Best Big Spend Bonuses

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Note: American Express is a Frequent Miler advertiser, but we always show the best public offer even when we don't earn a commission. Please see our Advertiser Disclosure.

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

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
Up to 45K: 30K after $3K spend plus 1 extra point per dollar for non-bonused spend, up to $15K spend in 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.
FM Mini Review: Great card for signup 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
Base: 1X (2.1%)
Travel: 2X (4.2%)
Dine: 2X (4.2%)
Brand: 4X (8.4%)
Card Info: Visa Signature issued by Chase. This card has no foreign transaction 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 in the top 3 spend categories each calendar quarter through 12/31/24 (then the top 2 categories after that). 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
Base: 1X (2.1%)
Brand: 4X (8.4%)
Card Info: Visa Signature issued by Chase. This card has no foreign transaction 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.

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
140K points after $3K spend in 3 months
$99 Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
Recent better offer: 175K after $3K in spend (expired 4/6/23)
Earning rate: 10X IHG ✦ 5X travel, dining, and gas stations ✦ 3X on all other purchases
Base: 3X (1.89%)
Travel: 5X (3.15%)
Dine: 5X (3.15%)
Gas: 5X (3.15%)
Brand: 10X (6.3%)
Card Info: Mastercard World Elite issued by Chase. This card has no foreign transaction 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) ✦ $10 monthly GoPuff credit (through 12/31/23)
140K points ⓘ Affiliate
140K points $3K spend in 3 months
$99 Annual Fee
This card is expected to be subject to Chase's 5/24 rule (click here for details).
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
Base: 3X (1.89%)
Travel: 5X (3.15%)
Dine: 5X (3.15%)
Gas: 5X (3.15%)
Office: 5X (3.15%)
Brand: 10X (6.3%)
Card Info: Mastercard World Elite issued by Chase. This card has no foreign transaction 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) ✦ $10 monthly GoPuff credit (through 12/31/23)

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: 150K points after $6K in the first 6 months and 50K points after 6 eligible paid nights at Bonvoy hotels [Expired 8/9/23]
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
Base: 2X (1.6%)
Travel: 3X (2.4%)
Dine: 3X (2.4%)
Brand: 6X (4.8%)
Card Info: Amex Credit Card issued by Amex. This card has no foreign transaction 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.
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
Base: 2X (1.6%)
Travel: 3X (2.4%)
Dine: 3X (2.4%)
Brand: 6X (4.8%)
Card Type: Visa Infinite
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 ✦ $300 annual credit for airline incidentals ✦ Automatic Gold Status ✦ $10 monthly GoPuff credit (through 12/31/23)

Hilton Honors Diamond Status

Earn a free night with $15K spend and top tier Diamond status with $40K calendar year spend on either of the Hilton cards shown below.  Note that another great option for getting Diamond status is simply to have the Hilton Aspire card which costs $450 per year but offers automatic Diamond status, up to $500 per year in rebates, an annual free night certificate, and more.

Card Offer and Details
170K after $3K spend in 6 months. Terms apply.
$150 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 130K + free night certificate after $2K spend in 3 months [Expired 7/19/23]
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 transaction 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.
130K Points ⓘ Affiliate
130K after $3K spend in 3 months. Terms apply.
$95 Annual Fee
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 ✦ 6X on Select Business & Travel Purchases (flights booked directly with airlines or Amex Travel; car rentals booked directly from select car rental companies; US restaurants; US gas stations; wireless telephone services purchased directly from US service provider; US shipping purchases) ✦ 3X on all other eligible purchases
Base: 3X (1.44%)
Travel: 6X (2.88%)
Dine: 6X (2.88%)
Gas: 6X (2.88%)
Phone: 6X (2.88%)
Biz: 6X (2.88%)
Brand: 12X (5.76%)
Other: 6X (2.88%)
Card Info: Amex Credit Card issued by Amex. This card has no foreign transaction fees.
Big spend bonus:
Free night award after $15K spend in calendar year and another after $60K spend

Diamond elite status with $40K calendar year spend
Noteworthy perks: ✦ Free Gold status. Diamond status w/ $40K spend. ✦ 10 free Priority Pass lounge visits per calendar year ✦ Terms Apply. (Rates & Fees)

Best airline elite status with spend

Delta Medallion Elite Status

Delta makes it possible to earn high level status through credit card spend alone. They offer four separate cards that, together, make it possible to earn up to 160,000 Medallion Qualifying Miles per year. If you were thinking of booking extra flights just to get or keep status, consider using one or more of these cards to “mileage run from home” instead.

