Filed under weird but true, there are situations where it makes sense to sign up for a credit card that you don’t want in order to get the card you do want. Typically the process requires signing up for a similar card and later calling to product change to the card you really want.
Why in the world would you do this? Below you’ll find reasons and examples…
Card no longer available
When credit cards are discontinued, card issuers sometimes continue to make them available via product changes. In these cases, you can sign up for a similar card now, and later product change to the card you really want. Here are some examples:
Chase Ritz Carlton Rewards Visa Infinite
This discontinued card isn’t for everyone since it comes with a hefty $450 annual fee. That said, it comes with a number of super high-end perks:
- $300 in annual airline fee reimbursements.
- Free Night Award each year upon renewal can be used to book any Marriott portfolio hotel that costs up to 50K points
- Automatic Marriott Gold status
- Earn Marriott Platinum status with $75K spend per account year
- 3 Ritz club level upgrades for rooms booked at the standard rate
- $100 hotel credit for each 2 night or longer paid stay at Ritz or St. Regis properties
- Priority Pass Select airport lounge access with unlimited free guests
- Free authorized users (who also get Priority Pass)
- Global Entry fee reimbursement
This is probably the best card available for setting up yourself and your whole family with Priority Pass lounge access. Yes, the annual fee is steep, but $300 in airline fee reimbursements plus the annual free night certificate can justify the annual fee before even considering the value of the card’s other features.
How to get it: Sign up for the Marriott Bonvoy Boundless Credit Card, wait until the second year annual fee comes due, then call to request a product change to the Ritz card. You may need a high credit limit ($10K or more) to be eligible.
Marriott Bonvoy American Express Card
The main reason to consider this $95 per year card is that it offers a Marriott free night certificate each year good for any hotel that costs up to 35,000 points. This card is no longer available to new applicants.
How to get it: Sign up for the $450 Marriott Bonvoy Brilliant™ American Express® Card, wait until the second year annual fee comes due, then call to request a product change to the $95 card.
Better signup bonus
Sometimes you can get a better signup bonus by signing up for a different card and then later product changing to the card you really want. Here are some examples:
Chase United Gateway Card
The fee-free United Gateway Card usually has a lackluster welcome bonus, but it is available as a product change from the $95 United Explorer MileagePlus Card.
This United Gateway card is special because it offers some of the best features of the $95 version for free. Once you get this fee-free version, I recommend holding onto it forever. It just might come in handy thanks to these features:
- Improved economy saver award availability: As a cardholder, you’ll find more United economy saver awards (on United flights only).
- Last seat standard economy award availability: Standard awards are the higher priced awards that United makes available on their own flights. While I don’t usually recommend booking these, they can be a lifesaver under specific situations. For a personal example, see: Delta delay… United last seat availability to the rescue.
- 25% bonus on miles earned through the MileagePlus X App. The MileagePlus X App offers bonus miles for retail purchases. As a cardholder, you’ll get a 25% bonus. For example, if the app offers 4 miles per dollar at Macy’s, you’ll earn a total of 5 miles per dollar.
- The United MileagePlus Shopping portal sometimes offers better rewards for United cardholders.
Here is the current welcome bonus for the United Explorer Card:
Card Offer |
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$150 cash back ⓘ Non-Affiliate $150 cash back after $3K spend in first 90 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
None ⓘ Non-Affiliate This card no longer features a first-year bonus.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
65k miles ⓘ Affiliate 65k after $6k spend in first 6 months. Terms and limitations apply. (Rates & Fees)$350 Annual Fee |
50K miles ⓘ Affiliate 50K miles after $3K spend in 6 months. Terms apply. (Rates & Fees)$350 Annual Fee |
75K miles ⓘ Affiliate 75k after $10K spend in first 6 months. Terms apply. (Rates & Fees)$650 Annual Fee |
60K Miles ⓘ Affiliate 60K miles after $5K spend in first 6 months. Terms apply. (Rates & Fees)$650 Annual Fee |
55k miles ⓘ Affiliate 55k after $4k spend in first 6 months. Terms and limitations apply. (Rates & Fees)$0 introductory annual fee for the first year, then $150 |
40K miles ⓘ Affiliate 40K miles after $2K spend in first 6 months. Terms apply. (Rates & Fees)$0 introductory annual fee for the first year, then $150 |
10K miles ⓘ Affiliate 10K miles after $1000 spend in the first 6 months. Terms apply. (Rates & Fees)No Annual Fee Note an unusual restriction: Welcome bonus not available if you've had another Delta consumer card in the past 90 days. |
150K points ⓘ Friend-Referral 150K points after $15K spend in the first 3 months. Terms apply. (Rates & Fees)$695 Annual Fee Alternate Offer: Targeted online offer of 170K points after $15K spend in the first 3 months See this post for details. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
150K Points ⓘ Friend-Referral 150K points after $8K spend in 6 months. Terms apply.$695 Annual Fee Alternate Offer: 100K points after $8K in first 6 months + 10x on dining for 6 months (on up to $25K in purchases) Information 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: 150K after $6k spend (referral only, expired 10/23) |
75K Points + 20% back at restaurants ⓘ Non-Affiliate 75K points after $6K in purchases in the first 6 months + 20% back at restaurants for the first 12 months up to $250 back. Terms apply. (Rates & Fees)$250 Annual Fee Information 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: 90K after $6K in the first 6 months + 20% back at restaurants for the first 12 months up to $250 back [Expired 6/8/22] |
40K Points ⓘ Friend-Referral 40K after $3K spend in first 6 months. Terms apply. See Rates & Fees$150 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 60K after $3K spend in first 6 months + 20% off travel and transit purchases for first 6 months. [Expired 8/21/23] |
15K points ⓘ Friend-Referral 15K points after $3K spend in first 3 months. Terms & limitations apply. $95 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
