One way in which banks try to encourage spending on their credit cards is by offering bonus points or perks for high spend. It’s possible, for example, to earn high level airline or hotel elite status through spend alone. This page lists our picks for the best spend bonuses. Below the list, you’ll also find a table containing all big spend bonuses in our credit card database.
See also: Best Credit Card Offers, Best Rewards for Everyday Spend, and Best Category Bonuses
What’s new? This guide has been updated to reflect the latest elite status requirements and we have added sections for the best hotel free night certificates and best airline companion certificates.
Best hotel elite status with spend
World of Hyatt Globalist Status
Hyatt is my favorite hotel chain, and Hyatt’s top tier status (Globalist) is by far my favorite hotel elite status. It offers perks such as suite upgrades, free full breakfast, waived resort fees, and free parking on award stays. With the consumer card you automatically get 5 nights towards status, plus you can earn 2 elite nights for each $5K of spend and a free night with $15K spend. And with the business card you can earn 5 elite nights for each $10K of spend (see this post for my thoughts about spending towards Globalist with the business card). Globalist status requires 60 elite nights. Along the way to earning Globalist status, you’ll also pick up valuable Milestone Rewards. See this post for more: World of Hyatt Complete Guide.
| Card Offer and Details |
|---|
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) FM Mini Review: Great card for welcome bonus and annual free night. Might be worth using regularly for additional free night and as a path to status. Earning rate: ✦ 2X restaurants / cafes / coffee shops, airlines, local transit, fitness clubs and gym memberships ✦ 4X Hyatt and Mr & Mrs Smith Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: One free Cat 1-4 night certificate after $15K spend in a calendar year. ✦ Get 2 elite qualifying night credits every time you spend $5K in purchases Noteworthy perks: ✦ Free category 1-4 night every year upon renewal ✦ Additional free category 1-4 night after $15K spend in calendar year ✦ Discoverist elite status ✦ 5 elite qualifying nights |
60K points ⓘ Affiliate 60K after $5,000 spend in 3 months.$199 Annual Fee This card is subject to Chase's 5/24 rule. FM Mini Review: Great for its initial bonus and for Hyatt enthusiasts to spend toward status and rebate on award stays. Earning rate: 2X on fitness clubs and gym memberships ✦ 2X in the top 3 spend categories each calendar quarter. Eligible categories include dining; airline tickets purchased directly with the airline; car rental agencies; local transit and commuting; gas stations; internet, cable and phone services; social media and search engine advertising; and shipping ✦ 4X Hyatt and Mr & Mrs Smith Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: Get 5 elite qualifying night credits every time you spend $10,000 in purchases. ✦ After $50K spend in a calendar year, get 10% back on redeemed points for the rest of that calendar year (Up to 20K points back per year). Noteworthy perks: Discoverist elite status ✦ Ability to gift Discoverist to up to 5 employees (they do not need to be cardholders) ✦ Up to $100 each cardmember year in Hyatt statement credits: Spend $50 or more at any Hyatt property and get a $50 statement credit up to two times per year ✦ Hyatt Leverage membership with no minimum stay requirements. |
IHG Diamond Status
Now that IHG’s top tier Diamond status offers a free breakfast benefit, it has become a status worth having. One easy way to get it is to spend $40K per year on either the Premier or Premier Business card. For my analysis, see: Are the IHG Premier cards worth our big spend?
| Card Offer and Details |
|---|
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) Earning rate: 10X IHG ✦ 5X travel, dining, and gas stations ✦ 3X on all other purchases Card Info: Mastercard World Elite issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: 10K bonus points + $100 statement credit after you spend $20K in a calendar year + make one additional purchase ✦ Diamond status after $40K in purchases + one additional purchase in a calendar year Noteworthy perks: Anniversary free night e-certificate good at IHG properties up to 40K points per night ✦ Ability to add an unlimited number of points to a free night certificate to book a higher-level hotel ✦ Fourth night free on award stays ✦ 20% discount on points purchases ✦ Platinum elite status ✦ Up to $50 in United TravelBank cash per year (must register your card with your United account) |
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) Earning rate: 10X IHG ✦ 5X travel, gas stations, restaurants and dining, social media and search engine advertising, office supply stores ✦ 3X on all other purchases Card Info: Mastercard World Elite issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: 10K bonus points + $100 statement credit after you spend $20K in a cardmember year + make one additional purchase. ✦ Diamond status after $40K in purchases + one additional purchase in a calendar year ✦ Free night certificate (up to 40K points) after $60K in purchases + one additional purchase in a calendar year Noteworthy perks: Anniversary free night e-certificate good at IHG properties up to 40K points per night ✦ Ability to add an unlimited number of points to a free night certificate to book a higher-level hotel ✦ Fourth night free on award stays ✦ 20% discount on points purchases ✦ Platinum elite status ✦ Up to $50 in United TravelBank cash per year (must register your card with your United account) |
Marriott Bonvoy Platinum Status
Marriott Platinum Elite status offers the following perks: 4PM late checkout at hotels (not guaranteed at resorts); 50% point bonus; welcome gift with breakfast option at some hotels; lounge access at some hotels; and a room upgrade including to suites based upon availability. Overall, it can be extremely valuable depending upon which Marriott hotels you tend to stay at.
There are several ways to earn Platinum status through credit card spend. For full details, see: Shortcuts to Marriott Platinum Elite status. The easiest to understand option, though, is to spend $75K in a calendar year on the Ritz card. Alternatively, simply get the Bonvoy Brilliant card and you’ll get Platinum status automatically.
| Card Offer and Details |
|---|
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. FM Mini Review: Decent ultra-premium option for Marriott fans, especially those aiming for lifetime status tiers Earning rate: 3X airfare -on flights booked directly with airlines; 3X restaurants worldwide, 6X Marriott; 2X on all other eligible purchases Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: Annual Choice Award with $60K calendar year spend Noteworthy perks: ✦ 85K Free Night Award each year upon renewal ✦ $300 dining credit per membership year ($25/mo) ✦ Platinum Elite status ✦ 25 elite nights credit ✦ Priority Pass membership (Lounges only) with 2 guests ✦ Global Entry fee credit ✦ Free premium internet at Marriott properties Note: Enrollment required for some benefits. See also: Marriott Bonvoy Complete Guide |
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. FM Mini Review: While the card is pricey, the annual free night, plus $300 in ariline fee credits, plus other perks make this card a keeper. Earning rate: ✦ 6X Ritz & Marriott.✦ 3X airline tickets purchased directly with the airline, at car rental agencies and at restaurants ✦ 2X everywhere else Card Info: Visa Infinite issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: $75K spend per calendar year for Platinum elite status Noteworthy perks: ✦ Annual 85K hotel certificate upon renewal ✦ 3 club level upgrades. $100 hotel credit for each 2 night or longer stay ✦ Priority Pass Select with unlimited guests ✦ Access Sapphire Lounges for yourself and unlimited guests for free ✦ $300 annual credit for airline incidentals ✦ Automatic Gold Status See also: Marriott Bonvoy Complete Guide |
Hilton Honors Diamond Status
Earn a free night with $15K spend and top tier Diamond status with $40K calendar year spend on either the Hilton Honors Surpass or Hilton Honors Business Credit cards shown below.
Note that another great option for getting Diamond status is simply to have the Hilton Aspire card which costs $550 per year but offers automatic Diamond status, up to $600 per year in rebates, an annual free night certificate, and more. The Aspire card also offers the chance to earn free night certificates through spend at $30K and $60K of spend.
| Card Offer and Details |
|---|
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. 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. Earning rate: ✦ 14X Hilton spend ✦ 7X US restaurants, flights booked directly with airlines or amextravel.com, select car rental companies ✦ 3X on all other eligible purchases ✦ Terms & Limitations Apply. Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: Additional free night awards after $30K and $60K spend in calendar year Noteworthy perks: ✦Annual Free Night Reward every year upon renewal ✦ Free Diamond Status ✦ Up to $400 Hilton Resort Credit per calendar year ($200 semi-annually) ✦ $200 Flight Credit ($50 per quarter for purchases directly with airlines or via Amex Travel) ✦ $199 CLEAR (R) Plus fee credit per calendar year ✦ $100 on-property credit w/ Aspire Card package ✦ Terms Apply. See Rates & Fees See also: Amex Hilton Aspire In-Depth Review |
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. 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. Earning rate: ✦ 12X Hilton spend ✦ 6X U.S. restaurants, US Supermarkets, and US gas stations ✦ 4X U.S. Online Retail Purchases ✦ 3X on all other eligible purchases Base: 3X (1.44%) Dine: 6X (2.88%) Gas: 6X (2.88%) Grocery: 6X (2.88%) Shop: 4X (1.92%) Brand: 12X (5.76%) Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: ✦ Free night award after $15K spend in calendar year ✦ Diamond elite status with $40K calendar year spend ✦ Terms apply Noteworthy perks: Free Gold status. Diamond status w/ $40K spend. ✦ Up to $200 in Hilton credits ($50 per quarter) ✦ Terms Apply. (Rates & Fees) |
175K Points ⓘ Affiliate 175K after $8K spend in first 6 months. Terms apply. (Rates & Fees) (Offer Expires 1/8/2025)$195 Annual Fee Recent better offer: None FM Mini Review: Easy way to secure Hilton Gold status (which offers free breakfast among other perks). Amex business cards do not count towards 5/24 status so will not hurt chances of applying for Chase cards. Earning rate: ✦ 12X Hilton spend ✦ 5X on other eligible purchases (on the first $100K in purchases per calendar year, 3X thereafter). Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: Diamond elite status with $40K calendar year spend Noteworthy perks: ✦ Complimentary Hilton Honors Gold status. Diamond status w/ $40K spend. ✦ Up to $240 in annual credits for Hilton purchases (Up to $60 per quarter) ✦ Complimentary National Car Rental(R) Emerald Club Executive(R) status (enroll through the link on your American Express online account) ✦ Terms Apply. (Rates & Fees) |
![](http://cdn.nextinsure.com/imaging/opt/0fb236dd-aecb-49ed-9f28-94aaf0efd9a2.png?w=300" alt="Hilton Honors American Express Surpass® Card" />)
![](http://cdn.nextinsure.com/imaging/opt/a5e33401-8d6f-4ae8-b471-5da085075406.jpg?w=300" alt="The Hilton Honors American Express Business Card" />)
Best airline elite status with spend
Delta Medallion Elite Status
Delta makes it possible to earn high level status through credit card spend alone. If you were thinking of booking extra flights just to get or keep status, consider using the Delta Reserve card to “mileage run from home” instead. Each of the following cards offer an annual $2,500 MQD Headstart, plus the ability to earn MQDs through spend:
- Amex Delta Reserve or Delta Reserve Business: Earn 1 Medallion Qualifying Dollar (MQD) per $10 spent.
- Amex Delta Platinum or Delta Platinum Business: Earn 1 Medallion Qualifying Dollar (MQD) per $20 spent. Note that this earns MQDs at only half the rate of the same amount of spend on a Delta Reserve card.
