Starwood is once again offering 35% off on the purchase of SPG Starpoints through July 20th. This means that it’s possible to buy Starpoints for 2.275 cents each.  And, since Starpoints convert to Marriott Rewards points 1 to 3, that’s equivalent to buying Marriott Rewards points for 0.75 cents each.  Considering that Marriott sells points for 1.25 cents each, this is a relative bargain.

But…

The fact that Starpoints / Marriott Rewards points are available for purchase at a very low relative price does not mean that it makes sense to buy them.  Whether or not buying points makes sense depends entirely upon how you plan to use them.

Let’s look at various uses for Starpoints & Marriott Rewards points to see whether this is really a good deal…

Domestic Round Trip for $455

Many airline programs charge 25,000 miles for a domestic round-trip economy award.  Given that Starpoints transfer to airline miles at a rate of 20K Starpoints to 25K miles, we can estimate the cost to buy a round trip ticket as follows:

• Buy 20K Starpoints for $455
• Convert 20K Starpoints to 25K miles
• Result: Round trip economy ticket for $455

Verdict: Bad Deal

Why: Round trip domestic economy awards are usually available for 25K miles only when the flight is far from full.  When that’s true, it is usually possible to get a good cash price for the same flights.  Last minute flights can be an exception.

Top Tier SPG or Ritz hotel for $455

In August, Starpoints will automatically be converted 1 to 3 to rewards points.  And, from August to early 2019, the newly combined Marriott / SPG / Ritz award chart will top out at 60,000 points per night.  This means that during that window it will be possible to book the most expensive SPG and Ritz properties for the equivalent of 20,000 Starpoints per night.  Via this promotion, each free night will cost you $455.  Or, if you take advantage of 5th night free awards, you can average $364 per night for a 5 night stay.

• Buy 20K Starpoints for $455
• In August, 20K Starpoints automatically convert to 60K rewards points
• Between August and early 2019, book top tier hotels for 60K rewards points per night
• If you have enough points, take advantage of 5th night free awards

Verdict: Bad Deal*

Why: Many top tier properties are routinely available for under $500 per night, especially if you watch for sales.  If you buy Starpoints now with the hope of booking a top tier property that is usually much more than $500, this can offer very good savings, but it still locks you into having to finalize your travel plans before early 2019.

* This would be a good deal if you have specific plans to stay at a hotel that costs much more than $455 per night and if standard rooms are available during your travel dates.

Mid Tier Hotel for $273 per night

When Marriott unveiled future award pricing for New York City and a few other markets, we were surprised to see that a number of New York City hotels will be available for only 35,000 rewards points per night.  That’s equivalent to 11,667 Starpoints per night.  With the current promotion, you could buy 12,000 Starpoints for $273 and have a few points left over.

• Buy 12K Starpoints for $273
• In August, 12K Starpoints automatically convert to 36K rewards points
• When programs merge in August, book mid tier hotels for 35K rewards points per night
• If you have enough points, take advantage of 5th night free awards

Verdict: Bad Deal*

Why: Many mid tier properties are routinely available for under $300 per night, especially if you watch for sales.  If you buy Starpoints now with the hope of booking a mid tier property that is usually much more than $300, this can offer very good savings, but only if you don’t come across a better sale before your stay.

* This would be a good deal if you have specific plans to stay at a hotel that costs much more than $273 per night and if standard rooms are available during your travel dates.

Bottom Tier Hotel, 5 Nights for $227.50 ($45.50 per night)

Currently, category 1 and 2 SPG hotels do not qualify for 5th Night Free awards.  But, when the Marriott and SPG programs merge in August, all hotels will be eligible for 5th Night Free awards.  And the lowest category hotels will be available for 7,500 points per night:

If you book 5 nights under the new award chart, you’ll pay 7,500 x 4 = 30,000 rewards points (10,000 Starpoints) for 5 nights.

• Buy 10K Starpoints for $227.50
• 10K Starpoints convert to 30K rewards points
• Book 5 nights at a category 1 hotel for 30K points
  • Before August, this is only possible at category 1 Marriott hotels.
  • When the programs merge in August, this will be possible at category 1 SPG hotels as well
• Average cost per night: $45.50

Verdict: Good Deal

Why: If you have a real need or desire to stay in a category 1 hotel for 5 nights, chances are good that the paid rate alternative will be quite a bit higher than $45.50 per night after taxes and fees.  Alternatively, for those chasing elite status, this is a fairly low cost way to earn 5 elite nights.

One-Way International First Class for $1,365

SPG offers point transfers to airline miles at a rate of 20K Starpoints to 25K miles.  If you buy enough Starpoints, you could use the resulting miles to buy first class flights:

• Buy 60K Starpoints for $682.50 x 2 = $1,365 (See: How to buy more than 30K SPG points)
• Convert 60K Starpoints to 75K airline miles
• Many international first class awards are available for 75K miles one-way or less (see this post for examples)
• Result: One-Way International First Class for $1,365 plus taxes & fees.

Verdict: Good Deal*

Why: A good international First Class flight often costs $8,000 or more round-trip.  Using points in this way would likely represent significant savings, even after accounting for fuel surcharges imposed by many carriers.  Caveat: Finding available first class awards when and where you want them can be tough.

* Even though this is a good deal, investing in travel packages can be a better deal.  See the section two below on round trip flights plus 7 night stays for details.

One-Way International Business Class for $1,365 (with points left over)

• Buy 60K Starpoints for $682.50 x 2 = $1,365 (See: How to buy more than 30K SPG points)
• Convert 60K Starpoints to 75K airline miles
• Many international business class awards are available for 60K miles one-way or less (see this post for examples)
• Result: One-Way International Business Class for $1,365 plus taxes & fees, with points left over for other uses

Verdict: Bad Deal

Why: It is often possible to find round-trip international business class fares for less than $3,000 (i.e. less than $1,500 each way).

Round Trip International Biz or 1st Class, plus 7 Night Hotel Stay for $2,047.50

Marriott Travel Packages offer an intriguing alternative to using Starpoints directly:

• Buy 90K Starpoints for $682.50 x 3 = $2,047.50 (See: How to buy more than 30K SPG points)
• Convert 90K Starpoints to 270K Marriott Rewards points
• Use 270K Marriott Rewards points to book a 7 night category 1-5 travel package resulting in 120K airline miles of various sorts, or 132K United miles plus a 7 night stay certificate.
• Many round-trip international business class awards, and some round-trip international first class awards, are available for 120K miles or less. See this post for examples.
• Result: Round-Trip premium international flight plus 7 night hotel stay for $2,047.50 plus taxes and fees.