Card Offer and Details
60k miles ⓘ Affiliate
60k after $3k spend in first 3 months. Terms and limitations apply. (Rates & Fees)
$250 Annual Fee
Recent better offer: 95K after $4K in first 3 months [Expired 3-29-23]
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 purchases of $5K or more (max 50K extra miles per year)
Base: 1X (1.3%)
Travel: 3X (3.9%)
Brand: 3X (3.9%)
Other: 1.5X (1.95%)
Card Info: Amex Credit Card issued by Amex. This card has no foreign transaction fees.
Big spend bonus: Spend $25,000 in purchases on the Card in a calendar year and earn 10,000 Medallion(R) Qualification Miles (MQMs); spend a total of $50,000 in eligible purchases on the Card in a calendar year and earn an additional 10,000 MQMs (ends 1/1/24) ✦ Medallion Qualifying Dollar waiver up to Platinum status with $25K spend across one or more Delta cards or $250K spend for Diamond status (ends 1/1/24) ✦ Terms and limitations apply.
Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ✦ Domestic economy companion certificate (subject to taxes & fees) each year upon card renewal ✦ Priority boarding ✦ First checked bag free on Delta flights ✦ Terms and Limitations Apply. (Rates & Fees)
50K miles ⓘ Affiliate
50K miles after $3K spend in 6 months. Terms apply. (Rates & Fees)
$250 Annual Fee
Recent better offer: 85K after $4K spending in first 6 months [Expired 8/2/23]
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
Base: 1X (1.3%)
Travel: 3X (3.9%)
Dine: 2X (2.6%)
Grocery: 2X (2.6%)
Brand: 3X (3.9%)
Card Info: Amex Credit Card issued by Amex. This card has no foreign transaction fees.
Big spend bonus: Spend $25,000 in purchases on the Card in a calendar year and earn 10,000 Medallion(R) Qualification Miles (MQMs); spend a total of $50,000 in eligible purchases on the Card in a calendar year and earn an additional 10,000 MQMs (ends 1/1/24) ✦ Medallion Qualifying Dollar waiver up to Platinum status with $25K spend across one or more Delta cards or $250K spend for Diamond status (ends 1/1/24) ✦ Terms and limitations apply.
spend across one or more Delta cards (or $250K spend for Diamond status) ✦ Terms apply.
Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ✦ Domestic economy companion certificate (subject to taxes & fees) each year upon card renewal ✦ Priority boarding ✦ First checked bag free on Delta flights ✦ Terms and Limitations Apply. (Rates & Fees)
70k miles ⓘ Affiliate
70k after $5k spend in first 3 months. Terms apply. (Rates & Fees)
$550 Annual Fee
Recent better offer: Expired 8/2/23: 100K after spending $6K in first 3 months
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 all eligible purchases per calendar year after spending $150K
Base: 1X (1.3%)
Brand: 3X (3.9%)
Other: 1.5X (1.95%)
Card Info: Amex Credit Card issued by Amex. This card has no foreign transaction fees.
Big spend bonus: Earn 15K MQMs (towards elite status) after $30K spend up to four times per year (ends 1/1/24) ✦ Medallion Qualifying Dollar waiver up to Platinum status with $25K spend across one or more Delta cards or $250K spend for Diamond status (ends 1/1/24) ✦ After you spend $150K in a calendar year, earn 1.5X miles per dollar on eligible purchases for the rest of the year (excludes Delta purchases after you meet the $150K requirement) ✦ Terms and limitations apply.
Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ✦ Domestic 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 starting from 1/1/24 to 12/31/24 ✦ 2 Delta SkyClub one-time guest passes ✦ Centurion Lounge access when you book your Delta flight with your Reserve card ✦ Complimentary upgrades ✦ $100 Global Entry fee credit every 4 years (or 4.5 years for TSA Precheck) ✦ Priority boarding ✦ First checked bag free on Delta flights. Terms and limitations apply. (Rates & Fees)
60K Miles ⓘ Affiliate
60K miles after $5K spend in first 6
months. Terms apply. (Rates & Fees)
$550 Annual Fee
Recent better offer: Expired 8/2/23: 85K after spending $6K in first 6 months
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
Base: 1X (1.3%)
Brand: 3X (3.9%)
Card Info: Amex Credit Card issued by Amex. This card has no foreign transaction fees.
Big spend bonus: Earn 15,000 Medallion Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card in a calendar year, up to four times per year (ends 1/1/24) ✦ Complimentary upgrades ✦  $100 Global Entry fee credit every 4 years (or 4.5 years for TSA Precheck) ✦ Medallion Qualifying Dollar waiver (up to Platinum status) with $25K (ends 1/1/24)
spend across one or more Delta cards (or $250K spend for Diamond status) ✦ Terms apply.
Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ✦ Domestic 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 starting from 1/1/24 to 12/31/24 ✦ 2 Delta SkyClub one-time guest passes ✦ Centurion Lounge access when flying Delta ✦ Complimentary upgrades ✦ One statement credit every 4 years for the $100 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. Terms and limitations apply. (Rates & Fees)

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
100K points ⓘ Affiliate
Up to 100K points: 75K points after $4K spend in the first 3 months + 25K after $20K in the 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
Base: 1X (1.3%)
Dine: 3X (3.9%)
Grocery: 3X (3.9%)
Brand: 3X (3.9%)
Card Info: Mastercard World Elite issued by Chase. This card has no foreign transaction 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 (this is true even when the card offers 2 redeemable miles per dollar or more).  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.  For more, see: AA’s Loyalty Point Pursuit game: Earn status w/out flying.

Here are the currently available AA cards:

Card Offer and Details
75K after $6K spend in first 6 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.
FM Mini Review: This card usually has a great signup 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
Base: 1X (1.3%)
Travel: 2X (2.6%)
Gas: 2X (2.6%)
Phone: 2X (2.6%)
Brand: 2X (2.6%)
Card Info: Mastercard World issued by Citi. This card has no foreign transaction 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
60K miles after $3,000 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.
FM Mini Review: Excellent choice for a great signup 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
Base: 1X (1.3%)
Dine: 2X (2.6%)
Gas: 2X (2.6%)
Brand: 2X (2.6%)
Card Info: Mastercard World Elite issued by Citi. This card has no foreign transaction 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
60k miles after 1st purchase & paying annual fee within 90 days
$99 Annual Fee
Earning rate: 2X AA ✦ 1X everywhere else
Base: 1X (1.3%)
Brand: 2X (2.6%)
Card Info: Mastercard World Elite issued by Barclays. This card has no foreign transaction 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
70K miles ⓘ Affiliate
70K miles after $7,000 spend in first 3 months
$595 Annual Fee
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
Base: 1X (1.3%)
Brand: 4X (5.2%)
Other: 10X (13%)
Card Info: Mastercard World Elite issued by Citi. This card has no foreign transaction fees.
Noteworthy perks: ✦ First Checked Bag Free ✦ Admirals Club® access for both primary and authorized users ✦ Up to $120 in statement credits per calendar year for car rentals booked directly with Avis or Budget ✦ Up to $120 per 12 monthly billing cycles for GrubHub purchases (up to $10 per monthly billing cycle) ✦ $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 $100 Global Entry or TSA PreCheck application fee credit
10K miles + $50 ⓘ Non-Affiliate
Earn 10K AA miles + $50 statement credit after $500 spend in 3 months
No 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
Base: 1X (1.3%)
Grocery: 2X (2.6%)
Brand: 2X (2.6%)
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

With $50,000 spend on either of these cards, you’ll earn JetBlue Mosaic status. Mosaic status gives you (among other perks): no change or cancellation fees, and free inflight beverages including cocktails, wine, and beer.  Plus, with either card, you’ll get an automatic 10% rebate on JetBlue award bookings.

