How to Earn Rewards by Paying Rent

NOTICE: This post references card features that have changed, expired, or are not currently available

Separately, we posted about a new loyalty program named “Bilt” which is designed to offer rewards for paying rent.  But Bilt isn’t the only way to earn rewards from your rent payments.  Bigger and better rewards are possible, but maybe not as easy as with Bilt.  Here’s a primer on the best ways to earn rewards from paying rent…

Pay Rent with a Credit Card

Bilt Rewards

Bilt Rewards offers a Mastercard credit card which allows paying rent with no fees.  It’s possible to earn up to 2 points per dollar on your rent payments, but only if you also spend a considerable amount with the same card on other spend at 1 point per dollar.  Rewards from paying rent are capped at 4,000 points per month.  Despite that limitation, Bilt is probably the simplest option to earn rewards while paying rent.  Plus, Bilt Rewards points can be transferred to a number of loyalty programs in order get even more value.  American Airlines and Hyatt are two particularly notable transfer partners.  AA is notable because no other transferable points program transfers to AA 1 to 1.  Hyatt is notable because their points are usually worth over 1.5 cents each towards hotel stays and sometimes much more.  Other transfer partners include Air Canada’s Aeroplan, Air France/KLM FlyingBlue, Cathay Pacific Asia Miles, Emirates Skywards, Hawaiian Miles, IHG Rewards, Turkish Miles & Smiles, United MileagePlus, and Virgin Atlantic Flying Club.

More details about Bilt Rewards can be found here.

Plastiq Bill Payment Service

Plastiq is a bill payment service that allows paying almost any bill with a credit card for a fee (currently 2.85%).  Plastiq imposes some limits on which types of bills can be paid with different kinds of credit cards, but residential rent payments are allowed with almost any type of credit card. One exception: Capital One doesn’t allow Plastiq payments of any kind with their consumer cards, but they do allow them with their business cards.

When using a rewards credit card to make these payments, you will earn rewards as if it was a regular purchase — you will not incur cash advance fees.  Plastiq does not accept prepaid cards or gift cards.

More details about Plastiq can be found here: Complete guide to Plastiq credit card payments.

Landlord Specific Options

Many landlords accept credit card payments, but usually with a fee of around 3%.  In some cases, you’ll be offered a flat fee for paying by credit card.  In that case, the fee as a percent of spend can be very low if your rent is fairly high.

Earn rewards through welcome bonuses

Many banks offer huge bonuses when you sign up for a new card and meet the minimum spend requirements.  For example, it’s common to see an offer for 50,000 points or more after $4,000 spend in 3 months.  With these big welcome bonuses, it can be well worth paying Plastiq’s 2.85% fee (or your landlord’s credit card fee, if that’s an option) in order to meet the minimum spend requirements by paying your rent via credit card.

The following list shows the best current welcome bonuses based on our estimate of first year value.  First year value estimates include the value of points or other rewards earned minus the first year annual fee and minus the “cost” of the minimum spend (for various reasons, we assume a 3% cost, which is very close to Plastiq’s 2.85% fee).  As you can see, rewards earned from welcome bonuses can be huge:

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. Rates & Fees $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.
Sapphire Reserve for 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 ⓘ $1738 1st Yr Value Estimate$200 airline incidental fee credit for select airline only valued at $140, $200 Hilton credit ($50 per quarter) valued at $150, $120 wireless credit ($10 per month) valued at $90, $150 Dell credit valued at $37.5 Click to learn about first year value estimates 150K points ⓘ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. Terms apply. (Rates & Fees) $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 ⓘ $1544 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 Click to learn about first year value estimates 125K Points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 125K after $6K spend in 3 months. $795 Annual Fee Learn more 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
Capital One Spark Cash Plus ⓘ $1520 1st Yr Value EstimateClick to learn about first year value estimates $2,000+ Cash Back ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Earn a $2K cash bonus when you spend $30K in the first 3 months + earn an additional $2K bonus for every $500K spent within the first year. $150 Annual Fee Learn more Note: This card is not expected to count against Chase's 5/24 Rule Recent better offer: Expired 3/14/22: $3K after $50K spend in 6 months FM Mini Review: This may be a good option for business owners who prefer simple cash back rewards. Note that this is a pay-in-full card, so your balance is due in full every month.
American Express® Gold Card ⓘ $1307 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 As high as 100K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer As high as 100K points after $6K spend in 6 months. Welcome offers vary and you may not be eligible for an offer. Terms apply. Rates & Fees $325 Annual Fee Learn more Alternate Offer: Referral Offer - 90K points after spending $6,000 in 6 months 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.
Southwest Rapid Rewards® Plus Credit Card ⓘ $1129 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 $4K spend in the first 5 months. $99 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). 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.
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.
Atmos™ Rewards Ascent Visa Signature® Card ⓘ $1088 1st Yr Value EstimateCompanion ticket for $99+taxes and fees valued at $150 Click to learn about first year value estimates 85K points + Companion Fare Non-AffiliateThis is NOT an affiliate offer. 85K points + Companion Fare ($99 fare + taxes) after $4K spend in 120 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. Recent better offer: None FM Mini Review: A winner for the welcome offer and a possible keeper for the companion fare and flight benefits
Southwest Rapid Rewards® Premier Credit Card ⓘ $1079 1st Yr Value EstimateClick to learn about first year value estimates 100K 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 100K points after $4K spend in the first 5 months. $149 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.
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
Atmos™ Rewards Business Visa Card ⓘ $1070 1st Yr Value EstimateCompanion ticket for $99+taxes and fees valued at $150 Click to learn about first year value estimates 85K points + Companion Fare Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 85K points + Companion Fare ($99 fare + taxes) after $5K spend in 3 months. Promo code required; any 7 digit number should work. $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: None FM Mini Review: A winner for the welcome offer and a possible keeper for the companion fare and flight benefits
Citi® / AAdvantage® Platinum Select® World Elite Mastercard® ⓘ $1061 1st Yr Value EstimateClick to learn about first year value estimates 80K Miles Non-AffiliateThis is NOT an affiliate offer. 80K miles after $3,500 spend in first 4 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: None 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.)
The New United℠ Business Card ⓘ $1060 1st Yr Value EstimateClick to learn about first year value estimates 100K Miles + 2,000 PQP ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 100K miles + 2,000 PQP after $5K spend in first 3 months. Plus, earn an extra 10,000 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.
Atmos™ Rewards Summit Visa Infinite® Card ⓘ $1047 1st Yr Value Estimate25K Global Companion Fare valued at $250 Click to learn about first year value estimates 100K points + 25K Companion Award Non-AffiliateThis is NOT an affiliate offer. 100k points + 25K global companion award after $6K spend in 90 days $395 Annual Fee Learn more Alternate Offer: Those who joined the waitlist can earn an extra 5,000 points by applying through an emailed 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. Recent better offer: None FM Mini Review: Atmos points are quite valuable, and this could be a great option for Alaska / Hawaiian customers and those interested in elite status. 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
The Aeroplan® Card ⓘ $1027 1st Yr Value EstimateClick to learn about first year value estimates 85K Points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 85K 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). 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 card for regular or frequent Air Canada flyers
Southwest Rapid Rewards® Priority Credit Card ⓘ $999 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 $4K spend in the first 5 months. $229 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.
Marriott Bonvoy Boundless® Credit Card ⓘ $995 1st Yr Value Estimate3 Marriott 50K Free Nights valued at $912, $250 airline incidental fee credit valued at $225 Click to learn about first year value estimates 3 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 three 50K free night certificates after spending $3,000 on eligible purchases within the first 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: Earn five 50K free night certificates after spending $5,000 on eligible purchases within the first 3 months (Expired 7/24/25)
Citi Strata Elite℠ Card ⓘ $991 1st Yr Value Estimate$200 Blacklane credit valued at $80, $200 "Splurge" credit valued at $160, $300 hotel credit via Citi Travel valued at $180 Click to learn about first year value estimates 80K Points Non-AffiliateThis is NOT an affiliate offer. 80,000 points after $4,000 spend in 3 months. $595 Annual Fee Learn more Alternate Offer: 100,000 points after $4,000 spend in 3 months. This offer is available in-branch or possibly via email. 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: Excellent portfolio of transfer partners, but mediocre bonus categories and a so-so group of credits. Recommend pairing this with Citi Premier and/or Double Cash. 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 Non-AffiliateThis is NOT an affiliate offer. 75k miles after $4k spend within first 3 months $95 Annual Fee Learn more Alternate Offer: Alternate offer for 75k miles + $300 travel credit available for some via referral pre-approval 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
Marriott Bonvoy® Brilliant® American Express® Card ⓘ $931 1st Yr Value Estimate$300 dining credit ($25 per month) valued at $270 Click to learn about first year value estimates 185K Points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Earn 185K points after $6k in eligible purchases within your first 6 months of card membership. Terms apply. Rates & Fees $650 Annual Fee Learn more Recent better offer: None FM Mini Review: Decent ultra-premium option for Marriott fans, especially those aiming for lifetime status tiers
Barclays JetBlue Plus Mastercard ⓘ $923 1st Yr Value EstimateClick to learn about first year value estimates Up to 80K Points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 60K points after $1K in spend in 90 days and payment of annual fee, with 20K additional points after spending $6,000 in the first year $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. 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.
JetBlue Business Card ⓘ $905 1st Yr Value EstimateClick to learn about first year value estimates Up to 80K Points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 60K bonus points after spending $2K in first 90 days, with 20K additional points after spending $6,000 in the first year $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: 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 Hawaiian Airlines® World Elite MasterCard® issued by Barclays ⓘ $896 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 after $2.5k spend within first 90 days. Appplication requires a six-digit promo code. Any random number will work. $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
Capital One Spark Cash ⓘ $890 1st Yr Value EstimateClick to learn about first year value estimates $1,000 Cash Back ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer $1,000 after $10,000 spend in 3 months from account opening $0 introductory annual fee for the first year, then $95 Learn more Recent better offer: $1,500 after $15,000 spend in 3 months from account opening (Expired 8/11/25) FM Mini Review: A good option for business owners who prefer simple cash back rewards.
The New United℠ Explorer Card ⓘ $856 1st Yr Value EstimateClick to learn about first year value estimates Up to 70k miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 60K miles after $3K spend in 3 months. Plus, earn an extra 10,000 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.
Marriott Bonvoy Bevy® American Express® Card ⓘ $849 1st Yr Value EstimateClick to learn about first year value estimates 155K Points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Earn 155K points after $5k in eligible purchases within your first 6 months of card membership. Terms apply. Rates & Fees $250 Annual Fee Learn more Recent better offer: None
Alaska Airlines Visa Signature ⓘ $846 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
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.
Chase World of Hyatt Business Credit Card ⓘ $816 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 after $5,000 spend in 3 months. $199 Annual Fee Learn more This card is subject to Chase's 5/24 rule. Recent better offer: 60K points after $5K in 3 months + Category 1-4 Free Night Certificate after $15K total in 6 months. (Expired 3/6/25) FM Mini Review: Great for its initial welcome offer and for Hyatt enthusiasts to spend toward status and rebate on award stays.
Hilton Honors American Express Aspire Card ⓘ $811 1st Yr Value Estimate$400 Hilton resort credit ($200 per six months) valued at $280, Hilton Free Night valued at $418, $200 airline credit ($50 per quarter) valued at $160 Click to learn about first year value estimates 150K Points + free night certificate ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 150K after $6K spend in first 6 months. Free night certificate every year - first certificate is awarded 8-12 weeks after approval. Terms apply. Rates & Fees $550 Annual Fee Learn more Recent better offer: (Expired 4/29/25) 175K after $6K spend in first 6 months 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 twice per year.
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.
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 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. $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]
Alaska Airlines Visa Business Card ⓘ $763 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
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
IHG One Rewards Premier Credit Card ⓘ $717 1st Yr Value EstimateClick to learn about first year value estimates 140K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Earn 140K points after spending $3K on purchases in the first 3 months from account opening. $99 Annual Fee Learn more This card is subject to Chase's 5/24 rule (click here for details). Recent better offer: Five 60K free night certificates after $4K spend in 3 months (Expired 7/24/25)
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. $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.
IHG One Rewards Premier Business Credit Card ⓘ $704 1st Yr Value EstimateClick to learn about first year value estimates 140K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Earn 140K points after spending $4K on purchases in the first 3 months from account opening. $99 Annual Fee Learn more This card is expected to be subject to Chase's 5/24 rule (click here for details). Recent better offer: 200K after $9k spend in 6 months (expired 4/30/25)