Verdict: Great Deal

Why: While it’s possible to find similarly priced premium flights, this option gives you the option of flying some of the most luxurious premium cabins in the world.  For example, with Virgin Atlantic miles you could book ANA first class from the US to Tokyo for 110K or 120K miles.  Or, use Alaska miles to book Qantas or Fiji business class to Australia for 110K miles or Cathay Pacific for 120K miles.  Or, use Alaska miles to fly business class to Asia for 100K round-trip on Cathay Pacific or Hainan, or 120K round-trip on JAL.  United charges 140K round-trip (8K more than the miles you would get from the package) for partner business class to Europe, and less for their own flights.  And, significantly, United does not pass along fuel surcharges.  Caveat: Finding available business or first class awards when and where you want them can be tough.

If you need the miles, this deal is good even if you don’t have use for the 7 night stay certificate.  If you can find good use for the 7 night stay, then obviously the deal becomes way better.  For more about Marriott travel packages, see these posts:

• Why are Marriott Travel Packages a good deal?
• 12 things you need to know about Marriott Travel Packages
• Potential huge win with Marriott Travel Packages before August
• Best new to category 5 Marriott hotels
• Top Category 5 Marriotts in the World
• Best Category 5 Marriotts in the US

Caveats to all of the above

#1: Whether or not something is a good or bad deal depends on your circumstances

I tried my best to indicate above whether or not I think each option is a good or bad deal, but your circumstances are undoubtedly different from those that I imagined.  Please use your own judgment to decide.

#2: Investing in points or miles is never a good idea without a plan for how to use them

Some of the flight options I described above sound amazing and are undoubtedly a great deal if you actually take advantage of them.  In reality, though, maybe you won’t.  If you’re thinking that you might try one of these award flights someday, but you don’t know when someday might be, I’d recommend against buying the points.  Chances are good that the miles will devalue before you go, or you might have other better options when the time comes.

#3 There are cheaper ways to get the needed points and miles

Buying points and miles at a discount is probably best for those who live outside of the US or for those who are unable to qualify for good credit card signup offers in the US.  For those in the US with good credit, a few credit card welcome bonuses could easily get you all of the points you need.

For example, here are the currently available Marriott point offers (click on any card link to go to a detailed Frequent Miler page about that card):

Card Offer
Marriott Bonvoy Boundless® Credit Card ⓘ $1346 1st Yr Value Estimate5 Marriott 50K Free Nights valued at $1520 Click to learn about first year value estimates 5 x 50K Free Night Certificates ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer Earn five 50K free night certificates after spending $5,000 on eligible purchases within the first 3 months (Offer Expires 7/16/2025) $95 Annual Fee Learn more 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: None
Marriott Bonvoy Bold Credit Card ⓘ $713 1st Yr Value EstimateMarriott 50K Free Night valued at $304 Click to learn about first year value estimates 60K points + Free Night Certificate ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer 60K points + 50K Free Night Certificate after $2k spend. Terms apply. No Annual Fee Learn more 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: None FM Mini Review: The best use for this card is probably to downgrade from the Ritz or Boundless card to avoid the annual fee. That way, you can always upgrade again when you need the annual free night or other perks
Marriott Bonvoy Business® American Express® Card ⓘ $692 1st Yr Value Estimate3 Marriott 50K Free Nights valued at $912 Click to learn about first year value estimates 3 x 50K Free Night Certificates ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy(R) points, for a total potential value of up to 150,000 points, Terms apply. (Rates & Fees) $125 Annual Fee Learn more Recent better offer: 5x50K free night certificates after $8K in spend (expired 10/16/24)
Marriott Bonvoy Bevy® American Express® Card ⓘ $665 1st Yr Value EstimateClick to learn about first year value estimates Up to 135K Points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Earn 85K points after $5k in eligible purchases and an extra 50K after an additional $2K within your first 6 months of card membership. Terms apply. (Rates & Fees) $250 Annual Fee Learn more Recent better offer: 155K points after $5K spend in the first 6 months. [Expired 5/14/25]
Marriott Bonvoy® Brilliant® American Express® Card ⓘ $634 1st Yr Value Estimate$300 dining credit ($25 per month) valued at $270 Click to learn about first year value estimates Up to 150K Points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Earn 100K points after $6k in eligible purchases and an extra 50K after an additional $2K within your first 6 months of card membership. Terms apply. (Rates & Fees) $650 Annual Fee Learn more Recent better offer: 185k points after $6K spend within the first 6 months. [Expired 5/14/25] FM Mini Review: Decent ultra-premium option for Marriott fans, especially those aiming for lifetime status tiers
Marriott Bonvoy Bountiful™ Card ⓘ $333 1st Yr Value EstimateClick to learn about first year value estimates 85K points ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer 85K points after $4K total spend in first 3 months $250 Annual Fee Learn more 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.

And here are the top transferable points offers (press Next for more). Click on any card link to go to a detailed Frequent Miler page about that card:

Card Offer
The Platinum Card® from American Express ⓘ $2259 1st Yr Value Estimate$200 Fine Hotels & Resorts credit valued at $100, $200 airline incidental fee credit for select airline only valued at $140, $200 Uber credit ($15 per month, $35/December) valued at $100, $100 Saks credit ($50 per six months) valued at $25 Click to learn about first year value estimates As high as 175K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer As high as 175K points after $8K spend in 6 months. Welcome offers vary and you may not be eligible for an offer. Terms apply. $695 Annual Fee Learn more Recent better offer: 175K points after $8K spend in 6 months. FM Mini Review: This card is absolutely loaded with high end perks. Depending upon your situation, those perks may be worth the annual fee or much more.
Chase Sapphire Reserve® Business Card ⓘ $2185 1st Yr Value Estimate$300 travel credit valued at $285, $500 Chase The Edit credit ($250 Jan-Jun and again Jul-Dec) valued at $125, $100 GiftCards.com credit ($50 Jan-Jun and again Jul-Dec for cards purchased from https://reservebusiness.giftcards.com/) valued at $50 Click to learn about first year value estimates 200K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 200K points after $30K spend in first 6 months. $795 Annual Fee Learn more FM Mini Review: Could be very appealing for a business that books a lot of travel, as it earns 8x through Chase Travel or 4x when booking direct through airline and hotels. It has decent perks, best-in-class travel protections, and earns valuable Chase Ultimate Rewards points. Best when paired with no annual fee Chase Freedom Flex, Freedom Unlimited & Chase Ink Cash cards
Capital One Venture X Business Card ⓘ $1985 1st Yr Value Estimate$300 travel credit valued at $265 Click to learn about first year value estimates 150K Miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 150k miles after $30k spend within first 3 months. $395 Annual Fee Learn more Recent better offer: Expired 3/31/23: 250K Miles after $50K in spend. FM Mini Review: Similar to the Venture X consumer card, the business version offers annual rebates that easily mitigate the fee for those who travel often and could be worth it for the lounge access and travel protections given the cost/benefit ratio. Unlike the Venture X, free authorized users do not get Priority Pass access. The card earns 2 "miles" per dollar on most purchases just like the Capital One Venture X Rewards card, which are worth exactly 1 cent each toward travel. This makes the return on most spend similar to a 2% cash back card (though in this case you must redeem your miles to offset travel in order to get 1 cent per mile). One big advantage over cash back: Capital One allows transfering their "miles" to airline miles & hotel points. Click here for our complete card review
The Business Platinum Card® from American Express ⓘ $1950 1st Yr Value Estimate$200 airline incidental fee credit for select airline only valued at $140, $400 Dell credit ($200 per six months) valued at $100, $200 Hilton credit ($50 per quarter) valued at $150, $120 wireless credit ($10 per month) valued at $90, $500 statement credit when purchasing $2,500 of airfare valued at $150 Click to learn about first year value estimates Limited Time Offer: 150K points + $500 statement credit ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 150K points after $20K spend in the first 3 months. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card(R) within the first 3 months of Card Membership.. Terms apply. (Rates & Fees) (Offer Expires 6/30/2025) $695 Annual Fee Learn more Alternate Offer: Some people are targeted for offers as high as 250K. See this for more details. Recent better offer: 250K after $20K spend expired 2/10/25 FM Mini Review: This card is absolutely loaded with high end perks. Depending upon your situation, those perks may be worth the annual fee or much more. Click here for our complete card review
Chase Sapphire Reserve® Card ⓘ $1585 1st Yr Value Estimate$300 travel credit valued at $285, $300 StubHub credit ($150 Jan-Jun and again Jul-Dec) valued at $75, $500 Chase The Edit credit ($250 Jan-Jun and again Jul-Dec) valued at $125, $300 Chase Dining credit for dining at Sapphire Reserve Tables restaurants ($150 Jan-Jun and again Jul-Dec) valued at $75, $500 Chase Travel credit valued at $400 Click to learn about first year value estimates 100K Points + $500 Chase Travel℠ promo credit ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 100K + promo credit good for up to $500 towards a single Chase Travel℠ booking after $5K spend in 3 months. $795 Annual Fee Learn more Note that promotional travel credit is one-time use and if it is applied to a transaction of less than $500, the remaining value will be forfeited. FM Mini Review: Good all-around card for frequent traveler. Best when paired with no annual fee Chase Freedom Flex, Freedom Unlimited & Chase Ink Cash cards. Click here for our complete card review
American Express® Gold Card ⓘ $1152 1st Yr Value Estimate$120 Dining credit ($10 per month) valued at $30, $100 Resy credit ($50 per six months) valued at $85, $120 Uber credit ($10 per month) valued at $60 Click to learn about first year value estimates 90K points ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer 90K points after $6K in purchases in the first 6 months. Terms apply. (Rates & Fees) $325 Annual Fee Learn more Alternate Offer: 75K points after spending $6,000 in 6 months + 20% back at restaurants worldwide (limit $250 back) 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 after $6K in the first 6 months + 20% back at restaurants for the first 12 months up to $250 back [Expired 11/10/24 - referrals only] FM Mini Review: This card offers an awesome return on US supermarket and worldwide dining spend, putting it at or near the top-of-class in both categories. Dining credits and Uber / Uber Eats credits go a long way towards reducing the sting of this card's annual fee.
Ink Business Preferred® Credit Card ⓘ $1127 1st Yr Value EstimateClick to learn about first year value estimates 90K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 90K after $8K spend in 3 months $95 Annual Fee Learn more See: How to apply for Chase Ink cards Recent better offer: 120K after $8K spend (expired 9/4/24) FM Mini Review: Great card for welcome offer and 3X categories. Also consider the Ink Business Cash for its 5X categories, and the Ink Business Unlimited to earn 1.5X everywhere.
Ink Business Unlimited® Credit Card ⓘ $1074 1st Yr Value EstimateClick to learn about first year value estimates $750 cash back* ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer $750 (*awarded as 75,000 points) after $6k spend in 3 months No Annual Fee Learn more See: How to apply for Chase Ink cards FM Mini Review: Great welcome offer for a no annual fee card. Good option for earning 1.5X everywhere. Good companion card to Ink Business Preferred, Sapphire Reserve or Sapphire Preferred. Click here for our complete card review
Ink Business Cash® Credit Card ⓘ $1029 1st Yr Value EstimateClick to learn about first year value estimates Up to $750 cash back* ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer $350 (*awarded as 35,000 points) after $3K spend in 3 months and an additional $400 (*awarded as 40,000 points) after $6K spend in 6 months. No Annual Fee Learn more See: How to apply for Chase Ink cards Recent better offer: 90K after $6K spend in 6 monthd (expired 1/17/24 FM Mini Review: This one should be in everyone's wallet. Incredible welcome offer for a no-annual-fee card. Great card for 5X categories. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred. Click here for our complete card review
Capital One Venture Rewards Credit Card ⓘ $985 1st Yr Value EstimateClick to learn about first year value estimates 75K Miles ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer 75k miles after $4k spend within first 3 months $95 Annual Fee Learn more 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: 75k miles after $4k spend within first 3 months + a one-time $250 Capital One Travel credit to use in your first cardholder year FM Mini Review: This card earns 2 "miles" per dollar, which are worth exactly 1 cent each toward travel. This makes the return on spend similar to a 2% cash back card (though in this case you must redeem your miles to offset travel in order to get 1 cent per mile). One big advantage over cash back: Capital One allows transfering their "miles" to airline miles & hotel points. Click here for our complete card review
Chase Sapphire Preferred® Card ⓘ $985 1st Yr Value Estimate$50 prepaid hotel credit valued at $35 Click to learn about first year value estimates 75K Points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Earn 75,000 bonus points after spending $5,000 within the first three months from account opening. $95 Annual Fee Learn more Recent better offer: Expired 5/14/25: 100K after $5K spend FM Mini Review: Great welcome offer. Unlocks ability to transfer points to hotel & airline partners. Solid option to pair with no annual fee Ultimate Rewards cards such as the Freedom cards, Ink Business Cash, and Ink Business Unlimited.
Capital One Venture X Rewards Credit Card ⓘ $950 1st Yr Value Estimate$300 travel credit valued at $265 Click to learn about first year value estimates 75K Miles ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer 75k miles after $4k spend within first 3 months. $395 Annual Fee Learn more 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 3/14/22: 100K after $10K spend in 6 months + $200 credit for vacation rental spend in first year FM Mini Review: This card offers annual rebates that easily mitigate the fee for those who travel often. Authorized users are free and also get access to perks like Priority Pass, Capital One Lounges and more. The card earns 2 "miles" per dollar on most purchases just like the Capital One Venture Rewards card, which are worth exactly 1 cent each toward travel. This makes the return on most spend similar to a 2% cash back card (though in this case you must redeem your miles to offset travel in order to get 1 cent per mile). One huge advantage over cash back: Capital One allows transfering their "miles" to airline miles & hotel points. Click here for our complete card review
American Express® Business Gold Card ⓘ $943 1st Yr Value EstimateClick to learn about first year value estimates 100K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 100K points after $15K spend in 3 months. Terms apply. (Rates & Fees) $375 Annual Fee Learn more Alternate Offer: Some people are targeted for offers as high as 200K. See this for more details. Recent better offer: 200K after $15K spend expired 2/10/25 FM Mini Review: This card may be a keeper for those who use the monthly credits, but keep only if you also make good use of one or two 4X categories. Click here for our complete card review