| Card Offer and Details |
|---|
70K miles ⓘ Affiliate 70K after $6K spend in first 6 months. Terms and limitations apply. (Rates & Fees)$350 Annual Fee FM Mini Review: Good choice for frequent Delta flyers who can make use of annual companion certificate Earning rate: 3X Delta ✦ 3X purchases made directly with hotels ✦ 1.5X on transit, eligible U.S. shipping, and purchases of $5K or more (up to $100K per year) Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: Earn 1 Medallion Qualifying Dollar (MQD) per $20 spent Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ✦ Annual $2,500 MQD Headstart ✦ Domestic, Caribbean, or Central American economy companion certificate (subject to taxes & fees) each year upon card renewal ✦ Earn up to $200 as a statement credit each year after booking prepaid hotels or vacation rentals with your Card through Delta Stays on delta.com/stays ✦ Up to $10 per month in statement credits on eligible purchases with U.S. Resy restaurants ✦ Up to $10 per month in statement credits for purchases with select rideshare service providers [enrollment required] ✦ Priority boarding ✦ First checked bag free on Delta flights ✦ Complimentary Upgrade list: get added to the complimentary upgrade list after Delta elite members and Reserve cardmembers✦ Terms and Limitations Apply. (Rates & Fees) |
60K miles ⓘ Affiliate 60K miles after $3K spend in 6 months. Terms apply. (Rates & Fees)$350 Annual Fee FM Mini Review: Good choice for frequent Delta flyers who can make use of annual companion certificate Earning rate: 3X Delta ✦ 3X purchases made directly with hotels ✦ 2X restaurants ✦ 2X US Supermarkets Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: Earn 1 Medallion Qualifying Dollar (MQD) per $20 spent Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ✦ Annual $2,500 MQD Headstart ✦ US, Caribbean, or Central American economy companion certificate (subject to taxes & fees) each year upon card renewal ✦ Earn up to $150 as a statement credit each year after booking prepaid hotels or vacation rentals with your Card through Delta Stays on delta.com/stays ✦ Up to $10 per month in statement credits for purchases with select rideshare service providers [enrollment required] ✦ Up to $10 per month in statement credits on eligible purchases with U.S. Resy restaurants [enrollment required] ✦ Priority boarding ✦ First checked bag free on Delta flights ✦ Complimentary Upgrade list: get added to the complimentary upgrade list after Delta elite members and Reserve cardmembers ✦ Cell phone protection ✦ Terms and Limitations Apply. (Rates & Fees) |
80K miles ⓘ Affiliate 80k after $10K spend in first 6 months. Terms apply. (Rates & Fees)$650 Annual Fee FM Mini Review: Excellent choice for frequent Delta flyers who can make use of SkyClub access and companion certificate. Also a good choice for big spenders seeking Delta elite status. Earning rate: 3X Delta ✦ 1.5X on eligible transit, U.S. shipping & office supply store purchases Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: Earn 1 Medallion Qualifying Dollar (MQD) per $10 spent Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ✦ Domestic, Caribbean, or Central American economy or first class companion certificate (subject to taxes & fees) after card renewal ✦ SkyClub access (starting 2/1/25, 15 visits per year (after 15 visits have been used, additional visits can be purchased for $50 each) or earn unlimited visits after spending $75K/calendar year on the card ✦ 4 Delta SkyClub one-time guest passes ✦ Centurion Lounge access when you book your Delta flight with your Reserve card ✦ Earn up to $250 as a statement credit each year after booking prepaid hotels or vacation rentals with your Card through Delta Stays on delta.com/stays ✦ Up to $20 per month in statement credits on eligible purchases with U.S. Resy restaurants ✦ Up to $10 per month in statement credits for purchases with select rideshare service providers [enrollment required] ✦ Complimentary upgrades ✦ $120 Global Entry fee credit every 4 years (or 4.5 years for TSA Precheck) ✦ Priority boarding ✦ First checked bag free on Delta flights. ✦ Hertz President's Circle Status ✦ Terms and limitations apply. (Rates & Fees) See also: Delta Reserve complete guide |
70K Miles ⓘ Affiliate Earn 70K miles after $5K spend in first 6 months. Terms apply. (Rates & Fees)$650 Annual Fee FM Mini Review: Excellent choice for frequent Delta flyers who can make use of SkyClub access and companion certificate. Also a good choice for big spenders seeking Delta elite status. Earning rate: 3X Delta Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: Earn 1 Medallion Qualifying Dollar (MQD) per $10 spent Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ✦ Annual $2,500 MQD Headstart ✦ US, Caribbean, Mexico or Central America roundtrip main cabin companion certificate (subject to taxes & fees) after card renewal ✦ SkyClub access (starting 2/1/25, 15 visits per year (after 15 visits have been used, additional visits can be purchased for $50 each) or to earn an unlimited number of visits each year starting on 2/1/25, spend $75K or more on eligible purchases between 1/1/24 and 12/31/24, and each calendar year thereafter. ✦ 4 Delta SkyClub one-time guest passes ✦ Centurion Lounge access when flying Delta ✦ Earn up to $200 as a statement credit each year after booking prepaid hotels or vacation rentals with your Card through Delta Stays on delta.com/stays ✦ Up to $20 per month in statement credits on eligible purchases with U.S. Resy restaurants [enrollment required] ✦ Up to $10 per month in statement credits for purchases with select rideshare service providers [enrollment required] ✦ Complimentary upgrades ✦ One statement credit every 4 years for the $120 Global Entry application fee or one statement credit every 4.5 years for the $85 TSA Precheck application fee ✦ Priority boarding ✦ First checked bag free on Delta flights. ✦ Hertz President's Circle Status ✦ Terms and limitations apply. (Rates & Fees) See also: Delta Reserve complete guide |
![](http://cdn.nextinsure.com/imaging/opt/47dd49f9-d80b-4251-aa8e-2fbf313e6402.jpg?w=300" alt="Delta SkyMiles® Reserve American Express Card" />)
Air Canada Aeroplan Elite Status and Other Perks
The Aeroplan card from Chase offers a slew of big spend bonuses:
- Renew 25K status w/ $15K spend
- Status Boost to next level status w/ $50K spend
- Priority Reward w/ $100K, $250K, $500K, or $750K spend
- Free award companion for rest of calendar year and all of next with $1Million spend
Find full details about these bonuses here: A wild card enters the game – Chase’s Air Canada Aeroplan Card.
| Card Offer and Details |
|---|
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). FM Mini Review: Great card for regular or frequent Air Canada flyers Earning rate: 3X Air Canada ✦ 3X grocery stores ✦ 3X dining ✦ 500 bonus points with each $2K calendar month spend, up to $6K spend per month (1,500 points max) ✦ 1X everywhere else Card Info: Mastercard World Elite issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: Renew 25K status w/ $15K spend ✦ Status Boost w/ $50K spend ✦ Priority Reward w/ $100K, $250K, $500K, or $750K spend ✦ Free award companion for rest of calendar year and all of next with $1Million spend Noteworthy perks: Discounted award pricing ✦ Free checked bag ✦ $100 credit for NEXUS, Global Entry or TSA PreCheck every 4 years ✦ Carbon offsets on Air Canada awards ✦ Pay Yourself Back for travel at 1.25 cents per point, up to 50K points per year ✦ 10% bonus when transferring Ultimate Rewards to Aeroplan (25K max bonus/year) |
American Airlines Elite Status
Now that American Airlines elite status can be earned without flying, there’s suddenly reason to put spend on your American Airlines credit card. For each dollar spent on your card you’ll earn 1 Loyalty Point (you earn 1 Loyalty Point per dollar spent even when the card offers 2 redeemable miles per dollar or more). It’s possible to earn top tier status this way and also Loyalty Point Rewards (such as upgrade certificates) without flying at all. For more, see: AA’s Loyalty Point Pursuit game: Earn status w/out flying.
Note that you can also earn additional Loyalty Point boosts with spend on the American Airlines Aviator Silver card. Earn 5,000 bonus Loyalty Points with $20K spend, another 5K bonus Loyalty Points with $40K spend, and a third 5K Loyalty Point bonus with $50K spend all during the status qualification period. Only the Aviator Silver card has this benefit and that card is only available by invitation to upgrade from a Barclays Aviator Red card.
Note also that the Citi AAdvantage Platinum Select, the Citibusiness AAdvantage Platinum Select, and the Barclays Aviator Red & Silver cards each offer an additional big spend bonus in the form of a discount or companion certificate:
- Citi AAdvantage Platinum Select: $125 AA Flight Discount with $20K membership year spend
- Citibusiness AAdvantage Platinum Select: Earn $99 plus taxes domestic companion certificate after $30K spend
- Barclays AAdvantage Aviator Red: Earn $99 + tax domestic companion certificate with $20K membership year spend
- Barclays AAdvantage Aviator Silver*: Earn $99 + tax domestic companion certificate for two companions with $20K membership year spend.
*Note that the Aviator Silver card is only available by invitation as an upgrade from the Aviator Red card
Here are the currently available AA cards:
| Card Offer and Details |
|---|
75K miles ⓘ Non-Affiliate 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. FM Mini Review: This card usually has a great welcome bonus, but if you're looking for a card to keep long term, you'll find better options. Earning rate: ✦ 2X AA ✦ 2X certain telecommunications merchants ✦ 2X car rental merchants ✦ 2X gas Card Info: Mastercard World issued by Citi. This card has no foreign currency conversion fees. Big spend bonus: Earn $99 plus taxes domestic companion certificate after $30K spend Noteworthy perks: ✦ First checked bag free ✦ Priority Boarding ✦ Save 25% on inflight purchases |
70K Miles ⓘ Non-Affiliate 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] Earning rate: 2X AA ✦ 1X everywhere else Card Info: Mastercard World Elite issued by Barclays. This card has no foreign currency conversion fees. Big spend bonus: Earn $99 + tax domestic companion certificate with $20K membership year spend. Noteworthy perks: First checked bag free ✦ Preferred boarding for the primary cardmember and up to 4 companions traveling on the same reservation ✦ 25% off in-flight purchases ✦ $25 wifi credit per membership year ✦ Flight cents: round up purchases to earn more miles |
50K Miles ⓘ Non-Affiliate 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) 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.) Earning rate: 2X restaurants ✦ 2X gas ✦ 2X AA Card Info: Mastercard World Elite issued by Citi. This card has no foreign currency conversion fees. Big spend bonus: $125 AA Flight Discount with $20K membership year spend Noteworthy perks: ✦ First checked bag free ✦ Priority Boarding ✦ Save 25% on inflight food and beverage purchases |
75K miles ⓘ Non-Affiliate 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. 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. Earning rate: 4X AA ✦ 10X hotels booked through AA.com/Hotels ✦ 10X car rentals booked through AA.com/Cars ✦ 1X everywhere else Card Info: Mastercard World Elite issued by Citi. This card has no foreign currency conversion fees. Noteworthy perks: ✦ First Checked Bag Free ✦ Admirals Club® access for both primary and authorized users ✦ Up to $120 per 12 monthly billing cycles for GrubHub purchases (up to $10 per monthly billing cycle) ✦ Up to $120 back on eligible Avis or Budget prepaid car rentals every calendar year ✦ $10 monthly Lyft credit after you take 3 Lyft rides that calendar month ✦ 10K bonus Loyaty Points after earning 50K Loyalty points through all channels and another 10K bonus Loyalty Points after earning 90K Loyalty Points through all channels ✦ 25% savings on eligible in-flight purchases on American Airlines flights ✦ Up to $120 Global Entry or TSA PreCheck application fee credit every 4 years |
15K miles ⓘ Non-Affiliate Earn 15K AA miles after $500 spend in 3 monthsNo Annual Fee FM Mini Review: Not bad for grocery spend if you highly value AA miles Earning rate: 2X grocery ✦ 2X AA ✦ 1X everywhere else Card Info: Mastercard World Elite issued by Citi. This card imposes foreign transaction fees. Noteworthy perks: Save 25% on inflight food and beverage purchases |
JetBlue Cards Mosaic Status
Cardholders earn 1 tile with every $1,000 spent on one of the JetBlue credit cards. Mosaic 1 status starts at 50 tiles (top-tier Mosaic 4 requires 250 tiles). Mosaic 1 status gives you (among other perks): free inflight beverages including cocktails, wine, and beer, 2 free checked bags, and Even More Space at check-in. Plus, with either card, you’ll get an automatic 10% rebate on JetBlue award bookings.
| Card Offer and Details |
|---|
80K Miles ⓘ Non-Affiliate 80K 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. 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. Earning rate: 2X restaurants and grocery ✦ 6X JetBlue ✦ 1X everywhere else Card Info: Mastercard World Elite issued by Barclays. This card has no foreign currency conversion fees. Big spend bonus: Earn 1 tile for every $1,000 in purchases. Noteworthy perks: ✦ Free checked bag ✦ 5000 bonus points every anniversary ✦ 10% point rebate on awards ✦ $100 statement credit w/ purchase of travel package ✦ 50% savings on in-flight purchases |
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 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. Earning rate: ✦ 2X restaurants and office supply stores ✦ 6X JetBlue ✦ 1X everywhere else Card Info: Mastercard issued by Barclays. This card has no foreign currency conversion fees. Big spend bonus: Earn 1 tile for every $1,000 in purchases. Noteworthy perks: ✦ Free checked bag ✦ Group A boarding ✦ 5000 bonus points every anniversary ✦ 10% point rebate on awards ✦ $100 statement credit w/ purchase of travel package ✦ 50% savings on in-flight purchases |
Southwest Companion Pass
Southwest Airline’s Companion Pass is arguably the single best ongoing travel deal around. When you earn 135,000 qualifying points in a calendar year you’ll earn a Companion Pass for the remainder of the correct year plus all of the next calendar year. Points earned from Southwest credit cards (including both welcome bonuses & spend) count as qualifying points. Once you get the companion pass, for the rest of that year and all of the next year you can add a companion for free (after TSA fees) to any Southwest flight that you’ve purchased with points or with cash.
If you hold any number of Southwest credit cards, you get a 10,000 point boost toward the Companion Pass qualifying points required; in other words, cardholders only need to earn 125,000 qualifying points in a calendar year to earn the Companion Pass.
| Card Offer and Details |
|---|
40K points + $400 ⓘ Affiliate 40K points + a $400 statement credit after $3K spend in the first 4 months.$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). 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. Earning rate: 2X local transit and commuting, including rideshare ✦ 2X internet, cable, phone services, and select streaming ✦ 2X Southwest Card Info: Visa Signature or Platinum issued by Chase. This card imposes foreign transaction fees. Big spend bonus: If you earn 135,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year. Noteworthy perks: 3000 bonus points each year upon card renewal. 2 EarlyBird Check-Ins each year. 10,000 Companion Pass qualifying points each year |
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). Earning rate: 4X Southwest ✦ 3X Rapid Rewards(R) hotel and car partners ✦ 2X rideshare ✦ 2X social media and search engine advertising, internet, cable, and phone services ✦ 1X on all other purchases. Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: If you earn 135,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year ✦ Earn 1,500 TQPs for each $5K in purchases Noteworthy perks: 9000 bonus points each year upon card renewal ✦ 4 Upgraded Boardings per year when available ✦ Global Entry or TSA Pre✔ Fee Credit ✦ Up to 365 Inflight WiFi Credits ✦ 10,000 Companion Pass qualifying points each year. |
40K points + $400 ⓘ Friend-Referral 40K points + a $400 statement credit after $3K spend in the first 4 months.$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. FM Mini Review: The combination of 6,000 points plus 2 EarlyBird Checkins each year make this card a keeper for those who fly Southwest often. Earning rate: 3X Southwest ✦ 2X Rapid Rewards(R) hotel and car partners ✦ 2X local transit and rideshare ✦ 2X internet, cable, phone services, and select streaming ✦ 1X on all other purchases. Card Info: Visa Signature or Platinum issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: If you earn 135,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year ✦ Earn 1,500 TQPs for each $5K in purchases Noteworthy perks: 6000 bonus points each year upon card renewal. 2 EarlyBird Check-Ins each year. 10,000 Companion Pass qualifying points each year ✦ 25% back on in-flight drinks, Wi-Fi, messaging, and movies. |
40K points + $400 ⓘ Affiliate 40K points + a $400 statement credit after $3K spend in the first 4 months.$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. FM Mini Review: Great for frequent Southwest flyers - this card could easily be a long-term keeper. Earning rate: 3X Southwest ✦ 2X Rapid Rewards(R) hotel and car partners ✦ 2X local transit and rideshare ✦ 2X internet, cable, phone services, and select streaming ✦ 1X on all other purchases. Card Info: Visa Signature or Platinum issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: If you earn 135,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year ✦ Earn 1,500 TQPs for each $5K in purchases Noteworthy perks: ✦ 7,500 anniversary points each year ✦ $75 Southwest annual travel credit ✦ Four A1-15 boardings every year ✦ 25% back on in-flight drinks, Wi-Fi, messaging, and movies. ✦ 10,000 Companion Pass qualifying points each year |
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). Earning rate: 3X Southwest ✦ 2X Rapid Rewards(R) hotel and car partners ✦ 2X rideshare ✦ 1X on all other purchases. Card Info: Visa issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: If you earn 135,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year ✦ Earn 1,500 TQPs for each $5,000 spent in purchases annually. Noteworthy perks: 6000 bonus points each year upon card renewal. 2 EarlyBird Check-Ins each year. 10,000 Companion Pass qualifying points each year. |
Virgin Atlantic Elite Status, Bonus Miles, and Companion Certificate
The Virgin Atlantic World Elite Mastercard offers a slew of big spend bonuses. To earn elite status, your best bet is to spend $2,500 or $5,000 on the card each month:
- Companion award ticket with $25K annual spend
- 7,500 bonus points with $15K cardmember year spend + an additional 7,500 points with $25K cardmember year spend
- 25 tier points towards elite status per $2,500 spend (max 50 tier points per month)
| Card Offer and 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. Earning rate: 3X Virgin Atlantic ✦ 1.5X everywhere else Card Info: Mastercard World Elite issued by BOA. This card has no foreign currency conversion fees. Big spend bonus: Companion award ticket with $25K annual spend ✦ 7,500 bonus points with $15K cardmember year spend + an additional 7,500 points with $25K cardmember year spend ✦ 25 tier points towards elite status per $2,500 spend (max 50 tier points per month). |
Best Hotel Certificates
Aside from earning elite status, there are opportunities to earn valuable perks with spend.