130K Points ⓘ Friend-Referral 130K points after $10K spend in 3 months. Terms apply. (Rates & Fees)$375 Annual Fee Alternate Offer: Some people can find a targeted offer for up to 150K points. See this for more details.. Information 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: (Expired 2/1/24) 130K referral offer after $10K in spend |
This card is no longer available for new applications (Offer Expires 12/31/2099)$0 introductory annual fee for the first year, then $175 Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
Up to $600 ⓘ Friend-Referral 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. Terms Apply. (Rates & Fees)$250 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
10K Points ⓘ Friend-Referral 10K after $1K spend in 3 months. Terms apply.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
15K Points ⓘ Friend-Referral 15K after $1K spend in 3 months. Terms apply.$95 Annual Fee Alternate Offer: Some people click through and find that they are targeted for an offer of 30K points after $2K spend in 3 months. Information 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: 30K after $2K in first 3 months |
$95 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
80K points ⓘ Non-Affiliate 80kK after $6K spend in first 6 months. Terms apply. (Rates & Fees)$695 Annual Fee Information 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 points after 6k spend [Expired 11/8/23] |
None This card is no longer available.No Annual Fee Information 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: None |
$350 back ⓘ Non-Affiliate $350 cash back as a statement credit after $3K in the first 6 months. Terms Apply. (Rates & Fees)$95 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
80K points ⓘ Non-Affiliate 80K after $8K spend in first 6 months. Terms apply. (Rates & Fees)$695 Annual Fee This card is only available to clients that maintain an eligible Schwab brokerage account. Information 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: 100K points + 10x when you Shop Small in the US & at restaurants worldwide [Expired 1/20/22] |
This card is no longer available for new applications No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
15K points + 0% APR for 12 months ⓘ Affiliate 15k points after $3k spend within the first 3 months + 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. (Rates & Fees)No Annual Fee |
$250 back + 0% APR for 12 months ⓘ Affiliate $250 statement credit after $3k spend within first 3 months and 0% introductory APR on purchases for 12 months from the date of account opening. After that, your APR will be a variable rate, 18.49% - 26.49% depending on creditworthiness. (Rates & Fees)No Annual Fee |
$250 back ⓘ Affiliate $250 cash back as reward dollars that can be redeemed as a statement credit after $3K spend in the first 6 months. Terms Apply. (Rates & Fees)$0 introductory annual fee for the first year, then $95 |
Up to $350 back ⓘ Non-Affiliate Up to $350 back: $200 back after $2K in the first 6 months + 10% back at restaurants for the first 6 months up to $150 back. Terms apply. (Rates & Fees)No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
This card is no longer available for new applications No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$125 Amazon Gift Card ⓘ Affiliate Eligible Prime members get a $125 Amazon Gift Card upon approval. Terms apply. (Rates & Fees)No Annual Fee |
This card is not currently available for new applications No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
Limited Time Offer - 175K Points + free night certificate ⓘ Friend-Referral 175K after $6K spend in first 6 months. Free night certificate every year - first certificate is awarded 8-12 weeks after approval. Terms apply. (Offer Expires 4/17/2024)$550 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
Limited Time Offer - 155K points ⓘ Affiliate 155K after $3K spend in 6 months. Terms apply. (Offer Expires 4/17/2024)$150 Annual Fee Recent better offer: 130K + free night certificate after $2K spend in 3 months [Expired 7/19/23] |
175K Points ⓘ Affiliate Limited-time offer: 175K after $8K spend in first 6 months. Terms apply. (Offer Expires 6/5/2024)$195 Annual Fee |
Limited Time Offer - 100K points ⓘ Affiliate 100K after $2K spend in 6 months. Terms apply. (Rates & Fees) (Offer Expires 4/17/2024)No Annual Fee Recent better offer: 70K + free night certificate after $2K spend in 3 months. [Expired 7/19/23] |
This card is no longer available for new applications $0 introductory annual fee for the first year, then $95 Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
Limited Time Offer - 185K Points ⓘ Affiliate 185k points after $6K spend within the first 6 months. Terms apply. (Rates & Fees) (Offer Expires 5/1/2024)$650 Annual Fee Recent better offer: None. this is the best that we've seen. |
Earn 3 Free Night Awards - Valued at up to 50K points each, up to 150K points total. ⓘ Affiliate Earn three 50k free night certificates after $6K spend in the first 6 months. Redemption level up to 50,000 Marriott Bonvoy(R) points for each bonus Free Night Award, at hotels participating in Marriott Bonvoy(R). Certain hotels have resort fees. Terms apply. (Rates & Fees)$125 Annual Fee Recent better offer: 5x50K free night certificates after $8K in spend (expired 3/20/24) |
Limited Time Offer - 155K Points ⓘ Affiliate 155K points after $5K spend in the first 6 months. Terms apply. (Rates & Fees) (Offer Expires 5/1/2024)$250 Annual Fee Recent better offer: None. this is the best that we've seen. |
$200 Cash Back as a statement credit ⓘ Non-Affiliate $200 statement credit after $1K in purchases in first 3 monthsNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$200 Cash Back as a statement credit ⓘ Friend-Referral $200 back as a statement credit after $2K in purchases in first 6 months. Terms apply. No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
Up to 60K miles ⓘ Non-Affiliate Up to 60K miles: 40K miles after $500 in purhcases & payment of the annual fee in the first 90 days + 20,000 miles after $2K in total purchases in first 6 months.$89 Annual Fee |
Up to 70K miles ⓘ Non-Affiliate 60K Miles after $2K spend in 90 days plus 10K miles after adding and making one purchase on an employee card, both within 90 days$99 Annual Fee Recent better offer: Expired 9/11/22: 80K + $99 statement credit after $2K spend in first 90 days |
65K Miles ⓘ Non-Affiliate 65K miles after one purchase in first 90 days by entering any 6 digit code (such as 123456)$99 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
Available by invitation only $195 Annual Fee |
50K Miles ⓘ Non-Affiliate 50k miles after 1st purchase and paying the annual fee within 90 days$99 Annual Fee Recent better offer: Up to 75K: 60K miles after first purchase and 15K after adding an authorized user and making one purchase on that card [Expired 2/24/24] |
