Top 10+ Credit Card Offers

This page contains the best publicly available credit card offers. With some of the offers shown below (the one’s with a credit card image), I’ll earn a commission if you click through and are approved for the card. That said, if a better public offer is available, I always show the better offer even if it means no commissions for me. For additional details, see our Advertiser Disclosure. Advertiser partners include American Express, Barclaycard, Capital One, and CreditCards.com

Below you will find credit card offers sorted from best to worst based on an estimate of first year value.

Calculations

First year values are calculated as: estimated first year value minus estimated first year costs. First year value includes signup bonus points and statement credits. First year costs include the first year annual fee and the opportunity cost of meeting minimum spend requirements.

Please note that valuable perks such as free checked bags, companion passes, airport lounge access, etc. are not included in these calculations.

Full details of how first year value is calculated can be found here: Credit card signup bonus estimation details.

Related Pages

Top 10+ Credit Card Offers

If you’re interested in seeing more than the top 10 offers, simply click “Next” at the bottom of the page, or use the drop down selector at the top to show more than 10 items.

Card / NotesBonus / Annual FeeFirst Year Value Estimate (with notes)
Chase Ink Business Preferred Card Chase Ink Business Preferred Card
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

See also: How to sign up for Chase Ink cards
80K after $5K spend in 3 months

$95 annual fee

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

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
$1302
Chase Sapphire Preferred Card Chase Sapphire Preferred Card
Earning rate: 2X Travel and Dining

Noteworthy Perks: Primary auto rental collision damage waiver

See also: Transferable points programs
55K: 50K after $4K spend in 3 months + 5K for adding authorized user

Annual fee waived first year, then $95

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

Recent better offer: 65K: 60K after $4K spend in 3 months + 5K for adding authorized user

FM Mini Review: Great signup bonus. This may be the single best "starter card" for those eager to get into miles & points.
$954
Chase Ink Cash® Business Credit Card Chase Ink Cash® Business Credit Card
Earning rate: 5X office supplies, 5X cellular/landline/cable; 2X gas and restaurants

See also: How to sign up for Chase Ink cards
50K after $3K spend in 3 months

No annual fee

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

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!
$875
Citi ThankYou Premier Card Citi ThankYou Premier Card
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
50K after $4K spend in 3 months

Annual fee waived first year, then $95

Recent better offer: None

FM Mini Review: Very strong earnings for spend.
$863
The Business Platinum® Card from American Express OPEN The Business Platinum® Card from American Express OPEN
Earning rate: 5X flights and prepaid hotels at Amex Travel; 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
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)
$859

(Airline fee reimbursement valued at 90% of face value)
Virgin Atlantic World Elite Mastercard Virgin Atlantic World Elite Mastercard
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
75K: 20K after first purchase + 50K after $12K spend in 6 months + 5K for adding 2 authorized users

$90 annual fee
$851
The Business Gold Rewards Card from American Express OPEN The Business Gold Rewards Card from American Express OPEN
Earning rate:
Earn 3X on one of your choice, 2X on rest.

3X choices:
-Airfare purchased directly from airlines
-U.S. purchases for advertising in select media
-U.S. purchases at gas stations
-U.S. purchases for shipping
-U.S. computer hardware, software, and cloud computing purchases made directly from select providers

3X and 2X apply to first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter.

Terms apply. See Rates & Fees
50K after $5K spend in 3 months.

Note: You may be eligible for a bigger signup offer. Call Amex to ask.


Annual fee waived first year, then $175

Recent better offer: 75K after $5K spend, targeted -- call to ask for offer. (last reported 2/25/16)
$851
CitiBusiness AAdvantage Platinum Select World MasterCard CitiBusiness AAdvantage Platinum Select World MasterCard
Earning rate: 2X AA, 2X gas (as of 11/15/15)

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

Noteworthy Perks:
-First checked bag free
-Priority Boarding
-Reduced mileage awards
60K after $3K spend in 3 months

Annual fee waived first year, then $95
$791
Citi® Platinum Select AAdvantage® World MasterCard Citi® Platinum Select AAdvantage® World MasterCard
Earning rate: 2X AA

Noteworthy Perks:
-First checked bag free
-Priority Boarding
-10% rebate on AA awards (up to 10K per year)
-Reduced mileage awards
60K after $3K spend in 3 months

Annual fee waived first year, then $95
$791
Chase Southwest Airlines Rapid Rewards® Premier Business Card Chase Southwest Airlines Rapid Rewards® Premier Business Card

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.
60K after $3K spend in 3 months

$99 annual fee

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

Recent better offer: None. This is the highest public offer we've seen.
$756
Chase Sapphire Reserve Card Chase Sapphire Reserve Card
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

See also: Sapphire Reserve Complete Guide
50K after $4K spend in 3 months

$450 annual fee

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

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
$728

(Travel reimbursement valued at 90% of face value)
Avianca Vuela Visa Card Avianca Vuela Visa Card
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
60K after first purchase with promo code LM17WB

$149 annual fee
$691
Chase Hyatt Visa Signature Chase Hyatt Visa Signature
Earning rate: 2X restaurants, airlines, car rentals. 3X Hyatt

Big spend bonus: Spend $50K in calendar year to get mid-tier Explorer status

Noteworthy Perks: Discoverist elite status; Free category 1-4 night every year upon renewal
40,000 points + 5K: 40,000 points after $2K spend in 3 months + 5,000 points for adding authorized user

$75 annual fee

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

You may be able to get an offer including a $50 statement credit by creating a dummy booking on the Hyatt website and going to the final booking screen.

Recent better offer: 2 nights + 5K + $50 statement credit: 2 free nights after $2K spend in 3 months + 5,000 points for adding authorized user + $50 statement credit after your first purchase

FM Mini Review: Great card for signup bonus. May be worth keeping for annual free night. There are better choices of cards to use for spend.
$683
Capital One® Spark® Cash for Business Capital One® Spark® Cash for Business
Earning rate: 2% everywhere
$500 after $4,500 spend in 3 months from account opening

Annual fee waived 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.
$675
Platinum Delta SkyMiles® Business Credit Card from American Express Platinum Delta SkyMiles® Business Credit Card from American Express
Earning rate: 2X Delta

Big spend bonus: Earn 10K bonus miles and MQMs (towards elite status) after $25K spend and another 10K bonus miles and MQMs after $50K spend per calendar year. Terms and limitations apply.

Noteworthy Perks: Free domestic economy companion certificate after first year. Priority boarding and free checked bags.