World of Hyatt credit card free night certificate
The consumer World of Hyatt credit card offers a Category 1-4 free night certificate after $15K in purchases in a calendar year. We value that certificate at $252 (more on our methodology here), though you can obviously get more or less value depending on how you use it. At a value of $252, the certificate represents about a 1.7% return on spend; when combined with the 15,000 Hyatt points you’ll earn on that spend (which are worth $315 according to our Reasonable Redemption Values) and the 6 elite night credits from the same spend, it can be well worth spending toward this benefit for those who highly value Hyatt points and certificates.
Note also that Hyatt offers another Category 1-4 free night certificate after 30 elite nights and a Category 1-7 free night certificate after 60 elite nights. The 2 elite night credits you get with each $5K spend on the World of Hyatt credit card count toward those (and other) milestone benefits.
Here are the currently-available World of Hyatt credit cards:
| Card Offer and Details |
|---|
60K points ⓘ Affiliate 60K after $5,000 spend in 3 months.$199 Annual Fee This card is subject to Chase's 5/24 rule. FM Mini Review: Great for its initial bonus and for Hyatt enthusiasts to spend toward status and rebate on award stays. Earning rate: 2X on fitness clubs and gym memberships ✦ 2X in the top 3 spend categories each calendar quarter. Eligible categories include dining; airline tickets purchased directly with the airline; car rental agencies; local transit and commuting; gas stations; internet, cable and phone services; social media and search engine advertising; and shipping ✦ 4X Hyatt and Mr & Mrs Smith Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: Get 5 elite qualifying night credits every time you spend $10,000 in purchases. ✦ After $50K spend in a calendar year, get 10% back on redeemed points for the rest of that calendar year (Up to 20K points back per year). Noteworthy perks: Discoverist elite status ✦ Ability to gift Discoverist to up to 5 employees (they do not need to be cardholders) ✦ Up to $100 each cardmember year in Hyatt statement credits: Spend $50 or more at any Hyatt property and get a $50 statement credit up to two times per year ✦ Hyatt Leverage membership with no minimum stay requirements. |
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) FM Mini Review: Great card for welcome bonus and annual free night. Might be worth using regularly for additional free night and as a path to status. Earning rate: ✦ 2X restaurants / cafes / coffee shops, airlines, local transit, fitness clubs and gym memberships ✦ 4X Hyatt and Mr & Mrs Smith Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: One free Cat 1-4 night certificate after $15K spend in a calendar year. ✦ Get 2 elite qualifying night credits every time you spend $5K in purchases Noteworthy perks: ✦ Free category 1-4 night every year upon renewal ✦ Additional free category 1-4 night after $15K spend in calendar year ✦ Discoverist elite status ✦ 5 elite qualifying nights |
Hilton free night certificates
Hilton free night certificates can be used at almost any property worldwide and that is expected to extend to the partnerships with SLH and Autocamp. Since Hilton free night certificates can be used any night of the week at almost any property in the world, they can be highly valuable. In fact, we value Hilton free night certificates at $490 based on our formula detailed on this page.
The Hilton Honors Surpass card offers a free night award that can be used at almost any Hilton property in the world after $15K in purchases in a calendar year.
The Hilton Honors Aspire card offers a free night award that can be used at almost any Hilton property in the world after $30K in purchases in a calendar year and another free night certificate after $60K in purchases in a calendar year.
More info on the above Hilton credit cards:
| Card Offer and Details |
|---|
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. 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. Earning rate: ✦ 14X Hilton spend ✦ 7X US restaurants, flights booked directly with airlines or amextravel.com, select car rental companies ✦ 3X on all other eligible purchases ✦ Terms & Limitations Apply. Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: Additional free night awards after $30K and $60K spend in calendar year Noteworthy perks: ✦Annual Free Night Reward every year upon renewal ✦ Free Diamond Status ✦ Up to $400 Hilton Resort Credit per calendar year ($200 semi-annually) ✦ $200 Flight Credit ($50 per quarter for purchases directly with airlines or via Amex Travel) ✦ $199 CLEAR (R) Plus fee credit per calendar year ✦ $100 on-property credit w/ Aspire Card package ✦ Terms Apply. See Rates & Fees See also: Amex Hilton Aspire In-Depth Review |
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. 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. Earning rate: ✦ 12X Hilton spend ✦ 6X U.S. restaurants, US Supermarkets, and US gas stations ✦ 4X U.S. Online Retail Purchases ✦ 3X on all other eligible purchases Base: 3X (1.44%) Dine: 6X (2.88%) Gas: 6X (2.88%) Grocery: 6X (2.88%) Shop: 4X (1.92%) Brand: 12X (5.76%) Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: ✦ Free night award after $15K spend in calendar year ✦ Diamond elite status with $40K calendar year spend ✦ Terms apply Noteworthy perks: Free Gold status. Diamond status w/ $40K spend. ✦ Up to $200 in Hilton credits ($50 per quarter) ✦ Terms Apply. (Rates & Fees) |
175K Points ⓘ Affiliate 175K after $8K spend in first 6 months. Terms apply. (Rates & Fees) (Offer Expires 1/8/2025)$195 Annual Fee Recent better offer: None FM Mini Review: Easy way to secure Hilton Gold status (which offers free breakfast among other perks). Amex business cards do not count towards 5/24 status so will not hurt chances of applying for Chase cards. Earning rate: ✦ 12X Hilton spend ✦ 5X on other eligible purchases (on the first $100K in purchases per calendar year, 3X thereafter). Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: Diamond elite status with $40K calendar year spend Noteworthy perks: ✦ Complimentary Hilton Honors Gold status. Diamond status w/ $40K spend. ✦ Up to $240 in annual credits for Hilton purchases (Up to $60 per quarter) ✦ Complimentary National Car Rental(R) Emerald Club Executive(R) status (enroll through the link on your American Express online account) ✦ Terms Apply. (Rates & Fees) |
Marriott free night certificates
While many of the Marriott credit cards offer an automatic annual free night certificate, a couple of cards offer spend-based certificates that could represent a decent value, particularly if the introductory bonus spending requirements mean that you’re already part of the way there.
The Marriott Bonvoy Bevy credit card and the Marriott Bonvoy Bountiful card each offer a free night certificate valid for a single night at a property costing up to 50K points for a standard room (and the certificate can be topped off with up to 15,000 additional points) after spending $15,000 in purchases in a calendar year. We value a Marriott 50K certificate at $320 based on our formula detailed on this page.
The Marriott Bonvoy Business card offers an annual free night certificate, but cardholders can earn an additional 35K free night certificate after spending $60K in a calendar year. We value 35K free night certificates at $224 based on our formula detailed on this page. Given the relatively low return on spend, we wouldn’t recommend spending $60K just for that free night certificate.
The Marriott Bonvoy Brilliant card offers an annual choice benefit after $60K in purchases in a calendar year. One of the choice options is an 85K free night certificate. We value 85K free night certificates at $544 based on our formula detailed on this page. That could arguably make it worth spending toward this certificate as the value of the certificate combined with the 2 Marriott points per dollar you’ll earn even on unbonused spend combine to make for a reasonably acceptable return, though only if you are certain that you’ll both use the certificate to high value and get a good redemption from your Marriott points.
More info on the above Marriott credit cards:
| Card Offer and Details |
|---|
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) Earning rate: 6x at Marriott Bonvoy properties ✦ 4x at restaurants worldwide, U.S. gas stations, wireless telephone services purchased from U.S. suppliers and on U.S. purchases for shipping ✦ 2x on all other eligible purchases. Terms Apply. (Rates & Fees) Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: Earn an additional 35k free night certificate (can be topped-up with up to 15k additional points, subject to resort fees) after you spend $60K on purchases in a calendar year Noteworthy perks: Complimentary Marriott Gold elite status ✦ 15 Elite Night Credits each calendar year ✦ 35k Free Night Award every year after card renewal (subject to resort fees) ✦ Complimentary premium Internet access at Marriott properties ✦ Terms Apply (Rates & Fees) See also: Marriott Bonvoy Complete Guide |
85K Points ⓘ Friend-Referral 85K points after $4K spend in 3 months$250 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Earning rate: 6X Marriott.✦ 4X restaurants & grocery on up to $15K spend per year ✦ 2X everywhere else Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: One 50K Free Night Award after $15K calendar year spend. Noteworthy perks: 15 night credit towards elite status every year upon account anniversary ✦ 1,000 bonus points with each qualifying stay ✦ Gold elite status See also: Marriott Bonvoy Complete Guide |
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. Earning rate: 6X Marriott.✦ 4X restaurants & U.S. Supermarkets on up to $15K spend per year ✦ 2X on all other eligible purchases Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: One 50K Free Night Award after $15K calendar year spend on eligible purchases. Noteworthy perks: 15 night credit towards elite status every year upon account anniversary ✦ 1,000 bonus points with each qualifying stay ✦ Gold elite status See also: Marriott Bonvoy Complete Guide |
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. FM Mini Review: Decent ultra-premium option for Marriott fans, especially those aiming for lifetime status tiers Earning rate: 3X airfare -on flights booked directly with airlines; 3X restaurants worldwide, 6X Marriott; 2X on all other eligible purchases Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: Annual Choice Award with $60K calendar year spend Noteworthy perks: ✦ 85K Free Night Award each year upon renewal ✦ $300 dining credit per membership year ($25/mo) ✦ Platinum Elite status ✦ 25 elite nights credit ✦ Priority Pass membership (Lounges only) with 2 guests ✦ Global Entry fee credit ✦ Free premium internet at Marriott properties Note: Enrollment required for some benefits. See also: Marriott Bonvoy Complete Guide |
IHG Free night certificate
The IHG Rewards Business credit card offers a free night certificate valid for a single night at a property costing up to 40K points (or it can be topped off with an unlimited number of points from your account) after $60K in purchases in a calendar year + 1 additional purchase. We value IHG free night certificates at $216 based on our formula detailed on this page. Keep in mind that you’ll also earn IHG One Rewards Diamond status after $40K in purchases + 1 additional purchase in a calendar year. If you intend to spend for Diamond status, it can be worth pushing onward to the free night certificate since the additional $20K spend (plus one additional purchase) will yield 60,000 IHG points (worth $378 according to our Reasonable Redemption Values) and the free night certificate. However, if you don’t value Diamond status enough to spend for that independent of the free night certificate, then it probably isn’t worth spending $60K on this card.
Best Airline Companion Certificates
American Airlines Companion Certificates
The Citi AAdvantage Platinum Select, the Citibusiness AAdvantage Platinum Select, and the Barclays Aviator Red & Silver cards each offer an additional big spend bonus in the form of a discount or companion certificate:
- Citi AAdvantage Platinum Select: $125 AA Flight Discount with $20K membership year spend
- Citibusiness AAdvantage Platinum Select: Earn $99 plus taxes domestic companion certificate after $30K spend
- Barclays AAdvantage Aviator Red: Earn $99 + tax domestic companion certificate with $20K membership year spend
- Barclays AAdvantage Aviator Silver*: Earn $99 + tax domestic companion certificate for two companions with $20K membership year spend.
*Note that the Aviator Silver card is only available by invitation as an upgrade from the Aviator Red card
Note that reports are mixed as to the difficulty involved in using these certificates, but nonetheless they could be valuable enough on their own to justify the spend. For those primarily seeking elite status through spend, these certificates could be a worthwhile additional bonus.
