World Elite Mastercard
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

Base
Dine
Gas
Brand

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

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

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

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

Base
Brand

Earning rate: 2X AA

Big spend bonus: 10K Elite Qualifying Miles towards elite status when you spend $40K in calendar year

Noteworthy perks: ⚬ First Checked Bag Free ⚬ Admirals Club® access for both primary and authorized users ⚬ 25% savings on eligible in-flight purchases on American Airlines and US Airways flights ⚬ Up to $100 Global Entry or TSA PreCheck application fee credit

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

Base
Brand

Earning rate: 3X Expedia purchases

Big spend bonus: One elite night towards Gold status for each $2.5K in spend each year

Noteworthy perks: Free Expedia+ Silver status

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

$95 Annual Fee


Card Type: Mastercard World

Base
Brand

Earning rate: 4X Expedia purchases

Big spend bonus: 5K anniversary bonus with $10K annual spend

Noteworthy perks: ⚬ $100 annual air travel fee credit ⚬ Expedia+ Gold status

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

Base
1%
Travel
3%
Dine
3%
Gas
4%
Brand
2%

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

Base
1%
Travel
3%
Dine
3%
Gas
4%

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

Base
1%
Shop
5%

Earning rate: 5X in rotating categories, up to $1500 spend per quarter. 2018 Q4 = Amazon.com and Wholesale Clubs.

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

Base
1%
Shop
5%

Earning rate: 5X in rotating categories, up to $1500 spend per quarter. 2018 Q4 = Amazon.com and Wholesale Clubs.

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

Base
1.5%

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

Base
1.5%

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

Base
Brand

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

Base
1%
Dine
2%
Gas
2%
Phone
3%

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

Base
Travel
Dine

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

Base
1%
Dine
3%
Grocery
2%

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

Base
Travel
Shop

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

Base
Travel
Gas
Grocery
Phone
Other

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

Base
Travel
Gas
Phone
Office
Other

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

Base
Travel
Dine
Gas

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

Base
Travel
Gas
Brand

Earning rate: 2X miles on Korean Air, Gas Stations, Hotels

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

Base
Brand

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 Premier Visa Signature Card
100K points
100K: 50K after first purchase + 50K 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

Base
Brand

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 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

Base
Brand

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

Base
Brand

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

Base
Brand

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
30K miles
30K miles after $3K 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

Base
Travel
Brand

Earning rate: 2X miles on Korean Air, Other Airlines, Car Rental, Hotels

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 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

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: Visa

Base

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

Base

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 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

Base
1.5%

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 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

Base
Travel
Dine
Other

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
75K points
75K after $5K spend in 3 months.
(Offer Expires 12/17/18)

$400 Annual Fee

FM Mini Review: This card is really difficult to get, but it's a no brainer to keep since the rewards are worth far more than the card's annual fee.


Card Type: Visa Infinite

Base
Travel
Dine
Gas
Grocery

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

Big spend bonus: Get reimbursed up to $550 for airline lounge club membership after $50K calendar year spend.

Noteworthy perks: ⚬ Up to $250 a year in statement credits for airline incidental fees per card (you can have up to 3 authorized users) ⚬ 12 Gogo In-Flight Wifi passes per card ⚬ $100 Global Entry fee reimbursement ⚬ Priority Pass lounge membership for 2 cardholders. (Includes unlimited guests.) ⚬ Visa Infinite Discount Air Benefit

Avianca Vuela Visa Card
40K LifeMiles
40K after first purchase

$149 Annual Fee

FM Mini Review: Avianca LifeMiles are useful for Star Alliance awards. Miles are valuable for short distance United Airlines flights and for international flights on partners that usually charge high fuel surcharges (such as Lufthansa).


Card Type: Visa Platinum or Signature

Base
Gas
Grocery
Brand

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

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

Base
Travel

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

Base
Dine
Brand
Other

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

Base
Brand

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

Base

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)

Avianca Vida Visa Card
20K LifeMiles
20K after first purchase

$59 Annual Fee

FM Mini Review: Avianca LifeMiles are useful for Star Alliance awards. Miles are valuable for short distance United Airlines flights and for international flights on partners that usually charge high fuel surcharges (such as Lufthansa).


Card Type: Visa Platinum or Signature

Base
Brand

Earning rate: 2X Avianca

Noteworthy perks: 15% discount on the purchase of miles

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

No Annual Fee First Year, Then $125


Card Type: Visa Signature

Base
Other

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

Base
2%

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

Base
1%
Brand
3%
Other
3%

Earning rate: ⚬ 3% cash back for dining, select entertainment, and Marvel purchases
(Select entertainment = Movie Theatres, Video Rental and Game Stores, Theatrical and Concert Promoters, Amusement Parks, Digital Entertainment, Games and Software, Music, Books and Newsstands, Toys and Hobby Stores)

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

Base
1%
Brand
3%

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

Base
1%
Gas
5%
Other
5%

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

Base
2.5%

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.

Generic 2 Affiliate Link Example
Offers for which I receive compensation are shown with credit card images.
Refer A Friend Example
Refer-a-friend offers are shown with this image
Non-Affiliate Link Example
With many of the best offers, I do not receive compensation. This is indicated by the presence of a small “No Affiliate” image

 

Last updated on December 3rd, 2018

1737
Leave a Reply

avatar
1151 Comment threads
586 Thread replies
869 Followers
 
Most reacted comment
Hottest comment thread
484 Comment authors
FrankJeff GrossNick ReyesdanielGreg The Frequent Miler Recent comment authors

This site uses Akismet to reduce spam. Learn how your comment data is processed.

  Subscribe  
Notify of