Delta Platinum elite status without flying [some offers expired]

18

Frequent Miler's latest team challenge, Million Mile Madness, is happening now! Follow us as Greg, Nick, and Stephen compete to earn 1 Million SAS miles by flying 15 airlines before November 23rd. Who will complete the challenge with the most Speed, Affordability, and Style?

Follow along here!

Update: While they were valid at the time of writing, some of the offers in this post have since expired. See our Best Offers page for current offer information.

a man sitting in a chair
Delta Medallion Platinum Elite Status offers far better chances than Silver or Gold status of free domestic upgrades to first class. And, when you’re really lucky (as I was in this photo), you’ll find yourself on an internationally configured plane with lie-flat seats in first class (AKA Delta One).

Amex and Delta are offering fantastic welcome bonuses for their ultra-premium Delta Reserve cards.  In the past it has frequently been possible to get 10,000 MQMs (Medallion Qualifying Miles) when applying up for the Delta Reserve card.  As they did around this time last year, though, the Delta Reserve welcome bonuses currently (through 4/28/21) include 80,000 Skymiles plus 20,000 MQMs.  MQMs are the primary currency you need to achieve Delta Medallion elite status.  With the welcome bonus offers available at the time of this writing, getting meaningful Delta elite status is easy… if you don’t mind spending some cash.

The idea here is that you can earn near-top tier status without flying so that when you do fly, you’ll be able to enjoy the perks.  Here’s what you need to know..

About Delta’s Platinum elite status

a comparison of different colors of a color

The image above shows the requirements for reaching each level of Delta elite status.  Every level of status offers basic perks like free domestic upgrades (when available), premium seat selection, a free checked bag, etc.  Higher levels of status make upgrades more and more likely.  Also note the following details:

  • $25,000 spend on any Delta Platinum or Delta Reserve cards within a calendar year will get you a MQD waiver which means that you don’t need to earn Medallion Qualifying Dollars (spend on Delta flights) to reach elite status up to Platinum status.
  • Diamond Status requires $250,000 spend across one or more Delta cards in order to get a MQD Waiver.  Due to that very high requirement, the rest of this post focuses on earning Platinum status instead.

Platinum status has several advantages over Gold status, including:

  • Better chance of complementary first class upgrades.  Free upgrades begin processing 5 days before departure (vs. 3 days prior for Gold members and 1 day for Silver).
  • Upgrade to Comfort Plus immediately after booking.
  • Choice Benefits: Pick one benefit each year such as 4 regional upgrade certificates (which are now more valuable than ever before) or 20,000 redeemable SkyMiles.
  • Free award changes and redeposits.  This last benefit is no longer as exciting as it used to be because Delta now allows free award changes and redeposits for all members on itineraries originating in North America.  With Platinum status or higher, you continue to get that benefit for flights that originate outside of North America.
  • Hertz President’s Circle elite status

Gold and Platinum elites also get waived same day change and standby fees.

Delta Reserve perks and status boosts

a group of people in a room with a long couch and tables
Delta Sky Club at Washington National Airport (DCA)

Delta Reserve credit cards come with several valuable perks such as Delta Sky Club and Amex Centurion Lounge access when flying Delta, 2 Delta Sky Club one-time guest passes per year, upgrade priority over those with the same status and fare class, and annual domestic 1st class companion tickets.

Delta Reserve cards also offer Status Boosts: Earn 15,000 MQM bonuses when you complete $30K, $60K, $90K, and $120K spend within a calendar year.  With one card, you can earn up to 60,000 MQMs through spend alone.  With two cards (consumer and business), you can earn up to 120,000 MQMs through spend alone.

Read our in-depth analysis of the Delta Reserve cards here: Delta Reserve Complete Guide.

Plan Overview

The idea here is that it’s possible to earn near top level Delta elite status with a combination of MQMs from the welcome bonus plus big spend on the Delta Reserve card:

  1. Apply for Delta Reserve card in order to earn 20,000 MQMs and 80,000 bonus miles
  2. Spend a huge amount in order to earn additional MQMs through Delta Reserve Status Boosts.  Pay federal taxes at 2% in fees. If you overpay, you’ll later receive a refund as a check or direct deposit.
  3. Earn Platinum elite status for almost 2 years: If you earn Platinum elite status early this year, you’ll have that status for all of the rest of this year (2021), all of 2022, and through January of 2023.

In this post, I’ll cover two versions of this plan.  One version, the one-card solution, requires applying for only one Delta Reserve card.  The two-card solution requires applying for two Delta Reserve cards: one business card and one consumer card.

Plan Details

Apply up for 1 or 2 Delta Reserve cards

a close up of a credit card

It’s possible to apply for both the consumer version and the business version in order to pickup lots of redeemable SkyMiles and a total of 40,000 MQMs.  Here are the current welcome bonus offers:

Card Offer
$150 cash back ⓘ Non-Affiliate
$150 cash back after $3K spend in first 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
This card no longer features a first-year bonus.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
70K miles ⓘ Affiliate
70K after $6K spend in first 6 months. Terms and limitations apply. (Rates & Fees)
$350 Annual Fee
80K miles ⓘ Affiliate
80k after $10K spend in first 6 months. Terms apply. (Rates & Fees)
$650 Annual Fee
70K Miles ⓘ Affiliate
Earn 70K miles after $5K spend in first 6 months. Terms apply. (Rates & Fees)
$650 Annual Fee
60k miles ⓘ Affiliate
60K after $4K spend in first 6 months. Terms and limitations apply. (Rates & Fees)
$0 introductory annual fee for the first year, then $150
50K miles ⓘ Affiliate
50K miles after $2K spend in first 6 months. Terms apply. (Rates & Fees)
$0 introductory annual fee for the first year, then $150
10K miles ⓘ Affiliate
10K miles after $1000 spend in the first 6 months. Terms apply. (Rates & Fees)
No Annual Fee
Note an unusual restriction: Welcome bonus not available if you've had another Delta consumer card in the past 90 days.
250K points after $20K spend in the first 3 months. Terms apply. (Rates & Fees)
$695 Annual Fee
Alternate Offer: Targeted online offer of 250K points after $15K spend in the first 3 months See this post for details.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
100K points + 10X on dining ⓘ Non-Affiliate
100K points after $8K spend in 6 months + 10x on dining for 6 months (on up to $25K in purchases). Terms apply.
$695 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
75K points + 20% back at restaurants ⓘ Non-Affiliate
75K points after $6K in purchases in the first 6 months + 20% back at restaurants for the first 6 months up to $250 back. Terms apply. (Rates & Fees)
$325 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 90K after $6K in the first 6 months + 20% back at restaurants for the first 12 months up to $250 back [Expired 11/10/24 - referrals only]
40K after $3K spend in first 6 months. Terms apply. See Rates & Fees
$150 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 60K after $3K spend in first 6 months + 20% off travel and transit purchases for first 6 months. [Expired 8/21/23]
15K points after $3K spend in first 3 months. Terms & limitations apply.
$95 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
200K points after $15K spend in 3 months. Terms apply. (Rates & Fees)
$375 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: None. This is the best we've ever seen.
Earn a $200 statement credit after each $10,000 you spend on the card, up to $30,000, in the first 3 months of Card Membership. Terms Apply. (Rates & Fees)
$250 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
This card is no longer available for new applications ⓘ Friend-Referral
This card is not currently available for new applicants.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
This card is no longer available for new applications ⓘ Friend-Referral
This card is not currently available for new applicants.
$95 Annual Fee
Alternate Offer: Some people click through and find that they are targeted for an offer of 30K points after $2K spend in 3 months.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 30K after $2K in first 3 months

$95 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
80K after $8K spend in first 6 months. Terms apply.
$695 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 125K points after 6k spend [Expired 11/8/23]
None
This card is no longer available.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: None
$350 cash back as a statement credit after $3K in the first 6 months. Terms Apply. (Rates & Fees)
$95 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
125K points ⓘ Non-Affiliate
125K after $8K spend in first 6 months. Terms apply. (Rates & Fees)
$695 Annual Fee
This card is only available to clients that maintain an eligible Schwab brokerage account.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 100K points + 10x when you Shop Small in the US & at restaurants worldwide [Expired 1/20/22]
This card is no longer available for new applications

No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
15K points + 0% APR for 12 months ⓘ Affiliate
15k points after $3k spend within the first 3 months + 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.99% - 25.99%, based on your creditworthiness and other factors at account opening. (Rates & Fees)
No Annual Fee
$250 back + 0% APR for 12 months ⓘ Affiliate
$250 statement credit after $3k spend within first 3 months and 0% introductory APR on purchases for 12 months from the date of account opening. After that, your APR will be a variable rate, 17.99% - 25.99% depending on creditworthiness. (Rates & Fees)
No Annual Fee
$250 back ⓘ Affiliate
$250 cash back as reward dollars that can be redeemed as a statement credit 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
Up to $350 back ⓘ Non-Affiliate
Up to $350 back: $200 back after $2K in the first 6 months + 10% back at restaurants for the first 6 months up to $150 back. Terms apply. (Rates & Fees)
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
This card is no longer available for new applications

No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
$125 Amazon Gift Card ⓘ Affiliate
Eligible Prime members get a $125 Amazon Gift Card upon approval. Terms apply. (Rates & Fees)
No Annual Fee
This card is not currently available for new applications

No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
175K Points + free night certificate ⓘ Friend-Referral
175K after $6K spend in first 6 months. Free night certificate every year - first certificate is awarded 8-12 weeks after approval. Terms apply.
(Offer Expires 1/8/2025)
$550 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
165K points ⓘ Affiliate
165K points after $3K spend within the first 6 months. Terms apply.
(Offer Expires 1/8/2025)
$150 Annual Fee
Recent better offer: (Expired 7/31/24) 130K points + free night certificate after $3K spend within the first 6 months.
175K Points ⓘ Affiliate
175K after $8K spend in first 6 months. Terms apply.
(Offer Expires 1/8/2025)
$195 Annual Fee
Recent better offer: None
100K points ⓘ Affiliate
100K points after $2K spend within the first 6 months. Terms apply. (Rates & Fees)
(Offer Expires 1/8/2025)
No Annual Fee
After clicking through, be sure to choose the card you want on the landing page.
Recent better offer: (Expired 7/31/24) 70K points + free night certificate after $2K spend within the first 6 months.
This card is no longer available for new applications

$0 introductory annual fee for the first year, then $95
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
95K Points ⓘ Affiliate
95k points after $6K spend within the first 6 months. Terms apply. (Rates & Fees)
$650 Annual Fee
Recent better offer: (Expired 10/2/24) 185k points after $6K spend within the first 6 months.
3 Free Night Awards, valued at up to 50K points each ⓘ Affiliate
Three 50k free night certificates after $6K spend in the first 6 months. Redemption level up to 50,000 Marriott Bonvoy(R) points for each bonus Free Night Award, at hotels participating in Marriott Bonvoy(R). Resort fees & terms apply. (Rates & Fees)
$125 Annual Fee
Recent better offer: 5x50K free night certificates after $8K in spend (expired 10/16/24)
85K Points ⓘ Affiliate
85K points after $5K spend in the first 6 months. Terms apply. (Rates & Fees)
$250 Annual Fee
Recent better offer: (Expired 10/2/24) 155K points after $5K spend in the first 6 months.
$200 Cash Back as a statement credit ⓘ Non-Affiliate
$200 statement credit after $1K in purchases in first 3 months
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
This card is no longer available for new applications ⓘ Friend-Referral
This card is not currently available for new applicants.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
50K miles after $500 in purchases in the first 90 days + instant Gold status with account opening & first purchae; maintain Gold status for 12 months with $3,000 in purchases within first 90 days
$0 introductory annual fee for the first year, then $99
70K miles after one purchase within first 90 days. Use code 000150 for this offer
$99 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
70K miles after 1st purchase and paying the annual fee within 90 days
$99 Annual Fee
Recent better offer: Up to 75K: 60K miles after first purchase and 15K after adding an authorized user and making one purchase on that card [Expired 2/24/24]
Not currently available
It appears that this card is not available at this time.
$95 Annual Fee
Recent better offer: Expired 2/6/23: 80K miles + a $95 statement credit after $2K spend in first 90 days.
50K miles after $1K in spend in 90 days and payment of annual fee.
$99 Annual Fee
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.
Up to 60K Miles ⓘ Non-Affiliate
Up to 60K miles: 50K bonus miles after spending $4K in first 90 days + additional 10K miles after a purchase is made on an employee card in the first 90 days
$99 Annual Fee
10K points after $1K spend in 90 days.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
This card is no longer available for new applications