Here are the currently available American Airlines credit cards:
| Card Offer and Details |
|---|
75K miles ⓘ Non-Affiliate 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. FM Mini Review: This card usually has a great welcome bonus, but if you're looking for a card to keep long term, you'll find better options. Earning rate: ✦ 2X AA ✦ 2X certain telecommunications merchants ✦ 2X car rental merchants ✦ 2X gas Card Info: Mastercard World issued by Citi. This card has no foreign currency conversion fees. Big spend bonus: Earn $99 plus taxes domestic companion certificate after $30K spend Noteworthy perks: ✦ First checked bag free ✦ Priority Boarding ✦ Save 25% on inflight purchases |
70K Miles ⓘ Non-Affiliate 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] Earning rate: 2X AA ✦ 1X everywhere else Card Info: Mastercard World Elite issued by Barclays. This card has no foreign currency conversion fees. Big spend bonus: Earn $99 + tax domestic companion certificate with $20K membership year spend. Noteworthy perks: First checked bag free ✦ Preferred boarding for the primary cardmember and up to 4 companions traveling on the same reservation ✦ 25% off in-flight purchases ✦ $25 wifi credit per membership year ✦ Flight cents: round up purchases to earn more miles |
50K Miles ⓘ Non-Affiliate 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) 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.) Earning rate: 2X restaurants ✦ 2X gas ✦ 2X AA Card Info: Mastercard World Elite issued by Citi. This card has no foreign currency conversion fees. Big spend bonus: $125 AA Flight Discount with $20K membership year spend Noteworthy perks: ✦ First checked bag free ✦ Priority Boarding ✦ Save 25% on inflight food and beverage purchases |
75K miles ⓘ Non-Affiliate 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. 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. Earning rate: 4X AA ✦ 10X hotels booked through AA.com/Hotels ✦ 10X car rentals booked through AA.com/Cars ✦ 1X everywhere else Card Info: Mastercard World Elite issued by Citi. This card has no foreign currency conversion fees. Noteworthy perks: ✦ First Checked Bag Free ✦ Admirals Club® access for both primary and authorized users ✦ Up to $120 per 12 monthly billing cycles for GrubHub purchases (up to $10 per monthly billing cycle) ✦ Up to $120 back on eligible Avis or Budget prepaid car rentals every calendar year ✦ $10 monthly Lyft credit after you take 3 Lyft rides that calendar month ✦ 10K bonus Loyaty Points after earning 50K Loyalty points through all channels and another 10K bonus Loyalty Points after earning 90K Loyalty Points through all channels ✦ 25% savings on eligible in-flight purchases on American Airlines flights ✦ Up to $120 Global Entry or TSA PreCheck application fee credit every 4 years |
15K miles ⓘ Non-Affiliate Earn 15K AA miles after $500 spend in 3 monthsNo Annual Fee FM Mini Review: Not bad for grocery spend if you highly value AA miles Earning rate: 2X grocery ✦ 2X AA ✦ 1X everywhere else Card Info: Mastercard World Elite issued by Citi. This card imposes foreign transaction fees. Noteworthy perks: Save 25% on inflight food and beverage purchases |
Alaska Airlines Companion Certificate
Those who have the Alaska Airlines Visa Signature consumer card (US), the Visa Business card (US), as well as the World Elite and Platinum Plus MasterCard (Canada) can get one companion discount code each year. Most legacy cards get a free code after their anniversary date, but for cards approved after January 18, 2023, there is a requirement to spend $6,000 in a calendar year to receive a companion fare code at the anniversary date.
The Alaska Airlines companion fare code is valid for one-way or round-trip paid, published coach airfare on Alaska Airlines. With the Companion Fare, the companion pays a $99 base fare plus applicable taxes and fees (from $22).
Note that the cardholder must purchase the tickets, but the companion fare can be used to book travel for others (the cardholder does not need to travel to use the companion code).
See more detail in our Complete Guide to Airline Companion Tickets.
Here are the currently available Alaska Airlines credit cards:
| Card Offer and Details |
|---|
Up to 75K miles + Companion Fare ⓘ Non-Affiliate 70k miles + Companion Fare ($99 fare + taxes) after $3K spend in 90 days + additional 5K if you apply with an Alaska employee's name and id number.$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. FM Mini Review: Alaska miles are quite valuable so this offer is better than it appears Earning rate: 3X Alaska Airlines ✦ 2x gas, EV charging, local transit, rideshare, cable, and select streaming services purchases ✦ 1X elsewhere Card Info: Visa Signature issued by BOA. This card has no foreign currency conversion fees. Big spend bonus: $121 companion pass every year after $6K spend. Noteworthy perks: ✦ Free first checked bag for you and up to six other passengers on your reservation ✦ Priority Boarding ✦ 10% bonus on earned miles with eligible BOA account ✦ During 2024, earn 4K EQMs/$10K spend, up to a maximum of 20K EQMs. |
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] FM Mini Review: Alaska miles are quite valuable so this offer is better than it appears Earning rate: 3X Alaska Airlines ✦ 2x gas, EV charging, shipping and local transit ✦ 1X elsewhere Card Info: Visa issued by BOA. This card has no foreign currency conversion fees. Big spend bonus: $121 companion pass every year after $6K spend. Noteworthy perks: ✦ Free first checked bag for you and up to six other passengers on your reservation ✦ 10% bonus on earned miles with eligible BOA business account ✦ During 2024, earn 4K EQMs/$10K spend, up to a maximum of 20K EQMs. |
Southwest Airlines Companion Pass
The Southwest Airlines Companion Pass is a repeatable discount that allows the pass holder to bring a companion for only the cost of taxes every time the pass holder flies. When you earn 135,000 qualifying points in a calendar year you’ll earn a Companion Pass for the remainder of the correct year plus all of the next calendar year. Points earned from Southwest credit cards (including both welcome bonuses & spend) count as qualifying points. Once you get the companion pass, for the rest of that year and all of the next year you can add a companion for free (after TSA fees) to any Southwest flight that you’ve purchased with points or with cash.
If you hold any number of Southwest credit cards, you get a 10,000 point boost toward the Companion Pass qualifying points required; in other words, cardholders only need to earn 125,000 qualifying points in a calendar year to earn the Companion Pass.
We generally wouldn’t recommend spending $125,000 at 1x to earn the Companion Pass, but combining credit card spend with many other shortcuts to the Southwest Companion Pass can certainly be worthwhile. See more detail in our Southwest Airlines Companion Pass Complete Guide.
| Card Offer and Details |
|---|
40K points + $400 ⓘ Affiliate 40K points + a $400 statement credit after $3K spend in the first 4 months.$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). 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. Earning rate: 2X local transit and commuting, including rideshare ✦ 2X internet, cable, phone services, and select streaming ✦ 2X Southwest Card Info: Visa Signature or Platinum issued by Chase. This card imposes foreign transaction fees. Big spend bonus: If you earn 135,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year. Noteworthy perks: 3000 bonus points each year upon card renewal. 2 EarlyBird Check-Ins each year. 10,000 Companion Pass qualifying points each year |
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). Earning rate: 4X Southwest ✦ 3X Rapid Rewards(R) hotel and car partners ✦ 2X rideshare ✦ 2X social media and search engine advertising, internet, cable, and phone services ✦ 1X on all other purchases. Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: If you earn 135,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year ✦ Earn 1,500 TQPs for each $5K in purchases Noteworthy perks: 9000 bonus points each year upon card renewal ✦ 4 Upgraded Boardings per year when available ✦ Global Entry or TSA Pre✔ Fee Credit ✦ Up to 365 Inflight WiFi Credits ✦ 10,000 Companion Pass qualifying points each year. |
40K points + $400 ⓘ Friend-Referral 40K points + a $400 statement credit after $3K spend in the first 4 months.$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. FM Mini Review: The combination of 6,000 points plus 2 EarlyBird Checkins each year make this card a keeper for those who fly Southwest often. Earning rate: 3X Southwest ✦ 2X Rapid Rewards(R) hotel and car partners ✦ 2X local transit and rideshare ✦ 2X internet, cable, phone services, and select streaming ✦ 1X on all other purchases. Card Info: Visa Signature or Platinum issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: If you earn 135,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year ✦ Earn 1,500 TQPs for each $5K in purchases Noteworthy perks: 6000 bonus points each year upon card renewal. 2 EarlyBird Check-Ins each year. 10,000 Companion Pass qualifying points each year ✦ 25% back on in-flight drinks, Wi-Fi, messaging, and movies. |
40K points + $400 ⓘ Affiliate 40K points + a $400 statement credit after $3K spend in the first 4 months.$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. FM Mini Review: Great for frequent Southwest flyers - this card could easily be a long-term keeper. Earning rate: 3X Southwest ✦ 2X Rapid Rewards(R) hotel and car partners ✦ 2X local transit and rideshare ✦ 2X internet, cable, phone services, and select streaming ✦ 1X on all other purchases. Card Info: Visa Signature or Platinum issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: If you earn 135,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year ✦ Earn 1,500 TQPs for each $5K in purchases Noteworthy perks: ✦ 7,500 anniversary points each year ✦ $75 Southwest annual travel credit ✦ Four A1-15 boardings every year ✦ 25% back on in-flight drinks, Wi-Fi, messaging, and movies. ✦ 10,000 Companion Pass qualifying points each year |
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). Earning rate: 3X Southwest ✦ 2X Rapid Rewards(R) hotel and car partners ✦ 2X rideshare ✦ 1X on all other purchases. Card Info: Visa issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: If you earn 135,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year ✦ Earn 1,500 TQPs for each $5,000 spent in purchases annually. Noteworthy perks: 6000 bonus points each year upon card renewal. 2 EarlyBird Check-Ins each year. 10,000 Companion Pass qualifying points each year. |
More airline companion certificates
Several other airline credit cards offer the chance to spend toward companion certificates. These certificates certainly can be valuable in the right instance, though each has relatively niche use. Read more in our Complete Guide to Airline Companion Tickets.
Complete List of all Big Spend Bonuses
By default, the following table only shows the first 10 cards in our database, but you can click “Next”, search, or use the drop-down to increase the number of displayed cards. Search this table using keywords such as:
- Elite Status
- Bonus Points
- Companion (for companion tickets)
- Free Night
Also, limit results to your program of interest by searching for “Delta”, “Marriott”, “United”, “Virgin”, “Avios”, etc.
| Card Offer and Details |
|---|
$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 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. Earning rate: 2% everywhere ✦ 5% on hotels and rental cars booked via Capital One Travel Base: 2% Card Info: Visa issued by CapOne. This card has no foreign currency conversion fees. Big spend bonus: Spend at least $150,000 annually and get $150 annual fee refunded. Noteworthy perks: No foreign transaction fees ✦ No preset spending limit |
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. FM Mini Review: Best for those who stay often at Sonesta hotels Earning rate: 3X Sonesta ✦ 2X airfare, car rental and dining Card Info: Mastercard World issued by BOA. This card has no foreign currency conversion fees. Big spend bonus: 30K bonus points with $7.5K cardmember year spend Noteworthy perks: Instant upgrade to Sonesta Travel Pass Gold (free club access or continental breakfast plus other perks) |
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. 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. Earning rate: ✦ 14X Hilton spend ✦ 7X US restaurants, flights booked directly with airlines or amextravel.com, select car rental companies ✦ 3X on all other eligible purchases ✦ Terms & Limitations Apply. Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: Additional free night awards after $30K and $60K spend in calendar year Noteworthy perks: ✦Annual Free Night Reward every year upon renewal ✦ Free Diamond Status ✦ Up to $400 Hilton Resort Credit per calendar year ($200 semi-annually) ✦ $200 Flight Credit ($50 per quarter for purchases directly with airlines or via Amex Travel) ✦ $199 CLEAR (R) Plus fee credit per calendar year ✦ $100 on-property credit w/ Aspire Card package ✦ Terms Apply. See Rates & Fees See also: Amex Hilton Aspire In-Depth Review |
Up to 100K miles ⓘ Non-Affiliate 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 purchae; 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. See here for more detail and go here to confirm eligibility for the additional 50,000 miles.$0 introductory annual fee for the first year, then $99 Earning rate: 5X at FlyFrontier.com ✦ 3X restaurants Card Info: Mastercard World issued by Barclays. This card has no foreign currency conversion fees. Big spend bonus: $100 discount voucher after $2,500 in annual spend. Noteworthy perks: ✦ 2 free checked bags for primary cardholder only ✦ Priority boarding in Zone 2 ✦ MIles don't expire as long as account is open and in good standing. ✦ Earn 1 elite qualifying mile per dollar spent ✦ No award redemption fee when taxes/fees are paid for with the card. |
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 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. Earning rate: 2X Delta ✦ 2X U.S. purchases for advertising in select media and U.S. shipping purchases (capped at $50k per year) ✦ 2x restaurants worldwide and US takeout & delivery Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: $200 Delta flight credit after $10K in purchases in a calendar year Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ✦ Get up to $150 back per year as a statement credit for prepaid hotels or vacation rentals booked through Delta Stays on delta.com/stays ✦ Priority boarding, and first checked bag free on Delta flights. Terms and limitations apply. (Rates & Fees) |
80K Miles ⓘ Non-Affiliate 80K 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. 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. Earning rate: 2X restaurants and grocery ✦ 6X JetBlue ✦ 1X everywhere else Card Info: Mastercard World Elite issued by Barclays. This card has no foreign currency conversion fees. Big spend bonus: Earn 1 tile for every $1,000 in purchases. Noteworthy perks: ✦ Free checked bag ✦ 5000 bonus points every anniversary ✦ 10% point rebate on awards ✦ $100 statement credit w/ purchase of travel package ✦ 50% savings on in-flight purchases |