Marriott Bonvoy Business® American Express® Card ⓘ $699 1st Yr Value EstimateClick to learn about first year value estimates 125K Points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Limited Time Offer: Earn 125,000 Marriott Bonvoy points after $8,000 in eligible purchases within the first 6 months of Card Membership. Terms apply. (Rates & Fees) (Offer Expires 10/22/2025) $125 Annual Fee Learn more Recent better offer: 5x50K free night certificates after $8K in spend (expired 10/16/24)
Chase Ink Business Premier® ⓘ $695 1st Yr Value EstimateClick to learn about first year value estimates $1,000 Cash Back ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer $1K after $10K Spend in 3 Months $195 Annual Fee Learn more FM Mini Review: This is an almost 1 to 1 copy of Capital One's Spark Cash Plus card, but the Chase card throws in 2.5% earnings on very large purchases. Unfortunately, the Chase card also has a slightly higher annual fee. The biggest disappointment about this card is that, unlike other Chase Ink cards, the rewards cannot be moved to other Chase cards to improve their value. Even though this card technically earns Ultimate Rewards points, it's best to think of it as a straight up cash back card. Click here for our complete card review
Delta SkyMiles® Gold Business American Express Card ⓘ $687 1st Yr Value Estimate$150 Delta Stays credit valued at $75 Click to learn about first year value estimates 60K miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Earn 60,000 bonus miles after spending $4,000 in eligible purchases on your new card in your first 6 months of card membership. Terms and limitations apply. (Rates & Fees) $0 introductory annual fee for the first year, then $150 Learn more Recent better offer: 90K bonus miles after $6K spend (Expired 7/17/25) 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.
Capital One Spark Miles Select Business Credit Card ⓘ $683 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 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.
The New United Club℠ Business Card ⓘ $678 1st Yr Value EstimateClick to learn about first year value estimates 100K Miles + 2,000 PQP Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 100K Miles + 2,000 PQP after $5K in purchases in the first 3 months. Plus, earn an extra 10,000 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
Virgin Red Rewards Mastercard® ⓘ $673 1st Yr Value EstimateClick to learn about first year value estimates 60K Points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 60K after $4K spend in 90 days + 2.5k for adding an authorised user (up to 4) $99 Annual Fee Learn more Alternate Offer: 60K points + $100 available via a dummy booking; see this post for more details Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. 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.
The New United Quest℠ Card ⓘ $658 1st Yr Value Estimate$200 TravelBank cash valued at $170 Click to learn about first year value estimates 70K Miles + 1,000 PQP ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 70K miles and 1,000 PQPs after $4K spend in the first 3 months. Plus, earn an extra 10,000 miles after you add an authorized user to your account in the first 3 months your account is open. $350 Annual Fee Learn more This card is subject to Chase's 5/24 rule (click here for details). Recent better offer: 100K miles and 3,000 PQPs after $4k spend in 3 months (Expired 8/21/25)
Southwest® Rapid Rewards® Performance Business Credit Card ⓘ $651 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 $299 Annual Fee Learn more This card is subject to Chase's 5/24 rule (click here for details).
The Hawaiian Airlines® Bank of Hawaii World Elite Mastercard® ⓘ $645 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
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.
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]
U.S. Bank Business Leverage® Visa Signature® Card ⓘ $593 1st Yr Value EstimateClick to learn about first year value estimates 75K Points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 75K (worth $750 as a statement credit or deposit into eligible account) after $7500 spend in first 4 months $0 introductory annual fee for the first year, then $95 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: Since the points are worth 1c each, this card isn't terribly rewarding for ongoing spend. Note that points can not be combined with the Altitude Reserve.
Delta SkyMiles® Gold American Express Card ⓘ $586 1st Yr Value Estimate$100 Delta Stays credit valued at $50 Click 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 50,000 bonus miles after you spend $2,000 in eligible purchases on your new card in your first 6 months of card membership. Terms apply. Rates & Fees $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. Recent better offer: 80K bonus miles after $3K spend (Expired 7/17/25) 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.
Southwest® Rapid Rewards® Premier Business Credit Card ⓘ $577 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 $149 Annual Fee Learn more This card is subject to Chase's 5/24 rule (click here for details).
Bank of America Premium Rewards ⓘ $531 1st Yr Value Estimate$100 airline incidental fee credit valued at $90 Click to learn about first year value estimates 60K points Non-AffiliateThis is NOT an affiliate offer. 60K points (worth up to $600) 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. 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.
Lufthansa Miles & More® Premier World MasterCard® issued by Barclays ⓘ $507 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 $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
Wyndham Rewards Earner Plus Card ⓘ $507 1st Yr Value EstimateClick to learn about first year value estimates 90K Points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 90K points after $2K spend in first 90 days $75 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 7/11/24: 100K after $2K in spend FM Mini Review: Not bad, but the business version is better.
The Hawaiian Airlines® Business MasterCard® issued by Barclays ⓘ $479 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
Hilton Honors American Express Surpass® Card ⓘ $477 1st Yr Value Estimate$200 Hilton credit ($50 per quarter) valued at $150 Click to learn about first year value estimates 130K Points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 130K points after $3K spend within the first 6 months. Terms apply. Rates & Fees $150 Annual Fee Learn more Recent better offer: (Expired 4/29/25) 130K points + free night certificate after $3K spend within the first 6 months. 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.
U.S. BANK BUSINESS ALTITUDE® CONNECT VISA SIGNATURE® CARD ⓘ $474 1st Yr Value EstimateClick to learn about first year value estimates 60K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 60K (worth $600 as a deposit into eligible account or towards travel) after $6K spend in 180 days $0 introductory annual fee for the first year, then $95 Learn more Note that only spend on the Account Owner's card (not including purchases made on employee cards) counts toward minimum spending requirements. 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 decent return on gas station and travel spend and it does feature no foreign transaction fees. However, the return on most other spend is relatively weak.
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.
Barclays JetBlue Premier Mastercard ⓘ $451 1st Yr Value EstimateClick to learn about first year value estimates 80K Points + 5 tiles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 80K points + 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. 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.
Bank of America Premium Rewards Elite ⓘ $450 1st Yr Value Estimate$300 airline incidental fee credit valued at $210, $150 lifestyles conveniences credit valued at $120 Click to learn about first year value estimates 75K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 75K (worth up to $750) after $5K spend in 90 days $550 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: With $100K+ invested with BOA / Merrill Edge or Merrill Lynch, you would earn 3.5X travel & dining and 2.62X everywhere else. With the 20% discount on flights booked via the BOA Travel Center, this card effectively earns 4.375% on travel & dining and 3.28% back everywhere else when used toward flights for those with Platinum Honors status.
IHG One Rewards Traveler Credit Card ⓘ $450 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 $2K spend in 3 months No Annual Fee Learn more Click here to view details about a similar card: IHG Rewards Club Premier Recent better offer: 120K points after $2K spend in 3 months (Expired 7/24/25) FM Mini Review: A good no annual fee card for anyone who values the 4th night free benefit.
avianca lifemiles American Express® Elite Card ⓘ $450 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 60K bonus miles after $4.5K spend in the first 90 days + 40K miles after $25K total spend in first 365 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.
U.S. Bank Business Altitude Power World Elite Mastercard ⓘ $445 1st Yr Value EstimateClick to learn about first year value estimates 75K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 75K (worth $750 as a deposit into eligible account) after $10K spend in 120 days $195 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 an excellent signup bonus. For ongoing use, it's effectively a 2% cashback card that increases to 2.5% for the first $5K in mobile wallet spend per quarter.
Wells Fargo Signify Business Cash℠ Card ⓘ $445 1st Yr Value EstimateClick to learn about first year value estimates $500 Cash Back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $500 after $5,000 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. FM Mini Review: On its own, this is a decent, no-annual fee 2% cash back card. However, when paired with the Autograph or Autograph Journey, those points become transferable to travel partners, making the uncapped 2x earnings much more appealing.
Delta SkyMiles® Platinum Business American Express Card ⓘ $438 1st Yr Value Estimate$200 Delta Stays credit valued at $100 Click to learn about first year value estimates 70K miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Earn 70,000 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) $350 Annual Fee Learn more Recent better offer: 100K bonus miles after $8K spend (Expired 7/17/25) FM Mini Review: Good choice for frequent Delta flyers who can make use of annual companion certificate
Citi Strata℠ Card ⓘ $434 1st Yr Value EstimateClick to learn about first year value estimates 30K Points Non-AffiliateThis is NOT an affiliate offer. 30,000 points after $1,000 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: Excellent bonus categories. Points transferable to select airlines. Recommend pairing this card with Citi Strata Premier and/or Citi Double Cash.
Capital One Spark Cash Select ⓘ $428 1st Yr Value EstimateClick to learn about first year value estimates $500 Cash Back ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer One time bonus: $500 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 Recent better offer: Expired 9/9/24: $750 Cash Back after $6k spend in 3 months FM Mini Review: This is a good option for business owners looking for simple cash back rewards with no annual fee. If you spend $30,000 or more per year, though, you would be better off with the 2% Spark Cash Plus 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 credit. Also note that Amex cards continue to have limited acceptance in many international destinations. Click here for our complete card review
Capital One VentureOne Rewards Credit Card ⓘ $422 1st Yr Value Estimate$100 travel credit valued at $88, $50 statement credit valued at $50 Click to learn about first year value estimates 20K miles + $50 statement credit + $100 travel credit ⓘ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, a $50 statement credit after making the minimum payment for 3 months, and a $100 credit for travel booked through Capital One within first cardholder year. 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.
Business Advantage Unlimited Cash Rewards credit card ⓘ $420 1st Yr Value EstimateClick to learn about first year value estimates $500 statement credit Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $500 statement credit after $5K 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.