Terms and Limitations Apply. See Rates & Fees

See also: An Analysis of the Platinum Delta SkyMiles credit card
35K miles + 5K MQMs after $1K spend in first 3 months + $100 statement credit after Delta purchase in 1st 3 months. Terms and limitations apply.

$195 annual fee

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
$669

(MQMs valued at 3 cents each. Statement credit valued at 90% face value.)
Platinum Delta SkyMiles® Credit Card from American Express Platinum Delta SkyMiles® Credit Card from American Express
The affiliate offer for this card has expired and it is temporarily unavailable through Frequent Miler

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 and free checked bags.

Terms Apply. See Rates & Fees

See also: An Analysis of the Platinum Delta SkyMiles credit card
35K miles + 5K MQMs after $1K spend in first 3 months + $100 statement credit after Delta purchase in 1st 3 months. Terms apply.

$195 annual fee

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
$669

(MQMs valued at 3 cents each. Statement credit valued at 90% face value.)
The Platinum Card® from American Express The Platinum Card® from American Express
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.
-$100 Global Entry fee reimbursement.
-Airport lounge benefits.
-Rental car elite status.
-SPG Gold status.
-Hilton HHonors Gold status.
-Free Boingo wifi
-Free Gold card AUs.

Terms & Conditions Apply. See Rates & Fees

See also: Maximizing value from Amex Platinum Cards
60K after $5K spend in 3 months

$550 annual fee

Recent better offer: 100K after $3K spend direct link (last reported 5/10/16)
$663

(Airline fee reimbursement valued at 90% of face value)
The Platinum Card® from American Express Exclusively for Morgan Stanley The Platinum Card® from American Express Exclusively for Morgan Stanley
Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

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: 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?
60K after $5K spend in 3 months

$550 annual fee

This card includes all of the great perks that come with the American Express Platinum Card, plus a few perks specific to Morgan Stanley. Note: You must have an eligible Morgan Stanley brokerage account to apply (this IS enforced)

Recent better offer: None.

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
$663

(Airline fee reimbursement valued at 90% of face value)
American Express Platinum Card® for Schwab American Express Platinum Card® for Schwab
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.

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:
-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.

See also: Which is the best Amex Platinum card?
60K after $5K spend in 3 months

$550 annual fee

This card includes all of the great perks that come with the American Express Platinum Card, plus a few perks specific to this Schwab branded version. Card is only available to clients that maintain an eligible Schwab brokerage account.

Recent better offer: None.
$663

(Airline fee reimbursement valued at 90% of face value)
Chase United MileagePlus® Explorer Card Chase United MileagePlus® Explorer Card

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
50K after $3K spend in 3 months + 5K for adding an authorized user

Annual fee waived first year, then $95

You may be targeted for a better offer. Details here.

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

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)
$652
Chase United MileagePlus® Explorer Business Chase United MileagePlus® Explorer Business

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
50K after $3K spend in 3 months

Annual fee waived first year, then $95

You may be targeted for this same offer with a $50 statement credit. Details here.

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

Recent better offer: 50K after $2K spend. (Last reported in 4/2016)
$652
Chase Southwest Airlines Rapid Rewards® Plus Card Chase Southwest Airlines Rapid Rewards® Plus Card

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.
50K after $2K spend in 3 months

$69 annual fee

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

Recent better offer: 60K after $2K spend in 3 months (Expired 10/9/17)
$651
Lufthansa Miles & More® Premier World MasterCard®  issued by Barclaycard Lufthansa Miles & More® Premier World MasterCard® issued by Barclaycard
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
50K: 20K after first purchase & 30K after $5K spend in 90 days

$89 annual fee

Recent better offer: None. This is the best we've seen.
$611
U.S. Bank Altitude Reserve Visa Infinite Card U.S. Bank Altitude Reserve Visa Infinite Card
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
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%)
$608

($325 in annual travel credits nearly as good as cash)
AAdvantage® AviatorTM Red World Elite MasterCard® AAdvantage® AviatorTM Red World Elite MasterCard®
Earning rate: 2X AA; 1X everywhere else

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
50k miles after 1st purchase within 90 days and payment of the $95 AF

$95 annual fee

Recent better offer: 60K After first purchase in 3 months and payment of the $95 annual fee (Expired 2/18)
$605
Chase Iberia Visa Signature® Card Chase Iberia Visa Signature® Card
Earning rate: 3X Iberia, British Airways, Aer Lingus, LEVEL and OpenSkies; 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
75K:
-50K after $3K spend in 3 months
-Additional 25K after $10K total spend in 1st year


$95 annual fee

Early reports indicate that this card is not subject to 5/24
$600
Chase British Airways Visa Signature® Card Chase British Airways Visa Signature® Card
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.
75K:
-50K after $3K spend in 3 months
-Additional 25K after $10K total spend in 1st year


$95 annual fee

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

You may also be able to find a 50K offer with the annual fee waived the first year. For the latest info, see this Flyertalk thread.

Recent better offer: 100K:
-50K after $3K spend in 3 months
-Additional 25K after $10K total spend in 1st year
-Additional 25K after $20K total spend in 1st year (Expired 10/17)
$600
CNB Crystal Visa Infinite Credit Card CNB Crystal Visa Infinite Credit Card
There appears to be an in-branch offer on this card for 50,000 bonus points after $5,000 in spend in the first 90 days. See this post for more detail.

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

Noteworthy Perks:
-Up to $250 a year in statement credits for airline incidental fees;
-$100 Global Entry fee reimbursement.
-Priority Pass lounge membership for 2 cardholders. (Includes unlimited guests.)
50K after $5K spend in 3 months.

$400 annual fee

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

Recent better offer: 70K after $5K spend in 3 months
$588

($250 airline fee reimbursement valued at 90% face value. Assume 2 cards (primary + authorized user))
The Plum Card® from American Express OPEN The Plum Card® from American Express OPEN
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.

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

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

Annual fee waived first year, then $250
$585
Hilton Honors American Express Aspire Card Hilton Honors American Express Aspire Card
Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

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
100K after $4K spend in 3 months.

$450 annual fee

Recent better offer: None. Card is new as of 1/18/18

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..
$551

($250 airline fee reimbursement estimated at 90% value; $250 Hilton resort credit estimated at 2/3rd value; Free weekend night upon signup estimated at $225)
Starwood Preferred Guest® Business Credit Card from American Express Starwood Preferred Guest® Business Credit Card from American Express
Earning rate: 2X Starwood and Marriott Properties

Big spend bonus: SPG Gold elite status with $30K annual spend

Noteworthy Perks: Transfer 20,000 points into miles and get a 5000 mile bonus.