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. FM Mini Review: Decent perks such as enhanced access to United saver level economy awards makes this a keeper for some. Earning rate: 2X at restaurants including eligible delivery services , gas stations, and office supply stores ✦ 2X United ✦ 2X on local transit and commuting, including taxicabs, mass transit, tolls, and ride share services Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: $100 annual United travel credit after 7 United flight purchases greater than $100 ✦ Earn up to 1,000 PQPs per year: 25 PQPs per $500 spend Noteworthy perks: ✦ Improved economy saver award availability ✦ Unlocks complimentary elite upgrades on award tickets ✦ Free first checked bag ✦ Priority boarding ✦ No foreign exchange fees ✦ 2 United Club passes per year at anniversary ✦ Free DashPass for one year (must activate by 12/31/27) ✦ Primary auto rental collision damage waiver ✦ 5,000 bonus miles at anniversary when you have this card and also a personal Chase United credit card. ✦ 25% back as a statement credit on United in-flight and Club Premium drink purchases |
75K miles ⓘ Non-Affiliate 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. FM Mini Review: This card usually has a great welcome bonus, but if you're looking for a card to keep long term, you'll find better options. Earning rate: ✦ 2X AA ✦ 2X certain telecommunications merchants ✦ 2X car rental merchants ✦ 2X gas Card Info: Mastercard World issued by Citi. This card has no foreign currency conversion fees. Big spend bonus: Earn $99 plus taxes domestic companion certificate after $30K spend Noteworthy perks: ✦ First checked bag free ✦ Priority Boarding ✦ Save 25% on inflight purchases |
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). FM Mini Review: Great card for regular or frequent Air Canada flyers Earning rate: 3X Air Canada ✦ 3X grocery stores ✦ 3X dining ✦ 500 bonus points with each $2K calendar month spend, up to $6K spend per month (1,500 points max) ✦ 1X everywhere else Card Info: Mastercard World Elite issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: Renew 25K status w/ $15K spend ✦ Status Boost w/ $50K spend ✦ Priority Reward w/ $100K, $250K, $500K, or $750K spend ✦ Free award companion for rest of calendar year and all of next with $1Million spend Noteworthy perks: Discounted award pricing ✦ Free checked bag ✦ $100 credit for NEXUS, Global Entry or TSA PreCheck every 4 years ✦ Carbon offsets on Air Canada awards ✦ Pay Yourself Back for travel at 1.25 cents per point, up to 50K points per year ✦ 10% bonus when transferring Ultimate Rewards to Aeroplan (25K max bonus/year) |
100K Avios ⓘ Non-Affiliate 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 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. Earning rate: 3X British Airways. Iberia, Aer Lingus, and LEVEL ✦ 2X hotel accommodations booked directly with the hotel ✦ 1X elsewhere Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: Every calendar year you make $30,000 in purchases on your British Airways Visa card, you’ll earn a Travel Together companion Ticket good for two years. Noteworthy perks: Up to $600 per year in award fee rebates ✦ 10% off BA flights originating in the US. ✦ No foreign transaction fees |
100K Avios ⓘ Non-Affiliate 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 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. Earning rate: 3X British Airways. Iberia, Aer Lingus, and LEVEL ✦ 2X hotel accommodations booked directly with the hotel ✦ 1X elsewhere Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: Every calendar year you make $30,000 in purchases on your Iberia Visa card, you’ll earn a discount voucher good for $1,000 to use toward two tickets on the same flight Noteworthy perks: 10% off on Iberia flights when you use your Iberia Visa to purchase at iberia.com/Chase10 ✦ No foreign transaction fees |
100K Avios ⓘ Non-Affiliate 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 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. Earning rate: 3X British Airways. Iberia, Aer Lingus, and LEVEL ✦ 2X hotel accommodations booked directly with the hotel ✦ 1X elsewhere Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: Every calendar year you make $30,000 in purchases on your Aer Lingus Visa card, you’ll earn an economy class companion ticket good for 1 year. Noteworthy perks: Priority Boarding on Aer Lingus flights departing from and returning to the US from Ireland ✦ No foreign transaction fees. |
40K points + $400 ⓘ Affiliate 40K points + a $400 statement credit after $3K spend in the first 4 months.$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). 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. Earning rate: 2X local transit and commuting, including rideshare ✦ 2X internet, cable, phone services, and select streaming ✦ 2X Southwest Card Info: Visa Signature or Platinum issued by Chase. This card imposes foreign transaction fees. Big spend bonus: If you earn 135,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year. Noteworthy perks: 3000 bonus points each year upon card renewal. 2 EarlyBird Check-Ins each year. 10,000 Companion Pass qualifying points each year |
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). Earning rate: 4X Southwest ✦ 3X Rapid Rewards(R) hotel and car partners ✦ 2X rideshare ✦ 2X social media and search engine advertising, internet, cable, and phone services ✦ 1X on all other purchases. Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: If you earn 135,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year ✦ Earn 1,500 TQPs for each $5K in purchases Noteworthy perks: 9000 bonus points each year upon card renewal ✦ 4 Upgraded Boardings per year when available ✦ Global Entry or TSA Pre✔ Fee Credit ✦ Up to 365 Inflight WiFi Credits ✦ 10,000 Companion Pass qualifying points each year. |
80K points ⓘ Non-Affiliate 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] 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. Earning rate: ✦ 5X points for flights booked directly with airlines or with American Express Travel ✦ 5X prepaid hotels booked with American Express Travel Card Info: Amex Pay Over Time Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: $500 after $100K cardmember year spend Noteworthy perks: This card includes all of the great perks that come with the American Express Platinum Card, plus: ✦ 1 Free Authorized User ✦ Redeem points for 1 cent each into your Morgage Stanley account ✦ $695 Annual Engagement Bonus for Platinum CashPlus accounts See also: Amex Platinum Guide |
40K points + $400 ⓘ Friend-Referral 40K points + a $400 statement credit after $3K spend in the first 4 months.$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. FM Mini Review: The combination of 6,000 points plus 2 EarlyBird Checkins each year make this card a keeper for those who fly Southwest often. Earning rate: 3X Southwest ✦ 2X Rapid Rewards(R) hotel and car partners ✦ 2X local transit and rideshare ✦ 2X internet, cable, phone services, and select streaming ✦ 1X on all other purchases. Card Info: Visa Signature or Platinum issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: If you earn 135,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year ✦ Earn 1,500 TQPs for each $5K in purchases Noteworthy perks: 6000 bonus points each year upon card renewal. 2 EarlyBird Check-Ins each year. 10,000 Companion Pass qualifying points each year ✦ 25% back on in-flight drinks, Wi-Fi, messaging, and movies. |
70K Miles ⓘ Non-Affiliate 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] Earning rate: 2X AA ✦ 1X everywhere else Card Info: Mastercard World Elite issued by Barclays. This card has no foreign currency conversion fees. Big spend bonus: Earn $99 + tax domestic companion certificate with $20K membership year spend. Noteworthy perks: First checked bag free ✦ Preferred boarding for the primary cardmember and up to 4 companions traveling on the same reservation ✦ 25% off in-flight purchases ✦ $25 wifi credit per membership year ✦ Flight cents: round up purchases to earn more miles |
Up to 75K miles + Companion Fare ⓘ Non-Affiliate 70k miles + Companion Fare ($99 fare + taxes) after $3K spend in 90 days + additional 5K if you apply with an Alaska employee's name and id number.$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. FM Mini Review: Alaska miles are quite valuable so this offer is better than it appears Earning rate: 3X Alaska Airlines ✦ 2x gas, EV charging, local transit, rideshare, cable, and select streaming services purchases ✦ 1X elsewhere Card Info: Visa Signature issued by BOA. This card has no foreign currency conversion fees. Big spend bonus: $121 companion pass every year after $6K spend. Noteworthy perks: ✦ Free first checked bag for you and up to six other passengers on your reservation ✦ Priority Boarding ✦ 10% bonus on earned miles with eligible BOA account ✦ During 2024, earn 4K EQMs/$10K spend, up to a maximum of 20K EQMs. |
40K points + $400 ⓘ Affiliate 40K points + a $400 statement credit after $3K spend in the first 4 months.$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. FM Mini Review: Great for frequent Southwest flyers - this card could easily be a long-term keeper. Earning rate: 3X Southwest ✦ 2X Rapid Rewards(R) hotel and car partners ✦ 2X local transit and rideshare ✦ 2X internet, cable, phone services, and select streaming ✦ 1X on all other purchases. Card Info: Visa Signature or Platinum issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: If you earn 135,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year ✦ Earn 1,500 TQPs for each $5K in purchases Noteworthy perks: ✦ 7,500 anniversary points each year ✦ $75 Southwest annual travel credit ✦ Four A1-15 boardings every year ✦ 25% back on in-flight drinks, Wi-Fi, messaging, and movies. ✦ 10,000 Companion Pass qualifying points each year |
60K points ⓘ Affiliate 60K after $5,000 spend in 3 months.$199 Annual Fee This card is subject to Chase's 5/24 rule. FM Mini Review: Great for its initial bonus and for Hyatt enthusiasts to spend toward status and rebate on award stays. Earning rate: 2X on fitness clubs and gym memberships ✦ 2X in the top 3 spend categories each calendar quarter. Eligible categories include dining; airline tickets purchased directly with the airline; car rental agencies; local transit and commuting; gas stations; internet, cable and phone services; social media and search engine advertising; and shipping ✦ 4X Hyatt and Mr & Mrs Smith Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: Get 5 elite qualifying night credits every time you spend $10,000 in purchases. ✦ After $50K spend in a calendar year, get 10% back on redeemed points for the rest of that calendar year (Up to 20K points back per year). Noteworthy perks: Discoverist elite status ✦ Ability to gift Discoverist to up to 5 employees (they do not need to be cardholders) ✦ Up to $100 each cardmember year in Hyatt statement credits: Spend $50 or more at any Hyatt property and get a $50 statement credit up to two times per year ✦ Hyatt Leverage membership with no minimum stay requirements. |
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. Earning rate: 3X Spirit ✦ 2X dining & grocery ✦ 1X everywhere else Card Info: Mastercard World Elite issued by BOA. This card has no foreign currency conversion fees. Big spend bonus: ✦ $100 Companion Flight Voucher EACH anniversary after making at least $5,000 in purchases within the prior year Earn ✦ 1 SQP (towards elite status) for each $10 of spend Noteworthy perks: Waived redemption fees ✦ Points Pooling ✦ 25% in-flight food & beverage rebate ✦ No points expiration ✦ No foreign transaction fees ✦ Zone 2 priority boarding |
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. 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. Earning rate: ✦ 12X Hilton spend ✦ 6X U.S. restaurants, US Supermarkets, and US gas stations ✦ 4X U.S. Online Retail Purchases ✦ 3X on all other eligible purchases Base: 3X (1.44%) Dine: 6X (2.88%) Gas: 6X (2.88%) Grocery: 6X (2.88%) Shop: 4X (1.92%) Brand: 12X (5.76%) Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: ✦ Free night award after $15K spend in calendar year ✦ Diamond elite status with $40K calendar year spend ✦ Terms apply Noteworthy perks: Free Gold status. Diamond status w/ $40K spend. ✦ Up to $200 in Hilton credits ($50 per quarter) ✦ Terms Apply. (Rates & Fees) |
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) Earning rate: 10X IHG ✦ 5X travel, dining, and gas stations ✦ 3X on all other purchases Card Info: Mastercard World Elite issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: 10K bonus points + $100 statement credit after you spend $20K in a calendar year + make one additional purchase ✦ Diamond status after $40K in purchases + one additional purchase in a calendar year Noteworthy perks: Anniversary free night e-certificate good at IHG properties up to 40K points per night ✦ Ability to add an unlimited number of points to a free night certificate to book a higher-level hotel ✦ Fourth night free on award stays ✦ 20% discount on points purchases ✦ Platinum elite status ✦ Up to $50 in United TravelBank cash per year (must register your card with your United account) |
Limited Time Offer: 60k miles ⓘ Affiliate 60K miles after $3K spend in 3 months (Offer Expires 1/29/2025)$0 introductory annual fee for the first year, then $95 This card is subject to Chase's 5/24 rule (click here for details). Recent better offer: Expired 8/11/22: 70K after $3K spend FM Mini Review: Decent perks such as enhanced access to United saver level economy awards makes this a keeper for some. Earning rate: 2X United ✦ 2X restaurants ✦ 2X on hotel stays Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: Earn up to 1,000 PQPs per calendar year: 25 PQPs per $500 spend Noteworthy perks: ✦ Improved economy saver award availability ✦ Free first checked bag for primary cardholder and one travel companion when you pay with the card ✦ Unlocks complimentary elite upgrades on award tickets ✦ Priority boarding ✦ No foreign exchange fees ✦ 2 United Club passes per year on you anniversary ✦ One year of complimentary Dash Pass (Must activate by 12/31/27) ✦ Primary auto rental collision damage waiver ✦ Up to $120 Global Entry,TSA Pre-check or Nexus credit ✦ 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Explorer Card |
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) Earning rate: 10X IHG ✦ 5X travel, gas stations, restaurants and dining, social media and search engine advertising, office supply stores ✦ 3X on all other purchases Card Info: Mastercard World Elite issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: 10K bonus points + $100 statement credit after you spend $20K in a cardmember year + make one additional purchase. ✦ Diamond status after $40K in purchases + one additional purchase in a calendar year ✦ Free night certificate (up to 40K points) after $60K in purchases + one additional purchase in a calendar year Noteworthy perks: Anniversary free night e-certificate good at IHG properties up to 40K points per night ✦ Ability to add an unlimited number of points to a free night certificate to book a higher-level hotel ✦ Fourth night free on award stays ✦ 20% discount on points purchases ✦ Platinum elite status ✦ Up to $50 in United TravelBank cash per year (must register your card with your United account) |
Limited Time Offer: 70K Miles + 500 PQPs ⓘ Affiliate 70K miles and 500 PQPs after $4K spend in the first 3 months (Offer Expires 1/29/2025)$250 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Earning rate: 3X United ✦ 2X restaurants including eligible delivery services ✦ 2X on all other travel ✦ 2X select streaming Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: Earn up to 6,000 PQPs per calendar year: 25 PQPs per $500 spend Noteworthy perks: Up to $125 in statement credits for United purchases each cardmember year - terms apply ✦ Two 5K award flight rebates per cardmember year ✦ First and second checked bag free for cardholder and one companion when you purchase your tickets with the card and include your Mileage Plus number ✦ Up to $120 Global Entry, TSA PreCheck or Nexus reimbursement ✦ 25% back on United inflight or Club Premium drink purchases |