The Platinum Card® from American Express Exclusively for Morgan Stanley ⓘ $786 1st Yr Value Estimate$200 Fine Hotels & Resorts credit valued at $100, $200 airline incidental fee credit for select airline only valued at $140, $200 Uber credit ($15 per month, $35/December) valued at $100, $100 Saks credit ($50 per six months) valued at $25 Click to learn about first year value estimates 80K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 80K after $8K spend in first 6 months. Terms apply. $695 Annual Fee Learn more 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 $8k spend in the first 6 months. (Expired 6/11/25) FM Mini Review: In my opinion, this is the best of the consumer Amex Platinum cards when you need two cards thanks to Morgan Stanley offering one free authorized user. Unfortunately you do need to have a Morgan Stanley account to apply.
The Platinum Card® from American Express for Schwab ⓘ $786 1st Yr Value Estimate$200 Fine Hotels & Resorts credit valued at $100, $200 airline incidental fee credit for select airline only valued at $140, $200 Uber credit ($15 per month, $35/December) valued at $100, $100 Saks credit ($50 per six months) valued at $25 Click to learn about first year value estimates 80K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 80K after $8K spend in first 6 months. Terms apply. (Rates & Fees) $695 Annual Fee Learn more 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: 125K points after $8K spend [Expired 6/12/25]
Citi Strata Premier℠ Card ⓘ $741 1st Yr Value EstimateClick to learn about first year value estimates 60K Points Non-AffiliateThis is NOT an affiliate offer. 60,000 points after $4,000 spend in 3 months $95 Annual Fee Learn more 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: 75k after $6 spend in 3 months (ended 4/8/25) FM Mini Review: Very strong earnings for spend. Excellent bonus categories. Points transferable to select airlines. Recommend pairing this card with Citi Double Cash Click here for our complete card review
Wells Fargo Autograph Journey℠ Card ⓘ $717 1st Yr Value Estimate$50 airline credit valued at $40 Click to learn about first year value estimates 60K points Non-AffiliateThis is NOT an affiliate offer. 60K after $4,000 spend in first 3 months. $95 Annual Fee Learn more 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.
Capital One Spark Miles for Business ⓘ $716 1st Yr Value EstimateClick to learn about first year value estimates 50K Miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 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 Learn more Note: Most Capital One Business credit cards (including this one) DO count against Chase's 5/24 Rule FM Mini Review: This card is similar to the Spark Cash Plus card, but it has the advantage that "miles" earned with this card can be transferred to a large number of airline & hotel programs.
Capital One Spark Miles Select Business Credit Card ⓘ $683 1st Yr Value EstimateClick to learn about first year value estimates 50K Miles ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer 50K after $4,500 spend in 3 months from account opening No Annual Fee Learn more 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. FM Mini Review: This card is similar to the Spark Cash Select for Business, but rewards are intended to be used to offset travel purchases. This is a good option for business owners who prefer simple rewards with no annual fee, and who value free travel over cash back. If you spend more than $19K per year, though, go for the 2X Spark Miles card.
American Express® Green Card ⓘ $424 1st Yr Value EstimateClick to learn about first year value estimates 40K points ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer 40K after $3K spend in first 6 months. Terms apply. See Rates & Fees $150 Annual Fee Learn more 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] FM Mini Review: This card is worth considering as your go-to travel card, but only if you value its CLEAR and Lounge Buddy credits. Also note that Amex cards continue to have limited acceptance in many international destinations. Click here for our complete card review
Citi Double Cash® Card ⓘ $299 1st Yr Value EstimateClick to learn about first year value estimates 20K points Non-AffiliateThis is NOT an affiliate offer. $200 cash back after spending $1.5K in first six months. Note: $200 is awarded as 20,000 ThankYou® Points. No Annual Fee Learn more 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. FM Mini Review: 2X rewards for all spend with no annual fee makes this card a winner. Earn 2X everywhere and redeem for the equivalent of 2% cash back or 2X ThankYou points. Pair with the Premier or Prestige card to make points transferrable to airlines. Click here for our complete card review
Chase Freedom Unlimited® ⓘ $296 1st Yr Value EstimateClick to learn about first year value estimates $200 cash back* ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Earn $200 (*awarded as 20,000 points) after spending $500 in the first 3 months No Annual Fee Learn more 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) FM Mini Review: Great for 3x categories and 1.5X everywhere else. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred. Click here for our complete card review
Chase Freedom Flex ⓘ $292 1st Yr Value EstimateClick to learn about first year value estimates $200 cash back* ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer Earn $200 (*awarded as 20,000 points) after spending $500 in the first 3 months No Annual Fee Learn more 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. FM Mini Review: Great for 5X and 3x categories and World Mastercard benefits. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred.
Capital One VentureOne Rewards Credit Card ⓘ $284 1st Yr Value EstimateClick to learn about first year value estimates 20K miles ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening. No Annual Fee Learn more 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. FM Mini Review: Decent welcome offer for a card with no annual fee, but other cards offer better rewards for ongoing spend.
AT&T Points Plus Card ⓘ $284 1st Yr Value EstimateClick to learn about first year value estimates $200 statement credit Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $200 statement credit after $1K Spend in 3 Months No Annual Fee Learn more 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. FM Mini Review: This has a good gas station bonus for a no annual fee card, but there's not much else to make it a compelling card
Citi Custom Cash® Card ⓘ $276 1st Yr Value EstimateClick to learn about first year value estimates 20K Points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 20K points after $1500 spend in the first 6 months No Annual Fee Learn more 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 9/13/22 - 20,000 points after $750 spend in first 3 months FM Mini Review: This is a great card to have and hold for a single category where you spend no more than $500 per month as it represents an excellent return without rotating categories to track.
Wells Fargo Autograph℠ Card ⓘ $263 1st Yr Value EstimateClick to learn about first year value estimates 20K points Non-AffiliateThis is NOT an affiliate offer. 20K after $1,000 spend in first 3 months. No Annual Fee Learn more 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.
The Blue Business® Plus Credit Card from American Express ⓘ $233 1st Yr Value EstimateClick to learn about first year value estimates 15K points + 0% APR for 12 months ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 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, 17.49% - 27.49%,, based on your creditworthiness and other factors at account opening. (Rates & Fees) No Annual Fee Learn more Alternate Offer: Some people have been targeted for an offer in their online account for 75K points after $15K in purchases in their first 12 months. FM Mini Review: 2X rewards for all spend (up to $50K per year) with no annual fee makes this card a winner. Click here for our complete card review
Wells Fargo Active Cash Card ⓘ $195 1st Yr Value EstimateClick to learn about first year value estimates $200 Cash Back Non-AffiliateThis is NOT an affiliate offer. $200 after $500 spend in the first 3 months No Annual Fee Learn more 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. FM Mini Review: This card offers a competitive flat 2% back on purchases and includes good cell phone insurance for a no annual fee card (up to $600 in protection with just a $25 deductible). Pair with a Wells Fargo Autograph or Autograph Journey card to make the rewards transferable to airline and hotel partners.
Business Green Rewards Card from American Express ⓘ $91 1st Yr Value EstimateClick to learn about first year value estimates 15K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 15K points after $3K spend within first 3 months of card membership. Terms & limitations apply. (Rates & Fees) $95 Annual Fee Learn more
Mesa Homeowner Card ⓘ $50 1st Yr Value EstimateClick to learn about first year value estimates 5K Points ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer Earn 5,000 points after approval (referral offer) No Annual Fee Learn more 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: Earn 50K points after spending $5K in eligible purchases within the first 90 days after using the code Bonus50 during application. (Expired 5/29/25) FM Mini Review: Interesting card for the ability to earn transferable points with mortgage payments, especially if you can use one or more of the spending perks.
Brex Cash ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates None Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler No Annual Fee Learn more Alternate Offer: Earn a $250 Amazon gift card after $1k spend with our referral link 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. FM Mini Review: Given the recent downward spiral of Brex, there's probably better places to concentrate business spending.
Bilt Mastercard ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates None ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer There is no official welcome offer, 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 Learn more 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. FM Mini Review: If you pay rent and haven't been earning rewards, this card is a no-brainer as you can pay your rent and earn rewards with no annual fee. A surprisingly good set of transfer partners makes the rewards for using this for rent worth getting the card for that main purpose alone (as long as you remember to use the card 5 times per month).