Receive free premium internet at SPG properties, unlimited Boingo WiFi and Sheraton Club lounge access on qualified stays.
25K after $5K spend in first 3 months

Annual fee waived first year, then $95

Terms Apply. See Rates & Fees

Recent better offer: 35K after $7K spend in first 3 months (Expired 3/28/18)

FM Mini Review: Extremely valuable points, but difficult to earn in large quantities except through signup bonus
$540
Premier Rewards Gold Card from American Express Premier Rewards Gold Card from American Express
Earning rate: 3X points for flights booked with airlines, 2X points at US gas stations, US supermarkets & US restaurants, 1X points on other purchases.

Terms apply. See Rates & Fees

Noteworthy Perks:
-Up to $100 a year in statement credits for airline incidental fees.

- Get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, if available with The Hotel Collection at americanexpress.com/hc
25K after $2K spend in 3 months

Annual fee waived first year, then $195

Recent better offer: 50K after $1K spend targeted via CardMatch Tool (last reported 2/11/16)
$521

(Airline fee reimbursement valued at 90% of face value)
Cathay Pacific Visa Signature card Cathay Pacific Visa Signature card
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
60K: 35K after $2,500 spend in 90 days plus 25K after additional $7,500 spend in the first 12 months

Annual fee waived first year, then $95

Offer Expires: 6/30/18

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
$519
Starwood Preferred Guest® Credit Card from American Express Starwood Preferred Guest® Credit Card from American Express
Earning rate: 2X Starwood and Marriott Properties

Big spend bonus: SPG Gold elite status with $30K annual spend

Noteworthy Perks: Transfer 20,000 points into miles and get a 5000 mile bonus.

Receive free premium internet at SPG properties and unlimited Boingo Wifi.
25K after $3K spend in 3 months.

Annual fee waived first year, then $95

Terms Apply. See Rates & Fees

Recent better offer: 35K after $5K spend expired 4/5/2017

FM Mini Review: Extremely valuable points, but difficult to earn in large quantities except through signup bonus
$515
Avianca Vida Visa Card Avianca Vida Visa Card
Earning rate: 2X Avianca

Noteworthy Perks: 15% discount on the purchase of miles
40K after first purchase with promo code LM17WB

$59 annual fee
$501
BOA Amtrak Guest Rewards World Mastercard BOA Amtrak Guest Rewards World Mastercard
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
20K after $1K spend in 3 months

$79 annual fee

Recent better offer: 30K after $1K spend in 3 months
$500
Chase Southwest Airlines Rapid Rewards Premier Credit Card Chase Southwest Airlines Rapid Rewards Premier Credit Card

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.
40K after $1K spend in 3 months

$99 annual fee

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

Recent better offer: 60K after $2K spend in 3 months (Expired 10/9/17)
$486
Chase Marriott Rewards® Premier Chase Marriott Rewards® Premier
Earning rate: 2X airline, car rental, & restaurants. 5X Marriott.

Big spend bonus: 1 credit towards elite status for every $3,000 in purchases

Noteworthy Perks: 15 night credit towards elite status every year upon account anniversary. Free category 1-5 certificate each year upon renewal.
75K after $3K spend in 3 months

Annual fee waived first year, then $85

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.)

Recent better offer: 107.5K: 100K after $5K spend in 3 months plus 7.5K for adding an authorized user and making a purchase

Up to 120K: 10 points per dollar on up to $12,000 in spend in the first year (Expired 2/18)

87.5K: 80K for $3K spend in 3 months + 7.5K for adding an authorized user and making a purchase (Expired 2/18)
$472
Chase Marriott Rewards® Premier Business Chase Marriott Rewards® Premier Business
Earning rate: 2X airline, car rental, & restaurants. 5X Marriott. 2X office supply, internet, cable, phone.

Big spend bonus:
* 1 credit towards elite status for every $3,000 in purchases
* Automatic Gold status with $50K spend per account year.*

Noteworthy Perks: 15 night credit towards elite status every year upon account anniversary. Free category 1-5 certificate each year upon renewal.
75K after $3K spend in 3 months

Annual fee waived first year, then $99

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

Recent better offer: 100K after $5K spend. (Last reported 7/2016)
$472
Barclays JetBlue Plus Mastercard Barclays JetBlue Plus Mastercard
Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

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
40K after $1K spend in 90 days

$99 annual fee

Offer Expires: 12/31/17

Recent better offer: 60K after $1K spend in 90 days

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.
$470
Capital One® Venture® Rewards Credit Card Capital One® Venture® Rewards Credit Card
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.
50K after $3K spend in 3 months from account opening

Annual fee waived first year, then $95

FM Mini Review: This is basically a 2% cash back card, but rewards can only be used to offset travel purchases. Signup bonus is excellent, but due to the annual fee, you can do better after the first year.
$470
AAdvantage® AviatorTM Business MasterCard® AAdvantage® AviatorTM Business MasterCard®
Earning rate: 2X AA, office supply, telecommunications services, and at car rental agencies; 1X everywhere else

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
40k miles after 1st purchase within 90 days and payment of the $95 AF

$95 annual fee

Recent better offer: None.
$465
Capital One® Spark® Miles for Business Capital One® Spark® Miles for Business
Earning rate: 2X everywhere

Noteworthy Perks: Redeem miles for travel at value of 1 cent per mile.
50K after $4,500 spend in 3 months from account opening

Annual fee waived first year, then $95

FM Mini Review: This card is basically the same as the Spark Cash for Business, but rewards can only be used to offset travel purchases. This is a good option for business owners who prefer simple rewards and who value free travel over cash back.
$455
Wells Fargo Rewards Visa® card Wells Fargo Rewards Visa® card
Earning rate: 5X gas, grocery, drugstore for 6 months
20K for $1K spend in 3 months + 5% rewards points on up to $12,500 in gas, grocery, and drugstore purchases for 6 months.

No annual fee

You may be able to get a 10K sign-up bonus if you are targeted or by applying in-branch.
$450

(Assumes $12.5K spend in first 6 months at 4% bonus (5% total))
Wells Fargo Visa Signature Card Wells Fargo Visa Signature Card
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
20K for $1K spend in 3 months + 5X points on up to $12,500 in gas, grocery, and drugstore purchases for 6 months.