$0 introductory annual fee for the first year, then $89
Recent better offer: None. This is the best we've seen.
45K points after $2K spend in first 6 months
(Offer Expires 1/8/2025)
No Annual Fee
Recent better offer: Expired 7/11/24: 75K after $2K in spend
Up to 80K Points ⓘ Non-Affiliate
Up to 80K points: 40K after after $4K spend in first 90 days + 40K after $15K spend in first 365 days
(Offer Expires 1/8/2025)
$95 Annual Fee
Recent better offer: Expired 7/11/24: 100K after $15K in spend
$100 Cash back ⓘ Non-Affiliate
$100 cash back after $500 spend in the first 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: Expired 10/31/22: $150 after $500 in spend
5K Points + $150 statement credit ⓘ Non-Affiliate
5K points after first purchases and 5K points after $500 spend in 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
40K points after $2K spend in 90 days
$89 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
This card is no longer available for new applications

No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
none
This card is no longer available
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
$100 Cash Back ⓘ Non-Affiliate
$100 statement credit after $2000 spend in first 3 months
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
60K miles + Companion Fare ⓘ Non-Affiliate
60k miles + Companion Fare ($99 fare + taxes) after $3K spend in 90 days
$95 Annual Fee
Alternate Offer: There are usually better in-flight offers available that require the name and id number of an Alaska employee.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
50K miles + Companion Fare ⓘ Non-Affiliate
50K miles + Companion Fare ($99 fare + taxes) after $3K spend in 3 months
$95 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 70K after $4K in 3 months [Expired 4/23]
None
Card is currently not available to new applicants.
$90 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
70K miles + 40XP + 60XP ⓘ Non-Affiliate
70K miles + 40 XP after $3K in the first 90 days + 60 XP upon approval
$89 Annual Fee
Alternate Offer: Going through the steps to make a dummy booking at the Air France website may result in an offer that only gives 60K miles but also includes a $150 statement credit.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
This card is no longer available for new applications

$49 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
30K miles
30K after $3K spend in 90 days
$99 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
10K miles
10K after after first purchase
$80 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Up to 125K points ⓘ Non-Affiliate
Up to 125K points: 120K points after $2K spend in 90 days plus 5K points for adding an authorized user within first 90 days
$0 introductory annual fee for the first year, then $75
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
25K points worth $250 ⓘ Non-Affiliate
25K after $1K spend in 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
$200 cash bonus ⓘ Non-Affiliate
$200 cash rewards bonus after $1K spend in 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
$500 statement credit ⓘ Non-Affiliate
$500 statement credit after $5K spend in 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
$300 statement credit ⓘ Non-Affiliate
$300 statement credit after $3K spend in 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
None
This card is no longer available
No Annual Fee
This card is no longer available
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
60K after $4K spend in 90 days
$95 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

$95 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
75K after $5K spend in 90 days
$550 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