Card Offer and Details
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
Base: 1X (1.33%)
Dine: 2X (2.66%)
Office: 2X (2.66%)
Brand: 6X (7.98%)
Card Info: Mastercard issued by Barclays. This card has no foreign transaction 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
50K miles after $1K in spend in 90 days and payment of annual fee
$99 Annual Fee
Recent better offer: Expired 9/22: 80K after $1K spend in 90 days
FM Mini Review: Frequent JetBlue travelers should seriously consider this card for its terrific perks. The combination of the 10% rebate on awards and the annual 5,000 point bonus make this card a keeper.
Earning rate: 2X restaurants and grocery ✦ 6X JetBlue ✦ 1X everywhere else
Base: 1X (1.33%)
Dine: 2X (2.66%)
Grocery: 2X (2.66%)
Brand: 6X (7.98%)
Card Info: Mastercard World Elite issued by Barclays. This card has no foreign transaction 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

Southwest Companion Pass

Southwest Airline’s Companion Pass is arguably the single best ongoing travel deal around.  When you earn 125,000 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.

Card Offer and Details
75K points ⓘ Affiliate
75K points after $3K spend in the first 3 months. Offer ends 12/11/23.
$69 Annual Fee
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
Base: 1X (1.4%)
Travel: 2X (2.8%)
Phone: 2X (2.8%)
Brand: 2X (2.8%)
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 ✦ $10 monthly GoPuff credit (through 12/31/23)
75K points ⓘ Affiliate
75K points after $3K spend in the first 3 months. Offer ends 12/11/23.
$99 Annual Fee
This card is known to be subject to Chase's 5/24 rule.
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.
Base: 1X (1.4%)
Travel: 2X (2.8%)
Brand: 3X (4.2%)
Card Info: Visa Signature or Platinum issued by Chase. This card has no 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 ✦ Earn 1,500 TQPs for each $10K 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 ✦ $10 monthly GoPuff credit (through 12/31/23)
60K points ⓘ Affiliate
60K points after $3K spend in first 3 months
$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.
Base: 1X (1.4%)
Travel: 2X (2.8%)
Brand: 3X (4.2%)
Card Info: Visa issued by Chase. This card has no 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 ✦ Earn 1,500 TQPs for each $10K 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.

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
Nonee
Card is currently not available to new applicants.
$90 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: 3X Virgin Atlantic ✦ 1.5X everywhere else
Base: 1.5X (1.95%)
Brand: 3X (3.9%)
Card Info: Mastercard World Elite issued by BOA. This card has no foreign transaction 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).