And here are the top airline miles offers. Click on any card link to go to a detailed Frequent Miler page about that card:

Card Offer
The New United Quest℠ Card ⓘ $1048 1st Yr Value Estimate$200 TravelBank cash valued at $170 Click to learn about first year value estimates 100K Miles + 3,000 PQPs ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 100K miles and 3,000 PQPs after $4K spend in the first 3 months. $350 Annual Fee Learn more This card is subject to Chase's 5/24 rule (click here for details). Recent better offer: None.
Delta SkyMiles® Gold Business American Express Card ⓘ $993 1st Yr Value Estimate$150 Delta Stays credit valued at $75 Click to learn about first year value estimates 90K miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Limited Time Offer: Earn 90,000 bonus miles after spending $6,000 in eligible purchases on your new card in your first 6 months of card membership. Terms and limitations apply. (Rates & Fees) (Offer Expires 7/16/2025) $0 introductory annual fee for the first year, then $150 Learn more FM Mini Review: Priority boarding and first checked bag free make this a reasonably good option for Delta flyers who do not have elite status. However, those who can make use of an annual companion certificate would do better with the Delta Platinum card.
Alaska Airlines Visa Signature ⓘ $982 1st Yr Value EstimateCompanion ticket for $99+taxes and fees valued at $150 Click to learn about first year value estimates 65K miles + Companion Fare Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 65k miles + companion fare after $3K spend in 90 days $95 Annual Fee Learn more Alternate Offer: Alternate offer for 60k miles + 30% flight discount code valid for one person 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: 75K miles + companion fare after $3k in spend (expired 6/5/25) FM Mini Review: Alaska miles are quite valuable so this offer is better than it appears
Delta SkyMiles® Gold American Express Card ⓘ $912 1st Yr Value Estimate$100 Delta Stays credit valued at $50 Click to learn about first year value estimates 80K miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Limited Time Offer: Earn 80,000 bonus miles after you spend $3,000 in eligible purchases on your new card in your first 6 months of card membership. Terms apply. (Rates & Fees) (Offer Expires 7/16/2025) $0 introductory annual fee for the first year, then $150 Learn more Alternate Offer: Dummy booking offer of 50K + $500 credit. See this for more details. FM Mini Review: Priority boarding, and free checked bag make this a reasonably good option for Delta flyers who do not have elite status. However, those who can make use of an annual companion certificate would do better with the Delta Platinum card.
Alaska Airlines Visa Business Card ⓘ $891 1st Yr Value EstimateCompanion ticket for $99+taxes and fees valued at $150 Click to learn about first year value estimates 60K miles + Companion Fare Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 60K miles + Companion Fare ($99 fare + taxes) after $4K spend in 3 months $95 Annual Fee Learn more 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: 75K after $4K in 3 months [Expired 6/25] FM Mini Review: Alaska miles are quite valuable so this offer is better than it appears
The Aeroplan® Card ⓘ $887 1st Yr Value EstimateClick to learn about first year value estimates 75K Points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 75K points after $4K spend in the first 3 months. $95 Annual Fee Learn more This card is likely subject to Chase's 5/24 rule (click here for details). FM Mini Review: Great card for regular or frequent Air Canada flyers
avianca lifemiles American Express® Elite Card ⓘ $871 1st Yr Value EstimateClick to learn about first year value estimates Up to 100K miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler Up to 100K miles: Earn 20K bonus miles after one purchase + 80K miles after $10K total spend in first 180 days $249 Annual Fee Learn more 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 1/23/25) Up to 120K miles: Earn 80K bonus miles after $4.5K spend in first 90 days + 40K miles after $25K total spend in first 12 months FM Mini Review: If you were already interested in a LifeMiles+ subscription, this card might be appealing since it only costs $9 more than the cost of 12 months of the "Lite" subscription (or you can enjoy the same annual $240 in value toward higher subscription levels with a $20 monthly discount). It could be worth getting the card for the Silver Elite benefits if you would have considered buying a LifeMiles+ subscription anyway. However, for ongoing spend, it is less compelling given the fact that many transferable currency cards offer superior return on spend.
Citi® / AAdvantage Business™ World Elite Mastercard® ⓘ $842 1st Yr Value EstimateClick to learn about first year value estimates 65K miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 65K miles after $4K spend in first 5 months $0 introductory annual fee for the first year, then $99 Learn more 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: 75K miles after $5K spend in first 5 months (ended 5/22/25) FM Mini Review: This card usually has a great welcome offer, but if you're looking for a card to keep long term, you'll find better options.
Free Spirit Travel More Mastercard ⓘ $811 1st Yr Value Estimate$100 companion voucher valued at $50 Click to learn about first year value estimates 65K Points + $100 Voucher Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 65K points plus $100 companion voucher after $1K spend in 90 days (enter any 110662 as "employee code") $0 introductory annual fee for the first year, then $79 Learn more 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.
The New United℠ Explorer Card ⓘ $791 1st Yr Value EstimateClick to learn about first year value estimates Up to 65k miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Limited Time Offer: 60K miles after $3K spend in 3 months. Plus, earn an extra 5,000 miles after you add an authorized user to your account in the first 3 months your account is open. $0 introductory annual fee for the first year, then $150 Learn more Alternate Offer: There is currently an in-flight offer for up to 75K. This card is subject to Chase's 5/24 rule (click here for details). Recent better offer: 80K Miles after $3K in spend (expired 5/8/25) FM Mini Review: Decent perks such as free 1st checked bag and 2 annual club visits makes this a keeper for some.
Air France KLM World Elite Mastercard ⓘ $787 1st Yr Value EstimateClick to learn about first year value estimates 70K miles + 100XP Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 70K miles + 40XP after $3K in the first 90 days + 60 XP upon approval $89 Annual Fee Learn more Alternate Offer: Some people get an offer for $100 statement credit while doing 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. FM Mini Review: Valuable primarily only for the welcome offer, then it should go off to the sock drawer unless you're interested in Flying Blue elite status. Click here for our complete card review
The Hawaiian Airlines® World Elite MasterCard® issued by Barclays ⓘ $785 1st Yr Value EstimateClick to learn about first year value estimates 60K Miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 60K miles after $1k spend within first 90 days $99 Annual Fee Learn more Alternate Offer: Some are targeted by e-mail or mail for an 85K offer 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 after one purchase within first 90 days
The Hawaiian Airlines® Bank of Hawaii World Elite Mastercard® ⓘ $769 1st Yr Value EstimateClick to learn about first year value estimates 60K Miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 60K miles after $2k spend within first 90 days. $99 Annual Fee Learn more 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 after one purchase within first 90 days