No annual fee
$450

(Assumes $12.5K spend in first 6 months at 4% bonus (5% total))
The Gold Card from American Express <br />
for Ameriprise Financial The Gold Card from American Express
for Ameriprise Financial

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

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
25K after $1K spend in 3 months.

Annual fee waived first year, then $160
$443
Gold Delta SkyMiles® Credit Card from American Express Gold Delta SkyMiles® Credit Card from American Express
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
30K miles after $1K spend in the first 3 months + $50 statement credit after making a Delta purchase in the first 3 months. Terms apply.

Annual fee waived 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 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
$433

(Statement credit valued at 90% face value)
Wells Fargo Propel World American Express® Card Wells Fargo Propel World American Express® Card
This offer has only been availabe in-branch, but DoC reports that it is possible to apply via phone. Click here to read more and check the comments for recent reports.

Earning rate: 3X airlines; 2X hotels

Noteworthy Perks: $100 airline fee credit
40K after $3K spend in 3 months

Annual fee waived first year, then $175

This offer link requires a Wells Fargo login. If you don't have one you may be able to apply in-branch or via the phone.
$430

($100 airline fee credit estimated at 90% value)
BOA Alaska Airlines Visa Signature BOA Alaska Airlines Visa Signature
Earning rate: 3X Alaska Airlines, 1X elsewhere

Noteworthy Perks: $121+ For a limited time, $0+ coach companion pass every year; free first checked bag for you and up to six other passengers on your reservation
30K + $100 statement credit + $0 (+ taxes/fees) companion fare after $1K spend.

$75 annual fee

Recent better offer: None recently

FM Mini Review: Alaska miles are quite valuable so this offer is better than it appears
$429
Wells Fargo Business Platinum Visa® card Wells Fargo Business Platinum Visa® card
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.
$500 after $5K spend in the first 3 months OR no signup bonus if you choose to earn points instead of cash back

No 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
$425
Gold Delta SkyMiles® Business Credit Card from American Express Gold Delta SkyMiles® Business Credit Card from American Express
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
30K miles + $50 statement credit: 30K miles after $1K spend in the first 3 months + $50 statement credit after making a Delta purchase in the first 3 months. Terms and limitations apply.

Annual fee waived 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 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
$417

(Statement credit valued at 90% face value)
BB&T Spectrum Rewards BB&T Spectrum Rewards
Earning rate: 3% cash back on all net qualified purchases for the first 90 days, then 1%

Big spend bonus: Earn a 30% bonus on cash earned when spending $50K or more annually

Noteworthy Perks: 5% anniversary bonus each year

Offer restricted to residents of Alabama, Florida, Georgia, Indiana, Kentucky, Maryland, New Jersey, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, West Virginia, and DC.

See also: The Spectrum Rewards. Offer- What is it worth?
$1350 after $50K spend in 3 months

(Get 3% cash back in first 3 months, plus 5% year end bonus + 30% big spend bonus = $2025. Consider $1350 of that to be signup bonus.)


No annual fee
$375

(Normal card earnings on $50K spend would be 50K x 1.35% = $675. With 3% signup bonus, total earnings would be $2025.)
Barclaycard Arrival Plus® World Elite Mastercard® Barclaycard Arrival Plus® World Elite Mastercard®
The affiliate offer for this card has expired and this card is currently unavailable through Frequent Miler

Earning rate: 2X Miles on all purchases;

Noteworthy Perks:
-Get 5% Miles back when redeeming for travel;
-Chip wth PIN capability

0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 17.24%, 21.24% or 24.24%, based on your creditworthiness.
There is a fee for balance transfers.


See also: Why the Recent Arrival Changes are a Terrible Business Move For Barclaycard
40K after $3K spend in 90 days

Annual fee waived first year, then $89
$370
U.S. Bank FlexPerks® Travel Rewards Visa Signature® card U.S. Bank FlexPerks® Travel Rewards Visa Signature® card
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
25K after $2K spend in 4 months

Annual fee waived 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. Card may be worth keeping for the Gogo in-flight internet passes.
$365

(Including $20 estimated value for Gogo passes)
Delta Reserve Business Credit Card from American Express Delta Reserve Business Credit Card from American Express
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 limitations apply. See Rates & Fees

See also: An Analysis of the Delta Reserve Credit Card
40K miles + 10K MQMs after $3K spend in the first 3 months. Terms 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.
$362

(MQMs valued at 3 cents each. )
Delta Reserve Credit Card from American Express Delta Reserve Credit Card from American Express
Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

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
40K miles + 10K MQMs after $3,000 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.
$362

(MQMs valued at 3 cents each. )
Bank of America Premium Rewards Bank of America Premium Rewards
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
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.
$360
PenFed Pathfinder Rewards American Express Card PenFed Pathfinder Rewards American Express Card
Earning rate:
-3X or 4X Travel
-1.5X everywhere else

4X travel for Access America
Checking account holders and military members

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

See also: PenFed Pathfinder Rewards American Express Card Complete Guide
25K after $2.5K spend in first 90 days

No annual fee

FM Mini Review: A $100 annual travel credit is terrific for a card with no annual fee.
$354

($100 airline fee credit estimated at 90% value)
Chase IHG® Rewards Club Premier Credit Card Chase IHG® Rewards Club Premier Credit Card
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.
85K: 80K after $2K spend in 3 months + 5K for adding authorized user

$89 annual fee
$347
BOA Amtrak Guest Rewards Platinum Mastercard BOA Amtrak Guest Rewards Platinum Mastercard
Earning rate: 2X Amtrak, 1X elsewhere

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

See also: Amtrak Guest Rewards credit card review
12K after $1K spend in 3 months

No annual fee

Recent better offer: 15K after $1K spend in 3 months
$347
BOA Alaska Airlines Visa Business Card BOA Alaska Airlines Visa Business Card
Earning rate: 3X Alaska Airlines, 1X elsewhere

Noteworthy Perks: $121+ coach companion pass every year
30K 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
$345
Citi® AAdvantage® Gold MasterCard® Citi® AAdvantage® Gold MasterCard®

Noteworthy Perks: Reduced mileage awards
25K after $750 spend in 3 months

Annual fee waived first year, then $50
$338
U.S. Bank FlexPerks® Gold American Express® card U.S. Bank FlexPerks® Gold American Express® card
Earning rate: 3X restaurants; 2X gas stations and airlines

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

See also: US Bank FlexPerks Gold Amex: The best new option for dining, but is it worth it?
30K after $2K spend in 4 months

$85 annual fee
$335
TD Aeroplan™ Visa® Credit Card TD Aeroplan™ Visa® Credit Card
Earning rate: 2X Aeroplan miles per dollar spent on Air Canada purchases.
25K after $1K spend in 3 months

Annual fee waived first year, then $95
$334
Citi Business ThankYou Card Citi Business ThankYou Card
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.)
20K after $2K spend in 3 months

No 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.
$329
Frontier Airlines World MasterCard® Frontier Airlines World MasterCard®
Earning rate: 2X Frontier Airlines

Big spend bonus: $100 discount voucher after $2,500 in annual 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.
40K after $500 spend in 90 days

$69 annual fee
$329
JetBlue Business Card JetBlue Business Card
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
30K 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 winners.
$324
Chase Freedom® Unlimited Chase Freedom® Unlimited
Earning rate: 1.5X on all purchases.