Wyndham Earner ⓘ $417 1st Yr Value Estimate$150 statement credit valued at $150 Click to learn about first year value estimates 45K Points + $150 statement credit Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 45K points after $2K spend in first 90 days + $150 statement credit after first purchase No Annual Fee Learn more Alternate Offer: 60K points after $2K spend in first 90 days Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: Expired 7/11/24: 75K after $2K in spend FM Mini Review: Sign up for the bonus. Keep for the 10% award discount.
HSBC Premier World Mastercard® credit card ⓘ $416 1st Yr Value EstimateClick to learn about first year value estimates 50K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 50K points after $4K in 3 months $0 introductory annual fee for the first year, then $95 Learn more Note that the ongoing annual fee is $0 if you maintain an HSBC Premier checking account (which requires $5K per month in direct deposits to remain fee-free) 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 may be worth it for the welcome offer and possibly for the annual rideshare benefit if you have an HSBC Premier checking account and can thus keep the card annual fee-free. Note that the points value is based on HSBC's stated value when redeemed for airfare via the HSBC portal.
Marriott Bonvoy Bold Credit Card ⓘ $409 1st Yr Value EstimateClick to learn about first year value estimates 30K 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 30K points after $1k 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: 60K points + Free Night Certificate after $2K spend (Expired 7/17/25) 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
Hilton Honors American Express Business Card ⓘ $406 1st Yr Value Estimate$240 Hilton credit ($60 per quarter) valued at $180 Click to learn about first year value estimates 130K Points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Earn 130K bonus points after $6,000 in eligible purchases within your first 6 months of Card Membership. Terms apply. (Rates & Fees) $195 Annual Fee Learn more Recent better offer: 175K after $8K in spend (Expired 4/29/25) FM Mini Review: Easy way to secure Hilton Honors™ 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.
Chase World of Hyatt Credit Card ⓘ $406 1st Yr Value EstimateClick to learn about first year value estimates Up to 45K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 30K points after $3K in spend within the first 3 months, plus an exta 1 point/dollar on up to $15K spend within first 6 months. $95 Annual Fee Learn more Alternate Offer: 2 category 1-4 free night certificates after $4K spend in 3 months, plus 25K points after $12K total spend in six months. This card is subject to Chase's 5/24 rule. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 5x Category 1-4 free night certificates after $15K spend within first 3 months. (Expired 10/31/24) FM Mini Review: Great card for welcome offer and annual free night. Might be worth using regularly for additional free night and as a path to status.
U.S. Bank Business Triple Cash Rewards World Elite™ Visa ⓘ $406 1st Yr Value EstimateClick to learn about first year value estimates $500 Cash Back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $500 cash back after $4,500 spend on the account owner's card in first 150 days No Annual Fee Learn more Keep in mind that only spend on the Account Owner's card counts toward minimum spending requirements; spend on employee cards does not count. 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: Nice welcome offer. Useful for its 3% categories, but you can do much better for spend outside of those categories.
Amtrak Guest Rewards® Preferred Mastercard® ⓘ $402 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 $2K spend in the first 3 billing cycles $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: 30K points after $1K spend in the first 3 billing cycles + 2 companion certificates, 2 upgrade certificates and 2 lounge passes
The New United Club℠ Card ⓘ $385 1st Yr Value EstimateClick 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 80k miles after $5k spend in first 3 months + 10K bonus miles after you add an authorized user in the first 3 months. $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. 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 Card is a great choice for those who want a United club membership and other perks like a 10% discount on saver awards. .
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.
Wells Fargo Choice Privileges Mastercard ⓘ $378 1st Yr Value EstimateClick to learn about first year value estimates 60K Points Non-AffiliateThis is NOT an affiliate offer. 60K after $1K spend in first 3 months (Offer Expires 9/30/2025) No Annual Fee Learn more Alternate Offer: Choice members may be targeted for a higher 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. FM Mini Review: Decent bonus for a no-annual fee card, but not a great keeper unless you value the Choice Gold Status
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 10,000 miles after you add an authorized user to your account in the first 3 months your account is open. 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). Recent better offer: None
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.
Delta SkyMiles® Platinum American Express Card ⓘ $357 1st Yr Value Estimate$150 Delta Stays credit valued at $75 Click to learn about first year value estimates 60K miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Earn 60,000 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 $350 Annual Fee Learn more Alternate Offer: Dummy booking offer of 70K + $400 credit. See this for more details. Recent better offer: 90K bonus miles after $4K spend (Expired 7/17/25) FM Mini Review: Good choice for frequent Delta flyers who can make use of annual companion certificate
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.
Best Western Rewards® Premium Visa Signature® Card ⓘ $343 1st Yr Value EstimateClick 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 points after "qualifying spend" (we saw $3,000) 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. FM Mini Review: Best for those who stay often at Best Western hotels and might be worth keeping in the sock drawer for the annual free night award
TD Business Solutions Visa ⓘ $337 1st Yr Value EstimateClick to learn about first year value estimates $400 Cash Back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $400 after $3,000 spend in 90 days No Annual Fee Learn more NOTE: TD Bank's business cards DO count against 5/24. 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: $250 after $1,500 spend in 90 days, plus 5% cashback everywhere on up to $10K spend within the first 6 months (Expired 6/1/25)
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.
Capital One Quicksilver Cash Rewards Credit Card ⓘ $330 1st Yr Value Estimate$100 travel credit valued at $88, $50 statement credit valued at $50 Click to learn about first year value estimates $200 Cash Back + $50 Statement Credit + $100 Travel Credit ⓘ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 $200 after $500 spend in 3 months from account opening, a $50 statement credit after making the minimum payment for 3 months, and a $100 credit for travel booked through Capital One within first cardholder year. 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: While you can do better with a 2% cash back card that has no annual fee, the Quicksilver card often offers excellent discounts with popular services such as Spotify.
Disney Premier Visa Card ⓘ $330 1st Yr Value EstimateClick to learn about first year value estimates $400 Cash Back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $400 statement credit after $1K in purchases within first 3 months $49 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: None FM Mini Review: This card only earns 2% at gas stations, grocery stores and restaurants and 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.
Capital One Savor Cash Rewards Credit Card ⓘ $328 1st Yr Value Estimate$100 travel credit valued at $88, $50 statement credit valued at $50 Click to learn about first year value estimates $200 Cash Back + $50 Statement Credit + $100 Travel Credit ⓘ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 $200 after $500 spend in 3 months from account opening, a $50 statement credit after making the minimum payment for 3 months, and a $100 credit for travel booked through Capital One within first cardholder year. 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.
Citi® / AAdvantage® Executive World Elite Mastercard® ⓘ $328 1st Yr Value EstimateClick to learn about first year value estimates 75K miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 75K miles after $7,500 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. Recent better offer: 100K after $10K spend in 3 month (Expired 7/31/25) 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.
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.
Amtrak Guest Rewards Platinum Mastercard ⓘ $302 1st Yr Value EstimateClick to learn about first year value estimates 12K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 12K points after $1K spend in the first 3 billing cycles 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.
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.
Hilton Honors American Express Card ⓘ $291 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 $2K spend within the first 6 months. Terms apply. Rates & Fees No Annual Fee Learn more Recent better offer: 70K points + free night certificate after $2K spend within the first 6 months. (Expired 4/29/25) FM Mini Review: This card isn't particularly rewarding, but it's good to keep primarily for targeted Amex upgrade offers to the Surpass card.
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.
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
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
Carnival® World Mastercard® ⓘ $279 1st Yr Value EstimateClick to learn about first year value estimates 30K FunPoints Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 30K FunPoints after spending $1,000 within the first 90 days of 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: Even for Carnival enthusiasts, there's not much to get excited about here.
Royal Caribbean® Visa Signature® Credit Card ⓘ $279 1st Yr Value EstimateClick to learn about first year value estimates 30K Points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 30K 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: Points are worth $0.01 each toward onboard credit or cruise purchase with Royal Caribbean. You can earn a max of 540,000 points per year. Points expire 5 years after the month in which they are earned regardless of acivity. This card offers very poor value for ongoing spend and you may earn a more valuable welcome offer with less required spend with other cards.
Celebrity Cruises® Visa Signature® Credit Card ⓘ $279 1st Yr Value EstimateClick to learn about first year value estimates 30K Points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 30K points after $1K 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: Points are worth $0.01 each toward onboard credit or cruise purchase with Celebrity. You can earn a max of 540,000 points per year. Points expire 5 years after the month in which they are earned regardless of acivity. This card offers very poor value for ongoing spend and you may earn a more valuable welcome offer with less required spend with other cards.
U.S. BANK ALTITUDE® CONNECT VISA SIGNATURE® CARD ⓘ $279 1st Yr Value EstimateClick to learn about first year value estimates 30K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 30K (worth $200 as a deposit into eligible account or towards travel) 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. Recent better offer: 50K after $2K spend in 120 days (Ended 9/9/24) FM Mini Review: This card offers decent returns on gas station and travel spend and it features no foreign transaction fees, but points are now only worth 0.8cpp. However, return on most other spend is relatively weak.
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.
PenFed Pathfinder Rewards ⓘ $275 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 $3K spend in 90 days $95 Annual Fee Learn more FM Mini Review: Meh. Points are only worth about 0.85 cents each. I recommended this card when it used to have no annual fee, but not for $95 per year.
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
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.