$550 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
$200 Cash Back ⓘ Non-Affiliate
$200 after $1000 spend in 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
None
This card is no longer available for new applicants.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
None
This card is not currently available
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
$300 Cash Back ⓘ Non-Affiliate
$300 after $3000 spend in 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
30K after $3K spend in 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
10K after $500 spend in 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
60K Points + $100 Voucher ⓘ Non-Affiliate
60K points plus $100 companion voucher after $1K spend in 90 days (enter any random five-digit number as "employee code")
$0 introductory annual fee for the first year, then $79
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
None
This card is no longer available to new applicants
$59 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
25K after $1K in first 90 days
$59 Annual Fee
Alternate Offer: You may be targeted for an offer including a $100 statement credit during a dummy booking.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
$200 Cash Back ⓘ Non-Affiliate
$200 after $1000 spend in 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
75K Miles ⓘ Affiliate
75k miles after $4k spend within first 3 months. (Rates & Fees)
$95 Annual Fee
Alternate Offer: Airport Kiosk offer of 80K miles after $4K spend in the first 3 months See this post for details.
Recent better offer: Expired 9/9/24: 75K after $4K spend in 3 months + $250 Capital One Travel credit in first cardholder year
75K Miles ⓘ Affiliate
75k miles after $4k spend within first 3 months. (Rates & Fees)
$395 Annual Fee
Recent better offer: Expired 3/14/22: 100K after $10K spend in 6 months + $200 credit for vacation rental spend in first year
150K Miles ⓘ Affiliate
Earn a one-time bonus of 150K miles after $30K spend in the first 3 months
$395 Annual Fee
Recent better offer: Expired 3/31/23: 250K Miles after $50K in spend.
20K miles ⓘ Affiliate
Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening. (Rates & Fees)
No Annual Fee
$200 Cash Back ⓘ Affiliate
One time bonus: $200 after $500 spend in 3 months from account opening. (Rates & Fees)
No Annual Fee
$250 Cash Back ⓘ Affiliate
One time bonus: $250 after $500 spend in 3 months from account opening. (Rates & Fees)
No Annual Fee
$250 Cash Back ⓘ Affiliate
One time bonus: $250 after $500 spend in 3 months from account opening. (Rates & Fees)
No Annual Fee
This card is currently unavailable for new applications
$0 introductory annual fee for the first year, then $95
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
50K Miles ⓘ Affiliate
Earn a one-time 50K miles bonus when you spend $4,500 in the first 3 months. (Rates & Fees)
$0 introductory annual fee for the first year, then $95
50K after $4,500 spend in 3 months from account opening
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
$750 Cash Back ⓘ Non-Affiliate
Earn a $750 cash bonus when you spend $7,500 within the first 3 months.
$0 introductory annual fee for the first year, then $95
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
$2,000+ Cash Back ⓘ Affiliate
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.. (Rates & Fees)
$150 Annual Fee
Recent better offer: Expired 3/14/22: $3K after $50K spend in 6 months
Earn a $750 bonus after you spend $6K in 3 months from account opening. (Rates & Fees)
$200 Amazon Gift Card ⓘ Affiliate
$200 Amazon gift card upon approval. Terms apply.
No Annual Fee
$100 Amazon Gift Card
Earn up to a $100 Amazon gift card instantly upon approval. Log in to your Amazon account to see what offer you qualify for. Note that you may be offered the Amazon Prime Visa if you are a Prime member.
No Annual Fee
$200 Cash Back ⓘ Non-Affiliate
$200 statement credit after $500 in purchases in first 3 months
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
$400 Cash Back ⓘ Non-Affiliate
$400 statement credit after $1000 in purchases within first 3 months
$49 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earn 100K Avios after $7.5K spend in 6 months
$95 Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: Expired 7/4/22: 100K after $5K spend
Earn 100K Avios after $7.5K spend in 6 months
$95 Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: Expired 7/4/22: 100K after $5K spend
Earn 100K Avios after $7.5K spend in 6 months
$95 Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: Expired 7/4/22: 100K after $5K spend
40K points + $400 ⓘ Affiliate
40K points + a $400 statement credit after $3K spend in the first 4 months.
(Offer Expires 12/9/2024)
$69 Annual Fee
Alternate Offer: Current public offer is 50K points after $1K spend in 3 months.
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).
60K points ⓘ Affiliate
60K points after $3K spend within first 3 months your account is open
$99 Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
80K points ⓘ Affiliate
80K points after $5K spend within first 3 months your account is open
$199 Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
40K points + $400 ⓘ Friend-Referral
40K points + a $400 statement credit after $3K spend in the first 4 months.
(Offer Expires 12/9/2024)
$99 Annual Fee
Alternate Offer: Current public offer is 50K points after $1K spend in 3 months.
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.
40K points + $400 ⓘ Affiliate
40K points + a $400 statement credit after $3K spend in the first 4 months.
(Offer Expires 12/9/2024)
$149 Annual Fee
Alternate Offer: Current public offer is 50K points after $1K spend in 3 months.
This card is known to be subject to Chase's 5/24 rule.
75K Miles ⓘ Affiliate
75K miles after $5K spend in first 3 months.
$0 introductory annual fee for the first year, then $99
After clicking through, be sure to click the link at the top that says, "Are you a small business owner?" to see the business card offers that include this card. You are not eligible for the bonus if you have received the bonus on this card within the past 24 months. Please note that the United EXPLORER Business card (no longer available) is a different product and does not affect your ability to get the bonus on this card.
80K Miles ⓘ Affiliate
80k miles after $5k spend in first 3 months
$525 Annual Fee
This card is available to you if you do not have any United Club card and have not received a new Cardmember bonus for any United Club card in the past 24 months.
Recent better offer: Expired 1/27/23: 100K after $5K spend
50K Miles + 1,000 PQP ⓘ Non-Affiliate
50K miles + 1,000 Premier Qualifying Points after $5K spend in first 3 months.
$450 Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Up to 65k miles ⓘ Non-Affiliate
60K miles after $3K spend in 3 months + 5k miles when adding authorized user
$0 introductory annual fee for the first year, then $95
This card is subject to Chase's 5/24 rule (click here for details).
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: Expired 8/11/22: 70K after $3K spend
60K Miles + 500 PQPs ⓘ Affiliate
60K miles and 500 PQPs after $4K spend in the first 3 months
$250 Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
20K Miles ⓘ Affiliate
20K miles after $1K spend in first 3 months
No Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
Recent better offer: Expired 8/11/22: 30K after $1K spend
Up to 100K Points ⓘ Affiliate
75K points after $4K spend in the first 3 months and an additional 25K after spending a total fo $20K within first 12 months
$95 Annual Fee
This card is likely subject to Chase's 5/24 rule (click here for details).
60K Points ⓘ Affiliate
60K after $4K spend in 3 months
$550 Annual Fee
Recent better offer: Expired 12/1/22: 80K after $4K spend
60K Points + $300 Chase TravelSM Credit ⓘ Affiliate
60K + $300 Chase TravelSM credit after $4K spend in 3 months
$95 Annual Fee
Alternate Offer: There may be elevated offers available by applying in-branch
A similar offer with the first year annual fee waived may be found in-branch. YMMV.
None
This card is no longer available
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earn 20,000 points (worth $200 cash back) after spending $500 in the first 3 month
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Up to 30K points / $300 cash back ⓘ Affiliate
Earn an additional 1.5% on all purchases (up to $20K spent in the first year) - worth up to $300 cash back.
No Annual Fee
This card is likely subject to Chase's 5/24 rule (click here for details).
Recent better offer: Unlimited Double Cash Back for 12 month (expired 1/11/24)
0% Intro APR for 18 months from account opening on purchases and balance transfers, then a variable APR of 20.24% - 28.999%.
No Annual Fee
This card is subject to Chase's 5/24 rule (click here for details). Even though this card is marketed as a cash back card, it actually earns Ultimate Rewards points which are redeemable for 1 cent each, or can be combined with other Ultimate Rewards-earning cards to get even more value. This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
75K points ⓘ Affiliate
75K after $6K spend in 3 months
No Annual Fee
Alternate Offer: You may be able to get an offer of 120,000 points after $6,000 in purchases via a Business Relationship Manager.
Up to 75K points ⓘ Affiliate
35K after $3K spend in 3 months and an additional 40K points after $6K spend in 6 months.
No Annual Fee
Alternate Offer: If you have a household member with an Ink card, you may prefer the referral offer whereby the referrer can earn 40,000 points and the new account holder can earn 75,000 points after $6,000 in purchases in the first 3 months since it will yield more total points.
Recent better offer: 90K after $6K spend in 6 monthd (expired 1/17/24
$1,000 Cash Back ⓘ Affiliate
$1K after $10K Spend in 3 Months
$195 Annual Fee
Alternate Offer: Some have been targeted for 150K after $10K spend via mailer or in the "Just for You" section of their online account.
Up to 45K points ⓘ Non-Affiliate
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
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)
60K points ⓘ Affiliate
60K after $5,000 spend in 3 months.
$199 Annual Fee
This card is subject to Chase's 5/24 rule.
None
This card is currently unavailable for new applications
No Annual Fee
This card is subject to Chase's 5/24 rule.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Free DashPass ⓘ Non-Affiliate
Receive 12 months of DashPass for free upon approval
No Annual Fee
This card is subject to Chase's 5/24 rule.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
$100 Cash Back
$100 after $500 spend in 3 months
No Annual Fee
This card is believed to not be subject to Chase's 5/24 rule
Recent better offer: $200 after $500 spend in 3 months
None
This card is no longer available
$49 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
140k points ⓘ Affiliate
Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening
$99 Annual Fee
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 9/4/24)
140K points ⓘ Affiliate
Earn 1400K points after $4K spend within the first 3 months.
$99 Annual Fee
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 11/9/24)
100K Points ⓘ Affiliate
Limited time offer - 100K points after $2K spend in 3 months
No Annual Fee
Recent better offer: 120K after $2K spend (expired 7/4/22)
85K points after $4K spend in 3 months
$250 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
None
This card is no longer available
$450 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
None
This card is no longer available
$85 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
125K points ⓘ Non-Affiliate
Limited Time Offer: Earn 125,000 bonus points after spending $5,000 on eligible purchases within the first 3 months.
$95 Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
Recent better offer: 5 x 50K free night certificates after $5K in spend (expired 1/9/24)
60K points + Free Night Certificate ⓘ Friend-Referral
60K points + 50K free night certificate after $2K in the first 3 months. Terms apply.
No Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
Recent better offer: 50K points after $1K in the first 3 months and 50K points after 6 eligible paid nights at Bonvoy hotels. (expired 8/9/23)
None
This card is no longer available
$99 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
50K miles after $2,500 spend in first 3 months
$0 introductory annual fee for the first year, then $99
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 75K miles after $3,500 spend in 3 months (ended 10/14/24)
75K miles after $5K spend in first 5 months
$0 introductory annual fee for the first year, then $99
Alternate Offer: There is an alternative offer of 30K + $400 credit that can be found when doing a dummy booking on aa.com.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
75K miles after $7,500 spend in first 3 months
$595 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
None
This card is no longer available
No Annual Fee
This card is available in-branch only and is not available online. The bonus may vary by region and can be as high as 40K.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
None
This card is no longer available
$495 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
None
This card is no longer available
No Annual Fee
20K points after $1.5K spend in 3 months
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
None
This card is no longer available
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
None
This card is no longer available
$95 Annual Fee
This card is no longer available to new applicants.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
$200 cash back after spending $1.5K in first six months. Note: $200 is awarded as 20,000 ThankYou® Points.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
20K points after $1500 spend in the first 6 months
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: Expired 9/13/22 - 20,000 points after $750 spend in first 3 months
$75 statement credit after spending $1,500 within the first three months
No Annual Fee
Requires Costco membership. Cash back provided annually with February billing statement as rewards coupon redeemable for cash or merchandise at Costco
No Welcome Bonus ⓘ Non-Affiliate