See also: Transferable points programs
17.5K: 15K after $500 spend in 3 months + 2.5K for adding authorized user

No annual fee

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

FM Mini Review: Great to earn 1.5X Ultimate Rewards in categories with no bonuses. Excellent companion card to Sapphire Reserve or Sapphire Preferred!
$317
Chase Freedom® Chase Freedom®
Earning rate: 5X in rotating categories

See also: Transferable points programs
17.5K: 15K after $500 spend in 3 months + 2.5K for adding authorized user

No annual fee

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

FM Mini Review: Great for 5X categories. Excellent companion card to Sapphire Reserve or Sapphire Preferred!
$313
Hilton Honors Ascend Card from American Express Hilton Honors Ascend Card from American Express
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.
100K: 75K after $2K spend in 3 months plus 25K after additional $1K spend in first 6 months.Terms apply.

$95 annual fee

Recent better offer: Surpass card: 125K after $4K total spend (Expired 12/17)

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.
$306
Chase Ritz Carlton Rewards Visa Infinite Chase Ritz Carlton Rewards Visa Infinite
Earning rate: 2X airline, car rental, & restaurants. 5X Ritz & Marriott.

Big spend bonus: $10K spend per account year to keep Gold elite status; $75K spend per account year for Platinum elite status

Noteworthy Perks: 3 club level upgrades. Gold status, first year. $100 hotel credit for each 2 night or longer stay. Airport lounge access. $300 annual credit for airline incidentals. 10% annual points premium. $100 discount on multi-passenger ticket purchases.
2 Free Tier 1-4 night stays after $4K spend in first three months + 10K points for adding an authorized user.

$450 annual fee

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

Recent better offer: 3 Free Tier 1-4 nights after $5K spend in first three months + 10K points for adding an authorized user.
$304

(2 free nights estimated at $500. Airline fee credit estimated at 90% of face value)
Chase IHG® Rewards Club Traveler Credit Card Chase IHG® Rewards Club Traveler Credit Card
Earning rate: 5X IHG; 2X gas, grocery, and restaurants.

Big spend bonus:
Gold status with $10K spend in a calendar year

Noteworthy Perks:
-Fourth night free on award stays;
-20% discount on points purchases
65K: 60K after $2K spend in 3 months + 5K for adding authorized user

$29 annual fee

FM Mini Review: Might be worthwhile for the signup bonus, but otherwise it probably makes more sense to pay $60 more for the annual free night that comes with the Premier.
$293
Hilton Honors American Express Business Card Hilton Honors American Express Business Card
Earning rate:
-12X Hilton spend;
-6X on Select Business &Travel Purchases
-3X everywhere else

Big spend bonus:
Free weekend night after $15K spend in calendar year and another after $60K spend

Diamond elite status with $40K calendar year spend

Noteworthy Perks:
-Free Gold status. Diamond status w/ $40K spend.
-10 free Priority Pass lounge visits per calendar year.

Terms Apply. See Rates & Fees

See also: Hilton Amex Cards. Everything you need to know.
100K: 75K after $3K spend in 3 months plus 25K after additional $1K spend in first 6 months

$95 annual fee

Recent better offer: None. Card is new as of 1/18/18

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.
$289
Hilton Honors™ Card from American Express Hilton Honors™ Card from American Express
Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

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.
65K after $1K spend in 3 months

No annual fee

Recent better offer: 80K after $2K spend in 3 months (Expired 5/31/17)

FM Mini Review: This card isn't particularly rewarding, but it's good to keep primarily for targeted Amex upgrade offers to the Ascend card.
$276
U.S. Bank FlexPerks® Business Edge Travel Rewards Visa® Card U.S. Bank FlexPerks® Business Edge Travel Rewards Visa® Card
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
20K after $2K spend in 4 months.

Note: Employee card spend does not count towards meeting minimum spend


Annual fee waived 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.
$270
Best Western Rewards Premium MasterCard issued by First Bankcard Best Western Rewards Premium MasterCard issued by First Bankcard
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)
50K after $1K spend in 3 billing cycles

Annual fee waived first year, then $59
$266
Korean Air SKYPASS Business Visa issued by US Bank Korean Air SKYPASS Business Visa issued by US Bank
You may be able to earn 5K miles by referring a friend. Simply put the referring member's SkyPass number on the application in the applicable box

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
15K after first purchase + $150 statement credit after $1.5K spend 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)
$261
The Amex EveryDay® Preferred Credit Card from American Express The Amex EveryDay® Preferred Credit Card from American Express
Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

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

See also: Amex's powerful new EveryDay cards
20K after $1K spend in 3 months

$95 annual fee

Recent better offer: 2/11/16: 30K after $2K spend (targeted via CardMatch Tool)
Note: If you have received a referral offer from a friend, it may be higher than the current public offer

FM Mini Review: Thanks to the 50% bonus on points earned, this is, in my opinion, one of the strongest mile-earning cards available.
$257
Korean Air SKYPASS Visa issued by US Bank Korean Air SKYPASS Visa issued by US Bank
You may be able to earn 5K miles by referring a friend. Simply put the referring member's SkyPass number on the application in the applicable box

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
15K after first purchase + $150 statement credit after $1.5K 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)
$256
The Hawaiian Airlines® World Elite MasterCard® issued by Barclaycard The Hawaiian Airlines® World Elite MasterCard® issued by Barclaycard
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;
50K after $3K spend in 90 days

$89 annual fee
$250
Choice Privileges® Visa Signature® Card issued by Barclaycard Choice Privileges® Visa Signature® Card issued by Barclaycard
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
32K after $1K spend in 90 days

No annual fee

Recent better offer: 40K after $1K spend in 90 days (Expired 5/31/17)
$245
TD Business Solutions Visa TD Business Solutions Visa
Earning rate: 3% phone, internet and cable services; 2% dining and gas stations
$300 after $3K spend in 90 days

No annual fee

Offer Expires: 3/5/18

Recent better offer: None
$240
Club Carlson Business Rewards Visa issued by US Bank Club Carlson Business Rewards Visa issued by US Bank
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
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".
$236
BOA Business Advantage Travel Rewards World Mastercard BOA Business Advantage Travel Rewards World Mastercard
Earning rate: 3X for travel booked through BOA's travel center
25K after $1K spend in 60 days

No annual fee
$235
Chase United MileagePlus® Club Card Chase United MileagePlus® Club Card
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
50K after $3K spend in 3 months

$450 annual fee

You may be targeted for a 75K offer on this card. Details here.