Wells Fargo One Key™ Mastercard ⓘ $253 1st Yr Value EstimateClick to learn about first year value estimates $300 OneKeyCash Non-AffiliateThis is NOT an affiliate offer. $300 OneKeyCash after $1K 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. Recent better offer: $400 OneKey Cash after $1000 spend in first 3 months (expired 8/5/25) FM Mini Review: Good reward categories for a card with no annual fee. Could be a winner for folks who use Expedia, Hotels.com and/or vrbo frequently
BOA Business Advantage Travel Rewards World Mastercard ⓘ $252 1st Yr Value EstimateClick to learn about first year value estimates 30K points Non-AffiliateThis is NOT an affiliate offer. 30K after $3K 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.
Priceline VIP Rewards™ Visa® Card ⓘ $240 1st Yr Value Estimate$200 statement credit valued at $200 Click to learn about first year value estimates $200 + 5K Points 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 first purchase + 5,000 points after spending $500 in the first 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.
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.
Business Advantage Customized Cash Rewards credit card ⓘ $237 1st Yr Value EstimateClick to learn about first year value estimates $300 statement credit Non-AffiliateThis is NOT an affiliate offer. $300 statement credit after $3K 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: This can be a very appealing card for the $50,000/year in 3% bonus categories...and it becomes downright sexy if you have Preferred Rewards as well.
Bank of America Travel Rewards ⓘ $234 1st Yr Value EstimateClick to learn about first year value estimates 25K points worth $250 Non-AffiliateThis is NOT an affiliate offer. 25K 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.
Wells Fargo Choice Privileges Mastercard Select ⓘ $234 1st Yr Value EstimateClick to learn about first year value estimates 60K Points Non-AffiliateThis is NOT an affiliate offer. 60K after $3K spend in first 3 months $95 Annual Fee Learn more Alternate Offer: Choice members may be targeted for a higher 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. FM Mini Review: Worth getting for the welcome offer and keeping for the 30,000 anniversary points. The 5x categories could also be interesting for some.
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 in eligible purchases 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 eligible purchases (up to $50K per year) with no annual fee makes this card a winner. Click here for our complete card review
Wells Fargo One Key+™ Mastercard ⓘ $222 1st Yr Value EstimateClick to learn about first year value estimates $400 OneKeyCash Non-AffiliateThis is NOT an affiliate offer. $400 OneKeyCash after $3K spend in first 3 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. Recent better offer: $400 OneKey Cash after $3000 spend in first 3 months (expired 8/5/25) FM Mini Review: Good bonus categories, especially when combined with the 2x base earning. The anniversary bonus more or less offsets the annual fee and being able to combine primary car rental insurance with 7x earning at Expedia could be valuable for some.
U.S. Bank Shopper Cash Rewards™ Visa Signature® Card ⓘ $218 1st Yr Value EstimateClick to learn about first year value estimates $250 cash back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $250 after $2K spend in 120 days $0 introductory annual fee for the first year, then $95 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 niche choice for 6% cash back at certain retailers that some may find rewarding. Otherwise this card is not particularly exciting.
The American Express Blue Business Cash™ Card ⓘ $217 1st Yr Value EstimateClick to learn about first year value estimates $250 back + 0% APR for 12 months ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer $250 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 as determined at the time of account opening. APRs will not exceed 29.99% (Rates & Fees) No Annual Fee Learn more
Best Western Rewards® Visa Signature® Card ⓘ $216 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 "qualifying spend" (we saw $1,500) 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 much to see here. If you're a Best Western loyalist, the Premium card is probably worth the annual fee.
Brex Cash ⓘ $208 1st Yr Value Estimate$250 Amazon gift card valued at $225 Click to learn about first year value estimates $250 Amazon gift card ⓘ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 $250 Amazon gift card after spending $1,000 on your monthly card 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: Given the recent downward spiral of Brex, there's probably better places to concentrate business spending.
BOA Platinum Plus Business Mastercard ⓘ $207 1st Yr Value EstimateClick to learn about first year value estimates $300 Cash Back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $300 after $3000 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: No rewards on everyday purchases, but a nice sign-up bonus for a no annual fee card.
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
Delta SkyMiles® Reserve Business American Express Card ⓘ $200 1st Yr Value Estimate$250 Delta Stays credit valued at $125 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 Earn 80,000 bonus miles after spending $10,000 in eligible purchases on your new card in your first 6 months of card membership. (Rates & Fees) $650 Annual Fee Learn more Recent better offer: 110K bonus miles after $12K spend (Expired 7/17/25) 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.
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.
Holland America Line Rewards Visa® Card ⓘ $190 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 spending $500 within the first 90 days of 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: Even for HA enthusiasts, there's not much to get excited about here.
Princess® Rewards Visa® Card ⓘ $190 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 spending $500 within the first 90 days of 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: Even for Princess enthusiasts, there's not much to get excited about here.
Disney Visa Card ⓘ $190 1st Yr Value EstimateClick to learn about first year value estimates $200 Cash Back 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 $500 in purchases 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. Recent better offer: None 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.
Evergreen® by FNBO Business Edition® Credit Card ⓘ $189 1st Yr Value EstimateClick to learn about first year value estimates $200 Cash Back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $200 in rewards (20K points) after $1K in purchases in first 3 billing cycles. 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 low-spend welcome offer on a card that could be a keeper given uncapped 2% rewards on a business card. Annual big spend bonus sweetens the deal.
Evergreen® by FNBO Credit Card ⓘ $189 1st Yr Value EstimateClick to learn about first year value estimates $200 Back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $200 back 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: 2% cashback everywhere is decent, but this card doesn't really have anything to separate it from any other 2% cashback card.
Morgan Stanley Blue Cash Preferred® American Express Card ⓘ $187 1st Yr Value EstimateClick to learn about first year value estimates $250 back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $250 cash back as a statement credit after $3K in the first 6 months. Terms Apply. $0 introductory annual fee for the first year, then $95 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: Solid cash back option, especially for those who spend a lot at US Supermarkets and US gas stations
Blue Cash Preferred® Card from American Express ⓘ $187 1st Yr Value EstimateClick to learn about first year value estimates $250 back ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer $250 cash back as reward dollars that can be redeemed as a statement credit or via Amazon.com after $3K spend in eligible purchases within the first 6 months. Terms Apply. Rates & Fees $0 introductory annual fee for the first year, then $95 Learn more FM Mini Review: Solid cash back option (cash back given in the form of a statement credit), especially for those who spend a lot at US Supermarkets and US gas stations
TD First Class Visa Signature® Card ⓘ $187 1st Yr Value EstimateClick to learn about first year value estimates 25K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 25K after $3K spend in first 6 billing cycles. $0 introductory annual fee for the first year, then $89 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.
Schwab Investor Card® from American Express ⓘ $184 1st Yr Value EstimateClick to learn about first year value estimates $200 Cash Back as a 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 in purchases 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. Recent better offer: $300 points after $1K spend [Expired 6/12/25] FM Mini Review: The Schwab Investor card offers a decent return via the intro offer, but it isn't very rewarding for ongoing spend.
Bank of America Unlimited Cash Rewards ⓘ $184 1st Yr Value EstimateClick to learn about first year value estimates $200 cash bonus + 2% cashback for one year Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $200 cash rewards bonus after $1K spend in 90 days + unlimited 2% cashback for first year 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.
AARP® Travel Rewards Mastercard® ⓘ $179 1st Yr Value EstimateClick to learn about first year value estimates $200 Cash Back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $200 after $1000 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.
Bank of America Customized Cash Rewards ⓘ $179 1st Yr Value EstimateClick to learn about first year value estimates $200 Cash Back + 6% back in category of your choice Non-AffiliateThis is NOT an affiliate offer. $200 after $1000 spend in 90 days + 6% back in quarterly category of your choice (up tp $2500 spend/qtr) 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.
Norwegian Cruise Line® World Mastercard® ⓘ $179 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 after $1K spend in the first 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: Points are worth $0.01 each toward onboard credit or cruise purchase with Norwegian. Note that points expire 5 years after they are earned regardless of activity. This card offers very poor value for ongoing spend after meeting the welcome offer spend requirements. Interestingly, it appears to be eligible for Bank of America Preferred Rewards, which would increase the bonus categories by as much as 75% for those with Bank of America's top-tier Platinum Honors.
PNC Cash Rewards® Visa® Credit Card ⓘ $179 1st Yr Value EstimateClick to learn about first year value estimates $200 Cash Back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $200 after $1000 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: Decent cash back card in the three bonus categories, although the $8k annual limit in spending across those categories will be less exciting for many.
TD Cash Visa Credit Card ⓘ $179 1st Yr Value EstimateClick to learn about first year value estimates $200 Cash Back Non-AffiliateThis is NOT an affiliate offer. $200 cashback after $1,000 spend within first 90 days No Annual Fee Learn more Alternate Offer: If you are a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT and would like to support FM, please consider clicking here and using our affiliate 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.
U.S. BANK ALTITUDE® GO VISA SIGNATURE® CARD ⓘ $179 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 (worth $200 as a deposit into eligible account) 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: This card offers solid return on dining - including takeout & delivery - and no annual or foreign transaction fees. That makes it a great option for those who prefer cash back.
U.S. Bank Cash+® ⓘ $179 1st Yr Value EstimateClick to learn about first year value estimates $200 Cash Back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $200 back as a statement credit after $1000 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: Useful for its 5% categories, but you can do better for all other spend.
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.
BECU Cash Back Visa credit card ⓘ $168 1st Yr Value EstimateClick to learn about first year value estimates $200 Cash Back 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 $2000 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. FM Mini Review: This card offers a decent cash back bonus and nice ongoing perks for a card with no annual fee. While the 1.5% earnings rate is not special, the card may be appealing in situations where you anticipate price protection or travel protections being useful.