175K Points ⓘ Affiliate 175K after $8K spend in first 6 months. Terms apply. (Rates & Fees) (Offer Expires 1/8/2025)$195 Annual Fee Recent better offer: None FM Mini Review: Easy way to secure Hilton Gold status (which offers free breakfast among other perks). Amex business cards do not count towards 5/24 status so will not hurt chances of applying for Chase cards. Earning rate: ✦ 12X Hilton spend ✦ 5X on other eligible purchases (on the first $100K in purchases per calendar year, 3X thereafter). Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: Diamond elite status with $40K calendar year spend Noteworthy perks: ✦ Complimentary Hilton Honors Gold status. Diamond status w/ $40K spend. ✦ Up to $240 in annual credits for Hilton purchases (Up to $60 per quarter) ✦ Complimentary National Car Rental(R) Emerald Club Executive(R) status (enroll through the link on your American Express online account) ✦ Terms Apply. (Rates & Fees) |
3x 50K Free Night Certificates ⓘ Non-Affiliate Earn 3x 50K free night certificates after spending $3,000 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) Earning rate: ✦ 6X Marriott Bonvoy ✦ 3X gas stations, grocery stores, and dining on up to $6K in combined purchases each year ✦ 2X everywhere else Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: Earn Gold status when you spend $35K each year ✦ 1 Elite Night Credit towards elite status for every $5K spent Noteworthy perks: ✦ Annual free night certificate for 1 night at a hotel redemption level up to 35K ✦ Automatic Silver status ✦ 15 nights of elite credit each year ✦ 1 Elite Night Credit for every $5K spent See also: Marriott Bonvoy Complete Guide |
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). Earning rate: 3X Southwest ✦ 2X Rapid Rewards(R) hotel and car partners ✦ 2X rideshare ✦ 1X on all other purchases. Card Info: Visa issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: If you earn 135,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year ✦ Earn 1,500 TQPs for each $5,000 spent in purchases annually. Noteworthy perks: 6000 bonus points each year upon card renewal. 2 EarlyBird Check-Ins each year. 10,000 Companion Pass qualifying points each year. |
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 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. Earning rate: ✦ 2X restaurants and office supply stores ✦ 6X JetBlue ✦ 1X everywhere else Card Info: Mastercard issued by Barclays. This card has no foreign currency conversion fees. Big spend bonus: Earn 1 tile for every $1,000 in purchases. Noteworthy perks: ✦ Free checked bag ✦ Group A boarding ✦ 5000 bonus points every anniversary ✦ 10% point rebate on awards ✦ $100 statement credit w/ purchase of travel package ✦ 50% savings on in-flight purchases |
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) Earning rate: 6x at Marriott Bonvoy properties ✦ 4x at restaurants worldwide, U.S. gas stations, wireless telephone services purchased from U.S. suppliers and on U.S. purchases for shipping ✦ 2x on all other eligible purchases. Terms Apply. (Rates & Fees) Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: Earn an additional 35k free night certificate (can be topped-up with up to 15k additional points, subject to resort fees) after you spend $60K on purchases in a calendar year Noteworthy perks: Complimentary Marriott Gold elite status ✦ 15 Elite Night Credits each calendar year ✦ 35k Free Night Award every year after card renewal (subject to resort fees) ✦ Complimentary premium Internet access at Marriott properties ✦ Terms Apply (Rates & Fees) See also: Marriott Bonvoy Complete Guide |
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) FM Mini Review: Great card for welcome bonus and annual free night. Might be worth using regularly for additional free night and as a path to status. Earning rate: ✦ 2X restaurants / cafes / coffee shops, airlines, local transit, fitness clubs and gym memberships ✦ 4X Hyatt and Mr & Mrs Smith Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: One free Cat 1-4 night certificate after $15K spend in a calendar year. ✦ Get 2 elite qualifying night credits every time you spend $5K in purchases Noteworthy perks: ✦ Free category 1-4 night every year upon renewal ✦ Additional free category 1-4 night after $15K spend in calendar year ✦ Discoverist elite status ✦ 5 elite qualifying nights |
50K Miles ⓘ Non-Affiliate 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) 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.) Earning rate: 2X restaurants ✦ 2X gas ✦ 2X AA Card Info: Mastercard World Elite issued by Citi. This card has no foreign currency conversion fees. Big spend bonus: $125 AA Flight Discount with $20K membership year spend Noteworthy perks: ✦ First checked bag free ✦ Priority Boarding ✦ Save 25% on inflight food and beverage purchases |
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 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. Earning rate: 2X Delta ✦ 2x restaurants worldwide ✦ 2x US supermarkets Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: $200 Delta flight credit after $10K in purchases in a calendar year Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ✦ Get up to $100 back per year as a statement credit for prepaid hotels or vacation rentals booked through Delta Stays on delta.com/stays ✦ Priority boarding and first checked bag free on Delta flights. Terms and limitations apply. (Rates & Fees) |
Limited Time Offer: 90K Miles ⓘ Affiliate 90k miles after $5k spend in first 3 months (Offer Expires 1/29/2025)$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 FM Mini Review: While pricey, the Chase United Club Infinite Card is a great choice for those who want a United club membership and other perks like a 10% discount on saver awards. . Earning rate: ✦ 4X United ✦ 2X dining & travel Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: Earn up to 10,000 PQPs per calendar year: 25 PQPs per $500 spend Noteworthy perks: ✦ United Club membership ✦ Unlocks complimentary elite upgrades on award tickets, including companions on the same reservation ✦ 10% discount on saver level economy awards within the continental US and Canada ✦ Up to $120 for Global Entry, TSA Precheck or Nexus fee credit ✦ Priority check-in, security screening, baggage handling, and boarding ✦ Free 1st and 2nd checked bags ✦ Hertz President's Circle Elite Status ✦ Primary auto rental collision damage waiver |
50K miles + 60XP ⓘ Non-Affiliate 50K miles after $2K 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 giving 45k miles + a $100 statement credit Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 70K miles + 40 XP after $3K in the first 90 days + 60 XP upon approval (expired 12/15/24) 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 Earning rate: 3X on Air France, KLM, and SkyTeam purchases ✦ 1.5X everywhere else Card Info: Mastercard World Elite issued by BOA. This card has no foreign currency conversion fees. Big spend bonus: 5K after anniversary when you spend $50 or more the previous year ✦ 40XP points towards status after anniversary when you spend $15K or more the previous year Noteworthy perks: 20 Experience Points every year; Miles don't expire as long as you make a purchase once every 2 years. |
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] FM Mini Review: Alaska miles are quite valuable so this offer is better than it appears Earning rate: 3X Alaska Airlines ✦ 2x gas, EV charging, shipping and local transit ✦ 1X elsewhere Card Info: Visa issued by BOA. This card has no foreign currency conversion fees. Big spend bonus: $121 companion pass every year after $6K spend. Noteworthy perks: ✦ Free first checked bag for you and up to six other passengers on your reservation ✦ 10% bonus on earned miles with eligible BOA business account ✦ During 2024, earn 4K EQMs/$10K spend, up to a maximum of 20K EQMs. |
Up to 60K Avios 30K Avios after first transaction, then an additional 30K 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. FM Mini Review: The reward fee rebate can make this card worth keeping if you'll be booking award flights with Qatar Avios Earning rate: 4x Qatar purchases ✦ 2x dining ✦ 1x everywhere else Card Info: Visa Signature issued by FEB. This card has no foreign currency conversion fees. Big spend bonus: Receive 2 Qpoints for every 2,000 Avios earned ✦ Reward fee rebates when award booking taxes & fees paid with card (you must spend $15K in the first card year and $25k in subsequent years to unlock this benefit) Noteworthy perks: Complimentary Qatar Silver/oneworld Ruby status for one year |
50k Miles ⓘ Non-Affiliate 50k miles after spending $4,000 within the first 90 days$99 Annual Fee Recent better offer: Expired 9/11/22: 80K + $99 statement credit after $2K spend in first 90 days Earning rate: 3X Hawaiian Airlines ✦ 2x gas, dining, and office supply stores ✦ 1x everywhere else Card Info: Mastercard World Elite issued by Barclays. This card has no foreign currency conversion fees. Big spend bonus: Earn up to 40,000 annual bonus miles — 20k miles with $50-$99k annual spend or 40k miles with $100k or more annual spend; Noteworthy perks: One-time 50% off a companion discount on roundtrip coach travel between Hawaii and North America on Hawaiian Airlines |
50K miles + 10K status miles ⓘ Non-Affiliate Earn 50K bonus miles + 10K status miles after $2.5K in first 90 days (Offer Expires 1/9/2025)$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. 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. Earning rate: 3x TAP Air Portugal purchases ✦ 3x hotels, car rentals, & rideshare ✦ 1x everywhere else Card Info: American Express issued by FEB. This card has no foreign currency conversion fees. Big spend bonus: Earn 1 status mile for every 5 miles earned from spend up to 10,000 status miles from 50,000 miles earned from spend (excludes miles earned from the welcome bonus). Noteworthy perks: Preferred boarding ✦ 2 lounge passes per year to TAP lounge at Lisbon Airport ✦ Free extra checked bag twice per year ✦ 1 status mile per 5 miles earned from spend up to 10K status miles per annual qualification period |
80K Points ⓘ Affiliate 80K points after $2K spend in 3 monthsNo Annual Fee Recent better offer: 120K after $2K spend (expired 7/4/22) FM Mini Review: A good no annual fee card for anyone who values the 4th night free benefit. Earning rate: ✦ 5X IHG ✦ 3x dining, gas stations utilities, cable, Internet, phone, and select streaming services ✦ 2X everywhere else Card Info: Mastercard World issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: 10K bonus points after $10K in purchases and one additional purchase each calendar year ✦ Gold status after $20K in purchases and one additional purchase each calendar year. Noteworthy perks: Fourth night free on award stays ✦ 20% discount on points purchases ✦ No foreign transaction fees |
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. 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. Earning rate: ✦ 7X Hilton eligible Hilton purchases ✦ 5X US restaurants, US Supermarkets, and US gas stations ✦ 3X on all other eligible purchases Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: Gold elite status with $20K calendar year spend Noteworthy perks: ✦ Free Silver status; Gold status with $20K spend. ✦ Terms Apply. (Rates & Fees) |
60K miles ⓘ Non-Affiliate 60K miles after $5K spend in 90 days$450 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: This is a very weak offer considering the hefty annual fee. Earning rate: 3X miles on Korean Air, 2x on Other Airlines, Car Rental, Hotels and Dining Card Info: Visa Signature issued by USB. This card has no foreign currency conversion fees. Big spend bonus: 10K miles on anniversary with $35K in purchases, 5K miles on anniversary with $15K in purchases Noteworthy perks: 5% off Korean Air flights (cardholder+companion) 2X/calendar year ✦ 2 Korean Air VIP Lounge coupons each year ✦ $120 Global Entry / TSA Pre-Check credit ✦ Discount coupon for $100 off Korean Air ticket ✦ Two $25 coupons for Korean Air in-flight duty free purchases |
45K Points ⓘ Non-Affiliate 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 FM Mini Review: Sign up for the bonus. Keep for the 10% award discount. Earning rate: ✦ 5X Wyndham & gas ✦ 2X restaurants & grocery ✦ 1X everywhere else Card Info: Visa Signature or Platinum issued by Barclays. This card has no foreign currency conversion fees. Big spend bonus: 7,500 points each anniversary year after $15K spend Noteworthy perks: Gold status ✦ 10% discount on free night awards ✦ Cardmember discount on paid stays ✦ No foreign transaction fees |
20K points ⓘ Non-Affiliate 20K points after $1K 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 Earning rate: ✦ 3X Amtrak ✦ 2X qualifying travel, dining, transit, and rideshare ✦ 1X elsewhere Card Info: Mastercard World issued by FNBO. This card has no foreign currency conversion fees. Big spend bonus: Earn 1,000 Tier Qualifying Points towards elite status for each $5K spent in a calendar year. Limit 4,000 TQPs per year. Noteworthy perks: ✦ 5% Amtrak Guest Rewards point rebate on redemptions ✦ Complimentary companion coupon ✦ One-Class Upgrade and a single-day ClubAcela pass each year. ✦ 20% rebate for onboard food & beverage purchases as a statement credit See also: Amtrak Guest Rewards credit card review |
70K miles ⓘ Affiliate 70K after $6K spend in first 6 months. Terms and limitations apply. (Rates & Fees)$350 Annual Fee FM Mini Review: Good choice for frequent Delta flyers who can make use of annual companion certificate Earning rate: 3X Delta ✦ 3X purchases made directly with hotels ✦ 1.5X on transit, eligible U.S. shipping, and purchases of $5K or more (up to $100K per year) Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: Earn 1 Medallion Qualifying Dollar (MQD) per $20 spent Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ✦ Annual $2,500 MQD Headstart ✦ Domestic, Caribbean, or Central American economy companion certificate (subject to taxes & fees) each year upon card renewal ✦ Earn up to $200 as a statement credit each year after booking prepaid hotels or vacation rentals with your Card through Delta Stays on delta.com/stays ✦ Up to $10 per month in statement credits on eligible purchases with U.S. Resy restaurants ✦ Up to $10 per month in statement credits for purchases with select rideshare service providers [enrollment required] ✦ Priority boarding ✦ First checked bag free on Delta flights ✦ Complimentary Upgrade list: get added to the complimentary upgrade list after Delta elite members and Reserve cardmembers✦ Terms and Limitations Apply. (Rates & Fees) |
40K Points ⓘ Non-Affiliate 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. 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. Earning rate: 3X Virgin Atlantic, Virgin Hotels and Virgin Voyages ✦ 2X dining, at grocery stores, on select streaming services and for EV charging ✦ 1X everywhere else Card Info: Mastercard Signature issued by Synchrony. This card has no foreign currency conversion fees. Big spend bonus: Spend $15k in a calendar year to choose one or $30k to choose two of: voucher for companion seat or cabin upgrade; one free night or suite upgrade at Virgin Hotels up to $300 Bar Tab credit or Blue Extras perks package on Virgin Voyages Noteworthy perks: 25 Tier Points for each $2,500 in eligible purchases (max 50 Tier Points per month) ✦ 3rd night free at participating Virgin Hotel once/year ✦ 5,000 point yearly anniversary bonus |