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

Recent better offer: It is common to receive a targeted offer with the first year fee waived
$223
Club Carlson Premier Rewards Visa Signature issued by US Bank Club Carlson Premier Rewards Visa Signature issued by US Bank
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
85K: 50K after first purchase + 35K after $2.5K spend in 3 months

$75 annual fee

FM Mini Review: With the elimination of Bonus Award Nights, this card is still good, but it is no longer an amazing "must have".
$221
SimplyCash® Plus Business Credit Card from American Express SimplyCash® Plus Business Credit Card from American Express
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

Note: 3% and 5% rebates are capped at $50,000 per rebate year and then earn 1% thereafter

Terms & Limitations Apply. See Rates & Fees
$500: $250 after $5K in 6 months plus $250 after additional $10K in 12 months

No annual fee

Recent better offer: None: this equals the best we've seen

FM Mini Review: Solid cash back card for those who spend a lot within the 5% and 3% categories.
$200
The Hawaiian Airlines® Business MasterCard® issued by Barclaycard The Hawaiian Airlines® Business MasterCard® issued by Barclaycard
Earning rate: 2X Hawaiian Airlines

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;
35K after first purchase

$89 annual fee
$194
TD First Class Visa Signature® Card TD First Class Visa Signature® Card
Earning rate: 3X travel & dining
25K: 15K after first purchase + 10K after $3K spend in first 6 billing cycles.

Annual fee waived first year, then $89
$190
AARP Credit Card from Chase AARP Credit Card from Chase
Earning rate: 3% restaurants and gas stations.
$200 after $500 spend in 3 months

No annual fee

Note: This card is believed to not be subject to Chase's 5/24 rule
$190
Bank of America Business Advantage Cash Rewards Mastercard Bank of America Business Advantage Cash Rewards Mastercard
Earning rate: 3% gas and office supply; 2% restaurants
$200 after $500 spend in 60 days

No annual fee
$190
Disney Visa Card Disney Visa Card

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
$200 after $500 spend in 90 days

No annual fee

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

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.
$190

($200 statement credit after $500 spend)
TD Cash Visa Credit Card TD Cash Visa Credit Card
Earning rate: 3% dining; 2% grocery stores
$200 after $500 spend in 90 days.

No annual fee

Offer Expires: 3/5/18

Recent better offer: None
$190
BOA Platinum Business Visa BOA Platinum Business Visa$200 after $500 spend in 60 days

No annual fee

FM Mini Review: No rewards on everyday purchases, but a nice sign-up bonus for a no annual fee card.
$185
Bank of America Travel Rewards Bank of America Travel Rewards
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
20K after $1K spend in 90 days

No annual fee
$185
Capital One® VentureOne® Rewards Credit Card Capital One® VentureOne® Rewards Credit Card
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.
20K after $1K spend in 3 months from account opening

No 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.
$183
Platinum Card® from American Express for Ameriprise Financial Platinum Card® from American Express for Ameriprise Financial
Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

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

See also: Which is the best Amex Platinum card?
Add up to 3 authorized cardholders for free first year, then $175 (total) per year.

Annual fee waived first year, then $550

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.

Recent better offer: 25K after $3K spend (expired 6/30/15)

FM Mini Review: First year with no fee makes this card worth considering for almost everyone.
$180

(Airline fee reimbursement valued at 90% of face value)
Citi AAdvantage® Executive World Elite MasterCard® Citi AAdvantage® Executive World Elite MasterCard®
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
50K after $5K spend in 3 months

$450 annual fee

Recent better offer: 75K after $7.5K spend in 3 months
$170
The Amex EveryDay® Credit Card from American Express The Amex EveryDay® Credit Card from American Express
Earning rate: 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x);

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 14.49% to 25.49%.

$0 balance transfer fee. Balance transfers must be requested within 60 days from account opening.

Terms apply. See Rates & Fees

See also: Amex's powerful new EveryDay cards
10K after $1K spend in 3 months

No annual fee

Recent better offer: 25K after $2K spend (Last reported 3/2016)

FM Mini Review: Great choice for keeping Membership Rewards points alive if you choose to cancel other Membership Rewards earning cards.
$170
AT&T Access Card AT&T Access Card
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
10K ThankYou Points after $1K Spend in 3 Months

No 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.
$170
The Morgan Stanley Credit Card from American Express The Morgan Stanley Credit Card from American Express
Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

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)

Points transferrable to many airline programs (unusual feature for no-fee card)
10K after $1K spend in 3 months

No annual fee

Note: You must have an eligible Morgan Stanley brokerage account to apply (this IS enforced)

Recent better offer: None.
$170
Virgin Atlantic White Card Virgin Atlantic White Card
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;
15K: 12,500 miles after first purchase + 2,500 miles for adding 1 authorized user

$49 annual fee

Recent better offer: None
$161
BBVA Compass Select BBVA Compass Select
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
20K after $2K spend in 90 days

Annual fee waived first year, then $125
$160
Capital One® Spark® Miles Select for Business Capital One® Spark® Miles Select for Business
Earning rate: 1.5X everywhere

Noteworthy Perks: Redeem miles for travel at value of 1 cent per mile.
20K after $3,000 spend in 3 months from account opening

No annual fee

FM Mini Review: This card is basically the same as the Spark Cash Select for Business, but rewards can only be used to offset travel purchases. This is a good option for business owners who prefer simple rewards with no annual fee, and who value free travel over cash back. If you spend more than $19K per year, though, go for the 2X Spark Miles card.
$155
Capital One® Spark® Cash Select for Business Capital One® Spark® Cash Select for Business
Earning rate: 1.5% everywhere
$200 after $3,000 spend in 3 months from account opening

No 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.
$155
Club Carlson Rewards Visa Signature issued by US Bank Club Carlson Rewards Visa Signature issued by US Bank
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
60K 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".
$150
Asiana Airlines Visa Signature Asiana Airlines Visa Signature
Earning rate: 2X gas and grocery and 3X Asiana.