Delta SkyMiles® Reserve American Express Card ⓘ $158 1st Yr Value Estimate$200 Delta Stays credit valued at $100 Click to learn about first year value estimates 70K miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Earn 70,000 bonus miles after you spend $5,000 in eligible purchases on your new card in your first 6 months of card membership. Terms apply. Rates & Fees $650 Annual Fee Learn more Recent better offer: 100K bonus miles after $6K spend (Expired 7/17/25) 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.
Blue Cash Everyday® Card from American Express ⓘ $158 1st Yr Value EstimateClick to learn about first year value estimates $200 back ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer $200 back after $2K spend in the first 6 months. Terms Apply. Rates & Fees No Annual Fee Learn more
Wyndham Rewards Earner Business Card ⓘ $142 1st Yr Value EstimateClick to learn about first year value estimates Up to 75K Points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 50K points after $4K spend in first 90 days, then 25K points after $12k spend in first 365 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. Recent better offer: Expired 7/11/24: 100K after $15K in spend FM Mini Review: Excellent earning rate at gas stations and Wyndham hotels. Diamond status plus 15K annual bonus makes this card a keeper.
First Tech Choice Rewards World Mastercard® ⓘ $137 1st Yr Value EstimateClick to learn about first year value estimates $200 cash back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 20K points (worth $200) after $3K spend in the first 60 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: Effectively a 2% cashback card on bonuses categories. Outside of the welcome offer, there's not much that's exciting here.
Amazon Prime Visa ⓘ $135 1st Yr Value Estimate$150 Amazon gift card valued at $135 Click to learn about first year value estimates $150 Amazon Gift Card ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer $150 Amazon gift card upon approval. Terms apply. No Annual Fee Learn more Recent better offer: $250 Amazon gift card after first purchase (expired 7/14/25) FM Mini Review: For Amazon Prime members, this is a great card for Amazon, AWS, and Whole Foods purchases.
Booking.com Genius Rewards Visa Signature® Credit Card ⓘ $134 1st Yr Value EstimateClick to learn about first year value estimates $150 in Booking.com credits Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $150 in Booking.com credits after spending $1,500 in the first 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: Good bonus categories and 2x everywhere could be a great deal for folks who use Booking.com frequently
Booking.com Genius Rewards Visa Signature® Credit Card ⓘ $134 1st Yr Value EstimateClick to learn about first year value estimates $150 in Credits Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $150 in Booking.com credits after $1.5K spend in first 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: This card offers reasonable return for bookings made through Booking.com and the bonus category for purchases during a stay is kind of interesting, but keep in mind that rewards are in the form of travel credits that can only be used at Booking.com.
Discover it® for Students ⓘ $120 1st Yr Value EstimateClick to learn about first year value estimates $100 + $20/year ⓘ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 Get $100 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 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: In my opinion this is the single best "starter card" for students. It offers great rewards and no annual fee.
Verizon Visa Card ⓘ $119 1st Yr Value EstimateClick to learn about first year value estimates Up to $150 in statement credits Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $50 statement credit after first purchase and additional $100 statement credit when you spend $1,500 within 90 days of 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.
Amazon Business Prime American Express Card ⓘ $113 1st Yr Value Estimate$125 Amazon gift card valued at $112.5 Click to learn about first year value estimates $125 Amazon Gift Card ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Eligible Prime members get a $125 Amazon Gift Card upon approval. Terms apply. (Rates & Fees) No Annual Fee Learn more FM Mini Review: For Amazon Prime members, this is a great card for Amazon, AWS, and Whole Foods purchases. Note though that Chase and Synchrony offer similar consumer cards.
JetBlue Card ⓘ $112 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 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.
Caesars Rewards® Prestige Visa Signature® Card ⓘ $105 1st Yr Value Estimate$50 slot play valued at $25, $100 dining credit at Caesars Rewards destinations valued at $50 Click to learn about first year value estimates 20K Reward Credits + 2.5K Tier Credits Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler Earn 20K Reward Credits and 2.5K Tier Credits after $1K spend outside of a Caesars Rewards destination within the first 90 days of account opening. $149 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: The anniversary free night, $50 slot play, $100 dining credit, Platinum status and ability to earn Diamond status with $50k spend make this a very interesting card for those who frequent Caesars Rewards locations
Discover it Miles - Double Miles your first year ⓘ $100 1st Yr Value EstimateClick to learn about first year value estimates $100 + First Year Double ⓘ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 Get $100 after first purchase. All "miles" earned in first 12 months will be doubled. This makes this a 3% cash back card for the first year. No Annual Fee 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 card to get for its first year 3% cash back.
Discover it® ⓘ $100 1st Yr Value EstimateClick to learn about first year value estimates $100 Back + First Year Double ⓘ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 Get $100 after first purchase. All cashback earned in first 12 months will be doubled including 5% earned in rotating categories. 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 is a great choice for its rotating 5% categories
PenFed Platinum Rewards ⓘ $100 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 $1,500 spend in 90 days No Annual Fee Learn more FM Mini Review: A decent-ish no annual fee card, given the 5x and 3x categories. Points are are only worth .85 cents each, so really the 5x is 4.25x and the 3x is 2.55x. There's probably better options out there.
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.
Capital One Quicksilver Rewards for Students Credit Card ⓘ $95 1st Yr Value EstimateClick to learn about first year value estimates $100 Cash Back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler One time bonus: $100 after $300 spend in 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: You can do better with a 2% cash back card that has no annual fee.
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
Upromise World MasterCard® issued by Barclays ⓘ $91 1st Yr Value EstimateClick to learn about first year value estimates $100 Cash back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $100 cash back after $500 spend in the first 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. Recent better offer: Expired 10/31/22: $150 after $500 in spend FM Mini Review: This card could be decent for an easy cash back bonus, but there are much more rewarding options for ongoing everyday spend.
AARP® Essential Rewards Mastercard® ⓘ $90 1st Yr Value EstimateClick to learn about first year value estimates $100 Cash Back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $100 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.
Wells Fargo Attune World Elite Mastercard® ⓘ $90 1st Yr Value EstimateClick to learn about first year value estimates $100 Cash Back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $100 after $500 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. FM Mini Review: This could be a good fit for those who spend a lot in the card's 4X categories.
Affinity Cash Rewards Visa® Signature Credit Card ⓘ $87 1st Yr Value EstimateClick to learn about first year value estimates $150 cash back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $150 cash back after $3K spend in first 90 days No Annual Fee Learn more Join Affinity by donating at least $5 to the New Jersey Coalition for Financial Education (NJCFE) or Connecticut Jump$tart. 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 Affinity Cash Rewards Visa Signature card could be really interesting for its rotating categories since the fine print indicates that it stacks on top of ordinary earnings.
Caesars Rewards® Visa Signature® Card ⓘ $79 1st Yr Value EstimateClick to learn about first year value estimates 10K Reward Credits + 2.5K Tier Credits Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler Earn 10K Reward Credits and 2.5K Tier Credits after $1K spend outside of a Caesars Rewards destination within the first 90 days of 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: Might be worthwhile for Caesars Platinum status, otherwise not much here to see.
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.
MGM Rewards World Elite Mastercard® ⓘ $58 1st Yr Value EstimateClick to learn about first year value estimates 10K points + 15K Tier Credits Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 10K points + 15,000 Tier Credits after $2K spend in the first 3 billing cycles (Offer Expires 9/15/2025) 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: MGM loyalists would probably do better with the Iconic card, everyone else would do better with any other card.
Amazon Visa ⓘ $54 1st Yr Value Estimate$60 Amazon gift card valued at $54 Click to learn about first year value estimates $60 Amazon Gift Card ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Earn up to a $60 Amazon gift card instantly upon approval. Log in to your Amazon account to see what offer you qualify for. Note that you may be offered the Amazon Prime Visa if you are a Prime member. No Annual Fee Learn more FM Mini Review: Not as compelling as the Prime Visa Card and, if you buy enough Amazon items to be interested in it, you should probably be a Prime member anyway.
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.
Rocket Mortgage Visa ⓘ $50 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 with $3k spend in the first 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. FM Mini Review: By means of "Rocket Points" this is really a 1.25%-5% cashback card. Could be useful to build some cash towards a down payment, lackluster otherwise.
MGM Rewards Iconic World Elite Mastercard® ⓘ $46 1st Yr Value Estimate$200 MGM resort credit valued at $100 Click to learn about first year value estimates 30K points + 15K Tier Credits + $200 Resort Credit Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 30K points + 15,000 Tier Credits after $5K spend in the first 3 billing cycles + $200 resort credit on account opening. (Offer Expires 9/15/2025) $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: 40K points + 10K tier credits after $5K spend in the first 3 billing cycles + $200 resort credit on account opening. (Expired 6/1/25) FM Mini Review: Could be a decent option for MGM loyalists who spend at MGM resorts.
Instacart Mastercard® ⓘ $45 1st Yr Value Estimate$50 Instacart credit valued at $45 Click to learn about first year value estimates $50 Instacart credit Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $50 Instacart credit upon approval No Annual Fee Learn more This card is subject to Chase's 5/24 rule. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Not much to see here for all but the most ardent Instacart fans
Sams Club Mastercard ⓘ $29 1st Yr Value EstimateClick to learn about first year value estimates $30 Statement Credit Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $30 statement credit after $30 in eligible Sam's Club purchases within 30 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: Good cash back categories can make this a winner for Sam's Club members.
Sams Club Business Mastercard ⓘ $29 1st Yr Value EstimateClick to learn about first year value estimates $30 Statement Credit Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $30 statement credit after $30 in eligible Sam's Club purchases within 30 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: Good cash back categories can make this a winner for Sam's Club members.