Southwest Rapid Rewards® Plus Credit Card ⓘ $758 1st Yr Value EstimateClick to learn about first year value estimates 65K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 65K points after $1K spend in the first 3 months. $69 Annual Fee Learn more 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). 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. FM Mini Review: This card can be great for its new cardmember bonus, but its ongoing perks are worth the annual fee only if fully used each year.
Southwest® Rapid Rewards® Performance Business Credit Card ⓘ $751 1st Yr Value EstimateClick to learn about first year value estimates 80K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 80K points after $5K spend within first 3 months your account is open $199 Annual Fee Learn more This card is subject to Chase's 5/24 rule (click here for details).
Delta SkyMiles® Platinum Business American Express Card ⓘ $744 1st Yr Value Estimate$200 Delta Stays credit valued at $100 Click to learn about first year value estimates 100K miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Limited Time Offer: Earn 100,000 bonus miles after spending $8,000 in eligible purchases on your new card in your first 6 months of card membership. . Terms and limitations apply. (Rates & Fees) (Offer Expires 7/16/2025) $350 Annual Fee Learn more FM Mini Review: Good choice for frequent Delta flyers who can make use of annual companion certificate
The New United℠ Business Card ⓘ $735 1st Yr Value EstimateClick to learn about first year value estimates 75K Miles + 2,000 PQP ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 75K miles + 2,000 PQP after $5K spend in first 3 months. Plus, earn an extra 5,000 miles after you add an authorized user to your account in the first 3 months your account is open. $150 Annual Fee Learn more Recent better offer: 125K miles after $5K spend in first 3 months (expired 5/8/25) FM Mini Review: Decent perks such as enhanced access to United saver level economy awards makes this a keeper for some.
Delta SkyMiles® Platinum American Express Card ⓘ $682 1st Yr Value Estimate$150 Delta Stays credit valued at $75 Click to learn about first year value estimates 90K miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Limited Time Offer: Earn 90,000 bonus miles after you spend $4,000 in eligible purchases on your new card in your first 6 months of card membership. Terms apply. (Rates & Fees) (Offer Expires 7/16/2025) $350 Annual Fee Learn more Alternate Offer: Dummy booking offer of 70K + $400 credit. See this for more details. FM Mini Review: Good choice for frequent Delta flyers who can make use of annual companion certificate
Barclays JetBlue Plus Mastercard ⓘ $663 1st Yr Value EstimateClick to learn about first year value estimates 60K Miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 60K miles after $1K in spend in 90 days and payment of annual fee. $99 Annual Fee Learn more Note that the landing page prompts you to enter a mobile phone number to continue the application, but you can click "no thanks" to continue the application on your desktop device. 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 after $1k spend in first 90 days (expired 6/5/25) 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.
Citi® / AAdvantage® Platinum Select® World Elite Mastercard® ⓘ $658 1st Yr Value EstimateClick to learn about first year value estimates 50K Miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 50K miles after $2,500 spend in first 3 months $0 introductory annual fee for the first year, then $99 Learn more Alternate Offer: There may be an alternative offer of 30K + $400 AA 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. Recent better offer: 75K miles after $3,500 spend in 3 months (ended 10/14/24) FM Mini Review: Excellent choice for a great intro bonus. Plus it offers the usual collection of perks for flying AA (free checked bag, priority boarding, etc.)
Lufthansa Miles & More® Premier World MasterCard® issued by Barclays ⓘ $637 1st Yr Value EstimateClick to learn about first year value estimates 60K Miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 60K Miles after $3K spend in 90 days + payment of the annual fee $89 Annual Fee Learn more 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 1/1/23: 100K Miles after $3K spend in 90 days
Citi® / AAdvantage® Executive World Elite Mastercard® ⓘ $635 1st Yr Value EstimateClick to learn about first year value estimates 100K miles Non-AffiliateThis is NOT an affiliate offer. 100K miles after $10,000 spend in first 3 months $595 Annual Fee Learn more 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. FM Mini Review: Good choice for those who need Admirals Club® access and those who value the Loyalty Points boosts at 50K and 90K Loyalty Points earned. Plus, it offers the usual collection of perks for flying AA (free checked bag, priority boarding, etc.) and some handy credits for Avis or Budget rentals and GrubHub.
Chase British Airways Visa Signature® Card ⓘ $630 1st Yr Value EstimateClick to learn about first year value estimates 75K Avios ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Earn 75K Avios after $5K spend in 3 months $95 Annual Fee Learn more 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 FM Mini Review: Good choice for a nice intro bonus. Award rebate makes the card a keeper if you frequently book awards from the US to Europe.
Chase Iberia Visa Signature® Card ⓘ $630 1st Yr Value EstimateClick to learn about first year value estimates 75K Avios Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler Earn 75K Avios after $5K spend in 6 months $95 Annual Fee Learn more 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 7/4/22: 100K after $5K spend FM Mini Review: Good choice for a nice intro bonus. Unless you fly Iberia often or intend to go for the big spend bonus, though, I don't see it as a compelling card to keep past the first year.
Chase Aer Lingus Visa Signature® Card ⓘ $630 1st Yr Value EstimateClick to learn about first year value estimates 75K Avios Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler Earn 75K Avios after $5K spend in 3 months $95 Annual Fee Learn more 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 7/4/22: 100K after $5K spend FM Mini Review: Good choice for a nice intro bonus. Unless you intend to go for the big spend bonus, though, I don't see it as a compelling card to keep past the first year.
Southwest® Rapid Rewards® Premier Business Credit Card ⓘ $627 1st Yr Value EstimateClick to learn about first year value estimates 60K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 60K points after $3K spend within first 3 months your account is open $99 Annual Fee Learn more This card is subject to Chase's 5/24 rule (click here for details).
AAdvantage Aviator Red World Elite MasterCard ⓘ $601 1st Yr Value EstimateClick to learn about first year value estimates 50K Miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 50K miles after 1st purchase and paying the annual fee within 90 days $99 Annual Fee Learn more 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: 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]
The Hawaiian Airlines® Business MasterCard® issued by Barclays ⓘ $587 1st Yr Value EstimateClick to learn about first year value estimates 50k Miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 50k miles after spending $4,000 within the first 90 days $99 Annual Fee Learn more 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 9/11/22: 80K + $99 statement credit after $2K spend in first 90 days