Noteworthy Perks:
*10,000 points awarded annually
*$100 annual rebate on Asiana ticket purchases
*2 lounge invitations every year on card anniversary
30K after $3K spend in 90 days

$99 annual fee
$141
Bank of America Cash Rewards Bank of America Cash Rewards
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
$150 after $500 spend in 90 days

No annual fee
$140
Major League Baseball®<br />
BankAmericard Cash Rewards™ MasterCard® credit card Major League Baseball®
BankAmericard Cash Rewards™ MasterCard® credit card

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
$150 after $500 spend in 90 days

No annual fee
$140
Blue Cash Preferred® Card from American Express Blue Cash Preferred® Card from American Express
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 14.49% to 25.49%.
$200 cash back after $1K in the first 3 months

$95 annual fee

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

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

FM Mini Review: Solid cash back option, especially for those who spend a lot at US Supermarkets and US gas stations
$137
LATAM Visa Signature issued by US Bank LATAM Visa Signature issued by US Bank
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
20K miles after first use.

Annual fee waived first year, then $75

US Bank may also approve you for their non-Signature Visa which comes with a 15K bonus and lesser benefits.
$134
Blue Delta SkyMiles® Credit Card from American Express Blue Delta SkyMiles® Credit Card from American Express
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
10K miles after $500 spend in the first 3 months. Terms apply.

No annual fee

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

Recent better offer: None.

FM Mini Review: This card offers an OK signup bonus for a no-fee card, but many/most other cards offer better return for spend.
$132
Blue Cash Everyday® Card from American Express Blue Cash Everyday® Card from American Express
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 14.49% to 25.49%.
$150 cash back after $1K in the first 3 months

No annual fee

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

Up to $300: 10% cash back on purchases at U.S. Restaurants in the first 6 months, up to $200 back. Plus, earn $100 back after $1K spend in 3 months. (Expired 5/3/17)
$132
JetBlue Card JetBlue Card
Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

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
10K after $1K spend in 90 days

No annual fee

Recent better offer: 9/2017: 15K after $1K spend

FM Mini Review: Not bad for a fee-free airline card.
$131
Discover it® for Students Discover it® for Students
Earning rate: 5X in rotating categories, up to $1500 spend per quarter

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

FM Mini Review: In my opinion this is the single best "starter card" for students. It offers great rewards and no annual fee.
$120

(First $20 will be doubled after 12 months)
Wyndham Rewards Visa issued by Barclaycard Wyndham Rewards Visa issued by Barclaycard
Earning rate: 5X Wyndham; 2X gas, utility & grocery; 1X everywhere else

Noteworthy Perks:
- 6,000 bonus points every account anniversary
- Platinum status (matches to Caesar's Total Rewards Platinum)
30K: 15K after first purchase plus 15K after $1,000 spend in 90 days

$75 annual fee

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.

Recent better offer: 1/15/18: 45K (30K after first purchase plus 15K after $2,000 spend in 90 days)
$112
Wyndham Rewards Visa issued by Barclaycard (no annual fee) Wyndham Rewards Visa issued by Barclaycard (no annual fee)
Earning rate: 3X Wyndham; 2X gas, utility & grocery; 1X everywhere else

Noteworthy Perks:
- Gold status
15K after first purchase

No annual fee

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.

Recent better offer: 1/15/18: 18K (15K after first purchase, 3K additional after $1K spend in 90 days)
$105
Citi Double Cash Card Citi Double Cash Card

Noteworthy Perks: 1% cash back when you make a purchase + 1% cash back when you pay for those purchases
$100 after $500 spend within the first 3 months

No 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.
$95
Fidelity Rewards Visa Fidelity Rewards Visa
Earning rate: 2X everywhere

Noteworthy Perks: This card earns 2% cash back on all purchases!
$100 after $1K spend in 3 months.

No annual fee
$90
Uber Visa Card Uber Visa Card
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
$100 after $500 spend in 90 days

No annual fee
$90
Citi® Expedia+ Credit Card Citi® Expedia+ Credit Card
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
15K after $1K spend in 3 months

No annual fee
$84
Discover it Miles - Double Miles your first year Discover it Miles - Double Miles your first year
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
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.

No annual fee
$50
Discover it® Discover it®
Earning rate: 5X in rotating categories, up to $1500 spend per quarter

Noteworthy Perks: Discover Cash Back is worth more than face value when redeemed for partner gift cards
Get $50 after first purchase. All cashback earned in first 12 months will be doubled including 5% earned in rotating categories.

No annual fee
$50
Citi® Expedia®+ Voyager Card Citi® Expedia®+ Voyager Card
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
25K after $2K spend in 3 months

$95 annual fee
$37
Marvel MasterCard from Synchrony Marvel MasterCard from Synchrony
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
$25 after first purchase

No annual fee

Recent better offer: None

FM Mini Review: Good option if used only in 3% categories (e.g. dining and entertainment)
$25
Asiana Airlines Visa Business Card Asiana Airlines Visa Business Card
Earning rate: 2X Asiana

Noteworthy Perks:
*2 X $100 credits annually on U.S. departure Asiana operated flights.
10K after after first purchase

$80 annual fee
$20
Ebates Cash Back Visa issued by Synchrony Bank Ebates Cash Back Visa issued by Synchrony Bank
Earning rate: 3% cash back on qualified purchases made through the Ebates portal. 1% cash back everywhere else.
$10 after first purchase

No annual fee
$10
Capital One® Quicksilver® Cash Rewards Credit Card Capital One® Quicksilver® Cash Rewards Credit Card
Earning rate: 1.5% everywhere

Noteworthy Perks: Get 50% back on Spotify Premium
with Quicksilver® through April 2018
$150 after $500 spend in 3 months from account opening

No 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.
$0
Alliant Cashback Visa Signature Card Alliant Cashback Visa Signature Card
Earning rate: 2.5% cash back everywhere

Noteworthy Perks: No foreign transaction fees
Earn 3% cash back first year, then 2.5% thereafter


Annual fee waived first year, then $59

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

FM Mini Review: Great cash back card for everyday spend. Lack of foreign transaction fees makes this card a winner.
$0
Barclaycard CashForward Barclaycard CashForward
The affiliate offer for this card has expired and it is temporarily unavailable through Frequent Miler.