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
180K Points + free night certificate ⓘ Friend-Referral
180K after $6K spend in first 6 months. Free night certificate every year - first certificate is awarded 8-12 weeks after approval. Terms apply.
$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.
Base: 3X (1.44%)
Travel: 7X (3.36%)
Dine: 7X (3.36%)
Brand: 14X (6.72%)
Card Info: Amex Credit Card issued by Amex. This card has no foreign transaction 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 membership year ($200 semi-annually) ✦ $200 Flight Credit ($50 per quarter for purchases directly with airlines or via Amex Travel) ✦ $100 on-property credit w/ Aspire Card package ✦ Terms Apply. See Rates & Fees
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 in the top 3 spend categories each calendar quarter through 12/31/24 (then the top 2 categories after that). 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
Base: 1X (2.1%)
Brand: 4X (8.4%)
Card Info: Visa Signature issued by Chase. This card has no foreign transaction 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.
75K points ⓘ Affiliate
75K points after $3K spend in the first 3 months. Offer ends 12/11/23.
$69 Annual Fee
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
Base: 1X (1.4%)
Travel: 2X (2.8%)
Phone: 2X (2.8%)
Brand: 2X (2.8%)
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 ✦ $10 monthly GoPuff credit (through 12/31/23)
Up to 100K points (call to apply) ⓘ Non-Affiliate
50K after $10K spend in 3 months + 50K after paying 2nd year annual fee
$0 introductory annual fee for the first year, then $550
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
Base: 1X (1.5%)
Travel: 3X (4.5%)
Phone: 2X (3%)
Office: 2X (3%)
Biz: 2X (3%)
Card Info: Visa Infinite issued by Other. This card has no foreign transaction 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
75K points ⓘ Affiliate
75K points after $3K spend in the first 3 months. Offer ends 12/11/23.
$99 Annual Fee
This card is known to be subject to Chase's 5/24 rule.
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.
Base: 1X (1.4%)
Travel: 2X (2.8%)
Brand: 3X (4.2%)
Card Info: Visa Signature or Platinum issued by Chase. This card has no 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 ✦ Earn 1,500 TQPs for each $10K 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 ✦ $10 monthly GoPuff credit (through 12/31/23)
Up to 125K Avios ⓘ Non-Affiliate
75K Avios after $5K spend in 3 months and an additional 50k Avios after $20k total spend in 12 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 signup 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
Base: 1X (1.09%)
Travel: 2X (2.18%)
Brand: 3X (3.27%)
Card Info: Visa Signature issued by Chase. This card has no foreign transaction 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.
Up to 125K Avios ⓘ Non-Affiliate
75K Avios after $5K spend in 3 months and an additional 50k Avios after $20k total spend in 12 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 signup 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
Base: 1X (1.09%)
Travel: 2X (2.18%)
Brand: 3X (3.27%)
Card Info: Visa Signature issued by Chase. This card has no foreign transaction 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 ✦ $10 monthly GoPuff credit (through 12/31/23)
Up to 125K Avios ⓘ Non-Affiliate
75K Avios after $5K spend in 3 months and an additional 50k Avios after $20k total spend in 12 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 signup 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
Base: 1X (1.09%)
Travel: 2X (2.18%)
Brand: 3X (3.27%)
Card Info: Visa Signature issued by Chase. This card has no foreign transaction 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 ✦ $10 monthly GoPuff credit (through 12/31/23)
75K after $6K spend in first 6 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.
FM Mini Review: This card usually has a great signup 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
Base: 1X (1.3%)
Travel: 2X (2.6%)
Gas: 2X (2.6%)
Phone: 2X (2.6%)
Brand: 2X (2.6%)
Card Info: Mastercard World issued by Citi. This card has no foreign transaction 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
100K points ⓘ Affiliate
Up to 100K points: 75K points after $4K spend in the first 3 months + 25K after $20K in the 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
Base: 1X (1.3%)
Dine: 3X (3.9%)
Grocery: 3X (3.9%)
Brand: 3X (3.9%)
Card Info: Mastercard World Elite issued by Chase. This card has no foreign transaction 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)
75K points ⓘ Affiliate
75K points after $3K spend in the first 3 months. Offer ends 12/11/23.
$149 Annual Fee
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.
Base: 1X (1.4%)
Travel: 2X (2.8%)
Phone: 2X (2.8%)
Brand: 3X (4.2%)
Card Info: Visa Signature or Platinum issued by Chase. This card has no 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 ✦ Earn 1,500 TQPs for each $10K in purchases
Noteworthy perks: ✦ 7,500 anniversary points each year ✦ $75 Southwest annual travel credit ✦ Four A1-15 boardings every year ✦ 20% back on in-flight drinks, Wi-Fi, messaging, and movies. 10,000 Companion Pass qualifying points each year ✦ $10 monthly GoPuff credit (through 12/31/23)
80K points ⓘ Affiliate
80K after $5K spend in first 3 months
$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.
Base: 1X (1.4%)
Travel: 3X (4.2%)
Phone: 2X (2.8%)
Biz: 2X (2.8%)
Brand: 4X (5.6%)
Card Info: Visa Signature issued by Chase. This card has no 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 ✦ Earn 1,500 TQPs for each $10K 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 monthly GoPuff credit (through 12/31/23) per year. ✦ 10,000 Companion Pass qualifying points each year.
Up to 100K points (call to apply) ⓘ Non-Affiliate
50K after $10K spend in 3 months + 50K after paying 2nd year annual fee
$0 introductory annual fee for the first year, then $495
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
Base: 1X (1.5%)
Travel: 3X (4.5%)
Gas: 2X (3%)
Grocery: 2X (3%)
Card Info: Visa Infinite issued by Other. This card has no foreign transaction 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