No Annual Fee
Requires Costco membership. Cash back provided annually with February billing statement as rewards coupon redeemable for cash or merchandise at Costco

No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
No bonus at this time.
$400 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Waitlist only ⓘ Non-Affiliate
This card is currently available by waitlist only
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
No standard bonus ⓘ Friend-Referral
This card is currently unavailable to new applicants.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
$100 Cash Back ⓘ Non-Affiliate
$100 statement credit after $500 spend in first 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
$100 + First Year Double ⓘ Friend-Referral
Get $100 after first purchase. All "miles" earned in first 12 months will be doubled. This makes this a 3% cash back card for the first year.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
None
This card is currently unavailable to new applicants.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
$100 Back + First Year Double ⓘ Friend-Referral
Get $100 after first purchase. All cashback earned in first 12 months will be doubled including 5% earned in rotating categories.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
$50 + First Year Double + $20/year ⓘ Friend-Referral
Get $50 after first purchase. All cashback earned in first 12 months will be doubled including 5% earned in rotating categories. Plus, get $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
There is currently no welcome bonus offered.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
None
This card is no longer available
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
This card is no longer available
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
This card is no longer available
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
None
This card is no longer available
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
This card is no longer available
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Up to 50K Avios
30K Avios after first transaction, then an additional 20K after $3,000 spend within the first 90 days
$99 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Up to 70K Avios + 150 Qpoints ⓘ Non-Affiliate
45K Avios after first transaction, then an additional 25K and 150 Qpoints after $5,000 spend within the first 90 days
$499 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Limited time offer: earn 58K bonus miles after $2.5K in first 3 months
$79 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
No Welcome Bonus ⓘ Non-Affiliate
This card currently features no welcome offer, but it does offer 5% back on up to $10K in purchases per year at Simon Malls, Simon Mills, and Simon Premium Outlets.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earn 40K bonus miles after $3K in first 90 days
$99 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Up to 100K miles ⓘ Non-Affiliate
Up to 100K miles: Earn 60K bonus miles after $4.5K spend in first 90 days + 40K miles after $25K total spend in first 12 months
$249 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
40K points after "qualifying spend" (we saw $1,500) in 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
80K points after "qualifying spend" (we saw $3,000) in 90 days
$89 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
$200 cash back ⓘ Non-Affiliate
20K points (worth $200) after $3K spend in the first 60 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
12K points after $1K spend in the first 3 billing cycles
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
35K points after $2K spend in the first 3 billing cycles
$99 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 30K points after $1K spend in the first 3 billing cycles + 2 companion certificates, 2 upgrade certificates and 2 lounge passes
$200 Cash Back ⓘ Non-Affiliate
$200 in rewards (20K points) after $1K in purchases in first 3 billing cycles.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
None
This card is no longer available
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
$200 back after $1K spend in 3 months
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
0% introductory APR for the first 12 billing cycles on purchases and balance transfers after account is opened. After that, a variable rate will apply.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
10K points + 10K Tier Credits ⓘ Non-Affiliate
10K points + 10K Tier Credits after $1,500K spend in the first 3 billing cycles
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Not currently accepting new applications.
$89 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
25K points after $1,500 spend in the first 3 billing cycles
$69 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
10K miles
10K miles after $5K spend in first 3 billing cycles with promo code SPG2020
$70 Annual Fee
Note: Basic card earns 1 mile per $2 spent and has a $20 annual fee. To earn 1 mile per $1 spent, choose the "Premium" rewards for $70 annual fee.
50K points after $4K in 3 months
$0 introductory annual fee for the first year, then $95
Note that the ongoing annual fee is $0 if you maintain an HSBC Premier checking account (which requires $5K per month in direct deposits to remain fee-free)
40K miles after $4K spend within 90 days of account opening
$99 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
No Welcome Bonus ⓘ Non-Affiliate