Chase Freedom Rise ⓘ $25 1st Yr Value EstimateClick to learn about first year value estimates $25 cash back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler Earn a $25 statement credit when you enroll in autopay within the first 3 months of account opening and remain enrolled for at least 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: Decent entry into the Chase ecosystem for those looking to build their credit.
HSBC Elite Credit Card ⓘ $21 1st Yr Value EstimateClick to learn about first year value estimates 60K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 60K after $4K spend in 3 months $495 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: Points are worth 1.5c each when redeemed for airfare through the HSBC portal. Could be worthwhile for a welcome offer, but not rewarding enough to justify keeping beyond the first year.
Emirates Skywards Premium World Elite Mastercard ⓘ $17 1st Yr Value EstimateClick to learn about first year value estimates 50K 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 50K 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. Recent better offer: 70K miles after $3K spend in 90 days (ended 7/15/25)
Rakuten American Express® Card ⓘ $15 1st Yr Value EstimateClick to learn about first year value estimates $25 cash back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler Earn $25 bonus cashback after $500 spend in the first 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: Earning 4% extra (or 4x Membership Rewards) on purchases via Rakuten is good, but the limit of $7,000 spending limits its usefulness.
Chase Slate Edge ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates None ⓘ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 0% Intro APR for 18 months from account opening on purchases and balance transfers, then a variable APR of 19.49%–28.24%. No Annual Fee Learn more This card is subject to Chase's 5/24 rule (click here for details). Even though this card is marketed as a cash back card, it actually earns Ultimate Rewards points which are redeemable for 1 cent each, or can be combined with other Ultimate Rewards-earning cards to get even more value. This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: This card could be worth it for the welcome offer and intro APR when offered, but since it offers no ongoing rewards it is a poor choice for ongoing spend.
DoorDash Rewards Mastercard® ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates Free DashPass Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler Receive 12 months of DashPass for free upon approval No Annual Fee Learn more This card is subject to Chase's 5/24 rule. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Could be worth considering for folks who spend a lot on DoorDash and restaurants.
Costco Anywhere Business Visa ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates No Welcome Offer 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 Requires Costco membership. Cash back provided annually with February billing statement as rewards coupon redeemable for cash or merchandise at Costco 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.
Citizens Summit™ World Mastercard® ⓘ $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 This card doesn't currently offer a welcome bonus 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: Might be worth a look for heavy grocery/dining spenders looking for cashback.
Robinhood Gold Card ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates Waitlist only Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler This card is currently available by waitlist only 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: 3% cashback everywhere? What's not to like?
Bread Rewards™ American Express® Credit Card ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates No welcome offer Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler None 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: Nice, no annual fee cashback card for dining and grocery purchases if you hit the 25% monthly bonus.
Fidelity Rewards Visa ⓘ $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 There is currently no welcome 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.
Simon® American Express® Credit Card from Cardless ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates No Welcome Offer Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler This card currently features no welcome offer, but it does offer 5% back on up to $10K in purchases per year at Simon Malls, Simon Mills, and Simon Premium Outlets. No Annual Fee 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: Points are worth $0.01 each toward a statement credi
Getaway by FNBO® Credit Card ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates 0% APR Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 0% introductory APR for the first 12 billing cycles on purchases and balance transfers after account is opened. After that, a variable rate will apply. No Annual Fee 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: Although this is marketed as a travel card, it's really cashback, since the rewards can be used for travel, a statement credit or an ACH transfer at the same rate. 3% back on dining, travel and gas is pretty good for a no annual-fee card, especially with no foreign transaction fees.
Huntington Voice ⓘ $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 This card no longer offers a welcome 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. FM Mini Review: With most of this card's category bonuses, you can do better with other cards. If you do find a useful category and max out the $2K spend each quarter, you'll come out only $80 ahead per year compared to using a 2% cash back card.
Nibbles 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 currently no welcome offer No Annual Fee Learn more FM Mini Review: The pet insurance benefit could make it a useful sock drawer card for cat and dog owners.
SoFi Credit Card ⓘ $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 There is currently no welcome 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. FM Mini Review: This card could be a good option for someone looking for a 2% cash back Mastercard, though keep in mind that the Citi DoubleCash is a competitor that earns at the same rate while offering points which could become transferable to airline partners, whereas the SoFi credit card only earns cash back rewards.
Venmo Credit Card ⓘ $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 None 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.
Paypal Cashback Mastercard ⓘ $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 Welcome 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. FM Mini Review: Excellent cash back card for PayPal spend.
Synchrony Premier World Mastercard ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates No Welcome Offer Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler No Welcome 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. FM Mini Review: Decent 2% cash back card with no annual fee.
UBS Visa Signature ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates None (call to apply) Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler This card does not currently have a welcome offer No Annual Fee Learn more Bonus offer is not available to either current or previous UBS credit cardmembers 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: May be worth getting for signup bonus. Otherwise this card is useless.
UBS Visa Signature Business ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates None (call to apply) Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler This card does not currently have a welcome offer No Annual Fee Learn more Bonus offer is not available to either current or previous UBS credit cardmembers. Note: UBS Business cards DO add to Chase's 5/24 Rule. 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: May be worth getting for signup bonus. Otherwise this card is useless.
U.S. Bank Smartly™ Visa Signature® Card ⓘ $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 Currently no welcome 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. FM Mini Review: US Bank changed this card on 4/14/25 which removed much of its value proposition. You're now capped on 4% total earnings each billing cycle and eligible accounts for your $10,000+ qualifying balances earn a low rate of interest.
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).
Santander® Ultimate Cash Back® credit card ⓘ $-20 1st Yr Value EstimateClick to learn about first year value estimates 3% back for 12 months Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 3% cash back for 12 months on up to $20K in purchases 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: While the headline is 3% back for a year, the welcome offer itself is an extra 1.5% back on up to $20K in purchases for the first year. That's certainly not a bad return on otherwise unbonused spend, but many other cards on the market that provide even moderately good welcome offers give a greater net return with significantly less spend.
Costco Anywhere Visa ⓘ $-32 1st Yr Value EstimateClick to learn about first year value estimates None Non-AffiliateThis is NOT an affiliate offer. None No Annual Fee Learn more Requires Costco membership. Cash back provided annually with February billing statement as rewards coupon redeemable for cash or merchandise at Costco 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 SavorOne Cash Rewards Credit Card ⓘ $-39 1st Yr Value EstimateClick to learn about first year value estimates No welcome Offer Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler None $39 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.
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
CNB Crystal Visa Infinite Credit Card ⓘ $-85 1st Yr Value Estimate$350 airline incidental fee credit valued at $315 Click 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 bonus at this time. $400 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's value is hobbled by an inferior Priority Pass membership (as of 1/1/20).
The Plum Card® from American Express ⓘ $-130 1st Yr Value EstimateClick to learn about first year value estimates Up to $600 ⓘ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 a $200 statement credit after each $10,000 you spend on the card, up to $30,000, in the first 3 months of Card Membership. Terms Apply. (Rates & Fees) $250 Annual Fee 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.
UBS Cash Rewards Visa Business ⓘ $-150 1st Yr Value EstimateClick to learn about first year value estimates None (call to apply) Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler This card does not currently have a welcome offer $150 Annual Fee Learn more Bonus offer is not available to either current or previous UBS credit cardmembers. Note: UBS Business cards DO add to Chase's 5/24 Rule. 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 annual fee kills the value here
UBS Visa Infinite ⓘ $-200 1st Yr Value Estimate$500 airline incidental fee credit valued at $450 Click to learn about first year value estimates None (call to apply) Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler This card does not currently have a welcome offer $650 Annual Fee Learn more Bonus offer is not available to either current or previous UBS credit cardmembers 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: May be worth considering if you highly value the card's perks and if you can maximize rewards by purchasing flights costing as close to $900 as possible for 50,000 points (up to 1.8 cents per point value)
UBS Visa Infinite Business ⓘ $-200 1st Yr Value Estimate$500 airline incidental fee credit valued at $450 Click to learn about first year value estimates None (call to apply) Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler This card does not currently have a welcome offer $650 Annual Fee Learn more Bonus offer is not available to either current or previous UBS credit cardmembers. Note: UBS Business cards DO add to Chase's 5/24 Rule. 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: May be worth considering if you highly value the card's perks and if you can maximize rewards by purchasing flights costing as close to $900 as possible for 50,000 points (up to 1.8 cents per point value)
Citizens Summit Reserve™ World Elite Mastercard® ⓘ $-295 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 This card doesn't currently offer a welcome bonus $295 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: Might be worth a look for heavy grocery/dining spenders looking for cashback.