Not currently available It appears that this card is not available at this time.$95 Annual Fee Recent better offer: Expired 2/6/23: 80K miles + a $95 statement credit after $2K spend in first 90 days. |
70K Miles ⓘ Non-Affiliate 70K miles after $1K in spend in 90 days and payment of annual fee. Application requires a promo code. Any five digit number (like 00000) will work.$99 Annual Fee Recent better offer: Expired 9/22: 80K after $1K spend in 90 days |
Up to 60K Miles ⓘ Non-Affiliate Up to 60K miles: 50K bonus miles after spending $4K in first 90 days + additional 10K miles after a purchase is made on an employee card in the first 90 days$99 Annual Fee |
15K miles ⓘ Non-Affiliate 15K points after $1K spend in 90 days. Application requires a promo code. Any five digit number (like 00000) will work.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
50K Miles ⓘ Non-Affiliate 50K Miles after $3K spend in 90 days + payment of the annual fee$89 Annual Fee Recent better offer: Expired 1/1/23: 100K Miles after $3K spend in 90 days |
30K Miles + 1 Year Silver status ⓘ Non-Affiliate 30K after $3K spend in 90 days$99 Annual Fee |
40K Miles + 1 Year Gold status ⓘ Non-Affiliate 40K after $3K spend in 90 days$499 Annual Fee |
This card is no longer available for new applications $0 introductory annual fee for the first year, then $89 Recent better offer: None. This is the best we've seen. |
This card is no longer available for new applications $150 Annual Fee This card is no longer available for new applications. |
No longer available This card is no longer available to new applicantsNo Annual Fee |
No longer available This card is no longer available to new applicants$75 Annual Fee |
No longer available This card is no longer available to new applicantsNo Annual Fee |
75K Points ⓘ Non-Affiliate 75K points after $2K spend in first 6 monthsNo Annual Fee Recent better offer: None, this is best we've seen. |
100K Points ⓘ Non-Affiliate 100K points after $2K spend in first 6 months$75 Annual Fee Recent better offer: None, this is best we've seen. |
100K Points ⓘ Non-Affiliate 50K after after $4K spend in first 90 days, additional 50K after a total of $15K spend in first year$95 Annual Fee Recent better offer: None, this is best we've seen. |
$100 Cash back ⓘ Non-Affiliate $100 cash back after $500 spend in the first 90 daysNo Annual Fee Information 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: Expired 10/31/22: $150 after $500 in spend |
10K Points ⓘ Non-Affiliate 10K points after $1K spend in 90 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
50K Points ⓘ Non-Affiliate 50K points after $2K spend in 90 days$89 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
This card is no longer available for new applications No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$100 Cash Back ⓘ Non-Affiliate $100 after $500 spend in 3 monthsNo Annual Fee |
$100 Cash Back ⓘ Non-Affiliate $100 after $500 spend in 3 monthsNo Annual Fee |
none This card is no longer availableNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$300 Cash Back ⓘ Non-Affiliate $300 statement credit after $3000 spend in first 3 monthsNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
75K miles + Companion Fare ⓘ Non-Affiliate 75k miles + Companion Fare ($99 fare + taxes) after $3K spend in 90 days$95 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
75K miles + Companion Fare ⓘ Non-Affiliate 75K miles + Companion Fare ($99 fare + taxes) after $4K spend in 3 months (enter any random 6-digit number for referral code)$95 Annual Fee Information 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: 70K after $4K in 3 months [Expired 4/23] |
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
70K miles + 100XP ⓘ Non-Affiliate 70K miles + 40 XP after $3K in the first 90 days + 60 XP upon approval$89 Annual Fee Alternate Offer: Going through the steps to make a dummy booking at the Air France website may result in an offer that also includes a $100 statement credit. Information 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: 70K miles + 100XP points [Expired 9/23] |
This card is no longer available for new applications $49 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
30K miles 30K after $3K spend in 90 days$99 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
10K miles 10K after after first purchase$80 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
65K points + $100 statement credit ⓘ Non-Affiliate 60K points and $100 statment credit after $1K spend in 90 days plus 5K points for adding an authorized user$0 introductory annual fee for the first year, then $75 Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
25K points worth $250 ⓘ Non-Affiliate 25K after $1K spend in 90 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$200 cash bonus ⓘ Non-Affiliate $200 cash rewards bonus after $1K spend in 90 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$500 statement credit ⓘ Non-Affiliate $500 statement credit after $5K spend in 90 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
None This card is no longer availableNo Annual Fee This card is no longer available Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
60K points ⓘ Non-Affiliate 60K after $4K spend in 90 days$95 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$95 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
75K points ⓘ Non-Affiliate 75K after $5K spend in 90 days$550 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$200 Cash Back ⓘ Non-Affiliate $200 after $1000 spend in 90 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
None This card is no longer available for new applicants.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$300 Cash Back ⓘ Non-Affiliate $300 after $3000 spend in 90 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
30K points ⓘ Non-Affiliate 30K after $3K spend in 90 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
10K Points ⓘ Non-Affiliate 10K after $500 spend in 90 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
45K Points + $100 Voucher + $100 Statement Credit ⓘ Non-Affiliate 45K points plus $100 statement credit and $100 companion voucher after $1K spend in 90 days$0 introductory annual fee for the first year, then $79 Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
None This card is no longer available to new applicants$59 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
20K Points ⓘ Non-Affiliate 20K after $1K spend in the first 90 daysNo Annual Fee |
30K Points ⓘ Non-Affiliate 30K points after $1K spend in 90 daysNo Annual Fee |
25K Points ⓘ Non-Affiliate 25K points after first purchase in 90 days No Annual Fee |
15K miles ⓘ Non-Affiliate 15K after $1K in first 90 days$59 Annual Fee Alternate Offer: You may be targeted for an offer including a $100 statement credit during a dummy booking. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$200 Cash Back ⓘ Non-Affiliate $200 after $1000 spend in 90 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