170K after $3K spend in 6 months. Terms apply.
$150 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 130K + free night certificate after $2K spend in 3 months [Expired 7/19/23]
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 transaction 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.
140K points ⓘ Affiliate
140K points $3K spend in 3 months
$99 Annual Fee
This card is expected to be subject to Chase's 5/24 rule (click here for details).
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
Base: 3X (1.89%)
Travel: 5X (3.15%)
Dine: 5X (3.15%)
Gas: 5X (3.15%)
Office: 5X (3.15%)
Brand: 10X (6.3%)
Card Info: Mastercard World Elite issued by Chase. This card has no foreign transaction 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) ✦ $10 monthly GoPuff credit (through 12/31/23)
140K Points ⓘ Affiliate
140K points after $3K spend in 3 months
$99 Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
Recent better offer: 175K after $3K in spend (expired 4/6/23)
Earning rate: 10X IHG ✦ 5X travel, dining, and gas stations ✦ 3X on all other purchases
Base: 3X (1.89%)
Travel: 5X (3.15%)
Dine: 5X (3.15%)
Gas: 5X (3.15%)
Brand: 10X (6.3%)
Card Info: Mastercard World Elite issued by Chase. This card has no foreign transaction 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) ✦ $10 monthly GoPuff credit (through 12/31/23)
$1200 Cash Back ⓘ Affiliate
Earn a one-time $1200 bonus when you spend $30,000 in the first 3 months of account opening. (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.
Earning rate: 2% everywhere ✦ 5% on hotels and rental cars booked via Capital One Travel
Base: 2%
Travel: 5%
Card Info: Mastercard issued by CapOne. This card has no foreign transaction fees.
Big spend bonus: Get $150 annual fee refunded every year you spend at least $150,000
Noteworthy perks: No foreign transaction fees ✦ No preset spending limit
60K miles after $3,000 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.
FM Mini Review: Excellent choice for a great signup 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
Base: 1X (1.3%)
Dine: 2X (2.6%)
Gas: 2X (2.6%)
Brand: 2X (2.6%)
Card Info: Mastercard World Elite issued by Citi. This card has no foreign transaction 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
Up to 45K points ⓘ Non-Affiliate
Up to 45K: 30K after $3K spend plus 1 extra point per dollar for non-bonused spend, up to $15K spend in 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.
FM Mini Review: Great card for signup 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
Base: 1X (2.1%)
Travel: 2X (4.2%)
Dine: 2X (4.2%)
Brand: 4X (8.4%)
Card Info: Visa Signature issued by Chase. This card has no foreign transaction 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
70K Miles + 500 PQPs ⓘ Affiliate
70K miles and 500 PQPs after $4K spend in the first 3 months
$250 Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
Earning rate: 3X United ✦ 2X restaurants including eligible delivery services ✦ 2X on all other travel ✦ 2X select streaming
Base: 1X (1.3%)
Travel: 2X (2.6%)
Dine: 2X (2.6%)
Brand: 3X (3.9%)
Other: 2X (2.6%)
Card Info: Visa Signature issued by Chase. This card has no foreign transaction fees.
Big spend bonus: Earn up to 6,000 PQPs per year: 500 PQPs per $12K spend
Noteworthy perks: Up to $125 in statement credits for United purchases each cardmember year ✦ 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 ✦ $100 Global Entry, TSA PreCheck or Nexus reimbursement ✦ 25% back on United inflight or Club Premium drink purchases ✦ $10 monthly GoPuff credit (through 12/31/23)
60K points ⓘ Affiliate
60K points after $3K spend in first 3 months
$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.
Base: 1X (1.4%)
Travel: 2X (2.8%)
Brand: 3X (4.2%)
Card Info: Visa issued by Chase. This card has no 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 ✦ Earn 1,500 TQPs for each $10K 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.
65K miles + Companion Fare ⓘ Non-Affiliate
65K miles + Companion Fare ($99 fare + taxes) after $4K spend in 3 months (enter any random 6-digit number for referral code)
$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
Base: 1X (1.3%)
Gas: 2X (2.6%)
Brand: 3X (3.9%)
Other: 2X (2.6%)
Card Info: Visa issued by BOA. This card has no foreign transaction 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
60k miles after 1st purchase & paying annual fee within 90 days
$99 Annual Fee
Earning rate: 2X AA ✦ 1X everywhere else
Base: 1X (1.3%)
Brand: 2X (2.6%)
Card Info: Mastercard World Elite issued by Barclays. This card has no foreign transaction 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
30K points + 2x coupons ⓘ Non-Affiliate
30K points after $1K spend in the first 3 billing cycles + 2 companion certificates, 2 upgrade certificates and 2 lounge passes
$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.
Earning rate: ✦ 3X Amtrak ✦ 2X qualifying travel, dining, transit, and rideshare ✦ 1X elsewhere
Base: 1X (2.56%)
Travel: 2X (5.12%)
Dine: 2X (5.12%)
Brand: 3X (7.68%)
Card Info: Mastercard World issued by Other. This card has no foreign transaction 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. Ability to transfer up to 25,000 points to hotel partners after $20K calendar year spend.
Noteworthy perks: ✦ 5% Amtrak Guest Rewards point rebate on redemptions ✦ Complimentary companion coupon ✦ One-Class Upgrade and a single-day ClubAcela pass each year. ✦ 20% rebate for onboard food & beverage purchases as a statement credit
60K miles + Companion Fare ⓘ Non-Affiliate
60k miles + Companion Fare ($99 fare + taxes) after $3K spend in 90 days
$95 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
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
Base: 1X (1.3%)
Gas: 2X (2.6%)
Brand: 3X (3.9%)
Other: 2X (2.6%)
Card Info: Visa Signature issued by BOA. This card has no foreign transaction 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
50K Points + $100 Voucher ⓘ Non-Affiliate
50K points plus $100 companion voucher after $1K spend in 90 days
$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
Base: 1X (1.2%)
Dine: 2X (2.4%)
Grocery: 2X (2.4%)
Brand: 3X (3.6%)