$0 introductory annual fee for the first year, then $95
Note that the card is only currently available with an M1 Plus membership (membership is free the first year, then $125 per year). The credit card's $95 annual fee is waived with an M1 Plus membership. Note also that the fine print says that the bonus will be paid out within 120 days of the end of the intro offer period. This means the welcome offer could be paid out as late as July 29, 2022.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
$150 Cash Back ⓘ Non-Affiliate
$150 in rewards (15K points) after $1000 in purchases in first 120 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
50K Points ⓘ Affiliate
50K points after $3K spend in 90 days
$95 Annual Fee
15K Points ⓘ Affiliate
15K points after $1,500 spend in 90 days
No Annual Fee
No Welcome Bonus
This card is currently not available to new applicants.
$0 introductory annual fee for the first year, then $85
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
0% APR on balance transfers ⓘ Non-Affiliate
0% APR on balance transfers for first 12 billing cycles following account opening when balance is transferred within the first 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
3% back for 12 months ⓘ Non-Affiliate
3% cash back for 12 months on up to $20K in purchases
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
There is currently no welcome bonus offered.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
None
No Annual Fee
After $10K in purchases in the elevated categories each anniversary year, you only earn 1% back (or 2% through the end of 2021). Note that you can only apply in the Venmo app.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
35K after $3K spend in 90 days
$95 Annual Fee
Note that some have received a targeted email offer for 65K miles after $5K spend in 90 days.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
No Welcome Bonus ⓘ Non-Affiliate

No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
No Welcome Bonus ⓘ Non-Affiliate

No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
40K after $3K spend in 90 days + 2.5k for adding an authorised user (up to 4)
$99 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Up to $200 in statement credits ⓘ Non-Affiliate
$100 credit with 5G phone offer and $100 statement credit after first purchase
within 90 days of account opening.
No Annual Fee
$200 Cash Back ⓘ Non-Affiliate
$200 cashback after $1,000 spend within first 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
None (call to apply) ⓘ Non-Affiliate
This card does not currently have a welcome offer
No Annual Fee
Bonus offer is not available to either current or previous UBS credit cardmembers
None (call to apply) ⓘ Non-Affiliate
This card does not currently have a welcome offer
$495 Annual Fee
Bonus offer is not available to either current or previous UBS credit cardmembers
None (call to apply) ⓘ Non-Affiliate
This card does not currently have a welcome offer
No Annual Fee
Bonus offer is not available to either current or previous UBS credit cardmembers. Note: UBS Business cards DO add to Chase's 5/24 Rule.
None (call to apply) ⓘ Non-Affiliate
This card does not currently have a welcome offer
$550 Annual Fee
Bonus offer is not available to either current or previous UBS credit cardmembers. Note: UBS Business cards DO add to Chase's 5/24 Rule.
None (call to apply) ⓘ Non-Affiliate
This card does not currently have a welcome offer
$150 Annual Fee
Bonus offer is not available to either current or previous UBS credit cardmembers. Note: UBS Business cards DO add to Chase's 5/24 Rule.
None
This card is no longer available
$0 introductory annual fee for the first year, then $55
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
None
This card is no longer available
$0 introductory annual fee for the first year, then $49
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
$250 cash back ⓘ Non-Affiliate
$250 after $2K spend in 120 days
$0 introductory annual fee for the first year, then $95
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
None
$85 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Not accepting applications
This card is not currently available.
$400 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
75K after $10K spend in 120 days
$195 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Currently no welcome offer
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
20K after $1K spend in 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
20K after $1K spend in 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 50K after $2K spend in 120 days (Ended 9/9/24)
60K after $6K spend in 180 days
$0 introductory annual fee for the first year, then $95
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.
20K miles
20K miles after first use.
$0 introductory annual fee for the first year, then $75
US Bank may also approve you for their non-Signature Visa which comes with a 15K bonus and lesser benefits.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
40K miles after $4K spend in 90 days
$95 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
60K miles after $5K spend in 90 days
$450 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
50K miles after $5K in 90 days
$95 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
$250 Cash Back ⓘ Non-Affiliate
$250 back as a statement credit after $1000 spend in 120 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
None
This card is no longer available
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
$750 Cash Back ⓘ Non-Affiliate
$750 cash back after $6000 spend on the account owner's card in first 150 days
No Annual Fee
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.
none
This card is no longer available
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
20K after $1,000 spend in first 3 months.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
$500 Cash Back ⓘ Non-Affiliate
$500 after $5,000 spend in first 3 months.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
$100 Cash Back ⓘ Non-Affiliate
$100 after $500 spend in first 3 months.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
60K after $4,000 spend in first 3 months.
$95 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
There is no official welcome bonus, but this card offers the opportunity to earn 1x points on rent when you make at least 5 transactions per billing cycle. Terms apply.
No Annual Fee
Note that some people see a targeted offer in the Bilt Rewards app to earn 5x points for the first 5 days after being approved and receiving and activating the card. This is not guaranteed, but rather is targeted. Select 'Click Here to Apply' to learn more about the product features, terms and conditions.

Unfortunately, the $550 annual fee is not waived the first year.  After the first year, you can, of course, downgrade to a cheaper Delta card or cancel altogether.  The business card version of the offer includes a $200 statement credit (at the time of this writing) and so that’s obviously the better option for the 1-card solution.