75K Miles + up to $200 in statement credits ⓘ Non-Affiliate Earn 75,000 bonus miles after $4K spend in 3 months + up to $200 in statement credits when you make an Avelo purchase in your first year + priority boarding on Avelo flights for the first year. (Rates & Fees)$95 Annual Fee Alternate Offer: Airport Kiosk offer of 80K miles after $4K spend in the first 3 months See this post for details. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
75K Miles ⓘ Affiliate 75k miles after $4k spend within first 3 months. (Rates & Fees)$395 Annual Fee Recent better offer: Expired 3/14/22: 100K after $10K spend in 6 months + $200 credit for vacation rental spend in first year |
150K Miles ⓘ Friend-Referral Earn a one-time bonus of 150K miles after $30K spend in the first 3 months$395 Annual Fee Information 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: Expired 3/31/23: 250K Miles after $50K in spend. |
20K miles ⓘ Affiliate Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening. (Rates & Fees)No Annual Fee |
$200 Cash Back ⓘ Affiliate One time bonus: $200 after $500 spend in 3 months from account opening. (Rates & Fees)No Annual Fee |
$200 Cash Back ⓘ Affiliate One time bonus: $200 after $500 spend in 3 months from account opening. (Rates & Fees)No Annual Fee |
$300 Cash Back ⓘ Non-Affiliate Earn a one time bonus: $300 after $3K spend in 3 months from account opening$0 introductory annual fee for the first year, then $95 Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
50K Miles ⓘ Affiliate Earn a one-time 50K miles bonus when you spend $4,500 in the first 3 months. (Rates & Fees)$0 introductory annual fee for the first year, then $95 |
50K Miles ⓘ Friend-Referral 50K after $4,500 spend in 3 months from account openingNo Annual Fee Note: Most Capital One Business credit cards (including this one) DO count against Chase's 5/24 Rule Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
No Longer Available This card is no longer available to new applicants$0 introductory annual fee for the first year, then $95 Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$1200 Cash Back ⓘ Affiliate Earn a one-time cash bonus of $1,200 after $30K spend in the first 3 months. (Rates & Fees)$150 Annual Fee Recent better offer: Expired 3/14/22: $3K after $50K spend in 6 months |
$750 Cash Back ⓘ Affiliate Earn a $750 bonus aftet you spend $6K in 3 months from account opening. (Rates & Fees)No Annual Fee |
$200 Statement Credit ⓘ Non-Affiliate $200 statement credit with $3k spend in the first 90 days$95 Annual Fee |
$100 Amazon Gift Card ⓘ Affiliate $100 Amazon gift card upon approval. Terms apply. No Annual Fee |
Up to $100 Earn up to a $100 Amazon gift card instantly upon approval. Log in to your Amazon account to see what offer you qualify for. Note that you may be offered the Amazon Prime Visa if you are a Prime member.No Annual Fee |
$150 Cash Back $150 statement credit after $500 in purchases in first 3 monthsNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$400 Cash Back ⓘ Non-Affiliate $400 statement credit after $1000 in purchases within first 3 months$49 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
75K Avios ⓘ Affiliate 75K Avios after $5K spend in 3 months $95 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Recent better offer: Expired 7/4/22: 100K after $5K spend |
75K Avios ⓘ Affiliate 75K Avios after $5K spend in 3 months $95 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Recent better offer: Expired 7/4/22: 100K after $5K spend |
75K Avios ⓘ Affiliate 75K Avios after $5K spend in 3 months $95 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Recent better offer: Expired 7/4/22: 100K after $5K spend |
50K points ⓘ Affiliate 50K points after $1K spend in the first 3 months.$69 Annual Fee After clicking through, be sure to manually select the exact Southwest card in which you are interested. This card is subject to Chase's 5/24 rule (click here for details). Recent better offer: 75K after $3K in 3 months [Expired 12/11/23] |
50K points ⓘ Affiliate 50K points after $1K spend in first 3 months $99 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). |
80K points ⓘ Affiliate 80K after $5K spend in first 3 months$199 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). |
50K points ⓘ Affiliate 50K points after $1K spend in the first 3 months.$99 Annual Fee This card is known to be subject to Chase's 5/24 rule. Recent better offer: 75K points after $3K spend in the first 3 months. [Expired 12/11/23] |
50K points ⓘ Affiliate 50K points after $1K spend in the first 3 months.$149 Annual Fee This card is known to be subject to Chase's 5/24 rule. Recent better offer: 75K points after $3K spend in the first 3 months. [Expired 12/11/23] |
100K Miles ⓘ Affiliate 100K miles after $5K spend in first 3 months. (Offer Expires 4/3/2024)$99 Annual Fee After clicking through, be sure to click the link at the top that says, "Are you a small business owner?" to see the business card offers that include this card. You are not eligible for the bonus if you have received the bonus on this card within the past 24 months. Please note that the United EXPLORER Business card (no longer available) is a different product and does not affect your ability to get the bonus on this card. Recent better offer: Expired 11/9/22: 150K (75K after $5K spend in 3 months and another 75K after $20K total spend in six months) |
80K Miles ⓘ Affiliate 80k miles after $5k spend in first 3 months$525 Annual Fee This card is available to you if you do not have any United Club card and have not received a new Cardmember bonus for any United Club card in the past 24 months. Recent better offer: Expired 1/27/23: 100K after $5K spend |
100K Miles ⓘ Affiliate 100K miles after $5K spend in first 3 months.$450 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). |
60K miles ⓘ Friend-Referral 60K miles after $3K spend in 3 months.$0 introductory annual fee for the first year, then $95 This card is subject to Chase's 5/24 rule (click here for details). Information 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: Expired 8/11/22: 70K after $3K spend |
70K Miles + 500 PQPs ⓘ Friend-Referral 70K miles and 500 PQPs after $4K spend in the first 3 months $250 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
30K Miles ⓘ Friend-Referral 30K miles after $1K spend in first 3 monthsNo Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Information 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: Expired 8/11/22: 30K after $1K spend |
60K Points ⓘ Affiliate 60K points after $3K spend in the first 3 months.$95 Annual Fee This card is likely subject to Chase's 5/24 rule (click here for details). |