Card Info: Mastercard World Elite issued by BOA. This card has no foreign transaction 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
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
Base: 1X (1.33%)
Dine: 2X (2.66%)
Office: 2X (2.66%)
Brand: 6X (7.98%)
Card Info: Mastercard issued by Barclays. This card has no foreign transaction 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
60K Miles + 1 Year Silver status ⓘ Non-Affiliate
60K after $3K spend in 90 days
$99 Annual Fee
Earning rate: 3X Emirates ✦ 2X airfare, hotel, and car rentals ✦ 1X everywhere else
Base: 1X (1.3%)
Travel: 2X (2.6%)
Brand: 3X (3.9%)
Card Info: Mastercard World Elite issued by Barclays. This card has no foreign transaction 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
50k miles ⓘ Affiliate
50k after $2k spend in first 3 months. Terms and limitations apply. (Rates & Fees)
$0 introductory annual fee for the first year, then $99
Recent better offer: 75K after $2K spend in first 3 months [Expired 3/29/23]
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 restaurants ✦ 2X U.S. purchases for advertising in select media and U.S. shipping purchases (capped at $50k per year starting 1/1/24)
Base: 1X (1.3%)
Dine: 2X (2.6%)
Brand: 2X (2.6%)
Other: 2X (2.6%)
Card Info: Amex Credit Card issued by Amex. This card has no foreign transaction fees.
Big spend bonus: $100 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) ✦ Priority boarding, and first checked bag free on Delta flights. Terms and limitations apply. (Rates & Fees)
Earn 60K bonus miles after $2.5K in first 3 months
$79 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
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
Base: 1X (1.2%)
Travel: 2X (2.4%)
Brand: 3X (3.6%)
Other: 2X (2.4%)
Card Info: American Express issued by Other. This card has no foreign transaction 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
50K Miles ⓘ Affiliate
50K miles after $5K spend in first 3 months.
$0 introductory annual fee for the first year, then $99
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.
Recent better offer: Expired 11/9/22: 150K (75K after $5K spend in 3 months and another 75K after $20K total spend in six months)
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
Base: 1X (1.3%)
Dine: 2X (2.6%)
Gas: 2X (2.6%)
Office: 2X (2.6%)
Other: 2X (2.6%)
Card Info: Visa Signature issued by Chase. This card has no foreign transaction fees.
Big spend bonus: $100 annual United travel credit after 7 United flight purchases greater than $100
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 12/31/24) ✦ 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
90K Miles ⓘ Affiliate
90k miles after $5k spend in first 3 months
$525 Annual Fee
This card is available to you if you do not have any United Club card and have not received a new Cardmember bonus for any United Club card in the past 24 months.
Recent better offer: Expired 1/27/23: 100K after $5K spend
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
Base: 1X (1.3%)
Travel: 2X (2.6%)
Dine: 2X (2.6%)
Brand: 4X (5.2%)
Card Info: Visa Signature issued by Chase. This card has no foreign transaction fees.
Big spend bonus: Earn up to 8,000 PQPs per year: 500 PQPs per $12K 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 ✦ $75 in statement credits for IHG® Hotels purchases charged to your card in 2023 ✦ Up to $100 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 ✦ $10 monthly GoPuff credit (through 12/31/23)
50K miles after $1K in spend in 90 days and payment of annual fee
$99 Annual Fee
Recent better offer: Expired 9/22: 80K after $1K spend in 90 days
FM Mini Review: Frequent JetBlue travelers should seriously consider this card for its terrific perks. The combination of the 10% rebate on awards and the annual 5,000 point bonus make this card a keeper.
Earning rate: 2X restaurants and grocery ✦ 6X JetBlue ✦ 1X everywhere else
Base: 1X (1.33%)
Dine: 2X (2.66%)
Grocery: 2X (2.66%)
Brand: 6X (7.98%)
Card Info: Mastercard World Elite issued by Barclays. This card has no foreign transaction 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
50K miles + 60XP points ⓘ Non-Affiliate
50K miles after $2K in the first 90 days + 60 XP points upon approval
$89 Annual Fee
Alternate Offer: Going through the steps to make a dummy booking at the Air France website may result in an offer that also includes 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 + 100XP points [Expired 9/23]
FM Mini Review: Valuable only for the welcome offer, then it should go off to the sock drawer.
Earning rate: 3X on Air France, KLM, and SkyTeam purchases ✦ 1.5X everywhere else
Base: 1.5X (1.95%)
Brand: 3X (3.9%)
Card Info: Mastercard World Elite issued by BOA. This card has no foreign transaction 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.
40K miles ⓘ Affiliate
40K miles after $2K spend in first 6 months. Terms apply. (Rates & Fees)
$0 introductory annual fee for the first year, then $99
Recent better offer: 70K after $2K spending in first 3 months [Expired 3/30/23]
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
Base: 1X (1.3%)
Dine: 2X (2.6%)
Grocery: 2X (2.6%)
Brand: 2X (2.6%)
Card Info: Amex Credit Card issued by Amex. This card has no foreign transaction fees.
Big spend bonus: $100 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) ✦ Priority boarding and first checked bag free on Delta flights. Terms and limitations apply. (Rates & Fees)
130K Points ⓘ Affiliate
130K after $3K spend in 3 months. Terms apply.
$95 Annual Fee
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 ✦ 6X on Select Business & Travel Purchases (flights booked directly with airlines or Amex Travel; car rentals booked directly from select car rental companies; US restaurants; US gas stations; wireless telephone services purchased directly from US service provider; US shipping purchases) ✦ 3X on all other eligible purchases
Base: 3X (1.44%)
Travel: 6X (2.88%)
Dine: 6X (2.88%)
Gas: 6X (2.88%)
Phone: 6X (2.88%)
Biz: 6X (2.88%)
Brand: 12X (5.76%)
Other: 6X (2.88%)
Card Info: Amex Credit Card issued by Amex. This card has no foreign transaction fees.
Big spend bonus:
Free night award after $15K spend in calendar year and another after $60K spend