80K points ⓘ Non-Affiliate 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. 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 Earning rate: 10X Best Western ✦ 4X gas and grocery ✦ 2X everywhere else Card Info: Visa Signature issued by First Bank & Trust. This card has no foreign currency conversion fees. Big spend bonus: Free night award after $10K spend in cardmember year Noteworthy perks: Anniversary free night award ✦ Complimentary Platinum elite status |
60K miles ⓘ Affiliate 60K miles after $3K spend in 6 months. Terms apply. (Rates & Fees)$350 Annual Fee FM Mini Review: Good choice for frequent Delta flyers who can make use of annual companion certificate Earning rate: 3X Delta ✦ 3X purchases made directly with hotels ✦ 2X restaurants ✦ 2X US Supermarkets Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: Earn 1 Medallion Qualifying Dollar (MQD) per $20 spent Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ✦ Annual $2,500 MQD Headstart ✦ US, Caribbean, or Central American economy companion certificate (subject to taxes & fees) each year upon card renewal ✦ Earn up to $150 as a statement credit each year after booking prepaid hotels or vacation rentals with your Card through Delta Stays on delta.com/stays ✦ Up to $10 per month in statement credits for purchases with select rideshare service providers [enrollment required] ✦ Up to $10 per month in statement credits on eligible purchases with U.S. Resy restaurants [enrollment required] ✦ Priority boarding ✦ First checked bag free on Delta flights ✦ Complimentary Upgrade list: get added to the complimentary upgrade list after Delta elite members and Reserve cardmembers ✦ Cell phone protection ✦ Terms and Limitations Apply. (Rates & Fees) |
85K Points ⓘ Friend-Referral 85K points after $4K spend in 3 months$250 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Earning rate: 6X Marriott.✦ 4X restaurants & grocery on up to $15K spend per year ✦ 2X everywhere else Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: One 50K Free Night Award after $15K calendar year spend. Noteworthy perks: 15 night credit towards elite status every year upon account anniversary ✦ 1,000 bonus points with each qualifying stay ✦ Gold elite status See also: Marriott Bonvoy Complete Guide |
Up to 80K Avios + 150 Qpoints ⓘ Non-Affiliate 40K Avios after first transaction, then an additional 40K 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. 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 Earning rate: 5x Qatar purchases ✦ 3x dining ✦ 1x everywhere else Card Info: Vsa Infinite issued by FEB. This card has no foreign currency conversion fees. Big spend bonus: Receive 2 Qpoints for every 1,500 Avios earned ✦ Reward fee rebates when award booking taxes & fees paid with card (you must spend $15K in the first card year and $25k in subsequent years to unlock this benefit) Noteworthy perks: Complimentary Qatar Gold/oneworld Sapphire status for one year (includes access to domestic AA Admirals Clubs and Alaska Lounges) ✦ Global Entry/TSA Precheck credit ✦ Travel accident insurance ✦ Trip cancellation reimbursement ✦ Trip delay reimbursement |
40K Points ⓘ Non-Affiliate 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. 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. Earning rate: 5X on Breeze Airways Nicer and Nicest Bundles & Trip Add-ons ✦ 2X on Breeze Airlines Nice Bundles ✦ 2X grocery ✦ 2X restaurants ✦ 1X everywhere else (including Breeze flights) Base: 1% Dine: 2% Grocery: 2% Card Info: Visa issued by Barclays. This card has no foreign currency conversion fees. Big spend bonus: One-way bundle upgrade with every $15K in purchases Noteworthy perks: 7,500 BreezePoints after every account anniversary with $10K in cardmember year purchases ✦ Priority Boarding ✦ Complimentary Inflight WiFi |
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. Earning rate: 6X Marriott.✦ 4X restaurants & U.S. Supermarkets on up to $15K spend per year ✦ 2X on all other eligible purchases Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: One 50K Free Night Award after $15K calendar year spend on eligible purchases. Noteworthy perks: 15 night credit towards elite status every year upon account anniversary ✦ 1,000 bonus points with each qualifying stay ✦ Gold elite status See also: Marriott Bonvoy Complete Guide |
40K points ⓘ Non-Affiliate 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. FM Mini Review: Not much to see here. If you're a Best Western loyalist, the Premium card is probably worth the annual fee. Earning rate: 4X Best Western ✦ 2X everywhere else Card Info: Visa Signature issued by First Bank & Trust. This card has no foreign currency conversion fees. Big spend bonus: 10,000 bonus points after $5K spend in cardmember year Noteworthy perks: Complimentary Gold elite status |
$350 back ⓘ Non-Affiliate $350 cash back as a statement credit after $3K in the first 6 months. Terms Apply. (Rates & Fees)$95 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Solid cash back option, especially for those who spend a lot at US Supermarkets and US gas stations Earning rate: ✦ 6% cash back as a statement credit at US supermarkets up to $6,000 per year in purchases (then 1%) ✦ 6% Cash Back as a statement credit on select U.S. streaming subscriptions. ✦ 3% Cash Back as a statement credit on transit (includes taxis/rideshare, parking, tolls, trains, buses and more). 3% cash back US gas stations ✦ 1% cash back on other purchases ✦ Terms apply. Base: 1% Travel: 3% Gas: 3% Grocery: 6% Shop: 3% Other: 6% Card Info: Amex Credit Card issued by Amex. This card imposes foreign transaction fees. Big spend bonus: $100 after $15K card membership year spend Noteworthy perks: Terms Apply. (Rates & Fees) |
$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. FM Mini Review: Decent low-spend welcome bonus on a card that could be a keeper given uncapped 2% rewards on a business card. Annual big spend bonus sweetens the deal. Earning rate: 2% everywhere Base: 2% Card Info: Visa issued by FNBO. This card imposes foreign transaction fees. Big spend bonus: Earn 10,000 Bonus Points every Anniversary with $10,000 annual spend |
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. FM Mini Review: Decent ultra-premium option for Marriott fans, especially those aiming for lifetime status tiers Earning rate: 3X airfare -on flights booked directly with airlines; 3X restaurants worldwide, 6X Marriott; 2X on all other eligible purchases Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: Annual Choice Award with $60K calendar year spend Noteworthy perks: ✦ 85K Free Night Award each year upon renewal ✦ $300 dining credit per membership year ($25/mo) ✦ Platinum Elite status ✦ 25 elite nights credit ✦ Priority Pass membership (Lounges only) with 2 guests ✦ Global Entry fee credit ✦ Free premium internet at Marriott properties Note: Enrollment required for some benefits. See also: Marriott Bonvoy Complete Guide |
30K Miles + 1 Year Silver status ⓘ Non-Affiliate 30K after $3K spend in 90 days$99 Annual Fee Earning rate: 3X Emirates ✦ 2X airfare, hotel, and car rentals ✦ 1X everywhere else Card Info: Mastercard World Elite issued by Barclays. This card has no foreign currency conversion fees. Big spend bonus: Maintain Emirates Skywards Silver status with $20K spend per membership year (Silver status offers cardmember lounge access to Emirates Business Class lounges in Dubai only) Noteworthy perks: 25% discount when buying miles ✦ No foreign transaction fees |
80K miles ⓘ Affiliate 80k after $10K spend in first 6 months. Terms apply. (Rates & Fees)$650 Annual Fee FM Mini Review: Excellent choice for frequent Delta flyers who can make use of SkyClub access and companion certificate. Also a good choice for big spenders seeking Delta elite status. Earning rate: 3X Delta ✦ 1.5X on eligible transit, U.S. shipping & office supply store purchases Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: Earn 1 Medallion Qualifying Dollar (MQD) per $10 spent Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ✦ Domestic, Caribbean, or Central American economy or first class companion certificate (subject to taxes & fees) after card renewal ✦ SkyClub access (starting 2/1/25, 15 visits per year (after 15 visits have been used, additional visits can be purchased for $50 each) or earn unlimited visits after spending $75K/calendar year on the card ✦ 4 Delta SkyClub one-time guest passes ✦ Centurion Lounge access when you book your Delta flight with your Reserve card ✦ Earn up to $250 as a statement credit each year after booking prepaid hotels or vacation rentals with your Card through Delta Stays on delta.com/stays ✦ Up to $20 per month in statement credits on eligible purchases with U.S. Resy restaurants ✦ Up to $10 per month in statement credits for purchases with select rideshare service providers [enrollment required] ✦ Complimentary upgrades ✦ $120 Global Entry fee credit every 4 years (or 4.5 years for TSA Precheck) ✦ Priority boarding ✦ First checked bag free on Delta flights. ✦ Hertz President's Circle Status ✦ Terms and limitations apply. (Rates & Fees) See also: Delta Reserve complete guide |
25K points ⓘ Non-Affiliate 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. FM Mini Review: Outside of the (very) modest welcome offer, not much to see here. Earning rate: 3X on Sun Country purchases ✦ 2X Gas and Grocery ✦ 1X elsewhere Card Info: Visa Signature issued by FNBO. This card has no foreign currency conversion fees. Big spend bonus: 10K bonus points when you spend at least $10,000 during each 12 billing cycle period Noteworthy perks: 1 free premium drink per night ✦ 50% off seat selection and first bag ✦ Priority boarding |
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. FM Mini Review: While pricey, the Chase United MileagePlus® Club Business Card is a great choice for those who want a United club membership Earning rate: ✦ 2X United ✦ 1.5X everywhere else Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: Earn up to 1,000 PQPs per calendar year: 25 PQPs per $500 spend Noteworthy perks: United Club membership ✦ Unlocks complimentary elite upgrades on award tickets ✦ Priority check-in, security screening, baggage handling, and boarding ✦ Get one year of complimentary Dash Pass (Must activate by 12/31/27) ✦ Free 1st and 2nd checked bags ✦ Primary auto rental collision damage waiver ✦ Hertz Gold Plus Rewards® President's Circle® |
70K Miles ⓘ Affiliate Earn 70K miles after $5K spend in first 6 months. Terms apply. (Rates & Fees)$650 Annual Fee FM Mini Review: Excellent choice for frequent Delta flyers who can make use of SkyClub access and companion certificate. Also a good choice for big spenders seeking Delta elite status. Earning rate: 3X Delta Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: Earn 1 Medallion Qualifying Dollar (MQD) per $10 spent Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ✦ Annual $2,500 MQD Headstart ✦ US, Caribbean, Mexico or Central America roundtrip main cabin companion certificate (subject to taxes & fees) after card renewal ✦ SkyClub access (starting 2/1/25, 15 visits per year (after 15 visits have been used, additional visits can be purchased for $50 each) or to earn an unlimited number of visits each year starting on 2/1/25, spend $75K or more on eligible purchases between 1/1/24 and 12/31/24, and each calendar year thereafter. ✦ 4 Delta SkyClub one-time guest passes ✦ Centurion Lounge access when flying Delta ✦ Earn up to $200 as a statement credit each year after booking prepaid hotels or vacation rentals with your Card through Delta Stays on delta.com/stays ✦ Up to $20 per month in statement credits on eligible purchases with U.S. Resy restaurants [enrollment required] ✦ Up to $10 per month in statement credits for purchases with select rideshare service providers [enrollment required] ✦ Complimentary upgrades ✦ One statement credit every 4 years for the $120 Global Entry application fee or one statement credit every 4.5 years for the $85 TSA Precheck application fee ✦ Priority boarding ✦ First checked bag free on Delta flights. ✦ Hertz President's Circle Status ✦ Terms and limitations apply. (Rates & Fees) See also: Delta Reserve complete guide |
10K miles ⓘ Non-Affiliate 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. FM Mini Review: Not bad for a fee-free airline card. Earning rate: ✦ 2X restaurants and grocery ✦ 3X JetBlue ✦ 1X everywhere else✦ Card Info: Mastercard World issued by Barclays. This card has no foreign currency conversion fees. Big spend bonus: Earn 1 tile for every $1,000 in purchases. Noteworthy perks: 50% savings on eligible inflight purchases including cocktails, food and movies. |
10K Points ⓘ Non-Affiliate 10K after $500 spend in 90 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Earning rate: 2X Spirit Card Info: Mastercard World issued by BOA. This card has no foreign currency conversion fees. Big spend bonus: ✦ 5K bonus miles each anniversary when you spend $10K within prior year Noteworthy perks: Points Pooling ✦ 25% in-flight food & beverage rebate ✦ No points expiration ✦ No foreign transaction fees ✦ Zone 2 priority boarding |
None ⓘ Non-Affiliate No bonus at this time.$400 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: This card's value is hobbled by an inferior Priority Pass membership (as of 1/1/20). Earning rate: ✦ 3X airline, hotel, taxi, limousine, rental car, train bus, restaurant, fast food and takeout food and dining purchases ✦ 1X everywhere else Card Info: Visa Infinite issued by CNB. This card has no foreign currency conversion fees. Big spend bonus: Get reimbursed up to $550 for airline lounge club membership after $50K calendar year spend. Noteworthy perks: Up to $350 a year in statement credits for airline incidental fees (as of 1/1/20) ✦ 12 Gogo In-Flight Wifi passes per card ✦ $100 Global Entry fee reimbursement ✦ Priority Pass lounge membership for 2 cardholders (guests are not free as of 1/1/20) |
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 FM Mini Review: Decent no-fee card thanks to its 2X category bonuses, but you do need to have a Morgan Stanley account to apply. Earning rate: ✦ 2X U.S. Restaurants ✦ 2X select U.S. Department Stores ✦ 2X Car Rentals Purchased Directly from Select Car Rental Companies ✦ 2X Airfare Purchased Directly from Airlines Card Info: Amex Credit Card issued by Amex. This card imposes foreign transaction fees. Big spend bonus: $100 after $25K card membership year spend Noteworthy perks: Invest with rewards (1 point = 1 cent) |
Free DashPass ⓘ Non-Affiliate Receive 12 months of DashPass for free upon approvalNo 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. FM Mini Review: Could be worth considering for folks who spend a lot on DoorDash and restaurants. Earning rate: ✦ 4% back on DoorDash and Caviar orders ✦ 3% back on dining ✦ 2% back at grocery stores ✦ 1% everywhere else Base: 1% Dine: 3% Grocery: 2% Brand: 4% Card Info: Mastercard World Elite issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: 12 months of free Dash Pass after $10,000 in purchases within a cardmember year. Noteworthy perks: 10% off first order each month (up to $15 per order) on convenience, grocery, alcohol, retail or dashMart ( through 12/31/24) ✦ $5 off one order each month (through 9/30/24) ✦ Trip protection ✦ Purchase protection |
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. FM Mini Review: We no longer recommend this card now that it does not offer a path towards unlimited 3x rewards. Earning rate: X1 offers "Boosts" of additional point earnings for various categories of spend, for specific merchants, and for certain thresholds of spend. You must enroll in these boosts to earn more points. Additionally, earn 3x for all spend between $1000 and $7,500 each calendar month Base: 2X (2%) Card Info: Visa Signature issued by Coastal. This card has no foreign currency conversion fees. Big spend bonus: Earn 3x for all spend between $1000 and $7,500 each calendar month Noteworthy perks: Higher credit limit than most cards ✦ Virtual card numbers ✦ 90 day purchase protection against theft or damage ✦ Up to 1 year extended warranty ✦ $250 return protection ✦ cell phone protection ($500 max, $50 deductible) ✦ trip protection ✦ car rental coverage |