Earning rate: 1.5% everywhere

Noteworthy Perks: When you redeem, earn 5% back towards next redemption. e.g. Redeem $100 cash back, earn $5 bonus towards next redemption. Note that redemptions start at $50.

Enjoy a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply
$200 after $1,000 spend in the first 90 days

No annual fee
$0
Capital One® Savor℠ Cash Rewards Credit Card Capital One® Savor℠ Cash Rewards Credit Card
Earning rate: 3% on dining, 2% on groceries, 1% everywhere else

Noteworthy Perks:
The Capital One Savor card features an intro APR of 0% for 9 months, then 15.99%-24.74% (Variable).
$150 after $500 spend in 3 months from account opening

No 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.
$0
Costco Anywhere Business Visa Costco Anywhere Business Visa
Earning rate: 4% gas (up to $7K spend / year); 3% restaurant & travel; 2% Costco, 1% everywhere else


No annual fee

Requires Costco membership. Cash back provided annually with February billing statement as rewards coupon redeemable for cash or merchandise at Costco
$0
Costco Anywhere Visa Costco Anywhere Visa
Earning rate: 4% gas (up to $7K spend / year); 3% restaurant & travel; 2% Costco, 1% everywhere else


No annual fee

Requires Costco membership. Cash back provided annually with February billing statement as rewards coupon redeemable for cash or merchandise at Costco
$0
The Blue Business℠ Plus Credit Card The Blue Business℠ Plus Credit Card
Earning rate:
- 2X Membership Rewards points on all purchases, up to $50K spend per calendar year


Terms apply. See Rates & Fees

Noteworthy Perks: 0.0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.74%, 16.74% or 20.74%, based on your creditworthiness and other factors as determined at the time of account opening

See also: The new king of everyday spend
None

No annual fee

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

FM Mini Review: No other transferable points card offers 2X rewards for ALL spend. With no annual fee, this card is a winner. Big time.
$0
Barclays Arrival Premier® World Elite Mastercard® Barclays Arrival Premier® World Elite Mastercard®
Earning rate: 2X Miles on all purchases

Big spend bonus: 15K bonus miles after $15K spend; 10K additional bonus miles after additional $10K spend

Noteworthy Perks:
-Chip wth PIN capability
-$100 Global Entry credit once every 5 years
-Lounge Key access (pay $27 per lounge visit)
-Transfer to most airline partners 1.4 Arrival to 1 airline mile (or 1.7 Arrival to 1 Japan Airlines mile)


See also: Barclays Arrival Premier Complete Guide
None.

$150 annual fee

FM Mini Review: This card is best for earning JAL miles, which can be very valuable. If you spend exactly $15K or $25K per year, you can earn an effective 1.76 Japan Airlines miles per dollar or 2.14 miles per dollar with other transfer partners. Points can alternatively be redeemed for 1 cent each towards travel.
$-150
AAdvantage® AviatorTM Silver World Elite MasterCard® AAdvantage® AviatorTM Silver World Elite MasterCard®
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
This card is currently available by invitation only.

$195 annual fee
$-195
Citi ThankYou Prestige Card Citi ThankYou Prestige Card
Earning rate: 3X airfare, hotels, and travel agencies; 2X dining and entertainment

Noteworthy Perks:
-$250 air travel credit (including airfare) per calendar year
-Free lounge access: Citi Properietary Lounges;, and Priority Pass Select with free guests
-3 hour trip delay insurance
-$100 Global Entry application fee credit
-Use points for 1.25 cents value for any flight or transfer to airline partners
-4th night free hotel benefit

NOTE: Reduce annual fee to $350 by signing up in-branch or by opening CitiGold Checking
None

$450 annual fee

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

FM Mini Review: This card is best for those who can take advantage of the 4th Night Free benefit and/or the best-in-class 3 hour trip delay insurance
$-225

(Flight statement credit estimated at 90% of face value)

Advertiser and Refer-A-Friend Disclosure

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

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Offers for which I receive compensation are shown with credit card images.
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20 Comments on "Top 10+ Credit Card Offers"

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[…] current offers would be painful to resist?  From my overall Top 10+ Credit Card Offers page, here are the current Top 10 cards which are not Chase cards, and whether or not they count towards […]

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[…] December of last year, I unveiled a new page on this site:  Top 10+ Credit Card Offers. This is a sorted list of all of the best credit card offers that we track.  Cards are sorted in […]

Dave
Guest

The BOA Virgin Atlantic link is dead. There appears to be no more valid links available.

Nick Reyes
Editor

Thanks for bringing this to our attention. I have updated it to the best current offer, which is 25K. I’ll keep my eye out for a new 90K link. Thanks again!

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[…] its 50K signup bonus and $325 in travel credits (the card currently shows up in the #20 spot on our Top 10+ Credit Card Offers page)  The best use of the card’s points, in my opinion, is to redeem them for flights at a value […]

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[…] current Top 10+ Credit Card Offers page contains a list of all best public signup offers (that we know of), sorted from top to bottom […]

Ken
Guest

The Citi HHonors card for 60k points is dead.

kayexelate
Guest

How long will the Business Ink 80k offer be around for?

I want to apply for that AND the Citi® Platinum Select AAdvantage® World MasterCard which seems to be a limited time offer for 60k.

I was leaning toward applying for the Citi® Platinum Select AAdvantage® World MasterCard first since that offer may go away for the 60k bonus, but not sure if the Business Ink 80k will disappear too.

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[…] Credit Card Offers and Top 10+ Credit Card Offers.  We work very hard to list all of the best public offers.  Cards are automatically sorted by our […]

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[…] won’t find this card in our Top 10+ Cedit Card offers, but we all start somewhere, and my credit journey started with a Walmart credit card. Of note, I […]

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[…] would otherwise cost a bundle.  For the purpose of my unbiased credit card rankings, such as my Top 10+ Credit Card Offers, I assign a value of $250 to each free night (see: Unbiased credit card rankings: a work in […]

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[…] a look at our Top 10+ Credit Card Offers page.  At the time of this writing, the Sapphire Preferred is #2 on the list whereas the Sapphire […]

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[…] readers know that we maintain a sorted list of the Top 10+ Credit Card Offers (the “+” means that you can click “Next” to see beyond 10).  The offers […]

Drew
Guest

Platinum Delta Business link is no good.