Applying for Business Credit Cards: You must have a business to apply, but even a simple sole proprietorship will work. It's likely that you have a business even if you don't realize it.
More:You must have a business (but you probably do): In order to apply for a business credit card, you must have a business. That said, it's common for people to have businesses without realizing it. If you sell items at a yard sale or on eBay, for example, then you have a business. Similar examples include: consulting, writing (e.g. blog authorship, planning your first novel, etc.), handyman services, owning rental property, renting on airbnb, driving for Uber or Lyft, etc. In any of these cases, your business is considered a Sole Proprietorship unless you form a corporation of some sort.
When you apply for a business credit card as a sole proprietor, you can use your own name as your business name, use your own address and phone as the business' address and phone, and your social security number as the business' Tax ID / EIN. Alternatively, you can get a proper Tax ID / EIN from the IRS for free, in about a minute, through this website.
Is it OK to use business cards for personal expenses? Anecdotally, almost everyone I know uses business cards for personal expenses. That said, the terms in most business card applications state that you should use the card only for business use. Also, some consumer credit card protections do not apply to business cards. My advice: don't use the card for personal expenses if you're not comfortable doing so.

Here’s a summary comparison of the costs and benefits of the welcome offers:

1 Card (Business) 2 Cards
Card Annual Fees $550 $1100
Statement Credits $200 $200
Net Fees $350 $900
Bonus Miles Earned 80,000 160,000
MQMs Earned 20,000 40,000

Spend Big

In 2021 only, Delta Reserve cards offer 18,750 MQM bonuses (vs 15,000 MQMs in most years) when you complete $30K, $60K, $90K, and $120K spend within a calendar year. That offer expired in 2021.

In order to earn Delta Platinum status, assuming you have no other way of earning MQMs, this plan calls for spending a total of $90,000 in the one-card solution or $60,000 in the two-card solution.

An easy option at this time of year is to use the Delta Reserve card to pay federal income taxes. You can even overpay taxes now and get a refund once you file your annual tax return.  The IRS doesn’t mind getting a loan (but I can’t rule out the possibility that this would increase chances of getting audited)

At the time of this writing, each of the 3 primary tax payment processors charge just under 2% in fees for paying taxes.  Here are the scenarios, assuming 2% in fees:

1 Card 2 Cards
Amount Paid in Taxes $88,270 $58,850 ($29,425 per card)
Tax Payment Fees (2%) $1,765 $1,177
Total Spend >$90K >$60K ($30K per card)
Miles Earned from Spend 90,000 60,000
MQMs from Status Boosts 56,250 37,500

The 1-card solution requires much more spend, but it also earns more miles and MQMs than the 2-card solution.

For more about paying taxes by credit card, see: Complete guide to paying taxes via credit card, debit card, or gift card

Platinum Medallion Elite Status Complete!

Platinum status requires 75,000 MQMs.  If you follow the above suggestions you’ll earn slightly more than 75,000 MQMs.  And, fortunately, for anyone who earns elite status, Delta rolls over extra MQMs from one year to the next and so those extra MQMs won’t be wasted if you pursue elite status again next year.  If you complete either of the above plans early this year, you’ll have Platinum status for all of the rest of this year (2021), all of 2022, and through January of 2023.

Here’s a summary of the two solutions:

1 Card 2 Cards
Net Card Fees $350 $900
Fees from Spend (2%) $1,765 $1,177
Total Fees $2,115 $2,077
Miles Earned 170,000 220,000
MQMs Earned 76,250 77,500

Costs vs Miles

One way to help justify spending so much money towards elite status is to look at the value of the redeemable miles you’ll earn along the way.  It can be hard to justify spending a lot for hard-to-quantify elite benefits, but redeemable miles have tangible value towards flights.

Our Reasonable Redemption Values (RRVs) currently lists Delta SkyMiles at 1.3 cents.  That means that we believe that it is reasonable to expect to get 1.3 cents per mile or better value when redeeming miles for award flights.  Alternatively, you could more conservatively estimate the miles as being worth 1 cent each since that’s the value you get when using Delta’s “Pay with Miles” feature.

Let’s look at the two plans compared to the two valuations of Delta miles earned:

1 Card 2 Cards
Total Fees $2,115 $2,077
Miles Earned 170,000 220,000
Mile Value at 1.3 Cents Per Mile $2,210 $2,860
“Profit” $2,210-$2,115 = $95 $2,860-$2,077 = $783
Mile Value at 1 Cent Per Mile $1,700 $2,200
“Profit” $1,700-$2,115 = -$415 $2,200-$2,077 = $123

As you can see above, if you value miles at 1.3 cents each, then either solution results in a “profit” where the value of miles earned exceeds the costs involved in buying Platinum status.  If you value miles at only 1 cent per mile, though, you’ll have a net loss of just over $400 with the 1-card solution.  In my opinion, though, $400 is a bargain for nearly 2 years of Platinum elite status plus one year of lounge access (assuming you’ll make good use of both).

One Card or Two? Which Solution is Better?

Here again is a summary comparison of the two solutions:

1 Card 2 Cards
Net Card Fees $350 $900
Fees from Spend (2%) $1,765 $1,177
Total Fees $2,115 $2,077
Miles Earned 170,000 220,000
MQMs Earned 76,250 77,500

Total costs of the two solutions and MQMs earned are similar, but the 2-card solution offers 50,000 more miles.  That makes the two card solution appear to be better, but I think that the one card solution is better for the following reasons:

  • If Skymiles are important to you, you’d end up with more total Skymiles by going with the one-card solution and separately applying for the Delta Platinum or Delta Gold card.
  • Amex generally doesn’t let you get an intro bonus again for a card you’ve had before. If you get both Delta Reserve cards now, you won’t be able to get the bonuses on these cards again for a very long time.  With the one-card solution, though, you could get an MQM bonus again next year, or the year after, that by applying for the other card.  Plus, this is a great way to extend the card’s perks (like Sky Club access): You could keep one Delta Reserve card for a year, cancel it and then apply for the other Delta Reserve card.  This way you’ll get two years of benefits from the two cards instead of just one year of benefits as would happen with the two-card solution.