Southwest Rapid Rewards® Premier Credit Card ⓘ $533 1st Yr Value EstimateClick to learn about first year value estimates 50K points ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer 50K points after $1K spend in the first 3 months $99 Annual Fee Learn more This card is known to be 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. FM Mini Review: The combination of 6,000 points plus 2 EarlyBird Checkins each year make this card a keeper for those who fly Southwest often.
JetBlue Business Card ⓘ $515 1st Yr Value EstimateClick to learn about first year value estimates 50K Miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 50K bonus miles after spending $2K in first 90 days $99 Annual Fee Learn more 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: 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 FM Mini Review: This card is almost identical to the JetBlue Plus card except that this one offers Group A boarding and earns 2X at office supply stores rather than grocery stores. Both cards are great choices for JetBlue flyers.
The New United Club℠ Card ⓘ $515 1st Yr Value EstimateClick to learn about first year value estimates 100K Miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 90k miles after $5k spend in first 3 months + 10K bonus miles after you add an authorized user in the first 3 months. (Offer Expires 7/16/2025) $695 Annual Fee Learn more Alternate Offer: Some people see increased offers when logging in to their MileagePlus accounts. 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. 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: 95k miles after $5k spend in first 3 months (expired 5/8/25) FM Mini Review: While pricey, the Chase United Club Infinite Card is a great choice for those who want a United club membership and other perks like a 10% discount on saver awards. .
Delta SkyMiles® Reserve Business American Express Card ⓘ $506 1st Yr Value Estimate$250 Delta Stays credit valued at $125 Click to learn about first year value estimates 110K miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Limited Time Offer: Earn 110,000 bonus miles after spending $12,000 in eligible purchases on your new card in your first 6 months of card membership. . (Rates & Fees) (Offer Expires 7/16/2025) $650 Annual Fee Learn more FM Mini Review: Excellent choice for frequent Delta flyers who can make use of Delta Sky Club® access and companion certificate. Also a good choice for big spenders seeking Delta elite status.
Delta SkyMiles® Reserve American Express Card ⓘ $483 1st Yr Value Estimate$200 Delta Stays credit valued at $100 Click to learn about first year value estimates 100K miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Limited Time Offer: Earn 100,000 bonus miles after you spend $6,000 in eligible purchases on your new card in your first 6 months of card membership. Terms apply. (Rates & Fees) (Offer Expires 7/16/2025) $650 Annual Fee Learn more FM Mini Review: Excellent choice for frequent Delta flyers who can make use of Delta Sky Club® access and companion certificate. Also a good choice for big spenders seeking Delta elite status.
Southwest Rapid Rewards® Priority Credit Card ⓘ $483 1st Yr Value EstimateClick to learn about first year value estimates 50K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 50K points after $1K spend in the first 3 months. $149 Annual Fee Learn more This card is known to be subject to Chase's 5/24 rule. FM Mini Review: Great for frequent Southwest flyers - this card could easily be a long-term keeper.
Korean Air SKYPASS Business Visa issued by US Bank ⓘ $465 1st Yr Value EstimateClick to learn about first year value estimates 50K miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 50K miles after $5K in 90 days $95 Annual Fee Learn more 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.
Virgin Red Rewards Mastercard® ⓘ $410 1st Yr Value EstimateClick to learn about first year value estimates 40K Points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 40K after $3K spend in 90 days + 2.5k for adding an authorised user (up to 4) $99 Annual Fee Learn more Alternate Offer: Increased targeted offers may be 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. FM Mini Review: The Tier Points and annual 3rd night free at Virgin Hotels might be useful for some, especially with the anniversary bonus...but it's more "meh" than "yeah" for most of us.
Frontier Airlines World MasterCard® ⓘ $380 1st Yr Value EstimateClick to learn about first year value estimates 50K miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler Earn 50K miles after $1000 in purchases in the first 90 days + instant Gold status with account opening & first purchase; maintain Gold status for 12 months with $3,000 in purchases within first 90 days. $99 Annual Fee Learn more 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: Up to 100K miles: Earn 50K miles + $100 Frontier flight voucher after $500 in purchases in the first 90 days + instant Gold status with account opening & first purchase; maintain Gold status for 12 months with $3,000 in purchases within first 90 days. Plus, earn an additional 50,000 miles if you apply by 1/31/25, are approved, provide proof that you are the primary cardholder of a co-branded credit card with another US domestic airline, and complete $3,000 in purchases in the first 180 days.
The New United Gateway(SM) Card ⓘ $372 1st Yr Value EstimateClick to learn about first year value estimates 30K Miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 30K miles after $1K spend in first 3 months. Plus, earn an extra 5,000 miles after you add an authorized user to your account in the first 3 months your account is open. (Offer Expires 7/16/2025) No Annual Fee Learn more Alternate Offer: Some people see increased offers when logging in to their MileagePlus accounts. This card is subject to Chase's 5/24 rule (click here for details).
avianca lifemiles American Express® Card ⓘ $367 1st Yr Value EstimateClick to learn about first year value estimates 40K miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler Earn 40K bonus miles after $3K in first 90 days $99 Annual Fee Learn more 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 1/25) Earn 50K bonus miles after $3K in first 90 days FM Mini Review: This card could be worthwhile for those who fly Avianca enough to take advantage of Silver Elite benefits but not enough to earn that status. However, it isn't a great way to earn Avianca Lifemiles long-term.
TAP MIles&Go American Express Card ⓘ $354 1st Yr Value EstimateClick to learn about first year value estimates 40K miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 40K after $2,500 spend in first 90 days $79 Annual Fee Learn more 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 1/10/25) Earn 50K bonus miles + 10K status miles after $2.5K in first 90 days FM Mini Review: The two free checked bags per year and two lounge passes could justify the annual fee, but this card isn't a clear win for most people.
Korean Air SKYPASS Visa issued by US Bank ⓘ $353 1st Yr Value EstimateClick to learn about first year value estimates 40K miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 40K miles after $4K spend in 90 days $95 Annual Fee Learn more 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.
Turkish Airlines Miles&Smiles Premier Visa Signature® Credit Card ⓘ $324 1st Yr Value EstimateClick to learn about first year value estimates 40K Miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 40K miles after $4K spend within 90 days of account opening $99 Annual Fee Learn more 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. FM Mini Review: Meh. There's better ways to earn Turkish Miles.
Emirates Skywards Rewards World Elite Mastercard ⓘ $303 1st Yr Value EstimateClick to learn about first year value estimates 40K Miles + 1 Year Silver status Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 40K after $3K spend in 90 days $99 Annual Fee Learn more 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.