65K Points ⓘ Affiliate 65K after $4K spend in 3 months$550 Annual Fee Alternate Offer: 70K after $4K spend showing on some accounts when logged-in to Chase Recent better offer: Expired 12/1/22: 80K after $4K spend |
60K points ⓘ Affiliate 60K after $4K spend in 3 months$95 Annual Fee Alternate Offer: There may be elevated offers available by applying in-branch A similar offer with the first year annual fee waived may be found in-branch. YMMV. |
None This card is no longer availableNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
20K points + 5% on gas and groceries for a year ⓘ Friend-Referral Earn 20,000 points (worth $200 cash back) after spending $500 in the first 3 months + 5% cash back on combined gas station and grocery store purchases (not including Target or Walmart) on up to $12,000 spent in the first year.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
20K points ⓘ Affiliate Earn 20,000 points (worth $200 cash back) after spending $500 in the first 3 monthsNo Annual Fee This card is likely subject to Chase's 5/24 rule (click here for details). Recent better offer: Unlimited Double Cash Back for 12 month (expired 1/11/24) |
None ⓘ Non-Affiliate 0% Intro APR for 18 months from account opening on purchases and balance transfers, then a variable APR of 20.24% - 28.999%.No Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Even though this card is marketed as a cash back card, it actually earns Ultimate Rewards points which are redeemable for 1 cent each, or can be combined with other Ultimate Rewards-earning cards to get even more value. This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
75K points ⓘ Affiliate 75K after $6K spend in 3 monthsNo Annual Fee Alternate Offer: If you have a household member with an Ink card, you may prefer the referral offer whereby the referrer can earn 40,000 points and the new account holder can earn 75,000 points after $6,000 in purchases in the first 3 months since it will yield more total points. Recent better offer: 90K after $6K spend in 6 monthd (expired 1/17/24 |
Up to 75K points ⓘ Affiliate 35K after $3K spend in 3 months and an additional 40K points after $6K spend in 6 months. In addition, 10% Business Relationship bonus if you have the Ink Business Cash and a Chase Business Checking account on your first anniversary.No Annual Fee Alternate Offer: If you have a household member with an Ink card, you may prefer the referral offer whereby the referrer can earn 40,000 points and the new account holder can earn 75,000 points after $6,000 in purchases in the first 3 months since it will yield more total points. Recent better offer: 90K after $6K spend in 6 monthd (expired 1/17/24 |
100K points ⓘ Affiliate 100K after $8K spend in 3 months$95 Annual Fee Recent better offer: 80K after $5K spend. Many preferred the 80K offer due to the much lower spend requirement |
None This card is no longer available$0 introductory annual fee for the first year, then $95 |
$1,000 Cash Back ⓘ Affiliate $1K after $10K Spend in 3 Months$195 Annual Fee Alternate Offer: Some have been targeted for 150K after $10K spend via mailer or in the "Just for You" section of their online account. |
Up to 45K points ⓘ Non-Affiliate Up to 45K: 30K after $3K spend plus 1 extra point per dollar for non-bonused spend, up to $15K spend in 6 months.$95 Annual Fee This card is subject to Chase's 5/24 rule. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
60K points ⓘ Affiliate 60K after $5,000 spend in 3 months$199 Annual Fee This card is subject to Chase's 5/24 rule. |
$100 Cash Back $100 after $500 spend in 3 monthsNo Annual Fee This card is believed to not be subject to Chase's 5/24 rule Recent better offer: $200 after $500 spend in 3 months |
None This card is no longer available$49 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
165K Points ⓘ Affiliate 165K points after $3K spend in 3 months (Offer Expires 4/3/2024)$99 Annual Fee Alternate Offer: 100K points after $3K spend, additional 75K points after a total of $8K spend in 6 months This card is subject to Chase's 5/24 rule (click here for details). Recent better offer: 175K after $3K in spend (expired 4/6/23) |
140K points ⓘ Affiliate 140K points $3K spend in 3 months$99 Annual Fee This card is expected to be subject to Chase's 5/24 rule (click here for details). |
100K Points ⓘ Affiliate 100K points after $2K spend in 3 months (Offer Expires 4/3/2024)No Annual Fee Recent better offer: 120K after $2K spend (expired 7/4/22) |
85K Points ⓘ Friend-Referral 85K points after $4K spend in 3 months$250 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
None This card is no longer available$450 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
None This card is no longer available$85 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
5 x 50K Free Night Certificates ⓘ Friend-Referral Earn five 50K free night certifcates after $5K spend in 3 months$95 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Recent better offer: 5 x 50K free night certificates after $5K in spend (expired 1/9/24) |
30K points ⓘ Friend-Referral 30K points after $1K in the first 3 months. Terms apply. No Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Recent better offer: 50K points after $1K in the first 3 months and 50K points after 6 eligible paid nights at Bonvoy hotels. (expired 8/9/23) |
None This card is no longer available$99 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
75K Miles ⓘ Non-Affiliate 75K miles after $3,500 spend in first 4 months$0 introductory annual fee for the first year, then $99 Information 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: None, this is the best we've seen. |
None This card is no longer available$0 introductory annual fee for the first year, then $50 |
15K miles ⓘ Non-Affiliate Earn 10K AA miles after $500 spend in 3 monthsNo Annual Fee |
65K miles ⓘ Non-Affiliate 65K after $4K spend in first 4 months$0 introductory annual fee for the first year, then $99 Alternate Offer: There is an alternative offer of 30K + $400 credit that can be found when doing a dummy booking on aa.com. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
70K miles ⓘ Affiliate 70K miles after $7,000 spend in first 3 months$595 Annual Fee |
None This card is no longer availableNo Annual Fee 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. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
None This card is no longer available$495 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$225 Cash Back ⓘ Non-Affiliate $75 statement credit for every $500 spent within the first 90 days, up to $225No Annual Fee |
60K Points ⓘ Affiliate Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening.$95 Annual Fee |
20K points ⓘ Affiliate 20K points after $1.5K spend in 3 months No Annual Fee |