Diamond elite status with $40K calendar year spend
Noteworthy perks: ✦ Free Gold status. Diamond status w/ $40K spend. ✦ 10 free Priority Pass lounge visits per calendar year ✦ Terms Apply. (Rates & Fees)
60k miles ⓘ Affiliate
60k after $3k spend in first 3 months. Terms and limitations apply. (Rates & Fees)
$250 Annual Fee
Recent better offer: 95K after $4K in first 3 months [Expired 3-29-23]
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 purchases of $5K or more (max 50K extra miles per year)
Base: 1X (1.3%)
Travel: 3X (3.9%)
Brand: 3X (3.9%)
Other: 1.5X (1.95%)
Card Info: Amex Credit Card issued by Amex. This card has no foreign transaction fees.
Big spend bonus: Spend $25,000 in purchases on the Card in a calendar year and earn 10,000 Medallion(R) Qualification Miles (MQMs); spend a total of $50,000 in eligible purchases on the Card in a calendar year and earn an additional 10,000 MQMs (ends 1/1/24) ✦ Medallion Qualifying Dollar waiver up to Platinum status with $25K spend across one or more Delta cards or $250K spend for Diamond status (ends 1/1/24) ✦ Terms and limitations apply.
Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ✦ Domestic economy companion certificate (subject to taxes & fees) each year upon card renewal ✦ Priority boarding ✦ First checked bag free on Delta flights ✦ Terms and Limitations Apply. (Rates & Fees)
80K Points ⓘ Affiliate
80K points after $2K spend in 3 months
No 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
Base: 2X (1.26%)
Dine: 3X (1.89%)
Gas: 3X (1.89%)
Phone: 3X (1.89%)
Brand: 5X (3.15%)
Other: 3X (1.89%)
Card Info: Mastercard World issued by Chase. This card has no foreign transaction 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
60K points after $1K spend in 90 days plus 5K points for adding an authorized user
$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: 2X airfare, car rental and dining ✦ 3X Sonesta
Base: 1X (0.75%)
Travel: 2X (1.5%)
Brand: 3X (2.25%)
Card Info: Mastercard World issued by BOA. This card has no foreign transaction fees.
Big spend bonus: 30K bonus points with $7.5K cardmember year spend
Noteworthy perks: Instant upgrade to Sonesta Travel Pass Elite (free club access or continental breakfast plus other perks)
100K Points ⓘ Affiliate
100K after $2K spend in 6 months. Terms apply. (Rates & Fees)
No Annual Fee
Recent better offer: 70K + free night certificate after $2K spend in 3 months. [Expired 7/19/23]
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 spend ✦ 5X US restaurants, US Supermarkets, and US gas stations ✦ 3X on all other eligible purchases
Base: 3X (1.44%)
Dine: 5X (2.4%)
Gas: 5X (2.4%)
Grocery: 5X (2.4%)
Brand: 7X (3.36%)
Card Info: Amex Credit Card issued by Amex. This card has no foreign transaction 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 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
Base: 1X (1.3%)
Travel: 2X (2.6%)
Dine: 2X (2.6%)
Brand: 3X (3.9%)
Card Info: Visa Signature issued by USB. This card has no foreign transaction 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 ✦ $100 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
Up to 70K miles ⓘ Non-Affiliate
60K Miles after $2K spend in 90 days plus 10K miles after adding and making one purchase on an employee card, both within 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
Base: 1X (0.75%)
Dine: 2X (1.5%)
Gas: 2X (1.5%)
Office: 2X (1.5%)
Brand: 3X (2.25%)
Card Info: Mastercard World Elite issued by Barclays. This card has no foreign transaction 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 + $100 voucher` ⓘ Non-Affiliate
50K miles and $100 flight voucher after $500 spend in 90 days
$79 Annual Fee
Earning rate: 5X at FlyFrontier.com ✦ 3X restaurants
Base: 1X (0.95%)
Dine: 3X (2.85%)
Brand: 5X (4.75%)
Card Info: Mastercard World issued by Barclays. This card has no foreign transaction fees.
Big spend bonus: $100 discount voucher after $2,500 in annual spend. ✦ Elite 20K status (free bag & seat selection) w/ $20K calendar year spend ✦ Elite 50K (adds family seating & free seat selection for up to 8 companions) with $50K calendar year spend ✦ Elite 100K status (adds "theWORKS" bundle for primary cardmember & up to 8 traveling companions) with $100K calendar year spend
Noteworthy perks: ✦ Keep miles from expiring with one purchase every six months. ✦ No award redemption fee when taxes/fees are paid for with the card.
Up to $1,350
$1350 after $50K spend in 3 months (Get 3% cash back in first 3 months, plus 5% year end bonus + 30% big spend bonus = $2025. Consider $1350 of that to be signup bonus.)
No Annual Fee
Information 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% cash back on all net qualified purchases for the first 90 days, then 1%
Base: 1.05X (1.05%)
Card Type: Visa
Big spend bonus: Earn a 30% bonus on cash earned when spending $50K or more annually
Noteworthy perks: ✦ 5% anniversary bonus each year ✦ Offer restricted to residents of Alabama, Florida, Georgia, Indiana, Kentucky, Maryland, New Jersey, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, West Virginia, and DC.
70K Miles + 1 Year Gold status ⓘ Non-Affiliate
70K after $3K spend in 90 days
$499 Annual Fee
Earning rate: 3X Emirates ✦ 2X airfare, hotel, and car rentals ✦ 1X everywhere else
Base: 1X (1.3%)
Travel: 2X (2.6%)
Brand: 3X (3.9%)
Card Info: Mastercard World Elite issued by Barclays. This card has no foreign transaction 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
50K miles ⓘ Affiliate
50K miles after $3K spend in 6 months. Terms apply. (Rates & Fees)
$250 Annual Fee
Recent better offer: 85K after $4K spending in first 6 months [Expired 8/2/23]
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
Base: 1X (1.3%)
Travel: 3X (3.9%)
Dine: 2X (2.6%)
Grocery: 2X (2.6%)
Brand: 3X (3.9%)
Card Info: Amex Credit Card issued by Amex. This card has no foreign transaction fees.
Big spend bonus: Spend $25,000 in purchases on the Card in a calendar year and earn 10,000 Medallion(R) Qualification Miles (MQMs); spend a total of $50,000 in eligible purchases on the Card in a calendar year and earn an additional 10,000 MQMs (ends 1/1/24) ✦ Medallion Qualifying Dollar waiver up to Platinum status with $25K spend across one or more Delta cards or $250K spend for Diamond status (ends 1/1/24) ✦ Terms and limitations apply.
spend across one or more Delta cards (or $250K spend for Diamond status) ✦ Terms apply.
Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ✦ Domestic economy companion certificate (subject to taxes & fees) each year upon card renewal ✦ Priority boarding ✦ First checked bag free on Delta flights ✦ Terms and Limitations Apply. (Rates & Fees)
80K points after $3K spend in the first 3 billing cycles
$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
Base: 2X (1.08%)
Brand: 10X (5.4%)
Card Info: Mastercard World issued by Other. This card has no foreign transaction 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)
70k miles ⓘ Affiliate
70k after $5k spend in first 3 months. Terms apply. (Rates & Fees)
$550 Annual Fee
Recent better offer: Expired 8/2/23: 100K after spending $6K in first 3 months
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 all eligible purchases per calendar year after spending $150K
Base: 1X (1.3%)
Brand: 3X (3.9%)
Other: 1.5X (1.95%)
Card Info: Amex Credit Card issued by Amex. This card has no foreign transaction fees.
Big spend bonus: Earn 15K MQMs (towards elite status) after $30K spend up to four times per year (ends 1/1/24) ✦ Medallion Qualifying Dollar waiver up to Platinum status with $25K spend across one or more Delta cards or $250K spend for Diamond status (ends 1/1/24) ✦ After you spend $150K in a calendar year, earn 1.5X miles per dollar on eligible purchases for the rest of the year (excludes Delta purchases after you meet the $150K requirement) ✦ Terms and limitations apply.
Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ✦ Domestic 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 starting from 1/1/24 to 12/31/24 ✦ 2 Delta SkyClub one-time guest passes ✦ Centurion Lounge access when you book your Delta flight with your Reserve card ✦ Complimentary upgrades ✦ $100 Global Entry fee credit every 4 years (or 4.5 years for TSA Precheck) ✦ Priority boarding ✦ First checked bag free on Delta flights. Terms and limitations apply. (Rates & Fees)
30K points after $1K spend in first 90 days
No Annual Fee
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
Base: 1X (0.88%)
Dine: 2X (1.76%)
Gas: 5X (4.4%)
Grocery: 2X (1.76%)
Brand: 5X (4.4%)
Card Info: Visa Signature or Platinum issued by Barclays. This card has no foreign transaction 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
$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 Other. This card imposes foreign transaction fees.
Big spend bonus: Earn 10,000 Bonus Points every Anniversary with $10,000 annual spend
60K Miles ⓘ Affiliate
60K miles after $5K spend in first 6
months. Terms apply. (Rates & Fees)
$550 Annual Fee
Recent better offer: Expired 8/2/23: 85K after spending $6K in first 6 months
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
Base: 1X (1.3%)
Brand: 3X (3.9%)
Card Info: Amex Credit Card issued by Amex. This card has no foreign transaction fees.
Big spend bonus: Earn 15,000 Medallion Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card in a calendar year, up to four times per year (ends 1/1/24) ✦ Complimentary upgrades ✦  $100 Global Entry fee credit every 4 years (or 4.5 years for TSA Precheck) ✦ Medallion Qualifying Dollar waiver (up to Platinum status) with $25K (ends 1/1/24)
spend across one or more Delta cards (or $250K spend for Diamond status) ✦ Terms apply.
Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ✦ Domestic 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 starting from 1/1/24 to 12/31/24 ✦ 2 Delta SkyClub one-time guest passes ✦ Centurion Lounge access when flying Delta ✦ Complimentary upgrades ✦ One statement credit every 4 years for the $100 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. Terms and limitations apply. (Rates & Fees)
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✦
Base: 1X (1.33%)
Dine: 2X (2.66%)
Grocery: 2X (2.66%)
Brand: 3X (3.99%)
Card Info: Mastercard World issued by Barclays. This card has no foreign transaction 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 after $500 spend in 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: 2X Spirit
Base: 1X (1.2%)
Brand: 2X (2.4%)
Card Info: Mastercard World issued by BOA. This card has no foreign transaction 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
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
Base: 1X (1.11%)
Travel: 3X (3.33%)
Dine: 3X (3.33%)
Card Info: Visa Infinite issued by Other. This card has no foreign transaction 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)
No standard bonus ⓘ Friend-Referral
Earn a mystery bonus of 4x, 5x, or 10x on every dollar spent for the first 30 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: 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 Other. This card has no foreign transaction 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
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.
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 Type: Visa Signature
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 available
No Annual Fee
Earning rate: 5X gas, grocery, drugstore for 6 months
Base: 1X (1.5%)
Card Type: Visa Signature
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
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 (1.5%)
Travel: 2X (3%)
Gas: 2X (3%)
Grocery: 2X (3%)
Phone: 2X (3%)
Other: 2X (3%)
Card Type: Visa Signature
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 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 (1.5%)
Travel: 2X (3%)
Gas: 2X (3%)
Phone: 2X (3%)
Office: 2X (3%)
Other: 2X (3%)
Card Type: Visa Business
Big spend bonus: $55 credit with $24K spend per cardmember year
Noteworthy perks: $25 airline fee credit when points are redeemed for flights
15K points
15K after $1K spend in 3 months
No Annual Fee
Earning rate: 3X Expedia purchases
Base: 1X (0.71%)
Brand: 3X (2.13%)
Card Type: Mastercard World
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