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. FM Mini Review: This can be a good choice for a signup bonus, but other cards are more rewarding for spend. Earning rate: ✦ 2X cell phone ✦ 2X charity ✦ 2X gas, office supply, or airline purchases (whichever is most each month). Base: 1X (0.71%) Travel: 2X (1.42%) Gas: 2X (1.42%) Phone: 2X (1.42%) Office: 2X (1.42%) Other: 2X (1.42%) Card Info: Visa Business issued by USB. This card has no foreign currency conversion fees. Big spend bonus: $55 credit with $24K spend per cardmember year Noteworthy perks: $25 airline fee credit when points are redeemed for flights |
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. FM Mini Review: This is a decent choice for uncapped 3% rewards at grocery stores. Otherwise this card is not exciting. Earning rate: 2X charity and then 2X in one of the following: cell phone providers, gas, grocery, or airline purchases (whichever category you spend most on each month). Base: 1X (0.71%) Travel: 2X (1.42%) Gas: 2X (1.42%) Grocery: 2X (1.42%) Phone: 2X (1.42%) Other: 2X (1.42%) Card Info: Visa Signature issued by USB. This card has no foreign currency conversion fees. Big spend bonus: 3,500 bonus points with $24K spend per cardmember year Noteworthy perks: $25 airline fee credit when points are redeemed for round-trip flights ✦ No foreign transaction fees |
None This card is no longer availableNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Earning rate: 3% back at gas stations, office supply stores, and cell phone/service providers ✦ 1% back everywhere else ✦ Note: purchases of gaoline greater than $200 will not be deemed to be a purchase of automotive gasoline and will therefore earn only 1%. Base: 1% Gas: 3% Phone: 3% Office: 3% Card Info: Visa Signature issued by USB. This card imposes foreign transaction fees. Big spend bonus: Annual bonus of 25% of your prior year's cash rewards, up to $250, will post after your anniversary date. Noteworthy perks: 25% annual bonus based on your pior year's cash rewards, up to $250. 0% APR on purchases and balance transfers for the first 12 billing cycles, then a variable APR |
None This card is no longer availableNo Annual Fee Earning rate: 5X gas, grocery, drugstore for 6 months Base: 1X (1.5%) Card Info: Visa Signature issued by Wells. This card has no foreign currency conversion fees. Big spend bonus: With $50K spend, points become worth 1.75 cents each towards airfare Noteworthy perks: Points worth 1.5 cents each towards airfare` Points worth 1 cent each for most other redemption See also: A card I wrongly ignored |
15K points 15K after $1K spend in 3 monthsNo Annual Fee Earning rate: 3X Expedia purchases Card Info: Mastercard World issued by Citi. This card has no foreign currency conversion fees. Big spend bonus: One elite night towards Gold status for each $2.5K in spend each year Noteworthy perks: Free Expedia+ Silver status |
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. Earning rate: 6X Marriott ✦ 2X on all other eligible purchases Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: Marriott Gold Elite with $30K annual spend (note this threshold will increase to $35K on January 1, 2019) Noteworthy perks: 1 Free Night Award every year after your Card account anniversary up to 35K points (subject to resort fees) ✦ Receive free premium internet at Marriott properties. See also: Marriott Bonvoy Complete Guide |
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. Earning rate: ✦ 3X Virgin Atlantic ✦ 1X elsewhere Card Info: Mastercard World Elite issued by BOA. This card has no foreign currency conversion fees. Big spend bonus: 2,500 bonus points with $5K cardmember year spend + an additional 5,000 points with $15K cardmember year spend; |
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. FM Mini Review: Spirit awards start as low as 2500 miles one-way off peak, but miles expire with 3 months of inactivity. Earning rate: 2X everywhere Base: 2X (2.4%) Card Info: Mastercard World issued by BOA. This card has no foreign currency conversion fees. Big spend bonus: ✦ 5K bonus miles when you spend $10K annually and pay your annual fee Noteworthy perks: Zone 2 priority boarding |
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. Earning rate: ✦ 2X airline, car rental, & restaurants ✦ 5X Marriott. Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: 1 credit towards elite status for every $3,000 in purchases Noteworthy perks: ✦ 15 night credit towards elite status every year upon account anniversary ✦ Free category 1-5 certificate each year upon renewal |
None ⓘ Non-Affiliate 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. Earning rate: 10X at Best Western properties ✦ 2X elsewhere Card Info: Mastercard World issued by FNBO. This card has no foreign currency conversion fees. Big spend bonus: 40K bonus points when you spend at least $5,000 during each 12 billing cycle period Noteworthy perks: ✦ 10% off Flexible Rate Stays ✦ Platinum Elite Status (get a free welcome snack) |
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. Earning rate: ✦ 2X AA, office supply, telecommunications services, and at car rental agencies ✦ 1X everywhere else Card Info: Mastercard issued by Barclays. This card has no foreign currency conversion fees. Big spend bonus: $99 companion certificate with $30K account year spend Noteworthy perks: ✦ First checked bag free ✦ Preferred boarding ✦ 5% bonus on miles earned the previous year after AF is paid ✦ 25% statement credit on in-flight purchases |
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. FM Mini Review: Excellent choice for those who shop often online (thanks to 3X earnings) Earning rate: ✦ 3 points per $1 on products and services that are purchased directly from AT&T ✦ 3 points per $1 on all purchases at online retail and travel sites ✦ 1 point per $1 on all other purchases Card Info: Mastercard World Elite issued by Citi. This card has no foreign currency conversion fees. Big spend bonus: 10,000 anniversary bonus points after $10,000 in annual spending See also: Citi ThankYou Rewards Complete Guide |
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Earning rate: 3X Virgin Atlantic ✦ 1.5X everywhere else Card Info: Mastercard World Elite issued by BOA. This card has no foreign currency conversion fees. Big spend bonus: Companion award ticket with $25K annual spend ✦ 7,500 bonus points with $15K cardmember year spend + an additional 7,500 points with $25K cardmember year spend ✦ 25 tier points towards elite status per $2,500 spend (max 50 tier points per month). |
40K Miles + 1 Year Gold status ⓘ Non-Affiliate 40K after $3K spend in 90 days$499 Annual Fee Earning rate: 3X Emirates ✦ 2X airfare, hotel, and car rentals ✦ 1X everywhere else Card Info: Mastercard World Elite issued by Barclays. This card has no foreign currency conversion fees. Big spend bonus: 10K bonus miles with $30K spend per membership year ✦ Maintain Emirates Skywards Gold status with $40K spend per membership year (Gold status offers cardmember and guest lounge access to Emirates Business Class lounges worldwide) Noteworthy perks: Priority Pass Select ✦ Global Entry Fee Credit ✦ 25% discount when buying miles ✦ No foreign transaction fees |
25K points 25K after $2K spend in 3 months$95 Annual Fee Earning rate: 4X Expedia purchases ✦ 2x restaurants & entertainment Card Info: Mastercard World issued by Citi. This card has no foreign currency conversion fees. Big spend bonus: 5K anniversary bonus with $10K annual spend Noteworthy perks: ✦ $100 annual air travel fee credit ✦ Expedia+ Gold status |
This card is no longer available for new applications $150 Annual Fee This card is no longer available for new applications. FM Mini Review: This card is best for earning JAL miles, which can be very valuable. If you spend exactly $15K or $25K per year, you can earn an effective 1.76 Japan Airlines miles per dollar or 2.14 miles per dollar with other transfer partners. Points can alternatively be redeemed for 1 cent each towards travel. Earning rate: 2X Miles on all purchases Base: 2X (2%) Card Info: Mastercard World Elite issued by Barclays. This card has no foreign currency conversion fees. Big spend bonus: 15K bonus miles after $15K spend; 10K additional bonus miles after additional $10K spend Noteworthy perks: ✦ Chip wth PIN capability ✦ $100 Global Entry credit once every 5 years ✦ Lounge Key access (pay $27 per lounge visit) ✦ Transfer to most airline partners 1.4 Arrival to 1 airline mile (or 1.7 Arrival to 1 Japan Airlines or Air Canada Aeroplan mile). |
Available by invitation only $195 Annual Fee FM Mini Review: $25 per day of in-flight food & beverage credits is pretty interesting. If you fly AA enough to make good use of this, this card is well worthwhile. Earning rate: ✦ 3X AA ✦ 2X hotel and car rentals ✦ 1X everywhere else Card Info: Mastercard World Elite issued by Barclays. This card has no foreign currency conversion fees. Big spend bonus: Earn $99 + tax domestic companion certificate for up to 2 companions with $20K membership year spend. ✦ Earn up to 15,000 bonus Loyalty Points per status qualification period: Earn 5K bonus points at $20K spend, $40K spend, and $50K spend Noteworthy perks: $25 per day in-flight food & beverage credit ✦ First checked bag free ✦ Priority Boarding ✦ $120 Global Entry application fee credit ✦ 25% off in-flight purchases ✦ $50 wifi credit per membership year ✦ Round up purchases to earn more miles |
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. 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) Earning rate: 3x for air travel and hotel stays, 2x for eligible business expenses (office supplies, business cable/internet, shipping, business phone and advertising), 1X everywhere else Card Info: Visa Infinite issued by UBS. This card has no foreign currency conversion fees. Big spend bonus: Up to $500 credit towards airport club day pass or annual airport club membership after $50K calendar year spend. Noteworthy perks: Priority Pass Select ✦ $350 annual airline fee credit for selected domestic airline ✦ $100 towards Global Entry or TSA Pre√ ✦ Primary rental car coverage for business rentals ✦ Travel accident insurance, emergency medical evacuation coverage, delayed & lost luggage, trip delay, trip interuption, trip cancellation ✦ Price protection, event ticket protection, return protection, extended warranty, purchase protection ✦ No foreign transaction fees |
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 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) Earning rate: 3x for commercial air travel, 2x for gas and groceries, and 1X everywhere else Card Info: Visa Infinite issued by UBS. This card has no foreign currency conversion fees. Big spend bonus: Up to $500 credit towards airport club day pass or annual airport club membership after $50K calendar year spend. Noteworthy perks: Priority Pass Select ✦ $250 annual airline fee credit for selected domestic airline ✦ 12 Gogo inflight wifi passes ✦ $100 towards Global Entry or TSA Pre√ ✦ Primary car rental collision and theft insurance coverage ✦ Travel accident insurance, emergency medical evacuation coverage, lost luggage, trip delay, trip cancellation ✦ No foreign transaction fees |
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. FM Mini Review: While the card is pricey, the annual free night, plus $300 in ariline fee credits, plus other perks make this card a keeper. Earning rate: ✦ 6X Ritz & Marriott.✦ 3X airline tickets purchased directly with the airline, at car rental agencies and at restaurants ✦ 2X everywhere else Card Info: Visa Infinite issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: $75K spend per calendar year for Platinum elite status Noteworthy perks: ✦ Annual 85K hotel certificate upon renewal ✦ 3 club level upgrades. $100 hotel credit for each 2 night or longer stay ✦ Priority Pass Select with unlimited guests ✦ Access Sapphire Lounges for yourself and unlimited guests for free ✦ $300 annual credit for airline incidentals ✦ Automatic Gold Status See also: Marriott Bonvoy Complete Guide |
Want to learn more about miles and points? Subscribe to email updates or check out our podcast on your favorite podcast platform.
What about spend bonuses that are not for hotel/airline benefits? Eg ones that are for points, cash or other benefits?
Got an example?
Hilton Business no longer offer a free night certificate after spending, maybe that requires an update too
Thanks for the reminder. Fixed it.
This list is huge no was hoping for 1-5 cards to use for big tax payments
The Delta portion should be updated since MQMs have gone away!
Fixed that. Thank you
Great list! But what are actually the best ones? There are over 80 here. Choosing the winners would make for a great podcast episode!
Agreed, hard to tell from this list
agreed
The Hilton Business card no longer has the free night for 15K
It does until June 30th
Ah yes that’s right and you even mentioned that (what I get for quick browsing)
*The Hilton Honors Aspire card offers a free night award that can be used at almost any Hilton property in the world after $30K in purchases in a calendar year and another free night certificate after $60K in purchases in a calendar year.* You get a free night just for having the card each year, too, right?
Yes
As Greg says, yes — but I’ll add that the reason that isn’t mentioned here is because this post is specifically about big spend bonuses, so it focuses on the additional benefits of these cards based on spend.
Great article.
Alaska cards now offer EQMS with spend (“Throughout 2024, for every $10,000 you spend on purchases, you’ll automatically earn 4,000 EQMs (up to 20,000 EQMs total))”
I think the part above “It’s possible to earn top tier status this way, but you won’t qualify for Loyalty Choice Rewards (such as upgrade certificates) unless you also complete 30 or more qualifying flight segments during the elite membership year” about AA is incorrect unless I’m misunderstanding it. I have gotten the loyalty bonuses without flying much but getting loyalty points in other ways.
Greg, another note. A big spend bonus of the Brilliant card is a second 85k FNC.
Greg, it might be worth noting a two-player-mode trick for Delta status. MQMs earned from spend on the personal Reserve and business Reserve (but not the Platinums) can be gifted from one player to the other. Of course, dollar spend for the MQD waiver does not transfer between players. But, if “rollover minutes” continue . . .
@Greg, didn’t IHG stripped the breakfast/lounge access after a few months after the launch of their revamped/renamed program? You don’t even get lounge access when using pts on a Lounge floor/room. Back to Square One. What a useless program, thanks IHG!!
If memory serves, that was just a misunderstanding caused by incorrectly written terms & conditions.
Thanks @Greg for the correction! I guess I’ll stick with IHG, since I’m Diamond. I guess my spend has some value then. Thanks!
Can you still earn Diamond status for IHG via Credit Card spend? I thought they took that away. Thanks!
@sam, no, you can still earn it via $40k spend on the card. It should the Premier card though.
Would have been more helpful with the Elite tier amounts needed also included.
Thanks. Good suggestion for the next update