None This card is no longer availableNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
None This card is no longer available$95 Annual Fee This card is no longer available to new applicants. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
None This card is no longer availableNo Annual Fee |
$100 statement credit ⓘ Non-Affiliate $100 statement credit after $1K Spend in 3 MonthsNo Annual Fee |
20K points ⓘ Affiliate $200 cash back after spending $1.5K in first six months. Note: $200 is awarded as 20,000 Citi ThankYou points.No Annual Fee |
20K Points ⓘ Affiliate 20K points after $1500 spend in the first 6 monthsNo Annual Fee Recent better offer: Expired 9/13/22 - 20,000 points after $750 spend in first 3 months |
No Welcome Bonus ⓘ Affiliate No Annual Fee Requires Costco membership. Cash back provided annually with February billing statement as rewards coupon redeemable for cash or merchandise at Costco |
No Welcome Bonus ⓘ Non-Affiliate No Annual Fee Requires Costco membership. Cash back provided annually with February billing statement as rewards coupon redeemable for cash or merchandise at Costco |
25K points 25K after $2K spend in 3 months$95 Annual Fee |
15K points 15K after $1K spend in 3 monthsNo Annual Fee |
None This card is no longer availableNo Annual Fee |
None ⓘ Non-Affiliate No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
None ⓘ Non-Affiliate No bonus at this time.$400 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
No standard bonus ⓘ Friend-Referral This card is currently unavailable to new applicants.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$100 Cash Back ⓘ Non-Affiliate $100 statement credit after $500 spend in first 90 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$100 + First Year Double ⓘ Friend-Referral Get $100 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. No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$100 Back + First Year Double ⓘ Friend-Referral Get $100 after first purchase. All cashback earned in first 12 months will be doubled including 5% earned in rotating categories. No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$50 + First Year Double + $20/year ⓘ Friend-Referral 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.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
None ⓘ Non-Affiliate There is currently no welcome bonus offered.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
None ⓘ Non-Affiliate No Annual Fee Alternate Offer: Earn a $250 Amazon gift card after $1k spend with our referral link |
This card is no longer available $60 Annual Fee |
None This card is no longer availableNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
None ⓘ Friend-Referral This card is no longer availableNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
None ⓘ Non-Affiliate This card is no longer availableNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
None This card is no longer availableNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
None ⓘ Non-Affiliate This card is no longer availableNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
40K miles ⓘ Non-Affiliate Earn 40K bonus miles after $2.5K in first 3 months$79 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
No Welcome Bonus ⓘ Non-Affiliate This card currently features no welcome offer, but it does offer 5% back on up to $10K in purchases per year at Simon Malls, Simon Mills, and Simon Premium Outlets. No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$200 cash back ⓘ Non-Affiliate 20K points (worth $200) after $3K spend in the first 60 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
12K points ⓘ Non-Affiliate 12K points after $1K spend in the first 3 billing cyclesNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
40K points ⓘ Non-Affiliate 40K points after $2K spend in the first 3 billing cycles (Offer Expires 4/3/2024)$99 Annual Fee Information 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: 30K points after $1K spend in the first 3 billing cycles + 2 companion certificates, 2 upgrade certificates and 2 lounge passes |
$200 Cash Back ⓘ Non-Affiliate $200 in rewards (20K points) after $1K in purchases in first 3 billing cycles.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$200 Back ⓘ Non-Affiliate $200 back after $1K spend in 3 monthsNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
0% APR ⓘ Non-Affiliate 0% introductory APR for the first 12 billing cycles on purchases and balance transfers after account is opened. After that, a variable rate will apply.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
10K points + 10K Tier Credits ⓘ Non-Affiliate 10K points + 10K Tier Credits after $1,500K spend in the first 3 billing cyclesNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
80K points ⓘ Non-Affiliate 80K points after $3K spend in the first 3 billing cycles$89 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
10K miles 10K miles after $5K spend in first 3 billing cycles with promo code SPG2020$70 Annual Fee Note: Basic card earns 1 mile per $2 spent and has a $20 annual fee. To earn 1 mile per $1 spent, choose the "Premium" rewards for $70 annual fee. |
35K points ⓘ Non-Affiliate 35K points after $3K in 3 months$0 introductory annual fee for the first year, then $95 Note that the ongoing annual fee is $0 if you maintain an HSBC Premier checking account (which requires $5K per month in direct deposits to remain fee-free) |
50K points ⓘ Non-Affiliate 50K after $4K spend in 3 months$395 Annual Fee |
No Welcome Bonus ⓘ Non-Affiliate No Annual Fee |
No Welcome Bonus ⓘ Non-Affiliate $0 introductory annual fee for the first year, then $95 Note that the card is only currently available with an M1 Plus membership (membership is free the first year, then $125 per year). The credit card's $95 annual fee is waived with an M1 Plus membership. Note also that the fine print says that the bonus will be paid out within 120 days of the end of the intro offer period. This means the welcome offer could be paid out as late as July 29, 2022. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$150 Cash Back ⓘ Non-Affiliate $150 in rewards (15K points) after $1000 in purchases in first 120 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
50K Points ⓘ Affiliate 50K points after $3K spend in 90 days$95 Annual Fee |
15K Points ⓘ Affiliate 15K points after $1,500 spend in 90 daysNo Annual Fee |
30K miles ⓘ Non-Affiliate 30K after $3K spend in 3 months from account opening$0 introductory annual fee for the first year, then $85 Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
0% APR on balance transfers ⓘ Non-Affiliate 0% APR on balance transfers for first 12 billing cycles following account opening when balance is transferred within the first 90 days No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