$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
Base: 1X (1.3%)
Brand: 3X (3.9%)
Card Type: Mastercard World Elite
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 Type: Mastercard World
Big spend bonus: ✦ 5K bonus miles when you spend $10K annually and pay your annual fee
Noteworthy perks: Zone 2 priority boarding
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
Base: 1X (1.3%)
Travel: 2X (2.6%)
Phone: 2X (2.6%)
Office: 2X (2.6%)
Card Type: Mastercard
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
Nonee
Card is currently not available to new applicants.
$90 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: 3X Virgin Atlantic ✦ 1.5X everywhere else
Base: 1.5X (1.95%)
Brand: 3X (3.9%)
Card Info: Mastercard World Elite issued by BOA. This card has no foreign transaction 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).
25K points
25K after $2K spend in 3 months
$95 Annual Fee
Earning rate: 4X Expedia purchases ✦ 2x restaurants & entertainment
Base: 1X (0.71%)
Dine: 2X (1.42%)
Brand: 4X (2.84%)
Other: 2X (1.42%)
Card Type: Mastercard World
Big spend bonus: 5K anniversary bonus with $10K annual spend
Noteworthy perks: ✦ $100 annual air travel fee credit ✦ Expedia+ Gold status
None
This card has been discontinued.
$149 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: Avianca LifeMiles are useful for Star Alliance awards. Miles are valuable for short distance United Airlines flights and for international flights on partners that usually charge high fuel surcharges (such as Lufthansa).
Earning rate: ✦ 3X Avianca ✦ 2X gas & grocery ✦ Free bag for travel between US & South America
Base: 1X (1.3%)
Gas: 2X (2.6%)
Grocery: 2X (2.6%)
Brand: 3X (3.9%)
Card Type: Visa Platinum or Signature
Big spend bonus: ✦ 50% off one award ticket to Colombia or Central America after $12K spend ✦ 50% off a 2nd award ticket to Colombia or Central America after $24K spend
Noteworthy perks: 15% discount on the purchase of miles
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 Type: Mastercard World Elite
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).
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