BREEZE EASY™ VISA® CREDIT CARD ⓘ $290 1st Yr Value EstimateClick to learn about first year value estimates 40K Points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 40K points after $1K spend in 90 days $89 Annual Fee Learn more 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: 40k points after $2k spend in 90 days FM Mini Review: Points are worth $0.01 each toward paid travel. This card might be worth it for the bonus if you know you'll make good use of BreezePoints. Long term, it only makes sense if you frequently fly Breeze Airways -- and even then, there are other cards that might be as good or better for airfare purchases depending on how you value transferable points vs airline-specific penny points.
The New United Club℠ Business Card ⓘ $288 1st Yr Value EstimateClick to learn about first year value estimates 80K Miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 80K Miles + 2,000 PQP after $5K in purchases in the first 3 months. Plus, earn an extra 5,000 miles after you add an authorized user to your account in the first 3 months your account is open $695 Annual Fee Learn more 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: 125K Miles after $5K in purchases in the first 3 months (expired 5/8/25) FM Mini Review: While pricey, the Chase United MileagePlus® Club Business Card is a great choice for those who want a United club membership
Qatar Airways Privilege Club Signature Card ⓘ $281 1st Yr Value EstimateClick to learn about first year value estimates Up to 40K Avios Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 20K Avios after first transaction, then an additional 20K after $3,000 spend within the first 90 days $99 Annual Fee Learn more 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: 20K Avios after first transaction, then an additional 50K after $3,500 spend within the first 90 days [Ended 6/16/24] FM Mini Review: The reward fee rebate can make this card worth keeping if you'll be booking award flights with Qatar Avios
Cathay Pacific Visa Signature card ⓘ $263 1st Yr Value EstimateClick to learn about first year value estimates 38K Miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 38K miles after $3,000 spend in the first 90 days $99 Annual Fee Learn more 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: Note that some received a targeted email offer for 65K miles after $5K spend in 90 days on the old version of the card
Emirates Skywards Premium World Elite Mastercard ⓘ $248 1st Yr Value EstimateClick to learn about first year value estimates 70K Miles + 1 Year Gold status Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 70K after $3K spend in 90 days $499 Annual Fee Learn more 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.
Korean Air SKYPASS Select Visa issued by US Bank ⓘ $240 1st Yr Value EstimateClick to learn about first year value estimates 60K miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 60K miles after $5K spend in 90 days $450 Annual Fee Learn more 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. FM Mini Review: This is a very weak offer considering the hefty annual fee.
American Airlines AAdvantage® MileUp® Card ⓘ $202 1st Yr Value EstimateClick to learn about first year value estimates 15K miles Non-AffiliateThis is NOT an affiliate offer. Earn 15K AA miles after $500 spend in 3 months No Annual Fee Learn more 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. FM Mini Review: Not bad for grocery spend if you highly value AA miles
Barclays JetBlue Premier Mastercard ⓘ $191 1st Yr Value EstimateClick to learn about first year value estimates 60K Miles + 5 tiles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 60K miles + 5 tiles after $5K in spend in 90 days and payment of annual fee. $499 Annual Fee Learn more 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 + 5 tiles after $5K in spend in 90 days and payment of annual fee. (Expired 6/5/25) FM Mini Review: This card is difficult to justify, even for the welcome offer. Note also the $150 fee per authorized user. While cardholders will get access to JetBlue lounges when those open, the first of two that have been announced is scheduled to open in late 2025. Until JetBlue lounges open, the perks just don't justify the annual fee. Consider the JetBlue Plus card instead, though note that those who have or have had the Plus card aren't eligible for the Premier card.
Allegiant World Mastercard® Credit Card ⓘ $170 1st Yr Value EstimateClick to learn about first year value estimates 25K miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 25K after $1K in first 90 days $59 Annual Fee Learn more 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. FM Mini Review: Points are worth $0.01 each toward airfare and do not expire unless you cancel the card. If you cancel the card, you forfeit all points. Between that policy and the annual fee, this card probably isn't worth it in most scenarios.
JetBlue Card ⓘ $112 1st Yr Value EstimateClick to learn about first year value estimates 10K miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 10K points after $1K spend in 90 days. No Annual Fee Learn more 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. FM Mini Review: Not bad for a no annual fee airline card.
Free Spirit Travel Mastercard ⓘ $111 1st Yr Value EstimateClick to learn about first year value estimates 10K Points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 10K after $500 spend in 90 days No Annual Fee Learn more 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.
Delta SkyMiles® Blue American Express Card ⓘ $96 1st Yr Value EstimateClick to learn about first year value estimates 10K miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 10K miles after $1000 spend in the first 6 months. Terms apply. (Rates & Fees) No Annual Fee Learn more Note an unusual restriction: Welcome offer not available if you've had another Delta consumer card in the past 90 days. FM Mini Review: This card offers an OK welcome offer for a no annual fee card, but many/most other cards offer better return for spend.
LATAM Airlines World Elite Mastercard ⓘ $79 1st Yr Value EstimateClick to learn about first year value estimates 40K Miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 40K miles after $2,500 spend within the first three months $99 Annual Fee Learn more 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. FM Mini Review: Only for hardened LATAM loyalists, this card has little appeal due to the low value of LATAM Pass points.
LATAM Airlines Mastercard ⓘ $65 1st Yr Value EstimateClick to learn about first year value estimates 15K Miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 15K miles after $1,000 spend within the first three months No Annual Fee Learn more 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. FM Mini Review: Even with no annual fee, this card has little appeal due to the low value of LATAM Pass points.
Qatar Airways Privilege Club Infinite Card ⓘ $-49 1st Yr Value EstimateClick to learn about first year value estimates Up to 50K Avios + 150 Qpoints Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 25K Avios after first transaction, then an additional 25K and 150 Qpoints after $5,000 spend within the first 90 days $499 Annual Fee Learn more 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: 25K Avios after first transaction, then an additional 75K and 150 Qpoints after $6,000 spend within the first 90 days [Ended 6/16/24] FM Mini Review: Getting complimentary oneworld Sapphire for one year could be appealing for folks who value the Admiral's Club access. Beyond that, the card's steep annual fee will probably make this most appealing for those who actually fly Qatar regularly, especially now that there's the reward fee rebate

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