3% back for 12 months ⓘ Non-Affiliate 3% cash back for 12 months on up to $20K in purchasesNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
None ⓘ Non-Affiliate There is currently no welcome bonus offered.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
None ⓘ Non-Affiliate NoneNo Annual Fee After $10K in purchases in the elevated categories each anniversary year, you only earn 1% back (or 2% through the end of 2021). Note that you can only apply in the Venmo app. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
35K miles ⓘ Non-Affiliate 35K after $3K spend in 90 days$95 Annual Fee Note that some have received a targeted email offer for 65K miles after $5K spend in 90 days. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
No Welcome Bonus ⓘ Non-Affiliate No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
No Welcome Bonus ⓘ Non-Affiliate No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
Up to $200 in statement credits ⓘ Non-Affiliate $100 credit with 5G phone offer and $100 statement credit after first purchase within 90 days of account opening. No Annual Fee |
No longer available in the US $0 introductory annual fee for the first year, then $95 |
25K points ⓘ Non-Affiliate 25K after $3K spend in first 6 billing cycles.$0 introductory annual fee for the first year, then $89 |
5% Cashback ⓘ Non-Affiliate 5% cashback for 6 months or $6K in spendNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$400 Cash Back ⓘ Non-Affiliate $400 after $3K spend in 90 daysNo Annual Fee |
Up to 50K points (call to apply) ⓘ Non-Affiliate 25K after $5K spend in 3 months + 25K after $50K spend in 12 monthsNo Annual Fee Bonus offer is not available to either current or previous UBS credit cardmembers |
Up to 100K points (call to apply) ⓘ Non-Affiliate 50K after $10K spend in 3 months + 50K after paying 2nd year annual fee$0 introductory annual fee for the first year, then $495 Bonus offer is not available to either current or previous UBS credit cardmembers |
Up to 50K points (call to apply) ⓘ Non-Affiliate 25K after $5K spend in 3 months + 25K after $50K spend in 12 monthsNo Annual Fee Bonus offer is not available to either current or previous UBS credit cardmembers. Note: UBS Business cards DO add to Chase's 5/24 Rule. |
Up to 100K points (call to apply) ⓘ Non-Affiliate 50K after $10K spend in 3 months + 50K after paying 2nd year annual fee$0 introductory annual fee for the first year, then $550 Bonus offer is not available to either current or previous UBS credit cardmembers. Note: UBS Business cards DO add to Chase's 5/24 Rule. |
$150 (call to apply) ⓘ Non-Affiliate $150 after $5,000 spend in 3 months$150 Annual Fee Bonus offer is not available to either current or previous UBS credit cardmembers. Note: UBS Business cards DO add to Chase's 5/24 Rule. |
75K points ⓘ Non-Affiliate 75K after $7500 spend in first 4 months$0 introductory annual fee for the first year, then $95 |
None This card is no longer available$0 introductory annual fee for the first year, then $55 Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
None This card is no longer available$0 introductory annual fee for the first year, then $49 Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$250 cash back ⓘ Non-Affiliate $250 after $2K spend in 120 days$0 introductory annual fee for the first year, then $95 Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
None ⓘ Non-Affiliate None$85 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
50K points ⓘ Non-Affiliate 50K after $4.5K spend in 90 days$400 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
75K points ⓘ Non-Affiliate 75K after $10K spend in 120 days$195 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
20K points ⓘ Non-Affiliate 20K after $1K spend in 90 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
50K points ⓘ Non-Affiliate 50K after $2K spend in 120 days$0 introductory annual fee for the first year, then $95 Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
60K points ⓘ Non-Affiliate 60K after $6K spend in 180 days$0 introductory annual fee for the first year, then $95 Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
20K miles 20K miles after first use.$0 introductory annual fee for the first year, then $75 US Bank may also approve you for their non-Signature Visa which comes with a 15K bonus and lesser benefits. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
40K miles ⓘ Non-Affiliate 40K miles after $4K spend in 90 days$95 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
60K miles ⓘ Non-Affiliate 60K miles after $5K spend in 90 days$450 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
50K miles ⓘ Non-Affiliate 50K miles after $5K in 90 days$95 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$200 Cash Back ⓘ Non-Affiliate $200 after $1000 spend in 120 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
None This card is no longer availableNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$500 Cash Back ⓘ Non-Affiliate $500 cash back after $4500 spend on the account owner's card in first 150 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
none This card is no longer availableNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
20K points ⓘ Non-Affiliate 20K after $1,000 spend in first 3 months.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
60K points ⓘ Non-Affiliate 60K after $4,000 spend in first 3 months.$95 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
None This card is no longer availableNo Annual Fee |
None This card is no longer availableNo Annual Fee |
None This card is no longer availableNo Annual Fee |
None This card is no longer available.No Annual Fee |
$200 Cash Back ⓘ Non-Affiliate $200 after $500 spend in the first 3 monthsNo Annual Fee |
None This card is no longer availableNo Annual Fee |
40K Points ⓘ Non-Affiliate 40K after $1K spend in first 3 monthsNo Annual Fee |
60K Points ⓘ Non-Affiliate 60K after $3K spend in first 3 months$0 introductory annual fee for the first year, then $95 |
None ⓘ Affiliate There is no official welcome bonus, but this card offers the opportunity to earn 1x points on rent when you make at least 5 transactions per billing cycle. Terms apply.No Annual Fee Note that some people see a targeted offer in the Bilt Rewards app to earn 5x points for the first 5 days after being approved and receiving and activating the card. This is not guaranteed, but rather is targeted. Select 'Click Here to Apply' to learn more about the product features, terms and conditions. |
How to get it: Wait for a great offer for the United Explorer MileagePlus Card (e.g. wait for a 60K offer) and sign up. Next, wait until the 2nd year annual fee comes due, then call to product change to the United Gateway Card.