Consider cancelling after a year (or two)

If you go with the two card solution, it doesn’t make much sense to keep both cards more than a year unless you plan to manufacture Delta Diamond status (see: Manufacturing Delta elite status in 2020 and beyond).  Most of the perks, such as Sky Club access are duplicative.  For example, it doesn’t do you any good to have two reasons to have access to the Delta Sky Club.

You could cancel the card you don’t want or downgrade it to one of the cheaper Delta cards.  One downside of downgrading is that you then won’t be eligible for a welcome bonus for the card you downgrade to.  For example, if you decide you want a Delta Platinum card, you’re better off applying new for that card in order to get the welcome bonus rather than downgrading to it.

close up of a paper

Whether or not to keep one Delta Reserve card long term is a tougher question.  Yes, this card has great perks, but you can find even more perks, including Delta Sky Club and Centurion Lounge access, on the identically priced Amex Platinum card (not to be confused with the Delta Platinum card).  And, unlike the Delta Reserve card, the Platinum card comes with airline fee credits and other credits to help offset the annual fee.

The biggest benefits that the Reserve card has over the Amex Platinum are the annual first class companion certificate, the ability to earn Delta elite status through spend, and the ability to get free upgrades if you don’t have Delta status.  In other words, the Delta Reserve card makes the most sense for those who are sure to use the companion certificate towards good value each year and/or who covet Delta elite benefits.  Others may do better with an Amex Platinum card or the lower priced Delta Platinum card.

One way to decide is to use our spreadsheet to compare similar cards.  See: Which Ultra Premium Cards are Keepers?

Conclusion

As shown above, there’s currently a short term opportunity to buy Platinum status for around $2,100.  In exchange, you’ll get Platinum status perks, redeemable Skymiles worth over $1,700, and several valuable Delta Reserve card perks.  In my opinion, if you can float the high spend required to get this done AND if you’re a frequent Delta flyer who’s eager to get a taste of Platinum elite status then this deal may be for you.  If you don’t check both of those boxes, I don’t recommend this approach.

See also:

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18 Comments
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Ben

My problem with Delta is that I do not see any good use for their miles.
There is no sweet spot with DL miles and I rather using transferable points.

FLN

Hello, I was attempting to refer a family member to the AMEX Delta Platinum card but the bonus they would receive is ony 40,000 instead of 90,000 miles. Is there some trick to being able to refer friends and have them qualify for the latest offer? Perhaps to call AMEX?

Thanks

WR2

The MQM and spend elite thresholds now just look insanely high given Covid. Pre-Covid I felt any useful status was only in reach of road warrior business travelers, but now they just seem ridiculous. I’ve got to believe they will have to adjust those thresholds down. Going after the status now seems like a major waste.

Deals Points

Have you confirmed that this plan will work with the Reserve and Reserve Business in light of the fine print under “Status Boost” that states: “Card Members are only eligible to receive one annual bonus per threshold per calendar year for each type of eligible Delta SkyMiles Card (e.g., Platinum or Reserve) that is linked to the same SkyMiles account.” That seems to indicate that you could only get one $30k boost from the Delta Reserve line of cards instead of one each on the personal and business.

[…] A limited time opportunity to buy Delta Platinum elite status […]

Nina

I guess I thought that working on status in 2020 was for 2021. So if I currently have gold and meet requirements for platinum during this year, my 2020 status is upgraded?

Nick Reyes

Yes, you’ve got it right — you’re working on 2021’s status, but you get to enjoy the benefits for the rest of this year once you’ve met that requirement. For people earning the traditional way, that means they’ll probably qualify in November or December and enjoy Platinum benefits for a month or two this year and all of next year. If you leverage the credit card opportunity now, you could end up getting 8 or 9 months of status this year plus all of next year.

Essentially, status benefits are meant to encourage you to fly the airline. Once you’ve met the requirements, it’s not in the program’s interest to make you wait until next year to enjoy them. They want you to keep right on booking with them — so you get access to the benefits once you’ve met the requirement, be that in March or November or whenever it may be.

CaveDweller

Greg
Why don’t u do a post on the Coronavirus in respect to seats . FBN just said to the end of April airlines canceled flts. They need to Fly them dead horses to make money or go BK . Hmmm I smell Deals coming up quickly long range aircraft as in EU .
CHEERs

LarryInNYC

I think your analysis of cost, especially if you’re doing it early in the tax year, should include some accounting for the opportunity cost of not investing the money elsewhere.

If you’re overpaying your taxes in expectation of a refund, you’re loaning the money out at no interest for about a full year — and foregoing perhaps 2% interest on it. That brings your cost on that money from 1.87 to 3.87 percent. The calculation is a little more complex if you’re just pre-paying future quarter estimated tax since you’re then losing 3, 6, or 9 months of interest but the the idea is the same.

If you’re a large-scale MS-er and could be cycling that money monthly I imagine the lost income might be even higher.

Am I missing something in this analysis?

CaveDweller

Larry
Large-scale MS-er’s get Shut Down u Loose it All by being GREEDY .
Cheers

LarryInNYC

CD: You mean Greg? He seems to be doing okay, right?

CaveDweller

Larry
I mean u or anyone doing that or playing fast with the rules look @ the AA deal. Now as far as paying the IRS I’ve been doing that for 8 yrs to get a few needed points .Who cares if it 1.8000% or 3.88888% u folks Love to Split hairs .
Eating BK waiting for the Sun to come up in Hawaii with my well earned points.
LOL
CHEERs

ktc

Greg’s method is closely tied to the timing of being early in the yr. if you do this in Apr (1) the loan out is only 2-3 weeks instead of a full yr (2) Status will last about 20 months

CaveDweller

I don’t know if u can do it 4/1 for 2019 without fines.? I did it 1/6 should get back like 3/20 just like last year .
Cheers

LarryInNYC

You can’t hold all your estimated payments until the last quarter or you will pay penalties, just like you said. But if you paid all along, and just make a large overpayment on your fourth quarter 2019 estimate, then you won’t incur penalties, and you should get the money back in a month or so. So, that particular strategy does work and your total cost is close to 2% (the 1.87% plus a little less than 0.2% on the month’s lost interest).