Earn spend bonuses: elite status, free nights, etc.

Many credit cards offer bonuses for meeting high spend thresholds. You can find a comprehensive list here: Best big spend bonuses.  Whether or not it makes sense paying Plastiq’s fee in order to reach these thresholds depends upon how much you value elite status or other rewards earned.

Here are a few examples:

• World of Hyatt: Earn one free Cat 1-4 night certificate after $15K spend in a calendar year, plus get 2 elite qualifying night credits with each $5K of spend.  $15,000 of rent paid through Plastiq would cost $427.50 in fees.  If you care about elite status, that’s not a bad price for 6 elite nights, a free night, and 15,000 Hyatt points.
• Amex Delta Reserve or Delta Reserve Business: Spend $30,000, get 15,000 Medallion Qualifying Miles (towards elite status). At $60,000, $90,000, and $120,000 you’ll get another 15,000 Medallion Qualifying Miles.  To help you decide if it’s worth paying fees to meet these thresholds, see: What is Delta elite status worth?
• Amex Delta Platinum or Delta Platinum Business: Spend $25,000, get 10,000 Medallion Qualifying Miles (towards elite status). At $50,000 spend, get another 10,000 Medallion Qualifying Miles.  To help you decide if it’s worth paying fees to meet these thresholds, see: What is Delta elite status worth?
• Southwest Plus, Southwest Premier, Southwest Priority, Southwest Premier Business, or Southwest Performance Business: With Southwest, when you earn 125,000 points in a calendar year (including points earned from credit card spend) you get a companion pass good for an unlimited number of flights for the rest of that year and all of the next calendar year.
• Barclaycard JetBlue Plus, or JetBlue Business: Spend $50,000 and get Mosaic status which offers free checked bags; expedited security; early boarding; free drinks; enhanced point earnings; and 15,000 bonus points upon qualifying.

Earn rewards through spend

Not many cards earn rewards worth more than 2.85% when not considering welcome bonuses, bonus categories, or big-spend bonuses, but there are a few.  Based on our estimated point values (Reasonable Redemption Values), you can earn up to 3.1% with the right card.  That said, that’s such a small increment in value over Plastiq’s 2.85% fee that I wouldn’t recommend bothering with this unless you need the points for an even more valuable award.

The following table shows the cards that earn the best rewards for spend that is not within a bonus category.  Actually, if you press “next” often enough, you’ll find all of the cards in our database, but the first ones are those that offer the best rewards for everyday spend.