Chase Sapphire Reserve
The Chase Sapphire Reserve card in my opinion is the single best travel rewards card on the market. It offers excellent category bonuses (3X travel & dining), valuable rewards, and excellent travel protections. With the Sapphire Reserve card, Chase Ultimate Rewards points can be cashed out at 1.5 cents each via Chase’s Pay Yourself Back feature. or used to purchase travel at a rate of 1.5 cents per point, or transferred to airline and hotel partners for even more potential value. When you purchase travel with this card, you’re automatically protected in many ways (see: Ultra-Premium Credit Card Travel Insurance). At $550 per year, this card is far from cheap, but it offers $300 per year in automatic travel rebates which go a long way towards minimizing your net cost.
The standard offer for this card has long been 50,000 points after $4K spend in 3 months. That’s an excellent offer, but you can do even better by first signing up for the Chase Sapphire Preferred Card which has a slightly higher standard offer (60K points after $4K spend in 3 months).
How to get the better bonus: Sign up for the $95 Chase Sapphire Preferred Card, wait until the second year annual fee comes due, then call to request a product change to the Sapphire Reserve card.
Citi Double Cash
Citi’s fee-free Double Cash card was always worth considering since it offers 2% cash back on all spend. Now, however, it’s even more exciting: Cash rewards can now be converted to ThankYou Rewards points and used for much more value when paired with a Citi Premier or Citi Prestige card. See our Citi Double Cash Complete Guide to learn more.
The Double Cash card usually doesn’t have a signup bonus. So, a good alternative is to sign up for another consumer Citibank Mastercard that offers a nice signup bonus. Then, later, you can product change to the Double Cash card. Here are the current signup offers for several Citi cards worth considering:
Card Offer 75K Miles ⓘ Non-Affiliate75K miles after $3,500 spend in first 4 months$0 introductory annual fee for the first year, then $99Information 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: None, this is the best we've seen. 60K Points ⓘ AffiliateEarn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening.$95 Annual Fee 70K miles ⓘ Affiliate70K miles after $7,000 spend in first 3 months$595 Annual Fee NoneThis card is no longer available$495 Annual FeeInformation about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
How to get the better bonus: Sign up for one of the above cards, wait until the second year annual fee comes due, then call to request a product change to the Double Cash card. Note that in many cases Citi has rules that prevent you from obtaining a signup bonus for a card that is in the same product family as a card that you closed or earned the signup bonus within the past 24 months (48 months for the AA cards). When you product change from another card to the Citi Double Cash, you will most likely be assigned a new card number. As a result, Citi will count this as having closed the previous account and you’ll therefore have to wait longer to get a card within the same product family.
You are ineligible for the signup bonus
There are plenty of reasons that you may be ineligible for a signup bonus for a card you want. Amex presents the most obvious example thanks to their lifetime rules, but there are similar situations to be found due to various bank’s 24 month or 48 month rules against getting a signup bonus again…
American Express Cards
American Express has a tough “lifetime rule” on most of their welcome bonus offers. You are eligible for the welcome offer only if you’ve never had the same card before. One way around this is to sign up for a card in the same product family that you are eligible for. For example, suppose you want the Hilton Surpass card, but you’ve had it before. You could instead sign up for the Hilton Aspire or the fee-free Hilton card and then later product change to the Hilton Surpass. Amex will generally allow product changes within product families: change from one Hilton card to another, or from one Delta card to another, or from one Membership Rewards card to another. Limitations: you cannot product change from a consumer card to a business card or vice versa. You also cannot product change from a credit card to a charge card or vice versa.
How to get a new welcome bonus with an Amex card you’ve had before: Sign up for a card you’ve never had before which is in the same product family as the one you want. Wait until the second year annual fee comes due, then call to request a product change to the card you want.
Conclusion
Above are a number of situations where it can make sense to sign up for a card other than the one you really want. I presented a number of examples that occurred to me in the course of writing this post, but I don’t at all consider it to be a complete list. So, here’s a challenge to readers: who can come up with the best example that I didn’t present above? Please comment below.